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Speaker 1: It's time for the Big a q a A the

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Speaker 1: Big a q A. What's your second?

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Speaker 2: The Big a q eight with Manda, The b a

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Speaker 2: q eight with the b a q a A. Hey,

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Speaker 2: it's time for b a q A. You have questions,

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Speaker 2: We have some answers. Although we're not your attorney, your

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Speaker 2: financial advisor, your mama, but we are two smart brown

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Speaker 2: girls who know a thing or do about money, career,

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Speaker 2: in business, and finance.

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Speaker 3: So ask away, how do we do this again? It's

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Speaker 3: been in minutes?

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Speaker 2: Oh god, first round, I totally forgot. We forgot to

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Speaker 2: pick our questions.

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Speaker 3: Yeah, we don't have Yeah, we need to pick our questions.

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Speaker 2: Were off scheduled for two weeks and we're like, wait,

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Speaker 2: what to tell you?

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Speaker 3: Oh Lord? What should we do money? We could do money, Yeah,

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Speaker 3: we can do money.

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Speaker 1: We haven't done money in a while. Money in the bank?

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Speaker 2: Should you what you think? First of all, can I

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Speaker 2: give you a little update, Mandra, Yes?

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Speaker 3: Is this for the show?

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Speaker 2: Yeah? Yeah, baha update. So you know how like we

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Speaker 2: talked about I think it was b a key way.

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Speaker 2: I think it was when we talked about my friend

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Speaker 2: whose grandma got the you know, sold the house for

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Speaker 2: like one point two million and got the money.

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Speaker 1: My friend listen.

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Speaker 3: They were, oh, no, the friend that you were like,

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Speaker 3: I don't think they listened, So let me talk some

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Speaker 3: about that friend.

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Speaker 2: Yes, but honestly they were there, like they were like,

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Speaker 2: thank you for keeping me anonymous, and honestly like it was.

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Speaker 1: It was really great. You know, they were good suport

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Speaker 1: about it.

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Speaker 2: Causemember, I was like, Granny be no one because Granny

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Speaker 2: was like, how are you going manage world and you

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Speaker 2: ain't got no money? Yeah, and no, they were like, honestly,

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Speaker 2: like Tiffany was hilarious but funny but also really good advice.

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Speaker 1: Thank you so much.

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Speaker 3: Yeah.

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Speaker 1: So yeah, because you obviously I'm not going to talk

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Speaker 1: some mess about my friend, but I did.

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Speaker 2: Say that, like, you know, Granny's not wrong that she

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Speaker 2: ought to take her time and she ought to really

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Speaker 2: lean into financial experts, that this is what they do

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Speaker 2: managing wealth, and that not that she's rude not listening

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Speaker 2: to her grandkids, but that you know, but it's okay

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Speaker 2: to give your input. But she's not wrong for saying, hey,

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Speaker 2: you know, let me work with the experts on this

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Speaker 2: because it's a lot of money. So yeah, I just

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Speaker 2: thought that was hilarious because when I got the text,

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Speaker 2: I was like.

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Speaker 3: Grow, what did I say?

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Speaker 2: So that was a nice little all right, we're gonna

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Speaker 2: do some money questions this week. We have not forgot

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Speaker 2: about you. You guys really enjoyed the hot seat or whatever,

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Speaker 2: so joy hopefully. I don't know if the next one

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Speaker 2: next BAQA will be when we have someone in the

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Speaker 2: hot seat. That's when someone outside of Mandy and myself

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Speaker 2: will be in the studio. They get to ask us

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Speaker 2: both questions. If you haven't listened already, the last BAQA,

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Speaker 2: I was in the hot seat, Mandy asked me question

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Speaker 2: and the questions, and the one before that, Mandy was

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Speaker 2: in the hot seat and we asked her question. So

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Speaker 2: we like these hot seat episodes that will pepper in

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Speaker 2: to our normal BAQA. But for now we're hitting up,

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Speaker 2: shaking up the mail bag, and we have a message

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Speaker 2: from someone who calls herself Susie Carr.

