Speaker 1: Hey, b a fan, Welcome, It's twenty twenty five. I
Speaker 1: don't know what it is about twenty twenty five, but
Speaker 1: it just smells like money. It just smells like money
Speaker 1: and possibilities. And I could not be more excited about
Speaker 1: this new chapter. Well that's a damn lie about a
Speaker 1: week ago, you know that, like the dark period in
Speaker 1: between Christmas and New Year and going back to work,
Speaker 1: when like, I don't know, you're just like you feel
Speaker 1: shitty because you've been eating way too many cookies and
Speaker 1: watching way too much trash TV and the kids are
Speaker 1: running all over and you do not even know who
Speaker 1: you are anymore except you know you for sure, you're
Speaker 1: like a pile of trash. And during that little time
Speaker 1: I was worried. I was like, wait, We've been talking
Speaker 1: about this new era for Brown Ambition for three months,
Speaker 1: three four months now, and now I'm actually in it.
Speaker 1: And I'm like, oh, dang, I got a show up
Speaker 1: and carry this show on. But I have this saying
Speaker 1: that you can do hard things, and that's true, but
Speaker 1: you don't have to do them alone. So I'm just
Speaker 1: like proud of me for not going into this new
Speaker 1: chapter alone and for inviting two of my favorite people
Speaker 1: on the internet streets and irl to join me and
Speaker 1: be a fan. We're testing out this little, this little
Speaker 1: new thing, and I want ba fam, I want y'all
Speaker 1: to tell me how you like it. We got a
Speaker 1: dude in this dude like that never happens. Do we
Speaker 1: care what Chris thinks?
Speaker 2: Do you like the sound of his voice?
Speaker 1: Like? Do you want to hear from him?
Speaker 2: I don't know.
Speaker 1: We're gonna test it out.
Speaker 2: I don't know Chris.
Speaker 1: I don't know if we care. I don't know. I
Speaker 1: don't know if we want the male perspective. But we'll
Speaker 1: find out. We'll see how we feel.
Speaker 2: We'll find out.
Speaker 1: But we have two incredible, incredible co hosts. Today. We
Speaker 1: got Ya Nellies Finale, Miss be Helpful, and we have
Speaker 1: Chris Browning of Popcorn Finance and my brother from another
Speaker 1: mother And welcome to Brown Ambition, y'all. Happy New Year,
Speaker 1: Happy New Year.
Speaker 3: I'm really happy you haven't changed because you were insulted
Speaker 3: me last year and now I insulted me in twenty
Speaker 3: twenty five. I appreciate it.
Speaker 2: And will continue.
Speaker 1: It's my love language. Yan Ellen. You'll know that I
Speaker 1: love you a lot. No I won't mess with you
Speaker 1: on lle She's just too You're too perfect.
Speaker 2: Oh don't guess me up now, All right.
Speaker 1: Twenty twenty five is here. How are y'all feeling? How
Speaker 1: is the holiday?
Speaker 2: It was good?
Speaker 4: I had like some I don't know, I just feel
Speaker 4: like I had so much going on, and I forced
Speaker 4: myself to really take the break. Like I was not
Speaker 4: checking emails, I was not looking. I was like, nope,
Speaker 4: I'm I know, because you didn't respond to mine until.
Speaker 2: Like imun til yesterday.
Speaker 4: Because I was like, you know what, I'm really not
Speaker 4: going to do it like I promised myself and I didn't.
Speaker 2: I didn't.
Speaker 4: I did a little posting on social media, but that
Speaker 4: was it. I was like, I'm not checking emails, I'm
Speaker 4: not taking phone calls, I'm not dropping on zoom. And
Speaker 4: it was just so nice, you know, because like that's
Speaker 4: what the break is supposed to be.
Speaker 2: But we be pushing ourselves.
Speaker 3: I do.
Speaker 4: I push myself to what work work all the time.
Speaker 4: I feel like if I'm resting, I'm not being productive.
Speaker 2: And I did not fall for that trap.
Speaker 4: I was really arresting and I was a little sick,
Speaker 4: but I got recovered through it.
Speaker 2: Pretty quickly.
Speaker 4: So I feel like I'm glad that I'm like bouncing
Speaker 4: back now that I had the chance to actually rest.
Speaker 1: I'm happy for you because y'all are going to get
Speaker 1: to know y'all, Nelly. But you're such a burst of
Speaker 1: sunshine and like energy, and I just and when I
Speaker 1: meet people like you, I'm like, ooh, I hope she
Speaker 1: plugs herself in and like really recharges, because it's not
Speaker 1: easy to be that.
Speaker 2: It's not but I.
Speaker 4: Gotta say, you know what I gotta say. People ask
Speaker 4: me all the time, like, girl, what do you do?
Speaker 4: Like do you drink coffee? And I don't. I don't
Speaker 4: drink coffee. I genuinely just wake up in the morning
Speaker 4: with so much freaking energy and like excitement for the day.
Speaker 4: And it's funny because my boyfriend is extremely introverted and
Speaker 4: quiet and calm, and so he wakes up in the
Speaker 4: morning and he's just like I need like how.
Speaker 2: Does he dive minutes?
Speaker 4: And I'll wake up and I'm like, Babe, I gotta
Speaker 4: tell you about this crazy dream I just had.
Speaker 2: Oh my goodness.
Speaker 4: He's like, I just need five minutes, five minutes please,
Speaker 4: And I'm.
Speaker 2: Like, no, I gotta tell you right now.
Speaker 4: Otherwise ever forget So we're it's like total opposites in
Speaker 4: that way.
Speaker 2: But no, girl, my energy is always on one hundred.
Speaker 1: Yeah, but you do need some time to get back
Speaker 1: to yourself and like recharge. And for those who may
Speaker 1: not be familiar with you, Nelly, you've been You've both
Speaker 1: been guests on the show before, but ya, NELLI remind them,
Speaker 1: remind BA fan quickly, like who you are and what
Speaker 1: your POV is in the work that you do with.
Speaker 2: Personal finance of course.
Speaker 4: So I mean, I'm honored first of all to be
Speaker 4: on here with y'all, both because I've been watching y'all
Speaker 4: four years in love y'all.
Speaker 2: But I started a YouTube channel in twenty fifteen, so.
Speaker 4: Ten whole years ago now, just as like a little
Speaker 4: hobby thing. Like on the side, I was really not
Speaker 4: happy at my job, my full time job that I had,
Speaker 4: and so YouTube was just like an outlet for me
Speaker 4: to like go home and have fun and like you know,
Speaker 4: put myself out there.
Speaker 2: So I was on a debt repayment journey.
Speaker 4: I paid off twenty thousand dollars of credit card debt.
Speaker 4: I was a teacher at the time, I transitioned my
Speaker 4: career over to financial education and became a full time
Speaker 4: financial educator, working with a nonprofit that basically promotes financial
Speaker 4: literacy in schools and specifically trying to get every high
Speaker 4: school in America to guarantee to make sure that every
Speaker 4: single student gets access to a full semester course about
Speaker 4: personal finance before they graduate.
Speaker 2: And so yeah, I continue to do that.
Speaker 4: I'm in a part time role now, so on the
Speaker 4: side of that, I'm doing Misbe Helpful as well, which
Speaker 4: is my social media platform brand and speaking. And then
Speaker 4: of course, in twenty twenty three, I published my book
Speaker 4: Mind Your Money, which was like a massive project.
Speaker 2: Mandy.
Speaker 4: I know you're to think of it now, you're in
Speaker 4: the think of it now, but I'm really glad it's
Speaker 4: over and just yeah, excited to be pushing that out
Speaker 4: and making sure that people have relatable voices to hear
Speaker 4: talking about money and all things finance.
Speaker 1: And you're just living like the Dinks life, dual income,
Speaker 1: no kids in Miami. Yeah, they're both so hot, like
Speaker 1: you and your husband are just like, it's just so
Speaker 1: pretty there.
Speaker 2: I don't get me up now.
Speaker 1: I know you don't need any guess, but I know.
Speaker 2: Let me give you a figure. Yeah, and your background.
Speaker 1: You're from New York though, right, I'm.
Speaker 2: From Brooklyn originally, Yep.
Speaker 4: I spent my whole life in Brooklyn, and then I
Speaker 4: spent four using Providence for college.
Speaker 1: Oh man, I guess I'll let this dude talk.
Speaker 3: I mean, I don't have to. It's just like I'm
Speaker 3: listening to a podcast where I get to be on
Speaker 3: camera for some reason. You know, it's okay.
Speaker 1: No, I truly like, I love your bud. How's it going? Popcorn?
Speaker 1: I really do. I'm a fan.
Speaker 3: Honestly forgot I was on the show. I was like, man,
Speaker 3: this is a really good episode.
Speaker 1: Tell the folks about popcorn finance and what all you
Speaker 1: do that's so important in this world.
Speaker 3: I do joke off popcorn finance as short form podcast.
Speaker 3: I've been doing it for about seven years, Nellie. I
Speaker 3: didn't know. I've I've been watching Ellie and do all
Speaker 3: the amazing stuff for so long. I didn't know that
Speaker 3: you've been doing it for ten years on YouTube. That's
Speaker 3: a long time.
Speaker 1: Hopefully one day I'll bet twenty two. We needed the
Speaker 1: youth vote.
Speaker 3: When I started, just a baby when you started. But
Speaker 3: I know, I started the show just for fun. It
Speaker 3: was like kind of like you, and I was like,
Speaker 3: you know, I kind of wanted to do want to
Speaker 3: try it out. I was like, at do this podcast thing,
Speaker 3: Say how it works out. I did the first episodes
Speaker 3: in the front seat of my car on my phone,
Speaker 3: this with a notebook on my lunch breaks, and I
Speaker 3: just organically kept growing and I decided to keep doing
Speaker 3: even though I want to quit a bunch of times.
Speaker 3: And it kind of turned just really fun career that
Speaker 3: I didn't expect that I'd be doing it all. I
Speaker 3: was working as a bookkeeper and then a financial analyst,
Speaker 3: and I eventually left my day jab a couple more
Speaker 3: three years ago at this point now to do this
Speaker 3: full time. So I do the podcast, I do some
Speaker 3: writing for Men's Health. I'll do some stuff on the news,
Speaker 3: some random stuff on video when I get a chance too.
