WEBVTT - Ep. 14 — Gifted hands, foolish mind

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<v Speaker 1>I legit just unzipped my skirt because it was getting

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<v Speaker 1>more tight.

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<v Speaker 2>One of those things and a skirt.

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<v Speaker 1>I was like, let me try this skirt on. It

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<v Speaker 1>said okay. But then like you go through the day

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<v Speaker 1>and your body like expands.

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<v Speaker 2>I feel like, anyway, maybe that's too real for our

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<v Speaker 2>audience to hear about.

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<v Speaker 1>Okay, let's go.

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<v Speaker 3>Hey, hey, hey, and we're back Episode fourteen of Brown Ambition.

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<v Speaker 1>Welcome back, everybody.

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<v Speaker 4>Yes, we're back, back back with a heart attack.

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<v Speaker 1>Thanksgiving week. I know, what are you doing?

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<v Speaker 4>I have mixed emotions. Well, I'm gonna my sister.

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<v Speaker 3>She just had a baby, so she's having it Thanksgiving

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<v Speaker 3>at her house for the first time, so excited about

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<v Speaker 3>that Superman will be coming.

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<v Speaker 2>And because she has nothing else to do besides like nothing,

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<v Speaker 2>she has so much free time to like be able

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<v Speaker 2>to you know, serve Thanksgiving dinner, plus a newborn, she.

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<v Speaker 3>Thinks she's just like, I'm not trying to take the

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<v Speaker 3>baby out the house. Come to the house.

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<v Speaker 1>Oh that's that's true.

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<v Speaker 4>Yeah, I'm excited about that. Yeah.

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<v Speaker 3>I mean I always been with like my immediate family,

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<v Speaker 3>like my parents and my sisters. So that's Thanksgiving usually

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<v Speaker 3>and it's always really nice and then I'll like friend

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<v Speaker 3>hop later.

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<v Speaker 2>Do you guys do like a traditional Thanksgiving dinner? Do

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<v Speaker 2>you have Nigerian food? How does that work?

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<v Speaker 4>A mix?

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<v Speaker 3>You know, it's all crazy because being a Nigerian is

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<v Speaker 3>so a part of me that I'm like, I'm like, no,

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<v Speaker 3>it's tonly traditional. Then I'm like, do you even know

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<v Speaker 3>what traditional loans about? So I'm like, y'all don't eat

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<v Speaker 3>a goosey soup. I'm like, well, I'm pretty sure to

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<v Speaker 3>make something like we have a turkey, and of course

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<v Speaker 3>we have we have African food and traditional American food

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<v Speaker 3>as well.

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<v Speaker 1>That sounds good.

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<v Speaker 4>It is.

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<v Speaker 2>I love African food, not that it's all the same,

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<v Speaker 2>but what I've had I've enjoyed.

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<v Speaker 1>Yeah, we're doing.

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<v Speaker 2>I decided to host like a friends giving because this

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<v Speaker 2>is well I have. I've been a home for Thanksgiving

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<v Speaker 2>in like six years, I realized, And lately we've been

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<v Speaker 2>going to my Booze family's house, but they don't eat

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<v Speaker 2>till super late. They're Dominican. I guess that's like a thing.

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<v Speaker 2>It's like comme at seven, we'll eat at eleven kind

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<v Speaker 2>of thing. And I'm just really used to my mom's

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<v Speaker 2>family's Thanksgiving and comm at two and you eat for

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<v Speaker 2>the next like seven hours, and you like sit and

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<v Speaker 2>watch TV. So this year I was like, let me

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<v Speaker 2>just do a real Thanksgiving. And today I decided I'm

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<v Speaker 2>going to do a turkey. And then I started making

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<v Speaker 2>a shopping list and then I added all the sides,

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<v Speaker 2>and then I was like, I'm gonna be broke. And

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<v Speaker 2>then I was like, why am I doing this? And

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<v Speaker 2>I thought about canceling, and then I had like a

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<v Speaker 2>mini heart attack. But I'm working on stress. So I'm

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<v Speaker 2>taking some deep breaths and I'm just gonna do whatever

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<v Speaker 2>I can. I'm going to do the best I can.

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<v Speaker 2>You know, I gotta work, So I'm going to try

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<v Speaker 2>and I'll try and do a turkey some sides. I'm

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<v Speaker 2>not gonna go crazy, and hopefully it'll be fun. Importantly,

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<v Speaker 2>I got all the champagne and the booze, so step

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<v Speaker 2>one is complete.

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<v Speaker 1>And that's what If it all.

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<v Speaker 2>Goes to hell, we will just be consuming cocktails Thanksgiving.

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<v Speaker 1>And so let's jump into buzzworthy. Okay, there's some fun

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<v Speaker 1>stuff this week.

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<v Speaker 2>Did you see the new So everyone went crazy with

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<v Speaker 2>the new Apple commercial with Taraji, Carrie and Mary J.

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<v Speaker 1>Blige. But did you see the new one?

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<v Speaker 4>Yeah?

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<v Speaker 3>Did you hear that Oprah was supposed to be a

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<v Speaker 3>part of the commercial last minute? She was like, actually, no,

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<v Speaker 3>that's what I read. I mean, who knows if it's true,

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<v Speaker 3>but that was the word on the street. I just

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<v Speaker 3>it seems weird.

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<v Speaker 4>I'm like, I can't see Oprah hanging out with that.

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<v Speaker 1>That's what I was just about to say.

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<v Speaker 2>Like, whenever Oprah tries to pretend like she's like tequila,

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<v Speaker 2>I don't.

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<v Speaker 1>Buy it, Like dah, you know, you having like a

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<v Speaker 1>chai tea. You're not sitting bacula, you.

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<v Speaker 4>Know, picking on Unicorn's tears.

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<v Speaker 1>I feel like she's too grown.

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<v Speaker 2>Like not that they're not grown either, but like I

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<v Speaker 2>don't buy the girlfriend vibe from Oprah.

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<v Speaker 4>You know, no, I do, but just not with them.

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<v Speaker 1>Maybe not.

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<v Speaker 4>I barely buy the girlfriend vibe with them.

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<v Speaker 3>With Carrie Washington, I'm like, I don't know Carrie Gina

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<v Speaker 3>when she was well, you know what when she said

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<v Speaker 3>that because in the video they're listening to like salsa

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<v Speaker 3>music or she turns it on because she's like, who

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<v Speaker 3>asked her?

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<v Speaker 2>What makes you feel sexy? Which by the way, I've

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<v Speaker 2>never asked my girlfriend that ever. It's on a natural

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<v Speaker 2>question and she's like, m you.

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<v Speaker 1>Know when you in the Bronx.

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<v Speaker 2>Iber turned on the Mark Anthony and so I was like,

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<v Speaker 2>she from the I knew she went to like a

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<v Speaker 2>prep school. So I googled her real quick and she

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<v Speaker 2>actually did grow up in the Bronx, So she has that.

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<v Speaker 3>Yeah, because even the way, I was like, I'm not

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<v Speaker 3>I'm not believing it, but okay, like Mary at Taraji,

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<v Speaker 3>clearly they read realistic homegirl, Hey, what's up? You know,

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<v Speaker 3>but Carrie, And not to say she's not she doesn't

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<v Speaker 3>seem like a nice woman, but I felt like it

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<v Speaker 3>was slightly the homegirl vibe was slightly forced.

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<v Speaker 4>I did read somewhere that the.

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<v Speaker 3>I don't know CEO CFO whomever said that you know,

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<v Speaker 3>girls are not girls are better at picking out guys.

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<v Speaker 2>Oh yeah, you're thinking about Johnny Ivine or whatever earth

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<v Speaker 2>He owns Apple Music. He's like a famous producer, and

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<v Speaker 2>he said that the quote was something like women don't

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<v Speaker 2>know how to find music.

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<v Speaker 3>Exactly, and I was like, oh, okay, so before this

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<v Speaker 3>whole Apple whatever thing you're pushing, I guess women just

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<v Speaker 3>listen to dead air sank when it.

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<v Speaker 2>Went like, oh my god, like, where is the music?

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<v Speaker 2>I just can't find that. The radio is so hard.

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<v Speaker 2>I think he just put his foot in his mouth.

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<v Speaker 2>You know, he probably came out and apologize even since then, but.

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<v Speaker 4>I just thought that was funny.

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<v Speaker 3>I was just like, well, people say stuff like that

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<v Speaker 3>and they're not whatever it is talking about. I'm like, oh,

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<v Speaker 3>because in your expert, non woman opinion.

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<v Speaker 1>It's the same thing.

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<v Speaker 4>You know.

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<v Speaker 2>I went to this this past week. It was Women

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<v Speaker 2>Entrepreneurship Day, and I had the opportunity to go to

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<v Speaker 2>the United Nations and sit in for the whole day

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<v Speaker 2>long event at different panels, and all these amazing women

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<v Speaker 2>entrepreneurs got up and gave speeches and stuff. And I

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<v Speaker 2>met a guy there who was from this huge investment firm, Massive,

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<v Speaker 2>and we were talking about, you know, introducing ourselves, talking

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<v Speaker 2>about investing. I was like, well, so what brings you here,

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<v Speaker 2>like the one dude in the entire audience, and he's like,

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<v Speaker 2>you know, my firm is really trying to figure out

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<v Speaker 2>how to attract more women, you know, because women are

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<v Speaker 2>so they you know, don't like investing and they're so

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<v Speaker 2>afraid to kind of like put their money in the market.

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<v Speaker 2>And right then I was like, like, I really hate

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<v Speaker 2>that that whole notion of like, oh, women aren't investing

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<v Speaker 2>because they're afraid, or they don't know how to, or

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<v Speaker 2>they're not confident. I feel like that may be true

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<v Speaker 2>in some aspects, but when you keep on, like when

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<v Speaker 2>you keep proliferating that stereotype or putting that out there,

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<v Speaker 2>it just, yeah, it just everyone starts believing it, and

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<v Speaker 2>then soon enough it becomes like, oh, yeah, women just

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<v Speaker 2>are bad with money.

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<v Speaker 4>Yeah.

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<v Speaker 3>And the truth of the matter is, I mean, honestly,

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<v Speaker 3>with what I do with the budgetista, women asking or

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<v Speaker 3>wanting to invest is the number one request outside of

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<v Speaker 3>like savings and like a little bit of credit stuff.

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<v Speaker 3>But almost every woman it's like, so I really want

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<v Speaker 3>to invest. It's not even a matter of like, oh,

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<v Speaker 3>I'm afraid.

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<v Speaker 4>Of the market.

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<v Speaker 3>It's just you know, like you said, there's this lack

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<v Speaker 3>of to mere a lack of knowledge. It's because there's

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<v Speaker 3>a lack of pointed education in this direction, and.

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<v Speaker 2>Women are quicker to women are quicker to admit that

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<v Speaker 2>they have a lack of knowledge yep, and to ask

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<v Speaker 2>those questions. And also I was telling him, I was like,

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<v Speaker 2>why focus why put on the focus on finding women

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<v Speaker 2>and trying to figure out how to teach your mostly

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<v Speaker 2>male advisors, because let's not get it twisted, like financial

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<v Speaker 2>advisors as an industry. Financial advisory firms as an industry

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<v Speaker 2>are crazy, crazily skewed toward men as advisors and like

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<v Speaker 2>hardly any women at all. And I said, if you want, like,

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<v Speaker 2>stop trying to teach your male advisors how to speak

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<v Speaker 2>to women and just focus on recruiting more women.

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<v Speaker 4>Yep, it's like.

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<v Speaker 3>Advisors, like you ever see those commercials and it's so

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<v Speaker 3>clear that there was not a brown face around the table,

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<v Speaker 3>and they're like, the commercial will open up with Jamal

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<v Speaker 3>and he's.

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<v Speaker 1>Like yo, yo, yo, what up? Yo?

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<v Speaker 4>Have a cod man? And you're like, who in the world.

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<v Speaker 3>You're like, clearly there was no Jamal present at the

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<v Speaker 3>table when you guys were deciding about this commercial, like

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<v Speaker 3>the song that they chosen, it's so clear that you're like, what,

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<v Speaker 3>nobody even listens to music like that anymore? Just like

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<v Speaker 3>when you said Carrie was like what makes you feel sexy?

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<v Speaker 3>Like women don't talk like that? Was there no woman

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<v Speaker 3>writer available to help you with that line.

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<v Speaker 2>Well, Apa di Verne supposedly directed, and I love her,

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<v Speaker 2>but that was an awkward little line.

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<v Speaker 4>Yeah. I know.

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<v Speaker 3>Sometimes I just think to myself that, like, you're right,

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<v Speaker 3>instead of trying to get people to figure out, well,

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<v Speaker 3>how do we reach that audience, why don't you find

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<v Speaker 3>that audience to reach that audience?

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<v Speaker 2>Yeah, I mean that's where we are. Don't expect us

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<v Speaker 2>to come to your level or wherever you want.

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<v Speaker 4>Us to be.

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<v Speaker 2>Well, speaking of Carrie, and I'm going to segue into

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<v Speaker 2>like the shondaland Shonda rhymes. First of all, Shanna Rhymes.

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<v Speaker 2>His new book is out Year of Yes, and I

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<v Speaker 2>have it. I can't wait to read it. But I

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<v Speaker 2>wanted to talk about Carrie Washington and scandalous past week.

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<v Speaker 1>Do you watch Scandal?

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<v Speaker 4>Yeah? On occasion, so I don't want to.

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<v Speaker 1>This is a This is a huge spoiler.

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<v Speaker 2>So if you are listening and you haven't watched this

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<v Speaker 2>latest episode of Scandal, please fast forward on the podcast

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<v Speaker 2>a couple of minutes because I have to talk about

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<v Speaker 2>this scene in the latest episode.

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<v Speaker 1>Do you mind, Tiffany if I spoil it for you?

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<v Speaker 3>Yeah?

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<v Speaker 4>No, that's fine, And I don't watch it like that.

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<v Speaker 1>So I stopped watching.

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<v Speaker 2>Honestly, I haven't watched the past five episodes because I'm

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<v Speaker 2>so sick of the whole like love triangle, in the

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<v Speaker 2>back and forth. I get exhausted by it between her

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<v Speaker 2>and the president fits. But I saw a couple of

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<v Speaker 2>headlines that got me to catch up and watch the

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<v Speaker 2>latest episode, which involved from what I read, I knew

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<v Speaker 2>it was gonna involve an abortion scene. I saw a scandal,

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<v Speaker 2>you know, dramatic abortion scene, must watch or whatever. I

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<v Speaker 2>didn't realize how they were going to do it, and

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<v Speaker 2>the way that they did it is so Carrie Washington.

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<v Speaker 2>Her character Olivia Pope has an abortion at the but

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<v Speaker 2>the way they did it was so unique. I don't

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<v Speaker 2>know if you've ever watched any of Shanda's other shows,

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<v Speaker 2>like Grey's Anatomy, she handled abortion. In an early season

0:10:06.400 --> 0:10:09.440
<v Speaker 2>of Grey's Anatomy, one of her characters, Christina Yang, decides

0:10:09.480 --> 0:10:11.360
<v Speaker 2>to have an abortion, and it was like a huge,

0:10:11.480 --> 0:10:17.479
<v Speaker 2>like arc storyline. You know, she's an established doctor, very wealthy. Obviously,

0:10:17.840 --> 0:10:22.480
<v Speaker 2>she's almost engaged practically to another head of surgery man

0:10:22.559 --> 0:10:24.600
<v Speaker 2>and he wants to have kids so badly and it's

0:10:24.600 --> 0:10:26.240
<v Speaker 2>like a back and forth because she does not want

0:10:26.280 --> 0:10:28.280
<v Speaker 2>to have kids, and they follow it for a few

0:10:28.320 --> 0:10:30.760
<v Speaker 2>episodes and it says huge, drawn out thing, and finally

0:10:30.840 --> 0:10:31.720
<v Speaker 2>she decides, I'm going to.

