WEBVTT - Ep 243 - Can I Save When It Doesn't Seem Like There's Enough?

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<v Speaker 1>Mandra, Do you know what I need? I need to

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<v Speaker 1>walk in these streets in my BA swag. You know

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

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<v Speaker 1>your own Brown Boost. What an awesome phrase. I cannot

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<v Speaker 1>wait to wear that on my chest like Superman. And

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<v Speaker 1>what I'm really excited for, though, is I am a

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<v Speaker 1>sweatshirt and like hoodie girl. So the classic Brown Ambition

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<v Speaker 1>logo sweatshirt has my name all over it. But where

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<v Speaker 1>can I go? Where can I find it?

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<v Speaker 2>I was hoping you would ask Young Tiffany. Tiffany, get

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<v Speaker 2>your Brown Ambition swag at Brown Ambitionstore dot com. Five

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<v Speaker 2>years in the game, we finally have merch for you guys.

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<v Speaker 2>So get your Brown Ambition hoodie, your Brown Ambition crew

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<v Speaker 2>neck tea, get a onesie for your littles. We got

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

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<v Speaker 2>your own Brown Boost T shirt for sure. We have

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<v Speaker 2>a Brown Ambition mug, which my family is most excited about.

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<v Speaker 2>I had to do the fifteen out size for my

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<v Speaker 2>big sister because she drinks coffee Like nobody's business.

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<v Speaker 1>Oh you know, I'm the budget nesh to write any

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<v Speaker 1>special offer.

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

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<v Speaker 2>with Brown Ambition fifteen, that's promo code Brown Ambition fifteen

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<v Speaker 2>all one word, you can get fifteen percent off your

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<v Speaker 2>order at Brown ambitionstore dot com.

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<v Speaker 1>I can't wait to see y'all in these BA streets

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<v Speaker 1>repping BA bam with your BA swag.

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<v Speaker 2>Hey, Hey hey.

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<v Speaker 1>We're back, We're black, We're Brown Ambition.

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<v Speaker 2>Hey, hey came to eat you a lot.

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<v Speaker 1>Yes, you know, when you're like so tired, you're like delirious.

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<v Speaker 1>So that's where I am right now. I am in delirium.

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<v Speaker 1>It's been a very big day.

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<v Speaker 2>That is a feeling that I think for sure I

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<v Speaker 2>know deeply what's going on. A tour, A tour EXTRAORDINAI

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<v Speaker 2>well said, Tiffany.

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<v Speaker 1>Today's a Today was a good day. Well, no, today

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<v Speaker 1>I dropped the cover. So I don't know if I

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<v Speaker 1>mentioned it on BA with BA fan. But I've been

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<v Speaker 1>writing a book for the last I don't even know

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<v Speaker 1>what is it, like, you know, since twenty twenty, so

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<v Speaker 1>how many twenty years? Because twenty years fits into this

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<v Speaker 1>twenty year? Well, yeah, I signed a big book deal

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<v Speaker 1>with Penguin Random House earlier this year, and I got

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<v Speaker 1>to writing, and I already had an idea of something

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<v Speaker 1>that I call financial holeness. It's like these ten key

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<v Speaker 1>components that you need to achieve, almost like financial well,

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<v Speaker 1>I call it financial holeness. Like so it's like it

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<v Speaker 1>helps you to live your better life, achieve your biggest goals,

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<v Speaker 1>and to really live a richer life. Because I feel

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<v Speaker 1>like financial freedom is is a big fat lie. And

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<v Speaker 1>I never felt comfortable preaching financial freedom to my dream

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<v Speaker 1>catchers because I knew damn well that most people were

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<v Speaker 1>not going to attain financial freedom, which most people define

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

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<v Speaker 1>right now, you know, so they don't even I don't

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<v Speaker 1>think people think of like retirement as financial freedom. They

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<v Speaker 1>think on financial freedom as like a pile of money.

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

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<v Speaker 1>that's cool for some people. But I felt like it

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<v Speaker 1>felt exclusive and elusive, and so I came up with

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<v Speaker 1>financial wholeness, which everyone can achieve, whether you're a mechanic,

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<v Speaker 1>a doctor, a teacher, NBA player, That it's ten components

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<v Speaker 1>that you just have to get under control and you

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<v Speaker 1>can be okay financially. And so I wrote a book

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<v Speaker 1>about it called Get Good with Money. I posted it

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<v Speaker 1>on my socials. You're my ig. You should see it today.

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

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<v Speaker 1>I'm just really proud of it, Mandra and today it

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

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<v Speaker 1>that I created a quiz because some people are like, well,

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<v Speaker 1>how do I know what percentage of financial holeness? I am,

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<v Speaker 1>so I created this quiz where you take it. It's

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<v Speaker 1>two minutes, ten questions, and by the end you will

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<v Speaker 1>know what percentage of financial hollness You've already accomplished. And

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<v Speaker 1>I sent you like a little freebe a checklist to

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<v Speaker 1>see like what you have left to do? And then

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<v Speaker 1>you know in March twenty twenty one when the book

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<v Speaker 1>comes out, I can help you on that journey if

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<v Speaker 1>you want to take that.

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<v Speaker 2>Can your quiz? Tell me what wholeness means? From my horoscope,

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<v Speaker 2>we should align with quizes.

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<v Speaker 1>Yeah, I know, I'm like, what Potato are you? I

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<v Speaker 1>always take those bud Fees quiz. It's like what Disney

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<v Speaker 1>Princess are you? If you like this house? But if

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<v Speaker 1>you want to take the quiz. The book is called

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<v Speaker 1>Get Good with Money and so the website is GGW

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<v Speaker 1>money dot com forget Good with GGW money dot com.

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<v Speaker 1>Take the two minute quiz and honestly tweet us like

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<v Speaker 1>or igs, I would love to know your financial homeless percentage.

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<v Speaker 1>Screenshot it, share it, tag us ba podcket, What are

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<v Speaker 1>we on?

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<v Speaker 2>I do again? Just look up Round Ambition Brown Ambition

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<v Speaker 2>podcast on ID and Man's Present. But I just hear

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<v Speaker 2>the racket happening.

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<v Speaker 1>Upstairs on the Bunjanisa and Mandy's Mandy Money. So tag

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<v Speaker 1>us we would love to see we're percentage of financial

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<v Speaker 1>homeless that you've achieved. But when I tell you the

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<v Speaker 1>level of you know how you just work so hard.

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<v Speaker 1>I feel like it's like the night of the play.

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<v Speaker 1>You know, you've worked for months and months and months

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<v Speaker 1>and months and and costume and makeup and this and

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<v Speaker 1>that and today is showtime, and so I'm just well, I.

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<v Speaker 2>Know, I mean, you talked about this, you know, off air,

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<v Speaker 2>but it definitely seemed like such a labor of love.

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<v Speaker 2>And I'm so proud of you and I'm happy for

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<v Speaker 2>this to be out in the world. When does it

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<v Speaker 2>come out again? Is it next? Bring?

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<v Speaker 1>So it comes out March twenty twenty one, the end

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<v Speaker 1>of March twenty twenty one.

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<v Speaker 2>So I'm going to get that book and my vaccine

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

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<v Speaker 2>supposed to come out in the spring. Yeah, I just.

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<v Speaker 1>I think that, like you say, wait, you say you're

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<v Speaker 1>going to get that book in your vaccine.

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

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<v Speaker 2>I was gonna be like Kelly, I made a joke

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<v Speaker 2>and tippy four minute mark? Can you cut that out

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<v Speaker 2>so people don't hitty me?

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<v Speaker 1>No? Are you only got to get vaccine? I'm nervous?

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<v Speaker 2>Oh up at the vaccine? I mean I I'll I'll

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<v Speaker 2>take Kamala Harris's line from the vice presidential debate when

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<v Speaker 2>she said, you know, if the scientists say it's okay,

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<v Speaker 2>then I'll take it. We did have another what was

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<v Speaker 2>it moderna today, and already Pfizer have released preliminary results

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<v Speaker 2>from their trials and they've been over ninety percent successful.

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<v Speaker 2>And all of the podcasts that I've listened to, news

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<v Speaker 2>and politics podcasts that have had scientists, you know, or

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<v Speaker 2>political or like scientific reporters talking about it have all

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<v Speaker 2>been like blown away by that figure ninety percent. So

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<v Speaker 2>I mean it sounds pretty good. But even if you

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<v Speaker 2>want to be first, I don't think you will be

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<v Speaker 2>unless you are like a first line you know, like

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<v Speaker 2>a nurse or someone operating, you know, on the front lines,

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<v Speaker 2>as they say, of the pandemic. I mean I would

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<v Speaker 2>like to get one, or at least I'm definitely open

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

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<v Speaker 2>Plus by then we'll have a different president and I'll

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<v Speaker 2>trust some stuff again.

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<v Speaker 1>Yeah that's true.

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

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

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<v Speaker 1>I want to tell you I am just one of

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<v Speaker 1>those days where we put in so much work. The

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<v Speaker 1>team and I were scrambled like up until the last minute,

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<v Speaker 1>like when you guys take the quiz, if you just

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<v Speaker 1>knew how much work and went into it, because I

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<v Speaker 1>really wanted to give people like a real scope of

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<v Speaker 1>like what is it that you need to do as

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<v Speaker 1>an adult to be okay? You know? And so I

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<v Speaker 1>mean I must have rewrote that quiz like fifty eleven times.

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<v Speaker 1>It was like vetted by everyone on the team and

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<v Speaker 1>taken again and again and again and again and again Andy,

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<v Speaker 1>where did it? Just the level of work that we

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

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<v Speaker 1>showtime Synergy the it's like everyone's doing even more work.

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<v Speaker 1>So I and tapped out, but I got just random aside.

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<v Speaker 1>Someone texts me and said, Tiffany, you know you I

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<v Speaker 1>had an awakening. I heard what you said about, you know,

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<v Speaker 1>looking for your therapists using a therapist finder, and it

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<v Speaker 1>just it hit me and I realized, like, you know,

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<v Speaker 1>I've been avoiding finding a therapist, and I too don't

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<v Speaker 1>experience super highs or super lows due to some trauma,

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<v Speaker 1>and I want to boom beyond it. And I just

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<v Speaker 1>thought like that's so beautiful and so and then the

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

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<v Speaker 1>my friend told me that, you know, you talked about

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<v Speaker 1>me on your podcast, and just like thank you so much.

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<v Speaker 1>And it was just like such a lovey dovey day.

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<v Speaker 1>And remember I talked about my friend Christina Aguilera and

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<v Speaker 1>you were like, oh, her name right, But I don't

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<v Speaker 1>know if the young woman that is a you know,

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<v Speaker 1>the the paralegal that was mistreated where she was. Christina

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<v Speaker 1>was like, girl, tell her to reach out to me.

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<v Speaker 1>So paralegal, who set your question? And we answered it.

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<v Speaker 1>Christina is like, yo, let me help you. She is

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<v Speaker 1>wide open to help. So isn't that awesome news?

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

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<v Speaker 2>week's show, just to just to I'm following the thread,

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

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<v Speaker 1>But I'm manic right now, so my bad.

