WEBVTT - Ep. 178 —Big Things Poppin'

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<v Speaker 1>Okay, hey, hey we're back. We're black, we're brown. We

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<v Speaker 1>got to start like a little ensemble.

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<v Speaker 2>I thought we harmonized beautifully.

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<v Speaker 1>Right, me me? Right, do we celebrate? Did we share

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<v Speaker 1>that we cracked top two hundred? Did we celebrate that?

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<v Speaker 2>I'm all over the socials.

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<v Speaker 1>Yeah, but I mean podcast we didn't mention it. Right.

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<v Speaker 2>We should say hi to are. We have a bunch

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<v Speaker 2>of new listeners lately, So welcome if you're new to

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<v Speaker 2>the show, and thank you for joining us, and thank

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<v Speaker 2>you to everyone who's stuck by us. But yeah, we're

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<v Speaker 2>for some reason magic four year mark. People are paying attention.

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<v Speaker 2>But yeah, we cracked top two hundred of all podcasts,

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<v Speaker 2>which there's like tens of thousands.

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<v Speaker 1>It feels like, oh more, I google to see how

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<v Speaker 1>many iTunes podcaster. It's over half a million.

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<v Speaker 2>Oh jesus crazy.

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<v Speaker 1>Like when I saw that, I was like, wow, top

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<v Speaker 1>two hundred of over half I think it's like five

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<v Speaker 1>hundred and fifty thousand like podcasts.

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<v Speaker 2>Like I was like, what, Well, when we pasted the

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<v Speaker 2>read I was like, that's what we did. Yes, we

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<v Speaker 2>were about well not anymore, you know, we dropped down

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<v Speaker 2>a little bit, but uh, for a minute we were

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<v Speaker 2>we outranked the Read and I was like, what, Crystal

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<v Speaker 2>what I.

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<v Speaker 1>Know, I love Crystal Kit theory. Honestly, those are my

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<v Speaker 1>face I would I would totally geek out.

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<v Speaker 2>Yeah, so that was exciting. But yeah, it's top twenty

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<v Speaker 2>in business podcasts, and you know what, like it means.

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<v Speaker 2>It means so much to me just looking at those

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<v Speaker 2>images of and you know, it sounds cliche, but our

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<v Speaker 2>brown faces, brown and black faces on iTunes in those

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<v Speaker 2>little square images, when you look at everyone else who's ranking,

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<v Speaker 2>I mean it it is powerful and it means something

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<v Speaker 2>to me. So when we see our you know, our

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<v Speaker 2>friends who we don't really know, but some of them

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<v Speaker 2>you know. But like you see the you see the

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<v Speaker 2>dead Ass podcast and the Read and adulting podcasts and

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<v Speaker 2>all these like people of color really killing it in

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<v Speaker 2>the podcast game. Makes me so excited to be a

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<v Speaker 2>part of that, you know, unofficial group.

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<v Speaker 1>Yeah, and I just I do love that because you're right,

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<v Speaker 1>it's just like you know, I mean, it's just an

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<v Speaker 1>amazing time to like start something because you have the

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<v Speaker 1>ability to speak directly to your audience and you guys

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<v Speaker 1>listen and you someone hit me up the other day

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<v Speaker 1>and they were like, oh, you know what. I was

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<v Speaker 1>interviewed by the Guardian and the young woman I was like,

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<v Speaker 1>how'd you find me? She was like, brown a bithit,

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<v Speaker 1>I love you and Mandy.

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<v Speaker 2>I was like, what, you know?

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<v Speaker 1>I just thought that was so awesome. That happens more

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<v Speaker 1>and more. And I love when you guys come up

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<v Speaker 1>to me and give me the hugs I don't ask

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<v Speaker 1>for because you know, I'm uncomfortable with hugs, but you

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<v Speaker 1>give it to me anywhere and I love it. And

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<v Speaker 1>I love how you give me a hug for Mandy

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<v Speaker 1>And when you see Mandy, you're like, give this to Tiffany,

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<v Speaker 1>y give her two hugs. No, you guys are awesome, awesome, awesome.

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<v Speaker 1>I just yeah, so yeah, So just thank you, honestly,

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<v Speaker 1>thank you.

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<v Speaker 2>I love you guys. You make this show happen. Go

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<v Speaker 2>leave reviews if you haven't yet and you're new to

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<v Speaker 2>the show. Reviews really help us get seen more in

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<v Speaker 2>the iTunes environment. So leave reviews if you can, tell

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<v Speaker 2>a friend, and just make sure you subscribe and keep listening.

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<v Speaker 2>Thank you guys so much.

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<v Speaker 1>So what's happening on this rainy day for you?

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<v Speaker 2>Oh so rainy let's see what happened. My dog walker

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<v Speaker 2>canceled last minute. It's unfortunate. I'm getting a window into

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<v Speaker 2>just what it is to try. And I mean, my

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<v Speaker 2>friends always tell me you can't compare a dog to

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<v Speaker 2>a child, but I'm like, I really have to keep

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<v Speaker 2>this thing alive. And I have like work to do.

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<v Speaker 2>And the last week our dog walker locked himself out.

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<v Speaker 2>We've had some dog walker drums, you know, and the

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<v Speaker 2>cost of dog walking is like starting.

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<v Speaker 1>To add up.

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<v Speaker 2>And then she was sick over the weekend and I

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<v Speaker 2>was like, you know, if you're if you're like a

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<v Speaker 2>pet parent, you have that you have that really terrible

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<v Speaker 2>thought in your head, like should I take her to

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<v Speaker 2>the vet? Oh, it's gonna cost money? Is it worth it?

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<v Speaker 2>You're fine? And we had this, you know, and it's

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<v Speaker 2>like an animal. And I was looking at her life

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<v Speaker 2>like you're not that sick, are you, and thinking she

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<v Speaker 2>pulled through, you know, fine, it was fine. But yeah,

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<v Speaker 2>we haven't gotten pet insurance yet, so, you know, just

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<v Speaker 2>her first round of you know, going for her checkup,

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<v Speaker 2>not even get shots or anything like that, just to

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<v Speaker 2>get like a checkup and a couple of tests run.

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<v Speaker 2>I ended up spending three hundred four hundred dollars at

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<v Speaker 2>the event over the course of two days. So out I.

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<v Speaker 1>Should probably ped insurance work.

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<v Speaker 2>Just like regular health insurance, except without you know, the

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<v Speaker 2>benefit of the Affordable Care Act. You know, pets right

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<v Speaker 2>now can be discriminated against by insurers for things like

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<v Speaker 2>pre existing conditions or yeah, or even like if you're

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<v Speaker 2>a breed that tends to have certain health complications or

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<v Speaker 2>is more predisposed to have certain problems, insurers can deny

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<v Speaker 2>you coverage or charge you more based on the breed.

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<v Speaker 2>So there's that. But yeah, you just pay it like

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<v Speaker 2>a monthly premium and then you most likely you have

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<v Speaker 2>a deductible whenever you need it. You know, some pet

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<v Speaker 2>insurance covers preventative care. Some it's like catastrophic. So I'm

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<v Speaker 2>thinking about getting a catastrophic policy, which is a lot

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<v Speaker 2>of what a lot of pet owners do, which is like,

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<v Speaker 2>you know, if she were to get an act like

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<v Speaker 2>hit by a car, oh god, I hope not, or

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<v Speaker 2>getting a fight with a dog and you know, she

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<v Speaker 2>breaks her arm, or she gets really ill because she

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<v Speaker 2>eats something off, whatever, something really dramatic happens, it would

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<v Speaker 2>cover something like that. I'm thinking about that, and then

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<v Speaker 2>I'll just like keep money saving the side for those

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<v Speaker 2>routine you know, preventive care checkups and whatnot. We'll see.

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<v Speaker 2>But that's where I think people get in trouble with

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<v Speaker 2>pets is when something really unexpected happens and then it's

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<v Speaker 2>a huge bill.

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<v Speaker 1>All yeah, because I can't remember I had a So

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<v Speaker 1>I had a cat when I was a I think

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<v Speaker 1>when din't I get it, I had to get it,

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<v Speaker 1>like maybe like.

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<v Speaker 2>The cat that went to live with your neighbor.

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<v Speaker 1>Yeah, send the trader whatever. I'm not even mad at center,

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<v Speaker 1>because you know, I couldn't give her the life to

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<v Speaker 1>see deserved. She had to be out. But I remember,

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<v Speaker 1>like because that was one of the things, like I

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<v Speaker 1>begged my dad for this cat, and he's like, fine,

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<v Speaker 1>you have to take care of everything, Like I'll drive

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<v Speaker 1>you to the vet, but you have to pay for everything.

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<v Speaker 1>And I had, you know, I babysat and and you know,

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<v Speaker 1>I did like kind of little odd jobs around the neighborhood.

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<v Speaker 1>And I remember like I took her to the vet,

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<v Speaker 1>and like I remember, our bill was like one fifty

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<v Speaker 1>and I was like wait and and my dad was

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<v Speaker 1>like mmmm. But I paid it honestly, because you know,

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<v Speaker 1>that was my baby. I was like, whatever, whatever she needs.

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<v Speaker 1>I remember once I was so scared. I didn't you know,

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<v Speaker 1>I was I was young, so I didn't know anything

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<v Speaker 1>about heat, like animals going into heat, and she like,

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<v Speaker 1>when cat's going to heat, they do this like arching

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<v Speaker 1>back thing, you know. Basically, yes, they took the day

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<v Speaker 1>backing that thing up, you know, and I didn't know.

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<v Speaker 2>I just was like, what's wrong, Oh, you took her

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<v Speaker 2>for that? Yeah I did, And of course was like

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<v Speaker 2>she's just horny.

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<v Speaker 1>My dad of course was giggling me while made me

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<v Speaker 1>waste all my money. I guess you wanted be to

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<v Speaker 1>learn a lesson. I was like, my cat is sick.

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<v Speaker 1>She's sick, she's back in that thing of like yeah,

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<v Speaker 1>and so I had to pay for I got. I

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<v Speaker 1>got her newterd because I was like, she was like

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<v Speaker 1>an outside inside cat, so you know, so I was

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<v Speaker 1>like okay, and and so, but that was not cheap,

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<v Speaker 1>you know, and I paid for that out of pocket

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<v Speaker 1>like myself. And so it was just a really good

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<v Speaker 1>learning lesson of like you know, taking care of something

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<v Speaker 1>that needed you and setting inside that money. And yeah,

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<v Speaker 1>I was like, now the neighbors have her, the neighbors

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<v Speaker 1>have my kids, maybe me, and while she had everything

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<v Speaker 1>she needed whatever, whatever, Cinder, I hope you enjoyed your life.

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<v Speaker 2>Thank your name, per cut.

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<v Speaker 1>Well, so this is kind of random, but today, uh,

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<v Speaker 1>it didn't happen today because of the rain. But so

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<v Speaker 1>the city of Newark, you know how like Detroit still no,

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<v Speaker 1>not Detroit, Flint still does not have clean water.

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<v Speaker 2>Yes, and just came out. They dropped criminal charges against

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<v Speaker 2>basically everybody involved, which is just inculpable.

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<v Speaker 1>And you know, so I didn't fully understand, like, you know,

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<v Speaker 1>like what does it take? So I in Newark there

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<v Speaker 1>was like an expos I don't know. Something happened when

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<v Speaker 1>they were testing water and they found that Newerk, you know,

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<v Speaker 1>because New York is a very old city, had lead

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<v Speaker 1>pipes and there was like not every section of newer

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<v Speaker 1>because some sections are newer, but some sections are newer

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<v Speaker 1>were affected with lead in the water. So it was

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<v Speaker 1>like this whole big thing, and I have to say,

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<v Speaker 1>I'm really impressed with the way the city handled it.

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<v Speaker 1>Like one as soon as it came out, I'm sure

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<v Speaker 1>they knew already, but whatever, but as soon as it

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<v Speaker 1>came out, they handed out like you could get free

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<v Speaker 1>water filters, and then they instantly started like a replacement program.

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<v Speaker 1>So one it started, the first phase was getting tested,

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<v Speaker 1>like you signed up and it was free. They like

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<v Speaker 1>hired contractors from around local contractors from around the city

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<v Speaker 1>and its surrounding areas to come test. So someone came

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<v Speaker 1>to our house, our new house, and tested our inside

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<v Speaker 1>pipe and luckily it was copper, so copper pipes are fine.

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<v Speaker 1>And then then they would test the outside pipes. And

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<v Speaker 1>I mean, you did have to pay, because I believe

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<v Speaker 1>my contractor was telling me that if I had to

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<v Speaker 1>pay to replace the waterline in the street, that's over

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<v Speaker 1>ten thousand dollars. So the City of Newark said the

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<v Speaker 1>maximum you would have to pay to replace the copper

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<v Speaker 1>or to replace your water lines inside and outside the

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<v Speaker 1>house is one thousand dollars, which I don't know why

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<v Speaker 1>you'd have to pay to replace copper lines outside your house,

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<v Speaker 1>but whatever, And so I was like okay, so I

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<v Speaker 1>signed up. They came by they said it's copper on

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<v Speaker 1>the inside. And then so that means I just have

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<v Speaker 1>whatever pipes are in the streets. So they're gonna replace

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<v Speaker 1>they were supposed to do it today but it rained.

