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Speaker 1: Heyba fam, we are five years into making this podcast

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Speaker 1: that we love so much called Brown Ambition, and we

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Speaker 1: could not do it without you. We've gone from me

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Speaker 1: and Tiffany sneaking around my old office building trying to

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Speaker 1: find places to record, and thanks to you, guys, we

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Speaker 1: now have one hundred thousand downloads per month for this

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Speaker 1: little show called Brown Ambition. We would love to ask

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Speaker 1: y'all for a small favor as fans of the show. Tiffany,

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Speaker 1: what are we looking for?

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Speaker 2: Here's what we'd love from you, guys. We already have

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Speaker 2: over a thousand reviews and a five star rating on iTunes,

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Speaker 2: but you know it's better than one thousand reviews two

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Speaker 2: thousand reviews. If you get head on over to iTunes,

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Speaker 2: go to our Brown Ambition page, scroll on down to

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Speaker 2: the bottom, subscribe and leave us a five star rating

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Speaker 2: and review. So subscribe, rate review Not too much to ask,

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Speaker 2: right easyps. We love you guys, and thank you so

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Speaker 2: much for making Brown Ambition what it is. The last

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Speaker 2: five years have been amazing and it's all things to you. Hey, hey, hey,

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Speaker 2: we're back. We're black, We're bred abishan shout out to

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Speaker 2: Mandy's Mama. I saw the video sent me.

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Speaker 1: I love it. Listen, you can't be calling me. I'm

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Speaker 1: like that she doesn't know that. I listen. I think

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Speaker 1: it's like a criminal offense to take a video screen

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Speaker 1: recording of your Marco polos and send them to people,

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Speaker 1: but I sometimes I do it.

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Speaker 2: I'm like, what's a Marco Polo?

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Speaker 1: Oh? Marco Polo is the uh uh? It is the

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Speaker 1: best and worst app in my life right now. So

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Speaker 1: Marco Polo for people who like Snapchat but it's too complicated,

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Speaker 1: but they want to communicate with their relatives and family

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Speaker 1: and friends in a really easy way. And also, you

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Speaker 1: hate FaceTime because you're kind of trapped on the phone

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Speaker 1: with someone for a while. Marco Polo as you can

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Speaker 1: just send people video messes back and forth, kind of

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Speaker 1: like Marco, and then you're on the other side of

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Speaker 1: the pool and you yelled.

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Speaker 2: Polo Polo. Yeah, Okay. I love it and.

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Speaker 1: It's really fun and I recommend it for anyone who's

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Speaker 1: Because my sister's in Saint where is she Wisconsin? My

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Speaker 1: mom is in Saint Louis, Missouri. I'm obviously in New

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Speaker 1: York and it's been really difficult not being especially the

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Speaker 1: first year of you know, Rio's life, not having his

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Speaker 1: auntie or his grandma around that that much. So Marco

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Speaker 1: Polo was what kind of helps them feel? Like, like, literally,

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Speaker 1: if I don't send them a message every hour of

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Speaker 1: the day, at least a little snapshot, then I have

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Speaker 1: phone calls like are you okay? What's going on? Are

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Speaker 1: you having a bad day? Oh? But uh it's I

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Speaker 1: hope I'm not. Anyway, it's a it's a it's a

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Speaker 1: good app ultimately. But yeah, so anyway, my mom had

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Speaker 1: sent me she does listen to the show, and now

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Speaker 1: she's proving it because this is why I can't talk

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Speaker 1: smack about her anymore. On the show, she was like

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Speaker 1: she started one of her messages with hey, hey, hey,

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Speaker 1: oh no, that's a differy things like yeah, mom, I

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Speaker 1: love it.

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Speaker 2: That's who she could use it on me. I got

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Speaker 2: so it technically doesn't belong to.

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Speaker 1: Me, right, I mean, but he's not a real person.

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Speaker 1: So is that a character or whatever? I know?

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Speaker 2: Or like D from What's Happening? I'm aging myself. There

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Speaker 2: used to be this show, No, no, there was. It's

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Speaker 2: not D. It was the guy it was. There's a

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Speaker 2: show called What's happening, and there was a guy I

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Speaker 2: forget his name, but he used to say I think

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Speaker 2: his name was Dwayne, Hey, hey, and so like when

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Speaker 2: I was really little, I remember it coming on.

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Speaker 1: So that's where I got it from. Well, now see,

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Speaker 1: now you've just ruined that. Everyone thought that Tiffany, Wow,

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Speaker 1: she is clever. She came up with this whole catchphrase.

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Speaker 1: Oh well now we know five years.

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Speaker 2: And oh so this is not so good news. But

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Speaker 2: I was just asking you earlier, had you heard about

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Speaker 2: CC the sixth figure chick.

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Speaker 1: I had not heard of her until this week.

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Speaker 2: Actually, yeah, so she is one of the when she

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Speaker 2: was because she passed away on August fourteenth, twenty twenty,

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Speaker 2: not just a few days ago. She one of the

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Speaker 2: ogs in the digital marketing digital sales game as a

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Speaker 2: black woman.

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Speaker 1: CC.

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Speaker 2: Almost any black woman who was selling anything online will

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Speaker 2: tell you that, you know, they have gotten a director

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Speaker 2: in direct help from CC. She you know, was just

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Speaker 2: nothing short of amazing. She used to do this thing

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Speaker 2: where she would show her gross sales every every week

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Speaker 2: or month. She would show you how much she was making.

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Speaker 2: How she really broke down, how do you sell a

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Speaker 2: good product or really hurts your services, but with integrity.

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Speaker 2: She was just she just I mean, there's so many

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Speaker 2: I used to just go to her page and just

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Speaker 2: soak up and be like I never thought about it

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Speaker 2: that way. She literally had like she would post things

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Speaker 2: like how to make money selling classes online, and if

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Speaker 2: you want to make this amount of money, here's how

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Speaker 2: you'd break that down. She was so transparent and open

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Speaker 2: and just gave so much value you really, I have

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Speaker 2: never seen someone give that much value in that space before.

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Speaker 2: And she was specifically for black and brown women, and

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Speaker 2: so she just will be sorely missed. But you know,

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Speaker 2: seeing so CC had cancer, I think she was in remission,

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Speaker 2: but she had been to cancer and be there I

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Speaker 2: think three times over the last like ten years, you know,

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Speaker 2: or the last five years, I think. But what she

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Speaker 2: passed away from was pneumonia. I'm not sure like where

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Speaker 2: it stemmed from. I don't believe it's stemmed from COVID

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Speaker 2: or anything like that. But but what was so telling

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Speaker 2: about her, the type of person that she was, is

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Speaker 2: that literally the day before CEC had posted like a

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Speaker 2: resource and this is a woman who was at the

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Speaker 2: time in the hospital. And it just goes to show

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Speaker 2: you that her real passion and true passion was being

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Speaker 2: of service to women like her who wanted to seek

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Speaker 2: ways to make money with integrity and helping other women.

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Speaker 2: And so I just wanted to just like send Ceci

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Speaker 2: a faraway hug and thank you for all that you've

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Speaker 2: done for us in this space. But also too, it

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Speaker 2: was a wake up call. Honestly, all the black and

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Speaker 2: brown women that I know that are like you know,

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Speaker 2: that started their own business and who sell things online

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Speaker 2: and things, we're all just kind of like it just

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Speaker 2: kind of a wake up call to like, are you

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Speaker 2: doing what you want to do how you want to

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Speaker 2: do it? Because clearly CC was, and it just was

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Speaker 2: a reminder like to realign like our rich journey, I

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Speaker 2: don't know, I remember, I know like it shook me

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Speaker 2: to the core. I've been watching them. I saw they

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Speaker 2: just bought a house in Portugal. Shout out to your

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Speaker 2: mom and Christina, and so that was another episode or

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Speaker 2: people who just had me look at my life and

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Speaker 2: say I want to realign. And CC was one of

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Speaker 2: those people too. But yeah, I've just been thinking a

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Speaker 2: lot about realignment, realignment, realignment, and so that definitely shook

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Speaker 2: me to the core. So yeah, I just want to

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Speaker 2: shock her out.

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Speaker 1: Well thank you and sending lots of love to her family.

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Speaker 1: And I think if you see any black or brown

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Speaker 1: woman in a position where they are successful today, I

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Speaker 1: mean you have to. We can't get here without thinking

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Speaker 1: about the trailblazers before us, and there are you know,

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Speaker 1: this is a space personal finance space and advice. I

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Speaker 1: don't know when CEC got into the space, but it is.

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Speaker 1: It's an old enough space now. I think the online

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Speaker 1: revolution and like the creation of personal financial help and

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Speaker 1: education and services online really boomed after the you know,

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Speaker 1: Great Recession, and you know it's been over ten years now,

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Speaker 1: and there's people who have been rocking with it since

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Speaker 1: the beginning and really paving the way. And it feels

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Speaker 1: like CEC was one of those pioneers.

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Speaker 2: Absolutely, and you can still follow her because her stuff

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Speaker 2: is just still you know. I just feel like even

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Speaker 2: her legacy is the surface she left behind for us.

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Speaker 2: So it's like Instagram, right, it's underscore, the six figure

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Speaker 2: chick underscore. So I would certainly go in because, like

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Speaker 2: I said, she was posting from her hospital bed resources

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Speaker 2: like you can do it. Here's how you can. I mean,

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Speaker 2: so to me. It just speaks volumes about what she

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Speaker 2: wanted to leave behind for us, and she really did.

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Speaker 2: Like I said, she was the mostansparent businesswoman I've ever seen.

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Speaker 2: I mean, you knew exactly how much she made, how

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Speaker 2: she made it in which way. Yeah, CC was amazing.

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Speaker 1: I love it all right. Underscore six figure Chick on

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Speaker 1: Instagram The six figure Chick Underscore the six figure Chick

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Speaker 1: Underscore Magically. I am sure a link will appear in

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Speaker 1: our show notes because we have mentioned it here. Kelly, Hello, Kelly,

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Speaker 1: Yay oh man, Well, Ken, I mean that was I'm

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Speaker 1: really glad we took some time to pay tribute to CC.

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Speaker 1: Can we talk a little bit about what's happening in

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Speaker 1: these streets to these postal boxes right now? Oh my gosh,

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Speaker 1: I mean the post office, Like I'm trying to catch up,

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Speaker 1: but it seems so there's a lot happening. Obviously, he

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Speaker 1: who must not be named our commander in whatever whining

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Speaker 1: apparently so he, I think, And this is just me,

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Speaker 1: like Mandy, like, just what kind of what I've been

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Speaker 1: reading through the lines as I've been trying to read

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Speaker 1: and not read and watch and not watch the news

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Speaker 1: for my own mental health. But it seems like he's scurred. Y'all,

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Speaker 1: the polls are not looking hot. He has really effed

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Speaker 1: up the whole response to this pandemic right now, and

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Speaker 1: the election is what eighty days away, maybe like a

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Speaker 1: little bit less than eighty days away. Kamala being named

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Speaker 1: to the as a nominee as the why can't I

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Speaker 1: find words? As a vice presidential nominee alongside Biden on

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Speaker 1: the ticket for twenty twenty. I think that has Republicans

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Speaker 1: shook us because it's become very apparent that they don't

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Speaker 1: exactly know how to attack her because there's a lot

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Speaker 1: of things. There's just not very much there. There's not

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Speaker 1: neat on the bone like there was for Hillary, when

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Speaker 1: you could really just tap into people's loathing of the

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Speaker 1: Clintons and all that. Anyway, so Trump seems to be

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Speaker 1: coming for not just the right to vote, but the

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Speaker 1: ability to vote by mail. And the way that he's

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Speaker 1: doing that is like he has a point to some

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Speaker 1: guide to the Postal Service, who is now pulling, like

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Speaker 1: defunding in some way some of the crucial services, and

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Speaker 1: the post Service is struggling like financially because people are

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Speaker 1: not using their services. So much in the time of COVID,

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Speaker 1: but then it seems like all of this has like

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Speaker 1: kicked up in the last week and all over social

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Speaker 1: and I personally haven't looked to see if these images

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Speaker 1: are like have been corroborated, and I probably should have,

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Speaker 1: and I, like y'all, have just been seeing them on Twitter,

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Speaker 1: people sharing them on instant and all that of like

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Speaker 1: actual mailboxes being put on the back of trucks and

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Speaker 1: then carded away. So the message, and this is what's

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Speaker 1: really terrifying, is the message is getting out there that

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Speaker 1: it's going to be hard to vote by mail this election.

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Speaker 1: And I kind of wanted to just talk about that

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Speaker 1: and talk about some facts around what you can do

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Speaker 1: and how you can as much as you can try

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Speaker 1: to be sure that your vote counts this year, because

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Speaker 1: I'm worried that people are gonna like these images. They're terrifying,

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Speaker 1: and we need to be doing things to support the

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Speaker 1: post office. Like one of the most simple things you

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Speaker 1: can do is go on to go online and buy

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Speaker 1: a roll of stamps by the fevers. In fact, I

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Speaker 1: think that they're about to increase the price, so it's

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Speaker 1: not a bad time to get a role forever stamps anyway,

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Speaker 1: because you know, you buy it at the current price

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Speaker 1: and then you have those stamps forever. You don't have to,

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Speaker 1: you know, buy additional stamps if the price goes up.

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Speaker 1: But yeah, let's let's like what's your perception, benif Like,

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Speaker 1: what have you seen and and you know, what are

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Speaker 1: your thoughts on everything going on?

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Speaker 2: No, it's honestly really scary. I think I saw like

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Speaker 2: it was like a quote by our forever president, Barack Obama,

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Speaker 2: and he was like, uh, never have we seen an

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Speaker 2: actual president say I am going to be shutting down

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Speaker 2: basically the post office so you can't vote against me.

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Speaker 2: Like that's he basically has said that, Like I don't

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Speaker 2: want you to vote. I don't I don't want you

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Speaker 2: to vote me out. I just how is this allowed?

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Speaker 2: I'm not gonna lie. There's just you know, it's just

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Speaker 2: like too much. You're just like, how is this allowed?

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Speaker 2: How are you allowed to openly try to cheat and

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Speaker 2: steal the election with impunity?

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Speaker 1: You know? I just yeah, well, it's only allowed if

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Speaker 1: our elected officials allow it to happen. I mean that.

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Speaker 1: And it's like, but the thing is, I mean, there

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Speaker 1: have been even before Trump I mean the party in power.

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Speaker 1: And I'm not going to say Democrats are without their

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Speaker 1: faults as well, and probably have participated in, you know,

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Speaker 1: different strategies that make it more difficult to people who

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Speaker 1: oppose them to get out there to vote. But the

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Speaker 1: current voting system truly favors people who tend to vote

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Speaker 1: you know, Republican. I mean you think about black voters,

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Speaker 1: lets you know, voters, immigrant voters, I mean, there are

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Speaker 1: there are whole like there are whole vehicles in motion

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Speaker 1: meant to suppress their ability and their right to vote.

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Speaker 1: And it's it's happening now. I mean, and you know,

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Speaker 1: y'all know, I'm from Georgia, and I talk about Stacy

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Speaker 1: Abrams a lot and what she has done since she

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Speaker 1: quote unquote lost the gubernatorial race in Georgia a couple

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Speaker 1: of years ago, you know, and she has been fighting

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Speaker 1: to raise awareness about you know, suppression of voter rights

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Speaker 1: in Georgia. But it's not just Georgia. It's all over

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Speaker 1: and you know, I just want people to understand. So

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Speaker 1: the fear here and this is what Trump is kind

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Speaker 1: of like trying to get away with saying, oh, if

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Speaker 1: people vote by mail, there's going to be a lot

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Speaker 1: of fraud. So we have to prevent people from vote

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Speaker 1: voting by mail because there's going to be fraud. Just

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Speaker 1: this very scary kind of like buzzword that his base

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Speaker 1: just loves voter fraud, which has no basis in fact,

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Speaker 1: like many things that he has said, but whatever the

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Speaker 1: thing is, Like he's trying like absentee voting is male

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Speaker 1: in voting, like people have been doing it for a

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Speaker 1: long There's whole states where everyone votes by mail. This

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Speaker 1: is not like a new concept, but he's making it

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Speaker 1: kind of seem like it's this foreign way of voting

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Speaker 1: and oh my goodness, it's just not reliable and all that.

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Speaker 1: But here's what you guys can do. And I really want,

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Speaker 1: like tele a friend to tell a friend because I

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Speaker 1: feel like, you know, I ever really know where people

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Speaker 1: are coming from or what they're reading, where they're getting

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Speaker 1: their news, and you know what perceptions they may have.

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Speaker 1: But there are many states where you can actually vote early.

