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Speaker 1: Hey, hey, hey, it's not my usual vigor. It's been

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Speaker 1: a long day. How you good?

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Speaker 2: It's been a long day, and Skype is trying its

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Speaker 2: earlier today.

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Speaker 1: I know. Honestly, Skype is a hater.

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Speaker 3: Skype did not want Brown Ambition to happen tonight.

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Speaker 1: But Skype lost. Brown Ambition won Whoop whoop because we're

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Speaker 1: back and were black and we brown.

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Speaker 3: How was your birthday?

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Speaker 1: Honestly, it was awesome. So Superman brought me some diamond

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Speaker 1: ear rings, which he was so proud. I know. He

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Speaker 1: made me open them in front of everybody and like

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Speaker 1: good and passed him around because I was like, when

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Speaker 1: am I getting my gift? He was like later on

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Speaker 1: tonight he was like waiting for more people to come. Oh.

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Speaker 1: So part of the gift was also that he invited

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Speaker 1: like my family and friends to the house for my

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Speaker 1: actual birthday, which was really nice, and he you know,

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Speaker 1: got food. He even got like vegan food for me

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Speaker 1: for my favorite vegan restaurant, and even a vegan cake.

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Speaker 1: It was a chocolate moose cake that was delicious awesome.

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Speaker 1: I know, I was like, look at you because once

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Speaker 1: I found out at first it was going to be

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Speaker 1: a little bit of a surprise, and then I think

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Speaker 1: he was just kind of like, well, let me just

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Speaker 1: tell her. So once I found out, you know, I

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Speaker 1: try to take over and he was like, yeah, so no,

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Speaker 1: I'm the project manager. You just sit back.

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Speaker 2: Not a gift though, because it's so much it's so

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Speaker 2: hard to sit back.

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Speaker 1: Yeah. What I was like calling all my friends secretly

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Speaker 1: like okay, girl, so you could do it for her, right,

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Speaker 1: Like what did he say to brain? Okay, no, this

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Speaker 1: is what you need to do. But it was great,

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Speaker 1: and especially when we opened up. He was like open

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Speaker 1: up the present and I could barely look at that

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Speaker 1: before he took them, was like passing them around the table.

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Speaker 1: I'm like, honestly, okay, sorry, no, yeah, but honestly, it

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Speaker 1: was an awesome, awesome, awesome birthday.

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Speaker 3: Oh happy birthday.

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Speaker 1: Yes oooh child. So you know it's so crazy, you

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Speaker 1: know how week like I talked about the and I

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Speaker 1: know you got some male about that that almost rape

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Speaker 1: moment that I had back when I was like in college.

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Speaker 3: Oh right, last so.

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Speaker 2: Last week on the show, we were talking about all

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Speaker 2: the Harvey Weinstein stuff.

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Speaker 3: Just in case y'all.

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Speaker 2: And Tiffany, you opened up about a really strange, scary,

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Speaker 2: like sexual encounter you had.

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Speaker 1: Mom?

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Speaker 3: Was that in college?

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Speaker 1: Yeah? It was like yeah, I think I had to

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Speaker 1: be maybe a freshman in college and then so I

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Speaker 1: wasn't rape. For those of you are like, what, so

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Speaker 1: listen to the show before, but I then then to

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Speaker 1: home me too. So this was relating back to kind

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Speaker 1: of like what's happening now. There's this campaign going around

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Speaker 1: called me Too, where women are sharing their own sexual

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Speaker 1: harassment or rape or molestation or whatever that looks like.

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Speaker 1: And it's so powerful in that seeing women that I

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Speaker 1: know and I'm like really seeing their stories and it's

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Speaker 1: I don't know that any woman has not said basically

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Speaker 1: me too. Hashtag me too. It's just been really powerful.

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Speaker 1: Have you seen it?

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Speaker 2: Oh yeah, I mean how could you miss it? I

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Speaker 2: mean it's sadly, how could you miss it? It seems like

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Speaker 2: half the women I'm on my Facebook feed, you know,

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Speaker 2: are either writing it's It's nice because it's such a

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Speaker 2: simple hashtag and it leaves it leaves you with the

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Speaker 2: ability to not have to say too much, like you

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Speaker 2: can just say me too, but not have to expand

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Speaker 2: on it. But then some of my friends and colleagues

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Speaker 2: and family have been like, you know, taking an opportunity

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Speaker 2: to share, you know, more details and stuff.

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Speaker 1: But yeah, it is so this is kind of I'm

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Speaker 1: just like, did you see did you hear about the

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Speaker 1: story about American Airlines? And uh, Tamika said, Tamika Maori

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Speaker 1: this is her name. She is a No, it's Tamika,

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Speaker 1: that's what it is. She's a black activist. So I

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Speaker 1: guess I'm just thinking this is just coming out that, like,

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Speaker 1: she was booted from an American Airlines plane. Now they

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Speaker 1: have this big well she's starting kind of like a campaign,

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Speaker 1: I guess against American Airlines. So apparently she tried to

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Speaker 1: switch her seat, wasn't able to. I guess a pilot

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Speaker 1: overheard her going back and forth with the gate agent,

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Speaker 1: so after she would seated, so I guess at a

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Speaker 1: Kiosk she switched her seat from middle to aisle but

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Speaker 1: it didn't take at the gate, so she was going

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Speaker 1: back and forth with the gate agent like no, no, I

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Speaker 1: had an aisle seat, a middle seat or whatever. The

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Speaker 1: pilot overheard and I guess when she got seated, then

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Speaker 1: had her removed. This is like after they she went

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Speaker 1: back and forth with the gate agent. So anyway, it's

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Speaker 1: just kind of random, and I was just like, what,

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Speaker 1: you would think these airlines would be more more careful

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Speaker 1: these days about removing people, Like not just for me

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Speaker 1: reading it now, of course I'm not hearing what American

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Speaker 1: Airlines is having to say, but reading it now, it

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Speaker 1: seems like so petty, but you would think that they'd

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Speaker 1: be more careful with how they've been sued so many

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Speaker 1: times for improper removing people, improperly removing people. One of

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Speaker 1: my friends worked for an airline, so whenever something like

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Speaker 1: this happens, I always ask him, like, you know, so

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Speaker 1: like what you know, did they did they follow a procedure?

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Speaker 1: What could what? What they what were they allowed to

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Speaker 1: do or not allowed to do? And his his insights

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Speaker 1: always really interesting when he's like, oh, yeah, they totally

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Speaker 1: messed up or actually that's the procedure and unfortunately just

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Speaker 1: went left. So yeah, that's airlines.

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Speaker 2: Well, I mean, it's not just the airlines, it's like

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Speaker 2: the people working, you know, it's like the PR, the

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Speaker 2: PR person that the airline definitely would handle it differently,

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Speaker 2: but like when it's down to like the individual at

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Speaker 2: the gate and like and who they're hiring and like

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Speaker 2: so many.

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Speaker 1: People it is, especially you know, it's not easy. I mean,

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Speaker 1: I'm not saying that American I didn't make a mistake,

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Speaker 1: but customer support and service can be because you know everyone,

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Speaker 1: he's just so many personalities to deal with, and you know,

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Speaker 1: just managing that, like the person before might have just

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Speaker 1: yelled at you. The other person is like, I'm going

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Speaker 1: to get you fired, and it's just so much. Don't

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Speaker 1: even know how I mean. I guess you could say

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Speaker 1: I work in customer support in some ways, and sometimes

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Speaker 1: I'm like, I'm all right on the other side, Yeah, well,

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Speaker 1: being on the side of like service, you know, because

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Speaker 1: like you'll try to serve somebody, Yo, there is no

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Speaker 1: what is that saying about? Like no good deed goes unpunished.

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Speaker 1: Like literally, I could give something like, hey, guys, I'm

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Speaker 1: going to give you this present. It's so great here

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Speaker 1: and it's totally free. It will change your life, and

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Speaker 1: somebody will still be like it's not purple though, and

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Speaker 1: I'm like, what like it? Somebody will complain about something

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Speaker 1: so random of this free gift. Oh. I remember one

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Speaker 1: time a woman signed up for my Live Ritual Challenge,

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Speaker 1: which is completely free and it's already years in, so

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Speaker 1: you know, in the beginning, I can understand people are

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Speaker 1: a little sketchy about like, oh, is this really free

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Speaker 1: or is it like fake free? When they're like psyche,

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Speaker 1: got you. But it's like year four now, so there's

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Speaker 1: no gotcha, gotcha. And so she wanted a one on

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Speaker 1: one so she emailed and me was like, hey, you

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Speaker 1: know I'm doing the challenge. I have a question. Can

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Speaker 1: I can I get a phone call? And I was like,

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Speaker 1: you know, unfortunately, because there's so many women at this time,

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Speaker 1: it was a few hundred thousand, and you know that

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Speaker 1: I can't do one on one phone call. But you

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Speaker 1: police post in the group because there's literally hundreds of

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Speaker 1: thousands of women and someone has the answer for you.

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Speaker 1: And she wrote back, and I'll never forget this. I

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Speaker 1: remember looking at the screen and blinking, Well, clearly, this

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Speaker 1: is not a program for me. If you can't take

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Speaker 1: the time out of your day to get on the

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Speaker 1: phone to help somebody, I think I'll remove myself. I'm

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Speaker 1: like from the from the free program. Like I was

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Speaker 1: thinking to myself, ma'am, I'm literally this is okay. You

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Speaker 1: could leave. I'd prefer if you don't. But I'm like,

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Speaker 1: it's a free problem. Why are you mad at me

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Speaker 1: because I won't take a call from all three hundred

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Speaker 1: thousand women who hit me up. That's why I created

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Speaker 1: the group, because I kept getting so many requests to

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Speaker 1: talk that I said, there has to be a way

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Speaker 1: that people still get help if I can't speak to

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Speaker 1: anyone individually, everyone individually, and so it's like you still

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Speaker 1: get the help for free, no matter what. And so

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Speaker 1: I just remember thinking like, wow, you could do a

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Speaker 1: lot of good, but there's always gonna be somebody who's

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Speaker 1: going to be like, I know you gave your arm,

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Speaker 1: but you didn't give you a shoulder, you know. Oh

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Speaker 1: my gosh.

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Speaker 3: Yeah, the service industry.

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Speaker 1: Yes, that service industry, it can be well. I mean

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Speaker 1: I'm great, so on truth, people are nice. Yeah. So

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Speaker 1: I was gonna say like, yeah, I have a lot.

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Speaker 1: I mean, ninety nine percent of the dream catches are honestly,

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Speaker 1: it's the thing that keeps me going. But then you

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Speaker 1: get that one and you're like, girl, get on my inbox.

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Speaker 3: Hey did you see the Google doodle today?

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Speaker 1: Yes?

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Speaker 2: Eelena, I didn't realize today what is it the anniversary

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Speaker 2: of her very first album in nineteen What are the

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Speaker 2: people what an icon there?

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Speaker 1: I know, isn't that so crazy? There's some people who's

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Speaker 1: because how old was she?

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Speaker 3: She was twenty th twenty four when she died. I

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Speaker 3: mean she was like a baby exactly.

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Speaker 1: And I mean I wonder what it is about some

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Speaker 1: people who are who leaves such a mark on the

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Speaker 1: world that they literally change it and are forever remembered,

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Speaker 1: you know what I mean, Like, like what is that

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Speaker 1: magic sauce that some people have, because like I'm not

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Speaker 1: even like into like necessarily, like I'm not sure what

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Speaker 1: you would call the music, the type like her genre music.

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Speaker 2: It was well, she started out doing tehano music, I think,

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Speaker 2: and then she was crossing over into pop music.

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Speaker 1: So I'm not like, you know, but still I knew

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Speaker 1: about Selena like and her impact. So it just sometimes

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Speaker 1: people just leave this mark and it's in, you know,

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Speaker 1: it's just forever part of the fabric of I don't know,

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Speaker 1: of our culture. And that's Selena. I'm like, oh, man, like, yeah,

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Speaker 1: what a beautiful young soul. And You're right, she was

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Speaker 1: a baby, and it's such a shame you could use.

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Speaker 3: The Selena today. Man.

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Speaker 2: I think what she represented too, the combination of culture

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Speaker 2: from Mexico to America, because you know, she was grew

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Speaker 2: up in Texas, but Mexican American. But that's like a

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Speaker 2: different culture than straight Mexican than straight American. And I

209
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Speaker 2: think she represented both worlds so so great, so well,

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Speaker 2: and she was like both of ours, and you know,

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Speaker 2: represented like a new generation of young Mexican American immigrants.

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Speaker 2: And of course she died so young. It's also just

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Speaker 2: like the fact of someone dying so young and being

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Speaker 2: so bright, like Aliyah, think about Aliah when you think

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Speaker 2: about Selena. But if you want to go feel some

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Speaker 2: kills and have like a little pick me up, go

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Speaker 2: check out the Google all you have until midnight.

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Speaker 3: Actually it's over by now.

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Speaker 2: When you're listening to this, it's like it's that it's

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Speaker 2: gonna be on YouTube though no, no, it's on YouTube.

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Speaker 3: If you go to them, they had the video that

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Speaker 3: they have.

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Speaker 1: Is on YouTube.

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Speaker 3: You can just you can go to.

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Speaker 2: YouTube and look up Selena Google doodle.

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Speaker 3: And the middle pop up.

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Speaker 1: Yeah. Okay, do you want to break or do you

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Speaker 1: want to boost? Because I won't want to I don't

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Speaker 1: know what do I want to do? Break or boost?

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Speaker 1: What do you want to do. I want to.

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Speaker 2: Break well, I always get torn. I want to do

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Speaker 2: a break from more money, more problems. Okay, here's the problem.

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Speaker 2: I feel like I'm at that place now where we

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Speaker 2: had to have a you know, we had a financial

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Speaker 2: planner and she was really useful to us, especially this

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Speaker 2: last year. She was a feeling planner, and we would

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Speaker 2: pay her a monthly fee for her services, and then

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Speaker 2: she would she would come sometimes visit New York to

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Speaker 2: meet us in person, and she would just offer a

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Speaker 2: lot of advice and help us everything from comparing you know,

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Speaker 2: life insurance plans to when we got married, looking at

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Speaker 2: our health insurance plans and you know, recommending which one

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Speaker 2: to go with, and like really helpful and and anyway,

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Speaker 2: so we've had a we had a great year and

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Speaker 2: it's been really helpful, you know, having this this this planner.

