1
00:00:06,000 --> 00:00:09,840
Speaker 1: It's time for the b a q a A to

2
00:00:10,000 --> 00:00:12,680
Speaker 1: b a q a what you say, it'd be a

3
00:00:13,080 --> 00:00:16,000
Speaker 1: q a just sit the nick the b a q

4
00:00:16,280 --> 00:00:20,360
Speaker 1: a no man day today, y'all just got me. That's okay, girl.

5
00:00:20,480 --> 00:00:22,959
Speaker 1: So if you have questions, we have answers. But remember

6
00:00:22,960 --> 00:00:25,920
Speaker 1: we are not your mother, not your father, not your sister,

7
00:00:26,000 --> 00:00:29,000
Speaker 1: but your frian. So that means I know your financial advisor,

8
00:00:29,040 --> 00:00:32,480
Speaker 1: your doctor, your attorney. That means whatever advice I give,

9
00:00:33,400 --> 00:00:35,520
Speaker 1: it's not only advice. It's just a grain of salt.

10
00:00:36,200 --> 00:00:38,199
Speaker 1: So sue your grandma, not us, and leaning to the

11
00:00:38,200 --> 00:00:41,199
Speaker 1: people that you pay for the final set. Okay. So

12
00:00:41,240 --> 00:00:43,160
Speaker 1: if you have questions, you're gonna go to Brand Ambition

13
00:00:43,280 --> 00:00:47,479
Speaker 1: Podcasts at gmail dot com or Brandhambition podcast dot com

14
00:00:47,479 --> 00:00:51,560
Speaker 1: click contact us, or my favorite Brand Ambition podcast on

15
00:00:51,640 --> 00:00:54,680
Speaker 1: Instagram sliding the dms, and we will answer as many

16
00:00:54,760 --> 00:00:58,680
Speaker 1: questions as possible about money, about career, about business. We

17
00:00:58,760 --> 00:01:03,760
Speaker 1: got two questions today. First one is from Doctor Divorce. Okay, Hello,

18
00:01:03,760 --> 00:01:05,640
Speaker 1: beautiful ladies. I'm such a fan of your show and

19
00:01:05,760 --> 00:01:08,080
Speaker 1: love the both of you so much. I'm got some

20
00:01:08,160 --> 00:01:10,440
Speaker 1: law of your success. Thank you, girl. I divorced in

21
00:01:10,480 --> 00:01:14,240
Speaker 1: twenty nineteen, and I'm still dealing with the financial aftermath. Yes,

22
00:01:14,880 --> 00:01:18,040
Speaker 1: I'm finally approaching the settlement wow, the sale of two

23
00:01:18,120 --> 00:01:21,440
Speaker 1: properties woof which will result in over two hundred thousand

24
00:01:21,440 --> 00:01:23,840
Speaker 1: dollars for my share. I have been researching how to

25
00:01:23,920 --> 00:01:27,520
Speaker 1: avoid property gains tax. But I'm not of real estate pro. Okay.

26
00:01:27,920 --> 00:01:29,800
Speaker 1: I purchased the first home when I was single at

27
00:01:29,800 --> 00:01:33,920
Speaker 1: twenty four years old, and later added my ex husband, Ah,

28
00:01:34,280 --> 00:01:36,520
Speaker 1: she has a clown emoji and a crying emoji. That's

29
00:01:36,520 --> 00:01:38,319
Speaker 1: not that doesn't make you a clown girl. He was married.

30
00:01:38,880 --> 00:01:41,240
Speaker 1: So I'm feeling a little burned. I just want to

31
00:01:41,280 --> 00:01:43,520
Speaker 1: make a good decision moving forward so that this money

32
00:01:43,560 --> 00:01:46,119
Speaker 1: can grow. I'm now a single mother of one son.

33
00:01:46,920 --> 00:01:51,080
Speaker 1: I'm currently about thirty thousand dollars and dad plus student loans.

34
00:01:51,600 --> 00:01:54,480
Speaker 1: I have depleted all of my savings on legal fees.

