WEBVTT - Ep 235 - Day One, or One Day?

0:00:00.200 --> 0:00:02.800
<v Speaker 1>Hey, ba fam, we are five years into making this

0:00:02.880 --> 0:00:05.480
<v Speaker 1>podcast that we love so much called Brown Ambition, and

0:00:05.519 --> 0:00:08.440
<v Speaker 1>we could not do it without you. We've gone from

0:00:08.760 --> 0:00:11.960
<v Speaker 1>me and Tiffany sneaking around my old office building trying

0:00:11.960 --> 0:00:14.960
<v Speaker 1>to find places to record, and thanks to you, guys,

0:00:15.040 --> 0:00:19.040
<v Speaker 1>we now have one hundred thousand downloads per month for

0:00:19.120 --> 0:00:22.200
<v Speaker 1>this little show called Brown Ambition. We would love to

0:00:22.239 --> 0:00:25.320
<v Speaker 1>ask y'all for a small favor as fans of the show. Tiffany,

0:00:25.360 --> 0:00:26.080
<v Speaker 1>what are we looking for?

0:00:26.440 --> 0:00:28.200
<v Speaker 2>Here's what we'd love from you, guys.

0:00:28.280 --> 0:00:31.800
<v Speaker 3>We already have over a thousand reviews and a five

0:00:31.840 --> 0:00:34.760
<v Speaker 3>star rating on iTunes, but you know it's better than

0:00:34.760 --> 0:00:38.400
<v Speaker 3>one thousand reviews two thousand reviews. If you get head

0:00:38.400 --> 0:00:41.440
<v Speaker 3>on over to iTunes, go to our Brown Ambition page,

0:00:41.880 --> 0:00:45.800
<v Speaker 3>scroll on down to the bottom, subscribe and leave us

0:00:45.840 --> 0:00:47.479
<v Speaker 3>a five star rating and review.

0:00:47.800 --> 0:00:51.760
<v Speaker 1>So subscribe, rate review. Not too much to ask, right easyps.

0:00:51.960 --> 0:00:53.960
<v Speaker 1>We love you guys, and thank you so much for

0:00:54.040 --> 0:00:56.560
<v Speaker 1>making Brown Ambition what it is. The last five years

0:00:56.560 --> 0:01:00.000
<v Speaker 1>have been amazing and it's all things to you.

0:01:15.400 --> 0:01:15.680
<v Speaker 2>Hey.

0:01:16.200 --> 0:01:23.679
<v Speaker 4>Hey, Hey, we're back, We're black, We're Brown Ambition.

0:01:25.560 --> 0:01:30.440
<v Speaker 1>Hey mansa just hands Hey, Happy Monday Recording on this

0:01:30.600 --> 0:01:33.920
<v Speaker 1>beautiful September Monday. Listen, as you were doing the intro,

0:01:34.040 --> 0:01:36.680
<v Speaker 1>I was just like kicking myself in the face, which

0:01:36.720 --> 0:01:39.959
<v Speaker 1>I can't physically do, but you know, not literally. I

0:01:39.959 --> 0:01:43.000
<v Speaker 1>can't believe when I was designing Brown Ambition Store and

0:01:43.200 --> 0:01:46.640
<v Speaker 1>brandambisionstore dot com that I did not put that on

0:01:46.640 --> 0:01:47.920
<v Speaker 1>one of our new T shirts.

0:01:48.400 --> 0:01:50.440
<v Speaker 2>How does it go? We're back, We're black.

0:01:53.400 --> 0:01:53.760
<v Speaker 4>Shirts.

0:01:54.160 --> 0:01:55.520
<v Speaker 2>I'm doing it. We have T shirts.

0:01:55.560 --> 0:01:57.480
<v Speaker 1>Not only do we have T shirts, s Tiffany, and

0:01:57.520 --> 0:02:00.800
<v Speaker 1>thank you for for for asking about our flag, because

0:02:01.360 --> 0:02:05.080
<v Speaker 1>five years into the show, we finally have some merchandise

0:02:05.160 --> 0:02:08.480
<v Speaker 1>for you guys to rock your Brown Ambition pride everywhere

0:02:09.040 --> 0:02:12.959
<v Speaker 1>in Quarantine on your zoom calls in line six feet

0:02:13.000 --> 0:02:15.360
<v Speaker 1>away from each other at Trader Joe's Rocket.

0:02:15.560 --> 0:02:16.600
<v Speaker 2>We have T shirts.

0:02:16.639 --> 0:02:19.560
<v Speaker 1>We got onesies for the babies out there, Brand Ambish

0:02:19.560 --> 0:02:23.280
<v Speaker 1>and babies, got tote bags and the T shirts. I'm

0:02:23.320 --> 0:02:25.919
<v Speaker 1>pretty proud. Oh, I'm trying to do my part for nature,

0:02:26.000 --> 0:02:29.280
<v Speaker 1>so they're recycled. I will spare you the details on

0:02:30.360 --> 0:02:34.840
<v Speaker 1>the terrible pollution that clothes create. But anyway, check out

0:02:34.840 --> 0:02:37.720
<v Speaker 1>our store, Brownibision store dot com and pick up some

0:02:37.840 --> 0:02:41.160
<v Speaker 1>swag and then you've got to share. We need pictures,

0:02:41.680 --> 0:02:43.960
<v Speaker 1>pictures of y'all swag of.

0:02:44.000 --> 0:02:46.960
<v Speaker 3>Course, hashtag brownhimbisions BA swag. That's what you should do.

0:02:47.720 --> 0:02:51.320
<v Speaker 1>Hashtag BA swag or just hashtag Brown Ambition and tag

0:02:51.400 --> 0:02:55.080
<v Speaker 1>us on Instagram, at Brown Ambition Podcast, on Facebook wherever.

0:02:55.320 --> 0:02:58.040
<v Speaker 1>We're all over the place, at Mandy Money at the Budgetista,

0:02:58.120 --> 0:02:59.000
<v Speaker 1>y'all know where to find us.

0:02:59.880 --> 0:03:03.360
<v Speaker 2>I'm really really excited. Yeah, So what's the store adjust again,

0:03:04.440 --> 0:03:08.880
<v Speaker 2>Brown Ambition store dot com. So easy to remember, so

0:03:08.919 --> 0:03:09.639
<v Speaker 2>easy to remember.

0:03:09.960 --> 0:03:11.679
<v Speaker 1>I will prepare you all though, because I was a

0:03:11.680 --> 0:03:13.680
<v Speaker 1>little surprised by this is my first time setting up

0:03:13.720 --> 0:03:17.000
<v Speaker 1>a swag store, and I mean shocking because it took

0:03:17.040 --> 0:03:20.800
<v Speaker 1>me five years to do that. But anyway, I did it. Okay, listen,

0:03:20.880 --> 0:03:23.600
<v Speaker 1>but and I used print full just full disclosure, and

0:03:23.840 --> 0:03:26.520
<v Speaker 1>you can connect that through a site called shopify. So

0:03:26.639 --> 0:03:28.440
<v Speaker 1>I know that you guys, especially those of you who

0:03:28.480 --> 0:03:30.720
<v Speaker 1>checked that our episode with Sandy Smith where we were

0:03:30.720 --> 0:03:32.919
<v Speaker 1>talking about side hustles. So one of the common side

0:03:32.960 --> 0:03:36.360
<v Speaker 1>hustles these days is drop shipping, which is essentially when

0:03:36.400 --> 0:03:38.560
<v Speaker 1>you create you know, you can put your logo or

0:03:38.600 --> 0:03:41.280
<v Speaker 1>create a custom design for a product, but then instead

0:03:41.280 --> 0:03:44.360
<v Speaker 1>of ordering a huge, you know, stock of that product

0:03:44.400 --> 0:03:47.120
<v Speaker 1>and keeping it in your basement until it's sold, you

0:03:47.160 --> 0:03:49.320
<v Speaker 1>can use a drop shipping company to hold the product

0:03:49.400 --> 0:03:51.320
<v Speaker 1>for you and do all of the hard work of

0:03:51.800 --> 0:03:55.520
<v Speaker 1>printing or manufacturing the products and then shipping them out

0:03:55.560 --> 0:03:58.080
<v Speaker 1>to your customers. So we use print full. And I

0:03:58.160 --> 0:04:00.680
<v Speaker 1>was really surprised because, you know, with ambition, I mean,

0:04:00.760 --> 0:04:02.960
<v Speaker 1>let's let's just be real here, our audience is mostly

0:04:02.960 --> 0:04:06.280
<v Speaker 1>women of color, like probably more than eighty percent of

0:04:06.280 --> 0:04:09.560
<v Speaker 1>our audience women of color, and we I was surprised

0:04:09.600 --> 0:04:12.160
<v Speaker 1>that I wasn't able to get a more diverse lineup

0:04:12.200 --> 0:04:14.920
<v Speaker 1>of models on the print full website. And I was

0:04:14.920 --> 0:04:16.960
<v Speaker 1>so surprised that I was like, am I just missing

0:04:16.960 --> 0:04:19.280
<v Speaker 1>the right button? Like is there a button or some setting?

0:04:19.360 --> 0:04:21.960
<v Speaker 1>And you know, it's not like super easy to navigate.

0:04:22.000 --> 0:04:24.640
<v Speaker 1>So I went to customer support and I live chatted

0:04:24.640 --> 0:04:28.039
<v Speaker 1>a very nice gentleman and he said, you know, that's

0:04:28.160 --> 0:04:31.280
<v Speaker 1>actually not an option, but if you'd like to go

0:04:31.360 --> 0:04:34.760
<v Speaker 1>to our feature request form and he said, submit every

0:04:34.760 --> 0:04:37.480
<v Speaker 1>request for this to be a future that's added. And

0:04:37.920 --> 0:04:39.640
<v Speaker 1>I went to the future request and it's one of

0:04:39.640 --> 0:04:42.640
<v Speaker 1>those things where you can upvote features that like, if

0:04:42.680 --> 0:04:45.200
<v Speaker 1>you see someone else's requested a feature that you really want,

0:04:45.480 --> 0:04:48.000
<v Speaker 1>you can upvote it. So here's what I need y'all

0:04:48.000 --> 0:04:50.240
<v Speaker 1>to do. I'm going to post a link in our

0:04:50.279 --> 0:04:52.760
<v Speaker 1>show notes, and you need to click that link and

0:04:52.920 --> 0:04:56.919
<v Speaker 1>up vote my request for printfual to have more inclusive models,

0:04:56.960 --> 0:04:59.960
<v Speaker 1>because there is no reason we should not be able

0:04:59.920 --> 0:05:02.919
<v Speaker 1>to to have a group of beautiful women of color

0:05:03.279 --> 0:05:05.560
<v Speaker 1>repping our brand, because that is what Brown Ambition is

0:05:05.600 --> 0:05:10.680
<v Speaker 1>all about. And I was genuinely surprised, and the guy

0:05:10.800 --> 0:05:13.120
<v Speaker 1>on customer service was like, I think there might be

0:05:13.160 --> 0:05:15.480
<v Speaker 1>a few other requests like this. There were maybe two

0:05:15.680 --> 0:05:19.120
<v Speaker 1>and they each had like four votes, So this is

0:05:19.160 --> 0:05:22.040
<v Speaker 1>where we can make some kind of difference. I'm genuinely

0:05:22.080 --> 0:05:24.120
<v Speaker 1>shocked that I even have to, but you know what

0:05:24.160 --> 0:05:26.679
<v Speaker 1>this is, what is like you think in twenty twenty,

0:05:26.839 --> 0:05:29.359
<v Speaker 1>these things, You know you shouldn't have to ask for

0:05:29.360 --> 0:05:32.320
<v Speaker 1>these types of things, but listen, we do, and I

0:05:32.400 --> 0:05:37.159
<v Speaker 1>think I think Brown Ambition Nation can help create some change.

0:05:37.360 --> 0:05:39.400
<v Speaker 1>So go to my show notes, go to our show

0:05:39.440 --> 0:05:43.120
<v Speaker 1>notes and click our link to our future request, and

0:05:43.160 --> 0:05:44.520
<v Speaker 1>please please please upvote it.

0:05:44.880 --> 0:05:45.839
<v Speaker 2>Up vote, up vote.

0:05:46.640 --> 0:05:48.919
<v Speaker 1>M hmm, let's shame them in our up vote, and

0:05:48.960 --> 0:05:51.200
<v Speaker 1>I like that we're doing that, like use their own process,

0:05:51.400 --> 0:05:53.680
<v Speaker 1>and then if we don't get a response, then we

0:05:53.680 --> 0:05:55.760
<v Speaker 1>can take it to Twitter. So don't go you know,

0:05:55.800 --> 0:05:58.239
<v Speaker 1>if we don't need y'all to like you, just drag

0:05:58.320 --> 0:05:58.920
<v Speaker 1>them on Twitter.

0:05:59.080 --> 0:06:01.960
<v Speaker 2>Just yes, you know, Twitter, it's my go to girl.

0:06:02.640 --> 0:06:04.320
<v Speaker 2>Like I was like, why did I someone remember we

0:06:04.360 --> 0:06:07.359
<v Speaker 2>told a young woman to like to go to Twitter?

0:06:07.480 --> 0:06:09.280
<v Speaker 2>She's like, girl, it worked.

0:06:09.440 --> 0:06:12.479
<v Speaker 1>Yeah out Like me, I mean remember my washing machine saga,

0:06:12.520 --> 0:06:15.480
<v Speaker 1>my dishwasher saga eighteen nineteen.

0:06:15.480 --> 0:06:16.840
<v Speaker 3>I was like, tag me, girl, we gonna go back

0:06:16.880 --> 0:06:18.880
<v Speaker 3>and forth and be like disgusted in open court.

0:06:19.120 --> 0:06:20.360
<v Speaker 2>And they were like, how can we help you?

0:06:20.400 --> 0:06:23.640
<v Speaker 1>I was like, I thought, so right, well, let's see,

0:06:23.760 --> 0:06:25.720
<v Speaker 1>I would like to give them. I think giving them

0:06:25.760 --> 0:06:27.799
<v Speaker 1>a chance to do the right thing first and foremost,

0:06:28.000 --> 0:06:29.840
<v Speaker 1>because it's not like they don't have diverse models.

0:06:29.839 --> 0:06:30.240
<v Speaker 2>They do.

0:06:30.360 --> 0:06:32.760
<v Speaker 1>It's just that you know that you can't quite you

0:06:32.800 --> 0:06:34.760
<v Speaker 1>can't like select, it was just luck of the draw.

0:06:35.080 --> 0:06:37.000
<v Speaker 1>So then I couldn't even pick like women. You know,

0:06:37.080 --> 0:06:39.200
<v Speaker 1>it was like I think there was like a guy,

0:06:39.360 --> 0:06:43.599
<v Speaker 1>like different guys, different women, different hairstyles whatever. But you know,

0:06:43.720 --> 0:06:46.120
<v Speaker 1>so they just need more customization. I think of the models,

0:06:46.440 --> 0:06:48.200
<v Speaker 1>but it's got to be hard, you know, to their defense,

0:06:48.240 --> 0:06:49.400
<v Speaker 1>it's got to be hard to do that in a

0:06:49.440 --> 0:06:51.919
<v Speaker 1>way where you know, you wouldn't have the opposite happening,

0:06:52.160 --> 0:06:55.880
<v Speaker 1>like brands being like, mmm, like we just want only

0:06:55.920 --> 0:06:58.640
<v Speaker 1>white people to buy our products, which I can't imagine

0:06:58.680 --> 0:07:01.840
<v Speaker 1>why because you're really luting lots of money that way exactly.

0:07:02.240 --> 0:07:05.160
<v Speaker 1>But uh, anyhow, what the hell else is going? Oh

0:07:05.160 --> 0:07:06.200
<v Speaker 1>my god, the world's ending.

0:07:06.360 --> 0:07:07.080
<v Speaker 2>Yes, but I was.

0:07:07.040 --> 0:07:12.240
<v Speaker 3>Having because we are focusing on the listeners and we

0:07:12.320 --> 0:07:16.360
<v Speaker 3>basically have a mail bag episode Mailbag.

0:07:17.280 --> 0:07:19.840
<v Speaker 1>All about you guys. So we've had Gusts the past

0:07:19.880 --> 0:07:23.119
<v Speaker 1>couple of weeks and they were two of my favorite shows,

0:07:23.160 --> 0:07:25.120
<v Speaker 1>kind of back to back, but we had just freight

0:07:25.200 --> 0:07:26.600
<v Speaker 1>saying from minority mind.

