1 00:00:05,200 --> 00:00:12,560 Speaker 1: Hey, hey, Hey, I'm back. I'm black. Boo boo boo 2 00:00:12,960 --> 00:00:22,759 Speaker 1: boo boo boo boo boo Brown. Ambition, ambition, ambition, ambition, ambition. 3 00:00:23,720 --> 00:00:25,919 Speaker 1: If you don't watch us on YouTube, you need to 4 00:00:26,120 --> 00:00:27,920 Speaker 1: sidebar Man is out here. She might come later. I 5 00:00:27,960 --> 00:00:29,200 Speaker 1: know she put the baby down, but you know, I 6 00:00:29,280 --> 00:00:31,880 Speaker 1: got y'all. Either way, it's gonna be like an update 7 00:00:31,920 --> 00:00:35,000 Speaker 1: episode because you know, some bangs have been happening. But 8 00:00:35,280 --> 00:00:36,800 Speaker 1: if you don't watch us on YouTube, you need to 9 00:00:37,000 --> 00:00:42,360 Speaker 1: because our PRODUCERMANI, she was like, girl, these brows. She 10 00:00:42,400 --> 00:00:44,680 Speaker 1: didn't say these lashes, but she ought to have these lashes. 11 00:00:45,200 --> 00:00:49,600 Speaker 1: This lippop girl, these edges, the hair, everything, the skin 12 00:00:49,760 --> 00:00:52,360 Speaker 1: is skinning. Yes, I'm digging myself up because I had 13 00:00:52,479 --> 00:00:55,240 Speaker 1: said in the beginning of the year that I wanted 14 00:00:55,280 --> 00:00:58,360 Speaker 1: to lean into my feminine because you know me in person. 15 00:00:58,440 --> 00:01:00,680 Speaker 1: You know I'm a huge time boyfe always been. But 16 00:01:00,840 --> 00:01:03,880 Speaker 1: you look at my nails. They're not long, but they're done. 17 00:01:04,120 --> 00:01:07,360 Speaker 1: I literally never never ever get my nails, son, but 18 00:01:07,400 --> 00:01:09,840 Speaker 1: I had been getting them done consistently, looking like a 19 00:01:09,959 --> 00:01:13,039 Speaker 1: girl in things. Yeah, I just want to lean into 20 00:01:13,040 --> 00:01:14,720 Speaker 1: my feminists. Just a part of myself that like, you know, 21 00:01:14,760 --> 00:01:16,960 Speaker 1: I've always been kind of a tomboy. Certainly when you 22 00:01:17,040 --> 00:01:19,000 Speaker 1: see me on the stage, your girl be dressed up. 23 00:01:20,480 --> 00:01:23,000 Speaker 1: But like in my day to day life, I made 24 00:01:23,360 --> 00:01:27,880 Speaker 1: zero effort. And I was just like, I don't you know, 25 00:01:28,120 --> 00:01:30,160 Speaker 1: like I want to feel good about when I wake 26 00:01:30,240 --> 00:01:31,679 Speaker 1: up and look in the mirror and all that kind 27 00:01:31,680 --> 00:01:33,839 Speaker 1: of stuff, And I just never thought about it, especially 28 00:01:33,840 --> 00:01:36,280 Speaker 1: when you have a partner that loves you, your stinky peet, 29 00:01:36,840 --> 00:01:38,400 Speaker 1: I had just not thought about it, and I probably 30 00:01:38,400 --> 00:01:40,200 Speaker 1: should have made a more effort then, but he never 31 00:01:40,240 --> 00:01:41,600 Speaker 1: made me feel like I had to make much of 32 00:01:41,640 --> 00:01:43,880 Speaker 1: an effort to be fly. But with that, I'm a 33 00:01:43,959 --> 00:01:47,080 Speaker 1: year I said, I wanted to lean and nick morph 34 00:01:47,120 --> 00:01:49,200 Speaker 1: an effort, and I have been. Your girl has been 35 00:01:49,200 --> 00:01:53,120 Speaker 1: getting her lashes done consistently. It costs lashes cost about 36 00:01:54,000 --> 00:01:56,480 Speaker 1: I think. I want to say, my lady charged me 37 00:01:56,640 --> 00:01:59,040 Speaker 1: like eighty dollars and I give her twenty dollars tips, 38 00:01:59,040 --> 00:02:02,000 Speaker 1: So like one hundred dollars every two weeks. Child, because 39 00:02:02,000 --> 00:02:05,560 Speaker 1: you know we do math financial math right here, Cause 40 00:02:05,720 --> 00:02:07,840 Speaker 1: it's first of all, I don't let me just dive 41 00:02:07,920 --> 00:02:10,120 Speaker 1: back and say the girls who have been keeping it 42 00:02:10,440 --> 00:02:12,840 Speaker 1: up and keeping it together. How are you avoiding it? 43 00:02:12,960 --> 00:02:16,240 Speaker 1: It's expressive. So let's talk about lashes. Eighty dollars every 44 00:02:16,280 --> 00:02:18,440 Speaker 1: two weeks, one hundred really, I give her tip. That's 45 00:02:18,480 --> 00:02:22,280 Speaker 1: two hundred dollars a month. Damn. Okay, Let's talk about brows. 46 00:02:22,400 --> 00:02:24,880 Speaker 1: The brows are not too expensive. They're fifteen dollars and 47 00:02:24,960 --> 00:02:26,960 Speaker 1: I get it done every two or three weeks. Let's 48 00:02:27,000 --> 00:02:29,000 Speaker 1: just say thirty bucks a month. Damn. So now we're 49 00:02:29,040 --> 00:02:34,239 Speaker 1: looking at two thirty okay, and then what's gotten to 50 00:02:34,320 --> 00:02:38,799 Speaker 1: be really expensive is skincare. I've always had decent skin, 51 00:02:38,880 --> 00:02:40,399 Speaker 1: but I didn't want to have decent skin. I wanted 52 00:02:40,440 --> 00:02:43,799 Speaker 1: to have damn you glowing? What you use? How old 53 00:02:43,840 --> 00:02:47,519 Speaker 1: are you skin? You know? And so skin products like 54 00:02:47,560 --> 00:02:50,520 Speaker 1: I use this thing old very sensitive skin. I mean 55 00:02:50,560 --> 00:02:53,040 Speaker 1: you breathe wrong and my skin breaks out in a 56 00:02:53,200 --> 00:02:57,200 Speaker 1: rash everything, And so I don't really have acne issues, 57 00:02:57,320 --> 00:02:59,800 Speaker 1: just like it's just really sensitive, like I can't wash 58 00:02:59,840 --> 00:03:02,880 Speaker 1: my clothes and just anything. I can't even wear certain 59 00:03:02,919 --> 00:03:05,640 Speaker 1: lip glosses without my lips breaking out. I've always had very, 60 00:03:05,720 --> 00:03:08,480 Speaker 1: very very sensitive skin, and so I use a bird 61 00:03:08,480 --> 00:03:12,800 Speaker 1: to be stuff. Ola. It's in a yellow orange container. 62 00:03:13,320 --> 00:03:16,920 Speaker 1: Ola Ola Henderson Odie Henderson Child they have a line, 63 00:03:17,360 --> 00:03:19,400 Speaker 1: and I like their skincare line because it doesn't break 64 00:03:19,440 --> 00:03:21,359 Speaker 1: me out and it gives me a little glow. I 65 00:03:21,480 --> 00:03:23,200 Speaker 1: wanted to use all you'all girls, I've been up on 66 00:03:23,280 --> 00:03:26,000 Speaker 1: that snail muslin whatever I tried, and my skin was 67 00:03:26,040 --> 00:03:28,480 Speaker 1: like you fool, Look how you're gonna look for the 68 00:03:28,560 --> 00:03:30,000 Speaker 1: next of the week. Rest of the week. So I 69 00:03:30,080 --> 00:03:35,080 Speaker 1: found an hypoallergenic replacement. But all these things are like 70 00:03:35,200 --> 00:03:37,720 Speaker 1: thirty dollars for this one little thing, forty dollars or 71 00:03:39,120 --> 00:03:42,160 Speaker 1: what I cost so much, so I think. And then 72 00:03:42,240 --> 00:03:45,800 Speaker 1: my hair, which I just get done mm retighten every 73 00:03:46,960 --> 00:03:49,680 Speaker 1: every I'm gonna say every month and a half, every 74 00:03:49,680 --> 00:03:50,840 Speaker 1: month and a half to two months, I get my 75 00:03:50,920 --> 00:03:54,840 Speaker 1: hair retightened. And so that costs me. How much do 76 00:03:54,960 --> 00:03:57,200 Speaker 1: I pay? I want to say? He told me? Is 77 00:03:57,240 --> 00:04:00,560 Speaker 1: it one twenty something like that? Say I give him 78 00:04:00,560 --> 00:04:02,920 Speaker 1: one fifty, right, or one eighty or something like that. 79 00:04:03,040 --> 00:04:05,080 Speaker 1: One fifty, but divide it by two seventy five dollars. 80 00:04:05,200 --> 00:04:09,960 Speaker 1: So we're looking at two thirty plus seventy five. You're 81 00:04:09,960 --> 00:04:12,240 Speaker 1: looking at about three hundred dollars plus the skin stuff. 