Speaker 1: Okay, hey, hey we're back. We're black, we're brown. We
Speaker 1: got to start like a little ensemble.
Speaker 2: I thought we harmonized beautifully.
Speaker 1: Right, me me? Right, do we celebrate? Did we share
Speaker 1: that we cracked top two hundred? Did we celebrate that?
Speaker 2: I'm all over the socials.
Speaker 1: Yeah, but I mean podcast we didn't mention it. Right.
Speaker 2: We should say hi to are. We have a bunch
Speaker 2: of new listeners lately, So welcome if you're new to
Speaker 2: the show, and thank you for joining us, and thank
Speaker 2: you to everyone who's stuck by us. But yeah, we're
Speaker 2: for some reason magic four year mark. People are paying attention.
Speaker 2: But yeah, we cracked top two hundred of all podcasts,
Speaker 2: which there's like tens of thousands.
Speaker 1: It feels like, oh more, I google to see how
Speaker 1: many iTunes podcaster. It's over half a million.
Speaker 2: Oh jesus crazy.
Speaker 1: Like when I saw that, I was like, wow, top
Speaker 1: two hundred of over half I think it's like five
Speaker 1: hundred and fifty thousand like podcasts.
Speaker 2: Like I was like, what, Well, when we pasted the
Speaker 2: read I was like, that's what we did. Yes, we
Speaker 2: were about well not anymore, you know, we dropped down
Speaker 2: a little bit, but uh, for a minute we were
Speaker 2: we outranked the Read and I was like, what, Crystal
Speaker 2: what I.
Speaker 1: Know, I love Crystal Kit theory. Honestly, those are my
Speaker 1: face I would I would totally geek out.
Speaker 2: Yeah, so that was exciting. But yeah, it's top twenty
Speaker 2: in business podcasts, and you know what, like it means.
Speaker 2: It means so much to me just looking at those
Speaker 2: images of and you know, it sounds cliche, but our
Speaker 2: brown faces, brown and black faces on iTunes in those
Speaker 2: little square images, when you look at everyone else who's ranking,
Speaker 2: I mean it it is powerful and it means something
Speaker 2: to me. So when we see our you know, our
Speaker 2: friends who we don't really know, but some of them
Speaker 2: you know. But like you see the you see the
Speaker 2: dead Ass podcast and the Read and adulting podcasts and
Speaker 2: all these like people of color really killing it in
Speaker 2: the podcast game. Makes me so excited to be a
Speaker 2: part of that, you know, unofficial group.
Speaker 1: Yeah, and I just I do love that because you're right,
Speaker 1: it's just like you know, I mean, it's just an
Speaker 1: amazing time to like start something because you have the
Speaker 1: ability to speak directly to your audience and you guys
Speaker 1: listen and you someone hit me up the other day
Speaker 1: and they were like, oh, you know what. I was
Speaker 1: interviewed by the Guardian and the young woman I was like,
Speaker 1: how'd you find me? She was like, brown a bithit,
Speaker 1: I love you and Mandy.
Speaker 2: I was like, what, you know?
Speaker 1: I just thought that was so awesome. That happens more
Speaker 1: and more. And I love when you guys come up
Speaker 1: to me and give me the hugs I don't ask
Speaker 1: for because you know, I'm uncomfortable with hugs, but you
Speaker 1: give it to me anywhere and I love it. And
Speaker 1: I love how you give me a hug for Mandy
Speaker 1: And when you see Mandy, you're like, give this to Tiffany,
Speaker 1: y give her two hugs. No, you guys are awesome, awesome, awesome.
Speaker 1: I just yeah, so yeah, So just thank you, honestly,
Speaker 1: thank you.
Speaker 2: I love you guys. You make this show happen. Go
Speaker 2: leave reviews if you haven't yet and you're new to
Speaker 2: the show. Reviews really help us get seen more in
Speaker 2: the iTunes environment. So leave reviews if you can, tell
Speaker 2: a friend, and just make sure you subscribe and keep listening.
Speaker 2: Thank you guys so much.
Speaker 1: So what's happening on this rainy day for you?
Speaker 2: Oh so rainy let's see what happened. My dog walker
Speaker 2: canceled last minute. It's unfortunate. I'm getting a window into
Speaker 2: just what it is to try. And I mean, my
Speaker 2: friends always tell me you can't compare a dog to
Speaker 2: a child, but I'm like, I really have to keep
Speaker 2: this thing alive. And I have like work to do.
Speaker 2: And the last week our dog walker locked himself out.
Speaker 2: We've had some dog walker drums, you know, and the
Speaker 2: cost of dog walking is like starting.
Speaker 1: To add up.
Speaker 2: And then she was sick over the weekend and I
Speaker 2: was like, you know, if you're if you're like a
Speaker 2: pet parent, you have that you have that really terrible
Speaker 2: thought in your head, like should I take her to
Speaker 2: the vet? Oh, it's gonna cost money? Is it worth it?
Speaker 2: You're fine? And we had this, you know, and it's
Speaker 2: like an animal. And I was looking at her life
Speaker 2: like you're not that sick, are you, and thinking she
Speaker 2: pulled through, you know, fine, it was fine. But yeah,
Speaker 2: we haven't gotten pet insurance yet, so, you know, just
Speaker 2: her first round of you know, going for her checkup,
Speaker 2: not even get shots or anything like that, just to
Speaker 2: get like a checkup and a couple of tests run.
Speaker 2: I ended up spending three hundred four hundred dollars at
Speaker 2: the event over the course of two days. So out I.
Speaker 1: Should probably ped insurance work.
Speaker 2: Just like regular health insurance, except without you know, the
Speaker 2: benefit of the Affordable Care Act. You know, pets right
Speaker 2: now can be discriminated against by insurers for things like
Speaker 2: pre existing conditions or yeah, or even like if you're
Speaker 2: a breed that tends to have certain health complications or
Speaker 2: is more predisposed to have certain problems, insurers can deny
Speaker 2: you coverage or charge you more based on the breed.
Speaker 2: So there's that. But yeah, you just pay it like
Speaker 2: a monthly premium and then you most likely you have
Speaker 2: a deductible whenever you need it. You know, some pet
Speaker 2: insurance covers preventative care. Some it's like catastrophic. So I'm
Speaker 2: thinking about getting a catastrophic policy, which is a lot
Speaker 2: of what a lot of pet owners do, which is like,
Speaker 2: you know, if she were to get an act like
Speaker 2: hit by a car, oh god, I hope not, or
Speaker 2: getting a fight with a dog and you know, she
Speaker 2: breaks her arm, or she gets really ill because she
Speaker 2: eats something off, whatever, something really dramatic happens, it would
Speaker 2: cover something like that. I'm thinking about that, and then
Speaker 2: I'll just like keep money saving the side for those
Speaker 2: routine you know, preventive care checkups and whatnot. We'll see.
Speaker 2: But that's where I think people get in trouble with
Speaker 2: pets is when something really unexpected happens and then it's
Speaker 2: a huge bill.
Speaker 1: All yeah, because I can't remember I had a So
Speaker 1: I had a cat when I was a I think
Speaker 1: when din't I get it, I had to get it,
Speaker 1: like maybe like.
Speaker 2: The cat that went to live with your neighbor.
Speaker 1: Yeah, send the trader whatever. I'm not even mad at center,
Speaker 1: because you know, I couldn't give her the life to
Speaker 1: see deserved. She had to be out. But I remember,
Speaker 1: like because that was one of the things, like I
Speaker 1: begged my dad for this cat, and he's like, fine,
Speaker 1: you have to take care of everything, Like I'll drive
Speaker 1: you to the vet, but you have to pay for everything.
