WEBVTT - Ep 229 - When It Comes to Wealth-Building, Don't Settle

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<v Speaker 1>Hey, Hey, hey guys, It's me Tiffany and it's Mando.

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<v Speaker 1>We just want to say thank you guys. You guys

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<v Speaker 1>are amazing thanks to you. Since we started our podcast,

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<v Speaker 1>it was just me and Mandy listening to ourselves to

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<v Speaker 1>now we get over one hundred thousand downloads a month,

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<v Speaker 1>and I know it seems like that's awesome, but we

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<v Speaker 1>can do even better. And we have a favorite.

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<v Speaker 2>Ass just a tiny favor if you could please share

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<v Speaker 2>our show, share it on your social media. You can

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<v Speaker 2>tag us at Brown Ambition Podcast. Take a screenshot of

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<v Speaker 2>on Insta, on Facebook, tell a friend to tell a friend.

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<v Speaker 2>You can tag us on social media. We're at Brown

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<v Speaker 2>Ambition Podcast on Insta, at the BA Podcast on Twitter,

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<v Speaker 2>under Brown Ambition. Don't forget to tag our personal handles too.

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<v Speaker 2>On Insta. I'm at Mandy Money, Mandy with an Eye,

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<v Speaker 2>and Tiffany is at the Budget Nista. When you tag us,

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<v Speaker 2>we will share your post and help amplify it. Even

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<v Speaker 2>for thank y'all for all the love. This is just

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<v Speaker 2>gonna help us give us that little extra brown Boost.

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<v Speaker 1>Hey, Hey, Hey, we're back. We're black, We're brown and

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<v Speaker 1>bit shan. Hey, Mando, do I sound like I'm in

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<v Speaker 1>a different background, Mandy?

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<v Speaker 3>You know?

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<v Speaker 2>No, I mean, are you on the beach or somewhere.

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<v Speaker 2>Are you in some form of paradise that I will

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<v Speaker 2>be jealous of?

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<v Speaker 4>No?

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<v Speaker 1>Well, I mean kind of. I'm in my designer, her office,

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<v Speaker 1>Rihanna of remain home because my internet is trash. The

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<v Speaker 1>storm left me. The storm we had last week left me,

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<v Speaker 1>I don't know, just without a strong internet home. And

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<v Speaker 1>so she's housing me. So I'm in her office right now.

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<v Speaker 1>Her office is everything in a bag of chips. So

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<v Speaker 1>I'm not gonna lie. I'm not mad at it. So

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<v Speaker 1>I like being here. So I live here now.

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<v Speaker 2>Well, that's nice that you have someone close by you

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<v Speaker 2>can go to. Yeah. That storm that came through just

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<v Speaker 2>like knocked everyone on the East Coast power out except

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<v Speaker 2>for my street. We felt really good about ourselves because

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<v Speaker 2>we were the only street in our entire neighborhood slash

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<v Speaker 2>county that seemed like it didn't lose power. And it

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<v Speaker 2>was the same week, like last week, I was going

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<v Speaker 2>to get my first haircut in nearly a year, and

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<v Speaker 2>then also my first head shots and nearly when did

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<v Speaker 2>you and I do our headshots for the show five

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<v Speaker 2>years ago? And of course both of the people who

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<v Speaker 2>were doing you know, those services, their power went out

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<v Speaker 2>and I had to reschedule and all this. But and

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<v Speaker 2>then a little did we like on Friday we lost

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<v Speaker 2>power while they were fixing whatever, we lost power, and I,

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<v Speaker 2>you know, it screwed my whole day up. But I

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<v Speaker 2>just feel like lack of internet should be a crime. Yay,

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<v Speaker 2>it should just but I'm glad that you have a refuge. Okay,

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<v Speaker 2>we've got like weather, it cannot be what we start

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<v Speaker 2>talking about. We have got to talk about Kamalama.

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<v Speaker 1>I was gonna say, yes, that's how do you feel?

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<v Speaker 1>I feel both excited but that also scared because I'm like,

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<v Speaker 1>oh God, like, are people gonna, you know, like, are

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<v Speaker 1>people going to vote like for a black woman? I mean,

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<v Speaker 1>I know they're voting for US president, you know, but

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<v Speaker 1>meaning that is that going to be a reason where

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<v Speaker 1>people say nah? You know, because honestly, I don't know

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<v Speaker 1>I could take four more years. I don't know if

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<v Speaker 1>this country could take four more years of this trash.

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<v Speaker 1>So that's the only guy. I was both excited but

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<v Speaker 1>like I said, also really a little bit worried.

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<v Speaker 2>Yeah, I think the emotions everyone is feeling because it's

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<v Speaker 2>this news came out, you know, maybe a couple of

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<v Speaker 2>hours ago, and I immediately got on Twitter, and it

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<v Speaker 2>was just a fireball of emotions and so many emotions,

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<v Speaker 2>and you know, you get caught up your My initial

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<v Speaker 2>reaction was, I truly felt this sense of relief and

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<v Speaker 2>fear that someone will ruin us for us. It's very

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<v Speaker 2>odd and I'm struggling. I'm not the kind of person

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<v Speaker 2>I usually avoid Twitter because I am afraid that my

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<v Speaker 2>hot takee will get me in trouble, as it has

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<v Speaker 2>given has gotten so many other folks in trouble, And

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<v Speaker 2>I like think a lot slower about some things. But

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<v Speaker 2>I'll try to, you know, I'll try to put a

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<v Speaker 2>name to what I'm feeling. And I guess it's I'm

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<v Speaker 2>super optimistic. I'm so freaking happy that Biden picked a

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<v Speaker 2>woman of color, and such a qualified woman of color

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<v Speaker 2>at that. Kamala Harris is everything that I think conservatives

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<v Speaker 2>are freaking are terrified of. She is strong, she is ambitious,

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<v Speaker 2>and I mean none of these in a negative way.

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<v Speaker 2>She has for me come from such a diverse background

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<v Speaker 2>that I believe she has exactly what it takes and

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<v Speaker 2>those the ability to empathize with people from various backgrounds

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<v Speaker 2>is just something we have sorely been lacking in our

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<v Speaker 2>administration for so long. She stood up to Biden himself,

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<v Speaker 2>and she is known for eviscerating people. You know, her

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<v Speaker 2>back around in law is just you know, Goes is storied,

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<v Speaker 2>and she is known for her ability to use words,

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<v Speaker 2>you know, and use people's actions and really just like

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<v Speaker 2>call you know, speak truth to power. And we saw

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<v Speaker 2>that happen during the debate when she called Biden out

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<v Speaker 2>for his lack of support around bussing what was it

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<v Speaker 2>back in the seventies, sixties, seventies when she was a

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<v Speaker 2>young girl, and that, you know, I immediately thought of

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<v Speaker 2>that when when he when he made the announcement, because

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<v Speaker 2>you know the fact that he could get over himself.

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<v Speaker 2>You know, can you imagine Trump ever like lifting up

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<v Speaker 2>a woman, let alone a woman who deigned to speak

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<v Speaker 2>against anything he had done in the past. But Biden

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<v Speaker 2>no right. So Biden at least could get over himself

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<v Speaker 2>enough to say, you know, forget about this you know

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<v Speaker 2>this sick burn that you levied against me in the debate.

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<v Speaker 2>You're someone that I can learn from who won't be

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<v Speaker 2>afraid to challenge me. And I'm just putting words into

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<v Speaker 2>his mouth, but I imagine all this must have gone

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<v Speaker 2>through his head and I want to rock with you

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<v Speaker 2>and I I'm free. I mean, her nomination is historic,

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<v Speaker 2>yeah it is. But if she's elected first black VP,

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<v Speaker 2>first Asian American VP because her mother was of Indian

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<v Speaker 2>descent and her father I think was from Jamaica, first

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<v Speaker 2>woman VP, like oh, I just I mean, I and

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<v Speaker 2>the fear I feel is just like, please don't dig

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<v Speaker 2>this from I was like, I want to be hopeful

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<v Speaker 2>and I want to you know, I want to believe

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<v Speaker 2>that I have to believe. I guess now that America

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<v Speaker 2>wants someone like this in office. We have got to

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<v Speaker 2>come out, you guys and vote. You've got to, you know,

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<v Speaker 2>come out or vote or mail or whatever.

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<v Speaker 3>You know.

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<v Speaker 1>Yes, even though they're trying to defund the UH.

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<v Speaker 2>I just it's kind of terrifying.

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<v Speaker 1>It is. I just it's like someone I was watching

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<v Speaker 1>like this, like I don't know, some some Instagram like

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<v Speaker 1>video and it was like it was supposed to be funny,

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<v Speaker 1>but it was also terrifying. And like this guy was

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<v Speaker 1>pretending that his friend woke up from a coma and

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<v Speaker 1>he was explaining to him how twenty twenty was going,

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<v Speaker 1>and it sounded so crazy.

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<v Speaker 4>When did he go into the koma like before, like

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<v Speaker 4>you know, like like two years prior or whatever, But like,

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<v Speaker 4>so can you imagine someone waking up and being like

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<v Speaker 4>and then we can't go outside this quarantine.

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<v Speaker 1>Here's a virus going on, it's killing people. People are

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<v Speaker 1>fighting to go outside anywhere, Like can you just imagine all?

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<v Speaker 1>But it just sounded so crazy. So yeah, I just

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<v Speaker 1>I'm trying to temper my hope because I was hopeful

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<v Speaker 1>last time and we see where that got us. So yeah,

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<v Speaker 1>it's just but it's at the very least it was

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<v Speaker 1>very this. You know, we're celebary. That was going to

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<v Speaker 1>be actually my wien for today, like Colala Camela, Camela,

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<v Speaker 1>and I.

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<v Speaker 2>Can't wait till the end of the show to talk

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<v Speaker 2>about this. What I mean, I get it. You know,

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<v Speaker 2>there may be whenever you said hope, I thought about

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<v Speaker 2>memoir the audacity of Hope, and I have I you know,

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<v Speaker 2>it's just I don't know what it's been. Maybe it's

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<v Speaker 2>because the world is so dark and everyone is so

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<v Speaker 2>cynical lately, but I have felt more hopeful and optimistic.

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<v Speaker 2>Or maybe I just survived that crazy few months at

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<v Speaker 2>the beginning of the year with the newborn, and I'm

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<v Speaker 2>just like, nothing can kill me, you know, I can

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<v Speaker 2>do anything. I choose optimism, I choose hope. I think

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<v Speaker 2>it really is a choice. And I don't not saying

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<v Speaker 2>that if that's not where you're at right now, not

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<v Speaker 2>you personally, but anyone listening. If today is not the

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<v Speaker 2>day when you can feel optimistic and hopeful, and that's okay.

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<v Speaker 2>But lately I've just felt this. I've felt grateful in

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<v Speaker 2>a lot of ways for the changes that I've seen

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<v Speaker 2>the last few months in our country, the way that

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<v Speaker 2>we're talking about systemic racism, the seismic shift I think

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<v Speaker 2>in those conversations, the fact that my mother for my

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<v Speaker 2>birthday got me a gift card to a black owned

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<v Speaker 2>business out of Chicago, owned by a black woman called Glamorina.

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<v Speaker 2>And is it Chicago now now I'm not sure, but anyway,

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<v Speaker 2>it's called Glamorina. Like my mom did that, she went

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<v Speaker 2>out of her own way to find a business owned

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<v Speaker 2>by a black woman, because she knew that was would

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<v Speaker 2>be meaningful to me, Like who is my mother? My

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<v Speaker 2>mother voted for and I know she listens to the

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<v Speaker 2>first of all, she also listens to the show. Now

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<v Speaker 2>also another change, and she listens to it and doesn't

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<v Speaker 2>like get angry. I think at what she hears, you know,

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<v Speaker 2>when she's she voted for Trump in twenty sixteen, and

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<v Speaker 2>I choose to you know, I think that I have examples,

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<v Speaker 2>you know, just too many little, too many little signs

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<v Speaker 2>that the weather is shifting, that there is a change coming,

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<v Speaker 2>and you know, I hate I mean, it would destroy me,

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<v Speaker 2>devastate me, I think, maybe even more than the first

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<v Speaker 2>time around, if he who must not be named were

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<v Speaker 2>to win this election again. But I can at least

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<v Speaker 2>say change, Like, there has been good that has come

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<v Speaker 2>out of this last four years. There has been great

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<v Speaker 2>there have been great moments, there have been conversations that

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<v Speaker 2>never would have happened. There's been you know, for all

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<v Speaker 2>of the devastation that he has wrought, I think that

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<v Speaker 2>there has been there has been goodness. And that's just

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<v Speaker 2>kind of what I'm trying to focus on. And I

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<v Speaker 2>think we and whatever you need to hear. I just

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<v Speaker 2>want to like motivate anyone to you know, just try

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<v Speaker 2>to be hopeful and encourage people that you know who

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<v Speaker 2>are cynical to who don't think their votes count, or

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<v Speaker 2>who yes, they absolutely do, or people who don't think

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<v Speaker 2>that there's a point in voting because oh, Trump's just

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<v Speaker 2>going to win. Like we can't. We can't let those

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<v Speaker 2>thoughts get in the way. Just choose hope, because I

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<v Speaker 2>think that that is what it's going to take. It

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<v Speaker 2>will be a tight race. I'd be shocked if it weren't.

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<v Speaker 2>Every vote is going to count. There's too much on

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<v Speaker 2>the line. That's how I feel here. I mean, not you,

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<v Speaker 2>I'm just imagining.

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<v Speaker 1>I'm usually Sydney, and I'm not like saying I guess

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<v Speaker 1>I'm just like just the emotion of it all. I'm like,

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<v Speaker 1>I'm just gonna I'm just gonna live somewhere in the

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<v Speaker 1>middle so I can manage my emotions. But no, no,

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<v Speaker 1>but I can understand honestly, to your point, the the

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<v Speaker 1>fact that Black Lives Matter has become quote unquote mainstream

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<v Speaker 1>is like tremendous enough. Like Patrice, one of the Black

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<v Speaker 1>Lives Matter founders and she I remember when she came

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<v Speaker 1>up with her book. I actually went with her to Sydney

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<v Speaker 1>when she got well, when Black Lives Matter got the

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<v Speaker 1>Sydney Peace Prize, and so she came to represent the

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<v Speaker 1>organization and I went with her because Drina was one

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<v Speaker 1>of her clients. So we went and she's just awesome.