82 00:04:12,520 --> 00:04:15,440 Speaker 1: Let's just say another fifty bucks, so like three hundred 83 00:04:15,440 --> 00:04:18,599 Speaker 1: and fifty bucks a month, just to say I woke 84 00:04:18,720 --> 00:04:22,200 Speaker 1: up like this, and I'm sure I'm forgetting things. Oh 85 00:04:22,320 --> 00:04:27,120 Speaker 1: and nails, ooh, child, nails. So I get that. What 86 00:04:27,320 --> 00:04:30,160 Speaker 1: is that stuff called that you guys put like not 87 00:04:30,320 --> 00:04:34,479 Speaker 1: the tips the powder right, And I don't know if 88 00:04:34,480 --> 00:04:37,120 Speaker 1: that's more or less expensive child, I don't know, And 89 00:04:37,240 --> 00:04:39,040 Speaker 1: so I don't get them really long. I get them like, 90 00:04:39,360 --> 00:04:41,800 Speaker 1: you know, cause I'm like, I have to get accustomed 91 00:04:41,800 --> 00:04:43,200 Speaker 1: to having just a little bit of nails because I 92 00:04:43,279 --> 00:04:47,560 Speaker 1: used to just have nubs. And so that cost I 93 00:04:47,720 --> 00:04:51,680 Speaker 1: want to say, is it sixty dollars for fillings? I 94 00:04:51,839 --> 00:04:54,320 Speaker 1: think so, I think it's sixty dollars for fillings. Yes, 95 00:04:54,360 --> 00:04:56,200 Speaker 1: I'm almost positive sixty hours, for which I think i've 96 00:04:56,200 --> 00:04:59,200 Speaker 1: heard is kind of high. But I've tried other places 97 00:04:59,320 --> 00:05:01,599 Speaker 1: that were cheap, and within two or three days, pink 98 00:05:01,640 --> 00:05:03,520 Speaker 1: pink pin my nails is gone. So I keep going 99 00:05:03,520 --> 00:05:06,320 Speaker 1: back to this place called Elite Nails in Montclair because 100 00:05:06,360 --> 00:05:08,240 Speaker 1: it's the only place that I've gone with me and 101 00:05:08,320 --> 00:05:11,080 Speaker 1: my rough and tough self flybrok rough and tough, my 102 00:05:11,160 --> 00:05:14,720 Speaker 1: afropuffs where the tips don't ever fall. I've never lost 103 00:05:14,760 --> 00:05:16,480 Speaker 1: the tip, no matter, even if I've gone back in 104 00:05:16,520 --> 00:05:18,320 Speaker 1: three weeks instead of two weeks or three and a 105 00:05:18,360 --> 00:05:21,360 Speaker 1: half weeks, I've never lost the nail. So and that's 106 00:05:21,400 --> 00:05:23,960 Speaker 1: sixty bucks, and that's every two weeks. So that's another 107 00:05:24,000 --> 00:05:26,640 Speaker 1: one twenty. So what's the math. We're doing the math 108 00:05:26,720 --> 00:05:31,920 Speaker 1: now two hundred, then two thirty, then three hundred, then 109 00:05:32,000 --> 00:05:38,279 Speaker 1: three point fifty, then one twenty blessed well, four twenty. 110 00:05:38,600 --> 00:05:40,800 Speaker 1: So let's just say four hundred and fifty dollars a 111 00:05:40,960 --> 00:05:44,880 Speaker 1: month on just a look cute. I don't know how 112 00:05:44,920 --> 00:05:47,480 Speaker 1: long we keep it up if I'm being honest, but 113 00:05:48,600 --> 00:05:54,240 Speaker 1: I'm trying. Your girl, let me know, like Instagram, Me 114 00:05:54,800 --> 00:06:00,080 Speaker 1: Instagram us Ranovich and podcast Twitter The BA podcast. Like 115 00:06:00,160 --> 00:06:02,039 Speaker 1: how much do you pay for upkeep? Am I paying 116 00:06:02,080 --> 00:06:05,000 Speaker 1: too much? You know? Like lashes at fifteen? I feel 117 00:06:05,040 --> 00:06:07,880 Speaker 1: like that's reasonable, not lashes brows at fifteen. I don't 118 00:06:07,880 --> 00:06:09,600 Speaker 1: know how much lashes go for, but eighty bucks, I 119 00:06:09,640 --> 00:06:11,720 Speaker 1: don't know is that reasonable. I like Jessica. She does 120 00:06:11,760 --> 00:06:14,240 Speaker 1: a good job, and my lashes last because I've been 121 00:06:14,279 --> 00:06:16,680 Speaker 1: to other places that were cheaper and within three days 122 00:06:16,880 --> 00:06:21,440 Speaker 1: you're literally crying lashes because they're just falling down your face. Yeah. 123 00:06:21,560 --> 00:06:23,560 Speaker 1: So like four hundred and fifty bucks a month, that 124 00:06:23,720 --> 00:06:29,000 Speaker 1: just seems I mean, I think about my my bonus baby, Alyssa. 125 00:06:29,560 --> 00:06:32,160 Speaker 1: I mean, hair done, nails done, everything did. I used 126 00:06:32,160 --> 00:06:34,640 Speaker 1: to hear her dad say you are so expensive, and 127 00:06:34,680 --> 00:06:36,320 Speaker 1: I didn't get it because I wasn't doing all the 128 00:06:36,400 --> 00:06:39,040 Speaker 1: upkeep me while she like thirteen fourteen doing all the 129 00:06:39,120 --> 00:06:41,640 Speaker 1: upkeep and I was not doing that. So yeah, I'm 130 00:06:41,720 --> 00:06:43,280 Speaker 1: just like, we gonna see how long it lasts. I've 131 00:06:43,279 --> 00:06:45,160 Speaker 1: always got my brows AND's and of course I've always 132 00:06:45,200 --> 00:06:47,400 Speaker 1: gotten my hair retightened, so those are not new things. 133 00:06:47,520 --> 00:06:51,320 Speaker 1: But the lashes, the nails, line, all the stuff, I 134 00:06:51,360 --> 00:06:54,080 Speaker 1: don't know. You know, five hundred dollars a month, I 135 00:06:54,080 --> 00:06:57,320 Speaker 1: could be in the market. Yeah. So I just wanted 136 00:06:57,360 --> 00:06:59,359 Speaker 1: to give you update on my If you were watching 137 00:06:59,400 --> 00:07:03,400 Speaker 1: the YouTube, we would see my glow up. Hey ba fan, 138 00:07:03,480 --> 00:07:06,480 Speaker 1: We're gonna take a quick break and we'll be right back. 139 00:07:11,440 --> 00:07:14,160 Speaker 1: What else some other updates I told you I went 140 00:07:14,200 --> 00:07:18,040 Speaker 1: to that trip to Africa with Black Girls Travel Too. 141 00:07:18,080 --> 00:07:19,720 Speaker 1: You know, we left to shout out a Black Girl 142 00:07:19,800 --> 00:07:23,520 Speaker 1: brand amazing. If you want to travel and you don't 143 00:07:23,560 --> 00:07:26,080 Speaker 1: want to make any plans and you want somebody to 144 00:07:26,080 --> 00:07:28,200 Speaker 1: plan everything. You just have to get your flight to 145 00:07:28,320 --> 00:07:31,880 Speaker 1: the place and back home. Black Girls travel to too. 146 00:07:32,560 --> 00:07:35,920 Speaker 1: Awesome sauce. I had such an awesome sauce awesome time South. 147 00:07:36,240 --> 00:07:38,720 Speaker 1: I went on the South African Beyond trip, So we 148 00:07:38,800 --> 00:07:42,720 Speaker 1: did Johannesburg, Cape Town, Zimbabwe, and then day trips to 149 00:07:42,840 --> 00:07:50,280 Speaker 1: Zambia and Botswana. Everything from safaris, cooking classes, the best restaurants, 150 00:07:50,320 --> 00:07:54,840 Speaker 1: oh my gosh, we ate so well, the most amazing, amazing, 151 00:07:54,880 --> 00:07:59,080 Speaker 1: amazing hotels. Yeah, it just was an amazing experience. And 152 00:07:59,120 --> 00:08:02,320 Speaker 1: I suggest too, so everybody black house travel to. Oh oh. 153 00:08:03,000 --> 00:08:04,240 Speaker 1: And then I just want to give you an update 154 00:08:04,280 --> 00:08:08,800 Speaker 1: about business. So business has been. I told you last 155 00:08:08,880 --> 00:08:12,520 Speaker 1: year that business was really rough and tough with my 156 00:08:12,600 --> 00:08:16,600 Speaker 1: afropuffs and I could not understand what was happening and 157 00:08:16,760 --> 00:08:21,800 Speaker 1: why things were so slow. To give you context, my 158 00:08:22,000 --> 00:08:24,760 Speaker 1: biggest business at the time, my literature Academy, was down 159 00:08:24,880 --> 00:08:28,720 Speaker 1: forty percent. So if we were making one hundred dollars 160 00:08:29,280 --> 00:08:32,320 Speaker 1: you know, a year, or one hundred thousand, let's just say, right, well, 161 00:08:32,400 --> 00:08:33,800 Speaker 1: if we wake way more than that, right, because we 162 00:08:33,880 --> 00:08:36,400 Speaker 1: typically make that monthly. If I'm being honest. We were 163 00:08:36,520 --> 00:08:41,920 Speaker 1: down to sixty dollars. That's crazy. And some of it 164 00:08:43,280 --> 00:08:45,120 Speaker 1: was just like we had not pivoted quickly, but some 165 00:08:45,280 --> 00:08:48,080 Speaker 1: of it was there was a shift in the marketplace 166 00:08:48,600 --> 00:08:50,560 Speaker 1: that I could not put my finger on, and at 167 00:08:50,559 --> 00:08:52,160 Speaker 1: first I thought we were doing everything wrong. So that 168 00:08:52,360 --> 00:08:55,680 Speaker 1: on that front, right the Literature Academy space, we were 169 00:08:55,720 --> 00:08:58,520 Speaker 1: down forty percent. On the Budgetista side, we were down 170 00:08:58,559 --> 00:09:02,000 Speaker 1: even worse than that. Soudgetista typically makes a couple of 171 00:09:02,040 --> 00:09:03,760 Speaker 1: million dollars a year. That's kind of like my chill 172 00:09:03,840 --> 00:09:07,120 Speaker 1: business where someone says, hey, you know, do you like 173 00:09:07,160 --> 00:09:09,160 Speaker 1: our product? You want to talk about it? Sure? Hey 174 00:09:09,440 --> 00:09:11,280 Speaker 1: you want to speak, Sure you want to sold the 175 00:09:11,280 --> 00:09:14,160 Speaker 1: BUDGETIESA I don't do major major pushes for also too 176 00:09:14,240 --> 00:09:17,720 Speaker 1: with Budgetiesta, I do mentor mentoring through them my mentor, 177 00:09:18,880 --> 00:09:21,080 Speaker 1: my mentor Tiffany dot Com. That's like twenty bucks a month. 