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Speaker 1: Hey, Hey, ba fam, I have been waiting to tell you, guys.

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Speaker 1: I have been sitting on this news forever. But for

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Speaker 1: the first time in Brand Ambition history, we are going live, y'all.

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Speaker 1: We are going to be live from Newark, New Jersey.

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Speaker 1: It is all happening October tenth at six pm. If

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Speaker 1: you want to get tickets now, tickets are limited. We

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Speaker 1: picked the best venue. It's a historic black owned bookstore

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Speaker 1: in Newark, but seating is limited. This is going to

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Speaker 1: be an intimate evening with me and Tiffany live in person.

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Speaker 1: It may be the only chance y'all get I'm not

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Speaker 1: gonna lie to see us together live in twenty twenty four,

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Speaker 1: so please come get your tickets. We want to make

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Speaker 1: sure that the crowd is packed with true be a family. Okay,

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Speaker 1: So if you want to get tickets, run, don't walk.

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Speaker 1: Run to Brown Ambition podcast dot com to get the

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Speaker 1: link right there and let us know that you're coming.

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Speaker 1: Tag us, send us your receipts, send us your order.

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Speaker 1: Maybe we'll send you some BA wag. We'll have some

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Speaker 1: BA swag at the event. Even we are going to

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Speaker 1: be celebrating nine years of the show, y'all. Nine years.

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Speaker 1: We're like geriatric podcasters in the very best way. But

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Speaker 1: we cannot wait to see y'all in Newark. So go

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Speaker 1: ahead Brown Ambition podcast dot Com to get your tickets

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Speaker 1: to see me and Tiffany live for Brown Ambition Live

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Speaker 1: in Newark, New Jersey. It's all going down. Like I

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Speaker 1: said October tenth, get your tickets again at Brown Ambition

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Speaker 1: Podcast dot com.

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Speaker 2: Hey, hey, hey, we're back. We're black, We're Bread, Ambition.

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Speaker 1: Ambition, Amphibition, Ambition, Ambition. Hey, Madge, you Ambition and Denham today? Right?

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Speaker 2: Why are we deadim down? Like? Did you? Are?

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Speaker 1: You like?

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Speaker 2: Picking posts?

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Speaker 1: Probably because Beyonce posted a cryptic social media post about

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Speaker 1: Levi's jeans and I think.

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Speaker 2: Like you.

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Speaker 1: Know, No, I did not, girl, well me and your

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Speaker 1: friend Cabrell did, because I was.

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Speaker 2: We're seeing the comments acting the best.

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Speaker 1: No, no, no, I was, and he responded.

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Speaker 2: Oh love that cross, Like, hey, girls.

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Speaker 1: Something about ron Embisson before we before we start the show,

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Speaker 1: we make a plan, right, we know executly.

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Speaker 2: What we're gonna talk about.

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Speaker 1: We hit record and it's like whoa squirrel? Anyway, I'm

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Speaker 1: all miss you Okay. Whatever Beyonce posted, she's been she

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Speaker 1: likes to talk on social but doesn't actually say anything.

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Speaker 1: She just posts visuals like a picture there was like

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Speaker 1: a she was in Paris promoting her whiskey brand. Anyway,

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Speaker 1: it was just like I think it was just a

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Speaker 1: static image and there was no caption, and the image

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Speaker 1: just said something about something's laundrette, like sexy Levi's jeans

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Speaker 1: at a launderette. And I was like, like, are you

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Speaker 1: collaborating with Tide? Are we gonna have like an oxy

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Speaker 1: Clevin Yeah, like an oxy clean cowboy Carter, Like what

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Speaker 1: are we doing a line of Levi's jeans? Like what

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Speaker 1: is this visual? Are we getting in a music video?

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Speaker 1: And I was fed up? I was fed up, and

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Speaker 1: so I went in the comments and I was like,

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Speaker 1: just say something in the caption, like just right, just explain,

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Speaker 1: because some of us are still paying off you know,

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Speaker 1: not me particular, but a lot of Beyonce fans are

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Speaker 1: like still paying off their after pay you know, like

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Speaker 1: purchases of Sacred and Sir Davis whiskey and let's not

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Speaker 1: forget about the Renaissance tour whatever.