35
00:01:55,160 --> 00:01:57,680
Speaker 1: My plan is to contact a financial advisor. But in

36
00:01:57,680 --> 00:02:00,560
Speaker 1: the meantime, can you ladies throw some ideas my way? Okay,

37
00:02:01,600 --> 00:02:04,240
Speaker 1: I too, am not a real estate pro. What you

38
00:02:04,280 --> 00:02:07,920
Speaker 1: are going to need, divorce doctor, divorce A is you

39
00:02:07,960 --> 00:02:11,000
Speaker 1: absolutely you need two people. You need an accountant asap,

40
00:02:11,400 --> 00:02:15,440
Speaker 1: and you need a financial advisor, because an accountant is

41
00:02:15,480 --> 00:02:17,840
Speaker 1: going to be able to tell you, like how do

42
00:02:18,000 --> 00:02:23,160
Speaker 1: you minimize capital gains tax? And that's when basically you've

43
00:02:23,160 --> 00:02:26,760
Speaker 1: made money on an investment, you know, you sold your

44
00:02:26,760 --> 00:02:29,240
Speaker 1: home and they are taxes that have to be paid.

45
00:02:29,440 --> 00:02:31,079
Speaker 1: I don't know when you wrote this in, but you're

46
00:02:31,080 --> 00:02:36,120
Speaker 1: gonna want to sit with a accountant and in conjunction

47
00:02:36,160 --> 00:02:38,400
Speaker 1: with your financial advisor. So a great place to find

48
00:02:38,440 --> 00:02:41,120
Speaker 1: a financial advisor. I actually started this free matching program.

49
00:02:41,360 --> 00:02:44,160
Speaker 1: Go to is it your money I always forget I

50
00:02:44,240 --> 00:02:49,040
Speaker 1: think it's your your money yep. Go to your moneymatch

51
00:02:49,120 --> 00:02:54,560
Speaker 1: dot com? Oh oh child, want is it down? Maybe

52
00:02:54,560 --> 00:02:56,000
Speaker 1: it's not your money match. Let's see is it my

53
00:02:56,040 --> 00:03:01,520
Speaker 1: money match? No child? Ugh the ghetto. But by the

54
00:03:01,520 --> 00:03:08,440
Speaker 1: time you you go, it should be up. I don't know.

55
00:03:08,480 --> 00:03:13,440
Speaker 1: Well anyway, your moneymatch dot Com. Oh yeah, so it

56
00:03:13,520 --> 00:03:15,239
Speaker 1: is your money match dot Com. But for some reason,

57
00:03:15,600 --> 00:03:17,360
Speaker 1: my computer is saying it's down, which it should not

58
00:03:17,360 --> 00:03:20,680
Speaker 1: be because it's on my website. They're playing. But go to

59
00:03:20,720 --> 00:03:23,839
Speaker 1: your moneymatch dot com and you may make myself a list.

60
00:03:24,080 --> 00:03:28,280
Speaker 1: You will be able to fill out this kind of questionnaire,

61
00:03:28,880 --> 00:03:31,080
Speaker 1: a quick questionnaire, and it will match you up to

62
00:03:31,160 --> 00:03:34,520
Speaker 1: three financial advisors based upon this kind of questionnaire and

63
00:03:34,560 --> 00:03:38,120
Speaker 1: figuring out what do you need? Okay, hey, ba fan,

64
00:03:38,240 --> 00:03:41,240
Speaker 1: we're gonna take a quick break and we'll be right back.

65
00:03:46,360 --> 00:03:47,840
Speaker 1: So that is a good place to start looking for

66
00:03:47,840 --> 00:03:50,840
Speaker 1: a financial advisor. We partner with this company called wealth

67
00:03:50,920 --> 00:03:54,760
Speaker 1: Ramp to match you with certified financial planners only. That

68
00:03:54,840 --> 00:03:58,280
Speaker 1: is key. Doctor Duvore said, you want to see s

69
00:03:58,800 --> 00:04:03,600
Speaker 1: P c FP Certified financial Planner. What is that? A

70
00:04:03,600 --> 00:04:08,160
Speaker 1: certified financial planner is the gold star for all financial advisors.