Speaker 1: And I had, you know, I babysat and and you know,
Speaker 1: I did like kind of little odd jobs around the neighborhood.
Speaker 1: And I remember like I took her to the vet,
Speaker 1: and like I remember, our bill was like one fifty
Speaker 1: and I was like wait and and my dad was
Speaker 1: like mmmm. But I paid it honestly, because you know,
Speaker 1: that was my baby. I was like, whatever, whatever she needs.
Speaker 1: I remember once I was so scared. I didn't you know,
Speaker 1: I was I was young, so I didn't know anything
Speaker 1: about heat, like animals going into heat, and she like,
Speaker 1: when cat's going to heat, they do this like arching
Speaker 1: back thing, you know. Basically, yes, they took the day
Speaker 1: backing that thing up, you know, and I didn't know.
Speaker 2: I just was like, what's wrong, Oh, you took her
Speaker 2: for that? Yeah I did, And of course was like
Speaker 2: she's just horny.
Speaker 1: My dad of course was giggling me while made me
Speaker 1: waste all my money. I guess you wanted be to
Speaker 1: learn a lesson. I was like, my cat is sick.
Speaker 1: She's sick, she's back in that thing of like yeah,
Speaker 1: and so I had to pay for I got. I
Speaker 1: got her newterd because I was like, she was like
Speaker 1: an outside inside cat, so you know, so I was
Speaker 1: like okay, and and so, but that was not cheap,
Speaker 1: you know, and I paid for that out of pocket
Speaker 1: like myself. And so it was just a really good
Speaker 1: learning lesson of like you know, taking care of something
Speaker 1: that needed you and setting inside that money. And yeah,
Speaker 1: I was like, now the neighbors have her, the neighbors
Speaker 1: have my kids, maybe me, and while she had everything
Speaker 1: she needed whatever, whatever, Cinder, I hope you enjoyed your life.
Speaker 2: Thank your name, per cut.
Speaker 1: Well, so this is kind of random, but today, uh,
Speaker 1: it didn't happen today because of the rain. But so
Speaker 1: the city of Newark, you know how like Detroit still no,
Speaker 1: not Detroit, Flint still does not have clean water.
Speaker 2: Yes, and just came out. They dropped criminal charges against
Speaker 2: basically everybody involved, which is just inculpable.
Speaker 1: And you know, so I didn't fully understand, like, you know,
Speaker 1: like what does it take? So I in Newark there
Speaker 1: was like an expos I don't know. Something happened when
Speaker 1: they were testing water and they found that Newerk, you know,
Speaker 1: because New York is a very old city, had lead
Speaker 1: pipes and there was like not every section of newer
Speaker 1: because some sections are newer, but some sections are newer
Speaker 1: were affected with lead in the water. So it was
Speaker 1: like this whole big thing, and I have to say,
Speaker 1: I'm really impressed with the way the city handled it.
Speaker 1: Like one as soon as it came out, I'm sure
Speaker 1: they knew already, but whatever, but as soon as it
Speaker 1: came out, they handed out like you could get free
Speaker 1: water filters, and then they instantly started like a replacement program.
Speaker 1: So one it started, the first phase was getting tested,
Speaker 1: like you signed up and it was free. They like
Speaker 1: hired contractors from around local contractors from around the city
Speaker 1: and its surrounding areas to come test. So someone came
Speaker 1: to our house, our new house, and tested our inside
Speaker 1: pipe and luckily it was copper, so copper pipes are fine.
Speaker 1: And then then they would test the outside pipes. And
Speaker 1: I mean, you did have to pay, because I believe
Speaker 1: my contractor was telling me that if I had to
Speaker 1: pay to replace the waterline in the street, that's over
Speaker 1: ten thousand dollars. So the City of Newark said the
Speaker 1: maximum you would have to pay to replace the copper
Speaker 1: or to replace your water lines inside and outside the
Speaker 1: house is one thousand dollars, which I don't know why
Speaker 1: you'd have to pay to replace copper lines outside your house,
Speaker 1: but whatever, And so I was like okay, so I
Speaker 1: signed up. They came by they said it's copper on
Speaker 1: the inside. And then so that means I just have
Speaker 1: whatever pipes are in the streets. So they're gonna replace
Speaker 1: they were supposed to do it today but it rained.
Speaker 1: But I just thought, like when I tell you, Mandy,
Speaker 1: it was so systematic. It was like, hey, here are
Speaker 1: your your filters? Then too, you know, sign up to
Speaker 1: have someone come by and check check your pipes because
Speaker 1: not everyone is affected. Then three phase three is okay,
Speaker 1: we're going like block by block to get you scheduled.
Speaker 1: And so our neighbors across the street they got theirs
Speaker 1: done today, like I said, because it was raining, they
Speaker 1: had to stop to do ours. But I just thought, like,
Speaker 1: I don't why hasn't this been done, you know what
Speaker 1: I mean. I know it's probably affected more so than Newark,
Speaker 1: but just watching the way Newark has handled it, I'm wondering,
Speaker 1: like why is this not being handled in that way,
Speaker 1: this systematic like approach, like this grid approach to like
Speaker 1: affected areas, you know.
Speaker 2: I mean, I wonder if Newark is reacting to the
Speaker 2: crisis in Flint like they don't want the same nightmare.
Speaker 1: Absolutely, I mean you can't have. They literally were finding
Speaker 1: like some of the schools had like in the water
Speaker 1: fountains had led like lead, Like that water had lead
Speaker 1: in it. That's how it all started. I don't know
Speaker 1: who tested it at first, but that came out and
Speaker 1: it kind of tumbled out to like it just in
Speaker 1: general that Newark because it was such an old city
Speaker 1: that many of the pipes were still led pipes, and
Speaker 1: so I just was just like really, like, you know,
Speaker 1: like it's disappointing that you know, it took all of this,
Speaker 1: but the fact that it's being like, you know, I
Speaker 1: think it's like a two year and like the two yeah,
Speaker 1: I think it was like two years. That's what I
Speaker 1: read that the whole city should be like lead pipe free,
Speaker 1: which is great, but it just made me think of
Speaker 1: Flint and asking like, are people so busy like trying
Speaker 1: to pass the buck that they're not just doing something
Speaker 1: about it?
Speaker 2: You know, Yes, that's what's happening, and uh, low income
Speaker 2: brown children are suffering. I think what happened with Flint
Speaker 2: is a pediatrician noticed it, like a or a researcher
Speaker 2: was looking at data from a pediatrician or youth in
Speaker 2: that area and then saw the patterns because it impacts
Speaker 2: it's really dangerous for children lead poisoning because it could
Speaker 2: just cause all kinds of developmental issues. My dad just
Speaker 2: texted me telling me not to go to the Dominican Republic.
Speaker 2: I'm like, great that news has reached the parents of America.
Speaker 1: I saw that, Yeah, So like is it all the
Speaker 1: same thing? Because some of it, I like, I was like,
Speaker 1: was it somebody attacked or is it just all the alcohol?
Speaker 1: Like I was confused as to like how they were
Speaker 1: aside from it being in the Dominican Republic. Were the
Speaker 1: deaths like related out of that, you know.
