1 00:00:06,400 --> 00:00:10,840 Speaker 1: Hey, hey, hey, ooh got that. 2 00:00:11,800 --> 00:00:12,080 Speaker 2: You know. 3 00:00:13,600 --> 00:00:14,440 Speaker 1: We're back. 4 00:00:15,520 --> 00:00:29,640 Speaker 2: We're black, we'd brawn, ambition, ambition, Wow, dressed like Destiny's child, 5 00:00:30,080 --> 00:00:32,680 Speaker 2: throw back clips, Mama Tina's always. 6 00:00:32,560 --> 00:00:35,839 Speaker 1: Instead of We're Dusty, get it? Instead of Destiny Dusty 7 00:00:35,880 --> 00:00:37,400 Speaker 1: shop just a little dusty. 8 00:00:37,520 --> 00:00:41,000 Speaker 2: Just a little junkier. Yes, Oh that's all good. It's 9 00:00:41,040 --> 00:00:43,680 Speaker 2: been so long I haven't been in a single mood 10 00:00:43,680 --> 00:00:49,480 Speaker 2: without your babes. I'm glad to be back ish back ish, Yes, 11 00:00:49,760 --> 00:00:52,200 Speaker 2: I love that, giving yourself free to define it however 12 00:00:52,240 --> 00:00:55,360 Speaker 2: the hell you want. I'm exhausted from Mother's Day. I 13 00:00:55,400 --> 00:00:56,120 Speaker 2: have to be honest. 14 00:00:56,880 --> 00:00:59,560 Speaker 1: Did the baby make you anything? In school? 15 00:01:00,280 --> 00:01:02,360 Speaker 2: It's a lot of freaking work to have to be 16 00:01:02,440 --> 00:01:04,840 Speaker 2: a mom on Mother's Day. And every mom that I've 17 00:01:04,880 --> 00:01:07,200 Speaker 2: run into since yesterday we just all look at each 18 00:01:07,200 --> 00:01:09,880 Speaker 2: other like you're out here too. You don't want to 19 00:01:09,880 --> 00:01:12,520 Speaker 2: be yep. You just want to take a nap, don't you. 20 00:01:12,800 --> 00:01:13,080 Speaker 1: Yep. 21 00:01:13,160 --> 00:01:15,600 Speaker 2: But they keep making us do things, the brunches, and 22 00:01:17,520 --> 00:01:20,240 Speaker 2: it's great. You know, Rio made me his first little 23 00:01:20,280 --> 00:01:22,040 Speaker 2: he's big enough now he can actually, like, you know, 24 00:01:22,280 --> 00:01:25,000 Speaker 2: sign a card while he scribbles. But yeah, and he 25 00:01:25,480 --> 00:01:28,039 Speaker 2: made They made the kids did little wind chimes for 26 00:01:28,120 --> 00:01:31,600 Speaker 2: us at take care. So it's so so proud of himself. 27 00:01:31,640 --> 00:01:34,120 Speaker 2: When he walked in and gave it to me, it 28 00:01:34,160 --> 00:01:34,840 Speaker 2: was adorable. 29 00:01:34,880 --> 00:01:36,680 Speaker 1: But I gotta keep it forever and ever and ever. 30 00:01:37,560 --> 00:01:40,360 Speaker 2: I will because it's his full little wind chime. It's 31 00:01:40,400 --> 00:01:42,160 Speaker 2: not like I don't know an ashtray. That's what I 32 00:01:42,240 --> 00:01:44,319 Speaker 2: used to make my mom's. But oh my god, that's 33 00:01:44,319 --> 00:01:45,160 Speaker 2: not cool anymore. 34 00:01:46,280 --> 00:01:48,480 Speaker 1: Let me think about the times, right, Oh my god. 35 00:01:48,600 --> 00:01:53,160 Speaker 1: It's like my sister Carol, like her her son Roman 36 00:01:53,240 --> 00:01:55,800 Speaker 1: made her some little like I don't know, I don't 37 00:01:55,840 --> 00:01:58,280 Speaker 1: I don't know if it was a flower vase or 38 00:01:58,320 --> 00:01:59,880 Speaker 1: like whatever, but they had like his picture on it, 39 00:02:00,520 --> 00:02:03,240 Speaker 1: and he told her like if she didn't right, he 40 00:02:03,320 --> 00:02:04,120 Speaker 1: was gonna take it back. 41 00:02:05,800 --> 00:02:08,320 Speaker 2: Of course he would say that. So now me, there 42 00:02:08,400 --> 00:02:10,480 Speaker 2: is a did you check the terms and conditions of this? 43 00:02:10,720 --> 00:02:13,000 Speaker 2: I mean the behavior clause? 44 00:02:13,440 --> 00:02:14,959 Speaker 1: I mean I couldn't believe it. She was like, you 45 00:02:15,000 --> 00:02:16,600 Speaker 1: can't take it back? He said, I can't, and I will. 46 00:02:16,960 --> 00:02:19,280 Speaker 1: And then Amelia created a chart where it's like she 47 00:02:19,400 --> 00:02:21,959 Speaker 1: found that they have this behavior chart for her where 48 00:02:22,080 --> 00:02:25,160 Speaker 1: literally it's just chart, mommy chart, and every day because 49 00:02:25,200 --> 00:02:26,720 Speaker 1: like in school. I guess they have a little box. 50 00:02:26,720 --> 00:02:28,359 Speaker 1: If you behave you get a check. If you don't, 51 00:02:28,400 --> 00:02:30,400 Speaker 1: you get an X. So apparently they got a running 52 00:02:30,440 --> 00:02:32,560 Speaker 1: chart for her in their room. Can you imagine judging 53 00:02:32,560 --> 00:02:32,919 Speaker 1: her mom? 54 00:02:35,480 --> 00:02:39,240 Speaker 2: Yeah, actually I can't imagine it. The people. She's lost control, 55 00:02:39,280 --> 00:02:39,600 Speaker 2: that's what. 56 00:02:39,800 --> 00:02:40,320 Speaker 1: Yes, it is. 57 00:02:40,480 --> 00:02:42,600 Speaker 2: They literally she lost control. 58 00:02:43,320 --> 00:02:45,760 Speaker 1: The calls coming in from inside the house. She took it. 59 00:02:45,840 --> 00:02:47,160 Speaker 1: She put in our group chat. She was like, look 60 00:02:47,160 --> 00:02:49,800 Speaker 1: at these dag on kids check deciding if I was 61 00:02:49,840 --> 00:02:51,440 Speaker 1: good today. 62 00:02:52,480 --> 00:02:55,800 Speaker 2: We do that ourselves in our own minds. We don't 63 00:02:55,800 --> 00:02:58,760 Speaker 2: need the kids to criticize us. We're already bad. Yeah, 64 00:02:58,800 --> 00:03:01,960 Speaker 2: it was a que did cook for me. Husband did cook, 65 00:03:02,000 --> 00:03:04,400 Speaker 2: but in order for him to have all of the hours, 66 00:03:04,400 --> 00:03:07,120 Speaker 2: he needed to do things like shop and cook a 67 00:03:07,200 --> 00:03:10,520 Speaker 2: meal as like babysitter. Didn't you didn't think about that? Nope? Okay, 68 00:03:10,560 --> 00:03:13,040 Speaker 2: I'm just gonna be sitting here and it's raining cats 69 00:03:13,040 --> 00:03:15,600 Speaker 2: and dogs. So I was really stuck indoors with my 70 00:03:15,680 --> 00:03:19,280 Speaker 2: wild child. But it was lovely. Long story short though, 71 00:03:19,280 --> 00:03:21,919 Speaker 2: I booked a massage for myself tomorrow so we all 72 00:03:21,960 --> 00:03:25,120 Speaker 2: make Tuesday, when everyone's at daycare and work and out 73 00:03:25,160 --> 00:03:28,200 Speaker 2: of my damn way, we're making Tuesday Mother's Day. 74 00:03:28,360 --> 00:03:30,560 Speaker 1: Okay, we gonna be our It's like, no, you have 75 00:03:30,600 --> 00:03:34,560 Speaker 1: to create space and time. I was on my neighbor 76 00:03:34,560 --> 00:03:37,920 Speaker 1: and next door I was like, I've been looking to purchase, 77 00:03:38,000 --> 00:03:41,960 Speaker 1: like you know, like another home or whatever. And my 78 00:03:41,960 --> 00:03:44,080 Speaker 1: neighbor next door looks like he was like gearing up 79 00:03:44,120 --> 00:03:47,120 Speaker 1: to move. And then a friend of mine told me, girl, like, 80 00:03:47,280 --> 00:03:49,160 Speaker 1: you know how there's like financial stuff that happens in 81 00:03:49,160 --> 00:03:51,480 Speaker 1: the news, but then it's like it hits home. So 82 00:03:52,160 --> 00:03:54,200 Speaker 1: she was supposed to buy a house around the corner. 83 00:03:55,200 --> 00:03:57,400 Speaker 1: House is really beautiful. It's really hard to get into 84 00:03:57,400 --> 00:03:59,840 Speaker 1: this neighborhood. She found it. She had a great interest 85 00:04:00,160 --> 00:04:02,720 Speaker 1: that she locked in for three percent, which is awesome 86 00:04:03,120 --> 00:04:07,320 Speaker 1: historical lows we all know. But the problem is is 87 00:04:07,400 --> 00:04:11,480 Speaker 1: that the seller's agent was slow. And if you don't 88 00:04:11,520 --> 00:04:14,800 Speaker 1: know anything about interest rates is typically the bank will 89 00:04:14,840 --> 00:04:17,599 Speaker 1: give you a specific number of days, you know, sometimes 90 00:04:17,640 --> 00:04:22,080 Speaker 1: it's thirty days or whatever to secure like whatever, basically 91 00:04:22,080 --> 00:04:24,359 Speaker 1: to get all your stuff together. So she had done 92 00:04:24,960 --> 00:04:27,000 Speaker 1: all of her stuff and gotten all her stuff together, 93 00:04:27,040 --> 00:04:29,440 Speaker 1: and the seller's agent, so that means the people that 94 00:04:29,480 --> 00:04:32,520 Speaker 1: represent the people who are selling the house were supposed 95 00:04:32,560 --> 00:04:37,160 Speaker 1: to get their stuff together, and they did not the agent. 96 00:04:37,440 --> 00:04:41,000 Speaker 2: So the ratelock expired, yes, and she. 97 00:04:41,000 --> 00:04:44,159 Speaker 1: Went from three percent to six percent, and now she 98 00:04:44,200 --> 00:04:45,400 Speaker 1: can't afford the house. 99 00:04:46,360 --> 00:04:49,000 Speaker 2: Rates at three percent, like that was a couple months ago, 100 00:04:49,040 --> 00:04:51,960 Speaker 2: like rates took gone back up. Now that's the raising. 101 00:04:51,720 --> 00:04:56,320 Speaker 1: Rates, I know. So you know she is livid. Now 102 00:04:56,360 --> 00:04:59,400 Speaker 1: here's the thing, you know, Like folks don't really understand 103 00:04:59,400 --> 00:05:02,320 Speaker 1: that sometimes, Like so if your rate goes up, it 104 00:05:02,400 --> 00:05:06,520 Speaker 1: makes the price of the house, not necessarily go up, 105 00:05:06,720 --> 00:05:09,920 Speaker 1: but it certainly makes the monthly ay, monthly payment go up. 106 00:05:10,000 --> 00:05:11,280 Speaker 1: So now all of a sudden, who someone who could 107 00:05:11,320 --> 00:05:14,720 Speaker 1: afford this five hundred thousand dollars home can only afford 108 00:05:14,760 --> 00:05:16,719 Speaker 1: a four hundred and fifty thousand dollars home because they 109 00:05:16,760 --> 00:05:19,440 Speaker 1: can't afford the monthly payments of the five hundred thousand 110 00:05:19,440 --> 00:05:22,440 Speaker 1: dollars home unless the interest rate was super low. And 111 00:05:22,480 --> 00:05:24,720 Speaker 1: so now you're gonna have homes that it's like some 112 00:05:24,760 --> 00:05:26,760 Speaker 1: of these homes are gonna have to adjust their prices 113 00:05:27,240 --> 00:05:30,279 Speaker 1: just because people who could afford them, you know, with 114 00:05:30,360 --> 00:05:31,840 Speaker 1: the lower interest rate, are not gonna be able to 115 00:05:31,880 --> 00:05:34,560 Speaker 1: afford them now. So it's like, yikes, tell me we're 116 00:05:34,560 --> 00:05:36,360 Speaker 1: headed for a recession. Without telling me we were heading for 117 00:05:36,400 --> 00:05:37,400 Speaker 1: a recession. 