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Speaker 1: Hey, Hey, Hey we're back. We're black, We're brown, he manage.

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Speaker 2: Hey. Happy brand Ambition Wednesday to you and yours you

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Speaker 2: as well.

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Speaker 1: I don't know. I feel extra chipper today.

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Speaker 2: Oh please pass. The world needs that chipper energy, you know.

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Speaker 1: I think it's more exhaustion because I feel like you

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Speaker 1: know how you feel Loopy're like you know what? It's manic,

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Speaker 1: That's what it is.

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Speaker 2: I mean, well, honestly, it's better that than the opposite.

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Speaker 2: I felt like I had the toxic energy you know

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Speaker 2: when you're just like a negative thought spiral and everything

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Speaker 2: is like you mad at everything. I even went and

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Speaker 2: deleted some things that posted on Instagram because I'm like,

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Speaker 2: nobody needs your anger and your sarcasm right now. Like

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Speaker 2: I did not like who I was last week, and

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Speaker 2: it was all down to lack of sleep.

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Speaker 1: Oh. I remember, like in back on Facebook, like I

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Speaker 1: guess I must have been posted like sad, like this

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Speaker 1: is like when Facebook. When I first got on Facebook

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Speaker 1: and I think I had broken up with my boyfriend

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Speaker 1: at time, and like one of my friends hit me.

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Speaker 1: I was like, so, someone, because according to your Facebook post,

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Speaker 1: because it was like they're all cryptic, like love is

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Speaker 1: a fleeting butterfly.

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Speaker 2: Man, I don't don't do that was like peak two

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Speaker 2: thousand and like eight when people used to post on

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Speaker 2: Facebook if you know me, you know what I mean.

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Speaker 1: I'm like, oh gosh, so yeah, so.

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Speaker 2: Oh goodness, Well I'm glad that you are. You know, well,

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Speaker 2: I'm I'm glad. I don't know. I don't know how to.

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Speaker 1: Ye honestly, I feel good. It's just that, you know,

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Speaker 1: I feel it's like a super busy day.

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Speaker 2: But you must be good busy.

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Speaker 1: Have you been on the club of the house listen.

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Speaker 2: I felt really cool for all of forty five minutes

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Speaker 2: after you gave me my secret invitation to the clubhouse app.

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Speaker 2: Because as soon as like, I don't know, it's like

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Speaker 2: the next day, or maybe it's just because you know,

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Speaker 2: once someone tells you that something, you know you'd see

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Speaker 2: a pattern in the universe, like, oh, yeah, I see

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Speaker 2: that pattern everywhere, but now it's like clubhouse everywhere. But yeah,

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Speaker 2: I've clubhouse is like this, what kind of app would

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Speaker 2: we call it? It's it's a thought a listener leadership app.

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Speaker 2: You listen to people having conversations about yeah, about adding anything. Honestly,

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Speaker 2: I would say, here, it's an audio app, I guess.

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Speaker 1: So think about like if you were doing a Facebook

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Speaker 1: live but there's no visual but sometimes you can talk

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Speaker 1: by yourself and people will listen, or you can like

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Speaker 1: bring your friends on literally the stage and like talk

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Speaker 1: and I go. Like the first couple of times I

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Speaker 1: went on, I hated it. I'm like, this is stupid,

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Speaker 1: until I actually went into a room that was a

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Speaker 1: good room and I was like, oh, like last night,

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Speaker 1: I was in a room listening and they were talking

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Speaker 1: about like Facebook ads and how to maximize them, and

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Speaker 1: it was like some really great people and there was

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Speaker 1: like even some Facebook people from Facebook in it, and

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Speaker 1: I'm like, oh, this is really this is really helpful.

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Speaker 1: So but I would say, I venture to say a

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Speaker 1: good eighty percent of the time if I go take

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Speaker 1: a peek, I'm like no, no, no, no, trash track stretch,

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Speaker 1: like I'll just like you can go, and I guess

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Speaker 1: it's called the hallway as soon as you log in

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Speaker 1: and you see all the conversations happening, and I'm like nope, nope, nope.

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Speaker 1: But then they're twenty percent of the time where I'm like, oh,

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Speaker 1: the title is interesting and usually something about business, and

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Speaker 1: I'll poke my head in and sometimes I get some

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Speaker 1: really great so I'll do work as I listen and

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Speaker 1: I'm like, oh, that's really great, fee but I didn't

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Speaker 1: know that, or like, for example, there'll be tools, like

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Speaker 1: it was one really great conversation about business and marketing

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Speaker 1: and they were sharing all of the tools they use,

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Speaker 1: like oh, I use instead of link and Bio for Instagram,

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Speaker 1: I use whatever you know, Beacon, dot ao or I

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Speaker 1: use this instead of infusion soft. So yeah, yeah, it

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Speaker 1: can be.

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Speaker 2: There's it seems like there's something for everybody. It feels

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Speaker 2: like when I when I went on there, and you know,

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Speaker 2: it pulls up your contacts, you can follow people and whatnot,

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Speaker 2: and it was like everybody black. It was everybody black,

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Speaker 2: and my poss felt like it was on Clubhouse but

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Speaker 2: the icon. I was looking at the icon for the

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Speaker 2: app and it's like a white lady and I'm like,

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Speaker 2: what are they trying to retract or what are they

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Speaker 2: staying here? But then it's true black guy, So I

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Speaker 2: guess they just like switch out there.

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Speaker 1: Yes, let me tell you about So when Clubhouse first started,

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Speaker 1: it was filled with like all these white guys, you know,

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Speaker 1: like all the investors in Silicon Valley. And then you know,

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Speaker 1: we are us as in Brown Ambition us, we are

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Speaker 1: the kings and queens of social So as they started

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Speaker 1: to open up to like entertainment, so there were some

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Speaker 1: people that were just hand invited, like hey you, hey you,

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Speaker 1: hey you, hey you, and then the black people took

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Speaker 1: over because I was asking, I said, I asked a

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Speaker 1: friend of mine who was like one of the early

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Speaker 1: adopters or whatever. I said, like, am I just seeing

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Speaker 1: rooms with black people because I'm black? Is it just

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Speaker 1: showing me? You know how like Instagram's like are you black?

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Speaker 1: You want to see this? He was like, no, that

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Speaker 1: the white people have disappeared?

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Speaker 2: Is it like the Tommy Hill figure of apps? Like

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Speaker 2: Tommy Hill figure in nineteen ninety four?

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Speaker 1: So one said that clubhouse is the pole of apps?

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Speaker 2: Wait has that happened until to them or to Loop? Whatever?

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Speaker 1: Yes, poor to Loom someone said, to Loom got to

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Speaker 1: be tired because everyone is my friend love you said that.

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Speaker 1: She was like, girl to Loom is tired. I wish

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Speaker 1: you to leave that girl alone. So so yeah, So

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Speaker 1: because I was wondering and I was like, oh, maybe

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Speaker 1: they just show me, He's like, no, we have totally

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Speaker 1: taken over that app. And like all of the early

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Speaker 1: adopters and you know, Silicon Valley guys like you'll you'll

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Speaker 1: see every once in a while because it does kind

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Speaker 1: of you you see the rooms based upon like you know,

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Speaker 1: kind of who you follow, but then you can explore

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Speaker 1: other rooms. The app is like it feels like eighty

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Speaker 1: percent blackly black black black.

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Speaker 2: So there's that house you're welcome. But yeah, I I

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Speaker 2: also but to answer your question, no, I haven't had

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Speaker 2: I haven't been able to spend much time on it.

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Speaker 1: But I've been poking.

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Speaker 2: I'm gonna lurk. I'm a lurker, Okay. I didn't even

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Speaker 2: start tiktoking till like way after people my age like

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Speaker 2: made jokes about how they're too old too, you know,

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Speaker 2: learn the choreography and then learned it like I was

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Speaker 2: maybe October. I sort of tiktoking, and then I stopped

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Speaker 2: promptly about a month after I started, but never.

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Speaker 1: To get into TikTok. What's that I never got into TikTok.

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Speaker 2: There are a lot of personal finance TikTokers, and I

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Speaker 2: need to It's really funny, really, And I not only that,

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Speaker 2: but I like, I've found out more about my vagina

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Speaker 2: from some doctor's TikTok than I've ever learned from like

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Speaker 2: going really yeah, it was like a quick sixty second

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Speaker 2: TikTok on like the health of your vagina, and I

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Speaker 2: was like, oh wow, oh oh okay, So shout out

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Speaker 2: to uh the professionals trying to reach the youths and

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Speaker 2: random older millennials out there, But uh, what else is

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Speaker 2: so the news today which I don't even know, I

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Speaker 2: sort of had seen on CNN on the background, but

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Speaker 2: I guess we have to congratulate Joe Biden for being

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Speaker 2: president again for like.

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Speaker 1: The hunger time. So did oh did they all get

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Speaker 1: all his electors called the electorates, they were all whatever.

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Speaker 2: Put in Well he got well over two seventy like

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Speaker 2: they called California before I came down here to record,

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Speaker 2: and I'm like, Okay, congrats is really overcheck because it is, And.

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Speaker 1: It's not because I don't the elector don't they have

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Speaker 1: to like go.

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Speaker 2: To like have to go to Congress or something like.

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Speaker 1: That, and then the vice president has to like even

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Speaker 1: if the good thing is because if you guys are

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Speaker 1: not following following my fave Neil katal on Instagram. He

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Speaker 1: really every day he breaks down all that's happening as

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Speaker 1: far as the election is concerned. But he's a a

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Speaker 1: what do they call them? Uh A what is that?

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Speaker 1: The highest court in the land court attorney, like super

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Speaker 1: smart but also really funny and a little snarky, which

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Speaker 1: I love. But he really breaks it down. So I'm like, oh,

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Speaker 1: that's what's going on. So not only will he tell

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Speaker 1: you like what happened today legally as far as like

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Speaker 1: what's happening with the election, he will also kind of

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Speaker 1: like give you like a heads up of what to

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Speaker 1: think about and look for moving forward. And so I

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Speaker 1: did hear him say that last night. I was watching

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Speaker 1: him last night, him saying like, Okay, today it was

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Speaker 1: kind of like the day. And then they have to

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Speaker 1: bring it to I think, like you said, I guess

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Speaker 1: they got to bring to Congo. But even if the

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Speaker 1: vice president refuses to acknowledge Joe Biden A's vice president,

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Speaker 1: that's a new formality. It's not necessary for it's not

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Speaker 1: it's not a necessary component for it to for it

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Speaker 1: to be legally binding. So I was like, Okay, good,

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Speaker 1: good to know.

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Speaker 2: Yeah, well, I mean I'm good to know. There's just

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Speaker 2: all these opportunities. I guess on the flip side, I wouldn't.

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Speaker 2: I would be a little annoyed if I to find

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Speaker 2: it would be too easy to become president. I mean,

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Speaker 2: we have all these little stop gap measures, but I

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Speaker 2: mean when the Supreme Court says, listen, Texas, get out

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Speaker 2: of our faces with this bogus lawsuit, and like most

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Speaker 2: of them did so it's it's over. Oh Rio learned

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Speaker 2: a new trick, though this is also a news update.

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Speaker 2: He knows how to open the basement door, so all

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Speaker 2: bets are off. There is no lock on this door,

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Speaker 2: so he is now the Superman of our podcast, except

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Speaker 2: he screams when he enters. Oh goodness, did you see

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Speaker 2: the controversy over Cardi b now her tweet? She apparently

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Speaker 2: tweet did like a question about should she buy it

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Speaker 2: eighty eight eighty eight or eighty thousand dollars perse handbag?

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Speaker 2: And Twitter was not having it. They're like, in the

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Speaker 2: middle of a pandemic and an economic crisis, you would

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Speaker 2: like to ask your fans on Twitter if you should

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Speaker 2: spend eighty thousand dollars on a handbag? And she got

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Speaker 2: a little snippy with people in return. But I don't

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Speaker 2: think Cardi is the only one. Like you've seen celebrities

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Speaker 2: like they still post there and it's not just like celebrities.

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Speaker 2: I'm bad at anybody out here frivolously spending but also

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Speaker 2: just frivolously unmasking, gathering like you know, posting pictures of

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Speaker 2: just out of touch with reality, you know. So Cardi

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Speaker 2: got dragged just just a little bit yike.

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Speaker 1: I mean yeah, cause here's the thing, I don't know

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Speaker 1: who's I was watching, So like, have your gathering if

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Speaker 1: that's what you want, But why do you feel the

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Speaker 1: need to have to share your shenanigans. Yeah, it's almost

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Speaker 1: like you can't enjoy unless you feel like people feel

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Speaker 1: less than And I used to have like a remember

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Speaker 1: we talk earlier when we first started a podcast about

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Speaker 1: the bully friend. Oh yes, yes, right, I used to

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Speaker 1: have like a bully friend in college who literally if

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Speaker 1: I thought a guy was cute, she would go after

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Speaker 1: him and like get his number. But oh my god,

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Speaker 1: I got Randy's number and I'd be like okay, and

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Speaker 1: she's like, are you mad, I'm like no, I mean

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Speaker 1: I just said that guy in science is cute. I mean, like,

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Speaker 1: we don't have a baby to gether like. And so

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Speaker 1: it took me a while to realize that, oh, she's

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Speaker 1: doing that intentionally. If I say someone is cute, she

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Speaker 1: goes after them because it's like she can't feel good

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Speaker 1: about what she has unless she feels like she has

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Speaker 1: one up on someone. So clearly we're no longer friends.

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Speaker 2: But some people that's social media in a nutshew though, yes, right,

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Speaker 2: that's why I haven't been posting. And while there's nothing

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Speaker 2: to post, nothing, people uh jealous of just me in

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Speaker 2: a house, crying sometimes in the corner, but mostly having

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Speaker 2: a good time watching Sasame Street and working.

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Speaker 1: And that's why I honestly, I mean like thank God,

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Speaker 1: like you know, because I honestly, if I had a

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Speaker 1: Tiffany and Let page, there'd be nothing on there. So

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Speaker 1: with the budgets, you know, we're just posting here's how

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Speaker 1: to save and here's how to budget, and yeah, I

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Speaker 1: don't even I mean, I feel that's what I love

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Speaker 1: about our podcast because you know, we can talk about

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Speaker 1: Rio and then I'll talk about Superman, you talk about husband,

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Speaker 1: because I hear I'm a little more candid, but I

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Speaker 1: don't really share those things like I used to on

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Speaker 1: social because it's not super weird. But sometimes it's gotten

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Speaker 1: a little bit weird with people googling who my husband

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Speaker 1: was or stuff like that. And I was just like, yeah, so.

