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Speaker 1: I legit just unzipped my skirt because it was getting

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Speaker 1: more tight.

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Speaker 2: One of those things and a skirt.

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Speaker 1: I was like, let me try this skirt on. It

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Speaker 1: said okay. But then like you go through the day

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Speaker 1: and your body like expands.

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Speaker 2: I feel like, anyway, maybe that's too real for our

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Speaker 2: audience to hear about.

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Speaker 1: Okay, let's go.

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Speaker 3: Hey, hey, hey, and we're back Episode fourteen of Brown Ambition.

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Speaker 1: Welcome back, everybody.

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Speaker 4: Yes, we're back, back back with a heart attack.

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Speaker 1: Thanksgiving week. I know, what are you doing?

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Speaker 4: I have mixed emotions. Well, I'm gonna my sister.

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Speaker 3: She just had a baby, so she's having it Thanksgiving

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Speaker 3: at her house for the first time, so excited about

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Speaker 3: that Superman will be coming.

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Speaker 2: And because she has nothing else to do besides like nothing,

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Speaker 2: she has so much free time to like be able

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Speaker 2: to you know, serve Thanksgiving dinner, plus a newborn, she.

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Speaker 3: Thinks she's just like, I'm not trying to take the

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Speaker 3: baby out the house. Come to the house.

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Speaker 1: Oh that's that's true.

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Speaker 4: Yeah, I'm excited about that. Yeah.

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Speaker 3: I mean I always been with like my immediate family,

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Speaker 3: like my parents and my sisters. So that's Thanksgiving usually

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Speaker 3: and it's always really nice and then I'll like friend

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Speaker 3: hop later.

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Speaker 2: Do you guys do like a traditional Thanksgiving dinner? Do

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Speaker 2: you have Nigerian food? How does that work?

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Speaker 4: A mix?

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Speaker 3: You know, it's all crazy because being a Nigerian is

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Speaker 3: so a part of me that I'm like, I'm like, no,

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Speaker 3: it's tonly traditional. Then I'm like, do you even know

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Speaker 3: what traditional loans about? So I'm like, y'all don't eat

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Speaker 3: a goosey soup. I'm like, well, I'm pretty sure to

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Speaker 3: make something like we have a turkey, and of course

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Speaker 3: we have we have African food and traditional American food

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Speaker 3: as well.

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Speaker 1: That sounds good.

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Speaker 4: It is.

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Speaker 2: I love African food, not that it's all the same,

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Speaker 2: but what I've had I've enjoyed.

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Speaker 1: Yeah, we're doing.

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Speaker 2: I decided to host like a friends giving because this

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Speaker 2: is well I have. I've been a home for Thanksgiving

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Speaker 2: in like six years, I realized, And lately we've been

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Speaker 2: going to my Booze family's house, but they don't eat

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Speaker 2: till super late. They're Dominican. I guess that's like a thing.

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Speaker 2: It's like comme at seven, we'll eat at eleven kind

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Speaker 2: of thing. And I'm just really used to my mom's

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Speaker 2: family's Thanksgiving and comm at two and you eat for

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Speaker 2: the next like seven hours, and you like sit and

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Speaker 2: watch TV. So this year I was like, let me

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Speaker 2: just do a real Thanksgiving. And today I decided I'm

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Speaker 2: going to do a turkey. And then I started making

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Speaker 2: a shopping list and then I added all the sides,

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Speaker 2: and then I was like, I'm gonna be broke. And

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Speaker 2: then I was like, why am I doing this? And

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Speaker 2: I thought about canceling, and then I had like a

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Speaker 2: mini heart attack. But I'm working on stress. So I'm

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Speaker 2: taking some deep breaths and I'm just gonna do whatever

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Speaker 2: I can. I'm going to do the best I can.

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Speaker 2: You know, I gotta work, So I'm going to try

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Speaker 2: and I'll try and do a turkey some sides. I'm

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Speaker 2: not gonna go crazy, and hopefully it'll be fun. Importantly,

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Speaker 2: I got all the champagne and the booze, so step

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Speaker 2: one is complete.

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Speaker 1: And that's what If it all.

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Speaker 2: Goes to hell, we will just be consuming cocktails Thanksgiving.

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Speaker 1: And so let's jump into buzzworthy. Okay, there's some fun

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Speaker 1: stuff this week.

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Speaker 2: Did you see the new So everyone went crazy with

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Speaker 2: the new Apple commercial with Taraji, Carrie and Mary J.

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Speaker 1: Blige. But did you see the new one?

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Speaker 4: Yeah?

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Speaker 3: Did you hear that Oprah was supposed to be a

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Speaker 3: part of the commercial last minute? She was like, actually, no,

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Speaker 3: that's what I read. I mean, who knows if it's true,

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Speaker 3: but that was the word on the street. I just

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Speaker 3: it seems weird.

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Speaker 4: I'm like, I can't see Oprah hanging out with that.

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Speaker 1: That's what I was just about to say.

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Speaker 2: Like, whenever Oprah tries to pretend like she's like tequila,

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Speaker 2: I don't.

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Speaker 1: Buy it, Like dah, you know, you having like a

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Speaker 1: chai tea. You're not sitting bacula, you.

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Speaker 4: Know, picking on Unicorn's tears.

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Speaker 1: I feel like she's too grown.

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Speaker 2: Like not that they're not grown either, but like I

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Speaker 2: don't buy the girlfriend vibe from Oprah.

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Speaker 4: You know, no, I do, but just not with them.

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Speaker 1: Maybe not.

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Speaker 4: I barely buy the girlfriend vibe with them.

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Speaker 3: With Carrie Washington, I'm like, I don't know Carrie Gina

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Speaker 3: when she was well, you know what when she said

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Speaker 3: that because in the video they're listening to like salsa

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Speaker 3: music or she turns it on because she's like, who

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Speaker 3: asked her?

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Speaker 2: What makes you feel sexy? Which by the way, I've

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Speaker 2: never asked my girlfriend that ever. It's on a natural

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Speaker 2: question and she's like, m you.

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Speaker 1: Know when you in the Bronx.

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Speaker 2: Iber turned on the Mark Anthony and so I was like,

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Speaker 2: she from the I knew she went to like a

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Speaker 2: prep school. So I googled her real quick and she

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Speaker 2: actually did grow up in the Bronx, So she has that.

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Speaker 3: Yeah, because even the way, I was like, I'm not

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Speaker 3: I'm not believing it, but okay, like Mary at Taraji,

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Speaker 3: clearly they read realistic homegirl, Hey, what's up? You know,

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Speaker 3: but Carrie, And not to say she's not she doesn't

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Speaker 3: seem like a nice woman, but I felt like it

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Speaker 3: was slightly the homegirl vibe was slightly forced.

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Speaker 4: I did read somewhere that the.

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Speaker 3: I don't know CEO CFO whomever said that you know,

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Speaker 3: girls are not girls are better at picking out guys.

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Speaker 2: Oh yeah, you're thinking about Johnny Ivine or whatever earth

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Speaker 2: He owns Apple Music. He's like a famous producer, and

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Speaker 2: he said that the quote was something like women don't

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Speaker 2: know how to find music.

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Speaker 3: Exactly, and I was like, oh, okay, so before this

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Speaker 3: whole Apple whatever thing you're pushing, I guess women just

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Speaker 3: listen to dead air sank when it.

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Speaker 2: Went like, oh my god, like, where is the music?

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Speaker 2: I just can't find that. The radio is so hard.

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Speaker 2: I think he just put his foot in his mouth.

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Speaker 2: You know, he probably came out and apologize even since then, but.

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Speaker 4: I just thought that was funny.

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Speaker 3: I was just like, well, people say stuff like that

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Speaker 3: and they're not whatever it is talking about. I'm like, oh,

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Speaker 3: because in your expert, non woman opinion.

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Speaker 1: It's the same thing.

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Speaker 4: You know.

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Speaker 2: I went to this this past week. It was Women

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Speaker 2: Entrepreneurship Day, and I had the opportunity to go to

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Speaker 2: the United Nations and sit in for the whole day

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Speaker 2: long event at different panels, and all these amazing women

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Speaker 2: entrepreneurs got up and gave speeches and stuff. And I

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Speaker 2: met a guy there who was from this huge investment firm, Massive,

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Speaker 2: and we were talking about, you know, introducing ourselves, talking

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Speaker 2: about investing. I was like, well, so what brings you here,

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Speaker 2: like the one dude in the entire audience, and he's like,

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Speaker 2: you know, my firm is really trying to figure out

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Speaker 2: how to attract more women, you know, because women are

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Speaker 2: so they you know, don't like investing and they're so

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Speaker 2: afraid to kind of like put their money in the market.

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Speaker 2: And right then I was like, like, I really hate

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Speaker 2: that that whole notion of like, oh, women aren't investing

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Speaker 2: because they're afraid, or they don't know how to, or

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Speaker 2: they're not confident. I feel like that may be true

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Speaker 2: in some aspects, but when you keep on, like when

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Speaker 2: you keep proliferating that stereotype or putting that out there,

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Speaker 2: it just, yeah, it just everyone starts believing it, and

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Speaker 2: then soon enough it becomes like, oh, yeah, women just

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Speaker 2: are bad with money.

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Speaker 4: Yeah.

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Speaker 3: And the truth of the matter is, I mean, honestly,

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Speaker 3: with what I do with the budgetista, women asking or

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Speaker 3: wanting to invest is the number one request outside of

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Speaker 3: like savings and like a little bit of credit stuff.

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Speaker 3: But almost every woman it's like, so I really want

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Speaker 3: to invest. It's not even a matter of like, oh,

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Speaker 3: I'm afraid.

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Speaker 4: Of the market.

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Speaker 3: It's just you know, like you said, there's this lack

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Speaker 3: of to mere a lack of knowledge. It's because there's

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Speaker 3: a lack of pointed education in this direction, and.

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Speaker 2: Women are quicker to women are quicker to admit that

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Speaker 2: they have a lack of knowledge yep, and to ask

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Speaker 2: those questions. And also I was telling him, I was like,

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Speaker 2: why focus why put on the focus on finding women

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Speaker 2: and trying to figure out how to teach your mostly

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Speaker 2: male advisors, because let's not get it twisted, like financial

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Speaker 2: advisors as an industry. Financial advisory firms as an industry

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Speaker 2: are crazy, crazily skewed toward men as advisors and like

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Speaker 2: hardly any women at all. And I said, if you want, like,

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Speaker 2: stop trying to teach your male advisors how to speak

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Speaker 2: to women and just focus on recruiting more women.

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Speaker 4: Yep, it's like.

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Speaker 3: Advisors, like you ever see those commercials and it's so

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Speaker 3: clear that there was not a brown face around the table,

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Speaker 3: and they're like, the commercial will open up with Jamal

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Speaker 3: and he's.

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Speaker 1: Like yo, yo, yo, what up? Yo?

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Speaker 4: Have a cod man? And you're like, who in the world.

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Speaker 3: You're like, clearly there was no Jamal present at the

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Speaker 3: table when you guys were deciding about this commercial, like

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Speaker 3: the song that they chosen, it's so clear that you're like, what,

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Speaker 3: nobody even listens to music like that anymore? Just like

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Speaker 3: when you said Carrie was like what makes you feel sexy?

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Speaker 3: Like women don't talk like that? Was there no woman

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Speaker 3: writer available to help you with that line.

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Speaker 2: Well, Apa di Verne supposedly directed, and I love her,

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Speaker 2: but that was an awkward little line.

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Speaker 4: Yeah. I know.

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Speaker 3: Sometimes I just think to myself that, like, you're right,

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Speaker 3: instead of trying to get people to figure out, well,

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Speaker 3: how do we reach that audience, why don't you find

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Speaker 3: that audience to reach that audience?

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Speaker 2: Yeah, I mean that's where we are. Don't expect us

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Speaker 2: to come to your level or wherever you want.

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Speaker 4: Us to be.

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Speaker 2: Well, speaking of Carrie, and I'm going to segue into

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Speaker 2: like the shondaland Shonda rhymes. First of all, Shanna Rhymes.

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Speaker 2: His new book is out Year of Yes, and I

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Speaker 2: have it. I can't wait to read it. But I

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Speaker 2: wanted to talk about Carrie Washington and scandalous past week.

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Speaker 1: Do you watch Scandal?

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Speaker 4: Yeah? On occasion, so I don't want to.

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Speaker 1: This is a This is a huge spoiler.

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Speaker 2: So if you are listening and you haven't watched this

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Speaker 2: latest episode of Scandal, please fast forward on the podcast

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Speaker 2: a couple of minutes because I have to talk about

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Speaker 2: this scene in the latest episode.

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Speaker 1: Do you mind, Tiffany if I spoil it for you?

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Speaker 3: Yeah?

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Speaker 4: No, that's fine, And I don't watch it like that.

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Speaker 1: So I stopped watching.

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Speaker 2: Honestly, I haven't watched the past five episodes because I'm

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Speaker 2: so sick of the whole like love triangle, in the

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Speaker 2: back and forth. I get exhausted by it between her

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Speaker 2: and the president fits. But I saw a couple of

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Speaker 2: headlines that got me to catch up and watch the

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Speaker 2: latest episode, which involved from what I read, I knew

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Speaker 2: it was gonna involve an abortion scene. I saw a scandal,

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Speaker 2: you know, dramatic abortion scene, must watch or whatever. I

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Speaker 2: didn't realize how they were going to do it, and

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Speaker 2: the way that they did it is so Carrie Washington.

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Speaker 2: Her character Olivia Pope has an abortion at the but

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Speaker 2: the way they did it was so unique. I don't

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Speaker 2: know if you've ever watched any of Shanda's other shows,

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Speaker 2: like Grey's Anatomy, she handled abortion. In an early season

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Speaker 2: of Grey's Anatomy, one of her characters, Christina Yang, decides

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Speaker 2: to have an abortion, and it was like a huge,

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Speaker 2: like arc storyline. You know, she's an established doctor, very wealthy. Obviously,

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Speaker 2: she's almost engaged practically to another head of surgery man

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Speaker 2: and he wants to have kids so badly and it's

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Speaker 2: like a back and forth because she does not want

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Speaker 2: to have kids, and they follow it for a few

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Speaker 2: episodes and it says huge, drawn out thing, and finally

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Speaker 2: she decides, I'm going to.

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Speaker 1: Have the abortion. I thought it was really powerful. She

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Speaker 1: did the exact opposite.

