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

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Speaker 1: b a q A the b a qa Brian Ambition

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Speaker 1: Question and Answer. You know, once a week. We'd like

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Speaker 1: to jump on here and just do a que a

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Speaker 1: quick b a q A me a manager are geared up.

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Speaker 1: If you have a question on which you know you do,

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Speaker 1: we love to hear them. You can send it to

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Speaker 1: us via Instagram. Our instagram is what's that instagram again

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Speaker 1: at Brian Ambition podcast, right, so just make sure if

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Speaker 1: you want to be anonymous to say so, or you

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Speaker 1: can send us a question via Briannabition podcast dot com

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Speaker 1: and press ask us anything. There's a button there. Is

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Speaker 1: there any other ways that people can kind of submit

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Speaker 1: an answer a question.

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Speaker 2: Oh, you know, you can hit us up at our

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Speaker 2: AG's at Mandy Money or at the Budgetnista or did

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Speaker 2: we already say brandabissionpodcast dot com, m h ask us

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Speaker 2: anything ask us that's about it.

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Speaker 1: Yeah, so you have not available career career questions, business questions,

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Speaker 1: finance questions. You know we were here for all.

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Speaker 2: Of it, you know, awkward relationship questions. We'll take those two. Okay, folks,

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Speaker 2: I wanted to I saw a really cute email Brandabission

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Speaker 2: podcast at gmail dot com is our email again. Really

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Speaker 2: cute email from listener Kirsten who listened to last week's

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Speaker 2: be A, Q and A, which y'all should go back

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Speaker 2: and listen to if you missed it, No, no worries,

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Speaker 2: you can still catch it wherever you listen to podcasts

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Speaker 2: where we talked about black women and the struggle that

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Speaker 2: you can feel when you were a black woman and

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Speaker 2: an introvert. So I just wanted to shout her out

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Speaker 2: and read this little message as she said that she

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Speaker 2: sent us. So she says, hey, thank you for talking

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Speaker 2: about introversion. I grew up in a super white community.

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Speaker 2: Sometimes I was the only black student at school, and

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Speaker 2: I struggled a lot with identity and my young adult years.

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Speaker 2: I'm now in my mid to late thirties, and it's

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Speaker 2: only recently that I've come to realize that I often

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Speaker 2: don't feel black enough because they were such limited representation.

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Speaker 2: Black women are expected to be witty, quippy, and funny.

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Speaker 2: Of course, even better if you can sing and dance

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Speaker 2: and me the life of the party, an assumption that

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Speaker 2: clearly has its roots in Minstrelly. In Minstrelly and wait

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Speaker 2: minstrelsy and I don't understand that yet. This caused much

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Speaker 2: stress to my young self because Moesha and Brandy was

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Speaker 2: probably the most famous young black woman on TV, at

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Speaker 2: least in my community. So anyway, I felt seen. I

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Speaker 2: wish my teen self had known you, barn Ambishen were

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Speaker 2: out there. Thank you for the good show, the excellent discussions.

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Speaker 2: I'm starting to dig into Tiffany's book, Get It with Money.

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Speaker 2: It's going to change my life. I'm excited for your

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Speaker 2: new venture. Mandy, and you're both such an inspiration.

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Speaker 1: Oh, Kirsten as a Tello girl who literally like a

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Speaker 1: super white community where I was oftentimes to the only

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Speaker 1: black girl in school. I remem my husband first met me, Mandy,

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Speaker 1: because I mean a lot of the I've got a

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Speaker 1: lot more soul in my voice now. He thought that

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Speaker 1: I was putting on an accent because I used to

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Speaker 1: sound like this, Hey my name, I can't even do

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Speaker 1: it m m oh no, yeah, my name is Tiffany,

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Speaker 1: and yeah, so how like it was. But it was

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Speaker 1: I was putting on. It was just I grew up

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Speaker 1: in this neighborhood and that's what I sounded like. He

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Speaker 1: was like, when are you gonna stop talking like that.