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

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<v Speaker 2>So last week we had a question from listener Sandra,

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<v Speaker 2>and we actually got so basically, her issue was that

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<v Speaker 2>she had been let go from her law firm after

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<v Speaker 2>just a couple of weeks and was asking and really

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<v Speaker 2>felt like she was discriminated against because she was black.

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

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<v Speaker 2>if you know anybody who needs a paralegal or something

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

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<v Speaker 2>glad that you know your friend reached out, Tiff, because

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<v Speaker 2>we also got i think two or three two or

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<v Speaker 2>three messages from other listeners offering to help Sandra, which

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<v Speaker 2>is not her real name, I think we changed it

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<v Speaker 2>for the show. So if you're listening, Sandra, you know,

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<v Speaker 2>you know what your real name is, and hit us

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<v Speaker 2>up on Brown Ambitions, Instagram and the DMS, and I

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<v Speaker 2>will try to connect everybody and shout out to our

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<v Speaker 2>listeners for being so awesome and help y. Yeah, well

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

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

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<v Speaker 2>it's getting dark at like four fifteen pm here now,

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<v Speaker 2>and winter is coming and damn, what is going on

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<v Speaker 2>with this pandemic? Like I just it's it's pretty scary.

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<v Speaker 2>I mean, and I feel like we have a bit

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<v Speaker 2>of a responsibility. You know, the majority of our audience,

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<v Speaker 2>I know are you know, our black women, and this

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<v Speaker 2>this disease is truly coming for black and brown communities.

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<v Speaker 2>So I just want to say, you know, when it

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<v Speaker 2>comes to the holidays and you know, what's this time

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<v Speaker 2>with family that I know, you know, this is the

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<v Speaker 2>time we won't want to gather and be together. If

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

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<v Speaker 2>I'm walking the I'm walking the walk. My my little

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<v Speaker 2>brother who was so excited to come for Thanksgiving, which

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

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<v Speaker 2>My mom was supposed to come for two weeks. She

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<v Speaker 2>tries to come here every few months to help. She's

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<v Speaker 2>canceling her trip, and his first birthday is going to

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<v Speaker 2>be it's I'm still gonna make it fun. We're gonna

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<v Speaker 2>get balloons and I'm gonna make a cake and we'll

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<v Speaker 2>have just our you know, maybe four relatives, grandparents, and

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<v Speaker 2>then his uncle and aunt here with us. They're living

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<v Speaker 2>with us, they're quarantine with us anyway. But anyway, I

0:11:33.800 --> 0:11:36.960
<v Speaker 2>just just if you're thinking about it, don't be just

0:11:36.960 --> 0:11:41.000
<v Speaker 2>just cancel or down you know, downsize your your gathering,

0:11:41.040 --> 0:11:42.959
<v Speaker 2>because this is really going to make her break. I

0:11:42.960 --> 0:11:45.800
<v Speaker 2>think the next few months and you know, really lives

0:11:45.840 --> 0:11:48.480
<v Speaker 2>are at stake, and it's getting really scary. It is

0:11:48.480 --> 0:11:49.720
<v Speaker 2>getting really scary, truly.

0:11:50.720 --> 0:11:52.640
<v Speaker 1>I mean a friend of mine had it really really

0:11:52.679 --> 0:11:54.640
<v Speaker 1>bad where she was texting me like, I don't know

0:11:54.679 --> 0:11:57.600
<v Speaker 1>if I'm going to make it my girl, please don't

0:11:57.679 --> 0:12:02.560
<v Speaker 1>see that she had COVID really bad, and so she

0:12:02.640 --> 0:12:04.200
<v Speaker 1>thinks she got it from her best friend that had

0:12:04.200 --> 0:12:06.480
<v Speaker 1>gotten to that went to a restaurant because she my

0:12:06.559 --> 0:12:08.559
<v Speaker 1>friend actually doesn't go anywhere. You know, she's been really

0:12:08.559 --> 0:12:11.000
<v Speaker 1>careful at home, but her best friend came to visit her,

0:12:11.720 --> 0:12:15.319
<v Speaker 1>and her best friend had been to a restaurant before,

0:12:15.400 --> 0:12:17.760
<v Speaker 1>you know, before then she thinks that that's where she

0:12:17.800 --> 0:12:20.840
<v Speaker 1>got it from. But she was really scared, and honestly,

0:12:20.880 --> 0:12:23.160
<v Speaker 1>there were there were for for a good week and

0:12:23.200 --> 0:12:26.040
<v Speaker 1>a half, two weeks. We couldn't even like I would

0:12:26.080 --> 0:12:29.240
<v Speaker 1>call and she's like, I can't speak because that's how

0:12:29.320 --> 0:12:31.400
<v Speaker 1>much she was coughing and had a hard time breathing.

0:12:32.640 --> 0:12:34.440
<v Speaker 1>You know, she's young, and so I'm not gonna lie.

0:12:34.440 --> 0:12:35.160
<v Speaker 1>I was terrified, Like.

0:12:35.160 --> 0:12:36.560
<v Speaker 2>Oh my goodness, Oh my goodness, I'm like good because

0:12:36.559 --> 0:12:36.960
<v Speaker 2>she's got a.

0:12:37.000 --> 0:12:39.640
<v Speaker 1>Child and a husband, and it just really hit home

0:12:39.640 --> 0:12:41.200
<v Speaker 1>because I've had a couple of friends I've had it,

0:12:41.520 --> 0:12:44.920
<v Speaker 1>but for sure, she was the one that I was

0:12:45.000 --> 0:12:47.840
<v Speaker 1>most worried about because for her not to be able

0:12:47.880 --> 0:12:50.680
<v Speaker 1>to speak because of the coughing and her inability to

0:12:50.720 --> 0:12:54.480
<v Speaker 1>breathe was like terrifying. And so yeah, I called my

0:12:54.559 --> 0:12:56.360
<v Speaker 1>mom and I said, what are we gonna do for Thanksgiving?

0:12:56.480 --> 0:13:00.760
<v Speaker 1>She said, not a damn thing. She's like, she said,

0:13:00.800 --> 0:13:03.000
<v Speaker 1>I love y'all. But I'm gonna be right here in

0:13:03.040 --> 0:13:05.320
<v Speaker 1>this house. And I said, you know what, I understand

0:13:05.320 --> 0:13:08.800
<v Speaker 1>honestly because my dad is sex seventy seven. You know,

0:13:08.960 --> 0:13:11.320
<v Speaker 1>my mom is in her late sixties, and she's just like,

0:13:11.400 --> 0:13:12.280
<v Speaker 1>it's just not worth it.

0:13:12.360 --> 0:13:12.439
<v Speaker 2>You know.

0:13:12.480 --> 0:13:13.920
<v Speaker 1>Of course we're gonna miss you guys, but we want

0:13:13.920 --> 0:13:16.920
<v Speaker 1>to be able to see you like a vengance. So yeah,

0:13:17.080 --> 0:13:19.000
<v Speaker 1>like so my husband, honestly, we're just gonna it's just

0:13:19.000 --> 0:13:22.560
<v Speaker 1>gonna be us in the house and whatever. You know,

0:13:23.520 --> 0:13:24.840
<v Speaker 1>stovetopped stuff.

0:13:24.520 --> 0:13:26.080
<v Speaker 2>Again, take that.

0:13:27.600 --> 0:13:29.520
<v Speaker 1>I mean you can get it catered. Yeah, yeah, I

0:13:29.559 --> 0:13:34.720
<v Speaker 1>probably still am because you know, youdad, can you make

0:13:34.760 --> 0:13:37.600
<v Speaker 1>a dinner for three? You know, support your.

0:13:37.520 --> 0:13:40.680
<v Speaker 2>Local restaurants and order in if you you know, that's

0:13:40.720 --> 0:13:42.720
<v Speaker 2>not a because of course, the other side of this

0:13:42.880 --> 0:13:46.120
<v Speaker 2>is the fact that restaurants and these businesses are really

0:13:46.200 --> 0:13:49.720
<v Speaker 2>hurting right now. But I just like, lives are what's

0:13:49.760 --> 0:13:51.760
<v Speaker 2>really important, and it's a damn shame that, you know,

0:13:51.800 --> 0:13:54.040
<v Speaker 2>our government can't get it back together and put together

0:13:54.080 --> 0:13:57.080
<v Speaker 2>another stimulus package. So I know that people will hurt

0:13:57.080 --> 0:14:00.200
<v Speaker 2>in other ways, but yeah, I'm glad to hear that

0:14:00.240 --> 0:14:02.880
<v Speaker 2>you'll you're scaling back things too. M hm.

0:14:03.440 --> 0:14:06.040
<v Speaker 1>Remember what was the last time I had a huge Thanksgiving?

0:14:06.360 --> 0:14:08.480
<v Speaker 1>First Thanksgiving at the house, it was like forty people.

0:14:08.960 --> 0:14:12.000
<v Speaker 2>Yeah, no, I mean, aren't you glad you celebrated when

0:14:12.040 --> 0:14:14.640
<v Speaker 2>you had the chance. Yes, That's how I feel about

0:14:14.640 --> 0:14:16.360
<v Speaker 2>everything I did last year. I'm like, damn, I'm glad

0:14:16.360 --> 0:14:18.440
<v Speaker 2>I had a big baby shower party because that was

0:14:18.480 --> 0:14:22.000
<v Speaker 2>the last time I had a party. Yeah. Well, we

0:14:22.040 --> 0:14:23.920
<v Speaker 2>hope you guys are staying safe and well. If you

0:14:23.960 --> 0:14:27.200
<v Speaker 2>have any you know, tips or stories on how you've

0:14:27.200 --> 0:14:31.600
<v Speaker 2>made your virtual celebrations this past year fun and enjoyable,

0:14:31.800 --> 0:14:33.920
<v Speaker 2>let me know, because I'm trying to. I really want

0:14:33.960 --> 0:14:36.040
<v Speaker 2>to make his first birthday because I know what means

0:14:36.080 --> 0:14:38.320
<v Speaker 2>so much to my you know, he's the first grandchild

0:14:38.320 --> 0:14:41.120
<v Speaker 2>for all of my all of our parents, and the

0:14:41.160 --> 0:14:43.800
<v Speaker 2>first niece and nephew for my siblings and every niece

0:14:43.800 --> 0:14:47.120
<v Speaker 2>and nephew. What first nephew for my siblings. So, if

0:14:47.200 --> 0:14:49.479
<v Speaker 2>y'all have any tips on how to make a virtual

0:14:49.760 --> 0:14:54.080
<v Speaker 2>you know, birthday celebration like fun and not weird, I

0:14:54.120 --> 0:14:55.840
<v Speaker 2>was just going to put the laptop on the kitchen

0:14:55.840 --> 0:14:58.920
<v Speaker 2>isle and just let them watch all day. Oh, just

0:14:58.960 --> 0:15:05.200
<v Speaker 2>like froll on Truman show. Let me know because we'll

0:15:05.200 --> 0:15:06.440
<v Speaker 2>try and you know, make the most of it. But

0:15:06.440 --> 0:15:07.720
<v Speaker 2>I hope you guys are staying safe.