0:10:31.760 --> 0:10:35.200
<v Speaker 1>Have the abortion. I thought it was really powerful. She

0:10:35.280 --> 0:10:36.840
<v Speaker 1>did the exact opposite.

0:10:36.400 --> 0:10:40.920
<v Speaker 2>This time with Scandal, So Carrie, like, the entire episode

0:10:40.960 --> 0:10:43.600
<v Speaker 2>goes by and nothing's happening. I'm like, where's the abortion

0:10:43.640 --> 0:10:45.640
<v Speaker 2>at She's not even pregnant. No one even knows she's pregnant, Like,

0:10:45.640 --> 0:10:48.880
<v Speaker 2>when's it gonna happen. Well, it turns out like three

0:10:48.960 --> 0:10:51.280
<v Speaker 2>quarters of the way through, all you see is Olivia

0:10:51.440 --> 0:10:53.680
<v Speaker 2>just in a doctor's office and the doctor's like, you

0:10:53.679 --> 0:10:57.000
<v Speaker 2>can come back now. And as the song Silent Night

0:10:57.320 --> 0:11:00.319
<v Speaker 2>and Ave Maria is playing, you see her going through

0:11:00.360 --> 0:11:04.319
<v Speaker 2>the procedure and there's no conversation. She's not talking to

0:11:04.920 --> 0:11:08.440
<v Speaker 2>you know, her lover fits about it. And it was

0:11:08.640 --> 0:11:10.720
<v Speaker 2>just no matter what your beliefs about abortion art, it

0:11:10.760 --> 0:11:15.920
<v Speaker 2>was just a really striking and like surprisingly like realistic

0:11:16.040 --> 0:11:18.680
<v Speaker 2>image of what it is for a woman to go

0:11:18.760 --> 0:11:21.000
<v Speaker 2>through that decision. And I just thought it was And

0:11:21.120 --> 0:11:23.720
<v Speaker 2>especially since Olivia represents to so many women like a

0:11:23.800 --> 0:11:26.560
<v Speaker 2>powerful woman like owns her own business.

0:11:26.679 --> 0:11:29.839
<v Speaker 1>It's like very powerful in her career. I thought it was.

0:11:30.240 --> 0:11:32.560
<v Speaker 2>I thought it was a really interesting way of approaching

0:11:32.600 --> 0:11:35.199
<v Speaker 2>the subject and being true to the character of who

0:11:35.240 --> 0:11:35.600
<v Speaker 2>she is.

0:11:36.320 --> 0:11:39.240
<v Speaker 4>Is she did she tell Fits that she was pregnant.

0:11:39.440 --> 0:11:41.560
<v Speaker 1>No, it happens. I'm not even kidding.

0:11:41.600 --> 0:11:44.160
<v Speaker 2>Like the whole episode, it kind of foreshadows it because

0:11:44.200 --> 0:11:47.920
<v Speaker 2>in the beginning, one of the senators is filibustering, where

0:11:47.920 --> 0:11:49.560
<v Speaker 2>you stand up there for six you know, stand up

0:11:49.600 --> 0:11:51.800
<v Speaker 2>there for hours, and you talk until the clock runs

0:11:51.800 --> 0:11:53.560
<v Speaker 2>out on the voting for a bill to get the

0:11:53.559 --> 0:11:55.679
<v Speaker 2>bill from being passed. And this particular bill was going

0:11:55.720 --> 0:11:59.840
<v Speaker 2>to defund planned parented, which is very like of today's

0:12:00.240 --> 0:12:02.880
<v Speaker 2>you know this almost happened or this you know almost

0:12:02.920 --> 0:12:06.760
<v Speaker 2>happened a month ago. And as so you're hearing this senator,

0:12:06.800 --> 0:12:09.320
<v Speaker 2>you know, protesting this bill about defunding planned parenthood and

0:12:09.400 --> 0:12:12.240
<v Speaker 2>like women's rights to you know, proper health care.

0:12:12.720 --> 0:12:13.880
<v Speaker 1>And then three quarters the.

0:12:13.880 --> 0:12:16.679
<v Speaker 2>Way through, like it just flips to Olivia going to

0:12:16.280 --> 0:12:21.320
<v Speaker 2>the doctor. I mean, it's not playing parenthood and getting

0:12:21.320 --> 0:12:24.200
<v Speaker 2>the abortion, and she doesn't tell Fits, and there's I mean,

0:12:24.240 --> 0:12:25.440
<v Speaker 2>who knows what's going to happen next?

0:12:25.440 --> 0:12:28.440
<v Speaker 1>Episode, and that was the only like.

0:12:28.440 --> 0:12:31.720
<v Speaker 2>I am, I'm clearly pro choice. I know women who've

0:12:31.720 --> 0:12:35.920
<v Speaker 2>had abortions, and I know women who have I think

0:12:35.920 --> 0:12:39.040
<v Speaker 2>it's important to show an abortion story that's not just

0:12:39.640 --> 0:12:42.600
<v Speaker 2>someone who's been raped or someone who's poor, or someone's

0:12:42.600 --> 0:12:45.480
<v Speaker 2>who's like thirteen years old, and like, you show a

0:12:45.520 --> 0:12:49.320
<v Speaker 2>real woman who's like established, has a career on paper,

0:12:50.000 --> 0:12:52.160
<v Speaker 2>has every reason to like be able to bring a

0:12:52.240 --> 0:12:55.200
<v Speaker 2>child into the world, and yet makes the decision not to.

0:12:55.720 --> 0:12:58.320
<v Speaker 2>And I think that that is it's really important to

0:12:58.360 --> 0:13:03.080
<v Speaker 2>show that because those women do exist, and so often

0:13:03.640 --> 0:13:07.400
<v Speaker 2>abortion is like talked about along the lines of like, oh, it's.

0:13:07.280 --> 0:13:09.800
<v Speaker 1>Okay if you follow, if you take these boxes.

0:13:09.840 --> 0:13:13.160
<v Speaker 4>You know, yeah, I said, you mean, so I really.

0:13:13.000 --> 0:13:15.559
<v Speaker 2>Appreciate Shanda for doing that, and I mean, it'll be

0:13:15.600 --> 0:13:19.280
<v Speaker 2>all kinds of crazy controversy about it, but and you know,

0:13:19.600 --> 0:13:21.280
<v Speaker 2>I think my only you.

0:13:21.240 --> 0:13:22.720
<v Speaker 1>Know, I'm not even gonna judge. You know, I have

0:13:22.800 --> 0:13:23.520
<v Speaker 1>my own thoughts about it.

0:13:23.559 --> 0:13:26.080
<v Speaker 2>But honestly, if you've never been in that position before

0:13:26.120 --> 0:13:29.240
<v Speaker 2>where you're you know, you're just deciding to have an abortion,

0:13:30.000 --> 0:13:31.760
<v Speaker 2>you can't I can't even judge.

0:13:31.760 --> 0:13:32.480
<v Speaker 1>She's a fake character.

0:13:32.559 --> 0:13:34.319
<v Speaker 2>She's not real, but I can't judge Olivia for the

0:13:34.360 --> 0:13:37.920
<v Speaker 2>way she did it because it is like her choice.

0:13:38.200 --> 0:13:38.480
<v Speaker 4>Yeah.

0:13:38.600 --> 0:13:41.960
<v Speaker 3>Yeah, I mean I feel what you're saying about, like

0:13:42.000 --> 0:13:44.080
<v Speaker 3>the way certain things are portrayed, like, oh, this is

0:13:44.120 --> 0:13:47.120
<v Speaker 3>the only way that you can make that choice. And

0:13:47.320 --> 0:13:49.760
<v Speaker 3>I haven't been placed in that choice. I mean I've

0:13:49.760 --> 0:13:54.120
<v Speaker 3>known friends who have been and you know, and I'm trying.

0:13:53.920 --> 0:13:55.160
<v Speaker 4>To think of that. I know, any friend that kind

0:13:55.160 --> 0:13:56.920
<v Speaker 4>of just chose, oh, I don't really want to have kids.

0:13:57.240 --> 0:13:59.240
<v Speaker 3>Maybe so, but they probably haven't told because you're right,

0:13:59.240 --> 0:14:01.920
<v Speaker 3>that's considered like why would you make that choice.

0:14:01.920 --> 0:14:04.520
<v Speaker 4>You're supposed to only make it under duress, basically, you.

0:14:04.480 --> 0:14:06.080
<v Speaker 1>Know, so hard for people to understand.

0:14:06.160 --> 0:14:08.360
<v Speaker 2>Yeah, yeah, And you know, there's studies that show that

0:14:08.440 --> 0:14:11.280
<v Speaker 2>most women who have not most, but like a good

0:14:11.320 --> 0:14:14.319
<v Speaker 2>proportion of women who have abortions have already had kids

0:14:14.520 --> 0:14:17.760
<v Speaker 2>and they're older and they're like, I just don't want it anymore. Yeah,

0:14:17.800 --> 0:14:20.640
<v Speaker 2>And I'm like, what's wrong with that? So I just

0:14:20.720 --> 0:14:23.400
<v Speaker 2>love I just feel like like Grey's Anatomy is still

0:14:23.400 --> 0:14:24.960
<v Speaker 2>so relevant. I know it's been around for one hundred

0:14:25.000 --> 0:14:27.680
<v Speaker 2>million years, but Shanna Rhimes is still working it. That

0:14:27.720 --> 0:14:29.840
<v Speaker 2>show is so relevant. I feel like Scandal to me

0:14:30.440 --> 0:14:32.920
<v Speaker 2>has gotten me back interested all of a sudden, because like,

0:14:33.000 --> 0:14:34.480
<v Speaker 2>I was so sick of the Love Triangle.

0:14:34.760 --> 0:14:36.000
<v Speaker 3>Now I am kind of sick of that. You know,

0:14:36.040 --> 0:14:38.520
<v Speaker 3>it's very novel TV novella. You're like, all right, it's

0:14:38.520 --> 0:14:40.600
<v Speaker 3>a little bit wild. I used to Actually what I

0:14:40.680 --> 0:14:42.840
<v Speaker 3>liked about Scandal, like, of course, you know, we all

0:14:42.920 --> 0:14:45.280
<v Speaker 3>kind of like the love Triangle at first, But what

0:14:45.360 --> 0:14:48.160
<v Speaker 3>I liked was like, you know, the individual cases, like ooh,

0:14:48.240 --> 0:14:49.360
<v Speaker 3>how she gonna solve this one?

0:14:49.400 --> 0:14:50.240
<v Speaker 4>I enjoyed those.

0:14:50.520 --> 0:14:51.680
<v Speaker 1>They finally get back to that.

0:14:51.960 --> 0:14:54.000
<v Speaker 4>Yeah, I'm like, please bring that back, you know.

0:14:54.080 --> 0:14:55.800
<v Speaker 3>To me, the love Triangle is supposed to be like

0:14:56.280 --> 0:15:00.520
<v Speaker 3>a background to the actual like almost like what is it?

0:15:00.600 --> 0:15:01.400
<v Speaker 5>Like? Uh?

0:15:02.200 --> 0:15:03.640
<v Speaker 4>Those like cop shows that every.

0:15:03.680 --> 0:15:05.880
<v Speaker 3>Like there's literally like a thousand spin offs of this

0:15:05.960 --> 0:15:08.400
<v Speaker 3>one cop show, the New York New York Undercover.

0:15:08.560 --> 0:15:11.840
<v Speaker 4>What did they say? No, not Law and Order?

0:15:12.200 --> 0:15:14.560
<v Speaker 3>You know, like how the reason one of the reasons

0:15:14.600 --> 0:15:16.840
<v Speaker 3>why it's so successful.

0:15:16.280 --> 0:15:18.960
<v Speaker 4>Is that each show it's like a brand new breadth

0:15:19.000 --> 0:15:19.600
<v Speaker 4>of air.

0:15:19.440 --> 0:15:21.800
<v Speaker 3>You know, right, And so like I'm kind of I

0:15:21.840 --> 0:15:24.600
<v Speaker 3>kind of like that about Shonda's show that it was like, oh, okay,

0:15:24.920 --> 0:15:27.080
<v Speaker 3>it's a brand new show. Yes, there's some remnants of

0:15:27.120 --> 0:15:29.640
<v Speaker 3>the old show with his love triangle, but basically we're

0:15:29.640 --> 0:15:30.720
<v Speaker 3>solving this issue.

0:15:30.920 --> 0:15:33.120
<v Speaker 2>Yeah, I think you can skip the last four episodes,

0:15:33.200 --> 0:15:36.120
<v Speaker 2>just watch this latest one and then start again, because oh,

0:15:36.320 --> 0:15:38.440
<v Speaker 2>I was like, come on, I just see fits in

0:15:38.520 --> 0:15:41.360
<v Speaker 2>his little whip whip quivering and like him just crying

0:15:41.360 --> 0:15:43.840
<v Speaker 2>about his lady's trip. Like can you imagine Obama sitting

0:15:43.880 --> 0:15:46.440
<v Speaker 2>around and like calling his girlfriend like he doesn't have

0:15:46.480 --> 0:15:48.760
<v Speaker 2>time or that. I just cannot imagine Obama with time

0:15:48.840 --> 0:15:50.440
<v Speaker 2>for like this crazy love triangle.

0:15:50.720 --> 0:15:52.800
<v Speaker 4>Yeah, yeah, exactly, it's just crazy.

0:15:53.080 --> 0:15:56.280
<v Speaker 2>Well thanks, Shonda, You're the best. You're the best, You

0:15:56.440 --> 0:15:57.800
<v Speaker 2>the best girl.

0:15:57.840 --> 0:16:08.600
<v Speaker 5>You got it.

0:16:08.840 --> 0:16:13.120
<v Speaker 3>So brown break, Brown break, Brown break.

0:16:13.600 --> 0:16:16.720
<v Speaker 4>What you're gonna do, what you're gonna do when we

0:16:16.880 --> 0:16:18.920
<v Speaker 4>break for you? So first I gotta find it.

0:16:18.960 --> 0:16:23.000
<v Speaker 3>So I have this Facebook group online called like Dreamcatchers.

0:16:23.040 --> 0:16:26.960
<v Speaker 3>It's just basically like all my my whole tribe basically

0:16:27.040 --> 0:16:29.080
<v Speaker 3>for the budgetizza, like people who are like wanting to

0:16:29.080 --> 0:16:33.160
<v Speaker 3>get on financial tracks, mostly women, mostly Brown girls, and

0:16:33.200 --> 0:16:36.640
<v Speaker 3>it's pretty dope it excepts so they have been like

0:16:36.720 --> 0:16:38.720
<v Speaker 3>addicted to this thing called the money mantra.

0:16:38.760 --> 0:16:40.560
<v Speaker 4>Have you heard of the money money mantra Mandy.