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Speaker 1: So if you're if you are, you know at this point,

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Speaker 1: I know family of mine in Georgia is even just

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Speaker 1: like doesn't trust the post office, like they're worried if

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Speaker 1: they put their vote in the mail. You know it'll

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Speaker 1: get lost, but they're also worried that they're going to

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Speaker 1: stand in line at a polling place and catch COVID

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Speaker 1: and potentially die because you know who's COVID killing at

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Speaker 1: a higher rate Black Americans, So it's like a catch

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Speaker 1: twenty two. So they feel insecure about their vote counting

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Speaker 1: if they vote by mail, but they also are worried

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Speaker 1: about risking their health by showing up to the polls.

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Speaker 1: So if you are determined to vote in person, see

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Speaker 1: if you can vote early in your state. I was

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Speaker 1: just checking New York. We can definitely vote early, So

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Speaker 1: I'm figuring out how to do that, and this happened

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Speaker 1: to me. I talked about like the primary this summer,

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Speaker 1: if you guys were caught in like hours long lines,

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Speaker 1: like I was in my county because voter turnout was

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Speaker 1: high and they had low so many polling places because

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Speaker 1: there's like there's like such low numbers of volunteers for

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Speaker 1: polls because of the COVID situation. There were really long

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Speaker 1: lines during the primary and I and I actually had

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Speaker 1: to step out of line because they didn't have childcare.

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Speaker 1: So I went home and Thenrika had to go out

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Speaker 1: and he voted that night, but I didn't, and I

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Speaker 1: was like, there's no way in hell this is happening

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Speaker 1: to me during the presidential election. So we're going to

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Speaker 1: try to go out and vote early. That's one way

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Speaker 1: to make sure your vote counts, and that you're kind

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Speaker 1: of limiting your risk by trying to avoid those crowds.

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Speaker 1: See and request. The thing is like mail in voting.

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Speaker 1: Like if the government were to say, yes, let's make

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Speaker 1: mail in voting available for every American, We're going to

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Speaker 1: send everyone in ballot, that would be the ideal solution,

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Speaker 1: right but right now that's not what's happening because Trump

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Speaker 1: and his cronies are really trying hard to not let

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Speaker 1: that happen. That being said, you can still request an

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Speaker 1: absentee ballot. And I don't know exactly what the like,

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Speaker 1: what the reasons you have to put on the absentee ballot,

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Speaker 1: like what you can select to say why you have

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Speaker 1: to vote absentee, but it's worth a try. And that's

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Speaker 1: another way to you know, mailing your vote and have

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Speaker 1: it counted. Because absentee ballots they are counted not as quickly,

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Speaker 1: but they do get counted. I just really, I just

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Speaker 1: hate the idea of people being I mean, I know

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Speaker 1: it's it could be so much easier, but I just

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Speaker 1: I it pisses me off that where that he could

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Speaker 1: possibly be discouraging people from getting out there and voting.

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Speaker 1: And this is not the time to sit down, like

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Speaker 1: we need everybody, We need everybody and we have I

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Speaker 1: don't just want him to lose, like I want him

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Speaker 1: to be obliterated, like we need to send a message.

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Speaker 1: I feel desperate in this and I haven't even been like,

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Speaker 1: you know, I assume a lot of our listeners you know,

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Speaker 1: aren't aren't aren't really Trump supporters. I mean, I'm just

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Speaker 1: gonna make an educated guest. Maybe that's true, but I

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Speaker 1: don't want to make anyone feel, you know, uncomfortable about

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Speaker 1: their political leanings. But I know lots of Republicans who

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Speaker 1: don't support this, Like, I mean, what he stands for

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Speaker 1: are not values. I mean, they're conservative, but they're not

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Speaker 1: they're there. You can't you can't. What I don't. What

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Speaker 1: I don't think people can get away with this time

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Speaker 1: around is you had a lot of Republicans last election

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Speaker 1: saying and I'll shut up with this in I mean,

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Speaker 1: I know I've been talking a lot. Sorry, I have

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Speaker 1: a lot of Republicans say, you know, oh, well I don't.

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Speaker 1: I don't believe in his you know, his social policies

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Speaker 1: or his you know, his his obviously you know, racist

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Speaker 1: and xenophobic beliefs. But you know, I'm I'm a Republican

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Speaker 1: and I believe in smaller government and less taxes, and

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Speaker 1: I just got to vote for this guy. Like I

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Speaker 1: think at this point, you can't. Like maybe in twenty sixteen,

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Speaker 1: maybe you could say that, you know, you can get

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Speaker 1: away with saying, well, he won't do what all he

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Speaker 1: says about these social issues. He's just going to go

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Speaker 1: in and you know, and and push, you know, toward

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Speaker 1: a more conservatives fiscal policy and all that. But he

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Speaker 1: has shown you who he is now, so when you

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Speaker 1: cast your vote for him, it's going to show us

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Speaker 1: who you are, and it's going to it's just going

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Speaker 1: to be unacceptable. I just can't. I just don't know

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Speaker 1: how anyone could, you know, cast a vote for him,

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Speaker 1: And I I think it'll be even more devastating than

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Speaker 1: it was in twenty sixteen if he wins. And I'm

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Speaker 1: truly scared that that's what will happen. If people you

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Speaker 1: know aren't out there voting, and Tiffany, you may now

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Speaker 1: don't mean to be quiet, but no.

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Speaker 2: I think it's that. I mean, it's just that important.

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Speaker 2: I mean, there's no I don't know because before I know,

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Speaker 2: people voted because it was like, what's the worst that

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Speaker 2: can happen? We are literally living in the worst that

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Speaker 2: could happen, not even the worst, but meaning that.

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Speaker 1: We couldn't imagine what it could be. Now it's yeah,

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Speaker 1: even I.

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Speaker 2: Was like, oh no, I don't want. I was like, wow,

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Speaker 2: to have someone so ill equipped to manage during literal

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Speaker 2: crisis and to have people die as a result.

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Speaker 1: Yeah, I just.

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Speaker 2: Yeah, I just we have to get out there there

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Speaker 2: and vote. I mean, there's just no other.

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Speaker 1: And we're all tired, right, we're tired, exhausted. There's a

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Speaker 1: lot to be cynical about. There is, especially if you're

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Speaker 1: a black body in this country. I know, exactly know.

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Speaker 1: But please show up, Please show up and vote early.

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Speaker 1: Bring a friend with you. Tell everyone if you can

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Speaker 1: vote early in your in your state. Let everyone know

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Speaker 1: that you can. You know, we need facts to win.

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Speaker 1: We definitely, definitely, definitely do also fill out your US Census. Okay,

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Speaker 1: this completes your US government APEUS government class.

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Speaker 2: You know, the census taker came to my house this weekend.

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Speaker 1: Did they really we didn't get one? Yeah, okay.

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Speaker 2: I was surprised. I was like, you guys are coming

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Speaker 2: out so, I mean, they had their masks on, and

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Speaker 2: I just like answered them at the door. I mean

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Speaker 2: I answered, like, but I was surprised because I was like, oh, okay.

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Speaker 1: Well, you know, they're ending the census early for no

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Speaker 1: good reason, but they're doing it a little bit earlier

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Speaker 1: than planned. I think the end of September now September thirtieth.

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Speaker 1: It was supposed to go through October. Let's talk about

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Speaker 1: a sense of so because you can't. The census is

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Speaker 1: it's only done every ten years, and it is how

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Speaker 1: governments decide like who is in different districts, like what's

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Speaker 1: the racial makeup demographics? This all is, this all feeds

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Speaker 1: into policies. So the legislation that's happening, the rules that

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Speaker 1: are being implemented that you don't agree with, like part

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Speaker 1: of that happens because of the census. And it's incredibly important,

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Speaker 1: so important that like Cardi b even did an ad

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Speaker 1: for New York, like a viral ad for New York

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Speaker 1: to fill out New Yorkers to fill out the census.

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Speaker 1: But you got to do it, and they're giving you

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Speaker 1: even less time than usual. Of course why because the

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Speaker 1: people in power it doesn't behoove them if brown and

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Speaker 1: black people show up in the census. And there's all

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Speaker 1: kinds of really terrible like misinformation out there being shared

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Speaker 1: on social media, like if you fill out a census

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Speaker 1: and you're an illegal immigrant, that you can be deported

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Speaker 1: and things like that, which is not true. Yeah, it's

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Speaker 1: another it's another way that you know, uh, people are

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Speaker 1: trying to suppress the vote of or sorry, suppress the

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Speaker 1: voice of black and brown Americans. And we've got to

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Speaker 1: get out there. Please fill out your senses. You can

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Speaker 1: do it online, just google Census. You can do it online.

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Speaker 1: You don't have to wait for someone to knock on

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Speaker 1: your door.

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Speaker 2: Yeah no, I mean, I you can do it online.

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Speaker 2: And that's also I mean they've been mailing like the

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Speaker 2: like the census paper.

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Speaker 1: I think we got the paper. Yeah, I think we

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Speaker 1: got the paper too.

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Speaker 2: Yeah, I think mailed like they I've gotten it so

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Speaker 2: many times. So there's just so many ways make yourself

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Speaker 2: be counted.

431
00:21:22,600 --> 00:21:24,000
Speaker 1: Let's put a link. We'll put a link in our

432
00:21:24,040 --> 00:21:27,240
Speaker 1: show notes. Yeah can say that, you know, Okay, well

433
00:21:27,240 --> 00:21:29,399
Speaker 1: made a little bit easier for y'all, but I'm sure that.

434
00:21:29,640 --> 00:21:31,520
Speaker 1: And I'll also find a good resource for you to

435
00:21:31,520 --> 00:21:33,880
Speaker 1: find out if you can vote early. But let's let's

436
00:21:33,880 --> 00:21:35,400
Speaker 1: I don't think it's too early to be starting. Look,

437
00:21:35,400 --> 00:21:37,520
Speaker 1: they already got pumpkin spice things on the shelves, y'all,

438
00:21:37,760 --> 00:21:40,080
Speaker 1: Like we can be talking about November election. Let's let's

439
00:21:40,119 --> 00:21:41,520
Speaker 1: do it exactly.

440
00:21:41,960 --> 00:21:44,280
Speaker 2: This is something that's totally random. But have you seen

441
00:21:44,480 --> 00:21:48,120
Speaker 2: like there's this is a New York Times. I don't

442
00:21:48,119 --> 00:21:50,359
Speaker 2: know if it's New York Times, but I just saw

443
00:21:50,400 --> 00:21:53,199
Speaker 2: something where it's like there's a growing phenomenon in marriage

444
00:21:53,240 --> 00:21:56,359
Speaker 2: called living apart together or lots, which I'm like, that

445
00:21:56,440 --> 00:21:59,919
Speaker 2: is so millennial. Lets what we're couples, Yes, we're couples

446
00:22:00,480 --> 00:22:03,280
Speaker 2: choose not to live together even after marriage. Given the

447
00:22:03,400 --> 00:22:06,520
Speaker 2: chance to do this, would you be would you be

448
00:22:06,600 --> 00:22:09,840
Speaker 2: married living get living separately with your partner? I'm like, wow,

449
00:22:10,760 --> 00:22:13,200
Speaker 2: I never heard of that before. But I mean I've

450
00:22:13,240 --> 00:22:17,679
Speaker 2: heard of I've definitely heard of not necessarily married people,

451
00:22:17,800 --> 00:22:22,280
Speaker 2: but people like a Steedman and an Oprah or Goldie

452
00:22:22,280 --> 00:22:24,760
Speaker 2: Hawn and Kurt Russell, like folks who are like in

453
00:22:24,880 --> 00:22:28,560
Speaker 2: long term like you know, partnerships that they have their

454
00:22:28,600 --> 00:22:30,560
Speaker 2: own houses and things like that, but they're not married,

455
00:22:30,560 --> 00:22:35,440
Speaker 2: but then you know they together. Yeah, but well, I

456
00:22:35,520 --> 00:22:37,080
Speaker 2: don't know. I don't well, honestly, I don't mean.

457
00:22:37,160 --> 00:22:39,600
Speaker 1: I think Oprah and seventy seven play is his own

458
00:22:39,600 --> 00:22:45,320
Speaker 1: wing of the estate, right, But isn't that like yeah,

459
00:22:45,440 --> 00:22:47,440
Speaker 1: I mean, I'm not gonna say it's weird because I know,

460
00:22:48,520 --> 00:22:51,880
Speaker 1: but I guess it's kind of like, uh, it's it's this.

461
00:22:52,000 --> 00:22:54,359
Speaker 1: Is this the new separate bedrooms or separate beds? You know,

462
00:22:54,400 --> 00:22:56,360
Speaker 1: like in the sixties or whatever, they should show like

463
00:22:56,359 --> 00:22:58,639
Speaker 1: like couples bedrooms and they would have like separate beds.

464
00:22:59,119 --> 00:23:01,520
Speaker 2: I wonder if this is the new separate beds or

465
00:23:01,560 --> 00:23:07,040
Speaker 2: separate bedrooms, what's the benefit? Yeah, I guess it's like

466
00:23:08,000 --> 00:23:09,320
Speaker 2: I don't know, it's financial.

467
00:23:09,680 --> 00:23:10,480
Speaker 1: Is it a tax thing?

468
00:23:11,480 --> 00:23:13,840
Speaker 2: No? I think the benefit is you can only get

469
00:23:13,880 --> 00:23:14,920
Speaker 2: on my nerves but so much.

470
00:23:15,040 --> 00:23:17,280
Speaker 1: But I'm like, but that's part of marriage.

471
00:23:17,800 --> 00:23:19,439
Speaker 2: I think. I don't know. I just thought that that

472
00:23:19,520 --> 00:23:22,400
Speaker 2: was interesting, Like someone's like, what's the point in that exactly,

473
00:23:22,480 --> 00:23:24,800
Speaker 2: Like isn't that the point of why not just have

474
00:23:24,880 --> 00:23:25,520
Speaker 2: a boyfriend?

475
00:23:25,840 --> 00:23:26,080
Speaker 1: Yeah?

476
00:23:26,080 --> 00:23:26,720
Speaker 2: A girlfriend?

477
00:23:26,840 --> 00:23:29,199
Speaker 1: By why I get married? Like, yeah, I have to

478
00:23:29,200 --> 00:23:30,880
Speaker 1: do that marriage.

479
00:23:30,840 --> 00:23:33,639
Speaker 2: You really don't. So I just thought that that was

480
00:23:33,760 --> 00:23:37,119
Speaker 2: really interesting. Like last I would love to hear from y'all.

481
00:23:37,320 --> 00:23:41,400
Speaker 2: Maybe maybe hashtag us like so tag me the Budgeanista

482
00:23:41,600 --> 00:23:45,560
Speaker 2: Mandy Mandy with an Eye, Money and Brian and Vision

483
00:23:45,600 --> 00:23:49,280
Speaker 2: podcast on Insta and let us know what do you

484
00:23:49,320 --> 00:23:50,840
Speaker 2: think about and then let us know what you think

485
00:23:50,880 --> 00:23:53,879
Speaker 2: about lat so hashtag lat you know, could you consider

486
00:23:54,000 --> 00:23:56,080
Speaker 2: living apart while you're together.

487
00:23:57,160 --> 00:23:59,000
Speaker 1: I'm sure a lot of people would just love to

488
00:23:59,040 --> 00:24:00,919
Speaker 1: have a backup house so that they could just like

489
00:24:00,920 --> 00:24:04,000
Speaker 1: there's a little bridge that connects them. I had there

490
00:24:04,040 --> 00:24:06,200
Speaker 1: was some celebrity couple that had to they had two

491
00:24:06,240 --> 00:24:08,480
Speaker 1: houses connected by a bridge, and like he lived in

492
00:24:08,480 --> 00:24:10,639
Speaker 1: one house and she lived in the other. Sometimes that

493
00:24:10,680 --> 00:24:13,360
Speaker 1: would be nice, But I still like my husband enough

494
00:24:13,400 --> 00:24:14,560
Speaker 1: to like want to live with him.

495
00:24:15,359 --> 00:24:17,720
Speaker 2: That's the only way to me, Like, I feel like

496
00:24:17,760 --> 00:24:21,879
Speaker 2: I could do that if I was like not liking

497
00:24:21,920 --> 00:24:23,560
Speaker 2: my husband and I'm old, I could see, like, you know,

498
00:24:23,640 --> 00:24:25,240
Speaker 2: being like seventy years old, Like yeah, he gets on

499
00:24:25,280 --> 00:24:28,159
Speaker 2: my nerve. But anybody getting divorced at seventy that I

500
00:24:28,200 --> 00:24:31,280
Speaker 2: could see that or which I have seen happen, especially

501
00:24:31,280 --> 00:24:34,840
Speaker 2: for immigrant families. It's like he goes to such and

502
00:24:34,880 --> 00:24:37,520
Speaker 2: such country first to make away for us like that

503
00:24:37,680 --> 00:24:40,000
Speaker 2: I can see, you know, But there's no judgment. I'm

504
00:24:40,000 --> 00:24:42,480
Speaker 2: just curious, like some of y'all young'ins, would you be

505
00:24:42,520 --> 00:24:43,919
Speaker 2: open to let living?