118 00:05:37,040 --> 00:05:40,160 Speaker 2: Child, I know's that's the whispers out there, and then 119 00:05:40,200 --> 00:05:43,160 Speaker 2: the stock market. You know, I'm usually pretty good. This 120 00:05:43,200 --> 00:05:44,920 Speaker 2: is not our first rodeo. How long you've been doing 121 00:05:44,920 --> 00:05:47,359 Speaker 2: this show? Seven years now? How many different stock market 122 00:05:47,400 --> 00:05:50,040 Speaker 2: dips have we come and said to y'all, calm down, 123 00:05:50,240 --> 00:05:53,440 Speaker 2: is gonna be all right? Don't look ooh. I was 124 00:05:53,520 --> 00:05:56,200 Speaker 2: like this last night looking at my four one not 125 00:05:56,279 --> 00:05:58,280 Speaker 2: my four to one K, but my well, you know, 126 00:05:58,360 --> 00:06:00,480 Speaker 2: my four to one k's that I'm now consolidate into 127 00:06:00,520 --> 00:06:04,159 Speaker 2: my you know, my one central brokerage account. And I'm 128 00:06:04,839 --> 00:06:07,080 Speaker 2: here's the thing, you know, on your brokerage account, you 129 00:06:07,080 --> 00:06:11,039 Speaker 2: can view the returns from like year to date, one 130 00:06:11,120 --> 00:06:13,400 Speaker 2: year ago, five years. I like to start with a 131 00:06:13,480 --> 00:06:17,120 Speaker 2: ten year Outlook, how has this performed over ten years? 132 00:06:17,520 --> 00:06:19,280 Speaker 2: And I was like, oh, you know, it's up. I 133 00:06:19,279 --> 00:06:22,000 Speaker 2: don't I forget what the double digits you know? Up? Okay, 134 00:06:23,040 --> 00:06:24,760 Speaker 2: But yeah, if you look to how I've been doing 135 00:06:24,800 --> 00:06:28,039 Speaker 2: since January eight, ain't a pretty picture. I lost. Yeah, 136 00:06:28,240 --> 00:06:31,400 Speaker 2: it was down negative, negative, negative, But let's talk about 137 00:06:31,480 --> 00:06:36,560 Speaker 2: why and what's going on it seems like a million 138 00:06:37,040 --> 00:06:40,360 Speaker 2: different things. One, the FED is raising interest rates, yes, 139 00:06:40,839 --> 00:06:44,440 Speaker 2: and businesses aka those things that make up the stock 140 00:06:44,480 --> 00:06:50,720 Speaker 2: market don't love higher borrowing costs. In general, inflation is 141 00:06:50,760 --> 00:06:54,640 Speaker 2: still krai krak, like insanely crazy. 142 00:06:54,760 --> 00:06:56,719 Speaker 1: Right, it's looking like ninety eighty Some of y'all wasn't 143 00:06:56,720 --> 00:06:57,240 Speaker 1: even born then. 144 00:06:57,920 --> 00:06:59,919 Speaker 2: Yeah, I'm about to google it right now? What is 145 00:07:00,040 --> 00:07:02,640 Speaker 2: inflation rate? What's it been like? Eight percent? It's forty years. 146 00:07:02,680 --> 00:07:03,920 Speaker 2: It hasn't been as high as it is. 147 00:07:04,080 --> 00:07:06,880 Speaker 1: I know, I'm forty two, so I was two years old. 148 00:07:06,880 --> 00:07:09,800 Speaker 1: We left experienced this craziness eight. 149 00:07:09,640 --> 00:07:10,600 Speaker 2: And a half percent. 150 00:07:11,680 --> 00:07:14,200 Speaker 1: I just checked high. You know, why did I Why 151 00:07:14,240 --> 00:07:16,520 Speaker 1: did that march? Why did many make me do this? 152 00:07:16,600 --> 00:07:21,720 Speaker 1: I just checked, like, don't For the last three months, 153 00:07:21,720 --> 00:07:26,120 Speaker 1: I'm down twenty three basically twenty four percent. Yo, that's cristy. 154 00:07:26,360 --> 00:07:28,160 Speaker 2: Quick quick, look at the ten year old look quick qick. 155 00:07:28,080 --> 00:07:29,960 Speaker 1: Okay, okay, for the all time of all time. Okay, 156 00:07:29,960 --> 00:07:32,640 Speaker 1: I've all come up fourteen percent of all time. See, 157 00:07:32,640 --> 00:07:33,720 Speaker 1: there we go, and. 158 00:07:33,920 --> 00:07:39,040 Speaker 2: The peddercatter anxiety starts to relay. Okay, yes, but I 159 00:07:39,120 --> 00:07:41,160 Speaker 2: really had to do that because it's stressful. It's like 160 00:07:41,160 --> 00:07:42,360 Speaker 2: should I be doing something different? 161 00:07:42,880 --> 00:07:45,600 Speaker 1: No, No, the truth, Well that's not true. Here's the thing. 162 00:07:45,960 --> 00:07:51,440 Speaker 1: Here's the thing. We started off Frans anyway, So that's 163 00:07:51,480 --> 00:07:59,480 Speaker 1: all right. So the thing is is that during the 164 00:07:59,560 --> 00:08:03,320 Speaker 1: last major recession two thousand and nine, and that's when 165 00:08:03,400 --> 00:08:05,320 Speaker 1: wealth was made for so many people. You hear people 166 00:08:05,320 --> 00:08:07,680 Speaker 1: say that over and over and over again, and then 167 00:08:07,720 --> 00:08:10,400 Speaker 1: we lose our minds every time. We have the opportunity 168 00:08:10,440 --> 00:08:13,760 Speaker 1: to grow wealth in this way. And the reason why 169 00:08:13,800 --> 00:08:16,000 Speaker 1: you have the opportunity to grow wealth in this way 170 00:08:16,440 --> 00:08:19,560 Speaker 1: is that there are things that are legitimately down, like 171 00:08:19,600 --> 00:08:22,160 Speaker 1: this is not a good company down, And there are 172 00:08:22,200 --> 00:08:25,080 Speaker 1: things that are down situationally like this is a good company, 173 00:08:25,080 --> 00:08:28,120 Speaker 1: but everybody down, so you down to So if you 174 00:08:28,200 --> 00:08:31,120 Speaker 1: have companies that you've been studying and you know this 175 00:08:31,240 --> 00:08:33,319 Speaker 1: is actually like a really good company, or maybe it's 176 00:08:33,320 --> 00:08:35,360 Speaker 1: just the market itself, because the market goes up and down, 177 00:08:35,400 --> 00:08:38,319 Speaker 1: up and down, that you might say, I'm going to 178 00:08:38,360 --> 00:08:41,400 Speaker 1: invest in like the overall market through an ETF, which 179 00:08:41,480 --> 00:08:44,720 Speaker 1: is like a group of stocks and bonds and other 180 00:08:44,880 --> 00:08:49,320 Speaker 1: financial instruments that you can purchase that mimics what the 181 00:08:49,360 --> 00:08:52,400 Speaker 1: market does. You know, this is not certainly not investment advice, 182 00:08:52,440 --> 00:08:55,199 Speaker 1: but I'm just saying in general that, like, you know, 183 00:08:55,520 --> 00:08:58,640 Speaker 1: when the market is down, it may present an opportunity 184 00:08:59,160 --> 00:09:02,600 Speaker 1: to stock up on things that are quote unquote on sale. 185 00:09:02,760 --> 00:09:04,760 Speaker 1: But remember, in order for something to be on sale, 186 00:09:04,920 --> 00:09:08,040 Speaker 1: it actually has to be the real value. It's really 187 00:09:08,080 --> 00:09:11,239 Speaker 1: worth the value. It just happens to be temporarily discounted. 188 00:09:11,280 --> 00:09:14,160 Speaker 1: That's the key to investing is finding things that are 189 00:09:14,200 --> 00:09:17,480 Speaker 1: temporarily discounted, stocking up when you're on sale, and when 190 00:09:17,520 --> 00:09:19,800 Speaker 1: they return the regular price, getting you behind on Etsy 191 00:09:19,840 --> 00:09:22,760 Speaker 1: and settle them for full price, y'all. That is what 192 00:09:23,200 --> 00:09:26,160 Speaker 1: So there's real opportunity here that yes, you might have 193 00:09:27,400 --> 00:09:31,280 Speaker 1: lost money, but know that over the last hundred years, 194 00:09:31,440 --> 00:09:36,040 Speaker 1: the market has always gone back up and exceeded where 195 00:09:36,080 --> 00:09:39,280 Speaker 1: it was previously. So if we were to look back, 196 00:09:39,440 --> 00:09:42,360 Speaker 1: you know, last fifty years, one hundred years, we know 197 00:09:42,440 --> 00:09:44,280 Speaker 1: that that is likely to happen. Of course, no one 198 00:09:44,280 --> 00:09:46,840 Speaker 1: knows the future, but it might be an opportunity to 199 00:09:46,840 --> 00:09:48,760 Speaker 1: like stock up. I'm certainly looking I have a stock 200 00:09:49,480 --> 00:09:52,520 Speaker 1: or an investment WhatsApp chat and we're always talking about 201 00:09:52,559 --> 00:09:54,200 Speaker 1: things like you know, what are you gonna pick up 202 00:09:54,280 --> 00:09:56,800 Speaker 1: that's on sale? So what about you, mandra how are 203 00:09:56,840 --> 00:09:58,400 Speaker 1: you going to be riding this wave? 204 00:09:59,040 --> 00:10:02,599 Speaker 2: Well, you know what I love? Well, I want to 205 00:10:02,640 --> 00:10:04,960 Speaker 2: talk about something else. I love this podcast called The Indicator, 206 00:10:05,000 --> 00:10:06,520 Speaker 2: and I have to shout them out. They are like 207 00:10:06,559 --> 00:10:09,880 Speaker 2: a ten minute, quick little They basically pick one economic 208 00:10:10,000 --> 00:10:12,280 Speaker 2: indicator and they kind of dive into it each week, 209 00:10:12,640 --> 00:10:14,640 Speaker 2: and I love it. It's a great little nugget of 210 00:10:14,640 --> 00:10:18,120 Speaker 2: a show. And last week's episode had me really noodling 211 00:10:18,160 --> 00:10:21,280 Speaker 2: because they were talking about eye bonds, which don't sound 212 00:10:21,320 --> 00:10:23,720 Speaker 2: sexy at all. You think about bond savings bonds and 213 00:10:23,760 --> 00:10:26,080 Speaker 2: you're like, oh, that thing that grandma bought me, you know, 214 00:10:26,200 --> 00:10:28,800 Speaker 2: in the early nineties or or eighties or whatnot. But 215 00:10:28,960 --> 00:10:31,600 Speaker 2: inflation bonds have been getting really, really sexy. And there's 216 00:10:31,600 --> 00:10:33,680 Speaker 2: this one particular bond called the eye bond, which they 217 00:10:33,760 --> 00:10:35,520 Speaker 2: talked about and then after I heard about it, I 218 00:10:35,559 --> 00:10:39,000 Speaker 2: was like googling it and really interested. But because of inflation, 219 00:10:39,280 --> 00:10:41,800 Speaker 2: they basically created this product called the ie bond back 220 00:10:41,840 --> 00:10:45,640 Speaker 2: in the nineties to give investors an alternative, like another 221 00:10:45,679 --> 00:10:48,600 Speaker 2: way to invest their money that was relatively safe, that 222 00:10:48,720 --> 00:10:51,800 Speaker 2: was actually backed by the government, so you're never going 223 00:10:51,880 --> 00:10:53,200 Speaker 2: to lose the money that you put in and it 224 00:10:53,240 --> 00:10:57,240 Speaker 2: had a guaranteed interest rate. And because of how it's 225 00:10:57,240 --> 00:11:00,560 Speaker 2: called the inflation bond, the eebond, because it is meant 226 00:11:00,640 --> 00:11:04,080 Speaker 2: to protect you against inflation. Now, before you get too excited, 227 00:11:04,120 --> 00:11:05,400 Speaker 2: and I'm going to tell you what the interest rate 228 00:11:05,480 --> 00:11:11,880 Speaker 2: is today. Guaranteed nine point six two percent interest rate guaranteed, guaranteed. Right, 229 00:11:12,640 --> 00:11:15,320 Speaker 2: you can only put ten thousand dollars in a year. Okay, 230 00:11:15,360 --> 00:11:18,840 Speaker 2: so that's the one caveat. But it exists now, right, 231 00:11:19,160 --> 00:11:22,400 Speaker 2: inflation bonds, it exists. It's not as it's not a scam. 232 00:11:22,520 --> 00:11:25,680 Speaker 1: Girl. If you see me, I'm living and I know 233 00:11:25,840 --> 00:11:29,760 Speaker 1: risk adverse investor like you, You're like, I'm like ibond 234 00:11:29,800 --> 00:11:32,680 Speaker 1: for when I speak to Angelie, my financial advisor this 235 00:11:32,800 --> 00:11:37,400 Speaker 1: coming week, I'm like, girl, please explain ibond nine point percent? 