0:07:26.800 --> 0:07:28.600
<v Speaker 2>How I feel about that? So Le's not.

0:07:28.600 --> 0:07:32.840
<v Speaker 1>Even I'd never heard of him, and it was actually

0:07:32.880 --> 0:07:35.480
<v Speaker 1>really embarrassing from.

0:07:35.080 --> 0:07:36.360
<v Speaker 2>It was my favorite.

0:07:36.480 --> 0:07:39.520
<v Speaker 1>But yeah, no, And if you hear the salivation through

0:07:39.680 --> 0:07:41.440
<v Speaker 1>the through the mic.

0:07:41.400 --> 0:07:44.080
<v Speaker 2>I don't, like I said, it's not just free himself physically.

0:07:44.560 --> 0:07:47.920
<v Speaker 3>It's just like, oh, I just love other financial educators

0:07:47.920 --> 0:07:50.440
<v Speaker 3>and he's one that hasn't been in the brown mix

0:07:50.680 --> 0:07:52.840
<v Speaker 3>as much as like, cause we know basically everyone and

0:07:52.880 --> 0:07:55.200
<v Speaker 3>we're super cool and friends with everyone. So to find

0:07:55.200 --> 0:07:58.440
<v Speaker 3>a new one, someone who really focuses on education is

0:07:58.560 --> 0:08:02.520
<v Speaker 3>so good. But yeah, no, I'm excited for the mail bag.

0:08:02.680 --> 0:08:02.920
<v Speaker 4>Have you.

0:08:03.000 --> 0:08:06.200
<v Speaker 3>I don't know, like, does the baby watch like Elmo

0:08:06.320 --> 0:08:07.920
<v Speaker 3>and like Sesame Streetya?

0:08:08.000 --> 0:08:09.280
<v Speaker 2>He really loves Elma.

0:08:09.360 --> 0:08:10.960
<v Speaker 1>I don't know if I can say he watches it,

0:08:11.040 --> 0:08:13.320
<v Speaker 1>but he's delighted by it about twenty seconds.

0:08:13.320 --> 0:08:15.240
<v Speaker 3>Cause you know, there's like I when I seach preschool,

0:08:15.240 --> 0:08:16.800
<v Speaker 3>we would watch it in the morning as the kids

0:08:16.800 --> 0:08:18.240
<v Speaker 3>that were coming in, and they would be thing.

0:08:18.320 --> 0:08:21.320
<v Speaker 2>It'd be like, Elmo has mail, Elmo has mail, Elmo has.

0:08:21.080 --> 0:08:23.840
<v Speaker 3>Mail, And I feel like, this is what's happening right

0:08:23.880 --> 0:08:25.239
<v Speaker 3>now that Ba has mail?

0:08:25.880 --> 0:08:27.920
<v Speaker 2>Are you sending me things? Oh?

0:08:27.960 --> 0:08:30.080
<v Speaker 1>No, I was just I was hitting the save button.

0:08:30.080 --> 0:08:34.280
<v Speaker 1>I think my computer makes fun clicking noise back. Wait,

0:08:34.320 --> 0:08:35.800
<v Speaker 1>but is this a new setting that I just take

0:08:35.800 --> 0:08:41.880
<v Speaker 1>a screen shop? I'm just trying to save? But okay, whatever, Yes,

0:08:42.040 --> 0:08:42.800
<v Speaker 1>BA has mail.

0:08:42.880 --> 0:08:43.600
<v Speaker 4>BA has mail.

0:08:43.960 --> 0:08:46.320
<v Speaker 2>BA has mail? So do we ever?

0:08:46.640 --> 0:08:49.520
<v Speaker 1>We have email? We have Instagram messages. I dug through

0:08:49.559 --> 0:08:52.080
<v Speaker 1>them all and tried to get a nice little group

0:08:52.120 --> 0:08:53.880
<v Speaker 1>of them, But that does not mean that we're never

0:08:53.920 --> 0:08:55.960
<v Speaker 1>gonna take y'all's questions again. In fact, we were trying

0:08:55.960 --> 0:08:58.800
<v Speaker 1>to come up with even more efficient ways for y'all

0:08:58.800 --> 0:09:02.040
<v Speaker 1>to get your questions on the show. In the meantime, though,

0:09:02.160 --> 0:09:05.120
<v Speaker 1>hit us up Brown Ambition Podcast at gmail dot com,

0:09:05.120 --> 0:09:08.360
<v Speaker 1>Old School, or holler at me on Instagram. We are

0:09:08.400 --> 0:09:12.959
<v Speaker 1>at Brown Ambition Podcast on ig Yes we are. Before

0:09:12.960 --> 0:09:14.520
<v Speaker 1>we get to the mail bag, can we just do

0:09:14.760 --> 0:09:17.520
<v Speaker 1>a quick, quick, quick? I know there's so much. I mean,

0:09:17.679 --> 0:09:19.920
<v Speaker 1>the news is just trying us. And I've been thinking

0:09:19.960 --> 0:09:22.480
<v Speaker 1>so much about doctor Eimani's advice room last week, which

0:09:22.520 --> 0:09:24.920
<v Speaker 1>was like limit yourself to fifteen minutes of news a

0:09:25.000 --> 0:09:27.280
<v Speaker 1>day and just read it on your like news app

0:09:27.280 --> 0:09:30.120
<v Speaker 1>and then stop, because I've turned into that, Like I

0:09:30.240 --> 0:09:33.760
<v Speaker 1>just constantly am asking Google to tell me the news, like, hey, Google,

0:09:33.800 --> 0:09:34.320
<v Speaker 1>what's the news?

0:09:34.440 --> 0:09:34.840
<v Speaker 4>Even if it.

0:09:34.800 --> 0:09:37.720
<v Speaker 1>Hasn't changed, something about it just comforts me. But this

0:09:37.800 --> 0:09:41.920
<v Speaker 1>weekend it was all about RBG. Yeah, Ruth Bader Ginsburg,

0:09:42.320 --> 0:09:45.080
<v Speaker 1>the second woman to ever hold a Supreme Court seat

0:09:45.720 --> 0:09:48.520
<v Speaker 1>and such a champion of equal rights for women in

0:09:48.559 --> 0:09:52.400
<v Speaker 1>her story is just so powerful and she's gone on.

0:09:52.640 --> 0:09:56.520
<v Speaker 1>I know, I just want to take I mean, I'm

0:09:56.760 --> 0:09:58.920
<v Speaker 1>power else if you're out there, you know at one

0:09:58.920 --> 0:10:01.320
<v Speaker 1>of her memorials are all happening all over the country.

0:10:02.760 --> 0:10:05.800
<v Speaker 1>I get people are stressed because, you know, this was

0:10:05.880 --> 0:10:08.000
<v Speaker 1>the fear all along. We were all just praying for

0:10:08.120 --> 0:10:11.719
<v Speaker 1>RBG to survive, you know, Trump's term, so that he

0:10:11.760 --> 0:10:14.320
<v Speaker 1>wouldn't have an opportunity to replace her with someone even

0:10:14.360 --> 0:10:18.680
<v Speaker 1>more conservative. And you know, right before the election she

0:10:18.760 --> 0:10:23.920
<v Speaker 1>passes away. So I don't it's it's sad, but it's

0:10:24.000 --> 0:10:26.920
<v Speaker 1>also just a reminder one of the things that I

0:10:26.960 --> 0:10:29.439
<v Speaker 1>was sort of surprised by. I guess it was a reminder,

0:10:29.440 --> 0:10:32.480
<v Speaker 1>but also it's like I didn't realize, I mean, it

0:10:32.520 --> 0:10:35.319
<v Speaker 1>makes sense so we can decide how many justices sit

0:10:35.360 --> 0:10:38.680
<v Speaker 1>on the Supreme Court. And I follow bon Dair Jones,

0:10:38.720 --> 0:10:42.120
<v Speaker 1>who's a very exciting congressional candidate. He's he's running for

0:10:42.160 --> 0:10:44.160
<v Speaker 1>office in the district we live in New York, and

0:10:44.280 --> 0:10:48.600
<v Speaker 1>he's you know, he's a he's a black man, and

0:10:48.760 --> 0:10:51.360
<v Speaker 1>you know, he's he's very he's just awesome.

0:10:51.400 --> 0:10:52.080
<v Speaker 2>He's a progressive.

0:10:52.160 --> 0:10:55.240
<v Speaker 1>All that he was posting on the GRAM and kind

0:10:55.240 --> 0:10:57.640
<v Speaker 1>of talking about how like, you know, this could be

0:10:57.679 --> 0:11:01.199
<v Speaker 1>a case for increasing the number of justices on the

0:11:01.240 --> 0:11:05.280
<v Speaker 1>Supreme Court, like if the Republicans pushed through their own

0:11:05.320 --> 0:11:07.760
<v Speaker 1>nominee for the Supreme Court, even though that seems like,

0:11:07.840 --> 0:11:09.920
<v Speaker 1>I mean, I want to believe it's unlikely.

0:11:09.480 --> 0:11:10.720
<v Speaker 2>But like let's say it happens.

0:11:10.800 --> 0:11:14.480
<v Speaker 1>Yeah, you know what we could do if Biden wins

0:11:14.559 --> 0:11:17.520
<v Speaker 1>is like ask for more justices. And part of me

0:11:17.600 --> 0:11:22.240
<v Speaker 1>feels like this is a level of like widespread conversation

0:11:22.360 --> 0:11:26.760
<v Speaker 1>and households that just wasn't happening before, like the economic

0:11:26.800 --> 0:11:30.000
<v Speaker 1>like the what do you call it, civic government level

0:11:30.040 --> 0:11:33.040
<v Speaker 1>of conversation we're having, like people need to understand, we

0:11:33.080 --> 0:11:34.960
<v Speaker 1>need to go back to basics, like here are the

0:11:34.960 --> 0:11:38.280
<v Speaker 1>three branches of the government. Here's how they work. And

0:11:38.320 --> 0:11:41.320
<v Speaker 1>I think it all comes back to how important it

0:11:41.360 --> 0:11:44.640
<v Speaker 1>is for people to vote for their elected officials in Congress.

0:11:45.280 --> 0:11:49.120
<v Speaker 1>President great, but like Congress even more important when it

0:11:49.160 --> 0:11:52.520
<v Speaker 1>comes to like making laws and deciding how things are structured,

0:11:52.640 --> 0:11:56.320
<v Speaker 1>like the judicial branch. So that's my little Civics lesson

0:11:56.440 --> 0:11:59.560
<v Speaker 1>for the day, and dot dot dot, I'm just gonna

0:11:59.640 --> 0:12:00.000
<v Speaker 1>leave it there.

0:12:00.679 --> 0:12:03.160
<v Speaker 2>Isn't there there's a movie based upon her life, right,

0:12:03.320 --> 0:12:05.280
<v Speaker 2>what's the movie? Called Netflix.

0:12:05.920 --> 0:12:07.640
<v Speaker 1>I don't remember what it's called, but yeah, it has

0:12:07.679 --> 0:12:11.160
<v Speaker 1>the same ath. I was just remembering, what's the actress's

0:12:11.240 --> 0:12:14.400
<v Speaker 1>name she was in She was in that thing and

0:12:14.480 --> 0:12:15.480
<v Speaker 1>that movie with that guy.

0:12:15.760 --> 0:12:18.280
<v Speaker 2>Oh yeah, the thing, the movie the guy Got It.

0:12:18.559 --> 0:12:20.559
<v Speaker 1>I haven't watched the I haven't watched the film. But

0:12:20.600 --> 0:12:23.320
<v Speaker 1>there was also a documentary. It was like the Year

0:12:23.320 --> 0:12:25.040
<v Speaker 1>of RBG was a couple of years ago, and there

0:12:25.080 --> 0:12:29.040
<v Speaker 1>was a documentary and then the movie. I downloaded her audiobook,

0:12:29.080 --> 0:12:32.800
<v Speaker 1>her memoir or her biography more like from audible, and

0:12:32.840 --> 0:12:36.120
<v Speaker 1>it's good because it's not quite like a traditional memoir.

0:12:36.200 --> 0:12:39.480
<v Speaker 1>She's reading speeches and she's reading like dissenting because she

0:12:39.520 --> 0:12:43.400
<v Speaker 1>was famous for her her dissenting opinions, like writing really

0:12:44.679 --> 0:12:48.040
<v Speaker 1>you know, eloquent justifications for why she wasn't, you know,

0:12:48.120 --> 0:12:52.880
<v Speaker 1>voting against something or not voting ruling against something. But yeah,

0:12:52.920 --> 0:12:56.360
<v Speaker 1>so I recommend her her audiobook if you're wanting to

0:12:56.400 --> 0:12:58.720
<v Speaker 1>do you know, wanting to like bask in the glory

0:12:58.760 --> 0:13:02.600
<v Speaker 1>of her story, but also voting helps vote, it does.

0:13:03.559 --> 0:13:06.520
<v Speaker 1>Please vote, and don't just vote for president and come back,

0:13:07.440 --> 0:13:10.080
<v Speaker 1>come back, come back and vote in the midterms.

0:13:09.840 --> 0:13:12.679
<v Speaker 2>Because that really means the most because here's the thing.

0:13:12.920 --> 0:13:16.520
<v Speaker 3>Your local government is what controls your local life. So

0:13:16.679 --> 0:13:19.080
<v Speaker 3>you want to make sure that you're really voting for

0:13:19.200 --> 0:13:20.840
<v Speaker 3>like what's going to actually happen in your town. That

0:13:21.120 --> 0:13:23.240
<v Speaker 3>not to say, obviously the presidency doesn't have a huge

0:13:23.240 --> 0:13:26.120
<v Speaker 3>effect on your life, but you know who sits on

0:13:26.200 --> 0:13:30.720
<v Speaker 3>your you know, education board, the mayor, your assembly woman,

0:13:30.760 --> 0:13:32.400
<v Speaker 3>those things are super important as well.

0:13:32.960 --> 0:13:36.360
<v Speaker 1>Yeah, one percent, you know what I mean. Not to brag,

0:13:36.400 --> 0:13:38.960
<v Speaker 1>but I emailed my Parks and rec Department today to

0:13:39.000 --> 0:13:41.479
<v Speaker 1>tell them one of the swings at the local playground

0:13:41.520 --> 0:13:44.600
<v Speaker 1>was busted. They replaced it and sent me a picture

0:13:44.600 --> 0:13:47.720
<v Speaker 1>within a few hours. So you know, government working for

0:13:47.800 --> 0:13:51.400
<v Speaker 1>the people. Yes, beautiful. It's just little things like that,

0:13:51.720 --> 0:13:53.880
<v Speaker 1>you know, make a difference. But I do feel like,

0:13:53.920 --> 0:13:55.760
<v Speaker 1>I mean, I'm going to beat this into Rio's head.

0:13:55.760 --> 0:13:57.959
<v Speaker 1>We'll not beat it into but I'm going to make

0:13:58.000 --> 0:14:00.960
<v Speaker 1>sure that he understands it's real when it comes to

0:14:01.040 --> 0:14:04.920
<v Speaker 1>like you're like Congress, your elected officials, your localft officials,

0:14:04.920 --> 0:14:07.760
<v Speaker 1>they really really matter. And so many of them have

0:14:07.880 --> 0:14:10.360
<v Speaker 1>just been serving in this office for decades, years and

0:14:10.400 --> 0:14:12.760
<v Speaker 1>years and years and getting re elected and getting reelected

0:14:12.800 --> 0:14:15.840
<v Speaker 1>and getting reelected because nobody knows any different, and like,

0:14:15.840 --> 0:14:17.679
<v Speaker 1>no one really knows who they are in the first place.

0:14:18.760 --> 0:14:20.560
<v Speaker 1>And yet they're the ones who are going to be

0:14:20.640 --> 0:14:24.640
<v Speaker 1>deciding whether or not Trump is able to appoint a

0:14:24.680 --> 0:14:27.680
<v Speaker 1>new Supreme Court justice to take Rbg's place. Like they're

0:14:27.720 --> 0:14:32.120
<v Speaker 1>the ones who supported Brett Kavanaugh's appointment to the Supreme Court.

0:14:32.600 --> 0:14:35.560
<v Speaker 1>They are the ones who decide if legislation around immigration,

0:14:35.840 --> 0:14:38.680
<v Speaker 1>you know, ultimately gets past Like yeah, the President can

0:14:38.840 --> 0:14:41.240
<v Speaker 1>ultimately veto it, but then it can get kicked back

0:14:41.280 --> 0:14:43.600
<v Speaker 1>to Congress and then they need what a two thirds

0:14:43.600 --> 0:14:46.960
<v Speaker 1>majority and they can override it. So it really really matters.