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<v Speaker 1>But I just thought, like when I tell you, Mandy,

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<v Speaker 1>it was so systematic. It was like, hey, here are

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<v Speaker 1>your your filters? Then too, you know, sign up to

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<v Speaker 1>have someone come by and check check your pipes because

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<v Speaker 1>not everyone is affected. Then three phase three is okay,

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<v Speaker 1>we're going like block by block to get you scheduled.

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<v Speaker 1>And so our neighbors across the street they got theirs

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<v Speaker 1>done today, like I said, because it was raining, they

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<v Speaker 1>had to stop to do ours. But I just thought, like,

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<v Speaker 1>I don't why hasn't this been done, you know what

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<v Speaker 1>I mean. I know it's probably affected more so than Newark,

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<v Speaker 1>but just watching the way Newark has handled it, I'm wondering,

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<v Speaker 1>like why is this not being handled in that way,

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<v Speaker 1>this systematic like approach, like this grid approach to like

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<v Speaker 1>affected areas, you know.

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<v Speaker 2>I mean, I wonder if Newark is reacting to the

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<v Speaker 2>crisis in Flint like they don't want the same nightmare.

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<v Speaker 1>Absolutely, I mean you can't have. They literally were finding

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<v Speaker 1>like some of the schools had like in the water

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<v Speaker 1>fountains had led like lead, Like that water had lead

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<v Speaker 1>in it. That's how it all started. I don't know

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<v Speaker 1>who tested it at first, but that came out and

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<v Speaker 1>it kind of tumbled out to like it just in

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<v Speaker 1>general that Newark because it was such an old city

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<v Speaker 1>that many of the pipes were still led pipes, and

0:10:45.960 --> 0:10:48.120
<v Speaker 1>so I just was just like really, like, you know,

0:10:48.200 --> 0:10:50.680
<v Speaker 1>like it's disappointing that you know, it took all of this,

0:10:50.880 --> 0:10:53.280
<v Speaker 1>but the fact that it's being like, you know, I

0:10:53.280 --> 0:10:56.440
<v Speaker 1>think it's like a two year and like the two yeah,

0:10:56.440 --> 0:10:57.640
<v Speaker 1>I think it was like two years. That's what I

0:10:57.679 --> 0:11:02.920
<v Speaker 1>read that the whole city should be like lead pipe free,

0:11:03.960 --> 0:11:05.880
<v Speaker 1>which is great, but it just made me think of

0:11:05.920 --> 0:11:10.280
<v Speaker 1>Flint and asking like, are people so busy like trying

0:11:10.280 --> 0:11:12.319
<v Speaker 1>to pass the buck that they're not just doing something

0:11:12.320 --> 0:11:12.800
<v Speaker 1>about it?

0:11:12.840 --> 0:11:16.679
<v Speaker 2>You know, Yes, that's what's happening, and uh, low income

0:11:16.720 --> 0:11:19.439
<v Speaker 2>brown children are suffering. I think what happened with Flint

0:11:19.480 --> 0:11:22.319
<v Speaker 2>is a pediatrician noticed it, like a or a researcher

0:11:22.559 --> 0:11:26.680
<v Speaker 2>was looking at data from a pediatrician or youth in

0:11:26.679 --> 0:11:28.800
<v Speaker 2>that area and then saw the patterns because it impacts

0:11:28.840 --> 0:11:32.240
<v Speaker 2>it's really dangerous for children lead poisoning because it could

0:11:32.240 --> 0:11:36.360
<v Speaker 2>just cause all kinds of developmental issues. My dad just

0:11:36.400 --> 0:11:39.000
<v Speaker 2>texted me telling me not to go to the Dominican Republic.

0:11:39.040 --> 0:11:42.720
<v Speaker 2>I'm like, great that news has reached the parents of America.

0:11:44.200 --> 0:11:47.600
<v Speaker 1>I saw that, Yeah, So like is it all the

0:11:47.640 --> 0:11:49.840
<v Speaker 1>same thing? Because some of it, I like, I was like,

0:11:50.280 --> 0:11:52.640
<v Speaker 1>was it somebody attacked or is it just all the alcohol?

0:11:53.040 --> 0:11:55.319
<v Speaker 1>Like I was confused as to like how they were

0:11:55.559 --> 0:11:58.320
<v Speaker 1>aside from it being in the Dominican Republic. Were the

0:11:58.400 --> 0:12:00.800
<v Speaker 1>deaths like related out of that, you know.

0:12:01.240 --> 0:12:04.400
<v Speaker 2>So for those who haven't been watching Good Morning America

0:12:04.559 --> 0:12:08.160
<v Speaker 2>like my dad does every day religiously, there have been

0:12:08.320 --> 0:12:12.760
<v Speaker 2>this this spate of just unexplained deaths happening to people

0:12:12.800 --> 0:12:16.280
<v Speaker 2>who are vacationing in the Dominican Republic and Punzakana, where

0:12:16.400 --> 0:12:18.400
<v Speaker 2>you know, my husband's family is Dominicans. So I've been

0:12:18.440 --> 0:12:22.400
<v Speaker 2>to several like Dominican vacations and weddings and stuff, and

0:12:22.440 --> 0:12:25.280
<v Speaker 2>these are all inclusive resorts and they're you know, you know,

0:12:25.320 --> 0:12:28.640
<v Speaker 2>they're like a luxury vacation destination. So the fact that

0:12:28.679 --> 0:12:32.920
<v Speaker 2>these tourists have been dying, although the country still says

0:12:32.960 --> 0:12:36.000
<v Speaker 2>that they're not related at all, it is kind of

0:12:36.080 --> 0:12:39.000
<v Speaker 2>it's becoming like suspicious, you know. It's it's a lot

0:12:39.040 --> 0:12:42.840
<v Speaker 2>of people yeah, my and my friends were texting earlier.

0:12:42.880 --> 0:12:47.600
<v Speaker 2>Would you go to dr and I don't? I mean,

0:12:47.960 --> 0:12:51.320
<v Speaker 2>you know it's I would wait to. I mean I

0:12:51.320 --> 0:12:53.120
<v Speaker 2>feel like I feel bad for people who have booked

0:12:53.160 --> 0:12:55.960
<v Speaker 2>vacations and don't have trip protection. Yeah, because then you're

0:12:56.000 --> 0:12:58.600
<v Speaker 2>just like, well, you know, what are the odds all?

0:12:58.640 --> 0:13:02.160
<v Speaker 1>Go? Right? I know I always think that, right when

0:13:02.600 --> 0:13:04.560
<v Speaker 1>what something is? He like, I mean, is it really

0:13:04.640 --> 0:13:05.680
<v Speaker 1>likely to happen to me?

0:13:06.440 --> 0:13:11.640
<v Speaker 2>Or yeah? So yeah, I mean you know there's yeah,

0:13:12.080 --> 0:13:15.320
<v Speaker 2>low odds, but uh, be careful out there if you're traveling.

0:13:16.480 --> 0:13:19.679
<v Speaker 1>Yeah, so this is like also random too. I think

0:13:19.720 --> 0:13:22.120
<v Speaker 1>I'm going to write a traditional book. Well, let me

0:13:22.200 --> 0:13:24.920
<v Speaker 1>not say traditional book because I've written obviously books before.

0:13:24.960 --> 0:13:27.640
<v Speaker 1>But I think I'm going to traditionally publish a book.

0:13:28.120 --> 0:13:31.000
<v Speaker 2>Right, you're wait, are you traditionally publishing the children's book?

0:13:31.679 --> 0:13:34.160
<v Speaker 1>No, because I don't want anybody to own Molly Moore?

0:13:34.200 --> 0:13:38.960
<v Speaker 1>But why so yeah no, yeah, so a different book

0:13:38.960 --> 0:13:41.240
<v Speaker 1>because a couple of publishers, like big name publishers. If

0:13:41.280 --> 0:13:42.680
<v Speaker 1>I would to say that, you'd be like, I know that,

0:13:42.679 --> 0:13:46.600
<v Speaker 1>and then they've reached out and it's like other publishers

0:13:46.600 --> 0:13:49.319
<v Speaker 1>have reached out before I just was kind of like, nah, no, no, no,

0:13:49.520 --> 0:13:51.600
<v Speaker 1>but I don't know for some reason, like two or

0:13:51.600 --> 0:13:55.320
<v Speaker 1>three in particular, maybe saying hmmm, I might be interested.

0:13:55.360 --> 0:13:57.800
<v Speaker 1>But then I said, well, I have to get an

0:13:57.800 --> 0:14:00.240
<v Speaker 1>agent because I don't want to navigate that space alone.

0:14:00.280 --> 0:14:02.520
<v Speaker 1>You know. I'm like, I'm wise enough to know now

0:14:02.679 --> 0:14:05.839
<v Speaker 1>that you don't go those things alone. So I reached

0:14:05.840 --> 0:14:08.880
<v Speaker 1>out to a couple of people, and i'd spoken at

0:14:08.920 --> 0:14:11.760
<v Speaker 1>south By Southwest. Gene Chatsky. You've probably seen her on

0:14:11.800 --> 0:14:12.960
<v Speaker 1>the Today Is It Today Show?

0:14:13.000 --> 0:14:16.560
<v Speaker 2>Or I think she's the Today Show financial expert.

0:14:16.640 --> 0:14:19.240
<v Speaker 1>Yeah, yeah, super nice, and I think I met her

0:14:19.240 --> 0:14:21.320
<v Speaker 1>at Fincon and then I was on her like podcast

0:14:21.440 --> 0:14:23.160
<v Speaker 1>or something like that. She's just a really nice woman.

0:14:23.200 --> 0:14:26.640
<v Speaker 1>So she'd asked me to speak at south By Southwest Edu,

0:14:26.960 --> 0:14:29.760
<v Speaker 1>which is like the educational south By Southwest right like

0:14:29.800 --> 0:14:32.480
<v Speaker 1>the day before the regular south By Southwest, and we

0:14:32.560 --> 0:14:35.680
<v Speaker 1>spoke on Time Magazine had like a panel about kids

0:14:35.680 --> 0:14:38.360
<v Speaker 1>and money. So anyway, so she was telling me about

0:14:38.400 --> 0:14:41.480
<v Speaker 1>her new book called I think it's called Women in Money.

0:14:42.200 --> 0:14:44.680
<v Speaker 1>She's like, you know, like, and I was like, oh

0:14:44.760 --> 0:14:46.720
<v Speaker 1>my gosh, that's great, and then it like dropped my memory.

0:14:46.880 --> 0:14:49.960
<v Speaker 1>I was like, do you have do you have a

0:14:50.200 --> 0:14:51.720
<v Speaker 1>book agent? And she's like, yes, I have a kick

0:14:51.760 --> 0:14:54.800
<v Speaker 1>ass book agent. She's awesome. And so she introduced me

0:14:55.200 --> 0:14:57.120
<v Speaker 1>and she is kick ass. Like, first of all, you know,

0:14:57.240 --> 0:14:58.800
<v Speaker 1>like I'm not a huge curser, but I kind of

0:14:58.800 --> 0:14:59.480
<v Speaker 1>like a people curse.

0:15:00.120 --> 0:15:02.720
<v Speaker 2>Yes, we have talked about this, the cursing book agent. Yes,

0:15:02.800 --> 0:15:03.640
<v Speaker 2>tell me yes.

0:15:04.200 --> 0:15:06.400
<v Speaker 1>So she's like really like I love her, She's great.

0:15:06.440 --> 0:15:10.840
<v Speaker 1>And then we were talking about so this book agent

0:15:11.760 --> 0:15:15.560
<v Speaker 1>did the four hour workweek. I was like, hold up,

0:15:15.560 --> 0:15:17.400
<v Speaker 1>wait a minute, isn't that awesome?

0:15:17.640 --> 0:15:20.240
<v Speaker 2>Oh that's the famous book by that guy. What's his name,

0:15:20.960 --> 0:15:24.760
<v Speaker 2>Tim Ferriss, Yes, Productivity, Yes, correct.

