WEBVTT - Ain't Nothing Wrong With A Prenup

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<v Speaker 1>It's time for the b a q a A to

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<v Speaker 1>b a q a what you say, it'd be a

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<v Speaker 1>q a just sit the nick the b a q

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<v Speaker 1>a no man day today, y'all just got me. That's okay, girl.

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<v Speaker 1>So if you have questions, we have answers. But remember

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<v Speaker 1>we are not your mother, not your father, not your sister,

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<v Speaker 1>but your frian. So that means I know your financial advisor,

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<v Speaker 1>your doctor, your attorney. That means whatever advice I give,

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<v Speaker 1>it's not only advice. It's just a grain of salt.

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<v Speaker 1>So sue your grandma, not us, and leaning to the

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<v Speaker 1>people that you pay for the final set. Okay. So

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<v Speaker 1>if you have questions, you're gonna go to Brand Ambition

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<v Speaker 1>Podcasts at gmail dot com or Brandhambition podcast dot com

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<v Speaker 1>click contact us, or my favorite Brand Ambition podcast on

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<v Speaker 1>Instagram sliding the dms, and we will answer as many

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<v Speaker 1>questions as possible about money, about career, about business. We

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<v Speaker 1>got two questions today. First one is from Doctor Divorce. Okay, Hello,

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<v Speaker 1>beautiful ladies. I'm such a fan of your show and

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<v Speaker 1>love the both of you so much. I'm got some

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<v Speaker 1>law of your success. Thank you, girl. I divorced in

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<v Speaker 1>twenty nineteen, and I'm still dealing with the financial aftermath. Yes,

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<v Speaker 1>I'm finally approaching the settlement wow, the sale of two

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<v Speaker 1>properties woof which will result in over two hundred thousand

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<v Speaker 1>dollars for my share. I have been researching how to

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<v Speaker 1>avoid property gains tax. But I'm not of real estate pro. Okay.

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<v Speaker 1>I purchased the first home when I was single at

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<v Speaker 1>twenty four years old, and later added my ex husband, Ah,

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<v Speaker 1>she has a clown emoji and a crying emoji. That's

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<v Speaker 1>not that doesn't make you a clown girl. He was married.

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<v Speaker 1>So I'm feeling a little burned. I just want to

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<v Speaker 1>make a good decision moving forward so that this money

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<v Speaker 1>can grow. I'm now a single mother of one son.

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<v Speaker 1>I'm currently about thirty thousand dollars and dad plus student loans.

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<v Speaker 1>I have depleted all of my savings on legal fees.

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<v Speaker 1>My plan is to contact a financial advisor. But in

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<v Speaker 1>the meantime, can you ladies throw some ideas my way? Okay,

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<v Speaker 1>I too, am not a real estate pro. What you

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<v Speaker 1>are going to need, divorce doctor, divorce A is you

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<v Speaker 1>absolutely you need two people. You need an accountant asap,

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<v Speaker 1>and you need a financial advisor, because an accountant is

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<v Speaker 1>going to be able to tell you, like how do

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<v Speaker 1>you minimize capital gains tax? And that's when basically you've

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<v Speaker 1>made money on an investment, you know, you sold your

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<v Speaker 1>home and they are taxes that have to be paid.

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<v Speaker 1>I don't know when you wrote this in, but you're

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<v Speaker 1>gonna want to sit with a accountant and in conjunction

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<v Speaker 1>with your financial advisor. So a great place to find

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<v Speaker 1>a financial advisor. I actually started this free matching program.

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<v Speaker 1>Go to is it your money I always forget I

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<v Speaker 1>think it's your your money yep. Go to your moneymatch

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<v Speaker 1>dot com? Oh oh child, want is it down? Maybe

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<v Speaker 1>it's not your money match. Let's see is it my

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<v Speaker 1>money match? No child? Ugh the ghetto. But by the

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<v Speaker 1>time you you go, it should be up. I don't know.

