WEBVTT - Introducing... The BA Fam Roundtable! 0:00:16.200 --> 0:00:20.000 Hey, b a fan, Welcome, It's twenty twenty five. I 0:00:20.040 --> 0:00:21.919 don't know what it is about twenty twenty five, but 0:00:21.920 --> 0:00:25.000 it just smells like money. It just smells like money 0:00:25.000 --> 0:00:28.760 and possibilities. And I could not be more excited about 0:00:28.800 --> 0:00:31.680 this new chapter. Well that's a damn lie about a 0:00:31.720 --> 0:00:34.360 week ago, you know that, like the dark period in 0:00:34.360 --> 0:00:36.520 between Christmas and New Year and going back to work, 0:00:36.560 --> 0:00:38.520 when like, I don't know, you're just like you feel 0:00:38.560 --> 0:00:41.040 shitty because you've been eating way too many cookies and 0:00:41.120 --> 0:00:43.120 watching way too much trash TV and the kids are 0:00:43.200 --> 0:00:45.160 running all over and you do not even know who 0:00:45.200 --> 0:00:47.600 you are anymore except you know you for sure, you're 0:00:47.640 --> 0:00:50.280 like a pile of trash. And during that little time 0:00:50.520 --> 0:00:53.680 I was worried. I was like, wait, We've been talking 0:00:53.680 --> 0:00:56.080 about this new era for Brown Ambition for three months, 0:00:56.080 --> 0:00:58.160 three four months now, and now I'm actually in it. 0:00:58.240 --> 0:01:00.319 And I'm like, oh, dang, I got a show up 0:01:00.720 --> 0:01:04.480 and carry this show on. But I have this saying 0:01:05.120 --> 0:01:08.280 that you can do hard things, and that's true, but 0:01:08.400 --> 0:01:10.320 you don't have to do them alone. So I'm just 0:01:10.360 --> 0:01:12.400 like proud of me for not going into this new 0:01:12.520 --> 0:01:15.919 chapter alone and for inviting two of my favorite people 0:01:16.319 --> 0:01:20.080 on the internet streets and irl to join me and 0:01:20.200 --> 0:01:22.640 be a fan. We're testing out this little, this little 0:01:22.680 --> 0:01:24.640 new thing, and I want ba fam, I want y'all 0:01:24.680 --> 0:01:27.080 to tell me how you like it. We got a 0:01:27.160 --> 0:01:30.360 dude in this dude like that never happens. Do we 0:01:30.400 --> 0:01:31.440 care what Chris thinks? 0:01:31.880 --> 0:01:33.440 Do you like the sound of his voice? 0:01:33.440 --> 0:01:34.760 Like? Do you want to hear from him? 0:01:35.200 --> 0:01:35.720 I don't know. 0:01:35.760 --> 0:01:36.959 We're gonna test it out. 0:01:38.840 --> 0:01:39.600 I don't know Chris. 0:01:39.640 --> 0:01:41.800 I don't know if we care. I don't know. I 0:01:41.840 --> 0:01:43.800 don't know if we want the male perspective. But we'll 0:01:43.800 --> 0:01:45.399 find out. We'll see how we feel. 0:01:46.600 --> 0:01:47.240 We'll find out. 0:01:47.720 --> 0:01:51.120 But we have two incredible, incredible co hosts. Today. We 0:01:51.240 --> 0:01:56.040 got Ya Nellies Finale, Miss be Helpful, and we have 0:01:56.240 --> 0:01:59.760 Chris Browning of Popcorn Finance and my brother from another 0:01:59.800 --> 0:02:04.000 mother And welcome to Brown Ambition, y'all. Happy New Year, 0:02:04.440 --> 0:02:05.440 Happy New Year. 0:02:06.280 --> 0:02:08.240 I'm really happy you haven't changed because you were insulted 0:02:08.280 --> 0:02:09.880 me last year and now I insulted me in twenty 0:02:09.919 --> 0:02:11.280 twenty five. I appreciate it. 0:02:11.440 --> 0:02:13.600 And will continue. 0:02:13.600 --> 0:02:16.240 It's my love language. Yan Ellen. You'll know that I 0:02:16.280 --> 0:02:17.679 love you a lot. No I won't mess with you 0:02:17.760 --> 0:02:20.200 on lle She's just too You're too perfect. 0:02:20.520 --> 0:02:22.519 Oh don't guess me up now, All right. 0:02:22.360 --> 0:02:24.240 Twenty twenty five is here. How are y'all feeling? How 0:02:24.320 --> 0:02:26.080 is the holiday? 0:02:26.639 --> 0:02:27.200 It was good? 0:02:27.360 --> 0:02:29.400 I had like some I don't know, I just feel 0:02:29.400 --> 0:02:32.640 like I had so much going on, and I forced 0:02:32.720 --> 0:02:35.680 myself to really take the break. Like I was not 0:02:35.800 --> 0:02:38.280 checking emails, I was not looking. I was like, nope, 0:02:38.440 --> 0:02:40.560 I'm I know, because you didn't respond to mine until. 0:02:40.320 --> 0:02:41.960 Like imun til yesterday. 0:02:41.960 --> 0:02:43.920 Because I was like, you know what, I'm really not 0:02:43.919 --> 0:02:45.840 going to do it like I promised myself and I didn't. 0:02:45.880 --> 0:02:46.200 I didn't. 0:02:46.200 --> 0:02:47.800 I did a little posting on social media, but that 0:02:47.880 --> 0:02:49.480 was it. I was like, I'm not checking emails, I'm 0:02:49.480 --> 0:02:51.440 not taking phone calls, I'm not dropping on zoom. And 0:02:51.480 --> 0:02:53.519 it was just so nice, you know, because like that's 0:02:53.520 --> 0:02:55.000 what the break is supposed to be. 0:02:55.040 --> 0:02:56.280 But we be pushing ourselves. 0:02:56.320 --> 0:02:56.639 I do. 0:02:56.800 --> 0:02:59.040 I push myself to what work work all the time. 0:02:59.080 --> 0:03:01.760 I feel like if I'm resting, I'm not being productive. 0:03:01.800 --> 0:03:04.000 And I did not fall for that trap. 0:03:04.040 --> 0:03:06.839 I was really arresting and I was a little sick, 0:03:06.880 --> 0:03:08.239 but I got recovered through it. 0:03:08.280 --> 0:03:08.919 Pretty quickly. 0:03:08.960 --> 0:03:11.280 So I feel like I'm glad that I'm like bouncing 0:03:11.320 --> 0:03:14.120 back now that I had the chance to actually rest. 0:03:14.520 --> 0:03:16.200 I'm happy for you because y'all are going to get 0:03:16.240 --> 0:03:18.560 to know y'all, Nelly. But you're such a burst of 0:03:18.639 --> 0:03:21.600 sunshine and like energy, and I just and when I 0:03:21.639 --> 0:03:23.280 meet people like you, I'm like, ooh, I hope she 0:03:23.280 --> 0:03:25.840 plugs herself in and like really recharges, because it's not 0:03:25.880 --> 0:03:26.680 easy to be that. 0:03:27.240 --> 0:03:28.320 It's not but I. 0:03:28.280 --> 0:03:30.079 Gotta say, you know what I gotta say. People ask 0:03:30.080 --> 0:03:31.359 me all the time, like, girl, what do you do? 0:03:31.520 --> 0:03:34.040 Like do you drink coffee? And I don't. I don't 0:03:34.080 --> 0:03:37.760 drink coffee. I genuinely just wake up in the morning 0:03:37.800 --> 0:03:41.480 with so much freaking energy and like excitement for the day. 0:03:41.520 --> 0:03:44.000 And it's funny because my boyfriend is extremely introverted and 0:03:44.080 --> 0:03:45.800 quiet and calm, and so he wakes up in the 0:03:45.800 --> 0:03:48.480 morning and he's just like I need like how. 0:03:48.360 --> 0:03:49.880 Does he dive minutes? 0:03:50.080 --> 0:03:51.880 And I'll wake up and I'm like, Babe, I gotta 0:03:51.880 --> 0:03:53.320 tell you about this crazy dream I just had. 0:03:53.360 --> 0:03:54.000 Oh my goodness. 0:03:54.040 --> 0:03:57.360 He's like, I just need five minutes, five minutes please, 0:03:57.400 --> 0:03:57.800 And I'm. 0:03:57.680 --> 0:03:58.640 Like, no, I gotta tell you right now. 0:03:58.640 --> 0:04:01.760 Otherwise ever forget So we're it's like total opposites in 0:04:01.800 --> 0:04:02.200 that way. 0:04:02.280 --> 0:04:04.920 But no, girl, my energy is always on one hundred. 0:04:05.360 --> 0:04:07.120 Yeah, but you do need some time to get back 0:04:07.160 --> 0:04:09.800 to yourself and like recharge. And for those who may 0:04:09.840 --> 0:04:11.720 not be familiar with you, Nelly, you've been You've both 0:04:11.760 --> 0:04:13.839 been guests on the show before, but ya, NELLI remind them, 0:04:13.880 --> 0:04:17.280 remind BA fan quickly, like who you are and what 0:04:17.320 --> 0:04:19.480 your POV is in the work that you do with. 0:04:19.600 --> 0:04:21.120 Personal finance of course. 0:04:21.120 --> 0:04:22.480 So I mean, I'm honored first of all to be 0:04:22.600 --> 0:04:24.360 on here with y'all, both because I've been watching y'all 0:04:24.360 --> 0:04:25.280 four years in love y'all. 0:04:25.320 --> 0:04:28.000 But I started a YouTube channel in twenty fifteen, so. 0:04:28.120 --> 0:04:31.400 Ten whole years ago now, just as like a little 0:04:31.440 --> 0:04:33.360 hobby thing. Like on the side, I was really not 0:04:33.400 --> 0:04:35.720 happy at my job, my full time job that I had, 0:04:35.760 --> 0:04:37.960 and so YouTube was just like an outlet for me 0:04:38.000 --> 0:04:40.080 to like go home and have fun and like you know, 0:04:40.120 --> 0:04:40.960 put myself out there. 0:04:41.000 --> 0:04:42.760 So I was on a debt repayment journey. 0:04:42.760 --> 0:04:44.920 I paid off twenty thousand dollars of credit card debt. 0:04:45.240 --> 0:04:48.000 I was a teacher at the time, I transitioned my 0:04:48.040 --> 0:04:50.600 career over to financial education and became a full time 0:04:50.640 --> 0:04:55.080 financial educator, working with a nonprofit that basically promotes financial 0:04:55.080 --> 0:04:58.160 literacy in schools and specifically trying to get every high 0:04:58.160 --> 0:05:00.880 school in America to guarantee to make sure that every 0:05:00.880 --> 0:05:03.720 single student gets access to a full semester course about 0:05:03.720 --> 0:05:05.360 personal finance before they graduate. 0:05:06.120 --> 0:05:07.520 And so yeah, I continue to do that. 0:05:07.600 --> 0:05:09.560 I'm in a part time role now, so on the 0:05:09.600 --> 0:05:12.560 side of that, I'm doing Misbe Helpful as well, which 0:05:12.600 --> 0:05:15.640 is my social media platform brand and speaking. And then 0:05:15.680 --> 0:05:18.279 of course, in twenty twenty three, I published my book 0:05:18.320 --> 0:05:20.800 Mind Your Money, which was like a massive project. 0:05:21.000 --> 0:05:21.240 Mandy. 0:05:21.279 --> 0:05:23.520 I know you're to think of it now, you're in 0:05:23.520 --> 0:05:25.920 the think of it now, but I'm really glad it's 0:05:26.000 --> 0:05:28.599 over and just yeah, excited to be pushing that out 0:05:28.640 --> 0:05:33.640 and making sure that people have relatable voices to hear 0:05:34.040 --> 0:05:36.680 talking about money and all things finance. 0:05:37.200 --> 0:05:39.720 And you're just living like the Dinks life, dual income, 0:05:39.800 --> 0:05:43.080 no kids in Miami. Yeah, they're both so hot, like 0:05:43.160 --> 0:05:45.680 you and your husband are just like, it's just so 0:05:45.839 --> 0:05:47.040 pretty there. 0:05:47.080 --> 0:05:48.280 I don't get me up now. 0:05:49.800 --> 0:05:51.359 I know you don't need any guess, but I know. 0:05:51.440 --> 0:05:55.280 Let me give you a figure. Yeah, and your background. 0:05:55.320 --> 0:05:56.600 You're from New York though, right, I'm. 0:05:56.520 --> 0:05:57.880 From Brooklyn originally, Yep. 0:05:57.920 --> 0:05:59.520 I spent my whole life in Brooklyn, and then I 0:05:59.640 --> 0:06:01.120 spent four using Providence for college. 0:06:01.240 --> 0:06:04.200 Oh man, I guess I'll let this dude talk. 0:06:05.520 --> 0:06:07.839 I mean, I don't have to. It's just like I'm 0:06:07.880 --> 0:06:09.440 listening to a podcast where I get to be on 0:06:09.480 --> 0:06:11.039 camera for some reason. You know, it's okay. 0:06:12.560 --> 0:06:17.159 No, I truly like, I love your bud. How's it going? Popcorn? 0:06:19.320 --> 0:06:20.880 I really do. I'm a fan. 0:06:21.200 --> 0:06:22.800 Honestly forgot I was on the show. I was like, man, 0:06:22.800 --> 0:06:23.720 this is a really good episode. 0:06:24.880 --> 0:06:27.680 Tell the folks about popcorn finance and what all you 0:06:27.760 --> 0:06:30.120 do that's so important in this world. 0:06:31.040 --> 0:06:33.479 I do joke off popcorn finance as short form podcast. 0:06:33.520 --> 0:06:35.800 I've been doing it for about seven years, Nellie. I 0:06:35.839 --> 0:06:37.919 didn't know. I've I've been watching Ellie and do all 0:06:38.000 --> 0:06:39.680 the amazing stuff for so long. I didn't know that 0:06:39.720 --> 0:06:41.480 you've been doing it for ten years on YouTube. That's 0:06:41.600 --> 0:06:42.320 a long time. 0:06:43.080 --> 0:06:46.359 Hopefully one day I'll bet twenty two. We needed the 0:06:46.400 --> 0:06:47.200 youth vote. 0:06:47.600 --> 0:06:51.680 When I started, just a baby when you started. But 0:06:51.800 --> 0:06:53.760 I know, I started the show just for fun. It 0:06:53.800 --> 0:06:55.200 was like kind of like you, and I was like, 0:06:55.200 --> 0:06:56.320 you know, I kind of wanted to do want to 0:06:56.320 --> 0:06:58.160 try it out. I was like, at do this podcast thing, 0:06:58.200 --> 0:07:00.479 Say how it works out. I did the first episodes 0:07:00.520 --> 0:07:02.240 in the front seat of my car on my phone, 0:07:03.000 --> 0:07:05.560 this with a notebook on my lunch breaks, and I 0:07:05.640 --> 0:07:08.279 just organically kept growing and I decided to keep doing 0:07:08.279 --> 0:07:09.800 even though I want to quit a bunch of times. 