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Speaker 1: I go name that show. I'll give you two seconds

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Speaker 1: regress classic. So Susie says, hello.

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Speaker 2: I have a question for the QA you always are

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Speaker 2: saying right now because of the recession, Save Save Save,

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Speaker 2: I'm a single homeowner in a rather affordable city, and

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Speaker 2: am going doing pretty well financially, having about ten thousand

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Speaker 2: in savings, that is until I had roof issues child

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Speaker 2: that basically wiped out my savings. I have barely any

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Speaker 2: debt outside of my home and car and have no

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Speaker 2: issues making those payments on time. I have money automatically

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Speaker 2: going to a four to one k and none of

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Speaker 2: that is changing as long as I still have my job.

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Speaker 2: So technically I'm not struggling, but I can't help but

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Speaker 2: feel anxiety not having my savings anymore, as it took

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Speaker 2: quite some time to get that much saved. I guess

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Speaker 2: my question is what is your advice for when an

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Speaker 2: emergency actually comes.

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Speaker 1: Your way and you have to use your emergency fund?

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Speaker 1: Thank you and love your show, Susan. So what device

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Speaker 1: we have for the suit?

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Speaker 2: Well?

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Speaker 3: As I think we're both homeowners and I have had,

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Speaker 3: what was the thing that we did? I'm trying to

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Speaker 3: think what we financed?

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Speaker 2: Well.

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Speaker 3: The thing about being a homeowner, I would say, and

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Speaker 3: having cash in the bank is depending on your level

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Speaker 3: of like tolerance and where you're at in your headspace

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Speaker 3: when it comes to debt. If you have a secure

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Speaker 3: financial position, like you are employed, you've got savings in

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Speaker 3: the bank. If you're you know, if you don't want

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Speaker 3: to part with your cash savings and you want to

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Speaker 3: remain liquid, like have that. When you're a homeowner, you know,

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Speaker 3: you could look into something like a low cost home

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Speaker 3: equity loan. You could also some a lot of home improvement.

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Speaker 3: Like I don't know what am I trying to say.

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Speaker 3: Contractors they offer zero percent financing for repairs. You have

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Speaker 3: to go through their system, and I mean these zero

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Speaker 3: percent finance, Oh, this is what we did it for.

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Speaker 3: We did zero percent financing for HVAC because they offered it.

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Speaker 3: And yeah, we could have come out of pocket and

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Speaker 3: paid the I forget how much it costs, like twenty K,

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Speaker 3: but for us, we were like, let's save that cash

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Speaker 3: for other reserves because we were renovating, and let's take

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Speaker 3: advantage of our great credit and have a zero percent option.

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Speaker 3: The thing is, you really want to read the fine

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Speaker 3: print because typically they have that classic deferred interest clause,

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Speaker 3: which basically means if you do not pay off the

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Speaker 3: debt before that intro period is over, that they could

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Speaker 3: pretend like you had been paying interest the whole time

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Speaker 3: and tack that onto their balance. So yeah, it can

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Speaker 3: really sting, But that's an option. But again, it really

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Speaker 3: depends on like Tif was saying in the last episode,

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Speaker 3: are you able to pay your bills in fuld, Like,

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Speaker 3: do you have money coming in regularly where you feel

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Speaker 3: like you can take on some debt. If the answer

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Speaker 3: is no, then I kind of feel like that's what

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Speaker 3: the emergency fund is for. So don't feel bad about

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Speaker 3: using it.

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Speaker 2: Yeah, I know it's hard because I love those options

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Speaker 2: that Mandy gave that. Yes, sometimes, you know, having cash

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Speaker 2: on hand, especially with what's happening, you know, in the

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Speaker 2: economy right now, and I don't know if you looked

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Speaker 2: at the market the other day, literally.

