WEBVTT - Ep 230 - OK, Why is Everyone Obsessed with Forex Trading?

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<v Speaker 1>Heyba fam, we are five years into making this podcast

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<v Speaker 1>that we love so much called Brown Ambition, and we

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<v Speaker 1>could not do it without you. We've gone from me

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<v Speaker 1>and Tiffany sneaking around my old office building trying to

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<v Speaker 1>find places to record, and thanks to you, guys, we

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<v Speaker 1>now have one hundred thousand downloads per month for this

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<v Speaker 1>little show called Brown Ambition. We would love to ask

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

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<v Speaker 1>what are we looking for?

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

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<v Speaker 2>over a thousand reviews and a five star rating on iTunes,

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<v Speaker 2>but you know it's better than one thousand reviews two

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<v Speaker 2>thousand reviews. If you get head on over to iTunes,

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<v Speaker 2>go to our Brown Ambition page, scroll on down to

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<v Speaker 2>the bottom, subscribe and leave us a five star rating

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<v Speaker 2>and review. So subscribe, rate review Not too much to ask,

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<v Speaker 2>right easyps. We love you guys, and thank you so

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<v Speaker 2>much for making Brown Ambition what it is. The last

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

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<v Speaker 2>we're back. We're black, We're bred abishan shout out to

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<v Speaker 2>Mandy's Mama. I saw the video sent me.

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

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<v Speaker 1>like that she doesn't know that. I listen. I think

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<v Speaker 1>it's like a criminal offense to take a video screen

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<v Speaker 1>recording of your Marco polos and send them to people,

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<v Speaker 1>but I sometimes I do it.

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<v Speaker 2>I'm like, what's a Marco Polo?

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<v Speaker 1>Oh? Marco Polo is the uh uh? It is the

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<v Speaker 1>best and worst app in my life right now. So

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

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<v Speaker 1>but they want to communicate with their relatives and family

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<v Speaker 1>and friends in a really easy way. And also, you

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<v Speaker 1>hate FaceTime because you're kind of trapped on the phone

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<v Speaker 1>with someone for a while. Marco Polo as you can

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<v Speaker 1>just send people video messes back and forth, kind of

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<v Speaker 1>like Marco, and then you're on the other side of

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<v Speaker 1>the pool and you yelled.

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<v Speaker 2>Polo Polo. Yeah, Okay. I love it and.

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<v Speaker 1>It's really fun and I recommend it for anyone who's

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<v Speaker 1>Because my sister's in Saint where is she Wisconsin? My

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<v Speaker 1>mom is in Saint Louis, Missouri. I'm obviously in New

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<v Speaker 1>York and it's been really difficult not being especially the

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<v Speaker 1>first year of you know, Rio's life, not having his

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<v Speaker 1>auntie or his grandma around that that much. So Marco

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<v Speaker 1>Polo was what kind of helps them feel? Like, like, literally,

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<v Speaker 1>if I don't send them a message every hour of

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<v Speaker 1>the day, at least a little snapshot, then I have

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<v Speaker 1>phone calls like are you okay? What's going on? Are

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<v Speaker 1>you having a bad day? Oh? But uh it's I

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<v Speaker 1>hope I'm not. Anyway, it's a it's a it's a

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<v Speaker 1>good app ultimately. But yeah, so anyway, my mom had

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<v Speaker 1>sent me she does listen to the show, and now

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<v Speaker 1>she's proving it because this is why I can't talk

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<v Speaker 1>smack about her anymore. On the show, she was like

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<v Speaker 1>she started one of her messages with hey, hey, hey,

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<v Speaker 1>oh no, that's a differy things like yeah, mom, I

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<v Speaker 1>love it.

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<v Speaker 2>That's who she could use it on me. I got

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<v Speaker 2>so it technically doesn't belong to.

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

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<v Speaker 1>So is that a character or whatever? I know?

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

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

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<v Speaker 2>not D. It was the guy it was. There's a

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<v Speaker 2>show called What's happening, and there was a guy I

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<v Speaker 2>forget his name, but he used to say I think

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<v Speaker 2>his name was Dwayne, Hey, hey, and so like when

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<v Speaker 2>I was really little, I remember it coming on.

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

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<v Speaker 1>now you've just ruined that. Everyone thought that Tiffany, Wow,

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<v Speaker 1>she is clever. She came up with this whole catchphrase.

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<v Speaker 1>Oh well now we know five years.

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<v Speaker 2>And oh so this is not so good news. But

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<v Speaker 2>I was just asking you earlier, had you heard about

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<v Speaker 2>CC the sixth figure chick.

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<v Speaker 1>I had not heard of her until this week.

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<v Speaker 2>Actually, yeah, so she is one of the when she

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<v Speaker 2>was because she passed away on August fourteenth, twenty twenty,

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<v Speaker 2>not just a few days ago. She one of the

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<v Speaker 2>ogs in the digital marketing digital sales game as a

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<v Speaker 2>black woman.

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<v Speaker 1>CC.

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<v Speaker 2>Almost any black woman who was selling anything online will

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<v Speaker 2>tell you that, you know, they have gotten a director

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<v Speaker 2>in direct help from CC. She you know, was just

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<v Speaker 2>nothing short of amazing. She used to do this thing

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<v Speaker 2>where she would show her gross sales every every week

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<v Speaker 2>or month. She would show you how much she was making.

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<v Speaker 2>How she really broke down, how do you sell a

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<v Speaker 2>good product or really hurts your services, but with integrity.

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<v Speaker 2>She was just she just I mean, there's so many

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<v Speaker 2>I used to just go to her page and just

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<v Speaker 2>soak up and be like I never thought about it

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<v Speaker 2>that way. She literally had like she would post things

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<v Speaker 2>like how to make money selling classes online, and if

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<v Speaker 2>you want to make this amount of money, here's how

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<v Speaker 2>you'd break that down. She was so transparent and open

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<v Speaker 2>and just gave so much value you really, I have

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<v Speaker 2>never seen someone give that much value in that space before.

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<v Speaker 2>And she was specifically for black and brown women, and

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<v Speaker 2>so she just will be sorely missed. But you know,

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<v Speaker 2>seeing so CC had cancer, I think she was in remission,

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<v Speaker 2>but she had been to cancer and be there I

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<v Speaker 2>think three times over the last like ten years, you know,

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<v Speaker 2>or the last five years, I think. But what she

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<v Speaker 2>passed away from was pneumonia. I'm not sure like where

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<v Speaker 2>it stemmed from. I don't believe it's stemmed from COVID

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<v Speaker 2>or anything like that. But but what was so telling

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<v Speaker 2>about her, the type of person that she was, is

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<v Speaker 2>that literally the day before CEC had posted like a

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<v Speaker 2>resource and this is a woman who was at the

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<v Speaker 2>time in the hospital. And it just goes to show

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<v Speaker 2>you that her real passion and true passion was being

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<v Speaker 2>of service to women like her who wanted to seek

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<v Speaker 2>ways to make money with integrity and helping other women.

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<v Speaker 2>And so I just wanted to just like send Ceci

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<v Speaker 2>a faraway hug and thank you for all that you've

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<v Speaker 2>done for us in this space. But also too, it

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<v Speaker 2>was a wake up call. Honestly, all the black and

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<v Speaker 2>brown women that I know that are like you know,

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<v Speaker 2>that started their own business and who sell things online

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<v Speaker 2>and things, we're all just kind of like it just

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<v Speaker 2>kind of a wake up call to like, are you

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<v Speaker 2>doing what you want to do how you want to

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<v Speaker 2>do it? Because clearly CC was, and it just was

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<v Speaker 2>a reminder like to realign like our rich journey, I

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<v Speaker 2>don't know, I remember, I know like it shook me

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<v Speaker 2>to the core. I've been watching them. I saw they

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<v Speaker 2>just bought a house in Portugal. Shout out to your

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<v Speaker 2>mom and Christina, and so that was another episode or

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<v Speaker 2>people who just had me look at my life and

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<v Speaker 2>say I want to realign. And CC was one of

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

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<v Speaker 2>lot about realignment, realignment, realignment, and so that definitely shook

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<v Speaker 2>me to the core. So yeah, I just want to

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<v Speaker 2>shock her out.

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<v Speaker 1>Well thank you and sending lots of love to her family.

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<v Speaker 1>And I think if you see any black or brown

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<v Speaker 1>woman in a position where they are successful today, I

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<v Speaker 1>mean you have to. We can't get here without thinking

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<v Speaker 1>about the trailblazers before us, and there are you know,

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<v Speaker 1>this is a space personal finance space and advice. I

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

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<v Speaker 1>It's an old enough space now. I think the online

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<v Speaker 1>revolution and like the creation of personal financial help and

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<v Speaker 1>education and services online really boomed after the you know,

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

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<v Speaker 1>and there's people who have been rocking with it since

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<v Speaker 1>the beginning and really paving the way. And it feels

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<v Speaker 1>like CEC was one of those pioneers.

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<v Speaker 2>Absolutely, and you can still follow her because her stuff

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<v Speaker 2>is just still you know. I just feel like even

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<v Speaker 2>her legacy is the surface she left behind for us.

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<v Speaker 2>So it's like Instagram, right, it's underscore, the six figure

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<v Speaker 2>chick underscore. So I would certainly go in because, like

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<v Speaker 2>I said, she was posting from her hospital bed resources

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<v Speaker 2>like you can do it. Here's how you can. I mean,

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<v Speaker 2>so to me. It just speaks volumes about what she

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<v Speaker 2>wanted to leave behind for us, and she really did.

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

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<v Speaker 2>I mean, you knew exactly how much she made, how

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<v Speaker 2>she made it in which way. Yeah, CC was amazing.

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<v Speaker 1>I love it all right. Underscore six figure Chick on

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<v Speaker 1>Instagram The six figure Chick Underscore the six figure Chick

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<v Speaker 1>Underscore Magically. I am sure a link will appear in

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<v Speaker 1>our show notes because we have mentioned it here. Kelly, Hello, Kelly,

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<v Speaker 1>Yay oh man, Well, Ken, I mean that was I'm

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<v Speaker 1>really glad we took some time to pay tribute to CC.

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<v Speaker 1>Can we talk a little bit about what's happening in

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<v Speaker 1>these streets to these postal boxes right now? Oh my gosh,

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<v Speaker 1>I mean the post office, Like I'm trying to catch up,

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

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<v Speaker 1>who must not be named our commander in whatever whining

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<v Speaker 1>apparently so he, I think, And this is just me,

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<v Speaker 1>like Mandy, like, just what kind of what I've been

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<v Speaker 1>reading through the lines as I've been trying to read

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<v Speaker 1>and not read and watch and not watch the news

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

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<v Speaker 1>the polls are not looking hot. He has really effed

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<v Speaker 1>up the whole response to this pandemic right now, and

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<v Speaker 1>the election is what eighty days away, maybe like a

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<v Speaker 1>little bit less than eighty days away. Kamala being named

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<v Speaker 1>to the as a nominee as the why can't I

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<v Speaker 1>find words? As a vice presidential nominee alongside Biden on

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<v Speaker 1>the ticket for twenty twenty. I think that has Republicans

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<v Speaker 1>shook us because it's become very apparent that they don't

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<v Speaker 1>exactly know how to attack her because there's a lot

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<v Speaker 1>of things. There's just not very much there. There's not

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<v Speaker 1>neat on the bone like there was for Hillary, when

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<v Speaker 1>you could really just tap into people's loathing of the

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<v Speaker 1>Clintons and all that. Anyway, so Trump seems to be

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<v Speaker 1>coming for not just the right to vote, but the

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<v Speaker 1>ability to vote by mail. And the way that he's

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<v Speaker 1>doing that is like he has a point to some

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<v Speaker 1>guide to the Postal Service, who is now pulling, like

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<v Speaker 1>defunding in some way some of the crucial services, and

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<v Speaker 1>the post Service is struggling like financially because people are

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<v Speaker 1>not using their services. So much in the time of COVID,

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<v Speaker 1>but then it seems like all of this has like

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<v Speaker 1>kicked up in the last week and all over social

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<v Speaker 1>and I personally haven't looked to see if these images

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<v Speaker 1>are like have been corroborated, and I probably should have,

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

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<v Speaker 1>people sharing them on instant and all that of like

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<v Speaker 1>actual mailboxes being put on the back of trucks and

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

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<v Speaker 1>really terrifying, is the message is getting out there that

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<v Speaker 1>it's going to be hard to vote by mail this election.

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<v Speaker 1>And I kind of wanted to just talk about that

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<v Speaker 1>and talk about some facts around what you can do

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<v Speaker 1>and how you can as much as you can try

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<v Speaker 1>to be sure that your vote counts this year, because

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

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<v Speaker 1>and we need to be doing things to support the

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<v Speaker 1>post office. Like one of the most simple things you

0:10:56.200 --> 0:10:58.360
<v Speaker 1>can do is go on to go online and buy

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<v Speaker 1>a roll of stamps by the fevers. In fact, I

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

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<v Speaker 1>not a bad time to get a role forever stamps anyway,

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<v Speaker 1>because you know, you buy it at the current price

0:11:08.800 --> 0:11:10.880
<v Speaker 1>and then you have those stamps forever. You don't have to,

0:11:11.400 --> 0:11:14.120
<v Speaker 1>you know, buy additional stamps if the price goes up.

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<v Speaker 1>But yeah, let's let's like what's your perception, benif Like,

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<v Speaker 1>what have you seen and and you know, what are

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<v Speaker 1>your thoughts on everything going on?

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<v Speaker 2>No, it's honestly really scary. I think I saw like

0:11:24.920 --> 0:11:29.040
<v Speaker 2>it was like a quote by our forever president, Barack Obama,

0:11:29.120 --> 0:11:32.320
<v Speaker 2>and he was like, uh, never have we seen an

0:11:32.360 --> 0:11:35.680
<v Speaker 2>actual president say I am going to be shutting down

0:11:35.679 --> 0:11:39.480
<v Speaker 2>basically the post office so you can't vote against me.

0:11:39.600 --> 0:11:43.600
<v Speaker 2>Like that's he basically has said that, Like I don't

0:11:43.640 --> 0:11:46.920
<v Speaker 2>want you to vote. I don't I don't want you

0:11:46.960 --> 0:11:49.200
<v Speaker 2>to vote me out. I just how is this allowed?

0:11:49.600 --> 0:11:51.720
<v Speaker 2>I'm not gonna lie. There's just you know, it's just

0:11:51.760 --> 0:11:55.240
<v Speaker 2>like too much. You're just like, how is this allowed?

0:11:55.880 --> 0:11:59.040
<v Speaker 2>How are you allowed to openly try to cheat and

0:11:59.120 --> 0:12:00.960
<v Speaker 2>steal the election with impunity?

0:12:01.160 --> 0:12:05.120
<v Speaker 1>You know? I just yeah, well, it's only allowed if

0:12:05.320 --> 0:12:08.480
<v Speaker 1>our elected officials allow it to happen. I mean that.

0:12:08.640 --> 0:12:10.960
<v Speaker 1>And it's like, but the thing is, I mean, there

0:12:11.000 --> 0:12:15.480
<v Speaker 1>have been even before Trump I mean the party in power.

0:12:15.559 --> 0:12:18.000
<v Speaker 1>And I'm not going to say Democrats are without their

0:12:18.040 --> 0:12:20.920
<v Speaker 1>faults as well, and probably have participated in, you know,

0:12:21.000 --> 0:12:23.360
<v Speaker 1>different strategies that make it more difficult to people who

0:12:23.360 --> 0:12:26.000
<v Speaker 1>oppose them to get out there to vote. But the

0:12:26.040 --> 0:12:29.959
<v Speaker 1>current voting system truly favors people who tend to vote

0:12:30.240 --> 0:12:33.960
<v Speaker 1>you know, Republican. I mean you think about black voters,

0:12:34.640 --> 0:12:37.280
<v Speaker 1>lets you know, voters, immigrant voters, I mean, there are

0:12:37.679 --> 0:12:42.000
<v Speaker 1>there are whole like there are whole vehicles in motion

0:12:42.720 --> 0:12:46.760
<v Speaker 1>meant to suppress their ability and their right to vote.

0:12:46.800 --> 0:12:49.440
<v Speaker 1>And it's it's happening now. I mean, and you know,

0:12:50.040 --> 0:12:52.520
<v Speaker 1>y'all know, I'm from Georgia, and I talk about Stacy

0:12:52.520 --> 0:12:55.200
<v Speaker 1>Abrams a lot and what she has done since she

0:12:55.559 --> 0:12:58.080
<v Speaker 1>quote unquote lost the gubernatorial race in Georgia a couple

0:12:58.120 --> 0:13:01.600
<v Speaker 1>of years ago, you know, and she has been fighting

0:13:02.400 --> 0:13:07.200
<v Speaker 1>to raise awareness about you know, suppression of voter rights

0:13:07.280 --> 0:13:09.720
<v Speaker 1>in Georgia. But it's not just Georgia. It's all over

0:13:09.880 --> 0:13:13.959
<v Speaker 1>and you know, I just want people to understand. So

0:13:14.240 --> 0:13:17.160
<v Speaker 1>the fear here and this is what Trump is kind

0:13:17.160 --> 0:13:20.280
<v Speaker 1>of like trying to get away with saying, oh, if

0:13:20.320 --> 0:13:22.120
<v Speaker 1>people vote by mail, there's going to be a lot

0:13:22.120 --> 0:13:24.800
<v Speaker 1>of fraud. So we have to prevent people from vote

0:13:24.880 --> 0:13:27.160
<v Speaker 1>voting by mail because there's going to be fraud. Just

0:13:27.200 --> 0:13:30.320
<v Speaker 1>this very scary kind of like buzzword that his base

0:13:30.480 --> 0:13:34.319
<v Speaker 1>just loves voter fraud, which has no basis in fact,

0:13:34.520 --> 0:13:38.400
<v Speaker 1>like many things that he has said, but whatever the

0:13:38.480 --> 0:13:41.440
<v Speaker 1>thing is, Like he's trying like absentee voting is male

0:13:41.480 --> 0:13:43.400
<v Speaker 1>in voting, like people have been doing it for a

0:13:43.440 --> 0:13:46.120
<v Speaker 1>long There's whole states where everyone votes by mail. This

0:13:46.200 --> 0:13:48.200
<v Speaker 1>is not like a new concept, but he's making it

0:13:48.280 --> 0:13:50.560
<v Speaker 1>kind of seem like it's this foreign way of voting

0:13:50.600 --> 0:13:53.000
<v Speaker 1>and oh my goodness, it's just not reliable and all that.