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<v Speaker 1>But I remember her book was literally called when they

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<v Speaker 1>call you a terrorist, Like that's that's that's like where

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<v Speaker 1>Black Lives Matter were was just a few years ago,

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<v Speaker 1>and now it's like this mainstream thing that that companies

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<v Speaker 1>are like posting, you know much the disagree and of

0:11:59.240 --> 0:12:02.400
<v Speaker 1>you know, of certain people. But I just think that,

0:12:02.520 --> 0:12:04.800
<v Speaker 1>like to your point, there's definitely a shift that we're

0:12:04.840 --> 0:12:10.680
<v Speaker 1>seeing and feeling, and I just pray that the shift continues, Yeah,

0:12:10.720 --> 0:12:15.640
<v Speaker 1>because honestly, we need something because this ain't it. This

0:12:15.920 --> 0:12:20.040
<v Speaker 1>ain't it? Other than that, what else is happening in

0:12:20.080 --> 0:12:20.520
<v Speaker 1>your life?

0:12:21.120 --> 0:12:23.560
<v Speaker 2>Oh other than that? Well, we had a huge response

0:12:23.600 --> 0:12:26.680
<v Speaker 2>to our last episode where we had Christina and Aman

0:12:26.800 --> 0:12:29.440
<v Speaker 2>from our Rich Journey, the YouTube channel that you need

0:12:29.480 --> 0:12:32.800
<v Speaker 2>to put into your rotation if you have been asleep

0:12:32.960 --> 0:12:35.280
<v Speaker 2>all this time and aren't aware of them. We had

0:12:35.280 --> 0:12:37.800
<v Speaker 2>a huge response. People love them, and I feel like

0:12:37.800 --> 0:12:39.439
<v Speaker 2>we had a lot of new fans too, maybe who

0:12:39.520 --> 0:12:41.720
<v Speaker 2>listened to who watched their show but hadn't heard of

0:12:41.720 --> 0:12:45.640
<v Speaker 2>our podcast. That was a great conversation. I'm still feeling,

0:12:46.320 --> 0:12:49.800
<v Speaker 2>you know, actually discovering their channel. And then that led

0:12:49.840 --> 0:12:54.800
<v Speaker 2>me down this like beautiful rabbit hole of other Brown

0:12:54.920 --> 0:12:56.760
<v Speaker 2>voices on YouTube. There's not a lot of but there

0:12:56.800 --> 0:13:00.360
<v Speaker 2>we're out there sharing wealth building strategies, and I got

0:13:00.440 --> 0:13:03.520
<v Speaker 2>I started to feel more optimistic watching them and watching others,

0:13:03.520 --> 0:13:05.480
<v Speaker 2>and it just felt like the right time to have

0:13:06.280 --> 0:13:09.600
<v Speaker 2>their voices on our show. How did you feel about

0:13:10.080 --> 0:13:12.080
<v Speaker 2>our Rich Journey folks? And I actually want to get

0:13:12.120 --> 0:13:14.160
<v Speaker 2>to some listeners responses.

0:13:14.000 --> 0:13:16.160
<v Speaker 1>No, I thought I was mad that my internet was

0:13:16.200 --> 0:13:18.840
<v Speaker 1>like nothaky for you, Tippy, I was like, ah, but

0:13:19.600 --> 0:13:21.920
<v Speaker 1>I will say that they were really inspiring. You know

0:13:21.960 --> 0:13:25.280
<v Speaker 1>what really struck me most about a Moan and his

0:13:25.320 --> 0:13:29.160
<v Speaker 1>wife Christina is that there was a sense of peace

0:13:29.280 --> 0:13:33.680
<v Speaker 1>and joy that I felt that it wasn't all see

0:13:33.760 --> 0:13:38.240
<v Speaker 1>look right on cue Rio's like joy.

0:13:38.160 --> 0:13:41.400
<v Speaker 2>I love my little joy nugget. Seriously, He's making up

0:13:41.400 --> 0:13:45.400
<v Speaker 2>for all the pain and exhaustion.

0:13:45.520 --> 0:13:49.160
<v Speaker 1>Right, So that's I think That's what actually moved me

0:13:49.240 --> 0:13:52.679
<v Speaker 1>the most. The financial component. Obviously that was like super

0:13:53.000 --> 0:13:56.160
<v Speaker 1>like you know, inspirational and things like that, but lots

0:13:56.200 --> 0:13:59.480
<v Speaker 1>of people get to have money. What they have is

0:13:59.559 --> 0:14:03.120
<v Speaker 1>greater than money. They have wealth, like true wealth. They

0:14:03.160 --> 0:14:06.280
<v Speaker 1>seem healthy, they seem happy, they seem whole. It resonates

0:14:06.320 --> 0:14:09.320
<v Speaker 1>with them in their videos, It resonates with them like

0:14:09.800 --> 0:14:13.920
<v Speaker 1>just like from conversation. It just I felt it from them,

0:14:13.920 --> 0:14:16.480
<v Speaker 1>and I was just like, wow, like I want to

0:14:16.520 --> 0:14:18.960
<v Speaker 1>reach that level of like not that I'm not joyful,

0:14:19.000 --> 0:14:21.200
<v Speaker 1>but there was a level of peace. Y'all know, I'll

0:14:21.200 --> 0:14:24.480
<v Speaker 1>be stressed down and anxious by everything. So there was

0:14:24.520 --> 0:14:26.240
<v Speaker 1>a level of peace, and I was like, I want

0:14:26.280 --> 0:14:28.360
<v Speaker 1>some of that. That seems real cute.

0:14:29.400 --> 0:14:31.160
<v Speaker 2>Thanks for putting a name to that. That's what I

0:14:31.200 --> 0:14:33.760
<v Speaker 2>felt there was. There was something magnetic about them, and

0:14:33.800 --> 0:14:36.720
<v Speaker 2>maybe yeah, it is that. It's that sense of there's

0:14:36.760 --> 0:14:40.320
<v Speaker 2>no bullshit there. It's just two happy people and not

0:14:40.400 --> 0:14:44.080
<v Speaker 2>just happy with their wealth and their financially secure security

0:14:44.080 --> 0:14:47.280
<v Speaker 2>and financial security and god, I can't talk either, but

0:14:47.560 --> 0:14:51.400
<v Speaker 2>their relationship, I mean, twenty years together. I continue to

0:14:51.440 --> 0:14:53.360
<v Speaker 2>I have to stop comparing my marriage to every other

0:14:53.400 --> 0:14:56.360
<v Speaker 2>marriage out there because immediately I'm like, well, men, Enrique,

0:14:56.440 --> 0:14:58.000
<v Speaker 2>we can't sit down and talk about money, like we

0:14:58.040 --> 0:14:59.880
<v Speaker 2>still end up fighting about it. We can't even agree

0:14:59.880 --> 0:15:02.280
<v Speaker 2>on like what to order for dinner sometimes. But like

0:15:02.320 --> 0:15:04.200
<v Speaker 2>they've had twenty years together and you can tell that

0:15:04.280 --> 0:15:07.920
<v Speaker 2>they've they they have such a mature relationship, matures respect

0:15:07.960 --> 0:15:10.840
<v Speaker 2>for each other. They i mean, their daughters if you

0:15:10.840 --> 0:15:13.320
<v Speaker 2>haven't checked out, there are Rich Journey Junior channel. I

0:15:13.520 --> 0:15:17.200
<v Speaker 2>think that's also a really that their daughters are amazing too. Yeah,

0:15:17.240 --> 0:15:19.680
<v Speaker 2>it's just it's a and it's a positive voice out there.

0:15:19.720 --> 0:15:22.880
<v Speaker 2>It's a positive voice out there that is saying you

0:15:23.000 --> 0:15:26.080
<v Speaker 2>can do this too, Like we got here and we

0:15:26.120 --> 0:15:29.600
<v Speaker 2>are generously going to share, you know, our strategies, and

0:15:30.000 --> 0:15:32.040
<v Speaker 2>there's nothing in it for them. I mean, yes, of course,

0:15:32.120 --> 0:15:34.360
<v Speaker 2>like any other popular YouTube channel, they have ads and

0:15:34.360 --> 0:15:36.840
<v Speaker 2>they have affiliates and all that jazz, but that's not

0:15:36.880 --> 0:15:40.200
<v Speaker 2>where they came from with it. And and you know

0:15:40.320 --> 0:15:42.600
<v Speaker 2>that is what I'm choosing to. There's so many options

0:15:42.600 --> 0:15:47.080
<v Speaker 2>we have to you know, screen like shows we can

0:15:47.160 --> 0:15:49.560
<v Speaker 2>watch and content we can consume, and so little time

0:15:49.600 --> 0:15:52.560
<v Speaker 2>to do it all. But you know, I'm I'm trying

0:15:52.600 --> 0:15:56.120
<v Speaker 2>to choose more voices like theirs to fill my you know,

0:15:56.920 --> 0:16:00.720
<v Speaker 2>brainwth or whatever, fill my world with because I feel

0:16:00.800 --> 0:16:03.720
<v Speaker 2>good watching watching them talk about even things that already

0:16:03.720 --> 0:16:05.360
<v Speaker 2>know about. I don't care, just it's nice to have,

0:16:05.960 --> 0:16:07.800
<v Speaker 2>you know. They're like the friends in my head. Like

0:16:07.800 --> 0:16:09.240
<v Speaker 2>you guys say, we're your friends.

0:16:09.320 --> 0:16:12.600
<v Speaker 1>Yes, And the educator in me is just really impressed

0:16:12.640 --> 0:16:15.040
<v Speaker 1>because like watching their videos, I've been binging them. They're

0:16:15.040 --> 0:16:16.840
<v Speaker 1>really good teachers, you know. So I'm like kind of

0:16:16.840 --> 0:16:18.880
<v Speaker 1>a teacher snob. I don't know if you guys know that,

0:16:19.520 --> 0:16:21.560
<v Speaker 1>but like there are certain things that I look for

0:16:21.680 --> 0:16:24.200
<v Speaker 1>that I don't even I can't even articulate. Like it's

0:16:24.240 --> 0:16:25.960
<v Speaker 1>like if you're a really good painter or really good

0:16:26.000 --> 0:16:28.440
<v Speaker 1>at playing a sport, you know, there's certain footing. Like

0:16:28.440 --> 0:16:30.000
<v Speaker 1>when I used to play tennis, I could tell the

0:16:30.040 --> 0:16:32.200
<v Speaker 1>way you walked on the court whether or not you

0:16:32.280 --> 0:16:34.600
<v Speaker 1>really played tennis or you were just playing playing for fun,

0:16:34.600 --> 0:16:37.680
<v Speaker 1>which is fine, you know, but like there's certain stances

0:16:37.760 --> 0:16:42.200
<v Speaker 1>and so the way like watching them on their on

0:16:42.280 --> 0:16:44.640
<v Speaker 1>their you know, their YouTube channel, I was like, Wow,

0:16:44.680 --> 0:16:47.560
<v Speaker 1>they're really good teachers. They explain things in a way

0:16:47.560 --> 0:16:50.040
<v Speaker 1>that even if you've never heard these terms before, they

0:16:50.080 --> 0:16:53.400
<v Speaker 1>intrinsically knew that they would explain something. So let's say,

0:16:53.440 --> 0:16:55.240
<v Speaker 1>for example, I was watching a video they had today

0:16:55.280 --> 0:16:59.240
<v Speaker 1>about tax efficiency when it comes to your investing right,

0:16:59.680 --> 0:17:03.040
<v Speaker 1>and so they, you know, they didn't just try to

0:17:03.120 --> 0:17:04.919
<v Speaker 1>like fly into it, like they would say a thing

0:17:04.960 --> 0:17:06.560
<v Speaker 1>and'd be like, let me tell you what the what

0:17:06.600 --> 0:17:10.359
<v Speaker 1>the term tax efficiency means taxable account? What does that

0:17:10.400 --> 0:17:13.000
<v Speaker 1>really mean? So they would say a thing and then

0:17:13.080 --> 0:17:15.320
<v Speaker 1>recognize that there are terms there they need to be explained,

0:17:15.320 --> 0:17:17.080
<v Speaker 1>and they would explain them. That's a mark or a

0:17:17.119 --> 0:17:21.560
<v Speaker 1>really good teacher of anticipating where the learner is going

0:17:21.600 --> 0:17:23.719
<v Speaker 1>to be, like, wait, I have a question. In answering

0:17:23.760 --> 0:17:26.520
<v Speaker 1>that question before it's asked, that's a really like a

0:17:26.560 --> 0:17:29.000
<v Speaker 1>really strong mark of being a really good teacher. So

0:17:29.119 --> 0:17:31.120
<v Speaker 1>I just am impressed with them overall. But you said

0:17:31.160 --> 0:17:34.080
<v Speaker 1>we had some listener letters or listener comments.

0:17:34.400 --> 0:17:36.080
<v Speaker 2>Yeah, I'm not going to put I'm not going to

0:17:36.160 --> 0:17:40.040
<v Speaker 2>share names, but one of the one of the comments

0:17:40.040 --> 0:17:42.440
<v Speaker 2>I was kind of prepared for. And I guess I'm

0:17:42.440 --> 0:17:44.320
<v Speaker 2>grateful we only got one of these, But I can

0:17:44.359 --> 0:17:47.240
<v Speaker 2>imagine that maybe other people were thinking this. Christina and

0:17:47.280 --> 0:17:48.840
<v Speaker 2>Iman and you guys should go back to the last

0:17:48.840 --> 0:17:50.919
<v Speaker 2>episode and listen to our interview with them if you

0:17:50.920 --> 0:17:54.560
<v Speaker 2>haven't yet. It's episode two twenty eight from just last week.

