Speaker 1: Hey, hey, hey, we're black, We're back.
Speaker 2: Sorry interruptive. Could you come as close to the mic
Speaker 2: as you can?
Speaker 3: Okay, let me put it up.
Speaker 2: Oh, should have asked you earlier.
Speaker 3: All right, all right, all right is this better?
Speaker 2: That is a little bit better? Yes, okay, all right, okay,
Speaker 2: go for it.
Speaker 1: Hey, Hey, hey.
Speaker 3: We're black. We're back. We're brand and beauty. Hey, Mandra,
Speaker 3: what's up?
Speaker 2: You're really just like save those notes tonight?
Speaker 1: I was I felt I was feeling very I don't know,
Speaker 1: like melancholy.
Speaker 2: Only it has been a dreary, dreary January. We have
Speaker 2: to we have to talk about what happened with Kobe Bryant.
Speaker 2: Oh my god, that story. It is just it's crushing.
Speaker 2: It just it was like blow after blow yesterday. I
Speaker 2: you know, first first it's the you know, you see
Speaker 2: the news, and I thought it was a hoax.
Speaker 4: I like, like many people did, could not. I was like,
Speaker 4: this is not true.
Speaker 2: And then when that became real, and then you learn
Speaker 2: additionally that it was his daughter, and then then the
Speaker 2: other family.
Speaker 4: On the helicopter.
Speaker 2: I mean, I honestly had to take a moment and
Speaker 2: just stop looking at stories about it because.
Speaker 3: My mommy, my new mama.
Speaker 2: Nerves are too shot for this, Like I just it's
Speaker 2: too It just makes you want to hug and squeeze
Speaker 2: everybody and never let them get out of your sight.
Speaker 1: I don't even know how to because, like you said,
Speaker 1: to your point, when I first heard about it, I
Speaker 1: was like, what kind of crazy joke is that? And
Speaker 1: then there was like news circulating that all his daughters
Speaker 1: were on the flight with him, and I was like,
Speaker 1: oh my god, oh my god, oh my god.
Speaker 2: You know that was sad too, just how fast people
Speaker 2: wanted to cover the story. And then dissudation got out there.
Speaker 1: And it was like quote unquote reputable news outlets saying
Speaker 1: things that weren't true. They were saying Rick Fox was
Speaker 1: on the flight and all all this stuff, and I'm
Speaker 1: like what what what?
Speaker 3: It just was like, you know what slowed down from
Speaker 3: a moment.
Speaker 1: From trying to be the first ones to say, you
Speaker 1: know that I heard that the police reprimanded TMZ for
Speaker 1: sharing about Kobe before his family even knew.
Speaker 3: Can you imagine.
Speaker 2: I when when you know, because TMZ is when he
Speaker 2: first broke it, and I was like, this only happened
Speaker 2: a couple hours ago. I pray to God that the
Speaker 2: family knew before they saw it, like, I mean, can
Speaker 2: you know?
Speaker 3: And they said they didn't.
Speaker 4: They did it for real, they found out.
Speaker 3: Well that's what they got.
Speaker 1: They said that I don't know, like maybe I don't
Speaker 1: know if his wife maybe have known, but that before,
Speaker 1: like the family was. The police reprimanded them because this
Speaker 1: is this is not like you know, President Dump's crap
Speaker 1: that you're just posting.
Speaker 3: This is someone's life and death, you know.
Speaker 2: And for to steal that moment from a mother to
Speaker 2: sit down, to have to tell your children that news
Speaker 2: is already the most I can only imagine the most traumatic,
Speaker 2: you know, news ever that you're dealing with your grief
Speaker 2: and you have to sit down and tell your your
Speaker 2: young children that their father and their sister's gone. And
Speaker 2: then to not even have that in your control, that
Speaker 2: someone in the media would steal that from you and
Speaker 2: they have to find out from the headlines or from
Speaker 2: their social media or wherever they found out just keeps
Speaker 2: getting sadder.
Speaker 1: Well have you been, I know we haven't been. You
Speaker 1: guys have been having a few reruns and I know.
Speaker 3: You guys missed us. That's why we back.
Speaker 4: We skipped it.
Speaker 2: You know, it felt like a long break. We were
Speaker 2: only off a week, I know, right, it felt like weeks.
Speaker 4: Wasn't it just a week?
Speaker 3: I don't know.
Speaker 2: My time my time element is.
Speaker 4: All out of whack. But yeah, we took a little bit.
Speaker 2: Of an unexplained break you guys. As you know, I
Speaker 2: just had a baby in November, and I know I
Speaker 2: joked about it, but I really did think I would
Speaker 2: be ready to come back to the show when we
Speaker 2: did right after the new year. And this show means
Speaker 2: a lot to me personally, and I know Tiffany as well,
Speaker 2: and we love coming to you guys every week, and
Speaker 2: it feels like I get very attached to that promise
Speaker 2: that there will be a new show from us, you know,
Speaker 2: almost every week, and there has been for four and
Speaker 2: a half years now. But I really ran into some coping,
Speaker 2: just some problems coping with all the changes since I
Speaker 2: had the baby. Just it really got to me the
Speaker 2: past couple of weeks.