0:15:07.720 --> 0:15:10.040
<v Speaker 1>And I always think that's so crazy that poor babies

0:15:10.040 --> 0:15:12.640
<v Speaker 1>that they get like watched all the time. So my

0:15:12.800 --> 0:15:16.800
<v Speaker 1>sister says, Carroll, one of the two kids the investment, like,

0:15:16.880 --> 0:15:20.760
<v Speaker 1>you know, Guru, she grew not really, but she she

0:15:20.960 --> 0:15:22.920
<v Speaker 1>was like that, you know she she still has her

0:15:23.600 --> 0:15:25.600
<v Speaker 1>the baby monitor even though the kids are five and three,

0:15:26.320 --> 0:15:29.480
<v Speaker 1>and like when they're acting up, she is a whispering wait, wait,

0:15:29.800 --> 0:15:36.200
<v Speaker 1>mommy's watching. I think it's hilarious. They're like, Mommy, are

0:15:36.240 --> 0:15:40.080
<v Speaker 1>you watching? She's like, you know what. I just think

0:15:40.080 --> 0:15:43.600
<v Speaker 1>that that's so crazy that kids are. Like they're like,

0:15:44.080 --> 0:15:47.000
<v Speaker 1>before we throw another toy out of the windows screen

0:15:47.040 --> 0:15:50.920
<v Speaker 1>that we've ripped open, let's let's see.

0:15:50.720 --> 0:15:53.160
<v Speaker 2>If she's wait they the window open, Oh.

0:15:53.080 --> 0:15:55.760
<v Speaker 1>My god, the screen like and they started with just

0:15:55.760 --> 0:15:57.600
<v Speaker 1>playing and now there's a little hole there. So every

0:15:57.600 --> 0:15:59.880
<v Speaker 1>time I go to visit, like in on the ground

0:15:59.880 --> 0:16:01.760
<v Speaker 1>and in front of her apartment because they'll know the

0:16:01.760 --> 0:16:05.480
<v Speaker 1>ground floor, there's all these toys and I'm like, what

0:16:05.680 --> 0:16:09.680
<v Speaker 1>is this. She was like, oh, these kids when I

0:16:09.720 --> 0:16:11.440
<v Speaker 1>was a kid, My mom used to say something that

0:16:11.480 --> 0:16:13.480
<v Speaker 1>had never got to I got older, and she would say,

0:16:14.000 --> 0:16:17.400
<v Speaker 1>you guys don't like anything nice. And it's not as

0:16:17.440 --> 0:16:19.440
<v Speaker 1>I'm older that I look at my niece and my nephew.

0:16:19.440 --> 0:16:21.800
<v Speaker 1>I'm like, oh, this is what she means. You don't

0:16:21.840 --> 0:16:24.800
<v Speaker 1>like anything good? Why are you throwing your favorite toys outside?

0:16:24.920 --> 0:16:27.160
<v Speaker 1>And so now when I go over there, they're like

0:16:28.200 --> 0:16:29.800
<v Speaker 1>yum yum and moo moo. I'm like, what's that. There

0:16:29.840 --> 0:16:32.320
<v Speaker 1>are two stuffed animals they have the city dump and

0:16:32.360 --> 0:16:34.920
<v Speaker 1>I'm like what. So apparently my sister says when they

0:16:34.960 --> 0:16:36.680
<v Speaker 1>throw stuff out the window, She's like, I'm taking it

0:16:36.720 --> 0:16:38.760
<v Speaker 1>to the city dump. So the kids are delighting in

0:16:38.800 --> 0:16:41.040
<v Speaker 1>the fact that both their favorite stuffed animals are apparently

0:16:41.120 --> 0:16:42.480
<v Speaker 1>having a party at the city town.

0:16:44.760 --> 0:16:52.120
<v Speaker 2>I just waited, Okay, he's a listen. He's already a

0:16:52.200 --> 0:16:54.560
<v Speaker 2>handful like four grown adults right now, or can you

0:16:54.600 --> 0:16:57.600
<v Speaker 2>hear them? They're having trouble wrangling him. It's gonna be

0:16:57.760 --> 0:17:01.120
<v Speaker 2>good times, good times ahead. People. I know that I'm

0:17:01.120 --> 0:17:03.040
<v Speaker 2>supposed to say. I don't believe he's a year old,

0:17:03.080 --> 0:17:06.400
<v Speaker 2>but I'm like, listen, every last one of these three

0:17:06.480 --> 0:17:09.920
<v Speaker 2>hundred and something days I have felt from twenty four

0:17:09.960 --> 0:17:12.880
<v Speaker 2>hours of these days, I have felt it, and I'm

0:17:13.000 --> 0:17:15.280
<v Speaker 2>really really excited and it's it feels like such a

0:17:15.280 --> 0:17:17.159
<v Speaker 2>big milestone. So I just want to make it special

0:17:17.200 --> 0:17:19.399
<v Speaker 2>for him and everyone who survived it along with me.

0:17:21.200 --> 0:17:22.800
<v Speaker 2>That's all I have to say about the holidays.

0:17:23.320 --> 0:17:27.159
<v Speaker 1>Yeah, the holiday. Have you put up your tree yet?

0:17:27.600 --> 0:17:30.520
<v Speaker 2>So this is a bit of a controversial situation of

0:17:30.600 --> 0:17:32.720
<v Speaker 2>my family right now. You can't say the tea word

0:17:32.840 --> 0:17:36.720
<v Speaker 2>because the grandparents are the lessen. The grandmothers. Let's be real.

0:17:36.800 --> 0:17:39.960
<v Speaker 2>Abuela and Nana are super not happy with the fact

0:17:40.000 --> 0:17:42.000
<v Speaker 2>that I've decided not to do a traditional tree in

0:17:42.040 --> 0:17:44.560
<v Speaker 2>the house. My master plan is we're going to go

0:17:44.560 --> 0:17:46.760
<v Speaker 2>to a Christmas tree farm and we're gonna cut down

0:17:46.760 --> 0:17:48.359
<v Speaker 2>a big ass tree and we're gonna put it in

0:17:48.480 --> 0:17:49.119
<v Speaker 2>my front yard.

0:17:49.160 --> 0:17:50.480
<v Speaker 1>That's why you said that.

0:17:50.520 --> 0:17:53.000
<v Speaker 2>And light it all up because I don't feel like

0:17:53.080 --> 0:17:56.119
<v Speaker 2>chasing a toddler around the house, you know before you know,

0:17:56.160 --> 0:17:58.560
<v Speaker 2>and preventing him from knocking down the tree, which he

0:17:58.760 --> 0:18:02.720
<v Speaker 2>most certainly will do. Child climbs on everything. So I'm

0:18:02.760 --> 0:18:05.880
<v Speaker 2>excited about it. We're gonna I'm taking next week off

0:18:05.920 --> 0:18:07.879
<v Speaker 2>and I think we're gonna go like during the weekend,

0:18:07.920 --> 0:18:09.119
<v Speaker 2>get to chop down our tree.

0:18:09.960 --> 0:18:13.119
<v Speaker 1>Okay, yep, I mean do you do it yourself?

0:18:13.160 --> 0:18:14.560
<v Speaker 2>Like, I don't know, do you bring your own what

0:18:14.600 --> 0:18:15.399
<v Speaker 2>do you? How do you? I don't know.

0:18:15.440 --> 0:18:18.240
<v Speaker 1>I've never had a I've never had a real because

0:18:18.240 --> 0:18:21.040
<v Speaker 1>it seems like a lot of work. So we always

0:18:21.040 --> 0:18:22.960
<v Speaker 1>have like like the last tree had honestly was like

0:18:22.960 --> 0:18:25.080
<v Speaker 1>our prettiest tree. Yeah, I thought it was a fake tree.

0:18:25.119 --> 0:18:27.119
<v Speaker 1>We got like a nine footer because our ceilings are

0:18:27.200 --> 0:18:30.400
<v Speaker 1>nine feet, which probably wasn't the best idea. Probably should

0:18:30.400 --> 0:18:32.000
<v Speaker 1>have got seven foot because I didn't think about life,

0:18:32.040 --> 0:18:33.239
<v Speaker 1>you know.

0:18:32.840 --> 0:18:34.800
<v Speaker 2>Theo ago did you have to cut off a trunk

0:18:34.800 --> 0:18:35.520
<v Speaker 2>of it on top.

0:18:35.840 --> 0:18:38.040
<v Speaker 1>Bent it back? I was like whatever, But it was

0:18:38.080 --> 0:18:41.480
<v Speaker 1>just it was so beautiful and I was just like, yeah,

0:18:41.520 --> 0:18:42.880
<v Speaker 1>I don't see about and I think it was even

0:18:42.960 --> 0:18:45.600
<v Speaker 1>pre pre lit, which I love. And I just put

0:18:45.600 --> 0:18:48.880
<v Speaker 1>like some you know, like decorations out of whatever. So yeah,

0:18:48.880 --> 0:18:50.879
<v Speaker 1>I'm glad I got a lot of stuff last year

0:18:50.920 --> 0:18:52.480
<v Speaker 1>because I'm not gonna lie. I'm nervous to go out

0:18:52.480 --> 0:18:54.719
<v Speaker 1>there in these streets and I don't want to, you know,

0:18:55.320 --> 0:18:55.800
<v Speaker 1>get sick.

0:18:56.240 --> 0:18:57.800
<v Speaker 2>I really want to go to home goods and do

0:18:57.880 --> 0:19:00.440
<v Speaker 2>my whole like two hour shopping excursion around the holidays.

0:19:00.480 --> 0:19:04.880
<v Speaker 2>But it just seems now, it.

0:19:04.840 --> 0:19:07.920
<v Speaker 1>Seems like very decadent now, like ooh should I go outside?

0:19:07.960 --> 0:19:10.439
<v Speaker 1>Ooh living dangerously? You know?

0:19:10.680 --> 0:19:14.280
<v Speaker 2>Yeah, oh man, it's fine.

0:19:14.400 --> 0:19:20.520
<v Speaker 1>For my favorite part of this show questions put, isn't

0:19:20.520 --> 0:19:24.320
<v Speaker 1>that hoy san Spanish pragunta? Se Wait real quick question.

0:19:25.560 --> 0:19:29.160
<v Speaker 1>I saw this post on IG and that's a huh.

0:19:29.280 --> 0:19:32.440
<v Speaker 1>I thought it was unique because it said everyone had

0:19:32.440 --> 0:19:35.199
<v Speaker 1>an English teacher that completely changed their life, and I

0:19:35.240 --> 0:19:37.359
<v Speaker 1>did have one, and I thought, well, is that normal?

0:19:37.600 --> 0:19:39.320
<v Speaker 1>Did you have an English teacher that changed your life?

0:19:39.359 --> 0:19:40.680
<v Speaker 1>Mine was Kate Strauss.

0:19:41.240 --> 0:19:43.879
<v Speaker 2>You know when people like thank their teachers at award

0:19:43.960 --> 0:19:46.520
<v Speaker 2>ceremonies or they talk about it someplace, They're like, oh,

0:19:46.560 --> 0:19:49.160
<v Speaker 2>I love thank you so and so for your you know,

0:19:49.480 --> 0:19:52.200
<v Speaker 2>for believing in me or whatever. I don't remember any

0:19:52.280 --> 0:19:55.760
<v Speaker 2>of my teacher's names, like, and I know that's terrible.