0:15:24.720 --> 0:15:27.320
<v Speaker 1>Yes, and so yeah, so I just thought like, well,

0:15:27.320 --> 0:15:31.080
<v Speaker 1>she's started her own business. She's not whatever whatever agency

0:15:31.160 --> 0:15:33.280
<v Speaker 1>that she did that through. But I just thought like wow,

0:15:33.400 --> 0:15:36.240
<v Speaker 1>it just you know, was like this is awesome and amazing,

0:15:36.320 --> 0:15:38.200
<v Speaker 1>and she honestly super nice. I met her in New

0:15:38.280 --> 0:15:40.920
<v Speaker 1>York and she just gave me like my homework I

0:15:41.000 --> 0:15:44.000
<v Speaker 1>have to do, like my proposals to like a month

0:15:44.240 --> 0:15:46.880
<v Speaker 1>a month or so. But yeah, I'm excited, you know,

0:15:47.000 --> 0:15:50.880
<v Speaker 1>like I never really thought about traditionally publishing, but there

0:15:50.920 --> 0:15:53.720
<v Speaker 1>are some benefits because no matter what you know, you're

0:15:53.800 --> 0:15:57.920
<v Speaker 1>obviously like the no one takes self publishing a serious

0:15:57.920 --> 0:16:00.840
<v Speaker 1>obviously as traditional publishing. But for me, I didn't really

0:16:00.880 --> 0:16:02.920
<v Speaker 1>care about that because I was like, well, I'm only

0:16:02.960 --> 0:16:05.600
<v Speaker 1>here to be serious to dreamcatchers my audience, you know.

0:16:06.800 --> 0:16:08.800
<v Speaker 1>And so because those books have done really well. And

0:16:08.880 --> 0:16:12.280
<v Speaker 1>plus two, you know, when you publish traditionally, you really

0:16:12.320 --> 0:16:15.160
<v Speaker 1>don't get I mean, if you don't get a good advance,

0:16:15.320 --> 0:16:17.400
<v Speaker 1>you don't really make much money on the back end,

0:16:17.520 --> 0:16:20.280
<v Speaker 1>you know, right, I mean, you know there's some things

0:16:20.280 --> 0:16:22.640
<v Speaker 1>you could do to negotiate, but still nothing, I mean,

0:16:22.720 --> 0:16:24.920
<v Speaker 1>nothing compares to getting seventy percent of your own book

0:16:25.320 --> 0:16:27.880
<v Speaker 1>versus whatever it is. You know that you get traditional publishing.

0:16:27.920 --> 0:16:31.040
<v Speaker 1>So I'm excited. So I'm the good thing is but Lynette,

0:16:31.040 --> 0:16:33.400
<v Speaker 1>you know our fairy, our fairy financial godmother that we

0:16:33.440 --> 0:16:35.520
<v Speaker 1>all love, Lynette Kaw f Annie Hawks. I think she's

0:16:35.520 --> 0:16:37.280
<v Speaker 1>on Good Morning America. She's the like the go to

0:16:37.400 --> 0:16:41.120
<v Speaker 1>financial expert there. So she was telling me because Lynette

0:16:41.160 --> 0:16:43.640
<v Speaker 1>has a a New York Times bestseller I think a

0:16:43.680 --> 0:16:47.080
<v Speaker 1>couple of them, but she has traditionally published and published

0:16:47.160 --> 0:16:50.320
<v Speaker 1>also self published. She said, the great thing about having

0:16:50.440 --> 0:16:52.960
<v Speaker 1>at least one or two traditionally published books is that

0:16:53.320 --> 0:16:55.680
<v Speaker 1>when people love them, people tend to like buy all

0:16:55.760 --> 0:16:57.440
<v Speaker 1>your books, you know, like, oh my god, I love Lynette.

0:16:57.600 --> 0:16:59.440
<v Speaker 1>So she was like, it kind of like gives you

0:16:59.520 --> 0:17:02.040
<v Speaker 1>more sale in where you get more money anyway, which

0:17:02.080 --> 0:17:03.720
<v Speaker 1>is you know, the ones that you self published. So

0:17:04.359 --> 0:17:05.560
<v Speaker 1>she was like, you know, she kind of gave me

0:17:05.680 --> 0:17:08.639
<v Speaker 1>like the like the thumbs up, go ahead, like do

0:17:08.760 --> 0:17:12.160
<v Speaker 1>it girl. So I'm excited, you know, I'm I'm still

0:17:12.160 --> 0:17:13.800
<v Speaker 1>trying to figure out like what to the book. I mean,

0:17:13.840 --> 0:17:15.840
<v Speaker 1>obviously personal finance, but like you know, what to the

0:17:15.840 --> 0:17:18.159
<v Speaker 1>book kind of like be about because I figure I

0:17:18.200 --> 0:17:20.360
<v Speaker 1>feel like I've covered, you know, so many other topics

0:17:21.600 --> 0:17:23.440
<v Speaker 1>and so yeah, I'm just I'm just really excited. And

0:17:23.600 --> 0:17:26.479
<v Speaker 1>it's exciting because that book, Tim Ferris's book before our

0:17:26.560 --> 0:17:28.960
<v Speaker 1>work week, that book I used to read it during

0:17:29.040 --> 0:17:30.840
<v Speaker 1>that time when the kids were asleep when I taught

0:17:30.840 --> 0:17:34.320
<v Speaker 1>preschool for ten years, and it really helped me to

0:17:34.400 --> 0:17:36.520
<v Speaker 1>start the budget Neista. I remember I had like a

0:17:36.560 --> 0:17:39.240
<v Speaker 1>notebook full of notes and like it just really helped

0:17:39.280 --> 0:17:41.960
<v Speaker 1>to like jump start like what I'm doing now. So

0:17:42.040 --> 0:17:44.520
<v Speaker 1>what a full circle moment right, like she played this

0:17:44.720 --> 0:17:47.920
<v Speaker 1>huge role in that and and you know, and that

0:17:48.080 --> 0:17:50.200
<v Speaker 1>really helped that book play the huge role into what

0:17:50.240 --> 0:17:53.160
<v Speaker 1>I'm doing now. So I'm like, look in, look at good.

0:17:54.119 --> 0:17:55.880
<v Speaker 2>So you don't know what it'll be about, y'all. I'm

0:17:55.920 --> 0:17:56.800
<v Speaker 2>still figuring it out.

0:17:57.520 --> 0:17:58.800
<v Speaker 1>Yeah, I mean, I know it's going to be about

0:17:58.800 --> 0:18:01.399
<v Speaker 1>personal finance obviously, but in what realm like for example,

0:18:01.440 --> 0:18:03.160
<v Speaker 1>you know, don't have my literature challenge books. I've talked

0:18:03.160 --> 0:18:05.440
<v Speaker 1>about budgeting. I have a budget book, I have a

0:18:05.480 --> 0:18:07.879
<v Speaker 1>savings book, a credit book, you know. So it's kind

0:18:07.920 --> 0:18:11.120
<v Speaker 1>of like, well, what you know, what how about this, y'all?

0:18:11.200 --> 0:18:13.800
<v Speaker 1>Tweet me or like write under my Instagram post like

0:18:13.880 --> 0:18:16.440
<v Speaker 1>what if you wanted a book for me? Like, you know,

0:18:16.560 --> 0:18:19.919
<v Speaker 1>what would it be? So I have some ideas kind

0:18:19.960 --> 0:18:22.240
<v Speaker 1>of swirling. I'm gonna save some of them to myself

0:18:22.280 --> 0:18:24.120
<v Speaker 1>when I think, you know, I'll tell you offline, Mandy,

0:18:24.480 --> 0:18:27.080
<v Speaker 1>but I you know, but I am really curious as

0:18:27.119 --> 0:18:30.800
<v Speaker 1>that what do people actually need and want? And so

0:18:31.080 --> 0:18:33.320
<v Speaker 1>she gave me some really great idea So I'm kind

0:18:33.320 --> 0:18:36.960
<v Speaker 1>of like doing some research now. We have a few,

0:18:37.080 --> 0:18:39.639
<v Speaker 1>like I'd written a few like social media posts like

0:18:39.680 --> 0:18:42.080
<v Speaker 1>in the past, asking what people really needed help with,

0:18:42.359 --> 0:18:43.840
<v Speaker 1>so I can get just an understanding of what do

0:18:43.920 --> 0:18:46.000
<v Speaker 1>people really need and how do I deliver that. So

0:18:46.280 --> 0:18:48.760
<v Speaker 1>but you can tweet me at the Budgetista or you know,

0:18:48.840 --> 0:18:51.520
<v Speaker 1>post under my Instagram. The Budgetista was like, girl, I

0:18:51.560 --> 0:18:53.240
<v Speaker 1>would love it for you to write about this or

0:18:53.240 --> 0:18:55.400
<v Speaker 1>I'm struggling with this or whatever that looks like, because

0:18:55.400 --> 0:18:57.320
<v Speaker 1>that would be really helpful because I don't want to

0:18:57.320 --> 0:18:59.320
<v Speaker 1>write a book that you don't need, you know, So

0:18:59.720 --> 0:19:01.920
<v Speaker 1>I'm excited. And so I actually picked up his book

0:19:01.920 --> 0:19:05.960
<v Speaker 1>The Four Hour Workweek from Barnes and Noble today because

0:19:06.040 --> 0:19:08.600
<v Speaker 1>I I am the type that when I the books

0:19:08.640 --> 0:19:09.920
<v Speaker 1>that I like to write, I liked for them to

0:19:10.000 --> 0:19:13.160
<v Speaker 1>have a formula, you know, like here are concrete steps

0:19:13.440 --> 0:19:16.119
<v Speaker 1>with concrete things that you can do, not just like

0:19:16.840 --> 0:19:19.440
<v Speaker 1>a book like that's just kind of like talking and like,

0:19:19.560 --> 0:19:22.280
<v Speaker 1>you know, like theorizing about things I like to say today,

0:19:22.400 --> 0:19:24.480
<v Speaker 1>pick up a pen and write this thing down. So

0:19:24.840 --> 0:19:26.560
<v Speaker 1>and his book is like, you know, in alignment with that,

0:19:26.640 --> 0:19:27.639
<v Speaker 1>So I was like, let me pick it up and

0:19:27.880 --> 0:19:30.760
<v Speaker 1>kind of get that energy that helped me move that

0:19:31.160 --> 0:19:33.360
<v Speaker 1>trance to help to transform my life. Because I want

0:19:33.440 --> 0:19:36.760
<v Speaker 1>my book to have a similar energy in that it's transformative,

0:19:36.960 --> 0:19:38.480
<v Speaker 1>but in a like a real way, you.

0:19:38.520 --> 0:19:41.160
<v Speaker 2>Know, making me feel bad. I've never read that book before.

0:19:41.280 --> 0:19:41.920
<v Speaker 1>I know I need to.

0:19:42.040 --> 0:19:45.120
<v Speaker 2>I'm like the only person who's ever read it. I'm

0:19:45.160 --> 0:19:45.879
<v Speaker 2>gonna pick it up too.

0:19:46.560 --> 0:19:48.320
<v Speaker 1>Yeah it's a good Honestly, it's a really good book.

0:19:48.320 --> 0:19:50.920
<v Speaker 1>It's just yeah, I mean it was really like I said,

0:19:50.920 --> 0:19:52.600
<v Speaker 1>it was helpful, and it didn't. It didn't feel like,

0:19:52.640 --> 0:19:54.359
<v Speaker 1>you know, he was talking over my head. It was

0:19:54.480 --> 0:19:56.320
<v Speaker 1>just he was like one of the first guys to

0:19:56.359 --> 0:19:59.639
<v Speaker 1>write in that bro language, you know, like you know,

0:19:59.800 --> 0:20:02.200
<v Speaker 1>not like because most of these books, these business books

0:20:02.240 --> 0:20:04.400
<v Speaker 1>are written by like I've got my MBA and I've

0:20:04.400 --> 0:20:07.040
<v Speaker 1>got my doctorates and you want to you know, but

0:20:07.200 --> 0:20:09.040
<v Speaker 1>he was like, hey, what's up, guys, Like that book

0:20:09.119 --> 0:20:12.000
<v Speaker 1>is very much like that brosky kind of language. And

0:20:12.040 --> 0:20:14.840
<v Speaker 1>even though he's totally like a bro, I didn't feel

0:20:15.040 --> 0:20:17.800
<v Speaker 1>left out of the conversation. And somehow I felt like, Okay,

0:20:17.840 --> 0:20:18.520
<v Speaker 1>this is for me too.

0:20:20.200 --> 0:20:23.280
<v Speaker 2>Well that's so exciting. Okay, keep us posted, we'll do

0:20:56.600 --> 0:20:58.040
<v Speaker 2>Shall we take some questions?

0:20:58.600 --> 0:21:00.400
<v Speaker 1>Yes, let's all right.

0:21:00.560 --> 0:21:03.960
<v Speaker 2>To appease the audience. Who thinks I'm ignoring them? In

0:21:04.040 --> 0:21:06.480
<v Speaker 2>the regular email inbox, which I'm not. You can still

0:21:06.520 --> 0:21:09.520
<v Speaker 2>send us questions at Brannivision Podcasts at gmail dot com

0:21:10.960 --> 0:21:14.959
<v Speaker 2>or brannanbisionpodcast dot com. Ask us anything tab. The thing

0:21:15.040 --> 0:21:18.200
<v Speaker 2>about questions is sometimes I will skip questions if we've

0:21:18.240 --> 0:21:20.480
<v Speaker 2>already answered similar ones before. So I like to I

0:21:20.600 --> 0:21:23.280
<v Speaker 2>like to get a nice variety. So if we don't

0:21:23.320 --> 0:21:25.680
<v Speaker 2>answer your question, we can't get to every single question,

0:21:25.760 --> 0:21:27.919
<v Speaker 2>and sometimes it may just be that we've answered something similar.