Speaker 2: So for those who haven't been watching Good Morning America
Speaker 2: like my dad does every day religiously, there have been
Speaker 2: this this spate of just unexplained deaths happening to people
Speaker 2: who are vacationing in the Dominican Republic and Punzakana, where
Speaker 2: you know, my husband's family is Dominicans. So I've been
Speaker 2: to several like Dominican vacations and weddings and stuff, and
Speaker 2: these are all inclusive resorts and they're you know, you know,
Speaker 2: they're like a luxury vacation destination. So the fact that
Speaker 2: these tourists have been dying, although the country still says
Speaker 2: that they're not related at all, it is kind of
Speaker 2: it's becoming like suspicious, you know. It's it's a lot
Speaker 2: of people yeah, my and my friends were texting earlier.
Speaker 2: Would you go to dr and I don't? I mean,
Speaker 2: you know it's I would wait to. I mean I
Speaker 2: feel like I feel bad for people who have booked
Speaker 2: vacations and don't have trip protection. Yeah, because then you're
Speaker 2: just like, well, you know, what are the odds all?
Speaker 1: Go? Right? I know I always think that, right when
Speaker 1: what something is? He like, I mean, is it really
Speaker 1: likely to happen to me?
Speaker 2: Or yeah? So yeah, I mean you know there's yeah,
Speaker 2: low odds, but uh, be careful out there if you're traveling.
Speaker 1: Yeah, so this is like also random too. I think
Speaker 1: I'm going to write a traditional book. Well, let me
Speaker 1: not say traditional book because I've written obviously books before.
Speaker 1: But I think I'm going to traditionally publish a book.
Speaker 2: Right, you're wait, are you traditionally publishing the children's book?
Speaker 1: No, because I don't want anybody to own Molly Moore?
Speaker 1: But why so yeah no, yeah, so a different book
Speaker 1: because a couple of publishers, like big name publishers. If
Speaker 1: I would to say that, you'd be like, I know that,
Speaker 1: and then they've reached out and it's like other publishers
Speaker 1: have reached out before I just was kind of like, nah, no, no, no,
Speaker 1: but I don't know for some reason, like two or
Speaker 1: three in particular, maybe saying hmmm, I might be interested.
Speaker 1: But then I said, well, I have to get an
Speaker 1: agent because I don't want to navigate that space alone.
Speaker 1: You know. I'm like, I'm wise enough to know now
Speaker 1: that you don't go those things alone. So I reached
Speaker 1: out to a couple of people, and i'd spoken at
Speaker 1: south By Southwest. Gene Chatsky. You've probably seen her on
Speaker 1: the Today Is It Today Show?
Speaker 2: Or I think she's the Today Show financial expert.
Speaker 1: Yeah, yeah, super nice, and I think I met her
Speaker 1: at Fincon and then I was on her like podcast
Speaker 1: or something like that. She's just a really nice woman.
Speaker 1: So she'd asked me to speak at south By Southwest Edu,
Speaker 1: which is like the educational south By Southwest right like
Speaker 1: the day before the regular south By Southwest, and we
Speaker 1: spoke on Time Magazine had like a panel about kids
Speaker 1: and money. So anyway, so she was telling me about
Speaker 1: her new book called I think it's called Women in Money.
Speaker 1: She's like, you know, like, and I was like, oh
Speaker 1: my gosh, that's great, and then it like dropped my memory.
Speaker 1: I was like, do you have do you have a
Speaker 1: book agent? And she's like, yes, I have a kick
Speaker 1: ass book agent. She's awesome. And so she introduced me
Speaker 1: and she is kick ass. Like, first of all, you know,
Speaker 1: like I'm not a huge curser, but I kind of
Speaker 1: like a people curse.
Speaker 2: Yes, we have talked about this, the cursing book agent. Yes,
Speaker 2: tell me yes.
Speaker 1: So she's like really like I love her, She's great.
Speaker 1: And then we were talking about so this book agent
Speaker 1: did the four hour workweek. I was like, hold up,
Speaker 1: wait a minute, isn't that awesome?
Speaker 2: Oh that's the famous book by that guy. What's his name,
Speaker 2: Tim Ferriss, Yes, Productivity, Yes, correct.
Speaker 1: Yes, and so yeah, so I just thought like, well,
Speaker 1: she's started her own business. She's not whatever whatever agency
Speaker 1: that she did that through. But I just thought like wow,
Speaker 1: it just you know, was like this is awesome and amazing,
Speaker 1: and she honestly super nice. I met her in New
Speaker 1: York and she just gave me like my homework I
Speaker 1: have to do, like my proposals to like a month
Speaker 1: a month or so. But yeah, I'm excited, you know,
Speaker 1: like I never really thought about traditionally publishing, but there
Speaker 1: are some benefits because no matter what you know, you're
Speaker 1: obviously like the no one takes self publishing a serious
Speaker 1: obviously as traditional publishing. But for me, I didn't really
Speaker 1: care about that because I was like, well, I'm only
Speaker 1: here to be serious to dreamcatchers my audience, you know.
Speaker 1: And so because those books have done really well. And
Speaker 1: plus two, you know, when you publish traditionally, you really
Speaker 1: don't get I mean, if you don't get a good advance,
Speaker 1: you don't really make much money on the back end,
Speaker 1: you know, right, I mean, you know there's some things
Speaker 1: you could do to negotiate, but still nothing, I mean,
Speaker 1: nothing compares to getting seventy percent of your own book
Speaker 1: versus whatever it is. You know that you get traditional publishing.
Speaker 1: So I'm excited. So I'm the good thing is but Lynette,
Speaker 1: you know our fairy, our fairy financial godmother that we
Speaker 1: all love, Lynette Kaw f Annie Hawks. I think she's
Speaker 1: on Good Morning America. She's the like the go to
Speaker 1: financial expert there. So she was telling me because Lynette
Speaker 1: has a a New York Times bestseller I think a
Speaker 1: couple of them, but she has traditionally published and published
Speaker 1: also self published. She said, the great thing about having
Speaker 1: at least one or two traditionally published books is that
Speaker 1: when people love them, people tend to like buy all
Speaker 1: your books, you know, like, oh my god, I love Lynette.
Speaker 1: So she was like, it kind of like gives you
Speaker 1: more sale in where you get more money anyway, which
Speaker 1: is you know, the ones that you self published. So
Speaker 1: she was like, you know, she kind of gave me
Speaker 1: like the like the thumbs up, go ahead, like do
Speaker 1: it girl. So I'm excited, you know, I'm I'm still
Speaker 1: trying to figure out like what to the book. I mean,
Speaker 1: obviously personal finance, but like you know, what to the
Speaker 1: book kind of like be about because I figure I
Speaker 1: feel like I've covered, you know, so many other topics
Speaker 1: and so yeah, I'm just I'm just really excited. And
Speaker 1: it's exciting because that book, Tim Ferris's book before our
Speaker 1: work week, that book I used to read it during
Speaker 1: that time when the kids were asleep when I taught
Speaker 1: preschool for ten years, and it really helped me to
Speaker 1: start the budget Neista. I remember I had like a
Speaker 1: notebook full of notes and like it just really helped
Speaker 1: to like jump start like what I'm doing now. So
Speaker 1: what a full circle moment right, like she played this
Speaker 1: huge role in that and and you know, and that
Speaker 1: really helped that book play the huge role into what
Speaker 1: I'm doing now. So I'm like, look in, look at good.
Speaker 2: So you don't know what it'll be about, y'all. I'm
Speaker 2: still figuring it out.
Speaker 1: Yeah, I mean, I know it's going to be about
Speaker 1: personal finance obviously, but in what realm like for example,
Speaker 1: you know, don't have my literature challenge books. I've talked
Speaker 1: about budgeting. I have a budget book, I have a
Speaker 1: savings book, a credit book, you know. So it's kind
Speaker 1: of like, well, what you know, what how about this, y'all?
