WEBVTT - BA Q&A: Make Your Money Inconvenient

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<v Speaker 1>Hey, now it's time for the b a q a.

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<v Speaker 2>A me a q a.

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<v Speaker 1>What is saying the b a q a with Manda,

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<v Speaker 1>the b a q a with Toda b a q a.

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<v Speaker 3>I love the an sync pronunciation of the why.

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<v Speaker 1>I'm getting on my Mary jay Blie my dancery somebody, y'all.

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<v Speaker 1>If you don't know what that means, child, go listen

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<v Speaker 1>to some Mary. Yes, it's time for the b a

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<v Speaker 1>q a where you have questions and we have some answers.

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<v Speaker 1>Although we are not your attorneys, your financial advisors, but

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<v Speaker 1>we are two smart brown girls when it comes to

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<v Speaker 1>your money, when it comes to your business, and when

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<v Speaker 1>it comes to your what do we do career? I'm like, wait,

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<v Speaker 1>what's career? So let's crack over b a q a.

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<v Speaker 1>If you have any questions, you can always send them

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<v Speaker 1>to us.

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<v Speaker 3>One.

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<v Speaker 1>If you want to be on BAQA and sitting the

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<v Speaker 1>hot seat and ask us some questions, you can send

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<v Speaker 1>an audio note to us on Instagram. We are Brand

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<v Speaker 1>and Mission Podcasts. On Instagram. You can go to Branipision

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<v Speaker 1>podcast dot com and click like the contact us button

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<v Speaker 1>or whatever and ask a question that way. We'd love

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<v Speaker 1>to have you whether it's here in person, when the

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<v Speaker 1>digital studio, or we just answer your question.

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<v Speaker 2>So we've got somebody name, do we want to use

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<v Speaker 2>her name? Because what does she doys want that to

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<v Speaker 2>be her name?

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<v Speaker 3>She should have used a pseudonym, Isabella. Let's go with Isabella.

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<v Speaker 2>That's my Okaya.

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<v Speaker 1>So Isabella says, Hey, Mandy and Tiffany, I recently found

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<v Speaker 1>your show and I've been obsessed.

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<v Speaker 2>We love that Isabella.

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<v Speaker 1>My partner and I have a goal of buy a

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<v Speaker 1>house in five years. I have an HYSSA. But when

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<v Speaker 1>I'm doing my research or what is the best place

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<v Speaker 1>to save the best way to save for a down payment,

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<v Speaker 1>I've been getting overwhelmed with all of these ways to save.

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<v Speaker 1>Should I be using an HSA, HYSA investment or open

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<v Speaker 1>ACD account? Currently working on paying down my loans and

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<v Speaker 1>credit card debt while building an emergency fund. Once I

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<v Speaker 1>get all of these things taken care of and debt free,

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<v Speaker 1>my goal is to start saving toward a future home.

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<v Speaker 1>Thank you so much in advance, Love you girls, Ea Saba.

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<v Speaker 3>La all right, okay, so high Yield Savings account is hyssay?

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<v Speaker 3>I mean the good news is that High Yield Savings

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<v Speaker 3>accounts are actually high yield again because the FED has

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<v Speaker 3>been raising rates. I think I'm more up to like

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<v Speaker 3>over two percent in online only banks. Yeah, two whole pennies, yes,

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<v Speaker 3>one hundred dollars yep, or one dollar, I don't know. Yeah,

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<v Speaker 3>so it's been I mean, you got five years, which

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<v Speaker 3>is a long time horizon. So the good news is

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<v Speaker 3>that you do have these other options you could you know,

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<v Speaker 3>there could be a case for a semi aggressive ish

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<v Speaker 3>investment account to save for that to invest for that house.

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<v Speaker 3>You do have to look at the economy, of course.

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<v Speaker 3>I mean, if you were gonna drop money into an

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<v Speaker 3>investment account, would now be the worst time? No, it

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<v Speaker 3>depends on what happens in the rest of the year.

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<v Speaker 3>But the market has gone down, down, down, down, downtwntown,

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<v Speaker 3>So there could be the expectation that you could put

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<v Speaker 3>some money in there and then if you weather the

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<v Speaker 3>recession that's coming, that it would grow five years from now.

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<v Speaker 3>History would tell you that that is probably the case.

