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Speaker 1: Hey, hey, bea fam mandra here. I just first want

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Speaker 1: to say thank you so much. We have been overwhelmed

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Speaker 1: by so many beautiful messages of support and condolences for

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Speaker 1: Tiffany and the entire Alice and Smith family. Just in

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Speaker 1: case you haven't heard, it's really difficult to even share this.

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Speaker 1: I think it's the first time that I've said it

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Speaker 1: out loud to you guys versus just a social media post.

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Speaker 1: But last month, very suddenly and unexpectedly, Tiffany lost her husband, Jerelle,

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Speaker 1: who you guys know better as Superman Jorelle. I can't

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Speaker 1: even put into words how special a human this man was.

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Speaker 1: If you've listened to our show for a while, it

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Speaker 1: wouldn't take you long to realize just how special Tiffany

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Speaker 1: and Jerell's relationship was. He will always be her Superman.

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Speaker 1: He will always be an amazing father to his daughter,

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Speaker 1: Supergirl aka Alissa. Thank y'all for your patience as we

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Speaker 1: give Tiffany time to hear through this really difficult time,

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Speaker 1: especially around the holidays. If you would like to send

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Speaker 1: your support to Tiffany and her family, the best way

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Speaker 1: to do that is to keep Jarrell's memory alive. And

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Speaker 1: you can do that by making a donation whatever you

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Speaker 1: can to one of two charities that were going to

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Speaker 1: link in our show notes. That is United Way of

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Speaker 1: Greater Newark and the Apostles House of Newark. Thank you

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Speaker 1: again for all of your support. If you're unable to

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Speaker 1: make a donation, that's totally fine. What we've asked everyone

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Speaker 1: to do is just honestly check in on a neighbor,

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Speaker 1: check in with your family, check in with a friend.

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Speaker 1: Small acts of kindness were what Jarrell was all about.

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Speaker 1: He was the kind of person who would call up

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Speaker 1: friends and family in the morning every day to check in,

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Speaker 1: drop in to fix someone's broken appliance just because he

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Speaker 1: had a few extra minutes. He was a truly special,

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Speaker 1: kind human being and he loved life, love loved his community.

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Speaker 1: So if you want to keep Jarell's memory alive again,

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Speaker 1: any small act of kindness in your community or with

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Speaker 1: your loved ones is a wonderful way to do that.

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Speaker 1: I really hope that we will be back soon. In

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Speaker 1: the meantime, I hope you enjoy this throwback episode today's show,

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Speaker 1: just to bring it back. Bring it back, Mandy, I'm

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Speaker 1: shaking shrugging my shoulders back. Y'all, I'm really excited to

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Speaker 1: share today's episode with you. This is one of our

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Speaker 1: one of my favorite guests of twenty twenty one, the

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Speaker 1: one and only Berna A. Natt. She's a finfluencer, yes,

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Speaker 1: that's the thing, and Berna has made a career out

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Speaker 1: of making financial literacy fun, accessible and approachable for more

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Speaker 1: young people. Everywhere, Berna breaks down everything from paying off

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Speaker 1: debt to enjoying your income. She is the financial hype

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Speaker 1: woman that we all need in our lives. And if

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Speaker 1: you haven't checked out her new podcast, Money Please with Betches,

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Speaker 1: you have got to check it out. Go to betches

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Speaker 1: dot com or download Money Please. Wherever you find podcasts

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Speaker 1: like Brown Ambition. Without further ado, here is a throwback

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Speaker 1: episode with our beloved co host Berna Annette.

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Speaker 2: Hey Hey, Hey, ba fam Please follow us on Apple

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Speaker 2: Podcasts and keep our audience growing. If your iPhone recently

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Speaker 2: updated to iOS fourteen point five, head to Apple Podcasts,

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Speaker 2: search for Brown Ambition and click on the plus button

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Speaker 2: in the upper right hand corner. Do that and you'll

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Speaker 2: be following our show Loop Woop. You can also follow

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Speaker 2: us on Spotify on Stitcher or on the Amazon Music app.

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Speaker 2: You wouldn't have to do all that them, you know,

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Speaker 2: if you had to Android, But you know Apple, that's fine.

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Speaker 2: It's fine. And now onto our show.

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Speaker 1: Heyba fam Mandy. Here we continue this week with our

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Speaker 1: summer co host series. And I have to tell you, guys,

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Speaker 1: I have had the biggest social media crush on this

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Speaker 1: woman ever since I discovered her page and ig earlier

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Speaker 1: this year. And they say, don't ever meet your sheroes

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Speaker 1: because you may be disappointed. But this was such a

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Speaker 1: delightful conversation. You guys are going to laugh, you are

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Speaker 1: going to be inspired, and you are going to go

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Speaker 1: follow at hey Berna on all social media channels because

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Speaker 1: you are going to love her, I hope as much

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Speaker 1: as I do. So let me get to the point

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Speaker 1: here and introduce today's guest co host. Her name is

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Speaker 1: Berna Annette. Berna is an award winning financial hype woman.

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Speaker 1: Yes that is a title, let's manifest it, which is

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Speaker 1: basically her made up way of saying that she creates

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Speaker 1: financial education media that lives at at hey Berna all

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Speaker 1: over the Internet. After Berna slaid her fifty thousand dollars

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Speaker 1: of debt, she saved up to quit life and has

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Speaker 1: been traveling the world trying to make money fun again

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Speaker 1: ever since. Berna is actually joining us today despite the

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Speaker 1: fact that she is in what she calls a book

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Speaker 1: writing cave. Yeah, she is working on her very first book,

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Speaker 1: fourteens and young adults about slaying their own personal finance challenges.

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Speaker 1: I am thrilled, So let me get out of the

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Speaker 1: way of myself and get to this interview. Here is

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Speaker 1: your co host for the week, Berna Annatt. Hey Berna, Hi, Mandy.

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Speaker 3: This is so wild, Like I feel the same. I mean,

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Speaker 3: Brown Ambition was my first favorite financial podcast. It still is.

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Speaker 3: It's still the one that I recommend to people, and

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Speaker 3: people are like, what's your most You're fit. I'm like,

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Speaker 3: everyone's just stopped talking. It's brand Ambision and that's the

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Speaker 3: end of the sentence. And so it's so wild that like,

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Speaker 3: eventually in a couple days, I'll be hearing my voice.

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Speaker 3: You just said my voice. That's so wild. I'm so

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Speaker 3: so honored to be here.

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Speaker 1: Well, hey Berna, so Berna, you describe yourself as a

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Speaker 1: financial hype woman, which I'm so jealous of because that

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Speaker 1: has got to be the best title in the history

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Speaker 1: of personal influencers. What do you mean when you say

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Speaker 1: you're a hype woman? What does that mean?

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Speaker 3: Oh my gosh, that's completely made up, first of all,

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Speaker 3: and so that should be just inspiration to anyone of

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Speaker 3: any age that you can totally make up your job

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Speaker 3: and just kind of if you bring it and fake

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Speaker 3: it till you make it eventually cool, people will ask

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Speaker 3: you to be on their podcast and they'll they'll say

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Speaker 3: the words even if you just made it up, and

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Speaker 3: I'll I it's a career, and suddenly it's a career.

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Speaker 3: Very difficult to explain to my immigrant parents what that is,

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Speaker 3: so they just think I work in money and communications.

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Speaker 3: But financial hype woman is something I made up a

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Speaker 3: few years ago because hype is one of the things

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Speaker 3: I thought was missing from the financial world. So that's

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Speaker 3: one reason I was like, I want more. I want

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Speaker 3: there to be more joy, more hype, And by hype

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Speaker 3: I mean energy, happiness, excitement, especially like there are no

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Speaker 3: trumpets or foghorns that play when you do exciting financial things.

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Speaker 3: A lot of these things that we do in our

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Speaker 3: financial lives typically happen in like a dark, sad corner

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Speaker 3: of the Internet or like us hunched over our phones,

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Speaker 3: and so I wanted to bring hype energy, excitement so

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Speaker 3: you feel encouraged to do things. And if you think

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Speaker 3: about a hype woman on stage, typically a hype person

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Speaker 3: on stage, they are behind the main performer or rapper

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Speaker 3: or singer, and they're just like they're the person that's

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Speaker 3: just bringing the energy while the artistic person's doing the art.

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Speaker 3: And that's how I want people to envision me in

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Speaker 3: their financial lives. Like you're the one in the front

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Speaker 3: seat of your financial life. You're doing the earning and

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Speaker 3: the paying and the bill paying and the goals. And

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Speaker 3: I just want people to imagine me in the back

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Speaker 3: like feel just like repeating things and dancing behind you

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Speaker 3: in the back, like I'm keeping your energy yep. Like

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Speaker 3: my purpose is to keep your energy up. And that's

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Speaker 3: what I want to bring to the money world.

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Speaker 1: I don't know how you have the stamina to do

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Speaker 1: what you do on Instagram. If you guys don't follow Berna,

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Speaker 1: you have to go to at Hey Berna on IG.

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Speaker 1: I mean your comedic, your physical comedy is something truly

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Speaker 1: special and the time, cause I know it's not always

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Speaker 1: easy to you can be funny, but you tell stories

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Speaker 1: with your humor, and you have a whole there's like

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Speaker 1: a beginning, middle, and end to your Instagram content. And

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Speaker 1: I know how much time and energy and thought must

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Speaker 1: go into it. It is quite effective.

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Speaker 3: Thank you, thank you so much. I found out that

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Speaker 3: people really like it when I shake, I shake something

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Speaker 3: for their financial wins. Do a little bit of chirking

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Speaker 3: with what I got, which is not a ton, but

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Speaker 3: I think people appreciate the effort. I know all of

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Speaker 3: you and all of my other Internet creators out there

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Speaker 3: understand that, like you have to sort of try out

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Speaker 3: a bunch of different things and a bunch of different

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Speaker 3: approaches to find what hits with your audience. And people

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Speaker 3: love it when I make up dance move to their

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Speaker 3: financial wins. And so that's probably the most entertaining thing

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Speaker 3: you'll see on their aside from other like storytelling and

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Speaker 3: videos and things like that. I like to move. I

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Speaker 3: like to bring the bodily energy into it.

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Speaker 1: I'm getting older now, I'm just wondering how you I

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Speaker 1: ever like thrown it back out a back like you

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Speaker 1: have more than one thrown anything out twisted something.

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Speaker 3: I'm approaching that for sure, I will especially on weeks

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Speaker 3: where I'm like, I haven't worked out for a long time, which,

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Speaker 3: mind you, is most weeks. I'll do like my Friday

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Speaker 3: financial wins, and all week and long, I'm like, I

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Speaker 3: am so sore my thighs, my legs, my knees, like

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Speaker 3: I try to do the mega Stallion knee kind of tricks,

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Speaker 3: and what you see on camera, I look like I

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Speaker 3: know what I'm doing, but no that immediately after that

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Speaker 3: fifteen seconds cuts out, I'm on the floor. It's all

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Speaker 3: for It's all for you. You know, it's all for the.

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Speaker 1: The audience, don't don't. I mean, leg Day is very important.

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Speaker 1: Megan the Stallions an athlete. Don't tell me nothing any differently, Okay,

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Speaker 1: athlete truly truly, And we have been obsessed with her

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Speaker 1: latest song, what's it called thought Something? My son loves. Wow,

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Speaker 1: my son goes to dance when that song came on YouTube.

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Speaker 1: I mean, I don't know how appropriate it was for

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Speaker 1: He wasn't paying attention to the pictures, but he and

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Speaker 1: I got down. He loves to tour. He's such a

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Speaker 1: cute little show off.

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Speaker 3: Good. It's like she's legg Day inspo and she's a

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Speaker 3: full body inso for anybody, But I think everyone is

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Speaker 3: now paying so much more attention to what their knees

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Speaker 3: and thighs can do and admiring their bodies for doing

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Speaker 3: those things because of Megan thee Stallion, Like she just

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Speaker 3: revolutionized the way I look at my knees for sure.

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Speaker 1: Yeah, I mean as someone who grew up. I mean,

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Speaker 1: I'm biracial. My mom is white and I've told her

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Speaker 1: this before. She knows and she might actually be listening

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Speaker 1: to the podcast, So yay, mom, I'm talking about you again.

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Speaker 1: But there were times when I was younger where she

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Speaker 1: would say, like, do you really want to work out?

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Speaker 1: Your thighs are already? You know you've got the thighs

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Speaker 1: and you know you don't want them to get bigger.

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Speaker 1: Do you meet? But that's the beauty standard, right. I'm

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Speaker 1: not trying to make this episode about body image, but

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Speaker 1: shout out to shout out to anyone trying to break

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Speaker 1: norms and make us thick. Girls, you know, just feel

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Speaker 1: like we don't have to change a damn thing, you

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Speaker 1: know what I mean?

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Speaker 3: Absolutely, not only do you not have to change it,

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Speaker 3: but you can embrace it and shake it and show

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Speaker 3: off what it is. Capable of and that's something that

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Speaker 3: people can look at and be like, wait, mine can

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Speaker 3: do that too, We can do that, we can go

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Speaker 3: outside and do that. Absolutely, it just like turned it,

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Speaker 3: It turned it all on. I mean, what I love

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Speaker 3: to see is like Meg thee Stallion and every other

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Speaker 3: performer out there being like, look what my knees on

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Speaker 3: my butt can do, and people just like bowing down

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Speaker 3: to her in the comments of being like not only

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Speaker 3: incredible lyricsist, rapper performer, but like she has to be

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Speaker 3: putting extra work behind her thighs and her legs, and

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Speaker 3: then we're so much more appreciative of the muscle of

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Speaker 3: the curve of everything that's there because I'm like, if

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Speaker 3: I have more, I can shake more and mixes. It's

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Speaker 3: a good thing.

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Speaker 1: So and it's the work behind it. And I think

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Speaker 1: what attracts me to your work so much and what

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Speaker 1: I try to what I try to think about in

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Speaker 1: my own content or my own you know, just being

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Speaker 1: myself on social media is I just love people who

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Speaker 1: are not afraid to be silly, not afraid to put

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Speaker 1: themselves out there, not afraid to not take themselves so seriously,

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Speaker 1: but who still do the work and I do feel like,

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Speaker 1: especially in the personal finance where all there in you know,

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Speaker 1: corporate America, when you talk about finance, it's often a

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Speaker 1: you feel like you need to put on a different

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Speaker 1: hat or use a different voice or like code switch

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Speaker 1: to have those conversations. But I think what's so amazing

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Speaker 1: about what you do is by being so approachable, by

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Speaker 1: being so lovable and so freaking entertaining, You're immediately showing

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Speaker 1: people this doesn't have to be all serious and doom

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Speaker 1: and gloom like it can be hilarious. We can laugh

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Speaker 1: at it, we can say the things, we can talk

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Speaker 1: about our debt, and then we can twork about it

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Speaker 1: and we can do the work at the end of

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Speaker 1: the day.

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Speaker 3: Yes, absolutely, for people like me who I'm by that,

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Speaker 3: I mean people who are basically like fifteen to seventeen

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Speaker 3: years old on the inside and always will be. It

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Speaker 3: has to be hilarious, it has to be funny, or

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Speaker 3: else it just it won't go down the same way.

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Speaker 3: You know, we know all the books and the podcasts

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Speaker 3: and the blogs that spell it out and have all

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Speaker 3: the information, but I found myself needing to translate those

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Speaker 3: things for myself, Like when I was learning how to

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Speaker 3: get out of debt, and reading the books and all

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Speaker 3: the things, I found myself literally going, Okay, what they

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Speaker 3: mean by that sentence is if you just like put

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Speaker 3: your booty on the thing and your role around is

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Speaker 3: like when you're on the dance floor, like translating it

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Speaker 3: into everyday stupid thing so that I could understand it.

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Speaker 3: And then I realized I can't be the only one

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Speaker 3: whose brain works like this. If I start sharing it,

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Speaker 3: maybe people are into it. And I found that there's

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Speaker 3: there's a space for that. There's a space for the

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Speaker 3: serious stuff, but there's also a space for us in

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Speaker 3: our children who like need to play with money in

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Speaker 3: order to really connect with it.

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Speaker 1: Yeah, well, talk to me about your background financially. I mean,

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Speaker 1: I know you had some credit card debt, some student

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Speaker 1: loan debt, not unlike most millennials. I'm assuming you're a millennial.

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Speaker 1: Maybe you're as allennial. I don't know.

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Speaker 3: I'm not thinking I'm like borderline millennial, as allennial. Someone

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Speaker 3: called me jeriatric the other day. I was like, you know,

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Speaker 3: whatever it is, I can still rock.

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Speaker 1: I think I'm actually a geriatric millennial, which, you know whatever,

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Speaker 1: I'll take it, but talk to me about your journey.

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Speaker 1: When did it start for you? You were at Instagram before.

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Speaker 1: You've been producing and doing entertainment media for a while, right,

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Speaker 1: So everyone's got that moment when they say, I want

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Speaker 1: to make this my life's work to talk about money

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Speaker 1: and educate people. What was that like for you?

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Speaker 3: Yes, Oh, my gosh. So I've been in kind of

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Speaker 3: media my entire life. I grew up wanting to be

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Speaker 3: a writer. I wanted to be the editor in chief

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Speaker 3: of a magazine, and I like moved, you know, graduated

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Speaker 3: from a journalism school, and I moved to New York

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Speaker 3: and I internet a magazine. Hated it, hated it with

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Speaker 3: a capital age. Still, though, you know, you find yourself postgraduation,

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Speaker 3: especially in journalism and media. You're young, you're doing internships,

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Speaker 3: broke as heck, and I found myself a couple of

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Speaker 3: years of being freelance after leaving magazines, twelve thousand dollars

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Speaker 3: in credit card debt and thirty eight thousand dollars about

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Speaker 3: forty thousand dollars in student loan debt. And I had

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Speaker 3: sort of always written off the excuse that, like, you know,

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Speaker 3: I'm freelance, I'm in journalism, I'm broke.

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Speaker 4: I'm young. I don't have to get my stuff together.

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Speaker 3: What was really behind that was like a lot of fear,

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Speaker 3: a lot of shame, never wanting to admit how much

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Speaker 3: debt I had, and never wanting to look my debt

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Speaker 3: in the eye. And basically, you know, I did end

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Speaker 3: up getting a job at Instagram, moving back to the

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Speaker 3: Bay Area where I'm from, and that was maybe a

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Speaker 3: half step where I was like, Okay, okay, I'm starting

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Speaker 3: to get money every other Friday, which is like what

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Speaker 3: I think, It's an adult thing to do. And now

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Speaker 3: this feels like God being like you no longer have

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Speaker 3: no excuse to budget. I'm giving you money every other Friday.

