1 00:00:16,400 --> 00:00:21,920 Speaker 1: Hey, hey, hey, I'm back. We're black and Brown. 2 00:00:22,840 --> 00:00:28,600 Speaker 2: It's Tiffany and Mandy. I feel like you want to 3 00:00:28,600 --> 00:00:32,440 Speaker 2: make this low key like Mickey mouse Club intro. You're 4 00:00:32,520 --> 00:00:35,479 Speaker 2: you're forcing me into it. I will not relent. I 5 00:00:35,520 --> 00:00:36,080 Speaker 2: can't do it. 6 00:00:36,920 --> 00:00:39,199 Speaker 1: I put my I don't know if what you call 7 00:00:39,240 --> 00:00:40,959 Speaker 1: when you I guess when you butterfly your fingers, that's 8 00:00:40,960 --> 00:00:42,800 Speaker 1: when you, like, you know, put the fingers between the 9 00:00:43,479 --> 00:00:45,440 Speaker 1: creases of your other fingers. And I have like under 10 00:00:45,479 --> 00:00:48,280 Speaker 1: my chin like it's Tiffany and I'm leaning in to 11 00:00:48,400 --> 00:00:51,839 Speaker 1: the mic like you turn Mandy such a good visual. 12 00:00:52,080 --> 00:00:55,440 Speaker 2: What's up, guys, It's Mandy brown Fish. 13 00:00:56,440 --> 00:00:57,160 Speaker 1: Have you been. 14 00:00:57,840 --> 00:01:00,680 Speaker 2: Oh, I've been good man. Have you read the news 15 00:01:00,720 --> 00:01:04,240 Speaker 2: about so we all know, Amazon finally chose its location 16 00:01:04,480 --> 00:01:08,399 Speaker 2: or two locations for its headquarters. Sorry to Newark, you 17 00:01:08,440 --> 00:01:11,120 Speaker 2: were not the chosen one. But my old neighborhood in 18 00:01:11,200 --> 00:01:14,279 Speaker 2: Queens Long Island City was chosen. And I read something 19 00:01:14,319 --> 00:01:17,440 Speaker 2: about how already the rents in the real estate prices 20 00:01:17,440 --> 00:01:20,720 Speaker 2: are going bananas, and I'm kind of happy in a 21 00:01:20,760 --> 00:01:24,000 Speaker 2: way that it wasn't somewhere that I live now, because 22 00:01:24,120 --> 00:01:25,800 Speaker 2: I don't know, I just feel like Amazon's going to 23 00:01:25,840 --> 00:01:27,880 Speaker 2: come and everything's gonna be more expensive and the neighborhood's 24 00:01:27,880 --> 00:01:28,560 Speaker 2: going to be ruined. 25 00:01:29,400 --> 00:01:32,160 Speaker 1: Honestly, it's already crazy. Like a friend of mine was 26 00:01:32,200 --> 00:01:36,440 Speaker 1: looking for an apartment in Newark and he was like, yo, 27 00:01:37,280 --> 00:01:41,760 Speaker 1: the one bedrooms were twenty five, No twenty it was 28 00:01:41,800 --> 00:01:44,000 Speaker 1: it a twenty two or twenty four hundred dollars and 29 00:01:44,080 --> 00:01:47,280 Speaker 1: that did not include you had to pay electricity, heat, 30 00:01:47,400 --> 00:01:50,040 Speaker 1: and hot water. And I'm like, when did nowick get 31 00:01:50,040 --> 00:01:52,400 Speaker 1: to be twenty four hundred for a one bedroom? 32 00:01:52,920 --> 00:01:55,280 Speaker 2: Wait? This is pre okay, So this is just imagine 33 00:01:55,280 --> 00:01:57,480 Speaker 2: like if Amazon had come to town, Oh my goodness. 34 00:01:57,520 --> 00:01:58,960 Speaker 1: Honestly, it would have been I mean, it would have 35 00:01:58,960 --> 00:02:01,040 Speaker 1: been great for my property bound, but it would have 36 00:02:01,080 --> 00:02:06,600 Speaker 1: been bad something. But it's new. I think people don't 37 00:02:06,640 --> 00:02:09,160 Speaker 1: realize it's They think like, oh, let me get into 38 00:02:09,400 --> 00:02:10,919 Speaker 1: before it's too late. I feel like it might be 39 00:02:10,960 --> 00:02:13,280 Speaker 1: too late because I just saw a property like for 40 00:02:13,360 --> 00:02:15,600 Speaker 1: sale in the fourth sol section where I live, on 41 00:02:15,680 --> 00:02:18,960 Speaker 1: sale for seven hundred and ninety nine thousand dollars in Newark, 42 00:02:19,000 --> 00:02:23,400 Speaker 1: New Jersey, and I'm like, yeah, it's it's property values 43 00:02:23,440 --> 00:02:26,200 Speaker 1: are really Like I said, it's great that I already bought, 44 00:02:26,240 --> 00:02:30,520 Speaker 1: but it's almost too late for folks who've lived here 45 00:02:30,600 --> 00:02:32,840 Speaker 1: their whole lives to purchase something because it's getting to 46 00:02:32,840 --> 00:02:33,680 Speaker 1: be so expensive. 47 00:02:33,919 --> 00:02:36,239 Speaker 2: Get those auction homes like you did, or one of 48 00:02:36,280 --> 00:02:37,960 Speaker 2: your homes, right, you got that ad auction? 49 00:02:38,600 --> 00:02:40,440 Speaker 1: Well, way to do it. Yeah, Well both of them 50 00:02:40,520 --> 00:02:43,680 Speaker 1: kind of like ad auction, but one was like directly 51 00:02:43,680 --> 00:02:46,440 Speaker 1: from the bank, and one was from the city New York. 52 00:02:46,440 --> 00:02:48,320 Speaker 2: Property. About New York and New Jersey, it's sucially like 53 00:02:48,320 --> 00:02:50,800 Speaker 2: an extreme real estate environment. I know other parts of 54 00:02:50,800 --> 00:02:53,400 Speaker 2: the country are not this crazy, but I do feel like, 55 00:02:53,440 --> 00:02:55,440 Speaker 2: you know, one of the things that we consider before 56 00:02:55,480 --> 00:02:57,720 Speaker 2: we purchased a house in the neighborhood that we chose 57 00:02:58,160 --> 00:03:01,840 Speaker 2: was my husband did look at city council meeting for 58 00:03:01,919 --> 00:03:04,679 Speaker 2: the town. Well, it's confusing and in the suburbs of 59 00:03:04,720 --> 00:03:07,840 Speaker 2: New Yorkers like towns and villages and oh god, it 60 00:03:08,040 --> 00:03:12,040 Speaker 2: like all these different ways of calling a community. But anyhow, 61 00:03:12,200 --> 00:03:14,800 Speaker 2: he went to the old meetings and wanted to see 62 00:03:14,840 --> 00:03:17,959 Speaker 2: what's being developed in the areas. And I feel like 63 00:03:18,000 --> 00:03:21,080 Speaker 2: that's a good sign that there's prosperity coming to the 64 00:03:21,120 --> 00:03:23,239 Speaker 2: area if you've gotten new things being developed. So that's 65 00:03:23,240 --> 00:03:25,280 Speaker 2: one thing that we did. We saw they were building 66 00:03:25,280 --> 00:03:27,160 Speaker 2: a shake shack and they were building a new shopping 67 00:03:27,200 --> 00:03:29,840 Speaker 2: center and expanding things. So that was a good sign 68 00:03:29,880 --> 00:03:33,640 Speaker 2: for us because our neighborhood, like it really was, it 69 00:03:33,720 --> 00:03:36,440 Speaker 2: wasn't unscathed from the recession. I mean, no place was 70 00:03:36,440 --> 00:03:39,240 Speaker 2: really unscathed, but our neighborhood did take a hit in 71 00:03:39,320 --> 00:03:43,440 Speaker 2: home values pretty pretty severely during the recession. And even 72 00:03:43,440 --> 00:03:45,120 Speaker 2: there's a couple of houses if you if you drive 73 00:03:45,160 --> 00:03:49,160 Speaker 2: around our neighborhood that look like abandoned foreclosures, and if 74 00:03:49,160 --> 00:03:51,000 Speaker 2: you look them up on Zillo or something like that, 75 00:03:51,040 --> 00:03:52,800 Speaker 2: it shows that like the bank owns them. 76 00:03:53,160 --> 00:03:53,760 Speaker 1: Yeah. 77 00:03:53,840 --> 00:03:57,080 Speaker 2: So it's like this neighbors like this dichotomy of people 78 00:03:57,400 --> 00:04:00,280 Speaker 2: selling who like rebounded from the recession, if you like, 79 00:04:00,360 --> 00:04:03,360 Speaker 2: hang on for dear life. The property values did recover 80 00:04:03,920 --> 00:04:06,880 Speaker 2: and you know, exceeded what they were like twenty eleven, 81 00:04:06,960 --> 00:04:10,760 Speaker 2: twenty twelve, but some people didn't make it, and it's 82 00:04:10,760 --> 00:04:12,920 Speaker 2: still like the remnants of the recession still a little bit. 83 00:04:13,480 --> 00:04:16,840 Speaker 1: Yeah, you could totally see it. I and that's the 84 00:04:16,880 --> 00:04:18,480 Speaker 1: reason why I brought like my second house. It was 85 00:04:18,520 --> 00:04:21,320 Speaker 1: because I knew that I'd heard that the train station 86 00:04:21,600 --> 00:04:23,360 Speaker 1: was coming, and after asking around and going to a 87 00:04:23,400 --> 00:04:26,920 Speaker 1: few meetings, there is going to be a direct train 88 00:04:27,040 --> 00:04:29,440 Speaker 1: to the airport, New York Airport, and then direct train 89 00:04:29,560 --> 00:04:32,000 Speaker 1: to It'll be a path train, so it'll also go 90 00:04:32,160 --> 00:04:35,120 Speaker 1: to Midtown Manhattan. So I'm like, ooh, this is a 91 00:04:35,160 --> 00:04:39,400 Speaker 1: great place to buy. But yeah, speaking of recessions, my 92 00:04:39,760 --> 00:04:41,800 Speaker 1: did I mention that. I think my accountant said this, 93 00:04:41,880 --> 00:04:43,680 Speaker 1: but also a friend of mine who really likes to 94 00:04:43,680 --> 00:04:47,000 Speaker 1: study markets, he was like, Yo, another recession is coming. 95 00:04:47,040 --> 00:04:49,800 Speaker 1: I mean, but I guess that's just it's cyclical. But 96 00:04:50,000 --> 00:04:52,400 Speaker 1: he made it sound like impending doom. And I'm not 97 00:04:52,400 --> 00:04:53,720 Speaker 1: gonna lie, I got it a little nervous. 98 00:04:54,200 --> 00:04:56,359 Speaker 2: Oh, I mean, experts have been saying that they've been 99 00:04:56,400 --> 00:04:58,440 Speaker 2: trying to you know how, like you keep guessing and 100 00:04:58,480 --> 00:05:00,279 Speaker 2: hoping that you time it right. And oh, I'm going 101 00:05:00,360 --> 00:05:02,640 Speaker 2: to predict that it's going to be a bear market 102 00:05:02,720 --> 00:05:04,600 Speaker 2: is coming, so that tomorrow, when it actually comes, I 103 00:05:04,640 --> 00:05:06,719 Speaker 2: can say that I was right. People have been like 104 00:05:06,800 --> 00:05:09,120 Speaker 2: waiting for the other shoe to drop. I mean, what 105 00:05:09,240 --> 00:05:11,920 Speaker 2: goes up has to come down, right, And the market's 106 00:05:11,920 --> 00:05:14,680 Speaker 2: been super volatile, and even just this week with Trump 107 00:05:14,760 --> 00:05:17,800 Speaker 2: making his comments, oh, we're we're calling a truce with 108 00:05:18,560 --> 00:05:21,359 Speaker 2: China in the trade war. And oh now, Trump seemed 109 00:05:21,360 --> 00:05:23,000 Speaker 2: to forget about the fact that he called the truce 110 00:05:23,040 --> 00:05:26,080 Speaker 2: today and the markets were down three percent, Like he 111 00:05:26,480 --> 00:05:31,240 Speaker 2: his tweets, his comments, his inanity, like he is that 112 00:05:31,320 --> 00:05:33,640 Speaker 2: a word? Inanity? I just feel like I made that up. 113 00:05:34,760 --> 00:05:35,200 Speaker 1: Inane. 114 00:05:35,720 --> 00:05:40,440 Speaker 2: His stupidity. It really moves the markets. Yeah, and on 115 00:05:40,480 --> 00:05:43,560 Speaker 2: top of that, Yeah, we had like double digit gains 116 00:05:43,640 --> 00:05:47,360 Speaker 2: last year, like crazy gains in the market. So it's 117 00:05:47,400 --> 00:05:50,839 Speaker 2: you know, that kind of growth is not sustainable always. 118 00:05:50,880 --> 00:05:53,280 Speaker 2: So you will see. But it's important not to look 119 00:05:53,320 --> 00:05:56,160 Speaker 2: at what's happening this week, this month, this year, but 120 00:05:56,200 --> 00:05:59,400 Speaker 2: look back over the past ten twenty, the average returns 121 00:05:59,400 --> 00:06:03,200 Speaker 2: over the last a handful of years, and even extend 122 00:06:03,240 --> 00:06:06,240 Speaker 2: that to ten years or longer to see, Okay, what 123 00:06:06,360 --> 00:06:09,280 Speaker 2: kind of return can you expect on average versus how 124 00:06:09,320 --> 00:06:12,200 Speaker 2: are things doing day to day unless you're like day trading, 125 00:06:12,320 --> 00:06:14,280 Speaker 2: then you know you're having a heart attack right now. 126 00:06:14,920 --> 00:06:17,480 Speaker 1: Good because I mean just the fact that GM left, 127 00:06:17,560 --> 00:06:21,320 Speaker 1: you know, let's go of fifteen thousand workers. That's crazy 128 00:06:21,600 --> 00:06:24,440 Speaker 1: fifteen yeah, fifteen thousand. 129 00:06:24,040 --> 00:06:25,400 Speaker 2: Telling you man, and this is the time of year 130 00:06:25,400 --> 00:06:27,200 Speaker 2: when people do their layoffs. 