Speaker 1: It's time for the b a q a A the
Speaker 1: b a q A the b a qa Brian Ambition
Speaker 1: Question and Answer. You know, once a week. We'd like
Speaker 1: to jump on here and just do a que a
Speaker 1: quick b a q A me a manager are geared up.
Speaker 1: If you have a question on which you know you do,
Speaker 1: we love to hear them. You can send it to
Speaker 1: us via Instagram. Our instagram is what's that instagram again
Speaker 1: at Brian Ambition podcast, right, so just make sure if
Speaker 1: you want to be anonymous to say so, or you
Speaker 1: can send us a question via Briannabition podcast dot com
Speaker 1: and press ask us anything. There's a button there. Is
Speaker 1: there any other ways that people can kind of submit
Speaker 1: an answer a question.
Speaker 2: Oh, you know, you can hit us up at our
Speaker 2: AG's at Mandy Money or at the Budgetnista or did
Speaker 2: we already say brandabissionpodcast dot com, m h ask us
Speaker 2: anything ask us that's about it.
Speaker 1: Yeah, so you have not available career career questions, business questions,
Speaker 1: finance questions. You know we were here for all.
Speaker 2: Of it, you know, awkward relationship questions. We'll take those two. Okay, folks,
Speaker 2: I wanted to I saw a really cute email Brandabission
Speaker 2: podcast at gmail dot com is our email again. Really
Speaker 2: cute email from listener Kirsten who listened to last week's
Speaker 2: be A, Q and A, which y'all should go back
Speaker 2: and listen to if you missed it, No, no worries,
Speaker 2: you can still catch it wherever you listen to podcasts
Speaker 2: where we talked about black women and the struggle that
Speaker 2: you can feel when you were a black woman and
Speaker 2: an introvert. So I just wanted to shout her out
Speaker 2: and read this little message as she said that she
Speaker 2: sent us. So she says, hey, thank you for talking
Speaker 2: about introversion. I grew up in a super white community.
Speaker 2: Sometimes I was the only black student at school, and
Speaker 2: I struggled a lot with identity and my young adult years.
Speaker 2: I'm now in my mid to late thirties, and it's
Speaker 2: only recently that I've come to realize that I often
Speaker 2: don't feel black enough because they were such limited representation.
Speaker 2: Black women are expected to be witty, quippy, and funny.
Speaker 2: Of course, even better if you can sing and dance
Speaker 2: and me the life of the party, an assumption that
Speaker 2: clearly has its roots in Minstrelly. In Minstrelly and wait
Speaker 2: minstrelsy and I don't understand that yet. This caused much
Speaker 2: stress to my young self because Moesha and Brandy was
Speaker 2: probably the most famous young black woman on TV, at
Speaker 2: least in my community. So anyway, I felt seen. I
Speaker 2: wish my teen self had known you, barn Ambishen were
Speaker 2: out there. Thank you for the good show, the excellent discussions.
Speaker 2: I'm starting to dig into Tiffany's book, Get It with Money.
Speaker 2: It's going to change my life. I'm excited for your
Speaker 2: new venture. Mandy, and you're both such an inspiration.
Speaker 1: Oh, Kirsten as a Tello girl who literally like a
Speaker 1: super white community where I was oftentimes to the only
Speaker 1: black girl in school. I remem my husband first met me, Mandy,
Speaker 1: because I mean a lot of the I've got a
Speaker 1: lot more soul in my voice now. He thought that
Speaker 1: I was putting on an accent because I used to
Speaker 1: sound like this, Hey my name, I can't even do
Speaker 1: it m m oh no, yeah, my name is Tiffany,
Speaker 1: and yeah, so how like it was. But it was
Speaker 1: I was putting on. It was just I grew up
Speaker 1: in this neighborhood and that's what I sounded like. He
Speaker 1: was like, when are you gonna stop talking like that.