Speaker 4: And while I.
Speaker 2: Feel like I have tons of support, I have family
Speaker 2: and friends who have been really helpful to me, I
Speaker 2: needed to take a little bit of a step back
Speaker 2: and just focus on my own mental health and focus
Speaker 2: on this highly complex, little tiny human being that I
Speaker 2: have to figure out out like I'm cracking some kind
Speaker 2: of cod every hour of every day, and just focus
Speaker 2: on my baby and on me. And so I asked
Speaker 2: Tiffany if she would be okay if we take a
Speaker 2: little bit of a break, and yes, you were kind
Speaker 2: enough to say yes, and.
Speaker 3: I say hell no, no, of course I said no.
Speaker 1: I told Mandy that, like you know, even in the
Speaker 1: best of circumstances, having a baby is traumatic.
Speaker 3: It just is.
Speaker 1: It's trauma to the body, trauma to your emotions, trauma
Speaker 1: to your heart, your soul.
Speaker 3: It's just new.
Speaker 1: So I think that people forget that when a baby's born,
Speaker 1: it's not just a baby that's being born.
Speaker 3: A parent is born too.
Speaker 1: Especially you know obviously with your with your first and
Speaker 1: everyone's trying to figure it out.
Speaker 3: And that to take as much time as you need.
Speaker 3: There's no there's no.
Speaker 1: Ticking time clock about. You have to know and figure
Speaker 1: it out by this time. And just I told Mandy, honestly,
Speaker 1: take as much time as you need. And you know,
Speaker 1: you guys have been awesome. I'm sure you guys have
Speaker 1: been hitting Mandy up and giving her like some mommy
Speaker 1: advice those of you who are moms, and yeah, I
Speaker 1: just feel like, you know, it's such a special time.
Speaker 1: And I don't think the pressure we give so many
Speaker 1: moms to like be on point, be so sharp, be
Speaker 1: like why no.
Speaker 2: Even from it's not even from society, was pressure I
Speaker 2: put on myself too, to just be normal, like be
Speaker 2: my old self really quickly. And I in some ways
Speaker 2: I did feel like my old self, but I underestimated
Speaker 2: how honestly, what I what I will say about so
Speaker 2: far with the newborn stage is it really just strips
Speaker 2: you bare and exposes every issue you ever had and
Speaker 2: makes it really hard to hide it. So my problems
Speaker 2: with anxiety that I've pretty much had my whole life,
Speaker 2: through college, whatever, my career always kind of dealt with
Speaker 2: anxiety issues. Whereas before I could turn on an audiobook
Speaker 2: and you know, get my mind off of my worries
Speaker 2: and go to sleep at night, I was literally just
Speaker 2: laying awake all night long having really scary thoughts about
Speaker 2: my baby, which were really scary. But I'm doing I'm
Speaker 2: you know, I'm doing really well, and I don't want
Speaker 2: anyone to worry. As you guys know, one of the
Speaker 2: first things I did when I found out I was
Speaker 2: pregnant would start looking for a therapist who specializes in
Speaker 2: working with new moms. I think at the time I
Speaker 2: knew I would need a soft place to land, and
Speaker 2: I'm really proud of myself for having that forethought of
Speaker 2: I need to have this in place, this this safety blanket,
Speaker 2: the security system in place for myself, because nothing would
Speaker 2: have been like if I had had to find a
Speaker 2: whole new therapist through the fog I was in. There
Speaker 2: was no f like I could hardly find time to
Speaker 2: use the bathroom every day, you know, let alone start googling,
Speaker 2: you know, therapists in my area. So I continued talking
Speaker 2: to my even though I didn't see her as often.
Speaker 2: I still you know, called and texted my therapist when
Speaker 2: I felt like I was really hitting the wall and
Speaker 2: we were still I'm in the middle of it. I
Speaker 2: don't even want to pretend like I'm done, you know,
Speaker 2: I'm I feel like I was just telling Tiffany, I'm
Speaker 2: in this fog, and it feels like what was different
Speaker 2: is two weeks ago. It didn't seem like the fog
Speaker 2: was ever going to end. Oh shit, I'm gonna kind
Speaker 2: of emotional start, right, Amandra. On the plus side, this
Speaker 2: is the first time I've cried in two weeks, so
Speaker 2: that's that's a way. But it's the fog two weeks
Speaker 2: ago was opaque and now it feels like there's light.
Speaker 4: And I think the reason is one. I'm you know, getting.
Speaker 2: Help that I need. And I told my mom. It
Speaker 2: was really hard to tell my mom for some reason,
Speaker 2: till my mom told my sister, told my family and
Speaker 2: just let them know, Hey, I'm really struggling. So while
Speaker 2: you're asking me for pictures of the baby all day long,
Speaker 2: just know that on the other end of this phone,
Speaker 2: I'm a hot mess, and check in with me too.