0:13:53.600 --> 0:13:56.400
<v Speaker 1>But here's what you guys can do. And I really want,

0:13:56.640 --> 0:13:58.720
<v Speaker 1>like tele a friend to tell a friend because I

0:13:58.800 --> 0:14:01.920
<v Speaker 1>feel like, you know, I ever really know where people

0:14:01.920 --> 0:14:03.640
<v Speaker 1>are coming from or what they're reading, where they're getting

0:14:03.640 --> 0:14:05.959
<v Speaker 1>their news, and you know what perceptions they may have.

0:14:06.040 --> 0:14:08.800
<v Speaker 1>But there are many states where you can actually vote early.

0:14:09.800 --> 0:14:12.600
<v Speaker 1>So if you're if you are, you know at this point,

0:14:12.640 --> 0:14:16.000
<v Speaker 1>I know family of mine in Georgia is even just

0:14:16.040 --> 0:14:18.520
<v Speaker 1>like doesn't trust the post office, like they're worried if

0:14:18.520 --> 0:14:20.680
<v Speaker 1>they put their vote in the mail. You know it'll

0:14:20.720 --> 0:14:23.000
<v Speaker 1>get lost, but they're also worried that they're going to

0:14:23.040 --> 0:14:25.080
<v Speaker 1>stand in line at a polling place and catch COVID

0:14:25.160 --> 0:14:28.560
<v Speaker 1>and potentially die because you know who's COVID killing at

0:14:28.560 --> 0:14:32.000
<v Speaker 1>a higher rate Black Americans, So it's like a catch

0:14:32.040 --> 0:14:35.720
<v Speaker 1>twenty two. So they feel insecure about their vote counting

0:14:35.760 --> 0:14:38.320
<v Speaker 1>if they vote by mail, but they also are worried

0:14:38.320 --> 0:14:41.040
<v Speaker 1>about risking their health by showing up to the polls.

0:14:41.120 --> 0:14:43.960
<v Speaker 1>So if you are determined to vote in person, see

0:14:43.960 --> 0:14:45.720
<v Speaker 1>if you can vote early in your state. I was

0:14:45.760 --> 0:14:47.840
<v Speaker 1>just checking New York. We can definitely vote early, So

0:14:47.840 --> 0:14:50.120
<v Speaker 1>I'm figuring out how to do that, and this happened

0:14:50.160 --> 0:14:52.560
<v Speaker 1>to me. I talked about like the primary this summer,

0:14:52.600 --> 0:14:55.200
<v Speaker 1>if you guys were caught in like hours long lines,

0:14:55.320 --> 0:14:58.360
<v Speaker 1>like I was in my county because voter turnout was

0:14:58.440 --> 0:15:01.880
<v Speaker 1>high and they had low so many polling places because

0:15:02.360 --> 0:15:05.920
<v Speaker 1>there's like there's like such low numbers of volunteers for

0:15:06.000 --> 0:15:09.800
<v Speaker 1>polls because of the COVID situation. There were really long

0:15:09.800 --> 0:15:12.600
<v Speaker 1>lines during the primary and I and I actually had

0:15:12.640 --> 0:15:14.960
<v Speaker 1>to step out of line because they didn't have childcare.

0:15:15.200 --> 0:15:17.560
<v Speaker 1>So I went home and Thenrika had to go out

0:15:17.880 --> 0:15:19.840
<v Speaker 1>and he voted that night, but I didn't, and I

0:15:19.920 --> 0:15:21.800
<v Speaker 1>was like, there's no way in hell this is happening

0:15:21.840 --> 0:15:24.680
<v Speaker 1>to me during the presidential election. So we're going to

0:15:24.720 --> 0:15:27.000
<v Speaker 1>try to go out and vote early. That's one way

0:15:27.040 --> 0:15:28.560
<v Speaker 1>to make sure your vote counts, and that you're kind

0:15:28.560 --> 0:15:31.280
<v Speaker 1>of limiting your risk by trying to avoid those crowds.

0:15:32.200 --> 0:15:35.240
<v Speaker 1>See and request. The thing is like mail in voting.

0:15:35.320 --> 0:15:38.480
<v Speaker 1>Like if the government were to say, yes, let's make

0:15:38.520 --> 0:15:40.840
<v Speaker 1>mail in voting available for every American, We're going to

0:15:40.880 --> 0:15:43.520
<v Speaker 1>send everyone in ballot, that would be the ideal solution,

0:15:43.680 --> 0:15:46.480
<v Speaker 1>right but right now that's not what's happening because Trump

0:15:46.560 --> 0:15:48.880
<v Speaker 1>and his cronies are really trying hard to not let

0:15:48.880 --> 0:15:51.240
<v Speaker 1>that happen. That being said, you can still request an

0:15:51.240 --> 0:15:55.520
<v Speaker 1>absentee ballot. And I don't know exactly what the like,

0:15:55.560 --> 0:15:57.800
<v Speaker 1>what the reasons you have to put on the absentee ballot,

0:15:57.840 --> 0:15:59.880
<v Speaker 1>like what you can select to say why you have

0:15:59.880 --> 0:16:02.960
<v Speaker 1>to vote absentee, but it's worth a try. And that's

0:16:03.000 --> 0:16:05.720
<v Speaker 1>another way to you know, mailing your vote and have

0:16:05.800 --> 0:16:09.760
<v Speaker 1>it counted. Because absentee ballots they are counted not as quickly,

0:16:09.800 --> 0:16:12.400
<v Speaker 1>but they do get counted. I just really, I just

0:16:12.480 --> 0:16:17.880
<v Speaker 1>hate the idea of people being I mean, I know

0:16:17.920 --> 0:16:19.600
<v Speaker 1>it's it could be so much easier, but I just

0:16:19.640 --> 0:16:24.640
<v Speaker 1>I it pisses me off that where that he could

0:16:24.680 --> 0:16:28.840
<v Speaker 1>possibly be discouraging people from getting out there and voting.

0:16:28.880 --> 0:16:30.960
<v Speaker 1>And this is not the time to sit down, like

0:16:31.000 --> 0:16:35.080
<v Speaker 1>we need everybody, We need everybody and we have I

0:16:35.120 --> 0:16:37.680
<v Speaker 1>don't just want him to lose, like I want him

0:16:37.840 --> 0:16:41.440
<v Speaker 1>to be obliterated, like we need to send a message.

0:16:41.440 --> 0:16:43.520
<v Speaker 1>I feel desperate in this and I haven't even been like,

0:16:44.200 --> 0:16:46.800
<v Speaker 1>you know, I assume a lot of our listeners you know,

0:16:48.120 --> 0:16:50.560
<v Speaker 1>aren't aren't aren't really Trump supporters. I mean, I'm just

0:16:50.600 --> 0:16:52.800
<v Speaker 1>gonna make an educated guest. Maybe that's true, but I

0:16:53.160 --> 0:16:55.960
<v Speaker 1>don't want to make anyone feel, you know, uncomfortable about

0:16:56.040 --> 0:16:59.000
<v Speaker 1>their political leanings. But I know lots of Republicans who

0:16:59.160 --> 0:17:02.440
<v Speaker 1>don't support this, Like, I mean, what he stands for

0:17:02.800 --> 0:17:05.679
<v Speaker 1>are not values. I mean, they're conservative, but they're not

0:17:06.280 --> 0:17:09.119
<v Speaker 1>they're there. You can't you can't. What I don't. What

0:17:09.200 --> 0:17:10.840
<v Speaker 1>I don't think people can get away with this time

0:17:10.880 --> 0:17:13.000
<v Speaker 1>around is you had a lot of Republicans last election

0:17:13.160 --> 0:17:14.439
<v Speaker 1>saying and I'll shut up with this in I mean,

0:17:14.480 --> 0:17:16.560
<v Speaker 1>I know I've been talking a lot. Sorry, I have

0:17:16.600 --> 0:17:19.640
<v Speaker 1>a lot of Republicans say, you know, oh, well I don't.

0:17:19.800 --> 0:17:23.000
<v Speaker 1>I don't believe in his you know, his social policies

0:17:23.119 --> 0:17:26.760
<v Speaker 1>or his you know, his his obviously you know, racist

0:17:26.800 --> 0:17:32.240
<v Speaker 1>and xenophobic beliefs. But you know, I'm I'm a Republican

0:17:32.320 --> 0:17:35.520
<v Speaker 1>and I believe in smaller government and less taxes, and

0:17:35.560 --> 0:17:37.600
<v Speaker 1>I just got to vote for this guy. Like I

0:17:37.640 --> 0:17:41.960
<v Speaker 1>think at this point, you can't. Like maybe in twenty sixteen,

0:17:42.080 --> 0:17:44.800
<v Speaker 1>maybe you could say that, you know, you can get

0:17:44.800 --> 0:17:46.879
<v Speaker 1>away with saying, well, he won't do what all he

0:17:46.960 --> 0:17:49.600
<v Speaker 1>says about these social issues. He's just going to go

0:17:49.640 --> 0:17:52.439
<v Speaker 1>in and you know, and and push, you know, toward

0:17:52.480 --> 0:17:55.840
<v Speaker 1>a more conservatives fiscal policy and all that. But he

0:17:55.920 --> 0:17:57.480
<v Speaker 1>has shown you who he is now, so when you

0:17:57.520 --> 0:17:59.000
<v Speaker 1>cast your vote for him, it's going to show us

0:17:59.040 --> 0:18:02.159
<v Speaker 1>who you are, and it's going to it's just going

0:18:02.200 --> 0:18:04.919
<v Speaker 1>to be unacceptable. I just can't. I just don't know

0:18:04.920 --> 0:18:07.640
<v Speaker 1>how anyone could, you know, cast a vote for him,

0:18:07.680 --> 0:18:10.959
<v Speaker 1>And I I think it'll be even more devastating than

0:18:10.960 --> 0:18:14.080
<v Speaker 1>it was in twenty sixteen if he wins. And I'm

0:18:14.080 --> 0:18:17.000
<v Speaker 1>truly scared that that's what will happen. If people you

0:18:17.040 --> 0:18:20.080
<v Speaker 1>know aren't out there voting, and Tiffany, you may now

0:18:20.480 --> 0:18:23.120
<v Speaker 1>don't mean to be quiet, but no.

0:18:23.240 --> 0:18:25.240
<v Speaker 2>I think it's that. I mean, it's just that important.

0:18:25.400 --> 0:18:29.760
<v Speaker 2>I mean, there's no I don't know because before I know,

0:18:29.800 --> 0:18:31.639
<v Speaker 2>people voted because it was like, what's the worst that

0:18:31.680 --> 0:18:34.200
<v Speaker 2>can happen? We are literally living in the worst that

0:18:34.240 --> 0:18:37.040
<v Speaker 2>could happen, not even the worst, but meaning that.

0:18:36.920 --> 0:18:39.640
<v Speaker 1>We couldn't imagine what it could be. Now it's yeah,

0:18:41.200 --> 0:18:41.840
<v Speaker 1>even I.

0:18:41.720 --> 0:18:45.119
<v Speaker 2>Was like, oh no, I don't want. I was like, wow,

0:18:45.560 --> 0:18:50.360
<v Speaker 2>to have someone so ill equipped to manage during literal

0:18:50.480 --> 0:18:55.080
<v Speaker 2>crisis and to have people die as a result.

0:18:56.560 --> 0:18:57.320
<v Speaker 1>Yeah, I just.

0:18:59.600 --> 0:19:01.320
<v Speaker 2>Yeah, I just we have to get out there there

0:19:01.359 --> 0:19:02.880
<v Speaker 2>and vote. I mean, there's just no other.

0:19:02.840 --> 0:19:07.159
<v Speaker 1>And we're all tired, right, we're tired, exhausted. There's a

0:19:07.200 --> 0:19:10.400
<v Speaker 1>lot to be cynical about. There is, especially if you're

0:19:10.400 --> 0:19:12.960
<v Speaker 1>a black body in this country. I know, exactly know.

0:19:13.400 --> 0:19:18.520
<v Speaker 1>But please show up, Please show up and vote early.

0:19:19.400 --> 0:19:22.159
<v Speaker 1>Bring a friend with you. Tell everyone if you can

0:19:22.200 --> 0:19:25.320
<v Speaker 1>vote early in your in your state. Let everyone know

0:19:25.359 --> 0:19:27.600
<v Speaker 1>that you can. You know, we need facts to win.

0:19:28.160 --> 0:19:31.960
<v Speaker 1>We definitely, definitely, definitely do also fill out your US Census. Okay,

0:19:31.960 --> 0:19:36.359
<v Speaker 1>this completes your US government APEUS government class.

0:19:36.400 --> 0:19:38.320
<v Speaker 2>You know, the census taker came to my house this weekend.

0:19:38.400 --> 0:19:40.320
<v Speaker 1>Did they really we didn't get one? Yeah, okay.

0:19:40.359 --> 0:19:41.960
<v Speaker 2>I was surprised. I was like, you guys are coming

0:19:42.000 --> 0:19:43.600
<v Speaker 2>out so, I mean, they had their masks on, and

0:19:43.680 --> 0:19:45.400
<v Speaker 2>I just like answered them at the door. I mean

0:19:45.440 --> 0:19:49.520
<v Speaker 2>I answered, like, but I was surprised because I was like, oh, okay.

0:19:49.160 --> 0:19:51.679
<v Speaker 1>Well, you know, they're ending the census early for no

0:19:51.880 --> 0:19:54.000
<v Speaker 1>good reason, but they're doing it a little bit earlier

0:19:54.000 --> 0:19:56.879
<v Speaker 1>than planned. I think the end of September now September thirtieth.

0:19:56.880 --> 0:19:59.680
<v Speaker 1>It was supposed to go through October. Let's talk about

0:19:59.680 --> 0:20:02.119
<v Speaker 1>a sense of so because you can't. The census is

0:20:02.400 --> 0:20:05.000
<v Speaker 1>it's only done every ten years, and it is how

0:20:05.240 --> 0:20:08.640
<v Speaker 1>governments decide like who is in different districts, like what's

0:20:08.680 --> 0:20:12.680
<v Speaker 1>the racial makeup demographics? This all is, this all feeds

0:20:12.720 --> 0:20:15.800
<v Speaker 1>into policies. So the legislation that's happening, the rules that

0:20:15.840 --> 0:20:18.520
<v Speaker 1>are being implemented that you don't agree with, like part

0:20:18.560 --> 0:20:21.600
<v Speaker 1>of that happens because of the census. And it's incredibly important,

0:20:22.119 --> 0:20:24.320
<v Speaker 1>so important that like Cardi b even did an ad

0:20:24.400 --> 0:20:26.120
<v Speaker 1>for New York, like a viral ad for New York

0:20:26.160 --> 0:20:27.960
<v Speaker 1>to fill out New Yorkers to fill out the census.

0:20:28.760 --> 0:20:30.040
<v Speaker 1>But you got to do it, and they're giving you

0:20:30.080 --> 0:20:32.399
<v Speaker 1>even less time than usual. Of course why because the

0:20:32.440 --> 0:20:35.000
<v Speaker 1>people in power it doesn't behoove them if brown and

0:20:35.040 --> 0:20:38.120
<v Speaker 1>black people show up in the census. And there's all

0:20:38.200 --> 0:20:42.200
<v Speaker 1>kinds of really terrible like misinformation out there being shared

0:20:42.200 --> 0:20:45.320
<v Speaker 1>on social media, like if you fill out a census

0:20:45.359 --> 0:20:48.040
<v Speaker 1>and you're an illegal immigrant, that you can be deported

0:20:48.160 --> 0:20:51.280
<v Speaker 1>and things like that, which is not true. Yeah, it's

0:20:51.280 --> 0:20:55.200
<v Speaker 1>another it's another way that you know, uh, people are

0:20:55.200 --> 0:20:58.440
<v Speaker 1>trying to suppress the vote of or sorry, suppress the

0:20:58.560 --> 0:21:02.359
<v Speaker 1>voice of black and brown Americans. And we've got to

0:21:02.359 --> 0:21:03.800
<v Speaker 1>get out there. Please fill out your senses. You can

0:21:03.840 --> 0:21:06.480
<v Speaker 1>do it online, just google Census. You can do it online.

0:21:06.480 --> 0:21:07.720
<v Speaker 1>You don't have to wait for someone to knock on

0:21:07.720 --> 0:21:08.080
<v Speaker 1>your door.

0:21:08.840 --> 0:21:11.200
<v Speaker 2>Yeah no, I mean, I you can do it online.

0:21:11.200 --> 0:21:13.000
<v Speaker 2>And that's also I mean they've been mailing like the

0:21:13.320 --> 0:21:14.480
<v Speaker 2>like the census paper.

0:21:14.880 --> 0:21:16.240
<v Speaker 1>I think we got the paper. Yeah, I think we

0:21:16.320 --> 0:21:17.320
<v Speaker 1>got the paper too.

0:21:17.560 --> 0:21:19.359
<v Speaker 2>Yeah, I think mailed like they I've gotten it so

0:21:19.400 --> 0:21:22.000
<v Speaker 2>many times. So there's just so many ways make yourself

0:21:22.000 --> 0:21:22.520
<v Speaker 2>be counted.

0:21:22.600 --> 0:21:24.000
<v Speaker 1>Let's put a link. We'll put a link in our

0:21:24.040 --> 0:21:27.240
<v Speaker 1>show notes. Yeah can say that, you know, Okay, well

0:21:27.240 --> 0:21:29.399
<v Speaker 1>made a little bit easier for y'all, but I'm sure that.

