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Speaker 1: Okay, hey, hey we're back. We're black, we're brown. We

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Speaker 1: got to start like a little ensemble.

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Speaker 2: I thought we harmonized beautifully.

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Speaker 1: Right, me me? Right, do we celebrate? Did we share

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Speaker 1: that we cracked top two hundred? Did we celebrate that?

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Speaker 2: I'm all over the socials.

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Speaker 1: Yeah, but I mean podcast we didn't mention it. Right.

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Speaker 2: We should say hi to are. We have a bunch

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Speaker 2: of new listeners lately, So welcome if you're new to

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Speaker 2: the show, and thank you for joining us, and thank

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Speaker 2: you to everyone who's stuck by us. But yeah, we're

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Speaker 2: for some reason magic four year mark. People are paying attention.

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Speaker 2: But yeah, we cracked top two hundred of all podcasts,

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Speaker 2: which there's like tens of thousands.

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Speaker 1: It feels like, oh more, I google to see how

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Speaker 1: many iTunes podcaster. It's over half a million.

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Speaker 2: Oh jesus crazy.

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Speaker 1: Like when I saw that, I was like, wow, top

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Speaker 1: two hundred of over half I think it's like five

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Speaker 1: hundred and fifty thousand like podcasts.

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Speaker 2: Like I was like, what, Well, when we pasted the

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Speaker 2: read I was like, that's what we did. Yes, we

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Speaker 2: were about well not anymore, you know, we dropped down

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Speaker 2: a little bit, but uh, for a minute we were

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Speaker 2: we outranked the Read and I was like, what, Crystal

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Speaker 2: what I.

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Speaker 1: Know, I love Crystal Kit theory. Honestly, those are my

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Speaker 1: face I would I would totally geek out.

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Speaker 2: Yeah, so that was exciting. But yeah, it's top twenty

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Speaker 2: in business podcasts, and you know what, like it means.

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Speaker 2: It means so much to me just looking at those

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Speaker 2: images of and you know, it sounds cliche, but our

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Speaker 2: brown faces, brown and black faces on iTunes in those

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Speaker 2: little square images, when you look at everyone else who's ranking,

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Speaker 2: I mean it it is powerful and it means something

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Speaker 2: to me. So when we see our you know, our

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Speaker 2: friends who we don't really know, but some of them

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Speaker 2: you know. But like you see the you see the

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Speaker 2: dead Ass podcast and the Read and adulting podcasts and

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Speaker 2: all these like people of color really killing it in

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Speaker 2: the podcast game. Makes me so excited to be a

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Speaker 2: part of that, you know, unofficial group.

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Speaker 1: Yeah, and I just I do love that because you're right,

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Speaker 1: it's just like you know, I mean, it's just an

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Speaker 1: amazing time to like start something because you have the

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Speaker 1: ability to speak directly to your audience and you guys

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Speaker 1: listen and you someone hit me up the other day

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Speaker 1: and they were like, oh, you know what. I was

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Speaker 1: interviewed by the Guardian and the young woman I was like,

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Speaker 1: how'd you find me? She was like, brown a bithit,

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Speaker 1: I love you and Mandy.

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Speaker 2: I was like, what, you know?

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Speaker 1: I just thought that was so awesome. That happens more

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Speaker 1: and more. And I love when you guys come up

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Speaker 1: to me and give me the hugs I don't ask

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Speaker 1: for because you know, I'm uncomfortable with hugs, but you

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Speaker 1: give it to me anywhere and I love it. And

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Speaker 1: I love how you give me a hug for Mandy

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Speaker 1: And when you see Mandy, you're like, give this to Tiffany,

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Speaker 1: y give her two hugs. No, you guys are awesome, awesome, awesome.

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Speaker 1: I just yeah, so yeah, So just thank you, honestly,

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Speaker 1: thank you.

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Speaker 2: I love you guys. You make this show happen. Go

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Speaker 2: leave reviews if you haven't yet and you're new to

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Speaker 2: the show. Reviews really help us get seen more in

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Speaker 2: the iTunes environment. So leave reviews if you can, tell

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Speaker 2: a friend, and just make sure you subscribe and keep listening.

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Speaker 2: Thank you guys so much.

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Speaker 1: So what's happening on this rainy day for you?

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Speaker 2: Oh so rainy let's see what happened. My dog walker

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Speaker 2: canceled last minute. It's unfortunate. I'm getting a window into

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Speaker 2: just what it is to try. And I mean, my

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Speaker 2: friends always tell me you can't compare a dog to

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Speaker 2: a child, but I'm like, I really have to keep

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Speaker 2: this thing alive. And I have like work to do.

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Speaker 2: And the last week our dog walker locked himself out.

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Speaker 2: We've had some dog walker drums, you know, and the

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Speaker 2: cost of dog walking is like starting.

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Speaker 1: To add up.

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Speaker 2: And then she was sick over the weekend and I

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Speaker 2: was like, you know, if you're if you're like a

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Speaker 2: pet parent, you have that you have that really terrible

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Speaker 2: thought in your head, like should I take her to

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Speaker 2: the vet? Oh, it's gonna cost money? Is it worth it?

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Speaker 2: You're fine? And we had this, you know, and it's

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Speaker 2: like an animal. And I was looking at her life

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Speaker 2: like you're not that sick, are you, and thinking she

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Speaker 2: pulled through, you know, fine, it was fine. But yeah,

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Speaker 2: we haven't gotten pet insurance yet, so, you know, just

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Speaker 2: her first round of you know, going for her checkup,

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Speaker 2: not even get shots or anything like that, just to

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Speaker 2: get like a checkup and a couple of tests run.

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Speaker 2: I ended up spending three hundred four hundred dollars at

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Speaker 2: the event over the course of two days. So out I.

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Speaker 1: Should probably ped insurance work.

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Speaker 2: Just like regular health insurance, except without you know, the

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Speaker 2: benefit of the Affordable Care Act. You know, pets right

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Speaker 2: now can be discriminated against by insurers for things like

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Speaker 2: pre existing conditions or yeah, or even like if you're

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Speaker 2: a breed that tends to have certain health complications or

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Speaker 2: is more predisposed to have certain problems, insurers can deny

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Speaker 2: you coverage or charge you more based on the breed.

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Speaker 2: So there's that. But yeah, you just pay it like

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Speaker 2: a monthly premium and then you most likely you have

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Speaker 2: a deductible whenever you need it. You know, some pet

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Speaker 2: insurance covers preventative care. Some it's like catastrophic. So I'm

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Speaker 2: thinking about getting a catastrophic policy, which is a lot

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Speaker 2: of what a lot of pet owners do, which is like,

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Speaker 2: you know, if she were to get an act like

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Speaker 2: hit by a car, oh god, I hope not, or

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Speaker 2: getting a fight with a dog and you know, she

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Speaker 2: breaks her arm, or she gets really ill because she

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Speaker 2: eats something off, whatever, something really dramatic happens, it would

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Speaker 2: cover something like that. I'm thinking about that, and then

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Speaker 2: I'll just like keep money saving the side for those

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Speaker 2: routine you know, preventive care checkups and whatnot. We'll see.

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Speaker 2: But that's where I think people get in trouble with

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Speaker 2: pets is when something really unexpected happens and then it's

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Speaker 2: a huge bill.

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Speaker 1: All yeah, because I can't remember I had a So

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Speaker 1: I had a cat when I was a I think

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Speaker 1: when din't I get it, I had to get it,

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Speaker 1: like maybe like.

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Speaker 2: The cat that went to live with your neighbor.

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Speaker 1: Yeah, send the trader whatever. I'm not even mad at center,

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Speaker 1: because you know, I couldn't give her the life to

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Speaker 1: see deserved. She had to be out. But I remember,

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Speaker 1: like because that was one of the things, like I

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Speaker 1: begged my dad for this cat, and he's like, fine,

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Speaker 1: you have to take care of everything, Like I'll drive

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Speaker 1: you to the vet, but you have to pay for everything.

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Speaker 1: And I had, you know, I babysat and and you know,

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Speaker 1: I did like kind of little odd jobs around the neighborhood.

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Speaker 1: And I remember like I took her to the vet,

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Speaker 1: and like I remember, our bill was like one fifty

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Speaker 1: and I was like wait and and my dad was

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Speaker 1: like mmmm. But I paid it honestly, because you know,

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Speaker 1: that was my baby. I was like, whatever, whatever she needs.

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Speaker 1: I remember once I was so scared. I didn't you know,

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Speaker 1: I was I was young, so I didn't know anything

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Speaker 1: about heat, like animals going into heat, and she like,

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Speaker 1: when cat's going to heat, they do this like arching

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Speaker 1: back thing, you know. Basically, yes, they took the day

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Speaker 1: backing that thing up, you know, and I didn't know.

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Speaker 2: I just was like, what's wrong, Oh, you took her

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Speaker 2: for that? Yeah I did, And of course was like

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Speaker 2: she's just horny.

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Speaker 1: My dad of course was giggling me while made me

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Speaker 1: waste all my money. I guess you wanted be to

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Speaker 1: learn a lesson. I was like, my cat is sick.

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Speaker 1: She's sick, she's back in that thing of like yeah,

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Speaker 1: and so I had to pay for I got. I

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Speaker 1: got her newterd because I was like, she was like

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Speaker 1: an outside inside cat, so you know, so I was

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Speaker 1: like okay, and and so, but that was not cheap,

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Speaker 1: you know, and I paid for that out of pocket

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Speaker 1: like myself. And so it was just a really good

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Speaker 1: learning lesson of like you know, taking care of something

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Speaker 1: that needed you and setting inside that money. And yeah,

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Speaker 1: I was like, now the neighbors have her, the neighbors

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Speaker 1: have my kids, maybe me, and while she had everything

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Speaker 1: she needed whatever, whatever, Cinder, I hope you enjoyed your life.

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Speaker 2: Thank your name, per cut.

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Speaker 1: Well, so this is kind of random, but today, uh,

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Speaker 1: it didn't happen today because of the rain. But so

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Speaker 1: the city of Newark, you know how like Detroit still no,

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Speaker 1: not Detroit, Flint still does not have clean water.

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Speaker 2: Yes, and just came out. They dropped criminal charges against

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Speaker 2: basically everybody involved, which is just inculpable.

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Speaker 1: And you know, so I didn't fully understand, like, you know,

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Speaker 1: like what does it take? So I in Newark there

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Speaker 1: was like an expos I don't know. Something happened when

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Speaker 1: they were testing water and they found that Newerk, you know,

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Speaker 1: because New York is a very old city, had lead

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Speaker 1: pipes and there was like not every section of newer

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Speaker 1: because some sections are newer, but some sections are newer

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Speaker 1: were affected with lead in the water. So it was

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Speaker 1: like this whole big thing, and I have to say,

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Speaker 1: I'm really impressed with the way the city handled it.

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Speaker 1: Like one as soon as it came out, I'm sure

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Speaker 1: they knew already, but whatever, but as soon as it

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Speaker 1: came out, they handed out like you could get free

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Speaker 1: water filters, and then they instantly started like a replacement program.

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Speaker 1: So one it started, the first phase was getting tested,

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Speaker 1: like you signed up and it was free. They like

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Speaker 1: hired contractors from around local contractors from around the city

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Speaker 1: and its surrounding areas to come test. So someone came

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Speaker 1: to our house, our new house, and tested our inside

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Speaker 1: pipe and luckily it was copper, so copper pipes are fine.