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Speaker 3: Do the thing I think. Hey, did I hit the Googles?

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Speaker 3: Because you know, growing up again, first gen immigrant child

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Speaker 3: of immigrants from the Philippines, they taught me very little

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Speaker 3: about money. Taught me lots about like our culture and everything,

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Speaker 3: but very little about money. And so everything I learned

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Speaker 3: about money, I had to hit the Googles, just like

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Speaker 3: millennials do when we don't know something, We hit the

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Speaker 3: Googles as hard as possible. And I was learning stuff

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Speaker 3: through blogs and YouTube channels and books and I started

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Speaker 3: to create this thing that I called Felicia's Wallet. Now,

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Speaker 3: at the time, by Felicia was at its peak, peak

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Speaker 3: fit cultural phenomenon. Everyone was like by Felicia, by Filicia.

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Speaker 3: And someone said something about, like, I'd love to see

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Speaker 3: Felicia's passport because she's always saying by, like we're always

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Speaker 3: saying bye to her. She must be going all over

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Speaker 3: the place. And I was like, I'd like to see

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Speaker 3: her wallet. How is she affording to say by all

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Speaker 3: the time? So I started this like blank Google document

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Speaker 3: where I put down everything I was learning about budgeting,

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Speaker 3: everything I was learning about how to balance and figure

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Speaker 3: out my paycheck, all of my financial moves every other

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Speaker 3: Friday when I got my paycheck. I called that document

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Speaker 3: Felicia's Wallet. I didn't show it to anybody for a

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Speaker 3: long time, and then eventually I was like, let's just

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Speaker 3: if I just kind of talk about it on my

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Speaker 3: social media, which had no kind of following for anything,

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Speaker 3: Let's just see what happens. I posted about the document.

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Speaker 3: I remember it's like a boomerang of me scrolling through it.

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Speaker 3: And the response to that was huge, and it wasn't

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Speaker 3: just from my friends and family being like whoa budgeting

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Speaker 3: money you're talking about out loud and like you haven't exploded,

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Speaker 3: that's crazy, Like you broke the taboo, against the rules.

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Speaker 3: But it was also such a huge response from so

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Speaker 3: many people that that I didn't know, and especially so

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Speaker 3: many women of color up in my comments and like

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Speaker 3: most notably whispering in my dms, like you're a stranger,

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Speaker 3: but you're the first person I've ever seen who is

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Speaker 3: a woman and a woman of color to talk about

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Speaker 3: your personal money life, admit that you have dead out loud,

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Speaker 3: say that you've been messing up for many months. But

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Speaker 3: here's that you're what you're learning. You're the first person

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Speaker 3: in my life to actually talk about this, and it's

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Speaker 3: it's changing my perspective. And that's when I was like,

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Speaker 3: we got some something. There's something a little old me

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Speaker 3: knowing nothing but no financial background yells from my corner

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Speaker 3: of the internet, and the response was such an echo.

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Speaker 3: That's when I was like, Okay, we got we gotta

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Speaker 3: take this.

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Speaker 1: Somewhere, We gotta take it somewhere. How do you go

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Speaker 1: from that to now you're writing a personal finance book?

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Speaker 1: What happened in between? And also, congratulations, This is when

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Speaker 1: I dropped that little nugget you you're going to be

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Speaker 1: a published author.

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Speaker 3: Much so wild because this was the beginning, Like, this

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Speaker 3: is what I wanted to be when I was super little,

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Speaker 3: a writer, an author, and it's been a very long,

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Speaker 3: windy road to get here. But basically, once I started

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Speaker 3: sharing about Felicia's wallet, but I got the response from people,

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Speaker 3: then I was like, Okay, all right, this is a thing.

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Speaker 3: I started making videos, started making content, discovered something called Instagram,

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Speaker 3: honestly discovered like Instagram boomerang, started shaking my butt for people,

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Speaker 3: and we just started to build more and more of

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Speaker 3: a community online of people who wanted to talk about money,

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Speaker 3: wanted to talk about the absolute basics of money, but

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Speaker 3: didn't want it to be what I like to say,

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Speaker 3: Hella Mail, hell Apale, and Hella Stale. So much of

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Speaker 3: what you see out there is Hella Mail, Hella Pale,

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Speaker 3: Hella Stale. And so I just sort of built this

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Speaker 3: gathering on people who were sick of that. And the

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Speaker 3: book came about last year when I partnered up with

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Speaker 3: an agent. Her name is Tavia from Biota. She's incredible

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Speaker 3: other women of color who champions all people of color,

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Speaker 3: artists I wanted to. I brought her on to sort

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Speaker 3: of level up and help me manage like brand partnerships

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Speaker 3: and things like that. And she's the one that was like, hey,

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Speaker 3: this publishing house wants to do a money book for

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Speaker 3: young people. You're basically a teenager walking around with paychecks.

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Speaker 3: You do the thing, and that's that's where we are.

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Speaker 3: And oh my god, Mandy, my first draft is due

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Speaker 3: in like a month, almost a month exactly, so I'm

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Speaker 3: losing my issue a little.

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Speaker 1: Been supposed to be here right now, right like, I'm not.

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Speaker 4: Even are you talking to me? I feel good you're Mandy?

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Speaker 4: Are you kidding?

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Speaker 3: This is brown ambition. I was just telling you right

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Speaker 3: before we started recording that I'm in. I put myself

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Speaker 3: in this thing called book Leave quote unquotes. I've been

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Speaker 3: this like book cave. I wanted to focus on writing

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Speaker 3: my book and make my book writing process really fun,

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Speaker 3: really enjoyable, like lean on my savings and actually give

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Speaker 3: myself the time to make the process really fun. And

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Speaker 3: I promised myself I would not come out of book

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Speaker 3: Leave unless it was like showstopper, incredible opportunity. And I

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Speaker 3: remember you emailed me, I want to say, like a

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Speaker 3: couple of months ago and I brought this. I have

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Speaker 3: a business coach. I brought this to my business coach

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00:19:49,600 --> 00:19:51,480
Speaker 3: and I was like, sick, this is what I want

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Speaker 3: to come out of bookly for. She's like, okay, I

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Speaker 3: give my blessing.

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Speaker 1: Yeah wow where business coach approved. Well, I hope this

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Speaker 1: is well. I'm sold to have you here. But I'm

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Speaker 1: also so, you know, Tiffany just had a really successful

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Speaker 1: book launch. And I told her. I was like, this

408
00:20:06,200 --> 00:20:08,920
Speaker 1: is you know, obviously she was wildly successful, but I said,

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Speaker 1: the reason why I feel so excited about Tiffany's success

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Speaker 1: is that I know others will benefit from her success.

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Speaker 1: You know, it'll make publishers look at women of color

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Speaker 1: as really like money makers, you know, like a good

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Speaker 1: business decision. And ultimately that has been often the excuse

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Speaker 1: in this, you know, in the business world, is like, oh,

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Speaker 1: do women sell? Do women of color sell? Should we

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Speaker 1: put you on the cover? Will people be turned off

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Speaker 1: when they see it's by a woman? I mean, anyway,

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Speaker 1: there's a whole history of like women changing their names,

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Speaker 1: writing under pen names, so they'd be taken seriously. And

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Speaker 1: I am so excited. I wish you nothing but the

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Speaker 1: most success. I want to know. So you said for

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Speaker 1: young people, So what is the target audience for this

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Speaker 1: book that you're writing, because I don't think we'd there

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Speaker 1: hasn't really been a lot of books for like teens

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Speaker 1: from someone who you know, I know, you're not technical.

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Speaker 1: You know, you say you're fifty ten years on the inside,

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00:21:01,000 --> 00:21:03,760
Speaker 1: but you know we're we're a little mature now. But yeah,

428
00:21:03,760 --> 00:21:05,200
Speaker 1: well yeah that's the target audience.

429
00:21:06,320 --> 00:21:08,600
Speaker 3: It's so funny because the target audience technically this is

430
00:21:08,640 --> 00:21:12,080
Speaker 3: a HarperCollins young adult book, and the official on paper

431
00:21:12,119 --> 00:21:15,840
Speaker 3: target audience is like sixteen to twenty five. Okay, but

432
00:21:16,600 --> 00:21:19,560
Speaker 3: I know, like my content from the beginning had I

433
00:21:19,960 --> 00:21:22,480
Speaker 3: meant to always be talking to teens about money. The

434
00:21:22,560 --> 00:21:24,760
Speaker 3: thing though about talking about money, especially when you talk

435
00:21:24,800 --> 00:21:28,440
Speaker 3: in like a relatable voice, is you unlock the fact

436
00:21:28,440 --> 00:21:31,080
Speaker 3: that most of us, especially in the US, especially if

437
00:21:31,080 --> 00:21:35,880
Speaker 3: you're coming from an immigrant family, we are fifteen when

438
00:21:35,920 --> 00:21:39,600
Speaker 3: it comes to our financial education, Like we are all

439
00:21:39,720 --> 00:21:42,200
Speaker 3: children when it comes to our financial education, because most

440
00:21:42,200 --> 00:21:45,080
Speaker 3: of us didn't receive any type of financial education, and

441
00:21:45,119 --> 00:21:47,640
Speaker 3: you know, we grow up into these like adult skin bags,

442
00:21:48,160 --> 00:21:53,280
Speaker 3: but there is no financial education update download along the way,

443
00:21:53,600 --> 00:21:56,320
Speaker 3: and so all my content was supposed to be for

444
00:21:56,359 --> 00:21:58,880
Speaker 3: young people, but I got this huge millennial audience too

445
00:21:58,880 --> 00:22:03,320
Speaker 3: and older because we've all been failed and so it's

446
00:22:03,359 --> 00:22:06,080
Speaker 3: actually a tricky thing to be writing right now with

447
00:22:06,200 --> 00:22:09,240
Speaker 3: the intention of focusing on sixteen to twenty five year olds.

448
00:22:09,480 --> 00:22:11,760
Speaker 3: But all the feedback I'm getting from my editor, from

449
00:22:11,800 --> 00:22:14,800
Speaker 3: my editor's editor, from copy editors, from the publishers, They're like,

450
00:22:15,000 --> 00:22:17,320
Speaker 3: so this is a book that I would buy for myself,

451
00:22:17,560 --> 00:22:20,280
Speaker 3: this is something that I need, this is something that

452
00:22:20,320 --> 00:22:23,240
Speaker 3: all my friends need. It's officially for sixteen to twenty

453
00:22:23,280 --> 00:22:26,560
Speaker 3: five year olds, but I know that the lessons reverberate

454
00:22:26,960 --> 00:22:28,560
Speaker 3: throughout all all that.

455
00:22:28,720 --> 00:22:30,840
Speaker 1: I mean, just throw a vampire or werewolf in there,

456
00:22:30,880 --> 00:22:33,320
Speaker 1: and then there you go, right exactly.

457
00:22:33,320 --> 00:22:36,280
Speaker 3: I'm like, I got to sprinkle different pop cultural references

458
00:22:36,320 --> 00:22:37,840
Speaker 3: throughout so nobody feels left out.

459
00:22:37,680 --> 00:22:39,520
Speaker 1: But our vampires, I think anymore, I don't know what

460
00:22:39,560 --> 00:22:40,440
Speaker 1: would it be now.

461
00:22:41,119 --> 00:22:43,760
Speaker 3: That's more of a like that's like a definitely millennial,

462
00:22:43,920 --> 00:22:46,320
Speaker 3: like when we felt the Twilight five do the whole.

463
00:22:46,119 --> 00:22:49,560
Speaker 1: Thing on TikTok, just like release chapters and sixty second

464
00:22:49,640 --> 00:22:52,760
Speaker 1: incorments with the Busset song in the background.

465
00:22:53,240 --> 00:22:56,200
Speaker 3: That's what's interesting too, is knowing that we're like reaching

466
00:22:56,240 --> 00:22:59,360
Speaker 3: out to a younger audience and it's not like we

467
00:22:59,400 --> 00:23:01,879
Speaker 3: all like is not like a bunch of readers. No

468
00:23:01,920 --> 00:23:05,240
Speaker 3: one's like pretending that gen Z is obsessed with the books.

469
00:23:05,760 --> 00:23:08,840
Speaker 3: So I have to figure out a way to make

470
00:23:08,920 --> 00:23:11,600
Speaker 3: it interesting enough for young audiences to pick up and

471
00:23:11,640 --> 00:23:15,080
Speaker 3: actually be into it, and also for parents to go like, Okay,

472
00:23:15,119 --> 00:23:16,959
Speaker 3: she's not going to teach my kids some like crazy

473
00:23:17,040 --> 00:23:20,119
Speaker 3: shes and but still also something that I wanted to

474
00:23:20,119 --> 00:23:21,560
Speaker 3: read when I was young. I didn't want it to

475
00:23:21,560 --> 00:23:23,680
Speaker 3: be all words. I don't want it to be all graphics.

476
00:23:23,720 --> 00:23:25,840
Speaker 3: I want there to be silly stuff in it and

477
00:23:25,920 --> 00:23:28,239
Speaker 3: fun stuff and challenges and things that get me out

478
00:23:28,280 --> 00:23:28,680
Speaker 3: of the book.

479
00:23:28,760 --> 00:23:30,880
Speaker 1: So, well, you're gorgeous face to be on the cover,

480
00:23:30,960 --> 00:23:31,760
Speaker 1: That's what I wouldn't know.

481
00:23:32,640 --> 00:23:33,320
Speaker 4: I don't know.

482
00:23:33,560 --> 00:23:34,960
Speaker 3: I don't know if I'm cool enough. I don't know

483
00:23:35,000 --> 00:23:36,680
Speaker 3: if I'm cool enough like Tiffany to put my face

484
00:23:36,720 --> 00:23:38,800
Speaker 3: on the cover, because in talking to other author friends,

485
00:23:39,119 --> 00:23:42,280
Speaker 3: they're like, you basically have to be like Obama level

486
00:23:42,440 --> 00:23:43,840
Speaker 3: to be able to be cool enough to put the

487
00:23:43,840 --> 00:23:45,760
Speaker 3: book your face on the cover. Otherwise people are gonna

488
00:23:45,720 --> 00:23:49,399
Speaker 3: look at me and be like, what, what's random? Ambiguously

489
00:23:49,560 --> 00:23:51,960
Speaker 3: race brown girl, like what so we'll see.

490
00:23:52,119 --> 00:23:54,879
Speaker 1: I mean Tiffany talks about that, that moment when she

491
00:23:55,119 --> 00:23:57,080
Speaker 1: was like not sure about putting herself on the cover.

492
00:23:57,760 --> 00:23:59,639
Speaker 1: I feel like, I mean, it's the same thing as

493
00:23:59,640 --> 00:24:01,800
Speaker 1: when you who wrote about Felicia's wallet, which I don't

494
00:24:01,840 --> 00:24:03,080
Speaker 1: know how I didn't know that. I guess I haven't

495
00:24:03,080 --> 00:24:05,919
Speaker 1: gone that back into the archives. It's into the vault

496
00:24:05,920 --> 00:24:08,879
Speaker 1: of Berna content. There's a lot out there. Yeah, and

497
00:24:09,359 --> 00:24:11,800
Speaker 1: she eventually decided to go for it, And I feel

498
00:24:11,840 --> 00:24:17,200
Speaker 1: like her gorgeous, brown, melanated self on that cover honestly

499
00:24:17,240 --> 00:24:20,760
Speaker 1: probably sells books because the same thing that would have

500
00:24:20,760 --> 00:24:22,880
Speaker 1: held a book back I think ten twenty years ago

501
00:24:23,440 --> 00:24:26,880
Speaker 1: is now people are looking for it. Why people are

502
00:24:26,920 --> 00:24:30,320
Speaker 1: looking for it, They want to like I'm saying, I mean,

503
00:24:30,480 --> 00:24:32,359
Speaker 1: I'm not saying this is your target audience, but they

504
00:24:32,400 --> 00:24:34,639
Speaker 1: want to put that on their shelf right in front.

505
00:24:34,800 --> 00:24:38,240
Speaker 1: So when their friends come over, they're like, yeah, I

506
00:24:38,280 --> 00:24:40,800
Speaker 1: read Berna and Nat and she's great. Do you know

507
00:24:40,840 --> 00:24:43,680
Speaker 1: about her? Oh you don't? Oh wow, it's crazy. You

508
00:24:43,760 --> 00:24:47,399
Speaker 1: must not know any brown people like I do just

509
00:24:47,480 --> 00:24:48,280
Speaker 1: my two cents.

510
00:24:49,200 --> 00:24:50,800
Speaker 3: No, I know exactly what you mean. I know that

511
00:24:50,840 --> 00:24:53,920
Speaker 3: if I put my body on the cover like with Tiffany,

512
00:24:54,200 --> 00:24:58,119
Speaker 3: like her persona, her brand is like preschool teacher, but

513
00:24:58,240 --> 00:25:01,560
Speaker 3: make it finance and make it like and relatable, and

514
00:25:01,640 --> 00:25:03,879
Speaker 3: so her on the cover with her like beautiful dress

515
00:25:03,920 --> 00:25:06,920
Speaker 3: and like put together. It works. If I were to

516
00:25:06,960 --> 00:25:09,440
Speaker 3: conceptualize myself on the cover of my own money book,

517
00:25:09,480 --> 00:25:11,399
Speaker 3: I'm like immediately like, oh, there's probably going to be

518
00:25:11,440 --> 00:25:13,439
Speaker 3: a body part. You have to sensor. My leg's going

519
00:25:13,520 --> 00:25:15,440
Speaker 3: to be up in the air. There's going to be Yeah,

520
00:25:15,880 --> 00:25:16,520
Speaker 3: it's gonna.

521
00:25:16,320 --> 00:25:20,480
Speaker 1: Be wild flying out of you know, your orifices.

522
00:25:20,720 --> 00:25:24,280
Speaker 3: Just do something, all the orifices exactly. Actually, what I

523
00:25:24,320 --> 00:25:26,119
Speaker 3: did last week is I bought a bunch. I just

524
00:25:26,160 --> 00:25:28,000
Speaker 3: went on a rant and bought a bunch of books

525
00:25:28,480 --> 00:25:30,600
Speaker 3: that I've been wanting to read that I knew were

526
00:25:30,680 --> 00:25:34,120
Speaker 3: funny or interesting and taught something specific. And the book

527
00:25:34,119 --> 00:25:36,960
Speaker 3: that I want right now is Ali Wong's Dear Girls.