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Speaker 1: Down down d d dun, dun dun, it's looking crazy.

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Speaker 2: So with that being said, at you know, Mandy's suggestion

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Speaker 2: about just so you know moving forward, is things like

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Speaker 2: this happen again and you have great credit for anyone listening,

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Speaker 2: you know, is there a interest free way to handle it?

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Speaker 2: With that caveat of you better have that money at

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Speaker 2: the end because the people don't want the coin or

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Speaker 2: they're going to tack on that that interest rate, right, So,

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Speaker 2: but ultimately, Susie, you know, your emergency fund is for emergencies.

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Speaker 2: But I mean, if you've listened to Mandy and that

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Speaker 2: for a while, you know, both of us feel very

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Speaker 2: queasy about not having savings, and so I can understand

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Speaker 2: that feeling. And so the only two ways to like

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Speaker 2: get more money is to spend less or make more,

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Speaker 2: you know, So it might this might be the push

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Speaker 2: you need to do what Mandy's always which is girl, well,

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Speaker 2: the lot of time you got to raise at work

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Speaker 2: one of a lot of time you had that combo

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Speaker 2: about like, because it's still the job market still leans

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Speaker 2: in your favor.

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Speaker 3: You know.

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Speaker 2: I don't know what industry you're in, but in general,

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Speaker 2: the job market is leaning in favor for you know,

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Speaker 2: for the worker. And so it's like, can I make

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Speaker 2: extra work where I'm actually working? You know, I'm not

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Speaker 2: always a big proponent of like side hustle because sometimes

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Speaker 2: you're already tired, you know, but if you haven't gotten

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Speaker 2: a raisin wall, maybe asking for that, you know, are

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Speaker 2: there other expenses that you're like, oh, these are not

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Speaker 2: that serious. I can cut in order to have some

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Speaker 2: some you know, some excess space so I can save

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Speaker 2: a little more. So I would just lean into those

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Speaker 2: two things and then I mean, I know it took

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Speaker 2: you a long time to save the ten, but the

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Speaker 2: fact is you did do that. And I do want

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Speaker 2: anyone listening to know that. I I mean, of course

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Speaker 2: I don't have a crystal ball, but I do know

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Speaker 2: that there is a rebalancing happening, you know, in the

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Speaker 2: economic world globally, that the pandemic you know, what'd you.

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Speaker 3: Say, I said, pray tell I'm listening, Yes, is happening.

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Speaker 2: Right, meaning that like, because of the pandemic, it forced

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Speaker 2: people to to it. We were already probably heading toward

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Speaker 2: because that is a cycle of things, ups and down

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Speaker 2: and ups and downs and up and down. So we

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Speaker 2: were already headed, you know, slowly but surely towards whatever

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Speaker 2: down cycle was on its way, just because that's just

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Speaker 2: the nature of things.

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Speaker 1: The tide will ebb and flow, you know.

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Speaker 2: But there was a quickening of that process because pandemic

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Speaker 2: was something you know, out of the out of an

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Speaker 2: extraordinary event that helped to quicken some of that downturn.

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Speaker 1: And so as a result, you know, choices were.

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Speaker 2: Made like PPP loans, like you know, you're not having

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Speaker 2: the mortgage moratorium, the moratory run student loan, so all

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Speaker 2: this money has been flooded where it was not before.

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Speaker 2: You know, all this grace about not have to pay things,

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Speaker 2: so as a result, you cannot. That's just not the

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Speaker 2: way the world's work, is not the way that nature works.

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Speaker 2: That you know that nature likes to be balanced, and

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Speaker 2: so there has been a financial imbalance created, and so

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Speaker 2: it will balance itself. And so that's what you're going

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Speaker 2: to see coming up. I don't know how long or

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Speaker 2: how strong or whatever, but I do know, whether they

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Speaker 2: call it a recession whatever or not, something is happening now.

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Speaker 1: We can feel it. You know.

