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Speaker 1: I have a question about investments during a boycott. I've

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Speaker 1: had a few shares of Target stock for several years.

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Speaker 1: Now that we're boycotting, the value has decreased. But what

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Speaker 1: would you recommend doing with the stock? And as we

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Speaker 1: participate in more strikes, how should I plan for the

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Speaker 1: future if we boycott a business, should we automatically sell?

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Speaker 1: I didn't sell my Target holdings initially because I optimistically

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Speaker 1: thought my beloved Tarje would bring DEI back and the

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Speaker 1: value would rebound. Hey, Hey, va fam, it's your girl,

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Speaker 1: Mandy Money, and welcome back to the Friday ba Qa.

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Speaker 1: I am so excited to be here and to answer

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Speaker 1: y'all's questions. I have been doing some cleanup. I've been

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Speaker 1: going through scraping through the Brown Ambition dms and my DMS,

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Speaker 1: my personal account Mandy Money, and just making sure that

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Speaker 1: I haven't missed any and in fact I did so.

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Speaker 1: Today's show is dedicated to a listener who sent me

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Speaker 1: a question back in September that I missed, but I

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Speaker 1: loved it so much I said, I have to do

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Speaker 1: this for today's show, and I'm actually it's a blessing

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Speaker 1: in disguise that I missed the question until now, because

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Speaker 1: we're going to get into it, and the fact that

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Speaker 1: my answer really wouldn't have changed whether I gave it

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Speaker 1: gave this answer in September versus now. But I'll show

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Speaker 1: you when I answer the question how that actually has

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Speaker 1: saved her money over time. All right, let's get into

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Speaker 1: it again. This is the Baqa. This is where I

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Speaker 1: take your questions and I give you answers with like

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Speaker 1: a lowercase A because obviously I'm just a girl. I'm

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Speaker 1: just a girl in the world. When Sefani and I

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Speaker 1: want you all to get those salt shakers out, please

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Speaker 1: don't assue me. If you do, I ain't got it.

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Speaker 1: I mean, I'm a responsible business owner. So do I

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Speaker 1: invest in business insurance? Yes, but do not take that

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Speaker 1: as an invitation to try me in court police. I

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Speaker 1: have children, have a life. I'm really just here to

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Speaker 1: give y'all infotainment. Right, I'm going to give you my

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Speaker 1: advice based on my personal experiences. But I am not

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Speaker 1: in your pockets. I am not your personal financial advisor.

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Speaker 1: I damn sure, I'm not your investment advisor. And in

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Speaker 1: particular because today's episode, this question is around investing in

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Speaker 1: a single company, stock. I want to double down on that.

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Speaker 1: I am not your personal investment advisor. I highly recommend

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Speaker 1: if you are someone who wants to invest in individual stocks,

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Speaker 1: that you understand the pros and cons of that, and

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Speaker 1: if you want to get an investment advisor to help

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Speaker 1: you make those decisions, then that is well within your

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Speaker 1: rights and it makes total sense. I am not that person. However,

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Speaker 1: I have been in this game for a long time

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Speaker 1: and I do have some thoughts on today's question. So

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Speaker 1: now that I got that out of the way, let's

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Speaker 1: get into it, all right. Today's listener question comes from Kyla,

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Speaker 1: who sent me a message in September on Instagram. She said, Hey, Mandy,

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Speaker 1: I really love the podcast and appreciate your thoughtfulness and

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Speaker 1: dedication to this work. Please know that we see you

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Speaker 1: and value the inspiration and education. Thank you, Kayla. All right,

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Speaker 1: Kayla says I have a question about investments during a boycott.

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Speaker 1: I've had a few shares of Target stock for several years.

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Speaker 1: Now that we're boycotting, the value has decreased, which is

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Speaker 1: great Communally, I will continue to avoid shopping there, but

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Speaker 1: what would you recommend doing with the stock? And as

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Speaker 1: we participate in more strikes. How should I plan for

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Speaker 1: the future if we boycott a business, should we automatically sell?