178 00:09:21,760 --> 00:09:24,520 Speaker 1: That makes about a quarter million dollars a year. And 179 00:09:24,600 --> 00:09:29,199 Speaker 1: then also to the BUDGETESEA have books and so I 180 00:09:29,480 --> 00:09:32,040 Speaker 1: you know, my my book Get Going with Money still 181 00:09:32,080 --> 00:09:35,559 Speaker 1: sells about seven eight hundred copies a week, and so 182 00:09:35,720 --> 00:09:37,319 Speaker 1: I want to say twice a year they sent me 183 00:09:37,440 --> 00:09:40,000 Speaker 1: like a check, you know, and so there I also 184 00:09:40,080 --> 00:09:42,559 Speaker 1: have like online books, like we're not online books, but 185 00:09:43,440 --> 00:09:45,560 Speaker 1: self published books that make a few thousand dollars a month. 186 00:09:45,720 --> 00:09:47,719 Speaker 1: So you figure for the budgetista, I'm bringing in like 187 00:09:47,760 --> 00:09:51,559 Speaker 1: two million plus here and there. You know. Last year, 188 00:09:52,160 --> 00:09:55,480 Speaker 1: you know, I love the transparency. We brought in literally 189 00:09:55,640 --> 00:09:58,800 Speaker 1: just under eight hundred thousand. That's the lowest. I can't 190 00:09:58,840 --> 00:10:02,400 Speaker 1: even remember bringing that little. It was not enough to cover. 191 00:10:02,640 --> 00:10:05,920 Speaker 1: We started the year off with six months of emergency savings. 192 00:10:07,080 --> 00:10:10,080 Speaker 1: We ended the year with one month. So not only 193 00:10:10,160 --> 00:10:13,480 Speaker 1: did we use the seven hundred, like seven hundred ninetynine 194 00:10:13,520 --> 00:10:15,480 Speaker 1: thousand or seven hundred thirty nine thousand whatever we made 195 00:10:15,520 --> 00:10:19,760 Speaker 1: last year, we also had to use our monthly you know, 196 00:10:19,920 --> 00:10:23,480 Speaker 1: our emergency savings to see us through. And so if 197 00:10:23,520 --> 00:10:25,240 Speaker 1: I did not have emergency saving, that's why a lot 198 00:10:25,280 --> 00:10:26,959 Speaker 1: of my friends I didn't. Here's the thing, this is 199 00:10:26,960 --> 00:10:30,520 Speaker 1: why it's important to have people in the financial space, 200 00:10:30,640 --> 00:10:33,280 Speaker 1: the business space, the career space that you're in to 201 00:10:33,440 --> 00:10:37,480 Speaker 1: help let you know, like to help keep you updated 202 00:10:37,520 --> 00:10:40,240 Speaker 1: about like is this normal? So at first I thought 203 00:10:40,880 --> 00:10:43,960 Speaker 1: we just messing up, like you know, and we worked 204 00:10:43,960 --> 00:10:47,120 Speaker 1: hard over here, but I thought maybe I lost my touch. 205 00:10:47,200 --> 00:10:49,480 Speaker 1: People are not interested in a budgetiesa no more. I 206 00:10:49,559 --> 00:10:52,560 Speaker 1: didn't know what was happening, honestly, because in the beginning, 207 00:10:52,600 --> 00:10:54,640 Speaker 1: I'm never worried because things happen in business, but I 208 00:10:54,760 --> 00:10:57,000 Speaker 1: usually have ten get out of jail free cards. I'm like, 209 00:10:57,040 --> 00:10:59,559 Speaker 1: we're gonna do this. We tried that didn't work. We're 210 00:10:59,600 --> 00:11:01,640 Speaker 1: gonna do that. We're gonna reach out to brands, We're gonna, 211 00:11:01,640 --> 00:11:04,360 Speaker 1: we're gonna, We're gonna all everything that normally would work 212 00:11:04,480 --> 00:11:07,600 Speaker 1: did not work. So by Q three, I was really 213 00:11:07,640 --> 00:11:10,800 Speaker 1: worried because I said, nothing is working, and I still 214 00:11:10,840 --> 00:11:13,199 Speaker 1: had to pay all the bills. Like I said, thank 215 00:11:13,280 --> 00:11:16,240 Speaker 1: goodness that I had six months of emergency savings. A 216 00:11:16,320 --> 00:11:17,960 Speaker 1: lot of my friends went out of business because they 217 00:11:18,000 --> 00:11:20,920 Speaker 1: didn't have emergency savings. So let this be a warning 218 00:11:21,040 --> 00:11:23,760 Speaker 1: to you, in business or your personal life. Get your 219 00:11:23,800 --> 00:11:27,480 Speaker 1: emergency savings up. In business at least six months, personal 220 00:11:27,559 --> 00:11:31,760 Speaker 1: life at least three more. Miss Jackson. If you're nasty 221 00:11:31,960 --> 00:11:35,360 Speaker 1: right and so like I, you know. The reason why 222 00:11:35,400 --> 00:11:38,160 Speaker 1: I had six months is because during the pandemic, I 223 00:11:38,240 --> 00:11:41,320 Speaker 1: had read this article that Microsoft had one year work 224 00:11:41,400 --> 00:11:45,400 Speaker 1: of operating expenses saved, and during the pandemic, most of 225 00:11:45,480 --> 00:11:48,480 Speaker 1: us were doing really well in business. Many businesses thrive. 226 00:11:48,559 --> 00:11:50,000 Speaker 1: I know I did. That's when I had my first 227 00:11:50,080 --> 00:11:52,120 Speaker 1: eight figure year. I made my first ten million dollars 228 00:11:52,120 --> 00:11:55,760 Speaker 1: in a year during the pandemic. But something said, this 229 00:11:55,960 --> 00:11:59,480 Speaker 1: feels unnatural. This doesn't feel like the new new, This 230 00:11:59,640 --> 00:12:03,400 Speaker 1: feels like there's something special happening. Hello, we're in a panorama. 231 00:12:04,400 --> 00:12:06,439 Speaker 1: So even though we made that ten million, it didn't 232 00:12:06,520 --> 00:12:10,199 Speaker 1: feel sustainable, you know what I mean. I had friends 233 00:12:10,200 --> 00:12:12,480 Speaker 1: who literally during the pandemic in US two years, made 234 00:12:12,520 --> 00:12:15,800 Speaker 1: sixty million dollars when they made nothing before. Is that 235 00:12:16,000 --> 00:12:19,280 Speaker 1: real now? So you can't like hang your hat on 236 00:12:19,360 --> 00:12:22,120 Speaker 1: that hook. And so when I read that Microsoft had 237 00:12:22,120 --> 00:12:23,640 Speaker 1: one year saved, I said, they know something that I 238 00:12:23,679 --> 00:12:26,280 Speaker 1: don't know. Let me start to save. And so thankfully 239 00:12:26,400 --> 00:12:28,680 Speaker 1: I hit up my CFO. I said, I want us 240 00:12:28,800 --> 00:12:33,199 Speaker 1: to save for you know, just in case while we 241 00:12:33,280 --> 00:12:36,040 Speaker 1: had the money. And so we got six months worth 242 00:12:36,080 --> 00:12:39,040 Speaker 1: of emergency savings so within the first year, so we 243 00:12:39,080 --> 00:12:41,880 Speaker 1: didn't need it. Twenty what did the pandemic hit twenty twenty? 244 00:12:42,080 --> 00:12:43,800 Speaker 1: We didn't need a twenty twenty. We didn't needed twenty 245 00:12:43,840 --> 00:12:47,080 Speaker 1: twenty one, right, I think twenty twenty is a pandemic 246 00:12:47,120 --> 00:12:48,839 Speaker 1: and we didn't need twenty twenty two. We was good. 247 00:12:49,559 --> 00:12:54,040 Speaker 1: And then twenty twenty three last year, thank god we 248 00:12:54,200 --> 00:12:57,600 Speaker 1: had both companies had six months of emergency savings. Thankfully 249 00:12:57,640 --> 00:13:02,520 Speaker 1: the Literature Academy didn't need it. Although it our revenue 250 00:13:02,559 --> 00:13:04,280 Speaker 1: droped by forty percent, we were still able to pay 251 00:13:04,280 --> 00:13:06,280 Speaker 1: the bills with what we made because it's a very 252 00:13:06,520 --> 00:13:09,920 Speaker 1: profitable business, and we were still I think, like I 253 00:13:09,960 --> 00:13:11,440 Speaker 1: think the last of my check, we were like thirty 254 00:13:11,800 --> 00:13:14,360 Speaker 1: thirty five percent profit. It's just we had less business, 255 00:13:14,679 --> 00:13:17,760 Speaker 1: but we were still very profitable relative to like what 256 00:13:17,920 --> 00:13:21,600 Speaker 1: was happening, and but the budgetista was not. We were 257 00:13:21,679 --> 00:13:24,880 Speaker 1: negative so much. So like there were times like in business, 258 00:13:25,400 --> 00:13:31,079 Speaker 1: most quarters, I'm getting all sweaty. Most quarters, my quarterly 259 00:13:31,200 --> 00:13:34,680 Speaker 1: taxes are six figures, you know, one hundred thousand whatever, 260 00:13:34,679 --> 00:13:37,559 Speaker 1: and I'm like, uh, you know, And I remember it 261 00:13:37,720 --> 00:13:39,920 Speaker 1: was so bad that when I want to go pay 262 00:13:39,960 --> 00:13:43,960 Speaker 1: the quarterly taxes, I was asking my CFO how much 263 00:13:44,000 --> 00:13:46,160 Speaker 1: do I? Oh? She was just was like nothing. I said, 264 00:13:46,400 --> 00:13:51,040 Speaker 1: how's I No, I can't owe nothing, girl. She was like, yeah, 265 00:13:51,320 --> 00:13:53,560 Speaker 1: the thing is you pay taxes on what you've made, 266 00:13:54,320 --> 00:13:57,800 Speaker 1: you ain't make nothing. I was like, I don't know 267 00:13:57,840 --> 