0:14:47.240 --> 0:14:50.920
<v Speaker 1>And I just hope that this momentum and education, this

0:14:50.960 --> 0:14:53.400
<v Speaker 1>moment that we're at, you know, continues for people.

0:14:53.800 --> 0:14:56.520
<v Speaker 2>Yeah, I agree too. Youp oh my.

0:14:56.520 --> 0:14:58.400
<v Speaker 1>God, what's going to happen to the Affordable Care Act?

0:14:58.520 --> 0:15:01.560
<v Speaker 2>Oh my gosh. People are saying it's a done deal.

0:15:02.400 --> 0:15:06.280
<v Speaker 3>Honestly, I just I was talking to my sister about it,

0:15:06.320 --> 0:15:11.000
<v Speaker 3>and it's so important that you look towards yourself. You

0:15:11.120 --> 0:15:13.720
<v Speaker 3>are the superhero you're waiting for. You're going to have

0:15:13.760 --> 0:15:16.800
<v Speaker 3>to save yourself. We need to get you know, Like, honestly,

0:15:16.800 --> 0:15:18.440
<v Speaker 3>all the stuff that Mandy and I have been talking about,

0:15:18.440 --> 0:15:21.080
<v Speaker 3>which I love your comments when you guys reply like,

0:15:21.120 --> 0:15:21.920
<v Speaker 3>oh my gosh.

0:15:21.640 --> 0:15:24.480
<v Speaker 2>You know I'm saving more, I'm investing more. I'm you know.

0:15:25.280 --> 0:15:28.560
<v Speaker 3>And Mandy, I just sent Helen of my mentee Eacy

0:15:28.720 --> 0:15:32.200
<v Speaker 3>just signed up with Helen because because she was telling

0:15:32.200 --> 0:15:34.080
<v Speaker 3>me about a financial advisor who was like, yeah, he's

0:15:34.080 --> 0:15:36.720
<v Speaker 3>only gonna charge two percent, and he also wants this

0:15:36.760 --> 0:15:39.880
<v Speaker 3>fee and that Field was like, yeah, no, you know.

0:15:40.080 --> 0:15:42.400
<v Speaker 3>I was like, here are three of my faves, Helen

0:15:42.440 --> 0:15:45.640
<v Speaker 3>being one of them, Angelie who's my financial planner, my

0:15:45.680 --> 0:15:48.640
<v Speaker 3>certified financial planner, and there's another woman named Amy Irving

0:15:48.680 --> 0:15:50.840
<v Speaker 3>whoeverally like as well. And so I was like, you know,

0:15:51.000 --> 0:15:52.920
<v Speaker 3>because you want to interview more than one interview three

0:15:53.000 --> 0:15:55.960
<v Speaker 3>She loved Helen and I was like, yeah, rightfully so,

0:15:56.000 --> 0:15:57.080
<v Speaker 3>because Helen is dope.

0:15:57.240 --> 0:16:00.320
<v Speaker 2>But basically, you have to be your own superhero. I

0:16:00.360 --> 0:16:02.200
<v Speaker 2>mean you have to.

0:16:03.040 --> 0:16:05.000
<v Speaker 3>There's some things that are beyond your control, but the

0:16:05.040 --> 0:16:08.720
<v Speaker 3>things that are within your control stocking up, making sure

0:16:08.720 --> 0:16:11.400
<v Speaker 3>you have enough savings, making sure you're investing for the future,

0:16:11.800 --> 0:16:13.920
<v Speaker 3>taking care of you and your family, because it's just

0:16:14.840 --> 0:16:17.560
<v Speaker 3>I don't know what else we could do. It's scary times, honestly,

0:16:17.640 --> 0:16:21.040
<v Speaker 3>and if you don't, if you're waiting on something to

0:16:21.160 --> 0:16:24.240
<v Speaker 3>save you, it's not coming. You are going to have

0:16:24.280 --> 0:16:26.080
<v Speaker 3>to save you. You are going to have to look inward.

0:16:26.120 --> 0:16:27.400
<v Speaker 3>And we're going to have to look inward as a

0:16:27.440 --> 0:16:31.680
<v Speaker 3>community to build things up for ourselves, to create safe

0:16:31.720 --> 0:16:36.360
<v Speaker 3>spaces for ourselves, to create opportunities to make income, to

0:16:36.440 --> 0:16:39.040
<v Speaker 3>support our families, for ourselves. So that's why we're here.

0:16:39.040 --> 0:16:41.120
<v Speaker 3>That's what Brown Ambition is really all about. It's like,

0:16:41.560 --> 0:16:46.360
<v Speaker 3>you know that the ambition part is like growth, it's success.

0:16:46.520 --> 0:16:49.000
<v Speaker 3>It's living the life that you're wanting to live, and

0:16:49.200 --> 0:16:53.600
<v Speaker 3>us trying to provide examples and encouragement and support and

0:16:53.800 --> 0:16:56.720
<v Speaker 3>suggestions on your way on that journey. So yeah, you

0:16:56.800 --> 0:16:58.840
<v Speaker 3>got to lean into Brown Ambition now more than ever.

0:16:59.200 --> 0:17:01.600
<v Speaker 1>So what you're saying is we should pool our resources

0:17:01.760 --> 0:17:05.720
<v Speaker 1>Brown Ambition Nation and buy land and then create a

0:17:05.800 --> 0:17:10.120
<v Speaker 1>community called Brown Ambition. We be Brown Ambition Topia. Did

0:17:10.119 --> 0:17:10.720
<v Speaker 1>you hear about that.

0:17:11.320 --> 0:17:14.359
<v Speaker 2>Georgia, Yes, I en Georgia, I do. I'm trying.

0:17:14.440 --> 0:17:16.399
<v Speaker 1>The number nineteen is coming to mind. Is that nineteen

0:17:16.440 --> 0:17:20.240
<v Speaker 1>people or nineteen thout acres or whatever, But a lot

0:17:20.280 --> 0:17:23.360
<v Speaker 1>of people decided to buy lots of land and they're

0:17:23.400 --> 0:17:25.880
<v Speaker 1>planning on building what like a No. Eight, like basically

0:17:25.960 --> 0:17:30.439
<v Speaker 1>the Waconda of Georgia. Sounds magical. Yeah, that sound magical.

0:17:31.160 --> 0:17:33.919
<v Speaker 1>Mean whether or not that goes anywhere, that concept, I

0:17:33.960 --> 0:17:36.040
<v Speaker 1>was just I was explaining to my little brother because

0:17:36.119 --> 0:17:38.679
<v Speaker 1>he was thinking, you know, he owns his own condo

0:17:38.760 --> 0:17:40.160
<v Speaker 1>and something.

0:17:40.160 --> 0:17:41.800
<v Speaker 2>Whatever, society whoever.

0:17:41.960 --> 0:17:44.680
<v Speaker 1>He had gotten this impression that like owning real estate

0:17:44.760 --> 0:17:47.600
<v Speaker 1>or being a landlord was like something bad or had

0:17:47.640 --> 0:17:49.720
<v Speaker 1>like a negative connotation to it. And I was like, listen,

0:17:50.240 --> 0:17:53.080
<v Speaker 1>that is that is what we need. Property is everything.

0:17:53.119 --> 0:17:55.520
<v Speaker 1>Property is what was stolen from our ancestors. Property is

0:17:55.560 --> 0:17:57.679
<v Speaker 1>what's so hard to attain today. And if you've got it,

0:17:57.720 --> 0:17:59.160
<v Speaker 1>we've got to hold on to it and make sure

0:17:59.200 --> 0:18:02.400
<v Speaker 1>that others who look like us can achieve it. And

0:18:02.520 --> 0:18:05.160
<v Speaker 1>that's why I love that story out of Georgia, that community,

0:18:05.200 --> 0:18:07.000
<v Speaker 1>you know, whatever they decide to put there, at the

0:18:07.080 --> 0:18:09.040
<v Speaker 1>end of the day, black people own it. Black wealth

0:18:09.119 --> 0:18:11.840
<v Speaker 1>is being created. I love that a beautiful thing.

0:18:12.440 --> 0:18:15.400
<v Speaker 2>Okay, are you ready for questions?

0:18:15.680 --> 0:18:19.600
<v Speaker 1>I'm ready to dump out my mail bag. And before

0:18:19.600 --> 0:18:21.320
<v Speaker 1>we do that, let's take a quick quick.

0:18:21.119 --> 0:18:55.639
<v Speaker 4>Break and we are back.

0:18:55.960 --> 0:19:01.320
<v Speaker 2>Let me take up that mail bag shake.

0:18:59.480 --> 0:19:02.040
<v Speaker 1>Chic does the things on the internet rattle and shake.

0:19:02.600 --> 0:19:03.840
<v Speaker 2>I thought that's true.

0:19:04.080 --> 0:19:08.240
<v Speaker 1>Our mail gage would be oh just all over the place.

0:19:08.520 --> 0:19:08.760
<v Speaker 2>Yep.

0:19:08.800 --> 0:19:11.480
<v Speaker 1>So once again we're a brownibisionpodcast at gmail dot com

0:19:11.600 --> 0:19:14.640
<v Speaker 1>or at Brianabission podcast on IG.

0:19:15.000 --> 0:19:18.800
<v Speaker 3>Yes, and remember that we are your financial friends, not

0:19:18.880 --> 0:19:23.040
<v Speaker 3>your financial guru, not your financial planner, not your financial advisor,

0:19:23.119 --> 0:19:25.840
<v Speaker 3>which is financial friends that are just talking amongst each other.

0:19:26.440 --> 0:19:29.520
<v Speaker 3>And this is not meant to be substitute for advice

0:19:29.720 --> 0:19:32.719
<v Speaker 3>from your personal financial advisor.

0:19:33.640 --> 0:19:37.400
<v Speaker 1>Oh thank you for reading that fine print so well said.

0:19:37.160 --> 0:19:39.199
<v Speaker 2>In other words, to your grandma, not us.

0:19:39.440 --> 0:19:43.560
<v Speaker 1>Yeah, financial gurus, not your your financial girlfriends, not your gurus.

0:19:43.760 --> 0:19:43.920
<v Speaker 4>Kay.

0:19:44.680 --> 0:19:46.720
<v Speaker 1>And shout out to the brown Ambison listener who sent

0:19:46.760 --> 0:19:49.639
<v Speaker 1>me like like probably a few thousand words in this

0:19:49.720 --> 0:19:53.199
<v Speaker 1>email and literally had gone back and she listens. She

0:19:53.200 --> 0:19:56.240
<v Speaker 1>started listening to episode thirty eight in May, and now

0:19:56.280 --> 0:19:59.280
<v Speaker 1>she has caught up. She has listened to two hundred episodes.

0:20:00.040 --> 0:20:02.840
<v Speaker 1>I am overwhelmed on her behalf. That is amazing.

0:20:02.840 --> 0:20:03.399
<v Speaker 2>I'm going to go.

0:20:03.680 --> 0:20:06.280
<v Speaker 1>I just I read the email. It was so so long,

0:20:06.320 --> 0:20:08.480
<v Speaker 1>but she literally had quoted you Tiffany saying that she

0:20:08.560 --> 0:20:10.000
<v Speaker 1>was like, you need to put this on your shirts.

0:20:10.440 --> 0:20:13.040
<v Speaker 1>We are your financial gurus or sorry, your financial girlfriends,

0:20:13.119 --> 0:20:15.840
<v Speaker 1>not your gurus. And I thought that was really sweet.

0:20:15.880 --> 0:20:16.880
<v Speaker 1>So thanks for listening.

0:20:16.960 --> 0:20:17.600
<v Speaker 2>Yeah, thank you.

0:20:18.119 --> 0:20:20.760
<v Speaker 1>All right, so this to listen our first question. We

0:20:20.840 --> 0:20:24.119
<v Speaker 1>have quite a few on investing, which was great to see.

0:20:24.200 --> 0:20:26.320
<v Speaker 1>So this comes from Instagram user. Her name is b

0:20:26.600 --> 0:20:30.439
<v Speaker 1>She says, hey girl, hey, al I bank used to

0:20:30.480 --> 0:20:33.480
<v Speaker 1>offer its customers great interest rates for savings and now

0:20:33.520 --> 0:20:36.280
<v Speaker 1>it's down to zero point one percent. Okay, that's not

0:20:36.440 --> 0:20:40.040
<v Speaker 1>entirely true. I think as of this recording, it's what

0:20:40.400 --> 0:20:43.080
<v Speaker 1>zero point six percent? But any who get your point

0:20:43.160 --> 0:20:45.840
<v Speaker 1>is down low? What is your perspective on taking some

0:20:46.000 --> 0:20:49.520
<v Speaker 1>money from savings and putting it towards stocks? Maybe Apple

0:20:49.600 --> 0:20:54.760
<v Speaker 1>or the Tesla's stock split, or an ETN what's an etend?

0:20:55.000 --> 0:20:59.359
<v Speaker 1>She part with EF Oh, okay, thanks, that's like I

0:20:59.400 --> 0:21:01.520
<v Speaker 1>was really ready to just learn a new acronym that

0:21:01.600 --> 0:21:04.560
<v Speaker 1>I did not know, an easyf to instrure my money

0:21:04.600 --> 0:21:08.440
<v Speaker 1>is working for me. Yep, that's absolutely true. The FED

0:21:08.600 --> 0:21:11.160
<v Speaker 1>and the FED actually announced last week. This is Mandy

0:21:11.200 --> 0:21:14.000
<v Speaker 1>answering the question. The FED announced what last week at

0:21:14.000 --> 0:21:16.800
<v Speaker 1>their most recent meeting that they well they didn't announce it,

0:21:16.800 --> 0:21:19.840
<v Speaker 1>but the chair of the FED did say probably interest

0:21:19.880 --> 0:21:21.679
<v Speaker 1>rates will be where they are now, which is very

0:21:21.720 --> 0:21:26.840
<v Speaker 1>close to zero through twenty twenty three. No, yeah, a

0:21:26.920 --> 0:21:30.199
<v Speaker 1>long time, a long time of low savings.

0:21:30.280 --> 0:21:32.360
<v Speaker 3>Right, I'm not here for a long time. I'm here

0:21:32.400 --> 0:21:37.159
<v Speaker 3>for a good time, okay, Drake, No, yeah, So I

0:21:37.200 --> 0:21:38.800
<v Speaker 3>can tackle this a little bit. Of course, we could

0:21:38.840 --> 0:21:40.840
<v Speaker 3>jump in tag team. So here's the thing.

0:21:40.960 --> 0:21:41.400
<v Speaker 2>First things.

0:21:41.400 --> 0:21:45.040
<v Speaker 3>First, people look at savings, it's like this wasted money. No,

0:21:45.119 --> 0:21:48.919
<v Speaker 3>it's called risk management. So I would keep because what

0:21:48.960 --> 0:21:52.040
<v Speaker 3>the FED is saying is we think things are gonna

0:21:52.040 --> 0:21:54.520
<v Speaker 3>be bad for a while. Don't look at the The

0:21:54.800 --> 0:21:57.760
<v Speaker 3>stock market is crazy. The stock market is a two

0:21:57.840 --> 0:21:59.600
<v Speaker 3>year old. It doesn't know what's happening. It just goes

0:21:59.680 --> 0:22:02.720
<v Speaker 3>up and based upon people's wins. It's really the economy

0:22:02.720 --> 0:22:05.199
<v Speaker 3>you're wanting to look at. And nobody is studying their

0:22:05.200 --> 0:22:07.960
<v Speaker 3>economy more closely than the Fed. And then the Fed

0:22:08.040 --> 0:22:10.560
<v Speaker 3>is saying we're keeping interest rates to the slow is

0:22:10.560 --> 0:22:15.400
<v Speaker 3>because they are trying to minimize some of some damage

0:22:15.400 --> 0:22:18.160
<v Speaker 3>they seek coming. So what that means is I would

0:22:18.200 --> 0:22:22.280
<v Speaker 3>hunker down, keep six months of your emergency savings. So

0:22:22.440 --> 0:22:24.240
<v Speaker 3>I call it your noodle budget or if you had

0:22:24.240 --> 0:22:26.040
<v Speaker 3>to eat ramen noodle budget, if you had to get

0:22:26.080 --> 0:22:28.360
<v Speaker 3>rid of all the extra, how much would your life

0:22:28.359 --> 0:22:31.040
<v Speaker 3>costs you a month? Multiply that time six keep it

0:22:31.040 --> 0:22:33.560
<v Speaker 3>in savings. It's not about making money off that savings.