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<v Speaker 3>But you know, I feel uncomfortable predicting the future, So

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<v Speaker 3>there's that. So it depends on like your level of risk,

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<v Speaker 3>you know, aversion are you or risk tolerance? Can you

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<v Speaker 3>handle the idea that you may lose some money if

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<v Speaker 3>you sink it into investment account or do you want to

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<v Speaker 3>know that every penny you sock away will remain there. Yeah,

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<v Speaker 3>and if that's the case, then a CD could definitely

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<v Speaker 3>be a nice little alternative. With the CD, you do

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<v Speaker 3>have to lock up your money for a certain amount

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<v Speaker 3>of time, but in return for locking it up, they

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<v Speaker 3>will give you a much higher interest rate than what

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<v Speaker 3>you make it from, even the high yield savings accounts.

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<v Speaker 3>So yeah, that's definitely an option to what do you think?

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<v Speaker 1>Well, for sure, the number one thing, Isabella is that

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<v Speaker 1>you want to make sure that wherever you're checking, is

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<v Speaker 1>this money ain't because lord knows, if you're like me

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<v Speaker 1>at Target like ooh, checking is like sis, now you

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<v Speaker 1>know you.

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<v Speaker 2>Don't have it.

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<v Speaker 1>Savings is like, well we have it, girl, And then

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<v Speaker 1>you hitch your finger on the button and transfer from

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<v Speaker 1>checking the savings and in two point two seconds you

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<v Speaker 1>have your money available. So that's number one for Isabella

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<v Speaker 1>or anyone listening. Any money that you want to have saved,

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<v Speaker 1>you have to make your money inconvenient, because inconvenient money

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<v Speaker 1>gets saved. So that's first and foremost and a highild

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<v Speaker 1>savings account is inconvenient as long as you don't have

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<v Speaker 1>a checking account at that same bank. And investment account

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<v Speaker 1>definitely inconvenient. That means it's not super liquid, and a

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<v Speaker 1>CD is definitely inconvenient if it was me. But here's

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<v Speaker 1>the thing that I'm reading in this is she wants

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<v Speaker 1>to pay off her credit card debt.

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<v Speaker 2>So here's the here's the thing.

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<v Speaker 1>Because of the way the market is, I mean, things

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<v Speaker 1>are down like woof, like the market is down bad.

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<v Speaker 1>But as Mandy said, it doesn't ever stay down bad.

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<v Speaker 1>It has yet to stay down in history. But then again,

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<v Speaker 1>we haven't had a pandemic in one hundred years, so

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<v Speaker 1>we don't know.

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<v Speaker 2>If it was me.

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<v Speaker 1>I don't know about you, Isabella, because you know, I

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<v Speaker 1>can't give you investment advice. But if it was me,

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<v Speaker 1>I probably would be putting some in an investment account

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<v Speaker 1>and then some in either high yield savings or a

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<v Speaker 1>CD because I would want to try my luck a

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<v Speaker 1>little bit. Like let's just say, if I was aside,

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<v Speaker 1>if I'm paying off my credit card debt, I told myself,

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<v Speaker 1>I'm gonna save like say, you know, I don't know

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<v Speaker 1>three hundred dollars a month towards the house. I might

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<v Speaker 1>do like one hundred in my investment account or one fifty,

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<v Speaker 1>no more than that, and then the other one any

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<v Speaker 1>of their like you know, in a higal savings and

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<v Speaker 1>then save up enough until like you know, had enough

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<v Speaker 1>to put like a good amount into a CD for

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<v Speaker 1>like a year or two years, whatever, you know, whatever,

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<v Speaker 1>whatever length of CD that you're looking for. The longer

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<v Speaker 1>the length of the CD, the more money that they

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<v Speaker 1>will pay you an interest. That's probably what I would do,

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<v Speaker 1>is a mix of the two if it was me.

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<v Speaker 1>Because I cannot give you financial I cannot give you

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<v Speaker 1>investment advice.

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<v Speaker 2>I'm talking about Tiffany.

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<v Speaker 1>Yeah, but I will say this, I don't know how

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<v Speaker 1>much your what your interest ran in your credit card

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<v Speaker 1>debt is. If the interest on your credit card debt

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<v Speaker 1>is double digits, then you need to double down on that.

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<v Speaker 1>If the interest is under double digits, then I would

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<v Speaker 1>be saving for the house at the same time as

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<v Speaker 1>paying off my credit card debt. Because you basically have

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<v Speaker 1>to say, ask yourself, will the cost of the credit

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<v Speaker 1>card debt, meaning the interest, wipe out any returns that

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<v Speaker 1>you might get on your investment because on average, you know,

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<v Speaker 1>you're looking at a ten percent return annually on investments.