Speaker 1: Tweet me or like write under my Instagram post like
Speaker 1: what if you wanted a book for me? Like, you know,
Speaker 1: what would it be? So I have some ideas kind
Speaker 1: of swirling. I'm gonna save some of them to myself
Speaker 1: when I think, you know, I'll tell you offline, Mandy,
Speaker 1: but I you know, but I am really curious as
Speaker 1: that what do people actually need and want? And so
Speaker 1: she gave me some really great idea So I'm kind
Speaker 1: of like doing some research now. We have a few,
Speaker 1: like I'd written a few like social media posts like
Speaker 1: in the past, asking what people really needed help with,
Speaker 1: so I can get just an understanding of what do
Speaker 1: people really need and how do I deliver that. So
Speaker 1: but you can tweet me at the Budgetista or you know,
Speaker 1: post under my Instagram. The Budgetista was like, girl, I
Speaker 1: would love it for you to write about this or
Speaker 1: I'm struggling with this or whatever that looks like, because
Speaker 1: that would be really helpful because I don't want to
Speaker 1: write a book that you don't need, you know, So
Speaker 1: I'm excited. And so I actually picked up his book
Speaker 1: The Four Hour Workweek from Barnes and Noble today because
Speaker 1: I I am the type that when I the books
Speaker 1: that I like to write, I liked for them to
Speaker 1: have a formula, you know, like here are concrete steps
Speaker 1: with concrete things that you can do, not just like
Speaker 1: a book like that's just kind of like talking and like,
Speaker 1: you know, like theorizing about things I like to say today,
Speaker 1: pick up a pen and write this thing down. So
Speaker 1: and his book is like, you know, in alignment with that,
Speaker 1: So I was like, let me pick it up and
Speaker 1: kind of get that energy that helped me move that
Speaker 1: trance to help to transform my life. Because I want
Speaker 1: my book to have a similar energy in that it's transformative,
Speaker 1: but in a like a real way, you.
Speaker 2: Know, making me feel bad. I've never read that book before.
Speaker 1: I know I need to.
Speaker 2: I'm like the only person who's ever read it. I'm
Speaker 2: gonna pick it up too.
Speaker 1: Yeah it's a good Honestly, it's a really good book.
Speaker 1: It's just yeah, I mean it was really like I said,
Speaker 1: it was helpful, and it didn't. It didn't feel like,
Speaker 1: you know, he was talking over my head. It was
Speaker 1: just he was like one of the first guys to
Speaker 1: write in that bro language, you know, like you know,
Speaker 1: not like because most of these books, these business books
Speaker 1: are written by like I've got my MBA and I've
Speaker 1: got my doctorates and you want to you know, but
Speaker 1: he was like, hey, what's up, guys, Like that book
Speaker 1: is very much like that brosky kind of language. And
Speaker 1: even though he's totally like a bro, I didn't feel
Speaker 1: left out of the conversation. And somehow I felt like, Okay,
Speaker 1: this is for me too.
Speaker 2: Well that's so exciting. Okay, keep us posted, we'll do
Speaker 2: Shall we take some questions?
Speaker 1: Yes, let's all right.
Speaker 2: To appease the audience. Who thinks I'm ignoring them? In
Speaker 2: the regular email inbox, which I'm not. You can still
Speaker 2: send us questions at Brannivision Podcasts at gmail dot com
Speaker 2: or brannanbisionpodcast dot com. Ask us anything tab. The thing
Speaker 2: about questions is sometimes I will skip questions if we've
Speaker 2: already answered similar ones before. So I like to I
Speaker 2: like to get a nice variety. So if we don't
Speaker 2: answer your question, we can't get to every single question,
Speaker 2: and sometimes it may just be that we've answered something similar.
Speaker 2: So don't take it personally. We really appreciate you guys
Speaker 2: sending questions in and we try to get to We
Speaker 2: just try and get to the ones that are a
Speaker 2: little bit different than we have it.
Speaker 3: Don't take it personal. Who Mandy, quick, quick quick, don't
Speaker 3: take it personal. Literally, just one of them days, Mandy.
Speaker 1: That a girl goes through. Do I have to take
Speaker 1: your black and brown cart?
Speaker 2: You can? I think someone else has them. Actually, they've
Speaker 2: been stolen so many times and revoked. I'm in debt.
Speaker 1: I'm gonna take me like I have your millennial card. Now,
Speaker 1: this card, I'm like, you know, yeah, so it's okay,
Speaker 1: it's okay. We don't find I was like, but you
Speaker 1: do know Monica the artist.
Speaker 2: Yeah, I know Monica, No you don't, I guess I do.
Speaker 2: Angel of My. I can only name two of her
Speaker 2: songs though, that one and the Brandy What was it
Speaker 2: the Boys?
Speaker 1: Because Angel of Mine? I feel like it's less popular
Speaker 1: than like Don't take a Wait? Is it one of
Speaker 1: those that was her first song? Like the one of
Speaker 1: them days? But anyway, anyway back to the questions.
Speaker 2: Yeah, yeah, yeah, I was about to go into a
Speaker 2: whole thing with my travel. Kay, okay, whatever should out
Speaker 2: to Monica? Love her all? Right? Questions which I have
Speaker 2: promptly lost as I was talking about them.
Speaker 1: Here we go.
Speaker 2: This question comes from Dizzle DG on Instagram. He says, hello,
Speaker 2: who this is a guy? Okay, Hello, My wife and
Speaker 2: I are working on I just corrected his grammar as
Speaker 2: I was reading it, which I know was annoying, but
Speaker 2: I sorry. I'm sorry, Dizzle. Hello. My wife and I
Speaker 2: are working on saving money, but are having a hard
Speaker 2: time putting money in places and leaving it there. Because
Speaker 2: of that, we're looking into putting our money into things
Speaker 2: that we can't easily access, like investing in mutual funds
Speaker 2: ETFs or bonds. Do you think this is a good
Speaker 2: idea or do you have any suggestions on better ideas
Speaker 2: for this type of saving. I feel your pain. Yes,
Speaker 2: you put the money away and then something happens and
Speaker 2: you dip into it. I've been there before.
Speaker 1: Yes, So I think we all feel like, like, how
Speaker 1: do you hide money from yourself?
Speaker 2: Mancha for a while, Like I used to be really
Speaker 2: extreme about it. I had my checking account in one place,
Speaker 2: and then I had like seven separate savings accounts and
Speaker 2: another bank that where I could open up as money
Speaker 2: as I wanted. Each savings account had a name. There
Speaker 2: was like nation name.
Speaker 1: You are men to judge me?
Speaker 2: Well, this was me. I've toned it down over the years.
Speaker 2: I've simplified things. Yeah, like the savings there was like
Speaker 2: the emergency fund, there was the vacation fund, the Christmas
Speaker 2: gift fund. I mean it was like I just remember
Speaker 2: seven different savings accounts. Lately, I have used my I've
Speaker 2: made peace with my like my four oh one K
Speaker 2: automatic savings or my for those of you who don't
Speaker 2: have a four oh one k your IRA. If ever
Speaker 2: I'm feeling like I'm doing something wrong, I'm like, but
Speaker 2: I'm still saving ten percent of my income each month
Speaker 2: or ten to fifteen percent, depending on I Sometimes they
Speaker 2: ratchet it up for retirement, and I always have like
Speaker 2: peace of mind knowing that I had this money in
Speaker 2: the bank and that I can't touch it without penalties,
Speaker 2: you know, without tax penalties or or or taxes to
Speaker 2: pay on it, because there's all these rules associated with it.