0:22:33.640 --> 0:22:36.040
<v Speaker 3>It's about if I lose my job, I have six

0:22:36.119 --> 0:22:39.639
<v Speaker 3>months to one cut out all the excess and to

0:22:39.840 --> 0:22:41.800
<v Speaker 3>live for six months while I try to figure out

0:22:41.800 --> 0:22:43.520
<v Speaker 3>what to do. So don't think about that money as

0:22:43.560 --> 0:22:46.360
<v Speaker 3>wasted money. It's your insurance policy. So put that up.

0:22:46.880 --> 0:22:47.880
<v Speaker 3>Do you have excess?

0:22:48.280 --> 0:22:51.360
<v Speaker 2>Awesome? Then I totally agree. Now here's the thing.

0:22:51.880 --> 0:22:54.560
<v Speaker 3>If you are not already invested in stocks, if you

0:22:54.560 --> 0:22:56.200
<v Speaker 3>are not willing to do the research. I'm not talking

0:22:56.200 --> 0:22:58.320
<v Speaker 3>about like you know, the husband research, which you know

0:22:58.520 --> 0:23:00.159
<v Speaker 3>my hubby does too, like heard about app but we

0:23:00.200 --> 0:23:03.919
<v Speaker 3>should get some that'sy research. If you're not willing to

0:23:03.920 --> 0:23:07.040
<v Speaker 3>do like the research research, Honestly, what I would choose

0:23:07.160 --> 0:23:12.560
<v Speaker 3>is a total market index fund. There is Vanguard has

0:23:12.560 --> 0:23:15.320
<v Speaker 3>a has one that kind like in the last I

0:23:15.359 --> 0:23:17.119
<v Speaker 3>don't know. I think it's like maybe twenty years or

0:23:17.160 --> 0:23:19.520
<v Speaker 3>something like that. So for turn like, don't quote me.

0:23:19.560 --> 0:23:22.080
<v Speaker 3>I think it's anywhere from fifteen to twenty percent. It's

0:23:22.119 --> 0:23:26.000
<v Speaker 3>actually most index funds are. Well, let's explain what an

0:23:26.000 --> 0:23:30.359
<v Speaker 3>index fund is, Mandy right. So an index fund is

0:23:30.480 --> 0:23:34.240
<v Speaker 3>a fund that mirrors a market. So a market is

0:23:34.240 --> 0:23:36.439
<v Speaker 3>like the S and P five hundred, the Dow Jones,

0:23:36.440 --> 0:23:39.919
<v Speaker 3>a NASDAC. So an index fund, it's meant to mirror

0:23:39.960 --> 0:23:41.760
<v Speaker 3>the market to do if the market goes up, you

0:23:41.760 --> 0:23:44.240
<v Speaker 3>go up. The market goes down, you go down, and

0:23:44.359 --> 0:23:47.199
<v Speaker 3>the market always goes up over time. It might go

0:23:47.320 --> 0:23:49.440
<v Speaker 3>up and down on its way there, but over the

0:23:49.560 --> 0:23:52.680
<v Speaker 3>last hundred years, the market has always gone up. The

0:23:52.760 --> 0:23:55.240
<v Speaker 3>last hundred years about ten percent, but really the last

0:23:55.280 --> 0:23:57.240
<v Speaker 3>thirty years seventy eight percent on average.

0:23:57.280 --> 0:24:00.159
<v Speaker 2>So an index fund just does what the market does.

0:24:00.359 --> 0:24:03.960
<v Speaker 3>So it doesn't require you to know how to pick

0:24:03.960 --> 0:24:05.840
<v Speaker 3>a stock, because an index fund is going to be

0:24:05.920 --> 0:24:08.920
<v Speaker 3>kind of like a basket of different investments, so you

0:24:08.920 --> 0:24:10.520
<v Speaker 3>don't have to pick individual ones.

0:24:10.520 --> 0:24:11.720
<v Speaker 2>You could just follow the market.

0:24:11.880 --> 0:24:17.240
<v Speaker 3>So I would choose a total market index fund normally,

0:24:17.280 --> 0:24:20.959
<v Speaker 3>I would say in ETF, which is a basket that

0:24:21.000 --> 0:24:23.760
<v Speaker 3>you can trade like stocks, like a basket of investments

0:24:23.800 --> 0:24:26.919
<v Speaker 3>you can trade like a stock because typically ets are

0:24:27.160 --> 0:24:31.520
<v Speaker 3>passively managed, meaning like an algorithm picks the stocks for you,

0:24:31.560 --> 0:24:34.200
<v Speaker 3>and it keeps the expense the feed, which is called

0:24:34.200 --> 0:24:35.159
<v Speaker 3>the expense ratio.

0:24:35.280 --> 0:24:36.560
<v Speaker 2>It keeps that fee low.

0:24:37.080 --> 0:24:42.640
<v Speaker 3>But there's actually a passively managed mutual total market fund. Now,

0:24:42.760 --> 0:24:47.800
<v Speaker 3>mutual funds are usually not passively managed. They're typically actively managed,

0:24:47.920 --> 0:24:50.679
<v Speaker 3>meaning there's a human being that's making the choices and

0:24:50.720 --> 0:24:54.920
<v Speaker 3>therefore the fees the expense ratio is higher. But Vanguard's

0:24:55.119 --> 0:24:58.840
<v Speaker 3>Total Market Index fund is actually passively managed, which is

0:24:58.840 --> 0:25:01.000
<v Speaker 3>not typical, which means fees are really low. So I

0:25:01.000 --> 0:25:03.120
<v Speaker 3>would look, I think it's like VT. Let me get

0:25:03.119 --> 0:25:05.360
<v Speaker 3>what it's the Vanguard Vanguard.

0:25:05.400 --> 0:25:09.320
<v Speaker 1>I'm going to be stacks. What is it vtv BT, SAX,

0:25:09.760 --> 0:25:11.600
<v Speaker 1>So I have to say v stocks even though the

0:25:11.680 --> 0:25:12.840
<v Speaker 1>S comes after.

0:25:13.920 --> 0:25:15.120
<v Speaker 2>So I would put my money there.

0:25:15.320 --> 0:25:18.040
<v Speaker 3>Or if not Vanguard, I think Fidality has a total

0:25:18.080 --> 0:25:20.800
<v Speaker 3>market fund, and I think Charles Schwab has a total

0:25:20.800 --> 0:25:23.040
<v Speaker 3>market fund. Basically, I would just invest in the market.

0:25:23.040 --> 0:25:26.199
<v Speaker 3>If you're not out here studying stocks where you can

0:25:26.359 --> 0:25:28.440
<v Speaker 3>you know, feel like, okay, I'm really studying like p

0:25:28.600 --> 0:25:30.840
<v Speaker 3>eBay shields and all this other stocky stuff. If you're

0:25:30.840 --> 0:25:32.600
<v Speaker 3>not going to do that. I would just put my

0:25:32.640 --> 0:25:36.080
<v Speaker 3>money in an index fund because the money is going

0:25:36.119 --> 0:25:38.399
<v Speaker 3>to grow. The stock market always goes up. But know

0:25:38.960 --> 0:25:41.879
<v Speaker 3>that it's a long term investment. You're not, you know,

0:25:41.920 --> 0:25:44.520
<v Speaker 3>looking to make money like tomorrow. Yeah, one hundred percent.

0:25:44.560 --> 0:25:46.879
<v Speaker 3>I would just say, like, your savings is for money

0:25:46.880 --> 0:25:48.720
<v Speaker 3>that you might need tomorrow. If you want to put

0:25:48.720 --> 0:25:50.879
<v Speaker 3>money in the market, you've got to get really comfortable

0:25:51.000 --> 0:25:53.760
<v Speaker 3>with potentially seeing that money go up and down because

0:25:53.760 --> 0:25:56.280
<v Speaker 3>it's a long term investment. So just make sure that

0:25:56.320 --> 0:25:59.120
<v Speaker 3>where you're putting your money aligns with your long your

0:25:59.160 --> 0:26:02.440
<v Speaker 3>goals in the life or the short term. And did

0:26:02.840 --> 0:26:06.000
<v Speaker 3>when Tiffany mentioned the specific index fund, I was like,

0:26:06.359 --> 0:26:08.760
<v Speaker 3>just to remind y'all wet to hear the angel girlfriends

0:26:08.800 --> 0:26:11.080
<v Speaker 3>not your gurus. So you have to make the best

0:26:11.160 --> 0:26:13.639
<v Speaker 3>choice for you and do your own research. But you know,

0:26:13.720 --> 0:26:16.080
<v Speaker 3>in general, yeah, index funds make sense and they're a

0:26:16.080 --> 0:26:18.719
<v Speaker 3>great way to invest. The only difference, like the main difference,

0:26:18.720 --> 0:26:21.520
<v Speaker 3>like Tiffany said, between an ETF and an index fund,

0:26:21.560 --> 0:26:23.639
<v Speaker 3>is that you can trade an ETF all the time.

0:26:24.320 --> 0:26:26.520
<v Speaker 3>You can trade it like a stock basically, so if

0:26:26.560 --> 0:26:28.280
<v Speaker 3>you want to, if you want to you know, be

0:26:28.359 --> 0:26:31.320
<v Speaker 3>trading an ETF, then we're trading you know, your index

0:26:31.359 --> 0:26:34.240
<v Speaker 3>fund or trading a fund of funds. Then ETF is

0:26:34.240 --> 0:26:35.480
<v Speaker 3>the way to go. But if you just want to

0:26:35.520 --> 0:26:37.639
<v Speaker 3>set it and forget it, an index fund, a.

0:26:37.680 --> 0:26:39.080
<v Speaker 2>Mutual fund is like the way to go.

0:26:39.280 --> 0:26:42.359
<v Speaker 3>But just make sure, like ideally it's passively managed because

0:26:42.800 --> 0:26:44.879
<v Speaker 3>the closer, the more human being has to touch it,

0:26:44.920 --> 0:26:46.520
<v Speaker 3>the more they're going to charge you. So if it's

0:26:46.520 --> 0:26:49.600
<v Speaker 3>passively managed, like like like we mentioned the VT the

0:26:49.640 --> 0:26:53.160
<v Speaker 3>fe stacks, then you know you're you're an expense ratio,

0:26:53.280 --> 0:26:55.399
<v Speaker 3>your fee is going to be much lower. So and

0:26:55.720 --> 0:26:57.120
<v Speaker 3>I just say, like to me, I have a five

0:26:57.200 --> 0:26:58.880
<v Speaker 3>year ruld. Do I need this money for five years?

0:26:58.920 --> 0:27:00.600
<v Speaker 3>Then don't put it into the market. One.

0:27:01.160 --> 0:27:04.159
<v Speaker 1>That's a good one. All right, Let's take another one.

0:27:04.200 --> 0:27:07.480
<v Speaker 1>This comes from Instagram listener. Her name's Nikia. She says,

0:27:07.480 --> 0:27:09.840
<v Speaker 1>the ladies, I have a short question. Would you recommend

0:27:09.920 --> 0:27:11.960
<v Speaker 1>a pre tax for a one k or a wroth

0:27:12.000 --> 0:27:13.359
<v Speaker 1>for a one k? Do you think it's a good

0:27:13.400 --> 0:27:14.280
<v Speaker 1>idea to have both?

0:27:14.640 --> 0:27:14.880
<v Speaker 2>Thanks?

0:27:14.880 --> 0:27:16.480
<v Speaker 1>I'm glad I found your podcast and I share it

0:27:16.480 --> 0:27:16.959
<v Speaker 1>with everyone.

0:27:17.040 --> 0:27:17.600
<v Speaker 2>Oh, thank you.

0:27:17.640 --> 0:27:21.520
<v Speaker 1>Tell a friend to telefriend, Yes, classic pre wroth for

0:27:21.640 --> 0:27:23.760
<v Speaker 1>a one K or a regular four oh one K.

0:27:25.000 --> 0:27:27.359
<v Speaker 2>Yeah, what do you think to Well, this is what

0:27:27.440 --> 0:27:27.879
<v Speaker 2>I say.

0:27:28.040 --> 0:27:30.000
<v Speaker 3>One if I had a four to one K that

0:27:30.080 --> 0:27:32.560
<v Speaker 3>had a match, girl, get your money. So a match

0:27:32.640 --> 0:27:35.080
<v Speaker 3>is when like your company says, you put in money,

0:27:35.080 --> 0:27:37.440
<v Speaker 3>and I put in some money too. Sometimes they match directly,

0:27:37.520 --> 0:27:38.880
<v Speaker 3>like you know, you put in two percent, I put

0:27:38.920 --> 0:27:41.000
<v Speaker 3>in two percent, and sometimes it's like if you put

0:27:41.000 --> 0:27:43.119
<v Speaker 3>in up to six percent, I put in three percent.

0:27:43.200 --> 0:27:46.160
<v Speaker 3>Either way, the rule typically is you put in money,

0:27:46.240 --> 0:27:48.879
<v Speaker 3>I put in money. So if your company has a match,

0:27:49.160 --> 0:27:52.240
<v Speaker 3>get your match money, because basically it's free money once

0:27:52.280 --> 0:27:56.400
<v Speaker 3>you meet your match. Then mosey on over to Roth

0:27:56.440 --> 0:27:58.960
<v Speaker 3>Ira Land and right now, Mandy, isn't it six thousand

0:27:58.960 --> 0:28:00.800
<v Speaker 3>dollars the max for byways? Right now?

0:28:00.800 --> 0:28:03.080
<v Speaker 2>If you're under fifty, I think it's sixty. Well that's

0:28:03.119 --> 0:28:03.639
<v Speaker 2>an IRA.

0:28:03.840 --> 0:28:06.080
<v Speaker 1>Yeah, So she's talking about just the distinction with a

0:28:06.080 --> 0:28:09.040
<v Speaker 1>four oh one K that's provided through your employer, and

0:28:09.119 --> 0:28:12.200
<v Speaker 1>that limit is higher. So right now for a pre

0:28:12.320 --> 0:28:16.000
<v Speaker 1>tax four one K and a ROID right, yeah, it's

0:28:16.040 --> 0:28:18.720
<v Speaker 1>like nineteen thousand or something like that. But the key

0:28:18.760 --> 0:28:22.119
<v Speaker 1>difference is that pre tax obviously your money goes in,

0:28:22.200 --> 0:28:25.480
<v Speaker 1>you get to you earn, you don't pay taxes on

0:28:25.520 --> 0:28:28.760
<v Speaker 1>anything until you take it out in retirement. And with

0:28:28.840 --> 0:28:32.280
<v Speaker 1>the wroth four to one K, you're paying taxes upfront.

0:28:32.480 --> 0:28:37.880
<v Speaker 1>And usually they say they expert people say wroth makes

0:28:37.920 --> 0:28:40.880
<v Speaker 1>sense if you think you'll be in a higher tax

0:28:40.880 --> 0:28:43.200
<v Speaker 1>bracket later on. And so I definitely had a wroth

0:28:43.200 --> 0:28:45.200
<v Speaker 1>when I was early in my career because I was

0:28:45.200 --> 0:28:47.440
<v Speaker 1>in a lower tax bracket because I wasn't making lack

0:28:47.520 --> 0:28:50.440
<v Speaker 1>no money, and it made sense for me to pay

0:28:50.480 --> 0:28:53.200
<v Speaker 1>taxes upfront because you know my taxes will be a

0:28:53.240 --> 0:28:53.800
<v Speaker 1>lot lower.

0:28:53.960 --> 0:28:55.520
<v Speaker 2>You know. Of course, you can't predict the future.

0:28:55.520 --> 0:28:58.120
<v Speaker 1>Who knows, But I did have a wroth before, and

0:28:58.120 --> 0:29:00.880
<v Speaker 1>then I've shifted to a pre pre tax four one

0:29:00.960 --> 0:29:04.680
<v Speaker 1>K as i've as I've started to earn more my career.

0:29:04.720 --> 0:29:06.760
<v Speaker 3>I both to have a mix. I think that you

0:29:06.800 --> 0:29:08.520
<v Speaker 3>should have your phone K money up to the match

0:29:08.520 --> 0:29:10.600
<v Speaker 3>because here's the thing about a wroth is that that

0:29:10.960 --> 0:29:13.560
<v Speaker 3>once you get to one hundred and thirty nine thousand

0:29:13.600 --> 0:29:15.760
<v Speaker 3>dollars as a single person, you cannot contribute to a

0:29:15.840 --> 0:29:18.960
<v Speaker 3>roth anymore. So that opportunity to have money that you

0:29:19.000 --> 0:29:21.680
<v Speaker 3>can take out tax free later because you paid taxes.