Speaker 3: Just it's turned a really fun way of teaching something
Speaker 3: that I think a lot of people need to know
Speaker 3: about a lot of people that are really scared and
Speaker 3: uncomfortable to talk about. So I hope that I'm helping
Speaker 3: people out feel a little more comfortable, a little less
Speaker 3: scared when it comes to talking about money. But yeah,
Speaker 3: there's been been a good, good run doing popcorn finance
Speaker 3: for all this time.
Speaker 1: I love how different we all are. So I'm suburban
Speaker 1: mom trying not to be in this with my cheering
Speaker 1: yan Nellie, your partnered in Miami. And then Chris, are
Speaker 1: you single? Pringle? What's going on in your life? What's
Speaker 1: your home life situation like.
Speaker 3: My homeland situation. I knew, I knew it. I knew it.
Speaker 3: I've been I've been waiting for this day because I
Speaker 3: was like, Maddie's gonna jump right into She's gonna give
Speaker 3: me three and a half seconds to act like she's
Speaker 3: not gonna ask me this question.
Speaker 1: If I'm gonna have a dude in the dude, let
Speaker 1: me just go ahead and answer. Asked the question. Be
Speaker 1: a fan wants to know. I was like, your beard connects,
Speaker 1: You're not terribly unfortunate to look at and you are
Speaker 1: a nice dude. So just let the ladies know what's
Speaker 1: going on.
Speaker 3: I am well, I was was married for a long time.
Speaker 3: Uh single as of last year. Maddie Maddie that she
Speaker 3: didn't know my story. She knows what's going I haven't
Speaker 3: talked to you a.
Speaker 1: Couple of weeks, things could change.
Speaker 3: She has my whole story.
Speaker 1: It's a situation in your love life.
Speaker 3: But I did recently start seeing someone for her and.
Speaker 1: Then for I wasna say, don't say her name yet.
Speaker 3: No, no, no, no. She was like, don't say my name.
Speaker 3: She's like, she's like, you know, she's like, I need
Speaker 3: people coming for me. Just you can just get me
Speaker 3: to this, give me to.
Speaker 1: This way way way, way, way, way way. I don't
Speaker 1: know if we're like I don't know if it's like
Speaker 1: one of the boy band people, like when Harry Style
Speaker 1: starts dating someone in his fans like attack the other person.
Speaker 1: I don't think this is like no, I just want
Speaker 1: to bring you down to earth.
Speaker 3: Oh no no no, I didn't say this.
Speaker 2: These are not my work, right, she said it. She
Speaker 2: said I got your back. She said it not you.
Speaker 1: She here's the ba fam. I don't know, no, no, no, no.
Speaker 3: She In general, she was like, she was like, you know,
Speaker 3: because she's a very private person, she's not really on
Speaker 3: social media like that. So I was like, I get
Speaker 3: it's like, look, no one's gonna care, no one cares
Speaker 3: about me like that. You'll be fine. But she was
Speaker 3: like it's fine. You don't feel you don't have to,
Speaker 3: so I'll call her b for now. Just keep for
Speaker 3: sure be uh. It's very new, been a couple of
Speaker 3: months dating, but it's been nice. It's been a really
Speaker 3: great person.
Speaker 1: I'm glad that I had enough time being single Chris's
Speaker 1: friend and like being aware of it to give you
Speaker 1: all kinds of funny, useless dating advice and tease you
Speaker 1: about it. But now that you're boot up, all right,
Speaker 1: it's fine. The man taken for now, y'all. Okay, so
Speaker 1: what's your superpower? So, y'all, Nelly, Chris, you know, I'm
Speaker 1: the negotiation queen. Tiffany was always our business batty. Now
Speaker 1: I'm kind of holding up that we're all business batties here.
Speaker 1: But like, what do you love talking about? What's your
Speaker 1: favorite thing to coach people in? What do people come
Speaker 1: to you for? Yeah, Nelly, you go first.
Speaker 4: So for me, it's really much like it's very very
Speaker 4: much rooted in the beginner stuff around money, you know,
Speaker 4: like I target younger professional so like you're fresh out
Speaker 4: of college and you're just starting to wrap your mind
Speaker 4: around money. You don't have a budget, you probably have
Speaker 4: some debt, you need to repay. You are just trying
Speaker 4: to figure out what the heck is a credit score
Speaker 4: and what is yours? You know, just like I'm a
Speaker 4: really good intro into money. And then the other piece
Speaker 4: I would say, like I'd love to talk about for
Speaker 4: hours and hours an hours, is just you know, financial
Speaker 4: literacy education in the school system, Why we don't have it,
Speaker 4: why we need it more of it, And really dedicated
Speaker 4: my career to making sure that it is in schools
Speaker 4: because I used to be a teacher and I just
Speaker 4: remember thinking like, how is it possible that when I
Speaker 4: was sitting in the student seat, I never got taught
Speaker 4: financial literacy?
Speaker 2: And then now I'm a.
Speaker 4: Teacher, I'm at the front of the classroom and I
Speaker 4: still don't see any financial literacy in the curriculum. When
Speaker 4: the hell is this going to change? So yeah, I
Speaker 4: mean I would say those are my two things, like
Speaker 4: coming in intro very much like Guide to Money one
Speaker 4: on one, and then also financial education in schools.
Speaker 1: Awesome, all right, Chris?
Speaker 3: Who I say?
Speaker 4: For me?
Speaker 3: I think the thing that I feel like I handle
Speaker 3: well that I do the best is I really like
Speaker 3: learning about really complicated things and then trying my best
Speaker 3: to break it down, to make it as simple as possible.
Speaker 3: I think there's too many people who like to sound
Speaker 3: real smart by using a bunch of big words, make
Speaker 3: stuff sound so complicated you get no idea what they're
Speaker 3: talking about. And to me, that just helps nobody. Like,
Speaker 3: I don't care if anyone thinks that I'm the smartest
Speaker 3: person in the room. If I can at least make
Speaker 3: something sound simple and understandable to people, that's that's the
Speaker 3: whole point, right, because we all want to understand this,
Speaker 3: and we all just feel scared and intimidated, and people
Speaker 3: just throw a bunch of stuff at us that makes
Speaker 3: no sense at all, one topic.
Speaker 1: That you love to just like you're just like that
Speaker 1: guy at the cookout where it's like Jesus Christ, here
Speaker 1: comes Curtsey. I'm talking about insurance policies. What's your thing?
Speaker 2: Well, hope we're not insurance.
Speaker 3: Both, No, it's not insurance policies. I hope I'm not
Speaker 3: that person. Don't get me started on topalking about like
Speaker 3: the insurance.
Speaker 2: People who love insurance, Like, yeah, no.
Speaker 1: What did you just say say in your voice to
Speaker 1: men voice?
Speaker 4: What was it?
Speaker 3: I was like Federal Reserve on the Federal Reserve. That's
Speaker 3: I love talking about like reading about it, talking about
Speaker 3: it interest rates.
Speaker 4: So like more economic and how that affects your personal finances.
Speaker 3: Oh yeah, because it's fascinating. It's so broad and it's
Speaker 3: so complicated. Its ridiculously complicated. But when I can find
Speaker 3: a little piece and I understand it, I love just
Speaker 3: like just digging into and talking about it more.
Speaker 1: That is such a good segue for one of the
Speaker 1: first things I wanted to talk about, which is Beyonce Bowl.
Speaker 1: Did you guys watch the Beyonce halftime?
Speaker 2: Who did not watch it? And why not? That's what
Speaker 2: I want to know.
Speaker 1: How many times have you watched it? Because I like
Speaker 1: to prescribe myself twice a day. That's what I'm getting
Speaker 1: ready and like once when the kids come home because
Speaker 1: they like it.
Speaker 4: I haven't watched it that many times, but I've definitely
Speaker 4: seen at least two times full and then so many
Speaker 4: clips and replays on social media that I feel like
Speaker 4: I don't seen it ten times at this point now
Speaker 4: because of all the little clips on social But honestly,
Speaker 4: she killed it.
Speaker 2: It was amazing.
Speaker 4: I could watch it ten times and be fine. I
Speaker 4: would have no problems watching it twice a day, like
Speaker 4: it was amazing. She's so incredible and like if anybody
Speaker 4: does not believe she is the best entrepreneur and entrepreneurial
Speaker 4: performer of our time. Like your bucket, you're tripping, go
Speaker 4: take a break posted down somewhere.
Speaker 3: And why it was so crisp. I was like, this
Speaker 3: is putting every Super Bowl halftime show I seen to shame.
Speaker 3: I was like, this is a random game in the
Speaker 3: middle of the year on Netflix, and I was like,
Speaker 3: this is eight K or something that was like the
Speaker 3: blew everything else out of the water.
Speaker 1: I could not tell you who played the game.
Speaker 2: I couldn't tell you.
Speaker 1: I was as I knew that it.
Speaker 2: Was in Texas. I knew that, but we were my family.
Speaker 4: It was Christmas Day because usually a lot of Latin
Speaker 4: American countries you celebrate Christmas on Christmas Eve, so my
Speaker 4: family CELEBRATESYNA. But they're so many of us, so like
Speaker 4: I have so many siblings, Like trying to get everybody
Speaker 4: together on the day of the holiday is it's not
Speaker 4: gonna work right with other schedules. So we always say,
Speaker 4: like celebrate the actual holiday, now out with like your husbands,
Speaker 4: your wife, your kids, your partners, and then on Christmas
Speaker 4: Day we all come together. So we were together on
Speaker 4: Christmas Day and I'm like, you know, We're having our
Speaker 4: little drinks or hookto or ponto whatever, and all of
Speaker 4: a sudden, my sister.
Speaker 2: Goes, oh his life, they have says on and I
Speaker 2: drop everything. I dropped stuff on the.
Speaker 4: Table, just ran over to the other room, and everybody
Speaker 4: quiets down and we're just like stuck to the screen,
Speaker 4: like this was so amazing.
Speaker 2: Everybody, Yes, oh my goodness.