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Speaker 1: I'm like, like what he's like, like, like that is

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Speaker 1: that how you talk? For real? No, he's the literally

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Speaker 1: have people come over with you, come eat her talk

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Speaker 1: say something. I'm like, first of all, so because of

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Speaker 1: my husband who he is, and living in New York

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Speaker 1: for so long, I got like a lot more soul

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Speaker 1: in my voice, you know, just because you know who

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Speaker 1: you're around. You kind of like acclimate too. But I

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Speaker 1: understand like because Mosha was, you know, that was the

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Speaker 1: closest that I could see to like yes, like a

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Speaker 1: black kind of like woman superhero where I was like, oh,

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Speaker 1: I feel similar, you know.

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Speaker 2: Yeah, well Mosha was on a tainable goal for me,

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Speaker 2: at least now that it's like at least there's various

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Speaker 2: different black like versions of black teens and versions of

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Speaker 2: I was just talking to Tiffany about this movie, this

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Speaker 2: new movie Vivo on Netflix, which is so cute if

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Speaker 2: you have kids or not even with kids. I watch

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Speaker 2: the Bout myself with a nice bottle of wine.

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Speaker 1: And it was it was so cute.

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Speaker 2: Well, when I loved about it was a central character

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Speaker 2: as a young girl who is alternative. She's like very punk,

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Speaker 2: she has bright pink, purple hair, and the whole movie

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Speaker 2: is around how she does not want to conform to

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Speaker 2: the other kids and she her Her signature song is

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Speaker 2: Bounce to My Own Drum, and it's about bouncing to

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Speaker 2: her own drum and it is such a banger.

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Speaker 1: You have to lis this song.

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Speaker 2: I have been dancing to it all day.

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Speaker 1: But I was like, look at this.

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Speaker 2: She's not the cute she's not like the shy, quiet introvert.

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Speaker 2: She's not like you know, she's not awkward. She's just

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Speaker 2: who she is. And she's like, I think I'm a

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Speaker 2: fabulous I don't need a lot of friends. I just

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Speaker 2: want to be here with my drum and my magical

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Speaker 2: monkey all playing my music. So I love this and

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Speaker 2: thank you. Thank you Kirsten for sharing that with us.

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Speaker 1: That was really sweet. So we do have a quick

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Speaker 1: question from Tracy in the d MB. Tracy, did you

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Speaker 1: come see me sis because I was in your area

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Speaker 1: this past weekend. Anyway, Hey, ba, is it a good

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Speaker 1: idea slash even possible to open an IRA for my

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Speaker 1: son who will be a college freshman in a few weeks.

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Speaker 2: Thanks in advance, Tracy the DMV thanks to you. I

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Speaker 2: know what that means, and it's not the Department of

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Speaker 2: Motor Vehicles.

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Speaker 1: Yeah.

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Speaker 2: You know what, remember when I got this all confused

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Speaker 2: before and thought that I could open an IRA for

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Speaker 2: my toddler son. But little fine print there is that

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Speaker 2: they have to be working age and able to earn

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Speaker 2: an income at least, So I think, yeah, she should

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Speaker 2: be able to open a if he's working IRA.

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Speaker 1: That's the key he has to because an IRA is

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Speaker 1: for those who don't know, it's an individual retirement account.

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Speaker 1: And so you can only have a retirement account if

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Speaker 1: you're actually employed. And so for example, like super Gris

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Speaker 1: is fourteen and so Angelie who was my amazing financial

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Speaker 1: planner certified financial planner, we're like, she's like, okay, what

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Speaker 1: things does Alyssa do for the Vaginista? Because we can

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Speaker 1: start setting aside, we can open ANGELI suggested a actual

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Speaker 1: a wroth IRA for did she say a wrath ira?

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Speaker 1: I don't remember her say that. Either way, an IRA

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Speaker 1: wrath iras is money that she set aside after taxes

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Speaker 1: are taken out, and the IRA is money you set

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Speaker 1: aside in retirement before taxes are taken out. So anyway,

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Speaker 1: she told me to set up an IRA, and then

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Speaker 1: we can put up to I think I want to

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Speaker 1: say six thousand dollars a year. I believe this is

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Speaker 1: six or sixty five hundred, I don't know, because this

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Speaker 1: is last year was six thousand. Sometimes they some of

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Speaker 1: years they raise it. But basically I could put up

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Speaker 1: the maximum a year, which at that time was six

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Speaker 1: thousand dollars a year into a list of my stepdaughter's

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Speaker 1: retirement account because she was actually working. So that's really

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Speaker 1: the key is that, like if your child is working, yes,

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Speaker 1: and she's at the time she was like, you know, twelve,

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Speaker 1: so the age is not as much of a factor

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Speaker 1: as is that child's working.

