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Speaker 1: Hey, b a fan, Welcome, It's twenty twenty five. I

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Speaker 1: don't know what it is about twenty twenty five, but

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Speaker 1: it just smells like money. It just smells like money

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Speaker 1: and possibilities. And I could not be more excited about

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Speaker 1: this new chapter. Well that's a damn lie about a

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Speaker 1: week ago, you know that, like the dark period in

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Speaker 1: between Christmas and New Year and going back to work,

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Speaker 1: when like, I don't know, you're just like you feel

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Speaker 1: shitty because you've been eating way too many cookies and

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Speaker 1: watching way too much trash TV and the kids are

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Speaker 1: running all over and you do not even know who

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Speaker 1: you are anymore except you know you for sure, you're

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Speaker 1: like a pile of trash. And during that little time

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Speaker 1: I was worried. I was like, wait, We've been talking

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Speaker 1: about this new era for Brown Ambition for three months,

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Speaker 1: three four months now, and now I'm actually in it.

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Speaker 1: And I'm like, oh, dang, I got a show up

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Speaker 1: and carry this show on. But I have this saying

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Speaker 1: that you can do hard things, and that's true, but

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Speaker 1: you don't have to do them alone. So I'm just

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Speaker 1: like proud of me for not going into this new

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Speaker 1: chapter alone and for inviting two of my favorite people

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Speaker 1: on the internet streets and irl to join me and

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Speaker 1: be a fan. We're testing out this little, this little

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Speaker 1: new thing, and I want ba fam, I want y'all

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Speaker 1: to tell me how you like it. We got a

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Speaker 1: dude in this dude like that never happens. Do we

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Speaker 1: care what Chris thinks?

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Speaker 2: Do you like the sound of his voice?

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Speaker 1: Like? Do you want to hear from him?

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Speaker 2: I don't know.

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Speaker 1: We're gonna test it out.

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Speaker 2: I don't know Chris.

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Speaker 1: I don't know if we care. I don't know. I

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Speaker 1: don't know if we want the male perspective. But we'll

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Speaker 1: find out. We'll see how we feel.

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Speaker 2: We'll find out.

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Speaker 1: But we have two incredible, incredible co hosts. Today. We

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Speaker 1: got Ya Nellies Finale, Miss be Helpful, and we have

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Speaker 1: Chris Browning of Popcorn Finance and my brother from another

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Speaker 1: mother And welcome to Brown Ambition, y'all. Happy New Year,

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Speaker 1: Happy New Year.

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Speaker 3: I'm really happy you haven't changed because you were insulted

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Speaker 3: me last year and now I insulted me in twenty

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Speaker 3: twenty five. I appreciate it.

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Speaker 2: And will continue.

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Speaker 1: It's my love language. Yan Ellen. You'll know that I

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Speaker 1: love you a lot. No I won't mess with you

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Speaker 1: on lle She's just too You're too perfect.

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Speaker 2: Oh don't guess me up now, All right.

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Speaker 1: Twenty twenty five is here. How are y'all feeling? How

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Speaker 1: is the holiday?

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Speaker 2: It was good?

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Speaker 4: I had like some I don't know, I just feel

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Speaker 4: like I had so much going on, and I forced

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Speaker 4: myself to really take the break. Like I was not

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Speaker 4: checking emails, I was not looking. I was like, nope,

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Speaker 4: I'm I know, because you didn't respond to mine until.

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Speaker 2: Like imun til yesterday.

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Speaker 4: Because I was like, you know what, I'm really not

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Speaker 4: going to do it like I promised myself and I didn't.

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Speaker 2: I didn't.

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Speaker 4: I did a little posting on social media, but that

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Speaker 4: was it. I was like, I'm not checking emails, I'm

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Speaker 4: not taking phone calls, I'm not dropping on zoom. And

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Speaker 4: it was just so nice, you know, because like that's

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Speaker 4: what the break is supposed to be.

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Speaker 2: But we be pushing ourselves.

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Speaker 3: I do.

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Speaker 4: I push myself to what work work all the time.

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Speaker 4: I feel like if I'm resting, I'm not being productive.

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Speaker 2: And I did not fall for that trap.

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Speaker 4: I was really arresting and I was a little sick,

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Speaker 4: but I got recovered through it.

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Speaker 2: Pretty quickly.

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Speaker 4: So I feel like I'm glad that I'm like bouncing

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Speaker 4: back now that I had the chance to actually rest.

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Speaker 1: I'm happy for you because y'all are going to get

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Speaker 1: to know y'all, Nelly. But you're such a burst of

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Speaker 1: sunshine and like energy, and I just and when I

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Speaker 1: meet people like you, I'm like, ooh, I hope she

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Speaker 1: plugs herself in and like really recharges, because it's not

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Speaker 1: easy to be that.

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Speaker 2: It's not but I.

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Speaker 4: Gotta say, you know what I gotta say. People ask

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Speaker 4: me all the time, like, girl, what do you do?

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Speaker 4: Like do you drink coffee? And I don't. I don't

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Speaker 4: drink coffee. I genuinely just wake up in the morning

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Speaker 4: with so much freaking energy and like excitement for the day.

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Speaker 4: And it's funny because my boyfriend is extremely introverted and

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Speaker 4: quiet and calm, and so he wakes up in the

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Speaker 4: morning and he's just like I need like how.

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Speaker 2: Does he dive minutes?

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Speaker 4: And I'll wake up and I'm like, Babe, I gotta

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Speaker 4: tell you about this crazy dream I just had.

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Speaker 2: Oh my goodness.

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Speaker 4: He's like, I just need five minutes, five minutes please,

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Speaker 4: And I'm.

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Speaker 2: Like, no, I gotta tell you right now.

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Speaker 4: Otherwise ever forget So we're it's like total opposites in

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Speaker 4: that way.

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Speaker 2: But no, girl, my energy is always on one hundred.

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Speaker 1: Yeah, but you do need some time to get back

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Speaker 1: to yourself and like recharge. And for those who may

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Speaker 1: not be familiar with you, Nelly, you've been You've both

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Speaker 1: been guests on the show before, but ya, NELLI remind them,

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Speaker 1: remind BA fan quickly, like who you are and what

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Speaker 1: your POV is in the work that you do with.

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Speaker 2: Personal finance of course.

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Speaker 4: So I mean, I'm honored first of all to be

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Speaker 4: on here with y'all, both because I've been watching y'all

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Speaker 4: four years in love y'all.

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Speaker 2: But I started a YouTube channel in twenty fifteen, so.

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Speaker 4: Ten whole years ago now, just as like a little

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Speaker 4: hobby thing. Like on the side, I was really not

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Speaker 4: happy at my job, my full time job that I had,

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Speaker 4: and so YouTube was just like an outlet for me

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Speaker 4: to like go home and have fun and like you know,

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Speaker 4: put myself out there.

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Speaker 2: So I was on a debt repayment journey.

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Speaker 4: I paid off twenty thousand dollars of credit card debt.

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Speaker 4: I was a teacher at the time, I transitioned my

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Speaker 4: career over to financial education and became a full time

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Speaker 4: financial educator, working with a nonprofit that basically promotes financial

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Speaker 4: literacy in schools and specifically trying to get every high

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Speaker 4: school in America to guarantee to make sure that every

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Speaker 4: single student gets access to a full semester course about

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Speaker 4: personal finance before they graduate.

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Speaker 2: And so yeah, I continue to do that.

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Speaker 4: I'm in a part time role now, so on the

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Speaker 4: side of that, I'm doing Misbe Helpful as well, which

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Speaker 4: is my social media platform brand and speaking. And then

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Speaker 4: of course, in twenty twenty three, I published my book

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Speaker 4: Mind Your Money, which was like a massive project.

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Speaker 2: Mandy.

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Speaker 4: I know you're to think of it now, you're in

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Speaker 4: the think of it now, but I'm really glad it's

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Speaker 4: over and just yeah, excited to be pushing that out

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Speaker 4: and making sure that people have relatable voices to hear

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Speaker 4: talking about money and all things finance.

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Speaker 1: And you're just living like the Dinks life, dual income,

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Speaker 1: no kids in Miami. Yeah, they're both so hot, like

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Speaker 1: you and your husband are just like, it's just so

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Speaker 1: pretty there.

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Speaker 2: I don't get me up now.

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Speaker 1: I know you don't need any guess, but I know.

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Speaker 2: Let me give you a figure. Yeah, and your background.

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Speaker 1: You're from New York though, right, I'm.

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Speaker 2: From Brooklyn originally, Yep.

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Speaker 4: I spent my whole life in Brooklyn, and then I

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Speaker 4: spent four using Providence for college.

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Speaker 1: Oh man, I guess I'll let this dude talk.

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Speaker 3: I mean, I don't have to. It's just like I'm

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Speaker 3: listening to a podcast where I get to be on

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Speaker 3: camera for some reason. You know, it's okay.

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Speaker 1: No, I truly like, I love your bud. How's it going? Popcorn?

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Speaker 1: I really do. I'm a fan.

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Speaker 3: Honestly forgot I was on the show. I was like, man,

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Speaker 3: this is a really good episode.

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Speaker 1: Tell the folks about popcorn finance and what all you

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Speaker 1: do that's so important in this world.

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Speaker 3: I do joke off popcorn finance as short form podcast.

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Speaker 3: I've been doing it for about seven years, Nellie. I

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Speaker 3: didn't know. I've I've been watching Ellie and do all

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Speaker 3: the amazing stuff for so long. I didn't know that

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Speaker 3: you've been doing it for ten years on YouTube. That's

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Speaker 3: a long time.

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Speaker 1: Hopefully one day I'll bet twenty two. We needed the

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Speaker 1: youth vote.

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Speaker 3: When I started, just a baby when you started. But

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Speaker 3: I know, I started the show just for fun. It

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Speaker 3: was like kind of like you, and I was like,

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Speaker 3: you know, I kind of wanted to do want to

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Speaker 3: try it out. I was like, at do this podcast thing,

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Speaker 3: Say how it works out. I did the first episodes

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Speaker 3: in the front seat of my car on my phone,

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Speaker 3: this with a notebook on my lunch breaks, and I

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Speaker 3: just organically kept growing and I decided to keep doing

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Speaker 3: even though I want to quit a bunch of times.

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Speaker 3: And it kind of turned just really fun career that

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Speaker 3: I didn't expect that I'd be doing it all. I

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Speaker 3: was working as a bookkeeper and then a financial analyst,

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Speaker 3: and I eventually left my day jab a couple more

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Speaker 3: three years ago at this point now to do this

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Speaker 3: full time. So I do the podcast, I do some

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Speaker 3: writing for Men's Health. I'll do some stuff on the news,

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Speaker 3: some random stuff on video when I get a chance too.

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Speaker 3: Just it's turned a really fun way of teaching something

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Speaker 3: that I think a lot of people need to know

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Speaker 3: about a lot of people that are really scared and

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Speaker 3: uncomfortable to talk about. So I hope that I'm helping

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Speaker 3: people out feel a little more comfortable, a little less

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Speaker 3: scared when it comes to talking about money. But yeah,

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Speaker 3: there's been been a good, good run doing popcorn finance

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Speaker 3: for all this time.

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Speaker 1: I love how different we all are. So I'm suburban

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Speaker 1: mom trying not to be in this with my cheering

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Speaker 1: yan Nellie, your partnered in Miami. And then Chris, are

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Speaker 1: you single? Pringle? What's going on in your life? What's

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Speaker 1: your home life situation like.

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Speaker 3: My homeland situation. I knew, I knew it. I knew it.

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Speaker 3: I've been I've been waiting for this day because I

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Speaker 3: was like, Maddie's gonna jump right into She's gonna give

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Speaker 3: me three and a half seconds to act like she's

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Speaker 3: not gonna ask me this question.

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Speaker 1: If I'm gonna have a dude in the dude, let

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Speaker 1: me just go ahead and answer. Asked the question. Be

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Speaker 1: a fan wants to know. I was like, your beard connects,

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Speaker 1: You're not terribly unfortunate to look at and you are

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Speaker 1: a nice dude. So just let the ladies know what's

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Speaker 1: going on.

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Speaker 3: I am well, I was was married for a long time.

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Speaker 3: Uh single as of last year. Maddie Maddie that she

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Speaker 3: didn't know my story. She knows what's going I haven't

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Speaker 3: talked to you a.

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Speaker 1: Couple of weeks, things could change.

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Speaker 3: She has my whole story.

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Speaker 1: It's a situation in your love life.

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Speaker 3: But I did recently start seeing someone for her and.

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Speaker 1: Then for I wasna say, don't say her name yet.

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Speaker 3: No, no, no, no. She was like, don't say my name.

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Speaker 3: She's like, she's like, you know, she's like, I need

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Speaker 3: people coming for me. Just you can just get me

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Speaker 3: to this, give me to.

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Speaker 1: This way way way, way, way, way way. I don't

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Speaker 1: know if we're like I don't know if it's like

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Speaker 1: one of the boy band people, like when Harry Style

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Speaker 1: starts dating someone in his fans like attack the other person.

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Speaker 1: I don't think this is like no, I just want

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Speaker 1: to bring you down to earth.

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Speaker 3: Oh no no no, I didn't say this.

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Speaker 2: These are not my work, right, she said it. She

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Speaker 2: said I got your back. She said it not you.

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Speaker 1: She here's the ba fam. I don't know, no, no, no, no.

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Speaker 3: She In general, she was like, she was like, you know,

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Speaker 3: because she's a very private person, she's not really on

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Speaker 3: social media like that. So I was like, I get

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Speaker 3: it's like, look, no one's gonna care, no one cares

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Speaker 3: about me like that. You'll be fine. But she was

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Speaker 3: like it's fine. You don't feel you don't have to,

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Speaker 3: so I'll call her b for now. Just keep for

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Speaker 3: sure be uh. It's very new, been a couple of

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Speaker 3: months dating, but it's been nice. It's been a really

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Speaker 3: great person.

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Speaker 1: I'm glad that I had enough time being single Chris's

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Speaker 1: friend and like being aware of it to give you

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Speaker 1: all kinds of funny, useless dating advice and tease you

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Speaker 1: about it. But now that you're boot up, all right,

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Speaker 1: it's fine. The man taken for now, y'all. Okay, so

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Speaker 1: what's your superpower? So, y'all, Nelly, Chris, you know, I'm

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Speaker 1: the negotiation queen. Tiffany was always our business batty. Now

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Speaker 1: I'm kind of holding up that we're all business batties here.

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Speaker 1: But like, what do you love talking about? What's your

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Speaker 1: favorite thing to coach people in? What do people come

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Speaker 1: to you for? Yeah, Nelly, you go first.

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Speaker 4: So for me, it's really much like it's very very

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Speaker 4: much rooted in the beginner stuff around money, you know,

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Speaker 4: like I target younger professional so like you're fresh out

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Speaker 4: of college and you're just starting to wrap your mind

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Speaker 4: around money. You don't have a budget, you probably have

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Speaker 4: some debt, you need to repay. You are just trying

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Speaker 4: to figure out what the heck is a credit score

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Speaker 4: and what is yours? You know, just like I'm a

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Speaker 4: really good intro into money. And then the other piece

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Speaker 4: I would say, like I'd love to talk about for

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Speaker 4: hours and hours an hours, is just you know, financial

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Speaker 4: literacy education in the school system, Why we don't have it,

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Speaker 4: why we need it more of it, And really dedicated

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Speaker 4: my career to making sure that it is in schools

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Speaker 4: because I used to be a teacher and I just

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Speaker 4: remember thinking like, how is it possible that when I

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Speaker 4: was sitting in the student seat, I never got taught

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Speaker 4: financial literacy?

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Speaker 2: And then now I'm a.

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Speaker 4: Teacher, I'm at the front of the classroom and I

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Speaker 4: still don't see any financial literacy in the curriculum. When

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Speaker 4: the hell is this going to change? So yeah, I

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Speaker 4: mean I would say those are my two things, like

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Speaker 4: coming in intro very much like Guide to Money one

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Speaker 4: on one, and then also financial education in schools.

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Speaker 1: Awesome, all right, Chris?

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Speaker 3: Who I say?

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Speaker 4: For me?

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Speaker 3: I think the thing that I feel like I handle

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Speaker 3: well that I do the best is I really like

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Speaker 3: learning about really complicated things and then trying my best

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Speaker 3: to break it down, to make it as simple as possible.

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Speaker 3: I think there's too many people who like to sound

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Speaker 3: real smart by using a bunch of big words, make

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Speaker 3: stuff sound so complicated you get no idea what they're

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Speaker 3: talking about. And to me, that just helps nobody. Like,

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Speaker 3: I don't care if anyone thinks that I'm the smartest

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Speaker 3: person in the room. If I can at least make

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Speaker 3: something sound simple and understandable to people, that's that's the

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Speaker 3: whole point, right, because we all want to understand this,

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Speaker 3: and we all just feel scared and intimidated, and people

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Speaker 3: just throw a bunch of stuff at us that makes

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Speaker 3: no sense at all, one topic.