506
00:24:45,000 --> 00:24:49,200
Speaker 1: So yeah, living? All right? Well, uh well, definitely interested

507
00:24:49,200 --> 00:24:52,840
Speaker 1: in y'all's responses to that. If you're still, you know,

508
00:24:52,920 --> 00:24:55,560
Speaker 1: in love with your spouse five months into quarantine, then

509
00:24:55,560 --> 00:24:58,720
Speaker 1: God bless you. And we're doing it, y'all, Like we

510
00:24:58,800 --> 00:25:03,360
Speaker 1: haven't killed our spouse's yet. Enrique still lives and it's

511
00:25:03,440 --> 00:25:06,679
Speaker 1: kind of crazy. Five months into this thing. It's nuts.

512
00:25:06,920 --> 00:25:10,720
Speaker 1: I will say, homeboy Rio started to crawl last week, y'all,

513
00:25:10,760 --> 00:25:14,360
Speaker 1: and I like, like really crawl, and I always knew

514
00:25:14,359 --> 00:25:15,679
Speaker 1: he was going to be very good at it as

515
00:25:15,720 --> 00:25:17,840
Speaker 1: soon as he you know, he really wants to walk.

516
00:25:17,920 --> 00:25:20,879
Speaker 1: He's he's not down with this whole crawling life. He

517
00:25:20,920 --> 00:25:23,119
Speaker 1: would prefer if he could walk like a grown adult,

518
00:25:23,440 --> 00:25:25,840
Speaker 1: but he he'll deal with crawling because it's a good

519
00:25:25,880 --> 00:25:29,800
Speaker 1: way to get into Molly's dog dishes. But it's next

520
00:25:29,880 --> 00:25:33,080
Speaker 1: level uh quarantining with working from home with the with

521
00:25:33,160 --> 00:25:35,359
Speaker 1: the U with a crawler. I have to say it's

522
00:25:35,680 --> 00:25:37,800
Speaker 1: I'm not sure if I don't know how much longer

523
00:25:37,800 --> 00:25:39,840
Speaker 1: I could do this, But so far, so good. And

524
00:25:39,840 --> 00:25:42,280
Speaker 1: shout out to y'all again for for hanging in there.

525
00:25:43,240 --> 00:25:45,679
Speaker 2: Oh well, let's take a quick.

526
00:25:45,520 --> 00:25:49,760
Speaker 1: Break after your lessons in civics and be right back.

527
00:26:25,359 --> 00:26:27,000
Speaker 1: All right, we are back.

528
00:26:27,920 --> 00:26:31,600
Speaker 2: It's time for question my favorite part, my favorite pot,

529
00:26:31,640 --> 00:26:32,800
Speaker 2: my favorite pad.

530
00:26:33,400 --> 00:26:35,840
Speaker 1: Yeah. Well, before we get into y'all's questions again, you

531
00:26:35,880 --> 00:26:38,960
Speaker 1: can go to Brand Ambition Podcast dot com. You can

532
00:26:38,960 --> 00:26:41,560
Speaker 1: send us a question there by clicking on ask us Anything,

533
00:26:41,920 --> 00:26:44,400
Speaker 1: or hit us up directly on DM on Instagram. We're

534
00:26:44,440 --> 00:26:48,120
Speaker 1: at Brown Ambition Podcast on Insta or email us Brown

535
00:26:48,160 --> 00:26:52,280
Speaker 1: Ambition Podcast at gmail dot com dot com. All right,

536
00:26:52,359 --> 00:26:55,520
Speaker 1: let me dig through my my reader bag, all right

537
00:26:55,520 --> 00:26:57,280
Speaker 1: before we get into your questions. I really want to

538
00:26:57,320 --> 00:27:00,159
Speaker 1: Sometimes you guys send us just really thoughtful messages and

539
00:27:00,200 --> 00:27:02,560
Speaker 1: they mean so much to me in Tiffany when we

540
00:27:02,560 --> 00:27:03,919
Speaker 1: get them. So I wanted to share one that we

541
00:27:03,960 --> 00:27:07,000
Speaker 1: got from someone who wants to remain anonymous. She's someone

542
00:27:07,040 --> 00:27:09,240
Speaker 1: who recently saw Tiffany on Queerie and she's in a

543
00:27:09,240 --> 00:27:12,480
Speaker 1: same sex relationship, and she had this to say. I

544
00:27:12,520 --> 00:27:14,840
Speaker 1: saw Tiffany on Queerie and my wife said, wait, what

545
00:27:14,920 --> 00:27:17,680
Speaker 1: did she say? Rewind it. Ever since then, I have

546
00:27:17,760 --> 00:27:20,000
Speaker 1: been listening to y'all's podcast, and we signed up for

547
00:27:20,040 --> 00:27:23,200
Speaker 1: the liverach Or Academy. My wife used to literally stay

548
00:27:23,200 --> 00:27:26,080
Speaker 1: awake at night thinking about money moves. The podcast and

549
00:27:26,119 --> 00:27:29,359
Speaker 1: the literature Academy have been a blessing. I am black

550
00:27:29,359 --> 00:27:31,880
Speaker 1: and my wife is white. We face discrimination at work

551
00:27:31,920 --> 00:27:35,080
Speaker 1: in various forms due to our quote unquote lifestyle. These

552
00:27:35,160 --> 00:27:37,679
Speaker 1: challenges have led us to seek other career paths. We

553
00:27:37,760 --> 00:27:39,639
Speaker 1: decided to focus on what makes us happy as a

554
00:27:39,680 --> 00:27:43,320
Speaker 1: couple and as moms, feeling fulfilled and at peace. We

555
00:27:43,400 --> 00:27:45,560
Speaker 1: have to say that this podcast in its messages have

556
00:27:45,600 --> 00:27:47,879
Speaker 1: been a welcome relief to us. I don't have black

557
00:27:47,920 --> 00:27:50,640
Speaker 1: friends and have been longing to have positive black voices

558
00:27:50,680 --> 00:27:53,119
Speaker 1: in my ear. Our son, who are our world, is

559
00:27:53,160 --> 00:27:56,639
Speaker 1: also Caucasian. I am outnumbered at home and at work.

560
00:27:56,960 --> 00:27:59,199
Speaker 1: We took so many boxes and diversity that we are

561
00:27:59,320 --> 00:28:02,240
Speaker 1: very isolated. Our goal is to move to France because

562
00:28:02,240 --> 00:28:05,439
Speaker 1: we feel comfortable and welcome there as a lesbian interracial couple.

563
00:28:05,840 --> 00:28:09,000
Speaker 1: We're all taking French classes and moving towards those goals daily.

564
00:28:09,359 --> 00:28:12,760
Speaker 1: We loved the Our Rich Journey episode. The grace and

565
00:28:12,840 --> 00:28:15,840
Speaker 1: serenity they have is something to aspire to obtain. Not

566
00:28:15,960 --> 00:28:17,879
Speaker 1: to give my entire life story. I just wanted to

567
00:28:17,880 --> 00:28:19,720
Speaker 1: say that I really appreciate you both.

568
00:28:21,000 --> 00:28:25,200
Speaker 2: Oh that's really send you yeah, sending your love some hugs.

569
00:28:25,359 --> 00:28:28,720
Speaker 2: You know, that's you know, it's not easy being quote

570
00:28:28,800 --> 00:28:31,119
Speaker 2: unquote other, you know. I mean, that's why you know,

571
00:28:31,280 --> 00:28:35,880
Speaker 2: Mandy and I do this podcast because Mandy, you represent

572
00:28:35,960 --> 00:28:39,480
Speaker 2: other in different ways, and I represent other in different ways, and.

573
00:28:39,800 --> 00:28:42,000
Speaker 1: But we're not doing all the others. There's so many others.

574
00:28:42,400 --> 00:28:46,760
Speaker 2: And I know, and that's why I think I was

575
00:28:46,800 --> 00:28:49,000
Speaker 2: telling somebody. I think it was I was. I wasn't

576
00:28:49,080 --> 00:28:51,080
Speaker 2: we going to talk about the Elevate conference later on

577
00:28:51,160 --> 00:28:54,360
Speaker 2: but in our brob break, But I was. I helped

578
00:28:54,400 --> 00:28:58,360
Speaker 2: to do the opening of this conference called Elevate, which

579
00:28:58,520 --> 00:29:02,640
Speaker 2: seeks to give voice to other in the personal finance space,

580
00:29:03,040 --> 00:29:06,720
Speaker 2: like so LGBTQ. I think I'm saying it right. I'm sorry,

581
00:29:06,720 --> 00:29:11,280
Speaker 2: I'm not, but also black and brown and Asian and

582
00:29:11,280 --> 00:29:15,400
Speaker 2: and you know, because they're just even despite all the

583
00:29:15,480 --> 00:29:19,920
Speaker 2: movement that's been made in this space, largely the voice

584
00:29:20,160 --> 00:29:23,160
Speaker 2: of you know, what's heard in the personal finance spaces

585
00:29:23,280 --> 00:29:26,760
Speaker 2: is white and male, and you know, and that is

586
00:29:26,840 --> 00:29:30,600
Speaker 2: one perspective. It's not invalid, but it's not the only perspective,

587
00:29:31,080 --> 00:29:34,120
Speaker 2: and neither is mine. I don't speak for all black

588
00:29:34,200 --> 00:29:36,840
Speaker 2: or brown women, and nor should I. I just think

589
00:29:36,880 --> 00:29:40,160
Speaker 2: that there's so much room and necessity for so many

590
00:29:40,200 --> 00:29:42,640
Speaker 2: different voices. And I'm just so happy to see that

591
00:29:42,640 --> 00:29:46,760
Speaker 2: that's happening and that you found us, and yay, and yes,

592
00:29:47,040 --> 00:29:50,440
Speaker 2: our rich journey is also a great resource. I've been like,

593
00:29:50,440 --> 00:29:52,760
Speaker 2: like you said, the grace and serenity chap me and

594
00:29:52,840 --> 00:29:54,520
Speaker 2: Maddy have been swirling ever since.

595
00:29:54,760 --> 00:30:00,000
Speaker 1: Yeah, they had such a you know for such lovely, peaceful,

596
00:30:00,120 --> 00:30:02,960
Speaker 1: calm individuals. They just make waves wherever they go. It

597
00:30:02,960 --> 00:30:05,560
Speaker 1: feels like I love, I think the value in them

598
00:30:05,600 --> 00:30:07,120
Speaker 1: and what Tiffany I both seem to have gotten out

599
00:30:07,160 --> 00:30:10,840
Speaker 1: of it was just just like, you know, pause and

600
00:30:11,080 --> 00:30:13,600
Speaker 1: oh wait a second, let's let's reassess how we are

601
00:30:13,720 --> 00:30:15,960
Speaker 1: living life or how we are working and just be

602
00:30:16,080 --> 00:30:18,360
Speaker 1: open to that. And I love that y'all are thinking

603
00:30:18,440 --> 00:30:21,560
Speaker 1: about France because I think stories like Christina and a

604
00:30:21,600 --> 00:30:24,400
Speaker 1: Mon's are really powerful because they show you a different

605
00:30:24,400 --> 00:30:26,920
Speaker 1: way of life, like why not Portugal? It makes you,

606
00:30:26,960 --> 00:30:29,240
Speaker 1: it forced you to ask that question, well, why don't

607
00:30:29,280 --> 00:30:31,840
Speaker 1: I move to France where I would feel more comfortable,

608
00:30:32,240 --> 00:30:34,840
Speaker 1: especially in the time of COVID, when it makes even

609
00:30:34,920 --> 00:30:36,360
Speaker 1: less sense that I live where I do now with

610
00:30:36,400 --> 00:30:39,720
Speaker 1: these high ass taxes. There's no school and like it's

611
00:30:39,840 --> 00:30:40,800
Speaker 1: very expensive, and I'm.

612
00:30:40,720 --> 00:30:41,840
Speaker 2: Like, well, well why do I live here?

613
00:30:41,880 --> 00:30:43,680
Speaker 1: Oh? Because it's you know, a good commute to work,

614
00:30:43,720 --> 00:30:46,120
Speaker 1: the way that we have, just like we have all

615
00:30:46,160 --> 00:30:48,960
Speaker 1: just built our lives around you know, this way of life,

616
00:30:49,000 --> 00:30:51,560
Speaker 1: this nine to five or you know, wherever your business

617
00:30:51,600 --> 00:30:55,240
Speaker 1: is based. And yeah, it's a really good inflection point.

618
00:30:55,680 --> 00:30:58,480
Speaker 1: And I'm happy to hear that. You know, the show

619
00:30:58,520 --> 00:31:00,560
Speaker 1: is helping you get there, and also stories Christina and

620
00:31:00,600 --> 00:31:03,320
Speaker 1: Aman's and but I get it. I know, I can

621
00:31:03,400 --> 00:31:05,920
Speaker 1: kind of understand what it's like to be you know,

622
00:31:06,000 --> 00:31:09,640
Speaker 1: you're so many layers of other that people sometimes don't

623
00:31:09,640 --> 00:31:12,040
Speaker 1: know what to do with you, Like, oh, which box

624
00:31:12,160 --> 00:31:15,000
Speaker 1: I put you in? Like, oh, seven five different boxes?

625
00:31:15,000 --> 00:31:20,200
Speaker 1: I cannot compute error error and it's not fair, but

626
00:31:20,280 --> 00:31:23,280
Speaker 1: it's good for y'all to, you know, speak out and

627
00:31:23,760 --> 00:31:26,520
Speaker 1: remind folks that you know, not everyone is. You know,

628
00:31:26,560 --> 00:31:28,920
Speaker 1: there are these others, you know types out there, and

629
00:31:29,840 --> 00:31:31,640
Speaker 1: y'all are just as valid and your concerns are just

630
00:31:31,680 --> 00:31:32,720
Speaker 1: as valid as everyone else.

631
00:31:33,480 --> 00:31:34,320
Speaker 2: Yes for sure.

632
00:31:34,640 --> 00:31:37,560
Speaker 1: All right, well, thank you for sending that message, Anonymous.

633
00:31:37,760 --> 00:31:40,960
Speaker 1: All right, well, let's back to our regularly scheduled programming.

634
00:31:41,000 --> 00:31:43,080
Speaker 1: Let's get to a question. This one's a good one.

635
00:31:43,080 --> 00:31:45,680
Speaker 1: This comes from a listener who was recently furloughed and

636
00:31:45,720 --> 00:31:49,040
Speaker 1: has a question about her credit debt. All right, I

637
00:31:49,040 --> 00:31:51,080
Speaker 1: can get my screen shot back. All right, Hey, ladies,

638
00:31:51,160 --> 00:31:53,000
Speaker 1: she says, I'd like to be called Raven. And the

639
00:31:53,000 --> 00:31:55,120
Speaker 1: baby's eating, so you know it's in your time. Here,

640
00:31:55,160 --> 00:31:57,680
Speaker 1: see all my here, little a little rio magic in

641
00:31:57,720 --> 00:32:01,200
Speaker 1: the background. All right, Raven says, hey ladies, I am

642
00:32:01,640 --> 00:32:04,680
Speaker 1: here repping the dream Catchers. I desperately need advice because

643
00:32:04,680 --> 00:32:07,760
Speaker 1: I want to make the right steps in securing my future.

644
00:32:08,400 --> 00:32:11,240
Speaker 1: And it's my first week back to work after being furlowed. Okay,

645
00:32:11,240 --> 00:32:13,800
Speaker 1: so she's been furlowed for several months. She's been able

646
00:32:13,840 --> 00:32:15,680
Speaker 1: to save a lot because she cut out a lot

647
00:32:15,680 --> 00:32:19,200
Speaker 1: of unnecessary bills and no longer has a car payment.

648
00:32:19,520 --> 00:32:22,200
Speaker 1: I'm living on my noodle noodle budget, she says. Show

649
00:32:22,280 --> 00:32:25,360
Speaker 1: it's tiffany. My main bills are my rent, insurance, and internet,

650
00:32:25,440 --> 00:32:28,960
Speaker 1: so about fourteen hundred dollars. During my time off from work,

651
00:32:29,040 --> 00:32:31,800
Speaker 1: I've started working on my own business. Okay. So while

652
00:32:31,840 --> 00:32:34,000
Speaker 1: she was furloughed, she started to think about ways to

653
00:32:34,200 --> 00:32:37,280
Speaker 1: invest in her own business, and she's wanting to invest

654
00:32:37,320 --> 00:32:40,640
Speaker 1: about three thousand dollars into herself, which she says, I

655
00:32:40,640 --> 00:32:42,600
Speaker 1: feel I can save up for as I usually can

656
00:32:42,640 --> 00:32:46,480
Speaker 1: save about five hundred dollars every other paycheck. However, my

657
00:32:46,520 --> 00:32:48,720
Speaker 1: biggest concern, she says, is about the last of my

658
00:32:48,800 --> 00:32:53,040
Speaker 1: credit card debt, which is sixty six hundred dollars right now.