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Speaker 1: And then then they would test the outside pipes. And

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Speaker 1: I mean, you did have to pay, because I believe

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Speaker 1: my contractor was telling me that if I had to

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Speaker 1: pay to replace the waterline in the street, that's over

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Speaker 1: ten thousand dollars. So the City of Newark said the

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Speaker 1: maximum you would have to pay to replace the copper

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Speaker 1: or to replace your water lines inside and outside the

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Speaker 1: house is one thousand dollars, which I don't know why

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Speaker 1: you'd have to pay to replace copper lines outside your house,

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Speaker 1: but whatever, And so I was like okay, so I

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Speaker 1: signed up. They came by they said it's copper on

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Speaker 1: the inside. And then so that means I just have

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Speaker 1: whatever pipes are in the streets. So they're gonna replace

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Speaker 1: they were supposed to do it today but it rained.

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Speaker 1: But I just thought, like when I tell you, Mandy,

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Speaker 1: it was so systematic. It was like, hey, here are

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Speaker 1: your your filters? Then too, you know, sign up to

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Speaker 1: have someone come by and check check your pipes because

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Speaker 1: not everyone is affected. Then three phase three is okay,

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Speaker 1: we're going like block by block to get you scheduled.

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Speaker 1: And so our neighbors across the street they got theirs

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Speaker 1: done today, like I said, because it was raining, they

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Speaker 1: had to stop to do ours. But I just thought, like,

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Speaker 1: I don't why hasn't this been done, you know what

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Speaker 1: I mean. I know it's probably affected more so than Newark,

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Speaker 1: but just watching the way Newark has handled it, I'm wondering,

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Speaker 1: like why is this not being handled in that way,

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Speaker 1: this systematic like approach, like this grid approach to like

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Speaker 1: affected areas, you know.

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Speaker 2: I mean, I wonder if Newark is reacting to the

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Speaker 2: crisis in Flint like they don't want the same nightmare.

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Speaker 1: Absolutely, I mean you can't have. They literally were finding

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Speaker 1: like some of the schools had like in the water

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Speaker 1: fountains had led like lead, Like that water had lead

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Speaker 1: in it. That's how it all started. I don't know

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Speaker 1: who tested it at first, but that came out and

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Speaker 1: it kind of tumbled out to like it just in

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Speaker 1: general that Newark because it was such an old city

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Speaker 1: that many of the pipes were still led pipes, and

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Speaker 1: so I just was just like really, like, you know,

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Speaker 1: like it's disappointing that you know, it took all of this,

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Speaker 1: but the fact that it's being like, you know, I

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Speaker 1: think it's like a two year and like the two yeah,

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Speaker 1: I think it was like two years. That's what I

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Speaker 1: read that the whole city should be like lead pipe free,

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Speaker 1: which is great, but it just made me think of

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Speaker 1: Flint and asking like, are people so busy like trying

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Speaker 1: to pass the buck that they're not just doing something

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Speaker 1: about it?

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Speaker 2: You know, Yes, that's what's happening, and uh, low income

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Speaker 2: brown children are suffering. I think what happened with Flint

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Speaker 2: is a pediatrician noticed it, like a or a researcher

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Speaker 2: was looking at data from a pediatrician or youth in

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Speaker 2: that area and then saw the patterns because it impacts

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Speaker 2: it's really dangerous for children lead poisoning because it could

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Speaker 2: just cause all kinds of developmental issues. My dad just

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Speaker 2: texted me telling me not to go to the Dominican Republic.

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Speaker 2: I'm like, great that news has reached the parents of America.

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Speaker 1: I saw that, Yeah, So like is it all the

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Speaker 1: same thing? Because some of it, I like, I was like,

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Speaker 1: was it somebody attacked or is it just all the alcohol?

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Speaker 1: Like I was confused as to like how they were

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Speaker 1: aside from it being in the Dominican Republic. Were the

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Speaker 1: deaths like related out of that, you know.

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Speaker 2: So for those who haven't been watching Good Morning America

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Speaker 2: like my dad does every day religiously, there have been

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Speaker 2: this this spate of just unexplained deaths happening to people

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Speaker 2: who are vacationing in the Dominican Republic and Punzakana, where

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Speaker 2: you know, my husband's family is Dominicans. So I've been

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Speaker 2: to several like Dominican vacations and weddings and stuff, and

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Speaker 2: these are all inclusive resorts and they're you know, you know,

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Speaker 2: they're like a luxury vacation destination. So the fact that

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Speaker 2: these tourists have been dying, although the country still says

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Speaker 2: that they're not related at all, it is kind of

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Speaker 2: it's becoming like suspicious, you know. It's it's a lot

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Speaker 2: of people yeah, my and my friends were texting earlier.

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Speaker 2: Would you go to dr and I don't? I mean,

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Speaker 2: you know it's I would wait to. I mean I

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Speaker 2: feel like I feel bad for people who have booked

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Speaker 2: vacations and don't have trip protection. Yeah, because then you're

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Speaker 2: just like, well, you know, what are the odds all?

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Speaker 1: Go? Right? I know I always think that, right when

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Speaker 1: what something is? He like, I mean, is it really

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Speaker 1: likely to happen to me?

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Speaker 2: Or yeah? So yeah, I mean you know there's yeah,

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Speaker 2: low odds, but uh, be careful out there if you're traveling.

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Speaker 1: Yeah, so this is like also random too. I think

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Speaker 1: I'm going to write a traditional book. Well, let me

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Speaker 1: not say traditional book because I've written obviously books before.

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Speaker 1: But I think I'm going to traditionally publish a book.

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Speaker 2: Right, you're wait, are you traditionally publishing the children's book?

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Speaker 1: No, because I don't want anybody to own Molly Moore?

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Speaker 1: But why so yeah no, yeah, so a different book

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Speaker 1: because a couple of publishers, like big name publishers. If

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Speaker 1: I would to say that, you'd be like, I know that,

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Speaker 1: and then they've reached out and it's like other publishers

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Speaker 1: have reached out before I just was kind of like, nah, no, no, no,

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Speaker 1: but I don't know for some reason, like two or

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Speaker 1: three in particular, maybe saying hmmm, I might be interested.

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Speaker 1: But then I said, well, I have to get an

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Speaker 1: agent because I don't want to navigate that space alone.

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Speaker 1: You know. I'm like, I'm wise enough to know now

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Speaker 1: that you don't go those things alone. So I reached

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Speaker 1: out to a couple of people, and i'd spoken at

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Speaker 1: south By Southwest. Gene Chatsky. You've probably seen her on

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Speaker 1: the Today Is It Today Show?

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Speaker 2: Or I think she's the Today Show financial expert.

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Speaker 1: Yeah, yeah, super nice, and I think I met her

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Speaker 1: at Fincon and then I was on her like podcast

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Speaker 1: or something like that. She's just a really nice woman.

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Speaker 1: So she'd asked me to speak at south By Southwest Edu,

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Speaker 1: which is like the educational south By Southwest right like

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Speaker 1: the day before the regular south By Southwest, and we

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Speaker 1: spoke on Time Magazine had like a panel about kids

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Speaker 1: and money. So anyway, so she was telling me about

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Speaker 1: her new book called I think it's called Women in Money.

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Speaker 1: She's like, you know, like, and I was like, oh

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Speaker 1: my gosh, that's great, and then it like dropped my memory.

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Speaker 1: I was like, do you have do you have a

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Speaker 1: book agent? And she's like, yes, I have a kick

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Speaker 1: ass book agent. She's awesome. And so she introduced me

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Speaker 1: and she is kick ass. Like, first of all, you know,

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Speaker 1: like I'm not a huge curser, but I kind of

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Speaker 1: like a people curse.

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Speaker 2: Yes, we have talked about this, the cursing book agent. Yes,

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Speaker 2: tell me yes.

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Speaker 1: So she's like really like I love her, She's great.

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Speaker 1: And then we were talking about so this book agent

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Speaker 1: did the four hour workweek. I was like, hold up,

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Speaker 1: wait a minute, isn't that awesome?

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Speaker 2: Oh that's the famous book by that guy. What's his name,

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Speaker 2: Tim Ferriss, Yes, Productivity, Yes, correct.

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Speaker 1: Yes, and so yeah, so I just thought like, well,

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Speaker 1: she's started her own business. She's not whatever whatever agency

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Speaker 1: that she did that through. But I just thought like wow,

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Speaker 1: it just you know, was like this is awesome and amazing,

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Speaker 1: and she honestly super nice. I met her in New

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Speaker 1: York and she just gave me like my homework I

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Speaker 1: have to do, like my proposals to like a month

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Speaker 1: a month or so. But yeah, I'm excited, you know,

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Speaker 1: like I never really thought about traditionally publishing, but there

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Speaker 1: are some benefits because no matter what you know, you're

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Speaker 1: obviously like the no one takes self publishing a serious

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Speaker 1: obviously as traditional publishing. But for me, I didn't really

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Speaker 1: care about that because I was like, well, I'm only

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Speaker 1: here to be serious to dreamcatchers my audience, you know.

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Speaker 1: And so because those books have done really well. And

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Speaker 1: plus two, you know, when you publish traditionally, you really

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Speaker 1: don't get I mean, if you don't get a good advance,

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Speaker 1: you don't really make much money on the back end,

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Speaker 1: you know, right, I mean, you know there's some things

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Speaker 1: you could do to negotiate, but still nothing, I mean,

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Speaker 1: nothing compares to getting seventy percent of your own book

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Speaker 1: versus whatever it is. You know that you get traditional publishing.

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Speaker 1: So I'm excited. So I'm the good thing is but Lynette,

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Speaker 1: you know our fairy, our fairy financial godmother that we

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Speaker 1: all love, Lynette Kaw f Annie Hawks. I think she's

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Speaker 1: on Good Morning America. She's the like the go to

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Speaker 1: financial expert there. So she was telling me because Lynette

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Speaker 1: has a a New York Times bestseller I think a

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Speaker 1: couple of them, but she has traditionally published and published

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Speaker 1: also self published. She said, the great thing about having

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Speaker 1: at least one or two traditionally published books is that

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Speaker 1: when people love them, people tend to like buy all

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Speaker 1: your books, you know, like, oh my god, I love Lynette.

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Speaker 1: So she was like, it kind of like gives you

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Speaker 1: more sale in where you get more money anyway, which

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Speaker 1: is you know, the ones that you self published. So

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Speaker 1: she was like, you know, she kind of gave me

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Speaker 1: like the like the thumbs up, go ahead, like do

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Speaker 1: it girl. So I'm excited, you know, I'm I'm still

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Speaker 1: trying to figure out like what to the book. I mean,

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Speaker 1: obviously personal finance, but like you know, what to the

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Speaker 1: book kind of like be about because I figure I

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Speaker 1: feel like I've covered, you know, so many other topics

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Speaker 1: and so yeah, I'm just I'm just really excited. And

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Speaker 1: it's exciting because that book, Tim Ferris's book before our

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Speaker 1: work week, that book I used to read it during

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Speaker 1: that time when the kids were asleep when I taught

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Speaker 1: preschool for ten years, and it really helped me to

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Speaker 1: start the budget Neista. I remember I had like a

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Speaker 1: notebook full of notes and like it just really helped

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Speaker 1: to like jump start like what I'm doing now. So

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Speaker 1: what a full circle moment right, like she played this

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Speaker 1: huge role in that and and you know, and that

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Speaker 1: really helped that book play the huge role into what

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Speaker 1: I'm doing now. So I'm like, look in, look at good.

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Speaker 2: So you don't know what it'll be about, y'all. I'm

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Speaker 2: still figuring it out.