71
00:04:08,240 --> 00:04:09,960
Speaker 1: I want you to think of a financial advisors like

72
00:04:10,000 --> 00:04:14,480
Speaker 1: saying I'm a teacher. That's great, But a CFP is

73
00:04:14,560 --> 00:04:21,760
Speaker 1: like saying I am a I am a what is

74
00:04:21,800 --> 00:04:23,800
Speaker 1: it called? Like? Not just a teacher, I am a

75
00:04:23,880 --> 00:04:27,559
Speaker 1: college professor with their doctorate. It is the top tier

76
00:04:27,600 --> 00:04:31,120
Speaker 1: of teachers. Certified financial planner because one, they have to

77
00:04:31,120 --> 00:04:32,720
Speaker 1: take all these tests and all these things. They also

78
00:04:32,800 --> 00:04:36,840
Speaker 1: have to do continued education, and they have to be

79
00:04:36,920 --> 00:04:38,920
Speaker 1: a fiduciary, which they really all have to be, which

80
00:04:38,960 --> 00:04:40,880
Speaker 1: means they have to put you, put you first. I

81
00:04:41,000 --> 00:04:44,760
Speaker 1: got to put you for solutions, right, and so yeah,

82
00:04:44,800 --> 00:04:46,479
Speaker 1: you want a certify financial planner. But that's why I

83
00:04:46,520 --> 00:04:49,280
Speaker 1: like working with Ralph Ramp. Get your money match, go

84
00:04:49,320 --> 00:04:51,839
Speaker 1: to your moneymatch dot com because it's important that you

85
00:04:51,839 --> 00:04:53,440
Speaker 1: know what questions the ask. So I give you all

86
00:04:53,440 --> 00:04:56,279
Speaker 1: these free resources that even after you get matched, the

87
00:04:56,400 --> 00:04:59,600
Speaker 1: questions to ask how to prepare? All that is free

88
00:04:59,640 --> 00:05:02,600
Speaker 1: at your moneymatch dot com. Obviously, working with the financial

89
00:05:03,680 --> 00:05:05,880
Speaker 1: planner is not free, but the tool that I give

90
00:05:05,920 --> 00:05:09,520
Speaker 1: you is free, which is really things some things to consider.

91
00:05:10,279 --> 00:05:14,800
Speaker 1: I personally don't like paying a financial planner as au M,

92
00:05:14,880 --> 00:05:17,240
Speaker 1: which is assets under management that means they get a

93
00:05:17,240 --> 00:05:20,479
Speaker 1: percentage of the assets they manage for you, because that

94
00:05:20,520 --> 00:05:22,919
Speaker 1: gets to be very expensive. I'd rather pay out of pocket.

95
00:05:23,480 --> 00:05:26,360
Speaker 1: You know. Also too, what I look like about certified

96
00:05:26,360 --> 00:05:29,680
Speaker 1: financial planners is they don't sell you, like insurance and

97
00:05:29,680 --> 00:05:31,360
Speaker 1: things like that. You don't want to financial planners that's

98
00:05:31,360 --> 00:05:33,840
Speaker 1: going to be selling you stuff because that's a salesperson,

99
00:05:34,480 --> 00:05:37,640
Speaker 1: not a certified financial planner, because oftentimes people will sell

100
00:05:37,640 --> 00:05:39,279
Speaker 1: you things that are that will make money for them,

101
00:05:39,960 --> 00:05:42,520
Speaker 1: like don't even come for me for you financial Advisor's girl,

102
00:05:42,560 --> 00:05:47,440
Speaker 1: because my block game is strong, like whole life insurance,

103
00:05:47,760 --> 00:05:50,760
Speaker 1: which is largely a poor fit for most people. You

104
00:05:50,839 --> 00:05:53,560
Speaker 1: pay seven hundred dollars a month for a million dollar

105
00:05:53,640 --> 00:05:56,520
Speaker 1: policy when you could be paying forty dollars a month

106
00:05:56,760 --> 00:05:59,599
Speaker 1: for a term policy for thirty years as an average

107
00:05:59,600 --> 00:06:02,480
Speaker 1: forty year one who doesn't smoke, and that six hundred

108
00:06:02,520 --> 00:06:06,320
Speaker 1: and fifty sixty bucks you could be investing, you know.

109
00:06:06,400 --> 00:06:09,200
Speaker 1: So so some financial advisors will be selling you that

110
00:06:09,240 --> 00:06:10,880
Speaker 1: because they get so much money on the back end.

