WEBVTT - Ep 247 - How Can I Pay Off Debt on a Fixed Income?

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<v Speaker 1>Ho Mary, Brown Ambition Christmas or whatever you celebrate, But

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<v Speaker 2>Brownambissionstore dot com. Y'all, happy happy holidays.

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<v Speaker 1>Hey, Hey, Hey we're back. We're black, We're brown, he manage.

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<v Speaker 2>Hey. Happy brand Ambition Wednesday to you and yours you

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<v Speaker 2>as well.

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<v Speaker 1>I don't know. I feel extra chipper today.

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<v Speaker 2>Oh please pass. The world needs that chipper energy, you know.

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<v Speaker 1>I think it's more exhaustion because I feel like you

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<v Speaker 1>know how you feel Loopy're like you know what? It's manic,

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<v Speaker 1>That's what it is.

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<v Speaker 2>I mean, well, honestly, it's better that than the opposite.

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<v Speaker 2>I felt like I had the toxic energy you know

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<v Speaker 2>when you're just like a negative thought spiral and everything

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<v Speaker 2>is like you mad at everything. I even went and

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<v Speaker 2>deleted some things that posted on Instagram because I'm like,

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<v Speaker 2>nobody needs your anger and your sarcasm right now. Like

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<v Speaker 2>I did not like who I was last week, and

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<v Speaker 2>it was all down to lack of sleep.

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<v Speaker 1>Oh. I remember, like in back on Facebook, like I

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<v Speaker 1>guess I must have been posted like sad, like this

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<v Speaker 1>is like when Facebook. When I first got on Facebook

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<v Speaker 1>and I think I had broken up with my boyfriend

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<v Speaker 1>at time, and like one of my friends hit me.

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<v Speaker 1>I was like, so, someone, because according to your Facebook post,

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<v Speaker 1>because it was like they're all cryptic, like love is

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<v Speaker 1>a fleeting butterfly.

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<v Speaker 2>Man, I don't don't do that was like peak two

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<v Speaker 2>thousand and like eight when people used to post on

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<v Speaker 2>Facebook if you know me, you know what I mean.

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<v Speaker 1>I'm like, oh gosh, so yeah, so.

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<v Speaker 2>Oh goodness, Well I'm glad that you are. You know, well,

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<v Speaker 2>I'm I'm glad. I don't know. I don't know how to.

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<v Speaker 1>Ye honestly, I feel good. It's just that, you know,

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<v Speaker 1>I feel it's like a super busy day.

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<v Speaker 2>But you must be good busy.

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<v Speaker 1>Have you been on the club of the house listen.

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<v Speaker 2>I felt really cool for all of forty five minutes

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<v Speaker 2>after you gave me my secret invitation to the clubhouse app.

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<v Speaker 2>Because as soon as like, I don't know, it's like

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<v Speaker 2>the next day, or maybe it's just because you know,

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<v Speaker 2>once someone tells you that something, you know you'd see

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<v Speaker 2>a pattern in the universe, like, oh, yeah, I see

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<v Speaker 2>that pattern everywhere, but now it's like clubhouse everywhere. But yeah,

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<v Speaker 2>I've clubhouse is like this, what kind of app would

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<v Speaker 2>we call it? It's it's a thought a listener leadership app.

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<v Speaker 2>You listen to people having conversations about yeah, about adding anything. Honestly,

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<v Speaker 2>I would say, here, it's an audio app, I guess.

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<v Speaker 1>So think about like if you were doing a Facebook

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<v Speaker 1>live but there's no visual but sometimes you can talk

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<v Speaker 1>by yourself and people will listen, or you can like

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<v Speaker 1>bring your friends on literally the stage and like talk

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<v Speaker 1>and I go. Like the first couple of times I

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<v Speaker 1>went on, I hated it. I'm like, this is stupid,

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<v Speaker 1>until I actually went into a room that was a

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<v Speaker 1>good room and I was like, oh, like last night,

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<v Speaker 1>I was in a room listening and they were talking

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<v Speaker 1>about like Facebook ads and how to maximize them, and

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<v Speaker 1>it was like some really great people and there was

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<v Speaker 1>like even some Facebook people from Facebook in it, and

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<v Speaker 1>I'm like, oh, this is really this is really helpful.

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<v Speaker 1>So but I would say, I venture to say a

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<v Speaker 1>good eighty percent of the time if I go take

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<v Speaker 1>a peek, I'm like no, no, no, no, trash track stretch,

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<v Speaker 1>like I'll just like you can go, and I guess

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<v Speaker 1>it's called the hallway as soon as you log in

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<v Speaker 1>and you see all the conversations happening, and I'm like nope, nope, nope.

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<v Speaker 1>But then they're twenty percent of the time where I'm like, oh,

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<v Speaker 1>the title is interesting and usually something about business, and

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<v Speaker 1>I'll poke my head in and sometimes I get some

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<v Speaker 1>really great so I'll do work as I listen and

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<v Speaker 1>I'm like, oh, that's really great, fee but I didn't

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<v Speaker 1>know that, or like, for example, there'll be tools, like

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<v Speaker 1>it was one really great conversation about business and marketing

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<v Speaker 1>and they were sharing all of the tools they use,

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<v Speaker 1>like oh, I use instead of link and Bio for Instagram,

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<v Speaker 1>I use whatever you know, Beacon, dot ao or I

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<v Speaker 1>use this instead of infusion soft. So yeah, yeah, it

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<v Speaker 1>can be.

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<v Speaker 2>There's it seems like there's something for everybody. It feels

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<v Speaker 2>like when I when I went on there, and you know,

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<v Speaker 2>it pulls up your contacts, you can follow people and whatnot,

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<v Speaker 2>and it was like everybody black. It was everybody black,

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<v Speaker 2>and my poss felt like it was on Clubhouse but

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<v Speaker 2>the icon. I was looking at the icon for the

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<v Speaker 2>app and it's like a white lady and I'm like,

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<v Speaker 2>what are they trying to retract or what are they

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<v Speaker 2>staying here? But then it's true black guy, So I

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<v Speaker 2>guess they just like switch out there.

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<v Speaker 1>Yes, let me tell you about So when Clubhouse first started,

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<v Speaker 1>it was filled with like all these white guys, you know,

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<v Speaker 1>like all the investors in Silicon Valley. And then you know,

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<v Speaker 1>we are us as in Brown Ambition us, we are

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<v Speaker 1>the kings and queens of social So as they started

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<v Speaker 1>to open up to like entertainment, so there were some

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<v Speaker 1>people that were just hand invited, like hey you, hey you,

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<v Speaker 1>hey you, hey you, and then the black people took

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<v Speaker 1>over because I was asking, I said, I asked a

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<v Speaker 1>friend of mine who was like one of the early

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<v Speaker 1>adopters or whatever. I said, like, am I just seeing

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<v Speaker 1>rooms with black people because I'm black? Is it just

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<v Speaker 1>showing me? You know how like Instagram's like are you black?

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<v Speaker 1>You want to see this? He was like, no, that

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<v Speaker 1>the white people have disappeared?

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<v Speaker 2>Is it like the Tommy Hill figure of apps? Like

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<v Speaker 2>Tommy Hill figure in nineteen ninety four?

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<v Speaker 1>So one said that clubhouse is the pole of apps?

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<v Speaker 2>Wait has that happened until to them or to Loop? Whatever?

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<v Speaker 1>Yes, poor to Loom someone said, to Loom got to

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<v Speaker 1>be tired because everyone is my friend love you said that.

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<v Speaker 1>She was like, girl to Loom is tired. I wish

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<v Speaker 1>you to leave that girl alone. So so yeah, So

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<v Speaker 1>because I was wondering and I was like, oh, maybe

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<v Speaker 1>they just show me, He's like, no, we have totally

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<v Speaker 1>taken over that app. And like all of the early

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<v Speaker 1>adopters and you know, Silicon Valley guys like you'll you'll

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<v Speaker 1>see every once in a while because it does kind

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<v Speaker 1>of you you see the rooms based upon like you know,

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<v Speaker 1>kind of who you follow, but then you can explore

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<v Speaker 1>other rooms. The app is like it feels like eighty

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<v Speaker 1>percent blackly black black black.

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<v Speaker 2>So there's that house you're welcome. But yeah, I I

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<v Speaker 2>also but to answer your question, no, I haven't had

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<v Speaker 2>I haven't been able to spend much time on it.

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<v Speaker 1>But I've been poking.

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<v Speaker 2>I'm gonna lurk. I'm a lurker, Okay. I didn't even

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<v Speaker 2>start tiktoking till like way after people my age like

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<v Speaker 2>made jokes about how they're too old too, you know,

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<v Speaker 2>learn the choreography and then learned it like I was

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<v Speaker 2>maybe October. I sort of tiktoking, and then I stopped

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<v Speaker 2>promptly about a month after I started, but never.

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<v Speaker 1>To get into TikTok. What's that I never got into TikTok.

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<v Speaker 2>There are a lot of personal finance TikTokers, and I

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<v Speaker 2>need to It's really funny, really, And I not only that,

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<v Speaker 2>but I like, I've found out more about my vagina

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<v Speaker 2>from some doctor's TikTok than I've ever learned from like

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<v Speaker 2>going really yeah, it was like a quick sixty second

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<v Speaker 2>TikTok on like the health of your vagina, and I

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<v Speaker 2>was like, oh wow, oh oh okay, So shout out

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<v Speaker 2>to uh the professionals trying to reach the youths and

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<v Speaker 2>random older millennials out there, But uh, what else is

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<v Speaker 2>so the news today which I don't even know, I

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<v Speaker 2>sort of had seen on CNN on the background, but

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<v Speaker 2>I guess we have to congratulate Joe Biden for being

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<v Speaker 2>president again for like.

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<v Speaker 1>The hunger time. So did oh did they all get

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<v Speaker 1>all his electors called the electorates, they were all whatever.

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<v Speaker 2>Put in Well he got well over two seventy like

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<v Speaker 2>they called California before I came down here to record,

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<v Speaker 2>and I'm like, Okay, congrats is really overcheck because it is, And.

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<v Speaker 1>It's not because I don't the elector don't they have

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<v Speaker 1>to like go.

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<v Speaker 2>To like have to go to Congress or something like.

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<v Speaker 1>That, and then the vice president has to like even

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<v Speaker 1>if the good thing is because if you guys are

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<v Speaker 1>not following following my fave Neil katal on Instagram. He

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<v Speaker 1>really every day he breaks down all that's happening as

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<v Speaker 1>far as the election is concerned. But he's a a

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<v Speaker 1>what do they call them? Uh A what is that?

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<v Speaker 1>The highest court in the land court attorney, like super

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<v Speaker 1>smart but also really funny and a little snarky, which

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<v Speaker 1>I love. But he really breaks it down. So I'm like, oh,

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<v Speaker 1>that's what's going on. So not only will he tell

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<v Speaker 1>you like what happened today legally as far as like

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<v Speaker 1>what's happening with the election, he will also kind of

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<v Speaker 1>like give you like a heads up of what to

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<v Speaker 1>think about and look for moving forward. And so I

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<v Speaker 1>did hear him say that last night. I was watching

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<v Speaker 1>him last night, him saying like, Okay, today it was

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<v Speaker 1>kind of like the day. And then they have to

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<v Speaker 1>bring it to I think, like you said, I guess

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<v Speaker 1>they got to bring to Congo. But even if the

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<v Speaker 1>vice president refuses to acknowledge Joe Biden A's vice president,

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<v Speaker 1>that's a new formality. It's not necessary for it's not

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<v Speaker 1>it's not a necessary component for it to for it

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<v Speaker 1>to be legally binding. So I was like, Okay, good,

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<v Speaker 1>good to know.

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<v Speaker 2>Yeah, well, I mean I'm good to know. There's just

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<v Speaker 2>all these opportunities. I guess on the flip side, I wouldn't.

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<v Speaker 2>I would be a little annoyed if I to find

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<v Speaker 2>it would be too easy to become president. I mean,

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<v Speaker 2>we have all these little stop gap measures, but I

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<v Speaker 2>mean when the Supreme Court says, listen, Texas, get out

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<v Speaker 2>of our faces with this bogus lawsuit, and like most

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<v Speaker 2>of them did so it's it's over. Oh Rio learned

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<v Speaker 2>a new trick, though this is also a news update.

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<v Speaker 2>He knows how to open the basement door, so all

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<v Speaker 2>bets are off. There is no lock on this door,

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<v Speaker 2>so he is now the Superman of our podcast, except

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<v Speaker 2>he screams when he enters. Oh goodness, did you see

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<v Speaker 2>the controversy over Cardi b now her tweet? She apparently

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<v Speaker 2>tweet did like a question about should she buy it

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<v Speaker 2>eighty eight eighty eight or eighty thousand dollars perse handbag?

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<v Speaker 2>And Twitter was not having it. They're like, in the

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<v Speaker 2>middle of a pandemic and an economic crisis, you would

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<v Speaker 2>like to ask your fans on Twitter if you should

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<v Speaker 2>spend eighty thousand dollars on a handbag? And she got

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<v Speaker 2>a little snippy with people in return. But I don't

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<v Speaker 2>think Cardi is the only one. Like you've seen celebrities

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<v Speaker 2>like they still post there and it's not just like celebrities.

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<v Speaker 2>I'm bad at anybody out here frivolously spending but also

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<v Speaker 2>just frivolously unmasking, gathering like you know, posting pictures of

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<v Speaker 2>just out of touch with reality, you know. So Cardi

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<v Speaker 2>got dragged just just a little bit yike.

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<v Speaker 1>I mean yeah, cause here's the thing, I don't know

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<v Speaker 1>who's I was watching, So like, have your gathering if

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<v Speaker 1>that's what you want, But why do you feel the

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<v Speaker 1>need to have to share your shenanigans. Yeah, it's almost

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<v Speaker 1>like you can't enjoy unless you feel like people feel

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<v Speaker 1>less than And I used to have like a remember

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<v Speaker 1>we talk earlier when we first started a podcast about

0:11:01.880 --> 0:11:04.439
<v Speaker 1>the bully friend. Oh yes, yes, right, I used to

0:11:04.480 --> 0:11:08.240
<v Speaker 1>have like a bully friend in college who literally if

0:11:08.280 --> 0:11:10.040
<v Speaker 1>I thought a guy was cute, she would go after

0:11:10.120 --> 0:11:11.559
<v Speaker 1>him and like get his number. But oh my god,

0:11:11.559 --> 0:11:14.000
<v Speaker 1>I got Randy's number and I'd be like okay, and

0:11:14.040 --> 0:11:16.400
<v Speaker 1>she's like, are you mad, I'm like no, I mean

0:11:16.440 --> 0:11:18.920
<v Speaker 1>I just said that guy in science is cute. I mean, like,

0:11:19.400 --> 0:11:22.200
<v Speaker 1>we don't have a baby to gether like. And so

0:11:22.280 --> 0:11:24.920
<v Speaker 1>it took me a while to realize that, oh, she's

0:11:25.120 --> 0:11:27.720
<v Speaker 1>doing that intentionally. If I say someone is cute, she

0:11:27.880 --> 0:11:30.800
<v Speaker 1>goes after them because it's like she can't feel good

0:11:30.840 --> 0:11:33.280
<v Speaker 1>about what she has unless she feels like she has

0:11:33.320 --> 0:11:36.440
<v Speaker 1>one up on someone. So clearly we're no longer friends.

0:11:36.480 --> 0:11:39.720
<v Speaker 2>But some people that's social media in a nutshew though, yes, right,

0:11:40.000 --> 0:11:41.800
<v Speaker 2>that's why I haven't been posting. And while there's nothing

0:11:41.840 --> 0:11:46.080
<v Speaker 2>to post, nothing, people uh jealous of just me in

0:11:46.160 --> 0:11:49.440
<v Speaker 2>a house, crying sometimes in the corner, but mostly having

0:11:49.440 --> 0:11:51.679
<v Speaker 2>a good time watching Sasame Street and working.

