WEBVTT - Tiffany's Farewell Part 2 — What's Next? 0:00:00.120 --> 0:00:06.280 Hey, hey, hey, we're back. We're black. 0:00:06.720 --> 0:00:22.040 Were around ambition Ambition, Ambition, Ambition, emisition. 0:00:25.160 --> 0:00:27.360 We gotta do it, we gotta do. You have to 0:00:27.440 --> 0:00:29.200 do one of the combos, you know, like of like 0:00:29.240 --> 0:00:32.199 the song, like it's like many clips of you know, 0:00:32.240 --> 0:00:34.040 the many ways that the song has been sung. 0:00:34.680 --> 0:00:38.280 Tiffany, are you in my brain? Like micro business? These 0:00:38.320 --> 0:00:40.879 shows and what they're gonna be when they finally air 0:00:41.000 --> 0:00:43.479 us up? Tell me, but let me just prepare you 0:00:43.520 --> 0:00:46.680 in advance. I am putting you know, I'm a journalism girley, 0:00:47.520 --> 0:00:50.400 and I'm really putting on my best Good Morning America 0:00:50.440 --> 0:00:52.440 producer hat when it comes to this like four part 0:00:52.520 --> 0:00:54.720 series and welcome to part number two, which is where 0:00:54.720 --> 0:00:58.480 we're going to talk about the future after Tiffany's gone 0:00:58.960 --> 0:01:03.280 from Brown Ambition. But yeah, welcome to Brown Ambition, y'all. 0:01:03.360 --> 0:01:06.840 This is our special four part series because Tiffany, if 0:01:06.920 --> 0:01:08.880 y'all have been living under a rock, how is there 0:01:08.880 --> 0:01:11.440 any way that you don't know by now that Tiffany 0:01:12.160 --> 0:01:14.240 is it's hard to say it in a way that 0:01:14.280 --> 0:01:18.480 doesn't sound like you're on life support. Tiffany is no 0:01:18.520 --> 0:01:20.760 longer going to be with us. 0:01:20.760 --> 0:01:21.479 That's not crazy. 0:01:21.520 --> 0:01:25.720 I'm yeah, Tiffany's leaving. Leaving sounds like I don't know. 0:01:25.800 --> 0:01:28.600 My therapist would say, I wonder why you're so uncomfortable 0:01:28.600 --> 0:01:33.760 with the word leaving. Tiffany is some you talk. 0:01:34.520 --> 0:01:37.960 Oh, I am no longer going to be the co 0:01:38.040 --> 0:01:41.080 host of Brown and Viission, but bran Abission continue. 0:01:40.680 --> 0:01:41.560 The permanent co host. 0:01:41.640 --> 0:01:44.560 Yeah. No, for sure, I'm going to come back to 0:01:44.640 --> 0:01:45.759 visit girl. 0:01:45.959 --> 0:01:48.120 I'm going to make sure there's a loophole so big 0:01:48.320 --> 0:01:53.680 in that contract will be updated. No, for sure, but yeah, 0:01:53.720 --> 0:01:56.840 and I'm not letting Tiffany go without a proper send off. 0:01:57.360 --> 0:01:59.920 And it just feels right because honestly, for the next month, 0:02:00.160 --> 0:02:03.559 I will not be thinking about anything else or wanted 0:02:03.560 --> 0:02:06.080 to talk about anything else. This is like, this is 0:02:06.120 --> 0:02:09.080 why they say in lesbian relationships, like there's just the 0:02:09.160 --> 0:02:11.840 conversations are endless and like you never like it's just 0:02:11.960 --> 0:02:14.320 constant because like, all I want to do is talk 0:02:14.360 --> 0:02:18.520 about this and it could take hours and hours and hours. 0:02:18.680 --> 0:02:21.440 We're just going to work through it together. So if 0:02:21.440 --> 0:02:23.440 you haven't listened to it yet, go back and listen 0:02:23.480 --> 0:02:26.519 to Oh that was a really nice episode where we 0:02:26.680 --> 0:02:30.840 just got to take a walk down memory lane. I 0:02:30.919 --> 0:02:34.919 kept walking down memory lane after we signed off, because 0:02:35.560 --> 0:02:39.799 I'm something of a Google doc archaeologist and I don't 0:02:39.840 --> 0:02:43.760 know if anyone else is, but I love, you know, 0:02:43.960 --> 0:02:47.079 just it's it's literally like, at this point, almost two 0:02:47.120 --> 0:02:53.800 decades worth of artifacts from my life, and I was wondering, 0:02:53.919 --> 0:02:56.000 like what I remember There was a spreadsheet when we 0:02:56.040 --> 0:02:57.520 first planned the show, and I went back and I 0:02:57.560 --> 0:03:00.200 found it and I was like, that's Brown Ambition, That's 0:03:00.200 --> 0:03:01.840 where we came up with it. And the other names 0:03:01.840 --> 0:03:05.600 were so trash. I mean, when you send me the text, 0:03:05.600 --> 0:03:08.720 I was like, not the loop, the leap, the nudge, 0:03:08.919 --> 0:03:12.840 like the nudge, life after Money, like they were giving 0:03:13.720 --> 0:03:19.200 David Bach titles likely and so though, okay, sorry, but 0:03:19.280 --> 0:03:24.480 he's the originator of the five l Anyway, really fun 0:03:24.520 --> 0:03:26.359 little snippets. You guys got to follow us on IG 0:03:26.480 --> 0:03:28.799 because I'm gonna start sharing some of these, like little throwback. 0:03:29.240 --> 0:03:32.360 Our first message is about the show, you know, just 0:03:32.560 --> 0:03:35.400 fun stuff, you know, January first, when you're not like 0:03:35.480 --> 0:03:39.800 the permanent co host and I don't know either, but 0:03:39.880 --> 0:03:43.160 it's also just I'm very I'm pretty comfortable in that 0:03:43.240 --> 0:03:45.520 space of uncertainty when it comes to career stuff. I 0:03:45.520 --> 0:03:48.240 think that's in the bravery that you have to walk 0:03:48.240 --> 0:03:50.360 away from something when there's not like a big reason. 0:03:50.400 --> 0:03:53.880 It's just like it feels right. I've done what I 0:03:54.000 --> 0:03:57.760 came here to do, you know, and I'm really excited. 0:03:57.800 --> 0:04:01.480 I mean, the thing is like even without it being 0:04:01.520 --> 0:04:04.120 about you leaving Brown ambition, like I'm always excited to 0:04:04.160 --> 0:04:07.000 see what next kind of adventure Tiffany is going to 0:04:07.080 --> 0:04:08.680 go on because there's always something new and fun. 0:04:08.720 --> 0:04:10.560 And girl, I mean Wayne too, I'm like, shoot, I 0:04:10.640 --> 0:04:16.120 mean the audience, right, And I guess kind of I 0:04:16.160 --> 0:04:19.320 don't want to say breakups. But not all endings are 0:04:19.360 --> 0:04:25.280 as are unfortunate. Not all endings are violent. Not our 0:04:25.400 --> 0:04:28.440 endings are as a result of someone doing something wrong 0:04:28.839 --> 0:04:30.400 that like I love that we get to be an 0:04:30.400 --> 0:04:33.520 example of like hm, you know, and it's not even 0:04:33.560 --> 0:04:36.240 really an end. It's a transition because like our friendship 0:04:36.240 --> 0:04:38.000 doesn't end. So I go, I'm glad that you guys 0:04:38.240 --> 0:04:39.680 that this is not just kind of this one off 0:04:39.720 --> 0:04:43.800 like hey, this is my last episode, surprise, I'm so sorry. 0:04:43.839 --> 0:04:45.719 And then we move on. You get to hear Mandy 0:04:45.720 --> 0:04:49.240 and I continue to interact like, oh wait, I could 0:04:49.240 --> 0:04:51.760 tell the friendship is still there. Oh wait, they still 0:04:51.800 --> 0:04:54.240 care about each other. So wait, wait, what's happening because 0:04:54.240 --> 0:04:57.120 that's what we're told that something must have happened. No, 0:04:57.200 --> 0:04:59.760 nothing at all happened between Mandy and I. You know, 0:05:01.040 --> 0:05:03.239 it's just time and I'm listening, and. 0:05:03.520 --> 0:05:07.640 If anything, we just developed a deeper relationship. And it's 0:05:07.920 --> 0:05:10.080 like that shift from like I said, in the beginning, 0:05:10.120 --> 0:05:13.279 it was like thirty friendship, seventy business and now it's 0:05:13.320 --> 0:05:17.440 just I mean maybe ten, it's just all Now it's 0:05:17.480 --> 0:05:22.000 all friendship. Well, even though we acknowledge that we don't 0:05:22.040 --> 0:05:24.800 know what's coming next, like individually for the show, for you, 0:05:25.720 --> 0:05:29.080 let's just play pretend though, because goal setting is something 0:05:29.080 --> 0:05:31.600 that neither of us is a stranger to. So let's 0:05:31.600 --> 0:05:34.560 do some vision work because I just want to know 0:05:35.400 --> 0:05:41.240 you've we've heard often. I've heard often about the changes 0:05:41.279 --> 0:05:43.360 that you're making. You just talked about having a co 0:05:43.520 --> 0:05:47.800 CEO of the budget Nista, bringing the Liverature Academy under 0:05:47.839 --> 0:05:51.520 the Budgetiesta umbrella. What you got cooking over? Like, what 0:05:51.560 --> 0:05:55.240 do you think? Well, I think that you want to 0:05:55.279 --> 0:05:57.960 see one other three to six months. 