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Speaker 2: That the people want to know. Somebody actually were like, yeah,

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Speaker 2: I know, this podcast lives on forever, but it's a

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Speaker 2: lot harder. I feel like to go back and hear,

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Speaker 2: you know, recently, something someone said versus, you know, just

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Speaker 2: scrolling and plucking out a bad Instagram. So yeah, I've

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Speaker 2: always been a little weary of the social the social lensa.

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Speaker 1: It was so much fun social, so much fun. It

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Speaker 1: was like your friends, You're like, oh, it's rage to

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Speaker 1: post the supers all the time. Remember, I was like

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Speaker 1: super Girls, Superman, super fam. And then like one day,

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Speaker 1: like one of one of my friends was like, my

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Speaker 1: cousin is really weird. She asked me if you guys

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Speaker 1: broke up because you don't post this Superman as much.

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Speaker 1: I was like, what, Well, first of all, why is

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Speaker 1: she concerned? And even if we did break up, which

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Speaker 1: we have not, Oh, why does she care? Like but

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Speaker 1: it was like more like it wasn't like oh, it

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Speaker 1: was like is she okay? Can you ask your friend

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Speaker 1: about Denise if she's okay? Because she doesn't posted Man anymore.

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Speaker 1: So I'm just assuming that they broke up. I was

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Speaker 1: almost like she was trying to get tea. I was like, ah,

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Speaker 1: my life. So I was like, you know what, I

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Speaker 1: just posted him on his birthday and even then I

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Speaker 1: post both of them. I'm like, guess which one You'll

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Speaker 1: never know?

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Speaker 2: Yeah, I feel what's interesting earlier you talked about I forget,

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Speaker 2: oh something about clubhouse. How you can just like you know,

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Speaker 2: you can talk even to yourself. And I just I

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Speaker 2: kind of hit a wall this weekend and I took

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Speaker 2: myself out of the game. I took myself out of

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Speaker 2: the house. I was like, I have to go. I

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Speaker 2: literally just as something snapped and I was like, I

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Speaker 2: I have an errand to run and I just left

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Speaker 2: my husband and it was like, okay, bye, I haven't

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Speaker 2: been out the house in like two weeks. It's been

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Speaker 2: a long long time time, Like literally, have not left you.

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Speaker 2: I never except to decorate the house for Christmas, so

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Speaker 2: haven't left my yard, I guess. And I just I

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Speaker 2: don't know I had this. I guess it was just anxiety,

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Speaker 2: pure and simple. My anxiety is coming back and and

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Speaker 2: well not coming back. It's always there, but she's you know,

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Speaker 2: she she was a little harrier and scarier last week,

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Speaker 2: and hence the not sleeping. And it just felt a

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Speaker 2: little too too much like like February twenty twenty to me,

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Speaker 2: you know, back when I was at my peak anxiety.

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Speaker 2: But I am a stronger and smarter person, so I

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Speaker 2: actually did something this time. I left the house and

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Speaker 2: I ended up looking. I just got a coffee from Starbucks,

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Speaker 2: a nice little latte, and I went and I just

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Speaker 2: sat in a parking lot in the car and I

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Speaker 2: just sat there and that's all I could do. I

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Speaker 2: was like I had all this like boxes and bags

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Speaker 2: in the trunk, like returns to different stores, and I

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Speaker 2: did have errands to run. But I don't know if

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Speaker 2: you've ever felt that way, but I just was like,

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Speaker 2: I just don't want to do it. I don't want

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Speaker 2: to drive, I don't want to I'm just gonna sit here.

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Speaker 2: And then I ended up I pulled out my voice

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Speaker 2: memo app and I just like because it just it

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Speaker 2: didn't feel like the kind of thing that was right

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Speaker 2: for social media. It just felt too raw. But it

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Speaker 2: really made me feel better, like just talking out into

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Speaker 2: the air and just sitting there. And then I got

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Speaker 2: some lunch and then I went home, and I'm going

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Speaker 2: to call that self care. Like part of me is like, maybe,

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Speaker 2: like why didn't you go for a walk, Why didn't

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Speaker 2: you do the peloton? Like maybe you could have, you know,

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Speaker 2: moved your body, but it just even the body didn't

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Speaker 2: want to be moved. It was just sit your ass

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Speaker 2: down and you know, just be for a little while.

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Speaker 2: I feel a lot better now. I'm getting sleep, I'm

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Speaker 2: doing my breathing exercises and uh, you know, I've even

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Speaker 2: I really have leaned on meditation these past few months especially,

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Speaker 2: so I'm starting to do that again and I'm getting

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Speaker 2: her under control. I'm the beast is always there, the

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Speaker 2: beast of anxiety. But you know, I'm just I'm just

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Speaker 2: combing her hair, smoothing it out, you know, giving her

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Speaker 2: a little treat. Do you just stay there, staying your

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Speaker 2: stay at your spot so I can, you know, get

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Speaker 2: on with my life. But I forgot. It reminded me

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Speaker 2: how when it creeps back up like that and you

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Speaker 2: hit and you get it's so hard to break out

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Speaker 2: of it. And it's it brought me back, and I

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Speaker 2: was like, I do not, Nope, do not want to

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Speaker 2: return to this place. But I'm I'm a lot better now,

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Speaker 2: a lot better now.

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Speaker 1: Good, And I'm glad you recognize and said, no, I'm

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Speaker 1: going to take a break in recognizing that a break.

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Speaker 1: It's not it's not always tuloom. Sometimes it's just sitting

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Speaker 1: in the car, you know, Well, I think.

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Speaker 2: It's just it feels so suffocating now because and it

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Speaker 2: reminded me again. It just brought me back to like

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Speaker 2: maternity leave, because maternity leave in my peak anxiety because

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Speaker 2: it just feels like there's nowhere safe to go, and

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Speaker 2: it also feels you feel insane because it looks like

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Speaker 2: everyone else is going there. Like I know, the parking

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Speaker 2: lot was lit at that strip mall, and I, you know,

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Speaker 2: and I watched a lot of people come and go

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Speaker 2: for those forty five minutes. And I even went there

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Speaker 2: to avoid the mall because I knew that the mall

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Speaker 2: would be, you know, busy. But and I'm just say,

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Speaker 2: am I insane? Am I the only one who cares?

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Speaker 2: And also I desperately want to go somewhere but nothing,

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Speaker 2: you know, it's just yeah, I nothing feels safe, and

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Speaker 2: so I just you know, I social distanced myself in

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Speaker 2: my car and that was that.

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Speaker 1: Well, you got a break. So that's what matters most.

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Speaker 1: I had my first So remember, you know I said

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Speaker 1: I hired Stephanie my my my therapist finder. So many

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Speaker 1: of y'all have flooded her so which I love because therapy, help, coaching, whatever,

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Speaker 1: everyone needs a little boost, you know. Yeah, So when

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Speaker 1: I met with Stephanie. As we were talking through things,

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Speaker 1: she kept saying, I don't know if therapy is what

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Speaker 1: I'm hearing. She's like, I'm not saying everyone doesn't need

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Speaker 1: therapy at some point, you know, which I myself throughout college,

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Speaker 1: I had therapy because I was really struggling. But she

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Speaker 1: was like, the things that you are struggling with, Tiffany,

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Speaker 1: she said, therapy really unearthed some of the past things

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Speaker 1: and the things that like you sound like you're struggling

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Speaker 1: with is really present things like you know, like cause

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Speaker 1: I was like, I'm overwhelmed with being a CEO of

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Speaker 1: too many dad gone companies and all the things I

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Speaker 1: put on my plate and setting boundaries. And she was like,

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Speaker 1: when I when you talk about some of the trauma

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Speaker 1: from your past, you talk about it in a healthy way,

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Speaker 1: which shows me you've done a lot of the work,

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Speaker 1: which I have. And she was like, it's just even

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Speaker 1: the way your relationships are, it shows that you've done enough,

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Speaker 1: so much work, so much so that you can have

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Speaker 1: healthy relationships and it's not holding you from moving forward,

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Speaker 1: you know, like you obviously you know you're you're productive

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Speaker 1: or whatever. And I was like, this is true. So

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Speaker 1: she's like, I'm not saying I'm not throwing out therapy altogether,

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Speaker 1: but I really feel like coaching might be more of

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Speaker 1: an alignment. I was like, okay, Like I said, therapy

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Speaker 1: is past, coaching is present. And I was like, okay,

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Speaker 1: so cannet coaching, yeah, because I wish I've never had before.

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Speaker 1: I was like, I mean, I've had executive coaching as

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Speaker 1: far as coaching specifically for like this business, because we're

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Speaker 1: gonna you know, like I've I've had. I just did

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Speaker 1: that this year, which was very helpful. So I was

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Speaker 1: always kind of not gonna lie. I felt life life

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Speaker 1: coaching sound a little scammy spammy. But what I did

401
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Speaker 1: like about the coach she suggested is that this coach

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Speaker 1: is a doctor and she's a therapist, but she has

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Speaker 1: a doctorate as well, so she's a doctor. But so

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Speaker 1: I was like okay. So she was like doctor Green

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Speaker 1: is a therapist, but she has a coaching like component,

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Speaker 1: like like, so she's not going to get because she

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Speaker 1: separates the two. You can't get therapy and coaching at

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Speaker 1: the same time. So I like that. I was like, okay,

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Speaker 1: she said, Now she said, the reason why I like

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Speaker 1: doctor Green, is that as she's coaching you with the

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Speaker 1: things that you're working through now, if she hears something

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Speaker 1: that concerns her that she says, you know what this

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Speaker 1: requires therapy, She's going to hear and know and then

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Speaker 1: redirect you. So I was like, okay, I thought it

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Speaker 1: was a perfect Honestly, Stephanie the therapy finder. I mean,

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Speaker 1: I've already said like four friends to her and they've

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Speaker 1: come back to me and said, girl, did you cry

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Speaker 1: because I cried? I said, I cried? And then and

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Speaker 1: then she's found them an amazing therapist or has given

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Speaker 1: them the tool to move forward or not move forward

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Speaker 1: with their current therapist, because Stephanie does that too, like, hey,

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Speaker 1: you know it's my therapist. Now have I outgrown them?

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Speaker 1: If you have those types of questions, She's just awesome.

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Speaker 1: So anyway, she connected me with doctor Green. We had

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Speaker 1: our first call on Friday. Man, d it was everything.

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Speaker 1: I was like, she was exactly right. I didn't not

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Speaker 1: that I've said, I won't say I don't need therapy,

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Speaker 1: but what I'm really struggling with is not really my

429
00:20:26,040 --> 00:20:29,560
Speaker 1: past stuff. It's just the current load of my life now.

430
00:20:30,040 --> 00:20:32,320
Speaker 1: And so doctor Green, where we were really like working

431
00:20:32,320 --> 00:20:34,000
Speaker 1: through and talking through. She gave me like some homework

432
00:20:34,080 --> 00:20:37,680
Speaker 1: and it was just really good. Something that she said,

433
00:20:37,720 --> 00:20:39,399
Speaker 1: I'll share this with you guys, something that she shared

434
00:20:39,720 --> 00:20:42,840
Speaker 1: because we were I was sharing how I have a

435
00:20:42,840 --> 00:20:44,760
Speaker 1: hard time setting boundaries and she was, you know, kind

436
00:20:44,800 --> 00:20:47,159
Speaker 1: of unearthing the why, the why, the why, and you know,

437
00:20:47,200 --> 00:20:49,119
Speaker 1: really what unearthed was that I don't want to be

438
00:20:49,160 --> 00:20:52,440
Speaker 1: seen as difficult. And she said, well, what's the difficult person.

439
00:20:52,440 --> 00:20:54,320
Speaker 1: I'm like, well, people that you know that make people

440
00:20:54,359 --> 00:20:57,800
Speaker 1: feel uneasy, people that make it harder for other people

441
00:20:57,920 --> 00:20:59,920
Speaker 1: and this and that. She's like, okay, well, do you

442
00:21:00,119 --> 00:21:02,520
Speaker 1: have any friends that are like, you know, pretty assertive whatever.

443
00:21:02,520 --> 00:21:04,359
Speaker 1: I was like, oh, yeah, yeah, some of my favorite friends,

444
00:21:04,400 --> 00:21:06,720
Speaker 1: like my friend Mandy is really like clear and asserted,

445
00:21:06,760 --> 00:21:08,560
Speaker 1: my friend Cabra, my friend really like the people who

446
00:21:08,600 --> 00:21:10,320
Speaker 1: I talk to the most. And she said, do you

447
00:21:10,359 --> 00:21:13,119
Speaker 1: think they're difficult? And I'm like no, and she was like,

448
00:21:13,240 --> 00:21:16,560
Speaker 1: so only when you assert yourself it's difficult, but when

449
00:21:16,560 --> 00:21:19,040
Speaker 1: your friends do, it's something that you admire and that's

450
00:21:19,040 --> 00:21:20,879
Speaker 1: one of the reasons why you're friends with them. And

451
00:21:20,920 --> 00:21:25,639
Speaker 1: I was like, say what now, because honestly, it is

452
00:21:25,680 --> 00:21:30,080
Speaker 1: I realized that I surround myself with badass folks like you, Mandy,

453
00:21:30,119 --> 00:21:31,800
Speaker 1: like for real, like you, my friend Cabra, my friend

454
00:21:31,880 --> 00:21:37,000
Speaker 1: Rihanna went, I look, and I love the how like

455
00:21:37,000 --> 00:21:40,720
Speaker 1: like just assertive and clear and the boundaries that you set.

456
00:21:40,840 --> 00:21:43,320
Speaker 1: And yet I have told myself, if I do it,

457
00:21:43,480 --> 00:21:45,360
Speaker 1: that's bad, Tiffany, but if you do it like, oh,

458
00:21:45,359 --> 00:21:47,920
Speaker 1: look at Mandy go you know. So she was just

459
00:21:48,080 --> 00:21:50,280
Speaker 1: like okay. So there was just like homework on Earth,

460
00:21:50,320 --> 00:21:52,760
Speaker 1: those types of things. It was really, honestly, it was

461
00:21:52,840 --> 00:21:55,000
Speaker 1: everything I left feeling of cross. I cried because you know,

462
00:21:55,040 --> 00:21:57,520
Speaker 1: I'm such a cry baby. Meanwhile, I was crying. So

463
00:21:57,760 --> 00:22:00,080
Speaker 1: we have a video chat, and my sister walked in like, hey,

464
00:22:00,520 --> 00:22:05,320
Speaker 1: oh my dad. So I felt like she was Rio.

465
00:22:05,400 --> 00:22:07,200
Speaker 1: I was like, look at Rio just opening the door.

466
00:22:08,800 --> 00:22:10,320
Speaker 2: She didn't scream and throw something.