111
00:06:10,880 --> 00:06:13,200
Speaker 1: They don't get much money with term. So that's why

112
00:06:13,240 --> 00:06:15,120
Speaker 1: I want you a certified financial planner. They're not selling

113
00:06:15,200 --> 00:06:17,440
Speaker 1: you anything. I prefer you pay out of pocket. You

114
00:06:17,440 --> 00:06:20,320
Speaker 1: can pay monthly. You could even just pay for a plan,

115
00:06:21,120 --> 00:06:22,560
Speaker 1: you know, like you don't even have to if you

116
00:06:22,560 --> 00:06:23,839
Speaker 1: don't want to work with them for a year. You

117
00:06:23,839 --> 00:06:25,680
Speaker 1: could just say how much to work with you for

118
00:06:25,760 --> 00:06:29,960
Speaker 1: this particular situation. You know. Sometimes you they're like, oh,

119
00:06:29,960 --> 00:06:32,080
Speaker 1: this is a three month process and it might cost you,

120
00:06:32,160 --> 00:06:35,560
Speaker 1: say fifteen hundred, two thousand dollars or whatever. Just so

121
00:06:35,640 --> 00:06:39,680
Speaker 1: you know the math. You could pay on the low

122
00:06:39,760 --> 00:06:41,760
Speaker 1: end for financial plan if you are going to pay monthly,

123
00:06:41,800 --> 00:06:43,960
Speaker 1: you're looking at like five hundred bucks a month. On

124
00:06:44,040 --> 00:06:47,560
Speaker 1: the high end. I want to say, well, I don't

125
00:06:47,560 --> 00:06:48,920
Speaker 1: know if this is not the highest but I'll tell

126
00:06:48,920 --> 00:06:51,600
Speaker 1: you what I pay. Let me see calculated, because I

127
00:06:51,640 --> 00:06:53,880
Speaker 1: pay about fifteen thousand dollars for the year. But my

128
00:06:54,000 --> 00:06:57,599
Speaker 1: financial planner, certified financial planner, Ajulie doesn't just do me personally.

129
00:06:57,600 --> 00:07:00,960
Speaker 1: She also does my businesses. So thousand for all of

130
00:07:00,960 --> 00:07:05,560
Speaker 1: that divided by twelve o'kirl, fifteen thousand. I think I

131
00:07:05,640 --> 00:07:08,160
Speaker 1: pay in fifteen thousand, give or take, divided by twelve.

132
00:07:08,640 --> 00:07:13,119
Speaker 1: So for Angelie, that's twelve hundred and fifty dollars a month,

133
00:07:13,240 --> 00:07:16,320
Speaker 1: which sounds like a lot. But she does the Liberatary Academy.

134
00:07:16,320 --> 00:07:18,520
Speaker 1: In my business, she does the Budgetista, and she does me.

135
00:07:19,160 --> 00:07:22,320
Speaker 1: So that's for all three of us. So yeah, so

136
00:07:23,040 --> 00:07:24,600
Speaker 1: and so because of that, it's a write off for me.

137
00:07:24,960 --> 00:07:28,160
Speaker 1: So that's on the super high end. Yeah. So that's

138
00:07:28,200 --> 00:07:31,640
Speaker 1: what I would suggest for you to doctor divorce. And

139
00:07:32,880 --> 00:07:34,800
Speaker 1: I wouldn't want you to make a move with the

140
00:07:34,840 --> 00:07:37,080
Speaker 1: debt and the student loans until you sat with the

141
00:07:37,080 --> 00:07:40,800
Speaker 1: planner because it's important to understand holistically your life and

142
00:07:40,840 --> 00:07:43,760
Speaker 1: then they can help you decide with that two hundred thousand,

143
00:07:43,800 --> 00:07:48,360
Speaker 1: what's the best way to reduce your taxes, to minimize

144
00:07:48,360 --> 00:07:51,600
Speaker 1: your debt, and to move forward with your goals. Okay,

145
00:07:51,960 --> 00:07:54,040
Speaker 1: all right, well we're gonna take a quick break and

146
00:07:54,040 --> 00:07:57,880
Speaker 1: we're gonna be back with our second question. Y'all. We'll

147
00:07:57,880 --> 00:08:07,440
Speaker 1: be back okay, and I'm back and black and sweating child.