0:05:58.360 --> 0:06:00.880 I'll say this that you know, just turn forty five 0:06:01.680 --> 0:06:04.919 and literally you know, midlife. Well, we hope, because you know, 0:06:05.000 --> 0:06:08.680 you lived to ninety plus. And I think the biggest 0:06:08.680 --> 0:06:12.960 shift of this half of my life, especially professionally, I 0:06:13.000 --> 0:06:16.080 feel like this big shift away from Budgetista and toward 0:06:16.120 --> 0:06:18.840 tiffany more because for the last sixteen years I have 0:06:18.920 --> 0:06:22.640 been almost exclusively Budgetista, and I think that's what like 0:06:22.720 --> 0:06:25.560 space is being created for. And what I mean is that, 0:06:25.640 --> 0:06:29.120 like I feel like I told you, like that experience 0:06:29.160 --> 0:06:31.039 I had in last Vegas seeing that you know, unhoused 0:06:31.040 --> 0:06:33.520 woman digging through the trash, and how I had this 0:06:33.640 --> 0:06:37.120 visceral reaction, not like my first time seeing somebody do that. 0:06:37.520 --> 0:06:39.400 But what has been coming up for me a lot 0:06:39.560 --> 0:06:43.720 is that I'm entering into an area of strategic philanthropy, 0:06:45.040 --> 0:06:46.960 you know, like behind the scenes, I'm always giving, Like 0:06:46.960 --> 0:06:48.200 a teacher will hit me up and be like, oh, 0:06:48.200 --> 0:06:50.560 can you help me with my Amazon store for the kids? Sure, Hey, 0:06:50.560 --> 0:06:52.360 you know, I donate here, I get here, you know. 0:06:52.680 --> 0:06:55.240 So that's always been a part of my life. But 0:06:55.360 --> 0:06:59.120 I feel like, you know, it's always been like kind 0:06:59.160 --> 0:07:01.599 of like this behind the scenes Tiffany off to the 0:07:01.680 --> 0:07:03.760 side part of my life. But I feel like I'm 0:07:03.760 --> 0:07:06.000 actually going to bring that to the forefront and link 0:07:06.040 --> 0:07:09.840 it to the business. Like how can I but a foundation? 0:07:10.640 --> 0:07:13.480 I don't know, I don't think right away. So one 0:07:13.560 --> 0:07:15.360 the financial part I had never heard. Have you ever 0:07:15.360 --> 0:07:17.200 heard of a donor advice fund? 0:07:18.200 --> 0:07:23.400 A donor advised yes, that term, yes, but explain it though. 0:07:23.640 --> 0:07:27.600 So as far as a donor advice fund is when 0:07:28.280 --> 0:07:30.400 you it's almost like think about it like as a 0:07:30.440 --> 0:07:33.960 pre nonprofit. So one of my favorite nonprofits is the 0:07:34.000 --> 0:07:37.040 Unadded Way of Greater Newark. And let's just say like 0:07:37.760 --> 0:07:39.320 not even let's just say one of the things like 0:07:39.360 --> 0:07:41.200 when I saw that woman, I said, I'm going to 0:07:41.240 --> 0:07:43.440 go back to Newark, like you know, like I felt 0:07:43.440 --> 0:07:44.640 like the divine said that, what are you going to 0:07:44.720 --> 0:07:46.160 do about it? And I said, I'm going to feed, 0:07:46.360 --> 0:07:50.920 you know, regularly feed the hungry in Newark. And I 0:07:50.960 --> 0:07:54.120 told myself I'm going to commit to start at first, 0:07:54.120 --> 0:07:55.720 I said one thousand dollars a month and twelve hundred 0:07:55.760 --> 0:07:58.600 and I landed on two thousand dollars a month. And 0:07:58.800 --> 0:08:01.560 I will partner with black brown own businesses to say 0:08:01.680 --> 0:08:04.160 how many people can we feed? You