131 00:06:27,400 --> 00:06:30,360 Speaker 1: Yeah, and then the fact too, like I was. I 132 00:06:30,480 --> 00:06:32,719 Speaker 1: was at the bank the other day opening up another 133 00:06:33,640 --> 00:06:37,920 Speaker 1: checking account for a business and we were talking to 134 00:06:38,000 --> 00:06:39,760 Speaker 1: my business partner and I were talking to the banker 135 00:06:40,160 --> 00:06:41,960 Speaker 1: and he was saying, you know, money is getting more 136 00:06:41,960 --> 00:06:45,800 Speaker 1: and more expensive, like you know, interest rates are raising, 137 00:06:45,880 --> 00:06:48,360 Speaker 1: and he was like, you know, he always watches or 138 00:06:48,640 --> 00:06:51,960 Speaker 1: to see like maybe I don't even know. At one 139 00:06:51,960 --> 00:06:54,240 Speaker 1: point the interest rate right after post recession had gotten 140 00:06:54,520 --> 00:06:58,760 Speaker 1: down to two point five percent, and now they're steadily climbing. 141 00:06:58,760 --> 00:07:00,920 Speaker 1: I think we're at like five or six percent. Like 142 00:07:00,920 --> 00:07:01,599 Speaker 1: if you're going to buy a. 143 00:07:01,560 --> 00:07:04,160 Speaker 2: House or whatever, my mortgage rates yeahm hm. 144 00:07:04,400 --> 00:07:06,320 Speaker 1: And so he was like, you know, they you know, 145 00:07:06,360 --> 00:07:08,120 Speaker 1: they might get as high as and they likely to 146 00:07:08,240 --> 00:07:09,960 Speaker 1: get as high ast double digits. And that's when you know, 147 00:07:10,000 --> 00:07:10,600 Speaker 1: you start. 148 00:07:10,400 --> 00:07:14,960 Speaker 3: To to get into trouble because it peaks in double 149 00:07:14,960 --> 00:07:19,960 Speaker 3: digits ten fifteen, twenty not twenty ten, you know, fifteen percent, 150 00:07:20,080 --> 00:07:22,520 Speaker 3: and then something happens to bring them crashing on down. 151 00:07:22,800 --> 00:07:24,800 Speaker 1: So I'm not gonna lie. Makes me nervous. I'm wondering 152 00:07:25,200 --> 00:07:28,160 Speaker 1: should we wait to develop the second property because I 153 00:07:28,200 --> 00:07:30,360 Speaker 1: want to borrow cheaply. I'm not going to pay out 154 00:07:30,400 --> 00:07:32,880 Speaker 1: of pocket. So we had a decision to make, like 155 00:07:32,920 --> 00:07:35,440 Speaker 1: if we're gonna do we get a construction loan, which 156 00:07:35,520 --> 00:07:37,640 Speaker 1: is an unsecured loan, like the bank just says, hey, 157 00:07:37,640 --> 00:07:39,840 Speaker 1: we'll give you money from like you know, the fact 158 00:07:39,840 --> 00:07:41,840 Speaker 1: that you've got great credit or whatever. Or do we 159 00:07:41,840 --> 00:07:44,560 Speaker 1: get a secured loan because we own our house cash 160 00:07:44,760 --> 00:07:49,280 Speaker 1: we basically borrow against our house now and then then 161 00:07:49,280 --> 00:07:51,680 Speaker 1: we all of a sudden have a mortgage for our 162 00:07:52,440 --> 00:07:55,520 Speaker 1: home and then not a mortgage for the for the 163 00:07:55,560 --> 00:07:57,440 Speaker 1: second home. So we've been like kind of like going 164 00:07:57,480 --> 00:07:59,720 Speaker 1: back and forth and trying to figure out like or 165 00:07:59,760 --> 00:08:04,560 Speaker 1: do we just wait because I don't. Every every month 166 00:08:05,640 --> 00:08:07,960 Speaker 1: we wait, the interest rate goes up and makes money 167 00:08:07,960 --> 00:08:09,240 Speaker 1: more and more expensive to borrow. 168 00:08:09,320 --> 00:08:12,320 Speaker 2: So I'm like, uh, well, I think any secured debt 169 00:08:12,360 --> 00:08:14,760 Speaker 2: is always going to be more affordable than an unsecured 170 00:08:14,800 --> 00:08:17,960 Speaker 2: loan because you have something holding the asset, like you 171 00:08:18,040 --> 00:08:19,760 Speaker 2: have you have not the asset, but you have an 172 00:08:19,800 --> 00:08:22,960 Speaker 2: asset backing up the loan. So typically any mortgage, like 173 00:08:23,000 --> 00:08:25,120 Speaker 2: a home equity loan, is always going to have or 174 00:08:25,200 --> 00:08:26,800 Speaker 2: most likely going to have a lower rate than what 175 00:08:26,840 --> 00:08:30,480 Speaker 2: you'd get from like an unsecured loan for the most part. 176 00:08:30,560 --> 00:08:33,079 Speaker 2: So I mean, if you're just going on rates alone, 177 00:08:33,120 --> 00:08:36,200 Speaker 2: it seems like a secured loan would get you a 178 00:08:36,200 --> 00:08:38,840 Speaker 2: lower rate. But you're right, I mean, rates are rising, 179 00:08:38,920 --> 00:08:40,559 Speaker 2: so if you're gonna, if you're sure, you're going to 180 00:08:40,640 --> 00:08:44,880 Speaker 2: do it sooner rather than later. But at the same time, yes, 181 00:08:44,920 --> 00:08:47,800 Speaker 2: mortgage rates are rising, and they're going up, you know, 182 00:08:48,360 --> 00:08:51,480 Speaker 2: marginally each month. They're still very low historically, like back 183 00:08:51,480 --> 00:08:55,480 Speaker 2: in the eighties they were double digits in the teens. Historically, 184 00:08:55,640 --> 00:08:58,280 Speaker 2: rates are still pretty low in the baggage land. So 185 00:08:58,280 --> 00:09:00,880 Speaker 2: if you're if you're worried about buying a house, like, yes, 186 00:09:01,280 --> 00:09:03,480 Speaker 2: your rate is going to be higher than someone who 187 00:09:03,520 --> 00:09:07,480 Speaker 2: bought a house a year ago, but not not terribly 188 00:09:07,679 --> 00:09:11,480 Speaker 2: higher than or not definitely not like high enough to 189 00:09:11,800 --> 00:09:14,000 Speaker 2: like harken back to those crazy days in the eighties. 190 00:09:14,960 --> 00:09:20,120 Speaker 1: Yeah, yes, those are double digit that's crazy, Crank Cray. 191 00:09:20,360 --> 00:09:23,040 Speaker 2: So I was reading we've talked about public service loan 192 00:09:23,040 --> 00:09:26,560 Speaker 2: forgiveness before. This is kind of a I remember when 193 00:09:26,559 --> 00:09:29,160 Speaker 2: I my husband works for the government, in like a 194 00:09:29,200 --> 00:09:32,040 Speaker 2: couple of years ago, I was talking to my financial planner, 195 00:09:32,120 --> 00:09:34,440 Speaker 2: Helen and I asked her, do you think it makes sense? 196 00:09:34,640 --> 00:09:36,120 Speaker 2: Because we had like a lump sum of money and 197 00:09:36,120 --> 00:09:38,040 Speaker 2: we wanted to know should we just pay off a 198 00:09:38,040 --> 00:09:40,160 Speaker 2: student loan debt or should we just wait for him 199 00:09:40,160 --> 00:09:42,400 Speaker 2: to get this public service loan forgiveness and just bide 200 00:09:42,400 --> 00:09:45,040 Speaker 2: his time. He had, like, I forget how many years left, 201 00:09:45,080 --> 00:09:47,480 Speaker 2: like seven or eight years left, and she was like, listen, 202 00:09:47,520 --> 00:09:50,560 Speaker 2: do not rely on a government program that could easily, 203 00:09:51,120 --> 00:09:53,320 Speaker 2: you know, change in the blink of an eye, depending 204 00:09:53,320 --> 00:09:56,400 Speaker 2: on the administration or whatever. And we just went ahead 205 00:09:56,400 --> 00:09:58,520 Speaker 2: and paid it off. And I'm feeling good about that 206 00:09:58,559 --> 00:10:02,640 Speaker 2: decision because new data came out what a week or 207 00:10:02,679 --> 00:10:07,480 Speaker 2: two ago that showed that only thirty fewer than thirty 208 00:10:07,520 --> 00:10:10,840 Speaker 2: people actually have been approved for public service loan forgiveness 209 00:10:10,880 --> 00:10:15,120 Speaker 2: out of thirty thousand who've applied for it. Yes, thirty 210 00:10:15,120 --> 00:10:18,559 Speaker 2: people out of thirty thousand have actually applied and been 211 00:10:18,600 --> 00:10:21,360 Speaker 2: granted public service loan forgiveness. 212 00:10:21,720 --> 00:10:25,920 Speaker 1: And yes, that's honestly, that's just so crazy because it's like, 213 00:10:27,160 --> 00:10:29,559 Speaker 1: what is going on in this country. I'm not gonna lie. 214 00:10:29,559 --> 00:10:31,880 Speaker 1: I was sitting and thinking the other day, what is 215 00:10:31,880 --> 00:10:36,319 Speaker 1: a solution? So, you know, like before it was like, well, 216 00:10:37,160 --> 00:10:39,480 Speaker 1: you know, you get a job, and you know that 217 00:10:39,520 --> 00:10:41,120 Speaker 1: it's going to be enough to pay your bills. But 218 00:10:41,160 --> 00:10:43,000 Speaker 1: then also the job is also going to provide for 219 00:10:43,040 --> 00:10:45,120 Speaker 1: your future because you're going to have you know, you're 220 00:10:45,120 --> 00:10:47,199 Speaker 1: going to have a retirement account. With that job, you're 221 00:10:47,200 --> 00:10:50,200 Speaker 1: going to have a you know, some sort of like pension. 222 00:10:51,000 --> 00:10:54,840 Speaker 1: But now it's like a free for all. And what 223 00:10:55,840 --> 00:10:57,920 Speaker 1: I don't like to look at myself as an example, 224 00:10:57,960 --> 00:11:00,600 Speaker 1: because I like to look at myself as Tiffany the 225 00:11:00,640 --> 00:11:02,600 Speaker 1: school teacher as an example. I didn't have a pension 226 00:11:02,640 --> 00:11:05,560 Speaker 1: at school teacher, So like, what is what was Tiffany? 227 00:11:05,600 --> 00:11:08,440 Speaker 1: What would Tiffany the school teacher do in order to 228 00:11:08,880 --> 00:11:13,160 Speaker 1: maintain life now? And then also make sure that I've 229 00:11:13,160 --> 00:11:15,960 Speaker 1: taken care of my older self. Honestly, I don't. I 230 00:11:15,960 --> 00:11:18,200 Speaker 1: don't even And even though I was really tight, I 231 00:11:18,200 --> 00:11:20,240 Speaker 1: didn't really spend much. I don't know if I'd be 232 00:11:20,240 --> 00:11:24,520 Speaker 1: able to make it, And that that part just is 233 00:11:24,559 --> 00:11:28,480 Speaker 1: really disheartening to me, because you should be able to 234 00:11:28,559 --> 00:11:31,680 Speaker 1: make it, you know what I mean, Like you should 235 00:11:31,720 --> 00:11:34,200 Speaker 1: be able to say I've got a good job and 236 00:11:34,320 --> 00:11:37,599 Speaker 1: I don't have to make you know, six figures a 237 00:11:37,679 --> 00:11:39,960 Speaker 1: year in order to pay my bills and set aside 238 00:11:40,000 --> 00:11:43,600 Speaker 1: for retirement, like and I don't know that that's true, 239 00:11:44,160 --> 00:11:47,160 Speaker 1: Like does everyone have to make one hundred thousand plus 240 00:11:47,400 --> 00:11:50,200 Speaker 1: in order to be okay and in their day to 241 00:11:50,240 --> 00:11:52,760 Speaker 1: day life and when they are ready to retire, because 242 00:11:52,800 --> 00:11:54,680 Speaker 1: it's just not a reality. Some jobs just don't go 243 00:11:54,760 --> 00:11:55,480 Speaker 1: that high, you know. 244 00:11:56,360 --> 00:11:58,400 Speaker 2: I mean, that's the real frustration is that, guess the 245 00:11:58,440 --> 00:12:01,200 Speaker 2: economy is doing really well, but age growth hasn't quite 246 00:12:01,200 --> 00:12:04,199 Speaker 2: been growing as fast as the cost of fixed price 247 00:12:04,320 --> 00:12:09,240 Speaker 2: things are like housing, education, They've just been growing in price, 248 00:12:09,360 --> 00:12:12,800 Speaker 2: getting more expensive faster than wages have been growing. So 249 00:12:13,360 --> 00:12:15,160 Speaker 2: that's why so many people are like, I feel like 250 00:12:15,200 --> 00:12:17,400 Speaker 2: I'm doing everything right and I still and you know, 251 00:12:17,440 --> 00:12:19,880 Speaker 2: everyone's saying the economy is strong, but yet I feel 252 00:12:19,920 --> 00:12:22,600 Speaker 2: like I, you know, between my student loan debt, saving 253 00:12:23,120 --> 00:12:25,920 Speaker 2: paying for my essentials, trying to put a little money 254 00:12:25,920 --> 00:12:28,720 Speaker 2: away in savings, like I am barely making ends meet, 255 00:12:28,800 --> 00:12:32,400 Speaker 2: and what's wrong with me? And yeah, you know, it's 256 00:12:32,520 --> 00:12:36,479 Speaker 2: it's sad, and that's the reality. And I mean politics 257 00:12:36,480 --> 00:12:38,680 Speaker 2: plays into it too, right, So a lot of people 258 00:12:38,679 --> 00:12:41,080 Speaker 2: if you think about the most expensive schools out there, 259 00:12:41,800 --> 00:12:44,240 Speaker 2: in some cases there are for profit schools or private 260 00:12:44,280 --> 00:12:47,800 Speaker 2: liberal arts schools, you know, especially run in the for 261 00:12:47,880 --> 00:12:55,199 Speaker 2: profit business. Like conservative politicians notoriously always create policy that 262 00:12:55,280 --> 00:12:58,800 Speaker 2: favors these institutions, these businesses that are running colleges your 263 00:12:58,840 --> 00:13:03,680 Speaker 2: itt Textssities of Phoenix, you know, these colleges that cost 264 