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Speaker 1: That you love to just like you're just like that

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Speaker 1: guy at the cookout where it's like Jesus Christ, here

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Speaker 1: comes Curtsey. I'm talking about insurance policies. What's your thing?

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Speaker 2: Well, hope we're not insurance.

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Speaker 3: Both, No, it's not insurance policies. I hope I'm not

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Speaker 3: that person. Don't get me started on topalking about like

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Speaker 3: the insurance.

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Speaker 2: People who love insurance, Like, yeah, no.

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Speaker 1: What did you just say say in your voice to

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Speaker 1: men voice?

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Speaker 4: What was it?

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Speaker 3: I was like Federal Reserve on the Federal Reserve. That's

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Speaker 3: I love talking about like reading about it, talking about

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Speaker 3: it interest rates.

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Speaker 4: So like more economic and how that affects your personal finances.

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Speaker 3: Oh yeah, because it's fascinating. It's so broad and it's

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Speaker 3: so complicated. Its ridiculously complicated. But when I can find

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Speaker 3: a little piece and I understand it, I love just

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Speaker 3: like just digging into and talking about it more.

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Speaker 1: That is such a good segue for one of the

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Speaker 1: first things I wanted to talk about, which is Beyonce Bowl.

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Speaker 1: Did you guys watch the Beyonce halftime?

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Speaker 2: Who did not watch it? And why not? That's what

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Speaker 2: I want to know.

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Speaker 1: How many times have you watched it? Because I like

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Speaker 1: to prescribe myself twice a day. That's what I'm getting

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Speaker 1: ready and like once when the kids come home because

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Speaker 1: they like it.

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Speaker 4: I haven't watched it that many times, but I've definitely

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Speaker 4: seen at least two times full and then so many

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Speaker 4: clips and replays on social media that I feel like

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Speaker 4: I don't seen it ten times at this point now

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Speaker 4: because of all the little clips on social But honestly,

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Speaker 4: she killed it.

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Speaker 2: It was amazing.

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Speaker 4: I could watch it ten times and be fine. I

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Speaker 4: would have no problems watching it twice a day, like

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Speaker 4: it was amazing. She's so incredible and like if anybody

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Speaker 4: does not believe she is the best entrepreneur and entrepreneurial

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Speaker 4: performer of our time. Like your bucket, you're tripping, go

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Speaker 4: take a break posted down somewhere.

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Speaker 3: And why it was so crisp. I was like, this

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Speaker 3: is putting every Super Bowl halftime show I seen to shame.

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Speaker 3: I was like, this is a random game in the

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Speaker 3: middle of the year on Netflix, and I was like,

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Speaker 3: this is eight K or something that was like the

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Speaker 3: blew everything else out of the water.

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Speaker 1: I could not tell you who played the game.

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Speaker 2: I couldn't tell you.

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Speaker 1: I was as I knew that it.

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Speaker 2: Was in Texas. I knew that, but we were my family.

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Speaker 4: It was Christmas Day because usually a lot of Latin

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Speaker 4: American countries you celebrate Christmas on Christmas Eve, so my

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Speaker 4: family CELEBRATESYNA. But they're so many of us, so like

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Speaker 4: I have so many siblings, Like trying to get everybody

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Speaker 4: together on the day of the holiday is it's not

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Speaker 4: gonna work right with other schedules. So we always say,

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Speaker 4: like celebrate the actual holiday, now out with like your husbands,

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Speaker 4: your wife, your kids, your partners, and then on Christmas

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Speaker 4: Day we all come together. So we were together on

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Speaker 4: Christmas Day and I'm like, you know, We're having our

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Speaker 4: little drinks or hookto or ponto whatever, and all of

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Speaker 4: a sudden, my sister.

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Speaker 2: Goes, oh his life, they have says on and I

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Speaker 2: drop everything. I dropped stuff on the.

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Speaker 4: Table, just ran over to the other room, and everybody

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Speaker 4: quiets down and we're just like stuck to the screen,

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Speaker 4: like this was so amazing.

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Speaker 2: Everybody, Yes, oh my goodness.

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Speaker 4: And then afterwards, when you see the clips on social

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Speaker 4: you get to see them behind the scenes, the working

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Speaker 4: of it. Yeah, and then it's just even oh my goodness,

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Speaker 4: Like now I'm even more in awe because I saw

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Speaker 4: her like walking ahead, go get her little water, take

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Speaker 4: her at quick break, and then jump right back in

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Speaker 4: and the back behind the scenes stuff, I mean talk

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Speaker 4: about like art and genius Like that was just so brilliant.

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Speaker 2: I love watching those behind the scenes clips.

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Speaker 1: Chris, your thoughts.

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Speaker 3: The greatest live performer of all time? I mean, she

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Speaker 3: might be up to I mean, I guess you put

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Speaker 3: Michael Jackson up there. Of course you guys are, but

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Speaker 3: I mean to be that perfect and crisp, like, no,

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Speaker 3: she's walking up and now to me, when ever someone's

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Speaker 3: walking downstairs on the performance, I'm always like, oh, but

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Speaker 3: she she shouldn't stumble, shouldn't trip, shouldn't mess up. And

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Speaker 3: it's just you know that she if she's out there,

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Speaker 3: she's put in so many hours, and you know that

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Speaker 3: if anyone back behind her is dare instead of doing something,

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Speaker 3: they had to put in a bunch of hours. So

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Speaker 3: she's not gonna let anybody just be up there behind

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Speaker 3: there making her look bad. It was on I mean,

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Speaker 3: and it was the fact that it was like she

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Speaker 3: was on all yeah, horses, you got cars, you got

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Speaker 3: this band coming through. It was I was blown away.

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Speaker 3: I was I remember because my family.

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Speaker 1: You're not yup. I couldn't put the way that I was, like,

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Speaker 1: I can't write this book, you know, and like I'm

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Speaker 1: gonna do this challenge that I wanted to launch at

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Speaker 1: the beginning of the year. I'm gonna get that shit

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Speaker 1: done because she just makes you it's just magical. Thanks God.

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Speaker 1: She's just like the antidote I feel like to women

401
00:16:07,480 --> 00:16:10,360
Speaker 1: of color, just like black women, especially just a walking, living,

402
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Speaker 1: breathing love letter.

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Speaker 4: Yes, and it's true. You know, even I talk to

404
00:16:14,680 --> 00:16:17,360
Speaker 4: students a lot about Beyonce as an entrepreneur because people

405
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Speaker 4: love to talk about, oh but the singing and the

406
00:16:19,520 --> 00:16:22,080
Speaker 4: dancing and da da da, and it's like, listen, don't

407
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Speaker 4: sleep on the fact that she took that Beachella performance

408
00:16:25,360 --> 00:16:28,800
Speaker 4: and turned it into a from a four million dollar performance,

409
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Speaker 4: which people were like shocked that was so low for her.

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Speaker 4: She usually charges way more than that for a live performance.

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Speaker 4: She charged four million dollars to perform at Coachella because

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Speaker 4: there was a clause in the contract that said that

413
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Speaker 4: she would get exclusive rights to all of the footage

414
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Speaker 4: of the Coachella performances on both weekends. And what does

415
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Speaker 4: she go ahead and do turn right around and sell

416
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Speaker 4: that footage.

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Speaker 2: To Netflix for sixty million dollars.

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Speaker 4: So, you know, if people don't understand the entrepreneurial stuff

419
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Speaker 4: happening behind and of course she has a team and

420
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Speaker 4: she has her people, and it's not like she's doing this.

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Speaker 2: All by herself.

422
00:17:00,120 --> 00:17:03,360
Speaker 4: But still for somebody to say anything that about that

423
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Speaker 4: is just to me.

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Speaker 2: I just I don't understand, like it's to.

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Speaker 3: Me, See Mandy, I'm gonnake you Fela, because I'm gonna

426
00:17:09,640 --> 00:17:11,280
Speaker 3: give a complimence that you've been insulting me all day,

427
00:17:11,640 --> 00:17:14,919
Speaker 3: but we're not trying. When I see Mandy, right, you

428
00:17:14,920 --> 00:17:16,600
Speaker 3: have such a great mind, right, because there's so many

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Speaker 3: people who are talented, like you said, like Beyonce very talent,

430
00:17:19,080 --> 00:17:22,800
Speaker 3: obviously extremely talented, Mandy very talented, but they also have

431
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Speaker 3: the mind to turn that into something.

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Speaker 4: Right.

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Speaker 3: I've seen so many people who are good at something

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Speaker 3: who is just a gift. They enjoy it, people enjoy,

435
00:17:28,520 --> 00:17:30,680
Speaker 3: but it's like they don't have that ability to turn

436
00:17:30,720 --> 00:17:33,080
Speaker 3: that into something. And I think that's what separates Beyonce

437
00:17:33,160 --> 00:17:34,760
Speaker 3: from a lot of other people. And Maddy, when I

438
00:17:34,760 --> 00:17:37,399
Speaker 3: see you, you are always thinking about something. You always

439
00:17:37,400 --> 00:17:38,879
Speaker 3: got something to turn it in your mind. You always

440
00:17:38,880 --> 00:17:41,160
Speaker 3: got an idea, and that's what separates.

441
00:17:40,720 --> 00:17:41,520
Speaker 4: You from.

442
00:17:43,560 --> 00:17:43,720
Speaker 3: Good.

443
00:17:43,840 --> 00:17:46,520
Speaker 1: For my dad, honestly, I had to come to Jesus

444
00:17:46,600 --> 00:17:48,560
Speaker 1: moment where I'm like I am my father and my

445
00:17:48,600 --> 00:17:51,600
Speaker 1: father was a used car salesman. He is a great salesman.

446
00:17:51,720 --> 00:17:56,320
Speaker 1: And he's also like he repels traditional work, like he

447
00:17:56,440 --> 00:17:59,560
Speaker 1: just repels having a boss and all that kind of stuff. Anyway,

448
00:17:59,640 --> 00:18:03,520
Speaker 1: Well think I appreciate that, but I really believe in

449
00:18:03,560 --> 00:18:05,000
Speaker 1: that you know I was thinking about sort of like

450
00:18:05,040 --> 00:18:08,199
Speaker 1: twenty twenty five and looking ahead and trying to not

451
00:18:08,320 --> 00:18:12,159
Speaker 1: make traditional resolutions, but just I did think about like

452
00:18:12,440 --> 00:18:15,040
Speaker 1: a vibe or like a tone I wanted to go

453
00:18:15,080 --> 00:18:17,880
Speaker 1: into this year with and like make decisions through because

454
00:18:17,880 --> 00:18:19,960
Speaker 1: I think I kind of lost, like financially I lost.

455
00:18:20,280 --> 00:18:23,119
Speaker 1: I've been pretty like transparent about some of the financial

456
00:18:23,160 --> 00:18:25,760
Speaker 1: struggles that I've had because I've been writing this book

457
00:18:25,800 --> 00:18:27,719
Speaker 1: and taking my foot off the business gas and like

458
00:18:28,240 --> 00:18:30,680
Speaker 1: you know, trying to pause things like and grow, sew

459
00:18:30,760 --> 00:18:34,320
Speaker 1: some seeds or plant some seeds or whatnot. Anyway, and

460
00:18:34,359 --> 00:18:36,520
Speaker 1: I feel like some of the choices I was making

461
00:18:36,560 --> 00:18:39,000
Speaker 1: financially this year were just not as tied to my

462
00:18:39,200 --> 00:18:42,199
Speaker 1: values and to what I enjoy as much. And I

463
00:18:42,200 --> 00:18:45,199
Speaker 1: think as a parent, like you do find yourself giving

464
00:18:45,280 --> 00:18:48,520
Speaker 1: so much for the children and for like what would

465
00:18:48,560 --> 00:18:52,080
Speaker 1: make them happy. And I'm hoping in twenty twenty five,

466
00:18:52,119 --> 00:18:53,679
Speaker 1: I just want to go back to a space of

467
00:18:53,760 --> 00:18:57,160
Speaker 1: like really you know, making financial moves for the lens

468
00:18:57,240 --> 00:18:59,320
Speaker 1: of like what my values are and of course like

469
00:18:59,359 --> 00:19:02,159
Speaker 1: the kids are there, but like long term values of

470
00:19:02,200 --> 00:19:05,080
Speaker 1: like us being free to spend lots of time with

471
00:19:05,119 --> 00:19:07,560
Speaker 1: them when they are older, and like being available to

472
00:19:07,600 --> 00:19:09,399
Speaker 1: help them and be part of their community when they

473
00:19:09,440 --> 00:19:12,199
Speaker 1: are you know, starting their own families or traveling, and

474
00:19:12,240 --> 00:19:15,639
Speaker 1: like I want to be free for them later and

475
00:19:15,720 --> 00:19:19,639
Speaker 1: like so me and creating like experiences with them versus

476
00:19:19,680 --> 00:19:23,360
Speaker 1: like buying stuff. And I'm trying to bring so basically

477
00:19:23,440 --> 00:19:26,440
Speaker 1: like trying to be a lot more selective with how

478
00:19:26,480 --> 00:19:29,480
Speaker 1: I'm spending my money and reminding myself of that long

479
00:19:29,640 --> 00:19:31,800
Speaker 1: I was so good about this before I had kids.

480
00:19:31,880 --> 00:19:35,040
Speaker 1: I was always thinking about old Mandy and like saving

481
00:19:35,040 --> 00:19:38,560
Speaker 1: for retirement and for my early retirement, and like that

482
00:19:38,680 --> 00:19:40,359
Speaker 1: just kind of got lost, and I need to get

483
00:19:41,040 --> 00:19:43,480
Speaker 1: we need to get back to that in twenty twenty five.

484
00:19:43,840 --> 00:19:46,600
Speaker 1: And the other thing is just that community thing. And

485
00:19:46,640 --> 00:19:50,040
Speaker 1: how like you mentioned with Beyonce jan Ellie and I think,

486
00:19:50,200 --> 00:19:52,080
Speaker 1: I mean another thing that we have in me and

487
00:19:52,119 --> 00:19:54,960
Speaker 1: Beyonce have in common because we are, like you said, Chris,

488
00:19:55,040 --> 00:19:57,879
Speaker 1: like you said which I will quote, I am just

489
00:19:57,880 --> 00:20:01,560
Speaker 1: like Beyonce and that I have an incredible mind exactly quick. Also,

490
00:20:02,160 --> 00:20:04,919
Speaker 1: I believe in community so much, and it's one of

491
00:20:04,960 --> 00:20:08,240
Speaker 1: the hardest things to like cultivate for ourselves at a

492
00:20:08,280 --> 00:20:11,320
Speaker 1: certain point, like especially in our thirties, twenty thirties forties,

493
00:20:11,359 --> 00:20:16,480
Speaker 1: like cultivate a community to support you through like rough patches.

494
00:20:16,520 --> 00:20:21,440
Speaker 1: So that is the vibe I'm carrying into twenty twenty five.

495
00:20:23,160 --> 00:20:25,920
Speaker 1: Do you guys have like a financial do you do

496
00:20:25,960 --> 00:20:28,720
Speaker 1: the resolutions? Like? What do you feel like bea faan

497
00:20:28,840 --> 00:20:31,840
Speaker 1: needs to hear as far as like financial goals, career

498
00:20:31,840 --> 00:20:34,200
Speaker 1: goals that they may have heading into this year.

499
00:20:37,720 --> 00:20:43,160
Speaker 4: Anyone, No, go for it, Chris, I want to hear yours.

500
00:20:43,480 --> 00:20:45,399
Speaker 3: Oh well, you gonna be disappointed by manswer. I was going

501
00:20:45,400 --> 00:20:47,720
Speaker 3: to say I'm not really great at making resolutions because

502
00:20:47,720 --> 00:20:49,720
Speaker 3: I feel like I make them, and by February I

503
00:20:49,720 --> 00:20:51,600
Speaker 3: already forgot whatever it was I said I was gonna do.

504
00:20:52,280 --> 00:20:55,119
Speaker 1: So you don't have accountability, but I think.

505
00:20:55,680 --> 00:20:58,159
Speaker 3: I did start doing like an accountability group with a

506
00:20:58,200 --> 00:21:00,000
Speaker 3: couple of friends where we'll get together and we'll talk

507
00:21:00,359 --> 00:21:02,840
Speaker 3: on a monthly basis some things that we want to accomplish,

508
00:21:02,880 --> 00:21:04,399
Speaker 3: and then we'll meet and we'll work together, like on

509
00:21:04,400 --> 00:21:06,800
Speaker 3: a zoom call for a couple of hours every week,

510
00:21:06,960 --> 00:21:08,960
Speaker 3: just to kind of make sure we're all doing something,

511
00:21:09,080 --> 00:21:10,760
Speaker 3: kind of check in with each other because I need

512
00:21:10,800 --> 00:21:12,679
Speaker 3: that if someone doesn't ask me if I'm doing what

513
00:21:12,720 --> 00:21:14,399
Speaker 3: I said I was going to do, I'm probably not

514
00:21:14,440 --> 00:21:14,959
Speaker 3: going to do it.