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Speaker 1: I didn't sell my Target holdings initially because I optimistically

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Speaker 1: thought my beloved TAJE would bring DEI back and the

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Speaker 1: value would rebound. But maybe that's the wrong mindset. Thanks Kayla, ooh, Kayla,

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Speaker 1: thank you for this gift of a question. You know,

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Speaker 1: I hadn't exactly thought about when we talked about boycotting Target,

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Speaker 1: actually boycotting the stock, so I love that you brought

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Speaker 1: them up. And you know what I realized when I

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Speaker 1: was thinking about the answer to your question, because I

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Speaker 1: was initially like, well, I don't I don't invest in

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Speaker 1: individual stocks anymore, very much. Y'all know I have been

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Speaker 1: very transparent. I got burned during the pandemic, like anybody else,

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Speaker 1: with extra money in your pocket and too much free time.

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Speaker 1: I was trying to invest in, you know, tech startups

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Speaker 1: and it just didn't work out hashtag peloton why why

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Speaker 1: that being said, I have always been a broad index

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Speaker 1: fund and ETF girly. So with an index fund, it's

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Speaker 1: basically like you're getting a ticket to a buffet, a

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Speaker 1: buffet for the total stock market, so you have access

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Speaker 1: to all these different stocks and you don't have to

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Speaker 1: pick and choose. It's really like a buffet. But it's

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Speaker 1: not just a buffet with an index fund. The investment

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Speaker 1: company that owns the fund has curated it for you.

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Speaker 1: They put together a plate. They say, here's everything. That's

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Speaker 1: the creme de la creme at this buffet. We're going

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Speaker 1: to make sure you get a little bit of everything,

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Speaker 1: and nothing is going to be missed. And so why

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Speaker 1: I love index funds is that, yeah, it's passive. You

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Speaker 1: buy one bundle of stocks, and it really gives you

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Speaker 1: exposure to a very diverse, you know, bevy of different companies.

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Speaker 1: And I've had huge success with this. I mean, I

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Speaker 1: am not a person who at this stage in my

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Speaker 1: life has spent a lot of time learning the ins

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Speaker 1: and out of day training and investing in different and

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Speaker 1: different individual stocks. When I have done it, it's been

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Speaker 1: with money that I wasn't afraid to lose because sure

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Speaker 1: enough I'd unlost it. Similar to you with Target. You know,

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Speaker 1: I was looking at these investments I think with like

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Speaker 1: a short term lens, which ultimately is just a recipe

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Speaker 1: for disappointment when it comes to the stock market. If

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Speaker 1: you're trying to time the market to make short term wins.

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Speaker 1: I'm talking about, Oh, I bought this stock on you know,

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Speaker 1: a Tuesday, and I'm hoping that you know, doubles by

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Speaker 1: next month, and then I'm gonna sell it and I'm

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Speaker 1: going to reinvest those earnings in tone another stock, and

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Speaker 1: then that stock's going to double and you're gonna be

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Speaker 1: in there. Really like trying to time the market. That's

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Speaker 1: not the vibe that I go for as an investor.

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Speaker 1: I love the index fund approach and it served me

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Speaker 1: so well. I bought my first index fund, right, I'm sorry.

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Speaker 1: I rather invested in my first index fund back in

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Speaker 1: twenty eleven. I was in my early twenties. I was

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Speaker 1: a reporter at Business Insider, and thank god I was

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Speaker 1: because I was talking to financial advisors and wealth experts

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Speaker 1: all the time and time after time after time. And

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Speaker 1: I want to make this clear. The investment advisors for

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Speaker 1: the richest and the wealthiest, we're telling me time and again, girl,

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Speaker 1: don't be trying to pick no stocks. Go get you

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Speaker 1: an index fund. This is how the rich do it.