0:07:10.040 --> 0:07:11.920 And it kind of turned just really fun career that 0:07:11.920 --> 0:07:13.560 I didn't expect that I'd be doing it all. I 0:07:13.560 --> 0:07:16.720 was working as a bookkeeper and then a financial analyst, 0:07:16.760 --> 0:07:18.640 and I eventually left my day jab a couple more 0:07:18.720 --> 0:07:20.640 three years ago at this point now to do this 0:07:20.680 --> 0:07:22.960 full time. So I do the podcast, I do some 0:07:23.000 --> 0:07:26.240 writing for Men's Health. I'll do some stuff on the news, 0:07:26.280 --> 0:07:29.040 some random stuff on video when I get a chance too. 0:07:29.200 --> 0:07:31.640 Just it's turned a really fun way of teaching something 0:07:31.640 --> 0:07:32.880 that I think a lot of people need to know 0:07:32.880 --> 0:07:34.200 about a lot of people that are really scared and 0:07:34.280 --> 0:07:37.320 uncomfortable to talk about. So I hope that I'm helping 0:07:37.320 --> 0:07:39.160 people out feel a little more comfortable, a little less 0:07:39.160 --> 0:07:41.600 scared when it comes to talking about money. But yeah, 0:07:42.040 --> 0:07:44.360 there's been been a good, good run doing popcorn finance 0:07:44.360 --> 0:07:45.000 for all this time. 0:07:45.400 --> 0:07:48.520 I love how different we all are. So I'm suburban 0:07:48.600 --> 0:07:51.760 mom trying not to be in this with my cheering 0:07:52.560 --> 0:07:56.000 yan Nellie, your partnered in Miami. And then Chris, are 0:07:56.040 --> 0:07:58.000 you single? Pringle? What's going on in your life? What's 0:07:58.000 --> 0:07:59.760 your home life situation like. 0:08:00.080 --> 0:08:03.160 My homeland situation. I knew, I knew it. I knew it. 0:08:03.200 --> 0:08:05.280 I've been I've been waiting for this day because I 0:08:05.320 --> 0:08:07.200 was like, Maddie's gonna jump right into She's gonna give 0:08:07.200 --> 0:08:08.920 me three and a half seconds to act like she's 0:08:08.960 --> 0:08:10.080 not gonna ask me this question. 0:08:10.160 --> 0:08:11.560 If I'm gonna have a dude in the dude, let 0:08:11.600 --> 0:08:13.800 me just go ahead and answer. Asked the question. Be 0:08:13.880 --> 0:08:16.480 a fan wants to know. I was like, your beard connects, 0:08:16.880 --> 0:08:20.800 You're not terribly unfortunate to look at and you are 0:08:20.840 --> 0:08:22.920 a nice dude. So just let the ladies know what's 0:08:22.960 --> 0:08:23.320 going on. 0:08:24.160 --> 0:08:27.679 I am well, I was was married for a long time. 0:08:28.320 --> 0:08:33.400 Uh single as of last year. Maddie Maddie that she 0:08:33.400 --> 0:08:35.080 didn't know my story. She knows what's going I haven't 0:08:35.120 --> 0:08:35.480 talked to you a. 0:08:35.480 --> 0:08:36.720 Couple of weeks, things could change. 0:08:36.920 --> 0:08:37.880 She has my whole story. 0:08:37.960 --> 0:08:40.120 It's a situation in your love life. 0:08:40.760 --> 0:08:46.760 But I did recently start seeing someone for her and. 0:08:46.640 --> 0:08:50.240 Then for I wasna say, don't say her name yet. 0:08:50.440 --> 0:08:52.160 No, no, no, no. She was like, don't say my name. 0:08:52.240 --> 0:08:54.600 She's like, she's like, you know, she's like, I need 0:08:54.640 --> 0:08:56.480 people coming for me. Just you can just get me 0:08:56.520 --> 0:08:57.640 to this, give me to. 0:08:57.600 --> 0:08:59.480 This way way way, way, way, way way. I don't 0:08:59.520 --> 0:09:02.000 know if we're like I don't know if it's like 0:09:02.080 --> 0:09:03.960 one of the boy band people, like when Harry Style 0:09:04.040 --> 0:09:06.439 starts dating someone in his fans like attack the other person. 0:09:06.440 --> 0:09:07.920 I don't think this is like no, I just want 0:09:07.920 --> 0:09:08.800 to bring you down to earth. 0:09:08.960 --> 0:09:12.040 Oh no no no, I didn't say this. 0:09:12.240 --> 0:09:14.640 These are not my work, right, she said it. She 0:09:14.720 --> 0:09:16.520 said I got your back. She said it not you. 0:09:16.679 --> 0:09:19.240 She here's the ba fam. I don't know, no, no, no, no. 0:09:19.280 --> 0:09:21.160 She In general, she was like, she was like, you know, 0:09:21.200 --> 0:09:23.040 because she's a very private person, she's not really on 0:09:23.080 --> 0:09:24.600 social media like that. So I was like, I get 0:09:24.600 --> 0:09:26.199 it's like, look, no one's gonna care, no one cares 0:09:26.200 --> 0:09:27.719 about me like that. You'll be fine. But she was 0:09:27.760 --> 0:09:29.800 like it's fine. You don't feel you don't have to, 0:09:30.040 --> 0:09:32.839 so I'll call her b for now. Just keep for 0:09:32.920 --> 0:09:35.679 sure be uh. It's very new, been a couple of 0:09:35.720 --> 0:09:38.480 months dating, but it's been nice. It's been a really 0:09:38.480 --> 0:09:39.000 great person. 0:09:40.520 --> 0:09:43.440 I'm glad that I had enough time being single Chris's 0:09:43.480 --> 0:09:45.360 friend and like being aware of it to give you 0:09:45.400 --> 0:09:49.240 all kinds of funny, useless dating advice and tease you 0:09:49.240 --> 0:09:51.240 about it. But now that you're boot up, all right, 0:09:51.360 --> 0:09:55.840 it's fine. The man taken for now, y'all. Okay, so 0:09:55.920 --> 0:09:58.880 what's your superpower? So, y'all, Nelly, Chris, you know, I'm 0:09:58.920 --> 0:10:02.520 the negotiation queen. Tiffany was always our business batty. Now 0:10:02.520 --> 0:10:04.800 I'm kind of holding up that we're all business batties here. 0:10:04.800 --> 0:10:06.640 But like, what do you love talking about? What's your 0:10:06.640 --> 0:10:08.439 favorite thing to coach people in? What do people come 0:10:08.480 --> 0:10:11.240 to you for? Yeah, Nelly, you go first. 0:10:11.520 --> 0:10:13.640 So for me, it's really much like it's very very 0:10:13.720 --> 0:10:16.640 much rooted in the beginner stuff around money, you know, 0:10:16.720 --> 0:10:20.000 like I target younger professional so like you're fresh out 0:10:20.040 --> 0:10:21.839 of college and you're just starting to wrap your mind 0:10:21.880 --> 0:10:24.800 around money. You don't have a budget, you probably have 0:10:24.840 --> 0:10:26.840 some debt, you need to repay. You are just trying 0:10:26.880 --> 0:10:28.360 to figure out what the heck is a credit score 0:10:28.400 --> 0:10:30.880 and what is yours? You know, just like I'm a 0:10:30.920 --> 0:10:35.160 really good intro into money. And then the other piece 0:10:35.200 --> 0:10:36.920 I would say, like I'd love to talk about for 0:10:37.000 --> 0:10:38.800 hours and hours an hours, is just you know, financial 0:10:38.800 --> 0:10:41.640 literacy education in the school system, Why we don't have it, 0:10:41.679 --> 0:10:44.240 why we need it more of it, And really dedicated 0:10:44.240 --> 0:10:45.960 my career to making sure that it is in schools 0:10:46.000 --> 0:10:48.040 because I used to be a teacher and I just 0:10:48.120 --> 0:10:50.160 remember thinking like, how is it possible that when I 0:10:50.240 --> 0:10:52.920 was sitting in the student seat, I never got taught 0:10:52.920 --> 0:10:53.640 financial literacy? 0:10:53.679 --> 0:10:54.319 And then now I'm a. 0:10:54.240 --> 0:10:55.920 Teacher, I'm at the front of the classroom and I 0:10:55.960 --> 0:10:58.360 still don't see any financial literacy in the curriculum. When 0:10:58.400 --> 0:11:00.640 the hell is this going to change? So yeah, I 0:11:00.640 --> 0:11:01.920 mean I would say those are my two things, like 0:11:02.000 --> 0:11:05.280 coming in intro very much like Guide to Money one 0:11:05.320 --> 0:11:09.200 on one, and then also financial education in schools. 0:11:09.559 --> 0:11:10.920 Awesome, all right, Chris? 0:11:11.600 --> 0:11:12.200 Who I say? 0:11:12.280 --> 0:11:12.560 For me? 0:11:13.040 --> 0:11:15.720 I think the thing that I feel like I handle 0:11:15.800 --> 0:11:18.040 well that I do the best is I really like 0:11:18.240 --> 0:11:20.800 learning about really complicated things and then trying my best 0:11:20.840 --> 0:11:22.960 to break it down, to make it as simple as possible. 0:11:23.320 --> 0:11:25.120 I think there's too many people who like to sound 0:11:25.160 --> 0:11:27.480 real smart by using a bunch of big words, make 0:11:27.480 --> 0:11:29.440 stuff sound so complicated you get no idea what they're 0:11:29.440 --> 0:11:31.520 talking about. And to me, that just helps nobody. Like, 0:11:31.520 --> 0:11:33.560 I don't care if anyone thinks that I'm the smartest 0:11:33.559 --> 0:11:35.280 person in the room. If I can at least make 0:11:35.320 --> 0:11:38.080 something sound simple and understandable to people, that's that's the 0:11:38.080 --> 0:11:40.080 whole point, right, because we all want to understand this, 0:11:40.120 --> 0:11:42.400 and we all just feel scared and intimidated, and people 0:11:42.480 --> 0:11:43.920 just throw a bunch of stuff at us that makes 0:11:43.920 --> 0:11:46.359 no sense at all, one topic. 0:11:46.120 --> 0:11:47.680 That you love to just like you're just like that 0:11:47.720 --> 0:11:49.600 guy at the cookout where it's like Jesus Christ, here 0:11:49.600 --> 0:11:52.920 comes Curtsey. I'm talking about insurance policies. What's your thing? 0:11:53.080 --> 0:11:54.160 Well, hope we're not insurance. 0:11:54.160 --> 0:11:57.400 Both, No, it's not insurance policies. I hope I'm not 0:11:57.440 --> 0:12:00.880 that person. Don't get me started on topalking about like 0:12:01.880 --> 0:12:02.800 the insurance. 0:12:02.440 --> 0:12:04.640 People who love insurance, Like, yeah, no. 0:12:05.120 --> 0:12:06.679 What did you just say say in your voice to 0:12:06.760 --> 0:12:07.200 men voice? 0:12:07.240 --> 0:12:07.559 What was it? 0:12:08.679 --> 0:12:12.520 I was like Federal Reserve on the Federal Reserve. That's 0:12:13.840 --> 0:12:16.839 I love talking about like reading about it, talking about 0:12:16.840 --> 0:12:20.120 it interest rates. 0:12:19.960 --> 0:12:23.000 So like more economic and how that affects your personal finances. 0:12:23.040 --> 0:12:26.520 Oh yeah, because it's fascinating. It's so broad and it's 0:12:26.559 --> 0:12:29.280 so complicated. Its ridiculously complicated. But when I can find 0:12:29.280 --> 0:12:31.040 a little piece and I understand it, I love just 0:12:31.080 --> 0:12:32.960 like just digging into and talking about it more. 0:12:33.080 --> 0:12:34.719 That is such a good segue for one of the 0:12:34.760 --> 0:12:36.960 first things I wanted to talk about, which is Beyonce Bowl. 0:12:37.240 --> 0:12:39.560 Did you guys watch the Beyonce halftime? 0:12:42.800 --> 0:12:46.040 Who did not watch it? And why not? That's what 0:12:46.080 --> 0:12:47.120 I want to know. 0:12:47.240 --> 0:12:49.800 How many times have you watched it? Because I like 0:12:49.880 --> 0:12:53.760 to prescribe myself twice a day. That's what I'm getting 0:12:53.760 --> 0:12:55.400 ready and like once when the kids come home because 0:12:55.400 --> 0:12:57.120 they like it. 0:12:57.360 --> 0:12:59.720 I haven't watched it that many times, but I've definitely 0:12:59.720 --> 0:13:02.959 seen at least two times full and then so many 0:13:03.040 --> 0:13:05.120 clips and replays on social media that I feel like 0:13:05.120 --> 0:13:06.880 I don't seen it ten times at this point now 0:13:06.920 --> 0:13:10.079 because of all the little clips on social But honestly, 0:13:10.160 --> 0:13:10.760 she killed it. 0:13:10.760 --> 0:13:11.439 It was amazing. 0:13:11.480 --> 0:13:13.240 I could watch it ten times and be fine. I 0:13:13.280 --> 0:13:15.440 would have no problems watching it twice a day, like 0:13:15.679 --> 0:13:19.040 it was amazing. She's so incredible and like if anybody 0:13:19.240 --> 0:13:24.000 does not believe she is the best entrepreneur and entrepreneurial 0:13:24.040 --> 0:13:27.160 performer of our time. Like your bucket, you're tripping, go 0:13:27.200 --> 0:13:28.840 take a break posted down somewhere. 0:13:29.040 --> 0:13:31.160 And why it was so crisp. I was like, this 0:13:31.200 --> 0:13:33.640 is putting every Super Bowl halftime show I seen to shame. 0:13:33.920 --> 0:13:35.520 I was like, this is a random game in the 0:13:35.520 --> 0:13:37.640 middle of the year on Netflix, and I was like, 0:13:37.679 --> 0:13:39.440 this is eight K or something that was like the 0:13:40.360 --> 0:13:41.560 blew everything else out of the water. 0:13:41.600 --> 0:13:42.960 I could not tell you who played the game. 0:13:43.160 --> 0:13:44.840 I couldn't tell you. 0:13:44.920 --> 0:13:47.960 I was as I knew that it. 0:13:47.880 --> 0:13:50.160 Was in Texas. I knew that, but we were my family. 0:13:50.559 --> 0:13:53.679 It was Christmas Day because usually a lot of Latin 0:13:53.720 --> 0:13:57.560 American countries you celebrate Christmas on Christmas Eve, so my 0:13:57.600 --> 0:14:01.080 family CELEBRATESYNA. But they're so many of us, so like 0:14:01.360 --> 0:14:03.480 I have so many siblings, Like trying to get everybody 0:14:03.520 --> 0:14:05.280 together on the day of the holiday is it's not 0:14:05.320 --> 0:14:07.160 gonna work right with other schedules. So we always say, 0:14:07.160 --> 0:14:10.600 like celebrate the actual holiday, now out with like your husbands, 0:14:10.640 --> 0:14:13.520 your wife, your kids, your partners, and then on Christmas 0:14:13.600 --> 0:14:17.520 Day we all come together. So we were together on 0:14:17.600 --> 0:14:20.720 Christmas Day and I'm like, you know, We're having our 0:14:20.760 --> 0:14:23.120 little drinks or hookto or ponto whatever, and all of 0:14:23.120 --> 0:14:23.920 a sudden, my sister. 0:14:23.800 --> 0:14:27.120 Goes, oh his life, they have says on and I 0:14:27.280 --> 0:14:29.040 drop everything. I dropped stuff on the. 0:14:29.040 --> 0:14:30.840 Table, just ran over to the other room, and everybody 0:14:30.880 --> 0:14:33.280 quiets down and we're just like stuck to the screen, 0:14:33.440 --> 0:14:35.680 like this was so amazing. 0:14:35.760 --> 0:14:38.720 Everybody, Yes, oh my goodness. 0:14:39.000 --> 0:14:41.520 And then afterwards, when you see the clips on social 0:14:41.800 --> 0:14:43.880 you get to see them behind the scenes, the working 0:14:44.000 --> 0:14:48.040 of it. Yeah, and then it's just even oh my goodness, 0:14:48.080 --> 0:14:51.200 Like now I'm even more in awe because I saw 0:14:51.240 --> 0:14:53.960 her like walking ahead, go get her little water, take 0:14:53.960 --> 0:14:55.560 her at quick break, and then jump right back in 0:14:55.600 --> 0:14:58.120 and the back behind the scenes stuff, I mean talk 0:14:58.160 --> 0:15:01.480 about like art and genius Like that was just so brilliant. 