515
00:21:15,640 --> 00:21:19,000
Speaker 1: So I like, just two people write nothing crazy, Yeah,

516
00:21:19,200 --> 00:21:20,080
Speaker 1: very small.

517
00:21:19,880 --> 00:21:22,840
Speaker 3: Two people, very informal. We get in, we chat a

518
00:21:22,880 --> 00:21:24,280
Speaker 3: little bit like this. It's a good way to keep

519
00:21:24,320 --> 00:21:26,760
Speaker 3: saying contact with friends too. But then also we work

520
00:21:26,800 --> 00:21:28,679
Speaker 3: together and it kind of makes us all feel motivated

521
00:21:28,680 --> 00:21:30,639
Speaker 3: because when you see somebody else working, it makes you

522
00:21:30,680 --> 00:21:32,000
Speaker 3: want to do something like, well, I don't want to

523
00:21:32,000 --> 00:21:34,720
Speaker 3: be left behind. And we actually have a meeting next week.

524
00:21:34,720 --> 00:21:35,960
Speaker 3: We'll do our first one other ye where we're going

525
00:21:36,040 --> 00:21:37,680
Speaker 3: to go through and talk through what we want to

526
00:21:37,720 --> 00:21:39,399
Speaker 3: do for the year, and even if we try to

527
00:21:39,440 --> 00:21:40,879
Speaker 3: keep it small like do like a month at a

528
00:21:40,880 --> 00:21:42,879
Speaker 3: time like opining, but we also going to maybe have

529
00:21:42,880 --> 00:21:44,960
Speaker 3: a handful of things that we want to do for

530
00:21:45,000 --> 00:21:47,480
Speaker 3: twenty twenty five. And I think it's making me think

531
00:21:47,480 --> 00:21:49,800
Speaker 3: about it now. I'm ready for next week. But also

532
00:21:49,840 --> 00:21:52,120
Speaker 3: it's like, you know, I'm looking forward to it versus

533
00:21:52,160 --> 00:21:55,400
Speaker 3: normally I throw together some really weak resolutions that I'm

534
00:21:55,440 --> 00:21:57,000
Speaker 3: not going to care about in a couple of months.

535
00:21:57,000 --> 00:21:58,480
Speaker 3: So now that's what I'm doing this year.

536
00:21:58,640 --> 00:22:00,639
Speaker 1: I think as a guy like I want more guys

537
00:22:00,680 --> 00:22:03,760
Speaker 1: to be finding that community for themselves. Like I don't

538
00:22:03,800 --> 00:22:05,679
Speaker 1: know if that's something that just like comes, Are you

539
00:22:05,760 --> 00:22:07,960
Speaker 1: just more of a connector like that? Because I just

540
00:22:07,960 --> 00:22:11,840
Speaker 1: feel like older, especially when you're older as a man,

541
00:22:11,920 --> 00:22:13,920
Speaker 1: and I'm not trying to speak for an entire gender

542
00:22:14,000 --> 00:22:16,840
Speaker 1: but as women do I can. I can give you

543
00:22:16,880 --> 00:22:20,159
Speaker 1: some highlights of my opinion, but like there is this

544
00:22:20,240 --> 00:22:23,399
Speaker 1: like loneliness and the The other day one of my

545
00:22:23,400 --> 00:22:24,760
Speaker 1: guy friends was like, you know, I kind of feel

546
00:22:24,760 --> 00:22:26,479
Speaker 1: like I almost forgot how to be a friend when

547
00:22:26,520 --> 00:22:30,240
Speaker 1: there wasn't the structure of like school or common workplace

548
00:22:30,320 --> 00:22:33,200
Speaker 1: and anyway. So I love that you said that. I'm

549
00:22:33,240 --> 00:22:35,440
Speaker 1: just wondering what your take is on like just guys

550
00:22:35,480 --> 00:22:38,480
Speaker 1: in general finding those connections if they feel like they've

551
00:22:38,600 --> 00:22:39,440
Speaker 1: lost them.

552
00:22:40,040 --> 00:22:41,879
Speaker 3: I remember Mandy asked me this when I came and

553
00:22:41,920 --> 00:22:45,000
Speaker 3: help you in Tiffany with the Brown Ambition Live show

554
00:22:45,240 --> 00:22:47,680
Speaker 3: last year. Game what you were like, Chris, I hear,

555
00:22:47,680 --> 00:22:48,520
Speaker 3: men are really lonely.

556
00:22:48,600 --> 00:22:52,399
Speaker 1: I'm like, what did I say that that sounds like?

557
00:22:54,760 --> 00:22:56,920
Speaker 3: And I was like, I guess, but I will say

558
00:22:56,920 --> 00:23:00,640
Speaker 3: it's sad, Chris. I was just talking to someone because

559
00:23:00,640 --> 00:23:02,919
Speaker 3: these two people do the accountability thing with their women.

560
00:23:03,359 --> 00:23:04,800
Speaker 3: So and I've told.

561
00:23:04,600 --> 00:23:07,800
Speaker 1: Them, okay, okay, men, you do have a lot of girlfriends.

562
00:23:07,840 --> 00:23:09,080
Speaker 1: I said, that was pretty suss.

563
00:23:09,880 --> 00:23:12,520
Speaker 3: Yeah, look, I got an equal divide. I think it's

564
00:23:12,520 --> 00:23:14,840
Speaker 3: probably fifty to fifty men and women who are friends

565
00:23:14,880 --> 00:23:17,640
Speaker 3: who are friends with But what I find is that

566
00:23:18,280 --> 00:23:20,000
Speaker 3: men with the friendships I have with man now, like

567
00:23:20,040 --> 00:23:22,000
Speaker 3: long ones I've known since i was like really young,

568
00:23:22,520 --> 00:23:24,800
Speaker 3: even these people I've known for decades, A lot of

569
00:23:24,840 --> 00:23:27,560
Speaker 3: times you it stays very surface level, like you you

570
00:23:27,560 --> 00:23:29,359
Speaker 3: you talk about like what you're doing in the moment,

571
00:23:29,400 --> 00:23:32,280
Speaker 3: maybe with sports, maybe a movie like It's You don't

572
00:23:32,359 --> 00:23:35,520
Speaker 3: dive deep into emotions, where I find oftentimes my friendships

573
00:23:35,520 --> 00:23:37,919
Speaker 3: with women are more fulfilling because they're gonna be like, well,

574
00:23:37,960 --> 00:23:40,280
Speaker 3: how are you really doing? And my guy friends almost

575
00:23:40,440 --> 00:23:42,600
Speaker 3: never asked me that question because you're almost like, I

576
00:23:42,600 --> 00:23:44,280
Speaker 3: don't want to bug them. Man, we know you get

577
00:23:44,280 --> 00:23:46,120
Speaker 3: into that. So you end up with these very light

578
00:23:47,040 --> 00:23:50,919
Speaker 3: interactions with men and more deep conversations with women. I find,

579
00:23:51,359 --> 00:23:53,320
Speaker 3: and I think that's probably why, at least to the

580
00:23:53,320 --> 00:23:55,920
Speaker 3: male kind of loneliness epidemic they talk about, because I

581
00:23:55,960 --> 00:23:59,000
Speaker 3: think men have friends, but we oftentimes don't get into

582
00:23:59,000 --> 00:24:01,200
Speaker 3: like deep stuff that you do don't want to talk about,

583
00:24:01,680 --> 00:24:03,240
Speaker 3: but you don't you're not gonna, we don't want to

584
00:24:03,240 --> 00:24:05,240
Speaker 3: bring it up, So you're just gonna like not talk

585
00:24:05,280 --> 00:24:07,199
Speaker 3: about the things that you out they're probably bothering you

586
00:24:07,240 --> 00:24:08,359
Speaker 3: that you really want to talk about.

587
00:24:08,520 --> 00:24:10,239
Speaker 1: Well, we can't be telling everybody, all the men out

588
00:24:10,240 --> 00:24:11,840
Speaker 1: there to go get some more friends who are girls

589
00:24:11,840 --> 00:24:13,840
Speaker 1: because of the girlfriends and wives, like some people are

590
00:24:13,880 --> 00:24:14,200
Speaker 1: not cool.

591
00:24:14,200 --> 00:24:16,520
Speaker 3: Oh no, no, right, no, go to therapy.

592
00:24:16,800 --> 00:24:21,960
Speaker 1: Yeah yeah, they're very involved, dude. But I just I

593
00:24:22,000 --> 00:24:24,000
Speaker 1: think it's worth talking about. And I think as like,

594
00:24:24,560 --> 00:24:27,760
Speaker 1: just as we move through this year having good examples

595
00:24:27,880 --> 00:24:29,520
Speaker 1: of men, like I feel like we need to see

596
00:24:29,680 --> 00:24:32,160
Speaker 1: more men talking to each other about those deep subjects

597
00:24:32,160 --> 00:24:34,440
Speaker 1: because there's something about I think talking to someone who

598
00:24:34,480 --> 00:24:37,400
Speaker 1: really gets you the way that you know, women are

599
00:24:37,400 --> 00:24:40,320
Speaker 1: not going to understand full of your experience, like you know,

600
00:24:40,359 --> 00:24:42,560
Speaker 1: and I feel that way about my girlfriends, and I

601
00:24:42,600 --> 00:24:45,440
Speaker 1: just kind of like want that for guys as well.

602
00:24:46,119 --> 00:24:47,960
Speaker 3: Yeah, you gotta. I try to do with my friends.

603
00:24:48,080 --> 00:24:50,000
Speaker 3: I try to like push them to talk about some

604
00:24:50,080 --> 00:24:51,880
Speaker 3: things every now and then, just to just to get them,

605
00:24:51,920 --> 00:24:54,440
Speaker 3: make them a little uncomfortable and out for what's really

606
00:24:54,440 --> 00:24:56,639
Speaker 3: going on in their head. And oftentimes they're receptive to

607
00:24:56,640 --> 00:24:59,159
Speaker 3: it. It's just that we don't We're not. It's not ingrained

608
00:24:59,160 --> 00:25:00,679
Speaker 3: in us to have I have with those type of

609
00:25:00,680 --> 00:25:02,240
Speaker 3: conversations are initiated with each other.

610
00:25:02,320 --> 00:25:04,400
Speaker 1: Well, maybe don't start talking about the FED so much

611
00:25:04,440 --> 00:25:06,400
Speaker 1: and then open appability.

612
00:25:07,000 --> 00:25:09,840
Speaker 3: I'll try. It's hard though, all.

613
00:25:09,800 --> 00:25:12,000
Speaker 1: Ryan, Ellie, what about you boo? And it's cool if

614
00:25:12,040 --> 00:25:13,600
Speaker 1: you have nothing, like if you're just like, I don't know,

615
00:25:13,640 --> 00:25:16,320
Speaker 1: it's another year. We're not doing that, No, you know what.

616
00:25:16,520 --> 00:25:19,159
Speaker 4: I I was looking at my net worth and I

617
00:25:19,200 --> 00:25:20,680
Speaker 4: was like, do I want to set a networth goal?

618
00:25:21,080 --> 00:25:23,800
Speaker 4: I'm so I there was an article written about me. Oh,

619
00:25:23,920 --> 00:25:25,159
Speaker 4: I think, I want to say it was maybe like

620
00:25:25,200 --> 00:25:26,439
Speaker 4: twenty eighteen around there.

621
00:25:26,480 --> 00:25:27,720
Speaker 2: I don't know you I'll.

622
00:25:27,560 --> 00:25:29,399
Speaker 4: Pull it up if you want, but it was it

623
00:25:29,440 --> 00:25:32,320
Speaker 4: was from It was an article that talked about like

624
00:25:32,359 --> 00:25:35,720
Speaker 4: my net worth. I was in my twenties and I

625
00:25:35,760 --> 00:25:38,399
Speaker 4: had like fifty thousand dollars of savings. Now at that

626
00:25:38,520 --> 00:25:42,960
Speaker 4: time that was huge because my brokeass. I mean, I

627
00:25:43,040 --> 00:25:44,800
Speaker 4: come from a family where like if you have five

628
00:25:44,880 --> 00:25:48,600
Speaker 4: hundred dollars you rich. So to have fifty thousand dollars

629
00:25:48,640 --> 00:25:51,159
Speaker 4: that was all mine, like and it was all liquid,

630
00:25:51,200 --> 00:25:52,679
Speaker 4: like it was just my cash savings, like I had

631
00:25:52,720 --> 00:25:54,879
Speaker 4: done such a good job of like just saving up

632
00:25:54,880 --> 00:25:56,720
Speaker 4: to cash saving cash. Now a lot of it was

633
00:25:56,800 --> 00:26:00,480
Speaker 4: in like a brokerage account and stuff, but that number was.

634
00:26:00,400 --> 00:26:01,280
Speaker 2: Like a big deal to me.

635
00:26:01,880 --> 00:26:04,520
Speaker 4: And then like I want to say, like three years

636
00:26:04,600 --> 00:26:06,840
Speaker 4: later or like, yeah, it was around like you have

637
00:26:06,880 --> 00:26:08,720
Speaker 4: to COVI, so like twenty twenty one ish, So maybe

638
00:26:08,720 --> 00:26:11,720
Speaker 4: three four years after that article came out, I looked

639
00:26:11,760 --> 00:26:13,879
Speaker 4: at my networks and it was over five hundred K,

640
00:26:14,560 --> 00:26:18,040
Speaker 4: and I was like, WHOA, Like three four years ago

641
00:26:18,920 --> 00:26:21,160
Speaker 4: I had to pull together all my statements to show

642
00:26:21,200 --> 00:26:23,240
Speaker 4: evidence to this article, to the people from this article

643
00:26:23,240 --> 00:26:26,920
Speaker 4: that I had fifty K. And now just three four

644
00:26:27,000 --> 00:26:30,480
Speaker 4: years later, we're ten x my network And that was

645
00:26:30,480 --> 00:26:31,280
Speaker 4: so huge to me.

646
00:26:31,400 --> 00:26:34,040
Speaker 2: But I didn't necessarily set a goal to do that.

647
00:26:34,160 --> 00:26:36,640
Speaker 4: I was just like I was really on my game

648
00:26:36,640 --> 00:26:39,160
Speaker 4: when it came to like my investments and maxing out

649
00:26:39,160 --> 00:26:41,639
Speaker 4: this account and that account. Like I was really not

650
00:26:41,680 --> 00:26:45,520
Speaker 4: necessarily frugal, but I was really intentional with my lifestyle

651
00:26:45,560 --> 00:26:47,200
Speaker 4: so that I could put as much money towards my

652
00:26:47,240 --> 00:26:49,280
Speaker 4: investment accounts. And of course we've had a good run

653
00:26:49,280 --> 00:26:50,920
Speaker 4: of the stock market for the past couple of years,

654
00:26:51,280 --> 00:26:53,000
Speaker 4: so that has definitely helped.

655
00:26:53,320 --> 00:26:55,640
Speaker 2: But so that was a huge accomplishment.

656
00:26:55,680 --> 00:26:57,439
Speaker 4: Now this year, I looked at it again and I'm like,

657
00:26:58,119 --> 00:26:59,920
Speaker 4: I really want to set a net worth goal.

658
00:27:00,200 --> 00:27:00,360
Speaker 2: Now.

659
00:27:00,400 --> 00:27:02,480
Speaker 4: The reason why I don't really want to do it

660
00:27:02,520 --> 00:27:04,040
Speaker 4: is because I feel like, if I do it, I'm

661
00:27:04,040 --> 00:27:05,359
Speaker 4: going to I want to want to share it, right,

662
00:27:05,359 --> 00:27:06,760
Speaker 4: and I want to talk about my goals and stuff,

663
00:27:06,840 --> 00:27:09,520
Speaker 4: but I'm not sure I want to share like if

664
00:27:09,520 --> 00:27:11,760
Speaker 4: slash when I crossed that million dollars, Like I don't know,

665
00:27:11,800 --> 00:27:13,200
Speaker 4: because you know how this tiktoks back.

666
00:27:13,240 --> 00:27:14,600
Speaker 2: I'm a thirty five year old millionaire.

667
00:27:15,320 --> 00:27:19,479
Speaker 1: You really don't have to something about the internet, especially

668
00:27:19,560 --> 00:27:21,720
Speaker 1: like being a financial creator makes you feel like you

669
00:27:21,760 --> 00:27:23,159
Speaker 1: got to put all your business out there all the.

670
00:27:23,200 --> 00:27:26,560
Speaker 4: Time, sane, and that's the pressure I felt like I was.

671
00:27:26,720 --> 00:27:27,640
Speaker 2: I feel this.

672
00:27:27,640 --> 00:27:31,280
Speaker 4: Pressure like I I'm wanting or I feel like I'm

673
00:27:31,320 --> 00:27:34,000
Speaker 4: wanting to post content about you know, when I hit

674
00:27:34,000 --> 00:27:35,560
Speaker 4: my million, when I'm so close, I'm here and there's

675
00:27:35,560 --> 00:27:37,560
Speaker 4: where I am in relation and like, but do I

676
00:27:37,600 --> 00:27:39,639
Speaker 4: really want to do that because there's some you know,

677
00:27:40,000 --> 00:27:43,120
Speaker 4: some bad apples and bad players, and I'm like, don't

678
00:27:43,119 --> 00:27:44,400
Speaker 4: really want everybody having.

