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Speaker 1: All right, hey, hey, hey, uh, today is like I'm grateful.

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Speaker 1: I want to call it like national, I'm grateful for

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Speaker 1: insurance day who health insurance? Well both. So, so one

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Speaker 1: earlier today, I have an office. You know, I shared

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Speaker 1: an office with my Publicistornas and like for the longest,

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Speaker 1: it's part of our least agreement. We have to have

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Speaker 1: insurance for the office. And I guess the coverage has

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Speaker 1: to be up to two million dollars. And let's just

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Speaker 1: say we've been craftily avoiding our rental office because we

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Speaker 1: were like, ah, two million dollars, it's going to cost

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Speaker 1: us a bit jillion dollars. So finally, like you know,

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Speaker 1: year two of us having this office, they send us,

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Speaker 1: like you know, a very ominous letter that it's clear

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Speaker 1: we can't ignore them anymore. So I made some calls.

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Speaker 1: There was actually an insurance company inside because where we

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Speaker 1: have our office, it's like it's like it's a building

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Speaker 1: with many offices. It's not like a wee work because

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Speaker 1: you have your own individual office, so it's like an

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Speaker 1: office park, I guess kind of. So I reached out

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Speaker 1: to them, and I was holding my breast because I'm

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Speaker 1: sure if they were going to say, like, you know,

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Speaker 1: a tho thousand dollars a month, try like fifty I

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Speaker 1: was like, oh, fifty bucks from more all the time

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Speaker 1: if we were avoiding, you know, insurance because of the coverage.

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Speaker 1: Now realizing you're like, oh and so fifty.

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Speaker 2: Bucks you didn't like get quotes.

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Speaker 1: Yeah, So I was just like, yikes, because all I

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Speaker 1: heard was we need to be covered up to two

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Speaker 1: million dollars. And then I asked him about coverage for

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Speaker 1: the budget nista, because I've been looking for an insurance

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Speaker 1: company to company for something they call errors and admission,

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Speaker 1: so like, since I give financial advice if somebody would

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Speaker 1: like to sue the budget neista, and I was able

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Speaker 1: to get coverage for that too, So I was like, yeah,

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Speaker 1: this is awesome. So sometimes when it comes to insurance,

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Speaker 1: honestly like just asking the question so you know, like

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Speaker 1: because I just was, you know, afraid quite honestly, like

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Speaker 1: I'm not gonna be able to afford it's gonna be

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Speaker 1: too much, and it was really reasonable. And then today

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Speaker 1: like what it's called YES for the for the office

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Speaker 1: is YES liability insurance, and then for my business they

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Speaker 1: call it E and O, which is errors and admissions.

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Speaker 1: I'm not sure certain why they call that. It's just like, hey,

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Speaker 1: if you're somebody who kind of gives advice professionally, this

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Speaker 1: protects you just in case someone says I take your

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Speaker 1: advice and I'm dead, you know, ah okay mm hmmm.

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Speaker 1: So and sometimes it could be hard to get covered

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Speaker 1: if you do something that's not typical. So it took

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Speaker 1: a while because I would call all these different places

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Speaker 1: for like my business insurance, and they would be like, so, wait,

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Speaker 1: what do you do again? So we kept getting no, no, no,

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Speaker 1: And I was in the thinkinon and a lot of

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Speaker 1: the financial bloggers and writers and stuff. We're having a

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Speaker 1: hard time finding insurance because they're like okay, so because

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Speaker 1: you know, to insurance companies like okay, so you do finance,

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Speaker 1: You're like, well, I don't sell anything. I don't I'm

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Speaker 1: not selling like stocks, I'm not selling insurance. And they're

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Speaker 1: like okay, wait, so you're an educator and you're like, well, yes,

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Speaker 1: but I talked about finance. So it was hard because

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Speaker 1: it's it's still a new frontier. So fighting an insurance

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Speaker 1: company who was willing to be like okay, I got it,

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Speaker 1: Yes I can cover you. So that was good. I

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Speaker 1: finally got that today, and then last week I had

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Speaker 1: like you never wake up, was like a crick in

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Speaker 1: your neck and you're like, Oh, it'll be gone in

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Speaker 1: a day or two. A week later, mine was still

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Speaker 1: here and I'm like why. So finally, because I've got

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Speaker 1: that good Superman insurance. I went to the doctor today

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Speaker 1: and she said, yes, I had some spasm and I'm like, well,

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Speaker 1: how does that happen? She's like, you could have just

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Speaker 1: slept wrong or picked up something heavy or whatever. But

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Speaker 1: she was like, if you know, here's some medicine and

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Speaker 1: if it doesn't going away in a week, you can

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Speaker 1: get some I can go for I guess, like, what

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Speaker 1: is that acuuure? No? Like not massage. I can go

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Speaker 1: for what have you know? When we get to a

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Speaker 1: car accident. No, I'm like the worst of words. So

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Speaker 1: you get to a car accident and you're like, I

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Speaker 1: need to learn how to use my leg again, it's called.

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Speaker 2: Oh physical therapy. There you go get me that ski.

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Speaker 1: So she's like, you know, if it doesn't go away,

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Speaker 1: you know, well we'll send you for somebody, you know,

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Speaker 1: basic physical therapy. But yeah, I was just really glad

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Speaker 1: that like I had, because not too long ago, I

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Speaker 1: just would have been like, so let me find my

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Speaker 1: mom who's a nurse, and hopefully she could come up

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Speaker 1: with a makeshift plans. So it was just nice today.

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Speaker 1: It was just like, I'm grateful for insurance today.

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Speaker 2: Oh and this is a great time to mention that

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Speaker 2: because we have a question from a re listener who

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Speaker 2: which is specifically around life insurance. And this is one

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Speaker 2: of those things I never really thought about life insurance

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Speaker 2: because I have renters insurance, I've had health insurance. The

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Speaker 2: life insurance was just that thing that I always got

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Speaker 2: through my employer that cost like, you know, a pay

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Speaker 2: period or whatever. And I, you know, it came up

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Speaker 2: because when I started my most recent job a couple

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Speaker 2: of years ago, they didn't offer life insurance. And our

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Speaker 2: financial planner when we were we hired one just to

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Speaker 2: sort of like get organized for the like our big

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Speaker 2: year last year, and she suggested, actually that I get

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Speaker 2: my own life insurance. She said that she recommended if

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Speaker 2: you're like, even if your employeer offers it, if you

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Speaker 2: tend to move around and careers and stuff, it's good

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Speaker 2: to have your own life insurance because it's not that

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Speaker 2: afort it's not that expensive. And if you switch jobs,

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Speaker 2: like you're not, it's not like you can take your

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Speaker 2: life insurance with you. So you're like, you have to

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Speaker 2: go back in the market to get a new policy.

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Speaker 2: And like if you're getting private life or life insurance

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Speaker 2: on your own, it gets more expensive as you get older.

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Speaker 1: Yeah, No, it definitely does.

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Speaker 2: Yeah. And at the time, I was like, God, where

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Speaker 2: do I even start? And she actually, she's not the

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Speaker 2: kind of you know, some financial planners or advisors, you know,

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Speaker 2: they make money by selling products like life insurance. But

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Speaker 2: she she doesn't do that. But but she did for me.

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Speaker 2: It's actually compare some policies for me and educate me

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Speaker 2: on what like whole versus term life insurance, Like what's

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Speaker 2: the big thing about this and which one is right

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Speaker 2: for me? And I learned a lot. It's really it's

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Speaker 2: not for you life insurance. It's for your family. It's

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Speaker 2: for your spouse, you know. So if I were to

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Speaker 2: pass away my husband, could you know, have a little

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Speaker 2: cushion with my like after losing my income, and you know,

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Speaker 2: because I don't have children, I was just questioning whether

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Speaker 2: or not I really it really was necessary. And we

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Speaker 2: eventually decided that, well, we eventually decided I should get it.

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Speaker 2: I just never did, and then eventually my employer started

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Speaker 2: offering it, and so moral of the stories, I still

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Speaker 2: well the end of the stories, I still don't have it,

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Speaker 2: but I should get some I have. But yeah, well,

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Speaker 2: well it's interesting because like I think you and I

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Speaker 2: are both like pretty transparent in terms of like we

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Speaker 2: are the higher earners in the relationship, and I do

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Speaker 2: feel like that sense of responsibility to where well, I

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Speaker 2: also feel like if I were to pass away, he'd

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Speaker 2: be fine, Like it's not like we live such a

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Speaker 2: lifestyle to where he, you know, wouldn't be able to

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Speaker 2: do it. And so that's why I'm kind of like

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Speaker 2: wishy washy about it. But if we had kids, for sure,

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Speaker 2: I would you know, I'll get a policy eventually, maybe

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Speaker 2: even my own private policy outside of my employer.

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Speaker 1: Honestly, I got mine when I when I was twenty five,

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Speaker 1: because I bought the condo and so I got it.

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Speaker 1: And I don't know if I read this somewhere or whatever,

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Speaker 1: but I remember, I don't know where I got this

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Speaker 1: piece of information from. It was just like, well, of

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Speaker 1: course I wasn't married and of course I didn't have

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Speaker 1: kids then, like I don't have kids now yet, and

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Speaker 1: I just thought, okay, well if I should pass away,

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Speaker 1: my condo was a two hundred and twenty thousand dollars

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Speaker 1: and I think my mortgage was two hundred thous then,

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Speaker 1: and so I said, well, if I should pass away,

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Speaker 1: I want that, you know, like I think I had,

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Speaker 1: like my parents on the policy and like my older

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Speaker 1: my sisters, that they would have enough money to bury

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Speaker 1: me and then enough money to pay off the condo.

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Speaker 1: So I got three hundred thousand dollars like a policy,

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Speaker 1: and I was paying like I don't know, twenty bucks

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Speaker 1: a month. Then I got a term, So I did

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Speaker 1: it specifically just to cover should something happen to me.

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Speaker 1: They don't have to worry about the condo, so you know.

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Speaker 1: So sometimes you know, even if you don't have kids

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Speaker 1: or husband or something like that, if you've got something

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Speaker 1: that you know will be a financial burden, then you know,

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Speaker 1: should you not be here, it might be a good idea.

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Speaker 1: But that's why I got mine. And the only bad

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Speaker 1: thing about it is that I was twenty five, and

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Speaker 1: I think it's a thirty year policy. So I'm like

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Speaker 1: you know it's going to expire because I know the difference.

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Speaker 2: So the the term versus whole life insurance difference is

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Speaker 2: the term insurance ends. So you get it for typically

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Speaker 2: thirty years, and once it's up, it up, and you know,

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Speaker 2: if you want to continue it, you've got to get

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Speaker 2: a new policy. But oopsie, now you're fifty five and

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Speaker 2: it's going to be more expensive. But the idea is,

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Speaker 2: like a few people really need whole insurance, a permanent

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Speaker 2: life insurance which is going to last you for forever.

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Speaker 2: You know, unless you really have like your children are

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Speaker 2: going to live with you for forever, they have a disability,

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Speaker 2: or they rely on you for whatever reason, or you

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Speaker 2: have a spouse the disability, or you know, or like

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Speaker 2: you said, if there's some sort of like you know,

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Speaker 2: you're you're the main redwinner, or there's some asset that

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Speaker 2: you have that would become a burden. But in the

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Speaker 2: people I've talked talked to and when we've written about

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Speaker 2: term versus whole insurance, and for most people, term insurance

189
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Speaker 2: makes sense because if you think about by the time

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Speaker 2: you're fifty five or sixty or whenever you get it,

191
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Speaker 2: you know the main reason for life insurance is your

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Speaker 2: family independence, and if your dependents are out of the house,

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Speaker 2: they're not necessarily depending on your income anymore. At that time,

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Speaker 2: it should be okay if your insurance expires, and ideally

195
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Speaker 2: at that time you'll also have saved and you'll have

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Speaker 2: a nest egg or like some other asset that people

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Speaker 2: could like rely on if you were to pass away.

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Speaker 1: Yeah, insurance is not super fun to talk about, Like.

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Speaker 2: Insurance, do you ever add up? Like did I mean

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Speaker 2: you guys have do you have Renters insurance?

201
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Speaker 1: You rerunt right, Yeah we do. Yeah, I think I

202
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Speaker 1: don't know, it's probably play like nine ten bucks a month.

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Speaker 1: Well Superman had it before I got here, So.

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Speaker 2: Yeah, that's the thing though, just like you said, you know,

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Speaker 2: you got freaked out by the two million dollars, Like

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Speaker 2: the policies aren't necessarily that expensive. Life insurance is a

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Speaker 2: bit more expensive, but like, yeah, my Renters insurance, which

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Speaker 2: you know, I think, I think, I you know, I

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Speaker 2: my bike was run over one year. It is like

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Speaker 2: a six hundred dollars bike, and you know I got

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Speaker 2: that replaced or my Renter's insurance, and I feel like, okay,

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Speaker 2: well this paid for my policy. For the next like

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Speaker 2: three years essentially. And my little brother, you know, his

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Speaker 2: car was broken into. They still was laptop that was

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Speaker 2: covered by renters insurance. And yeah, and I think that's

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Speaker 2: you and simpler to get. It's like, yeah, ten to

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Speaker 2: fifteen dollars a month. You know, a ton of banks

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Speaker 2: offer it, and as far as I can see, like

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Speaker 2: they you know, if you're paying more than like fifteen

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Speaker 2: to twenty dollars a month, it's probably too much. But

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Speaker 2: that's like the range. I think, I think it's worth it.

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Speaker 1: Like that's that that is the secret part of insurance.

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Speaker 1: You're like, oh, it's not nearly as much as you think,

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Speaker 1: you know, for certain types of insurance. And sometimes people's

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Speaker 1: fear can keep them from being covered and it need

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Speaker 1: not or just like you.

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Speaker 2: Want to say, like you're really going to pinch pennies

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Speaker 2: over like twelve dollars a month. You know, you never

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Speaker 2: know what's going to happen. That's the thing. I mean,

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Speaker 2: that's why insurance, you know, they make so much money,

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Speaker 2: because it's really it's not you know, I was complaining

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Speaker 2: because when my financial planner was like pricing out life

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Speaker 2: insurance policies, they were one hundred twenty five dollars a month,

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Speaker 2: and I was like, for me, that's like, you know,

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Speaker 2: a gym membership. And I was like, oh, do I

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Speaker 2: have to What if I never use it? She's like,

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Speaker 2: you should hope you never use it. But the yeah,

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Speaker 2: you know that if you you know, if you needed

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Speaker 2: to use it, then you would have it. You're lucky

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Speaker 2: if you never have to cash in. It's just like

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Speaker 2: this weird mental thing for people. Why spend money on

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Speaker 2: something that you never want to use?

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Speaker 1: Well, exactly, yeah, But I feel like I wish, I wish.