00:13:03,840 --> 00:13:07,480 Speaker 2: so much money and don't really provide aid, and you know, 265 00:13:07,520 --> 00:13:09,000 Speaker 2: you can end up with a ton of debt and 266 00:13:09,000 --> 00:13:11,960 Speaker 2: not a high paying career. You also have states, like 267 00:13:12,280 --> 00:13:16,880 Speaker 2: conservative states, and if you look at the availability of 268 00:13:17,160 --> 00:13:20,400 Speaker 2: public aid in some conservative states or states that have 269 00:13:20,440 --> 00:13:24,240 Speaker 2: conservative leadership, look at who the governor is. They usually 270 00:13:24,240 --> 00:13:27,000 Speaker 2: control the purse strings going to universities, and you might 271 00:13:27,040 --> 00:13:30,160 Speaker 2: see that funding for public universities in the state has decreased, 272 00:13:30,600 --> 00:13:33,920 Speaker 2: and that in which case you if you're going, if 273 00:13:33,920 --> 00:13:35,480 Speaker 2: you're a student going to those schools, you had to 274 00:13:35,520 --> 00:13:39,160 Speaker 2: take out more student loan aid student loan debt in 275 00:13:39,240 --> 00:13:41,480 Speaker 2: order to pay for your tuition there. So you know 276 00:13:41,800 --> 00:13:44,600 Speaker 2: who you vote for matters too. And then of course, 277 00:13:44,679 --> 00:13:47,760 Speaker 2: like when you're choosing the school that you know you 278 00:13:47,840 --> 00:13:50,600 Speaker 2: have to choose wisely in terms of like what is 279 00:13:50,640 --> 00:13:52,240 Speaker 2: it going to look like when I graduate with all 280 00:13:52,280 --> 00:13:54,960 Speaker 2: this debt, which is fine for people now, but like 281 00:13:55,000 --> 00:13:57,200 Speaker 2: those of us who graduate in the last you know, 282 00:13:57,320 --> 00:14:01,520 Speaker 2: already graduated, like you just have to struggle and make 283 00:14:01,559 --> 00:14:04,360 Speaker 2: do with what you've got and try to do I mean, 284 00:14:04,960 --> 00:14:09,360 Speaker 2: you know, consolidate refinance, try and enroll in federal income 285 00:14:09,440 --> 00:14:13,840 Speaker 2: driven repayment plan programs. It just sucks because like, public 286 00:14:13,840 --> 00:14:15,800 Speaker 2: service loan forgiveness for a lot of people was like 287 00:14:15,840 --> 00:14:19,440 Speaker 2: this beacon of hope. Yeah, you know, if I just 288 00:14:19,520 --> 00:14:21,840 Speaker 2: do well, if I work in a nonprofit or I 289 00:14:21,880 --> 00:14:24,000 Speaker 2: work for the government, I make my one hundred and 290 00:14:24,080 --> 00:14:26,800 Speaker 2: twenty on time payments, I'll be taken care of. But 291 00:14:27,360 --> 00:14:29,880 Speaker 2: there was what's happening with these people who applied and 292 00:14:29,880 --> 00:14:32,480 Speaker 2: thought they would get approval is they found out they 293 00:14:32,520 --> 00:14:35,080 Speaker 2: didn't have the right kind of federal student loan. They 294 00:14:35,160 --> 00:14:37,600 Speaker 2: found out that they didn't fill out the right form 295 00:14:37,720 --> 00:14:42,480 Speaker 2: to make sure that their on time payments were being accounted, 296 00:14:42,560 --> 00:14:46,000 Speaker 2: or that their employer truly did qualify as a nonprofit 297 00:14:46,120 --> 00:14:51,280 Speaker 2: or you know, government a public employer. So if you're 298 00:14:51,320 --> 00:14:54,760 Speaker 2: one of those people who's thinking about applying for public 299 00:14:54,800 --> 00:14:57,360 Speaker 2: service loan forgiveness, like call your loan service or now 300 00:14:58,600 --> 00:15:00,560 Speaker 2: and see what you've got to do. To get on 301 00:15:00,600 --> 00:15:02,440 Speaker 2: the right track to get approved. 302 00:15:03,720 --> 00:15:06,120 Speaker 1: Yeah, it's just yeah, it's just like I said, I've 303 00:15:06,120 --> 00:15:08,480 Speaker 1: been thinking about it a lot lately. Like, I know, 304 00:15:08,560 --> 00:15:11,000 Speaker 1: I've created a space for myself and my family to 305 00:15:11,040 --> 00:15:15,080 Speaker 1: be okay financially, but I don't know that could have 306 00:15:15,120 --> 00:15:19,040 Speaker 1: done this without starting the budgetista And how realistic is that? 307 00:15:19,360 --> 00:15:22,160 Speaker 1: You know, as I teach the Dreamcatchers, it doesn't make 308 00:15:22,160 --> 00:15:25,000 Speaker 1: sense to say, well, then then you start a successful business, 309 00:15:25,080 --> 00:15:27,960 Speaker 1: right you know, like you know you should be able to, 310 00:15:28,160 --> 00:15:31,360 Speaker 1: like as a teacher, be okay. And I'm struggling with 311 00:15:31,600 --> 00:15:34,520 Speaker 1: like before I could, you know, I had the advice 312 00:15:34,560 --> 00:15:36,240 Speaker 1: where I'm like, Okay, you do this, you do this, 313 00:15:36,280 --> 00:15:38,680 Speaker 1: you do this, and it can work. And now I'm like, 314 00:15:38,840 --> 00:15:41,720 Speaker 1: I don't know. I don't know that it's gonna work. 315 00:15:41,840 --> 00:15:44,440 Speaker 1: You might have to figure out how do you start 316 00:15:44,480 --> 00:15:48,320 Speaker 1: something small if you're in a position where like it's different, 317 00:15:48,320 --> 00:15:51,360 Speaker 1: like so for what you do, you know, your income 318 00:15:52,240 --> 00:15:54,320 Speaker 1: is not the same as somebody who's like I'm a teacher, 319 00:15:54,360 --> 00:15:58,640 Speaker 1: a preschool teacher in Newark, or I'm a i don't know, 320 00:15:58,840 --> 00:16:03,160 Speaker 1: like a maintenance man in in in Irvington. What do 321 00:16:03,240 --> 00:16:06,600 Speaker 1: they do? You know? So yeah, and so that's what 322 00:16:06,640 --> 00:16:08,520 Speaker 1: I've been kind of like kind of wrapped my head around, 323 00:16:08,600 --> 00:16:13,560 Speaker 1: like what and trying to find figure out creating a 324 00:16:13,600 --> 00:16:16,840 Speaker 1: plan for those who, you know, making a ton of 325 00:16:16,840 --> 00:16:19,320 Speaker 1: income is likely not going to happen, but that doesn't 326 00:16:19,360 --> 00:16:21,760 Speaker 1: mean you should be left out of the ability to 327 00:16:21,760 --> 00:16:26,600 Speaker 1: take care of yourself. So now that we've been Debbie Downers, 328 00:16:29,840 --> 00:16:34,000 Speaker 1: what do you have for the weekend? Oh? 329 00:16:34,160 --> 00:16:37,000 Speaker 2: You know, I think we are we are we are 330 00:16:37,000 --> 00:16:40,040 Speaker 2: in the final stages of the remodel, and we should 331 00:16:40,040 --> 00:16:43,800 Speaker 2: be in the house in the next couple of weeks. Yeah, 332 00:16:43,880 --> 00:16:46,280 Speaker 2: things are going what. Paint is going up, fixtures are 333 00:16:46,320 --> 00:16:50,360 Speaker 2: going in. You know, it's like it's almost more nerve 334 00:16:50,360 --> 00:16:52,520 Speaker 2: wracking now because I'm just I'm trying not to get 335 00:16:52,560 --> 00:16:55,840 Speaker 2: too excited because anything could still happen. At the same time, 336 00:16:55,880 --> 00:16:57,760 Speaker 2: I'm just like it's like counting down to Christmas. For me, 337 00:16:57,800 --> 00:16:59,480 Speaker 2: I'm just like, what can I move in? 338 00:16:59,680 --> 00:16:59,760 Speaker 1: What? 339 00:17:01,040 --> 00:17:03,640 Speaker 2: But don't worry. I went to Home Goods, which was 340 00:17:03,680 --> 00:17:06,640 Speaker 2: probably a mistake. Went to Home Goods with a with 341 00:17:06,680 --> 00:17:10,159 Speaker 2: a with a girlfriend and oh shit, like filled my 342 00:17:10,359 --> 00:17:12,480 Speaker 2: shopping cart to the brim. I was like, I'm gonna 343 00:17:12,480 --> 00:17:14,359 Speaker 2: need now that I have a house, I'm gonna need 344 00:17:14,359 --> 00:17:17,280 Speaker 2: a cake stand and ant chink lid, and I'm gonna 345 00:17:17,280 --> 00:17:19,840 Speaker 2: need these cupcake tins. And I'm gonna need these labels 346 00:17:19,840 --> 00:17:21,440 Speaker 2: for the gifts that I'm gonna wrap put under the tree. 347 00:17:21,480 --> 00:17:22,879 Speaker 2: It's going to go in the house that I'm building 348 00:17:22,960 --> 00:17:26,400 Speaker 2: right now. Yep, definitely gonna need all these accessories. Gonna 349 00:17:26,400 --> 00:17:28,800 Speaker 2: need this apron, Gonna need this, oh, these set of 350 00:17:28,840 --> 00:17:31,080 Speaker 2: this set of tongs, gotta have that I'm like turning 351 00:17:31,119 --> 00:17:34,879 Speaker 2: in to my mother. I literally walked out with so 352 00:17:34,960 --> 00:17:36,600 Speaker 2: much stuff, like so much stuff that when I was 353 00:17:36,640 --> 00:17:39,119 Speaker 2: at the checkout, this poor girl checking me out, I 354 00:17:39,160 --> 00:17:41,840 Speaker 2: had all these different colors of sprinkles because they have 355 00:17:41,920 --> 00:17:44,479 Speaker 2: teal sprinkles, and you gotta have teal sprinkles for your 356 00:17:44,520 --> 00:17:47,600 Speaker 2: cool cupcakes that you're and your cool you know, Cristmas cookies, 357 00:17:47,600 --> 00:17:49,040 Speaker 2: and I'm gonna make in my house in my brain 358 00:17:49,080 --> 00:17:49,520 Speaker 2: new kitchen. 359 00:17:49,600 --> 00:17:49,719 Speaker 1: Right. 360 00:17:50,440 --> 00:17:52,399 Speaker 2: So, I was at the checkout and my giant I 361 00:17:52,400 --> 00:17:54,720 Speaker 2: had these giant rolls of WELP, these giant rolls of 362 00:17:54,760 --> 00:17:56,359 Speaker 2: wrapping paper, because you got to have that for the 363 00:17:56,400 --> 00:17:58,080 Speaker 2: closet where you're gonna put the wrap and paper for 364 00:17:58,119 --> 00:17:59,239 Speaker 2: the gifts. You're gonna put it in of the tree 365 00:17:59,240 --> 00:18:02,360 Speaker 2: at your new house, right, okay, And that's the register 366 00:18:02,560 --> 00:18:05,879 Speaker 2: And like I'm like trying to finangle these like huge 367 00:18:06,280 --> 00:18:09,280 Speaker 2: rock and paper like tubes into my cart and I'm 368 00:18:09,320 --> 00:18:12,159 Speaker 2: knocking sprinkles and like sprinkles go crashing on the floor 369 00:18:12,240 --> 00:18:15,159 Speaker 2: and the jar breaks and there's just sprinkles everywhere, but 370 00:18:15,200 --> 00:18:18,600 Speaker 2: I'm keeping my cool. It's fine. Took me probably like 371 00:18:18,640 --> 00:18:19,720 Speaker 2: twenty minutes to check out. 372 00:18:19,760 --> 00:18:23,320 Speaker 1: It was crazy. So it's from someone who was like, oh, 373 00:18:23,359 --> 00:18:25,040 Speaker 1: I guess if we have to get a house now, 374 00:18:25,040 --> 00:18:26,480 Speaker 1: look at you all into it. 375 00:18:26,800 --> 00:18:30,240 Speaker 2: You don't realize the latent suburban mom inside of you 376 00:18:30,560 --> 00:18:32,680 Speaker 2: until you get a house and go to home goods 377 00:18:32,680 --> 00:18:35,200 Speaker 2: and then you're like, I gotta have these things. It's bad, 378 00:18:35,320 --> 00:18:37,639 Speaker 2: it's bad, but hey, things are affordable there. So if 379 00:18:37,640 --> 00:18:39,959 Speaker 2: you're gonna buy a ridiculous cake stand, you might as 380 00:18:39,960 --> 00:18:41,080 Speaker 2: well get it for nine and a nine. 381 00:18:41,520 --> 00:18:43,959 Speaker 1: Yeah, So I don't know, like, have you seen Sandy. 382 00:18:44,280 --> 00:18:46,920 Speaker 1: You know, our friend, so, our financial friend Sandy, well 383 00:18:46,960 --> 00:18:49,680 Speaker 1: just even just a real friend, but her brand is 384 00:18:49,720 --> 00:18:52,120 Speaker 1: called Yes, I am cheap. You know Sandy. First of all, 385 00:18:52,160 --> 00:18:55,199 Speaker 1: she is a g she's been doing her own Have 386 00:18:55,240 --> 00:18:56,960 Speaker 1: you seen her? She's been doing like she and her 387 00:18:57,040 --> 00:18:59,719 Speaker 1: husband have physically been doing like a lot of their 388 00:18:59,760 --> 00:19:03,080 Speaker 1: own renovations. Like Sandy has a drill. Yes, and I 389 00:19:03,119 --> 00:19:05,959 Speaker 1: love her, Like if you follow her, she she yes, 390 00:19:06,040 --> 00:19:08,119 Speaker 1: I am cheap on Instagram. I've been following her stories. 391 00:19:08,119 --> 00:19:10,600 Speaker 1: I can't remember her no, but I'll put a link 392 00:19:10,640 --> 00:19:10,760 Speaker 1: to her. 393 00:19:10,840 --> 00:19:11,440 Speaker 2: She's awesome. 