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Speaker 2: But it's like now it's getting to a point.

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Speaker 3: Where we have we have our.

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Speaker 2: Goals, and we have money in the bank. But she's like,

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Speaker 2: you have way too much in cash. And I feel

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Speaker 2: like we're becoming that millennial prophecy or like the millennial

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Speaker 2: stereotype of like we keep too much in our savings

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Speaker 2: because we're afraid of investing. I'm afraid of investing, but

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Speaker 2: just like we're hesitant to start investing with our with

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Speaker 2: our savings, our cash money. You know a note both

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Speaker 2: of us max out our four to one K is

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Speaker 2: like we have no problem doing that. But other than that,

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Speaker 2: it's always been we're sort of like squirling and hoarding.

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Speaker 2: And I say we but really it's me. Yeah, I'm

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Speaker 2: sort of like nurturing this little that's like, yeah.

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Speaker 3: Little like.

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Speaker 1: My fresh it's a white, fluffy cat.

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Speaker 3: And I'm like, what do you mean there's too much?

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Speaker 1: Yes, oh my god, that must be the millennial like

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Speaker 1: because I'm like, I'm generation is an X, right, is

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Speaker 1: that what it is? Right before millennial? Yes, But I'm

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Speaker 1: like on the I'm like I said generation yes, but

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Speaker 1: I'm like a super like I'm on the young side

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Speaker 1: of Generation X and that so I have a lot

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Speaker 1: of millennial tendencies and that is so me. I've got

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Speaker 1: a little stockpile for when the wear from the one

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Speaker 1: the war comes, right, I'm ready, you know, I have

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Speaker 1: so much cash sitting My financial advisor just looked at

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Speaker 1: me like, Tiffany, what are you doing. I'm like, I

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Speaker 1: don't know because I am afraid to invest. I'm not

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Speaker 1: gonna lie. I do. I have my I have my

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Speaker 1: you know, my my retirement fund set up, so the superman.

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Speaker 1: But there there is a part of me that it's

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Speaker 1: really afraid to like not see the stockpile, you know,

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Speaker 1: like no, no, because when the war comes and if

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Speaker 1: recession hits, I'm ready. You know, I got my gold

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Speaker 1: bars underneath the bed. So no, I totally feel you.

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Speaker 2: One of the things that she she gave us a plan,

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Speaker 2: an action plan, because she gave us an action plan

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Speaker 2: last month, and I've been really like procrastinating and actually

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Speaker 2: doing it. But it's actually a plan on how much.

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Speaker 2: So a lot of we've gotten this question before.

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Speaker 3: You know, after your four oh one.

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Speaker 2: K, what are you supposed to do with everything else

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Speaker 2: that you earn over your lifetime? And you know you're

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Speaker 2: blessed to earn money beyond that point, but like, what

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Speaker 2: are you supposed to do with it? How is the

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Speaker 2: best way to invest? And she's sort of had I mean,

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Speaker 2: everyone's situation is different, but she started off by asking

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Speaker 2: us our goals, which is one we want to we

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Speaker 2: want to save a down payment for a house. I

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Speaker 2: guess in my mind, I've just been stockpiling, stockpiling, stockpiling.

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Speaker 2: I live in New York City, so I'm like, oh,

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Speaker 2: I don't know how much it's going to be enough

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Speaker 2: for house a million dollars. I guess I'll never stop saving.

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Speaker 3: But that's not actually true. She you know, crunched the numbers.

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Speaker 3: We actually, you know, for our budget.

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Speaker 2: We decided how much we actually needed to save for

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Speaker 2: a down payment realistically, and then how much we have

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Speaker 2: left over when we're going to want to use that

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Speaker 2: down payment money, how much we actually want to budget

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Speaker 2: for our annual vacationing and those larger expenses that we

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Speaker 2: spent throughout the year.

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Speaker 3: That was pretty much our only big or two big

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Speaker 3: earmarks for savings.

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Speaker 2: One for the retire sorry, one for a down payment

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Speaker 2: on a house, and two for annual vacations and trips

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Speaker 2: because we have, you know, vacations and also like seventy

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Speaker 2: five weddings to go.

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Speaker 3: To a year.

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Speaker 2: Now, outside of that, she's like, you really don't end

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Speaker 2: your emergency fund, of course, which is you know, we

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Speaker 2: have about six months of income, she suggests a six months.

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Speaker 3: I like to keep twelve.

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Speaker 2: But we're going back and forth on that maybe we'll

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Speaker 2: settle on nine after that. So one is obviously emergency fund,

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Speaker 2: two the down payment for the house, three the vacations.

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Speaker 2: So once you have that set aside, she's like, now

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Speaker 2: with this extra money. And in my mind, I hadn't

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Speaker 2: been letting myself spee it as extra. I'd sort of been,

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Speaker 2: like I said, just tricking or like telling myself that

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Speaker 2: I needed to save all this money for the down

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Speaker 2: payment when I don't really need to. And she's like, Okay,

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Speaker 2: we're gonna start by create investing in some CBS, which

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Speaker 2: is like a baby step above sea.

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Speaker 1: Yeah, and that's what See he told me that to Frank. Okay,

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Speaker 1: I'm listening it. I'm like, oh, Frank said that, Okay, okay.

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Speaker 3: So CDs for you guys. So CDs was a CD

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Speaker 3: was the.

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Speaker 2: Thing that my grandma bought me when I was born.

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Speaker 2: And it's like a certificate and I literally got like

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Speaker 2: this pink certificate check like thing when I turned eighteen.

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Speaker 2: And I don't even know where that thing ended up,

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Speaker 2: I think, But anyway, a certificate of deposit is just

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Speaker 2: it's basically a savings account with some more rules and

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Speaker 2: it has slightly higher rates than what you'll get on

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Speaker 2: a savings account, a regular old savings account today.

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Speaker 3: And the longer you keep your money.

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Speaker 2: In a CD they sell three month CDs, six months CDs,

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Speaker 2: nine month, twelve month, five years, on and on, and

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Speaker 2: the longer you keep your money in, the higher your

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Speaker 2: rate can be. The caveat is that that time limit

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Speaker 2: is if you take the money out before that time

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Speaker 2: limit three months, six month, twelve month, you'll pay a

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Speaker 2: penalty for withdrawing the funds. So it really has to

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Speaker 2: be money that you're not going to use anytime soon

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Speaker 2: or anytime within that window. And of course the higher

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Speaker 2: the longer you put the money away for the higher

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Speaker 2: your reward. So she suggested, you know, putting a small

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Speaker 2: chunk into a five year CD, putting a little bit

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Speaker 2: of a larger chunk into like a I think a

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Speaker 2: three year CD, and then putting an even larger chunk

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Speaker 2: into a one year CD and letting the money grow there.

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Speaker 2: And then from there she suggested opening up one both

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Speaker 2: of us opening up an i RA outside of our

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Speaker 2: four one K investments, and under I r S rules

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Speaker 2: were both allowed to contribute what is it, fifty five

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Speaker 2: hundred into an IRA oh really.

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Speaker 1: Even after you've maxed that, Even if you've maxed that,

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Speaker 1: your your four one K.

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Speaker 2: Yeah, this is outside of your employer contribution, your four

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Speaker 2: one k. This is your personal individual retirement account.

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Speaker 1: Okay.

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Speaker 2: And and you know, I actually already have one because

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Speaker 2: I had like a rollover iray from before through Vanguard.

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Speaker 2: That's kind of just sitting there and I can contribute,

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Speaker 2: I can can keep I can just contribute fifty five

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Speaker 2: hundred dollars to that for the year. And then my

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Speaker 2: husband he doesn't have one yet, so opening up him

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Speaker 2: and IRA and I know the next question people are

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Speaker 2: wonding is like, well, where do you open an IRA at?

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Speaker 2: But you can do it at Vanguard. We can get

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Speaker 2: a betterment account if we wanted to do TD and

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Speaker 2: error trade. Charles Schwab. There's a bunch of discount they

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Speaker 2: call them discount.

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Speaker 3: Brokerages or whatever.

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Speaker 2: That are out there, and they typically have like a

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Speaker 2: minimum deposit, you know, requirement of like I don't know,

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Speaker 2: five hundred bucks to one thousand bucks. And anyway, that

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Speaker 2: was the next step is opening up those roth iras

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Speaker 2: and putting money in there.

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Speaker 1: So she she a financial advisor that she's advising and

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Speaker 1: she's going to do this, or she's like a plane,

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Speaker 1: she's not.

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Speaker 2: Doing it, she's toe that's the That's why I'm from

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Speaker 2: procrastinating because I have to actually do it anyway. So

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Speaker 2: and I had her, you know, send the email with

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Speaker 2: the whole plan. And there's other things too, like of

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Speaker 2: course maxing out the four one Okay, here's here's the

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Speaker 2: thing that I've learned about. So I've been you know,

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Speaker 2: I've been talking about personal finance for so long. You

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Speaker 2: know how you hear those like rules of thumb and

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Speaker 2: you just like repeat them and then you're like, oh,

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Speaker 2: that's always been the way it is. You know, whether

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Speaker 2: it's saved six months retire or save six months emergency

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Speaker 2: fund or save ten percent for retirement. I always hear

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Speaker 2: this rule every year at the end of the year.

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Speaker 2: There's all these articles that come out saying end of

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Speaker 2: year text or end of your financial planning advice.

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Speaker 3: And the first thing is.

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Speaker 2: Usually max out your four one K if you have

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Speaker 2: additional funds or you get a bonus or whatever. And

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Speaker 2: our planner says, you know, your income has increased throughout

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Speaker 2: the year, you haven't been contributing, You're not going to

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Speaker 2: max out your four to one case, you've got to

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Speaker 2: boost your contributions to your four to one K to

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Speaker 2: make sure you max it out before the end of

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Speaker 2: the year. Now it's easier said than done, is what

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Speaker 2: I've realized. Like, it's not like your four to one

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Speaker 2: K through your employer tells you when you've maxed out

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Speaker 2: your account. You have to actually do the math and

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Speaker 2: be like, I mean, some of them might do that,

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Speaker 2: but mine doesn't. You have to actually say, Okay, well,

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Speaker 2: i have year. What month is it October? I've got

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Speaker 2: three months more in the year.

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Speaker 3: I've got six pay periods, so I've got to figure.

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Speaker 2: Out how much how much more I have to get

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Speaker 2: to my limit, which is eighteen thy five hundred that's

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Speaker 2: how much anyone who has a four to one K

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Speaker 2: can contribute for the year, the tax year. How much

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Speaker 2: I can contribute to hit that mark, and then divide

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Speaker 2: it by the six pay periods and then go into

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Speaker 2: my retirement planner, my direct deposit, you know, back end

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Speaker 2: stuff on my employee website and change my contributions and

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Speaker 2: then you have to really watch it because if you

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Speaker 2: go over then you can get penalized work by the IRS.

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Speaker 2: So it's like trickier and more complex. Then it's just

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Speaker 2: one of those rules that I always hear about. And

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Speaker 2: so I'm actually doing the thing that I feel like

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Speaker 2: people have been asking, you know, what do you do

435
00:20:54,800 --> 00:20:57,560
Speaker 2: when you've like, you got your retirement kind of covered,

436
00:20:57,600 --> 00:20:59,080
Speaker 2: you played at your debt, and like, now what to

437
00:20:59,119 --> 00:21:01,600
Speaker 2: do with the money. And That's That's what I'm doing.

438
00:21:01,800 --> 00:21:03,840
Speaker 2: It's what I should be doing. Anyway, I'm gonna do it.

439
00:21:03,880 --> 00:21:06,840
Speaker 2: I'm gonna do it. It's done, it's done, it's done.

440
00:21:06,400 --> 00:21:10,439
Speaker 2: I did do the increase your four win K and contributions.

441
00:21:10,440 --> 00:21:12,160
Speaker 2: What a racket, though, I'm like, why do I feel

442
00:21:12,160 --> 00:21:14,159
Speaker 2: like I'm still broke because I'm putting like half my

443
00:21:14,200 --> 00:21:15,160
Speaker 2: paycheck away? Yeah?

444
00:21:15,440 --> 00:21:17,639
Speaker 1: Yeah, I remember those days where I used to be like,

445
00:21:17,840 --> 00:21:19,320
Speaker 1: but then you try to tell yourself, well, you're not

446
00:21:19,359 --> 00:21:21,560
Speaker 1: really broke, You're like what, I feel like I'm broke?

447
00:21:21,800 --> 00:21:23,800
Speaker 3: Yeah, it's fine, We're doing fine.

448
00:21:23,840 --> 00:21:25,480
Speaker 2: But it does feel kind of like, well, what do

449
00:21:25,520 --> 00:21:27,960
Speaker 2: you mean I have to I can't, I can't have it.

450
00:21:29,080 --> 00:21:30,879
Speaker 3: But yeah, we've rune max of the four one k

451
00:21:30,960 --> 00:21:31,320
Speaker 3: for the year.

452
00:21:31,320 --> 00:21:33,399
Speaker 2: I'm going to open the CDs. I think I've picked

453
00:21:34,920 --> 00:21:37,160
Speaker 2: I think I've picked I mean, honestly, with CDs, it's

454
00:21:37,200 --> 00:21:39,280
Speaker 2: really just like pick the ones that give you the

455
00:21:39,359 --> 00:21:41,960
Speaker 2: highest rates. So there's a great website called the Positi

456
00:21:41,960 --> 00:21:44,240
Speaker 2: Accounts dot Com. It's really nerdy, but if you're looking

457
00:21:44,359 --> 00:21:47,080
Speaker 2: to just really compare CD rates to posit Accounts dot Com,

458
00:21:47,119 --> 00:21:50,160
Speaker 2: you can't go wrong. They're actually our sister site under

459
00:21:50,240 --> 00:21:53,240
Speaker 2: lending Tree, and they are like they have I mean,

460
00:21:53,320 --> 00:21:55,240
Speaker 2: I just got briefed on like the technology that they

461
00:21:55,320 --> 00:21:58,040
Speaker 2: use to scrape banks for their rates, and they will

462
00:21:58,040 --> 00:22:02,440
Speaker 2: find rates everywhere. So that's where I'm like comparing rates.