0:16:40.800 --> 0:16:43.160
<v Speaker 3>No, oh, that was like an that was like a

0:16:43.200 --> 0:16:49.800
<v Speaker 3>tongue twister money mantra Mandy. So anyway, the money mantra,

0:16:49.800 --> 0:16:52.240
<v Speaker 3>I'm gonna try to find it. And it's so funny

0:16:52.280 --> 0:16:56.560
<v Speaker 3>because I always forget, like how I want money Mandy

0:16:56.840 --> 0:17:02.000
<v Speaker 3>in my computer. It's funny because I forget sometimes that

0:17:02.520 --> 0:17:07.600
<v Speaker 3>my world's combined. And so someone in the group, because

0:17:07.600 --> 0:17:09.280
<v Speaker 3>I had talked about the money mantra, how I'm kind

0:17:09.280 --> 0:17:11.520
<v Speaker 3>of sick of it, and someone in the group was like, uh,

0:17:11.560 --> 0:17:13.560
<v Speaker 3>you should totally make the money matcha your brown break.

0:17:13.560 --> 0:17:16.560
<v Speaker 1>I was like, what you know about the brom But like,

0:17:16.600 --> 0:17:17.640
<v Speaker 1>what is it though?

0:17:18.200 --> 0:17:22.159
<v Speaker 3>So it's this mantra that you Basically it says I,

0:17:22.160 --> 0:17:25.480
<v Speaker 3>I'm a money magnet. I attract money and money attracts me.

0:17:25.640 --> 0:17:27.760
<v Speaker 3>So it's just basically like, you know, a positive affirmation.

0:17:27.920 --> 0:17:28.600
<v Speaker 1>It's a secret.

0:17:29.040 --> 0:17:29.280
<v Speaker 4>Yeah.

0:17:29.359 --> 0:17:32.639
<v Speaker 3>So, which there's nothing wrong with that except the women.

0:17:32.720 --> 0:17:35.800
<v Speaker 3>At first, I call them the dream catchers. At first,

0:17:35.800 --> 0:17:37.640
<v Speaker 3>the dreamcatchers in the group would use it and say, oh,

0:17:37.640 --> 0:17:39.879
<v Speaker 3>I said the money mantra today just to get myself

0:17:39.920 --> 0:17:43.159
<v Speaker 3>going and pumped up great. And then it became like

0:17:43.240 --> 0:17:46.840
<v Speaker 3>the secret witch spell. It was like people would say,

0:17:46.960 --> 0:17:48.879
<v Speaker 3>I said the money mantra and a check came in

0:17:48.960 --> 0:17:51.320
<v Speaker 3>the mail, and then that's really what they would say,

0:17:51.320 --> 0:17:53.560
<v Speaker 3>that's it. Or I said the money mantra and I

0:17:53.600 --> 0:17:55.199
<v Speaker 3>found it out on the ground, or I said the

0:17:55.200 --> 0:17:59.280
<v Speaker 3>money mantra and it stopped being like, oh, people stopped

0:17:59.359 --> 0:18:02.280
<v Speaker 3>showing them the action they took besides seeing the money

0:18:02.359 --> 0:18:05.200
<v Speaker 3>mynt work. Yeah, And so it got me worried because

0:18:06.040 --> 0:18:08.280
<v Speaker 3>somebody hit me behind the scenes, one of the dreamcatchers,

0:18:08.320 --> 0:18:10.359
<v Speaker 3>and she said, you know, Tiffany, I'm worried about the

0:18:10.359 --> 0:18:11.200
<v Speaker 3>direction of the group.

0:18:11.560 --> 0:18:13.359
<v Speaker 4>I get it. The money mantra is just one of

0:18:13.400 --> 0:18:14.960
<v Speaker 4>the tools you can use to kind of get yourself

0:18:15.000 --> 0:18:16.320
<v Speaker 4>pumped up. But if I was.

0:18:16.280 --> 0:18:20.240
<v Speaker 3>Brand new and had never done any other financial work,

0:18:20.560 --> 0:18:23.160
<v Speaker 3>I might come to the group and think, oh, the

0:18:23.200 --> 0:18:25.720
<v Speaker 3>only way or want, like the main way to change

0:18:25.760 --> 0:18:28.639
<v Speaker 3>my financial you know, future, is just to make this

0:18:28.760 --> 0:18:31.359
<v Speaker 3>chance and say this chance and then it'll magically happen.

0:18:31.840 --> 0:18:34.320
<v Speaker 4>And so that's my brown break. I'm breaking from that

0:18:34.440 --> 0:18:37.359
<v Speaker 4>Daga money mantra. That's gonna use it.

0:18:37.359 --> 0:18:38.680
<v Speaker 1>It's like showing the mass, you.

0:18:38.640 --> 0:18:41.119
<v Speaker 3>Know exactly, and there's nothing wrong with mantras, and I

0:18:41.160 --> 0:18:43.120
<v Speaker 3>was telling the women that, I said, you know, I

0:18:43.240 --> 0:18:46.160
<v Speaker 3>love a good mantra. You know, sometimes the mantras just quick,

0:18:46.200 --> 0:18:47.359
<v Speaker 3>like you could do it, you could do what you

0:18:47.440 --> 0:18:50.080
<v Speaker 3>got it. Or sometimes it's more. I used to do

0:18:50.119 --> 0:18:52.440
<v Speaker 3>this mantra in the mirror. I used to do mirror work.

0:18:52.560 --> 0:18:53.880
<v Speaker 3>So I would leave the house and I would tell

0:18:53.920 --> 0:18:57.520
<v Speaker 3>myself because like in high school, I was severely like

0:18:57.600 --> 0:19:00.320
<v Speaker 3>self conscious about my looks, about my dark skin, about

0:19:00.320 --> 0:19:02.960
<v Speaker 3>my little nose, everything, And so I would tell myself

0:19:02.960 --> 0:19:04.560
<v Speaker 3>in the mirror every morning when I left the house,

0:19:04.680 --> 0:19:07.120
<v Speaker 3>you are beautiful, you are worthy. So you know, there's

0:19:07.160 --> 0:19:09.639
<v Speaker 3>nothing wrong with a good mantra, but you have to

0:19:09.680 --> 0:19:12.760
<v Speaker 3>do something beyond that, and you know it would I

0:19:12.800 --> 0:19:16.400
<v Speaker 3>don't like for people to think that all they.

0:19:16.240 --> 0:19:20.000
<v Speaker 4>Have to do is this one basically easy thing.

0:19:19.880 --> 0:19:22.760
<v Speaker 3>And then your life will be changed, especially like if

0:19:22.800 --> 0:19:25.439
<v Speaker 3>you got to check in the mail, admit that you

0:19:25.520 --> 0:19:27.280
<v Speaker 3>went to this website, because there's this website where you

0:19:27.320 --> 0:19:29.480
<v Speaker 3>can go do that that if you have lost or

0:19:29.560 --> 0:19:32.280
<v Speaker 3>lost money, I forget the website name, Like you might

0:19:32.320 --> 0:19:34.399
<v Speaker 3>have had a bank account ten years ago. You forgot

0:19:34.400 --> 0:19:36.200
<v Speaker 3>and you have money there. Or there's a check waiting

0:19:36.240 --> 0:19:38.359
<v Speaker 3>for you someplace, and so you can put your name in.

0:19:39.000 --> 0:19:40.399
<v Speaker 3>So a lot of them women were putting your name

0:19:40.440 --> 0:19:43.760
<v Speaker 3>in and finding money. That was the work, not necessarily

0:19:43.760 --> 0:19:45.800
<v Speaker 3>the mantra. You put your name in, you went to

0:19:45.840 --> 0:19:48.280
<v Speaker 3>the website, you did some work. So I just want

0:19:48.280 --> 0:19:51.040
<v Speaker 3>to take a break from that, just because I'm just like, ugh, there.

0:19:51.000 --> 0:19:52.320
<v Speaker 4>Is no easy. It wasn't.

0:19:52.520 --> 0:19:55.520
<v Speaker 3>It took you years to get into financial trouble. It's

0:19:55.560 --> 0:19:57.080
<v Speaker 3>going to take you some time to get out of it.

0:19:57.160 --> 0:19:59.440
<v Speaker 3>And a mantra is one of the tools that you're

0:19:59.440 --> 0:20:03.000
<v Speaker 3>disposable disposal, but certainly not the only tool for the

0:20:03.080 --> 0:20:06.320
<v Speaker 3>dreamcatchers listening. I'm talking to you because I love it.

0:20:06.320 --> 0:20:08.760
<v Speaker 3>It sparked like a nice little debate, and I don't

0:20:08.760 --> 0:20:10.280
<v Speaker 3>mind a lot of it. I don't mind the debate as long.

0:20:10.200 --> 0:20:11.240
<v Speaker 4>As people are respectful.

0:20:11.280 --> 0:20:11.439
<v Speaker 2>You know.

0:20:11.480 --> 0:20:14.040
<v Speaker 1>Don't see one more inspirational quote my Instagram feed.

0:20:14.280 --> 0:20:19.679
<v Speaker 2>I now like another one, Jesus that just show me

0:20:19.680 --> 0:20:21.040
<v Speaker 2>what you have for dinner or come on.

0:20:22.160 --> 0:20:26.000
<v Speaker 3>Instagram preacher like you know what, the sky open and

0:20:26.280 --> 0:20:29.760
<v Speaker 3>floods came, and that means you're blessing his coup And

0:20:29.760 --> 0:20:31.600
<v Speaker 3>you're like, all right, girl, but you know, you got

0:20:31.640 --> 0:20:33.600
<v Speaker 3>to read a book every once in a while.

0:20:33.400 --> 0:20:36.639
<v Speaker 2>Too, And it's funny, like I was really into the

0:20:36.680 --> 0:20:38.800
<v Speaker 2>Secret when I was in college. I remember watching I'll

0:20:38.840 --> 0:20:41.920
<v Speaker 2>never forget watching that episode of Oprah, and I don't

0:20:41.920 --> 0:20:44.200
<v Speaker 2>even know if I can't. I will never be as

0:20:44.320 --> 0:20:47.320
<v Speaker 2>innocent and impressionable as I was during the height of

0:20:47.359 --> 0:20:51.159
<v Speaker 2>the Oprah craze, because everything she did, I would do everything.

0:20:51.680 --> 0:20:55.240
<v Speaker 2>I ate the yogurt, she ate, read the books she read.

0:20:55.400 --> 0:20:57.960
<v Speaker 2>I was just like, Oprah is God, and God is Oprah.

0:20:58.600 --> 0:21:00.600
<v Speaker 2>So when she had the Secret author on, I got

0:21:00.600 --> 0:21:02.760
<v Speaker 2>the book and all of it. It did make my

0:21:02.800 --> 0:21:05.120
<v Speaker 2>life better. But you know now that I thought about

0:21:05.119 --> 0:21:07.520
<v Speaker 2>it later. You know, one day I was passing by

0:21:07.560 --> 0:21:09.639
<v Speaker 2>a bush of flowers, like a really pretty thing of flowers,

0:21:09.640 --> 0:21:10.920
<v Speaker 2>and I was like, man, I would love to get

0:21:10.960 --> 0:21:14.240
<v Speaker 2>some flowers. The next day, I got a bouquet of flowers,

0:21:14.520 --> 0:21:16.760
<v Speaker 2>like out of the blue, my mom sent them to me.

0:21:17.560 --> 0:21:20.000
<v Speaker 2>But now I'm thinking, like, in order to get those flowers,

0:21:20.119 --> 0:21:22.080
<v Speaker 2>I had I did something for her. I was really

0:21:22.160 --> 0:21:24.480
<v Speaker 2>nice about something, or I did I said something really nice,

0:21:24.560 --> 0:21:26.679
<v Speaker 2>or anyway, she was like rewarding me for something I

0:21:26.720 --> 0:21:27.960
<v Speaker 2>had done to earn.

0:21:27.720 --> 0:21:30.520
<v Speaker 1>The flowers it was, And I mean I get that.

0:21:31.160 --> 0:21:33.080
<v Speaker 2>I think what the secret kind of teaches you is

0:21:33.080 --> 0:21:35.720
<v Speaker 2>you have to put something out and then you will receive.

0:21:35.960 --> 0:21:37.800
<v Speaker 1>But people forget that first step.

0:21:38.040 --> 0:21:41.919
<v Speaker 3>Because I believe in karmic energy. I believe that you

0:21:42.119 --> 0:21:46.600
<v Speaker 3>can draw things to you, but I don't I don't

0:21:46.640 --> 0:21:50.440
<v Speaker 3>believe that only karmic energy is the only way, meaning

0:21:50.480 --> 0:21:52.680
<v Speaker 3>that like you know, I like, for example, I remember

0:21:52.720 --> 0:21:54.080
<v Speaker 3>I put it. I have a vision board. You know,

0:21:54.160 --> 0:21:55.920
<v Speaker 3>that's that's karmic energy. You put it out there.

0:21:56.000 --> 0:21:58.920
<v Speaker 4>That's the secret as well. You put it, you.

0:21:58.840 --> 0:22:00.879
<v Speaker 3>Know, you put your vision or the things that you

0:22:00.920 --> 0:22:03.000
<v Speaker 3>want on your vision board. And I remember when I

0:22:03.040 --> 0:22:04.720
<v Speaker 3>was twenty six, I had said I want to go

0:22:04.760 --> 0:22:06.640
<v Speaker 3>to Greece. So I put it on my vision board,

0:22:06.680 --> 0:22:08.680
<v Speaker 3>and then every year it didn't happen, and I would

0:22:08.920 --> 0:22:10.960
<v Speaker 3>take down the picture and put it on the next

0:22:11.040 --> 0:22:15.440
<v Speaker 3>year's vision board every year until about three years ago.

0:22:15.880 --> 0:22:18.320
<v Speaker 3>So basically for like seven years I was saying I

0:22:18.320 --> 0:22:18.960
<v Speaker 3>want to go to Greece.

0:22:18.960 --> 0:22:19.800
<v Speaker 4>I want to go to Greece.

0:22:19.960 --> 0:22:22.919
<v Speaker 3>And then about three years ago I finally was like

0:22:23.119 --> 0:22:26.480
<v Speaker 3>maybe it was even last year. I was like, so tivity,

0:22:26.480 --> 0:22:27.840
<v Speaker 3>if you want to go to Greece, you might want

0:22:27.880 --> 0:22:31.720
<v Speaker 3>a book a flight, And then I did, and then

0:22:31.720 --> 0:22:33.240
<v Speaker 3>I ended up going to Greece and Turkey for my

0:22:33.240 --> 0:22:35.399
<v Speaker 3>birthday that year. What happened, I know, And I was

0:22:35.440 --> 0:22:37.840
<v Speaker 3>just like, cause I you' like, what are you waiting for?

0:22:37.880 --> 0:22:40.400
<v Speaker 3>You waiting for Greece to like come to your doorstep

0:22:40.440 --> 0:22:43.000
<v Speaker 3>and say, hey girl, let's go like book a flight.

0:22:43.359 --> 0:22:45.720
<v Speaker 1>The universe does not take any major credit.

0:22:45.440 --> 0:22:49.479
<v Speaker 3>Cards exactly, so like a mix of those things. It's like,

0:22:49.600 --> 0:22:51.360
<v Speaker 3>there's definitely been things that have happened in my life

0:22:51.440 --> 0:22:53.800
<v Speaker 3>that I'm like, wow, where did that come from? But

0:22:53.960 --> 0:22:55.560
<v Speaker 3>the vast majority I had.

0:22:55.400 --> 0:22:56.320
<v Speaker 4>To put some work for it.

0:22:56.480 --> 0:22:58.840
<v Speaker 2>And if you're listening now and you miss last week's episode,

0:22:58.840 --> 0:23:02.879
<v Speaker 2>we had on Patrise Williams see Williams and that's her

0:23:02.920 --> 0:23:06.359
<v Speaker 2>last name, right, Washington. Oh my god, I like that

0:23:06.400 --> 0:23:10.879
<v Speaker 2>doesn't sound right in my head. Patrese Washington, love you, Patrees.