467
00:22:11,240 --> 00:22:15,520
Speaker 1: But honestly, it was so good, and it just I've

468
00:22:15,560 --> 00:22:19,520
Speaker 1: decided that I'm really going to put some real effort

469
00:22:19,840 --> 00:22:23,439
Speaker 1: into self care, and not because self care is so

470
00:22:23,480 --> 00:22:25,520
Speaker 1: easy to think, like your massages and your therapist or whatever,

471
00:22:25,640 --> 00:22:27,920
Speaker 1: not just that like my on my shoulder, I haven't

472
00:22:27,920 --> 00:22:29,679
Speaker 1: had full range of motion for a while. It's been

473
00:22:29,720 --> 00:22:32,360
Speaker 1: really it was like hurting, and so I started. I'm

474
00:22:32,400 --> 00:22:34,480
Speaker 1: on week two of physical therapy. I go three times

475
00:22:34,480 --> 00:22:36,760
Speaker 1: a week, and I cleared that time on my calendar

476
00:22:36,800 --> 00:22:38,840
Speaker 1: to make it work. I have on my list. I'm like, okay,

477
00:22:39,560 --> 00:22:42,080
Speaker 1: let's go back to the dentist. You know, you's you

478
00:22:42,119 --> 00:22:43,879
Speaker 1: didn't get your cleaning this year because you know, I

479
00:22:43,920 --> 00:22:46,560
Speaker 1: was like, eh, dentists cleaning. I don't know about COVID

480
00:22:46,640 --> 00:22:49,600
Speaker 1: mouth open, you know, but let's schedule that. So like

481
00:22:49,720 --> 00:22:52,440
Speaker 1: really just scheduling all these so not just taking care

482
00:22:52,480 --> 00:22:57,000
Speaker 1: of myself mentally and emotionally, but like what things physically

483
00:22:57,080 --> 00:22:58,719
Speaker 1: have I not done? Like I'm like, okay, I got

484
00:22:58,760 --> 00:23:01,879
Speaker 1: to go back to the because like I was supposed

485
00:23:01,920 --> 00:23:03,159
Speaker 1: to do all the stuff she wanted me to do,

486
00:23:03,200 --> 00:23:04,760
Speaker 1: and I was like I didn't. So I'm like, okay,

487
00:23:04,800 --> 00:23:07,320
Speaker 1: let me go back. So I'm just like excited about, like,

488
00:23:07,359 --> 00:23:12,959
Speaker 1: you know, really making my overall health a top priority

489
00:23:13,359 --> 00:23:15,720
Speaker 1: and you know that, you know, having that. I talk

490
00:23:15,800 --> 00:23:18,199
Speaker 1: with doctor Green every two weeks. It's a six week program.

491
00:23:18,400 --> 00:23:20,600
Speaker 1: I talk for heruth every two weeks, and my homework

492
00:23:20,600 --> 00:23:23,679
Speaker 1: homework is I have to write a letter I have

493
00:23:23,720 --> 00:23:25,760
Speaker 1: to my forty six year old self has to write

494
00:23:25,760 --> 00:23:28,600
Speaker 1: a letter to my forty one year old self, because

495
00:23:28,640 --> 00:23:34,160
Speaker 1: I have a big fear of like, like that something

496
00:23:34,200 --> 00:23:35,840
Speaker 1: is going to happen, Like because everything right now my

497
00:23:35,840 --> 00:23:38,080
Speaker 1: life is so good that I'm always I'm scared that,

498
00:23:38,119 --> 00:23:40,560
Speaker 1: But what about when it's not good? And she's like, well,

499
00:23:40,600 --> 00:23:42,639
Speaker 1: have your older self write you a letter now to

500
00:23:42,680 --> 00:23:45,280
Speaker 1: talk about what you think life is like then, you know,

501
00:23:45,400 --> 00:23:47,359
Speaker 1: to kind of allay those fears. And she's like, I

502
00:23:47,400 --> 00:23:50,960
Speaker 1: would challenge you to say, so, let's pretend that you're right.

503
00:23:51,080 --> 00:23:53,800
Speaker 1: In five years, it's not as good. The budget, he says,

504
00:23:53,800 --> 00:23:56,399
Speaker 1: is not as poppin'. You know, maybe you're struggling with

505
00:23:55,960 --> 00:23:58,320
Speaker 1: your with your relationship with your husband, You and your

506
00:23:58,359 --> 00:24:01,320
Speaker 1: sisters are not as close. I was like, ah, she said,

507
00:24:01,920 --> 00:24:05,440
Speaker 1: knowing that, what would you wish you knew if you

508
00:24:05,640 --> 00:24:07,439
Speaker 1: if you knew that five years from now things are

509
00:24:07,440 --> 00:24:09,240
Speaker 1: going to be harder, what would you wish you did now?

510
00:24:09,520 --> 00:24:13,199
Speaker 1: I said, lean in more? She said exactly, like, so

511
00:24:13,440 --> 00:24:16,880
Speaker 1: even if your worst fears are true, all the more

512
00:24:16,920 --> 00:24:20,760
Speaker 1: reasons to lean in more. I was like, it was

513
00:24:20,760 --> 00:24:23,760
Speaker 1: so good many honestly, it was so good, So.

514
00:24:24,240 --> 00:24:26,440
Speaker 2: I don't don't really feel like crying on this show.

515
00:24:26,520 --> 00:24:30,359
Speaker 1: So I just want to give you that those because

516
00:24:30,400 --> 00:24:32,480
Speaker 1: I know I love you know, I trying to be

517
00:24:32,520 --> 00:24:35,360
Speaker 1: obviously keep I keep things, obviously some stuff for myself.

518
00:24:35,400 --> 00:24:39,720
Speaker 1: But I'm sharing that because I I know someone out

519
00:24:39,720 --> 00:24:43,000
Speaker 1: there needs to hear and you know, and I feel

520
00:24:43,000 --> 00:24:44,879
Speaker 1: like what I love about the show is that we share,

521
00:24:44,960 --> 00:24:48,200
Speaker 1: you know, the hard things, the good things, the challenging things,

522
00:24:48,200 --> 00:24:49,919
Speaker 1: and yeah, so I just wanted to kind of like

523
00:24:50,119 --> 00:24:53,560
Speaker 1: slip that sizzle in spirit if you are needing to

524
00:24:53,600 --> 00:24:55,640
Speaker 1: hear that, so but I will, I will leave it there.

525
00:24:56,720 --> 00:24:59,119
Speaker 2: Well, thanks for sharing that. And I'm excited because I

526
00:24:59,640 --> 00:25:03,640
Speaker 2: feel it's just not the It's been such a year

527
00:25:04,000 --> 00:25:06,840
Speaker 2: and I think we've all spent the last year kind

528
00:25:06,880 --> 00:25:08,959
Speaker 2: of figuring out what it is that we need because

529
00:25:09,720 --> 00:25:11,800
Speaker 2: the coping strategies that used to get us through one

530
00:25:11,840 --> 00:25:14,119
Speaker 2: bad week or one bad day just don't work for

531
00:25:14,160 --> 00:25:17,040
Speaker 2: one bad year. And it's only gonna even if the

532
00:25:17,040 --> 00:25:21,080
Speaker 2: worst never does come, being prepared for it mentally, emotionally,

533
00:25:21,240 --> 00:25:23,840
Speaker 2: all spiritually, all of that is it can only be good.

534
00:25:24,119 --> 00:25:26,160
Speaker 2: So thanks for sharing that, Tiff.

535
00:25:26,400 --> 00:25:26,960
Speaker 1: No prob.

536
00:25:27,760 --> 00:25:29,639
Speaker 2: Shall we take a quick break and come back with

537
00:25:29,720 --> 00:25:34,440
Speaker 2: your questions let's get back to money and careers making

538
00:25:34,440 --> 00:25:35,159
Speaker 2: that money.

539
00:25:34,880 --> 00:26:12,080
Speaker 1: Off, and we're back with questions. Putas if you will.

540
00:26:12,720 --> 00:26:15,560
Speaker 1: You didn't know I was bilingual. I am, well, I

541
00:26:15,600 --> 00:26:19,080
Speaker 1: have one or two words you ask. My favorite part

542
00:26:19,080 --> 00:26:23,640
Speaker 1: of the show. Questions, Questions, questions, Oh, questions, questions, questions,

543
00:26:23,800 --> 00:26:24,800
Speaker 1: Questions come.

544
00:26:24,640 --> 00:26:27,480
Speaker 2: On many in congo. Okay, yeah, right, like I.

545
00:26:27,400 --> 00:26:29,120
Speaker 1: Want you, I want you. I need your shoulders moving.

546
00:26:29,160 --> 00:26:32,000
Speaker 1: I can't see you, but I can feel you. Questions, questions. Question.

547
00:26:32,119 --> 00:26:34,320
Speaker 2: If I move my shoulders, then the pillows that I

548
00:26:34,359 --> 00:26:36,600
Speaker 2: have propped up to help with sound, they move, so

549
00:26:36,680 --> 00:26:39,320
Speaker 2: I'm actually just hunched in the worst position ever.

550
00:26:40,200 --> 00:26:41,920
Speaker 1: We'll go ahead with the questions, questions.

551
00:26:42,040 --> 00:26:44,960
Speaker 2: Let's get to the question. Our first question comes from

552
00:26:45,040 --> 00:26:48,919
Speaker 2: let's call her Brandy. Okay, Brandy says, how can I

553
00:26:48,960 --> 00:26:51,920
Speaker 2: pay off twenty thousand dollars in debt on a fixed income?

554
00:26:52,400 --> 00:26:54,600
Speaker 2: I have no real property and due to health I

555
00:26:54,640 --> 00:26:58,840
Speaker 2: cannot get a job. Thank you. This is a whole

556
00:26:58,840 --> 00:27:00,480
Speaker 2: lot of questions, and so if you were words.

557
00:27:00,880 --> 00:27:05,960
Speaker 1: Yeah, well, here's the thing. The best method that I

558
00:27:06,000 --> 00:27:08,640
Speaker 1: have found out, it's slow and steady wins. The races

559
00:27:08,720 --> 00:27:10,200
Speaker 1: of My dad used to say when we were kids.

560
00:27:10,560 --> 00:27:13,040
Speaker 1: So I remember during the two thousand and eight recession,

561
00:27:13,160 --> 00:27:15,240
Speaker 1: I had thirty five thousand dollars in credit card debt

562
00:27:15,240 --> 00:27:19,000
Speaker 1: and I was living on unemployment, and so what I

563
00:27:19,000 --> 00:27:23,480
Speaker 1: did was, honestly, I used the snowball method. And it's

564
00:27:23,520 --> 00:27:26,199
Speaker 1: not fast, but it's slow and steady. And the way

565
00:27:26,240 --> 00:27:28,960
Speaker 1: the snowball method works is that you pay off the

566
00:27:29,000 --> 00:27:35,320
Speaker 1: debt with the lowest balance first, So well first and

567
00:27:35,359 --> 00:27:37,119
Speaker 1: if you if for those, I'm going to describe it,

568
00:27:37,160 --> 00:27:38,520
Speaker 1: but I'm sure I'm going to flow it up. You

569
00:27:38,520 --> 00:27:40,080
Speaker 1: can always go to the budget east to the blog and

570
00:27:40,119 --> 00:27:42,680
Speaker 1: type in snowball and then it I literally walk you through.

571
00:27:42,920 --> 00:27:45,840
Speaker 1: So snowmall with it works like this. So you list

572
00:27:45,880 --> 00:27:47,720
Speaker 1: your debt from the lowest to highest as far as

573
00:27:47,800 --> 00:27:51,119
Speaker 1: balances are concerned, and then you have to look at

574
00:27:51,119 --> 00:27:54,920
Speaker 1: your budget to find some money could set aside. Maybe

575
00:27:54,920 --> 00:27:58,159
Speaker 1: it's twenty dollars, maybe it's ten dollars, whatever that looks like.

576
00:27:58,280 --> 00:28:01,120
Speaker 1: You know, it's like set aside specific amount of money

577
00:28:01,160 --> 00:28:02,520
Speaker 1: that you can like, Okay, I'm going to put this

578
00:28:02,560 --> 00:28:05,360
Speaker 1: to accelerate the snowball method. So let's just pretend it's

579
00:28:05,400 --> 00:28:09,200
Speaker 1: twenty five dollars. So you pay the minimum to all

580
00:28:09,240 --> 00:28:12,280
Speaker 1: the debt on your list except for that smallest debt.

581
00:28:12,480 --> 00:28:15,240
Speaker 1: You're gonna give it it's minimum plus that twenty five

582
00:28:15,280 --> 00:28:17,639
Speaker 1: dollars you've set asign and then you're just going to

583
00:28:17,720 --> 00:28:20,399
Speaker 1: keep paying that every month until that smallest debt is

584
00:28:20,440 --> 00:28:22,879
Speaker 1: paid off. And now it might take three months, it

585
00:28:22,960 --> 00:28:26,600
Speaker 1: might take three years, and that's okay. And then once

586
00:28:26,640 --> 00:28:30,880
Speaker 1: you've paid off that debt, you roll over like a snowball.

587
00:28:30,920 --> 00:28:34,840
Speaker 1: You roll over those two payments to the second smallest

588
00:28:34,840 --> 00:28:37,080
Speaker 1: debt on your list. So the second smallest debt will

589
00:28:37,080 --> 00:28:39,760
Speaker 1: almost essentially get three payments in one. It's going to

590
00:28:39,840 --> 00:28:43,400
Speaker 1: get the first debt's minimum it's minimum plus that twenty

591
00:28:43,400 --> 00:28:46,479
Speaker 1: five dollars you found from your from your budget, and

592
00:28:46,560 --> 00:28:49,680
Speaker 1: so then you keep paying, paying, paying until that's paid off.

593
00:28:49,720 --> 00:28:52,520
Speaker 1: Then you roll over again. The third smallest debt gets

594
00:28:52,520 --> 00:28:55,520
Speaker 1: first debt's minimum, second debt's minimum it's minimum plus that

595
00:28:55,560 --> 00:28:57,760
Speaker 1: twenty five dollars. So the magic, the reason why they

596
00:28:57,800 --> 00:29:00,560
Speaker 1: call the snowball method is think about like the Bugs

597
00:29:00,560 --> 00:29:02,760
Speaker 1: Bunny or whatever cartoons, when the snowball would start at

598
00:29:02,800 --> 00:29:04,440
Speaker 1: the top of the hill and as it rolled it

599
00:29:04,480 --> 00:29:07,560
Speaker 1: got bigger. So as you roll down your debt hill,

600
00:29:08,280 --> 00:29:10,920
Speaker 1: you were going to be able to put bigger and

601
00:29:10,960 --> 00:29:14,680
Speaker 1: bigger amounts toward your towards your balances, because you'll be

602
00:29:14,680 --> 00:29:17,080
Speaker 1: collecting minimums along the way, like you collect snow on

603
00:29:17,120 --> 00:29:19,600
Speaker 1: the snowball. And so if you do that, that's what

604
00:29:19,640 --> 00:29:22,120
Speaker 1: I did. It took me. I had thirty five thousand

605
00:29:22,160 --> 00:29:24,960
Speaker 1: dollars in credit card debt, and when I was on unemployment,

606
00:29:25,000 --> 00:29:28,280
Speaker 1: it took me about three years to pay off that

607
00:29:28,360 --> 00:29:32,640
Speaker 1: debt slowly but surely, slowly but surely. So it is possible.