528
00:25:37,000 --> 00:25:37,600
Speaker 3: Have you heard of it?

529
00:25:37,720 --> 00:25:40,359
Speaker 1: I haven't heard of that book, but I know Ali Yeah,

530
00:25:40,480 --> 00:25:41,200
Speaker 1: Oh my gosh.

531
00:25:41,200 --> 00:25:44,400
Speaker 3: Basically it's a book about is her letters to her

532
00:25:44,400 --> 00:25:48,800
Speaker 3: two daughters, and it's so hilarious, super super funny. And

533
00:25:49,520 --> 00:25:51,600
Speaker 3: the picture of her on the cover, it's her in

534
00:25:51,640 --> 00:25:54,639
Speaker 3: this beautiful glittery dress, but she's asleep. She has like

535
00:25:54,680 --> 00:25:56,640
Speaker 3: asleep with her mouth open. And I was like, see

536
00:25:57,000 --> 00:25:59,480
Speaker 3: if we can hit a cover like that, that's like, yes,

537
00:25:59,520 --> 00:26:03,000
Speaker 3: I'm Paul, but not really, Yes, that would be great

538
00:26:03,119 --> 00:26:03,560
Speaker 3: to show it.

539
00:26:03,640 --> 00:26:06,240
Speaker 1: It's a different book. All right. Well I'm not obviously

540
00:26:06,240 --> 00:26:10,120
Speaker 1: the air business coach, but got aside talk. We kind

541
00:26:10,119 --> 00:26:13,240
Speaker 1: of skipped over that hefty debt amount that you mentioned earlier.

542
00:26:13,240 --> 00:26:16,119
Speaker 1: You had nearly fifty thousand dollars in debt student loans.

543
00:26:16,160 --> 00:26:18,359
Speaker 1: I get twelve thousand dollars a credit card debt. What

544
00:26:18,400 --> 00:26:21,480
Speaker 1: were you buying, Berna, Oh my gosh, was it a

545
00:26:21,480 --> 00:26:22,800
Speaker 1: lot avo toast.

546
00:26:23,680 --> 00:26:27,400
Speaker 3: It was a lot of bottomless brunch in the Lower

547
00:26:27,400 --> 00:26:29,120
Speaker 3: East Side of New York City, is what it was.

548
00:26:29,560 --> 00:26:33,320
Speaker 3: It was a lot of being twenty to twenty four

549
00:26:33,400 --> 00:26:36,720
Speaker 3: years old in New York City with no financial skills,

550
00:26:36,920 --> 00:26:40,159
Speaker 3: but lots of influence and kind of helium in the

551
00:26:40,200 --> 00:26:41,840
Speaker 3: head about what you're supposed to be doing.

552
00:26:42,160 --> 00:26:43,480
Speaker 1: What years were you here, proud?

553
00:26:44,320 --> 00:26:47,399
Speaker 3: I was in New York City from two thousand and

554
00:26:47,560 --> 00:26:49,600
Speaker 3: eleven to two thy fifteen.

555
00:26:50,040 --> 00:26:53,760
Speaker 1: God, we were so we could have been almost that

556
00:26:53,960 --> 00:26:58,639
Speaker 1: was my era. Yes, of my wild Ponies, we were probably.

557
00:26:59,160 --> 00:27:01,000
Speaker 1: I mean, if this were movie, you'd probably like go

558
00:27:01,080 --> 00:27:02,560
Speaker 1: back and be like, Oh, that was you at that

559
00:27:02,640 --> 00:27:04,440
Speaker 1: club or that was you at that lappy hour?

560
00:27:05,359 --> 00:27:05,560
Speaker 3: Yes?

561
00:27:05,600 --> 00:27:07,680
Speaker 1: Did you also wake up on each other? Did you

562
00:27:07,720 --> 00:27:09,040
Speaker 1: also wake up on the side of the street on

563
00:27:09,080 --> 00:27:13,560
Speaker 1: New Year's Eve robbed without a cell phone? Was that

564
00:27:13,640 --> 00:27:14,160
Speaker 1: you or the other?

565
00:27:14,240 --> 00:27:14,280
Speaker 5: So?

566
00:27:16,160 --> 00:27:18,080
Speaker 3: Was I the one that was like chased down the

567
00:27:18,160 --> 00:27:19,840
Speaker 3: robber for you and had no idea? Or was I

568
00:27:19,880 --> 00:27:21,600
Speaker 3: the one who was like, girl, take this drink and

569
00:27:21,640 --> 00:27:23,200
Speaker 3: I was like the last person to give you alcohol

570
00:27:23,240 --> 00:27:26,200
Speaker 3: in the club. Could have been any one of them.

571
00:27:26,240 --> 00:27:29,600
Speaker 1: But that was a letter. Yes, that's so funny. Well

572
00:27:29,600 --> 00:27:32,560
Speaker 1: then that's I mean, say no more because it is

573
00:27:32,720 --> 00:27:34,800
Speaker 1: extremely easy to wrack up the kind of debt. But

574
00:27:34,840 --> 00:27:36,520
Speaker 1: you said that you had a hard time facing it.

575
00:27:36,600 --> 00:27:39,239
Speaker 1: When did you finally face the music? And then how

576
00:27:39,280 --> 00:27:40,600
Speaker 1: did you how did you tackle it?

577
00:27:40,960 --> 00:27:41,120
Speaker 4: Oh?

578
00:27:41,160 --> 00:27:44,280
Speaker 3: Boy? Okay, So the build up to it was definitely

579
00:27:44,600 --> 00:27:47,840
Speaker 3: being very influenced by New York City, like young person culture.

580
00:27:48,160 --> 00:27:50,240
Speaker 3: You got to go out all the time, it's it's

581
00:27:50,240 --> 00:27:52,280
Speaker 3: brunch in the club and brench in the club every weekend.

582
00:27:52,880 --> 00:27:56,240
Speaker 3: And it's also this specific culture that my friends and

583
00:27:56,240 --> 00:27:59,359
Speaker 3: I had of like almost bragging about how broke you

584
00:27:59,440 --> 00:28:01,320
Speaker 3: were or how much we were struggling. It was like

585
00:28:01,920 --> 00:28:04,080
Speaker 3: it was like this very specific kind of humble brag

586
00:28:04,080 --> 00:28:06,399
Speaker 3: of just like I'm broke, me too, I'm the brokes,

587
00:28:06,520 --> 00:28:09,080
Speaker 3: like it made broke was kind of sexy to a

588
00:28:09,119 --> 00:28:13,119
Speaker 3: weird and gross degree. And we would talk about struggling,

589
00:28:13,119 --> 00:28:15,560
Speaker 3: but we no one ever actually talked about the numbers

590
00:28:15,600 --> 00:28:18,600
Speaker 3: behind their debt, and no one talked about the actual abject,

591
00:28:18,720 --> 00:28:21,720
Speaker 3: low boiled, constant fear we all felt about our debt.

592
00:28:22,440 --> 00:28:25,320
Speaker 3: And so that was terrible. It was like going to

593
00:28:25,400 --> 00:28:29,320
Speaker 3: the bathroom and like opening my ba A app Bank

594
00:28:29,320 --> 00:28:32,280
Speaker 3: of America app and like transferring so I can get

595
00:28:32,320 --> 00:28:36,360
Speaker 3: the next round of Margaritos are on me. Terrible, terrible stuff. Oh,

596
00:28:36,680 --> 00:28:39,240
Speaker 3: I think it was again. It wasn't until I got

597
00:28:39,280 --> 00:28:42,160
Speaker 3: that full time job for the first time in a

598
00:28:42,160 --> 00:28:45,120
Speaker 3: long time, with like the money drip every other Friday,

599
00:28:45,520 --> 00:28:47,840
Speaker 3: that I was like, Okay, I think this is God

600
00:28:48,080 --> 00:28:52,160
Speaker 3: telling me, like you may now enter the ancient Caucasian

601
00:28:52,240 --> 00:28:54,800
Speaker 3: art of budgeting. Let's see what's going on there. And

602
00:28:54,840 --> 00:28:57,520
Speaker 3: then when I started to read blogs and things that

603
00:28:57,640 --> 00:29:00,000
Speaker 3: were like, you got to attack your most expensive day,

604
00:29:00,000 --> 00:29:01,840
Speaker 3: which is quite a card debt, and so I sort

605
00:29:01,880 --> 00:29:05,720
Speaker 3: of followed that plan that most financial experts gave you

606
00:29:05,760 --> 00:29:07,080
Speaker 3: of like attack their credit card debt.

607
00:29:07,120 --> 00:29:07,400
Speaker 4: First.

608
00:29:08,160 --> 00:29:10,240
Speaker 3: I had never seen all of my debt out on

609
00:29:10,240 --> 00:29:12,560
Speaker 3: one piece of paper like that before, and that was

610
00:29:12,560 --> 00:29:14,280
Speaker 3: like a step that I think a blog had told

611
00:29:14,320 --> 00:29:16,719
Speaker 3: me to do. So I opened up Polusha's wallet, and

612
00:29:16,760 --> 00:29:19,200
Speaker 3: I open up Bank of America and Chase and all

613
00:29:19,200 --> 00:29:22,920
Speaker 3: the things, and putting all those numbers down on my

614
00:29:22,960 --> 00:29:25,680
Speaker 3: Google doc for the first time and looking at them.

615
00:29:26,000 --> 00:29:29,000
Speaker 3: It's the anticipation of doing that is horrifying, and then

616
00:29:29,040 --> 00:29:32,960
Speaker 3: actually looking at it is like, there's horror to it,

617
00:29:33,440 --> 00:29:35,600
Speaker 3: but it's a lot less scary than I thought it

618
00:29:35,640 --> 00:29:37,760
Speaker 3: was going to be. Like I was like, okay, I

619
00:29:37,800 --> 00:29:39,920
Speaker 3: knew I had a lot, and when I saw the

620
00:29:40,000 --> 00:29:42,320
Speaker 3: number twelve thousand, I was like, that's a butt ton.

621
00:29:42,960 --> 00:29:44,680
Speaker 3: But then I started to sort of break down what

622
00:29:44,720 --> 00:29:46,440
Speaker 3: would it look like to pay that off? How many

623
00:29:46,440 --> 00:29:48,840
Speaker 3: months would it take? It got a little less scary

624
00:29:48,880 --> 00:29:52,440
Speaker 3: after that. I like to tell people that thinking about

625
00:29:52,440 --> 00:29:54,959
Speaker 3: your debt before actually looking at it is kind of

626
00:29:55,000 --> 00:29:56,080
Speaker 3: like when you wake up in the middle of the

627
00:29:56,160 --> 00:29:59,760
Speaker 3: night and it's dark, but you can see your clothes chair,

628
00:30:00,040 --> 00:30:01,800
Speaker 3: you know, the chair that you like throw clothes on,

629
00:30:02,480 --> 00:30:06,400
Speaker 3: and talking about this is just a story someone told me.

630
00:30:06,400 --> 00:30:08,360
Speaker 3: I don't know about a close share. But you like,

631
00:30:08,360 --> 00:30:10,000
Speaker 3: look at your clothes chair in the night and it

632
00:30:10,080 --> 00:30:13,440
Speaker 3: looks like a serial killer. And the longer you stare

633
00:30:13,520 --> 00:30:15,040
Speaker 3: it in the dark, the more you're like, that's definitely

634
00:30:15,200 --> 00:30:18,000
Speaker 3: that's hysterically. It's getting closer, it's growing, it's getting taller.

635
00:30:18,040 --> 00:30:20,440
Speaker 3: I'm gonna die. But then you turn the light out

636
00:30:20,520 --> 00:30:23,440
Speaker 3: and you're like, oh, it's just a cloth stair. It's fine.

637
00:30:23,480 --> 00:30:25,080
Speaker 3: That's what it felt like to look at my debt.

638
00:30:25,120 --> 00:30:26,240
Speaker 3: Like before I was looking at it, I was like,

639
00:30:26,280 --> 00:30:26,960
Speaker 3: it's gonna kill me.

640
00:30:27,000 --> 00:30:27,440
Speaker 4: I can't.

641
00:30:27,680 --> 00:30:30,360
Speaker 3: Then you actually look at the numbers and you're like, okay,

642
00:30:31,000 --> 00:30:32,920
Speaker 3: it's a number. I might actually be able to plan

643
00:30:33,000 --> 00:30:33,360
Speaker 3: around this.

644
00:30:34,240 --> 00:30:35,720
Speaker 1: I mean, at the same time, you're living in a

645
00:30:35,760 --> 00:30:38,200
Speaker 1: really expensive I mean the Bay Area, even though you're

646
00:30:38,240 --> 00:30:41,360
Speaker 1: working for a huge company like IG. It can't be

647
00:30:41,560 --> 00:30:44,200
Speaker 1: cheap to it can't be cheap or even affordable to

648
00:30:44,240 --> 00:30:46,480
Speaker 1: live there, and then you went, Now you're full time

649
00:30:46,600 --> 00:30:49,120
Speaker 1: hey burn a full time Hella Helpful, which is your

650
00:30:49,120 --> 00:30:52,040
Speaker 1: online community, right, Yes, we got it. We definitely gotta

651
00:30:52,040 --> 00:30:53,840
Speaker 1: plug that and you guys can go to heyburna dot

652
00:30:53,840 --> 00:30:55,920
Speaker 1: com to get all the ways. Although you're probably a

653
00:30:55,920 --> 00:30:59,640
Speaker 1: little dormant right now with your your book caving, but anyway,

654
00:30:59,680 --> 00:31:02,160
Speaker 1: book market it for future use. But talk to me

655
00:31:02,240 --> 00:31:06,120
Speaker 1: about Hella Helpful as a community and when did you

656
00:31:06,200 --> 00:31:08,560
Speaker 1: launch that and how did you go from Okay, I've

657
00:31:08,600 --> 00:31:10,680
Speaker 1: done the cute nine to five thing. I'm ready to

658
00:31:10,720 --> 00:31:14,640
Speaker 1: go full on with my new venture. I'm selfishly asked,

659
00:31:14,840 --> 00:31:16,520
Speaker 1: because that's what I'm doing right now a little bit too,

660
00:31:16,600 --> 00:31:17,840
Speaker 1: so yes, yeah, I know.

661
00:31:17,880 --> 00:31:20,320
Speaker 3: I'm so excited to watch this happen with you. I

662
00:31:20,360 --> 00:31:24,160
Speaker 3: have to say that major privileges helped to get me

663
00:31:24,280 --> 00:31:28,040
Speaker 3: to from then to now, one being I increased my

664
00:31:28,080 --> 00:31:30,760
Speaker 3: income a button when I went to go work for Instagram.

665
00:31:31,120 --> 00:31:34,440
Speaker 3: There's nothing better for taking down your debt and saving

666
00:31:34,520 --> 00:31:36,960
Speaker 3: money than earning more money. And that needs to be

667
00:31:37,120 --> 00:31:40,160
Speaker 3: very transparent about that kind of thing. Amazing thing better

668
00:31:40,480 --> 00:31:41,320
Speaker 3: crazy right.

669
00:31:41,240 --> 00:31:43,080
Speaker 1: People, don't what don't you call it a privilege? People?

670
00:31:43,120 --> 00:31:46,200
Speaker 1: Don't like to admit it, but that is it's very simple.

671
00:31:46,280 --> 00:31:49,520
Speaker 1: Like you didn't invent reinvent the wheel. I just just

672
00:31:49,600 --> 00:31:51,280
Speaker 1: made more money and then I had more money, and

673
00:31:51,320 --> 00:31:53,040
Speaker 1: then I used that money to pay off the debt.

674
00:31:53,920 --> 00:31:55,640
Speaker 3: That is the I mean, you have to be able

675
00:31:55,640 --> 00:31:57,600
Speaker 3: to stay it out loud. The people who don't say

676
00:31:57,600 --> 00:31:59,760
Speaker 3: that are probably trying to sell you an online course

677
00:32:00,240 --> 00:32:03,520
Speaker 3: because it's I got to where I got, like, I

678
00:32:03,560 --> 00:32:06,360
Speaker 3: got to taking down my debt in three years because

679
00:32:06,360 --> 00:32:08,680
Speaker 3: I got a bigger paycheck. It's the number one thing.

680
00:32:09,080 --> 00:32:12,000
Speaker 3: The tips and the tricks and the organization and the budgeting,

681
00:32:12,400 --> 00:32:16,520
Speaker 3: those were all ways to organize the more money coming in.

682
00:32:16,560 --> 00:32:19,360
Speaker 3: But it was the more money that made my debt

683
00:32:19,520 --> 00:32:22,440
Speaker 3: payoff journey so much faster than whatever. Really that what

684
00:32:22,520 --> 00:32:26,280
Speaker 3: it could have been. And another privilege was when I

685
00:32:26,320 --> 00:32:29,160
Speaker 3: came back to the Bay Area to work at my

686
00:32:29,600 --> 00:32:31,640
Speaker 3: job at Instagram, I was still very like, I'm trying

687
00:32:31,680 --> 00:32:33,040
Speaker 3: to be independent. I leave me alone. I want to

688
00:32:33,040 --> 00:32:37,000
Speaker 3: get my apartment. And then my wonderful immigrant Asian parents

689
00:32:37,000 --> 00:32:39,960
Speaker 3: were like, are you being an idiot? Your childhood bedroom

690
00:32:40,440 --> 00:32:42,120
Speaker 3: is right there. I held out for a year. I

691
00:32:42,120 --> 00:32:43,160
Speaker 3: was like, I want to live with my friend.

692
00:32:43,200 --> 00:32:43,960
Speaker 4: Lets get away from me.

693
00:32:44,400 --> 00:32:47,160
Speaker 3: And then I started to get really serious about my

694
00:32:47,720 --> 00:32:50,760
Speaker 3: paying off my debt because I wanted to quit and

695
00:32:50,800 --> 00:32:53,160
Speaker 3: travel for a year, and so did my partner. And

696
00:32:53,200 --> 00:32:54,640
Speaker 3: that's when I was like, all right, I'm going to

697
00:32:54,720 --> 00:32:56,960
Speaker 3: then lean into the privileges that I have been given

698
00:32:57,880 --> 00:33:00,240
Speaker 3: given by the way I did not work. For the

699
00:33:00,280 --> 00:33:02,440
Speaker 3: fact that I have an incredible family who were like, come,

700
00:33:02,680 --> 00:33:05,720
Speaker 3: come stay in my house. That was a privilege. So

701
00:33:05,920 --> 00:33:08,200
Speaker 3: I stayed with them for a year while I was

702
00:33:09,120 --> 00:33:10,880
Speaker 3: paying off my debt. I was still paying rent to

703
00:33:10,920 --> 00:33:12,800
Speaker 3: them because I wanted to keep.