0:23:11.960 --> 0:23:13.840
<v Speaker 2>And we talked about something similar yeah with her, and

0:23:13.880 --> 0:23:15.400
<v Speaker 2>she had a really she had some really good thoughts

0:23:15.400 --> 0:23:17.800
<v Speaker 2>on that. So definitely go download episode thirteen if you

0:23:17.840 --> 0:23:20.840
<v Speaker 2>haven't yet with for our amazing interview with Patrese.

0:23:21.000 --> 0:23:21.840
<v Speaker 4>Yeah, she's dope.

0:23:22.520 --> 0:23:24.760
<v Speaker 2>My brown break I have to take things a little

0:23:24.800 --> 0:23:27.000
<v Speaker 2>bit serious, because it's just like it's one of those times,

0:23:27.000 --> 0:23:29.080
<v Speaker 2>just like you like, a little tiny bit of things

0:23:29.119 --> 0:23:31.640
<v Speaker 2>just keep adding up. And we all know that there

0:23:31.720 --> 0:23:35.880
<v Speaker 2>is a refugee crisis happening, especially in Syria right now.

0:23:35.960 --> 0:23:41.400
<v Speaker 2>Syrians are fleeing a civil war where chemical acid warfare

0:23:41.440 --> 0:23:43.639
<v Speaker 2>has been used on them. Children have been dying, people

0:23:43.680 --> 0:23:45.919
<v Speaker 2>have been displaced. It's all at war. We're there, so

0:23:45.960 --> 0:23:48.880
<v Speaker 2>obviously they want to flee, and they're fleeing to Europe.

0:23:49.160 --> 0:23:52.800
<v Speaker 2>And in the wake of what happened in Paris, although

0:23:52.960 --> 0:23:55.960
<v Speaker 2>I don't believe any Syrians were involved that I've heard

0:23:55.960 --> 0:23:58.120
<v Speaker 2>of so far, I believe the mastermind was from Belgium.

0:23:58.119 --> 0:24:00.640
<v Speaker 2>But it's funny how facts just, you know, slip through

0:24:00.640 --> 0:24:02.680
<v Speaker 2>the cracks when people are blinded by their own fear.

0:24:03.480 --> 0:24:04.160
<v Speaker 1>In the wake of what.

0:24:04.160 --> 0:24:06.720
<v Speaker 2>Happened in Paris, people have been using that as a

0:24:06.760 --> 0:24:10.640
<v Speaker 2>peg to try and legislators have been trying to get

0:24:10.640 --> 0:24:14.040
<v Speaker 2>this a bill passed that would make it exponentially harder

0:24:14.119 --> 0:24:17.440
<v Speaker 2>for Syrian refugees to get into the United States at

0:24:17.440 --> 0:24:20.639
<v Speaker 2>this time. President Obama has promised to admit ten thousand

0:24:20.640 --> 0:24:22.280
<v Speaker 2>refugees to the US next year.

0:24:23.400 --> 0:24:23.919
<v Speaker 1>And so there's this.

0:24:24.359 --> 0:24:27.000
<v Speaker 2>Bill out in Congress I think in the House right now,

0:24:27.280 --> 0:24:29.040
<v Speaker 2>and they're ready to they're setting to vote on it,

0:24:29.080 --> 0:24:30.800
<v Speaker 2>I think either this week or next week, and it

0:24:30.800 --> 0:24:33.520
<v Speaker 2>would make it would make all sorts of checks and balances,

0:24:33.600 --> 0:24:35.600
<v Speaker 2>and it's completely unnecessary.

0:24:37.040 --> 0:24:38.080
<v Speaker 1>It already takes.

0:24:37.840 --> 0:24:42.520
<v Speaker 2>Two years, two years for Syrians or any refugees, I think,

0:24:42.840 --> 0:24:45.880
<v Speaker 2>especially from Syria to get approved to come to United States.

0:24:46.160 --> 0:24:51.199
<v Speaker 2>Like there already are stringent regulations and checks and balances

0:24:51.200 --> 0:24:53.560
<v Speaker 2>in place. And the fact that people are just sort

0:24:53.560 --> 0:24:56.639
<v Speaker 2>of like tapping into this fear that people have in

0:24:56.720 --> 0:24:59.160
<v Speaker 2>light of the Paris to get people to like enact

0:24:59.160 --> 0:25:02.680
<v Speaker 2>this legislation that would deny, you know, refugees the right

0:25:02.760 --> 0:25:06.399
<v Speaker 2>to seek refuge in America. It just gets under my skin.

0:25:06.480 --> 0:25:09.040
<v Speaker 2>And you got Ben Carson, did you hear? Ben Carson

0:25:09.119 --> 0:25:11.560
<v Speaker 2>was like giving a speech and he's like, well, if

0:25:11.560 --> 0:25:13.840
<v Speaker 2>you had a rabbit dog in your backyard, wouldn't you

0:25:13.880 --> 0:25:15.760
<v Speaker 2>want to get you know, keep the rabbit dog out

0:25:15.760 --> 0:25:16.480
<v Speaker 2>of your backyard?

0:25:16.720 --> 0:25:17.680
<v Speaker 4>And I'm like, what is he even?

0:25:17.960 --> 0:25:22.480
<v Speaker 3>Honestly, Ben Carson, honestly, he's like my greatest disappointment because

0:25:22.480 --> 0:25:25.520
<v Speaker 3>I'm like, man gifted hands, could you shut the help

0:25:26.119 --> 0:25:26.520
<v Speaker 3>for real?

0:25:26.760 --> 0:25:28.160
<v Speaker 1>Gift in hand? Foolish mind?

0:25:28.440 --> 0:25:30.840
<v Speaker 3>Your right exactly put your hands over your mouth, show

0:25:30.920 --> 0:25:33.639
<v Speaker 3>me that gift, because I'm just like so disappointed at

0:25:33.680 --> 0:25:37.239
<v Speaker 3>this man who just raised himself from like like you know,

0:25:37.800 --> 0:25:43.360
<v Speaker 3>poverty and impossible dreams to become this like brilliant surgeon.

0:25:43.920 --> 0:25:46.639
<v Speaker 3>And this is what this is your legacy that you're leaving.

0:25:47.320 --> 0:25:50.119
<v Speaker 3>You know, I'm just like, Wow, you just decided, you

0:25:50.119 --> 0:25:51.680
<v Speaker 3>know what everybody.

0:25:51.240 --> 0:25:54.040
<v Speaker 4>Thinks, I'm amazing. Let me just go ahead and mess

0:25:54.080 --> 0:25:54.440
<v Speaker 4>that up.

0:25:55.840 --> 0:25:56.359
<v Speaker 1>He's done.

0:25:56.560 --> 0:26:00.480
<v Speaker 2>He's I mean, like I wanted to, you know, I

0:26:00.520 --> 0:26:02.080
<v Speaker 2>was trying to explain to my dad this week and

0:26:02.080 --> 0:26:03.639
<v Speaker 2>my dad and I, so I went to Atlanta to

0:26:03.720 --> 0:26:06.680
<v Speaker 2>visit my dad before the Thanksgiving holiday, and he and

0:26:06.720 --> 0:26:08.920
<v Speaker 2>I like to go for walks together, and we started

0:26:08.960 --> 0:26:11.760
<v Speaker 2>talking about the refugee crisis. And my dad pays attention

0:26:11.800 --> 0:26:14.280
<v Speaker 2>to the news. I mean, he wasn't he's not college educated,

0:26:14.960 --> 0:26:16.879
<v Speaker 2>but he pays attention to the news and he's smart.

0:26:17.080 --> 0:26:19.359
<v Speaker 2>And even he was like, but they can get in

0:26:19.440 --> 0:26:21.439
<v Speaker 2>so easily, you know, they can just come across and

0:26:21.480 --> 0:26:23.639
<v Speaker 2>just come to America. It's super easy. And I was like,

0:26:24.040 --> 0:26:26.480
<v Speaker 2>I tried to tell him, no, it takes two years.

0:26:26.840 --> 0:26:30.040
<v Speaker 2>But that information isn't easy to find. But I was

0:26:30.119 --> 0:26:32.920
<v Speaker 2>really really happy because today on the front page of

0:26:32.920 --> 0:26:34.680
<v Speaker 2>the New York Times, I think it's still there, there

0:26:34.720 --> 0:26:37.080
<v Speaker 2>was a great article and it's titled why it takes

0:26:37.119 --> 0:26:39.600
<v Speaker 2>two years for Syrian refugees to enter the US, And

0:26:39.640 --> 0:26:43.160
<v Speaker 2>I was like, facts, thank you Jesus. Facts, And literally

0:26:43.160 --> 0:26:46.160
<v Speaker 2>there's one, two, three, four, five, six, seven, eight nine ten,

0:26:46.320 --> 0:26:50.320
<v Speaker 2>twenty facts. I mean twenty steps it takes to VERUS

0:26:50.359 --> 0:26:55.080
<v Speaker 2>Syrian refugee to get to United States. Fingerprint screening, multiple

0:26:55.119 --> 0:26:59.119
<v Speaker 2>background checks, you have to get a referral to get registered,

0:26:59.160 --> 0:27:01.800
<v Speaker 2>to become a to get you know, because a refugee

0:27:01.800 --> 0:27:07.160
<v Speaker 2>here you need you have to be interviewed by immigration headquarters.

0:27:07.400 --> 0:27:09.080
<v Speaker 2>You have to have an in person injury with a

0:27:09.119 --> 0:27:13.280
<v Speaker 2>Homeland Security officer, Like there's a cultural orientation class, there's

0:27:13.320 --> 0:27:17.560
<v Speaker 2>a screening for contagious diseases, multi agency security check, you

0:27:17.600 --> 0:27:20.239
<v Speaker 2>have to be matched with an American resettlement agency. I'm like,

0:27:20.400 --> 0:27:22.600
<v Speaker 2>is this not enough? Like, look how many hoops they

0:27:22.600 --> 0:27:26.600
<v Speaker 2>have to jump through. This legislation is just a fear tactic.

0:27:26.960 --> 0:27:31.680
<v Speaker 2>It's just Republicans. I'm sorry, conservatives trying to take advantage

0:27:31.680 --> 0:27:35.360
<v Speaker 2>of people's fear, and this sort of fear mongering does

0:27:35.400 --> 0:27:38.880
<v Speaker 2>nothing but deny people who are literally seeking refuge from

0:27:38.960 --> 0:27:42.520
<v Speaker 2>war access to the same kind of peace and freedom

0:27:42.560 --> 0:27:43.520
<v Speaker 2>that we enjoy every day.

0:27:43.520 --> 0:27:45.320
<v Speaker 1>And I just think that's that's terrible.

0:27:46.960 --> 0:27:48.639
<v Speaker 3>Yeah, some do you just look at this world and

0:27:48.640 --> 0:27:52.840
<v Speaker 3>you're like, ah.

0:27:51.520 --> 0:27:52.880
<v Speaker 2>But you know, when I was in Georgia, and I'm

0:27:52.880 --> 0:27:54.679
<v Speaker 2>not gonna lie, Georgia is not the most I mean,

0:27:54.720 --> 0:27:57.119
<v Speaker 2>Georgia has some closed minded people. Now Atlanta is a

0:27:57.119 --> 0:27:59.240
<v Speaker 2>different story because it's a big city. But I was

0:27:59.320 --> 0:28:04.080
<v Speaker 2>riding through the city with my whoa with my dad

0:28:04.920 --> 0:28:08.440
<v Speaker 2>and I passed by this church and the sign North

0:28:08.480 --> 0:28:12.800
<v Speaker 2>Decatur United Methodist Church anybody from Decata. Hey, the sign

0:28:12.880 --> 0:28:15.800
<v Speaker 2>of the church says refugees are welcome here worship Sundays

0:28:15.800 --> 0:28:18.040
<v Speaker 2>at eleven am. And I took a little picture and

0:28:18.080 --> 0:28:20.520
<v Speaker 2>I was like, okay, Georgia, like, you're not all bad.

0:28:20.840 --> 0:28:23.640
<v Speaker 4>I'll post it in our Facebook group and our Facebook page.

0:28:23.720 --> 0:28:23.919
<v Speaker 3>I did.

0:28:23.920 --> 0:28:25.679
<v Speaker 2>I put it on Instagram. I'm gonna put it up there.

0:28:25.680 --> 0:28:27.040
<v Speaker 2>I thought that was really nice. It kind of wore

0:28:27.119 --> 0:28:30.480
<v Speaker 2>my little heart. So as long as there's some people

0:28:30.480 --> 0:28:32.840
<v Speaker 2>out there who aren't disclosed minded, I think will be okay,

0:28:32.880 --> 0:28:35.159
<v Speaker 2>but I'm taking it. I guess my official Brown break

0:28:35.600 --> 0:28:38.240
<v Speaker 2>is on the lie surrounding what it.

0:28:38.240 --> 0:28:40.840
<v Speaker 1>Takes for Snarian refugees to get into the United States.

0:28:53.160 --> 0:28:56.400
<v Speaker 2>Well, for our tips today, I wanted to We got

0:28:56.680 --> 0:28:59.320
<v Speaker 2>a couple of really good read your emails, so we're

0:28:59.320 --> 0:29:02.000
<v Speaker 2>gonna try and answer one per episode. And if you

0:29:02.000 --> 0:29:05.000
<v Speaker 2>want to send us a question about anything, your finances,

0:29:05.040 --> 0:29:08.440
<v Speaker 2>your career, your leve la, we'll try and answer it

0:29:08.480 --> 0:29:10.640
<v Speaker 2>on the air. You can email us at Brown Ambition

0:29:10.800 --> 0:29:13.560
<v Speaker 2>Podcast at gmail dot dot com.

0:29:13.600 --> 0:29:14.440
<v Speaker 4>I got the last part.

0:29:14.440 --> 0:29:18.280
<v Speaker 2>Good yeah, Brown Ambition Podcast at gmail dot com. Send

0:29:18.320 --> 0:29:20.920
<v Speaker 2>us your question. You can be anonymous, but most people

0:29:20.920 --> 0:29:22.920
<v Speaker 2>have been giving us their first name, which has been nice.

0:29:23.000 --> 0:29:23.480
<v Speaker 1>Helps us.

0:29:23.520 --> 0:29:25.560
<v Speaker 2>You know, I feel like we're talking to a real person.

0:29:26.640 --> 0:29:28.760
<v Speaker 2>So today's question, I'll read it real quick. It comes

0:29:28.800 --> 0:29:32.800
<v Speaker 2>from Taran. Thanks miss Arran for listening. She says, I

0:29:32.840 --> 0:29:35.760
<v Speaker 2>am thirty six, I'm single, and I have no children.

0:29:35.960 --> 0:29:38.360
<v Speaker 2>And Taren has a question about her four oh one

0:29:38.440 --> 0:29:41.920
<v Speaker 2>k situation. She says, I'm currently working full time in

0:29:41.960 --> 0:29:44.400
<v Speaker 2>the nonprofit world, but she has dreams of becoming a

0:29:44.400 --> 0:29:48.640
<v Speaker 2>non traditional non to five career woman. She changes jobs

0:29:48.680 --> 0:29:51.280
<v Speaker 2>every one and a half years, and she says, I

0:29:51.360 --> 0:29:53.760
<v Speaker 2>usually contribute to the four oh one K, which means

0:29:53.760 --> 0:29:55.720
<v Speaker 2>she has a few four to one K accounts that

0:29:55.840 --> 0:29:58.520
<v Speaker 2>range from like nine hundred to twenty one hundred dollars

0:29:58.840 --> 0:30:01.520
<v Speaker 2>floating out there in the world. She says, I recently

0:30:01.520 --> 0:30:03.600
<v Speaker 2>started a new job, and it's time to sign up

0:30:03.640 --> 0:30:06.800
<v Speaker 2>for four oh one K. So Tarin has a few

0:30:06.800 --> 0:30:08.600
<v Speaker 2>different questions here. I'm going to start with the very

0:30:08.600 --> 0:30:11.560
<v Speaker 2>first one, which is essentially, I have these four toh

0:30:11.560 --> 0:30:14.480
<v Speaker 2>one K accounts floating out there with a couple hundred

0:30:14.480 --> 0:30:15.000
<v Speaker 2>bucks in them?