0:17:54.800 --> 0:17:57.760
<v Speaker 2>But I even mentioned this on the show. I personally

0:17:57.840 --> 0:18:00.720
<v Speaker 2>have had some cynicism around the whole fire movement financial

0:18:00.720 --> 0:18:04.439
<v Speaker 2>independence retire early. It's often people who have, you know,

0:18:04.600 --> 0:18:07.919
<v Speaker 2>really either they have and inherited something, or they have

0:18:08.320 --> 0:18:10.920
<v Speaker 2>they live in such a crazy minimalistic way that it's

0:18:10.960 --> 0:18:13.399
<v Speaker 2>not realistic for most people that kind of sucks the

0:18:13.480 --> 0:18:15.960
<v Speaker 2>joy out of all their life, or you know, they

0:18:16.320 --> 0:18:19.120
<v Speaker 2>can you can point to their financial independence by looking

0:18:19.160 --> 0:18:21.680
<v Speaker 2>at Okay, they had a really high earning job, and

0:18:22.040 --> 0:18:23.679
<v Speaker 2>you know, I had a little bit of centizon about that.

0:18:23.720 --> 0:18:27.160
<v Speaker 2>But I had to acknowledge too that I think part

0:18:27.200 --> 0:18:30.160
<v Speaker 2>of me didn't want to like I guess and I'm

0:18:30.160 --> 0:18:33.159
<v Speaker 2>trying to like articulate this part of me felt some

0:18:33.200 --> 0:18:36.240
<v Speaker 2>type of way about these types of stories because I

0:18:36.240 --> 0:18:39.560
<v Speaker 2>guess I was a little insecure that I hadn't achieved

0:18:39.600 --> 0:18:42.479
<v Speaker 2>that kind of independence yet, like insecure in myself and

0:18:42.520 --> 0:18:44.920
<v Speaker 2>also like that is not my life. I work nine

0:18:44.960 --> 0:18:46.800
<v Speaker 2>to five. Yeah, Like, what do you mean I don't

0:18:46.800 --> 0:18:49.200
<v Speaker 2>have to have this job? What do you mean that

0:18:49.240 --> 0:18:51.520
<v Speaker 2>in eight years I should I should be not working.

0:18:51.720 --> 0:18:54.520
<v Speaker 2>But my identity is my job. How does that work?

0:18:55.160 --> 0:18:58.080
<v Speaker 2>And finally like when I and it's true, you know,

0:18:58.160 --> 0:19:01.480
<v Speaker 2>to my own point, yeah, those stories, you know, there

0:19:01.480 --> 0:19:04.400
<v Speaker 2>weren't people of color in those stories. It did feel like, oh,

0:19:04.440 --> 0:19:08.320
<v Speaker 2>this is only something that like privileged, someone who already

0:19:08.359 --> 0:19:11.679
<v Speaker 2>has inherent privileges could accomplish. Christina and Aman kind of

0:19:11.680 --> 0:19:13.800
<v Speaker 2>forced me to look at that and say that ain't true.

0:19:14.400 --> 0:19:16.960
<v Speaker 2>They did it. And one of the comments that we

0:19:17.000 --> 0:19:19.280
<v Speaker 2>got from a listener was, well, you know, because both

0:19:19.280 --> 0:19:21.200
<v Speaker 2>of them they are they do say that they work

0:19:21.200 --> 0:19:23.399
<v Speaker 2>in public government and you don't have like my husband

0:19:23.440 --> 0:19:25.480
<v Speaker 2>works for the government too, and their salaries are public,

0:19:25.480 --> 0:19:27.680
<v Speaker 2>and you can easily find out not easily, but you

0:19:27.720 --> 0:19:29.840
<v Speaker 2>can generally find out what someone might make depending on

0:19:29.880 --> 0:19:31.600
<v Speaker 2>their job. And someone did a little bit slewth thing,

0:19:31.640 --> 0:19:35.359
<v Speaker 2>I guess, and had responded to me about the show

0:19:35.359 --> 0:19:37.399
<v Speaker 2>and said, well, they make X amount of dollars. They

0:19:37.440 --> 0:19:39.520
<v Speaker 2>made X amount of dollars, you know, through their jobs,

0:19:40.160 --> 0:19:43.480
<v Speaker 2>and I kind of felt and then that comment was

0:19:43.520 --> 0:19:46.720
<v Speaker 2>sort of discounting their success and kind of saying well, like,

0:19:46.800 --> 0:19:49.119
<v Speaker 2>of course they were able to retire early. They earned

0:19:49.240 --> 0:19:53.159
<v Speaker 2>X y Z at their jobs, and I kind of

0:19:53.240 --> 0:19:55.560
<v Speaker 2>I understood where this person was coming from. But I

0:19:55.600 --> 0:20:01.520
<v Speaker 2>also think listening to their story, like, yes, they achieved wealth,

0:20:01.560 --> 0:20:04.119
<v Speaker 2>and one way they did it was by gaining the

0:20:04.280 --> 0:20:07.879
<v Speaker 2>education and choosing careers that would help them go in

0:20:07.920 --> 0:20:11.359
<v Speaker 2>that direction. But that's okay for us to talk about. Yes,

0:20:11.880 --> 0:20:14.439
<v Speaker 2>there's nothing wrong with that. Like, don't you feel like

0:20:14.480 --> 0:20:18.120
<v Speaker 2>there's this sense of negativity around anyone who acknowledges that

0:20:18.240 --> 0:20:22.000
<v Speaker 2>it takes work and you have to be you have to, like,

0:20:22.040 --> 0:20:24.080
<v Speaker 2>you have to reach out for wealth. You know, it's

0:20:24.119 --> 0:20:25.720
<v Speaker 2>not just going to find its way too. You have to,

0:20:26.000 --> 0:20:28.600
<v Speaker 2>especially if you're coming at it from a disadvantage like

0:20:28.640 --> 0:20:30.960
<v Speaker 2>so many people of color art, Like, you've got to

0:20:31.000 --> 0:20:33.959
<v Speaker 2>be intentional. You've got to you know, there's there's steps

0:20:33.960 --> 0:20:36.879
<v Speaker 2>that you can take, getting that higher education degree, you know,

0:20:37.160 --> 0:20:40.200
<v Speaker 2>being really ambitious in your career, you know, getting a sponsor,

0:20:40.240 --> 0:20:42.880
<v Speaker 2>a mentor, you know, these things that anyway, and and

0:20:43.200 --> 0:20:45.639
<v Speaker 2>Christina and a mom prove that if you take these steps,

0:20:45.720 --> 0:20:47.919
<v Speaker 2>you too can build wealth and it is attainable. And

0:20:47.960 --> 0:20:51.199
<v Speaker 2>I think personally having like I'll speak to my feelings

0:20:51.240 --> 0:20:55.000
<v Speaker 2>in the past, I have felt a little like, yeah,

0:20:55.040 --> 0:20:56.720
<v Speaker 2>like I said, just a little insecure when I see

0:20:56.720 --> 0:20:59.159
<v Speaker 2>those messages because I'm like, well, but I don't have that,

0:20:59.200 --> 0:21:02.760
<v Speaker 2>so what's wrong with me? And I'm definitely in a

0:21:02.760 --> 0:21:07.000
<v Speaker 2>whole different place today. I'm excited. I'm optimistic. Their story

0:21:07.080 --> 0:21:09.120
<v Speaker 2>lit a fire under me more than it ever has

0:21:09.200 --> 0:21:10.040
<v Speaker 2>no pun intended.

0:21:11.280 --> 0:21:12.320
<v Speaker 1>I just realized.

0:21:13.480 --> 0:21:16.080
<v Speaker 2>Maybe a little bit of pun intended. But I choose,

0:21:16.119 --> 0:21:18.080
<v Speaker 2>like I said, I choose to be optimistic. I choose

0:21:18.119 --> 0:21:20.600
<v Speaker 2>to see them be so proud of them, even though

0:21:20.640 --> 0:21:23.880
<v Speaker 2>I just met them virtually. I'm so proud of them,

0:21:23.880 --> 0:21:26.159
<v Speaker 2>and there is more of that for all of you

0:21:26.200 --> 0:21:28.880
<v Speaker 2>guys listening. It does not mean that they could. They

0:21:28.920 --> 0:21:30.960
<v Speaker 2>did it, and there's no room for you to achieve it.

0:21:31.000 --> 0:21:34.000
<v Speaker 2>Like that's the beauty of their story. It shows you

0:21:34.080 --> 0:21:36.040
<v Speaker 2>that there is a way. It shows me that there

0:21:36.080 --> 0:21:38.479
<v Speaker 2>is a different lifestyle than the one that I have

0:21:39.200 --> 0:21:43.000
<v Speaker 2>been heads down, you know, building for myself.

0:21:43.040 --> 0:21:46.200
<v Speaker 1>And I'll say for so long that like, even if,

0:21:46.320 --> 0:21:50.600
<v Speaker 1>because I do believe there are some obstacles that will

0:21:50.640 --> 0:21:54.080
<v Speaker 1>prevent some people from achieving that lifestyle, that's just life.

0:21:54.400 --> 0:21:58.200
<v Speaker 1>But what I will say is that even if it's

0:21:58.240 --> 0:22:03.199
<v Speaker 1>not eight years to retirement. Even if it's not, you know,

0:22:03.440 --> 0:22:06.080
<v Speaker 1>like being able to move to Portugal. What I will

0:22:06.119 --> 0:22:10.360
<v Speaker 1>say is that there is better available to everyone. And

0:22:10.400 --> 0:22:13.240
<v Speaker 1>that's what I hope that you take away from Eman

0:22:13.320 --> 0:22:15.800
<v Speaker 1>and Christina, that like, because I mean, look at me,

0:22:16.040 --> 0:22:20.199
<v Speaker 1>I mean I in the last I mean totally in

0:22:20.200 --> 0:22:22.640
<v Speaker 1>total over the last ten years, I mean, my business

0:22:22.640 --> 0:22:25.399
<v Speaker 1>has grossed, I don't know, will be fifteen million dollars.

0:22:25.840 --> 0:22:30.160
<v Speaker 1>And although I guess I am financially free, I guess

0:22:30.440 --> 0:22:32.399
<v Speaker 1>you know, I still work like a damn dog, you

0:22:32.440 --> 0:22:34.280
<v Speaker 1>know who, like building a bunch of these, because I

0:22:34.280 --> 0:22:36.520
<v Speaker 1>have other things I want to accomplish, you know. And

0:22:36.560 --> 0:22:39.640
<v Speaker 1>so certainly it helped me look at myself and say, huh,

0:22:39.800 --> 0:22:42.520
<v Speaker 1>you know, like what is the desired outcome? That's what

0:22:42.560 --> 0:22:44.800
<v Speaker 1>it helped me look at because you have enough, I guess,

0:22:44.840 --> 0:22:47.719
<v Speaker 1>Tiffany technically, but I'm not working for the money. But anyway,

0:22:47.960 --> 0:22:51.240
<v Speaker 1>I just wanted to share that that the for me,

0:22:51.400 --> 0:22:53.639
<v Speaker 1>what I hope listeners got from their story is not

0:22:53.880 --> 0:22:57.680
<v Speaker 1>that hey be like me. It's more so that better

0:22:57.760 --> 0:23:01.760
<v Speaker 1>is available and here is an here's an avenue, one

0:23:01.800 --> 0:23:03.800
<v Speaker 1>of the avenues that you can take. And so I

0:23:03.840 --> 0:23:08.680
<v Speaker 1>hope you just internalize that because you know, like Mandy's

0:23:08.680 --> 0:23:11.600
<v Speaker 1>story to success is one that I mean, you didn't

0:23:11.600 --> 0:23:14.439
<v Speaker 1>grow up with money, Mandy. You know, your mom raised

0:23:14.480 --> 0:23:17.560
<v Speaker 1>you and your your siblings and it was hard, you know,

0:23:17.680 --> 0:23:20.720
<v Speaker 1>and from what we know, you were a rebellious young woman.

0:23:22.560 --> 0:23:24.320
<v Speaker 2>I mean, you know, I stood up for myself. I

0:23:24.320 --> 0:23:25.680
<v Speaker 2>don't know what you're talking about.

0:23:25.440 --> 0:23:30.760
<v Speaker 1>Specifically, and so right, and then but then look where

0:23:30.800 --> 0:23:34.119
<v Speaker 1>Mandy is now despite you know, not growing up with

0:23:34.160 --> 0:23:37.959
<v Speaker 1>a silver spoon. And then look at me two immigrant parents,

0:23:38.000 --> 0:23:40.080
<v Speaker 1>and you know, yes, I grew up in a two

0:23:40.280 --> 0:23:42.240
<v Speaker 1>parent household. But my dad was an accountant, my mom

0:23:42.280 --> 0:23:44.680
<v Speaker 1>was a nurse. These are professions that you know, make

0:23:44.680 --> 0:23:46.600
<v Speaker 1>decent money. But my dad worked for a nonprofit. So

0:23:46.800 --> 0:23:49.520
<v Speaker 1>let's be real, like my mom made more, quite honestly.

0:23:49.600 --> 0:23:53.159
<v Speaker 1>And I'm one of five girls, and I was a

0:23:53.200 --> 0:23:55.680
<v Speaker 1>preschool teacher and that was my plan up until age

0:23:55.720 --> 0:23:59.439
<v Speaker 1>twenty nine. And now look, so there is there are

0:23:59.480 --> 0:24:03.239
<v Speaker 1>so many different paths, so to me, the destinations are

0:24:03.240 --> 0:24:06.159
<v Speaker 1>not the same, but the path should be always to

0:24:06.280 --> 0:24:08.400
<v Speaker 1>better and that's what we hope to illustrate with our show.

0:24:08.520 --> 0:24:10.000
<v Speaker 2>Could not have said it better myself.

0:24:10.680 --> 0:24:14.879
<v Speaker 1>Thank you tell me now, look, we're trying to we're

0:24:14.880 --> 0:24:15.680
<v Speaker 1>starting to trade.

0:24:18.720 --> 0:24:18.760
<v Speaker 3>Y.