704
00:33:12,600 --> 00:33:13,880
Speaker 4: Some semblance of adulthood.

705
00:33:14,560 --> 00:33:17,080
Speaker 3: But yes, it was not San Francisco Marcert rent, but

706
00:33:17,080 --> 00:33:20,440
Speaker 3: it was still rent and that was a major privilege too.

707
00:33:20,480 --> 00:33:22,480
Speaker 3: So I have to be able to we don't acknowledge

708
00:33:22,520 --> 00:33:25,480
Speaker 3: our privileges then that I'm trying to sell you online course,

709
00:33:25,520 --> 00:33:27,360
Speaker 3: and that's what I'm trying to I'm not trying to do. No.

710
00:33:27,520 --> 00:33:29,840
Speaker 1: I mean, I think that that's amazing. And I certainly

711
00:33:29,880 --> 00:33:32,840
Speaker 1: know whoever could flee to mommy and Daddy's house or

712
00:33:32,880 --> 00:33:35,640
Speaker 1: family during the pandemic to save money. I mean, if

713
00:33:35,680 --> 00:33:37,440
Speaker 1: you didn't use that as an opportunity to pay down

714
00:33:37,440 --> 00:33:39,200
Speaker 1: some debt and stack your coins. I don't know what

715
00:33:39,760 --> 00:33:42,280
Speaker 1: you were thinking. There's no shame in that. I've talked

716
00:33:42,320 --> 00:33:44,000
Speaker 1: about how my husband and I moved in with his

717
00:33:44,040 --> 00:33:47,680
Speaker 1: parents also, you know, his first generation Dominican, and his

718
00:33:47,800 --> 00:33:49,720
Speaker 1: parents believe me, they would love if we were still

719
00:33:49,720 --> 00:33:53,360
Speaker 1: there in that three bedroom, tiny, tiny apartment. But that

720
00:33:53,600 --> 00:33:56,360
Speaker 1: was I mean, it was the savvy, smart financial move,

721
00:33:56,400 --> 00:34:01,280
Speaker 1: but it was hard. It was very hard. Respect and

722
00:34:01,320 --> 00:34:02,120
Speaker 1: commend you for that.

723
00:34:03,440 --> 00:34:05,880
Speaker 3: Now there's an emotional tax that comes with it, for sure.

724
00:34:06,280 --> 00:34:08,799
Speaker 1: So you're living with your folks and your partner as well,

725
00:34:08,960 --> 00:34:09,200
Speaker 1: or are you?

726
00:34:09,239 --> 00:34:12,959
Speaker 3: Guys, Yes, we both moved in to my families because

727
00:34:12,960 --> 00:34:15,480
Speaker 3: we were both living in separate apartments on our own,

728
00:34:15,880 --> 00:34:18,479
Speaker 3: and then we both committed to this debt payoffjourney together

729
00:34:18,520 --> 00:34:20,359
Speaker 3: because we both wanted to pay off all of our

730
00:34:20,400 --> 00:34:22,759
Speaker 3: debt and quit our jobs and travel the world for

731
00:34:22,800 --> 00:34:25,560
Speaker 3: a year. And of course the entire time I were like,

732
00:34:25,840 --> 00:34:27,200
Speaker 3: how do we save money, how do we save money?

733
00:34:27,200 --> 00:34:29,160
Speaker 3: How do we make bigger payments on our debt? My

734
00:34:29,200 --> 00:34:32,920
Speaker 3: parents are like idiots, idiots over here get it in

735
00:34:33,000 --> 00:34:35,600
Speaker 3: this house. And we're so grateful that that they were

736
00:34:35,600 --> 00:34:38,320
Speaker 3: all would do that. So we did that, and please.

737
00:34:38,080 --> 00:34:40,120
Speaker 1: Tell me that a couple of years. Yeah, please tell

738
00:34:40,160 --> 00:34:42,279
Speaker 1: me that your big travel year was not supposed to

739
00:34:42,320 --> 00:34:43,759
Speaker 1: be twenty twenty. Did you get it in.

740
00:34:43,680 --> 00:34:48,080
Speaker 3: Before we finished it? It was all twenty eighteen January

741
00:34:48,120 --> 00:34:50,600
Speaker 3: to December twenty eighteen, thank goodness. And then when I

742
00:34:50,640 --> 00:34:53,759
Speaker 3: got back, I had to make a decision of like, Okay, well,

743
00:34:53,800 --> 00:34:56,240
Speaker 3: am I going to go back to my cozy, comfy,

744
00:34:56,280 --> 00:34:59,239
Speaker 3: well paid nine to five which is wonderful too, and

745
00:34:59,239 --> 00:35:01,680
Speaker 3: there's no appol no shame in that. Or should I

746
00:35:01,719 --> 00:35:04,680
Speaker 3: see where this crazy ass road is going to go? Like,

747
00:35:05,280 --> 00:35:07,840
Speaker 3: people respond a lot to these videos. They like it

748
00:35:07,880 --> 00:35:09,759
Speaker 3: when I work for their financial wins, They like it

749
00:35:09,760 --> 00:35:12,920
Speaker 3: when they teach something what if I just keep going?

750
00:35:13,000 --> 00:35:15,480
Speaker 3: And that what if basically has lasted from the end

751
00:35:15,520 --> 00:35:16,919
Speaker 3: of twenty eighteen to now.

752
00:35:17,200 --> 00:35:19,239
Speaker 1: Oh wow? So how much did you say for that

753
00:35:19,280 --> 00:35:21,239
Speaker 1: epic trip? I like to get into numbers. Did you

754
00:35:21,239 --> 00:35:23,280
Speaker 1: have a goal number in mind?

755
00:35:24,200 --> 00:35:26,800
Speaker 3: We did? I want to say it was like thirty

756
00:35:26,920 --> 00:35:30,640
Speaker 3: six thousand that we saved for the trip between myself

757
00:35:30,719 --> 00:35:33,239
Speaker 3: and Peter, because we know we wanted to travel for

758
00:35:33,320 --> 00:35:36,319
Speaker 3: the entire year. Basically, what we did was once we

759
00:35:36,360 --> 00:35:39,319
Speaker 3: stopped aggressively paying off our student loans. We put that

760
00:35:39,400 --> 00:35:41,279
Speaker 3: exact same amount of money we were paying and just

761
00:35:41,400 --> 00:35:43,480
Speaker 3: lobbed it into a savings every single month as if

762
00:35:43,520 --> 00:35:45,799
Speaker 3: we were still paying off our student loans, and just

763
00:35:45,880 --> 00:35:49,359
Speaker 3: lob lab lab all the bonuses, lob it everything, selling things,

764
00:35:49,400 --> 00:35:52,440
Speaker 3: lob it. We came out of that year. We had

765
00:35:52,520 --> 00:35:55,880
Speaker 3: I think like four to six thousand dollars left at

766
00:35:55,880 --> 00:35:57,759
Speaker 3: the end of twenty eighteen, and we used it to

767
00:35:57,800 --> 00:36:01,640
Speaker 3: buy a used electric car. It is all very millennial. Yeah,

768
00:36:01,800 --> 00:36:04,640
Speaker 3: he play millennial annoying for you.

769
00:36:05,239 --> 00:36:08,720
Speaker 1: It's fine and embrace it. So you buy your wonderful

770
00:36:08,800 --> 00:36:10,800
Speaker 1: you bout your electric vehicle, and then you decided to

771
00:36:10,880 --> 00:36:12,640
Speaker 1: lean into hay burner. So does your partner Is he

772
00:36:12,680 --> 00:36:14,680
Speaker 1: a partner business as well? Does he help with the

773
00:36:15,360 --> 00:36:15,920
Speaker 1: hay burner?

774
00:36:16,520 --> 00:36:20,400
Speaker 3: He does. He helps in that he keeps us grocery fed

775
00:36:20,960 --> 00:36:24,040
Speaker 3: and that my dog likes him the best, So he

776
00:36:24,040 --> 00:36:26,200
Speaker 3: helps with the dog the most, for sure. But he's

777
00:36:26,200 --> 00:36:27,920
Speaker 3: doing his own thing. He works at the YMC in

778
00:36:27,960 --> 00:36:32,759
Speaker 3: San Francisco, and he's ours. He's the emotional balance. When

779
00:36:32,760 --> 00:36:36,000
Speaker 3: I'm in the corner of our apartment screaming and yelling

780
00:36:36,040 --> 00:36:38,960
Speaker 3: and dancing and you know, tworking for your financial wins.

781
00:36:38,960 --> 00:36:39,680
Speaker 3: He's the balance.

782
00:36:40,200 --> 00:36:42,400
Speaker 1: Oh wow, I feel like we have so so much

783
00:36:42,480 --> 00:36:45,080
Speaker 1: in common that that's exactly the dynamic with my husband,

784
00:36:45,200 --> 00:36:48,080
Speaker 1: although he's not he's more of like an eye roll

785
00:36:48,160 --> 00:36:50,280
Speaker 1: and I'm not doing that for you. You can do whatever

786
00:36:50,320 --> 00:36:52,480
Speaker 1: you want to do and the Zenden I will have

787
00:36:52,520 --> 00:36:55,399
Speaker 1: no part in it. Oh gosh, there's Zenden too.

788
00:36:55,440 --> 00:36:57,800
Speaker 3: I love your Zenden. I mean, you built a space

789
00:36:57,840 --> 00:37:02,799
Speaker 3: for you to do your knew freelance whatever thing.

790
00:37:03,560 --> 00:37:08,040
Speaker 1: Yeah. I it took me almost a year to take

791
00:37:08,120 --> 00:37:10,120
Speaker 1: the space for myself, and I don't know why it

792
00:37:10,120 --> 00:37:12,600
Speaker 1: took so long, but it is. It is my sanctuary.

793
00:37:13,120 --> 00:37:15,920
Speaker 1: It's kind of moldy and it smells sometimes when it rains,

794
00:37:15,960 --> 00:37:20,160
Speaker 1: but it's mine, but it's yours. She's cute. She cute,

795
00:37:20,920 --> 00:37:21,399
Speaker 1: very cute.

796
00:37:21,440 --> 00:37:23,160
Speaker 3: This is where it's all going to start. It started

797
00:37:23,200 --> 00:37:26,560
Speaker 3: in a basically like corner chair for me, and that's

798
00:37:26,600 --> 00:37:28,600
Speaker 3: where it's. At Least you have a den, at least.

799
00:37:28,480 --> 00:37:28,960
Speaker 4: You have a space.

800
00:37:29,000 --> 00:37:31,920
Speaker 1: I have something. Well, I'm loving having you on as

801
00:37:32,000 --> 00:37:34,200
Speaker 1: co hosts. Why don't we take a quick break. We're

802
00:37:34,200 --> 00:37:37,240
Speaker 1: gonna take some questions from our fabulous listeners with Berna

803
00:37:37,440 --> 00:38:11,920
Speaker 1: and stick around, guys, we'll be right back. All right,

804
00:38:11,960 --> 00:38:14,319
Speaker 1: we are back to take y'all's questions again. I am

805
00:38:14,400 --> 00:38:18,280
Speaker 1: joined by the illustrious, the amazing financial hype woman, everybody's

806
00:38:18,360 --> 00:38:19,200
Speaker 1: financial hype woman.

807
00:38:19,560 --> 00:38:23,080
Speaker 5: Hey Berna, Hey, oh my gosh, I've been dreaming about

808
00:38:23,120 --> 00:38:28,479
Speaker 5: doing that. Hey hey, hey, like I feel a little

809
00:38:29,080 --> 00:38:29,719
Speaker 5: just doing it.

810
00:38:29,880 --> 00:38:31,520
Speaker 1: Dang, we should have done it in the beginning.

811
00:38:32,320 --> 00:38:33,120
Speaker 3: Did you commit?

812
00:38:33,280 --> 00:38:35,040
Speaker 1: You're good at it? You're good at it. I mean,

813
00:38:35,080 --> 00:38:38,400
Speaker 1: I'm not trying to listen. She has gone, but not forgotten.

814
00:38:38,520 --> 00:38:40,920
Speaker 1: She'll be back. I'm not trying to like, I'm not

815
00:38:40,960 --> 00:38:44,160
Speaker 1: trying to, like, you know, start infiltrating her her trademarks

816
00:38:44,880 --> 00:38:45,480
Speaker 1: while she's gone.

817
00:38:45,520 --> 00:38:45,799
Speaker 5: No way.

818
00:38:45,840 --> 00:38:48,160
Speaker 3: I chiled her for the vibrato. I was like, give

819
00:38:48,200 --> 00:38:49,719
Speaker 3: me Tiffany for this.

820
00:38:50,000 --> 00:38:52,960
Speaker 1: We're back. Let's just do it then, Okay, let's do it. Okay,

821
00:38:53,320 --> 00:38:56,680
Speaker 1: go from the hey hey hey, heyah, you do the

822
00:38:56,680 --> 00:38:58,520
Speaker 1: hey hey, and I'll pretend like you're Tiffany and I'll

823
00:38:58,560 --> 00:38:59,359
Speaker 1: just I'll do my thing.

824
00:39:00,320 --> 00:39:05,239
Speaker 3: Okay, beautiful ready and five six seven eight, Hey, hey, hey.

825
00:39:06,280 --> 00:39:15,000
Speaker 1: We're free, We're black, We're black. We're never on the

826
00:39:15,000 --> 00:39:17,399
Speaker 1: same key. We're never in any kind of harmony. It's

827
00:39:17,440 --> 00:39:18,080
Speaker 1: just beautiful.

828
00:39:18,160 --> 00:39:21,000
Speaker 3: It's almos, it's different channels. We come towards each other

829
00:39:21,080 --> 00:39:21,600
Speaker 3: like a river.

830
00:39:21,800 --> 00:39:22,320
Speaker 4: Boom.

831
00:39:22,360 --> 00:39:23,800
Speaker 1: Well, we are in the purple. We're both bring a

832
00:39:23,800 --> 00:39:28,120
Speaker 1: little purple today we have the same wavelength channeling just

833
00:39:28,239 --> 00:39:31,000
Speaker 1: like it's just meant to be. All right, but seriously,

834
00:39:31,080 --> 00:39:33,719
Speaker 1: all we are here to answer your questions. As a reminder,

835
00:39:34,000 --> 00:39:36,760
Speaker 1: my friend Berna and I we are your financial girlfriends today.

836
00:39:36,800 --> 00:39:40,680
Speaker 1: We are not your financial experts, your financial advisors. Always

837
00:39:40,760 --> 00:39:43,960
Speaker 1: consult you know, all your biggest money questions with a

838
00:39:44,000 --> 00:39:48,360
Speaker 1: professional if you want real, personalized, tailored advice. What we're

839
00:39:48,400 --> 00:39:52,440
Speaker 1: suggesting to you our opinions based on our own experiences, YadA, yadayatda.

840
00:39:52,480 --> 00:39:55,080
Speaker 1: Please don't sue us, don't forget you. Guys can send

841
00:39:55,160 --> 00:39:58,080
Speaker 1: us your questions at Brown Ambition Podcast at gmail dot com,

842
00:39:58,200 --> 00:40:00,719
Speaker 1: or you can head us up on ig at Brown

843
00:40:00,760 --> 00:40:04,879
Speaker 1: Ambition Podcast. All right, let's get into your questions. We've

844
00:40:04,920 --> 00:40:08,040
Speaker 1: got two amazing ones. The first one comes from listener

845
00:40:08,080 --> 00:40:11,920
Speaker 1: named Shanika. Shanika says, hey, y'all, hope this message Rea

846
00:40:12,440 --> 00:40:12,920
Speaker 1: reaches you.

847
00:40:13,000 --> 00:40:13,280
Speaker 6: Well.

848
00:40:13,440 --> 00:40:17,239
Speaker 1: I recently obtained my master's in social work becoming knowledgeable

849
00:40:17,320 --> 00:40:20,719
Speaker 1: about financial wholeness with the assistants of Brown Ambition. I

850
00:40:20,800 --> 00:40:25,719
Speaker 1: paid for my graduate degree out of pocket a snap. However,

851
00:40:26,000 --> 00:40:28,359
Speaker 1: I am fifty thousand dollars in debt from my two

852
00:40:28,680 --> 00:40:32,880
Speaker 1: undergraduate degrees. My annual income is fifty thousand dollars, and

853
00:40:32,920 --> 00:40:34,960
Speaker 1: as a single woman with no children, I have a

854
00:40:35,000 --> 00:40:37,919
Speaker 1: pretty good amount of disposable income. What do you feel

855
00:40:38,000 --> 00:40:40,800
Speaker 1: is the best approach in terms of decreasing my undergrad

856
00:40:40,880 --> 00:40:43,759
Speaker 1: debt to aid my financial wellness. I'd like to be

857
00:40:43,880 --> 00:40:46,360
Speaker 1: debt free, but I'd also like to enjoy some of

858
00:40:46,400 --> 00:40:49,680
Speaker 1: my earnings. Thank you in advance, and please tell Tiffany Hello,

859
00:40:50,080 --> 00:40:53,560
Speaker 1: Hello Tiffany. She hey listen and she's on vacation. But anyway,

860
00:40:54,200 --> 00:40:57,880
Speaker 1: all right, Shenika, Well, congrats on going getting a whole

861
00:40:58,000 --> 00:41:01,440
Speaker 1: graduate degree without debt. That's even more impressive.

862
00:41:01,600 --> 00:41:03,640
Speaker 3: And two undergraduate degrees is what it was.

863
00:41:04,080 --> 00:41:08,560
Speaker 1: So she paid for her grad degree masters out of pocket,

864
00:41:08,680 --> 00:41:11,399
Speaker 1: but she still has fifty k a worth of debt

865
00:41:11,400 --> 00:41:14,920
Speaker 1: from two undergraduate degrees, so she real real educated espe

866
00:41:15,040 --> 00:41:16,360
Speaker 1: she's trying to tell I was.

867
00:41:16,360 --> 00:41:17,800
Speaker 3: Going to say, like, let me just have my financial

868
00:41:17,840 --> 00:41:20,920
Speaker 3: hypoman moment and be like, you paid for a graduate

869
00:41:20,960 --> 00:41:24,680
Speaker 3: degree out of pocket. That is a beautiful and wonderful thing.