Speaker 4: And then afterwards, when you see the clips on social
Speaker 4: you get to see them behind the scenes, the working
Speaker 4: of it. Yeah, and then it's just even oh my goodness,
Speaker 4: Like now I'm even more in awe because I saw
Speaker 4: her like walking ahead, go get her little water, take
Speaker 4: her at quick break, and then jump right back in
Speaker 4: and the back behind the scenes stuff, I mean talk
Speaker 4: about like art and genius Like that was just so brilliant.
Speaker 2: I love watching those behind the scenes clips.
Speaker 1: Chris, your thoughts.
Speaker 3: The greatest live performer of all time? I mean, she
Speaker 3: might be up to I mean, I guess you put
Speaker 3: Michael Jackson up there. Of course you guys are, but
Speaker 3: I mean to be that perfect and crisp, like, no,
Speaker 3: she's walking up and now to me, when ever someone's
Speaker 3: walking downstairs on the performance, I'm always like, oh, but
Speaker 3: she she shouldn't stumble, shouldn't trip, shouldn't mess up. And
Speaker 3: it's just you know that she if she's out there,
Speaker 3: she's put in so many hours, and you know that
Speaker 3: if anyone back behind her is dare instead of doing something,
Speaker 3: they had to put in a bunch of hours. So
Speaker 3: she's not gonna let anybody just be up there behind
Speaker 3: there making her look bad. It was on I mean,
Speaker 3: and it was the fact that it was like she
Speaker 3: was on all yeah, horses, you got cars, you got
Speaker 3: this band coming through. It was I was blown away.
Speaker 3: I was I remember because my family.
Speaker 1: You're not yup. I couldn't put the way that I was, like,
Speaker 1: I can't write this book, you know, and like I'm
Speaker 1: gonna do this challenge that I wanted to launch at
Speaker 1: the beginning of the year. I'm gonna get that shit
Speaker 1: done because she just makes you it's just magical. Thanks God.
Speaker 1: She's just like the antidote I feel like to women
Speaker 1: of color, just like black women, especially just a walking, living,
Speaker 1: breathing love letter.
Speaker 4: Yes, and it's true. You know, even I talk to
Speaker 4: students a lot about Beyonce as an entrepreneur because people
Speaker 4: love to talk about, oh but the singing and the
Speaker 4: dancing and da da da, and it's like, listen, don't
Speaker 4: sleep on the fact that she took that Beachella performance
Speaker 4: and turned it into a from a four million dollar performance,
Speaker 4: which people were like shocked that was so low for her.
Speaker 4: She usually charges way more than that for a live performance.
Speaker 4: She charged four million dollars to perform at Coachella because
Speaker 4: there was a clause in the contract that said that
Speaker 4: she would get exclusive rights to all of the footage
Speaker 4: of the Coachella performances on both weekends. And what does
Speaker 4: she go ahead and do turn right around and sell
Speaker 4: that footage.
Speaker 2: To Netflix for sixty million dollars.
Speaker 4: So, you know, if people don't understand the entrepreneurial stuff
Speaker 4: happening behind and of course she has a team and
Speaker 4: she has her people, and it's not like she's doing this.
Speaker 2: All by herself.
Speaker 4: But still for somebody to say anything that about that
Speaker 4: is just to me.
Speaker 2: I just I don't understand, like it's to.
Speaker 3: Me, See Mandy, I'm gonnake you Fela, because I'm gonna
Speaker 3: give a complimence that you've been insulting me all day,
Speaker 3: but we're not trying. When I see Mandy, right, you
Speaker 3: have such a great mind, right, because there's so many
Speaker 3: people who are talented, like you said, like Beyonce very talent,
Speaker 3: obviously extremely talented, Mandy very talented, but they also have
Speaker 3: the mind to turn that into something.
Speaker 4: Right.
Speaker 3: I've seen so many people who are good at something
Speaker 3: who is just a gift. They enjoy it, people enjoy,
Speaker 3: but it's like they don't have that ability to turn
Speaker 3: that into something. And I think that's what separates Beyonce
Speaker 3: from a lot of other people. And Maddy, when I
Speaker 3: see you, you are always thinking about something. You always
Speaker 3: got something to turn it in your mind. You always
Speaker 3: got an idea, and that's what separates.
Speaker 4: You from.
Speaker 3: Good.
Speaker 1: For my dad, honestly, I had to come to Jesus
Speaker 1: moment where I'm like I am my father and my
Speaker 1: father was a used car salesman. He is a great salesman.
Speaker 1: And he's also like he repels traditional work, like he
Speaker 1: just repels having a boss and all that kind of stuff. Anyway,
Speaker 1: Well think I appreciate that, but I really believe in
Speaker 1: that you know I was thinking about sort of like
Speaker 1: twenty twenty five and looking ahead and trying to not
Speaker 1: make traditional resolutions, but just I did think about like
Speaker 1: a vibe or like a tone I wanted to go
Speaker 1: into this year with and like make decisions through because
Speaker 1: I think I kind of lost, like financially I lost.
Speaker 1: I've been pretty like transparent about some of the financial
Speaker 1: struggles that I've had because I've been writing this book
Speaker 1: and taking my foot off the business gas and like
Speaker 1: you know, trying to pause things like and grow, sew
Speaker 1: some seeds or plant some seeds or whatnot. Anyway, and
Speaker 1: I feel like some of the choices I was making
Speaker 1: financially this year were just not as tied to my
Speaker 1: values and to what I enjoy as much. And I
Speaker 1: think as a parent, like you do find yourself giving
Speaker 1: so much for the children and for like what would
Speaker 1: make them happy. And I'm hoping in twenty twenty five,
Speaker 1: I just want to go back to a space of
Speaker 1: like really you know, making financial moves for the lens
Speaker 1: of like what my values are and of course like
Speaker 1: the kids are there, but like long term values of
Speaker 1: like us being free to spend lots of time with
Speaker 1: them when they are older, and like being available to
Speaker 1: help them and be part of their community when they
Speaker 1: are you know, starting their own families or traveling, and
Speaker 1: like I want to be free for them later and
Speaker 1: like so me and creating like experiences with them versus
Speaker 1: like buying stuff. And I'm trying to bring so basically
Speaker 1: like trying to be a lot more selective with how
Speaker 1: I'm spending my money and reminding myself of that long
Speaker 1: I was so good about this before I had kids.
Speaker 1: I was always thinking about old Mandy and like saving
Speaker 1: for retirement and for my early retirement, and like that
Speaker 1: just kind of got lost, and I need to get
Speaker 1: we need to get back to that in twenty twenty five.
Speaker 1: And the other thing is just that community thing. And
Speaker 1: how like you mentioned with Beyonce jan Ellie and I think,
Speaker 1: I mean another thing that we have in me and
Speaker 1: Beyonce have in common because we are, like you said, Chris,
Speaker 1: like you said which I will quote, I am just
Speaker 1: like Beyonce and that I have an incredible mind exactly quick. Also,
Speaker 1: I believe in community so much, and it's one of
Speaker 1: the hardest things to like cultivate for ourselves at a
Speaker 1: certain point, like especially in our thirties, twenty thirties forties,
Speaker 1: like cultivate a community to support you through like rough patches.
Speaker 1: So that is the vibe I'm carrying into twenty twenty five.
Speaker 1: Do you guys have like a financial do you do
Speaker 1: the resolutions? Like? What do you feel like bea faan
Speaker 1: needs to hear as far as like financial goals, career
Speaker 1: goals that they may have heading into this year.
Speaker 4: Anyone, No, go for it, Chris, I want to hear yours.
Speaker 3: Oh well, you gonna be disappointed by manswer. I was going
Speaker 3: to say I'm not really great at making resolutions because
Speaker 3: I feel like I make them, and by February I
Speaker 3: already forgot whatever it was I said I was gonna do.
Speaker 1: So you don't have accountability, but I think.
Speaker 3: I did start doing like an accountability group with a
Speaker 3: couple of friends where we'll get together and we'll talk
Speaker 3: on a monthly basis some things that we want to accomplish,
Speaker 3: and then we'll meet and we'll work together, like on
Speaker 3: a zoom call for a couple of hours every week,
Speaker 3: just to kind of make sure we're all doing something,
Speaker 3: kind of check in with each other because I need
Speaker 3: that if someone doesn't ask me if I'm doing what
Speaker 3: I said I was going to do, I'm probably not
Speaker 3: going to do it.
Speaker 1: So I like, just two people write nothing crazy, Yeah,
Speaker 1: very small.
Speaker 3: Two people, very informal. We get in, we chat a
Speaker 3: little bit like this. It's a good way to keep
Speaker 3: saying contact with friends too. But then also we work
Speaker 3: together and it kind of makes us all feel motivated
Speaker 3: because when you see somebody else working, it makes you
Speaker 3: want to do something like, well, I don't want to
Speaker 3: be left behind. And we actually have a meeting next week.
Speaker 3: We'll do our first one other ye where we're going
Speaker 3: to go through and talk through what we want to
Speaker 3: do for the year, and even if we try to
Speaker 3: keep it small like do like a month at a
Speaker 3: time like opining, but we also going to maybe have
Speaker 3: a handful of things that we want to do for
Speaker 3: twenty twenty five. And I think it's making me think
Speaker 3: about it now. I'm ready for next week. But also
Speaker 3: it's like, you know, I'm looking forward to it versus
Speaker 3: normally I throw together some really weak resolutions that I'm
Speaker 3: not going to care about in a couple of months.
Speaker 3: So now that's what I'm doing this year.
Speaker 1: I think as a guy like I want more guys
Speaker 1: to be finding that community for themselves. Like I don't
Speaker 1: know if that's something that just like comes, Are you
Speaker 1: just more of a connector like that? Because I just
Speaker 1: feel like older, especially when you're older as a man,
Speaker 1: and I'm not trying to speak for an entire gender
Speaker 1: but as women do I can. I can give you
Speaker 1: some highlights of my opinion, but like there is this
Speaker 1: like loneliness and the The other day one of my
Speaker 1: guy friends was like, you know, I kind of feel
Speaker 1: like I almost forgot how to be a friend when
Speaker 1: there wasn't the structure of like school or common workplace
Speaker 1: and anyway. So I love that you said that. I'm
Speaker 1: just wondering what your take is on like just guys
Speaker 1: in general finding those connections if they feel like they've
Speaker 1: lost them.