394 00:19:11,840 --> 00:19:15,040 Speaker 1: Yes, And so she said she's done. I was like, 395 00:19:15,080 --> 00:19:18,280 Speaker 1: oh my gosh. So yeah, it's been amazing watching her 396 00:19:18,480 --> 00:19:22,159 Speaker 1: like put up cabinetry herself. I'm like, Sandy, you are 397 00:19:22,160 --> 00:19:23,800 Speaker 1: a boss, and she's like, you know, you just figure 398 00:19:23,840 --> 00:19:27,920 Speaker 1: these things out. And so she because Sandy bought a 399 00:19:28,000 --> 00:19:30,280 Speaker 1: home and she renovated her old home that she had 400 00:19:30,400 --> 00:19:32,000 Speaker 1: because she was going to rent it out. So I 401 00:19:32,040 --> 00:19:34,639 Speaker 1: believe what she was doing is renovating. What she's been 402 00:19:34,720 --> 00:19:37,320 Speaker 1: showing is, folks, is her renovation of the old home. 403 00:19:37,640 --> 00:19:39,520 Speaker 1: I think so that way she could rent it out 404 00:19:39,520 --> 00:19:41,760 Speaker 1: and live in her new No, you know, because it 405 00:19:41,840 --> 00:19:46,480 Speaker 1: is true because her new home is like brand new. Yeah, yeah, 406 00:19:46,520 --> 00:19:48,440 Speaker 1: so it doesn't need any renovate. I remember her taking 407 00:19:48,520 --> 00:19:50,840 Speaker 1: us on a tour. It's beautiful. So yeah, her old 408 00:19:50,840 --> 00:19:52,960 Speaker 1: home she was totally redoing it so she can rent it, 409 00:19:53,160 --> 00:19:56,480 Speaker 1: and I'm just like, wow, Meanwhile, I'll be done in January. 410 00:19:56,520 --> 00:19:57,879 Speaker 1: But whatever, we're getting. 411 00:19:57,600 --> 00:19:59,560 Speaker 2: There, that's not that long, that's not that far away. 412 00:20:00,080 --> 00:20:02,800 Speaker 1: Yeah, I know, I know, but I'm just like, well, 413 00:20:02,800 --> 00:20:04,920 Speaker 1: you know, I am excited because I can at least 414 00:20:04,920 --> 00:20:07,080 Speaker 1: so I can see the end. But I'm also really 415 00:20:07,080 --> 00:20:09,480 Speaker 1: nervous because we're picking up tile and tiles forever, and 416 00:20:09,520 --> 00:20:10,840 Speaker 1: what do we choose the ugly thing? And what if 417 00:20:10,880 --> 00:20:13,720 Speaker 1: we choose something that is so twenty eighteen and twenty 418 00:20:13,760 --> 00:20:15,600 Speaker 1: twenty five, It's like, oh my god, you clearly brought 419 00:20:15,600 --> 00:20:17,159 Speaker 1: your house at twenty eighteen. 420 00:20:18,520 --> 00:20:20,800 Speaker 2: If you want to sleep at night, do something classic 421 00:20:20,960 --> 00:20:24,879 Speaker 2: and sleek and chic and normal looking. We chose a pretty, 422 00:20:25,800 --> 00:20:29,439 Speaker 2: like a really pretty uh patterned tile for our shower, 423 00:20:29,480 --> 00:20:31,760 Speaker 2: and I love it, but I've literally been having like 424 00:20:31,840 --> 00:20:35,119 Speaker 2: stressed nightmares about it of this tile the exact same question, 425 00:20:35,200 --> 00:20:36,840 Speaker 2: like this is going to be ugly in ten years? 426 00:20:36,880 --> 00:20:38,440 Speaker 2: Do I hate this tile? Is at the right tile. 427 00:20:38,640 --> 00:20:40,359 Speaker 2: That's the problem with the home renovation, Like you make 428 00:20:40,400 --> 00:20:43,640 Speaker 2: decisions today, doesn't get installed for like six to eight weeks, 429 00:20:43,640 --> 00:20:46,159 Speaker 2: and then you're like, wait, I still make do I 430 00:20:46,200 --> 00:20:48,399 Speaker 2: like that decision that I made. It's not good for 431 00:20:48,440 --> 00:20:49,960 Speaker 2: indecisive people, I can tell you that. 432 00:20:50,440 --> 00:20:53,199 Speaker 1: And I'm like the worst when it comes to decision. 433 00:20:53,600 --> 00:20:55,240 Speaker 2: Just do white and live your life. 434 00:20:55,440 --> 00:20:56,879 Speaker 1: And that's what I said. I think I'm gonna like 435 00:20:56,920 --> 00:20:58,879 Speaker 1: fit the bathroom for the most part. We're gonna make 436 00:20:58,880 --> 00:21:01,879 Speaker 1: it really clean and so like subway tile for like 437 00:21:01,960 --> 00:21:06,200 Speaker 1: the the guest bathroom in a Supergirl's bathroom. And then 438 00:21:06,920 --> 00:21:08,520 Speaker 1: like I don't know what the floors are going to 439 00:21:08,600 --> 00:21:10,879 Speaker 1: look like, but I figure, like the bathrooms and then 440 00:21:10,880 --> 00:21:14,040 Speaker 1: the master bathroom. I want some marble, not the whole thing, 441 00:21:14,280 --> 00:21:17,359 Speaker 1: but I want like definitely some like marble access but 442 00:21:17,400 --> 00:21:19,800 Speaker 1: even that, I'm going to choose a classic because there 443 00:21:19,800 --> 00:21:21,480 Speaker 1: were definitely some funky towels and I'm like, oh, I 444 00:21:21,520 --> 00:21:25,760 Speaker 1: love it. I'm like yeah to day, what about it? March? Yeah, 445 00:21:25,840 --> 00:21:27,879 Speaker 1: So but I do I want to go classic. We 446 00:21:28,359 --> 00:21:31,200 Speaker 1: have mostly hardwood floor not even mostly. We have hardwood 447 00:21:31,200 --> 00:21:34,480 Speaker 1: floors throughout, so thankfully that's always classic. It's just a 448 00:21:34,560 --> 00:21:37,040 Speaker 1: tile in the kitchen that's giving like me a stomach 449 00:21:37,040 --> 00:21:39,240 Speaker 1: ache because I wanted to put wood in the kitchen 450 00:21:40,080 --> 00:21:43,640 Speaker 1: because like no like on the floor have you ever 451 00:21:43,640 --> 00:21:46,239 Speaker 1: seen that? Like when you was, I'm like, yeah, you know, 452 00:21:46,359 --> 00:21:49,320 Speaker 1: but it's like our our kitchen floor is not naturally even, 453 00:21:49,880 --> 00:21:52,879 Speaker 1: and so it was going to be really expensive to 454 00:21:52,880 --> 00:21:57,280 Speaker 1: to level it. He said, but there's self leveling whatever 455 00:21:57,320 --> 00:21:59,840 Speaker 1: that goes under tile, like you could pour it in 456 00:21:59,840 --> 00:22:01,720 Speaker 1: its levels itself. And he was like that would be 457 00:22:01,760 --> 00:22:05,080 Speaker 1: way less expressed our contractor way less expensive than literally 458 00:22:05,359 --> 00:22:08,560 Speaker 1: rebuilding the floor for the kitchen, which would cost a lot. 459 00:22:08,760 --> 00:22:11,440 Speaker 1: So even though I wanted wood through our kitchen is 460 00:22:11,480 --> 00:22:13,000 Speaker 1: attached to our dining room and living room and I 461 00:22:13,000 --> 00:22:16,480 Speaker 1: wanted wood throughout, I decided let's go for tile. But 462 00:22:16,560 --> 00:22:19,879 Speaker 1: now picking the tiles like, yikes, I just what I 463 00:22:19,920 --> 00:22:20,359 Speaker 1: don't know. 464 00:22:20,720 --> 00:22:26,480 Speaker 2: I don't dam uh buss deep ruhs and good luck. 465 00:22:29,320 --> 00:22:31,040 Speaker 1: This weekend, I'm gonna go see my I have a 466 00:22:31,080 --> 00:22:34,119 Speaker 1: new niece. She's only a couple months old. My sister 467 00:22:34,359 --> 00:22:36,560 Speaker 1: she had a baby and she moved. I'm like, are 468 00:22:36,560 --> 00:22:39,240 Speaker 1: you crazy? So she's like, when are you guys eat? 469 00:22:40,119 --> 00:22:42,760 Speaker 1: She just moved. She just moved last week. So I 470 00:22:42,800 --> 00:22:45,520 Speaker 1: told her, like, so my sister Carol and I are 471 00:22:45,520 --> 00:22:47,959 Speaker 1: going to go see her this weekend and help her 472 00:22:48,080 --> 00:22:51,960 Speaker 1: unpack because she's like, because she's breastfeeding, and she was like, yo, 473 00:22:52,560 --> 00:22:54,919 Speaker 1: I mean, I don't even belong to myself anymore. I 474 00:22:54,960 --> 00:22:57,160 Speaker 1: belong to this baby. The baby's like, where are you going? 475 00:22:57,320 --> 00:23:00,800 Speaker 1: Sit down? So she's like, like, my husband doesn't know 476 00:23:00,800 --> 00:23:03,560 Speaker 1: where anything goes, you know, And so she's like and 477 00:23:03,600 --> 00:23:07,159 Speaker 1: he's a doctor, so he's working a lot, and so 478 00:23:07,200 --> 00:23:09,359 Speaker 1: she's just like, okay, so I need help. So I 479 00:23:09,400 --> 00:23:11,359 Speaker 1: was like, sisters to the rescue. So I'm excited to 480 00:23:11,400 --> 00:23:14,440 Speaker 1: see the baby Lily, but also help her unpack her house. 481 00:23:14,560 --> 00:23:16,320 Speaker 1: She lives in Chicago. I was like, you should have 482 00:23:16,320 --> 00:23:17,040 Speaker 1: stayed in john Z. 483 00:23:17,240 --> 00:23:18,240 Speaker 2: Oh you're one in Chicago. 484 00:23:18,359 --> 00:23:20,880 Speaker 1: Okay, So I'm like, Lord, the weather. But I don't 485 00:23:20,880 --> 00:23:22,200 Speaker 1: think it's not like we're going to be like hanging 486 00:23:22,240 --> 00:23:24,440 Speaker 1: out hanging out. We're just going for an extending weekend 487 00:23:24,480 --> 00:23:28,120 Speaker 1: like Thursday to a Sunday and for the labor basically 488 00:23:28,240 --> 00:23:29,920 Speaker 1: m to just help. What she was just like, we 489 00:23:29,960 --> 00:23:31,840 Speaker 1: don't we don't even have mattresses. I was like, well, 490 00:23:31,840 --> 00:23:33,000 Speaker 1: as long have hit, you're a mattress. 491 00:23:33,000 --> 00:23:35,560 Speaker 2: This iss her second baby or first, this is her first. 492 00:23:35,640 --> 00:23:37,600 Speaker 1: She was trying for a while. She has her beautiful baby. 493 00:23:37,600 --> 00:23:39,919 Speaker 1: I was like, yay, she's the oldest of five of 494 00:23:39,960 --> 00:23:40,760 Speaker 1: the five of us. 495 00:23:41,000 --> 00:23:43,080 Speaker 2: I was just joking with the girlfriend who's having her second, 496 00:23:43,080 --> 00:23:45,200 Speaker 2: and she was like, no one cares about your second baby. 497 00:23:45,320 --> 00:23:47,439 Speaker 2: No one offers to help or gives you a baby shower. 498 00:23:47,520 --> 00:23:50,120 Speaker 2: It's like, it's just as hard as having it, maybe 499 00:23:50,160 --> 00:23:52,399 Speaker 2: even harder because you have a baby plus other baby. 500 00:23:53,480 --> 00:23:55,760 Speaker 2: So then you know, my friend with the second baby, 501 00:23:55,800 --> 00:23:56,600 Speaker 2: pay attention to them. 502 00:23:57,000 --> 00:23:58,840 Speaker 1: Yeah, it's true because I look back and I'm like, 503 00:23:58,840 --> 00:24:00,800 Speaker 1: I don't even have that many baby pictures. I was like, 504 00:24:00,840 --> 00:24:02,600 Speaker 1: you guys didn't even care because I'm the second. 505 00:24:02,960 --> 00:24:06,800 Speaker 2: Oh yeah, you and my little brother just whining he 506 00:24:06,880 --> 00:24:09,560 Speaker 2: was number four, number four, okay, so imagine. 507 00:24:10,880 --> 00:24:12,199 Speaker 1: But I feel like I feel like the first and 508 00:24:12,280 --> 00:24:14,960 Speaker 1: definitely the last. The last is always like, oh my goodness, 509 00:24:15,560 --> 00:24:17,919 Speaker 1: you're the little princess of the world or prince of 510 00:24:17,960 --> 00:24:20,760 Speaker 1: the world. But like, yeah, the second baby does not 511 00:24:20,840 --> 00:24:23,080 Speaker 1: get any love. I was like, Mommy, Like my one day, 512 00:24:23,080 --> 00:24:28,720 Speaker 1: my mom created like love. What are those things called, uh? 513 00:24:28,840 --> 00:24:30,959 Speaker 1: Picture albums for all of us, Like she grabbed all 514 00:24:31,040 --> 00:24:33,720 Speaker 1: our baby pictures from every corner of the world and 515 00:24:34,280 --> 00:24:37,199 Speaker 1: gave us each our own individual like picture album like 516 00:24:37,920 --> 00:24:41,000 Speaker 1: Karen the Oldest had like three, you know, everybody else 517 00:24:41,040 --> 00:24:44,159 Speaker 1: had like I had like half a one. I was like, Mommy, 518 00:24:44,240 --> 00:24:46,800 Speaker 1: got tired. I can't believe it. I was like, Mommy, 519 00:24:46,840 --> 00:24:50,119 Speaker 1: what happened? And she's like, I know, we took more 520 00:24:50,160 --> 00:24:53,600 Speaker 1: pictures than this. I want to like weep. I'm like, 521 00:24:53,680 --> 00:24:56,240 Speaker 1: why is mine the skinniest? 522 00:24:56,320 --> 00:24:57,400 Speaker 2: You look like the other one? 523 00:24:57,440 --> 00:25:01,760 Speaker 1: So you know. Oh so I was like, yes, that's 524 00:25:01,800 --> 00:25:08,199 Speaker 1: poor second baby. All right, these are my questions. I 525 00:25:08,240 --> 00:25:10,760 Speaker 1: don't know the rest of the work, and I know 526 00:25:10,880 --> 00:25:15,440 Speaker 1: the audience is gonna get annoyed. These are my questions. 527 00:25:15,520 --> 00:25:16,080 Speaker 1: It's a question. 