0:19:56.280 --> 0:20:01.280
<v Speaker 2>I do remember my seventh grade English teacher's name, Lorie Cunningham,

0:20:01.480 --> 0:20:05.240
<v Speaker 2>I believe, but yeah, I But other than that, no,

0:20:05.400 --> 0:20:07.320
<v Speaker 2>And it's just because I'm a terrible person and remember

0:20:07.320 --> 0:20:09.560
<v Speaker 2>no one's name I always loved my English teachers. That

0:20:09.680 --> 0:20:12.520
<v Speaker 2>was my best subject, but can't remember their names.

0:20:12.880 --> 0:20:14.680
<v Speaker 1>Yeah, I just the only reason because Kate. I remember

0:20:14.760 --> 0:20:16.560
<v Speaker 1>it was like my I think it was junior year

0:20:16.640 --> 0:20:20.719
<v Speaker 1>and she was I was taking AP English Advanced Placement English,

0:20:20.720 --> 0:20:24.000
<v Speaker 1>and she was a super young teacher. She was like

0:20:24.160 --> 0:20:26.320
<v Speaker 1>twenty one or twenty two something like that, and she

0:20:26.600 --> 0:20:28.520
<v Speaker 1>just graduated from Princeton, so you know, she was full

0:20:28.560 --> 0:20:31.560
<v Speaker 1>of like all the like energy and you know, and

0:20:32.000 --> 0:20:35.199
<v Speaker 1>Westfield where I grew up was like largely white and

0:20:35.240 --> 0:20:37.560
<v Speaker 1>I was the only black person I believe in my

0:20:38.560 --> 0:20:41.159
<v Speaker 1>in my AP English class, and she just took such

0:20:41.160 --> 0:20:42.680
<v Speaker 1>a shine to me. I remember at first, I was like, oh,

0:20:42.720 --> 0:20:49.000
<v Speaker 1>what does she want? But she cause I was pretty shy.

0:20:49.280 --> 0:20:50.920
<v Speaker 1>I know you can't tell, but I was pretty shy

0:20:50.960 --> 0:20:52.320
<v Speaker 1>in high school. So I just used to be really

0:20:52.320 --> 0:20:53.800
<v Speaker 1>really really quiet. But then I would, you know, turn

0:20:53.840 --> 0:20:56.080
<v Speaker 1>in my work and stuff. And I remember we did

0:20:56.080 --> 0:20:58.600
<v Speaker 1>like a poetry unit and I really shone through. And

0:20:58.680 --> 0:21:01.800
<v Speaker 1>she's really like I used to write like so much

0:21:01.800 --> 0:21:04.440
<v Speaker 1>poetry back in the day. My poet my poet name

0:21:04.520 --> 0:21:08.320
<v Speaker 1>was poetic empress. Get into it spoken word, I make

0:21:08.359 --> 0:21:09.080
<v Speaker 1>that up? I did.

0:21:09.160 --> 0:21:12.159
<v Speaker 2>I just I remember you telling that story.

0:21:12.400 --> 0:21:15.640
<v Speaker 1>Yes, But what I really liked about her is that

0:21:15.680 --> 0:21:17.800
<v Speaker 1>she was like, you know, share some of yours. She's satifically,

0:21:17.800 --> 0:21:20.000
<v Speaker 1>you should have a recording of some of your poems,

0:21:20.040 --> 0:21:22.679
<v Speaker 1>and so, like, you know, during breaks or whatever, like

0:21:22.920 --> 0:21:25.800
<v Speaker 1>we would go to the library and like record like

0:21:25.880 --> 0:21:28.199
<v Speaker 1>me reading my poetry and then reading my angel and

0:21:28.200 --> 0:21:30.679
<v Speaker 1>reading and I still had them on video, and she

0:21:30.720 --> 0:21:32.960
<v Speaker 1>said you should keep it because you know, you it

0:21:33.040 --> 0:21:34.760
<v Speaker 1>would just be something that you can look back on

0:21:34.800 --> 0:21:37.119
<v Speaker 1>and whether or not this you know, you take this

0:21:37.200 --> 0:21:39.879
<v Speaker 1>into turns into something else, or whether you just have

0:21:39.960 --> 0:21:43.000
<v Speaker 1>it as an amazing memory. And it just was so yeah,

0:21:43.040 --> 0:21:45.800
<v Speaker 1>I just really loved that because it made me feel

0:21:46.119 --> 0:21:48.800
<v Speaker 1>like someone saw me and saw something special to me

0:21:48.840 --> 0:21:50.479
<v Speaker 1>when I didn't see that in myself because I'm one

0:21:50.520 --> 0:21:53.240
<v Speaker 1>of five kids and I'm going to this big old

0:21:53.320 --> 0:21:56.280
<v Speaker 1>high school and I don't look like anyone here really,

0:21:56.320 --> 0:21:58.280
<v Speaker 1>And then it was like, here's a teacher that really

0:21:58.280 --> 0:21:59.919
<v Speaker 1>saw me. And honestly, it gave me a lot of

0:22:00.080 --> 0:22:02.800
<v Speaker 1>confidence that I did not have. I was super self

0:22:02.600 --> 0:22:06.560
<v Speaker 1>conscious like most high school girls. So yeah, Kate Strauss

0:22:07.000 --> 0:22:09.560
<v Speaker 1>shout out to you. Actually googled her and I was like, oh,

0:22:09.640 --> 0:22:12.920
<v Speaker 1>I think she's an administrator now for a college. But yeah,

0:22:13.080 --> 0:22:14.920
<v Speaker 1>shout out to you, Kate Strauss. She made a huge

0:22:14.920 --> 0:22:15.840
<v Speaker 1>difference in my life.

0:22:17.119 --> 0:22:20.639
<v Speaker 2>That's lovely. You know. The teacher I remember was my

0:22:20.840 --> 0:22:25.400
<v Speaker 2>not my English teacher, but my fifth grade teacher, missus Parks,

0:22:25.520 --> 0:22:28.639
<v Speaker 2>because after my parents split up, we had to move

0:22:28.760 --> 0:22:30.720
<v Speaker 2>to a whole different county and the way that it

0:22:30.800 --> 0:22:33.639
<v Speaker 2>works in Georgia is that you just go to school

0:22:33.640 --> 0:22:36.639
<v Speaker 2>wherever you know you live, in your zip code or whatever.

0:22:37.080 --> 0:22:38.560
<v Speaker 2>So that meant we had to leave school in the

0:22:38.600 --> 0:22:41.160
<v Speaker 2>middle of the school year. Miss Parks was like, no, no, no,

0:22:41.240 --> 0:22:43.080
<v Speaker 2>I'm going to commute all the way to pick you

0:22:43.119 --> 0:22:45.320
<v Speaker 2>up from your uncle's house and take you to school

0:22:45.400 --> 0:22:48.440
<v Speaker 2>and back home every day. So she took my little

0:22:48.440 --> 0:22:50.399
<v Speaker 2>brother and I to and from school for like the

0:22:50.480 --> 0:22:52.919
<v Speaker 2>last couple of months of the year, which was just

0:22:52.960 --> 0:22:54.480
<v Speaker 2>so far and beyond. And she used to get me

0:22:54.560 --> 0:22:57.760
<v Speaker 2>McDonald's French fries. I'll then I forget that, and.

0:22:57.720 --> 0:23:00.359
<v Speaker 1>I remember how your dad is, Oh my god, wedding.

0:23:02.680 --> 0:23:05.879
<v Speaker 1>Your dad was like, my little Mandy, what was the

0:23:05.920 --> 0:23:08.240
<v Speaker 1>story and how much you loved the French fries?

0:23:08.960 --> 0:23:11.080
<v Speaker 2>Listen, my dad did give a speech at my wedding,

0:23:11.080 --> 0:23:13.560
<v Speaker 2>which apparently he prepared an advance and decided to tell

0:23:13.600 --> 0:23:15.720
<v Speaker 2>an anecdote about how I used to eat French fries

0:23:15.760 --> 0:23:19.399
<v Speaker 2>and not give him any as a child. Yes, and

0:23:19.480 --> 0:23:21.440
<v Speaker 2>I was not. I was a very rude little girl.

0:23:21.560 --> 0:23:23.720
<v Speaker 2>I was like, miss Parks, can we get the big

0:23:23.800 --> 0:23:28.960
<v Speaker 2>size fries? You know, a supersized letter?

0:23:31.200 --> 0:23:32.880
<v Speaker 1>Oh my god, honestly.

0:23:33.000 --> 0:23:34.840
<v Speaker 2>What was what much she have been thinking? She was

0:23:34.840 --> 0:23:36.760
<v Speaker 2>probably in her early twenties too, but you know, everyone

0:23:36.760 --> 0:23:39.840
<v Speaker 2>seems so like, you know, old and mature at that age.

0:23:39.920 --> 0:23:42.480
<v Speaker 2>But she was probably her first teaching job. Anyhow, yay,

0:23:42.640 --> 0:23:45.720
<v Speaker 2>love to teachers, love them.

0:23:45.880 --> 0:23:46.560
<v Speaker 1>What are we doing now?

0:23:46.680 --> 0:23:49.879
<v Speaker 2>Questions? Right? Okay, right, well I don't. We were like

0:23:49.880 --> 0:23:53.320
<v Speaker 2>pragunthas and then we were reminiscing about school days. This

0:23:53.400 --> 0:23:54.240
<v Speaker 2>is fine, but.

0:23:54.200 --> 0:24:29.480
<v Speaker 1>It was still a nice reministion. It's time for temple,

0:24:31.480 --> 0:24:33.440
<v Speaker 1>time for questions in espanel.

0:24:34.040 --> 0:24:36.679
<v Speaker 2>Yes, you should be on Sesame Street actually one day,

0:24:36.800 --> 0:24:38.520
<v Speaker 2>because I've watched a lot of that lately, and that

0:24:38.560 --> 0:24:42.080
<v Speaker 2>was very on Brandy. Well, let's take a question from

0:24:42.080 --> 0:24:45.080
<v Speaker 2>a listener, will keep her anonymous. This one is This

0:24:45.119 --> 0:24:48.439
<v Speaker 2>one's tough, but I think it's truly indicative of, you know,

0:24:48.480 --> 0:24:50.679
<v Speaker 2>one of the reasons why Congress really needs to get

0:24:50.720 --> 0:24:53.280
<v Speaker 2>us act together and do something about the situation for

0:24:53.320 --> 0:24:55.600
<v Speaker 2>families who are struggling. But this is this is a

0:24:55.720 --> 0:25:01.600
<v Speaker 2>question from a listener. We'll call her. Danielle. Daniell says, Hey, ladies,

0:25:01.600 --> 0:25:04.080
<v Speaker 2>So I'm having trouble saving. This has been for a

0:25:04.119 --> 0:25:06.960
<v Speaker 2>few years now. I'm originally from New Jersey and I

0:25:07.280 --> 0:25:11.120
<v Speaker 2>relocated to Savannah about five years ago. Between my significant

0:25:11.119 --> 0:25:14.240
<v Speaker 2>other and I we make about sixty five thousand dollars

0:25:14.280 --> 0:25:17.480
<v Speaker 2>a year. But still I'm having trouble saving. Right now,

0:25:17.520 --> 0:25:20.639
<v Speaker 2>we're paying six hundred dollars for the mortgage, Utilities are

0:25:20.640 --> 0:25:22.640
<v Speaker 2>about three point fifty, and we have a car note

0:25:22.680 --> 0:25:27.120
<v Speaker 2>which is about four seventy five. Thanks to coronavirus, are

0:25:27.119 --> 0:25:29.800
<v Speaker 2>one hundred dollars a week. Daycare bill we're no longer paying,

0:25:29.880 --> 0:25:32.199
<v Speaker 2>but groceries have gone up about three hundred dollars a

0:25:32.200 --> 0:25:34.840
<v Speaker 2>month because we're home all day. I see people giving

0:25:34.840 --> 0:25:36.960
<v Speaker 2>their tips on how to save, but these people are

0:25:36.960 --> 0:25:39.800
<v Speaker 2>making way more and never have kids. Is it possible

0:25:39.800 --> 0:25:42.080
<v Speaker 2>for me to save? Or should I be realistic and

0:25:42.200 --> 0:25:44.920
<v Speaker 2>realize saving is just not possible at this time, thank

0:25:44.920 --> 0:25:49.760
<v Speaker 2>you for your help. Essentially, really having trouble saving doesn't understand,

0:25:50.400 --> 0:25:52.480
<v Speaker 2>you know, where she's supposed to get the money to

0:25:52.520 --> 0:25:54.560
<v Speaker 2>save when there's just not enough.