0:21:29.640 --> 0:21:31.520
<v Speaker 1>And I'll also find a good resource for you to

0:21:31.520 --> 0:21:33.880
<v Speaker 1>find out if you can vote early. But let's let's

0:21:33.880 --> 0:21:35.400
<v Speaker 1>I don't think it's too early to be starting. Look,

0:21:35.400 --> 0:21:37.520
<v Speaker 1>they already got pumpkin spice things on the shelves, y'all,

0:21:37.760 --> 0:21:40.080
<v Speaker 1>Like we can be talking about November election. Let's let's

0:21:40.119 --> 0:21:41.520
<v Speaker 1>do it exactly.

0:21:41.960 --> 0:21:44.280
<v Speaker 2>This is something that's totally random. But have you seen

0:21:44.480 --> 0:21:48.120
<v Speaker 2>like there's this is a New York Times. I don't

0:21:48.119 --> 0:21:50.359
<v Speaker 2>know if it's New York Times, but I just saw

0:21:50.400 --> 0:21:53.199
<v Speaker 2>something where it's like there's a growing phenomenon in marriage

0:21:53.240 --> 0:21:56.359
<v Speaker 2>called living apart together or lots, which I'm like, that

0:21:56.440 --> 0:21:59.919
<v Speaker 2>is so millennial. Lets what we're couples, Yes, we're couples

0:22:00.480 --> 0:22:03.280
<v Speaker 2>choose not to live together even after marriage. Given the

0:22:03.400 --> 0:22:06.520
<v Speaker 2>chance to do this, would you be would you be

0:22:06.600 --> 0:22:09.840
<v Speaker 2>married living get living separately with your partner? I'm like, wow,

0:22:10.760 --> 0:22:13.200
<v Speaker 2>I never heard of that before. But I mean I've

0:22:13.240 --> 0:22:17.679
<v Speaker 2>heard of I've definitely heard of not necessarily married people,

0:22:17.800 --> 0:22:22.280
<v Speaker 2>but people like a Steedman and an Oprah or Goldie

0:22:22.280 --> 0:22:24.760
<v Speaker 2>Hawn and Kurt Russell, like folks who are like in

0:22:24.880 --> 0:22:28.560
<v Speaker 2>long term like you know, partnerships that they have their

0:22:28.600 --> 0:22:30.560
<v Speaker 2>own houses and things like that, but they're not married,

0:22:30.560 --> 0:22:35.440
<v Speaker 2>but then you know they together. Yeah, but well, I

0:22:35.520 --> 0:22:37.080
<v Speaker 2>don't know. I don't well, honestly, I don't mean.

0:22:37.160 --> 0:22:39.600
<v Speaker 1>I think Oprah and seventy seven play is his own

0:22:39.600 --> 0:22:45.320
<v Speaker 1>wing of the estate, right, But isn't that like yeah,

0:22:45.440 --> 0:22:47.440
<v Speaker 1>I mean, I'm not gonna say it's weird because I know,

0:22:48.520 --> 0:22:51.880
<v Speaker 1>but I guess it's kind of like, uh, it's it's this.

0:22:52.000 --> 0:22:54.359
<v Speaker 1>Is this the new separate bedrooms or separate beds? You know,

0:22:54.400 --> 0:22:56.360
<v Speaker 1>like in the sixties or whatever, they should show like

0:22:56.359 --> 0:22:58.639
<v Speaker 1>like couples bedrooms and they would have like separate beds.

0:22:59.119 --> 0:23:01.520
<v Speaker 2>I wonder if this is the new separate beds or

0:23:01.560 --> 0:23:07.040
<v Speaker 2>separate bedrooms, what's the benefit? Yeah, I guess it's like

0:23:08.000 --> 0:23:09.320
<v Speaker 2>I don't know, it's financial.

0:23:09.680 --> 0:23:10.480
<v Speaker 1>Is it a tax thing?

0:23:11.480 --> 0:23:13.840
<v Speaker 2>No? I think the benefit is you can only get

0:23:13.880 --> 0:23:14.920
<v Speaker 2>on my nerves but so much.

0:23:15.040 --> 0:23:17.280
<v Speaker 1>But I'm like, but that's part of marriage.

0:23:17.800 --> 0:23:19.439
<v Speaker 2>I think. I don't know. I just thought that that

0:23:19.520 --> 0:23:22.400
<v Speaker 2>was interesting, Like someone's like, what's the point in that exactly,

0:23:22.480 --> 0:23:24.800
<v Speaker 2>Like isn't that the point of why not just have

0:23:24.880 --> 0:23:25.520
<v Speaker 2>a boyfriend?

0:23:25.840 --> 0:23:26.080
<v Speaker 1>Yeah?

0:23:26.080 --> 0:23:26.720
<v Speaker 2>A girlfriend?

0:23:26.840 --> 0:23:29.199
<v Speaker 1>By why I get married? Like, yeah, I have to

0:23:29.200 --> 0:23:30.880
<v Speaker 1>do that marriage.

0:23:30.840 --> 0:23:33.639
<v Speaker 2>You really don't. So I just thought that that was

0:23:33.760 --> 0:23:37.119
<v Speaker 2>really interesting. Like last I would love to hear from y'all.

0:23:37.320 --> 0:23:41.400
<v Speaker 2>Maybe maybe hashtag us like so tag me the Budgeanista

0:23:41.600 --> 0:23:45.560
<v Speaker 2>Mandy Mandy with an Eye, Money and Brian and Vision

0:23:45.600 --> 0:23:49.280
<v Speaker 2>podcast on Insta and let us know what do you

0:23:49.320 --> 0:23:50.840
<v Speaker 2>think about and then let us know what you think

0:23:50.880 --> 0:23:53.879
<v Speaker 2>about lat so hashtag lat you know, could you consider

0:23:54.000 --> 0:23:56.080
<v Speaker 2>living apart while you're together.

0:23:57.160 --> 0:23:59.000
<v Speaker 1>I'm sure a lot of people would just love to

0:23:59.040 --> 0:24:00.919
<v Speaker 1>have a backup house so that they could just like

0:24:00.920 --> 0:24:04.000
<v Speaker 1>there's a little bridge that connects them. I had there

0:24:04.040 --> 0:24:06.200
<v Speaker 1>was some celebrity couple that had to they had two

0:24:06.240 --> 0:24:08.480
<v Speaker 1>houses connected by a bridge, and like he lived in

0:24:08.480 --> 0:24:10.639
<v Speaker 1>one house and she lived in the other. Sometimes that

0:24:10.680 --> 0:24:13.360
<v Speaker 1>would be nice, But I still like my husband enough

0:24:13.400 --> 0:24:14.560
<v Speaker 1>to like want to live with him.

0:24:15.359 --> 0:24:17.720
<v Speaker 2>That's the only way to me, Like, I feel like

0:24:17.760 --> 0:24:21.879
<v Speaker 2>I could do that if I was like not liking

0:24:21.920 --> 0:24:23.560
<v Speaker 2>my husband and I'm old, I could see, like, you know,

0:24:23.640 --> 0:24:25.240
<v Speaker 2>being like seventy years old, Like yeah, he gets on

0:24:25.280 --> 0:24:28.159
<v Speaker 2>my nerve. But anybody getting divorced at seventy that I

0:24:28.200 --> 0:24:31.280
<v Speaker 2>could see that or which I have seen happen, especially

0:24:31.280 --> 0:24:34.840
<v Speaker 2>for immigrant families. It's like he goes to such and

0:24:34.880 --> 0:24:37.520
<v Speaker 2>such country first to make away for us like that

0:24:37.680 --> 0:24:40.000
<v Speaker 2>I can see, you know, But there's no judgment. I'm

0:24:40.000 --> 0:24:42.480
<v Speaker 2>just curious, like some of y'all young'ins, would you be

0:24:42.520 --> 0:24:43.919
<v Speaker 2>open to let living?

0:24:45.000 --> 0:24:49.200
<v Speaker 1>So yeah, living? All right? Well, uh well, definitely interested

0:24:49.200 --> 0:24:52.840
<v Speaker 1>in y'all's responses to that. If you're still, you know,

0:24:52.920 --> 0:24:55.560
<v Speaker 1>in love with your spouse five months into quarantine, then

0:24:55.560 --> 0:24:58.720
<v Speaker 1>God bless you. And we're doing it, y'all, Like we

0:24:58.800 --> 0:25:03.360
<v Speaker 1>haven't killed our spouse's yet. Enrique still lives and it's

0:25:03.440 --> 0:25:06.679
<v Speaker 1>kind of crazy. Five months into this thing. It's nuts.

0:25:06.920 --> 0:25:10.720
<v Speaker 1>I will say, homeboy Rio started to crawl last week, y'all,

0:25:10.760 --> 0:25:14.360
<v Speaker 1>and I like, like really crawl, and I always knew

0:25:14.359 --> 0:25:15.679
<v Speaker 1>he was going to be very good at it as

0:25:15.720 --> 0:25:17.840
<v Speaker 1>soon as he you know, he really wants to walk.

0:25:17.920 --> 0:25:20.879
<v Speaker 1>He's he's not down with this whole crawling life. He

0:25:20.920 --> 0:25:23.119
<v Speaker 1>would prefer if he could walk like a grown adult,

0:25:23.440 --> 0:25:25.840
<v Speaker 1>but he he'll deal with crawling because it's a good

0:25:25.880 --> 0:25:29.800
<v Speaker 1>way to get into Molly's dog dishes. But it's next

0:25:29.880 --> 0:25:33.080
<v Speaker 1>level uh quarantining with working from home with the with

0:25:33.160 --> 0:25:35.359
<v Speaker 1>the U with a crawler. I have to say it's

0:25:35.680 --> 0:25:37.800
<v Speaker 1>I'm not sure if I don't know how much longer

0:25:37.800 --> 0:25:39.840
<v Speaker 1>I could do this, But so far, so good. And

0:25:39.840 --> 0:25:42.280
<v Speaker 1>shout out to y'all again for for hanging in there.

0:25:43.240 --> 0:25:45.679
<v Speaker 2>Oh well, let's take a quick.

0:25:45.520 --> 0:25:49.760
<v Speaker 1>Break after your lessons in civics and be right back.

0:26:25.359 --> 0:26:27.000
<v Speaker 1>All right, we are back.

0:26:27.920 --> 0:26:31.600
<v Speaker 2>It's time for question my favorite part, my favorite pot,

0:26:31.640 --> 0:26:32.800
<v Speaker 2>my favorite pad.

0:26:33.400 --> 0:26:35.840
<v Speaker 1>Yeah. Well, before we get into y'all's questions again, you

0:26:35.880 --> 0:26:38.960
<v Speaker 1>can go to Brand Ambition Podcast dot com. You can

0:26:38.960 --> 0:26:41.560
<v Speaker 1>send us a question there by clicking on ask us Anything,

0:26:41.920 --> 0:26:44.400
<v Speaker 1>or hit us up directly on DM on Instagram. We're

0:26:44.440 --> 0:26:48.120
<v Speaker 1>at Brown Ambition Podcast on Insta or email us Brown

0:26:48.160 --> 0:26:52.280
<v Speaker 1>Ambition Podcast at gmail dot com dot com. All right,

0:26:52.359 --> 0:26:55.520
<v Speaker 1>let me dig through my my reader bag, all right

0:26:55.520 --> 0:26:57.280
<v Speaker 1>before we get into your questions. I really want to

0:26:57.320 --> 0:27:00.159
<v Speaker 1>Sometimes you guys send us just really thoughtful messages and

0:27:00.200 --> 0:27:02.560
<v Speaker 1>they mean so much to me in Tiffany when we

0:27:02.560 --> 0:27:03.919
<v Speaker 1>get them. So I wanted to share one that we

0:27:03.960 --> 0:27:07.000
<v Speaker 1>got from someone who wants to remain anonymous. She's someone

0:27:07.040 --> 0:27:09.240
<v Speaker 1>who recently saw Tiffany on Queerie and she's in a

0:27:09.240 --> 0:27:12.480
<v Speaker 1>same sex relationship, and she had this to say. I

0:27:12.520 --> 0:27:14.840
<v Speaker 1>saw Tiffany on Queerie and my wife said, wait, what

0:27:14.920 --> 0:27:17.680
<v Speaker 1>did she say? Rewind it. Ever since then, I have

0:27:17.760 --> 0:27:20.000
<v Speaker 1>been listening to y'all's podcast, and we signed up for

0:27:20.040 --> 0:27:23.200
<v Speaker 1>the liverach Or Academy. My wife used to literally stay

0:27:23.200 --> 0:27:26.080
<v Speaker 1>awake at night thinking about money moves. The podcast and

0:27:26.119 --> 0:27:29.359
<v Speaker 1>the literature Academy have been a blessing. I am black

0:27:29.359 --> 0:27:31.880
<v Speaker 1>and my wife is white. We face discrimination at work

0:27:31.920 --> 0:27:35.080
<v Speaker 1>in various forms due to our quote unquote lifestyle. These

0:27:35.160 --> 0:27:37.679
<v Speaker 1>challenges have led us to seek other career paths. We

0:27:37.760 --> 0:27:39.639
<v Speaker 1>decided to focus on what makes us happy as a

0:27:39.680 --> 0:27:43.320
<v Speaker 1>couple and as moms, feeling fulfilled and at peace. We

0:27:43.400 --> 0:27:45.560
<v Speaker 1>have to say that this podcast in its messages have

0:27:45.600 --> 0:27:47.879
<v Speaker 1>been a welcome relief to us. I don't have black

0:27:47.920 --> 0:27:50.640
<v Speaker 1>friends and have been longing to have positive black voices

0:27:50.680 --> 0:27:53.119
<v Speaker 1>in my ear. Our son, who are our world, is

0:27:53.160 --> 0:27:56.639
<v Speaker 1>also Caucasian. I am outnumbered at home and at work.

0:27:56.960 --> 0:27:59.199
<v Speaker 1>We took so many boxes and diversity that we are

0:27:59.320 --> 0:28:02.240
<v Speaker 1>very isolated. Our goal is to move to France because

0:28:02.240 --> 0:28:05.439
<v Speaker 1>we feel comfortable and welcome there as a lesbian interracial couple.

0:28:05.840 --> 0:28:09.000
<v Speaker 1>We're all taking French classes and moving towards those goals daily.

0:28:09.359 --> 0:28:12.760
<v Speaker 1>We loved the Our Rich Journey episode. The grace and

0:28:12.840 --> 0:28:15.840
<v Speaker 1>serenity they have is something to aspire to obtain. Not

0:28:15.960 --> 0:28:17.879
<v Speaker 1>to give my entire life story. I just wanted to

0:28:17.880 --> 0:28:19.720
<v Speaker 1>say that I really appreciate you both.

0:28:21.000 --> 0:28:25.200
<v Speaker 2>Oh that's really send you yeah, sending your love some hugs.

0:28:25.359 --> 0:28:28.720
<v Speaker 2>You know, that's you know, it's not easy being quote

0:28:28.800 --> 0:28:31.119
<v Speaker 2>unquote other, you know. I mean, that's why you know,

0:28:31.280 --> 0:28:35.880
<v Speaker 2>Mandy and I do this podcast because Mandy, you represent

0:28:35.960 --> 0:28:39.480
<v Speaker 2>other in different ways, and I represent other in different ways, and.

0:28:39.800 --> 0:28:42.000
<v Speaker 1>But we're not doing all the others. There's so many others.

0:28:42.400 --> 0:28:46.760
<v Speaker 2>And I know, and that's why I think I was

0:28:46.800 --> 0:28:49.000
<v Speaker 2>telling somebody. I think it was I was. I wasn't

0:28:49.080 --> 0:28:51.080
<v Speaker 2>we going to talk about the Elevate conference later on

0:28:51.160 --> 0:28:54.360
<v Speaker 2>but in our brob break, But I was. I helped

0:28:54.400 --> 0:28:58.360
<v Speaker 2>to do the opening of this conference called Elevate, which

0:28:58.520 --> 0:29:02.640
<v Speaker 2>seeks to give voice to other in the personal finance space,

0:29:03.040 --> 0:29:06.720
<v Speaker 2>like so LGBTQ. I think I'm saying it right. I'm sorry,

0:29:06.720 --> 0:29:11.280
<v Speaker 2>I'm not, but also black and brown and Asian and

0:29:11.280 --> 0:29:15.400
<v Speaker 2>and you know, because they're just even despite all the

0:29:15.480 --> 0:29:19.920
<v Speaker 2>movement that's been made in this space, largely the voice

0:29:20.160 --> 0:29:23.160
<v Speaker 2>of you know, what's heard in the personal finance spaces

0:29:23.280 --> 0:29:26.760
<v Speaker 2>is white and male, and you know, and that is

0:29:26.840 --> 0:29:30.600
<v Speaker 2>one perspective. It's not invalid, but it's not the only perspective,

0:29:31.080 --> 0:29:34.120
<v Speaker 2>and neither is mine. I don't speak for all black

0:29:34.200 --> 0:29:36.840
<v Speaker 2>or brown women, and nor should I. I just think

0:29:36.880 --> 0:29:40.160
<v Speaker 2>that there's so much room and necessity for so many

0:29:40.200 --> 0:29:42.640
<v Speaker 2>different voices. And I'm just so happy to see that

0:29:42.640 --> 0:29:46.760
<v Speaker 2>that's happening and that you found us, and yay, and yes,

0:29:47.040 --> 0:29:50.440
<v Speaker 2>our rich journey is also a great resource. I've been like,

0:29:50.440 --> 0:29:52.760
<v Speaker 2>like you said, the grace and serenity chap me and

0:29:52.840 --> 0:29:54.520
<v Speaker 2>Maddy have been swirling ever since.