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Speaker 2: Yeah. So if they're like a kid model or something

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Speaker 2: like that, that baby on TikTok who eats food.

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Speaker 1: And that baby is working, honey.

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Speaker 2: But I would just say, if he's going to be

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Speaker 2: a college freshman in a few weeks, make sure he's involved,

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Speaker 2: because you know, they should understand he shouldn't because the

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Speaker 2: only thing is if he if he doesn't know what

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Speaker 2: you're doing, he can't appreciate the gains over the years.

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Speaker 2: So maybe involve him, show him a little something. He

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Speaker 2: might roll his eyes. I don't know, Maybe he'll be

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Speaker 2: into it, but try to involve at least in the

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Speaker 2: opening and explaining what or let him choose what he's

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Speaker 2: going to invest in, you know, through.

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Speaker 1: His account for sure.

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Speaker 2: All right, Tiff, Now this questions a doozy.

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Speaker 1: A doozy. I'm like, I'm tracking.

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Speaker 2: I need to do a shoulder roll. It's a lot

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Speaker 2: of words, yes, but I want to help her. So

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Speaker 2: this is an anonymous b a q A question, and

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Speaker 2: I'm going to read this slowly and thoughtfully, but it's

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Speaker 2: a student loan versus investing kind of question. All right.

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Speaker 2: So this listener says, I am currently renting out a

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Speaker 2: condo that I bought when I was single and netting

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Speaker 2: just under five hundred dollars a month. I want to

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Speaker 2: maximize and leverage my profits. I'm considering a few options

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Speaker 2: and need some help. I don't have any debt except

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Speaker 2: for student loans and two mortgages, one on my main

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Speaker 2: home and one on my rental. I owe about forty

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Speaker 2: eight thousand dollars on my student loans, and I was

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Speaker 2: silly and I refinanced out of my federal loans for

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Speaker 2: a lower rate in twenty nineteen. My goal is to

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Speaker 2: pay off my student loans asap. My payments are seven

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Speaker 2: hundred and thirty dollars a month, but I'm considering refinancing

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Speaker 2: again for more breathing room. So here are some options

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Speaker 2: she's considering again. Her goal is to pay off her

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Speaker 2: loans asap and try to leverage that five hundred dollars

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Speaker 2: a month that she's getting from that rental all right,

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Speaker 2: So she thinks she has four options. Option one, don't

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Speaker 2: refinance the school loan. Take three hundred dollars from her

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Speaker 2: rental profit and put that on top of her student

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Speaker 2: loan payment, so she'd be paying about one thousand dollars

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Speaker 2: a month instead of seven thirty. Number two, don't refinance

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Speaker 2: a student loans. Take that three hundred dollars profit from

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Speaker 2: her rental company and help that help to subsidize her

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Speaker 2: seven thirty payment, which means three hundred dollars of that

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Speaker 2: seven thirty would come from her rental profit and four

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Speaker 2: hundred dollars would come out of her regular income. You

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Speaker 2: still with me, all right? Number three, refinance to a

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Speaker 2: payment around four to five hundred dollars a month. So

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Speaker 2: she's talking about refinancing again to get a lower monthly

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Speaker 2: payment and then invest three hundred dollars a month for

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Speaker 2: a couple of years and attempt to bank a lump

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Speaker 2: sum payment on her loans down the road, and for

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Speaker 2: four say f them loans refinance to a payment around

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Speaker 2: four to five hundred dollars a month, and then invest

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Speaker 2: that three hundred dollars a month profit to save up

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Speaker 2: and pay cash for my next car in a few years,

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Speaker 2: I should add, she says that my husband and I

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Speaker 2: are planning to start a family, but struggling with infertility treatments,

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Speaker 2: so there's no guarantees. Also, I appreciate Tiffany's transparency so much.

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Speaker 2: I never thought i'd cry during a finance podcast. You know,

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Speaker 2: we laugh, we cry, We make money.