0:25:55.160 --> 0:25:59.560
<v Speaker 1>And I think that it's okay to say I don't

0:25:59.640 --> 0:26:02.200
<v Speaker 1>have it to save. I mean, I know people don't

0:26:02.200 --> 0:26:05.280
<v Speaker 1>want to say that. There's always a way. Yes, sometimes

0:26:05.320 --> 0:26:08.199
<v Speaker 1>it's like it's food. It's not I'm not getting my

0:26:08.240 --> 0:26:10.119
<v Speaker 1>nails on, I'm not getting my hair done. It's food,

0:26:10.119 --> 0:26:13.040
<v Speaker 1>it's shelter, and I'm even late on that. So one

0:26:13.040 --> 0:26:14.480
<v Speaker 1>of the things I did when I was like at

0:26:14.520 --> 0:26:16.680
<v Speaker 1>my Brokes broke Is Brokes, when I honestly didn't even

0:26:16.680 --> 0:26:19.439
<v Speaker 1>have money for regular bills, is that I would, you know,

0:26:19.640 --> 0:26:21.440
<v Speaker 1>like if I had like fifty cents, if I had,

0:26:21.840 --> 0:26:23.359
<v Speaker 1>I would put it in a you know, in a

0:26:23.440 --> 0:26:25.320
<v Speaker 1>in a jar and say like, okay, every month, I'm

0:26:25.320 --> 0:26:26.960
<v Speaker 1>gonna save at least something. And I would put it

0:26:27.000 --> 0:26:28.520
<v Speaker 1>like in a but it was more I mean, I

0:26:28.520 --> 0:26:31.160
<v Speaker 1>would take it out later, but it was more ceremonial.

0:26:31.480 --> 0:26:33.639
<v Speaker 1>So I reminded I didn't get out of the habit

0:26:33.760 --> 0:26:37.640
<v Speaker 1>of setting aside something. But there are moments in life

0:26:37.800 --> 0:26:41.520
<v Speaker 1>when you just don't have it and and it's not

0:26:41.560 --> 0:26:45.200
<v Speaker 1>because you're being frivolous. It's because things are hard, and

0:26:45.359 --> 0:26:50.159
<v Speaker 1>that's okay. I don't savings is ideal, but it's not

0:26:50.359 --> 0:26:54.200
<v Speaker 1>always realistic in whatever situation you find yourself in. And

0:26:54.200 --> 0:26:55.800
<v Speaker 1>I would say, if there's not enough money, you have

0:26:55.920 --> 0:26:58.560
<v Speaker 1>one of one or two issues. Usually it's like it's

0:26:58.560 --> 0:27:02.240
<v Speaker 1>a don't make enough issue or spend too much issue.

0:27:02.440 --> 0:27:05.159
<v Speaker 1>Everyone's issue. Who's not saving is to spend too much issue.

0:27:05.160 --> 0:27:07.200
<v Speaker 1>Most people, that's the default. I don't have enough money,

0:27:07.200 --> 0:27:10.879
<v Speaker 1>you spent too much. Not always, sometimes I'm not making enough.

0:27:11.359 --> 0:27:14.119
<v Speaker 1>And so that's what I would really focus on. Instead

0:27:14.160 --> 0:27:17.240
<v Speaker 1>of stressing yourself out and making yourself feel bad that

0:27:17.320 --> 0:27:20.160
<v Speaker 1>maybe you're not able to save, it's asking yourself, are

0:27:20.200 --> 0:27:22.840
<v Speaker 1>there ways to make additional income so I have a

0:27:22.840 --> 0:27:25.399
<v Speaker 1>little bit more room? Can I ask for a raise

0:27:25.560 --> 0:27:28.119
<v Speaker 1>or promotion? Is there something I can do on the

0:27:28.240 --> 0:27:31.080
<v Speaker 1>side to bring some more income into the household. So,

0:27:31.240 --> 0:27:35.280
<v Speaker 1>but also you know, being easy on yourself. Not being

0:27:35.280 --> 0:27:38.200
<v Speaker 1>able to save is not a condemnation of your character.

0:27:38.520 --> 0:27:41.280
<v Speaker 1>It's just a it's just your current situation. But it

0:27:41.320 --> 0:27:42.040
<v Speaker 1>won't always be.

0:27:42.720 --> 0:27:45.159
<v Speaker 2>Yeah, I don't know if I have anything, you know,

0:27:45.280 --> 0:27:48.320
<v Speaker 2>to add on to that other than to say I

0:27:48.359 --> 0:27:51.680
<v Speaker 2>definitely identify with your grocery bill going up. It's really insane,

0:27:52.080 --> 0:27:54.400
<v Speaker 2>you know how much, And because going to the grocery

0:27:54.400 --> 0:27:56.720
<v Speaker 2>store is like the big excursion, you know, it's like

0:27:56.760 --> 0:27:59.920
<v Speaker 2>the one safeish place you can go now and I

0:28:00.520 --> 0:28:04.840
<v Speaker 2>personally comfort myself with food and anyway, So it's it's

0:28:05.119 --> 0:28:07.720
<v Speaker 2>it's really easy, especially when you have kids. I also

0:28:07.760 --> 0:28:11.000
<v Speaker 2>feel like I see what you're saying when it's about you,

0:28:11.080 --> 0:28:13.119
<v Speaker 2>when you talk about you know, looking and listening to

0:28:13.160 --> 0:28:15.600
<v Speaker 2>other people who give advice and like they don't have children,

0:28:16.160 --> 0:28:18.760
<v Speaker 2>there is some good helpful advice out there, you know,

0:28:18.840 --> 0:28:22.240
<v Speaker 2>from people for example, Christina and Aman from Our Rich Journey.

0:28:22.280 --> 0:28:25.200
<v Speaker 2>You know, they have two tween age girls and they

0:28:25.760 --> 0:28:27.639
<v Speaker 2>talk a lot about the ways that they've saved. So

0:28:27.680 --> 0:28:29.919
<v Speaker 2>if you haven't checked out their YouTube channel, we've had

0:28:29.920 --> 0:28:31.560
<v Speaker 2>them on the show before. I think it was episode

0:28:31.720 --> 0:28:34.000
<v Speaker 2>I mean two thirty and one to thirty one, I

0:28:34.040 --> 0:28:36.399
<v Speaker 2>think a few couple of months ago. You can go

0:28:36.400 --> 0:28:38.680
<v Speaker 2>back and listen to that. They have a really great

0:28:38.720 --> 0:28:42.280
<v Speaker 2>YouTube channel, great advice on finding side hustles, especially which

0:28:42.320 --> 0:28:44.120
<v Speaker 2>was one way that they brought an extra income when

0:28:44.120 --> 0:28:47.480
<v Speaker 2>they were saving for early retirement, and they really got

0:28:47.480 --> 0:28:50.560
<v Speaker 2>the kids involved too, and their little girls have this

0:28:50.640 --> 0:28:53.080
<v Speaker 2>channel called our which what is it called.

0:28:53.840 --> 0:28:55.800
<v Speaker 1>Are Young Rechard something. But it's really good.

0:28:55.880 --> 0:28:57.760
<v Speaker 2>I know, I feel like Junior is in there somewhere.

0:28:57.800 --> 0:29:01.280
<v Speaker 2>It's really cute and adorable. So maybe it's you know,

0:29:01.360 --> 0:29:03.880
<v Speaker 2>it sounds what kind of the tone I get from

0:29:03.920 --> 0:29:05.840
<v Speaker 2>the email is that you feel like you're in this alone.

0:29:05.960 --> 0:29:08.200
<v Speaker 2>So I feel like if you get the family involved,

0:29:08.200 --> 0:29:10.640
<v Speaker 2>in your husband or your partner, I'm sorry, you know,

0:29:10.760 --> 0:29:13.280
<v Speaker 2>talking about ways that you guys can bring an extra

0:29:13.360 --> 0:29:16.520
<v Speaker 2>income as a family or reduce you know, spending as

0:29:16.520 --> 0:29:19.280
<v Speaker 2>a family. But I agree with tiffany times are really

0:29:19.280 --> 0:29:22.040
<v Speaker 2>tough right now, and a lot of people aren't saving

0:29:22.040 --> 0:29:23.920
<v Speaker 2>what they think they should or that what they want

0:29:23.920 --> 0:29:26.320
<v Speaker 2>to be saving. And there's so many goals that have

0:29:26.360 --> 0:29:28.480
<v Speaker 2>been set aside because of what's going on right now,

0:29:28.720 --> 0:29:31.560
<v Speaker 2>you know, in our economy and with our healthcare crisis,

0:29:32.160 --> 0:29:34.240
<v Speaker 2>and I think we've all just got to like lower

0:29:34.320 --> 0:29:36.400
<v Speaker 2>the bar a little bit for ourselves and take it easy.

0:29:36.640 --> 0:29:39.560
<v Speaker 2>You know, it sounds like you're making making ends meet,

0:29:39.600 --> 0:29:42.560
<v Speaker 2>which is right now. You know, all you really need

0:29:42.600 --> 0:29:45.360
<v Speaker 2>to do. I do wish that there was some form

0:29:45.400 --> 0:29:49.280
<v Speaker 2>of you know, help, you know, another stimulus or whatnot.

0:29:49.320 --> 0:29:53.520
<v Speaker 2>But unfortunately, for the time being, we are all our heroes,

0:29:53.800 --> 0:29:56.680
<v Speaker 2>you know, asking for help, looking for resources in your area.

0:29:57.200 --> 0:29:59.240
<v Speaker 2>That's really all that you can do right now. But

0:29:59.400 --> 0:30:02.440
<v Speaker 2>best of luck to you and to your family and

0:30:03.160 --> 0:30:05.320
<v Speaker 2>y'all if you have any you know, I think a

0:30:05.320 --> 0:30:07.400
<v Speaker 2>lot of our listeners have kids. If there's anything y'all

0:30:07.440 --> 0:30:10.560
<v Speaker 2>are doing, you know these days, to you know, bring

0:30:10.600 --> 0:30:13.960
<v Speaker 2>an extra income or you know, adjust your goals and

0:30:14.000 --> 0:30:16.560
<v Speaker 2>expectations because of what's going on, you know, feel free

0:30:16.600 --> 0:30:16.920
<v Speaker 2>to share.