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Speaker 2: People can see how things cost more money. You can

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Speaker 2: see how the market is and you know, has hit

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Speaker 2: this huge downturn, especially most recently, and so knowing that,

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Speaker 2: I just want everyone to prepare, like prepare. One of

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Speaker 2: the best ways to prepare is to have excess money

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Speaker 2: on the side, so we all need a little emergency savings,

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Speaker 2: you know, prepare by looking at our budgets to say,

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Speaker 2: you know, if I had to, you don't have to

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Speaker 2: do it now, but if I had to, what could

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Speaker 2: I cut if I had to? You know, to me

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Speaker 2: having just even just mentally preparing and saying, you know,

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Speaker 2: what if I actually had to. I could cut this,

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Speaker 2: this and this and free up two hundred dollars a month,

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Speaker 2: Duly noted. You know, like, you know what, I haven't

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Speaker 2: asked for a race. Let me see if I can

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Speaker 2: go get one now, you know what. My My lease

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Speaker 2: is up. And I did say I was going to

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Speaker 2: get a studio because what I do I really need this one.

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Speaker 2: There's one bedroom, Duly noted.

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Speaker 1: So things like.

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Speaker 2: That, like I would just be mentally preparing and then

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Speaker 2: also just actually preparing for what's ahead, because I suspect

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Speaker 2: that the rebalancing is going to be equal to the

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Speaker 2: unbalanced that the pandemic created, which means it's going to

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Speaker 2: be a doozy. And so I just wanted people to

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Speaker 2: be I'm not here doing in gloom.

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Speaker 1: But I am. I am here.

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Speaker 2: I'd rather you be like, oh, over prepared, okay, than

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Speaker 2: to be like, oh, I took a kind of light.

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Speaker 2: And it's like it's it's the Great Recession all over again,

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Speaker 2: and it's a really really hard time for lots of us.

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Speaker 3: So batton down the financial Yeah, hatches, right, what even

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Speaker 3: is a hatch? I don't know, I don't know what.

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Speaker 3: I don't know, but like batten your hatches. Okay, if

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Speaker 3: you god, I'm Batnam. Yeah, so for me, I think,

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Speaker 3: and this is why I did a whole workshop of

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Speaker 3: like recession proofing your career because it goes hand in

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Speaker 3: hand with your finances too. But whatever you can do,

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Speaker 3: and I think her advice she's looking for too, is like,

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Speaker 3: so I've had to do this, So what do I

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Speaker 3: prioritize now? And I feel like what you're saying is

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Speaker 3: prioritize rebuilding that cash fund, you know, as much as

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Speaker 3: you can, as quickly as you can, and hopefully you

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Speaker 3: can do it a little bit more quickly than it

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Speaker 3: took to initially build it. You can do that by,

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Speaker 3: like Tiffany said, looking for ways to increase your income

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Speaker 3: or cutting other expenses. But yeah, it does make sense

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Speaker 3: to prioritize building that emergency fund back up as soon

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Speaker 3: as you can, because that does give you like financial protection.

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Speaker 3: And then what kind of steps can you take career

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Speaker 3: wise to put yourself on track from more higher earnings.

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Speaker 3: I mean, in one career move and one job move,

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Speaker 3: if you negotiate a ten thousand dollars sign on bonus,

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Speaker 3: you could have that money back. That's the beauty of

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Speaker 3: quitting your way, rich Okay, and you live. I see

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Speaker 3: how talk about around news Port.

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Speaker 1: We don't just be talking about it, We be about it.

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Speaker 3: Yeah, we'd be about that way. Yeah, but don't feel

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Speaker 3: bad for having to use your fund. Be proud that

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Speaker 3: you had it in the first place. Okay, Now it's

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Speaker 3: just about rebuilding it.

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Speaker 1: And tell Tommy, Pickles and Chucky we.