463
00:22:02,480 --> 00:22:05,639
Speaker 2: And ally Bank has a no penalty CD. Those do

464
00:22:05,800 --> 00:22:08,560
Speaker 2: exist where okay, you put it away and you actually

465
00:22:08,560 --> 00:22:11,080
Speaker 2: won't get penalized if you take it out. They have

466
00:22:11,119 --> 00:22:13,560
Speaker 2: a no penalty I think eleven month CD, which isn't bad.

467
00:22:13,600 --> 00:22:17,600
Speaker 2: And there's there's other ones that I'm kind of looking at.

468
00:22:17,600 --> 00:22:19,040
Speaker 3: I think I might. I might.

469
00:22:19,080 --> 00:22:20,679
Speaker 2: I don't know if I'm gonna do all my cvs

470
00:22:20,680 --> 00:22:22,560
Speaker 2: in one place or not. It kind of depends on

471
00:22:22,880 --> 00:22:26,320
Speaker 2: I'm not sure how how much I can tolerate managing

472
00:22:26,840 --> 00:22:28,760
Speaker 2: accounts at like a bunch of different banks right now,

473
00:22:28,800 --> 00:22:31,840
Speaker 2: which seems like a lot of work. But anyway, I'm

474
00:22:31,840 --> 00:22:33,720
Speaker 2: gonna try, and I'm gonna I'm gonna do what she says.

475
00:22:34,600 --> 00:22:35,480
Speaker 3: I'm cramp it up.

476
00:22:35,560 --> 00:22:38,520
Speaker 2: I'm gonna I'm going I'll feel better because honestly, it's right,

477
00:22:38,560 --> 00:22:40,439
Speaker 2: it's logical. Like the money you have sitting in your

478
00:22:40,480 --> 00:22:43,320
Speaker 2: savings account, even if it's earning the maximum right now, it's.

479
00:22:43,200 --> 00:22:47,679
Speaker 1: Still losing because inflation is eating up anything that you

480
00:22:47,760 --> 00:22:50,800
Speaker 1: might be earning. Yeah, so I know, and you know

481
00:22:50,840 --> 00:22:53,280
Speaker 1: how you know that, I mean, I know that. And

482
00:22:53,359 --> 00:22:57,520
Speaker 1: for those of you, like what's inflation, Inflation is that

483
00:22:57,720 --> 00:23:00,720
Speaker 1: the cost of money lowers each years, Like so thanks

484
00:23:00,720 --> 00:23:02,640
Speaker 1: for yourself. Like when you used to get a bag

485
00:23:02,680 --> 00:23:05,000
Speaker 1: of chips when you were a kid, and maybe those

486
00:23:05,080 --> 00:23:06,800
Speaker 1: chips cost twenty five cents, and by the time you're

487
00:23:06,800 --> 00:23:10,480
Speaker 1: an adult, those same chips your money can do less.

488
00:23:10,600 --> 00:23:13,560
Speaker 1: Those same chips cost fifty cents, And so inflation means

489
00:23:13,640 --> 00:23:17,280
Speaker 1: over time your money can do less. Basically, so the

490
00:23:17,320 --> 00:23:20,639
Speaker 1: same thing costs more and more money. And so that

491
00:23:20,760 --> 00:23:23,879
Speaker 1: means if you are saving and your money is growing

492
00:23:23,920 --> 00:23:27,639
Speaker 1: at one percent, but inflation, so your money is growing,

493
00:23:27,680 --> 00:23:30,760
Speaker 1: but inflation is actually lowering your money's buying power by

494
00:23:30,840 --> 00:23:34,679
Speaker 1: three percent, you're actually gaining one but losing three, so

495
00:23:34,720 --> 00:23:37,119
Speaker 1: you're losing two. So if you do the math, so

496
00:23:37,200 --> 00:23:41,840
Speaker 1: hopefully that explains it. So my brown boost break is

497
00:23:41,880 --> 00:23:46,119
Speaker 1: going to be a break. I had something else, like

498
00:23:46,160 --> 00:23:48,640
Speaker 1: something about the house just because I'm so over this process,

499
00:23:48,680 --> 00:23:50,600
Speaker 1: but whatever, Hopefully by next time we speak, I'll be

500
00:23:51,280 --> 00:23:53,520
Speaker 1: in the house. But I was just like whatever, So

501
00:23:53,800 --> 00:23:57,159
Speaker 1: instead I'm gonna brown boost from because it's happened. A

502
00:23:57,200 --> 00:23:59,720
Speaker 1: couple of clients have reached out to me to work

503
00:23:59,760 --> 00:24:02,560
Speaker 1: with me and then totally trying to undercut and I'm like,

504
00:24:03,840 --> 00:24:07,199
Speaker 1: I'm not like what, and so it's just I just

505
00:24:07,280 --> 00:24:10,560
Speaker 1: saw I just saw this like thing scroll across my timeline.

506
00:24:10,560 --> 00:24:13,560
Speaker 1: I said, the hookup is a drain on black entrepreneurs.

507
00:24:13,840 --> 00:24:16,680
Speaker 1: Charge folks and they will respect you more. And so

508
00:24:16,840 --> 00:24:18,840
Speaker 1: this is not necessarily the hookup because you know these

509
00:24:18,840 --> 00:24:21,639
Speaker 1: are like bigger companies whatever. But I just don't like

510
00:24:21,680 --> 00:24:25,639
Speaker 1: that because one, you know, I've worked really hard to

511
00:24:25,680 --> 00:24:28,120
Speaker 1: bring like clear value to the table. I could see

512
00:24:28,119 --> 00:24:30,720
Speaker 1: like when I was first starting out, and I was like, well,

513
00:24:30,800 --> 00:24:34,960
Speaker 1: you know it's a long shot. No, I want I

514
00:24:35,080 --> 00:24:37,800
Speaker 1: over deliver, and I when I'm showing the numbers, I'm

515
00:24:37,800 --> 00:24:40,720
Speaker 1: always conservative, and even then it always exceeds like what

516
00:24:40,920 --> 00:24:43,119
Speaker 1: clients are typically looking for, and they'll admit that like

517
00:24:43,359 --> 00:24:46,119
Speaker 1: ooh yes, girl, that's way more than we thought. And

518
00:24:46,160 --> 00:24:49,760
Speaker 1: that's still I will still undershoot because I'd rather overdeliver.

519
00:24:50,240 --> 00:24:51,720
Speaker 1: And then when you tell them a number which is

520
00:24:51,720 --> 00:24:56,200
Speaker 1: more than reasonable, more like like it's the industry standard

521
00:24:56,240 --> 00:24:58,040
Speaker 1: because I've you know, asked around and I know this

522
00:24:58,080 --> 00:25:00,399
Speaker 1: is what colleagues are getting or whatever. So I love

523
00:25:00,440 --> 00:25:02,760
Speaker 1: that we have our own like financial groups online because

524
00:25:02,760 --> 00:25:05,520
Speaker 1: people will ask and I'll know and then they're like,

525
00:25:05,560 --> 00:25:07,640
Speaker 1: oh no half that I'm like, are you kidding me?

526
00:25:08,320 --> 00:25:10,159
Speaker 1: And so that's happened a couple of times. But you

527
00:25:10,240 --> 00:25:14,320
Speaker 1: know what, this is what I realized that it's one

528
00:25:14,359 --> 00:25:17,720
Speaker 1: of the reasons why I'm so glad that my business

529
00:25:17,800 --> 00:25:23,040
Speaker 1: model is not I want to say my mom, maybe

530
00:25:23,280 --> 00:25:27,680
Speaker 1: twenty five percent of my business model is working with clients,

531
00:25:27,720 --> 00:25:30,320
Speaker 1: meaning like companies or whatever want to work for. Everything

532
00:25:30,359 --> 00:25:33,520
Speaker 1: else for the most part is B two C, meaning

533
00:25:33,680 --> 00:25:38,199
Speaker 1: like directly to the customer. So when that happens, like

534
00:25:38,280 --> 00:25:40,560
Speaker 1: lately I've been walking away from it's not that the

535
00:25:40,640 --> 00:25:43,119
Speaker 1: number that they're giving me is not a lot of money.

536
00:25:44,000 --> 00:25:47,000
Speaker 1: Because it is relative to what I used to make before,

537
00:25:47,320 --> 00:25:51,520
Speaker 1: but it's not fair compensation for the ask, especially me

538
00:25:51,720 --> 00:25:53,880
Speaker 1: knowing what the industry number is and me even knowing

539
00:25:53,920 --> 00:25:57,439
Speaker 1: sometimes what you're paying other people. So that is my

540
00:25:57,560 --> 00:26:00,840
Speaker 1: roundbreak because it's honestly, it's frustrating because I'm like, really,

541
00:26:00,920 --> 00:26:03,960
Speaker 1: because that's fine what you pay such as such, even

542
00:26:04,000 --> 00:26:05,440
Speaker 1: though they probably not supposed to tell me, so I'm

543
00:26:05,440 --> 00:26:08,640
Speaker 1: like whatever, but still I'm still like or like what

544
00:26:08,920 --> 00:26:12,159
Speaker 1: you know, like I can deliver or I've delivered before,

545
00:26:12,920 --> 00:26:14,879
Speaker 1: and you're still trying to tell me like this. So

546
00:26:15,000 --> 00:26:18,320
Speaker 1: I've just been saying no, no, and I never said

547
00:26:18,320 --> 00:26:20,480
Speaker 1: no before because I'm like, oh, Tippy, that's still good money, girl.

548
00:26:20,480 --> 00:26:23,439
Speaker 1: But I'm like, you know what for twenty eighteen, one

549
00:26:23,480 --> 00:26:25,119
Speaker 1: of the things I really want to focus on because

550
00:26:25,800 --> 00:26:29,160
Speaker 1: I learned, like, even when before I started dating Superman,

551
00:26:29,280 --> 00:26:31,840
Speaker 1: I remember calling a friend of mine who was married

552
00:26:31,880 --> 00:26:34,159
Speaker 1: and she too was like an influencer and had her

553
00:26:34,160 --> 00:26:37,000
Speaker 1: own business, and she was she was she had just

554
00:26:37,040 --> 00:26:38,639
Speaker 1: had a baby, and I was calling her and I

555
00:26:38,680 --> 00:26:40,919
Speaker 1: was like, I'm tired of being by myself and she

556
00:26:41,000 --> 00:26:43,760
Speaker 1: was like, well, do you make a relationship a priority?

557
00:26:44,520 --> 00:26:45,919
Speaker 1: And I was like, what do you mean. She's like, Tiffany,

558
00:26:45,960 --> 00:26:47,680
Speaker 1: I know you go hard for your business, but are

559
00:26:47,680 --> 00:26:50,440
Speaker 1: you going hard for your love life? And I was like, well, girl,

560
00:26:50,560 --> 00:26:52,439
Speaker 1: I mean I look cute when I go out. She's like,

561
00:26:52,480 --> 00:26:55,679
Speaker 1: do you go out? I'm like, I mean no, I

562
00:26:55,720 --> 00:26:58,120
Speaker 1: did not go out. She's like, so unless you're dating

563
00:26:58,160 --> 00:27:00,800
Speaker 1: a ups guy, which there's no harm in that, Like,

564
00:27:00,880 --> 00:27:02,600
Speaker 1: where are you going to find this magic person? You

565
00:27:02,680 --> 00:27:04,800
Speaker 1: have to make the thing that you want a priority,

566
00:27:04,920 --> 00:27:06,760
Speaker 1: just like you make your business a priority. And so

567
00:27:06,840 --> 00:27:09,919
Speaker 1: I did, and voilat Superman. We's bury Now. So all

568
00:27:10,000 --> 00:27:12,760
Speaker 1: y'all know that I want a little bambino or Bambina,

569
00:27:13,320 --> 00:27:17,320
Speaker 1: And so for twenty eighteen, I told myself that I'm

570
00:27:17,320 --> 00:27:20,120
Speaker 1: going to make that a priority. And so as a result,

571
00:27:20,400 --> 00:27:22,680
Speaker 1: I'm really learning to say no to things that are

572
00:27:22,720 --> 00:27:25,960
Speaker 1: not in alignment. Well one I've said I say no

573
00:27:26,040 --> 00:27:28,680
Speaker 1: to things that are not emotionally in alignment or not

574
00:27:28,800 --> 00:27:31,720
Speaker 1: alignment with my values. But now I'm learning to say

575
00:27:31,760 --> 00:27:35,240
Speaker 1: things like because I'm I have to make time for

576
00:27:36,200 --> 00:27:38,960
Speaker 1: like taking care of myself, relaxing so I can be,

577
00:27:39,440 --> 00:27:41,680
Speaker 1: you know, a vessel for a beautiful baby, a healthy

578
00:27:41,960 --> 00:27:45,600
Speaker 1: vessel for a beautiful baby. So I am not settling

579
00:27:45,640 --> 00:27:49,159
Speaker 1: myself short anymore because I'm like, why you know, And

580
00:27:49,200 --> 00:27:51,120
Speaker 1: so it's just bothered me because it's happened a couple

581
00:27:51,080 --> 00:27:53,240
Speaker 1: of times and I'm like, what the heck. So I'm

582
00:27:53,280 --> 00:27:55,560
Speaker 1: just like, no, girl, kick rocks and if they come back,

583
00:27:55,600 --> 00:27:58,119
Speaker 1: they do. If they don't. The good thing about like

584
00:27:58,160 --> 00:27:59,679
Speaker 1: I said, the way my company is set up is

585
00:27:59,720 --> 00:28:03,400
Speaker 1: most of my income comes from treating their dream catcher

586
00:28:03,400 --> 00:28:04,920
Speaker 1: as well. And as long as I do that, I'll

587
00:28:04,960 --> 00:28:08,320
Speaker 1: never be broke. So yeah, so it's just but it's

588
00:28:08,359 --> 00:28:09,480
Speaker 1: just and.

589
00:28:09,440 --> 00:28:12,760
Speaker 2: There's nothing with that either. Yeah, it's honestly the only

590
00:28:12,840 --> 00:28:15,520
Speaker 2: way to do. You just can't focus on everything one

591
00:28:15,560 --> 00:28:18,760
Speaker 2: hundred percent. And yeah, sometimes you gotta tip the scale

592
00:28:18,800 --> 00:28:19,960
Speaker 2: in a different direction.