0:30:17.080 --> 0:30:19.880
<v Speaker 1>We'll share on the showily, like don't be afraid to

0:30:20.760 --> 0:30:23.600
<v Speaker 1>lean into like services, you know, like is are there

0:30:23.600 --> 0:30:26.520
<v Speaker 1>food services that you might qualify for? Are their rental

0:30:26.960 --> 0:30:30.320
<v Speaker 1>services like in your municipalities, especially now during the time.

0:30:30.360 --> 0:30:33.280
<v Speaker 1>I like Newark actually has some like rent assistant services.

0:30:33.480 --> 0:30:36.560
<v Speaker 1>They have places where that deliver or that bring food

0:30:36.720 --> 0:30:41.520
<v Speaker 1>every every afternoon, like especially where their children, like where

0:30:41.560 --> 0:30:44.480
<v Speaker 1>you can pick up lunch or dinner. So lean in,

0:30:44.600 --> 0:30:47.240
<v Speaker 1>lean into those services if you need them. I've certainly

0:30:47.240 --> 0:30:49.520
<v Speaker 1>been in that position before as well. Sorry to cut

0:30:49.560 --> 0:30:50.840
<v Speaker 1>you off, Mandy, I just want to put that out

0:30:50.840 --> 0:30:51.680
<v Speaker 1>that I was just thinking of that.

0:30:52.440 --> 0:30:54.400
<v Speaker 2>No, that's great. I was just going to say, hit

0:30:54.440 --> 0:30:57.400
<v Speaker 2>us up brand Ambition podcast on Instagram or brannd Ambition

0:30:57.520 --> 0:30:59.640
<v Speaker 2>Podcast at gmail dot com if y'all have any tips

0:30:59.720 --> 0:31:04.120
<v Speaker 2>or stories you want to share. All right, Danielle, thank

0:31:04.120 --> 0:31:06.400
<v Speaker 2>you again for your question. Let's take another one. This

0:31:06.480 --> 0:31:11.000
<v Speaker 2>is This is an interesting one from listener named Lauren,

0:31:11.120 --> 0:31:14.640
<v Speaker 2>and she's a homeowner wondering if she should go ahead

0:31:14.640 --> 0:31:17.240
<v Speaker 2>and use a loan that she took out or sit

0:31:17.320 --> 0:31:20.200
<v Speaker 2>on the cash for a while. All Right, Lauren says,

0:31:20.240 --> 0:31:22.800
<v Speaker 2>I'm a homeowner of eight years and the main level

0:31:22.880 --> 0:31:26.200
<v Speaker 2>of my house desperately needs repairs. I'm talking floor cracking,

0:31:26.280 --> 0:31:29.640
<v Speaker 2>paint peeling, desperate. It's a long backstory, but basically, the

0:31:29.680 --> 0:31:32.000
<v Speaker 2>person I purchased a home from was kind of shady

0:31:32.160 --> 0:31:34.960
<v Speaker 2>and didn't do work properly. Now there's a lot that

0:31:35.000 --> 0:31:36.440
<v Speaker 2>will have to be done in order to do the

0:31:36.560 --> 0:31:38.920
<v Speaker 2>job right. My plan is to sell the house within

0:31:38.920 --> 0:31:40.880
<v Speaker 2>the next year or so. I know that in order

0:31:40.920 --> 0:31:43.160
<v Speaker 2>to do that, I need to make the repairs. But

0:31:43.240 --> 0:31:45.320
<v Speaker 2>to be honest, even if I don't sell right away,

0:31:45.400 --> 0:31:47.440
<v Speaker 2>I'm just tired of the way the house looks. It's

0:31:47.480 --> 0:31:51.360
<v Speaker 2>seriously depressing. I've gotten estimates ranging from ten thousand to

0:31:51.400 --> 0:31:54.200
<v Speaker 2>eighteen thousand dollars for the work, and I took out

0:31:54.240 --> 0:31:57.080
<v Speaker 2>a twelve thousand dollars home equity loan for the repairs

0:31:57.160 --> 0:32:00.560
<v Speaker 2>right before the RONA shut everything down and holding on

0:32:00.600 --> 0:32:02.240
<v Speaker 2>to the money in my savings because we're in the

0:32:02.280 --> 0:32:05.080
<v Speaker 2>middle of a pandemic and recession, so I wanted to

0:32:05.120 --> 0:32:07.360
<v Speaker 2>have a cushion. I highly doubt I'll be out of

0:32:07.400 --> 0:32:10.680
<v Speaker 2>work anytime soon, but of course you never know. So

0:32:10.760 --> 0:32:12.720
<v Speaker 2>what should I do. Should I go ahead and get

0:32:12.720 --> 0:32:15.120
<v Speaker 2>the repairs done now, or should I continue to wait

0:32:15.160 --> 0:32:17.400
<v Speaker 2>it out. I'm so torn about this, and I just

0:32:17.440 --> 0:32:23.360
<v Speaker 2>need another opinion or two, because I am all cabs stressed. Okay,

0:32:23.760 --> 0:32:27.400
<v Speaker 2>So twelve K in the bank. It's a home equity loan,

0:32:27.920 --> 0:32:30.800
<v Speaker 2>which is for those who want to back up real quick.

0:32:30.800 --> 0:32:33.240
<v Speaker 2>A home equity loan is when you tap into the

0:32:33.280 --> 0:32:35.920
<v Speaker 2>equity of your home and the bank gives you a

0:32:36.000 --> 0:32:40.239
<v Speaker 2>loan based on that equity and you owe. Let's say, well,

0:32:40.240 --> 0:32:42.000
<v Speaker 2>there's a home equity loan, there's a home equity line

0:32:42.000 --> 0:32:44.560
<v Speaker 2>of credit. Home equity loans a lump sum. So it's

0:32:44.600 --> 0:32:46.720
<v Speaker 2>like a personal loan, you know, the same way that

0:32:46.760 --> 0:32:48.560
<v Speaker 2>a personal loan works. You just get the lump sum

0:32:48.600 --> 0:32:50.680
<v Speaker 2>and you're in your bank account and you can use

0:32:50.680 --> 0:32:52.920
<v Speaker 2>it for whatever you want to use it for. And

0:32:52.960 --> 0:32:56.520
<v Speaker 2>then a line of credit is when you it's basically like,

0:32:57.080 --> 0:32:59.560
<v Speaker 2>you know, same amount of money, but instead of getting

0:32:59.560 --> 0:33:02.280
<v Speaker 2>in a one line some you can use that line

0:33:02.320 --> 0:33:03.840
<v Speaker 2>of credit as you need it. You don't have to

0:33:03.920 --> 0:33:05.440
<v Speaker 2>use the whole thing if you don't want to, kind

0:33:05.440 --> 0:33:08.160
<v Speaker 2>of like a credit card. But anything you do use,

0:33:08.440 --> 0:33:14.200
<v Speaker 2>you'll you'll eventually end up owing it back. All right, Well,

0:33:14.200 --> 0:33:19.040
<v Speaker 2>thank you for indulging me. In my definition, that's.

0:33:18.840 --> 0:33:20.120
<v Speaker 1>Good because you know, a lot of people would be like,

0:33:20.360 --> 0:33:26.000
<v Speaker 1>say what now, But my concern is I just want

0:33:26.040 --> 0:33:28.600
<v Speaker 1>to make sure that you actually use it to improve

0:33:28.640 --> 0:33:31.720
<v Speaker 1>the quality of the home, or you will have taken

0:33:31.800 --> 0:33:34.760
<v Speaker 1>money out of a house that you have not invested

0:33:34.800 --> 0:33:37.640
<v Speaker 1>back into. So you're end up almost like it's almost

0:33:37.640 --> 0:33:41.840
<v Speaker 1>like double owing. You know. I can understand about like,

0:33:41.840 --> 0:33:44.640
<v Speaker 1>you know, not you know, wanting to have some savings.

0:33:44.920 --> 0:33:46.520
<v Speaker 1>Although you didn't say what she didn't say what she

0:33:46.520 --> 0:33:48.360
<v Speaker 1>did for a living, But she seems pretty confident she's

0:33:48.360 --> 0:33:50.560
<v Speaker 1>not going to lose her job. I don't know what

0:33:50.600 --> 0:33:53.160
<v Speaker 1>work needs to be done in the house, but you know,

0:33:53.240 --> 0:33:55.040
<v Speaker 1>like around here where I live, I certainly see that

0:33:55.080 --> 0:33:57.720
<v Speaker 1>people are actually working because you know, you want to

0:33:57.760 --> 0:34:01.040
<v Speaker 1>maintain and be safe. But you know there are farms

0:34:01.080 --> 0:34:03.320
<v Speaker 1>and things that are still you know, they're using safety

0:34:03.320 --> 0:34:06.240
<v Speaker 1>precautions and are working on people's homes. And that's honestly,

0:34:06.240 --> 0:34:07.440
<v Speaker 1>you might be able to get work a little bit

0:34:07.520 --> 0:34:10.719
<v Speaker 1>cheaper because you know there are people who are not

0:34:10.880 --> 0:34:13.359
<v Speaker 1>wanting to, you know, renovate right now because of all

0:34:13.360 --> 0:34:16.000
<v Speaker 1>that's going on. So you might find people who I

0:34:16.080 --> 0:34:17.680
<v Speaker 1>wanted to give you a better deal because they need

0:34:17.680 --> 0:34:20.680
<v Speaker 1>to work. So keep that in mind too. I just

0:34:20.719 --> 0:34:25.960
<v Speaker 1>think taking money out of a property that's meant to

0:34:26.080 --> 0:34:29.520
<v Speaker 1>be used to like enhance the property, you just don't.

0:34:29.680 --> 0:34:31.080
<v Speaker 1>I just don't want you to not to use it

0:34:31.120 --> 0:34:33.279
<v Speaker 1>to enhance the property. And now you've pulled money out,

0:34:33.560 --> 0:34:35.640
<v Speaker 1>you own more, but the property is not worth more.

0:34:35.840 --> 0:34:39.040
<v Speaker 2>So that's just my biggest concern. Yeah, I mean it

0:34:39.040 --> 0:34:42.000
<v Speaker 2>sounds like pretty, you know, it's not like she's talking

0:34:42.040 --> 0:34:45.320
<v Speaker 2>about interior design, like the floors are cracking, paint is peeling.

0:34:45.480 --> 0:34:48.680
<v Speaker 2>Like I think if you like maybe you could scale

0:34:48.760 --> 0:34:50.880
<v Speaker 2>back what you were planning to do and just do

0:34:51.000 --> 0:34:54.279
<v Speaker 2>the bare necessities, especially with like winter coming up. I mean,

0:34:54.320 --> 0:34:56.080
<v Speaker 2>I think, you know, it's not a bad time to

0:34:56.239 --> 0:34:58.200
<v Speaker 2>do a project like this, Like Tiffany said, people are

0:34:58.200 --> 0:35:00.919
<v Speaker 2>probably looking for work, and if it's interior work, that's

0:35:00.920 --> 0:35:03.719
<v Speaker 2>a bit more appealing the twelve thousand dollars that you've

0:35:03.719 --> 0:35:05.640
<v Speaker 2>got sitting in your bank account. You know, not I

0:35:05.680 --> 0:35:08.480
<v Speaker 2>can't think of any necessarily downsides to not using it.