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Speaker 1: Insurance is one of those things that I feel like

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Speaker 1: it's not spoken about enough because when you think of

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Speaker 1: basic financial education, right, everyone talks about budgeting and savings

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Speaker 1: and credit and debt and maybe some basic investment, especially

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Speaker 1: as it relates to retirement. But I hardly ever hear

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Speaker 1: like insurance. I mean not as often as you hear

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Speaker 1: about the other stuff. Like it should be part of

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Speaker 1: the basic conversation on a regular basis, because then it

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Speaker 1: takes away the fear of it of like you know, like, oh, insurance,

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Speaker 1: that's not something I can afford. It's really something that

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Speaker 1: you can't you can't afford not to you know, yeah, if.

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Speaker 2: You have a planner and the first thing that one

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Speaker 2: of the first things they don't they ask you isn't

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Speaker 2: are you insured? You know, are you covered? Then that's

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Speaker 2: not a good financial planner, Like that's their job. I

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Speaker 2: mean it's it's planning, but it's also planning for the worst.

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Speaker 2: And I didn't want to talk about it necessarily. I

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Speaker 2: wasn't like, but my planner is the one who sort

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Speaker 2: of forced me to look at it. Yeah, you're right,

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Speaker 2: how can we make it sexier?

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Speaker 1: I don't know that funerals.

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Speaker 2: Are like ten thousand dollars on average. You don't want

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Speaker 2: to stick to your family with that bill. My uncle

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Speaker 2: passed away a couple of years ago, and God rest

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Speaker 2: his soul, but he had no insurance. I mean, it

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Speaker 2: was very unexpected. It was tragic, and he got sick

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Speaker 2: and then very quickly passed away. It was just like

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Speaker 2: a freak accident. But he had no you know, he

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Speaker 2: he doesn't have dependence. He was kind of on his own.

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Speaker 2: But he also didn't have any any insurance. And so

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Speaker 2: my I know, my my mom and her siblings were

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Speaker 2: you know, cobbling together the money for his funeral. Expenses

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Speaker 2: which were kind of you know, they weren't cheap, and

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Speaker 2: luckily they were like cleaning up his his condo. And

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Speaker 2: in the it was like that scene in Soul Food

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Speaker 2: when they find the find big Mama's money in the

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Speaker 2: closet or wherever it was or no the TV, the.

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Speaker 1: TV, yes, I remember, and it was like blowing, blowing

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Speaker 1: with a fan and he was like, yeah, why he

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Speaker 1: had money stassed away?

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Speaker 2: Yeah, oh yeah, but not like not as dramatic as

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Speaker 2: that in a coffee table. Yeah, he had all his

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Speaker 2: cash and a coffee table. Don't do that. That's not

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Speaker 2: a stament account.

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Speaker 1: That is not right.

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Speaker 2: It will we should do, you know, I love. Yeah,

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Speaker 2: we should talk more about the documents that you need

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Speaker 2: before you die. That's these little like these things that

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Speaker 2: are so icky to icky to talk about. We should

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Speaker 2: do a whole show about that. You guys have like, yeah,

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Speaker 2: like what are your questions about what do you need.

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Speaker 1: For you die? Here? Yeah, for you die we can live. Well,

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Speaker 1: how exactly we can call it that? Like let's talk

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Speaker 1: about that or before I die? Uh So this is

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Speaker 1: just a little aside, like you know, a sidebar from

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Speaker 1: the desk conversation. So I've officially interviewed how many people

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Speaker 1: have ir thre you one to three, four or five, six,

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Speaker 1: six coaches? Remember I told you I was looking for

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Speaker 1: a coach I think last week. Yeah, yeah, to help

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Speaker 1: with productivity. So I've interviewed six coaches. Honestly, it's so

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Speaker 1: crazy how coaching is so different because I've never had

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Speaker 1: one before, so it's it's I had like three more.

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Speaker 1: I told myself anybody who reached out, I was going

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Speaker 1: to interview them just to get a gauge on like

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Speaker 1: what exactly the expectations are since I'd never worked with one,

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Speaker 1: and it's just such a wide range of different types

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Speaker 1: of deliverables. I have one coach that's like four hours,

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Speaker 1: three thousand dollars, we'll get your system stuff and running.

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Speaker 1: And I was like, oh and then, but I would

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Speaker 1: say the average coach is like three months and it's

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Speaker 1: not you know, three thousand dollars for for like for

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Speaker 1: four hours. So I'm just seeing kind of like the range,

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Speaker 1: and I've like there's some coaches that are like strictly

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Speaker 1: like task driven, like I'll do the work, I'll set

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Speaker 1: it up, it's gonna be done. We'll use the system

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Speaker 1: and then we have some coaches that are like, Tiffany,

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Speaker 1: let's explore your why. Let's shift this mindset and that's that,

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Speaker 1: you know. And then there's coaches in the middle who

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Speaker 1: are like, let's explore your why, how'd you get here?

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Speaker 1: And then let's put some tasks to how you change that.

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Speaker 1: So it's been really, honestly, I've been enjoying the process

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Speaker 1: of like figuring out well, one just learning in general

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Speaker 1: how you know different types of coaches are out there.

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Speaker 1: But two, I've been really just like, wow, I think

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Speaker 1: I have a better idea of like the type of

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Speaker 1: individual I'm looking for just from speaking to the coaches.

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Speaker 1: There's like two that really stand out to me. Of

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Speaker 1: the coaches that I interviewed. I'm not gonna say because

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Speaker 1: I'm they might listen. But and plus two, I don't

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Speaker 1: want you guys to be the next couple people that

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Speaker 1: I'm interviewing. I don't be like, oh, I know exactly

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Speaker 1: what Tiffany wants, So what do you.

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Speaker 2: Want for a friend exactly?

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Speaker 1: So next week I'll share that Once once I kind

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Speaker 1: of share like who I kind of chosen why I

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Speaker 1: might not say their name, but at least why I

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Speaker 1: chose them. But yeah, it's just been really interesting and

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Speaker 1: I'm not gonna lie. I wasn't really big on diet

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Speaker 1: yourself a coach, but I really I think it's a

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Speaker 1: great idea if you're stuck from moving from one place

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Speaker 1: to another. And you know, I'm not gonna lie. I

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Speaker 1: thought it was kind of hokey, like I've got an

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Speaker 1: ass coach, you know, But now if you're stuck in

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Speaker 1: the space and you don't necessarily have the skills in

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Speaker 1: your toolbox or the tools in your toolbox to say, okay,

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Speaker 1: I want to go from here to here. And for

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Speaker 1: some reason, I though always start coaching lasted like forever,

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Speaker 1: and now most of it's just like a three month

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Speaker 1: stint where they're like, okay, got it, see your problem,

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Speaker 1: you know what, We're going to use these tools, and

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Speaker 1: now you're off and running. And so I'm excited because, yeah,

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Speaker 1: this is like a.

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Speaker 2: Qualifications how do you use vet a life coach or

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Speaker 2: a productivity coach?

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Speaker 1: So for me, I was looking for, like for people

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Speaker 1: who were going to start to show me solutions in

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Speaker 1: our call, like, so I wasn't necessarily looking like like

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Speaker 1: a lot of people were either referred to me, So

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Speaker 1: that helped significantly. So if they were people who my

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Speaker 1: my friends who are business owners who were dope. So

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Speaker 1: so my top two kind of were people who like

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Speaker 1: friends of mine who are doing really well and are

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Speaker 1: like organized and stuff, and they're like, oh, well this

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Speaker 1: is who got me together. So I was less you know,

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Speaker 1: less concerned about well, here's more qualifications from this school,

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Speaker 1: Like do you go to organization school, you know, so

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Speaker 1: that well they.

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Speaker 2: Well, I've interviewed and they seem to like like this

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Speaker 2: isn't it. This is this is a new concept for

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Speaker 2: like regular people and small business owners. But like the

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Speaker 2: whole business of coaching professional coaching, that's a real thing

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Speaker 2: that like corporations typically use, you know, like you can

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Speaker 2: be a consultant and go do like career and professional

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Speaker 2: development for you know, CEOs and top companies. So it's

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Speaker 2: just interesting. I'm wondering if they're like people like that

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Speaker 2: who have decided to do their own thing on the

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Speaker 2: side or like.

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Speaker 1: So, I think that there are some people who I

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Speaker 1: know who have been certified, because I've had some friends

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Speaker 1: who've been like certified coaches on specific things. I'm not

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Speaker 1: certain that that. I'm sure maybe some of these women.

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Speaker 1: I'm not even gonna lie. I didn't even ask that.

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Speaker 1: I was more so like feeling for vibe and feeling

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Speaker 1: for did you have some real concrete things to share? Like, okay,

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Speaker 1: so too, did you listen like if I was sharing

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Speaker 1: with you? There was definitely some of the coaches that

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Speaker 1: I spoke to, It's like they weren't really hearing me,

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Speaker 1: you know, like they were offering up solutions and I'm like, yeah,

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Speaker 1: I said, I had an admin already, Oh you know what,

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Speaker 1: you should really get an admin. And then I'm like, yeah,

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Speaker 1: so I have an admin and so you know, it

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Speaker 1: was more so that for me and just like I said,

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Speaker 1: offering up some real solutions to make you say, oh,

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Speaker 1: like typically this exploratory the discovery calls usually thirty minutes.

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Speaker 1: You know, that's like that's kind of like the average time.

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Speaker 1: And you know if in that time you kind of

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Speaker 1: already left me with some things that I could that

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Speaker 1: I said, you know what, Wow, you know, I'm gonna

402
00:19:45,600 --> 00:19:47,359
Speaker 1: tried that. That was really good. So it was almost

403
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Speaker 1: like to me, like a test run and yeah, I

404
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Speaker 1: mean I'm excited. I mean I want to see where

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Speaker 1: this goes. And you know, cause then I might find

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Speaker 1: coaches for different things to move me past different parts,

407
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Speaker 1: Like Okay, I've got my systems down now, and you

408
00:20:02,800 --> 00:20:05,399
Speaker 1: know I need a coach for growth. Okay, now I

409
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Speaker 1: pushed past whatever it was that was keeping me from growing.

410
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Speaker 1: So I'm definitely open if this situation goes right to

411
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Speaker 1: look for coaches in other areas when I'm when I

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Speaker 1: get stuck, it's almost like having a therapist because like

413
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Speaker 1: someone like you know, like maybe you're going through a

414
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Speaker 1: traumatic experience and you just need to get it all

415
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Speaker 1: out and talk about it and then you move on,

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Speaker 1: you know, or like having a personal trainer and you

417
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Speaker 1: work out with them for a number of months and

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Speaker 1: then you kind of already have like Okay, well these

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Speaker 1: are my workout kind of like I know the sets

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Speaker 1: and stuff that I need to do, so I'm good.

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Speaker 1: Now I can go to the gym by myself.

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Speaker 2: Yeah. I mean, it's like they say doctors need doctors

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Speaker 2: and therapists need therapists, and like you're in the business

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Speaker 2: of coaching and educating, and like you spend a lot

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Speaker 2: of time thinking about how to help other people, but

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Speaker 2: you also need someone to like the same way people

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Speaker 2: benefit from your advice, you know, yeah, you should also

428
00:20:54,160 --> 00:20:57,159
Speaker 2: like you can also benefit and grow from having an

429
00:20:57,160 --> 00:20:58,840
Speaker 2: outsiders look at your own situation.

430
00:20:59,400 --> 00:21:01,439
Speaker 1: Yeah, have you ever had like a coach before, like

431
00:21:01,760 --> 00:21:02,840
Speaker 1: even a trainer.

432
00:21:03,520 --> 00:21:04,680
Speaker 2: Like a personal trainer?

433
00:21:05,400 --> 00:21:07,280
Speaker 1: Well, just in general, like any any sort of like

434
00:21:07,280 --> 00:21:08,920
Speaker 1: professional coaching that you've paid for.

435
00:21:10,400 --> 00:21:13,439
Speaker 2: No, not outside of doing like seminars or that. Like

436
00:21:13,440 --> 00:21:16,159
Speaker 2: I did a week long professional training. If it's anything

437
00:21:16,200 --> 00:21:18,800
Speaker 2: like that, I mean that was hugely valuable and I

438
00:21:18,840 --> 00:21:22,439
Speaker 2: actually got my employer to cover that. If there's you know,

439
00:21:22,480 --> 00:21:25,399
Speaker 2: I highly recommend it because you know, something specific to

440
00:21:25,480 --> 00:21:28,399
Speaker 2: your whatever you're doing in your career, you know, going

441
00:21:28,440 --> 00:21:30,800
Speaker 2: outside and seeing what resources were out there. You know,

442
00:21:30,840 --> 00:21:34,240
Speaker 2: that was specific to young women and not young women,

443
00:21:34,359 --> 00:21:38,119
Speaker 2: young editors in media, and it was tailored to what

444
00:21:38,160 --> 00:21:40,400
Speaker 2: we needed. And it was a small group. It wasn't

445
00:21:40,440 --> 00:21:42,080
Speaker 2: like a one on one thing, but there was tons

446
00:21:42,119 --> 00:21:44,840
Speaker 2: of one on one you know time throughout the week

447
00:21:45,440 --> 00:21:48,320
Speaker 2: and just being immersed in that experience was amazing. And

448
00:21:48,720 --> 00:21:50,480
Speaker 2: like I said, like I came back and you know,

449
00:21:50,480 --> 00:21:52,320
Speaker 2: we're making sure that all of our workers have the

450
00:21:52,320 --> 00:21:55,560
Speaker 2: opportunity to do stuff like that too. I've never thought

451
00:21:55,560 --> 00:21:58,280
Speaker 2: about doing it. I don't know. We'll see.

452
00:21:58,960 --> 00:21:59,600
Speaker 1: I am right.

453
00:22:00,119 --> 00:22:02,520
Speaker 2: I could definitely use a therapist. We know that. I

454
00:22:02,600 --> 00:22:04,040
Speaker 2: keep saying it. I think I've been saying and this

455
00:22:04,080 --> 00:22:05,360
Speaker 2: is the start of the show. I need to get

456
00:22:05,359 --> 00:22:09,560
Speaker 2: on that therapy thing. I still have, you know, anybody

457
00:22:09,600 --> 00:22:12,879
Speaker 2: in New York City. Let me know, this city is

458
00:22:12,920 --> 00:22:14,960
Speaker 2: like full of therapists and I still can't find one

459
00:22:14,960 --> 00:22:15,359
Speaker 2: that I like.

460
00:22:16,359 --> 00:22:17,960
Speaker 1: Well, I don't know if you're looking for a brown

461
00:22:18,000 --> 00:22:19,080
Speaker 1: therapist or what it is.