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Speaker 1: Girl, all the things over here around here, with all

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Speaker 1: the things, so all the things, I do you have

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Speaker 1: a do you have a? Do you have? What you

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Speaker 1: think of? What you want? What you want? What you

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Speaker 1: want to say?

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Speaker 2: I mean, where do we start? So she's already in

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Speaker 2: the situation she is, where she's refinanced her federal loans

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Speaker 2: to get the lower rate.

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Speaker 1: So let's just start there and just tell people like, well,

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Speaker 1: it's my opinion that for the most part, I really

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Speaker 1: suggest people and this is no shame to you. We're

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Speaker 1: gonna call you Brenda because Brenda had a baby and

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Speaker 1: you gonna get that baby, Brenda. Okay, So for Tupac,

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Speaker 1: for you, Tupaca Loves Branda had a baby. That's the

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Speaker 1: song anyway, So Brenda. So this is no shade to you, Brenda.

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Speaker 1: But this is a good lesson for everyone. One of

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Speaker 1: the reasons why Mandy and I and Mandy, I've heard

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Speaker 1: you say, well, I say this that I really don't

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Speaker 1: like for people to refinance out of federal student loans,

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Speaker 1: even for a lower rate. Oh, because although the lower

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Speaker 1: rate is very attractive, that there are some rules in

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Speaker 1: place that protect you with federal student loans that you

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Speaker 1: can't get that same protection with a private loans. So,

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Speaker 1: for example, now we have this moratorium where for over

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Speaker 1: a year now you haven't had to pay any interest

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Speaker 1: or any payment on your student loan. That does not

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Speaker 1: apply to private student loans. This is only federal student loans.

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Speaker 1: That's where that's where the federal government has agency over

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Speaker 1: And so I just put that out there. So, I mean,

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Speaker 1: I understand why you did it. You know, like you know,

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Speaker 1: you wanted to lower your payments so I just want

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Speaker 1: to put that out there first.

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Speaker 2: Yeah. Absolutely, I mean, if she only just read, it

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Speaker 2: sucks because you can only do You can make decisions

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Speaker 2: based on the information that you have at the time.

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Speaker 2: So in twenty nineteen, it probably felt perfectly fine to

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Speaker 2: refinance her student loan out of federal debt with a

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Speaker 2: private loan at a lower rate. But you know, if

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Speaker 2: she had just waited till the pandemic hit and the

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Speaker 2: White House, you know, stopped student loan payments on federal

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Speaker 2: loans and also stopped interest from occurring, that would have

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Speaker 2: been nice. But hey, she didn't. She is where she is.

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Speaker 2: I would just wonder, you know how much I would

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Speaker 2: do the math and you don't stay here. If you've

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Speaker 2: actually shopped around refi rates, you actually can. I think

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Speaker 2: a lot of refic sites will actually let you do

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Speaker 2: a soft credit check to see what your rate might be,

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Speaker 2: so see if you can actually save and get a

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Speaker 2: lower rate. It's only been a couple of years, but

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Speaker 2: we all know rates have been falling, you know, since

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Speaker 2: the pandemic. So maybe you have such a substantial you know,

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Speaker 2: savings that it would make sense for you to refinance again.

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Speaker 2: But it sounds like she wants to not just refinance

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Speaker 2: for a lower rate, but actually refinance and stretch out

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Speaker 2: to a longer repayment term, because by stretching out the

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Speaker 2: number of years she has to repay the debt, she

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Speaker 2: could reduce her monthly payment, which would then free up

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Speaker 2: an extra three hundred bucks which she could then put

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Speaker 2: toward an investment or you know, her save up for

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Speaker 2: her car in the future. Right, h So do you

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Speaker 2: think about that if.