608
00:29:32,840 --> 00:29:35,400
Speaker 1: You're just gonna put You're gonna have to allocate. You

609
00:29:35,480 --> 00:29:38,160
Speaker 1: have to find something in your budget. I don't know

610
00:29:38,160 --> 00:29:42,560
Speaker 1: what kind of disability you have, but are there things

611
00:29:42,560 --> 00:29:44,920
Speaker 1: you can do? Can you do focus groups online? Can

612
00:29:44,960 --> 00:29:47,720
Speaker 1: you are? You don't because I know also with disability,

613
00:29:47,880 --> 00:29:51,000
Speaker 1: if you're collecting disability, then you're limited and like the

614
00:29:51,040 --> 00:29:52,800
Speaker 1: work that you can do, So I certainly don't want

615
00:29:52,800 --> 00:29:53,880
Speaker 1: to say.

616
00:29:54,240 --> 00:29:58,320
Speaker 2: Yeah. She doesn't specify exactly what kind of fixed income,

617
00:29:58,360 --> 00:30:00,360
Speaker 2: but she does allude to the fact that you know,

618
00:30:00,480 --> 00:30:02,440
Speaker 2: she can't work because of her health. So maybe it's

619
00:30:03,040 --> 00:30:07,160
Speaker 2: Social Security disability income of some kind because she can't work.

620
00:30:07,240 --> 00:30:10,200
Speaker 1: So maybe if you can't, like physically work, there might

621
00:30:10,200 --> 00:30:12,600
Speaker 1: be other like at home things you can do. Because

622
00:30:12,600 --> 00:30:15,719
Speaker 1: sometimes like I used to do, I don't do as

623
00:30:15,760 --> 00:30:17,480
Speaker 1: many I used to do, like focus groups and stuff,

624
00:30:17,480 --> 00:30:19,880
Speaker 1: and now more and more focus groups are digital so

625
00:30:19,960 --> 00:30:22,200
Speaker 1: to earn little a little extra money on the side,

626
00:30:22,240 --> 00:30:24,880
Speaker 1: So ask yourself, are there non physical things that you

627
00:30:24,920 --> 00:30:28,080
Speaker 1: can do to earn money while you're home? There's you know,

628
00:30:28,080 --> 00:30:31,560
Speaker 1: who is a great person to follow? Sandy Smith of

629
00:30:31,800 --> 00:30:34,040
Speaker 1: Yes I Am Cheap. I believe that's her website, Yes

630
00:30:34,080 --> 00:30:36,280
Speaker 1: I Am, or even sandysmith dot com where I am

631
00:30:36,680 --> 00:30:40,000
Speaker 1: Sandy s A n. D ysmith dot com. She actually

632
00:30:40,040 --> 00:30:42,520
Speaker 1: teaches all these different side hustles that you can do,

633
00:30:43,440 --> 00:30:46,200
Speaker 1: many of which you know don't require any physical labor.

634
00:30:46,280 --> 00:30:49,280
Speaker 1: So I would follow. I think like I said, I

635
00:30:49,320 --> 00:30:52,600
Speaker 1: think it's I Am Sandy Smith or Yes I Am Cheap,

636
00:30:52,880 --> 00:30:55,160
Speaker 1: and look for her side hustle. She has a Facebook

637
00:30:55,160 --> 00:30:58,520
Speaker 1: group that she that she teaches people how to side hustle,

638
00:30:58,560 --> 00:30:59,960
Speaker 1: and she's a great resource.

639
00:31:00,720 --> 00:31:04,440
Speaker 2: I I love the snowball method. I think that that

640
00:31:04,480 --> 00:31:07,000
Speaker 2: has been proven to work for so so so many

641
00:31:07,040 --> 00:31:10,320
Speaker 2: people and with a normal I don't know about normal question,

642
00:31:10,400 --> 00:31:13,040
Speaker 2: but without that many details what I what I hear?

643
00:31:13,080 --> 00:31:15,680
Speaker 2: You know, the crux of the issue is fixed income,

644
00:31:15,920 --> 00:31:18,880
Speaker 2: you know, depend no matter what the source is, it's

645
00:31:18,960 --> 00:31:22,560
Speaker 2: not going to change. And twenty thousand dollars of debt

646
00:31:22,680 --> 00:31:25,760
Speaker 2: sounds like a lot. And we don't know anything about

647
00:31:26,280 --> 00:31:29,560
Speaker 2: how much income you get or if you have any assets.

648
00:31:29,600 --> 00:31:32,200
Speaker 2: Already you say you don't have any property. I'm guessing

649
00:31:32,200 --> 00:31:34,720
Speaker 2: if you had me would have said something. Honestly, I'm wondering,

650
00:31:34,760 --> 00:31:38,360
Speaker 2: why not just file bankruptcy? Like twenty k in debt

651
00:31:38,560 --> 00:31:41,120
Speaker 2: with no means to pay it, in a fixed income

652
00:31:41,200 --> 00:31:44,240
Speaker 2: with no hopes of increasing like that, to me is

653
00:31:44,320 --> 00:31:46,640
Speaker 2: just what bankruptcy was made for. And I don't think

654
00:31:46,680 --> 00:31:51,320
Speaker 2: they're shame in that. And I personally, I'm like, I

655
00:31:51,320 --> 00:31:53,120
Speaker 2: think there's two ways to go about it that Well,

656
00:31:53,160 --> 00:31:55,240
Speaker 2: obviously there's two ways, either pay off the debt or

657
00:31:55,280 --> 00:31:59,000
Speaker 2: you don't. But I would say, you know, bankruptcy is

658
00:31:59,040 --> 00:32:02,600
Speaker 2: also an option, and to start that conversation, you know,

659
00:32:02,640 --> 00:32:05,520
Speaker 2: you could reach out to a credit counselor through a

660
00:32:05,560 --> 00:32:08,240
Speaker 2: nonprofit like the NFCC. We can put a link to

661
00:32:08,240 --> 00:32:10,920
Speaker 2: that in the show notes and and see you know

662
00:32:11,000 --> 00:32:14,800
Speaker 2: what that is like. But Bankruptcy is such a scary

663
00:32:14,880 --> 00:32:17,440
Speaker 2: word and there's so much I guess there's a lot

664
00:32:17,480 --> 00:32:19,760
Speaker 2: of stigma. I don't know personally, I don't have a

665
00:32:19,760 --> 00:32:21,840
Speaker 2: stigma against it. I know people very close to me

666
00:32:21,880 --> 00:32:24,760
Speaker 2: who have had to file bankruptcy and there's no shame. Uh,

667
00:32:24,920 --> 00:32:30,680
Speaker 2: it's it's it's literally just what was provided to citizens

668
00:32:30,680 --> 00:32:33,840
Speaker 2: as well as corporations when simply you do not have

669
00:32:33,880 --> 00:32:37,320
Speaker 2: the means to handle, you know, the debts that you have.

670
00:32:37,400 --> 00:32:40,760
Speaker 2: And it could be a case where maybe this debt

671
00:32:40,840 --> 00:32:44,520
Speaker 2: was a crude prior to you know, becoming disabled or

672
00:32:44,560 --> 00:32:48,080
Speaker 2: prior to you know, needing to live on a fixed income,

673
00:32:48,120 --> 00:32:50,240
Speaker 2: and in that case, it's just you know, well, well

674
00:32:50,280 --> 00:32:52,720
Speaker 2: that's that's the that's the hand that was dealt, and

675
00:32:52,760 --> 00:32:56,040
Speaker 2: now you need to take advantage of the resources to

676
00:32:56,400 --> 00:32:57,120
Speaker 2: take it out of it.

677
00:32:57,280 --> 00:32:59,840
Speaker 1: Mm hmm. Just be mindful with, you know, applying for bankruptcy,

678
00:32:59,840 --> 00:33:03,120
Speaker 1: cause sometimes they they really want you to have like

679
00:33:03,160 --> 00:33:07,280
Speaker 1: next to nothing left over. So but yeah, I think

680
00:33:07,640 --> 00:33:10,200
Speaker 1: Mandy's right that there's you have to do what's best

681
00:33:10,240 --> 00:33:12,160
Speaker 1: for you at the end of the day, and if

682
00:33:12,400 --> 00:33:14,440
Speaker 1: with if you're fixed, depending how much you might not

683
00:33:14,520 --> 00:33:17,560
Speaker 1: have any money left over, that might be your only

684
00:33:17,600 --> 00:33:18,440
Speaker 1: option right now.

685
00:33:18,640 --> 00:33:22,360
Speaker 2: Yeah, but we'll post I can post some links definitely

686
00:33:22,400 --> 00:33:24,200
Speaker 2: to the snowball, because people get that confused with the

687
00:33:24,200 --> 00:33:27,440
Speaker 2: avalanche all the time. There's all these different debt snow

688
00:33:28,160 --> 00:33:33,240
Speaker 2: escape analogies, and then some links to bankruptcy resources, and

689
00:33:33,400 --> 00:33:36,280
Speaker 2: certainly if there's you know, I don't know what where

690
00:33:36,320 --> 00:33:38,280
Speaker 2: exactly you live. You don't mention the state, but there

691
00:33:38,280 --> 00:33:41,040
Speaker 2: could be some state based resources too to help with

692
00:33:41,120 --> 00:33:43,480
Speaker 2: credit counseling, you know, to kind of get at least

693
00:33:43,640 --> 00:33:46,520
Speaker 2: conversation going about, you know, those options and weighing the

694
00:33:46,560 --> 00:33:50,360
Speaker 2: pros and cons. Well, thank you very much for your question.

695
00:33:50,400 --> 00:33:53,200
Speaker 2: What did I call her? Brandy? Brandy? Thanks for your question.

696
00:33:54,280 --> 00:33:56,720
Speaker 2: All right, let's take another one. This one, Oh yeah,

697
00:33:56,760 --> 00:33:59,080
Speaker 2: this one comes from the gram Let me get back. Okay,

698
00:33:59,440 --> 00:34:03,239
Speaker 2: let's see du Gabby, Yes, Gabby, all right, Gabby has

699
00:34:03,240 --> 00:34:05,720
Speaker 2: an interesting question. She's only twenty five years old and

700
00:34:05,760 --> 00:34:08,560
Speaker 2: she's about to graduate from grad school and has a

701
00:34:08,640 --> 00:34:13,719
Speaker 2: question about weighing different job opportunities. Okay, So Gabby says,

702
00:34:13,760 --> 00:34:16,120
Speaker 2: I'm twenty five and I'm graduating from grad school with

703
00:34:16,200 --> 00:34:20,480
Speaker 2: two master's degree. Damn girl, Criminal justice and Public Administration

704
00:34:21,040 --> 00:34:23,120
Speaker 2: I've been in the job market and I just received

705
00:34:23,120 --> 00:34:26,680
Speaker 2: an offer to work as a research and administrative associate

706
00:34:26,680 --> 00:34:30,600
Speaker 2: for a small black owned business consulting firm. It seems great,

707
00:34:31,280 --> 00:34:35,000
Speaker 2: they're offering me what I asked fifty K. But since then,

708
00:34:35,440 --> 00:34:38,080
Speaker 2: since interviewing with them, I've gotten feedback from my peers

709
00:34:38,080 --> 00:34:41,360
Speaker 2: that I may have undervalued myself. It's hard to tell

710
00:34:41,840 --> 00:34:44,799
Speaker 2: these things because I'm currently earning thirty seven K, which

711
00:34:44,800 --> 00:34:49,480
Speaker 2: feels embarrassingly low, but I've also been living that student life.

712
00:34:49,960 --> 00:34:51,800
Speaker 2: I have a week to get back to their offer.

713
00:34:52,600 --> 00:34:54,759
Speaker 2: So here's that's not the first That's just the first

714
00:34:54,800 --> 00:34:57,440
Speaker 2: part of her question. So fifty k feeling undervalue, she

715
00:34:57,480 --> 00:35:00,960
Speaker 2: has one week to do something about it. What comes next?

716
00:35:01,320 --> 00:35:03,640
Speaker 2: Like any new grad, she's not just interviewed one place,

717
00:35:03,680 --> 00:35:06,640
Speaker 2: but multiple. She says, I've also interviewed for a corporate

718
00:35:06,880 --> 00:35:09,960
Speaker 2: analyst position at my current job, and I think that

719
00:35:10,040 --> 00:35:12,279
Speaker 2: interview went very well, but it was only a couple

720
00:35:12,320 --> 00:35:15,480
Speaker 2: of days ago. I feel that the corporate position has

721
00:35:15,480 --> 00:35:18,360
Speaker 2: the potential to offer more money than my current offer,

722
00:35:18,440 --> 00:35:21,560
Speaker 2: but do I chance it and turn down the other offer.

723
00:35:22,120 --> 00:35:24,400
Speaker 2: In their interview, they said they hadn't settled on the salary,

724
00:35:24,440 --> 00:35:27,040
Speaker 2: yet as a position is brand new, there's so many

725
00:35:27,040 --> 00:35:29,920
Speaker 2: things to consider, and I'm happy to have an offer,

726
00:35:30,520 --> 00:35:34,440
Speaker 2: but I'm so stressed out. What do you suggest I.

727
00:35:34,440 --> 00:35:37,080
Speaker 1: Would be stressed out? Honestly, look, maybe I'm like looking

728
00:35:37,120 --> 00:35:38,719
Speaker 1: like girl, I'm looking at you like I don't know.