0:21:28.000 --> 0:21:31.000
<v Speaker 2>So don't take it personally. We really appreciate you guys

0:21:31.040 --> 0:21:34.159
<v Speaker 2>sending questions in and we try to get to We

0:21:34.320 --> 0:21:35.920
<v Speaker 2>just try and get to the ones that are a

0:21:35.960 --> 0:21:37.080
<v Speaker 2>little bit different than we have it.

0:21:37.240 --> 0:21:43.080
<v Speaker 3>Don't take it personal. Who Mandy, quick, quick quick, don't

0:21:43.200 --> 0:21:47.880
<v Speaker 3>take it personal. Literally, just one of them days, Mandy.

0:21:48.280 --> 0:21:50.480
<v Speaker 1>That a girl goes through. Do I have to take

0:21:50.480 --> 0:21:51.440
<v Speaker 1>your black and brown cart?

0:21:54.400 --> 0:21:57.840
<v Speaker 2>You can? I think someone else has them. Actually, they've

0:21:57.840 --> 0:22:01.000
<v Speaker 2>been stolen so many times and revoked. I'm in debt.

0:22:01.880 --> 0:22:05.080
<v Speaker 1>I'm gonna take me like I have your millennial card. Now,

0:22:05.280 --> 0:22:08.000
<v Speaker 1>this card, I'm like, you know, yeah, so it's okay,

0:22:08.119 --> 0:22:09.840
<v Speaker 1>it's okay. We don't find I was like, but you

0:22:09.920 --> 0:22:11.159
<v Speaker 1>do know Monica the artist.

0:22:11.400 --> 0:22:15.359
<v Speaker 2>Yeah, I know Monica, No you don't, I guess I do.

0:22:15.600 --> 0:22:21.080
<v Speaker 2>Angel of My. I can only name two of her

0:22:21.119 --> 0:22:23.800
<v Speaker 2>songs though, that one and the Brandy What was it

0:22:23.880 --> 0:22:24.280
<v Speaker 2>the Boys?

0:22:25.840 --> 0:22:27.520
<v Speaker 1>Because Angel of Mine? I feel like it's less popular

0:22:27.560 --> 0:22:29.119
<v Speaker 1>than like Don't take a Wait? Is it one of

0:22:29.160 --> 0:22:31.840
<v Speaker 1>those that was her first song? Like the one of

0:22:31.920 --> 0:22:34.520
<v Speaker 1>them days? But anyway, anyway back to the questions.

0:22:34.359 --> 0:22:35.680
<v Speaker 2>Yeah, yeah, yeah, I was about to go into a

0:22:35.720 --> 0:22:38.320
<v Speaker 2>whole thing with my travel. Kay, okay, whatever should out

0:22:38.359 --> 0:22:43.720
<v Speaker 2>to Monica? Love her all? Right? Questions which I have

0:22:43.840 --> 0:22:46.280
<v Speaker 2>promptly lost as I was talking about them.

0:22:49.400 --> 0:22:49.760
<v Speaker 1>Here we go.

0:22:50.440 --> 0:22:56.359
<v Speaker 2>This question comes from Dizzle DG on Instagram. He says, hello,

0:22:56.560 --> 0:22:59.000
<v Speaker 2>who this is a guy? Okay, Hello, My wife and

0:22:59.040 --> 0:23:01.399
<v Speaker 2>I are working on I just corrected his grammar as

0:23:01.480 --> 0:23:03.080
<v Speaker 2>I was reading it, which I know was annoying, but

0:23:03.160 --> 0:23:06.399
<v Speaker 2>I sorry. I'm sorry, Dizzle. Hello. My wife and I

0:23:06.520 --> 0:23:09.000
<v Speaker 2>are working on saving money, but are having a hard

0:23:09.040 --> 0:23:11.520
<v Speaker 2>time putting money in places and leaving it there. Because

0:23:11.520 --> 0:23:13.680
<v Speaker 2>of that, we're looking into putting our money into things

0:23:13.720 --> 0:23:17.520
<v Speaker 2>that we can't easily access, like investing in mutual funds

0:23:17.640 --> 0:23:20.080
<v Speaker 2>ETFs or bonds. Do you think this is a good

0:23:20.119 --> 0:23:22.919
<v Speaker 2>idea or do you have any suggestions on better ideas

0:23:23.000 --> 0:23:27.040
<v Speaker 2>for this type of saving. I feel your pain. Yes,

0:23:27.200 --> 0:23:29.240
<v Speaker 2>you put the money away and then something happens and

0:23:29.320 --> 0:23:31.280
<v Speaker 2>you dip into it. I've been there before.

0:23:32.119 --> 0:23:34.040
<v Speaker 1>Yes, So I think we all feel like, like, how

0:23:34.080 --> 0:23:35.200
<v Speaker 1>do you hide money from yourself?

0:23:35.200 --> 0:23:37.960
<v Speaker 2>Mancha for a while, Like I used to be really

0:23:38.000 --> 0:23:42.160
<v Speaker 2>extreme about it. I had my checking account in one place,

0:23:42.280 --> 0:23:45.280
<v Speaker 2>and then I had like seven separate savings accounts and

0:23:46.040 --> 0:23:48.840
<v Speaker 2>another bank that where I could open up as money

0:23:48.840 --> 0:23:51.280
<v Speaker 2>as I wanted. Each savings account had a name. There

0:23:51.400 --> 0:23:52.800
<v Speaker 2>was like nation name.

0:23:53.200 --> 0:23:54.760
<v Speaker 1>You are men to judge me?

0:23:55.040 --> 0:23:58.360
<v Speaker 2>Well, this was me. I've toned it down over the years.

0:23:58.400 --> 0:24:01.920
<v Speaker 2>I've simplified things. Yeah, like the savings there was like

0:24:01.960 --> 0:24:05.280
<v Speaker 2>the emergency fund, there was the vacation fund, the Christmas

0:24:05.520 --> 0:24:08.160
<v Speaker 2>gift fund. I mean it was like I just remember

0:24:08.280 --> 0:24:13.400
<v Speaker 2>seven different savings accounts. Lately, I have used my I've

0:24:13.480 --> 0:24:16.000
<v Speaker 2>made peace with my like my four oh one K

0:24:16.240 --> 0:24:18.360
<v Speaker 2>automatic savings or my for those of you who don't

0:24:18.359 --> 0:24:20.679
<v Speaker 2>have a four oh one k your IRA. If ever

0:24:20.800 --> 0:24:23.800
<v Speaker 2>I'm feeling like I'm doing something wrong, I'm like, but

0:24:23.880 --> 0:24:26.520
<v Speaker 2>I'm still saving ten percent of my income each month

0:24:27.119 --> 0:24:29.199
<v Speaker 2>or ten to fifteen percent, depending on I Sometimes they

0:24:29.240 --> 0:24:32.399
<v Speaker 2>ratchet it up for retirement, and I always have like

0:24:32.480 --> 0:24:34.240
<v Speaker 2>peace of mind knowing that I had this money in

0:24:34.280 --> 0:24:38.080
<v Speaker 2>the bank and that I can't touch it without penalties,

0:24:38.240 --> 0:24:42.240
<v Speaker 2>you know, without tax penalties or or or taxes to

0:24:42.320 --> 0:24:45.280
<v Speaker 2>pay on it, because there's all these rules associated with it.

0:24:45.359 --> 0:24:47.720
<v Speaker 2>So I feel good about that. And then, you know,

0:24:47.760 --> 0:24:49.600
<v Speaker 2>if I dip into my savings once in a while,

0:24:50.560 --> 0:24:52.520
<v Speaker 2>especially when we were doing the house, like the savings

0:24:52.640 --> 0:24:56.399
<v Speaker 2>was like seriously depleted, I could at least feel comfort

0:24:56.480 --> 0:25:00.840
<v Speaker 2>knowing we never stopped saving for retirement. But as far as,

0:25:01.000 --> 0:25:03.560
<v Speaker 2>like you know, I do think it's you know, if

0:25:03.600 --> 0:25:05.199
<v Speaker 2>you're talking about it depends on what you guys are

0:25:05.240 --> 0:25:07.960
<v Speaker 2>saving for you and your wife. If you're saving for

0:25:08.880 --> 0:25:12.400
<v Speaker 2>that emergency fund where okay, leaky roof car breaks down,

0:25:12.480 --> 0:25:14.359
<v Speaker 2>you should have that money somewhere you can access that.

0:25:14.400 --> 0:25:16.399
<v Speaker 2>You just got to be disciplined, So try putting in

0:25:16.480 --> 0:25:18.560
<v Speaker 2>a different bank account that you don't have a debit

0:25:18.640 --> 0:25:21.399
<v Speaker 2>card tied to that you can't easily access. You know,

0:25:21.440 --> 0:25:23.920
<v Speaker 2>they don't have the account. Never memorize things like that.

0:25:25.280 --> 0:25:27.199
<v Speaker 2>But if we're talking about money that you don't need

0:25:27.280 --> 0:25:29.879
<v Speaker 2>for a year or two. Yes, I think CDs can

0:25:29.920 --> 0:25:32.440
<v Speaker 2>be great. You know, we opened our first couple of

0:25:32.560 --> 0:25:35.280
<v Speaker 2>CDs a year or two ago because rates were getting

0:25:35.280 --> 0:25:37.159
<v Speaker 2>a lot better than savings accounts and it seemed like

0:25:37.200 --> 0:25:39.960
<v Speaker 2>it made sense. So I'm a fan of that. And

0:25:41.480 --> 0:25:44.520
<v Speaker 2>you know, as far as like mutual funds ETFs, now

0:25:44.560 --> 0:25:48.080
<v Speaker 2>you're talking about investing, and you have to be aware

0:25:48.160 --> 0:25:50.560
<v Speaker 2>that if you're going to be saving in the market,

0:25:51.440 --> 0:25:54.640
<v Speaker 2>you know, it's more investing and you could the potential

0:25:54.680 --> 0:25:57.240
<v Speaker 2>for reward is higher, but the potential for losses is

0:25:57.320 --> 0:25:59.800
<v Speaker 2>higher too. So you know, you don't want to be

0:25:59.800 --> 0:26:04.720
<v Speaker 2>put in your emergency fund for you know, unexpected emergencies

0:26:05.240 --> 0:26:07.720
<v Speaker 2>tied up in the market, because you know what, if

0:26:07.760 --> 0:26:10.919
<v Speaker 2>something bad happens, then your backup plan is completely obliterated.

0:26:12.800 --> 0:26:14.719
<v Speaker 1>Yeah, I was gonna say that, like if I mean,

0:26:14.760 --> 0:26:16.920
<v Speaker 1>I would keep my emergency fund, you know, kind of

0:26:17.040 --> 0:26:19.800
<v Speaker 1>like locked away at like a an online only bank,

0:26:19.840 --> 0:26:22.280
<v Speaker 1>you can. I just actually sent somebody to Magnified Money yesterday.

0:26:22.359 --> 0:26:25.320
<v Speaker 1>I was one of my friends. We did like a barter.

0:26:25.760 --> 0:26:28.760
<v Speaker 1>She is like an amazing photographer, and so she was like, hey,

0:26:28.880 --> 0:26:30.360
<v Speaker 1>can you just like help me kind of like look

0:26:30.400 --> 0:26:31.680
<v Speaker 1>at my money and see like what I could do

0:26:31.800 --> 0:26:34.080
<v Speaker 1>to tighten up. I was like, sure, can I get

0:26:34.119 --> 0:26:37.680
<v Speaker 1>some free pictures? So we did a barn She's like sure,

0:26:38.160 --> 0:26:41.000
<v Speaker 1>and so she so, but we actually I actually told

0:26:41.000 --> 0:26:42.920
<v Speaker 1>her go on Magnified Like I took her on Magnified

0:26:42.960 --> 0:26:46.720
<v Speaker 1>money dot com. I was like, click savings and then

0:26:46.880 --> 0:26:48.719
<v Speaker 1>like I showed her like, see, these are like these

0:26:48.760 --> 0:26:51.200
<v Speaker 1>online only savings accounts that I really love, and look

0:26:51.280 --> 0:26:54.919
<v Speaker 1>for the ones that are a FDIC insured minimum deposit

0:26:55.200 --> 0:27:00.159
<v Speaker 1>like you know zero basically highest interest rate, and and

0:27:00.280 --> 0:27:01.760
<v Speaker 1>that you don't have to have a certain deposit in

0:27:01.880 --> 0:27:03.560
<v Speaker 1>order to like do you have you don't have to

0:27:03.600 --> 0:27:05.520
<v Speaker 1>maintain a certain deposit in order to get that industry.