0:30:15.160 --> 0:30:16.200
<v Speaker 1>What should I do?

0:30:16.880 --> 0:30:20.480
<v Speaker 3>I say that she it's it's never wise to have

0:30:20.880 --> 0:30:26.200
<v Speaker 3>too many of these, like retirement accounts with the actual

0:30:26.240 --> 0:30:29.120
<v Speaker 3>company that you used to be before, because it's easy

0:30:29.120 --> 0:30:31.920
<v Speaker 3>to lose track, and so it's best to do what's

0:30:31.960 --> 0:30:34.200
<v Speaker 3>called a rollover. Not you don't you go and take

0:30:34.240 --> 0:30:35.520
<v Speaker 3>the money out, because you're going to be hit with

0:30:35.560 --> 0:30:37.360
<v Speaker 3>all kinds of fees and taxes and stuff and you'll

0:30:37.400 --> 0:30:38.040
<v Speaker 3>lose some money.

0:30:38.280 --> 0:30:40.760
<v Speaker 4>But to go to whatever bank that you use, or

0:30:41.360 --> 0:30:41.720
<v Speaker 4>if you.

0:30:41.720 --> 0:30:44.560
<v Speaker 3>Have some sort of outside ira or roth ira at

0:30:44.560 --> 0:30:46.800
<v Speaker 3>a bank, ask them to roll it over for you,

0:30:46.840 --> 0:30:48.720
<v Speaker 3>so that way you can have all of those accounts

0:30:48.920 --> 0:30:51.200
<v Speaker 3>at one place, and then you could still have your

0:30:51.240 --> 0:30:54.320
<v Speaker 3>current retirement account at your current company.

0:30:54.960 --> 0:30:56.120
<v Speaker 1>So doing yeah, that'stuff.

0:30:56.240 --> 0:30:57.680
<v Speaker 2>The first part you got to do is go find

0:30:57.720 --> 0:31:00.040
<v Speaker 2>those old accounts because even if you go through so

0:31:00.080 --> 0:31:02.160
<v Speaker 2>you're about to start a new job, even if you've

0:31:02.160 --> 0:31:03.760
<v Speaker 2>set up a four to one K through your new job,

0:31:03.760 --> 0:31:05.120
<v Speaker 2>they won't be able to tell you where your old

0:31:05.120 --> 0:31:07.120
<v Speaker 2>accounts are. So you have to go down the list

0:31:07.160 --> 0:31:09.240
<v Speaker 2>of your employers, try and go on LinkedIn if it's

0:31:09.240 --> 0:31:10.760
<v Speaker 2>that many, and try and make.

0:31:10.600 --> 0:31:11.160
<v Speaker 1>A little list.

0:31:11.240 --> 0:31:13.200
<v Speaker 2>Go to all your old employers, ask them to tell

0:31:13.240 --> 0:31:15.720
<v Speaker 2>you where your account's being held, go through the steps

0:31:15.760 --> 0:31:17.239
<v Speaker 2>trying to figure out where it is, and then you

0:31:17.280 --> 0:31:20.840
<v Speaker 2>go through that account holder and set up a it's

0:31:20.880 --> 0:31:25.240
<v Speaker 2>called a plan to plan rollover basically, so you'll ask

0:31:25.280 --> 0:31:27.840
<v Speaker 2>them to just transfer the cash in your in that

0:31:27.920 --> 0:31:31.360
<v Speaker 2>four to one K account to your new one. Her

0:31:31.400 --> 0:31:34.640
<v Speaker 2>other question, though, is since I switch jobs every one

0:31:34.680 --> 0:31:36.440
<v Speaker 2>and a half years or so, does it make any

0:31:36.480 --> 0:31:38.160
<v Speaker 2>sense to open up a new four to one K

0:31:38.240 --> 0:31:38.960
<v Speaker 2>at my new job?

0:31:40.240 --> 0:31:43.320
<v Speaker 1>Which is a really good question. It is I feel

0:31:43.320 --> 0:31:45.040
<v Speaker 1>like if if your new.

0:31:45.000 --> 0:31:45.920
<v Speaker 4>Job opers match.

0:31:46.240 --> 0:31:49.880
<v Speaker 2>Ye, yes, absolutely, do not turn down that free money.

0:31:50.280 --> 0:31:52.600
<v Speaker 2>If they don't match, you might just want to open

0:31:52.680 --> 0:31:57.000
<v Speaker 2>up your own individual retirement account and IRA. You can

0:31:57.040 --> 0:32:01.880
<v Speaker 2>do that through Vanguard Fidelity. Charles schwas for a low cost.

0:32:01.960 --> 0:32:04.080
<v Speaker 2>You know, you might need like five hundred two one

0:32:04.120 --> 0:32:07.000
<v Speaker 2>thousand dollars to open up one initially, and then you'll

0:32:07.000 --> 0:32:08.720
<v Speaker 2>have your own little pot of money and you can

0:32:08.760 --> 0:32:11.520
<v Speaker 2>still get all your old four oh one ks rolled

0:32:11.520 --> 0:32:12.560
<v Speaker 2>over into that new IRA.

0:32:13.040 --> 0:32:16.160
<v Speaker 3>Yeah, agreed that, like, yeah, if they're not matching and

0:32:16.200 --> 0:32:19.120
<v Speaker 3>you're feeling like you're going to jump around again, then yeah,

0:32:19.600 --> 0:32:20.120
<v Speaker 3>then do that.

0:32:20.240 --> 0:32:23.280
<v Speaker 4>But if like, let's just say they a lot of companies.

0:32:22.960 --> 0:32:26.120
<v Speaker 3>Will match after like six months, so you definitely want

0:32:26.160 --> 0:32:26.760
<v Speaker 3>to get that money.

0:32:26.760 --> 0:32:27.560
<v Speaker 4>It doesn't make sense.

0:32:27.560 --> 0:32:29.400
<v Speaker 3>So for those of you who are like what's matching,

0:32:29.480 --> 0:32:31.080
<v Speaker 3>because when I was like twenty something, I would have

0:32:31.120 --> 0:32:32.320
<v Speaker 3>totally been like, what's that mean?

0:32:32.600 --> 0:32:34.480
<v Speaker 4>And that just means that when you're with a company.

0:32:34.920 --> 0:32:37.720
<v Speaker 3>So when I used to work for a nonprofit, they

0:32:37.760 --> 0:32:39.680
<v Speaker 3>had a four to oh three B which is basically

0:32:39.720 --> 0:32:41.920
<v Speaker 3>like a four to one pai K for nonprofits, and

0:32:41.920 --> 0:32:45.560
<v Speaker 3>that was my retirement account. And then after like six months,

0:32:45.600 --> 0:32:48.080
<v Speaker 3>I was like vested, which just basically means they were like, okay,

0:32:48.080 --> 0:32:50.040
<v Speaker 3>you're here, so the money.

0:32:49.800 --> 0:32:52.240
<v Speaker 4>You put in, we will match up to six percent.

0:32:52.520 --> 0:32:56.120
<v Speaker 3>That meant, if I put one percent of my income

0:32:56.240 --> 0:32:58.560
<v Speaker 3>into my retirement account, they put one percent. If I

0:32:58.600 --> 0:33:00.760
<v Speaker 3>put three, they put three. If I put six, they

0:33:00.760 --> 0:33:03.280
<v Speaker 3>put six. If I put seven, they still put six

0:33:03.320 --> 0:33:04.440
<v Speaker 3>because that was their max.

0:33:04.920 --> 0:33:06.560
<v Speaker 4>So if your company.

0:33:06.240 --> 0:33:10.120
<v Speaker 3>Is going to put a percentage in, then at the

0:33:10.240 --> 0:33:12.240
<v Speaker 3>very least put up to what they're gonna put in.

0:33:12.280 --> 0:33:14.600
<v Speaker 3>So six plus six equals twelve percent of your income

0:33:14.960 --> 0:33:16.520
<v Speaker 3>going into your retirement account.

0:33:16.880 --> 0:33:18.040
<v Speaker 4>That's what we mean by matching.

0:33:18.480 --> 0:33:19.320
<v Speaker 1>It's a beautiful thing.

0:33:19.360 --> 0:33:21.440
<v Speaker 2>My very first big girl job in New York that

0:33:21.560 --> 0:33:24.240
<v Speaker 2>I did not realize until I was almost leaving.

0:33:24.280 --> 0:33:26.840
<v Speaker 1>I was there for two years. They matched one hundred percent.

0:33:27.120 --> 0:33:31.080
<v Speaker 2>No, baby Jesus, it was so hard, but you know,

0:33:31.320 --> 0:33:33.000
<v Speaker 2>and it wasn't until I got this job being a

0:33:33.000 --> 0:33:35.320
<v Speaker 2>personal finance reporter where I finally learned all that, and

0:33:35.360 --> 0:33:38.120
<v Speaker 2>I was like, damn it, but I was so I mean, honestly,

0:33:38.160 --> 0:33:40.360
<v Speaker 2>I was making such little money I probably wouldn't even

0:33:40.400 --> 0:33:42.400
<v Speaker 2>I barely was making rent, so I don't know if

0:33:42.400 --> 0:33:44.600
<v Speaker 2>I would have contributed that much, but it was a

0:33:44.680 --> 0:33:49.120
<v Speaker 2>lesson learned. Yeah, so definitely think about opening your own IRA,

0:33:49.280 --> 0:33:51.280
<v Speaker 2>because that way you won't have always little accounts floating

0:33:51.280 --> 0:33:52.680
<v Speaker 2>out that you'll just have it all in one place.

0:33:53.600 --> 0:33:56.640
<v Speaker 2>And you should definitely set up automatic withdrawals.

0:33:57.240 --> 0:33:59.360
<v Speaker 1>Automatic is the best.

0:33:59.480 --> 0:34:02.560
<v Speaker 2>It is, Like, let me tell you so I automatic.

0:34:04.120 --> 0:34:05.680
<v Speaker 2>Let me back up a little bit. So I've been

0:34:05.720 --> 0:34:09.720
<v Speaker 2>writing personal finance for like almost five years now. Every

0:34:09.800 --> 0:34:12.840
<v Speaker 2>time I see a headline that's like the seven pieces

0:34:12.880 --> 0:34:16.120
<v Speaker 2>of advice millionaires always give, like the seven things millionaires

0:34:16.160 --> 0:34:18.520
<v Speaker 2>do to earn their money, or the one piece of

0:34:18.560 --> 0:34:21.640
<v Speaker 2>advice Warren Buffett has, Like every single time I know

0:34:21.719 --> 0:34:23.919
<v Speaker 2>exactly what I'm going to see, it's going to say

0:34:23.960 --> 0:34:25.440
<v Speaker 2>save and automate it.

0:34:25.680 --> 0:34:29.000
<v Speaker 1>Yes, because it works. Okay, because it works.

0:34:28.880 --> 0:34:31.359
<v Speaker 2>So definitely you want to, Yeah, think about opening your

0:34:31.400 --> 0:34:35.160
<v Speaker 2>own IRA. Tarn And then her last question, well, she

0:34:35.200 --> 0:34:36.760
<v Speaker 2>has a couple more. She has a lot of questions

0:34:36.800 --> 0:34:39.080
<v Speaker 2>packed into one. She wants to know how much should

0:34:39.120 --> 0:34:43.960
<v Speaker 2>I be contributing? So when you're automating your savings, I

0:34:44.000 --> 0:34:47.640
<v Speaker 2>mean the general rule of thumb is ten percent. Okay,

0:34:48.120 --> 0:34:50.839
<v Speaker 2>if your employer is going to match five percent, then

0:34:50.880 --> 0:34:53.160
<v Speaker 2>you only have to put in five percent. It'd be

0:34:53.200 --> 0:34:54.600
<v Speaker 2>great if you can put in ten, but again, you

0:34:54.640 --> 0:34:58.360
<v Speaker 2>just want to capture that match. I personally contribute twelve percent,

0:34:58.480 --> 0:35:01.319
<v Speaker 2>and that is because I spent, like I said, two

0:35:01.400 --> 0:35:05.320
<v Speaker 2>years of my life wasting, not spending or not saving

0:35:05.320 --> 0:35:07.200
<v Speaker 2>for retirement. So I'm playing a little bit of catch up,

0:35:07.600 --> 0:35:10.280
<v Speaker 2>so I saved twelve I've heard between ten and fifteen percent.

0:35:10.320 --> 0:35:12.560
<v Speaker 3>I would say that ten well, and you know why too,

0:35:12.719 --> 0:35:15.080
<v Speaker 3>especially for women, ten percent.

0:35:14.840 --> 0:35:15.960
<v Speaker 4>Is really like the rule of thumb.

0:35:16.000 --> 0:35:18.799
<v Speaker 3>I feel like for men, but we live longer, So

0:35:19.200 --> 0:35:21.120
<v Speaker 3>I would say for women, like I think twelve where

0:35:21.120 --> 0:35:25.080
<v Speaker 3>you're doing now is great. That twelve percent is, I mean,

0:35:25.080 --> 0:35:26.480
<v Speaker 3>because why not have more.

0:35:26.320 --> 0:35:27.640
<v Speaker 4>For your older self, you know?

0:35:28.640 --> 0:35:31.839
<v Speaker 3>You know. So I actually set aside twenty percent because

0:35:31.880 --> 0:35:35.839
<v Speaker 3>I'm self employed, so I don't have the benefit of like,

0:35:36.360 --> 0:35:38.640
<v Speaker 3>you know, having you know, a four to one k

0:35:38.760 --> 0:35:41.200
<v Speaker 3>anymore or four or three b And so I set

0:35:41.239 --> 0:35:45.200
<v Speaker 3>aside a larger percentage because I don't know, I'm just like,

0:35:45.200 --> 0:35:46.680
<v Speaker 3>I'm self employed, so I want to make sure that

0:35:46.680 --> 0:35:48.640
<v Speaker 3>I'm super covered, you know, because I'm not. I'm not

0:35:48.719 --> 0:35:52.439
<v Speaker 3>contributing to my social security like like I was before

0:35:52.440 --> 0:35:53.920
<v Speaker 3>I'm like, am I contributing to my Social Security?

0:35:53.960 --> 0:35:55.880
<v Speaker 4>I don't know, that's a question for my account.

0:35:55.400 --> 0:35:58.320
<v Speaker 1>But do you have it? So you have an IRA setup?

0:35:58.560 --> 0:35:59.319
<v Speaker 4>I do I have?

0:35:59.480 --> 0:36:01.359
<v Speaker 3>So the thing is I do twenty percent, but I

0:36:01.400 --> 0:36:05.480
<v Speaker 3>do ten percent of it is strictly retirement and ten

0:36:05.520 --> 0:36:07.560
<v Speaker 3>percent of it is investing for wealth.