528 00:25:16,160 --> 00:25:19,000 Speaker 2: Like I said, there's not enough syllables to match that 529 00:25:19,160 --> 00:25:23,959 Speaker 2: song usher, Usher, But we'll let it pass. We'll let 530 00:25:23,960 --> 00:25:26,879 Speaker 2: it pass. It's the holidays, okay, guys, So we're going 531 00:25:26,920 --> 00:25:28,919 Speaker 2: to go through the reader mailbox right now. Hit us 532 00:25:28,960 --> 00:25:33,000 Speaker 2: up at brannabisionpodcast dot com with your questions. You can 533 00:25:33,080 --> 00:25:35,280 Speaker 2: hit the ask us anything to believe a question, or 534 00:25:35,480 --> 00:25:39,880 Speaker 2: email us directly at Briannambission Podcast at gmail dot com. 535 00:25:39,920 --> 00:25:40,399 Speaker 1: So we have a. 536 00:25:40,400 --> 00:25:43,320 Speaker 2: Couple of good questions. First questions from listener Jessica, a 537 00:25:43,400 --> 00:25:46,879 Speaker 2: repeat questioner. She says I wrote a while back about 538 00:25:46,880 --> 00:25:49,600 Speaker 2: being passed up for promotion with my company and having 539 00:25:49,640 --> 00:25:51,840 Speaker 2: people that I trained be promoted above me. I remember 540 00:25:51,840 --> 00:25:55,360 Speaker 2: this question, so I ended up talking to my supervisor. 541 00:25:55,680 --> 00:25:58,160 Speaker 2: When I asked why I wasn't considered for the position, 542 00:25:58,320 --> 00:26:00,600 Speaker 2: he stated that we didn't think this was something you'd 543 00:26:00,640 --> 00:26:04,240 Speaker 2: want to do. Since then, I've decided to start pursuing 544 00:26:04,240 --> 00:26:06,959 Speaker 2: my dream of becoming an entrepreneur. Is there any advice 545 00:26:07,000 --> 00:26:09,159 Speaker 2: that you can offer me? I got so far and 546 00:26:09,160 --> 00:26:11,000 Speaker 2: then I kind of get stuck on what to do next. 547 00:26:11,280 --> 00:26:13,880 Speaker 2: I've created a name, I've applied for my business license, 548 00:26:14,200 --> 00:26:16,440 Speaker 2: and started a website. But now I'm kind of confused 549 00:26:16,480 --> 00:26:21,720 Speaker 2: on what's next. So turned down from for promotion and 550 00:26:21,760 --> 00:26:24,480 Speaker 2: then now wants to get out of the corporate world 551 00:26:24,480 --> 00:26:25,479 Speaker 2: and start her own business. 552 00:26:26,680 --> 00:26:30,800 Speaker 1: Okay, so well, starting your own business, I mean it's 553 00:26:31,080 --> 00:26:34,760 Speaker 1: it's always an adventure. What's next is really to figure 554 00:26:34,760 --> 00:26:37,080 Speaker 1: out what are your what I would say, you want 555 00:26:37,080 --> 00:26:39,159 Speaker 1: to start a tree business versus a bush business. So 556 00:26:39,640 --> 00:26:41,720 Speaker 1: a bush business is like and this is what most 557 00:26:41,760 --> 00:26:44,760 Speaker 1: people do it in the beginning because they're nervous. They're like, oh, 558 00:26:44,840 --> 00:26:46,959 Speaker 1: so I teach you how to budget, I fix your 559 00:26:46,960 --> 00:26:48,679 Speaker 1: credit I help you with sudent loans, I help you 560 00:26:48,720 --> 00:26:53,680 Speaker 1: with debt, I sell goal chains, I do hair, and so. 561 00:26:52,720 --> 00:26:56,760 Speaker 2: Sounds like a black bush business specifically. 562 00:26:57,320 --> 00:27:00,159 Speaker 1: Yeah, So, like think about a bush. It's sprouted, It 563 00:27:00,160 --> 00:27:03,439 Speaker 1: has a whole bunch of little like whatever, those twigs 564 00:27:03,520 --> 00:27:05,520 Speaker 1: or whatever, and it sprouts, but it stunts its own 565 00:27:05,560 --> 00:27:08,000 Speaker 1: growth because it does too many things. And so you're 566 00:27:08,000 --> 00:27:10,480 Speaker 1: wanting to develop a tree business. And so an example 567 00:27:10,520 --> 00:27:12,879 Speaker 1: if I'm going to use the budgetista was literally I 568 00:27:12,960 --> 00:27:15,920 Speaker 1: called myself the budgetista because that's all I did. I 569 00:27:16,000 --> 00:27:19,040 Speaker 1: had that core deliverable. I will help you create a budget. 570 00:27:19,320 --> 00:27:23,040 Speaker 1: I talked about budgeting, I posted about budgeting, I sat 571 00:27:23,080 --> 00:27:25,800 Speaker 1: one on one with people doing budgeting, and that was 572 00:27:25,840 --> 00:27:28,320 Speaker 1: my tree trunk. And once you build a really strong 573 00:27:28,359 --> 00:27:32,080 Speaker 1: tree trunk, you find and you find the folks who 574 00:27:32,119 --> 00:27:36,800 Speaker 1: are wanting to purchase from you, your customers. You develop 575 00:27:37,000 --> 00:27:40,520 Speaker 1: like your expertise, because when you're starting a business, even 576 00:27:40,520 --> 00:27:43,080 Speaker 1: if you're really good at baking cakes, you still can 577 00:27:43,119 --> 00:27:46,560 Speaker 1: always be better. And so all about that one core thing, 578 00:27:47,240 --> 00:27:50,359 Speaker 1: and then you can branch off, like you know, once 579 00:27:50,400 --> 00:27:52,879 Speaker 1: trees get you know, nice and tall or whatever, then 580 00:27:52,920 --> 00:27:54,359 Speaker 1: they can branch off into other things. 581 00:27:54,359 --> 00:27:57,120 Speaker 2: So I through with this analogy right now, because that's amazing. 582 00:27:57,160 --> 00:27:58,960 Speaker 2: I love the analogy, right's. 583 00:27:58,960 --> 00:28:00,240 Speaker 1: I always said, you want a tree bit this is 584 00:28:00,320 --> 00:28:03,119 Speaker 1: versus a bush business. So that's one. So but you 585 00:28:03,240 --> 00:28:06,199 Speaker 1: have to figure out what is your tree trunk, you know, 586 00:28:06,440 --> 00:28:09,800 Speaker 1: And it's harder than you think because so for example, 587 00:28:09,840 --> 00:28:12,199 Speaker 1: you might say, I bake. My tree trunk is baking, 588 00:28:12,600 --> 00:28:16,200 Speaker 1: but are you cupcakes? Are you cookies? Are you muffin tops? 589 00:28:16,440 --> 00:28:19,320 Speaker 1: So it's not as easy as I just bake. So 590 00:28:19,400 --> 00:28:20,880 Speaker 1: you like, and the reason why you want to get 591 00:28:20,920 --> 00:28:23,720 Speaker 1: really clear is that you want to build trust. The 592 00:28:24,119 --> 00:28:26,720 Speaker 1: awesome thing about trust is that it can be transferred. 593 00:28:27,119 --> 00:28:29,960 Speaker 1: So once I got really good at budgeting for like 594 00:28:30,000 --> 00:28:32,879 Speaker 1: a year or two, everybody knew tivity is the budgeting 595 00:28:33,040 --> 00:28:36,360 Speaker 1: to all of my my potential customers and clients, and 596 00:28:36,400 --> 00:28:38,480 Speaker 1: then I was able to say, I can also help 597 00:28:38,520 --> 00:28:42,000 Speaker 1: you with and so I would focus on that first. 598 00:28:42,040 --> 00:28:45,600 Speaker 1: And to me, one of the best ways to hone 599 00:28:45,600 --> 00:28:50,000 Speaker 1: your craft is to volunteer. So I'm not sure specifically 600 00:28:50,000 --> 00:28:51,600 Speaker 1: what you're you know, like, let's just say you're doing 601 00:28:51,640 --> 00:28:56,000 Speaker 1: a service business, so I would you know, be you know, 602 00:28:56,200 --> 00:28:58,400 Speaker 1: like kind of like recruiting for clients. But then on 603 00:28:58,480 --> 00:29:00,680 Speaker 1: the side, I would volunce here at like the Boys 604 00:29:00,680 --> 00:29:04,000 Speaker 1: and Girls Club or you know, homeless shelter or or 605 00:29:04,040 --> 00:29:07,280 Speaker 1: domestic violence shelter for women to hone my skill set 606 00:29:07,320 --> 00:29:09,880 Speaker 1: on the side. And you'll see comedians will do this too, 607 00:29:10,000 --> 00:29:13,640 Speaker 1: like Chris Rock and Dave Chappelle. Dyan notorious for like 608 00:29:13,840 --> 00:29:16,600 Speaker 1: playing really really small clubs on knights that no one 609 00:29:16,600 --> 00:29:19,480 Speaker 1: knows that they're coming and practicing new material, and then 610 00:29:19,480 --> 00:29:21,040 Speaker 1: once they get it good, then they'll bring it to 611 00:29:21,080 --> 00:29:24,720 Speaker 1: the HBO stage. So don't be afraid. On the side, 612 00:29:24,800 --> 00:29:26,480 Speaker 1: people tell you don't do stuff for free. I think 613 00:29:26,520 --> 00:29:28,440 Speaker 1: that's foolish. Of course you should do stuff for free, 614 00:29:28,520 --> 00:29:31,600 Speaker 1: but like you know, donating to organizations and people that 615 00:29:31,720 --> 00:29:35,000 Speaker 1: might not otherwise be able to afford you to hone 616 00:29:35,000 --> 00:29:39,200 Speaker 1: your craft and use social media to your advantage. Because 617 00:29:39,560 --> 00:29:43,400 Speaker 1: social media I call social media the pre resume. So 618 00:29:44,000 --> 00:29:47,120 Speaker 1: before someone gets to know you, they get to know 619 00:29:47,160 --> 00:29:50,040 Speaker 1: the social media you. So what do you want people 620 00:29:50,080 --> 00:29:52,720 Speaker 1: to know about you? And so I knew I wanted 621 00:29:52,760 --> 00:29:56,160 Speaker 1: to teach in person classes, so every time I did one, 622 00:29:56,240 --> 00:29:58,600 Speaker 1: even if it was volunteer, I used to post it 623 00:29:58,600 --> 00:30:01,200 Speaker 1: the social media and have a clear description of like 624 00:30:01,760 --> 00:30:04,480 Speaker 1: had a great time speaking at the United Way today, 625 00:30:04,960 --> 00:30:09,720 Speaker 1: taught the you know talk women whatever how to budget 626 00:30:09,760 --> 00:30:12,040 Speaker 1: for the holidays, So that way I was what I 627 00:30:12,120 --> 00:30:14,320 Speaker 1: was doing was putting out my pre resumes so people 628 00:30:14,400 --> 00:30:18,440 Speaker 1: knew exactly what to hire me for. And I realized 629 00:30:18,440 --> 00:30:21,000 Speaker 1: that it was working. When let's just say, I remember 630 00:30:21,040 --> 00:30:22,880 Speaker 1: one time I volunteered. I helped the Girl Scout Troop 631 00:30:22,960 --> 00:30:26,920 Speaker 1: get their student their their financial literacy badges, and I 632 00:30:26,920 --> 00:30:29,000 Speaker 1: thought it was so cute, so I posted it. If 633 00:30:29,000 --> 00:30:30,840 Speaker 1: I tell you how many Girl Scout Troops reached out 634 00:30:30,880 --> 00:30:32,760 Speaker 1: to me, and I realized that I have to be 635 00:30:32,840 --> 00:30:35,400 Speaker 1: mindful to post what I want to get hired for, 636 00:30:36,200 --> 00:30:38,000 Speaker 1: because if I didn't want to do more and Girls 637 00:30:38,000 --> 00:30:39,520 Speaker 1: Scout Troops, whause I didn't, I mean I did it 638 00:30:39,520 --> 00:30:41,400 Speaker 1: for a friend of mine. It was fun. If I 639 00:30:41,400 --> 00:30:44,320 Speaker 1: didn't want to do that, then it's okay not to 640 00:30:44,360 --> 00:30:47,600 Speaker 1: post that. So posting also what you want to get 641 00:30:48,880 --> 00:30:51,959 Speaker 1: hired for. Some tools that will be helpful if you're 642 00:30:52,000 --> 00:30:56,440 Speaker 1: going to build a site. I really like WordPress because 643 00:30:56,480 --> 00:31:00,640 Speaker 1: it's almost every website designer knows how to do the 644 00:31:00,680 --> 00:31:02,440 Speaker 1: back end, Like if you're using a site like a 645 00:31:02,440 --> 00:31:05,960 Speaker 1: Wix or or some other sites. Sometimes not everyone's familiar 646 00:31:06,000 --> 00:31:10,680 Speaker 1: with WordPress is pretty much the standard. Woolfo wu Foo 647 00:31:11,320 --> 00:31:13,680 Speaker 1: is an awesome free contact form. I think it's up 648 00:31:14,040 --> 00:31:17,400 Speaker 1: up to one hundred free messages a month. I believe 649 00:31:17,400 --> 00:31:19,959 Speaker 1: that you can get with woofu. So what I love 650 00:31:20,000 --> 00:31:22,240 Speaker 1: about woofoo is that you can embed it on your site. 651 00:31:22,560 --> 00:31:25,760 Speaker 1: But even better is that you can create the contactform 652 00:31:25,800 --> 00:31:27,640 Speaker 1: on woofoo dot com and they can give you a link. 653 00:31:28,040 --> 00:31:30,800 Speaker 1: So whenever I would speak like say like I said 654 00:31:30,840 --> 00:31:33,240 Speaker 1: like the United Way had it awesome times speaking at 655 00:31:33,240 --> 00:31:35,560 Speaker 1: the United Way teaching women how to budget. If you 656 00:31:35,600 --> 00:31:38,400 Speaker 1: would like me to budget at your company or help 657 00:31:38,480 --> 00:31:42,320 Speaker 1: your women to budget, contact me here and here would 658 00:31:42,360 --> 00:31:44,560 Speaker 1: not be my email. It would be my woofu form 659 00:31:45,200 --> 00:31:48,520 Speaker 1: and the former pop up and it would say name, email, 660 00:31:48,640 --> 00:31:50,760 Speaker 1: subject and you know what do you need or whatever, 661 00:31:51,000 --> 00:31:53,560 Speaker 1: And when they filled it out, they would it would 662 00:31:53,600 --> 00:31:57,840 Speaker 1: go to my email directly. Because people are inherently lazy, 663 00:31:58,320 --> 00:32:01,760 Speaker 1: and so if you say email, if they're at a 664 00:32:01,800 --> 00:32:04,960 Speaker 1: red light or they're at McDonald's eating, for them to stop, 665 00:32:05,040 --> 00:32:07,440 Speaker 1: go to their email. Remember your email email you is. 666 00:32:07,520 --> 00:32:09,600 Speaker 1: That's a lot of steps and so if you could 667 00:32:09,640 --> 00:32:12,040 Speaker 1: reduce the steps by them just clicking your contact form 668 00:32:12,120 --> 00:32:14,880 Speaker 1: link that's in the bio of your IG or just 669 00:32:14,920 --> 00:32:17,480 Speaker 1: a link inside your your your Facebook post or whatever, 670 00:32:17,880 --> 00:32:20,760 Speaker 1: or your Twitter posts, then you can you can cut 671 00:32:20,800 --> 00:32:22,320 Speaker 1: down the steps and they just click and they don't 672 00:32:22,360 --> 00:32:23,920 Speaker 1: have to go to their email. They could just fill 673 00:32:23,920 --> 00:32:26,360 Speaker 1: out your form. So I think those are good places 674 00:32:26,360 --> 00:32:30,040 Speaker 1: for you to start. And I wish you well, I 675 00:32:30,080 --> 00:32:31,200 Speaker 1: need to write a book, my friend. 