593
00:28:20,520 --> 00:28:22,879
Speaker 1: Exactly, and so yeah, that's it. I mean, like, so

594
00:28:23,160 --> 00:28:25,760
Speaker 1: it's just so good. So that's why I even like now,

595
00:28:25,840 --> 00:28:28,800
Speaker 1: I always think to myself when I'm working with other vendors,

596
00:28:29,359 --> 00:28:31,119
Speaker 1: like in the beginning, when I was like broke, I

597
00:28:31,200 --> 00:28:33,600
Speaker 1: used to really like negotiate hard, and I really try

598
00:28:33,880 --> 00:28:35,560
Speaker 1: like not to unless I really think the vendor is

599
00:28:35,600 --> 00:28:37,560
Speaker 1: like bugget, I'm like, girl, that's not what it goes

600
00:28:37,600 --> 00:28:40,520
Speaker 1: for because I you know, I know what it's like

601
00:28:40,560 --> 00:28:43,720
Speaker 1: to be the company. You know, so that you're like

602
00:28:44,200 --> 00:28:46,480
Speaker 1: wanting to pay. So either I am willing to pay

603
00:28:46,480 --> 00:28:49,120
Speaker 1: the vendor or I'm not. So like, unless the vendor

604
00:28:49,200 --> 00:28:51,320
Speaker 1: is literally asking for something ridiculous. You're like a flyer

605
00:28:51,320 --> 00:28:54,160
Speaker 1: doesn't go for three thousand dollars girl, right, But unless

606
00:28:54,160 --> 00:28:56,360
Speaker 1: it's something crazy, then either I pay the vendor. I

607
00:28:56,400 --> 00:28:59,400
Speaker 1: don't because I think it's wrong to try to like

608
00:29:00,200 --> 00:29:13,600
Speaker 1: undercut people. You know. That's my brown break. Now it's

609
00:29:13,600 --> 00:29:18,960
Speaker 1: time for all your questions from the brown brown break,

610
00:29:19,240 --> 00:29:21,520
Speaker 1: I mean brown ambition inbox. That didn't go smoothly as

611
00:29:21,520 --> 00:29:24,760
Speaker 1: I was holding you know what I was, claud you

612
00:29:24,760 --> 00:29:27,280
Speaker 1: had good weeks before I did. I'm like, y'all just

613
00:29:27,280 --> 00:29:29,000
Speaker 1: gonna have to give you that one.

614
00:29:29,040 --> 00:29:32,600
Speaker 2: You're a little stumble Honestly, I leave all the segways

615
00:29:32,680 --> 00:29:34,400
Speaker 2: up to you. I really should chip in every once

616
00:29:34,400 --> 00:29:34,920
Speaker 2: in a while.

617
00:29:36,840 --> 00:29:41,760
Speaker 3: Bab it's like, oh, that love it, that she enjoys it?

618
00:29:43,120 --> 00:29:45,320
Speaker 1: All right? What's the some question, y'all? I love our questions.

619
00:29:45,360 --> 00:29:47,080
Speaker 1: We always get good ones. Oh where if you can

620
00:29:47,120 --> 00:29:49,280
Speaker 1: send questions to? Where again you can send them to?

621
00:29:49,480 --> 00:29:52,240
Speaker 2: You can go to Brown Ambition Podcast dot com dot

622
00:29:52,280 --> 00:29:55,200
Speaker 2: com and click on ask us anything, or you can

623
00:29:55,320 --> 00:29:57,080
Speaker 2: just go right to the source and send us an

624
00:29:57,120 --> 00:30:02,560
Speaker 2: email at Brianambition Podcast at gmail dot com. Come all right,

625
00:30:02,640 --> 00:30:05,400
Speaker 2: So we have a question from someone with an awesome name.

626
00:30:05,520 --> 00:30:09,040
Speaker 2: Her name is Tyranny. It's Tiffany but without instead of

627
00:30:09,200 --> 00:30:10,360
Speaker 2: FS it's ours.

628
00:30:10,800 --> 00:30:14,000
Speaker 1: But no, Tyranny just found so powerful like Tyranny.

629
00:30:14,240 --> 00:30:18,000
Speaker 2: So Tyranny actually has a question about investing. She say,

630
00:30:18,280 --> 00:30:20,240
Speaker 2: I enjoy your podcast and I feel like I have

631
00:30:20,280 --> 00:30:22,560
Speaker 2: girlfriends in my car while commuting to work and back home.

632
00:30:22,600 --> 00:30:23,520
Speaker 3: Hey girl.

633
00:30:25,400 --> 00:30:27,680
Speaker 2: Says, thanks for providing. Okay, I'm not going to read

634
00:30:27,680 --> 00:30:31,720
Speaker 2: all the praise, but it's nice. Thank you Tyranny. Onto

635
00:30:31,760 --> 00:30:34,440
Speaker 2: my question. I recently downloaded and signed up for the

636
00:30:34,480 --> 00:30:38,040
Speaker 2: Acorns investment app. It's been about four months since the

637
00:30:38,080 --> 00:30:41,040
Speaker 2: app has been investing my spare change. The app is

638
00:30:41,080 --> 00:30:43,600
Speaker 2: taking twenty dollars a month from my account in addition

639
00:30:43,640 --> 00:30:46,280
Speaker 2: to using my spare change to invest. Do you have

640
00:30:46,360 --> 00:30:49,280
Speaker 2: any advice on how to grow this account faster? How

641
00:30:49,280 --> 00:30:51,200
Speaker 2: do I get the greatest return on my investment?

642
00:30:51,320 --> 00:30:51,480
Speaker 1: Oh?

643
00:30:51,640 --> 00:30:57,080
Speaker 2: Hello, husband calling during this show. Do you have any

644
00:30:57,120 --> 00:30:59,160
Speaker 2: advice on how to grow this account faster? How do

645
00:30:59,240 --> 00:31:01,080
Speaker 2: I get the greatest retch turn on my investment? And

646
00:31:01,240 --> 00:31:03,040
Speaker 2: is this app really worth it?

647
00:31:03,160 --> 00:31:03,480
Speaker 3: Thanks?

648
00:31:03,520 --> 00:31:05,480
Speaker 1: So I actually have the Acorns app?

649
00:31:05,520 --> 00:31:05,720
Speaker 2: Have you?

650
00:31:05,760 --> 00:31:06,840
Speaker 1: Do you have the Acorns app?

651
00:31:07,080 --> 00:31:07,360
Speaker 3: Mandy?

652
00:31:07,520 --> 00:31:09,560
Speaker 2: I started an account, but then I ignored it, like

653
00:31:09,600 --> 00:31:11,440
Speaker 2: I said, I have issues, But.

654
00:31:11,520 --> 00:31:13,520
Speaker 3: I remember you talked about this before. You've had an

655
00:31:13,560 --> 00:31:14,520
Speaker 3: account for a while.

656
00:31:14,360 --> 00:31:16,640
Speaker 1: Right, yeah, And let me tell you, I'm the worst

657
00:31:16,680 --> 00:31:18,640
Speaker 1: because I put my money in cash and I meant

658
00:31:18,680 --> 00:31:21,240
Speaker 1: to invest it, and why a year and a half later,

659
00:31:21,280 --> 00:31:25,200
Speaker 1: it's Mandy, I forgot because I guess I must have

660
00:31:25,240 --> 00:31:27,280
Speaker 1: transfer two hundred dollars and I said, okay, I'm gonna

661
00:31:27,400 --> 00:31:30,720
Speaker 1: this will be play money that I will invest. And

662
00:31:30,760 --> 00:31:35,320
Speaker 1: then I didn't until I don't know somebody. I guess somebody.

663
00:31:35,320 --> 00:31:37,400
Speaker 1: I must have had a link somewhere someone signed up

664
00:31:37,840 --> 00:31:39,760
Speaker 1: under like my link and it sent me like a

665
00:31:39,760 --> 00:31:43,240
Speaker 1: little notification like hey, your friend Mandy signed up with

666
00:31:43,280 --> 00:31:44,960
Speaker 1: your link, and I'm like, what is this? So I

667
00:31:45,000 --> 00:31:47,440
Speaker 1: click on it and it's because right now they're giving

668
00:31:47,440 --> 00:31:49,720
Speaker 1: away free stock. So if someone sends signs up under

669
00:31:49,720 --> 00:31:51,400
Speaker 1: your link, they'll give you free stock, so they like

670
00:31:51,400 --> 00:31:53,840
Speaker 1: pick your stock, And I was like what and it

671
00:31:53,920 --> 00:31:56,959
Speaker 1: was like, I'm like, what's this two hundred dollars I

672
00:31:57,040 --> 00:32:02,120
Speaker 1: never invested in? Well, it's there, so I'm not even

673
00:32:02,120 --> 00:32:05,320
Speaker 1: gonna lie I have it, although I cannot tell you

674
00:32:05,920 --> 00:32:09,560
Speaker 1: if I mean I have gained money only because from

675
00:32:09,600 --> 00:32:12,479
Speaker 1: just basic like I guess, I don't know, like interest,

676
00:32:12,600 --> 00:32:14,560
Speaker 1: but and then like that little stock is going up

677
00:32:14,600 --> 00:32:18,240
Speaker 1: like two percent or something like that. But from what

678
00:32:18,400 --> 00:32:20,200
Speaker 1: I think, and I told myself I was going to

679
00:32:20,240 --> 00:32:23,320
Speaker 1: do this with the two hundred, I believe you can.

680
00:32:23,600 --> 00:32:25,959
Speaker 1: I don't know if you have to. If you have

681
00:32:26,040 --> 00:32:28,440
Speaker 1: to pick your stocks. I think you can increase how

682
00:32:28,520 --> 00:32:31,920
Speaker 1: much money that you put in, and I believe you can.

683
00:32:32,120 --> 00:32:35,480
Speaker 1: And you can kind of like fix your investment portfolio

684
00:32:35,600 --> 00:32:39,520
Speaker 1: to be more aggressive. You can try that, don't You have.

685
00:32:39,480 --> 00:32:41,080
Speaker 2: To do a quiz and then it kind of gives

686
00:32:41,080 --> 00:32:44,320
Speaker 2: you a portfolio according to your tolerance for risk. And

687
00:32:44,360 --> 00:32:47,280
Speaker 2: if you yeah, Cross is too afraid to really take risks,

688
00:32:47,280 --> 00:32:49,400
Speaker 2: and it's not going to put your money in as

689
00:32:49,480 --> 00:32:50,959
Speaker 2: much in the market, it's not going to put as

690
00:32:51,000 --> 00:32:54,040
Speaker 2: much in stocks, and then you may see limited returns

691
00:32:54,320 --> 00:32:56,360
Speaker 2: because of that. So that could be the problem. Maybe

692
00:32:56,400 --> 00:32:59,719
Speaker 2: you should maybe you should. You can readjust how you're

693
00:33:00,040 --> 00:33:02,320
Speaker 2: allocating your assets. So with acorns, they don't give you

694
00:33:02,760 --> 00:33:04,960
Speaker 2: as long as I as long as I understand acorns,

695
00:33:04,960 --> 00:33:08,080
Speaker 2: they don't give you so much control over like like

696
00:33:08,160 --> 00:33:10,640
Speaker 2: picking your your investments, which is a good part, Like

697
00:33:10,680 --> 00:33:13,200
Speaker 2: you shouldn't. That's why people like it because they don't

698
00:33:13,200 --> 00:33:15,240
Speaker 2: have to do so much work. But you could take

699
00:33:15,280 --> 00:33:18,760
Speaker 2: the quiz again and give yourself like try and be

700
00:33:18,760 --> 00:33:21,120
Speaker 2: a little brave when you make when you answer those questions,

701
00:33:21,160 --> 00:33:24,120
Speaker 2: because the more you can show them that you're tolerant

702
00:33:24,280 --> 00:33:27,120
Speaker 2: to taking risks and that you want big rewards, they

703
00:33:27,120 --> 00:33:30,000
Speaker 2: will put your money into investments that have the potential

704
00:33:30,600 --> 00:33:33,920
Speaker 2: to get higher rewards. And on the downside, you may

705
00:33:33,920 --> 00:33:35,800
Speaker 2: see your money dip every once in a while because

706
00:33:35,840 --> 00:33:39,000
Speaker 2: the market can be more volatile. It's a stock market,

707
00:33:39,040 --> 00:33:41,880
Speaker 2: you know, one company, like someone finds a piece of

708
00:33:41,880 --> 00:33:44,120
Speaker 2: glass and a Starbucks cup in the stock falls, like

709
00:33:44,320 --> 00:33:47,000
Speaker 2: you know, that's just kind of how the cookie crumbles.

710
00:33:47,360 --> 00:33:49,560
Speaker 1: Oh, I just and I'm in here now because I said,

711
00:33:49,560 --> 00:33:51,840
Speaker 1: you know what, why is it keeping in here? Okay,

712
00:33:51,960 --> 00:33:54,560
Speaker 1: So if you go to your investment profile, there's something

713
00:33:54,600 --> 00:33:58,080
Speaker 1: literally that says goal and I had goal preserve my savings.

714
00:33:58,400 --> 00:33:59,719
Speaker 1: So that's what they're like, well, girl, we just got

715
00:33:59,760 --> 00:34:01,840
Speaker 1: to keep here in this savings account. So I just

716
00:34:01,840 --> 00:34:04,640
Speaker 1: clicked on growth. It's literally just a button, and then

717
00:34:04,680 --> 00:34:08,000
Speaker 1: it says timeline, and then you can say it says experience,

718
00:34:08,120 --> 00:34:10,480
Speaker 1: like so I chose not much and so and then

719
00:34:10,560 --> 00:34:14,279
Speaker 1: ask you stuff like what's your risk tolerance and what's

720
00:34:14,280 --> 00:34:17,160
Speaker 1: your liquidity? Like how important is liquidity to you? Very important?