679
00:27:44,440 --> 00:27:46,119
Speaker 2: Access to that information about me.

680
00:27:46,720 --> 00:27:49,399
Speaker 4: So that's been more on my headspace more so, like

681
00:27:49,440 --> 00:27:51,159
Speaker 4: do I really need to set a goal around my

682
00:27:51,160 --> 00:27:51,959
Speaker 4: financial network?

683
00:27:52,160 --> 00:27:53,919
Speaker 2: Can I just like keep tracking it the way.

684
00:27:53,760 --> 00:27:55,200
Speaker 4: I have been and like when I hit my goal,

685
00:27:55,320 --> 00:27:57,080
Speaker 4: kind of have my own celebration and not put it

686
00:27:57,080 --> 00:27:59,639
Speaker 4: out there on blast for everybody. But I mean, I

687
00:28:00,240 --> 00:28:02,640
Speaker 4: everybody already knows I crossed the half a million dollar.

688
00:28:02,440 --> 00:28:04,120
Speaker 2: Mark, so there's that.

689
00:28:04,320 --> 00:28:06,199
Speaker 4: But you know, again, it just feels to me like

690
00:28:06,240 --> 00:28:08,160
Speaker 4: we all work so hard for the million or the millions,

691
00:28:08,200 --> 00:28:11,000
Speaker 4: and it's like I'm thinking now that maybe it doesn't

692
00:28:11,000 --> 00:28:12,639
Speaker 4: make sense for me to go so public with that

693
00:28:12,680 --> 00:28:15,639
Speaker 4: on my platform into like cause it doesn't really matter.

694
00:28:15,760 --> 00:28:17,320
Speaker 4: And it feels to me a little bit like I'm

695
00:28:17,440 --> 00:28:19,400
Speaker 4: bragging to everybody that I made a million and then

696
00:28:19,400 --> 00:28:23,280
Speaker 4: why versus like what I'm doing is what matters in

697
00:28:23,320 --> 00:28:25,399
Speaker 4: the strategies and like the knowledge and the books that

698
00:28:25,400 --> 00:28:27,520
Speaker 4: help me get there in the podcast, and that sharing

699
00:28:27,680 --> 00:28:31,200
Speaker 4: resources rather than showing like telling you my credit score

700
00:28:31,400 --> 00:28:33,280
Speaker 4: doesn't do anything for you. But if I tell you

701
00:28:33,320 --> 00:28:35,119
Speaker 4: what I did to improve my credit score, you can

702
00:28:35,160 --> 00:28:37,000
Speaker 4: do the same and that helps you. So I'm trying

703
00:28:37,000 --> 00:28:39,800
Speaker 4: to decide for my brand in general, like in the

704
00:28:39,840 --> 00:28:42,840
Speaker 4: work that I'm doing, how do I push more resources

705
00:28:42,840 --> 00:28:46,280
Speaker 4: and strategies and information that is actionable and not just

706
00:28:46,680 --> 00:28:49,520
Speaker 4: you know, flaunting these stats and figures and numbers. So

707
00:28:49,560 --> 00:28:51,480
Speaker 4: that doesn't necessarily feel to me like it's really serving

708
00:28:51,480 --> 00:28:53,280
Speaker 4: anybody built myself and my big old ego.

709
00:28:54,240 --> 00:28:57,040
Speaker 1: Yeah, I mean it's definitely like a building authority and trust, right,

710
00:28:57,120 --> 00:28:59,280
Speaker 1: so you can show like proof of concept. But I

711
00:28:59,320 --> 00:29:01,520
Speaker 1: get what you're saying, and I think I think as

712
00:29:01,560 --> 00:29:03,560
Speaker 1: creators there are no rules. I think you just do

713
00:29:03,640 --> 00:29:06,480
Speaker 1: whatever you feel comfortable doing. And everyone's an individual. And

714
00:29:06,960 --> 00:29:09,600
Speaker 1: that's where I need to stop. Like when I go

715
00:29:09,640 --> 00:29:12,000
Speaker 1: on Instagram or TikTok, I find that I just feel

716
00:29:12,000 --> 00:29:14,719
Speaker 1: worse or I'll start to feel like bad or just

717
00:29:14,720 --> 00:29:17,360
Speaker 1: like a general like malaise kind of descends upon me

718
00:29:17,720 --> 00:29:20,480
Speaker 1: and I just kind of try not to. And it's

719
00:29:20,520 --> 00:29:24,520
Speaker 1: not necessarily anything is so negative. It's just I start

720
00:29:24,560 --> 00:29:28,920
Speaker 1: to question and think and consider other ways of doing things,

721
00:29:28,920 --> 00:29:31,960
Speaker 1: and I kind of you kind of lose sight of like, Okay,

722
00:29:32,080 --> 00:29:34,160
Speaker 1: what actually is grounded and who I am and what

723
00:29:34,240 --> 00:29:36,040
Speaker 1: I value and like what I want to put out

724
00:29:36,040 --> 00:29:38,680
Speaker 1: into the world, and I like it. It's also about

725
00:29:38,800 --> 00:29:41,520
Speaker 1: for me. This The word that I kind of went

726
00:29:41,560 --> 00:29:44,720
Speaker 1: into the past week was with over the past two

727
00:29:44,720 --> 00:29:48,760
Speaker 1: weeks was execute, Execute, Execute, like get off of the

728
00:29:48,840 --> 00:29:52,800
Speaker 1: distractions and just make some shit happen. Because I was stressed.

729
00:29:52,880 --> 00:29:56,120
Speaker 1: I was overwhelmed. I had this big book deadline. Dude,

730
00:29:56,160 --> 00:30:01,280
Speaker 1: I had three chapters that were due December thirty. First,

731
00:30:01,360 --> 00:30:04,480
Speaker 1: I want to say when yeah, I remember something like that. Yeah,

732
00:30:04,520 --> 00:30:07,160
Speaker 1: And I started waking up at four and just getting

733
00:30:07,160 --> 00:30:09,960
Speaker 1: shit done. I was like, I, it's you know, I

734
00:30:10,000 --> 00:30:12,160
Speaker 1: believe in the rest over the break, but I also

735
00:30:12,280 --> 00:30:14,880
Speaker 1: really believe in this book too, And I'm like, and

736
00:30:14,920 --> 00:30:17,520
Speaker 1: then I started to look forward to that time. And

737
00:30:17,560 --> 00:30:20,400
Speaker 1: then one of the things that I have been thinking

738
00:30:20,400 --> 00:30:22,800
Speaker 1: about doing for many years in a row is doing

739
00:30:22,840 --> 00:30:27,120
Speaker 1: like some sort of challenge in January for my community,

740
00:30:27,160 --> 00:30:32,000
Speaker 1: for BA FAM and actually creating like a structured, like

741
00:30:32,160 --> 00:30:36,840
Speaker 1: contained within like a certain number of days, action based

742
00:30:37,160 --> 00:30:40,800
Speaker 1: challenge where you're gonna be and it's all about execution,

743
00:30:41,040 --> 00:30:43,440
Speaker 1: Like here's our goal. Each day, We're gonna have this

744
00:30:43,480 --> 00:30:45,320
Speaker 1: little lesson. I'm doing this so that it's called the

745
00:30:45,360 --> 00:30:49,400
Speaker 1: Career Reboot Challenge, And to even get the challenge off

746
00:30:49,440 --> 00:30:52,680
Speaker 1: the ground. Executing the challenge, I had to really put

747
00:30:52,720 --> 00:30:54,960
Speaker 1: my mindset. I was like, put the shit down. It

748
00:30:54,960 --> 00:30:58,360
Speaker 1: doesn't have to be perfect, but like build it, build it,

749
00:30:58,400 --> 00:31:01,040
Speaker 1: and get it out because you know that your community

750
00:31:01,120 --> 00:31:03,400
Speaker 1: needs this and wants this, and you're gonna have to

751
00:31:03,680 --> 00:31:06,520
Speaker 1: say no to a lot of stuff. And getting into

752
00:31:06,560 --> 00:31:11,080
Speaker 1: that zone is I think one of the one of

753
00:31:11,120 --> 00:31:15,400
Speaker 1: the biggest reasons why people are entrepreneurs and actually like

754
00:31:15,800 --> 00:31:17,880
Speaker 1: execute what they say they're going to execute and like

755
00:31:18,480 --> 00:31:20,960
Speaker 1: why and hey. For a couple of years now in

756
00:31:20,960 --> 00:31:22,320
Speaker 1: a row, I've been like, oh, I wish I would

757
00:31:22,360 --> 00:31:23,920
Speaker 1: have done, but this is a year I was like,

758
00:31:23,960 --> 00:31:27,200
Speaker 1: you know what, remove the distractions, put a timer on,

759
00:31:27,480 --> 00:31:31,280
Speaker 1: get an accountability buddy. Shout out to Nikayla from side

760
00:31:31,320 --> 00:31:34,719
Speaker 1: puszle Pro. We've been like supporting each other, texting like

761
00:31:35,080 --> 00:31:36,959
Speaker 1: and I know I wouldn't have done as much as

762
00:31:37,000 --> 00:31:40,320
Speaker 1: I've have gotten done had I not had Nikaela to

763
00:31:40,400 --> 00:31:44,200
Speaker 1: like check in with, cheer me on, you know, talk

764
00:31:44,240 --> 00:31:45,920
Speaker 1: me down when I started to doubt myself.

765
00:31:46,520 --> 00:31:48,080
Speaker 2: I love that I love that, Nat.

766
00:31:48,120 --> 00:31:51,600
Speaker 3: See, that's what I struggle with. I'm always like, well,

767
00:31:51,920 --> 00:31:53,000
Speaker 3: I don't know if I'm gonna be able to do

768
00:31:53,000 --> 00:31:54,440
Speaker 3: this the way I want it to be done, or

769
00:31:54,480 --> 00:31:56,960
Speaker 3: oh it could be better. I think we could be

770
00:31:57,000 --> 00:31:59,720
Speaker 3: all worst critics. And I'm a horrible critic for myself,

771
00:31:59,720 --> 00:32:01,840
Speaker 3: and that's my struggle. But I need to hear that

772
00:32:01,880 --> 00:32:06,880
Speaker 3: because yeah, you're really self critical. Oh it's ridiculous, it's

773
00:32:06,880 --> 00:32:09,320
Speaker 3: pretty bad. Again, I'm going to vote for therapy, get

774
00:32:09,320 --> 00:32:10,360
Speaker 3: in there and work on that stuff.

775
00:32:10,360 --> 00:32:12,440
Speaker 1: But yeah, when it comes to your business, do you

776
00:32:12,440 --> 00:32:15,240
Speaker 1: find yourself like, what do you what do you like?

777
00:32:15,360 --> 00:32:16,560
Speaker 1: What do you picking on yourself for?

778
00:32:17,160 --> 00:32:20,560
Speaker 3: Oh? It's always like for me, I have too high

779
00:32:20,680 --> 00:32:22,920
Speaker 3: standards for some reason of what I think what I

780
00:32:22,960 --> 00:32:26,040
Speaker 3: do should look like, like I'm I'm a full on

781
00:32:26,120 --> 00:32:28,040
Speaker 3: production company or something like, Oh, it's got to look

782
00:32:28,040 --> 00:32:29,640
Speaker 3: a certain way. It's got to be I got to

783
00:32:29,640 --> 00:32:31,840
Speaker 3: go through several iterations of a script to really nail

784
00:32:31,880 --> 00:32:33,480
Speaker 3: it down. Oh, this was an interesting It was more

785
00:32:33,480 --> 00:32:36,360
Speaker 3: like I'm over before I even attempt to make it,

786
00:32:36,560 --> 00:32:39,840
Speaker 3: I've already shot it down because it's this the amount

787
00:32:39,880 --> 00:32:41,080
Speaker 3: of time I would need to get this to be

788
00:32:41,120 --> 00:32:43,600
Speaker 3: what it needs to be. It's ridiculous. It's for your podcast,

789
00:32:43,800 --> 00:32:46,080
Speaker 3: oh yeah, for the podcast. And when I've been wanting

790
00:32:46,080 --> 00:32:48,560
Speaker 3: to do more YouTube, do more, be more consistent on

791
00:32:48,600 --> 00:32:51,600
Speaker 3: social media, and I'm always like, I just like cut

792
00:32:51,680 --> 00:32:53,520
Speaker 3: myself down before I even get there because I'm like,

793
00:32:54,040 --> 00:32:55,400
Speaker 3: it's it's not gonna be good enough.

794
00:32:55,440 --> 00:32:58,240
Speaker 4: And even tho I've been doing, critiquet you old critique it,

795
00:32:58,320 --> 00:33:00,640
Speaker 4: like your critiquing is fine. Let's look, we all need

796
00:33:00,640 --> 00:33:02,280
Speaker 4: to look at our work and give it a fair critique.

797
00:33:02,280 --> 00:33:03,760
Speaker 4: Like all right, let me be real, like this could

798
00:33:03,760 --> 00:33:05,920
Speaker 4: be a little better. But a little better is different

799
00:33:05,920 --> 00:33:08,040
Speaker 4: from I need to do this here or this they're

800
00:33:08,080 --> 00:33:09,600
Speaker 4: they're they're like it's too.

801
00:33:09,520 --> 00:33:10,120
Speaker 2: Much, you know.

802
00:33:10,320 --> 00:33:12,760
Speaker 4: And and for me, at least, I needed that that quote.

803
00:33:12,800 --> 00:33:15,040
Speaker 4: If I see it every day, it lives with me.

804
00:33:15,080 --> 00:33:16,160
Speaker 2: It sticks with me.

805
00:33:16,200 --> 00:33:18,320
Speaker 4: It's in my mind, like you know, perfect is the

806
00:33:18,480 --> 00:33:20,040
Speaker 4: enemy of done. I'm never gonna get it done. And

807
00:33:20,040 --> 00:33:21,640
Speaker 4: not only that, I want to get it done. I

808
00:33:21,680 --> 00:33:23,960
Speaker 4: want it to exist like I want it to exist

809
00:33:24,000 --> 00:33:25,600
Speaker 4: and I want other people to experience it.

810
00:33:25,720 --> 00:33:27,600
Speaker 2: So I'm gonna give that to you, Chris. That's my

811
00:33:27,680 --> 00:33:28,320
Speaker 2: gift for you.

812
00:33:28,520 --> 00:33:30,520
Speaker 1: Yeah, buddy, thank you. You got to put some stuff

813
00:33:30,520 --> 00:33:33,840
Speaker 1: out there. What's your YouTube channels? The popcorn finance it is?

814
00:33:33,680 --> 00:33:36,920
Speaker 1: It is looking because I know people's all right, that's right.

815
00:33:37,040 --> 00:33:39,360
Speaker 1: I think that you have like yeah, I think that

816
00:33:39,400 --> 00:33:40,960
Speaker 1: you definitely need to be creating more content. And I

817
00:33:41,040 --> 00:33:45,480
Speaker 1: also feel like I I was gonna say, if you

818
00:33:45,600 --> 00:33:49,720
Speaker 1: look go to anyone's like any big YouTube personality, like

819
00:33:49,800 --> 00:33:54,000
Speaker 1: if you go to their first videos, they're always hilarious, terrible,

820
00:33:54,080 --> 00:33:55,920
Speaker 1: and also like at the time, you may think it

821
00:33:55,960 --> 00:33:57,800
Speaker 1: looks good, but like you know, you five years in

822
00:33:57,840 --> 00:34:01,320
Speaker 1: the future, but I just feel like setting that regular cadence,

823
00:34:01,360 --> 00:34:03,800
Speaker 1: you have to be creating some content to get out there.

824
00:34:04,280 --> 00:34:06,400
Speaker 1: And one thing that helps me when it comes to

825
00:34:07,000 --> 00:34:12,000
Speaker 1: overanalyzing some things is using like a chat GPT or

826
00:34:12,080 --> 00:34:14,520
Speaker 1: I also have this AI tool called Jasper, which is

827
00:34:14,560 --> 00:34:17,840
Speaker 1: more for like marketing stuff, and they can help me

828
00:34:18,520 --> 00:34:21,360
Speaker 1: just get something on the page in terms of like

829
00:34:21,640 --> 00:34:25,719
Speaker 1: if it's captions or if it's like an idea for

830
00:34:25,800 --> 00:34:28,400
Speaker 1: an email or like you said, a script, Chris, Like

831
00:34:28,920 --> 00:34:30,960
Speaker 1: you could put in like a blog post that you've

832
00:34:30,960 --> 00:34:33,840
Speaker 1: written or an article that you've written or whatever, and

833
00:34:33,920 --> 00:34:36,000
Speaker 1: then say, you know, could you help me come up

834
00:34:36,000 --> 00:34:38,759
Speaker 1: with a quick script for a YouTube video based on

835
00:34:38,840 --> 00:34:42,560
Speaker 1: this or in like it can help you. I don't know,

836
00:34:42,719 --> 00:34:44,440
Speaker 1: really it sounds I don't want to be like we're

837
00:34:44,480 --> 00:34:46,160
Speaker 1: going to, you know, fall in love with robots and

838
00:34:46,200 --> 00:34:48,279
Speaker 1: all that, but it is like having kind of a

839
00:34:48,360 --> 00:34:50,120
Speaker 1: pot partner there can help you, like get over that

840
00:34:50,239 --> 00:34:51,200
Speaker 1: homp yep.