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<v Speaker 1>Well anyway, your moneymatch dot Com. Oh yeah, so it

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<v Speaker 1>is your money match dot Com. But for some reason,

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<v Speaker 1>my computer is saying it's down, which it should not

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<v Speaker 1>be because it's on my website. They're playing. But go to

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<v Speaker 1>your moneymatch dot com and you may make myself a list.

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<v Speaker 1>You will be able to fill out this kind of questionnaire,

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<v Speaker 1>a quick questionnaire, and it will match you up to

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<v Speaker 1>three financial advisors based upon this kind of questionnaire and

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<v Speaker 1>figuring out what do you need? Okay, hey, ba fan,

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<v Speaker 1>we're gonna take a quick break and we'll be right back.

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<v Speaker 1>So that is a good place to start looking for

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<v Speaker 1>a financial advisor. We partner with this company called wealth

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<v Speaker 1>Ramp to match you with certified financial planners only. That

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<v Speaker 1>is key. Doctor Duvore said, you want to see s

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<v Speaker 1>P c FP Certified financial Planner. What is that? A

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<v Speaker 1>certified financial planner is the gold star for all financial advisors.

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<v Speaker 1>I want you to think of a financial advisors like

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<v Speaker 1>saying I'm a teacher. That's great, But a CFP is

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<v Speaker 1>like saying I am a I am a what is

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<v Speaker 1>it called? Like? Not just a teacher, I am a

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<v Speaker 1>college professor with their doctorate. It is the top tier

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<v Speaker 1>of teachers. Certified financial planner because one, they have to

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<v Speaker 1>take all these tests and all these things. They also

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<v Speaker 1>have to do continued education, and they have to be

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<v Speaker 1>a fiduciary, which they really all have to be, which

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<v Speaker 1>means they have to put you, put you first. I

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<v Speaker 1>got to put you for solutions, right, and so yeah,

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<v Speaker 1>you want a certify financial planner. But that's why I

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<v Speaker 1>like working with Ralph Ramp. Get your money match, go

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<v Speaker 1>to your moneymatch dot com because it's important that you

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<v Speaker 1>know what questions the ask. So I give you all

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<v Speaker 1>these free resources that even after you get matched, the

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<v Speaker 1>questions to ask how to prepare? All that is free

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<v Speaker 1>at your moneymatch dot com. Obviously, working with the financial

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<v Speaker 1>planner is not free, but the tool that I give

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<v Speaker 1>you is free, which is really things some things to consider.

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<v Speaker 1>I personally don't like paying a financial planner as au M,

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<v Speaker 1>which is assets under management that means they get a

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<v Speaker 1>percentage of the assets they manage for you, because that

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<v Speaker 1>gets to be very expensive. I'd rather pay out of pocket.

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<v Speaker 1>You know. Also too, what I look like about certified

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<v Speaker 1>financial planners is they don't sell you, like insurance and

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<v Speaker 1>things like that. You don't want to financial planners that's

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<v Speaker 1>going to be selling you stuff because that's a salesperson,

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<v Speaker 1>not a certified financial planner, because oftentimes people will sell

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<v Speaker 1>you things that are that will make money for them,

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<v Speaker 1>like don't even come for me for you financial Advisor's girl,

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<v Speaker 1>because my block game is strong, like whole life insurance,

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<v Speaker 1>which is largely a poor fit for most people. You

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<v Speaker 1>pay seven hundred dollars a month for a million dollar

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<v Speaker 1>policy when you could be paying forty dollars a month

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<v Speaker 1>for a term policy for thirty years as an average

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<v Speaker 1>forty year one who doesn't smoke, and that six hundred

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<v Speaker 1>and fifty sixty bucks you could be investing, you know.

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<v Speaker 1>So so some financial advisors will be selling you that

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<v Speaker 1>because they get so much money on the back end.