0:24:20.040 --> 0:24:22.359
<v Speaker 2>Yeah, and then again, go check out our show, our

0:24:22.359 --> 0:24:24.679
<v Speaker 2>interview with Christina and Iman. And if you listen to

0:24:24.760 --> 0:24:26.400
<v Speaker 2>it first and you felt some type of way about

0:24:26.440 --> 0:24:29.000
<v Speaker 2>it and you didn't leave there feeling excited, listen to

0:24:29.040 --> 0:24:31.520
<v Speaker 2>it again after hearing us, because you know, it's like

0:24:31.560 --> 0:24:33.960
<v Speaker 2>Tiffany said, there's not just one verse. You have to

0:24:34.160 --> 0:24:36.840
<v Speaker 2>They inspired me to find my own version of freedom,

0:24:36.880 --> 0:24:39.680
<v Speaker 2>whatever that looks like. And I feel like I'm at

0:24:39.720 --> 0:24:42.639
<v Speaker 2>the point now where I've ticked off some boxes and

0:24:42.680 --> 0:24:44.600
<v Speaker 2>now you know, they it just they came at the

0:24:44.680 --> 0:24:48.000
<v Speaker 2>right time. One of the listeners who message just said

0:24:48.359 --> 0:24:50.159
<v Speaker 2>one of the things that was most apparent was that

0:24:50.280 --> 0:24:52.960
<v Speaker 2>Nandy really needed to hear this story, and you need

0:24:52.960 --> 0:24:55.040
<v Speaker 2>to hear from Christina and Iman. And I guess I did,

0:24:55.080 --> 0:24:57.919
<v Speaker 2>you know? I think when you know there's there's this

0:24:58.000 --> 0:25:00.920
<v Speaker 2>point now where okay, it's level up. It's like level

0:25:01.000 --> 0:25:03.360
<v Speaker 2>up your money and really start to grow wealth and

0:25:03.560 --> 0:25:05.679
<v Speaker 2>decide how you want to do that. And am I

0:25:05.720 --> 0:25:08.320
<v Speaker 2>going to you know Christina and im on they're transparent

0:25:08.359 --> 0:25:11.320
<v Speaker 2>about how they built their wealth. They side hustled, but

0:25:11.359 --> 0:25:13.560
<v Speaker 2>they had great careers in government, Christina went back to

0:25:13.600 --> 0:25:17.840
<v Speaker 2>law school. They flipped houses in the Bay Area. I'm

0:25:17.840 --> 0:25:20.440
<v Speaker 2>not I have decided like real estate's not my way

0:25:20.440 --> 0:25:22.200
<v Speaker 2>to wealth. I don't have the tolerant, like the risk

0:25:22.240 --> 0:25:25.119
<v Speaker 2>tolerance for it. But but I'm excited to find my

0:25:25.160 --> 0:25:28.639
<v Speaker 2>own way there. And and you know, hearing their story

0:25:28.840 --> 0:25:32.080
<v Speaker 2>has given me, of course has given some ideas. But

0:25:32.800 --> 0:25:35.320
<v Speaker 2>if you look at people's story and say, well, they're

0:25:35.359 --> 0:25:36.800
<v Speaker 2>just saying that I have to do it that way,

0:25:36.840 --> 0:25:39.760
<v Speaker 2>then you're not really listening. Yeah, and you've got to

0:25:40.400 --> 0:25:43.199
<v Speaker 2>you know, take your inspiration, but then be just be

0:25:43.359 --> 0:25:46.440
<v Speaker 2>excited to find your own way to to to wealth

0:25:46.480 --> 0:25:48.600
<v Speaker 2>and wellness. And you know, Tiffany and I I can

0:25:48.640 --> 0:25:51.800
<v Speaker 2>feel like with this show. We are talking about wealth

0:25:51.800 --> 0:25:54.479
<v Speaker 2>building a lot more on this show, and it's something

0:25:54.520 --> 0:25:56.840
<v Speaker 2>that I think we should really be intentional about because

0:25:57.440 --> 0:25:59.240
<v Speaker 2>look how far we've come in the five years since

0:25:59.240 --> 0:26:02.200
<v Speaker 2>we've done this show, and we have to acknowledge our

0:26:02.240 --> 0:26:05.119
<v Speaker 2>longtime listeners. They've grown too. Yeah, Like the questions we

0:26:05.200 --> 0:26:07.119
<v Speaker 2>got back then are a little bit you know, are

0:26:07.160 --> 0:26:09.640
<v Speaker 2>different than the ones we're getting now. And if y'all

0:26:09.680 --> 0:26:14.760
<v Speaker 2>have specific questions, you know, scary technical investing wealth building questions.

0:26:15.080 --> 0:26:18.679
<v Speaker 2>I'm ready to tackle them. I think we should, you know, really,

0:26:18.920 --> 0:26:22.240
<v Speaker 2>you know, embrace those types of conversations. So you know,

0:26:22.280 --> 0:26:24.560
<v Speaker 2>what is y'all's plan to build wealth? What questions do

0:26:24.600 --> 0:26:28.560
<v Speaker 2>you have around stock market investing, investing outside your four

0:26:28.560 --> 0:26:32.160
<v Speaker 2>to one k and if you know, and for those

0:26:32.200 --> 0:26:34.560
<v Speaker 2>of you who may think, well, I can hardly imagine

0:26:34.800 --> 0:26:37.520
<v Speaker 2>investing outside my four to one K because that's all

0:26:37.560 --> 0:26:40.399
<v Speaker 2>I've gotten so far, and I'm not ready for that.

0:26:40.560 --> 0:26:43.920
<v Speaker 2>Like listen anyway, because the hope is that one day

0:26:43.920 --> 0:26:47.040
<v Speaker 2>you will be ready to invest beyond and to grow

0:26:47.080 --> 0:26:50.560
<v Speaker 2>your wealth, you know, beyond those standard those standard wealth

0:26:50.560 --> 0:26:53.359
<v Speaker 2>building practices. And I hope that we can help y'all

0:26:53.359 --> 0:26:56.160
<v Speaker 2>think bigger, bigger than even we have on the show

0:26:56.240 --> 0:26:56.560
<v Speaker 2>so far.

0:26:57.720 --> 0:26:58.920
<v Speaker 3>Yeah, well that was good.

0:26:58.960 --> 0:26:59.040
<v Speaker 4>You know.

0:26:59.160 --> 0:27:01.239
<v Speaker 1>Usually I'm not really a super fan of guests, not

0:27:01.240 --> 0:27:02.679
<v Speaker 1>to say all of our guests are great. That's what.

0:27:02.760 --> 0:27:04.760
<v Speaker 1>We don't have a ton of guests because or what

0:27:05.040 --> 0:27:06.760
<v Speaker 1>not be you know, well, just because I like our

0:27:06.800 --> 0:27:10.840
<v Speaker 1>conversations together and sometimes you guys are like, I don't

0:27:10.880 --> 0:27:13.600
<v Speaker 1>need a guess, But we're fortunate that all of our

0:27:13.600 --> 0:27:17.480
<v Speaker 1>guests have been amazing. That's because we pick you know

0:27:17.560 --> 0:27:20.640
<v Speaker 1>wisely and we don't overwhelm y'all with guests. But no,

0:27:20.720 --> 0:27:22.800
<v Speaker 1>that was honestly one of my babe bab baits. And

0:27:22.840 --> 0:27:25.680
<v Speaker 1>like I said, now I'm tessively stalking them on YouTube.

0:27:25.720 --> 0:27:27.600
<v Speaker 1>So they're my new besties.

0:27:27.640 --> 0:27:29.800
<v Speaker 2>New besties, And we were just real quick for people

0:27:29.800 --> 0:27:32.840
<v Speaker 2>who were looking for because I wasn't. I had dabbled

0:27:32.840 --> 0:27:36.640
<v Speaker 2>in YouTube, but I usually was looking at recipes. Not dabbled,

0:27:36.680 --> 0:27:38.480
<v Speaker 2>but I watched a lot of YouTube, but it was

0:27:38.520 --> 0:27:41.560
<v Speaker 2>usually a recipes or I don't know just how to

0:27:41.600 --> 0:27:43.479
<v Speaker 2>train your dog not to bark at the mailman. I

0:27:43.560 --> 0:27:46.360
<v Speaker 2>wasn't looking for financial advice there. But now that I

0:27:46.440 --> 0:27:49.480
<v Speaker 2>have started looking, there's a lot of great content out there.

0:27:49.520 --> 0:27:51.840
<v Speaker 2>So Tiff and I we share some faves. Do you

0:27:51.880 --> 0:27:56.080
<v Speaker 2>want to for anyone who's looking for like some YouTube channel?

0:27:56.160 --> 0:27:59.520
<v Speaker 2>What do you call them? People I don't chan to watch?

0:27:59.600 --> 0:28:02.320
<v Speaker 1>Yeah t channels to subscribe to. So we actually have

0:28:02.400 --> 0:28:04.040
<v Speaker 1>two of our new paves. Like, I didn't realize that

0:28:04.080 --> 0:28:09.240
<v Speaker 1>you watch my fave all time fave is Minority Mindset

0:28:09.320 --> 0:28:13.840
<v Speaker 1>with Jos brit sing he is. It's not sex, it's

0:28:13.840 --> 0:28:15.679
<v Speaker 1>not seek I Alush. I always say sek, but he's like, no,

0:28:15.720 --> 0:28:17.520
<v Speaker 1>it's called sex. I think it's sex. I think that's

0:28:17.560 --> 0:28:20.000
<v Speaker 1>the way you're supposed to say it. But yeah, he

0:28:20.320 --> 0:28:23.680
<v Speaker 1>is awesome sauce. First of all, he is fun, he's engaging.

0:28:23.720 --> 0:28:27.960
<v Speaker 1>He's in an attorney but like so like he's super smart,

0:28:28.320 --> 0:28:33.760
<v Speaker 1>but he knows how to explain it's he literally explains

0:28:33.800 --> 0:28:36.480
<v Speaker 1>the economy, so it's almost like taking an economics class

0:28:36.480 --> 0:28:39.520
<v Speaker 1>with him. It's not so much like there's personal finance

0:28:39.560 --> 0:28:42.240
<v Speaker 1>things there, but especially his more recent things are really like,

0:28:42.480 --> 0:28:44.400
<v Speaker 1>this is what's happening in the economy, and let me

0:28:44.440 --> 0:28:45.960
<v Speaker 1>explain it to you in a way that you're gonna

0:28:46.040 --> 0:28:47.960
<v Speaker 1>understand when I tell you, I listen. I watch his

0:28:48.040 --> 0:28:50.920
<v Speaker 1>videos every single morning. It's one of my go tos.

0:28:51.120 --> 0:28:53.240
<v Speaker 1>He posts a video about six days a week, and

0:28:53.400 --> 0:28:55.080
<v Speaker 1>you can sign up for his free emails, which I

0:28:55.120 --> 0:28:56.800
<v Speaker 1>don't get a chance to read as much. But I

0:28:56.840 --> 0:28:58.760
<v Speaker 1>watch his videos every day. And then you and I

0:28:58.800 --> 0:29:00.480
<v Speaker 1>both like investing with Rose Light.

0:29:01.040 --> 0:29:03.680
<v Speaker 2>Yeah, investing with Rose. She's super I love her. She's

0:29:03.840 --> 0:29:05.760
<v Speaker 2>you're talking about being a good teacher. She has a

0:29:05.760 --> 0:29:08.680
<v Speaker 2>really nice Yes, she has a I don't know, I

0:29:08.800 --> 0:29:11.600
<v Speaker 2>just something about her tone and her approach to talking

0:29:11.600 --> 0:29:14.320
<v Speaker 2>about finance. She's someone that my husband and I could

0:29:14.320 --> 0:29:17.040
<v Speaker 2>both look at and listen to and get educated. And

0:29:17.080 --> 0:29:19.560
<v Speaker 2>he and I were we were bickering back and forth

0:29:19.600 --> 0:29:22.240
<v Speaker 2>because he was like, no, you're defining index fund wrong. No,

0:29:22.360 --> 0:29:24.240
<v Speaker 2>I you know, I was like, no, you and index

0:29:24.280 --> 0:29:25.760
<v Speaker 2>when it's a type of mutual fun. He's like, but

0:29:25.760 --> 0:29:27.520
<v Speaker 2>it's also an exchange change of fund and I was like, no,

0:29:27.600 --> 0:29:29.560
<v Speaker 2>it's not. So we watched Investing with Rose and settled

0:29:29.560 --> 0:29:31.720
<v Speaker 2>the argument, and I think I forget now who was right.

0:29:31.760 --> 0:29:33.600
<v Speaker 2>I think we're both a little bit right. But she

0:29:34.200 --> 0:29:36.280
<v Speaker 2>really helps, you know, explain things to you in a

0:29:36.280 --> 0:29:38.640
<v Speaker 2>way that makes it, you know, easy to understand. And

0:29:38.800 --> 0:29:41.760
<v Speaker 2>one note about just just Bree and minority mindset. I

0:29:41.880 --> 0:29:44.960
<v Speaker 2>signed Enrique up for his newsletter yesterday and without asking

0:29:45.040 --> 0:29:48.640
<v Speaker 2>him because I knew his newsletter is great. I love it.

0:29:48.640 --> 0:29:51.719
<v Speaker 2>It is between that and he's got a whole I mean,

0:29:51.760 --> 0:29:53.760
<v Speaker 2>he's kind of like building a whole brand in a

0:29:53.760 --> 0:29:58.000
<v Speaker 2>whole mediacast. He has a whole team, you know, like.

0:29:58.080 --> 0:30:03.240
<v Speaker 1>Yes, the they have a free curriculum like a kid

0:30:03.240 --> 0:30:05.200
<v Speaker 1>could full out, Like if you want to teach your

0:30:05.240 --> 0:30:08.880
<v Speaker 1>kids financial literacy curriculum just be had a curriculum need

0:30:09.360 --> 0:30:11.080
<v Speaker 1>And I was just like, I mean, he I don't

0:30:11.080 --> 0:30:12.760
<v Speaker 1>even know. He's like such a sleeper. I'm like, why

0:30:12.840 --> 0:30:16.400
<v Speaker 1>hasn't anybody picked up on this dude. He's amazing, funny,

0:30:17.200 --> 0:30:20.200
<v Speaker 1>like just super intelligent, but like bracings down in a

0:30:20.240 --> 0:30:22.640
<v Speaker 1>way in full fledged. Like you said, he's a straight

0:30:22.680 --> 0:30:23.920
<v Speaker 1>media company, So.

0:30:24.040 --> 0:30:26.400
<v Speaker 2>Watch out for him. And I love and his show

0:30:26.480 --> 0:30:28.960
<v Speaker 2>Minority Mindset. When I first because I'm in brown ambition mode,

0:30:28.960 --> 0:30:31.120
<v Speaker 2>I was like, oh, you know, minorities like brown people.