0:36:08.080 --> 0:36:10.040
<v Speaker 4>So that's how Yeah, So that's how I split mind that.

0:36:10.120 --> 0:36:13.000
<v Speaker 3>It's like, oh, okay, so James, who's my who's my

0:36:13.160 --> 0:36:15.240
<v Speaker 3>financial advisor? We're actually going to sit down and talk

0:36:16.080 --> 0:36:18.120
<v Speaker 3>in a few weeks because I'm like, James, I'm coming

0:36:18.120 --> 0:36:19.560
<v Speaker 3>into some money the budget he says.

0:36:19.480 --> 0:36:20.960
<v Speaker 4>Kicking button, taking names.

0:36:21.280 --> 0:36:22.640
<v Speaker 3>So I just love James because I could talk to

0:36:22.719 --> 0:36:25.200
<v Speaker 3>him like that, and I was like, so what should

0:36:25.200 --> 0:36:26.719
<v Speaker 3>I do? He's like, come see me so we can

0:36:26.760 --> 0:36:30.280
<v Speaker 3>like re you know, reorganize, like where your money is going.

0:36:30.400 --> 0:36:33.000
<v Speaker 2>So and it's hard to answer that question for a

0:36:33.040 --> 0:36:34.919
<v Speaker 2>person we don't know either. I don't know your entire

0:36:34.920 --> 0:36:37.719
<v Speaker 2>financial history. So I would say, you know, if you

0:36:37.880 --> 0:36:39.759
<v Speaker 2>feel like ten percent is too much, what you can

0:36:39.840 --> 0:36:42.080
<v Speaker 2>do is just start with like start with six Let's

0:36:42.080 --> 0:36:44.040
<v Speaker 2>say start with five six percent that's a little bit

0:36:44.040 --> 0:36:46.759
<v Speaker 2>of money, and then some four wing k plans and

0:36:46.800 --> 0:36:49.959
<v Speaker 2>even iras out there will do a thing where every

0:36:50.000 --> 0:36:52.759
<v Speaker 2>year it not just ratches it up by one percentage point.

0:36:52.880 --> 0:36:54.879
<v Speaker 2>So next year I'll go to seven. The year iflet

0:36:54.880 --> 0:36:56.880
<v Speaker 2>I'll go up to eight. And if you do that,

0:36:56.880 --> 0:36:59.040
<v Speaker 2>then you'll be saving a little bit more automatically. Again,

0:36:59.040 --> 0:37:01.960
<v Speaker 2>you probably won't even feel it, because one percent feels

0:37:01.960 --> 0:37:04.560
<v Speaker 2>a lot less painful than me exactly going from six

0:37:04.600 --> 0:37:08.040
<v Speaker 2>to ten and you know, one minute. So that's one

0:37:08.040 --> 0:37:10.840
<v Speaker 2>idea if your plan offers, I'm doing that. Actually, So

0:37:11.400 --> 0:37:13.560
<v Speaker 2>I think this year, so I started out eleven percent

0:37:13.800 --> 0:37:15.359
<v Speaker 2>and now I'm at twelve, and I think next Ye'll

0:37:15.400 --> 0:37:15.880
<v Speaker 2>be thirteen.

0:37:16.840 --> 0:37:17.960
<v Speaker 1>Working my way up.

0:37:18.600 --> 0:37:19.319
<v Speaker 4>That's how I did too.

0:37:19.360 --> 0:37:21.399
<v Speaker 3>I think I started off at like five percent. It's

0:37:21.600 --> 0:37:24.399
<v Speaker 3>like every year I would bump and bump, and now

0:37:24.400 --> 0:37:28.480
<v Speaker 3>I'm at twenty and I think that I'll probably cap myself.

0:37:28.440 --> 0:37:29.960
<v Speaker 4>At twenty or I might not. I might do.

0:37:30.040 --> 0:37:31.560
<v Speaker 3>I feel like if you if I'm making way more,

0:37:31.560 --> 0:37:33.800
<v Speaker 3>because I'm pretty simply. If I all of a sudden

0:37:33.840 --> 0:37:37.400
<v Speaker 3>make a million dollars next year, hand to God, praise him.

0:37:37.719 --> 0:37:38.360
<v Speaker 4>No, if I'm making it.

0:37:39.440 --> 0:37:41.759
<v Speaker 3>If I make a million dollars next year, then I

0:37:41.920 --> 0:37:44.560
<v Speaker 3>likely do even more because I won't be needing a

0:37:44.560 --> 0:37:46.359
<v Speaker 3>million to live off of. And no, I don't give

0:37:46.400 --> 0:37:49.120
<v Speaker 3>out loans, so don't even try a bah so, folks,

0:37:49.400 --> 0:37:51.080
<v Speaker 3>because some of y'all hit me behind the scenes.

0:37:51.120 --> 0:37:54.040
<v Speaker 4>Now I'm just joking any other girl, No, I'm just joking.

0:37:54.080 --> 0:37:54.440
<v Speaker 1>Thank God.

0:37:54.560 --> 0:37:56.360
<v Speaker 4>I'm like no, because honestly, the answer is no.

0:37:56.719 --> 0:37:59.400
<v Speaker 2>And automating automative is just think of it as. You know,

0:37:59.440 --> 0:38:01.400
<v Speaker 2>my little brother I just talked to him about saving.

0:38:01.760 --> 0:38:03.640
<v Speaker 2>He just started his first job. He's making really good

0:38:03.680 --> 0:38:05.680
<v Speaker 2>money and he's feeling kind of in some way about

0:38:05.719 --> 0:38:07.279
<v Speaker 2>himself and he's like, oh, you know, I don't really

0:38:07.320 --> 0:38:09.520
<v Speaker 2>want to save. I want to enjoy my money. And

0:38:09.600 --> 0:38:11.759
<v Speaker 2>when he said that, I was like, but saving is

0:38:11.800 --> 0:38:14.000
<v Speaker 2>not taking. You're not giving your money to someone else.

0:38:14.040 --> 0:38:17.120
<v Speaker 2>You're literally paying yourself. Like that's what you should think

0:38:17.160 --> 0:38:20.120
<v Speaker 2>of saving as And he's like, paying myself. Yeah, you're right,

0:38:20.160 --> 0:38:23.000
<v Speaker 2>it's not disappearing. I'm still got it. I'm like, yes,

0:38:23.360 --> 0:38:25.759
<v Speaker 2>people really have this like mental block when they think

0:38:25.800 --> 0:38:27.600
<v Speaker 2>that they're saving, but it's not their money anymore.

0:38:27.600 --> 0:38:31.440
<v Speaker 1>I'm like, yes, it is exactly. It's actually still there.

0:38:31.840 --> 0:38:34.080
<v Speaker 3>Because people too when it comes to retirement. It's because

0:38:34.080 --> 0:38:35.919
<v Speaker 3>they cannot connect with their older self.

0:38:35.960 --> 0:38:37.480
<v Speaker 4>So that's why I named my older self.

0:38:37.680 --> 0:38:39.399
<v Speaker 3>I named her Wanda, and I encourage you to name

0:38:39.440 --> 0:38:42.080
<v Speaker 3>your older self tern you know, maybe her name is Teresa.

0:38:42.120 --> 0:38:44.680
<v Speaker 3>I don't know, but I always think to myself like, Ooh,

0:38:44.760 --> 0:38:47.719
<v Speaker 3>do I really want Wanda eating cat food? Or do

0:38:47.840 --> 0:38:50.360
<v Speaker 3>I really want Wanda like, you know, struggling because you

0:38:50.360 --> 0:38:52.239
<v Speaker 3>have to think about it. Imagine if you live with

0:38:52.280 --> 0:38:55.920
<v Speaker 3>your grandma and it's between you and grandma has to

0:38:55.920 --> 0:38:57.560
<v Speaker 3>go to work to like pay these bills.

0:38:57.760 --> 0:38:59.440
<v Speaker 4>You would never say you're well, you.

0:38:59.440 --> 0:39:02.160
<v Speaker 3>Never know, but most people who would never send their

0:39:02.160 --> 0:39:04.759
<v Speaker 3>grandma out like grandma, you better go to work, girl.

0:39:04.800 --> 0:39:06.920
<v Speaker 3>These bills are not gonna pay themselves. You would not

0:39:07.000 --> 0:39:09.719
<v Speaker 3>do that, But we do that with our older selves.

0:39:10.080 --> 0:39:12.360
<v Speaker 3>We do less now, and then what do you think's

0:39:12.400 --> 0:39:14.120
<v Speaker 3>gonna happen when we get to be older.

0:39:14.480 --> 0:39:16.800
<v Speaker 4>We're gonna have to put in work because of.

0:39:16.680 --> 0:39:19.439
<v Speaker 3>The flacking we kind of did when we were younger. Really,

0:39:19.520 --> 0:39:21.920
<v Speaker 3>it's your younger self's job to take care of your

0:39:21.920 --> 0:39:24.040
<v Speaker 3>older self. So try to think of your older self

0:39:24.040 --> 0:39:26.560
<v Speaker 3>like your own grandma, and you know, treat her kindly,

0:39:26.719 --> 0:39:28.000
<v Speaker 3>don't make her work instead.

0:39:28.080 --> 0:39:29.879
<v Speaker 4>You work now because you're younger.

0:39:29.960 --> 0:39:32.120
<v Speaker 2>And Tara in your thirty six, you have another fifty

0:39:32.200 --> 0:39:35.000
<v Speaker 2>years probably mm hmm, you know, if you're to live

0:39:35.040 --> 0:39:37.160
<v Speaker 2>to the average age for women, which is like I think, what.

0:39:37.200 --> 0:39:39.080
<v Speaker 1>Eighty six, something like that, eighty five.

0:39:39.600 --> 0:39:41.080
<v Speaker 2>Anyway, it's a couple of years older than then a

0:39:41.120 --> 0:39:43.520
<v Speaker 2>few years actually, so we have, like Tiffany said, you

0:39:43.600 --> 0:39:45.919
<v Speaker 2>have much longer to be saving four And don't think

0:39:45.960 --> 0:39:49.040
<v Speaker 2>that you're ever too young to start saving, you know,

0:39:49.120 --> 0:39:51.040
<v Speaker 2>And don't think that I'll all just start saving next

0:39:51.120 --> 0:39:51.839
<v Speaker 2>year when I'm rich.

0:39:52.200 --> 0:39:53.839
<v Speaker 1>Now, exactly the saving is what.

0:39:53.800 --> 0:39:56.080
<v Speaker 4>Gets you rich, you know, exactly, save now.

0:39:56.239 --> 0:39:59.799
<v Speaker 2>So if she had a quick technical question, which was

0:40:00.200 --> 0:40:04.319
<v Speaker 2>roth four one k or traditional four to one K,

0:40:04.840 --> 0:40:06.520
<v Speaker 2>and I don't want to get too much into the

0:40:06.520 --> 0:40:08.480
<v Speaker 2>weeds about this, but it and you can do all,

0:40:08.600 --> 0:40:10.839
<v Speaker 2>she says herself. I've done the googles, and I feel

0:40:10.880 --> 0:40:12.600
<v Speaker 2>like I have a pretty good idea about the difference.

0:40:12.800 --> 0:40:14.640
<v Speaker 2>So you can easily google this. I've written a ton

0:40:14.640 --> 0:40:17.239
<v Speaker 2>of stuff. Just google Mandy Wood driff Roth four one K.

0:40:17.280 --> 0:40:19.520
<v Speaker 2>You'll probably find an article on it. So the main

0:40:19.560 --> 0:40:22.080
<v Speaker 2>difference between a wroth and a traditional is when you

0:40:22.120 --> 0:40:25.719
<v Speaker 2>pay taxes on it. So with a ROTH, you are

0:40:25.800 --> 0:40:29.040
<v Speaker 2>putting money in and you're paying taxes immediately. This is

0:40:29.080 --> 0:40:31.319
<v Speaker 2>cool because when you retire you take the money out,

0:40:31.320 --> 0:40:34.920
<v Speaker 2>you don't pay any taxes. Well, traditional you're deferring that

0:40:34.960 --> 0:40:37.520
<v Speaker 2>tax benefit. So you're putting the money in and when

0:40:37.560 --> 0:40:39.760
<v Speaker 2>you take it out later, you're going to pay taxes

0:40:39.760 --> 0:40:40.000
<v Speaker 2>on it.

0:40:40.640 --> 0:40:41.319
<v Speaker 1>So's it.

0:40:41.400 --> 0:40:44.040
<v Speaker 2>Why would you sign up for a ROTH versus traditional?

0:40:44.200 --> 0:40:47.040
<v Speaker 2>So if you were younger, and you think you're probably

0:40:47.080 --> 0:40:49.600
<v Speaker 2>if you're younger now, you know you're probably early in

0:40:49.680 --> 0:40:51.520
<v Speaker 2>your career, you're probably going to be earning less.

0:40:51.360 --> 0:40:53.120
<v Speaker 1>Now than you will later exactly.

0:40:53.239 --> 0:40:54.879
<v Speaker 2>So if you put money in a ROTH, you'll pay

0:40:54.960 --> 0:40:58.040
<v Speaker 2>a lower tax bracket today than you would if you

0:40:58.360 --> 0:41:02.279
<v Speaker 2>paid taxes later, when you retire, you'll probably be earning more.

0:41:02.360 --> 0:41:04.719
<v Speaker 2>So for that reason, it pretty much makes sense to

0:41:04.960 --> 0:41:05.720
<v Speaker 2>go with the ROTH.

0:41:06.400 --> 0:41:10.520
<v Speaker 1>But again, it's really hard to give detailed personal advice.

0:41:11.120 --> 0:41:14.640
<v Speaker 2>No, we don't know, so, like Tiffany has James, I

0:41:14.800 --> 0:41:17.440
<v Speaker 2>have used a financial planner before. Through a service called

0:41:17.520 --> 0:41:20.120
<v Speaker 2>learn invest, you can go out there and find like

0:41:20.360 --> 0:41:23.000
<v Speaker 2>find someone a financial planner to sit down with you,

0:41:23.440 --> 0:41:26.400
<v Speaker 2>like one on one if you want to like a

0:41:26.440 --> 0:41:29.200
<v Speaker 2>fee only planner, and they'll just charge you for like

0:41:29.239 --> 0:41:31.239
<v Speaker 2>the hour, or just charge you for the plan. And

0:41:31.280 --> 0:41:33.920
<v Speaker 2>they're not going to like attach their salary to whatever

0:41:34.080 --> 0:41:35.920
<v Speaker 2>gains you make on your accounts. They're not going to

0:41:35.960 --> 0:41:38.719
<v Speaker 2>try and sell you any products. You really want to

0:41:38.719 --> 0:41:41.200
<v Speaker 2>look for a fee only planner. There's a website I

0:41:41.280 --> 0:41:44.200
<v Speaker 2>point people to called NAPFA and a p AS and

0:41:44.280 --> 0:41:48.080
<v Speaker 2>Paul f AS and frank a dot org National Association

0:41:48.200 --> 0:41:50.640
<v Speaker 2>of Personal Financial Advisors I forget.

0:41:50.719 --> 0:41:51.800
<v Speaker 1>Yeah, they have NAPPA.

0:41:51.920 --> 0:41:53.959
<v Speaker 2>They have a whole database of people who are fee

0:41:53.960 --> 0:41:55.920
<v Speaker 2>only planners and you can put in your zip code

0:41:56.000 --> 0:41:57.920
<v Speaker 2>and then you go and find them in your area.