721
00:34:17,200 --> 00:34:20,239
Speaker 1: And liquidity is basically having cash on hand. So I've

722
00:34:20,280 --> 00:34:24,200
Speaker 1: now just chosen somewhat important. So now based upon that,

723
00:34:24,280 --> 00:34:27,640
Speaker 1: it'll it'll start to invest my two hundred dollars, like okay,

724
00:34:27,960 --> 00:34:30,120
Speaker 1: like grow some of my money, don't just keep it

725
00:34:30,120 --> 00:34:33,920
Speaker 1: in savings, Like I have a like a mid range

726
00:34:34,040 --> 00:34:37,840
Speaker 1: risk tolerance, and you know that my I'm like middle

727
00:34:37,840 --> 00:34:39,960
Speaker 1: of the road as far as keeping things liquid, meaning

728
00:34:40,000 --> 00:34:41,880
Speaker 1: like okay, I can have some cash at hand, but

729
00:34:41,920 --> 00:34:43,799
Speaker 1: I want you to invest most of it. So now

730
00:34:43,880 --> 00:34:45,839
Speaker 1: hopefully you know, we can check back in next week

731
00:34:45,840 --> 00:34:47,640
Speaker 1: and I can tell you how my how my two

732
00:34:47,680 --> 00:34:50,000
Speaker 1: hundred dollars that I've done nothing with this is now doing.

733
00:34:51,160 --> 00:34:52,280
Speaker 3: That's a pretty low balance.

734
00:34:52,320 --> 00:34:54,919
Speaker 2: And I also Acorns charge is one dollar a month

735
00:34:55,600 --> 00:34:57,719
Speaker 2: for their accounts I'm on there. I just want to

736
00:34:57,719 --> 00:34:59,720
Speaker 2: I wanted to double check because I know these companies

737
00:34:59,719 --> 00:35:01,880
Speaker 2: always change your fees, but they charge one dollar a

738
00:35:01,880 --> 00:35:04,680
Speaker 2: month if you have less than five thousand dollars saved up,

739
00:35:05,280 --> 00:35:07,200
Speaker 2: or you have a balance of less than five thousand

740
00:35:07,239 --> 00:35:09,080
Speaker 2: dollars in your account. And if she's only it's only

741
00:35:09,080 --> 00:35:11,360
Speaker 2: been four months and she's been putting twenty bucks in plush,

742
00:35:11,400 --> 00:35:13,359
Speaker 2: their change, she might have one hundred bucks in there

743
00:35:13,840 --> 00:35:15,759
Speaker 2: and she's paid them four dollars. I mean that's a

744
00:35:15,800 --> 00:35:19,520
Speaker 2: four percent investment fee. Yeah, paying which is you know,

745
00:35:19,960 --> 00:35:21,759
Speaker 2: on the one hand, you don't you can open up

746
00:35:21,760 --> 00:35:23,640
Speaker 2: account with a very small balance and they do a

747
00:35:23,680 --> 00:35:26,080
Speaker 2: lot of the work for you, but that's going to

748
00:35:26,120 --> 00:35:28,759
Speaker 2: be eating into your returns as well. To consider that,

749
00:35:29,480 --> 00:35:32,120
Speaker 2: so I would say, yeah, in addition to, like like

750
00:35:32,160 --> 00:35:35,480
Speaker 2: Tiffany said, changing your profile, changing your goals, trying to

751
00:35:35,680 --> 00:35:38,279
Speaker 2: whatever whatever you can do to get them or to

752
00:35:38,480 --> 00:35:42,759
Speaker 2: put your you know, money in a bit more risky investment,

753
00:35:43,160 --> 00:35:46,560
Speaker 2: not risky, but yeah, I mean I know you aggressive aggressive, Yeah,

754
00:35:46,560 --> 00:35:48,640
Speaker 2: aggressive investment.

755
00:35:48,719 --> 00:35:51,200
Speaker 3: That can help. Also just contributing.

756
00:35:50,680 --> 00:35:53,880
Speaker 2: More, you know, more money. Yeah, it's going to increase

757
00:35:53,920 --> 00:35:56,320
Speaker 2: your odds of you know, more money makes more money,

758
00:35:57,120 --> 00:35:57,399
Speaker 2: you know.

759
00:35:58,080 --> 00:35:59,480
Speaker 3: Ratcheting up your savings.

760
00:36:00,719 --> 00:36:03,840
Speaker 2: But I also feel like if you're only putting that

761
00:36:04,280 --> 00:36:07,680
Speaker 2: little in, just don't be so impatient, like just yeah,

762
00:36:08,040 --> 00:36:11,879
Speaker 2: you know, hopefully hopefully you're not using this to say

763
00:36:11,960 --> 00:36:14,239
Speaker 2: to like make to make you know a bunch of

764
00:36:14,239 --> 00:36:16,480
Speaker 2: money so you can turn around and buy a house

765
00:36:16,600 --> 00:36:18,040
Speaker 2: or something like that, because you're not going to get

766
00:36:18,040 --> 00:36:21,960
Speaker 2: there realistically, you know, at twenty bucks a month. I

767
00:36:21,960 --> 00:36:24,919
Speaker 2: think Acorns is good, Like Tiffany said, like with your

768
00:36:24,960 --> 00:36:26,880
Speaker 2: extra money that you you know, don't want to just

769
00:36:27,000 --> 00:36:29,520
Speaker 2: leave sitting in savings, but you don't really need it necessarily,

770
00:36:30,520 --> 00:36:32,640
Speaker 2: and you just want to, you know, be investing in

771
00:36:32,680 --> 00:36:35,240
Speaker 2: something a little bit more lucrative than a regular savings

772
00:36:35,239 --> 00:36:38,759
Speaker 2: if from on the side and agree where it fits in.

773
00:36:39,320 --> 00:36:41,440
Speaker 1: Okay, So yeah, I'm a check in Now I'm excited.

774
00:36:41,480 --> 00:36:43,680
Speaker 1: I'm like, oh, let's say this two hundred dollars smack.

775
00:36:43,680 --> 00:36:45,640
Speaker 1: I can't believe it's literally been like a year. But

776
00:36:45,680 --> 00:36:49,720
Speaker 1: I was like, wait, I've got money here.

777
00:36:50,640 --> 00:36:54,040
Speaker 2: Just lose just losing track of checks. What what a

778
00:36:54,080 --> 00:36:55,440
Speaker 2: wonderful life and must.

779
00:36:55,200 --> 00:36:57,960
Speaker 1: Be because you know what it is, because whenever dream

780
00:36:58,000 --> 00:37:01,600
Speaker 1: catchers ask me about about like, you know, like an

781
00:37:01,640 --> 00:37:04,399
Speaker 1: app or whatever. Well, one, I haven't endorsed Acorns because

782
00:37:04,440 --> 00:37:06,960
Speaker 1: I said, let me, let me use it, so I

783
00:37:07,040 --> 00:37:09,560
Speaker 1: signed up, but then clearly I did not do my

784
00:37:09,600 --> 00:37:12,120
Speaker 1: full due diligence. So I've never endorsed it because I

785
00:37:12,120 --> 00:37:14,600
Speaker 1: feel like if I, if I haven't done my full

786
00:37:14,680 --> 00:37:16,880
Speaker 1: due diligence, I don't feel comfortable saying hey, it's awesome

787
00:37:16,920 --> 00:37:19,319
Speaker 1: because I don't know, you know, And so I signed

788
00:37:19,400 --> 00:37:20,880
Speaker 1: up so that way at least I could vet it.

789
00:37:21,160 --> 00:37:23,239
Speaker 1: But then clearly I forgot because I have the memory

790
00:37:23,239 --> 00:37:28,280
Speaker 1: of a eighty year olds and so yeah.

791
00:37:26,560 --> 00:37:30,160
Speaker 2: It's only good if you actually will use it exactly.

792
00:37:30,440 --> 00:37:32,840
Speaker 1: So yeah, I can no law, I cannot. I cannot

793
00:37:32,840 --> 00:37:35,120
Speaker 1: say Achorns is awesome, We're terrible. I have clearly not

794
00:37:35,200 --> 00:37:35,480
Speaker 1: used it.

795
00:37:35,480 --> 00:37:40,680
Speaker 2: Well enough, all right, let's take one more questions one.

796
00:37:40,880 --> 00:37:43,239
Speaker 2: So first, she commented on we talked about that. I

797
00:37:43,239 --> 00:37:45,720
Speaker 2: talked about that tipping video last week that was posted

798
00:37:45,800 --> 00:37:49,239
Speaker 2: on Yeah, was that the fusion Fusions facebook page? I

799
00:37:49,280 --> 00:37:53,040
Speaker 2: posted on ours the history of tipping. She just mentioned that, Oh,

800
00:37:53,080 --> 00:37:59,560
Speaker 2: one of my favorite YouTube series, Adam's Adam Ruins Everything. Yes, yes,

801
00:38:00,040 --> 00:38:03,759
Speaker 2: apparently he did one of the history of tipping and

802
00:38:03,840 --> 00:38:06,359
Speaker 2: the history of suburbs. So she just recommended I might

803
00:38:06,400 --> 00:38:08,239
Speaker 2: post a link to that in the show notes. But

804
00:38:08,280 --> 00:38:12,200
Speaker 2: here's her question. It's an interesting one. So she's married.

805
00:38:12,320 --> 00:38:15,040
Speaker 2: She says, my husband and I are established in our

806
00:38:15,080 --> 00:38:17,120
Speaker 2: careers and we have good jobs doing what we love.

807
00:38:17,400 --> 00:38:20,480
Speaker 2: He's a physician's assistant and I'm a college professor. We

808
00:38:20,520 --> 00:38:23,759
Speaker 2: earn great salaries and are able to meet our monthly expenses,

809
00:38:23,880 --> 00:38:24,919
Speaker 2: save and give.

810
00:38:25,520 --> 00:38:26,400
Speaker 3: Between the two of us.

811
00:38:26,400 --> 00:38:28,960
Speaker 2: We have a few credit cards after getting into trouble

812
00:38:28,960 --> 00:38:32,400
Speaker 2: in my twenties, I'm now forty and completing the liverat

813
00:38:32,480 --> 00:38:35,520
Speaker 2: or Challenge, Live Rich, or Academy Credit Challenge. I'm really

814
00:38:35,560 --> 00:38:37,399
Speaker 2: on top of the way that I use my credit card.

815
00:38:37,840 --> 00:38:40,239
Speaker 2: My wonderful husband is a little more liberal in his

816
00:38:40,360 --> 00:38:43,920
Speaker 2: usage with a credit card frequency and amount, and I

817
00:38:44,000 --> 00:38:46,879
Speaker 2: recently learned that he added me as an authorized user

818
00:38:46,920 --> 00:38:50,080
Speaker 2: on his card. While I charge small amounts and pay

819
00:38:50,080 --> 00:38:53,000
Speaker 2: off my card each month, he doesn't always do the same.

820
00:38:53,600 --> 00:38:55,279
Speaker 2: This means that it may take a few months to

821
00:38:55,280 --> 00:38:58,080
Speaker 2: pay off the balances that he racks up. While I've

822
00:38:58,120 --> 00:39:00,680
Speaker 2: heard you and Tiffany talk about the benefits of being

823
00:39:00,719 --> 00:39:03,040
Speaker 2: an authorized user on an account of a person with

824
00:39:03,120 --> 00:39:06,399
Speaker 2: great credit. What happens when the person's credit score isn't

825
00:39:06,440 --> 00:39:09,759
Speaker 2: as high as yours? Does my credit score suffer? And

826
00:39:09,800 --> 00:39:12,879
Speaker 2: beyond having a conversation with husby, what should I do?

827
00:39:13,120 --> 00:39:15,920
Speaker 2: Should I remove myself from his account? And won't this

828
00:39:16,040 --> 00:39:20,719
Speaker 2: also lower my credit score? Well, if you use my

829
00:39:20,800 --> 00:39:28,080
Speaker 2: question on Eric like to remain anonymous, sorry, I will

830
00:39:28,400 --> 00:39:31,040
Speaker 2: edit this question and you will not hear your name.

831
00:39:31,640 --> 00:39:34,040
Speaker 2: You will hear this though, because that's funny.

832
00:39:34,400 --> 00:39:42,160
Speaker 1: Yes, that is okay, Lily, Okay. So one, it's not

833
00:39:42,200 --> 00:39:45,120
Speaker 1: supposed to if you're if you're an authorized user and

834
00:39:45,160 --> 00:39:47,319
Speaker 1: you're not the one actually using the card, it's not

835
00:39:47,360 --> 00:39:50,080
Speaker 1: supposed to lower your credit score. It's supposed to only

836
00:39:50,320 --> 00:39:53,319
Speaker 1: you're supposed to only improve, but not lower. But you

837
00:39:53,400 --> 00:39:56,080
Speaker 1: want to make sure that that's what's actually happening. So

838
00:39:56,200 --> 00:39:58,120
Speaker 1: what it's, Well, this is what I mean from like

839
00:39:58,160 --> 00:40:00,920
Speaker 1: my my my friends that are credit experts. I mean

840
00:40:00,960 --> 00:40:03,239
Speaker 1: I find myself I dabble in credits, but I don't

841
00:40:03,280 --> 00:40:05,960
Speaker 1: find myself as a credit expert. But I from what

842
00:40:06,000 --> 00:40:09,640
Speaker 1: I've asked, it's that let's just say your husband is late,

843
00:40:09,920 --> 00:40:13,000
Speaker 1: you're an authorized user, but not a co it's a

844
00:40:13,040 --> 00:40:16,799
Speaker 1: co sign. No, what is the other word? Yes, so

845
00:40:17,000 --> 00:40:21,000
Speaker 1: authorized user. It's different than a joint user. Joint like

846
00:40:21,040 --> 00:40:25,000
Speaker 1: so meaning like you guys have equal responsibility. That's different.