Speaker 2: So I feel good about that. And then, you know,
Speaker 2: if I dip into my savings once in a while,
Speaker 2: especially when we were doing the house, like the savings
Speaker 2: was like seriously depleted, I could at least feel comfort
Speaker 2: knowing we never stopped saving for retirement. But as far as,
Speaker 2: like you know, I do think it's you know, if
Speaker 2: you're talking about it depends on what you guys are
Speaker 2: saving for you and your wife. If you're saving for
Speaker 2: that emergency fund where okay, leaky roof car breaks down,
Speaker 2: you should have that money somewhere you can access that.
Speaker 2: You just got to be disciplined, So try putting in
Speaker 2: a different bank account that you don't have a debit
Speaker 2: card tied to that you can't easily access. You know,
Speaker 2: they don't have the account. Never memorize things like that.
Speaker 2: But if we're talking about money that you don't need
Speaker 2: for a year or two. Yes, I think CDs can
Speaker 2: be great. You know, we opened our first couple of
Speaker 2: CDs a year or two ago because rates were getting
Speaker 2: a lot better than savings accounts and it seemed like
Speaker 2: it made sense. So I'm a fan of that. And
Speaker 2: you know, as far as like mutual funds ETFs, now
Speaker 2: you're talking about investing, and you have to be aware
Speaker 2: that if you're going to be saving in the market,
Speaker 2: you know, it's more investing and you could the potential
Speaker 2: for reward is higher, but the potential for losses is
Speaker 2: higher too. So you know, you don't want to be
Speaker 2: put in your emergency fund for you know, unexpected emergencies
Speaker 2: tied up in the market, because you know what, if
Speaker 2: something bad happens, then your backup plan is completely obliterated.
Speaker 1: Yeah, I was gonna say that, like if I mean,
Speaker 1: I would keep my emergency fund, you know, kind of
Speaker 1: like locked away at like a an online only bank,
Speaker 1: you can. I just actually sent somebody to Magnified Money yesterday.
Speaker 1: I was one of my friends. We did like a barter.
Speaker 1: She is like an amazing photographer, and so she was like, hey,
Speaker 1: can you just like help me kind of like look
Speaker 1: at my money and see like what I could do
Speaker 1: to tighten up. I was like, sure, can I get
Speaker 1: some free pictures? So we did a barn She's like sure,
Speaker 1: and so she so, but we actually I actually told
Speaker 1: her go on Magnified Like I took her on Magnified
Speaker 1: money dot com. I was like, click savings and then
Speaker 1: like I showed her like, see, these are like these
Speaker 1: online only savings accounts that I really love, and look
Speaker 1: for the ones that are a FDIC insured minimum deposit
Speaker 1: like you know zero basically highest interest rate, and and
Speaker 1: that you don't have to have a certain deposit in
Speaker 1: order to like do you have you don't have to
Speaker 1: maintain a certain deposit in order to get that industry.
Speaker 1: And so she picked one that she felt like comfortable
Speaker 1: with but saving like emergency funds there it at least
Speaker 1: don't open up a checking account at that bank, but
Speaker 1: it at least provided that buffer of like twenty four
Speaker 1: to seventy two hours. That's how long it takes to
Speaker 1: get your money back if you attach your online only
Speaker 1: savings account to your traditional checking account, so it's checking
Speaker 1: account at a different brick and mortar bank savings account online,
Speaker 1: so that will help a little bit, because literally there's
Speaker 1: no way for you to get your money except for
Speaker 1: to make that transfer and wait at least twenty four
Speaker 1: hours and then you know, outside of an emergency fund,
Speaker 1: you know, I think most of us, if if we
Speaker 1: keep money laying around too much or you know, we're
Speaker 1: apt to spend it. And so yeah, so I mean
Speaker 1: it are you that extra money if if it's saving
Speaker 1: for a specific thing or it's just like there's this
Speaker 1: extra money, and then you know, then I would look
Speaker 1: to invest in I particularly like like Vanguard. These people
Speaker 1: are not you know, mag Ifi. My money doesn't pay me.
Speaker 1: They pay the Vaney though, but she worked there. But
Speaker 1: but like Vanguard doesn't pay me anything. But I like
Speaker 1: Vanguard as far as like if I'm going to look
Speaker 1: for mutual funds and ets, and I like their philosophy
Speaker 1: as a company. They've got a really low expense ratio,
Speaker 1: which is basically the fee that they that they charge
Speaker 1: you in order to in order to manage your money.
Speaker 1: I think, like last of my check was like well
Speaker 1: under one percent. I don't quote me, but I mean
Speaker 1: that's the last time I checked. And so yeah, you
Speaker 1: should be investing. I mean, I don't know, if there
Speaker 1: you guys are investing, Like, are you setting aside at
Speaker 1: least ten percent of your income for retirement? If that's
Speaker 1: not the case, maybe start beefing that up a little bit.
Speaker 1: But yeah, just having your money languishing is you know,
Speaker 1: it's a problem we all have. I know, I've definitely
Speaker 1: been there, and so I've been making changes, so it's
Speaker 1: not just kind of sitting there doing nothing waiting to
Speaker 1: be spent.
Speaker 2: Yeah, and if you guys are, it sounds like the
Speaker 2: problem is that you're putting money away, but then you're
Speaker 2: finding that you need it for something. So maybe it's
Speaker 2: like the symptom of a deeper issue, which could be
Speaker 2: cash flow. Like, you know, take a look at your
Speaker 2: expenses versus what you guys have have coming in. Do
Speaker 2: you have unrealistic expectations of how much you can save?
Speaker 2: You know, should you be starting smaller working your way up,
Speaker 2: or are there some expenses you can cut to give
Speaker 2: yourself more wiggle rooms you can put away more money
Speaker 2: and you know, just you know, go easy on yourself.
Speaker 2: Saving a little bit is better than nothing. So yeah,
Speaker 2: take it.
Speaker 1: Yeah slow and thank you your question. Yes, And I
Speaker 1: like CDP. I know people are like CdSe like old people.
Speaker 1: But I'm like no, I opened up CDs like for
Speaker 1: my my nieces and my nephews.
Speaker 2: I mean, CD rates are now cooling off because the
Speaker 2: FED has stopped raising rates every which way like they
Speaker 2: were for the past you know, decade. It it felt like,
Speaker 2: or certainly the last few years, rates were just going
Speaker 2: up all the time, and now they've slowed down. So
Speaker 2: CD rates have slowed down too. But if you're if
Speaker 2: you're torn between savings versus CDs, just ask yourself, well
Speaker 2: you need the money, you know, before that CD rate
Speaker 2: is up. Do you really really not need the money
Speaker 2: before you tie it up in a CD and then
Speaker 2: compare rates you know, sites like yes, Magnify Money, but
Speaker 2: there's other sites too. You can easily compare rates online
Speaker 2: now to be sure you getting the best deal out there.
Speaker 2: Thanks for your question, Dizzodig, and let's go to an
Speaker 2: email question from listener Aria. I hope I said that right.
Speaker 2: Credit card question. Aria says, I'm twenty five years old,
Speaker 2: young professional with a credit score a little over seven
Speaker 2: hundred can grass girl? I think my credit score is
Speaker 2: over seven hundred and twenty five. I have student debt
Speaker 2: in a car loan. I'm working to get refinanced, but
Speaker 2: I'm looking into applying for my first credit card, and
Speaker 2: I'm at a loss. My mom's telling me to go
Speaker 2: through Wells Fargo. Of course she is, and other friends,
Speaker 2: all of your friends are telling me Capital One or Discover.