0:41:58.360 --> 0:41:59.520
<v Speaker 2>I mean, it's kind of like trying to find a

0:41:59.560 --> 0:42:02.839
<v Speaker 2>good guy. Now. Yeah, all you gotta like interview them,

0:42:02.880 --> 0:42:04.280
<v Speaker 2>and you do feel comfortable.

0:42:04.840 --> 0:42:06.399
<v Speaker 3>You want to make sure that these people are looking

0:42:06.440 --> 0:42:08.720
<v Speaker 3>after you. And it's not just like I chose James

0:42:08.719 --> 0:42:11.080
<v Speaker 3>because I had been looking for two years and I

0:42:11.120 --> 0:42:16.520
<v Speaker 3>was looking for someone who was passionate about investing the

0:42:16.560 --> 0:42:19.359
<v Speaker 3>way I was about budgeting and saving stuff like that,

0:42:19.440 --> 0:42:21.440
<v Speaker 3>you know. And what I loved about James is that

0:42:21.480 --> 0:42:25.040
<v Speaker 3>he was like he he could talk about investing all

0:42:25.120 --> 0:42:26.640
<v Speaker 3>day it's the point where I was like, James, I

0:42:26.640 --> 0:42:30.680
<v Speaker 3>gotta go home. And I love that because I was

0:42:30.719 --> 0:42:33.120
<v Speaker 3>like wow, because what that signified to me was that

0:42:33.480 --> 0:42:35.800
<v Speaker 3>James was going to do a good job because of James,

0:42:35.840 --> 0:42:36.919
<v Speaker 3>not because of anything else.

0:42:37.200 --> 0:42:39.440
<v Speaker 4>Because he loved it. You could tell that he loved it.

0:42:39.840 --> 0:42:42.040
<v Speaker 3>And it took me a long time to find someone

0:42:42.080 --> 0:42:44.600
<v Speaker 3>who was loving it like that, because you know, I

0:42:45.120 --> 0:42:46.840
<v Speaker 3>just wanted to make sure someone was going to do

0:42:46.960 --> 0:42:48.759
<v Speaker 3>right by me because it was just in them to

0:42:48.800 --> 0:42:49.279
<v Speaker 3>do that way.

0:42:49.520 --> 0:42:50.560
<v Speaker 4>So even like all of.

0:42:50.480 --> 0:42:54.640
<v Speaker 3>My financial like I have a money team, my accountain, Carlos,

0:42:54.640 --> 0:42:57.880
<v Speaker 3>same way, Carlos is like he loves some taxes. I'm like, Carlos,

0:42:57.920 --> 0:43:03.640
<v Speaker 3>nobody cares, but Carlos is like and then and so

0:43:03.760 --> 0:43:06.680
<v Speaker 3>my bookkeeper same way. She's awesome. She's like, Timmy, you're

0:43:06.680 --> 0:43:08.680
<v Speaker 3>spending this and you're doing that, and here's the trends.

0:43:09.000 --> 0:43:11.359
<v Speaker 3>And so if you're looking to build your money team,

0:43:11.440 --> 0:43:17.160
<v Speaker 3>your your financial advisor, your accountant, your bookkeeper, all of

0:43:17.200 --> 0:43:20.239
<v Speaker 3>these people, you want to make sure that they they

0:43:20.280 --> 0:43:22.359
<v Speaker 3>bring to the table what you're looking for. Like I said,

0:43:22.360 --> 0:43:25.080
<v Speaker 3>for me, I was looking for passionate about their specific

0:43:26.040 --> 0:43:26.840
<v Speaker 3>subject area.

0:43:27.320 --> 0:43:28.680
<v Speaker 4>And you know, but that might not be.

0:43:28.680 --> 0:43:30.440
<v Speaker 3>Something for you that's important. You might be looking for

0:43:30.440 --> 0:43:33.160
<v Speaker 3>something else. But build a money team and start early.

0:43:33.960 --> 0:43:36.719
<v Speaker 1>M it's like the new squad squad. Make this your

0:43:36.719 --> 0:43:40.839
<v Speaker 1>squad goals. Yeah, pretty models are cool, but they are

0:43:40.880 --> 0:43:42.280
<v Speaker 1>not going to do your taxes.

0:43:41.920 --> 0:43:44.040
<v Speaker 2>For you exactly or help you figure out how to

0:43:44.040 --> 0:43:47.120
<v Speaker 2>buy a house. So, Terran, I hope that helped answer

0:43:47.200 --> 0:43:50.399
<v Speaker 2>your bazillion questions. You're sneaky, like six quotions in this one,

0:43:51.040 --> 0:43:51.840
<v Speaker 2>and you ba.

0:43:51.680 --> 0:43:53.400
<v Speaker 3>Folks, don't try to be like Tarran, like I'm a

0:43:53.440 --> 0:43:56.880
<v Speaker 3>sneaking now. First question, So we let Terrence skate with

0:43:56.880 --> 0:43:57.239
<v Speaker 3>that one.

0:43:57.280 --> 0:44:00.759
<v Speaker 1>She had an extra one. I totally forgot. It's so many.

0:44:01.000 --> 0:44:03.239
<v Speaker 2>She said she's trying to buy a home and trying

0:44:03.239 --> 0:44:04.560
<v Speaker 2>to go back to school, and I don't know if

0:44:04.560 --> 0:44:07.640
<v Speaker 2>I can really afford to reduce my income. Well not

0:44:07.719 --> 0:44:09.399
<v Speaker 2>if you're planning on buying a home or going back

0:44:09.400 --> 0:44:09.840
<v Speaker 2>to school.

0:44:10.400 --> 0:44:12.000
<v Speaker 3>Actually, I have this, said you get a chance, Terrent.

0:44:12.040 --> 0:44:13.719
<v Speaker 3>I have this checklist. So I bought a home when

0:44:13.719 --> 0:44:16.480
<v Speaker 3>I was twenty five, and it was a big mistake.

0:44:16.600 --> 0:44:23.120
<v Speaker 3>You ever see pretty women, huge mistake, and there was

0:44:23.120 --> 0:44:25.520
<v Speaker 3>a there. I created a checklist if I wish what

0:44:25.600 --> 0:44:27.279
<v Speaker 3>people would have told me. So if you go to

0:44:27.280 --> 0:44:29.280
<v Speaker 3>the Budget East the blog and just type in home,

0:44:29.719 --> 0:44:32.439
<v Speaker 3>so there's like seven things like, Oh, I wish somebody

0:44:32.480 --> 0:44:34.400
<v Speaker 3>would told me that I should have made my mortgage

0:44:34.400 --> 0:44:37.319
<v Speaker 3>what I call rentable, for example, meaning that like if

0:44:37.320 --> 0:44:41.080
<v Speaker 3>I have to move out, then will will I be

0:44:41.160 --> 0:44:43.560
<v Speaker 3>able to rent this house out and cover my costs?

0:44:43.560 --> 0:44:45.120
<v Speaker 3>I didn't know that I was not able to.

0:44:45.320 --> 0:44:47.200
<v Speaker 2>Oh, I'm going to put that in the on the

0:44:47.320 --> 0:44:49.719
<v Speaker 2>blog post on this so you're listening now. This is

0:44:49.800 --> 0:44:52.120
<v Speaker 2>We'll put the link to Tiffany's blog post on mortgage

0:44:52.120 --> 0:44:55.160
<v Speaker 2>mistakes or buying a house mistakes. Yeah, so you can

0:44:55.160 --> 0:45:07.800
<v Speaker 2>click there. All I do was when when no matter

0:45:07.920 --> 0:45:11.399
<v Speaker 2>what we know, me on my mind and I really,

0:45:11.480 --> 0:45:12.200
<v Speaker 2>what has it going?

0:45:13.040 --> 0:45:14.839
<v Speaker 4>I'm like, you know what, it's terrible because I'm just

0:45:14.840 --> 0:45:15.400
<v Speaker 4>like wait and.

0:45:15.760 --> 0:45:22.120
<v Speaker 1>Letting him go up right, I said, really, older, right now?

0:45:22.719 --> 0:45:23.920
<v Speaker 1>What are you here listening to?

0:45:24.800 --> 0:45:25.120
<v Speaker 5>Oh?

0:45:25.280 --> 0:45:27.399
<v Speaker 4>So my win from the week. It's a blash from

0:45:27.440 --> 0:45:28.000
<v Speaker 4>the past.

0:45:28.200 --> 0:45:30.160
<v Speaker 3>We all get hit up every once in a while,

0:45:30.200 --> 0:45:33.400
<v Speaker 3>but by somebody we used to date before, and it's not.

0:45:33.280 --> 0:45:35.520
<v Speaker 4>Always pleasant, but mine actually was.

0:45:35.920 --> 0:45:38.320
<v Speaker 3>So my ex boyfriend hit me up just on Facebook

0:45:38.360 --> 0:45:40.520
<v Speaker 3>to say, Hey, Tiffany, you know I heard your podcast.

0:45:40.600 --> 0:45:42.560
<v Speaker 4>I'm so proud of you. I'm sure you heard this before.

0:45:43.000 --> 0:45:45.320
<v Speaker 4>And it's just so crazy because one of the reasons

0:45:45.320 --> 0:45:47.160
<v Speaker 4>why we broke up is because.

0:45:48.440 --> 0:45:50.640
<v Speaker 3>He wanted a more traditional type of girl, like I

0:45:50.640 --> 0:45:53.120
<v Speaker 3>broke up with him, but he wanted a more traditional

0:45:53.200 --> 0:45:54.880
<v Speaker 3>like at the time, I was a preschool teacher, and

0:45:54.920 --> 0:45:59.520
<v Speaker 3>it was very comfortable to have a preschool teacher girlfriend

0:45:59.560 --> 0:46:01.040
<v Speaker 3>slash you know, potential wife.

0:46:01.040 --> 0:46:03.640
<v Speaker 4>Like you go to work in the morning, you're done.

0:46:03.480 --> 0:46:06.400
<v Speaker 3>By three, you cook, you clean. I did all that

0:46:06.480 --> 0:46:09.120
<v Speaker 3>kind of stuff, but something in me wanted to do more.

0:46:09.480 --> 0:46:11.439
<v Speaker 3>And I didn't know what more was, but I knew

0:46:11.440 --> 0:46:13.799
<v Speaker 3>I wanted to do it. So I was trying out

0:46:13.880 --> 0:46:16.160
<v Speaker 3>all these different things, Like I would come home and cook,

0:46:17.000 --> 0:46:19.040
<v Speaker 3>but instead of hanging out and like watching TV with.

0:46:19.040 --> 0:46:22.080
<v Speaker 4>Him like I normally would, I would, you know, be on.

0:46:22.000 --> 0:46:24.640
<v Speaker 3>The computer or taking a class or trying to figure

0:46:24.680 --> 0:46:26.799
<v Speaker 3>out what this feeling was inside of me of the

0:46:26.840 --> 0:46:29.600
<v Speaker 3>more that I wanted to go after, and he came

0:46:29.640 --> 0:46:32.080
<v Speaker 3>to kind of resent it. He would never say, don't

0:46:32.080 --> 0:46:33.960
<v Speaker 3>do it, but it was like, you know, when you're

0:46:34.000 --> 0:46:35.480
<v Speaker 3>with someone for a long time, we were together for

0:46:35.520 --> 0:46:37.040
<v Speaker 3>like five or six years. You could feel it when

0:46:37.040 --> 0:46:39.960
<v Speaker 3>they're like, oh, here she goes again, you know, yeah,

0:46:40.560 --> 0:46:43.880
<v Speaker 3>And so after a while, I was just like, I

0:46:43.920 --> 0:46:46.319
<v Speaker 3>felt like I was holding myself back so he could

0:46:46.360 --> 0:46:46.920
<v Speaker 3>be okay.

0:46:47.440 --> 0:46:49.480
<v Speaker 4>And I was twenty six at the time, and I

0:46:49.520 --> 0:46:51.839
<v Speaker 4>was just like, yeah, I don't want to live like this.

0:46:51.840 --> 0:46:54.000
<v Speaker 3>Like because I thought to myself at twenty six, Tippany,

0:46:54.840 --> 0:46:56.359
<v Speaker 3>if your life is going to be like this at

0:46:56.360 --> 0:46:57.600
<v Speaker 3>thirty six, will you be happy?

0:46:57.640 --> 0:46:58.239
<v Speaker 4>And I said no.

0:46:58.560 --> 0:47:01.640
<v Speaker 3>Even though he was sweet, he was kind, he was loyal,

0:47:01.680 --> 0:47:04.560
<v Speaker 3>he was faithful, all of these great things. But I

0:47:04.640 --> 0:47:07.520
<v Speaker 3>knew that I would not be happy holding myself back

0:47:07.520 --> 0:47:08.359
<v Speaker 3>for the rest of my life.

0:47:08.360 --> 0:47:10.880
<v Speaker 4>And so we broke up. It was not an easy breakup.

0:47:10.920 --> 0:47:12.200
<v Speaker 4>He didn't take it that well.

0:47:12.360 --> 0:47:15.880
<v Speaker 3>And at one point I was really struggling, really struggling

0:47:15.920 --> 0:47:18.040
<v Speaker 3>after we broke up, like financially and every way. I

0:47:18.080 --> 0:47:21.040
<v Speaker 3>lost my job, I'd lost everything, and I remember, I

0:47:21.040 --> 0:47:23.120
<v Speaker 3>guess in a fit of anger, he like hit me

0:47:23.200 --> 0:47:25.520
<v Speaker 3>up one day and was like, oh, so you left

0:47:25.560 --> 0:47:27.000
<v Speaker 3>me because you thought you were going to have a

0:47:27.000 --> 0:47:28.879
<v Speaker 3>better life, but basically look at you now.

0:47:29.480 --> 0:47:33.920
<v Speaker 2>Oh, I breakup so ugly I know he brings out

0:47:33.960 --> 0:47:38.560
<v Speaker 2>the nesty and everybody.

0:47:36.719 --> 0:47:40.120
<v Speaker 4>I s, I clutched my pearls. I said, okay, thanks.

0:47:40.280 --> 0:47:42.279
<v Speaker 3>You know, I was already feeling low, but thank you

0:47:42.360 --> 0:47:46.080
<v Speaker 3>for pushing my face into the dirt. And you know,

0:47:46.880 --> 0:47:50.680
<v Speaker 3>since then, he's apologized for that. And then he said, today,

0:47:50.719 --> 0:47:53.680
<v Speaker 3>because I posted something on Facebook about being on tour

0:47:53.760 --> 0:47:57.400
<v Speaker 3>with like Brookshield and like and Martha Stewart, I did

0:47:57.440 --> 0:48:00.040
<v Speaker 3>just know your Value tour with MSNBC and Prudential and

0:48:00.360 --> 0:48:02.640
<v Speaker 3>like they were all speaking at the same tour, and

0:48:02.719 --> 0:48:05.560
<v Speaker 3>he said today, you know, it's so funny that, you know,

0:48:05.640 --> 0:48:08.560
<v Speaker 3>to watch you and watch you grow and see where

0:48:08.560 --> 0:48:08.960
<v Speaker 3>you are now.

0:48:09.000 --> 0:48:11.440
<v Speaker 4>He said, I guess you showed me. Huh. And I

0:48:11.600 --> 0:48:15.719
<v Speaker 4>was like, I guess I did. And it just felt

0:48:15.760 --> 0:48:17.440
<v Speaker 4>really good. And I was just thinking to myself, you

0:48:17.440 --> 0:48:20.279
<v Speaker 4>know what, this is what. I didn't know what the

0:48:20.360 --> 0:48:21.879
<v Speaker 4>more was, but this is it.