Speaker 2: And that really helped, just to let people know that
Speaker 2: I needed their support as well. And I've just been
Speaker 2: being really open about it and so seeing therapists and
Speaker 2: and I wanted to shout out some resources that have
Speaker 2: really helped me just really quick. You know, therapy is
Speaker 2: not the only thing that I've been turning to of all.
Speaker 2: Also spent a lot of late nights on Reddit. I
Speaker 2: might have mentioned read it before, but there's a yeah,
Speaker 2: there's a subreddit called Beyond the Bump, and all the
Speaker 2: moms on there are just so great and at three
Speaker 2: am when you're just like, you know, you're nursing the
Speaker 2: baby and you're delirious. It's really been my little comfort
Speaker 2: to go there and just hear other women share what
Speaker 2: they're going through and feel completely seen and feel like
Speaker 2: nothing I'm going through is unusual. And then there's a
Speaker 2: book that I want to you know, I love a
Speaker 2: good book. I just gave one of my one of
Speaker 2: my friends who's having a baby next week. I just
Speaker 2: gave her this book and I'm going to give it
Speaker 2: to every new mom ever. And it's called and for
Speaker 2: anyone who knows a new mom out there, this is
Speaker 2: an amazing gift. It's called Good Moms Have Scary Thoughts.
Speaker 2: And it was actually written by people in the mental
Speaker 2: health industry and haze industry who have mental who have
Speaker 2: experienced dealing with moms with postpartum anxiety and postpartum depression,
Speaker 2: and it is just.
Speaker 4: It's it's literally just a illustrated book that.
Speaker 2: Kind of goes through all the crazy things that are
Speaker 2: not I hate to say crazy, but all the thoughts
Speaker 2: totally normal but can be scary thoughts I kind of
Speaker 2: go through your mind and again it just made me
Speaker 2: feel so seen and like I wasn't actually unusual in
Speaker 2: any way and really comforted me. So those two things
Speaker 2: plus the fact that I have like my great therapist,
Speaker 2: Hey Laura, who's been it's been really supportive, who calls
Speaker 2: and texts and has been really approachable, and she was
Speaker 2: the one who freaked me out and was like, there's
Speaker 2: you can't you can't wait to figure it, you can't
Speaker 2: wait to attack this. You have to call your mom
Speaker 2: right now. You have to call in reinforcements right now,
Speaker 2: ask for help right now. There's no time to wait.
Speaker 2: You cannot do this alone. She's just staring at me,
Speaker 2: and I'm staring at her, and I'm like, oh, you're worried. Okay, Okay,
Speaker 2: if Laura is worried, then I'll get it together.
Speaker 3: Yeah.
Speaker 1: No, but I love that, like I love that you.
Speaker 1: When I saw you the text, I was really because
Speaker 1: I could hear it in your voice before, like you know,
Speaker 1: because it's a lot like you know, and I could
Speaker 1: hear it before, and I just but I also know
Speaker 1: you're like really like a doer and a complet you
Speaker 1: know what I mean, And so I was like, I
Speaker 1: didn't want you to think, I mean even that's why
Speaker 1: from the beginning, I didn't want you to think that, like,
Speaker 1: as much as the podcast means to me, I.
Speaker 3: Wanted you to know that, like you, I want you
Speaker 3: to be okay.
Speaker 1: There is no podcast without you, you know, and that
Speaker 1: you need to be okay.
Speaker 3: I mean, and I'm so glad that you asked for
Speaker 3: help and said enough.
Speaker 1: And that's why I tried, you know, whenever I reached
Speaker 1: out to you to see how you were doing, because
Speaker 1: I just remember, I just just was thinking of all
Speaker 1: the feedback that I got from previous friends and my
Speaker 1: sister when you know, when they first had their baby,
Speaker 1: and how they felt like no one ever asked about them.
Speaker 3: It was always like the baby, the baby, And so
Speaker 3: I tried to.
Speaker 1: And so I tried that whenever to be like how
Speaker 1: you doing, mano, you know, like I don't even know
Speaker 1: if I really asked about the baby, because I'm like,
Speaker 1: I'm sure everyone else is, because I was just trying
Speaker 1: to be mindful of.
Speaker 3: You know, I get it.
Speaker 1: You know, this is brand being and everyone's excited, but
Speaker 1: it's like, oh what about mom, you know, like you've
Speaker 1: gone through a lot. So I'm just glad you asked
Speaker 1: for help and that you shared with us because it's
Speaker 1: not easy, and it's good for someone who might be
Speaker 1: going through it to know that they're not alone and
Speaker 1: how they're feeling is how and how they're feeling is normal,
Speaker 1: and people feel like this, and you know it's okay
Speaker 1: and necessary to ask for help and ask for a
Speaker 1: reprieve and just to share like I'm not okay, Like
Speaker 1: I think that's what you said, and I was just
Speaker 1: so proud of you, like I'm not okay.
