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Speaker 1: Mandra, Do you know what I need? I need to

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Speaker 1: walk in these streets in my BA swag. You know

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Speaker 1: what I'm really looking forward to? First of all, be

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Speaker 1: your own Brown Boost. What an awesome phrase. I cannot

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Speaker 1: wait to wear that on my chest like Superman. And

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Speaker 1: what I'm really excited for, though, is I am a

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Speaker 1: sweatshirt and like hoodie girl. So the classic Brown Ambition

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Speaker 1: logo sweatshirt has my name all over it. But where

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Speaker 1: can I go? Where can I find it?

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Speaker 2: I was hoping you would ask Young Tiffany. Tiffany, get

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Speaker 2: your Brown Ambition swag at Brown Ambitionstore dot com. Five

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Speaker 2: years in the game, we finally have merch for you guys.

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Speaker 2: So get your Brown Ambition hoodie, your Brown Ambition crew

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Speaker 2: neck tea, get a onesie for your littles. We got

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Speaker 2: toddler teas. Oh my goodness, there's something for everyone. Be

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Speaker 2: your own Brown Boost T shirt for sure. We have

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Speaker 2: a Brown Ambition mug, which my family is most excited about.

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Speaker 2: I had to do the fifteen out size for my

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Speaker 2: big sister because she drinks coffee Like nobody's business.

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Speaker 1: Oh you know, I'm the budget nesh to write any

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Speaker 1: special offer.

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Speaker 2: I'm also very glad you asked that question, Tiffany. Yes,

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Speaker 2: with Brown Ambition fifteen, that's promo code Brown Ambition fifteen

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Speaker 2: all one word, you can get fifteen percent off your

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Speaker 2: order at Brown ambitionstore dot com.

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Speaker 1: I can't wait to see y'all in these BA streets

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Speaker 1: repping BA bam with your BA swag.

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Speaker 2: Hey, Hey hey.

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Speaker 1: We're back, We're black, We're Brown Ambition.

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Speaker 2: Hey, hey came to eat you a lot.

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Speaker 1: Yes, you know, when you're like so tired, you're like delirious.

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Speaker 1: So that's where I am right now. I am in delirium.

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Speaker 1: It's been a very big day.

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Speaker 2: That is a feeling that I think for sure I

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Speaker 2: know deeply what's going on. A tour, A tour EXTRAORDINAI

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Speaker 2: well said, Tiffany.

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Speaker 1: Today's a Today was a good day. Well, no, today

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Speaker 1: I dropped the cover. So I don't know if I

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Speaker 1: mentioned it on BA with BA fan. But I've been

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Speaker 1: writing a book for the last I don't even know

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Speaker 1: what is it, like, you know, since twenty twenty, so

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Speaker 1: how many twenty years? Because twenty years fits into this

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Speaker 1: twenty year? Well, yeah, I signed a big book deal

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Speaker 1: with Penguin Random House earlier this year, and I got

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Speaker 1: to writing, and I already had an idea of something

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Speaker 1: that I call financial holeness. It's like these ten key

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Speaker 1: components that you need to achieve, almost like financial well,

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Speaker 1: I call it financial holeness. Like so it's like it

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Speaker 1: helps you to live your better life, achieve your biggest goals,

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Speaker 1: and to really live a richer life. Because I feel

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Speaker 1: like financial freedom is is a big fat lie. And

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Speaker 1: I never felt comfortable preaching financial freedom to my dream

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Speaker 1: catchers because I knew damn well that most people were

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Speaker 1: not going to attain financial freedom, which most people define

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Speaker 1: as having enough money. Well, I don't have to work

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Speaker 1: right now, you know, so they don't even I don't

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Speaker 1: think people think of like retirement as financial freedom. They

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Speaker 1: think on financial freedom as like a pile of money.

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Speaker 1: I ain't got to work. I'm thirty, you know. And

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Speaker 1: that's cool for some people. But I felt like it

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Speaker 1: felt exclusive and elusive, and so I came up with

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Speaker 1: financial wholeness, which everyone can achieve, whether you're a mechanic,

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Speaker 1: a doctor, a teacher, NBA player, That it's ten components

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Speaker 1: that you just have to get under control and you

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Speaker 1: can be okay financially. And so I wrote a book

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Speaker 1: about it called Get Good with Money. I posted it

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Speaker 1: on my socials. You're my ig. You should see it today.

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Speaker 1: I mean it'll be up there, like you know, indefinitely.

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Speaker 1: I'm just really proud of it, Mandra and today it

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Speaker 1: just oh so. What I'm really proud of too, is

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Speaker 1: that I created a quiz because some people are like, well,

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Speaker 1: how do I know what percentage of financial holeness? I am,

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Speaker 1: so I created this quiz where you take it. It's

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Speaker 1: two minutes, ten questions, and by the end you will

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Speaker 1: know what percentage of financial hollness You've already accomplished. And

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Speaker 1: I sent you like a little freebe a checklist to

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Speaker 1: see like what you have left to do? And then

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Speaker 1: you know in March twenty twenty one when the book

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Speaker 1: comes out, I can help you on that journey if

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Speaker 1: you want to take that.

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Speaker 2: Can your quiz? Tell me what wholeness means? From my horoscope,

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Speaker 2: we should align with quizes.

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Speaker 1: Yeah, I know, I'm like, what Potato are you? I

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Speaker 1: always take those bud Fees quiz. It's like what Disney

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Speaker 1: Princess are you? If you like this house? But if

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Speaker 1: you want to take the quiz. The book is called

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Speaker 1: Get Good with Money and so the website is GGW

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Speaker 1: money dot com forget Good with GGW money dot com.

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Speaker 1: Take the two minute quiz and honestly tweet us like

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Speaker 1: or igs, I would love to know your financial homeless percentage.

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Speaker 1: Screenshot it, share it, tag us ba podcket, What are

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Speaker 1: we on?

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Speaker 2: I do again? Just look up Round Ambition Brown Ambition

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Speaker 2: podcast on ID and Man's Present. But I just hear

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Speaker 2: the racket happening.

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Speaker 1: Upstairs on the Bunjanisa and Mandy's Mandy Money. So tag

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Speaker 1: us we would love to see we're percentage of financial

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Speaker 1: homeless that you've achieved. But when I tell you the

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Speaker 1: level of you know how you just work so hard.

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Speaker 1: I feel like it's like the night of the play.

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Speaker 1: You know, you've worked for months and months and months

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Speaker 1: and months and and costume and makeup and this and

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Speaker 1: that and today is showtime, and so I'm just well, I.

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Speaker 2: Know, I mean, you talked about this, you know, off air,

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Speaker 2: but it definitely seemed like such a labor of love.

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Speaker 2: And I'm so proud of you and I'm happy for

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Speaker 2: this to be out in the world. When does it

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Speaker 2: come out again? Is it next? Bring?

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Speaker 1: So it comes out March twenty twenty one, the end

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Speaker 1: of March twenty twenty one.

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Speaker 2: So I'm going to get that book and my vaccine

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Speaker 2: in the same shopping trip. That's my plan. They're both

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Speaker 2: supposed to come out in the spring. Yeah, I just.

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Speaker 1: I think that, like you say, wait, you say you're

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Speaker 1: going to get that book in your vaccine.

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Speaker 2: Yes, I wondered if you caught that. Wasn't that funny?

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Speaker 2: I was gonna be like Kelly, I made a joke

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Speaker 2: and tippy four minute mark? Can you cut that out

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Speaker 2: so people don't hitty me?

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Speaker 1: No? Are you only got to get vaccine? I'm nervous?

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Speaker 2: Oh up at the vaccine? I mean I I'll I'll

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Speaker 2: take Kamala Harris's line from the vice presidential debate when

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Speaker 2: she said, you know, if the scientists say it's okay,

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Speaker 2: then I'll take it. We did have another what was

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Speaker 2: it moderna today, and already Pfizer have released preliminary results

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Speaker 2: from their trials and they've been over ninety percent successful.

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Speaker 2: And all of the podcasts that I've listened to, news

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Speaker 2: and politics podcasts that have had scientists, you know, or

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Speaker 2: political or like scientific reporters talking about it have all

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Speaker 2: been like blown away by that figure ninety percent. So

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Speaker 2: I mean it sounds pretty good. But even if you

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Speaker 2: want to be first, I don't think you will be

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Speaker 2: unless you are like a first line you know, like

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Speaker 2: a nurse or someone operating, you know, on the front lines,

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Speaker 2: as they say, of the pandemic. I mean I would

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Speaker 2: like to get one, or at least I'm definitely open

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Speaker 2: to it. Yeah, I believe in science, i'd be down.

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Speaker 2: Plus by then we'll have a different president and I'll

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Speaker 2: trust some stuff again.

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Speaker 1: Yeah that's true.

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Speaker 2: Yeah, it's no joke though. I mean, well, I don't

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Speaker 2: want to take the shine away from none of your book, girl.

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Speaker 1: I want to tell you I am just one of

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Speaker 1: those days where we put in so much work. The

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Speaker 1: team and I were scrambled like up until the last minute,

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Speaker 1: like when you guys take the quiz, if you just

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Speaker 1: knew how much work and went into it, because I

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Speaker 1: really wanted to give people like a real scope of

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Speaker 1: like what is it that you need to do as

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Speaker 1: an adult to be okay? You know? And so I

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Speaker 1: mean I must have rewrote that quiz like fifty eleven times.

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Speaker 1: It was like vetted by everyone on the team and

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Speaker 1: taken again and again and again and again and again Andy,

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Speaker 1: where did it? Just the level of work that we

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Speaker 1: put in. And then today, you know, like when it's

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Speaker 1: showtime Synergy the it's like everyone's doing even more work.

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Speaker 1: So I and tapped out, but I got just random aside.