0:15:01.640 --> 0:15:03.400 I love watching those behind the scenes clips. 0:15:04.680 --> 0:15:06.200 Chris, your thoughts. 0:15:07.920 --> 0:15:10.760 The greatest live performer of all time? I mean, she 0:15:10.840 --> 0:15:12.080 might be up to I mean, I guess you put 0:15:12.080 --> 0:15:15.200 Michael Jackson up there. Of course you guys are, but 0:15:15.440 --> 0:15:19.000 I mean to be that perfect and crisp, like, no, 0:15:19.160 --> 0:15:20.800 she's walking up and now to me, when ever someone's 0:15:20.800 --> 0:15:24.280 walking downstairs on the performance, I'm always like, oh, but 0:15:24.600 --> 0:15:28.200 she she shouldn't stumble, shouldn't trip, shouldn't mess up. And 0:15:28.240 --> 0:15:31.080 it's just you know that she if she's out there, 0:15:31.160 --> 0:15:32.680 she's put in so many hours, and you know that 0:15:32.720 --> 0:15:35.000 if anyone back behind her is dare instead of doing something, 0:15:35.240 --> 0:15:36.560 they had to put in a bunch of hours. So 0:15:36.600 --> 0:15:38.360 she's not gonna let anybody just be up there behind 0:15:38.400 --> 0:15:41.320 there making her look bad. It was on I mean, 0:15:41.320 --> 0:15:42.440 and it was the fact that it was like she 0:15:42.560 --> 0:15:45.120 was on all yeah, horses, you got cars, you got 0:15:45.120 --> 0:15:49.200 this band coming through. It was I was blown away. 0:15:49.360 --> 0:15:50.920 I was I remember because my family. 0:15:50.720 --> 0:15:54.520 You're not yup. I couldn't put the way that I was, like, 0:15:54.680 --> 0:15:57.280 I can't write this book, you know, and like I'm 0:15:57.280 --> 0:15:59.280 gonna do this challenge that I wanted to launch at 0:15:59.320 --> 0:16:00.920 the beginning of the year. I'm gonna get that shit 0:16:01.000 --> 0:16:05.240 done because she just makes you it's just magical. Thanks God. 0:16:05.640 --> 0:16:07.440 She's just like the antidote I feel like to women 0:16:07.480 --> 0:16:10.360 of color, just like black women, especially just a walking, living, 0:16:10.400 --> 0:16:11.680 breathing love letter. 0:16:12.160 --> 0:16:14.600 Yes, and it's true. You know, even I talk to 0:16:14.680 --> 0:16:17.360 students a lot about Beyonce as an entrepreneur because people 0:16:17.400 --> 0:16:19.440 love to talk about, oh but the singing and the 0:16:19.520 --> 0:16:22.080 dancing and da da da, and it's like, listen, don't 0:16:22.160 --> 0:16:24.840 sleep on the fact that she took that Beachella performance 0:16:25.360 --> 0:16:28.800 and turned it into a from a four million dollar performance, 0:16:28.800 --> 0:16:31.520 which people were like shocked that was so low for her. 0:16:31.560 --> 0:16:34.400 She usually charges way more than that for a live performance. 0:16:34.600 --> 0:16:37.800 She charged four million dollars to perform at Coachella because 0:16:37.960 --> 0:16:40.160 there was a clause in the contract that said that 0:16:40.200 --> 0:16:42.800 she would get exclusive rights to all of the footage 0:16:42.840 --> 0:16:45.360 of the Coachella performances on both weekends. And what does 0:16:45.400 --> 0:16:47.760 she go ahead and do turn right around and sell 0:16:47.800 --> 0:16:48.760 that footage. 0:16:48.320 --> 0:16:50.920 To Netflix for sixty million dollars. 0:16:51.320 --> 0:16:54.640 So, you know, if people don't understand the entrepreneurial stuff 0:16:54.640 --> 0:16:57.000 happening behind and of course she has a team and 0:16:57.040 --> 0:16:59.200 she has her people, and it's not like she's doing this. 0:16:59.120 --> 0:16:59.840 All by herself. 0:17:00.120 --> 0:17:03.360 But still for somebody to say anything that about that 0:17:03.760 --> 0:17:04.399 is just to me. 0:17:04.600 --> 0:17:06.840 I just I don't understand, like it's to. 0:17:06.880 --> 0:17:09.640 Me, See Mandy, I'm gonnake you Fela, because I'm gonna 0:17:09.640 --> 0:17:11.280 give a complimence that you've been insulting me all day, 0:17:11.640 --> 0:17:14.919 but we're not trying. When I see Mandy, right, you 0:17:14.920 --> 0:17:16.600 have such a great mind, right, because there's so many 0:17:16.600 --> 0:17:19.040 people who are talented, like you said, like Beyonce very talent, 0:17:19.080 --> 0:17:22.800 obviously extremely talented, Mandy very talented, but they also have 0:17:22.840 --> 0:17:23.960 the mind to turn that into something. 0:17:24.040 --> 0:17:24.119 Right. 0:17:24.200 --> 0:17:25.840 I've seen so many people who are good at something 0:17:26.119 --> 0:17:28.440 who is just a gift. They enjoy it, people enjoy, 0:17:28.520 --> 0:17:30.680 but it's like they don't have that ability to turn 0:17:30.720 --> 0:17:33.080 that into something. And I think that's what separates Beyonce 0:17:33.160 --> 0:17:34.760 from a lot of other people. And Maddy, when I 0:17:34.760 --> 0:17:37.399 see you, you are always thinking about something. You always 0:17:37.400 --> 0:17:38.879 got something to turn it in your mind. You always 0:17:38.880 --> 0:17:41.160 got an idea, and that's what separates. 0:17:40.720 --> 0:17:41.520 You from. 0:17:43.560 --> 0:17:43.720 Good. 0:17:43.840 --> 0:17:46.520 For my dad, honestly, I had to come to Jesus 0:17:46.600 --> 0:17:48.560 moment where I'm like I am my father and my 0:17:48.600 --> 0:17:51.600 father was a used car salesman. He is a great salesman. 0:17:51.720 --> 0:17:56.320 And he's also like he repels traditional work, like he 0:17:56.440 --> 0:17:59.560 just repels having a boss and all that kind of stuff. Anyway, 0:17:59.640 --> 0:18:03.520 Well think I appreciate that, but I really believe in 0:18:03.560 --> 0:18:05.000 that you know I was thinking about sort of like 0:18:05.040 --> 0:18:08.199 twenty twenty five and looking ahead and trying to not 0:18:08.320 --> 0:18:12.159 make traditional resolutions, but just I did think about like 0:18:12.440 --> 0:18:15.040 a vibe or like a tone I wanted to go 0:18:15.080 --> 0:18:17.880 into this year with and like make decisions through because 0:18:17.880 --> 0:18:19.960 I think I kind of lost, like financially I lost. 0:18:20.280 --> 0:18:23.119 I've been pretty like transparent about some of the financial 0:18:23.160 --> 0:18:25.760 struggles that I've had because I've been writing this book 0:18:25.800 --> 0:18:27.719 and taking my foot off the business gas and like 0:18:28.240 --> 0:18:30.680 you know, trying to pause things like and grow, sew 0:18:30.760 --> 0:18:34.320 some seeds or plant some seeds or whatnot. Anyway, and 0:18:34.359 --> 0:18:36.520 I feel like some of the choices I was making 0:18:36.560 --> 0:18:39.000 financially this year were just not as tied to my 0:18:39.200 --> 0:18:42.199 values and to what I enjoy as much. And I 0:18:42.200 --> 0:18:45.199 think as a parent, like you do find yourself giving 0:18:45.280 --> 0:18:48.520 so much for the children and for like what would 0:18:48.560 --> 0:18:52.080 make them happy. And I'm hoping in twenty twenty five, 0:18:52.119 --> 0:18:53.679 I just want to go back to a space of 0:18:53.760 --> 0:18:57.160 like really you know, making financial moves for the lens 0:18:57.240 --> 0:18:59.320 of like what my values are and of course like 0:18:59.359 --> 0:19:02.159 the kids are there, but like long term values of 0:19:02.200 --> 0:19:05.080 like us being free to spend lots of time with 0:19:05.119 --> 0:19:07.560 them when they are older, and like being available to 0:19:07.600 --> 0:19:09.399 help them and be part of their community when they 0:19:09.440 --> 0:19:12.199 are you know, starting their own families or traveling, and 0:19:12.240 --> 0:19:15.639 like I want to be free for them later and 0:19:15.720 --> 0:19:19.639 like so me and creating like experiences with them versus 0:19:19.680 --> 0:19:23.360 like buying stuff. And I'm trying to bring so basically 0:19:23.440 --> 0:19:26.440 like trying to be a lot more selective with how 0:19:26.480 --> 0:19:29.480 I'm spending my money and reminding myself of that long 0:19:29.640 --> 0:19:31.800 I was so good about this before I had kids. 0:19:31.880 --> 0:19:35.040 I was always thinking about old Mandy and like saving 0:19:35.040 --> 0:19:38.560 for retirement and for my early retirement, and like that 0:19:38.680 --> 0:19:40.359 just kind of got lost, and I need to get 0:19:41.040 --> 0:19:43.480 we need to get back to that in twenty twenty five. 0:19:43.840 --> 0:19:46.600 And the other thing is just that community thing. And 0:19:46.640 --> 0:19:50.040 how like you mentioned with Beyonce jan Ellie and I think, 0:19:50.200 --> 0:19:52.080 I mean another thing that we have in me and 0:19:52.119 --> 0:19:54.960 Beyonce have in common because we are, like you said, Chris, 0:19:55.040 --> 0:19:57.879 like you said which I will quote, I am just 0:19:57.880 --> 0:20:01.560 like Beyonce and that I have an incredible mind exactly quick. Also, 0:20:02.160 --> 0:20:04.919 I believe in community so much, and it's one of 0:20:04.960 --> 0:20:08.240 the hardest things to like cultivate for ourselves at a 0:20:08.280 --> 0:20:11.320 certain point, like especially in our thirties, twenty thirties forties, 0:20:11.359 --> 0:20:16.480 like cultivate a community to support you through like rough patches. 0:20:16.520 --> 0:20:21.440 So that is the vibe I'm carrying into twenty twenty five. 0:20:23.160 --> 0:20:25.920 Do you guys have like a financial do you do 0:20:25.960 --> 0:20:28.720 the resolutions? Like? What do you feel like bea faan 0:20:28.840 --> 0:20:31.840 needs to hear as far as like financial goals, career 0:20:31.840 --> 0:20:34.200 goals that they may have heading into this year. 0:20:37.720 --> 0:20:43.160 Anyone, No, go for it, Chris, I want to hear yours. 0:20:43.480 --> 0:20:45.399 Oh well, you gonna be disappointed by manswer. I was going 0:20:45.400 --> 0:20:47.720 to say I'm not really great at making resolutions because 0:20:47.720 --> 0:20:49.720 I feel like I make them, and by February I 0:20:49.720 --> 0:20:51.600 already forgot whatever it was I said I was gonna do. 0:20:52.280 --> 0:20:55.119 So you don't have accountability, but I think. 0:20:55.680 --> 0:20:58.159 I did start doing like an accountability group with a 0:20:58.200 --> 0:21:00.000 couple of friends where we'll get together and we'll talk 0:21:00.359 --> 0:21:02.840 on a monthly basis some things that we want to accomplish, 0:21:02.880 --> 0:21:04.399 and then we'll meet and we'll work together, like on 0:21:04.400 --> 0:21:06.800 a zoom call for a couple of hours every week, 0:21:06.960 --> 0:21:08.960 just to kind of make sure we're all doing something, 0:21:09.080 --> 0:21:10.760 kind of check in with each other because I need 0:21:10.800 --> 0:21:12.679 that if someone doesn't ask me if I'm doing what 0:21:12.720 --> 0:21:14.399 I said I was going to do, I'm probably not 0:21:14.440 --> 0:21:14.959 going to do it. 0:21:15.640 --> 0:21:19.000 So I like, just two people write nothing crazy, Yeah, 0:21:19.200 --> 0:21:20.080 very small. 0:21:19.880 --> 0:21:22.840 Two people, very informal. We get in, we chat a 0:21:22.880 --> 0:21:24.280 little bit like this. It's a good way to keep 0:21:24.320 --> 0:21:26.760 saying contact with friends too. But then also we work 0:21:26.800 --> 0:21:28.679 together and it kind of makes us all feel motivated 0:21:28.680 --> 0:21:30.639 because when you see somebody else working, it makes you 0:21:30.680 --> 0:21:32.000 want to do something like, well, I don't want to 0:21:32.000 --> 0:21:34.720 be left behind. And we actually have a meeting next week. 0:21:34.720 --> 0:21:35.960 We'll do our first one other ye where we're going 0:21:36.040 --> 0:21:37.680 to go through and talk through what we want to 0:21:37.720 --> 0:21:39.399 do for the year, and even if we try to 0:21:39.440 --> 0:21:40.879 keep it small like do like a month at a 0:21:40.880 --> 0:21:42.879 time like opining, but we also going to maybe have 0:21:42.880 --> 0:21:44.960 a handful of things that we want to do for 0:21:45.000 --> 0:21:47.480 twenty twenty five. And I think it's making me think 0:21:47.480 --> 0:21:49.800 about it now. I'm ready for next week. But also 0:21:49.840 --> 0:21:52.120 it's like, you know, I'm looking forward to it versus 0:21:52.160 --> 0:21:55.400 normally I throw together some really weak resolutions that I'm 0:21:55.440 --> 0:21:57.000 not going to care about in a couple of months. 0:21:57.000 --> 0:21:58.480 So now that's what I'm doing this year. 0:21:58.640 --> 0:22:00.639 I think as a guy like I want more guys 0:22:00.680 --> 0:22:03.760 to be finding that community for themselves. Like I don't 0:22:03.800 --> 0:22:05.679 know if that's something that just like comes, Are you 0:22:05.760 --> 0:22:07.960 just more of a connector like that? Because I just 0:22:07.960 --> 0:22:11.840 feel like older, especially when you're older as a man, 0:22:11.920 --> 0:22:13.920 and I'm not trying to speak for an entire gender 0:22:14.000 --> 0:22:16.840 but as women do I can. I can give you 0:22:16.880 --> 0:22:20.159 some highlights of my opinion, but like there is this 0:22:20.240 --> 0:22:23.399 like loneliness and the The other day one of my 0:22:23.400 --> 0:22:24.760 guy friends was like, you know, I kind of feel 0:22:24.760 --> 0:22:26.479 like I almost forgot how to be a friend when 0:22:26.520 --> 0:22:30.240 there wasn't the structure of like school or common workplace 0:22:30.320 --> 0:22:33.200 and anyway. So I love that you said that. I'm 0:22:33.240 --> 0:22:35.440 just wondering what your take is on like just guys 0:22:35.480 --> 0:22:38.480 in general finding those connections if they feel like they've 0:22:38.600 --> 0:22:39.440 lost them. 0:22:40.040 --> 0:22:41.879 I remember Mandy asked me this when I came and 0:22:41.920 --> 0:22:45.000 help you in Tiffany with the Brown Ambition Live show 0:22:45.240 --> 0:22:47.680 last year. Game what you were like, Chris, I hear, 0:22:47.680 --> 0:22:48.520 men are really lonely. 