Speaker 2: Yeah, and I really I wasn't. And every day it's
Speaker 2: I check in them like is this okay? And how
Speaker 2: am I feeling? And just trying to be honest about it.
Speaker 2: And I think it's like I said, the difference between
Speaker 2: now and then, and why I felt strong enough to
Speaker 2: do the show today is that I know that there
Speaker 2: it will get better, that this isn't always going to
Speaker 2: be as hard as it is now, and that there
Speaker 2: is light and there's a lot to be grateful for.
Speaker 2: And I'm just trying to be a little bit easier
Speaker 2: on myself stead of pushing myself to be exactly who
Speaker 2: I was, you know, two and a half months ago,
Speaker 2: just to this is the new normal, and I've got
Speaker 2: to figure out, you know, and just be honest with
Speaker 2: where I'm at today. I'm changed and I'm still figuring
Speaker 2: out all the different ways that I'm different, but hopefully
Speaker 2: it'll be all for the better. And of course I
Speaker 2: love mister Rio.
Speaker 3: He is a delight.
Speaker 2: Every blowout diaper is a gift. Yeah, So thank you all.
Speaker 4: And that is.
Speaker 2: Our extremely depressing intro for the show.
Speaker 1: It's good, good, No, that's good. I think that this
Speaker 1: was great and people needed to hear it.
Speaker 3: And we're back. We're back, and.
Speaker 4: If we take a little break in the next few weeks,
Speaker 4: you know why.
Speaker 2: So all the love and encouragement you guys can send,
Speaker 2: I appreciate it. And of course, Tiff, you're my I'll
Speaker 2: still talk. We'll still talk even though we're not doing
Speaker 2: the show. Love you very much and thank you for
Speaker 2: doing so. Next time I see you, go bang, I'm
Speaker 2: going to cash them on that hug. Get ready for
Speaker 2: letting go?
Speaker 1: Do you want to take some questions? I feel like
Speaker 1: we haven't had questions in so long. I'm sure we've
Speaker 1: got some poles up. I love answering questions from the listeners,
Speaker 1: so let's have all right.
Speaker 2: I checked out our Instagram. You guys can always hit
Speaker 2: us up. We're at brandabision Podcast on Instagram with your questions.
Speaker 2: You can also email us if you want to be
Speaker 2: old school Brandivisionpodcasts at gmail dot com or check out
Speaker 2: our website brandivision podcast dot com and click ask us
Speaker 2: anything to hit us up there. Let's take one from
Speaker 2: a Oh the Tender Age of twenty two listener. Will
Speaker 2: keep her anonymous. She says, I love the podcast. My
Speaker 2: boyfriend and I are twenty two years old and still
Speaker 2: in college, but we're hoping to get married within the
Speaker 2: next couple of years and want to start saving for
Speaker 2: a wedding. What do you think is the most efficient
Speaker 2: way to do it? Should we save in a highyeld
Speaker 2: savings account or should we invest and withdraw the money
Speaker 2: when we're ready?
Speaker 3: Good? How many years, she says? Do you thinks she's
Speaker 3: going to get married?
Speaker 2: She says the next couple years, So not looking at
Speaker 2: us super tight or super long timeline here.
Speaker 1: If it's a couple of years meaning too or under,
Speaker 1: probably would do hot yield right. But I remember because
Speaker 1: my sister when she got married, but she knew she
Speaker 1: had I think it was like five or six years
Speaker 1: because like he was going to medical school. But anyway,
Speaker 1: she invested and she bought stock, and I forgot how
Speaker 1: much she put in, but she bought Tesla when it.
Speaker 3: Was like thirty dollars a share, so it was tremendous
Speaker 3: and so, you.
Speaker 1: Know, and I think she put like fifteen hundred dollars
Speaker 1: in or two thousand, and I remember by the time
Speaker 1: she was ready to get married and she sold the stock,
Speaker 1: she had.
Speaker 3: About thirty thousand dollars.
Speaker 1: So but that's because she had time, you know, for
Speaker 1: that stock or like you know, all her other investments
Speaker 1: to kind of grow. So I feel like if it's
Speaker 1: two years, I likely would put it someplace where you
Speaker 1: have you're a little bit more liquid because.
Speaker 3: You don't really have a ton of time to ride
Speaker 3: the wave should things drop.
Speaker 1: But if you had more than like maybe four years,
Speaker 1: then you know, I might look into putting it.
Speaker 3: And I probably wouldn't have put into stock. I mean,
Speaker 3: she tried it. She was lucky, quite honestly.
Speaker 4: Not single stock.
Speaker 2: She was exactly maybe like you know, an an index fund.
Speaker 1: Exactly, that's what I would put it into. Honestly, I
Speaker 1: had more than a few years and.