0:29:21.840 --> 0:29:25.480
<v Speaker 3>The way retirement accounts work is that you either pay

0:29:25.600 --> 0:29:28.680
<v Speaker 3>taxes now and then take out tax free later, or

0:29:29.400 --> 0:29:32.360
<v Speaker 3>you pay taxes later and you put your money in

0:29:32.440 --> 0:29:34.400
<v Speaker 3>tax free now. And so it's nice to have a

0:29:34.440 --> 0:29:36.840
<v Speaker 3>mix in retirement, to have some money that's taxed and

0:29:37.280 --> 0:29:39.600
<v Speaker 3>you know, and then some money that's that's not tax

0:29:39.640 --> 0:29:43.120
<v Speaker 3>because you already paid it. So I like, for because

0:29:43.200 --> 0:29:46.160
<v Speaker 3>roths are six thousand dollars is a lot of money,

0:29:46.200 --> 0:29:49.080
<v Speaker 3>but it's not if you could take advantage of a wroth,

0:29:49.120 --> 0:29:51.480
<v Speaker 3>take advantage after you've met your match to your form

0:29:51.480 --> 0:29:53.400
<v Speaker 3>and one K. So I would four one K up

0:29:53.440 --> 0:29:56.880
<v Speaker 3>to match right up to the match, then hit up

0:29:56.920 --> 0:29:59.520
<v Speaker 3>wroth up to that six thousand. If you're under fifty,

0:29:59.560 --> 0:30:02.719
<v Speaker 3>then to a four to one K to continue contributing.

0:30:02.920 --> 0:30:06.360
<v Speaker 3>This is just like what my financial certified financial planner

0:30:06.480 --> 0:30:09.480
<v Speaker 3>suggested for us, like to have money on both sides

0:30:09.480 --> 0:30:10.360
<v Speaker 3>of the tax equation.

0:30:11.560 --> 0:30:13.280
<v Speaker 2>So that's what I would suggest, honest.

0:30:13.280 --> 0:30:16.160
<v Speaker 3>It's to kind of seesaw back back and forth because

0:30:16.160 --> 0:30:19.680
<v Speaker 3>to Manny's point, you know, with a wroth, you know

0:30:19.720 --> 0:30:22.040
<v Speaker 3>that's money you get to pull out tax free. Leader

0:30:22.080 --> 0:30:24.160
<v Speaker 3>you don't know what you're your taxes are going to

0:30:24.200 --> 0:30:26.960
<v Speaker 3>be uh later, but you get to pull them out later,

0:30:27.000 --> 0:30:30.800
<v Speaker 3>and having a mix of different type of tax money

0:30:31.160 --> 0:30:32.920
<v Speaker 3>is really going to be helpful in retirement.

0:30:32.960 --> 0:30:36.560
<v Speaker 2>So I like the I like the seesaw. Yeah. Absolutely.

0:30:36.840 --> 0:30:39.880
<v Speaker 1>Ultimately, though, Nikiya, I would say, if you have access

0:30:39.920 --> 0:30:42.480
<v Speaker 1>to a four oh one K, don't hemmin haw too much,

0:30:42.560 --> 0:30:44.800
<v Speaker 1>Like you should do some research, but at least put

0:30:44.800 --> 0:30:47.280
<v Speaker 1>something somewhere. Yes, you can't go wrong by putting money

0:30:47.280 --> 0:30:48.720
<v Speaker 1>away in your four O one K. Just don't want

0:30:48.720 --> 0:30:50.480
<v Speaker 1>you to be holding on to funds because you're not

0:30:50.520 --> 0:30:53.240
<v Speaker 1>sure you want to pick the exact right account. There's

0:30:53.320 --> 0:30:55.560
<v Speaker 1>pros and cons to each of them which you can research,

0:30:55.720 --> 0:30:58.920
<v Speaker 1>and you may even have access to free financial advice

0:30:58.960 --> 0:31:01.760
<v Speaker 1>through your employer and you're four to one K provider.

0:31:02.120 --> 0:31:04.800
<v Speaker 1>But the point is just start saving and you're roth

0:31:04.960 --> 0:31:06.800
<v Speaker 1>or you're a regular for one K, whichever one you

0:31:06.800 --> 0:31:10.400
<v Speaker 1>think fits your needs right now, it is.

0:31:10.440 --> 0:31:11.000
<v Speaker 2>Take another one.

0:31:11.040 --> 0:31:13.120
<v Speaker 1>So this one, this one hit home for me because

0:31:13.120 --> 0:31:15.440
<v Speaker 1>we've actually is I could use this as kind of

0:31:15.480 --> 0:31:17.800
<v Speaker 1>a like a proxy for a lot of different questions

0:31:17.840 --> 0:31:22.000
<v Speaker 1>we've gotten from people recently, and this is someone excuse

0:31:22.040 --> 0:31:25.720
<v Speaker 1>me from Instagram. Her name is We'll keep her anonymous.

0:31:25.800 --> 0:31:27.520
<v Speaker 1>She says, I'm loving your podcast, but I need some

0:31:27.600 --> 0:31:30.360
<v Speaker 1>help because I feel lost. I'm forty one years old

0:31:30.400 --> 0:31:32.680
<v Speaker 1>and I've never invested, and I'd love to start. I

0:31:32.720 --> 0:31:35.120
<v Speaker 1>work as a childcare provider in my home, my husband

0:31:35.160 --> 0:31:38.800
<v Speaker 1>works outside of the home. Where should I start? So

0:31:39.000 --> 0:31:41.640
<v Speaker 1>in her forties feeling like she's too late to start

0:31:41.640 --> 0:31:43.320
<v Speaker 1>investing and want some INSFO.

0:31:44.600 --> 0:31:48.720
<v Speaker 3>So I'm not sure if it's investing for retirement, because

0:31:48.800 --> 0:31:51.200
<v Speaker 3>what I would suggest is if you invest for retirement

0:31:51.240 --> 0:31:53.400
<v Speaker 3>looking at a target date fund, or if you're like,

0:31:53.440 --> 0:31:55.440
<v Speaker 3>oh no, no, we've got retirement money set aside, that

0:31:55.480 --> 0:31:57.640
<v Speaker 3>you're just like I just want to invest for investing sake,

0:31:58.000 --> 0:32:00.520
<v Speaker 3>then an index fund that we meant that we mentioned

0:32:00.720 --> 0:32:04.880
<v Speaker 3>prior to that. Those are my two suggestions because I

0:32:04.960 --> 0:32:07.600
<v Speaker 3>like those because those are like kind of like algorithm generated,

0:32:07.920 --> 0:32:09.959
<v Speaker 3>so you don't know how, you don't have to know

0:32:10.000 --> 0:32:13.440
<v Speaker 3>how to pick specific things, because to your point, that's

0:32:13.480 --> 0:32:14.920
<v Speaker 3>one of the reasons why a lot of women in

0:32:14.920 --> 0:32:17.120
<v Speaker 3>particular are like I don't in bet so it's like, well,

0:32:17.400 --> 0:32:20.600
<v Speaker 3>let the algorithm choose the stocks, the bonds, and the

0:32:20.640 --> 0:32:24.200
<v Speaker 3>investment vehicles for you you just choose where you know

0:32:24.240 --> 0:32:26.040
<v Speaker 3>what algorithm you're gonna use. Are you gonna use a

0:32:26.040 --> 0:32:29.000
<v Speaker 3>target date fund, which says, here's the target date for

0:32:29.080 --> 0:32:30.960
<v Speaker 3>your retirement, and we're going to you're gonna put your

0:32:31.000 --> 0:32:33.840
<v Speaker 3>money in every month, and we're going to rebalance your portfolio,

0:32:33.920 --> 0:32:37.920
<v Speaker 3>meaning put some money towards get less and less aggressive

0:32:37.920 --> 0:32:40.680
<v Speaker 3>the closer you get to your target date, your retirement date.

0:32:41.520 --> 0:32:43.840
<v Speaker 3>So you're gonna do that for retirement, you know, which

0:32:43.880 --> 0:32:46.880
<v Speaker 3>is super easy, or you're investing for wealth, great, choose

0:32:46.880 --> 0:32:49.480
<v Speaker 3>an index fund. Follow the market. The market always goes

0:32:49.560 --> 0:32:52.360
<v Speaker 3>up over time. You've got more than twenty years before

0:32:52.400 --> 0:32:54.880
<v Speaker 3>you quote unquote officially retire on the books, you know,

0:32:55.160 --> 0:32:58.400
<v Speaker 3>although you might retire early. So following the market means

0:32:58.400 --> 0:33:01.040
<v Speaker 3>in twenty years the market will well, it would be

0:33:01.240 --> 0:33:03.640
<v Speaker 3>crazy for it not to be up just because it's

0:33:03.720 --> 0:33:06.680
<v Speaker 3>always gone up. So that's what obviously suggests target date

0:33:06.720 --> 0:33:11.240
<v Speaker 3>fund or or an index fund. If you're just starting

0:33:11.240 --> 0:33:13.360
<v Speaker 3>out and you don't know or really want to.

0:33:13.320 --> 0:33:14.040
<v Speaker 2>Do the research.

0:33:15.520 --> 0:33:17.960
<v Speaker 1>Yeah, I mean she mentions that she's a childcare provider

0:33:18.000 --> 0:33:20.360
<v Speaker 1>working from home. So if you're you know, if you've

0:33:20.400 --> 0:33:22.800
<v Speaker 1>got an at home business, you can look into a

0:33:22.840 --> 0:33:25.240
<v Speaker 1>step IRA, which we can put a link to explain.

0:33:25.320 --> 0:33:29.880
<v Speaker 1>This is basically the you know entrepreneur's version of a

0:33:29.920 --> 0:33:33.320
<v Speaker 1>four wa yep. And I would also say, you know,

0:33:33.400 --> 0:33:35.440
<v Speaker 1>you don't tell us much about your financial picture, and

0:33:35.480 --> 0:33:38.160
<v Speaker 1>it's really hard to give investment advice when we don't

0:33:38.200 --> 0:33:40.480
<v Speaker 1>know if you have debt, if your husband, if he

0:33:40.520 --> 0:33:42.720
<v Speaker 1>works outside the home, does he have access to a

0:33:42.720 --> 0:33:45.600
<v Speaker 1>four oh one K through his employer? Has he been contributing?

0:33:45.640 --> 0:33:47.560
<v Speaker 1>Does he get a match? Because you know, you definitely

0:33:47.600 --> 0:33:50.480
<v Speaker 1>want to take advantage of any match, you know, first

0:33:50.520 --> 0:33:52.960
<v Speaker 1>and foremost. But I just want to address you know,

0:33:53.000 --> 0:33:54.719
<v Speaker 1>you're forty one years old. You still got a lot

0:33:54.720 --> 0:33:56.600
<v Speaker 1>of years ahead of you, so it's not it's not

0:33:56.640 --> 0:33:59.960
<v Speaker 1>too late, it's just you know, day one or one day.

0:34:00.040 --> 0:34:02.680
<v Speaker 2>You know you have the same expression. I like that

0:34:03.080 --> 0:34:04.280
<v Speaker 2>they want to one day.

0:34:05.040 --> 0:34:08.440
<v Speaker 1>That's my favorite quote these days, but it's so applicable

0:34:08.480 --> 0:34:11.480
<v Speaker 1>to everything. So I think this is your day one.

0:34:11.560 --> 0:34:14.240
<v Speaker 1>The fact that you've asked this question, hopefully you're listening

0:34:14.239 --> 0:34:16.160
<v Speaker 1>to the show right now. I'll ping you on Insta

0:34:16.160 --> 0:34:18.120
<v Speaker 1>and like, you know, we answered your question. You know

0:34:18.239 --> 0:34:21.160
<v Speaker 1>you're listening. You're starting to educate yourself. Let's just you know,

0:34:21.600 --> 0:34:24.200
<v Speaker 1>you can do it. It's not really they want us to

0:34:24.239 --> 0:34:26.160
<v Speaker 1>believe they I don't know who the day is with

0:34:26.560 --> 0:34:29.560
<v Speaker 1>the society, capitalism. They want us to believe it's too

0:34:29.560 --> 0:34:30.920
<v Speaker 1>hard for us, that it's too hard for us to

0:34:30.920 --> 0:34:33.799
<v Speaker 1>figure out. That's just not true. You can absolutely do it.

0:34:33.840 --> 0:34:35.600
<v Speaker 1>You just got to start. So and I'm forty one,

0:34:36.080 --> 0:34:36.640
<v Speaker 1>well just about.

0:34:36.880 --> 0:34:38.720
<v Speaker 3>Like I turned forty one in a couple of weeks,

0:34:38.920 --> 0:34:42.640
<v Speaker 3>and honestly I just started like setting aside for retirement

0:34:42.840 --> 0:34:44.800
<v Speaker 3>like two years ago because I was so focused on

0:34:44.840 --> 0:34:48.000
<v Speaker 3>the business. I reinvested everything back in after draining my

0:34:48.080 --> 0:34:52.759
<v Speaker 3>retirement account. So I mean, it's better to start. I'm

0:34:52.760 --> 0:34:55.520
<v Speaker 3>not even stressed about it. I'm just like, okay, I've

0:34:55.960 --> 0:34:58.520
<v Speaker 3>starting is better than that starting. So you are not alone.

0:34:58.560 --> 0:34:59.800
<v Speaker 3>There are a lot of people who are like I

0:34:59.840 --> 0:35:03.439
<v Speaker 3>have done anything. But let this be the last week

0:35:03.480 --> 0:35:06.800
<v Speaker 3>that you say that, you know, find a super easy

0:35:06.800 --> 0:35:09.160
<v Speaker 3>index fund. You can just google best index funds and

0:35:09.200 --> 0:35:11.160
<v Speaker 3>be like, you know what, you know, I'm going to

0:35:11.200 --> 0:35:14.120
<v Speaker 3>put my money in this mutual fund fifty bucks every

0:35:14.200 --> 0:35:16.480
<v Speaker 3>every month. I'm going to find a mutual fund that's

0:35:16.600 --> 0:35:20.160
<v Speaker 3>passively managed and just put my money in there every month.

0:35:20.120 --> 0:35:21.920
<v Speaker 2>It follows this market. Okay, that's it.

0:35:22.440 --> 0:35:24.840
<v Speaker 3>And then you know, as you get more acclimated to that,

0:35:24.880 --> 0:35:26.359
<v Speaker 3>then you can expand beyond that.

0:35:27.800 --> 0:35:31.000
<v Speaker 1>Absolutely, And if you know, a lot of times people

0:35:31.040 --> 0:35:33.840
<v Speaker 1>don't invest because they don't have anything left over to invest,

0:35:34.440 --> 0:35:37.239
<v Speaker 1>and you know that's and she didn't mention that, but

0:35:37.440 --> 0:35:39.480
<v Speaker 1>we definitely get questions like that where it's like, how

0:35:39.520 --> 0:35:40.760
<v Speaker 1>am I supposed to invest anything?

0:35:40.760 --> 0:35:42.040
<v Speaker 2>I'm living paycheck to paycheck.

0:35:42.640 --> 0:35:44.799
<v Speaker 1>You know, the uncomfortable truth is that you've got to

0:35:44.840 --> 0:35:46.799
<v Speaker 1>try to increase your income so that you do have

0:35:46.840 --> 0:35:50.200
<v Speaker 1>something to invest, you know, do whatever you can. You know,

0:35:50.239 --> 0:35:53.359
<v Speaker 1>whether it's you know, picking up a side gig or

0:35:53.440 --> 0:35:56.280
<v Speaker 1>asking for a raise or moving to a more lucrative field,

0:35:56.800 --> 0:35:59.080
<v Speaker 1>it's going to take some effort to increase your income

0:35:59.160 --> 0:36:01.839
<v Speaker 1>so that you have something set aside. And if there's

0:36:01.960 --> 0:36:04.640
<v Speaker 1>and that's that's definitely the answer. If you've done everything else,

0:36:04.640 --> 0:36:06.879
<v Speaker 1>if you've cut your expenses, if you've paid off your debt,

0:36:07.120 --> 0:36:08.799
<v Speaker 1>and it still doesn't feel like you have extra, it's

0:36:08.800 --> 0:36:11.840
<v Speaker 1>all about increasing your income in some way or another.