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<v Speaker 1>They don't get much money with term. So that's why

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<v Speaker 1>I want you a certified financial planner. They're not selling

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<v Speaker 1>you anything. I prefer you pay out of pocket. You

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<v Speaker 1>can pay monthly. You could even just pay for a plan,

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<v Speaker 1>you know, like you don't even have to if you

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<v Speaker 1>don't want to work with them for a year. You

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<v Speaker 1>could just say how much to work with you for

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<v Speaker 1>this particular situation. You know. Sometimes you they're like, oh,

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<v Speaker 1>this is a three month process and it might cost you,

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<v Speaker 1>say fifteen hundred, two thousand dollars or whatever. Just so

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<v Speaker 1>you know the math. You could pay on the low

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<v Speaker 1>end for financial plan if you are going to pay monthly,

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<v Speaker 1>you're looking at like five hundred bucks a month. On

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<v Speaker 1>the high end. I want to say, well, I don't

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<v Speaker 1>know if this is not the highest but I'll tell

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<v Speaker 1>you what I pay. Let me see calculated, because I

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<v Speaker 1>pay about fifteen thousand dollars for the year. But my

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<v Speaker 1>financial planner, certified financial planner, Ajulie doesn't just do me personally.

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<v Speaker 1>She also does my businesses. So thousand for all of

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<v Speaker 1>that divided by twelve o'kirl, fifteen thousand. I think I

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<v Speaker 1>pay in fifteen thousand, give or take, divided by twelve.

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<v Speaker 1>So for Angelie, that's twelve hundred and fifty dollars a month,

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<v Speaker 1>which sounds like a lot. But she does the Liberatary Academy.

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<v Speaker 1>In my business, she does the Budgetista, and she does me.

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<v Speaker 1>So that's for all three of us. So yeah, so

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<v Speaker 1>and so because of that, it's a write off for me.

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<v Speaker 1>So that's on the super high end. Yeah. So that's

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<v Speaker 1>what I would suggest for you to doctor divorce. And

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<v Speaker 1>I wouldn't want you to make a move with the

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<v Speaker 1>debt and the student loans until you sat with the

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<v Speaker 1>planner because it's important to understand holistically your life and

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<v Speaker 1>then they can help you decide with that two hundred thousand,

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<v Speaker 1>what's the best way to reduce your taxes, to minimize

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<v Speaker 1>your debt, and to move forward with your goals. Okay,

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<v Speaker 1>all right, well we're gonna take a quick break and

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<v Speaker 1>we're gonna be back with our second question. Y'all. We'll

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<v Speaker 1>be back okay, and I'm back and black and sweating child.

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<v Speaker 1>It is how under these lights, all of the lights. Okay,

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<v Speaker 1>we got someone. So if you don't want us to

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<v Speaker 1>say your name, please give us a fake name. So

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<v Speaker 1>she said you would call me Sash. Okay. My husband

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<v Speaker 1>and I have been married for five years and we

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<v Speaker 1>have a three year old Okay. I have always made

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<v Speaker 1>more money, which is very typical, like you know, people

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<v Speaker 1>don't want to say, but many, many, many women make

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<v Speaker 1>more money than their partners, and we split household bills

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<v Speaker 1>equitably given the income difference estimated seventy thousand dollars for

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<v Speaker 1>him versus one hundred and twenty five thousand dollars salary

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<v Speaker 1>for me. Okay, So what she means by equitably, it

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<v Speaker 1>just might mean like twenty percent of her income ghost

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<v Speaker 1>to bills and twenty percent of his income ghost to bills,

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<v Speaker 1>although the number might be different. Obviously it is. Unfortunately

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<v Speaker 1>our match is becoming increasingly strained. Ooh, and feel that

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<v Speaker 1>it may end. I'm sorry, to hear that while we

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<v Speaker 1>work through counseling to see if we can work it out,

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<v Speaker 1>I'm acutely aware that me making more may put me

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<v Speaker 1>at a disadvantage in divorce. Okay, what steps would you

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<v Speaker 1>recommend me to protect my savings that has been accumulating

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<v Speaker 1>largely before our marriage and completely from my own money,

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<v Speaker 1>Oh girl, In the event that the worst happens, I

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<v Speaker 1>want to ensure I can provide for my child comfortably, hopeful,

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<v Speaker 1>but pragmatic. So you're being really smart. Here's the thing.