0:29:54.760 --> 0:30:00.000
<v Speaker 1>Yeah, they had such a you know for such lovely, peaceful,

0:30:00.120 --> 0:30:02.960
<v Speaker 1>calm individuals. They just make waves wherever they go. It

0:30:02.960 --> 0:30:05.560
<v Speaker 1>feels like I love, I think the value in them

0:30:05.600 --> 0:30:07.120
<v Speaker 1>and what Tiffany I both seem to have gotten out

0:30:07.160 --> 0:30:10.840
<v Speaker 1>of it was just just like, you know, pause and

0:30:11.080 --> 0:30:13.600
<v Speaker 1>oh wait a second, let's let's reassess how we are

0:30:13.720 --> 0:30:15.960
<v Speaker 1>living life or how we are working and just be

0:30:16.080 --> 0:30:18.360
<v Speaker 1>open to that. And I love that y'all are thinking

0:30:18.440 --> 0:30:21.560
<v Speaker 1>about France because I think stories like Christina and a

0:30:21.600 --> 0:30:24.400
<v Speaker 1>Mon's are really powerful because they show you a different

0:30:24.400 --> 0:30:26.920
<v Speaker 1>way of life, like why not Portugal? It makes you,

0:30:26.960 --> 0:30:29.240
<v Speaker 1>it forced you to ask that question, well, why don't

0:30:29.280 --> 0:30:31.840
<v Speaker 1>I move to France where I would feel more comfortable,

0:30:32.240 --> 0:30:34.840
<v Speaker 1>especially in the time of COVID, when it makes even

0:30:34.920 --> 0:30:36.360
<v Speaker 1>less sense that I live where I do now with

0:30:36.400 --> 0:30:39.720
<v Speaker 1>these high ass taxes. There's no school and like it's

0:30:39.840 --> 0:30:40.800
<v Speaker 1>very expensive, and I'm.

0:30:40.720 --> 0:30:41.840
<v Speaker 2>Like, well, well why do I live here?

0:30:41.880 --> 0:30:43.680
<v Speaker 1>Oh? Because it's you know, a good commute to work,

0:30:43.720 --> 0:30:46.120
<v Speaker 1>the way that we have, just like we have all

0:30:46.160 --> 0:30:48.960
<v Speaker 1>just built our lives around you know, this way of life,

0:30:49.000 --> 0:30:51.560
<v Speaker 1>this nine to five or you know, wherever your business

0:30:51.600 --> 0:30:55.240
<v Speaker 1>is based. And yeah, it's a really good inflection point.

0:30:55.680 --> 0:30:58.480
<v Speaker 1>And I'm happy to hear that. You know, the show

0:30:58.520 --> 0:31:00.560
<v Speaker 1>is helping you get there, and also stories Christina and

0:31:00.600 --> 0:31:03.320
<v Speaker 1>Aman's and but I get it. I know, I can

0:31:03.400 --> 0:31:05.920
<v Speaker 1>kind of understand what it's like to be you know,

0:31:06.000 --> 0:31:09.640
<v Speaker 1>you're so many layers of other that people sometimes don't

0:31:09.640 --> 0:31:12.040
<v Speaker 1>know what to do with you, Like, oh, which box

0:31:12.160 --> 0:31:15.000
<v Speaker 1>I put you in? Like, oh, seven five different boxes?

0:31:15.000 --> 0:31:20.200
<v Speaker 1>I cannot compute error error and it's not fair, but

0:31:20.280 --> 0:31:23.280
<v Speaker 1>it's good for y'all to, you know, speak out and

0:31:23.760 --> 0:31:26.520
<v Speaker 1>remind folks that you know, not everyone is. You know,

0:31:26.560 --> 0:31:28.920
<v Speaker 1>there are these others, you know types out there, and

0:31:29.840 --> 0:31:31.640
<v Speaker 1>y'all are just as valid and your concerns are just

0:31:31.680 --> 0:31:32.720
<v Speaker 1>as valid as everyone else.

0:31:33.480 --> 0:31:34.320
<v Speaker 2>Yes for sure.

0:31:34.640 --> 0:31:37.560
<v Speaker 1>All right, well, thank you for sending that message, Anonymous.

0:31:37.760 --> 0:31:40.960
<v Speaker 1>All right, well, let's back to our regularly scheduled programming.

0:31:41.000 --> 0:31:43.080
<v Speaker 1>Let's get to a question. This one's a good one.

0:31:43.080 --> 0:31:45.680
<v Speaker 1>This comes from a listener who was recently furloughed and

0:31:45.720 --> 0:31:49.040
<v Speaker 1>has a question about her credit debt. All right, I

0:31:49.040 --> 0:31:51.080
<v Speaker 1>can get my screen shot back. All right, Hey, ladies,

0:31:51.160 --> 0:31:53.000
<v Speaker 1>she says, I'd like to be called Raven. And the

0:31:53.000 --> 0:31:55.120
<v Speaker 1>baby's eating, so you know it's in your time. Here,

0:31:55.160 --> 0:31:57.680
<v Speaker 1>see all my here, little a little rio magic in

0:31:57.720 --> 0:32:01.200
<v Speaker 1>the background. All right, Raven says, hey ladies, I am

0:32:01.640 --> 0:32:04.680
<v Speaker 1>here repping the dream Catchers. I desperately need advice because

0:32:04.680 --> 0:32:07.760
<v Speaker 1>I want to make the right steps in securing my future.

0:32:08.400 --> 0:32:11.240
<v Speaker 1>And it's my first week back to work after being furlowed. Okay,

0:32:11.240 --> 0:32:13.800
<v Speaker 1>so she's been furlowed for several months. She's been able

0:32:13.840 --> 0:32:15.680
<v Speaker 1>to save a lot because she cut out a lot

0:32:15.680 --> 0:32:19.200
<v Speaker 1>of unnecessary bills and no longer has a car payment.

0:32:19.520 --> 0:32:22.200
<v Speaker 1>I'm living on my noodle noodle budget, she says. Show

0:32:22.280 --> 0:32:25.360
<v Speaker 1>it's tiffany. My main bills are my rent, insurance, and internet,

0:32:25.440 --> 0:32:28.960
<v Speaker 1>so about fourteen hundred dollars. During my time off from work,

0:32:29.040 --> 0:32:31.800
<v Speaker 1>I've started working on my own business. Okay. So while

0:32:31.840 --> 0:32:34.000
<v Speaker 1>she was furloughed, she started to think about ways to

0:32:34.200 --> 0:32:37.280
<v Speaker 1>invest in her own business, and she's wanting to invest

0:32:37.320 --> 0:32:40.640
<v Speaker 1>about three thousand dollars into herself, which she says, I

0:32:40.640 --> 0:32:42.600
<v Speaker 1>feel I can save up for as I usually can

0:32:42.640 --> 0:32:46.480
<v Speaker 1>save about five hundred dollars every other paycheck. However, my

0:32:46.520 --> 0:32:48.720
<v Speaker 1>biggest concern, she says, is about the last of my

0:32:48.800 --> 0:32:53.040
<v Speaker 1>credit card debt, which is sixty six hundred dollars right now.

0:32:53.280 --> 0:32:56.520
<v Speaker 1>This card she's using has a zero percent interest rate,

0:32:57.040 --> 0:32:59.840
<v Speaker 1>but the promotion will be ending in September, and the

0:33:00.000 --> 0:33:02.640
<v Speaker 1>credit card issuer said that the interest rate could go

0:33:02.680 --> 0:33:07.280
<v Speaker 1>as high as thirty percent. My credit score is seven eighty, Okay,

0:33:07.400 --> 0:33:09.680
<v Speaker 1>she says. What should I do? Should I take the

0:33:09.680 --> 0:33:11.840
<v Speaker 1>money out of my savings and just pay the card off?

0:33:12.560 --> 0:33:14.800
<v Speaker 1>But that concerns me since I'm more than likely going

0:33:14.840 --> 0:33:19.640
<v Speaker 1>to be placed on furlough again in November until January. Okay,

0:33:20.880 --> 0:33:24.040
<v Speaker 1>so let's unpack this. So she's got this sixty six

0:33:24.160 --> 0:33:26.400
<v Speaker 1>hundred dollars of credit card debt on a zero percent

0:33:26.480 --> 0:33:28.440
<v Speaker 1>interest card. So it sounds like she got a great

0:33:28.760 --> 0:33:32.800
<v Speaker 1>promotional credit card offer. That's nice. She's been saving on

0:33:32.840 --> 0:33:35.120
<v Speaker 1>the side. She got like sixteen K in the bank.

0:33:35.200 --> 0:33:37.480
<v Speaker 1>She's probably whittled that down a little bit since she

0:33:37.560 --> 0:33:41.680
<v Speaker 1>was furloughed, but she's got some savings. September is coming, right,

0:33:41.760 --> 0:33:44.320
<v Speaker 1>it's very as soon upon us. Her interest rate promotion

0:33:44.400 --> 0:33:45.760
<v Speaker 1>is going to be ending. It could go up to

0:33:45.800 --> 0:33:49.960
<v Speaker 1>thirty percent. But she's got pretty decent credit. What are

0:33:50.000 --> 0:33:51.840
<v Speaker 1>you thinking, Tiffity.

0:33:51.680 --> 0:33:54.720
<v Speaker 2>Well, first I'm like, YI, so this is I'm glad

0:33:54.760 --> 0:33:59.840
<v Speaker 2>to Raven, Hey girl, DC, But I'm glad that this

0:33:59.920 --> 0:34:02.360
<v Speaker 2>is That's such a great question, because well, Raven, you're

0:34:02.400 --> 0:34:04.680
<v Speaker 2>in a great position. Because first thing I would do

0:34:05.400 --> 0:34:11.200
<v Speaker 2>is fly to Magnify money dot com and find fly, Yes, fly,

0:34:11.920 --> 0:34:14.360
<v Speaker 2>and find myself a balanced transfer card. Because you're in

0:34:14.400 --> 0:34:17.759
<v Speaker 2>a great position, Raven, because you have excellent credit. I

0:34:17.800 --> 0:34:20.799
<v Speaker 2>can't promise that whatever your balanced transfer card is going

0:34:20.840 --> 0:34:23.600
<v Speaker 2>to be, it's gonna take the full sixty six hundred,

0:34:24.000 --> 0:34:27.840
<v Speaker 2>but see how much you're able to get, and because

0:34:27.880 --> 0:34:30.600
<v Speaker 2>I quite honestly might go for two of them because

0:34:30.719 --> 0:34:34.960
<v Speaker 2>up to thirty percent, and that's compounding. So for those

0:34:34.960 --> 0:34:37.160
<v Speaker 2>of you, what I mean is this is that, let's

0:34:37.160 --> 0:34:40.080
<v Speaker 2>just say, for the sake of argument, Raven owed a

0:34:40.160 --> 0:34:42.239
<v Speaker 2>dollar and they were like, oh, you didn't pay off

0:34:42.239 --> 0:34:45.120
<v Speaker 2>this dollar. Your promotion ends. You're going to have to

0:34:45.120 --> 0:34:48.520
<v Speaker 2>pay thirty thirty cents on that dollar and fees. That's

0:34:48.560 --> 0:34:52.319
<v Speaker 2>a dollar thirty. And then what compounding means is that

0:34:52.520 --> 0:34:54.400
<v Speaker 2>if she doesn't pay off that dollar thirty by the

0:34:54.400 --> 0:34:58.000
<v Speaker 2>next month, she's paying an additional thirty percent on not

0:34:58.080 --> 0:35:01.160
<v Speaker 2>just the dollar again, but the full dollar thirty. Yeah,

0:35:01.400 --> 0:35:03.640
<v Speaker 2>and so every month it's just I mean, I'm making

0:35:03.640 --> 0:35:06.640
<v Speaker 2>it really simple obviously, but every month it's going to

0:35:07.080 --> 0:35:10.160
<v Speaker 2>you're going to be paying not just interest on the

0:35:10.280 --> 0:35:14.160
<v Speaker 2>on the principle the original dollar, but interest on the interest,

0:35:14.680 --> 0:35:17.440
<v Speaker 2>and interest on the interest interest, and interest on the

0:35:17.440 --> 0:35:20.520
<v Speaker 2>interest interest, Like do you see, Like, yeah, so it's

0:35:20.520 --> 0:35:24.280
<v Speaker 2>not five percent, it's not six percent, potentially thirty percent.

0:35:24.320 --> 0:35:28.600
<v Speaker 2>That's egregious. So I would literally fly up to magnify

0:35:29.239 --> 0:35:32.080
<v Speaker 2>mag ni f y magnify money dot com. And we're

0:35:32.080 --> 0:35:33.800
<v Speaker 2>not just shouting it out because that's where many works.

0:35:34.120 --> 0:35:38.120
<v Speaker 2>Well kind of because back they're about by London try,

0:35:38.600 --> 0:35:40.600
<v Speaker 2>but still it's still one of my favorite go to sites,

0:35:41.680 --> 0:35:45.200
<v Speaker 2>magnify money dot com. Look for a balanced transfer card,

0:35:45.360 --> 0:35:48.279
<v Speaker 2>maybe two if the first one doesn't fully take on

0:35:48.360 --> 0:35:52.560
<v Speaker 2>the sixty six hundred, Because normally, if if you weren't

0:35:52.600 --> 0:35:56.520
<v Speaker 2>to me, if raven, you weren't subject to furlough in

0:35:56.600 --> 0:35:58.799
<v Speaker 2>a month or so, I might just say, girl, take

0:35:58.800 --> 0:36:00.480
<v Speaker 2>that six thousand off from your sixty one hundred and

0:36:00.520 --> 0:36:03.120
<v Speaker 2>paid off. Normally, that's not what I would say, but

0:36:03.640 --> 0:36:06.520
<v Speaker 2>because of the potential high interest, that's what you know

0:36:06.560 --> 0:36:06.879
<v Speaker 2>I would.

0:36:06.920 --> 0:36:07.239
<v Speaker 1>I would.

0:36:07.280 --> 0:36:09.719
<v Speaker 2>I would have said that if we weren't in you know,

0:36:10.320 --> 0:36:13.040
<v Speaker 2>quarantine and pandemic and all that kind of stuff. Now,

0:36:13.160 --> 0:36:14.960
<v Speaker 2>because you're right, I need you to hold on to

0:36:15.040 --> 0:36:16.959
<v Speaker 2>your savings, but that's what I would do. I would

0:36:17.000 --> 0:36:20.040
<v Speaker 2>get one or two balanced transfer card to transfer that

0:36:20.080 --> 0:36:23.479
<v Speaker 2>balance so you can pay it down slowly without having

0:36:23.480 --> 0:36:25.439
<v Speaker 2>to tap into your savings, which you're going to need

0:36:25.680 --> 0:36:27.640
<v Speaker 2>because you know you can be furloughed soon. So that's

0:36:27.680 --> 0:36:28.440
<v Speaker 2>what I would do.

0:36:28.880 --> 0:36:31.319
<v Speaker 1>Yeah, and I think I mean, your credit score right

0:36:31.360 --> 0:36:34.080
<v Speaker 1>now is an asset, and this is we talk about

0:36:34.120 --> 0:36:36.520
<v Speaker 1>credit scores a lot. People are obsessed with their credit score,

0:36:36.640 --> 0:36:39.440
<v Speaker 1>and I think you it's the kind of asset you

0:36:39.520 --> 0:36:41.359
<v Speaker 1>kind of want to have in your back pocket when

0:36:41.440 --> 0:36:43.319
<v Speaker 1>times can be tough like this, because it gives you

0:36:43.400 --> 0:36:46.960
<v Speaker 1>access to affordable debt and in your case, with a

0:36:47.000 --> 0:36:49.680
<v Speaker 1>seven to eighty credit score, it's likely, you know, we

0:36:49.680 --> 0:36:51.920
<v Speaker 1>can't say for sure, but it's likely you could qualify

0:36:52.040 --> 0:36:54.520
<v Speaker 1>for another credit card offer that's as good as this

0:36:54.600 --> 0:36:58.000
<v Speaker 1>one zero percent for promotional period. So yeah, you can

0:36:58.040 --> 0:37:01.440
<v Speaker 1>start there. I was wondering though, So, you know, because

0:37:01.440 --> 0:37:04.200
<v Speaker 1>she's she's good at saving, obviously, she's got really good

0:37:04.239 --> 0:37:07.439
<v Speaker 1>financial habits. She's trying to go in the next year

0:37:07.680 --> 0:37:10.719
<v Speaker 1>because she's obviously in this career, this career path where

0:37:10.760 --> 0:37:14.480
<v Speaker 1>she's being furloughed. She says again, she'll be furlowed this fall.

0:37:14.760 --> 0:37:17.440
<v Speaker 1>She's already been furloughed once through the pandemic, and she's

0:37:17.640 --> 0:37:20.000
<v Speaker 1>wanting to pivot away from this career and start her

0:37:20.040 --> 0:37:22.520
<v Speaker 1>own business. Like what if she ends up in the

0:37:22.560 --> 0:37:25.640
<v Speaker 1>same predicament again, So like, let's say she gets another

0:37:25.680 --> 0:37:29.560
<v Speaker 1>twelve month APR, you know, for zero percent interest, and

0:37:29.760 --> 0:37:32.640
<v Speaker 1>it's next year and things have been a little bit rocky,

0:37:32.719 --> 0:37:37.080
<v Speaker 1>she's been furloughed, and like, I'm just I almost wonder, like,

0:37:37.160 --> 0:37:40.160
<v Speaker 1>what's the case for talking about like a debt consolidation

0:37:40.320 --> 0:37:42.480
<v Speaker 1>loan through a credit union at a super low rate,

0:37:42.560 --> 0:37:45.160
<v Speaker 1>because and this is just me presenting another option. I'm

0:37:45.200 --> 0:37:46.719
<v Speaker 1>not saying it's a better option. I mean, you do

0:37:46.760 --> 0:37:50.759
<v Speaker 1>it ultimately what you want to do, Raven, I forgot

0:37:50.800 --> 0:37:53.879
<v Speaker 1>your your code name, Raven. But like with a debt

0:37:53.880 --> 0:37:56.000
<v Speaker 1>consolidation loan, with your excellent credit, you know you can

0:37:56.000 --> 0:37:57.799
<v Speaker 1>probably get you know, rates are p really really low

0:37:57.880 --> 0:38:00.400
<v Speaker 1>right now, and go to a credit union see if

0:38:00.400 --> 0:38:03.560
<v Speaker 1>they can give you a a personal loan for the

0:38:03.680 --> 0:38:05.359
<v Speaker 1>amount that you want to pay off your credit card.