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Speaker 1: Someone texts me and said, Tiffany, you know you I

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Speaker 1: had an awakening. I heard what you said about, you know,

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Speaker 1: looking for your therapists using a therapist finder, and it

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Speaker 1: just it hit me and I realized, like, you know,

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Speaker 1: I've been avoiding finding a therapist, and I too don't

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Speaker 1: experience super highs or super lows due to some trauma,

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Speaker 1: and I want to boom beyond it. And I just

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Speaker 1: thought like that's so beautiful and so and then the

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Speaker 1: therapist finder, Stephanie, reached out. She's like, oh my gosh,

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Speaker 1: my friend told me that, you know, you talked about

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Speaker 1: me on your podcast, and just like thank you so much.

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Speaker 1: And it was just like such a lovey dovey day.

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Speaker 1: And remember I talked about my friend Christina Aguilera and

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Speaker 1: you were like, oh, her name right, But I don't

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Speaker 1: know if the young woman that is a you know,

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Speaker 1: the the paralegal that was mistreated where she was. Christina

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Speaker 1: was like, girl, tell her to reach out to me.

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Speaker 1: So paralegal, who set your question? And we answered it.

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Speaker 1: Christina is like, yo, let me help you. She is

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Speaker 1: wide open to help. So isn't that awesome news?

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Speaker 2: That was a lot. Well, let's see so one last

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Speaker 2: week's show, just to just to I'm following the thread,

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Speaker 2: but I'm trying to help yell out. It's been a week.

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Speaker 1: But I'm manic right now, so my bad.

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Speaker 2: It's okay. I am here to fill in the gaps there. Yeah.

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Speaker 2: So last week we had a question from listener Sandra,

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Speaker 2: and we actually got so basically, her issue was that

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Speaker 2: she had been let go from her law firm after

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Speaker 2: just a couple of weeks and was asking and really

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Speaker 2: felt like she was discriminated against because she was black.

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Speaker 2: She's from Saint Louis, Missouri, and she was basically asking like,

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Speaker 2: if you know anybody who needs a paralegal or something

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Speaker 2: like that in my area, let us know. And I'm

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Speaker 2: glad that you know your friend reached out, Tiff, because

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Speaker 2: we also got i think two or three two or

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Speaker 2: three messages from other listeners offering to help Sandra, which

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Speaker 2: is not her real name, I think we changed it

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Speaker 2: for the show. So if you're listening, Sandra, you know,

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Speaker 2: you know what your real name is, and hit us

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Speaker 2: up on Brown Ambitions, Instagram and the DMS, and I

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Speaker 2: will try to connect everybody and shout out to our

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Speaker 2: listeners for being so awesome and help y. Yeah, well

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Speaker 2: that's beautiful. I do feel like they're thinking about spring,

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Speaker 2: like thinking about March. I'm just like yes, because you know,

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Speaker 2: it's getting dark at like four fifteen pm here now,

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Speaker 2: and winter is coming and damn, what is going on

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Speaker 2: with this pandemic? Like I just it's it's pretty scary.

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Speaker 2: I mean, and I feel like we have a bit

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Speaker 2: of a responsibility. You know, the majority of our audience,

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Speaker 2: I know are you know, our black women, and this

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Speaker 2: this disease is truly coming for black and brown communities.

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Speaker 2: So I just want to say, you know, when it

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Speaker 2: comes to the holidays and you know, what's this time

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Speaker 2: with family that I know, you know, this is the

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Speaker 2: time we won't want to gather and be together. If

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Speaker 2: there's any way you can scale back your holiday plans. Personally,

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Speaker 2: I'm walking the I'm walking the walk. My my little

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Speaker 2: brother who was so excited to come for Thanksgiving, which

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Speaker 2: is also falling on Rio's first birthday. He's canceled his trip.

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Speaker 2: My mom was supposed to come for two weeks. She

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Speaker 2: tries to come here every few months to help. She's

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Speaker 2: canceling her trip, and his first birthday is going to

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Speaker 2: be it's I'm still gonna make it fun. We're gonna

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Speaker 2: get balloons and I'm gonna make a cake and we'll

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Speaker 2: have just our you know, maybe four relatives, grandparents, and

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Speaker 2: then his uncle and aunt here with us. They're living

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Speaker 2: with us, they're quarantine with us anyway. But anyway, I

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Speaker 2: just just if you're thinking about it, don't be just

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Speaker 2: just cancel or down you know, downsize your your gathering,

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Speaker 2: because this is really going to make her break. I

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Speaker 2: think the next few months and you know, really lives

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Speaker 2: are at stake, and it's getting really scary. It is

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Speaker 2: getting really scary, truly.

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Speaker 1: I mean a friend of mine had it really really

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Speaker 1: bad where she was texting me like, I don't know

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Speaker 1: if I'm going to make it my girl, please don't

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Speaker 1: see that she had COVID really bad, and so she

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Speaker 1: thinks she got it from her best friend that had

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Speaker 1: gotten to that went to a restaurant because she my

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Speaker 1: friend actually doesn't go anywhere. You know, she's been really

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Speaker 1: careful at home, but her best friend came to visit her,

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Speaker 1: and her best friend had been to a restaurant before,

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Speaker 1: you know, before then she thinks that that's where she

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Speaker 1: got it from. But she was really scared, and honestly,

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Speaker 1: there were there were for for a good week and

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Speaker 1: a half, two weeks. We couldn't even like I would

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Speaker 1: call and she's like, I can't speak because that's how

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Speaker 1: much she was coughing and had a hard time breathing.

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Speaker 1: You know, she's young, and so I'm not gonna lie.

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Speaker 1: I was terrified, Like.

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Speaker 2: Oh my goodness, Oh my goodness, I'm like good because

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Speaker 2: she's got a.

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Speaker 1: Child and a husband, and it just really hit home

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Speaker 1: because I've had a couple of friends I've had it,

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Speaker 1: but for sure, she was the one that I was

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Speaker 1: most worried about because for her not to be able

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Speaker 1: to speak because of the coughing and her inability to

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Speaker 1: breathe was like terrifying. And so yeah, I called my

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Speaker 1: mom and I said, what are we gonna do for Thanksgiving?

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Speaker 1: She said, not a damn thing. She's like, she said,

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Speaker 1: I love y'all. But I'm gonna be right here in

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Speaker 1: this house. And I said, you know what, I understand

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Speaker 1: honestly because my dad is sex seventy seven. You know,

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Speaker 1: my mom is in her late sixties, and she's just like,

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Speaker 1: it's just not worth it.

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Speaker 2: You know.

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Speaker 1: Of course we're gonna miss you guys, but we want

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Speaker 1: to be able to see you like a vengance. So yeah,

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Speaker 1: like so my husband, honestly, we're just gonna it's just

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Speaker 1: gonna be us in the house and whatever. You know,

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Speaker 1: stovetopped stuff.

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Speaker 2: Again, take that.

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Speaker 1: I mean you can get it catered. Yeah, yeah, I

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Speaker 1: probably still am because you know, youdad, can you make

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Speaker 1: a dinner for three? You know, support your.

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Speaker 2: Local restaurants and order in if you you know, that's

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Speaker 2: not a because of course, the other side of this

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Speaker 2: is the fact that restaurants and these businesses are really

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Speaker 2: hurting right now. But I just like, lives are what's

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Speaker 2: really important, and it's a damn shame that, you know,

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Speaker 2: our government can't get it back together and put together

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Speaker 2: another stimulus package. So I know that people will hurt

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Speaker 2: in other ways, but yeah, I'm glad to hear that

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Speaker 2: you'll you're scaling back things too. M hm.

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Speaker 1: Remember what was the last time I had a huge Thanksgiving?

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Speaker 1: First Thanksgiving at the house, it was like forty people.

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Speaker 2: Yeah, no, I mean, aren't you glad you celebrated when

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Speaker 2: you had the chance. Yes, That's how I feel about

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Speaker 2: everything I did last year. I'm like, damn, I'm glad

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Speaker 2: I had a big baby shower party because that was

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Speaker 2: the last time I had a party. Yeah. Well, we

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Speaker 2: hope you guys are staying safe and well. If you

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Speaker 2: have any you know, tips or stories on how you've

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Speaker 2: made your virtual celebrations this past year fun and enjoyable,

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Speaker 2: let me know, because I'm trying to. I really want

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Speaker 2: to make his first birthday because I know what means

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Speaker 2: so much to my you know, he's the first grandchild

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Speaker 2: for all of my all of our parents, and the

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Speaker 2: first niece and nephew for my siblings and every niece

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Speaker 2: and nephew. What first nephew for my siblings. So, if

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Speaker 2: y'all have any tips on how to make a virtual

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Speaker 2: you know, birthday celebration like fun and not weird, I

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Speaker 2: was just going to put the laptop on the kitchen

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Speaker 2: isle and just let them watch all day. Oh, just

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Speaker 2: like froll on Truman show. Let me know because we'll

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Speaker 2: try and you know, make the most of it. But

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Speaker 2: I hope you guys are staying safe.

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Speaker 1: And I always think that's so crazy that poor babies

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Speaker 1: that they get like watched all the time. So my

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Speaker 1: sister says, Carroll, one of the two kids the investment, like,

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Speaker 1: you know, Guru, she grew not really, but she she

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Speaker 1: was like that, you know she she still has her

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Speaker 1: the baby monitor even though the kids are five and three,

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Speaker 1: and like when they're acting up, she is a whispering wait, wait,

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Speaker 1: mommy's watching. I think it's hilarious. They're like, Mommy, are

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Speaker 1: you watching? She's like, you know what. I just think

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Speaker 1: that that's so crazy that kids are. Like they're like,

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Speaker 1: before we throw another toy out of the windows screen

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Speaker 1: that we've ripped open, let's let's see.

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Speaker 2: If she's wait they the window open, Oh.

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Speaker 1: My god, the screen like and they started with just

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Speaker 1: playing and now there's a little hole there. So every

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Speaker 1: time I go to visit, like in on the ground

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Speaker 1: and in front of her apartment because they'll know the

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Speaker 1: ground floor, there's all these toys and I'm like, what

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Speaker 1: is this. She was like, oh, these kids when I

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Speaker 1: was a kid, My mom used to say something that

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Speaker 1: had never got to I got older, and she would say,

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Speaker 1: you guys don't like anything nice. And it's not as

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Speaker 1: I'm older that I look at my niece and my nephew.