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<v Speaker 1>So when my late husband and Najerill got married, you know,

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<v Speaker 1>I had already started the budgetist. I had already started

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<v Speaker 1>the literature academy. So I had a prenup because I said,

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<v Speaker 1>you know, although I loved him dearly, obviously that's why

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<v Speaker 1>we get married. I said, if something were to happen,

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<v Speaker 1>I didn't want that my businesses would be under fire,

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<v Speaker 1>and so we had a prenumtial agreement. So, as a result,

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<v Speaker 1>the prenumptial agreement basically stated that the stuff that I

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<v Speaker 1>brought into the marriage before getting married belongs to me,

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<v Speaker 1>when like my businesses and such, and the stuff that

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<v Speaker 1>he brought into the marriage belonged to him, like you know,

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<v Speaker 1>any money that he had set aside, and that anything

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<v Speaker 1>that happened during the marriage belongs to both of us.

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<v Speaker 1>And unfortunately, depending on where you live, that's likely going

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<v Speaker 1>to be the case that even though you have savings

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<v Speaker 1>from your own money when you're married, and no such

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<v Speaker 1>thing as your own money unless you have a prenum

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<v Speaker 1>stating that. This is my understanding. I'm not at a toorney.

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<v Speaker 1>So here's what I would do. Hold on, let me

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<v Speaker 1>go get the book. Actually have her with me. Who

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<v Speaker 1>was perfect. Oh okay, so I have this book. I'm

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<v Speaker 1>holding it up. If you're watching on YouTube, it would

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<v Speaker 1>be helpful. It's called financially Lit by Deanie Torres. We

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<v Speaker 1>actually had her on the show. Now here's the thing.

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<v Speaker 1>Denice went through a divorce. She was making significantly more

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<v Speaker 1>than her partner, and I would follow Denise J A

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<v Speaker 1>N N E S E. Taurus. I would follow Denise. Oh,

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<v Speaker 1>what is her name on? Her name is not? I

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<v Speaker 1>can't remember what her name is on Instagram. I was

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<v Speaker 1>just type in Jenny's torus. I can't remember what her

0:11:07.400 --> 0:11:11.600
<v Speaker 1>name is on Instagram. No, that's not her. It's not

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<v Speaker 1>Financially Lit Girl, What is your name? The Modern Latina's Guide?

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<v Speaker 1>Oh lord, I can't remember. But anyway, Denise went through

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<v Speaker 1>a divorce, it went in her favor. She, like you,

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<v Speaker 1>was worried about those things. So I would follow her

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<v Speaker 1>because I believe that she has created posts about how

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<v Speaker 1>she was able to navigate financially and come out ahead

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<v Speaker 1>despite you know, her making more money than her ex husband.

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<v Speaker 1>So and I think she might have even created aside

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<v Speaker 1>from her book Financially Lit, which I don't know if

0:11:38.679 --> 0:11:40.320
<v Speaker 1>it's out yet, but it might be. I think she

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<v Speaker 1>might have created some like tools and resources. But I

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<v Speaker 1>would follow look through some of her posts, especially some

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<v Speaker 1>of her later posts or her earlier posts, because she

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<v Speaker 1>talked about it a lot. I might even hit her up.

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<v Speaker 1>I'm not even gonna lie yeah and just say hey,

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<v Speaker 1>do you have anything, because she would be the perfect

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<v Speaker 1>person because she she was able to do so and

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<v Speaker 1>do so perfectly. You know, we love the Latinas around

0:12:04.200 --> 0:12:06.880
<v Speaker 1>here on the Brown Girls, So that's what I would do.