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Speaker 2: This time with Scandal, So Carrie, like, the entire episode

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Speaker 2: goes by and nothing's happening. I'm like, where's the abortion

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Speaker 2: at She's not even pregnant. No one even knows she's pregnant, Like,

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Speaker 2: when's it gonna happen. Well, it turns out like three

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Speaker 2: quarters of the way through, all you see is Olivia

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Speaker 2: just in a doctor's office and the doctor's like, you

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Speaker 2: can come back now. And as the song Silent Night

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Speaker 2: and Ave Maria is playing, you see her going through

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Speaker 2: the procedure and there's no conversation. She's not talking to

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Speaker 2: you know, her lover fits about it. And it was

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Speaker 2: just no matter what your beliefs about abortion art, it

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Speaker 2: was just a really striking and like surprisingly like realistic

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Speaker 2: image of what it is for a woman to go

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Speaker 2: through that decision. And I just thought it was And

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Speaker 2: especially since Olivia represents to so many women like a

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Speaker 2: powerful woman like owns her own business.

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Speaker 1: It's like very powerful in her career. I thought it was.

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Speaker 2: I thought it was a really interesting way of approaching

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Speaker 2: the subject and being true to the character of who

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Speaker 2: she is.

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Speaker 4: Is she did she tell Fits that she was pregnant.

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Speaker 1: No, it happens. I'm not even kidding.

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Speaker 2: Like the whole episode, it kind of foreshadows it because

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Speaker 2: in the beginning, one of the senators is filibustering, where

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Speaker 2: you stand up there for six you know, stand up

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Speaker 2: there for hours, and you talk until the clock runs

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Speaker 2: out on the voting for a bill to get the

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Speaker 2: bill from being passed. And this particular bill was going

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Speaker 2: to defund planned parented, which is very like of today's

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Speaker 2: you know this almost happened or this you know almost

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Speaker 2: happened a month ago. And as so you're hearing this senator,

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Speaker 2: you know, protesting this bill about defunding planned parenthood and

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Speaker 2: like women's rights to you know, proper health care.

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Speaker 1: And then three quarters the.

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Speaker 2: Way through, like it just flips to Olivia going to

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Speaker 2: the doctor. I mean, it's not playing parenthood and getting

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Speaker 2: the abortion, and she doesn't tell Fits, and there's I mean,

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Speaker 2: who knows what's going to happen next?

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Speaker 1: Episode, and that was the only like.

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Speaker 2: I am, I'm clearly pro choice. I know women who've

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Speaker 2: had abortions, and I know women who have I think

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Speaker 2: it's important to show an abortion story that's not just

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Speaker 2: someone who's been raped or someone who's poor, or someone's

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Speaker 2: who's like thirteen years old, and like, you show a

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Speaker 2: real woman who's like established, has a career on paper,

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Speaker 2: has every reason to like be able to bring a

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Speaker 2: child into the world, and yet makes the decision not to.

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Speaker 2: And I think that that is it's really important to

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Speaker 2: show that because those women do exist, and so often

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Speaker 2: abortion is like talked about along the lines of like, oh, it's.

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Speaker 1: Okay if you follow, if you take these boxes.

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Speaker 4: You know, yeah, I said, you mean, so I really.

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Speaker 2: Appreciate Shanda for doing that, and I mean, it'll be

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Speaker 2: all kinds of crazy controversy about it, but and you know,

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Speaker 2: I think my only you.

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Speaker 1: Know, I'm not even gonna judge. You know, I have

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Speaker 1: my own thoughts about it.

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Speaker 2: But honestly, if you've never been in that position before

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Speaker 2: where you're you know, you're just deciding to have an abortion,

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Speaker 2: you can't I can't even judge.

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Speaker 1: She's a fake character.

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Speaker 2: She's not real, but I can't judge Olivia for the

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Speaker 2: way she did it because it is like her choice.

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Speaker 4: Yeah.

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Speaker 3: Yeah, I mean I feel what you're saying about, like

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Speaker 3: the way certain things are portrayed, like, oh, this is

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Speaker 3: the only way that you can make that choice. And

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Speaker 3: I haven't been placed in that choice. I mean I've

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Speaker 3: known friends who have been and you know, and I'm trying.

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Speaker 4: To think of that. I know, any friend that kind

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Speaker 4: of just chose, oh, I don't really want to have kids.

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Speaker 3: Maybe so, but they probably haven't told because you're right,

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Speaker 3: that's considered like why would you make that choice.

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Speaker 4: You're supposed to only make it under duress, basically, you.

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Speaker 1: Know, so hard for people to understand.

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Speaker 2: Yeah, yeah, And you know, there's studies that show that

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Speaker 2: most women who have not most, but like a good

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Speaker 2: proportion of women who have abortions have already had kids

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Speaker 2: and they're older and they're like, I just don't want it anymore. Yeah,

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Speaker 2: And I'm like, what's wrong with that? So I just

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Speaker 2: love I just feel like like Grey's Anatomy is still

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Speaker 2: so relevant. I know it's been around for one hundred

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Speaker 2: million years, but Shanna Rhimes is still working it. That

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Speaker 2: show is so relevant. I feel like Scandal to me

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Speaker 2: has gotten me back interested all of a sudden, because like,

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Speaker 2: I was so sick of the Love Triangle.

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Speaker 3: Now I am kind of sick of that. You know,

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Speaker 3: it's very novel TV novella. You're like, all right, it's

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Speaker 3: a little bit wild. I used to Actually what I

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Speaker 3: liked about Scandal, like, of course, you know, we all

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Speaker 3: kind of like the love Triangle at first, But what

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Speaker 3: I liked was like, you know, the individual cases, like ooh,

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Speaker 3: how she gonna solve this one?

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Speaker 4: I enjoyed those.

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Speaker 1: They finally get back to that.

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Speaker 4: Yeah, I'm like, please bring that back, you know.

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Speaker 3: To me, the love Triangle is supposed to be like

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Speaker 3: a background to the actual like almost like what is it?

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Speaker 5: Like? Uh?

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Speaker 4: Those like cop shows that every.

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Speaker 3: Like there's literally like a thousand spin offs of this

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Speaker 3: one cop show, the New York New York Undercover.

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Speaker 4: What did they say? No, not Law and Order?

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Speaker 3: You know, like how the reason one of the reasons

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Speaker 3: why it's so successful.

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Speaker 4: Is that each show it's like a brand new breadth

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Speaker 4: of air.

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Speaker 3: You know, right, And so like I'm kind of I

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Speaker 3: kind of like that about Shonda's show that it was like, oh, okay,

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Speaker 3: it's a brand new show. Yes, there's some remnants of

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Speaker 3: the old show with his love triangle, but basically we're

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Speaker 3: solving this issue.

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Speaker 2: Yeah, I think you can skip the last four episodes,

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Speaker 2: just watch this latest one and then start again, because oh,

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Speaker 2: I was like, come on, I just see fits in

359
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Speaker 2: his little whip whip quivering and like him just crying

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Speaker 2: about his lady's trip. Like can you imagine Obama sitting

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Speaker 2: around and like calling his girlfriend like he doesn't have

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Speaker 2: time or that. I just cannot imagine Obama with time

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Speaker 2: for like this crazy love triangle.

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Speaker 4: Yeah, yeah, exactly, it's just crazy.

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Speaker 2: Well thanks, Shonda, You're the best. You're the best, You

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Speaker 2: the best girl.

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Speaker 5: You got it.

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Speaker 3: So brown break, Brown break, Brown break.

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Speaker 4: What you're gonna do, what you're gonna do when we

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Speaker 4: break for you? So first I gotta find it.

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Speaker 3: So I have this Facebook group online called like Dreamcatchers.

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Speaker 3: It's just basically like all my my whole tribe basically

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Speaker 3: for the budgetizza, like people who are like wanting to

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Speaker 3: get on financial tracks, mostly women, mostly Brown girls, and

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Speaker 3: it's pretty dope it excepts so they have been like

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Speaker 3: addicted to this thing called the money mantra.

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Speaker 4: Have you heard of the money money mantra Mandy.

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00:16:40,800 --> 00:16:43,160
Speaker 3: No, oh, that was like an that was like a

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Speaker 3: tongue twister money mantra Mandy. So anyway, the money mantra,

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Speaker 3: I'm gonna try to find it. And it's so funny

381
00:16:52,280 --> 00:16:56,560
Speaker 3: because I always forget, like how I want money Mandy

382
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Speaker 3: in my computer. It's funny because I forget sometimes that

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Speaker 3: my world's combined. And so someone in the group, because

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Speaker 3: I had talked about the money mantra, how I'm kind

385
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Speaker 3: of sick of it, and someone in the group was like, uh,

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Speaker 3: you should totally make the money matcha your brown break.

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Speaker 1: I was like, what you know about the brom But like,

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Speaker 1: what is it though?

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Speaker 3: So it's this mantra that you Basically it says I,

390
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Speaker 3: I'm a money magnet. I attract money and money attracts me.

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Speaker 3: So it's just basically like, you know, a positive affirmation.

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Speaker 1: It's a secret.

393
00:17:29,040 --> 00:17:29,280
Speaker 4: Yeah.

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Speaker 3: So, which there's nothing wrong with that except the women.

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Speaker 3: At first, I call them the dream catchers. At first,

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Speaker 3: the dreamcatchers in the group would use it and say, oh,

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Speaker 3: I said the money mantra today just to get myself

398
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Speaker 3: going and pumped up great. And then it became like

399
00:17:43,240 --> 00:17:46,840
Speaker 3: the secret witch spell. It was like people would say,

400
00:17:46,960 --> 00:17:48,879
Speaker 3: I said the money mantra and a check came in

401
00:17:48,960 --> 00:17:51,320
Speaker 3: the mail, and then that's really what they would say,

402
00:17:51,320 --> 00:17:53,560
Speaker 3: that's it. Or I said the money mantra and I

403
00:17:53,600 --> 00:17:55,199
Speaker 3: found it out on the ground, or I said the

404
00:17:55,200 --> 00:17:59,280
Speaker 3: money mantra and it stopped being like, oh, people stopped

405
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Speaker 3: showing them the action they took besides seeing the money

406
00:18:02,359 --> 00:18:05,200
Speaker 3: mynt work. Yeah, And so it got me worried because

407
00:18:06,040 --> 00:18:08,280
Speaker 3: somebody hit me behind the scenes, one of the dreamcatchers,

408
00:18:08,320 --> 00:18:10,359
Speaker 3: and she said, you know, Tiffany, I'm worried about the

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Speaker 3: direction of the group.

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Speaker 4: I get it. The money mantra is just one of

411
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Speaker 4: the tools you can use to kind of get yourself

412
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Speaker 4: pumped up. But if I was.

413
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Speaker 3: Brand new and had never done any other financial work,

414
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Speaker 3: I might come to the group and think, oh, the

415
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Speaker 3: only way or want, like the main way to change

416
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Speaker 3: my financial you know, future, is just to make this

417
00:18:28,760 --> 00:18:31,359
Speaker 3: chance and say this chance and then it'll magically happen.

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Speaker 4: And so that's my brown break. I'm breaking from that

419
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Speaker 4: Daga money mantra. That's gonna use it.

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Speaker 1: It's like showing the mass, you.

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Speaker 3: Know exactly, and there's nothing wrong with mantras, and I

422
00:18:41,160 --> 00:18:43,120
Speaker 3: was telling the women that, I said, you know, I

423
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Speaker 3: love a good mantra. You know, sometimes the mantras just quick,

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Speaker 3: like you could do it, you could do what you

425
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Speaker 3: got it. Or sometimes it's more. I used to do

426
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Speaker 3: this mantra in the mirror. I used to do mirror work.

427
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Speaker 3: So I would leave the house and I would tell

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Speaker 3: myself because like in high school, I was severely like

429
00:18:57,600 --> 00:19:00,320
Speaker 3: self conscious about my looks, about my dark skin, about

430
00:19:00,320 --> 00:19:02,960
Speaker 3: my little nose, everything, And so I would tell myself

431
00:19:02,960 --> 00:19:04,560
Speaker 3: in the mirror every morning when I left the house,

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Speaker 3: you are beautiful, you are worthy. So you know, there's

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Speaker 3: nothing wrong with a good mantra, but you have to

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Speaker 3: do something beyond that, and you know it would I

435
00:19:12,800 --> 00:19:16,400
Speaker 3: don't like for people to think that all they.

436
00:19:16,240 --> 00:19:20,000
Speaker 4: Have to do is this one basically easy thing.

437
00:19:19,880 --> 00:19:22,760
Speaker 3: And then your life will be changed, especially like if

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Speaker 3: you got to check in the mail, admit that you

439
00:19:25,520 --> 00:19:27,280
Speaker 3: went to this website, because there's this website where you

440
00:19:27,320 --> 00:19:29,480
Speaker 3: can go do that that if you have lost or

441
00:19:29,560 --> 00:19:32,280
Speaker 3: lost money, I forget the website name, Like you might

442
00:19:32,320 --> 00:19:34,399
Speaker 3: have had a bank account ten years ago. You forgot

443
00:19:34,400 --> 00:19:36,200
Speaker 3: and you have money there. Or there's a check waiting

444
00:19:36,240 --> 00:19:38,359
Speaker 3: for you someplace, and so you can put your name in.

445
00:19:39,000 --> 00:19:40,399
Speaker 3: So a lot of them women were putting your name

446
00:19:40,440 --> 00:19:43,760
Speaker 3: in and finding money. That was the work, not necessarily

447
00:19:43,760 --> 00:19:45,800
Speaker 3: the mantra. You put your name in, you went to

448
00:19:45,840 --> 00:19:48,280
Speaker 3: the website, you did some work. So I just want

449
00:19:48,280 --> 00:19:51,040
Speaker 3: to take a break from that, just because I'm just like, ugh, there.

450
00:19:51,000 --> 00:19:52,320
Speaker 4: Is no easy. It wasn't.

451
00:19:52,520 --> 00:19:55,520
Speaker 3: It took you years to get into financial trouble. It's

452
00:19:55,560 --> 00:19:57,080
Speaker 3: going to take you some time to get out of it.

453
00:19:57,160 --> 00:19:59,440
Speaker 3: And a mantra is one of the tools that you're

454
00:19:59,440 --> 00:20:03,000
Speaker 3: disposable disposal, but certainly not the only tool for the

455
00:20:03,080 --> 00:20:06,320
Speaker 3: dreamcatchers listening. I'm talking to you because I love it.