676 00:32:31,400 --> 00:32:33,400 Speaker 2: I feel like you can keep going and going. I mean, 677 00:32:33,440 --> 00:32:35,600 Speaker 2: it's also you're in the privileged position of having a 678 00:32:35,680 --> 00:32:38,440 Speaker 2: job even while you start a business, so you know, 679 00:32:38,600 --> 00:32:41,959 Speaker 2: use that to your advantage. Let them pay you and 680 00:32:42,080 --> 00:32:45,480 Speaker 2: use that money to you know, use that stability while 681 00:32:45,520 --> 00:32:49,000 Speaker 2: you're trying to launch your business. But I understand that 682 00:32:49,040 --> 00:32:51,000 Speaker 2: I think that what I identify with this a frustration. 683 00:32:51,080 --> 00:32:53,440 Speaker 2: And I feel like if you're passed up for promotion, 684 00:32:54,280 --> 00:32:55,840 Speaker 2: you know, it seems like you're ready to kind of 685 00:32:55,960 --> 00:32:59,000 Speaker 2: just quit and move on. But you're what I would say, 686 00:32:59,000 --> 00:33:00,840 Speaker 2: as your manager said, we didn't think this is something 687 00:33:00,840 --> 00:33:03,720 Speaker 2: that you'd want to do, So I would ask yourself, 688 00:33:03,840 --> 00:33:05,520 Speaker 2: I mean, maybe this isn't the job that you want 689 00:33:05,680 --> 00:33:07,480 Speaker 2: long term or you're just not happy there. That's why 690 00:33:07,480 --> 00:33:09,240 Speaker 2: you want to leave. But if you're at a job 691 00:33:09,280 --> 00:33:10,959 Speaker 2: and someone says that to you, I mean you have 692 00:33:11,040 --> 00:33:14,200 Speaker 2: to don't let them. Don't wait to be tapped on 693 00:33:14,240 --> 00:33:17,480 Speaker 2: the shoulder and given a golden staircase to the next opportunity. 694 00:33:17,560 --> 00:33:19,880 Speaker 2: Sometimes you have to ask for it, and sometimes you 695 00:33:19,920 --> 00:33:23,120 Speaker 2: have to not demand, but be upfront and be assertive 696 00:33:23,200 --> 00:33:25,320 Speaker 2: with what you want out of your job. And if 697 00:33:25,360 --> 00:33:28,040 Speaker 2: you're ready for a promotion, don't let them even use 698 00:33:28,080 --> 00:33:29,600 Speaker 2: this as an excuse that we didn't think that's what 699 00:33:29,640 --> 00:33:31,840 Speaker 2: you wanted to do. Don't let it be a secret. 700 00:33:32,720 --> 00:33:35,320 Speaker 2: You know, not all managers pay attention, and not all 701 00:33:35,320 --> 00:33:38,040 Speaker 2: managers may think that you're ready if you don't raise 702 00:33:38,080 --> 00:33:41,840 Speaker 2: your hand and say that you're ready. So that's my 703 00:33:41,920 --> 00:33:46,920 Speaker 2: two cents. And everything Tiffany said was fantastic. You should 704 00:33:46,920 --> 00:33:47,760 Speaker 2: write a book, tiff On. 705 00:33:49,680 --> 00:33:52,280 Speaker 1: Al I'll think, like, what, I don't know anything about business, 706 00:33:52,320 --> 00:33:55,400 Speaker 1: and I'm like out of year, could you not? 707 00:33:55,840 --> 00:33:58,600 Speaker 2: You're just in the middle of it. But like reflecting 708 00:33:58,640 --> 00:34:00,560 Speaker 2: on it. You have to reflect on what you've done 709 00:34:00,560 --> 00:34:02,000 Speaker 2: and what's worked and what hasn't worked, and then you 710 00:34:02,040 --> 00:34:03,960 Speaker 2: have so much to offer people when they ask you. 711 00:34:04,440 --> 00:34:06,959 Speaker 1: Yeah, it's not until that happens. That's why, you know, 712 00:34:07,120 --> 00:34:10,279 Speaker 1: teaching is such a great tool. And this is why, 713 00:34:10,320 --> 00:34:13,000 Speaker 1: I mean I tell people all the time volunteering. One 714 00:34:13,120 --> 00:34:15,799 Speaker 1: it's good for your soul, it just is. And then 715 00:34:15,840 --> 00:34:20,480 Speaker 1: two it's so good for you, like developmentally, because when 716 00:34:20,520 --> 00:34:24,200 Speaker 1: you teach, you learn twice. So when when you're sharing 717 00:34:24,239 --> 00:34:28,880 Speaker 1: your service or product with like a vulnerable population that 718 00:34:28,960 --> 00:34:32,000 Speaker 1: otherwise could not invest in it, you know that you 719 00:34:32,160 --> 00:34:34,600 Speaker 1: what you're really doing is you're honing your craft. And 720 00:34:34,640 --> 00:34:38,680 Speaker 1: so the more I love teaching because it makes me better. 721 00:34:38,760 --> 00:34:41,120 Speaker 1: It means that it forces me to learn new things, 722 00:34:41,160 --> 00:34:44,080 Speaker 1: but it also forces that what I do know to 723 00:34:44,160 --> 00:34:46,680 Speaker 1: be true, I prove it like that truth over and 724 00:34:46,719 --> 00:34:49,279 Speaker 1: over and over. And so, I mean, I do a 725 00:34:49,280 --> 00:34:52,279 Speaker 1: lot of volunteering on the side, and sometimes it's just 726 00:34:52,320 --> 00:34:56,920 Speaker 1: like talking to mentees or helping out friends because you 727 00:34:57,120 --> 00:34:59,160 Speaker 1: just there's so much to learn in business. I mean 728 00:34:59,160 --> 00:35:01,840 Speaker 1: every day I'm making stuff up. I mean, I don't know. Sometimes, 729 00:35:01,880 --> 00:35:04,400 Speaker 1: like someone asked me just something earlier before we started 730 00:35:04,400 --> 00:35:07,000 Speaker 1: taping one of my team members, and they know I'm 731 00:35:07,040 --> 00:35:09,040 Speaker 1: the queen of like girl, I don't know, Well, we're 732 00:35:09,040 --> 00:35:10,759 Speaker 1: gonna figure it out, though, I mean one way or 733 00:35:10,800 --> 00:35:13,000 Speaker 1: the other, it's either right or wrong. Let's try this. 734 00:35:14,120 --> 00:35:16,920 Speaker 1: So and then some things I do know because we 735 00:35:16,960 --> 00:35:19,160 Speaker 1: did the wrong thing two years ago, we figured out 736 00:35:19,200 --> 00:35:22,440 Speaker 1: what the right thing is. And business is both terrifying 737 00:35:22,520 --> 00:35:25,760 Speaker 1: and amazing. I don't know that I could do anything 738 00:35:25,760 --> 00:35:28,080 Speaker 1: else now because I've been doing it so long. But 739 00:35:28,600 --> 00:35:30,680 Speaker 1: it's there are days when I'm like, I quit. I 740 00:35:30,719 --> 00:35:32,880 Speaker 1: just want to be timpany to the preschool teacher. I 741 00:35:32,920 --> 00:35:33,680 Speaker 1: hate everybody. 742 00:35:34,040 --> 00:35:36,600 Speaker 4: And there are days and instance there are days I'm like, 743 00:35:36,640 --> 00:35:41,640 Speaker 4: I love it. This is amazing and yeah, and literally 744 00:35:41,760 --> 00:35:43,520 Speaker 4: that could happen all one day, that could happen all 745 00:35:43,520 --> 00:35:44,040 Speaker 4: in one hour. 746 00:35:45,920 --> 00:35:48,200 Speaker 2: Thing prepare for that major shift? And what would you 747 00:35:48,239 --> 00:35:50,520 Speaker 2: say to her process? So she says she's created a name, 748 00:35:50,560 --> 00:35:53,560 Speaker 2: applied for her business license, and started a website. To me, 749 00:35:53,640 --> 00:35:56,080 Speaker 2: that sounds like the trappings of a business. But I 750 00:35:56,120 --> 00:35:58,359 Speaker 2: feel like what she should really do is focus on 751 00:35:58,440 --> 00:36:00,399 Speaker 2: what is the business? And she doesn't act. They share 752 00:36:00,440 --> 00:36:02,480 Speaker 2: this in her message. Maybe she has done the work, 753 00:36:03,000 --> 00:36:05,120 Speaker 2: but actually taking time to figure out what your business 754 00:36:05,280 --> 00:36:08,640 Speaker 2: is first, before you get the bells and the whistles. 755 00:36:08,880 --> 00:36:11,000 Speaker 1: I always say you can look at a business, or 756 00:36:11,000 --> 00:36:13,080 Speaker 1: you could be a business. There's a little girl who 757 00:36:13,160 --> 00:36:15,040 Speaker 1: lives in our complex. She has to be like fourteen 758 00:36:15,120 --> 00:36:18,200 Speaker 1: or fifteen, and on the weekend she braids hair. She 759 00:36:18,239 --> 00:36:20,359 Speaker 1: has like a little line of other little girls that come. 760 00:36:20,920 --> 00:36:24,440 Speaker 1: She sits on her little steps. Right, Chante has a 761 00:36:24,480 --> 00:36:28,560 Speaker 1: business because she has a product or service that people 762 00:36:28,680 --> 00:36:31,880 Speaker 1: want and they purchase that part that and they purchase 763 00:36:32,040 --> 00:36:34,840 Speaker 1: is critical. Right now. I know people who are grown 764 00:36:35,400 --> 00:36:40,800 Speaker 1: with pens and websites and cards and all the trappings 765 00:36:40,800 --> 00:36:43,680 Speaker 1: of business, but no one has bought anything. Chantai has 766 00:36:43,719 --> 00:36:46,560 Speaker 1: a business. You know, websites and pens and all this 767 00:36:46,600 --> 00:36:49,000 Speaker 1: stuff do not make business. The biggest mistake I see 768 00:36:49,040 --> 00:36:51,800 Speaker 1: new business owners make is that they invest in things 769 00:36:52,000 --> 00:36:55,520 Speaker 1: that don't bring a direct return on investment. ROI so 770 00:36:55,560 --> 00:36:58,719 Speaker 1: you don't like now, I'm further removed, so I can 771 00:36:59,120 --> 00:37:02,360 Speaker 1: purchase things that the return comes later. But in the beginning, 772 00:37:02,440 --> 00:37:06,040 Speaker 1: you cannot afford to spend money on things that that's 773 00:37:06,040 --> 00:37:09,440 Speaker 1: not a direct return. Example, you are a baker. You 774 00:37:09,440 --> 00:37:13,520 Speaker 1: know you wanna bake cakes. Your money should be going 775 00:37:13,560 --> 00:37:17,520 Speaker 1: to a flour, eggs, sugar, whatever else, cake mix or 776 00:37:17,520 --> 00:37:21,840 Speaker 1: whatever you know, because what you can do is literally 777 00:37:21,880 --> 00:37:25,560 Speaker 1: you purchase those things. You make the cake, you sell 778 00:37:25,560 --> 00:37:28,880 Speaker 1: the cake. If you purchase all of these other like 779 00:37:29,040 --> 00:37:32,359 Speaker 1: secondary things like a website and business cards whatever, you 780 00:37:32,400 --> 00:37:35,280 Speaker 1: cannot sell a website, like if you're like a baker, 781 00:37:35,320 --> 00:37:38,759 Speaker 1: that's not the point. You cannot sell business cards. So 782 00:37:38,800 --> 00:37:40,839 Speaker 1: those things don't matter as much you think that they do. 783 00:37:40,920 --> 00:37:45,040 Speaker 1: But ultimately people just want cake. And so until your 784 00:37:45,120 --> 00:37:47,960 Speaker 1: cakes make enough money so that way you don't you're 785 00:37:48,000 --> 00:37:50,600 Speaker 1: not living hand to mouth in your business. You should 786 00:37:50,680 --> 00:37:54,799 Speaker 1: really just be investing in things that it's a quick 787 00:37:54,880 --> 00:37:58,200 Speaker 1: return on investment, meaning that you purchase them and they 788 00:37:58,719 --> 00:38:01,200 Speaker 1: lead to a direct sale. And so that's probably, like 789 00:38:01,239 --> 00:38:03,160 Speaker 1: I said, the biggest mistake. I mean, I just cleaned 790 00:38:03,160 --> 00:38:04,759 Speaker 1: out my closet because since we're moving on like a 791 00:38:04,760 --> 00:38:07,600 Speaker 1: month moving into our new house, I cleaned up my closet. Mandy, 792 00:38:07,640 --> 00:38:10,960 Speaker 1: I can't tell you. There were thousands of business cards 793 00:38:11,040 --> 00:38:14,000 Speaker 1: flyers that never got passed out, and I'm like, oh 794 00:38:14,000 --> 00:38:16,360 Speaker 1: my gosh, with like my old phone number on them, 795 00:38:16,400 --> 00:38:19,840 Speaker 1: old website, and that thought how much money. There's probably 796 00:38:20,520 --> 00:38:22,960 Speaker 1: hundreds and hundreds and hundreds of dollars worth of things 797 00:38:23,239 --> 00:38:25,399 Speaker 1: that could have been used to grow my business when 798 00:38:25,400 --> 00:38:27,600 Speaker 1: I first started, but I invested in things that looked 799 00:38:27,640 --> 00:38:29,840 Speaker 1: like a business. But we're not a business. 