847
00:40:25,239 --> 00:40:28,120
Speaker 1: So meaning like his name, my name, Like me and

848
00:40:28,520 --> 00:40:30,560
Speaker 1: Superman we have a joint bank account, so we're both

849
00:40:30,600 --> 00:40:34,200
Speaker 1: equally responsible. But it's responsible yeah, well and so, but

850
00:40:34,280 --> 00:40:39,440
Speaker 1: as an authorized user, they hold the primary responsibility and

851
00:40:39,560 --> 00:40:42,680
Speaker 1: instead what you're supposed to do is, yes, that it's

852
00:40:42,719 --> 00:40:46,000
Speaker 1: supposed to make it look good if you're connected to

853
00:40:46,080 --> 00:40:49,440
Speaker 1: the account, but it's not supposed to harm you if

854
00:40:49,440 --> 00:40:52,960
Speaker 1: they're not making completely wise choices. But I mean, like

855
00:40:53,000 --> 00:40:56,440
Speaker 1: I said, I would look to make sure that that,

856
00:40:56,600 --> 00:40:57,960
Speaker 1: like you know, like it's not showing up on my

857
00:40:57,960 --> 00:41:01,120
Speaker 1: credit report, because you can get that removed if it does,

858
00:41:01,160 --> 00:41:04,000
Speaker 1: because it's not supposed to. I think the bigger issue

859
00:41:04,080 --> 00:41:11,360
Speaker 1: here is like husband not using his credit cards. I

860
00:41:11,400 --> 00:41:13,560
Speaker 1: guess as wisely as you'd like. And so maybe Mandy,

861
00:41:13,600 --> 00:41:15,200
Speaker 1: I could tell you, like, this is what me, me

862
00:41:15,280 --> 00:41:17,320
Speaker 1: and Superman finally figured it out. I'm like, we figured

863
00:41:17,320 --> 00:41:19,160
Speaker 1: it out, well, we figured out how we want to

864
00:41:19,200 --> 00:41:23,200
Speaker 1: work our money. We've been married now since June. I'm like, wait,

865
00:41:23,280 --> 00:41:25,440
Speaker 1: June July, I'm the worst. Anyway. We've been married for

866
00:41:25,440 --> 00:41:27,960
Speaker 1: a while, not a long while obviously, but we've been

867
00:41:27,960 --> 00:41:29,480
Speaker 1: married for a few months, and we've both been back

868
00:41:29,520 --> 00:41:31,360
Speaker 1: and forth with how do we want to do the money?

869
00:41:31,440 --> 00:41:32,680
Speaker 1: How do we want to do the money? Because we

870
00:41:32,680 --> 00:41:36,040
Speaker 1: honestly didn't have mixed money outside of we had a

871
00:41:36,080 --> 00:41:38,319
Speaker 1: joint savings account that we used to travel with, and

872
00:41:38,360 --> 00:41:40,920
Speaker 1: so we decided, well, I listen, he actually made the

873
00:41:40,920 --> 00:41:44,359
Speaker 1: decision that he wanted me to take his check, which

874
00:41:44,360 --> 00:41:47,000
Speaker 1: I'm like, I could do that, and we were going

875
00:41:47,080 --> 00:41:50,320
Speaker 1: to live off his income and then with my money

876
00:41:50,360 --> 00:41:53,080
Speaker 1: we save and invest, and so we're going to live

877
00:41:53,120 --> 00:41:54,719
Speaker 1: off one income. And the way it's going to look

878
00:41:54,760 --> 00:41:57,440
Speaker 1: is how I already don't do the bills anyway for myself,

879
00:41:57,840 --> 00:42:00,600
Speaker 1: is that with his money we paid bills bills. We

880
00:42:00,640 --> 00:42:02,759
Speaker 1: also we just opened up a joint checking account, and

881
00:42:02,760 --> 00:42:06,360
Speaker 1: that joint checking account is for what I call joint

882
00:42:06,480 --> 00:42:10,520
Speaker 1: household non bills, so meaning like basically like food shopping

883
00:42:10,520 --> 00:42:13,719
Speaker 1: and stuff like that. So there's a debit card at home,

884
00:42:13,800 --> 00:42:15,960
Speaker 1: so when you go food shopping, I've already made the

885
00:42:16,000 --> 00:42:18,960
Speaker 1: transfers and so you could take that that joint our

886
00:42:19,080 --> 00:42:22,160
Speaker 1: joint debit card to go food shopping and do household

887
00:42:22,160 --> 00:42:24,480
Speaker 1: expenses that are not bills, and then we have a

888
00:42:25,560 --> 00:42:27,960
Speaker 1: joint bills account that we pay bills out of. So

889
00:42:28,200 --> 00:42:30,719
Speaker 1: I don't know if your husband would be open to

890
00:42:31,520 --> 00:42:35,480
Speaker 1: combining your resources in a way where you can be

891
00:42:35,560 --> 00:42:39,960
Speaker 1: responsible for paying off or paying bills like that. So

892
00:42:40,080 --> 00:42:42,160
Speaker 1: that way, since he's not paying on time, that you

893
00:42:42,200 --> 00:42:43,960
Speaker 1: can make sure they're paid on time if if you're

894
00:42:44,120 --> 00:42:46,200
Speaker 1: being more responsible. It's kind of something you have to

895
00:42:46,200 --> 00:42:48,480
Speaker 1: talk to him about. But that's something that and I'm

896
00:42:48,480 --> 00:42:50,440
Speaker 1: not saying that this is definitely gonna work because we're

897
00:42:50,440 --> 00:42:52,000
Speaker 1: just needed that. We literally just open up a joint

898
00:42:52,000 --> 00:42:54,239
Speaker 1: account last weekend, so we're trying to see and work

899
00:42:54,280 --> 00:42:57,479
Speaker 1: out how do you and in your boo do it Mandy?

900
00:42:57,520 --> 00:42:59,120
Speaker 1: As far as money, well, you know we.

901
00:42:59,120 --> 00:43:01,279
Speaker 2: Have the exact same she's going through right now.

902
00:43:01,520 --> 00:43:02,600
Speaker 3: Well, one just just to.

903
00:43:02,600 --> 00:43:06,600
Speaker 2: Recap when you're an authorized user, their positive behavior will

904
00:43:06,600 --> 00:43:09,560
Speaker 2: help your score, not all and most most of the

905
00:43:09,640 --> 00:43:12,160
Speaker 2: time the credit A lot of times credit card companies

906
00:43:12,200 --> 00:43:14,680
Speaker 2: don't report negative behaviors, so it won't drag down your

907
00:43:14,680 --> 00:43:18,640
Speaker 2: score necessarily. That's if you're a joint account holder. That's

908
00:43:18,680 --> 00:43:24,520
Speaker 2: when you're both sort of dragging each other up or down. Yes, okay, correct, Yeah,

909
00:43:24,560 --> 00:43:27,800
Speaker 2: so we have the same issue where I was way better.

910
00:43:28,480 --> 00:43:31,240
Speaker 2: I was just like I mean, for me, I trained

911
00:43:31,239 --> 00:43:33,600
Speaker 2: myself to if I saw a balance, I just paid

912
00:43:33,600 --> 00:43:35,719
Speaker 2: off whatever my statement balance was, and I knew if

913
00:43:35,760 --> 00:43:37,560
Speaker 2: it was higher than what I could afford, it was

914
00:43:37,600 --> 00:43:41,480
Speaker 2: bad news bears, and I was messing up somewhere. And

915
00:43:41,520 --> 00:43:43,960
Speaker 2: then I you know, it took me a couple of years.

916
00:43:44,000 --> 00:43:46,920
Speaker 2: It just always seemed like my husband, then boyfriend, and

917
00:43:46,960 --> 00:43:49,880
Speaker 2: fiance always had credit card debt, and I was like,

918
00:43:49,880 --> 00:43:52,480
Speaker 2: how are you always having the same like a.

919
00:43:52,480 --> 00:43:54,440
Speaker 3: Little bit of credit card debt? It seems to never.

920
00:43:54,280 --> 00:43:59,400
Speaker 2: Go away, And it always really really bothered me. And honestly,

921
00:43:59,520 --> 00:44:01,239
Speaker 2: one of the one of the ways we nipped that

922
00:44:01,280 --> 00:44:04,280
Speaker 2: in the bud was we got a financial planner, and

923
00:44:04,400 --> 00:44:07,759
Speaker 2: that unlocked a lot of the awkwardness of having that

924
00:44:07,800 --> 00:44:09,839
Speaker 2: conversation because we thought about it. You know, he didn't

925
00:44:09,880 --> 00:44:10,239
Speaker 2: want to.

926
00:44:10,200 --> 00:44:11,239
Speaker 3: Tell me about his debt.

927
00:44:11,800 --> 00:44:14,960
Speaker 2: I wanted to know everything. I thought it was the

928
00:44:15,000 --> 00:44:16,840
Speaker 2: only way for us to be successful is for me

929
00:44:16,880 --> 00:44:19,440
Speaker 2: to know how much debt he had and create a

930
00:44:19,440 --> 00:44:21,160
Speaker 2: plan to pay it down and whatever. He was like,

931
00:44:21,239 --> 00:44:23,719
Speaker 2: I want to manage it. It's my problem, blah blah blah.

932
00:44:23,880 --> 00:44:26,120
Speaker 2: When we got a financial planner, we had a third

933
00:44:26,160 --> 00:44:28,560
Speaker 2: party in the mix, and all of a sudden, I know,

934
00:44:28,600 --> 00:44:31,920
Speaker 2: I'm sitting in the back like you know, evilly, you know,

935
00:44:32,280 --> 00:44:35,040
Speaker 2: with light fingers together, like, oh, I'm going to find

936
00:44:35,040 --> 00:44:37,959
Speaker 2: it all the tea, now, all the dirt. It wasn't

937
00:44:37,960 --> 00:44:41,200
Speaker 2: that bad, but he became more comfortable when we had

938
00:44:41,200 --> 00:44:43,320
Speaker 2: all the cards out on the table, kind of showing

939
00:44:43,360 --> 00:44:46,080
Speaker 2: me exactly, you know, showing each other where our money

940
00:44:46,160 --> 00:44:49,840
Speaker 2: was going and whatnot. And with her help, we decided

941
00:44:49,920 --> 00:44:53,840
Speaker 2: that if he was really, if he was, he was

942
00:44:54,000 --> 00:44:57,480
Speaker 2: very sure that he wanted to tackle the debt on

943
00:44:57,520 --> 00:44:58,960
Speaker 2: his own. It wasn't very much. I think it was

944
00:44:59,000 --> 00:45:02,239
Speaker 2: like two thousand dollars or something like that. He was

945
00:45:02,320 --> 00:45:04,239
Speaker 2: going to do it the smart way, which instead of

946
00:45:04,320 --> 00:45:06,920
Speaker 2: just making his little monthly payments as much as he

947
00:45:06,960 --> 00:45:09,520
Speaker 2: could every month, he was going to transfer the balance

948
00:45:09,560 --> 00:45:12,920
Speaker 2: to a zero a zero percent balance transfer card, and

949
00:45:12,960 --> 00:45:15,359
Speaker 2: he was going to really pay it off before that

950
00:45:15,440 --> 00:45:19,280
Speaker 2: balance before the promotional period ended, which was twelve months.

951
00:45:19,680 --> 00:45:22,000
Speaker 2: And then that that gave me peace of mind because

952
00:45:22,000 --> 00:45:24,360
Speaker 2: at least I knew then he wasn't racking up interest charges,

953
00:45:25,040 --> 00:45:26,399
Speaker 2: because in my mind, I was like, well, I want

954
00:45:26,440 --> 00:45:27,680
Speaker 2: this guy just let me pay off his debt for

955
00:45:27,760 --> 00:45:29,319
Speaker 2: him and just be done with it, you know. But

956
00:45:29,600 --> 00:45:31,600
Speaker 2: for him it was a point of pride. So the

957
00:45:31,640 --> 00:45:33,799
Speaker 2: balance transfer was a really good compromise.

958
00:45:34,080 --> 00:45:35,200
Speaker 3: He had zero percent.

959
00:45:35,440 --> 00:45:37,920
Speaker 2: I wasn't worried about interest charges, and he could pay

960
00:45:37,920 --> 00:45:41,319
Speaker 2: it off himself and you know it. And he was like,

961
00:45:41,719 --> 00:45:43,959
Speaker 2: he was being true to himself and he was doing

962
00:45:44,000 --> 00:45:46,799
Speaker 2: it the way he wanted. And that's how we handled that,

963
00:45:46,840 --> 00:45:50,440
Speaker 2: And since then it has we've been much more transparent.

964
00:45:50,520 --> 00:45:52,800
Speaker 1: We select, okay, we.

965
00:45:52,680 --> 00:45:55,800
Speaker 2: Have specific cards that we use for specific purposes, and

966
00:45:56,040 --> 00:45:58,440
Speaker 2: use one or Chased Reserve card for all of our

967
00:45:58,440 --> 00:46:04,160
Speaker 2: restaurants and eating out purchases, joint purchases. We use one

968
00:46:04,239 --> 00:46:06,560
Speaker 2: AMEX card for all of our grocery shopping, and we

969
00:46:06,640 --> 00:46:08,279
Speaker 2: both know to use that. And then we both have

970
00:46:08,400 --> 00:46:11,960
Speaker 2: our Chase or whatever bank account checking and we spend

971
00:46:12,000 --> 00:46:14,480
Speaker 2: our checking however we want to use it, you know.

972
00:46:14,880 --> 00:46:18,719
Speaker 2: And I pay the bills off mostly because it's just

973
00:46:18,760 --> 00:46:21,200
Speaker 2: some of those two credit cards. I pay those bills

974
00:46:21,239 --> 00:46:22,240
Speaker 2: off myself.

975
00:46:22,080 --> 00:46:24,600
Speaker 1: It takes time. I mean it took a while, like,

976
00:46:24,640 --> 00:46:27,319
Speaker 1: oh my gosh. The other day, like I've been dating

977
00:46:27,320 --> 00:46:29,960
Speaker 1: Sumn for like I don't know, maybe three and a

978
00:46:30,000 --> 00:46:32,399
Speaker 1: half four years now, and so it took a while.

979
00:46:32,480 --> 00:46:34,040
Speaker 1: Another day he looked at me and he was like,

980
00:46:34,160 --> 00:46:36,680
Speaker 1: you know what, I agree. When it came to some

981
00:46:36,760 --> 00:46:40,000
Speaker 1: money choice, I nearly wept. I was like, oh my god,

982
00:46:40,600 --> 00:46:43,960
Speaker 1: because I have been working on him forever, you know,

983
00:46:44,080 --> 00:46:45,680
Speaker 1: and so it takes some time. And I had to

984
00:46:45,800 --> 00:46:48,680
Speaker 1: learn to stop being such a bully about it. I

985
00:46:48,680 --> 00:46:52,520
Speaker 1: could be a little bully myself because you know, like

986
00:46:52,560 --> 00:46:54,480
Speaker 1: really trying to force his hand like no, this is

987
00:46:54,520 --> 00:46:56,960
Speaker 1: the best way, because one I learned that my way

988
00:46:57,080 --> 00:46:59,000
Speaker 1: wasn't always the best way, and two I had to

989
00:46:59,040 --> 00:47:00,799
Speaker 1: honor that he has a he has a way too.