know, your I know, 0:08:04.240 --> 0:08:06.160 three restaurant tours that I can reach out to and 0:08:06.200 --> 0:08:08.280 be like, what would this look like if I gave 0:08:08.320 --> 0:08:10.880 you this money and you can you know, once a 0:08:10.920 --> 0:08:13.560 month we have like a feeding so people can know 0:08:13.600 --> 0:08:16.240 where to come. And then I reached out to my 0:08:16.320 --> 0:08:20.000 friend and CEO of the United Way of Greater Newer, 0:08:20.080 --> 0:08:23.880 Catherine Wilson, and she was like, ooh, do it through us, 0:08:23.920 --> 0:08:25.520 because if you do it through us, then we could 0:08:25.520 --> 0:08:29.840 get matching funds. Credential is housed in Newer Audible as 0:08:29.880 --> 0:08:32.520 a newer Panasonic is a newer and to them, what's 0:08:32.520 --> 0:08:34.480 two thousand dollars a month? So maybe that two thousand 0:08:34.559 --> 0:08:37.680 becomes ten, you know, so now you get to support 0:08:37.679 --> 0:08:40.120 this black or brown own business and then you also 0:08:40.160 --> 0:08:43.040 get to feed And so this is what's turning in 0:08:43.120 --> 0:08:45.280 my head of like the direction I'm heading. It's like 0:08:45.400 --> 0:08:48.720 so it's it's still like budget needs to adjacent, but 0:08:48.920 --> 0:08:51.560 more tiffany than budget. How would that be? 0:08:52.040 --> 0:08:56.600 Like I wonder strategically if it's personal funds that you'd 0:08:56.600 --> 0:08:58.600 be using for that or do you see using a 0:08:58.640 --> 0:09:00.880 portion of like the proceeds your businesses? 0:09:01.280 --> 0:09:03.679 So the donor advice fund is the first part. So 0:09:03.840 --> 0:09:06.280 I talked to my financial advisor about it on Jillie 0:09:06.400 --> 0:09:08.680 and she said, let's open a donor advice fund. And 0:09:08.679 --> 0:09:11.080 I was like, what's that. She gave me some paperwork 0:09:11.080 --> 0:09:12.840 to read. I didn't read it, but I did watch 0:09:12.840 --> 0:09:17.280 you a YouTube video and so what I learned in 0:09:17.320 --> 0:09:21.080 the video that it's just nonprofitable. So let's just say 0:09:21.480 --> 0:09:24.120 I tell myself. So, for example, Angelie said, you have 0:09:24.200 --> 0:09:27.760 some stocks and acorns that had been sitting there for 0:09:27.800 --> 0:09:31.079 some time, and like, Robin Hood, Robin Hood. I know. 0:09:31.600 --> 0:09:35.600 So I just randomly had some stock sitting there that 0:09:35.640 --> 0:09:37.760 had grown, and she was like it was about the 0:09:37.760 --> 0:09:40.400 same amount of money, about twenty thousand dollars about what 0:09:40.520 --> 0:09:45.040 I wanted to donate. So she said, you know what 0:09:45.120 --> 0:09:47.840 if you cash out your stocks, obviously any of that 0:09:47.920 --> 0:09:52.560 growth is taxable, but she was like, let's cash out 0:09:52.600 --> 0:09:54.440 and put it in a donor advice fund, which is 0:09:54.440 --> 0:09:58.240 basically a nonprofit kind of like a nonprofit before a nonprofit, 0:09:58.280 --> 0:10:01.240 if you will, which means that that I can get 0:10:01.280 --> 0:10:04.400 the text benefit of putting it in my donor advice 0:10:04.440 --> 0:10:07.000 fund and then I can dispense it when ready. 0:10:07.720 --> 0:10:11.960 Okay, you know, so I was like huge nonprofit nonprofits yes, gotcha, 0:10:12.120 --> 0:10:12.240 you know. 0:10:12.280 --> 0:10:14.880 Okay, So let's say, for example, the benefit is, let's 0:10:14.960 --> 0:10:17.280 just say I'm committed to twenty four thousand dollars a 0:10:17.360 --> 0:10:19.440 year two thousand dollars a month. But what if i 0:10:19.520 --> 0:10:23.320 have a major magnanimous year next year and I'm like, 0:10:23.320 --> 0:10:24.720 oh my gosh, we have this extra money. I'm going 0:10:24.760 --> 0:10:27.360 to put one hundred thousand dollars, but I'm not sure 0:10:27.400 --> 0:10:29.000 where to put it yet. I can put one hundred 0:10:29.040 --> 0:10:32.040 thousand in the donor Advice Fund and then dispense it 0:10:32.720 --> 0:10:34.840 as maybe I just say, I'm still doing two thousand 0:10:34.880 --> 0:10:37.240 dollars a month, but now I have enough to last 0:10:37.280 --> 0:10:39.800 me the next however many years, if that makes sense. 