236 00:11:37,440 --> 00:11:40,960 Speaker 2: You said nine point six two. Nine point six two. 237 00:11:41,559 --> 00:11:43,280 Speaker 2: I'll look at my old friend Ken getting quoted in 238 00:11:43,360 --> 00:11:45,960 Speaker 2: this article about them. Now. This is Ken, my friend Ken. 239 00:11:46,000 --> 00:11:48,000 Speaker 2: We used to work together at when I was at 240 00:11:48,000 --> 00:11:50,440 Speaker 2: a couple companies ago. He's the founder of a website 241 00:11:50,480 --> 00:11:53,320 Speaker 2: called depositi Accounts dot com. When you talk about the 242 00:11:53,760 --> 00:11:56,000 Speaker 2: you know, revenge of the Nerds, and like people who 243 00:11:56,040 --> 00:11:59,560 Speaker 2: are obsessed with conservative, you know, investments. Ken Tuoman is 244 00:11:59,600 --> 00:12:02,600 Speaker 2: like the ring leader and he's amazing. So he's I'm 245 00:12:02,640 --> 00:12:04,920 Speaker 2: sure he's just dancing and having a party right now. 246 00:12:05,000 --> 00:12:07,839 Speaker 2: Everyone's thinking eebonds are sexy, But I yeah, I read 247 00:12:07,880 --> 00:12:10,400 Speaker 2: about it, and I'm actually I'm thinking less about my 248 00:12:10,400 --> 00:12:12,640 Speaker 2: investments these days, and I just don't have the bandwidth. 249 00:12:12,640 --> 00:12:15,360 Speaker 2: But my dad is finally getting his act together as 250 00:12:15,400 --> 00:12:17,839 Speaker 2: sixty two no shout out to my dad, and he 251 00:12:18,600 --> 00:12:21,400 Speaker 2: had me open him up a brokerage account at Vanguard 252 00:12:21,400 --> 00:12:24,679 Speaker 2: and he put in, you know, some money and I'm 253 00:12:24,960 --> 00:12:27,079 Speaker 2: meant to be figuring out how to invest it, and 254 00:12:27,320 --> 00:12:29,959 Speaker 2: I'm like, duh, iebond, Like, at least that's the first 255 00:12:30,000 --> 00:12:32,400 Speaker 2: step for someone like him who's in his early sixties 256 00:12:32,400 --> 00:12:35,360 Speaker 2: and he needs to he literally needs to hedge against inflation. 257 00:12:35,600 --> 00:12:37,920 Speaker 2: And that's what that's what the eyebond is meant to do. 258 00:12:38,000 --> 00:12:41,040 Speaker 2: It's meant to, at the minimum, keep your money protected 259 00:12:41,040 --> 00:12:43,360 Speaker 2: against inflation so that the dollar you put in today 260 00:12:43,360 --> 00:12:45,880 Speaker 2: will at least be a dollar you know down the road. 261 00:12:46,200 --> 00:12:48,520 Speaker 2: But because of how high inflation is, we just said, 262 00:12:48,520 --> 00:12:51,480 Speaker 2: like what eight nine percent has? How crazy? So the 263 00:12:51,679 --> 00:12:54,480 Speaker 2: eyebond rate has gone up, so if y'all want to 264 00:12:54,480 --> 00:12:56,600 Speaker 2: look into it, it got my little ears perked up 265 00:12:56,720 --> 00:12:59,800 Speaker 2: this past weekend and anyway, But those limitations the whole 266 00:12:59,840 --> 00:13:02,439 Speaker 2: like only ten thousand things. I think it's ten thousand 267 00:13:02,480 --> 00:13:05,040 Speaker 2: per year, and on top of that it's only you know, 268 00:13:05,240 --> 00:13:08,360 Speaker 2: nine point six percent is exciting, especially when you think 269 00:13:08,400 --> 00:13:12,040 Speaker 2: about how much do we lose? You said twenty something percent. Yeah, 270 00:13:12,240 --> 00:13:14,760 Speaker 2: but still over the ten year period. What I think 271 00:13:14,800 --> 00:13:17,080 Speaker 2: I was up like you said fourteen, I haven't looked 272 00:13:17,080 --> 00:13:19,640 Speaker 2: at mine, but double digits, right, So that you don't 273 00:13:19,640 --> 00:13:22,400 Speaker 2: have the potential to be as high as a stock market. 274 00:13:22,840 --> 00:13:25,320 Speaker 2: So that's why it's obviously not the only answer, but 275 00:13:25,400 --> 00:13:28,280 Speaker 2: it can be one one, just one investment that I 276 00:13:28,320 --> 00:13:29,679 Speaker 2: was thinking about outside. 277 00:13:29,720 --> 00:13:31,320 Speaker 1: So that's what they call it, like a hedge, right, 278 00:13:31,360 --> 00:13:36,079 Speaker 1: because basically when you do that, it's like like, for example, 279 00:13:36,559 --> 00:13:37,720 Speaker 1: for those of you're like, what does that mean when 280 00:13:37,720 --> 00:13:41,240 Speaker 1: people say they're hedging their bets, it means then as 281 00:13:41,240 --> 00:13:43,719 Speaker 1: they take a risk over here and we all know 282 00:13:43,720 --> 00:13:45,400 Speaker 1: which way it's gonna go, you might go to twenty 283 00:13:45,400 --> 00:13:48,880 Speaker 1: three percent, thirty percent, whatever. You hedge your bets by saying, 284 00:13:49,160 --> 00:13:53,240 Speaker 1: let me keep some things aside for safety. For that way, 285 00:13:53,280 --> 00:13:55,280 Speaker 1: I can only fall but so far, because it's like 286 00:13:55,559 --> 00:13:58,360 Speaker 1: I can you know, with great risk comes great reward. 287 00:13:58,440 --> 00:14:00,720 Speaker 1: So we could go go go go this side and 288 00:14:00,760 --> 00:14:03,280 Speaker 1: then over here. It's like, you know, we can only fall, 289 00:14:03,320 --> 00:14:06,240 Speaker 1: but so much. So with any of these things, really, 290 00:14:06,320 --> 00:14:09,880 Speaker 1: the key is figuring out the balance for you. You know, 291 00:14:09,960 --> 00:14:12,520 Speaker 1: how much do I want to put in like quote 292 00:14:12,600 --> 00:14:15,079 Speaker 1: unquote safer investments and how much do I want to 293 00:14:15,080 --> 00:14:18,600 Speaker 1: put investments that have the ape the potential to go 294 00:14:18,640 --> 00:14:21,120 Speaker 1: as high as possible, but just no, with great height 295 00:14:21,520 --> 00:14:24,040 Speaker 1: comes great falls. Yeah, so you just got to know 296 00:14:24,080 --> 00:14:25,320 Speaker 1: like what that balance is for you. 297 00:14:25,840 --> 00:14:27,480 Speaker 2: Well, one last thing on the ibond, because I did 298 00:14:27,520 --> 00:14:30,000 Speaker 2: bring up this question. Here's the rules. You can put 299 00:14:30,080 --> 00:14:34,000 Speaker 2: up to ten thousand dollars in ebonds per person per year. Okay, 300 00:14:34,240 --> 00:14:36,960 Speaker 2: you have to go to Treasurydirect dot gov where you 301 00:14:36,960 --> 00:14:40,120 Speaker 2: can purchase them, and then you can actually if you're 302 00:14:40,160 --> 00:14:43,120 Speaker 2: getting a federal income tax refund, you can buy up 303 00:14:43,120 --> 00:14:46,400 Speaker 2: to an additional five thousand dollars worth using your income 304 00:14:46,440 --> 00:14:49,520 Speaker 2: tax refund. So if you're a couple and you're filing 305 00:14:49,560 --> 00:14:52,720 Speaker 2: jointly or purchasing these jointly, that means you can buy 306 00:14:52,800 --> 00:14:56,760 Speaker 2: up to twenty five thousand dollars worth per year. So 307 00:14:57,000 --> 00:15:01,480 Speaker 2: definitely a conversation to be had with a individual financial planner, 308 00:15:01,560 --> 00:15:03,000 Speaker 2: not financial vesties us. 309 00:15:03,120 --> 00:15:05,720 Speaker 1: What are you reading that from? Because I'm literally gonna 310 00:15:05,720 --> 00:15:07,120 Speaker 1: eat email on Julie that that. 311 00:15:07,320 --> 00:15:09,560 Speaker 2: My girl and currents from the New York Times. You 312 00:15:09,600 --> 00:15:11,400 Speaker 2: want me to, I'll send you the link right now. 313 00:15:11,400 --> 00:15:14,240 Speaker 2: Oh yes, please do yes and check out that episode 314 00:15:14,240 --> 00:15:17,280 Speaker 2: of the Indicator. Shout out to them. I love them. 315 00:15:17,640 --> 00:15:22,000 Speaker 2: They are my my walk companions on Friday. You'd be 316 00:15:22,040 --> 00:15:24,320 Speaker 2: so proud of me. I'm doing a lot of my 317 00:15:24,720 --> 00:15:27,040 Speaker 2: early morning I don't have early morning business calls. I 318 00:15:27,120 --> 00:15:30,080 Speaker 2: usually have a coaching call every every day at ten am. Okay, 319 00:15:30,360 --> 00:15:34,920 Speaker 2: and I've started a walking regimen. Regimen sounds to belitaristic. 320 00:15:36,040 --> 00:15:38,560 Speaker 2: I dropped the kid off at daycare. I go to 321 00:15:38,680 --> 00:15:41,560 Speaker 2: a park that's a beautiful park and near me, and 322 00:15:41,600 --> 00:15:44,800 Speaker 2: I've been walking and forty five minutes has turned into 323 00:15:44,880 --> 00:15:48,320 Speaker 2: like two hours sometimes. And I'm doing coaching calls. And 324 00:15:48,360 --> 00:15:51,480 Speaker 2: my clients don't mind that I'm walking around. I'm telling you, 325 00:15:51,560 --> 00:15:54,240 Speaker 2: they probably really don't mind because they love it because 326 00:15:54,520 --> 00:15:59,080 Speaker 2: you are you are. It's a teachable moment of what 327 00:15:59,120 --> 00:16:02,600 Speaker 2: it looks like when you align yourself, you get paid 328 00:16:02,640 --> 00:16:05,400 Speaker 2: what you feel is fair, and you can walk and 329 00:16:05,440 --> 00:16:08,720 Speaker 2: talk like Mandra So I love that you had to 330 00:16:08,720 --> 00:16:10,480 Speaker 2: get me out of the space. And it's cold down here, 331 00:16:11,000 --> 00:16:14,400 Speaker 2: and plus it's been like sunny lately or sunny today anyway, 332 00:16:14,480 --> 00:16:15,640 Speaker 2: so I was like, no way am I going to 333 00:16:15,720 --> 00:16:16,840 Speaker 2: sit down here if I don't have to. 334 00:16:17,440 --> 00:16:18,600 Speaker 1: I know, I try to, you know, I try to 335 00:16:18,600 --> 00:16:20,440 Speaker 1: get my daily walk in. And something I happit that 336 00:16:20,480 --> 00:16:23,680 Speaker 1: I picked up when I was in Bali is I 337 00:16:23,760 --> 00:16:26,000 Speaker 1: was like, okay, I'm going to Bali, But what am 338 00:16:26,040 --> 00:16:27,880 Speaker 1: I going to do as far as exercise? Although I 339 00:16:27,920 --> 00:16:29,960 Speaker 1: knew i'd do more hiking and things that normal because 340 00:16:30,000 --> 00:16:32,520 Speaker 1: you know, everything's so beautiful, but still I wanted like 341 00:16:33,160 --> 00:16:35,880 Speaker 1: to bring something with me. And I was at Marshall's 342 00:16:35,960 --> 00:16:38,280 Speaker 1: and you know they have like this exercise section and 343 00:16:38,320 --> 00:16:40,920 Speaker 1: I was like, oh, a jump rope. I have that 344 00:16:41,000 --> 00:16:43,360 Speaker 1: jump rope since I was like a kid, and so 345 00:16:43,520 --> 00:16:45,440 Speaker 1: I got a jump ope. And when I tell you 346 00:16:46,240 --> 00:16:48,800 Speaker 1: I enjoy jump roping, I never thought. I mean, now 347 00:16:48,840 --> 00:16:51,360 Speaker 1: I'm not one of these the boxer. Here's the boxes, 348 00:16:51,440 --> 00:16:54,520 Speaker 1: be like girl, and it sounds more like send a 349 00:16:54,600 --> 00:16:59,920 Speaker 1: RelA just the yellow what like my jump? Yes, it's 350 00:17:00,120 --> 00:17:04,440 Speaker 1: definitely giving sixth grade Tiffany. But when I tell you 351 00:17:05,359 --> 00:17:07,960 Speaker 1: that the inches that I have shred as a result 352 00:17:08,359 --> 00:17:10,720 Speaker 1: of jumping rope and then after I jump, very do 353 00:17:10,720 --> 00:17:12,920 Speaker 1: a little some like calisthetics like sometimes some ludgends and 354 00:17:12,960 --> 00:17:16,119 Speaker 1: squads and some crunches. You know, nothing crazy, you know, 355 00:17:16,160 --> 00:17:18,480 Speaker 1: So but that alone, I mean, it wasn't even that 356 00:17:18,520 --> 00:17:21,200 Speaker 1: I dropped a ton of like weight or anything. It 357 00:17:21,359 --> 00:17:24,080 Speaker 1: was but the inches because like the outfit that I 358 00:17:24,119 --> 00:17:26,000 Speaker 1: wore to Bali, I always have like a travel pair 359 00:17:26,000 --> 00:17:29,120 Speaker 1: of jeans and shirt. It was smaller when I came back, 360 00:17:29,600 --> 00:17:32,040 Speaker 1: and when I had stepped on the scale, fem when 361 00:17:32,040 --> 00:17:33,760 Speaker 1: I came back, because I didn't step in any scales 362 00:17:33,800 --> 00:17:35,880 Speaker 1: and Bali, I was like, okay, I actually had put 363 00:17:35,960 --> 00:17:39,080 Speaker 1: on like two pounds. But yet my sister's like, did 364 00:17:39,080 --> 00:17:40,640 Speaker 1: you eat when you were out there? I'm like why, 365 00:17:40,760 --> 00:17:42,760 Speaker 1: She's like, you you look so like you look like 366 00:17:42,800 --> 00:17:44,879 Speaker 1: you lost a lot, and I had not. It was just, 367 00:17:45,840 --> 00:17:48,200 Speaker 1: you know, like I just really shred inches. And since 368 00:17:48,240 --> 00:17:51,200 Speaker 1: then I've just muscle yes, and so I've been jumping 369 00:17:51,280 --> 00:17:53,440 Speaker 1: rope in the morning in the evening, and I find 370 00:17:53,440 --> 00:17:56,480 Speaker 1: that when I jump rope before bed, I actually sleep better. 371 00:17:56,680 --> 00:17:58,240 Speaker 1: And so I honestly when I say I love it 372 00:17:58,280 --> 00:18:00,399 Speaker 1: because I'm kind of a control free I don't know 373 00:18:00,400 --> 00:18:02,000 Speaker 1: if you know this about mandr and I, because she 374 00:18:02,080 --> 00:18:04,479 Speaker 1: is one too, and I like it. 375 00:18:04,520 --> 00:18:08,720 Speaker 2: So she's gonna drag me down with you. 376 00:18:08,920 --> 00:18:11,479 Speaker 1: That's fine if I'm falling down the rabbit hole. But 377 00:18:11,520 --> 00:18:14,359 Speaker 1: what I love about the jump rope is that, you know, 378 00:18:14,520 --> 00:18:17,000 Speaker 1: like the peloton is the instructor telling me what to do. 379 00:18:17,000 --> 00:18:19,800 Speaker 1: I'm like, leave me alone. The treadmill is like the 380 00:18:19,800 --> 00:18:22,000 Speaker 1: treadmill selling me well. With the jump rope at any 381 00:18:22,080 --> 00:18:24,879 Speaker 1: moment I can stop, I could do as much or 382 00:18:24,920 --> 00:18:27,320 Speaker 1: as little, you know, I mean, it doesn't require like 383 00:18:27,800 --> 00:18:30,400 Speaker 1: all of this like thought process. I jump rope now, 384 00:18:30,480 --> 00:18:32,359 Speaker 1: like talking on the phone with my sister in the morning, 385 00:18:32,440 --> 00:18:34,800 Speaker 1: because it helps, like you know, talking and jumping rope, 386 00:18:34,960 --> 00:18:36,760 Speaker 1: you know, like helps like with me because I had 387 00:18:36,800 --> 00:18:39,440 Speaker 1: asthma as a kid, so it helps me like strengthen 388 00:18:39,480 --> 00:18:41,359 Speaker 1: my lungs. I've heard that it's really good for bone 389 00:18:41,359 --> 00:18:42,480 Speaker 1: density jumping rope. 390 00:18:43,160 --> 00:18:45,680 Speaker 2: I love that you're bringing this up because not long ago. 391 00:18:45,760 --> 00:18:47,920 Speaker 2: I read an article that said that was like jump 392 00:18:48,040 --> 00:18:48,640 Speaker 2: roping is it? 393 00:18:49,080 --> 00:18:50,199 Speaker 1: If you like? 394 00:18:50,840 --> 00:18:53,600 Speaker 2: Yes, it was all about exactly what you're saying, how 395 00:18:53,600 --> 00:18:56,400 Speaker 2: it helps with bone density, how it's a good cardio workout, 396 00:18:56,440 --> 00:18:59,000 Speaker 2: and how it ads what's it when you actually your 397 00:18:59,040 --> 00:19:01,440 Speaker 2: body weight? Like that's why walking and running are good too, 398 00:19:01,520 --> 00:19:03,680 Speaker 2: because you you have to carry yourself in it. I 399 00:19:03,720 --> 00:19:07,119 Speaker 2: don't know, probably something scientific that I'm not qualified to 400 00:19:07,119 --> 00:19:09,639 Speaker 2: speak on, but because of that article, I bought my 401 00:19:09,720 --> 00:19:12,040 Speaker 2: I bought me a little seven dollars jump rope. Okay, 402 00:19:12,080 --> 00:19:14,720 Speaker 2: and I can. I haven't been. I wish I could 403 00:19:14,760 --> 00:19:16,560 Speaker 2: say I was, as I had gotten more in the 404 00:19:16,560 --> 00:19:18,400 Speaker 2: habit of it. But what I liked is I could 405 00:19:18,440 --> 00:19:19,879 Speaker 2: put it on my pocket and take it on a 406 00:19:19,920 --> 00:19:22,400 Speaker 2: walk with me, you know, whip it out. It is fun, 407 00:19:22,440 --> 00:19:24,359 Speaker 2: though it does take you back to being a kid. 408 00:19:24,280 --> 00:19:27,040 Speaker 1: Yes, because I'm like literally like look at me, and 409 00:19:27,040 --> 00:19:30,959 Speaker 1: I'm tellingly and I'm like, damn it. But I so 410 00:19:31,040 --> 00:19:32,679 Speaker 1: I had this thing. So in the beginning, I was like, 411 00:19:32,720 --> 00:19:34,400 Speaker 1: well how long do I jump? I said, you know what, 412 00:19:34,640 --> 00:19:37,960 Speaker 1: how about now? How long? Just do a hundred rotations? 413 00:19:38,080 --> 00:19:40,440 Speaker 1: So I'd be like one to mess up? Okay, three, 414 00:19:40,520 --> 00:19:43,080 Speaker 1: four or five six messed up? Okay, So then then 415 00:19:43,160 --> 00:19:45,359 Speaker 1: when a hundred rotations got to be easy, because in 416 00:19:45,400 --> 00:19:47,399 Speaker 1: the beginning, I would do like four and be like 417 00:19:47,880 --> 00:19:53,439 Speaker 1: I need a minute. Yeah, right, then that got easy. 418 00:19:53,440 --> 00:19:56,000 Speaker 1: Then I would do stuff like okay, one Drake song 419 00:19:56,080 --> 00:19:57,879 Speaker 1: because you know, he'd be crooning for a while. Then 420 00:19:57,880 --> 00:19:59,879 Speaker 1: I'm like, okay, two Drake songs. So then you know, 421 00:20:00,080 --> 00:20:02,080 Speaker 1: so literally I'll set it and now I'll be like, okay, 422 00:20:02,080 --> 00:20:04,280 Speaker 1: I'm going to listen to a podcast and jump rope. 423 00:20:04,440 --> 00:20:07,720 Speaker 1: So it makes it easy to like, I like to 424 00:20:07,800 --> 00:20:09,600 Speaker 1: pair it with a thing, so I'm not really thinking 425 00:20:09,600 --> 00:20:11,920 Speaker 1: about the jumping of the rope. Or maybe I'll say 426 00:20:11,920 --> 00:20:14,240 Speaker 1: I'm gonna jump rope this whole conversation with my sister. 427 00:20:14,520 --> 00:20:17,520 Speaker 1: But when I tell you it's been awesome, I've been 428 00:20:18,119 --> 00:20:20,679 Speaker 1: intermittent fasting. I had already done that already. I like 429 00:20:20,680 --> 00:20:23,679 Speaker 1: intermittent fasting. I like, like, I'm not a breakfast person, 430 00:20:23,800 --> 00:20:27,240 Speaker 1: so you know, I don't eat late anymore for the 431 00:20:27,280 --> 00:20:29,359 Speaker 1: most part, but like, you know, maybe I eat my 432 00:20:29,359 --> 00:20:32,920 Speaker 1: first meal like eleven thirty twelve because my fast is 433 00:20:32,960 --> 00:20:36,480 Speaker 1: eleven thirty twelve to seven thirty so anytime after eleven thirty, 434 00:20:37,160 --> 00:20:39,760 Speaker 1: but also too, like just listening to my body, like 435 00:20:39,800 --> 00:20:42,280 Speaker 1: I'll eat something. I'm realizing chicken doesn't really do me right, 436 00:20:43,280 --> 00:20:46,760 Speaker 1: you know, like like beef and chicken. I'm like, really, 437 00:20:46,920 --> 00:20:49,760 Speaker 1: so I've cut that out. I had not eaten beef 438 00:20:49,760 --> 00:20:52,960 Speaker 1: in a while anyway, But really it's seafood, heavy, heavy, vegetable. 439 00:20:53,000 --> 00:20:56,040 Speaker 1: The more vegetables I eat, the better I feel. So 440 00:20:56,359 --> 00:20:58,280 Speaker 1: knowing that, I'm just like, that's why I'm skin You 441 00:20:58,280 --> 00:20:59,879 Speaker 1: look at my skin. For those of you who are 442 00:20:59,880 --> 00:21:03,520 Speaker 1: not watching our YouTube or not watching her, who are 443 00:21:03,520 --> 00:21:06,280 Speaker 1: not following us on Insta, you're missing out because Mandy 444 00:21:06,320 --> 00:21:07,520 Speaker 1: and I skin is glowing. 445 00:21:08,000 --> 00:21:11,320 Speaker 2: I need sunglasses. The glow is I'm also kind of annoyed. 446 00:21:11,320 --> 00:21:14,159 Speaker 2: I'm like, damn, another person being like vegetables and exercise. 447 00:21:14,320 --> 00:21:16,840 Speaker 1: Honestly, I had decided because I was doing that obviously. 