Speaker 3: I remember Mandy asked me this when I came and
Speaker 3: help you in Tiffany with the Brown Ambition Live show
Speaker 3: last year. Game what you were like, Chris, I hear,
Speaker 3: men are really lonely.
Speaker 1: I'm like, what did I say that that sounds like?
Speaker 3: And I was like, I guess, but I will say
Speaker 3: it's sad, Chris. I was just talking to someone because
Speaker 3: these two people do the accountability thing with their women.
Speaker 3: So and I've told.
Speaker 1: Them, okay, okay, men, you do have a lot of girlfriends.
Speaker 1: I said, that was pretty suss.
Speaker 3: Yeah, look, I got an equal divide. I think it's
Speaker 3: probably fifty to fifty men and women who are friends
Speaker 3: who are friends with But what I find is that
Speaker 3: men with the friendships I have with man now, like
Speaker 3: long ones I've known since i was like really young,
Speaker 3: even these people I've known for decades, A lot of
Speaker 3: times you it stays very surface level, like you you
Speaker 3: you talk about like what you're doing in the moment,
Speaker 3: maybe with sports, maybe a movie like It's You don't
Speaker 3: dive deep into emotions, where I find oftentimes my friendships
Speaker 3: with women are more fulfilling because they're gonna be like, well,
Speaker 3: how are you really doing? And my guy friends almost
Speaker 3: never asked me that question because you're almost like, I
Speaker 3: don't want to bug them. Man, we know you get
Speaker 3: into that. So you end up with these very light
Speaker 3: interactions with men and more deep conversations with women. I find,
Speaker 3: and I think that's probably why, at least to the
Speaker 3: male kind of loneliness epidemic they talk about, because I
Speaker 3: think men have friends, but we oftentimes don't get into
Speaker 3: like deep stuff that you do don't want to talk about,
Speaker 3: but you don't you're not gonna, we don't want to
Speaker 3: bring it up, So you're just gonna like not talk
Speaker 3: about the things that you out they're probably bothering you
Speaker 3: that you really want to talk about.
Speaker 1: Well, we can't be telling everybody, all the men out
Speaker 1: there to go get some more friends who are girls
Speaker 1: because of the girlfriends and wives, like some people are
Speaker 1: not cool.
Speaker 3: Oh no, no, right, no, go to therapy.
Speaker 1: Yeah yeah, they're very involved, dude. But I just I
Speaker 1: think it's worth talking about. And I think as like,
Speaker 1: just as we move through this year having good examples
Speaker 1: of men, like I feel like we need to see
Speaker 1: more men talking to each other about those deep subjects
Speaker 1: because there's something about I think talking to someone who
Speaker 1: really gets you the way that you know, women are
Speaker 1: not going to understand full of your experience, like you know,
Speaker 1: and I feel that way about my girlfriends, and I
Speaker 1: just kind of like want that for guys as well.
Speaker 3: Yeah, you gotta. I try to do with my friends.
Speaker 3: I try to like push them to talk about some
Speaker 3: things every now and then, just to just to get them,
Speaker 3: make them a little uncomfortable and out for what's really
Speaker 3: going on in their head. And oftentimes they're receptive to
Speaker 3: it. It's just that we don't We're not. It's not ingrained
Speaker 3: in us to have I have with those type of
Speaker 3: conversations are initiated with each other.
Speaker 1: Well, maybe don't start talking about the FED so much
Speaker 1: and then open appability.
Speaker 3: I'll try. It's hard though, all.
Speaker 1: Ryan, Ellie, what about you boo? And it's cool if
Speaker 1: you have nothing, like if you're just like, I don't know,
Speaker 1: it's another year. We're not doing that, No, you know what.
Speaker 4: I I was looking at my net worth and I
Speaker 4: was like, do I want to set a networth goal?
Speaker 4: I'm so I there was an article written about me. Oh,
Speaker 4: I think, I want to say it was maybe like
Speaker 4: twenty eighteen around there.
Speaker 2: I don't know you I'll.
Speaker 4: Pull it up if you want, but it was it
Speaker 4: was from It was an article that talked about like
Speaker 4: my net worth. I was in my twenties and I
Speaker 4: had like fifty thousand dollars of savings. Now at that
Speaker 4: time that was huge because my brokeass. I mean, I
Speaker 4: come from a family where like if you have five
Speaker 4: hundred dollars you rich. So to have fifty thousand dollars
Speaker 4: that was all mine, like and it was all liquid,
Speaker 4: like it was just my cash savings, like I had
Speaker 4: done such a good job of like just saving up
Speaker 4: to cash saving cash. Now a lot of it was
Speaker 4: in like a brokerage account and stuff, but that number was.
Speaker 2: Like a big deal to me.
Speaker 4: And then like I want to say, like three years
Speaker 4: later or like, yeah, it was around like you have
Speaker 4: to COVI, so like twenty twenty one ish, So maybe
Speaker 4: three four years after that article came out, I looked
Speaker 4: at my networks and it was over five hundred K,
Speaker 4: and I was like, WHOA, Like three four years ago
Speaker 4: I had to pull together all my statements to show
Speaker 4: evidence to this article, to the people from this article
Speaker 4: that I had fifty K. And now just three four
Speaker 4: years later, we're ten x my network And that was
Speaker 4: so huge to me.
Speaker 2: But I didn't necessarily set a goal to do that.
Speaker 4: I was just like I was really on my game
Speaker 4: when it came to like my investments and maxing out
Speaker 4: this account and that account. Like I was really not
Speaker 4: necessarily frugal, but I was really intentional with my lifestyle
Speaker 4: so that I could put as much money towards my
Speaker 4: investment accounts. And of course we've had a good run
Speaker 4: of the stock market for the past couple of years,
Speaker 4: so that has definitely helped.
Speaker 2: But so that was a huge accomplishment.
Speaker 4: Now this year, I looked at it again and I'm like,
Speaker 4: I really want to set a net worth goal.
Speaker 2: Now.
Speaker 4: The reason why I don't really want to do it
Speaker 4: is because I feel like, if I do it, I'm
Speaker 4: going to I want to want to share it, right,
Speaker 4: and I want to talk about my goals and stuff,
Speaker 4: but I'm not sure I want to share like if
Speaker 4: slash when I crossed that million dollars, Like I don't know,
Speaker 4: because you know how this tiktoks back.
Speaker 2: I'm a thirty five year old millionaire.
Speaker 1: You really don't have to something about the internet, especially
Speaker 1: like being a financial creator makes you feel like you
Speaker 1: got to put all your business out there all the.
Speaker 4: Time, sane, and that's the pressure I felt like I was.
Speaker 2: I feel this.
Speaker 4: Pressure like I I'm wanting or I feel like I'm
Speaker 4: wanting to post content about you know, when I hit
Speaker 4: my million, when I'm so close, I'm here and there's
Speaker 4: where I am in relation and like, but do I
Speaker 4: really want to do that because there's some you know,
Speaker 4: some bad apples and bad players, and I'm like, don't
Speaker 4: really want everybody having.
Speaker 2: Access to that information about me.
Speaker 4: So that's been more on my headspace more so, like
Speaker 4: do I really need to set a goal around my
Speaker 4: financial network?
Speaker 2: Can I just like keep tracking it the way.
Speaker 4: I have been and like when I hit my goal,
Speaker 4: kind of have my own celebration and not put it
Speaker 4: out there on blast for everybody. But I mean, I
Speaker 4: everybody already knows I crossed the half a million dollar.
Speaker 2: Mark, so there's that.
Speaker 4: But you know, again, it just feels to me like
Speaker 4: we all work so hard for the million or the millions,
Speaker 4: and it's like I'm thinking now that maybe it doesn't
Speaker 4: make sense for me to go so public with that
Speaker 4: on my platform into like cause it doesn't really matter.
Speaker 4: And it feels to me a little bit like I'm
Speaker 4: bragging to everybody that I made a million and then
Speaker 4: why versus like what I'm doing is what matters in
Speaker 4: the strategies and like the knowledge and the books that
Speaker 4: help me get there in the podcast, and that sharing
Speaker 4: resources rather than showing like telling you my credit score
Speaker 4: doesn't do anything for you. But if I tell you
Speaker 4: what I did to improve my credit score, you can
Speaker 4: do the same and that helps you. So I'm trying
Speaker 4: to decide for my brand in general, like in the
Speaker 4: work that I'm doing, how do I push more resources
Speaker 4: and strategies and information that is actionable and not just
Speaker 4: you know, flaunting these stats and figures and numbers. So
Speaker 4: that doesn't necessarily feel to me like it's really serving
Speaker 4: anybody built myself and my big old ego.
Speaker 1: Yeah, I mean it's definitely like a building authority and trust, right,
Speaker 1: so you can show like proof of concept. But I
Speaker 1: get what you're saying, and I think I think as
Speaker 1: creators there are no rules. I think you just do
Speaker 1: whatever you feel comfortable doing. And everyone's an individual. And
Speaker 1: that's where I need to stop. Like when I go
Speaker 1: on Instagram or TikTok, I find that I just feel
Speaker 1: worse or I'll start to feel like bad or just
Speaker 1: like a general like malaise kind of descends upon me
Speaker 1: and I just kind of try not to. And it's
Speaker 1: not necessarily anything is so negative. It's just I start
Speaker 1: to question and think and consider other ways of doing things,
Speaker 1: and I kind of you kind of lose sight of like, Okay,
Speaker 1: what actually is grounded and who I am and what
Speaker 1: I value and like what I want to put out
Speaker 1: into the world, and I like it. It's also about
Speaker 1: for me. This The word that I kind of went
Speaker 1: into the past week was with over the past two
Speaker 1: weeks was execute, Execute, Execute, like get off of the
Speaker 1: distractions and just make some shit happen. Because I was stressed.