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Speaker 1: And I never looked back at the time. For me,

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Speaker 1: that looked like investing in a Vanguard index fund, and

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Speaker 1: I'm sorry, a target date fund. So a target date

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Speaker 1: fund is pretty simple. You select the fund that has

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Speaker 1: a year, so in my case, I think it was

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Speaker 1: twenty thirty five, the year in which I or sorry,

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Speaker 1: twenty forty five. How old am I? Twenty forty five,

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Speaker 1: I believe, So you try to pick the year that

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Speaker 1: would align with like your target retirement date. So for me,

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Speaker 1: that was twenty forty five. I'm sure there's you know,

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Speaker 1: target date funds for every year of the year through

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Speaker 1: like the year three thousand maybe, But you pick the

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Speaker 1: fund that aligns with your target retirement age, and then automatically,

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Speaker 1: as time has gone on Vanguard they shift the diversification

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Speaker 1: of my account. For me, I don't have to really

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Speaker 1: think about it, and I have done so so well

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Speaker 1: with my investments just by investing in that initial target

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Speaker 1: date fund. Now I have gotten savvy er over the years,

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Speaker 1: so I've added some specific ETFs. I've added a total

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Speaker 1: stock market index fund, but largely I've stayed in the

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Speaker 1: same vein as far as the index fund investing goes.

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Speaker 1: I don't exactly invest in a target date fund anymore.

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Speaker 1: I basically broke it up into I looked into what

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Speaker 1: was inside a target date fund, and I just went

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Speaker 1: and bought, you know, the index funds that matched that myself,

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Speaker 1: because target date funds are a tiny bit more expensive

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Speaker 1: in terms of fees, and I just wanted to play

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Speaker 1: around a little bit. So that's what I did for me.

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Speaker 1: But in answering your question, Kyla, back to this whole

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Speaker 1: idea of Target, because I invest in these broad index funds.

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Speaker 1: One of the biggest holdings I have is the Total

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Speaker 1: Stock Market Index fund through Vanguard. The the symbol is

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Speaker 1: v stacks vt k X. Is that right BTKX? Is

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Speaker 1: there an ay in there? I don't know? And the

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Speaker 1: Total stock Market Fund? And I was like, you know what,

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Speaker 1: I sure do invest in Target because if I'm investing

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Speaker 1: in the total stock market, Target is one of the

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Speaker 1: you know, major retailers in the country, It's for sure

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Speaker 1: got to be included in that total stock Market index fund.

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Speaker 1: And sure enough it is. I am I am a

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Speaker 1: hypocriti because I don't shop there anymore, but I do

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Speaker 1: have some holdings in Target stock, so I think we're

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Speaker 1: in the same boat. And if you're someone whether you're

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Speaker 1: investing in Target as an individual investor just you know,

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Speaker 1: got a couple of shares or whatnot, or you're like me,

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Speaker 1: and because you have chosen to go the index fund route,

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Speaker 1: you had this big buffet and you're not able to

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Speaker 1: pick and choose what's in it because it's been curated

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Speaker 1: for us, right, you're kind of stuck with it. So

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Speaker 1: I think this is a great question if you're someone

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Speaker 1: in your case, you fully have the option to divest,

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Speaker 1: which just means sell those shares in Target, and that

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Speaker 1: may sting a little especially because you sent this question

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Speaker 1: back in September and at the time, Target stock had,

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Speaker 1: like you said, declined, and based on your question, it

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Speaker 1: sounds like when you purchase the stock, maybe it was

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Speaker 1: at a higher value and you're holding it and you're

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Speaker 1: hoping that Target's going to do the right thing and

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Speaker 1: it's going to bring DEI back and it's going to

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Speaker 1: fix all of this and the stock price will you

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Speaker 1: return to where it was. I do want to caution

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Speaker 1: a little bit, because you know, Target obviously at this

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Speaker 1: point has not gone back. It's double down, it's still

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Speaker 1: doing what it's doing. It's been a year now and

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Speaker 1: it hasn't undone anything that it did as far as

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Speaker 1: walking back on DEI. However, since you submitted your question

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Speaker 1: in September, the stock price has actually increased. It has,

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Speaker 1: so it's been a few months, and I was just

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Speaker 1: looking at it. As of today, I'm recording this on

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Speaker 1: January fifteenth, the stock price is one hundred and ten

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Speaker 1: dollars per share. And back when you sent this question,

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Speaker 1: I believe it was some time in like mid September,

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Speaker 1: it was like covering around ninety dollars per share, So

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Speaker 1: it's already gained twenty bucks per share. If you held

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Speaker 1: on to the stock, which I probably I might have