448 00:21:16,880 --> 00:21:19,320 Speaker 1: After the drill passed her, I was like, because everybody's 449 00:21:19,320 --> 00:21:21,040 Speaker 1: fiving me like cookies and cakes and this and that, 450 00:21:21,080 --> 00:21:23,600 Speaker 1: and I was raking it in. But before he had 451 00:21:23,600 --> 00:21:26,320 Speaker 1: passed away, I had actually gone to the doctor and 452 00:21:26,480 --> 00:21:30,280 Speaker 1: two visits twice. My I'd never had high blood pressure before, 453 00:21:30,520 --> 00:21:32,840 Speaker 1: and my blood pressure was elevated and she was like, hmmm. 454 00:21:33,040 --> 00:21:35,080 Speaker 1: The first time, she was just like, eh, you know, 455 00:21:35,080 --> 00:21:36,679 Speaker 1: maybe you ran up the stairs to come see me. 456 00:21:36,760 --> 00:21:39,240 Speaker 1: Second time, she said, she mean, you never have elevated 457 00:21:39,240 --> 00:21:41,520 Speaker 1: bloo pressure. This is the second time. But by then 458 00:21:41,560 --> 00:21:44,080 Speaker 1: I had packed on like twenty pounds, like this is 459 00:21:44,160 --> 00:21:47,840 Speaker 1: pre passing. And I was like, yeah, you know same. 460 00:21:47,880 --> 00:21:49,600 Speaker 1: I was just kind of like, I'll do this, I'll 461 00:21:49,640 --> 00:21:51,480 Speaker 1: do that. I would stick to something for a week 462 00:21:51,560 --> 00:21:54,639 Speaker 1: or two. I bought the peloton and all these other things. 463 00:21:54,720 --> 00:21:57,600 Speaker 1: But you know, I really started to worry because I'm like, 464 00:21:57,640 --> 00:21:59,920 Speaker 1: you know, blood pressure is really nothing to play with it. 465 00:22:00,000 --> 00:22:02,119 Speaker 1: And then she told me if you come back and 466 00:22:02,160 --> 00:22:03,800 Speaker 1: your blood pressure is still high, I'm gonna have to 467 00:22:03,800 --> 00:22:08,720 Speaker 1: put you on medication. I was like medication, Like I'm seventy, 468 00:22:09,160 --> 00:22:12,320 Speaker 1: and I was like, Tiffany. And so once Yeral passed away, 469 00:22:12,359 --> 00:22:17,479 Speaker 1: I said to myself, Tiffany, we can't do both. Like 470 00:22:17,720 --> 00:22:19,439 Speaker 1: I know that you want to eat all the things, 471 00:22:19,760 --> 00:22:23,359 Speaker 1: but I can't. I have to just focus on this 472 00:22:23,359 --> 00:22:27,680 Speaker 1: grief right now, girl, I cannot also stress about your health. 473 00:22:28,080 --> 00:22:29,600 Speaker 1: So it's like I had to almost step outside of 474 00:22:29,640 --> 00:22:33,480 Speaker 1: myself and say, you know, like you you know, we 475 00:22:33,520 --> 00:22:35,399 Speaker 1: could like see me in the year sis if we 476 00:22:35,440 --> 00:22:37,919 Speaker 1: went to over eat, you know, but right now, you 477 00:22:38,000 --> 00:22:40,040 Speaker 1: need to focus on this one thing. And so that's 478 00:22:40,040 --> 00:22:44,040 Speaker 1: what pushed me to say, I cannot also be afraid 479 00:22:44,359 --> 00:22:46,800 Speaker 1: that I'm going to have a heart attack, like girl, 480 00:22:46,800 --> 00:22:49,000 Speaker 1: I'll choose something. And so that's why I got the 481 00:22:49,080 --> 00:22:51,520 Speaker 1: jump rope. That's why honestly I chose Bali because I 482 00:22:51,600 --> 00:22:55,760 Speaker 1: knew I could reset my diet. And I did, you know, 483 00:22:55,880 --> 00:22:57,919 Speaker 1: like I do this thing that my sister hates, what 484 00:22:57,960 --> 00:23:01,440 Speaker 1: I call it hot salad, so like I don't cook 485 00:23:01,520 --> 00:23:04,120 Speaker 1: y'all roast, I know, that's what I say. 486 00:23:04,119 --> 00:23:06,120 Speaker 3: I'm like, I'm about to get me a hot sala 487 00:23:06,119 --> 00:23:10,119 Speaker 3: It's just like I don't swear so but really what 488 00:23:10,160 --> 00:23:12,000 Speaker 3: it is is I go to Whole Foods and I 489 00:23:12,040 --> 00:23:15,520 Speaker 3: get all the warm, warm vegetables, you know, because one 490 00:23:15,560 --> 00:23:17,520 Speaker 3: of the reasons, like one of the deterrents for me 491 00:23:17,560 --> 00:23:20,560 Speaker 3: eating vegetables is like I don't always want crispy, crunchy cold, 492 00:23:21,119 --> 00:23:22,840 Speaker 3: and so I'll just go to you know what I mean, 493 00:23:22,880 --> 00:23:24,560 Speaker 3: I always I'll go to Whole Foods and I'll get like, 494 00:23:25,280 --> 00:23:27,080 Speaker 3: you know, a bunch of like and all the little 495 00:23:27,080 --> 00:23:30,320 Speaker 3: containers like beans and this containers and another set of 496 00:23:30,359 --> 00:23:33,119 Speaker 3: beans here, and then like the cooked vegetables and all 497 00:23:33,119 --> 00:23:34,119 Speaker 3: their separate containers. 498 00:23:34,160 --> 00:23:36,880 Speaker 1: And then I have maybe four or five containers at home, 499 00:23:37,240 --> 00:23:40,520 Speaker 1: and then I will like you know, like put them 500 00:23:40,520 --> 00:23:42,520 Speaker 1: all into like a pan a walk and then I'll 501 00:23:42,960 --> 00:23:45,600 Speaker 1: seize them up and eat that for like breakfast or 502 00:23:45,680 --> 00:23:49,000 Speaker 1: lunch or dinner. And so, but that has helped a 503 00:23:49,040 --> 00:23:50,919 Speaker 1: lot because I'm like, you know, sometimes I do like 504 00:23:50,960 --> 00:23:54,240 Speaker 1: the crunchy you know, cold, but you know, sometimes I 505 00:23:54,240 --> 00:23:58,199 Speaker 1: want something warm. And beans and mushrooms have been really 506 00:23:58,240 --> 00:24:00,760 Speaker 1: like my best friend when it comes to needing that 507 00:24:00,800 --> 00:24:04,000 Speaker 1: more robust feeling what I'm eating, you know, and being 508 00:24:04,040 --> 00:24:08,000 Speaker 1: full longer. So it's helped significantly. But yeah, I'm down 509 00:24:08,080 --> 00:24:11,120 Speaker 1: like twenty something pounds. I don't know if y'all could sell, 510 00:24:11,640 --> 00:24:14,280 Speaker 1: but yeah, I'm down like twenty something pounds. 511 00:24:14,280 --> 00:24:18,600 Speaker 2: And you like feel you look like you say a feeling, 512 00:24:18,840 --> 00:24:19,280 Speaker 2: which is. 513 00:24:19,520 --> 00:24:23,119 Speaker 1: Yes, but like I feel healthy, That's what I'll say, 514 00:24:23,480 --> 00:24:27,480 Speaker 1: Like I do. I feel physically stronger and healthier. But yeah, 515 00:24:27,520 --> 00:24:30,200 Speaker 1: so for those of you who might be struggle laying, 516 00:24:30,440 --> 00:24:33,680 Speaker 1: consider hot salad and a jump rope. 517 00:24:35,560 --> 00:24:43,320 Speaker 2: The hot salad jump rope. I'm sure it'll be a best. 518 00:24:43,640 --> 00:24:45,639 Speaker 1: Because you know, people don't feelze Like my friend always 519 00:24:45,640 --> 00:24:48,560 Speaker 1: says that bad health is like people are like, oh, 520 00:24:48,640 --> 00:24:51,120 Speaker 1: you know, good food is expensive, like healthy food is expensive. 521 00:24:51,119 --> 00:24:52,760 Speaker 1: I'm like, bad health is even more expensive. 522 00:24:53,720 --> 00:24:56,040 Speaker 2: You're so right, And it's so annoying that you can 523 00:24:56,080 --> 00:25:00,720 Speaker 2: be so smart even to grief, to. 524 00:25:00,760 --> 00:25:01,840 Speaker 1: Be because it's true. 525 00:25:01,840 --> 00:25:03,960 Speaker 2: It's one more kind damn thing to think about and 526 00:25:04,000 --> 00:25:07,359 Speaker 2: think that. I'm just like this again, Mandy, another one, 527 00:25:07,800 --> 00:25:12,000 Speaker 2: another fifty pounds. Come on, Hey, we're all on our 528 00:25:12,040 --> 00:25:14,400 Speaker 2: own journeys, right, So we're all on our own journeys. 529 00:25:14,480 --> 00:25:16,240 Speaker 2: All right, Well, let's take a quick break. We'll be 530 00:25:16,359 --> 00:25:21,120 Speaker 2: right back with more a brown ambition. All right, ba fan, 531 00:25:21,200 --> 00:25:23,840 Speaker 2: we're back. Can I tell you a little secret though 532 00:25:23,880 --> 00:25:27,680 Speaker 2: that I'm really excited about. And I decided I'm gonna 533 00:25:27,680 --> 00:25:29,439 Speaker 2: speak my secrets out loud. But at the beginning of 534 00:25:29,440 --> 00:25:31,720 Speaker 2: the year, one of my one of my goals was 535 00:25:31,760 --> 00:25:35,000 Speaker 2: to work on a book proposal. Okay, so I could, yes, 536 00:25:35,640 --> 00:25:38,080 Speaker 2: I could, you know, get my own, get my own 537 00:25:38,160 --> 00:25:39,639 Speaker 2: Uh what's that on you? What do you call that 538 00:25:39,760 --> 00:25:42,000 Speaker 2: behind you? That picture? I want my own book cover 539 00:25:42,080 --> 00:25:45,720 Speaker 2: on the wall behind me. Oh yeah, yeah, yeah, yeah, no. 540 00:25:45,840 --> 00:25:48,360 Speaker 2: But I know I've had this, I've had this idea, 541 00:25:49,560 --> 00:25:51,840 Speaker 2: but I wasn't happening right. Like I'm someone I've written 542 00:25:51,840 --> 00:25:54,560 Speaker 2: my whole life. I've always wanted to write a book, 543 00:25:54,880 --> 00:25:56,000 Speaker 2: you know, and I know I have it in me 544 00:25:56,080 --> 00:25:58,160 Speaker 2: and I keep saying that, but yet we're the book 545 00:25:58,200 --> 00:26:01,040 Speaker 2: at No. Never had it, never got that agent, agents 546 00:26:01,040 --> 00:26:03,520 Speaker 2: reach out, and never did anything, you know, And I realized, Okay, 547 00:26:03,520 --> 00:26:05,800 Speaker 2: so what do I need to change? I need some accountability. 548 00:26:05,880 --> 00:26:10,199 Speaker 2: So I'm working with a book proposal coach me accountable, 549 00:26:10,400 --> 00:26:12,080 Speaker 2: and I'm going to get this book. I'm not ready 550 00:26:12,080 --> 00:26:14,119 Speaker 2: to like talk about titles and stuff, but you know, 551 00:26:14,160 --> 00:26:17,200 Speaker 2: i'll tell you. I'll tell you offline, Tiff, now that 552 00:26:17,280 --> 00:26:21,200 Speaker 2: you're backish, but I'm really excited and and I know, Tiff, 553 00:26:21,240 --> 00:26:24,880 Speaker 2: you just went through this too, but I'll share y'all. 554 00:26:25,040 --> 00:26:28,520 Speaker 2: So the journey is for me proposal first, and then 555 00:26:28,560 --> 00:26:31,639 Speaker 2: shop it to agents, and then agent gets it and 556 00:26:31,720 --> 00:26:34,080 Speaker 2: hopefully agent takes it to a publisher and then all that. 557 00:26:34,119 --> 00:26:36,640 Speaker 2: But I'm not focused on that now. The focus now 558 00:26:36,800 --> 00:26:41,320 Speaker 2: is just months, several months work of proposal writing. So 559 00:26:41,400 --> 00:26:45,520 Speaker 2: that's going to be my summer activity, and I'm really 560 00:26:45,760 --> 00:26:48,440 Speaker 2: it feels so damn good to have taken one step 561 00:26:49,119 --> 00:26:51,560 Speaker 2: that I know. It's like, Okay, I'm actually doing this 562 00:26:51,680 --> 00:26:53,320 Speaker 2: damn thing. It feels and I'm. 563 00:26:53,240 --> 00:26:56,040 Speaker 1: Proud of you for it. Because I got the agent 564 00:26:56,160 --> 00:26:59,000 Speaker 1: first and then the proposal was due. I'm not gonna 565 00:26:59,000 --> 00:27:02,040 Speaker 1: lie the level of stress it was so because I 566 00:27:02,040 --> 00:27:05,040 Speaker 1: had never been Yeah, but to your point, I had 567 00:27:05,040 --> 00:27:06,680 Speaker 1: not thought it through, like what do I want to write? 