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Speaker 1: I'm like, oh, this is what she means. You don't

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Speaker 1: like anything good? Why are you throwing your favorite toys outside?

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Speaker 1: And so now when I go over there, they're like

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Speaker 1: yum yum and moo moo. I'm like, what's that. There

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Speaker 1: are two stuffed animals they have the city dump and

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Speaker 1: I'm like what. So apparently my sister says when they

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Speaker 1: throw stuff out the window, She's like, I'm taking it

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Speaker 1: to the city dump. So the kids are delighting in

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Speaker 1: the fact that both their favorite stuffed animals are apparently

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Speaker 1: having a party at the city town.

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Speaker 2: I just waited, Okay, he's a listen. He's already a

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Speaker 2: handful like four grown adults right now, or can you

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Speaker 2: hear them? They're having trouble wrangling him. It's gonna be

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Speaker 2: good times, good times ahead. People. I know that I'm

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Speaker 2: supposed to say. I don't believe he's a year old,

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Speaker 2: but I'm like, listen, every last one of these three

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Speaker 2: hundred and something days I have felt from twenty four

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Speaker 2: hours of these days, I have felt it, and I'm

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Speaker 2: really really excited and it's it feels like such a

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Speaker 2: big milestone. So I just want to make it special

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Speaker 2: for him and everyone who survived it along with me.

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Speaker 2: That's all I have to say about the holidays.

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Speaker 1: Yeah, the holiday. Have you put up your tree yet?

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Speaker 2: So this is a bit of a controversial situation of

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Speaker 2: my family right now. You can't say the tea word

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Speaker 2: because the grandparents are the lessen. The grandmothers. Let's be real.

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Speaker 2: Abuela and Nana are super not happy with the fact

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Speaker 2: that I've decided not to do a traditional tree in

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Speaker 2: the house. My master plan is we're going to go

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Speaker 2: to a Christmas tree farm and we're gonna cut down

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Speaker 2: a big ass tree and we're gonna put it in

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Speaker 2: my front yard.

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Speaker 1: That's why you said that.

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Speaker 2: And light it all up because I don't feel like

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Speaker 2: chasing a toddler around the house, you know before you know,

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Speaker 2: and preventing him from knocking down the tree, which he

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Speaker 2: most certainly will do. Child climbs on everything. So I'm

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Speaker 2: excited about it. We're gonna I'm taking next week off

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Speaker 2: and I think we're gonna go like during the weekend,

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Speaker 2: get to chop down our tree.

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Speaker 1: Okay, yep, I mean do you do it yourself?

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Speaker 2: Like, I don't know, do you bring your own what

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Speaker 2: do you? How do you? I don't know.

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Speaker 1: I've never had a I've never had a real because

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Speaker 1: it seems like a lot of work. So we always

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Speaker 1: have like like the last tree had honestly was like

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Speaker 1: our prettiest tree. Yeah, I thought it was a fake tree.

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Speaker 1: We got like a nine footer because our ceilings are

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Speaker 1: nine feet, which probably wasn't the best idea. Probably should

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Speaker 1: have got seven foot because I didn't think about life,

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Speaker 1: you know.

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Speaker 2: Theo ago did you have to cut off a trunk

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Speaker 2: of it on top.

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Speaker 1: Bent it back? I was like whatever, But it was

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Speaker 1: just it was so beautiful and I was just like, yeah,

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Speaker 1: I don't see about and I think it was even

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Speaker 1: pre pre lit, which I love. And I just put

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Speaker 1: like some you know, like decorations out of whatever. So yeah,

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Speaker 1: I'm glad I got a lot of stuff last year

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Speaker 1: because I'm not gonna lie. I'm nervous to go out

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Speaker 1: there in these streets and I don't want to, you know,

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Speaker 1: get sick.

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Speaker 2: I really want to go to home goods and do

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Speaker 2: my whole like two hour shopping excursion around the holidays.

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Speaker 2: But it just seems now, it.

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Speaker 1: Seems like very decadent now, like ooh should I go outside?

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Speaker 1: Ooh living dangerously? You know?

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Speaker 2: Yeah, oh man, it's fine.

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Speaker 1: For my favorite part of this show questions put, isn't

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Speaker 1: that hoy san Spanish pragunta? Se Wait real quick question.

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Speaker 1: I saw this post on IG and that's a huh.

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Speaker 1: I thought it was unique because it said everyone had

400
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Speaker 1: an English teacher that completely changed their life, and I

401
00:19:35,240 --> 00:19:37,359
Speaker 1: did have one, and I thought, well, is that normal?

402
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Speaker 1: Did you have an English teacher that changed your life?

403
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Speaker 1: Mine was Kate Strauss.

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Speaker 2: You know when people like thank their teachers at award

405
00:19:43,960 --> 00:19:46,520
Speaker 2: ceremonies or they talk about it someplace, They're like, oh,

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Speaker 2: I love thank you so and so for your you know,

407
00:19:49,480 --> 00:19:52,200
Speaker 2: for believing in me or whatever. I don't remember any

408
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Speaker 2: of my teacher's names, like, and I know that's terrible.

409
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Speaker 2: I do remember my seventh grade English teacher's name, Lorie Cunningham,

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Speaker 2: I believe, but yeah, I But other than that, no,

411
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Speaker 2: And it's just because I'm a terrible person and remember

412
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Speaker 2: no one's name I always loved my English teachers. That

413
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Speaker 2: was my best subject, but can't remember their names.

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Speaker 1: Yeah, I just the only reason because Kate. I remember

415
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Speaker 1: it was like my I think it was junior year

416
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Speaker 1: and she was I was taking AP English Advanced Placement English,

417
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Speaker 1: and she was a super young teacher. She was like

418
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Speaker 1: twenty one or twenty two something like that, and she

419
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Speaker 1: just graduated from Princeton, so you know, she was full

420
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Speaker 1: of like all the like energy and you know, and

421
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Speaker 1: Westfield where I grew up was like largely white and

422
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Speaker 1: I was the only black person I believe in my

423
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Speaker 1: in my AP English class, and she just took such

424
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Speaker 1: a shine to me. I remember at first, I was like, oh,

425
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Speaker 1: what does she want? But she cause I was pretty shy.

426
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Speaker 1: I know you can't tell, but I was pretty shy

427
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Speaker 1: in high school. So I just used to be really

428
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Speaker 1: really really quiet. But then I would, you know, turn

429
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Speaker 1: in my work and stuff. And I remember we did

430
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Speaker 1: like a poetry unit and I really shone through. And

431
00:20:58,680 --> 00:21:01,800
Speaker 1: she's really like I used to write like so much

432
00:21:01,800 --> 00:21:04,440
Speaker 1: poetry back in the day. My poet my poet name

433
00:21:04,520 --> 00:21:08,320
Speaker 1: was poetic empress. Get into it spoken word, I make

434
00:21:08,359 --> 00:21:09,080
Speaker 1: that up? I did.

435
00:21:09,160 --> 00:21:12,159
Speaker 2: I just I remember you telling that story.

436
00:21:12,400 --> 00:21:15,640
Speaker 1: Yes, But what I really liked about her is that

437
00:21:15,680 --> 00:21:17,800
Speaker 1: she was like, you know, share some of yours. She's satifically,

438
00:21:17,800 --> 00:21:20,000
Speaker 1: you should have a recording of some of your poems,

439
00:21:20,040 --> 00:21:22,679
Speaker 1: and so, like, you know, during breaks or whatever, like

440
00:21:22,920 --> 00:21:25,800
Speaker 1: we would go to the library and like record like

441
00:21:25,880 --> 00:21:28,199
Speaker 1: me reading my poetry and then reading my angel and

442
00:21:28,200 --> 00:21:30,679
Speaker 1: reading and I still had them on video, and she

443
00:21:30,720 --> 00:21:32,960
Speaker 1: said you should keep it because you know, you it

444
00:21:33,040 --> 00:21:34,760
Speaker 1: would just be something that you can look back on

445
00:21:34,800 --> 00:21:37,119
Speaker 1: and whether or not this you know, you take this

446
00:21:37,200 --> 00:21:39,879
Speaker 1: into turns into something else, or whether you just have

447
00:21:39,960 --> 00:21:43,000
Speaker 1: it as an amazing memory. And it just was so yeah,

448
00:21:43,040 --> 00:21:45,800
Speaker 1: I just really loved that because it made me feel

449
00:21:46,119 --> 00:21:48,800
Speaker 1: like someone saw me and saw something special to me

450
00:21:48,840 --> 00:21:50,479
Speaker 1: when I didn't see that in myself because I'm one

451
00:21:50,520 --> 00:21:53,240
Speaker 1: of five kids and I'm going to this big old

452
00:21:53,320 --> 00:21:56,280
Speaker 1: high school and I don't look like anyone here really,

453
00:21:56,320 --> 00:21:58,280
Speaker 1: And then it was like, here's a teacher that really

454
00:21:58,280 --> 00:21:59,919
Speaker 1: saw me. And honestly, it gave me a lot of

455
00:22:00,080 --> 00:22:02,800
Speaker 1: confidence that I did not have. I was super self

456
00:22:02,600 --> 00:22:06,560
Speaker 1: conscious like most high school girls. So yeah, Kate Strauss

457
00:22:07,000 --> 00:22:09,560
Speaker 1: shout out to you. Actually googled her and I was like, oh,

458
00:22:09,640 --> 00:22:12,920
Speaker 1: I think she's an administrator now for a college. But yeah,

459
00:22:13,080 --> 00:22:14,920
Speaker 1: shout out to you, Kate Strauss. She made a huge

460
00:22:14,920 --> 00:22:15,840
Speaker 1: difference in my life.

461
00:22:17,119 --> 00:22:20,639
Speaker 2: That's lovely. You know. The teacher I remember was my

462
00:22:20,840 --> 00:22:25,400
Speaker 2: not my English teacher, but my fifth grade teacher, missus Parks,

463
00:22:25,520 --> 00:22:28,639
Speaker 2: because after my parents split up, we had to move

464
00:22:28,760 --> 00:22:30,720
Speaker 2: to a whole different county and the way that it

465
00:22:30,800 --> 00:22:33,639
Speaker 2: works in Georgia is that you just go to school

466
00:22:33,640 --> 00:22:36,639
Speaker 2: wherever you know you live, in your zip code or whatever.