456
00:20:06,320 --> 00:20:08,760
Speaker 3: It sparked like a nice little debate, and I don't

457
00:20:08,760 --> 00:20:10,280
Speaker 3: mind a lot of it. I don't mind the debate as long.

458
00:20:10,200 --> 00:20:11,240
Speaker 4: As people are respectful.

459
00:20:11,280 --> 00:20:11,439
Speaker 2: You know.

460
00:20:11,480 --> 00:20:14,040
Speaker 1: Don't see one more inspirational quote my Instagram feed.

461
00:20:14,280 --> 00:20:19,679
Speaker 2: I now like another one, Jesus that just show me

462
00:20:19,680 --> 00:20:21,040
Speaker 2: what you have for dinner or come on.

463
00:20:22,160 --> 00:20:26,000
Speaker 3: Instagram preacher like you know what, the sky open and

464
00:20:26,280 --> 00:20:29,760
Speaker 3: floods came, and that means you're blessing his coup And

465
00:20:29,760 --> 00:20:31,600
Speaker 3: you're like, all right, girl, but you know, you got

466
00:20:31,640 --> 00:20:33,600
Speaker 3: to read a book every once in a while.

467
00:20:33,400 --> 00:20:36,639
Speaker 2: Too, And it's funny, like I was really into the

468
00:20:36,680 --> 00:20:38,800
Speaker 2: Secret when I was in college. I remember watching I'll

469
00:20:38,840 --> 00:20:41,920
Speaker 2: never forget watching that episode of Oprah, and I don't

470
00:20:41,920 --> 00:20:44,200
Speaker 2: even know if I can't. I will never be as

471
00:20:44,320 --> 00:20:47,320
Speaker 2: innocent and impressionable as I was during the height of

472
00:20:47,359 --> 00:20:51,159
Speaker 2: the Oprah craze, because everything she did, I would do everything.

473
00:20:51,680 --> 00:20:55,240
Speaker 2: I ate the yogurt, she ate, read the books she read.

474
00:20:55,400 --> 00:20:57,960
Speaker 2: I was just like, Oprah is God, and God is Oprah.

475
00:20:58,600 --> 00:21:00,600
Speaker 2: So when she had the Secret author on, I got

476
00:21:00,600 --> 00:21:02,760
Speaker 2: the book and all of it. It did make my

477
00:21:02,800 --> 00:21:05,120
Speaker 2: life better. But you know now that I thought about

478
00:21:05,119 --> 00:21:07,520
Speaker 2: it later. You know, one day I was passing by

479
00:21:07,560 --> 00:21:09,639
Speaker 2: a bush of flowers, like a really pretty thing of flowers,

480
00:21:09,640 --> 00:21:10,920
Speaker 2: and I was like, man, I would love to get

481
00:21:10,960 --> 00:21:14,240
Speaker 2: some flowers. The next day, I got a bouquet of flowers,

482
00:21:14,520 --> 00:21:16,760
Speaker 2: like out of the blue, my mom sent them to me.

483
00:21:17,560 --> 00:21:20,000
Speaker 2: But now I'm thinking, like, in order to get those flowers,

484
00:21:20,119 --> 00:21:22,080
Speaker 2: I had I did something for her. I was really

485
00:21:22,160 --> 00:21:24,480
Speaker 2: nice about something, or I did I said something really nice,

486
00:21:24,560 --> 00:21:26,679
Speaker 2: or anyway, she was like rewarding me for something I

487
00:21:26,720 --> 00:21:27,960
Speaker 2: had done to earn.

488
00:21:27,720 --> 00:21:30,520
Speaker 1: The flowers it was, And I mean I get that.

489
00:21:31,160 --> 00:21:33,080
Speaker 2: I think what the secret kind of teaches you is

490
00:21:33,080 --> 00:21:35,720
Speaker 2: you have to put something out and then you will receive.

491
00:21:35,960 --> 00:21:37,800
Speaker 1: But people forget that first step.

492
00:21:38,040 --> 00:21:41,919
Speaker 3: Because I believe in karmic energy. I believe that you

493
00:21:42,119 --> 00:21:46,600
Speaker 3: can draw things to you, but I don't I don't

494
00:21:46,640 --> 00:21:50,440
Speaker 3: believe that only karmic energy is the only way, meaning

495
00:21:50,480 --> 00:21:52,680
Speaker 3: that like you know, I like, for example, I remember

496
00:21:52,720 --> 00:21:54,080
Speaker 3: I put it. I have a vision board. You know,

497
00:21:54,160 --> 00:21:55,920
Speaker 3: that's that's karmic energy. You put it out there.

498
00:21:56,000 --> 00:21:58,920
Speaker 4: That's the secret as well. You put it, you.

499
00:21:58,840 --> 00:22:00,879
Speaker 3: Know, you put your vision or the things that you

500
00:22:00,920 --> 00:22:03,000
Speaker 3: want on your vision board. And I remember when I

501
00:22:03,040 --> 00:22:04,720
Speaker 3: was twenty six, I had said I want to go

502
00:22:04,760 --> 00:22:06,640
Speaker 3: to Greece. So I put it on my vision board,

503
00:22:06,680 --> 00:22:08,680
Speaker 3: and then every year it didn't happen, and I would

504
00:22:08,920 --> 00:22:10,960
Speaker 3: take down the picture and put it on the next

505
00:22:11,040 --> 00:22:15,440
Speaker 3: year's vision board every year until about three years ago.

506
00:22:15,880 --> 00:22:18,320
Speaker 3: So basically for like seven years I was saying I

507
00:22:18,320 --> 00:22:18,960
Speaker 3: want to go to Greece.

508
00:22:18,960 --> 00:22:19,800
Speaker 4: I want to go to Greece.

509
00:22:19,960 --> 00:22:22,919
Speaker 3: And then about three years ago I finally was like

510
00:22:23,119 --> 00:22:26,480
Speaker 3: maybe it was even last year. I was like, so tivity,

511
00:22:26,480 --> 00:22:27,840
Speaker 3: if you want to go to Greece, you might want

512
00:22:27,880 --> 00:22:31,720
Speaker 3: a book a flight, And then I did, and then

513
00:22:31,720 --> 00:22:33,240
Speaker 3: I ended up going to Greece and Turkey for my

514
00:22:33,240 --> 00:22:35,399
Speaker 3: birthday that year. What happened, I know, And I was

515
00:22:35,440 --> 00:22:37,840
Speaker 3: just like, cause I you' like, what are you waiting for?

516
00:22:37,880 --> 00:22:40,400
Speaker 3: You waiting for Greece to like come to your doorstep

517
00:22:40,440 --> 00:22:43,000
Speaker 3: and say, hey girl, let's go like book a flight.

518
00:22:43,359 --> 00:22:45,720
Speaker 1: The universe does not take any major credit.

519
00:22:45,440 --> 00:22:49,479
Speaker 3: Cards exactly, so like a mix of those things. It's like,

520
00:22:49,600 --> 00:22:51,360
Speaker 3: there's definitely been things that have happened in my life

521
00:22:51,440 --> 00:22:53,800
Speaker 3: that I'm like, wow, where did that come from? But

522
00:22:53,960 --> 00:22:55,560
Speaker 3: the vast majority I had.

523
00:22:55,400 --> 00:22:56,320
Speaker 4: To put some work for it.

524
00:22:56,480 --> 00:22:58,840
Speaker 2: And if you're listening now and you miss last week's episode,

525
00:22:58,840 --> 00:23:02,879
Speaker 2: we had on Patrise Williams see Williams and that's her

526
00:23:02,920 --> 00:23:06,359
Speaker 2: last name, right, Washington. Oh my god, I like that

527
00:23:06,400 --> 00:23:10,879
Speaker 2: doesn't sound right in my head. Patrese Washington, love you, Patrees.

528
00:23:11,960 --> 00:23:13,840
Speaker 2: And we talked about something similar yeah with her, and

529
00:23:13,880 --> 00:23:15,400
Speaker 2: she had a really she had some really good thoughts

530
00:23:15,400 --> 00:23:17,800
Speaker 2: on that. So definitely go download episode thirteen if you

531
00:23:17,840 --> 00:23:20,840
Speaker 2: haven't yet with for our amazing interview with Patrese.

532
00:23:21,000 --> 00:23:21,840
Speaker 4: Yeah, she's dope.

533
00:23:22,520 --> 00:23:24,760
Speaker 2: My brown break I have to take things a little

534
00:23:24,800 --> 00:23:27,000
Speaker 2: bit serious, because it's just like it's one of those times,

535
00:23:27,000 --> 00:23:29,080
Speaker 2: just like you like, a little tiny bit of things

536
00:23:29,119 --> 00:23:31,640
Speaker 2: just keep adding up. And we all know that there

537
00:23:31,720 --> 00:23:35,880
Speaker 2: is a refugee crisis happening, especially in Syria right now.

538
00:23:35,960 --> 00:23:41,400
Speaker 2: Syrians are fleeing a civil war where chemical acid warfare

539
00:23:41,440 --> 00:23:43,639
Speaker 2: has been used on them. Children have been dying, people

540
00:23:43,680 --> 00:23:45,919
Speaker 2: have been displaced. It's all at war. We're there, so

541
00:23:45,960 --> 00:23:48,880
Speaker 2: obviously they want to flee, and they're fleeing to Europe.

542
00:23:49,160 --> 00:23:52,800
Speaker 2: And in the wake of what happened in Paris, although

543
00:23:52,960 --> 00:23:55,960
Speaker 2: I don't believe any Syrians were involved that I've heard

544
00:23:55,960 --> 00:23:58,120
Speaker 2: of so far, I believe the mastermind was from Belgium.

545
00:23:58,119 --> 00:24:00,640
Speaker 2: But it's funny how facts just, you know, slip through

546
00:24:00,640 --> 00:24:02,680
Speaker 2: the cracks when people are blinded by their own fear.

547
00:24:03,480 --> 00:24:04,160
Speaker 1: In the wake of what.

548
00:24:04,160 --> 00:24:06,720
Speaker 2: Happened in Paris, people have been using that as a

549
00:24:06,760 --> 00:24:10,640
Speaker 2: peg to try and legislators have been trying to get

550
00:24:10,640 --> 00:24:14,040
Speaker 2: this a bill passed that would make it exponentially harder

551
00:24:14,119 --> 00:24:17,440
Speaker 2: for Syrian refugees to get into the United States at

552
00:24:17,440 --> 00:24:20,639
Speaker 2: this time. President Obama has promised to admit ten thousand

553
00:24:20,640 --> 00:24:22,280
Speaker 2: refugees to the US next year.

554
00:24:23,400 --> 00:24:23,919
Speaker 1: And so there's this.

555
00:24:24,359 --> 00:24:27,000
Speaker 2: Bill out in Congress I think in the House right now,

556
00:24:27,280 --> 00:24:29,040
Speaker 2: and they're ready to they're setting to vote on it,

557
00:24:29,080 --> 00:24:30,800
Speaker 2: I think either this week or next week, and it

558
00:24:30,800 --> 00:24:33,520
Speaker 2: would make it would make all sorts of checks and balances,

559
00:24:33,600 --> 00:24:35,600
Speaker 2: and it's completely unnecessary.

560
00:24:37,040 --> 00:24:38,080
Speaker 1: It already takes.

561
00:24:37,840 --> 00:24:42,520
Speaker 2: Two years, two years for Syrians or any refugees, I think,

562
00:24:42,840 --> 00:24:45,880
Speaker 2: especially from Syria to get approved to come to United States.

563
00:24:46,160 --> 00:24:51,199
Speaker 2: Like there already are stringent regulations and checks and balances

564
00:24:51,200 --> 00:24:53,560
Speaker 2: in place. And the fact that people are just sort

565
00:24:53,560 --> 00:24:56,639
Speaker 2: of like tapping into this fear that people have in

566
00:24:56,720 --> 00:24:59,160
Speaker 2: light of the Paris to get people to like enact

567
00:24:59,160 --> 00:25:02,680
Speaker 2: this legislation that would deny, you know, refugees the right

568
00:25:02,760 --> 00:25:06,399
Speaker 2: to seek refuge in America. It just gets under my skin.

569
00:25:06,480 --> 00:25:09,040
Speaker 2: And you got Ben Carson, did you hear? Ben Carson

570
00:25:09,119 --> 00:25:11,560
Speaker 2: was like giving a speech and he's like, well, if

571
00:25:11,560 --> 00:25:13,840
Speaker 2: you had a rabbit dog in your backyard, wouldn't you

572
00:25:13,880 --> 00:25:15,760
Speaker 2: want to get you know, keep the rabbit dog out

573
00:25:15,760 --> 00:25:16,480
Speaker 2: of your backyard?

574
00:25:16,720 --> 00:25:17,680
Speaker 4: And I'm like, what is he even?

575
00:25:17,960 --> 00:25:22,480
Speaker 3: Honestly, Ben Carson, honestly, he's like my greatest disappointment because

576
00:25:22,480 --> 00:25:25,520
Speaker 3: I'm like, man gifted hands, could you shut the help

577
00:25:26,119 --> 00:25:26,520
Speaker 3: for real?

578
00:25:26,760 --> 00:25:28,160
Speaker 1: Gift in hand? Foolish mind?

579
00:25:28,440 --> 00:25:30,840
Speaker 3: Your right exactly put your hands over your mouth, show

580
00:25:30,920 --> 00:25:33,639
Speaker 3: me that gift, because I'm just like so disappointed at

581
00:25:33,680 --> 00:25:37,239
Speaker 3: this man who just raised himself from like like you know,

582
00:25:37,800 --> 00:25:43,360
Speaker 3: poverty and impossible dreams to become this like brilliant surgeon.

583
00:25:43,920 --> 00:25:46,639
Speaker 3: And this is what this is your legacy that you're leaving.

584
00:25:47,320 --> 00:25:50,119
Speaker 3: You know, I'm just like, Wow, you just decided, you

585
00:25:50,119 --> 00:25:51,680
Speaker 3: know what everybody.

586
00:25:51,240 --> 00:25:54,040
Speaker 4: Thinks, I'm amazing. Let me just go ahead and mess

587
00:25:54,080 --> 00:25:54,440
Speaker 4: that up.

588
00:25:55,840 --> 00:25:56,359
Speaker 1: He's done.