00:14:01,160 Speaker 1: if to be happy or sad, but because usually the 268 00:14:01,200 --> 00:14:03,880 Speaker 1: way it works in business is you may say a 269 00:14:03,960 --> 00:14:06,640 Speaker 1: million dollars and then you spend half a million to 270 00:14:06,720 --> 00:14:08,439 Speaker 1: run your company, and you pay taxes on the half 271 00:14:08,440 --> 00:14:11,600 Speaker 1: a million that's left. So if your company makes seven 272 00:14:11,679 --> 00:14:14,240 Speaker 1: hundred thousand but spends a million to run, girl, you 273 00:14:14,320 --> 00:14:18,000 Speaker 1: negative you ain't got pay no taxes. I was like, oh, okay, 274 00:14:18,559 --> 00:14:21,640 Speaker 1: the ghetto so we didn't have pay no taxes because 275 00:14:21,680 --> 00:14:24,040 Speaker 1: we didn't make any money. But the lessons that I 276 00:14:24,160 --> 00:14:26,040 Speaker 1: learned I hope that you take away is that one 277 00:14:26,920 --> 00:14:31,000 Speaker 1: that one whenever you have an unnatural swing in one direction, 278 00:14:31,160 --> 00:14:32,640 Speaker 1: I want you to really literally think about it, like 279 00:14:32,680 --> 00:14:35,600 Speaker 1: a swing right at the park. What happens when you 280 00:14:35,640 --> 00:14:37,280 Speaker 1: pull the swing all the way, all the way, all 281 00:14:37,280 --> 00:14:39,240 Speaker 1: the way all remember your kid and you're like, you know, 282 00:14:39,320 --> 00:14:41,920 Speaker 1: pushing your friend, or they're pushing you, and they push 283 00:14:41,960 --> 00:14:42,960 Speaker 1: you all the way all the way, all the way 284 00:14:43,040 --> 00:14:44,840 Speaker 1: up up up as high as their arms can go. 285 00:14:44,880 --> 00:14:46,920 Speaker 1: They're pushing you on the swing and they let go, 286 00:14:47,280 --> 00:14:50,560 Speaker 1: so you are at the extreme point up. What is 287 00:14:50,640 --> 00:14:53,200 Speaker 1: going to happen the swing doesn't just right itself and 288 00:14:53,240 --> 00:14:56,080 Speaker 1: bring you the center. No, the swing goes all the way, 289 00:14:56,120 --> 00:14:58,280 Speaker 1: all the way, all the way to the extreme point, 290 00:14:58,400 --> 00:15:02,320 Speaker 1: back right, and we'll keep going back and forth until 291 00:15:02,360 --> 00:15:06,080 Speaker 1: it writes itself. So I learned that lesson, and I 292 00:15:06,160 --> 00:15:07,920 Speaker 1: kind of knew that's why I had my money prepared, 293 00:15:08,320 --> 00:15:12,480 Speaker 1: that the pandemic gave us an unnatural lift up, and 294 00:15:12,600 --> 00:15:14,560 Speaker 1: so in order to write itself, it had to go 295 00:15:14,840 --> 00:15:17,520 Speaker 1: all the way back to bring me back to center. 296 00:15:18,360 --> 00:15:21,400 Speaker 1: And so thankfully, like I said, I had emergency savings 297 00:15:21,440 --> 00:15:23,560 Speaker 1: to sed myself through. But I was worried, and I 298 00:15:23,640 --> 00:15:25,720 Speaker 1: actually think that six months might not be enough because 299 00:15:25,720 --> 00:15:27,280 Speaker 1: we were down to one month and if we had 300 00:15:27,360 --> 00:15:30,520 Speaker 1: not hit the ground running in January, which we did. 301 00:15:30,920 --> 00:15:33,680 Speaker 1: This year is already a great year. We made in 302 00:15:33,800 --> 00:15:37,040 Speaker 1: one month what we made all last year. So this 303 00:15:37,200 --> 00:15:39,160 Speaker 1: year the budget diisa, she's back. If anything, the bunche 304 00:15:39,160 --> 00:15:41,120 Speaker 1: of THESA is actually doing better than ever. You know 305 00:15:41,680 --> 00:15:44,520 Speaker 1: some But instead of being like yay, I'm like, let 306 00:15:44,600 --> 00:15:47,600 Speaker 1: us prepare, let's get back. I think we have four 307 00:15:47,720 --> 00:15:50,000 Speaker 1: or five months of emergency savings, so we had to replenish. 308 00:15:50,240 --> 00:15:51,720 Speaker 1: So I want to probably get to eight months of 309 00:15:51,760 --> 00:15:54,520 Speaker 1: emergency savings because I'm like, job, I don't want to 310 00:15:54,560 --> 00:15:58,560 Speaker 1: live that life again. And also two, I'm asking myself, 311 00:15:58,960 --> 00:16:02,120 Speaker 1: how do we disify our products and services? So we 312 00:16:02,280 --> 00:16:05,640 Speaker 1: are going to be launching additional products and services that 313 00:16:06,480 --> 00:16:10,160 Speaker 1: allow us to hit different types of customers, right, because 314 00:16:10,240 --> 00:16:12,360 Speaker 1: if you only have one type of customer and that 315 00:16:12,440 --> 00:16:15,480 Speaker 1: customer is not paying, then you find yourself in a 316 00:16:15,560 --> 00:16:17,960 Speaker 1: really bad way. Hey, ba fan, we're going to take 317 00:16:18,000 --> 00:16:25,480 Speaker 1: a quick break and we'll be right back. The budgetist 318 00:16:25,480 --> 00:16:28,400 Speaker 1: that we just got our first contract. We're going to 319 00:16:28,440 --> 00:16:31,760 Speaker 1: be teaching financial education for a school system during the summertime. 320 00:16:32,080 --> 00:16:34,000 Speaker 1: So we got a contract there. It was good. It 321 00:16:34,120 --> 00:16:36,840 Speaker 1: was like multiple six figures. Great, We've never done that before, 322 00:16:37,000 --> 00:16:39,000 Speaker 1: but this is great money and it's a two year contract. 323 00:16:39,280 --> 00:16:43,840 Speaker 1: So it's like, okay, now what we are launching. So 324 00:16:43,960 --> 00:16:45,960 Speaker 1: y'all have been loving my book GEK Go with Money. 325 00:16:46,280 --> 00:16:47,880 Speaker 1: It was what eight weeks on the New York Times 326 00:16:47,960 --> 00:16:51,480 Speaker 1: bestsellers list, still sells about eight hundred copies a week, 327 00:16:52,520 --> 00:16:54,280 Speaker 1: and so we're building a course around it called the 328 00:16:54,320 --> 00:16:56,640 Speaker 1: Big Get Go with Money Plan. So because so many 329 00:16:56,640 --> 00:16:59,120 Speaker 1: people want more handholding, so I'm like, great, that is 330 00:16:59,200 --> 00:17:01,080 Speaker 1: a that I never had the gig or money plan before. 331 00:17:01,160 --> 00:17:03,880 Speaker 1: We're creating that because it's like, one, you get money 332 00:17:03,960 --> 00:17:07,239 Speaker 1: through contracts, great, that's one way. Two, you know, can 333 00:17:07,320 --> 00:17:09,720 Speaker 1: I create a product or service that's going to be 334 00:17:09,840 --> 00:17:12,240 Speaker 1: very useful to the audience that I serve. And y'all 335 00:17:12,280 --> 00:17:14,000 Speaker 1: are loving the books, so why wouldn't you not want 336 00:17:14,040 --> 00:17:19,720 Speaker 1: the actual course plan? Okay? What else? I hired someone 337 00:17:19,840 --> 00:17:23,760 Speaker 1: to help me book more sponsorships because before I used 338 00:17:23,760 --> 00:17:25,640 Speaker 1: to literally just wait for things to come to my inbox. 339 00:17:26,160 --> 00:17:28,280 Speaker 1: And so we literally hired someone called the sponsorship Lady 340 00:17:28,440 --> 00:17:30,879 Speaker 1: that is pitching us currently right now, because I want 341 00:17:30,920 --> 00:17:34,120 Speaker 1: to be more proactive there. Okay. I also hired someone 342 00:17:34,160 --> 00:17:36,640 Speaker 1: that's going to be pitching me for more speaking engagements. Typically, 343 00:17:37,280 --> 00:17:38,560 Speaker 1: like like I said, the budget these it was my 344 00:17:38,640 --> 00:17:40,600 Speaker 1: chill brand. Things were just land in my inbox and 345 00:17:40,600 --> 00:17:42,280 Speaker 1: I would say, okay, but I'm like, no, let's be 346 00:17:42,359 --> 00:17:45,719 Speaker 1: more intentional. And so also too, I'm building out more 347 00:17:45,800 --> 00:17:48,960 Speaker 1: communities because people are like Tippany, I'm beyond the basics. 348 00:17:49,000 --> 00:17:52,240 Speaker 1: I want to have access to other types of resources. 349 00:17:52,320 --> 00:17:54,399 Speaker 1: So I'm building these communities where you can have access 350 00:17:54,480 --> 00:17:57,640 Speaker 1: for monthly a monthly fee like I have a community 351 00:17:57,760 --> 00:18:02,240 Speaker 1: for my business owners right where I mentor them once 352 00:18:02,280 --> 00:18:04,240 Speaker 1: a month and so that's twenty bucks a month. So 353 00:18:04,440 --> 00:18:07,480 Speaker 1: are there other communities that can build out? Because if 354 00:18:07,640 --> 00:18:11,439 Speaker 1: another and it will because that's the way the economy works, 355 00:18:11,800 --> 00:18:14,879 Speaker 1: and that's why business works. When another slow season comes, 356 00:18:15,040 --> 00:18:18,000 Speaker 1: it's like slow in what season? Is it slow for overall? 