0:27:05.600 --> 0:27:08.120
<v Speaker 1>And so she picked one that she felt like comfortable

0:27:08.200 --> 0:27:11.320
<v Speaker 1>with but saving like emergency funds there it at least

0:27:11.400 --> 0:27:13.040
<v Speaker 1>don't open up a checking account at that bank, but

0:27:13.080 --> 0:27:15.920
<v Speaker 1>it at least provided that buffer of like twenty four

0:27:16.000 --> 0:27:17.560
<v Speaker 1>to seventy two hours. That's how long it takes to

0:27:17.600 --> 0:27:20.240
<v Speaker 1>get your money back if you attach your online only

0:27:20.320 --> 0:27:23.840
<v Speaker 1>savings account to your traditional checking account, so it's checking

0:27:23.840 --> 0:27:26.760
<v Speaker 1>account at a different brick and mortar bank savings account online,

0:27:26.800 --> 0:27:29.320
<v Speaker 1>so that will help a little bit, because literally there's

0:27:29.320 --> 0:27:31.320
<v Speaker 1>no way for you to get your money except for

0:27:31.440 --> 0:27:33.200
<v Speaker 1>to make that transfer and wait at least twenty four

0:27:33.200 --> 0:27:37.160
<v Speaker 1>hours and then you know, outside of an emergency fund,

0:27:37.560 --> 0:27:39.840
<v Speaker 1>you know, I think most of us, if if we

0:27:40.000 --> 0:27:42.320
<v Speaker 1>keep money laying around too much or you know, we're

0:27:42.400 --> 0:27:44.879
<v Speaker 1>apt to spend it. And so yeah, so I mean

0:27:45.040 --> 0:27:49.320
<v Speaker 1>it are you that extra money if if it's saving

0:27:49.440 --> 0:27:51.520
<v Speaker 1>for a specific thing or it's just like there's this

0:27:51.640 --> 0:27:54.200
<v Speaker 1>extra money, and then you know, then I would look

0:27:54.240 --> 0:27:56.920
<v Speaker 1>to invest in I particularly like like Vanguard. These people

0:27:56.920 --> 0:27:58.440
<v Speaker 1>are not you know, mag Ifi. My money doesn't pay me.

0:27:58.440 --> 0:28:01.560
<v Speaker 1>They pay the Vaney though, but she worked there. But

0:28:02.520 --> 0:28:04.320
<v Speaker 1>but like Vanguard doesn't pay me anything. But I like

0:28:04.400 --> 0:28:06.120
<v Speaker 1>Vanguard as far as like if I'm going to look

0:28:06.119 --> 0:28:08.720
<v Speaker 1>for mutual funds and ets, and I like their philosophy

0:28:08.760 --> 0:28:12.000
<v Speaker 1>as a company. They've got a really low expense ratio,

0:28:12.400 --> 0:28:15.520
<v Speaker 1>which is basically the fee that they that they charge

0:28:15.560 --> 0:28:18.200
<v Speaker 1>you in order to in order to manage your money.

0:28:18.480 --> 0:28:19.840
<v Speaker 1>I think, like last of my check was like well

0:28:19.920 --> 0:28:22.480
<v Speaker 1>under one percent. I don't quote me, but I mean

0:28:22.600 --> 0:28:25.960
<v Speaker 1>that's the last time I checked. And so yeah, you

0:28:26.040 --> 0:28:27.639
<v Speaker 1>should be investing. I mean, I don't know, if there

0:28:27.800 --> 0:28:30.240
<v Speaker 1>you guys are investing, Like, are you setting aside at

0:28:30.359 --> 0:28:33.080
<v Speaker 1>least ten percent of your income for retirement? If that's

0:28:33.280 --> 0:28:35.560
<v Speaker 1>not the case, maybe start beefing that up a little bit.

0:28:36.119 --> 0:28:40.160
<v Speaker 1>But yeah, just having your money languishing is you know,

0:28:40.240 --> 0:28:41.960
<v Speaker 1>it's a problem we all have. I know, I've definitely

0:28:42.040 --> 0:28:44.720
<v Speaker 1>been there, and so I've been making changes, so it's

0:28:44.760 --> 0:28:46.600
<v Speaker 1>not just kind of sitting there doing nothing waiting to

0:28:46.640 --> 0:28:46.960
<v Speaker 1>be spent.

0:28:48.200 --> 0:28:50.000
<v Speaker 2>Yeah, and if you guys are, it sounds like the

0:28:50.080 --> 0:28:53.200
<v Speaker 2>problem is that you're putting money away, but then you're

0:28:53.320 --> 0:28:55.320
<v Speaker 2>finding that you need it for something. So maybe it's

0:28:55.440 --> 0:28:58.520
<v Speaker 2>like the symptom of a deeper issue, which could be

0:28:58.640 --> 0:29:01.080
<v Speaker 2>cash flow. Like, you know, take a look at your

0:29:01.160 --> 0:29:03.720
<v Speaker 2>expenses versus what you guys have have coming in. Do

0:29:03.760 --> 0:29:06.760
<v Speaker 2>you have unrealistic expectations of how much you can save?

0:29:07.840 --> 0:29:10.360
<v Speaker 2>You know, should you be starting smaller working your way up,

0:29:10.560 --> 0:29:12.480
<v Speaker 2>or are there some expenses you can cut to give

0:29:12.520 --> 0:29:14.920
<v Speaker 2>yourself more wiggle rooms you can put away more money

0:29:15.880 --> 0:29:18.320
<v Speaker 2>and you know, just you know, go easy on yourself.

0:29:18.800 --> 0:29:22.040
<v Speaker 2>Saving a little bit is better than nothing. So yeah,

0:29:22.160 --> 0:29:22.400
<v Speaker 2>take it.

0:29:22.520 --> 0:29:26.000
<v Speaker 1>Yeah slow and thank you your question. Yes, And I

0:29:26.120 --> 0:29:28.720
<v Speaker 1>like CDP. I know people are like CdSe like old people.

0:29:28.800 --> 0:29:30.800
<v Speaker 1>But I'm like no, I opened up CDs like for

0:29:30.920 --> 0:29:32.360
<v Speaker 1>my my nieces and my nephews.

0:29:33.120 --> 0:29:35.400
<v Speaker 2>I mean, CD rates are now cooling off because the

0:29:35.480 --> 0:29:38.440
<v Speaker 2>FED has stopped raising rates every which way like they

0:29:38.520 --> 0:29:42.520
<v Speaker 2>were for the past you know, decade. It it felt like,

0:29:44.320 --> 0:29:46.360
<v Speaker 2>or certainly the last few years, rates were just going

0:29:46.480 --> 0:29:48.640
<v Speaker 2>up all the time, and now they've slowed down. So

0:29:48.760 --> 0:29:51.000
<v Speaker 2>CD rates have slowed down too. But if you're if

0:29:51.040 --> 0:29:54.880
<v Speaker 2>you're torn between savings versus CDs, just ask yourself, well

0:29:54.920 --> 0:29:57.400
<v Speaker 2>you need the money, you know, before that CD rate

0:29:57.560 --> 0:29:59.960
<v Speaker 2>is up. Do you really really not need the money

0:30:00.680 --> 0:30:02.880
<v Speaker 2>before you tie it up in a CD and then

0:30:03.040 --> 0:30:06.240
<v Speaker 2>compare rates you know, sites like yes, Magnify Money, but

0:30:06.320 --> 0:30:08.720
<v Speaker 2>there's other sites too. You can easily compare rates online

0:30:08.760 --> 0:30:11.680
<v Speaker 2>now to be sure you getting the best deal out there.

0:30:13.200 --> 0:30:17.600
<v Speaker 2>Thanks for your question, Dizzodig, and let's go to an

0:30:17.640 --> 0:30:20.680
<v Speaker 2>email question from listener Aria. I hope I said that right.

0:30:21.720 --> 0:30:25.040
<v Speaker 2>Credit card question. Aria says, I'm twenty five years old,

0:30:25.160 --> 0:30:27.280
<v Speaker 2>young professional with a credit score a little over seven

0:30:27.360 --> 0:30:29.840
<v Speaker 2>hundred can grass girl? I think my credit score is

0:30:29.840 --> 0:30:32.760
<v Speaker 2>over seven hundred and twenty five. I have student debt

0:30:32.800 --> 0:30:35.360
<v Speaker 2>in a car loan. I'm working to get refinanced, but

0:30:35.400 --> 0:30:38.440
<v Speaker 2>I'm looking into applying for my first credit card, and

0:30:38.520 --> 0:30:40.560
<v Speaker 2>I'm at a loss. My mom's telling me to go

0:30:40.640 --> 0:30:43.800
<v Speaker 2>through Wells Fargo. Of course she is, and other friends,

0:30:44.720 --> 0:30:47.400
<v Speaker 2>all of your friends are telling me Capital One or Discover.

0:30:48.240 --> 0:30:50.800
<v Speaker 2>I foresee myself traveling often in the future, so I

0:30:50.840 --> 0:30:53.760
<v Speaker 2>would potentially like a card where I can get points, rewards,

0:30:53.840 --> 0:30:57.000
<v Speaker 2>or miles. I currently have a best Buy credit card.

0:30:57.040 --> 0:30:59.719
<v Speaker 2>So this isn't your first credit card then, yeah, but uh,

0:31:00.200 --> 0:31:02.280
<v Speaker 2>I currently have a best Buy credit card and a

0:31:02.400 --> 0:31:05.000
<v Speaker 2>Care credit card for health care expenses. I don't use

0:31:05.080 --> 0:31:06.800
<v Speaker 2>them often, but when I do, I pay them off

0:31:06.840 --> 0:31:10.720
<v Speaker 2>within the month. Proven to myself, I'm financially responsible, so

0:31:11.000 --> 0:31:13.160
<v Speaker 2>I trust myself with the card now. So she's looking

0:31:13.240 --> 0:31:17.280
<v Speaker 2>for her next credit card, not her very first credit card. Well,

0:31:17.320 --> 0:31:19.720
<v Speaker 2>it's great that you've, you know, gotten those other two

0:31:19.760 --> 0:31:23.760
<v Speaker 2>credit cards improved. You can be responsible, yes with those, Yeah,

0:31:24.360 --> 0:31:26.600
<v Speaker 2>that's the key. And I don't think I'm thinking the

0:31:26.640 --> 0:31:28.720
<v Speaker 2>best Buy credit card doesn't have I think my husband

0:31:28.760 --> 0:31:31.360
<v Speaker 2>has one. They doesn't have an annual fee, and Care we.

0:31:31.400 --> 0:31:33.640
<v Speaker 1>Have we have one too, of Best Buy credit card.

0:31:34.000 --> 0:31:35.960
<v Speaker 1>Superman has one. I don't think there's annual fee.

0:31:36.160 --> 0:31:37.920
<v Speaker 2>Yeah, that care credit card you got to be careful

0:31:37.960 --> 0:31:41.000
<v Speaker 2>with because they're the ones that tell you will give

0:31:41.080 --> 0:31:44.479
<v Speaker 2>you six percent zero percent interest financing to get your

0:31:44.600 --> 0:31:46.840
<v Speaker 2>you know, invisi line or to take your you know,

0:31:47.080 --> 0:31:50.640
<v Speaker 2>take your dog for surgery or whatever. And then if

0:31:50.680 --> 0:31:54.440
<v Speaker 2>you don't pay off the debt before that interest period,

0:31:54.560 --> 0:31:58.640
<v Speaker 2>that intro promotional period's over, they slap you with deferred

0:31:58.680 --> 0:32:01.520
<v Speaker 2>interests usually, which is like pretend as if you were

0:32:01.560 --> 0:32:04.040
<v Speaker 2>paying interest all along, but they just waited until then

0:32:04.080 --> 0:32:05.120
<v Speaker 2>to slap it onto your bill.

0:32:05.280 --> 0:32:08.360
<v Speaker 1>Yeah, and it sucks. So that's good to be mindful,

0:32:08.520 --> 0:32:10.200
<v Speaker 1>I would say, honestly, of course you like you like

0:32:10.240 --> 0:32:12.560
<v Speaker 1>Mandy said. Of course your mom said, wells Parker, because

0:32:12.560 --> 0:32:17.000
<v Speaker 1>you know, like they like try true. Yes, I made

0:32:17.040 --> 0:32:20.960
<v Speaker 1>a physical bag. You don't, honestly, like Mandy and I

0:32:21.040 --> 0:32:21.480
<v Speaker 1>both have that.

0:32:21.600 --> 0:32:21.920
<v Speaker 2>What is it?

0:32:22.040 --> 0:32:23.760
<v Speaker 1>I always call it go ahead girl.

0:32:23.920 --> 0:32:24.960
<v Speaker 2>Chase good Time cards.