589
00:25:56,560 --> 00:26:00,480
Speaker 2: He's I mean, like I wanted to, you know, I

590
00:26:00,520 --> 00:26:02,080
Speaker 2: was trying to explain to my dad this week and

591
00:26:02,080 --> 00:26:03,639
Speaker 2: my dad and I, so I went to Atlanta to

592
00:26:03,720 --> 00:26:06,680
Speaker 2: visit my dad before the Thanksgiving holiday, and he and

593
00:26:06,720 --> 00:26:08,920
Speaker 2: I like to go for walks together, and we started

594
00:26:08,960 --> 00:26:11,760
Speaker 2: talking about the refugee crisis. And my dad pays attention

595
00:26:11,800 --> 00:26:14,280
Speaker 2: to the news. I mean, he wasn't he's not college educated,

596
00:26:14,960 --> 00:26:16,879
Speaker 2: but he pays attention to the news and he's smart.

597
00:26:17,080 --> 00:26:19,359
Speaker 2: And even he was like, but they can get in

598
00:26:19,440 --> 00:26:21,439
Speaker 2: so easily, you know, they can just come across and

599
00:26:21,480 --> 00:26:23,639
Speaker 2: just come to America. It's super easy. And I was like,

600
00:26:24,040 --> 00:26:26,480
Speaker 2: I tried to tell him, no, it takes two years.

601
00:26:26,840 --> 00:26:30,040
Speaker 2: But that information isn't easy to find. But I was

602
00:26:30,119 --> 00:26:32,920
Speaker 2: really really happy because today on the front page of

603
00:26:32,920 --> 00:26:34,680
Speaker 2: the New York Times, I think it's still there, there

604
00:26:34,720 --> 00:26:37,080
Speaker 2: was a great article and it's titled why it takes

605
00:26:37,119 --> 00:26:39,600
Speaker 2: two years for Syrian refugees to enter the US, And

606
00:26:39,640 --> 00:26:43,160
Speaker 2: I was like, facts, thank you Jesus. Facts, And literally

607
00:26:43,160 --> 00:26:46,160
Speaker 2: there's one, two, three, four, five, six, seven, eight nine ten,

608
00:26:46,320 --> 00:26:50,320
Speaker 2: twenty facts. I mean twenty steps it takes to VERUS

609
00:26:50,359 --> 00:26:55,080
Speaker 2: Syrian refugee to get to United States. Fingerprint screening, multiple

610
00:26:55,119 --> 00:26:59,119
Speaker 2: background checks, you have to get a referral to get registered,

611
00:26:59,160 --> 00:27:01,800
Speaker 2: to become a to get you know, because a refugee

612
00:27:01,800 --> 00:27:07,160
Speaker 2: here you need you have to be interviewed by immigration headquarters.

613
00:27:07,400 --> 00:27:09,080
Speaker 2: You have to have an in person injury with a

614
00:27:09,119 --> 00:27:13,280
Speaker 2: Homeland Security officer, Like there's a cultural orientation class, there's

615
00:27:13,320 --> 00:27:17,560
Speaker 2: a screening for contagious diseases, multi agency security check, you

616
00:27:17,600 --> 00:27:20,239
Speaker 2: have to be matched with an American resettlement agency. I'm like,

617
00:27:20,400 --> 00:27:22,600
Speaker 2: is this not enough? Like, look how many hoops they

618
00:27:22,600 --> 00:27:26,600
Speaker 2: have to jump through. This legislation is just a fear tactic.

619
00:27:26,960 --> 00:27:31,680
Speaker 2: It's just Republicans. I'm sorry, conservatives trying to take advantage

620
00:27:31,680 --> 00:27:35,360
Speaker 2: of people's fear, and this sort of fear mongering does

621
00:27:35,400 --> 00:27:38,880
Speaker 2: nothing but deny people who are literally seeking refuge from

622
00:27:38,960 --> 00:27:42,520
Speaker 2: war access to the same kind of peace and freedom

623
00:27:42,560 --> 00:27:43,520
Speaker 2: that we enjoy every day.

624
00:27:43,520 --> 00:27:45,320
Speaker 1: And I just think that's that's terrible.

625
00:27:46,960 --> 00:27:48,639
Speaker 3: Yeah, some do you just look at this world and

626
00:27:48,640 --> 00:27:52,840
Speaker 3: you're like, ah.

627
00:27:51,520 --> 00:27:52,880
Speaker 2: But you know, when I was in Georgia, and I'm

628
00:27:52,880 --> 00:27:54,679
Speaker 2: not gonna lie, Georgia is not the most I mean,

629
00:27:54,720 --> 00:27:57,119
Speaker 2: Georgia has some closed minded people. Now Atlanta is a

630
00:27:57,119 --> 00:27:59,240
Speaker 2: different story because it's a big city. But I was

631
00:27:59,320 --> 00:28:04,080
Speaker 2: riding through the city with my whoa with my dad

632
00:28:04,920 --> 00:28:08,440
Speaker 2: and I passed by this church and the sign North

633
00:28:08,480 --> 00:28:12,800
Speaker 2: Decatur United Methodist Church anybody from Decata. Hey, the sign

634
00:28:12,880 --> 00:28:15,800
Speaker 2: of the church says refugees are welcome here worship Sundays

635
00:28:15,800 --> 00:28:18,040
Speaker 2: at eleven am. And I took a little picture and

636
00:28:18,080 --> 00:28:20,520
Speaker 2: I was like, okay, Georgia, like, you're not all bad.

637
00:28:20,840 --> 00:28:23,640
Speaker 4: I'll post it in our Facebook group and our Facebook page.

638
00:28:23,720 --> 00:28:23,919
Speaker 3: I did.

639
00:28:23,920 --> 00:28:25,679
Speaker 2: I put it on Instagram. I'm gonna put it up there.

640
00:28:25,680 --> 00:28:27,040
Speaker 2: I thought that was really nice. It kind of wore

641
00:28:27,119 --> 00:28:30,480
Speaker 2: my little heart. So as long as there's some people

642
00:28:30,480 --> 00:28:32,840
Speaker 2: out there who aren't disclosed minded, I think will be okay,

643
00:28:32,880 --> 00:28:35,159
Speaker 2: but I'm taking it. I guess my official Brown break

644
00:28:35,600 --> 00:28:38,240
Speaker 2: is on the lie surrounding what it.

645
00:28:38,240 --> 00:28:40,840
Speaker 1: Takes for Snarian refugees to get into the United States.

646
00:28:53,160 --> 00:28:56,400
Speaker 2: Well, for our tips today, I wanted to We got

647
00:28:56,680 --> 00:28:59,320
Speaker 2: a couple of really good read your emails, so we're

648
00:28:59,320 --> 00:29:02,000
Speaker 2: gonna try and answer one per episode. And if you

649
00:29:02,000 --> 00:29:05,000
Speaker 2: want to send us a question about anything, your finances,

650
00:29:05,040 --> 00:29:08,440
Speaker 2: your career, your leve la, we'll try and answer it

651
00:29:08,480 --> 00:29:10,640
Speaker 2: on the air. You can email us at Brown Ambition

652
00:29:10,800 --> 00:29:13,560
Speaker 2: Podcast at gmail dot dot com.

653
00:29:13,600 --> 00:29:14,440
Speaker 4: I got the last part.

654
00:29:14,440 --> 00:29:18,280
Speaker 2: Good yeah, Brown Ambition Podcast at gmail dot com. Send

655
00:29:18,320 --> 00:29:20,920
Speaker 2: us your question. You can be anonymous, but most people

656
00:29:20,920 --> 00:29:22,920
Speaker 2: have been giving us their first name, which has been nice.

657
00:29:23,000 --> 00:29:23,480
Speaker 1: Helps us.

658
00:29:23,520 --> 00:29:25,560
Speaker 2: You know, I feel like we're talking to a real person.

659
00:29:26,640 --> 00:29:28,760
Speaker 2: So today's question, I'll read it real quick. It comes

660
00:29:28,800 --> 00:29:32,800
Speaker 2: from Taran. Thanks miss Arran for listening. She says, I

661
00:29:32,840 --> 00:29:35,760
Speaker 2: am thirty six, I'm single, and I have no children.

662
00:29:35,960 --> 00:29:38,360
Speaker 2: And Taren has a question about her four oh one

663
00:29:38,440 --> 00:29:41,920
Speaker 2: k situation. She says, I'm currently working full time in

664
00:29:41,960 --> 00:29:44,400
Speaker 2: the nonprofit world, but she has dreams of becoming a

665
00:29:44,400 --> 00:29:48,640
Speaker 2: non traditional non to five career woman. She changes jobs

666
00:29:48,680 --> 00:29:51,280
Speaker 2: every one and a half years, and she says, I

667
00:29:51,360 --> 00:29:53,760
Speaker 2: usually contribute to the four oh one K, which means

668
00:29:53,760 --> 00:29:55,720
Speaker 2: she has a few four to one K accounts that

669
00:29:55,840 --> 00:29:58,520
Speaker 2: range from like nine hundred to twenty one hundred dollars

670
00:29:58,840 --> 00:30:01,520
Speaker 2: floating out there in the world. She says, I recently

671
00:30:01,520 --> 00:30:03,600
Speaker 2: started a new job, and it's time to sign up

672
00:30:03,640 --> 00:30:06,800
Speaker 2: for four oh one K. So Tarin has a few

673
00:30:06,800 --> 00:30:08,600
Speaker 2: different questions here. I'm going to start with the very

674
00:30:08,600 --> 00:30:11,560
Speaker 2: first one, which is essentially, I have these four toh

675
00:30:11,560 --> 00:30:14,480
Speaker 2: one K accounts floating out there with a couple hundred

676
00:30:14,480 --> 00:30:15,000
Speaker 2: bucks in them?

677
00:30:15,160 --> 00:30:16,200
Speaker 1: What should I do?

678
00:30:16,880 --> 00:30:20,480
Speaker 3: I say that she it's it's never wise to have

679
00:30:20,880 --> 00:30:26,200
Speaker 3: too many of these, like retirement accounts with the actual

680
00:30:26,240 --> 00:30:29,120
Speaker 3: company that you used to be before, because it's easy

681
00:30:29,120 --> 00:30:31,920
Speaker 3: to lose track, and so it's best to do what's

682
00:30:31,960 --> 00:30:34,200
Speaker 3: called a rollover. Not you don't you go and take

683
00:30:34,240 --> 00:30:35,520
Speaker 3: the money out, because you're going to be hit with

684
00:30:35,560 --> 00:30:37,360
Speaker 3: all kinds of fees and taxes and stuff and you'll

685
00:30:37,400 --> 00:30:38,040
Speaker 3: lose some money.

686
00:30:38,280 --> 00:30:40,760
Speaker 4: But to go to whatever bank that you use, or

687
00:30:41,360 --> 00:30:41,720
Speaker 4: if you.

688
00:30:41,720 --> 00:30:44,560
Speaker 3: Have some sort of outside ira or roth ira at

689
00:30:44,560 --> 00:30:46,800
Speaker 3: a bank, ask them to roll it over for you,

690
00:30:46,840 --> 00:30:48,720
Speaker 3: so that way you can have all of those accounts

691
00:30:48,920 --> 00:30:51,200
Speaker 3: at one place, and then you could still have your

692
00:30:51,240 --> 00:30:54,320
Speaker 3: current retirement account at your current company.

693
00:30:54,960 --> 00:30:56,120
Speaker 1: So doing yeah, that'stuff.

694
00:30:56,240 --> 00:30:57,680
Speaker 2: The first part you got to do is go find

695
00:30:57,720 --> 00:31:00,040
Speaker 2: those old accounts because even if you go through so

696
00:31:00,080 --> 00:31:02,160
Speaker 2: you're about to start a new job, even if you've

697
00:31:02,160 --> 00:31:03,760
Speaker 2: set up a four to one K through your new job,

698
00:31:03,760 --> 00:31:05,120
Speaker 2: they won't be able to tell you where your old

699
00:31:05,120 --> 00:31:07,120
Speaker 2: accounts are. So you have to go down the list

700
00:31:07,160 --> 00:31:09,240
Speaker 2: of your employers, try and go on LinkedIn if it's

701
00:31:09,240 --> 00:31:10,760
Speaker 2: that many, and try and make.

702
00:31:10,600 --> 00:31:11,160
Speaker 1: A little list.

703
00:31:11,240 --> 00:31:13,200
Speaker 2: Go to all your old employers, ask them to tell

704
00:31:13,240 --> 00:31:15,720
Speaker 2: you where your account's being held, go through the steps

705
00:31:15,760 --> 00:31:17,239
Speaker 2: trying to figure out where it is, and then you

706
00:31:17,280 --> 00:31:20,840
Speaker 2: go through that account holder and set up a it's

707
00:31:20,880 --> 00:31:25,240
Speaker 2: called a plan to plan rollover basically, so you'll ask

708
00:31:25,280 --> 00:31:27,840
Speaker 2: them to just transfer the cash in your in that

709
00:31:27,920 --> 00:31:31,360
Speaker 2: four to one K account to your new one. Her

710
00:31:31,400 --> 00:31:34,640
Speaker 2: other question, though, is since I switch jobs every one

711
00:31:34,680 --> 00:31:36,440
Speaker 2: and a half years or so, does it make any

712
00:31:36,480 --> 00:31:38,160
Speaker 2: sense to open up a new four to one K

713
00:31:38,240 --> 00:31:38,960
Speaker 2: at my new job?

714
00:31:40,240 --> 00:31:43,320
Speaker 1: Which is a really good question. It is I feel

715
00:31:43,320 --> 00:31:45,040
Speaker 1: like if if your new.

716
00:31:45,000 --> 00:31:45,920
Speaker 4: Job opers match.

717
00:31:46,240 --> 00:31:49,880
Speaker 2: Ye, yes, absolutely, do not turn down that free money.

718
00:31:50,280 --> 00:31:52,600
Speaker 2: If they don't match, you might just want to open

719
00:31:52,680 --> 00:31:57,000
Speaker 2: up your own individual retirement account and IRA. You can

720
00:31:57,040 --> 00:32:01,880
Speaker 2: do that through Vanguard Fidelity. Charles schwas for a low cost.