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<v Speaker 1>I mean some years you'll get more than ten, some

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<v Speaker 1>year less than ten, but it'll average out to be

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<v Speaker 1>about ten. So if your credit cards cost you more

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<v Speaker 1>than ten, even if the market gives you ten, the

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<v Speaker 1>credit card debt will credit card interest rate will wipe

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<v Speaker 1>that way those gains.

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<v Speaker 2>I hope that makes sense.

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<v Speaker 1>So if your credit card debt interest rate is twenty percent,

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<v Speaker 1>thirty percent, pay that off, do not pass go, do

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<v Speaker 1>not collect two hundred dollars. If it's eight percent, nine percent,

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<v Speaker 1>six percent, seven percent, I'll be doing both credit card

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<v Speaker 1>debt and and setting aside for the house. And when

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<v Speaker 1>I say set aside for a house, I mean like investing,

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<v Speaker 1>so that way I could take advantage of these these

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<v Speaker 1>of the market being down. But that's about with Tiffany,

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<v Speaker 1>not if I was Isabella, because the Sabella got to

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<v Speaker 1>decide for herself.

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<v Speaker 2>You see see what I did there?

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<v Speaker 3>Yeah, assue me. I mean the more I think about it,

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<v Speaker 3>I feel like, because she wants to build up her

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<v Speaker 3>emergency fund too, I think AHIL savings accounts a great

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<v Speaker 3>place for an emergency fund. It is like Tiffany said,

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<v Speaker 3>harder to get to, but it's still you're able to

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<v Speaker 3>get to it, you know, because it's supposed to be

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<v Speaker 3>really easy to get to. And if you wanted that separation,

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<v Speaker 3>I like the separation of accounts for your goal. So

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<v Speaker 3>if you wanted that separation for your your down payment fund,

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<v Speaker 3>then you've got five years or more. So open that CD.

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<v Speaker 3>You know, get a long term CD. You can even do.

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<v Speaker 3>You can google and you'll probably find an old article

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<v Speaker 3>that I edited at Magnify Money on how to do

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<v Speaker 3>a CD ladder, because I'll never forget it the labor

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<v Speaker 3>of love. So you know, if you don't like the

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<v Speaker 3>idea of getting like a five year CD and putting

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<v Speaker 3>everything in there, you could, you know, kind of stagger

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<v Speaker 3>it so you can get a twelve month CD and

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<v Speaker 3>then like an eighteen month and a twenty four month

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<v Speaker 3>and like, you know, work your way up. But but

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<v Speaker 3>I like that. It's it's really hard to get to

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<v Speaker 3>and it's your home fund. And you know, when you

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<v Speaker 3>can choose how much you want to put into those

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<v Speaker 3>CDs and just kind of set them to the side

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<v Speaker 3>and they'll grow at a higher rate than they would

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<v Speaker 3>and your you know, your high he oled savings.

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<v Speaker 2>I know, hopefully I know those. It's like that that's

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<v Speaker 2>what I ask you, guys. I'm like, I know.

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<v Speaker 1>Basically what we're saying is there's no wrong answer, as

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<v Speaker 1>long as you make your money inconvenient do.

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<v Speaker 3>A little bit about all of it. She's like, just

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<v Speaker 3>tell me the one thing to do.

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<v Speaker 1>Yes, It's like, that's probably what I would do. I

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<v Speaker 1>probably would do a little mix.

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<v Speaker 3>Helpful all the info. Good luck on saving for the

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<v Speaker 3>house though, very exciting, and thank goodness you're not in

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<v Speaker 3>a rush because I don't know. This is a tough

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<v Speaker 3>time to buy it is. Should take a quick break

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<v Speaker 3>and come right back with another question from Carolina.

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<v Speaker 1>Carolina Catalina. That was my best friend from elementary school.

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<v Speaker 1>That was her name, Carolina.