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Speaker 1: Yeah, I mean, I know it's going to be about

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Speaker 1: personal finance obviously, but in what realm like for example,

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Speaker 1: you know, don't have my literature challenge books. I've talked

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Speaker 1: about budgeting. I have a budget book, I have a

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Speaker 1: savings book, a credit book, you know. So it's kind

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Speaker 1: of like, well, what you know, what how about this, y'all?

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Speaker 1: Tweet me or like write under my Instagram post like

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Speaker 1: what if you wanted a book for me? Like, you know,

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Speaker 1: what would it be? So I have some ideas kind

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Speaker 1: of swirling. I'm gonna save some of them to myself

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Speaker 1: when I think, you know, I'll tell you offline, Mandy,

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Speaker 1: but I you know, but I am really curious as

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Speaker 1: that what do people actually need and want? And so

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Speaker 1: she gave me some really great idea So I'm kind

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Speaker 1: of like doing some research now. We have a few,

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Speaker 1: like I'd written a few like social media posts like

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Speaker 1: in the past, asking what people really needed help with,

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Speaker 1: so I can get just an understanding of what do

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Speaker 1: people really need and how do I deliver that. So

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Speaker 1: but you can tweet me at the Budgetista or you know,

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Speaker 1: post under my Instagram. The Budgetista was like, girl, I

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Speaker 1: would love it for you to write about this or

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Speaker 1: I'm struggling with this or whatever that looks like, because

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Speaker 1: that would be really helpful because I don't want to

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Speaker 1: write a book that you don't need, you know, So

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Speaker 1: I'm excited. And so I actually picked up his book

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Speaker 1: The Four Hour Workweek from Barnes and Noble today because

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Speaker 1: I I am the type that when I the books

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Speaker 1: that I like to write, I liked for them to

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Speaker 1: have a formula, you know, like here are concrete steps

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Speaker 1: with concrete things that you can do, not just like

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Speaker 1: a book like that's just kind of like talking and like,

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Speaker 1: you know, like theorizing about things I like to say today,

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Speaker 1: pick up a pen and write this thing down. So

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Speaker 1: and his book is like, you know, in alignment with that,

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Speaker 1: So I was like, let me pick it up and

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Speaker 1: kind of get that energy that helped me move that

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Speaker 1: trance to help to transform my life. Because I want

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Speaker 1: my book to have a similar energy in that it's transformative,

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Speaker 1: but in a like a real way, you.

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Speaker 2: Know, making me feel bad. I've never read that book before.

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Speaker 1: I know I need to.

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Speaker 2: I'm like the only person who's ever read it. I'm

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Speaker 2: gonna pick it up too.

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Speaker 1: Yeah it's a good Honestly, it's a really good book.

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Speaker 1: It's just yeah, I mean it was really like I said,

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Speaker 1: it was helpful, and it didn't. It didn't feel like,

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Speaker 1: you know, he was talking over my head. It was

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Speaker 1: just he was like one of the first guys to

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Speaker 1: write in that bro language, you know, like you know,

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Speaker 1: not like because most of these books, these business books

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00:20:02,240 --> 00:20:04,400
Speaker 1: are written by like I've got my MBA and I've

431
00:20:04,400 --> 00:20:07,040
Speaker 1: got my doctorates and you want to you know, but

432
00:20:07,200 --> 00:20:09,040
Speaker 1: he was like, hey, what's up, guys, Like that book

433
00:20:09,119 --> 00:20:12,000
Speaker 1: is very much like that brosky kind of language. And

434
00:20:12,040 --> 00:20:14,840
Speaker 1: even though he's totally like a bro, I didn't feel

435
00:20:15,040 --> 00:20:17,800
Speaker 1: left out of the conversation. And somehow I felt like, Okay,

436
00:20:17,840 --> 00:20:18,520
Speaker 1: this is for me too.

437
00:20:20,200 --> 00:20:23,280
Speaker 2: Well that's so exciting. Okay, keep us posted, we'll do

438
00:20:56,600 --> 00:20:58,040
Speaker 2: Shall we take some questions?

439
00:20:58,600 --> 00:21:00,400
Speaker 1: Yes, let's all right.

440
00:21:00,560 --> 00:21:03,960
Speaker 2: To appease the audience. Who thinks I'm ignoring them? In

441
00:21:04,040 --> 00:21:06,480
Speaker 2: the regular email inbox, which I'm not. You can still

442
00:21:06,520 --> 00:21:09,520
Speaker 2: send us questions at Brannivision Podcasts at gmail dot com

443
00:21:10,960 --> 00:21:14,959
Speaker 2: or brannanbisionpodcast dot com. Ask us anything tab. The thing

444
00:21:15,040 --> 00:21:18,200
Speaker 2: about questions is sometimes I will skip questions if we've

445
00:21:18,240 --> 00:21:20,480
Speaker 2: already answered similar ones before. So I like to I

446
00:21:20,600 --> 00:21:23,280
Speaker 2: like to get a nice variety. So if we don't

447
00:21:23,320 --> 00:21:25,680
Speaker 2: answer your question, we can't get to every single question,

448
00:21:25,760 --> 00:21:27,919
Speaker 2: and sometimes it may just be that we've answered something similar.

449
00:21:28,000 --> 00:21:31,000
Speaker 2: So don't take it personally. We really appreciate you guys

450
00:21:31,040 --> 00:21:34,159
Speaker 2: sending questions in and we try to get to We

451
00:21:34,320 --> 00:21:35,920
Speaker 2: just try and get to the ones that are a

452
00:21:35,960 --> 00:21:37,080
Speaker 2: little bit different than we have it.

453
00:21:37,240 --> 00:21:43,080
Speaker 3: Don't take it personal. Who Mandy, quick, quick quick, don't

454
00:21:43,200 --> 00:21:47,880
Speaker 3: take it personal. Literally, just one of them days, Mandy.

455
00:21:48,280 --> 00:21:50,480
Speaker 1: That a girl goes through. Do I have to take

456
00:21:50,480 --> 00:21:51,440
Speaker 1: your black and brown cart?

457
00:21:54,400 --> 00:21:57,840
Speaker 2: You can? I think someone else has them. Actually, they've

458
00:21:57,840 --> 00:22:01,000
Speaker 2: been stolen so many times and revoked. I'm in debt.

459
00:22:01,880 --> 00:22:05,080
Speaker 1: I'm gonna take me like I have your millennial card. Now,

460
00:22:05,280 --> 00:22:08,000
Speaker 1: this card, I'm like, you know, yeah, so it's okay,

461
00:22:08,119 --> 00:22:09,840
Speaker 1: it's okay. We don't find I was like, but you

462
00:22:09,920 --> 00:22:11,159
Speaker 1: do know Monica the artist.

463
00:22:11,400 --> 00:22:15,359
Speaker 2: Yeah, I know Monica, No you don't, I guess I do.

464
00:22:15,600 --> 00:22:21,080
Speaker 2: Angel of My. I can only name two of her

465
00:22:21,119 --> 00:22:23,800
Speaker 2: songs though, that one and the Brandy What was it

466
00:22:23,880 --> 00:22:24,280
Speaker 2: the Boys?

467
00:22:25,840 --> 00:22:27,520
Speaker 1: Because Angel of Mine? I feel like it's less popular

468
00:22:27,560 --> 00:22:29,119
Speaker 1: than like Don't take a Wait? Is it one of

469
00:22:29,160 --> 00:22:31,840
Speaker 1: those that was her first song? Like the one of

470
00:22:31,920 --> 00:22:34,520
Speaker 1: them days? But anyway, anyway back to the questions.

471
00:22:34,359 --> 00:22:35,680
Speaker 2: Yeah, yeah, yeah, I was about to go into a

472
00:22:35,720 --> 00:22:38,320
Speaker 2: whole thing with my travel. Kay, okay, whatever should out

473
00:22:38,359 --> 00:22:43,720
Speaker 2: to Monica? Love her all? Right? Questions which I have

474
00:22:43,840 --> 00:22:46,280
Speaker 2: promptly lost as I was talking about them.

475
00:22:49,400 --> 00:22:49,760
Speaker 1: Here we go.

476
00:22:50,440 --> 00:22:56,359
Speaker 2: This question comes from Dizzle DG on Instagram. He says, hello,

477
00:22:56,560 --> 00:22:59,000
Speaker 2: who this is a guy? Okay, Hello, My wife and

478
00:22:59,040 --> 00:23:01,399
Speaker 2: I are working on I just corrected his grammar as

479
00:23:01,480 --> 00:23:03,080
Speaker 2: I was reading it, which I know was annoying, but

480
00:23:03,160 --> 00:23:06,399
Speaker 2: I sorry. I'm sorry, Dizzle. Hello. My wife and I

481
00:23:06,520 --> 00:23:09,000
Speaker 2: are working on saving money, but are having a hard

482
00:23:09,040 --> 00:23:11,520
Speaker 2: time putting money in places and leaving it there. Because

483
00:23:11,520 --> 00:23:13,680
Speaker 2: of that, we're looking into putting our money into things

484
00:23:13,720 --> 00:23:17,520
Speaker 2: that we can't easily access, like investing in mutual funds

485
00:23:17,640 --> 00:23:20,080
Speaker 2: ETFs or bonds. Do you think this is a good

486
00:23:20,119 --> 00:23:22,919
Speaker 2: idea or do you have any suggestions on better ideas

487
00:23:23,000 --> 00:23:27,040
Speaker 2: for this type of saving. I feel your pain. Yes,

488
00:23:27,200 --> 00:23:29,240
Speaker 2: you put the money away and then something happens and

489
00:23:29,320 --> 00:23:31,280
Speaker 2: you dip into it. I've been there before.

490
00:23:32,119 --> 00:23:34,040
Speaker 1: Yes, So I think we all feel like, like, how

491
00:23:34,080 --> 00:23:35,200
Speaker 1: do you hide money from yourself?

492
00:23:35,200 --> 00:23:37,960
Speaker 2: Mancha for a while, Like I used to be really

493
00:23:38,000 --> 00:23:42,160
Speaker 2: extreme about it. I had my checking account in one place,

494
00:23:42,280 --> 00:23:45,280
Speaker 2: and then I had like seven separate savings accounts and

495
00:23:46,040 --> 00:23:48,840
Speaker 2: another bank that where I could open up as money

496
00:23:48,840 --> 00:23:51,280
Speaker 2: as I wanted. Each savings account had a name. There

497
00:23:51,400 --> 00:23:52,800
Speaker 2: was like nation name.

498
00:23:53,200 --> 00:23:54,760
Speaker 1: You are men to judge me?

499
00:23:55,040 --> 00:23:58,360
Speaker 2: Well, this was me. I've toned it down over the years.

500
00:23:58,400 --> 00:24:01,920
Speaker 2: I've simplified things. Yeah, like the savings there was like

501
00:24:01,960 --> 00:24:05,280
Speaker 2: the emergency fund, there was the vacation fund, the Christmas

502
00:24:05,520 --> 00:24:08,160
Speaker 2: gift fund. I mean it was like I just remember

503
00:24:08,280 --> 00:24:13,400
Speaker 2: seven different savings accounts. Lately, I have used my I've

504
00:24:13,480 --> 00:24:16,000
Speaker 2: made peace with my like my four oh one K

505
00:24:16,240 --> 00:24:18,360
Speaker 2: automatic savings or my for those of you who don't

506
00:24:18,359 --> 00:24:20,679
Speaker 2: have a four oh one k your IRA. If ever

507
00:24:20,800 --> 00:24:23,800
Speaker 2: I'm feeling like I'm doing something wrong, I'm like, but

508
00:24:23,880 --> 00:24:26,520
Speaker 2: I'm still saving ten percent of my income each month

509
00:24:27,119 --> 00:24:29,199
Speaker 2: or ten to fifteen percent, depending on I Sometimes they

510
00:24:29,240 --> 00:24:32,399
Speaker 2: ratchet it up for retirement, and I always have like

511
00:24:32,480 --> 00:24:34,240
Speaker 2: peace of mind knowing that I had this money in

512
00:24:34,280 --> 00:24:38,080
Speaker 2: the bank and that I can't touch it without penalties,

513
00:24:38,240 --> 00:24:42,240
Speaker 2: you know, without tax penalties or or or taxes to

514
00:24:42,320 --> 00:24:45,280
Speaker 2: pay on it, because there's all these rules associated with it.