0:10:40.040 --> 0:10:42.320 So it allows me to kind of like pre give 0:10:42.400 --> 0:10:45.680 to a nonprofit while like in a holding pattern before 0:10:45.720 --> 0:10:47.160 I give it to the nonprofit I want to give 0:10:47.160 --> 0:10:50.440 it to. And so that's my understanding of it. If 0:10:50.520 --> 0:10:52.320 y'all listening, like, that's not how it goes. But I 0:10:52.360 --> 0:10:54.839 had I had asked, is this right? She said yes, 0:10:54.960 --> 0:10:57.640 I'm sure there's more to it, but essentially that that's 0:10:57.720 --> 0:11:00.000 what I'm able to do. And so I'm really excited 0:11:00.240 --> 0:11:02.559 about that. I'm really excited. But I actually have a 0:11:02.600 --> 0:11:08.480 meeting with her today Unduly, my CPA, my CFP, and 0:11:08.720 --> 0:11:13.440 I am excited about. Okay, so what's next? Like, I've 0:11:13.440 --> 0:11:16.080 got an email saying that the money is now available, 0:11:16.120 --> 0:11:18.160 that the stocks that I sold are now sitting in 0:11:18.200 --> 0:11:21.160 the donor Advice fund, And so like, what do I 0:11:21.200 --> 0:11:22.760 do now? How do I reach out to you in 0:11:22.800 --> 0:11:24.520 that way? How do I send them it? You know, 0:11:24.600 --> 0:11:26.520 do I just send them twenty four thousand after that? 0:11:27.000 --> 0:11:29.000 Or do I really just do two thousand dollars a month? 0:11:30.040 --> 0:11:31.720 And then my next step is to reach out to 0:11:31.760 --> 0:11:34.960 the restaurant tours that I know. I'm thinking about Vonda's 0:11:35.000 --> 0:11:39.680 and Newark. My friend Adina owns a ihop and I 0:11:39.679 --> 0:11:41.320 know she'd already does a lot of volunteer work in 0:11:41.360 --> 0:11:43.720 that way by feeding folks. And then I also know 0:11:43.800 --> 0:11:45.800 a truck, a food truck, which might be great because 0:11:45.800 --> 0:11:48.880 maybe we can go physically to places that because you 0:11:48.920 --> 0:11:51.360 know people, I mean, how I don't want to have, 0:11:52.080 --> 0:11:53.760 you know, like a place where people can't get to, 0:11:54.640 --> 0:11:57.080 so maybe the food truck. So I'm thinking like, but 0:11:57.120 --> 0:11:58.920 also too, I wanted that this is the opportunity to 0:11:58.920 --> 0:12:03.040 support black and brown small businesses and so I'm excited 0:12:03.080 --> 0:12:07.200 about it. I'm thinking about doing it like the same 0:12:07.440 --> 0:12:09.920 day every month, Like say it's like the first Sunday 0:12:09.920 --> 0:12:13.360 of every month. That way people in the community can 0:12:13.400 --> 0:12:16.040 either come out and volunteer time, you know, maybe you 0:12:16.200 --> 0:12:17.880 like I've always heard that a lot of folks who 0:12:17.920 --> 0:12:19.800 are on house socks is a big thing. So maybe 0:12:19.800 --> 0:12:25.640 you can bring socks, women sanitary you know, materials like 0:12:25.720 --> 0:12:27.920 pads and tampons and this that that's a huge one. 0:12:27.960 --> 0:12:31.200 Maybe you can bring that. You know, maybe someone has kids, 0:12:31.280 --> 0:12:33.000 and so someone says, you know, I would really love 0:12:33.040 --> 0:12:36.520 some school clothes. So I imagine that it starts off 0:12:36.559 --> 0:12:39.840 as people come for food but leave with other things. 