0:30:31.360 --> 0:30:34.000
<v Speaker 2>But he means I love about it. When he says

0:30:34.000 --> 0:30:37.040
<v Speaker 2>minority mindset, he means, you know, building true wealth, the

0:30:37.040 --> 0:30:39.280
<v Speaker 2>minority of people are able to achieve it, and here

0:30:39.280 --> 0:30:41.240
<v Speaker 2>are the skills, and here's what they understand about the

0:30:41.240 --> 0:30:43.600
<v Speaker 2>world and how it works to achieve that type of success.

0:30:43.640 --> 0:30:46.640
<v Speaker 2>And yeah, it's a great channel. Investing with Rose is

0:30:46.680 --> 0:30:49.360
<v Speaker 2>the other one. Who else are you? Are you loving?

0:30:49.440 --> 0:30:51.160
<v Speaker 2>I know our friends his and her money. They have

0:30:51.240 --> 0:30:55.880
<v Speaker 2>a really successful channel on YouTube a Lot and I

0:30:55.920 --> 0:30:58.920
<v Speaker 2>forget now tal and Tie into a Lot. Talent, Tie

0:30:58.920 --> 0:31:00.800
<v Speaker 2>into a Lot. Thank you to have them on the show.

0:31:00.800 --> 0:31:02.400
<v Speaker 2>We're supposed to have them on the show a while back,

0:31:02.400 --> 0:31:03.640
<v Speaker 2>but that never happened.

0:31:04.880 --> 0:31:07.320
<v Speaker 1>It. Who else is my listening to? That's yeah, I

0:31:07.360 --> 0:31:12.320
<v Speaker 1>think that is. Yeah, that's like my go to right now.

0:31:12.320 --> 0:31:14.920
<v Speaker 1>There's a few things like sometimes things will pop up

0:31:14.920 --> 0:31:16.600
<v Speaker 1>and I'll watch like but as far as like who

0:31:16.640 --> 0:31:18.600
<v Speaker 1>I like my go to to actually go and watch

0:31:18.600 --> 0:31:21.000
<v Speaker 1>on purpose? Those are my on purpose watchers.

0:31:21.560 --> 0:31:23.920
<v Speaker 2>You guys, tell us send us an email, Brown Ambition

0:31:24.000 --> 0:31:26.320
<v Speaker 2>Podcast at gmail dot com. Hit us up. We never

0:31:26.360 --> 0:31:28.800
<v Speaker 2>talk about Twitter anymore, but that's the thing. Hit us

0:31:28.880 --> 0:31:31.520
<v Speaker 2>up at the BA podcast on Twitter, or of course

0:31:31.640 --> 0:31:35.120
<v Speaker 2>our beloved home Instagram at Brand Ambition Podcast on the Gram.

0:31:35.360 --> 0:31:38.120
<v Speaker 2>Who are y'all listening to or watching on YouTube? Like?

0:31:38.200 --> 0:31:41.120
<v Speaker 2>What channels do you binge on the weekends? Like the

0:31:41.120 --> 0:31:43.479
<v Speaker 2>money nerds that we know and love, let us know,

0:31:43.560 --> 0:31:45.320
<v Speaker 2>maybe we'll shout them on the show. Maybe we'll have

0:31:45.720 --> 0:31:48.040
<v Speaker 2>more of them on as our guests or vice versa.

0:31:48.680 --> 0:31:50.920
<v Speaker 1>Yeah, that would be awesome, awesome sace.

0:31:52.120 --> 0:31:54.120
<v Speaker 2>Well, let's take a quick break, shall we and come

0:31:54.120 --> 0:31:56.200
<v Speaker 2>back and dive into some questions.

0:31:56.560 --> 0:32:29.120
<v Speaker 3>Yes, let's do so.

0:32:30.120 --> 0:32:32.520
<v Speaker 2>All right, we are back again. Y'all can hit us

0:32:32.600 --> 0:32:35.640
<v Speaker 2>up with your questions. Hey, we have a website, Brandhambisson

0:32:35.640 --> 0:32:37.960
<v Speaker 2>podcast dot Com with the ask us anything tab, y'all

0:32:37.960 --> 0:32:40.400
<v Speaker 2>can check that out. And if you're looking for but

0:32:40.520 --> 0:32:44.320
<v Speaker 2>yond iTunes a place to find old episodes or you know,

0:32:44.680 --> 0:32:46.440
<v Speaker 2>check out our social handles in one place. You go

0:32:46.480 --> 0:32:49.480
<v Speaker 2>to our go to our website Brandission podcast dot com.

0:32:49.560 --> 0:32:53.640
<v Speaker 2>You can also send us emails via email, snail mail, snale, Gmail, whatever,

0:32:53.960 --> 0:32:57.280
<v Speaker 2>Brand Ambission Podcast at gmail dot com, or Instagram at

0:32:57.400 --> 0:33:02.480
<v Speaker 2>Brandanbision Podcast. Let's Die Then, this question is near and

0:33:02.560 --> 0:33:05.240
<v Speaker 2>dear to my heart because I recently decided to cut

0:33:05.240 --> 0:33:07.640
<v Speaker 2>this expense from my budget and I want to talk

0:33:07.640 --> 0:33:10.880
<v Speaker 2>about why. So this question comes from listener Ranata. She says,

0:33:10.880 --> 0:33:14.000
<v Speaker 2>what are y'all thoughts on pet insurance? I've had insurance

0:33:14.000 --> 0:33:16.000
<v Speaker 2>for my nine year old dog for the past three years.

0:33:16.120 --> 0:33:18.400
<v Speaker 2>It started out at thirty dollars and every year the

0:33:18.440 --> 0:33:21.400
<v Speaker 2>price increases. It's now at forty five dollars and I'm

0:33:21.400 --> 0:33:23.920
<v Speaker 2>beginning to question if it's worth it. It doesn't cover

0:33:24.000 --> 0:33:27.720
<v Speaker 2>any routine visits, only emergency visits, with which we rarely use.

0:33:27.840 --> 0:33:32.080
<v Speaker 2>Knock on wood, I've had four months of emergency savings

0:33:32.200 --> 0:33:34.520
<v Speaker 2>saved up. Working your way up to six months. I'm

0:33:34.520 --> 0:33:37.560
<v Speaker 2>contemplating canceling the insurance and putting that forty five dollars

0:33:37.640 --> 0:33:40.600
<v Speaker 2>per month into a separate bank account instead to save

0:33:40.680 --> 0:33:45.280
<v Speaker 2>up for any of her medical emergencies. What are your thoughts, Well.

0:33:45.000 --> 0:33:48.520
<v Speaker 1>I will say, I mean, I don't know how long

0:33:48.600 --> 0:33:51.440
<v Speaker 1>dogs usually live for, but I know that my friend

0:33:51.440 --> 0:33:56.360
<v Speaker 1>Cabral has a little shit to Bentley, and Bentley is

0:33:56.400 --> 0:34:00.920
<v Speaker 1>like death now. He's like half blind, and he's been

0:34:01.360 --> 0:34:03.800
<v Speaker 1>in and out kind of like I know he's been

0:34:03.840 --> 0:34:06.360
<v Speaker 1>in and out of the hospital for just because he's

0:34:06.400 --> 0:34:08.919
<v Speaker 1>at that age. And one of the things Cabrel said

0:34:08.920 --> 0:34:12.319
<v Speaker 1>that he wished he'd gotten was pet insurance. So I

0:34:12.320 --> 0:34:13.879
<v Speaker 1>guess it. I don't. I mean, I don't. I've never

0:34:13.920 --> 0:34:15.839
<v Speaker 1>had I mean I had a cat, but she ran away.

0:34:15.880 --> 0:34:19.799
<v Speaker 1>But whatever, we know the way the cat who lived across.

0:34:19.719 --> 0:34:24.480
<v Speaker 2>Who lived across the street went on to a better life.

0:34:24.520 --> 0:34:27.200
<v Speaker 2>But it's just like they feed me on the regulars exactly.

0:34:26.920 --> 0:34:29.279
<v Speaker 1>Not that cheap stuff that that high school or next

0:34:29.280 --> 0:34:31.879
<v Speaker 1>door feeds these They feed me real food. So yeah,

0:34:31.920 --> 0:34:33.560
<v Speaker 1>so that's one thing that he said. He was like,

0:34:33.600 --> 0:34:35.000
<v Speaker 1>I guess with all of bet news, like you know,

0:34:35.080 --> 0:34:38.080
<v Speaker 1>medical conditions, he kind of wishes he because he's like

0:34:38.120 --> 0:34:40.480
<v Speaker 1>some of the things he knows that's his baby, so

0:34:40.600 --> 0:34:42.479
<v Speaker 1>he's like some of the you know, that's his last

0:34:42.480 --> 0:34:45.440
<v Speaker 1>bill was like three hundred dollars, and so he's like,

0:34:45.440 --> 0:34:48.880
<v Speaker 1>I wish I would have had insurance for Bentley. So

0:34:49.040 --> 0:34:51.400
<v Speaker 1>I can only speak from someone who you know, who's

0:34:51.440 --> 0:34:53.200
<v Speaker 1>going through it now with their pet and trying to

0:34:53.200 --> 0:34:55.360
<v Speaker 1>figure out I think I think I think Bentley's like

0:34:55.360 --> 0:34:57.800
<v Speaker 1>twelve or twelve or thirteen years old. So yeah, that's

0:34:57.840 --> 0:34:59.520
<v Speaker 1>that's that can only speak to that. But I know

0:34:59.560 --> 0:35:02.640
<v Speaker 1>you have do you have insurance or you had it? Yeah?

0:35:02.680 --> 0:35:05.279
<v Speaker 2>So with Mollie, yes, we got her when she was

0:35:05.400 --> 0:35:09.279
<v Speaker 2>just over a year old, and I forget when maybe

0:35:09.320 --> 0:35:11.400
<v Speaker 2>a few months in. I mean we probably had a

0:35:11.400 --> 0:35:13.719
<v Speaker 2>few hundred dollars of vet expenses right out the gate

0:35:14.080 --> 0:35:16.000
<v Speaker 2>for her. You know, she had to have an annual

0:35:16.080 --> 0:35:18.200
<v Speaker 2>Even though they come when you get them through a shelter,

0:35:18.280 --> 0:35:20.920
<v Speaker 2>they become neutered or spade or whatnot when they have

0:35:21.040 --> 0:35:23.759
<v Speaker 2>some of their shots, but you know, there's additional things

0:35:23.760 --> 0:35:25.120
<v Speaker 2>that you have to go. All of a sudden, it

0:35:25.160 --> 0:35:27.000
<v Speaker 2>was like she needs a blood test and a fecal

0:35:27.000 --> 0:35:29.239
<v Speaker 2>exam and I walked out of that that, you know,

0:35:29.480 --> 0:35:32.160
<v Speaker 2>hundreds of dollars poorer and feeling like, what just happened

0:35:32.200 --> 0:35:35.040
<v Speaker 2>to me? What is this dog costing me? And I

0:35:35.080 --> 0:35:38.080
<v Speaker 2>actually did. I shopped around and I got pet insurance.

0:35:38.080 --> 0:35:41.120
<v Speaker 2>It's about thirty bucks a month, thirty five something like that.

0:35:41.200 --> 0:35:43.279
<v Speaker 2>And you definitely should shop around, you know, the same

0:35:43.280 --> 0:35:46.600
<v Speaker 2>way we've talked about shopping for life insurance policy sites

0:35:46.719 --> 0:35:51.840
<v Speaker 2>like policy Genius and Value Penguin. You can compare pet

0:35:52.040 --> 0:35:56.359
<v Speaker 2>insurance policies pretty easily online these days. And she's right.

0:35:56.440 --> 0:35:59.040
<v Speaker 2>I mean, they don't cover a lot of that routine

0:35:59.080 --> 0:36:01.759
<v Speaker 2>healthcare because that's actually what comes up in the first

0:36:01.800 --> 0:36:04.200
<v Speaker 2>few years of their life. And that's the shitty thing

0:36:04.200 --> 0:36:07.040
<v Speaker 2>about it. I'm not gonna lie, but to Tiffany's point,

0:36:07.400 --> 0:36:09.200
<v Speaker 2>you have to think about the breed of dog that

0:36:09.280 --> 0:36:12.400
<v Speaker 2>you have and what are the you know, what health

0:36:12.719 --> 0:36:16.080
<v Speaker 2>issues complications do they tend to deal with later in age,

0:36:16.480 --> 0:36:19.120
<v Speaker 2>and do some research and find out what maybe some

0:36:19.160 --> 0:36:21.600
<v Speaker 2>of the treatments might cost for something like that, and

0:36:21.719 --> 0:36:23.800
<v Speaker 2>see if you'd be willing to come out of pocket

0:36:23.800 --> 0:36:27.279
<v Speaker 2>for those expenses. Pet insurance, unfortunately, it is one of

0:36:27.320 --> 0:36:29.279
<v Speaker 2>those types of insurance you know it does. It's not

0:36:29.320 --> 0:36:32.480
<v Speaker 2>covered in Obamacare sadly, so that means that pre existing

0:36:32.520 --> 0:36:37.279
<v Speaker 2>conditions can sometimes exclude coverage. So like your dog can

0:36:37.280 --> 0:36:39.719
<v Speaker 2>be denied coverage because they might even just be a

0:36:39.800 --> 0:36:42.799
<v Speaker 2>type of breed that you know tends to have certain conditions,

0:36:43.320 --> 0:36:46.000
<v Speaker 2>or you know, if you get insurance later in life,

0:36:46.040 --> 0:36:49.040
<v Speaker 2>they can they can deny you a policy or charge

0:36:49.040 --> 0:36:51.080
<v Speaker 2>a lot more depending on like what types of issues

0:36:51.120 --> 0:36:53.480
<v Speaker 2>a dog has already had. If you've got the space

0:36:53.480 --> 0:36:55.840
<v Speaker 2>in your budget, it could make sense to have pet insurance.