Speaker 1: I'm like, like what he's like, like, like that is
Speaker 1: that how you talk? For real? No, he's the literally
Speaker 1: have people come over with you, come eat her talk
Speaker 1: say something. I'm like, first of all, so because of
Speaker 1: my husband who he is, and living in New York
Speaker 1: for so long, I got like a lot more soul
Speaker 1: in my voice, you know, just because you know who
Speaker 1: you're around. You kind of like acclimate too. But I
Speaker 1: understand like because Mosha was, you know, that was the
Speaker 1: closest that I could see to like yes, like a
Speaker 1: black kind of like woman superhero where I was like, oh,
Speaker 1: I feel similar, you know.
Speaker 2: Yeah, well Mosha was on a tainable goal for me,
Speaker 2: at least now that it's like at least there's various
Speaker 2: different black like versions of black teens and versions of
Speaker 2: I was just talking to Tiffany about this movie, this
Speaker 2: new movie Vivo on Netflix, which is so cute if
Speaker 2: you have kids or not even with kids. I watch
Speaker 2: the Bout myself with a nice bottle of wine.
Speaker 1: And it was it was so cute.
Speaker 2: Well, when I loved about it was a central character
Speaker 2: as a young girl who is alternative. She's like very punk,
Speaker 2: she has bright pink, purple hair, and the whole movie
Speaker 2: is around how she does not want to conform to
Speaker 2: the other kids and she her Her signature song is
Speaker 2: Bounce to My Own Drum, and it's about bouncing to
Speaker 2: her own drum and it is such a banger.
Speaker 1: You have to lis this song.
Speaker 2: I have been dancing to it all day.
Speaker 1: But I was like, look at this.
Speaker 2: She's not the cute she's not like the shy, quiet introvert.
Speaker 2: She's not like you know, she's not awkward. She's just
Speaker 2: who she is. And she's like, I think I'm a
Speaker 2: fabulous I don't need a lot of friends. I just
Speaker 2: want to be here with my drum and my magical
Speaker 2: monkey all playing my music. So I love this and
Speaker 2: thank you. Thank you Kirsten for sharing that with us.
Speaker 1: That was really sweet. So we do have a quick
Speaker 1: question from Tracy in the d MB. Tracy, did you
Speaker 1: come see me sis because I was in your area
Speaker 1: this past weekend. Anyway, Hey, ba, is it a good
Speaker 1: idea slash even possible to open an IRA for my
Speaker 1: son who will be a college freshman in a few weeks.
Speaker 2: Thanks in advance, Tracy the DMV thanks to you. I
Speaker 2: know what that means, and it's not the Department of
Speaker 2: Motor Vehicles.
Speaker 1: Yeah.
Speaker 2: You know what, remember when I got this all confused
Speaker 2: before and thought that I could open an IRA for
Speaker 2: my toddler son. But little fine print there is that
Speaker 2: they have to be working age and able to earn
Speaker 2: an income at least, So I think, yeah, she should
Speaker 2: be able to open a if he's working IRA.
Speaker 1: That's the key he has to because an IRA is
Speaker 1: for those who don't know, it's an individual retirement account.
Speaker 1: And so you can only have a retirement account if
Speaker 1: you're actually employed. And so for example, like super Gris
Speaker 1: is fourteen and so Angelie who was my amazing financial
Speaker 1: planner certified financial planner, we're like, she's like, okay, what
Speaker 1: things does Alyssa do for the Vaginista? Because we can
Speaker 1: start setting aside, we can open ANGELI suggested a actual
Speaker 1: a wroth IRA for did she say a wrath ira?