Speaker 2: An index index fund. Just to remind you, it just
Speaker 2: means that instead of investing in one company like Tesla,
Speaker 2: you get to invest in a bunch of different companies
Speaker 2: and that just spreads your investment over it spreads your
Speaker 2: risk out and typically you'll see returns that that kind
Speaker 2: of average out over all those companies returns, not just
Speaker 2: like one company doing really well won't make.
Speaker 4: Or break you. Yeah, and I totally agree. I chose
Speaker 4: to save.
Speaker 2: In a high yield savings account and I think if
Speaker 2: you just have a couple of years, that makes perfect
Speaker 2: sense and be real. And I would say, you're twenty two,
Speaker 2: so you know, think about what's a realistic wedding cost
Speaker 2: for you guys, Like I would, I would set a
Speaker 2: target for how much you can afford to spend on
Speaker 2: your wedding and keep it realistic to where you are
Speaker 2: in your lives. You know, getting married at twenty two
Speaker 2: you're straight out of college. And I just would hate
Speaker 2: for you guys too, if you have student loan debt
Speaker 2: to also take on a bunch of you know, wedding expenses,
Speaker 2: trying to have the big, mega wedding of your dreams.
Speaker 2: If that ends up being your dream that you know,
Speaker 2: you look at the price tag of what you want
Speaker 2: and it's astronomical, and you guys don't see how you
Speaker 2: can get there in two years.
Speaker 4: I would say, why not? Wait? I mean, your life
Speaker 4: is your life.
Speaker 2: But if the dream wedding is what you want, you know,
Speaker 2: putting it off for a few years so you can
Speaker 2: save more. Nothing wrong with that. You know you're still
Speaker 2: so young? Do I sound like an old Buddy Duddy?
Speaker 3: Until you said buddy Duddy?
Speaker 4: What a kid say?
Speaker 2: Okay, No, I know, Okay, boomer, that's what I am.
Speaker 3: No cap. I don't even know what that means. Somebody
Speaker 3: tell me what does no cap mean? Let me ask LUSA.
Speaker 1: I don't know.
Speaker 2: I was just really proud that I dug up. Okay, boomer,
Speaker 2: I guess instead of boomer, it's like, okay, older millennial,
Speaker 2: that's how I feel.
Speaker 1: Oh yeah, I mean yes, like I said, you said,
Speaker 1: Fuddy Dady, I was with you.
Speaker 3: I was with you. No.
Speaker 1: I think that's really great advice and congratulations on finding love.
Speaker 2: All right, Let's take our next question from Let's say
Speaker 2: her name is Faith, just making that up?
Speaker 3: Okay?
Speaker 2: Her question is about her children? So she has four
Speaker 2: children ages seventeen, fifteen, eight and seven. I really don't
Speaker 2: want my children to end up in a tough financial
Speaker 2: predicament like I am in, and I want to set
Speaker 2: them up for a success. I was thinking of somehow
Speaker 2: setting up investment accounts for each one and starting to
Speaker 2: put money in each Hopefully over the years they will
Speaker 2: grow and by the time they're adults or older adults,
Speaker 2: they will have a nice nest egg they can continue
Speaker 2: to invest. How or what is the best way to
Speaker 2: go about doing this? Should I meet with a financial advisor.
Speaker 2: I know nothing about investing, really, so I wouldn't even
Speaker 2: know where to start.
Speaker 1: Well, this is actually a really good question I wanted
Speaker 1: to pull up. So I just was talking with my angelie,
Speaker 1: who's my financial planner, and she had me transferred. I
Speaker 1: honestly had, like all the kids in my life, like
Speaker 1: my my godson, my nieces, and my nephew, I had
Speaker 1: their money basically saved in a high yield Savans account.
Speaker 3: And she was like.
Speaker 1: Girl nine, so she put money, she invested the funds
Speaker 1: for me, and I was trying to figure out like
Speaker 1: where she said, because I wanted.
Speaker 3: To give you the exact words that she said.
Speaker 1: She said, Uh, since the kids are young, I think
Speaker 1: the allocation is one hundred percent equity's reasonable for their age.
Speaker 3: Oh yeah, okay, this is what she said.
Speaker 1: I would like to keep their allocation simple, meaning when
Speaker 1: she said one hundred percent equity, that means she's investing
Speaker 1: all of their funds in basically like stocks, but like
Speaker 1: a combination. But I'll tell you exactly what she put
Speaker 1: it in. She said, I would like to keep their
Speaker 1: allocation simple. Hence I planned to use two Vanguard ETFs.
Speaker 1: Remember Mandy talked about ETF earlier, a total US market
Speaker 1: and a total international market, meaning that she's going to
Speaker 1: put the kids funds into a Vanguard. Vanguard is a
Speaker 1: company and they have ats, which are these collection of
Speaker 1: stocks or bonds. But she's picking the collection of stocks,
Speaker 1: and stocks are more risky. Because the kids are really young,
Speaker 1: we can afford to put all of their money in
Speaker 1: like kind of like riskier investments because you have a
Speaker 1: higher potential for a higher yield.