0:22:48.600 --> 0:22:52.399 I'm like, what did I say that that sounds like? 0:22:54.760 --> 0:22:56.920 And I was like, I guess, but I will say 0:22:56.920 --> 0:23:00.640 it's sad, Chris. I was just talking to someone because 0:23:00.640 --> 0:23:02.919 these two people do the accountability thing with their women. 0:23:03.359 --> 0:23:04.800 So and I've told. 0:23:04.600 --> 0:23:07.800 Them, okay, okay, men, you do have a lot of girlfriends. 0:23:07.840 --> 0:23:09.080 I said, that was pretty suss. 0:23:09.880 --> 0:23:12.520 Yeah, look, I got an equal divide. I think it's 0:23:12.520 --> 0:23:14.840 probably fifty to fifty men and women who are friends 0:23:14.880 --> 0:23:17.640 who are friends with But what I find is that 0:23:18.280 --> 0:23:20.000 men with the friendships I have with man now, like 0:23:20.040 --> 0:23:22.000 long ones I've known since i was like really young, 0:23:22.520 --> 0:23:24.800 even these people I've known for decades, A lot of 0:23:24.840 --> 0:23:27.560 times you it stays very surface level, like you you 0:23:27.560 --> 0:23:29.359 you talk about like what you're doing in the moment, 0:23:29.400 --> 0:23:32.280 maybe with sports, maybe a movie like It's You don't 0:23:32.359 --> 0:23:35.520 dive deep into emotions, where I find oftentimes my friendships 0:23:35.520 --> 0:23:37.919 with women are more fulfilling because they're gonna be like, well, 0:23:37.960 --> 0:23:40.280 how are you really doing? And my guy friends almost 0:23:40.440 --> 0:23:42.600 never asked me that question because you're almost like, I 0:23:42.600 --> 0:23:44.280 don't want to bug them. Man, we know you get 0:23:44.280 --> 0:23:46.120 into that. So you end up with these very light 0:23:47.040 --> 0:23:50.919 interactions with men and more deep conversations with women. I find, 0:23:51.359 --> 0:23:53.320 and I think that's probably why, at least to the 0:23:53.320 --> 0:23:55.920 male kind of loneliness epidemic they talk about, because I 0:23:55.960 --> 0:23:59.000 think men have friends, but we oftentimes don't get into 0:23:59.000 --> 0:24:01.200 like deep stuff that you do don't want to talk about, 0:24:01.680 --> 0:24:03.240 but you don't you're not gonna, we don't want to 0:24:03.240 --> 0:24:05.240 bring it up, So you're just gonna like not talk 0:24:05.280 --> 0:24:07.199 about the things that you out they're probably bothering you 0:24:07.240 --> 0:24:08.359 that you really want to talk about. 0:24:08.520 --> 0:24:10.239 Well, we can't be telling everybody, all the men out 0:24:10.240 --> 0:24:11.840 there to go get some more friends who are girls 0:24:11.840 --> 0:24:13.840 because of the girlfriends and wives, like some people are 0:24:13.880 --> 0:24:14.200 not cool. 0:24:14.200 --> 0:24:16.520 Oh no, no, right, no, go to therapy. 0:24:16.800 --> 0:24:21.960 Yeah yeah, they're very involved, dude. But I just I 0:24:22.000 --> 0:24:24.000 think it's worth talking about. And I think as like, 0:24:24.560 --> 0:24:27.760 just as we move through this year having good examples 0:24:27.880 --> 0:24:29.520 of men, like I feel like we need to see 0:24:29.680 --> 0:24:32.160 more men talking to each other about those deep subjects 0:24:32.160 --> 0:24:34.440 because there's something about I think talking to someone who 0:24:34.480 --> 0:24:37.400 really gets you the way that you know, women are 0:24:37.400 --> 0:24:40.320 not going to understand full of your experience, like you know, 0:24:40.359 --> 0:24:42.560 and I feel that way about my girlfriends, and I 0:24:42.600 --> 0:24:45.440 just kind of like want that for guys as well. 0:24:46.119 --> 0:24:47.960 Yeah, you gotta. I try to do with my friends. 0:24:48.080 --> 0:24:50.000 I try to like push them to talk about some 0:24:50.080 --> 0:24:51.880 things every now and then, just to just to get them, 0:24:51.920 --> 0:24:54.440 make them a little uncomfortable and out for what's really 0:24:54.440 --> 0:24:56.639 going on in their head. And oftentimes they're receptive to 0:24:56.640 --> 0:24:59.159 it. It's just that we don't We're not. It's not ingrained 0:24:59.160 --> 0:25:00.679 in us to have I have with those type of 0:25:00.680 --> 0:25:02.240 conversations are initiated with each other. 0:25:02.320 --> 0:25:04.400 Well, maybe don't start talking about the FED so much 0:25:04.440 --> 0:25:06.400 and then open appability. 0:25:07.000 --> 0:25:09.840 I'll try. It's hard though, all. 0:25:09.800 --> 0:25:12.000 Ryan, Ellie, what about you boo? And it's cool if 0:25:12.040 --> 0:25:13.600 you have nothing, like if you're just like, I don't know, 0:25:13.640 --> 0:25:16.320 it's another year. We're not doing that, No, you know what. 0:25:16.520 --> 0:25:19.159 I I was looking at my net worth and I 0:25:19.200 --> 0:25:20.680 was like, do I want to set a networth goal? 0:25:21.080 --> 0:25:23.800 I'm so I there was an article written about me. Oh, 0:25:23.920 --> 0:25:25.159 I think, I want to say it was maybe like 0:25:25.200 --> 0:25:26.439 twenty eighteen around there. 0:25:26.480 --> 0:25:27.720 I don't know you I'll. 0:25:27.560 --> 0:25:29.399 Pull it up if you want, but it was it 0:25:29.440 --> 0:25:32.320 was from It was an article that talked about like 0:25:32.359 --> 0:25:35.720 my net worth. I was in my twenties and I 0:25:35.760 --> 0:25:38.399 had like fifty thousand dollars of savings. Now at that 0:25:38.520 --> 0:25:42.960 time that was huge because my brokeass. I mean, I 0:25:43.040 --> 0:25:44.800 come from a family where like if you have five 0:25:44.880 --> 0:25:48.600 hundred dollars you rich. So to have fifty thousand dollars 0:25:48.640 --> 0:25:51.159 that was all mine, like and it was all liquid, 0:25:51.200 --> 0:25:52.679 like it was just my cash savings, like I had 0:25:52.720 --> 0:25:54.879 done such a good job of like just saving up 0:25:54.880 --> 0:25:56.720 to cash saving cash. Now a lot of it was 0:25:56.800 --> 0:26:00.480 in like a brokerage account and stuff, but that number was. 0:26:00.400 --> 0:26:01.280 Like a big deal to me. 0:26:01.880 --> 0:26:04.520 And then like I want to say, like three years 0:26:04.600 --> 0:26:06.840 later or like, yeah, it was around like you have 0:26:06.880 --> 0:26:08.720 to COVI, so like twenty twenty one ish, So maybe 0:26:08.720 --> 0:26:11.720 three four years after that article came out, I looked 0:26:11.760 --> 0:26:13.879 at my networks and it was over five hundred K, 0:26:14.560 --> 0:26:18.040 and I was like, WHOA, Like three four years ago 0:26:18.920 --> 0:26:21.160 I had to pull together all my statements to show 0:26:21.200 --> 0:26:23.240 evidence to this article, to the people from this article 0:26:23.240 --> 0:26:26.920 that I had fifty K. And now just three four 0:26:27.000 --> 0:26:30.480 years later, we're ten x my network And that was 0:26:30.480 --> 0:26:31.280 so huge to me. 0:26:31.400 --> 0:26:34.040 But I didn't necessarily set a goal to do that. 0:26:34.160 --> 0:26:36.640 I was just like I was really on my game 0:26:36.640 --> 0:26:39.160 when it came to like my investments and maxing out 0:26:39.160 --> 0:26:41.639 this account and that account. Like I was really not 0:26:41.680 --> 0:26:45.520 necessarily frugal, but I was really intentional with my lifestyle 0:26:45.560 --> 0:26:47.200 so that I could put as much money towards my 0:26:47.240 --> 0:26:49.280 investment accounts. And of course we've had a good run 0:26:49.280 --> 0:26:50.920 of the stock market for the past couple of years, 0:26:51.280 --> 0:26:53.000 so that has definitely helped. 0:26:53.320 --> 0:26:55.640 But so that was a huge accomplishment. 0:26:55.680 --> 0:26:57.439 Now this year, I looked at it again and I'm like, 0:26:58.119 --> 0:26:59.920 I really want to set a net worth goal. 0:27:00.200 --> 0:27:00.360 Now. 0:27:00.400 --> 0:27:02.480 The reason why I don't really want to do it 0:27:02.520 --> 0:27:04.040 is because I feel like, if I do it, I'm 0:27:04.040 --> 0:27:05.359 going to I want to want to share it, right, 0:27:05.359 --> 0:27:06.760 and I want to talk about my goals and stuff, 0:27:06.840 --> 0:27:09.520 but I'm not sure I want to share like if 0:27:09.520 --> 0:27:11.760 slash when I crossed that million dollars, Like I don't know, 0:27:11.800 --> 0:27:13.200 because you know how this tiktoks back. 0:27:13.240 --> 0:27:14.600 I'm a thirty five year old millionaire. 0:27:15.320 --> 0:27:19.479 You really don't have to something about the internet, especially 0:27:19.560 --> 0:27:21.720 like being a financial creator makes you feel like you 0:27:21.760 --> 0:27:23.159 got to put all your business out there all the. 0:27:23.200 --> 0:27:26.560 Time, sane, and that's the pressure I felt like I was. 0:27:26.720 --> 0:27:27.640 I feel this. 0:27:27.640 --> 0:27:31.280 Pressure like I I'm wanting or I feel like I'm 0:27:31.320 --> 0:27:34.000 wanting to post content about you know, when I hit 0:27:34.000 --> 0:27:35.560 my million, when I'm so close, I'm here and there's 0:27:35.560 --> 0:27:37.560 where I am in relation and like, but do I 0:27:37.600 --> 0:27:39.639 really want to do that because there's some you know, 0:27:40.000 --> 0:27:43.120 some bad apples and bad players, and I'm like, don't 0:27:43.119 --> 0:27:44.400 really want everybody having. 0:27:44.440 --> 0:27:46.119 Access to that information about me. 0:27:46.720 --> 0:27:49.399 So that's been more on my headspace more so, like 0:27:49.440 --> 0:27:51.159 do I really need to set a goal around my 0:27:51.160 --> 0:27:51.959 financial network? 0:27:52.160 --> 0:27:53.919 Can I just like keep tracking it the way. 0:27:53.760 --> 0:27:55.200 I have been and like when I hit my goal, 0:27:55.320 --> 0:27:57.080 kind of have my own celebration and not put it 0:27:57.080 --> 0:27:59.639 out there on blast for everybody. But I mean, I 0:28:00.240 --> 0:28:02.640 everybody already knows I crossed the half a million dollar. 0:28:02.440 --> 0:28:04.120 Mark, so there's that. 0:28:04.320 --> 0:28:06.199 But you know, again, it just feels to me like 0:28:06.240 --> 0:28:08.160 we all work so hard for the million or the millions, 0:28:08.200 --> 0:28:11.000 and it's like I'm thinking now that maybe it doesn't 0:28:11.000 --> 0:28:12.639 make sense for me to go so public with that 0:28:12.680 --> 0:28:15.639 on my platform into like cause it doesn't really matter. 0:28:15.760 --> 0:28:17.320 And it feels to me a little bit like I'm 0:28:17.440 --> 0:28:19.400 bragging to everybody that I made a million and then 0:28:19.400 --> 0:28:23.280 why versus like what I'm doing is what matters in 0:28:23.320 --> 0:28:25.399 the strategies and like the knowledge and the books that 0:28:25.400 --> 0:28:27.520 help me get there in the podcast, and that sharing 0:28:27.680 --> 0:28:31.200 resources rather than showing like telling you my credit score 0:28:31.400 --> 0:28:33.280 doesn't do anything for you. But if I tell you 0:28:33.320 --> 0:28:35.119 what I did to improve my credit score, you can 0:28:35.160 --> 0:28:37.000 do the same and that helps you. So I'm trying 0:28:37.000 --> 0:28:39.800 to decide for my brand in general, like in the 0:28:39.840 --> 0:28:42.840 work that I'm doing, how do I push more resources 0:28:42.840 --> 0:28:46.280 and strategies and information that is actionable and not just 0:28:46.680 --> 0:28:49.520 you know, flaunting these stats and figures and numbers. So 0:28:49.560 --> 0:28:51.480 that doesn't necessarily feel to me like it's really serving 0:28:51.480 --> 0:28:53.280 anybody built myself and my big old ego. 0:28:54.240 --> 0:28:57.040 Yeah, I mean it's definitely like a building authority and trust, right, 0:28:57.120 --> 0:28:59.280 so you can show like proof of concept. But I 0:28:59.320 --> 0:29:01.520 get what you're saying, and I think I think as 0:29:01.560 --> 0:29:03.560 creators there are no rules. I think you just do 0:29:03.640 --> 0:29:06.480 whatever you feel comfortable doing. And everyone's an individual. And 0:29:06.960 --> 0:29:09.600 that's where I need to stop. Like when I go 0:29:09.640 --> 0:29:12.000 on Instagram or TikTok, I find that I just feel 0:29:12.000 --> 0:29:14.719 worse or I'll start to feel like bad or just 0:29:14.720 --> 0:29:17.360 like a general like malaise kind of descends upon me 0:29:17.720 --> 0:29:20.480 and I just kind of try not to. And it's 0:29:20.520 --> 0:29:24.520 not necessarily anything is so negative. It's just I start 0:29:24.560 --> 0:29:28.920 to question and think and consider other ways of doing things, 0:29:28.920 --> 0:29:31.960 and I kind of you kind of lose sight of like, Okay, 0:29:32.080 --> 0:29:34.160 what actually is grounded and who I am and what 0:29:34.240 --> 0:29:36.040 I value and like what I want to put out 0:29:36.040 --> 0:29:38.680 into the world, and I like it. It's also about 0:29:38.800 --> 0:29:41.520 for me. This The word that I kind of went 0:29:41.560 --> 0:29:44.720 into the past week was with over the past two 0:29:44.720 --> 0:29:48.760 weeks was execute, Execute, Execute, like get off of the 0:29:48.840 --> 0:29:52.800 distractions and just make some shit happen. Because I was stressed. 