659
00:32:53,280 --> 00:32:56,520
Speaker 1: This card she's using has a zero percent interest rate,

660
00:32:57,040 --> 00:32:59,840
Speaker 1: but the promotion will be ending in September, and the

661
00:33:00,000 --> 00:33:02,640
Speaker 1: credit card issuer said that the interest rate could go

662
00:33:02,680 --> 00:33:07,280
Speaker 1: as high as thirty percent. My credit score is seven eighty, Okay,

663
00:33:07,400 --> 00:33:09,680
Speaker 1: she says. What should I do? Should I take the

664
00:33:09,680 --> 00:33:11,840
Speaker 1: money out of my savings and just pay the card off?

665
00:33:12,560 --> 00:33:14,800
Speaker 1: But that concerns me since I'm more than likely going

666
00:33:14,840 --> 00:33:19,640
Speaker 1: to be placed on furlough again in November until January. Okay,

667
00:33:20,880 --> 00:33:24,040
Speaker 1: so let's unpack this. So she's got this sixty six

668
00:33:24,160 --> 00:33:26,400
Speaker 1: hundred dollars of credit card debt on a zero percent

669
00:33:26,480 --> 00:33:28,440
Speaker 1: interest card. So it sounds like she got a great

670
00:33:28,760 --> 00:33:32,800
Speaker 1: promotional credit card offer. That's nice. She's been saving on

671
00:33:32,840 --> 00:33:35,120
Speaker 1: the side. She got like sixteen K in the bank.

672
00:33:35,200 --> 00:33:37,480
Speaker 1: She's probably whittled that down a little bit since she

673
00:33:37,560 --> 00:33:41,680
Speaker 1: was furloughed, but she's got some savings. September is coming, right,

674
00:33:41,760 --> 00:33:44,320
Speaker 1: it's very as soon upon us. Her interest rate promotion

675
00:33:44,400 --> 00:33:45,760
Speaker 1: is going to be ending. It could go up to

676
00:33:45,800 --> 00:33:49,960
Speaker 1: thirty percent. But she's got pretty decent credit. What are

677
00:33:50,000 --> 00:33:51,840
Speaker 1: you thinking, Tiffity.

678
00:33:51,680 --> 00:33:54,720
Speaker 2: Well, first I'm like, YI, so this is I'm glad

679
00:33:54,760 --> 00:33:59,840
Speaker 2: to Raven, Hey girl, DC, But I'm glad that this

680
00:33:59,920 --> 00:34:02,360
Speaker 2: is That's such a great question, because well, Raven, you're

681
00:34:02,400 --> 00:34:04,680
Speaker 2: in a great position. Because first thing I would do

682
00:34:05,400 --> 00:34:11,200
Speaker 2: is fly to Magnify money dot com and find fly, Yes, fly,

683
00:34:11,920 --> 00:34:14,360
Speaker 2: and find myself a balanced transfer card. Because you're in

684
00:34:14,400 --> 00:34:17,759
Speaker 2: a great position, Raven, because you have excellent credit. I

685
00:34:17,800 --> 00:34:20,799
Speaker 2: can't promise that whatever your balanced transfer card is going

686
00:34:20,840 --> 00:34:23,600
Speaker 2: to be, it's gonna take the full sixty six hundred,

687
00:34:24,000 --> 00:34:27,840
Speaker 2: but see how much you're able to get, and because

688
00:34:27,880 --> 00:34:30,600
Speaker 2: I quite honestly might go for two of them because

689
00:34:30,719 --> 00:34:34,960
Speaker 2: up to thirty percent, and that's compounding. So for those

690
00:34:34,960 --> 00:34:37,160
Speaker 2: of you, what I mean is this is that, let's

691
00:34:37,160 --> 00:34:40,080
Speaker 2: just say, for the sake of argument, Raven owed a

692
00:34:40,160 --> 00:34:42,239
Speaker 2: dollar and they were like, oh, you didn't pay off

693
00:34:42,239 --> 00:34:45,120
Speaker 2: this dollar. Your promotion ends. You're going to have to

694
00:34:45,120 --> 00:34:48,520
Speaker 2: pay thirty thirty cents on that dollar and fees. That's

695
00:34:48,560 --> 00:34:52,319
Speaker 2: a dollar thirty. And then what compounding means is that

696
00:34:52,520 --> 00:34:54,400
Speaker 2: if she doesn't pay off that dollar thirty by the

697
00:34:54,400 --> 00:34:58,000
Speaker 2: next month, she's paying an additional thirty percent on not

698
00:34:58,080 --> 00:35:01,160
Speaker 2: just the dollar again, but the full dollar thirty. Yeah,

699
00:35:01,400 --> 00:35:03,640
Speaker 2: and so every month it's just I mean, I'm making

700
00:35:03,640 --> 00:35:06,640
Speaker 2: it really simple obviously, but every month it's going to

701
00:35:07,080 --> 00:35:10,160
Speaker 2: you're going to be paying not just interest on the

702
00:35:10,280 --> 00:35:14,160
Speaker 2: on the principle the original dollar, but interest on the interest,

703
00:35:14,680 --> 00:35:17,440
Speaker 2: and interest on the interest interest, and interest on the

704
00:35:17,440 --> 00:35:20,520
Speaker 2: interest interest, Like do you see, Like, yeah, so it's

705
00:35:20,520 --> 00:35:24,280
Speaker 2: not five percent, it's not six percent, potentially thirty percent.

706
00:35:24,320 --> 00:35:28,600
Speaker 2: That's egregious. So I would literally fly up to magnify

707
00:35:29,239 --> 00:35:32,080
Speaker 2: mag ni f y magnify money dot com. And we're

708
00:35:32,080 --> 00:35:33,800
Speaker 2: not just shouting it out because that's where many works.

709
00:35:34,120 --> 00:35:38,120
Speaker 2: Well kind of because back they're about by London try,

710
00:35:38,600 --> 00:35:40,600
Speaker 2: but still it's still one of my favorite go to sites,

711
00:35:41,680 --> 00:35:45,200
Speaker 2: magnify money dot com. Look for a balanced transfer card,

712
00:35:45,360 --> 00:35:48,279
Speaker 2: maybe two if the first one doesn't fully take on

713
00:35:48,360 --> 00:35:52,560
Speaker 2: the sixty six hundred, Because normally, if if you weren't

714
00:35:52,600 --> 00:35:56,520
Speaker 2: to me, if raven, you weren't subject to furlough in

715
00:35:56,600 --> 00:35:58,799
Speaker 2: a month or so, I might just say, girl, take

716
00:35:58,800 --> 00:36:00,480
Speaker 2: that six thousand off from your sixty one hundred and

717
00:36:00,520 --> 00:36:03,120
Speaker 2: paid off. Normally, that's not what I would say, but

718
00:36:03,640 --> 00:36:06,520
Speaker 2: because of the potential high interest, that's what you know

719
00:36:06,560 --> 00:36:06,879
Speaker 2: I would.

720
00:36:06,920 --> 00:36:07,239
Speaker 1: I would.

721
00:36:07,280 --> 00:36:09,719
Speaker 2: I would have said that if we weren't in you know,

722
00:36:10,320 --> 00:36:13,040
Speaker 2: quarantine and pandemic and all that kind of stuff. Now,

723
00:36:13,160 --> 00:36:14,960
Speaker 2: because you're right, I need you to hold on to

724
00:36:15,040 --> 00:36:16,959
Speaker 2: your savings, but that's what I would do. I would

725
00:36:17,000 --> 00:36:20,040
Speaker 2: get one or two balanced transfer card to transfer that

726
00:36:20,080 --> 00:36:23,479
Speaker 2: balance so you can pay it down slowly without having

727
00:36:23,480 --> 00:36:25,439
Speaker 2: to tap into your savings, which you're going to need

728
00:36:25,680 --> 00:36:27,640
Speaker 2: because you know you can be furloughed soon. So that's

729
00:36:27,680 --> 00:36:28,440
Speaker 2: what I would do.

730
00:36:28,880 --> 00:36:31,319
Speaker 1: Yeah, and I think I mean, your credit score right

731
00:36:31,360 --> 00:36:34,080
Speaker 1: now is an asset, and this is we talk about

732
00:36:34,120 --> 00:36:36,520
Speaker 1: credit scores a lot. People are obsessed with their credit score,

733
00:36:36,640 --> 00:36:39,440
Speaker 1: and I think you it's the kind of asset you

734
00:36:39,520 --> 00:36:41,359
Speaker 1: kind of want to have in your back pocket when

735
00:36:41,440 --> 00:36:43,319
Speaker 1: times can be tough like this, because it gives you

736
00:36:43,400 --> 00:36:46,960
Speaker 1: access to affordable debt and in your case, with a

737
00:36:47,000 --> 00:36:49,680
Speaker 1: seven to eighty credit score, it's likely, you know, we

738
00:36:49,680 --> 00:36:51,920
Speaker 1: can't say for sure, but it's likely you could qualify

739
00:36:52,040 --> 00:36:54,520
Speaker 1: for another credit card offer that's as good as this

740
00:36:54,600 --> 00:36:58,000
Speaker 1: one zero percent for promotional period. So yeah, you can

741
00:36:58,040 --> 00:37:01,440
Speaker 1: start there. I was wondering though, So, you know, because

742
00:37:01,440 --> 00:37:04,200
Speaker 1: she's she's good at saving, obviously, she's got really good

743
00:37:04,239 --> 00:37:07,439
Speaker 1: financial habits. She's trying to go in the next year

744
00:37:07,680 --> 00:37:10,719
Speaker 1: because she's obviously in this career, this career path where

745
00:37:10,760 --> 00:37:14,480
Speaker 1: she's being furloughed. She says again, she'll be furlowed this fall.

746
00:37:14,760 --> 00:37:17,440
Speaker 1: She's already been furloughed once through the pandemic, and she's

747
00:37:17,640 --> 00:37:20,000
Speaker 1: wanting to pivot away from this career and start her

748
00:37:20,040 --> 00:37:22,520
Speaker 1: own business. Like what if she ends up in the

749
00:37:22,560 --> 00:37:25,640
Speaker 1: same predicament again, So like, let's say she gets another

750
00:37:25,680 --> 00:37:29,560
Speaker 1: twelve month APR, you know, for zero percent interest, and

751
00:37:29,760 --> 00:37:32,640
Speaker 1: it's next year and things have been a little bit rocky,

752
00:37:32,719 --> 00:37:37,080
Speaker 1: she's been furloughed, and like, I'm just I almost wonder, like,

753
00:37:37,160 --> 00:37:40,160
Speaker 1: what's the case for talking about like a debt consolidation

754
00:37:40,320 --> 00:37:42,480
Speaker 1: loan through a credit union at a super low rate,

755
00:37:42,560 --> 00:37:45,160
Speaker 1: because and this is just me presenting another option. I'm

756
00:37:45,200 --> 00:37:46,719
Speaker 1: not saying it's a better option. I mean, you do

757
00:37:46,760 --> 00:37:50,759
Speaker 1: it ultimately what you want to do, Raven, I forgot

758
00:37:50,800 --> 00:37:53,879
Speaker 1: your your code name, Raven. But like with a debt

759
00:37:53,880 --> 00:37:56,000
Speaker 1: consolidation loan, with your excellent credit, you know you can

760
00:37:56,000 --> 00:37:57,799
Speaker 1: probably get you know, rates are p really really low

761
00:37:57,880 --> 00:38:00,400
Speaker 1: right now, and go to a credit union see if

762
00:38:00,400 --> 00:38:03,560
Speaker 1: they can give you a a personal loan for the

763
00:38:03,680 --> 00:38:05,359
Speaker 1: amount that you want to pay off your credit card.

764
00:38:05,440 --> 00:38:07,919
Speaker 1: And that gives you that's that's a one time loan.

765
00:38:08,000 --> 00:38:10,160
Speaker 1: It's a fixed payment. You know how much you're going

766
00:38:10,200 --> 00:38:12,640
Speaker 1: to pay each month, and you know when the loan's

767
00:38:12,680 --> 00:38:14,520
Speaker 1: going to be paid off. And yes, you pay a

768
00:38:14,560 --> 00:38:16,359
Speaker 1: little bit of interest, but you don't have to worry

769
00:38:16,400 --> 00:38:19,759
Speaker 1: about it ever expiring and getting hit with Like the

770
00:38:19,800 --> 00:38:22,480
Speaker 1: thing about these zero percent EPR offers is sometimes they

771
00:38:22,480 --> 00:38:26,279
Speaker 1: even have a deferred interest clause, which isn't just like, oh,

772
00:38:26,320 --> 00:38:28,319
Speaker 1: your interest rate's going to go up, you know when

773
00:38:28,360 --> 00:38:30,680
Speaker 1: this promo period's over. It's also, oh, we're going to

774
00:38:30,760 --> 00:38:33,040
Speaker 1: go back to the very beginning and pretend like you

775
00:38:33,040 --> 00:38:35,399
Speaker 1: were paying interests the entire time and just smack all

776
00:38:35,440 --> 00:38:38,719
Speaker 1: that interest onto your balance and then, like Tiffany was saying,

777
00:38:38,760 --> 00:38:41,239
Speaker 1: then compounding interest takes over and then you're just like

778
00:38:41,600 --> 00:38:45,720
Speaker 1: seriously screwed. Yes, So I would consider as a second option.

779
00:38:46,160 --> 00:38:48,320
Speaker 1: You know, you know your financial picture better than anyone.

780
00:38:48,360 --> 00:38:51,200
Speaker 1: You know about your job and your ability to get

781
00:38:51,200 --> 00:38:53,759
Speaker 1: this business off the ground. But that's another option you

782
00:38:53,800 --> 00:38:54,800
Speaker 1: might want to look into.

783
00:38:54,680 --> 00:38:56,920
Speaker 2: Is you know, Yeah, that's a great one too. That

784
00:38:56,920 --> 00:38:59,640
Speaker 2: could talk to Mandy's point. So if you have two

785
00:39:00,640 --> 00:39:02,560
Speaker 2: so I know you're right, man, some people are just

786
00:39:02,600 --> 00:39:04,759
Speaker 2: totally obsessed with their credit And I'm always like, once

787
00:39:04,800 --> 00:39:08,160
Speaker 2: you have a seven fifty, you can calm down, Susan, Yeah,

788
00:39:09,000 --> 00:39:12,200
Speaker 2: because at eight fifty is like elusive. I know, but

789
00:39:12,239 --> 00:39:13,960
Speaker 2: I'm like nobody, it doesn't.

790
00:39:14,400 --> 00:39:15,080
Speaker 1: It doesn't, man.

791
00:39:15,560 --> 00:39:18,719
Speaker 2: I tell people like it's arranged literally seven fifty to

792
00:39:18,760 --> 00:39:21,919
Speaker 2: eight fifty. It's considered AA plus, Like we're both going

793
00:39:21,960 --> 00:39:24,280
Speaker 2: to Harvard boo, I will see you with my seven fifty.

794
00:39:24,719 --> 00:39:27,839
Speaker 2: So that's why. So I'm glad Raven that you've been

795
00:39:27,880 --> 00:39:29,759
Speaker 2: able to maintain a high credit score. Because now you

796
00:39:29,760 --> 00:39:32,480
Speaker 2: have two great options. You might do a mix and match.

797
00:39:32,840 --> 00:39:35,960
Speaker 2: You might do like, hey, let me see, because they

798
00:39:35,960 --> 00:39:38,479
Speaker 2: don't like, they don't tell you the balance cornsfer card

799
00:39:38,520 --> 00:39:40,160
Speaker 2: people that you choose, like I said, if you go

800
00:39:40,160 --> 00:39:42,600
Speaker 2: to Magnify money, they won't tell you how much until

801
00:39:42,600 --> 00:39:44,320
Speaker 2: it kind of goes through. So let's just say of

802
00:39:44,400 --> 00:39:47,920
Speaker 2: the sixty six hundred they say, hey, you know, you're

803
00:39:47,960 --> 00:39:50,839
Speaker 2: approved for four thousand, and then you might get as

804
00:39:50,880 --> 00:39:53,279
Speaker 2: many mentioned You might go to a credit union and

805
00:39:53,280 --> 00:39:55,239
Speaker 2: get the rest. So you can mix and match. You

806
00:39:55,280 --> 00:39:57,760
Speaker 2: can do one or the other. But because of your

807
00:39:57,800 --> 00:40:00,840
Speaker 2: of your good credit, you have options, which is really.

808
00:40:00,680 --> 00:40:04,440
Speaker 1: Good exactly, options and freedom to choose. So take advantage

809
00:40:04,440 --> 00:40:06,520
Speaker 1: of that. All right, can we take one more question?