0:38:05.440 --> 0:38:07.919
<v Speaker 1>And that gives you that's that's a one time loan.

0:38:08.000 --> 0:38:10.160
<v Speaker 1>It's a fixed payment. You know how much you're going

0:38:10.200 --> 0:38:12.640
<v Speaker 1>to pay each month, and you know when the loan's

0:38:12.680 --> 0:38:14.520
<v Speaker 1>going to be paid off. And yes, you pay a

0:38:14.560 --> 0:38:16.359
<v Speaker 1>little bit of interest, but you don't have to worry

0:38:16.400 --> 0:38:19.759
<v Speaker 1>about it ever expiring and getting hit with Like the

0:38:19.800 --> 0:38:22.480
<v Speaker 1>thing about these zero percent EPR offers is sometimes they

0:38:22.480 --> 0:38:26.279
<v Speaker 1>even have a deferred interest clause, which isn't just like, oh,

0:38:26.320 --> 0:38:28.319
<v Speaker 1>your interest rate's going to go up, you know when

0:38:28.360 --> 0:38:30.680
<v Speaker 1>this promo period's over. It's also, oh, we're going to

0:38:30.760 --> 0:38:33.040
<v Speaker 1>go back to the very beginning and pretend like you

0:38:33.040 --> 0:38:35.399
<v Speaker 1>were paying interests the entire time and just smack all

0:38:35.440 --> 0:38:38.719
<v Speaker 1>that interest onto your balance and then, like Tiffany was saying,

0:38:38.760 --> 0:38:41.239
<v Speaker 1>then compounding interest takes over and then you're just like

0:38:41.600 --> 0:38:45.720
<v Speaker 1>seriously screwed. Yes, So I would consider as a second option.

0:38:46.160 --> 0:38:48.320
<v Speaker 1>You know, you know your financial picture better than anyone.

0:38:48.360 --> 0:38:51.200
<v Speaker 1>You know about your job and your ability to get

0:38:51.200 --> 0:38:53.759
<v Speaker 1>this business off the ground. But that's another option you

0:38:53.800 --> 0:38:54.800
<v Speaker 1>might want to look into.

0:38:54.680 --> 0:38:56.920
<v Speaker 2>Is you know, Yeah, that's a great one too. That

0:38:56.920 --> 0:38:59.640
<v Speaker 2>could talk to Mandy's point. So if you have two

0:39:00.640 --> 0:39:02.560
<v Speaker 2>so I know you're right, man, some people are just

0:39:02.600 --> 0:39:04.759
<v Speaker 2>totally obsessed with their credit And I'm always like, once

0:39:04.800 --> 0:39:08.160
<v Speaker 2>you have a seven fifty, you can calm down, Susan, Yeah,

0:39:09.000 --> 0:39:12.200
<v Speaker 2>because at eight fifty is like elusive. I know, but

0:39:12.239 --> 0:39:13.960
<v Speaker 2>I'm like nobody, it doesn't.

0:39:14.400 --> 0:39:15.080
<v Speaker 1>It doesn't, man.

0:39:15.560 --> 0:39:18.719
<v Speaker 2>I tell people like it's arranged literally seven fifty to

0:39:18.760 --> 0:39:21.919
<v Speaker 2>eight fifty. It's considered AA plus, Like we're both going

0:39:21.960 --> 0:39:24.280
<v Speaker 2>to Harvard boo, I will see you with my seven fifty.

0:39:24.719 --> 0:39:27.839
<v Speaker 2>So that's why. So I'm glad Raven that you've been

0:39:27.880 --> 0:39:29.759
<v Speaker 2>able to maintain a high credit score. Because now you

0:39:29.760 --> 0:39:32.480
<v Speaker 2>have two great options. You might do a mix and match.

0:39:32.840 --> 0:39:35.960
<v Speaker 2>You might do like, hey, let me see, because they

0:39:35.960 --> 0:39:38.479
<v Speaker 2>don't like, they don't tell you the balance cornsfer card

0:39:38.520 --> 0:39:40.160
<v Speaker 2>people that you choose, like I said, if you go

0:39:40.160 --> 0:39:42.600
<v Speaker 2>to Magnify money, they won't tell you how much until

0:39:42.600 --> 0:39:44.320
<v Speaker 2>it kind of goes through. So let's just say of

0:39:44.400 --> 0:39:47.920
<v Speaker 2>the sixty six hundred they say, hey, you know, you're

0:39:47.960 --> 0:39:50.839
<v Speaker 2>approved for four thousand, and then you might get as

0:39:50.880 --> 0:39:53.279
<v Speaker 2>many mentioned You might go to a credit union and

0:39:53.280 --> 0:39:55.239
<v Speaker 2>get the rest. So you can mix and match. You

0:39:55.280 --> 0:39:57.760
<v Speaker 2>can do one or the other. But because of your

0:39:57.800 --> 0:40:00.840
<v Speaker 2>of your good credit, you have options, which is really.

0:40:00.680 --> 0:40:04.440
<v Speaker 1>Good exactly, options and freedom to choose. So take advantage

0:40:04.440 --> 0:40:06.520
<v Speaker 1>of that. All right, can we take one more question?

0:40:06.560 --> 0:40:07.000
<v Speaker 1>You got time?

0:40:07.719 --> 0:40:08.120
<v Speaker 2>Of course?

0:40:08.200 --> 0:40:13.000
<v Speaker 1>Always? All right? Of always? What am I saying, Lord Tiffany,

0:40:13.040 --> 0:40:15.080
<v Speaker 1>I are both like sweating and our with no ac

0:40:15.280 --> 0:40:18.000
<v Speaker 1>on uh, just losing our minds. All right, here's a

0:40:18.080 --> 0:40:20.920
<v Speaker 1>question from a listener called Eve. All Right, Eve says,

0:40:20.960 --> 0:40:23.279
<v Speaker 1>high ladies, I want to start investing in stocks. Is

0:40:23.320 --> 0:40:25.839
<v Speaker 1>there an app you guys can recommend for beginners. I've

0:40:25.880 --> 0:40:28.360
<v Speaker 1>tried Acorns and didn't like it too much. I'm currently

0:40:28.360 --> 0:40:30.600
<v Speaker 1>looking into robin Hood and Stash, but I'm not sure

0:40:30.640 --> 0:40:33.880
<v Speaker 1>which would be better for beginners. This is a hot question.

0:40:33.960 --> 0:40:36.000
<v Speaker 1>Everyone with all their free time right now is trying

0:40:36.000 --> 0:40:39.839
<v Speaker 1>to get into stock investing, which is like good and bad. Yeah,

0:40:39.840 --> 0:40:42.719
<v Speaker 1>good because it's exciting to grow your wealth and you know,

0:40:42.920 --> 0:40:46.080
<v Speaker 1>I am all we're all about that. But yeah, these

0:40:46.080 --> 0:40:48.400
<v Speaker 1>are these are very common apps to Tiffany, you're a

0:40:48.400 --> 0:40:50.799
<v Speaker 1>fan of acorns. I think you also use robin Hood.

0:40:50.800 --> 0:40:54.160
<v Speaker 1>I've used I've used robin Hood. I've never used acorns

0:40:54.320 --> 0:40:56.759
<v Speaker 1>or stash, But yeah, what what what do you? What

0:40:56.840 --> 0:40:58.840
<v Speaker 1>are your opinions? Because all we can share is our opinions.

0:40:58.880 --> 0:41:01.200
<v Speaker 1>Really what we I mean.

0:41:01.600 --> 0:41:03.359
<v Speaker 2>If it depends on what you're trying to do, Like

0:41:03.960 --> 0:41:06.680
<v Speaker 2>I I call I like to use robin Hood for

0:41:06.719 --> 0:41:09.399
<v Speaker 2>what I call fun investing. That's why I'm like, oh,

0:41:09.520 --> 0:41:11.560
<v Speaker 2>you know, I heard of a hot stock or whatever.

0:41:11.719 --> 0:41:13.439
<v Speaker 2>Let me do some more research on blah blah blah.

0:41:13.440 --> 0:41:15.239
<v Speaker 2>I'm gonna buy a few of it. I'm not like

0:41:15.360 --> 0:41:20.400
<v Speaker 2>I don't use robin Hood for like hardcore like you know, investing,

0:41:20.520 --> 0:41:21.799
<v Speaker 2>not to say that you can't. I'm just saying how

0:41:21.800 --> 0:41:22.200
<v Speaker 2>I use it.

0:41:22.239 --> 0:41:24.400
<v Speaker 1>I just use it, I mean like long term.

0:41:25.280 --> 0:41:27.160
<v Speaker 2>Yeah, I mean like even though I don't really I'm

0:41:27.160 --> 0:41:29.239
<v Speaker 2>not really big on selling, but meaning like I use

0:41:29.320 --> 0:41:31.319
<v Speaker 2>robin Hood to kind of test out my theory. I'm like, oh,

0:41:31.360 --> 0:41:33.040
<v Speaker 2>I wonder how much let me see, let me get

0:41:33.040 --> 0:41:35.799
<v Speaker 2>the stock at this price. But then I use what

0:41:35.840 --> 0:41:38.040
<v Speaker 2>am I using for? Like the long term? What was that?

0:41:38.320 --> 0:41:39.520
<v Speaker 1>Like? I feel like it starts with the E.

0:41:39.920 --> 0:41:41.880
<v Speaker 2>It's a brokerage account that I actually used for like

0:41:41.920 --> 0:41:45.040
<v Speaker 2>if I'm going to do like bigger stock purchases.

0:41:44.800 --> 0:41:47.480
<v Speaker 1>Eat Trade because uh yeah, eat Trade Okay.

0:41:49.120 --> 0:41:50.880
<v Speaker 2>So I just use that for like, you know, like

0:41:51.000 --> 0:41:52.600
<v Speaker 2>more of a like an in depth like because I

0:41:52.719 --> 0:41:56.040
<v Speaker 2>like Holly, I'll use their tools I used to learn more.

0:41:56.239 --> 0:41:58.960
<v Speaker 2>I'm like, you know, really like more invested, and I

0:41:58.960 --> 0:42:00.840
<v Speaker 2>haven't used them in a while because I financial advisor

0:42:00.920 --> 0:42:04.239
<v Speaker 2>or financial planner now, But who does those things for me?

0:42:04.280 --> 0:42:05.839
<v Speaker 2>But That's what I was using it for back then,

0:42:06.080 --> 0:42:09.560
<v Speaker 2>But I despite I have so I've since rolled over

0:42:09.719 --> 0:42:13.400
<v Speaker 2>my E trade account money, but I still maintain my

0:42:13.480 --> 0:42:15.640
<v Speaker 2>robbin hood. So even though I have a financial planner,

0:42:16.000 --> 0:42:18.680
<v Speaker 2>whenever I hear about a stock where I'm interested or whatever,

0:42:18.719 --> 0:42:21.680
<v Speaker 2>I you know, I kind of give myself like a

0:42:21.719 --> 0:42:25.440
<v Speaker 2>few hundred dollars to purchase things when if it seems

0:42:25.480 --> 0:42:27.520
<v Speaker 2>to make sense for me. So, I mean, I'm probably

0:42:27.560 --> 0:42:29.759
<v Speaker 2>not the best persons because I'm not super heavy into

0:42:29.800 --> 0:42:32.320
<v Speaker 2>stock investing, but I do like robinhood at least to start.

0:42:32.640 --> 0:42:35.640
<v Speaker 1>Well. Yeah, and here's what I'll ask Eve is when

0:42:35.640 --> 0:42:37.480
<v Speaker 1>you talk about you want to get into stocks. And

0:42:37.520 --> 0:42:39.280
<v Speaker 1>I was just talking to my husband about this because

0:42:39.280 --> 0:42:41.120
<v Speaker 1>I have to remind him all the time, like, baby,

0:42:41.360 --> 0:42:44.120
<v Speaker 1>we are investing in stocks, we have index funds, we're

0:42:44.120 --> 0:42:48.319
<v Speaker 1>investing in hundreds of stocks. But it doesn't feel like

0:42:48.400 --> 0:42:51.000
<v Speaker 1>there's this idea of like trading stocks and investing that

0:42:51.080 --> 0:42:53.759
<v Speaker 1>kind of intimidates people because they think they need to

0:42:54.440 --> 0:42:57.600
<v Speaker 1>understand company financials and they need to watch CNBC and

0:42:58.120 --> 0:43:01.160
<v Speaker 1>you know, and readers and all this kind of thing

0:43:01.239 --> 0:43:04.560
<v Speaker 1>to invest. I think if you ask yourself first and foremost,

0:43:04.600 --> 0:43:06.319
<v Speaker 1>you know, what are your goals when you're talking about

0:43:06.360 --> 0:43:08.400
<v Speaker 1>you want to start investing in stocks? Is it like

0:43:08.440 --> 0:43:10.799
<v Speaker 1>Tiffany said, you know, you want to just see what

0:43:10.840 --> 0:43:13.000
<v Speaker 1>can happen with a few extra hundred dollars, you know,

0:43:13.000 --> 0:43:14.479
<v Speaker 1>if you invest in a little bit here, a little

0:43:14.480 --> 0:43:16.160
<v Speaker 1>bit there. You just want to like test things out.

0:43:16.440 --> 0:43:18.759
<v Speaker 1>I would say Robinhood's a great tool because it's a

0:43:18.880 --> 0:43:21.479
<v Speaker 1>really easy to use interface. I'm a fan of robin Hood.

0:43:21.640 --> 0:43:24.719
<v Speaker 1>It's commission free, so you don't get charged. A lot

0:43:24.719 --> 0:43:27.800
<v Speaker 1>of places because of Robinhood now offer commission free trades

0:43:27.840 --> 0:43:30.919
<v Speaker 1>because it's just fairly competitive and how can you beat it? Right,

0:43:31.440 --> 0:43:34.200
<v Speaker 1>So that's what makes it an attractive kind of app

0:43:34.200 --> 0:43:37.680
<v Speaker 1>for beginners. It's an easy interface. You transfer money and

0:43:37.680 --> 0:43:40.279
<v Speaker 1>then you can, you know, buy your stocks right then

0:43:40.320 --> 0:43:43.560
<v Speaker 1>and there. I think they even offer not just they

0:43:43.640 --> 0:43:45.600
<v Speaker 1>used to just do individual stocks, but I think now

0:43:45.600 --> 0:43:48.440
<v Speaker 1>you can actually buy mutual funds and ETFs through the

0:43:48.520 --> 0:43:50.840
<v Speaker 1>Robinhood app as well, which makes it even more attractive

0:43:51.719 --> 0:43:54.840
<v Speaker 1>because those types of investments are different than individual stocks.

0:43:55.200 --> 0:43:57.719
<v Speaker 1>With an ETF or a mutual fund, the beauty in

0:43:57.760 --> 0:44:00.440
<v Speaker 1>those is that you get exposure to all kinds of

0:44:00.600 --> 0:44:03.319
<v Speaker 1>stocks all in one little pretty package, and you don't

0:44:03.360 --> 0:44:07.000
<v Speaker 1>need to you know, it's more diversified, there's less you know,

0:44:07.000 --> 0:44:09.120
<v Speaker 1>it's a little bit less risky because all your eggs

0:44:09.160 --> 0:44:13.200
<v Speaker 1>aren't in one basket. Robinhood offers that I too use

0:44:13.280 --> 0:44:15.920
<v Speaker 1>robin Hood just to kind of mess around. But as

0:44:15.920 --> 0:44:17.920
<v Speaker 1>far as my goals, I mean, my goals are to

0:44:18.160 --> 0:44:21.480
<v Speaker 1>retire suon ish like in the next couple of decades,

0:44:21.800 --> 0:44:24.200
<v Speaker 1>which actually doesn't sound that long, like kind of freaks

0:44:24.239 --> 0:44:27.080
<v Speaker 1>me out. What in twenty years, I'll be done, like

0:44:27.120 --> 0:44:30.200
<v Speaker 1>what anyway, So that's my goal. So I've got like

0:44:30.239 --> 0:44:32.360
<v Speaker 1>twenty to thirty years that I'm trying to save towards.

0:44:32.360 --> 0:44:35.840
<v Speaker 1>So i have all of my investments outside of my

0:44:35.920 --> 0:44:40.200
<v Speaker 1>four one K in Vanguard in index funds, and and

0:44:40.360 --> 0:44:43.120
<v Speaker 1>I really I'm a Vanguard girl. I always have been.

0:44:43.560 --> 0:44:47.520
<v Speaker 1>And it's not the most it's not the sexiest interface,

0:44:47.600 --> 0:44:50.600
<v Speaker 1>it's not it's very blah. It kind of feels fuddy duddy.

0:44:50.920 --> 0:44:55.680
<v Speaker 1>But Vanguard is like the og of the everyday investors.

0:44:55.680 --> 0:44:58.040
<v Speaker 1>How I kind of feel like, you know, Jack bow

0:44:58.120 --> 0:45:01.399
<v Speaker 1>Will invented the index fund and everyone hated him back,

0:45:01.640 --> 0:45:03.719
<v Speaker 1>you know, back then. There's a lot of beauty I

0:45:03.760 --> 0:45:07.600
<v Speaker 1>think in the simplicity of the Vanguard experience and for

0:45:07.680 --> 0:45:09.160
<v Speaker 1>my goals, And you need to ask yourself what your

0:45:09.160 --> 0:45:13.120
<v Speaker 1>goals are too for long term investing. I'd choose Vanguard.