568 00:27:06,680 --> 00:27:06,840 Speaker 2: Wait? 569 00:27:06,840 --> 00:27:08,879 Speaker 1: Wait, wait so but but I will tell you the 570 00:27:08,920 --> 00:27:11,639 Speaker 1: best piece of advice and my agent, Heather gave me 571 00:27:11,840 --> 00:27:14,520 Speaker 1: was because I was like, can I do like. 572 00:27:14,480 --> 00:27:16,399 Speaker 2: A little five page proposal? 573 00:27:16,680 --> 00:27:20,480 Speaker 1: She was like, you can, but she said the issue 574 00:27:20,480 --> 00:27:23,000 Speaker 1: with doing that is that but one, when you do 575 00:27:23,080 --> 00:27:25,440 Speaker 1: a more flushed out proposal, that means that you and 576 00:27:25,560 --> 00:27:27,639 Speaker 1: your head are really clear about what you're going to write. 577 00:27:28,160 --> 00:27:30,760 Speaker 1: And also two, it makes the person who's buying the 578 00:27:30,760 --> 00:27:33,080 Speaker 1: book clear about what you're going to write, because if 579 00:27:33,119 --> 00:27:36,480 Speaker 1: you do a shorter one, you know, the publisher might 580 00:27:36,520 --> 00:27:38,560 Speaker 1: be like, let's turn left, and you're like, well, you know, 581 00:27:38,600 --> 00:27:40,080 Speaker 1: my intention was to turn right, but it's not in 582 00:27:40,080 --> 00:27:42,280 Speaker 1: the proposal, so how would they have known that? You know? 583 00:27:42,800 --> 00:27:44,680 Speaker 1: So I was like, okay, So I told myself, girl, 584 00:27:44,680 --> 00:27:46,000 Speaker 1: I don't care what I'm talk about. I'm about to 585 00:27:46,040 --> 00:27:52,240 Speaker 1: do this ten page proposal seventy pages later. Yeah, between fifty. 586 00:27:51,960 --> 00:27:54,480 Speaker 2: And one hundred is the estimate. Yes, that's right on 587 00:27:54,520 --> 00:27:54,960 Speaker 2: the nose. 588 00:27:55,200 --> 00:27:56,960 Speaker 1: Yes, I think it was like seventy pages late. But 589 00:27:57,040 --> 00:28:00,080 Speaker 1: I when I tell you, I'm so glad that I 590 00:28:00,080 --> 00:28:01,960 Speaker 1: wrote the proposal in the way that I did because 591 00:28:02,000 --> 00:28:04,800 Speaker 1: it forced me to get clear on what did I 592 00:28:04,880 --> 00:28:07,919 Speaker 1: want to write, and I wrote the like I can 593 00:28:08,359 --> 00:28:09,520 Speaker 1: have it to Mandy. I don't know if I have, 594 00:28:09,520 --> 00:28:11,720 Speaker 1: but I can obviously share my proposal with you. I 595 00:28:11,720 --> 00:28:15,480 Speaker 1: wrote my whole first like introduction chapter for you know, 596 00:28:15,520 --> 00:28:17,360 Speaker 1: and then like you know, like here are the chapters, 597 00:28:17,400 --> 00:28:19,159 Speaker 1: here's what I'm what I'm going to cover. When I 598 00:28:19,160 --> 00:28:21,720 Speaker 1: tell you, it was so helpful because it was like 599 00:28:21,840 --> 00:28:24,359 Speaker 1: the most amazing outline that I just had to fill 600 00:28:24,400 --> 00:28:26,959 Speaker 1: in as I was doing the book. So yeah, like 601 00:28:27,040 --> 00:28:30,200 Speaker 1: the proposal process can be. Truthfully, it's crazy. I almost 602 00:28:30,240 --> 00:28:32,680 Speaker 1: found it harder the proposal process and the actually writing 603 00:28:32,680 --> 00:28:33,080 Speaker 1: of the book. 604 00:28:33,520 --> 00:28:36,560 Speaker 2: Yeah, because it's exactly it's all of that. It's clarity, 605 00:28:36,760 --> 00:28:40,480 Speaker 2: it's being focused, it's having all that feedback and I know, 606 00:28:40,680 --> 00:28:42,720 Speaker 2: and that's what's been so daunting, is and I and 607 00:28:42,760 --> 00:28:45,440 Speaker 2: thank you for that, because a lot of generous people 608 00:28:45,480 --> 00:28:48,360 Speaker 2: have shared their proposals with me and and in the 609 00:28:48,360 --> 00:28:51,120 Speaker 2: best way. It's like it's like it forced me to 610 00:28:51,160 --> 00:28:55,240 Speaker 2: be like, Okay, let me get this right. And even 611 00:28:55,320 --> 00:28:57,480 Speaker 2: like speaking to different coaches and who I wanted to 612 00:28:57,520 --> 00:29:00,400 Speaker 2: work with and ended up picking this wonderful woman. I mean, 613 00:29:00,400 --> 00:29:03,240 Speaker 2: we haven't started yet, so I'll endorse her once it's done. 614 00:29:03,560 --> 00:29:07,800 Speaker 2: But but she's actually worked with authors just like me, 615 00:29:08,160 --> 00:29:11,640 Speaker 2: people who and Tiff as well, like you know, people 616 00:29:11,640 --> 00:29:15,520 Speaker 2: who have you know, built a following and have a message, 617 00:29:15,560 --> 00:29:17,840 Speaker 2: but really want to target it and be specific. And 618 00:29:18,760 --> 00:29:21,240 Speaker 2: for me, the book is really just a continuation of 619 00:29:21,240 --> 00:29:23,080 Speaker 2: my business, you know, for me, I know it'll open 620 00:29:23,120 --> 00:29:26,760 Speaker 2: doors to opportunities and just yeah, I you know, but 621 00:29:26,880 --> 00:29:28,719 Speaker 2: one step at a time, and I coach this all 622 00:29:28,760 --> 00:29:31,200 Speaker 2: the time with my clients, is what's the one step 623 00:29:31,240 --> 00:29:33,480 Speaker 2: you did today to get you toward your end goal? 624 00:29:33,800 --> 00:29:37,400 Speaker 2: Just one baby step? And for me, signing that contract 625 00:29:37,440 --> 00:29:40,960 Speaker 2: with her was a big baby step, a big girl step. Yeah. 626 00:29:41,160 --> 00:29:43,400 Speaker 1: Can I give you one one one piece of advice 627 00:29:43,440 --> 00:29:45,840 Speaker 1: that really helped me aside from like not the proposal itself, 628 00:29:45,880 --> 00:29:48,480 Speaker 1: but just in general this process. So I would just 629 00:29:48,600 --> 00:29:53,920 Speaker 1: say that, figure out what do you want, Meaning like 630 00:29:55,200 --> 00:29:57,200 Speaker 1: for me, I was like, okay, what do I want 631 00:29:57,200 --> 00:29:59,680 Speaker 1: out of this book? And so I was like, well, one, 632 00:30:00,080 --> 00:30:03,960 Speaker 1: I wanted something I could imagine the woman going to 633 00:30:04,240 --> 00:30:07,920 Speaker 1: Barnes and Nobles and picking it off the shelf and saying, Okay, 634 00:30:08,080 --> 00:30:09,640 Speaker 1: now I know what to do when it comes to 635 00:30:09,680 --> 00:30:12,360 Speaker 1: the foundation of my first personal financial life. Like I 636 00:30:12,400 --> 00:30:14,760 Speaker 1: wanted like a almost like a financial bible. So that 637 00:30:14,800 --> 00:30:16,920 Speaker 1: was one I was like, I wanted it was almost 638 00:30:16,960 --> 00:30:19,120 Speaker 1: like I mean, I'm dating myself like an encyclopedia. That's 639 00:30:19,120 --> 00:30:20,640 Speaker 1: how I wanted it to feel. So I was like, one, 640 00:30:20,840 --> 00:30:23,480 Speaker 1: I want to help that woman, the woman who emails 641 00:30:23,520 --> 00:30:26,600 Speaker 1: me and sees me and whole Foods and marshals and says, Tiffany, 642 00:30:26,680 --> 00:30:29,360 Speaker 1: I need help with It's like, here's the foundation. That 643 00:30:29,440 --> 00:30:32,360 Speaker 1: was one. Two to me. It wasn't really about like 644 00:30:32,600 --> 00:30:34,560 Speaker 1: how big my contract was going to because honestly, I 645 00:30:35,040 --> 00:30:37,560 Speaker 1: didn't have a point of reference on how big contracts 646 00:30:37,600 --> 00:30:39,680 Speaker 1: could because I was a new time author as far 647 00:30:39,720 --> 00:30:42,200 Speaker 1: as you know, publishing in this way. But I said, 648 00:30:42,640 --> 00:30:46,600 Speaker 1: I know that I want to see can I do it? 649 00:30:46,600 --> 00:30:48,520 Speaker 1: Like I wanted to sell a hundred thousand copies in 650 00:30:48,560 --> 00:30:50,560 Speaker 1: the year, although I'm not gonna lie. I didn't realize 651 00:30:50,640 --> 00:30:54,880 Speaker 1: like that's like not realistic, a realistic goal. Yeah, it's not. 652 00:30:55,080 --> 00:30:56,840 Speaker 2: You operate in a different universe than the rest. 653 00:30:56,880 --> 00:30:58,240 Speaker 1: Yeah, but I didn't know. But I didn't know what 654 00:30:58,320 --> 00:30:59,760 Speaker 1: was a lot or little you know what I mean. 655 00:30:59,840 --> 00:31:01,760 Speaker 1: Like I thought, like, you know, I didn't realize that 656 00:31:01,880 --> 00:31:05,160 Speaker 1: ten thousand is really good, twenty five is great over 657 00:31:05,240 --> 00:31:07,360 Speaker 1: fifty years, Okay, girl, we see you. So one hundred 658 00:31:07,360 --> 00:31:09,960 Speaker 1: thousand is like, all right, girl, are you Michelle Obama? 659 00:31:10,040 --> 00:31:12,000 Speaker 1: You know? So I didn't, but that was like my 660 00:31:12,080 --> 00:31:14,840 Speaker 1: number in my head just because I just I'm used 661 00:31:14,840 --> 00:31:17,280 Speaker 1: to working with like my business numbers. So I was like, Okay, 662 00:31:17,320 --> 00:31:19,760 Speaker 1: this is our goal. And then third, I really wanted 663 00:31:19,760 --> 00:31:22,600 Speaker 1: a New York Times bestseller, not for the flex, although 664 00:31:22,640 --> 00:31:25,720 Speaker 1: it's nice flex, really because I wanted to be taken 665 00:31:25,800 --> 00:31:30,000 Speaker 1: more seriously in other circles. And I knew that having 666 00:31:30,080 --> 00:31:33,000 Speaker 1: that stamp was going to allow folks who might be 667 00:31:33,160 --> 00:31:36,840 Speaker 1: like in no shade to influencers because I'm in part 668 00:31:36,880 --> 00:31:40,040 Speaker 1: an influencer on top of financial educator and otherwise. But 669 00:31:40,080 --> 00:31:42,760 Speaker 1: I knew that if I wanted to be taken seriously 670 00:31:42,800 --> 00:31:45,800 Speaker 1: on a broader market, having that stamp of New York 671 00:31:45,840 --> 00:31:48,280 Speaker 1: Times bestseller was going to assist me in doing so. 672 00:31:48,280 --> 00:31:50,440 Speaker 1: So I just share that to say, then, and that's 673 00:31:50,480 --> 00:31:52,400 Speaker 1: just for any of y'all setting any kind of goals, 674 00:31:52,680 --> 00:31:55,200 Speaker 1: like the goal before the goal, because you have to 675 00:31:55,880 --> 00:31:58,520 Speaker 1: that's really the spice to the thing you're creating. That 676 00:31:58,600 --> 00:32:01,920 Speaker 1: had I not set those intents ahead of time, I 677 00:32:02,000 --> 00:32:05,920 Speaker 1: baked in those intentions into the writing of the proposal 678 00:32:06,040 --> 00:32:07,800 Speaker 1: and then the book, and then the marketing and then 679 00:32:07,800 --> 00:32:10,520 Speaker 1: the so really got clear, like I want that woman 680 00:32:10,560 --> 00:32:12,760 Speaker 1: to have her financial bible, and with that New York 681 00:32:12,800 --> 00:32:15,280 Speaker 1: Times bestseller, so it gets me that stamp of approval. 