Speaker 1: I don't remember her say that. Either way, an IRA
Speaker 1: wrath iras is money that she set aside after taxes
Speaker 1: are taken out, and the IRA is money you set
Speaker 1: aside in retirement before taxes are taken out. So anyway,
Speaker 1: she told me to set up an IRA, and then
Speaker 1: we can put up to I think I want to
Speaker 1: say six thousand dollars a year. I believe this is
Speaker 1: six or sixty five hundred, I don't know, because this
Speaker 1: is last year was six thousand. Sometimes they some of
Speaker 1: years they raise it. But basically I could put up
Speaker 1: the maximum a year, which at that time was six
Speaker 1: thousand dollars a year into a list of my stepdaughter's
Speaker 1: retirement account because she was actually working. So that's really
Speaker 1: the key is that, like if your child is working, yes,
Speaker 1: and she's at the time she was like, you know, twelve,
Speaker 1: so the age is not as much of a factor
Speaker 1: as is that child's working.
Speaker 2: Yeah. So if they're like a kid model or something
Speaker 2: like that, that baby on TikTok who eats food.
Speaker 1: And that baby is working, honey.
Speaker 2: But I would just say, if he's going to be
Speaker 2: a college freshman in a few weeks, make sure he's involved,
Speaker 2: because you know, they should understand he shouldn't because the
Speaker 2: only thing is if he if he doesn't know what
Speaker 2: you're doing, he can't appreciate the gains over the years.
Speaker 2: So maybe involve him, show him a little something. He
Speaker 2: might roll his eyes. I don't know, Maybe he'll be
Speaker 2: into it, but try to involve at least in the
Speaker 2: opening and explaining what or let him choose what he's
Speaker 2: going to invest in, you know, through.
Speaker 1: His account for sure.
Speaker 2: All right, Tiff, Now this questions a doozy.
Speaker 1: A doozy. I'm like, I'm tracking.
Speaker 2: I need to do a shoulder roll. It's a lot
Speaker 2: of words, yes, but I want to help her. So
Speaker 2: this is an anonymous b a q A question, and
Speaker 2: I'm going to read this slowly and thoughtfully, but it's
Speaker 2: a student loan versus investing kind of question. All right.
Speaker 2: So this listener says, I am currently renting out a
Speaker 2: condo that I bought when I was single and netting
Speaker 2: just under five hundred dollars a month. I want to
Speaker 2: maximize and leverage my profits. I'm considering a few options
Speaker 2: and need some help. I don't have any debt except
Speaker 2: for student loans and two mortgages, one on my main
Speaker 2: home and one on my rental. I owe about forty
Speaker 2: eight thousand dollars on my student loans, and I was
Speaker 2: silly and I refinanced out of my federal loans for
Speaker 2: a lower rate in twenty nineteen. My goal is to
Speaker 2: pay off my student loans asap. My payments are seven
Speaker 2: hundred and thirty dollars a month, but I'm considering refinancing
Speaker 2: again for more breathing room. So here are some options
Speaker 2: she's considering again. Her goal is to pay off her
Speaker 2: loans asap and try to leverage that five hundred dollars
Speaker 2: a month that she's getting from that rental all right,
Speaker 2: So she thinks she has four options. Option one, don't
Speaker 2: refinance the school loan. Take three hundred dollars from her
Speaker 2: rental profit and put that on top of her student
Speaker 2: loan payment, so she'd be paying about one thousand dollars
Speaker 2: a month instead of seven thirty. Number two, don't refinance
Speaker 2: a student loans. Take that three hundred dollars profit from
Speaker 2: her rental company and help that help to subsidize her
Speaker 2: seven thirty payment, which means three hundred dollars of that
Speaker 2: seven thirty would come from her rental profit and four
Speaker 2: hundred dollars would come out of her regular income. You
Speaker 2: still with me, all right? Number three, refinance to a
Speaker 2: payment around four to five hundred dollars a month. So
Speaker 2: she's talking about refinancing again to get a lower monthly
Speaker 2: payment and then invest three hundred dollars a month for
Speaker 2: a couple of years and attempt to bank a lump
Speaker 2: sum payment on her loans down the road, and for
Speaker 2: four say f them loans refinance to a payment around
Speaker 2: four to five hundred dollars a month, and then invest
Speaker 2: that three hundred dollars a month profit to save up
Speaker 2: and pay cash for my next car in a few years,
Speaker 2: I should add, she says that my husband and I
Speaker 2: are planning to start a family, but struggling with infertility treatments,
Speaker 2: so there's no guarantees. Also, I appreciate Tiffany's transparency so much.