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Speaker 1: It was me, Because you know, we're not financial. We're

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Speaker 1: not your financial advisor, nor are we financial advisors. Were

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Speaker 1: just two girls, two financial girlfriends. Okay, So if this

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Speaker 1: was wa, I'm giving advice to not Brianda, but Tiffany,

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Speaker 1: I would say, hey, tiff girlhead girl, you already refinanced

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Speaker 1: out of the federal student loans, so we hear now,

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Speaker 1: I would go ahead and refinance again because why pay

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Speaker 1: more when I can play less? Hello? So I would

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Speaker 1: refinance now. I would check to see I'd be hesitant

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Speaker 1: to refinance for a longer term, but I would you know,

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Speaker 1: I'd be open to refinancing for the same length of

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Speaker 1: time and if I can save, you know, like an

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Speaker 1: additional one hundred and two hundred dollars. That would be awesome. Now,

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Speaker 1: I because student loans typically, especially if you're refinancing, Because

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Speaker 1: student loans, the interest rates are typically reasonable. And I'm

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Speaker 1: assuming if you left federal student loans to go those

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Speaker 1: private student loans, they're fairly reasonable. Because federal student loan

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Speaker 1: interest rates are fairly reasonable, not double digit interest. Then

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Speaker 1: I would not, honestly, part of me says Part four

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Speaker 1: at them loans partially meaning like sis, you're not getting

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Speaker 1: no more than me than this minimum. Because girl, I

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Speaker 1: have life to live. I would be giving my student

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Speaker 1: loans this money. I would set it and set I

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Speaker 1: forget it. I would use the excess money to grow wealth.

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Speaker 1: I wouldn't even like, you know, like you know your car,

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Speaker 1: that's cute, But honestly, I'd be using this excess money

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Speaker 1: to grow wealth. You already have one investment property, maybe another,

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Speaker 1: maybe put into the market. So that's what I would

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Speaker 1: be doing. I would say, you know, I'm going to refinance.

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Speaker 1: I'm going to give the loans whatever it's minimum is,

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Speaker 1: you know, and I'm going to use This is what

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Speaker 1: I did as a budgetista as well as Tiffany. I

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Speaker 1: had was really aggressive with paying off my credit card debt,

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Speaker 1: paid them off. I'm talking about aggressive all the money

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Speaker 1: I had, and then I was like, dang, I really

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Speaker 1: don't want to live in this room. I'd been renting

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Speaker 1: a room because that's all I could afford. I don't

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Speaker 1: want to be living in this room for the next

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Speaker 1: another four or five years because I want to be

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Speaker 1: aggressive with paying off student loan debt. That's not my ministry,

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Speaker 1: and Brenda, I don't believe is yours as well. So

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Speaker 1: instead of what I did was I paid the minimum

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Speaker 1: to my student loans, I automated it, and then I

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Speaker 1: focused my time, energy and the rest of the money

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Speaker 1: I had left over on growing wealth. And in that

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Speaker 1: same five years, I could have been living in that room.

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Speaker 1: At the end of five years, I had my lump

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Speaker 1: sum plus some so I was like, ooh, I have

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Speaker 1: a business. I've got the mine was fifty two thousand.

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Speaker 1: I have the fifty two thousand dollars plus an additional

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Speaker 1: probably a hundred thousand dollars I think I had saved

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Speaker 1: by then, so I had all the things. So I

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Speaker 1: never think that focusing on debt is the right place

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Speaker 1: to place your energy, because where your energy goes that's

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Speaker 1: what grows, and so refinance, Tiffany. I'm not talking about

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Speaker 1: ID because you know, we don't get financial vices in

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Speaker 1: that way. Tiffany, I would refinance. I would take that

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Speaker 1: extra money. I would use it to grow wealth, and

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Speaker 1: over time, as I got my lump sum, you know

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Speaker 1: that I could pay it off because I'd have My

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Speaker 1: assumption is I'm going to have additional money, not just

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Speaker 1: the lump sum for the student loan debt. Yeah, I agree.

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Speaker 2: I mean I think the key here is that if

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Speaker 2: you've refinanced to a longer term to lower your monthly

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Speaker 2: payment and say you're actually doing something with that extra

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Speaker 2: money and not just you know, pocketing it for for

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Speaker 2: to you know, sustain your lifestyle or to improve your lifestyle,

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Speaker 2: but saving it, investing it. Like you said, I don't

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Speaker 2: know so much about like investing for a car that

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Speaker 2: you're going to buy in the next few years. That's

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Speaker 2: a I mean, that's a long ish but it's not

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Speaker 2: quite long enough for me to say, yeah, maybe put

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Speaker 2: that money in the market. But you know, you can

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Speaker 2: set part of that aside for your you know, in

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Speaker 2: a cash savings account for your new car and be

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Speaker 2: ready for that in a couple of years and then

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Speaker 2: you know, invest the rest into a brokerage account. And

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Speaker 2: there's my child screaming in the background. But I think

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Speaker 2: this is a This is a real complex and fascinating

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Speaker 2: conundrum that I think a lot of people are in.