357 00:18:18,480 --> 00:18:21,040 Speaker 1: Business to business? Is it slow for business to customer? 358 00:18:21,480 --> 00:18:25,280 Speaker 1: Like I want to be able to offset any dropping income, 359 00:18:25,880 --> 00:18:27,680 Speaker 1: you know where it's like, oh my gosh, you know, 360 00:18:28,080 --> 00:18:30,560 Speaker 1: spokesperson work is down. But that's okay because we still 361 00:18:30,560 --> 00:18:33,560 Speaker 1: have our contracts. Oh my gosh, they're not doing contracts anymore. 362 00:18:33,600 --> 00:18:36,040 Speaker 1: That's okay because we still have these our B two 363 00:18:36,080 --> 00:18:38,800 Speaker 1: C we're business to consumer where you guys are buying courses. 364 00:18:38,840 --> 00:18:40,960 Speaker 1: Do you see what I mean? And so I'm just 365 00:18:41,040 --> 00:18:44,879 Speaker 1: trying to be smarter about the way we navigate business. 366 00:18:44,920 --> 00:18:47,840 Speaker 1: Actually today I'm actually meeting with the business strategists to 367 00:18:48,520 --> 00:18:51,240 Speaker 1: look at all the ways we navigate business and to 368 00:18:51,400 --> 00:18:53,840 Speaker 1: shore up some of those things to say, here are 369 00:18:53,840 --> 00:18:56,240 Speaker 1: the four or five ways that you deliver the same thing. 370 00:18:56,560 --> 00:18:58,720 Speaker 1: So ultimately y'all know the budget. Lisa is in a 371 00:18:58,720 --> 00:19:02,200 Speaker 1: business of teaching financial eduea especially to women, especially to 372 00:19:02,280 --> 00:19:04,560 Speaker 1: women of color. We don't turn anyone away, but that's 373 00:19:04,600 --> 00:19:07,359 Speaker 1: our core audience. So how many ways can I deliver 374 00:19:07,480 --> 00:19:10,560 Speaker 1: financial education? I could do so through books, I could 375 00:19:10,560 --> 00:19:13,800 Speaker 1: do so through courses, through contracts, through spokesperson, through speaking 376 00:19:13,880 --> 00:19:16,600 Speaker 1: through It's the same business. Just how many ways can 377 00:19:16,640 --> 00:19:21,119 Speaker 1: you cook this cake? Okay? Right? And so yeah, so 378 00:19:21,560 --> 00:19:23,720 Speaker 1: this is just like a little kind of like catch 379 00:19:23,800 --> 00:19:26,720 Speaker 1: up but also a mini lesson. Then how can you 380 00:19:26,880 --> 00:19:28,720 Speaker 1: do this in your business that you have a business, 381 00:19:28,760 --> 00:19:31,200 Speaker 1: but also how can you do this in your career? 382 00:19:31,880 --> 00:19:35,479 Speaker 1: What are other things that you can get really good at? 383 00:19:36,000 --> 00:19:40,320 Speaker 1: So you had never at the mercy of like what 384 00:19:40,560 --> 00:19:44,639 Speaker 1: is happening externally? And one of my friends, you know, 385 00:19:45,119 --> 00:19:47,720 Speaker 1: she was like her current job right now, she's not 386 00:19:47,760 --> 00:19:49,600 Speaker 1: really loving it. She feels like they're not really loving her. 387 00:19:49,720 --> 00:19:51,480 Speaker 1: She's not sure if they're going to keep her. And 388 00:19:51,560 --> 00:19:52,639 Speaker 1: she's like, I don't know what I'm going to do 389 00:19:52,680 --> 00:19:54,680 Speaker 1: if I lose this job. I really need to pay bills. 390 00:19:55,240 --> 00:19:57,960 Speaker 1: And I said, well, what other things can you set 391 00:19:58,000 --> 00:20:00,800 Speaker 1: up so you're not at the mercy of just this 392 00:20:00,920 --> 00:20:02,840 Speaker 1: way of making money? She's like, there's nothing I said, 393 00:20:02,880 --> 00:20:08,119 Speaker 1: you sure, she's really good at she's a photographer, but 394 00:20:08,200 --> 00:20:10,000 Speaker 1: she's really good at like video and stuff. I was like, 395 00:20:10,040 --> 00:20:13,239 Speaker 1: you know, I actually was one of the things one 396 00:20:13,280 --> 00:20:14,360 Speaker 1: of the reasons why I let to have my own 397 00:20:14,359 --> 00:20:16,440 Speaker 1: business because I love to be able to provide opportunities 398 00:20:16,440 --> 00:20:18,440 Speaker 1: for the people that I care about. Right, So, I 399 00:20:18,600 --> 00:20:23,520 Speaker 1: was like, I need a a reel. So the spokesperson 400 00:20:23,520 --> 00:20:24,959 Speaker 1: in person I hired was like, you know, we need 401 00:20:25,000 --> 00:20:28,440 Speaker 1: a speaking reel and we need like a media reel. 402 00:20:28,720 --> 00:20:30,160 Speaker 1: And I was like, okay, so I'm going to hire 403 00:20:30,160 --> 00:20:31,840 Speaker 1: her because I'm like, girl, you've been doing all this 404 00:20:31,920 --> 00:20:33,399 Speaker 1: video stuff. I've been seeing you do it. I'm going 405 00:20:33,480 --> 00:20:35,400 Speaker 1: to hire you to do that. And she was like really. 406 00:20:35,440 --> 00:20:36,560 Speaker 1: I was like, yeah, girl, because I know you do 407 00:20:36,600 --> 00:20:39,000 Speaker 1: a good job. I've seen you do it. But also too, 408 00:20:39,160 --> 00:20:41,159 Speaker 1: because if you do a good job with me, I 409 00:20:41,280 --> 00:20:43,400 Speaker 1: have so many friends with businesses that are going to say, 410 00:20:43,520 --> 00:20:45,840 Speaker 1: who did that for you? And you know you have 411 00:20:45,920 --> 00:20:48,000 Speaker 1: the potential to be hired there too. And she's like, 412 00:20:48,080 --> 00:20:51,480 Speaker 1: I never thought about it that way. Also too. For example, 413 00:20:51,520 --> 00:20:54,639 Speaker 1: I offered this to my sister who hated her job 414 00:20:54,680 --> 00:20:57,520 Speaker 1: and wanted to quit. I said, I right now, don't 415 00:20:57,560 --> 00:21:00,720 Speaker 1: pitch myself for speaking engagements. They just landed my But 416 00:21:00,960 --> 00:21:04,320 Speaker 1: if you pitch me, you can get a percentage of 417 00:21:04,880 --> 00:21:07,480 Speaker 1: whatever I get paid. Typically that the percentage is about 418 00:21:07,520 --> 00:21:09,840 Speaker 1: ten percent. Sometimes people goes high as twenty five percent 419 00:21:09,920 --> 00:21:14,119 Speaker 1: for speaking engagements and stuff, but ten percent is on is, Like, 420 00:21:15,160 --> 00:21:17,639 Speaker 1: I wouldn't say the average, but that's what I'm offering. 421 00:21:18,080 --> 00:21:20,159 Speaker 1: And she was like, and because it's me, I can 422 00:21:20,240 --> 00:21:22,360 Speaker 1: get upwards of one hundred thousand dollars to speak. That's 423 00:21:22,359 --> 00:21:24,520 Speaker 1: only happened a couple of times, but still on average, 424 00:21:24,560 --> 00:21:26,040 Speaker 1: I want to say I get thirty to fifty thousand 425 00:21:26,119 --> 00:21:30,119 Speaker 1: is to offer, right, but just imagine that, like, and 426 00:21:30,240 --> 00:21:32,720 Speaker 1: she doesn't even have to go super hard to start. 427 00:21:33,119 --> 00:21:35,159 Speaker 1: I have a list of places where I have been 428 00:21:35,240 --> 00:21:37,040 Speaker 1: offered to speak or paid to speak over the last 429 00:21:37,040 --> 00:21:40,360 Speaker 1: two or three years. You set us, you create two 430 00:21:40,560 --> 00:21:43,359 Speaker 1: to three pitch emails to say, hey, would you like 431 00:21:43,440 --> 00:21:45,000 Speaker 1: to have tiffany back, and then you follow up with 432 00:21:45,080 --> 00:21:46,760 Speaker 1: them a couple of times. And if you book me 433 00:21:46,840 --> 00:21:48,800 Speaker 1: for thirty thousand, that's three thousand. You don't have to 434 00:21:48,840 --> 00:21:51,000 Speaker 1: do anything. I'm the one who has to speak, And 435 00:21:51,160 --> 00:21:54,080 Speaker 1: so this is what I mean that one of my 436 00:21:54,119 --> 00:21:56,679 Speaker 1: mentors told me a long time ago that there are 437 00:21:56,800 --> 00:21:59,200 Speaker 1: so many ways to make income out there that you 438 00:21:59,280 --> 00:22:02,679 Speaker 1: can't even fat them, but you have to be open 439 00:22:03,240 --> 00:22:05,639 Speaker 1: to the ways. So I've been telling that to my 440 00:22:05,680 --> 00:22:08,040 Speaker 1: sister for the longest. She's still crying broke. I'm like, girl, 441 00:22:08,080 --> 00:22:10,600 Speaker 1: you don't want to make money because I told you behind. 442 00:22:11,160 --> 00:22:14,200 Speaker 1: I'm an easy pitch sis. The girls love when I speak. 