0:36:56.520 --> 0:37:01.919
<v Speaker 2>But really what they'll cover is treatment that are accidents,

0:37:02.040 --> 0:37:04.880
<v Speaker 2>like accidents. Why am I talking like that? Accidents or

0:37:06.120 --> 0:37:10.239
<v Speaker 2>you know, unexpected like injuries, you know, hippick. I hate

0:37:10.239 --> 0:37:11.360
<v Speaker 2>to say these things. I don't want to put that

0:37:11.440 --> 0:37:13.960
<v Speaker 2>energy out of the universe, but you know, anyway, they

0:37:13.960 --> 0:37:17.920
<v Speaker 2>get really sick, they have a virus, whatever. I recently

0:37:17.920 --> 0:37:22.640
<v Speaker 2>decided to stop putting or stop paying for help or

0:37:22.640 --> 0:37:25.800
<v Speaker 2>pet insurance. And I decided it for the same reasons.

0:37:25.800 --> 0:37:29.120
<v Speaker 2>It sounds like you're you're thinking about renata, which is,

0:37:29.480 --> 0:37:32.120
<v Speaker 2>you know, I could just put money aside and have

0:37:32.280 --> 0:37:34.600
<v Speaker 2>some money set aside for if something were to happen

0:37:34.680 --> 0:37:36.120
<v Speaker 2>and at least then the money is staying in your

0:37:36.160 --> 0:37:38.840
<v Speaker 2>bank account and not going to some insurance company. So

0:37:39.080 --> 0:37:41.359
<v Speaker 2>I came up with a number that I felt comfortable with,

0:37:41.520 --> 0:37:45.160
<v Speaker 2>and it's a few thousand dollars, which is just and

0:37:45.200 --> 0:37:47.600
<v Speaker 2>you know, and I have it in a savings account,

0:37:47.600 --> 0:37:50.080
<v Speaker 2>and I have it, you know, earmarked for Molly should

0:37:50.080 --> 0:37:54.000
<v Speaker 2>anything ever happen to her. And I'm continuing to contribute

0:37:54.040 --> 0:37:56.480
<v Speaker 2>a little bit to it each month, and you know,

0:37:56.520 --> 0:37:58.040
<v Speaker 2>I hope I never have to use it, but I'm

0:37:58.040 --> 0:38:01.120
<v Speaker 2>okay with that. But to your point, or to your question,

0:38:01.200 --> 0:38:03.120
<v Speaker 2>you say that you have three to four months of

0:38:03.160 --> 0:38:07.560
<v Speaker 2>emergency savings already saved up with you yourself and your partner,

0:38:07.640 --> 0:38:12.040
<v Speaker 2>and it sounds like you would be potentially dipping into

0:38:12.120 --> 0:38:15.160
<v Speaker 2>that savings fund if something were to happen to your dog.

0:38:15.680 --> 0:38:18.240
<v Speaker 2>And in that case, I don't know, I would caution

0:38:18.360 --> 0:38:20.839
<v Speaker 2>you because you don't want your dog to bankrupt your

0:38:20.840 --> 0:38:24.440
<v Speaker 2>emergency savings. You know that you don't want to like

0:38:24.480 --> 0:38:26.719
<v Speaker 2>put your financial security at risk like that. So maybe

0:38:26.760 --> 0:38:29.879
<v Speaker 2>pet insurance, you know, makes sense for now, And and

0:38:29.960 --> 0:38:32.799
<v Speaker 2>once you get once you get more comfortable with where

0:38:32.800 --> 0:38:35.400
<v Speaker 2>your emergency savings is at, you can start a separate fund,

0:38:35.800 --> 0:38:38.440
<v Speaker 2>you know, for your pet as well. It took me

0:38:38.480 --> 0:38:39.719
<v Speaker 2>a while to get here to where I had a

0:38:39.719 --> 0:38:43.080
<v Speaker 2>separate savings account for my dog. And I waited until

0:38:43.080 --> 0:38:45.400
<v Speaker 2>I got a dog, you know, for a reason, not

0:38:45.480 --> 0:38:47.279
<v Speaker 2>just because of the yard that I wanted to have

0:38:47.360 --> 0:38:51.120
<v Speaker 2>for the dog, but also I wanted to have you know.

0:38:52.680 --> 0:38:54.000
<v Speaker 1>Yeah, that's so.

0:38:55.120 --> 0:38:59.400
<v Speaker 2>Yeah, it's difficult. I don't think anyone ever regrets having insurance,

0:38:59.560 --> 0:39:03.080
<v Speaker 2>but yeah, it's that's how insurance works. Then that's the

0:39:03.200 --> 0:39:06.120
<v Speaker 2>dumb realization I had about life insurance. And I asked

0:39:06.160 --> 0:39:08.080
<v Speaker 2>my financial advisor. I was like, so, I just spend

0:39:08.080 --> 0:39:10.520
<v Speaker 2>one hundred dollars a month and like, if I don't die,

0:39:10.719 --> 0:39:14.120
<v Speaker 2>it just goes away. I don't get the money. She's like, yeah,

0:39:14.320 --> 0:39:15.880
<v Speaker 2>that's how insurance works.

0:39:16.440 --> 0:39:18.479
<v Speaker 1>Like, guess what on the side, you get to live

0:39:19.280 --> 0:39:20.240
<v Speaker 1>if you do die.

0:39:20.400 --> 0:39:22.880
<v Speaker 2>You know, your family will love the money, Like I

0:39:22.880 --> 0:39:25.280
<v Speaker 2>don't get to enjoy it because I'll be dead. Yeah

0:39:25.320 --> 0:39:28.839
<v Speaker 2>that hm. Anyway, so it's a I'm sorry, I can't

0:39:28.840 --> 0:39:30.960
<v Speaker 2>give you like a straight yes or no, but I

0:39:30.960 --> 0:39:34.839
<v Speaker 2>could see the argument either way, and yeah, it's all

0:39:34.840 --> 0:39:36.839
<v Speaker 2>I got. Tiffany, why don't you have a pet what's

0:39:36.880 --> 0:39:38.719
<v Speaker 2>what's happening? Doesn't Supergirl want a dog?

0:39:39.120 --> 0:39:41.719
<v Speaker 1>She wanted one first, hot second. But if you know Supergirl,

0:39:41.719 --> 0:39:43.840
<v Speaker 1>like I know Supergirl, she doesn't like outside, she doesn't

0:39:43.920 --> 0:39:46.600
<v Speaker 1>like bugs, she doesn't like this, she does I'm my girl,

0:39:46.800 --> 0:39:48.919
<v Speaker 1>do you know, like if that's a whole animal, she's

0:39:49.000 --> 0:39:52.200
<v Speaker 1>not prepared. And so she wanted one, just like as

0:39:52.200 --> 0:39:53.680
<v Speaker 1>a little kid when she was like steven or eight,

0:39:53.760 --> 0:39:56.239
<v Speaker 1>for like a good three months, and then she realized, wait,

0:39:56.840 --> 0:39:58.399
<v Speaker 1>I don't like any of the things that go along

0:39:58.440 --> 0:40:01.640
<v Speaker 1>with an animal. So yeah, I don't see her ever

0:40:01.760 --> 0:40:04.640
<v Speaker 1>getting an animal. And I wouldn't mind necessarily a cat,

0:40:04.880 --> 0:40:07.880
<v Speaker 1>I guess. But to me, dogs are a lot of work.

0:40:08.000 --> 0:40:11.600
<v Speaker 1>I mean, my Rihanna, Who's house I'm taking over right now?

0:40:11.680 --> 0:40:16.080
<v Speaker 1>She's got a dog, a big French bulldog named Henry. Henry.

0:40:16.440 --> 0:40:18.480
<v Speaker 2>Wait, French bulldogs are a little.

0:40:18.400 --> 0:40:21.719
<v Speaker 1>Oh well, maybe it's a.

0:40:20.760 --> 0:40:22.440
<v Speaker 2>The library ones like an English bulldog.

0:40:22.520 --> 0:40:25.000
<v Speaker 1>Yeah, English bulldog, that's what it is. I got my

0:40:25.239 --> 0:40:26.200
<v Speaker 1>regions mixed up.

0:40:26.920 --> 0:40:29.359
<v Speaker 2>Yeah, it's like all the frenchy lovers are like, how daring.

0:40:29.440 --> 0:40:33.719
<v Speaker 1>I know he's huge and we call him Handhand and

0:40:34.160 --> 0:40:37.560
<v Speaker 1>I'm like, yeah, I love Hanhand from Afar and it's

0:40:37.600 --> 0:40:39.759
<v Speaker 1>a lot. So yeah, like I said, I could see

0:40:39.760 --> 0:40:41.840
<v Speaker 1>myself maybe with the pet I don't know, cat scratch

0:40:41.920 --> 0:40:44.040
<v Speaker 1>things up. I don't have the patience for the scratchy

0:40:44.040 --> 0:40:45.399
<v Speaker 1>scratchy so.

0:40:45.440 --> 0:40:50.160
<v Speaker 2>Catch Yeah, just wondering. All right, awesome, Well, thank you

0:40:50.200 --> 0:40:52.400
<v Speaker 2>for that question. Let's get to another one. How much

0:40:52.440 --> 0:40:55.360
<v Speaker 2>time do we have to When is your free office expired?

0:40:56.440 --> 0:40:59.080
<v Speaker 2>We could take one more, all right, sabulus. This one

0:40:59.160 --> 0:41:02.319
<v Speaker 2>is from someone in wants remain anonymous. Mysterious. All right,

0:41:02.320 --> 0:41:05.120
<v Speaker 2>but this is an interesting question. This listener says, I'm

0:41:05.160 --> 0:41:08.319
<v Speaker 2>currently struggling with contentment. My fiancee and I were going

0:41:08.360 --> 0:41:10.279
<v Speaker 2>to quit our jobs and move out of state after

0:41:10.320 --> 0:41:12.400
<v Speaker 2>we got married this summer, but then our wedding was

0:41:12.440 --> 0:41:16.200
<v Speaker 2>canceled due to the COVID situation. Now we'll be in

0:41:16.239 --> 0:41:18.439
<v Speaker 2>our current place for another year, and I don't really

0:41:18.440 --> 0:41:20.120
<v Speaker 2>want to stay at my job, but they've been so

0:41:20.200 --> 0:41:22.600
<v Speaker 2>great to me. Back in March, they laid off twenty

0:41:22.680 --> 0:41:24.799
<v Speaker 2>percent of the company, and my boss asked me if

0:41:24.840 --> 0:41:26.839
<v Speaker 2>I could scale back in my current role and work

0:41:26.840 --> 0:41:29.040
<v Speaker 2>in a different one. At the time, I didn't mind

0:41:29.040 --> 0:41:31.120
<v Speaker 2>because I was so gracious to even have a job,

0:41:31.480 --> 0:41:33.920
<v Speaker 2>especially when we initially plan on moving in a few months.

0:41:34.160 --> 0:41:36.440
<v Speaker 2>But now it's six months later and I'm still working

0:41:36.520 --> 0:41:38.040
<v Speaker 2>in the other role, and I feel like I'm not

0:41:38.120 --> 0:41:41.440
<v Speaker 2>advancing in my career skill wise or financially. Would it

0:41:41.520 --> 0:41:43.960
<v Speaker 2>be crazy to get another job knowing I'd be there

0:41:43.960 --> 0:41:46.239
<v Speaker 2>for only a year? Or should I just tough it

0:41:46.239 --> 0:41:48.640
<v Speaker 2>out at my current place and be grateful? So many

0:41:48.719 --> 0:41:51.040
<v Speaker 2>people don't even have jobs right now.

0:41:51.800 --> 0:41:52.440
<v Speaker 3>There's a lot of.

0:41:52.400 --> 0:41:56.240
<v Speaker 2>Emotions yet it is good quote, but this is probably

0:41:56.239 --> 0:41:57.920
<v Speaker 2>this is a great question because a lot of people

0:41:57.960 --> 0:42:00.480
<v Speaker 2>probably like, if you weren't at a it's kind of

0:42:00.560 --> 0:42:03.040
<v Speaker 2>like you're stuck. Even people who like broke up right

0:42:03.080 --> 0:42:05.480
<v Speaker 2>before the COVID pandemic and ended up still living together

0:42:05.800 --> 0:42:08.840
<v Speaker 2>because you know, they couldn't just like leave during a pandemic,

0:42:08.880 --> 0:42:10.319
<v Speaker 2>and they're like, oh, man, I hate you, but I'm

0:42:10.400 --> 0:42:13.200
<v Speaker 2>just stuck with you in this apartment or whatever. You're

0:42:13.239 --> 0:42:14.960
<v Speaker 2>like stuck in a job that you don't like, but

0:42:15.000 --> 0:42:18.359
<v Speaker 2>it's a job that you feel grateful to have, and

0:42:18.400 --> 0:42:21.600
<v Speaker 2>you're wondering, should I just be grateful and stay here,

0:42:21.680 --> 0:42:23.520
<v Speaker 2>or you know, would it be crazy for me to

0:42:23.560 --> 0:42:25.200
<v Speaker 2>move on despite how good they've been to.

0:42:25.160 --> 0:42:30.759
<v Speaker 1>Me, I'm learning that. I mean, it's a job, and

0:42:30.840 --> 0:42:33.319
<v Speaker 1>so I think that you should do what's best for you.

0:42:34.400 --> 0:42:36.080
<v Speaker 1>I know it's hard. I mean I don't think that

0:42:36.160 --> 0:42:38.880
<v Speaker 1>you should not think about, you know, the company they

0:42:38.960 --> 0:42:41.400
<v Speaker 1>work for, especially if they've treated you well. But I

0:42:41.480 --> 0:42:45.600
<v Speaker 1>do think that ultimately you have to do what's best

0:42:45.640 --> 0:42:49.040
<v Speaker 1>for you and try to lighten the blow as much

0:42:49.080 --> 0:42:51.400
<v Speaker 1>as you can for the company. So you might, you know,

0:42:51.440 --> 0:42:53.640
<v Speaker 1>stay on two weeks to help train somebody or whatever

0:42:53.680 --> 0:42:57.360
<v Speaker 1>that looks like. But I wouldn't. I wouldn't stay in

0:42:57.440 --> 0:43:01.759
<v Speaker 1>a place where I'm unhappy because the company. You know,

0:43:02.440 --> 0:43:04.200
<v Speaker 1>you feel like, oh, you know, they kept me on

0:43:04.239 --> 0:43:06.000
<v Speaker 1>because guess what, there are twenty percent of people that

0:43:06.040 --> 0:43:08.439
<v Speaker 1>they didn't keep on. They did what was best for them.