148
00:08:07,560 --> 00:08:10,559
Speaker 1: It is how under these lights, all of the lights. Okay,

149
00:08:11,800 --> 00:08:13,320
Speaker 1: we got someone. So if you don't want us to

150
00:08:13,320 --> 00:08:16,280
Speaker 1: say your name, please give us a fake name. So

151
00:08:17,600 --> 00:08:20,880
Speaker 1: she said you would call me Sash. Okay. My husband

152
00:08:20,920 --> 00:08:22,680
Speaker 1: and I have been married for five years and we

153
00:08:22,760 --> 00:08:25,880
Speaker 1: have a three year old Okay. I have always made

154
00:08:25,920 --> 00:08:28,160
Speaker 1: more money, which is very typical, like you know, people

155
00:08:28,160 --> 00:08:30,240
Speaker 1: don't want to say, but many, many, many women make

156
00:08:30,280 --> 00:08:33,400
Speaker 1: more money than their partners, and we split household bills

157
00:08:33,440 --> 00:08:37,920
Speaker 1: equitably given the income difference estimated seventy thousand dollars for

158
00:08:38,000 --> 00:08:40,560
Speaker 1: him versus one hundred and twenty five thousand dollars salary

159
00:08:40,600 --> 00:08:44,360
Speaker 1: for me. Okay, So what she means by equitably, it

160
00:08:44,480 --> 00:08:46,520
Speaker 1: just might mean like twenty percent of her income ghost

161
00:08:46,520 --> 00:08:48,520
Speaker 1: to bills and twenty percent of his income ghost to bills,

162
00:08:48,600 --> 00:08:52,400
Speaker 1: although the number might be different. Obviously it is. Unfortunately

163
00:08:52,440 --> 00:08:56,200
Speaker 1: our match is becoming increasingly strained. Ooh, and feel that

164
00:08:56,280 --> 00:08:58,440
Speaker 1: it may end. I'm sorry, to hear that while we

165
00:08:58,480 --> 00:09:00,560
Speaker 1: work through counseling to see if we can work it out,

166
00:09:01,000 --> 00:09:04,360
Speaker 1: I'm acutely aware that me making more may put me

167
00:09:04,679 --> 00:09:08,000
Speaker 1: at a disadvantage in divorce. Okay, what steps would you

168
00:09:08,040 --> 00:09:11,560
Speaker 1: recommend me to protect my savings that has been accumulating

169
00:09:11,640 --> 00:09:15,439
Speaker 1: largely before our marriage and completely from my own money,

170
00:09:15,480 --> 00:09:19,360
Speaker 1: Oh girl, In the event that the worst happens, I

171
00:09:19,400 --> 00:09:22,520
Speaker 1: want to ensure I can provide for my child comfortably, hopeful,

172
00:09:22,559 --> 00:09:26,040
Speaker 1: but pragmatic. So you're being really smart. Here's the thing.

173
00:09:27,120 --> 00:09:30,000
Speaker 1: So when my late husband and Najerill got married, you know,

174
00:09:30,000 --> 00:09:31,760
Speaker 1: I had already started the budgetist. I had already started

175
00:09:31,800 --> 00:09:36,480
Speaker 1: the literature academy. So I had a prenup because I said,

176
00:09:37,120 --> 00:09:38,840
Speaker 1: you know, although I loved him dearly, obviously that's why

177
00:09:38,920 --> 00:09:41,600
Speaker 1: we get married. I said, if something were to happen,

178
00:09:41,840 --> 00:09:45,720
Speaker 1: I didn't want that my businesses would be under fire,

179
00:09:46,320 --> 00:09:50,200
Speaker 1: and so we had a prenumtial agreement. So, as a result,

180
00:09:50,679 --> 00:09:55,160
Speaker 1: the prenumptial agreement basically stated that the stuff that I

181
00:09:55,200 --> 00:09:58,120
Speaker 1: brought into the marriage before getting married belongs to me,

182
00:09:58,720 --> 00:10:02,000
Speaker 1: when like my businesses and such, and the stuff that

183
00:10:02,000 --> 00:10:06,040
Speaker 1: he brought into the marriage belonged to him, like you know,

184
00:10:06,120 --> 00:10:09,120
Speaker 1: any money that he had set aside, and that anything

185
00:10:09,160 --> 00:10:11,319
Speaker 1: that happened during the marriage belongs to both of us.