467
00:22:37,080 --> 00:22:38,560
Speaker 2: So that meant we had to leave school in the

468
00:22:38,600 --> 00:22:41,160
Speaker 2: middle of the school year. Miss Parks was like, no, no, no,

469
00:22:41,240 --> 00:22:43,080
Speaker 2: I'm going to commute all the way to pick you

470
00:22:43,119 --> 00:22:45,320
Speaker 2: up from your uncle's house and take you to school

471
00:22:45,400 --> 00:22:48,440
Speaker 2: and back home every day. So she took my little

472
00:22:48,440 --> 00:22:50,399
Speaker 2: brother and I to and from school for like the

473
00:22:50,480 --> 00:22:52,919
Speaker 2: last couple of months of the year, which was just

474
00:22:52,960 --> 00:22:54,480
Speaker 2: so far and beyond. And she used to get me

475
00:22:54,560 --> 00:22:57,760
Speaker 2: McDonald's French fries. I'll then I forget that, and.

476
00:22:57,720 --> 00:23:00,359
Speaker 1: I remember how your dad is, Oh my god, wedding.

477
00:23:02,680 --> 00:23:05,879
Speaker 1: Your dad was like, my little Mandy, what was the

478
00:23:05,920 --> 00:23:08,240
Speaker 1: story and how much you loved the French fries?

479
00:23:08,960 --> 00:23:11,080
Speaker 2: Listen, my dad did give a speech at my wedding,

480
00:23:11,080 --> 00:23:13,560
Speaker 2: which apparently he prepared an advance and decided to tell

481
00:23:13,600 --> 00:23:15,720
Speaker 2: an anecdote about how I used to eat French fries

482
00:23:15,760 --> 00:23:19,399
Speaker 2: and not give him any as a child. Yes, and

483
00:23:19,480 --> 00:23:21,440
Speaker 2: I was not. I was a very rude little girl.

484
00:23:21,560 --> 00:23:23,720
Speaker 2: I was like, miss Parks, can we get the big

485
00:23:23,800 --> 00:23:28,960
Speaker 2: size fries? You know, a supersized letter?

486
00:23:31,200 --> 00:23:32,880
Speaker 1: Oh my god, honestly.

487
00:23:33,000 --> 00:23:34,840
Speaker 2: What was what much she have been thinking? She was

488
00:23:34,840 --> 00:23:36,760
Speaker 2: probably in her early twenties too, but you know, everyone

489
00:23:36,760 --> 00:23:39,840
Speaker 2: seems so like, you know, old and mature at that age.

490
00:23:39,920 --> 00:23:42,480
Speaker 2: But she was probably her first teaching job. Anyhow, yay,

491
00:23:42,640 --> 00:23:45,720
Speaker 2: love to teachers, love them.

492
00:23:45,880 --> 00:23:46,560
Speaker 1: What are we doing now?

493
00:23:46,680 --> 00:23:49,879
Speaker 2: Questions? Right? Okay, right, well I don't. We were like

494
00:23:49,880 --> 00:23:53,320
Speaker 2: pragunthas and then we were reminiscing about school days. This

495
00:23:53,400 --> 00:23:54,240
Speaker 2: is fine, but.

496
00:23:54,200 --> 00:24:29,480
Speaker 1: It was still a nice reministion. It's time for temple,

497
00:24:31,480 --> 00:24:33,440
Speaker 1: time for questions in espanel.

498
00:24:34,040 --> 00:24:36,679
Speaker 2: Yes, you should be on Sesame Street actually one day,

499
00:24:36,800 --> 00:24:38,520
Speaker 2: because I've watched a lot of that lately, and that

500
00:24:38,560 --> 00:24:42,080
Speaker 2: was very on Brandy. Well, let's take a question from

501
00:24:42,080 --> 00:24:45,080
Speaker 2: a listener, will keep her anonymous. This one is This

502
00:24:45,119 --> 00:24:48,439
Speaker 2: one's tough, but I think it's truly indicative of, you know,

503
00:24:48,480 --> 00:24:50,679
Speaker 2: one of the reasons why Congress really needs to get

504
00:24:50,720 --> 00:24:53,280
Speaker 2: us act together and do something about the situation for

505
00:24:53,320 --> 00:24:55,600
Speaker 2: families who are struggling. But this is this is a

506
00:24:55,720 --> 00:25:01,600
Speaker 2: question from a listener. We'll call her. Danielle. Daniell says, Hey, ladies,

507
00:25:01,600 --> 00:25:04,080
Speaker 2: So I'm having trouble saving. This has been for a

508
00:25:04,119 --> 00:25:06,960
Speaker 2: few years now. I'm originally from New Jersey and I

509
00:25:07,280 --> 00:25:11,120
Speaker 2: relocated to Savannah about five years ago. Between my significant

510
00:25:11,119 --> 00:25:14,240
Speaker 2: other and I we make about sixty five thousand dollars

511
00:25:14,280 --> 00:25:17,480
Speaker 2: a year. But still I'm having trouble saving. Right now,

512
00:25:17,520 --> 00:25:20,639
Speaker 2: we're paying six hundred dollars for the mortgage, Utilities are

513
00:25:20,640 --> 00:25:22,640
Speaker 2: about three point fifty, and we have a car note

514
00:25:22,680 --> 00:25:27,120
Speaker 2: which is about four seventy five. Thanks to coronavirus, are

515
00:25:27,119 --> 00:25:29,800
Speaker 2: one hundred dollars a week. Daycare bill we're no longer paying,

516
00:25:29,880 --> 00:25:32,199
Speaker 2: but groceries have gone up about three hundred dollars a

517
00:25:32,200 --> 00:25:34,840
Speaker 2: month because we're home all day. I see people giving

518
00:25:34,840 --> 00:25:36,960
Speaker 2: their tips on how to save, but these people are

519
00:25:36,960 --> 00:25:39,800
Speaker 2: making way more and never have kids. Is it possible

520
00:25:39,800 --> 00:25:42,080
Speaker 2: for me to save? Or should I be realistic and

521
00:25:42,200 --> 00:25:44,920
Speaker 2: realize saving is just not possible at this time, thank

522
00:25:44,920 --> 00:25:49,760
Speaker 2: you for your help. Essentially, really having trouble saving doesn't understand,

523
00:25:50,400 --> 00:25:52,480
Speaker 2: you know, where she's supposed to get the money to

524
00:25:52,520 --> 00:25:54,560
Speaker 2: save when there's just not enough.

525
00:25:55,160 --> 00:25:59,560
Speaker 1: And I think that it's okay to say I don't

526
00:25:59,640 --> 00:26:02,200
Speaker 1: have it to save. I mean, I know people don't

527
00:26:02,200 --> 00:26:05,280
Speaker 1: want to say that. There's always a way. Yes, sometimes

528
00:26:05,320 --> 00:26:08,199
Speaker 1: it's like it's food. It's not I'm not getting my

529
00:26:08,240 --> 00:26:10,119
Speaker 1: nails on, I'm not getting my hair done. It's food,

530
00:26:10,119 --> 00:26:13,040
Speaker 1: it's shelter, and I'm even late on that. So one

531
00:26:13,040 --> 00:26:14,480
Speaker 1: of the things I did when I was like at

532
00:26:14,520 --> 00:26:16,680
Speaker 1: my Brokes broke Is Brokes, when I honestly didn't even

533
00:26:16,680 --> 00:26:19,439
Speaker 1: have money for regular bills, is that I would, you know,

534
00:26:19,640 --> 00:26:21,440
Speaker 1: like if I had like fifty cents, if I had,

535
00:26:21,840 --> 00:26:23,359
Speaker 1: I would put it in a you know, in a

536
00:26:23,440 --> 00:26:25,320
Speaker 1: in a jar and say like, okay, every month, I'm

537
00:26:25,320 --> 00:26:26,960
Speaker 1: gonna save at least something. And I would put it

538
00:26:27,000 --> 00:26:28,520
Speaker 1: like in a but it was more I mean, I

539
00:26:28,520 --> 00:26:31,160
Speaker 1: would take it out later, but it was more ceremonial.

540
00:26:31,480 --> 00:26:33,639
Speaker 1: So I reminded I didn't get out of the habit

541
00:26:33,760 --> 00:26:37,640
Speaker 1: of setting aside something. But there are moments in life

542
00:26:37,800 --> 00:26:41,520
Speaker 1: when you just don't have it and and it's not

543
00:26:41,560 --> 00:26:45,200
Speaker 1: because you're being frivolous. It's because things are hard, and

544
00:26:45,359 --> 00:26:50,159
Speaker 1: that's okay. I don't savings is ideal, but it's not

545
00:26:50,359 --> 00:26:54,200
Speaker 1: always realistic in whatever situation you find yourself in. And

546
00:26:54,200 --> 00:26:55,800
Speaker 1: I would say, if there's not enough money, you have

547
00:26:55,920 --> 00:26:58,560
Speaker 1: one of one or two issues. Usually it's like it's

548
00:26:58,560 --> 00:27:02,240
Speaker 1: a don't make enough issue or spend too much issue.

549
00:27:02,440 --> 00:27:05,159
Speaker 1: Everyone's issue. Who's not saving is to spend too much issue.

550
00:27:05,160 --> 00:27:07,200
Speaker 1: Most people, that's the default. I don't have enough money,

551
00:27:07,200 --> 00:27:10,879
Speaker 1: you spent too much. Not always, sometimes I'm not making enough.