0:32:27.200 --> 0:32:29.680
<v Speaker 1>I never get the name of it right, But it's

0:32:29.720 --> 0:32:32.200
<v Speaker 1>really the Sapphire Reserve, right, is that what it's called?

0:32:33.000 --> 0:32:35.600
<v Speaker 2>Yeah, the Chase Sapphire Reserve. So if you but the

0:32:35.640 --> 0:32:37.080
<v Speaker 2>thing about this card, I don't know if I would

0:32:37.120 --> 0:32:39.480
<v Speaker 2>recommend that card for her, and remember we're not you know,

0:32:39.640 --> 0:32:41.720
<v Speaker 2>let's take your advice with the grain of salt.

0:32:42.040 --> 0:32:44.640
<v Speaker 1>Yeah, I forgot the monthly the annual fee, Yeah, I

0:32:44.640 --> 0:32:45.120
<v Speaker 1>wouldn't do.

0:32:45.160 --> 0:32:47.720
<v Speaker 2>That because these cards are sexy, the Chase Reserve and

0:32:47.800 --> 0:32:50.640
<v Speaker 2>other you know, lucrative travel rewards cards because they give

0:32:50.680 --> 0:32:54.080
<v Speaker 2>you that three points per dollars spent on things like

0:32:54.200 --> 0:32:56.000
<v Speaker 2>travel and eating out. And then they give you that

0:32:56.120 --> 0:32:58.920
<v Speaker 2>three hundred dollars travel credit per year where they reimburse

0:32:58.960 --> 0:33:01.800
<v Speaker 2>you for everything from Uber to train fair to air fare,

0:33:02.720 --> 0:33:04.880
<v Speaker 2>and they give you these perks, but they charge what

0:33:05.040 --> 0:33:07.360
<v Speaker 2>is the annual fee, four hundred and fifty dollars.

0:33:07.640 --> 0:33:09.800
<v Speaker 1>But for me it's worth it. But it's just like

0:33:10.400 --> 0:33:11.880
<v Speaker 1>Berth there for you listening.

0:33:11.720 --> 0:33:14.239
<v Speaker 2>Especially twenty five years old, like, you know, you may

0:33:14.280 --> 0:33:18.360
<v Speaker 2>not want to go that just get to that extreme

0:33:18.480 --> 0:33:22.000
<v Speaker 2>quite yet. I love a simple you know, you know,

0:33:22.120 --> 0:33:24.400
<v Speaker 2>you say they're traveling often in the future, but think

0:33:24.440 --> 0:33:27.560
<v Speaker 2>about your day to day spending habits today and I

0:33:27.600 --> 0:33:30.800
<v Speaker 2>would say, a nice flat rate cash back credit card

0:33:30.880 --> 0:33:32.600
<v Speaker 2>that's going to give you a flat rate on all

0:33:32.640 --> 0:33:35.600
<v Speaker 2>your purchases. Like I've been a fan of the City

0:33:35.640 --> 0:33:38.560
<v Speaker 2>Double Cash card myself, because you get one percent when

0:33:38.640 --> 0:33:41.320
<v Speaker 2>you make your purchase and then you get another percent

0:33:41.360 --> 0:33:43.720
<v Speaker 2>when you pay off the card each month, so really

0:33:43.760 --> 0:33:47.480
<v Speaker 2>it's a two percent cash back, flat rate card. I

0:33:47.560 --> 0:33:49.520
<v Speaker 2>think that's a solid card to have in your wallet

0:33:49.600 --> 0:33:52.760
<v Speaker 2>for every day spending. If you want the travel reward

0:33:52.920 --> 0:33:55.480
<v Speaker 2>card without the high annual fee, you could take a

0:33:55.560 --> 0:34:00.160
<v Speaker 2>look at Uber. Uber has a travel card out now.

0:34:00.200 --> 0:34:01.760
<v Speaker 2>I think it doesn't have an annual feed and it

0:34:01.800 --> 0:34:07.520
<v Speaker 2>gives you four X points on spending like travel and dining,

0:34:07.680 --> 0:34:11.000
<v Speaker 2>and it has some kind of perks for Uber rides itself,

0:34:11.080 --> 0:34:16.160
<v Speaker 2>I think. And then what was I thinking of? Oh,

0:34:16.280 --> 0:34:19.279
<v Speaker 2>the step down from the Chase Reserve is the Chase

0:34:19.280 --> 0:34:22.680
<v Speaker 2>Sapphire Preferred, which I think is ninety five dollars. And again,

0:34:22.800 --> 0:34:25.960
<v Speaker 2>like check these cards out yourself. I'm just rattling off

0:34:25.960 --> 0:34:27.719
<v Speaker 2>the top of my head, but make sure you know

0:34:27.800 --> 0:34:31.120
<v Speaker 2>the most recent terms on these cards. But Chase Fire

0:34:31.160 --> 0:34:34.480
<v Speaker 2>Preferred I think is two points on travel and then

0:34:34.520 --> 0:34:37.359
<v Speaker 2>it's ninety five dollars a year. So as long as

0:34:37.440 --> 0:34:40.279
<v Speaker 2>you think you'll travel enough to make at least that

0:34:40.440 --> 0:34:43.480
<v Speaker 2>much money and rewards are more ideally, then it can

0:34:43.560 --> 0:34:44.000
<v Speaker 2>be worth it.

0:34:45.520 --> 0:34:49.760
<v Speaker 1>Yeah, and you know, being mindful, like, take it slow, don't.

0:34:50.160 --> 0:34:52.080
<v Speaker 1>It's easy to get a credit card, I mean, because

0:34:52.120 --> 0:34:53.840
<v Speaker 1>you have your best By card and you have the

0:34:53.880 --> 0:34:57.200
<v Speaker 1>other your care card. But the thing is those you know,

0:34:57.360 --> 0:34:59.439
<v Speaker 1>are pretty limited, like you spend it at best Spot,

0:34:59.560 --> 0:35:02.239
<v Speaker 1>So having a card that you can use anywhere is

0:35:02.280 --> 0:35:06.440
<v Speaker 1>a different animal. So you know, just adhere to that

0:35:06.640 --> 0:35:09.200
<v Speaker 1>same rule of paying it off in full by the

0:35:09.320 --> 0:35:12.120
<v Speaker 1>month and you'll be you know, you'll be good to go.

0:35:12.200 --> 0:35:15.120
<v Speaker 1>It's it's easy to go crazy with your first card,

0:35:15.160 --> 0:35:17.000
<v Speaker 1>but you know, you've proven yourself to be responsible. You've

0:35:17.000 --> 0:35:20.759
<v Speaker 1>got a great credit score, you're young, and you've been

0:35:20.760 --> 0:35:23.200
<v Speaker 1>able to manage thus far. But just like I said,

0:35:23.280 --> 0:35:26.640
<v Speaker 1>just just be mindful because it's easy to you know,

0:35:26.760 --> 0:35:29.360
<v Speaker 1>one white because another swipe and before you know, you're like, yikes.

0:35:29.520 --> 0:35:31.319
<v Speaker 1>Don't be afraid to leave that card at home if

0:35:31.320 --> 0:35:33.160
<v Speaker 1>you feel tempted, and to take out your debit card

0:35:33.160 --> 0:35:33.479
<v Speaker 1>and bring.

0:35:33.400 --> 0:35:36.840
<v Speaker 2>It with you. Yeah, it's one hundred percent, and you know,

0:35:37.239 --> 0:35:40.080
<v Speaker 2>and do your research. And as far as like choosing

0:35:40.239 --> 0:35:42.560
<v Speaker 2>a credit card with a certain bank, it doesn't really matter.

0:35:42.800 --> 0:35:44.480
<v Speaker 2>You know, you should pick the card even if it's

0:35:44.480 --> 0:35:46.160
<v Speaker 2>at a bank you never heard of. Before pick the

0:35:46.239 --> 0:35:50.160
<v Speaker 2>card that has the best terms, the best rewards for

0:35:50.280 --> 0:35:52.520
<v Speaker 2>your lifestyle, and it's not going to charge you high

0:35:52.560 --> 0:35:55.920
<v Speaker 2>fees and has good customer support and you know all

0:35:56.080 --> 0:35:59.239
<v Speaker 2>that well as far Ago may have a good travel card.

0:35:59.320 --> 0:36:02.680
<v Speaker 2>But compare your options and I'll share a link to

0:36:02.800 --> 0:36:05.680
<v Speaker 2>a couple of a couple of roundups of the best

0:36:05.760 --> 0:36:10.399
<v Speaker 2>travel cards where you can get started. But think about

0:36:10.400 --> 0:36:12.759
<v Speaker 2>that nice flat rate cash back credit card that I'll

0:36:12.800 --> 0:36:14.399
<v Speaker 2>just serve you every day too, because I think that's

0:36:14.400 --> 0:36:17.640
<v Speaker 2>a nice entry level. And then you can test yourself

0:36:17.680 --> 0:36:19.680
<v Speaker 2>with the rewards card. Are you going to be spending

0:36:19.760 --> 0:36:22.000
<v Speaker 2>more just to earn that reward? You know, that's the

0:36:22.080 --> 0:36:24.960
<v Speaker 2>temptation of these travel cards is that they get you

0:36:25.040 --> 0:36:27.200
<v Speaker 2>to spend more so that you get those points. But

0:36:27.280 --> 0:36:29.279
<v Speaker 2>then can you really afford to pay it off each month?

0:36:29.640 --> 0:36:33.520
<v Speaker 2>And if you can't, then it's not worth it. But

0:36:33.640 --> 0:36:36.280
<v Speaker 2>good luck, and keep that seven hundred credit score that'll.

0:36:36.040 --> 0:36:38.640
<v Speaker 1>Serve you well, yes, more than anything else. That's more

0:36:38.640 --> 0:36:39.640
<v Speaker 1>important than that credit card.

0:36:40.640 --> 0:36:42.719
<v Speaker 2>All right, thank you for your question, Aria, and again

0:36:43.200 --> 0:36:46.839
<v Speaker 2>hit us up on Instagram at Brandonbision podcast on the Gram,

0:36:47.040 --> 0:36:50.040
<v Speaker 2>or by email Brandibision Podcasts at gmail dot.

0:36:49.960 --> 0:36:58.000
<v Speaker 1>Com dot com. Now it's time for booster break? Which

0:36:58.120 --> 0:37:02.440
<v Speaker 1>one will you give? Or Okay, you.

0:37:02.480 --> 0:37:03.640
<v Speaker 2>Gotta remember these jingles?

0:37:03.920 --> 0:37:07.080
<v Speaker 1>I don't ever like I just forgot it already, you already.

0:37:06.760 --> 0:37:08.400
<v Speaker 2>Now, I'm like, hey, hey, hey, stuck.

0:37:09.320 --> 0:37:11.319
<v Speaker 1>Yeah, all yeah, that was stuck With all the rest

0:37:11.320 --> 0:37:13.120
<v Speaker 1>of them. I'm like, because we actually had some really

0:37:13.160 --> 0:37:14.800
<v Speaker 1>good I feel like we what we should do a

0:37:14.880 --> 0:37:17.160
<v Speaker 1>compilation all those jingles because I was like, that was

0:37:17.200 --> 0:37:19.080
<v Speaker 1>a good Remember I had one where like I rhymed

0:37:19.120 --> 0:37:21.920
<v Speaker 1>for like almost a minute straight. I said, look at you, Tiffany,

0:37:22.080 --> 0:37:24.560
<v Speaker 1>you could have been a rapping No, I don't remember that.

0:37:27.160 --> 0:37:29.680
<v Speaker 2>Seven to seven episodes, I know.

0:37:29.800 --> 0:37:32.200
<v Speaker 1>I'm just soul like for you guys rideing with us.

0:37:32.920 --> 0:37:34.960
<v Speaker 1>So are you gonna have boosted? Are you gonna have

0:37:35.040 --> 0:37:35.440
<v Speaker 1>break it?

0:37:35.960 --> 0:37:38.560
<v Speaker 2>I'm gonna do a break because I have been to

0:37:38.640 --> 0:37:40.520
<v Speaker 2>a couple of these meetings in the past couple of

0:37:40.640 --> 0:37:43.000
<v Speaker 2>weeks and it drives me nuts as someone who doesn't

0:37:43.000 --> 0:37:45.120
<v Speaker 2>want to waste people's time, and whenever I asked someone

0:37:45.160 --> 0:37:47.080
<v Speaker 2>to do a meeting with me, I feel like I

0:37:47.200 --> 0:37:49.360
<v Speaker 2>must come with an agenda. So I just hit the

0:37:49.480 --> 0:37:52.160
<v Speaker 2>highlights and if I love ending meetings early so I

0:37:52.200 --> 0:37:53.880
<v Speaker 2>can say I'm gonna give you fifteen minutes of your

0:37:53.920 --> 0:37:57.000
<v Speaker 2>life back. It's my favorite. I love it. I was

0:37:57.040 --> 0:37:59.200
<v Speaker 2>at a meeting last week where it ended at the

0:37:59.239 --> 0:38:01.600
<v Speaker 2>forty minute mark. It was supposed to go an hour,

0:38:02.040 --> 0:38:04.640
<v Speaker 2>and the person hosting the meeting just continued to he

0:38:04.800 --> 0:38:07.200
<v Speaker 2>was like, oh, we've got twenty minutes left. How do

0:38:07.280 --> 0:38:09.239
<v Speaker 2>you feel about da da da da da? And you

0:38:09.320 --> 0:38:11.680
<v Speaker 2>know that price the tea in China and what's happening

0:38:11.719 --> 0:38:13.560
<v Speaker 2>in the Dominican you know, just like all and I

0:38:13.680 --> 0:38:15.960
<v Speaker 2>was like, you've got to give people their time back?