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<v Speaker 3>All right, let's get into this question number two. I

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<v Speaker 3>forgive you. You put a y at the end of

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<v Speaker 3>my name. It does not belong there, but I forgive

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<v Speaker 3>you Ktalina. Catalina says, Hi, Mandy and Tiffany, I love

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<v Speaker 3>your podcast. I hope you can give me advice. I

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<v Speaker 3>am thirty and I'm in a divorce process after five

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<v Speaker 3>years of marriage. I'm walking out with empty pockets. Due

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<v Speaker 3>to many wrong decisions I took. I was living Inmany

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<v Speaker 3>and now I've moved back to my mom's and sister

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<v Speaker 3>in Canada. I need help finding out what I can

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<v Speaker 3>do to plan ahead for my retirement, a house, or

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<v Speaker 3>just to have a good life. I'm debt free, but

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<v Speaker 3>I have no savings at all. Please girls advise me here.

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<v Speaker 3>You're a Latina fan, you can call me Catalina.

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<v Speaker 1>Oh oh, Darlena. Well forst of starting over, don't beat

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<v Speaker 1>yourself up. Talking about many wrong decisions doesn't sound wrong

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<v Speaker 1>to me. You don't moved back with moms smart and

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<v Speaker 1>you have no debt, super smart, So you sound smart

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<v Speaker 1>to me.

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<v Speaker 2>Sis, So let's start there.

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<v Speaker 1>And so I mean, I don't you didn't say anything about, like,

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<v Speaker 1>you know, what you do for a living, or if

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<v Speaker 1>you have income coming in, if.

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<v Speaker 3>You are living probably starting all the way over coming

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<v Speaker 3>from Germany to Canada after a bad marriage. Yeah, I

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<v Speaker 3>think all roads stem from your career, you know, like

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<v Speaker 3>financial roads. So what I'm hoping is that your mom

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<v Speaker 3>and your sister, if you live with's or just one

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<v Speaker 3>of them, that they can give you some some freedom

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<v Speaker 3>and some space to like build yourself back up. Which

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<v Speaker 3>is a gift in and of itself, and shout out

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<v Speaker 3>to all the families who are that soft place to

0:11:11.640 --> 0:11:15.040
<v Speaker 3>land for us. And I would just focus on to

0:11:15.160 --> 0:11:17.199
<v Speaker 3>having a fresh start in your career and finding a

0:11:17.280 --> 0:11:19.600
<v Speaker 3>job that you really enjoy that pays you well, and

0:11:19.679 --> 0:11:23.680
<v Speaker 3>investing in some time to you know, dust off that resume,

0:11:23.760 --> 0:11:27.320
<v Speaker 3>get it spruced up, have someone look it over. I

0:11:27.320 --> 0:11:29.800
<v Speaker 3>don't know if English is your first language. I know

0:11:29.880 --> 0:11:32.920
<v Speaker 3>that you said that you were living in Germany. I

0:11:32.960 --> 0:11:35.760
<v Speaker 3>don't know, but yeah, maybe getting that spruced up and

0:11:35.800 --> 0:11:38.400
<v Speaker 3>making sure that you're like positioning yourself best for the

0:11:38.400 --> 0:11:42.600
<v Speaker 3>opportunities that you want. And as far as like starting

0:11:42.679 --> 0:11:45.120
<v Speaker 3>to build up your savings, I would start like priority

0:11:45.160 --> 0:11:47.640
<v Speaker 3>You can't do it all, yeah at once, So like

0:11:47.720 --> 0:11:49.880
<v Speaker 3>what do you need to prioritize for you? It may

0:11:49.880 --> 0:11:53.120
<v Speaker 3>be like saving up enough to pay your first few

0:11:53.120 --> 0:11:55.280
<v Speaker 3>months of rent if you wanted to move out on

0:11:55.320 --> 0:11:57.880
<v Speaker 3>your own and have that independence back. Or it could

0:11:57.880 --> 0:11:59.640
<v Speaker 3>be you know, you could live with your mom for

0:11:59.679 --> 0:12:01.520
<v Speaker 3>a long time time and just focus on building up

0:12:01.520 --> 0:12:05.520
<v Speaker 3>your emergency fund. I'm just really sorry what happened in this.

0:12:05.679 --> 0:12:09.400
<v Speaker 3>In this case, it's I mean, my my mom really

0:12:09.400 --> 0:12:12.080
<v Speaker 3>struggled financially after her divorce, In fact, both of them did.