515
00:24:45,359 --> 00:24:47,720
Speaker 2: So I feel good about that. And then, you know,

516
00:24:47,760 --> 00:24:49,600
Speaker 2: if I dip into my savings once in a while,

517
00:24:50,560 --> 00:24:52,520
Speaker 2: especially when we were doing the house, like the savings

518
00:24:52,640 --> 00:24:56,399
Speaker 2: was like seriously depleted, I could at least feel comfort

519
00:24:56,480 --> 00:25:00,840
Speaker 2: knowing we never stopped saving for retirement. But as far as,

520
00:25:01,000 --> 00:25:03,560
Speaker 2: like you know, I do think it's you know, if

521
00:25:03,600 --> 00:25:05,199
Speaker 2: you're talking about it depends on what you guys are

522
00:25:05,240 --> 00:25:07,960
Speaker 2: saving for you and your wife. If you're saving for

523
00:25:08,880 --> 00:25:12,400
Speaker 2: that emergency fund where okay, leaky roof car breaks down,

524
00:25:12,480 --> 00:25:14,359
Speaker 2: you should have that money somewhere you can access that.

525
00:25:14,400 --> 00:25:16,399
Speaker 2: You just got to be disciplined, So try putting in

526
00:25:16,480 --> 00:25:18,560
Speaker 2: a different bank account that you don't have a debit

527
00:25:18,640 --> 00:25:21,399
Speaker 2: card tied to that you can't easily access. You know,

528
00:25:21,440 --> 00:25:23,920
Speaker 2: they don't have the account. Never memorize things like that.

529
00:25:25,280 --> 00:25:27,199
Speaker 2: But if we're talking about money that you don't need

530
00:25:27,280 --> 00:25:29,879
Speaker 2: for a year or two. Yes, I think CDs can

531
00:25:29,920 --> 00:25:32,440
Speaker 2: be great. You know, we opened our first couple of

532
00:25:32,560 --> 00:25:35,280
Speaker 2: CDs a year or two ago because rates were getting

533
00:25:35,280 --> 00:25:37,159
Speaker 2: a lot better than savings accounts and it seemed like

534
00:25:37,200 --> 00:25:39,960
Speaker 2: it made sense. So I'm a fan of that. And

535
00:25:41,480 --> 00:25:44,520
Speaker 2: you know, as far as like mutual funds ETFs, now

536
00:25:44,560 --> 00:25:48,080
Speaker 2: you're talking about investing, and you have to be aware

537
00:25:48,160 --> 00:25:50,560
Speaker 2: that if you're going to be saving in the market,

538
00:25:51,440 --> 00:25:54,640
Speaker 2: you know, it's more investing and you could the potential

539
00:25:54,680 --> 00:25:57,240
Speaker 2: for reward is higher, but the potential for losses is

540
00:25:57,320 --> 00:25:59,800
Speaker 2: higher too. So you know, you don't want to be

541
00:25:59,800 --> 00:26:04,720
Speaker 2: put in your emergency fund for you know, unexpected emergencies

542
00:26:05,240 --> 00:26:07,720
Speaker 2: tied up in the market, because you know what, if

543
00:26:07,760 --> 00:26:10,919
Speaker 2: something bad happens, then your backup plan is completely obliterated.

544
00:26:12,800 --> 00:26:14,719
Speaker 1: Yeah, I was gonna say that, like if I mean,

545
00:26:14,760 --> 00:26:16,920
Speaker 1: I would keep my emergency fund, you know, kind of

546
00:26:17,040 --> 00:26:19,800
Speaker 1: like locked away at like a an online only bank,

547
00:26:19,840 --> 00:26:22,280
Speaker 1: you can. I just actually sent somebody to Magnified Money yesterday.

548
00:26:22,359 --> 00:26:25,320
Speaker 1: I was one of my friends. We did like a barter.

549
00:26:25,760 --> 00:26:28,760
Speaker 1: She is like an amazing photographer, and so she was like, hey,

550
00:26:28,880 --> 00:26:30,360
Speaker 1: can you just like help me kind of like look

551
00:26:30,400 --> 00:26:31,680
Speaker 1: at my money and see like what I could do

552
00:26:31,800 --> 00:26:34,080
Speaker 1: to tighten up. I was like, sure, can I get

553
00:26:34,119 --> 00:26:37,680
Speaker 1: some free pictures? So we did a barn She's like sure,

554
00:26:38,160 --> 00:26:41,000
Speaker 1: and so she so, but we actually I actually told

555
00:26:41,000 --> 00:26:42,920
Speaker 1: her go on Magnified Like I took her on Magnified

556
00:26:42,960 --> 00:26:46,720
Speaker 1: money dot com. I was like, click savings and then

557
00:26:46,880 --> 00:26:48,719
Speaker 1: like I showed her like, see, these are like these

558
00:26:48,760 --> 00:26:51,200
Speaker 1: online only savings accounts that I really love, and look

559
00:26:51,280 --> 00:26:54,919
Speaker 1: for the ones that are a FDIC insured minimum deposit

560
00:26:55,200 --> 00:27:00,159
Speaker 1: like you know zero basically highest interest rate, and and

561
00:27:00,280 --> 00:27:01,760
Speaker 1: that you don't have to have a certain deposit in

562
00:27:01,880 --> 00:27:03,560
Speaker 1: order to like do you have you don't have to

563
00:27:03,600 --> 00:27:05,520
Speaker 1: maintain a certain deposit in order to get that industry.

564
00:27:05,600 --> 00:27:08,120
Speaker 1: And so she picked one that she felt like comfortable

565
00:27:08,200 --> 00:27:11,320
Speaker 1: with but saving like emergency funds there it at least

566
00:27:11,400 --> 00:27:13,040
Speaker 1: don't open up a checking account at that bank, but

567
00:27:13,080 --> 00:27:15,920
Speaker 1: it at least provided that buffer of like twenty four

568
00:27:16,000 --> 00:27:17,560
Speaker 1: to seventy two hours. That's how long it takes to

569
00:27:17,600 --> 00:27:20,240
Speaker 1: get your money back if you attach your online only

570
00:27:20,320 --> 00:27:23,840
Speaker 1: savings account to your traditional checking account, so it's checking

571
00:27:23,840 --> 00:27:26,760
Speaker 1: account at a different brick and mortar bank savings account online,

572
00:27:26,800 --> 00:27:29,320
Speaker 1: so that will help a little bit, because literally there's

573
00:27:29,320 --> 00:27:31,320
Speaker 1: no way for you to get your money except for

574
00:27:31,440 --> 00:27:33,200
Speaker 1: to make that transfer and wait at least twenty four

575
00:27:33,200 --> 00:27:37,160
Speaker 1: hours and then you know, outside of an emergency fund,

576
00:27:37,560 --> 00:27:39,840
Speaker 1: you know, I think most of us, if if we

577
00:27:40,000 --> 00:27:42,320
Speaker 1: keep money laying around too much or you know, we're

578
00:27:42,400 --> 00:27:44,879
Speaker 1: apt to spend it. And so yeah, so I mean

579
00:27:45,040 --> 00:27:49,320
Speaker 1: it are you that extra money if if it's saving

580
00:27:49,440 --> 00:27:51,520
Speaker 1: for a specific thing or it's just like there's this

581
00:27:51,640 --> 00:27:54,200
Speaker 1: extra money, and then you know, then I would look

582
00:27:54,240 --> 00:27:56,920
Speaker 1: to invest in I particularly like like Vanguard. These people

583
00:27:56,920 --> 00:27:58,440
Speaker 1: are not you know, mag Ifi. My money doesn't pay me.

584
00:27:58,440 --> 00:28:01,560
Speaker 1: They pay the Vaney though, but she worked there. But

585
00:28:02,520 --> 00:28:04,320
Speaker 1: but like Vanguard doesn't pay me anything. But I like

586
00:28:04,400 --> 00:28:06,120
Speaker 1: Vanguard as far as like if I'm going to look

587
00:28:06,119 --> 00:28:08,720
Speaker 1: for mutual funds and ets, and I like their philosophy

588
00:28:08,760 --> 00:28:12,000
Speaker 1: as a company. They've got a really low expense ratio,

589
00:28:12,400 --> 00:28:15,520
Speaker 1: which is basically the fee that they that they charge

590
00:28:15,560 --> 00:28:18,200
Speaker 1: you in order to in order to manage your money.

591
00:28:18,480 --> 00:28:19,840
Speaker 1: I think, like last of my check was like well

592
00:28:19,920 --> 00:28:22,480
Speaker 1: under one percent. I don't quote me, but I mean

593
00:28:22,600 --> 00:28:25,960
Speaker 1: that's the last time I checked. And so yeah, you

594
00:28:26,040 --> 00:28:27,639
Speaker 1: should be investing. I mean, I don't know, if there

595
00:28:27,800 --> 00:28:30,240
Speaker 1: you guys are investing, Like, are you setting aside at

596
00:28:30,359 --> 00:28:33,080
Speaker 1: least ten percent of your income for retirement? If that's

597
00:28:33,280 --> 00:28:35,560
Speaker 1: not the case, maybe start beefing that up a little bit.

598
00:28:36,119 --> 00:28:40,160
Speaker 1: But yeah, just having your money languishing is you know,

599
00:28:40,240 --> 00:28:41,960
Speaker 1: it's a problem we all have. I know, I've definitely

600
00:28:42,040 --> 00:28:44,720
Speaker 1: been there, and so I've been making changes, so it's

601
00:28:44,760 --> 00:28:46,600
Speaker 1: not just kind of sitting there doing nothing waiting to

602
00:28:46,640 --> 00:28:46,960
Speaker 1: be spent.

603
00:28:48,200 --> 00:28:50,000
Speaker 2: Yeah, and if you guys are, it sounds like the

604
00:28:50,080 --> 00:28:53,200
Speaker 2: problem is that you're putting money away, but then you're

605
00:28:53,320 --> 00:28:55,320
Speaker 2: finding that you need it for something. So maybe it's

606
00:28:55,440 --> 00:28:58,520
Speaker 2: like the symptom of a deeper issue, which could be

607
00:28:58,640 --> 00:29:01,080
Speaker 2: cash flow. Like, you know, take a look at your

608
00:29:01,160 --> 00:29:03,720
Speaker 2: expenses versus what you guys have have coming in. Do

609
00:29:03,760 --> 00:29:06,760
Speaker 2: you have unrealistic expectations of how much you can save?

610
00:29:07,840 --> 00:29:10,360
Speaker 2: You know, should you be starting smaller working your way up,

611
00:29:10,560 --> 00:29:12,480
Speaker 2: or are there some expenses you can cut to give

612
00:29:12,520 --> 00:29:14,920
Speaker 2: yourself more wiggle rooms you can put away more money

613
00:29:15,880 --> 00:29:18,320
Speaker 2: and you know, just you know, go easy on yourself.