0:12:06.920 --> 0:12:14.319
<v Speaker 1>But just know that money that you accumulated like separately,

0:12:14.880 --> 0:12:17.200
<v Speaker 1>you know, like even while in the marriage, is considered

0:12:17.200 --> 0:12:23.160
<v Speaker 1>probably meritable marriage property, like collectively together, So I think

0:12:23.240 --> 0:12:25.320
<v Speaker 1>you are doing the smartest thing, which is to ask around.

0:12:25.559 --> 0:12:29.560
<v Speaker 1>I would also engage potentially in an attorney to ask

0:12:29.600 --> 0:12:33.800
<v Speaker 1>those things now too, because I too am pragmatic. That's

0:12:33.800 --> 0:12:35.599
<v Speaker 1>why as much as I loved my husband, I'll know

0:12:35.640 --> 0:12:38.120
<v Speaker 1>I love Superman down to the ground as much as

0:12:38.160 --> 0:12:40.320
<v Speaker 1>I loved him, I had a free nup because I

0:12:40.360 --> 0:12:43.319
<v Speaker 1>loved him so much. But I said, just in case,

0:12:44.360 --> 0:12:48.520
<v Speaker 1>just in case. So because I said, I'm still pragmatic

0:12:48.520 --> 0:12:50.840
<v Speaker 1>as well, because things happen. You can love somebody and

0:12:50.880 --> 0:12:53.400
<v Speaker 1>it just not work out or whatever. So one I

0:12:53.400 --> 0:12:56.400
<v Speaker 1>would be reaching out to an attorney just ask some

0:12:56.520 --> 0:12:58.520
<v Speaker 1>questions to say, like what things I can do based

0:12:58.559 --> 0:13:01.079
<v Speaker 1>upon your state, and then I would reach out to

0:13:01.160 --> 0:13:04.600
<v Speaker 1>Janice torres on Ig. I would follow her with some

0:13:04.640 --> 0:13:06.280
<v Speaker 1>of the things. Like I said, I'm almost positive when

0:13:06.280 --> 0:13:08.960
<v Speaker 1>she was going through her things that she was like

0:13:09.000 --> 0:13:10.880
<v Speaker 1>posting some tips and tricks, and if not, I was

0:13:10.920 --> 0:13:13.560
<v Speaker 1>side on her DMS because she is super chill, super nice,

0:13:13.600 --> 0:13:17.679
<v Speaker 1>super smart. Well, Sasha, I hope it does work out.

0:13:17.720 --> 0:13:24.240
<v Speaker 1>Because marriages can certainly be hard work a lot of effort.

0:13:24.679 --> 0:13:27.640
<v Speaker 1>It doesn't mean that just because something requires effort does

0:13:27.679 --> 0:13:30.480
<v Speaker 1>not mean that it's not a good thing. You know.

0:13:31.600 --> 0:13:33.679
<v Speaker 1>I pray that if you're wanting it to work out,

0:13:33.679 --> 0:13:35.120
<v Speaker 1>that it does work out, that this is just a

0:13:35.200 --> 0:13:37.680
<v Speaker 1>rough patch, if that's what you're wanting. But I also

0:13:37.720 --> 0:13:40.560
<v Speaker 1>pray that if it doesn't work out, that you have

0:13:40.760 --> 0:13:46.040
<v Speaker 1>prepositioned yourself for financial stability. You know. I don't think

0:13:46.040 --> 0:13:47.680
<v Speaker 1>there's anything wrong with that. I know some people are like, oh,

0:13:47.720 --> 0:13:49.400
<v Speaker 1>I'm here for life if you want a prenup, if

0:13:49.440 --> 0:13:51.800
<v Speaker 1>you and oh girl bye. Like I said, I love

0:13:51.880 --> 0:13:53.760
<v Speaker 1>my husband down to the ground. And we had a

0:13:53.760 --> 0:13:57.559
<v Speaker 1>prenumptial agreement because I just said, God forbid anything happened,

0:13:57.559 --> 0:14:01.679
<v Speaker 1>because anything can happen. God forbid anything can anything should happen.