0:11:52.080 --> 0:11:53.840
<v Speaker 1>And that's why I honestly, I mean like thank God,

0:11:53.920 --> 0:11:55.599
<v Speaker 1>like you know, because I honestly, if I had a

0:11:55.640 --> 0:11:57.640
<v Speaker 1>Tiffany and Let page, there'd be nothing on there. So

0:11:57.679 --> 0:12:00.720
<v Speaker 1>with the budgets, you know, we're just posting here's how

0:12:00.760 --> 0:12:03.960
<v Speaker 1>to save and here's how to budget, and yeah, I

0:12:04.000 --> 0:12:05.719
<v Speaker 1>don't even I mean, I feel that's what I love

0:12:05.720 --> 0:12:08.120
<v Speaker 1>about our podcast because you know, we can talk about

0:12:08.200 --> 0:12:10.400
<v Speaker 1>Rio and then I'll talk about Superman, you talk about husband,

0:12:10.400 --> 0:12:13.040
<v Speaker 1>because I hear I'm a little more candid, but I

0:12:13.040 --> 0:12:15.640
<v Speaker 1>don't really share those things like I used to on

0:12:15.679 --> 0:12:19.160
<v Speaker 1>social because it's not super weird. But sometimes it's gotten

0:12:19.200 --> 0:12:21.679
<v Speaker 1>a little bit weird with people googling who my husband

0:12:21.760 --> 0:12:26.720
<v Speaker 1>was or stuff like that. And I was just like, yeah, so.

0:12:26.320 --> 0:12:31.400
<v Speaker 2>That the people want to know. Somebody actually were like, yeah,

0:12:31.440 --> 0:12:33.439
<v Speaker 2>I know, this podcast lives on forever, but it's a

0:12:33.480 --> 0:12:35.760
<v Speaker 2>lot harder. I feel like to go back and hear,

0:12:35.880 --> 0:12:39.560
<v Speaker 2>you know, recently, something someone said versus, you know, just

0:12:39.600 --> 0:12:43.480
<v Speaker 2>scrolling and plucking out a bad Instagram. So yeah, I've

0:12:43.520 --> 0:12:46.840
<v Speaker 2>always been a little weary of the social the social lensa.

0:12:47.960 --> 0:12:49.599
<v Speaker 1>It was so much fun social, so much fun. It

0:12:49.720 --> 0:12:51.480
<v Speaker 1>was like your friends, You're like, oh, it's rage to

0:12:51.480 --> 0:12:53.160
<v Speaker 1>post the supers all the time. Remember, I was like

0:12:53.559 --> 0:12:58.080
<v Speaker 1>super Girls, Superman, super fam. And then like one day,

0:12:58.200 --> 0:13:00.760
<v Speaker 1>like one of one of my friends was like, my

0:13:00.840 --> 0:13:02.959
<v Speaker 1>cousin is really weird. She asked me if you guys

0:13:02.960 --> 0:13:05.319
<v Speaker 1>broke up because you don't post this Superman as much.

0:13:05.360 --> 0:13:08.600
<v Speaker 1>I was like, what, Well, first of all, why is

0:13:08.600 --> 0:13:10.920
<v Speaker 1>she concerned? And even if we did break up, which

0:13:10.920 --> 0:13:15.240
<v Speaker 1>we have not, Oh, why does she care? Like but

0:13:15.280 --> 0:13:17.880
<v Speaker 1>it was like more like it wasn't like oh, it

0:13:17.920 --> 0:13:20.559
<v Speaker 1>was like is she okay? Can you ask your friend

0:13:20.600 --> 0:13:23.400
<v Speaker 1>about Denise if she's okay? Because she doesn't posted Man anymore.

0:13:23.440 --> 0:13:25.240
<v Speaker 1>So I'm just assuming that they broke up. I was

0:13:25.280 --> 0:13:27.320
<v Speaker 1>almost like she was trying to get tea. I was like, ah,

0:13:27.400 --> 0:13:29.280
<v Speaker 1>my life. So I was like, you know what, I

0:13:29.320 --> 0:13:30.800
<v Speaker 1>just posted him on his birthday and even then I

0:13:30.800 --> 0:13:32.840
<v Speaker 1>post both of them. I'm like, guess which one You'll

0:13:32.880 --> 0:13:33.199
<v Speaker 1>never know?

0:13:33.880 --> 0:13:38.560
<v Speaker 2>Yeah, I feel what's interesting earlier you talked about I forget,

0:13:38.559 --> 0:13:40.600
<v Speaker 2>oh something about clubhouse. How you can just like you know,

0:13:40.640 --> 0:13:43.319
<v Speaker 2>you can talk even to yourself. And I just I

0:13:43.400 --> 0:13:45.240
<v Speaker 2>kind of hit a wall this weekend and I took

0:13:45.240 --> 0:13:46.959
<v Speaker 2>myself out of the game. I took myself out of

0:13:46.960 --> 0:13:48.480
<v Speaker 2>the house. I was like, I have to go. I

0:13:48.520 --> 0:13:52.520
<v Speaker 2>literally just as something snapped and I was like, I

0:13:52.520 --> 0:13:54.360
<v Speaker 2>I have an errand to run and I just left

0:13:54.760 --> 0:13:57.760
<v Speaker 2>my husband and it was like, okay, bye, I haven't

0:13:57.760 --> 0:13:59.319
<v Speaker 2>been out the house in like two weeks. It's been

0:13:59.360 --> 0:14:01.719
<v Speaker 2>a long long time time, Like literally, have not left you.

0:14:01.920 --> 0:14:05.240
<v Speaker 2>I never except to decorate the house for Christmas, so

0:14:05.280 --> 0:14:07.880
<v Speaker 2>haven't left my yard, I guess. And I just I

0:14:07.920 --> 0:14:10.280
<v Speaker 2>don't know I had this. I guess it was just anxiety,

0:14:10.280 --> 0:14:13.000
<v Speaker 2>pure and simple. My anxiety is coming back and and

0:14:13.160 --> 0:14:16.160
<v Speaker 2>well not coming back. It's always there, but she's you know,

0:14:16.480 --> 0:14:19.120
<v Speaker 2>she she was a little harrier and scarier last week,

0:14:19.160 --> 0:14:21.880
<v Speaker 2>and hence the not sleeping. And it just felt a

0:14:21.880 --> 0:14:25.320
<v Speaker 2>little too too much like like February twenty twenty to me,

0:14:25.440 --> 0:14:27.720
<v Speaker 2>you know, back when I was at my peak anxiety.

0:14:27.920 --> 0:14:30.280
<v Speaker 2>But I am a stronger and smarter person, so I

0:14:30.440 --> 0:14:33.120
<v Speaker 2>actually did something this time. I left the house and

0:14:33.200 --> 0:14:35.560
<v Speaker 2>I ended up looking. I just got a coffee from Starbucks,

0:14:35.600 --> 0:14:37.720
<v Speaker 2>a nice little latte, and I went and I just

0:14:37.760 --> 0:14:39.920
<v Speaker 2>sat in a parking lot in the car and I

0:14:40.200 --> 0:14:43.120
<v Speaker 2>just sat there and that's all I could do. I

0:14:43.160 --> 0:14:46.200
<v Speaker 2>was like I had all this like boxes and bags

0:14:46.200 --> 0:14:48.640
<v Speaker 2>in the trunk, like returns to different stores, and I

0:14:48.640 --> 0:14:50.960
<v Speaker 2>did have errands to run. But I don't know if

0:14:50.960 --> 0:14:52.640
<v Speaker 2>you've ever felt that way, but I just was like,

0:14:52.720 --> 0:14:54.520
<v Speaker 2>I just don't want to do it. I don't want

0:14:54.520 --> 0:14:56.400
<v Speaker 2>to drive, I don't want to I'm just gonna sit here.

0:14:56.800 --> 0:14:58.600
<v Speaker 2>And then I ended up I pulled out my voice

0:14:58.640 --> 0:15:02.160
<v Speaker 2>memo app and I just like because it just it

0:15:02.200 --> 0:15:04.960
<v Speaker 2>didn't feel like the kind of thing that was right

0:15:05.040 --> 0:15:08.120
<v Speaker 2>for social media. It just felt too raw. But it

0:15:08.160 --> 0:15:10.800
<v Speaker 2>really made me feel better, like just talking out into

0:15:10.840 --> 0:15:13.240
<v Speaker 2>the air and just sitting there. And then I got

0:15:13.240 --> 0:15:16.480
<v Speaker 2>some lunch and then I went home, and I'm going

0:15:16.560 --> 0:15:21.200
<v Speaker 2>to call that self care. Like part of me is like, maybe,

0:15:21.360 --> 0:15:22.960
<v Speaker 2>like why didn't you go for a walk, Why didn't

0:15:22.960 --> 0:15:24.840
<v Speaker 2>you do the peloton? Like maybe you could have, you know,

0:15:25.320 --> 0:15:27.840
<v Speaker 2>moved your body, but it just even the body didn't

0:15:27.840 --> 0:15:30.280
<v Speaker 2>want to be moved. It was just sit your ass

0:15:30.320 --> 0:15:33.840
<v Speaker 2>down and you know, just be for a little while.

0:15:34.200 --> 0:15:36.800
<v Speaker 2>I feel a lot better now. I'm getting sleep, I'm

0:15:36.800 --> 0:15:41.640
<v Speaker 2>doing my breathing exercises and uh, you know, I've even

0:15:42.280 --> 0:15:45.720
<v Speaker 2>I really have leaned on meditation these past few months especially,

0:15:46.160 --> 0:15:48.440
<v Speaker 2>so I'm starting to do that again and I'm getting

0:15:48.520 --> 0:15:51.840
<v Speaker 2>her under control. I'm the beast is always there, the

0:15:51.840 --> 0:15:53.840
<v Speaker 2>beast of anxiety. But you know, I'm just I'm just

0:15:53.960 --> 0:15:56.520
<v Speaker 2>combing her hair, smoothing it out, you know, giving her

0:15:56.520 --> 0:15:59.920
<v Speaker 2>a little treat. Do you just stay there, staying your

0:16:00.400 --> 0:16:02.600
<v Speaker 2>stay at your spot so I can, you know, get

0:16:02.600 --> 0:16:05.400
<v Speaker 2>on with my life. But I forgot. It reminded me

0:16:05.480 --> 0:16:08.200
<v Speaker 2>how when it creeps back up like that and you

0:16:08.280 --> 0:16:11.000
<v Speaker 2>hit and you get it's so hard to break out

0:16:11.040 --> 0:16:13.720
<v Speaker 2>of it. And it's it brought me back, and I

0:16:13.760 --> 0:16:15.800
<v Speaker 2>was like, I do not, Nope, do not want to

0:16:15.840 --> 0:16:20.760
<v Speaker 2>return to this place. But I'm I'm a lot better now,

0:16:20.800 --> 0:16:21.720
<v Speaker 2>a lot better now.

0:16:21.640 --> 0:16:24.960
<v Speaker 1>Good, And I'm glad you recognize and said, no, I'm

0:16:24.960 --> 0:16:27.040
<v Speaker 1>going to take a break in recognizing that a break.

0:16:27.200 --> 0:16:30.400
<v Speaker 1>It's not it's not always tuloom. Sometimes it's just sitting

0:16:30.440 --> 0:16:32.600
<v Speaker 1>in the car, you know, Well, I think.

0:16:32.400 --> 0:16:34.640
<v Speaker 2>It's just it feels so suffocating now because and it

0:16:34.720 --> 0:16:36.880
<v Speaker 2>reminded me again. It just brought me back to like

0:16:36.920 --> 0:16:40.800
<v Speaker 2>maternity leave, because maternity leave in my peak anxiety because

0:16:40.840 --> 0:16:43.440
<v Speaker 2>it just feels like there's nowhere safe to go, and

0:16:43.720 --> 0:16:46.040
<v Speaker 2>it also feels you feel insane because it looks like

0:16:46.080 --> 0:16:48.840
<v Speaker 2>everyone else is going there. Like I know, the parking

0:16:48.880 --> 0:16:51.120
<v Speaker 2>lot was lit at that strip mall, and I, you know,

0:16:51.240 --> 0:16:52.640
<v Speaker 2>and I watched a lot of people come and go

0:16:52.680 --> 0:16:55.320
<v Speaker 2>for those forty five minutes. And I even went there

0:16:55.400 --> 0:16:57.480
<v Speaker 2>to avoid the mall because I knew that the mall

0:16:57.520 --> 0:17:00.920
<v Speaker 2>would be, you know, busy. But and I'm just say,

0:17:00.960 --> 0:17:03.120
<v Speaker 2>am I insane? Am I the only one who cares?

0:17:03.200 --> 0:17:06.600
<v Speaker 2>And also I desperately want to go somewhere but nothing,

0:17:07.240 --> 0:17:10.359
<v Speaker 2>you know, it's just yeah, I nothing feels safe, and

0:17:10.640 --> 0:17:13.560
<v Speaker 2>so I just you know, I social distanced myself in

0:17:13.600 --> 0:17:16.119
<v Speaker 2>my car and that was that.

0:17:16.800 --> 0:17:19.359
<v Speaker 1>Well, you got a break. So that's what matters most.

0:17:19.400 --> 0:17:21.320
<v Speaker 1>I had my first So remember, you know I said

0:17:21.320 --> 0:17:26.000
<v Speaker 1>I hired Stephanie my my my therapist finder. So many

0:17:26.080 --> 0:17:33.040
<v Speaker 1>of y'all have flooded her so which I love because therapy, help, coaching, whatever,

0:17:33.160 --> 0:17:36.720
<v Speaker 1>everyone needs a little boost, you know. Yeah, So when

0:17:36.720 --> 0:17:38.720
<v Speaker 1>I met with Stephanie. As we were talking through things,

0:17:38.760 --> 0:17:40.960
<v Speaker 1>she kept saying, I don't know if therapy is what

0:17:41.000 --> 0:17:42.919
<v Speaker 1>I'm hearing. She's like, I'm not saying everyone doesn't need

0:17:42.960 --> 0:17:45.760
<v Speaker 1>therapy at some point, you know, which I myself throughout college,

0:17:45.760 --> 0:17:47.800
<v Speaker 1>I had therapy because I was really struggling. But she

0:17:48.000 --> 0:17:51.040
<v Speaker 1>was like, the things that you are struggling with, Tiffany,

0:17:51.320 --> 0:17:54.600
<v Speaker 1>she said, therapy really unearthed some of the past things

0:17:54.680 --> 0:17:57.479
<v Speaker 1>and the things that like you sound like you're struggling

0:17:57.520 --> 0:18:00.480
<v Speaker 1>with is really present things like you know, like cause

0:18:00.520 --> 0:18:02.520
<v Speaker 1>I was like, I'm overwhelmed with being a CEO of

0:18:02.520 --> 0:18:04.480
<v Speaker 1>too many dad gone companies and all the things I

0:18:04.480 --> 0:18:07.080
<v Speaker 1>put on my plate and setting boundaries. And she was like,

0:18:07.119 --> 0:18:09.399
<v Speaker 1>when I when you talk about some of the trauma

0:18:09.440 --> 0:18:12.200
<v Speaker 1>from your past, you talk about it in a healthy way,

0:18:12.240 --> 0:18:13.520
<v Speaker 1>which shows me you've done a lot of the work,

0:18:13.560 --> 0:18:15.640
<v Speaker 1>which I have. And she was like, it's just even

0:18:15.680 --> 0:18:21.000
<v Speaker 1>the way your relationships are, it shows that you've done enough,

0:18:21.160 --> 0:18:22.760
<v Speaker 1>so much work, so much so that you can have

0:18:22.800 --> 0:18:26.679
<v Speaker 1>healthy relationships and it's not holding you from moving forward,

0:18:26.720 --> 0:18:29.320
<v Speaker 1>you know, like you obviously you know you're you're productive

0:18:29.520 --> 0:18:30.960
<v Speaker 1>or whatever. And I was like, this is true. So

0:18:31.000 --> 0:18:33.280
<v Speaker 1>she's like, I'm not saying I'm not throwing out therapy altogether,

0:18:33.560 --> 0:18:37.359
<v Speaker 1>but I really feel like coaching might be more of

0:18:37.440 --> 0:18:40.520
<v Speaker 1>an alignment. I was like, okay, Like I said, therapy

0:18:40.680 --> 0:18:43.359
<v Speaker 1>is past, coaching is present. And I was like, okay,

0:18:43.400 --> 0:18:46.960
<v Speaker 1>so cannet coaching, yeah, because I wish I've never had before.