Speaker 2: I never thought i'd cry during a finance podcast. You know,
Speaker 2: we laugh, we cry, We make money.
Speaker 1: Girl, all the things over here around here, with all
Speaker 1: the things, so all the things, I do you have
Speaker 1: a do you have a? Do you have? What you
Speaker 1: think of? What you want? What you want? What you
Speaker 1: want to say?
Speaker 2: I mean, where do we start? So she's already in
Speaker 2: the situation she is, where she's refinanced her federal loans
Speaker 2: to get the lower rate.
Speaker 1: So let's just start there and just tell people like, well,
Speaker 1: it's my opinion that for the most part, I really
Speaker 1: suggest people and this is no shame to you. We're
Speaker 1: gonna call you Brenda because Brenda had a baby and
Speaker 1: you gonna get that baby, Brenda. Okay, So for Tupac,
Speaker 1: for you, Tupaca Loves Branda had a baby. That's the
Speaker 1: song anyway, So Brenda. So this is no shade to you, Brenda.
Speaker 1: But this is a good lesson for everyone. One of
Speaker 1: the reasons why Mandy and I and Mandy, I've heard
Speaker 1: you say, well, I say this that I really don't
Speaker 1: like for people to refinance out of federal student loans,
Speaker 1: even for a lower rate. Oh, because although the lower
Speaker 1: rate is very attractive, that there are some rules in
Speaker 1: place that protect you with federal student loans that you
Speaker 1: can't get that same protection with a private loans. So,
Speaker 1: for example, now we have this moratorium where for over
Speaker 1: a year now you haven't had to pay any interest
Speaker 1: or any payment on your student loan. That does not
Speaker 1: apply to private student loans. This is only federal student loans.
Speaker 1: That's where that's where the federal government has agency over
Speaker 1: And so I just put that out there. So, I mean,
Speaker 1: I understand why you did it. You know, like you know,
Speaker 1: you wanted to lower your payments so I just want
Speaker 1: to put that out there first.
Speaker 2: Yeah. Absolutely, I mean, if she only just read, it
Speaker 2: sucks because you can only do You can make decisions
Speaker 2: based on the information that you have at the time.
Speaker 2: So in twenty nineteen, it probably felt perfectly fine to
Speaker 2: refinance her student loan out of federal debt with a
Speaker 2: private loan at a lower rate. But you know, if
Speaker 2: she had just waited till the pandemic hit and the
Speaker 2: White House, you know, stopped student loan payments on federal
Speaker 2: loans and also stopped interest from occurring, that would have
Speaker 2: been nice. But hey, she didn't. She is where she is.
Speaker 2: I would just wonder, you know how much I would
Speaker 2: do the math and you don't stay here. If you've
Speaker 2: actually shopped around refi rates, you actually can. I think
Speaker 2: a lot of refic sites will actually let you do
Speaker 2: a soft credit check to see what your rate might be,
Speaker 2: so see if you can actually save and get a
Speaker 2: lower rate. It's only been a couple of years, but
Speaker 2: we all know rates have been falling, you know, since
Speaker 2: the pandemic. So maybe you have such a substantial you know,
Speaker 2: savings that it would make sense for you to refinance again.
Speaker 2: But it sounds like she wants to not just refinance
Speaker 2: for a lower rate, but actually refinance and stretch out
Speaker 2: to a longer repayment term, because by stretching out the
Speaker 2: number of years she has to repay the debt, she
Speaker 2: could reduce her monthly payment, which would then free up
Speaker 2: an extra three hundred bucks which she could then put
Speaker 2: toward an investment or you know, her save up for
Speaker 2: her car in the future. Right, h So do you
Speaker 2: think about that if.