870
00:41:24,920 --> 00:41:27,759
Speaker 3: Many many graduates out there are like, huh, feeling a

871
00:41:27,760 --> 00:41:30,600
Speaker 3: lot of inspo. So please give yourself three to five

872
00:41:30,600 --> 00:41:33,320
Speaker 3: business days of credit for that first before you jump

873
00:41:33,360 --> 00:41:37,120
Speaker 3: into the debt payoff journey. But yeah, many first dates.

874
00:41:37,560 --> 00:41:39,600
Speaker 1: I also want to know how she did that, but

875
00:41:39,640 --> 00:41:42,200
Speaker 1: that's you know, neither here nor there. Yes, so having

876
00:41:42,360 --> 00:41:44,959
Speaker 1: an income of fifty k with fifty k worth of debt.

877
00:41:45,200 --> 00:41:47,200
Speaker 1: This is always a trick with student loan questions is

878
00:41:47,200 --> 00:41:49,879
Speaker 1: people don't always say whether it's federal or private. But

879
00:41:49,920 --> 00:41:51,520
Speaker 1: we have to remind you all that until the end

880
00:41:51,560 --> 00:41:54,040
Speaker 1: of September, you don't need to make payments on your

881
00:41:54,040 --> 00:41:57,879
Speaker 1: student loans. So that's a huge opportunity. It doesn't make

882
00:41:58,000 --> 00:42:00,800
Speaker 1: a lot of sense one they you just don't have to.

883
00:42:00,960 --> 00:42:04,960
Speaker 1: There's there's a moratorium on student federal student loan payments

884
00:42:04,960 --> 00:42:07,440
Speaker 1: because of the pandemic or the end of September. But

885
00:42:07,520 --> 00:42:10,719
Speaker 1: on top of that, you could stand to gain a

886
00:42:10,760 --> 00:42:13,840
Speaker 1: lot more by you know, putting your money even in

887
00:42:13,880 --> 00:42:15,919
Speaker 1: a high yield savings account. I mean, they're not giving

888
00:42:16,000 --> 00:42:19,440
Speaker 1: much return these days, but it's better than nothing. Or

889
00:42:19,480 --> 00:42:22,720
Speaker 1: you could be funneling more cash into your emergency fund

890
00:42:23,360 --> 00:42:26,440
Speaker 1: or of course investing, you know, contributing to a four

891
00:42:26,440 --> 00:42:28,440
Speaker 1: to one k if you have one or an I

892
00:42:28,640 --> 00:42:33,360
Speaker 1: array as far as like the disposable income part and

893
00:42:33,880 --> 00:42:36,080
Speaker 1: feeling like, you know, I'm single, I have no kids,

894
00:42:36,120 --> 00:42:39,000
Speaker 1: I've got fifty K. Now I want to be enjoying it.

895
00:42:39,520 --> 00:42:41,680
Speaker 1: That is constantly like the tug, you know. On the

896
00:42:41,680 --> 00:42:43,799
Speaker 1: one hand, it's like if you're going to be making

897
00:42:43,800 --> 00:42:46,120
Speaker 1: good money but you can't enjoy it, then like what's

898
00:42:46,200 --> 00:42:49,759
Speaker 1: the point. But at the same time, that fifty k

899
00:42:49,880 --> 00:42:52,400
Speaker 1: debt isn't going anywhere, So like what do you say

900
00:42:52,480 --> 00:42:53,680
Speaker 1: to that BURNA, I.

901
00:42:53,719 --> 00:42:56,440
Speaker 3: Think you hit the number one thing is we're in

902
00:42:56,480 --> 00:42:59,360
Speaker 3: a very weird bubble of time right now where federal

903
00:42:59,360 --> 00:43:02,280
Speaker 3: student loan kind of don't matter until the end of September.

904
00:43:02,400 --> 00:43:04,600
Speaker 3: I don't remember. Now Mandy, you can tell me whether

905
00:43:04,840 --> 00:43:06,880
Speaker 3: interest is accruing or not, because I'm like, are we

906
00:43:06,920 --> 00:43:09,359
Speaker 3: in a golden enough time? Right so that could be

907
00:43:09,719 --> 00:43:11,520
Speaker 3: this could be a golden time for you either to

908
00:43:11,680 --> 00:43:13,719
Speaker 3: like Mandy said, put that money into something that's going

909
00:43:13,800 --> 00:43:16,200
Speaker 3: to grow faster. Than your interest rate on student loans,

910
00:43:17,000 --> 00:43:19,239
Speaker 3: or if you want to be eager beaver about it,

911
00:43:19,280 --> 00:43:22,400
Speaker 3: which I typically am with my finances. We're also in

912
00:43:22,440 --> 00:43:25,000
Speaker 3: this golden period where interest is not accruing, so the

913
00:43:25,040 --> 00:43:28,680
Speaker 3: payments that you make towards these student loans are interest free,

914
00:43:28,760 --> 00:43:32,120
Speaker 3: so you get to like at that principle from now

915
00:43:32,160 --> 00:43:35,600
Speaker 3: until September. That's pretty cool. If that excites you, then

916
00:43:35,640 --> 00:43:37,480
Speaker 3: go for it. But I'm also really glad that we're

917
00:43:37,480 --> 00:43:41,319
Speaker 3: talking about, Like, Okay, becoming debt free as soon as

918
00:43:41,320 --> 00:43:44,400
Speaker 3: possible sounds sexy and cool, but it does not have

919
00:43:44,520 --> 00:43:47,440
Speaker 3: to be the path that you want to pursue, especially

920
00:43:47,520 --> 00:43:49,560
Speaker 3: if it sounds like this person wants to lean into

921
00:43:50,360 --> 00:43:52,920
Speaker 3: having no kids, being done with their degrees and enjoying

922
00:43:52,920 --> 00:43:56,000
Speaker 3: their life. I know lots of people. Actually, my wonderful

923
00:43:56,040 --> 00:43:58,719
Speaker 3: business coach Kristen, she is one of the most. She

924
00:43:58,800 --> 00:44:02,040
Speaker 3: has an incredible net worth, she started many businesses. She's

925
00:44:02,080 --> 00:44:04,880
Speaker 3: so inspiring to me, and she's like, I have a

926
00:44:04,880 --> 00:44:07,040
Speaker 3: bunch of student loans that I haven't paid off because

927
00:44:07,080 --> 00:44:09,480
Speaker 3: to me, I wanted to me it was more worth

928
00:44:09,480 --> 00:44:13,160
Speaker 3: it to invest in these businesses and go on vacation

929
00:44:13,600 --> 00:44:15,680
Speaker 3: and treat my parents. I just wanted to do that

930
00:44:15,880 --> 00:44:18,560
Speaker 3: more than pay off my student loans. And that doesn't

931
00:44:18,600 --> 00:44:21,719
Speaker 3: bother me. I'm not shaming myself for it. Mathematically it

932
00:44:21,760 --> 00:44:25,280
Speaker 3: works out for me. And so there are many roads

933
00:44:25,280 --> 00:44:28,480
Speaker 3: to consider here, and especially because you don't have any dependents,

934
00:44:28,800 --> 00:44:30,920
Speaker 3: you can consider the like I don't have to be

935
00:44:31,000 --> 00:44:32,399
Speaker 3: dead free right now kind of.

936
00:44:32,400 --> 00:44:35,759
Speaker 1: Road and rub it in all of our parents, all

937
00:44:35,800 --> 00:44:37,640
Speaker 1: of the parents out there Rebden are bases. But you

938
00:44:37,680 --> 00:44:40,120
Speaker 1: can just do whatever you want, whenever you want. I

939
00:44:40,200 --> 00:44:42,200
Speaker 1: just took we took the baby to Atlanta this weekend.

940
00:44:42,239 --> 00:44:44,520
Speaker 1: It was a two day trip. I don't even know

941
00:44:44,560 --> 00:44:46,799
Speaker 1: how I have the brain cells to rub together to

942
00:44:46,880 --> 00:44:48,839
Speaker 1: even talk to you today, but I was like, I

943
00:44:48,920 --> 00:44:52,720
Speaker 1: will not miss Berna. It was so exhausting the days

944
00:44:52,960 --> 00:44:56,640
Speaker 1: of I remember loving Atlanta Hartsfield. Now I'm like, why

945
00:44:56,640 --> 00:45:01,080
Speaker 1: don't the elevators work? And I mean, at the end

946
00:45:01,080 --> 00:45:02,879
Speaker 1: of it, I felt like I had run a damn

947
00:45:02,960 --> 00:45:06,360
Speaker 1: marathon with that baby and the stroller and the stuff.

948
00:45:06,400 --> 00:45:10,200
Speaker 1: Oh my god, comes girl, travel till you carry on

949
00:45:10,280 --> 00:45:12,200
Speaker 1: and pack light exactly.

950
00:45:12,960 --> 00:45:15,520
Speaker 3: I have so much reverence for all my friends who

951
00:45:15,560 --> 00:45:19,479
Speaker 3: are parents because going, especially traveling basically leaving the house

952
00:45:19,520 --> 00:45:22,239
Speaker 3: with a young child is preparing for a marathon. The

953
00:45:22,280 --> 00:45:25,200
Speaker 3: travel itself is a marathon, and you again need to

954
00:45:25,200 --> 00:45:28,200
Speaker 3: give yourself three to five business days to recover from that.

955
00:45:28,200 --> 00:45:30,480
Speaker 3: Because I'm so glad that you're here and to be

956
00:45:30,480 --> 00:45:33,680
Speaker 3: like honored this time. But I'm like, exactly if for

957
00:45:33,880 --> 00:45:37,160
Speaker 3: the person who asks this question, you can afford to

958
00:45:37,200 --> 00:45:40,000
Speaker 3: indulge in like vacations or do things that take up

959
00:45:40,040 --> 00:45:42,760
Speaker 3: your energy without having to think about somebody else's energy,

960
00:45:43,080 --> 00:45:44,640
Speaker 3: Like you can do things with their money that makes

961
00:45:44,640 --> 00:45:47,239
Speaker 3: you feel free and you don't have to be debt

962
00:45:47,280 --> 00:45:50,080
Speaker 3: free to do it. So there's there's lots of options here.

963
00:45:50,640 --> 00:45:52,960
Speaker 1: Yeah. Absolutely, And I think Tiffany and I have gotten

964
00:45:52,960 --> 00:45:57,560
Speaker 1: more comfortable talking about what you mentioned investing in yourself,

965
00:45:57,840 --> 00:46:01,840
Speaker 1: you know, doing things that that maybe don't have immediate

966
00:46:01,880 --> 00:46:06,520
Speaker 1: returns now, but you know that will make you a

967
00:46:05,560 --> 00:46:08,920
Speaker 1: better a better person for your work as a social worker.

968
00:46:08,960 --> 00:46:10,239
Speaker 1: I mean, that's a field where you're going to be

969
00:46:10,239 --> 00:46:13,239
Speaker 1: pouring so much time and energy into other people. So

970
00:46:13,280 --> 00:46:15,000
Speaker 1: if you don't pour into yourself, you know, what are

971
00:46:15,000 --> 00:46:18,480
Speaker 1: you going to give them? And I want that for you.

972
00:46:18,520 --> 00:46:20,879
Speaker 1: I want you to be I have that work life

973
00:46:20,960 --> 00:46:23,839
Speaker 1: balance you know, or whatever your version of that is.

974
00:46:24,200 --> 00:46:26,440
Speaker 1: And as long as you're spending money for experiences or

975
00:46:26,480 --> 00:46:29,719
Speaker 1: things that you value, like f what anyone else cares

976
00:46:29,760 --> 00:46:31,920
Speaker 1: about if you want to spend all your money on

977
00:46:31,960 --> 00:46:35,840
Speaker 1: I don't know, Star Wars memorabilia or going and hiking

978
00:46:35,880 --> 00:46:39,160
Speaker 1: the PCT trail like Cheryl what's her face from that

979
00:46:39,200 --> 00:46:42,000
Speaker 1: book with the boots. I don't remember what it's called. Now, Yeah,

980
00:46:42,040 --> 00:46:45,000
Speaker 1: mild there you go, thank you, there you go. See

981
00:46:45,040 --> 00:46:47,520
Speaker 1: look at us, look at us. Just that that was

982
00:46:47,560 --> 00:46:50,319
Speaker 1: the layup. Thank you. Yeah. Just as long as you're

983
00:46:50,360 --> 00:46:52,680
Speaker 1: focusing on your values and spending your money on what's

984
00:46:52,719 --> 00:46:55,520
Speaker 1: important to you, I think that's the that's the north

985
00:46:55,560 --> 00:46:58,000
Speaker 1: star that a lot of people forget about, and that's

986
00:46:58,040 --> 00:47:00,120
Speaker 1: what gets them down the road of you know, know,

987
00:47:00,800 --> 00:47:02,600
Speaker 1: not to not to pick on burn up, but the

988
00:47:02,600 --> 00:47:06,319
Speaker 1: bottomless brunches or things that maybe seem okay in the

989
00:47:06,360 --> 00:47:09,440
Speaker 1: moment but don't really seed you, you know, long term.

990
00:47:09,640 --> 00:47:12,279
Speaker 3: Yes, absolutely, And I also really want to like, as

991
00:47:12,480 --> 00:47:15,360
Speaker 3: annoyingly people say in the Bay Area, double double click

992
00:47:15,640 --> 00:47:19,680
Speaker 3: on what you said, Mandy of we're talking to I know.

993
00:47:19,719 --> 00:47:21,400
Speaker 1: I need to showers probably.

994
00:47:23,040 --> 00:47:25,560
Speaker 3: The I literally have an iPhone note somewhere for my

995
00:47:25,640 --> 00:47:28,680
Speaker 3: Instagram days. Of all the annoying Silicon Valley ship people

996
00:47:28,760 --> 00:47:30,080
Speaker 3: said all the time, one of them was like, I

997
00:47:30,080 --> 00:47:32,880
Speaker 3: want to double click on what you just said. And

998
00:47:32,920 --> 00:47:35,080
Speaker 3: that's one of those. So if forever in.

999
00:47:34,960 --> 00:47:37,440
Speaker 1: A comedy so quick say oh, highlight.

1000
00:47:37,320 --> 00:47:38,799
Speaker 3: It's like a highlight. It's like, let me just double

1001
00:47:39,160 --> 00:47:40,799
Speaker 3: let me Oh my god, I almost use that one

1002
00:47:40,800 --> 00:47:42,759
Speaker 3: with another double down double click, like I want to

1003
00:47:42,840 --> 00:47:46,480
Speaker 3: zoom in when you just fum. Yeah, if you're ever

1004
00:47:46,719 --> 00:47:49,160
Speaker 3: in a comedy situation and want to make fun of

1005
00:47:49,160 --> 00:47:51,960
Speaker 3: people from the Bay Area Silicon Valley butt faces from

1006
00:47:51,960 --> 00:47:54,360
Speaker 3: the Bay Area, you can say double click, so on

1007
00:47:54,440 --> 00:47:57,000
Speaker 3: a zug click on what you said, Mandy, which is

1008
00:47:57,040 --> 00:48:00,520
Speaker 3: we're talking to a social worker. This is a person who,

1009
00:48:00,640 --> 00:48:03,520
Speaker 3: like shout out to all social work folks, you pour

1010
00:48:03,600 --> 00:48:05,839
Speaker 3: yourself into your job in such a different way than

1011
00:48:05,880 --> 00:48:09,840
Speaker 3: other people. Self care and like decadence and luxury, whatever

1012
00:48:09,880 --> 00:48:12,719
Speaker 3: that means to you is so important and not just

1013
00:48:12,800 --> 00:48:17,440
Speaker 3: like one big splurgy thing a year, but like consistent monthly,

1014
00:48:18,160 --> 00:48:21,160
Speaker 3: like always meeting yourself there self care because from what

1015
00:48:21,200 --> 00:48:22,759
Speaker 3: I understand from social work, I used to work at

1016
00:48:22,760 --> 00:48:25,040
Speaker 3: the YNCA for about four years and worked with social

1017
00:48:25,080 --> 00:48:29,000
Speaker 3: workers very closely. Y'all deserve so much and not self

1018
00:48:29,040 --> 00:48:32,520
Speaker 3: care with like capital S, capital C, face masks and whatever,

1019
00:48:32,600 --> 00:48:35,200
Speaker 3: but like, I want you to almost have like a

1020
00:48:35,239 --> 00:48:38,719
Speaker 3: self care budget for yourself because social work is pouring

1021
00:48:38,800 --> 00:48:41,680
Speaker 3: out and if your money is not going to be

1022
00:48:41,800 --> 00:48:44,200
Speaker 3: used towards things that fill your cup and as a

1023
00:48:44,200 --> 00:48:46,279
Speaker 3: social worker, your cup gets emptied a lot more, I

1024
00:48:46,280 --> 00:48:48,319
Speaker 3: think than many other folks. And like, what's the money

1025
00:48:48,400 --> 00:48:51,319
Speaker 3: for so? And I hope you lean into that as

1026
00:48:51,360 --> 00:48:52,120
Speaker 3: soon as possible.

1027
00:48:52,719 --> 00:48:55,080
Speaker 1: I love that. I hope that was helpful, Shanika, and

1028
00:48:55,120 --> 00:48:58,359
Speaker 1: thank you again for your lovely question and all the love.

1029
00:48:58,880 --> 00:49:01,719
Speaker 1: Wish you the best. All right, let's take one mo

1030
00:49:01,960 --> 00:49:05,520
Speaker 1: question from our audience. If I can find the dang tab.