Speaker 2: I foresee myself traveling often in the future, so I
Speaker 2: would potentially like a card where I can get points, rewards,
Speaker 2: or miles. I currently have a best Buy credit card.
Speaker 2: So this isn't your first credit card then, yeah, but uh,
Speaker 2: I currently have a best Buy credit card and a
Speaker 2: Care credit card for health care expenses. I don't use
Speaker 2: them often, but when I do, I pay them off
Speaker 2: within the month. Proven to myself, I'm financially responsible, so
Speaker 2: I trust myself with the card now. So she's looking
Speaker 2: for her next credit card, not her very first credit card. Well,
Speaker 2: it's great that you've, you know, gotten those other two
Speaker 2: credit cards improved. You can be responsible, yes with those, Yeah,
Speaker 2: that's the key. And I don't think I'm thinking the
Speaker 2: best Buy credit card doesn't have I think my husband
Speaker 2: has one. They doesn't have an annual fee, and Care we.
Speaker 1: Have we have one too, of Best Buy credit card.
Speaker 1: Superman has one. I don't think there's annual fee.
Speaker 2: Yeah, that care credit card you got to be careful
Speaker 2: with because they're the ones that tell you will give
Speaker 2: you six percent zero percent interest financing to get your
Speaker 2: you know, invisi line or to take your you know,
Speaker 2: take your dog for surgery or whatever. And then if
Speaker 2: you don't pay off the debt before that interest period,
Speaker 2: that intro promotional period's over, they slap you with deferred
Speaker 2: interests usually, which is like pretend as if you were
Speaker 2: paying interest all along, but they just waited until then
Speaker 2: to slap it onto your bill.
Speaker 1: Yeah, and it sucks. So that's good to be mindful,
Speaker 1: I would say, honestly, of course you like you like
Speaker 1: Mandy said. Of course your mom said, wells Parker, because
Speaker 1: you know, like they like try true. Yes, I made
Speaker 1: a physical bag. You don't, honestly, like Mandy and I
Speaker 1: both have that.
Speaker 2: What is it?
Speaker 1: I always call it go ahead girl.
Speaker 2: Chase good Time cards.
Speaker 1: I never get the name of it right, But it's
Speaker 1: really the Sapphire Reserve, right, is that what it's called?
Speaker 2: Yeah, the Chase Sapphire Reserve. So if you but the
Speaker 2: thing about this card, I don't know if I would
Speaker 2: recommend that card for her, and remember we're not you know,
Speaker 2: let's take your advice with the grain of salt.
Speaker 1: Yeah, I forgot the monthly the annual fee, Yeah, I
Speaker 1: wouldn't do.
Speaker 2: That because these cards are sexy, the Chase Reserve and
Speaker 2: other you know, lucrative travel rewards cards because they give
Speaker 2: you that three points per dollars spent on things like
Speaker 2: travel and eating out. And then they give you that
Speaker 2: three hundred dollars travel credit per year where they reimburse
Speaker 2: you for everything from Uber to train fair to air fare,
Speaker 2: and they give you these perks, but they charge what
Speaker 2: is the annual fee, four hundred and fifty dollars.
Speaker 1: But for me it's worth it. But it's just like
Speaker 1: Berth there for you listening.
Speaker 2: Especially twenty five years old, like, you know, you may
Speaker 2: not want to go that just get to that extreme
Speaker 2: quite yet. I love a simple you know, you know,
Speaker 2: you say they're traveling often in the future, but think
Speaker 2: about your day to day spending habits today and I
Speaker 2: would say, a nice flat rate cash back credit card
Speaker 2: that's going to give you a flat rate on all
Speaker 2: your purchases. Like I've been a fan of the City
Speaker 2: Double Cash card myself, because you get one percent when
Speaker 2: you make your purchase and then you get another percent
Speaker 2: when you pay off the card each month, so really
Speaker 2: it's a two percent cash back, flat rate card. I
Speaker 2: think that's a solid card to have in your wallet
Speaker 2: for every day spending. If you want the travel reward
Speaker 2: card without the high annual fee, you could take a
Speaker 2: look at Uber. Uber has a travel card out now.
Speaker 2: I think it doesn't have an annual feed and it
Speaker 2: gives you four X points on spending like travel and dining,
Speaker 2: and it has some kind of perks for Uber rides itself,
Speaker 2: I think. And then what was I thinking of? Oh,
Speaker 2: the step down from the Chase Reserve is the Chase
Speaker 2: Sapphire Preferred, which I think is ninety five dollars. And again,
Speaker 2: like check these cards out yourself. I'm just rattling off
Speaker 2: the top of my head, but make sure you know
Speaker 2: the most recent terms on these cards. But Chase Fire
Speaker 2: Preferred I think is two points on travel and then
Speaker 2: it's ninety five dollars a year. So as long as
Speaker 2: you think you'll travel enough to make at least that
Speaker 2: much money and rewards are more ideally, then it can
Speaker 2: be worth it.
Speaker 1: Yeah, and you know, being mindful, like, take it slow, don't.
Speaker 1: It's easy to get a credit card, I mean, because
Speaker 1: you have your best By card and you have the
Speaker 1: other your care card. But the thing is those you know,
Speaker 1: are pretty limited, like you spend it at best Spot,
Speaker 1: So having a card that you can use anywhere is
Speaker 1: a different animal. So you know, just adhere to that
Speaker 1: same rule of paying it off in full by the
Speaker 1: month and you'll be you know, you'll be good to go.
Speaker 1: It's it's easy to go crazy with your first card,
Speaker 1: but you know, you've proven yourself to be responsible. You've
Speaker 1: got a great credit score, you're young, and you've been
Speaker 1: able to manage thus far. But just like I said,
Speaker 1: just just be mindful because it's easy to you know,
Speaker 1: one white because another swipe and before you know, you're like, yikes.
Speaker 1: Don't be afraid to leave that card at home if
Speaker 1: you feel tempted, and to take out your debit card
Speaker 1: and bring.
Speaker 2: It with you. Yeah, it's one hundred percent, and you know,
Speaker 2: and do your research. And as far as like choosing
Speaker 2: a credit card with a certain bank, it doesn't really matter.
Speaker 2: You know, you should pick the card even if it's
Speaker 2: at a bank you never heard of. Before pick the
Speaker 2: card that has the best terms, the best rewards for
Speaker 2: your lifestyle, and it's not going to charge you high
Speaker 2: fees and has good customer support and you know all
Speaker 2: that well as far Ago may have a good travel card.
Speaker 2: But compare your options and I'll share a link to
Speaker 2: a couple of a couple of roundups of the best
Speaker 2: travel cards where you can get started. But think about
Speaker 2: that nice flat rate cash back credit card that I'll
Speaker 2: just serve you every day too, because I think that's
Speaker 2: a nice entry level. And then you can test yourself
Speaker 2: with the rewards card. Are you going to be spending
Speaker 2: more just to earn that reward? You know, that's the
Speaker 2: temptation of these travel cards is that they get you
Speaker 2: to spend more so that you get those points. But
Speaker 2: then can you really afford to pay it off each month?
Speaker 2: And if you can't, then it's not worth it. But
Speaker 2: good luck, and keep that seven hundred credit score that'll.
Speaker 1: Serve you well, yes, more than anything else. That's more
Speaker 1: important than that credit card.
Speaker 2: All right, thank you for your question, Aria, and again
Speaker 2: hit us up on Instagram at Brandonbision podcast on the Gram,
Speaker 2: or by email Brandibision Podcasts at gmail dot.
Speaker 1: Com dot com. Now it's time for booster break? Which
Speaker 1: one will you give? Or Okay, you.