Speaker 1: I was overwhelmed. I had this big book deadline. Dude,
Speaker 1: I had three chapters that were due December thirty. First,
Speaker 1: I want to say when yeah, I remember something like that. Yeah,
Speaker 1: And I started waking up at four and just getting
Speaker 1: shit done. I was like, I, it's you know, I
Speaker 1: believe in the rest over the break, but I also
Speaker 1: really believe in this book too, And I'm like, and
Speaker 1: then I started to look forward to that time. And
Speaker 1: then one of the things that I have been thinking
Speaker 1: about doing for many years in a row is doing
Speaker 1: like some sort of challenge in January for my community,
Speaker 1: for BA FAM and actually creating like a structured, like
Speaker 1: contained within like a certain number of days, action based
Speaker 1: challenge where you're gonna be and it's all about execution,
Speaker 1: Like here's our goal. Each day, We're gonna have this
Speaker 1: little lesson. I'm doing this so that it's called the
Speaker 1: Career Reboot Challenge, And to even get the challenge off
Speaker 1: the ground. Executing the challenge, I had to really put
Speaker 1: my mindset. I was like, put the shit down. It
Speaker 1: doesn't have to be perfect, but like build it, build it,
Speaker 1: and get it out because you know that your community
Speaker 1: needs this and wants this, and you're gonna have to
Speaker 1: say no to a lot of stuff. And getting into
Speaker 1: that zone is I think one of the one of
Speaker 1: the biggest reasons why people are entrepreneurs and actually like
Speaker 1: execute what they say they're going to execute and like
Speaker 1: why and hey. For a couple of years now in
Speaker 1: a row, I've been like, oh, I wish I would
Speaker 1: have done, but this is a year I was like,
Speaker 1: you know what, remove the distractions, put a timer on,
Speaker 1: get an accountability buddy. Shout out to Nikayla from side
Speaker 1: puszle Pro. We've been like supporting each other, texting like
Speaker 1: and I know I wouldn't have done as much as
Speaker 1: I've have gotten done had I not had Nikaela to
Speaker 1: like check in with, cheer me on, you know, talk
Speaker 1: me down when I started to doubt myself.
Speaker 2: I love that I love that, Nat.
Speaker 3: See, that's what I struggle with. I'm always like, well,
Speaker 3: I don't know if I'm gonna be able to do
Speaker 3: this the way I want it to be done, or
Speaker 3: oh it could be better. I think we could be
Speaker 3: all worst critics. And I'm a horrible critic for myself,
Speaker 3: and that's my struggle. But I need to hear that
Speaker 3: because yeah, you're really self critical. Oh it's ridiculous, it's
Speaker 3: pretty bad. Again, I'm going to vote for therapy, get
Speaker 3: in there and work on that stuff.
Speaker 1: But yeah, when it comes to your business, do you
Speaker 1: find yourself like, what do you what do you like?
Speaker 1: What do you picking on yourself for?
Speaker 3: Oh? It's always like for me, I have too high
Speaker 3: standards for some reason of what I think what I
Speaker 3: do should look like, like I'm I'm a full on
Speaker 3: production company or something like, Oh, it's got to look
Speaker 3: a certain way. It's got to be I got to
Speaker 3: go through several iterations of a script to really nail
Speaker 3: it down. Oh, this was an interesting It was more
Speaker 3: like I'm over before I even attempt to make it,
Speaker 3: I've already shot it down because it's this the amount
Speaker 3: of time I would need to get this to be
Speaker 3: what it needs to be. It's ridiculous. It's for your podcast,
Speaker 3: oh yeah, for the podcast. And when I've been wanting
Speaker 3: to do more YouTube, do more, be more consistent on
Speaker 3: social media, and I'm always like, I just like cut
Speaker 3: myself down before I even get there because I'm like,
Speaker 3: it's it's not gonna be good enough.
Speaker 4: And even tho I've been doing, critiquet you old critique it,
Speaker 4: like your critiquing is fine. Let's look, we all need
Speaker 4: to look at our work and give it a fair critique.
Speaker 4: Like all right, let me be real, like this could
Speaker 4: be a little better. But a little better is different
Speaker 4: from I need to do this here or this they're
Speaker 4: they're they're like it's too.
Speaker 2: Much, you know.
Speaker 4: And and for me, at least, I needed that that quote.
Speaker 4: If I see it every day, it lives with me.
Speaker 2: It sticks with me.
Speaker 4: It's in my mind, like you know, perfect is the
Speaker 4: enemy of done. I'm never gonna get it done. And
Speaker 4: not only that, I want to get it done. I
Speaker 4: want it to exist like I want it to exist
Speaker 4: and I want other people to experience it.
Speaker 2: So I'm gonna give that to you, Chris. That's my
Speaker 2: gift for you.
Speaker 1: Yeah, buddy, thank you. You got to put some stuff
Speaker 1: out there. What's your YouTube channels? The popcorn finance it is?
Speaker 1: It is looking because I know people's all right, that's right.
Speaker 1: I think that you have like yeah, I think that
Speaker 1: you definitely need to be creating more content. And I
Speaker 1: also feel like I I was gonna say, if you
Speaker 1: look go to anyone's like any big YouTube personality, like
Speaker 1: if you go to their first videos, they're always hilarious, terrible,
Speaker 1: and also like at the time, you may think it
Speaker 1: looks good, but like you know, you five years in
Speaker 1: the future, but I just feel like setting that regular cadence,
Speaker 1: you have to be creating some content to get out there.
Speaker 1: And one thing that helps me when it comes to
Speaker 1: overanalyzing some things is using like a chat GPT or
Speaker 1: I also have this AI tool called Jasper, which is
Speaker 1: more for like marketing stuff, and they can help me
Speaker 1: just get something on the page in terms of like
Speaker 1: if it's captions or if it's like an idea for
Speaker 1: an email or like you said, a script, Chris, Like
Speaker 1: you could put in like a blog post that you've
Speaker 1: written or an article that you've written or whatever, and
Speaker 1: then say, you know, could you help me come up
Speaker 1: with a quick script for a YouTube video based on
Speaker 1: this or in like it can help you. I don't know,
Speaker 1: really it sounds I don't want to be like we're
Speaker 1: going to, you know, fall in love with robots and
Speaker 1: all that, but it is like having kind of a
Speaker 1: pot partner there can help you, like get over that
Speaker 1: homp yep.
Speaker 3: That's true me because the hardest part is that like
Speaker 3: starting from something blank, right, Like you open up that
Speaker 3: note on your phone or doctma on your computer and
Speaker 3: you look at it and it's just completely nothing there,
Speaker 3: and you're.
Speaker 1: Like, don't you feel this was something good? Do you
Speaker 1: use it? Am? I like telling you something you already know?
Speaker 3: Or I do it from time to time, But then
Speaker 3: then I feel like I feel guilty. I'm like, no, no, no,
Speaker 3: I should have done this from scratch. But you're right,
Speaker 3: like it's like I'm not having it do the whole thing.
Speaker 3: I'm just getting some ideas, getting something to get me.
Speaker 1: Going interest, So you feel like you should do it
Speaker 1: from scratch, like if you don't suffer and you don't
Speaker 1: like really like, yes, I feel that way about my
Speaker 1: book for sure?
Speaker 4: Were no chat gpt over here for that I wish
Speaker 4: I hadt when I was when I was writing my book,
Speaker 4: there were some parts of my book where like, there's
Speaker 4: gonna be parts where naturally, obviously you're gonna get stuck.
Speaker 4: And the thing to me about it is, if you
Speaker 4: have integrity, you obviously care that.
Speaker 2: You've wrote it.
Speaker 4: But the way I like to use it is to
Speaker 4: just get ideas going. It's not to say write this
Speaker 4: for me. It's to say, I have this idea that
Speaker 4: I'm thinking, and I'm explain it to you, and then
Speaker 4: I want you to, like, you know, break it down a.
Speaker 2: Little bit more, hash it out a little bit more,
Speaker 2: and then I'll be.
Speaker 4: Like, oh, I'll read it and I'm like, oh, I
Speaker 4: guess we think about this other thing that's gonna be
Speaker 4: so good, and then I'll go back to write the
Speaker 4: certain exactly. To me, it's more so like just throwing
Speaker 4: ideas at the wall is not necessarily having the.
Speaker 2: The robot do the typing for you. And I do
Speaker 2: think that that's the problem.
Speaker 4: When people think of it, they think of it as
Speaker 4: like it's going to do it for.
Speaker 2: Me, and you're right, it's like we're not copy pa.
Speaker 4: I mean, yeah, it's like this is not a college paper,
Speaker 4: but you're trying to hit a certain number of word
Speaker 4: count and you're just trying to do whatever, like this
Speaker 4: is a project that you really care about, and sometimes
Speaker 4: you just get stuck. And so if you could just
Speaker 4: get some ideas going to, you know, get you to
Speaker 4: the next thing that that strikes inspiration. That That's kind
Speaker 4: of how I've been using it. But when I'm looking
Speaker 4: for information I'm obsessed with perplexity dot ai right now.
Speaker 4: So if I'm if I'm looking for information or research,
Speaker 4: I do not go to tagipt. I do not even
Speaker 4: go to Google anymore. I go to perplexity dot ai.
Speaker 1: I don't know.
Speaker 2: Oh it's my gift to you, Mandy Boom. Here we
Speaker 2: go to so perplexity dot ai.
Speaker 4: You can just type it into the web browser search bar,
Speaker 4: and it's instead of like pushing sponsored polls kind of
Speaker 4: like how Google Chrome does, or like how Google Results
Speaker 4: will pop up. Instead, it'll give you the source of
Speaker 4: all the information that it's pulling and immediately give you
Speaker 4: like the information. The other thing, too, is chagypt will
Speaker 4: sometimes just make shit up like hey this is this
Speaker 4: is and it's like not a real study or that's
Speaker 4: not true.
Speaker 1: And when we tried to use chat Gipt for the
Speaker 1: Q and A trivia at the Brown Ambition Live show,
Speaker 1: and it was just give me wrong answers. They were
Speaker 1: like famous black celebrities from the nineties and all kinds
Speaker 1: of stuff.
Speaker 2: It was not just it makes things up.
Speaker 4: So for me, if I want idea generation, if I
Speaker 4: want creativity kind of stuff, I'll go to chagypt like, hey,
Speaker 4: thoughts ideas like I want I want to come up
Speaker 4: with an acronym and I want it to rhyme with
Speaker 4: this and stuff like that.