462
00:22:18,960 --> 00:22:23,000
Speaker 2: Like brown blue. I don't care, man, female. I just

463
00:22:23,080 --> 00:22:25,760
Speaker 2: anybody I think who doesn't make me feel like I

464
00:22:25,800 --> 00:22:28,520
Speaker 2: know more than they do, because that's my problem. I'm

465
00:22:28,560 --> 00:22:31,720
Speaker 2: like I know it all, and I'm like, yeah, yeah,

466
00:22:31,760 --> 00:22:34,919
Speaker 2: let me tell you what's wrong with me. I just

467
00:22:34,960 --> 00:22:38,919
Speaker 2: need someone who's not going to let me yeah, because

468
00:22:39,119 --> 00:22:41,320
Speaker 2: I will spend like an hour talking and they're like, oh,

469
00:22:41,400 --> 00:22:43,879
Speaker 2: so you you don't have any problems, is what you're saying.

470
00:22:43,920 --> 00:22:45,960
Speaker 2: I'm like, yeah, no, no, no, I'm good. I got

471
00:22:46,000 --> 00:22:46,439
Speaker 2: it covered.

472
00:22:47,280 --> 00:22:51,200
Speaker 1: Okay, thanks, that was great, Thanks, guys.

473
00:22:50,800 --> 00:22:51,640
Speaker 2: Not good?

474
00:22:52,840 --> 00:22:56,160
Speaker 1: Okay. Well, I mean a lot of my friends are

475
00:22:56,640 --> 00:23:00,679
Speaker 1: are like actual therapists, like you know, like licensed, and

476
00:23:00,760 --> 00:23:03,560
Speaker 1: so I'm always asking, you know, I went to therapy,

477
00:23:03,640 --> 00:23:05,280
Speaker 1: Like just like I remember, I was going through a

478
00:23:05,320 --> 00:23:07,920
Speaker 1: hard time in college and so I really needed some

479
00:23:08,000 --> 00:23:12,080
Speaker 1: help getting over this hump. But I'm definitely open to it.

480
00:23:12,080 --> 00:23:14,840
Speaker 1: I was thinking about it recently that my friend reminded me.

481
00:23:14,920 --> 00:23:16,960
Speaker 1: My friend Nick, who's a therapist. She reminded me that

482
00:23:17,280 --> 00:23:21,200
Speaker 1: you don't necessarily need therapy because something is quote unquote wrong.

483
00:23:21,440 --> 00:23:24,119
Speaker 1: Sometimes you just need a place to brain dump, you know.

484
00:23:24,760 --> 00:23:28,240
Speaker 2: M Yeah, that's exactly what I'm looking for. I realized

485
00:23:28,280 --> 00:23:31,760
Speaker 2: that work today, something you know, kind of ridiculous happened,

486
00:23:31,760 --> 00:23:33,439
Speaker 2: and I was like, who do I go to? My

487
00:23:33,920 --> 00:23:37,439
Speaker 2: direct reports who I want to think I have everything

488
00:23:37,480 --> 00:23:39,080
Speaker 2: covered so that they can do their work and not

489
00:23:39,160 --> 00:23:41,919
Speaker 2: be stressed. Or my boss who if I go to

490
00:23:42,080 --> 00:23:44,280
Speaker 2: and about this sign that it's not so big, we'll

491
00:23:44,320 --> 00:23:46,239
Speaker 2: probably think, you know, you should be handling, that's why

492
00:23:46,240 --> 00:23:47,800
Speaker 2: are you bothering me? And I'm like, who do I

493
00:23:47,880 --> 00:23:50,360
Speaker 2: go to? And it would be nice to just have

494
00:23:51,080 --> 00:23:52,760
Speaker 2: you know, or you know, I can go to my husband,

495
00:23:52,760 --> 00:23:54,800
Speaker 2: but like you know, they can't. That's a thing like

496
00:23:54,840 --> 00:23:57,800
Speaker 2: your your significant other whoever you live with, just becomes

497
00:23:57,800 --> 00:24:00,000
Speaker 2: like this receptacle for your shit when you get home

498
00:24:00,640 --> 00:24:03,160
Speaker 2: and they're like WHOA.

499
00:24:03,320 --> 00:24:06,960
Speaker 1: Like okay, I don't know. Like I always tell myself,

500
00:24:06,960 --> 00:24:09,720
Speaker 1: I'm not going to tell Superman this this problem or issue,

501
00:24:09,800 --> 00:24:13,040
Speaker 1: because like you know, he's going to react like a husband,

502
00:24:13,080 --> 00:24:16,080
Speaker 1: and I need somebody who's going to be like you know,

503
00:24:15,840 --> 00:24:20,760
Speaker 1: you know, like what no, no way, and you're like,

504
00:24:20,800 --> 00:24:22,960
Speaker 1: oh my gosh, that's not what I need right now.

505
00:24:24,600 --> 00:24:26,439
Speaker 2: They're gonna be like that person is the worst and

506
00:24:26,480 --> 00:24:28,199
Speaker 2: you're the best, and why are they like they're going

507
00:24:28,280 --> 00:24:30,359
Speaker 2: to need to take your side and you're like I said,

508
00:24:30,400 --> 00:24:32,919
Speaker 2: I really but okay, that sounds nice, but also I

509
00:24:32,960 --> 00:24:33,640
Speaker 2: know I did wrong.

510
00:24:34,480 --> 00:24:46,920
Speaker 1: Yeah, well break yep. I was gonna say, booth break,

511
00:24:47,000 --> 00:24:50,560
Speaker 1: booth break. I have a boost that's related to kind

512
00:24:50,560 --> 00:24:52,040
Speaker 1: of like why I wanted to get help in the

513
00:24:52,040 --> 00:24:55,240
Speaker 1: first place. My boos is systems and I did something

514
00:24:55,320 --> 00:24:59,400
Speaker 1: for the first time last night and it was realized

515
00:24:59,400 --> 00:25:02,359
Speaker 1: today and I could cried with joy. So one of

516
00:25:02,359 --> 00:25:03,879
Speaker 1: the things I was like, oh, I'm always doing all

517
00:25:03,880 --> 00:25:05,480
Speaker 1: these Monday and tasks that I don't have to do.

518
00:25:05,760 --> 00:25:07,800
Speaker 1: So last night I told Superman. I was like, enough,

519
00:25:08,359 --> 00:25:11,360
Speaker 1: we need to order groceries. He was like, who are

520
00:25:11,400 --> 00:25:14,920
Speaker 1: we becoming? Because Superman is so old school? Who orders groceries?

521
00:25:14,960 --> 00:25:18,040
Speaker 1: Tiffany Oh, I was like let's yeah. I was like,

522
00:25:18,119 --> 00:25:21,000
Speaker 1: let's just try it. So I went on like shopwrite

523
00:25:21,040 --> 00:25:25,040
Speaker 1: dot com and well, I made him go on shop

524
00:25:25,119 --> 00:25:26,920
Speaker 1: right dot com and just said, like putting the things

525
00:25:26,920 --> 00:25:28,280
Speaker 1: that you want, and now go through and put in

526
00:25:28,359 --> 00:25:30,280
Speaker 1: the things that I want. But secretly I was like,

527
00:25:30,359 --> 00:25:33,000
Speaker 1: he's doing it because he already knows everything that we need.

528
00:25:33,600 --> 00:25:37,359
Speaker 1: And so he did. And I went through and like,

529
00:25:37,400 --> 00:25:39,959
Speaker 1: you know, kind of just saw if there was anything missing.

530
00:25:40,520 --> 00:25:43,399
Speaker 1: And I mean, with your first order, it's free, but

531
00:25:43,480 --> 00:25:45,359
Speaker 1: normally it would have been I think fifteen dollars. I

532
00:25:45,359 --> 00:25:47,320
Speaker 1: think that's what it said. But then they also had

533
00:25:47,400 --> 00:25:51,600
Speaker 1: like yeah for yeah, for delivery. But I know, since

534
00:25:51,640 --> 00:25:53,920
Speaker 1: now I've come to find out that delivery can range

535
00:25:53,920 --> 00:25:57,359
Speaker 1: anywhere from five dollars, you know, to like fifteen dollars

536
00:25:57,359 --> 00:26:00,399
Speaker 1: an upward, depending on like what what platform you're kind

537
00:26:00,440 --> 00:26:03,280
Speaker 1: of using. But yeah, so first delivery was free, but

538
00:26:03,359 --> 00:26:06,600
Speaker 1: normally it would have been fifteen dollars. And it came

539
00:26:06,720 --> 00:26:09,640
Speaker 1: today because I was able to schedule like a time

540
00:26:09,680 --> 00:26:13,440
Speaker 1: slot and it came today directly to my doorsteps. Honestly,

541
00:26:13,480 --> 00:26:16,680
Speaker 1: I thought I was gonna weep because I just can't

542
00:26:16,680 --> 00:26:17,000
Speaker 1: believe it.

543
00:26:17,040 --> 00:26:19,000
Speaker 2: Feel it came, you were still like, is this really

544
00:26:19,000 --> 00:26:19,560
Speaker 2: gonna happen?

545
00:26:19,840 --> 00:26:21,960
Speaker 1: So I was like, it's exactly what. The produce is

546
00:26:21,960 --> 00:26:24,679
Speaker 1: gonna be soggy. It's like because you don't understand, like

547
00:26:24,880 --> 00:26:27,520
Speaker 1: going to the supermarket. If there's there's a lot of

548
00:26:27,520 --> 00:26:29,399
Speaker 1: things that I'm like, oh I don't love emails and

549
00:26:29,880 --> 00:26:32,240
Speaker 1: oh I don't like working out, but I will do

550
00:26:32,359 --> 00:26:35,120
Speaker 1: all of those all of those ten times before going

551
00:26:35,160 --> 00:26:37,520
Speaker 1: grocery shopping. We literally were like down to like one

552
00:26:37,520 --> 00:26:40,640
Speaker 1: egg and the refrigerator because I hate grocery shopping. But

553
00:26:40,720 --> 00:26:43,280
Speaker 1: like according to like my wh when me and my

554
00:26:43,320 --> 00:26:45,400
Speaker 1: husband got married, we were like we were going through

555
00:26:45,440 --> 00:26:48,800
Speaker 1: like cause I'm not really good at chores and like

556
00:26:48,880 --> 00:26:50,679
Speaker 1: keeping up with them. So he's the clean person, like,

557
00:26:50,680 --> 00:26:52,320
Speaker 1: oh I clean, I mop and this and that. So

558
00:26:52,320 --> 00:26:54,159
Speaker 1: I was like, okay, fine, I'll go grocery shopping and

559
00:26:54,200 --> 00:26:56,680
Speaker 1: you know, I'll make dinner and like I'll do laundry.

560
00:26:57,520 --> 00:27:01,600
Speaker 1: And so I've been neglecting my go grocery shopping like

561
00:27:01,960 --> 00:27:06,320
Speaker 1: you know, responsibility. And this has transformed everything because one

562
00:27:06,920 --> 00:27:10,200
Speaker 1: I saved money because normally when I go grocery shopping,

563
00:27:10,240 --> 00:27:13,359
Speaker 1: I'm like, you know, hungry or picking out things that

564
00:27:13,400 --> 00:27:15,760
Speaker 1: I didn't have on my list but here and normally

565
00:27:15,760 --> 00:27:17,879
Speaker 1: I always forget, like wait, do we have catchup? We do?

566
00:27:17,960 --> 00:27:20,200
Speaker 1: We have five bottles? Do you have? Like there's certain

567
00:27:20,240 --> 00:27:23,480
Speaker 1: things you keep buying over and over like yes, you know, yes,

568
00:27:23,640 --> 00:27:25,320
Speaker 1: and you're like, oh my god, I literally probably have

569
00:27:25,440 --> 00:27:26,600
Speaker 1: like six six.

570
00:27:26,560 --> 00:27:28,199
Speaker 2: For regano, it's always a regan no.

571
00:27:29,600 --> 00:27:32,760
Speaker 1: Or like no. For us, it's it's a tomato sauce,

572
00:27:32,840 --> 00:27:35,320
Speaker 1: not like you know, like for a spaghetti spaghetti sauce.

573
00:27:35,400 --> 00:27:38,320
Speaker 1: We have three cans of those, and so I'm always

574
00:27:38,320 --> 00:27:40,639
Speaker 1: swearing that we don't have enough. So it was just

575
00:27:40,680 --> 00:27:42,720
Speaker 1: great because I can literally get up and look and say, oh,

576
00:27:42,760 --> 00:27:44,720
Speaker 1: we got it. We don't need another one. And so

577
00:27:44,920 --> 00:27:47,840
Speaker 1: I actually, even if we had to pay the fifteen dollars,

578
00:27:48,040 --> 00:27:51,000
Speaker 1: we still saved money because we only got what we

579
00:27:51,040 --> 00:27:54,080
Speaker 1: actually really needed. And he literally brought it to the

580
00:27:54,119 --> 00:27:56,119
Speaker 1: doorstep and I just had to pick it up and

581
00:27:56,160 --> 00:27:57,680
Speaker 1: like put it in the kitchen and put it away,

582
00:27:57,720 --> 00:28:01,080
Speaker 1: which I don't mind. And I'm never stetting foot in

583
00:28:01,240 --> 00:28:03,560
Speaker 1: like other than picking them, like you know, but like

584
00:28:03,720 --> 00:28:06,720
Speaker 1: I'm never I just can't even. I am so gleeful

585
00:28:06,800 --> 00:28:09,680
Speaker 1: because you know, we're having the nor'easter, com this big

586
00:28:09,720 --> 00:28:14,480
Speaker 1: storm that they're predicting tonight slash tomorrow, and now I'm

587
00:28:14,520 --> 00:28:17,280
Speaker 1: like I was like dreading having to fight the crowds

588
00:28:17,320 --> 00:28:19,399
Speaker 1: at the grocery store, and I didn't have to. They

589
00:28:19,440 --> 00:28:21,960
Speaker 1: actually called me this morning the shop write at like eight,

590
00:28:22,000 --> 00:28:24,040
Speaker 1: which I thought was a little early, but you know whatever,

591
00:28:24,280 --> 00:28:26,760
Speaker 1: and they were like, hey, we get like these Tyson

592
00:28:26,920 --> 00:28:30,119
Speaker 1: like chicken breast chicken nuggets for Super Supergirl. And he

593
00:28:30,200 --> 00:28:31,840
Speaker 1: was like, we don't have the regular chicken nuggets. Can

594
00:28:31,880 --> 00:28:34,040
Speaker 1: we get you the ones that dinosaur shaped? And I

595
00:28:34,119 --> 00:28:38,880
Speaker 1: was like yes, yes, yes, and like to something like

596
00:28:38,920 --> 00:28:40,920
Speaker 1: we don't have whole grave break and can we switch

597
00:28:40,920 --> 00:28:42,400
Speaker 1: it out with whole wheat bread? And I was like yeah,

598
00:28:42,480 --> 00:28:43,680
Speaker 1: So like even I.