810
00:40:06,560 --> 00:40:07,000
Speaker 1: You got time?

811
00:40:07,719 --> 00:40:08,120
Speaker 2: Of course?

812
00:40:08,200 --> 00:40:13,000
Speaker 1: Always? All right? Of always? What am I saying, Lord Tiffany,

813
00:40:13,040 --> 00:40:15,080
Speaker 1: I are both like sweating and our with no ac

814
00:40:15,280 --> 00:40:18,000
Speaker 1: on uh, just losing our minds. All right, here's a

815
00:40:18,080 --> 00:40:20,920
Speaker 1: question from a listener called Eve. All Right, Eve says,

816
00:40:20,960 --> 00:40:23,279
Speaker 1: high ladies, I want to start investing in stocks. Is

817
00:40:23,320 --> 00:40:25,839
Speaker 1: there an app you guys can recommend for beginners. I've

818
00:40:25,880 --> 00:40:28,360
Speaker 1: tried Acorns and didn't like it too much. I'm currently

819
00:40:28,360 --> 00:40:30,600
Speaker 1: looking into robin Hood and Stash, but I'm not sure

820
00:40:30,640 --> 00:40:33,880
Speaker 1: which would be better for beginners. This is a hot question.

821
00:40:33,960 --> 00:40:36,000
Speaker 1: Everyone with all their free time right now is trying

822
00:40:36,000 --> 00:40:39,839
Speaker 1: to get into stock investing, which is like good and bad. Yeah,

823
00:40:39,840 --> 00:40:42,719
Speaker 1: good because it's exciting to grow your wealth and you know,

824
00:40:42,920 --> 00:40:46,080
Speaker 1: I am all we're all about that. But yeah, these

825
00:40:46,080 --> 00:40:48,400
Speaker 1: are these are very common apps to Tiffany, you're a

826
00:40:48,400 --> 00:40:50,799
Speaker 1: fan of acorns. I think you also use robin Hood.

827
00:40:50,800 --> 00:40:54,160
Speaker 1: I've used I've used robin Hood. I've never used acorns

828
00:40:54,320 --> 00:40:56,759
Speaker 1: or stash, But yeah, what what what do you? What

829
00:40:56,840 --> 00:40:58,840
Speaker 1: are your opinions? Because all we can share is our opinions.

830
00:40:58,880 --> 00:41:01,200
Speaker 1: Really what we I mean.

831
00:41:01,600 --> 00:41:03,359
Speaker 2: If it depends on what you're trying to do, Like

832
00:41:03,960 --> 00:41:06,680
Speaker 2: I I call I like to use robin Hood for

833
00:41:06,719 --> 00:41:09,399
Speaker 2: what I call fun investing. That's why I'm like, oh,

834
00:41:09,520 --> 00:41:11,560
Speaker 2: you know, I heard of a hot stock or whatever.

835
00:41:11,719 --> 00:41:13,439
Speaker 2: Let me do some more research on blah blah blah.

836
00:41:13,440 --> 00:41:15,239
Speaker 2: I'm gonna buy a few of it. I'm not like

837
00:41:15,360 --> 00:41:20,400
Speaker 2: I don't use robin Hood for like hardcore like you know, investing,

838
00:41:20,520 --> 00:41:21,799
Speaker 2: not to say that you can't. I'm just saying how

839
00:41:21,800 --> 00:41:22,200
Speaker 2: I use it.

840
00:41:22,239 --> 00:41:24,400
Speaker 1: I just use it, I mean like long term.

841
00:41:25,280 --> 00:41:27,160
Speaker 2: Yeah, I mean like even though I don't really I'm

842
00:41:27,160 --> 00:41:29,239
Speaker 2: not really big on selling, but meaning like I use

843
00:41:29,320 --> 00:41:31,319
Speaker 2: robin Hood to kind of test out my theory. I'm like, oh,

844
00:41:31,360 --> 00:41:33,040
Speaker 2: I wonder how much let me see, let me get

845
00:41:33,040 --> 00:41:35,799
Speaker 2: the stock at this price. But then I use what

846
00:41:35,840 --> 00:41:38,040
Speaker 2: am I using for? Like the long term? What was that?

847
00:41:38,320 --> 00:41:39,520
Speaker 1: Like? I feel like it starts with the E.

848
00:41:39,920 --> 00:41:41,880
Speaker 2: It's a brokerage account that I actually used for like

849
00:41:41,920 --> 00:41:45,040
Speaker 2: if I'm going to do like bigger stock purchases.

850
00:41:44,800 --> 00:41:47,480
Speaker 1: Eat Trade because uh yeah, eat Trade Okay.

851
00:41:49,120 --> 00:41:50,880
Speaker 2: So I just use that for like, you know, like

852
00:41:51,000 --> 00:41:52,600
Speaker 2: more of a like an in depth like because I

853
00:41:52,719 --> 00:41:56,040
Speaker 2: like Holly, I'll use their tools I used to learn more.

854
00:41:56,239 --> 00:41:58,960
Speaker 2: I'm like, you know, really like more invested, and I

855
00:41:58,960 --> 00:42:00,840
Speaker 2: haven't used them in a while because I financial advisor

856
00:42:00,920 --> 00:42:04,239
Speaker 2: or financial planner now, But who does those things for me?

857
00:42:04,280 --> 00:42:05,839
Speaker 2: But That's what I was using it for back then,

858
00:42:06,080 --> 00:42:09,560
Speaker 2: But I despite I have so I've since rolled over

859
00:42:09,719 --> 00:42:13,400
Speaker 2: my E trade account money, but I still maintain my

860
00:42:13,480 --> 00:42:15,640
Speaker 2: robbin hood. So even though I have a financial planner,

861
00:42:16,000 --> 00:42:18,680
Speaker 2: whenever I hear about a stock where I'm interested or whatever,

862
00:42:18,719 --> 00:42:21,680
Speaker 2: I you know, I kind of give myself like a

863
00:42:21,719 --> 00:42:25,440
Speaker 2: few hundred dollars to purchase things when if it seems

864
00:42:25,480 --> 00:42:27,520
Speaker 2: to make sense for me. So, I mean, I'm probably

865
00:42:27,560 --> 00:42:29,759
Speaker 2: not the best persons because I'm not super heavy into

866
00:42:29,800 --> 00:42:32,320
Speaker 2: stock investing, but I do like robinhood at least to start.

867
00:42:32,640 --> 00:42:35,640
Speaker 1: Well. Yeah, and here's what I'll ask Eve is when

868
00:42:35,640 --> 00:42:37,480
Speaker 1: you talk about you want to get into stocks. And

869
00:42:37,520 --> 00:42:39,280
Speaker 1: I was just talking to my husband about this because

870
00:42:39,280 --> 00:42:41,120
Speaker 1: I have to remind him all the time, like, baby,

871
00:42:41,360 --> 00:42:44,120
Speaker 1: we are investing in stocks, we have index funds, we're

872
00:42:44,120 --> 00:42:48,319
Speaker 1: investing in hundreds of stocks. But it doesn't feel like

873
00:42:48,400 --> 00:42:51,000
Speaker 1: there's this idea of like trading stocks and investing that

874
00:42:51,080 --> 00:42:53,759
Speaker 1: kind of intimidates people because they think they need to

875
00:42:54,440 --> 00:42:57,600
Speaker 1: understand company financials and they need to watch CNBC and

876
00:42:58,120 --> 00:43:01,160
Speaker 1: you know, and readers and all this kind of thing

877
00:43:01,239 --> 00:43:04,560
Speaker 1: to invest. I think if you ask yourself first and foremost,

878
00:43:04,600 --> 00:43:06,319
Speaker 1: you know, what are your goals when you're talking about

879
00:43:06,360 --> 00:43:08,400
Speaker 1: you want to start investing in stocks? Is it like

880
00:43:08,440 --> 00:43:10,799
Speaker 1: Tiffany said, you know, you want to just see what

881
00:43:10,840 --> 00:43:13,000
Speaker 1: can happen with a few extra hundred dollars, you know,

882
00:43:13,000 --> 00:43:14,479
Speaker 1: if you invest in a little bit here, a little

883
00:43:14,480 --> 00:43:16,160
Speaker 1: bit there. You just want to like test things out.

884
00:43:16,440 --> 00:43:18,759
Speaker 1: I would say Robinhood's a great tool because it's a

885
00:43:18,880 --> 00:43:21,479
Speaker 1: really easy to use interface. I'm a fan of robin Hood.

886
00:43:21,640 --> 00:43:24,719
Speaker 1: It's commission free, so you don't get charged. A lot

887
00:43:24,719 --> 00:43:27,800
Speaker 1: of places because of Robinhood now offer commission free trades

888
00:43:27,840 --> 00:43:30,919
Speaker 1: because it's just fairly competitive and how can you beat it? Right,

889
00:43:31,440 --> 00:43:34,200
Speaker 1: So that's what makes it an attractive kind of app

890
00:43:34,200 --> 00:43:37,680
Speaker 1: for beginners. It's an easy interface. You transfer money and

891
00:43:37,680 --> 00:43:40,279
Speaker 1: then you can, you know, buy your stocks right then

892
00:43:40,320 --> 00:43:43,560
Speaker 1: and there. I think they even offer not just they

893
00:43:43,640 --> 00:43:45,600
Speaker 1: used to just do individual stocks, but I think now

894
00:43:45,600 --> 00:43:48,440
Speaker 1: you can actually buy mutual funds and ETFs through the

895
00:43:48,520 --> 00:43:50,840
Speaker 1: Robinhood app as well, which makes it even more attractive

896
00:43:51,719 --> 00:43:54,840
Speaker 1: because those types of investments are different than individual stocks.

897
00:43:55,200 --> 00:43:57,719
Speaker 1: With an ETF or a mutual fund, the beauty in

898
00:43:57,760 --> 00:44:00,440
Speaker 1: those is that you get exposure to all kinds of

899
00:44:00,600 --> 00:44:03,319
Speaker 1: stocks all in one little pretty package, and you don't

900
00:44:03,360 --> 00:44:07,000
Speaker 1: need to you know, it's more diversified, there's less you know,

901
00:44:07,000 --> 00:44:09,120
Speaker 1: it's a little bit less risky because all your eggs

902
00:44:09,160 --> 00:44:13,200
Speaker 1: aren't in one basket. Robinhood offers that I too use

903
00:44:13,280 --> 00:44:15,920
Speaker 1: robin Hood just to kind of mess around. But as

904
00:44:15,920 --> 00:44:17,920
Speaker 1: far as my goals, I mean, my goals are to

905
00:44:18,160 --> 00:44:21,480
Speaker 1: retire suon ish like in the next couple of decades,

906
00:44:21,800 --> 00:44:24,200
Speaker 1: which actually doesn't sound that long, like kind of freaks

907
00:44:24,239 --> 00:44:27,080
Speaker 1: me out. What in twenty years, I'll be done, like

908
00:44:27,120 --> 00:44:30,200
Speaker 1: what anyway, So that's my goal. So I've got like

909
00:44:30,239 --> 00:44:32,360
Speaker 1: twenty to thirty years that I'm trying to save towards.

910
00:44:32,360 --> 00:44:35,840
Speaker 1: So i have all of my investments outside of my

911
00:44:35,920 --> 00:44:40,200
Speaker 1: four one K in Vanguard in index funds, and and

912
00:44:40,360 --> 00:44:43,120
Speaker 1: I really I'm a Vanguard girl. I always have been.

913
00:44:43,560 --> 00:44:47,520
Speaker 1: And it's not the most it's not the sexiest interface,

914
00:44:47,600 --> 00:44:50,600
Speaker 1: it's not it's very blah. It kind of feels fuddy duddy.

915
00:44:50,920 --> 00:44:55,680
Speaker 1: But Vanguard is like the og of the everyday investors.

916
00:44:55,680 --> 00:44:58,040
Speaker 1: How I kind of feel like, you know, Jack bow

917
00:44:58,120 --> 00:45:01,399
Speaker 1: Will invented the index fund and everyone hated him back,

918
00:45:01,640 --> 00:45:03,719
Speaker 1: you know, back then. There's a lot of beauty I

919
00:45:03,760 --> 00:45:07,600
Speaker 1: think in the simplicity of the Vanguard experience and for

920
00:45:07,680 --> 00:45:09,160
Speaker 1: my goals, And you need to ask yourself what your

921
00:45:09,160 --> 00:45:13,120
Speaker 1: goals are too for long term investing. I'd choose Vanguard.

922
00:45:13,320 --> 00:45:15,239
Speaker 1: I used to have a target date fund through them,

923
00:45:15,239 --> 00:45:19,919
Speaker 1: but I recently ditched it and I selected index funds

924
00:45:19,960 --> 00:45:22,160
Speaker 1: on my own because I knew a little bit more.

925
00:45:22,239 --> 00:45:25,120
Speaker 1: Target date funds are really great for a beginning investor

926
00:45:25,200 --> 00:45:27,759
Speaker 1: because they take all the guesswork out of it. You

927
00:45:27,800 --> 00:45:30,399
Speaker 1: just decide, okay, what around what year do I want

928
00:45:30,440 --> 00:45:32,799
Speaker 1: to invest, and then you select the target date fund

929
00:45:32,800 --> 00:45:36,360
Speaker 1: that matches that year, and they automatically rebalance your portfolio

930
00:45:36,480 --> 00:45:38,719
Speaker 1: for you. The older you get, it gets more conservative,

931
00:45:38,800 --> 00:45:41,160
Speaker 1: so you're not exposing yourself to so much risk. It's

932
00:45:41,160 --> 00:45:44,360
Speaker 1: all very cool, but they, you know, the cost of

933
00:45:44,360 --> 00:45:46,799
Speaker 1: the target date fund is is super low too, which

934
00:45:46,800 --> 00:45:50,520
Speaker 1: makes it attractive. But once I learned more about which

935
00:45:50,560 --> 00:45:53,200
Speaker 1: index funds to choose, I could save even more and

936
00:45:53,200 --> 00:45:56,520
Speaker 1: get an even lower cost by picking them myself. But

937
00:45:56,680 --> 00:45:59,400
Speaker 1: for the first like I don't know how old was

938
00:45:59,440 --> 00:46:02,080
Speaker 1: I want to open my first four one K twenty four,

939
00:46:02,239 --> 00:46:04,600
Speaker 1: twenty three, so like maybe the first six years I

940
00:46:04,640 --> 00:46:06,640
Speaker 1: was rocking with the target date fund and listen, I

941
00:46:06,800 --> 00:46:08,960
Speaker 1: killed it. I was so lucky to get to invest

942
00:46:09,040 --> 00:46:11,440
Speaker 1: during the last recession when the market was so bad

943
00:46:11,800 --> 00:46:14,560
Speaker 1: because everything was basically on sale, and the money that

944
00:46:14,600 --> 00:46:16,120
Speaker 1: I put in there has just grown and grown and

945
00:46:16,160 --> 00:46:18,759
Speaker 1: grown for the last you know, decade really and a

946
00:46:18,840 --> 00:46:21,200
Speaker 1: target date fund served me very well. But when I

947
00:46:21,239 --> 00:46:24,640
Speaker 1: was ready to do more, Vanguard was pretty easy. So

948
00:46:25,360 --> 00:46:28,000
Speaker 1: I'm that's that's what I use. And you know, E

949
00:46:28,120 --> 00:46:31,440
Speaker 1: Trade also is there. I think e Trade they they

950
00:46:31,480 --> 00:46:35,560
Speaker 1: offer some commission free trading as well. I've heard good

951
00:46:35,600 --> 00:46:39,799
Speaker 1: things about Stash too, Yes, I have to. I think

952
00:46:39,840 --> 00:46:42,160
Speaker 1: what's beautiful is that there's all these options now, so

953
00:46:42,280 --> 00:46:44,759
Speaker 1: you know, do your homework, do your googles, and you know,

954
00:46:44,840 --> 00:46:47,160
Speaker 1: pick the one that that you think is great. But

955
00:46:47,239 --> 00:46:50,239
Speaker 1: pay attention to fees, like what are they gonna if

956
00:46:50,280 --> 00:46:52,719
Speaker 1: you are thinking about trading a lot, what are the

957
00:46:52,760 --> 00:46:55,120
Speaker 1: fees to trade? You really want to find a place

958
00:46:55,120 --> 00:46:57,560
Speaker 1: that's commissioned free because every time, if you're trying to

959
00:46:57,600 --> 00:47:00,160
Speaker 1: trade stocks regularly, that's going to eat into your return

960
00:47:00,080 --> 00:47:03,879
Speaker 1: and you know it's not not good for what you want.