614
00:29:18,800 --> 00:29:22,040
Speaker 2: Saving a little bit is better than nothing. So yeah,

615
00:29:22,160 --> 00:29:22,400
Speaker 2: take it.

616
00:29:22,520 --> 00:29:26,000
Speaker 1: Yeah slow and thank you your question. Yes, And I

617
00:29:26,120 --> 00:29:28,720
Speaker 1: like CDP. I know people are like CdSe like old people.

618
00:29:28,800 --> 00:29:30,800
Speaker 1: But I'm like no, I opened up CDs like for

619
00:29:30,920 --> 00:29:32,360
Speaker 1: my my nieces and my nephews.

620
00:29:33,120 --> 00:29:35,400
Speaker 2: I mean, CD rates are now cooling off because the

621
00:29:35,480 --> 00:29:38,440
Speaker 2: FED has stopped raising rates every which way like they

622
00:29:38,520 --> 00:29:42,520
Speaker 2: were for the past you know, decade. It it felt like,

623
00:29:44,320 --> 00:29:46,360
Speaker 2: or certainly the last few years, rates were just going

624
00:29:46,480 --> 00:29:48,640
Speaker 2: up all the time, and now they've slowed down. So

625
00:29:48,760 --> 00:29:51,000
Speaker 2: CD rates have slowed down too. But if you're if

626
00:29:51,040 --> 00:29:54,880
Speaker 2: you're torn between savings versus CDs, just ask yourself, well

627
00:29:54,920 --> 00:29:57,400
Speaker 2: you need the money, you know, before that CD rate

628
00:29:57,560 --> 00:29:59,960
Speaker 2: is up. Do you really really not need the money

629
00:30:00,680 --> 00:30:02,880
Speaker 2: before you tie it up in a CD and then

630
00:30:03,040 --> 00:30:06,240
Speaker 2: compare rates you know, sites like yes, Magnify Money, but

631
00:30:06,320 --> 00:30:08,720
Speaker 2: there's other sites too. You can easily compare rates online

632
00:30:08,760 --> 00:30:11,680
Speaker 2: now to be sure you getting the best deal out there.

633
00:30:13,200 --> 00:30:17,600
Speaker 2: Thanks for your question, Dizzodig, and let's go to an

634
00:30:17,640 --> 00:30:20,680
Speaker 2: email question from listener Aria. I hope I said that right.

635
00:30:21,720 --> 00:30:25,040
Speaker 2: Credit card question. Aria says, I'm twenty five years old,

636
00:30:25,160 --> 00:30:27,280
Speaker 2: young professional with a credit score a little over seven

637
00:30:27,360 --> 00:30:29,840
Speaker 2: hundred can grass girl? I think my credit score is

638
00:30:29,840 --> 00:30:32,760
Speaker 2: over seven hundred and twenty five. I have student debt

639
00:30:32,800 --> 00:30:35,360
Speaker 2: in a car loan. I'm working to get refinanced, but

640
00:30:35,400 --> 00:30:38,440
Speaker 2: I'm looking into applying for my first credit card, and

641
00:30:38,520 --> 00:30:40,560
Speaker 2: I'm at a loss. My mom's telling me to go

642
00:30:40,640 --> 00:30:43,800
Speaker 2: through Wells Fargo. Of course she is, and other friends,

643
00:30:44,720 --> 00:30:47,400
Speaker 2: all of your friends are telling me Capital One or Discover.

644
00:30:48,240 --> 00:30:50,800
Speaker 2: I foresee myself traveling often in the future, so I

645
00:30:50,840 --> 00:30:53,760
Speaker 2: would potentially like a card where I can get points, rewards,

646
00:30:53,840 --> 00:30:57,000
Speaker 2: or miles. I currently have a best Buy credit card.

647
00:30:57,040 --> 00:30:59,719
Speaker 2: So this isn't your first credit card then, yeah, but uh,

648
00:31:00,200 --> 00:31:02,280
Speaker 2: I currently have a best Buy credit card and a

649
00:31:02,400 --> 00:31:05,000
Speaker 2: Care credit card for health care expenses. I don't use

650
00:31:05,080 --> 00:31:06,800
Speaker 2: them often, but when I do, I pay them off

651
00:31:06,840 --> 00:31:10,720
Speaker 2: within the month. Proven to myself, I'm financially responsible, so

652
00:31:11,000 --> 00:31:13,160
Speaker 2: I trust myself with the card now. So she's looking

653
00:31:13,240 --> 00:31:17,280
Speaker 2: for her next credit card, not her very first credit card. Well,

654
00:31:17,320 --> 00:31:19,720
Speaker 2: it's great that you've, you know, gotten those other two

655
00:31:19,760 --> 00:31:23,760
Speaker 2: credit cards improved. You can be responsible, yes with those, Yeah,

656
00:31:24,360 --> 00:31:26,600
Speaker 2: that's the key. And I don't think I'm thinking the

657
00:31:26,640 --> 00:31:28,720
Speaker 2: best Buy credit card doesn't have I think my husband

658
00:31:28,760 --> 00:31:31,360
Speaker 2: has one. They doesn't have an annual fee, and Care we.

659
00:31:31,400 --> 00:31:33,640
Speaker 1: Have we have one too, of Best Buy credit card.

660
00:31:34,000 --> 00:31:35,960
Speaker 1: Superman has one. I don't think there's annual fee.

661
00:31:36,160 --> 00:31:37,920
Speaker 2: Yeah, that care credit card you got to be careful

662
00:31:37,960 --> 00:31:41,000
Speaker 2: with because they're the ones that tell you will give

663
00:31:41,080 --> 00:31:44,479
Speaker 2: you six percent zero percent interest financing to get your

664
00:31:44,600 --> 00:31:46,840
Speaker 2: you know, invisi line or to take your you know,

665
00:31:47,080 --> 00:31:50,640
Speaker 2: take your dog for surgery or whatever. And then if

666
00:31:50,680 --> 00:31:54,440
Speaker 2: you don't pay off the debt before that interest period,

667
00:31:54,560 --> 00:31:58,640
Speaker 2: that intro promotional period's over, they slap you with deferred

668
00:31:58,680 --> 00:32:01,520
Speaker 2: interests usually, which is like pretend as if you were

669
00:32:01,560 --> 00:32:04,040
Speaker 2: paying interest all along, but they just waited until then

670
00:32:04,080 --> 00:32:05,120
Speaker 2: to slap it onto your bill.

671
00:32:05,280 --> 00:32:08,360
Speaker 1: Yeah, and it sucks. So that's good to be mindful,

672
00:32:08,520 --> 00:32:10,200
Speaker 1: I would say, honestly, of course you like you like

673
00:32:10,240 --> 00:32:12,560
Speaker 1: Mandy said. Of course your mom said, wells Parker, because

674
00:32:12,560 --> 00:32:17,000
Speaker 1: you know, like they like try true. Yes, I made

675
00:32:17,040 --> 00:32:20,960
Speaker 1: a physical bag. You don't, honestly, like Mandy and I

676
00:32:21,040 --> 00:32:21,480
Speaker 1: both have that.

677
00:32:21,600 --> 00:32:21,920
Speaker 2: What is it?

678
00:32:22,040 --> 00:32:23,760
Speaker 1: I always call it go ahead girl.

679
00:32:23,920 --> 00:32:24,960
Speaker 2: Chase good Time cards.

680
00:32:27,200 --> 00:32:29,680
Speaker 1: I never get the name of it right, But it's

681
00:32:29,720 --> 00:32:32,200
Speaker 1: really the Sapphire Reserve, right, is that what it's called?

682
00:32:33,000 --> 00:32:35,600
Speaker 2: Yeah, the Chase Sapphire Reserve. So if you but the

683
00:32:35,640 --> 00:32:37,080
Speaker 2: thing about this card, I don't know if I would

684
00:32:37,120 --> 00:32:39,480
Speaker 2: recommend that card for her, and remember we're not you know,

685
00:32:39,640 --> 00:32:41,720
Speaker 2: let's take your advice with the grain of salt.

686
00:32:42,040 --> 00:32:44,640
Speaker 1: Yeah, I forgot the monthly the annual fee, Yeah, I

687
00:32:44,640 --> 00:32:45,120
Speaker 1: wouldn't do.

688
00:32:45,160 --> 00:32:47,720
Speaker 2: That because these cards are sexy, the Chase Reserve and

689
00:32:47,800 --> 00:32:50,640
Speaker 2: other you know, lucrative travel rewards cards because they give

690
00:32:50,680 --> 00:32:54,080
Speaker 2: you that three points per dollars spent on things like

691
00:32:54,200 --> 00:32:56,000
Speaker 2: travel and eating out. And then they give you that

692
00:32:56,120 --> 00:32:58,920
Speaker 2: three hundred dollars travel credit per year where they reimburse

693
00:32:58,960 --> 00:33:01,800
Speaker 2: you for everything from Uber to train fair to air fare,

694
00:33:02,720 --> 00:33:04,880
Speaker 2: and they give you these perks, but they charge what

695
00:33:05,040 --> 00:33:07,360
Speaker 2: is the annual fee, four hundred and fifty dollars.

696
00:33:07,640 --> 00:33:09,800
Speaker 1: But for me it's worth it. But it's just like

697
00:33:10,400 --> 00:33:11,880
Speaker 1: Berth there for you listening.

698
00:33:11,720 --> 00:33:14,239
Speaker 2: Especially twenty five years old, like, you know, you may

699
00:33:14,280 --> 00:33:18,360
Speaker 2: not want to go that just get to that extreme

700
00:33:18,480 --> 00:33:22,000
Speaker 2: quite yet. I love a simple you know, you know,

701
00:33:22,120 --> 00:33:24,400
Speaker 2: you say they're traveling often in the future, but think

702
00:33:24,440 --> 00:33:27,560
Speaker 2: about your day to day spending habits today and I

703
00:33:27,600 --> 00:33:30,800
Speaker 2: would say, a nice flat rate cash back credit card

704
00:33:30,880 --> 00:33:32,600
Speaker 2: that's going to give you a flat rate on all

705
00:33:32,640 --> 00:33:35,600
Speaker 2: your purchases. Like I've been a fan of the City

706
00:33:35,640 --> 00:33:38,560
Speaker 2: Double Cash card myself, because you get one percent when

707
00:33:38,640 --> 00:33:41,320
Speaker 2: you make your purchase and then you get another percent

708
00:33:41,360 --> 00:33:43,720
Speaker 2: when you pay off the card each month, so really

709
00:33:43,760 --> 00:33:47,480
Speaker 2: it's a two percent cash back, flat rate card. I

710
00:33:47,560 --> 00:33:49,520
Speaker 2: think that's a solid card to have in your wallet

711
00:33:49,600 --> 00:33:52,760
Speaker 2: for every day spending. If you want the travel reward

712
00:33:52,920 --> 00:33:55,480
Speaker 2: card without the high annual fee, you could take a

713
00:33:55,560 --> 00:34:00,160
Speaker 2: look at Uber. Uber has a travel card out now.