0:45:13.320 --> 0:45:15.239
<v Speaker 1>I used to have a target date fund through them,

0:45:15.239 --> 0:45:19.919
<v Speaker 1>but I recently ditched it and I selected index funds

0:45:19.960 --> 0:45:22.160
<v Speaker 1>on my own because I knew a little bit more.

0:45:22.239 --> 0:45:25.120
<v Speaker 1>Target date funds are really great for a beginning investor

0:45:25.200 --> 0:45:27.759
<v Speaker 1>because they take all the guesswork out of it. You

0:45:27.800 --> 0:45:30.399
<v Speaker 1>just decide, okay, what around what year do I want

0:45:30.440 --> 0:45:32.799
<v Speaker 1>to invest, and then you select the target date fund

0:45:32.800 --> 0:45:36.360
<v Speaker 1>that matches that year, and they automatically rebalance your portfolio

0:45:36.480 --> 0:45:38.719
<v Speaker 1>for you. The older you get, it gets more conservative,

0:45:38.800 --> 0:45:41.160
<v Speaker 1>so you're not exposing yourself to so much risk. It's

0:45:41.160 --> 0:45:44.360
<v Speaker 1>all very cool, but they, you know, the cost of

0:45:44.360 --> 0:45:46.799
<v Speaker 1>the target date fund is is super low too, which

0:45:46.800 --> 0:45:50.520
<v Speaker 1>makes it attractive. But once I learned more about which

0:45:50.560 --> 0:45:53.200
<v Speaker 1>index funds to choose, I could save even more and

0:45:53.200 --> 0:45:56.520
<v Speaker 1>get an even lower cost by picking them myself. But

0:45:56.680 --> 0:45:59.400
<v Speaker 1>for the first like I don't know how old was

0:45:59.440 --> 0:46:02.080
<v Speaker 1>I want to open my first four one K twenty four,

0:46:02.239 --> 0:46:04.600
<v Speaker 1>twenty three, so like maybe the first six years I

0:46:04.640 --> 0:46:06.640
<v Speaker 1>was rocking with the target date fund and listen, I

0:46:06.800 --> 0:46:08.960
<v Speaker 1>killed it. I was so lucky to get to invest

0:46:09.040 --> 0:46:11.440
<v Speaker 1>during the last recession when the market was so bad

0:46:11.800 --> 0:46:14.560
<v Speaker 1>because everything was basically on sale, and the money that

0:46:14.600 --> 0:46:16.120
<v Speaker 1>I put in there has just grown and grown and

0:46:16.160 --> 0:46:18.759
<v Speaker 1>grown for the last you know, decade really and a

0:46:18.840 --> 0:46:21.200
<v Speaker 1>target date fund served me very well. But when I

0:46:21.239 --> 0:46:24.640
<v Speaker 1>was ready to do more, Vanguard was pretty easy. So

0:46:25.360 --> 0:46:28.000
<v Speaker 1>I'm that's that's what I use. And you know, E

0:46:28.120 --> 0:46:31.440
<v Speaker 1>Trade also is there. I think e Trade they they

0:46:31.480 --> 0:46:35.560
<v Speaker 1>offer some commission free trading as well. I've heard good

0:46:35.600 --> 0:46:39.799
<v Speaker 1>things about Stash too, Yes, I have to. I think

0:46:39.840 --> 0:46:42.160
<v Speaker 1>what's beautiful is that there's all these options now, so

0:46:42.280 --> 0:46:44.759
<v Speaker 1>you know, do your homework, do your googles, and you know,

0:46:44.840 --> 0:46:47.160
<v Speaker 1>pick the one that that you think is great. But

0:46:47.239 --> 0:46:50.239
<v Speaker 1>pay attention to fees, like what are they gonna if

0:46:50.280 --> 0:46:52.719
<v Speaker 1>you are thinking about trading a lot, what are the

0:46:52.760 --> 0:46:55.120
<v Speaker 1>fees to trade? You really want to find a place

0:46:55.120 --> 0:46:57.560
<v Speaker 1>that's commissioned free because every time, if you're trying to

0:46:57.600 --> 0:47:00.160
<v Speaker 1>trade stocks regularly, that's going to eat into your return

0:47:00.080 --> 0:47:03.879
<v Speaker 1>and you know it's not not good for what you want.

0:47:03.920 --> 0:47:06.440
<v Speaker 1>So you want really low cost. You know, make sure

0:47:06.480 --> 0:47:08.319
<v Speaker 1>that the interface is easy for you to understand, and

0:47:08.360 --> 0:47:10.200
<v Speaker 1>make sure that they offer what it is that you

0:47:10.239 --> 0:47:12.799
<v Speaker 1>want to invest in, because they don't all offer, you know,

0:47:12.840 --> 0:47:15.160
<v Speaker 1>exposure to the right you know, maybe the index fund

0:47:15.160 --> 0:47:17.719
<v Speaker 1>that you want or the company that you're looking to

0:47:17.760 --> 0:47:20.160
<v Speaker 1>invest in, or the ETF or whatever. So you know,

0:47:20.920 --> 0:47:22.400
<v Speaker 1>that's all I can say there.

0:47:23.120 --> 0:47:26.480
<v Speaker 2>So question, I know you you're a financial was she

0:47:26.520 --> 0:47:28.759
<v Speaker 2>here financial planner or financial boxes? Do you still work

0:47:28.760 --> 0:47:30.080
<v Speaker 2>with Helen? We had her on the show before.

0:47:30.239 --> 0:47:32.080
<v Speaker 1>I love Helen. You know, I only got two birthday

0:47:32.080 --> 0:47:35.200
<v Speaker 1>cards on my actual birthday, one from my daddy and

0:47:35.239 --> 0:47:40.160
<v Speaker 1>one from Helen, my financial planner. Love her. Now we haven't.

0:47:40.200 --> 0:47:42.520
<v Speaker 1>We last talked with Helen right before we had the baby.

0:47:42.600 --> 0:47:45.640
<v Speaker 1>So Helen's kind of our life stages of financial planner.

0:47:45.719 --> 0:47:47.759
<v Speaker 1>So we talked to her before we got married, We

0:47:47.800 --> 0:47:49.919
<v Speaker 1>talked to her before we got our house. We talked

0:47:49.960 --> 0:47:51.600
<v Speaker 1>to her before we had the baby to kind of

0:47:51.600 --> 0:47:54.080
<v Speaker 1>like get ducks in a row. But she doesn't manage

0:47:54.080 --> 0:47:56.960
<v Speaker 1>any investments for us, and she's a fee only planner,

0:47:56.960 --> 0:47:59.160
<v Speaker 1>which is why I love Helen. It means it's kind

0:47:59.160 --> 0:48:01.560
<v Speaker 1>of like going for you your annual checkup. I can

0:48:01.680 --> 0:48:03.920
<v Speaker 1>book an appointment with her and I pay a flat fee,

0:48:04.360 --> 0:48:07.000
<v Speaker 1>and you know, and then I and Helen continues to

0:48:07.080 --> 0:48:09.000
<v Speaker 1>kind of check in on us, but there's no pressure

0:48:09.040 --> 0:48:12.319
<v Speaker 1>to continue working with her and all that. But yeah,

0:48:12.360 --> 0:48:13.200
<v Speaker 1>we still work with Helen.

0:48:13.800 --> 0:48:15.960
<v Speaker 2>What I mean, I just asked because my one of

0:48:16.000 --> 0:48:18.880
<v Speaker 2>my mentees was asking they were going to work with

0:48:18.920 --> 0:48:21.680
<v Speaker 2>a planner. And when I tell you the egregiousness of

0:48:21.680 --> 0:48:23.200
<v Speaker 2>what the planner was telling that he was going.

0:48:23.200 --> 0:48:25.440
<v Speaker 1>To charge, I was like a girl.

0:48:25.719 --> 0:48:29.279
<v Speaker 2>First of all, one point five percent of and then

0:48:29.440 --> 0:48:33.680
<v Speaker 2>also five thousand dollars a year. I'm not saying I

0:48:33.719 --> 0:48:36.200
<v Speaker 2>was like, no, no, no, I think it was like

0:48:36.239 --> 0:48:39.319
<v Speaker 2>one of the other, but honestly, all together, it just was.

0:48:40.120 --> 0:48:43.200
<v Speaker 2>It was I was just telling her, like no, that

0:48:43.320 --> 0:48:45.319
<v Speaker 2>I was going to Like, there were three planners that

0:48:45.320 --> 0:48:46.680
<v Speaker 2>I knew that I really liked. I have, you know,

0:48:46.800 --> 0:48:49.160
<v Speaker 2>I have my planner Angelie, who I love. I also

0:48:49.239 --> 0:48:51.359
<v Speaker 2>love Helen. I thought that she was awesome. And then

0:48:51.360 --> 0:48:53.719
<v Speaker 2>there was another woman named Amy Irving that I had

0:48:53.760 --> 0:48:55.719
<v Speaker 2>interviewed when I was looking for a planner. I remember

0:48:55.719 --> 0:48:58.640
<v Speaker 2>I interviewed like twenty planners, right, and so I told

0:48:58.680 --> 0:49:00.280
<v Speaker 2>her that I was going to, you know that should

0:49:00.280 --> 0:49:03.000
<v Speaker 2>always interview more than one, that I was going to

0:49:03.000 --> 0:49:05.520
<v Speaker 2>send her those three women. So I just was wondering.

0:49:05.560 --> 0:49:09.680
<v Speaker 2>I couldn't remember if Helen was, you know, in what

0:49:09.719 --> 0:49:11.480
<v Speaker 2>capacity you could work with her. So that's good to know.

0:49:11.560 --> 0:49:13.000
<v Speaker 2>So I'm going to just send her over because I

0:49:13.040 --> 0:49:17.120
<v Speaker 2>was like, girl, run, you know, like run.

0:49:18.160 --> 0:49:20.960
<v Speaker 1>Yeah. What I love about Helen is that she's really

0:49:21.000 --> 0:49:23.920
<v Speaker 1>been there through every stage of our financial lives.

0:49:23.960 --> 0:49:24.120
<v Speaker 2>You know.

0:49:24.160 --> 0:49:26.600
<v Speaker 1>We started working with her when we were about to

0:49:26.600 --> 0:49:29.120
<v Speaker 1>get married, and then we worked with her closely when

0:49:29.120 --> 0:49:31.640
<v Speaker 1>we were planning to get the house, and then we

0:49:31.760 --> 0:49:34.160
<v Speaker 1>talked to her a lot before we had the baby,

0:49:34.239 --> 0:49:35.840
<v Speaker 1>just trying to get our finance as an order. And

0:49:35.880 --> 0:49:39.280
<v Speaker 1>she's very very transparent. Her company is Capital Benchmark Partners.

0:49:39.800 --> 0:49:42.240
<v Speaker 1>But I think I found her through x Y Planning,

0:49:43.200 --> 0:49:46.440
<v Speaker 1>which is an online network of fee only financial planners.

0:49:46.440 --> 0:49:49.520
<v Speaker 1>So the key really is, you know, find your own Helen.

0:49:50.040 --> 0:49:53.000
<v Speaker 1>I maybe called three different planners and interviewed them before

0:49:53.040 --> 0:49:55.000
<v Speaker 1>I settled on the one that I, you know, thought

0:49:55.040 --> 0:49:57.560
<v Speaker 1>was the best fit for me and I really recommend

0:49:57.640 --> 0:49:58.920
<v Speaker 1>that and I.

0:49:58.960 --> 0:50:02.319
<v Speaker 2>Found so I interviewed, said I'd interviewed Helen. I loved

0:50:02.320 --> 0:50:06.160
<v Speaker 2>her as well. I think Helen. I think Helen might

0:50:06.200 --> 0:50:07.640
<v Speaker 2>have been the one because but I had a lot

0:50:07.680 --> 0:50:10.000
<v Speaker 2>going on. I think Helen might have been the one

0:50:10.120 --> 0:50:12.960
<v Speaker 2>who actually suggested Angelie. Three of the financial planners that

0:50:13.000 --> 0:50:16.440
<v Speaker 2>I actually interviewed suggested Angelie. They're like, uh, because I

0:50:16.480 --> 0:50:19.160
<v Speaker 2>created this whole like Tiffany's money. She it was like

0:50:19.280 --> 0:50:21.200
<v Speaker 2>six pages of all my money she had had against

0:50:21.560 --> 0:50:23.520
<v Speaker 2>and they were like, yeah, girl, you need a special

0:50:23.600 --> 0:50:26.479
<v Speaker 2>kind of planner. I suggest Angelie. And when I said

0:50:26.480 --> 0:50:29.520
<v Speaker 2>three planners suggested her randomly, I was like, that's OK.

0:50:30.600 --> 0:50:33.120
<v Speaker 2>It is a very good sign. And so because you know,

0:50:33.160 --> 0:50:35.279
<v Speaker 2>you guys know I've got like five businesses and then

0:50:36.200 --> 0:50:38.239
<v Speaker 2>you know, my husband works, and it just was I

0:50:38.239 --> 0:50:41.560
<v Speaker 2>have some real estate, so it was more than just

0:50:42.360 --> 0:50:45.480
<v Speaker 2>it wasn't as cut and dry as maybe my life

0:50:45.520 --> 0:50:47.879
<v Speaker 2>like ten years ago. And so as a result of that,

0:50:47.960 --> 0:50:51.120
<v Speaker 2>you know, you know, they suggested Angeline. And honestly, she's

0:50:51.160 --> 0:50:54.279
<v Speaker 2>been wonderfully amazing. Would she when I say she has

0:50:54.560 --> 0:50:58.600
<v Speaker 2>un like just disentangled all of my stuff and has

0:50:58.680 --> 0:51:01.799
<v Speaker 2>created a helpful your plan to our goals? It just

0:51:01.840 --> 0:51:07.040
<v Speaker 2>feels amazing. I used to be really afraid of my finances.

0:51:07.040 --> 0:51:12.480
<v Speaker 2>Despite making good money. I didn't feel secure because I

0:51:12.560 --> 0:51:15.399
<v Speaker 2>knew that's all I was doing well was making good money.

0:51:15.480 --> 0:51:18.279
<v Speaker 2>That I wasn't making you know, I didn't have like

0:51:18.320 --> 0:51:19.920
<v Speaker 2>a plan in place, and how do I get from

0:51:19.920 --> 0:51:22.640
<v Speaker 2>here to here? You know, Like I mean, you know,

0:51:23.080 --> 0:51:25.000
<v Speaker 2>Maddie and I always share how we're so adverse to

0:51:25.120 --> 0:51:27.360
<v Speaker 2>like debt, but in some ways it was like to

0:51:27.480 --> 0:51:29.680
<v Speaker 2>my detriment, I was I just I was hoarding too

0:51:29.760 --> 0:51:31.880
<v Speaker 2>much cash and I knew that, and so yeah, so

0:51:32.040 --> 0:51:34.279
<v Speaker 2>finding a fight the right financial plan for you is

0:51:34.400 --> 0:51:37.319
<v Speaker 2>just if you need one, because not everyone needs a

0:51:37.320 --> 0:51:39.160
<v Speaker 2>financial planner, but if you need one, finding the right

0:51:39.200 --> 0:51:41.759
<v Speaker 2>one for you can really just be a godsend. So

0:51:41.760 --> 0:51:44.160
<v Speaker 2>shout out to our financial planner. So it's good to

0:51:44.239 --> 0:51:47.000
<v Speaker 2>know about Helen, because I'm gonna I'm gonna suggest that

0:51:47.080 --> 0:51:49.560
<v Speaker 2>to my mentiks I told her like Angelie is not cheap,

0:51:50.160 --> 0:51:52.719
<v Speaker 2>but because she typically works with people who are like me

0:51:52.840 --> 0:51:54.560
<v Speaker 2>that have a lot going on, So you don't want

0:51:54.600 --> 0:51:57.320
<v Speaker 2>to you don't want to overdo it unnecessarily with someone

0:51:57.320 --> 0:51:58.359
<v Speaker 2>maybe like Angelie.

0:51:58.880 --> 0:52:01.520
<v Speaker 1>You also really want to ask yourself, you know, what

0:52:01.600 --> 0:52:03.800
<v Speaker 1>are my goals? Do I really need a financial planner

0:52:03.840 --> 0:52:06.520
<v Speaker 1>at this stage in my life? Honestly, I think a

0:52:06.560 --> 0:52:08.959
<v Speaker 1>lot of people, you know, with a little bit of

0:52:09.560 --> 0:52:12.719
<v Speaker 1>research on your own. There's tons of books out there,

0:52:12.760 --> 0:52:15.480
<v Speaker 1>there's YouTube channels you can follow, there's podcasts you can

0:52:15.520 --> 0:52:17.640
<v Speaker 1>listen to, There's tons of articles, you know, that's what

0:52:17.640 --> 0:52:20.160
<v Speaker 1>my whole team at lending Tree is always working on.

0:52:20.480 --> 0:52:24.000
<v Speaker 1>There's a lot of free information that can help you,

0:52:24.000 --> 0:52:28.880
<v Speaker 1>you know, reach some basic milestones, become debt free, you know,

0:52:29.000 --> 0:52:32.719
<v Speaker 1>learn how to tackle your four one k uh, you know,

0:52:32.800 --> 0:52:35.080
<v Speaker 1>learn how to save for a goal. I don't know

0:52:35.120 --> 0:52:37.319
<v Speaker 1>that those are necessarily the types of things that makes

0:52:37.360 --> 0:52:39.680
<v Speaker 1>sense to hire a financial planner to help with unless

0:52:39.680 --> 0:52:42.640
<v Speaker 1>you're truly, truly, you know, just cannot handle it and

0:52:42.719 --> 0:52:45.839
<v Speaker 1>you really need that coach. But even then, I would

0:52:45.880 --> 0:52:48.960
<v Speaker 1>say a financial planner isn't just someone you come to

0:52:49.040 --> 0:52:51.040
<v Speaker 1>and they're entirely hands off, like you should come to

0:52:51.080 --> 0:52:53.600
<v Speaker 1>the table with your own, you know, your own knowledge

0:52:53.600 --> 0:52:57.440
<v Speaker 1>of some aspects of you know, financial success yourself, so

0:52:57.520 --> 0:52:59.520
<v Speaker 1>that you can ask good questions and you can also

0:52:59.600 --> 0:53:02.160
<v Speaker 1>call them out on their bs when you need to.