0:12:12.120 --> 0:12:16.040
<v Speaker 3>It was a hot mess. But I feel like the mistakes,

0:12:16.280 --> 0:12:18.640
<v Speaker 3>or you know, the mistakes you may perceive to be mistakes,

0:12:18.960 --> 0:12:20.800
<v Speaker 3>you're still so young. You have so much time to

0:12:20.880 --> 0:12:23.120
<v Speaker 3>learn from them and do everything differently this time, and

0:12:23.160 --> 0:12:26.320
<v Speaker 3>you're gonna, you know, you're gonna be amazing.

0:12:26.440 --> 0:12:28.680
<v Speaker 1>I just want to like encourage you, Catalina to first

0:12:28.760 --> 0:12:31.160
<v Speaker 1>start with like it's gonna sound kind of like cheesy,

0:12:31.200 --> 0:12:33.880
<v Speaker 1>but like I want you to forgive yourself, you know,

0:12:34.000 --> 0:12:36.319
<v Speaker 1>because I promise you you're probably like kind of like,

0:12:37.280 --> 0:12:40.160
<v Speaker 1>you know, like being really harder on yourself than you

0:12:40.200 --> 0:12:42.200
<v Speaker 1>ought to. I want you to think of yourself and

0:12:42.240 --> 0:12:45.160
<v Speaker 1>ask yourself. Okay, let's pretend like this is my sister

0:12:46.160 --> 0:12:50.079
<v Speaker 1>and you know, she after a divorce, is back with me.

0:12:50.160 --> 0:12:53.520
<v Speaker 2>And mommy, Like, would you would you? I know you are.

0:12:53.640 --> 0:12:55.360
<v Speaker 1>You're talking to yourself in your head, and I bet

0:12:55.360 --> 0:12:56.200
<v Speaker 1>you're being harsh.

0:12:56.400 --> 0:12:57.360
<v Speaker 2>Would you talk to your.

0:12:57.280 --> 0:13:01.480
<v Speaker 1>Sister like that? You wouldn't, you'd be like on, I'm

0:13:01.480 --> 0:13:04.679
<v Speaker 1>just so glad you're here. I'm glad that you decided that,

0:13:04.720 --> 0:13:06.320
<v Speaker 1>like it was so smart of you to come back

0:13:06.360 --> 0:13:10.360
<v Speaker 1>home to where you're safe and where we can help you. Like,

0:13:10.440 --> 0:13:13.960
<v Speaker 1>I want you to talk to yourself, nice girl, right,

0:13:14.000 --> 0:13:16.720
<v Speaker 1>I want you to lean in and because if you don't, so,

0:13:17.120 --> 0:13:18.520
<v Speaker 1>I don't know if you got a chance to watch

0:13:18.800 --> 0:13:21.120
<v Speaker 1>Get Smart with Money on Netflix, the documentary that I

0:13:21.120 --> 0:13:24.079
<v Speaker 1>did on Netflix. And one of the things that really

0:13:25.200 --> 0:13:30.440
<v Speaker 1>I worked with Adriana on she's like this amazing Dominican

0:13:30.480 --> 0:13:34.360
<v Speaker 1>woman who I helped on the show, is that she

0:13:34.520 --> 0:13:37.640
<v Speaker 1>was so hard on herself. And because she was hard

0:13:37.679 --> 0:13:41.520
<v Speaker 1>on herself, she experienced a lot of shame and she

0:13:41.720 --> 0:13:47.400
<v Speaker 1>couldn't get past the shame because shame shields solutions. And

0:13:47.480 --> 0:13:50.000
<v Speaker 1>so even though it was like a yo yo diet,

0:13:50.040 --> 0:13:51.560
<v Speaker 1>even though she would budget a little bit, she would

0:13:51.559 --> 0:13:53.640
<v Speaker 1>go right back to overspending and she would get her

0:13:53.640 --> 0:13:55.680
<v Speaker 1>credit card bills down, and she would go right back

0:13:55.880 --> 0:13:58.800
<v Speaker 1>because it was that mental thing that she had not

0:13:58.880 --> 0:14:04.000
<v Speaker 1>addressed first. So it's going to be very hard, Catrolina,

0:14:02.360 --> 0:14:06.760
<v Speaker 1>to fix whatever you want to fix financially if you're

0:14:06.800 --> 0:14:08.559
<v Speaker 1>being really hard on yourself. So I want to give

0:14:08.559 --> 0:14:11.120
<v Speaker 1>you the permission to say I did the best that

0:14:11.160 --> 0:14:13.880
<v Speaker 1>I could with what I had before me, and now

0:14:13.880 --> 0:14:15.680
<v Speaker 1>that I'm in a better place, I'm going to do

0:14:15.720 --> 0:14:18.400
<v Speaker 1>even better. That's what I want you to say, right

0:14:18.440 --> 0:14:21.720
<v Speaker 1>when that other Catalina reads and rears her head and says, girl.