682 00:32:15,440 --> 00:32:17,280 Speaker 1: And there was a certain amount of books I wanted 683 00:32:17,280 --> 00:32:19,920 Speaker 1: to sell, although I just found out Penguin told me, 684 00:32:20,000 --> 00:32:22,080 Speaker 1: like I had a meeting with them last week and 685 00:32:22,120 --> 00:32:25,719 Speaker 1: they were like, the number we have an author portal. 686 00:32:25,720 --> 00:32:28,719 Speaker 1: Almost every publisher has one or big publisher you can 687 00:32:28,760 --> 00:32:30,479 Speaker 1: go in and see your numbers. And I was like, oh, okay, 688 00:32:30,800 --> 00:32:34,520 Speaker 1: I see my numbers. Uh. One year later, my book 689 00:32:34,560 --> 00:32:39,600 Speaker 1: has sold drum roll, please, one hundred and fifty seven 690 00:32:39,800 --> 00:32:43,880 Speaker 1: thousand copies in one year. I was like, say what now, 691 00:32:44,320 --> 00:32:46,240 Speaker 1: I said the author, Putty, don't say that. She was like, yeah, 692 00:32:46,240 --> 00:32:47,680 Speaker 1: I know. She's like, I don't know why it's off, 693 00:32:48,080 --> 00:32:50,520 Speaker 1: she said, but they pull numbers like Target calls them 694 00:32:50,520 --> 00:32:54,600 Speaker 1: every week, Barnes and Nobles, Amazon every week. They get 695 00:32:54,640 --> 00:32:57,040 Speaker 1: all the numbers from all the bookstores and whatever. She's like, now, 696 00:32:57,280 --> 00:32:59,080 Speaker 1: I can tell you right now, one hundred and fifty 697 00:32:59,120 --> 00:33:05,960 Speaker 1: seven thousand cops these in one calendar year, which is insite. 698 00:33:06,160 --> 00:33:07,600 Speaker 1: So I can't wait for your book to come out. 699 00:33:07,600 --> 00:33:10,400 Speaker 2: Book came out, Sorry, girl, I can't. 700 00:33:10,200 --> 00:33:12,320 Speaker 1: Wait to give you all my tips and tracks job like, 701 00:33:12,560 --> 00:33:14,680 Speaker 1: don't do that, oh, Mandy do it? Don't do that, Mandy, 702 00:33:14,840 --> 00:33:15,480 Speaker 1: oh'll do this? 703 00:33:16,200 --> 00:33:17,920 Speaker 2: Well, No, I just told you on last week's show, 704 00:33:17,960 --> 00:33:19,600 Speaker 2: and I'll say it again, and I've said it to 705 00:33:19,680 --> 00:33:23,960 Speaker 2: other people too. The fact that your book did so amazing, 706 00:33:24,280 --> 00:33:26,720 Speaker 2: like you don't even understand. It'll probably take years for 707 00:33:26,760 --> 00:33:28,840 Speaker 2: you to find it, but to figure it out or 708 00:33:28,880 --> 00:33:30,760 Speaker 2: to or even it's not one of those things that 709 00:33:30,800 --> 00:33:33,240 Speaker 2: could maybe ever tangible, but it makes us such a 710 00:33:33,240 --> 00:33:36,480 Speaker 2: big difference still to this day, ten percent or fewer 711 00:33:36,480 --> 00:33:39,080 Speaker 2: books are by people of color, not even women of color, 712 00:33:39,080 --> 00:33:41,360 Speaker 2: people of color, And I feel like if you even 713 00:33:41,360 --> 00:33:44,040 Speaker 2: get into the business category and finance categories and even 714 00:33:44,040 --> 00:33:47,240 Speaker 2: smaller percentage there are so there's so much room for us. 715 00:33:47,320 --> 00:33:50,200 Speaker 2: But unfortunately we're still on this point of we need 716 00:33:50,240 --> 00:33:53,400 Speaker 2: to prove that there's a marketplace and all that bullshit. Right, 717 00:33:53,920 --> 00:33:56,719 Speaker 2: so in such a huge way, you know, and with 718 00:33:56,800 --> 00:33:59,000 Speaker 2: your intentions, I know, you know, being entirely what they 719 00:33:59,040 --> 00:34:00,960 Speaker 2: are about that woman picking your book off the shelf, 720 00:34:00,960 --> 00:34:03,880 Speaker 2: but you creating that book has probably made it easier 721 00:34:03,880 --> 00:34:05,520 Speaker 2: for me to get a book deal, and other people 722 00:34:05,520 --> 00:34:08,520 Speaker 2: have come at you. So again, I will poor, I 723 00:34:08,560 --> 00:34:12,319 Speaker 2: will always give you your flowers, Tiff. You deserve it, 724 00:34:12,480 --> 00:34:15,359 Speaker 2: you do, and I hope, I hope my book can 725 00:34:15,400 --> 00:34:16,640 Speaker 2: do the same. I'm really excited. 726 00:34:18,440 --> 00:34:21,600 Speaker 1: Will y'all gonna be sick of us, sick of us 727 00:34:21,600 --> 00:34:21,920 Speaker 1: over here? 728 00:34:24,080 --> 00:34:30,040 Speaker 2: Give me this book, my untitled book project. I'll tell 729 00:34:30,040 --> 00:34:34,600 Speaker 2: you more about it as I go. Okay, but yeah. 730 00:34:33,520 --> 00:34:35,800 Speaker 1: All right, ah well that post is in a great 731 00:34:35,880 --> 00:34:38,400 Speaker 1: move for some boosty breaky time. 732 00:34:39,200 --> 00:34:41,239 Speaker 2: Yeah, let's take a quick let's take a quick little 733 00:34:41,239 --> 00:34:43,440 Speaker 2: commercial break to hear some from some of our sponsors, 734 00:34:43,480 --> 00:34:45,320 Speaker 2: and we'll write back with you our boost and break? 735 00:34:47,920 --> 00:34:51,640 Speaker 2: All right, Wait, what's your boost and break song? I forget, 736 00:34:52,080 --> 00:34:52,600 Speaker 2: I don't know. 737 00:34:53,239 --> 00:34:56,319 Speaker 1: It's now it's time to No. No, it was like 738 00:34:56,360 --> 00:34:59,120 Speaker 1: the Mickey Mouse song is like am I c khy? 739 00:35:00,239 --> 00:35:02,120 Speaker 2: Like? Do the kids even know what that is anymore? 740 00:35:02,400 --> 00:35:02,760 Speaker 1: No? 741 00:35:03,400 --> 00:35:05,880 Speaker 2: Do you have a version of that you know that 742 00:35:05,920 --> 00:35:10,200 Speaker 2: we could do with I don't know, bad Bunny DJ Khaled, 743 00:35:10,400 --> 00:35:12,560 Speaker 2: something that the youths are into these days. 744 00:35:13,080 --> 00:35:15,439 Speaker 1: No, but I will. I will think of something. I will. 745 00:35:15,440 --> 00:35:17,480 Speaker 1: I'm trying to think of, Like, what's a cute little 746 00:35:17,600 --> 00:35:19,600 Speaker 1: ditty that we could do it too? For now? We 747 00:35:19,600 --> 00:35:23,160 Speaker 1: could just be like, are you gonna boost? Are you 748 00:35:23,200 --> 00:35:24,960 Speaker 1: gonna break? No, we didn't. This is just new. 749 00:35:27,640 --> 00:35:29,880 Speaker 2: In the background. Find us some theme music. 750 00:35:30,440 --> 00:35:32,480 Speaker 1: Yes, you know what here, this is what we're gonna do. 751 00:35:32,840 --> 00:35:34,880 Speaker 1: Brown a bitch and listeners, Mandy and I would love 752 00:35:34,960 --> 00:35:39,080 Speaker 1: a really cute booster break Diddy. Okay, So if you 753 00:35:39,120 --> 00:35:42,600 Speaker 1: can sing us a little songy song and send it 754 00:35:42,640 --> 00:35:45,200 Speaker 1: to us, maybe dms via Instagram? Is that a good 755 00:35:45,200 --> 00:35:46,359 Speaker 1: place to send a little songy song? 756 00:35:46,440 --> 00:35:46,640 Speaker 2: Sure? 757 00:35:46,760 --> 00:35:49,479 Speaker 1: Sure, right, dm us on Instagram with your little songy 758 00:35:49,560 --> 00:35:53,360 Speaker 1: song about boosting and breaking brown boosts, brown break, Brown boost, 759 00:35:53,400 --> 00:35:56,160 Speaker 1: brown Break? What you're gonna do? No, that's some bad voice. 760 00:35:56,440 --> 00:35:59,160 Speaker 1: But yeah, see I'm just I'm tap dry. So if 761 00:35:59,200 --> 00:36:04,000 Speaker 1: you have a keep booster breaks song, send it. Maybe 762 00:36:04,040 --> 00:36:06,440 Speaker 1: we'll play it, and we will, we will, you know, 763 00:36:07,480 --> 00:36:08,680 Speaker 1: you know, we'll shout out your ig. 764 00:36:08,840 --> 00:36:10,920 Speaker 2: How about that? That sounds good? And I know I'm 765 00:36:10,960 --> 00:36:12,480 Speaker 2: no help because all I can think of is the 766 00:36:12,480 --> 00:36:14,880 Speaker 2: wheels on the bus which was being which was bopping 767 00:36:14,920 --> 00:36:17,759 Speaker 2: in the car this morning, and the ba Keyway theme song. 768 00:36:17,840 --> 00:36:19,600 Speaker 2: But I got nothing, But let's get into it. What're 769 00:36:19,600 --> 00:36:21,960 Speaker 2: you gonna do tif boost or break? Today? 770 00:36:22,719 --> 00:36:27,399 Speaker 1: I am going to boost because I had therapy right before, 771 00:36:27,440 --> 00:36:30,279 Speaker 1: because I know we chatted prior and you were like, 772 00:36:30,320 --> 00:36:31,800 Speaker 1: before this, you took like an hour or two to 773 00:36:32,680 --> 00:36:35,040 Speaker 1: kind of think about the show, and I took the 774 00:36:35,080 --> 00:36:36,880 Speaker 1: hour to like, you know, just kind of like decompressed 775 00:36:36,880 --> 00:36:41,600 Speaker 1: from therapy. So I cannot tell you how helpful therapy 776 00:36:41,680 --> 00:36:45,360 Speaker 1: has been, not just for obviously this grief process, because 777 00:36:45,400 --> 00:36:48,000 Speaker 1: today was like a really rough day, and certainly, you 778 00:36:48,000 --> 00:36:49,360 Speaker 1: know I was telling you my therapist, I'm like, I 779 00:36:49,400 --> 00:36:52,200 Speaker 1: woke up so anxious and I couldn't. I didn't understand why. 780 00:36:52,280 --> 00:36:53,959 Speaker 1: And you know, she helped me to see, like there's 781 00:36:54,000 --> 00:36:56,560 Speaker 1: just a lot of triggers in my house that just 782 00:36:56,640 --> 00:36:59,879 Speaker 1: like I just missing Darrell honestly, and how to see 783 00:37:00,040 --> 00:37:03,200 Speaker 1: grief as a wave, not you know, you hear like 784 00:37:03,320 --> 00:37:05,280 Speaker 1: the five stages of grief. She's like, you know, they've 785 00:37:05,360 --> 00:37:08,200 Speaker 1: since debunked that, therapist, because that's just not how grief 786 00:37:08,560 --> 00:37:10,560 Speaker 1: like reveals itself. It's more like a wave. There's ebbs 787 00:37:10,600 --> 00:37:12,839 Speaker 1: and flows, and that's gonna be natural. Some days the 788 00:37:12,880 --> 00:37:14,640 Speaker 1: wave is gonna be really big and all I can 789 00:37:14,680 --> 00:37:17,160 Speaker 1: do is anchor myself to the beach. And some days, 790 00:37:17,400 --> 00:37:19,359 Speaker 1: you know, the waves will barely brust my feet and 791 00:37:19,360 --> 00:37:21,840 Speaker 1: that will just be and that's normal. So that helped 792 00:37:21,880 --> 00:37:24,919 Speaker 1: a lot. But also like we're not just working through, Yes, 793 00:37:25,000 --> 00:37:28,720 Speaker 1: the grief, that is definitely the main priority, but also 794 00:37:29,640 --> 00:37:34,240 Speaker 1: I've been working through, you know, like unearthing why sometimes 795 00:37:34,239 --> 00:37:36,400 Speaker 1: I have a hard time having the hard conversations and 796 00:37:37,000 --> 00:37:39,400 Speaker 1: I'm like on the cusp of finally being able to 797 00:37:39,400 --> 00:37:42,440 Speaker 1: shake some of that so I can be free of that. 798 00:37:42,520 --> 00:37:44,719 Speaker 1: If there is one heavy thing that hangs around my 799 00:37:44,760 --> 00:37:47,160 Speaker 1: neck outside of the grief, it has been hanging around 800 00:37:47,200 --> 00:37:49,839 Speaker 1: my neck since I was in elementary school? Is why 801 00:37:49,880 --> 00:37:53,200 Speaker 1: am I afraid to say the hard things? And I 802 00:37:53,239 --> 00:37:54,759 Speaker 1: know why I'm afraid to say the hard things. And 803 00:37:54,800 --> 00:37:57,680 Speaker 1: I've been practicing saying the hard things and I'm getting 804 00:37:57,680 --> 00:38:00,279 Speaker 1: so much better at it. And so I just don't 805 00:38:00,280 --> 00:38:02,960 Speaker 1: know what I would do without therapy, because it just 806 00:38:03,000 --> 00:38:04,840 Speaker 1: would have been this thing that I got used to 807 00:38:04,960 --> 00:38:08,560 Speaker 1: dragging along with me. And so I just encourage, like, 808 00:38:08,640 --> 00:38:10,440 Speaker 1: you know, asking for help whatever that might look like. 809 00:38:10,440 --> 00:38:12,960 Speaker 1: It might look like coaching, it might look like therapy. 