Speaker 3: And she was like, you know that.
Speaker 1: She's putting them into the total market, total US market
Speaker 1: and total international market funds. So what you can do
Speaker 1: with ets is you can find funds that mimic what
Speaker 1: the US market looks like. And also funds that mimic
Speaker 1: like what the like with like the NASDAC or whatever.
Speaker 1: So you can find funds that mimic what with markets
Speaker 1: around the world look like. So if the US market
Speaker 1: stocks go up, so does your fund. If the US
Speaker 1: market stocks go down, so does your fund. And so
Speaker 1: that's when that's what she said, and she said something
Speaker 1: I think that was really great too.
Speaker 3: She said, when we have.
Speaker 1: Market volatility, you'll see this account swinging a lot more
Speaker 1: than your respective account. So the accounts for myself and
Speaker 1: my husband, it's okay as long as the funds will
Speaker 1: be kept in for a long time horizon.
Speaker 3: Now super super disclaimer disclaimer.
Speaker 1: Remember Angelie is my financial planner, and so she's paid
Speaker 1: to give me personal financial advice, and so disclaimer is that,
Speaker 1: like you know, you have not paid Angelie, so you
Speaker 1: know that advice is not professional advice specifically tailored for you,
Speaker 1: faith or anyone listening. But I've just given you an
Speaker 1: example of what I'm doing, and certainly we welcome you
Speaker 1: to reach out to a financial planner on your own
Speaker 1: to get specifically tailored advice to you. But just know
Speaker 1: that for the younger kids especially, you know, there's some
Speaker 1: room to be a little bit more aggressive with the
Speaker 1: whatever investments you've set aside for them. And for the
Speaker 1: older kids, there's still a lot of room too because honestly,
Speaker 1: seventeen eighteen, that's still very young. It depends on when
Speaker 1: you are expecting them to be able to basically cash
Speaker 1: in on that. But I definitely would sit down with
Speaker 1: the financial planner and at least you have some thing
Speaker 1: like to discuss and you can bring some ideas to
Speaker 1: the table where you think you'd like your money to
Speaker 1: go for your kids. But kudos for thinking in advance.
Speaker 3: That's awesome. Faith.
Speaker 2: Yeah, definitely, And she also questions, you know, should I
Speaker 2: do a CD if I don't feel ready to invest?
Speaker 2: You know, a CD is a viable option. I mean
Speaker 2: with rates going down right now, though I don't know.
Speaker 2: You definitely with the CD, it's a more conservative investment,
Speaker 2: which means you're not going to be earning potentially as
Speaker 2: much as you could if you were to invest in
Speaker 2: the market. But what I would say, because your kids,
Speaker 2: some of them are older, So you have a seventeen
Speaker 2: and a fifteen year old, they're you know, depending on
Speaker 2: how or when you want them to tap into this
Speaker 2: fun you have to think about how much time you
Speaker 2: have in front of you. And if that, you know answer,
Speaker 2: is not very much time, maybe a CD makes sense.
Speaker 2: Maybe if it's a lot of time five plus years,
Speaker 2: maybe investing in the market makes more sense. Seeking out
Speaker 2: help from a financial advisor is probably a good place
Speaker 2: to start if you want to, you know, figure out
Speaker 2: what's the different approach for each of your children based
Speaker 2: on their ages. So like Tiffany's, that can make a
Speaker 2: lot of sense. And again we are not financial experts,
Speaker 2: just sharing what's worked for us. And I want to
Speaker 2: do a quick segue because someone else asked on an
Speaker 2: earlier episode when I talked about saving for my son,
Speaker 2: who I obviously is very tiny, very very young, starting
Speaker 2: to think about how to save for him. I mentioned
Speaker 2: on an earlier show that I was going to do
Speaker 2: an ira, and I chose an ira over a five
Speaker 2: two nine plan, and this listener TONI or I wanted
Speaker 2: to know why did I choose a roth ira instead
Speaker 2: of a five to two nine plan. The only thing
Speaker 2: that I uh. One of the benefits of a roth
Speaker 2: ira is that they don't necessarily have to use the
Speaker 2: funds for education. So I feel like that offers more flexibility.
Speaker 2: Not that I don't hope that my son will go
Speaker 2: to college one day, you know, but he might get
Speaker 2: a scholarship or a full ride. I mean, if you know, hopefully,
Speaker 2: if he takes after his mama, he'll be very smart.
Speaker 2: And I don't want to have to have those funds
Speaker 2: tied up. You could use the funds and like, uh,
Speaker 2: you know, give them to another family member, but again
Speaker 2: they have to use it, at least for now, for
Speaker 2: some kind of education. So for me, roth Ira makes
Speaker 2: more sense. But they're both you know, reasonable ways, good
Speaker 2: ways to invest in your child's future. You just have
Speaker 2: to kind of think about what's best for you.