552
00:27:11,359 --> 00:27:14,119
Speaker 1: And so that's what I would really focus on. Instead

553
00:27:14,160 --> 00:27:17,240
Speaker 1: of stressing yourself out and making yourself feel bad that

554
00:27:17,320 --> 00:27:20,160
Speaker 1: maybe you're not able to save, it's asking yourself, are

555
00:27:20,200 --> 00:27:22,840
Speaker 1: there ways to make additional income so I have a

556
00:27:22,840 --> 00:27:25,399
Speaker 1: little bit more room? Can I ask for a raise

557
00:27:25,560 --> 00:27:28,119
Speaker 1: or promotion? Is there something I can do on the

558
00:27:28,240 --> 00:27:31,080
Speaker 1: side to bring some more income into the household. So,

559
00:27:31,240 --> 00:27:35,280
Speaker 1: but also you know, being easy on yourself. Not being

560
00:27:35,280 --> 00:27:38,200
Speaker 1: able to save is not a condemnation of your character.

561
00:27:38,520 --> 00:27:41,280
Speaker 1: It's just a it's just your current situation. But it

562
00:27:41,320 --> 00:27:42,040
Speaker 1: won't always be.

563
00:27:42,720 --> 00:27:45,159
Speaker 2: Yeah, I don't know if I have anything, you know,

564
00:27:45,280 --> 00:27:48,320
Speaker 2: to add on to that other than to say I

565
00:27:48,359 --> 00:27:51,680
Speaker 2: definitely identify with your grocery bill going up. It's really insane,

566
00:27:52,080 --> 00:27:54,400
Speaker 2: you know how much, And because going to the grocery

567
00:27:54,400 --> 00:27:56,720
Speaker 2: store is like the big excursion, you know, it's like

568
00:27:56,760 --> 00:27:59,920
Speaker 2: the one safeish place you can go now and I

569
00:28:00,520 --> 00:28:04,840
Speaker 2: personally comfort myself with food and anyway, So it's it's

570
00:28:05,119 --> 00:28:07,720
Speaker 2: it's really easy, especially when you have kids. I also

571
00:28:07,760 --> 00:28:11,000
Speaker 2: feel like I see what you're saying when it's about you,

572
00:28:11,080 --> 00:28:13,119
Speaker 2: when you talk about you know, looking and listening to

573
00:28:13,160 --> 00:28:15,600
Speaker 2: other people who give advice and like they don't have children,

574
00:28:16,160 --> 00:28:18,760
Speaker 2: there is some good helpful advice out there, you know,

575
00:28:18,840 --> 00:28:22,240
Speaker 2: from people for example, Christina and Aman from Our Rich Journey.

576
00:28:22,280 --> 00:28:25,200
Speaker 2: You know, they have two tween age girls and they

577
00:28:25,760 --> 00:28:27,639
Speaker 2: talk a lot about the ways that they've saved. So

578
00:28:27,680 --> 00:28:29,919
Speaker 2: if you haven't checked out their YouTube channel, we've had

579
00:28:29,920 --> 00:28:31,560
Speaker 2: them on the show before. I think it was episode

580
00:28:31,720 --> 00:28:34,000
Speaker 2: I mean two thirty and one to thirty one, I

581
00:28:34,040 --> 00:28:36,399
Speaker 2: think a few couple of months ago. You can go

582
00:28:36,400 --> 00:28:38,680
Speaker 2: back and listen to that. They have a really great

583
00:28:38,720 --> 00:28:42,280
Speaker 2: YouTube channel, great advice on finding side hustles, especially which

584
00:28:42,320 --> 00:28:44,120
Speaker 2: was one way that they brought an extra income when

585
00:28:44,120 --> 00:28:47,480
Speaker 2: they were saving for early retirement, and they really got

586
00:28:47,480 --> 00:28:50,560
Speaker 2: the kids involved too, and their little girls have this

587
00:28:50,640 --> 00:28:53,080
Speaker 2: channel called our which what is it called.

588
00:28:53,840 --> 00:28:55,800
Speaker 1: Are Young Rechard something. But it's really good.

589
00:28:55,880 --> 00:28:57,760
Speaker 2: I know, I feel like Junior is in there somewhere.

590
00:28:57,800 --> 00:29:01,280
Speaker 2: It's really cute and adorable. So maybe it's you know,

591
00:29:01,360 --> 00:29:03,880
Speaker 2: it sounds what kind of the tone I get from

592
00:29:03,920 --> 00:29:05,840
Speaker 2: the email is that you feel like you're in this alone.

593
00:29:05,960 --> 00:29:08,200
Speaker 2: So I feel like if you get the family involved,

594
00:29:08,200 --> 00:29:10,640
Speaker 2: in your husband or your partner, I'm sorry, you know,

595
00:29:10,760 --> 00:29:13,280
Speaker 2: talking about ways that you guys can bring an extra

596
00:29:13,360 --> 00:29:16,520
Speaker 2: income as a family or reduce you know, spending as

597
00:29:16,520 --> 00:29:19,280
Speaker 2: a family. But I agree with tiffany times are really

598
00:29:19,280 --> 00:29:22,040
Speaker 2: tough right now, and a lot of people aren't saving

599
00:29:22,040 --> 00:29:23,920
Speaker 2: what they think they should or that what they want

600
00:29:23,920 --> 00:29:26,320
Speaker 2: to be saving. And there's so many goals that have

601
00:29:26,360 --> 00:29:28,480
Speaker 2: been set aside because of what's going on right now,

602
00:29:28,720 --> 00:29:31,560
Speaker 2: you know, in our economy and with our healthcare crisis,

603
00:29:32,160 --> 00:29:34,240
Speaker 2: and I think we've all just got to like lower

604
00:29:34,320 --> 00:29:36,400
Speaker 2: the bar a little bit for ourselves and take it easy.

605
00:29:36,640 --> 00:29:39,560
Speaker 2: You know, it sounds like you're making making ends meet,

606
00:29:39,600 --> 00:29:42,560
Speaker 2: which is right now. You know, all you really need

607
00:29:42,600 --> 00:29:45,360
Speaker 2: to do. I do wish that there was some form

608
00:29:45,400 --> 00:29:49,280
Speaker 2: of you know, help, you know, another stimulus or whatnot.

609
00:29:49,320 --> 00:29:53,520
Speaker 2: But unfortunately, for the time being, we are all our heroes,

610
00:29:53,800 --> 00:29:56,680
Speaker 2: you know, asking for help, looking for resources in your area.

611
00:29:57,200 --> 00:29:59,240
Speaker 2: That's really all that you can do right now. But

612
00:29:59,400 --> 00:30:02,440
Speaker 2: best of luck to you and to your family and

613
00:30:03,160 --> 00:30:05,320
Speaker 2: y'all if you have any you know, I think a

614
00:30:05,320 --> 00:30:07,400
Speaker 2: lot of our listeners have kids. If there's anything y'all

615
00:30:07,440 --> 00:30:10,560
Speaker 2: are doing, you know these days, to you know, bring

616
00:30:10,600 --> 00:30:13,960
Speaker 2: an extra income or you know, adjust your goals and

617
00:30:14,000 --> 00:30:16,560
Speaker 2: expectations because of what's going on, you know, feel free

618
00:30:16,600 --> 00:30:16,920
Speaker 2: to share.

619
00:30:17,080 --> 00:30:19,880
Speaker 1: We'll share on the showily, like don't be afraid to

620
00:30:20,760 --> 00:30:23,600
Speaker 1: lean into like services, you know, like is are there

621
00:30:23,600 --> 00:30:26,520
Speaker 1: food services that you might qualify for? Are their rental

622
00:30:26,960 --> 00:30:30,320
Speaker 1: services like in your municipalities, especially now during the time.

623
00:30:30,360 --> 00:30:33,280
Speaker 1: I like Newark actually has some like rent assistant services.

624
00:30:33,480 --> 00:30:36,560
Speaker 1: They have places where that deliver or that bring food

625
00:30:36,720 --> 00:30:41,520
Speaker 1: every every afternoon, like especially where their children, like where

626
00:30:41,560 --> 00:30:44,480
Speaker 1: you can pick up lunch or dinner. So lean in,

627
00:30:44,600 --> 00:30:47,240
Speaker 1: lean into those services if you need them. I've certainly

628
00:30:47,240 --> 00:30:49,520
Speaker 1: been in that position before as well. Sorry to cut

629
00:30:49,560 --> 00:30:50,840
Speaker 1: you off, Mandy, I just want to put that out

630
00:30:50,840 --> 00:30:51,680
Speaker 1: that I was just thinking of that.

631
00:30:52,440 --> 00:30:54,400
Speaker 2: No, that's great. I was just going to say, hit

632
00:30:54,440 --> 00:30:57,400
Speaker 2: us up brand Ambition podcast on Instagram or brannd Ambition

633
00:30:57,520 --> 00:30:59,640
Speaker 2: Podcast at gmail dot com if y'all have any tips

634
00:30:59,720 --> 00:31:04,120
Speaker 2: or stories you want to share. All right, Danielle, thank

635
00:31:04,120 --> 00:31:06,400
Speaker 2: you again for your question. Let's take another one. This

636
00:31:06,480 --> 00:31:11,000
Speaker 2: is This is an interesting one from listener named Lauren,

637
00:31:11,120 --> 00:31:14,640
Speaker 2: and she's a homeowner wondering if she should go ahead

638
00:31:14,640 --> 00:31:17,240
Speaker 2: and use a loan that she took out or sit

639
00:31:17,320 --> 00:31:20,200
Speaker 2: on the cash for a while. All Right, Lauren says,

640
00:31:20,240 --> 00:31:22,800
Speaker 2: I'm a homeowner of eight years and the main level

641
00:31:22,880 --> 00:31:26,200
Speaker 2: of my house desperately needs repairs. I'm talking floor cracking,

642
00:31:26,280 --> 00:31:29,640
Speaker 2: paint peeling, desperate. It's a long backstory, but basically, the

643
00:31:29,680 --> 00:31:32,000
Speaker 2: person I purchased a home from was kind of shady

644
00:31:32,160 --> 00:31:34,960
Speaker 2: and didn't do work properly. Now there's a lot that

645
00:31:35,000 --> 00:31:36,440
Speaker 2: will have to be done in order to do the

646
00:31:36,560 --> 00:31:38,920
Speaker 2: job right. My plan is to sell the house within

647
00:31:38,920 --> 00:31:40,880
Speaker 2: the next year or so. I know that in order