Speaker 1: It was me, Because you know, we're not financial. We're
Speaker 1: not your financial advisor, nor are we financial advisors. Were
Speaker 1: just two girls, two financial girlfriends. Okay, So if this
Speaker 1: was wa, I'm giving advice to not Brianda, but Tiffany,
Speaker 1: I would say, hey, tiff girlhead girl, you already refinanced
Speaker 1: out of the federal student loans, so we hear now,
Speaker 1: I would go ahead and refinance again because why pay
Speaker 1: more when I can play less? Hello? So I would
Speaker 1: refinance now. I would check to see I'd be hesitant
Speaker 1: to refinance for a longer term, but I would you know,
Speaker 1: I'd be open to refinancing for the same length of
Speaker 1: time and if I can save, you know, like an
Speaker 1: additional one hundred and two hundred dollars. That would be awesome. Now,
Speaker 1: I because student loans typically, especially if you're refinancing, Because
Speaker 1: student loans, the interest rates are typically reasonable. And I'm
Speaker 1: assuming if you left federal student loans to go those
Speaker 1: private student loans, they're fairly reasonable. Because federal student loan
Speaker 1: interest rates are fairly reasonable, not double digit interest. Then
Speaker 1: I would not, honestly, part of me says Part four
Speaker 1: at them loans partially meaning like sis, you're not getting
Speaker 1: no more than me than this minimum. Because girl, I
Speaker 1: have life to live. I would be giving my student
Speaker 1: loans this money. I would set it and set I
Speaker 1: forget it. I would use the excess money to grow wealth.
Speaker 1: I wouldn't even like, you know, like you know your car,
Speaker 1: that's cute, But honestly, I'd be using this excess money
Speaker 1: to grow wealth. You already have one investment property, maybe another,
Speaker 1: maybe put into the market. So that's what I would
Speaker 1: be doing. I would say, you know, I'm going to refinance.
Speaker 1: I'm going to give the loans whatever it's minimum is,
Speaker 1: you know, and I'm going to use This is what
Speaker 1: I did as a budgetista as well as Tiffany. I
Speaker 1: had was really aggressive with paying off my credit card debt,
Speaker 1: paid them off. I'm talking about aggressive all the money
Speaker 1: I had, and then I was like, dang, I really
Speaker 1: don't want to live in this room. I'd been renting
Speaker 1: a room because that's all I could afford. I don't
Speaker 1: want to be living in this room for the next
Speaker 1: another four or five years because I want to be
Speaker 1: aggressive with paying off student loan debt. That's not my ministry,
Speaker 1: and Brenda, I don't believe is yours as well. So
Speaker 1: instead of what I did was I paid the minimum
Speaker 1: to my student loans, I automated it, and then I
Speaker 1: focused my time, energy and the rest of the money
Speaker 1: I had left over on growing wealth. And in that
Speaker 1: same five years, I could have been living in that room.
Speaker 1: At the end of five years, I had my lump
Speaker 1: sum plus some so I was like, ooh, I have
Speaker 1: a business. I've got the mine was fifty two thousand.
Speaker 1: I have the fifty two thousand dollars plus an additional
Speaker 1: probably a hundred thousand dollars I think I had saved
Speaker 1: by then, so I had all the things. So I
Speaker 1: never think that focusing on debt is the right place
Speaker 1: to place your energy, because where your energy goes that's
Speaker 1: what grows, and so refinance, Tiffany. I'm not talking about
Speaker 1: ID because you know, we don't get financial vices in
Speaker 1: that way. Tiffany, I would refinance. I would take that
Speaker 1: extra money. I would use it to grow wealth, and
Speaker 1: over time, as I got my lump sum, you know
Speaker 1: that I could pay it off because I'd have My
Speaker 1: assumption is I'm going to have additional money, not just
Speaker 1: the lump sum for the student loan debt. Yeah, I agree.