Speaker 3: Yeah, I agree.
Speaker 1: I always feel like, I mean, I feel like these
Speaker 1: days five to nine plans it just feels a little
Speaker 1: bit like ah, because I just don't know ten years
Speaker 1: from now how relevant traditional college is going to be,
Speaker 1: and I would hate to tie my money up in
Speaker 1: such a way that it can only be used. Well,
Speaker 1: the good thing about five to nine plans it doesn't
Speaker 1: just have to be used for college. It could be
Speaker 1: used for education across the board, so like you can
Speaker 1: even use it for like like high school or if
Speaker 1: your middle school costs some money, or even from what
Speaker 1: I understand, even daycare these days, because they're understanding that
Speaker 1: education is going to look different years from now.
Speaker 3: But still it makes me a little nervous. I'd rather
Speaker 3: put my money elsewhere for my little one.
Speaker 1: So yeah, so that was just some good, so good updates.
Speaker 3: Brown booths, brown bray. What you're gonna do, what you're
Speaker 3: gonna do? Well, they come for a boo, what you
Speaker 3: wanna do.
Speaker 4: I'm gonna do a boost. I'm gonna go first.
Speaker 2: Yeah, go ahead, I'll volunteer if you guys can ignore
Speaker 2: the sound of my very unhappy child in the background.
Speaker 2: I on Last Lame the last episode talked about taking
Speaker 2: advantage of some different like options to simplify my life,
Speaker 2: So like getting groceries delivered through Amazon Prime.
Speaker 4: It's been awesome.
Speaker 2: I tried out a new service for the past week
Speaker 2: called Freshly, which is not they don't you know, not
Speaker 2: an adorse, it's an endorsement. We're not getting paid, but
Speaker 2: Freshly actually sends.
Speaker 4: You meals that are already cooked.
Speaker 2: You just have to heat them up and they're like
Speaker 2: prepared by chefs and healthy and balance and all that jazz,
Speaker 2: and it's been amazing so far. I feel only a
Speaker 2: little bit lazy, but who cares. I don't have time
Speaker 2: to cook and clean up dishes and all that stuff.
Speaker 2: And it's nice to eat food that's not like a
Speaker 2: healthy choice or you know again, another peanut butter and
Speaker 2: jelly sandwich. That was how I sustained myself for the
Speaker 2: first six weeks. I'm telling you postpartum peeb and Jay's y'all.
Speaker 2: So it's called Freshly, and there's all kinds of promo codes.
Speaker 2: So the cost is for twelve meals. I got for
Speaker 2: ninety two dollars, which is a lot less than what
Speaker 2: I was paying to have lunch every day at the office,
Speaker 2: like fifteen dollars for lunch every day. This comes out
Speaker 2: to less than I think eleven dollars per meal with
Speaker 2: the promo code. So I'd recommend it, and there's other
Speaker 2: services like it, so if you guys, it's I think
Speaker 2: it'd be great for anyone who's on maternity leave, or
Speaker 2: even if you're like recovering from a surgery, or you
Speaker 2: know someone like say you know someone who had an
Speaker 2: operation recently or for whatever reason, they can't get around
Speaker 2: the house as easily as they could. This would be
Speaker 2: a great gift to give them, like a week or
Speaker 2: two weeks from a service like this. I'm a I'm
Speaker 2: a fan.
Speaker 3: Oh it's good to know.
Speaker 1: That's honestly really good to know, because sometimes you're not
Speaker 1: sure what to get people, and I always like to
Speaker 1: get people things that are going to be super helpful,
Speaker 1: especially when they have something new happened in their life,
Speaker 1: like a biby.
Speaker 2: So good to know husband is already sneaking into them
Speaker 2: a meal selling those are mine.
Speaker 1: Well, I am going to boost. Did I tell you
Speaker 1: that I got the Nest a new nest. Well, I
Speaker 1: don't know if it's the new, but so Nest is
Speaker 1: like a thermostat for your house, and you know it's
Speaker 1: like a smart thrmostat.
Speaker 3: Well, I don't know.
Speaker 1: Like I live in Jersey, so we have PC and G,
Speaker 1: but I know like New York has like kindetsin and
Speaker 1: depending on where you live around the country, I don't
Speaker 1: know what the name of your your energy provider is.
Speaker 1: And so PC ANDNG is offering basically half off the Nest.
Speaker 1: So instead of like two fifty, it was like one
Speaker 1: twenty five, which is awesome. So I got the nest,
Speaker 1: and then I splurged and got something called the sensors.
Speaker 3: Because I lived in an old house.