443 00:22:14,440 --> 00:22:18,000 Speaker 1: That's what I do. I'm a chattaholic, and I just 444 00:22:18,040 --> 00:22:20,840 Speaker 1: don't have the capacity and neither does my team because 445 00:22:20,840 --> 00:22:23,840 Speaker 1: of're working on other things to actively pitch to people 446 00:22:23,880 --> 00:22:27,479 Speaker 1: who are interested in me speaking. Girls available and out 447 00:22:27,520 --> 00:22:29,959 Speaker 1: there for you. So wee we're going to see if 448 00:22:30,000 --> 00:22:32,840 Speaker 1: she takes and if not, well she's just gonna wine 449 00:22:32,880 --> 00:22:35,760 Speaker 1: and cratch out, you know. And so ask yourself, even 450 00:22:35,800 --> 00:22:37,960 Speaker 1: in your own space, are there opportunities that you're like 451 00:22:38,040 --> 00:22:40,040 Speaker 1: turning your nose up at? And I can tell she's 452 00:22:40,040 --> 00:22:41,320 Speaker 1: probably thinking, like, well, I don't want to do that 453 00:22:41,400 --> 00:22:43,200 Speaker 1: for a living. Ohkay, you don't have do it for 454 00:22:43,240 --> 00:22:45,400 Speaker 1: a living just to make money. Do you think people 455 00:22:45,400 --> 00:22:48,320 Speaker 1: are driving uber for a living? No, they're getting their 456 00:22:48,400 --> 00:22:50,720 Speaker 1: coin up so they can create space for themselves to 457 00:22:50,760 --> 00:22:52,440 Speaker 1: decide what their next move is going to be in 458 00:22:52,480 --> 00:22:55,800 Speaker 1: their career. This allows you to just make additional income. 459 00:22:56,560 --> 00:22:58,200 Speaker 1: So you know, these are just some of the things 460 00:22:58,240 --> 00:22:59,720 Speaker 1: that I think about. Like I call this car. I 461 00:23:00,119 --> 00:23:03,080 Speaker 1: all that the bank. So for me, I always have 462 00:23:03,200 --> 00:23:05,560 Speaker 1: in my mind, if my back is against the wall, 463 00:23:06,080 --> 00:23:09,800 Speaker 1: what can I do to make bank? You know, like 464 00:23:09,880 --> 00:23:11,760 Speaker 1: literally go to the bank, would draw money. And so 465 00:23:11,880 --> 00:23:13,920 Speaker 1: one of the things I know people all ask me 466 00:23:13,960 --> 00:23:15,240 Speaker 1: all the time if I would do like one on 467 00:23:15,359 --> 00:23:18,840 Speaker 1: one like business coaching. I don't have necessarily the capacity, 468 00:23:19,200 --> 00:23:21,160 Speaker 1: but I know that if I really wanted to make bank, 469 00:23:21,240 --> 00:23:25,080 Speaker 1: I can make myself available to say ten people for 470 00:23:25,200 --> 00:23:27,600 Speaker 1: one on one business coaching. I just every single month 471 00:23:27,680 --> 00:23:29,639 Speaker 1: because I've coached people. One of my friends, I coached 472 00:23:29,680 --> 00:23:32,399 Speaker 1: her from negative one hundred and fifty thousand dollars. She 473 00:23:32,440 --> 00:23:35,080 Speaker 1: made that the year before, and within two years of 474 00:23:35,160 --> 00:23:37,360 Speaker 1: me like meeting with her every month, she was making 475 00:23:37,400 --> 00:23:39,200 Speaker 1: two million dollars a year plus, and she's making even 476 00:23:39,280 --> 00:23:41,320 Speaker 1: more now. I don't even know all that because we 477 00:23:41,400 --> 00:23:43,119 Speaker 1: were just friends. She would literally come to new work. 478 00:23:43,119 --> 00:23:45,240 Speaker 1: We would take a walk every every month and I 479 00:23:45,280 --> 00:23:48,160 Speaker 1: would just talk through some of the issues she was navigating, 480 00:23:48,200 --> 00:23:50,120 Speaker 1: give her some of the tools of resources I was using, 481 00:23:50,400 --> 00:23:53,480 Speaker 1: so negative six figures to two million dollars in two years. 482 00:23:55,160 --> 00:23:59,040 Speaker 1: And so I know that I could charge for annually 483 00:23:59,160 --> 00:24:01,560 Speaker 1: to work with me on one. Maybe I'm only going 484 00:24:01,600 --> 00:24:04,920 Speaker 1: to take ten people so I don't get overwhelmed because 485 00:24:04,920 --> 00:24:07,240 Speaker 1: I would have to do ten ten coaching calls a month, 486 00:24:07,320 --> 00:24:08,920 Speaker 1: which is a lot, you know, But I could do that. 487 00:24:09,480 --> 00:24:11,600 Speaker 1: I know I could charge probably twenty five thousand dollars 488 00:24:11,640 --> 00:24:14,600 Speaker 1: for that, maybe more even not even maybe more, and 489 00:24:14,760 --> 00:24:17,119 Speaker 1: people would pay it. Not everybody, but I would just 490 00:24:17,200 --> 00:24:19,520 Speaker 1: need ten people. You know. There are people who ask me. Now. 491 00:24:19,880 --> 00:24:21,480 Speaker 1: A woman just asked me, now, how much for a 492 00:24:21,560 --> 00:24:23,480 Speaker 1: VIP day. I'm like, what do you mean? She said, 493 00:24:23,480 --> 00:24:24,840 Speaker 1: that's when I could sit with you and work with 494 00:24:24,920 --> 00:24:27,720 Speaker 1: you from like like for twelve hours to map out 495 00:24:27,760 --> 00:24:29,480 Speaker 1: my business and what I'm doing and what tools or 496 00:24:29,480 --> 00:24:33,240 Speaker 1: what resource whatever. And I was like, Oh, I asked 497 00:24:33,240 --> 00:24:36,000 Speaker 1: my friends how much to VIP they go VIP days 498 00:24:36,080 --> 00:24:38,920 Speaker 1: go for and they're like, anywhere from thirty to sixty 499 00:24:39,000 --> 00:24:40,840 Speaker 1: thousand dollars for a VIP day. I was like, what, 500 00:24:41,600 --> 00:24:44,080 Speaker 1: So I told that girl fifty thousand. She said, okay, 501 00:24:44,080 --> 00:24:46,280 Speaker 1: that seems reasonable, I said, But I'm not doing it now. 502 00:24:46,320 --> 00:24:48,440 Speaker 1: I'm just you know, just curious, like the girls would 503 00:24:48,440 --> 00:24:51,320 Speaker 1: pay me there. Hello, So that is one of my 504 00:24:51,440 --> 00:24:54,000 Speaker 1: banks that if I got really back against the wall, 505 00:24:54,280 --> 00:24:56,840 Speaker 1: I know I could potentially use that as a bank. 506 00:24:57,119 --> 00:24:58,840 Speaker 1: You might be like, girl, I wouldn't pay that, but 507 00:24:59,000 --> 00:25:01,800 Speaker 1: you're not my customer. That there are at least ten 508 00:25:01,920 --> 00:25:05,800 Speaker 1: women who maybe they're making six figures in business, you know, 509 00:25:05,840 --> 00:25:07,560 Speaker 1: maybe they're making three hundred thousand and they trying to 510 00:25:07,600 --> 00:25:10,880 Speaker 1: crack a million dollar mark or more who absolutely would 511 00:25:10,920 --> 00:25:14,040 Speaker 1: be like because it's not just me giving advice. I'm like, 512 00:25:14,119 --> 00:25:16,359 Speaker 1: this is who we use for tech support. This is 513 00:25:16,960 --> 00:25:19,320 Speaker 1: who we use for accounting, This is who I use 514 00:25:19,359 --> 00:25:22,760 Speaker 1: for financial advising, this is who I use I mean marketing. 515 00:25:23,240 --> 00:25:25,520 Speaker 1: This is like I mean, in fifteen years, I've learned 516 00:25:25,600 --> 00:25:28,400 Speaker 1: so many things in business that I don't even realize 517 00:25:28,800 --> 00:25:31,480 Speaker 1: that are not a small thing. And so as a 518 00:25:31,520 --> 00:25:35,159 Speaker 1: result of that, you know, it's just really valuable and 519 00:25:35,240 --> 00:25:38,480 Speaker 1: it's helped people exponentially increase their business. I've helped so 520 00:25:38,600 --> 00:25:41,119 Speaker 1: many people go from zero to six figures, and I'm 521 00:25:41,160 --> 00:25:43,280 Speaker 1: more than a handful of people go from from six 522 00:25:43,359 --> 00:25:46,119 Speaker 1: figures to seven. So that is one of my banks 523 00:25:46,160 --> 00:25:47,920 Speaker 1: that I knew, I know I could lean into if 524 00:25:47,960 --> 00:25:50,280 Speaker 1: I had to, And I could even charge more if 525 00:25:50,600 --> 00:25:52,320 Speaker 1: I'm not talking about bank for Tiffany, if Tifny ran 526 00:25:52,320 --> 00:25:53,640 Speaker 1: into trouble, I'm talking this is what I'm talking about 527 00:25:53,640 --> 00:25:56,520 Speaker 1: for the business. I could charge even more if I said, hey, 528 00:25:57,280 --> 00:25:59,760 Speaker 1: I would involve my team. You would get my content 529 00:26:00,119 --> 00:26:02,160 Speaker 1: sent to meet us on a call. You would get 530 00:26:02,240 --> 00:26:05,600 Speaker 1: my community person, you would get my marketing person, my 531 00:26:05,760 --> 00:26:09,520 Speaker 1: financial person. I could charge even more, you know, if 532 00:26:09,560 --> 00:26:10,800 Speaker 1: I was going to do that kind of coaching. So 533 00:26:11,840 --> 00:26:14,480 Speaker 1: just things to think about, like one, do you have 534 00:26:14,720 --> 00:26:18,320 Speaker 1: your emergency money? Are you starting to build that? If not, 535 00:26:18,480 --> 00:26:21,600 Speaker 1: you need to. This is a business career, personal life. 536 00:26:21,880 --> 00:26:24,800 Speaker 1: Two have you identified your bank? You know, where's a 537 00:26:24,840 --> 00:26:26,560 Speaker 1: place you can go to for money if you had to. 538 00:26:27,160 --> 00:26:28,760 Speaker 1: Don't wait for a job to tell you they don't 539 00:26:28,800 --> 00:26:32,760 Speaker 1: want you like you know, is it uber? Is it 540 00:26:33,000 --> 00:26:37,320 Speaker 1: writing resumes, is it making dinners? Whatever? You know, you 541 00:26:37,680 --> 00:26:39,199 Speaker 1: don't have to be doing the bank, but you need 542 00:26:39,240 --> 00:26:41,280 Speaker 1: to identify it and test it out a little to 543 00:26:41,400 --> 00:26:42,840 Speaker 1: know this is where you can go for extra money 544 00:26:42,840 --> 00:26:46,520 Speaker 1: if you needed. And three you should always be improving. 