841
00:34:51,760 --> 00:34:54,080
Speaker 3: That's true me because the hardest part is that like

842
00:34:54,239 --> 00:34:56,360
Speaker 3: starting from something blank, right, Like you open up that

843
00:34:56,480 --> 00:34:58,759
Speaker 3: note on your phone or doctma on your computer and

844
00:34:58,800 --> 00:35:00,440
Speaker 3: you look at it and it's just completely nothing there,

845
00:35:00,440 --> 00:35:00,759
Speaker 3: and you're.

846
00:35:00,680 --> 00:35:04,120
Speaker 1: Like, don't you feel this was something good? Do you

847
00:35:04,280 --> 00:35:05,960
Speaker 1: use it? Am? I like telling you something you already know?

848
00:35:06,080 --> 00:35:08,080
Speaker 3: Or I do it from time to time, But then

849
00:35:08,280 --> 00:35:10,040
Speaker 3: then I feel like I feel guilty. I'm like, no, no, no,

850
00:35:10,160 --> 00:35:11,920
Speaker 3: I should have done this from scratch. But you're right,

851
00:35:11,960 --> 00:35:13,520
Speaker 3: like it's like I'm not having it do the whole thing.

852
00:35:13,600 --> 00:35:15,600
Speaker 3: I'm just getting some ideas, getting something to get me.

853
00:35:15,640 --> 00:35:17,640
Speaker 1: Going interest, So you feel like you should do it

854
00:35:17,680 --> 00:35:19,719
Speaker 1: from scratch, like if you don't suffer and you don't

855
00:35:19,760 --> 00:35:22,040
Speaker 1: like really like, yes, I feel that way about my

856
00:35:22,120 --> 00:35:22,919
Speaker 1: book for sure?

857
00:35:23,320 --> 00:35:26,600
Speaker 4: Were no chat gpt over here for that I wish

858
00:35:26,680 --> 00:35:29,160
Speaker 4: I hadt when I was when I was writing my book,

859
00:35:29,280 --> 00:35:31,279
Speaker 4: there were some parts of my book where like, there's

860
00:35:31,280 --> 00:35:34,240
Speaker 4: gonna be parts where naturally, obviously you're gonna get stuck.

861
00:35:35,160 --> 00:35:36,920
Speaker 4: And the thing to me about it is, if you

862
00:35:37,040 --> 00:35:39,000
Speaker 4: have integrity, you obviously care that.

863
00:35:39,280 --> 00:35:40,160
Speaker 2: You've wrote it.

864
00:35:40,280 --> 00:35:42,480
Speaker 4: But the way I like to use it is to

865
00:35:42,719 --> 00:35:46,160
Speaker 4: just get ideas going. It's not to say write this

866
00:35:46,440 --> 00:35:48,880
Speaker 4: for me. It's to say, I have this idea that

867
00:35:48,960 --> 00:35:50,840
Speaker 4: I'm thinking, and I'm explain it to you, and then

868
00:35:50,880 --> 00:35:53,520
Speaker 4: I want you to, like, you know, break it down a.

869
00:35:53,520 --> 00:35:55,879
Speaker 2: Little bit more, hash it out a little bit more,

870
00:35:56,239 --> 00:35:56,920
Speaker 2: and then I'll be.

871
00:35:57,000 --> 00:35:58,960
Speaker 4: Like, oh, I'll read it and I'm like, oh, I

872
00:35:59,040 --> 00:36:00,759
Speaker 4: guess we think about this other thing that's gonna be

873
00:36:00,800 --> 00:36:03,040
Speaker 4: so good, and then I'll go back to write the

874
00:36:03,239 --> 00:36:06,120
Speaker 4: certain exactly. To me, it's more so like just throwing

875
00:36:06,200 --> 00:36:08,319
Speaker 4: ideas at the wall is not necessarily having the.

876
00:36:08,800 --> 00:36:11,000
Speaker 2: The robot do the typing for you. And I do

877
00:36:11,160 --> 00:36:12,400
Speaker 2: think that that's the problem.

878
00:36:12,440 --> 00:36:14,359
Speaker 4: When people think of it, they think of it as

879
00:36:14,440 --> 00:36:15,319
Speaker 4: like it's going to do it for.

880
00:36:15,400 --> 00:36:18,480
Speaker 2: Me, and you're right, it's like we're not copy pa.

881
00:36:18,600 --> 00:36:20,440
Speaker 4: I mean, yeah, it's like this is not a college paper,

882
00:36:20,719 --> 00:36:22,200
Speaker 4: but you're trying to hit a certain number of word

883
00:36:22,320 --> 00:36:24,320
Speaker 4: count and you're just trying to do whatever, like this

884
00:36:24,480 --> 00:36:26,160
Speaker 4: is a project that you really care about, and sometimes

885
00:36:26,200 --> 00:36:27,920
Speaker 4: you just get stuck. And so if you could just

886
00:36:28,000 --> 00:36:30,480
Speaker 4: get some ideas going to, you know, get you to

887
00:36:30,560 --> 00:36:33,520
Speaker 4: the next thing that that strikes inspiration. That That's kind

888
00:36:33,560 --> 00:36:35,399
Speaker 4: of how I've been using it. But when I'm looking

889
00:36:35,440 --> 00:36:38,680
Speaker 4: for information I'm obsessed with perplexity dot ai right now.

890
00:36:38,719 --> 00:36:41,240
Speaker 4: So if I'm if I'm looking for information or research,

891
00:36:41,560 --> 00:36:43,520
Speaker 4: I do not go to tagipt. I do not even

892
00:36:43,560 --> 00:36:46,640
Speaker 4: go to Google anymore. I go to perplexity dot ai.

893
00:36:47,320 --> 00:36:47,960
Speaker 1: I don't know.

894
00:36:49,120 --> 00:36:51,120
Speaker 2: Oh it's my gift to you, Mandy Boom. Here we

895
00:36:51,160 --> 00:36:53,239
Speaker 2: go to so perplexity dot ai.

896
00:36:53,360 --> 00:36:55,200
Speaker 4: You can just type it into the web browser search bar,

897
00:36:55,400 --> 00:36:59,160
Speaker 4: and it's instead of like pushing sponsored polls kind of

898
00:36:59,239 --> 00:37:02,120
Speaker 4: like how Google Chrome does, or like how Google Results

899
00:37:02,200 --> 00:37:05,120
Speaker 4: will pop up. Instead, it'll give you the source of

900
00:37:05,239 --> 00:37:07,560
Speaker 4: all the information that it's pulling and immediately give you

901
00:37:07,800 --> 00:37:10,520
Speaker 4: like the information. The other thing, too, is chagypt will

902
00:37:10,600 --> 00:37:13,800
Speaker 4: sometimes just make shit up like hey this is this

903
00:37:14,000 --> 00:37:16,160
Speaker 4: is and it's like not a real study or that's

904
00:37:16,239 --> 00:37:16,640
Speaker 4: not true.

905
00:37:16,840 --> 00:37:18,640
Speaker 1: And when we tried to use chat Gipt for the

906
00:37:18,840 --> 00:37:21,680
Speaker 1: Q and A trivia at the Brown Ambition Live show,

907
00:37:21,719 --> 00:37:24,040
Speaker 1: and it was just give me wrong answers. They were

908
00:37:24,120 --> 00:37:26,319
Speaker 1: like famous black celebrities from the nineties and all kinds

909
00:37:26,320 --> 00:37:26,640
Speaker 1: of stuff.

910
00:37:26,640 --> 00:37:28,440
Speaker 2: It was not just it makes things up.

911
00:37:28,480 --> 00:37:31,400
Speaker 4: So for me, if I want idea generation, if I

912
00:37:31,440 --> 00:37:34,359
Speaker 4: want creativity kind of stuff, I'll go to chagypt like, hey,

913
00:37:34,480 --> 00:37:36,400
Speaker 4: thoughts ideas like I want I want to come up

914
00:37:36,440 --> 00:37:37,800
Speaker 4: with an acronym and I want it to rhyme with

915
00:37:37,880 --> 00:37:38,600
Speaker 4: this and stuff like that.

916
00:37:38,960 --> 00:37:41,760
Speaker 2: But if I'm looking for research for information for facts,

917
00:37:42,040 --> 00:37:44,520
Speaker 2: I go I don't use for that. I use Perplexity

918
00:37:44,560 --> 00:37:45,160
Speaker 2: DII for that.

919
00:37:47,520 --> 00:37:49,759
Speaker 3: That is the best search engine I've used. It's like,

920
00:37:50,080 --> 00:37:51,640
Speaker 3: I guess that's where I'm using the ACT because yeah,

921
00:37:51,640 --> 00:37:54,480
Speaker 3: that's because Google was frustrating me as always. I'm like,

922
00:37:54,760 --> 00:37:56,279
Speaker 3: unless I type redd it in my search, I'm not

923
00:37:56,280 --> 00:37:57,600
Speaker 3: getting a good answer most of the time.

924
00:37:58,480 --> 00:37:59,279
Speaker 2: That's wild to me.

925
00:37:59,480 --> 00:38:01,160
Speaker 4: I feel like one thing too, is that we don't

926
00:38:01,280 --> 00:38:03,880
Speaker 4: notice that we're at the like inflection point where like

927
00:38:03,960 --> 00:38:06,280
Speaker 4: at the brink of something major it's about to shift

928
00:38:06,400 --> 00:38:09,239
Speaker 4: of like how much more powerful AI is about to get?

929
00:38:09,480 --> 00:38:11,560
Speaker 2: Like we think chagbt is so impressive and.

930
00:38:11,800 --> 00:38:12,880
Speaker 1: Haven't we been there forever?

931
00:38:13,040 --> 00:38:17,680
Speaker 4: Now wait wait till it learns to speed run faster

932
00:38:17,760 --> 00:38:19,919
Speaker 4: than the cheetah. Like this thing is about to take off,

933
00:38:20,080 --> 00:38:22,040
Speaker 4: and I just I feel like we don't think people

934
00:38:22,080 --> 00:38:24,400
Speaker 4: are not ready for it. So I've been trying to

935
00:38:24,480 --> 00:38:26,319
Speaker 4: kind of beat tent Toos down, like try to get

936
00:38:26,360 --> 00:38:28,520
Speaker 4: in there and find out what are all the AI tools?

937
00:38:28,560 --> 00:38:31,120
Speaker 4: You know, Like when I'm doing video editing stuff, I

938
00:38:31,280 --> 00:38:33,960
Speaker 4: use descript, which allows you to just like erase a

939
00:38:34,040 --> 00:38:35,839
Speaker 4: sentence and it will do the edit in the video

940
00:38:35,920 --> 00:38:37,319
Speaker 4: for you so you don't have to necessarily edit.

941
00:38:37,480 --> 00:38:39,800
Speaker 2: It also puts captions on videos. It's really great. And

942
00:38:39,880 --> 00:38:42,840
Speaker 2: I've also been playing around with in you. I mean,

943
00:38:42,880 --> 00:38:43,759
Speaker 2: you have to be like in a.

944
00:38:43,760 --> 00:38:46,319
Speaker 4: Discord chat for this, but there's one that you can

945
00:38:46,360 --> 00:38:49,600
Speaker 4: get images And of course I'm blanking on the name

946
00:38:49,640 --> 00:38:52,600
Speaker 4: of it now is it mid Journey, mad Journey.

947
00:38:54,040 --> 00:38:54,480
Speaker 3: Back up here?

948
00:38:54,920 --> 00:38:58,000
Speaker 1: Such techies? No? I love that Also because I like

949
00:38:58,080 --> 00:39:00,239
Speaker 1: to be I like to make money and I'm not

950
00:39:00,320 --> 00:39:02,680
Speaker 1: traditionally employed, none of us is none of us.

951
00:39:02,719 --> 00:39:03,479
Speaker 2: I like to make money.

952
00:39:03,520 --> 00:39:05,000
Speaker 1: Yeah, I really do. One thing you should know about

953
00:39:05,040 --> 00:39:05,880
Speaker 1: me Mandy, money is.

954
00:39:06,000 --> 00:39:06,400
Speaker 3: I like it.

955
00:39:07,239 --> 00:39:09,239
Speaker 1: I'm not always great at it, but I do enjoy it.

956
00:39:09,920 --> 00:39:11,920
Speaker 1: And by the way, Chris, I've made over a thousand

957
00:39:11,960 --> 00:39:14,600
Speaker 1: dollars since yesterday because I just did a thing and

958
00:39:14,640 --> 00:39:17,359
Speaker 1: put the challenge up and started to offer it too,

959
00:39:17,680 --> 00:39:20,040
Speaker 1: so you know what, and I'm perfecting it as I go.

960
00:39:20,680 --> 00:39:24,200
Speaker 1: And anyway, I'm just saying, so make your little YouTube video, sir.

961
00:39:25,440 --> 00:39:28,520
Speaker 1: And I wasn't gonna charge. Nakaela told me to charge.

962
00:39:28,840 --> 00:39:31,520
Speaker 1: She was like, good, I wasn't gonna and I was like, wait,

963
00:39:31,600 --> 00:39:32,960
Speaker 1: why am I not? It's so funny?

964
00:39:33,040 --> 00:39:33,600
Speaker 4: Yeah, why not?

965
00:39:34,040 --> 00:39:35,200
Speaker 2: But that's you know, Mandy.

966
00:39:35,239 --> 00:39:37,879
Speaker 4: When people talk about, oh, build the thing and put

967
00:39:37,920 --> 00:39:41,200
Speaker 4: it out there, yeah, it reminds me of the conversation

968
00:39:41,280 --> 00:39:44,040
Speaker 4: around integrity and plagiarism, right, like, we feel like we

969
00:39:44,120 --> 00:39:46,560
Speaker 4: can't do this thing. As I started to like connect

970
00:39:46,600 --> 00:39:49,000
Speaker 4: with more people at FINCN and other creative conferences and like,

971
00:39:49,120 --> 00:39:50,120
Speaker 4: see what other people are doing.

972
00:39:50,520 --> 00:39:51,440
Speaker 2: They all doing this.

973
00:39:51,600 --> 00:39:54,960
Speaker 4: They are all selling something that doesn't exist yet and

974
00:39:55,040 --> 00:39:57,680
Speaker 4: then they're building it and like but at least they're

975
00:39:57,719 --> 00:39:58,359
Speaker 4: putting it out.

976
00:39:58,280 --> 00:39:59,640
Speaker 2: There to see if there's interest.

977
00:40:00,000 --> 00:40:02,560
Speaker 4: And an example of this was back when Tesla was

978
00:40:02,640 --> 00:40:05,520
Speaker 4: like putting cars up on the website and telling people

979
00:40:05,600 --> 00:40:07,360
Speaker 4: to pre buy it and pre under them when the.

980
00:40:07,400 --> 00:40:09,680
Speaker 1: Cars didn't exist, and you give them one thousand dollars

981
00:40:09,760 --> 00:40:11,520
Speaker 1: for a spot in line, right.

982
00:40:11,800 --> 00:40:13,879
Speaker 4: And it's like, first of all, the thing doesn't even

983
00:40:13,920 --> 00:40:16,200
Speaker 4: exist yet, and people were paying twenty thirty thousand dollars

984
00:40:16,280 --> 00:40:18,080
Speaker 4: to hold a spot to get access to a vehicle

985
00:40:18,160 --> 00:40:18,719
Speaker 4: that was not in.

986
00:40:18,800 --> 00:40:21,160
Speaker 2: Existence yet, And so why don't we feel that we

987
00:40:21,320 --> 00:40:22,200
Speaker 2: can do these things?

988
00:40:22,320 --> 00:40:23,480
Speaker 4: Like you know, so to me, I feel like we

989
00:40:23,560 --> 00:40:25,520
Speaker 4: hold ourselves back by saying like, oh no, but I'm

990
00:40:25,600 --> 00:40:27,160
Speaker 4: too but I have too much integrity and I have

991
00:40:27,160 --> 00:40:28,879
Speaker 4: too much this and that. It's like, no, as long

992
00:40:28,920 --> 00:40:31,000
Speaker 4: as the product is coming and you do a really

993
00:40:31,080 --> 00:40:33,960
Speaker 4: bang up damn job and you deliver and you know,

994
00:40:34,080 --> 00:40:36,480
Speaker 4: you work your ass off, Like, I don't see why

995
00:40:36,560 --> 00:40:38,640
Speaker 4: we kind of keep ourselves in a box of like, oh,

996
00:40:38,719 --> 00:40:42,279
Speaker 4: doing everything the cookie cutter, perfect traditional way. So yeah,

997
00:40:42,400 --> 00:40:44,200
Speaker 4: I'm trying to step outside the box in twenty twenty

998
00:40:44,239 --> 00:40:45,040
Speaker 4: five a little bit more.