714
00:34:00,200 --> 00:34:01,760
Speaker 2: I think it doesn't have an annual feed and it

715
00:34:01,800 --> 00:34:07,520
Speaker 2: gives you four X points on spending like travel and dining,

716
00:34:07,680 --> 00:34:11,000
Speaker 2: and it has some kind of perks for Uber rides itself,

717
00:34:11,080 --> 00:34:16,160
Speaker 2: I think. And then what was I thinking of? Oh,

718
00:34:16,280 --> 00:34:19,279
Speaker 2: the step down from the Chase Reserve is the Chase

719
00:34:19,280 --> 00:34:22,680
Speaker 2: Sapphire Preferred, which I think is ninety five dollars. And again,

720
00:34:22,800 --> 00:34:25,960
Speaker 2: like check these cards out yourself. I'm just rattling off

721
00:34:25,960 --> 00:34:27,719
Speaker 2: the top of my head, but make sure you know

722
00:34:27,800 --> 00:34:31,120
Speaker 2: the most recent terms on these cards. But Chase Fire

723
00:34:31,160 --> 00:34:34,480
Speaker 2: Preferred I think is two points on travel and then

724
00:34:34,520 --> 00:34:37,359
Speaker 2: it's ninety five dollars a year. So as long as

725
00:34:37,440 --> 00:34:40,279
Speaker 2: you think you'll travel enough to make at least that

726
00:34:40,440 --> 00:34:43,480
Speaker 2: much money and rewards are more ideally, then it can

727
00:34:43,560 --> 00:34:44,000
Speaker 2: be worth it.

728
00:34:45,520 --> 00:34:49,760
Speaker 1: Yeah, and you know, being mindful, like, take it slow, don't.

729
00:34:50,160 --> 00:34:52,080
Speaker 1: It's easy to get a credit card, I mean, because

730
00:34:52,120 --> 00:34:53,840
Speaker 1: you have your best By card and you have the

731
00:34:53,880 --> 00:34:57,200
Speaker 1: other your care card. But the thing is those you know,

732
00:34:57,360 --> 00:34:59,439
Speaker 1: are pretty limited, like you spend it at best Spot,

733
00:34:59,560 --> 00:35:02,239
Speaker 1: So having a card that you can use anywhere is

734
00:35:02,280 --> 00:35:06,440
Speaker 1: a different animal. So you know, just adhere to that

735
00:35:06,640 --> 00:35:09,200
Speaker 1: same rule of paying it off in full by the

736
00:35:09,320 --> 00:35:12,120
Speaker 1: month and you'll be you know, you'll be good to go.

737
00:35:12,200 --> 00:35:15,120
Speaker 1: It's it's easy to go crazy with your first card,

738
00:35:15,160 --> 00:35:17,000
Speaker 1: but you know, you've proven yourself to be responsible. You've

739
00:35:17,000 --> 00:35:20,759
Speaker 1: got a great credit score, you're young, and you've been

740
00:35:20,760 --> 00:35:23,200
Speaker 1: able to manage thus far. But just like I said,

741
00:35:23,280 --> 00:35:26,640
Speaker 1: just just be mindful because it's easy to you know,

742
00:35:26,760 --> 00:35:29,360
Speaker 1: one white because another swipe and before you know, you're like, yikes.

743
00:35:29,520 --> 00:35:31,319
Speaker 1: Don't be afraid to leave that card at home if

744
00:35:31,320 --> 00:35:33,160
Speaker 1: you feel tempted, and to take out your debit card

745
00:35:33,160 --> 00:35:33,479
Speaker 1: and bring.

746
00:35:33,400 --> 00:35:36,840
Speaker 2: It with you. Yeah, it's one hundred percent, and you know,

747
00:35:37,239 --> 00:35:40,080
Speaker 2: and do your research. And as far as like choosing

748
00:35:40,239 --> 00:35:42,560
Speaker 2: a credit card with a certain bank, it doesn't really matter.

749
00:35:42,800 --> 00:35:44,480
Speaker 2: You know, you should pick the card even if it's

750
00:35:44,480 --> 00:35:46,160
Speaker 2: at a bank you never heard of. Before pick the

751
00:35:46,239 --> 00:35:50,160
Speaker 2: card that has the best terms, the best rewards for

752
00:35:50,280 --> 00:35:52,520
Speaker 2: your lifestyle, and it's not going to charge you high

753
00:35:52,560 --> 00:35:55,920
Speaker 2: fees and has good customer support and you know all

754
00:35:56,080 --> 00:35:59,239
Speaker 2: that well as far Ago may have a good travel card.

755
00:35:59,320 --> 00:36:02,680
Speaker 2: But compare your options and I'll share a link to

756
00:36:02,800 --> 00:36:05,680
Speaker 2: a couple of a couple of roundups of the best

757
00:36:05,760 --> 00:36:10,399
Speaker 2: travel cards where you can get started. But think about

758
00:36:10,400 --> 00:36:12,759
Speaker 2: that nice flat rate cash back credit card that I'll

759
00:36:12,800 --> 00:36:14,399
Speaker 2: just serve you every day too, because I think that's

760
00:36:14,400 --> 00:36:17,640
Speaker 2: a nice entry level. And then you can test yourself

761
00:36:17,680 --> 00:36:19,680
Speaker 2: with the rewards card. Are you going to be spending

762
00:36:19,760 --> 00:36:22,000
Speaker 2: more just to earn that reward? You know, that's the

763
00:36:22,080 --> 00:36:24,960
Speaker 2: temptation of these travel cards is that they get you

764
00:36:25,040 --> 00:36:27,200
Speaker 2: to spend more so that you get those points. But

765
00:36:27,280 --> 00:36:29,279
Speaker 2: then can you really afford to pay it off each month?

766
00:36:29,640 --> 00:36:33,520
Speaker 2: And if you can't, then it's not worth it. But

767
00:36:33,640 --> 00:36:36,280
Speaker 2: good luck, and keep that seven hundred credit score that'll.

768
00:36:36,040 --> 00:36:38,640
Speaker 1: Serve you well, yes, more than anything else. That's more

769
00:36:38,640 --> 00:36:39,640
Speaker 1: important than that credit card.

770
00:36:40,640 --> 00:36:42,719
Speaker 2: All right, thank you for your question, Aria, and again

771
00:36:43,200 --> 00:36:46,839
Speaker 2: hit us up on Instagram at Brandonbision podcast on the Gram,

772
00:36:47,040 --> 00:36:50,040
Speaker 2: or by email Brandibision Podcasts at gmail dot.

773
00:36:49,960 --> 00:36:58,000
Speaker 1: Com dot com. Now it's time for booster break? Which

774
00:36:58,120 --> 00:37:02,440
Speaker 1: one will you give? Or Okay, you.

775
00:37:02,480 --> 00:37:03,640
Speaker 2: Gotta remember these jingles?

776
00:37:03,920 --> 00:37:07,080
Speaker 1: I don't ever like I just forgot it already, you already.

777
00:37:06,760 --> 00:37:08,400
Speaker 2: Now, I'm like, hey, hey, hey, stuck.

778
00:37:09,320 --> 00:37:11,319
Speaker 1: Yeah, all yeah, that was stuck With all the rest

779
00:37:11,320 --> 00:37:13,120
Speaker 1: of them. I'm like, because we actually had some really

780
00:37:13,160 --> 00:37:14,800
Speaker 1: good I feel like we what we should do a

781
00:37:14,880 --> 00:37:17,160
Speaker 1: compilation all those jingles because I was like, that was

782
00:37:17,200 --> 00:37:19,080
Speaker 1: a good Remember I had one where like I rhymed

783
00:37:19,120 --> 00:37:21,920
Speaker 1: for like almost a minute straight. I said, look at you, Tiffany,

784
00:37:22,080 --> 00:37:24,560
Speaker 1: you could have been a rapping No, I don't remember that.

785
00:37:27,160 --> 00:37:29,680
Speaker 2: Seven to seven episodes, I know.

786
00:37:29,800 --> 00:37:32,200
Speaker 1: I'm just soul like for you guys rideing with us.

787
00:37:32,920 --> 00:37:34,960
Speaker 1: So are you gonna have boosted? Are you gonna have

788
00:37:35,040 --> 00:37:35,440
Speaker 1: break it?

789
00:37:35,960 --> 00:37:38,560
Speaker 2: I'm gonna do a break because I have been to

790
00:37:38,640 --> 00:37:40,520
Speaker 2: a couple of these meetings in the past couple of

791
00:37:40,640 --> 00:37:43,000
Speaker 2: weeks and it drives me nuts as someone who doesn't

792
00:37:43,000 --> 00:37:45,120
Speaker 2: want to waste people's time, and whenever I asked someone

793
00:37:45,160 --> 00:37:47,080
Speaker 2: to do a meeting with me, I feel like I

794
00:37:47,200 --> 00:37:49,360
Speaker 2: must come with an agenda. So I just hit the

795
00:37:49,480 --> 00:37:52,160
Speaker 2: highlights and if I love ending meetings early so I

796
00:37:52,200 --> 00:37:53,880
Speaker 2: can say I'm gonna give you fifteen minutes of your

797
00:37:53,920 --> 00:37:57,000
Speaker 2: life back. It's my favorite. I love it. I was

798
00:37:57,040 --> 00:37:59,200
Speaker 2: at a meeting last week where it ended at the

799
00:37:59,239 --> 00:38:01,600
Speaker 2: forty minute mark. It was supposed to go an hour,

800
00:38:02,040 --> 00:38:04,640
Speaker 2: and the person hosting the meeting just continued to he

801
00:38:04,800 --> 00:38:07,200
Speaker 2: was like, oh, we've got twenty minutes left. How do

802
00:38:07,280 --> 00:38:09,239
Speaker 2: you feel about da da da da da? And you

803
00:38:09,320 --> 00:38:11,680
Speaker 2: know that price the tea in China and what's happening

804
00:38:11,719 --> 00:38:13,560
Speaker 2: in the Dominican you know, just like all and I

805
00:38:13,680 --> 00:38:15,960
Speaker 2: was like, you've got to give people their time back?

806
00:38:16,120 --> 00:38:16,279
Speaker 3: Why?

807
00:38:16,800 --> 00:38:18,880
Speaker 2: So that's actually not my break. My break is a

808
00:38:19,000 --> 00:38:23,000
Speaker 2: meeting with no agenda. So and especially if you're in

809
00:38:23,080 --> 00:38:27,120
Speaker 2: an environment where time is precious and you know a

810
00:38:27,160 --> 00:38:29,560
Speaker 2: lot of people are involved, Like I just love just

811
00:38:29,640 --> 00:38:31,960
Speaker 2: three bullet points, you know, not even like a PowerPoint,

812
00:38:32,160 --> 00:38:34,800
Speaker 2: just like what is this meeting going to achieve? What

813
00:38:34,960 --> 00:38:37,320
Speaker 2: is the goal of the meeting? And then like telling

814
00:38:37,400 --> 00:38:40,120
Speaker 2: people before you start the meeting, like in advance, what

815
00:38:40,320 --> 00:38:42,279
Speaker 2: the like the three things you want from them at

816
00:38:42,320 --> 00:38:46,040
Speaker 2: that meeting. Like setting expectations is so important and for me,

817
00:38:46,160 --> 00:38:49,600
Speaker 2: it's all about like like I want meetings to end

818
00:38:49,640 --> 00:38:52,040
Speaker 2: and people feel like, oh, okay, we move the needle

819
00:38:53,000 --> 00:38:56,040
Speaker 2: to achieve something, or we know what the next steps are,

820
00:38:56,480 --> 00:38:58,680
Speaker 2: and it just drives me a little Craik kray when

821
00:38:58,760 --> 00:39:02,600
Speaker 2: meetings were like, clearly the person hasn't prepared, they don't

822
00:39:02,640 --> 00:39:05,360
Speaker 2: really know what they're you know, they call people together

823
00:39:05,360 --> 00:39:07,680
Speaker 2: and the I'm not sure why and we're just gonna

824
00:39:07,719 --> 00:39:10,440
Speaker 2: ramble and talk, you know, for half an hour and

825
00:39:10,680 --> 00:39:13,520
Speaker 2: didn't do nothing, and it's just like, you know, thank

826
00:39:13,560 --> 00:39:15,759
Speaker 2: you for not valuing my time. It's what it feels like.