599
00:28:43,720 --> 00:28:46,800
Speaker 2: That upright had a delivery, that's dope. I always just

600
00:28:46,920 --> 00:28:51,160
Speaker 2: min my limits was like Fresh Direct or Amazon, Yes,

601
00:28:51,600 --> 00:28:54,000
Speaker 2: well never have everything I need, that's my problem. That's

602
00:28:54,040 --> 00:28:56,280
Speaker 2: why I like, I'll fill a cart and then I'm like, oh,

603
00:28:56,280 --> 00:28:58,040
Speaker 2: they don't have these two things, so let's just stupid.

604
00:28:58,040 --> 00:28:58,560
Speaker 2: I'm quitting.

605
00:29:00,080 --> 00:29:02,120
Speaker 1: Well, what do you where do you shop in particular

606
00:29:02,200 --> 00:29:05,040
Speaker 1: Like what if you have like a like a you know,

607
00:29:05,120 --> 00:29:07,840
Speaker 1: like a specific supermarket that you go to, Oh.

608
00:29:07,840 --> 00:29:12,320
Speaker 2: Yeah, Trader Joe's is my favorite. And then for supplementary

609
00:29:12,320 --> 00:29:14,280
Speaker 2: stuff that you can't get a Trader Joe's, I usually

610
00:29:14,280 --> 00:29:17,040
Speaker 2: go to Shop Right or Stopping Shop, but like you know,

611
00:29:17,200 --> 00:29:18,320
Speaker 2: just a regular grocery store.

612
00:29:19,080 --> 00:29:21,320
Speaker 1: So I know, I think I Stopping Shop has actually

613
00:29:21,360 --> 00:29:22,520
Speaker 1: had this for a while. I think it's called like

614
00:29:22,560 --> 00:29:25,960
Speaker 1: Peapod or something. They've had like their delivery service for

615
00:29:26,000 --> 00:29:29,240
Speaker 1: a long time. But I mean I I mix between

616
00:29:29,440 --> 00:29:31,960
Speaker 1: Whole Foods and Shop Right. So shop Right for like

617
00:29:32,000 --> 00:29:33,600
Speaker 1: the bulk of the things, and then Whole Foods for

618
00:29:33,920 --> 00:29:36,600
Speaker 1: specific items that I really want to get, like you know,

619
00:29:36,680 --> 00:29:40,560
Speaker 1: the organic version of or like like they don't they

620
00:29:40,600 --> 00:29:42,480
Speaker 1: just don't have it, you know, Like I don't know

621
00:29:42,520 --> 00:29:45,000
Speaker 1: that my Shop right has a beyond meat burgers, and

622
00:29:45,040 --> 00:29:47,400
Speaker 1: so I get that from Whole Foods and stuff like that.

623
00:29:47,440 --> 00:29:52,120
Speaker 1: But no, but you can use like Instacart, you know,

624
00:29:52,280 --> 00:29:54,360
Speaker 1: like which I haven't tried out yet, but it's like

625
00:29:54,520 --> 00:29:59,240
Speaker 1: Uber for you know, for shopping for grocery shopping, but

626
00:29:59,280 --> 00:30:01,360
Speaker 1: it's a little bit more spenser. So I just said,

627
00:30:01,400 --> 00:30:03,160
Speaker 1: like cause the truth is, which is weird. And maybe

628
00:30:03,240 --> 00:30:05,600
Speaker 1: because I'm might be coming to lead this because I

629
00:30:05,680 --> 00:30:07,240
Speaker 1: don't mind going to Whole Foods. I'll go to Whole

630
00:30:07,240 --> 00:30:09,120
Speaker 1: Foods and I'll get two little bags which cost a

631
00:30:09,120 --> 00:30:11,680
Speaker 1: pajillion dollars, but still, you know, I'll get two little

632
00:30:11,720 --> 00:30:14,800
Speaker 1: bags of like, okay, some organic things that like I

633
00:30:14,840 --> 00:30:16,760
Speaker 1: really like to get from there and like and then

634
00:30:17,080 --> 00:30:19,360
Speaker 1: but I hate going to Schoperate because I think I

635
00:30:19,440 --> 00:30:22,160
Speaker 1: know it Choperate. I'm gonna get like a huge cart

636
00:30:22,200 --> 00:30:25,040
Speaker 1: full and so like that whole lugging it to the

637
00:30:25,080 --> 00:30:26,840
Speaker 1: car and lugging it to the house. That's the part

638
00:30:26,880 --> 00:30:28,760
Speaker 1: that I hate. And so I don't mind going to

639
00:30:28,760 --> 00:30:32,280
Speaker 1: Whole Foods. Yeah, but I'm just systems are like my

640
00:30:32,440 --> 00:30:36,680
Speaker 1: word for twenty eighteen and Brown boost to like systems

641
00:30:36,680 --> 00:30:38,640
Speaker 1: because I already stopped doing laundry and we have a

642
00:30:38,680 --> 00:30:41,960
Speaker 1: laundry service. Now I'm actually like thinking now like hy

643
00:30:42,600 --> 00:30:44,720
Speaker 1: and wonder if I can convince them to come pick

644
00:30:44,760 --> 00:30:47,560
Speaker 1: it up and drop it off because quite honestly, like

645
00:30:47,680 --> 00:30:49,400
Speaker 1: just even dropping it off is like a pain in

646
00:30:49,440 --> 00:30:52,240
Speaker 1: the butt, but I love having it freshly fulled. So

647
00:30:52,280 --> 00:30:55,960
Speaker 1: they even separated by like cause Supergirl, you know she's eleven.

648
00:30:56,040 --> 00:30:57,760
Speaker 1: So they separate like they can tell that there's a

649
00:30:57,800 --> 00:31:01,400
Speaker 1: kid in the house. So there's like Superman's bag, super

650
00:31:01,400 --> 00:31:03,760
Speaker 1: Girl's bag, and then mine, and I'm like, oh my gosh,

651
00:31:03,800 --> 00:31:05,480
Speaker 1: just can't be I mean, it just can't get any

652
00:31:05,520 --> 00:31:07,760
Speaker 1: better than this. So I'm trying to think, like what

653
00:31:07,760 --> 00:31:09,720
Speaker 1: else can I outsource? And he was looking at me

654
00:31:09,760 --> 00:31:11,640
Speaker 1: like Superman is just like, look a like who are

655
00:31:11,640 --> 00:31:14,200
Speaker 1: we I'm like, We're smart, That's what we are.

656
00:31:14,280 --> 00:31:20,000
Speaker 2: We are suing hyper efficient human two point zero. Well, honestly, like,

657
00:31:20,160 --> 00:31:21,880
Speaker 2: how much would you pay someone to go It's spend

658
00:31:21,920 --> 00:31:23,680
Speaker 2: an hour and a half shopping for you. Fifteen bucks

659
00:31:23,680 --> 00:31:25,959
Speaker 2: an hour. It's like minimum wage.

660
00:31:25,680 --> 00:31:28,480
Speaker 1: Exactly, and not just said, but fifteen bucks to like

661
00:31:28,880 --> 00:31:31,680
Speaker 1: not have to like drive there, like take out of it.

662
00:31:31,640 --> 00:31:35,880
Speaker 1: Because usually I'm not gonna lie supermarket shopping from beginning

663
00:31:35,880 --> 00:31:38,720
Speaker 1: to end. It's a two to three hour ordeal for me.

664
00:31:39,640 --> 00:31:40,200
Speaker 2: Oh my god.

665
00:31:40,760 --> 00:31:43,400
Speaker 1: Yes, that's why, because first of all, I hate doing it.

666
00:31:43,600 --> 00:31:45,000
Speaker 1: So I'm gonna call one of my friends, one of

667
00:31:45,040 --> 00:31:47,400
Speaker 1: my best friends, Linda Ordrina, and then I'm gonna get

668
00:31:47,400 --> 00:31:49,280
Speaker 1: distracted and be like wait, okay, wait, we're not supposed

669
00:31:49,320 --> 00:31:51,320
Speaker 1: to get so it always takes way longer than it

670
00:31:51,400 --> 00:31:55,280
Speaker 1: ought two and then I get home and so I

671
00:31:55,320 --> 00:31:57,560
Speaker 1: just hate doing it and I'm just like so happy now.

672
00:31:57,560 --> 00:31:59,000
Speaker 1: It was like, oh my god, this is the life.

673
00:31:59,000 --> 00:32:01,280
Speaker 1: I'm not going back. I'm not sorry. Shop right, I

674
00:32:01,320 --> 00:32:04,400
Speaker 1: shall not step foot inside your doors. And let's absolutely necessary.

675
00:32:04,400 --> 00:32:05,920
Speaker 2: They're still getting your money though, they're.

676
00:32:05,720 --> 00:32:08,360
Speaker 1: Like cool, yeah, exactly, they don't. They're like, that's fine

677
00:32:08,360 --> 00:32:10,000
Speaker 1: as long as you buy from us. But yeah, I'm

678
00:32:10,040 --> 00:32:12,520
Speaker 1: just really happy. Yeah, so what about you? Are you

679
00:32:12,520 --> 00:32:13,320
Speaker 1: boosting a break in?

680
00:32:14,000 --> 00:32:16,480
Speaker 2: I was gonna take up. I need a break y'all. Okay,

681
00:32:16,480 --> 00:32:19,480
Speaker 2: I'm freaking down. So I had this situation. I've never

682
00:32:19,520 --> 00:32:21,440
Speaker 2: had this happen to me before, but I just wanted

683
00:32:21,480 --> 00:32:25,000
Speaker 2: to do a break for people who lie on job applications.

684
00:32:25,440 --> 00:32:31,160
Speaker 2: Oh yeah, so this happened. I think I'm okay to talk.

685
00:32:31,280 --> 00:32:33,920
Speaker 2: I won't say any names. But recently, we've been hiring

686
00:32:33,920 --> 00:32:36,920
Speaker 2: a lot and I had this applicant who I was

687
00:32:37,080 --> 00:32:41,040
Speaker 2: like so excited for. She was smart and nice and

688
00:32:42,120 --> 00:32:45,200
Speaker 2: you know, talented and had great job credentials. Like everything

689
00:32:45,320 --> 00:32:46,960
Speaker 2: was just ding ding ding ding ding. And when I

690
00:32:47,040 --> 00:32:49,000
Speaker 2: find someone I like like that. I'm like, okay, let's

691
00:32:49,000 --> 00:32:51,720
Speaker 2: not let's not delay, let's get in this offer, let's

692
00:32:51,760 --> 00:32:54,640
Speaker 2: move forward. And things are moving along great, and then

693
00:32:54,840 --> 00:32:59,480
Speaker 2: I got a call from HR saying that they weren't

694
00:32:59,480 --> 00:33:04,360
Speaker 2: able to the ory some details of her education that

695
00:33:04,440 --> 00:33:08,040
Speaker 2: she had included on the application and her LinkedIn and

696
00:33:08,080 --> 00:33:11,680
Speaker 2: her resume right and you know, when I'm hiring this

697
00:33:11,680 --> 00:33:15,320
Speaker 2: this particular job didn't even require you know, a high level,

698
00:33:15,400 --> 00:33:17,960
Speaker 2: a high degree or a specific degree in this area

699
00:33:17,960 --> 00:33:20,480
Speaker 2: of study that she had or anything like that. And

700
00:33:20,560 --> 00:33:22,520
Speaker 2: I was like, okay, this is kind of weird. And

701
00:33:22,560 --> 00:33:26,280
Speaker 2: they said, essentially that my company has a zero tolerance

702
00:33:26,360 --> 00:33:32,080
Speaker 2: policy for anyone who is untruthful on their application, the

703
00:33:32,120 --> 00:33:34,840
Speaker 2: actual company application, and the fact that she was untruthful

704
00:33:35,360 --> 00:33:37,920
Speaker 2: on the application, the resume and LinkedIn just couldn't made

705
00:33:37,920 --> 00:33:40,120
Speaker 2: it kind of made it worse. But but they were

706
00:33:40,120 --> 00:33:41,600
Speaker 2: going to give her the benefit of the doubt and

707
00:33:41,640 --> 00:33:45,400
Speaker 2: give her time. But in the end, essentially she could

708
00:33:45,400 --> 00:33:48,720
Speaker 2: not produce the proof that she had earned the state degree.

709
00:33:49,280 --> 00:33:52,560
Speaker 2: And because of that, not only did she waste like

710
00:33:53,120 --> 00:33:56,120
Speaker 2: weeks of my time, weeks of my poor HR team,

711
00:33:56,160 --> 00:33:58,680
Speaker 2: who's you know, not my but the company's hr team

712
00:33:58,680 --> 00:34:01,120
Speaker 2: who's been going back and forth the past several days

713
00:34:01,160 --> 00:34:03,840
Speaker 2: over this. And I mean I had everything set up,

714
00:34:03,880 --> 00:34:06,440
Speaker 2: the computer was set up, I got her the mouse up,

715
00:34:08,400 --> 00:34:11,000
Speaker 2: bio and the headshot ready for the website, you know,

716
00:34:11,160 --> 00:34:14,840
Speaker 2: all ready to go. And yeah, to for it to

717
00:34:15,000 --> 00:34:17,600
Speaker 2: end that way, it was really that was that was.

718
00:34:17,800 --> 00:34:20,239
Speaker 2: It was a struggle day. I was really disappointed, and

719
00:34:21,520 --> 00:34:23,560
Speaker 2: but I just wanted to tell you guys, like, you know,

720
00:34:23,760 --> 00:34:26,640
Speaker 2: don't mess around with these you know, even if you

721
00:34:26,800 --> 00:34:29,239
Speaker 2: feel like, well, you know, I got thirty credits even

722
00:34:29,239 --> 00:34:32,040
Speaker 2: though I needed forty, and I'm I should put down

723
00:34:32,040 --> 00:34:34,720
Speaker 2: that I earned that degree, you know, because I got

724
00:34:34,760 --> 00:34:37,800
Speaker 2: like three fourths of my credits or whatever. No, because

725
00:34:38,280 --> 00:34:41,400
Speaker 2: companies are more sensitive than ever ever to these types

726
00:34:41,440 --> 00:34:45,360
Speaker 2: of lives, because there's been like all these embarrassing, you know,

727
00:34:45,400 --> 00:34:48,399
Speaker 2: these embarrassing stories of you know, high level people being

728
00:34:48,440 --> 00:34:51,160
Speaker 2: found out that they don't have the credentials they say

729
00:34:51,160 --> 00:34:53,160
Speaker 2: they have or they didn't go to that school or whatever.

730
00:34:53,600 --> 00:34:56,960
Speaker 2: So these companies are enforcing these policies. I didn't even

731
00:34:57,040 --> 00:34:59,400
Speaker 2: know that, you know, my company had this policy, but

732
00:34:59,440 --> 00:35:02,600
Speaker 2: now I do. So if you're applying for a job,

733
00:35:02,719 --> 00:35:05,920
Speaker 2: do not embellish, especially if it's for a big corporation

734
00:35:05,960 --> 00:35:08,680
Speaker 2: that's going to do its proper background check, because you

735
00:35:08,719 --> 00:35:11,279
Speaker 2: could lose a job over it, and I, you know,

736
00:35:11,320 --> 00:35:13,799
Speaker 2: I haven't had a chance. I probably won't hear from

737
00:35:13,880 --> 00:35:16,959
Speaker 2: this person personally to talk about it. But who knows.