961
00:47:03,920 --> 00:47:06,440
Speaker 1: So you want really low cost. You know, make sure

962
00:47:06,480 --> 00:47:08,319
Speaker 1: that the interface is easy for you to understand, and

963
00:47:08,360 --> 00:47:10,200
Speaker 1: make sure that they offer what it is that you

964
00:47:10,239 --> 00:47:12,799
Speaker 1: want to invest in, because they don't all offer, you know,

965
00:47:12,840 --> 00:47:15,160
Speaker 1: exposure to the right you know, maybe the index fund

966
00:47:15,160 --> 00:47:17,719
Speaker 1: that you want or the company that you're looking to

967
00:47:17,760 --> 00:47:20,160
Speaker 1: invest in, or the ETF or whatever. So you know,

968
00:47:20,920 --> 00:47:22,400
Speaker 1: that's all I can say there.

969
00:47:23,120 --> 00:47:26,480
Speaker 2: So question, I know you you're a financial was she

970
00:47:26,520 --> 00:47:28,759
Speaker 2: here financial planner or financial boxes? Do you still work

971
00:47:28,760 --> 00:47:30,080
Speaker 2: with Helen? We had her on the show before.

972
00:47:30,239 --> 00:47:32,080
Speaker 1: I love Helen. You know, I only got two birthday

973
00:47:32,080 --> 00:47:35,200
Speaker 1: cards on my actual birthday, one from my daddy and

974
00:47:35,239 --> 00:47:40,160
Speaker 1: one from Helen, my financial planner. Love her. Now we haven't.

975
00:47:40,200 --> 00:47:42,520
Speaker 1: We last talked with Helen right before we had the baby.

976
00:47:42,600 --> 00:47:45,640
Speaker 1: So Helen's kind of our life stages of financial planner.

977
00:47:45,719 --> 00:47:47,759
Speaker 1: So we talked to her before we got married, We

978
00:47:47,800 --> 00:47:49,919
Speaker 1: talked to her before we got our house. We talked

979
00:47:49,960 --> 00:47:51,600
Speaker 1: to her before we had the baby to kind of

980
00:47:51,600 --> 00:47:54,080
Speaker 1: like get ducks in a row. But she doesn't manage

981
00:47:54,080 --> 00:47:56,960
Speaker 1: any investments for us, and she's a fee only planner,

982
00:47:56,960 --> 00:47:59,160
Speaker 1: which is why I love Helen. It means it's kind

983
00:47:59,160 --> 00:48:01,560
Speaker 1: of like going for you your annual checkup. I can

984
00:48:01,680 --> 00:48:03,920
Speaker 1: book an appointment with her and I pay a flat fee,

985
00:48:04,360 --> 00:48:07,000
Speaker 1: and you know, and then I and Helen continues to

986
00:48:07,080 --> 00:48:09,000
Speaker 1: kind of check in on us, but there's no pressure

987
00:48:09,040 --> 00:48:12,319
Speaker 1: to continue working with her and all that. But yeah,

988
00:48:12,360 --> 00:48:13,200
Speaker 1: we still work with Helen.

989
00:48:13,800 --> 00:48:15,960
Speaker 2: What I mean, I just asked because my one of

990
00:48:16,000 --> 00:48:18,880
Speaker 2: my mentees was asking they were going to work with

991
00:48:18,920 --> 00:48:21,680
Speaker 2: a planner. And when I tell you the egregiousness of

992
00:48:21,680 --> 00:48:23,200
Speaker 2: what the planner was telling that he was going.

993
00:48:23,200 --> 00:48:25,440
Speaker 1: To charge, I was like a girl.

994
00:48:25,719 --> 00:48:29,279
Speaker 2: First of all, one point five percent of and then

995
00:48:29,440 --> 00:48:33,680
Speaker 2: also five thousand dollars a year. I'm not saying I

996
00:48:33,719 --> 00:48:36,200
Speaker 2: was like, no, no, no, I think it was like

997
00:48:36,239 --> 00:48:39,319
Speaker 2: one of the other, but honestly, all together, it just was.

998
00:48:40,120 --> 00:48:43,200
Speaker 2: It was I was just telling her, like no, that

999
00:48:43,320 --> 00:48:45,319
Speaker 2: I was going to Like, there were three planners that

1000
00:48:45,320 --> 00:48:46,680
Speaker 2: I knew that I really liked. I have, you know,

1001
00:48:46,800 --> 00:48:49,160
Speaker 2: I have my planner Angelie, who I love. I also

1002
00:48:49,239 --> 00:48:51,359
Speaker 2: love Helen. I thought that she was awesome. And then

1003
00:48:51,360 --> 00:48:53,719
Speaker 2: there was another woman named Amy Irving that I had

1004
00:48:53,760 --> 00:48:55,719
Speaker 2: interviewed when I was looking for a planner. I remember

1005
00:48:55,719 --> 00:48:58,640
Speaker 2: I interviewed like twenty planners, right, and so I told

1006
00:48:58,680 --> 00:49:00,280
Speaker 2: her that I was going to, you know that should

1007
00:49:00,280 --> 00:49:03,000
Speaker 2: always interview more than one, that I was going to

1008
00:49:03,000 --> 00:49:05,520
Speaker 2: send her those three women. So I just was wondering.

1009
00:49:05,560 --> 00:49:09,680
Speaker 2: I couldn't remember if Helen was, you know, in what

1010
00:49:09,719 --> 00:49:11,480
Speaker 2: capacity you could work with her. So that's good to know.

1011
00:49:11,560 --> 00:49:13,000
Speaker 2: So I'm going to just send her over because I

1012
00:49:13,040 --> 00:49:17,120
Speaker 2: was like, girl, run, you know, like run.

1013
00:49:18,160 --> 00:49:20,960
Speaker 1: Yeah. What I love about Helen is that she's really

1014
00:49:21,000 --> 00:49:23,920
Speaker 1: been there through every stage of our financial lives.

1015
00:49:23,960 --> 00:49:24,120
Speaker 2: You know.

1016
00:49:24,160 --> 00:49:26,600
Speaker 1: We started working with her when we were about to

1017
00:49:26,600 --> 00:49:29,120
Speaker 1: get married, and then we worked with her closely when

1018
00:49:29,120 --> 00:49:31,640
Speaker 1: we were planning to get the house, and then we

1019
00:49:31,760 --> 00:49:34,160
Speaker 1: talked to her a lot before we had the baby,

1020
00:49:34,239 --> 00:49:35,840
Speaker 1: just trying to get our finance as an order. And

1021
00:49:35,880 --> 00:49:39,280
Speaker 1: she's very very transparent. Her company is Capital Benchmark Partners.

1022
00:49:39,800 --> 00:49:42,240
Speaker 1: But I think I found her through x Y Planning,

1023
00:49:43,200 --> 00:49:46,440
Speaker 1: which is an online network of fee only financial planners.

1024
00:49:46,440 --> 00:49:49,520
Speaker 1: So the key really is, you know, find your own Helen.

1025
00:49:50,040 --> 00:49:53,000
Speaker 1: I maybe called three different planners and interviewed them before

1026
00:49:53,040 --> 00:49:55,000
Speaker 1: I settled on the one that I, you know, thought

1027
00:49:55,040 --> 00:49:57,560
Speaker 1: was the best fit for me and I really recommend

1028
00:49:57,640 --> 00:49:58,920
Speaker 1: that and I.

1029
00:49:58,960 --> 00:50:02,319
Speaker 2: Found so I interviewed, said I'd interviewed Helen. I loved

1030
00:50:02,320 --> 00:50:06,160
Speaker 2: her as well. I think Helen. I think Helen might

1031
00:50:06,200 --> 00:50:07,640
Speaker 2: have been the one because but I had a lot

1032
00:50:07,680 --> 00:50:10,000
Speaker 2: going on. I think Helen might have been the one

1033
00:50:10,120 --> 00:50:12,960
Speaker 2: who actually suggested Angelie. Three of the financial planners that

1034
00:50:13,000 --> 00:50:16,440
Speaker 2: I actually interviewed suggested Angelie. They're like, uh, because I

1035
00:50:16,480 --> 00:50:19,160
Speaker 2: created this whole like Tiffany's money. She it was like

1036
00:50:19,280 --> 00:50:21,200
Speaker 2: six pages of all my money she had had against

1037
00:50:21,560 --> 00:50:23,520
Speaker 2: and they were like, yeah, girl, you need a special

1038
00:50:23,600 --> 00:50:26,479
Speaker 2: kind of planner. I suggest Angelie. And when I said

1039
00:50:26,480 --> 00:50:29,520
Speaker 2: three planners suggested her randomly, I was like, that's OK.

1040
00:50:30,600 --> 00:50:33,120
Speaker 2: It is a very good sign. And so because you know,

1041
00:50:33,160 --> 00:50:35,279
Speaker 2: you guys know I've got like five businesses and then

1042
00:50:36,200 --> 00:50:38,239
Speaker 2: you know, my husband works, and it just was I

1043
00:50:38,239 --> 00:50:41,560
Speaker 2: have some real estate, so it was more than just

1044
00:50:42,360 --> 00:50:45,480
Speaker 2: it wasn't as cut and dry as maybe my life

1045
00:50:45,520 --> 00:50:47,879
Speaker 2: like ten years ago. And so as a result of that,

1046
00:50:47,960 --> 00:50:51,120
Speaker 2: you know, you know, they suggested Angeline. And honestly, she's

1047
00:50:51,160 --> 00:50:54,279
Speaker 2: been wonderfully amazing. Would she when I say she has

1048
00:50:54,560 --> 00:50:58,600
Speaker 2: un like just disentangled all of my stuff and has

1049
00:50:58,680 --> 00:51:01,799
Speaker 2: created a helpful your plan to our goals? It just

1050
00:51:01,840 --> 00:51:07,040
Speaker 2: feels amazing. I used to be really afraid of my finances.

1051
00:51:07,040 --> 00:51:12,480
Speaker 2: Despite making good money. I didn't feel secure because I

1052
00:51:12,560 --> 00:51:15,399
Speaker 2: knew that's all I was doing well was making good money.

1053
00:51:15,480 --> 00:51:18,279
Speaker 2: That I wasn't making you know, I didn't have like

1054
00:51:18,320 --> 00:51:19,920
Speaker 2: a plan in place, and how do I get from

1055
00:51:19,920 --> 00:51:22,640
Speaker 2: here to here? You know, Like I mean, you know,

1056
00:51:23,080 --> 00:51:25,000
Speaker 2: Maddie and I always share how we're so adverse to

1057
00:51:25,120 --> 00:51:27,360
Speaker 2: like debt, but in some ways it was like to

1058
00:51:27,480 --> 00:51:29,680
Speaker 2: my detriment, I was I just I was hoarding too

1059
00:51:29,760 --> 00:51:31,880
Speaker 2: much cash and I knew that, and so yeah, so

1060
00:51:32,040 --> 00:51:34,279
Speaker 2: finding a fight the right financial plan for you is

1061
00:51:34,400 --> 00:51:37,319
Speaker 2: just if you need one, because not everyone needs a

1062
00:51:37,320 --> 00:51:39,160
Speaker 2: financial planner, but if you need one, finding the right

1063
00:51:39,200 --> 00:51:41,759
Speaker 2: one for you can really just be a godsend. So

1064
00:51:41,760 --> 00:51:44,160
Speaker 2: shout out to our financial planner. So it's good to

1065
00:51:44,239 --> 00:51:47,000
Speaker 2: know about Helen, because I'm gonna I'm gonna suggest that

1066
00:51:47,080 --> 00:51:49,560
Speaker 2: to my mentiks I told her like Angelie is not cheap,

1067
00:51:50,160 --> 00:51:52,719
Speaker 2: but because she typically works with people who are like me

1068
00:51:52,840 --> 00:51:54,560
Speaker 2: that have a lot going on, So you don't want

1069
00:51:54,600 --> 00:51:57,320
Speaker 2: to you don't want to overdo it unnecessarily with someone

1070
00:51:57,320 --> 00:51:58,359
Speaker 2: maybe like Angelie.

1071
00:51:58,880 --> 00:52:01,520
Speaker 1: You also really want to ask yourself, you know, what

1072
00:52:01,600 --> 00:52:03,800
Speaker 1: are my goals? Do I really need a financial planner

1073
00:52:03,840 --> 00:52:06,520
Speaker 1: at this stage in my life? Honestly, I think a

1074
00:52:06,560 --> 00:52:08,959
Speaker 1: lot of people, you know, with a little bit of

1075
00:52:09,560 --> 00:52:12,719
Speaker 1: research on your own. There's tons of books out there,

1076
00:52:12,760 --> 00:52:15,480
Speaker 1: there's YouTube channels you can follow, there's podcasts you can

1077
00:52:15,520 --> 00:52:17,640
Speaker 1: listen to, There's tons of articles, you know, that's what

1078
00:52:17,640 --> 00:52:20,160
Speaker 1: my whole team at lending Tree is always working on.

1079
00:52:20,480 --> 00:52:24,000
Speaker 1: There's a lot of free information that can help you,

1080
00:52:24,000 --> 00:52:28,880
Speaker 1: you know, reach some basic milestones, become debt free, you know,

1081
00:52:29,000 --> 00:52:32,719
Speaker 1: learn how to tackle your four one k uh, you know,

1082
00:52:32,800 --> 00:52:35,080
Speaker 1: learn how to save for a goal. I don't know

1083
00:52:35,120 --> 00:52:37,319
Speaker 1: that those are necessarily the types of things that makes

1084
00:52:37,360 --> 00:52:39,680
Speaker 1: sense to hire a financial planner to help with unless

1085
00:52:39,680 --> 00:52:42,640
Speaker 1: you're truly, truly, you know, just cannot handle it and

1086
00:52:42,719 --> 00:52:45,839
Speaker 1: you really need that coach. But even then, I would

1087
00:52:45,880 --> 00:52:48,960
Speaker 1: say a financial planner isn't just someone you come to

1088
00:52:49,040 --> 00:52:51,040
Speaker 1: and they're entirely hands off, like you should come to

1089
00:52:51,080 --> 00:52:53,600
Speaker 1: the table with your own, you know, your own knowledge

1090
00:52:53,600 --> 00:52:57,440
Speaker 1: of some aspects of you know, financial success yourself, so

1091
00:52:57,520 --> 00:52:59,520
Speaker 1: that you can ask good questions and you can also

1092
00:52:59,600 --> 00:53:02,160
Speaker 1: call them out on their bs when you need to.

1093
00:53:02,719 --> 00:53:04,400
Speaker 2: Exactly no, totally.

1094
00:53:04,320 --> 00:53:06,200
Speaker 1: All right, Well that it's the time of the show again.

1095
00:53:06,320 --> 00:53:07,600
Speaker 1: Should we boost or break?

1096
00:53:08,000 --> 00:53:10,279
Speaker 2: Yes? She told me that this was their fave, the

1097
00:53:10,400 --> 00:53:11,640
Speaker 2: boosty bricky.

1098
00:53:12,880 --> 00:53:14,440
Speaker 1: M hm, I mean, should we put it on a

1099
00:53:14,440 --> 00:53:17,800
Speaker 1: T shirt. What do you think it can say boost

1100
00:53:17,880 --> 00:53:19,200
Speaker 1: on the front and break on the back.

1101
00:53:20,440 --> 00:53:22,960
Speaker 2: Yes, I mean we are working.

1102
00:53:24,160 --> 00:53:27,160
Speaker 1: I mean we are working on some merch and we

1103
00:53:27,239 --> 00:53:29,640
Speaker 1: need we really needed y'all ideas. You should let us

1104
00:53:29,680 --> 00:53:31,160
Speaker 1: know if you have any ideas for our swag.

1105
00:53:31,760 --> 00:53:34,200
Speaker 2: Yeah. And also are there like, oh, we need we

1106
00:53:34,239 --> 00:53:35,919
Speaker 2: definitely need to put hey, hey, hey, like on a bug

1107
00:53:36,040 --> 00:53:36,440
Speaker 2: or something.

1108
00:53:36,520 --> 00:53:38,400
Speaker 1: Okay, so like what would be your favorite We're not

1109
00:53:38,400 --> 00:53:39,279
Speaker 1: gonna get sued, are we?

1110
00:53:40,360 --> 00:53:44,200
Speaker 2: No? I mean it's not. It's no, it's not. It's

1111
00:53:44,239 --> 00:53:46,640
Speaker 2: not because it's not. I mean, who can't say hey,

1112
00:53:48,280 --> 00:53:50,960
Speaker 2: So maybe we should definitely have We're back where black,

1113
00:53:50,960 --> 00:53:51,680
Speaker 2: we're brown ambition.

1114
00:53:51,840 --> 00:53:52,920
Speaker 1: I love them.

1115
00:53:52,960 --> 00:53:55,320
Speaker 2: But if you guys have with there's like some phrases

1116
00:53:55,320 --> 00:53:57,280
Speaker 2: that you know, me and manager use all the time.

1117
00:53:58,640 --> 00:54:00,840
Speaker 2: Then there's like whenmber that oh.

1118
00:54:00,840 --> 00:54:03,520
Speaker 1: Like hashtag team tiffany hashtag team mandra.