0:36:12.560 --> 0:36:14.200
<v Speaker 1>And there are you know, ways you can do that,

0:36:14.400 --> 0:36:16.600
<v Speaker 1>and it just takes it takes extra work. It takes

0:36:16.640 --> 0:36:20.160
<v Speaker 1>some hustle and some grind, but that is that's that's

0:36:20.200 --> 0:36:21.080
<v Speaker 1>how it gets done.

0:36:21.400 --> 0:36:23.799
<v Speaker 2>Yeah, all right, how many?

0:36:23.880 --> 0:36:26.680
<v Speaker 1>Let's take another one for sure? Ooh, there was a

0:36:26.760 --> 0:36:29.279
<v Speaker 1>question from someone who uses euros, so I don't know

0:36:29.320 --> 0:36:31.560
<v Speaker 1>where they're from, but I was excited to see some euros.

0:36:31.760 --> 0:36:34.160
<v Speaker 1>We'll just pretend they're dollars for this example's sake, though,

0:36:34.160 --> 0:36:36.120
<v Speaker 1>I don't think that it matters whether they're euros or

0:36:36.680 --> 0:36:40.640
<v Speaker 1>I don't think the currency matters, all right. Instagram Clara

0:36:40.760 --> 0:36:43.560
<v Speaker 1>from IG says she is in credit card debt over

0:36:43.760 --> 0:36:47.880
<v Speaker 1>to wait over twelve hundred and twenty four dollars across

0:36:47.920 --> 0:36:50.720
<v Speaker 1>two cars. The first card has one thousand, the second

0:36:50.719 --> 0:36:53.480
<v Speaker 1>has over two hundred. She says, I'm currently waiting on

0:36:53.520 --> 0:36:56.120
<v Speaker 1>one thousand dollars from a job I've done recently. I've

0:36:56.160 --> 0:36:59.319
<v Speaker 1>got about eight hundred dollars in my savings account, which

0:36:59.320 --> 0:37:02.840
<v Speaker 1>won't even cover my monthly expenses. My question is the following.

0:37:02.880 --> 0:37:04.759
<v Speaker 1>Should I wait till I get the thousand dollars to

0:37:04.760 --> 0:37:07.640
<v Speaker 1>clear the larger card because it has higher interest, or

0:37:07.640 --> 0:37:09.759
<v Speaker 1>should I split that thousand dollars I'm going to get

0:37:09.800 --> 0:37:11.839
<v Speaker 1>and put eight hundred on the first card and then

0:37:11.960 --> 0:37:15.080
<v Speaker 1>use two hundred for the other. I have a freelance job.

0:37:15.120 --> 0:37:17.680
<v Speaker 1>That's keeping me afloat. But knowing I have this much

0:37:17.680 --> 0:37:20.680
<v Speaker 1>debt is unsettling during this time. Once I pay it off,

0:37:20.719 --> 0:37:22.000
<v Speaker 1>I can save a lot more.

0:37:22.640 --> 0:37:25.280
<v Speaker 2>What what's her name? Clara?

0:37:25.360 --> 0:37:27.480
<v Speaker 3>So Clara, you know how like when you're in school,

0:37:27.480 --> 0:37:30.600
<v Speaker 3>you do like the fire drill, and you practice, you

0:37:30.640 --> 0:37:33.000
<v Speaker 3>pull like the fire. You know, they're like, okay, fire alarm.

0:37:33.080 --> 0:37:34.920
<v Speaker 3>You walk out, You're like, oh, practice.

0:37:35.040 --> 0:37:37.160
<v Speaker 2>Uh, this is not a drill. I'm nodding. I'm Clara. Yes,

0:37:37.320 --> 0:37:38.879
<v Speaker 2>she knows right, So this is not a drill.

0:37:39.719 --> 0:37:44.799
<v Speaker 3>The the economy's on fire, meaning that the reason why change, right,

0:37:44.880 --> 0:37:49.239
<v Speaker 3>We are literally saving because the savings is the water.

0:37:49.480 --> 0:37:53.279
<v Speaker 3>The economy's on fire. So if you instead say, you

0:37:53.320 --> 0:37:55.440
<v Speaker 3>know what, I'm going to use this water for, you know,

0:37:55.600 --> 0:37:59.800
<v Speaker 3>to like fill my pool, then it's like, eh, no, Clara,

0:38:00.040 --> 0:38:03.000
<v Speaker 3>I want you to not only keep the eight hundred

0:38:03.040 --> 0:38:06.080
<v Speaker 3>dollars in your savings account, I want you to add

0:38:06.080 --> 0:38:09.520
<v Speaker 3>that thousand to your savings account, because right now, Claaria,

0:38:09.640 --> 0:38:11.439
<v Speaker 3>the fact that eight hundred is not enough to cover

0:38:11.480 --> 0:38:12.280
<v Speaker 3>your monthly bills.

0:38:12.360 --> 0:38:16.000
<v Speaker 2>Lets me know that you don't have one month.

0:38:15.840 --> 0:38:18.920
<v Speaker 3>Worth of expenses, let alone the six months, which is

0:38:19.120 --> 0:38:21.880
<v Speaker 3>what I really ideally recommend. I don't want you, especially

0:38:21.920 --> 0:38:24.600
<v Speaker 3>as a freelancer. It could go either way, Claire. I

0:38:24.600 --> 0:38:26.640
<v Speaker 3>want you to stack as much money as you can.

0:38:26.920 --> 0:38:29.160
<v Speaker 3>The debt can wait. You know what can't groceries, You

0:38:29.200 --> 0:38:31.560
<v Speaker 3>know it can't rent. I want you to have somebody

0:38:31.560 --> 0:38:34.839
<v Speaker 3>stacked away because this is not a drill. Someone pulled

0:38:34.840 --> 0:38:37.320
<v Speaker 3>the fire alarm because the economy is actually on fire.

0:38:37.440 --> 0:38:41.719
<v Speaker 3>So don't use excess money toward paying down debt if

0:38:41.760 --> 0:38:44.480
<v Speaker 3>you don't have enough of your savings saved up. And

0:38:44.520 --> 0:38:47.040
<v Speaker 3>once you have enough saving saved up, then yes, you

0:38:47.080 --> 0:38:49.120
<v Speaker 3>can get you can get aggressive with debt.

0:38:49.520 --> 0:38:52.480
<v Speaker 1>Yes, love it if you've got. She doesn't mention her

0:38:52.680 --> 0:38:54.919
<v Speaker 1>credit or not. You know, there's some things you could

0:38:54.960 --> 0:38:57.080
<v Speaker 1>do to reduce the cost of your debt. If you

0:38:57.120 --> 0:38:59.239
<v Speaker 1>have a really good credit score, you could potentially look

0:38:59.239 --> 0:39:01.919
<v Speaker 1>at getting a zero percent interest balance transfer credit card

0:39:02.280 --> 0:39:04.440
<v Speaker 1>just to like transfer those cards over so you're not

0:39:04.600 --> 0:39:07.360
<v Speaker 1>you know, having that high interest or cruing. There's also,

0:39:07.440 --> 0:39:08.920
<v Speaker 1>you know, you could ptentually look at like a debt

0:39:08.920 --> 0:39:11.520
<v Speaker 1>consolidation loan to pay off those credit cards. But I

0:39:11.560 --> 0:39:13.960
<v Speaker 1>totally agree with Tiffany, And it may sound like scary,

0:39:14.080 --> 0:39:16.600
<v Speaker 1>especially because you know, you think you're like, you're a

0:39:16.640 --> 0:39:19.440
<v Speaker 1>law abiding citizen probably and you know you want to

0:39:19.480 --> 0:39:21.120
<v Speaker 1>do the right thing, and it seemed wrong to not

0:39:21.200 --> 0:39:23.560
<v Speaker 1>pay back your your creditors. But that is like the

0:39:23.600 --> 0:39:25.440
<v Speaker 1>world we live in now. You've really got to put

0:39:25.440 --> 0:39:27.799
<v Speaker 1>your life best on first, like Tiffany said, and put

0:39:27.880 --> 0:39:29.960
<v Speaker 1>that money away and look at it not as if

0:39:29.960 --> 0:39:31.640
<v Speaker 1>you're not paying the credit debt. Look at it as

0:39:31.640 --> 0:39:34.359
<v Speaker 1>if this is what's going to protect you from having

0:39:34.400 --> 0:39:37.560
<v Speaker 1>to go back into credit debt in the future. And

0:39:37.600 --> 0:39:39.680
<v Speaker 1>when you're on the you know you're on the right,

0:39:39.719 --> 0:39:42.480
<v Speaker 1>on the border, you know, of being in real financial

0:39:42.719 --> 0:39:45.719
<v Speaker 1>insecurity right now, I think I think Tiffany is totally

0:39:45.800 --> 0:39:46.280
<v Speaker 1>right you should.

0:39:46.400 --> 0:39:48.640
<v Speaker 3>And you know, me and many are like, we're like,

0:39:48.760 --> 0:39:50.680
<v Speaker 3>so we don't like that. So me and Mandy, you's

0:39:50.680 --> 0:39:52.600
<v Speaker 3>just like, pay the debt down. But so for us

0:39:52.600 --> 0:39:55.520
<v Speaker 3>to be like save that means a lot because we

0:39:55.640 --> 0:39:59.200
<v Speaker 3>are both so anti debt, but not in times like this.

0:39:59.320 --> 0:40:01.680
<v Speaker 2>It's like, no, put that water toward the fire. You

0:40:01.680 --> 0:40:02.880
<v Speaker 2>don't need to pull right now.

0:40:03.239 --> 0:40:05.600
<v Speaker 1>I mean, stop racking up the debt for sure, but

0:40:05.920 --> 0:40:08.719
<v Speaker 1>I wouldn't you know. And also twelve hundred dollars you

0:40:08.800 --> 0:40:11.080
<v Speaker 1>can pay that off with, you know, just work on

0:40:11.160 --> 0:40:14.160
<v Speaker 1>your freelance and come increasing that trying to get that

0:40:14.200 --> 0:40:16.200
<v Speaker 1>savings built up as fast as you can, and then

0:40:16.200 --> 0:40:17.359
<v Speaker 1>you can start tackling that debt.

0:40:17.440 --> 0:40:17.920
<v Speaker 2>In the meantime.

0:40:17.960 --> 0:40:20.600
<v Speaker 1>If you've got strong credit, look into your options to

0:40:20.680 --> 0:40:23.359
<v Speaker 1>park that debt, pay up those credit cards another way,

0:40:23.400 --> 0:40:26.600
<v Speaker 1>and then it won't reduce it, won't you erase the debt.

0:40:26.760 --> 0:40:29.439
<v Speaker 1>It'll make it more affordable for you to have the debt,

0:40:29.480 --> 0:40:32.319
<v Speaker 1>and then you can pay it off slowly. Okay, let's

0:40:32.320 --> 0:40:35.719
<v Speaker 1>take one last question. This one's really interesting and I

0:40:35.719 --> 0:40:38.839
<v Speaker 1>can't wait to hear Tiffany's response. This comes from ig user,

0:40:38.880 --> 0:40:41.279
<v Speaker 1>who goes by the name Gina. Gina says, I have

0:40:41.280 --> 0:40:43.360
<v Speaker 1>a question for Tiffany. I was reading in the New

0:40:43.440 --> 0:40:47.239
<v Speaker 1>York Post where they talked about New Jersey's governor, who's Democrat,

0:40:47.680 --> 0:40:50.960
<v Speaker 1>potentially raising taxes on millionaires living in the state. Do

0:40:51.040 --> 0:40:53.319
<v Speaker 1>you think this is positive? How has your outlook on

0:40:53.440 --> 0:40:56.960
<v Speaker 1>liberal fiscal policies changed since becoming more affluent with the

0:40:57.000 --> 0:41:00.279
<v Speaker 1>success of your business. Do you believe the governor is

0:41:00.320 --> 0:41:03.080
<v Speaker 1>doing the right thing. In the article, they cite that

0:41:03.120 --> 0:41:06.040
<v Speaker 1>millionaires make up three percent of the population but contribute

0:41:06.080 --> 0:41:09.920
<v Speaker 1>forty percent of the taxes. Many millionaires are fleeing the state.

0:41:10.200 --> 0:41:12.800
<v Speaker 1>I'm really curious to know your thoughts on the issue.

0:41:14.080 --> 0:41:15.200
<v Speaker 1>Honestly fascinating.

0:41:15.480 --> 0:41:18.799
<v Speaker 3>Yeah, it is because I mean, obviously, the liberal part

0:41:18.840 --> 0:41:21.239
<v Speaker 3>of me is like, well, it's only fair if you

0:41:21.280 --> 0:41:23.480
<v Speaker 3>make more, I mean, you should pay more. I'm not hurting,

0:41:23.880 --> 0:41:26.520
<v Speaker 3>you know, like I'm doing really well and this year

0:41:26.560 --> 0:41:28.920
<v Speaker 3>I think I'll crossover for the first time. The seven

0:41:28.960 --> 0:41:32.240
<v Speaker 3>figure mark is take home, not as like the business

0:41:32.280 --> 0:41:34.359
<v Speaker 3>that will cross over the eight figure mark, which would

0:41:34.400 --> 0:41:38.120
<v Speaker 3>push me over the seven figure mark. So but I'm

0:41:38.120 --> 0:41:40.080
<v Speaker 3>not gonna lie. I just paid my taxes because you

0:41:40.080 --> 0:41:41.680
<v Speaker 3>know the extension. When I tell you I paid it

0:41:41.680 --> 0:41:44.680
<v Speaker 3>on the last day of the extension, it was several

0:41:44.760 --> 0:41:48.960
<v Speaker 3>hundred thousand dollars. I was like, geez and Rice, it

0:41:49.040 --> 0:41:51.919
<v Speaker 3>is so because it's not just state tax, it's also

0:41:52.520 --> 0:41:55.520
<v Speaker 3>federal tax. Like my tax rate right now is I

0:41:55.560 --> 0:41:59.320
<v Speaker 3>think forty one percent or a little over forty percent,

0:41:59.520 --> 0:42:05.400
<v Speaker 3>which is incredibly high. So it just so I actually

0:42:05.440 --> 0:42:08.640
<v Speaker 3>was just talking with my certified financial planner Angelie, my

0:42:08.719 --> 0:42:12.920
<v Speaker 3>CFO Shanta, my big accountain Carlos, about what are some

0:42:12.960 --> 0:42:15.160
<v Speaker 3>ways to restructure the business that maybe you know, we

0:42:15.200 --> 0:42:17.239
<v Speaker 3>can what can we do to all set and so

0:42:17.280 --> 0:42:20.480
<v Speaker 3>they're just giving me some ideas. But ultimately, I'm going

0:42:20.520 --> 0:42:22.920
<v Speaker 3>to pay more in taxes than the average person because

0:42:23.080 --> 0:42:26.160
<v Speaker 3>I make a lot of money. So I don't think

0:42:26.200 --> 0:42:28.919
<v Speaker 3>it's unfair. I mean, I think it's it is fair

0:42:29.000 --> 0:42:31.880
<v Speaker 3>because preschool teacher Tiffany should not be paying a higher

0:42:31.920 --> 0:42:36.080
<v Speaker 3>tax rate than business millionaire baby billionaire Tiffany.

0:42:36.160 --> 0:42:37.400
<v Speaker 2>She just shouldn't.

0:42:37.480 --> 0:42:41.359
<v Speaker 3>But I could I can see because it's I can

0:42:41.560 --> 0:42:44.400
<v Speaker 3>I can see that it's only going to get better

0:42:44.480 --> 0:42:46.320
<v Speaker 3>over here as far as the business is concerned. We

0:42:46.400 --> 0:42:48.759
<v Speaker 3>have some things on them on the horizon that are

0:42:48.800 --> 0:42:50.640
<v Speaker 3>just going to push us to the next level, which

0:42:50.640 --> 0:42:52.439
<v Speaker 3>means that personally, I'll take home more.

0:42:52.920 --> 0:42:54.640
<v Speaker 2>I don't know that i'd moved from Jersey.

0:42:54.680 --> 0:42:57.320
<v Speaker 3>My whole family is here, but I honestly don't know,

0:42:57.480 --> 0:42:59.200
<v Speaker 3>because that's what I literally asked Angelie.

0:42:59.200 --> 0:43:01.400
<v Speaker 2>I said, what can I do? Girl? I just paid

0:43:01.560 --> 0:43:03.480
<v Speaker 2>I just wrote like a three hundred thousand I check

0:43:05.000 --> 0:43:07.319
<v Speaker 2>and I don't know I need to move.

0:43:07.440 --> 0:43:11.399
<v Speaker 1>Literature headquarters to Florida, I know, and Tiffany can live.