545 00:26:47,119 --> 00:26:49,200 Speaker 1: You know, I'm not the same tipping from fifteen years ago. 546 00:26:49,560 --> 00:26:51,439 Speaker 1: They got to call, they got to talk to me different. 547 00:26:52,000 --> 00:26:53,840 Speaker 1: You know, I have I have created a space for 548 00:26:53,960 --> 00:26:57,040 Speaker 1: myself where I'm one of one and I'm number one. Okay, 549 00:26:57,280 --> 00:26:59,560 Speaker 1: so what does that mean? That means when someone comes 550 00:26:59,600 --> 00:27:01,560 Speaker 1: to me and they say like, oh, we don't want 551 00:27:01,600 --> 00:27:04,960 Speaker 1: to know. Maybe that whatever I'm charging is too much money. 552 00:27:05,200 --> 00:27:07,320 Speaker 1: They literally can't replace me with someone just like me. 553 00:27:07,760 --> 00:27:11,280 Speaker 1: They've tried, but they'll come back and say, wow, her 554 00:27:11,359 --> 00:27:13,560 Speaker 1: presentation wasn't as good as your as I know, or 555 00:27:13,640 --> 00:27:16,359 Speaker 1: wow that person didn't have as big of an audience 556 00:27:16,400 --> 00:27:18,439 Speaker 1: I know, or while they don't have a New York 557 00:27:18,440 --> 00:27:21,520 Speaker 1: Times bestseller I know, or wow they're not media trade Girl, 558 00:27:21,600 --> 00:27:24,119 Speaker 1: Today's show, Goo Morning America. You see me on all 559 00:27:24,160 --> 00:27:27,320 Speaker 1: of it, I know, And so I have over time 560 00:27:27,680 --> 00:27:33,080 Speaker 1: purposefully acquired these things so that way, you know, when 561 00:27:33,160 --> 00:27:36,600 Speaker 1: you come see about me, then I have made myself 562 00:27:37,040 --> 00:27:40,840 Speaker 1: so special that you either have to get me or 563 00:27:40,880 --> 00:27:43,119 Speaker 1: go get more money, because you know what I mean, 564 00:27:43,160 --> 00:27:45,879 Speaker 1: there is no replacement of me. And so you can 565 00:27:45,960 --> 00:27:48,200 Speaker 1: do that at your job. You can also do that 566 00:27:48,320 --> 00:27:51,119 Speaker 1: in business, like how do you make yourself such a 567 00:27:51,280 --> 00:27:54,560 Speaker 1: standout that people find more money for you. I've done 568 00:27:54,600 --> 00:27:57,159 Speaker 1: this for my team. I had team members ask me 569 00:27:57,240 --> 00:28:00,680 Speaker 1: for raises we could not afford last year, and I 570 00:28:00,800 --> 00:28:02,680 Speaker 1: was like, what am I going to do to keep this? 571 00:28:02,960 --> 00:28:05,960 Speaker 1: You know these people who are amazing. I wanted these 572 00:28:06,040 --> 00:28:10,200 Speaker 1: team members so badly. I said, look transparently, because we're 573 00:28:10,200 --> 00:28:13,560 Speaker 1: always transparent. Here's how much we make, here's how much 574 00:28:13,600 --> 00:28:16,359 Speaker 1: we spend monthly. We're negative. And they were like, oh 575 00:28:16,480 --> 00:28:18,560 Speaker 1: dag And I said, I would love to give you 576 00:28:18,640 --> 00:28:20,639 Speaker 1: a raise, but I have no money to do so 577 00:28:20,760 --> 00:28:22,879 Speaker 1: I'm just trying to keep us alive. But here's what 578 00:28:23,000 --> 00:28:26,600 Speaker 1: I can do. I can give you. Here's how I 579 00:28:26,680 --> 00:28:30,520 Speaker 1: get paid as a business owner. I get my annual 580 00:28:31,080 --> 00:28:33,840 Speaker 1: my salary, which I pay myself the least out of 581 00:28:33,840 --> 00:28:36,800 Speaker 1: everybody on the team. I make half of what, like 582 00:28:37,280 --> 00:28:39,320 Speaker 1: like im most people on our team. I won't say yeah, 583 00:28:39,360 --> 00:28:41,120 Speaker 1: I want more than half make six figures. I make 584 00:28:41,200 --> 00:28:44,040 Speaker 1: half that right, That is my annual salary, and that's 585 00:28:44,080 --> 00:28:46,520 Speaker 1: intentional to make sure everybody gets paid first, and then 586 00:28:46,600 --> 00:28:49,760 Speaker 1: what's left over. Every quarter, I get to take an 587 00:28:49,800 --> 00:28:53,840 Speaker 1: owner's draw, so sometimes ain't no owners draw like last year, 588 00:28:53,920 --> 00:28:56,320 Speaker 1: was no owner's draw. I made fifty thousand dollars period, 589 00:28:56,920 --> 00:28:58,400 Speaker 1: right for one of my companies. The I'm the one. 590 00:28:58,440 --> 00:29:00,600 Speaker 1: I was able to get an owner's draw but last year, 591 00:29:01,040 --> 00:29:07,040 Speaker 1: but this year is doing well. So if you know, 592 00:29:07,160 --> 00:29:08,760 Speaker 1: let's say in a quarter, I made it. We made 593 00:29:08,760 --> 00:29:11,200 Speaker 1: a million dollars in a quarter, and then we spent 594 00:29:11,560 --> 00:29:14,840 Speaker 1: five hundred thousand, you know, to make that million dollars. 595 00:29:15,080 --> 00:29:18,720 Speaker 1: Then what's left over after taxes and saving might be 596 00:29:18,840 --> 00:29:23,040 Speaker 1: saying two hundred thousand as an owner's draw. I can 597 00:29:23,160 --> 00:29:26,560 Speaker 1: pull that two hundred thousand for myself. Right, that's the 598 00:29:26,600 --> 00:29:29,040 Speaker 1: benefit of being an owner that I that if we 599 00:29:29,160 --> 00:29:31,840 Speaker 1: make money, I get a lion's share, and if we don't, 600 00:29:31,960 --> 00:29:34,080 Speaker 1: then I get leased at everybody else because we got 601 00:29:34,200 --> 00:29:36,040 Speaker 1: to make money. That's how I like to navigate. So 602 00:29:36,200 --> 00:29:39,480 Speaker 1: I told them transparently. They knew that's how I got paid, 603 00:29:39,520 --> 00:29:40,960 Speaker 1: but I said, let's reiterate. So you know how I 604 00:29:41,000 --> 00:29:43,840 Speaker 1: get paid. I get paid a salary, then I get 605 00:29:43,840 --> 00:29:45,960 Speaker 1: an owner's draw. But if there's no money, I don't 606 00:29:45,960 --> 00:29:47,840 Speaker 1: get paid. What if you can get paid like me? 607 00:29:48,120 --> 00:29:50,120 Speaker 1: And they were like, tell me more. I said, what 608 00:29:50,240 --> 00:29:52,160 Speaker 1: if you maintain your salary? Because I do not have 609 00:29:52,240 --> 00:29:54,160 Speaker 1: money for a raise. As you can see, I've shared 610 00:29:54,160 --> 00:29:57,600 Speaker 1: the numbers with you. But what if my owner's draw, 611 00:29:58,120 --> 00:30:00,600 Speaker 1: if I get one hundred thousand dollars for this owner's 612 00:30:00,680 --> 00:30:02,680 Speaker 1: draw this quarter because we've done so well, what if 613 00:30:02,720 --> 00:30:06,400 Speaker 1: I set aside twenty percent of my draw every quarter 614 00:30:06,600 --> 00:30:10,240 Speaker 1: and put it into a bonus pool, a profit sharing pool. 615 00:30:10,320 --> 00:30:13,080 Speaker 1: They were like ooh, And I said, from that twenty percent, 616 00:30:13,720 --> 00:30:17,880 Speaker 1: you guys, depending on what your what percentage of the 617 00:30:19,560 --> 00:30:22,480 Speaker 1: the payroll pool you get. So let's just say, you know, 618 00:30:23,000 --> 00:30:24,880 Speaker 1: I have this big payroll pool, I have four people, 619 00:30:25,000 --> 00:30:28,400 Speaker 1: and you make thirty percent of the payroll pool. You know, 620 00:30:28,880 --> 00:30:30,840 Speaker 1: like that's how much you know, if I was looking 621 00:30:30,880 --> 00:30:32,720 Speaker 1: at payroll in total, thirty percent of that is going 622 00:30:32,720 --> 00:30:35,600 Speaker 1: to your pay right. So I said, so I'm going 623 00:30:35,640 --> 00:30:37,840 Speaker 1: to set aside twenty percent of what my owner's draw 624 00:30:37,960 --> 00:30:39,720 Speaker 1: is going to be, and you're gonna get a percentage 625 00:30:41,280 --> 00:30:44,760 Speaker 1: of that twenty percent. Whatever your percentage for the payroll 626 00:30:44,800 --> 00:30:47,360 Speaker 1: pool is, you get twenty percent of the or thirty 627 00:30:47,360 --> 00:30:49,080 Speaker 1: percent of the payro pool, you get thirty percent of 628 00:30:49,120 --> 00:30:51,440 Speaker 1: the profit sharing pool. And they were like, okay, So 629 00:30:51,480 --> 00:30:53,280 Speaker 1: obviously last year there was no money because we didn't 630 00:30:53,280 --> 00:30:56,600 Speaker 1: make any But this year already Q one we did good. 631 00:30:57,560 --> 00:31:01,040 Speaker 1: And I don't want to say the highest bonus for 632 00:31:01,200 --> 00:31:05,160 Speaker 1: someone was, was it three? It was between three and 633 00:31:05,240 --> 00:31:08,000 Speaker 1: five thousand dollars? Maybe it was three or four thousand. 