0:43:08.760 --> 0:43:11.040
<v Speaker 1>As by way, those those twenty percent, you.

0:43:11.000 --> 0:43:14.080
<v Speaker 2>Know, just laughing on the babies are very wild here.

0:43:15.320 --> 0:43:18.399
<v Speaker 2>Socials dinner in that up. So a good point.

0:43:18.600 --> 0:43:19.919
<v Speaker 1>So that's what I just say, like, you know, because

0:43:19.960 --> 0:43:21.680
<v Speaker 1>I mean I've been struggling to have a decision that

0:43:21.719 --> 0:43:23.920
<v Speaker 1>I have to make it I'm like, ah, I'm this closed.

0:43:23.920 --> 0:43:25.759
<v Speaker 1>I was this close to making a decision for what's

0:43:25.800 --> 0:43:29.520
<v Speaker 1>best for the other, like group involved and I was like, well,

0:43:29.560 --> 0:43:32.600
<v Speaker 1>so you're gonna make a choice that could affect you

0:43:32.680 --> 0:43:34.320
<v Speaker 1>for the rest of your life because you're like, I

0:43:34.360 --> 0:43:36.920
<v Speaker 1>don't want somebody to be disappointed in me. I want us,

0:43:37.040 --> 0:43:40.360
<v Speaker 1>especially as women, to like break out of that habit

0:43:41.040 --> 0:43:44.359
<v Speaker 1>because it's not helpful. And the truth is whatever that

0:43:44.440 --> 0:43:48.279
<v Speaker 1>other person or organization will, they will rebalance and they

0:43:48.320 --> 0:43:52.040
<v Speaker 1>will manage. And so it's your responsibility to take care

0:43:52.040 --> 0:43:55.239
<v Speaker 1>of yourself. It's not someone else's responsibility to take care

0:43:55.280 --> 0:43:58.720
<v Speaker 1>of you. And so that's yeah, I think that's really important.

0:43:58.719 --> 0:44:00.960
<v Speaker 1>That's something that's a lesson that we all need to learn.

0:44:01.000 --> 0:44:03.279
<v Speaker 1>They're like, Okay, I have to take care learn to

0:44:03.320 --> 0:44:05.360
<v Speaker 1>take care of myself now, not doing so in a

0:44:05.400 --> 0:44:09.440
<v Speaker 1>way that's purposely harmful to others, you know, but to

0:44:09.560 --> 0:44:11.719
<v Speaker 1>do so, like okay, well, what is it that I

0:44:11.840 --> 0:44:15.040
<v Speaker 1>need to be happy, to be joyful, to be successful

0:44:15.080 --> 0:44:17.560
<v Speaker 1>and work toward that with integrity, and that's all that

0:44:17.600 --> 0:44:18.400
<v Speaker 1>can be asked of you.

0:44:19.600 --> 0:44:22.279
<v Speaker 2>Yeah. Absolutely, And you've given them six months, and I

0:44:22.320 --> 0:44:25.359
<v Speaker 2>think the gratitude goes both ways. You stayed with them,

0:44:25.400 --> 0:44:27.319
<v Speaker 2>they should be grateful for you that you're willing to

0:44:27.360 --> 0:44:29.480
<v Speaker 2>switch jobs. Essentially is what it sounds like and do

0:44:29.520 --> 0:44:32.080
<v Speaker 2>something different to feel the need that they have given

0:44:32.080 --> 0:44:34.200
<v Speaker 2>that they had to lay off a fifth of their company,

0:44:34.520 --> 0:44:37.280
<v Speaker 2>so they should feel gracious toward you. And of course

0:44:37.640 --> 0:44:39.600
<v Speaker 2>I feel the same way. I'm grateful to have a job.

0:44:40.040 --> 0:44:43.000
<v Speaker 2>But at the same time, you should like treat this

0:44:43.080 --> 0:44:46.399
<v Speaker 2>like a relationship, a healthy one anyway. I know there's

0:44:46.440 --> 0:44:49.560
<v Speaker 2>some toxic relationship behaviors, but one of the things you

0:44:49.600 --> 0:44:51.279
<v Speaker 2>have to do is that other person is not a

0:44:51.280 --> 0:44:54.160
<v Speaker 2>mind reader, right, so you know, if you like, I

0:44:54.200 --> 0:44:57.520
<v Speaker 2>would tell your boss in a way that you feel

0:44:57.560 --> 0:45:00.319
<v Speaker 2>comfortable doing. You know, tell them, Hey, it's been six

0:45:00.360 --> 0:45:02.919
<v Speaker 2>months you asked me to kind of pivot and take

0:45:02.920 --> 0:45:04.960
<v Speaker 2>on this different role. Is there any chance you can

0:45:04.960 --> 0:45:06.719
<v Speaker 2>get back to doing what I was doing? Or can

0:45:06.760 --> 0:45:09.040
<v Speaker 2>we Is it now okay for us to talk about

0:45:09.280 --> 0:45:11.400
<v Speaker 2>the next step for me, because I do want to advance,

0:45:11.760 --> 0:45:14.080
<v Speaker 2>and would I would play I would be transparent and

0:45:14.120 --> 0:45:16.359
<v Speaker 2>tell them honestly where you're at and where you want

0:45:16.360 --> 0:45:20.040
<v Speaker 2>to be. And I recently did this and I have

0:45:20.120 --> 0:45:23.080
<v Speaker 2>done at ut jobs before where you have a frank

0:45:23.120 --> 0:45:25.560
<v Speaker 2>discussion and it doesn't have to be you come to

0:45:25.560 --> 0:45:27.560
<v Speaker 2>the table with the perfect vision of what you want

0:45:27.600 --> 0:45:30.600
<v Speaker 2>to achieve written out, but you come to the table

0:45:30.640 --> 0:45:34.360
<v Speaker 2>because you want to express to them, Hey, I want

0:45:34.400 --> 0:45:36.960
<v Speaker 2>to if I'm going to stay here for a while,

0:45:37.120 --> 0:45:39.520
<v Speaker 2>I would like to know that there's opportunities for me

0:45:39.560 --> 0:45:42.759
<v Speaker 2>here that I can continue to advance. And I think

0:45:42.800 --> 0:45:45.280
<v Speaker 2>it's been long enough in the pandemic. Although it probably

0:45:45.280 --> 0:45:48.600
<v Speaker 2>depends on your industry and even where you're at geographically,

0:45:49.000 --> 0:45:51.319
<v Speaker 2>you know how your company like, what the prospect is

0:45:51.320 --> 0:45:53.279
<v Speaker 2>looking like or the future is looking like for them.

0:45:53.680 --> 0:45:56.279
<v Speaker 2>But for a lot of businesses now I feel like

0:45:56.320 --> 0:45:58.759
<v Speaker 2>the light at the end of the tunnel is approaching

0:46:00.400 --> 0:46:02.200
<v Speaker 2>or they can see it, and they're starting to think

0:46:02.280 --> 0:46:05.880
<v Speaker 2>past this crazy time and they may be open to

0:46:05.920 --> 0:46:08.960
<v Speaker 2>having that conversation. And at least at that point you've

0:46:09.040 --> 0:46:12.160
<v Speaker 2>laid your cards on the table, and if you want

0:46:12.160 --> 0:46:14.799
<v Speaker 2>to start looking for another role somewhere else, then you

0:46:14.840 --> 0:46:17.640
<v Speaker 2>can start doing that. The timing of it, because she

0:46:17.760 --> 0:46:20.360
<v Speaker 2>says basically like they'd still want to move out of

0:46:20.400 --> 0:46:23.560
<v Speaker 2>state after they get married, and if she were to

0:46:23.600 --> 0:46:25.600
<v Speaker 2>take a different job right now, she'd only be there

0:46:25.640 --> 0:46:27.439
<v Speaker 2>for a year because their plan is still to move.

0:46:27.800 --> 0:46:30.640
<v Speaker 2>And do we think that's crazy. We actually recently took

0:46:30.640 --> 0:46:33.960
<v Speaker 2>a question about this similar like what happens if I

0:46:34.000 --> 0:46:36.680
<v Speaker 2>start a job and then quit it very quickly after starting?

0:46:38.120 --> 0:46:42.040
<v Speaker 2>That's tricky. Yeah, taking a job knowing that you're about

0:46:42.080 --> 0:46:44.480
<v Speaker 2>to leave within a year, I mean, yang, that's not

0:46:44.520 --> 0:46:47.040
<v Speaker 2>the best. And would it be a job that you

0:46:47.080 --> 0:46:48.719
<v Speaker 2>could work remotely at? I don't know.

0:46:48.920 --> 0:46:50.920
<v Speaker 1>Yes, I would still look because you're right, it might be,

0:46:51.040 --> 0:46:54.399
<v Speaker 1>especially with what's happening now, like the opportunity to get

0:46:54.440 --> 0:46:57.960
<v Speaker 1>a job remote a remote job is way higher. Also, too,

0:46:58.040 --> 0:47:00.000
<v Speaker 1>you might take a job as like a contract job,

0:47:00.560 --> 0:47:03.359
<v Speaker 1>which it is a year, So I wouldn't. Every job

0:47:03.480 --> 0:47:05.960
<v Speaker 1>is not expecting you to stay on for thirty years,

0:47:06.040 --> 0:47:09.000
<v Speaker 1>you know, So I wouldn't take it off the table

0:47:09.040 --> 0:47:10.799
<v Speaker 1>because you're like, I'm only gonna be here for a year.

0:47:10.960 --> 0:47:13.320
<v Speaker 1>But not necessarily because to Mandy's point, it might be

0:47:13.360 --> 0:47:15.600
<v Speaker 1>a job that's really flexible that you can live wherever

0:47:15.640 --> 0:47:17.720
<v Speaker 1>in order to do so. So I would at least

0:47:17.800 --> 0:47:20.759
<v Speaker 1>look and look for something within the parameters. What would

0:47:20.840 --> 0:47:22.960
<v Speaker 1>make you feel like it's fair, Like, Okay, you know what,

0:47:22.960 --> 0:47:25.560
<v Speaker 1>I'm gonna look for a contract work where it is

0:47:25.560 --> 0:47:27.440
<v Speaker 1>a year's worth, and or I'm gonna look for a

0:47:27.520 --> 0:47:29.719
<v Speaker 1>job that I can take with me, so you know,

0:47:29.920 --> 0:47:33.240
<v Speaker 1>just keep your keep your your options open and definitely

0:47:33.280 --> 0:47:34.560
<v Speaker 1>look all.

0:47:34.600 --> 0:47:37.680
<v Speaker 2>Right, Well, thank you very much for your questions, and

0:47:37.760 --> 0:47:41.520
<v Speaker 2>that's a wrap for the question segment. You're gonna boost

0:47:41.520 --> 0:47:43.600
<v Speaker 2>a break? Wait, I saw your intro, you do it?

0:47:44.280 --> 0:47:46.560
<v Speaker 1>Are you gonna boost or are you gonna I'm actually

0:47:46.560 --> 0:47:48.239
<v Speaker 1>going to deferm my my boost to you because my

0:47:48.239 --> 0:47:52.680
<v Speaker 1>boost was gonna be Comela since I'm short on time,

0:47:52.840 --> 0:47:55.280
<v Speaker 1>so that's my boost if I'm Kamala.

0:47:55.440 --> 0:47:58.280
<v Speaker 2>But okay, that's fine. At least you didn't say kampala,

0:47:58.719 --> 0:48:03.080
<v Speaker 2>which is also trending on Twitter. Do better, y'all. I

0:48:03.080 --> 0:48:06.160
<v Speaker 2>don't know if it's autocorrect or what is happening. Maybe,

0:48:06.200 --> 0:48:09.560
<v Speaker 2>like she, I don't know, people are writing kampala. Yeah,

0:48:09.600 --> 0:48:12.400
<v Speaker 2>I want to do a brown boost for one for

0:48:12.520 --> 0:48:15.680
<v Speaker 2>the Brian Ambish and listener Stacy, who reached out to

0:48:15.719 --> 0:48:17.680
<v Speaker 2>me because she saw I was a woman in need

0:48:17.800 --> 0:48:20.160
<v Speaker 2>and she guessed correctly that she and I live in

0:48:20.200 --> 0:48:22.440
<v Speaker 2>the same neighborhood almost kind of in the same town,

0:48:22.840 --> 0:48:24.520
<v Speaker 2>and she offered to do my hair for me, and

0:48:24.560 --> 0:48:27.080
<v Speaker 2>little did she know, but I was really having a

0:48:27.120 --> 0:48:29.359
<v Speaker 2>hard time finding a natural hair salon where I live.

0:48:29.760 --> 0:48:32.160
<v Speaker 2>In the suburbs outside of New York City, and she

0:48:32.320 --> 0:48:35.000
<v Speaker 2>was fantastic, and so Hugh was shout out and thank

0:48:35.040 --> 0:48:37.239
<v Speaker 2>you to Stacy. I paid her. She did not do

0:48:37.280 --> 0:48:40.239
<v Speaker 2>it for free for those who were wondering. And I

0:48:40.280 --> 0:48:42.640
<v Speaker 2>sat there with her, and I had actually been going

0:48:42.719 --> 0:48:45.880
<v Speaker 2>to I had been going. I went one time to

0:48:46.000 --> 0:48:48.200
<v Speaker 2>a hair salon in the last well not even the

0:48:48.280 --> 0:48:51.000
<v Speaker 2>last year. It was before I had the baby, and

0:48:51.320 --> 0:48:55.120
<v Speaker 2>she it's a curly hair salon, but you know, it's

0:48:55.120 --> 0:48:57.920
<v Speaker 2>owned by a white woman, and her clientele is a

0:48:57.920 --> 0:49:01.440
<v Speaker 2>lot of like I saw a lot. I saw several,

0:49:02.120 --> 0:49:05.120
<v Speaker 2>you know, women of color walk through and get their

0:49:05.120 --> 0:49:06.759
<v Speaker 2>hair done or at least coming through to talk to

0:49:06.800 --> 0:49:09.279
<v Speaker 2>her while I was there, And honestly, I felt some

0:49:09.400 --> 0:49:11.319
<v Speaker 2>kind of way, especially in the last few months, thinking

0:49:11.360 --> 0:49:14.200
<v Speaker 2>about trying to promote or not promote, but like, you know,

0:49:14.600 --> 0:49:17.319
<v Speaker 2>vote with my dollars and take my money to more

0:49:17.360 --> 0:49:20.040
<v Speaker 2>black owned businesses. So when I was when I was

0:49:20.120 --> 0:49:23.200
<v Speaker 2>rebooking an appointment with that salon, I was kind of thinking, like, man,

0:49:23.239 --> 0:49:25.680
<v Speaker 2>I wish there were a black owned, like a natural

0:49:25.680 --> 0:49:27.160
<v Speaker 2>hair salon near me that I knew of. And so

0:49:27.280 --> 0:49:29.960
<v Speaker 2>Stacy's message came at the exact right time, and I

0:49:30.000 --> 0:49:32.080
<v Speaker 2>was so glad to get to work with her. And

0:49:33.160 --> 0:49:36.680
<v Speaker 2>also the I found a great photographer out here just

0:49:36.719 --> 0:49:39.640
<v Speaker 2>by posting in our my local you know, Moms of

0:49:40.800 --> 0:49:43.279
<v Speaker 2>my town Facebook group looking and I just like asked

0:49:43.280 --> 0:49:44.879
<v Speaker 2>for what I was looking for. Hey, guys, I really

0:49:44.920 --> 0:49:46.640
<v Speaker 2>want to get some headshots done. I'd love to work

0:49:46.640 --> 0:49:48.200
<v Speaker 2>with a woman of color. Do you know anybody? And

0:49:48.719 --> 0:49:51.759
<v Speaker 2>her name came up and it was a really great experience.