0:53:02.719 --> 0:53:04.400
<v Speaker 2>Exactly no, totally.

0:53:04.320 --> 0:53:06.200
<v Speaker 1>All right, Well that it's the time of the show again.

0:53:06.320 --> 0:53:07.600
<v Speaker 1>Should we boost or break?

0:53:08.000 --> 0:53:10.279
<v Speaker 2>Yes? She told me that this was their fave, the

0:53:10.400 --> 0:53:11.640
<v Speaker 2>boosty bricky.

0:53:12.880 --> 0:53:14.440
<v Speaker 1>M hm, I mean, should we put it on a

0:53:14.440 --> 0:53:17.800
<v Speaker 1>T shirt. What do you think it can say boost

0:53:17.880 --> 0:53:19.200
<v Speaker 1>on the front and break on the back.

0:53:20.440 --> 0:53:22.960
<v Speaker 2>Yes, I mean we are working.

0:53:24.160 --> 0:53:27.160
<v Speaker 1>I mean we are working on some merch and we

0:53:27.239 --> 0:53:29.640
<v Speaker 1>need we really needed y'all ideas. You should let us

0:53:29.680 --> 0:53:31.160
<v Speaker 1>know if you have any ideas for our swag.

0:53:31.760 --> 0:53:34.200
<v Speaker 2>Yeah. And also are there like, oh, we need we

0:53:34.239 --> 0:53:35.919
<v Speaker 2>definitely need to put hey, hey, hey, like on a bug

0:53:36.040 --> 0:53:36.440
<v Speaker 2>or something.

0:53:36.520 --> 0:53:38.400
<v Speaker 1>Okay, so like what would be your favorite We're not

0:53:38.400 --> 0:53:39.279
<v Speaker 1>gonna get sued, are we?

0:53:40.360 --> 0:53:44.200
<v Speaker 2>No? I mean it's not. It's no, it's not. It's

0:53:44.239 --> 0:53:46.640
<v Speaker 2>not because it's not. I mean, who can't say hey,

0:53:48.280 --> 0:53:50.960
<v Speaker 2>So maybe we should definitely have We're back where black,

0:53:50.960 --> 0:53:51.680
<v Speaker 2>we're brown ambition.

0:53:51.840 --> 0:53:52.920
<v Speaker 1>I love them.

0:53:52.960 --> 0:53:55.320
<v Speaker 2>But if you guys have with there's like some phrases

0:53:55.320 --> 0:53:57.280
<v Speaker 2>that you know, me and manager use all the time.

0:53:58.640 --> 0:54:00.840
<v Speaker 2>Then there's like whenmber that oh.

0:54:00.840 --> 0:54:03.520
<v Speaker 1>Like hashtag team tiffany hashtag team mandra.

0:54:03.680 --> 0:54:05.400
<v Speaker 2>Right or like or no, get you a friend? What

0:54:05.560 --> 0:54:06.719
<v Speaker 2>was that one that was like get you a friend?

0:54:06.719 --> 0:54:10.680
<v Speaker 1>Like man you friend? Yeah, yes, that would be would

0:54:10.760 --> 0:54:13.680
<v Speaker 1>you guys wear that on a T shirt? Okay? Also

0:54:13.760 --> 0:54:16.120
<v Speaker 1>shout out, but shade out to the person who told

0:54:16.160 --> 0:54:18.960
<v Speaker 1>me they'd never met a black Mandy before. Nice to

0:54:19.000 --> 0:54:20.640
<v Speaker 1>meet you. Let me be the first and best slave

0:54:20.760 --> 0:54:22.239
<v Speaker 1>Mandy you've ever met in your life.

0:54:22.280 --> 0:54:24.680
<v Speaker 2>Well, Tiffany's not a super black namy. Fair enough, then

0:54:24.719 --> 0:54:26.960
<v Speaker 2>again I picked it. But anyway, so yeah, if you

0:54:27.200 --> 0:54:30.640
<v Speaker 2>kind of like message us some like you know, brand

0:54:30.680 --> 0:54:32.480
<v Speaker 2>ambition phrases that we use that you would love to

0:54:32.480 --> 0:54:34.480
<v Speaker 2>see on some march, we would love that love it

0:54:34.680 --> 0:54:37.240
<v Speaker 2>to have it. And maybe, oh maybe if we choose

0:54:37.280 --> 0:54:39.000
<v Speaker 2>like you know, maybe we'll do some sort of contents

0:54:39.080 --> 0:54:40.840
<v Speaker 2>or something like that. Like if we if there's like

0:54:41.080 --> 0:54:42.960
<v Speaker 2>a phrase that we really love, I mean, aside from

0:54:42.960 --> 0:54:44.719
<v Speaker 2>the obvious, which we've just said, but a phrase we

0:54:44.800 --> 0:54:46.640
<v Speaker 2>really love, maybe we'll send you some free merch when

0:54:46.680 --> 0:54:47.160
<v Speaker 2>it comes out.

0:54:47.320 --> 0:54:51.720
<v Speaker 1>Yeah. Brandonbisson podcast at gmail dot com. I love a contest.

0:54:52.239 --> 0:54:54.040
<v Speaker 1>All right, you're gonna booster break girlfriend.

0:54:55.040 --> 0:54:57.960
<v Speaker 2>I'm going to bustie. I want to boost d a

0:54:59.040 --> 0:55:03.480
<v Speaker 2>Sandy Smith and Elevate conference. I love Sandy, So Sandy,

0:55:03.520 --> 0:55:04.960
<v Speaker 2>we haven't had her on our podcast, but we keep

0:55:05.000 --> 0:55:08.239
<v Speaker 2>talking about her. So Sandy's just awesome. I mean, she's

0:55:08.239 --> 0:55:11.560
<v Speaker 2>one of the OG's in the brown personal finance space.

0:55:12.600 --> 0:55:15.840
<v Speaker 2>But Sandy started this conference. So you guys kind of

0:55:15.840 --> 0:55:18.279
<v Speaker 2>know the debacle for those of you who have been

0:55:18.280 --> 0:55:20.960
<v Speaker 2>listening for a while with the financial conference that we

0:55:20.960 --> 0:55:25.760
<v Speaker 2>shall not name, but it was not exactly super friendly

0:55:25.840 --> 0:55:31.440
<v Speaker 2>to other so brown LGBTQ, like just you know, it

0:55:31.560 --> 0:55:35.680
<v Speaker 2>just wasn't at least maybe on the on the surface

0:55:35.719 --> 0:55:37.880
<v Speaker 2>it looked to be, but when you dove deeper, not

0:55:38.000 --> 0:55:39.839
<v Speaker 2>so much. So there was a lot of shake up

0:55:39.880 --> 0:55:43.080
<v Speaker 2>with that other conference this year as a result. And

0:55:43.239 --> 0:55:45.600
<v Speaker 2>Sandy last year, I think it was the last year.

0:55:45.680 --> 0:55:48.680
<v Speaker 2>Year before last, she had her first conference called the

0:55:48.680 --> 0:55:53.839
<v Speaker 2>Elevate Conference, which is inclusive, but like deeply inclusive of

0:55:53.960 --> 0:55:57.920
<v Speaker 2>other but it's especially for black and brown folks. And

0:55:58.000 --> 0:56:01.400
<v Speaker 2>so I did a keynote at Elevate last year. We

0:56:01.440 --> 0:56:04.200
<v Speaker 2>actually have an e Facebook group. Whenever I'm looking for

0:56:04.320 --> 0:56:07.440
<v Speaker 2>resources and things for my dream catchers, I go. I

0:56:07.480 --> 0:56:09.560
<v Speaker 2>literally call them the Browns, even though everyone in there

0:56:09.640 --> 0:56:11.560
<v Speaker 2>is not like traditionally browns, because we've got like Asian

0:56:11.560 --> 0:56:14.000
<v Speaker 2>folks in there, and you know, basically it's just a

0:56:14.040 --> 0:56:18.320
<v Speaker 2>safe haven for anyone who is other in personal finance

0:56:18.360 --> 0:56:23.080
<v Speaker 2>and just an amazing resource, just an awesome community. And

0:56:23.120 --> 0:56:26.080
<v Speaker 2>so Sandy had her first in person conference last year.

0:56:26.120 --> 0:56:27.560
<v Speaker 2>She was supposed to have them this year, and I

0:56:27.600 --> 0:56:30.280
<v Speaker 2>remember in the beginning of the year because of COVID,

0:56:30.360 --> 0:56:33.680
<v Speaker 2>she was freaked out because she had already planned the

0:56:33.719 --> 0:56:35.480
<v Speaker 2>conference and now it was supposed to be I think

0:56:35.520 --> 0:56:37.800
<v Speaker 2>in March, and it couldn't happen. It was all this

0:56:37.960 --> 0:56:40.480
<v Speaker 2>money on the line, and it just seemed like it

0:56:40.520 --> 0:56:42.239
<v Speaker 2>wasn't looking good. She wasn't able to get all her

0:56:42.239 --> 0:56:45.799
<v Speaker 2>deposits and things back. But Sandy pivoted. I mean she

0:56:45.920 --> 0:56:50.360
<v Speaker 2>put the p and pivot and took her conference online.

0:56:51.480 --> 0:56:55.520
<v Speaker 2>And after the other conference kind of like imploded, at

0:56:55.600 --> 0:56:59.720
<v Speaker 2>least temporarily, so I'm sure they'll be back imploded. People

0:56:59.719 --> 0:57:03.040
<v Speaker 2>started to look for where are safe spaces for others

0:57:03.440 --> 0:57:06.160
<v Speaker 2>to congregate, and so all of a sudden she got

0:57:06.280 --> 0:57:09.239
<v Speaker 2>sponsorship she wasn't getting before. All the support, I mean,

0:57:09.320 --> 0:57:12.000
<v Speaker 2>us Brown's we've been new, We've been new, Sandy. But

0:57:12.040 --> 0:57:14.800
<v Speaker 2>I just want to congratulate her because the Elevant conference

0:57:14.960 --> 0:57:18.280
<v Speaker 2>just went, was just last week, and it was amazing.

0:57:18.280 --> 0:57:19.680
<v Speaker 2>When I tell you, she did such a good job.

0:57:20.480 --> 0:57:24.280
<v Speaker 2>I helped to do the opening chat, the opening talk

0:57:24.560 --> 0:57:26.400
<v Speaker 2>for the conference of why a conference like this was

0:57:26.440 --> 0:57:29.200
<v Speaker 2>so important, and I just basically said that, you know

0:57:29.240 --> 0:57:31.520
<v Speaker 2>what I said earlier, then there has to be other

0:57:31.760 --> 0:57:35.280
<v Speaker 2>voices because there are different types of people who need

0:57:35.320 --> 0:57:40.640
<v Speaker 2>to see themselves in the resources being presented and everything

0:57:40.680 --> 0:57:43.040
<v Speaker 2>is not black or white, that most of us live

0:57:43.160 --> 0:57:46.480
<v Speaker 2>somewhere in the gray. And just so I'm just so

0:57:46.520 --> 0:57:49.600
<v Speaker 2>proud of Sandy because it's been when I tell you,

0:57:49.640 --> 0:57:51.480
<v Speaker 2>she did so much of it by herself. I was like,

0:57:51.520 --> 0:57:53.840
<v Speaker 2>Sandy who edited these videos? She's like I did. I'm

0:57:53.880 --> 0:57:54.760
<v Speaker 2>like Sandy who did it?

0:57:54.960 --> 0:57:55.280
<v Speaker 1>I did?

0:57:55.520 --> 0:57:57.479
<v Speaker 2>But Sandy who did it? I did? I'm like what

0:57:57.760 --> 0:58:00.840
<v Speaker 2>she is? She is a jack of all trades and

0:58:00.840 --> 0:58:02.760
<v Speaker 2>a master of all. You know, it's usually like a

0:58:02.800 --> 0:58:05.000
<v Speaker 2>master of none. So yeah, that was just my boost.

0:58:05.040 --> 0:58:07.080
<v Speaker 2>I just want to say, Sandy Smith, I am so

0:58:07.200 --> 0:58:09.640
<v Speaker 2>proud of your girl. I cannot wait for the Elevate

0:58:09.680 --> 0:58:14.360
<v Speaker 2>conference next year, which is tentatively scheduled to be in Tulsa, Oklahoma.

0:58:14.440 --> 0:58:17.720
<v Speaker 2>And if you know about Tulsa and Black Wall Street Tulsa,

0:58:17.800 --> 0:58:20.280
<v Speaker 2>I know, so black Wall Street do your googles. That's

0:58:20.400 --> 0:58:22.920
<v Speaker 2>hugely historic to be able to do it there, and

0:58:23.000 --> 0:58:24.440
<v Speaker 2>so yeah, that was it. I just wanted to just

0:58:24.440 --> 0:58:27.160
<v Speaker 2>give her a huge, huge virtual hug and then shout out.

0:58:27.200 --> 0:58:31.080
<v Speaker 2>And she's just doing the amazing work of providing platforms

0:58:31.080 --> 0:58:34.360
<v Speaker 2>for people like me and Mandy and other folks to

0:58:34.480 --> 0:58:36.480
<v Speaker 2>be seen, heard and understood and shared.

0:58:37.000 --> 0:58:39.840
<v Speaker 1>Love Sandy so much, And you know, earlier when you

0:58:39.840 --> 0:58:43.200
<v Speaker 1>were talking about CC, it reminded me of Sandy because

0:58:43.200 --> 0:58:46.160
<v Speaker 1>I feel like they had that same ethos. Yeah, it's

0:58:46.200 --> 0:58:49.920
<v Speaker 1>all about uplifting and supporting women and being transparent and

0:58:50.200 --> 0:58:52.439
<v Speaker 1>love you Sandy, And we will have her on the show,

0:58:52.480 --> 0:58:54.000
<v Speaker 1>I feel like in the next couple of weeks. So

0:58:54.560 --> 0:58:58.240
<v Speaker 1>stay tuned. We finally got her. All right, that's great,

0:58:59.240 --> 0:59:03.200
<v Speaker 1>all right, my turn. So I wasn't sure what to

0:59:03.240 --> 0:59:06.520
<v Speaker 1>do this week. I have so much to do, so

0:59:06.640 --> 0:59:09.280
<v Speaker 1>much to say, but I would really like to make

0:59:09.360 --> 0:59:13.760
<v Speaker 1>this week's break. Sorry to be a little negative, It's

0:59:13.800 --> 0:59:16.800
<v Speaker 1>gonna be good. I am ready to take a break

0:59:17.040 --> 0:59:23.120
<v Speaker 1>from for X trading. Okay, this has been one of

0:59:23.160 --> 0:59:26.800
<v Speaker 1>the most popular questions we have gotten, and I feel

0:59:26.800 --> 0:59:30.240
<v Speaker 1>like anyone in the personal finance education space has probably

0:59:30.280 --> 0:59:33.800
<v Speaker 1>gotten from folks through their email or DMS or whatever.

0:59:33.880 --> 0:59:36.720
<v Speaker 1>It's what is for X trading? Do you have any tips?

0:59:36.880 --> 0:59:40.600
<v Speaker 1>Is it legitimate? And I just think we need to

0:59:40.600 --> 0:59:43.080
<v Speaker 1>talk about it. You know. For X trading is not

0:59:43.200 --> 0:59:47.320
<v Speaker 1>something that I personally participate in, nor does Tiffany. But

0:59:47.720 --> 0:59:49.880
<v Speaker 1>I think since so many of you guys are curious

0:59:49.880 --> 0:59:52.360
<v Speaker 1>about it, and you very well are probably seeing the

0:59:52.400 --> 0:59:55.760
<v Speaker 1>same ads and the same you know YouTubers and the

0:59:55.800 --> 1:00:00.480
<v Speaker 1>same folks on your social media or your uncle, you know,

1:00:00.600 --> 1:00:03.600
<v Speaker 1>texting you like mine, has you know, talking about four

1:00:03.760 --> 1:00:05.760
<v Speaker 1>X trading, and it's time for us to talk about it.

1:00:05.840 --> 1:00:08.080
<v Speaker 2>Yes, I have seen them, yep, in the box, the

1:00:08.120 --> 1:00:10.280
<v Speaker 2>four X bots I've been seen, yes, and the box.