1119
00:54:03,680 --> 00:54:05,400
Speaker 2: Right or like or no, get you a friend? What

1120
00:54:05,560 --> 00:54:06,719
Speaker 2: was that one that was like get you a friend?

1121
00:54:06,719 --> 00:54:10,680
Speaker 1: Like man you friend? Yeah, yes, that would be would

1122
00:54:10,760 --> 00:54:13,680
Speaker 1: you guys wear that on a T shirt? Okay? Also

1123
00:54:13,760 --> 00:54:16,120
Speaker 1: shout out, but shade out to the person who told

1124
00:54:16,160 --> 00:54:18,960
Speaker 1: me they'd never met a black Mandy before. Nice to

1125
00:54:19,000 --> 00:54:20,640
Speaker 1: meet you. Let me be the first and best slave

1126
00:54:20,760 --> 00:54:22,239
Speaker 1: Mandy you've ever met in your life.

1127
00:54:22,280 --> 00:54:24,680
Speaker 2: Well, Tiffany's not a super black namy. Fair enough, then

1128
00:54:24,719 --> 00:54:26,960
Speaker 2: again I picked it. But anyway, so yeah, if you

1129
00:54:27,200 --> 00:54:30,640
Speaker 2: kind of like message us some like you know, brand

1130
00:54:30,680 --> 00:54:32,480
Speaker 2: ambition phrases that we use that you would love to

1131
00:54:32,480 --> 00:54:34,480
Speaker 2: see on some march, we would love that love it

1132
00:54:34,680 --> 00:54:37,240
Speaker 2: to have it. And maybe, oh maybe if we choose

1133
00:54:37,280 --> 00:54:39,000
Speaker 2: like you know, maybe we'll do some sort of contents

1134
00:54:39,080 --> 00:54:40,840
Speaker 2: or something like that. Like if we if there's like

1135
00:54:41,080 --> 00:54:42,960
Speaker 2: a phrase that we really love, I mean, aside from

1136
00:54:42,960 --> 00:54:44,719
Speaker 2: the obvious, which we've just said, but a phrase we

1137
00:54:44,800 --> 00:54:46,640
Speaker 2: really love, maybe we'll send you some free merch when

1138
00:54:46,680 --> 00:54:47,160
Speaker 2: it comes out.

1139
00:54:47,320 --> 00:54:51,720
Speaker 1: Yeah. Brandonbisson podcast at gmail dot com. I love a contest.

1140
00:54:52,239 --> 00:54:54,040
Speaker 1: All right, you're gonna booster break girlfriend.

1141
00:54:55,040 --> 00:54:57,960
Speaker 2: I'm going to bustie. I want to boost d a

1142
00:54:59,040 --> 00:55:03,480
Speaker 2: Sandy Smith and Elevate conference. I love Sandy, So Sandy,

1143
00:55:03,520 --> 00:55:04,960
Speaker 2: we haven't had her on our podcast, but we keep

1144
00:55:05,000 --> 00:55:08,239
Speaker 2: talking about her. So Sandy's just awesome. I mean, she's

1145
00:55:08,239 --> 00:55:11,560
Speaker 2: one of the OG's in the brown personal finance space.

1146
00:55:12,600 --> 00:55:15,840
Speaker 2: But Sandy started this conference. So you guys kind of

1147
00:55:15,840 --> 00:55:18,279
Speaker 2: know the debacle for those of you who have been

1148
00:55:18,280 --> 00:55:20,960
Speaker 2: listening for a while with the financial conference that we

1149
00:55:20,960 --> 00:55:25,760
Speaker 2: shall not name, but it was not exactly super friendly

1150
00:55:25,840 --> 00:55:31,440
Speaker 2: to other so brown LGBTQ, like just you know, it

1151
00:55:31,560 --> 00:55:35,680
Speaker 2: just wasn't at least maybe on the on the surface

1152
00:55:35,719 --> 00:55:37,880
Speaker 2: it looked to be, but when you dove deeper, not

1153
00:55:38,000 --> 00:55:39,839
Speaker 2: so much. So there was a lot of shake up

1154
00:55:39,880 --> 00:55:43,080
Speaker 2: with that other conference this year as a result. And

1155
00:55:43,239 --> 00:55:45,600
Speaker 2: Sandy last year, I think it was the last year.

1156
00:55:45,680 --> 00:55:48,680
Speaker 2: Year before last, she had her first conference called the

1157
00:55:48,680 --> 00:55:53,839
Speaker 2: Elevate Conference, which is inclusive, but like deeply inclusive of

1158
00:55:53,960 --> 00:55:57,920
Speaker 2: other but it's especially for black and brown folks. And

1159
00:55:58,000 --> 00:56:01,400
Speaker 2: so I did a keynote at Elevate last year. We

1160
00:56:01,440 --> 00:56:04,200
Speaker 2: actually have an e Facebook group. Whenever I'm looking for

1161
00:56:04,320 --> 00:56:07,440
Speaker 2: resources and things for my dream catchers, I go. I

1162
00:56:07,480 --> 00:56:09,560
Speaker 2: literally call them the Browns, even though everyone in there

1163
00:56:09,640 --> 00:56:11,560
Speaker 2: is not like traditionally browns, because we've got like Asian

1164
00:56:11,560 --> 00:56:14,000
Speaker 2: folks in there, and you know, basically it's just a

1165
00:56:14,040 --> 00:56:18,320
Speaker 2: safe haven for anyone who is other in personal finance

1166
00:56:18,360 --> 00:56:23,080
Speaker 2: and just an amazing resource, just an awesome community. And

1167
00:56:23,120 --> 00:56:26,080
Speaker 2: so Sandy had her first in person conference last year.

1168
00:56:26,120 --> 00:56:27,560
Speaker 2: She was supposed to have them this year, and I

1169
00:56:27,600 --> 00:56:30,280
Speaker 2: remember in the beginning of the year because of COVID,

1170
00:56:30,360 --> 00:56:33,680
Speaker 2: she was freaked out because she had already planned the

1171
00:56:33,719 --> 00:56:35,480
Speaker 2: conference and now it was supposed to be I think

1172
00:56:35,520 --> 00:56:37,800
Speaker 2: in March, and it couldn't happen. It was all this

1173
00:56:37,960 --> 00:56:40,480
Speaker 2: money on the line, and it just seemed like it

1174
00:56:40,520 --> 00:56:42,239
Speaker 2: wasn't looking good. She wasn't able to get all her

1175
00:56:42,239 --> 00:56:45,799
Speaker 2: deposits and things back. But Sandy pivoted. I mean she

1176
00:56:45,920 --> 00:56:50,360
Speaker 2: put the p and pivot and took her conference online.

1177
00:56:51,480 --> 00:56:55,520
Speaker 2: And after the other conference kind of like imploded, at

1178
00:56:55,600 --> 00:56:59,720
Speaker 2: least temporarily, so I'm sure they'll be back imploded. People

1179
00:56:59,719 --> 00:57:03,040
Speaker 2: started to look for where are safe spaces for others

1180
00:57:03,440 --> 00:57:06,160
Speaker 2: to congregate, and so all of a sudden she got

1181
00:57:06,280 --> 00:57:09,239
Speaker 2: sponsorship she wasn't getting before. All the support, I mean,

1182
00:57:09,320 --> 00:57:12,000
Speaker 2: us Brown's we've been new, We've been new, Sandy. But

1183
00:57:12,040 --> 00:57:14,800
Speaker 2: I just want to congratulate her because the Elevant conference

1184
00:57:14,960 --> 00:57:18,280
Speaker 2: just went, was just last week, and it was amazing.

1185
00:57:18,280 --> 00:57:19,680
Speaker 2: When I tell you, she did such a good job.

1186
00:57:20,480 --> 00:57:24,280
Speaker 2: I helped to do the opening chat, the opening talk

1187
00:57:24,560 --> 00:57:26,400
Speaker 2: for the conference of why a conference like this was

1188
00:57:26,440 --> 00:57:29,200
Speaker 2: so important, and I just basically said that, you know

1189
00:57:29,240 --> 00:57:31,520
Speaker 2: what I said earlier, then there has to be other

1190
00:57:31,760 --> 00:57:35,280
Speaker 2: voices because there are different types of people who need

1191
00:57:35,320 --> 00:57:40,640
Speaker 2: to see themselves in the resources being presented and everything

1192
00:57:40,680 --> 00:57:43,040
Speaker 2: is not black or white, that most of us live

1193
00:57:43,160 --> 00:57:46,480
Speaker 2: somewhere in the gray. And just so I'm just so

1194
00:57:46,520 --> 00:57:49,600
Speaker 2: proud of Sandy because it's been when I tell you,

1195
00:57:49,640 --> 00:57:51,480
Speaker 2: she did so much of it by herself. I was like,

1196
00:57:51,520 --> 00:57:53,840
Speaker 2: Sandy who edited these videos? She's like I did. I'm

1197
00:57:53,880 --> 00:57:54,760
Speaker 2: like Sandy who did it?

1198
00:57:54,960 --> 00:57:55,280
Speaker 1: I did?

1199
00:57:55,520 --> 00:57:57,479
Speaker 2: But Sandy who did it? I did? I'm like what

1200
00:57:57,760 --> 00:58:00,840
Speaker 2: she is? She is a jack of all trades and

1201
00:58:00,840 --> 00:58:02,760
Speaker 2: a master of all. You know, it's usually like a

1202
00:58:02,800 --> 00:58:05,000
Speaker 2: master of none. So yeah, that was just my boost.

1203
00:58:05,040 --> 00:58:07,080
Speaker 2: I just want to say, Sandy Smith, I am so

1204
00:58:07,200 --> 00:58:09,640
Speaker 2: proud of your girl. I cannot wait for the Elevate

1205
00:58:09,680 --> 00:58:14,360
Speaker 2: conference next year, which is tentatively scheduled to be in Tulsa, Oklahoma.

1206
00:58:14,440 --> 00:58:17,720
Speaker 2: And if you know about Tulsa and Black Wall Street Tulsa,

1207
00:58:17,800 --> 00:58:20,280
Speaker 2: I know, so black Wall Street do your googles. That's

1208
00:58:20,400 --> 00:58:22,920
Speaker 2: hugely historic to be able to do it there, and

1209
00:58:23,000 --> 00:58:24,440
Speaker 2: so yeah, that was it. I just wanted to just

1210
00:58:24,440 --> 00:58:27,160
Speaker 2: give her a huge, huge virtual hug and then shout out.

1211
00:58:27,200 --> 00:58:31,080
Speaker 2: And she's just doing the amazing work of providing platforms

1212
00:58:31,080 --> 00:58:34,360
Speaker 2: for people like me and Mandy and other folks to

1213
00:58:34,480 --> 00:58:36,480
Speaker 2: be seen, heard and understood and shared.

1214
00:58:37,000 --> 00:58:39,840
Speaker 1: Love Sandy so much, And you know, earlier when you

1215
00:58:39,840 --> 00:58:43,200
Speaker 1: were talking about CC, it reminded me of Sandy because

1216
00:58:43,200 --> 00:58:46,160
Speaker 1: I feel like they had that same ethos. Yeah, it's

1217
00:58:46,200 --> 00:58:49,920
Speaker 1: all about uplifting and supporting women and being transparent and

1218
00:58:50,200 --> 00:58:52,439
Speaker 1: love you Sandy, And we will have her on the show,

1219
00:58:52,480 --> 00:58:54,000
Speaker 1: I feel like in the next couple of weeks. So

1220
00:58:54,560 --> 00:58:58,240
Speaker 1: stay tuned. We finally got her. All right, that's great,

1221
00:58:59,240 --> 00:59:03,200
Speaker 1: all right, my turn. So I wasn't sure what to

1222
00:59:03,240 --> 00:59:06,520
Speaker 1: do this week. I have so much to do, so

1223
00:59:06,640 --> 00:59:09,280
Speaker 1: much to say, but I would really like to make

1224
00:59:09,360 --> 00:59:13,760
Speaker 1: this week's break. Sorry to be a little negative, It's

1225
00:59:13,800 --> 00:59:16,800
Speaker 1: gonna be good. I am ready to take a break

1226
00:59:17,040 --> 00:59:23,120
Speaker 1: from for X trading. Okay, this has been one of

1227
00:59:23,160 --> 00:59:26,800
Speaker 1: the most popular questions we have gotten, and I feel

1228
00:59:26,800 --> 00:59:30,240
Speaker 1: like anyone in the personal finance education space has probably

1229
00:59:30,280 --> 00:59:33,800
Speaker 1: gotten from folks through their email or DMS or whatever.

1230
00:59:33,880 --> 00:59:36,720
Speaker 1: It's what is for X trading? Do you have any tips?

1231
00:59:36,880 --> 00:59:40,600
Speaker 1: Is it legitimate? And I just think we need to

1232
00:59:40,600 --> 00:59:43,080
Speaker 1: talk about it. You know. For X trading is not

1233
00:59:43,200 --> 00:59:47,320
Speaker 1: something that I personally participate in, nor does Tiffany. But

1234
00:59:47,720 --> 00:59:49,880
Speaker 1: I think since so many of you guys are curious

1235
00:59:49,880 --> 00:59:52,360
Speaker 1: about it, and you very well are probably seeing the

1236
00:59:52,400 --> 00:59:55,760
Speaker 1: same ads and the same you know YouTubers and the

1237
00:59:55,800 --> 01:00:00,480
Speaker 1: same folks on your social media or your uncle, you know,

1238
01:00:00,600 --> 01:00:03,600
Speaker 1: texting you like mine, has you know, talking about four

1239
01:00:03,760 --> 01:00:05,760
Speaker 1: X trading, and it's time for us to talk about it.

1240
01:00:05,840 --> 01:00:08,080
Speaker 2: Yes, I have seen them, yep, in the box, the

1241
01:00:08,120 --> 01:00:10,280
Speaker 2: four X bots I've been seen, yes, and the box.

1242
01:00:10,720 --> 01:00:13,760
Speaker 1: Okay, so let's break it down. Four X trading has

1243
01:00:13,960 --> 01:00:17,400
Speaker 1: I don't know, it's developed this air, this mystique about

1244
01:00:17,440 --> 01:00:20,600
Speaker 1: it where people think, well, they're kind of like afraid

1245
01:00:20,600 --> 01:00:22,880
Speaker 1: of it, almost like it's a scam or something like

1246
01:00:22,920 --> 01:00:26,760
Speaker 1: a get rich quick scam or like a multi level

1247
01:00:26,880 --> 01:00:30,360
Speaker 1: marketing company. You know, that's where you recruit someone to

1248
01:00:30,400 --> 01:00:33,120
Speaker 1: sell something and then you know they make money by

1249
01:00:33,160 --> 01:00:36,360
Speaker 1: recruiting someone or whatever. But here's the truth. For X

1250
01:00:36,400 --> 01:00:40,400
Speaker 1: trading is a very legitimate form of trading. It is

1251
01:00:40,720 --> 01:00:45,400
Speaker 1: in fact a huge, huge market. I mean, trillions of

1252
01:00:45,440 --> 01:00:49,240
Speaker 1: dollars pass daily through the four X trading market. So

1253
01:00:50,080 --> 01:00:52,960
Speaker 1: as you guys are probably familiar with. There is, for example,

1254
01:00:53,000 --> 01:00:56,120
Speaker 1: the New York Stock Exchange, and that is where you

1255
01:00:56,240 --> 01:01:01,360
Speaker 1: trade stocks, you trade shares in companies. So you might

1256
01:01:01,400 --> 01:01:04,040
Speaker 1: buy ten shares of Apple today, and your hope is

1257
01:01:04,080 --> 01:01:07,120
Speaker 1: that when you sell those ten shares of Apple that

1258
01:01:07,320 --> 01:01:09,760
Speaker 1: it was worth more when you sold it than it

1259
01:01:09,840 --> 01:01:12,560
Speaker 1: was when you bought it. Right. So, the four X

1260
01:01:12,640 --> 01:01:16,800
Speaker 1: market or foreign exchange trading, this is where you're trading

1261
01:01:16,840 --> 01:01:21,800
Speaker 1: something different. You're actually trading national currencies, so you're trading

1262
01:01:21,880 --> 01:01:25,600
Speaker 1: a US dollar for a British pound, or you're trading

1263
01:01:25,640 --> 01:01:29,480
Speaker 1: a British pound for a Japanese yen or whatnot, and

1264
01:01:29,560 --> 01:01:32,520
Speaker 1: it's it's very similar. You hope that when you buy

1265
01:01:32,680 --> 01:01:36,400
Speaker 1: the other currency, the foreign currency, that when you exchange

1266
01:01:36,400 --> 01:01:40,120
Speaker 1: it for a different currency, that that will actually be

1267
01:01:40,320 --> 01:01:43,800
Speaker 1: worth more than what you paid for initially. And that

1268
01:01:43,960 --> 01:01:47,480
Speaker 1: is how you make money in for X trading. That's

1269
01:01:47,560 --> 01:01:51,480
Speaker 1: a super duper simplified. Here's the thing for X trading.