0:29:52.880 --> 0:29:56.120 I was overwhelmed. I had this big book deadline. Dude, 0:29:56.160 --> 0:30:01.280 I had three chapters that were due December thirty. First, 0:30:01.360 --> 0:30:04.480 I want to say when yeah, I remember something like that. Yeah, 0:30:04.520 --> 0:30:07.160 And I started waking up at four and just getting 0:30:07.160 --> 0:30:09.960 shit done. I was like, I, it's you know, I 0:30:10.000 --> 0:30:12.160 believe in the rest over the break, but I also 0:30:12.280 --> 0:30:14.880 really believe in this book too, And I'm like, and 0:30:14.920 --> 0:30:17.520 then I started to look forward to that time. And 0:30:17.560 --> 0:30:20.400 then one of the things that I have been thinking 0:30:20.400 --> 0:30:22.800 about doing for many years in a row is doing 0:30:22.840 --> 0:30:27.120 like some sort of challenge in January for my community, 0:30:27.160 --> 0:30:32.000 for BA FAM and actually creating like a structured, like 0:30:32.160 --> 0:30:36.840 contained within like a certain number of days, action based 0:30:37.160 --> 0:30:40.800 challenge where you're gonna be and it's all about execution, 0:30:41.040 --> 0:30:43.440 Like here's our goal. Each day, We're gonna have this 0:30:43.480 --> 0:30:45.320 little lesson. I'm doing this so that it's called the 0:30:45.360 --> 0:30:49.400 Career Reboot Challenge, And to even get the challenge off 0:30:49.440 --> 0:30:52.680 the ground. Executing the challenge, I had to really put 0:30:52.720 --> 0:30:54.960 my mindset. I was like, put the shit down. It 0:30:54.960 --> 0:30:58.360 doesn't have to be perfect, but like build it, build it, 0:30:58.400 --> 0:31:01.040 and get it out because you know that your community 0:31:01.120 --> 0:31:03.400 needs this and wants this, and you're gonna have to 0:31:03.680 --> 0:31:06.520 say no to a lot of stuff. And getting into 0:31:06.560 --> 0:31:11.080 that zone is I think one of the one of 0:31:11.120 --> 0:31:15.400 the biggest reasons why people are entrepreneurs and actually like 0:31:15.800 --> 0:31:17.880 execute what they say they're going to execute and like 0:31:18.480 --> 0:31:20.960 why and hey. For a couple of years now in 0:31:20.960 --> 0:31:22.320 a row, I've been like, oh, I wish I would 0:31:22.360 --> 0:31:23.920 have done, but this is a year I was like, 0:31:23.960 --> 0:31:27.200 you know what, remove the distractions, put a timer on, 0:31:27.480 --> 0:31:31.280 get an accountability buddy. Shout out to Nikayla from side 0:31:31.320 --> 0:31:34.719 puszle Pro. We've been like supporting each other, texting like 0:31:35.080 --> 0:31:36.959 and I know I wouldn't have done as much as 0:31:37.000 --> 0:31:40.320 I've have gotten done had I not had Nikaela to 0:31:40.400 --> 0:31:44.200 like check in with, cheer me on, you know, talk 0:31:44.240 --> 0:31:45.920 me down when I started to doubt myself. 0:31:46.520 --> 0:31:48.080 I love that I love that, Nat. 0:31:48.120 --> 0:31:51.600 See, that's what I struggle with. I'm always like, well, 0:31:51.920 --> 0:31:53.000 I don't know if I'm gonna be able to do 0:31:53.000 --> 0:31:54.440 this the way I want it to be done, or 0:31:54.480 --> 0:31:56.960 oh it could be better. I think we could be 0:31:57.000 --> 0:31:59.720 all worst critics. And I'm a horrible critic for myself, 0:31:59.720 --> 0:32:01.840 and that's my struggle. But I need to hear that 0:32:01.880 --> 0:32:06.880 because yeah, you're really self critical. Oh it's ridiculous, it's 0:32:06.880 --> 0:32:09.320 pretty bad. Again, I'm going to vote for therapy, get 0:32:09.320 --> 0:32:10.360 in there and work on that stuff. 0:32:10.360 --> 0:32:12.440 But yeah, when it comes to your business, do you 0:32:12.440 --> 0:32:15.240 find yourself like, what do you what do you like? 0:32:15.360 --> 0:32:16.560 What do you picking on yourself for? 0:32:17.160 --> 0:32:20.560 Oh? It's always like for me, I have too high 0:32:20.680 --> 0:32:22.920 standards for some reason of what I think what I 0:32:22.960 --> 0:32:26.040 do should look like, like I'm I'm a full on 0:32:26.120 --> 0:32:28.040 production company or something like, Oh, it's got to look 0:32:28.040 --> 0:32:29.640 a certain way. It's got to be I got to 0:32:29.640 --> 0:32:31.840 go through several iterations of a script to really nail 0:32:31.880 --> 0:32:33.480 it down. Oh, this was an interesting It was more 0:32:33.480 --> 0:32:36.360 like I'm over before I even attempt to make it, 0:32:36.560 --> 0:32:39.840 I've already shot it down because it's this the amount 0:32:39.880 --> 0:32:41.080 of time I would need to get this to be 0:32:41.120 --> 0:32:43.600 what it needs to be. It's ridiculous. It's for your podcast, 0:32:43.800 --> 0:32:46.080 oh yeah, for the podcast. And when I've been wanting 0:32:46.080 --> 0:32:48.560 to do more YouTube, do more, be more consistent on 0:32:48.600 --> 0:32:51.600 social media, and I'm always like, I just like cut 0:32:51.680 --> 0:32:53.520 myself down before I even get there because I'm like, 0:32:54.040 --> 0:32:55.400 it's it's not gonna be good enough. 0:32:55.440 --> 0:32:58.240 And even tho I've been doing, critiquet you old critique it, 0:32:58.320 --> 0:33:00.640 like your critiquing is fine. Let's look, we all need 0:33:00.640 --> 0:33:02.280 to look at our work and give it a fair critique. 0:33:02.280 --> 0:33:03.760 Like all right, let me be real, like this could 0:33:03.760 --> 0:33:05.920 be a little better. But a little better is different 0:33:05.920 --> 0:33:08.040 from I need to do this here or this they're 0:33:08.080 --> 0:33:09.600 they're they're like it's too. 0:33:09.520 --> 0:33:10.120 Much, you know. 0:33:10.320 --> 0:33:12.760 And and for me, at least, I needed that that quote. 0:33:12.800 --> 0:33:15.040 If I see it every day, it lives with me. 0:33:15.080 --> 0:33:16.160 It sticks with me. 0:33:16.200 --> 0:33:18.320 It's in my mind, like you know, perfect is the 0:33:18.480 --> 0:33:20.040 enemy of done. I'm never gonna get it done. And 0:33:20.040 --> 0:33:21.640 not only that, I want to get it done. I 0:33:21.680 --> 0:33:23.960 want it to exist like I want it to exist 0:33:24.000 --> 0:33:25.600 and I want other people to experience it. 0:33:25.720 --> 0:33:27.600 So I'm gonna give that to you, Chris. That's my 0:33:27.680 --> 0:33:28.320 gift for you. 0:33:28.520 --> 0:33:30.520 Yeah, buddy, thank you. You got to put some stuff 0:33:30.520 --> 0:33:33.840 out there. What's your YouTube channels? The popcorn finance it is? 0:33:33.680 --> 0:33:36.920 It is looking because I know people's all right, that's right. 0:33:37.040 --> 0:33:39.360 I think that you have like yeah, I think that 0:33:39.400 --> 0:33:40.960 you definitely need to be creating more content. And I 0:33:41.040 --> 0:33:45.480 also feel like I I was gonna say, if you 0:33:45.600 --> 0:33:49.720 look go to anyone's like any big YouTube personality, like 0:33:49.800 --> 0:33:54.000 if you go to their first videos, they're always hilarious, terrible, 0:33:54.080 --> 0:33:55.920 and also like at the time, you may think it 0:33:55.960 --> 0:33:57.800 looks good, but like you know, you five years in 0:33:57.840 --> 0:34:01.320 the future, but I just feel like setting that regular cadence, 0:34:01.360 --> 0:34:03.800 you have to be creating some content to get out there. 0:34:04.280 --> 0:34:06.400 And one thing that helps me when it comes to 0:34:07.000 --> 0:34:12.000 overanalyzing some things is using like a chat GPT or 0:34:12.080 --> 0:34:14.520 I also have this AI tool called Jasper, which is 0:34:14.560 --> 0:34:17.840 more for like marketing stuff, and they can help me 0:34:18.520 --> 0:34:21.360 just get something on the page in terms of like 0:34:21.640 --> 0:34:25.719 if it's captions or if it's like an idea for 0:34:25.800 --> 0:34:28.400 an email or like you said, a script, Chris, Like 0:34:28.920 --> 0:34:30.960 you could put in like a blog post that you've 0:34:30.960 --> 0:34:33.840 written or an article that you've written or whatever, and 0:34:33.920 --> 0:34:36.000 then say, you know, could you help me come up 0:34:36.000 --> 0:34:38.759 with a quick script for a YouTube video based on 0:34:38.840 --> 0:34:42.560 this or in like it can help you. I don't know, 0:34:42.719 --> 0:34:44.440 really it sounds I don't want to be like we're 0:34:44.480 --> 0:34:46.160 going to, you know, fall in love with robots and 0:34:46.200 --> 0:34:48.279 all that, but it is like having kind of a 0:34:48.360 --> 0:34:50.120 pot partner there can help you, like get over that 0:34:50.239 --> 0:34:51.200 homp yep. 0:34:51.760 --> 0:34:54.080 That's true me because the hardest part is that like 0:34:54.239 --> 0:34:56.360 starting from something blank, right, Like you open up that 0:34:56.480 --> 0:34:58.759 note on your phone or doctma on your computer and 0:34:58.800 --> 0:35:00.440 you look at it and it's just completely nothing there, 0:35:00.440 --> 0:35:00.759 and you're. 0:35:00.680 --> 0:35:04.120 Like, don't you feel this was something good? Do you 0:35:04.280 --> 0:35:05.960 use it? Am? I like telling you something you already know? 0:35:06.080 --> 0:35:08.080 Or I do it from time to time, But then 0:35:08.280 --> 0:35:10.040 then I feel like I feel guilty. I'm like, no, no, no, 0:35:10.160 --> 0:35:11.920 I should have done this from scratch. But you're right, 0:35:11.960 --> 0:35:13.520 like it's like I'm not having it do the whole thing. 0:35:13.600 --> 0:35:15.600 I'm just getting some ideas, getting something to get me. 0:35:15.640 --> 0:35:17.640 Going interest, So you feel like you should do it 0:35:17.680 --> 0:35:19.719 from scratch, like if you don't suffer and you don't 0:35:19.760 --> 0:35:22.040 like really like, yes, I feel that way about my 0:35:22.120 --> 0:35:22.919 book for sure? 0:35:23.320 --> 0:35:26.600 Were no chat gpt over here for that I wish 0:35:26.680 --> 0:35:29.160 I hadt when I was when I was writing my book, 0:35:29.280 --> 0:35:31.279 there were some parts of my book where like, there's 0:35:31.280 --> 0:35:34.240 gonna be parts where naturally, obviously you're gonna get stuck. 0:35:35.160 --> 0:35:36.920 And the thing to me about it is, if you 0:35:37.040 --> 0:35:39.000 have integrity, you obviously care that. 0:35:39.280 --> 0:35:40.160 You've wrote it. 0:35:40.280 --> 0:35:42.480 But the way I like to use it is to 0:35:42.719 --> 0:35:46.160 just get ideas going. It's not to say write this 0:35:46.440 --> 0:35:48.880 for me. It's to say, I have this idea that 0:35:48.960 --> 0:35:50.840 I'm thinking, and I'm explain it to you, and then 0:35:50.880 --> 0:35:53.520 I want you to, like, you know, break it down a. 0:35:53.520 --> 0:35:55.879 Little bit more, hash it out a little bit more, 0:35:56.239 --> 0:35:56.920 and then I'll be. 0:35:57.000 --> 0:35:58.960 Like, oh, I'll read it and I'm like, oh, I 0:35:59.040 --> 0:36:00.759 guess we think about this other thing that's gonna be 0:36:00.800 --> 0:36:03.040 so good, and then I'll go back to write the 0:36:03.239 --> 0:36:06.120 certain exactly. To me, it's more so like just throwing 0:36:06.200 --> 0:36:08.319 ideas at the wall is not necessarily having the. 0:36:08.800 --> 0:36:11.000 The robot do the typing for you. And I do 0:36:11.160 --> 0:36:12.400 think that that's the problem. 0:36:12.440 --> 0:36:14.359 When people think of it, they think of it as 0:36:14.440 --> 0:36:15.319 like it's going to do it for. 0:36:15.400 --> 0:36:18.480 Me, and you're right, it's like we're not copy pa. 0:36:18.600 --> 0:36:20.440 I mean, yeah, it's like this is not a college paper, 0:36:20.719 --> 0:36:22.200 but you're trying to hit a certain number of word 0:36:22.320 --> 0:36:24.320 count and you're just trying to do whatever, like this 0:36:24.480 --> 0:36:26.160 is a project that you really care about, and sometimes 0:36:26.200 --> 0:36:27.920 you just get stuck. And so if you could just 0:36:28.000 --> 0:36:30.480 get some ideas going to, you know, get you to 0:36:30.560 --> 0:36:33.520 the next thing that that strikes inspiration. That That's kind 0:36:33.560 --> 0:36:35.399 of how I've been using it. But when I'm looking 0:36:35.440 --> 0:36:38.680 for information I'm obsessed with perplexity dot ai right now. 0:36:38.719 --> 0:36:41.240 So if I'm if I'm looking for information or research, 0:36:41.560 --> 0:36:43.520 I do not go to tagipt. I do not even 0:36:43.560 --> 0:36:46.640 go to Google anymore. I go to perplexity dot ai. 0:36:47.320 --> 0:36:47.960 I don't know. 0:36:49.120 --> 0:36:51.120 Oh it's my gift to you, Mandy Boom. Here we 0:36:51.160 --> 0:36:53.239 go to so perplexity dot ai. 0:36:53.360 --> 0:36:55.200 You can just type it into the web browser search bar, 0:36:55.400 --> 0:36:59.160 and it's instead of like pushing sponsored polls kind of 0:36:59.239 --> 0:37:02.120 like how Google Chrome does, or like how Google Results 0:37:02.200 --> 0:37:05.120 will pop up. Instead, it'll give you the source of 0:37:05.239 --> 0:37:07.560 all the information that it's pulling and immediately give you 0:37:07.800 --> 0:37:10.520 like the information. The other thing, too, is chagypt will 0:37:10.600 --> 0:37:13.800 sometimes just make shit up like hey this is this 0:37:14.000 --> 0:37:16.160 is and it's like not a real study or that's 0:37:16.239 --> 0:37:16.640 not true. 0:37:16.840 --> 0:37:18.640 And when we tried to use chat Gipt for the 0:37:18.840 --> 0:37:21.680 Q and A trivia at the Brown Ambition Live show, 0:37:21.719 --> 0:37:24.040 and it was just give me wrong answers. They were 0:37:24.120 --> 0:37:26.319 like famous black celebrities from the nineties and all kinds 0:37:26.320 --> 0:37:26.640 of stuff. 