729
00:35:40,800 --> 00:35:43,040
Speaker 2: Well, I mean it's not if you think about it, like,

730
00:35:43,120 --> 00:35:45,719
Speaker 2: it's not. Yes, it's salaries. But you know, if this

731
00:35:45,840 --> 00:35:49,120
Speaker 2: were I don't know, an offer for a book deal

732
00:35:49,320 --> 00:35:55,200
Speaker 2: or a speaking engagement, you know, and you maybe had negotiated,

733
00:35:55,640 --> 00:35:58,120
Speaker 2: you know, one offer, and then another publisher or you

734
00:35:58,160 --> 00:36:00,640
Speaker 2: know event you know, came to you with second offer,

735
00:36:00,680 --> 00:36:04,560
Speaker 2: and like the second offer could be more, but you

736
00:36:04,560 --> 00:36:06,520
Speaker 2: know it's not a done deal yet, and the other

737
00:36:06,520 --> 00:36:09,239
Speaker 2: one is like ready to extend you an offer. It's

738
00:36:09,280 --> 00:36:12,640
Speaker 2: like it's almost It reminds me I briefly watched Supermarket

739
00:36:12,719 --> 00:36:16,080
Speaker 2: Sweeps and that wasn't I remember watching that as a kid,

740
00:36:16,080 --> 00:36:18,640
Speaker 2: but I guess I forgot anyway, Leslie Jones is the host,

741
00:36:18,640 --> 00:36:21,760
Speaker 2: and it's pretty hilarious, and I guess during the show,

742
00:36:22,320 --> 00:36:24,279
Speaker 2: you you have to run and find the products based

743
00:36:24,280 --> 00:36:26,719
Speaker 2: on a clue, and then at a certain point she's like,

744
00:36:26,840 --> 00:36:30,160
Speaker 2: wait a second, either you can take this twenty five

745
00:36:30,200 --> 00:36:33,239
Speaker 2: thousand dollars or you can get the next clue. And

746
00:36:33,280 --> 00:36:34,880
Speaker 2: you have to make a decision. You know, what are

747
00:36:34,880 --> 00:36:37,520
Speaker 2: you willing to risk? Are you willing to take the

748
00:36:37,560 --> 00:36:40,759
Speaker 2: safe route get the money that's certain, or are you

749
00:36:40,800 --> 00:36:44,759
Speaker 2: willing to wait and you know, see what's come down

750
00:36:44,760 --> 00:36:47,600
Speaker 2: the line, knowing that you could lose everything. And it's

751
00:36:47,640 --> 00:36:49,600
Speaker 2: just that like game show stress, you know.

752
00:36:50,320 --> 00:36:52,640
Speaker 1: What would you do? I know me, I'm like, I'm

753
00:36:52,680 --> 00:36:55,839
Speaker 1: a risk averse, but I would hope that I would

754
00:36:55,880 --> 00:36:58,840
Speaker 1: go back to the first offer because it sounds like

755
00:36:58,840 --> 00:37:01,640
Speaker 1: you seemed excited about it and just say hi, after

756
00:37:01,719 --> 00:37:04,400
Speaker 1: doing a little research. I want to push back a

757
00:37:04,440 --> 00:37:07,239
Speaker 1: little and say blah blah blah blah blah, like I

758
00:37:07,520 --> 00:37:09,160
Speaker 1: you know, I don't know what your friends or what

759
00:37:09,200 --> 00:37:11,680
Speaker 1: your research has found. Push back and say that, because

760
00:37:11,800 --> 00:37:14,560
Speaker 1: if they've made you an offer, they're interested. Here's the thing.

761
00:37:14,680 --> 00:37:17,120
Speaker 1: The worst thing they can say is, uh, this is

762
00:37:17,120 --> 00:37:20,160
Speaker 1: as much as we're able, you know. But then the

763
00:37:20,239 --> 00:37:23,080
Speaker 1: offer I'm assuming would still stand, right, Mandy, is it's

764
00:37:23,080 --> 00:37:24,960
Speaker 1: not standard. If I were to come back and ask

765
00:37:25,040 --> 00:37:27,000
Speaker 1: for more than you'd be like, well, it's off the table. Altogether.

766
00:37:27,640 --> 00:37:30,080
Speaker 2: I actually just was talking to a good friend of mine.

767
00:37:30,120 --> 00:37:33,000
Speaker 2: She was applying for a job, and she was really

768
00:37:33,000 --> 00:37:35,080
Speaker 2: really excited, and I was like, you better negotiate, and

769
00:37:35,120 --> 00:37:37,719
Speaker 2: she sent them an email asking for more and it

770
00:37:37,760 --> 00:37:39,960
Speaker 2: was like a Friday afternoon, and she sweated it the

771
00:37:39,960 --> 00:37:42,520
Speaker 2: whole weekend. She's like, I haven't heard back, and I've

772
00:37:42,560 --> 00:37:44,400
Speaker 2: been in that position so many times, and I know

773
00:37:44,440 --> 00:37:47,880
Speaker 2: exactly what's happening. It's a company, so that person who's

774
00:37:47,960 --> 00:37:50,640
Speaker 2: hiring or doing the recruiting has to ask for approval,

775
00:37:50,719 --> 00:37:53,799
Speaker 2: and it's a Friday afternoon, so they can't just you know,

776
00:37:53,880 --> 00:37:55,600
Speaker 2: get a response right away, so it's going to have

777
00:37:55,600 --> 00:37:58,120
Speaker 2: to wait till Monday. Also, they're on the West coast,

778
00:37:58,120 --> 00:38:01,120
Speaker 2: so that at a few hours, not Monday afternoon, maybe

779
00:38:01,239 --> 00:38:03,440
Speaker 2: late afternoon, you might hear back. And I think that

780
00:38:03,560 --> 00:38:06,560
Speaker 2: helped her because you have to remember, at least in

781
00:38:06,560 --> 00:38:09,320
Speaker 2: my experience, people on the other end of the negotiating table,

782
00:38:09,719 --> 00:38:12,000
Speaker 2: like they have, you know, corporate stuff to do too,

783
00:38:12,000 --> 00:38:13,640
Speaker 2: and they also have a job to do on top

784
00:38:13,719 --> 00:38:17,240
Speaker 2: of recruiting. So sometimes it's going slow, not because they're

785
00:38:17,320 --> 00:38:20,840
Speaker 2: thinking negatively about your ask, but because they just have to,

786
00:38:21,440 --> 00:38:23,920
Speaker 2: you know, dot their i's and cross their te's, and

787
00:38:24,200 --> 00:38:26,560
Speaker 2: they're not always the most transparent about that, so you're

788
00:38:26,680 --> 00:38:29,399
Speaker 2: kind of the last to know what's happening on their end.

789
00:38:29,880 --> 00:38:32,960
Speaker 2: In this case, here's what I'll say. You are like,

790
00:38:32,960 --> 00:38:35,440
Speaker 2: you're early in the job market, and I do think

791
00:38:36,040 --> 00:38:39,120
Speaker 2: that setting yourself up, you know, at the highest salary

792
00:38:39,160 --> 00:38:41,600
Speaker 2: you can get. Obviously everyone wants that, but you want

793
00:38:41,640 --> 00:38:44,160
Speaker 2: to be careful about your first job. I believe because

794
00:38:44,320 --> 00:38:46,759
Speaker 2: you know it really it can be the foundation that

795
00:38:46,840 --> 00:38:48,520
Speaker 2: kind of can give you the lift through your career.

796
00:38:48,520 --> 00:38:50,600
Speaker 2: And it can also you know, we're in we're in

797
00:38:50,800 --> 00:38:54,359
Speaker 2: troubling times right now, and if you go in at

798
00:38:54,400 --> 00:38:57,400
Speaker 2: a at a lower pay grade that you know, it

799
00:38:57,440 --> 00:39:00,360
Speaker 2: may take you a long time to get up to

800
00:39:00,400 --> 00:39:03,400
Speaker 2: where maybe your peers would have been in a better economy,

801
00:39:03,880 --> 00:39:05,799
Speaker 2: just because companies may not have the money for the

802
00:39:05,800 --> 00:39:07,800
Speaker 2: while and maybe more conservative for a while and whatnot.

803
00:39:07,920 --> 00:39:10,759
Speaker 2: So at the same time, the fact that you're interviewing me,

804
00:39:10,800 --> 00:39:13,520
Speaker 2: and if you got too interested, you know two companies

805
00:39:13,520 --> 00:39:14,920
Speaker 2: that are interested in you, including the one that you're

806
00:39:14,920 --> 00:39:20,480
Speaker 2: working for. I I say weight, which may seem like

807
00:39:20,640 --> 00:39:22,560
Speaker 2: not in line with what you guys think of me.

808
00:39:22,600 --> 00:39:26,080
Speaker 2: Being risk adverse. But I do think that the first job,

809
00:39:26,239 --> 00:39:28,440
Speaker 2: you sound excited about it, but you have to you

810
00:39:28,440 --> 00:39:29,960
Speaker 2: have to put down in paper what it is that

811
00:39:29,960 --> 00:39:32,320
Speaker 2: you're excited about. Is it the potential for a paycheck?

812
00:39:32,719 --> 00:39:35,239
Speaker 2: Is it because you feel wanted and you you know,

813
00:39:35,320 --> 00:39:38,400
Speaker 2: you feel needed. I bet if you went back to

814
00:39:38,440 --> 00:39:41,200
Speaker 2: them and let me like think about this. But I

815
00:39:41,239 --> 00:39:45,040
Speaker 2: believe in transparency. And if you tell that other job, hey,

816
00:39:45,520 --> 00:39:48,680
Speaker 2: I'm really excited to work with you, but I'm actually

817
00:39:48,719 --> 00:39:52,440
Speaker 2: in active conversations with my current employer, and here's the

818
00:39:52,480 --> 00:39:55,960
Speaker 2: reasons why. I just want to be frank with you.

819
00:39:55,960 --> 00:39:59,400
Speaker 2: You know, I I do feel and it'd be a

820
00:39:59,400 --> 00:40:01,880
Speaker 2: lot easier actually had an offer from your current employer.

821
00:40:01,960 --> 00:40:04,080
Speaker 2: So what you may want to do is just say, hey,

822
00:40:04,120 --> 00:40:06,160
Speaker 2: I know you said I have a week, but I

823
00:40:06,520 --> 00:40:09,000
Speaker 2: want to be transparent and I want to let you

824
00:40:09,080 --> 00:40:11,239
Speaker 2: know that I potentially may have an offer from my

825
00:40:11,280 --> 00:40:14,240
Speaker 2: current employer and the salary is really what my sticking

826
00:40:14,280 --> 00:40:17,239
Speaker 2: point is. And if that's the case, I mean, why

827
00:40:17,239 --> 00:40:20,040
Speaker 2: not be transparent. If they really really like you, they

828
00:40:20,120 --> 00:40:22,400
Speaker 2: might meet you at that salary. They might say okay,

829
00:40:22,440 --> 00:40:25,800
Speaker 2: we'll increase it by five K, but then they might say, Okay,

830
00:40:25,920 --> 00:40:28,080
Speaker 2: well we need to know now, like if we give

831
00:40:28,120 --> 00:40:30,799
Speaker 2: you the extra you know, five ten k whatever you're

832
00:40:30,800 --> 00:40:33,640
Speaker 2: looking for, then you know we're going to push up

833
00:40:33,680 --> 00:40:36,160
Speaker 2: the timeline and you have to take this job. That

834
00:40:36,480 --> 00:40:39,520
Speaker 2: so you have to kind of decide if they were

835
00:40:39,560 --> 00:40:41,759
Speaker 2: to meet your salary, would you then take it or

836
00:40:41,760 --> 00:40:43,960
Speaker 2: would you still want to wait? And if you're still

837
00:40:44,000 --> 00:40:45,759
Speaker 2: not in the boat where you would take it, I

838
00:40:46,360 --> 00:40:48,560
Speaker 2: feel like, are you that excited about it, you know?

839
00:40:49,280 --> 00:40:52,640
Speaker 2: Or should you wait? You certainly don't have to take

840
00:40:52,640 --> 00:40:55,040
Speaker 2: the first job offer that comes your way. And I've

841
00:40:55,080 --> 00:40:57,200
Speaker 2: been in the position where I've given someone a job

842
00:40:57,239 --> 00:41:00,279
Speaker 2: offer and they've turned me down because they were, you know,

843
00:41:00,719 --> 00:41:02,920
Speaker 2: because I was the first person they had talked to.

844
00:41:03,120 --> 00:41:06,000
Speaker 2: And I think they were smart to wait until they

845
00:41:06,000 --> 00:41:08,240
Speaker 2: found an offer that was that was right for them.

846
00:41:08,440 --> 00:41:11,240
Speaker 2: And it sounds like you're working now, so the pressure

847
00:41:11,280 --> 00:41:14,040
Speaker 2: may not be as intense for you to just find

848
00:41:14,320 --> 00:41:16,960
Speaker 2: a job, any job, the same way I had to do,

849
00:41:17,040 --> 00:41:19,480
Speaker 2: you know, when I was job hunting after being laid

850
00:41:19,480 --> 00:41:22,359
Speaker 2: off in the recession and all that. And maybe maybe

851
00:41:22,360 --> 00:41:24,680
Speaker 2: you want to take your time and even if you

852
00:41:24,760 --> 00:41:27,360
Speaker 2: tell the other job like, forget about telling them that

853
00:41:27,400 --> 00:41:29,600
Speaker 2: you're talking to your current employer. Like let's say you

854
00:41:29,680 --> 00:41:32,960
Speaker 2: just say, hey, I actually need a lot more time

855
00:41:32,960 --> 00:41:34,759
Speaker 2: to I need more time than a week to think

856
00:41:34,800 --> 00:41:38,600
Speaker 2: about this because you know, excuse me, the salary is

857
00:41:38,640 --> 00:41:41,680
Speaker 2: not what I was expecting or this. I would prefer,

858
00:41:41,880 --> 00:41:43,840
Speaker 2: you know, to have what I'm looking for is X

859
00:41:43,960 --> 00:41:46,000
Speaker 2: number and then say, you know, if you can give

860
00:41:46,000 --> 00:41:48,480
Speaker 2: me a little bit of extra time, I can really

861
00:41:48,480 --> 00:41:50,640
Speaker 2: think about my budget and what I'm going to need

862
00:41:50,680 --> 00:41:52,960
Speaker 2: and tell you and give you my answer in two

863
00:41:52,960 --> 00:41:56,120
Speaker 2: weeks or something like that, and then maybe that will

864
00:41:56,160 --> 00:41:57,799
Speaker 2: give you time to figure out what's happening with your

865
00:41:57,840 --> 00:42:02,919
Speaker 2: current job. But ultimately, when you decide, you know, if

866
00:42:02,920 --> 00:42:05,239
Speaker 2: you like them or not, you just need to or

867
00:42:05,480 --> 00:42:07,680
Speaker 2: you know whether either way you need to tell them

868
00:42:07,680 --> 00:42:11,799
Speaker 2: the truth and be ready to walk away and let

869
00:42:11,840 --> 00:42:14,520
Speaker 2: them go on and find someone else, or just tell them, hey,

870
00:42:14,800 --> 00:42:16,400
Speaker 2: I'm ready to jump, but it's the money. And if

871
00:42:16,440 --> 00:42:18,600
Speaker 2: they can't meet you, then get your answer and you know,

872
00:42:18,800 --> 00:42:21,640
Speaker 2: then walk away. It's also complicated.