Speaker 2: But if I'm looking for research for information for facts,
Speaker 2: I go I don't use for that. I use Perplexity
Speaker 2: DII for that.
Speaker 3: That is the best search engine I've used. It's like,
Speaker 3: I guess that's where I'm using the ACT because yeah,
Speaker 3: that's because Google was frustrating me as always. I'm like,
Speaker 3: unless I type redd it in my search, I'm not
Speaker 3: getting a good answer most of the time.
Speaker 2: That's wild to me.
Speaker 4: I feel like one thing too, is that we don't
Speaker 4: notice that we're at the like inflection point where like
Speaker 4: at the brink of something major it's about to shift
Speaker 4: of like how much more powerful AI is about to get?
Speaker 2: Like we think chagbt is so impressive and.
Speaker 1: Haven't we been there forever?
Speaker 4: Now wait wait till it learns to speed run faster
Speaker 4: than the cheetah. Like this thing is about to take off,
Speaker 4: and I just I feel like we don't think people
Speaker 4: are not ready for it. So I've been trying to
Speaker 4: kind of beat tent Toos down, like try to get
Speaker 4: in there and find out what are all the AI tools?
Speaker 4: You know, Like when I'm doing video editing stuff, I
Speaker 4: use descript, which allows you to just like erase a
Speaker 4: sentence and it will do the edit in the video
Speaker 4: for you so you don't have to necessarily edit.
Speaker 2: It also puts captions on videos. It's really great. And
Speaker 2: I've also been playing around with in you. I mean,
Speaker 2: you have to be like in a.
Speaker 4: Discord chat for this, but there's one that you can
Speaker 4: get images And of course I'm blanking on the name
Speaker 4: of it now is it mid Journey, mad Journey.
Speaker 3: Back up here?
Speaker 1: Such techies? No? I love that Also because I like
Speaker 1: to be I like to make money and I'm not
Speaker 1: traditionally employed, none of us is none of us.
Speaker 2: I like to make money.
Speaker 1: Yeah, I really do. One thing you should know about
Speaker 1: me Mandy, money is.
Speaker 3: I like it.
Speaker 1: I'm not always great at it, but I do enjoy it.
Speaker 1: And by the way, Chris, I've made over a thousand
Speaker 1: dollars since yesterday because I just did a thing and
Speaker 1: put the challenge up and started to offer it too,
Speaker 1: so you know what, and I'm perfecting it as I go.
Speaker 1: And anyway, I'm just saying, so make your little YouTube video, sir.
Speaker 1: And I wasn't gonna charge. Nakaela told me to charge.
Speaker 1: She was like, good, I wasn't gonna and I was like, wait,
Speaker 1: why am I not? It's so funny?
Speaker 4: Yeah, why not?
Speaker 2: But that's you know, Mandy.
Speaker 4: When people talk about, oh, build the thing and put
Speaker 4: it out there, yeah, it reminds me of the conversation
Speaker 4: around integrity and plagiarism, right, like, we feel like we
Speaker 4: can't do this thing. As I started to like connect
Speaker 4: with more people at FINCN and other creative conferences and like,
Speaker 4: see what other people are doing.
Speaker 2: They all doing this.
Speaker 4: They are all selling something that doesn't exist yet and
Speaker 4: then they're building it and like but at least they're
Speaker 4: putting it out.
Speaker 2: There to see if there's interest.
Speaker 4: And an example of this was back when Tesla was
Speaker 4: like putting cars up on the website and telling people
Speaker 4: to pre buy it and pre under them when the.
Speaker 1: Cars didn't exist, and you give them one thousand dollars
Speaker 1: for a spot in line, right.
Speaker 4: And it's like, first of all, the thing doesn't even
Speaker 4: exist yet, and people were paying twenty thirty thousand dollars
Speaker 4: to hold a spot to get access to a vehicle
Speaker 4: that was not in.
Speaker 2: Existence yet, And so why don't we feel that we
Speaker 2: can do these things?
Speaker 4: Like you know, so to me, I feel like we
Speaker 4: hold ourselves back by saying like, oh no, but I'm
Speaker 4: too but I have too much integrity and I have
Speaker 4: too much this and that. It's like, no, as long
Speaker 4: as the product is coming and you do a really
Speaker 4: bang up damn job and you deliver and you know,
Speaker 4: you work your ass off, Like, I don't see why
Speaker 4: we kind of keep ourselves in a box of like, oh,
Speaker 4: doing everything the cookie cutter, perfect traditional way. So yeah,
Speaker 4: I'm trying to step outside the box in twenty twenty
Speaker 4: five a little bit more.
Speaker 1: In that way. Well in the AI conversation, cause I
Speaker 1: want to get back to that because workers are beginning
Speaker 1: to We've seen this in Hollywood we've seen this like
Speaker 1: doc worker strike that's coming up. There are like people
Speaker 1: are worried about AI taking their jobs, and I think
Speaker 1: it's completely valid. I think you should have been worried
Speaker 1: a year or two ago, and now you for sure
Speaker 1: should be worried. And I as a career coach myself,
Speaker 1: I'm trying to encourage like women, find out who's coming
Speaker 1: for your job, find out what bot wants to do
Speaker 1: what you're doing, and get really good at it. Because
Speaker 1: the thing that I'm sure about is like companies are
Speaker 1: going to need people who know how to control the bots,
Speaker 1: you know what I mean. So if you can learn
Speaker 1: it and like go and not get it's the same
Speaker 1: I kind of felt back in when I was studying
Speaker 1: journalism during you know, the Great Recession and the like,
Speaker 1: social media was becoming a thing, and a lot of
Speaker 1: my older colleagues would be like, I'm not getting a Twitter,
Speaker 1: you know, and to their own detriment, right because now
Speaker 1: social media, like or eventually it became a whole job.
Speaker 1: And I'm sure now the bots are coming for social
Speaker 1: media people. But how do you guys feel about like
Speaker 1: leveraging AI? Excuse me in your career and like the
Speaker 1: perspective from workers who are maybe feeling like, oh damn,
Speaker 1: what's happening.
Speaker 2: I agree with you.
Speaker 4: I feel like you you can't fear that it's going
Speaker 4: to come for your job and that you're going to
Speaker 4: lose everything and let that like trap you almost like
Speaker 4: you're gonna You're just gonna be trapped, right, and it's
Speaker 4: going to fester, and it's negative. And the only positive
Speaker 4: spin on this is, well, I guess we could argue
Speaker 4: about universal basic income, but we're not going there. We're
Speaker 4: going to stick to the way you can positively spin
Speaker 4: it is to say, let me learn what you know
Speaker 4: what prompting looks like, or how to prompt correctly, or
Speaker 4: you know how to use the right tools or what
Speaker 4: are the top premier tools for AI in this specific
Speaker 4: job that I'm doing, Because then you become the go
Speaker 4: to person for your company, and then when they're doing layoffs,
Speaker 4: you're not the one that's going to get laid off.
Speaker 4: And I know it sucks to think like that because
Speaker 4: then it's like, oh, but then what about all my
Speaker 4: friends at work who get who they're losing their jobs
Speaker 4: at the end of the day, Like this is a
Speaker 4: capitalistic country and the people. It's like we are all
Speaker 4: compromised under capitalism, and at the end of the day,
Speaker 4: the companies are going to do what they got to
Speaker 4: do for their bottom line. And so if you want
Speaker 4: to continue to have value and know your value and
Speaker 4: create your you know, keep creating more value from yourself
Speaker 4: as a as an employee and as a worker, as
Speaker 4: an entrepreneur, you sort of have to embrace AI and
Speaker 4: start to figure out what are the leading tools, leading
Speaker 4: applications and learn the basics because at the end of
Speaker 4: the day, like resisting is exactly what you said. It's
Speaker 4: just like social media. I'm not going to get on there,
Speaker 4: And now you're like, dang, I should have got on
Speaker 4: there back ten years ago.
Speaker 2: Yeah, you should have.
Speaker 1: I think the people who know how to do the
Speaker 1: work already, like Chris, you have so much knowledge and
Speaker 1: we have knowledge, we have so much value to add
Speaker 1: and when we leverage these tools, we're only going to
Speaker 1: get better at what we do. I really do, and
Speaker 1: it's just going to help us scale and grow. And
Speaker 1: I think the people who are who don't have the
Speaker 1: value and they're expecting the bots to create the knowledge
Speaker 1: base and the experience and the nuance like good luck.
Speaker 1: It's like TIF always said, like sauce sold separately. We
Speaker 1: have our own sauce. You have your own you know,
Speaker 1: your own sparkle, your own expertise, and I think you
Speaker 1: have to like have a lot of I'm talking to
Speaker 1: you Christ because I need you to like build your
Speaker 1: confidence up. But yeah, like stand ten TOAs down in
Speaker 1: that and like, yeah, I have this knowledge base and
Speaker 1: I know how to work with these bots because I
Speaker 1: know things better than they do. But they're going to
Speaker 1: help me come up with like a little outline real quick.
Speaker 1: And that's fine. It's fine, But sixty one percent of
Speaker 1: large companies this year plan to use AI to automate
Speaker 1: tasks that were once done by humans. What's the fed
Speaker 1: up to, Chris, just real quick?
Speaker 3: For twenty The brief is explanation would be, so, you know,
Speaker 3: they've had a few meaties recently. They're raising interest rates, right,
Speaker 3: so they did another quarter point.
Speaker 1: Your boys get more nasily when you started talking about.
Speaker 3: It, so technically push my classifle. So actually, when we're
Speaker 3: looking at what the fans are doing now, so basically
Speaker 3: they're kind of taking things slow now, right, Like the economy,
Speaker 3: it's this weird thing right, because I think as regular
Speaker 3: people it didn't feel like the economy is great. But
Speaker 3: for corporations and the money they're making, everything's going great.
Speaker 3: They're doing fine. Everything's looking looking as it should.
Speaker 1: Thanks, you're still ten bucks of curtain, right, you know.