0:38:16.120 --> 0:38:16.279
<v Speaker 3>Why?

0:38:16.800 --> 0:38:18.880
<v Speaker 2>So that's actually not my break. My break is a

0:38:19.000 --> 0:38:23.000
<v Speaker 2>meeting with no agenda. So and especially if you're in

0:38:23.080 --> 0:38:27.120
<v Speaker 2>an environment where time is precious and you know a

0:38:27.160 --> 0:38:29.560
<v Speaker 2>lot of people are involved, Like I just love just

0:38:29.640 --> 0:38:31.960
<v Speaker 2>three bullet points, you know, not even like a PowerPoint,

0:38:32.160 --> 0:38:34.800
<v Speaker 2>just like what is this meeting going to achieve? What

0:38:34.960 --> 0:38:37.320
<v Speaker 2>is the goal of the meeting? And then like telling

0:38:37.400 --> 0:38:40.120
<v Speaker 2>people before you start the meeting, like in advance, what

0:38:40.320 --> 0:38:42.279
<v Speaker 2>the like the three things you want from them at

0:38:42.320 --> 0:38:46.040
<v Speaker 2>that meeting. Like setting expectations is so important and for me,

0:38:46.160 --> 0:38:49.600
<v Speaker 2>it's all about like like I want meetings to end

0:38:49.640 --> 0:38:52.040
<v Speaker 2>and people feel like, oh, okay, we move the needle

0:38:53.000 --> 0:38:56.040
<v Speaker 2>to achieve something, or we know what the next steps are,

0:38:56.480 --> 0:38:58.680
<v Speaker 2>and it just drives me a little Craik kray when

0:38:58.760 --> 0:39:02.600
<v Speaker 2>meetings were like, clearly the person hasn't prepared, they don't

0:39:02.640 --> 0:39:05.360
<v Speaker 2>really know what they're you know, they call people together

0:39:05.360 --> 0:39:07.680
<v Speaker 2>and the I'm not sure why and we're just gonna

0:39:07.719 --> 0:39:10.440
<v Speaker 2>ramble and talk, you know, for half an hour and

0:39:10.680 --> 0:39:13.520
<v Speaker 2>didn't do nothing, and it's just like, you know, thank

0:39:13.560 --> 0:39:15.759
<v Speaker 2>you for not valuing my time. It's what it feels like.

0:39:16.400 --> 0:39:18.160
<v Speaker 1>One in my head out because we have a monthly

0:39:18.280 --> 0:39:21.600
<v Speaker 1>team meeting like once a month obviously like a full

0:39:21.760 --> 0:39:25.080
<v Speaker 1>team meeting, and I had the wrong agenda, so I'm

0:39:25.120 --> 0:39:27.239
<v Speaker 1>like going on, you know, like whatever, and then I'm

0:39:27.280 --> 0:39:28.719
<v Speaker 1>like calling, I'm like, oh, yeah, at least I see

0:39:28.719 --> 0:39:31.040
<v Speaker 1>you're on here, so what's going on with It took

0:39:31.160 --> 0:39:33.440
<v Speaker 1>to like the third person, so I called on our

0:39:34.000 --> 0:39:37.640
<v Speaker 1>intern cares and said to kios Kiars was like, I'm

0:39:37.640 --> 0:39:39.800
<v Speaker 1>not even gonna lie, I'm not even ready, like I

0:39:39.800 --> 0:39:41.320
<v Speaker 1>don't and someone was like, I think you're on the

0:39:41.360 --> 0:39:44.560
<v Speaker 1>wrong agenda. I'm like, why did y'all let me get

0:39:45.000 --> 0:39:45.799
<v Speaker 1>right through the meeting?

0:39:47.200 --> 0:39:47.399
<v Speaker 3>Yes?

0:39:47.560 --> 0:39:50.400
<v Speaker 1>I was like, come on now, and I was like, meanwhile,

0:39:50.520 --> 0:39:52.959
<v Speaker 1>y'all so ya, I mean, she stepped up, was like, okay,

0:39:53.120 --> 0:39:56.799
<v Speaker 1>well the uptick for our financial freedom plan, I mean,

0:39:57.040 --> 0:39:59.240
<v Speaker 1>and I was like, she was like, I'm not gonna lie, Tiffany.

0:39:59.280 --> 0:40:02.480
<v Speaker 1>I was like wait and mom being gend So everyone

0:40:02.600 --> 0:40:04.600
<v Speaker 1>just stepped it up and pulled whatever it is they

0:40:04.640 --> 0:40:06.719
<v Speaker 1>had to pull out of their behind to be like, look,

0:40:07.400 --> 0:40:09.440
<v Speaker 1>I don't I'm not prepared. But I just thought it

0:40:09.520 --> 0:40:11.640
<v Speaker 1>was hilarious that it took cares the intern to be like,

0:40:12.840 --> 0:40:14.560
<v Speaker 1>I'm not sure why my name is on there. I

0:40:14.640 --> 0:40:18.840
<v Speaker 1>did not request it. It was so cute, and I

0:40:18.960 --> 0:40:22.160
<v Speaker 1>was like, so yeah, So, I mean, we try not

0:40:22.239 --> 0:40:23.719
<v Speaker 1>to waste people's time. We try to keep our meetings

0:40:23.800 --> 0:40:25.880
<v Speaker 1>under an hour. But yeah, no, I totally get that.

0:40:26.040 --> 0:40:29.480
<v Speaker 1>Or just sometimes like even when folks hit me up

0:40:29.520 --> 0:40:32.640
<v Speaker 1>on like social and it's high and you're like, okay,

0:40:32.960 --> 0:40:34.560
<v Speaker 1>I know they have a question, and I don't mind

0:40:35.000 --> 0:40:37.080
<v Speaker 1>ask a question, but you don't have to butter me

0:40:37.160 --> 0:40:39.520
<v Speaker 1>up and wait for me to say hi back. Just hey, Tiffany,

0:40:39.600 --> 0:40:40.920
<v Speaker 1>you know, thanks so much for blah blah blah. I

0:40:40.920 --> 0:40:42.200
<v Speaker 1>have a question, like you can put it all in

0:40:42.239 --> 0:40:45.279
<v Speaker 1>one sentence, because that whole that initial high or that

0:40:45.400 --> 0:40:48.520
<v Speaker 1>initial hey, what's up. It's like, I know you have

0:40:48.520 --> 0:40:50.280
<v Speaker 1>a credit question. I know you got a budget questions.

0:40:50.320 --> 0:40:52.680
<v Speaker 1>It's okay, literally see a bunch of these, stay account.

0:40:52.880 --> 0:40:54.359
<v Speaker 1>I don't want if you get to it, even when

0:40:54.360 --> 0:40:56.480
<v Speaker 1>you see me in person, like I don't honestly, I

0:40:56.920 --> 0:40:59.759
<v Speaker 1>honestly don't mind unless I'm like rushing off and I'm

0:40:59.800 --> 0:41:02.719
<v Speaker 1>racing off somewhere you could tell that I'm you know, busy,

0:41:02.840 --> 0:41:05.399
<v Speaker 1>or if I'm on the phone, you know, and even

0:41:05.440 --> 0:41:07.640
<v Speaker 1>then typically I'm you know, I might be if I'm

0:41:07.640 --> 0:41:09.160
<v Speaker 1>at like a whole food, I'm probably talking to like

0:41:09.200 --> 0:41:11.440
<v Speaker 1>my sister or my mom or something. I don't mind helping.

0:41:11.560 --> 0:41:14.200
<v Speaker 1>But yeah, for me, I just like people just to

0:41:14.280 --> 0:41:16.200
<v Speaker 1>get to the point because we're dragging it out and

0:41:16.239 --> 0:41:18.480
<v Speaker 1>you're gonna ask the question anyway, so let's get to it.

0:41:19.000 --> 0:41:20.560
<v Speaker 2>If I could just wear a T shirt that had

0:41:20.600 --> 0:41:22.600
<v Speaker 2>one slogan, it would be to get to the point

0:41:23.400 --> 0:41:25.399
<v Speaker 2>or tell me what you really want to say.

0:41:26.080 --> 0:41:26.239
<v Speaker 1>Oh.

0:41:26.320 --> 0:41:29.359
<v Speaker 2>I hate when people just like passive aggressive don't teay

0:41:29.360 --> 0:41:31.120
<v Speaker 2>what they want to say. Oh, that's more breaks. I'm

0:41:31.239 --> 0:41:32.400
<v Speaker 2>just breaking all the place.

0:41:32.400 --> 0:41:34.319
<v Speaker 1>Well, I'm like the Queen of passive aggressive. But it's okay,

0:41:34.320 --> 0:41:37.520
<v Speaker 1>we're gonna We're gonna deal with that. So I am

0:41:37.640 --> 0:41:41.160
<v Speaker 1>going to boost because I'm super excited. In the mail

0:41:41.200 --> 0:41:46.200
<v Speaker 1>today I receive the paper it said DreamCatcher trademarked. I know.

0:41:46.280 --> 0:41:52.080
<v Speaker 1>I'm like, meanwhile, wait what I know? I can finally

0:41:52.120 --> 0:41:53.640
<v Speaker 1>speak on it now because I was so scared that

0:41:53.719 --> 0:41:54.960
<v Speaker 1>someone was gonna trade it.

0:41:56.719 --> 0:41:57.239
<v Speaker 2>Has been.

0:41:58.120 --> 0:42:01.520
<v Speaker 1>Honestly, it's been like at least six or seven I.

0:42:01.560 --> 0:42:04.439
<v Speaker 2>Think I'm cucy it wasn't already trademarked by some money.

0:42:04.840 --> 0:42:07.440
<v Speaker 1>Yeah, well, well DreamCatcher at the way I'm using it,

0:42:07.520 --> 0:42:10.400
<v Speaker 1>So DreamCatcher. It's like I think it said something like

0:42:10.719 --> 0:42:12.960
<v Speaker 1>what does it say to be used as like a

0:42:13.440 --> 0:42:16.759
<v Speaker 1>like a a social club to support women in their

0:42:16.800 --> 0:42:18.920
<v Speaker 1>financial goals or something like that. So I mean, obviously

0:42:18.960 --> 0:42:21.560
<v Speaker 1>I don't like, you can use DreamCatcher ten thousand ways,

0:42:21.880 --> 0:42:23.600
<v Speaker 1>just not in this way, like the way I'm using it.

0:42:23.880 --> 0:42:26.239
<v Speaker 1>So like another financial person couldn't say my group is

0:42:26.239 --> 0:42:30.160
<v Speaker 1>called Dreamcatchers. You know, so because when you trademark, like

0:42:30.400 --> 0:42:33.360
<v Speaker 1>for example, I saw a four Seasons, like we know

0:42:33.440 --> 0:42:36.120
<v Speaker 1>four Seasons is like the fancy hotel but I saw

0:42:36.120 --> 0:42:38.799
<v Speaker 1>a four seasons garden shop, so clearly, like the four

0:42:38.840 --> 0:42:41.840
<v Speaker 1>seasons hotel does not own, there's four seasons for the

0:42:41.920 --> 0:42:45.040
<v Speaker 1>garden shop. So so yeah, but I'm just excited because

0:42:45.040 --> 0:42:49.040
<v Speaker 1>I was just like, yeah, I you know, I was

0:42:49.080 --> 0:42:51.239
<v Speaker 1>sleeping and sleeping on it, and it takes about a year.

0:42:51.880 --> 0:42:53.840
<v Speaker 1>But by the time you like apply, but by the

0:42:53.880 --> 0:42:55.719
<v Speaker 1>time they you know, they go through all the rigamar roles.