0:35:08.840 --> 0:35:12.000
<v Speaker 2>But if it's I mean, if you've got stable income,

0:35:12.680 --> 0:35:14.759
<v Speaker 2>you don't mention if you've already got you know, a

0:35:14.760 --> 0:35:17.200
<v Speaker 2>little bit of savings set aside, or a lot of

0:35:17.200 --> 0:35:19.640
<v Speaker 2>bit of savings hopefully you know, if you were to

0:35:19.680 --> 0:35:22.040
<v Speaker 2>lose your job, then you know, I don't see any

0:35:22.040 --> 0:35:25.920
<v Speaker 2>harm in it. But like I'm like making a mental

0:35:26.080 --> 0:35:28.920
<v Speaker 2>pros and cons list. If you want to sell the

0:35:29.000 --> 0:35:30.840
<v Speaker 2>house and you know you need to do the repairs,

0:35:31.320 --> 0:35:34.960
<v Speaker 2>then I would say, Okay, that's that's a reasonable use

0:35:35.040 --> 0:35:37.200
<v Speaker 2>of funds that you've taken out against the equity in

0:35:37.200 --> 0:35:38.600
<v Speaker 2>your home. That makes a lot of sense. A lot

0:35:38.680 --> 0:35:40.960
<v Speaker 2>of people, like I feel like that's the most popular

0:35:41.520 --> 0:35:44.000
<v Speaker 2>reason for taking out a home equity loan. And if

0:35:44.040 --> 0:35:46.719
<v Speaker 2>you feel, you know, relatively stable in your job. And yeah,

0:35:47.080 --> 0:35:50.239
<v Speaker 2>I don't see a huge problem with that personally from

0:35:50.239 --> 0:35:52.920
<v Speaker 2>my experience doing home improvement projects. It's that it doesn't

0:35:52.920 --> 0:35:55.520
<v Speaker 2>all happen at once, and you may be able to

0:35:55.840 --> 0:35:58.120
<v Speaker 2>you know, spread the workout over several months so you

0:35:58.120 --> 0:36:00.680
<v Speaker 2>don't have to fork over the entire twelve thousand dollars

0:36:00.719 --> 0:36:03.200
<v Speaker 2>right away, and that may help, you know, hedge against

0:36:03.200 --> 0:36:05.000
<v Speaker 2>some of the risk. So if you don't have to

0:36:05.040 --> 0:36:07.000
<v Speaker 2>spend it all, you know, you can be saving on

0:36:07.080 --> 0:36:09.720
<v Speaker 2>the back end, you know, trying to replenish your savings

0:36:09.760 --> 0:36:12.120
<v Speaker 2>as you you know, use those funds to fund your

0:36:12.120 --> 0:36:14.200
<v Speaker 2>project and then feel a little bit more you know,

0:36:14.360 --> 0:36:17.680
<v Speaker 2>confident moving forward. And then worse comes to worse if

0:36:17.680 --> 0:36:20.160
<v Speaker 2>something bad happens, you know, you lose your job or

0:36:20.200 --> 0:36:23.160
<v Speaker 2>a source of income or whatnot, then you may not

0:36:23.239 --> 0:36:25.480
<v Speaker 2>have used all of the funds and just a portion

0:36:25.560 --> 0:36:27.319
<v Speaker 2>of it. So if you're going to be working with

0:36:27.520 --> 0:36:30.880
<v Speaker 2>a certain company or contractor, you know, ask how they

0:36:30.880 --> 0:36:32.799
<v Speaker 2>would like to be paid and how many installments and

0:36:32.840 --> 0:36:34.520
<v Speaker 2>over what period of time, and that can give you

0:36:34.600 --> 0:36:37.520
<v Speaker 2>a better sense of you know, how far you can

0:36:37.560 --> 0:36:41.239
<v Speaker 2>spread the payments out. Whoof I really dug deep for that.

0:36:41.360 --> 0:36:44.799
<v Speaker 2>So I hope that was helpful. And again Tiff and

0:36:44.840 --> 0:36:47.759
<v Speaker 2>I are you know, they adjust our ideas. Ultimately, you

0:36:47.840 --> 0:36:49.799
<v Speaker 2>got to do what works you know best for you.

0:36:50.480 --> 0:36:51.120
<v Speaker 1>And that's that.

0:36:51.280 --> 0:36:54.919
<v Speaker 2>On that, on that, how you feel? One more question?

0:36:55.000 --> 0:36:58.959
<v Speaker 2>Or should we boost and break? Break? All right, let's

0:36:58.960 --> 0:37:00.840
<v Speaker 2>do this and lesson an hour or for the first

0:37:00.840 --> 0:37:02.320
<v Speaker 2>time in a long time.

0:37:03.200 --> 0:37:08.760
<v Speaker 1>And now it's time to boost a break or boost uber.

0:37:11.400 --> 0:37:13.440
<v Speaker 1>You can boost Landy, are you gonna break?

0:37:14.120 --> 0:37:15.920
<v Speaker 2>I'm gonna do a boost because I feel like I

0:37:15.960 --> 0:37:17.760
<v Speaker 2>need a mental boost and I have a double boost

0:37:17.960 --> 0:37:22.040
<v Speaker 2>you right. First boost is for those of you who

0:37:22.080 --> 0:37:24.560
<v Speaker 2>want to get COVID tested, but you have been seeing,

0:37:24.600 --> 0:37:27.080
<v Speaker 2>like we've been seeing in our area, really long lines

0:37:27.520 --> 0:37:29.920
<v Speaker 2>outside of urgent carres that do it, like rapid testing.

0:37:29.960 --> 0:37:32.399
<v Speaker 2>Whatever the line is for, it's very long. We've found

0:37:32.440 --> 0:37:35.280
<v Speaker 2>this company called Pixel Lab. This is not an endorsement.

0:37:35.440 --> 0:37:37.920
<v Speaker 2>I just use this company twice. You can order your

0:37:38.239 --> 0:37:41.600
<v Speaker 2>vaccine not your vaccine, whoa no, not a vaccine. You

0:37:41.640 --> 0:37:44.600
<v Speaker 2>can order your test kit for COVID online. They mail

0:37:44.640 --> 0:37:47.600
<v Speaker 2>it to you overnight. You do a little nasal swab,

0:37:47.640 --> 0:37:49.799
<v Speaker 2>put it back in the little tube and you ship

0:37:49.840 --> 0:37:52.480
<v Speaker 2>it off to them again overnight and I got my

0:37:52.560 --> 0:37:55.480
<v Speaker 2>results back and maybe three business days from after I

0:37:55.520 --> 0:37:58.680
<v Speaker 2>mailed it, so it's pretty fast and you didn't have

0:37:58.680 --> 0:38:01.719
<v Speaker 2>to leave the house. It's really safe. So I'm going

0:38:01.800 --> 0:38:04.640
<v Speaker 2>to drop a link to Pixel lab Core in the

0:38:04.680 --> 0:38:08.239
<v Speaker 2>show notes because I have found friends and family don't

0:38:08.239 --> 0:38:11.760
<v Speaker 2>want to get tested because it's a hassle and with Pixel,

0:38:11.880 --> 0:38:14.239
<v Speaker 2>I just and maybe there's other companies besides Pixel, but

0:38:14.880 --> 0:38:16.920
<v Speaker 2>this is the place that my family has used a

0:38:16.960 --> 0:38:19.160
<v Speaker 2>few times now, and you can order kit. I've ordered

0:38:19.200 --> 0:38:22.040
<v Speaker 2>two kits and although it says it's one hundred and

0:38:22.120 --> 0:38:25.279
<v Speaker 2>nineteen dollars at checkout, if you put your insurance information in.

0:38:25.400 --> 0:38:27.719
<v Speaker 2>You know, thanks to the one piece of legislation that

0:38:27.800 --> 0:38:31.440
<v Speaker 2>was passed this year, it made COVID testing free, so

0:38:31.480 --> 0:38:33.640
<v Speaker 2>you should be able to get a free COVID test

0:38:34.040 --> 0:38:37.200
<v Speaker 2>through Pixel. So that's my boost for that, and I

0:38:37.239 --> 0:38:39.360
<v Speaker 2>promise a double boost. The other side of my boost

0:38:39.480 --> 0:38:42.160
<v Speaker 2>is have you had Tiffany? You're so busy, but I

0:38:42.200 --> 0:38:44.040
<v Speaker 2>wanted to shout out. I know you probably haven't watched

0:38:44.040 --> 0:38:46.480
<v Speaker 2>it yet, but there is a black Andy black, black

0:38:46.520 --> 0:38:51.759
<v Speaker 2>black Netflix movie Christmas movie called Jingle Jangle. I can't wait.

0:38:51.760 --> 0:38:54.080
<v Speaker 2>It looks so good. I'm saving it for this weekend

0:38:54.080 --> 0:38:55.920
<v Speaker 2>because I want to, like, or whenever we get our

0:38:55.960 --> 0:38:58.600
<v Speaker 2>Christmas tree, I want to like watch Jingle Jangle? Who

0:38:58.680 --> 0:39:01.279
<v Speaker 2>is it? Having? It has? What's the guy from the

0:39:01.320 --> 0:39:05.080
<v Speaker 2>Last King of Scotland forest would occur? I believe Keegan Michael.

0:39:05.120 --> 0:39:07.840
<v Speaker 2>Wait what's that? I always get them confused, Keegan Michael,

0:39:07.920 --> 0:39:12.200
<v Speaker 2>Peel or no Key and Peel, the tall one, the

0:39:12.280 --> 0:39:15.800
<v Speaker 2>non horror movie one. He's isn't it? And I feel

0:39:15.800 --> 0:39:17.200
<v Speaker 2>like it's a musical or something. I don't know. It

0:39:17.200 --> 0:39:18.759
<v Speaker 2>looks amazing and I can't wait.

0:39:19.120 --> 0:39:21.480
<v Speaker 1>Now that I've been hearing some people who are honestly

0:39:21.640 --> 0:39:25.120
<v Speaker 1>like not into someone said there, like I don't even

0:39:25.160 --> 0:39:27.759
<v Speaker 1>like musicals, but girl, this musical gave me life. So

0:39:27.800 --> 0:39:30.560
<v Speaker 1>I'm actually really excited to watch because you know, sometimes

0:39:30.560 --> 0:39:33.319
<v Speaker 1>you need like a freaking mental break, you know.

0:39:33.440 --> 0:39:37.640
<v Speaker 2>Yes, we need this collectively. Yes, you should definitely watch

0:39:37.719 --> 0:39:38.240
<v Speaker 2>it for sure.

0:39:38.760 --> 0:39:42.120
<v Speaker 1>Well, my boost other than go ahead on and take

0:39:42.160 --> 0:39:44.319
<v Speaker 1>the financial Homeless Squiz, It's only two minutes and ten

0:39:44.440 --> 0:39:48.520
<v Speaker 1>questions at GGW money dot com. Is there is I

0:39:48.520 --> 0:39:52.880
<v Speaker 1>have a new fave IG page. I'm trying to find him.