0:14:01.880 --> 0:14:04.240
<v Speaker 1>I want to make sure that I'm protected, my businesses

0:14:04.280 --> 0:14:06.959
<v Speaker 1>are protected, and my future is protected. But it didn't

0:14:06.960 --> 0:14:10.280
<v Speaker 1>mean he was left out. We built things together. That absolutely.

0:14:10.320 --> 0:14:12.880
<v Speaker 1>We purchased homes together. We did, you know. And when

0:14:12.880 --> 0:14:15.120
<v Speaker 1>I say together, most of the money that we purchased

0:14:15.160 --> 0:14:17.520
<v Speaker 1>the homes with was me, not even most it was

0:14:17.960 --> 0:14:20.480
<v Speaker 1>my husband. The money that he made, because he made

0:14:20.480 --> 0:14:23.160
<v Speaker 1>significantly less than me, we put it toward the bills.

0:14:23.280 --> 0:14:24.840
<v Speaker 1>And then the money that I made, we saved and

0:14:24.880 --> 0:14:27.080
<v Speaker 1>we invested it, so our investment accounts we would have

0:14:27.120 --> 0:14:29.680
<v Speaker 1>had to split fifty to fifty and the homes purchased.

0:14:29.960 --> 0:14:32.160
<v Speaker 1>And I was okay with that because I said to myself, well,

0:14:32.160 --> 0:14:34.160
<v Speaker 1>this happened during the marriage, but I was not okay

0:14:34.320 --> 0:14:36.080
<v Speaker 1>with split in the business that I had created before

0:14:36.160 --> 0:14:38.840
<v Speaker 1>him if something were to have happened. You know. So

0:14:39.000 --> 0:14:40.920
<v Speaker 1>just like there's nothing wrong I think with being like

0:14:41.240 --> 0:14:44.320
<v Speaker 1>smart about as a woman about your money. Like I said,

0:14:44.320 --> 0:14:47.040
<v Speaker 1>I wish you well either way. If you have questions

0:14:47.520 --> 0:14:51.800
<v Speaker 1>like Sasha that you want answered about business, about money,

0:14:52.240 --> 0:14:56.720
<v Speaker 1>about career, about entrepreneurship, slide into the DMS brian A

0:14:56.800 --> 0:15:00.880
<v Speaker 1>Vision podcast on ig Brianna Vision pot Cast at gmail

0:15:00.920 --> 0:15:05.000
<v Speaker 1>dot com or go to a briannavisionpodcast dot com and

0:15:05.120 --> 0:15:10.400
<v Speaker 1>click contact me. I hope this was helpful. Oh and

0:15:10.440 --> 0:15:13.320
<v Speaker 1>I just wanted to say before I jump off. Oh man,

0:15:13.400 --> 0:15:16.760
<v Speaker 1>So today is the last day for our amazing, amazing

0:15:16.800 --> 0:15:21.960
<v Speaker 1>producer Emani. She is going off to greatness and she's

0:15:22.000 --> 0:15:24.960
<v Speaker 1>gonna producing her own show. So we wish her well.

0:15:25.080 --> 0:15:26.880
<v Speaker 1>She has been such a joy and a delight to

0:15:26.960 --> 0:15:30.000
<v Speaker 1>work with. This is just you know, we have been

0:15:30.360 --> 0:15:33.040
<v Speaker 1>just a stepping stone on her way to greatness. Honey,

0:15:33.720 --> 0:15:36.200
<v Speaker 1>we wish Emney well, you know certain you can slide

0:15:36.200 --> 0:15:39.560
<v Speaker 1>into DMS and tell her good luck on her future endeavors.

0:15:40.640 --> 0:15:42.280
<v Speaker 1>And you know we got you Miney's phone number, so

0:15:42.280 --> 0:15:43.520
<v Speaker 1>you know, you never know, we might have your money

0:15:43.560 --> 0:15:45.680
<v Speaker 1>back on the show to be talking about her journey

0:15:45.720 --> 0:15:51.880
<v Speaker 1>and such. Okay, all right, y'all until next week. Bye,