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Speaker 1: encouraged to do back in September, if you held on

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Speaker 1: to it, you're already seeing those gains. And this is

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Speaker 1: the second thing I wanted to point out. Unfortunately, whether

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Speaker 1: or not it, you know, brings back DEI or removes DEI,

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Speaker 1: I do not think that's going to move the stock

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Speaker 1: price so much. It might, but stock prices are dependent

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Speaker 1: on so many other, so many factors. Really, it's like

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Speaker 1: the total temperature of every investor in the world, right,

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Speaker 1: and also every yes, individual investors, but also these massive

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Speaker 1: investment firms that are got like that don't just have

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Speaker 1: a couple of shares like you and me, but are

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Speaker 1: investing billions of dollars into these companies and those people, unfortunately,

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Speaker 1: they don't look like us, and they don't care as

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Speaker 1: much as DEI from like a social good, you know perspective.

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Speaker 1: Maybe they're thinking about, Okay, maybe targets going to bring

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Speaker 1: back Dei, and maybe the stock market gets excited a

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Speaker 1: little bit because they're like, oh, maybe that will bring

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Speaker 1: back black consumers. Maybe that'll bring back consumers, not just

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Speaker 1: black consumers, but consumers who cared about their diversity practices.

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Speaker 1: And so maybe because they're optimistic about that, they may

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Speaker 1: buy some more Target stock and that is what will

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Speaker 1: send up Target stock value. But waiting for that particular

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Speaker 1: judgment call from Target to expect your price to go

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Speaker 1: up may not be the best thing. I mean, clearly,

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Speaker 1: what it's already showing is that Target ain't got to

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Speaker 1: bring back Dei. It just has to wait and hold

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Speaker 1: and work on its marketing strategy. Know, they brought in

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Speaker 1: a new CEO and they're trying all these new things,

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Speaker 1: and you know, unfortunately it ain't going nowhere. Unfortunately, Fortunately

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Speaker 1: it's not going anywhere. Depending on which side of this

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Speaker 1: you fall on whether you're an investor or or a consumer. Yeah,

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Speaker 1: Target is one of those I feel like, you know,

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Speaker 1: the long term holding, Like it's one of those it's

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Speaker 1: like Walmart, Amazon, these big you know, these big retailers

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Speaker 1: that have been eddie and relatively stable, and they're just

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Speaker 1: like cornerstones of the stock market, cornerstones of the economy,

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Speaker 1: cornerstones of big business that it will take a lot

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Speaker 1: for them to fall truly, right, So they tend to

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Speaker 1: be one of those investments that you hold for the

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Speaker 1: long term. It's not this kind of like hot stock

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Speaker 1: that I would say typically attracts an investor who's like

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Speaker 1: trying to you know, make it, make it make big

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Speaker 1: money over overnight, you know, by day trading or options

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Speaker 1: trading and all that stuff that I hang on a

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Speaker 1: time for. So yeah, it's one of these talks that

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Speaker 1: like you want to hold on to it and just

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Speaker 1: forget about it because over time likely it's going to

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Speaker 1: be on the up and up. And so in that case,

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Speaker 1: like if this were any stock, like take the Target

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Speaker 1: out of it all. If they were just you know,

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Speaker 1: any stock and you were investing, I would say, if

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Speaker 1: you're investing for the long term, then you have to

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Speaker 1: build up your tolerance for like these ups and downs.

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Speaker 1: There's going to be some downtimes and some ups times,

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Speaker 1: and try to, yeah, build up that tolerance for those swings,

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Speaker 1: because the stock market do be swinging, okay, I mean

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Speaker 1: anytime Trump fucking pardon my friends, anytime Trump tweets or

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Speaker 1: I don't know, uses the bathroom, the stock market moves right.

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Speaker 1: So like, you know, things happening overseas, terrorists, venezuela, the weather,

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Speaker 1: you know, a plane crash, like all these things can

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Speaker 1: can cause these ripples in the stock market, but often

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Speaker 1: they are short term and you look to you know,

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Speaker 1: long term investments to sort of hedge again sort of

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Speaker 1: in the long term come out on top. It's the

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Speaker 1: reason why, like with my index funds, my target date funds,

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Speaker 1: I'm more than comfortable just leaving them and not really

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Speaker 1: paying too much attention because history has shown that over time,

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Speaker 1: the total stock market does bounce back. And I have

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Speaker 1: seen this now. I've been an investor for I was twenty,

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Speaker 1: I mean sixteen years now, and I have lived through

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Speaker 1: a couple of major stock market dips and stock market surges.