Speaker 2: I mean I think the key here is that if
Speaker 2: you've refinanced to a longer term to lower your monthly
Speaker 2: payment and say you're actually doing something with that extra
Speaker 2: money and not just you know, pocketing it for for
Speaker 2: to you know, sustain your lifestyle or to improve your lifestyle,
Speaker 2: but saving it, investing it. Like you said, I don't
Speaker 2: know so much about like investing for a car that
Speaker 2: you're going to buy in the next few years. That's
Speaker 2: a I mean, that's a long ish but it's not
Speaker 2: quite long enough for me to say, yeah, maybe put
Speaker 2: that money in the market. But you know, you can
Speaker 2: set part of that aside for your you know, in
Speaker 2: a cash savings account for your new car and be
Speaker 2: ready for that in a couple of years and then
Speaker 2: you know, invest the rest into a brokerage account. And
Speaker 2: there's my child screaming in the background. But I think
Speaker 2: this is a This is a real complex and fascinating
Speaker 2: conundrum that I think a lot of people are in.
Speaker 2: But the key, like Tiffany said, is put that money
Speaker 2: to work and don't just use it to you know
Speaker 2: that that's the kind of thing where if you don't
Speaker 2: automate it, like Tiffany said, the money can easily disappear. Yep,
Speaker 2: three hundred bucks is like three you know, nice dinners
Speaker 2: out and I mean you'd be surprised how quickly you
Speaker 2: can go. So really really being yeah, really being thoughtful
Speaker 2: and putting that money into work is going to be
Speaker 2: the key here.
Speaker 1: And make the plan ahead of time. I tell this
Speaker 1: to everyone that I'm actually reading this book Atomic Habits
Speaker 1: right now. You've heard of it, right Mandy by James
Speaker 1: hor Are.
Speaker 2: She's reading another book, I know.
Speaker 1: I just finished David and Goliath by Malcolm Glad. Girl.
Speaker 2: I think all I can do to read my email.
Speaker 1: After this six weeks, I'm a change. Look at my
Speaker 1: skin glowing gla This six weeks off has changed me.
Speaker 1: So anyway, so I'm reading Atomic Habits, which is awesome. Well,
Speaker 1: Tracy always shades me. She said, you're not reading it,
Speaker 1: it's being read to you audible read girl. I hate
Speaker 1: it's always go they hate.
Speaker 2: Get her audiobooks reading.
Speaker 1: I hate trace the hater. Anyway, So I'm reading Atomic Habits.
Speaker 1: And one of the things that he said that I
Speaker 1: thought was really powerful. We can kind of like close
Speaker 1: on this is that people think that you have to
Speaker 1: have this like herculean discipline, right, And what they found
Speaker 1: with people who are quote unquote super disciplined is not
Speaker 1: that there's so disciplined, is that they have learned to
Speaker 1: create environments where they don't have to exercise discipline as much.
Speaker 1: You know. So it's not like, oh my god, you know, Mandy,
Speaker 1: you know you're you're so good at writing, You're such
Speaker 1: a disciplined writer. Yes you are, But you created your
Speaker 1: she shed cave, your she cave where then the zend
Speaker 1: I was like, what's the damn name? You created? What?
Speaker 1: You created a zen den? Which so if you have
Speaker 1: if you were, like say, writing at the dining room table,
Speaker 1: then you'd be less likely to write. But you've created
Speaker 1: an environment that's like, this is just for Mandra and
Speaker 1: this is this is a creative space where my juices
Speaker 1: can flow. So what I will say to you, Brenda
Speaker 1: and anyone listening, is that to before any money or
Speaker 1: or whatever comes in, to create the plan ahead of
Speaker 1: time and then set that automation up so you don't
Speaker 1: actually have to be as disciplined. You know that literally,
Speaker 1: automation is the new discipline. And Brenda, I'll say this
Speaker 1: because I know how hard, like you know the journey
Speaker 1: is with IVF. I mean, you know, I'm on my
Speaker 1: last last run as it is right now, and so
Speaker 1: I mean you're allowed to feel bad and terrible about it.