0:12:39.840 --> 0:12:42.400 Maybe people bring book bags maybe, but just know, once 0:12:42.480 --> 0:12:45.000 a month there's a place that you can come to 0:12:45.040 --> 0:12:47.880 receive if necessary, but there's also a place that you 0:12:47.960 --> 0:12:50.760 can come to give if you want to. And so 0:12:50.840 --> 0:12:53.080 I'm really when I say that is the thing, like 0:12:53.200 --> 0:12:56.080 you know, Bujanisa's trucking along, we're getting contracts and YadA, 0:12:56.120 --> 0:12:58.520 yah YadA. But this is the thing that excites me 0:12:58.559 --> 0:13:01.480 about what I want this next part of my life 0:13:01.480 --> 0:13:03.920 to look like. And so if there is anything kind 0:13:03.920 --> 0:13:06.520 of new, it's really this and the thing that kind 0:13:06.520 --> 0:13:08.040 of is lighting me up inside. 0:13:07.720 --> 0:13:11.480 Is this, Oh that's nice. I think groceries too, just 0:13:11.520 --> 0:13:15.760 even like a bag of yes, honestly, because you can 0:13:16.320 --> 0:13:18.160 a meal is a meal, and I think that's just 0:13:18.880 --> 0:13:22.360 it's lovely. But also I'm like the way that families 0:13:22.480 --> 0:13:28.160 are being crushed by grocery costs and two even for 0:13:28.240 --> 0:13:31.319 one week, think about I mean, this is something any 0:13:31.320 --> 0:13:33.680 of us could do, but just like dropping off like 0:13:33.720 --> 0:13:36.240 one hundred dollars worth of essentials, which these days ain't 0:13:36.280 --> 0:13:40.599 gonna be much, but you know, eggs and milk and 0:13:41.320 --> 0:13:42.679 you know, I don't know. 0:13:42.600 --> 0:13:46.000 If you want groscty cards, right, that always helps. 0:13:45.800 --> 0:13:48.320 To grocery cards, yeah, oh cards. 0:13:48.040 --> 0:13:50.040 Yeah, cards, like you know, because where we live there's 0:13:50.080 --> 0:13:53.440 a shop, right and stopping shops, so maybe it's like hey, 0:13:53.480 --> 0:13:56.640 and they can like go in with dignity, yes exactly. 0:13:58.840 --> 0:14:02.439 Food beats are wonderful, yes, because you can go when 0:14:02.440 --> 0:14:03.880 you go in person in your shop, right, and they 0:14:03.880 --> 0:14:05.400 also like give away I believe so. 0:14:05.480 --> 0:14:07.200 But you're right, what if you had to? Because so 0:14:07.280 --> 0:14:11.360 I see this really growing into like I've been saying 0:14:11.360 --> 0:14:12.880 this for a while, that the only way we're going 0:14:12.920 --> 0:14:14.800 to survive the next few years of what feels like 0:14:14.920 --> 0:14:17.559 is coming, like you know, this great financial reckoning feels 0:14:17.559 --> 0:14:20.320 like it's coming escually form the middle class. It's going 0:14:20.360 --> 0:14:24.360 to be a community. Yeah, and so in the United 0:14:24.360 --> 0:14:27.280 Way actually has this initiative called Neighbors Helping Neighbors, and 0:14:27.320 --> 0:14:29.520 that's what it's going to look like, that it's going 0:14:29.600 --> 0:14:32.400 to be like community. So I love the idea. So 0:14:32.440 --> 0:14:34.600 imagine to your point. It starts off it's like, oh, yeah, 0:14:35.040 --> 0:14:37.360 this restaurant has food that you can come get. But also, 0:14:38.040 --> 0:14:40.040 you know the food bank we partner because there is 0:14:40.040 --> 0:14:42.280 a new Jersey based food bank that I volunteered with before. 0:14:42.320 --> 0:14:45.040 They're there with food and people come donated. And also 0:14:45.720 --> 0:14:47.680 you know there's a book back place over there where 0:14:47.760 --> 0:14:51.440 somebody donated book banks. And also you know, so I would. 0:14:51.160 --> 0:14:53.440 Love also there's someone in line who's going through the 0:14:53.440 --> 0:14:55.720 same thing. And maybe you guys sit down together. Yeah 0:14:55.760 --> 0:14:58.240 your kids are the same age or yes, you know, 0:14:58.400 --> 0:15:02.080 and like you realize you're not so alone. My husband 0:15:02.080 --> 0:15:03.720 such a lone wolf. I think a lot of us 0:15:03.760 --> 0:15:05.760 out He's just become that way more and more in 0:15:05.840 --> 0:15:09.880 his in his ornery clothes. I'm really from Middle Asia anyway, 0:15:10.560 --> 0:15:13.080 and all the time he's like, why don't you just 0:15:13.080 --> 0:15:14.240 go to the grocery store? Why do you have to 0:15:14.240 --> 0:15:16.360 bother so and so. The way, I texted three of 0:15:16.360 --> 0:15:18.400 my neighbors last night for half a cup of vegetable 0:15:18.440 --> 0:15:20.440 oil because I'm trying to make these damn cookies that 0:15:20.440 --> 0:15:22.520 they asked me to make. And I'm like, you guys 0:15:22.560 --> 0:15:24.600 want these cookies. I need half a cup of vegetable 0:15:24.640 --> 0:15:26.600 oil because I'm not about to go to the store. 