990
00:47:01,080 --> 00:47:03,000
Speaker 1: When he came up with the let me give you

991
00:47:03,040 --> 00:47:05,759
Speaker 1: my check thing, I was like, wow, this was that's

992
00:47:05,800 --> 00:47:08,680
Speaker 1: actually really I had this other intricate thing in mind.

993
00:47:09,040 --> 00:47:10,880
Speaker 1: And when we sit down and we did our bills together,

994
00:47:11,360 --> 00:47:15,360
Speaker 1: we already live under what he brings in, and so

995
00:47:15,480 --> 00:47:17,680
Speaker 1: I was like, well, this is perfect because we're already

996
00:47:17,719 --> 00:47:22,279
Speaker 1: living under you know, we're already living basically within the

997
00:47:22,360 --> 00:47:24,239
Speaker 1: means of being able to live off your check, why

998
00:47:24,280 --> 00:47:27,480
Speaker 1: not do so officially? So that way, and when I

999
00:47:27,880 --> 00:47:31,120
Speaker 1: know what he loves about that is that one, he's

1000
00:47:31,160 --> 00:47:33,360
Speaker 1: the head of the household, you know that he's like, okay,

1001
00:47:33,440 --> 00:47:34,880
Speaker 1: I paid the bills. You know. It gets him that

1002
00:47:34,960 --> 00:47:37,200
Speaker 1: kind of like feeling, which is nice, you know. And

1003
00:47:37,239 --> 00:47:40,080
Speaker 1: then two it's you know, it gives me this feeling

1004
00:47:40,200 --> 00:47:43,880
Speaker 1: of safety and security in that let's just say something

1005
00:47:43,920 --> 00:47:46,560
Speaker 1: happens with my businesses, the truth of the matter, risk

1006
00:47:46,680 --> 00:47:49,480
Speaker 1: we're still fine, you know. So I like that feeling

1007
00:47:49,480 --> 00:47:53,480
Speaker 1: because it allows me to grow without fear of can

1008
00:47:53,520 --> 00:47:54,439
Speaker 1: we afford our life?

1009
00:47:54,680 --> 00:47:56,640
Speaker 3: You know, that's so true.

1010
00:47:56,840 --> 00:47:59,799
Speaker 2: I think it's really smart to base your lifestyle on

1011
00:47:59,840 --> 00:48:04,200
Speaker 2: the lower earner. And I get really nervous. I have

1012
00:48:04,280 --> 00:48:07,040
Speaker 2: gotten really nervous to really try to avoid as one

1013
00:48:07,080 --> 00:48:09,680
Speaker 2: of us, you know, as our incomes change and go

1014
00:48:09,760 --> 00:48:13,319
Speaker 2: in different directions that were not upgrading the lifestyle just

1015
00:48:13,360 --> 00:48:16,239
Speaker 2: because one of us earns more. Because I'm paranoid, you know,

1016
00:48:16,440 --> 00:48:18,360
Speaker 2: I have the same sort of fear you do about

1017
00:48:18,360 --> 00:48:20,960
Speaker 2: what if something happens to the higher earner, and then

1018
00:48:21,000 --> 00:48:25,200
Speaker 2: there's you know, and then your your lifestyle is no

1019
00:48:25,320 --> 00:48:27,319
Speaker 2: longer you can't support it and then you just have

1020
00:48:27,400 --> 00:48:30,760
Speaker 2: all those issues. That's that's my nightmare.

1021
00:48:31,080 --> 00:48:33,920
Speaker 1: Mm hmmm. And so yeah, because it is a scary

1022
00:48:33,960 --> 00:48:37,120
Speaker 1: thing of like cause you know, like, yeah, there's that book,

1023
00:48:37,239 --> 00:48:39,640
Speaker 1: was it? Do we talk about the book for Elizabeth

1024
00:48:39,640 --> 00:48:41,919
Speaker 1: Warren before she was a senator? I wrote a book

1025
00:48:41,960 --> 00:48:44,640
Speaker 1: about living off one income. I can't remember the name

1026
00:48:44,680 --> 00:48:45,600
Speaker 1: of it.

1027
00:48:45,360 --> 00:48:47,680
Speaker 2: Oh, it's called I remember you told me she wrote

1028
00:48:47,680 --> 00:48:50,880
Speaker 2: a personal finance book and I didn't believe he yes.

1029
00:48:50,840 --> 00:48:52,480
Speaker 1: And it was actually really good. It was about living

1030
00:48:52,520 --> 00:48:55,719
Speaker 1: off what it's called the lie, the income lie or

1031
00:48:55,719 --> 00:48:57,960
Speaker 1: something like that. But it's about living off one income.

1032
00:48:58,320 --> 00:49:00,600
Speaker 1: And I think if you know, it's not possible for everyone,

1033
00:49:00,840 --> 00:49:02,600
Speaker 1: but if you can get as close as possible to

1034
00:49:02,640 --> 00:49:05,920
Speaker 1: living off the lower earner's income, the better.

1035
00:49:06,640 --> 00:49:08,880
Speaker 2: Yeah. And sometimes it's good to feel a little broken.

1036
00:49:09,680 --> 00:49:12,640
Speaker 1: Yeah, yeah, yeah, Plus it's nice, you know, especially.

1037
00:49:12,280 --> 00:49:14,080
Speaker 3: As you know, within reason.

1038
00:49:14,440 --> 00:49:17,040
Speaker 2: But the reason, yes, don't send your baby to school

1039
00:49:17,040 --> 00:49:18,680
Speaker 2: with like holes in their.

1040
00:49:18,400 --> 00:49:24,120
Speaker 1: Shoes exactly because nobody has stopped for that. Anybody got

1041
00:49:24,160 --> 00:49:24,640
Speaker 1: top through it.

1042
00:49:25,320 --> 00:49:26,600
Speaker 3: Thanks for your question, Lily.

1043
00:49:27,320 --> 00:49:29,840
Speaker 1: Yes, we have some good questions. If you have questions,

1044
00:49:29,840 --> 00:49:33,719
Speaker 1: please send them to Brown Ambition Podcast dot com and

1045
00:49:33,800 --> 00:49:37,360
Speaker 1: click ask us anything, or you can email us at Brown.

1046
00:49:37,200 --> 00:49:39,400
Speaker 3: Ambition Podcast dot gmail dot com.

1047
00:49:39,440 --> 00:49:43,000
Speaker 1: Whoa I know, look at me, because you know, I'm like,

1048
00:49:43,120 --> 00:49:45,440
Speaker 1: maybe likes it. She'll do it. Give it to baby,

1049
00:49:45,520 --> 00:49:49,600
Speaker 1: she'll do it. It's like the kick commercial. Give it to Mikey,

1050
00:49:49,719 --> 00:49:50,319
Speaker 1: he'll eat it.

1051
00:49:52,480 --> 00:49:58,239
Speaker 3: I'm glad we're getting out of our rut. Yeah you assumes, yeah, exact.

1052
00:50:06,719 --> 00:50:09,640
Speaker 2: Well in that case, how about some winds? Winds winds

1053
00:50:09,640 --> 00:50:10,760
Speaker 2: on this Wednesday?

1054
00:50:11,040 --> 00:50:15,040
Speaker 1: Ooh, look at you. Okay, I'm not gonna lie. I'm

1055
00:50:15,040 --> 00:50:16,160
Speaker 1: still thinking about my win. You go.

1056
00:50:17,080 --> 00:50:19,160
Speaker 2: My win is so excellent. I haven't even told you

1057
00:50:19,200 --> 00:50:19,960
Speaker 2: about this yet.

1058
00:50:20,080 --> 00:50:21,440
Speaker 3: So here's what happened.

1059
00:50:21,480 --> 00:50:23,640
Speaker 2: Was y'all know, I went on this great vacation last

1060
00:50:23,640 --> 00:50:26,600
Speaker 2: week for my art, my husband's cousin's wedding, and the

1061
00:50:26,640 --> 00:50:30,560
Speaker 2: Dominican Republic. It was beautiful, gorgeous, so relaxing, amazing. I

1062
00:50:30,600 --> 00:50:31,040
Speaker 2: come back.

1063
00:50:31,080 --> 00:50:32,600
Speaker 3: I'm already on Monday morning.

1064
00:50:32,600 --> 00:50:34,200
Speaker 2: I'm like, I'm going to show up to the office

1065
00:50:34,360 --> 00:50:36,680
Speaker 2: at eight o'clock. I am going to get my work done.

1066
00:50:36,680 --> 00:50:38,919
Speaker 2: I'm gonna get caught up. I'm gonna do amazing things

1067
00:50:38,960 --> 00:50:41,640
Speaker 2: before my first meeting at nine point thirty. I show

1068
00:50:41,719 --> 00:50:44,640
Speaker 2: up and I'm like, where's my laptop at though? And

1069
00:50:44,680 --> 00:50:47,839
Speaker 2: I start thinking immediately. I'm like, okay, I've shown up

1070
00:50:47,840 --> 00:50:51,200
Speaker 2: to the office before without my computer like a dummy,

1071
00:50:51,239 --> 00:50:52,640
Speaker 2: and I have to go back home and get it

1072
00:50:52,680 --> 00:50:54,960
Speaker 2: and come back. But then I'm like, wait a second,

1073
00:50:54,960 --> 00:50:58,040
Speaker 2: I left straight from work to the airport. Did not

1074
00:50:58,080 --> 00:51:00,520
Speaker 2: have my laptop with me on vacation. I know it's here.

1075
00:51:00,960 --> 00:51:04,759
Speaker 2: And then I look around. Nobody's desks has have laptops

1076
00:51:04,800 --> 00:51:07,120
Speaker 2: on them. We all have our laptops at our desk

1077
00:51:07,160 --> 00:51:07,840
Speaker 2: at all times.

1078
00:51:08,280 --> 00:51:11,000
Speaker 3: And I'm like, oh, shiyst.

1079
00:51:10,760 --> 00:51:18,120
Speaker 2: And long story short, our office was robbed. No, yeah, yeah, yeah, yeah,

1080
00:51:18,160 --> 00:51:22,000
Speaker 2: definitely definitely robbed. They took four They took three laptops,

1081
00:51:22,040 --> 00:51:25,520
Speaker 2: so luckily a couple of our employees. One took hers

1082
00:51:25,520 --> 00:51:26,960
Speaker 2: home over the weekend, the other one was out of

1083
00:51:26,960 --> 00:51:30,880
Speaker 2: town and had hers, and then they just didn't happen

1084
00:51:30,920 --> 00:51:34,560
Speaker 2: to see my boss's laptop underneath some papers. But yeah,

1085
00:51:34,600 --> 00:51:37,360
Speaker 2: they walked away with three laptops, including mine and a

1086
00:51:37,400 --> 00:51:40,920
Speaker 2: brand new one we had just ordered for a new hire,

1087
00:51:41,320 --> 00:51:44,759
Speaker 2: like out of the box. Yeah, it's crazy. I've never

1088
00:51:44,800 --> 00:51:47,560
Speaker 2: had I mean, you always kind of like hear about

1089
00:51:47,680 --> 00:51:50,880
Speaker 2: you know, office break ins and you know whatever, but

1090
00:51:51,360 --> 00:51:52,560
Speaker 2: it's never happened to me before.

1091
00:51:52,600 --> 00:51:54,120
Speaker 3: And it was it was really creepy.

1092
00:51:54,800 --> 00:51:57,399
Speaker 1: That is creepy. How don't gotta win?

1093
00:51:58,160 --> 00:52:02,160
Speaker 3: No, I was. It was a win. It was a

1094
00:52:02,200 --> 00:52:03,200
Speaker 3: win for insurance.

1095
00:52:04,640 --> 00:52:07,760
Speaker 2: I think that I'm gonna I'm gonna spin this into

1096
00:52:07,800 --> 00:52:10,719
Speaker 2: a win for the power of insurance because well, one,

1097
00:52:11,120 --> 00:52:13,200
Speaker 2: you know, as a business, I think it's good to

1098
00:52:13,200 --> 00:52:16,439
Speaker 2: protect yourself and like ninety five money and lending Tree

1099
00:52:16,520 --> 00:52:18,719
Speaker 2: have lost prevention for this type of thing, but the

1100
00:52:18,760 --> 00:52:21,520
Speaker 2: same thing can happen so easily in your personal life,

1101
00:52:21,600 --> 00:52:25,560
Speaker 2: and I think it's important another reminder why it's important

1102
00:52:25,560 --> 00:52:29,520
Speaker 2: to have renters insurance or some form of homeowners insurance.

1103
00:52:30,200 --> 00:52:33,640
Speaker 2: I don't know about homeowners, but when my brother's car

1104
00:52:33,719 --> 00:52:37,600
Speaker 2: was broken into and he lost his laptop during college,

1105
00:52:37,640 --> 00:52:42,359
Speaker 2: his renter's insurance policy replaced it immediately without any even

1106
00:52:42,400 --> 00:52:46,440
Speaker 2: though it didn't happen is in his apartment. So the

1107
00:52:46,600 --> 00:52:49,480
Speaker 2: damage to us really wasn't that as bad as it

1108
00:52:49,480 --> 00:52:52,160
Speaker 2: would have been had we not had that protection and

1109
00:52:52,280 --> 00:52:55,600
Speaker 2: insurance in place. So that's my win, and I'm going

1110
00:52:55,680 --> 00:52:57,919
Speaker 2: to update my Renter's insurance policy now that I'm thinking

1111
00:52:57,920 --> 00:52:59,360
Speaker 2: about it, because I don't.

1112
00:52:59,080 --> 00:53:01,360
Speaker 3: Know if they know I live in as you know. Okay,

1113
00:53:01,560 --> 00:53:02,360
Speaker 3: I'll all have to fix that.