0:42:55.760 --> 0:42:58.279
<v Speaker 1>So I just want to shout out Tony Moore of

0:42:58.520 --> 0:43:02.120
<v Speaker 1>Legally Chic. She's so awesome honestly, like I said, I mean,

0:43:02.160 --> 0:43:04.000
<v Speaker 1>I have two lawyers, but Tony does like my day

0:43:04.000 --> 0:43:05.600
<v Speaker 1>to day stuff. So she's the one who kind of

0:43:05.680 --> 0:43:08.240
<v Speaker 1>like not kind of, but she does all my trademarks

0:43:08.280 --> 0:43:11.120
<v Speaker 1>and stuff. Now, she's really great. She's she's fast, she's swift,

0:43:11.200 --> 0:43:13.920
<v Speaker 1>he's sharp as hell. And yeah, so we've got a

0:43:13.920 --> 0:43:16.080
<v Speaker 1>couple of other trademarks coming down the pipeline, like she

0:43:16.280 --> 0:43:17.719
<v Speaker 1>was the one. Like. What I love about Tony too

0:43:17.800 --> 0:43:20.120
<v Speaker 1>is that she'll like check up and be like, uh,

0:43:20.200 --> 0:43:22.680
<v Speaker 1>I remember when my trademark for the budgeties to expire.

0:43:22.719 --> 0:43:26.120
<v Speaker 1>Can you imagine? Oh god, I know, I mean luckily

0:43:26.160 --> 0:43:26.360
<v Speaker 1>I have.

0:43:26.360 --> 0:43:28.920
<v Speaker 2>It obviously, but because their brand ambition, trademark expired. When

0:43:28.920 --> 0:43:29.479
<v Speaker 2>does that happen?

0:43:29.880 --> 0:43:31.560
<v Speaker 1>So I think the way it's I think it's like

0:43:31.640 --> 0:43:34.520
<v Speaker 1>the first because trademark supposed to last for ten years,

0:43:34.560 --> 0:43:37.400
<v Speaker 1>but I think it's like it's five years then like

0:43:37.520 --> 0:43:39.440
<v Speaker 1>seven and ten. I don't know, like it'll they'll send

0:43:39.440 --> 0:43:40.799
<v Speaker 1>an email though, but you just.

0:43:40.880 --> 0:43:42.719
<v Speaker 2>Tell Tony's our lawyer, tell her to.

0:43:42.840 --> 0:43:46.640
<v Speaker 1>Check you're right. I forgot that she did our and

0:43:46.760 --> 0:43:49.000
<v Speaker 1>she did our like our our stuff too, but yeah,

0:43:49.080 --> 0:43:51.160
<v Speaker 1>Tony's awesome. But yeah, I was like, so she just

0:43:51.200 --> 0:43:52.279
<v Speaker 1>sent me the thing in the mail. I was like

0:43:52.320 --> 0:43:55.640
<v Speaker 1>woo yay. Yeah. I definitely was on pins and needles

0:43:55.680 --> 0:43:56.239
<v Speaker 1>for that one cause I.

0:43:56.239 --> 0:44:00.640
<v Speaker 2>Was like, yikes, it's official on T shirts.

0:44:00.680 --> 0:44:03.719
<v Speaker 1>Now I know exactly, so that's another trade. But it's

0:44:03.760 --> 0:44:05.800
<v Speaker 1>that crazy in order to put that on T shirts.

0:44:05.800 --> 0:44:07.000
<v Speaker 1>I think that's another trademark.

0:44:07.200 --> 0:44:11.640
<v Speaker 2>Yeah, it's true. It is just give the government more moneies, ah.

0:44:11.600 --> 0:44:13.560
<v Speaker 1>More money, it is. But I'm like whatever, But as

0:44:13.640 --> 0:44:15.360
<v Speaker 1>long as like I own that as it relates to

0:44:15.480 --> 0:44:18.080
<v Speaker 1>like financial groups, I'm good to go.

0:44:18.280 --> 0:44:19.960
<v Speaker 2>I love having that little letter with a little gold

0:44:20.000 --> 0:44:21.840
<v Speaker 2>steel on it. Yeah, it's special.

0:44:22.440 --> 0:44:23.560
<v Speaker 1>I got like, you know, it was like some one

0:44:23.560 --> 0:44:25.080
<v Speaker 1>of those big envelopes in the nail and I'm like

0:44:25.160 --> 0:44:27.480
<v Speaker 1>opening it, like what is this? And I was like,

0:44:29.880 --> 0:44:31.279
<v Speaker 1>so I was excited. I was I had to share

0:44:31.280 --> 0:44:32.719
<v Speaker 1>with the dream Catchers. I'm like, should I share it?

0:44:32.719 --> 0:44:34.440
<v Speaker 1>I think I'd be like, girl, we haven't been official.

0:44:34.480 --> 0:44:35.959
<v Speaker 1>I'm like, whatever, we're official now.

0:44:37.160 --> 0:44:38.560
<v Speaker 2>But you don't know, can't hurry.

0:44:38.320 --> 0:44:39.760
<v Speaker 1>You exactly exactly.

0:44:41.200 --> 0:44:48.880
<v Speaker 2>That's exciting. Book deals, popping, trademarks, popping. Your book should

0:44:48.880 --> 0:44:49.879
<v Speaker 2>be called Tiffany.

0:44:49.600 --> 0:44:54.000
<v Speaker 1>Ink about how I start of? No, I don't think.

0:44:54.040 --> 0:44:56.320
<v Speaker 1>I feel like I want to wait until I wouldn't

0:44:56.360 --> 0:44:58.120
<v Speaker 1>write a business book, not that you can't, but I

0:44:58.800 --> 0:45:01.360
<v Speaker 1>want to wait until I have an eight figure a

0:45:01.480 --> 0:45:04.200
<v Speaker 1>year business. Then I feel like, okay, I've gotten not that,

0:45:04.400 --> 0:45:06.440
<v Speaker 1>like you know, like a you can't have a five

0:45:06.480 --> 0:45:08.560
<v Speaker 1>figure year business and write a business book. But I

0:45:08.640 --> 0:45:10.920
<v Speaker 1>feel like then, because I really want, I want to

0:45:10.920 --> 0:45:14.040
<v Speaker 1>write a business book called do good like you know,

0:45:16.000 --> 0:45:18.719
<v Speaker 1>help good people, do good work, make good money, Like

0:45:18.800 --> 0:45:20.480
<v Speaker 1>how do you do that? That's like, honestly, that's like

0:45:20.520 --> 0:45:21.759
<v Speaker 1>a book that I have in me that I'm not

0:45:21.800 --> 0:45:22.399
<v Speaker 1>writing any time.

0:45:22.440 --> 0:45:25.840
<v Speaker 2>So that's the book do that? You're like, why do

0:45:25.880 --> 0:45:28.800
<v Speaker 2>you need eight figures. Why these arbitrary numbers? I don't know,

0:45:28.880 --> 0:45:30.319
<v Speaker 2>you know, how you have like a like a thing

0:45:30.600 --> 0:45:33.200
<v Speaker 2>seventy ten years ago? Can you imagine eight figures? She's

0:45:33.200 --> 0:45:35.000
<v Speaker 2>probably can I get four figures?

0:45:35.360 --> 0:45:37.839
<v Speaker 1>What exactly? Because I legitimately, I think my first year

0:45:37.840 --> 0:45:39.520
<v Speaker 1>of business made like two thousand dollars. I was like, oh,

0:45:39.640 --> 0:45:42.960
<v Speaker 1>clearly I was living off unemployment. But yeah, no, but

0:45:43.040 --> 0:45:44.800
<v Speaker 1>I do want to write like a business book about that,

0:45:44.920 --> 0:45:46.480
<v Speaker 1>Like how do you do that? How do you run

0:45:46.520 --> 0:45:49.440
<v Speaker 1>a business without you know, being like some terrible person

0:45:50.000 --> 0:45:52.120
<v Speaker 1>and like, you know, and helping good people and giving

0:45:52.120 --> 0:45:53.880
<v Speaker 1>a lot away for free? Like what does that look like?

0:45:54.360 --> 0:45:57.000
<v Speaker 1>To run a profitable business that kind of feels like

0:45:57.040 --> 0:46:00.920
<v Speaker 1>a nonprofit but it's profitable, you know. So yeah, I

0:46:01.000 --> 0:46:02.640
<v Speaker 1>mean I'm still you know, I'm still learning. That's why

0:46:02.640 --> 0:46:04.200
<v Speaker 1>I kind of feel like maybe that's why I said

0:46:04.239 --> 0:46:05.880
<v Speaker 1>eight figures, because I feel like then i'd be like,

0:46:05.960 --> 0:46:08.040
<v Speaker 1>not that I wouldn't be learning anymore, but then I

0:46:08.080 --> 0:46:11.239
<v Speaker 1>would feel like, Okay, because we're multi seven figures now,

0:46:11.280 --> 0:46:13.000
<v Speaker 1>and I really think we'll hit eight figures by next year.

0:46:13.040 --> 0:46:15.920
<v Speaker 1>That's what we're our trajectory is looking like. But I

0:46:15.960 --> 0:46:18.560
<v Speaker 1>feel like that's like a figure that people really take seriously, Like,

0:46:18.880 --> 0:46:21.000
<v Speaker 1>you know, my business makes ten to twenty million dollars

0:46:21.040 --> 0:46:23.399
<v Speaker 1>a year because you know, like everybody you know, when

0:46:23.400 --> 0:46:25.160
<v Speaker 1>I tell them about doing good work, it sounds so

0:46:25.280 --> 0:46:27.520
<v Speaker 1>cool bay yah, But then you're like, oh, well my

0:46:27.600 --> 0:46:29.600
<v Speaker 1>business makes twenty I don't make twenty million dollars a

0:46:29.680 --> 0:46:32.040
<v Speaker 1>year now. But to say like, yeah, it's not just

0:46:32.160 --> 0:46:34.799
<v Speaker 1>coom baya, it works. You can you know, you can

0:46:34.880 --> 0:46:36.640
<v Speaker 1>help people, you can give a lot away for free,

0:46:36.680 --> 0:46:39.840
<v Speaker 1>you cannot overcharge. You can do those things and have

0:46:39.960 --> 0:46:42.000
<v Speaker 1>an eight figure of year business Like that's what. For

0:46:42.080 --> 0:46:43.840
<v Speaker 1>some reason, I just feel like that's like a serious

0:46:43.960 --> 0:46:47.600
<v Speaker 1>business number that folks who might otherwise poo poo at

0:46:47.719 --> 0:46:50.600
<v Speaker 1>like you know, helping people and being good to people,

0:46:50.840 --> 0:46:52.680
<v Speaker 1>would be like, well, you know, I mean, she's got

0:46:52.719 --> 0:46:55.000
<v Speaker 1>a viable business. It's not a small you know, like

0:46:55.040 --> 0:46:56.920
<v Speaker 1>I don't what is it a small do you know,

0:46:57.080 --> 0:46:59.560
<v Speaker 1>like what a small business equal? Like when you're your

0:46:59.600 --> 0:47:01.719
<v Speaker 1>annual income. I wonder what like the threshold is for

0:47:01.760 --> 0:47:03.480
<v Speaker 1>a small business might have more to.

0:47:03.560 --> 0:47:05.879
<v Speaker 2>Do with the number of employees I have. I don't

0:47:05.920 --> 0:47:06.239
<v Speaker 2>really know.

0:47:06.640 --> 0:47:09.360
<v Speaker 1>Well that's true. I think you're writing I.

0:47:09.360 --> 0:47:11.000
<v Speaker 2>Don't know, though, tiff I feel like you start writing

0:47:11.080 --> 0:47:12.440
<v Speaker 2>it now. By the time you get this tenth to

0:47:12.520 --> 0:47:18.160
<v Speaker 2>eight figures, you'll be ready to publish. Perfect timing you. Yeah,

0:47:18.800 --> 0:47:21.880
<v Speaker 2>that's that's the book. I feel like we need general

0:47:22.000 --> 0:47:24.160
<v Speaker 2>personal finance advice. There's plenty of those. You know, what

0:47:24.280 --> 0:47:25.960
<v Speaker 2>can you bring that no one else can bring? And

0:47:26.040 --> 0:47:27.920
<v Speaker 2>you know better than anyone how to start that business

0:47:28.239 --> 0:47:31.920
<v Speaker 2>that does good and makes good money. Yeah, that's the Tiffany.

0:47:32.680 --> 0:47:34.000
<v Speaker 2>That's the Tiffany Magic.

0:47:35.520 --> 0:47:35.680
<v Speaker 1>Ink.

0:47:36.480 --> 0:47:36.640
<v Speaker 2>Yep.

0:47:38.160 --> 0:47:45.160
<v Speaker 1>Okay, well, now it's time to say goodbye to you.

0:47:47.280 --> 0:47:54.360
<v Speaker 1>Searched for it. You know me so well? Like I

0:47:54.800 --> 0:47:56.360
<v Speaker 1>suppose a song we're gonna end with.

0:47:57.680 --> 0:47:59.440
<v Speaker 2>We're doing this podcast in our eighties. We'll be like,

0:47:59.480 --> 0:47:59.840
<v Speaker 2>here we go.

0:48:01.480 --> 0:48:03.920
<v Speaker 1>First, I'm gonna be like, no, it's wait, who are you?

0:48:04.400 --> 0:48:04.680
<v Speaker 1>Who a