Speaker 1: You know, people will tell you like, oh, you know,
Speaker 1: it's gonna be all right, and I mean, I can't
Speaker 1: promise that it's gonna work out. I don't know, but
Speaker 1: I do know that, you know, lean into your partner,
Speaker 1: lean into your family and friends, and you know, do
Speaker 1: what's right for you. Because people are like, well, why
Speaker 1: don't you just adopt I'm like, you know, everybody gonna
Speaker 1: tell you their own opinion, and I just say that
Speaker 1: do what's right for you. You are allowed to feel
Speaker 1: however you want to feel about it. But know that
Speaker 1: it is not I've learned this from myself, that it
Speaker 1: is not a condemnation of your character. There's nothing wrong
Speaker 1: with you. Quite honestly, it's a little bit troubling in
Speaker 1: that people don't talk about it, but human beings, fertility
Speaker 1: of human beings is down significantly, I mean men and
Speaker 1: women like I mean when I go to the clinic,
Speaker 1: I see women who are twenty six all the way
Speaker 1: up to forty something like me. You know, and my
Speaker 1: doctor said, literally, you know that fertility doctor around the
Speaker 1: around the world are like puzzled by, like wow, that
Speaker 1: it's not that people are just having less kids. You
Speaker 1: are way less fertile than your grandmother was, way less fertile.
Speaker 1: And so you know, you're not the only one struggling.
Speaker 1: When I found out that Michelle Obama both her kids
Speaker 1: were I U I, which is instead of I you
Speaker 1: I IVF, it's kind of like the Turkey baseder method.
Speaker 1: Not to be so graphic, right, but you know that
Speaker 1: so many women you'd be surprised, You're like, really so
Speaker 1: and so many women are struggling. So you're not alone
Speaker 1: in it. And that's why I talk about it. Even
Speaker 1: though that one girl said to stop boo boo and
Speaker 1: the boo Boo's still doing it. No, I don't do
Speaker 1: that just to be funny, because you know, I don't
Speaker 1: care what she has to say. But Brenda, you know
Speaker 1: I am a sister in fertility struggle, and you know
Speaker 1: what will be will be, and you will still be
Speaker 1: this amazing woman either way. And keep your money. Sist
Speaker 1: them government. People can't get it when you good and
Speaker 1: ready f them. Loon. Oh that's a good one. Oh,
Speaker 1: should be loans.
Speaker 2: S them loans.
Speaker 1: That's the cue.
Speaker 2: All right, y'all, Well, thank you for your questions.
Speaker 1: Again.
Speaker 2: Hit us up Brownhambision Podcast at gmail dot com, or
Speaker 2: you can hit us up on G on I G.
Speaker 2: We are at Brown Ambition Podcast on the Gram.
Speaker 1: And if you have not shared this episode yet, stop
Speaker 1: what you do when and share. Share, Share, get the link,
Speaker 1: share browne Pitsion podcast dot com the link, share with
Speaker 1: at least three different people. We want to expand our
Speaker 1: reach and I think so many people could just really
Speaker 1: use a little Brown Ambition in their lives.
Speaker 2: So absolutely, until next b a Q and a I
Speaker 2: have the en in there. You say b a qa,
Speaker 2: I'm always like b a q and a oh b.
Speaker 1: A q and a actually kind of like the b
Speaker 1: a q and a Okay, oh b.
Speaker 2: A q any of my little ideas.
Speaker 1: All right, Mary, I have to go.
Speaker 2: I just got my birthday pictures back, so I need
Speaker 2: to go look at myself.
Speaker 1: Yeah, so you're doing that yellow. That yellow was already happen.
Speaker 1: I was like, what may be doing the most And
Speaker 1: I love it.
Speaker 2: I do what I can. Okay, all right, tipful, go
Speaker 2: get some rest, right,