1114
00:53:02,520 --> 00:53:05,799
Speaker 2: But in a win for the finest New York City

1115
00:53:05,840 --> 00:53:09,000
Speaker 2: Police Department who stayed in our office inexplicably for six

1116
00:53:09,040 --> 00:53:13,879
Speaker 2: hours all day. Oh chilling, just chilling, and shout out

1117
00:53:13,920 --> 00:53:16,279
Speaker 2: to the robber who didn't.

1118
00:53:15,920 --> 00:53:18,680
Speaker 3: Have a bag to take the laptops away in.

1119
00:53:18,920 --> 00:53:21,680
Speaker 2: So they dumped out a ridiculous like you know how

1120
00:53:21,719 --> 00:53:24,319
Speaker 2: you go to conferences and you get goodie bags. Yes,

1121
00:53:24,440 --> 00:53:28,239
Speaker 2: so our co founder Nick he got this ridiculous like

1122
00:53:28,800 --> 00:53:32,319
Speaker 2: pink flowery vera Bradley tote bag the giant ones like

1123
00:53:32,320 --> 00:53:35,160
Speaker 2: they sell at TJ Max from a conference, and they

1124
00:53:35,239 --> 00:53:37,719
Speaker 2: dumped everything out of it and took the loot in

1125
00:53:37,800 --> 00:53:41,200
Speaker 2: this like pink flowery fever Bradley bag. So I'm just

1126
00:53:41,239 --> 00:53:43,320
Speaker 2: waiting for them to find that security footage.

1127
00:53:43,520 --> 00:53:47,200
Speaker 1: Yeah, it's just that lazy, like I mean, yeah, well,

1128
00:53:47,280 --> 00:53:52,240
Speaker 1: robber's hopefully your time is limited. So my win actually

1129
00:53:52,280 --> 00:53:56,800
Speaker 1: comes directly from our Facebook page. Brad Ambission, I forgot

1130
00:53:56,840 --> 00:54:01,040
Speaker 1: I shared this, so President and first Lady, I mean,

1131
00:54:01,080 --> 00:54:04,160
Speaker 1: well whatever, yes, I'm claiming them President first Lady from

1132
00:54:04,160 --> 00:54:07,560
Speaker 1: Barack Obama have chosen one of my favorite artists of

1133
00:54:07,560 --> 00:54:10,000
Speaker 1: all time and another young woman who I'm not familiar with,

1134
00:54:10,000 --> 00:54:12,800
Speaker 1: but I'm sure she's dope to paint their official portraits.

1135
00:54:12,800 --> 00:54:15,480
Speaker 1: So you know, every president and first Lady have they

1136
00:54:15,480 --> 00:54:17,920
Speaker 1: have official portraits. And so what I love is he

1137
00:54:18,040 --> 00:54:22,200
Speaker 1: chose this African I believe it's Nigerian artist named K.

1138
00:54:22,719 --> 00:54:24,480
Speaker 1: I'm gonna say his name wrong, and every Nigerian is

1139
00:54:24,480 --> 00:54:31,960
Speaker 1: gonna roll their eyes. Okay, Khindi Wiley, Khindi, Khindi, Khindi. Oh,

1140
00:54:32,000 --> 00:54:36,040
Speaker 1: I'm sorry that Jan Massive, I'm sorry. And Amy Ryls

1141
00:54:36,160 --> 00:54:38,440
Speaker 1: so Amy I believe is African American as well. And

1142
00:54:38,520 --> 00:54:42,520
Speaker 1: k Hindi his artwork is so beautiful. Actually posted this

1143
00:54:42,600 --> 00:54:45,120
Speaker 1: picture once I had gone to I think it was

1144
00:54:45,160 --> 00:54:47,720
Speaker 1: Brooklyn Museum, and he has this bust of a woman

1145
00:54:48,400 --> 00:54:51,680
Speaker 1: who her hair is braided. It's like three busts of

1146
00:54:51,719 --> 00:54:53,680
Speaker 1: women and their hair kind of like meets in the middle.

1147
00:54:53,920 --> 00:54:56,680
Speaker 1: And I swear that the woman's face because she could

1148
00:54:56,719 --> 00:54:58,839
Speaker 1: have been my sister. So I took a picture of

1149
00:54:58,920 --> 00:55:02,439
Speaker 1: myself to it, and I said, I came in search

1150
00:55:02,440 --> 00:55:04,480
Speaker 1: of beauty and I found myself or something to that effect.

1151
00:55:04,560 --> 00:55:08,360
Speaker 1: It was so beautiful. His work is so beautiful, and

1152
00:55:08,400 --> 00:55:11,359
Speaker 1: it really highlights all the beauty that's in the brown

1153
00:55:11,400 --> 00:55:14,359
Speaker 1: and black diaspora. And so I love the fact that

1154
00:55:14,800 --> 00:55:18,120
Speaker 1: you know that they that they chose their their portrait.

1155
00:55:18,200 --> 00:55:21,920
Speaker 1: I just that's huge, you know, And so yeah, I

1156
00:55:21,960 --> 00:55:26,280
Speaker 1: cannot wait. So and he's the one you remember for Khindi.

1157
00:55:26,600 --> 00:55:30,520
Speaker 1: He's the one you remember those huge oversized portraits of

1158
00:55:30,719 --> 00:55:35,600
Speaker 1: like you would see of black men in like tins

1159
00:55:35,680 --> 00:55:38,439
Speaker 1: and whatever, but they were postured like these like these

1160
00:55:38,480 --> 00:55:40,359
Speaker 1: old European portraits, like if you go to the Mets

1161
00:55:40,960 --> 00:55:43,480
Speaker 1: and like, you know, you see like these like European

1162
00:55:43,520 --> 00:55:46,359
Speaker 1: portraits of people like on horses or like they're all

1163
00:55:46,400 --> 00:55:50,520
Speaker 1: like formal or whatever. So he would paint African American

1164
00:55:50,600 --> 00:55:53,640
Speaker 1: men in like their regular street clothes but with this

1165
00:55:53,840 --> 00:55:59,160
Speaker 1: like very austere background. Like yeah, and they're huge, I

1166
00:55:59,200 --> 00:56:01,200
Speaker 1: mean when I say huge, Lord of Ceiling. So you

1167
00:56:01,280 --> 00:56:03,000
Speaker 1: have to go see I've seen it, I think, did

1168
00:56:03,000 --> 00:56:04,680
Speaker 1: I see that the Met or the I believe I've

1169
00:56:04,680 --> 00:56:06,239
Speaker 1: seen his work either at the Met or at the

1170
00:56:06,920 --> 00:56:08,960
Speaker 1: Brooklyn Museum. But it was beautiful, and I remember just

1171
00:56:09,000 --> 00:56:11,680
Speaker 1: being stunned. So that's a win for you, young brother

1172
00:56:11,800 --> 00:56:14,719
Speaker 1: and sister. He's my Facebook friend only because you know

1173
00:56:14,920 --> 00:56:17,440
Speaker 1: I request. I always request random people on Facebook Friends.

1174
00:56:17,560 --> 00:56:20,319
Speaker 1: I'm totally a Facebook yes, like if you if you right?

1175
00:56:20,360 --> 00:56:23,279
Speaker 1: Oh my god, my friend Sarah is so amazing. She

1176
00:56:23,440 --> 00:56:25,400
Speaker 1: just got such and such from Force magazine. I'm like,

1177
00:56:25,440 --> 00:56:27,160
Speaker 1: you mean my friend Sarah, Hey, girl.

1178
00:56:28,400 --> 00:56:29,000
Speaker 3: That person.

1179
00:56:29,440 --> 00:56:32,719
Speaker 1: I'm like, I want to say my circle. I want

1180
00:56:32,719 --> 00:56:34,799
Speaker 1: to feel the vibes, and I would say I have

1181
00:56:34,840 --> 00:56:37,520
Speaker 1: a good forty percent rate of like acceptance. I'm like, yes,

1182
00:56:37,760 --> 00:56:39,719
Speaker 1: me and Sara are friends now. And if I can't like,

1183
00:56:39,719 --> 00:56:41,800
Speaker 1: sometimes Basebook will say, Tippy, you have too many friends.

1184
00:56:41,920 --> 00:56:44,319
Speaker 1: I will own friend a friend that's not carrying their

1185
00:56:44,360 --> 00:56:50,399
Speaker 1: weight and be like, girl, you're out. Sarah's in. Oh

1186
00:56:50,520 --> 00:56:53,840
Speaker 1: my gosh, I'm the worst. Anyway, it's been awesome as usual.

1187
00:56:55,520 --> 00:56:58,840
Speaker 3: Did this episode feel different to you?

1188
00:56:58,920 --> 00:57:00,000
Speaker 1: What in a bad way and a good way?

1189
00:57:00,080 --> 00:57:00,719
Speaker 3: In a good way?

1190
00:57:00,800 --> 00:57:04,600
Speaker 2: Do you realize this is a one hundredth episode? Oh

1191
00:57:04,680 --> 00:57:09,840
Speaker 2: my god, I remembered, and then I forgot. Well you

1192
00:57:10,000 --> 00:57:11,920
Speaker 2: mentioned I meant to mention at the beginning.

1193
00:57:11,640 --> 00:57:11,960
Speaker 1: Of the show.

1194
00:57:12,000 --> 00:57:13,080
Speaker 3: We're just an old married couple.

1195
00:57:13,120 --> 00:57:16,440
Speaker 2: Now old married podcast couple Forgetting Our Wow one hundred

1196
00:57:16,480 --> 00:57:18,880
Speaker 2: half of Verse one hundred episode of Versary.

1197
00:57:19,280 --> 00:57:21,440
Speaker 1: I can't remember what I person met you, Maddy. Weren't

1198
00:57:21,440 --> 00:57:23,000
Speaker 1: you working at I don't think we just spoke on

1199
00:57:23,040 --> 00:57:26,960
Speaker 1: the phone. You're working at Yes, and you did an interview,

1200
00:57:27,000 --> 00:57:28,880
Speaker 1: and I remember I was so excited, like, oh my god,

1201
00:57:28,880 --> 00:57:29,760
Speaker 1: I'm famous.

1202
00:57:29,400 --> 00:57:32,800
Speaker 3: Now, and then we were and everything happened for you.

1203
00:57:33,320 --> 00:57:36,440
Speaker 1: Right, I was not famous then I was like what okay?

1204
00:57:36,520 --> 00:57:38,880
Speaker 1: And then you I met you at Think and I

1205
00:57:38,920 --> 00:57:41,280
Speaker 1: was like, wow, I like her in real life. And

1206
00:57:41,400 --> 00:57:43,480
Speaker 1: we took like a long walk like it was like, yo,

1207
00:57:43,680 --> 00:57:46,320
Speaker 1: we really corded, we really recording. Remember, we were like,

1208
00:57:46,360 --> 00:57:49,400
Speaker 1: you know what, let's get the the Finn contestivities. Let's

1209
00:57:49,400 --> 00:57:53,040
Speaker 1: just take a long walk on the byo. And I

1210
00:57:53,080 --> 00:57:55,280
Speaker 1: think you were talking to me about husband at the time,

1211
00:57:55,280 --> 00:57:57,560
Speaker 1: but he wasn't husband and my superman at the time.

1212
00:57:57,560 --> 00:57:59,640
Speaker 1: If he wasn't my husband, Yo, look how far we've come.

1213
00:57:59,680 --> 00:58:11,360
Speaker 1: We've got married. Maddy has gone natural. Oh my goodness,

1214
00:58:11,840 --> 00:58:15,320
Speaker 1: there's somebody right. I started a new business, you started

1215
00:58:15,320 --> 00:58:17,520
Speaker 1: a new job. I mean, so many things have happened.

1216
00:58:17,600 --> 00:58:18,800
Speaker 3: I'm pregnant, just kidding.

1217
00:58:21,640 --> 00:58:25,760
Speaker 1: I right. Hopefully you know next podcast. But yeah, that's awesome.

1218
00:58:25,800 --> 00:58:28,440
Speaker 1: Thank you guys for listening our hundredth episode.

1219
00:58:28,920 --> 00:58:32,520
Speaker 2: Thank you for wanting a hundred episodes. Because I remember

1220
00:58:32,720 --> 00:58:33,760
Speaker 2: not even knowing if this was.

1221
00:58:33,760 --> 00:58:36,360
Speaker 3: A good idea. I just knew I really wanted to

1222
00:58:36,400 --> 00:58:38,240
Speaker 3: do it, and y'all who told me no?

1223
00:58:38,480 --> 00:58:41,040
Speaker 2: And I was like, I'm a dude anyway, and I

1224
00:58:41,160 --> 00:58:41,760
Speaker 2: was gonna help.

1225
00:58:42,680 --> 00:58:44,800
Speaker 1: I was like, okay, I was even sure what the

1226
00:58:44,800 --> 00:58:49,080
Speaker 1: podcast was and I was like, okay, yes, And I

1227
00:58:49,120 --> 00:58:51,840
Speaker 1: have to say that if you want to congratulate us

1228
00:58:51,880 --> 00:58:57,520
Speaker 1: on our hundredth episode, can you please leave review on iTunes? Yeah?

1229
00:58:57,600 --> 00:59:01,960
Speaker 2: Can you give us as a gift on our episode aversary?

1230
00:59:02,000 --> 00:59:03,520
Speaker 3: Please leave with the review. That'd be awesome.

1231
00:59:03,600 --> 00:59:06,760
Speaker 2: Even if you have already you know, sign in from

1232
00:59:06,760 --> 00:59:10,280
Speaker 2: your husband's account, here's your mom, she doesn't use it.

1233
00:59:10,560 --> 00:59:14,240
Speaker 1: Just just leave with the review saying how you know

1234
00:59:14,360 --> 00:59:16,520
Speaker 1: how you feel, which is awesome about us? Clear when

1235
00:59:16,520 --> 00:59:19,680
Speaker 1: you're listening, that's you, Jamal, Jamal, have you left a review?

1236
00:59:20,120 --> 00:59:22,000
Speaker 1: I know we pick on you, but you know, just

1237
00:59:22,080 --> 00:59:24,640
Speaker 1: I'm just saying, Jamal needs to tell a friend.

1238
00:59:24,880 --> 00:59:26,400
Speaker 2: Everybody tell a friend,