800 00:38:30,000 --> 00:38:32,680 Speaker 2: Don't cut your day job just yet. Keep that job 801 00:38:32,719 --> 00:38:33,359 Speaker 2: a little bit longer. 802 00:38:33,400 --> 00:38:37,000 Speaker 1: I feel like, yeah, have your exit plant. How much 803 00:38:37,000 --> 00:38:40,200 Speaker 1: money do you need? What's your baseline? Your baseline, Well, 804 00:38:40,200 --> 00:38:42,120 Speaker 1: this is what I call my baseline is like without 805 00:38:42,160 --> 00:38:44,480 Speaker 1: the bells and whistles, how much money do you need 806 00:38:44,520 --> 00:38:47,600 Speaker 1: monthly to support your life? And if you can get 807 00:38:47,640 --> 00:38:51,480 Speaker 1: up to six months, if not longer. So you want 808 00:38:51,520 --> 00:38:53,919 Speaker 1: your baseline about six months if you're able to save 809 00:38:53,960 --> 00:38:56,440 Speaker 1: that much, and then you have to consider what I 810 00:38:56,480 --> 00:38:58,640 Speaker 1: call a waitressing job. I was just telling my sister 811 00:38:59,560 --> 00:39:02,600 Speaker 1: this because she doesn't like her job and she's ready 812 00:39:02,600 --> 00:39:05,480 Speaker 1: to take the leap, and I said, if you reduce 813 00:39:05,480 --> 00:39:09,239 Speaker 1: your reduce your your living expenses and you find a 814 00:39:09,320 --> 00:39:14,160 Speaker 1: less expensive place, then you can your baseline will lower, 815 00:39:14,480 --> 00:39:17,040 Speaker 1: so the money you have saved will last longer, and 816 00:39:17,080 --> 00:39:20,000 Speaker 1: then you could get a waitressing job, which I just 817 00:39:20,120 --> 00:39:24,040 Speaker 1: call that like a job that is a low lift 818 00:39:24,200 --> 00:39:28,600 Speaker 1: mentally and it's flexible with hours. So like she's wanting 819 00:39:29,320 --> 00:39:33,080 Speaker 1: to enter into like into a specific kind of like 820 00:39:33,239 --> 00:39:36,480 Speaker 1: career and it needs her to be available at a 821 00:39:36,480 --> 00:39:39,719 Speaker 1: moment's notice. So she needs a job that it's not 822 00:39:39,760 --> 00:39:41,239 Speaker 1: going to take up a lot of space in her brain. 823 00:39:41,320 --> 00:39:43,200 Speaker 1: She can kind of just do it. But also she 824 00:39:43,239 --> 00:39:44,960 Speaker 1: can just be like, oh, I can't come in on Thursday. 825 00:39:45,000 --> 00:39:47,600 Speaker 1: Can I come in on Friday instead? And so it's 826 00:39:47,640 --> 00:39:51,000 Speaker 1: okay to have like a little side job that can 827 00:39:51,080 --> 00:39:55,279 Speaker 1: pay your baseline because now you're living way cheaper, but 828 00:39:55,600 --> 00:39:57,799 Speaker 1: will allow you to pursue your dream. So it's not 829 00:39:57,840 --> 00:40:00,719 Speaker 1: taking up too much of your time, not taking up 830 00:40:00,880 --> 00:40:03,719 Speaker 1: too much of your of your of your mental and 831 00:40:03,800 --> 00:40:07,000 Speaker 1: emotional space. And so consider those two things. And I 832 00:40:07,000 --> 00:40:08,919 Speaker 1: don't care how grown you are. It's okay to say, 833 00:40:09,040 --> 00:40:10,759 Speaker 1: can I move back home with my parents? Can I 834 00:40:10,800 --> 00:40:13,040 Speaker 1: move with my best friend or my sister or whatever 835 00:40:13,360 --> 00:40:16,000 Speaker 1: in order to pursue this, because you're you're gonna need 836 00:40:16,760 --> 00:40:20,839 Speaker 1: You're going to need to reduce your personal spending if 837 00:40:20,880 --> 00:40:24,680 Speaker 1: you're going to have the leeway. What is that? The runway? 838 00:40:24,840 --> 00:40:26,879 Speaker 1: Is that? What the is that what it's called? When 839 00:40:26,880 --> 00:40:28,680 Speaker 1: you know, like with the plane before it takes off 840 00:40:28,560 --> 00:40:32,120 Speaker 1: that they have to like go down taxing. Yeah, well 841 00:40:32,360 --> 00:40:35,279 Speaker 1: you know that that is the runway, right? Yeah? So yeah, 842 00:40:35,360 --> 00:40:38,600 Speaker 1: so the plenty of runway and before they take off. 843 00:40:38,880 --> 00:40:41,640 Speaker 1: If the runway is too short, a plane cannot take 844 00:40:41,680 --> 00:40:43,480 Speaker 1: off and you're not gonna be able to take off 845 00:40:43,520 --> 00:40:46,640 Speaker 1: unless you have a long enough runway and your runway 846 00:40:46,800 --> 00:40:49,680 Speaker 1: is fund to support you while you're waiting for your 847 00:40:49,719 --> 00:40:50,760 Speaker 1: business to make you money. 848 00:40:50,840 --> 00:40:53,920 Speaker 2: You're literally the Confucius of business strategy. Like you're like 849 00:40:54,520 --> 00:40:57,800 Speaker 2: amazing analogy after amazing analogy. You guys writing this doll 850 00:40:57,840 --> 00:40:58,920 Speaker 2: making a T shirt for us? 851 00:40:58,960 --> 00:41:02,520 Speaker 1: Please at the Africa. It in me Honestly, my dad, 852 00:41:02,560 --> 00:41:04,239 Speaker 1: I just like daddy can go outside and play and 853 00:41:04,280 --> 00:41:08,320 Speaker 1: he'll be like, well, one day there was an ant walking. 854 00:41:08,360 --> 00:41:12,080 Speaker 1: I'm like, wait, so is that a yes? I should 855 00:41:12,160 --> 00:41:14,600 Speaker 1: I should have like the African Playbook for starting a business. 856 00:41:15,000 --> 00:41:16,920 Speaker 2: Oh my god, listen, I'm gonna edit this out so 857 00:41:17,000 --> 00:41:21,239 Speaker 2: no one takes your idea. Yes, go run Well, thank you. 858 00:41:21,280 --> 00:41:23,279 Speaker 2: I feel like I just got school too, Jessica, thanks 859 00:41:23,280 --> 00:41:25,759 Speaker 2: for your question. If you guys have questions again, hit 860 00:41:25,800 --> 00:41:43,880 Speaker 2: us up at Briananbission podcast dot com. 861 00:41:43,960 --> 00:41:46,920 Speaker 1: And it's time for a boost, a breaking, a booster 862 00:41:46,920 --> 00:41:50,520 Speaker 1: and a break in, a boost and a break. Are 863 00:41:50,520 --> 00:41:52,200 Speaker 1: you gonna boost or are you going to break. 864 00:41:52,440 --> 00:41:54,399 Speaker 2: I mean, I can't do Michelle Obama for a second 865 00:41:54,440 --> 00:41:56,400 Speaker 2: week in a row, can I? Even though it's like 866 00:41:56,400 --> 00:42:00,239 Speaker 2: for something different, you could do it. I literally spent 867 00:42:00,400 --> 00:42:03,239 Speaker 2: like two hours just watching every interview she's given because 868 00:42:03,239 --> 00:42:05,000 Speaker 2: I love that she's on them. She's out there again. 869 00:42:05,080 --> 00:42:07,239 Speaker 2: She's like doing her book tour, she's being interviewed, She's 870 00:42:07,320 --> 00:42:10,880 Speaker 2: dropping gems everywhere she goes, every appearance more gems. So 871 00:42:10,920 --> 00:42:13,359 Speaker 2: she was doing her first of all, I haven't seen 872 00:42:13,440 --> 00:42:15,920 Speaker 2: her live because those tickets are way too damn expensive. 873 00:42:15,960 --> 00:42:17,920 Speaker 2: I'm gonna go ahead and say it. I will just 874 00:42:18,040 --> 00:42:21,040 Speaker 2: you know, read my huff Post summary afterward. But she 875 00:42:21,120 --> 00:42:23,000 Speaker 2: was at Barclays Center last night in New York and 876 00:42:23,040 --> 00:42:26,239 Speaker 2: she called out the whole lean in philosophy. I put 877 00:42:26,280 --> 00:42:32,320 Speaker 2: the quote on Instagram basically saying that sometimes in life, 878 00:42:32,360 --> 00:42:35,560 Speaker 2: the whole lean in philosophy doesn't work, or in her words, 879 00:42:35,680 --> 00:42:36,920 Speaker 2: that shit don't always work. 880 00:42:37,360 --> 00:42:38,080 Speaker 1: Well. Job. 881 00:42:38,360 --> 00:42:41,640 Speaker 2: Yeah, I just I feel like we just all need 882 00:42:41,640 --> 00:42:44,719 Speaker 2: to hear from Michelle more often. So another plea for 883 00:42:44,800 --> 00:42:47,279 Speaker 2: you guys to go read her book or just read 884 00:42:47,280 --> 00:42:51,120 Speaker 2: her watch her interview. She's been amazing. But I won't, 885 00:42:51,160 --> 00:42:53,440 Speaker 2: you know, cheat and make that my boost again entirely. 886 00:42:53,480 --> 00:42:55,680 Speaker 2: I have another boost. I'm going to do a quick 887 00:42:55,680 --> 00:42:58,799 Speaker 2: shout out for one of the task management tools that 888 00:42:58,840 --> 00:43:01,640 Speaker 2: we use maybe too much at my office here. It's 889 00:43:01,680 --> 00:43:04,000 Speaker 2: called Trello. 890 00:43:04,160 --> 00:43:07,279 Speaker 1: I i'men looking for a new task management and I 891 00:43:07,280 --> 00:43:07,960 Speaker 1: heard about Trelo. 892 00:43:08,280 --> 00:43:12,799 Speaker 2: Do tael Trello is great. It's a productivity tool and 893 00:43:12,840 --> 00:43:15,040 Speaker 2: it's a task management tool where if you're a group 894 00:43:15,080 --> 00:43:18,360 Speaker 2: collaborating on a bunch of the same task or the 895 00:43:18,360 --> 00:43:21,120 Speaker 2: same assignment or the same project, it's excellent. You can 896 00:43:21,120 --> 00:43:24,480 Speaker 2: tag people, you can create different stages, different lists. You 897 00:43:24,520 --> 00:43:28,360 Speaker 2: can move they call them boards where you keep everything organized, 898 00:43:28,400 --> 00:43:31,480 Speaker 2: and you can move things from the HR board to 899 00:43:31,680 --> 00:43:34,960 Speaker 2: the financial board to the attorney's board. I don't know, 900 00:43:34,960 --> 00:43:38,360 Speaker 2: I'm making stuff up. It's really fantastic and we've we've 901 00:43:38,440 --> 00:43:40,520 Speaker 2: we use it for a team of about fifty people 902 00:43:40,600 --> 00:43:44,000 Speaker 2: or more at my office. It's been cool. It's been 903 00:43:44,480 --> 00:43:47,920 Speaker 2: super useful. So if you're looking for something in your life, 904 00:43:48,280 --> 00:43:50,880 Speaker 2: I think I've talked to someone who uses it for 905 00:43:51,000 --> 00:43:53,800 Speaker 2: planning her family's vacation, So it's not just for business. 906 00:43:54,400 --> 00:43:56,800 Speaker 2: This is my shameless plug for Trello. 907 00:43:58,520 --> 00:44:00,319 Speaker 1: It's so funny that you said that because we're using 908 00:44:00,360 --> 00:44:04,839 Speaker 1: this system called Zoho Projects, which Zoho Projects is like 909 00:44:05,880 --> 00:44:09,719 Speaker 1: using a machine gun to kill a mosquito. Okay, it 910 00:44:09,800 --> 00:44:13,759 Speaker 1: is so robust, Mandy, I mean it it actually makes 911 00:44:13,760 --> 00:44:18,160 Speaker 1: you it's it is so russ. It's inefficient, like it's 912 00:44:18,239 --> 00:44:22,160 Speaker 1: so granular and you have to do so much just 913 00:44:22,200 --> 00:44:24,520 Speaker 1: to get to like what you need to do that 914 00:44:24,719 --> 00:44:26,839 Speaker 1: like it's yeah, it is. I mean so I just 915 00:44:27,040 --> 00:44:29,640 Speaker 1: was telling my team today, like, yo, I know, I said, 916 00:44:29,640 --> 00:44:32,560 Speaker 1: I wanted all of these things, but this this is 917 00:44:32,800 --> 00:44:35,759 Speaker 1: sometimes paper and pencil is best. So we already use 918 00:44:35,840 --> 00:44:37,840 Speaker 1: Slack and we've been like struggling to find a project 919 00:44:37,840 --> 00:44:40,440 Speaker 1: management tool. The team's been amazing and that they get 920 00:44:40,440 --> 00:44:42,719 Speaker 1: their things done without it, but as we grow, it's 921 00:44:42,719 --> 00:44:45,680 Speaker 1: just not gonna be possible to just use Slack. And 922 00:44:45,719 --> 00:44:47,080 Speaker 1: for those of you who don't know, Slack. 