648
00:31:40,920 --> 00:31:43,160
Speaker 2: to do that, I need to make the repairs. But

649
00:31:43,240 --> 00:31:45,320
Speaker 2: to be honest, even if I don't sell right away,

650
00:31:45,400 --> 00:31:47,440
Speaker 2: I'm just tired of the way the house looks. It's

651
00:31:47,480 --> 00:31:51,360
Speaker 2: seriously depressing. I've gotten estimates ranging from ten thousand to

652
00:31:51,400 --> 00:31:54,200
Speaker 2: eighteen thousand dollars for the work, and I took out

653
00:31:54,240 --> 00:31:57,080
Speaker 2: a twelve thousand dollars home equity loan for the repairs

654
00:31:57,160 --> 00:32:00,560
Speaker 2: right before the RONA shut everything down and holding on

655
00:32:00,600 --> 00:32:02,240
Speaker 2: to the money in my savings because we're in the

656
00:32:02,280 --> 00:32:05,080
Speaker 2: middle of a pandemic and recession, so I wanted to

657
00:32:05,120 --> 00:32:07,360
Speaker 2: have a cushion. I highly doubt I'll be out of

658
00:32:07,400 --> 00:32:10,680
Speaker 2: work anytime soon, but of course you never know. So

659
00:32:10,760 --> 00:32:12,720
Speaker 2: what should I do. Should I go ahead and get

660
00:32:12,720 --> 00:32:15,120
Speaker 2: the repairs done now, or should I continue to wait

661
00:32:15,160 --> 00:32:17,400
Speaker 2: it out. I'm so torn about this, and I just

662
00:32:17,440 --> 00:32:23,360
Speaker 2: need another opinion or two, because I am all cabs stressed. Okay,

663
00:32:23,760 --> 00:32:27,400
Speaker 2: So twelve K in the bank. It's a home equity loan,

664
00:32:27,920 --> 00:32:30,800
Speaker 2: which is for those who want to back up real quick.

665
00:32:30,800 --> 00:32:33,240
Speaker 2: A home equity loan is when you tap into the

666
00:32:33,280 --> 00:32:35,920
Speaker 2: equity of your home and the bank gives you a

667
00:32:36,000 --> 00:32:40,239
Speaker 2: loan based on that equity and you owe. Let's say, well,

668
00:32:40,240 --> 00:32:42,000
Speaker 2: there's a home equity loan, there's a home equity line

669
00:32:42,000 --> 00:32:44,560
Speaker 2: of credit. Home equity loans a lump sum. So it's

670
00:32:44,600 --> 00:32:46,720
Speaker 2: like a personal loan, you know, the same way that

671
00:32:46,760 --> 00:32:48,560
Speaker 2: a personal loan works. You just get the lump sum

672
00:32:48,600 --> 00:32:50,680
Speaker 2: and you're in your bank account and you can use

673
00:32:50,680 --> 00:32:52,920
Speaker 2: it for whatever you want to use it for. And

674
00:32:52,960 --> 00:32:56,520
Speaker 2: then a line of credit is when you it's basically like,

675
00:32:57,080 --> 00:32:59,560
Speaker 2: you know, same amount of money, but instead of getting

676
00:32:59,560 --> 00:33:02,280
Speaker 2: in a one line some you can use that line

677
00:33:02,320 --> 00:33:03,840
Speaker 2: of credit as you need it. You don't have to

678
00:33:03,920 --> 00:33:05,440
Speaker 2: use the whole thing if you don't want to, kind

679
00:33:05,440 --> 00:33:08,160
Speaker 2: of like a credit card. But anything you do use,

680
00:33:08,440 --> 00:33:14,200
Speaker 2: you'll you'll eventually end up owing it back. All right, Well,

681
00:33:14,200 --> 00:33:19,040
Speaker 2: thank you for indulging me. In my definition, that's.

682
00:33:18,840 --> 00:33:20,120
Speaker 1: Good because you know, a lot of people would be like,

683
00:33:20,360 --> 00:33:26,000
Speaker 1: say what now, But my concern is I just want

684
00:33:26,040 --> 00:33:28,600
Speaker 1: to make sure that you actually use it to improve

685
00:33:28,640 --> 00:33:31,720
Speaker 1: the quality of the home, or you will have taken

686
00:33:31,800 --> 00:33:34,760
Speaker 1: money out of a house that you have not invested

687
00:33:34,800 --> 00:33:37,640
Speaker 1: back into. So you're end up almost like it's almost

688
00:33:37,640 --> 00:33:41,840
Speaker 1: like double owing. You know. I can understand about like,

689
00:33:41,840 --> 00:33:44,640
Speaker 1: you know, not you know, wanting to have some savings.

690
00:33:44,920 --> 00:33:46,520
Speaker 1: Although you didn't say what she didn't say what she

691
00:33:46,520 --> 00:33:48,360
Speaker 1: did for a living, But she seems pretty confident she's

692
00:33:48,360 --> 00:33:50,560
Speaker 1: not going to lose her job. I don't know what

693
00:33:50,600 --> 00:33:53,160
Speaker 1: work needs to be done in the house, but you know,

694
00:33:53,240 --> 00:33:55,040
Speaker 1: like around here where I live, I certainly see that

695
00:33:55,080 --> 00:33:57,720
Speaker 1: people are actually working because you know, you want to

696
00:33:57,760 --> 00:34:01,040
Speaker 1: maintain and be safe. But you know there are farms

697
00:34:01,080 --> 00:34:03,320
Speaker 1: and things that are still you know, they're using safety

698
00:34:03,320 --> 00:34:06,240
Speaker 1: precautions and are working on people's homes. And that's honestly,

699
00:34:06,240 --> 00:34:07,440
Speaker 1: you might be able to get work a little bit

700
00:34:07,520 --> 00:34:10,719
Speaker 1: cheaper because you know there are people who are not

701
00:34:10,880 --> 00:34:13,359
Speaker 1: wanting to, you know, renovate right now because of all

702
00:34:13,360 --> 00:34:16,000
Speaker 1: that's going on. So you might find people who I

703
00:34:16,080 --> 00:34:17,680
Speaker 1: wanted to give you a better deal because they need

704
00:34:17,680 --> 00:34:20,680
Speaker 1: to work. So keep that in mind too. I just

705
00:34:20,719 --> 00:34:25,960
Speaker 1: think taking money out of a property that's meant to

706
00:34:26,080 --> 00:34:29,520
Speaker 1: be used to like enhance the property, you just don't.

707
00:34:29,680 --> 00:34:31,080
Speaker 1: I just don't want you to not to use it

708
00:34:31,120 --> 00:34:33,279
Speaker 1: to enhance the property. And now you've pulled money out,

709
00:34:33,560 --> 00:34:35,640
Speaker 1: you own more, but the property is not worth more.

710
00:34:35,840 --> 00:34:39,040
Speaker 2: So that's just my biggest concern. Yeah, I mean it

711
00:34:39,040 --> 00:34:42,000
Speaker 2: sounds like pretty, you know, it's not like she's talking

712
00:34:42,040 --> 00:34:45,320
Speaker 2: about interior design, like the floors are cracking, paint is peeling.

713
00:34:45,480 --> 00:34:48,680
Speaker 2: Like I think if you like maybe you could scale

714
00:34:48,760 --> 00:34:50,880
Speaker 2: back what you were planning to do and just do

715
00:34:51,000 --> 00:34:54,279
Speaker 2: the bare necessities, especially with like winter coming up. I mean,

716
00:34:54,320 --> 00:34:56,080
Speaker 2: I think, you know, it's not a bad time to

717
00:34:56,239 --> 00:34:58,200
Speaker 2: do a project like this, Like Tiffany said, people are

718
00:34:58,200 --> 00:35:00,919
Speaker 2: probably looking for work, and if it's interior work, that's

719
00:35:00,920 --> 00:35:03,719
Speaker 2: a bit more appealing the twelve thousand dollars that you've

720
00:35:03,719 --> 00:35:05,640
Speaker 2: got sitting in your bank account. You know, not I

721
00:35:05,680 --> 00:35:08,480
Speaker 2: can't think of any necessarily downsides to not using it.

722
00:35:08,840 --> 00:35:12,000
Speaker 2: But if it's I mean, if you've got stable income,

723
00:35:12,680 --> 00:35:14,759
Speaker 2: you don't mention if you've already got you know, a

724
00:35:14,760 --> 00:35:17,200
Speaker 2: little bit of savings set aside, or a lot of

725
00:35:17,200 --> 00:35:19,640
Speaker 2: bit of savings hopefully you know, if you were to

726
00:35:19,680 --> 00:35:22,040
Speaker 2: lose your job, then you know, I don't see any

727
00:35:22,040 --> 00:35:25,920
Speaker 2: harm in it. But like I'm like making a mental

728
00:35:26,080 --> 00:35:28,920
Speaker 2: pros and cons list. If you want to sell the

729
00:35:29,000 --> 00:35:30,840
Speaker 2: house and you know you need to do the repairs,

730
00:35:31,320 --> 00:35:34,960
Speaker 2: then I would say, Okay, that's that's a reasonable use

731
00:35:35,040 --> 00:35:37,200
Speaker 2: of funds that you've taken out against the equity in

732
00:35:37,200 --> 00:35:38,600
Speaker 2: your home. That makes a lot of sense. A lot

733
00:35:38,680 --> 00:35:40,960
Speaker 2: of people, like I feel like that's the most popular

734
00:35:41,520 --> 00:35:44,000
Speaker 2: reason for taking out a home equity loan. And if

735
00:35:44,040 --> 00:35:46,719
Speaker 2: you feel, you know, relatively stable in your job. And yeah,

736
00:35:47,080 --> 00:35:50,239
Speaker 2: I don't see a huge problem with that personally from

737
00:35:50,239 --> 00:35:52,920
Speaker 2: my experience doing home improvement projects. It's that it doesn't

738
00:35:52,920 --> 00:35:55,520
Speaker 2: all happen at once, and you may be able to

739
00:35:55,840 --> 00:35:58,120
Speaker 2: you know, spread the workout over several months so you