Speaker 3: It's just about disorder to makes last time I got
Speaker 3: to go get Yeah, it's expensive, and so it looks
Speaker 3: like things are kind of settling, But inflation isn't kind
Speaker 3: of going down at this pace that it kind of
Speaker 3: was before it was starting to settle down, and it's
Speaker 3: looking like it's kind of like at a holding point.
Speaker 3: So we're what it's looking like in twenty twenty five.
Speaker 3: The Federal Reserve is probably going to still lower interest
Speaker 3: rates a little bit. They're looking at maybe like a
Speaker 3: half a percent over the whole year is what might
Speaker 3: be happening. But they're going to do it very slowly
Speaker 3: and deliberately. But it all depends.
Speaker 1: You know.
Speaker 3: We got some changes coming to the White House. We
Speaker 3: got a lot of weird stuff going on.
Speaker 1: So right now I'm disassociated from January twentieth.
Speaker 3: I don't think about it the same way.
Speaker 1: I don't. I'm trying to think about it being January sixth,
Speaker 1: sixth today, just disassociate for my own mental health. But
Speaker 1: you're right, so just looking I'm looking at mortgage rates
Speaker 1: this year, I don't think I feel like the vibe
Speaker 1: is we're not going back to like those two percent
Speaker 1: rates like me like I have from the pandom. Yeah,
Speaker 1: but like I need to get out.
Speaker 4: No, no, no, you stay in that tiny house, girl,
Speaker 4: because you ain't gonna get that two percent for a
Speaker 4: little while longer. Because at the end of the day,
Speaker 4: like I was talking to this woman who lives in California,
Speaker 4: so slightly different real estate market out there, but the
Speaker 4: one single reason why she was able to retire early
Speaker 4: is because she never upgraded her home, no matter how
Speaker 4: much pressure she felt.
Speaker 1: Now, yeah, you're so right.
Speaker 2: You only had one kid.
Speaker 4: She only had one kid, and a lot of her
Speaker 4: friends had multiple A lot of people had multiple kids,
Speaker 4: and that's a valid, legit thing. But we had a
Speaker 4: conversation on the phone and she was like, girl, let
Speaker 4: me tell you the only reason right now that I'm
Speaker 4: not working and I'm okay is because we didn't fall
Speaker 4: to that pressure of like increase. We could always do
Speaker 4: it later, but the more you push it off, the better.
Speaker 4: And it's a huge piece of your well building ability.
Speaker 1: You're so right. We get so much pressure from friends
Speaker 1: from my family, they complain. I'm just like, when did
Speaker 1: we stop being grateful for this home that we have?
Speaker 1: Like when you're right on, Ellie. And it's that mindset
Speaker 1: that is why my finances have been you know, like
Speaker 1: down to them. And it's like I lost track of
Speaker 1: I was so good about keeping lifestyle inflation at Bay
Speaker 1: when I was we got two cars. Now I said
Speaker 1: I would never have a two car household and one
Speaker 1: of them is not paid off, and I don't like it.
Speaker 1: I don't like who I am.
Speaker 2: And now you're talking about getting a bigger house.
Speaker 1: Oh I know with what money? Yes, it's so true,
Speaker 1: and I wanted to have more kids. Make it make sense, girl,
Speaker 1: that a ticket.
Speaker 4: One of my emotional stuff is the emotional stuff, and
Speaker 4: it's for me. I constantly try to push myself back
Speaker 4: to like rational decision making. Don't let is it the
Speaker 4: emotions trying to make this decision or is it going
Speaker 4: to be my rational brain making the decision? Because of course,
Speaker 4: like in my mind, I could go do this, this
Speaker 4: and that. It's like, but why would I do that?
Speaker 4: I'm literally setting myself back financially just a stunt on
Speaker 4: a or to be able to make my family happy
Speaker 4: instead of making myself happy.
Speaker 2: And so just you know, you know what you're what
Speaker 2: you're supposed to be doing, and what you have you know,
Speaker 2: and me to do?
Speaker 3: Hear that? Yeah, And everybody, family, friends, they love spending
Speaker 3: your money for you. They love telling you what you
Speaker 3: should be doing. It's going to cost you more money.
Speaker 3: And with no, they're not going to come help you
Speaker 3: out after you've spent that money. They're just like, oh, well,
Speaker 3: you know, just makes does someone else save a little
Speaker 3: bit better? It's spend less money? Like no, no, no,
Speaker 3: I was in a better spite before I took your advice?
Speaker 3: Why what did you do this to me? Part?
Speaker 1: And they don't. And also taking advice from people or
Speaker 1: like looking to other people to see what they're doing.
Speaker 1: I was even talking to an entrepreneur today who was
Speaker 1: saying how a friend told her she's making all her
Speaker 1: money from affiliate revenue, and so she wants to like
Speaker 1: pivot to affiliate and I'm like, well, maybe that's true,
Speaker 1: but also that's pretty financially risky because all of her
Speaker 1: eggs in that one basket very volatile. Yes, you're right,
Speaker 1: and getting a bigger house like it would be happier
Speaker 1: in some ways, but it also creates more pressure financially.
Speaker 1: Then you got to keep it up. Then it's even
Speaker 1: more pressure on me as a business owner to make
Speaker 1: the money to keep it up. And yeah, thank you,
Speaker 1: jan Ellie.
Speaker 2: I needed that little I'm just giving gifts all left
Speaker 2: and right right.
Speaker 1: Also, you are one, so.
Speaker 4: Thank you.
Speaker 1: You know, love is real. Okay, let's let's do brown
Speaker 1: boost brown break, So just to remind y'all be a fan.
Speaker 1: Brown boost is something that I kind of ask that
Speaker 1: we reflect on, something that we really are excited about.
Speaker 1: It could be a new AI tool that's saving our lives,
Speaker 1: could be the fact that we crossed over the million
Speaker 1: dollar net worth mark even though we're going to keep
Speaker 1: it private you don't have to say it here. Or
Speaker 1: a brown break, which is like if you're feeling like
Speaker 1: I'm so sick of this, it is something that is
Speaker 1: driving me nuts, something you think we need to know
Speaker 1: about to be aware of. Like I'm going to open
Speaker 1: the floor to you guys if you have a booster
Speaker 1: or a break, and if not, I'll make myself the
Speaker 1: guinea pig. I'll start so we don't be now on it.
Speaker 4: Okay, now this is not sponsored or anyway. I do
Speaker 4: not get paid by these people, at least not yet.
Speaker 2: Maybe one day.
Speaker 4: But we don't own a home mit Jamil and I'm
Speaker 4: my partner. We've been together for a very long time
Speaker 4: and we're very happy long term relationship.
Speaker 2: We're healthy.
Speaker 4: We just don't necessarily we see ourselves as homeowners in
Speaker 4: that lifestyle. We really love like apartment complex living where
Speaker 4: we can go outside by the shared amenities and see
Speaker 4: other people and be like, hey, I what's up, and
Speaker 4: like there's always people out and around. So we like
Speaker 4: like the condo apartment type of lifestyle. But we also
Speaker 4: don't want to own a condo apartment in Miami because
Speaker 4: jos are insane. So we're just like, you know what,
Speaker 4: home ownership's not for right now. And but the money,
Speaker 4: like it's so annoying that we spend thousands of dollars
Speaker 4: every month on rent and it's just like it just
Speaker 4: goes into thin air to this mandlord right or to
Speaker 4: this development company. So we got the Built Rewards credit
Speaker 4: card a little bit before the end of the year
Speaker 4: last year, and we've been putting our rent on that.
Speaker 4: And let me tell you, if you pay rent and
Speaker 4: you're not getting miles or rewards points or some type
Speaker 4: of credit for your point for paying your rent.
Speaker 2: Look into some of these. I have the built one.
Speaker 4: There's others, but built like it's l LT Yeah, built
Speaker 4: rewards credit card.
Speaker 2: We use it to pay the rent.
Speaker 4: And you know, the big concern I had was a
Speaker 4: lot of times the companies will ard you like two
Speaker 4: or three percent fee for using a credit card to
Speaker 4: pay one.
Speaker 2: They have figured out a hack for that.
Speaker 4: So when you when I log into the credit card portal,
Speaker 4: it actually shows a bank account digits, so I copy
Speaker 4: them from their enter it into my rent payment portal
Speaker 4: and it acts like ACCH account clearinghouse, So it's acts
Speaker 4: like it's transferring the money to an account, but it
Speaker 4: charges it to the credit card.
Speaker 2: So whatever whatever backdoor.
Speaker 4: Magic they're doing essentially acts as a credit card transaction,
Speaker 4: but they're using I think they have their they're partnering
Speaker 4: with Wells Fargo Bank to do this, but they basically
Speaker 4: use the bank as a way to clear the money
Speaker 4: and then it counts as a credit card charge. So
Speaker 4: we've already gotten too, like silver status in their little
Speaker 4: levels of status thing, just from paying like four or
Speaker 4: five months of rent with that card instead of our
Speaker 4: bank account, which we when we pay with our bank account,
Speaker 4: we don't get any points.
Speaker 2: So we're going to take a free trip this year
Speaker 2: because of the points on this card. So that is
Speaker 2: my little brown boost.
Speaker 1: Why is this making me nervous?
Speaker 4: Though?
Speaker 1: What's the down? What's the pitfall?
Speaker 4: Now fall? The piffole is if you don't pay it
Speaker 4: on time. Now you're paying all the trust fees.
Speaker 1: On the credit card. Okay, so it is like your
Speaker 1: credit card with fees. Okay, okay, yeah, it's.
Speaker 4: The same exact Arrangement's just that you're able to use
Speaker 4: the card if you don't pay any interest fees and
Speaker 4: you pay on time all the time. It just it
Speaker 4: it's the same exact thing as if you pay your
Speaker 4: rent from your bank account, but you just got to
Speaker 4: be on top of it.
Speaker 1: So you know, please don't go in a credit card
Speaker 1: debt for your rent because you're you not do that.
Speaker 1: Live somewhere.
Speaker 4: Do not do that, because then not only is your
Speaker 4: rent paid so they're good, but now your credit is horrible.