0:18:46.960 --> 0:18:49.320
<v Speaker 1>I was like, I mean, I've had executive coaching as

0:18:49.359 --> 0:18:53.320
<v Speaker 1>far as coaching specifically for like this business, because we're

0:18:53.359 --> 0:18:55.320
<v Speaker 1>gonna you know, like I've I've had. I just did

0:18:55.320 --> 0:18:57.280
<v Speaker 1>that this year, which was very helpful. So I was

0:18:57.320 --> 0:18:59.080
<v Speaker 1>always kind of not gonna lie. I felt life life

0:18:59.119 --> 0:19:02.720
<v Speaker 1>coaching sound a little scammy spammy. But what I did

0:19:02.760 --> 0:19:05.639
<v Speaker 1>like about the coach she suggested is that this coach

0:19:05.840 --> 0:19:08.800
<v Speaker 1>is a doctor and she's a therapist, but she has

0:19:08.800 --> 0:19:11.159
<v Speaker 1>a doctorate as well, so she's a doctor. But so

0:19:11.240 --> 0:19:13.720
<v Speaker 1>I was like okay. So she was like doctor Green

0:19:14.280 --> 0:19:19.639
<v Speaker 1>is a therapist, but she has a coaching like component,

0:19:20.040 --> 0:19:22.119
<v Speaker 1>like like, so she's not going to get because she

0:19:22.160 --> 0:19:24.879
<v Speaker 1>separates the two. You can't get therapy and coaching at

0:19:24.880 --> 0:19:28.119
<v Speaker 1>the same time. So I like that. I was like, okay,

0:19:28.160 --> 0:19:29.840
<v Speaker 1>she said, Now she said, the reason why I like

0:19:29.880 --> 0:19:33.040
<v Speaker 1>doctor Green, is that as she's coaching you with the

0:19:33.080 --> 0:19:36.919
<v Speaker 1>things that you're working through now, if she hears something

0:19:36.920 --> 0:19:39.480
<v Speaker 1>that concerns her that she says, you know what this

0:19:39.600 --> 0:19:42.200
<v Speaker 1>requires therapy, She's going to hear and know and then

0:19:42.240 --> 0:19:44.960
<v Speaker 1>redirect you. So I was like, okay, I thought it

0:19:45.000 --> 0:19:48.880
<v Speaker 1>was a perfect Honestly, Stephanie the therapy finder. I mean,

0:19:49.680 --> 0:19:51.480
<v Speaker 1>I've already said like four friends to her and they've

0:19:51.480 --> 0:19:53.320
<v Speaker 1>come back to me and said, girl, did you cry

0:19:53.320 --> 0:19:55.959
<v Speaker 1>because I cried? I said, I cried? And then and

0:19:56.000 --> 0:19:59.200
<v Speaker 1>then she's found them an amazing therapist or has given

0:19:59.280 --> 0:20:02.600
<v Speaker 1>them the tool to move forward or not move forward

0:20:02.600 --> 0:20:05.400
<v Speaker 1>with their current therapist, because Stephanie does that too, like, hey,

0:20:05.880 --> 0:20:07.879
<v Speaker 1>you know it's my therapist. Now have I outgrown them?

0:20:07.880 --> 0:20:09.760
<v Speaker 1>If you have those types of questions, She's just awesome.

0:20:10.000 --> 0:20:12.760
<v Speaker 1>So anyway, she connected me with doctor Green. We had

0:20:12.760 --> 0:20:16.159
<v Speaker 1>our first call on Friday. Man, d it was everything.

0:20:16.200 --> 0:20:19.080
<v Speaker 1>I was like, she was exactly right. I didn't not

0:20:19.160 --> 0:20:21.680
<v Speaker 1>that I've said, I won't say I don't need therapy,

0:20:22.240 --> 0:20:25.840
<v Speaker 1>but what I'm really struggling with is not really my

0:20:26.040 --> 0:20:29.560
<v Speaker 1>past stuff. It's just the current load of my life now.

0:20:30.040 --> 0:20:32.320
<v Speaker 1>And so doctor Green, where we were really like working

0:20:32.320 --> 0:20:34.000
<v Speaker 1>through and talking through. She gave me like some homework

0:20:34.080 --> 0:20:37.680
<v Speaker 1>and it was just really good. Something that she said,

0:20:37.720 --> 0:20:39.399
<v Speaker 1>I'll share this with you guys, something that she shared

0:20:39.720 --> 0:20:42.840
<v Speaker 1>because we were I was sharing how I have a

0:20:42.840 --> 0:20:44.760
<v Speaker 1>hard time setting boundaries and she was, you know, kind

0:20:44.800 --> 0:20:47.159
<v Speaker 1>of unearthing the why, the why, the why, and you know,

0:20:47.200 --> 0:20:49.119
<v Speaker 1>really what unearthed was that I don't want to be

0:20:49.160 --> 0:20:52.440
<v Speaker 1>seen as difficult. And she said, well, what's the difficult person.

0:20:52.440 --> 0:20:54.320
<v Speaker 1>I'm like, well, people that you know that make people

0:20:54.359 --> 0:20:57.800
<v Speaker 1>feel uneasy, people that make it harder for other people

0:20:57.920 --> 0:20:59.920
<v Speaker 1>and this and that. She's like, okay, well, do you

0:21:00.119 --> 0:21:02.520
<v Speaker 1>have any friends that are like, you know, pretty assertive whatever.

0:21:02.520 --> 0:21:04.359
<v Speaker 1>I was like, oh, yeah, yeah, some of my favorite friends,

0:21:04.400 --> 0:21:06.720
<v Speaker 1>like my friend Mandy is really like clear and asserted,

0:21:06.760 --> 0:21:08.560
<v Speaker 1>my friend Cabra, my friend really like the people who

0:21:08.600 --> 0:21:10.320
<v Speaker 1>I talk to the most. And she said, do you

0:21:10.359 --> 0:21:13.119
<v Speaker 1>think they're difficult? And I'm like no, and she was like,

0:21:13.240 --> 0:21:16.560
<v Speaker 1>so only when you assert yourself it's difficult, but when

0:21:16.560 --> 0:21:19.040
<v Speaker 1>your friends do, it's something that you admire and that's

0:21:19.040 --> 0:21:20.879
<v Speaker 1>one of the reasons why you're friends with them. And

0:21:20.920 --> 0:21:25.639
<v Speaker 1>I was like, say what now, because honestly, it is

0:21:25.680 --> 0:21:30.080
<v Speaker 1>I realized that I surround myself with badass folks like you, Mandy,

0:21:30.119 --> 0:21:31.800
<v Speaker 1>like for real, like you, my friend Cabra, my friend

0:21:31.880 --> 0:21:37.000
<v Speaker 1>Rihanna went, I look, and I love the how like

0:21:37.000 --> 0:21:40.720
<v Speaker 1>like just assertive and clear and the boundaries that you set.

0:21:40.840 --> 0:21:43.320
<v Speaker 1>And yet I have told myself, if I do it,

0:21:43.480 --> 0:21:45.360
<v Speaker 1>that's bad, Tiffany, but if you do it like, oh,

0:21:45.359 --> 0:21:47.920
<v Speaker 1>look at Mandy go you know. So she was just

0:21:48.080 --> 0:21:50.280
<v Speaker 1>like okay. So there was just like homework on Earth,

0:21:50.320 --> 0:21:52.760
<v Speaker 1>those types of things. It was really, honestly, it was

0:21:52.840 --> 0:21:55.000
<v Speaker 1>everything I left feeling of cross. I cried because you know,

0:21:55.040 --> 0:21:57.520
<v Speaker 1>I'm such a cry baby. Meanwhile, I was crying. So

0:21:57.760 --> 0:22:00.080
<v Speaker 1>we have a video chat, and my sister walked in like, hey,

0:22:00.520 --> 0:22:05.320
<v Speaker 1>oh my dad. So I felt like she was Rio.

0:22:05.400 --> 0:22:07.200
<v Speaker 1>I was like, look at Rio just opening the door.

0:22:08.800 --> 0:22:10.320
<v Speaker 2>She didn't scream and throw something.

0:22:11.240 --> 0:22:15.520
<v Speaker 1>But honestly, it was so good, and it just I've

0:22:15.560 --> 0:22:19.520
<v Speaker 1>decided that I'm really going to put some real effort

0:22:19.840 --> 0:22:23.439
<v Speaker 1>into self care, and not because self care is so

0:22:23.480 --> 0:22:25.520
<v Speaker 1>easy to think, like your massages and your therapist or whatever,

0:22:25.640 --> 0:22:27.920
<v Speaker 1>not just that like my on my shoulder, I haven't

0:22:27.920 --> 0:22:29.679
<v Speaker 1>had full range of motion for a while. It's been

0:22:29.720 --> 0:22:32.360
<v Speaker 1>really it was like hurting, and so I started. I'm

0:22:32.400 --> 0:22:34.480
<v Speaker 1>on week two of physical therapy. I go three times

0:22:34.480 --> 0:22:36.760
<v Speaker 1>a week, and I cleared that time on my calendar

0:22:36.800 --> 0:22:38.840
<v Speaker 1>to make it work. I have on my list. I'm like, okay,

0:22:39.560 --> 0:22:42.080
<v Speaker 1>let's go back to the dentist. You know, you's you

0:22:42.119 --> 0:22:43.879
<v Speaker 1>didn't get your cleaning this year because you know, I

0:22:43.920 --> 0:22:46.560
<v Speaker 1>was like, eh, dentists cleaning. I don't know about COVID

0:22:46.640 --> 0:22:49.600
<v Speaker 1>mouth open, you know, but let's schedule that. So like

0:22:49.720 --> 0:22:52.440
<v Speaker 1>really just scheduling all these so not just taking care

0:22:52.480 --> 0:22:57.000
<v Speaker 1>of myself mentally and emotionally, but like what things physically

0:22:57.080 --> 0:22:58.719
<v Speaker 1>have I not done? Like I'm like, okay, I got

0:22:58.760 --> 0:23:01.879
<v Speaker 1>to go back to the because like I was supposed

0:23:01.920 --> 0:23:03.159
<v Speaker 1>to do all the stuff she wanted me to do,

0:23:03.200 --> 0:23:04.760
<v Speaker 1>and I was like I didn't. So I'm like, okay,

0:23:04.800 --> 0:23:07.320
<v Speaker 1>let me go back. So I'm just like excited about, like,

0:23:07.359 --> 0:23:12.959
<v Speaker 1>you know, really making my overall health a top priority

0:23:13.359 --> 0:23:15.720
<v Speaker 1>and you know that, you know, having that. I talk

0:23:15.800 --> 0:23:18.199
<v Speaker 1>with doctor Green every two weeks. It's a six week program.

0:23:18.400 --> 0:23:20.600
<v Speaker 1>I talk for heruth every two weeks, and my homework

0:23:20.600 --> 0:23:23.679
<v Speaker 1>homework is I have to write a letter I have

0:23:23.720 --> 0:23:25.760
<v Speaker 1>to my forty six year old self has to write

0:23:25.760 --> 0:23:28.600
<v Speaker 1>a letter to my forty one year old self, because

0:23:28.640 --> 0:23:34.160
<v Speaker 1>I have a big fear of like, like that something

0:23:34.200 --> 0:23:35.840
<v Speaker 1>is going to happen, Like because everything right now my

0:23:35.840 --> 0:23:38.080
<v Speaker 1>life is so good that I'm always I'm scared that,

0:23:38.119 --> 0:23:40.560
<v Speaker 1>But what about when it's not good? And she's like, well,

0:23:40.600 --> 0:23:42.639
<v Speaker 1>have your older self write you a letter now to

0:23:42.680 --> 0:23:45.280
<v Speaker 1>talk about what you think life is like then, you know,

0:23:45.400 --> 0:23:47.359
<v Speaker 1>to kind of allay those fears. And she's like, I

0:23:47.400 --> 0:23:50.960
<v Speaker 1>would challenge you to say, so, let's pretend that you're right.

0:23:51.080 --> 0:23:53.800
<v Speaker 1>In five years, it's not as good. The budget, he says,

0:23:53.800 --> 0:23:56.399
<v Speaker 1>is not as poppin'. You know, maybe you're struggling with

0:23:55.960 --> 0:23:58.320
<v Speaker 1>your with your relationship with your husband, You and your

0:23:58.359 --> 0:24:01.320
<v Speaker 1>sisters are not as close. I was like, ah, she said,

0:24:01.920 --> 0:24:05.440
<v Speaker 1>knowing that, what would you wish you knew if you

0:24:05.640 --> 0:24:07.439
<v Speaker 1>if you knew that five years from now things are

0:24:07.440 --> 0:24:09.240
<v Speaker 1>going to be harder, what would you wish you did now?

0:24:09.520 --> 0:24:13.199
<v Speaker 1>I said, lean in more? She said exactly, like, so

0:24:13.440 --> 0:24:16.880
<v Speaker 1>even if your worst fears are true, all the more

0:24:16.920 --> 0:24:20.760
<v Speaker 1>reasons to lean in more. I was like, it was

0:24:20.760 --> 0:24:23.760
<v Speaker 1>so good many honestly, it was so good, So.

0:24:24.240 --> 0:24:26.440
<v Speaker 2>I don't don't really feel like crying on this show.

0:24:26.520 --> 0:24:30.359
<v Speaker 1>So I just want to give you that those because

0:24:30.400 --> 0:24:32.480
<v Speaker 1>I know I love you know, I trying to be

0:24:32.520 --> 0:24:35.360
<v Speaker 1>obviously keep I keep things, obviously some stuff for myself.

0:24:35.400 --> 0:24:39.720
<v Speaker 1>But I'm sharing that because I I know someone out

0:24:39.720 --> 0:24:43.000
<v Speaker 1>there needs to hear and you know, and I feel

0:24:43.000 --> 0:24:44.879
<v Speaker 1>like what I love about the show is that we share,

0:24:44.960 --> 0:24:48.200
<v Speaker 1>you know, the hard things, the good things, the challenging things,

0:24:48.200 --> 0:24:49.919
<v Speaker 1>and yeah, so I just wanted to kind of like

0:24:50.119 --> 0:24:53.560
<v Speaker 1>slip that sizzle in spirit if you are needing to

0:24:53.600 --> 0:24:55.640
<v Speaker 1>hear that, so but I will, I will leave it there.

0:24:56.720 --> 0:24:59.119
<v Speaker 2>Well, thanks for sharing that. And I'm excited because I

0:24:59.640 --> 0:25:03.640
<v Speaker 2>feel it's just not the It's been such a year

0:25:04.000 --> 0:25:06.840
<v Speaker 2>and I think we've all spent the last year kind

0:25:06.880 --> 0:25:08.959
<v Speaker 2>of figuring out what it is that we need because

0:25:09.720 --> 0:25:11.800
<v Speaker 2>the coping strategies that used to get us through one

0:25:11.840 --> 0:25:14.119
<v Speaker 2>bad week or one bad day just don't work for

0:25:14.160 --> 0:25:17.040
<v Speaker 2>one bad year. And it's only gonna even if the

0:25:17.040 --> 0:25:21.080
<v Speaker 2>worst never does come, being prepared for it mentally, emotionally,

0:25:21.240 --> 0:25:23.840
<v Speaker 2>all spiritually, all of that is it can only be good.

0:25:24.119 --> 0:25:26.160
<v Speaker 2>So thanks for sharing that, Tiff.