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Speaker 3: Say hey and filling lit. Not that girl, Angelica, no

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Speaker 3: a mess.

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Speaker 1: That was the original Karen.

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Speaker 3: Yes, Hey, Now I gotta go find where can you

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Speaker 3: watch rug Rats these days? I got to go find

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Speaker 3: it homeboy. I'm like, I'm sick of Paw, Patrol and Peppa.

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Speaker 3: I want to get some rug Rats in this household.

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Speaker 1: Oh, what's on?

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Speaker 3: Supecar Michael? All right, let's take a quick break out.

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Speaker 3: We'll be back with another of your b a Q

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Speaker 3: and as. Our next question came from someone who liked

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Speaker 3: to remain anonymous. Let's call her Holly. Holly says, ooh,

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Speaker 3: I love this. Hey, ladies, I'm a serial job hopper. Hey,

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Speaker 3: no shade. My favorite thing to do is quit a

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Speaker 3: job at the slightest inconvenience. I've had up to five

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Speaker 3: different jobs in one year. I've recently started my professional

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Speaker 3: career as at r N, where job hopping is common

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Speaker 3: and encouraged. My first nursing job I lasted a total

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Speaker 3: of eight months. Now I've just accepted a part time

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Speaker 3: job with no benefits, just to get me through Christmas.

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Speaker 3: My question is, what do you suggest I do with

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Speaker 3: all of the roths I've collected over the years. Any

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Speaker 3: suggestion on going about getting health insurance? I have an HSA.

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Speaker 3: All in all, what would you tell someone who is

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Speaker 3: essentially responsible for providing their own benefits from here on out?

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Speaker 3: Thank you?

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Speaker 1: Well, I'll tak the first part.

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Speaker 2: So yeah, I don't know if you Well, she didn't

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Speaker 2: say that she has any kids, but anybody with the

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Speaker 2: kid little ones knows ten dayers in the bed and the.

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Speaker 1: Little ones say roll over, roll over. That's what I

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Speaker 1: suggested to you. It's like, wait, I'm not thinking the connection.

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Speaker 1: I'm like, I have to go around the world.

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Speaker 3: So you just triggered the I'm like, where's Rio because

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Speaker 3: that's one of his favorite songs for.

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Speaker 1: Like, ten ross in the account and the and the

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Speaker 1: little ones say roll over.

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Speaker 2: Right.

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Speaker 1: So here's the thing.

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Speaker 2: I'm so glad that you have not withdrawn the money,

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Speaker 2: because you're going to trigger a because you're not fifty

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Speaker 2: nine and a half, so you would trigger your fee,

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Speaker 2: and if you didn't put that money back, you would.

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Speaker 1: Also trigger a tax. Well no, does she say, Oh,

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Speaker 1: she says she has roths.

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Speaker 3: She has roths.

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Speaker 1: Yeah, okay, well actually never there. Well, then you wouldn't

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Speaker 1: triger your fee.

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Speaker 2: It's only on the money that it's earned, not on

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Speaker 2: the money that you put in there. Because roth I

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Speaker 2: rays are that's where you have. You've put money, after

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Speaker 2: taxes into your wrath. So you are allowed to withdraw

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Speaker 2: without the fee and the taxes because but anything above

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Speaker 2: and beyond what you actually put in. So let's just

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Speaker 2: say it's grown by twenty percent, that additional twenty percent

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Speaker 2: you would have to pay taxes and fees on that growth.

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Speaker 1: So either way, the.

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Speaker 2: Advice is still the same, which is I don't like

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Speaker 2: having all these multiple accounts floating because I wish I

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Speaker 2: don't know if we ever put that link where it's

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Speaker 2: like do you have money out there? Like it's one

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Speaker 2: of those like search if you have money?

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Speaker 3: Like right, we talked about that, I hope.

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Speaker 2: Yeah, and so like I searched Mandy and I found too.