0:37:26.640 --> 0:37:28.440 It was not just it makes things up. 0:37:28.480 --> 0:37:31.400 So for me, if I want idea generation, if I 0:37:31.440 --> 0:37:34.359 want creativity kind of stuff, I'll go to chagypt like, hey, 0:37:34.480 --> 0:37:36.400 thoughts ideas like I want I want to come up 0:37:36.440 --> 0:37:37.800 with an acronym and I want it to rhyme with 0:37:37.880 --> 0:37:38.600 this and stuff like that. 0:37:38.960 --> 0:37:41.760 But if I'm looking for research for information for facts, 0:37:42.040 --> 0:37:44.520 I go I don't use for that. I use Perplexity 0:37:44.560 --> 0:37:45.160 DII for that. 0:37:47.520 --> 0:37:49.759 That is the best search engine I've used. It's like, 0:37:50.080 --> 0:37:51.640 I guess that's where I'm using the ACT because yeah, 0:37:51.640 --> 0:37:54.480 that's because Google was frustrating me as always. I'm like, 0:37:54.760 --> 0:37:56.279 unless I type redd it in my search, I'm not 0:37:56.280 --> 0:37:57.600 getting a good answer most of the time. 0:37:58.480 --> 0:37:59.279 That's wild to me. 0:37:59.480 --> 0:38:01.160 I feel like one thing too, is that we don't 0:38:01.280 --> 0:38:03.880 notice that we're at the like inflection point where like 0:38:03.960 --> 0:38:06.280 at the brink of something major it's about to shift 0:38:06.400 --> 0:38:09.239 of like how much more powerful AI is about to get? 0:38:09.480 --> 0:38:11.560 Like we think chagbt is so impressive and. 0:38:11.800 --> 0:38:12.880 Haven't we been there forever? 0:38:13.040 --> 0:38:17.680 Now wait wait till it learns to speed run faster 0:38:17.760 --> 0:38:19.919 than the cheetah. Like this thing is about to take off, 0:38:20.080 --> 0:38:22.040 and I just I feel like we don't think people 0:38:22.080 --> 0:38:24.400 are not ready for it. So I've been trying to 0:38:24.480 --> 0:38:26.319 kind of beat tent Toos down, like try to get 0:38:26.360 --> 0:38:28.520 in there and find out what are all the AI tools? 0:38:28.560 --> 0:38:31.120 You know, Like when I'm doing video editing stuff, I 0:38:31.280 --> 0:38:33.960 use descript, which allows you to just like erase a 0:38:34.040 --> 0:38:35.839 sentence and it will do the edit in the video 0:38:35.920 --> 0:38:37.319 for you so you don't have to necessarily edit. 0:38:37.480 --> 0:38:39.800 It also puts captions on videos. It's really great. And 0:38:39.880 --> 0:38:42.840 I've also been playing around with in you. I mean, 0:38:42.880 --> 0:38:43.759 you have to be like in a. 0:38:43.760 --> 0:38:46.319 Discord chat for this, but there's one that you can 0:38:46.360 --> 0:38:49.600 get images And of course I'm blanking on the name 0:38:49.640 --> 0:38:52.600 of it now is it mid Journey, mad Journey. 0:38:54.040 --> 0:38:54.480 Back up here? 0:38:54.920 --> 0:38:58.000 Such techies? No? I love that Also because I like 0:38:58.080 --> 0:39:00.239 to be I like to make money and I'm not 0:39:00.320 --> 0:39:02.680 traditionally employed, none of us is none of us. 0:39:02.719 --> 0:39:03.479 I like to make money. 0:39:03.520 --> 0:39:05.000 Yeah, I really do. One thing you should know about 0:39:05.040 --> 0:39:05.880 me Mandy, money is. 0:39:06.000 --> 0:39:06.400 I like it. 0:39:07.239 --> 0:39:09.239 I'm not always great at it, but I do enjoy it. 0:39:09.920 --> 0:39:11.920 And by the way, Chris, I've made over a thousand 0:39:11.960 --> 0:39:14.600 dollars since yesterday because I just did a thing and 0:39:14.640 --> 0:39:17.359 put the challenge up and started to offer it too, 0:39:17.680 --> 0:39:20.040 so you know what, and I'm perfecting it as I go. 0:39:20.680 --> 0:39:24.200 And anyway, I'm just saying, so make your little YouTube video, sir. 0:39:25.440 --> 0:39:28.520 And I wasn't gonna charge. Nakaela told me to charge. 0:39:28.840 --> 0:39:31.520 She was like, good, I wasn't gonna and I was like, wait, 0:39:31.600 --> 0:39:32.960 why am I not? It's so funny? 0:39:33.040 --> 0:39:33.600 Yeah, why not? 0:39:34.040 --> 0:39:35.200 But that's you know, Mandy. 0:39:35.239 --> 0:39:37.879 When people talk about, oh, build the thing and put 0:39:37.920 --> 0:39:41.200 it out there, yeah, it reminds me of the conversation 0:39:41.280 --> 0:39:44.040 around integrity and plagiarism, right, like, we feel like we 0:39:44.120 --> 0:39:46.560 can't do this thing. As I started to like connect 0:39:46.600 --> 0:39:49.000 with more people at FINCN and other creative conferences and like, 0:39:49.120 --> 0:39:50.120 see what other people are doing. 0:39:50.520 --> 0:39:51.440 They all doing this. 0:39:51.600 --> 0:39:54.960 They are all selling something that doesn't exist yet and 0:39:55.040 --> 0:39:57.680 then they're building it and like but at least they're 0:39:57.719 --> 0:39:58.359 putting it out. 0:39:58.280 --> 0:39:59.640 There to see if there's interest. 0:40:00.000 --> 0:40:02.560 And an example of this was back when Tesla was 0:40:02.640 --> 0:40:05.520 like putting cars up on the website and telling people 0:40:05.600 --> 0:40:07.360 to pre buy it and pre under them when the. 0:40:07.400 --> 0:40:09.680 Cars didn't exist, and you give them one thousand dollars 0:40:09.760 --> 0:40:11.520 for a spot in line, right. 0:40:11.800 --> 0:40:13.879 And it's like, first of all, the thing doesn't even 0:40:13.920 --> 0:40:16.200 exist yet, and people were paying twenty thirty thousand dollars 0:40:16.280 --> 0:40:18.080 to hold a spot to get access to a vehicle 0:40:18.160 --> 0:40:18.719 that was not in. 0:40:18.800 --> 0:40:21.160 Existence yet, And so why don't we feel that we 0:40:21.320 --> 0:40:22.200 can do these things? 0:40:22.320 --> 0:40:23.480 Like you know, so to me, I feel like we 0:40:23.560 --> 0:40:25.520 hold ourselves back by saying like, oh no, but I'm 0:40:25.600 --> 0:40:27.160 too but I have too much integrity and I have 0:40:27.160 --> 0:40:28.879 too much this and that. It's like, no, as long 0:40:28.920 --> 0:40:31.000 as the product is coming and you do a really 0:40:31.080 --> 0:40:33.960 bang up damn job and you deliver and you know, 0:40:34.080 --> 0:40:36.480 you work your ass off, Like, I don't see why 0:40:36.560 --> 0:40:38.640 we kind of keep ourselves in a box of like, oh, 0:40:38.719 --> 0:40:42.279 doing everything the cookie cutter, perfect traditional way. So yeah, 0:40:42.400 --> 0:40:44.200 I'm trying to step outside the box in twenty twenty 0:40:44.239 --> 0:40:45.040 five a little bit more. 0:40:44.960 --> 0:40:47.759 In that way. Well in the AI conversation, cause I 0:40:47.800 --> 0:40:51.360 want to get back to that because workers are beginning 0:40:51.400 --> 0:40:53.279 to We've seen this in Hollywood we've seen this like 0:40:53.400 --> 0:40:57.359 doc worker strike that's coming up. There are like people 0:40:57.440 --> 0:40:59.799 are worried about AI taking their jobs, and I think 0:41:00.120 --> 0:41:02.080 it's completely valid. I think you should have been worried 0:41:02.200 --> 0:41:04.359 a year or two ago, and now you for sure 0:41:04.440 --> 0:41:07.720 should be worried. And I as a career coach myself, 0:41:07.760 --> 0:41:10.960 I'm trying to encourage like women, find out who's coming 0:41:11.000 --> 0:41:12.680 for your job, find out what bot wants to do 0:41:12.760 --> 0:41:15.840 what you're doing, and get really good at it. Because 0:41:15.960 --> 0:41:18.040 the thing that I'm sure about is like companies are 0:41:18.080 --> 0:41:20.320 going to need people who know how to control the bots, 0:41:20.560 --> 0:41:22.480 you know what I mean. So if you can learn 0:41:22.560 --> 0:41:25.560 it and like go and not get it's the same 0:41:25.600 --> 0:41:27.080 I kind of felt back in when I was studying 0:41:27.160 --> 0:41:30.920 journalism during you know, the Great Recession and the like, 0:41:31.040 --> 0:41:33.200 social media was becoming a thing, and a lot of 0:41:33.320 --> 0:41:35.440 my older colleagues would be like, I'm not getting a Twitter, 0:41:35.960 --> 0:41:39.279 you know, and to their own detriment, right because now 0:41:39.400 --> 0:41:41.960 social media, like or eventually it became a whole job. 0:41:42.120 --> 0:41:43.920 And I'm sure now the bots are coming for social 0:41:43.960 --> 0:41:47.440 media people. But how do you guys feel about like 0:41:47.719 --> 0:41:50.800 leveraging AI? Excuse me in your career and like the 0:41:50.840 --> 0:41:54.040 perspective from workers who are maybe feeling like, oh damn, 0:41:55.200 --> 0:41:55.880 what's happening. 0:41:56.120 --> 0:41:56.719 I agree with you. 0:41:56.960 --> 0:42:01.319 I feel like you you can't fear that it's going 0:42:01.400 --> 0:42:03.400 to come for your job and that you're going to 0:42:03.480 --> 0:42:07.680 lose everything and let that like trap you almost like 0:42:07.719 --> 0:42:09.839 you're gonna You're just gonna be trapped, right, and it's 0:42:09.880 --> 0:42:13.480 going to fester, and it's negative. And the only positive 0:42:13.520 --> 0:42:15.839 spin on this is, well, I guess we could argue 0:42:15.840 --> 0:42:18.080 about universal basic income, but we're not going there. We're 0:42:18.120 --> 0:42:20.359 going to stick to the way you can positively spin 0:42:20.440 --> 0:42:24.120 it is to say, let me learn what you know 0:42:24.360 --> 0:42:27.279 what prompting looks like, or how to prompt correctly, or 0:42:27.719 --> 0:42:29.279 you know how to use the right tools or what 0:42:29.480 --> 0:42:32.719 are the top premier tools for AI in this specific 0:42:32.880 --> 0:42:35.040 job that I'm doing, Because then you become the go 0:42:35.160 --> 0:42:37.600 to person for your company, and then when they're doing layoffs, 0:42:37.680 --> 0:42:39.040 you're not the one that's going to get laid off. 0:42:39.200 --> 0:42:40.799 And I know it sucks to think like that because 0:42:40.800 --> 0:42:42.200 then it's like, oh, but then what about all my 0:42:42.280 --> 0:42:44.520 friends at work who get who they're losing their jobs 0:42:45.160 --> 0:42:47.160 at the end of the day, Like this is a 0:42:47.320 --> 0:42:51.799 capitalistic country and the people. It's like we are all 0:42:51.840 --> 0:42:53.719 compromised under capitalism, and at the end of the day, 0:42:53.800 --> 0:42:55.640 the companies are going to do what they got to 0:42:55.680 --> 0:42:57.960 do for their bottom line. And so if you want 0:42:58.000 --> 0:43:00.080 to continue to have value and know your value and 0:43:00.160 --> 0:43:03.160 create your you know, keep creating more value from yourself 0:43:03.200 --> 0:43:05.319 as a as an employee and as a worker, as 0:43:05.320 --> 0:43:08.400 an entrepreneur, you sort of have to embrace AI and 0:43:08.480 --> 0:43:11.120 start to figure out what are the leading tools, leading 0:43:11.360 --> 0:43:14.200 applications and learn the basics because at the end of 0:43:14.239 --> 0:43:17.279 the day, like resisting is exactly what you said. It's 0:43:17.360 --> 0:43:19.400 just like social media. I'm not going to get on there, 0:43:19.480 --> 0:43:20.960 And now you're like, dang, I should have got on 0:43:21.080 --> 0:43:22.080 there back ten years ago. 0:43:22.400 --> 0:43:23.279 Yeah, you should have. 0:43:23.600 --> 0:43:25.080 I think the people who know how to do the 0:43:25.200 --> 0:43:28.040 work already, like Chris, you have so much knowledge and 0:43:28.400 --> 0:43:30.399 we have knowledge, we have so much value to add 0:43:30.480 --> 0:43:33.440 and when we leverage these tools, we're only going to 0:43:33.480 --> 0:43:35.200 get better at what we do. I really do, and 0:43:35.280 --> 0:43:38.279 it's just going to help us scale and grow. And 0:43:38.400 --> 0:43:40.719 I think the people who are who don't have the 0:43:40.840 --> 0:43:43.800 value and they're expecting the bots to create the knowledge 0:43:43.880 --> 0:43:47.640 base and the experience and the nuance like good luck. 0:43:48.000 --> 0:43:50.400 It's like TIF always said, like sauce sold separately. We 0:43:50.480 --> 0:43:52.320 have our own sauce. You have your own you know, 0:43:52.480 --> 0:43:54.800 your own sparkle, your own expertise, and I think you 0:43:54.920 --> 0:43:56.440 have to like have a lot of I'm talking to 0:43:56.480 --> 0:43:58.120 you Christ because I need you to like build your 0:43:58.320 --> 0:44:01.080 confidence up. But yeah, like stand ten TOAs down in 0:44:01.120 --> 0:44:03.000 that and like, yeah, I have this knowledge base and 0:44:03.120 --> 0:44:04.920 I know how to work with these bots because I 0:44:05.000 --> 0:44:06.400 know things better than they do. But they're going to 0:44:06.440 --> 0:44:08.160 help me come up with like a little outline real quick. 0:44:08.160 --> 0:44:12.640 And that's fine. It's fine, But sixty one percent of 0:44:12.719 --> 0:44:15.200 large companies this year plan to use AI to automate 0:44:15.280 --> 0:44:18.319 tasks that were once done by humans. What's the fed 0:44:18.400 --> 0:44:21.200 up to, Chris, just real quick? 0:44:21.320 --> 0:44:26.120 For twenty The brief is explanation would be, so, you know, 0:44:26.160 --> 0:44:29.239 they've had a few meaties recently. They're raising interest rates, right, 0:44:29.320 --> 0:44:30.440 so they did another quarter point. 0:44:30.760 --> 0:44:33.200 Your boys get more nasily when you started talking about. 0:44:32.960 --> 0:44:36.200 It, so technically push my classifle. So actually, when we're 0:44:36.200 --> 0:44:39.000 looking at what the fans are doing now, so basically 0:44:39.120 --> 0:44:41.240 they're kind of taking things slow now, right, Like the economy, 0:44:41.640 --> 0:44:43.760 it's this weird thing right, because I think as regular 0:44:43.840 --> 0:44:46.600 people it didn't feel like the economy is great. But 0:44:47.160 --> 0:44:50.719 for corporations and the money they're making, everything's going great. 0:44:50.760 --> 0:44:53.120 They're doing fine. Everything's looking looking as it should. 