Speaker 1: It was built in like I don't know, nineteen twenty
Speaker 1: or something like that. So we've got like just one
Speaker 1: thermostat for the whole house. So I wanted to figure out,
Speaker 1: you know, like what did I need to set the
Speaker 1: thermostat too, so that the house could be comfortable. And
Speaker 1: the sensors will let you know, like I've named them
Speaker 1: like Supergirl's room, guest room, master bedroom, and kitchen and
Speaker 1: so that way. And then the sensor that the main sensor,
Speaker 1: which is in the thermostat is in the dining room.
Speaker 3: And so I on my phone. I'm obsessed. So my
Speaker 3: husband now calls me the boriler operator.
Speaker 2: Do you guys battle it out like me and husband do?
Speaker 2: Where Like he's like I wanted to be sixty eight.
Speaker 2: I'm like, I want to be seventy two.
Speaker 4: We go back and forth.
Speaker 1: So first of all, he doesn't really play, but I
Speaker 1: you should see me. I'm in here, like, ooh, Supergus
Speaker 1: room looks a little.
Speaker 3: Chilly, let's turn it. Oh my god, I look at
Speaker 3: the boy, look at a boil operator. Look at the
Speaker 3: boil operator there.
Speaker 1: Like sometimes I'll come home and it's like, maybe the
Speaker 1: house is too warmer, too chili.
Speaker 3: He's like, boil operator, you're off your job. I love it.
Speaker 1: Like sometimes I'm like, did you touch the did you
Speaker 1: touch the thermos back? And I just love the fact
Speaker 1: that literally I could be like totally like in another
Speaker 1: state and be like, you know what, the house looks
Speaker 1: a little chili from where I am. So yes, honestly,
Speaker 1: I have to say I love the nests. I love
Speaker 1: the sensors.
Speaker 3: Yeah, and I.
Speaker 1: Somebody gifted me Google Home a while ago, so I
Speaker 1: have not set it up yet, but apparently it all
Speaker 1: links because I have the ring, which is I think
Speaker 1: is a Google product, and I have the nests and
Speaker 1: the sensor. So I think with Google Home, like i'd
Speaker 1: be there's like, you know, I can set it up
Speaker 1: and like be like.
Speaker 3: The superstalker of my house. So yeah, that's my boost.
Speaker 3: It's just I think it's just such a great tool.
Speaker 1: And I used to have to because of the first
Speaker 1: floor of the house tends to be cooler than the bedrooms.
Speaker 1: So we would go to bed at night and I
Speaker 1: would wake up like an a wet because I forgot
Speaker 1: to turn down the thermostat.
Speaker 3: And meanwhile, I live my I'm on the third floor
Speaker 3: of our house. That's where our master.
Speaker 1: Suite is, and so I'd have to go all the
Speaker 1: way downstairs, like at midnight to turn it down and
Speaker 1: to come all the way back up. And so now
Speaker 1: I just roll over grab my phone and the boiler
Speaker 1: operator has it, had her fingertips and I'm like, yeah,
Speaker 1: so just a little booths, you know, Like I said,
Speaker 1: it's X to me. I brought a thermistat before. It's
Speaker 1: it's comparable to like what other thermost casts cost with
Speaker 1: this discount. If you live and I guess the city
Speaker 1: that has PC and G and for all I know
Speaker 1: your your your your service provider might have it as well.
Speaker 1: But totally it's worth it and I love it.
Speaker 3: Join me.
Speaker 2: Oh, you don't need to have a certain service. I
Speaker 2: think anyone could do the Nest and it's fabulous. Oh
Speaker 2: sorry discount yah yea, yeah, okay, gotcha, gotcha, gotcha. I'll
Speaker 2: say we have the Nest doorbell too, and I recently
Speaker 2: discovered you can turn off the doorbell sound. Oh my god,
Speaker 2: anyone with a baby at home game change. Every Amazon
Speaker 2: person I wanted to personally murder for ringing the doorbell
Speaker 2: when they came. It was always when the baby was sleeping, always,
Speaker 2: and not only that, but Molly would start barking too,
Speaker 2: so to I still get the alert that someone's ringing
Speaker 2: the doorbell, but no sound.
Speaker 3: It is blissful.
Speaker 2: Yeah, that is bol technology. I am so grateful to you.
Speaker 2: So shout out to Husby for hooking us up and
Speaker 2: making our house super tech friendly because the nest is awesome.
Speaker 4: Yes, I co sign your boost.
Speaker 1: Well, Mandua, this was great. It was great to be
Speaker 1: back in the saddle. But don't forget if you need
Speaker 1: a break, take a break. That's not just for Managic,
Speaker 1: that's for all y'all listening that nothing's more important than
Speaker 1: you being healthy, happy in a home.
Speaker 2: One day at a time with my new mantra. So
Speaker 2: we will maybe see you guys next week, maybe not.
Speaker 2: If not, we'll have it something else in its place.
Speaker 2: But I have to say I'm feeling really good and
Speaker 2: the fog is listening. As trenty as that sounds, that's
Speaker 2: what it feels like. So I'm not feeling being very happy.
Speaker 3: Kay. Good