721
00:32:01,960 --> 00:32:04,080
Speaker 2: You know, you might need like five hundred two one

722
00:32:04,120 --> 00:32:07,000
Speaker 2: thousand dollars to open up one initially, and then you'll

723
00:32:07,000 --> 00:32:08,720
Speaker 2: have your own little pot of money and you can

724
00:32:08,760 --> 00:32:11,520
Speaker 2: still get all your old four oh one ks rolled

725
00:32:11,520 --> 00:32:12,560
Speaker 2: over into that new IRA.

726
00:32:13,040 --> 00:32:16,160
Speaker 3: Yeah, agreed that, like, yeah, if they're not matching and

727
00:32:16,200 --> 00:32:19,120
Speaker 3: you're feeling like you're going to jump around again, then yeah,

728
00:32:19,600 --> 00:32:20,120
Speaker 3: then do that.

729
00:32:20,240 --> 00:32:23,280
Speaker 4: But if like, let's just say they a lot of companies.

730
00:32:22,960 --> 00:32:26,120
Speaker 3: Will match after like six months, so you definitely want

731
00:32:26,160 --> 00:32:26,760
Speaker 3: to get that money.

732
00:32:26,760 --> 00:32:27,560
Speaker 4: It doesn't make sense.

733
00:32:27,560 --> 00:32:29,400
Speaker 3: So for those of you who are like what's matching,

734
00:32:29,480 --> 00:32:31,080
Speaker 3: because when I was like twenty something, I would have

735
00:32:31,120 --> 00:32:32,320
Speaker 3: totally been like, what's that mean?

736
00:32:32,600 --> 00:32:34,480
Speaker 4: And that just means that when you're with a company.

737
00:32:34,920 --> 00:32:37,720
Speaker 3: So when I used to work for a nonprofit, they

738
00:32:37,760 --> 00:32:39,680
Speaker 3: had a four to oh three B which is basically

739
00:32:39,720 --> 00:32:41,920
Speaker 3: like a four to one pai K for nonprofits, and

740
00:32:41,920 --> 00:32:45,560
Speaker 3: that was my retirement account. And then after like six months,

741
00:32:45,600 --> 00:32:48,080
Speaker 3: I was like vested, which just basically means they were like, okay,

742
00:32:48,080 --> 00:32:50,040
Speaker 3: you're here, so the money.

743
00:32:49,800 --> 00:32:52,240
Speaker 4: You put in, we will match up to six percent.

744
00:32:52,520 --> 00:32:56,120
Speaker 3: That meant, if I put one percent of my income

745
00:32:56,240 --> 00:32:58,560
Speaker 3: into my retirement account, they put one percent. If I

746
00:32:58,600 --> 00:33:00,760
Speaker 3: put three, they put three. If I put six, they

747
00:33:00,760 --> 00:33:03,280
Speaker 3: put six. If I put seven, they still put six

748
00:33:03,320 --> 00:33:04,440
Speaker 3: because that was their max.

749
00:33:04,920 --> 00:33:06,560
Speaker 4: So if your company.

750
00:33:06,240 --> 00:33:10,120
Speaker 3: Is going to put a percentage in, then at the

751
00:33:10,240 --> 00:33:12,240
Speaker 3: very least put up to what they're gonna put in.

752
00:33:12,280 --> 00:33:14,600
Speaker 3: So six plus six equals twelve percent of your income

753
00:33:14,960 --> 00:33:16,520
Speaker 3: going into your retirement account.

754
00:33:16,880 --> 00:33:18,040
Speaker 4: That's what we mean by matching.

755
00:33:18,480 --> 00:33:19,320
Speaker 1: It's a beautiful thing.

756
00:33:19,360 --> 00:33:21,440
Speaker 2: My very first big girl job in New York that

757
00:33:21,560 --> 00:33:24,240
Speaker 2: I did not realize until I was almost leaving.

758
00:33:24,280 --> 00:33:26,840
Speaker 1: I was there for two years. They matched one hundred percent.

759
00:33:27,120 --> 00:33:31,080
Speaker 2: No, baby Jesus, it was so hard, but you know,

760
00:33:31,320 --> 00:33:33,000
Speaker 2: and it wasn't until I got this job being a

761
00:33:33,000 --> 00:33:35,320
Speaker 2: personal finance reporter where I finally learned all that, and

762
00:33:35,360 --> 00:33:38,120
Speaker 2: I was like, damn it, but I was so I mean, honestly,

763
00:33:38,160 --> 00:33:40,360
Speaker 2: I was making such little money I probably wouldn't even

764
00:33:40,400 --> 00:33:42,400
Speaker 2: I barely was making rent, so I don't know if

765
00:33:42,400 --> 00:33:44,600
Speaker 2: I would have contributed that much, but it was a

766
00:33:44,680 --> 00:33:49,120
Speaker 2: lesson learned. Yeah, so definitely think about opening your own IRA,

767
00:33:49,280 --> 00:33:51,280
Speaker 2: because that way you won't have always little accounts floating

768
00:33:51,280 --> 00:33:52,680
Speaker 2: out that you'll just have it all in one place.

769
00:33:53,600 --> 00:33:56,640
Speaker 2: And you should definitely set up automatic withdrawals.

770
00:33:57,240 --> 00:33:59,360
Speaker 1: Automatic is the best.

771
00:33:59,480 --> 00:34:02,560
Speaker 2: It is, Like, let me tell you so I automatic.

772
00:34:04,120 --> 00:34:05,680
Speaker 2: Let me back up a little bit. So I've been

773
00:34:05,720 --> 00:34:09,720
Speaker 2: writing personal finance for like almost five years now. Every

774
00:34:09,800 --> 00:34:12,840
Speaker 2: time I see a headline that's like the seven pieces

775
00:34:12,880 --> 00:34:16,120
Speaker 2: of advice millionaires always give, like the seven things millionaires

776
00:34:16,160 --> 00:34:18,520
Speaker 2: do to earn their money, or the one piece of

777
00:34:18,560 --> 00:34:21,640
Speaker 2: advice Warren Buffett has, Like every single time I know

778
00:34:21,719 --> 00:34:23,919
Speaker 2: exactly what I'm going to see, it's going to say

779
00:34:23,960 --> 00:34:25,440
Speaker 2: save and automate it.

780
00:34:25,680 --> 00:34:29,000
Speaker 1: Yes, because it works. Okay, because it works.

781
00:34:28,880 --> 00:34:31,359
Speaker 2: So definitely you want to, Yeah, think about opening your

782
00:34:31,400 --> 00:34:35,160
Speaker 2: own IRA. Tarn And then her last question, well, she

783
00:34:35,200 --> 00:34:36,760
Speaker 2: has a couple more. She has a lot of questions

784
00:34:36,800 --> 00:34:39,080
Speaker 2: packed into one. She wants to know how much should

785
00:34:39,120 --> 00:34:43,960
Speaker 2: I be contributing? So when you're automating your savings, I

786
00:34:44,000 --> 00:34:47,640
Speaker 2: mean the general rule of thumb is ten percent. Okay,

787
00:34:48,120 --> 00:34:50,839
Speaker 2: if your employer is going to match five percent, then

788
00:34:50,880 --> 00:34:53,160
Speaker 2: you only have to put in five percent. It'd be

789
00:34:53,200 --> 00:34:54,600
Speaker 2: great if you can put in ten, but again, you

790
00:34:54,640 --> 00:34:58,360
Speaker 2: just want to capture that match. I personally contribute twelve percent,

791
00:34:58,480 --> 00:35:01,319
Speaker 2: and that is because I spent, like I said, two

792
00:35:01,400 --> 00:35:05,320
Speaker 2: years of my life wasting, not spending or not saving

793
00:35:05,320 --> 00:35:07,200
Speaker 2: for retirement. So I'm playing a little bit of catch up,

794
00:35:07,600 --> 00:35:10,280
Speaker 2: so I saved twelve I've heard between ten and fifteen percent.

795
00:35:10,320 --> 00:35:12,560
Speaker 3: I would say that ten well, and you know why too,

796
00:35:12,719 --> 00:35:15,080
Speaker 3: especially for women, ten percent.

797
00:35:14,840 --> 00:35:15,960
Speaker 4: Is really like the rule of thumb.

798
00:35:16,000 --> 00:35:18,799
Speaker 3: I feel like for men, but we live longer, So

799
00:35:19,200 --> 00:35:21,120
Speaker 3: I would say for women, like I think twelve where

800
00:35:21,120 --> 00:35:25,080
Speaker 3: you're doing now is great. That twelve percent is, I mean,

801
00:35:25,080 --> 00:35:26,480
Speaker 3: because why not have more.

802
00:35:26,320 --> 00:35:27,640
Speaker 4: For your older self, you know?

803
00:35:28,640 --> 00:35:31,839
Speaker 3: You know. So I actually set aside twenty percent because

804
00:35:31,880 --> 00:35:35,839
Speaker 3: I'm self employed, so I don't have the benefit of like,

805
00:35:36,360 --> 00:35:38,640
Speaker 3: you know, having you know, a four to one k

806
00:35:38,760 --> 00:35:41,200
Speaker 3: anymore or four or three b And so I set

807
00:35:41,239 --> 00:35:45,200
Speaker 3: aside a larger percentage because I don't know, I'm just like,

808
00:35:45,200 --> 00:35:46,680
Speaker 3: I'm self employed, so I want to make sure that

809
00:35:46,680 --> 00:35:48,640
Speaker 3: I'm super covered, you know, because I'm not. I'm not

810
00:35:48,719 --> 00:35:52,439
Speaker 3: contributing to my social security like like I was before

811
00:35:52,440 --> 00:35:53,920
Speaker 3: I'm like, am I contributing to my Social Security?

812
00:35:53,960 --> 00:35:55,880
Speaker 4: I don't know, that's a question for my account.

813
00:35:55,400 --> 00:35:58,320
Speaker 1: But do you have it? So you have an IRA setup?

814
00:35:58,560 --> 00:35:59,319
Speaker 4: I do I have?

815
00:35:59,480 --> 00:36:01,359
Speaker 3: So the thing is I do twenty percent, but I

816
00:36:01,400 --> 00:36:05,480
Speaker 3: do ten percent of it is strictly retirement and ten

817
00:36:05,520 --> 00:36:07,560
Speaker 3: percent of it is investing for wealth.

818
00:36:08,080 --> 00:36:10,040
Speaker 4: So that's how Yeah, So that's how I split mind that.

819
00:36:10,120 --> 00:36:13,000
Speaker 3: It's like, oh, okay, so James, who's my who's my

820
00:36:13,160 --> 00:36:15,240
Speaker 3: financial advisor? We're actually going to sit down and talk

821
00:36:16,080 --> 00:36:18,120
Speaker 3: in a few weeks because I'm like, James, I'm coming

822
00:36:18,120 --> 00:36:19,560
Speaker 3: into some money the budget he says.

823
00:36:19,480 --> 00:36:20,960
Speaker 4: Kicking button, taking names.

824
00:36:21,280 --> 00:36:22,640
Speaker 3: So I just love James because I could talk to

825
00:36:22,719 --> 00:36:25,200
Speaker 3: him like that, and I was like, so what should

826
00:36:25,200 --> 00:36:26,719
Speaker 3: I do? He's like, come see me so we can

827
00:36:26,760 --> 00:36:30,280
Speaker 3: like re you know, reorganize, like where your money is going.

828
00:36:30,400 --> 00:36:33,000
Speaker 2: So and it's hard to answer that question for a

829
00:36:33,040 --> 00:36:34,919
Speaker 2: person we don't know either. I don't know your entire

830
00:36:34,920 --> 00:36:37,719
Speaker 2: financial history. So I would say, you know, if you

831
00:36:37,880 --> 00:36:39,759
Speaker 2: feel like ten percent is too much, what you can

832
00:36:39,840 --> 00:36:42,080
Speaker 2: do is just start with like start with six Let's

833
00:36:42,080 --> 00:36:44,040
Speaker 2: say start with five six percent that's a little bit

834
00:36:44,040 --> 00:36:46,759
Speaker 2: of money, and then some four wing k plans and

835
00:36:46,800 --> 00:36:49,959
Speaker 2: even iras out there will do a thing where every

836
00:36:50,000 --> 00:36:52,759
Speaker 2: year it not just ratches it up by one percentage point.

837
00:36:52,880 --> 00:36:54,879
Speaker 2: So next year I'll go to seven. The year iflet

838
00:36:54,880 --> 00:36:56,880
Speaker 2: I'll go up to eight. And if you do that,

839
00:36:56,880 --> 00:36:59,040
Speaker 2: then you'll be saving a little bit more automatically. Again,

840
00:36:59,040 --> 00:37:01,960
Speaker 2: you probably won't even feel it, because one percent feels

841
00:37:01,960 --> 00:37:04,560
Speaker 2: a lot less painful than me exactly going from six

842
00:37:04,600 --> 00:37:08,040
Speaker 2: to ten and you know, one minute. So that's one

843
00:37:08,040 --> 00:37:10,840
Speaker 2: idea if your plan offers, I'm doing that. Actually, So

844
00:37:11,400 --> 00:37:13,560
Speaker 2: I think this year, so I started out eleven percent

845
00:37:13,800 --> 00:37:15,359
Speaker 2: and now I'm at twelve, and I think next Ye'll

846
00:37:15,400 --> 00:37:15,880
Speaker 2: be thirteen.

847
00:37:16,840 --> 00:37:17,960
Speaker 1: Working my way up.

848
00:37:18,600 --> 00:37:19,319
Speaker 4: That's how I did too.

849
00:37:19,360 --> 00:37:21,399
Speaker 3: I think I started off at like five percent. It's

850
00:37:21,600 --> 00:37:24,399
Speaker 3: like every year I would bump and bump, and now

851
00:37:24,400 --> 00:37:28,480
Speaker 3: I'm at twenty and I think that I'll probably cap myself.

852
00:37:28,440 --> 00:37:29,960
Speaker 4: At twenty or I might not. I might do.

853
00:37:30,040 --> 00:37:31,560
Speaker 3: I feel like if you if I'm making way more,

854
00:37:31,560 --> 00:37:33,800
Speaker 3: because I'm pretty simply. If I all of a sudden

855
00:37:33,840 --> 00:37:37,400
Speaker 3: make a million dollars next year, hand to God, praise him.

856
00:37:37,719 --> 00:37:38,360
Speaker 4: No, if I'm making it.