0:44:53.160 --> 0:44:55.680 Thanks, you're still ten bucks of curtain, right, you know. 0:44:55.760 --> 0:44:58.319 It's just about disorder to makes last time I got 0:44:58.440 --> 0:45:00.879 to go get Yeah, it's expensive, and so it looks 0:45:00.920 --> 0:45:03.319 like things are kind of settling, But inflation isn't kind 0:45:03.360 --> 0:45:05.520 of going down at this pace that it kind of 0:45:05.640 --> 0:45:07.480 was before it was starting to settle down, and it's 0:45:07.520 --> 0:45:09.479 looking like it's kind of like at a holding point. 0:45:09.760 --> 0:45:11.960 So we're what it's looking like in twenty twenty five. 0:45:12.040 --> 0:45:14.160 The Federal Reserve is probably going to still lower interest 0:45:14.200 --> 0:45:16.040 rates a little bit. They're looking at maybe like a 0:45:16.080 --> 0:45:18.839 half a percent over the whole year is what might 0:45:18.920 --> 0:45:21.120 be happening. But they're going to do it very slowly 0:45:21.160 --> 0:45:23.480 and deliberately. But it all depends. 0:45:23.520 --> 0:45:23.640 You know. 0:45:23.800 --> 0:45:25.759 We got some changes coming to the White House. We 0:45:25.880 --> 0:45:27.640 got a lot of weird stuff going on. 0:45:27.840 --> 0:45:31.760 So right now I'm disassociated from January twentieth. 0:45:32.280 --> 0:45:33.719 I don't think about it the same way. 0:45:33.800 --> 0:45:36.279 I don't. I'm trying to think about it being January sixth, 0:45:36.520 --> 0:45:40.440 sixth today, just disassociate for my own mental health. But 0:45:40.600 --> 0:45:44.239 you're right, so just looking I'm looking at mortgage rates 0:45:44.280 --> 0:45:47.400 this year, I don't think I feel like the vibe 0:45:47.480 --> 0:45:50.160 is we're not going back to like those two percent 0:45:50.280 --> 0:45:53.279 rates like me like I have from the pandom. Yeah, 0:45:53.520 --> 0:45:54.480 but like I need to get out. 0:45:56.080 --> 0:45:58.000 No, no, no, you stay in that tiny house, girl, 0:45:58.000 --> 0:46:00.320 because you ain't gonna get that two percent for a 0:46:00.360 --> 0:46:02.520 little while longer. Because at the end of the day, 0:46:02.640 --> 0:46:04.640 like I was talking to this woman who lives in California, 0:46:04.719 --> 0:46:07.440 so slightly different real estate market out there, but the 0:46:07.680 --> 0:46:10.640 one single reason why she was able to retire early 0:46:10.840 --> 0:46:13.560 is because she never upgraded her home, no matter how 0:46:13.640 --> 0:46:14.600 much pressure she felt. 0:46:14.880 --> 0:46:16.440 Now, yeah, you're so right. 0:46:16.560 --> 0:46:17.839 You only had one kid. 0:46:18.040 --> 0:46:20.040 She only had one kid, and a lot of her 0:46:20.080 --> 0:46:24.399 friends had multiple A lot of people had multiple kids, 0:46:24.440 --> 0:46:26.880 and that's a valid, legit thing. But we had a 0:46:26.920 --> 0:46:28.440 conversation on the phone and she was like, girl, let 0:46:28.440 --> 0:46:30.239 me tell you the only reason right now that I'm 0:46:30.280 --> 0:46:32.920 not working and I'm okay is because we didn't fall 0:46:33.000 --> 0:46:34.920 to that pressure of like increase. We could always do 0:46:35.000 --> 0:46:36.839 it later, but the more you push it off, the better. 0:46:37.520 --> 0:46:39.960 And it's a huge piece of your well building ability. 0:46:40.000 --> 0:46:43.200 You're so right. We get so much pressure from friends 0:46:43.280 --> 0:46:46.839 from my family, they complain. I'm just like, when did 0:46:46.880 --> 0:46:48.880 we stop being grateful for this home that we have? 0:46:49.239 --> 0:46:52.400 Like when you're right on, Ellie. And it's that mindset 0:46:52.480 --> 0:46:55.000 that is why my finances have been you know, like 0:46:55.640 --> 0:46:58.440 down to them. And it's like I lost track of 0:46:58.560 --> 0:47:01.239 I was so good about keeping lifestyle inflation at Bay 0:47:01.880 --> 0:47:04.040 when I was we got two cars. Now I said 0:47:04.040 --> 0:47:05.640 I would never have a two car household and one 0:47:05.680 --> 0:47:07.759 of them is not paid off, and I don't like it. 0:47:08.680 --> 0:47:09.839 I don't like who I am. 0:47:10.360 --> 0:47:11.959 And now you're talking about getting a bigger house. 0:47:12.040 --> 0:47:18.120 Oh I know with what money? Yes, it's so true, 0:47:18.200 --> 0:47:21.479 and I wanted to have more kids. Make it make sense, girl, 0:47:22.160 --> 0:47:23.200 that a ticket. 0:47:23.239 --> 0:47:25.360 One of my emotional stuff is the emotional stuff, and 0:47:25.440 --> 0:47:28.120 it's for me. I constantly try to push myself back 0:47:28.160 --> 0:47:31.680 to like rational decision making. Don't let is it the 0:47:31.719 --> 0:47:33.719 emotions trying to make this decision or is it going 0:47:33.800 --> 0:47:36.719 to be my rational brain making the decision? Because of course, 0:47:36.840 --> 0:47:38.640 like in my mind, I could go do this, this 0:47:38.719 --> 0:47:40.279 and that. It's like, but why would I do that? 0:47:40.440 --> 0:47:43.080 I'm literally setting myself back financially just a stunt on 0:47:43.200 --> 0:47:44.719 a or to be able to make my family happy 0:47:44.719 --> 0:47:46.000 instead of making myself happy. 0:47:46.040 --> 0:47:48.320 And so just you know, you know what you're what 0:47:48.440 --> 0:47:50.560 you're supposed to be doing, and what you have you know, 0:47:50.640 --> 0:47:51.200 and me to do? 0:47:51.400 --> 0:47:55.160 Hear that? Yeah, And everybody, family, friends, they love spending 0:47:55.239 --> 0:47:57.120 your money for you. They love telling you what you 0:47:57.160 --> 0:47:58.879 should be doing. It's going to cost you more money. 0:47:58.920 --> 0:48:00.279 And with no, they're not going to come help you 0:48:00.320 --> 0:48:02.960 out after you've spent that money. They're just like, oh, well, 0:48:03.480 --> 0:48:06.439 you know, just makes does someone else save a little 0:48:06.440 --> 0:48:08.000 bit better? It's spend less money? Like no, no, no, 0:48:08.080 --> 0:48:09.720 I was in a better spite before I took your advice? 0:48:09.800 --> 0:48:11.919 Why what did you do this to me? Part? 0:48:12.960 --> 0:48:15.880 And they don't. And also taking advice from people or 0:48:15.960 --> 0:48:19.000 like looking to other people to see what they're doing. 0:48:19.239 --> 0:48:21.239 I was even talking to an entrepreneur today who was 0:48:21.280 --> 0:48:23.000 saying how a friend told her she's making all her 0:48:23.040 --> 0:48:25.200 money from affiliate revenue, and so she wants to like 0:48:25.280 --> 0:48:28.319 pivot to affiliate and I'm like, well, maybe that's true, 0:48:28.400 --> 0:48:32.200 but also that's pretty financially risky because all of her 0:48:32.200 --> 0:48:35.960 eggs in that one basket very volatile. Yes, you're right, 0:48:36.040 --> 0:48:38.440 and getting a bigger house like it would be happier 0:48:38.520 --> 0:48:42.560 in some ways, but it also creates more pressure financially. 0:48:42.600 --> 0:48:44.439 Then you got to keep it up. Then it's even 0:48:44.480 --> 0:48:47.520 more pressure on me as a business owner to make 0:48:47.600 --> 0:48:50.000 the money to keep it up. And yeah, thank you, 0:48:50.120 --> 0:48:50.520 jan Ellie. 0:48:50.560 --> 0:48:52.640 I needed that little I'm just giving gifts all left 0:48:52.680 --> 0:48:53.640 and right right. 0:48:54.200 --> 0:48:55.360 Also, you are one, so. 0:48:57.120 --> 0:48:57.480 Thank you. 0:48:58.080 --> 0:49:03.080 You know, love is real. Okay, let's let's do brown 0:49:03.160 --> 0:49:06.120 boost brown break, So just to remind y'all be a fan. 0:49:06.360 --> 0:49:09.480 Brown boost is something that I kind of ask that 0:49:09.520 --> 0:49:11.759 we reflect on, something that we really are excited about. 0:49:11.800 --> 0:49:14.200 It could be a new AI tool that's saving our lives, 0:49:14.760 --> 0:49:16.600 could be the fact that we crossed over the million 0:49:16.680 --> 0:49:18.680 dollar net worth mark even though we're going to keep 0:49:18.719 --> 0:49:21.680 it private you don't have to say it here. Or 0:49:21.760 --> 0:49:23.920 a brown break, which is like if you're feeling like 0:49:24.239 --> 0:49:25.840 I'm so sick of this, it is something that is 0:49:25.920 --> 0:49:27.320 driving me nuts, something you think we need to know 0:49:27.400 --> 0:49:32.160 about to be aware of. Like I'm going to open 0:49:32.239 --> 0:49:35.120 the floor to you guys if you have a booster 0:49:35.200 --> 0:49:37.560 or a break, and if not, I'll make myself the 0:49:37.640 --> 0:49:45.960 guinea pig. I'll start so we don't be now on it. 0:49:46.480 --> 0:49:48.759 Okay, now this is not sponsored or anyway. I do 0:49:48.880 --> 0:49:50.560 not get paid by these people, at least not yet. 0:49:50.680 --> 0:49:51.279 Maybe one day. 0:49:51.560 --> 0:49:54.560 But we don't own a home mit Jamil and I'm 0:49:54.560 --> 0:49:56.279 my partner. We've been together for a very long time 0:49:56.360 --> 0:49:58.080 and we're very happy long term relationship. 0:49:58.120 --> 0:49:58.600 We're healthy. 0:49:58.719 --> 0:50:01.440 We just don't necessarily we see ourselves as homeowners in 0:50:01.560 --> 0:50:05.160 that lifestyle. We really love like apartment complex living where 0:50:05.239 --> 0:50:07.440 we can go outside by the shared amenities and see 0:50:07.480 --> 0:50:09.160 other people and be like, hey, I what's up, and 0:50:09.200 --> 0:50:11.160 like there's always people out and around. So we like 0:50:11.280 --> 0:50:14.120 like the condo apartment type of lifestyle. But we also 0:50:14.160 --> 0:50:16.479 don't want to own a condo apartment in Miami because 0:50:16.680 --> 0:50:18.759 jos are insane. So we're just like, you know what, 0:50:19.000 --> 0:50:23.120 home ownership's not for right now. And but the money, 0:50:23.280 --> 0:50:25.840 like it's so annoying that we spend thousands of dollars 0:50:25.840 --> 0:50:27.440 every month on rent and it's just like it just 0:50:27.520 --> 0:50:30.000 goes into thin air to this mandlord right or to 0:50:30.040 --> 0:50:33.160 this development company. So we got the Built Rewards credit 0:50:33.239 --> 0:50:35.799 card a little bit before the end of the year 0:50:35.920 --> 0:50:38.200 last year, and we've been putting our rent on that. 0:50:38.400 --> 0:50:40.880 And let me tell you, if you pay rent and 0:50:40.960 --> 0:50:43.879 you're not getting miles or rewards points or some type 0:50:43.880 --> 0:50:46.800 of credit for your point for paying your rent. 0:50:47.080 --> 0:50:49.400 Look into some of these. I have the built one. 0:50:49.440 --> 0:50:53.360 There's others, but built like it's l LT Yeah, built 0:50:53.360 --> 0:50:54.239 rewards credit card. 0:50:54.320 --> 0:50:55.680 We use it to pay the rent. 0:50:56.320 --> 0:50:58.520 And you know, the big concern I had was a 0:50:58.560 --> 0:51:00.520 lot of times the companies will ard you like two 0:51:00.600 --> 0:51:02.520 or three percent fee for using a credit card to 0:51:02.560 --> 0:51:02.880 pay one. 0:51:03.480 --> 0:51:05.000 They have figured out a hack for that. 0:51:05.440 --> 0:51:07.360 So when you when I log into the credit card portal, 0:51:07.480 --> 0:51:10.399 it actually shows a bank account digits, so I copy 0:51:10.480 --> 0:51:12.640 them from their enter it into my rent payment portal 0:51:12.680 --> 0:51:15.879 and it acts like ACCH account clearinghouse, So it's acts 0:51:16.000 --> 0:51:17.680 like it's transferring the money to an account, but it 0:51:17.760 --> 0:51:18.799 charges it to the credit card. 0:51:19.200 --> 0:51:22.280 So whatever whatever backdoor. 0:51:21.960 --> 0:51:24.760 Magic they're doing essentially acts as a credit card transaction, 0:51:24.920 --> 0:51:27.480 but they're using I think they have their they're partnering 0:51:27.520 --> 0:51:29.240 with Wells Fargo Bank to do this, but they basically 0:51:29.400 --> 0:51:31.160 use the bank as a way to clear the money 0:51:31.280 --> 0:51:33.120 and then it counts as a credit card charge. So 0:51:33.480 --> 0:51:36.800 we've already gotten too, like silver status in their little 0:51:37.200 --> 0:51:39.800 levels of status thing, just from paying like four or 0:51:39.840 --> 0:51:41.960 five months of rent with that card instead of our 0:51:42.000 --> 0:51:44.200 bank account, which we when we pay with our bank account, 0:51:44.200 --> 0:51:45.120 we don't get any points. 0:51:45.200 --> 0:51:47.319 So we're going to take a free trip this year 0:51:47.920 --> 0:51:50.440 because of the points on this card. So that is 0:51:50.520 --> 0:51:51.680 my little brown boost. 0:51:51.880 --> 0:51:53.240 Why is this making me nervous? 0:51:53.320 --> 0:51:53.480 Though? 0:51:53.680 --> 0:51:55.160 What's the down? What's the pitfall? 0:51:55.719 --> 0:51:58.360 Now fall? The piffole is if you don't pay it 0:51:58.600 --> 0:52:00.640 on time. Now you're paying all the trust fees. 0:52:00.480 --> 0:52:01.960 On the credit card. Okay, so it is like your 0:52:02.000 --> 0:52:03.759 credit card with fees. Okay, okay, yeah, it's. 0:52:03.640 --> 0:52:05.640 The same exact Arrangement's just that you're able to use 0:52:05.680 --> 0:52:08.520 the card if you don't pay any interest fees and 0:52:08.600 --> 0:52:10.680 you pay on time all the time. It just it 0:52:10.880 --> 0:52:12.520 it's the same exact thing as if you pay your 0:52:12.520 --> 0:52:14.360 rent from your bank account, but you just got to 0:52:14.360 --> 0:52:15.040 be on top of it. 0:52:15.560 --> 0:52:17.600 So you know, please don't go in a credit card 0:52:17.600 --> 0:52:21.440 debt for your rent because you're you not do that. 0:52:21.640 --> 0:52:22.200 Live somewhere. 0:52:22.440 --> 0:52:25.120 Do not do that, because then not only is your 0:52:25.200 --> 0:52:28.320 rent paid so they're good, but now your credit is horrible. 