0:14:21.400 --> 0:14:22.000
<v Speaker 2>You should have done.

0:14:22.520 --> 0:14:25.080
<v Speaker 1>I did the best that I could with the situation

0:14:25.240 --> 0:14:27.000
<v Speaker 1>that I was in, and now that I'm in a

0:14:27.000 --> 0:14:29.160
<v Speaker 1>better situation, I'm doing even better because look at you

0:14:29.200 --> 0:14:32.760
<v Speaker 1>writing it to Branhambischion listening to Brian ambition that speaks

0:14:32.880 --> 0:14:36.400
<v Speaker 1>volumes about like what type of person you are that

0:14:36.440 --> 0:14:38.920
<v Speaker 1>you're like, oh no, no, no, no, I am going

0:14:38.960 --> 0:14:40.800
<v Speaker 1>to have a better life, and you will. And so

0:14:40.840 --> 0:14:42.680
<v Speaker 1>I just want you to start there, and shameless plug,

0:14:43.240 --> 0:14:45.440
<v Speaker 1>I want you to work on financial wholeness. I want

0:14:45.480 --> 0:14:47.760
<v Speaker 1>you to work on the ten core sets, especially the

0:14:47.800 --> 0:14:52.680
<v Speaker 1>first five of your personal finances. So that's budgeting one,

0:14:52.880 --> 0:14:55.760
<v Speaker 1>savings two, debt three, but your debt free, which is

0:14:55.800 --> 0:14:59.240
<v Speaker 1>great credit for and then learning to earn five. That's

0:14:59.240 --> 0:15:02.200
<v Speaker 1>those the first five of the ten steps of financial hollness.

0:15:03.400 --> 0:15:05.560
<v Speaker 1>And so you can you can get help. I wrote

0:15:05.560 --> 0:15:08.400
<v Speaker 1>a book Get Good with Money, and you can get help.

0:15:08.440 --> 0:15:10.640
<v Speaker 1>I get Good with Money dot Com and work through

0:15:11.040 --> 0:15:13.360
<v Speaker 1>those steps. But I just want you to forgive yourself

0:15:13.400 --> 0:15:15.720
<v Speaker 1>because I can hear I can almost hear you through

0:15:15.760 --> 0:15:18.200
<v Speaker 1>your writing that you're harding yourself and we wish you

0:15:18.280 --> 0:15:22.200
<v Speaker 1>look and keep up if you get I we love updates.

0:15:22.640 --> 0:15:26.600
<v Speaker 1>So if you anyone listening is like, oh my gosh,

0:15:26.800 --> 0:15:29.360
<v Speaker 1>you answered my question and I listened or I didn't,

0:15:29.680 --> 0:15:32.120
<v Speaker 1>or it worked or it didn't, we'd love some updates.

0:15:32.560 --> 0:15:34.240
<v Speaker 2>Just make sure you let us know, like what name

0:15:34.240 --> 0:15:34.600
<v Speaker 2>we used.

0:15:34.640 --> 0:15:35.920
<v Speaker 1>It was like, oh my gosh, I was in whatever

0:15:35.920 --> 0:15:38.480
<v Speaker 1>episode and you know, you guys called me, you know,

0:15:39.560 --> 0:15:42.960
<v Speaker 1>silky savvy or whatever, So not what we know, because

0:15:42.960 --> 0:15:43.520
<v Speaker 1>we'd love to know.

0:15:43.600 --> 0:15:45.760
<v Speaker 2>Remember we had who was a guy with whose wife?

0:15:45.880 --> 0:15:47.440
<v Speaker 2>Kevin McKidd girl.

0:15:47.920 --> 0:15:50.120
<v Speaker 1>Kevin was like, my wife needs y'all help me, while

0:15:50.120 --> 0:15:51.120
<v Speaker 1>it was Kevin the need a.

0:15:51.080 --> 0:15:55.239
<v Speaker 3>Little bit of help, but we hi Kevin.

0:15:55.480 --> 0:15:56.000
<v Speaker 2>Hi, Kevin.

0:15:56.160 --> 0:15:56.200
<v Speaker 4>No.