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Speaker 1: I've seen it. I've seen it bounce back, and so

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Speaker 1: I do have a very healthy I think risk tolerance

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Speaker 1: and understanding that what goes down eventually will come back up.

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Speaker 1: And as we've seen with Target, I mean, it's definitely

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Speaker 1: not back to where it was even five years ago,

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Speaker 1: but it has you know, rebounded and then some sense

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Speaker 1: you know from when you ask this question originally, Hey, ba, fam,

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Speaker 1: we got to take a quick break, pay some bills,

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Speaker 1: and we'll be right back. Now, let's talk about like

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Speaker 1: the morals and the ethics of it all, Like should

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Speaker 1: you feel guilty because you invest in Target shares and

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Speaker 1: we're supposed to be boycotting it? I mean to a

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Speaker 1: certain extent, sure, But at the end of the day, like, yeah,

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Speaker 1: to a certain extent, sure, you could say that if

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Speaker 1: we're not going to be spending money in Target stores,

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Speaker 1: and we also should not be putting our dollars behind

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Speaker 1: them as an investment. So if you wanted to, you know,

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Speaker 1: sell your shares of Target and invest them in another company,

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Speaker 1: that is completely fine. And then when you're picking that company,

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Speaker 1: you want to look at companies that do invest like

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Speaker 1: this is the fun part of investing for me, is

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Speaker 1: you can really when you do your research and you

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Speaker 1: understand how companies are moving in the world and what

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Speaker 1: practices they you know, are they walking the talk? Are

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Speaker 1: they talking the walk? However we want to say it.

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Speaker 1: Are they investing in social you know, social environmental causes?

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Speaker 1: Do they pay their employees fairly? You know, are they

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Speaker 1: are they doing some good in the world. That's something

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Speaker 1: that's called like socially responsible investing. You can also look at,

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Speaker 1: you know, racial justice as a as a filter for

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Speaker 1: what companies you're going to invest in. And I do

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Speaker 1: believe there's some places where you can even like research

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Speaker 1: and they'll actually track, you know, which companies are doubling

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Speaker 1: down on their investment in diversity and equity and inclusion, causes, practices, teams, departments, events,

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Speaker 1: all of that, and then you can make an effort.

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Speaker 1: And I think that's where the power is that you hold.

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Speaker 1: So I'm not, again not your personal advisor, and I

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Speaker 1: don't know your full picture, but as far as like

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Speaker 1: can you do it, of course, sell that shit and

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Speaker 1: buy something from a company that is doing some good

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Speaker 1: that you that you value, because it's your money at

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Speaker 1: the end of the day, and you should be able

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Speaker 1: to spend it where you want to. Spend it now

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Speaker 1: just to be devil's advocate. I mean, I guess you

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Speaker 1: could say by being even a small shareholder of Target,

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Speaker 1: then you know you have access to shareholder statements and

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Speaker 1: maybe you have opportunities like sometimes they'll ask for shareholder feedback,

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Speaker 1: but your position's very small, then maybe you're not going

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Speaker 1: to have like the biggest voice at the table, you know,

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Speaker 1: like the big guys that once you invest billions and

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Speaker 1: millions of dollars in these companies, like, yes, they're the

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Speaker 1: ones who are the board has on speed dial. They're

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Speaker 1: the ones the board knows. Okay, if if I don't,

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Speaker 1: I'm trying, why is Jeff Bezos coming to mind? But

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Speaker 1: if Jeff Bezos or I don't know, Warren Buffett decides

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Speaker 1: to sell their position and Target, it's going to make

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Speaker 1: national headlines. And then the regular folks like us are

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Speaker 1: going to be like, wait, oh shit, Warren Buffett is

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Speaker 1: not investing in that company anymore, maybe I should take

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Speaker 1: my shares out. And they put a lot more weight

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Speaker 1: on those obviously those huge investors than the little guys.