740
00:35:58,120 --> 00:36:00,680
Speaker 2: don't have to fork over the entire twelve thousand dollars

741
00:36:00,719 --> 00:36:03,200
Speaker 2: right away, and that may help, you know, hedge against

742
00:36:03,200 --> 00:36:05,000
Speaker 2: some of the risk. So if you don't have to

743
00:36:05,040 --> 00:36:07,000
Speaker 2: spend it all, you know, you can be saving on

744
00:36:07,080 --> 00:36:09,720
Speaker 2: the back end, you know, trying to replenish your savings

745
00:36:09,760 --> 00:36:12,120
Speaker 2: as you you know, use those funds to fund your

746
00:36:12,120 --> 00:36:14,200
Speaker 2: project and then feel a little bit more you know,

747
00:36:14,360 --> 00:36:17,680
Speaker 2: confident moving forward. And then worse comes to worse if

748
00:36:17,680 --> 00:36:20,160
Speaker 2: something bad happens, you know, you lose your job or

749
00:36:20,200 --> 00:36:23,160
Speaker 2: a source of income or whatnot, then you may not

750
00:36:23,239 --> 00:36:25,480
Speaker 2: have used all of the funds and just a portion

751
00:36:25,560 --> 00:36:27,319
Speaker 2: of it. So if you're going to be working with

752
00:36:27,520 --> 00:36:30,880
Speaker 2: a certain company or contractor, you know, ask how they

753
00:36:30,880 --> 00:36:32,799
Speaker 2: would like to be paid and how many installments and

754
00:36:32,840 --> 00:36:34,520
Speaker 2: over what period of time, and that can give you

755
00:36:34,600 --> 00:36:37,520
Speaker 2: a better sense of you know, how far you can

756
00:36:37,560 --> 00:36:41,239
Speaker 2: spread the payments out. Whoof I really dug deep for that.

757
00:36:41,360 --> 00:36:44,799
Speaker 2: So I hope that was helpful. And again Tiff and

758
00:36:44,840 --> 00:36:47,759
Speaker 2: I are you know, they adjust our ideas. Ultimately, you

759
00:36:47,840 --> 00:36:49,799
Speaker 2: got to do what works you know best for you.

760
00:36:50,480 --> 00:36:51,120
Speaker 1: And that's that.

761
00:36:51,280 --> 00:36:54,919
Speaker 2: On that, on that, how you feel? One more question?

762
00:36:55,000 --> 00:36:58,959
Speaker 2: Or should we boost and break? Break? All right, let's

763
00:36:58,960 --> 00:37:00,840
Speaker 2: do this and lesson an hour or for the first

764
00:37:00,840 --> 00:37:02,320
Speaker 2: time in a long time.

765
00:37:03,200 --> 00:37:08,760
Speaker 1: And now it's time to boost a break or boost uber.

766
00:37:11,400 --> 00:37:13,440
Speaker 1: You can boost Landy, are you gonna break?

767
00:37:14,120 --> 00:37:15,920
Speaker 2: I'm gonna do a boost because I feel like I

768
00:37:15,960 --> 00:37:17,760
Speaker 2: need a mental boost and I have a double boost

769
00:37:17,960 --> 00:37:22,040
Speaker 2: you right. First boost is for those of you who

770
00:37:22,080 --> 00:37:24,560
Speaker 2: want to get COVID tested, but you have been seeing,

771
00:37:24,600 --> 00:37:27,080
Speaker 2: like we've been seeing in our area, really long lines

772
00:37:27,520 --> 00:37:29,920
Speaker 2: outside of urgent carres that do it, like rapid testing.

773
00:37:29,960 --> 00:37:32,399
Speaker 2: Whatever the line is for, it's very long. We've found

774
00:37:32,440 --> 00:37:35,280
Speaker 2: this company called Pixel Lab. This is not an endorsement.

775
00:37:35,440 --> 00:37:37,920
Speaker 2: I just use this company twice. You can order your

776
00:37:38,239 --> 00:37:41,600
Speaker 2: vaccine not your vaccine, whoa no, not a vaccine. You

777
00:37:41,640 --> 00:37:44,600
Speaker 2: can order your test kit for COVID online. They mail

778
00:37:44,640 --> 00:37:47,600
Speaker 2: it to you overnight. You do a little nasal swab,

779
00:37:47,640 --> 00:37:49,799
Speaker 2: put it back in the little tube and you ship

780
00:37:49,840 --> 00:37:52,480
Speaker 2: it off to them again overnight and I got my

781
00:37:52,560 --> 00:37:55,480
Speaker 2: results back and maybe three business days from after I

782
00:37:55,520 --> 00:37:58,680
Speaker 2: mailed it, so it's pretty fast and you didn't have

783
00:37:58,680 --> 00:38:01,719
Speaker 2: to leave the house. It's really safe. So I'm going

784
00:38:01,800 --> 00:38:04,640
Speaker 2: to drop a link to Pixel lab Core in the

785
00:38:04,680 --> 00:38:08,239
Speaker 2: show notes because I have found friends and family don't

786
00:38:08,239 --> 00:38:11,760
Speaker 2: want to get tested because it's a hassle and with Pixel,

787
00:38:11,880 --> 00:38:14,239
Speaker 2: I just and maybe there's other companies besides Pixel, but

788
00:38:14,880 --> 00:38:16,920
Speaker 2: this is the place that my family has used a

789
00:38:16,960 --> 00:38:19,160
Speaker 2: few times now, and you can order kit. I've ordered

790
00:38:19,200 --> 00:38:22,040
Speaker 2: two kits and although it says it's one hundred and

791
00:38:22,120 --> 00:38:25,279
Speaker 2: nineteen dollars at checkout, if you put your insurance information in.

792
00:38:25,400 --> 00:38:27,719
Speaker 2: You know, thanks to the one piece of legislation that

793
00:38:27,800 --> 00:38:31,440
Speaker 2: was passed this year, it made COVID testing free, so

794
00:38:31,480 --> 00:38:33,640
Speaker 2: you should be able to get a free COVID test

795
00:38:34,040 --> 00:38:37,200
Speaker 2: through Pixel. So that's my boost for that, and I

796
00:38:37,239 --> 00:38:39,360
Speaker 2: promise a double boost. The other side of my boost

797
00:38:39,480 --> 00:38:42,160
Speaker 2: is have you had Tiffany? You're so busy, but I

798
00:38:42,200 --> 00:38:44,040
Speaker 2: wanted to shout out. I know you probably haven't watched

799
00:38:44,040 --> 00:38:46,480
Speaker 2: it yet, but there is a black Andy black, black

800
00:38:46,520 --> 00:38:51,759
Speaker 2: black Netflix movie Christmas movie called Jingle Jangle. I can't wait.

801
00:38:51,760 --> 00:38:54,080
Speaker 2: It looks so good. I'm saving it for this weekend

802
00:38:54,080 --> 00:38:55,920
Speaker 2: because I want to, like, or whenever we get our

803
00:38:55,960 --> 00:38:58,600
Speaker 2: Christmas tree, I want to like watch Jingle Jangle? Who

804
00:38:58,680 --> 00:39:01,279
Speaker 2: is it? Having? It has? What's the guy from the

805
00:39:01,320 --> 00:39:05,080
Speaker 2: Last King of Scotland forest would occur? I believe Keegan Michael.

806
00:39:05,120 --> 00:39:07,840
Speaker 2: Wait what's that? I always get them confused, Keegan Michael,

807
00:39:07,920 --> 00:39:12,200
Speaker 2: Peel or no Key and Peel, the tall one, the

808
00:39:12,280 --> 00:39:15,800
Speaker 2: non horror movie one. He's isn't it? And I feel

809
00:39:15,800 --> 00:39:17,200
Speaker 2: like it's a musical or something. I don't know. It

810
00:39:17,200 --> 00:39:18,759
Speaker 2: looks amazing and I can't wait.

811
00:39:19,120 --> 00:39:21,480
Speaker 1: Now that I've been hearing some people who are honestly

812
00:39:21,640 --> 00:39:25,120
Speaker 1: like not into someone said there, like I don't even

813
00:39:25,160 --> 00:39:27,759
Speaker 1: like musicals, but girl, this musical gave me life. So

814
00:39:27,800 --> 00:39:30,560
Speaker 1: I'm actually really excited to watch because you know, sometimes

815
00:39:30,560 --> 00:39:33,319
Speaker 1: you need like a freaking mental break, you know.

816
00:39:33,440 --> 00:39:37,640
Speaker 2: Yes, we need this collectively. Yes, you should definitely watch

817
00:39:37,719 --> 00:39:38,240
Speaker 2: it for sure.

818
00:39:38,760 --> 00:39:42,120
Speaker 1: Well, my boost other than go ahead on and take

819
00:39:42,160 --> 00:39:44,319
Speaker 1: the financial Homeless Squiz, It's only two minutes and ten

820
00:39:44,440 --> 00:39:48,520
Speaker 1: questions at GGW money dot com. Is there is I

821
00:39:48,520 --> 00:39:52,880
Speaker 1: have a new fave IG page. I'm trying to find him.

822
00:39:52,920 --> 00:39:56,080
Speaker 1: His name starts as Neil. Let me find him. So

823
00:39:56,280 --> 00:40:01,759
Speaker 1: Neil qatal any a l k a yl. He is

824
00:40:01,800 --> 00:40:07,200
Speaker 1: a Supreme Court lawyer, a law professor, an extremist centrist,

825
00:40:07,360 --> 00:40:10,719
Speaker 1: and a former US Acting Solicitor General. I don't know

826
00:40:10,719 --> 00:40:13,080
Speaker 1: all that things. And so oh he argued forty one

827
00:40:13,120 --> 00:40:17,200
Speaker 1: cases in front of RBG. Wow, So anyway Neil's officiale okay.