857
00:37:39,440 --> 00:37:41,759
Speaker 3: If I make a million dollars next year, then I

858
00:37:41,920 --> 00:37:44,560
Speaker 3: likely do even more because I won't be needing a

859
00:37:44,560 --> 00:37:46,359
Speaker 3: million to live off of. And no, I don't give

860
00:37:46,400 --> 00:37:49,120
Speaker 3: out loans, so don't even try a bah so, folks,

861
00:37:49,400 --> 00:37:51,080
Speaker 3: because some of y'all hit me behind the scenes.

862
00:37:51,120 --> 00:37:54,040
Speaker 4: Now I'm just joking any other girl, No, I'm just joking.

863
00:37:54,080 --> 00:37:54,440
Speaker 1: Thank God.

864
00:37:54,560 --> 00:37:56,360
Speaker 4: I'm like no, because honestly, the answer is no.

865
00:37:56,719 --> 00:37:59,400
Speaker 2: And automating automative is just think of it as. You know,

866
00:37:59,440 --> 00:38:01,400
Speaker 2: my little brother I just talked to him about saving.

867
00:38:01,760 --> 00:38:03,640
Speaker 2: He just started his first job. He's making really good

868
00:38:03,680 --> 00:38:05,680
Speaker 2: money and he's feeling kind of in some way about

869
00:38:05,719 --> 00:38:07,279
Speaker 2: himself and he's like, oh, you know, I don't really

870
00:38:07,320 --> 00:38:09,520
Speaker 2: want to save. I want to enjoy my money. And

871
00:38:09,600 --> 00:38:11,759
Speaker 2: when he said that, I was like, but saving is

872
00:38:11,800 --> 00:38:14,000
Speaker 2: not taking. You're not giving your money to someone else.

873
00:38:14,040 --> 00:38:17,120
Speaker 2: You're literally paying yourself. Like that's what you should think

874
00:38:17,160 --> 00:38:20,120
Speaker 2: of saving as And he's like, paying myself. Yeah, you're right,

875
00:38:20,160 --> 00:38:23,000
Speaker 2: it's not disappearing. I'm still got it. I'm like, yes,

876
00:38:23,360 --> 00:38:25,759
Speaker 2: people really have this like mental block when they think

877
00:38:25,800 --> 00:38:27,600
Speaker 2: that they're saving, but it's not their money anymore.

878
00:38:27,600 --> 00:38:31,440
Speaker 1: I'm like, yes, it is exactly. It's actually still there.

879
00:38:31,840 --> 00:38:34,080
Speaker 3: Because people too when it comes to retirement. It's because

880
00:38:34,080 --> 00:38:35,919
Speaker 3: they cannot connect with their older self.

881
00:38:35,960 --> 00:38:37,480
Speaker 4: So that's why I named my older self.

882
00:38:37,680 --> 00:38:39,399
Speaker 3: I named her Wanda, and I encourage you to name

883
00:38:39,440 --> 00:38:42,080
Speaker 3: your older self tern you know, maybe her name is Teresa.

884
00:38:42,120 --> 00:38:44,680
Speaker 3: I don't know, but I always think to myself like, Ooh,

885
00:38:44,760 --> 00:38:47,719
Speaker 3: do I really want Wanda eating cat food? Or do

886
00:38:47,840 --> 00:38:50,360
Speaker 3: I really want Wanda like, you know, struggling because you

887
00:38:50,360 --> 00:38:52,239
Speaker 3: have to think about it. Imagine if you live with

888
00:38:52,280 --> 00:38:55,920
Speaker 3: your grandma and it's between you and grandma has to

889
00:38:55,920 --> 00:38:57,560
Speaker 3: go to work to like pay these bills.

890
00:38:57,760 --> 00:38:59,440
Speaker 4: You would never say you're well, you.

891
00:38:59,440 --> 00:39:02,160
Speaker 3: Never know, but most people who would never send their

892
00:39:02,160 --> 00:39:04,759
Speaker 3: grandma out like grandma, you better go to work, girl.

893
00:39:04,800 --> 00:39:06,920
Speaker 3: These bills are not gonna pay themselves. You would not

894
00:39:07,000 --> 00:39:09,719
Speaker 3: do that, But we do that with our older selves.

895
00:39:10,080 --> 00:39:12,360
Speaker 3: We do less now, and then what do you think's

896
00:39:12,400 --> 00:39:14,120
Speaker 3: gonna happen when we get to be older.

897
00:39:14,480 --> 00:39:16,800
Speaker 4: We're gonna have to put in work because of.

898
00:39:16,680 --> 00:39:19,439
Speaker 3: The flacking we kind of did when we were younger. Really,

899
00:39:19,520 --> 00:39:21,920
Speaker 3: it's your younger self's job to take care of your

900
00:39:21,920 --> 00:39:24,040
Speaker 3: older self. So try to think of your older self

901
00:39:24,040 --> 00:39:26,560
Speaker 3: like your own grandma, and you know, treat her kindly,

902
00:39:26,719 --> 00:39:28,000
Speaker 3: don't make her work instead.

903
00:39:28,080 --> 00:39:29,879
Speaker 4: You work now because you're younger.

904
00:39:29,960 --> 00:39:32,120
Speaker 2: And Tara in your thirty six, you have another fifty

905
00:39:32,200 --> 00:39:35,000
Speaker 2: years probably mm hmm, you know, if you're to live

906
00:39:35,040 --> 00:39:37,160
Speaker 2: to the average age for women, which is like I think, what.

907
00:39:37,200 --> 00:39:39,080
Speaker 1: Eighty six, something like that, eighty five.

908
00:39:39,600 --> 00:39:41,080
Speaker 2: Anyway, it's a couple of years older than then a

909
00:39:41,120 --> 00:39:43,520
Speaker 2: few years actually, so we have, like Tiffany said, you

910
00:39:43,600 --> 00:39:45,919
Speaker 2: have much longer to be saving four And don't think

911
00:39:45,960 --> 00:39:49,040
Speaker 2: that you're ever too young to start saving, you know,

912
00:39:49,120 --> 00:39:51,040
Speaker 2: And don't think that I'll all just start saving next

913
00:39:51,120 --> 00:39:51,839
Speaker 2: year when I'm rich.

914
00:39:52,200 --> 00:39:53,839
Speaker 1: Now, exactly the saving is what.

915
00:39:53,800 --> 00:39:56,080
Speaker 4: Gets you rich, you know, exactly, save now.

916
00:39:56,239 --> 00:39:59,799
Speaker 2: So if she had a quick technical question, which was

917
00:40:00,200 --> 00:40:04,319
Speaker 2: roth four one k or traditional four to one K,

918
00:40:04,840 --> 00:40:06,520
Speaker 2: and I don't want to get too much into the

919
00:40:06,520 --> 00:40:08,480
Speaker 2: weeds about this, but it and you can do all,

920
00:40:08,600 --> 00:40:10,839
Speaker 2: she says herself. I've done the googles, and I feel

921
00:40:10,880 --> 00:40:12,600
Speaker 2: like I have a pretty good idea about the difference.

922
00:40:12,800 --> 00:40:14,640
Speaker 2: So you can easily google this. I've written a ton

923
00:40:14,640 --> 00:40:17,239
Speaker 2: of stuff. Just google Mandy Wood driff Roth four one K.

924
00:40:17,280 --> 00:40:19,520
Speaker 2: You'll probably find an article on it. So the main

925
00:40:19,560 --> 00:40:22,080
Speaker 2: difference between a wroth and a traditional is when you

926
00:40:22,120 --> 00:40:25,719
Speaker 2: pay taxes on it. So with a ROTH, you are

927
00:40:25,800 --> 00:40:29,040
Speaker 2: putting money in and you're paying taxes immediately. This is

928
00:40:29,080 --> 00:40:31,319
Speaker 2: cool because when you retire you take the money out,

929
00:40:31,320 --> 00:40:34,920
Speaker 2: you don't pay any taxes. Well, traditional you're deferring that

930
00:40:34,960 --> 00:40:37,520
Speaker 2: tax benefit. So you're putting the money in and when

931
00:40:37,560 --> 00:40:39,760
Speaker 2: you take it out later, you're going to pay taxes

932
00:40:39,760 --> 00:40:40,000
Speaker 2: on it.

933
00:40:40,640 --> 00:40:41,319
Speaker 1: So's it.

934
00:40:41,400 --> 00:40:44,040
Speaker 2: Why would you sign up for a ROTH versus traditional?

935
00:40:44,200 --> 00:40:47,040
Speaker 2: So if you were younger, and you think you're probably

936
00:40:47,080 --> 00:40:49,600
Speaker 2: if you're younger now, you know you're probably early in

937
00:40:49,680 --> 00:40:51,520
Speaker 2: your career, you're probably going to be earning less.

938
00:40:51,360 --> 00:40:53,120
Speaker 1: Now than you will later exactly.

939
00:40:53,239 --> 00:40:54,879
Speaker 2: So if you put money in a ROTH, you'll pay

940
00:40:54,960 --> 00:40:58,040
Speaker 2: a lower tax bracket today than you would if you

941
00:40:58,360 --> 00:41:02,279
Speaker 2: paid taxes later, when you retire, you'll probably be earning more.

942
00:41:02,360 --> 00:41:04,719
Speaker 2: So for that reason, it pretty much makes sense to

943
00:41:04,960 --> 00:41:05,720
Speaker 2: go with the ROTH.

944
00:41:06,400 --> 00:41:10,520
Speaker 1: But again, it's really hard to give detailed personal advice.

945
00:41:11,120 --> 00:41:14,640
Speaker 2: No, we don't know, so, like Tiffany has James, I

946
00:41:14,800 --> 00:41:17,440
Speaker 2: have used a financial planner before. Through a service called

947
00:41:17,520 --> 00:41:20,120
Speaker 2: learn invest, you can go out there and find like

948
00:41:20,360 --> 00:41:23,000
Speaker 2: find someone a financial planner to sit down with you,

949
00:41:23,440 --> 00:41:26,400
Speaker 2: like one on one if you want to like a

950
00:41:26,440 --> 00:41:29,200
Speaker 2: fee only planner, and they'll just charge you for like

951
00:41:29,239 --> 00:41:31,239
Speaker 2: the hour, or just charge you for the plan. And

952
00:41:31,280 --> 00:41:33,920
Speaker 2: they're not going to like attach their salary to whatever

953
00:41:34,080 --> 00:41:35,920
Speaker 2: gains you make on your accounts. They're not going to

954
00:41:35,960 --> 00:41:38,719
Speaker 2: try and sell you any products. You really want to

955
00:41:38,719 --> 00:41:41,200
Speaker 2: look for a fee only planner. There's a website I

956
00:41:41,280 --> 00:41:44,200
Speaker 2: point people to called NAPFA and a p AS and

957
00:41:44,280 --> 00:41:48,080
Speaker 2: Paul f AS and frank a dot org National Association

958
00:41:48,200 --> 00:41:50,640
Speaker 2: of Personal Financial Advisors I forget.

959
00:41:50,719 --> 00:41:51,800
Speaker 1: Yeah, they have NAPPA.

960
00:41:51,920 --> 00:41:53,959
Speaker 2: They have a whole database of people who are fee

961
00:41:53,960 --> 00:41:55,920
Speaker 2: only planners and you can put in your zip code

962
00:41:56,000 --> 00:41:57,920
Speaker 2: and then you go and find them in your area.

963
00:41:58,360 --> 00:41:59,520
Speaker 2: I mean, it's kind of like trying to find a

964
00:41:59,560 --> 00:42:02,839
Speaker 2: good guy. Now. Yeah, all you gotta like interview them,

965
00:42:02,880 --> 00:42:04,280
Speaker 2: and you do feel comfortable.

966
00:42:04,840 --> 00:42:06,399
Speaker 3: You want to make sure that these people are looking

967
00:42:06,440 --> 00:42:08,720
Speaker 3: after you. And it's not just like I chose James

968
00:42:08,719 --> 00:42:11,080
Speaker 3: because I had been looking for two years and I

969
00:42:11,120 --> 00:42:16,520
Speaker 3: was looking for someone who was passionate about investing the

970
00:42:16,560 --> 00:42:19,359
Speaker 3: way I was about budgeting and saving stuff like that,

971
00:42:19,440 --> 00:42:21,440
Speaker 3: you know. And what I loved about James is that

972
00:42:21,480 --> 00:42:25,040
Speaker 3: he was like he he could talk about investing all

973
00:42:25,120 --> 00:42:26,640
Speaker 3: day it's the point where I was like, James, I

974
00:42:26,640 --> 00:42:30,680
Speaker 3: gotta go home. And I love that because I was

975
00:42:30,719 --> 00:42:33,120
Speaker 3: like wow, because what that signified to me was that

976
00:42:33,480 --> 00:42:35,800
Speaker 3: James was going to do a good job because of James,

977
00:42:35,840 --> 00:42:36,919
Speaker 3: not because of anything else.

978
00:42:37,200 --> 00:42:39,440
Speaker 4: Because he loved it. You could tell that he loved it.

979
00:42:39,840 --> 00:42:42,040
Speaker 3: And it took me a long time to find someone

980
00:42:42,080 --> 00:42:44,600
Speaker 3: who was loving it like that, because you know, I

981
00:42:45,120 --> 00:42:46,840
Speaker 3: just wanted to make sure someone was going to do

982
00:42:46,960 --> 00:42:48,759
Speaker 3: right by me because it was just in them to

983
00:42:48,800 --> 00:42:49,279
Speaker 3: do that way.

984
00:42:49,520 --> 00:42:50,560
Speaker 4: So even like all of.

985
00:42:50,480 --> 00:42:54,640
Speaker 3: My financial like I have a money team, my accountain, Carlos,

986
00:42:54,640 --> 00:42:57,880
Speaker 3: same way, Carlos is like he loves some taxes. I'm like, Carlos,

987
00:42:57,920 --> 00:43:03,640
Speaker 3: nobody cares, but Carlos is like and then and so

988
00:43:03,760 --> 00:43:06,680
Speaker 3: my bookkeeper same way. She's awesome. She's like, Timmy, you're

989
00:43:06,680 --> 00:43:08,680
Speaker 3: spending this and you're doing that, and here's the trends.