827
00:39:16,400 --> 00:39:18,160
Speaker 1: One in my head out because we have a monthly

828
00:39:18,280 --> 00:39:21,600
Speaker 1: team meeting like once a month obviously like a full

829
00:39:21,760 --> 00:39:25,080
Speaker 1: team meeting, and I had the wrong agenda, so I'm

830
00:39:25,120 --> 00:39:27,239
Speaker 1: like going on, you know, like whatever, and then I'm

831
00:39:27,280 --> 00:39:28,719
Speaker 1: like calling, I'm like, oh, yeah, at least I see

832
00:39:28,719 --> 00:39:31,040
Speaker 1: you're on here, so what's going on with It took

833
00:39:31,160 --> 00:39:33,440
Speaker 1: to like the third person, so I called on our

834
00:39:34,000 --> 00:39:37,640
Speaker 1: intern cares and said to kios Kiars was like, I'm

835
00:39:37,640 --> 00:39:39,800
Speaker 1: not even gonna lie, I'm not even ready, like I

836
00:39:39,800 --> 00:39:41,320
Speaker 1: don't and someone was like, I think you're on the

837
00:39:41,360 --> 00:39:44,560
Speaker 1: wrong agenda. I'm like, why did y'all let me get

838
00:39:45,000 --> 00:39:45,799
Speaker 1: right through the meeting?

839
00:39:47,200 --> 00:39:47,399
Speaker 3: Yes?

840
00:39:47,560 --> 00:39:50,400
Speaker 1: I was like, come on now, and I was like, meanwhile,

841
00:39:50,520 --> 00:39:52,959
Speaker 1: y'all so ya, I mean, she stepped up, was like, okay,

842
00:39:53,120 --> 00:39:56,799
Speaker 1: well the uptick for our financial freedom plan, I mean,

843
00:39:57,040 --> 00:39:59,240
Speaker 1: and I was like, she was like, I'm not gonna lie, Tiffany.

844
00:39:59,280 --> 00:40:02,480
Speaker 1: I was like wait and mom being gend So everyone

845
00:40:02,600 --> 00:40:04,600
Speaker 1: just stepped it up and pulled whatever it is they

846
00:40:04,640 --> 00:40:06,719
Speaker 1: had to pull out of their behind to be like, look,

847
00:40:07,400 --> 00:40:09,440
Speaker 1: I don't I'm not prepared. But I just thought it

848
00:40:09,520 --> 00:40:11,640
Speaker 1: was hilarious that it took cares the intern to be like,

849
00:40:12,840 --> 00:40:14,560
Speaker 1: I'm not sure why my name is on there. I

850
00:40:14,640 --> 00:40:18,840
Speaker 1: did not request it. It was so cute, and I

851
00:40:18,960 --> 00:40:22,160
Speaker 1: was like, so yeah, So, I mean, we try not

852
00:40:22,239 --> 00:40:23,719
Speaker 1: to waste people's time. We try to keep our meetings

853
00:40:23,800 --> 00:40:25,880
Speaker 1: under an hour. But yeah, no, I totally get that.

854
00:40:26,040 --> 00:40:29,480
Speaker 1: Or just sometimes like even when folks hit me up

855
00:40:29,520 --> 00:40:32,640
Speaker 1: on like social and it's high and you're like, okay,

856
00:40:32,960 --> 00:40:34,560
Speaker 1: I know they have a question, and I don't mind

857
00:40:35,000 --> 00:40:37,080
Speaker 1: ask a question, but you don't have to butter me

858
00:40:37,160 --> 00:40:39,520
Speaker 1: up and wait for me to say hi back. Just hey, Tiffany,

859
00:40:39,600 --> 00:40:40,920
Speaker 1: you know, thanks so much for blah blah blah. I

860
00:40:40,920 --> 00:40:42,200
Speaker 1: have a question, like you can put it all in

861
00:40:42,239 --> 00:40:45,279
Speaker 1: one sentence, because that whole that initial high or that

862
00:40:45,400 --> 00:40:48,520
Speaker 1: initial hey, what's up. It's like, I know you have

863
00:40:48,520 --> 00:40:50,280
Speaker 1: a credit question. I know you got a budget questions.

864
00:40:50,320 --> 00:40:52,680
Speaker 1: It's okay, literally see a bunch of these, stay account.

865
00:40:52,880 --> 00:40:54,359
Speaker 1: I don't want if you get to it, even when

866
00:40:54,360 --> 00:40:56,480
Speaker 1: you see me in person, like I don't honestly, I

867
00:40:56,920 --> 00:40:59,759
Speaker 1: honestly don't mind unless I'm like rushing off and I'm

868
00:40:59,800 --> 00:41:02,719
Speaker 1: racing off somewhere you could tell that I'm you know, busy,

869
00:41:02,840 --> 00:41:05,399
Speaker 1: or if I'm on the phone, you know, and even

870
00:41:05,440 --> 00:41:07,640
Speaker 1: then typically I'm you know, I might be if I'm

871
00:41:07,640 --> 00:41:09,160
Speaker 1: at like a whole food, I'm probably talking to like

872
00:41:09,200 --> 00:41:11,440
Speaker 1: my sister or my mom or something. I don't mind helping.

873
00:41:11,560 --> 00:41:14,200
Speaker 1: But yeah, for me, I just like people just to

874
00:41:14,280 --> 00:41:16,200
Speaker 1: get to the point because we're dragging it out and

875
00:41:16,239 --> 00:41:18,480
Speaker 1: you're gonna ask the question anyway, so let's get to it.

876
00:41:19,000 --> 00:41:20,560
Speaker 2: If I could just wear a T shirt that had

877
00:41:20,600 --> 00:41:22,600
Speaker 2: one slogan, it would be to get to the point

878
00:41:23,400 --> 00:41:25,399
Speaker 2: or tell me what you really want to say.

879
00:41:26,080 --> 00:41:26,239
Speaker 1: Oh.

880
00:41:26,320 --> 00:41:29,359
Speaker 2: I hate when people just like passive aggressive don't teay

881
00:41:29,360 --> 00:41:31,120
Speaker 2: what they want to say. Oh, that's more breaks. I'm

882
00:41:31,239 --> 00:41:32,400
Speaker 2: just breaking all the place.

883
00:41:32,400 --> 00:41:34,319
Speaker 1: Well, I'm like the Queen of passive aggressive. But it's okay,

884
00:41:34,320 --> 00:41:37,520
Speaker 1: we're gonna We're gonna deal with that. So I am

885
00:41:37,640 --> 00:41:41,160
Speaker 1: going to boost because I'm super excited. In the mail

886
00:41:41,200 --> 00:41:46,200
Speaker 1: today I receive the paper it said DreamCatcher trademarked. I know.

887
00:41:46,280 --> 00:41:52,080
Speaker 1: I'm like, meanwhile, wait what I know? I can finally

888
00:41:52,120 --> 00:41:53,640
Speaker 1: speak on it now because I was so scared that

889
00:41:53,719 --> 00:41:54,960
Speaker 1: someone was gonna trade it.

890
00:41:56,719 --> 00:41:57,239
Speaker 2: Has been.

891
00:41:58,120 --> 00:42:01,520
Speaker 1: Honestly, it's been like at least six or seven I.

892
00:42:01,560 --> 00:42:04,439
Speaker 2: Think I'm cucy it wasn't already trademarked by some money.

893
00:42:04,840 --> 00:42:07,440
Speaker 1: Yeah, well, well DreamCatcher at the way I'm using it,

894
00:42:07,520 --> 00:42:10,400
Speaker 1: So DreamCatcher. It's like I think it said something like

895
00:42:10,719 --> 00:42:12,960
Speaker 1: what does it say to be used as like a

896
00:42:13,440 --> 00:42:16,759
Speaker 1: like a a social club to support women in their

897
00:42:16,800 --> 00:42:18,920
Speaker 1: financial goals or something like that. So I mean, obviously

898
00:42:18,960 --> 00:42:21,560
Speaker 1: I don't like, you can use DreamCatcher ten thousand ways,

899
00:42:21,880 --> 00:42:23,600
Speaker 1: just not in this way, like the way I'm using it.

900
00:42:23,880 --> 00:42:26,239
Speaker 1: So like another financial person couldn't say my group is

901
00:42:26,239 --> 00:42:30,160
Speaker 1: called Dreamcatchers. You know, so because when you trademark, like

902
00:42:30,400 --> 00:42:33,360
Speaker 1: for example, I saw a four Seasons, like we know

903
00:42:33,440 --> 00:42:36,120
Speaker 1: four Seasons is like the fancy hotel but I saw

904
00:42:36,120 --> 00:42:38,799
Speaker 1: a four seasons garden shop, so clearly, like the four

905
00:42:38,840 --> 00:42:41,840
Speaker 1: seasons hotel does not own, there's four seasons for the

906
00:42:41,920 --> 00:42:45,040
Speaker 1: garden shop. So so yeah, but I'm just excited because

907
00:42:45,040 --> 00:42:49,040
Speaker 1: I was just like, yeah, I you know, I was

908
00:42:49,080 --> 00:42:51,239
Speaker 1: sleeping and sleeping on it, and it takes about a year.

909
00:42:51,880 --> 00:42:53,840
Speaker 1: But by the time you like apply, but by the

910
00:42:53,880 --> 00:42:55,719
Speaker 1: time they you know, they go through all the rigamar roles.

911
00:42:55,760 --> 00:42:58,279
Speaker 1: So I just want to shout out Tony Moore of

912
00:42:58,520 --> 00:43:02,120
Speaker 1: Legally Chic. She's so awesome honestly, like I said, I mean,

913
00:43:02,160 --> 00:43:04,000
Speaker 1: I have two lawyers, but Tony does like my day

914
00:43:04,000 --> 00:43:05,600
Speaker 1: to day stuff. So she's the one who kind of

915
00:43:05,680 --> 00:43:08,240
Speaker 1: like not kind of, but she does all my trademarks

916
00:43:08,280 --> 00:43:11,120
Speaker 1: and stuff. Now, she's really great. She's she's fast, she's swift,

917
00:43:11,200 --> 00:43:13,920
Speaker 1: he's sharp as hell. And yeah, so we've got a

918
00:43:13,920 --> 00:43:16,080
Speaker 1: couple of other trademarks coming down the pipeline, like she

919
00:43:16,280 --> 00:43:17,719
Speaker 1: was the one. Like. What I love about Tony too

920
00:43:17,800 --> 00:43:20,120
Speaker 1: is that she'll like check up and be like, uh,

921
00:43:20,200 --> 00:43:22,680
Speaker 1: I remember when my trademark for the budgeties to expire.

922
00:43:22,719 --> 00:43:26,120
Speaker 1: Can you imagine? Oh god, I know, I mean luckily

923
00:43:26,160 --> 00:43:26,360
Speaker 1: I have.

924
00:43:26,360 --> 00:43:28,920
Speaker 2: It obviously, but because their brand ambition, trademark expired. When

925
00:43:28,920 --> 00:43:29,479
Speaker 2: does that happen?

926
00:43:29,880 --> 00:43:31,560
Speaker 1: So I think the way it's I think it's like

927
00:43:31,640 --> 00:43:34,520
Speaker 1: the first because trademark supposed to last for ten years,

928
00:43:34,560 --> 00:43:37,400
Speaker 1: but I think it's like it's five years then like

929
00:43:37,520 --> 00:43:39,440
Speaker 1: seven and ten. I don't know, like it'll they'll send

930
00:43:39,440 --> 00:43:40,799
Speaker 1: an email though, but you just.