0:25:26.400 --> 0:25:26.960
<v Speaker 1>No prob.

0:25:27.760 --> 0:25:29.639
<v Speaker 2>Shall we take a quick break and come back with

0:25:29.720 --> 0:25:34.440
<v Speaker 2>your questions let's get back to money and careers making

0:25:34.440 --> 0:25:35.159
<v Speaker 2>that money.

0:25:34.880 --> 0:26:12.080
<v Speaker 1>Off, and we're back with questions. Putas if you will.

0:26:12.720 --> 0:26:15.560
<v Speaker 1>You didn't know I was bilingual. I am, well, I

0:26:15.600 --> 0:26:19.080
<v Speaker 1>have one or two words you ask. My favorite part

0:26:19.080 --> 0:26:23.640
<v Speaker 1>of the show. Questions, Questions, questions, Oh, questions, questions, questions,

0:26:23.800 --> 0:26:24.800
<v Speaker 1>Questions come.

0:26:24.640 --> 0:26:27.480
<v Speaker 2>On many in congo. Okay, yeah, right, like I.

0:26:27.400 --> 0:26:29.120
<v Speaker 1>Want you, I want you. I need your shoulders moving.

0:26:29.160 --> 0:26:32.000
<v Speaker 1>I can't see you, but I can feel you. Questions, questions. Question.

0:26:32.119 --> 0:26:34.320
<v Speaker 2>If I move my shoulders, then the pillows that I

0:26:34.359 --> 0:26:36.600
<v Speaker 2>have propped up to help with sound, they move, so

0:26:36.680 --> 0:26:39.320
<v Speaker 2>I'm actually just hunched in the worst position ever.

0:26:40.200 --> 0:26:41.920
<v Speaker 1>We'll go ahead with the questions, questions.

0:26:42.040 --> 0:26:44.960
<v Speaker 2>Let's get to the question. Our first question comes from

0:26:45.040 --> 0:26:48.919
<v Speaker 2>let's call her Brandy. Okay, Brandy says, how can I

0:26:48.960 --> 0:26:51.920
<v Speaker 2>pay off twenty thousand dollars in debt on a fixed income?

0:26:52.400 --> 0:26:54.600
<v Speaker 2>I have no real property and due to health I

0:26:54.640 --> 0:26:58.840
<v Speaker 2>cannot get a job. Thank you. This is a whole

0:26:58.840 --> 0:27:00.480
<v Speaker 2>lot of questions, and so if you were words.

0:27:00.880 --> 0:27:05.960
<v Speaker 1>Yeah, well, here's the thing. The best method that I

0:27:06.000 --> 0:27:08.640
<v Speaker 1>have found out, it's slow and steady wins. The races

0:27:08.720 --> 0:27:10.200
<v Speaker 1>of My dad used to say when we were kids.

0:27:10.560 --> 0:27:13.040
<v Speaker 1>So I remember during the two thousand and eight recession,

0:27:13.160 --> 0:27:15.240
<v Speaker 1>I had thirty five thousand dollars in credit card debt

0:27:15.240 --> 0:27:19.000
<v Speaker 1>and I was living on unemployment, and so what I

0:27:19.000 --> 0:27:23.480
<v Speaker 1>did was, honestly, I used the snowball method. And it's

0:27:23.520 --> 0:27:26.199
<v Speaker 1>not fast, but it's slow and steady. And the way

0:27:26.240 --> 0:27:28.960
<v Speaker 1>the snowball method works is that you pay off the

0:27:29.000 --> 0:27:35.320
<v Speaker 1>debt with the lowest balance first, So well first and

0:27:35.359 --> 0:27:37.119
<v Speaker 1>if you if for those, I'm going to describe it,

0:27:37.160 --> 0:27:38.520
<v Speaker 1>but I'm sure I'm going to flow it up. You

0:27:38.520 --> 0:27:40.080
<v Speaker 1>can always go to the budget east to the blog and

0:27:40.119 --> 0:27:42.680
<v Speaker 1>type in snowball and then it I literally walk you through.

0:27:42.920 --> 0:27:45.840
<v Speaker 1>So snowmall with it works like this. So you list

0:27:45.880 --> 0:27:47.720
<v Speaker 1>your debt from the lowest to highest as far as

0:27:47.800 --> 0:27:51.119
<v Speaker 1>balances are concerned, and then you have to look at

0:27:51.119 --> 0:27:54.920
<v Speaker 1>your budget to find some money could set aside. Maybe

0:27:54.920 --> 0:27:58.159
<v Speaker 1>it's twenty dollars, maybe it's ten dollars, whatever that looks like.

0:27:58.280 --> 0:28:01.120
<v Speaker 1>You know, it's like set aside specific amount of money

0:28:01.160 --> 0:28:02.520
<v Speaker 1>that you can like, Okay, I'm going to put this

0:28:02.560 --> 0:28:05.360
<v Speaker 1>to accelerate the snowball method. So let's just pretend it's

0:28:05.400 --> 0:28:09.200
<v Speaker 1>twenty five dollars. So you pay the minimum to all

0:28:09.240 --> 0:28:12.280
<v Speaker 1>the debt on your list except for that smallest debt.

0:28:12.480 --> 0:28:15.240
<v Speaker 1>You're gonna give it it's minimum plus that twenty five

0:28:15.280 --> 0:28:17.639
<v Speaker 1>dollars you've set asign and then you're just going to

0:28:17.720 --> 0:28:20.399
<v Speaker 1>keep paying that every month until that smallest debt is

0:28:20.440 --> 0:28:22.879
<v Speaker 1>paid off. And now it might take three months, it

0:28:22.960 --> 0:28:26.600
<v Speaker 1>might take three years, and that's okay. And then once

0:28:26.640 --> 0:28:30.880
<v Speaker 1>you've paid off that debt, you roll over like a snowball.

0:28:30.920 --> 0:28:34.840
<v Speaker 1>You roll over those two payments to the second smallest

0:28:34.840 --> 0:28:37.080
<v Speaker 1>debt on your list. So the second smallest debt will

0:28:37.080 --> 0:28:39.760
<v Speaker 1>almost essentially get three payments in one. It's going to

0:28:39.840 --> 0:28:43.400
<v Speaker 1>get the first debt's minimum it's minimum plus that twenty

0:28:43.400 --> 0:28:46.479
<v Speaker 1>five dollars you found from your from your budget, and

0:28:46.560 --> 0:28:49.680
<v Speaker 1>so then you keep paying, paying, paying until that's paid off.

0:28:49.720 --> 0:28:52.520
<v Speaker 1>Then you roll over again. The third smallest debt gets

0:28:52.520 --> 0:28:55.520
<v Speaker 1>first debt's minimum, second debt's minimum it's minimum plus that

0:28:55.560 --> 0:28:57.760
<v Speaker 1>twenty five dollars. So the magic, the reason why they

0:28:57.800 --> 0:29:00.560
<v Speaker 1>call the snowball method is think about like the Bugs

0:29:00.560 --> 0:29:02.760
<v Speaker 1>Bunny or whatever cartoons, when the snowball would start at

0:29:02.800 --> 0:29:04.440
<v Speaker 1>the top of the hill and as it rolled it

0:29:04.480 --> 0:29:07.560
<v Speaker 1>got bigger. So as you roll down your debt hill,

0:29:08.280 --> 0:29:10.920
<v Speaker 1>you were going to be able to put bigger and

0:29:10.960 --> 0:29:14.680
<v Speaker 1>bigger amounts toward your towards your balances, because you'll be

0:29:14.680 --> 0:29:17.080
<v Speaker 1>collecting minimums along the way, like you collect snow on

0:29:17.120 --> 0:29:19.600
<v Speaker 1>the snowball. And so if you do that, that's what

0:29:19.640 --> 0:29:22.120
<v Speaker 1>I did. It took me. I had thirty five thousand

0:29:22.160 --> 0:29:24.960
<v Speaker 1>dollars in credit card debt, and when I was on unemployment,

0:29:25.000 --> 0:29:28.280
<v Speaker 1>it took me about three years to pay off that

0:29:28.360 --> 0:29:32.640
<v Speaker 1>debt slowly but surely, slowly but surely. So it is possible.

0:29:32.840 --> 0:29:35.400
<v Speaker 1>You're just gonna put You're gonna have to allocate. You

0:29:35.480 --> 0:29:38.160
<v Speaker 1>have to find something in your budget. I don't know

0:29:38.160 --> 0:29:42.560
<v Speaker 1>what kind of disability you have, but are there things

0:29:42.560 --> 0:29:44.920
<v Speaker 1>you can do? Can you do focus groups online? Can

0:29:44.960 --> 0:29:47.720
<v Speaker 1>you are? You don't because I know also with disability,

0:29:47.880 --> 0:29:51.000
<v Speaker 1>if you're collecting disability, then you're limited and like the

0:29:51.040 --> 0:29:52.800
<v Speaker 1>work that you can do, So I certainly don't want

0:29:52.800 --> 0:29:53.880
<v Speaker 1>to say.

0:29:54.240 --> 0:29:58.320
<v Speaker 2>Yeah. She doesn't specify exactly what kind of fixed income,

0:29:58.360 --> 0:30:00.360
<v Speaker 2>but she does allude to the fact that you know,

0:30:00.480 --> 0:30:02.440
<v Speaker 2>she can't work because of her health. So maybe it's

0:30:03.040 --> 0:30:07.160
<v Speaker 2>Social Security disability income of some kind because she can't work.

0:30:07.240 --> 0:30:10.200
<v Speaker 1>So maybe if you can't, like physically work, there might

0:30:10.200 --> 0:30:12.600
<v Speaker 1>be other like at home things you can do. Because

0:30:12.600 --> 0:30:15.719
<v Speaker 1>sometimes like I used to do, I don't do as

0:30:15.760 --> 0:30:17.480
<v Speaker 1>many I used to do, like focus groups and stuff,

0:30:17.480 --> 0:30:19.880
<v Speaker 1>and now more and more focus groups are digital so

0:30:19.960 --> 0:30:22.200
<v Speaker 1>to earn little a little extra money on the side,

0:30:22.240 --> 0:30:24.880
<v Speaker 1>So ask yourself, are there non physical things that you

0:30:24.920 --> 0:30:28.080
<v Speaker 1>can do to earn money while you're home? There's you know,

0:30:28.080 --> 0:30:31.560
<v Speaker 1>who is a great person to follow? Sandy Smith of

0:30:31.800 --> 0:30:34.040
<v Speaker 1>Yes I Am Cheap. I believe that's her website, Yes

0:30:34.080 --> 0:30:36.280
<v Speaker 1>I Am, or even sandysmith dot com where I am

0:30:36.680 --> 0:30:40.000
<v Speaker 1>Sandy s A n. D ysmith dot com. She actually

0:30:40.040 --> 0:30:42.520
<v Speaker 1>teaches all these different side hustles that you can do,

0:30:43.440 --> 0:30:46.200
<v Speaker 1>many of which you know don't require any physical labor.

0:30:46.280 --> 0:30:49.280
<v Speaker 1>So I would follow. I think like I said, I

0:30:49.320 --> 0:30:52.600
<v Speaker 1>think it's I Am Sandy Smith or Yes I Am Cheap,

0:30:52.880 --> 0:30:55.160
<v Speaker 1>and look for her side hustle. She has a Facebook

0:30:55.160 --> 0:30:58.520
<v Speaker 1>group that she that she teaches people how to side hustle,

0:30:58.560 --> 0:30:59.960
<v Speaker 1>and she's a great resource.

0:31:00.720 --> 0:31:04.440
<v Speaker 2>I I love the snowball method. I think that that

0:31:04.480 --> 0:31:07.000
<v Speaker 2>has been proven to work for so so so many

0:31:07.040 --> 0:31:10.320
<v Speaker 2>people and with a normal I don't know about normal question,

0:31:10.400 --> 0:31:13.040
<v Speaker 2>but without that many details what I what I hear?

0:31:13.080 --> 0:31:15.680
<v Speaker 2>You know, the crux of the issue is fixed income,

0:31:15.920 --> 0:31:18.880
<v Speaker 2>you know, depend no matter what the source is, it's

0:31:18.960 --> 0:31:22.560
<v Speaker 2>not going to change. And twenty thousand dollars of debt

0:31:22.680 --> 0:31:25.760
<v Speaker 2>sounds like a lot. And we don't know anything about

0:31:26.280 --> 0:31:29.560
<v Speaker 2>how much income you get or if you have any assets.

0:31:29.600 --> 0:31:32.200
<v Speaker 2>Already you say you don't have any property. I'm guessing

0:31:32.200 --> 0:31:34.720
<v Speaker 2>if you had me would have said something. Honestly, I'm wondering,

0:31:34.760 --> 0:31:38.360
<v Speaker 2>why not just file bankruptcy? Like twenty k in debt

0:31:38.560 --> 0:31:41.120
<v Speaker 2>with no means to pay it, in a fixed income

0:31:41.200 --> 0:31:44.240
<v Speaker 2>with no hopes of increasing like that, to me is

0:31:44.320 --> 0:31:46.640
<v Speaker 2>just what bankruptcy was made for. And I don't think

0:31:46.680 --> 0:31:51.320
<v Speaker 2>they're shame in that. And I personally, I'm like, I

0:31:51.320 --> 0:31:53.120
<v Speaker 2>think there's two ways to go about it that Well,

0:31:53.160 --> 0:31:55.240
<v Speaker 2>obviously there's two ways, either pay off the debt or

0:31:55.280 --> 0:31:59.000
<v Speaker 2>you don't. But I would say, you know, bankruptcy is

0:31:59.040 --> 0:32:02.600
<v Speaker 2>also an option, and to start that conversation, you know,

0:32:02.640 --> 0:32:05.520
<v Speaker 2>you could reach out to a credit counselor through a

0:32:05.560 --> 0:32:08.240
<v Speaker 2>nonprofit like the NFCC. We can put a link to

0:32:08.240 --> 0:32:10.920
<v Speaker 2>that in the show notes and and see you know

0:32:11.000 --> 0:32:14.800
<v Speaker 2>what that is like. But Bankruptcy is such a scary

0:32:14.880 --> 0:32:17.440
<v Speaker 2>word and there's so much I guess there's a lot

0:32:17.480 --> 0:32:19.760
<v Speaker 2>of stigma. I don't know personally, I don't have a

0:32:19.760 --> 0:32:21.840
<v Speaker 2>stigma against it. I know people very close to me

0:32:21.880 --> 0:32:24.760
<v Speaker 2>who have had to file bankruptcy and there's no shame. Uh,

0:32:24.920 --> 0:32:30.680
<v Speaker 2>it's it's it's literally just what was provided to citizens

0:32:30.680 --> 0:32:33.840
<v Speaker 2>as well as corporations when simply you do not have

0:32:33.880 --> 0:32:37.320
<v Speaker 2>the means to handle, you know, the debts that you have.

0:32:37.400 --> 0:32:40.760
<v Speaker 2>And it could be a case where maybe this debt

0:32:40.840 --> 0:32:44.520
<v Speaker 2>was a crude prior to you know, becoming disabled or

0:32:44.560 --> 0:32:48.080
<v Speaker 2>prior to you know, needing to live on a fixed income,

0:32:48.120 --> 0:32:50.240
<v Speaker 2>and in that case, it's just you know, well, well

0:32:50.280 --> 0:32:52.720
<v Speaker 2>that's that's the that's the hand that was dealt, and

0:32:52.760 --> 0:32:56.040
<v Speaker 2>now you need to take advantage of the resources to

0:32:56.400 --> 0:32:57.120
<v Speaker 2>take it out of it.