828
00:40:17,600 --> 00:40:20,640
Speaker 1: So Neil has been doing something called court Side with Neil,

829
00:40:21,239 --> 00:40:25,760
Speaker 1: a discussion of the post election litigation attempting to reverse

830
00:40:25,800 --> 00:40:28,360
Speaker 1: the election results. And when I tell you, Mandy, life,

831
00:40:28,400 --> 00:40:31,160
Speaker 1: because you have this man who is one, he's like

832
00:40:31,200 --> 00:40:33,040
Speaker 1: really like, you know, down to earth. I don't know

833
00:40:33,040 --> 00:40:35,040
Speaker 1: how he manages to explain law in a way that

834
00:40:35,160 --> 00:40:39,080
Speaker 1: like anyone can understand. But any anxiety that you might

835
00:40:39,120 --> 00:40:41,560
Speaker 1: have felt post elections saying well, I'm not gonna I'm

836
00:40:41,560 --> 00:40:46,120
Speaker 1: not gonna feel good until you know president electorsworna and girl,

837
00:40:46,440 --> 00:40:49,239
Speaker 1: I don't feel no anxiety because Neil has broken down

838
00:40:49,360 --> 00:40:52,319
Speaker 1: all the tea with the light. So he is like.

839
00:40:52,360 --> 00:40:55,040
Speaker 1: What I love about Neil's that clearly he's like genius,

840
00:40:55,040 --> 00:40:58,040
Speaker 1: super smart, you know, super accomplished. But he's also slightly shady,

841
00:40:58,200 --> 00:40:59,920
Speaker 1: so he adds all that together, which is the.

842
00:41:01,560 --> 00:41:02,200
Speaker 2: Shadiness.

843
00:41:02,400 --> 00:41:04,520
Speaker 1: Love it. But what I really like about Neil is

844
00:41:04,520 --> 00:41:08,279
Speaker 1: that since the election, he's really like broken down, Like

845
00:41:08,640 --> 00:41:13,760
Speaker 1: so current president has lost twenty twenty I guess whatever

846
00:41:14,480 --> 00:41:17,080
Speaker 1: lawsuits that he's brought forth, and how none of them

847
00:41:17,080 --> 00:41:19,759
Speaker 1: have gone through, and how even in Arizona they're not

848
00:41:19,760 --> 00:41:21,680
Speaker 1: saying this, but his own lawyer said, no, we don't

849
00:41:21,680 --> 00:41:23,279
Speaker 1: think that there's fraud because in order for you to

850
00:41:23,280 --> 00:41:25,279
Speaker 1: bring fraud to a court, to the court, you have

851
00:41:25,320 --> 00:41:28,320
Speaker 1: to come with proof. But he just breaks down everything.

852
00:41:28,600 --> 00:41:31,640
Speaker 1: So if you're feeling any anxiety about post election, even

853
00:41:31,640 --> 00:41:34,200
Speaker 1: though you're like, I'm pretty sure we're good, go head

854
00:41:34,200 --> 00:41:37,600
Speaker 1: on to Neil katal n e A l KA t

855
00:41:37,880 --> 00:41:41,160
Speaker 1: y A L and watch some of his court side

856
00:41:41,200 --> 00:41:43,200
Speaker 1: Like IG shows there like three or four minutes long.

857
00:41:43,680 --> 00:41:46,759
Speaker 1: It's just, like I said, super smart, a little bit

858
00:41:46,760 --> 00:41:48,840
Speaker 1: of shady, but very entertaining.

859
00:41:49,320 --> 00:41:51,600
Speaker 2: Oh I love that. I'm going to need because I've

860
00:41:51,640 --> 00:41:57,200
Speaker 2: been feasting on Prete. Burarra's the former what's it called

861
00:41:57,239 --> 00:41:59,479
Speaker 2: Attorney General for New York. He was fired by Trump

862
00:41:59,480 --> 00:42:02,160
Speaker 2: and a tweet like everyone else. He has a podcast

863
00:42:02,200 --> 00:42:05,239
Speaker 2: called cafe cafe something, what's it called preet Burarra. We

864
00:42:05,280 --> 00:42:07,400
Speaker 2: can LinkedIn and then show notes, and he had only

865
00:42:07,440 --> 00:42:09,920
Speaker 2: one episode and I was like, give me more, give

866
00:42:09,960 --> 00:42:13,239
Speaker 2: me more rational thinking, legal minds about what is because

867
00:42:13,400 --> 00:42:16,080
Speaker 2: I don't know how this all happens. And I feel

868
00:42:16,080 --> 00:42:18,440
Speaker 2: exactly like you were saying, Tiff, like I want to

869
00:42:18,440 --> 00:42:21,000
Speaker 2: be excited, but like court stuff, I don't know how

870
00:42:21,040 --> 00:42:23,919
Speaker 2: this works, litigation. What love it? So his name is Neil,

871
00:42:23,960 --> 00:42:27,040
Speaker 2: we'll link it in the in the show notes. That's

872
00:42:27,120 --> 00:42:28,520
Speaker 2: that's dope. I can't wait.

873
00:42:28,840 --> 00:42:30,360
Speaker 1: Yeah, so I think like, yeah, like I said, it

874
00:42:30,400 --> 00:42:33,439
Speaker 1: was just I mean, it was actually h Questlove from

875
00:42:33,440 --> 00:42:36,319
Speaker 1: the Roots crew. So he like shared I didn't even

876
00:42:36,360 --> 00:42:37,759
Speaker 1: know I was following Questlove, but he shared one of

877
00:42:37,800 --> 00:42:40,040
Speaker 1: his videos and I watched it. I was like, oh,

878
00:42:40,400 --> 00:42:42,440
Speaker 1: and so now he posts on something almost every day.

879
00:42:42,480 --> 00:42:44,759
Speaker 1: It's just really honestly, what I like about it too,

880
00:42:44,800 --> 00:42:46,800
Speaker 1: is that it's it's very like, it's not just entertaining,

881
00:42:46,880 --> 00:42:50,560
Speaker 1: it's very informational from like and you know, just someone

882
00:42:50,600 --> 00:42:54,560
Speaker 1: who has not just studied law, but you know, practice

883
00:42:54,640 --> 00:42:57,920
Speaker 1: laws for a long time. And then you're like, oh

884
00:42:57,960 --> 00:42:59,799
Speaker 1: and then when then when you watch I'm not gonna lie.

885
00:42:59,800 --> 00:43:01,600
Speaker 1: When you watch like Fox and the News, you're like,

886
00:43:02,560 --> 00:43:05,799
Speaker 1: this is really bad they are. They are reporting in

887
00:43:05,840 --> 00:43:10,000
Speaker 1: such an egregious way that you're like wow, because none

888
00:43:10,040 --> 00:43:13,160
Speaker 1: of what they're saying is actually happening. They're like straight lying,

889
00:43:13,200 --> 00:43:15,440
Speaker 1: and you kind of know that, but to hear from

890
00:43:15,440 --> 00:43:18,560
Speaker 1: a legal perspective, you're like, this is really really bad.

891
00:43:18,640 --> 00:43:25,640
Speaker 2: So I mean, like I said, enjoy love it all? Right, Well,

892
00:43:25,760 --> 00:43:28,160
Speaker 2: one more week until wait, two more weeks until things.

893
00:43:28,160 --> 00:43:29,960
Speaker 2: Give me what's happening next week? I don't know. I'm

894
00:43:30,000 --> 00:43:32,879
Speaker 2: on vacation next week. I cannot wait. I can't wait

895
00:43:32,920 --> 00:43:34,719
Speaker 2: to just be one thing. All I gotta be is

896
00:43:34,760 --> 00:43:37,880
Speaker 2: Mandy the mom during the week. That's gonna be really nice.

897
00:43:38,040 --> 00:43:40,759
Speaker 2: We'll still take our show, but I'm really looking forward

898
00:43:40,760 --> 00:43:44,120
Speaker 2: to taking some time off, and I just if you haven't,

899
00:43:44,120 --> 00:43:47,279
Speaker 2: I feel fortunate. I feel a little guilty because I

900
00:43:47,320 --> 00:43:50,320
Speaker 2: know a lot of people are struggling, and I feel

901
00:43:50,440 --> 00:43:53,319
Speaker 2: very fortunate. It's like the survivor's guilt that I have

902
00:43:53,400 --> 00:43:56,040
Speaker 2: the opportunity to take paid time off. I got to

903
00:43:56,080 --> 00:43:58,040
Speaker 2: figure out some way to get back, but I'm going

904
00:43:58,120 --> 00:44:00,680
Speaker 2: to try try to at least with some of it

905
00:44:00,719 --> 00:44:03,520
Speaker 2: and take a load off because it has been a year, yes,

906
00:44:03,719 --> 00:44:06,040
Speaker 2: and several years in one, like you said. And if

907
00:44:06,040 --> 00:44:08,680
Speaker 2: you haven't, even though holidays are kind of lowercase ce

908
00:44:08,880 --> 00:44:12,319
Speaker 2: canceled this year, still take your time off, even if

909
00:44:12,360 --> 00:44:14,600
Speaker 2: it's just to sit around and watch Jingle Jangle on

910
00:44:14,680 --> 00:44:18,400
Speaker 2: repeat on Netflix a million times. I think if you

911
00:44:18,520 --> 00:44:21,759
Speaker 2: have the opportunity and the blessing to have some time off,

912
00:44:22,560 --> 00:44:24,959
Speaker 2: take it, enjoy it in whatever way you can. Let's

913
00:44:24,960 --> 00:44:27,920
Speaker 2: make the most of this. Yes, I agree, I agree.

914
00:44:28,080 --> 00:44:30,080
Speaker 1: Now is really the time to really dig into what

915
00:44:30,120 --> 00:44:32,399
Speaker 1: you're truly, truly thankful for and lead into that more

916
00:44:32,440 --> 00:44:33,240
Speaker 1: than anything else.

917
00:44:33,760 --> 00:44:36,240
Speaker 2: And if you have gift ideas, let me know, because

918
00:44:37,000 --> 00:44:38,560
Speaker 2: I don't know what to get anybody. I'm like but

919
00:44:38,640 --> 00:44:42,239
Speaker 2: dazzled face masks, like what do you get people? All right,

920
00:44:42,320 --> 00:44:45,200
Speaker 2: y'all take care and we will see y'all next week,

921
00:44:45,680 --> 00:44:54,560
Speaker 2: next week,