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Speaker 2: One was Chase Bank. They owe me nine hundred dollars

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Speaker 2: for when like my house was foreclosed upon. I guess

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Speaker 2: there was some balance that I did not get. And

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Speaker 2: then also too I had something else from some other bank.

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Speaker 2: It was one hundred and twenty. So I say all

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Speaker 2: that to say people be leaving money behind and forgetting

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Speaker 2: that there's money floating. And the best way to not

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Speaker 2: do that is every time you leave, to roll it over.

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Speaker 2: Sometimes you can roll it over at your current job,

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Speaker 2: or you could just roll it over. Like let's just

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Speaker 2: say you have a like you know, you have your

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Speaker 2: fave bank, we'll call it, you know, like Brianna bish

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Speaker 2: and Bank, you know, and so like you know, that's

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Speaker 2: the bank where you roll over, like you have a

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Speaker 2: rawth iray with that bank. And just any place you

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Speaker 2: leave from you know that you take your bag, you

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Speaker 2: take your picture frame, you know, of whatever, of your

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Speaker 2: dog at the table, and you take your rath iray

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Speaker 2: with you, like, you know, do that rollover and so

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Speaker 2: because you don't want to leave that money and forget

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Speaker 2: about it, because you know, as we get.

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Speaker 1: Older, you know, you have so many other jobs.

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Speaker 2: If you had five in one year, that's a lot

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Speaker 2: of wrath ira to keep it keep you know, keep

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Speaker 2: keeping your head, to remember that you have. So roll

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Speaker 2: it over, says, find a place a home for them,

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Speaker 2: and roll it over.

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Speaker 3: I found it missing money dot com. Yes, there's a

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Speaker 3: lot of Amanda woodrofts out there. So I'm just gonna

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Speaker 3: do this later, all right. So in the second part

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Speaker 3: of her question, any suggestions about getting health insurance, I'm

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Speaker 3: like still getting over the fact that a nurse goes

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Speaker 3: around and doesn't have health insurance, like maybe she's a

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Speaker 3: traveling nurse, which actually became and I've got a couple

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Speaker 3: of clients. You do that. It's really lucrative. It became

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Speaker 3: super lucrative, especially during the pandemic because they were shortages.

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Speaker 3: There still are and if you have the life, like

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Speaker 3: if you enjoy that lifestyle, then you can make a

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Speaker 3: big bank being a traveling nurse. So I mean, I

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Speaker 3: think the best thing to do, if you're going to

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Speaker 3: be carrying your own insurance and you don't have any

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Speaker 3: other option like a partner or you're under twenty six

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Speaker 3: and you can use your piggyback on your parents' insurance,

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Speaker 3: is to hit up the marketplace, which maybe you've already done.

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Speaker 3: You say you have an HSA, which is a health

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Speaker 3: savings account, which are only available if you have a

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Speaker 3: high deductible health plan, so health high deductible health plans.

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Speaker 3: Because you have a high deductible that means you have

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Speaker 3: to come out of pocket before your insurance kicks in.

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Speaker 3: And so to counteract that, they allow you to put

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Speaker 3: money in tax free in an HSA account like a

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Speaker 3: save account that you can use for those medical expenses.

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Speaker 3: So yeah, I would just go on the marketplace and

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Speaker 3: choose the best plan that works for you. With the

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Speaker 3: new what is it the Inflation Reduction Act that was

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Speaker 3: just passed there were they extended the subsidies that they

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Speaker 3: had offered under Obamacare, which was great. So if you

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Speaker 3: qualify for subsidies, that would lower the amount of your

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Speaker 3: premium on a monthly basis. But also if you're negotiating

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Speaker 3: I know this isn't like technically a career question, but

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Speaker 3: if you are negotiating your pay, I would factor in

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Speaker 3: the fact that you're carrying your own your own insurance

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Speaker 3: and definitely like factor that an plus twenty percent when

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Speaker 3: you're negotiating, so that you can lead some extra cushion

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Speaker 3: in there to pay for those health expenses that may

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Speaker 3: pop up.