873
00:42:21,680 --> 00:42:24,280
Speaker 1: I know it is, but you know what it seems

874
00:42:24,480 --> 00:42:28,480
Speaker 1: like they she was really excited about it also being

875
00:42:28,480 --> 00:42:32,480
Speaker 1: a black owned business. Yeah, yeah, yeah.

876
00:42:33,239 --> 00:42:36,160
Speaker 2: And I get that I know it's it's like and

877
00:42:36,200 --> 00:42:38,520
Speaker 2: you do have to think about it's a big corporation.

878
00:42:38,600 --> 00:42:41,760
Speaker 2: Maybe there's more money, but it's money. Everything that matters.

879
00:42:42,080 --> 00:42:45,080
Speaker 2: Money does matter. But I would say if you're looking

880
00:42:45,120 --> 00:42:47,400
Speaker 2: at like you're early in your career and you know

881
00:42:47,480 --> 00:42:49,920
Speaker 2: your career field better than I do, I don't know

882
00:42:50,000 --> 00:42:53,919
Speaker 2: exactly what feel it is you know something I don't

883
00:42:53,920 --> 00:42:58,120
Speaker 2: know criminal justice and public administration where her master's degrees.

884
00:42:58,160 --> 00:43:01,799
Speaker 2: But if you're like at a small business, you do

885
00:43:01,880 --> 00:43:04,520
Speaker 2: have a lot more opportunity to rise. You have maybe

886
00:43:04,560 --> 00:43:07,360
Speaker 2: opportunity for growth, and maybe it's an opportunity and you

887
00:43:07,360 --> 00:43:10,000
Speaker 2: should ask these questions in your interview. You know, is

888
00:43:10,080 --> 00:43:11,840
Speaker 2: there is there a career track?

889
00:43:11,920 --> 00:43:12,160
Speaker 1: Is there?

890
00:43:12,480 --> 00:43:14,480
Speaker 2: You know, what's the next step for me? How can

891
00:43:14,520 --> 00:43:16,880
Speaker 2: I how can I grow here? And maybe they're more

892
00:43:16,960 --> 00:43:19,600
Speaker 2: nimble than at the big corporation where maybe those there's

893
00:43:19,600 --> 00:43:22,120
Speaker 2: more red tape or you know it takes more time

894
00:43:22,160 --> 00:43:24,960
Speaker 2: to move up. Uh, you know, deal it out. But

895
00:43:25,040 --> 00:43:28,120
Speaker 2: there's there's pros and cons to small and large, and

896
00:43:28,160 --> 00:43:30,319
Speaker 2: I think you'll probably work for both over the course

897
00:43:30,360 --> 00:43:33,359
Speaker 2: of your career. I certainly have you work for one

898
00:43:33,440 --> 00:43:36,160
Speaker 2: you find out, Oh, I don't like small corporations for

899
00:43:36,360 --> 00:43:38,919
Speaker 2: or small businesses for this reason. Then you go look

900
00:43:38,960 --> 00:43:41,120
Speaker 2: for what you don't like or what you what you

901
00:43:41,160 --> 00:43:43,120
Speaker 2: didn't like in another company that you do like, and

902
00:43:43,800 --> 00:43:47,360
Speaker 2: you learn new things about you know, the bad sides

903
00:43:47,400 --> 00:43:49,799
Speaker 2: of working for a big corporation, and then you just

904
00:43:49,920 --> 00:43:53,839
Speaker 2: keep bouncing around until you find it's. Honestly, it's just

905
00:43:53,920 --> 00:43:56,680
Speaker 2: like dating, like except with except they pay you to

906
00:43:56,680 --> 00:43:59,480
Speaker 2: do it, which is nice.

907
00:43:59,360 --> 00:44:02,759
Speaker 1: Yeah, but no, but I mean, I remember, remember I

908
00:44:02,760 --> 00:44:05,200
Speaker 1: told you my first offer, Mandy, and I was a

909
00:44:05,400 --> 00:44:09,120
Speaker 1: teaching preschool and I remember it was in Plainfield, and

910
00:44:09,160 --> 00:44:10,400
Speaker 1: I think they offered me, I want to say, she

911
00:44:10,440 --> 00:44:13,440
Speaker 1: offered me like thirty two thousand, and she was like,

912
00:44:13,480 --> 00:44:15,680
Speaker 1: here's the chart. Here's what it shows with you know,

913
00:44:15,719 --> 00:44:18,240
Speaker 1: you have your bachelors and you have zero years of experience,

914
00:44:18,239 --> 00:44:20,239
Speaker 1: and that's thirty two thousand. That's the chart. That's what

915
00:44:20,280 --> 00:44:22,480
Speaker 1: the state says. And I was like, okay, well you know,

916
00:44:22,520 --> 00:44:24,680
Speaker 1: cause I'm twenty, I'm like, that's the chart. I make

917
00:44:24,719 --> 00:44:28,040
Speaker 1: thirty two. And then I told my dad and he

918
00:44:28,080 --> 00:44:33,000
Speaker 1: was like, well, I have like the I'm the CEO

919
00:44:33,360 --> 00:44:35,600
Speaker 1: or executive director of a nonprofit in Newark and we

920
00:44:35,640 --> 00:44:38,920
Speaker 1: have a couple of centers if you're wanting to teach preschool,

921
00:44:39,160 --> 00:44:42,520
Speaker 1: and we could pay you thirty nine. I was like, oh, well, shoot,

922
00:44:42,520 --> 00:44:43,960
Speaker 1: because it was preschool, I was going to teach in

923
00:44:43,960 --> 00:44:47,960
Speaker 1: Plainfield as well. So I went back to the Plainfield CEO,

924
00:44:48,160 --> 00:44:50,400
Speaker 1: lady of the of the of the of the school

925
00:44:50,760 --> 00:44:53,680
Speaker 1: or principal or whatever, and I was like, oh, you know, hey,

926
00:44:53,719 --> 00:44:55,120
Speaker 1: thank you so much, but I'm going to decline. And

927
00:44:55,160 --> 00:44:56,600
Speaker 1: she's like, can I ask why? I said, well, I

928
00:44:56,600 --> 00:44:59,879
Speaker 1: got to offer for thirty nine thousand to teach as well.

929
00:45:00,320 --> 00:45:03,040
Speaker 1: And she's like, oh, well, I can't give you thirty six.

930
00:45:03,920 --> 00:45:06,440
Speaker 1: I was like, wait, what you know? I was so

931
00:45:06,480 --> 00:45:08,120
Speaker 1: confused because you know, I'm twenty. I'm like, no, but

932
00:45:08,160 --> 00:45:10,960
Speaker 1: the chart, the chart said, I saw the chart. You

933
00:45:11,239 --> 00:45:13,359
Speaker 1: gave me the chart. You can't give me thirty six.

934
00:45:13,920 --> 00:45:15,360
Speaker 1: And she was like and I said that. I was like,

935
00:45:15,360 --> 00:45:18,279
Speaker 1: but I don't understand like I thought the chart. She's like, no, no, no, Well,

936
00:45:18,280 --> 00:45:19,840
Speaker 1: we have like other parts of the budget that I

937
00:45:19,840 --> 00:45:22,600
Speaker 1: can used to enhance it. And I just remember being like,

938
00:45:22,760 --> 00:45:29,240
Speaker 1: you crafty witch, But it taught me a valuable lesson

939
00:45:29,760 --> 00:45:32,840
Speaker 1: and the reason why is And so she was like, no,

940
00:45:32,920 --> 00:45:34,520
Speaker 1: I really want you to teach here. And I was

941
00:45:34,600 --> 00:45:38,360
Speaker 1: like why because I you before, like for a teacher anyway,

942
00:45:38,400 --> 00:45:40,759
Speaker 1: then I used to come to the classroom and then

943
00:45:40,800 --> 00:45:42,520
Speaker 1: they would like observe me teaching and stuff. And plus,

944
00:45:42,520 --> 00:45:44,120
Speaker 1: you know, I was young and full of energy. And

945
00:45:44,200 --> 00:45:46,840
Speaker 1: she had a son that was three, and she's like,

946
00:45:46,840 --> 00:45:49,120
Speaker 1: I really wanted him to be in your class because

947
00:45:49,280 --> 00:45:51,319
Speaker 1: I could tell you're an excellent teacher. You love it,

948
00:45:51,320 --> 00:45:53,839
Speaker 1: you love the kids, and you have great energy. And

949
00:45:53,920 --> 00:45:57,120
Speaker 1: I was like, so the chart. So what it taught

950
00:45:57,160 --> 00:46:01,120
Speaker 1: me though, was that you know, there is money oftentimes

951
00:46:01,160 --> 00:46:03,280
Speaker 1: if they want to. Now I mean as a business

952
00:46:03,320 --> 00:46:05,840
Speaker 1: owner myself, now, sometimes like that's just our budget, you know,

953
00:46:06,480 --> 00:46:11,239
Speaker 1: but their concessions are made, you know. So you know,

954
00:46:11,360 --> 00:46:13,640
Speaker 1: if you are really loving that first job, something about

955
00:46:13,640 --> 00:46:16,479
Speaker 1: it excites you ask for more because you know, maybe

956
00:46:16,520 --> 00:46:18,319
Speaker 1: they showed you the chart, but there's more money that

957
00:46:18,320 --> 00:46:20,319
Speaker 1: they can squeeze if they really they really want you.

958
00:46:20,400 --> 00:46:22,160
Speaker 1: So I just want to give you that little piece

959
00:46:22,160 --> 00:46:24,800
Speaker 1: of help because I'm not someone I'm someone who's nervous

960
00:46:24,800 --> 00:46:27,160
Speaker 1: about asking for more. But that taught me a lesson,

961
00:46:27,239 --> 00:46:29,120
Speaker 1: Like girls, sometimes I got a little pocket of money

962
00:46:29,160 --> 00:46:29,640
Speaker 1: on the other.

963
00:46:29,520 --> 00:46:33,040
Speaker 2: Side, absolutely, and I definitely think you should go back

964
00:46:33,080 --> 00:46:36,120
Speaker 2: and tell them that you, you know, have talked to

965
00:46:36,160 --> 00:46:39,400
Speaker 2: peers and you think a fairer salary whatever your benchmarking

966
00:46:39,440 --> 00:46:41,359
Speaker 2: it is. And I won't get too into it, but

967
00:46:41,400 --> 00:46:44,160
Speaker 2: I've also learned that the whole world of benchmarking salaries

968
00:46:44,160 --> 00:46:47,520
Speaker 2: and deciding what a certain position is worth versus you know,

969
00:46:47,640 --> 00:46:51,000
Speaker 2: not worth in another position, it's all so random, and

970
00:46:51,040 --> 00:46:52,719
Speaker 2: the people who do it, I'm just like, how do

971
00:46:52,800 --> 00:46:55,440
Speaker 2: you how do you figure all this out? There's no

972
00:46:55,520 --> 00:46:58,080
Speaker 2: rhyme or reason. Often the benchmark is just like, oh,

973
00:46:58,200 --> 00:47:01,000
Speaker 2: this is what most people told me make and that

974
00:47:01,239 --> 00:47:03,319
Speaker 2: is how we're going to benchmark this. And they'll move

975
00:47:03,360 --> 00:47:06,439
Speaker 2: it up and down depending. So, you know, I think

976
00:47:06,480 --> 00:47:09,960
Speaker 2: you're in a You're in a really exciting position. You

977
00:47:10,080 --> 00:47:11,840
Speaker 2: just have to weigh the pros and cons and you

978
00:47:11,920 --> 00:47:14,759
Speaker 2: sound really thoughtful. So literally write the things down. What

979
00:47:14,960 --> 00:47:18,160
Speaker 2: is good about this job? What is good about that job? Benefits?

980
00:47:18,520 --> 00:47:23,200
Speaker 2: You know, flexibility, time off, health, all those good things.

981
00:47:23,280 --> 00:47:25,359
Speaker 2: Is there a four one K match all those core

982
00:47:25,480 --> 00:47:30,240
Speaker 2: questions beyond just based compensation. Yeah, and before I before

983
00:47:30,280 --> 00:47:32,440
Speaker 2: I stop rambling, because I love talking about this stuff.

984
00:47:32,719 --> 00:47:35,440
Speaker 2: I will say, you know, to your current employer if

985
00:47:35,440 --> 00:47:37,879
Speaker 2: they really want to, I think they need to know.

986
00:47:38,160 --> 00:47:40,680
Speaker 2: I actually prefer I love to know if my I

987
00:47:40,680 --> 00:47:42,960
Speaker 2: would love to know if one of my direct reports was,

988
00:47:43,560 --> 00:47:46,040
Speaker 2: you know, thinking about another offer, because I'm going to

989
00:47:46,120 --> 00:47:49,840
Speaker 2: go immediately to HR. You know, uh, review process be

990
00:47:49,960 --> 00:47:52,040
Speaker 2: damned and promotion process be damned, and be like, yo,

991
00:47:52,239 --> 00:47:54,439
Speaker 2: they're they may be leaving, give me money to keep

992
00:47:54,480 --> 00:47:57,640
Speaker 2: them and then you know, see what happens. Then I

993
00:47:57,640 --> 00:48:00,759
Speaker 2: I you know, if you're a really employed interviewing with

994
00:48:00,760 --> 00:48:04,920
Speaker 2: your employers, say them, hey, I actually am interviewing because

995
00:48:04,960 --> 00:48:07,840
Speaker 2: you guys know I'm graduating soon and I potentially have

996
00:48:07,880 --> 00:48:10,799
Speaker 2: an offer. I'm excited about what's your timeline like? And

997
00:48:11,040 --> 00:48:14,160
Speaker 2: that is not to Tiffany's earlier point, that's not difficult.

998
00:48:14,400 --> 00:48:17,360
Speaker 2: That's not being difficult. It's not being rude, it's being honest.

999
00:48:17,719 --> 00:48:19,600
Speaker 2: And it also like you don't have time to waste.

1000
00:48:19,600 --> 00:48:22,399
Speaker 2: Neither do they. So maybe they're just like, oh, maybe

1001
00:48:22,400 --> 00:48:24,759
Speaker 2: you're off through the holiday, then we'll come back and

1002
00:48:24,800 --> 00:48:28,359
Speaker 2: we'll have time to interview Gabby for this job. But

1003
00:48:28,840 --> 00:48:30,680
Speaker 2: you don't got time. You have to tell this other

1004
00:48:30,760 --> 00:48:33,279
Speaker 2: job before the holiday. So that's just you know, being

1005
00:48:33,320 --> 00:48:35,239
Speaker 2: honest and giving them a chance to fight for you. Right.