0:32:57.280 --> 0:32:59.840
<v Speaker 1>Mm hmm. Just be mindful with, you know, applying for bankruptcy,

0:32:59.840 --> 0:33:03.120
<v Speaker 1>cause sometimes they they really want you to have like

0:33:03.160 --> 0:33:07.280
<v Speaker 1>next to nothing left over. So but yeah, I think

0:33:07.640 --> 0:33:10.200
<v Speaker 1>Mandy's right that there's you have to do what's best

0:33:10.240 --> 0:33:12.160
<v Speaker 1>for you at the end of the day, and if

0:33:12.400 --> 0:33:14.440
<v Speaker 1>with if you're fixed, depending how much you might not

0:33:14.520 --> 0:33:17.560
<v Speaker 1>have any money left over, that might be your only

0:33:17.600 --> 0:33:18.440
<v Speaker 1>option right now.

0:33:18.640 --> 0:33:22.360
<v Speaker 2>Yeah, but we'll post I can post some links definitely

0:33:22.400 --> 0:33:24.200
<v Speaker 2>to the snowball, because people get that confused with the

0:33:24.200 --> 0:33:27.440
<v Speaker 2>avalanche all the time. There's all these different debt snow

0:33:28.160 --> 0:33:33.240
<v Speaker 2>escape analogies, and then some links to bankruptcy resources, and

0:33:33.400 --> 0:33:36.280
<v Speaker 2>certainly if there's you know, I don't know what where

0:33:36.320 --> 0:33:38.280
<v Speaker 2>exactly you live. You don't mention the state, but there

0:33:38.280 --> 0:33:41.040
<v Speaker 2>could be some state based resources too to help with

0:33:41.120 --> 0:33:43.480
<v Speaker 2>credit counseling, you know, to kind of get at least

0:33:43.640 --> 0:33:46.520
<v Speaker 2>conversation going about, you know, those options and weighing the

0:33:46.560 --> 0:33:50.360
<v Speaker 2>pros and cons. Well, thank you very much for your question.

0:33:50.400 --> 0:33:53.200
<v Speaker 2>What did I call her? Brandy? Brandy? Thanks for your question.

0:33:54.280 --> 0:33:56.720
<v Speaker 2>All right, let's take another one. This one, Oh yeah,

0:33:56.760 --> 0:33:59.080
<v Speaker 2>this one comes from the gram Let me get back. Okay,

0:33:59.440 --> 0:34:03.239
<v Speaker 2>let's see du Gabby, Yes, Gabby, all right, Gabby has

0:34:03.240 --> 0:34:05.720
<v Speaker 2>an interesting question. She's only twenty five years old and

0:34:05.760 --> 0:34:08.560
<v Speaker 2>she's about to graduate from grad school and has a

0:34:08.640 --> 0:34:13.719
<v Speaker 2>question about weighing different job opportunities. Okay, So Gabby says,

0:34:13.760 --> 0:34:16.120
<v Speaker 2>I'm twenty five and I'm graduating from grad school with

0:34:16.200 --> 0:34:20.480
<v Speaker 2>two master's degree. Damn girl, Criminal justice and Public Administration

0:34:21.040 --> 0:34:23.120
<v Speaker 2>I've been in the job market and I just received

0:34:23.120 --> 0:34:26.680
<v Speaker 2>an offer to work as a research and administrative associate

0:34:26.680 --> 0:34:30.600
<v Speaker 2>for a small black owned business consulting firm. It seems great,

0:34:31.280 --> 0:34:35.000
<v Speaker 2>they're offering me what I asked fifty K. But since then,

0:34:35.440 --> 0:34:38.080
<v Speaker 2>since interviewing with them, I've gotten feedback from my peers

0:34:38.080 --> 0:34:41.360
<v Speaker 2>that I may have undervalued myself. It's hard to tell

0:34:41.840 --> 0:34:44.799
<v Speaker 2>these things because I'm currently earning thirty seven K, which

0:34:44.800 --> 0:34:49.480
<v Speaker 2>feels embarrassingly low, but I've also been living that student life.

0:34:49.960 --> 0:34:51.800
<v Speaker 2>I have a week to get back to their offer.

0:34:52.600 --> 0:34:54.759
<v Speaker 2>So here's that's not the first That's just the first

0:34:54.800 --> 0:34:57.440
<v Speaker 2>part of her question. So fifty k feeling undervalue, she

0:34:57.480 --> 0:35:00.960
<v Speaker 2>has one week to do something about it. What comes next?

0:35:01.320 --> 0:35:03.640
<v Speaker 2>Like any new grad, she's not just interviewed one place,

0:35:03.680 --> 0:35:06.640
<v Speaker 2>but multiple. She says, I've also interviewed for a corporate

0:35:06.880 --> 0:35:09.960
<v Speaker 2>analyst position at my current job, and I think that

0:35:10.040 --> 0:35:12.279
<v Speaker 2>interview went very well, but it was only a couple

0:35:12.320 --> 0:35:15.480
<v Speaker 2>of days ago. I feel that the corporate position has

0:35:15.480 --> 0:35:18.360
<v Speaker 2>the potential to offer more money than my current offer,

0:35:18.440 --> 0:35:21.560
<v Speaker 2>but do I chance it and turn down the other offer.

0:35:22.120 --> 0:35:24.400
<v Speaker 2>In their interview, they said they hadn't settled on the salary,

0:35:24.440 --> 0:35:27.040
<v Speaker 2>yet as a position is brand new, there's so many

0:35:27.040 --> 0:35:29.920
<v Speaker 2>things to consider, and I'm happy to have an offer,

0:35:30.520 --> 0:35:34.440
<v Speaker 2>but I'm so stressed out. What do you suggest I.

0:35:34.440 --> 0:35:37.080
<v Speaker 1>Would be stressed out? Honestly, look, maybe I'm like looking

0:35:37.120 --> 0:35:38.719
<v Speaker 1>like girl, I'm looking at you like I don't know.

0:35:40.800 --> 0:35:43.040
<v Speaker 2>Well, I mean it's not if you think about it, like,

0:35:43.120 --> 0:35:45.719
<v Speaker 2>it's not. Yes, it's salaries. But you know, if this

0:35:45.840 --> 0:35:49.120
<v Speaker 2>were I don't know, an offer for a book deal

0:35:49.320 --> 0:35:55.200
<v Speaker 2>or a speaking engagement, you know, and you maybe had negotiated,

0:35:55.640 --> 0:35:58.120
<v Speaker 2>you know, one offer, and then another publisher or you

0:35:58.160 --> 0:36:00.640
<v Speaker 2>know event you know, came to you with second offer,

0:36:00.680 --> 0:36:04.560
<v Speaker 2>and like the second offer could be more, but you

0:36:04.560 --> 0:36:06.520
<v Speaker 2>know it's not a done deal yet, and the other

0:36:06.520 --> 0:36:09.239
<v Speaker 2>one is like ready to extend you an offer. It's

0:36:09.280 --> 0:36:12.640
<v Speaker 2>like it's almost It reminds me I briefly watched Supermarket

0:36:12.719 --> 0:36:16.080
<v Speaker 2>Sweeps and that wasn't I remember watching that as a kid,

0:36:16.080 --> 0:36:18.640
<v Speaker 2>but I guess I forgot anyway, Leslie Jones is the host,

0:36:18.640 --> 0:36:21.760
<v Speaker 2>and it's pretty hilarious, and I guess during the show,

0:36:22.320 --> 0:36:24.279
<v Speaker 2>you you have to run and find the products based

0:36:24.280 --> 0:36:26.719
<v Speaker 2>on a clue, and then at a certain point she's like,

0:36:26.840 --> 0:36:30.160
<v Speaker 2>wait a second, either you can take this twenty five

0:36:30.200 --> 0:36:33.239
<v Speaker 2>thousand dollars or you can get the next clue. And

0:36:33.280 --> 0:36:34.880
<v Speaker 2>you have to make a decision. You know, what are

0:36:34.880 --> 0:36:37.520
<v Speaker 2>you willing to risk? Are you willing to take the

0:36:37.560 --> 0:36:40.759
<v Speaker 2>safe route get the money that's certain, or are you

0:36:40.800 --> 0:36:44.759
<v Speaker 2>willing to wait and you know, see what's come down

0:36:44.760 --> 0:36:47.600
<v Speaker 2>the line, knowing that you could lose everything. And it's

0:36:47.640 --> 0:36:49.600
<v Speaker 2>just that like game show stress, you know.

0:36:50.320 --> 0:36:52.640
<v Speaker 1>What would you do? I know me, I'm like, I'm

0:36:52.680 --> 0:36:55.839
<v Speaker 1>a risk averse, but I would hope that I would

0:36:55.880 --> 0:36:58.840
<v Speaker 1>go back to the first offer because it sounds like

0:36:58.840 --> 0:37:01.640
<v Speaker 1>you seemed excited about it and just say hi, after

0:37:01.719 --> 0:37:04.400
<v Speaker 1>doing a little research. I want to push back a

0:37:04.440 --> 0:37:07.239
<v Speaker 1>little and say blah blah blah blah blah, like I

0:37:07.520 --> 0:37:09.160
<v Speaker 1>you know, I don't know what your friends or what

0:37:09.200 --> 0:37:11.680
<v Speaker 1>your research has found. Push back and say that, because

0:37:11.800 --> 0:37:14.560
<v Speaker 1>if they've made you an offer, they're interested. Here's the thing.

0:37:14.680 --> 0:37:17.120
<v Speaker 1>The worst thing they can say is, uh, this is

0:37:17.120 --> 0:37:20.160
<v Speaker 1>as much as we're able, you know. But then the

0:37:20.239 --> 0:37:23.080
<v Speaker 1>offer I'm assuming would still stand, right, Mandy, is it's

0:37:23.080 --> 0:37:24.960
<v Speaker 1>not standard. If I were to come back and ask

0:37:25.040 --> 0:37:27.000
<v Speaker 1>for more than you'd be like, well, it's off the table. Altogether.

0:37:27.640 --> 0:37:30.080
<v Speaker 2>I actually just was talking to a good friend of mine.

0:37:30.120 --> 0:37:33.000
<v Speaker 2>She was applying for a job, and she was really

0:37:33.000 --> 0:37:35.080
<v Speaker 2>really excited, and I was like, you better negotiate, and

0:37:35.120 --> 0:37:37.719
<v Speaker 2>she sent them an email asking for more and it

0:37:37.760 --> 0:37:39.960
<v Speaker 2>was like a Friday afternoon, and she sweated it the

0:37:39.960 --> 0:37:42.520
<v Speaker 2>whole weekend. She's like, I haven't heard back, and I've

0:37:42.560 --> 0:37:44.400
<v Speaker 2>been in that position so many times, and I know

0:37:44.440 --> 0:37:47.880
<v Speaker 2>exactly what's happening. It's a company, so that person who's

0:37:47.960 --> 0:37:50.640
<v Speaker 2>hiring or doing the recruiting has to ask for approval,

0:37:50.719 --> 0:37:53.799
<v Speaker 2>and it's a Friday afternoon, so they can't just you know,

0:37:53.880 --> 0:37:55.600
<v Speaker 2>get a response right away, so it's going to have

0:37:55.600 --> 0:37:58.120
<v Speaker 2>to wait till Monday. Also, they're on the West coast,

0:37:58.120 --> 0:38:01.120
<v Speaker 2>so that at a few hours, not Monday afternoon, maybe

0:38:01.239 --> 0:38:03.440
<v Speaker 2>late afternoon, you might hear back. And I think that

0:38:03.560 --> 0:38:06.560
<v Speaker 2>helped her because you have to remember, at least in

0:38:06.560 --> 0:38:09.320
<v Speaker 2>my experience, people on the other end of the negotiating table,

0:38:09.719 --> 0:38:12.000
<v Speaker 2>like they have, you know, corporate stuff to do too,

0:38:12.000 --> 0:38:13.640
<v Speaker 2>and they also have a job to do on top

0:38:13.719 --> 0:38:17.240
<v Speaker 2>of recruiting. So sometimes it's going slow, not because they're

0:38:17.320 --> 0:38:20.840
<v Speaker 2>thinking negatively about your ask, but because they just have to,

0:38:21.440 --> 0:38:23.920
<v Speaker 2>you know, dot their i's and cross their te's, and

0:38:24.200 --> 0:38:26.560
<v Speaker 2>they're not always the most transparent about that, so you're

0:38:26.680 --> 0:38:29.399
<v Speaker 2>kind of the last to know what's happening on their end.

0:38:29.880 --> 0:38:32.960
<v Speaker 2>In this case, here's what I'll say. You are like,

0:38:32.960 --> 0:38:35.440
<v Speaker 2>you're early in the job market, and I do think

0:38:36.040 --> 0:38:39.120
<v Speaker 2>that setting yourself up, you know, at the highest salary

0:38:39.160 --> 0:38:41.600
<v Speaker 2>you can get. Obviously everyone wants that, but you want

0:38:41.640 --> 0:38:44.160
<v Speaker 2>to be careful about your first job. I believe because

0:38:44.320 --> 0:38:46.759
<v Speaker 2>you know it really it can be the foundation that

0:38:46.840 --> 0:38:48.520
<v Speaker 2>kind of can give you the lift through your career.

0:38:48.520 --> 0:38:50.600
<v Speaker 2>And it can also you know, we're in we're in

0:38:50.800 --> 0:38:54.359
<v Speaker 2>troubling times right now, and if you go in at

0:38:54.400 --> 0:38:57.400
<v Speaker 2>a at a lower pay grade that you know, it

0:38:57.440 --> 0:39:00.360
<v Speaker 2>may take you a long time to get up to

0:39:00.400 --> 0:39:03.400
<v Speaker 2>where maybe your peers would have been in a better economy,

0:39:03.880 --> 0:39:05.799
<v Speaker 2>just because companies may not have the money for the

0:39:05.800 --> 0:39:07.800
<v Speaker 2>while and maybe more conservative for a while and whatnot.

0:39:07.920 --> 0:39:10.759
<v Speaker 2>So at the same time, the fact that you're interviewing me,

0:39:10.800 --> 0:39:13.520
<v Speaker 2>and if you got too interested, you know two companies

0:39:13.520 --> 0:39:14.920
<v Speaker 2>that are interested in you, including the one that you're

0:39:14.920 --> 0:39:20.480
<v Speaker 2>working for. I I say weight, which may seem like

0:39:20.640 --> 0:39:22.560
<v Speaker 2>not in line with what you guys think of me.

0:39:22.600 --> 0:39:26.080
<v Speaker 2>Being risk adverse. But I do think that the first job,

0:39:26.239 --> 0:39:28.440
<v Speaker 2>you sound excited about it, but you have to you

0:39:28.440 --> 0:39:29.960
<v Speaker 2>have to put down in paper what it is that

0:39:29.960 --> 0:39:32.320
<v Speaker 2>you're excited about. Is it the potential for a paycheck?

0:39:32.719 --> 0:39:35.239
<v Speaker 2>Is it because you feel wanted and you you know,

0:39:35.320 --> 0:39:38.400
<v Speaker 2>you feel needed. I bet if you went back to

0:39:38.440 --> 0:39:41.200
<v Speaker 2>them and let me like think about this. But I

0:39:41.239 --> 0:39:45.040
<v Speaker 2>believe in transparency. And if you tell that other job, hey,

0:39:45.520 --> 0:39:48.680
<v Speaker 2>I'm really excited to work with you, but I'm actually

0:39:48.719 --> 0:39:52.440
<v Speaker 2>in active conversations with my current employer, and here's the

0:39:52.480 --> 0:39:55.960
<v Speaker 2>reasons why. I just want to be frank with you.

0:39:55.960 --> 0:39:59.400
<v Speaker 2>You know, I I do feel and it'd be a

0:39:59.400 --> 0:40:01.880
<v Speaker 2>lot easier actually had an offer from your current employer.