990
00:43:09,000 --> 00:43:11,359
Speaker 3: And so if you're looking to build your money team,

991
00:43:11,440 --> 00:43:17,160
Speaker 3: your your financial advisor, your accountant, your bookkeeper, all of

992
00:43:17,200 --> 00:43:20,239
Speaker 3: these people, you want to make sure that they they

993
00:43:20,280 --> 00:43:22,359
Speaker 3: bring to the table what you're looking for. Like I said,

994
00:43:22,360 --> 00:43:25,080
Speaker 3: for me, I was looking for passionate about their specific

995
00:43:26,040 --> 00:43:26,840
Speaker 3: subject area.

996
00:43:27,320 --> 00:43:28,680
Speaker 4: And you know, but that might not be.

997
00:43:28,680 --> 00:43:30,440
Speaker 3: Something for you that's important. You might be looking for

998
00:43:30,440 --> 00:43:33,160
Speaker 3: something else. But build a money team and start early.

999
00:43:33,960 --> 00:43:36,719
Speaker 1: M it's like the new squad squad. Make this your

1000
00:43:36,719 --> 00:43:40,839
Speaker 1: squad goals. Yeah, pretty models are cool, but they are

1001
00:43:40,880 --> 00:43:42,280
Speaker 1: not going to do your taxes.

1002
00:43:41,920 --> 00:43:44,040
Speaker 2: For you exactly or help you figure out how to

1003
00:43:44,040 --> 00:43:47,120
Speaker 2: buy a house. So, Terran, I hope that helped answer

1004
00:43:47,200 --> 00:43:50,399
Speaker 2: your bazillion questions. You're sneaky, like six quotions in this one,

1005
00:43:51,040 --> 00:43:51,840
Speaker 2: and you ba.

1006
00:43:51,680 --> 00:43:53,400
Speaker 3: Folks, don't try to be like Tarran, like I'm a

1007
00:43:53,440 --> 00:43:56,880
Speaker 3: sneaking now. First question, So we let Terrence skate with

1008
00:43:56,880 --> 00:43:57,239
Speaker 3: that one.

1009
00:43:57,280 --> 00:44:00,759
Speaker 1: She had an extra one. I totally forgot. It's so many.

1010
00:44:01,000 --> 00:44:03,239
Speaker 2: She said she's trying to buy a home and trying

1011
00:44:03,239 --> 00:44:04,560
Speaker 2: to go back to school, and I don't know if

1012
00:44:04,560 --> 00:44:07,640
Speaker 2: I can really afford to reduce my income. Well not

1013
00:44:07,719 --> 00:44:09,399
Speaker 2: if you're planning on buying a home or going back

1014
00:44:09,400 --> 00:44:09,840
Speaker 2: to school.

1015
00:44:10,400 --> 00:44:12,000
Speaker 3: Actually, I have this, said you get a chance, Terrent.

1016
00:44:12,040 --> 00:44:13,719
Speaker 3: I have this checklist. So I bought a home when

1017
00:44:13,719 --> 00:44:16,480
Speaker 3: I was twenty five, and it was a big mistake.

1018
00:44:16,600 --> 00:44:23,120
Speaker 3: You ever see pretty women, huge mistake, and there was

1019
00:44:23,120 --> 00:44:25,520
Speaker 3: a there. I created a checklist if I wish what

1020
00:44:25,600 --> 00:44:27,279
Speaker 3: people would have told me. So if you go to

1021
00:44:27,280 --> 00:44:29,280
Speaker 3: the Budget East the blog and just type in home,

1022
00:44:29,719 --> 00:44:32,439
Speaker 3: so there's like seven things like, Oh, I wish somebody

1023
00:44:32,480 --> 00:44:34,400
Speaker 3: would told me that I should have made my mortgage

1024
00:44:34,400 --> 00:44:37,319
Speaker 3: what I call rentable, for example, meaning that like if

1025
00:44:37,320 --> 00:44:41,080
Speaker 3: I have to move out, then will will I be

1026
00:44:41,160 --> 00:44:43,560
Speaker 3: able to rent this house out and cover my costs?

1027
00:44:43,560 --> 00:44:45,120
Speaker 3: I didn't know that I was not able to.

1028
00:44:45,320 --> 00:44:47,200
Speaker 2: Oh, I'm going to put that in the on the

1029
00:44:47,320 --> 00:44:49,719
Speaker 2: blog post on this so you're listening now. This is

1030
00:44:49,800 --> 00:44:52,120
Speaker 2: We'll put the link to Tiffany's blog post on mortgage

1031
00:44:52,120 --> 00:44:55,160
Speaker 2: mistakes or buying a house mistakes. Yeah, so you can

1032
00:44:55,160 --> 00:45:07,800
Speaker 2: click there. All I do was when when no matter

1033
00:45:07,920 --> 00:45:11,399
Speaker 2: what we know, me on my mind and I really,

1034
00:45:11,480 --> 00:45:12,200
Speaker 2: what has it going?

1035
00:45:13,040 --> 00:45:14,839
Speaker 4: I'm like, you know what, it's terrible because I'm just

1036
00:45:14,840 --> 00:45:15,400
Speaker 4: like wait and.

1037
00:45:15,760 --> 00:45:22,120
Speaker 1: Letting him go up right, I said, really, older, right now?

1038
00:45:22,719 --> 00:45:23,920
Speaker 1: What are you here listening to?

1039
00:45:24,800 --> 00:45:25,120
Speaker 5: Oh?

1040
00:45:25,280 --> 00:45:27,399
Speaker 4: So my win from the week. It's a blash from

1041
00:45:27,440 --> 00:45:28,000
Speaker 4: the past.

1042
00:45:28,200 --> 00:45:30,160
Speaker 3: We all get hit up every once in a while,

1043
00:45:30,200 --> 00:45:33,400
Speaker 3: but by somebody we used to date before, and it's not.

1044
00:45:33,280 --> 00:45:35,520
Speaker 4: Always pleasant, but mine actually was.

1045
00:45:35,920 --> 00:45:38,320
Speaker 3: So my ex boyfriend hit me up just on Facebook

1046
00:45:38,360 --> 00:45:40,520
Speaker 3: to say, Hey, Tiffany, you know I heard your podcast.

1047
00:45:40,600 --> 00:45:42,560
Speaker 4: I'm so proud of you. I'm sure you heard this before.

1048
00:45:43,000 --> 00:45:45,320
Speaker 4: And it's just so crazy because one of the reasons

1049
00:45:45,320 --> 00:45:47,160
Speaker 4: why we broke up is because.

1050
00:45:48,440 --> 00:45:50,640
Speaker 3: He wanted a more traditional type of girl, like I

1051
00:45:50,640 --> 00:45:53,120
Speaker 3: broke up with him, but he wanted a more traditional

1052
00:45:53,200 --> 00:45:54,880
Speaker 3: like at the time, I was a preschool teacher, and

1053
00:45:54,920 --> 00:45:59,520
Speaker 3: it was very comfortable to have a preschool teacher girlfriend

1054
00:45:59,560 --> 00:46:01,040
Speaker 3: slash you know, potential wife.

1055
00:46:01,040 --> 00:46:03,640
Speaker 4: Like you go to work in the morning, you're done.

1056
00:46:03,480 --> 00:46:06,400
Speaker 3: By three, you cook, you clean. I did all that

1057
00:46:06,480 --> 00:46:09,120
Speaker 3: kind of stuff, but something in me wanted to do more.

1058
00:46:09,480 --> 00:46:11,439
Speaker 3: And I didn't know what more was, but I knew

1059
00:46:11,440 --> 00:46:13,799
Speaker 3: I wanted to do it. So I was trying out

1060
00:46:13,880 --> 00:46:16,160
Speaker 3: all these different things, Like I would come home and cook,

1061
00:46:17,000 --> 00:46:19,040
Speaker 3: but instead of hanging out and like watching TV with.

1062
00:46:19,040 --> 00:46:22,080
Speaker 4: Him like I normally would, I would, you know, be on.

1063
00:46:22,000 --> 00:46:24,640
Speaker 3: The computer or taking a class or trying to figure

1064
00:46:24,680 --> 00:46:26,799
Speaker 3: out what this feeling was inside of me of the

1065
00:46:26,840 --> 00:46:29,600
Speaker 3: more that I wanted to go after, and he came

1066
00:46:29,640 --> 00:46:32,080
Speaker 3: to kind of resent it. He would never say, don't

1067
00:46:32,080 --> 00:46:33,960
Speaker 3: do it, but it was like, you know, when you're

1068
00:46:34,000 --> 00:46:35,480
Speaker 3: with someone for a long time, we were together for

1069
00:46:35,520 --> 00:46:37,040
Speaker 3: like five or six years. You could feel it when

1070
00:46:37,040 --> 00:46:39,960
Speaker 3: they're like, oh, here she goes again, you know, yeah,

1071
00:46:40,560 --> 00:46:43,880
Speaker 3: And so after a while, I was just like, I

1072
00:46:43,920 --> 00:46:46,319
Speaker 3: felt like I was holding myself back so he could

1073
00:46:46,360 --> 00:46:46,920
Speaker 3: be okay.

1074
00:46:47,440 --> 00:46:49,480
Speaker 4: And I was twenty six at the time, and I

1075
00:46:49,520 --> 00:46:51,839
Speaker 4: was just like, yeah, I don't want to live like this.

1076
00:46:51,840 --> 00:46:54,000
Speaker 3: Like because I thought to myself at twenty six, Tippany,

1077
00:46:54,840 --> 00:46:56,359
Speaker 3: if your life is going to be like this at

1078
00:46:56,360 --> 00:46:57,600
Speaker 3: thirty six, will you be happy?

1079
00:46:57,640 --> 00:46:58,239
Speaker 4: And I said no.

1080
00:46:58,560 --> 00:47:01,640
Speaker 3: Even though he was sweet, he was kind, he was loyal,

1081
00:47:01,680 --> 00:47:04,560
Speaker 3: he was faithful, all of these great things. But I

1082
00:47:04,640 --> 00:47:07,520
Speaker 3: knew that I would not be happy holding myself back

1083
00:47:07,520 --> 00:47:08,359
Speaker 3: for the rest of my life.

1084
00:47:08,360 --> 00:47:10,880
Speaker 4: And so we broke up. It was not an easy breakup.

1085
00:47:10,920 --> 00:47:12,200
Speaker 4: He didn't take it that well.

1086
00:47:12,360 --> 00:47:15,880
Speaker 3: And at one point I was really struggling, really struggling

1087
00:47:15,920 --> 00:47:18,040
Speaker 3: after we broke up, like financially and every way. I

1088
00:47:18,080 --> 00:47:21,040
Speaker 3: lost my job, I'd lost everything, and I remember, I

1089
00:47:21,040 --> 00:47:23,120
Speaker 3: guess in a fit of anger, he like hit me

1090
00:47:23,200 --> 00:47:25,520
Speaker 3: up one day and was like, oh, so you left

1091
00:47:25,560 --> 00:47:27,000
Speaker 3: me because you thought you were going to have a

1092
00:47:27,000 --> 00:47:28,879
Speaker 3: better life, but basically look at you now.

1093
00:47:29,480 --> 00:47:33,920
Speaker 2: Oh, I breakup so ugly I know he brings out

1094
00:47:33,960 --> 00:47:38,560
Speaker 2: the nesty and everybody.

1095
00:47:36,719 --> 00:47:40,120
Speaker 4: I s, I clutched my pearls. I said, okay, thanks.

1096
00:47:40,280 --> 00:47:42,279
Speaker 3: You know, I was already feeling low, but thank you

1097
00:47:42,360 --> 00:47:46,080
Speaker 3: for pushing my face into the dirt. And you know,

1098
00:47:46,880 --> 00:47:50,680
Speaker 3: since then, he's apologized for that. And then he said, today,

1099
00:47:50,719 --> 00:47:53,680
Speaker 3: because I posted something on Facebook about being on tour

1100
00:47:53,760 --> 00:47:57,400
Speaker 3: with like Brookshield and like and Martha Stewart, I did

1101
00:47:57,440 --> 00:48:00,040
Speaker 3: just know your Value tour with MSNBC and Prudential and

1102
00:48:00,360 --> 00:48:02,640
Speaker 3: like they were all speaking at the same tour, and

1103
00:48:02,719 --> 00:48:05,560
Speaker 3: he said today, you know, it's so funny that, you know,

1104
00:48:05,640 --> 00:48:08,560
Speaker 3: to watch you and watch you grow and see where

1105
00:48:08,560 --> 00:48:08,960
Speaker 3: you are now.

1106
00:48:09,000 --> 00:48:11,440
Speaker 4: He said, I guess you showed me. Huh. And I

1107
00:48:11,600 --> 00:48:15,719
Speaker 4: was like, I guess I did. And it just felt

1108
00:48:15,760 --> 00:48:17,440
Speaker 4: really good. And I was just thinking to myself, you

1109
00:48:17,440 --> 00:48:20,279
Speaker 4: know what, this is what. I didn't know what the

1110
00:48:20,360 --> 00:48:21,879
Speaker 4: more was, but this is it.

1111
00:48:22,440 --> 00:48:24,719
Speaker 3: I could not articulate it when I was twenty six,

1112
00:48:24,760 --> 00:48:26,799
Speaker 3: But now at thirty six, I'm living the life that

1113
00:48:26,840 --> 00:48:28,840
Speaker 3: I wanted to live that I knew I could not

1114
00:48:28,920 --> 00:48:31,480
Speaker 3: live with him, and not even in a you know,

1115
00:48:31,800 --> 00:48:32,920
Speaker 3: I'm not bashing him anywhere.

1116
00:48:32,960 --> 00:48:33,520
Speaker 4: He's a great guy.

1117
00:48:33,600 --> 00:48:36,560
Speaker 3: You know, but we weren't a match. And now I'm

1118
00:48:36,600 --> 00:48:38,600
Speaker 3: so glad he gets to honestly.

1119
00:48:38,200 --> 00:48:41,000
Speaker 4: See that, like this is what Tiffany was talking about,

1120
00:48:41,120 --> 00:48:42,640
Speaker 4: because I don't honestly, I'm sure.

1121
00:48:42,480 --> 00:48:44,600
Speaker 3: He's looking at my life now and saying, yeah, I

1122
00:48:44,640 --> 00:48:45,600
Speaker 3: don't want that in a wife.

1123
00:48:47,560 --> 00:48:50,080
Speaker 1: He's quite grateful. That's great that he was big enough

1124
00:48:50,160 --> 00:48:52,359
Speaker 1: to say that to you. That's a good win. I'm

1125
00:48:52,360 --> 00:48:53,880
Speaker 1: making that one of your wins tonight.