0:48:22.440 --> 0:48:24.719
<v Speaker 3>I could not articulate it when I was twenty six,

0:48:24.760 --> 0:48:26.799
<v Speaker 3>But now at thirty six, I'm living the life that

0:48:26.840 --> 0:48:28.840
<v Speaker 3>I wanted to live that I knew I could not

0:48:28.920 --> 0:48:31.480
<v Speaker 3>live with him, and not even in a you know,

0:48:31.800 --> 0:48:32.920
<v Speaker 3>I'm not bashing him anywhere.

0:48:32.960 --> 0:48:33.520
<v Speaker 4>He's a great guy.

0:48:33.600 --> 0:48:36.560
<v Speaker 3>You know, but we weren't a match. And now I'm

0:48:36.600 --> 0:48:38.600
<v Speaker 3>so glad he gets to honestly.

0:48:38.200 --> 0:48:41.000
<v Speaker 4>See that, like this is what Tiffany was talking about,

0:48:41.120 --> 0:48:42.640
<v Speaker 4>because I don't honestly, I'm sure.

0:48:42.480 --> 0:48:44.600
<v Speaker 3>He's looking at my life now and saying, yeah, I

0:48:44.640 --> 0:48:45.600
<v Speaker 3>don't want that in a wife.

0:48:47.560 --> 0:48:50.080
<v Speaker 1>He's quite grateful. That's great that he was big enough

0:48:50.160 --> 0:48:52.359
<v Speaker 1>to say that to you. That's a good win. I'm

0:48:52.360 --> 0:48:53.880
<v Speaker 1>making that one of your wins tonight.

0:48:53.960 --> 0:48:55.600
<v Speaker 4>Oh yes, no, that could definitely be my win. Yes,

0:48:55.640 --> 0:48:55.960
<v Speaker 4>oh yeah.

0:48:56.000 --> 0:48:57.960
<v Speaker 3>It just felt good to be like yes, because I

0:48:58.000 --> 0:49:00.200
<v Speaker 3>didn't want him to think that I just left, like

0:49:00.239 --> 0:49:01.239
<v Speaker 3>for no reason, because we.

0:49:01.200 --> 0:49:03.640
<v Speaker 4>Had such a great relationship, but it was just like.

0:49:03.680 --> 0:49:04.520
<v Speaker 1>Oh, I want more.

0:49:04.560 --> 0:49:05.800
<v Speaker 4>I don't know where more is. So he's like, so

0:49:05.880 --> 0:49:08.400
<v Speaker 4>you're leaving me for a vague feeling, and I'm like yeah, basically,

0:49:09.600 --> 0:49:10.200
<v Speaker 4>so yeah.

0:49:10.200 --> 0:49:12.360
<v Speaker 1>Gut feeling. Yeah it felt a little vague.

0:49:12.719 --> 0:49:15.120
<v Speaker 3>Yeah, so yeah, that's definitely my win. Like, oh, so

0:49:15.200 --> 0:49:16.920
<v Speaker 3>I guess she showed me. And I was like, you

0:49:16.960 --> 0:49:18.319
<v Speaker 3>know what, I guess I did.

0:49:20.600 --> 0:49:23.319
<v Speaker 1>Good for you, thanks, and good for him.

0:49:23.680 --> 0:49:24.480
<v Speaker 4>Yeah exactly.

0:49:24.840 --> 0:49:26.399
<v Speaker 3>You know, I'm not gonna say his name obviously, because

0:49:26.400 --> 0:49:28.320
<v Speaker 3>who knows his wife might listen. But it's not even

0:49:28.320 --> 0:49:30.879
<v Speaker 3>like that. Wife, if you're listening, we don't want each other.

0:49:31.000 --> 0:49:33.640
<v Speaker 3>I am so good with Superman. He sounded really well.

0:49:33.640 --> 0:49:34.840
<v Speaker 3>I don't speak to him, but it was just a

0:49:34.880 --> 0:49:39.640
<v Speaker 3>Facebook quick message. He sounded really happy with you. So congratulations,

0:49:39.680 --> 0:49:41.320
<v Speaker 3>everybody's happy. Everybody's winning.

0:49:41.600 --> 0:50:05.719
<v Speaker 6>Yeah, okay, oh my win.

0:50:05.760 --> 0:50:06.239
<v Speaker 4>I got it.

0:50:06.280 --> 0:50:07.239
<v Speaker 1>I got it. I remember now.

0:50:07.440 --> 0:50:12.480
<v Speaker 2>So Tanahase Coates, who is the macarthurs genius. He's won

0:50:13.040 --> 0:50:16.560
<v Speaker 2>so much a praise for his book Between the World

0:50:16.640 --> 0:50:18.400
<v Speaker 2>and Me, which came out earlier this year. He's a

0:50:18.400 --> 0:50:21.520
<v Speaker 2>brilliant writer. He's a I think he's a national correspondent

0:50:21.520 --> 0:50:25.280
<v Speaker 2>for The Atlantic, and he was recently awarded the National

0:50:25.280 --> 0:50:28.200
<v Speaker 2>Book Award, which is like kind of close.

0:50:28.000 --> 0:50:28.600
<v Speaker 1>To a Pulitzer.

0:50:28.640 --> 0:50:30.719
<v Speaker 2>Okay, it's a big deal, and you want it for

0:50:30.800 --> 0:50:32.400
<v Speaker 2>the book Between the World and Me. And if you're

0:50:32.400 --> 0:50:34.920
<v Speaker 2>not familiar with Tanahase, first of all, get familiar. You

0:50:35.000 --> 0:50:37.600
<v Speaker 2>must go read everything he's written. He's becoming he's like

0:50:37.640 --> 0:50:40.680
<v Speaker 2>one of the foremost writers on race in America today

0:50:41.160 --> 0:50:45.680
<v Speaker 2>and his book is written. It's influenced by James Baldwin,

0:50:45.880 --> 0:50:48.640
<v Speaker 2>who is an author you should also read. But he

0:50:48.680 --> 0:50:51.799
<v Speaker 2>basically writes a story as if he's talking to his

0:50:51.800 --> 0:50:54.719
<v Speaker 2>teenage son, which he has a teenage son, and basically

0:50:54.760 --> 0:50:56.719
<v Speaker 2>telling him what it's like to be a black man

0:50:56.719 --> 0:51:01.000
<v Speaker 2>in America today. And the book was inspirired by his

0:51:01.160 --> 0:51:04.360
<v Speaker 2>friend who he met when he was at Howard University,

0:51:04.719 --> 0:51:07.719
<v Speaker 2>I think in the early two thousands. His friend one

0:51:07.800 --> 0:51:11.839
<v Speaker 2>day was mistaken for a criminal, a plane clothes cop

0:51:11.920 --> 0:51:15.319
<v Speaker 2>I believe officer followed him home and just proceeded to

0:51:15.320 --> 0:51:18.600
<v Speaker 2>shoot him dead in the street without a warrant, without

0:51:18.600 --> 0:51:21.320
<v Speaker 2>any probable cause. This guy was mistaken for a criminal.

0:51:21.920 --> 0:51:25.120
<v Speaker 2>His name is Prince Jones. And when Tanahase Codes got

0:51:25.200 --> 0:51:27.759
<v Speaker 2>up to give his acceptance a acceptance speech of the

0:51:27.840 --> 0:51:30.719
<v Speaker 2>National Book Awards, he gave really the amazing speech. It's

0:51:30.760 --> 0:51:33.040
<v Speaker 2>only five minutes long. You should go watch it. I'm

0:51:33.040 --> 0:51:35.279
<v Speaker 2>gonna put a link again on the blog post on

0:51:35.400 --> 0:51:38.640
<v Speaker 2>Brown Ambition podcast dot Com to the post. But I

0:51:38.640 --> 0:51:41.480
<v Speaker 2>wanted to read a quick quote. Actually I might just

0:51:41.520 --> 0:51:42.960
<v Speaker 2>play it. Let me see if I can play it.

0:51:44.000 --> 0:51:46.279
<v Speaker 2>But basically he says, I've waited fifteen years for this

0:51:46.440 --> 0:51:49.960
<v Speaker 2>moment because when Prince Jones died, there were no cameras.

0:51:50.200 --> 0:51:54.160
<v Speaker 2>Nobody else was looking and Tanahasei says, I can't secure

0:51:54.200 --> 0:51:56.160
<v Speaker 2>the safety of my son, but what I do have

0:51:56.239 --> 0:51:58.279
<v Speaker 2>the power to do is say, you won't enroll me

0:51:58.360 --> 0:52:00.879
<v Speaker 2>in this lie. You won't make me part of it.

0:52:01.280 --> 0:52:03.399
<v Speaker 2>And the lie he's referring to, which he mentions earlier

0:52:03.440 --> 0:52:05.960
<v Speaker 2>in your speech, is just the idea that because you're

0:52:06.040 --> 0:52:09.000
<v Speaker 2>black and you live in America, that you are predisposed

0:52:09.040 --> 0:52:12.560
<v Speaker 2>to crime and that you deserve to be treated to

0:52:12.560 --> 0:52:14.480
<v Speaker 2>be brutalized. And he sort of like did a quick

0:52:14.560 --> 0:52:16.799
<v Speaker 2>run through of all the you know, the young girl

0:52:16.840 --> 0:52:20.239
<v Speaker 2>who was flipped through her desk chair in that classroom,

0:52:20.360 --> 0:52:25.520
<v Speaker 2>to mere Rice, Michael Brown, all these Freddie Freddie Gray,

0:52:26.440 --> 0:52:29.440
<v Speaker 2>and he's I feel like it was really like a

0:52:29.480 --> 0:52:33.320
<v Speaker 2>moment of vindication for him because his friend got no justice.

0:52:33.400 --> 0:52:35.960
<v Speaker 2>There were no cameras, Like he said. He says that

0:52:36.040 --> 0:52:38.320
<v Speaker 2>the cop, and he writes about in the book, the

0:52:38.320 --> 0:52:41.920
<v Speaker 2>whole story, it's harrowing. He talks to Prince's mother, but

0:52:42.000 --> 0:52:45.680
<v Speaker 2>the cop who killed him, there was no trial. He

0:52:45.719 --> 0:52:48.239
<v Speaker 2>wasn't convicted of anything. In fact, he went back on

0:52:48.280 --> 0:52:51.279
<v Speaker 2>the streets to become a cop, and he had all

0:52:51.280 --> 0:52:54.920
<v Speaker 2>these prior complaints against him. So I'm just excited that

0:52:54.960 --> 0:52:59.759
<v Speaker 2>Tanahasi is getting his due yes for being brilliant. And

0:52:59.800 --> 0:53:01.200
<v Speaker 2>if you haven't read his book, go ahead, and you know,

0:53:01.239 --> 0:53:04.080
<v Speaker 2>it's kind of heavy, but I think it's worth reading.

0:53:04.840 --> 0:53:05.239
<v Speaker 1>I'm sorry.

0:53:05.200 --> 0:53:07.200
<v Speaker 3>We're usually supposed to end on a win that we're like, ah,

0:53:07.320 --> 0:53:08.359
<v Speaker 3>we're ending on a lot.

0:53:08.800 --> 0:53:09.600
<v Speaker 1>I'm sorry.

0:53:09.960 --> 0:53:12.319
<v Speaker 2>Well, Kana Assie, he's such a you know, he's sort

0:53:12.320 --> 0:53:14.840
<v Speaker 2>of an anti hero in the literary world, in the

0:53:14.960 --> 0:53:18.080
<v Speaker 2>in the whole Black America, the whole you know, black

0:53:18.120 --> 0:53:19.000
<v Speaker 2>Lives Matter movement.

0:53:19.040 --> 0:53:20.480
<v Speaker 1>He is sort of an anti hero and that he.

0:53:21.000 --> 0:53:24.160
<v Speaker 2>Refuses to say it's all going to be okay, And

0:53:24.239 --> 0:53:25.720
<v Speaker 2>so I think that's a win in and of itself,

0:53:25.760 --> 0:53:27.640
<v Speaker 2>you know, And I'm glad he's getting the props because

0:53:27.760 --> 0:53:29.600
<v Speaker 2>he has, you know, he tries to deny that he's

0:53:29.640 --> 0:53:32.680
<v Speaker 2>like this public intellectual figure, you know, but he honestly

0:53:32.760 --> 0:53:36.400
<v Speaker 2>has brought so much, so much of a spotlight to

0:53:36.920 --> 0:53:39.960
<v Speaker 2>issues that maybe wouldn't have been addressed otherwise, and such

0:53:40.000 --> 0:53:43.200
<v Speaker 2>a really intelligent voice. So I'm grateful to him, and

0:53:43.239 --> 0:53:45.440
<v Speaker 2>I think that is a win.

0:53:46.160 --> 0:53:47.280
<v Speaker 1>So thanks so much for listening.

0:53:47.280 --> 0:53:47.520
<v Speaker 4>Guys.

0:53:47.520 --> 0:53:49.120
<v Speaker 2>If you want to get in touch with us, you

0:53:49.160 --> 0:53:52.640
<v Speaker 2>can email us at Brown Ambition Podcast at gmail dot com.

0:53:52.800 --> 0:53:54.560
<v Speaker 3>You can go to Facebook and find us at the

0:53:54.560 --> 0:53:57.120
<v Speaker 3>Brown Ambition and Brown Ambition not the Just.

0:53:57.760 --> 0:54:01.800
<v Speaker 4>Brown Ambition Again b A podcast on.

0:54:01.600 --> 0:54:04.480
<v Speaker 2>Twitter the b A podcast. Yes, that's when we get

0:54:04.480 --> 0:54:06.120
<v Speaker 2>tripped up because the's a V in the Twitter name.

0:54:06.960 --> 0:54:10.520
<v Speaker 4>Oh yeah, yeah, I guess so. But people haven't tweeting.

0:54:10.320 --> 0:54:10.880
<v Speaker 1>Us like I love it.

0:54:10.920 --> 0:54:14.719
<v Speaker 2>I'm like dads and emailing. The questions have been streaming in.

0:54:14.800 --> 0:54:16.680
<v Speaker 2>We love the questions. We have a couple lined up

0:54:16.719 --> 0:54:20.000
<v Speaker 2>for next week. So definitely email us your questions. You

0:54:20.040 --> 0:54:22.760
<v Speaker 2>can tweet us your questions, tweet us your brown breaks,

0:54:23.080 --> 0:54:25.799
<v Speaker 2>your wins, whatever you want. And definitely join the group

0:54:25.840 --> 0:54:28.319
<v Speaker 2>on Facebook because it is over five hundred people right

0:54:28.360 --> 0:54:30.360
<v Speaker 2>now and it's just so much fun. We share all

0:54:30.480 --> 0:54:33.200
<v Speaker 2>all our favorite links there and it just brings some

0:54:33.320 --> 0:54:36.120
<v Speaker 2>like extra extra goodness when you're when you're missing your

0:54:36.120 --> 0:54:37.800
<v Speaker 2>Brown Ambition fix exactly.

0:54:38.040 --> 0:54:41.839
<v Speaker 4>You know you love us, You know you us, I

0:54:41.920 --> 0:54:45.040
<v Speaker 4>love you too. All right, Well, enjoy your Turkey day,

0:54:45.120 --> 0:54:46.320
<v Speaker 4>Joy Thanksgiving.

0:54:45.880 --> 0:54:48.280
<v Speaker 1>Me, Happy Thanksgiving, you too, have fun eating.

0:54:48.560 --> 0:54:50.480
<v Speaker 4>Pray for me you too.

0:54:50.760 --> 0:55:04.080
<v Speaker 2>Okay, bye bye bye bye