Speaker 2: Gotta remember these jingles?
Speaker 1: I don't ever like I just forgot it already, you already.
Speaker 2: Now, I'm like, hey, hey, hey, stuck.
Speaker 1: Yeah, all yeah, that was stuck With all the rest
Speaker 1: of them. I'm like, because we actually had some really
Speaker 1: good I feel like we what we should do a
Speaker 1: compilation all those jingles because I was like, that was
Speaker 1: a good Remember I had one where like I rhymed
Speaker 1: for like almost a minute straight. I said, look at you, Tiffany,
Speaker 1: you could have been a rapping No, I don't remember that.
Speaker 2: Seven to seven episodes, I know.
Speaker 1: I'm just soul like for you guys rideing with us.
Speaker 1: So are you gonna have boosted? Are you gonna have
Speaker 1: break it?
Speaker 2: I'm gonna do a break because I have been to
Speaker 2: a couple of these meetings in the past couple of
Speaker 2: weeks and it drives me nuts as someone who doesn't
Speaker 2: want to waste people's time, and whenever I asked someone
Speaker 2: to do a meeting with me, I feel like I
Speaker 2: must come with an agenda. So I just hit the
Speaker 2: highlights and if I love ending meetings early so I
Speaker 2: can say I'm gonna give you fifteen minutes of your
Speaker 2: life back. It's my favorite. I love it. I was
Speaker 2: at a meeting last week where it ended at the
Speaker 2: forty minute mark. It was supposed to go an hour,
Speaker 2: and the person hosting the meeting just continued to he
Speaker 2: was like, oh, we've got twenty minutes left. How do
Speaker 2: you feel about da da da da da? And you
Speaker 2: know that price the tea in China and what's happening
Speaker 2: in the Dominican you know, just like all and I
Speaker 2: was like, you've got to give people their time back?
Speaker 3: Why?
Speaker 2: So that's actually not my break. My break is a
Speaker 2: meeting with no agenda. So and especially if you're in
Speaker 2: an environment where time is precious and you know a
Speaker 2: lot of people are involved, Like I just love just
Speaker 2: three bullet points, you know, not even like a PowerPoint,
Speaker 2: just like what is this meeting going to achieve? What
Speaker 2: is the goal of the meeting? And then like telling
Speaker 2: people before you start the meeting, like in advance, what
Speaker 2: the like the three things you want from them at
Speaker 2: that meeting. Like setting expectations is so important and for me,
Speaker 2: it's all about like like I want meetings to end
Speaker 2: and people feel like, oh, okay, we move the needle
Speaker 2: to achieve something, or we know what the next steps are,
Speaker 2: and it just drives me a little Craik kray when
Speaker 2: meetings were like, clearly the person hasn't prepared, they don't
Speaker 2: really know what they're you know, they call people together
Speaker 2: and the I'm not sure why and we're just gonna
Speaker 2: ramble and talk, you know, for half an hour and
Speaker 2: didn't do nothing, and it's just like, you know, thank
Speaker 2: you for not valuing my time. It's what it feels like.
Speaker 1: One in my head out because we have a monthly
Speaker 1: team meeting like once a month obviously like a full
Speaker 1: team meeting, and I had the wrong agenda, so I'm
Speaker 1: like going on, you know, like whatever, and then I'm
Speaker 1: like calling, I'm like, oh, yeah, at least I see
Speaker 1: you're on here, so what's going on with It took
Speaker 1: to like the third person, so I called on our
Speaker 1: intern cares and said to kios Kiars was like, I'm
Speaker 1: not even gonna lie, I'm not even ready, like I
Speaker 1: don't and someone was like, I think you're on the
Speaker 1: wrong agenda. I'm like, why did y'all let me get
Speaker 1: right through the meeting?
Speaker 3: Yes?
Speaker 1: I was like, come on now, and I was like, meanwhile,
Speaker 1: y'all so ya, I mean, she stepped up, was like, okay,
Speaker 1: well the uptick for our financial freedom plan, I mean,
Speaker 1: and I was like, she was like, I'm not gonna lie, Tiffany.
Speaker 1: I was like wait and mom being gend So everyone
Speaker 1: just stepped it up and pulled whatever it is they
Speaker 1: had to pull out of their behind to be like, look,
Speaker 1: I don't I'm not prepared. But I just thought it
Speaker 1: was hilarious that it took cares the intern to be like,
Speaker 1: I'm not sure why my name is on there. I
Speaker 1: did not request it. It was so cute, and I
Speaker 1: was like, so yeah, So, I mean, we try not
Speaker 1: to waste people's time. We try to keep our meetings
Speaker 1: under an hour. But yeah, no, I totally get that.
Speaker 1: Or just sometimes like even when folks hit me up
Speaker 1: on like social and it's high and you're like, okay,
Speaker 1: I know they have a question, and I don't mind
Speaker 1: ask a question, but you don't have to butter me
Speaker 1: up and wait for me to say hi back. Just hey, Tiffany,
Speaker 1: you know, thanks so much for blah blah blah. I
Speaker 1: have a question, like you can put it all in
Speaker 1: one sentence, because that whole that initial high or that
Speaker 1: initial hey, what's up. It's like, I know you have
Speaker 1: a credit question. I know you got a budget questions.
Speaker 1: It's okay, literally see a bunch of these, stay account.
Speaker 1: I don't want if you get to it, even when
Speaker 1: you see me in person, like I don't honestly, I
Speaker 1: honestly don't mind unless I'm like rushing off and I'm
Speaker 1: racing off somewhere you could tell that I'm you know, busy,
Speaker 1: or if I'm on the phone, you know, and even
Speaker 1: then typically I'm you know, I might be if I'm
Speaker 1: at like a whole food, I'm probably talking to like
Speaker 1: my sister or my mom or something. I don't mind helping.
Speaker 1: But yeah, for me, I just like people just to
Speaker 1: get to the point because we're dragging it out and
Speaker 1: you're gonna ask the question anyway, so let's get to it.
Speaker 2: If I could just wear a T shirt that had
Speaker 2: one slogan, it would be to get to the point
Speaker 2: or tell me what you really want to say.
Speaker 1: Oh.
Speaker 2: I hate when people just like passive aggressive don't teay
Speaker 2: what they want to say. Oh, that's more breaks. I'm
Speaker 2: just breaking all the place.
Speaker 1: Well, I'm like the Queen of passive aggressive. But it's okay,
Speaker 1: we're gonna We're gonna deal with that. So I am
Speaker 1: going to boost because I'm super excited. In the mail
Speaker 1: today I receive the paper it said DreamCatcher trademarked. I know.
Speaker 1: I'm like, meanwhile, wait what I know? I can finally
Speaker 1: speak on it now because I was so scared that
Speaker 1: someone was gonna trade it.
Speaker 2: Has been.
Speaker 1: Honestly, it's been like at least six or seven I.
Speaker 2: Think I'm cucy it wasn't already trademarked by some money.
Speaker 1: Yeah, well, well DreamCatcher at the way I'm using it,
Speaker 1: So DreamCatcher. It's like I think it said something like
Speaker 1: what does it say to be used as like a
Speaker 1: like a a social club to support women in their
Speaker 1: financial goals or something like that. So I mean, obviously
Speaker 1: I don't like, you can use DreamCatcher ten thousand ways,
Speaker 1: just not in this way, like the way I'm using it.