0:43:11.320 --> 0:43:13.600
<v Speaker 3>In I know. But I think that the millionaire taxes

0:43:13.640 --> 0:43:15.319
<v Speaker 3>on you personally, that's really the issue.

0:43:15.320 --> 0:43:17.640
<v Speaker 2>It's not so much to business. Business tax are actually

0:43:17.719 --> 0:43:18.480
<v Speaker 2>historically low.

0:43:18.400 --> 0:43:20.839
<v Speaker 1>Right now, Well, you just get you a house in Florida.

0:43:20.560 --> 0:43:20.920
<v Speaker 2>I know.

0:43:21.120 --> 0:43:23.880
<v Speaker 1>So I mean tax evasion for the wealthy.

0:43:24.239 --> 0:43:26.160
<v Speaker 3>But I will just say that I think it's fair.

0:43:26.640 --> 0:43:28.360
<v Speaker 3>But of course no one wants to pay more taxes.

0:43:28.400 --> 0:43:30.319
<v Speaker 3>But I mean, ultimately I think it's fair and the

0:43:30.400 --> 0:43:33.480
<v Speaker 3>increase is not significant, you know, like I'm looking at.

0:43:33.520 --> 0:43:36.600
<v Speaker 3>I mean, it's significant, I guess, as you know, compoundingly so,

0:43:36.800 --> 0:43:39.719
<v Speaker 3>but not so much that you know, it would cause

0:43:39.760 --> 0:43:40.280
<v Speaker 3>me to flee.

0:43:40.360 --> 0:43:41.799
<v Speaker 2>So I don't know.

0:43:41.960 --> 0:43:44.520
<v Speaker 3>I mean, like I said, I think it's it's not

0:43:44.600 --> 0:43:46.759
<v Speaker 3>a bad thing. It's a fair thing, but it's I mean,

0:43:46.800 --> 0:43:49.200
<v Speaker 3>no one likes to pay taxes, but it's certainly something

0:43:49.960 --> 0:43:52.080
<v Speaker 3>that it's a good problem to have because I'm blessed

0:43:52.120 --> 0:43:54.839
<v Speaker 3>because honestly, not that many years ago, I was like

0:43:54.920 --> 0:43:55.919
<v Speaker 3>what am I going to eat today?

0:43:55.960 --> 0:43:57.080
<v Speaker 2>Where am I going to find food?

0:43:57.239 --> 0:43:59.600
<v Speaker 3>So I'm not going to complain about paying taxes to

0:43:59.640 --> 0:44:02.200
<v Speaker 3>make sure the state that I live in is kept

0:44:02.280 --> 0:44:04.200
<v Speaker 3>up because I'm in a really blessed position.

0:44:05.040 --> 0:44:05.279
<v Speaker 2>Yeah.

0:44:05.320 --> 0:44:08.359
<v Speaker 1>Absolutely, and I think in your position. You know, That's

0:44:08.360 --> 0:44:10.759
<v Speaker 1>why I think it's important we need more black millionaires,

0:44:10.800 --> 0:44:13.520
<v Speaker 1>because you do you know that stat three percent of

0:44:13.560 --> 0:44:16.799
<v Speaker 1>millionaires contribute forty percent of tax revenue for the state.

0:44:16.840 --> 0:44:19.840
<v Speaker 1>If that's if that's true, I'm quoting her, quoting the paper.

0:44:20.719 --> 0:44:23.239
<v Speaker 1>But anyway, if that's true, then I mean there's more

0:44:23.280 --> 0:44:26.200
<v Speaker 1>skin in the game for millionaires. And they are often

0:44:26.239 --> 0:44:28.400
<v Speaker 1>the ones who are influencing policy because they have so

0:44:28.480 --> 0:44:32.160
<v Speaker 1>much influence. They're often in places positions of power. They

0:44:32.239 --> 0:44:36.120
<v Speaker 1>run big companies, They contribute to causes that are important

0:44:36.120 --> 0:44:39.239
<v Speaker 1>to different states. They fund football fields and you know,

0:44:39.440 --> 0:44:42.680
<v Speaker 1>fund schools and things like that, and they are the

0:44:42.719 --> 0:44:45.799
<v Speaker 1>ones who have the ears of legislators. And the more

0:44:45.920 --> 0:44:48.480
<v Speaker 1>black millionaires we have, the more black millionaires will have

0:44:48.520 --> 0:44:51.719
<v Speaker 1>in those, you know, rooms where things happen, and be

0:44:51.800 --> 0:44:53.960
<v Speaker 1>able to speak to causes that are important to them,

0:44:54.000 --> 0:44:56.200
<v Speaker 1>be able to say, hey, you want this donation. I

0:44:56.239 --> 0:44:57.360
<v Speaker 1>don't know if this is the legal or not. You

0:44:57.360 --> 0:44:59.600
<v Speaker 1>want this donation, maybe you should, you know, write a

0:44:59.640 --> 0:45:02.279
<v Speaker 1>letter to to Kentucky's governor and ask for justice for

0:45:02.320 --> 0:45:05.480
<v Speaker 1>Breonna Taylor. You know, those types of things can happen

0:45:05.520 --> 0:45:08.560
<v Speaker 1>when there's more people of color with wealth. So that's

0:45:08.600 --> 0:45:11.160
<v Speaker 1>that's just that's my hot take right now. But the

0:45:11.200 --> 0:45:14.160
<v Speaker 1>whole issue of you know, taxing wealthy people, I mean,

0:45:14.160 --> 0:45:17.120
<v Speaker 1>there's just so many fascinating layers to it, and I

0:45:17.160 --> 0:45:19.880
<v Speaker 1>think very much so if you are wealthy, you have

0:45:19.920 --> 0:45:22.279
<v Speaker 1>got to care about people besides your own bottom line.

0:45:22.320 --> 0:45:24.560
<v Speaker 1>You've got to care about your community. You've got to

0:45:25.000 --> 0:45:27.240
<v Speaker 1>should be you should be proud to contribute to your community.

0:45:27.280 --> 0:45:30.080
<v Speaker 1>I mean, taxes pay for police, they pay for teachers,

0:45:30.080 --> 0:45:32.680
<v Speaker 1>they pay for public works, they pay for you know,

0:45:32.920 --> 0:45:35.320
<v Speaker 1>like today, when I went and told my Parks and

0:45:35.360 --> 0:45:38.000
<v Speaker 1>rec Department to replace a broken swing at the playground

0:45:38.040 --> 0:45:40.920
<v Speaker 1>near our house, that's tax dollars, you know, that are

0:45:40.960 --> 0:45:42.560
<v Speaker 1>paying for that person to go out there and replace

0:45:42.600 --> 0:45:43.160
<v Speaker 1>a swing set.

0:45:43.480 --> 0:45:45.719
<v Speaker 2>And you know, I think people should think about that.

0:45:45.760 --> 0:45:49.200
<v Speaker 1>There's this real sense of like individualism happening right now

0:45:49.239 --> 0:45:52.640
<v Speaker 1>in the country. People cannot look past their own bottom line,

0:45:52.640 --> 0:45:55.400
<v Speaker 1>and that is what's really truly, truly hurting us. And

0:45:56.040 --> 0:45:58.080
<v Speaker 1>that's a very progressive point of view. And I get that,

0:45:58.760 --> 0:46:01.560
<v Speaker 1>and we've all and I think This is a This

0:46:01.600 --> 0:46:03.839
<v Speaker 1>is another reminder that it's not just the president who

0:46:03.840 --> 0:46:07.359
<v Speaker 1>makes calls. It's your local elected officials. You know who,

0:46:07.400 --> 0:46:10.240
<v Speaker 1>who's your governor, who your state legislators who are making

0:46:10.280 --> 0:46:13.120
<v Speaker 1>these calls about how your money is taxed at the

0:46:13.160 --> 0:46:16.360
<v Speaker 1>state and local level that is not happening at the

0:46:16.760 --> 0:46:18.920
<v Speaker 1>federal level. So you've got to be got to be

0:46:18.920 --> 0:46:22.279
<v Speaker 1>an active citizen. And god, I just wish if people

0:46:22.360 --> 0:46:24.799
<v Speaker 1>just people just have to they just we have got

0:46:24.800 --> 0:46:27.240
<v Speaker 1>to just learn how to empathize and how to carry

0:46:27.239 --> 0:46:28.800
<v Speaker 1>out people besides ourselves.

0:46:29.000 --> 0:46:30.560
<v Speaker 3>That is why, because I'm like, how much money do

0:46:30.600 --> 0:46:34.600
<v Speaker 3>you need? I mean for me, I mean, it's it's

0:46:34.680 --> 0:46:38.799
<v Speaker 3>nice to make money, but it's not for me. It's

0:46:38.840 --> 0:46:42.440
<v Speaker 3>a tool to be able to provide security for myself,

0:46:42.560 --> 0:46:46.000
<v Speaker 3>my family, like my loved ones, you know. So I mean,

0:46:46.120 --> 0:46:48.320
<v Speaker 3>like if you were to see I live super simply,

0:46:48.360 --> 0:46:52.080
<v Speaker 3>like I like, Anjelie always teach tease me my financial planner,

0:46:52.440 --> 0:46:54.480
<v Speaker 3>and I'm always like, oh my gosh, Anuleie like I'll

0:46:54.520 --> 0:46:56.480
<v Speaker 3>see like a house on like realtor dot com, and

0:46:56.480 --> 0:46:59.000
<v Speaker 3>I'm like, who's living in this three billion dollar house?

0:46:59.160 --> 0:47:00.719
<v Speaker 3>How can they afford it? She's like Tifany, you can

0:47:00.760 --> 0:47:03.120
<v Speaker 3>afford it. I'm like, no way, because my house was

0:47:03.160 --> 0:47:06.319
<v Speaker 3>really modest, you know, like we paid one eighty for it,

0:47:06.360 --> 0:47:09.839
<v Speaker 3>we put one eighty into it, but really modest. And

0:47:09.920 --> 0:47:12.279
<v Speaker 3>she's like, Tiffany one day she told me the other day,

0:47:12.280 --> 0:47:14.000
<v Speaker 3>which really blew my mind.

0:47:13.560 --> 0:47:15.080
<v Speaker 2>I still can't see it.

0:47:15.080 --> 0:47:17.680
<v Speaker 3>She's like, Tiffany, I've worked with hundreds and hundreds and

0:47:17.719 --> 0:47:20.440
<v Speaker 3>hundreds of people the trajectory that you're on, that you

0:47:20.520 --> 0:47:22.400
<v Speaker 3>and your husband will be worth between fifty to one

0:47:22.440 --> 0:47:24.240
<v Speaker 3>hundred million dollars in the next ten years.

0:47:24.480 --> 0:47:28.080
<v Speaker 2>And I was like, oh me. She was like, yes,

0:47:28.640 --> 0:47:29.480
<v Speaker 2>I can't. I can't.

0:47:29.520 --> 0:47:31.520
<v Speaker 3>I still can't wrap my mind around and see it,

0:47:31.640 --> 0:47:35.160
<v Speaker 3>because for me, it's never really been about the money.

0:47:35.480 --> 0:47:39.080
<v Speaker 3>It's been about what how can I provide security? So

0:47:39.160 --> 0:47:41.080
<v Speaker 3>much was taken from me from the last recession. I'm

0:47:41.120 --> 0:47:42.880
<v Speaker 3>just glad to have a house. I'm glad to have

0:47:42.920 --> 0:47:46.000
<v Speaker 3>a house that someone can't take. I'm happy that my husband,

0:47:46.239 --> 0:47:48.879
<v Speaker 3>who grew up in apartments his whole life, he said

0:47:48.920 --> 0:47:50.600
<v Speaker 3>he wanted to live in a house and own a

0:47:50.640 --> 0:47:53.120
<v Speaker 3>house before he was forty, we were able to make

0:47:53.120 --> 0:47:57.480
<v Speaker 3>that happen. I'm happy that my bonus daughter Supergirl is

0:47:57.520 --> 0:48:00.239
<v Speaker 3>able to grow up in a house. I'm happy that

0:48:00.280 --> 0:48:02.680
<v Speaker 3>I have plenty of rooms, that my sister can stay

0:48:02.680 --> 0:48:05.560
<v Speaker 3>with me while she's building her business, that my niece

0:48:05.560 --> 0:48:07.480
<v Speaker 3>and my nephew who live down the street come over

0:48:07.520 --> 0:48:10.279
<v Speaker 3>and play, and there's plenty of room. I just I

0:48:10.280 --> 0:48:14.720
<v Speaker 3>don't know it's enough for me like that. I want

0:48:14.760 --> 0:48:17.680
<v Speaker 3>to make more so I can do more, not necessarily

0:48:17.760 --> 0:48:20.800
<v Speaker 3>so I can have more. And I know that's not common,

0:48:20.840 --> 0:48:24.880
<v Speaker 3>but it's new for me having this level of money.

0:48:24.920 --> 0:48:25.799
<v Speaker 2>I grew up like.

0:48:26.200 --> 0:48:28.799
<v Speaker 3>I would say, look, I guess as a kid like

0:48:28.840 --> 0:48:30.799
<v Speaker 3>poor for sure, but by the time high school maybe

0:48:30.840 --> 0:48:33.319
<v Speaker 3>middle class. I guess you could say, like my parents had,

0:48:33.440 --> 0:48:36.120
<v Speaker 3>you know, a nice house, but that was also new

0:48:36.120 --> 0:48:37.120
<v Speaker 3>for them too.

0:48:37.200 --> 0:48:39.040
<v Speaker 2>So for us, we grew up really simply.

0:48:39.080 --> 0:48:41.680
<v Speaker 3>I didn't get the Jordans and any sort of design

0:48:41.760 --> 0:48:44.400
<v Speaker 3>or anything. We paid for school out of pocket with

0:48:44.480 --> 0:48:47.560
<v Speaker 3>student loans as well, And so this is more than

0:48:47.600 --> 0:48:49.719
<v Speaker 3>I ever thought was possible. So I'm just grateful every

0:48:49.719 --> 0:48:52.160
<v Speaker 3>step of the way. And I think to myself, well,

0:48:52.440 --> 0:48:54.239
<v Speaker 3>the more that I'm able to make, the more that

0:48:54.280 --> 0:48:57.600
<v Speaker 3>I'm able to serve and help. I have some philanthropy

0:48:57.640 --> 0:48:59.880
<v Speaker 3>things under my belt that I can't wait to roll

0:49:00.080 --> 0:49:03.160
<v Speaker 3>out soon. So yeah, I just I mean a million.

0:49:03.160 --> 0:49:05.160
<v Speaker 3>I should pay more. I mean, I mean, what do

0:49:05.200 --> 0:49:07.439
<v Speaker 3>you know? What I mean, like, what who's going to pay?

0:49:07.480 --> 0:49:09.960
<v Speaker 3>If not people who are wealthy, is the preschool teacher

0:49:10.040 --> 0:49:12.960
<v Speaker 3>supposed to pay? That's ridiculous. So yeah, I'm not leaving

0:49:13.080 --> 0:49:15.799
<v Speaker 3>Jersey anytime soon. My whole family lives here and I

0:49:15.840 --> 0:49:18.320
<v Speaker 3>love living close to them now, which is so crazy

0:49:18.320 --> 0:49:20.920
<v Speaker 3>because teenage Tiffany would have been like girl run, But

0:49:21.000 --> 0:49:23.120
<v Speaker 3>you know, when you're grown, you realize the value of

0:49:23.239 --> 0:49:25.120
<v Speaker 3>living close to your parents and your family.

0:49:25.480 --> 0:49:27.720
<v Speaker 2>I mean the preschool teacher.

0:49:28.120 --> 0:49:31.480
<v Speaker 1>Yeah, I mean if if if every like someone has

0:49:31.520 --> 0:49:33.719
<v Speaker 1>like who's going to teach your children? You know you

0:49:34.400 --> 0:49:36.800
<v Speaker 1>need to We need these people. If anything, the pandemic

0:49:37.000 --> 0:49:40.680
<v Speaker 1>pandemic has taught us that our educators or need to

0:49:40.719 --> 0:49:44.120
<v Speaker 1>be way more value than they are. But yeah, so

0:49:44.120 --> 0:49:46.080
<v Speaker 1>thanks for your perspective on that. And I think I

0:49:46.120 --> 0:49:49.280
<v Speaker 1>read something recently that was like money doesn't make you different,

0:49:49.280 --> 0:49:51.359
<v Speaker 1>money makes you more of what you already are. And

0:49:52.200 --> 0:49:58.719
<v Speaker 1>thankfully Tiffany was already a good person. Don't forget that

0:49:58.760 --> 0:50:02.279
<v Speaker 1>that's on the way up, all right, well, let's take

0:50:02.400 --> 0:50:05.680
<v Speaker 1>one more quick bake and bake one more quick break

0:50:05.920 --> 0:50:24.040
<v Speaker 1>and be back with our brown Boost Brown Break, and

0:50:24.160 --> 0:50:26.160
<v Speaker 1>we're back. And by the way, you can get a

0:50:26.160 --> 0:50:28.040
<v Speaker 1>T shirt that says be your own Brown Boost.