810 00:38:13,120 --> 00:38:17,680 Speaker 1: But this black girl over here is here only because 811 00:38:18,160 --> 00:38:22,520 Speaker 1: of you know, my ability to have help through this journey, 812 00:38:22,600 --> 00:38:26,400 Speaker 1: like you know, professionally, personally and otherwise. And so just 813 00:38:27,160 --> 00:38:30,720 Speaker 1: a black girl brown boost for therapy and black therapists. 814 00:38:30,719 --> 00:38:32,799 Speaker 1: Oh my gosh, Doctor Green is amazing. You know, there's 815 00:38:32,800 --> 00:38:35,120 Speaker 1: stuff that we could talk about, sister girl talk. You 816 00:38:35,160 --> 00:38:37,359 Speaker 1: know that I don't have to explain what I mean. 817 00:38:37,400 --> 00:38:39,200 Speaker 1: And She's like, no, I got exactly, I'm picking up 818 00:38:39,200 --> 00:38:40,240 Speaker 1: what you putting down, Tiffany. 819 00:38:40,600 --> 00:38:44,359 Speaker 2: So yeah, I mean, yeah, I'm such a huge fan 820 00:38:44,360 --> 00:38:47,080 Speaker 2: of therapy too, and I also feel like getting it 821 00:38:47,120 --> 00:38:50,920 Speaker 2: before you absolutely need it should be normalized too, because 822 00:38:50,920 --> 00:38:53,880 Speaker 2: for me, it's like the mental health emergency Fund, like 823 00:38:53,920 --> 00:38:55,960 Speaker 2: I may not need it, but I'm still going to 824 00:38:56,040 --> 00:38:59,239 Speaker 2: be squirreling away, you know, some money. So that and 825 00:38:59,280 --> 00:39:02,279 Speaker 2: by money, I mean having my biweekly appointments, even if 826 00:39:02,280 --> 00:39:05,000 Speaker 2: I don't feel like there's something that I need, because 827 00:39:05,440 --> 00:39:07,600 Speaker 2: I mean, even you, after what you went through, I'm 828 00:39:07,600 --> 00:39:09,200 Speaker 2: so glad. I know you had that moment where you 829 00:39:09,239 --> 00:39:11,319 Speaker 2: weren't sure she could even really see you because of 830 00:39:11,360 --> 00:39:14,239 Speaker 2: the state laws and stuff. But thankfully she could. But 831 00:39:14,520 --> 00:39:17,320 Speaker 2: how amazing. And then you don't have to tell someone 832 00:39:17,360 --> 00:39:19,840 Speaker 2: all about you and start from scratch. And that I 833 00:39:19,960 --> 00:39:23,440 Speaker 2: have someone because with my life, it's always something. Eventually, 834 00:39:23,480 --> 00:39:26,480 Speaker 2: there will always be something. So I love that. I 835 00:39:26,520 --> 00:39:29,959 Speaker 2: love it. So what can I boost today? I actually, ooh, 836 00:39:29,960 --> 00:39:31,279 Speaker 2: this is what I wanted to boost. So I read 837 00:39:31,280 --> 00:39:34,040 Speaker 2: this article about these tenants in the Bronx and I 838 00:39:34,040 --> 00:39:37,960 Speaker 2: thought this the whole story isn't incredible, and we'll put 839 00:39:37,960 --> 00:39:40,120 Speaker 2: the article in the show links. But the headline is 840 00:39:40,719 --> 00:39:45,600 Speaker 2: a landlord underestimated his tenants. Now they could own the building. Okay, 841 00:39:45,719 --> 00:39:48,640 Speaker 2: So a new landlord came into the Bronx, bought a 842 00:39:48,680 --> 00:39:51,640 Speaker 2: building and threatened to raise rents and kick out the tenants. 843 00:39:51,640 --> 00:39:54,680 Speaker 2: But the tenants banded together, and because they took this 844 00:39:54,760 --> 00:39:57,480 Speaker 2: landlord to court, they have now each been able to 845 00:39:57,560 --> 00:40:00,960 Speaker 2: purchase their apartments for guess what. This is a Manhattan 846 00:40:00,960 --> 00:40:05,480 Speaker 2: apartment in the Bronx two five hundred dollars each. Wow, 847 00:40:05,960 --> 00:40:09,680 Speaker 2: this is a dozen tenants from most small Bronx apartment building. 848 00:40:09,800 --> 00:40:12,000 Speaker 2: So I love this story. We'll share the We'll share 849 00:40:12,040 --> 00:40:15,000 Speaker 2: the link in the show notes. But I love it 850 00:40:15,080 --> 00:40:19,200 Speaker 2: David versus Goliath, especially at a time in New York 851 00:40:19,239 --> 00:40:21,160 Speaker 2: where I've got friends who are finally moving back to 852 00:40:21,239 --> 00:40:23,920 Speaker 2: New York post pandemic. Well it's not post pandemic, but 853 00:40:24,000 --> 00:40:26,719 Speaker 2: you know, you could get apartments in New York in 854 00:40:26,760 --> 00:40:29,160 Speaker 2: twenty twenty twenty twenty one for really for a lot 855 00:40:29,200 --> 00:40:33,239 Speaker 2: lower rent because everyone was going the other direction. But 856 00:40:33,360 --> 00:40:35,840 Speaker 2: now the rents are going back up, like we're talking 857 00:40:35,880 --> 00:40:38,680 Speaker 2: double digit rent increases, some even more than that. So 858 00:40:39,520 --> 00:40:41,640 Speaker 2: I love this story. I thought it was just a cute, 859 00:40:41,640 --> 00:40:46,600 Speaker 2: little not even cute and exciting David versus Goliath where 860 00:40:46,640 --> 00:40:50,759 Speaker 2: the David's actually won. Let's talk about the picture is 861 00:40:50,760 --> 00:40:53,800 Speaker 2: wearing my target dress. Yeah, I also have I'm like you. 862 00:40:54,280 --> 00:40:56,600 Speaker 1: I love a target dress. I mean, is there anything 863 00:40:56,640 --> 00:40:58,640 Speaker 1: better than the target dress? It just really isn't. 864 00:41:00,120 --> 00:41:03,399 Speaker 2: This particular dress traumatized me because it it buttons all 865 00:41:03,440 --> 00:41:06,160 Speaker 2: the way down the front and I had one. This 866 00:41:06,320 --> 00:41:08,040 Speaker 2: was can I go there? I'm gonna go there. I 867 00:41:08,080 --> 00:41:10,280 Speaker 2: was on the way to work in the before times. 868 00:41:10,320 --> 00:41:12,719 Speaker 2: I had this dress on plus like a bag that 869 00:41:12,760 --> 00:41:16,000 Speaker 2: went across my you know, strapped across the front or whatever. 870 00:41:16,360 --> 00:41:18,719 Speaker 2: Slowly but surely, each of those buttons was popping open 871 00:41:19,320 --> 00:41:21,799 Speaker 2: on the sixth train and it was it was it 872 00:41:21,840 --> 00:41:23,560 Speaker 2: was a. 873 00:41:23,239 --> 00:41:24,360 Speaker 1: Given a show girl. 874 00:41:24,680 --> 00:41:26,879 Speaker 2: Oh my god, was I giving it. I've never been 875 00:41:26,920 --> 00:41:29,920 Speaker 2: so mortified in my life when this woman tapped me 876 00:41:29,920 --> 00:41:31,920 Speaker 2: and she was like ma'am and she looked down and 877 00:41:31,960 --> 00:41:35,880 Speaker 2: I was like, oh oh, oh. 878 00:41:36,239 --> 00:41:38,000 Speaker 1: Mandy was holding off to the pole and working a 879 00:41:38,040 --> 00:41:38,839 Speaker 1: pole at the same time. 880 00:41:38,880 --> 00:41:42,480 Speaker 2: And then in the subway, listen, if you've never been 881 00:41:42,520 --> 00:41:45,000 Speaker 2: a working woman who had to go to CBS with 882 00:41:45,080 --> 00:41:47,719 Speaker 2: safety pins and pin herself into a dress on a 883 00:41:47,760 --> 00:41:51,160 Speaker 2: work call, you know, then have you really lived? Have 884 00:41:51,239 --> 00:41:54,760 Speaker 2: you ever really found success? All Right? That's my break 885 00:41:55,040 --> 00:41:59,760 Speaker 2: and my my yes, my boost for the Bronx tenants. 886 00:42:00,239 --> 00:42:01,160 Speaker 2: Shout out to y'all. 887 00:42:01,520 --> 00:42:06,040 Speaker 1: Oh this was nice, did you guys? Miss us My 888 00:42:06,200 --> 00:42:09,319 Speaker 1: love language is words of information. I need to hear it. 889 00:42:09,880 --> 00:42:13,280 Speaker 2: Tell us, yes, tell us, shout us out on ig 890 00:42:13,640 --> 00:42:17,120 Speaker 2: We're at Brown Ambition Podcast. Thank y'all again, and quick 891 00:42:17,120 --> 00:42:21,320 Speaker 2: acknowledgment to our two time Webby Award winning show speaking 892 00:42:21,360 --> 00:42:24,680 Speaker 2: about you know, getting our flowers. Y'all helped us get 893 00:42:24,680 --> 00:42:28,080 Speaker 2: one of those webbys, so thank you for that. It 894 00:42:28,120 --> 00:42:31,600 Speaker 2: feels good. We're getting back Ish in a group. Yes, Ish, 895 00:42:32,560 --> 00:42:34,960 Speaker 2: we're also matching in more ways than one today. 896 00:42:35,120 --> 00:42:37,000 Speaker 1: I know I've both got a hair up in our show. 897 00:42:38,000 --> 00:42:42,560 Speaker 2: I know too much, little dainty necklaces. Yes, it's good 898 00:42:42,600 --> 00:42:42,879 Speaker 2: to have. 899 00:42:42,880 --> 00:42:45,080 Speaker 1: You back to Oh, it's good to be Backish. 900 00:42:46,000 --> 00:42:48,320 Speaker 2: Well until next week, y'all. This is a Brown Ambition 901 00:42:48,640 --> 00:42:52,400 Speaker 2: We're out bye, hey ba fam. We could not do 902 00:42:52,480 --> 00:42:55,000 Speaker 2: this show without your support or the support of our 903 00:42:55,040 --> 00:42:58,480 Speaker 2: team behind the scenes. The Brown Ambition Podcast is produced 904 00:42:58,480 --> 00:43:02,400 Speaker 2: by Cumulus Podcast Network. It's edited by the wonderful Imani 905 00:43:02,440 --> 00:43:06,399 Speaker 2: Crosby and produced by Tanya Bustos. Dennis Stimplinsky is our 906 00:43:06,400 --> 00:43:09,920 Speaker 2: in house techduru, and I am Bandy Woodard Santos your 907 00:43:09,920 --> 00:43:12,600 Speaker 2: co host, and I will see y'all next week.