0:15:56.320 --> 0:15:58.520
<v Speaker 2>But we love the updates, So you know, we hope

0:15:58.520 --> 0:15:59.520
<v Speaker 2>that you enjoyed this episode.

0:15:59.560 --> 0:16:01.560
<v Speaker 1>If you have questions, if you want to be in

0:16:01.600 --> 0:16:04.440
<v Speaker 1>the live digital studio with us and ask us your

0:16:04.520 --> 0:16:08.120
<v Speaker 1>questions about career, about business, about personal finance, go to

0:16:08.240 --> 0:16:12.640
<v Speaker 1>our Instagram, Brandovich and podcast. Leave us a voice note

0:16:12.960 --> 0:16:17.240
<v Speaker 1>via the message and you know we'll listen and we'll

0:16:17.520 --> 0:16:20.960
<v Speaker 1>amani are our producer will listen and will help choose.

0:16:21.000 --> 0:16:22.440
<v Speaker 1>And if you don't want to be in but you

0:16:22.480 --> 0:16:25.000
<v Speaker 1>still want your questions answered, you can go to brandibitchapodcast

0:16:25.080 --> 0:16:29.320
<v Speaker 1>dot com and ask us a question there via the contact.

0:16:29.160 --> 0:16:33.320
<v Speaker 3>We're just sun a regular role text dm ye really quick.

0:16:33.360 --> 0:16:35.080
<v Speaker 3>I did want to mention cut Alina. There is an

0:16:35.120 --> 0:16:38.920
<v Speaker 3>incredible podcast you mentioned there Latina. My girl Jannise Torrez

0:16:39.240 --> 0:16:42.920
<v Speaker 3>just went through a divorce and she's been incredibly brave

0:16:42.960 --> 0:16:45.640
<v Speaker 3>and courageous and all the things. And she has this

0:16:45.840 --> 0:16:50.520
<v Speaker 3>episode with her sister, her little sister, and it was October.

0:16:50.680 --> 0:16:53.560
<v Speaker 3>It's episode one seventy nine of her podcast You Okada Dnato.

0:16:54.000 --> 0:16:56.560
<v Speaker 3>I love it. It's called two Sisters, Two Survivors. They

0:16:56.600 --> 0:16:59.480
<v Speaker 3>both came out of abusive relationships and talk about it

0:16:59.520 --> 0:17:03.280
<v Speaker 3>and it is the most like realistic sister chat about

0:17:03.360 --> 0:17:06.320
<v Speaker 3>to force love it and like Janis is the older

0:17:06.320 --> 0:17:08.119
<v Speaker 3>one and you can tell and like her little sister

0:17:08.240 --> 0:17:11.800
<v Speaker 3>for her name now is like really sassy Lianne Leanne.

0:17:11.920 --> 0:17:14.480
<v Speaker 3>So and also it's a great podcast to check out

0:17:14.480 --> 0:17:17.439
<v Speaker 3>if you're looking for a Latina perspective. I love Jennie

0:17:17.520 --> 0:17:19.080
<v Speaker 3>and she's phenomenal, So.

0:17:19.600 --> 0:17:22.600
<v Speaker 2>Go awesome that's good. That's a good tool of the sources.

0:17:22.760 --> 0:17:23.479
<v Speaker 2>We love y'all.

0:17:23.960 --> 0:17:26.920
<v Speaker 3>Yeah, thank y'all so much for your questions, and we'll

0:17:26.920 --> 0:17:28.880
<v Speaker 3>see you next week on the ba qa.

0:17:29.760 --> 0:17:32.000
<v Speaker 4>Hey ba fam. We could not do this show without

0:17:32.040 --> 0:17:35.080
<v Speaker 4>your support or the support of our team behind the scenes.

0:17:35.359 --> 0:17:38.960
<v Speaker 4>The Brown Ambission Podcast is produced by Cumulus Podcast Network.

0:17:39.040 --> 0:17:42.560
<v Speaker 4>It's edited by the wonderful Emani Crosby and produced by

0:17:42.560 --> 0:17:46.840
<v Speaker 4>Tanya Bustos. Dennistimplinsky is our in house tech guru, and

0:17:46.960 --> 0:17:49.879
<v Speaker 4>I am Bandy Woodrid Santos your co host, and I

0:17:49.920 --> 0:17:53.480
<v Speaker 4>will see y'all next week