1031
00:49:05,719 --> 00:49:08,600
Speaker 1: All right, here's a cool question, interesting question, not maybe

1032
00:49:08,600 --> 00:49:10,680
Speaker 1: the sexiest on its face, but I do feel like

1033
00:49:10,760 --> 00:49:13,560
Speaker 1: we constantly This is the question that it probably took

1034
00:49:13,560 --> 00:49:15,600
Speaker 1: me a good five years into my career before I

1035
00:49:15,640 --> 00:49:18,160
Speaker 1: had I could finally stop having to google it to

1036
00:49:18,200 --> 00:49:21,319
Speaker 1: remember what the damn difference was. Those question is from

1037
00:49:21,480 --> 00:49:23,960
Speaker 1: someone who liked to remain anonymous. They work at a

1038
00:49:24,040 --> 00:49:27,359
Speaker 1: university that we won't name out of interest of keeping her,

1039
00:49:27,600 --> 00:49:30,879
Speaker 1: you know, anonymous, but she asks, I was recently hired

1040
00:49:30,880 --> 00:49:33,239
Speaker 1: at a university, and I'm trying to determine if it's

1041
00:49:33,239 --> 00:49:35,880
Speaker 1: better for my future self to have money taken out

1042
00:49:35,920 --> 00:49:37,799
Speaker 1: of my paycheck and put into my four oh one

1043
00:49:37,840 --> 00:49:41,279
Speaker 1: K pre tax or after tax. Wouldn't I have a

1044
00:49:41,320 --> 00:49:46,280
Speaker 1: tax advantage if it's taken from my paycheck after tax. Listen,

1045
00:49:46,840 --> 00:49:50,160
Speaker 1: there's not really a wrong answer here, and I do so,

1046
00:49:50,200 --> 00:49:53,160
Speaker 1: and I and I this is a specific question that

1047
00:49:53,200 --> 00:49:55,799
Speaker 1: I definitely think you know it's worth talking to a

1048
00:49:55,840 --> 00:49:59,360
Speaker 1: the only financial planner about because it's never just about

1049
00:49:59,400 --> 00:50:01,560
Speaker 1: your four to one K or in your case, you

1050
00:50:01,600 --> 00:50:04,719
Speaker 1: probably have an educator account which is like a four

1051
00:50:04,840 --> 00:50:08,040
Speaker 1: or three B but still similar, so you probably wantn't

1052
00:50:08,040 --> 00:50:10,839
Speaker 1: get more personalized advice than this. But just to break

1053
00:50:10,880 --> 00:50:13,359
Speaker 1: it down, you know, when you contribute to a traditional

1054
00:50:13,480 --> 00:50:15,719
Speaker 1: four to one K or traditional IRA or sorry, a

1055
00:50:15,760 --> 00:50:18,400
Speaker 1: four to one K, you're putting dollars in pre tax,

1056
00:50:18,440 --> 00:50:20,399
Speaker 1: which means you put the money in and you don't

1057
00:50:20,400 --> 00:50:22,160
Speaker 1: get tax until you take it out when you're old

1058
00:50:22,160 --> 00:50:25,120
Speaker 1: and gray or hopefully not so old and gray in retirement.

1059
00:50:25,520 --> 00:50:27,919
Speaker 1: And the benefit there is that your money grows tax free.

1060
00:50:27,960 --> 00:50:30,200
Speaker 1: It's it's wonderful. It's an incentive to get people to

1061
00:50:30,239 --> 00:50:33,839
Speaker 1: put money away for retirement. The WROTH four one K

1062
00:50:34,320 --> 00:50:37,600
Speaker 1: is different in the sense that you pay taxes upfront,

1063
00:50:38,120 --> 00:50:42,160
Speaker 1: and typically what some financial advisors will say is this

1064
00:50:42,200 --> 00:50:44,560
Speaker 1: is also a tax benefit. It's just a little bit

1065
00:50:44,560 --> 00:50:48,359
Speaker 1: more indirect because you're paying taxes now. Let's say you're

1066
00:50:48,360 --> 00:50:50,640
Speaker 1: earning a lower income today than you plan to be

1067
00:50:50,680 --> 00:50:53,359
Speaker 1: earning later when you get to retirement age. You could

1068
00:50:53,400 --> 00:50:56,120
Speaker 1: be saving money by paying your lower tax rate now

1069
00:50:56,520 --> 00:51:00,600
Speaker 1: than when you start withdrawing from your funds later. Benefit

1070
00:51:00,640 --> 00:51:03,080
Speaker 1: that I think is overlooked. What the ROTH is that

1071
00:51:03,120 --> 00:51:06,240
Speaker 1: you can actually withdraw your contributions, so it's not actually

1072
00:51:06,320 --> 00:51:10,120
Speaker 1: as tied up as a traditional retirement account. Where Like

1073
00:51:10,160 --> 00:51:12,719
Speaker 1: if you take an early withdrawal and it's just to

1074
00:51:12,760 --> 00:51:15,640
Speaker 1: you know, pay for something or to pay off some debt,

1075
00:51:16,080 --> 00:51:18,680
Speaker 1: it can be tax penalties that you have to pay

1076
00:51:19,000 --> 00:51:21,200
Speaker 1: and then income tax on top of that on what

1077
00:51:21,239 --> 00:51:23,799
Speaker 1: you withdraw with a ROTH. Like let's say you put

1078
00:51:23,800 --> 00:51:26,960
Speaker 1: in five thousand dollars over a couple of years you

1079
00:51:27,000 --> 00:51:30,440
Speaker 1: want to and you've gained you know, two thousand dollars

1080
00:51:30,480 --> 00:51:32,400
Speaker 1: on that five K. So you've got seven k in

1081
00:51:32,440 --> 00:51:35,279
Speaker 1: there right now, you could arguably go in there and

1082
00:51:35,320 --> 00:51:38,440
Speaker 1: withdraw some of that principal amount, that five thousand that

1083
00:51:38,480 --> 00:51:42,839
Speaker 1: you put in and pocket that without the penalties of

1084
00:51:42,880 --> 00:51:46,200
Speaker 1: a traditional four to one k. But now that we

1085
00:51:46,280 --> 00:51:51,320
Speaker 1: got all that like jargonique goodness, mum out of the way,

1086
00:51:51,560 --> 00:51:53,360
Speaker 1: burna talk to me about I mean, this is like

1087
00:51:53,400 --> 00:51:56,120
Speaker 1: a common This is like a common you know, one

1088
00:51:56,160 --> 00:51:58,680
Speaker 1: of the first adulting type decisions that happen when you

1089
00:51:58,680 --> 00:52:02,160
Speaker 1: get a new job. For me, I was so like

1090
00:52:02,520 --> 00:52:04,719
Speaker 1: ignorant about all this mess. I had a four oh

1091
00:52:04,760 --> 00:52:06,759
Speaker 1: one K match at my first job. I was there

1092
00:52:06,760 --> 00:52:09,319
Speaker 1: for fifteen months, never opened, never put a dime in it,

1093
00:52:09,920 --> 00:52:12,759
Speaker 1: left all the money on the table. It'd be fair.

1094
00:52:12,800 --> 00:52:15,040
Speaker 1: I had no dimes to put in there. But sure,

1095
00:52:15,080 --> 00:52:16,600
Speaker 1: what was what was it like for you when you

1096
00:52:16,640 --> 00:52:19,400
Speaker 1: started to you know, you went from freelancing to like,

1097
00:52:19,440 --> 00:52:22,120
Speaker 1: oh benefits like a four toh one k. What was

1098
00:52:22,120 --> 00:52:23,640
Speaker 1: that like for you and how did you decide?

1099
00:52:24,000 --> 00:52:26,840
Speaker 3: Yes, actually trying to figure out what in the gd

1100
00:52:27,000 --> 00:52:29,040
Speaker 3: hell as a four oh one K was one of

1101
00:52:29,040 --> 00:52:34,360
Speaker 3: my first financial kind of Google entries. Ever, when I

1102
00:52:34,440 --> 00:52:36,680
Speaker 3: you know, like you said, we go through HR and

1103
00:52:36,680 --> 00:52:38,839
Speaker 3: the orientation, they're like, here's your four oh one K

1104
00:52:39,400 --> 00:52:41,080
Speaker 3: before you could even ask, like why is it even

1105
00:52:41,160 --> 00:52:42,920
Speaker 3: named before oh one? And they're like, come onto the

1106
00:52:42,960 --> 00:52:44,960
Speaker 3: next and then they're like, we can't give you advice

1107
00:52:45,080 --> 00:52:46,960
Speaker 3: or HR. We're not a financial so you get very

1108
00:52:46,960 --> 00:52:49,840
Speaker 3: little answers in the first place. It was amazing to

1109
00:52:49,920 --> 00:52:54,680
Speaker 3: find out through Googles, not the HR representatives, which typically

1110
00:52:54,840 --> 00:52:56,400
Speaker 3: they should be more helpful, but a lot of the

1111
00:52:56,400 --> 00:52:58,600
Speaker 3: times they are not. It was amazing to find out

1112
00:52:58,600 --> 00:53:01,200
Speaker 3: that for a lot of young people, especially in your

1113
00:53:01,440 --> 00:53:04,520
Speaker 3: very first jobs, your four oh one K is like

1114
00:53:04,560 --> 00:53:07,160
Speaker 3: the first time you're actually your money is getting invested,

1115
00:53:07,239 --> 00:53:10,799
Speaker 3: often invested for you, and you have no idea. Like

1116
00:53:10,840 --> 00:53:13,160
Speaker 3: it was many months into my job, like you said, Mandy,

1117
00:53:13,480 --> 00:53:15,719
Speaker 3: when I realized that money was being taken out for

1118
00:53:15,800 --> 00:53:18,480
Speaker 3: my four oh one K for my paychecks and things

1119
00:53:18,480 --> 00:53:21,000
Speaker 3: were happening to it. I guess I had like blacked

1120
00:53:21,040 --> 00:53:24,719
Speaker 3: out and signed papers when I enduring orientation, agreeing to

1121
00:53:24,800 --> 00:53:27,840
Speaker 3: something and I didn't understand it until many months afterwards,

1122
00:53:27,840 --> 00:53:30,280
Speaker 3: and like couldn't actually change things. So it was amazing

1123
00:53:30,320 --> 00:53:33,120
Speaker 3: to find out that first of all, money won, money

1124
00:53:33,160 --> 00:53:36,080
Speaker 3: was already being taken out of my paycheck, what without

1125
00:53:36,160 --> 00:53:39,520
Speaker 3: my maybe like kind of unconsensually, without my understanding of

1126
00:53:39,560 --> 00:53:42,959
Speaker 3: how it happened. Two, I learned about what you just said,

1127
00:53:43,200 --> 00:53:46,240
Speaker 3: four oh one K matching. My company was a company

1128
00:53:46,239 --> 00:53:48,160
Speaker 3: that does that. They did four oh one K matching,

1129
00:53:48,200 --> 00:53:51,000
Speaker 3: which meant when I put certain amount of money into

1130
00:53:51,000 --> 00:53:53,240
Speaker 3: my four oh one K, my company was like, cool,

1131
00:53:53,400 --> 00:53:55,560
Speaker 3: me too, Simon says, I'm going to do the same thing.

1132
00:53:55,880 --> 00:53:58,359
Speaker 3: Up to a certain degree. We love to say as

1133
00:53:58,440 --> 00:54:03,200
Speaker 3: financial you know, mouth holes, that's free money. That's money

1134
00:54:03,200 --> 00:54:06,080
Speaker 3: on the table, right, I give money, and you're I move.

1135
00:54:06,120 --> 00:54:08,520
Speaker 3: You move like Ludacris, I move the money. And then

1136
00:54:08,520 --> 00:54:10,520
Speaker 3: the company says me too, I'm move the money. So

1137
00:54:10,600 --> 00:54:13,200
Speaker 3: that was amazing to find out. And then you get

1138
00:54:13,239 --> 00:54:15,680
Speaker 3: into the Okay, so what's the difference between a four

1139
00:54:15,719 --> 00:54:18,160
Speaker 3: and when K and ira you learn about all the

1140
00:54:18,200 --> 00:54:20,600
Speaker 3: things that man you just said about, like the tax differences.

1141
00:54:21,080 --> 00:54:24,160
Speaker 3: That's around when even if, like if you had held

1142
00:54:24,200 --> 00:54:27,040
Speaker 3: on to this point of like trying to learn, that's

1143
00:54:27,080 --> 00:54:29,120
Speaker 3: around when people's brains.

1144
00:54:28,760 --> 00:54:30,960
Speaker 4: Start to tune out and it starts to.

1145
00:54:30,920 --> 00:54:34,440
Speaker 3: The butterfly out the window, gonna go get lunch, but

1146
00:54:34,800 --> 00:54:38,359
Speaker 3: they are really important differences when you're kind of looking

1147
00:54:38,360 --> 00:54:40,120
Speaker 3: at things. But I think the most important thing is

1148
00:54:40,560 --> 00:54:45,080
Speaker 3: whichever path you choose. Sit yourself or an HR representative

1149
00:54:45,200 --> 00:54:48,279
Speaker 3: or if financial advisor down until you and like ask

1150
00:54:48,320 --> 00:54:51,600
Speaker 3: all the questions until you fully understand the differences between

1151
00:54:51,640 --> 00:54:54,239
Speaker 3: the two. Don't go blindly into it like me and

1152
00:54:54,280 --> 00:54:55,279
Speaker 3: be like, it looks like the.

1153
00:54:55,200 --> 00:54:58,040
Speaker 6: Guy to my left, just check the box and and

1154
00:54:58,080 --> 00:55:01,080
Speaker 6: so it makes it that like I literally left money

1155
00:55:01,120 --> 00:55:02,839
Speaker 6: on the table for the first year, I left free

1156
00:55:02,920 --> 00:55:05,560
Speaker 6: money out of my own damn retirement account for the

1157
00:55:05,600 --> 00:55:07,960
Speaker 6: first year because I was just blindly following.

1158
00:55:08,080 --> 00:55:11,400
Speaker 3: There's so much pressure in the process. Don't be afraid

1159
00:55:11,440 --> 00:55:13,760
Speaker 3: to sit down and like, ask all the damn questions,

1160
00:55:13,760 --> 00:55:16,640
Speaker 3: google all every single phrase, every single thing that you

1161
00:55:16,719 --> 00:55:19,799
Speaker 3: can so that you understand both ways. And like Mandy

1162
00:55:19,920 --> 00:55:23,239
Speaker 3: was saying, it's not like there's a major, giant, like

1163
00:55:23,360 --> 00:55:26,319
Speaker 3: big mistake difference between the two. Honestly, I don't think

1164
00:55:26,320 --> 00:55:28,640
Speaker 3: there really is. It's especially when it say first sort

1165
00:55:28,680 --> 00:55:31,560
Speaker 3: of investing foray, but understand the crap out of it.

1166
00:55:31,560 --> 00:55:33,319
Speaker 3: You really you deserve to understand the crap out of

1167
00:55:33,320 --> 00:55:37,320
Speaker 3: everything happening to every dollar and it's tiring. But until

1168
00:55:37,400 --> 00:55:40,200
Speaker 3: a retirement expert comes in and starts doing a dance

1169
00:55:40,320 --> 00:55:43,680
Speaker 3: at every like orientation, this is how we got to

1170
00:55:43,719 --> 00:55:45,000
Speaker 3: do it, it'll be me.

1171
00:55:46,360 --> 00:55:48,840
Speaker 1: I mean, I think they paid big, big dollars for

1172
00:55:48,880 --> 00:55:51,160
Speaker 1: you to come tell their employees about their benefits, which

1173
00:55:51,200 --> 00:55:53,160
Speaker 1: is one of the incentives to keep them there. I

1174
00:55:53,160 --> 00:55:56,160
Speaker 1: don't know why companies. I mean literally at previous job

1175
00:55:56,200 --> 00:55:59,520
Speaker 1: when one of the benefits was rsu's restricted stock units

1176
00:55:59,560 --> 00:56:02,440
Speaker 1: literally stock in the company, and I had a staff

1177
00:56:02,480 --> 00:56:04,759
Speaker 1: of young people who had never so much as heard

1178
00:56:04,760 --> 00:56:06,839
Speaker 1: of an RSU before, and I'd have to do their

1179
00:56:06,840 --> 00:56:09,480
Speaker 1: performance reviews and be like, oh, and you're gonna get,

1180
00:56:09,480 --> 00:56:12,400
Speaker 1: you know, five thousand dollars worth of RSUs and they

1181
00:56:12,440 --> 00:56:14,600
Speaker 1: would have these blank stares, and finally I was like,

1182
00:56:15,360 --> 00:56:18,399
Speaker 1: do you know what this is? No, or they would

1183
00:56:18,400 --> 00:56:20,600
Speaker 1: say yeah, yeah, yeah, yeah, yeah, uh it's like the thing,

1184
00:56:20,640 --> 00:56:22,319
Speaker 1: you know, and I'm like, no, here's what it is,

1185
00:56:22,360 --> 00:56:24,280
Speaker 1: and then their eyes would get why. They're like, whoa,

1186
00:56:24,480 --> 00:56:27,600
Speaker 1: this is great, this is great, but you don't know

1187
00:56:27,680 --> 00:56:29,759
Speaker 1: until you ask those questions. So, and a lot of

1188
00:56:29,800 --> 00:56:31,960
Speaker 1: people aren't like me. They don't have time, you know,

1189
00:56:31,960 --> 00:56:34,520
Speaker 1: they don't take the time, so definitely has.

1190
00:56:34,840 --> 00:56:36,480
Speaker 3: I was going to say, they're lucky to have an

1191
00:56:36,480 --> 00:56:38,520
Speaker 3: employer that's like, let me tell you exactly what it is,

1192
00:56:38,560 --> 00:56:40,960
Speaker 3: because I remember learning about RSUs in my former job

1193
00:56:40,960 --> 00:56:43,400
Speaker 3: too and being like, this is a huge tech company

1194
00:56:43,560 --> 00:56:45,640
Speaker 3: with so many resources. I can't believe I have to

1195
00:56:45,719 --> 00:56:48,400
Speaker 3: google this shiz on my own to find out that

1196
00:56:48,400 --> 00:56:51,400
Speaker 3: I'm being given equity in the company. But the equity

1197
00:56:51,440 --> 00:56:53,560
Speaker 3: works like this, It's got all these rules. It's like,

1198
00:56:54,080 --> 00:56:56,640
Speaker 3: bless you and every other employer that actually looks out

1199
00:56:56,640 --> 00:56:58,240
Speaker 3: for the young people like that. That's beautiful.

1200
00:56:58,360 --> 00:57:01,719
Speaker 1: That's where you're saying, you know how, what is it?

1201
00:57:01,760 --> 00:57:04,640
Speaker 1: What is Hella? The personal finance world is Hella mail Hellapale,

1202
00:57:04,680 --> 00:57:08,080
Speaker 1: Hella Stale, he Staleyah love it. That is true of

1203
00:57:08,160 --> 00:57:10,840
Speaker 1: businesses too. It's really the structure is built for I

1204
00:57:10,840 --> 00:57:12,759
Speaker 1: think people who don't need to have us sit down

1205
00:57:12,760 --> 00:57:15,160
Speaker 1: and talk about RSUs because their uncle or their father

1206
00:57:15,280 --> 00:57:18,560
Speaker 1: or their mother, you know, their mentor tells them those

1207
00:57:18,560 --> 00:57:20,880
Speaker 1: types of things. But a lot of folks, especially brown

1208
00:57:20,920 --> 00:57:23,920
Speaker 1: and black black people, women, you know, we don't go

1209
00:57:24,080 --> 00:57:27,080
Speaker 1: into the corporate world with those extra benefits and those

1210
00:57:27,680 --> 00:57:30,480
Speaker 1: you know, advisors and little evil parrots on our shoulders

1211
00:57:30,520 --> 00:57:32,200
Speaker 1: to tell us these types of things that we have

1212
00:57:32,280 --> 00:57:34,720
Speaker 1: to seek it out for ourselves, and companies need to

1213
00:57:34,720 --> 00:57:36,720
Speaker 1: do the extra work to do all that. But now

1214
00:57:36,720 --> 00:57:39,440
Speaker 1: I'm on my soapbox now about one of my favorite subjects,

1215
00:57:39,480 --> 00:57:41,920
Speaker 1: which is how businesses fail their employees.