186
00:10:11,520 --> 00:10:15,160
Speaker 1: And unfortunately, depending on where you live, that's likely going

187
00:10:15,160 --> 00:10:17,600
Speaker 1: to be the case that even though you have savings

188
00:10:17,640 --> 00:10:19,680
Speaker 1: from your own money when you're married, and no such

189
00:10:19,679 --> 00:10:22,360
Speaker 1: thing as your own money unless you have a prenum

190
00:10:22,440 --> 00:10:25,520
Speaker 1: stating that. This is my understanding. I'm not at a toorney.

191
00:10:26,480 --> 00:10:29,160
Speaker 1: So here's what I would do. Hold on, let me

192
00:10:29,200 --> 00:10:30,719
Speaker 1: go get the book. Actually have her with me. Who

193
00:10:30,800 --> 00:10:35,640
Speaker 1: was perfect. Oh okay, so I have this book. I'm

194
00:10:35,679 --> 00:10:38,760
Speaker 1: holding it up. If you're watching on YouTube, it would

195
00:10:38,800 --> 00:10:43,000
Speaker 1: be helpful. It's called financially Lit by Deanie Torres. We

196
00:10:43,040 --> 00:10:45,000
Speaker 1: actually had her on the show. Now here's the thing.

197
00:10:45,120 --> 00:10:48,840
Speaker 1: Denice went through a divorce. She was making significantly more

198
00:10:48,920 --> 00:10:53,079
Speaker 1: than her partner, and I would follow Denise J A

199
00:10:53,520 --> 00:10:57,439
Speaker 1: N N E S E. Taurus. I would follow Denise. Oh,

200
00:10:57,440 --> 00:11:02,040
Speaker 1: what is her name on? Her name is not? I

201
00:11:02,040 --> 00:11:04,880
Speaker 1: can't remember what her name is on Instagram. I was

202
00:11:04,880 --> 00:11:07,320
Speaker 1: just type in Jenny's torus. I can't remember what her

203
00:11:07,400 --> 00:11:11,600
Speaker 1: name is on Instagram. No, that's not her. It's not

204
00:11:11,640 --> 00:11:14,680
Speaker 1: Financially Lit Girl, What is your name? The Modern Latina's Guide?

205
00:11:15,360 --> 00:11:18,079
Speaker 1: Oh lord, I can't remember. But anyway, Denise went through

206
00:11:18,080 --> 00:11:21,520
Speaker 1: a divorce, it went in her favor. She, like you,

207
00:11:21,720 --> 00:11:24,439
Speaker 1: was worried about those things. So I would follow her

208
00:11:24,800 --> 00:11:27,640
Speaker 1: because I believe that she has created posts about how

209
00:11:27,640 --> 00:11:30,360
Speaker 1: she was able to navigate financially and come out ahead

210
00:11:30,960 --> 00:11:33,840
Speaker 1: despite you know, her making more money than her ex husband.

211
00:11:34,080 --> 00:11:36,840
Speaker 1: So and I think she might have even created aside

212
00:11:36,840 --> 00:11:38,680
Speaker 1: from her book Financially Lit, which I don't know if

213
00:11:38,679 --> 00:11:40,320
Speaker 1: it's out yet, but it might be. I think she

214
00:11:40,400 --> 00:11:44,199
Speaker 1: might have created some like tools and resources. But I

215
00:11:44,240 --> 00:11:47,040
Speaker 1: would follow look through some of her posts, especially some

216
00:11:47,080 --> 00:11:49,760
Speaker 1: of her later posts or her earlier posts, because she

217
00:11:49,800 --> 00:11:51,840
Speaker 1: talked about it a lot. I might even hit her up.