999
00:40:44,960 --> 00:40:47,759
Speaker 1: In that way. Well in the AI conversation, cause I

1000
00:40:47,800 --> 00:40:51,360
Speaker 1: want to get back to that because workers are beginning

1001
00:40:51,400 --> 00:40:53,279
Speaker 1: to We've seen this in Hollywood we've seen this like

1002
00:40:53,400 --> 00:40:57,359
Speaker 1: doc worker strike that's coming up. There are like people

1003
00:40:57,440 --> 00:40:59,799
Speaker 1: are worried about AI taking their jobs, and I think

1004
00:41:00,120 --> 00:41:02,080
Speaker 1: it's completely valid. I think you should have been worried

1005
00:41:02,200 --> 00:41:04,359
Speaker 1: a year or two ago, and now you for sure

1006
00:41:04,440 --> 00:41:07,720
Speaker 1: should be worried. And I as a career coach myself,

1007
00:41:07,760 --> 00:41:10,960
Speaker 1: I'm trying to encourage like women, find out who's coming

1008
00:41:11,000 --> 00:41:12,680
Speaker 1: for your job, find out what bot wants to do

1009
00:41:12,760 --> 00:41:15,840
Speaker 1: what you're doing, and get really good at it. Because

1010
00:41:15,960 --> 00:41:18,040
Speaker 1: the thing that I'm sure about is like companies are

1011
00:41:18,080 --> 00:41:20,320
Speaker 1: going to need people who know how to control the bots,

1012
00:41:20,560 --> 00:41:22,480
Speaker 1: you know what I mean. So if you can learn

1013
00:41:22,560 --> 00:41:25,560
Speaker 1: it and like go and not get it's the same

1014
00:41:25,600 --> 00:41:27,080
Speaker 1: I kind of felt back in when I was studying

1015
00:41:27,160 --> 00:41:30,920
Speaker 1: journalism during you know, the Great Recession and the like,

1016
00:41:31,040 --> 00:41:33,200
Speaker 1: social media was becoming a thing, and a lot of

1017
00:41:33,320 --> 00:41:35,440
Speaker 1: my older colleagues would be like, I'm not getting a Twitter,

1018
00:41:35,960 --> 00:41:39,279
Speaker 1: you know, and to their own detriment, right because now

1019
00:41:39,400 --> 00:41:41,960
Speaker 1: social media, like or eventually it became a whole job.

1020
00:41:42,120 --> 00:41:43,920
Speaker 1: And I'm sure now the bots are coming for social

1021
00:41:43,960 --> 00:41:47,440
Speaker 1: media people. But how do you guys feel about like

1022
00:41:47,719 --> 00:41:50,800
Speaker 1: leveraging AI? Excuse me in your career and like the

1023
00:41:50,840 --> 00:41:54,040
Speaker 1: perspective from workers who are maybe feeling like, oh damn,

1024
00:41:55,200 --> 00:41:55,880
Speaker 1: what's happening.

1025
00:41:56,120 --> 00:41:56,719
Speaker 2: I agree with you.

1026
00:41:56,960 --> 00:42:01,319
Speaker 4: I feel like you you can't fear that it's going

1027
00:42:01,400 --> 00:42:03,400
Speaker 4: to come for your job and that you're going to

1028
00:42:03,480 --> 00:42:07,680
Speaker 4: lose everything and let that like trap you almost like

1029
00:42:07,719 --> 00:42:09,839
Speaker 4: you're gonna You're just gonna be trapped, right, and it's

1030
00:42:09,880 --> 00:42:13,480
Speaker 4: going to fester, and it's negative. And the only positive

1031
00:42:13,520 --> 00:42:15,839
Speaker 4: spin on this is, well, I guess we could argue

1032
00:42:15,840 --> 00:42:18,080
Speaker 4: about universal basic income, but we're not going there. We're

1033
00:42:18,120 --> 00:42:20,359
Speaker 4: going to stick to the way you can positively spin

1034
00:42:20,440 --> 00:42:24,120
Speaker 4: it is to say, let me learn what you know

1035
00:42:24,360 --> 00:42:27,279
Speaker 4: what prompting looks like, or how to prompt correctly, or

1036
00:42:27,719 --> 00:42:29,279
Speaker 4: you know how to use the right tools or what

1037
00:42:29,480 --> 00:42:32,719
Speaker 4: are the top premier tools for AI in this specific

1038
00:42:32,880 --> 00:42:35,040
Speaker 4: job that I'm doing, Because then you become the go

1039
00:42:35,160 --> 00:42:37,600
Speaker 4: to person for your company, and then when they're doing layoffs,

1040
00:42:37,680 --> 00:42:39,040
Speaker 4: you're not the one that's going to get laid off.

1041
00:42:39,200 --> 00:42:40,799
Speaker 4: And I know it sucks to think like that because

1042
00:42:40,800 --> 00:42:42,200
Speaker 4: then it's like, oh, but then what about all my

1043
00:42:42,280 --> 00:42:44,520
Speaker 4: friends at work who get who they're losing their jobs

1044
00:42:45,160 --> 00:42:47,160
Speaker 4: at the end of the day, Like this is a

1045
00:42:47,320 --> 00:42:51,799
Speaker 4: capitalistic country and the people. It's like we are all

1046
00:42:51,840 --> 00:42:53,719
Speaker 4: compromised under capitalism, and at the end of the day,

1047
00:42:53,800 --> 00:42:55,640
Speaker 4: the companies are going to do what they got to

1048
00:42:55,680 --> 00:42:57,960
Speaker 4: do for their bottom line. And so if you want

1049
00:42:58,000 --> 00:43:00,080
Speaker 4: to continue to have value and know your value and

1050
00:43:00,160 --> 00:43:03,160
Speaker 4: create your you know, keep creating more value from yourself

1051
00:43:03,200 --> 00:43:05,319
Speaker 4: as a as an employee and as a worker, as

1052
00:43:05,320 --> 00:43:08,400
Speaker 4: an entrepreneur, you sort of have to embrace AI and

1053
00:43:08,480 --> 00:43:11,120
Speaker 4: start to figure out what are the leading tools, leading

1054
00:43:11,360 --> 00:43:14,200
Speaker 4: applications and learn the basics because at the end of

1055
00:43:14,239 --> 00:43:17,279
Speaker 4: the day, like resisting is exactly what you said. It's

1056
00:43:17,360 --> 00:43:19,400
Speaker 4: just like social media. I'm not going to get on there,

1057
00:43:19,480 --> 00:43:20,960
Speaker 4: And now you're like, dang, I should have got on

1058
00:43:21,080 --> 00:43:22,080
Speaker 4: there back ten years ago.

1059
00:43:22,400 --> 00:43:23,279
Speaker 2: Yeah, you should have.

1060
00:43:23,600 --> 00:43:25,080
Speaker 1: I think the people who know how to do the

1061
00:43:25,200 --> 00:43:28,040
Speaker 1: work already, like Chris, you have so much knowledge and

1062
00:43:28,400 --> 00:43:30,399
Speaker 1: we have knowledge, we have so much value to add

1063
00:43:30,480 --> 00:43:33,440
Speaker 1: and when we leverage these tools, we're only going to

1064
00:43:33,480 --> 00:43:35,200
Speaker 1: get better at what we do. I really do, and

1065
00:43:35,280 --> 00:43:38,279
Speaker 1: it's just going to help us scale and grow. And

1066
00:43:38,400 --> 00:43:40,719
Speaker 1: I think the people who are who don't have the

1067
00:43:40,840 --> 00:43:43,800
Speaker 1: value and they're expecting the bots to create the knowledge

1068
00:43:43,880 --> 00:43:47,640
Speaker 1: base and the experience and the nuance like good luck.

1069
00:43:48,000 --> 00:43:50,400
Speaker 1: It's like TIF always said, like sauce sold separately. We

1070
00:43:50,480 --> 00:43:52,320
Speaker 1: have our own sauce. You have your own you know,

1071
00:43:52,480 --> 00:43:54,800
Speaker 1: your own sparkle, your own expertise, and I think you

1072
00:43:54,920 --> 00:43:56,440
Speaker 1: have to like have a lot of I'm talking to

1073
00:43:56,480 --> 00:43:58,120
Speaker 1: you Christ because I need you to like build your

1074
00:43:58,320 --> 00:44:01,080
Speaker 1: confidence up. But yeah, like stand ten TOAs down in

1075
00:44:01,120 --> 00:44:03,000
Speaker 1: that and like, yeah, I have this knowledge base and

1076
00:44:03,120 --> 00:44:04,920
Speaker 1: I know how to work with these bots because I

1077
00:44:05,000 --> 00:44:06,400
Speaker 1: know things better than they do. But they're going to

1078
00:44:06,440 --> 00:44:08,160
Speaker 1: help me come up with like a little outline real quick.

1079
00:44:08,160 --> 00:44:12,640
Speaker 1: And that's fine. It's fine, But sixty one percent of

1080
00:44:12,719 --> 00:44:15,200
Speaker 1: large companies this year plan to use AI to automate

1081
00:44:15,280 --> 00:44:18,319
Speaker 1: tasks that were once done by humans. What's the fed

1082
00:44:18,400 --> 00:44:21,200
Speaker 1: up to, Chris, just real quick?

1083
00:44:21,320 --> 00:44:26,120
Speaker 3: For twenty The brief is explanation would be, so, you know,

1084
00:44:26,160 --> 00:44:29,239
Speaker 3: they've had a few meaties recently. They're raising interest rates, right,

1085
00:44:29,320 --> 00:44:30,440
Speaker 3: so they did another quarter point.

1086
00:44:30,760 --> 00:44:33,200
Speaker 1: Your boys get more nasily when you started talking about.

1087
00:44:32,960 --> 00:44:36,200
Speaker 3: It, so technically push my classifle. So actually, when we're

1088
00:44:36,200 --> 00:44:39,000
Speaker 3: looking at what the fans are doing now, so basically

1089
00:44:39,120 --> 00:44:41,240
Speaker 3: they're kind of taking things slow now, right, Like the economy,

1090
00:44:41,640 --> 00:44:43,760
Speaker 3: it's this weird thing right, because I think as regular

1091
00:44:43,840 --> 00:44:46,600
Speaker 3: people it didn't feel like the economy is great. But

1092
00:44:47,160 --> 00:44:50,719
Speaker 3: for corporations and the money they're making, everything's going great.

1093
00:44:50,760 --> 00:44:53,120
Speaker 3: They're doing fine. Everything's looking looking as it should.

1094
00:44:53,160 --> 00:44:55,680
Speaker 1: Thanks, you're still ten bucks of curtain, right, you know.

1095
00:44:55,760 --> 00:44:58,319
Speaker 3: It's just about disorder to makes last time I got

1096
00:44:58,440 --> 00:45:00,879
Speaker 3: to go get Yeah, it's expensive, and so it looks

1097
00:45:00,920 --> 00:45:03,319
Speaker 3: like things are kind of settling, But inflation isn't kind

1098
00:45:03,360 --> 00:45:05,520
Speaker 3: of going down at this pace that it kind of

1099
00:45:05,640 --> 00:45:07,480
Speaker 3: was before it was starting to settle down, and it's

1100
00:45:07,520 --> 00:45:09,479
Speaker 3: looking like it's kind of like at a holding point.

1101
00:45:09,760 --> 00:45:11,960
Speaker 3: So we're what it's looking like in twenty twenty five.

1102
00:45:12,040 --> 00:45:14,160
Speaker 3: The Federal Reserve is probably going to still lower interest

1103
00:45:14,200 --> 00:45:16,040
Speaker 3: rates a little bit. They're looking at maybe like a

1104
00:45:16,080 --> 00:45:18,839
Speaker 3: half a percent over the whole year is what might

1105
00:45:18,920 --> 00:45:21,120
Speaker 3: be happening. But they're going to do it very slowly

1106
00:45:21,160 --> 00:45:23,480
Speaker 3: and deliberately. But it all depends.

1107
00:45:23,520 --> 00:45:23,640
Speaker 1: You know.

1108
00:45:23,800 --> 00:45:25,759
Speaker 3: We got some changes coming to the White House. We

1109
00:45:25,880 --> 00:45:27,640
Speaker 3: got a lot of weird stuff going on.

1110
00:45:27,840 --> 00:45:31,760
Speaker 1: So right now I'm disassociated from January twentieth.

1111
00:45:32,280 --> 00:45:33,719
Speaker 3: I don't think about it the same way.

1112
00:45:33,800 --> 00:45:36,279
Speaker 1: I don't. I'm trying to think about it being January sixth,

1113
00:45:36,520 --> 00:45:40,440
Speaker 1: sixth today, just disassociate for my own mental health. But

1114
00:45:40,600 --> 00:45:44,239
Speaker 1: you're right, so just looking I'm looking at mortgage rates

1115
00:45:44,280 --> 00:45:47,400
Speaker 1: this year, I don't think I feel like the vibe

1116
00:45:47,480 --> 00:45:50,160
Speaker 1: is we're not going back to like those two percent

1117
00:45:50,280 --> 00:45:53,279
Speaker 1: rates like me like I have from the pandom. Yeah,

1118
00:45:53,520 --> 00:45:54,480
Speaker 1: but like I need to get out.

1119
00:45:56,080 --> 00:45:58,000
Speaker 4: No, no, no, you stay in that tiny house, girl,

1120
00:45:58,000 --> 00:46:00,320
Speaker 4: because you ain't gonna get that two percent for a

1121
00:46:00,360 --> 00:46:02,520
Speaker 4: little while longer. Because at the end of the day,

1122
00:46:02,640 --> 00:46:04,640
Speaker 4: like I was talking to this woman who lives in California,

1123
00:46:04,719 --> 00:46:07,440
Speaker 4: so slightly different real estate market out there, but the

1124
00:46:07,680 --> 00:46:10,640
Speaker 4: one single reason why she was able to retire early

1125
00:46:10,840 --> 00:46:13,560
Speaker 4: is because she never upgraded her home, no matter how

1126
00:46:13,640 --> 00:46:14,600
Speaker 4: much pressure she felt.

1127
00:46:14,880 --> 00:46:16,440
Speaker 1: Now, yeah, you're so right.

1128
00:46:16,560 --> 00:46:17,839
Speaker 2: You only had one kid.

1129
00:46:18,040 --> 00:46:20,040
Speaker 4: She only had one kid, and a lot of her

1130
00:46:20,080 --> 00:46:24,399
Speaker 4: friends had multiple A lot of people had multiple kids,

1131
00:46:24,440 --> 00:46:26,880
Speaker 4: and that's a valid, legit thing. But we had a

1132
00:46:26,920 --> 00:46:28,440
Speaker 4: conversation on the phone and she was like, girl, let

1133
00:46:28,440 --> 00:46:30,239
Speaker 4: me tell you the only reason right now that I'm

1134
00:46:30,280 --> 00:46:32,920
Speaker 4: not working and I'm okay is because we didn't fall

1135
00:46:33,000 --> 00:46:34,920
Speaker 4: to that pressure of like increase. We could always do

1136
00:46:35,000 --> 00:46:36,839
Speaker 4: it later, but the more you push it off, the better.

1137
00:46:37,520 --> 00:46:39,960
Speaker 4: And it's a huge piece of your well building ability.

1138
00:46:40,000 --> 00:46:43,200
Speaker 1: You're so right. We get so much pressure from friends

1139
00:46:43,280 --> 00:46:46,839
Speaker 1: from my family, they complain. I'm just like, when did

1140
00:46:46,880 --> 00:46:48,880
Speaker 1: we stop being grateful for this home that we have?

1141
00:46:49,239 --> 00:46:52,400
Speaker 1: Like when you're right on, Ellie. And it's that mindset

1142
00:46:52,480 --> 00:46:55,000
Speaker 1: that is why my finances have been you know, like

1143
00:46:55,640 --> 00:46:58,440
Speaker 1: down to them. And it's like I lost track of

1144
00:46:58,560 --> 00:47:01,239
Speaker 1: I was so good about keeping lifestyle inflation at Bay

1145
00:47:01,880 --> 00:47:04,040
Speaker 1: when I was we got two cars. Now I said

1146
00:47:04,040 --> 00:47:05,640
Speaker 1: I would never have a two car household and one

1147
00:47:05,680 --> 00:47:07,759
Speaker 1: of them is not paid off, and I don't like it.

1148
00:47:08,680 --> 00:47:09,839
Speaker 1: I don't like who I am.

1149
00:47:10,360 --> 00:47:11,959
Speaker 2: And now you're talking about getting a bigger house.

1150
00:47:12,040 --> 00:47:18,120
Speaker 1: Oh I know with what money? Yes, it's so true,

1151
00:47:18,200 --> 00:47:21,479
Speaker 1: and I wanted to have more kids. Make it make sense, girl,

1152
00:47:22,160 --> 00:47:23,200
Speaker 1: that a ticket.