Speaker 4: So if you ever choose to go to another apartment,
Speaker 4: you're not going to be able to go. So definitely
Speaker 4: only do this if you're the type of person who
Speaker 4: always pays it on time every month. But if you're
Speaker 4: paying your rent on time every month out your bank account,
Speaker 4: then all you're doing is putting one extra step in
Speaker 4: the middle and paying the card instead of the rent
Speaker 4: and having the rent you paid through the card. So
Speaker 4: it's just one extra step and you get rewards points
Speaker 4: for it. So in my mind, it makes a lot
Speaker 4: of sense. But if you can't trust yourself and you're
Speaker 4: going to go spend that rent wheney instead of paying
Speaker 4: the card, then stay away.
Speaker 3: Yeah, okay, fair, Yeah that was good. I've heard. I've
Speaker 3: heard a lot of good things about that that card.
Speaker 3: I don't know why I never even tried it, but
Speaker 3: I think the only thing I heard is that they
Speaker 3: are bleeding money because obviously they're giving a lot of
Speaker 3: points and yeah, making any money back from you on it.
Speaker 3: But hey, while they're giving all you.
Speaker 2: Heard it from here, you heard it from me.
Speaker 1: Now you did that have something that's so good for consumers?
Speaker 1: It's like you're going to go out of business. Capitalism.
Speaker 4: I think they're probably going to start lowering those points
Speaker 4: and rewards things and maybe making it like a new
Speaker 4: customer offers to show that the you know, you don't
Speaker 4: get grind fathered into though, but the point is, you
Speaker 4: know earlier you get in and benefit from it.
Speaker 2: It's just like any other rewards card. Try and get
Speaker 2: the benefits you can.
Speaker 1: M M all right, Chris, what's up? What you got?
Speaker 3: Okay? So for me, my boost is I'm moving to
Speaker 3: San Francisco. And Ellie was talking about this almost moving there. Yeah,
Speaker 3: I've been thinking about this for a couple of years now.
Speaker 3: I've always loved the city I live in. I live
Speaker 3: in the LA area, so I'm like just a little
Speaker 3: bit outside of LA. I don't live in La proper
Speaker 3: because I'm not trying to be in all that traffic,
Speaker 3: but all that money, paying all that raving money. I
Speaker 3: don't need all that. So i decided to move to
Speaker 3: even more expensive city. But I've been thinking about it
Speaker 3: for a while because La it's cars.
Speaker 1: Two years is too long to think about. I'm glad
Speaker 1: you're finally just doing it.
Speaker 3: I know that's a long time over things.
Speaker 1: That's what I do.
Speaker 3: I'm going to say, thinking myselthing for years and then
Speaker 3: and I might not even do it after thinking about it.
Speaker 4: I got to make a decision this month, like I
Speaker 4: can be playing with those year long decisions.
Speaker 3: So long time I was mulling that thing over, I
Speaker 3: would go up. I would go got friends up there,
Speaker 3: so I would go every you know, I'll probably go three,
Speaker 3: four or five times a year up there and visit.
Speaker 3: And this past year or twenty twenty four now I
Speaker 3: went for two like standed trips. I was there for
Speaker 3: three weeks and I did six week a little trip
Speaker 3: up there, and I was like, let me just see stuff.
Speaker 1: It's like put a ring on it. Damn, we're doing here?
Speaker 1: What are what are we?
Speaker 2: Chris?
Speaker 4: What is it? What are we doing here?
Speaker 2: Are you coming? Are you going to stay?
Speaker 3: I had commitment issuans with the city. I was like,
Speaker 3: I just don't want to make the wrong decision. What
Speaker 3: if LA was really the right one?
Speaker 4: All back, it's right the It's not going to be
Speaker 4: off the map.
Speaker 3: I know, I know, but I was like, I was like,
Speaker 3: I want to just check because like all my families here,
Speaker 3: I have a niece, my niece, she's three years old.
Speaker 3: I love being around her. And that was probably the
Speaker 3: hardest part. I heard my brother and my sister in law,
Speaker 3: but I love hanging out with them. My parents are
Speaker 3: getting older, so I was like, I want to leave
Speaker 3: this area, a place I've lived Southern California my whole life,
Speaker 3: born and raised out of here. But I just I
Speaker 3: was drawn to San Francisco. I love the weather, I
Speaker 3: like being able to walk and take pub with Traansas Station.
Speaker 3: It's just like it was just it was a good time.
Speaker 3: So I finally said I'm going to do it. And
Speaker 3: actually we're recording this. I'm about a week out from
Speaker 3: the official move up.
Speaker 2: That is so exciting.
Speaker 4: I love a fresh new and fresh new year, fresh
Speaker 4: new move.
Speaker 2: You got all this fresh new energy.
Speaker 4: I love that.
Speaker 1: And you got a new San Francisco girlfriend too, right.
Speaker 3: Yeah, that's where I had to tell my friends. I
Speaker 3: was like, I was planning to move before I met her.
Speaker 3: That wasn't my man moving jail.
Speaker 1: So you were. But I think that's so beautiful, and
Speaker 1: I mean, listen, like you're doing something really courageous. You know,
Speaker 1: you did a long, long marriage and like you went
Speaker 1: through that grieving process, you got into therapy. Like I
Speaker 1: give you a lot of shit because I love you,
Speaker 1: but I just think I just want to give you
Speaker 1: some flowers, buddy. And also it's exciting. It's like it's
Speaker 1: never too late to just like choose to start a
Speaker 1: brand new fing chapter, get up and move, you know,
Speaker 1: and do it for yourself, because yes, your niece and
Speaker 1: yes your parents, but also what about Chris, Like what
Speaker 1: about the life that you deserve to have? You know,
Speaker 1: look the way that you wanted to look.
Speaker 4: Yes, and just like you went to s F five
Speaker 4: times last year, you can go to LA five times
Speaker 4: and living and.
Speaker 1: It's just order to do it living and reverb But are.
Speaker 2: You just doing a flipp and yes, you just reversing it.
Speaker 4: You're not like erasing it from your life. You're just saying, oh,
Speaker 4: I want the ratio to be reversed. I want to
Speaker 4: be there more and here when I want, and you
Speaker 4: can always go.
Speaker 3: That's true. I appreciate all this, like say all those
Speaker 3: good words. I'm feeling all this energy because because even
Speaker 3: Mandy looks to make many feel bad again because she's
Speaker 3: was insult to me a lot at the beginning. She
Speaker 3: was so supportive as when I was yeah, Mandy, you've
Speaker 3: been hating on me and being so mean to me.
Speaker 3: But you're also you were so supportive, so kind. We
Speaker 3: talked about this a few times. Mandy came down to
Speaker 3: l A and we went on a hike where we
Speaker 3: almost fell. The fact, almost fell off an edge a
Speaker 3: couple of times. But you were sharing your.
Speaker 1: Your sweight, glands do not belong in l A. You
Speaker 1: need to be in some temperate climates, buddy.
Speaker 3: I was, let me tell you, swinging like cool by
Speaker 3: the time that was over. But yeah, Mandy was so supportive.
Speaker 3: She shall share so many stories about you. I feel
Speaker 3: like you have no problem being courageous and stepping out
Speaker 3: there and trying new things. And I'm the exact opposite.
Speaker 3: And I'm like, hold up, let me make a spreadsheet
Speaker 3: and let me put you the options.
Speaker 2: We see that. We see that now.
Speaker 3: Yes, I'm excited. Thank you for the encouragement. I appreciate it.
Speaker 3: I'm really excited for this next pace here.
Speaker 1: We can't wait to visit.
Speaker 2: You. So many great people.
Speaker 4: Yes, also have to say burners off. There's a lot
Speaker 4: of good people and that stuff. It can be like
Speaker 4: a good little tech hoods.
Speaker 1: I'll get us in each corner of the country. Yeah, yeah,
Speaker 1: oh well, this was so fun. First episode of Brown
Speaker 1: Ambition for the year. I can't believe it. I feel
Speaker 1: the need to be like Tiffany, I love you, I
Speaker 1: miss you. But yeah, Nelly and Chris, I can't thank
Speaker 1: you so much has been I really look forward to it,
Speaker 1: and I was worried I wasn't going to have that
Speaker 1: same level of like giddy, Oh I get to go
Speaker 1: talk to my friend, but still provide value to the audience.
Speaker 1: And I hope be a fan. You feel like we
Speaker 1: really poured into you, get you some great tips for
Speaker 1: the new year, got you off to a good start.
Speaker 1: Yan Elly and Chris, thank you so much. So Chris,
Speaker 1: you're at popcorn, popcorn finance everywhere. Yeah, Nelly, you're at
Speaker 1: miss be Helpful everywhere. We're gonna put your social handles
Speaker 1: in the show notes, so everyone go follow and check
Speaker 1: out their work. And I think I just snuck away
Speaker 1: without doing a Brown boost or break on my own.
Speaker 3: I'm going to.
Speaker 1: Just real quick Google, I actually did just become an
Speaker 1: affiliate partner and I chase them down because I love
Speaker 1: this AI tool so much. It's called teal t e
Speaker 1: a L It's a AI resume, and I love this
Speaker 1: LinkedIn profile tool that and it actually has so much
Speaker 1: more than just that, but it'll help you, like take
Speaker 1: the It drives me nuts when people don't apply for
Speaker 1: a job because their resume isn't perfect. I feel like
Speaker 1: that's you, Chris, but like over but it's not as
Speaker 1: good as it could be. Blah blah blah. And then
Speaker 1: they spend hours or hundreds of dollars like hiring someone
Speaker 1: to do it for them. That this is like, I'm like, yes,
Speaker 1: because I hate editing resumes. I don't spend time on it.
Speaker 1: I believe in personal connections. But if you're going to
Speaker 1: do it, use a tool like teal They make it
Speaker 1: so simple. And I'll put a link to put my
Speaker 1: affiliate link in the show notes. So y'all go support
Speaker 1: a girl. But yeah, that's my boost teal Ai and
Speaker 1: I hope that you guys embrace the bots. That's what
Speaker 1: we should call this episode, Embracing the Bots in twenty
Speaker 1: twenty five.
Speaker 2: Get with that.
Speaker 1: We'll workshop that I'll ask one of the bots for
Speaker 1: some ideas. How about that fact?
Speaker 2: Thank you all, Embrace the bots. Thank you Mandy.
Speaker 4: This was so lovely