923 00:44:46,960 --> 00:44:48,719 Speaker 2: Is like as aol. 924 00:44:49,080 --> 00:44:51,080 Speaker 1: Yeah, it's just a chat exactly. So we are having 925 00:44:51,080 --> 00:44:54,360 Speaker 1: a and we're using like Google Docs and it's just inefficient. 926 00:44:54,440 --> 00:44:57,200 Speaker 2: So you need Trello. There's a Google Doc attachment function, 927 00:44:57,400 --> 00:44:59,840 Speaker 2: you can link it all. You guys definitely need Trello. 928 00:45:00,080 --> 00:45:02,160 Speaker 2: But Trelo is like one of I think They're owned 929 00:45:02,160 --> 00:45:04,839 Speaker 2: by Jira, which is another kind of task management tool 930 00:45:04,880 --> 00:45:06,360 Speaker 2: that you hear about a lot j I R A. 931 00:45:07,040 --> 00:45:10,120 Speaker 2: And then we also use an app. We also use 932 00:45:10,160 --> 00:45:12,480 Speaker 2: a task management tool called good Day, like have a 933 00:45:12,520 --> 00:45:15,759 Speaker 2: good day with our team who works remote in a 934 00:45:15,760 --> 00:45:19,520 Speaker 2: different country. But Trello is probably my favorite. It's the 935 00:45:19,520 --> 00:45:23,600 Speaker 2: most simple to use, and I mean it definitely works 936 00:45:23,600 --> 00:45:26,000 Speaker 2: for us, and you can really customize it to work 937 00:45:26,000 --> 00:45:32,160 Speaker 2: for what you need. Hey, Trellollo, Hello, you're trying to advertise, how. 938 00:45:35,000 --> 00:45:35,200 Speaker 4: Well? 939 00:45:35,320 --> 00:45:37,720 Speaker 1: I am just going to do a nice little boost. 940 00:45:38,480 --> 00:45:42,399 Speaker 1: Just this past weekend, I was in Texas to do 941 00:45:42,520 --> 00:45:46,319 Speaker 1: this event called My City four Ways, And when I 942 00:45:46,360 --> 00:45:49,920 Speaker 1: went to Essence, that was part of this contest for 943 00:45:50,120 --> 00:45:56,640 Speaker 1: ten women entrepreneurs who presented and they pitched me their 944 00:45:56,840 --> 00:45:58,879 Speaker 1: content there like business kind of. 945 00:45:58,880 --> 00:46:02,719 Speaker 2: Like talked about that before, like the like their business pitch, 946 00:46:02,760 --> 00:46:04,520 Speaker 2: their elevator pitch exactly. 947 00:46:04,600 --> 00:46:07,839 Speaker 1: And so the the winner was to win a car, 948 00:46:07,960 --> 00:46:13,239 Speaker 1: a two year lease for a car. And so justice uh, Saturday, 949 00:46:13,920 --> 00:46:16,400 Speaker 1: when I was in Houston, this was kind of like 950 00:46:16,440 --> 00:46:20,960 Speaker 1: the end event and three of the finalists came to Houston, 951 00:46:21,200 --> 00:46:23,000 Speaker 1: and you know, it was just a really nice event. 952 00:46:23,040 --> 00:46:25,040 Speaker 1: It was just like a woman's kind of like empowerment event. 953 00:46:25,080 --> 00:46:27,000 Speaker 1: It was. It was. It was really cute, and a 954 00:46:27,000 --> 00:46:31,480 Speaker 1: lot of dreamcatchers in Houston came, hey, miss CNM. And 955 00:46:31,560 --> 00:46:35,000 Speaker 1: so the winner her name is Melissa Mitchell of a 956 00:46:35,080 --> 00:46:38,960 Speaker 1: Belle Creations, and I just love Melissa. She is so positive. 957 00:46:39,640 --> 00:46:42,480 Speaker 1: If you see her, so her artwork is so bold 958 00:46:43,000 --> 00:46:46,320 Speaker 1: and beautiful. She started off by making head wraps and 959 00:46:47,239 --> 00:46:50,000 Speaker 1: she well, she started off by painting and then making 960 00:46:50,320 --> 00:46:52,279 Speaker 1: head wraps, and if you just see her paintings, they're 961 00:46:52,320 --> 00:46:54,880 Speaker 1: just really bold and full of life and joy. And 962 00:46:54,920 --> 00:46:57,239 Speaker 1: so Melissa has been having an amazing year. So she's 963 00:46:57,239 --> 00:46:59,480 Speaker 1: an IT tech and if you were to see her, 964 00:46:59,520 --> 00:47:00,759 Speaker 1: you're like, there's no wit. This woman is an IT. 965 00:47:01,040 --> 00:47:05,600 Speaker 1: She looks like a like a walking like light of sunshine, 966 00:47:05,640 --> 00:47:05,920 Speaker 1: you know. 967 00:47:06,040 --> 00:47:08,480 Speaker 2: Like, hey, I know a lot of nice IT people. 968 00:47:09,640 --> 00:47:12,319 Speaker 1: No, but meaning like she's just so everything she rech 969 00:47:12,480 --> 00:47:14,080 Speaker 1: is just so bright. I just can't see her sitting 970 00:47:14,120 --> 00:47:18,279 Speaker 1: behind a computer. So yeah, so she's she's amazing. So 971 00:47:18,800 --> 00:47:21,239 Speaker 1: her pitch was awesome, her people voted for her, and 972 00:47:21,280 --> 00:47:23,520 Speaker 1: she ended up winning. She was crying. I just it 973 00:47:23,640 --> 00:47:26,279 Speaker 1: just was such an awesome event, and I just want 974 00:47:26,280 --> 00:47:29,920 Speaker 1: to recognize Melissa because she is a So this is 975 00:47:29,920 --> 00:47:31,319 Speaker 1: for who was it who was a young woman that 976 00:47:31,320 --> 00:47:33,719 Speaker 1: wrote about starting her business while she was working. Her 977 00:47:33,800 --> 00:47:37,680 Speaker 1: name's Jessica, So Jessica Melissa still works in it, so 978 00:47:37,719 --> 00:47:40,080 Speaker 1: she still has her even though she's been doing well. 979 00:47:41,000 --> 00:47:44,719 Speaker 1: She she actually Spanks had a contest about who was 980 00:47:44,719 --> 00:47:47,759 Speaker 1: going to like be their new print on whatever new 981 00:47:47,840 --> 00:47:50,279 Speaker 1: Spanks theory coming out was. She won that earlier this year. 982 00:47:51,160 --> 00:47:54,640 Speaker 1: She also won something else. I mean she's been having 983 00:47:54,640 --> 00:47:59,520 Speaker 1: Oh Macy's. She partnered with a woman who like mixed 984 00:47:59,520 --> 00:48:01,920 Speaker 1: clothing and her prints were on the clothing and they 985 00:48:01,960 --> 00:48:05,280 Speaker 1: sold out at Macy's. She's just been having an amazing 986 00:48:05,320 --> 00:48:09,239 Speaker 1: and amazing year. Despite that though she said that you know, 987 00:48:09,320 --> 00:48:11,719 Speaker 1: she kept her job. She's just now at a point 988 00:48:11,719 --> 00:48:16,600 Speaker 1: where her her side business, her A Belle Creations, has 989 00:48:16,719 --> 00:48:18,680 Speaker 1: it's making and it's a bell for those who want 990 00:48:18,719 --> 00:48:22,320 Speaker 1: to follow her A B E I L L E 991 00:48:22,520 --> 00:48:24,200 Speaker 1: A Bell Creations and so. 992 00:48:24,239 --> 00:48:25,880 Speaker 2: Like b and spend in French. 993 00:48:26,440 --> 00:48:31,000 Speaker 1: Yes and so she she she said, like her business 994 00:48:31,080 --> 00:48:32,880 Speaker 1: is now making as much as her regular job. But 995 00:48:32,920 --> 00:48:35,600 Speaker 1: she wanted to put herself on a strong financial space 996 00:48:35,760 --> 00:48:38,279 Speaker 1: before she took the leap, and so that's some If 997 00:48:38,280 --> 00:48:40,600 Speaker 1: you have the opportunity to do that, that's another option. 998 00:48:41,000 --> 00:48:42,399 Speaker 1: But yeah, just I just want to give a shout 999 00:48:42,400 --> 00:48:44,600 Speaker 1: out to Melissa because she was just awesome. She was 1000 00:48:44,640 --> 00:48:48,200 Speaker 1: so appreciative and she was just crying and and and 1001 00:48:48,280 --> 00:48:49,960 Speaker 1: she said, it's just so funny because someone hit her 1002 00:48:49,960 --> 00:48:52,360 Speaker 1: card the other day and knocked off the window the 1003 00:48:52,440 --> 00:48:55,080 Speaker 1: sideview mirror. She was like, a sister could use this car. 1004 00:48:57,960 --> 00:49:00,000 Speaker 1: So yeah, that was my that was my brown beast 1005 00:49:00,200 --> 00:49:00,880 Speaker 1: to Melissa. 1006 00:49:01,040 --> 00:49:03,240 Speaker 2: Oh shoot me like gonna put her in the show notes? 1007 00:49:03,560 --> 00:49:08,160 Speaker 1: Okay, I will? Will you though, well, you know what, 1008 00:49:08,239 --> 00:49:09,840 Speaker 1: this is what I'm gonna do. I'm actually gonna. 1009 00:49:09,600 --> 00:49:12,319 Speaker 2: Send it because I feel like I end the show 1010 00:49:12,400 --> 00:49:15,560 Speaker 2: like that sometimes and I don't get anything, you. 1011 00:49:15,480 --> 00:49:18,520 Speaker 1: Know what my I mean, I have the word. I 1012 00:49:18,560 --> 00:49:20,960 Speaker 1: don't know. I would think that I have me Why 1013 00:49:20,960 --> 00:49:22,560 Speaker 1: I can't evemember the name of her? What's that thing 1014 00:49:22,560 --> 00:49:23,719 Speaker 1: when you have dementia? Is that what. 1015 00:49:23,840 --> 00:49:27,600 Speaker 2: Cymer's don't make fun of dementia. That's a serious illness tip. 1016 00:49:28,080 --> 00:49:30,560 Speaker 1: No, No, I would think that I would have like 1017 00:49:30,640 --> 00:49:33,000 Speaker 1: but I've when I say I have always been like this, 1018 00:49:34,120 --> 00:49:38,120 Speaker 1: I have always had a terrible memory. It's not. It's 1019 00:49:38,120 --> 00:49:39,960 Speaker 1: not gotten worse. It's just been the same. 1020 00:49:40,239 --> 00:49:43,959 Speaker 2: I just love how cheery you're like, uh huh, sure will. 1021 00:49:46,400 --> 00:49:49,080 Speaker 1: I just like it. So I've just learned to like 1022 00:49:49,440 --> 00:49:51,799 Speaker 1: navigate around it. One thing I've learned because I used 1023 00:49:51,840 --> 00:49:54,560 Speaker 1: to really go ham with people who are like no 1024 00:49:54,680 --> 00:49:56,920 Speaker 1: to me, you did say, and I'm like, that's not true. 1025 00:49:57,360 --> 00:50:00,520 Speaker 1: And now when someone says that I did say or 1026 00:50:00,560 --> 00:50:02,480 Speaker 1: I promise or I said, I'm like, you know what, 1027 00:50:02,560 --> 00:50:04,440 Speaker 1: it's likely, So my bad. 1028 00:50:05,320 --> 00:50:09,840 Speaker 2: Magic apall, it is likely. I'm just teasing you. I 1029 00:50:09,880 --> 00:50:11,480 Speaker 2: love you, even with your forgetfulness. 1030 00:50:12,600 --> 00:50:16,280 Speaker 1: Thank you. I just sent it to you on IG 1031 00:50:16,960 --> 00:50:18,880 Speaker 1: so that way you have it. See. 1032 00:50:19,160 --> 00:50:19,720 Speaker 2: Thanks man. 1033 00:50:21,120 --> 00:50:22,760 Speaker 1: Well that's awesome as per usual. 1034 00:50:24,040 --> 00:50:27,160 Speaker 2: Yeah, let you guys hit us up with your questions 1035 00:50:27,200 --> 00:50:30,800 Speaker 2: again at Brannambisson podcast dot com. What's happening the holidays 1036 00:50:30,800 --> 00:50:33,440 Speaker 2: are coming up? We talked about task management tools. If 1037 00:50:33,480 --> 00:50:36,279 Speaker 2: you guys have tools that you love, or you have 1038 00:50:36,400 --> 00:50:39,719 Speaker 2: fun holiday plans, or hell, you're stressed out about your 1039 00:50:39,719 --> 00:50:43,080 Speaker 2: holiday finances, let us know, hit us up in our inbox. 1040 00:50:43,760 --> 00:50:45,399 Speaker 1: Yeah. I know, we'd love to hear that because I'd 1041 00:50:45,400 --> 00:50:46,640 Speaker 1: like to see what you guys are up to are 1042 00:50:46,680 --> 00:50:49,680 Speaker 1: you exchanging Well, we'll leave on this. Are you exchanging gifts? 1043 00:50:50,000 --> 00:50:53,200 Speaker 1: I've seen the trend among the Dreamcatchers that there's significant 1044 00:50:53,200 --> 00:50:56,160 Speaker 1: others and themselves they're not exchanging gifts this year, that 1045 00:50:56,239 --> 00:51:00,000 Speaker 1: instead they're putting it toward either like a joint experience 1046 00:51:00,320 --> 00:51:03,799 Speaker 1: or maybe a home. So I'd love to know. Tweet us, 1047 00:51:04,200 --> 00:51:07,200 Speaker 1: send us a message on an install or Facebook. Are 1048 00:51:07,200 --> 00:51:09,160 Speaker 1: you going to exchange gifts this year? And if not, 1049 00:51:09,600 --> 00:51:12,520 Speaker 1: what are you going to do instead? With your moulah? 1050 00:51:12,600 --> 00:51:16,440 Speaker 2: Yeah, I'm just ignoring my husband's gift requests. He thinks 1051 00:51:16,440 --> 00:51:17,680 Speaker 2: for doing gifts, but we're not. 1052 00:51:18,360 --> 00:51:20,239 Speaker 1: I mean, you guys bought the house you just renovated. 1053 00:51:20,880 --> 00:51:23,200 Speaker 2: Am I right? Tell him that. He's like, can I 1054 00:51:23,239 --> 00:51:25,640 Speaker 2: have this four hundred dollars toolkit? I'm like, cool, keep 1055 00:51:25,640 --> 00:51:27,400 Speaker 2: sending me links. You're not getting this. 1056 00:51:27,239 --> 00:51:28,040 Speaker 1: This is insane. 1057 00:51:29,960 --> 00:51:32,560 Speaker 2: Yeah, all right, cool. We'll have a good week. See 1058 00:51:32,560 --> 00:51:47,120 Speaker 2: you guys next Wednesday.