0:49:51.800 --> 0:49:55.120
<v Speaker 2>So it took a little bit of extra Googles or

0:49:55.239 --> 0:49:58.240
<v Speaker 2>searching or whatnot. Well, actually none in the case of Stacy.

0:49:58.360 --> 0:50:02.520
<v Speaker 2>She just fell into my lap. But you know, if

0:50:02.560 --> 0:50:05.080
<v Speaker 2>y'all are out there wondering, you know, where are the

0:50:05.080 --> 0:50:07.920
<v Speaker 2>black owned businesses If they're not easy to find for

0:50:07.960 --> 0:50:10.960
<v Speaker 2>whatever reason, I think just raising a hand, asking your

0:50:11.000 --> 0:50:13.400
<v Speaker 2>circle and trying to go find them, you know, it

0:50:13.440 --> 0:50:17.160
<v Speaker 2>matters in some small way. So that made me feel good.

0:50:17.920 --> 0:50:19.879
<v Speaker 1>But I will pull all the apb out if any

0:50:19.920 --> 0:50:23.080
<v Speaker 1>of you guys know an illustrator. I want to build

0:50:23.160 --> 0:50:25.760
<v Speaker 1>up Molly Moore's my children's book.

0:50:26.640 --> 0:50:28.360
<v Speaker 2>Have we even talked about Molly Moore in a while?

0:50:28.680 --> 0:50:32.120
<v Speaker 1>Yeah? So we've sold like ten thousand books isn't that crazy?

0:50:32.320 --> 0:50:35.080
<v Speaker 2>What know, it's not crazy, but that's exciting.

0:50:35.400 --> 0:50:39.000
<v Speaker 1>Yeah. So it's just so, yeah, we sold I'm printing

0:50:39.080 --> 0:50:44.160
<v Speaker 1>like another ten thousand a month or so because there's

0:50:44.200 --> 0:50:48.440
<v Speaker 1>maybe like fifteen hundred if that book's left at the distributor.

0:50:49.440 --> 0:50:51.000
<v Speaker 1>So for those of you who are new, I wrote

0:50:51.000 --> 0:50:54.200
<v Speaker 1>a children's book called Happy Birthday Molly Moore. I did

0:50:54.200 --> 0:50:57.440
<v Speaker 1>a Kickstarter where basically I asked people to purchase a

0:50:57.440 --> 0:50:59.279
<v Speaker 1>book and put a little extra s thank on it

0:50:59.320 --> 0:51:02.040
<v Speaker 1>because for every book purchase, I was able to then

0:51:02.120 --> 0:51:05.280
<v Speaker 1>print a second book to donate. So we were able

0:51:05.400 --> 0:51:08.880
<v Speaker 1>to get I think just under three thousand books purchased

0:51:08.880 --> 0:51:12.680
<v Speaker 1>and donated, so the donation unfortunately, they're still sitting at

0:51:12.680 --> 0:51:15.799
<v Speaker 1>the warehouse separately because the schools have not been opened,

0:51:15.800 --> 0:51:19.799
<v Speaker 1>because we're donating them to like in mass, to specific schools.

0:51:20.520 --> 0:51:23.440
<v Speaker 1>But anyway, saying all that said, yeah, we sold like

0:51:23.480 --> 0:51:27.280
<v Speaker 1>ten thousand books and we're printing another printing. I remember

0:51:27.320 --> 0:51:30.560
<v Speaker 1>when I was printing ten thousand, the distributor was like,

0:51:30.920 --> 0:51:34.600
<v Speaker 1>are you sure we don't people don't typically sell that many,

0:51:34.600 --> 0:51:36.640
<v Speaker 1>and I was nervous, like, I don't know, maybe I'm wrong,

0:51:37.040 --> 0:51:39.240
<v Speaker 1>but sure enough in like two and a half months gone.

0:51:40.320 --> 0:51:45.680
<v Speaker 1>So you can find Molly Moore at Mali mollymore dot com.

0:51:45.719 --> 0:51:49.440
<v Speaker 1>It just teaches age appropriate financial education to your little ones,

0:51:49.800 --> 0:51:52.960
<v Speaker 1>ideally ages three to seven, but certainly younger and certainly older.

0:51:53.600 --> 0:51:55.359
<v Speaker 1>It's just about a little girl to her birthday and

0:51:55.840 --> 0:51:59.680
<v Speaker 1>she has to learn the lesson of like what really

0:51:59.719 --> 0:52:00.920
<v Speaker 1>mattered most.

0:52:01.040 --> 0:52:04.719
<v Speaker 4>Family, a lot of very generous friends, yes, family and

0:52:04.760 --> 0:52:06.520
<v Speaker 4>friends or gifts instead.

0:52:06.800 --> 0:52:08.879
<v Speaker 1>And so I say all that to say that I

0:52:08.960 --> 0:52:10.680
<v Speaker 1>like I have. I've been having all these other projects

0:52:10.719 --> 0:52:13.400
<v Speaker 1>that I've been working on, and I've kind of neglected

0:52:13.560 --> 0:52:16.080
<v Speaker 1>Molly as far as like what I've been wanting to do.

0:52:16.200 --> 0:52:20.160
<v Speaker 1>So I want to I have the molly More YouTube channel.

0:52:20.200 --> 0:52:22.480
<v Speaker 1>There's nothing on it though, but I would love to

0:52:22.560 --> 0:52:25.320
<v Speaker 1>start to do an animated series that can start teaching

0:52:26.400 --> 0:52:30.680
<v Speaker 1>specific lessons. And I'm looking for an animator who can help.

0:52:31.480 --> 0:52:34.160
<v Speaker 1>Obviously I'm paying. So if you know an animator, if

0:52:34.200 --> 0:52:38.960
<v Speaker 1>you're an animator yourself, if you can go to the

0:52:39.560 --> 0:52:42.560
<v Speaker 1>budget Lesta dot com and just click contact me and

0:52:42.600 --> 0:52:44.880
<v Speaker 1>just type in like the subject line like animator and

0:52:44.920 --> 0:52:47.600
<v Speaker 1>then yeah, or maybe you know someone send me their link.

0:52:47.680 --> 0:52:51.520
<v Speaker 1>If you're you have like a website, send that or whatever. Like,

0:52:51.520 --> 0:52:53.520
<v Speaker 1>I don't think you're allowed to attach your portfolio, but

0:52:53.600 --> 0:52:56.000
<v Speaker 1>you can certainly send a link to things and we

0:52:56.080 --> 0:52:58.640
<v Speaker 1>might request a portfolio or well, I'm assuming if you're

0:52:58.640 --> 0:53:01.600
<v Speaker 1>an animator, you'll have a link to your work. Yeah,

0:53:01.640 --> 0:53:04.560
<v Speaker 1>because I just I'm excited because I feel like there's

0:53:04.640 --> 0:53:08.279
<v Speaker 1>something special with Molly Moore and I, you know, I

0:53:08.360 --> 0:53:10.160
<v Speaker 1>just want to see it all the way through. So

0:53:10.480 --> 0:53:13.719
<v Speaker 1>I just, yeah, that's my app I'm just reaching out for.

0:53:13.840 --> 0:53:16.839
<v Speaker 1>I would prefer a black or brown animator, but it's

0:53:16.920 --> 0:53:20.880
<v Speaker 1>not a deal breaker if they're awesome. Like to me,

0:53:20.960 --> 0:53:22.880
<v Speaker 1>it was a deal breaker. The illustrator had to be

0:53:22.920 --> 0:53:26.040
<v Speaker 1>black or brown, and he was Jazz is African American,

0:53:26.280 --> 0:53:27.960
<v Speaker 1>because that was just really important to me that when

0:53:28.000 --> 0:53:30.239
<v Speaker 1>you open the book and you see my picture, and

0:53:30.280 --> 0:53:32.279
<v Speaker 1>you see Jazz's picture, and you see Rihanna, who was

0:53:32.280 --> 0:53:35.000
<v Speaker 1>our art director, when you see their picture, it's animated picture,

0:53:35.040 --> 0:53:37.800
<v Speaker 1>but still or illustrated picture, but still it was important

0:53:37.800 --> 0:53:40.360
<v Speaker 1>to me that those pictures were black and brown people,

0:53:41.160 --> 0:53:42.879
<v Speaker 1>just because I knew those books were being the hand

0:53:42.880 --> 0:53:44.839
<v Speaker 1>of hands of little children who might not have ever

0:53:44.880 --> 0:53:48.839
<v Speaker 1>seen that. But for animation, it's different. You don't get

0:53:48.840 --> 0:53:51.640
<v Speaker 1>to see who's drawing it. So I'm open to receiving

0:53:51.680 --> 0:53:54.799
<v Speaker 1>animation requests from a wide range of people, although I

0:53:54.840 --> 0:53:58.160
<v Speaker 1>do have a preference. So yeah, that's it. Get you

0:53:58.200 --> 0:54:00.800
<v Speaker 1>a book if you haven't already. Molly Moore m A

0:54:00.960 --> 0:54:03.319
<v Speaker 1>L M R E M.

0:54:03.360 --> 0:54:07.120
<v Speaker 2>A love it. Okay, Well that's fine. I mean, I've

0:54:07.160 --> 0:54:09.839
<v Speaker 2>struck my husband always rolls his eyes when I specifically

0:54:09.920 --> 0:54:11.840
<v Speaker 2>say I would love this person this role to be

0:54:11.840 --> 0:54:13.839
<v Speaker 2>filled by a person of color. It does not mean

0:54:13.880 --> 0:54:16.120
<v Speaker 2>that we're taking like it's not like we're saying no

0:54:16.520 --> 0:54:18.880
<v Speaker 2>to candidates who are not people of color. It is

0:54:18.920 --> 0:54:21.799
<v Speaker 2>about it is about making sure that the people that

0:54:21.880 --> 0:54:24.920
<v Speaker 2>you have at the table, in the pool of potential candidates,

0:54:24.960 --> 0:54:28.600
<v Speaker 2>that you're at least seeing a diverse group of candidates

0:54:28.640 --> 0:54:29.880
<v Speaker 2>so that people have a chance.

0:54:29.920 --> 0:54:30.239
<v Speaker 1>That's it.

0:54:31.160 --> 0:54:33.200
<v Speaker 2>And yeah, it's a little uncomfortable for people to hear

0:54:33.239 --> 0:54:34.920
<v Speaker 2>that kind of thing, but I don't think there's anything

0:54:35.360 --> 0:54:37.920
<v Speaker 2>to be shy about when you when you specifically intentionally

0:54:37.960 --> 0:54:40.399
<v Speaker 2>say you're looking for this type of person. I mean

0:54:40.440 --> 0:54:42.560
<v Speaker 2>Biden for of reasons that he was going to look

0:54:42.600 --> 0:54:46.080
<v Speaker 2>for a woman. It's okay, exactly, and I think that

0:54:46.080 --> 0:54:47.719
<v Speaker 2>that is, we have to dig and we're comfortable with it,

0:54:47.800 --> 0:54:50.760
<v Speaker 2>or else we're never going to fix, you know, those issues.

0:54:50.760 --> 0:54:52.839
<v Speaker 2>But that's a whole different I'm just starting a whole

0:54:52.880 --> 0:54:58.600
<v Speaker 2>new show here. Well, thank y'all for participating in another

0:54:58.600 --> 0:55:01.439
<v Speaker 2>episode of Brand Ambition. As we said on last week's show,

0:55:01.640 --> 0:55:04.879
<v Speaker 2>shout us out, Tell a friend, Tell a friend. We've

0:55:04.920 --> 0:55:07.239
<v Speaker 2>really grown the show over the last few months, even

0:55:07.360 --> 0:55:09.680
<v Speaker 2>in the time of COVID, which is insane to us.

0:55:10.000 --> 0:55:12.080
<v Speaker 2>But leave us a comment, leave us a review. It

0:55:12.160 --> 0:55:15.399
<v Speaker 2>helps us appear more prominently in iTunes if you guys

0:55:15.480 --> 0:55:18.080
<v Speaker 2>rate us and leave a review, especially a five star

0:55:18.160 --> 0:55:21.960
<v Speaker 2>review if you you know so choose, that would be fabulous,

0:55:22.200 --> 0:55:25.320
<v Speaker 2>And then post, you know, tag us on Instagram, on Twitter,

0:55:25.360 --> 0:55:27.919
<v Speaker 2>on Facebook when you're sharing the show, and just let

0:55:28.000 --> 0:55:30.719
<v Speaker 2>folks know. Don't let us be a secret, let your

0:55:30.840 --> 0:55:32.759
<v Speaker 2>let people know, share the love, let them know that

0:55:32.800 --> 0:55:34.680
<v Speaker 2>we exist and that we are here for them as well.

0:55:34.920 --> 0:55:45.640
<v Speaker 3>Yes,