0:50:28.440 --> 0:50:32.600
<v Speaker 2>Oh no, I'm a mess. I should know this, but

0:50:32.800 --> 0:50:33.440
<v Speaker 2>you should.

0:50:33.160 --> 0:50:35.440
<v Speaker 1>Probably go to Brian misstore dot com. Just me, Hey,

0:50:35.480 --> 0:50:36.480
<v Speaker 1>get yourself some swag.

0:50:36.600 --> 0:50:40.520
<v Speaker 3>I love that that awesome like phrase look at too clever.

0:50:41.120 --> 0:50:42.800
<v Speaker 1>I don't even remember if I made that up or

0:50:42.800 --> 0:50:44.600
<v Speaker 1>if a listener, I don't know, but thank y'all for

0:50:44.680 --> 0:50:47.640
<v Speaker 1>if you have more ideas for T shirt logos, are saying,

0:50:48.000 --> 0:50:51.000
<v Speaker 1>hit us up. Brindabishon podcast at gmail dot com. We're

0:50:51.080 --> 0:50:52.439
<v Speaker 1>just I mean, I'm just making it up.

0:50:52.680 --> 0:50:57.480
<v Speaker 2>Right now, brindibishonstore dot com. I'm going right now, fabulous.

0:50:57.480 --> 0:50:59.680
<v Speaker 1>All right, Well, let me do a quick brown Boost

0:50:59.840 --> 0:51:03.640
<v Speaker 1>because babe upstairs really wants me and I miss him.

0:51:03.680 --> 0:51:06.440
<v Speaker 1>Oh my goodness, it's been a few hours, so brown Boost.

0:51:06.480 --> 0:51:10.359
<v Speaker 1>I finally finally hired a babysitter. My neighbor's daughter has

0:51:10.400 --> 0:51:13.480
<v Speaker 1>been coming as of this morning to help more like

0:51:13.520 --> 0:51:17.799
<v Speaker 1>a mother's helper type thing. So and honestly, I was like,

0:51:17.840 --> 0:51:19.520
<v Speaker 1>I need someone here on the days when it's just

0:51:19.560 --> 0:51:22.160
<v Speaker 1>being my husband, because his mother has been coming on

0:51:22.200 --> 0:51:23.680
<v Speaker 1>the days when he has to go to work in

0:51:23.719 --> 0:51:28.160
<v Speaker 1>the city. But like, listen, like guys are stupid, Like

0:51:28.160 --> 0:51:29.960
<v Speaker 1>they're great, they can do a lot of things, but man,

0:51:30.000 --> 0:51:32.520
<v Speaker 1>I just need someone to help him, help him so

0:51:32.560 --> 0:51:36.920
<v Speaker 1>that I can work. And so far, so good. And

0:51:36.960 --> 0:51:38.759
<v Speaker 1>that was a huge, huge step for me, just like

0:51:38.840 --> 0:51:41.840
<v Speaker 1>mentally welcoming someone else into the house who's not a

0:51:41.840 --> 0:51:45.040
<v Speaker 1>blood relative. But we've gotten to know our neighbors. That's

0:51:45.040 --> 0:51:47.480
<v Speaker 1>been a real blessing of this pandemic. It just feels

0:51:47.480 --> 0:51:51.200
<v Speaker 1>like the couple of blocks, you know, around us, we've

0:51:51.239 --> 0:51:53.719
<v Speaker 1>just become this really nice little community and helping each

0:51:53.719 --> 0:51:56.240
<v Speaker 1>other out. And I've gotten to know my neighbors really well,

0:51:56.320 --> 0:52:00.080
<v Speaker 1>and I'm excited because she's like a college student and

0:52:00.080 --> 0:52:04.160
<v Speaker 1>she's interested in early childhood education and she's really good

0:52:04.160 --> 0:52:07.319
<v Speaker 1>with kids and anyway, and it's helping me out and

0:52:07.520 --> 0:52:11.040
<v Speaker 1>it feels good to be a working mom with a little.

0:52:10.760 --> 0:52:11.239
<v Speaker 2>Bit of help.

0:52:11.960 --> 0:52:15.000
<v Speaker 1>So brown boost for myself finally getting over the mental

0:52:15.040 --> 0:52:18.000
<v Speaker 1>hurdle of asking for help and hiring some help with

0:52:18.080 --> 0:52:21.480
<v Speaker 1>the baby. I'm proud of you, well, you know, what

0:52:21.600 --> 0:52:25.400
<v Speaker 1>boost up yourself? I was my own brown boost. I

0:52:25.440 --> 0:52:26.000
<v Speaker 1>need that shirt.

0:52:27.040 --> 0:52:27.440
<v Speaker 2>You know what.

0:52:27.560 --> 0:52:30.040
<v Speaker 3>I'm going to boost up myself too, because so the

0:52:30.120 --> 0:52:31.960
<v Speaker 3>book you guys, I don't know if you guys know,

0:52:32.000 --> 0:52:35.719
<v Speaker 3>but I'm writing this adult book. It's literally like adulting,

0:52:36.000 --> 0:52:38.480
<v Speaker 3>the finance book you need for like your adulting life.

0:52:38.560 --> 0:52:40.840
<v Speaker 1>Right when you said adult book, I started thinking like

0:52:40.960 --> 0:52:48.920
<v Speaker 1>adult movie. The tax accountants that come to my office.

0:52:50.280 --> 0:52:52.520
<v Speaker 3>No, because I've been trying to crack the code on

0:52:52.920 --> 0:52:55.280
<v Speaker 3>how do regular everyday people get good with their buddy?

0:52:55.320 --> 0:52:57.600
<v Speaker 3>Like you know, like how does the mechanic, the teacher,

0:52:58.080 --> 0:53:01.640
<v Speaker 3>the or the engineer, the doctor, the NBA player, Like

0:53:01.680 --> 0:53:03.920
<v Speaker 3>how do you get good with your money? And so

0:53:04.640 --> 0:53:07.280
<v Speaker 3>for the last like three years, I've been perfecting something

0:53:07.320 --> 0:53:10.200
<v Speaker 3>called financial wholeness, which is these ten steps that you

0:53:10.239 --> 0:53:12.439
<v Speaker 3>should accomplish in order to get good with your money.

0:53:12.480 --> 0:53:14.720
<v Speaker 3>It starts with budgeting and ends with the state planning.

0:53:15.160 --> 0:53:17.000
<v Speaker 3>But it's like, how does the twenty year old, the

0:53:17.000 --> 0:53:18.440
<v Speaker 3>forty year old, the fifty year old, the sixty year

0:53:18.440 --> 0:53:20.880
<v Speaker 3>old do all ten of those things? And so I

0:53:20.920 --> 0:53:23.520
<v Speaker 3>finally I put it in a book, and I mean,

0:53:23.600 --> 0:53:26.880
<v Speaker 3>I work hard, but I'm not gonna lie I don't

0:53:27.120 --> 0:53:29.960
<v Speaker 3>know that I've ever worked this hard. Maybe once when

0:53:30.000 --> 0:53:32.840
<v Speaker 3>I first started the Literature Academy or the Literature Challenge,

0:53:32.840 --> 0:53:36.120
<v Speaker 3>and it almost killed me. But there are a handful

0:53:36.120 --> 0:53:38.400
<v Speaker 3>of times I can't remember working this hard in this book.

0:53:39.400 --> 0:53:40.680
<v Speaker 2>It is so much work.

0:53:41.000 --> 0:53:43.440
<v Speaker 3>I don't know that I'm gonna write another one, but

0:53:43.480 --> 0:53:46.799
<v Speaker 3>I'm just really excited about it. I finally submitted the

0:53:46.840 --> 0:53:49.680
<v Speaker 3>final manuscript, because what happens is you kind of like

0:53:49.680 --> 0:53:51.840
<v Speaker 3>write this draft and it gets edited about the editor

0:53:51.920 --> 0:53:53.319
<v Speaker 3>that she sends it back to you, and then you

0:53:53.440 --> 0:53:56.399
<v Speaker 3>edit it some more, and so I submitted, like it's

0:53:56.400 --> 0:53:58.040
<v Speaker 3>not the final, final, final, it has to go to

0:53:58.080 --> 0:54:01.399
<v Speaker 3>copy editing and some other two weeks, but it is,

0:54:01.520 --> 0:54:03.759
<v Speaker 3>I would probably say a good seventy five percent of

0:54:03.800 --> 0:54:04.279
<v Speaker 3>the way they are.

0:54:04.280 --> 0:54:05.600
<v Speaker 2>But it's a full manuscript.

0:54:05.600 --> 0:54:08.960
<v Speaker 3>And I could weep with joy when I tell you, Mandy,

0:54:08.960 --> 0:54:11.160
<v Speaker 3>I have been working anywhere on the low end three

0:54:11.200 --> 0:54:13.960
<v Speaker 3>hours a day upwards. One day I worked eight straight

0:54:14.000 --> 0:54:17.680
<v Speaker 3>hours on the book, and I just it's a level

0:54:17.680 --> 0:54:20.120
<v Speaker 3>of work that I just do not want to do anymore.

0:54:21.920 --> 0:54:24.600
<v Speaker 2>I'm just so I could weep the opposite of passive income.

0:54:24.840 --> 0:54:26.960
<v Speaker 2>Yes it is. When they told me like this, we

0:54:27.440 --> 0:54:29.960
<v Speaker 2>have a manuscript. I was like okay.

0:54:30.280 --> 0:54:31.719
<v Speaker 3>So they were like, well, we won't bother you for

0:54:31.760 --> 0:54:33.600
<v Speaker 3>another couple of weeks because the copy editor is going

0:54:33.640 --> 0:54:35.319
<v Speaker 3>to go over it and then you send it back

0:54:35.320 --> 0:54:37.640
<v Speaker 3>to you and you know, like get whatever tweets you

0:54:37.680 --> 0:54:38.080
<v Speaker 3>want to make.

0:54:38.080 --> 0:54:40.000
<v Speaker 2>But it's done.

0:54:40.080 --> 0:54:43.240
<v Speaker 3>And I'm really proud of myself because I pushed myself

0:54:43.239 --> 0:54:45.040
<v Speaker 3>to the next level. Like I said, I work hard,

0:54:45.040 --> 0:54:46.920
<v Speaker 3>but this was another level of work which I do

0:54:47.000 --> 0:54:50.360
<v Speaker 3>not encourage because I have not I'm like, my husband's like,

0:54:50.400 --> 0:54:52.200
<v Speaker 3>what do you look like? Okay, I wouldn't know because

0:54:52.200 --> 0:54:54.400
<v Speaker 3>you live in your office. So I am going to

0:54:54.400 --> 0:54:56.880
<v Speaker 3>spend actual time with him over the next couple of weeks.

0:54:56.920 --> 0:54:59.960
<v Speaker 2>And you're gonna need more books. No, I don't want to.

0:55:00.520 --> 0:55:01.360
<v Speaker 2>I won't be as hard.

0:55:01.200 --> 0:55:02.640
<v Speaker 1>As the first one. But you're gonna do more.

0:55:02.719 --> 0:55:04.560
<v Speaker 2>I don't want any honestly, I don't.

0:55:04.719 --> 0:55:06.960
<v Speaker 1>They're addicting You're gonna do more, but it'll be fine

0:55:07.000 --> 0:55:08.080
<v Speaker 1>because you get a ghostwriter.

0:55:08.160 --> 0:55:08.880
<v Speaker 2>It'll be great. No.

0:55:09.000 --> 0:55:11.640
<v Speaker 3>See, the the the self published books are easy because

0:55:11.719 --> 0:55:12.920
<v Speaker 3>you know you set your own timeline.

0:55:12.960 --> 0:55:13.839
<v Speaker 2>These books that are.

0:55:13.760 --> 0:55:17.239
<v Speaker 3>Owed to the publisher, girl, they don't play with you,

0:55:17.280 --> 0:55:19.319
<v Speaker 3>they're like, give me the book or I will come

0:55:19.320 --> 0:55:21.120
<v Speaker 3>to your house and snatch it from your cold dead

0:55:21.120 --> 0:55:23.719
<v Speaker 3>hands after strangling you. And so you get emails like that,

0:55:23.719 --> 0:55:25.759
<v Speaker 3>you're like, I mean they're really nice, but it's just there.

0:55:26.080 --> 0:55:28.960
<v Speaker 3>The deadlines are what are It's like, what's really overwhelming?

0:55:29.000 --> 0:55:30.960
<v Speaker 3>So I just say all that to say that, like,

0:55:31.239 --> 0:55:34.120
<v Speaker 3>it's done. I cannot wait for you know, it comes

0:55:34.160 --> 0:55:37.000
<v Speaker 3>out next year April. I cannot wait for you guys

0:55:37.040 --> 0:55:38.680
<v Speaker 3>to read it. I think it's going to change so

0:55:38.680 --> 0:55:41.120
<v Speaker 3>many lives. It is my best book to date. And

0:55:41.160 --> 0:55:42.920
<v Speaker 3>I usually am part of myself because I think, like

0:55:42.960 --> 0:55:45.279
<v Speaker 3>everything I do is only okay. I'm like, I give

0:55:45.280 --> 0:55:48.280
<v Speaker 3>yourself a C, but for this book, I give myself

0:55:48.280 --> 0:55:49.799
<v Speaker 3>a solid B plus, which is.

0:55:49.719 --> 0:55:51.600
<v Speaker 2>Like really good because I never think I do a

0:55:51.600 --> 0:55:54.560
<v Speaker 2>good job. So bron Boosts. We're bron boosting up, boost

0:55:54.600 --> 0:55:56.399
<v Speaker 2>up yourself again. Book book, book book.

0:55:57.360 --> 0:56:01.440
<v Speaker 1>The budget needs to publishing outfit in print needs to happen.

0:56:01.800 --> 0:56:03.040
<v Speaker 2>Yeah, no, girl, I'm tired.

0:56:04.440 --> 0:56:07.560
<v Speaker 1>You will feel it's no I'm serious. They they say

0:56:07.600 --> 0:56:09.200
<v Speaker 1>it's like having a baby. When you write a book,

0:56:09.239 --> 0:56:12.359
<v Speaker 1>it's like you'll forget all the pain for your next one.

0:56:12.440 --> 0:56:13.279
<v Speaker 1>And you'll do it again.

0:56:14.200 --> 0:56:15.600
<v Speaker 2>We all see we go.

0:56:17.200 --> 0:56:19.440
<v Speaker 1>Well, I'm excited for you.

0:56:19.440 --> 0:56:20.280
<v Speaker 2>Congrats.

0:56:20.320 --> 0:56:24.319
<v Speaker 1>Get good with your money by tippany Alija. Yes, all right, well,

0:56:24.320 --> 0:56:27.319
<v Speaker 1>thanks y'all for another fabulous week at brand Ambition. Yes,

0:56:27.440 --> 0:56:30.839
<v Speaker 1>it's been awesome five years and one week anniversary.

0:56:31.440 --> 0:56:33.080
<v Speaker 3>Yes, and I like the I like the mail bag.

0:56:33.080 --> 0:56:35.680
<v Speaker 3>We should do it more often mailbag m hmm.

0:56:35.880 --> 0:56:37.759
<v Speaker 1>All right, y'all, thanks so much for your questions, Thank

0:56:37.800 --> 0:56:40.920
<v Speaker 1>you for listening. Don't forget to leave us a review

0:56:41.160 --> 0:56:44.000
<v Speaker 1>and a star rating on iTunes. Hopefully it's five stars,

0:56:44.000 --> 0:56:46.160
<v Speaker 1>but you know, up to you, up to you, and

0:56:46.200 --> 0:56:48.279
<v Speaker 1>then head over to brannambitiononstore dot com and pick up

0:56:48.320 --> 0:56:51.080
<v Speaker 1>your swag and get something for your friend and your

0:56:51.080 --> 0:57:01.120
<v Speaker 1>mother and your husband and everybody, everybody