0:40:01.960 --> 0:40:04.080
<v Speaker 2>So what you may want to do is just say, hey,

0:40:04.120 --> 0:40:06.160
<v Speaker 2>I know you said I have a week, but I

0:40:06.520 --> 0:40:09.000
<v Speaker 2>want to be transparent and I want to let you

0:40:09.080 --> 0:40:11.239
<v Speaker 2>know that I potentially may have an offer from my

0:40:11.280 --> 0:40:14.240
<v Speaker 2>current employer and the salary is really what my sticking

0:40:14.280 --> 0:40:17.239
<v Speaker 2>point is. And if that's the case, I mean, why

0:40:17.239 --> 0:40:20.040
<v Speaker 2>not be transparent. If they really really like you, they

0:40:20.120 --> 0:40:22.400
<v Speaker 2>might meet you at that salary. They might say okay,

0:40:22.440 --> 0:40:25.800
<v Speaker 2>we'll increase it by five K, but then they might say, Okay,

0:40:25.920 --> 0:40:28.080
<v Speaker 2>well we need to know now, like if we give

0:40:28.120 --> 0:40:30.799
<v Speaker 2>you the extra you know, five ten k whatever you're

0:40:30.800 --> 0:40:33.640
<v Speaker 2>looking for, then you know we're going to push up

0:40:33.680 --> 0:40:36.160
<v Speaker 2>the timeline and you have to take this job. That

0:40:36.480 --> 0:40:39.520
<v Speaker 2>so you have to kind of decide if they were

0:40:39.560 --> 0:40:41.759
<v Speaker 2>to meet your salary, would you then take it or

0:40:41.760 --> 0:40:43.960
<v Speaker 2>would you still want to wait? And if you're still

0:40:44.000 --> 0:40:45.759
<v Speaker 2>not in the boat where you would take it, I

0:40:46.360 --> 0:40:48.560
<v Speaker 2>feel like, are you that excited about it, you know?

0:40:49.280 --> 0:40:52.640
<v Speaker 2>Or should you wait? You certainly don't have to take

0:40:52.640 --> 0:40:55.040
<v Speaker 2>the first job offer that comes your way. And I've

0:40:55.080 --> 0:40:57.200
<v Speaker 2>been in the position where I've given someone a job

0:40:57.239 --> 0:41:00.279
<v Speaker 2>offer and they've turned me down because they were, you know,

0:41:00.719 --> 0:41:02.920
<v Speaker 2>because I was the first person they had talked to.

0:41:03.120 --> 0:41:06.000
<v Speaker 2>And I think they were smart to wait until they

0:41:06.000 --> 0:41:08.240
<v Speaker 2>found an offer that was that was right for them.

0:41:08.440 --> 0:41:11.240
<v Speaker 2>And it sounds like you're working now, so the pressure

0:41:11.280 --> 0:41:14.040
<v Speaker 2>may not be as intense for you to just find

0:41:14.320 --> 0:41:16.960
<v Speaker 2>a job, any job, the same way I had to do,

0:41:17.040 --> 0:41:19.480
<v Speaker 2>you know, when I was job hunting after being laid

0:41:19.480 --> 0:41:22.359
<v Speaker 2>off in the recession and all that. And maybe maybe

0:41:22.360 --> 0:41:24.680
<v Speaker 2>you want to take your time and even if you

0:41:24.760 --> 0:41:27.360
<v Speaker 2>tell the other job like, forget about telling them that

0:41:27.400 --> 0:41:29.600
<v Speaker 2>you're talking to your current employer. Like let's say you

0:41:29.680 --> 0:41:32.960
<v Speaker 2>just say, hey, I actually need a lot more time

0:41:32.960 --> 0:41:34.759
<v Speaker 2>to I need more time than a week to think

0:41:34.800 --> 0:41:38.600
<v Speaker 2>about this because you know, excuse me, the salary is

0:41:38.640 --> 0:41:41.680
<v Speaker 2>not what I was expecting or this. I would prefer,

0:41:41.880 --> 0:41:43.840
<v Speaker 2>you know, to have what I'm looking for is X

0:41:43.960 --> 0:41:46.000
<v Speaker 2>number and then say, you know, if you can give

0:41:46.000 --> 0:41:48.480
<v Speaker 2>me a little bit of extra time, I can really

0:41:48.480 --> 0:41:50.640
<v Speaker 2>think about my budget and what I'm going to need

0:41:50.680 --> 0:41:52.960
<v Speaker 2>and tell you and give you my answer in two

0:41:52.960 --> 0:41:56.120
<v Speaker 2>weeks or something like that, and then maybe that will

0:41:56.160 --> 0:41:57.799
<v Speaker 2>give you time to figure out what's happening with your

0:41:57.840 --> 0:42:02.919
<v Speaker 2>current job. But ultimately, when you decide, you know, if

0:42:02.920 --> 0:42:05.239
<v Speaker 2>you like them or not, you just need to or

0:42:05.480 --> 0:42:07.680
<v Speaker 2>you know whether either way you need to tell them

0:42:07.680 --> 0:42:11.799
<v Speaker 2>the truth and be ready to walk away and let

0:42:11.840 --> 0:42:14.520
<v Speaker 2>them go on and find someone else, or just tell them, hey,

0:42:14.800 --> 0:42:16.400
<v Speaker 2>I'm ready to jump, but it's the money. And if

0:42:16.440 --> 0:42:18.600
<v Speaker 2>they can't meet you, then get your answer and you know,

0:42:18.800 --> 0:42:21.640
<v Speaker 2>then walk away. It's also complicated.

0:42:21.680 --> 0:42:24.280
<v Speaker 1>I know it is, but you know what it seems

0:42:24.480 --> 0:42:28.480
<v Speaker 1>like they she was really excited about it also being

0:42:28.480 --> 0:42:32.480
<v Speaker 1>a black owned business. Yeah, yeah, yeah.

0:42:33.239 --> 0:42:36.160
<v Speaker 2>And I get that I know it's it's like and

0:42:36.200 --> 0:42:38.520
<v Speaker 2>you do have to think about it's a big corporation.

0:42:38.600 --> 0:42:41.760
<v Speaker 2>Maybe there's more money, but it's money. Everything that matters.

0:42:42.080 --> 0:42:45.080
<v Speaker 2>Money does matter. But I would say if you're looking

0:42:45.120 --> 0:42:47.400
<v Speaker 2>at like you're early in your career and you know

0:42:47.480 --> 0:42:49.920
<v Speaker 2>your career field better than I do, I don't know

0:42:50.000 --> 0:42:53.919
<v Speaker 2>exactly what feel it is you know something I don't

0:42:53.920 --> 0:42:58.120
<v Speaker 2>know criminal justice and public administration where her master's degrees.

0:42:58.160 --> 0:43:01.799
<v Speaker 2>But if you're like at a small business, you do

0:43:01.880 --> 0:43:04.520
<v Speaker 2>have a lot more opportunity to rise. You have maybe

0:43:04.560 --> 0:43:07.360
<v Speaker 2>opportunity for growth, and maybe it's an opportunity and you

0:43:07.360 --> 0:43:10.000
<v Speaker 2>should ask these questions in your interview. You know, is

0:43:10.080 --> 0:43:11.840
<v Speaker 2>there is there a career track?

0:43:11.920 --> 0:43:12.160
<v Speaker 1>Is there?

0:43:12.480 --> 0:43:14.480
<v Speaker 2>You know, what's the next step for me? How can

0:43:14.520 --> 0:43:16.880
<v Speaker 2>I how can I grow here? And maybe they're more

0:43:16.960 --> 0:43:19.600
<v Speaker 2>nimble than at the big corporation where maybe those there's

0:43:19.600 --> 0:43:22.120
<v Speaker 2>more red tape or you know it takes more time

0:43:22.160 --> 0:43:24.960
<v Speaker 2>to move up. Uh, you know, deal it out. But

0:43:25.040 --> 0:43:28.120
<v Speaker 2>there's there's pros and cons to small and large, and

0:43:28.160 --> 0:43:30.319
<v Speaker 2>I think you'll probably work for both over the course

0:43:30.360 --> 0:43:33.359
<v Speaker 2>of your career. I certainly have you work for one

0:43:33.440 --> 0:43:36.160
<v Speaker 2>you find out, Oh, I don't like small corporations for

0:43:36.360 --> 0:43:38.919
<v Speaker 2>or small businesses for this reason. Then you go look

0:43:38.960 --> 0:43:41.120
<v Speaker 2>for what you don't like or what you what you

0:43:41.160 --> 0:43:43.120
<v Speaker 2>didn't like in another company that you do like, and

0:43:43.800 --> 0:43:47.360
<v Speaker 2>you learn new things about you know, the bad sides

0:43:47.400 --> 0:43:49.799
<v Speaker 2>of working for a big corporation, and then you just

0:43:49.920 --> 0:43:53.839
<v Speaker 2>keep bouncing around until you find it's. Honestly, it's just

0:43:53.920 --> 0:43:56.680
<v Speaker 2>like dating, like except with except they pay you to

0:43:56.680 --> 0:43:59.480
<v Speaker 2>do it, which is nice.

0:43:59.360 --> 0:44:02.759
<v Speaker 1>Yeah, but no, but I mean, I remember, remember I

0:44:02.760 --> 0:44:05.200
<v Speaker 1>told you my first offer, Mandy, and I was a

0:44:05.400 --> 0:44:09.120
<v Speaker 1>teaching preschool and I remember it was in Plainfield, and

0:44:09.160 --> 0:44:10.400
<v Speaker 1>I think they offered me, I want to say, she

0:44:10.440 --> 0:44:13.440
<v Speaker 1>offered me like thirty two thousand, and she was like,

0:44:13.480 --> 0:44:15.680
<v Speaker 1>here's the chart. Here's what it shows with you know,

0:44:15.719 --> 0:44:18.240
<v Speaker 1>you have your bachelors and you have zero years of experience,

0:44:18.239 --> 0:44:20.239
<v Speaker 1>and that's thirty two thousand. That's the chart. That's what

0:44:20.280 --> 0:44:22.480
<v Speaker 1>the state says. And I was like, okay, well you know,

0:44:22.520 --> 0:44:24.680
<v Speaker 1>cause I'm twenty, I'm like, that's the chart. I make

0:44:24.719 --> 0:44:28.040
<v Speaker 1>thirty two. And then I told my dad and he

0:44:28.080 --> 0:44:33.000
<v Speaker 1>was like, well, I have like the I'm the CEO

0:44:33.360 --> 0:44:35.600
<v Speaker 1>or executive director of a nonprofit in Newark and we

0:44:35.640 --> 0:44:38.920
<v Speaker 1>have a couple of centers if you're wanting to teach preschool,

0:44:39.160 --> 0:44:42.520
<v Speaker 1>and we could pay you thirty nine. I was like, oh, well, shoot,

0:44:42.520 --> 0:44:43.960
<v Speaker 1>because it was preschool, I was going to teach in

0:44:43.960 --> 0:44:47.960
<v Speaker 1>Plainfield as well. So I went back to the Plainfield CEO,

0:44:48.160 --> 0:44:50.400
<v Speaker 1>lady of the of the of the of the school

0:44:50.760 --> 0:44:53.680
<v Speaker 1>or principal or whatever, and I was like, oh, you know, hey,

0:44:53.719 --> 0:44:55.120
<v Speaker 1>thank you so much, but I'm going to decline. And

0:44:55.160 --> 0:44:56.600
<v Speaker 1>she's like, can I ask why? I said, well, I

0:44:56.600 --> 0:44:59.879
<v Speaker 1>got to offer for thirty nine thousand to teach as well.

0:45:00.320 --> 0:45:03.040
<v Speaker 1>And she's like, oh, well, I can't give you thirty six.

0:45:03.920 --> 0:45:06.440
<v Speaker 1>I was like, wait, what you know? I was so

0:45:06.480 --> 0:45:08.120
<v Speaker 1>confused because you know, I'm twenty. I'm like, no, but

0:45:08.160 --> 0:45:10.960
<v Speaker 1>the chart, the chart said, I saw the chart. You

0:45:11.239 --> 0:45:13.359
<v Speaker 1>gave me the chart. You can't give me thirty six.

0:45:13.920 --> 0:45:15.360
<v Speaker 1>And she was like and I said that. I was like,

0:45:15.360 --> 0:45:18.279
<v Speaker 1>but I don't understand like I thought the chart. She's like, no, no, no, Well,

0:45:18.280 --> 0:45:19.840
<v Speaker 1>we have like other parts of the budget that I

0:45:19.840 --> 0:45:22.600
<v Speaker 1>can used to enhance it. And I just remember being like,

0:45:22.760 --> 0:45:29.240
<v Speaker 1>you crafty witch, But it taught me a valuable lesson

0:45:29.760 --> 0:45:32.840
<v Speaker 1>and the reason why is And so she was like, no,

0:45:32.920 --> 0:45:34.520
<v Speaker 1>I really want you to teach here. And I was

0:45:34.600 --> 0:45:38.360
<v Speaker 1>like why because I you before, like for a teacher anyway,

0:45:38.400 --> 0:45:40.759
<v Speaker 1>then I used to come to the classroom and then

0:45:40.800 --> 0:45:42.520
<v Speaker 1>they would like observe me teaching and stuff. And plus,

0:45:42.520 --> 0:45:44.120
<v Speaker 1>you know, I was young and full of energy. And

0:45:44.200 --> 0:45:46.840
<v Speaker 1>she had a son that was three, and she's like,

0:45:46.840 --> 0:45:49.120
<v Speaker 1>I really wanted him to be in your class because

0:45:49.280 --> 0:45:51.319
<v Speaker 1>I could tell you're an excellent teacher. You love it,

0:45:51.320 --> 0:45:53.839
<v Speaker 1>you love the kids, and you have great energy. And

0:45:53.920 --> 0:45:57.120
<v Speaker 1>I was like, so the chart. So what it taught

0:45:57.160 --> 0:46:01.120
<v Speaker 1>me though, was that you know, there is money oftentimes

0:46:01.160 --> 0:46:03.280
<v Speaker 1>if they want to. Now I mean as a business

0:46:03.320 --> 0:46:05.840
<v Speaker 1>owner myself, now, sometimes like that's just our budget, you know,

0:46:06.480 --> 0:46:11.239
<v Speaker 1>but their concessions are made, you know. So you know,

0:46:11.360 --> 0:46:13.640
<v Speaker 1>if you are really loving that first job, something about

0:46:13.640 --> 0:46:16.479
<v Speaker 1>it excites you ask for more because you know, maybe

0:46:16.520 --> 0:46:18.319
<v Speaker 1>they showed you the chart, but there's more money that

0:46:18.320 --> 0:46:20.319
<v Speaker 1>they can squeeze if they really they really want you.

0:46:20.400 --> 0:46:22.160
<v Speaker 1>So I just want to give you that little piece

0:46:22.160 --> 0:46:24.800
<v Speaker 1>of help because I'm not someone I'm someone who's nervous

0:46:24.800 --> 0:46:27.160
<v Speaker 1>about asking for more. But that taught me a lesson,

0:46:27.239 --> 0:46:29.120
<v Speaker 1>Like girls, sometimes I got a little pocket of money

0:46:29.160 --> 0:46:29.640
<v Speaker 1>on the other.

0:46:29.520 --> 0:46:33.040
<v Speaker 2>Side, absolutely, and I definitely think you should go back

0:46:33.080 --> 0:46:36.120
<v Speaker 2>and tell them that you, you know, have talked to

0:46:36.160 --> 0:46:39.400
<v Speaker 2>peers and you think a fairer salary whatever your benchmarking

0:46:39.440 --> 0:46:41.359
<v Speaker 2>it is. And I won't get too into it, but

0:46:41.400 --> 0:46:44.160
<v Speaker 2>I've also learned that the whole world of benchmarking salaries

0:46:44.160 --> 0:46:47.520
<v Speaker 2>and deciding what a certain position is worth versus you know,

0:46:47.640 --> 0:46:51.000
<v Speaker 2>not worth in another position, it's all so random, and

0:46:51.040 --> 0:46:52.719
<v Speaker 2>the people who do it, I'm just like, how do

0:46:52.800 --> 0:46:55.440
<v Speaker 2>you how do you figure all this out? There's no

0:46:55.520 --> 0:46:58.080
<v Speaker 2>rhyme or reason. Often the benchmark is just like, oh,

0:46:58.200 --> 0:47:01.000
<v Speaker 2>this is what most people told me make and that

0:47:01.239 --> 0:47:03.319
<v Speaker 2>is how we're going to benchmark this. And they'll move

0:47:03.360 --> 0:47:06.439
<v Speaker 2>it up and down depending. So, you know, I think

0:47:06.480 --> 0:47:09.960
<v Speaker 2>you're in a You're in a really exciting position. You

0:47:10.080 --> 0:47:11.840
<v Speaker 2>just have to weigh the pros and cons and you

0:47:11.920 --> 0:47:14.759
<v Speaker 2>sound really thoughtful. So literally write the things down. What

0:47:14.960 --> 0:47:18.160
<v Speaker 2>is good about this job? What is good about that job? Benefits?