931
00:43:40,880 --> 00:43:42,719
Speaker 2: Tell Tony's our lawyer, tell her to.

932
00:43:42,840 --> 00:43:46,640
Speaker 1: Check you're right. I forgot that she did our and

933
00:43:46,760 --> 00:43:49,000
Speaker 1: she did our like our our stuff too, but yeah,

934
00:43:49,080 --> 00:43:51,160
Speaker 1: Tony's awesome. But yeah, I was like, so she just

935
00:43:51,200 --> 00:43:52,279
Speaker 1: sent me the thing in the mail. I was like

936
00:43:52,320 --> 00:43:55,640
Speaker 1: woo yay. Yeah. I definitely was on pins and needles

937
00:43:55,680 --> 00:43:56,239
Speaker 1: for that one cause I.

938
00:43:56,239 --> 00:44:00,640
Speaker 2: Was like, yikes, it's official on T shirts.

939
00:44:00,680 --> 00:44:03,719
Speaker 1: Now I know exactly, so that's another trade. But it's

940
00:44:03,760 --> 00:44:05,800
Speaker 1: that crazy in order to put that on T shirts.

941
00:44:05,800 --> 00:44:07,000
Speaker 1: I think that's another trademark.

942
00:44:07,200 --> 00:44:11,640
Speaker 2: Yeah, it's true. It is just give the government more moneies, ah.

943
00:44:11,600 --> 00:44:13,560
Speaker 1: More money, it is. But I'm like whatever, But as

944
00:44:13,640 --> 00:44:15,360
Speaker 1: long as like I own that as it relates to

945
00:44:15,480 --> 00:44:18,080
Speaker 1: like financial groups, I'm good to go.

946
00:44:18,280 --> 00:44:19,960
Speaker 2: I love having that little letter with a little gold

947
00:44:20,000 --> 00:44:21,840
Speaker 2: steel on it. Yeah, it's special.

948
00:44:22,440 --> 00:44:23,560
Speaker 1: I got like, you know, it was like some one

949
00:44:23,560 --> 00:44:25,080
Speaker 1: of those big envelopes in the nail and I'm like

950
00:44:25,160 --> 00:44:27,480
Speaker 1: opening it, like what is this? And I was like,

951
00:44:29,880 --> 00:44:31,279
Speaker 1: so I was excited. I was I had to share

952
00:44:31,280 --> 00:44:32,719
Speaker 1: with the dream Catchers. I'm like, should I share it?

953
00:44:32,719 --> 00:44:34,440
Speaker 1: I think I'd be like, girl, we haven't been official.

954
00:44:34,480 --> 00:44:35,959
Speaker 1: I'm like, whatever, we're official now.

955
00:44:37,160 --> 00:44:38,560
Speaker 2: But you don't know, can't hurry.

956
00:44:38,320 --> 00:44:39,760
Speaker 1: You exactly exactly.

957
00:44:41,200 --> 00:44:48,880
Speaker 2: That's exciting. Book deals, popping, trademarks, popping. Your book should

958
00:44:48,880 --> 00:44:49,879
Speaker 2: be called Tiffany.

959
00:44:49,600 --> 00:44:54,000
Speaker 1: Ink about how I start of? No, I don't think.

960
00:44:54,040 --> 00:44:56,320
Speaker 1: I feel like I want to wait until I wouldn't

961
00:44:56,360 --> 00:44:58,120
Speaker 1: write a business book, not that you can't, but I

962
00:44:58,800 --> 00:45:01,360
Speaker 1: want to wait until I have an eight figure a

963
00:45:01,480 --> 00:45:04,200
Speaker 1: year business. Then I feel like, okay, I've gotten not that,

964
00:45:04,400 --> 00:45:06,440
Speaker 1: like you know, like a you can't have a five

965
00:45:06,480 --> 00:45:08,560
Speaker 1: figure year business and write a business book. But I

966
00:45:08,640 --> 00:45:10,920
Speaker 1: feel like then, because I really want, I want to

967
00:45:10,920 --> 00:45:14,040
Speaker 1: write a business book called do good like you know,

968
00:45:16,000 --> 00:45:18,719
Speaker 1: help good people, do good work, make good money, Like

969
00:45:18,800 --> 00:45:20,480
Speaker 1: how do you do that? That's like, honestly, that's like

970
00:45:20,520 --> 00:45:21,759
Speaker 1: a book that I have in me that I'm not

971
00:45:21,800 --> 00:45:22,399
Speaker 1: writing any time.

972
00:45:22,440 --> 00:45:25,840
Speaker 2: So that's the book do that? You're like, why do

973
00:45:25,880 --> 00:45:28,800
Speaker 2: you need eight figures. Why these arbitrary numbers? I don't know,

974
00:45:28,880 --> 00:45:30,319
Speaker 2: you know, how you have like a like a thing

975
00:45:30,600 --> 00:45:33,200
Speaker 2: seventy ten years ago? Can you imagine eight figures? She's

976
00:45:33,200 --> 00:45:35,000
Speaker 2: probably can I get four figures?

977
00:45:35,360 --> 00:45:37,839
Speaker 1: What exactly? Because I legitimately, I think my first year

978
00:45:37,840 --> 00:45:39,520
Speaker 1: of business made like two thousand dollars. I was like, oh,

979
00:45:39,640 --> 00:45:42,960
Speaker 1: clearly I was living off unemployment. But yeah, no, but

980
00:45:43,040 --> 00:45:44,800
Speaker 1: I do want to write like a business book about that,

981
00:45:44,920 --> 00:45:46,480
Speaker 1: Like how do you do that? How do you run

982
00:45:46,520 --> 00:45:49,440
Speaker 1: a business without you know, being like some terrible person

983
00:45:50,000 --> 00:45:52,120
Speaker 1: and like, you know, and helping good people and giving

984
00:45:52,120 --> 00:45:53,880
Speaker 1: a lot away for free? Like what does that look like?

985
00:45:54,360 --> 00:45:57,000
Speaker 1: To run a profitable business that kind of feels like

986
00:45:57,040 --> 00:46:00,920
Speaker 1: a nonprofit but it's profitable, you know. So yeah, I

987
00:46:01,000 --> 00:46:02,640
Speaker 1: mean I'm still you know, I'm still learning. That's why

988
00:46:02,640 --> 00:46:04,200
Speaker 1: I kind of feel like maybe that's why I said

989
00:46:04,239 --> 00:46:05,880
Speaker 1: eight figures, because I feel like then i'd be like,

990
00:46:05,960 --> 00:46:08,040
Speaker 1: not that I wouldn't be learning anymore, but then I

991
00:46:08,080 --> 00:46:11,239
Speaker 1: would feel like, Okay, because we're multi seven figures now,

992
00:46:11,280 --> 00:46:13,000
Speaker 1: and I really think we'll hit eight figures by next year.

993
00:46:13,040 --> 00:46:15,920
Speaker 1: That's what we're our trajectory is looking like. But I

994
00:46:15,960 --> 00:46:18,560
Speaker 1: feel like that's like a figure that people really take seriously, Like,

995
00:46:18,880 --> 00:46:21,000
Speaker 1: you know, my business makes ten to twenty million dollars

996
00:46:21,040 --> 00:46:23,399
Speaker 1: a year because you know, like everybody you know, when

997
00:46:23,400 --> 00:46:25,160
Speaker 1: I tell them about doing good work, it sounds so

998
00:46:25,280 --> 00:46:27,520
Speaker 1: cool bay yah, But then you're like, oh, well my

999
00:46:27,600 --> 00:46:29,600
Speaker 1: business makes twenty I don't make twenty million dollars a

1000
00:46:29,680 --> 00:46:32,040
Speaker 1: year now. But to say like, yeah, it's not just

1001
00:46:32,160 --> 00:46:34,799
Speaker 1: coom baya, it works. You can you know, you can

1002
00:46:34,880 --> 00:46:36,640
Speaker 1: help people, you can give a lot away for free,

1003
00:46:36,680 --> 00:46:39,840
Speaker 1: you cannot overcharge. You can do those things and have

1004
00:46:39,960 --> 00:46:42,000
Speaker 1: an eight figure of year business Like that's what. For

1005
00:46:42,080 --> 00:46:43,840
Speaker 1: some reason, I just feel like that's like a serious

1006
00:46:43,960 --> 00:46:47,600
Speaker 1: business number that folks who might otherwise poo poo at

1007
00:46:47,719 --> 00:46:50,600
Speaker 1: like you know, helping people and being good to people,

1008
00:46:50,840 --> 00:46:52,680
Speaker 1: would be like, well, you know, I mean, she's got

1009
00:46:52,719 --> 00:46:55,000
Speaker 1: a viable business. It's not a small you know, like

1010
00:46:55,040 --> 00:46:56,920
Speaker 1: I don't what is it a small do you know,

1011
00:46:57,080 --> 00:46:59,560
Speaker 1: like what a small business equal? Like when you're your

1012
00:46:59,600 --> 00:47:01,719
Speaker 1: annual income. I wonder what like the threshold is for

1013
00:47:01,760 --> 00:47:03,480
Speaker 1: a small business might have more to.

1014
00:47:03,560 --> 00:47:05,879
Speaker 2: Do with the number of employees I have. I don't

1015
00:47:05,920 --> 00:47:06,239
Speaker 2: really know.

1016
00:47:06,640 --> 00:47:09,360
Speaker 1: Well that's true. I think you're writing I.

1017
00:47:09,360 --> 00:47:11,000
Speaker 2: Don't know, though, tiff I feel like you start writing

1018
00:47:11,080 --> 00:47:12,440
Speaker 2: it now. By the time you get this tenth to

1019
00:47:12,520 --> 00:47:18,160
Speaker 2: eight figures, you'll be ready to publish. Perfect timing you. Yeah,

1020
00:47:18,800 --> 00:47:21,880
Speaker 2: that's that's the book. I feel like we need general

1021
00:47:22,000 --> 00:47:24,160
Speaker 2: personal finance advice. There's plenty of those. You know, what

1022
00:47:24,280 --> 00:47:25,960
Speaker 2: can you bring that no one else can bring? And

1023
00:47:26,040 --> 00:47:27,920
Speaker 2: you know better than anyone how to start that business

1024
00:47:28,239 --> 00:47:31,920
Speaker 2: that does good and makes good money. Yeah, that's the Tiffany.

1025
00:47:32,680 --> 00:47:34,000
Speaker 2: That's the Tiffany Magic.

1026
00:47:35,520 --> 00:47:35,680
Speaker 1: Ink.

1027
00:47:36,480 --> 00:47:36,640
Speaker 2: Yep.

1028
00:47:38,160 --> 00:47:45,160
Speaker 1: Okay, well, now it's time to say goodbye to you.

1029
00:47:47,280 --> 00:47:54,360
Speaker 1: Searched for it. You know me so well? Like I

1030
00:47:54,800 --> 00:47:56,360
Speaker 1: suppose a song we're gonna end with.

1031
00:47:57,680 --> 00:47:59,440
Speaker 2: We're doing this podcast in our eighties. We'll be like,

1032
00:47:59,480 --> 00:47:59,840
Speaker 2: here we go.

1033
00:48:01,480 --> 00:48:03,920
Speaker 1: First, I'm gonna be like, no, it's wait, who are you?

1034
00:48:04,400 --> 00:48:04,680
Speaker 1: Who a