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Speaker 1: But yeah, you could argue like, okay, well, I'm an

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Speaker 1: activist from within. I'm going to like pay my little money,

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Speaker 1: buy some shares, and then I'll have like a bit

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Speaker 1: of a insider's peek at what's going on. But I

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Speaker 1: don't know if that's really like legit or like would

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Speaker 1: actually end up giving you any sort of like influence overall.

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Speaker 1: I think the bigger influence, just like our boycott is

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Speaker 1: like sure, yeah, I mean my monthly Target spending was

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Speaker 1: maybe a couple hundred dollars, which isn't that much. When

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Speaker 1: you collectively join together as a as a force, then

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Speaker 1: that collective action is what causes the real pain. So

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Speaker 1: that's why Target hasn't been able to ignore and the

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Speaker 1: stock market and you know, media has been paying attention

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Speaker 1: to the impact of the Target boycott because our collective action,

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Speaker 1: you know, has has been successful by a lot of

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Speaker 1: measures and as far as like divesting from Target stock. Yeah,

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Speaker 1: if we had an if that boycott even focused more

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Speaker 1: on like okay, next level is if you have any

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Speaker 1: if you own any shares and targets sell that, then

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Speaker 1: we could have an additional impact. I think. Unfortunately, that

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Speaker 1: brings me back to that or brings us back to

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Speaker 1: the reality of black and brown consumers. We do have

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Speaker 1: so much buying power, and we are like such an

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Speaker 1: important consumer base, so when we decide hell no, we're

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Speaker 1: not shopping there, it hurts. Unfortunately, we still make up

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Speaker 1: a very small sliver of investors, and so as investors,

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Speaker 1: if we were to say we're going to sell all

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Speaker 1: of our shares, I really don't think it would make

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Speaker 1: as much of a dent. Is not going to hurt

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Speaker 1: them where it's not going to hit them where it hurts,

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Speaker 1: you know, So we can make our best impact by

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Speaker 1: stopping spending our dollars. I would love to get to

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Speaker 1: a day where collectively, as investors, we have that kind

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Speaker 1: of power. And because unfortunately publicly traded companies like Target,

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Speaker 1: they don't listen to consumers as much as they listen

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Speaker 1: to their shareholders. So if we were a bigger share

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Speaker 1: of investors, then yeah, we could have, you know, a

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Speaker 1: huge amount of influence in that regard. But for now,

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Speaker 1: I think the consumer boycott, you know, not shopping there

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Speaker 1: is the biggest chip that we have to play. Hey ba, fam,

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Speaker 1: we got to take a quick break, pay some bills,

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Speaker 1: and we'll be right back. So at the end of

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Speaker 1: the day, Kayla, I think we need to really acknowledge

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Speaker 1: how you're feeling. If you feel icky, and if you

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Speaker 1: don't feel like you're in alignment by still investing in target,

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Speaker 1: then that makes your next move pretty simple. Because investing

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Speaker 1: is inherently emotional, and as I was talking about things

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Speaker 1: like risk tolerance, also need to have, you know, really

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Speaker 1: check in with yourself and say, how do I feel

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Speaker 1: being invested in this am I like you took time

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Speaker 1: to email you know, or send a DM to me,

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Speaker 1: so you know obviously you're not feeling great about it

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Speaker 1: and the way that you feel like. I think we

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Speaker 1: should feel confident and proud about what we are putting

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Speaker 1: our dollars behind. And if you can't really sleep easy

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Speaker 1: at night knowing that you're still investing in them, then

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Speaker 1: it's a pretty it's I think you should follow that

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Speaker 1: gut instinct and then you know, easily put that those

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Speaker 1: dollars into another retailer, maybe it's a black owned retailer

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Speaker 1: or a retailer who is investing in DEI initiatives in

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Speaker 1: a way that you find to be in alignment with

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Speaker 1: your values, and then you can feel good. I mean

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Speaker 1: that honestly is really empowered. Empowering even just saying it.