0:52:28.360 --> 0:52:30.040 So if you ever choose to go to another apartment, 0:52:30.040 --> 0:52:31.960 you're not going to be able to go. So definitely 0:52:32.120 --> 0:52:33.879 only do this if you're the type of person who 0:52:34.000 --> 0:52:36.000 always pays it on time every month. But if you're 0:52:36.040 --> 0:52:38.400 paying your rent on time every month out your bank account, 0:52:38.800 --> 0:52:40.840 then all you're doing is putting one extra step in 0:52:40.880 --> 0:52:43.520 the middle and paying the card instead of the rent 0:52:43.920 --> 0:52:45.560 and having the rent you paid through the card. So 0:52:45.640 --> 0:52:47.640 it's just one extra step and you get rewards points 0:52:47.680 --> 0:52:49.520 for it. So in my mind, it makes a lot 0:52:49.560 --> 0:52:51.520 of sense. But if you can't trust yourself and you're 0:52:51.560 --> 0:52:53.160 going to go spend that rent wheney instead of paying 0:52:53.200 --> 0:52:54.640 the card, then stay away. 0:52:55.080 --> 0:52:59.080 Yeah, okay, fair, Yeah that was good. I've heard. I've 0:52:59.080 --> 0:53:00.560 heard a lot of good things about that that card. 0:53:00.680 --> 0:53:02.440 I don't know why I never even tried it, but 0:53:02.800 --> 0:53:04.359 I think the only thing I heard is that they 0:53:04.400 --> 0:53:07.520 are bleeding money because obviously they're giving a lot of 0:53:07.560 --> 0:53:10.239 points and yeah, making any money back from you on it. 0:53:10.360 --> 0:53:11.920 But hey, while they're giving all you. 0:53:14.440 --> 0:53:15.800 Heard it from here, you heard it from me. 0:53:15.880 --> 0:53:18.160 Now you did that have something that's so good for consumers? 0:53:18.200 --> 0:53:20.879 It's like you're going to go out of business. Capitalism. 0:53:21.120 --> 0:53:22.839 I think they're probably going to start lowering those points 0:53:22.880 --> 0:53:24.839 and rewards things and maybe making it like a new 0:53:24.920 --> 0:53:27.440 customer offers to show that the you know, you don't 0:53:27.480 --> 0:53:29.320 get grind fathered into though, but the point is, you 0:53:29.400 --> 0:53:31.000 know earlier you get in and benefit from it. 0:53:31.080 --> 0:53:33.160 It's just like any other rewards card. Try and get 0:53:33.160 --> 0:53:33.920 the benefits you can. 0:53:34.520 --> 0:53:37.640 M M all right, Chris, what's up? What you got? 0:53:38.120 --> 0:53:41.080 Okay? So for me, my boost is I'm moving to 0:53:41.120 --> 0:53:47.080 San Francisco. And Ellie was talking about this almost moving there. Yeah, 0:53:47.120 --> 0:53:49.520 I've been thinking about this for a couple of years now. 0:53:50.040 --> 0:53:51.719 I've always loved the city I live in. I live 0:53:51.760 --> 0:53:53.200 in the LA area, so I'm like just a little 0:53:53.239 --> 0:53:55.399 bit outside of LA. I don't live in La proper 0:53:55.440 --> 0:53:56.880 because I'm not trying to be in all that traffic, 0:53:57.200 --> 0:54:00.840 but all that money, paying all that raving money. I 0:54:00.880 --> 0:54:02.440 don't need all that. So i decided to move to 0:54:02.520 --> 0:54:05.520 even more expensive city. But I've been thinking about it 0:54:05.560 --> 0:54:08.120 for a while because La it's cars. 0:54:08.160 --> 0:54:09.759 Two years is too long to think about. I'm glad 0:54:09.760 --> 0:54:10.600 you're finally just doing it. 0:54:10.960 --> 0:54:14.560 I know that's a long time over things. 0:54:14.760 --> 0:54:15.239 That's what I do. 0:54:15.320 --> 0:54:18.560 I'm going to say, thinking myselthing for years and then 0:54:18.960 --> 0:54:20.600 and I might not even do it after thinking about it. 0:54:21.560 --> 0:54:23.279 I got to make a decision this month, like I 0:54:23.320 --> 0:54:25.080 can be playing with those year long decisions. 0:54:25.640 --> 0:54:28.279 So long time I was mulling that thing over, I 0:54:28.320 --> 0:54:29.880 would go up. I would go got friends up there, 0:54:29.880 --> 0:54:31.920 so I would go every you know, I'll probably go three, 0:54:32.000 --> 0:54:33.560 four or five times a year up there and visit. 0:54:34.000 --> 0:54:36.440 And this past year or twenty twenty four now I 0:54:36.560 --> 0:54:39.120 went for two like standed trips. I was there for 0:54:39.239 --> 0:54:42.120 three weeks and I did six week a little trip 0:54:42.200 --> 0:54:45.320 up there, and I was like, let me just see stuff. 0:54:45.320 --> 0:54:48.600 It's like put a ring on it. Damn, we're doing here? 0:54:48.840 --> 0:54:49.600 What are what are we? 0:54:49.680 --> 0:54:49.839 Chris? 0:54:49.920 --> 0:54:50.880 What is it? What are we doing here? 0:54:50.920 --> 0:54:51.960 Are you coming? Are you going to stay? 0:54:53.200 --> 0:54:54.840 I had commitment issuans with the city. I was like, 0:54:54.880 --> 0:54:56.640 I just don't want to make the wrong decision. What 0:54:56.760 --> 0:54:58.120 if LA was really the right one? 0:54:58.760 --> 0:55:01.160 All back, it's right the It's not going to be 0:55:01.280 --> 0:55:01.839 off the map. 0:55:02.440 --> 0:55:04.160 I know, I know, but I was like, I was like, 0:55:04.160 --> 0:55:05.880 I want to just check because like all my families here, 0:55:05.920 --> 0:55:07.799 I have a niece, my niece, she's three years old. 0:55:08.400 --> 0:55:10.120 I love being around her. And that was probably the 0:55:10.200 --> 0:55:13.080 hardest part. I heard my brother and my sister in law, 0:55:13.160 --> 0:55:15.480 but I love hanging out with them. My parents are 0:55:15.640 --> 0:55:18.080 getting older, so I was like, I want to leave 0:55:18.120 --> 0:55:20.160 this area, a place I've lived Southern California my whole life, 0:55:20.160 --> 0:55:22.320 born and raised out of here. But I just I 0:55:22.440 --> 0:55:24.279 was drawn to San Francisco. I love the weather, I 0:55:24.440 --> 0:55:26.480 like being able to walk and take pub with Traansas Station. 0:55:27.000 --> 0:55:28.719 It's just like it was just it was a good time. 0:55:28.840 --> 0:55:31.200 So I finally said I'm going to do it. And 0:55:31.360 --> 0:55:34.359 actually we're recording this. I'm about a week out from 0:55:34.440 --> 0:55:35.600 the official move up. 0:55:37.800 --> 0:55:38.960 That is so exciting. 0:55:39.200 --> 0:55:41.560 I love a fresh new and fresh new year, fresh 0:55:41.680 --> 0:55:42.120 new move. 0:55:42.320 --> 0:55:43.680 You got all this fresh new energy. 0:55:43.760 --> 0:55:44.160 I love that. 0:55:44.440 --> 0:55:46.560 And you got a new San Francisco girlfriend too, right. 0:55:47.160 --> 0:55:50.200 Yeah, that's where I had to tell my friends. I 0:55:50.280 --> 0:55:52.200 was like, I was planning to move before I met her. 0:55:52.320 --> 0:55:53.439 That wasn't my man moving jail. 0:55:53.480 --> 0:55:55.600 So you were. But I think that's so beautiful, and 0:55:55.680 --> 0:55:59.640 I mean, listen, like you're doing something really courageous. You know, 0:55:59.719 --> 0:56:03.040 you did a long, long marriage and like you went 0:56:03.120 --> 0:56:05.880 through that grieving process, you got into therapy. Like I 0:56:05.920 --> 0:56:07.520 give you a lot of shit because I love you, 0:56:08.080 --> 0:56:09.600 but I just think I just want to give you 0:56:09.680 --> 0:56:14.000 some flowers, buddy. And also it's exciting. It's like it's 0:56:14.080 --> 0:56:15.960 never too late to just like choose to start a 0:56:16.080 --> 0:56:19.360 brand new fing chapter, get up and move, you know, 0:56:19.520 --> 0:56:22.560 and do it for yourself, because yes, your niece and 0:56:22.680 --> 0:56:26.000 yes your parents, but also what about Chris, Like what 0:56:26.160 --> 0:56:29.480 about the life that you deserve to have? You know, 0:56:29.680 --> 0:56:30.960 look the way that you wanted to look. 0:56:31.360 --> 0:56:33.200 Yes, and just like you went to s F five 0:56:33.280 --> 0:56:35.319 times last year, you can go to LA five times 0:56:35.360 --> 0:56:35.840 and living and. 0:56:36.280 --> 0:56:38.600 It's just order to do it living and reverb But are. 0:56:38.560 --> 0:56:41.440 You just doing a flipp and yes, you just reversing it. 0:56:41.520 --> 0:56:43.839 You're not like erasing it from your life. You're just saying, oh, 0:56:43.880 --> 0:56:45.840 I want the ratio to be reversed. I want to 0:56:45.880 --> 0:56:47.920 be there more and here when I want, and you 0:56:48.000 --> 0:56:48.480 can always go. 0:56:49.200 --> 0:56:51.560 That's true. I appreciate all this, like say all those 0:56:51.600 --> 0:56:53.759 good words. I'm feeling all this energy because because even 0:56:54.000 --> 0:56:55.719 Mandy looks to make many feel bad again because she's 0:56:55.920 --> 0:56:57.600 was insult to me a lot at the beginning. She 0:56:57.920 --> 0:57:02.000 was so supportive as when I was yeah, Mandy, you've 0:57:02.000 --> 0:57:03.640 been hating on me and being so mean to me. 0:57:03.880 --> 0:57:06.840 But you're also you were so supportive, so kind. We 0:57:07.520 --> 0:57:09.440 talked about this a few times. Mandy came down to 0:57:09.600 --> 0:57:11.759 l A and we went on a hike where we 0:57:11.880 --> 0:57:13.719 almost fell. The fact, almost fell off an edge a 0:57:13.719 --> 0:57:17.479 couple of times. But you were sharing your. 0:57:17.560 --> 0:57:19.240 Your sweight, glands do not belong in l A. You 0:57:19.320 --> 0:57:21.160 need to be in some temperate climates, buddy. 0:57:21.280 --> 0:57:26.960 I was, let me tell you, swinging like cool by 0:57:26.960 --> 0:57:31.440 the time that was over. But yeah, Mandy was so supportive. 0:57:31.960 --> 0:57:33.800 She shall share so many stories about you. I feel 0:57:33.840 --> 0:57:36.240 like you have no problem being courageous and stepping out 0:57:36.280 --> 0:57:38.640 there and trying new things. And I'm the exact opposite. 0:57:38.640 --> 0:57:40.600 And I'm like, hold up, let me make a spreadsheet 0:57:40.640 --> 0:57:41.920 and let me put you the options. 0:57:43.800 --> 0:57:45.200 We see that. We see that now. 0:57:45.600 --> 0:57:49.600 Yes, I'm excited. Thank you for the encouragement. I appreciate it. 0:57:49.760 --> 0:57:51.200 I'm really excited for this next pace here. 0:57:51.280 --> 0:57:52.240 We can't wait to visit. 0:57:54.160 --> 0:57:55.840 You. So many great people. 0:57:55.920 --> 0:57:57.480 Yes, also have to say burners off. There's a lot 0:57:57.520 --> 0:57:58.800 of good people and that stuff. It can be like 0:57:58.880 --> 0:58:00.520 a good little tech hoods. 0:58:00.640 --> 0:58:05.840 I'll get us in each corner of the country. Yeah, yeah, 0:58:06.800 --> 0:58:09.480 oh well, this was so fun. First episode of Brown 0:58:09.480 --> 0:58:13.600 Ambition for the year. I can't believe it. I feel 0:58:13.640 --> 0:58:15.200 the need to be like Tiffany, I love you, I 0:58:15.320 --> 0:58:18.280 miss you. But yeah, Nelly and Chris, I can't thank 0:58:18.320 --> 0:58:20.360 you so much has been I really look forward to it, 0:58:20.400 --> 0:58:21.920 and I was worried I wasn't going to have that 0:58:22.000 --> 0:58:24.040 same level of like giddy, Oh I get to go 0:58:24.120 --> 0:58:27.280 talk to my friend, but still provide value to the audience. 0:58:27.320 --> 0:58:28.520 And I hope be a fan. You feel like we 0:58:28.600 --> 0:58:31.920 really poured into you, get you some great tips for 0:58:32.040 --> 0:58:34.200 the new year, got you off to a good start. 0:58:34.320 --> 0:58:38.280 Yan Elly and Chris, thank you so much. So Chris, 0:58:38.360 --> 0:58:42.000 you're at popcorn, popcorn finance everywhere. Yeah, Nelly, you're at 0:58:42.040 --> 0:58:46.960 miss be Helpful everywhere. We're gonna put your social handles 0:58:47.120 --> 0:58:50.160 in the show notes, so everyone go follow and check 0:58:50.200 --> 0:58:52.960 out their work. And I think I just snuck away 0:58:53.000 --> 0:58:55.200 without doing a Brown boost or break on my own. 0:58:55.680 --> 0:58:56.080 I'm going to. 0:58:59.200 --> 0:59:02.040 Just real quick Google, I actually did just become an 0:59:02.040 --> 0:59:04.240 affiliate partner and I chase them down because I love 0:59:04.360 --> 0:59:07.560 this AI tool so much. It's called teal t e 0:59:07.760 --> 0:59:11.120 a L It's a AI resume, and I love this 0:59:11.280 --> 0:59:14.200 LinkedIn profile tool that and it actually has so much 0:59:14.240 --> 0:59:16.560 more than just that, but it'll help you, like take 0:59:16.640 --> 0:59:19.520 the It drives me nuts when people don't apply for 0:59:19.560 --> 0:59:22.600 a job because their resume isn't perfect. I feel like 0:59:22.640 --> 0:59:25.640 that's you, Chris, but like over but it's not as 0:59:25.680 --> 0:59:27.520 good as it could be. Blah blah blah. And then 0:59:27.520 --> 0:59:30.760 they spend hours or hundreds of dollars like hiring someone 0:59:30.800 --> 0:59:32.960 to do it for them. That this is like, I'm like, yes, 0:59:33.040 --> 0:59:36.040 because I hate editing resumes. I don't spend time on it. 0:59:36.160 --> 0:59:38.360 I believe in personal connections. But if you're going to 0:59:38.440 --> 0:59:41.000 do it, use a tool like teal They make it 0:59:41.120 --> 0:59:43.200 so simple. And I'll put a link to put my 0:59:43.240 --> 0:59:46.200 affiliate link in the show notes. So y'all go support 0:59:46.240 --> 0:59:49.840 a girl. But yeah, that's my boost teal Ai and 0:59:50.480 --> 0:59:53.000 I hope that you guys embrace the bots. That's what 0:59:53.040 --> 0:59:56.320 we should call this episode, Embracing the Bots in twenty 0:59:56.400 --> 0:59:56.880 twenty five. 0:59:57.440 --> 0:59:57.840 Get with that. 0:59:58.120 --> 1:00:00.160 We'll workshop that I'll ask one of the bots for 1:00:00.280 --> 1:00:02.280 some ideas. How about that fact? 1:00:03.960 --> 1:00:07.000 Thank you all, Embrace the bots. Thank you Mandy. 1:00:07.120 --> 1:00:07.920 This was so lovely