1:00:10.720 --> 1:00:13.760
<v Speaker 1>Okay, so let's break it down. Four X trading has

1:00:13.960 --> 1:00:17.400
<v Speaker 1>I don't know, it's developed this air, this mystique about

1:00:17.440 --> 1:00:20.600
<v Speaker 1>it where people think, well, they're kind of like afraid

1:00:20.600 --> 1:00:22.880
<v Speaker 1>of it, almost like it's a scam or something like

1:00:22.920 --> 1:00:26.760
<v Speaker 1>a get rich quick scam or like a multi level

1:00:26.880 --> 1:00:30.360
<v Speaker 1>marketing company. You know, that's where you recruit someone to

1:00:30.400 --> 1:00:33.120
<v Speaker 1>sell something and then you know they make money by

1:00:33.160 --> 1:00:36.360
<v Speaker 1>recruiting someone or whatever. But here's the truth. For X

1:00:36.400 --> 1:00:40.400
<v Speaker 1>trading is a very legitimate form of trading. It is

1:00:40.720 --> 1:00:45.400
<v Speaker 1>in fact a huge, huge market. I mean, trillions of

1:00:45.440 --> 1:00:49.240
<v Speaker 1>dollars pass daily through the four X trading market. So

1:00:50.080 --> 1:00:52.960
<v Speaker 1>as you guys are probably familiar with. There is, for example,

1:00:53.000 --> 1:00:56.120
<v Speaker 1>the New York Stock Exchange, and that is where you

1:00:56.240 --> 1:01:01.360
<v Speaker 1>trade stocks, you trade shares in companies. So you might

1:01:01.400 --> 1:01:04.040
<v Speaker 1>buy ten shares of Apple today, and your hope is

1:01:04.080 --> 1:01:07.120
<v Speaker 1>that when you sell those ten shares of Apple that

1:01:07.320 --> 1:01:09.760
<v Speaker 1>it was worth more when you sold it than it

1:01:09.840 --> 1:01:12.560
<v Speaker 1>was when you bought it. Right. So, the four X

1:01:12.640 --> 1:01:16.800
<v Speaker 1>market or foreign exchange trading, this is where you're trading

1:01:16.840 --> 1:01:21.800
<v Speaker 1>something different. You're actually trading national currencies, so you're trading

1:01:21.880 --> 1:01:25.600
<v Speaker 1>a US dollar for a British pound, or you're trading

1:01:25.640 --> 1:01:29.480
<v Speaker 1>a British pound for a Japanese yen or whatnot, and

1:01:29.560 --> 1:01:32.520
<v Speaker 1>it's it's very similar. You hope that when you buy

1:01:32.680 --> 1:01:36.400
<v Speaker 1>the other currency, the foreign currency, that when you exchange

1:01:36.400 --> 1:01:40.120
<v Speaker 1>it for a different currency, that that will actually be

1:01:40.320 --> 1:01:43.800
<v Speaker 1>worth more than what you paid for initially. And that

1:01:43.960 --> 1:01:47.480
<v Speaker 1>is how you make money in for X trading. That's

1:01:47.560 --> 1:01:51.480
<v Speaker 1>a super duper simplified. Here's the thing for X trading.

1:01:51.960 --> 1:01:54.880
<v Speaker 1>Sometimes there's just like this huge surgeon interest for it.

1:01:54.920 --> 1:01:57.480
<v Speaker 1>Actually went to Google search trends and I was like,

1:01:57.560 --> 1:01:59.800
<v Speaker 1>let me see have people been searching more for four

1:01:59.880 --> 1:02:02.080
<v Speaker 1>X trading? Let me see what the trends have been, Like,

1:02:02.360 --> 1:02:05.040
<v Speaker 1>guess when there was an uptick in search volume around

1:02:05.080 --> 1:02:09.400
<v Speaker 1>four X trading around April twenty twenty. I wonder why

1:02:09.560 --> 1:02:12.880
<v Speaker 1>it was right when the pandemic truly hit. Most states

1:02:12.880 --> 1:02:15.960
<v Speaker 1>were shut down, if not shut down entirely, shut down partially,

1:02:16.400 --> 1:02:19.360
<v Speaker 1>and millions of people, tens of millions of people were

1:02:19.400 --> 1:02:23.240
<v Speaker 1>furloughed or lost their jobs. Okay, I decided to go

1:02:23.280 --> 1:02:24.880
<v Speaker 1>back a little bit further, and I was like, when

1:02:24.960 --> 1:02:28.240
<v Speaker 1>was the last big surge in interest in four X trading?

1:02:29.160 --> 1:02:29.919
<v Speaker 1>What do y'all think?

1:02:30.200 --> 1:02:32.120
<v Speaker 2>I was gonna say two, that's two, that's.

1:02:32.040 --> 1:02:35.840
<v Speaker 1>Nice, exactly as you say. It was back in two

1:02:35.920 --> 1:02:37.960
<v Speaker 1>thousand and eight, November two thousand and eight, when did

1:02:38.000 --> 1:02:41.400
<v Speaker 1>Lehman crash? Like October September of that year. At any rate,

1:02:42.280 --> 1:02:45.240
<v Speaker 1>interest in four X trading tends to surge, as we've

1:02:45.240 --> 1:02:48.040
<v Speaker 1>seen from the past two economic crises. Two thousand and eight,

1:02:48.080 --> 1:02:50.080
<v Speaker 1>and then you cut to now twenty twenty with what's

1:02:50.080 --> 1:02:52.840
<v Speaker 1>happening with COVID. There's all this interest in for X

1:02:52.880 --> 1:02:55.360
<v Speaker 1>trading because there are a lot of people out there

1:02:55.400 --> 1:02:58.400
<v Speaker 1>who have packaged it into this sort of get rich quick.

1:02:59.360 --> 1:03:01.360
<v Speaker 1>I don't want to call a scheme because, as I've said,

1:03:01.400 --> 1:03:04.360
<v Speaker 1>it's a legitimate form of trading, but it's created that

1:03:04.440 --> 1:03:07.280
<v Speaker 1>people have taken advantage of the interest in this type

1:03:07.280 --> 1:03:10.160
<v Speaker 1>of trading and the fact that you can, you know,

1:03:10.240 --> 1:03:12.320
<v Speaker 1>you can trade twenty four hours a day depending on

1:03:12.360 --> 1:03:15.360
<v Speaker 1>which market you use, because they're all over the world, right,

1:03:15.440 --> 1:03:17.960
<v Speaker 1>you could be trading on London hours or you know

1:03:18.080 --> 1:03:21.760
<v Speaker 1>Japan our Tokyo hours or you know Sydney hours whatever.

1:03:22.720 --> 1:03:25.680
<v Speaker 1>So yes, there's a lot of opportunity to make money,

1:03:25.720 --> 1:03:29.920
<v Speaker 1>but it's a very complex form of trading and you know,

1:03:29.960 --> 1:03:32.640
<v Speaker 1>you really have to get educated and understand it. And

1:03:32.680 --> 1:03:37.520
<v Speaker 1>this is where opportunistic people have taken advantage of the

1:03:37.600 --> 1:03:40.160
<v Speaker 1>mystique about for X trading because they sell courses and

1:03:40.200 --> 1:03:44.080
<v Speaker 1>how to do it, and they sell this information and honestly, yes,

1:03:44.200 --> 1:03:47.160
<v Speaker 1>maybe the information's useful, maybe they do an okay job

1:03:47.200 --> 1:03:49.760
<v Speaker 1>of explaining what for X trading is and how it works.

1:03:50.160 --> 1:03:53.000
<v Speaker 1>But if you think that you can immediately become an

1:03:53.000 --> 1:03:55.600
<v Speaker 1>expert in this form of very risky investing, and it's

1:03:55.680 --> 1:03:57.920
<v Speaker 1>risky because you know, it's as risky as you want

1:03:57.960 --> 1:03:59.680
<v Speaker 1>it to be. It's depending on how much money you're

1:03:59.680 --> 1:04:01.720
<v Speaker 1>willing to put into it. But if you just lost

1:04:01.720 --> 1:04:05.120
<v Speaker 1>your job, or you're financially insecure, you've got debt or whatnot,

1:04:05.360 --> 1:04:07.840
<v Speaker 1>this probably is not the best place for you to

1:04:08.440 --> 1:04:11.960
<v Speaker 1>you know, get your financial you know, get your financial

1:04:12.000 --> 1:04:15.440
<v Speaker 1>safety net put back together. This is my personal opinion.

1:04:16.080 --> 1:04:18.600
<v Speaker 1>I'm sure there very well are people who are you know,

1:04:18.760 --> 1:04:21.520
<v Speaker 1>making tons of money in the for X trading you

1:04:21.560 --> 1:04:24.000
<v Speaker 1>know market and all that, and that's very great for them,

1:04:24.040 --> 1:04:26.800
<v Speaker 1>But I mean you should look at it with like

1:04:26.920 --> 1:04:30.640
<v Speaker 1>several hundred grains of salt and definitely think twice before

1:04:30.680 --> 1:04:32.760
<v Speaker 1>you pay someone money to teach you about four X

1:04:32.800 --> 1:04:35.360
<v Speaker 1>trading and ask yourself, you know, what are you expecting

1:04:35.720 --> 1:04:37.800
<v Speaker 1>to get out of it? Because you know, I could

1:04:37.800 --> 1:04:41.800
<v Speaker 1>offer a course myself in stock trading today, but you're

1:04:41.840 --> 1:04:44.080
<v Speaker 1>your own person, and there's so much more than just

1:04:44.680 --> 1:04:47.160
<v Speaker 1>understanding how it works that goes into it. You also

1:04:47.200 --> 1:04:49.480
<v Speaker 1>need the time, like do you have the time to

1:04:49.560 --> 1:04:52.520
<v Speaker 1>sit at your terminal at your computer all day? You know,

1:04:52.600 --> 1:04:55.480
<v Speaker 1>look at the price graphs and you know, really understand

1:04:55.520 --> 1:04:57.840
<v Speaker 1>what they mean and when the opportunities are to strike

1:04:57.920 --> 1:04:59.760
<v Speaker 1>and all that. I mean, it takes a lot of

1:05:00.040 --> 1:05:02.560
<v Speaker 1>untal bandwidth and I and it makes me sad because

1:05:02.600 --> 1:05:05.360
<v Speaker 1>I think a lot of people who are being drawn

1:05:05.400 --> 1:05:09.160
<v Speaker 1>toward this form of investing, you know, are more vulnerable,

1:05:09.400 --> 1:05:13.360
<v Speaker 1>like you have more to lose. So that's I just

1:05:13.360 --> 1:05:15.640
<v Speaker 1>wanted to, you know, look at the elephant in the room,

1:05:15.680 --> 1:05:19.600
<v Speaker 1>because everyone's talking about it. So let's just recap. Yeah,

1:05:19.760 --> 1:05:23.840
<v Speaker 1>for X trading is legit, it's not probably the best

1:05:24.000 --> 1:05:28.400
<v Speaker 1>way to invest, especially dollars that you are very afraid

1:05:28.400 --> 1:05:30.360
<v Speaker 1>to lose because they're all you have left if you've

1:05:30.400 --> 1:05:33.920
<v Speaker 1>fully been struggling, you know, in this current COVID crisis.

1:05:34.240 --> 1:05:36.520
<v Speaker 1>So just think about it, and if you guys have

1:05:36.600 --> 1:05:40.120
<v Speaker 1>more specific questions, you know, let me know. There's some really,

1:05:40.520 --> 1:05:43.160
<v Speaker 1>you know, there is some good helpful information out there.

1:05:43.160 --> 1:05:45.480
<v Speaker 1>If you want to learn more about four X trading, well,

1:05:45.640 --> 1:05:50.480
<v Speaker 1>we'll share some links to investipedia, Investipedia's explainer, you know,

1:05:50.520 --> 1:05:52.840
<v Speaker 1>in our show notes. They're a trusted source, and just

1:05:52.880 --> 1:05:55.680
<v Speaker 1>you can start to educate yourself, but always do your

1:05:55.680 --> 1:06:00.240
<v Speaker 1>own due diligence and really try to avoid any kind

1:06:00.240 --> 1:06:04.280
<v Speaker 1>of investing strategy or investing you know, hot new trend

1:06:05.080 --> 1:06:08.600
<v Speaker 1>because that usually it usually doesn't bode very well.

1:06:09.440 --> 1:06:11.200
<v Speaker 2>No, I agree, because people ask me all the time

1:06:11.240 --> 1:06:13.520
<v Speaker 2>about forks, and I'm like, well, at its core it's

1:06:13.520 --> 1:06:17.000
<v Speaker 2>not a scam, but many things surrounding, like how to

1:06:17.080 --> 1:06:20.080
<v Speaker 2>learn how to forks trade Unfortunately, there are so many

1:06:20.120 --> 1:06:23.720
<v Speaker 2>scams surrounding. It's just like with anything, and so yeah,

1:06:23.840 --> 1:06:26.960
<v Speaker 2>just being mindful and doing your homework and doing your

1:06:27.080 --> 1:06:30.160
<v Speaker 2>due diligence and that quite honestly, I know it sounds

1:06:30.200 --> 1:06:32.640
<v Speaker 2>like so cliche, but if something seems to be too

1:06:32.680 --> 1:06:35.680
<v Speaker 2>good to be true, especially when it comes to your money,

1:06:36.600 --> 1:06:39.840
<v Speaker 2>it is like not when it comes to cake necessarily,

1:06:40.360 --> 1:06:43.880
<v Speaker 2>or cookies or like you know, your favorite dish, like ooh,

1:06:43.920 --> 1:06:45.440
<v Speaker 2>this looks too good to be true, no eat it.

1:06:45.800 --> 1:06:47.720
<v Speaker 2>But when it comes to money, if it seems too

1:06:47.760 --> 1:06:50.440
<v Speaker 2>good to be true, ninety nine point nine nine nine

1:06:50.480 --> 1:06:53.040
<v Speaker 2>nine nine nine nine percent of the time, it's always

1:06:53.280 --> 1:06:56.760
<v Speaker 2>because if it was that easy, wouldn't we all be rich?

1:06:57.000 --> 1:06:59.640
<v Speaker 2>Like ask yourself that, how is it that this person

1:06:59.680 --> 1:07:02.360
<v Speaker 2>that you're meeting has cracked the code on how to

1:07:02.400 --> 1:07:06.360
<v Speaker 2>become rich in two weeks? And no one knows? I mean, yeah,

1:07:06.480 --> 1:07:09.640
<v Speaker 2>they haven't. They've just cracked the code and taking money.

1:07:09.720 --> 1:07:16.720
<v Speaker 2>So who this has been an episode, Joe, Thanks as usual, Mandra.

1:07:16.920 --> 1:07:23.480
<v Speaker 1>Megasode, Yeah, a megasode megasoe. All right, well we hope

1:07:23.480 --> 1:07:26.000
<v Speaker 1>that y'all you know, have enjoyed this ride with us.

1:07:26.000 --> 1:07:29.040
<v Speaker 1>Thanks for rocking with us. Don't forget to leave us

1:07:29.080 --> 1:07:32.720
<v Speaker 1>a review please for iTunes. And did we even mention

1:07:33.080 --> 1:07:35.880
<v Speaker 1>your reviews? You know? Getting us past one thousand reviews

1:07:35.960 --> 1:07:38.360
<v Speaker 1>was one of the reasons we were selected as the

1:07:38.360 --> 1:07:42.280
<v Speaker 1>top personal finance podcast by Business Insider, which is a

1:07:42.400 --> 1:07:44.520
<v Speaker 1>very surreal moment for me because I used to work

1:07:44.560 --> 1:07:46.760
<v Speaker 1>at Business Insider. In fact, yes, that's where I got

1:07:46.760 --> 1:07:49.320
<v Speaker 1>my start as a personal finance editor and reporter. I

1:07:49.400 --> 1:07:51.960
<v Speaker 1>launched there. I was one of the first I call

1:07:52.000 --> 1:07:55.480
<v Speaker 1>myself a founding editor of their personal finance section. So

1:07:55.520 --> 1:07:57.800
<v Speaker 1>it's crazy only ten years later.

1:07:57.800 --> 1:08:00.960
<v Speaker 2>When you call me, it still says Mandy Business Insider.

1:08:01.000 --> 1:08:01.520
<v Speaker 2>That's what it says.

1:08:01.760 --> 1:08:04.800
<v Speaker 1>Fast. That's when we met. Yes, Tiffany was just the

1:08:04.840 --> 1:08:08.120
<v Speaker 1>baby budget Nesta with an article on her blog about

1:08:08.120 --> 1:08:10.480
<v Speaker 1>a bike that her daddy boxer. Yes, and I was

1:08:10.520 --> 1:08:13.439
<v Speaker 1>looking for a story to write and then here we are, Yes,

1:08:14.000 --> 1:08:16.439
<v Speaker 1>all these years later, Well it's because of you, guys,

1:08:16.439 --> 1:08:19.639
<v Speaker 1>So please, if you haven't left us or comment or sorry,

1:08:19.720 --> 1:08:22.320
<v Speaker 1>left us a review on iTunes, please do so five

1:08:22.360 --> 1:08:24.920
<v Speaker 1>stars would be excellent, and then tell a friend about

1:08:24.920 --> 1:08:27.479
<v Speaker 1>the show. Thank y'all for helping to elevate the show.

1:08:27.479 --> 1:08:29.880
<v Speaker 1>I feel like we have such a bigger audience even

1:08:29.920 --> 1:08:32.200
<v Speaker 1>now than we did pre COVID. And that's, you know,

1:08:32.320 --> 1:08:35.439
<v Speaker 1>just a testament to to really you guys for spreading

1:08:35.439 --> 1:08:37.680
<v Speaker 1>the words. So thank you, yes, thank you, thank you

1:08:37.800 --> 1:08:41.519
<v Speaker 1>so much. And maybe next week I will finally talk

1:08:41.520 --> 1:08:46.040
<v Speaker 1>about my mortgage refinance which just finished finally and how

1:08:46.080 --> 1:08:48.480
<v Speaker 1>I have banned meetings from my life.

1:08:49.080 --> 1:08:50.920
<v Speaker 2>Yeah, let's definitely talk about mortgage. You find it because

1:08:50.920 --> 1:08:54.160
<v Speaker 2>you know they're the Freddie mc and Sally May are

1:08:54.200 --> 1:08:57.680
<v Speaker 2>trying to add a half percentage of Sally May, not

1:08:57.800 --> 1:09:02.400
<v Speaker 2>Sally May, Freddy mac one yes, Fanny May, I said,

1:09:02.479 --> 1:09:04.240
<v Speaker 2>Sally May. Oh my god, it's been a lot, you

1:09:04.280 --> 1:09:04.479
<v Speaker 2>know what.

1:09:04.680 --> 1:09:07.799
<v Speaker 1>Bye, listen all those names. Who comes up with these names? Anyway?

1:09:07.880 --> 1:09:09.400
<v Speaker 1>I mean, come on telling.

1:09:09.240 --> 1:09:12.760
<v Speaker 2>Somebody somebody's southern uncle. Freddie mack and Sally May and

1:09:12.880 --> 1:09:14.439
<v Speaker 2>Fanny Man like, who are these people?

1:09:14.800 --> 1:09:17.880
<v Speaker 1>But yeah, all right, all right, we'll have a good

1:09:17.920 --> 1:09:28.760
<v Speaker 1>restaurant you too. By bye bye,