1006
00:48:35,360 --> 00:48:40,040
Speaker 2: So I'm I like honesty, and I hate game playing,

1007
00:48:40,080 --> 00:48:42,520
Speaker 2: and I hate all that crap that goes with the

1008
00:48:42,560 --> 00:48:45,879
Speaker 2: interview process. So I say, put your best foot forward,

1009
00:48:46,000 --> 00:48:50,319
Speaker 2: be honest and open with anyone that you're should. I say,

1010
00:48:50,320 --> 00:48:53,120
Speaker 2: courting is not even a word anymore. People say courting,

1011
00:48:53,320 --> 00:48:57,440
Speaker 2: courting flirting with talking to, talking to. That's what the

1012
00:48:57,480 --> 00:48:58,160
Speaker 2: kids say today.

1013
00:48:58,520 --> 00:48:59,960
Speaker 1: Yeah, well no they don't say talking to. I think

1014
00:49:00,160 --> 00:49:02,480
Speaker 1: what did they say? It is just something else. Talking

1015
00:49:02,520 --> 00:49:04,120
Speaker 1: to is what we used to say back in my day.

1016
00:49:04,520 --> 00:49:06,680
Speaker 1: It's something else they say. But whatever, what's old is

1017
00:49:06,719 --> 00:49:11,560
Speaker 1: new whenever I saw all right, well, thank you, thank

1018
00:49:11,560 --> 00:49:14,759
Speaker 1: you Gaby for your interesting question, and thanks y'all again.

1019
00:49:14,840 --> 00:49:17,520
Speaker 1: You can hit us up on Instagram. We're at Brandomission

1020
00:49:17,560 --> 00:49:24,560
Speaker 1: podcast or email Brandimission Podcast at gmail, dot com, dot com.

1021
00:49:24,600 --> 00:49:28,279
Speaker 1: All right, you wanted to boost a break? Yes? Is

1022
00:49:28,320 --> 00:49:32,080
Speaker 1: she going boost? Is she going break? Is you going break?

1023
00:49:32,239 --> 00:49:33,640
Speaker 2: Oh? I'm gonna tell you as soon as I read

1024
00:49:33,680 --> 00:49:36,680
Speaker 2: my notes. Oh we're gonna keep going. Sorry, go ahead, no, no, no,

1025
00:49:36,560 --> 00:49:38,360
Speaker 2: that's all ry I. If you want, I can go

1026
00:49:38,640 --> 00:49:40,560
Speaker 2: fizzors no, yes, please do.

1027
00:49:41,239 --> 00:49:45,319
Speaker 1: I am going to boost I've boosted them before, but

1028
00:49:45,440 --> 00:49:47,840
Speaker 1: especially now we've had like such a crazy up and

1029
00:49:47,880 --> 00:49:50,080
Speaker 1: down years. I really want to boost my Unicorn squad

1030
00:49:50,120 --> 00:49:55,560
Speaker 1: because that is my team. It's about twenty five sixty

1031
00:49:55,560 --> 00:49:59,480
Speaker 1: seven eight of us depending, but they're amazing. Of course

1032
00:49:59,480 --> 00:50:02,640
Speaker 1: there's my business partner, Gabrill, but largely the team is

1033
00:50:02,719 --> 00:50:06,280
Speaker 1: ninety five percent women women of color, the black women,

1034
00:50:06,360 --> 00:50:08,799
Speaker 1: to be clear, not not everyone's a black woman, but most.

1035
00:50:09,320 --> 00:50:12,080
Speaker 1: And I call them unicorns because they make magic happen

1036
00:50:12,120 --> 00:50:15,920
Speaker 1: every day and so they're amazing. You know, my Unicorn squad.

1037
00:50:15,960 --> 00:50:19,000
Speaker 1: And by the time that this comes out, you will

1038
00:50:19,040 --> 00:50:23,600
Speaker 1: have already got your bonuses. Yes, girl. So here's the thing.

1039
00:50:23,920 --> 00:50:28,400
Speaker 2: This my accessor for This is the first year that

1040
00:50:29,000 --> 00:50:29,839
Speaker 2: I feel.

1041
00:50:29,640 --> 00:50:33,000
Speaker 1: So because in total, all of my companies made just

1042
00:50:33,040 --> 00:50:34,359
Speaker 1: over ten million dollars this year.

1043
00:50:35,040 --> 00:50:38,960
Speaker 2: And all of my company, she said, she doesn't include

1044
00:50:38,960 --> 00:50:40,920
Speaker 2: brand amission that go to brands store dot com and

1045
00:50:40,960 --> 00:50:41,560
Speaker 2: get your mech.

1046
00:50:42,000 --> 00:50:46,160
Speaker 1: Yes, get your brother, so we can't get these coins.

1047
00:50:46,280 --> 00:50:48,120
Speaker 1: So normally I do like we would do when I

1048
00:50:48,120 --> 00:50:50,360
Speaker 1: first first started the business, I would like actually just

1049
00:50:50,360 --> 00:50:52,200
Speaker 1: buy them presents because it was maybe like five of us,

1050
00:50:52,239 --> 00:50:54,080
Speaker 1: and I would just mail them out and then it

1051
00:50:54,080 --> 00:50:56,240
Speaker 1: would be like, okay, you know, like one hundred dollars bonus,

1052
00:50:56,280 --> 00:50:58,360
Speaker 1: and then a two hundred and two fifty, then five hundred.

1053
00:50:58,560 --> 00:51:01,480
Speaker 1: So this year we had our first like I guess,

1054
00:51:01,520 --> 00:51:03,239
Speaker 1: I don't want to call official bonus, but this is

1055
00:51:03,280 --> 00:51:04,799
Speaker 1: how we did our bonus this year, and I'm just

1056
00:51:04,800 --> 00:51:07,439
Speaker 1: so proud of it. It was we set aside five

1057
00:51:07,480 --> 00:51:10,799
Speaker 1: percent of our net income or net profit, so that

1058
00:51:10,920 --> 00:51:15,239
Speaker 1: means in total, we made, you know, ten million. And

1059
00:51:15,320 --> 00:51:17,480
Speaker 1: then let's just say, I'm pretending I'm making up numbers.

1060
00:51:17,560 --> 00:51:19,799
Speaker 1: We spent six million to make the ten million, So

1061
00:51:20,040 --> 00:51:25,759
Speaker 1: spent meaning payroll, websites, tex support, all the things that

1062
00:51:25,800 --> 00:51:28,239
Speaker 1: it costs to run a company, let's and marketing. Let's

1063
00:51:28,280 --> 00:51:30,399
Speaker 1: just pretend it was six million. So that left over

1064
00:51:30,480 --> 00:51:32,520
Speaker 1: four million. Like I said, I'm making up these numbers.

1065
00:51:32,600 --> 00:51:35,000
Speaker 1: These numbers are not correct. So what we did, we

1066
00:51:35,040 --> 00:51:37,880
Speaker 1: said five percent of that four million is what we

1067
00:51:38,000 --> 00:51:42,000
Speaker 1: call our bonus pool. And so the bonus pool now

1068
00:51:42,280 --> 00:51:47,440
Speaker 1: is everyone in the company that is a full time employee,

1069
00:51:47,440 --> 00:51:51,719
Speaker 1: part time employee, or contractor not consultant a contractor. They

1070
00:51:51,760 --> 00:51:54,919
Speaker 1: can participate in the bonus pool. And the way we

1071
00:51:55,040 --> 00:51:58,600
Speaker 1: navigated the bonus pool is whatever percentage of whatever percentage

1072
00:51:58,600 --> 00:52:01,839
Speaker 1: of your pay is come from our payroll pool, that's

1073
00:52:01,880 --> 00:52:03,840
Speaker 1: the percentage you get of the bonus pool. So let's

1074
00:52:03,840 --> 00:52:07,080
Speaker 1: just say you know, you're you know right now, you're

1075
00:52:07,080 --> 00:52:10,640
Speaker 1: getting two percent of If payroll is one hundred thousand

1076
00:52:10,680 --> 00:52:13,359
Speaker 1: dollars a year, let's just pretend and you get two

1077
00:52:13,360 --> 00:52:14,840
Speaker 1: percent of that, then you get two percent of the

1078
00:52:14,880 --> 00:52:16,880
Speaker 1: bonus pool. So that's how we kind of match this.

1079
00:52:16,920 --> 00:52:20,120
Speaker 2: That's a lot. But I know for people they're like, yes, money.

1080
00:52:20,080 --> 00:52:23,640
Speaker 1: Yes, right then, So that because I want I wanted

1081
00:52:23,960 --> 00:52:28,480
Speaker 1: math because to me, transparency and business, especially internally is critical.

1082
00:52:28,600 --> 00:52:31,719
Speaker 1: So I really wanted math that people can math themselves like, oh,

1083
00:52:31,760 --> 00:52:34,040
Speaker 1: because we show them the company made this amount great,

1084
00:52:34,920 --> 00:52:37,640
Speaker 1: then we spent this amount, great, this is what's left over. Great.

1085
00:52:37,800 --> 00:52:40,560
Speaker 1: Multiply this time is five percent awesome, here's the bonus pool.

1086
00:52:40,640 --> 00:52:43,480
Speaker 1: Then we tell you your percentage of our current payroll

1087
00:52:43,560 --> 00:52:46,960
Speaker 1: is two percent, So multiply the bonus pool times two percent.

1088
00:52:47,040 --> 00:52:52,520
Speaker 1: That's your piece. And so today we are we're well.

1089
00:52:52,560 --> 00:52:54,080
Speaker 1: By the time you guys hear they'll have already gotten

1090
00:52:54,080 --> 00:52:56,480
Speaker 1: their bonuses they land tomorrow on Tuesday, and this comes

1091
00:52:56,480 --> 00:52:58,880
Speaker 1: out Wednesday. But I'm excited because some people are getting

1092
00:52:58,880 --> 00:53:04,040
Speaker 1: five figure bonuses, man, Like, it's amazing. It just doing

1093
00:53:04,080 --> 00:53:07,759
Speaker 1: it this way ensures that we are able to give

1094
00:53:07,840 --> 00:53:11,400
Speaker 1: bonuses that are healthy but maintain the health of the

1095
00:53:11,400 --> 00:53:15,960
Speaker 1: company because we're giving money from from the excess, you know,

1096
00:53:16,080 --> 00:53:18,080
Speaker 1: So it's not like like, you know, so if we

1097
00:53:18,200 --> 00:53:21,120
Speaker 1: only made one hundred thousand, even though we technically made

1098
00:53:21,160 --> 00:53:23,920
Speaker 1: a million, they would only get bonuses as a percentage

1099
00:53:23,960 --> 00:53:26,400
Speaker 1: of that hundred thousand. And so this this method of

1100
00:53:26,440 --> 00:53:28,560
Speaker 1: doing it, like I said, for people to get you know,

1101
00:53:29,080 --> 00:53:32,760
Speaker 1: like like really healthy five figure bone. No one's bonuses

1102
00:53:32,800 --> 00:53:35,560
Speaker 1: under four figures. It just feels really good. I mean

1103
00:53:35,600 --> 00:53:38,440
Speaker 1: some people's bonuses is three times what their monthly pay is.

1104
00:53:38,840 --> 00:53:40,520
Speaker 1: So it just feels really good to give like a

1105
00:53:40,680 --> 00:53:44,640
Speaker 1: really like solid bonus. We've been able to like maintain

1106
00:53:44,640 --> 00:53:47,239
Speaker 1: our staff the whole year. We haven't had to let

1107
00:53:47,280 --> 00:53:49,440
Speaker 1: anybody go as far as because of financial Some people

1108
00:53:49,640 --> 00:53:51,360
Speaker 1: might maybe we let go be just because you know,

1109
00:53:51,440 --> 00:53:53,759
Speaker 1: the project was done or whatever, but we haven't had

1110
00:53:53,800 --> 00:53:56,680
Speaker 1: to let anyone go. We've given raises to everyone this year,

1111
00:53:57,440 --> 00:54:00,439
Speaker 1: and to be able to give like a really great bone.

1112
00:54:00,120 --> 00:54:03,360
Speaker 1: This is because the team deserves. They work so hard,

1113
00:54:03,719 --> 00:54:05,759
Speaker 1: they put so much effort. I wish you guys could

1114
00:54:05,800 --> 00:54:08,440
Speaker 1: see how much they care about the women y'all that

1115
00:54:08,520 --> 00:54:11,640
Speaker 1: we serve, how much time they put in, how much

1116
00:54:11,640 --> 00:54:13,480
Speaker 1: work they put it. I mean, they're relentless. I have

1117
00:54:13,520 --> 00:54:16,080
Speaker 1: to tell them to take breaks. We're actually I'm considering

1118
00:54:16,120 --> 00:54:20,120
Speaker 1: implementing a forced vacation to say, like, you know, you

1119
00:54:20,160 --> 00:54:22,239
Speaker 1: get up to whatever number of weeks, but you must

1120
00:54:22,320 --> 00:54:24,880
Speaker 1: take at least five days a year or whatever, because

1121
00:54:25,120 --> 00:54:26,840
Speaker 1: they work so hard on your behalf. And I just

1122
00:54:26,840 --> 00:54:29,680
Speaker 1: wanted to, like, you know, do something I always tell them,

1123
00:54:29,719 --> 00:54:32,719
Speaker 1: but I wanted to also show them tangibly, like, hey,

1124
00:54:33,480 --> 00:54:35,440
Speaker 1: here's what it looks like this year. I've just grown

1125
00:54:35,480 --> 00:54:38,680
Speaker 1: so much as a CEO of like structuring the business.