0:15:27.200 --> 0:15:30.560 And today I needed sugar and I was like a 0:15:30.680 --> 0:15:34.240 bit of boo boo boo boop, Yeah, sugar. And sometimes 0:15:34.280 --> 0:15:36.480 it's like, yeah, I could go to the store. But 0:15:36.600 --> 0:15:39.680 also it's nice to give people it. I think it's 0:15:39.960 --> 0:15:42.360 on both ends. It feels really good when you have 0:15:42.480 --> 0:15:45.120 the missing lego piece, a small little piece that you 0:15:45.160 --> 0:15:49.240 were able to give someone. And I honestly think if 0:15:49.240 --> 0:15:52.960 we when we don't need some, you know, so dire 0:15:53.160 --> 0:15:56.360 just to like it's like stitching a fabric, one stitch, 0:15:56.440 --> 0:15:59.720 you know, it's like, yes, yes, it's like one little stitch. 0:15:59.760 --> 0:16:02.280 And the relationships and I've talked about my neighbors before, 0:16:02.360 --> 0:16:06.000 but we keep like tough, you know, giving and taking 0:16:06.000 --> 0:16:07.880 from each other in the most beautiful way. And it's 0:16:07.880 --> 0:16:12.400 like we're really weaving this fabric and it's lovely. And 0:16:12.480 --> 0:16:15.560 I know if something like huge were to come up, 0:16:15.600 --> 0:16:18.800 it wouldn't even like my husband honestly should be thinking 0:16:18.840 --> 0:16:22.520 me and all the partners of the world, whatever your 0:16:22.720 --> 0:16:27.760 gender identity is. But like, to nurture these relationships, it 0:16:27.880 --> 0:16:30.760 is a form of harvesting. It's a form of like 0:16:31.520 --> 0:16:36.080 sowing seeds and you know, building this foundation and building 0:16:36.120 --> 0:16:39.680 security and resilience so that the community can show up 0:16:39.720 --> 0:16:43.120 for you. And it takes humility and you got to 0:16:43.160 --> 0:16:47.480 like drop some ego to admit it. But I love that. 0:16:48.040 --> 0:16:49.760 I love that that is at the center of what 0:16:49.800 --> 0:16:50.800 you're talking about too. 0:16:51.320 --> 0:16:53.360 Yeah, And I's just also to this is an excitement 0:16:53.400 --> 0:16:56.080 for I don't know what it'll grow to, you know, 0:16:56.720 --> 0:16:59.200 I don't know, like you know, maybe this becomes this big, 0:16:59.280 --> 0:17:01.080 huge thing and maybe doesn't. But either way, I know, 0:17:01.120 --> 0:17:04.840 people get served and helped. And yeah, so if there 0:17:04.920 --> 0:17:07.639 is a what's Tippy doing next? This is the only 0:17:09.080 --> 0:17:10.880 I mean, there's some new things in business we are 0:17:10.920 --> 0:17:14.640 we are incorporating more B to B than we've ever 0:17:14.680 --> 0:17:17.320 had before because like we've been kind of known for 0:17:18.600 --> 0:17:25.320 cost you know, cost not cost prohibitive, but like cost 0:17:25.440 --> 0:17:27.520 fare like tools and resources. You know, we try to 0:17:27.560 --> 0:17:29.080 keep our like I always try to keep my budgets 0:17:29.119 --> 0:17:31.159 to prices within range of what I hope the average 0:17:31.200 --> 0:17:34.760 person you know, can afford, if not free, many of 0:17:34.760 --> 0:17:37.199 our things. And so you know that's been we've been 0:17:37.320 --> 0:17:40.840 B two C heavy, heavy, heavy, and so more recently, 0:17:40.960 --> 0:17:43.600 especially working with the Board of Education in Newark, I'm 0:17:43.640 --> 0:17:47.159 realizing that we have to like, you know, create a 0:17:47.200 --> 0:17:50.760 foundation of some B to B to even offset some 0:17:50.800 --> 0:17:53.320 of the cost because I don't want to raise prices 0:17:53.359 --> 0:17:55.320 on the B two C in order for us to survive. 