0:39:52.920 --> 0:39:56.080
<v Speaker 1>His name starts as Neil. Let me find him. So

0:39:56.280 --> 0:40:01.759
<v Speaker 1>Neil qatal any a l k a yl. He is

0:40:01.800 --> 0:40:07.200
<v Speaker 1>a Supreme Court lawyer, a law professor, an extremist centrist,

0:40:07.360 --> 0:40:10.719
<v Speaker 1>and a former US Acting Solicitor General. I don't know

0:40:10.719 --> 0:40:13.080
<v Speaker 1>all that things. And so oh he argued forty one

0:40:13.120 --> 0:40:17.200
<v Speaker 1>cases in front of RBG. Wow, So anyway Neil's officiale okay.

0:40:17.600 --> 0:40:20.640
<v Speaker 1>So Neil has been doing something called court Side with Neil,

0:40:21.239 --> 0:40:25.760
<v Speaker 1>a discussion of the post election litigation attempting to reverse

0:40:25.800 --> 0:40:28.360
<v Speaker 1>the election results. And when I tell you, Mandy, life,

0:40:28.400 --> 0:40:31.160
<v Speaker 1>because you have this man who is one, he's like

0:40:31.200 --> 0:40:33.040
<v Speaker 1>really like, you know, down to earth. I don't know

0:40:33.040 --> 0:40:35.040
<v Speaker 1>how he manages to explain law in a way that

0:40:35.160 --> 0:40:39.080
<v Speaker 1>like anyone can understand. But any anxiety that you might

0:40:39.120 --> 0:40:41.560
<v Speaker 1>have felt post elections saying well, I'm not gonna I'm

0:40:41.560 --> 0:40:46.120
<v Speaker 1>not gonna feel good until you know president electorsworna and girl,

0:40:46.440 --> 0:40:49.239
<v Speaker 1>I don't feel no anxiety because Neil has broken down

0:40:49.360 --> 0:40:52.319
<v Speaker 1>all the tea with the light. So he is like.

0:40:52.360 --> 0:40:55.040
<v Speaker 1>What I love about Neil's that clearly he's like genius,

0:40:55.040 --> 0:40:58.040
<v Speaker 1>super smart, you know, super accomplished. But he's also slightly shady,

0:40:58.200 --> 0:40:59.920
<v Speaker 1>so he adds all that together, which is the.

0:41:01.560 --> 0:41:02.200
<v Speaker 2>Shadiness.

0:41:02.400 --> 0:41:04.520
<v Speaker 1>Love it. But what I really like about Neil is

0:41:04.520 --> 0:41:08.279
<v Speaker 1>that since the election, he's really like broken down, Like

0:41:08.640 --> 0:41:13.760
<v Speaker 1>so current president has lost twenty twenty I guess whatever

0:41:14.480 --> 0:41:17.080
<v Speaker 1>lawsuits that he's brought forth, and how none of them

0:41:17.080 --> 0:41:19.759
<v Speaker 1>have gone through, and how even in Arizona they're not

0:41:19.760 --> 0:41:21.680
<v Speaker 1>saying this, but his own lawyer said, no, we don't

0:41:21.680 --> 0:41:23.279
<v Speaker 1>think that there's fraud because in order for you to

0:41:23.280 --> 0:41:25.279
<v Speaker 1>bring fraud to a court, to the court, you have

0:41:25.320 --> 0:41:28.320
<v Speaker 1>to come with proof. But he just breaks down everything.

0:41:28.600 --> 0:41:31.640
<v Speaker 1>So if you're feeling any anxiety about post election, even

0:41:31.640 --> 0:41:34.200
<v Speaker 1>though you're like, I'm pretty sure we're good, go head

0:41:34.200 --> 0:41:37.600
<v Speaker 1>on to Neil katal n e A l KA t

0:41:37.880 --> 0:41:41.160
<v Speaker 1>y A L and watch some of his court side

0:41:41.200 --> 0:41:43.200
<v Speaker 1>Like IG shows there like three or four minutes long.

0:41:43.680 --> 0:41:46.759
<v Speaker 1>It's just, like I said, super smart, a little bit

0:41:46.760 --> 0:41:48.840
<v Speaker 1>of shady, but very entertaining.

0:41:49.320 --> 0:41:51.600
<v Speaker 2>Oh I love that. I'm going to need because I've

0:41:51.640 --> 0:41:57.200
<v Speaker 2>been feasting on Prete. Burarra's the former what's it called

0:41:57.239 --> 0:41:59.479
<v Speaker 2>Attorney General for New York. He was fired by Trump

0:41:59.480 --> 0:42:02.160
<v Speaker 2>and a tweet like everyone else. He has a podcast

0:42:02.200 --> 0:42:05.239
<v Speaker 2>called cafe cafe something, what's it called preet Burarra. We

0:42:05.280 --> 0:42:07.400
<v Speaker 2>can LinkedIn and then show notes, and he had only

0:42:07.440 --> 0:42:09.920
<v Speaker 2>one episode and I was like, give me more, give

0:42:09.960 --> 0:42:13.239
<v Speaker 2>me more rational thinking, legal minds about what is because

0:42:13.400 --> 0:42:16.080
<v Speaker 2>I don't know how this all happens. And I feel

0:42:16.080 --> 0:42:18.440
<v Speaker 2>exactly like you were saying, Tiff, like I want to

0:42:18.440 --> 0:42:21.000
<v Speaker 2>be excited, but like court stuff, I don't know how

0:42:21.040 --> 0:42:23.919
<v Speaker 2>this works, litigation. What love it? So his name is Neil,

0:42:23.960 --> 0:42:27.040
<v Speaker 2>we'll link it in the in the show notes. That's

0:42:27.120 --> 0:42:28.520
<v Speaker 2>that's dope. I can't wait.

0:42:28.840 --> 0:42:30.360
<v Speaker 1>Yeah, so I think like, yeah, like I said, it

0:42:30.400 --> 0:42:33.439
<v Speaker 1>was just I mean, it was actually h Questlove from

0:42:33.440 --> 0:42:36.319
<v Speaker 1>the Roots crew. So he like shared I didn't even

0:42:36.360 --> 0:42:37.759
<v Speaker 1>know I was following Questlove, but he shared one of

0:42:37.800 --> 0:42:40.040
<v Speaker 1>his videos and I watched it. I was like, oh,

0:42:40.400 --> 0:42:42.440
<v Speaker 1>and so now he posts on something almost every day.

0:42:42.480 --> 0:42:44.759
<v Speaker 1>It's just really honestly, what I like about it too,

0:42:44.800 --> 0:42:46.800
<v Speaker 1>is that it's it's very like, it's not just entertaining,

0:42:46.880 --> 0:42:50.560
<v Speaker 1>it's very informational from like and you know, just someone

0:42:50.600 --> 0:42:54.560
<v Speaker 1>who has not just studied law, but you know, practice

0:42:54.640 --> 0:42:57.920
<v Speaker 1>laws for a long time. And then you're like, oh

0:42:57.960 --> 0:42:59.799
<v Speaker 1>and then when then when you watch I'm not gonna lie.

0:42:59.800 --> 0:43:01.600
<v Speaker 1>When you watch like Fox and the News, you're like,

0:43:02.560 --> 0:43:05.799
<v Speaker 1>this is really bad they are. They are reporting in

0:43:05.840 --> 0:43:10.000
<v Speaker 1>such an egregious way that you're like wow, because none

0:43:10.040 --> 0:43:13.160
<v Speaker 1>of what they're saying is actually happening. They're like straight lying,

0:43:13.200 --> 0:43:15.440
<v Speaker 1>and you kind of know that, but to hear from

0:43:15.440 --> 0:43:18.560
<v Speaker 1>a legal perspective, you're like, this is really really bad.

0:43:18.640 --> 0:43:25.640
<v Speaker 2>So I mean, like I said, enjoy love it all? Right, Well,

0:43:25.760 --> 0:43:28.160
<v Speaker 2>one more week until wait, two more weeks until things.

0:43:28.160 --> 0:43:29.960
<v Speaker 2>Give me what's happening next week? I don't know. I'm

0:43:30.000 --> 0:43:32.879
<v Speaker 2>on vacation next week. I cannot wait. I can't wait

0:43:32.920 --> 0:43:34.719
<v Speaker 2>to just be one thing. All I gotta be is

0:43:34.760 --> 0:43:37.880
<v Speaker 2>Mandy the mom during the week. That's gonna be really nice.

0:43:38.040 --> 0:43:40.759
<v Speaker 2>We'll still take our show, but I'm really looking forward

0:43:40.760 --> 0:43:44.120
<v Speaker 2>to taking some time off, and I just if you haven't,

0:43:44.120 --> 0:43:47.279
<v Speaker 2>I feel fortunate. I feel a little guilty because I

0:43:47.320 --> 0:43:50.320
<v Speaker 2>know a lot of people are struggling, and I feel

0:43:50.440 --> 0:43:53.319
<v Speaker 2>very fortunate. It's like the survivor's guilt that I have

0:43:53.400 --> 0:43:56.040
<v Speaker 2>the opportunity to take paid time off. I got to

0:43:56.080 --> 0:43:58.040
<v Speaker 2>figure out some way to get back, but I'm going

0:43:58.120 --> 0:44:00.680
<v Speaker 2>to try try to at least with some of it

0:44:00.719 --> 0:44:03.520
<v Speaker 2>and take a load off because it has been a year, yes,

0:44:03.719 --> 0:44:06.040
<v Speaker 2>and several years in one, like you said. And if

0:44:06.040 --> 0:44:08.680
<v Speaker 2>you haven't, even though holidays are kind of lowercase ce

0:44:08.880 --> 0:44:12.319
<v Speaker 2>canceled this year, still take your time off, even if

0:44:12.360 --> 0:44:14.600
<v Speaker 2>it's just to sit around and watch Jingle Jangle on

0:44:14.680 --> 0:44:18.400
<v Speaker 2>repeat on Netflix a million times. I think if you

0:44:18.520 --> 0:44:21.759
<v Speaker 2>have the opportunity and the blessing to have some time off,

0:44:22.560 --> 0:44:24.959
<v Speaker 2>take it, enjoy it in whatever way you can. Let's

0:44:24.960 --> 0:44:27.920
<v Speaker 2>make the most of this. Yes, I agree, I agree.

0:44:28.080 --> 0:44:30.080
<v Speaker 1>Now is really the time to really dig into what

0:44:30.120 --> 0:44:32.399
<v Speaker 1>you're truly, truly thankful for and lead into that more

0:44:32.440 --> 0:44:33.240
<v Speaker 1>than anything else.

0:44:33.760 --> 0:44:36.240
<v Speaker 2>And if you have gift ideas, let me know, because

0:44:37.000 --> 0:44:38.560
<v Speaker 2>I don't know what to get anybody. I'm like but

0:44:38.640 --> 0:44:42.239
<v Speaker 2>dazzled face masks, like what do you get people? All right,

0:44:42.320 --> 0:44:45.200
<v Speaker 2>y'all take care and we will see y'all next week,

0:44:45.680 --> 0:44:54.560
<v Speaker 2>next week,