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Speaker 2: But the key, like Tiffany said, is put that money

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Speaker 2: to work and don't just use it to you know

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Speaker 2: that that's the kind of thing where if you don't

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Speaker 2: automate it, like Tiffany said, the money can easily disappear. Yep,

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Speaker 2: three hundred bucks is like three you know, nice dinners

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Speaker 2: out and I mean you'd be surprised how quickly you

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Speaker 2: can go. So really really being yeah, really being thoughtful

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Speaker 2: and putting that money into work is going to be

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Speaker 2: the key here.

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Speaker 1: And make the plan ahead of time. I tell this

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Speaker 1: to everyone that I'm actually reading this book Atomic Habits

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Speaker 1: right now. You've heard of it, right Mandy by James

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Speaker 1: hor Are.

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Speaker 2: She's reading another book, I know.

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Speaker 1: I just finished David and Goliath by Malcolm Glad. Girl.

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Speaker 2: I think all I can do to read my email.

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Speaker 1: After this six weeks, I'm a change. Look at my

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Speaker 1: skin glowing gla This six weeks off has changed me.

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Speaker 1: So anyway, so I'm reading Atomic Habits, which is awesome. Well,

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Speaker 1: Tracy always shades me. She said, you're not reading it,

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Speaker 1: it's being read to you audible read girl. I hate

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Speaker 1: it's always go they hate.

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Speaker 2: Get her audiobooks reading.

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Speaker 1: I hate trace the hater. Anyway, So I'm reading Atomic Habits.

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Speaker 1: And one of the things that he said that I

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Speaker 1: thought was really powerful. We can kind of like close

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Speaker 1: on this is that people think that you have to

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Speaker 1: have this like herculean discipline, right, And what they found

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Speaker 1: with people who are quote unquote super disciplined is not

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Speaker 1: that there's so disciplined, is that they have learned to

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Speaker 1: create environments where they don't have to exercise discipline as much.

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Speaker 1: You know. So it's not like, oh my god, you know, Mandy,

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Speaker 1: you know you're you're so good at writing, You're such

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Speaker 1: a disciplined writer. Yes you are, But you created your

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Speaker 1: she shed cave, your she cave where then the zend

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Speaker 1: I was like, what's the damn name? You created? What?

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Speaker 1: You created a zen den? Which so if you have

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Speaker 1: if you were, like say, writing at the dining room table,

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Speaker 1: then you'd be less likely to write. But you've created

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Speaker 1: an environment that's like, this is just for Mandra and

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Speaker 1: this is this is a creative space where my juices

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Speaker 1: can flow. So what I will say to you, Brenda

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Speaker 1: and anyone listening, is that to before any money or

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Speaker 1: or whatever comes in, to create the plan ahead of

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Speaker 1: time and then set that automation up so you don't

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Speaker 1: actually have to be as disciplined. You know that literally,

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Speaker 1: automation is the new discipline. And Brenda, I'll say this

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Speaker 1: because I know how hard, like you know the journey

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Speaker 1: is with IVF. I mean, you know, I'm on my

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Speaker 1: last last run as it is right now, and so

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Speaker 1: I mean you're allowed to feel bad and terrible about it.

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Speaker 1: You know, people will tell you like, oh, you know,

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Speaker 1: it's gonna be all right, and I mean, I can't

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Speaker 1: promise that it's gonna work out. I don't know, but

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Speaker 1: I do know that, you know, lean into your partner,

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Speaker 1: lean into your family and friends, and you know, do

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Speaker 1: what's right for you. Because people are like, well, why

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Speaker 1: don't you just adopt I'm like, you know, everybody gonna

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Speaker 1: tell you their own opinion, and I just say that

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Speaker 1: do what's right for you. You are allowed to feel

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Speaker 1: however you want to feel about it. But know that

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Speaker 1: it is not I've learned this from myself, that it

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Speaker 1: is not a condemnation of your character. There's nothing wrong

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Speaker 1: with you. Quite honestly, it's a little bit troubling in

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Speaker 1: that people don't talk about it, but human beings, fertility

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Speaker 1: of human beings is down significantly, I mean men and

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Speaker 1: women like I mean when I go to the clinic,

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Speaker 1: I see women who are twenty six all the way

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Speaker 1: up to forty something like me. You know, and my

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Speaker 1: doctor said, literally, you know that fertility doctor around the

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Speaker 1: around the world are like puzzled by, like wow, that

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Speaker 1: it's not that people are just having less kids. You

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Speaker 1: are way less fertile than your grandmother was, way less fertile.