1153
00:47:23,239 --> 00:47:25,360
Speaker 4: One of my emotional stuff is the emotional stuff, and

1154
00:47:25,440 --> 00:47:28,120
Speaker 4: it's for me. I constantly try to push myself back

1155
00:47:28,160 --> 00:47:31,680
Speaker 4: to like rational decision making. Don't let is it the

1156
00:47:31,719 --> 00:47:33,719
Speaker 4: emotions trying to make this decision or is it going

1157
00:47:33,800 --> 00:47:36,719
Speaker 4: to be my rational brain making the decision? Because of course,

1158
00:47:36,840 --> 00:47:38,640
Speaker 4: like in my mind, I could go do this, this

1159
00:47:38,719 --> 00:47:40,279
Speaker 4: and that. It's like, but why would I do that?

1160
00:47:40,440 --> 00:47:43,080
Speaker 4: I'm literally setting myself back financially just a stunt on

1161
00:47:43,200 --> 00:47:44,719
Speaker 4: a or to be able to make my family happy

1162
00:47:44,719 --> 00:47:46,000
Speaker 4: instead of making myself happy.

1163
00:47:46,040 --> 00:47:48,320
Speaker 2: And so just you know, you know what you're what

1164
00:47:48,440 --> 00:47:50,560
Speaker 2: you're supposed to be doing, and what you have you know,

1165
00:47:50,640 --> 00:47:51,200
Speaker 2: and me to do?

1166
00:47:51,400 --> 00:47:55,160
Speaker 3: Hear that? Yeah, And everybody, family, friends, they love spending

1167
00:47:55,239 --> 00:47:57,120
Speaker 3: your money for you. They love telling you what you

1168
00:47:57,160 --> 00:47:58,879
Speaker 3: should be doing. It's going to cost you more money.

1169
00:47:58,920 --> 00:48:00,279
Speaker 3: And with no, they're not going to come help you

1170
00:48:00,320 --> 00:48:02,960
Speaker 3: out after you've spent that money. They're just like, oh, well,

1171
00:48:03,480 --> 00:48:06,439
Speaker 3: you know, just makes does someone else save a little

1172
00:48:06,440 --> 00:48:08,000
Speaker 3: bit better? It's spend less money? Like no, no, no,

1173
00:48:08,080 --> 00:48:09,720
Speaker 3: I was in a better spite before I took your advice?

1174
00:48:09,800 --> 00:48:11,919
Speaker 3: Why what did you do this to me? Part?

1175
00:48:12,960 --> 00:48:15,880
Speaker 1: And they don't. And also taking advice from people or

1176
00:48:15,960 --> 00:48:19,000
Speaker 1: like looking to other people to see what they're doing.

1177
00:48:19,239 --> 00:48:21,239
Speaker 1: I was even talking to an entrepreneur today who was

1178
00:48:21,280 --> 00:48:23,000
Speaker 1: saying how a friend told her she's making all her

1179
00:48:23,040 --> 00:48:25,200
Speaker 1: money from affiliate revenue, and so she wants to like

1180
00:48:25,280 --> 00:48:28,319
Speaker 1: pivot to affiliate and I'm like, well, maybe that's true,

1181
00:48:28,400 --> 00:48:32,200
Speaker 1: but also that's pretty financially risky because all of her

1182
00:48:32,200 --> 00:48:35,960
Speaker 1: eggs in that one basket very volatile. Yes, you're right,

1183
00:48:36,040 --> 00:48:38,440
Speaker 1: and getting a bigger house like it would be happier

1184
00:48:38,520 --> 00:48:42,560
Speaker 1: in some ways, but it also creates more pressure financially.

1185
00:48:42,600 --> 00:48:44,439
Speaker 1: Then you got to keep it up. Then it's even

1186
00:48:44,480 --> 00:48:47,520
Speaker 1: more pressure on me as a business owner to make

1187
00:48:47,600 --> 00:48:50,000
Speaker 1: the money to keep it up. And yeah, thank you,

1188
00:48:50,120 --> 00:48:50,520
Speaker 1: jan Ellie.

1189
00:48:50,560 --> 00:48:52,640
Speaker 2: I needed that little I'm just giving gifts all left

1190
00:48:52,680 --> 00:48:53,640
Speaker 2: and right right.

1191
00:48:54,200 --> 00:48:55,360
Speaker 1: Also, you are one, so.

1192
00:48:57,120 --> 00:48:57,480
Speaker 4: Thank you.

1193
00:48:58,080 --> 00:49:03,080
Speaker 1: You know, love is real. Okay, let's let's do brown

1194
00:49:03,160 --> 00:49:06,120
Speaker 1: boost brown break, So just to remind y'all be a fan.

1195
00:49:06,360 --> 00:49:09,480
Speaker 1: Brown boost is something that I kind of ask that

1196
00:49:09,520 --> 00:49:11,759
Speaker 1: we reflect on, something that we really are excited about.

1197
00:49:11,800 --> 00:49:14,200
Speaker 1: It could be a new AI tool that's saving our lives,

1198
00:49:14,760 --> 00:49:16,600
Speaker 1: could be the fact that we crossed over the million

1199
00:49:16,680 --> 00:49:18,680
Speaker 1: dollar net worth mark even though we're going to keep

1200
00:49:18,719 --> 00:49:21,680
Speaker 1: it private you don't have to say it here. Or

1201
00:49:21,760 --> 00:49:23,920
Speaker 1: a brown break, which is like if you're feeling like

1202
00:49:24,239 --> 00:49:25,840
Speaker 1: I'm so sick of this, it is something that is

1203
00:49:25,920 --> 00:49:27,320
Speaker 1: driving me nuts, something you think we need to know

1204
00:49:27,400 --> 00:49:32,160
Speaker 1: about to be aware of. Like I'm going to open

1205
00:49:32,239 --> 00:49:35,120
Speaker 1: the floor to you guys if you have a booster

1206
00:49:35,200 --> 00:49:37,560
Speaker 1: or a break, and if not, I'll make myself the

1207
00:49:37,640 --> 00:49:45,960
Speaker 1: guinea pig. I'll start so we don't be now on it.

1208
00:49:46,480 --> 00:49:48,759
Speaker 4: Okay, now this is not sponsored or anyway. I do

1209
00:49:48,880 --> 00:49:50,560
Speaker 4: not get paid by these people, at least not yet.

1210
00:49:50,680 --> 00:49:51,279
Speaker 2: Maybe one day.

1211
00:49:51,560 --> 00:49:54,560
Speaker 4: But we don't own a home mit Jamil and I'm

1212
00:49:54,560 --> 00:49:56,279
Speaker 4: my partner. We've been together for a very long time

1213
00:49:56,360 --> 00:49:58,080
Speaker 4: and we're very happy long term relationship.

1214
00:49:58,120 --> 00:49:58,600
Speaker 2: We're healthy.

1215
00:49:58,719 --> 00:50:01,440
Speaker 4: We just don't necessarily we see ourselves as homeowners in

1216
00:50:01,560 --> 00:50:05,160
Speaker 4: that lifestyle. We really love like apartment complex living where

1217
00:50:05,239 --> 00:50:07,440
Speaker 4: we can go outside by the shared amenities and see

1218
00:50:07,480 --> 00:50:09,160
Speaker 4: other people and be like, hey, I what's up, and

1219
00:50:09,200 --> 00:50:11,160
Speaker 4: like there's always people out and around. So we like

1220
00:50:11,280 --> 00:50:14,120
Speaker 4: like the condo apartment type of lifestyle. But we also

1221
00:50:14,160 --> 00:50:16,479
Speaker 4: don't want to own a condo apartment in Miami because

1222
00:50:16,680 --> 00:50:18,759
Speaker 4: jos are insane. So we're just like, you know what,

1223
00:50:19,000 --> 00:50:23,120
Speaker 4: home ownership's not for right now. And but the money,

1224
00:50:23,280 --> 00:50:25,840
Speaker 4: like it's so annoying that we spend thousands of dollars

1225
00:50:25,840 --> 00:50:27,440
Speaker 4: every month on rent and it's just like it just

1226
00:50:27,520 --> 00:50:30,000
Speaker 4: goes into thin air to this mandlord right or to

1227
00:50:30,040 --> 00:50:33,160
Speaker 4: this development company. So we got the Built Rewards credit

1228
00:50:33,239 --> 00:50:35,799
Speaker 4: card a little bit before the end of the year

1229
00:50:35,920 --> 00:50:38,200
Speaker 4: last year, and we've been putting our rent on that.

1230
00:50:38,400 --> 00:50:40,880
Speaker 4: And let me tell you, if you pay rent and

1231
00:50:40,960 --> 00:50:43,879
Speaker 4: you're not getting miles or rewards points or some type

1232
00:50:43,880 --> 00:50:46,800
Speaker 4: of credit for your point for paying your rent.

1233
00:50:47,080 --> 00:50:49,400
Speaker 2: Look into some of these. I have the built one.

1234
00:50:49,440 --> 00:50:53,360
Speaker 4: There's others, but built like it's l LT Yeah, built

1235
00:50:53,360 --> 00:50:54,239
Speaker 4: rewards credit card.

1236
00:50:54,320 --> 00:50:55,680
Speaker 2: We use it to pay the rent.

1237
00:50:56,320 --> 00:50:58,520
Speaker 4: And you know, the big concern I had was a

1238
00:50:58,560 --> 00:51:00,520
Speaker 4: lot of times the companies will ard you like two

1239
00:51:00,600 --> 00:51:02,520
Speaker 4: or three percent fee for using a credit card to

1240
00:51:02,560 --> 00:51:02,880
Speaker 4: pay one.

1241
00:51:03,480 --> 00:51:05,000
Speaker 2: They have figured out a hack for that.

1242
00:51:05,440 --> 00:51:07,360
Speaker 4: So when you when I log into the credit card portal,

1243
00:51:07,480 --> 00:51:10,399
Speaker 4: it actually shows a bank account digits, so I copy

1244
00:51:10,480 --> 00:51:12,640
Speaker 4: them from their enter it into my rent payment portal

1245
00:51:12,680 --> 00:51:15,879
Speaker 4: and it acts like ACCH account clearinghouse, So it's acts

1246
00:51:16,000 --> 00:51:17,680
Speaker 4: like it's transferring the money to an account, but it

1247
00:51:17,760 --> 00:51:18,799
Speaker 4: charges it to the credit card.

1248
00:51:19,200 --> 00:51:22,280
Speaker 2: So whatever whatever backdoor.

1249
00:51:21,960 --> 00:51:24,760
Speaker 4: Magic they're doing essentially acts as a credit card transaction,

1250
00:51:24,920 --> 00:51:27,480
Speaker 4: but they're using I think they have their they're partnering

1251
00:51:27,520 --> 00:51:29,240
Speaker 4: with Wells Fargo Bank to do this, but they basically

1252
00:51:29,400 --> 00:51:31,160
Speaker 4: use the bank as a way to clear the money

1253
00:51:31,280 --> 00:51:33,120
Speaker 4: and then it counts as a credit card charge. So

1254
00:51:33,480 --> 00:51:36,800
Speaker 4: we've already gotten too, like silver status in their little

1255
00:51:37,200 --> 00:51:39,800
Speaker 4: levels of status thing, just from paying like four or

1256
00:51:39,840 --> 00:51:41,960
Speaker 4: five months of rent with that card instead of our

1257
00:51:42,000 --> 00:51:44,200
Speaker 4: bank account, which we when we pay with our bank account,

1258
00:51:44,200 --> 00:51:45,120
Speaker 4: we don't get any points.

1259
00:51:45,200 --> 00:51:47,319
Speaker 2: So we're going to take a free trip this year

1260
00:51:47,920 --> 00:51:50,440
Speaker 2: because of the points on this card. So that is

1261
00:51:50,520 --> 00:51:51,680
Speaker 2: my little brown boost.

1262
00:51:51,880 --> 00:51:53,240
Speaker 1: Why is this making me nervous?

1263
00:51:53,320 --> 00:51:53,480
Speaker 4: Though?

1264
00:51:53,680 --> 00:51:55,160
Speaker 1: What's the down? What's the pitfall?

1265
00:51:55,719 --> 00:51:58,360
Speaker 4: Now fall? The piffole is if you don't pay it

1266
00:51:58,600 --> 00:52:00,640
Speaker 4: on time. Now you're paying all the trust fees.

1267
00:52:00,480 --> 00:52:01,960
Speaker 1: On the credit card. Okay, so it is like your

1268
00:52:02,000 --> 00:52:03,759
Speaker 1: credit card with fees. Okay, okay, yeah, it's.

1269
00:52:03,640 --> 00:52:05,640
Speaker 4: The same exact Arrangement's just that you're able to use

1270
00:52:05,680 --> 00:52:08,520
Speaker 4: the card if you don't pay any interest fees and

1271
00:52:08,600 --> 00:52:10,680
Speaker 4: you pay on time all the time. It just it

1272
00:52:10,880 --> 00:52:12,520
Speaker 4: it's the same exact thing as if you pay your

1273
00:52:12,520 --> 00:52:14,360
Speaker 4: rent from your bank account, but you just got to

1274
00:52:14,360 --> 00:52:15,040
Speaker 4: be on top of it.

1275
00:52:15,560 --> 00:52:17,600
Speaker 1: So you know, please don't go in a credit card

1276
00:52:17,600 --> 00:52:21,440
Speaker 1: debt for your rent because you're you not do that.

1277
00:52:21,640 --> 00:52:22,200
Speaker 1: Live somewhere.

1278
00:52:22,440 --> 00:52:25,120
Speaker 4: Do not do that, because then not only is your

1279
00:52:25,200 --> 00:52:28,320
Speaker 4: rent paid so they're good, but now your credit is horrible.

1280
00:52:28,360 --> 00:52:30,040
Speaker 4: So if you ever choose to go to another apartment,

1281
00:52:30,040 --> 00:52:31,960
Speaker 4: you're not going to be able to go. So definitely

1282
00:52:32,120 --> 00:52:33,879
Speaker 4: only do this if you're the type of person who

1283
00:52:34,000 --> 00:52:36,000
Speaker 4: always pays it on time every month. But if you're

1284
00:52:36,040 --> 00:52:38,400
Speaker 4: paying your rent on time every month out your bank account,

1285
00:52:38,800 --> 00:52:40,840
Speaker 4: then all you're doing is putting one extra step in

1286
00:52:40,880 --> 00:52:43,520
Speaker 4: the middle and paying the card instead of the rent

1287
00:52:43,920 --> 00:52:45,560
Speaker 4: and having the rent you paid through the card. So

1288
00:52:45,640 --> 00:52:47,640
Speaker 4: it's just one extra step and you get rewards points

1289
00:52:47,680 --> 00:52:49,520
Speaker 4: for it. So in my mind, it makes a lot

1290
00:52:49,560 --> 00:52:51,520
Speaker 4: of sense. But if you can't trust yourself and you're

1291
00:52:51,560 --> 00:52:53,160
Speaker 4: going to go spend that rent wheney instead of paying

1292
00:52:53,200 --> 00:52:54,640
Speaker 4: the card, then stay away.

1293
00:52:55,080 --> 00:52:59,080
Speaker 3: Yeah, okay, fair, Yeah that was good. I've heard. I've

1294
00:52:59,080 --> 00:53:00,560
Speaker 3: heard a lot of good things about that that card.

1295
00:53:00,680 --> 00:53:02,440
Speaker 3: I don't know why I never even tried it, but

1296
00:53:02,800 --> 00:53:04,359
Speaker 3: I think the only thing I heard is that they

1297
00:53:04,400 --> 00:53:07,520
Speaker 3: are bleeding money because obviously they're giving a lot of

1298
00:53:07,560 --> 00:53:10,239
Speaker 3: points and yeah, making any money back from you on it.

1299
00:53:10,360 --> 00:53:11,920
Speaker 3: But hey, while they're giving all you.

1300
00:53:14,440 --> 00:53:15,800
Speaker 2: Heard it from here, you heard it from me.

1301
00:53:15,880 --> 00:53:18,160
Speaker 1: Now you did that have something that's so good for consumers?

1302
00:53:18,200 --> 00:53:20,879
Speaker 1: It's like you're going to go out of business. Capitalism.

1303
00:53:21,120 --> 00:53:22,839
Speaker 4: I think they're probably going to start lowering those points

1304
00:53:22,880 --> 00:53:24,839
Speaker 4: and rewards things and maybe making it like a new

1305
00:53:24,920 --> 00:53:27,440
Speaker 4: customer offers to show that the you know, you don't

1306
00:53:27,480 --> 00:53:29,320
Speaker 4: get grind fathered into though, but the point is, you

1307
00:53:29,400 --> 00:53:31,000
Speaker 4: know earlier you get in and benefit from it.

1308
00:53:31,080 --> 00:53:33,160
Speaker 2: It's just like any other rewards card. Try and get

1309
00:53:33,160 --> 00:53:33,920
Speaker 2: the benefits you can.

1310
00:53:34,520 --> 00:53:37,640
Speaker 1: M M all right, Chris, what's up? What you got?