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Speaker 1: Good advice.

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Speaker 2: Yeah, if you guys have questions, we have answers, ish

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Speaker 2: or whatever.

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Speaker 3: You can certainly are your self shakers.

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Speaker 1: We could ask them in our dms. On Insta.

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Speaker 2: You can go to brodivisionpodcast dot com and click like

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00:17:59,440 --> 00:18:01,880
Speaker 2: the ask us anything or contact button you can ask there.

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Speaker 2: You can go to brandabishon at g Brown Ambition at

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Speaker 2: gmail dot.

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Speaker 3: Com, Branhibition Podcast at gmail dot com.

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Speaker 1: I knew I was like one of these I'm gonna

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Speaker 1: get wrong you've been doing.

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Speaker 3: I mean, you've been on a roll like yeah, anyone

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Speaker 3: who listens to the first couple of years where man

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00:18:22,520 --> 00:18:23,879
Speaker 3: and I'd be like, when you're gonna stop so I

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Speaker 3: can interject, I.

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Speaker 1: Don't forgee it. I feel like in a good mood today.

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Speaker 1: I don't know, it feels good to.

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Speaker 3: Be in a goods yeah, okay, good yeah.

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Speaker 1: I mean always that's just random, but I was just

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Speaker 1: thinking that today.

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Speaker 2: I was like, we're extra geekily today, but I'm like,

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Speaker 2: you know what, I'm feeling a good mood today, so.

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Speaker 3: I need it. I've been waking up at four am

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Speaker 3: every day the past week working on my damn webinar.

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Speaker 3: I'm already I feel silly. I'm so excited though, but

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Speaker 3: real quickly, I wanted to tell the people, remind them.

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Speaker 3: If you want to be a potential hot seat guest

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00:18:52,400 --> 00:18:55,000
Speaker 3: for Brown Ambition Q and A, which means you will

420
00:18:55,040 --> 00:18:57,680
Speaker 3: be here in the studio virtual studio with us as

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00:18:57,760 --> 00:19:00,560
Speaker 3: a guest, you need to submit your question to are Ig,

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00:19:00,840 --> 00:19:03,080
Speaker 3: So go to Brown and Mission podcast on IG but

423
00:19:03,160 --> 00:19:05,359
Speaker 3: submit it as a video or a voice note, okay,

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00:19:05,440 --> 00:19:09,920
Speaker 3: so we can make sure that you can articulate. No, no, shade,

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00:19:10,320 --> 00:19:13,480
Speaker 3: you ain't crazy. Submit your and we've already got some

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00:19:14,000 --> 00:19:16,080
Speaker 3: in the dms, but go ahead and submit them, and

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00:19:16,240 --> 00:19:18,960
Speaker 3: one of our producers will be reaching out potentially to

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Speaker 3: have you on the show.

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Speaker 2: So if you hear from from a named Emani, she's

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Speaker 2: our dope producer.

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Speaker 1: That's why she's not a scammer.

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Speaker 3: She's asking you about crypto. She really does know us.

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Speaker 1: It's legit, it's legit. So we'll see you next week hopefully.

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Speaker 2: I don't know if we'll have a hot seat next week,

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Speaker 2: but if not next week, definitely the week after next,

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Speaker 2: you know, because we want to get this party started,

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Speaker 2: all right, y'all.

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Speaker 3: Hi, y'all until next week. Hey ba fam, we could

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Speaker 3: not do this show without your support or the support

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Speaker 3: of our team behind the scenes. The Brown Ambission podcast

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Speaker 3: is produced by Cumulus Podcast Network. It's edited by the

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Speaker 3: wonderful Emani Crosby and produced by Tanya Bustos. Dennistimplinsky is

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Speaker 3: our house tech crew, and I am Bandy Woodard Santos

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Speaker 3: your co host, and I will see y'all next week.