Speaker 1: So like another financial person couldn't say my group is
Speaker 1: called Dreamcatchers. You know, so because when you trademark, like
Speaker 1: for example, I saw a four Seasons, like we know
Speaker 1: four Seasons is like the fancy hotel but I saw
Speaker 1: a four seasons garden shop, so clearly, like the four
Speaker 1: seasons hotel does not own, there's four seasons for the
Speaker 1: garden shop. So so yeah, but I'm just excited because
Speaker 1: I was just like, yeah, I you know, I was
Speaker 1: sleeping and sleeping on it, and it takes about a year.
Speaker 1: But by the time you like apply, but by the
Speaker 1: time they you know, they go through all the rigamar roles.
Speaker 1: So I just want to shout out Tony Moore of
Speaker 1: Legally Chic. She's so awesome honestly, like I said, I mean,
Speaker 1: I have two lawyers, but Tony does like my day
Speaker 1: to day stuff. So she's the one who kind of
Speaker 1: like not kind of, but she does all my trademarks
Speaker 1: and stuff. Now, she's really great. She's she's fast, she's swift,
Speaker 1: he's sharp as hell. And yeah, so we've got a
Speaker 1: couple of other trademarks coming down the pipeline, like she
Speaker 1: was the one. Like. What I love about Tony too
Speaker 1: is that she'll like check up and be like, uh,
Speaker 1: I remember when my trademark for the budgeties to expire.
Speaker 1: Can you imagine? Oh god, I know, I mean luckily
Speaker 1: I have.
Speaker 2: It obviously, but because their brand ambition, trademark expired. When
Speaker 2: does that happen?
Speaker 1: So I think the way it's I think it's like
Speaker 1: the first because trademark supposed to last for ten years,
Speaker 1: but I think it's like it's five years then like
Speaker 1: seven and ten. I don't know, like it'll they'll send
Speaker 1: an email though, but you just.
Speaker 2: Tell Tony's our lawyer, tell her to.
Speaker 1: Check you're right. I forgot that she did our and
Speaker 1: she did our like our our stuff too, but yeah,
Speaker 1: Tony's awesome. But yeah, I was like, so she just
Speaker 1: sent me the thing in the mail. I was like
Speaker 1: woo yay. Yeah. I definitely was on pins and needles
Speaker 1: for that one cause I.
Speaker 2: Was like, yikes, it's official on T shirts.
Speaker 1: Now I know exactly, so that's another trade. But it's
Speaker 1: that crazy in order to put that on T shirts.
Speaker 1: I think that's another trademark.
Speaker 2: Yeah, it's true. It is just give the government more moneies, ah.
Speaker 1: More money, it is. But I'm like whatever, But as
Speaker 1: long as like I own that as it relates to
Speaker 1: like financial groups, I'm good to go.
Speaker 2: I love having that little letter with a little gold
Speaker 2: steel on it. Yeah, it's special.
Speaker 1: I got like, you know, it was like some one
Speaker 1: of those big envelopes in the nail and I'm like
Speaker 1: opening it, like what is this? And I was like,
Speaker 1: so I was excited. I was I had to share
Speaker 1: with the dream Catchers. I'm like, should I share it?
Speaker 1: I think I'd be like, girl, we haven't been official.
Speaker 1: I'm like, whatever, we're official now.
Speaker 2: But you don't know, can't hurry.
Speaker 1: You exactly exactly.
Speaker 2: That's exciting. Book deals, popping, trademarks, popping. Your book should
Speaker 2: be called Tiffany.
Speaker 1: Ink about how I start of? No, I don't think.
Speaker 1: I feel like I want to wait until I wouldn't
Speaker 1: write a business book, not that you can't, but I
Speaker 1: want to wait until I have an eight figure a
Speaker 1: year business. Then I feel like, okay, I've gotten not that,
Speaker 1: like you know, like a you can't have a five
Speaker 1: figure year business and write a business book. But I
Speaker 1: feel like then, because I really want, I want to
Speaker 1: write a business book called do good like you know,
Speaker 1: help good people, do good work, make good money, Like
Speaker 1: how do you do that? That's like, honestly, that's like
Speaker 1: a book that I have in me that I'm not
Speaker 1: writing any time.
Speaker 2: So that's the book do that? You're like, why do
Speaker 2: you need eight figures. Why these arbitrary numbers? I don't know,
Speaker 2: you know, how you have like a like a thing
Speaker 2: seventy ten years ago? Can you imagine eight figures? She's
Speaker 2: probably can I get four figures?
Speaker 1: What exactly? Because I legitimately, I think my first year
Speaker 1: of business made like two thousand dollars. I was like, oh,
Speaker 1: clearly I was living off unemployment. But yeah, no, but
Speaker 1: I do want to write like a business book about that,
Speaker 1: Like how do you do that? How do you run
Speaker 1: a business without you know, being like some terrible person
Speaker 1: and like, you know, and helping good people and giving
Speaker 1: a lot away for free? Like what does that look like?
Speaker 1: To run a profitable business that kind of feels like
Speaker 1: a nonprofit but it's profitable, you know. So yeah, I
Speaker 1: mean I'm still you know, I'm still learning. That's why
Speaker 1: I kind of feel like maybe that's why I said
Speaker 1: eight figures, because I feel like then i'd be like,
Speaker 1: not that I wouldn't be learning anymore, but then I
Speaker 1: would feel like, Okay, because we're multi seven figures now,
Speaker 1: and I really think we'll hit eight figures by next year.
Speaker 1: That's what we're our trajectory is looking like. But I
Speaker 1: feel like that's like a figure that people really take seriously, Like,
Speaker 1: you know, my business makes ten to twenty million dollars
Speaker 1: a year because you know, like everybody you know, when
Speaker 1: I tell them about doing good work, it sounds so
Speaker 1: cool bay yah, But then you're like, oh, well my
Speaker 1: business makes twenty I don't make twenty million dollars a
Speaker 1: year now. But to say like, yeah, it's not just
Speaker 1: coom baya, it works. You can you know, you can
Speaker 1: help people, you can give a lot away for free,
Speaker 1: you cannot overcharge. You can do those things and have
Speaker 1: an eight figure of year business Like that's what. For
Speaker 1: some reason, I just feel like that's like a serious
Speaker 1: business number that folks who might otherwise poo poo at
Speaker 1: like you know, helping people and being good to people,
Speaker 1: would be like, well, you know, I mean, she's got
Speaker 1: a viable business. It's not a small you know, like
Speaker 1: I don't what is it a small do you know,
Speaker 1: like what a small business equal? Like when you're your
Speaker 1: annual income. I wonder what like the threshold is for
Speaker 1: a small business might have more to.
Speaker 2: Do with the number of employees I have. I don't
Speaker 2: really know.
Speaker 1: Well that's true. I think you're writing I.
Speaker 2: Don't know, though, tiff I feel like you start writing
Speaker 2: it now. By the time you get this tenth to
Speaker 2: eight figures, you'll be ready to publish. Perfect timing you. Yeah,
Speaker 2: that's that's the book. I feel like we need general
Speaker 2: personal finance advice. There's plenty of those. You know, what
Speaker 2: can you bring that no one else can bring? And
Speaker 2: you know better than anyone how to start that business
Speaker 2: that does good and makes good money. Yeah, that's the Tiffany.
Speaker 2: That's the Tiffany Magic.
Speaker 1: Ink.
Speaker 2: Yep.
Speaker 1: Okay, well, now it's time to say goodbye to you.
Speaker 1: Searched for it. You know me so well? Like I
Speaker 1: suppose a song we're gonna end with.
Speaker 2: We're doing this podcast in our eighties. We'll be like,
Speaker 2: here we go.
Speaker 1: First, I'm gonna be like, no, it's wait, who are you?
Speaker 1: Who a