218
00:11:51,840 --> 00:11:55,680
Speaker 1: I'm not even gonna lie yeah and just say hey,

219
00:11:55,720 --> 00:11:58,200
Speaker 1: do you have anything, because she would be the perfect

220
00:11:58,240 --> 00:12:00,600
Speaker 1: person because she she was able to do so and

221
00:12:00,600 --> 00:12:04,200
Speaker 1: do so perfectly. You know, we love the Latinas around

222
00:12:04,200 --> 00:12:06,880
Speaker 1: here on the Brown Girls, So that's what I would do.

223
00:12:06,920 --> 00:12:14,319
Speaker 1: But just know that money that you accumulated like separately,

224
00:12:14,880 --> 00:12:17,200
Speaker 1: you know, like even while in the marriage, is considered

225
00:12:17,200 --> 00:12:23,160
Speaker 1: probably meritable marriage property, like collectively together, So I think

226
00:12:23,240 --> 00:12:25,320
Speaker 1: you are doing the smartest thing, which is to ask around.

227
00:12:25,559 --> 00:12:29,560
Speaker 1: I would also engage potentially in an attorney to ask

228
00:12:29,600 --> 00:12:33,800
Speaker 1: those things now too, because I too am pragmatic. That's

229
00:12:33,800 --> 00:12:35,599
Speaker 1: why as much as I loved my husband, I'll know

230
00:12:35,640 --> 00:12:38,120
Speaker 1: I love Superman down to the ground as much as

231
00:12:38,160 --> 00:12:40,320
Speaker 1: I loved him, I had a free nup because I

232
00:12:40,360 --> 00:12:43,319
Speaker 1: loved him so much. But I said, just in case,

233
00:12:44,360 --> 00:12:48,520
Speaker 1: just in case. So because I said, I'm still pragmatic

234
00:12:48,520 --> 00:12:50,840
Speaker 1: as well, because things happen. You can love somebody and

235
00:12:50,880 --> 00:12:53,400
Speaker 1: it just not work out or whatever. So one I

236
00:12:53,400 --> 00:12:56,400
Speaker 1: would be reaching out to an attorney just ask some

237
00:12:56,520 --> 00:12:58,520
Speaker 1: questions to say, like what things I can do based

238
00:12:58,559 --> 00:13:01,079
Speaker 1: upon your state, and then I would reach out to

239
00:13:01,160 --> 00:13:04,600
Speaker 1: Janice torres on Ig. I would follow her with some

240
00:13:04,640 --> 00:13:06,280
Speaker 1: of the things. Like I said, I'm almost positive when

241
00:13:06,280 --> 00:13:08,960
Speaker 1: she was going through her things that she was like

242
00:13:09,000 --> 00:13:10,880
Speaker 1: posting some tips and tricks, and if not, I was

243
00:13:10,920 --> 00:13:13,560
Speaker 1: side on her DMS because she is super chill, super nice,

244
00:13:13,600 --> 00:13:17,679
Speaker 1: super smart. Well, Sasha, I hope it does work out.

245
00:13:17,720 --> 00:13:24,240
Speaker 1: Because marriages can certainly be hard work a lot of effort.

246
00:13:24,679 --> 00:13:27,640
Speaker 1: It doesn't mean that just because something requires effort does

247
00:13:27,679 --> 00:13:30,480
Speaker 1: not mean that it's not a good thing. You know.

248
00:13:31,600 --> 00:13:33,679
Speaker 1: I pray that if you're wanting it to work out,

249
00:13:33,679 --> 00:13:35,120
Speaker 1: that it does work out, that this is just a

250
00:13:35,200 --> 00:13:37,680
Speaker 1: rough patch, if that's what you're wanting. But I also

251
00:13:37,720 --> 00:13:40,560
Speaker 1: pray that if it doesn't work out, that you have

252
00:13:40,760 --> 00:13:46,040
Speaker 1: prepositioned yourself for financial stability. You know. I don't think

253
00:13:46,040 --> 00:13:47,680
Speaker 1: there's anything wrong with that. I know some people are like, oh,

254
00:13:47,720 --> 00:13:49,400
Speaker 1: I'm here for life if you want a prenup, if

255
00:13:49,440 --> 00:13:51,800
Speaker 1: you and oh girl bye. Like I said, I love

256
00:13:51,880 --> 00:13:53,760
Speaker 1: my husband down to the ground. And we had a

257
00:13:53,760 --> 00:13:57,559
Speaker 1: prenumptial agreement because I just said, God forbid anything happened,

258
00:13:57,559 --> 00:14:01,679
Speaker 1: because anything can happen. God forbid anything can anything should happen.