0:47:18.520 --> 0:47:23.200
<v Speaker 2>You know, flexibility, time off, health, all those good things.

0:47:23.280 --> 0:47:25.359
<v Speaker 2>Is there a four one K match all those core

0:47:25.480 --> 0:47:30.240
<v Speaker 2>questions beyond just based compensation. Yeah, and before I before

0:47:30.280 --> 0:47:32.440
<v Speaker 2>I stop rambling, because I love talking about this stuff.

0:47:32.719 --> 0:47:35.440
<v Speaker 2>I will say, you know, to your current employer if

0:47:35.440 --> 0:47:37.879
<v Speaker 2>they really want to, I think they need to know.

0:47:38.160 --> 0:47:40.680
<v Speaker 2>I actually prefer I love to know if my I

0:47:40.680 --> 0:47:42.960
<v Speaker 2>would love to know if one of my direct reports was,

0:47:43.560 --> 0:47:46.040
<v Speaker 2>you know, thinking about another offer, because I'm going to

0:47:46.120 --> 0:47:49.840
<v Speaker 2>go immediately to HR. You know, uh, review process be

0:47:49.960 --> 0:47:52.040
<v Speaker 2>damned and promotion process be damned, and be like, yo,

0:47:52.239 --> 0:47:54.439
<v Speaker 2>they're they may be leaving, give me money to keep

0:47:54.480 --> 0:47:57.640
<v Speaker 2>them and then you know, see what happens. Then I

0:47:57.640 --> 0:48:00.759
<v Speaker 2>I you know, if you're a really employed interviewing with

0:48:00.760 --> 0:48:04.920
<v Speaker 2>your employers, say them, hey, I actually am interviewing because

0:48:04.960 --> 0:48:07.840
<v Speaker 2>you guys know I'm graduating soon and I potentially have

0:48:07.880 --> 0:48:10.799
<v Speaker 2>an offer. I'm excited about what's your timeline like? And

0:48:11.040 --> 0:48:14.160
<v Speaker 2>that is not to Tiffany's earlier point, that's not difficult.

0:48:14.400 --> 0:48:17.360
<v Speaker 2>That's not being difficult. It's not being rude, it's being honest.

0:48:17.719 --> 0:48:19.600
<v Speaker 2>And it also like you don't have time to waste.

0:48:19.600 --> 0:48:22.399
<v Speaker 2>Neither do they. So maybe they're just like, oh, maybe

0:48:22.400 --> 0:48:24.759
<v Speaker 2>you're off through the holiday, then we'll come back and

0:48:24.800 --> 0:48:28.359
<v Speaker 2>we'll have time to interview Gabby for this job. But

0:48:28.840 --> 0:48:30.680
<v Speaker 2>you don't got time. You have to tell this other

0:48:30.760 --> 0:48:33.279
<v Speaker 2>job before the holiday. So that's just you know, being

0:48:33.320 --> 0:48:35.239
<v Speaker 2>honest and giving them a chance to fight for you. Right.

0:48:35.360 --> 0:48:40.040
<v Speaker 2>So I'm I like honesty, and I hate game playing,

0:48:40.080 --> 0:48:42.520
<v Speaker 2>and I hate all that crap that goes with the

0:48:42.560 --> 0:48:45.879
<v Speaker 2>interview process. So I say, put your best foot forward,

0:48:46.000 --> 0:48:50.319
<v Speaker 2>be honest and open with anyone that you're should. I say,

0:48:50.320 --> 0:48:53.120
<v Speaker 2>courting is not even a word anymore. People say courting,

0:48:53.320 --> 0:48:57.440
<v Speaker 2>courting flirting with talking to, talking to. That's what the

0:48:57.480 --> 0:48:58.160
<v Speaker 2>kids say today.

0:48:58.520 --> 0:48:59.960
<v Speaker 1>Yeah, well no they don't say talking to. I think

0:49:00.160 --> 0:49:02.480
<v Speaker 1>what did they say? It is just something else. Talking

0:49:02.520 --> 0:49:04.120
<v Speaker 1>to is what we used to say back in my day.

0:49:04.520 --> 0:49:06.680
<v Speaker 1>It's something else they say. But whatever, what's old is

0:49:06.719 --> 0:49:11.560
<v Speaker 1>new whenever I saw all right, well, thank you, thank

0:49:11.560 --> 0:49:14.759
<v Speaker 1>you Gaby for your interesting question, and thanks y'all again.

0:49:14.840 --> 0:49:17.520
<v Speaker 1>You can hit us up on Instagram. We're at Brandomission

0:49:17.560 --> 0:49:24.560
<v Speaker 1>podcast or email Brandimission Podcast at gmail, dot com, dot com.

0:49:24.600 --> 0:49:28.279
<v Speaker 1>All right, you wanted to boost a break? Yes? Is

0:49:28.320 --> 0:49:32.080
<v Speaker 1>she going boost? Is she going break? Is you going break?

0:49:32.239 --> 0:49:33.640
<v Speaker 2>Oh? I'm gonna tell you as soon as I read

0:49:33.680 --> 0:49:36.680
<v Speaker 2>my notes. Oh we're gonna keep going. Sorry, go ahead, no, no, no,

0:49:36.560 --> 0:49:38.360
<v Speaker 2>that's all ry I. If you want, I can go

0:49:38.640 --> 0:49:40.560
<v Speaker 2>fizzors no, yes, please do.

0:49:41.239 --> 0:49:45.319
<v Speaker 1>I am going to boost I've boosted them before, but

0:49:45.440 --> 0:49:47.840
<v Speaker 1>especially now we've had like such a crazy up and

0:49:47.880 --> 0:49:50.080
<v Speaker 1>down years. I really want to boost my Unicorn squad

0:49:50.120 --> 0:49:55.560
<v Speaker 1>because that is my team. It's about twenty five sixty

0:49:55.560 --> 0:49:59.480
<v Speaker 1>seven eight of us depending, but they're amazing. Of course

0:49:59.480 --> 0:50:02.640
<v Speaker 1>there's my business partner, Gabrill, but largely the team is

0:50:02.719 --> 0:50:06.280
<v Speaker 1>ninety five percent women women of color, the black women,

0:50:06.360 --> 0:50:08.799
<v Speaker 1>to be clear, not not everyone's a black woman, but most.

0:50:09.320 --> 0:50:12.080
<v Speaker 1>And I call them unicorns because they make magic happen

0:50:12.120 --> 0:50:15.920
<v Speaker 1>every day and so they're amazing. You know, my Unicorn squad.

0:50:15.960 --> 0:50:19.000
<v Speaker 1>And by the time that this comes out, you will

0:50:19.040 --> 0:50:23.600
<v Speaker 1>have already got your bonuses. Yes, girl. So here's the thing.

0:50:23.920 --> 0:50:28.400
<v Speaker 2>This my accessor for This is the first year that

0:50:29.000 --> 0:50:29.839
<v Speaker 2>I feel.

0:50:29.640 --> 0:50:33.000
<v Speaker 1>So because in total, all of my companies made just

0:50:33.040 --> 0:50:34.359
<v Speaker 1>over ten million dollars this year.

0:50:35.040 --> 0:50:38.960
<v Speaker 2>And all of my company, she said, she doesn't include

0:50:38.960 --> 0:50:40.920
<v Speaker 2>brand amission that go to brands store dot com and

0:50:40.960 --> 0:50:41.560
<v Speaker 2>get your mech.

0:50:42.000 --> 0:50:46.160
<v Speaker 1>Yes, get your brother, so we can't get these coins.

0:50:46.280 --> 0:50:48.120
<v Speaker 1>So normally I do like we would do when I

0:50:48.120 --> 0:50:50.360
<v Speaker 1>first first started the business, I would like actually just

0:50:50.360 --> 0:50:52.200
<v Speaker 1>buy them presents because it was maybe like five of us,

0:50:52.239 --> 0:50:54.080
<v Speaker 1>and I would just mail them out and then it

0:50:54.080 --> 0:50:56.240
<v Speaker 1>would be like, okay, you know, like one hundred dollars bonus,

0:50:56.280 --> 0:50:58.360
<v Speaker 1>and then a two hundred and two fifty, then five hundred.

0:50:58.560 --> 0:51:01.480
<v Speaker 1>So this year we had our first like I guess,

0:51:01.520 --> 0:51:03.239
<v Speaker 1>I don't want to call official bonus, but this is

0:51:03.280 --> 0:51:04.799
<v Speaker 1>how we did our bonus this year, and I'm just

0:51:04.800 --> 0:51:07.439
<v Speaker 1>so proud of it. It was we set aside five

0:51:07.480 --> 0:51:10.799
<v Speaker 1>percent of our net income or net profit, so that

0:51:10.920 --> 0:51:15.239
<v Speaker 1>means in total, we made, you know, ten million. And

0:51:15.320 --> 0:51:17.480
<v Speaker 1>then let's just say, I'm pretending I'm making up numbers.

0:51:17.560 --> 0:51:19.799
<v Speaker 1>We spent six million to make the ten million, So

0:51:20.040 --> 0:51:25.759
<v Speaker 1>spent meaning payroll, websites, tex support, all the things that

0:51:25.800 --> 0:51:28.239
<v Speaker 1>it costs to run a company, let's and marketing. Let's

0:51:28.280 --> 0:51:30.399
<v Speaker 1>just pretend it was six million. So that left over

0:51:30.480 --> 0:51:32.520
<v Speaker 1>four million. Like I said, I'm making up these numbers.

0:51:32.600 --> 0:51:35.000
<v Speaker 1>These numbers are not correct. So what we did, we

0:51:35.040 --> 0:51:37.880
<v Speaker 1>said five percent of that four million is what we

0:51:38.000 --> 0:51:42.000
<v Speaker 1>call our bonus pool. And so the bonus pool now

0:51:42.280 --> 0:51:47.440
<v Speaker 1>is everyone in the company that is a full time employee,

0:51:47.440 --> 0:51:51.719
<v Speaker 1>part time employee, or contractor not consultant a contractor. They

0:51:51.760 --> 0:51:54.919
<v Speaker 1>can participate in the bonus pool. And the way we

0:51:55.040 --> 0:51:58.600
<v Speaker 1>navigated the bonus pool is whatever percentage of whatever percentage

0:51:58.600 --> 0:52:01.839
<v Speaker 1>of your pay is come from our payroll pool, that's

0:52:01.880 --> 0:52:03.840
<v Speaker 1>the percentage you get of the bonus pool. So let's

0:52:03.840 --> 0:52:07.080
<v Speaker 1>just say you know, you're you know right now, you're

0:52:07.080 --> 0:52:10.640
<v Speaker 1>getting two percent of If payroll is one hundred thousand

0:52:10.680 --> 0:52:13.359
<v Speaker 1>dollars a year, let's just pretend and you get two

0:52:13.360 --> 0:52:14.840
<v Speaker 1>percent of that, then you get two percent of the

0:52:14.880 --> 0:52:16.880
<v Speaker 1>bonus pool. So that's how we kind of match this.

0:52:16.920 --> 0:52:20.120
<v Speaker 2>That's a lot. But I know for people they're like, yes, money.

0:52:20.080 --> 0:52:23.640
<v Speaker 1>Yes, right then, So that because I want I wanted

0:52:23.960 --> 0:52:28.480
<v Speaker 1>math because to me, transparency and business, especially internally is critical.

0:52:28.600 --> 0:52:31.719
<v Speaker 1>So I really wanted math that people can math themselves like, oh,

0:52:31.760 --> 0:52:34.040
<v Speaker 1>because we show them the company made this amount great,

0:52:34.920 --> 0:52:37.640
<v Speaker 1>then we spent this amount, great, this is what's left over. Great.

0:52:37.800 --> 0:52:40.560
<v Speaker 1>Multiply this time is five percent awesome, here's the bonus pool.

0:52:40.640 --> 0:52:43.480
<v Speaker 1>Then we tell you your percentage of our current payroll

0:52:43.560 --> 0:52:46.960
<v Speaker 1>is two percent, So multiply the bonus pool times two percent.

0:52:47.040 --> 0:52:52.520
<v Speaker 1>That's your piece. And so today we are we're well.

0:52:52.560 --> 0:52:54.080
<v Speaker 1>By the time you guys hear they'll have already gotten

0:52:54.080 --> 0:52:56.480
<v Speaker 1>their bonuses they land tomorrow on Tuesday, and this comes

0:52:56.480 --> 0:52:58.880
<v Speaker 1>out Wednesday. But I'm excited because some people are getting

0:52:58.880 --> 0:53:04.040
<v Speaker 1>five figure bonuses, man, Like, it's amazing. It just doing

0:53:04.080 --> 0:53:07.759
<v Speaker 1>it this way ensures that we are able to give

0:53:07.840 --> 0:53:11.400
<v Speaker 1>bonuses that are healthy but maintain the health of the

0:53:11.400 --> 0:53:15.960
<v Speaker 1>company because we're giving money from from the excess, you know,

0:53:16.080 --> 0:53:18.080
<v Speaker 1>So it's not like like, you know, so if we

0:53:18.200 --> 0:53:21.120
<v Speaker 1>only made one hundred thousand, even though we technically made

0:53:21.160 --> 0:53:23.920
<v Speaker 1>a million, they would only get bonuses as a percentage

0:53:23.960 --> 0:53:26.400
<v Speaker 1>of that hundred thousand. And so this this method of

0:53:26.440 --> 0:53:28.560
<v Speaker 1>doing it, like I said, for people to get you know,

0:53:29.080 --> 0:53:32.760
<v Speaker 1>like like really healthy five figure bone. No one's bonuses

0:53:32.800 --> 0:53:35.560
<v Speaker 1>under four figures. It just feels really good. I mean

0:53:35.600 --> 0:53:38.440
<v Speaker 1>some people's bonuses is three times what their monthly pay is.

0:53:38.840 --> 0:53:40.520
<v Speaker 1>So it just feels really good to give like a

0:53:40.680 --> 0:53:44.640
<v Speaker 1>really like solid bonus. We've been able to like maintain

0:53:44.640 --> 0:53:47.239
<v Speaker 1>our staff the whole year. We haven't had to let

0:53:47.280 --> 0:53:49.440
<v Speaker 1>anybody go as far as because of financial Some people

0:53:49.640 --> 0:53:51.360
<v Speaker 1>might maybe we let go be just because you know,

0:53:51.440 --> 0:53:53.759
<v Speaker 1>the project was done or whatever, but we haven't had

0:53:53.800 --> 0:53:56.680
<v Speaker 1>to let anyone go. We've given raises to everyone this year,

0:53:57.440 --> 0:54:00.439
<v Speaker 1>and to be able to give like a really great bone.