738
00:35:16,960 --> 00:35:20,239
Speaker 2: I mean, her start date was tomorrow. What if she

739
00:35:20,280 --> 00:35:21,279
Speaker 2: had already quit her job?

740
00:35:22,120 --> 00:35:24,720
Speaker 1: Yeah, oh my goodness.

741
00:35:24,560 --> 00:35:25,040
Speaker 2: I don't know.

742
00:35:25,120 --> 00:35:25,759
Speaker 1: I don't know that.

743
00:35:26,160 --> 00:35:29,520
Speaker 2: So that's my break. I mean, I on the one hand,

744
00:35:29,560 --> 00:35:31,520
Speaker 2: I just as a person, I feel very I feel

745
00:35:31,560 --> 00:35:35,440
Speaker 2: bad because I'm I mean you you you want to

746
00:35:35,480 --> 00:35:36,360
Speaker 2: like shake someone and be.

747
00:35:36,440 --> 00:35:37,920
Speaker 1: Like why did you less this happen?

748
00:35:38,160 --> 00:35:40,120
Speaker 2: But you also want to be like, oh, this is

749
00:35:40,200 --> 00:35:42,560
Speaker 2: the worst for you. I mean, it's worse for her

750
00:35:43,320 --> 00:35:45,640
Speaker 2: because I mean it's got to be embarrassing. It's got

751
00:35:45,680 --> 00:35:49,200
Speaker 2: to be you know, especially if she quit her job,

752
00:35:49,239 --> 00:35:52,520
Speaker 2: and it's just like this awful situation for everybody all around.

753
00:35:52,560 --> 00:35:58,600
Speaker 1: So yeah, oh yeah, it's lesson of the day. Yeah,

754
00:35:58,600 --> 00:36:01,560
Speaker 1: that is lesson other day. And that is a good break,

755
00:36:01,600 --> 00:36:04,480
Speaker 1: because you're right, and like you said, oh like to

756
00:36:04,920 --> 00:36:07,879
Speaker 1: have that on there and then not even really it's

757
00:36:07,920 --> 00:36:11,279
Speaker 1: not like she needed that degree in order to get

758
00:36:11,280 --> 00:36:14,120
Speaker 1: the job. It's like, oh, because I'm assuming either is

759
00:36:14,160 --> 00:36:16,080
Speaker 1: she I mean she had to have quit her job

760
00:36:16,120 --> 00:36:19,319
Speaker 1: you start tomorrow, or she didn't have one, But either way,

761
00:36:19,880 --> 00:36:21,719
Speaker 1: it's a good lesson. Was she young.

762
00:36:23,320 --> 00:36:27,879
Speaker 2: Not? Yeah, relatively yeah, not to not like around my age,

763
00:36:27,880 --> 00:36:29,880
Speaker 2: I would say, around my age. I'm not sure exactly.

764
00:36:30,480 --> 00:36:31,760
Speaker 1: Well, it's a good lesson learned.

765
00:36:32,960 --> 00:36:35,080
Speaker 2: Yeah, And I was trying to think, like, what's my takeaway.

766
00:36:35,120 --> 00:36:36,440
Speaker 2: I don't I mean, I don't know what I could have.

767
00:36:36,719 --> 00:36:39,160
Speaker 2: I'm just grateful for, you know, our HR team that

768
00:36:39,200 --> 00:36:42,400
Speaker 2: they actually did their due diligence. But I'm also thinking,

769
00:36:42,840 --> 00:36:45,520
Speaker 2: you know, like I've been saying, I felt because you know,

770
00:36:45,600 --> 00:36:47,359
Speaker 2: we're a young company, and I don't know if anyone

771
00:36:47,440 --> 00:36:49,239
Speaker 2: listening you're part of a younger company or at least

772
00:36:49,239 --> 00:36:52,839
Speaker 2: you're going through a growth period and everyone's like higher hire.

773
00:36:52,880 --> 00:36:55,120
Speaker 2: We got to fill these roles, and there's pressure to

774
00:36:55,239 --> 00:36:57,600
Speaker 2: feel them quickly. And as a manager, when I've got

775
00:36:57,960 --> 00:36:59,719
Speaker 2: right now I have well now I used to have three,

776
00:36:59,719 --> 00:37:03,040
Speaker 2: now have four open positions to fill and trying to

777
00:37:03,040 --> 00:37:04,840
Speaker 2: do the full time job and do that recruiting, you

778
00:37:04,920 --> 00:37:06,480
Speaker 2: just feel like, man, okay, I just got to make

779
00:37:06,480 --> 00:37:08,640
Speaker 2: a decision. I just got to like tick somebody, and

780
00:37:09,040 --> 00:37:11,560
Speaker 2: you know, I'm the kind of person. In a perfect world,

781
00:37:11,640 --> 00:37:15,040
Speaker 2: I could have five phone conversations and just get to

782
00:37:15,080 --> 00:37:17,560
Speaker 2: know you. You know, let's go on a walk. Let's like,

783
00:37:18,160 --> 00:37:20,640
Speaker 2: I don't know, like take this personality test, like really,

784
00:37:20,800 --> 00:37:23,640
Speaker 2: because it's I want someone to be the right fit, right,

785
00:37:23,719 --> 00:37:26,760
Speaker 2: and I want to take my time. But I felt

786
00:37:26,760 --> 00:37:28,960
Speaker 2: a little bit like pressure to move quicker and quicker

787
00:37:29,000 --> 00:37:31,799
Speaker 2: and quick quicker, and it's making me a little bit

788
00:37:31,840 --> 00:37:34,640
Speaker 2: uncomfortable because I don't want to make the wrong decision.

789
00:37:34,680 --> 00:37:36,839
Speaker 2: And yeah, I know, you know, if it doesn't work out,

790
00:37:36,880 --> 00:37:38,680
Speaker 2: doesn't work out, you can just find someone else. But

791
00:37:38,719 --> 00:37:40,880
Speaker 2: it's just so much more work to replace somebody, and

792
00:37:40,960 --> 00:37:43,840
Speaker 2: I don't want to. I would rather just take the

793
00:37:43,920 --> 00:37:47,399
Speaker 2: time and slow down and pick the right person. I'm

794
00:37:47,440 --> 00:37:48,760
Speaker 2: not saying that I would have eventually.

795
00:37:48,800 --> 00:37:49,200
Speaker 1: You know, I was.

796
00:37:49,200 --> 00:37:51,560
Speaker 2: Excited about this person, really excited. You know, I was

797
00:37:51,560 --> 00:37:55,800
Speaker 2: pushing her, but like it has made me feel Okay,

798
00:37:55,840 --> 00:37:58,960
Speaker 2: I I need to stand up a little be a

799
00:37:59,000 --> 00:38:02,319
Speaker 2: little bit more like stand up for myself, and in

800
00:38:02,360 --> 00:38:03,560
Speaker 2: that I want more time.

801
00:38:04,760 --> 00:38:06,400
Speaker 1: Yeah, like what you need?

802
00:38:07,440 --> 00:38:09,200
Speaker 2: Yeah, And I totally get it. On the one hand,

803
00:38:09,200 --> 00:38:10,560
Speaker 2: you know, I've been there. I've been through the four

804
00:38:10,640 --> 00:38:14,359
Speaker 2: or five the four months hiring process at Yahoo. My god,

805
00:38:14,440 --> 00:38:16,560
Speaker 2: that was torture. I mean, I was just I was

806
00:38:16,600 --> 00:38:18,200
Speaker 2: so pissed off at the end. I was like, I

807
00:38:18,200 --> 00:38:20,920
Speaker 2: don't want to work for this company. I've gone through

808
00:38:20,920 --> 00:38:23,200
Speaker 2: literally seven interviews, you know, and I'm just a reporter,

809
00:38:23,360 --> 00:38:24,480
Speaker 2: like if you can't make but you know, and I

810
00:38:24,520 --> 00:38:27,000
Speaker 2: don't want it to be like that. But I also think,

811
00:38:27,880 --> 00:38:30,319
Speaker 2: you know, you know, a few weeks just to make

812
00:38:30,320 --> 00:38:33,160
Speaker 2: sure that you've you know, covered all your bases and

813
00:38:33,160 --> 00:38:35,520
Speaker 2: you've interviewed other people and you've compared everybody just a

814
00:38:35,520 --> 00:38:37,440
Speaker 2: few weeks, you know, we should be able to do that.

815
00:38:38,080 --> 00:38:42,480
Speaker 2: And it's in some cases it's felt like there's been

816
00:38:43,280 --> 00:38:46,640
Speaker 2: pressure to just hire faster and faster. And I probably

817
00:38:46,680 --> 00:38:49,480
Speaker 2: need to have a grown up, a big girl conversation

818
00:38:49,600 --> 00:38:52,440
Speaker 2: with you know, my manager about that and just like

819
00:38:52,480 --> 00:38:54,239
Speaker 2: take some time to reflect because.

820
00:38:54,160 --> 00:38:58,320
Speaker 1: This, well, well this is this is a good catalyst

821
00:38:58,360 --> 00:38:59,880
Speaker 1: for that. But I'm glad that, like you said that,

822
00:39:00,000 --> 00:39:01,319
Speaker 1: it's a good lesson for you, and it's a good

823
00:39:01,400 --> 00:39:04,319
Speaker 1: lesson for her, you know, and also too as a

824
00:39:04,320 --> 00:39:07,560
Speaker 1: catalyst for to say. This is why when I ask

825
00:39:07,600 --> 00:39:09,560
Speaker 1: for more time, I really like that because that way

826
00:39:09,560 --> 00:39:10,440
Speaker 1: we can avoid.

827
00:39:10,120 --> 00:39:10,680
Speaker 2: Things like this.

828
00:39:18,080 --> 00:39:20,880
Speaker 1: Time for questions. Is that we had a good insurance question.

829
00:39:21,239 --> 00:39:23,600
Speaker 2: Yeah, let's go right to the insurance questions. Let's come

830
00:39:23,760 --> 00:39:27,200
Speaker 2: from listener Brie or Briy. So if you guys want

831
00:39:27,200 --> 00:39:28,560
Speaker 2: to leave a question, by the way, you can go

832
00:39:28,600 --> 00:39:32,440
Speaker 2: to Brown Ambition Podcast dot com, or you can email

833
00:39:32,520 --> 00:39:35,520
Speaker 2: us at Brown Ambition Podcast at gmail dot com and

834
00:39:35,640 --> 00:39:39,520
Speaker 2: drop us a question. This question from Brie or Brie says,

835
00:39:39,640 --> 00:39:41,799
Speaker 2: I'm twenty seven years old and I have one son.

836
00:39:42,920 --> 00:39:46,120
Speaker 2: I'm interested in purchasing life insurance, which I don't have

837
00:39:46,200 --> 00:39:48,840
Speaker 2: the option to receive through my employer. But there's so

838
00:39:49,000 --> 00:39:51,920
Speaker 2: much information out there that every time I begin researching,

839
00:39:51,920 --> 00:39:54,400
Speaker 2: I end up lost. I'm in good health, I have

840
00:39:54,440 --> 00:39:57,919
Speaker 2: no chronic diseases, no smoking or drinking habits, and I'm

841
00:39:58,000 --> 00:40:00,279
Speaker 2: a normal weight. I'm hoping that you, some of you

842
00:40:00,280 --> 00:40:03,279
Speaker 2: could break down the different types and the pros and

843
00:40:03,280 --> 00:40:07,759
Speaker 2: cons and average cost of health insurance or life insurance rather,

844
00:40:08,719 --> 00:40:10,200
Speaker 2: which we kind of touched on at the beginning of

845
00:40:10,200 --> 00:40:10,560
Speaker 2: the show.

846
00:40:10,640 --> 00:40:13,719
Speaker 1: But yeah, Bree to me, it sounds like right, she's

847
00:40:13,760 --> 00:40:18,600
Speaker 1: perfect candidate for fairly low cost term life exactly.

848
00:40:19,320 --> 00:40:22,600
Speaker 2: Yeah, term life insurance is actually a lot because it's only,

849
00:40:22,680 --> 00:40:24,520
Speaker 2: like we said, for a set period of time. It's

850
00:40:24,520 --> 00:40:27,960
Speaker 2: like between five to thirty years. Typically you can decide.

851
00:40:28,600 --> 00:40:31,279
Speaker 2: But at twenty seven, i'd probably, you know, I think

852
00:40:31,320 --> 00:40:34,160
Speaker 2: adviser told probably recommend the thirty year policy.

853
00:40:33,840 --> 00:40:34,319
Speaker 1: If you did.

854
00:40:35,280 --> 00:40:37,080
Speaker 2: She doesn't say how older kid is, but she's only

855
00:40:37,120 --> 00:40:38,920
Speaker 2: twenty seven. I'm assuming it's a young child.

856
00:40:39,200 --> 00:40:41,680
Speaker 1: I thought she said her touch kid was eight. Did

857
00:40:41,719 --> 00:40:43,439
Speaker 1: she say that? I thought I thought you you read

858
00:40:43,520 --> 00:40:43,960
Speaker 1: Maybe not.

859
00:40:44,200 --> 00:40:45,000
Speaker 2: You made that up.

860
00:40:45,400 --> 00:40:49,520
Speaker 1: Yeah, it's been on your head, like for some reason.

861
00:40:49,520 --> 00:40:50,960
Speaker 1: I don't know why. I was like, oh, our kids eight.

862
00:40:50,960 --> 00:40:52,400
Speaker 1: So I was already like, oh, thirty eight, that's a

863
00:40:52,400 --> 00:40:56,000
Speaker 1: good age, you know, because I was adding twenty. So

864
00:40:56,000 --> 00:40:58,040
Speaker 1: so let's just say she had her her child when

865
00:40:58,080 --> 00:41:01,719
Speaker 1: she was twenty five, So that means by so your

866
00:41:01,800 --> 00:41:04,560
Speaker 1: child is too. Let's just say, so you get insurance today,

867
00:41:04,800 --> 00:41:08,920
Speaker 1: that means by thirty two the policy will have you know, expired.

868
00:41:08,960 --> 00:41:12,839
Speaker 1: But that's okay because by thirty two we're hoping that

869
00:41:12,880 --> 00:41:15,600
Speaker 1: your child, for the most part, is you know, able

870
00:41:15,640 --> 00:41:20,359
Speaker 1: to take care of themselves. Financially, well, if the child

871
00:41:20,440 --> 00:41:22,279
Speaker 1: is too Now right, let's just say we're making up

872
00:41:22,280 --> 00:41:25,279
Speaker 1: a number and she gets insurance. Now that means by

873
00:41:25,360 --> 00:41:28,160
Speaker 1: thirty two, the policy will have expired by I've got

874
00:41:28,160 --> 00:41:30,479
Speaker 1: the time your child is thirty two if we're making it.