1311
00:53:38,120 --> 00:53:41,080
Speaker 3: Okay? So for me, my boost is I'm moving to

1312
00:53:41,120 --> 00:53:47,080
Speaker 3: San Francisco. And Ellie was talking about this almost moving there. Yeah,

1313
00:53:47,120 --> 00:53:49,520
Speaker 3: I've been thinking about this for a couple of years now.

1314
00:53:50,040 --> 00:53:51,719
Speaker 3: I've always loved the city I live in. I live

1315
00:53:51,760 --> 00:53:53,200
Speaker 3: in the LA area, so I'm like just a little

1316
00:53:53,239 --> 00:53:55,399
Speaker 3: bit outside of LA. I don't live in La proper

1317
00:53:55,440 --> 00:53:56,880
Speaker 3: because I'm not trying to be in all that traffic,

1318
00:53:57,200 --> 00:54:00,840
Speaker 3: but all that money, paying all that raving money. I

1319
00:54:00,880 --> 00:54:02,440
Speaker 3: don't need all that. So i decided to move to

1320
00:54:02,520 --> 00:54:05,520
Speaker 3: even more expensive city. But I've been thinking about it

1321
00:54:05,560 --> 00:54:08,120
Speaker 3: for a while because La it's cars.

1322
00:54:08,160 --> 00:54:09,759
Speaker 1: Two years is too long to think about. I'm glad

1323
00:54:09,760 --> 00:54:10,600
Speaker 1: you're finally just doing it.

1324
00:54:10,960 --> 00:54:14,560
Speaker 3: I know that's a long time over things.

1325
00:54:14,760 --> 00:54:15,239
Speaker 1: That's what I do.

1326
00:54:15,320 --> 00:54:18,560
Speaker 3: I'm going to say, thinking myselthing for years and then

1327
00:54:18,960 --> 00:54:20,600
Speaker 3: and I might not even do it after thinking about it.

1328
00:54:21,560 --> 00:54:23,279
Speaker 4: I got to make a decision this month, like I

1329
00:54:23,320 --> 00:54:25,080
Speaker 4: can be playing with those year long decisions.

1330
00:54:25,640 --> 00:54:28,279
Speaker 3: So long time I was mulling that thing over, I

1331
00:54:28,320 --> 00:54:29,880
Speaker 3: would go up. I would go got friends up there,

1332
00:54:29,880 --> 00:54:31,920
Speaker 3: so I would go every you know, I'll probably go three,

1333
00:54:32,000 --> 00:54:33,560
Speaker 3: four or five times a year up there and visit.

1334
00:54:34,000 --> 00:54:36,440
Speaker 3: And this past year or twenty twenty four now I

1335
00:54:36,560 --> 00:54:39,120
Speaker 3: went for two like standed trips. I was there for

1336
00:54:39,239 --> 00:54:42,120
Speaker 3: three weeks and I did six week a little trip

1337
00:54:42,200 --> 00:54:45,320
Speaker 3: up there, and I was like, let me just see stuff.

1338
00:54:45,320 --> 00:54:48,600
Speaker 1: It's like put a ring on it. Damn, we're doing here?

1339
00:54:48,840 --> 00:54:49,600
Speaker 1: What are what are we?

1340
00:54:49,680 --> 00:54:49,839
Speaker 2: Chris?

1341
00:54:49,920 --> 00:54:50,880
Speaker 4: What is it? What are we doing here?

1342
00:54:50,920 --> 00:54:51,960
Speaker 2: Are you coming? Are you going to stay?

1343
00:54:53,200 --> 00:54:54,840
Speaker 3: I had commitment issuans with the city. I was like,

1344
00:54:54,880 --> 00:54:56,640
Speaker 3: I just don't want to make the wrong decision. What

1345
00:54:56,760 --> 00:54:58,120
Speaker 3: if LA was really the right one?

1346
00:54:58,760 --> 00:55:01,160
Speaker 4: All back, it's right the It's not going to be

1347
00:55:01,280 --> 00:55:01,839
Speaker 4: off the map.

1348
00:55:02,440 --> 00:55:04,160
Speaker 3: I know, I know, but I was like, I was like,

1349
00:55:04,160 --> 00:55:05,880
Speaker 3: I want to just check because like all my families here,

1350
00:55:05,920 --> 00:55:07,799
Speaker 3: I have a niece, my niece, she's three years old.

1351
00:55:08,400 --> 00:55:10,120
Speaker 3: I love being around her. And that was probably the

1352
00:55:10,200 --> 00:55:13,080
Speaker 3: hardest part. I heard my brother and my sister in law,

1353
00:55:13,160 --> 00:55:15,480
Speaker 3: but I love hanging out with them. My parents are

1354
00:55:15,640 --> 00:55:18,080
Speaker 3: getting older, so I was like, I want to leave

1355
00:55:18,120 --> 00:55:20,160
Speaker 3: this area, a place I've lived Southern California my whole life,

1356
00:55:20,160 --> 00:55:22,320
Speaker 3: born and raised out of here. But I just I

1357
00:55:22,440 --> 00:55:24,279
Speaker 3: was drawn to San Francisco. I love the weather, I

1358
00:55:24,440 --> 00:55:26,480
Speaker 3: like being able to walk and take pub with Traansas Station.

1359
00:55:27,000 --> 00:55:28,719
Speaker 3: It's just like it was just it was a good time.

1360
00:55:28,840 --> 00:55:31,200
Speaker 3: So I finally said I'm going to do it. And

1361
00:55:31,360 --> 00:55:34,359
Speaker 3: actually we're recording this. I'm about a week out from

1362
00:55:34,440 --> 00:55:35,600
Speaker 3: the official move up.

1363
00:55:37,800 --> 00:55:38,960
Speaker 2: That is so exciting.

1364
00:55:39,200 --> 00:55:41,560
Speaker 4: I love a fresh new and fresh new year, fresh

1365
00:55:41,680 --> 00:55:42,120
Speaker 4: new move.

1366
00:55:42,320 --> 00:55:43,680
Speaker 2: You got all this fresh new energy.

1367
00:55:43,760 --> 00:55:44,160
Speaker 4: I love that.

1368
00:55:44,440 --> 00:55:46,560
Speaker 1: And you got a new San Francisco girlfriend too, right.

1369
00:55:47,160 --> 00:55:50,200
Speaker 3: Yeah, that's where I had to tell my friends. I

1370
00:55:50,280 --> 00:55:52,200
Speaker 3: was like, I was planning to move before I met her.

1371
00:55:52,320 --> 00:55:53,439
Speaker 3: That wasn't my man moving jail.

1372
00:55:53,480 --> 00:55:55,600
Speaker 1: So you were. But I think that's so beautiful, and

1373
00:55:55,680 --> 00:55:59,640
Speaker 1: I mean, listen, like you're doing something really courageous. You know,

1374
00:55:59,719 --> 00:56:03,040
Speaker 1: you did a long, long marriage and like you went

1375
00:56:03,120 --> 00:56:05,880
Speaker 1: through that grieving process, you got into therapy. Like I

1376
00:56:05,920 --> 00:56:07,520
Speaker 1: give you a lot of shit because I love you,

1377
00:56:08,080 --> 00:56:09,600
Speaker 1: but I just think I just want to give you

1378
00:56:09,680 --> 00:56:14,000
Speaker 1: some flowers, buddy. And also it's exciting. It's like it's

1379
00:56:14,080 --> 00:56:15,960
Speaker 1: never too late to just like choose to start a

1380
00:56:16,080 --> 00:56:19,360
Speaker 1: brand new fing chapter, get up and move, you know,

1381
00:56:19,520 --> 00:56:22,560
Speaker 1: and do it for yourself, because yes, your niece and

1382
00:56:22,680 --> 00:56:26,000
Speaker 1: yes your parents, but also what about Chris, Like what

1383
00:56:26,160 --> 00:56:29,480
Speaker 1: about the life that you deserve to have? You know,

1384
00:56:29,680 --> 00:56:30,960
Speaker 1: look the way that you wanted to look.

1385
00:56:31,360 --> 00:56:33,200
Speaker 4: Yes, and just like you went to s F five

1386
00:56:33,280 --> 00:56:35,319
Speaker 4: times last year, you can go to LA five times

1387
00:56:35,360 --> 00:56:35,840
Speaker 4: and living and.

1388
00:56:36,280 --> 00:56:38,600
Speaker 1: It's just order to do it living and reverb But are.

1389
00:56:38,560 --> 00:56:41,440
Speaker 2: You just doing a flipp and yes, you just reversing it.

1390
00:56:41,520 --> 00:56:43,839
Speaker 4: You're not like erasing it from your life. You're just saying, oh,

1391
00:56:43,880 --> 00:56:45,840
Speaker 4: I want the ratio to be reversed. I want to

1392
00:56:45,880 --> 00:56:47,920
Speaker 4: be there more and here when I want, and you

1393
00:56:48,000 --> 00:56:48,480
Speaker 4: can always go.

1394
00:56:49,200 --> 00:56:51,560
Speaker 3: That's true. I appreciate all this, like say all those

1395
00:56:51,600 --> 00:56:53,759
Speaker 3: good words. I'm feeling all this energy because because even

1396
00:56:54,000 --> 00:56:55,719
Speaker 3: Mandy looks to make many feel bad again because she's

1397
00:56:55,920 --> 00:56:57,600
Speaker 3: was insult to me a lot at the beginning. She

1398
00:56:57,920 --> 00:57:02,000
Speaker 3: was so supportive as when I was yeah, Mandy, you've

1399
00:57:02,000 --> 00:57:03,640
Speaker 3: been hating on me and being so mean to me.

1400
00:57:03,880 --> 00:57:06,840
Speaker 3: But you're also you were so supportive, so kind. We

1401
00:57:07,520 --> 00:57:09,440
Speaker 3: talked about this a few times. Mandy came down to

1402
00:57:09,600 --> 00:57:11,759
Speaker 3: l A and we went on a hike where we

1403
00:57:11,880 --> 00:57:13,719
Speaker 3: almost fell. The fact, almost fell off an edge a

1404
00:57:13,719 --> 00:57:17,479
Speaker 3: couple of times. But you were sharing your.

1405
00:57:17,560 --> 00:57:19,240
Speaker 1: Your sweight, glands do not belong in l A. You

1406
00:57:19,320 --> 00:57:21,160
Speaker 1: need to be in some temperate climates, buddy.

1407
00:57:21,280 --> 00:57:26,960
Speaker 3: I was, let me tell you, swinging like cool by

1408
00:57:26,960 --> 00:57:31,440
Speaker 3: the time that was over. But yeah, Mandy was so supportive.

1409
00:57:31,960 --> 00:57:33,800
Speaker 3: She shall share so many stories about you. I feel

1410
00:57:33,840 --> 00:57:36,240
Speaker 3: like you have no problem being courageous and stepping out

1411
00:57:36,280 --> 00:57:38,640
Speaker 3: there and trying new things. And I'm the exact opposite.

1412
00:57:38,640 --> 00:57:40,600
Speaker 3: And I'm like, hold up, let me make a spreadsheet

1413
00:57:40,640 --> 00:57:41,920
Speaker 3: and let me put you the options.

1414
00:57:43,800 --> 00:57:45,200
Speaker 2: We see that. We see that now.

1415
00:57:45,600 --> 00:57:49,600
Speaker 3: Yes, I'm excited. Thank you for the encouragement. I appreciate it.

1416
00:57:49,760 --> 00:57:51,200
Speaker 3: I'm really excited for this next pace here.

1417
00:57:51,280 --> 00:57:52,240
Speaker 1: We can't wait to visit.

1418
00:57:54,160 --> 00:57:55,840
Speaker 2: You. So many great people.

1419
00:57:55,920 --> 00:57:57,480
Speaker 4: Yes, also have to say burners off. There's a lot

1420
00:57:57,520 --> 00:57:58,800
Speaker 4: of good people and that stuff. It can be like

1421
00:57:58,880 --> 00:58:00,520
Speaker 4: a good little tech hoods.

1422
00:58:00,640 --> 00:58:05,840
Speaker 1: I'll get us in each corner of the country. Yeah, yeah,

1423
00:58:06,800 --> 00:58:09,480
Speaker 1: oh well, this was so fun. First episode of Brown

1424
00:58:09,480 --> 00:58:13,600
Speaker 1: Ambition for the year. I can't believe it. I feel

1425
00:58:13,640 --> 00:58:15,200
Speaker 1: the need to be like Tiffany, I love you, I

1426
00:58:15,320 --> 00:58:18,280
Speaker 1: miss you. But yeah, Nelly and Chris, I can't thank

1427
00:58:18,320 --> 00:58:20,360
Speaker 1: you so much has been I really look forward to it,

1428
00:58:20,400 --> 00:58:21,920
Speaker 1: and I was worried I wasn't going to have that

1429
00:58:22,000 --> 00:58:24,040
Speaker 1: same level of like giddy, Oh I get to go

1430
00:58:24,120 --> 00:58:27,280
Speaker 1: talk to my friend, but still provide value to the audience.

1431
00:58:27,320 --> 00:58:28,520
Speaker 1: And I hope be a fan. You feel like we

1432
00:58:28,600 --> 00:58:31,920
Speaker 1: really poured into you, get you some great tips for

1433
00:58:32,040 --> 00:58:34,200
Speaker 1: the new year, got you off to a good start.

1434
00:58:34,320 --> 00:58:38,280
Speaker 1: Yan Elly and Chris, thank you so much. So Chris,

1435
00:58:38,360 --> 00:58:42,000
Speaker 1: you're at popcorn, popcorn finance everywhere. Yeah, Nelly, you're at

1436
00:58:42,040 --> 00:58:46,960
Speaker 1: miss be Helpful everywhere. We're gonna put your social handles

1437
00:58:47,120 --> 00:58:50,160
Speaker 1: in the show notes, so everyone go follow and check

1438
00:58:50,200 --> 00:58:52,960
Speaker 1: out their work. And I think I just snuck away

1439
00:58:53,000 --> 00:58:55,200
Speaker 1: without doing a Brown boost or break on my own.

1440
00:58:55,680 --> 00:58:56,080
Speaker 3: I'm going to.

1441
00:58:59,200 --> 00:59:02,040
Speaker 1: Just real quick Google, I actually did just become an

1442
00:59:02,040 --> 00:59:04,240
Speaker 1: affiliate partner and I chase them down because I love

1443
00:59:04,360 --> 00:59:07,560
Speaker 1: this AI tool so much. It's called teal t e

1444
00:59:07,760 --> 00:59:11,120
Speaker 1: a L It's a AI resume, and I love this

1445
00:59:11,280 --> 00:59:14,200
Speaker 1: LinkedIn profile tool that and it actually has so much

1446
00:59:14,240 --> 00:59:16,560
Speaker 1: more than just that, but it'll help you, like take

1447
00:59:16,640 --> 00:59:19,520
Speaker 1: the It drives me nuts when people don't apply for

1448
00:59:19,560 --> 00:59:22,600
Speaker 1: a job because their resume isn't perfect. I feel like

1449
00:59:22,640 --> 00:59:25,640
Speaker 1: that's you, Chris, but like over but it's not as

1450
00:59:25,680 --> 00:59:27,520
Speaker 1: good as it could be. Blah blah blah. And then

1451
00:59:27,520 --> 00:59:30,760
Speaker 1: they spend hours or hundreds of dollars like hiring someone

1452
00:59:30,800 --> 00:59:32,960
Speaker 1: to do it for them. That this is like, I'm like, yes,

1453
00:59:33,040 --> 00:59:36,040
Speaker 1: because I hate editing resumes. I don't spend time on it.

1454
00:59:36,160 --> 00:59:38,360
Speaker 1: I believe in personal connections. But if you're going to

1455
00:59:38,440 --> 00:59:41,000
Speaker 1: do it, use a tool like teal They make it

1456
00:59:41,120 --> 00:59:43,200
Speaker 1: so simple. And I'll put a link to put my

1457
00:59:43,240 --> 00:59:46,200
Speaker 1: affiliate link in the show notes. So y'all go support

1458
00:59:46,240 --> 00:59:49,840
Speaker 1: a girl. But yeah, that's my boost teal Ai and

1459
00:59:50,480 --> 00:59:53,000
Speaker 1: I hope that you guys embrace the bots. That's what

1460
00:59:53,040 --> 00:59:56,320
Speaker 1: we should call this episode, Embracing the Bots in twenty

1461
00:59:56,400 --> 00:59:56,880
Speaker 1: twenty five.

1462
00:59:57,440 --> 00:59:57,840
Speaker 2: Get with that.

1463
00:59:58,120 --> 01:00:00,160
Speaker 1: We'll workshop that I'll ask one of the bots for

1464
01:00:00,280 --> 01:00:02,280
Speaker 1: some ideas. How about that fact?

1465
01:00:03,960 --> 01:00:07,000
Speaker 2: Thank you all, Embrace the bots. Thank you Mandy.

1466
01:00:07,120 --> 01:00:07,920
Speaker 4: This was so lovely