634 00:31:08,360 --> 00:31:11,120 Speaker 1: That's great, all of a sudden boom, three thousand dollars 635 00:31:11,200 --> 00:31:14,640 Speaker 1: you wasn't gonna get before. Now Q two we not 636 00:31:14,880 --> 00:31:19,480 Speaker 1: Q two out the park, I mean out the park. 637 00:31:19,920 --> 00:31:22,520 Speaker 1: We made a Q two more in Q two of 638 00:31:22,680 --> 00:31:25,640 Speaker 1: this year, more than what we made all last year. 639 00:31:26,400 --> 00:31:28,560 Speaker 1: So they are already looking like what the bonus pool 640 00:31:28,560 --> 00:31:31,160 Speaker 1: looking like, what that moon is looking like. So they're excited. 641 00:31:31,600 --> 00:31:34,040 Speaker 1: So I don't know. The bonus pool might be so 642 00:31:34,120 --> 00:31:37,200 Speaker 1: great that the most paid person from the payroll pool, 643 00:31:37,480 --> 00:31:39,520 Speaker 1: it might be you know, I don't know, it might 644 00:31:39,600 --> 00:31:42,400 Speaker 1: be eight thousand dollars as a bonus, ten thousand doll 645 00:31:42,440 --> 00:31:44,360 Speaker 1: who knows. By the end of the year, for sure, 646 00:31:45,000 --> 00:31:47,920 Speaker 1: you know they will have made ten thousand dollars plus 647 00:31:47,960 --> 00:31:50,760 Speaker 1: from the bonus pool by all. But you know, if 648 00:31:50,800 --> 00:31:53,560 Speaker 1: we look at every single quarter added up, but that's tremendous. 649 00:31:53,560 --> 00:31:56,760 Speaker 1: So you're asking for a raise, but the bonus pool 650 00:31:56,840 --> 00:32:00,120 Speaker 1: allows me to give you money based upon how all 651 00:32:00,160 --> 00:32:02,560 Speaker 1: the companies doing. But do you see what happens when 652 00:32:02,640 --> 00:32:05,640 Speaker 1: you make yourself so valuable? A way is made for you. 653 00:32:05,800 --> 00:32:08,400 Speaker 1: I cannot lose them. They are amazing on the team. 654 00:32:08,560 --> 00:32:10,440 Speaker 1: I mean, certainly I can find somebody else, but to 655 00:32:10,520 --> 00:32:13,200 Speaker 1: find somebody that understands the business I like working with 656 00:32:13,400 --> 00:32:15,600 Speaker 1: is really smart, it's really great. I don't want to 657 00:32:15,640 --> 00:32:18,920 Speaker 1: lose them, So I don't mind sharing twenty percent of 658 00:32:19,040 --> 00:32:22,600 Speaker 1: what I make with them, because if we make more, 659 00:32:23,280 --> 00:32:26,200 Speaker 1: eighty percent is still a tremendous amount. You know, and 660 00:32:26,400 --> 00:32:29,040 Speaker 1: guess what we are doing so well because they know 661 00:32:29,120 --> 00:32:31,760 Speaker 1: that twenty percent is waiting for them, we're making way more. 662 00:32:32,200 --> 00:32:34,360 Speaker 1: So some people would say, well, girl, forget twenty percent 663 00:32:34,440 --> 00:32:37,080 Speaker 1: up of my of my one hundred percent. Yes, but 664 00:32:37,440 --> 00:32:42,000 Speaker 1: we're making like twenty percent. Let's just say, without this 665 00:32:42,280 --> 00:32:45,400 Speaker 1: like incentive, I would have taken home one hundred thousand, 666 00:32:45,640 --> 00:32:47,760 Speaker 1: but with this incentive, I might take home five hundred 667 00:32:47,800 --> 00:32:50,240 Speaker 1: thousand because they're going so hard because they want they 668 00:32:50,320 --> 00:32:52,440 Speaker 1: want to add that bonus for so I share all that. 669 00:32:52,560 --> 00:32:55,880 Speaker 1: To say that that is another another tool that you 670 00:32:55,960 --> 00:32:57,840 Speaker 1: can use in your tool chest is to make yourself 671 00:32:57,880 --> 00:33:01,000 Speaker 1: so valuable that people find a way, and even if 672 00:33:01,040 --> 00:33:04,400 Speaker 1: they can't find a way, you're so valuable that anybody 673 00:33:04,480 --> 00:33:06,400 Speaker 1: on my team is so amazing they would get scooped 674 00:33:06,440 --> 00:33:09,400 Speaker 1: up in a heartbeat. I know that that they would get. 675 00:33:09,400 --> 00:33:12,320 Speaker 1: People are waiting at the doll for some people on 676 00:33:12,400 --> 00:33:13,880 Speaker 1: my team to not be on my team no more, 677 00:33:14,600 --> 00:33:16,360 Speaker 1: you know, because it's just how much value they bring 678 00:33:16,440 --> 00:33:19,400 Speaker 1: to the table. And so yeah, so just things to 679 00:33:19,480 --> 00:33:23,120 Speaker 1: think about a little ketchup. Well, I guess Mandy ain't 680 00:33:23,200 --> 00:33:24,800 Speaker 1: joining us today, but I just wanted to give you 681 00:33:24,800 --> 00:33:27,160 Speaker 1: guys a little bit of a catch up. Hopefully that 682 00:33:27,280 --> 00:33:31,040 Speaker 1: was helpful and useful. So on Friday, you know, we 683 00:33:31,200 --> 00:33:33,440 Speaker 1: have our BAQA. So if you have questions that need 684 00:33:33,520 --> 00:33:39,800 Speaker 1: answering about business, about career, about entrepreneurship, you can email 685 00:33:39,840 --> 00:33:43,280 Speaker 1: us at Brianda Vision Podcasts at gmail or brandavisionpodcast dot 686 00:33:43,400 --> 00:33:47,640 Speaker 1: com click contact us or a favorite Branda Vision podcast 687 00:33:47,720 --> 00:33:49,800 Speaker 1: on ig sliding the DMS you can ask ours our 688 00:33:49,880 --> 00:33:53,560 Speaker 1: questions there. Please tell me how much are you spending 689 00:33:53,600 --> 00:33:58,320 Speaker 1: monthly on your You're keeping cute upkeep and let me 690 00:33:58,360 --> 00:33:59,920 Speaker 1: know my parents too much? I mean I do live 691 00:34:00,120 --> 00:34:02,800 Speaker 1: Jersey to keep that in fine, you know. So the Northeast. 692 00:34:02,800 --> 00:34:04,200 Speaker 1: I don't even know what the thing's be going for. 693 00:34:05,000 --> 00:34:07,560 Speaker 1: And is there any other upkeep that I'm forgetting, chi'lad, 694 00:34:07,560 --> 00:34:09,000 Speaker 1: I don't even know if I want to know, honey, 695 00:34:09,360 --> 00:34:11,640 Speaker 1: Like what other stuff y'all are doing? Like I know 696 00:34:11,719 --> 00:34:14,439 Speaker 1: the girls were doing botox and fillers. I'm not there yet. 697 00:34:14,800 --> 00:34:17,759 Speaker 1: I say yet, because this good African jeans got me 698 00:34:17,880 --> 00:34:20,239 Speaker 1: wrinkle free. My mom is in her seventies. She ain't 699 00:34:20,239 --> 00:34:23,160 Speaker 1: got a wrinkle, so we might be able to bypass botox. 700 00:34:23,400 --> 00:34:26,560 Speaker 1: We gonna see. And I'm scared of the fillers. You 701 00:34:26,719 --> 00:34:29,520 Speaker 1: filler girls, how's it going? Because I feel like it's 702 00:34:29,560 --> 00:34:34,160 Speaker 1: cute at first and then pillow face comes and I'm like, 703 00:34:35,360 --> 00:34:37,560 Speaker 1: I don't want that for me. I don't want that 704 00:34:37,680 --> 00:34:39,360 Speaker 1: for you. But yeah, but I know that I have 705 00:34:39,400 --> 00:34:41,360 Speaker 1: a friend that gets filler and she looks amazing. But 706 00:34:41,440 --> 00:34:42,879 Speaker 1: I'm like, what is she doing with the other girls 707 00:34:42,920 --> 00:34:44,839 Speaker 1: and not doing? Because some of the girls is going 708 00:34:44,880 --> 00:34:47,440 Speaker 1: too far with the filler. So I have not ventured 709 00:34:47,480 --> 00:34:50,200 Speaker 1: into that space yet. I'm not saying I would never, 710 00:34:50,840 --> 00:34:53,360 Speaker 1: but I'm too scared because y'all not gonna be giggling 711 00:34:53,400 --> 00:34:56,680 Speaker 1: at my face on the pod or on Instagram be like, 712 00:34:56,680 --> 00:35:00,319 Speaker 1: why do the Timny's face It's puffy right now, using 713 00:35:00,360 --> 00:35:03,839 Speaker 1: my lotions and my alixes. All right, until next week, y'all. 714 00:35:03,840 --> 00:35:04,840 Speaker 1: I'll talk to you later about