1126
00:54:39,640 --> 00:54:42,880
Speaker 1: We're just more of a business now, you know, not

1127
00:54:42,920 --> 00:54:45,000
Speaker 1: that we weren't before, but it's different when you reach

1128
00:54:45,000 --> 00:54:47,520
Speaker 1: a certain level, Like we were a little lax in

1129
00:54:47,560 --> 00:54:49,919
Speaker 1: some places as far as like the financials, like uh, wait,

1130
00:54:50,040 --> 00:54:51,840
Speaker 1: we need to have a budget for the year. Wait,

1131
00:54:51,880 --> 00:54:54,880
Speaker 1: we need to so creating all of these things. And

1132
00:54:55,440 --> 00:54:58,239
Speaker 1: so I'm excited because now we know, every April we'll

1133
00:54:58,280 --> 00:55:01,600
Speaker 1: do raises based upon you know performance, and then every

1134
00:55:02,480 --> 00:55:05,839
Speaker 1: December we do bonuses based upon the company's performance. So

1135
00:55:05,960 --> 00:55:09,239
Speaker 1: I love that the bonuses, that what you make is

1136
00:55:10,040 --> 00:55:13,359
Speaker 1: based upon what we do collectively, but also what you

1137
00:55:13,400 --> 00:55:16,400
Speaker 1: do individually. To me, that's really important that you're honored

1138
00:55:16,400 --> 00:55:18,480
Speaker 1: as an individual, but then you're also honored for what

1139
00:55:18,520 --> 00:55:20,719
Speaker 1: you bring to the table collectively. So I just want

1140
00:55:20,719 --> 00:55:22,200
Speaker 1: to shop to you know, cornch squad. By now, your

1141
00:55:22,200 --> 00:55:24,440
Speaker 1: money should have hit hit. I hope you're as excited

1142
00:55:24,480 --> 00:55:26,640
Speaker 1: as I am. I can't wait to our team meeting tonight.

1143
00:55:26,680 --> 00:55:29,319
Speaker 1: We're just having a quick our last meeting of the

1144
00:55:29,400 --> 00:55:32,320
Speaker 1: year and it's just a highlight meeting. I want everyone

1145
00:55:32,320 --> 00:55:33,879
Speaker 1: to just say one of the highlights for the year,

1146
00:55:33,920 --> 00:55:37,560
Speaker 1: and then we end with sharing everybody. Well, obviously your

1147
00:55:37,560 --> 00:55:40,040
Speaker 1: bonus is private. We're gonna be slacking everybody individually. There

1148
00:55:40,200 --> 00:55:42,800
Speaker 1: their bonuses. So I can't wait.

1149
00:55:43,719 --> 00:55:47,279
Speaker 2: Oh, it's exciting. I can't well, I can't wait, but

1150
00:55:47,280 --> 00:55:49,080
Speaker 2: I can't wait for them because I know that's exciting

1151
00:55:49,440 --> 00:55:52,520
Speaker 2: and really quickly I will share my bron Wait what

1152
00:55:52,640 --> 00:55:54,719
Speaker 2: is it my notes? We're my notes? Oh boost, So

1153
00:55:54,920 --> 00:55:57,440
Speaker 2: for last minute shoppers like myself. I don't know. My

1154
00:55:57,480 --> 00:56:01,480
Speaker 2: analysis paralysis also applied to Christmas present this year, and

1155
00:56:01,840 --> 00:56:03,799
Speaker 2: something like a lightning bulb went off, and I'm like,

1156
00:56:04,040 --> 00:56:07,880
Speaker 2: small businesses they need our support. So and also because

1157
00:56:08,400 --> 00:56:10,719
Speaker 2: none of my family is here, none of my you know,

1158
00:56:10,840 --> 00:56:13,759
Speaker 2: blood family. That sounds terrible. My my husband's family is

1159
00:56:13,800 --> 00:56:16,280
Speaker 2: my family. Blah blah blah. They don't listen anyway, It's fine.

1160
00:56:16,840 --> 00:56:19,600
Speaker 2: My family in different states is like and shipping is

1161
00:56:19,600 --> 00:56:22,920
Speaker 2: so slow, like there, you know, people are sending packages

1162
00:56:23,000 --> 00:56:25,160
Speaker 2: now that may not even get there till after Christmas.

1163
00:56:25,200 --> 00:56:28,439
Speaker 2: So what I decided to do is I'm digging through

1164
00:56:28,440 --> 00:56:30,560
Speaker 2: my memory and my texts and all kinds of like

1165
00:56:30,680 --> 00:56:32,680
Speaker 2: email and stuff to figure out where these people, like,

1166
00:56:32,680 --> 00:56:36,440
Speaker 2: where my relatives have loved shopping or eating or whatever.

1167
00:56:36,480 --> 00:56:38,160
Speaker 2: And then I'm just getting gift cards. And then I'm

1168
00:56:38,200 --> 00:56:41,839
Speaker 2: thinking two birds, one stone. So Christmas gift idea if

1169
00:56:41,840 --> 00:56:44,080
Speaker 2: you want to support local businesses who need your help

1170
00:56:44,160 --> 00:56:46,800
Speaker 2: more than ever given today's times and the fact that

1171
00:56:46,840 --> 00:56:49,920
Speaker 2: places are shutting down again, and you want to, you know,

1172
00:56:50,000 --> 00:56:52,600
Speaker 2: get some stuff off your Christmas list and be thoughtful

1173
00:56:52,640 --> 00:56:55,200
Speaker 2: and get all those you know, boxes ticked. Support your

1174
00:56:55,239 --> 00:56:58,839
Speaker 2: local business so like restaurants. I'm even trying to get

1175
00:56:58,920 --> 00:57:01,279
Speaker 2: husband to like find a lot local hardware store because

1176
00:57:01,280 --> 00:57:04,680
Speaker 2: he's determined to get my little brother a drill for Christmas.

1177
00:57:04,719 --> 00:57:07,320
Speaker 2: For some reason, he thinks my brother is a drill.

1178
00:57:07,960 --> 00:57:10,440
Speaker 2: But I'm like, is there like a I don't know,

1179
00:57:10,800 --> 00:57:14,759
Speaker 2: just a small hardware store of Atlanta anyway. Yeah, So

1180
00:57:14,920 --> 00:57:17,480
Speaker 2: shut out to small businesses and try to lift them up,

1181
00:57:18,000 --> 00:57:20,240
Speaker 2: you know however you can this holiday season.

1182
00:57:22,240 --> 00:57:23,840
Speaker 1: I love that because you're right. I think that's a

1183
00:57:23,880 --> 00:57:25,920
Speaker 1: great idea. I did do a lot of my shopping

1184
00:57:26,000 --> 00:57:28,920
Speaker 1: via small businesses because you know, you're right. It's just

1185
00:57:29,880 --> 00:57:31,520
Speaker 1: it just and I you know, and maybe what we

1186
00:57:31,560 --> 00:57:33,320
Speaker 1: can do because I know we could. You know, sometimes

1187
00:57:33,360 --> 00:57:36,520
Speaker 1: I shout out, like my favorite Instagram accounts that we're following,

1188
00:57:36,560 --> 00:57:38,680
Speaker 1: but it might be nice that when we come across

1189
00:57:38,720 --> 00:57:42,439
Speaker 1: things to shout out, like a small business that we

1190
00:57:42,600 --> 00:57:46,680
Speaker 1: that we really like. You know, Yeah, I'll give you one.

1191
00:57:46,760 --> 00:57:51,560
Speaker 1: So my skin has been on fleaky fleek. And one

1192
00:57:51,600 --> 00:57:54,560
Speaker 1: of the reasons why is this company called the butter

1193
00:57:54,640 --> 00:57:59,720
Speaker 1: Bar Skin Skincare. Honestly, their stuff is amazing because I

1194
00:57:59,800 --> 00:58:01,880
Speaker 1: have I don't know, I guess we all have combo

1195
00:58:01,920 --> 00:58:04,080
Speaker 1: skin or whatever. But I was like, just like with age,

1196
00:58:04,120 --> 00:58:06,400
Speaker 1: I just I don't know my skin what used to

1197
00:58:06,400 --> 00:58:08,720
Speaker 1: work for wasn't working. But I have found because I

1198
00:58:08,720 --> 00:58:11,200
Speaker 1: have very sensitive skin, I break out very easily. But

1199
00:58:11,720 --> 00:58:14,600
Speaker 1: all this stuff is supernatural. It does take some weeks

1200
00:58:14,640 --> 00:58:16,919
Speaker 1: to get because they literally make it. When it gets there,

1201
00:58:17,120 --> 00:58:19,040
Speaker 1: I put it in the refrigerator because it's all natural.

1202
00:58:19,600 --> 00:58:21,760
Speaker 1: It's a little pricey. I'm not gonna lie, but it's

1203
00:58:21,840 --> 00:58:25,960
Speaker 1: a sister owned and operated operation. They're out of Atlanta, Georgia.

1204
00:58:26,040 --> 00:58:28,640
Speaker 1: But their stuff is amazing, amazing, amazing, and I saw

1205
00:58:28,640 --> 00:58:34,520
Speaker 1: a difference instantly. So the butter the butter whatever. What

1206
00:58:34,600 --> 00:58:37,920
Speaker 1: did I say, butter bar, Yes, the butter Bar skin care,

1207
00:58:37,920 --> 00:58:40,560
Speaker 1: and I believe that they're the butter bar on ig.

1208
00:58:40,840 --> 00:58:43,840
Speaker 1: But they have so many discounts and like right now

1209
00:58:43,960 --> 00:58:47,080
Speaker 1: they have forty percent off with closed out VIP using

1210
00:58:47,080 --> 00:58:48,840
Speaker 1: that code or whatever. They're not I'm not they don't

1211
00:58:48,880 --> 00:58:50,800
Speaker 1: give me no money. I'm just sharing because I love

1212
00:58:50,840 --> 00:58:54,400
Speaker 1: to see a black business that is doing good work

1213
00:58:54,480 --> 00:58:57,840
Speaker 1: and and their you know, their product is amazing. So

1214
00:58:57,920 --> 00:59:01,680
Speaker 1: that is my little shout out for for small business,

1215
00:59:01,680 --> 00:59:03,480
Speaker 1: black small business, black brown small business.

1216
00:59:04,000 --> 00:59:08,280
Speaker 2: I love it all right. Well, the gift card that

1217
00:59:08,320 --> 00:59:09,960
Speaker 2: I got, well, I won't say he doesn't listen to

1218
00:59:10,040 --> 00:59:13,080
Speaker 2: the show, but whatever. My favorite small business in Queens

1219
00:59:13,080 --> 00:59:15,080
Speaker 2: that I used to shop at all the times called Lockwood,

1220
00:59:15,200 --> 00:59:17,520
Speaker 2: and they have different locations around New York now around

1221
00:59:17,520 --> 00:59:20,400
Speaker 2: the boroughs, so and they ship I actually got those

1222
00:59:20,440 --> 00:59:23,120
Speaker 2: funny what are they called the candles that you have

1223
00:59:23,240 --> 00:59:25,160
Speaker 2: like around the house, but they have like a little

1224
00:59:25,400 --> 00:59:28,840
Speaker 2: icons on them, you know, like Kendrick Lamar candle and

1225
00:59:28,880 --> 00:59:31,720
Speaker 2: a JK Rowling candle and an AOC candle what are

1226
00:59:31,720 --> 00:59:33,560
Speaker 2: they called? Anyway, I got my brother a couple of

1227
00:59:33,560 --> 00:59:35,920
Speaker 2: those from Lockwood. But it's a cute kind of little

1228
00:59:36,400 --> 00:59:38,880
Speaker 2: It's gifts that are nice and good quality, but that

1229
00:59:39,000 --> 00:59:41,600
Speaker 2: no one would probably buy for themselves. So I would

1230
00:59:41,680 --> 00:59:43,840
Speaker 2: check out Lockwood if you want to support a local

1231
00:59:43,880 --> 00:59:46,200
Speaker 2: business in Queens, my old home away from home.

1232
00:59:46,680 --> 00:59:47,480
Speaker 1: Oh, I love it.

1233
00:59:47,880 --> 00:59:50,040
Speaker 2: Yeah, And I guess we haven't even talked about when

1234
00:59:50,040 --> 00:59:51,720
Speaker 2: our last show of twenty twenty is going to be,

1235
00:59:51,720 --> 00:59:52,720
Speaker 2: but I guess next week.

1236
00:59:53,680 --> 00:59:55,240
Speaker 1: Yeah, yes, I.

1237
00:59:55,200 --> 00:59:57,440
Speaker 2: Guess you want to do it?

1238
00:59:58,000 --> 01:00:01,920
Speaker 1: You the boss, the boss for sure. I just love

1239
01:00:02,000 --> 01:00:04,959
Speaker 1: this show and I just love that I always forget because,

1240
01:00:04,960 --> 01:00:07,560
Speaker 1: like I said, it took me a while to remember, like, wait,

1241
01:00:07,680 --> 01:00:10,320
Speaker 1: I'm not just talking to Mandy because you guys will

1242
01:00:10,320 --> 01:00:12,720
Speaker 1: come up to me and be like, ooh, congratulations on something.

1243
01:00:12,760 --> 01:00:15,760
Speaker 1: I'm like, I don't tell you there. Oh shit, it's

1244
01:00:15,760 --> 01:00:17,880
Speaker 1: not just me and Mantra. And I love when I

1245
01:00:17,960 --> 01:00:23,200
Speaker 1: see people like call you manjoin the comments, like I'm like, oh, well,

1246
01:00:23,240 --> 01:00:23,640
Speaker 1: I think.

1247
01:00:23,480 --> 01:00:25,240
Speaker 2: People are gonna come up to you wearing a mask

1248
01:00:25,280 --> 01:00:27,440
Speaker 2: and a unicorn horn that they just pop on their

1249
01:00:27,440 --> 01:00:29,840
Speaker 2: head and be like, excuse me, Yeah, it's me from

1250
01:00:29,880 --> 01:00:30,600
Speaker 2: the zoom call.

1251
01:00:30,640 --> 01:00:31,360
Speaker 1: I didn't get im.

1252
01:00:31,360 --> 01:00:33,240
Speaker 2: I didn't get my slack message.

1253
01:00:33,880 --> 01:00:35,880
Speaker 1: Yeah, that would be HILARI. Yeah, don't do that.

1254
01:00:36,000 --> 01:00:38,640
Speaker 2: Okay, so no, but take.

1255
01:00:38,520 --> 01:00:39,200
Speaker 1: That out of my cart.

1256
01:00:39,200 --> 01:00:40,600
Speaker 2: Then all right, that's fine.

1257
01:00:40,960 --> 01:00:43,640
Speaker 1: But yeah, how I mancha? Well, I bid you at

1258
01:00:43,760 --> 01:00:46,480
Speaker 1: Zoo at zoong.

1259
01:00:45,560 --> 01:00:48,640
Speaker 2: And you one more show of twenty twenty and then

1260
01:00:48,680 --> 01:00:51,560
Speaker 2: let's put this year in the in the past where

1261
01:00:51,680 --> 01:00:55,280
Speaker 2: she belongs. All right, take care, have a good all

1262
01:00:55,320 --> 01:00:58,840
Speaker 2: teams meeting, all right, thank you after seven pm, God

1263
01:00:58,880 --> 01:00:59,280
Speaker 2: bless you

1264
01:01:01,600 --> 01:01:01,640
Speaker 1: To