1126
00:48:53,960 --> 00:48:55,600
Speaker 4: Oh yes, no, that could definitely be my win. Yes,

1127
00:48:55,640 --> 00:48:55,960
Speaker 4: oh yeah.

1128
00:48:56,000 --> 00:48:57,960
Speaker 3: It just felt good to be like yes, because I

1129
00:48:58,000 --> 00:49:00,200
Speaker 3: didn't want him to think that I just left, like

1130
00:49:00,239 --> 00:49:01,239
Speaker 3: for no reason, because we.

1131
00:49:01,200 --> 00:49:03,640
Speaker 4: Had such a great relationship, but it was just like.

1132
00:49:03,680 --> 00:49:04,520
Speaker 1: Oh, I want more.

1133
00:49:04,560 --> 00:49:05,800
Speaker 4: I don't know where more is. So he's like, so

1134
00:49:05,880 --> 00:49:08,400
Speaker 4: you're leaving me for a vague feeling, and I'm like yeah, basically,

1135
00:49:09,600 --> 00:49:10,200
Speaker 4: so yeah.

1136
00:49:10,200 --> 00:49:12,360
Speaker 1: Gut feeling. Yeah it felt a little vague.

1137
00:49:12,719 --> 00:49:15,120
Speaker 3: Yeah, so yeah, that's definitely my win. Like, oh, so

1138
00:49:15,200 --> 00:49:16,920
Speaker 3: I guess she showed me. And I was like, you

1139
00:49:16,960 --> 00:49:18,319
Speaker 3: know what, I guess I did.

1140
00:49:20,600 --> 00:49:23,319
Speaker 1: Good for you, thanks, and good for him.

1141
00:49:23,680 --> 00:49:24,480
Speaker 4: Yeah exactly.

1142
00:49:24,840 --> 00:49:26,399
Speaker 3: You know, I'm not gonna say his name obviously, because

1143
00:49:26,400 --> 00:49:28,320
Speaker 3: who knows his wife might listen. But it's not even

1144
00:49:28,320 --> 00:49:30,879
Speaker 3: like that. Wife, if you're listening, we don't want each other.

1145
00:49:31,000 --> 00:49:33,640
Speaker 3: I am so good with Superman. He sounded really well.

1146
00:49:33,640 --> 00:49:34,840
Speaker 3: I don't speak to him, but it was just a

1147
00:49:34,880 --> 00:49:39,640
Speaker 3: Facebook quick message. He sounded really happy with you. So congratulations,

1148
00:49:39,680 --> 00:49:41,320
Speaker 3: everybody's happy. Everybody's winning.

1149
00:49:41,600 --> 00:50:05,719
Speaker 6: Yeah, okay, oh my win.

1150
00:50:05,760 --> 00:50:06,239
Speaker 4: I got it.

1151
00:50:06,280 --> 00:50:07,239
Speaker 1: I got it. I remember now.

1152
00:50:07,440 --> 00:50:12,480
Speaker 2: So Tanahase Coates, who is the macarthurs genius. He's won

1153
00:50:13,040 --> 00:50:16,560
Speaker 2: so much a praise for his book Between the World

1154
00:50:16,640 --> 00:50:18,400
Speaker 2: and Me, which came out earlier this year. He's a

1155
00:50:18,400 --> 00:50:21,520
Speaker 2: brilliant writer. He's a I think he's a national correspondent

1156
00:50:21,520 --> 00:50:25,280
Speaker 2: for The Atlantic, and he was recently awarded the National

1157
00:50:25,280 --> 00:50:28,200
Speaker 2: Book Award, which is like kind of close.

1158
00:50:28,000 --> 00:50:28,600
Speaker 1: To a Pulitzer.

1159
00:50:28,640 --> 00:50:30,719
Speaker 2: Okay, it's a big deal, and you want it for

1160
00:50:30,800 --> 00:50:32,400
Speaker 2: the book Between the World and Me. And if you're

1161
00:50:32,400 --> 00:50:34,920
Speaker 2: not familiar with Tanahase, first of all, get familiar. You

1162
00:50:35,000 --> 00:50:37,600
Speaker 2: must go read everything he's written. He's becoming he's like

1163
00:50:37,640 --> 00:50:40,680
Speaker 2: one of the foremost writers on race in America today

1164
00:50:41,160 --> 00:50:45,680
Speaker 2: and his book is written. It's influenced by James Baldwin,

1165
00:50:45,880 --> 00:50:48,640
Speaker 2: who is an author you should also read. But he

1166
00:50:48,680 --> 00:50:51,799
Speaker 2: basically writes a story as if he's talking to his

1167
00:50:51,800 --> 00:50:54,719
Speaker 2: teenage son, which he has a teenage son, and basically

1168
00:50:54,760 --> 00:50:56,719
Speaker 2: telling him what it's like to be a black man

1169
00:50:56,719 --> 00:51:01,000
Speaker 2: in America today. And the book was inspirired by his

1170
00:51:01,160 --> 00:51:04,360
Speaker 2: friend who he met when he was at Howard University,

1171
00:51:04,719 --> 00:51:07,719
Speaker 2: I think in the early two thousands. His friend one

1172
00:51:07,800 --> 00:51:11,839
Speaker 2: day was mistaken for a criminal, a plane clothes cop

1173
00:51:11,920 --> 00:51:15,319
Speaker 2: I believe officer followed him home and just proceeded to

1174
00:51:15,320 --> 00:51:18,600
Speaker 2: shoot him dead in the street without a warrant, without

1175
00:51:18,600 --> 00:51:21,320
Speaker 2: any probable cause. This guy was mistaken for a criminal.

1176
00:51:21,920 --> 00:51:25,120
Speaker 2: His name is Prince Jones. And when Tanahase Codes got

1177
00:51:25,200 --> 00:51:27,759
Speaker 2: up to give his acceptance a acceptance speech of the

1178
00:51:27,840 --> 00:51:30,719
Speaker 2: National Book Awards, he gave really the amazing speech. It's

1179
00:51:30,760 --> 00:51:33,040
Speaker 2: only five minutes long. You should go watch it. I'm

1180
00:51:33,040 --> 00:51:35,279
Speaker 2: gonna put a link again on the blog post on

1181
00:51:35,400 --> 00:51:38,640
Speaker 2: Brown Ambition podcast dot Com to the post. But I

1182
00:51:38,640 --> 00:51:41,480
Speaker 2: wanted to read a quick quote. Actually I might just

1183
00:51:41,520 --> 00:51:42,960
Speaker 2: play it. Let me see if I can play it.

1184
00:51:44,000 --> 00:51:46,279
Speaker 2: But basically he says, I've waited fifteen years for this

1185
00:51:46,440 --> 00:51:49,960
Speaker 2: moment because when Prince Jones died, there were no cameras.

1186
00:51:50,200 --> 00:51:54,160
Speaker 2: Nobody else was looking and Tanahasei says, I can't secure

1187
00:51:54,200 --> 00:51:56,160
Speaker 2: the safety of my son, but what I do have

1188
00:51:56,239 --> 00:51:58,279
Speaker 2: the power to do is say, you won't enroll me

1189
00:51:58,360 --> 00:52:00,879
Speaker 2: in this lie. You won't make me part of it.

1190
00:52:01,280 --> 00:52:03,399
Speaker 2: And the lie he's referring to, which he mentions earlier

1191
00:52:03,440 --> 00:52:05,960
Speaker 2: in your speech, is just the idea that because you're

1192
00:52:06,040 --> 00:52:09,000
Speaker 2: black and you live in America, that you are predisposed

1193
00:52:09,040 --> 00:52:12,560
Speaker 2: to crime and that you deserve to be treated to

1194
00:52:12,560 --> 00:52:14,480
Speaker 2: be brutalized. And he sort of like did a quick

1195
00:52:14,560 --> 00:52:16,799
Speaker 2: run through of all the you know, the young girl

1196
00:52:16,840 --> 00:52:20,239
Speaker 2: who was flipped through her desk chair in that classroom,

1197
00:52:20,360 --> 00:52:25,520
Speaker 2: to mere Rice, Michael Brown, all these Freddie Freddie Gray,

1198
00:52:26,440 --> 00:52:29,440
Speaker 2: and he's I feel like it was really like a

1199
00:52:29,480 --> 00:52:33,320
Speaker 2: moment of vindication for him because his friend got no justice.

1200
00:52:33,400 --> 00:52:35,960
Speaker 2: There were no cameras, Like he said. He says that

1201
00:52:36,040 --> 00:52:38,320
Speaker 2: the cop, and he writes about in the book, the

1202
00:52:38,320 --> 00:52:41,920
Speaker 2: whole story, it's harrowing. He talks to Prince's mother, but

1203
00:52:42,000 --> 00:52:45,680
Speaker 2: the cop who killed him, there was no trial. He

1204
00:52:45,719 --> 00:52:48,239
Speaker 2: wasn't convicted of anything. In fact, he went back on

1205
00:52:48,280 --> 00:52:51,279
Speaker 2: the streets to become a cop, and he had all

1206
00:52:51,280 --> 00:52:54,920
Speaker 2: these prior complaints against him. So I'm just excited that

1207
00:52:54,960 --> 00:52:59,759
Speaker 2: Tanahasi is getting his due yes for being brilliant. And

1208
00:52:59,800 --> 00:53:01,200
Speaker 2: if you haven't read his book, go ahead, and you know,

1209
00:53:01,239 --> 00:53:04,080
Speaker 2: it's kind of heavy, but I think it's worth reading.

1210
00:53:04,840 --> 00:53:05,239
Speaker 1: I'm sorry.

1211
00:53:05,200 --> 00:53:07,200
Speaker 3: We're usually supposed to end on a win that we're like, ah,

1212
00:53:07,320 --> 00:53:08,359
Speaker 3: we're ending on a lot.

1213
00:53:08,800 --> 00:53:09,600
Speaker 1: I'm sorry.

1214
00:53:09,960 --> 00:53:12,319
Speaker 2: Well, Kana Assie, he's such a you know, he's sort

1215
00:53:12,320 --> 00:53:14,840
Speaker 2: of an anti hero in the literary world, in the

1216
00:53:14,960 --> 00:53:18,080
Speaker 2: in the whole Black America, the whole you know, black

1217
00:53:18,120 --> 00:53:19,000
Speaker 2: Lives Matter movement.

1218
00:53:19,040 --> 00:53:20,480
Speaker 1: He is sort of an anti hero and that he.

1219
00:53:21,000 --> 00:53:24,160
Speaker 2: Refuses to say it's all going to be okay, And

1220
00:53:24,239 --> 00:53:25,720
Speaker 2: so I think that's a win in and of itself,

1221
00:53:25,760 --> 00:53:27,640
Speaker 2: you know, And I'm glad he's getting the props because

1222
00:53:27,760 --> 00:53:29,600
Speaker 2: he has, you know, he tries to deny that he's

1223
00:53:29,640 --> 00:53:32,680
Speaker 2: like this public intellectual figure, you know, but he honestly

1224
00:53:32,760 --> 00:53:36,400
Speaker 2: has brought so much, so much of a spotlight to

1225
00:53:36,920 --> 00:53:39,960
Speaker 2: issues that maybe wouldn't have been addressed otherwise, and such

1226
00:53:40,000 --> 00:53:43,200
Speaker 2: a really intelligent voice. So I'm grateful to him, and

1227
00:53:43,239 --> 00:53:45,440
Speaker 2: I think that is a win.

1228
00:53:46,160 --> 00:53:47,280
Speaker 1: So thanks so much for listening.

1229
00:53:47,280 --> 00:53:47,520
Speaker 4: Guys.

1230
00:53:47,520 --> 00:53:49,120
Speaker 2: If you want to get in touch with us, you

1231
00:53:49,160 --> 00:53:52,640
Speaker 2: can email us at Brown Ambition Podcast at gmail dot com.

1232
00:53:52,800 --> 00:53:54,560
Speaker 3: You can go to Facebook and find us at the

1233
00:53:54,560 --> 00:53:57,120
Speaker 3: Brown Ambition and Brown Ambition not the Just.

1234
00:53:57,760 --> 00:54:01,800
Speaker 4: Brown Ambition Again b A podcast on.

1235
00:54:01,600 --> 00:54:04,480
Speaker 2: Twitter the b A podcast. Yes, that's when we get

1236
00:54:04,480 --> 00:54:06,120
Speaker 2: tripped up because the's a V in the Twitter name.

1237
00:54:06,960 --> 00:54:10,520
Speaker 4: Oh yeah, yeah, I guess so. But people haven't tweeting.

1238
00:54:10,320 --> 00:54:10,880
Speaker 1: Us like I love it.

1239
00:54:10,920 --> 00:54:14,719
Speaker 2: I'm like dads and emailing. The questions have been streaming in.

1240
00:54:14,800 --> 00:54:16,680
Speaker 2: We love the questions. We have a couple lined up

1241
00:54:16,719 --> 00:54:20,000
Speaker 2: for next week. So definitely email us your questions. You

1242
00:54:20,040 --> 00:54:22,760
Speaker 2: can tweet us your questions, tweet us your brown breaks,

1243
00:54:23,080 --> 00:54:25,799
Speaker 2: your wins, whatever you want. And definitely join the group

1244
00:54:25,840 --> 00:54:28,319
Speaker 2: on Facebook because it is over five hundred people right

1245
00:54:28,360 --> 00:54:30,360
Speaker 2: now and it's just so much fun. We share all

1246
00:54:30,480 --> 00:54:33,200
Speaker 2: all our favorite links there and it just brings some

1247
00:54:33,320 --> 00:54:36,120
Speaker 2: like extra extra goodness when you're when you're missing your

1248
00:54:36,120 --> 00:54:37,800
Speaker 2: Brown Ambition fix exactly.

1249
00:54:38,040 --> 00:54:41,839
Speaker 4: You know you love us, You know you us, I

1250
00:54:41,920 --> 00:54:45,040
Speaker 4: love you too. All right, Well, enjoy your Turkey day,

1251
00:54:45,120 --> 00:54:46,320
Speaker 4: Joy Thanksgiving.

1252
00:54:45,880 --> 00:54:48,280
Speaker 1: Me, Happy Thanksgiving, you too, have fun eating.

1253
00:54:48,560 --> 00:54:50,480
Speaker 4: Pray for me you too.

1254
00:54:50,760 --> 00:55:04,080
Speaker 2: Okay, bye bye bye bye