0:17:55.359 --> 0:17:57.480 But that's what it looks like. But if I can 0:17:57.480 --> 0:18:00.800 get an organization to underwrite basically like oh, you know, 0:18:00.840 --> 0:18:03.240 they paid us, you know, maybe twice as much but 0:18:03.359 --> 0:18:04.960 I normally would charge y'all to do a thing, then 0:18:05.040 --> 0:18:07.320 then I could keep prices the same. And so there 0:18:07.359 --> 0:18:09.680 that's kind of like if there is a big business change, 0:18:09.920 --> 0:18:12.639 it's that we've been working with more and more organizations, 0:18:12.680 --> 0:18:17.760 state organizations, federal organizations, nonpolite. 0:18:17.640 --> 0:18:20.120 The curriculum is it the yeah, a mix. 0:18:20.280 --> 0:18:22.400 So sometimes some people are like literally, there was one 0:18:22.480 --> 0:18:25.080 organization that wants to buy access to our curriculum. 0:18:25.440 --> 0:18:28.440 And the curriculum is the that's the one that you 0:18:28.480 --> 0:18:30.320 introduced in like Jersey schools. 0:18:31.000 --> 0:18:32.840 So that was just a law saying they had to 0:18:32.840 --> 0:18:36.199 do something that they had to have financial education. So 0:18:36.359 --> 0:18:38.440 but but they didn't have a curriculum. So we wrote 0:18:38.440 --> 0:18:41.080 one based upon get good with Money. So we've written 0:18:41.080 --> 0:18:43.840 a curriculum that now people are wanting to purchase because 0:18:43.840 --> 0:18:47.359 we kind of we practiced it, if you will, this 0:18:47.440 --> 0:18:50.720 last summer with the with the summer program, and it 0:18:50.760 --> 0:18:53.399 went really well, and we're like okay, and so we're like, 0:18:53.400 --> 0:18:55.400 this is great. We already kind of had a curriculum 0:18:55.400 --> 0:18:57.520 for adults, if you will, but not so much for 0:18:57.520 --> 0:19:01.040 for students. And so my alma or two is bringing 0:19:01.400 --> 0:19:05.119 financial education Montclair State like our financial County. 0:19:05.480 --> 0:19:06.680 Thank you to the Life Show. 0:19:07.160 --> 0:19:11.639 Yeah, anology, and so I'm really excited that, Like so 0:19:11.800 --> 0:19:15.320 these organizations like literally there are the state, county whatever, 0:19:15.800 --> 0:19:18.359 like for example, this one county organization which I thought 0:19:18.359 --> 0:19:20.880 was so beautiful. They get funding from the federal government 0:19:22.000 --> 0:19:26.560 to they are rolling it out to homeless shelters and 0:19:26.600 --> 0:19:29.320 they said, Tiffany can you come teach or can you 0:19:29.440 --> 0:19:33.439 have like financial educas education classes here at this shelter. 0:19:33.520 --> 0:19:36.040 And I said, oh my god, that's like perfectly aligned. 0:19:36.040 --> 0:19:38.439 That's what I'm wanting. And so it's great because obviously 0:19:38.480 --> 0:19:40.679 the folks there don't have to pay. So I'm like, 0:19:40.680 --> 0:19:43.240 we're gonna do like a three month test to see 0:19:43.280 --> 0:19:46.080 how that goes. And it won't be me teaching. We 0:19:46.160 --> 0:19:49.560 have teachers now that we train to teach. They'll come 0:19:49.600 --> 0:19:52.800 in weekly teach our curriculum, but we will I'm going 0:19:52.880 --> 0:19:57.639 to modify the curriculum to suit the audience, you know, 0:19:58.160 --> 0:20:00.320 because and so which is great because you know, you 0:20:00.320 --> 0:20:01.960 can't talk about like and this is how you invest 0:20:02.000 --> 0:20:04.440 in the market right now and someone's unhoused. 0:20:04.359 --> 0:20:06.439 You know, and then you can get like certified budget 0:20:06.440 --> 0:20:07.320 needs to teachers. 0:20:07.600 --> 0:20:08.560 Yeah, so that's where we're. 0:20:08.440 --> 0:20:10.720 Working with money people and then they can. 0:20:10.640 --> 0:20:12.960