875
00:41:30,400 --> 00:41:32,520
Speaker 2: So okay, okay, okay, got it.

876
00:41:32,640 --> 00:41:35,719
Speaker 1: Yeah, you know, because I'm just thinking policy. Yeah, exactly,

877
00:41:35,880 --> 00:41:38,040
Speaker 1: you don't want, like, you know, the policy to expire

878
00:41:38,080 --> 00:41:40,400
Speaker 1: when your child is eighteen, because they're still going to

879
00:41:40,440 --> 00:41:44,799
Speaker 1: need financial assistance, assuming you know. So, yeah, I think

880
00:41:44,880 --> 00:41:46,560
Speaker 1: because they're gonna they're gonna come to your house, because

881
00:41:46,560 --> 00:41:49,400
Speaker 1: I remember they when I got my term life policy,

882
00:41:49,440 --> 00:41:51,879
Speaker 1: they came to the house. They did like a mini

883
00:41:51,880 --> 00:41:55,960
Speaker 1: physical nothing like super crazy like you know, and and

884
00:41:56,000 --> 00:41:59,400
Speaker 1: then they use that to say, hey, you're you're young,

885
00:41:59,640 --> 00:42:01,640
Speaker 1: and you're in good health. I don't drink, I don't smoke.

886
00:42:02,560 --> 00:42:06,840
Speaker 1: So that made my policy super low, and I actually

887
00:42:06,880 --> 00:42:10,239
Speaker 1: combined my I got disability at one point, like I

888
00:42:10,320 --> 00:42:12,719
Speaker 1: was like financially doing it, Like I don't even know

889
00:42:12,719 --> 00:42:14,480
Speaker 1: what I was saying, like you know, like I'm getting

890
00:42:14,520 --> 00:42:17,640
Speaker 1: disability age twenty five. Well, I was just like getting

891
00:42:17,640 --> 00:42:20,800
Speaker 1: stuff like to be a responsible dolt, I need disability

892
00:42:20,840 --> 00:42:24,040
Speaker 1: insurance why because you know what it is. I was

893
00:42:24,040 --> 00:42:25,719
Speaker 1: feeling myself because I got the house. But you know,

894
00:42:25,760 --> 00:42:28,040
Speaker 1: I was like, you know, because I'm grown, so grown

895
00:42:28,080 --> 00:42:30,239
Speaker 1: folks need me while no kids, no husband. But I

896
00:42:30,280 --> 00:42:33,520
Speaker 1: was like, I have disability insurance and I still have it,

897
00:42:33,520 --> 00:42:36,640
Speaker 1: and I had and then but it's mixed. I think

898
00:42:36,640 --> 00:42:38,920
Speaker 1: I have it like Northwestern Mutual or something. So I

899
00:42:38,920 --> 00:42:42,480
Speaker 1: paid forty two bucks a month still and that includes

900
00:42:42,520 --> 00:42:46,319
Speaker 1: three hundred thousand dollars for term life, and then it

901
00:42:46,360 --> 00:42:50,239
Speaker 1: also includes disability. I think my disability, like if I

902
00:42:50,280 --> 00:42:52,239
Speaker 1: needed it would be like it's like twelve hundred bucks

903
00:42:52,239 --> 00:42:53,640
Speaker 1: a month or something to that effect. That's what it

904
00:42:53,640 --> 00:42:57,279
Speaker 1: would pay out to me. Yeah. So but you know,

905
00:42:57,400 --> 00:42:59,120
Speaker 1: so just know that too that you might be able

906
00:42:59,160 --> 00:43:04,160
Speaker 1: to combine like payments. If you get multiple like insurances

907
00:43:04,160 --> 00:43:06,200
Speaker 1: from the same company, then you might be able to

908
00:43:06,239 --> 00:43:09,359
Speaker 1: save and combine payments. That's always a good thing. But yeah,

909
00:43:09,400 --> 00:43:11,759
Speaker 1: I would go for the thirty year policy term and

910
00:43:11,840 --> 00:43:14,000
Speaker 1: you probably won't pay a whole heck of a lot.

911
00:43:14,800 --> 00:43:17,319
Speaker 1: My friend who needs to be a financial advisor said,

912
00:43:17,360 --> 00:43:21,319
Speaker 1: the rule of thumb is, well, your child is really young,

913
00:43:21,360 --> 00:43:23,360
Speaker 1: but the let's just say I'm not I don't know

914
00:43:23,400 --> 00:43:26,719
Speaker 1: if you're married or if you're the father of your child,

915
00:43:26,880 --> 00:43:28,920
Speaker 1: is like, you know, helpful financially. But the rule of

916
00:43:28,960 --> 00:43:31,800
Speaker 1: thumb is that your family would be able to survive

917
00:43:32,400 --> 00:43:35,120
Speaker 1: at the same level of like the income that you

918
00:43:35,160 --> 00:43:38,359
Speaker 1: provide for ten years. So let's just say you make

919
00:43:39,400 --> 00:43:42,600
Speaker 1: fifty thousand dollars a year. Fifty thousand times ten is

920
00:43:42,640 --> 00:43:45,560
Speaker 1: five hundred thousand. That the policy should be at least

921
00:43:45,640 --> 00:43:47,200
Speaker 1: that that. That was just like her rule of thumb,

922
00:43:47,280 --> 00:43:48,839
Speaker 1: So just keep that in mind.

923
00:43:49,600 --> 00:43:51,879
Speaker 2: Yeah, and she asked about the cost. So it's really

924
00:43:51,880 --> 00:43:55,640
Speaker 2: hard to say, you know that an average term life

925
00:43:55,640 --> 00:43:57,960
Speaker 2: insurance policy costs because it does depend so much on

926
00:43:58,000 --> 00:44:01,880
Speaker 2: your age, your health, where you live. But you know,

927
00:44:01,920 --> 00:44:04,200
Speaker 2: I magnified money. We did. We actually did a guide

928
00:44:04,239 --> 00:44:07,120
Speaker 2: on this whole versus term life insurance, which I'll put

929
00:44:07,120 --> 00:44:09,520
Speaker 2: in the show notes. And there was an example we

930
00:44:09,560 --> 00:44:11,759
Speaker 2: looked at in that in that policy, for a man

931
00:44:11,800 --> 00:44:14,600
Speaker 2: who's in New York City, he's thirty years old, he

932
00:44:14,640 --> 00:44:17,040
Speaker 2: can get a one million dollar thirty year term life

933
00:44:17,080 --> 00:44:20,399
Speaker 2: insurance policy for as little as nine hundred dollars a year,

934
00:44:20,480 --> 00:44:23,399
Speaker 2: So that's less than one hundred bucks a month, and

935
00:44:23,480 --> 00:44:27,239
Speaker 2: from my experience when my advisor shopped around policies for me,

936
00:44:27,760 --> 00:44:30,720
Speaker 2: mine was actually a little bit higher. I was twenty

937
00:44:30,920 --> 00:44:33,680
Speaker 2: eight or twenty nine when she did my and this

938
00:44:33,719 --> 00:44:38,000
Speaker 2: woman Breeze, she's twenty seven when she did my quote.

939
00:44:38,080 --> 00:44:40,200
Speaker 2: I might have been getting more. I'm not sure, but anyway,

940
00:44:40,239 --> 00:44:42,320
Speaker 2: it was one hundred and like fifteen to one hundred

941
00:44:42,320 --> 00:44:45,600
Speaker 2: and twenty dollars a month for life insurance. And at

942
00:44:45,600 --> 00:44:47,480
Speaker 2: the time, because I didn't have a kid and I

943
00:44:47,480 --> 00:44:49,160
Speaker 2: felt like my husband would be fine, I was like,

944
00:44:49,200 --> 00:44:51,360
Speaker 2: all right, I'm putting this off on the back burner,

945
00:44:51,680 --> 00:44:52,960
Speaker 2: but yeah, I was a little kid. I think that

946
00:44:52,960 --> 00:44:55,759
Speaker 2: that's definitely worth the expense, you know, between one hundred

947
00:44:55,800 --> 00:44:57,680
Speaker 2: to one hundred and fifty dollars a month or however much.

948
00:44:57,719 --> 00:45:01,080
Speaker 2: It is one of the things you consider too when

949
00:45:01,160 --> 00:45:06,000
Speaker 2: you're thinking, like you're confused terms versus whole insurances. Again,

950
00:45:06,040 --> 00:45:08,200
Speaker 2: with whole insurance, it's going to be way more expensive,

951
00:45:09,480 --> 00:45:12,000
Speaker 2: like term insurance could be ten times less than whole insurance.

952
00:45:12,000 --> 00:45:15,960
Speaker 2: Again because it's not permanent like whole insurances. Like the

953
00:45:16,040 --> 00:45:18,279
Speaker 2: main things that whole insurance have going for it is

954
00:45:18,400 --> 00:45:21,000
Speaker 2: if you, like I said, before if you if your

955
00:45:21,000 --> 00:45:23,400
Speaker 2: son has a disability and you feel like he's going

956
00:45:23,440 --> 00:45:24,680
Speaker 2: to be relying on you for the rest of his

957
00:45:24,760 --> 00:45:26,600
Speaker 2: life and you really want to have, you know, that

958
00:45:26,719 --> 00:45:30,480
Speaker 2: coverage for him, that's a really good reason to get

959
00:45:30,480 --> 00:45:35,120
Speaker 2: whole insurance. It's also with with whole insurance. If you

960
00:45:35,280 --> 00:45:39,239
Speaker 2: are younger now getting a whole insurance, it might make

961
00:45:39,520 --> 00:45:42,200
Speaker 2: sense a little bit because the older you get, Like

962
00:45:42,200 --> 00:45:44,560
Speaker 2: if you have term insurance, for example, and it expires,

963
00:45:45,520 --> 00:45:47,120
Speaker 2: you know, if your expires when you're in your fifties

964
00:45:47,160 --> 00:45:49,239
Speaker 2: or sixties, it's going to be really expensive or a

965
00:45:49,239 --> 00:45:51,239
Speaker 2: lot more expensive than it was in your twenties to

966
00:45:51,280 --> 00:45:53,560
Speaker 2: get that insurance. And if you lock in your whole

967
00:45:53,560 --> 00:45:57,279
Speaker 2: insurance right now, you know you'll just be paying that

968
00:45:57,280 --> 00:46:02,280
Speaker 2: that monthly fee forever thee I think that whole insurance

969
00:46:02,360 --> 00:46:05,439
Speaker 2: is like the extreme option. Term insurance is where most

970
00:46:05,440 --> 00:46:10,959
Speaker 2: people fit. Thirty year term it's where most people fit. Yeah,

971
00:46:11,520 --> 00:46:14,200
Speaker 2: oh and places a shop just real quick. So you

972
00:46:14,320 --> 00:46:16,680
Speaker 2: want to compare prices for health insurance or sorry life,

973
00:46:16,719 --> 00:46:20,160
Speaker 2: I keep saying health for life insurance. My favorite site

974
00:46:20,239 --> 00:46:22,440
Speaker 2: to look at it where I was looking with my

975
00:46:22,640 --> 00:46:26,360
Speaker 2: planner was policygenius dot com. Yeah, there's also a site

976
00:46:26,400 --> 00:46:28,919
Speaker 2: Policy Genius one word, and there's also a site called

977
00:46:29,040 --> 00:46:32,960
Speaker 2: term t e r M for the number four sale

978
00:46:33,040 --> 00:46:36,560
Speaker 2: term for Sale where you can also do some shopping

979
00:46:36,600 --> 00:46:39,000
Speaker 2: and all. Do you have a favorite site? Do you

980
00:46:39,000 --> 00:46:42,360
Speaker 2: have a favorite site where you compare life insurance policy tips?

981
00:46:42,640 --> 00:46:45,040
Speaker 1: Honestly, like I was gonna say Policy Genius. That's like

982
00:46:45,040 --> 00:46:47,400
Speaker 1: because what I like about Policy Genius. What I like

983
00:46:47,440 --> 00:46:50,719
Speaker 1: about them is it's not just life insurance, so I

984
00:46:50,719 --> 00:46:53,080
Speaker 1: think they even have like pad insurance on there. They

985
00:46:53,120 --> 00:46:55,680
Speaker 1: definitely have health insurance. That's what I remember. That was

986
00:46:55,719 --> 00:46:57,719
Speaker 1: the site that like I had, like my sister used

987
00:46:57,719 --> 00:47:00,560
Speaker 1: when she was looking for health insurance. So they do

988
00:47:00,680 --> 00:47:05,280
Speaker 1: a number of insurances and not that Policy Genius sells insurance.

989
00:47:05,520 --> 00:47:07,680
Speaker 1: But it's literally like the kayak you know, like Kayak

990
00:47:07,760 --> 00:47:11,480
Speaker 1: is like the vacation kind of like comparison site or whatever.

991
00:47:11,960 --> 00:47:13,959
Speaker 1: It just is just yeah, it's just a great site

992
00:47:14,080 --> 00:47:16,440
Speaker 1: because it's one of the few sites that I've been

993
00:47:16,480 --> 00:47:18,080
Speaker 1: on and I'm not like what's going on? This is

994
00:47:18,120 --> 00:47:21,960
Speaker 1: too confusing. It's like really clear, like oh, I put

995
00:47:22,000 --> 00:47:24,160
Speaker 1: in my name and all of these things about myself

996
00:47:24,160 --> 00:47:26,360
Speaker 1: and then it lines it up. It makes it really

997
00:47:26,400 --> 00:47:29,279
Speaker 1: easy to compare, which that's what I really like about it.

998
00:47:29,480 --> 00:47:31,719
Speaker 2: I love it. Yeah, their site's really clean and I'm

999
00:47:31,760 --> 00:47:34,279
Speaker 2: actually it just went to Policy Genius. Their site looks great.

1000
00:47:34,880 --> 00:47:37,319
Speaker 2: It's a lot more it's a lot smoother looking in

1001
00:47:37,360 --> 00:47:39,319
Speaker 2: term for sales. So maybe policy Genius is the way

1002
00:47:39,320 --> 00:47:42,360
Speaker 2: to go. But compare get a bunch of different options,

1003
00:47:42,400 --> 00:47:45,960
Speaker 2: and it's not that scary and complicated. It's really not.

1004
00:47:46,160 --> 00:47:47,920
Speaker 2: But and it's great that you're thinking about it for

1005
00:47:48,000 --> 00:47:50,640
Speaker 2: your son. So thank you for your question.

1006
00:47:52,040 --> 00:47:54,640
Speaker 1: Exactly. Any other question, I just want to do that one.