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Speaker 1: And so you know, you're not the only one struggling.

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Speaker 1: When I found out that Michelle Obama both her kids

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Speaker 1: were I U I, which is instead of I you

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Speaker 1: I IVF, it's kind of like the Turkey baseder method.

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Speaker 1: Not to be so graphic, right, but you know that

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Speaker 1: so many women you'd be surprised, You're like, really so

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Speaker 1: and so many women are struggling. So you're not alone

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Speaker 1: in it. And that's why I talk about it. Even

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Speaker 1: though that one girl said to stop boo boo and

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Speaker 1: the boo Boo's still doing it. No, I don't do

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Speaker 1: that just to be funny, because you know, I don't

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Speaker 1: care what she has to say. But Brenda, you know

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00:20:39,720 --> 00:20:44,160
Speaker 1: I am a sister in fertility struggle, and you know

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00:20:44,680 --> 00:20:46,879
Speaker 1: what will be will be, and you will still be

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00:20:46,920 --> 00:20:50,000
Speaker 1: this amazing woman either way. And keep your money. Sist

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00:20:50,800 --> 00:20:52,480
Speaker 1: them government. People can't get it when you good and

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00:20:52,520 --> 00:20:59,760
Speaker 1: ready f them. Loon. Oh that's a good one. Oh,

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00:21:00,119 --> 00:21:01,440
Speaker 1: should be loans.

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Speaker 2: S them loans.

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Speaker 1: That's the cue.

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Speaker 2: All right, y'all, Well, thank you for your questions.

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00:21:09,040 --> 00:21:09,280
Speaker 1: Again.

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00:21:09,400 --> 00:21:12,959
Speaker 2: Hit us up Brownhambision Podcast at gmail dot com, or

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00:21:13,040 --> 00:21:15,199
Speaker 2: you can hit us up on G on I G.

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00:21:15,520 --> 00:21:18,400
Speaker 2: We are at Brown Ambition Podcast on the Gram.

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00:21:18,760 --> 00:21:21,480
Speaker 1: And if you have not shared this episode yet, stop

445
00:21:21,520 --> 00:21:24,160
Speaker 1: what you do when and share. Share, Share, get the link,

446
00:21:24,480 --> 00:21:27,080
Speaker 1: share browne Pitsion podcast dot com the link, share with

447
00:21:27,119 --> 00:21:31,040
Speaker 1: at least three different people. We want to expand our

448
00:21:31,160 --> 00:21:32,960
Speaker 1: reach and I think so many people could just really

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00:21:33,000 --> 00:21:34,480
Speaker 1: use a little Brown Ambition in their lives.

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Speaker 2: So absolutely, until next b a Q and a I

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00:21:40,080 --> 00:21:41,720
Speaker 2: have the en in there. You say b a qa,

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00:21:41,760 --> 00:21:44,840
Speaker 2: I'm always like b a q and a oh b.

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00:21:44,840 --> 00:21:46,639
Speaker 1: A q and a actually kind of like the b

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00:21:46,760 --> 00:21:49,439
Speaker 1: a q and a Okay, oh b.

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00:21:49,400 --> 00:21:53,400
Speaker 2: A q any of my little ideas.

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Speaker 1: All right, Mary, I have to go.

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00:21:56,640 --> 00:21:58,320
Speaker 2: I just got my birthday pictures back, so I need

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00:21:58,400 --> 00:21:59,080
Speaker 2: to go look at myself.

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Speaker 1: Yeah, so you're doing that yellow. That yellow was already happen.

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Speaker 1: I was like, what may be doing the most And

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Speaker 1: I love it.

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Speaker 2: I do what I can. Okay, all right, tipful, go

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Speaker 2: get some rest, right,