1216
00:57:43,040 --> 00:57:44,680
Speaker 3: I love that subscribe.

1217
00:57:45,120 --> 00:57:46,480
Speaker 1: Yeah, but I do want to say thank you to

1218
00:57:46,560 --> 00:57:49,080
Speaker 1: this question and just to take it home. The only

1219
00:57:49,120 --> 00:57:51,840
Speaker 1: bad decision here is to not invest, to not say

1220
00:57:51,920 --> 00:57:54,200
Speaker 1: for retirement. That's the only bad decision you can make.

1221
00:57:54,520 --> 00:57:57,800
Speaker 1: And also, you know, to your point burnet about getting knowledge.

1222
00:57:57,960 --> 00:57:59,680
Speaker 1: For me, the best thing I did at twenty four

1223
00:57:59,800 --> 00:58:01,960
Speaker 1: was just start saving before I even knew everything I

1224
00:58:02,000 --> 00:58:05,640
Speaker 1: thought I needed to know. I just did the easiest option,

1225
00:58:05,800 --> 00:58:09,160
Speaker 1: you know, check the box for automatic withdrawals into a

1226
00:58:09,200 --> 00:58:11,760
Speaker 1: target date fund. And then I was like, cool, you're cute.

1227
00:58:11,800 --> 00:58:13,640
Speaker 1: I'll come back to you when I'm ready to dive

1228
00:58:13,680 --> 00:58:15,600
Speaker 1: in more and do more things. And that was the

1229
00:58:15,640 --> 00:58:18,080
Speaker 1: smartest decision I ever made, putting me on my path

1230
00:58:18,120 --> 00:58:21,240
Speaker 1: to a tenfold increase in my net worth over the

1231
00:58:21,240 --> 00:58:24,840
Speaker 1: past you know decades, and I huge. Yeah, And I

1232
00:58:24,880 --> 00:58:27,640
Speaker 1: just don't want people to hold themselves back because they

1233
00:58:27,680 --> 00:58:29,880
Speaker 1: don't think that they know enough. There are some small

1234
00:58:29,920 --> 00:58:32,520
Speaker 1: steps you can take today that will put you on

1235
00:58:32,560 --> 00:58:34,800
Speaker 1: the right path, and you'll, you know, you'll accrue that

1236
00:58:34,840 --> 00:58:38,360
Speaker 1: knowledge over time. Just don't wait until you're you know,

1237
00:58:38,440 --> 00:58:40,400
Speaker 1: you can recite, and don't wait until you have to

1238
00:58:40,440 --> 00:58:44,360
Speaker 1: stop googling the different terms. I still google sometimes me too,

1239
00:58:45,320 --> 00:58:46,080
Speaker 1: all the time.

1240
00:58:46,400 --> 00:58:47,000
Speaker 2: It's fine.

1241
00:58:47,080 --> 00:58:50,280
Speaker 3: I mean, we aren't like raised with these pockets of

1242
00:58:50,320 --> 00:58:52,560
Speaker 3: knowledge in our heads, and so we have to keep relearning.

1243
00:58:52,600 --> 00:58:54,280
Speaker 3: We have to keep shoving them intoor heads because it

1244
00:58:54,280 --> 00:58:57,600
Speaker 3: doesn't come naturally to so many of us. And I

1245
00:58:57,960 --> 00:59:00,760
Speaker 3: love to also tell young folks like you have something

1246
00:59:00,960 --> 00:59:05,240
Speaker 3: that every older hella male pailstale investor wishes they had,

1247
00:59:05,520 --> 00:59:09,680
Speaker 3: and that's time. It's time you have that freakin' in

1248
00:59:10,840 --> 00:59:13,000
Speaker 3: bags all all around you. And that's the most important

1249
00:59:13,000 --> 00:59:16,520
Speaker 3: thing for retirement investing specifically. So just get her done,

1250
00:59:16,720 --> 00:59:18,520
Speaker 3: Just get her done in any which way, and confuse

1251
00:59:18,520 --> 00:59:21,240
Speaker 3: yourself with the terms once there's already money in the pot.

1252
00:59:22,040 --> 00:59:23,640
Speaker 1: I love that. All right, Well, thank you all so

1253
00:59:23,760 --> 00:59:26,240
Speaker 1: much for your questions. Thank you Bernard for being my

1254
00:59:26,240 --> 01:00:01,160
Speaker 1: my copilot on the question segment. All right, well, let's

1255
01:00:01,200 --> 01:00:04,720
Speaker 1: get into this is a big moment for Berna. How

1256
01:00:04,760 --> 01:00:05,440
Speaker 1: does Tidy do this?

1257
01:00:05,560 --> 01:00:05,640
Speaker 5: Now?

1258
01:00:05,680 --> 01:00:08,840
Speaker 1: I'm forgetting Brown Boost Brown Break Brown, But no, that's

1259
01:00:08,840 --> 01:00:09,160
Speaker 1: not it.

1260
01:00:09,680 --> 01:00:12,360
Speaker 3: Are you going to have like a like a Mickey

1261
01:00:12,400 --> 01:00:14,640
Speaker 3: Mouse Club? Oh yeah, Ti remember that?

1262
01:00:15,160 --> 01:00:17,200
Speaker 1: And it always ends up. It's kind of like Eenie

1263
01:00:17,200 --> 01:00:21,160
Speaker 1: Meani Mi Nemo. Her Brown Break intros always end up

1264
01:00:21,200 --> 01:00:24,000
Speaker 1: making nego first, no matter what it is. The last

1265
01:00:24,480 --> 01:00:26,920
Speaker 1: says no, it's fine. I'm just like the stat the

1266
01:00:26,960 --> 01:00:30,440
Speaker 1: cars are stacked against me. I'm not always prepared. But

1267
01:00:31,000 --> 01:00:33,080
Speaker 1: what would you like to do? Are you gonna boost

1268
01:00:33,240 --> 01:00:34,480
Speaker 1: or are you going to break? My friend?

1269
01:00:35,640 --> 01:00:37,560
Speaker 3: Oh boy, let's see. Am I going to boost? Am

1270
01:00:37,600 --> 01:00:40,200
Speaker 3: I going to break? I think I'm going to boost?

1271
01:00:40,800 --> 01:00:42,520
Speaker 1: Okay, keep it body to boost.

1272
01:00:42,520 --> 01:00:44,520
Speaker 3: I'm gonna keep it a pozzy because I'm in my

1273
01:00:44,560 --> 01:00:47,280
Speaker 3: book cave, and like we were talking about before we

1274
01:00:47,320 --> 01:00:50,440
Speaker 3: started recording, being in a book cave means I'm extremely

1275
01:00:50,480 --> 01:00:54,680
Speaker 3: selective about the things that come into my eyeballs and

1276
01:00:54,680 --> 01:00:57,200
Speaker 3: and scroll past my screen, and so I'm trying to

1277
01:00:57,280 --> 01:00:58,920
Speaker 3: keep it pousey for the book. You know, give give

1278
01:00:58,960 --> 01:01:01,720
Speaker 3: the book pozzy vibes. I think I want to give

1279
01:01:01,960 --> 01:01:08,240
Speaker 3: a boost to the idea of community so this is cheesy.

1280
01:01:08,280 --> 01:01:09,960
Speaker 3: We talked about like my heal, healthful community and all

1281
01:01:09,960 --> 01:01:13,040
Speaker 3: that stuff. What I'm talking about is, today I'm thinking

1282
01:01:13,040 --> 01:01:17,400
Speaker 3: about the fact that creating this book requires a community.

1283
01:01:17,440 --> 01:01:19,800
Speaker 3: It'll probably be just my name on the cover, but

1284
01:01:19,880 --> 01:01:21,880
Speaker 3: I'm thinking about, like I said, my business coach who's

1285
01:01:21,880 --> 01:01:23,800
Speaker 3: a woman of color that supports me every single day.

1286
01:01:24,000 --> 01:01:25,880
Speaker 3: My agent, who's a woman of color supports me every

1287
01:01:25,880 --> 01:01:28,880
Speaker 3: single day. I have a small group of like mastermind

1288
01:01:28,920 --> 01:01:32,040
Speaker 3: other financial creators who I like bounce questions off of.

1289
01:01:32,640 --> 01:01:36,120
Speaker 3: I'm asking my audience all the time of like opinions

1290
01:01:36,160 --> 01:01:40,040
Speaker 3: and things. I'm constantly texting my three teenage nieces. Is

1291
01:01:40,080 --> 01:01:43,360
Speaker 3: this stupid? Is this lame? If I had to compare

1292
01:01:43,400 --> 01:01:46,000
Speaker 3: stocks to like an anime character, which one would it be.

1293
01:01:46,560 --> 01:01:50,680
Speaker 3: I'm just thinking about the fact that nothing good happens

1294
01:01:51,240 --> 01:01:53,960
Speaker 3: as like in a silo in a cylinder by yourself.

1295
01:01:54,040 --> 01:01:56,120
Speaker 3: In my life, all the most wonderful things have happened

1296
01:01:56,440 --> 01:01:59,760
Speaker 3: because other specifically black and brown women have reached down

1297
01:02:00,160 --> 01:02:02,720
Speaker 3: up across to me, pulled me up a ladder, pulled

1298
01:02:02,720 --> 01:02:05,760
Speaker 3: me into their arms, pulled me into their mastermind, lued

1299
01:02:05,800 --> 01:02:09,160
Speaker 3: me into an email, including you, Mandy pulled me into

1300
01:02:09,200 --> 01:02:12,520
Speaker 3: this and made me feel like community is a thing

1301
01:02:12,560 --> 01:02:14,240
Speaker 3: that makes all these things worth it. And so I

1302
01:02:14,280 --> 01:02:16,680
Speaker 3: just want to I want to boost to everybody who's

1303
01:02:16,840 --> 01:02:19,560
Speaker 3: reached out to a fellow black end or brown person,

1304
01:02:19,640 --> 01:02:21,920
Speaker 3: especially a woman, and said, let me bring you into

1305
01:02:22,000 --> 01:02:24,320
Speaker 3: this mix because your name deserves to be on this table,

1306
01:02:24,720 --> 01:02:27,480
Speaker 3: or let me make sure that you know I add

1307
01:02:27,480 --> 01:02:29,800
Speaker 3: your handle to this list of creators that needs to

1308
01:02:29,800 --> 01:02:31,960
Speaker 3: be considered for this thing. That's just what I'm thinking

1309
01:02:32,000 --> 01:02:34,040
Speaker 3: about today. So I'm grateful for all the people that

1310
01:02:34,080 --> 01:02:36,040
Speaker 3: know how to reach out and around and bring people in.

1311
01:02:36,800 --> 01:02:39,919
Speaker 1: I love that that's everything that Brown ambition stands for, right.

1312
01:02:39,960 --> 01:02:42,080
Speaker 1: I mean, that's the reason we started this podcast. It's

1313
01:02:42,080 --> 01:02:44,360
Speaker 1: probably the reason you started. Hey, Berna and Hella helpful

1314
01:02:45,080 --> 01:02:47,960
Speaker 1: and thank you too, because it takes a village, and

1315
01:02:48,040 --> 01:02:50,800
Speaker 1: we all have our little villages and it doesn't serve

1316
01:02:50,840 --> 01:02:53,640
Speaker 1: anybody to think that you can do it alone. That

1317
01:02:53,760 --> 01:02:58,760
Speaker 1: just leads to agony and pain and stress and anxiety.

1318
01:02:58,840 --> 01:03:00,000
Speaker 1: You need to like share the burden.

1319
01:03:00,840 --> 01:03:02,920
Speaker 3: Yes, one hundred percent. I'm always trying to think of

1320
01:03:02,960 --> 01:03:06,040
Speaker 3: the fact that you know, my own ancestors, again being Filipino,

1321
01:03:06,360 --> 01:03:08,680
Speaker 3: they did so many more things in community than as

1322
01:03:08,840 --> 01:03:12,360
Speaker 3: an individual, and I'm trying to keep that while I'm

1323
01:03:12,400 --> 01:03:15,320
Speaker 3: creating these things that feel very individual a book, you know,

1324
01:03:15,440 --> 01:03:17,720
Speaker 3: other projects and stuff like that. And like my ancestors

1325
01:03:18,000 --> 01:03:20,080
Speaker 3: raw shit out in community, and I think they had it,

1326
01:03:20,440 --> 01:03:23,800
Speaker 3: they had it right as opposed to this American individualistic

1327
01:03:24,200 --> 01:03:27,600
Speaker 3: colonizer bs bust out, bust out.

1328
01:03:28,280 --> 01:03:30,080
Speaker 1: I love that. Well, thank you. I'm so glad to

1329
01:03:30,160 --> 01:03:32,600
Speaker 1: be I consider myself I've pushed as much as you

1330
01:03:32,600 --> 01:03:34,200
Speaker 1: think I pulled you in. I'm just put I'm just

1331
01:03:34,240 --> 01:03:38,400
Speaker 1: inserting myself into your orbit because I need more of this.

1332
01:03:38,480 --> 01:03:41,040
Speaker 1: This is what I've been missing. It's just conversations with

1333
01:03:41,640 --> 01:03:44,600
Speaker 1: other creators, other people passionate about the same thing I am,

1334
01:03:44,600 --> 01:03:47,720
Speaker 1: and other people with unique voices. And this isn't technically

1335
01:03:47,800 --> 01:03:49,919
Speaker 1: my boost, but I do want to boost a very

1336
01:03:50,480 --> 01:03:53,600
Speaker 1: moving message that you posted an IG I think a

1337
01:03:53,640 --> 01:03:56,160
Speaker 1: few months ago, and it was maybe the peak of

1338
01:03:56,360 --> 01:04:01,960
Speaker 1: violence against Asian American and Pacific Islander AAPI communities in

1339
01:04:02,000 --> 01:04:04,800
Speaker 1: this country, and your message was so powerful to me,

1340
01:04:05,000 --> 01:04:10,560
Speaker 1: and I think this year was it was it was

1341
01:04:10,600 --> 01:04:13,320
Speaker 1: really easy to just you know, keep your eye, keep

1342
01:04:13,360 --> 01:04:15,120
Speaker 1: your eye on your lane, you know, last summer was

1343
01:04:15,160 --> 01:04:17,840
Speaker 1: so hard. The whole the whole fucking year was just

1344
01:04:18,120 --> 01:04:21,080
Speaker 1: a crapshoot. But that was a real lesson for me

1345
01:04:21,200 --> 01:04:24,720
Speaker 1: to also look outside of my own identity and look

1346
01:04:24,760 --> 01:04:28,480
Speaker 1: at how the world is impacting other you know, marginalized people,

1347
01:04:28,640 --> 01:04:30,760
Speaker 1: and reach out to friends of mine who might be

1348
01:04:30,800 --> 01:04:33,440
Speaker 1: impacted and try to do it in a mindful way.

1349
01:04:33,480 --> 01:04:36,200
Speaker 1: And and I just so I thank you for that,

1350
01:04:36,400 --> 01:04:39,120
Speaker 1: for taking that time to go off script and to

1351
01:04:39,640 --> 01:04:41,360
Speaker 1: share what was on your heart. And I hope that

1352
01:04:41,400 --> 01:04:45,320
Speaker 1: you continue to be just as authentic and amazing as

1353
01:04:45,360 --> 01:04:48,640
Speaker 1: you are and really sit with the knowledge that just

1354
01:04:48,680 --> 01:04:52,000
Speaker 1: because it's not you're not for everyone, and maybe appealing

1355
01:04:52,040 --> 01:04:54,280
Speaker 1: to everyone that is not what we're doing this for.

1356
01:04:54,720 --> 01:04:57,680
Speaker 1: It's really about unapologetically talking to people who look like

1357
01:04:57,800 --> 01:05:01,200
Speaker 1: us and saying, if you know, f the norm and

1358
01:05:02,040 --> 01:05:02,800
Speaker 1: you're wonderful.

1359
01:05:03,240 --> 01:05:06,160
Speaker 3: Oh, I mean that's like again, this is why I

1360
01:05:06,240 --> 01:05:08,680
Speaker 3: was like, it's time, Like I'm of all the things

1361
01:05:08,680 --> 01:05:10,120
Speaker 3: I could be doing outside of book leave, I'm like,

1362
01:05:10,200 --> 01:05:12,200
Speaker 3: I can't let this go by. This is the platform

1363
01:05:12,200 --> 01:05:14,480
Speaker 3: that understands that, the community that gets it. So thank you.

1364
01:05:14,560 --> 01:05:16,960
Speaker 1: Let me be your hype woman for just then, ye Okay,

1365
01:05:17,760 --> 01:05:20,680
Speaker 1: I can't do it, but I mean I can to work,

1366
01:05:20,720 --> 01:05:21,880
Speaker 1: but I'm going to say I'm not going to do

1367
01:05:21,920 --> 01:05:24,760
Speaker 1: that right now. I want to do a quick break

1368
01:05:25,040 --> 01:05:27,160
Speaker 1: because I can't let this be. I can't let this go.

1369
01:05:27,240 --> 01:05:28,760
Speaker 1: And I'm hoping that I know you said that you're

1370
01:05:28,760 --> 01:05:30,720
Speaker 1: in a book, cave. I don't know if you've been

1371
01:05:30,760 --> 01:05:34,400
Speaker 1: on the socials lately, but Chrissy Teagan was canceled. Have

1372
01:05:34,520 --> 01:05:36,120
Speaker 1: you heard of this recently?

1373
01:05:36,280 --> 01:05:38,600
Speaker 3: I'm like, again, she was no, So.