1007
00:47:54,880 --> 00:47:56,719
Speaker 2: Now, let's do one more. We have one from last

1008
00:47:56,719 --> 00:47:58,359
Speaker 2: week we didn't get to and this is where I'm

1009
00:47:58,400 --> 00:48:02,040
Speaker 2: listener Dominique. Dominique says, leve you both and the amazing

1010
00:48:02,080 --> 00:48:05,440
Speaker 2: financial advice you provide. I have four credit cards and

1011
00:48:05,520 --> 00:48:10,440
Speaker 2: a total balance of approximately seventy five thousand dollars. Oh my,

1012
00:48:10,440 --> 00:48:13,239
Speaker 2: my credit card debt is about eight thousand dollars, which

1013
00:48:13,239 --> 00:48:17,600
Speaker 2: I'm working to pay down spread over two cards. The

1014
00:48:17,640 --> 00:48:21,000
Speaker 2: other two cards. Oh, with a total balance of seventy

1015
00:48:21,000 --> 00:48:23,080
Speaker 2: five Oh, I think she's saying, Okay, this is not

1016
00:48:23,120 --> 00:48:24,080
Speaker 2: so bad, all right?

1017
00:48:24,440 --> 00:48:26,920
Speaker 1: Yeah, CoA form the beginning go from the beginning.

1018
00:48:27,640 --> 00:48:29,799
Speaker 2: I have four credit cards with a total balance of

1019
00:48:29,840 --> 00:48:33,600
Speaker 2: approximately seventy five thousand dollars. What she means is, on

1020
00:48:33,680 --> 00:48:36,120
Speaker 2: those four credit cards, she has a total available limit

1021
00:48:36,560 --> 00:48:41,160
Speaker 2: of five thousand dollars. Oh, okay, got it. The amount

1022
00:48:41,200 --> 00:48:43,840
Speaker 2: of debt she actually carries is only eight thousand dollars.

1023
00:48:44,040 --> 00:48:44,400
Speaker 1: Okay.

1024
00:48:44,440 --> 00:48:47,640
Speaker 2: So with two cards, these two cards have the eight

1025
00:48:47,640 --> 00:48:50,560
Speaker 2: thousand dollars spread across them. The other two cards have

1026
00:48:50,600 --> 00:48:54,280
Speaker 2: a zero balance. Dominique wants to know is there anything

1027
00:48:54,400 --> 00:48:57,320
Speaker 2: negative about maintaining a credit card at a zero balance

1028
00:48:57,400 --> 00:49:01,000
Speaker 2: for months and not using it at all? Good question.

1029
00:49:01,640 --> 00:49:04,520
Speaker 1: Yes, well no, there's nothing negative, but I will tell

1030
00:49:04,560 --> 00:49:08,960
Speaker 1: you that if they will likely close them because credit

1031
00:49:09,000 --> 00:49:11,480
Speaker 1: card companies are like, what are you doing? Like this

1032
00:49:11,520 --> 00:49:14,279
Speaker 1: happened with one of my cards. I had it and

1033
00:49:14,320 --> 00:49:16,359
Speaker 1: they just sent me a letter like, h we're gonna

1034
00:49:16,360 --> 00:49:18,399
Speaker 1: close this. It's been like a year, you're not using it,

1035
00:49:19,000 --> 00:49:21,480
Speaker 1: so and you don't want them to close it because

1036
00:49:22,000 --> 00:49:24,879
Speaker 1: you right now have like a really great utilization rate

1037
00:49:25,000 --> 00:49:27,680
Speaker 1: because don't have me to do math. But what is

1038
00:49:27,680 --> 00:49:29,799
Speaker 1: she around like ten percent her utilization rate?

1039
00:49:29,800 --> 00:49:31,520
Speaker 2: That's a little one hundred ten. It's a little over

1040
00:49:31,640 --> 00:49:33,920
Speaker 2: ten percent, yeah, ten point ye sing or eleven.

1041
00:49:33,719 --> 00:49:37,080
Speaker 1: Yeah, which is a great utilization rate. So if they close,

1042
00:49:37,160 --> 00:49:40,800
Speaker 1: the utilization is like the difference between what you owe

1043
00:49:40,840 --> 00:49:44,600
Speaker 1: and what you could owe. And so you could owe

1044
00:49:44,640 --> 00:49:46,680
Speaker 1: one hundred percent, you could owe seventy five thousand, but

1045
00:49:46,719 --> 00:49:49,440
Speaker 1: you only owe eighty five hundred or eight thousand. So

1046
00:49:49,480 --> 00:49:52,359
Speaker 1: what that means is you owe way less. You only

1047
00:49:52,360 --> 00:49:54,400
Speaker 1: owe ten percent of what you possibly could owe, and

1048
00:49:55,239 --> 00:49:57,160
Speaker 1: below thirty percent is where you want to be. So

1049
00:49:57,200 --> 00:50:00,080
Speaker 1: you're well below thirty percent. But if they close one

1050
00:50:00,080 --> 00:50:03,759
Speaker 1: of those cards, because utilization is an average of your cards,

1051
00:50:03,880 --> 00:50:05,919
Speaker 1: if they close one of those cards, they're actually gonna

1052
00:50:05,920 --> 00:50:08,840
Speaker 1: affect your average because now, let's just say one of

1053
00:50:08,840 --> 00:50:11,280
Speaker 1: the cars they close is a fifty thousand dollars limit.

1054
00:50:11,600 --> 00:50:16,440
Speaker 1: Now your limits instead of being seventy five thousand dollars,

1055
00:50:16,560 --> 00:50:19,600
Speaker 1: you're down to twenty five thousand, and you owe eight

1056
00:50:19,640 --> 00:50:24,760
Speaker 1: thousand of that twenty five thousand dollars possible total limits.

1057
00:50:24,840 --> 00:50:26,600
Speaker 1: And so now all of a sudden, you're creeping up

1058
00:50:26,840 --> 00:50:31,640
Speaker 1: to Yeah, that's over thirty percent. So oh so look

1059
00:50:31,640 --> 00:50:34,200
Speaker 1: at shit with the math. So I would doater, I'm ready,

1060
00:50:34,800 --> 00:50:37,320
Speaker 1: I would honestly look at my bills and find the

1061
00:50:37,400 --> 00:50:40,400
Speaker 1: cheapest bill, so like my Netflix for Hulu, whatever, I

1062
00:50:40,400 --> 00:50:42,480
Speaker 1: would put one of them on each of the other

1063
00:50:42,560 --> 00:50:45,680
Speaker 1: cards and have it automatically charged and automatically paid off,

1064
00:50:45,719 --> 00:50:48,319
Speaker 1: Like I would like, hey Netflix, charge this one card

1065
00:50:48,360 --> 00:50:51,680
Speaker 1: every month, and hey, bank account, pay this card off

1066
00:50:51,719 --> 00:50:54,560
Speaker 1: every month. And then that way the card is being

1067
00:50:54,640 --> 00:50:56,560
Speaker 1: used without really being used. So it's like eight bucks

1068
00:50:56,640 --> 00:50:59,080
Speaker 1: being charger. I would say, no more than like fifty

1069
00:50:59,080 --> 00:51:02,400
Speaker 1: bucks on each car being charged automatically and paid off automatically,

1070
00:51:02,600 --> 00:51:04,920
Speaker 1: just so you could keep those cards going. And you're

1071
00:51:04,920 --> 00:51:06,680
Speaker 1: actually going to see a boosting your credit score if

1072
00:51:06,680 --> 00:51:08,000
Speaker 1: you do that, because when you pay off a card

1073
00:51:08,040 --> 00:51:10,320
Speaker 1: in full every month, you get a little extra sprinkle

1074
00:51:10,360 --> 00:51:13,719
Speaker 1: of like fairy credit juice on your on your on

1075
00:51:13,760 --> 00:51:16,120
Speaker 1: your on your credit score.

1076
00:51:17,520 --> 00:51:21,799
Speaker 2: That's exactly right, perfect answer, perfect answer. One thing I'll

1077
00:51:21,800 --> 00:51:24,200
Speaker 2: add is that happened to me. I had this. I

1078
00:51:24,239 --> 00:51:27,240
Speaker 2: had this old Bank of America card for like ten years.

1079
00:51:27,280 --> 00:51:29,479
Speaker 2: I was almost holding it like as a souvenir because

1080
00:51:29,520 --> 00:51:32,080
Speaker 2: the interest rate was so low it was like nine percent,

1081
00:51:33,000 --> 00:51:34,239
Speaker 2: but the limit was so it was like one of

1082
00:51:34,320 --> 00:51:36,560
Speaker 2: my first credit cards from college. The limit was like

1083
00:51:36,640 --> 00:51:39,560
Speaker 2: I don't know, twelve hundred dollars or something really small,

1084
00:51:40,480 --> 00:51:42,600
Speaker 2: and they just kept warning me. They did send me

1085
00:51:42,640 --> 00:51:45,040
Speaker 2: warning letters and like warning emails, Hey, we're going to

1086
00:51:45,080 --> 00:51:47,520
Speaker 2: close this soon if you don't use it, blah blah blah,

1087
00:51:47,719 --> 00:51:49,480
Speaker 2: and I just kept forgetting about it, and they did

1088
00:51:49,480 --> 00:51:52,000
Speaker 2: close it, and I guess because the limit was so small,

1089
00:51:52,880 --> 00:51:56,200
Speaker 2: it didn't really impact my credit. But exactly like if

1090
00:51:56,239 --> 00:51:58,400
Speaker 2: you were like this, if you're like Dominique and you

1091
00:51:58,440 --> 00:52:00,640
Speaker 2: only have a few cards and you do have some debt,

1092
00:52:00,760 --> 00:52:02,920
Speaker 2: you don't want them to be closing any credit cards

1093
00:52:02,920 --> 00:52:05,960
Speaker 2: because you can use all like the bigger your available

1094
00:52:06,000 --> 00:52:08,880
Speaker 2: balance and the lower year debt is that's that's just

1095
00:52:09,040 --> 00:52:13,160
Speaker 2: like the perfect recipe to have a low utilization rate

1096
00:52:13,200 --> 00:52:14,920
Speaker 2: and that can really improve your your score.

1097
00:52:15,800 --> 00:52:16,239
Speaker 1: Mm hmm.

1098
00:52:17,719 --> 00:52:20,920
Speaker 2: Good questions. All right, guys again, Hit us up at

1099
00:52:20,960 --> 00:52:25,000
Speaker 2: brand Ambition Podcast at gmail dot com, or drop us

1100
00:52:25,000 --> 00:52:27,440
Speaker 2: a note just click ask us anything on our website,

1101
00:52:27,440 --> 00:52:29,400
Speaker 2: which is at broad Ambition podcast dot.

1102
00:52:29,239 --> 00:52:32,480
Speaker 1: Com dot com. I don't know, I still at the draw.

1103
00:52:32,640 --> 00:52:35,560
Speaker 1: I'm like, I'm on this, I'm on my maids And.

1104
00:52:37,600 --> 00:52:39,760
Speaker 2: Those are the two best ways to reach us. Facebook,

1105
00:52:39,760 --> 00:52:41,880
Speaker 2: where we're not really tracking I don't really track Facebook

1106
00:52:41,960 --> 00:52:45,600
Speaker 2: questions as much. I'm always checking the inbox though, So

1107
00:52:45,640 --> 00:52:47,520
Speaker 2: if you want to really get your question on the show,

1108
00:52:47,560 --> 00:52:50,719
Speaker 2: I think that UH email is probably the best way

1109
00:52:50,760 --> 00:52:52,960
Speaker 2: to go, or dropping us a note through the website.

1110
00:52:53,960 --> 00:52:56,120
Speaker 1: Yeah, that website. That's always really good because it's easy.

1111
00:52:56,239 --> 00:52:58,480
Speaker 1: Plus you get to see all the other episodes we've had.

1112
00:52:59,600 --> 00:53:02,480
Speaker 2: This end on a high net with some winds.

1113
00:53:01,800 --> 00:53:06,480
Speaker 1: Yes, wind. So although it won't be the actual day

1114
00:53:07,480 --> 00:53:12,120
Speaker 1: today that we're taping, is uh independence day for Ghana?

1115
00:53:12,520 --> 00:53:14,640
Speaker 1: But what book not? That's that's not what people from

1116
00:53:14,680 --> 00:53:18,719
Speaker 1: Ghana say, but I didn't know any other. So because

1117
00:53:18,760 --> 00:53:21,319
Speaker 1: in honor of it being independence Day for Ghana, I

1118
00:53:21,360 --> 00:53:23,799
Speaker 1: will not make reference to who has a better jealou Rice.

1119
00:53:23,800 --> 00:53:26,799
Speaker 1: We're gonna put that to the side today. Today Nigerians

1120
00:53:26,800 --> 00:53:29,480
Speaker 1: and Ghanaans will lay jealous Rice down and just say

1121
00:53:29,520 --> 00:53:33,719
Speaker 1: congratulations to Ghana. They were the very first African nation

1122
00:53:33,960 --> 00:53:36,799
Speaker 1: that was kind of like kind of this has been

1123
00:53:36,840 --> 00:53:42,080
Speaker 1: one of those kind of colonial have any colonized colonized wheelshop,

1124
00:53:42,160 --> 00:53:43,560
Speaker 1: I'm telling you, it's been a long day. This this

1125
00:53:43,719 --> 00:53:46,680
Speaker 1: magic she gave me. I'm feeling loopy right, So it's

1126
00:53:46,719 --> 00:53:49,399
Speaker 1: one of the very first sakes, one of the very

1127
00:53:49,400 --> 00:53:53,680
Speaker 1: first nations that were that was colonialized by the by

1128
00:53:54,239 --> 00:53:57,920
Speaker 1: you know, by Europe, that that were able to you know,

1129
00:53:58,080 --> 00:53:59,880
Speaker 1: get their independence and their freedom and to break for

1130
00:54:00,520 --> 00:54:03,520
Speaker 1: and so for that, you know, Ghana started, you know

1131
00:54:03,600 --> 00:54:06,759
Speaker 1: the ripple effect that has now you know, helped other

1132
00:54:06,800 --> 00:54:10,040
Speaker 1: African nations. And today is their day of independence. And

1133
00:54:10,200 --> 00:54:13,719
Speaker 1: I love my Western West African brothers and sisters. I

1134
00:54:14,040 --> 00:54:15,839
Speaker 1: love all the diaspora, but today is your day.

1135
00:54:16,120 --> 00:54:18,359
Speaker 2: So that's my Parkhandians.

1136
00:54:19,200 --> 00:54:21,719
Speaker 1: Oh that's right. I forgot pretty.

1137
00:54:21,480 --> 00:54:23,640
Speaker 2: Much any black person in America is probably Parkhandian.

1138
00:54:23,719 --> 00:54:27,120
Speaker 1: But okay, right, basically, this is a good.

1139
00:54:26,960 --> 00:54:29,319
Speaker 2: Opportunity to plug that book I talked about that. I

1140
00:54:29,320 --> 00:54:33,720
Speaker 2: think it's like blowing it's been blowing up Homegoing by Yagyasi.