0:54:00.120 --> 0:54:03.360
<v Speaker 1>This is because the team deserves. They work so hard,

0:54:03.719 --> 0:54:05.759
<v Speaker 1>they put so much effort. I wish you guys could

0:54:05.800 --> 0:54:08.440
<v Speaker 1>see how much they care about the women y'all that

0:54:08.520 --> 0:54:11.640
<v Speaker 1>we serve, how much time they put in, how much

0:54:11.640 --> 0:54:13.480
<v Speaker 1>work they put it. I mean, they're relentless. I have

0:54:13.520 --> 0:54:16.080
<v Speaker 1>to tell them to take breaks. We're actually I'm considering

0:54:16.120 --> 0:54:20.120
<v Speaker 1>implementing a forced vacation to say, like, you know, you

0:54:20.160 --> 0:54:22.239
<v Speaker 1>get up to whatever number of weeks, but you must

0:54:22.320 --> 0:54:24.880
<v Speaker 1>take at least five days a year or whatever, because

0:54:25.120 --> 0:54:26.840
<v Speaker 1>they work so hard on your behalf. And I just

0:54:26.840 --> 0:54:29.680
<v Speaker 1>wanted to, like, you know, do something I always tell them,

0:54:29.719 --> 0:54:32.719
<v Speaker 1>but I wanted to also show them tangibly, like, hey,

0:54:33.480 --> 0:54:35.440
<v Speaker 1>here's what it looks like this year. I've just grown

0:54:35.480 --> 0:54:38.680
<v Speaker 1>so much as a CEO of like structuring the business.

0:54:39.640 --> 0:54:42.880
<v Speaker 1>We're just more of a business now, you know, not

0:54:42.920 --> 0:54:45.000
<v Speaker 1>that we weren't before, but it's different when you reach

0:54:45.000 --> 0:54:47.520
<v Speaker 1>a certain level, Like we were a little lax in

0:54:47.560 --> 0:54:49.919
<v Speaker 1>some places as far as like the financials, like uh, wait,

0:54:50.040 --> 0:54:51.840
<v Speaker 1>we need to have a budget for the year. Wait,

0:54:51.880 --> 0:54:54.880
<v Speaker 1>we need to so creating all of these things. And

0:54:55.440 --> 0:54:58.239
<v Speaker 1>so I'm excited because now we know, every April we'll

0:54:58.280 --> 0:55:01.600
<v Speaker 1>do raises based upon you know performance, and then every

0:55:02.480 --> 0:55:05.839
<v Speaker 1>December we do bonuses based upon the company's performance. So

0:55:05.960 --> 0:55:09.239
<v Speaker 1>I love that the bonuses, that what you make is

0:55:10.040 --> 0:55:13.359
<v Speaker 1>based upon what we do collectively, but also what you

0:55:13.400 --> 0:55:16.400
<v Speaker 1>do individually. To me, that's really important that you're honored

0:55:16.400 --> 0:55:18.480
<v Speaker 1>as an individual, but then you're also honored for what

0:55:18.520 --> 0:55:20.719
<v Speaker 1>you bring to the table collectively. So I just want

0:55:20.719 --> 0:55:22.200
<v Speaker 1>to shop to you know, cornch squad. By now, your

0:55:22.200 --> 0:55:24.440
<v Speaker 1>money should have hit hit. I hope you're as excited

0:55:24.480 --> 0:55:26.640
<v Speaker 1>as I am. I can't wait to our team meeting tonight.

0:55:26.680 --> 0:55:29.319
<v Speaker 1>We're just having a quick our last meeting of the

0:55:29.400 --> 0:55:32.320
<v Speaker 1>year and it's just a highlight meeting. I want everyone

0:55:32.320 --> 0:55:33.879
<v Speaker 1>to just say one of the highlights for the year,

0:55:33.920 --> 0:55:37.560
<v Speaker 1>and then we end with sharing everybody. Well, obviously your

0:55:37.560 --> 0:55:40.040
<v Speaker 1>bonus is private. We're gonna be slacking everybody individually. There

0:55:40.200 --> 0:55:42.800
<v Speaker 1>their bonuses. So I can't wait.

0:55:43.719 --> 0:55:47.279
<v Speaker 2>Oh, it's exciting. I can't well, I can't wait, but

0:55:47.280 --> 0:55:49.080
<v Speaker 2>I can't wait for them because I know that's exciting

0:55:49.440 --> 0:55:52.520
<v Speaker 2>and really quickly I will share my bron Wait what

0:55:52.640 --> 0:55:54.719
<v Speaker 2>is it my notes? We're my notes? Oh boost, So

0:55:54.920 --> 0:55:57.440
<v Speaker 2>for last minute shoppers like myself. I don't know. My

0:55:57.480 --> 0:56:01.480
<v Speaker 2>analysis paralysis also applied to Christmas present this year, and

0:56:01.840 --> 0:56:03.799
<v Speaker 2>something like a lightning bulb went off, and I'm like,

0:56:04.040 --> 0:56:07.880
<v Speaker 2>small businesses they need our support. So and also because

0:56:08.400 --> 0:56:10.719
<v Speaker 2>none of my family is here, none of my you know,

0:56:10.840 --> 0:56:13.759
<v Speaker 2>blood family. That sounds terrible. My my husband's family is

0:56:13.800 --> 0:56:16.280
<v Speaker 2>my family. Blah blah blah. They don't listen anyway, It's fine.

0:56:16.840 --> 0:56:19.600
<v Speaker 2>My family in different states is like and shipping is

0:56:19.600 --> 0:56:22.920
<v Speaker 2>so slow, like there, you know, people are sending packages

0:56:23.000 --> 0:56:25.160
<v Speaker 2>now that may not even get there till after Christmas.

0:56:25.200 --> 0:56:28.439
<v Speaker 2>So what I decided to do is I'm digging through

0:56:28.440 --> 0:56:30.560
<v Speaker 2>my memory and my texts and all kinds of like

0:56:30.680 --> 0:56:32.680
<v Speaker 2>email and stuff to figure out where these people, like,

0:56:32.680 --> 0:56:36.440
<v Speaker 2>where my relatives have loved shopping or eating or whatever.

0:56:36.480 --> 0:56:38.160
<v Speaker 2>And then I'm just getting gift cards. And then I'm

0:56:38.200 --> 0:56:41.839
<v Speaker 2>thinking two birds, one stone. So Christmas gift idea if

0:56:41.840 --> 0:56:44.080
<v Speaker 2>you want to support local businesses who need your help

0:56:44.160 --> 0:56:46.800
<v Speaker 2>more than ever given today's times and the fact that

0:56:46.840 --> 0:56:49.920
<v Speaker 2>places are shutting down again, and you want to, you know,

0:56:50.000 --> 0:56:52.600
<v Speaker 2>get some stuff off your Christmas list and be thoughtful

0:56:52.640 --> 0:56:55.200
<v Speaker 2>and get all those you know, boxes ticked. Support your

0:56:55.239 --> 0:56:58.839
<v Speaker 2>local business so like restaurants. I'm even trying to get

0:56:58.920 --> 0:57:01.279
<v Speaker 2>husband to like find a lot local hardware store because

0:57:01.280 --> 0:57:04.680
<v Speaker 2>he's determined to get my little brother a drill for Christmas.

0:57:04.719 --> 0:57:07.320
<v Speaker 2>For some reason, he thinks my brother is a drill.

0:57:07.960 --> 0:57:10.440
<v Speaker 2>But I'm like, is there like a I don't know,

0:57:10.800 --> 0:57:14.759
<v Speaker 2>just a small hardware store of Atlanta anyway. Yeah, So

0:57:14.920 --> 0:57:17.480
<v Speaker 2>shut out to small businesses and try to lift them up,

0:57:18.000 --> 0:57:20.240
<v Speaker 2>you know however you can this holiday season.

0:57:22.240 --> 0:57:23.840
<v Speaker 1>I love that because you're right. I think that's a

0:57:23.880 --> 0:57:25.920
<v Speaker 1>great idea. I did do a lot of my shopping

0:57:26.000 --> 0:57:28.920
<v Speaker 1>via small businesses because you know, you're right. It's just

0:57:29.880 --> 0:57:31.520
<v Speaker 1>it just and I you know, and maybe what we

0:57:31.560 --> 0:57:33.320
<v Speaker 1>can do because I know we could. You know, sometimes

0:57:33.360 --> 0:57:36.520
<v Speaker 1>I shout out, like my favorite Instagram accounts that we're following,

0:57:36.560 --> 0:57:38.680
<v Speaker 1>but it might be nice that when we come across

0:57:38.720 --> 0:57:42.439
<v Speaker 1>things to shout out, like a small business that we

0:57:42.600 --> 0:57:46.680
<v Speaker 1>that we really like. You know, Yeah, I'll give you one.

0:57:46.760 --> 0:57:51.560
<v Speaker 1>So my skin has been on fleaky fleek. And one

0:57:51.600 --> 0:57:54.560
<v Speaker 1>of the reasons why is this company called the butter

0:57:54.640 --> 0:57:59.720
<v Speaker 1>Bar Skin Skincare. Honestly, their stuff is amazing because I

0:57:59.800 --> 0:58:01.880
<v Speaker 1>have I don't know, I guess we all have combo

0:58:01.920 --> 0:58:04.080
<v Speaker 1>skin or whatever. But I was like, just like with age,

0:58:04.120 --> 0:58:06.400
<v Speaker 1>I just I don't know my skin what used to

0:58:06.400 --> 0:58:08.720
<v Speaker 1>work for wasn't working. But I have found because I

0:58:08.720 --> 0:58:11.200
<v Speaker 1>have very sensitive skin, I break out very easily. But

0:58:11.720 --> 0:58:14.600
<v Speaker 1>all this stuff is supernatural. It does take some weeks

0:58:14.640 --> 0:58:16.919
<v Speaker 1>to get because they literally make it. When it gets there,

0:58:17.120 --> 0:58:19.040
<v Speaker 1>I put it in the refrigerator because it's all natural.

0:58:19.600 --> 0:58:21.760
<v Speaker 1>It's a little pricey. I'm not gonna lie, but it's

0:58:21.840 --> 0:58:25.960
<v Speaker 1>a sister owned and operated operation. They're out of Atlanta, Georgia.

0:58:26.040 --> 0:58:28.640
<v Speaker 1>But their stuff is amazing, amazing, amazing, and I saw

0:58:28.640 --> 0:58:34.520
<v Speaker 1>a difference instantly. So the butter the butter whatever. What

0:58:34.600 --> 0:58:37.920
<v Speaker 1>did I say, butter bar, Yes, the butter Bar skin care,

0:58:37.920 --> 0:58:40.560
<v Speaker 1>and I believe that they're the butter bar on ig.

0:58:40.840 --> 0:58:43.840
<v Speaker 1>But they have so many discounts and like right now

0:58:43.960 --> 0:58:47.080
<v Speaker 1>they have forty percent off with closed out VIP using

0:58:47.080 --> 0:58:48.840
<v Speaker 1>that code or whatever. They're not I'm not they don't

0:58:48.880 --> 0:58:50.800
<v Speaker 1>give me no money. I'm just sharing because I love

0:58:50.840 --> 0:58:54.400
<v Speaker 1>to see a black business that is doing good work

0:58:54.480 --> 0:58:57.840
<v Speaker 1>and and their you know, their product is amazing. So

0:58:57.920 --> 0:59:01.680
<v Speaker 1>that is my little shout out for for small business,

0:59:01.680 --> 0:59:03.480
<v Speaker 1>black small business, black brown small business.

0:59:04.000 --> 0:59:08.280
<v Speaker 2>I love it all right. Well, the gift card that

0:59:08.320 --> 0:59:09.960
<v Speaker 2>I got, well, I won't say he doesn't listen to

0:59:10.040 --> 0:59:13.080
<v Speaker 2>the show, but whatever. My favorite small business in Queens

0:59:13.080 --> 0:59:15.080
<v Speaker 2>that I used to shop at all the times called Lockwood,

0:59:15.200 --> 0:59:17.520
<v Speaker 2>and they have different locations around New York now around

0:59:17.520 --> 0:59:20.400
<v Speaker 2>the boroughs, so and they ship I actually got those

0:59:20.440 --> 0:59:23.120
<v Speaker 2>funny what are they called the candles that you have

0:59:23.240 --> 0:59:25.160
<v Speaker 2>like around the house, but they have like a little

0:59:25.400 --> 0:59:28.840
<v Speaker 2>icons on them, you know, like Kendrick Lamar candle and

0:59:28.880 --> 0:59:31.720
<v Speaker 2>a JK Rowling candle and an AOC candle what are

0:59:31.720 --> 0:59:33.560
<v Speaker 2>they called? Anyway, I got my brother a couple of

0:59:33.560 --> 0:59:35.920
<v Speaker 2>those from Lockwood. But it's a cute kind of little

0:59:36.400 --> 0:59:38.880
<v Speaker 2>It's gifts that are nice and good quality, but that

0:59:39.000 --> 0:59:41.600
<v Speaker 2>no one would probably buy for themselves. So I would

0:59:41.680 --> 0:59:43.840
<v Speaker 2>check out Lockwood if you want to support a local

0:59:43.880 --> 0:59:46.200
<v Speaker 2>business in Queens, my old home away from home.

0:59:46.680 --> 0:59:47.480
<v Speaker 1>Oh, I love it.

0:59:47.880 --> 0:59:50.040
<v Speaker 2>Yeah, And I guess we haven't even talked about when

0:59:50.040 --> 0:59:51.720
<v Speaker 2>our last show of twenty twenty is going to be,

0:59:51.720 --> 0:59:52.720
<v Speaker 2>but I guess next week.

0:59:53.680 --> 0:59:55.240
<v Speaker 1>Yeah, yes, I.

0:59:55.200 --> 0:59:57.440
<v Speaker 2>Guess you want to do it?

0:59:58.000 --> 1:00:01.920
<v Speaker 1>You the boss, the boss for sure. I just love

1:00:02.000 --> 1:00:04.959
<v Speaker 1>this show and I just love that I always forget because,

1:00:04.960 --> 1:00:07.560
<v Speaker 1>like I said, it took me a while to remember, like, wait,

1:00:07.680 --> 1:00:10.320
<v Speaker 1>I'm not just talking to Mandy because you guys will

1:00:10.320 --> 1:00:12.720
<v Speaker 1>come up to me and be like, ooh, congratulations on something.

1:00:12.760 --> 1:00:15.760
<v Speaker 1>I'm like, I don't tell you there. Oh shit, it's

1:00:15.760 --> 1:00:17.880
<v Speaker 1>not just me and Mantra. And I love when I

1:00:17.960 --> 1:00:23.200
<v Speaker 1>see people like call you manjoin the comments, like I'm like, oh, well,

1:00:23.240 --> 1:00:23.640
<v Speaker 1>I think.

1:00:23.480 --> 1:00:25.240
<v Speaker 2>People are gonna come up to you wearing a mask

1:00:25.280 --> 1:00:27.440
<v Speaker 2>and a unicorn horn that they just pop on their

1:00:27.440 --> 1:00:29.840
<v Speaker 2>head and be like, excuse me, Yeah, it's me from

1:00:29.880 --> 1:00:30.600
<v Speaker 2>the zoom call.

1:00:30.640 --> 1:00:31.360
<v Speaker 1>I didn't get im.

1:00:31.360 --> 1:00:33.240
<v Speaker 2>I didn't get my slack message.

1:00:33.880 --> 1:00:35.880
<v Speaker 1>Yeah, that would be HILARI. Yeah, don't do that.

1:00:36.000 --> 1:00:38.640
<v Speaker 2>Okay, so no, but take.

1:00:38.520 --> 1:00:39.200
<v Speaker 1>That out of my cart.

1:00:39.200 --> 1:00:40.600
<v Speaker 2>Then all right, that's fine.

1:00:40.960 --> 1:00:43.640
<v Speaker 1>But yeah, how I mancha? Well, I bid you at

1:00:43.760 --> 1:00:46.480
<v Speaker 1>Zoo at zoong.

1:00:45.560 --> 1:00:48.640
<v Speaker 2>And you one more show of twenty twenty and then

1:00:48.680 --> 1:00:51.560
<v Speaker 2>let's put this year in the in the past where

1:00:51.680 --> 1:00:55.280
<v Speaker 2>she belongs. All right, take care, have a good all

1:00:55.320 --> 1:00:58.840
<v Speaker 2>teams meeting, all right, thank you after seven pm, God

1:00:58.880 --> 1:00:59.280
<v Speaker 2>bless you

1:01:01.600 --> 1:01:01.640
<v Speaker 1>To