1374
01:05:38,520 --> 01:05:41,760
Speaker 1: She's been canceled kind of for I like telling a

1375
01:05:41,800 --> 01:05:43,880
Speaker 1: poor woman to like go kill herself and all these

1376
01:05:43,880 --> 01:05:46,760
Speaker 1: things on social media. She came out with this long

1377
01:05:46,840 --> 01:05:50,280
Speaker 1: as apology note on IG today. I'm sure you haven't

1378
01:05:50,320 --> 01:05:52,640
Speaker 1: had a chance to read it, but I wanted to

1379
01:05:52,640 --> 01:05:57,040
Speaker 1: take a break for well one, cyberbullying in general, and

1380
01:05:57,120 --> 01:05:59,200
Speaker 1: I think as two women who live on the internets

1381
01:05:59,280 --> 01:06:03,200
Speaker 1: and especially social media, when you're trying to enter a

1382
01:06:03,240 --> 01:06:06,080
Speaker 1: space that traditionally has not been for you, the trolls

1383
01:06:06,160 --> 01:06:08,680
Speaker 1: are alive and well. And I've had my first taste

1384
01:06:08,720 --> 01:06:12,160
Speaker 1: of this really on TikTok and to have me, Chrissy,

1385
01:06:12,760 --> 01:06:16,280
Speaker 1: They're so mean, they really are, and to other women

1386
01:06:16,400 --> 01:06:22,480
Speaker 1: especially it's especially women talking about finance and the patriarchy

1387
01:06:22,480 --> 01:06:24,320
Speaker 1: and all these things. But yeah, I just wanted to

1388
01:06:24,360 --> 01:06:28,280
Speaker 1: talk about that because, I mean, Christy is someone who

1389
01:06:28,360 --> 01:06:31,040
Speaker 1: it just shows that trying to be the first to

1390
01:06:31,080 --> 01:06:34,280
Speaker 1: be witty and funny on social media, it's almost like

1391
01:06:34,640 --> 01:06:38,760
Speaker 1: using that power to drag people down, to especially other women.

1392
01:06:38,840 --> 01:06:41,120
Speaker 1: It really. I know that she's apologized now, but I

1393
01:06:41,240 --> 01:06:45,240
Speaker 1: just wanted to take a moment to acknowledge the impact,

1394
01:06:45,640 --> 01:06:47,680
Speaker 1: like the real feelings that are out there on the Internet,

1395
01:06:47,720 --> 01:06:49,720
Speaker 1: and the fact that we're all out there creating content,

1396
01:06:49,760 --> 01:06:52,880
Speaker 1: but we have feelings too, And I hate for someone

1397
01:06:53,040 --> 01:06:55,960
Speaker 1: who has an image of being so you know, so

1398
01:06:56,200 --> 01:07:00,320
Speaker 1: welcoming and so funny and charismatic and amaze and the

1399
01:07:00,360 --> 01:07:03,360
Speaker 1: beautiful children and superstar husband and all that kind of stuff.

1400
01:07:03,640 --> 01:07:05,840
Speaker 1: Why does she need to take someone down if someone

1401
01:07:05,920 --> 01:07:09,800
Speaker 1: like that feels small enough on the inside to tell others.

1402
01:07:09,840 --> 01:07:12,200
Speaker 1: And in her message, she admits that there's not just

1403
01:07:12,240 --> 01:07:14,959
Speaker 1: this one instance that was recently made public. There's more

1404
01:07:15,480 --> 01:07:18,880
Speaker 1: people like victims of her own cyber bullying. We just

1405
01:07:18,920 --> 01:07:20,920
Speaker 1: have we have to hold people accountable for it. I

1406
01:07:21,160 --> 01:07:24,200
Speaker 1: don't want to wish anyone ill, but I'm genuinely like,

1407
01:07:24,240 --> 01:07:27,280
Speaker 1: I'm raising a child who eventually will be who knows

1408
01:07:27,280 --> 01:07:29,560
Speaker 1: what the internet will be when he's old enough to

1409
01:07:29,640 --> 01:07:32,920
Speaker 1: use devices. But I just I don't know what to

1410
01:07:33,000 --> 01:07:35,600
Speaker 1: do about, like the cyber bullying, but it is so

1411
01:07:36,000 --> 01:07:38,240
Speaker 1: and especially if you're reaching young people like you say

1412
01:07:38,240 --> 01:07:40,320
Speaker 1: that you are with your book. I mean, this is

1413
01:07:40,360 --> 01:07:43,200
Speaker 1: a real it's a real danger, and it's a real,

1414
01:07:43,320 --> 01:07:46,360
Speaker 1: I don't know, its own little epidemic or pandemic, whatever

1415
01:07:46,360 --> 01:07:49,960
Speaker 1: the right phrase is. But how has that impacted you?

1416
01:07:50,000 --> 01:07:52,400
Speaker 1: Do you have a do you have trolls or do

1417
01:07:52,440 --> 01:07:54,840
Speaker 1: you just kind of have a way of filtering that out?

1418
01:07:55,440 --> 01:07:59,560
Speaker 3: Oh? Absolutely, we have troubles. Oh my gosh, definitely have trolls,

1419
01:07:59,600 --> 01:08:02,840
Speaker 3: basically from the day that I started talking about my

1420
01:08:02,880 --> 01:08:05,840
Speaker 3: money life, which I'm sure you've experienced and especially I'm

1421
01:08:05,840 --> 01:08:08,800
Speaker 3: sure you're experiencing on TikTok is when a woman or

1422
01:08:08,880 --> 01:08:11,080
Speaker 3: person of color or a woman of color opens their

1423
01:08:11,120 --> 01:08:13,720
Speaker 3: mouth about a hella male, hell of pale, hell of

1424
01:08:13,800 --> 01:08:17,760
Speaker 3: stale formally thing the hella mail pale stales, and those

1425
01:08:17,800 --> 01:08:20,880
Speaker 3: who represent or want to protect their interests come out.

1426
01:08:21,040 --> 01:08:24,599
Speaker 3: They just come out with fists because how dare you

1427
01:08:25,080 --> 01:08:27,040
Speaker 3: try to give advice to other people who look and

1428
01:08:27,080 --> 01:08:31,120
Speaker 3: sound like you. That doesn't cater and center the white man,

1429
01:08:31,320 --> 01:08:35,599
Speaker 3: which is what most finance advice does. When we center

1430
01:08:35,640 --> 01:08:38,920
Speaker 3: ourselves in this work, people get really get their feelings hurt.

1431
01:08:39,360 --> 01:08:42,519
Speaker 3: And so I've definitely gotten trolls of people who are

1432
01:08:42,520 --> 01:08:45,160
Speaker 3: saying like I don't know what I'm talking about, or

1433
01:08:45,320 --> 01:08:48,000
Speaker 3: I made stupid financial decisions. Even if both those things

1434
01:08:48,000 --> 01:08:50,760
Speaker 3: were true, doesn't mean I have to shut up when I,

1435
01:08:51,040 --> 01:08:53,679
Speaker 3: like you said, spoke out. If I ever speak out

1436
01:08:54,320 --> 01:08:56,519
Speaker 3: and kind of step outside of my quote unquote lane

1437
01:08:56,520 --> 01:08:58,960
Speaker 3: of finance, and I talk about race, I talk about

1438
01:08:59,000 --> 01:09:02,160
Speaker 3: my experiences, I talk about the liberation of black people.

1439
01:09:02,240 --> 01:09:05,639
Speaker 3: I talk about stop harassing Asian people. The trolls really

1440
01:09:05,640 --> 01:09:09,320
Speaker 3: come out. And what I've found to be true when

1441
01:09:09,360 --> 01:09:12,200
Speaker 3: you're an Internet creator and is clearly true even when

1442
01:09:12,200 --> 01:09:14,920
Speaker 3: you're someone as big as Chrissy Teagan. No one has

1443
01:09:14,960 --> 01:09:17,919
Speaker 3: given us any classes and how to act on the Internet,

1444
01:09:18,479 --> 01:09:20,360
Speaker 3: and there are a lot of people out there just

1445
01:09:20,400 --> 01:09:24,120
Speaker 3: like throwing their unhealed trauma at each other. People think

1446
01:09:24,160 --> 01:09:26,120
Speaker 3: that we can say things and do things to each

1447
01:09:26,120 --> 01:09:28,360
Speaker 3: other either on Twitter or in the DMS that you

1448
01:09:28,400 --> 01:09:31,479
Speaker 3: would never actually do to human face to face. And

1449
01:09:31,560 --> 01:09:34,840
Speaker 3: so I've learned a lot from especially many of my

1450
01:09:34,880 --> 01:09:38,439
Speaker 3: activist friends on IG how to draw your boundaries with

1451
01:09:38,520 --> 01:09:40,599
Speaker 3: people on the internet who don't know who you are,

1452
01:09:41,160 --> 01:09:44,600
Speaker 3: how to say, hey, I have created a list of boundaries,

1453
01:09:44,600 --> 01:09:46,080
Speaker 3: and if you're a new person and if you want

1454
01:09:46,120 --> 01:09:48,599
Speaker 3: to interact with me, you have to see this list

1455
01:09:48,640 --> 01:09:51,439
Speaker 3: of boundaries I've created. One of them is you can't

1456
01:09:51,479 --> 01:09:53,080
Speaker 3: DM me if I don't know you. If I'm not

1457
01:09:53,160 --> 01:09:55,000
Speaker 3: in relationship with you, and you're about to DM me

1458
01:09:55,040 --> 01:09:57,840
Speaker 3: with your opinion, stop, I don't want it. You don't

1459
01:09:57,840 --> 01:09:59,120
Speaker 3: know how to act with me, and so it's not

1460
01:09:59,160 --> 01:10:03,360
Speaker 3: going to be dialogue. Two. I do dialogues. I don't

1461
01:10:03,400 --> 01:10:06,200
Speaker 3: do Suddenly I'm your garbage can for everything you think

1462
01:10:06,200 --> 01:10:08,320
Speaker 3: about Asian people or everything you think about brown people,

1463
01:10:08,600 --> 01:10:10,840
Speaker 3: I don't do. While this message should have really gone

1464
01:10:10,840 --> 01:10:14,240
Speaker 3: to your therapist, I do dialogues. That's an exchange of information.

1465
01:10:14,320 --> 01:10:15,640
Speaker 3: If you don't know what that is, I will not

1466
01:10:15,680 --> 01:10:19,080
Speaker 3: respond to your DM Three it's like, you know, these

1467
01:10:19,120 --> 01:10:21,680
Speaker 3: are the way Like if I'm sharing my personal experience

1468
01:10:22,080 --> 01:10:24,160
Speaker 3: and I did not ask for your opinion, don't give

1469
01:10:24,200 --> 01:10:27,720
Speaker 3: it to me. These things feel very normal if I

1470
01:10:27,760 --> 01:10:30,280
Speaker 3: were to see, like have coffee with you, Mandy, like

1471
01:10:31,400 --> 01:10:34,320
Speaker 3: in real life. But we lose our brains when it

1472
01:10:34,320 --> 01:10:36,360
Speaker 3: comes to the Internet. And it goes to show also

1473
01:10:36,439 --> 01:10:38,960
Speaker 3: that you can be the most famous, the most beautiful,

1474
01:10:39,280 --> 01:10:41,920
Speaker 3: the most visible, and you still don't know how to

1475
01:10:42,000 --> 01:10:44,080
Speaker 3: draw boundaries with yourself, and you still don't know how

1476
01:10:44,080 --> 01:10:45,920
Speaker 3: to like, remember there's a human on the other side

1477
01:10:45,960 --> 01:10:48,000
Speaker 3: of the thing. So that's the number one thing. It's

1478
01:10:48,000 --> 01:10:53,919
Speaker 3: if people lose their humanity so easily, And it's important, tiring,

1479
01:10:54,240 --> 01:10:56,720
Speaker 3: but important to let people know where your boundaries are

1480
01:10:56,720 --> 01:10:58,719
Speaker 3: on the Internet because clearly some people don't.

1481
01:10:58,600 --> 01:10:59,120
Speaker 4: Know how to act.

1482
01:10:59,760 --> 01:11:01,320
Speaker 1: One thing that you said that struck me that I

1483
01:11:01,320 --> 01:11:03,880
Speaker 1: hope people take away from it is recognizing that it's

1484
01:11:03,920 --> 01:11:06,240
Speaker 1: not about you, it is someone else throwing I think

1485
01:11:06,240 --> 01:11:09,439
Speaker 1: you said they're unhealed trauma at you. Hurt people, hurt people.

1486
01:11:09,479 --> 01:11:11,960
Speaker 1: It's as simple as that. And I don't want to

1487
01:11:12,520 --> 01:11:16,000
Speaker 1: as more of us, women of color, even you know,

1488
01:11:16,040 --> 01:11:19,000
Speaker 1: men of color too, are out there sharing our povs,

1489
01:11:19,240 --> 01:11:22,160
Speaker 1: sharing our voices. And believe me, corporate America wants us.

1490
01:11:22,240 --> 01:11:25,639
Speaker 1: They say they want us right, but ain't there are

1491
01:11:25,680 --> 01:11:27,559
Speaker 1: not always ready for us, and we have to really

1492
01:11:27,560 --> 01:11:30,360
Speaker 1: take care of ourselves because wherever you go, the trolls

1493
01:11:30,400 --> 01:11:32,360
Speaker 1: will be there, and you need to sort of have

1494
01:11:32,439 --> 01:11:35,559
Speaker 1: your you know, have your mental health process and check

1495
01:11:35,600 --> 01:11:38,639
Speaker 1: whatever that is for you. Everyone's got their own way,

1496
01:11:38,680 --> 01:11:40,519
Speaker 1: but just getting to a good place where you really

1497
01:11:40,600 --> 01:11:43,000
Speaker 1: know yourself and you're comfortable with yourself. Like it sounds

1498
01:11:43,040 --> 01:11:46,160
Speaker 1: like Berna, obviously you really are and that's not always

1499
01:11:46,160 --> 01:11:49,200
Speaker 1: easy for some people. But that is the biggest thing.

1500
01:11:49,200 --> 01:11:51,840
Speaker 1: It is not it's not your stuff. You keep doing

1501
01:11:51,840 --> 01:11:54,760
Speaker 1: what you're doing. Like trolls be damned, they're going to

1502
01:11:54,800 --> 01:11:56,679
Speaker 1: be there, but it's not about you. It's about them,

1503
01:11:56,840 --> 01:11:59,960
Speaker 1: and just try not to engage with them and keep create,

1504
01:12:00,680 --> 01:12:05,480
Speaker 1: creating and thriving because that's what we're both here to do. Yep, absolutely,

1505
01:12:05,479 --> 01:12:09,400
Speaker 1: I forgot we're talking to it's just you and me in.

1506
01:12:09,360 --> 01:12:12,439
Speaker 3: This world is me and you in your in your zenden.

1507
01:12:12,840 --> 01:12:15,200
Speaker 3: But I totally clost on in all of that. It's

1508
01:12:15,360 --> 01:12:18,200
Speaker 3: and it's funny because the more you are genuine and

1509
01:12:18,240 --> 01:12:21,799
Speaker 3: true to your own message, I think the more trolls

1510
01:12:22,200 --> 01:12:24,160
Speaker 3: can sort of sense that. I feel like I've gotten

1511
01:12:24,240 --> 01:12:26,519
Speaker 3: more trolls, the more genuine you are with your voice,

1512
01:12:26,840 --> 01:12:29,000
Speaker 3: and so it's like the further you get out there,

1513
01:12:29,040 --> 01:12:30,679
Speaker 3: the more you have to be clear about your boundaries

1514
01:12:30,760 --> 01:12:32,760
Speaker 3: and and let folks know where they can't step. But

1515
01:12:32,960 --> 01:12:34,400
Speaker 3: doesn't doesn't mean you stop creating.

1516
01:12:35,040 --> 01:12:37,160
Speaker 1: When it comes to you burn out, there is no boundary.

1517
01:12:37,439 --> 01:12:40,680
Speaker 1: I like, as far as like you know, we were

1518
01:12:40,720 --> 01:12:43,080
Speaker 1: to live, we tight Now it's all love. Thank you

1519
01:12:43,200 --> 01:12:44,920
Speaker 1: so much for co hosting with me.

1520
01:12:45,840 --> 01:12:48,519
Speaker 3: Thank you, thank you for making this dream come true.

1521
01:12:48,560 --> 01:12:52,639
Speaker 1: I really just like I don't believe you no for.

1522
01:12:52,640 --> 01:12:56,719
Speaker 3: Real, for real, Like if you ask my Spotify, Unleashed, UnrealEd,

1523
01:12:56,760 --> 01:12:58,400
Speaker 3: whatever the heck. At the end of every year, probably

1524
01:12:58,680 --> 01:13:01,320
Speaker 3: for the fast three past three, three years, past four years,

1525
01:13:01,479 --> 01:13:03,519
Speaker 3: top podcast has been Brown Ambition. So this is my

1526
01:13:03,600 --> 01:13:06,320
Speaker 3: freaking dream. Thank you so much, Maim so much.

1527
01:13:06,360 --> 01:13:10,040
Speaker 1: Well, thank you for being so supportive and for doing

1528
01:13:10,040 --> 01:13:13,479
Speaker 1: what you do again. You're at Heyburna dot com. Anywhere

1529
01:13:13,520 --> 01:13:15,439
Speaker 1: else people can well, they can't find you anywhere now.

1530
01:13:15,479 --> 01:13:18,880
Speaker 1: This is like an exclusive interview on her book Leave.

1531
01:13:18,920 --> 01:13:21,320
Speaker 1: This is the only place you can find Berna right now.

1532
01:13:21,360 --> 01:13:24,280
Speaker 1: But when are you out of your book Leave Cave?

1533
01:13:24,320 --> 01:13:25,760
Speaker 1: And then where can folks find you?

1534
01:13:26,439 --> 01:13:29,040
Speaker 3: I am out of my book leave cave in August,

1535
01:13:29,240 --> 01:13:32,679
Speaker 3: so I give my first draft in the middle of July,

1536
01:13:33,240 --> 01:13:35,960
Speaker 3: and then I basically blackout for two weeks. Who knows

1537
01:13:35,960 --> 01:13:37,360
Speaker 3: where I'm going to be. I'm just going to be

1538
01:13:37,400 --> 01:13:39,559
Speaker 3: face down in my dog, I think, for two weeks,

1539
01:13:39,920 --> 01:13:42,760
Speaker 3: and then in August I'm back out with some cool

1540
01:13:42,760 --> 01:13:46,600
Speaker 3: projects coming. But follow it all on Hey Berna on Instagram.

1541
01:13:46,880 --> 01:13:48,920
Speaker 1: All right, I love it all right, Berna. Think you,

1542
01:13:48,960 --> 01:13:50,519
Speaker 1: thank you, thank you, thank you.