1141
00:54:34,040 --> 00:54:37,880
Speaker 2: She's a Gadian author, and that book is fu freaking nominal.

1142
00:54:37,920 --> 00:54:39,839
Speaker 2: You got to read it. It's so good. It's it's

1143
00:54:39,840 --> 00:54:42,480
Speaker 2: not a short it's not a very long read, but

1144
00:54:42,520 --> 00:54:45,839
Speaker 2: it's so impactful and it basically tells the story of

1145
00:54:45,880 --> 00:54:50,399
Speaker 2: the saved the slave trade, starting in Ghana, starting there

1146
00:54:50,400 --> 00:54:54,000
Speaker 2: at the beginning of slavery and telling the story of

1147
00:54:54,080 --> 00:54:57,240
Speaker 2: the black diaspora and everything through different generations of people,

1148
00:54:57,280 --> 00:55:02,840
Speaker 2: all starting from one woman like generation is amazing. It's amazing. Yeah, yeah, yep,

1149
00:55:03,440 --> 00:55:06,200
Speaker 2: I'm gonna post that initial the show notes too.

1150
00:55:07,880 --> 00:55:09,879
Speaker 1: Okay, I know that's gonna be perfect. It's in honor

1151
00:55:09,920 --> 00:55:12,520
Speaker 1: of our ourgud name brothers and sisters. What about you?

1152
00:55:12,600 --> 00:55:13,560
Speaker 1: What is your wins?

1153
00:55:14,320 --> 00:55:16,719
Speaker 2: I gotta win. I have to do my win for

1154
00:55:16,760 --> 00:55:19,680
Speaker 2: Oscar so woke, That's what I'm calling it. I'm calling

1155
00:55:19,760 --> 00:55:22,400
Speaker 2: it Oscar so Woke. I know that there is a

1156
00:55:22,400 --> 00:55:26,320
Speaker 2: lot of work to be done, and you know progress

1157
00:55:26,480 --> 00:55:29,160
Speaker 2: is being made, but they're not quite like there yet.

1158
00:55:29,719 --> 00:55:31,759
Speaker 2: But this was like, I mean, I really do.

1159
00:55:31,760 --> 00:55:32,480
Speaker 1: Watch the Oscars.

1160
00:55:32,480 --> 00:55:34,920
Speaker 2: This was a world of difference from one or two

1161
00:55:34,960 --> 00:55:39,319
Speaker 2: Oscars ago, just like the representation, I mean, the from

1162
00:55:39,360 --> 00:55:44,359
Speaker 2: the nominees from Jordan Peel winning Best Screenplay. I did

1163
00:55:44,400 --> 00:55:46,799
Speaker 2: really feel Mary Blige's pain. You could see the pain

1164
00:55:46,840 --> 00:55:50,640
Speaker 2: in her face. Whence she didn't win for Best Songs. Yeah,

1165
00:55:50,760 --> 00:55:52,120
Speaker 2: I think I really wanted her to win too, but

1166
00:55:52,160 --> 00:55:53,880
Speaker 2: she got beat out. But then she lost to Cocoa,

1167
00:55:53,960 --> 00:55:57,279
Speaker 2: which is a Pixar movie about a little Mexican boy,

1168
00:55:57,400 --> 00:55:59,000
Speaker 2: so exactly, you.

1169
00:55:58,920 --> 00:56:02,719
Speaker 1: Know, it just it just one bringing out all the

1170
00:56:02,800 --> 00:56:06,000
Speaker 1: leaders and co founders of like all these beautiful black

1171
00:56:06,040 --> 00:56:08,160
Speaker 1: movements and brown movements. That was awesome.

1172
00:56:08,800 --> 00:56:12,680
Speaker 2: Yeah, shout out to Patrice Khan who who Tiffany's best friend,

1173
00:56:12,920 --> 00:56:15,360
Speaker 2: Trina Publicist extraordinaire represents.

1174
00:56:15,760 --> 00:56:16,280
Speaker 1: Mm hmmm.

1175
00:56:16,640 --> 00:56:19,440
Speaker 2: They had They even had the Little Girl from the

1176
00:56:19,480 --> 00:56:21,680
Speaker 2: Little Girl who was like live tweeting some of the

1177
00:56:21,719 --> 00:56:25,160
Speaker 2: bombings in Syria. She was on stage. I read that

1178
00:56:25,320 --> 00:56:27,680
Speaker 2: was a really powerful performance, Like you thought you thought

1179
00:56:27,760 --> 00:56:29,920
Speaker 2: was Mary's performance with like the choir in the background,

1180
00:56:29,920 --> 00:56:31,759
Speaker 2: that was going to get you. But then that that

1181
00:56:31,960 --> 00:56:35,719
Speaker 2: song which had come from the movie Marshall about third

1182
00:56:35,760 --> 00:56:37,640
Speaker 2: grade Marshall, that was that was the soundtrack, right, was

1183
00:56:37,640 --> 00:56:41,719
Speaker 2: common and Andre Day it was Yeah, just chills, all

1184
00:56:41,800 --> 00:56:44,760
Speaker 2: the chills and the speeches and Viola in that pink

1185
00:56:44,840 --> 00:56:48,840
Speaker 2: dress just working it and black Panther like all the

1186
00:56:48,880 --> 00:56:52,239
Speaker 2: cash fro and Black Panther was there, and it just

1187
00:56:52,360 --> 00:56:54,400
Speaker 2: it felt different, and you know, it really made me

1188
00:56:54,440 --> 00:56:57,440
Speaker 2: step back. And I know it's Hollywood and there're just

1189
00:56:57,480 --> 00:56:59,400
Speaker 2: a bunch of celebrities and YadA YadA, but these are

1190
00:56:59,440 --> 00:57:02,040
Speaker 2: the images that people see in the world. You know,

1191
00:57:02,120 --> 00:57:03,879
Speaker 2: this is for a lot of people this is their

1192
00:57:03,880 --> 00:57:06,600
Speaker 2: impression of America as our films, our movie, our television,

1193
00:57:06,600 --> 00:57:09,440
Speaker 2: et cetera, and for young kids and stuff. So just

1194
00:57:09,480 --> 00:57:13,239
Speaker 2: the fact that there's been such a massive change, I

1195
00:57:13,239 --> 00:57:15,279
Speaker 2: think it all has to go back to people, you know,

1196
00:57:15,480 --> 00:57:19,959
Speaker 2: honestly black Twitter fans who have shown up and shown

1197
00:57:20,000 --> 00:57:25,160
Speaker 2: out for these movies of diverse casting and for creators

1198
00:57:25,240 --> 00:57:28,320
Speaker 2: that are diverse like that we're demanding it and paying

1199
00:57:28,360 --> 00:57:30,840
Speaker 2: for it. It just it feels really powerful and I

1200
00:57:31,720 --> 00:57:33,280
Speaker 2: want to like get everyone like a pat on the

1201
00:57:33,320 --> 00:57:35,600
Speaker 2: back for it. And also I might give a little

1202
00:57:35,600 --> 00:57:37,080
Speaker 2: bit of a time. I might give a little bit

1203
00:57:37,080 --> 00:57:41,760
Speaker 2: of a shout out to our chief, our president right now,

1204
00:57:41,800 --> 00:57:44,360
Speaker 2: because if there's any silver lining to what is happening

1205
00:57:44,440 --> 00:57:47,200
Speaker 2: in that crazy town White House right now, I think

1206
00:57:47,200 --> 00:57:50,919
Speaker 2: it's that people just really whatever was holding them back

1207
00:57:51,560 --> 00:57:55,040
Speaker 2: from speaking out and sharing their voice and sharing their

1208
00:57:55,080 --> 00:57:57,720
Speaker 2: talent before, people are like, no, no, no, it's the time

1209
00:57:57,800 --> 00:58:00,120
Speaker 2: like now, it's the time when we need these chances.

1210
00:58:00,320 --> 00:58:02,480
Speaker 2: And it's just really it just felt like that. I

1211
00:58:02,800 --> 00:58:05,400
Speaker 2: just I really loved that show and that's why I'm

1212
00:58:05,440 --> 00:58:07,600
Speaker 2: calling it Oscar. So well, you can agree to disagree

1213
00:58:07,680 --> 00:58:10,640
Speaker 2: or whatever, anyone listening, but it felt it felt really

1214
00:58:10,640 --> 00:58:11,200
Speaker 2: different to me.

1215
00:58:11,880 --> 00:58:14,040
Speaker 1: No, I did, and I heard that from a lot

1216
00:58:14,040 --> 00:58:16,720
Speaker 1: of people, just from people who were even there, and

1217
00:58:17,160 --> 00:58:20,320
Speaker 1: that it's just you know, it's there's a difference. There's

1218
00:58:20,400 --> 00:58:23,560
Speaker 1: there's been growth and there's been there's been just a shift,

1219
00:58:23,600 --> 00:58:25,480
Speaker 1: and so it was really nice to see. I was like,

1220
00:58:25,520 --> 00:58:29,560
Speaker 1: look at the oscars and yeah, sometimes we need that.

1221
00:58:29,680 --> 00:58:35,360
Speaker 1: Sometimes you need something to like wake people up, to say, ah.

1222
00:58:34,360 --> 00:58:37,240
Speaker 2: I wish you know, I'm always like something crazy like this,

1223
00:58:37,480 --> 00:58:41,760
Speaker 2: Like couldn't we have just like an annual conference or something,

1224
00:58:41,960 --> 00:58:46,160
Speaker 2: or like like do we need a borderline dictator president?

1225
00:58:46,240 --> 00:58:50,000
Speaker 2: I don't know, but yeah, this is true.

1226
00:58:50,680 --> 00:58:53,960
Speaker 1: That's true. Oh but sometimes it's like so weird. Have

1227
00:58:54,080 --> 00:58:57,960
Speaker 1: a pendulum sometimes swings so erratically, you know, it's like, ah,

1228
00:58:58,120 --> 00:59:01,200
Speaker 1: crazy president. We also we're gonna die. Everybody vands together

1229
00:59:01,240 --> 00:59:02,640
Speaker 1: to make the world a better place, you.

1230
00:59:02,600 --> 00:59:08,120
Speaker 2: Know honestly, Yeah, I mean it's still America, like you can't. Yes,

1231
00:59:08,160 --> 00:59:10,640
Speaker 2: he's crazy, but he's not going to last forever. We

1232
00:59:10,760 --> 00:59:13,440
Speaker 2: you know this at least we know at least we

1233
00:59:13,480 --> 00:59:15,440
Speaker 2: live in a country where this is only for four years.

1234
00:59:15,440 --> 00:59:18,200
Speaker 2: You know, in four years time, we can get out

1235
00:59:18,240 --> 00:59:20,120
Speaker 2: there and we can vote again, we can undo this

1236
00:59:20,360 --> 00:59:22,240
Speaker 2: in a lot of countries, like we just saw China,

1237
00:59:22,760 --> 00:59:24,560
Speaker 2: just to just to break it down real quick, China

1238
00:59:24,800 --> 00:59:27,440
Speaker 2: just put past some law that says that their president

1239
00:59:27,480 --> 00:59:31,840
Speaker 2: can say forever. And then of course Trumpzo in an interview,

1240
00:59:31,960 --> 00:59:34,920
Speaker 2: was like, hey, maybe America should try that. No, yeah, no,

1241
00:59:35,880 --> 00:59:39,160
Speaker 2: shut its down, you guys, this is a democracy and

1242
00:59:39,200 --> 00:59:41,240
Speaker 2: at least that we have that to be grateful for,

1243
00:59:41,320 --> 00:59:43,520
Speaker 2: because some countries, I mean, look at Putin and Russia,

1244
00:59:43,560 --> 00:59:45,400
Speaker 2: like there's some countries where you don't have a say.

1245
00:59:45,960 --> 00:59:47,960
Speaker 2: So at least we at least we can. He could

1246
00:59:48,000 --> 00:59:50,640
Speaker 2: take a deep breath, get out there and vote midterm

1247
00:59:50,640 --> 00:59:55,520
Speaker 2: elections there next next November. More females are running for

1248
00:59:55,600 --> 01:00:00,000
Speaker 2: office than ever for for legislative sy so that's huge,

1249
01:00:00,040 --> 01:00:02,560
Speaker 2: which like a change is coming and we actually can

1250
01:00:02,600 --> 01:00:04,640
Speaker 2: do something about it here and that's that's me. It's

1251
01:00:04,640 --> 01:00:05,440
Speaker 2: a little empowering.

1252
01:00:06,200 --> 01:00:12,160
Speaker 1: Yeah, I agree, Okay, Okay, Well, I hope you guys

1253
01:00:12,200 --> 01:00:13,880
Speaker 1: have an awesome rest of the week and if you

1254
01:00:13,880 --> 01:00:17,120
Speaker 1: are in the Northeast and be safe for this nor'

1255
01:00:17,120 --> 01:00:19,360
Speaker 1: easter that they say it's coming. Honestly, so many of

1256
01:00:19,360 --> 01:00:22,320
Speaker 1: the schools already closed like Supergirls. They didn't even They're like, yeah,

1257
01:00:22,320 --> 01:00:27,000
Speaker 1: I don't even come to school tomorrow. So just be safe.

1258
01:00:27,200 --> 01:00:30,800
Speaker 1: Don't eat all of your your Northeastern snacks tonight, which

1259
01:00:30,800 --> 01:00:34,480
Speaker 1: is very tempting. Remember we had that blizzard coming and

1260
01:00:34,560 --> 01:00:36,280
Speaker 1: everybody was like they brought all these snacks, and they're like,

1261
01:00:36,280 --> 01:00:38,000
Speaker 1: what happens if you ate your blizzard snacks before the

1262
01:00:37,960 --> 01:00:38,439
Speaker 1: blue birds?

1263
01:00:39,480 --> 01:00:40,960
Speaker 2: New York City loves the blizzard.

1264
01:00:41,000 --> 01:00:43,280
Speaker 1: They love us storm, don't we ask?

1265
01:00:43,360 --> 01:00:46,760
Speaker 2: One that used to stay in drink wine, you know,

1266
01:00:46,840 --> 01:00:47,680
Speaker 2: can stay drunk.

1267
01:00:48,040 --> 01:00:50,440
Speaker 1: Yes, And social media is lit because everybody's just out

1268
01:00:50,480 --> 01:00:53,240
Speaker 1: here like, yeah, what y'all doing with nothing? Yes?

1269
01:00:53,320 --> 01:00:55,640
Speaker 2: You know those are that's work from home or like

1270
01:00:55,880 --> 01:00:56,760
Speaker 2: the internet's working.

1271
01:00:58,120 --> 01:01:00,480
Speaker 1: Basically you're not doing anything, you're doing everything.

1272
01:01:00,680 --> 01:01:01,960
Speaker 2: Talk to me when the power goes out.

1273
01:01:12,000 --> 01:01:12,040
Speaker 1: H