259
00:14:01,880 --> 00:14:04,240
Speaker 1: I want to make sure that I'm protected, my businesses

260
00:14:04,280 --> 00:14:06,959
Speaker 1: are protected, and my future is protected. But it didn't

261
00:14:06,960 --> 00:14:10,280
Speaker 1: mean he was left out. We built things together. That absolutely.

262
00:14:10,320 --> 00:14:12,880
Speaker 1: We purchased homes together. We did, you know. And when

263
00:14:12,880 --> 00:14:15,120
Speaker 1: I say together, most of the money that we purchased

264
00:14:15,160 --> 00:14:17,520
Speaker 1: the homes with was me, not even most it was

265
00:14:17,960 --> 00:14:20,480
Speaker 1: my husband. The money that he made, because he made

266
00:14:20,480 --> 00:14:23,160
Speaker 1: significantly less than me, we put it toward the bills.

267
00:14:23,280 --> 00:14:24,840
Speaker 1: And then the money that I made, we saved and

268
00:14:24,880 --> 00:14:27,080
Speaker 1: we invested it, so our investment accounts we would have

269
00:14:27,120 --> 00:14:29,680
Speaker 1: had to split fifty to fifty and the homes purchased.

270
00:14:29,960 --> 00:14:32,160
Speaker 1: And I was okay with that because I said to myself, well,

271
00:14:32,160 --> 00:14:34,160
Speaker 1: this happened during the marriage, but I was not okay

272
00:14:34,320 --> 00:14:36,080
Speaker 1: with split in the business that I had created before

273
00:14:36,160 --> 00:14:38,840
Speaker 1: him if something were to have happened. You know. So

274
00:14:39,000 --> 00:14:40,920
Speaker 1: just like there's nothing wrong I think with being like

275
00:14:41,240 --> 00:14:44,320
Speaker 1: smart about as a woman about your money. Like I said,

276
00:14:44,320 --> 00:14:47,040
Speaker 1: I wish you well either way. If you have questions

277
00:14:47,520 --> 00:14:51,800
Speaker 1: like Sasha that you want answered about business, about money,

278
00:14:52,240 --> 00:14:56,720
Speaker 1: about career, about entrepreneurship, slide into the DMS brian A

279
00:14:56,800 --> 00:15:00,880
Speaker 1: Vision podcast on ig Brianna Vision pot Cast at gmail

280
00:15:00,920 --> 00:15:05,000
Speaker 1: dot com or go to a briannavisionpodcast dot com and

281
00:15:05,120 --> 00:15:10,400
Speaker 1: click contact me. I hope this was helpful. Oh and

282
00:15:10,440 --> 00:15:13,320
Speaker 1: I just wanted to say before I jump off. Oh man,

283
00:15:13,400 --> 00:15:16,760
Speaker 1: So today is the last day for our amazing, amazing

284
00:15:16,800 --> 00:15:21,960
Speaker 1: producer Emani. She is going off to greatness and she's

285
00:15:22,000 --> 00:15:24,960
Speaker 1: gonna producing her own show. So we wish her well.

286
00:15:25,080 --> 00:15:26,880
Speaker 1: She has been such a joy and a delight to

287
00:15:26,960 --> 00:15:30,000
Speaker 1: work with. This is just you know, we have been

288
00:15:30,360 --> 00:15:33,040
Speaker 1: just a stepping stone on her way to greatness. Honey,

289
00:15:33,720 --> 00:15:36,200
Speaker 1: we wish Emney well, you know certain you can slide

290
00:15:36,200 --> 00:15:39,560
Speaker 1: into DMS and tell her good luck on her future endeavors.

291
00:15:40,640 --> 00:15:42,280
Speaker 1: And you know we got you Miney's phone number, so

292
00:15:42,280 --> 00:15:43,520
Speaker 1: you know, you never know, we might have your money

293
00:15:43,560 --> 00:15:45,680
Speaker 1: back on the show to be talking about her journey

294
00:15:45,720 --> 00:15:51,880
Speaker 1: and such. Okay, all right, y'all until next week. Bye,