1270
01:01:51,960 --> 01:01:54,880
Speaker 1: Sometimes there's just like this huge surgeon interest for it.

1271
01:01:54,920 --> 01:01:57,480
Speaker 1: Actually went to Google search trends and I was like,

1272
01:01:57,560 --> 01:01:59,800
Speaker 1: let me see have people been searching more for four

1273
01:01:59,880 --> 01:02:02,080
Speaker 1: X trading? Let me see what the trends have been, Like,

1274
01:02:02,360 --> 01:02:05,040
Speaker 1: guess when there was an uptick in search volume around

1275
01:02:05,080 --> 01:02:09,400
Speaker 1: four X trading around April twenty twenty. I wonder why

1276
01:02:09,560 --> 01:02:12,880
Speaker 1: it was right when the pandemic truly hit. Most states

1277
01:02:12,880 --> 01:02:15,960
Speaker 1: were shut down, if not shut down entirely, shut down partially,

1278
01:02:16,400 --> 01:02:19,360
Speaker 1: and millions of people, tens of millions of people were

1279
01:02:19,400 --> 01:02:23,240
Speaker 1: furloughed or lost their jobs. Okay, I decided to go

1280
01:02:23,280 --> 01:02:24,880
Speaker 1: back a little bit further, and I was like, when

1281
01:02:24,960 --> 01:02:28,240
Speaker 1: was the last big surge in interest in four X trading?

1282
01:02:29,160 --> 01:02:29,919
Speaker 1: What do y'all think?

1283
01:02:30,200 --> 01:02:32,120
Speaker 2: I was gonna say two, that's two, that's.

1284
01:02:32,040 --> 01:02:35,840
Speaker 1: Nice, exactly as you say. It was back in two

1285
01:02:35,920 --> 01:02:37,960
Speaker 1: thousand and eight, November two thousand and eight, when did

1286
01:02:38,000 --> 01:02:41,400
Speaker 1: Lehman crash? Like October September of that year. At any rate,

1287
01:02:42,280 --> 01:02:45,240
Speaker 1: interest in four X trading tends to surge, as we've

1288
01:02:45,240 --> 01:02:48,040
Speaker 1: seen from the past two economic crises. Two thousand and eight,

1289
01:02:48,080 --> 01:02:50,080
Speaker 1: and then you cut to now twenty twenty with what's

1290
01:02:50,080 --> 01:02:52,840
Speaker 1: happening with COVID. There's all this interest in for X

1291
01:02:52,880 --> 01:02:55,360
Speaker 1: trading because there are a lot of people out there

1292
01:02:55,400 --> 01:02:58,400
Speaker 1: who have packaged it into this sort of get rich quick.

1293
01:02:59,360 --> 01:03:01,360
Speaker 1: I don't want to call a scheme because, as I've said,

1294
01:03:01,400 --> 01:03:04,360
Speaker 1: it's a legitimate form of trading, but it's created that

1295
01:03:04,440 --> 01:03:07,280
Speaker 1: people have taken advantage of the interest in this type

1296
01:03:07,280 --> 01:03:10,160
Speaker 1: of trading and the fact that you can, you know,

1297
01:03:10,240 --> 01:03:12,320
Speaker 1: you can trade twenty four hours a day depending on

1298
01:03:12,360 --> 01:03:15,360
Speaker 1: which market you use, because they're all over the world, right,

1299
01:03:15,440 --> 01:03:17,960
Speaker 1: you could be trading on London hours or you know

1300
01:03:18,080 --> 01:03:21,760
Speaker 1: Japan our Tokyo hours or you know Sydney hours whatever.

1301
01:03:22,720 --> 01:03:25,680
Speaker 1: So yes, there's a lot of opportunity to make money,

1302
01:03:25,720 --> 01:03:29,920
Speaker 1: but it's a very complex form of trading and you know,

1303
01:03:29,960 --> 01:03:32,640
Speaker 1: you really have to get educated and understand it. And

1304
01:03:32,680 --> 01:03:37,520
Speaker 1: this is where opportunistic people have taken advantage of the

1305
01:03:37,600 --> 01:03:40,160
Speaker 1: mystique about for X trading because they sell courses and

1306
01:03:40,200 --> 01:03:44,080
Speaker 1: how to do it, and they sell this information and honestly, yes,

1307
01:03:44,200 --> 01:03:47,160
Speaker 1: maybe the information's useful, maybe they do an okay job

1308
01:03:47,200 --> 01:03:49,760
Speaker 1: of explaining what for X trading is and how it works.

1309
01:03:50,160 --> 01:03:53,000
Speaker 1: But if you think that you can immediately become an

1310
01:03:53,000 --> 01:03:55,600
Speaker 1: expert in this form of very risky investing, and it's

1311
01:03:55,680 --> 01:03:57,920
Speaker 1: risky because you know, it's as risky as you want

1312
01:03:57,960 --> 01:03:59,680
Speaker 1: it to be. It's depending on how much money you're

1313
01:03:59,680 --> 01:04:01,720
Speaker 1: willing to put into it. But if you just lost

1314
01:04:01,720 --> 01:04:05,120
Speaker 1: your job, or you're financially insecure, you've got debt or whatnot,

1315
01:04:05,360 --> 01:04:07,840
Speaker 1: this probably is not the best place for you to

1316
01:04:08,440 --> 01:04:11,960
Speaker 1: you know, get your financial you know, get your financial

1317
01:04:12,000 --> 01:04:15,440
Speaker 1: safety net put back together. This is my personal opinion.

1318
01:04:16,080 --> 01:04:18,600
Speaker 1: I'm sure there very well are people who are you know,

1319
01:04:18,760 --> 01:04:21,520
Speaker 1: making tons of money in the for X trading you

1320
01:04:21,560 --> 01:04:24,000
Speaker 1: know market and all that, and that's very great for them,

1321
01:04:24,040 --> 01:04:26,800
Speaker 1: But I mean you should look at it with like

1322
01:04:26,920 --> 01:04:30,640
Speaker 1: several hundred grains of salt and definitely think twice before

1323
01:04:30,680 --> 01:04:32,760
Speaker 1: you pay someone money to teach you about four X

1324
01:04:32,800 --> 01:04:35,360
Speaker 1: trading and ask yourself, you know, what are you expecting

1325
01:04:35,720 --> 01:04:37,800
Speaker 1: to get out of it? Because you know, I could

1326
01:04:37,800 --> 01:04:41,800
Speaker 1: offer a course myself in stock trading today, but you're

1327
01:04:41,840 --> 01:04:44,080
Speaker 1: your own person, and there's so much more than just

1328
01:04:44,680 --> 01:04:47,160
Speaker 1: understanding how it works that goes into it. You also

1329
01:04:47,200 --> 01:04:49,480
Speaker 1: need the time, like do you have the time to

1330
01:04:49,560 --> 01:04:52,520
Speaker 1: sit at your terminal at your computer all day? You know,

1331
01:04:52,600 --> 01:04:55,480
Speaker 1: look at the price graphs and you know, really understand

1332
01:04:55,520 --> 01:04:57,840
Speaker 1: what they mean and when the opportunities are to strike

1333
01:04:57,920 --> 01:04:59,760
Speaker 1: and all that. I mean, it takes a lot of

1334
01:05:00,040 --> 01:05:02,560
Speaker 1: untal bandwidth and I and it makes me sad because

1335
01:05:02,600 --> 01:05:05,360
Speaker 1: I think a lot of people who are being drawn

1336
01:05:05,400 --> 01:05:09,160
Speaker 1: toward this form of investing, you know, are more vulnerable,

1337
01:05:09,400 --> 01:05:13,360
Speaker 1: like you have more to lose. So that's I just

1338
01:05:13,360 --> 01:05:15,640
Speaker 1: wanted to, you know, look at the elephant in the room,

1339
01:05:15,680 --> 01:05:19,600
Speaker 1: because everyone's talking about it. So let's just recap. Yeah,

1340
01:05:19,760 --> 01:05:23,840
Speaker 1: for X trading is legit, it's not probably the best

1341
01:05:24,000 --> 01:05:28,400
Speaker 1: way to invest, especially dollars that you are very afraid

1342
01:05:28,400 --> 01:05:30,360
Speaker 1: to lose because they're all you have left if you've

1343
01:05:30,400 --> 01:05:33,920
Speaker 1: fully been struggling, you know, in this current COVID crisis.

1344
01:05:34,240 --> 01:05:36,520
Speaker 1: So just think about it, and if you guys have

1345
01:05:36,600 --> 01:05:40,120
Speaker 1: more specific questions, you know, let me know. There's some really,

1346
01:05:40,520 --> 01:05:43,160
Speaker 1: you know, there is some good helpful information out there.

1347
01:05:43,160 --> 01:05:45,480
Speaker 1: If you want to learn more about four X trading, well,

1348
01:05:45,640 --> 01:05:50,480
Speaker 1: we'll share some links to investipedia, Investipedia's explainer, you know,

1349
01:05:50,520 --> 01:05:52,840
Speaker 1: in our show notes. They're a trusted source, and just

1350
01:05:52,880 --> 01:05:55,680
Speaker 1: you can start to educate yourself, but always do your

1351
01:05:55,680 --> 01:06:00,240
Speaker 1: own due diligence and really try to avoid any kind

1352
01:06:00,240 --> 01:06:04,280
Speaker 1: of investing strategy or investing you know, hot new trend

1353
01:06:05,080 --> 01:06:08,600
Speaker 1: because that usually it usually doesn't bode very well.

1354
01:06:09,440 --> 01:06:11,200
Speaker 2: No, I agree, because people ask me all the time

1355
01:06:11,240 --> 01:06:13,520
Speaker 2: about forks, and I'm like, well, at its core it's

1356
01:06:13,520 --> 01:06:17,000
Speaker 2: not a scam, but many things surrounding, like how to

1357
01:06:17,080 --> 01:06:20,080
Speaker 2: learn how to forks trade Unfortunately, there are so many

1358
01:06:20,120 --> 01:06:23,720
Speaker 2: scams surrounding. It's just like with anything, and so yeah,

1359
01:06:23,840 --> 01:06:26,960
Speaker 2: just being mindful and doing your homework and doing your

1360
01:06:27,080 --> 01:06:30,160
Speaker 2: due diligence and that quite honestly, I know it sounds

1361
01:06:30,200 --> 01:06:32,640
Speaker 2: like so cliche, but if something seems to be too

1362
01:06:32,680 --> 01:06:35,680
Speaker 2: good to be true, especially when it comes to your money,

1363
01:06:36,600 --> 01:06:39,840
Speaker 2: it is like not when it comes to cake necessarily,

1364
01:06:40,360 --> 01:06:43,880
Speaker 2: or cookies or like you know, your favorite dish, like ooh,

1365
01:06:43,920 --> 01:06:45,440
Speaker 2: this looks too good to be true, no eat it.

1366
01:06:45,800 --> 01:06:47,720
Speaker 2: But when it comes to money, if it seems too

1367
01:06:47,760 --> 01:06:50,440
Speaker 2: good to be true, ninety nine point nine nine nine

1368
01:06:50,480 --> 01:06:53,040
Speaker 2: nine nine nine nine percent of the time, it's always

1369
01:06:53,280 --> 01:06:56,760
Speaker 2: because if it was that easy, wouldn't we all be rich?

1370
01:06:57,000 --> 01:06:59,640
Speaker 2: Like ask yourself that, how is it that this person

1371
01:06:59,680 --> 01:07:02,360
Speaker 2: that you're meeting has cracked the code on how to

1372
01:07:02,400 --> 01:07:06,360
Speaker 2: become rich in two weeks? And no one knows? I mean, yeah,

1373
01:07:06,480 --> 01:07:09,640
Speaker 2: they haven't. They've just cracked the code and taking money.

1374
01:07:09,720 --> 01:07:16,720
Speaker 2: So who this has been an episode, Joe, Thanks as usual, Mandra.

1375
01:07:16,920 --> 01:07:23,480
Speaker 1: Megasode, Yeah, a megasode megasoe. All right, well we hope

1376
01:07:23,480 --> 01:07:26,000
Speaker 1: that y'all you know, have enjoyed this ride with us.

1377
01:07:26,000 --> 01:07:29,040
Speaker 1: Thanks for rocking with us. Don't forget to leave us

1378
01:07:29,080 --> 01:07:32,720
Speaker 1: a review please for iTunes. And did we even mention

1379
01:07:33,080 --> 01:07:35,880
Speaker 1: your reviews? You know? Getting us past one thousand reviews

1380
01:07:35,960 --> 01:07:38,360
Speaker 1: was one of the reasons we were selected as the

1381
01:07:38,360 --> 01:07:42,280
Speaker 1: top personal finance podcast by Business Insider, which is a

1382
01:07:42,400 --> 01:07:44,520
Speaker 1: very surreal moment for me because I used to work

1383
01:07:44,560 --> 01:07:46,760
Speaker 1: at Business Insider. In fact, yes, that's where I got

1384
01:07:46,760 --> 01:07:49,320
Speaker 1: my start as a personal finance editor and reporter. I

1385
01:07:49,400 --> 01:07:51,960
Speaker 1: launched there. I was one of the first I call

1386
01:07:52,000 --> 01:07:55,480
Speaker 1: myself a founding editor of their personal finance section. So

1387
01:07:55,520 --> 01:07:57,800
Speaker 1: it's crazy only ten years later.

1388
01:07:57,800 --> 01:08:00,960
Speaker 2: When you call me, it still says Mandy Business Insider.

1389
01:08:01,000 --> 01:08:01,520
Speaker 2: That's what it says.

1390
01:08:01,760 --> 01:08:04,800
Speaker 1: Fast. That's when we met. Yes, Tiffany was just the

1391
01:08:04,840 --> 01:08:08,120
Speaker 1: baby budget Nesta with an article on her blog about

1392
01:08:08,120 --> 01:08:10,480
Speaker 1: a bike that her daddy boxer. Yes, and I was

1393
01:08:10,520 --> 01:08:13,439
Speaker 1: looking for a story to write and then here we are, Yes,

1394
01:08:14,000 --> 01:08:16,439
Speaker 1: all these years later, Well it's because of you, guys,

1395
01:08:16,439 --> 01:08:19,639
Speaker 1: So please, if you haven't left us or comment or sorry,

1396
01:08:19,720 --> 01:08:22,320
Speaker 1: left us a review on iTunes, please do so five

1397
01:08:22,360 --> 01:08:24,920
Speaker 1: stars would be excellent, and then tell a friend about

1398
01:08:24,920 --> 01:08:27,479
Speaker 1: the show. Thank y'all for helping to elevate the show.

1399
01:08:27,479 --> 01:08:29,880
Speaker 1: I feel like we have such a bigger audience even

1400
01:08:29,920 --> 01:08:32,200
Speaker 1: now than we did pre COVID. And that's, you know,

1401
01:08:32,320 --> 01:08:35,439
Speaker 1: just a testament to to really you guys for spreading

1402
01:08:35,439 --> 01:08:37,680
Speaker 1: the words. So thank you, yes, thank you, thank you

1403
01:08:37,800 --> 01:08:41,519
Speaker 1: so much. And maybe next week I will finally talk

1404
01:08:41,520 --> 01:08:46,040
Speaker 1: about my mortgage refinance which just finished finally and how

1405
01:08:46,080 --> 01:08:48,480
Speaker 1: I have banned meetings from my life.

1406
01:08:49,080 --> 01:08:50,920
Speaker 2: Yeah, let's definitely talk about mortgage. You find it because

1407
01:08:50,920 --> 01:08:54,160
Speaker 2: you know they're the Freddie mc and Sally May are

1408
01:08:54,200 --> 01:08:57,680
Speaker 2: trying to add a half percentage of Sally May, not

1409
01:08:57,800 --> 01:09:02,400
Speaker 2: Sally May, Freddy mac one yes, Fanny May, I said,

1410
01:09:02,479 --> 01:09:04,240
Speaker 2: Sally May. Oh my god, it's been a lot, you

1411
01:09:04,280 --> 01:09:04,479
Speaker 2: know what.

1412
01:09:04,680 --> 01:09:07,799
Speaker 1: Bye, listen all those names. Who comes up with these names? Anyway?

1413
01:09:07,880 --> 01:09:09,400
Speaker 1: I mean, come on telling.

1414
01:09:09,240 --> 01:09:12,760
Speaker 2: Somebody somebody's southern uncle. Freddie mack and Sally May and

1415
01:09:12,880 --> 01:09:14,439
Speaker 2: Fanny Man like, who are these people?

1416
01:09:14,800 --> 01:09:17,880
Speaker 1: But yeah, all right, all right, we'll have a good

1417
01:09:17,920 --> 01:09:28,760
Speaker 1: restaurant you too. By bye bye,