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Speaker 1: You know, our ability as investors to say no, I

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Speaker 1: don't agree with that, so I'm going to sell my

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Speaker 1: shares and go in a different direction. I think that's

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Speaker 1: hugely impactful, especially if we were to do it collectively.

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Speaker 1: Now I am an index fund investor, I can't do that,

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Speaker 1: but you're an individual investor, So yeah, you could absolutely

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Speaker 1: do that and get rid of your target share. So

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Speaker 1: if that's what you want to do, you know, it's

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Speaker 1: your nervous system, it's your money, it's your value. So

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Speaker 1: you decide what to do at the end of the day.

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Speaker 1: But if you decide to hold, and you know, and

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Speaker 1: and be an activist in other ways, and I think

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Speaker 1: that I can respect that as well and not question it.

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Speaker 1: But thank you a lot for this question and for

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Speaker 1: the opportunity to talk about this, because I haven't really

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Speaker 1: talked about it from an investor's standpoint. I'm excited to

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Speaker 1: get the chance to do that. Thank you so much,

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Speaker 1: Kayla mva fam. I would love to hear any questions

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Speaker 1: y'all have around investing different stocks that you're excited about,

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Speaker 1: things that you've been learning, if you have been you know,

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Speaker 1: getting more into day trading or individual stock trading, or

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Speaker 1: if you're a long term an index fund girl like me,

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Speaker 1: you know, what's your how's your portfolio looking. I think

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Speaker 1: one thing that kayla Is question also encourages me to do,

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Speaker 1: and hopefully anyone listening is just to check on your investments.

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Speaker 1: I mean, even if you do have ETFs and index

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Speaker 1: funds like, check and see what you're investing in, and

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Speaker 1: you know, check and see have you updated your your

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Speaker 1: diversification and your portfolio. Maybe you chose your investments when

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Speaker 1: you were early in your career like me, and maybe

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Speaker 1: it's time to update them with the council hopefully of

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Speaker 1: an investment or a financial advisor who can really give

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Speaker 1: you targeted, specific, personalized advice based on your specific situation.

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Speaker 1: But it's absolutely something that like annually bi annually, I

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Speaker 1: would encourage y'all to look at what you're investing in

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Speaker 1: and to understand what's going on and that way you

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Speaker 1: can make, you know, any adjustments that you need to

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Speaker 1: make and hopefully feel empowered to do just that because

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Speaker 1: it is our money and we can decide what to

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Speaker 1: do with it at the end of the day. All right,

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Speaker 1: Va Fan, thank you so much for listening to the show.

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Speaker 1: If you have a question for the BAQA. I'm all

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Speaker 1: ears you can DM me at Brown Ambition Podcast send

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Speaker 1: me a DM, send me an audio an audio voice

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Speaker 1: note on on IG and I'm happy to That's even

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00:24:14,000 --> 00:24:15,800
Speaker 1: more fun because then I can play it on the

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Speaker 1: show and y'all can hear you know the person's question

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Speaker 1: via their voice. You can also email me I'm Brown

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Speaker 1: Ambition Podcast at gmail dot com. Thank y'all again for

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Speaker 1: listening to the show. I love y'all so much and

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Speaker 1: I will see y'all next week on Wednesday for the

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Speaker 1: regular Brown Ambition show. Bye y'all, and before I go,

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Speaker 1: BA FAM, I want to shout out the team that

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Speaker 1: helps make Brown Ambition possible. Huge thanks to my fam

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00:24:46,040 --> 00:24:50,240
Speaker 1: at iHeartRadio, Katrina Norvel and Jenna Cagel, my worker Bees

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00:24:50,320 --> 00:24:54,520
Speaker 1: behind the scenes booking assistant Brittany Ler and virtual assistant

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00:24:54,520 --> 00:24:57,800
Speaker 1: Cameron McNair who keep me organized, and of course my

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Speaker 1: editor Courtney Dean. Thank y'all so much much for supporting

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Speaker 1: the show. If you love Brown Ambition, share it with

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00:25:03,640 --> 00:25:06,200
Speaker 1: a friend, tag us on social and don't forget to

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Speaker 1: leave a comment or review. Until next time. By BA

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Speaker 1: Fam