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Speaker 2: And then Cabral was like because it was that was

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Speaker 2: a bang.

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Speaker 1: Yeah, And I still don't know what the hell she

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Speaker 1: was talking about. But anyway, Cabral and I were both

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Speaker 1: annoyed by it, and he supported me.

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Speaker 2: What did he say?

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Speaker 1: He said something like, Mandy, she what did she want?

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Speaker 1: I'll tell you exactly what you said.

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Speaker 2: Oh on God, not my two friends in the comments

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Speaker 2: cutting out on the Beyonce.

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Speaker 1: I mean it's I always like seeing I like to

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Speaker 1: go to comments and if I see someone else post,

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Speaker 1: I think it's kind of funny. Also, it makes me

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Speaker 1: think about twice before I post. I'm like someone might

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Speaker 1: recognize me for these comments. Okay, he said, Mandy, is

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Speaker 1: she trying to play with our emotions?

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Speaker 2: Oh that's not what something was saying.

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Speaker 1: Listen, he was on his launch break. We just had

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Speaker 1: a little Are you threatened because I'm kicking with your friend?

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Speaker 2: Now we can share. I don't mind.

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Speaker 1: I'm sure you're his number one man. Well, you just

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Speaker 1: look like you just roll off of a private jet

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Speaker 1: after speaking to a stadium full of incredible women. What

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Speaker 1: is happening?

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Speaker 2: I wasn't a private jet and be so. This past

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Speaker 2: weekend I went to Women Evolve, which is one of

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Speaker 2: the largest women's conferences in the country. It was thirty

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Speaker 2: eight thous into women, I believe. And so it's Sarah

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Speaker 2: Jigs Roberts. So you know that that's the dart of

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Speaker 2: TD Jakes and Sarah's just this just phenomenal pastor leader

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Speaker 2: woman herself. And so I actually did the very first

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Speaker 2: Women Evolved. It was in Denver, Colorado years ago, I

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Speaker 2: want to say, maybe seven years ago or something like that.

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Speaker 2: So I did the first one and that was just

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Speaker 2: a couple thousand people, like a few thousand, but I

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Speaker 2: didn't even speak main stage. Then I did like a

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Speaker 2: workshop or something like that. You know, it was still

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Speaker 2: a lot of people, but you know, I didn't speak

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Speaker 2: main stage. But this time they're like, oh, we want

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Speaker 2: you to speak main stage, and I'm not gonna lie

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Speaker 2: to your mandy. I was like, okay, I don't know

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Speaker 2: what I was thinking, Like, I don't know. I didn't

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Speaker 2: I don't think I conceptualized what Maine stage meant. And

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Speaker 2: so the day of, like the day before like I

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Speaker 2: was to speak. So I landed on Wednesday. I spoke

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Speaker 2: on a Thursday. They're like, oh, we want you to

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Speaker 2: come to the you know location. So they put me

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Speaker 2: in a hotel that was next to the location. They

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Speaker 2: like come to the location, take a look around, but

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Speaker 2: also to do some press whatever. I said, Okay. So

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Speaker 2: I get there and I'm like, why is it like

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Speaker 2: a stadium, like you know, like I saw Beyonce as

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Speaker 2: a stadium stadium right, And I was like, okay, so

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Speaker 2: they're walking me around. I'm like, oh, so, like you know,

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Speaker 2: somebody was like I think I forget the pastor that

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Speaker 2: was preaching that morning when I was there, like just

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Speaker 2: observe a little bit, and they're like, oh, do you

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Speaker 2: want to like sit? I said no, because they told

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Speaker 2: me I have to do press in like thirty minutes.

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Speaker 2: I don't want to disturb people getting up and down.

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Speaker 2: So I just said, I don't know what Flora entered,

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Speaker 2: but you know, like how stadiums have the tears. I

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Speaker 2: was maybe midway up there were still more tears above

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Speaker 2: and tears below. So I'm just standing like looking over

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Speaker 2: and I said that that stays down there. That looks

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Speaker 2: real little because there's so many people in here who

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Speaker 2: goes be on that stage.

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Speaker 1: They're like, you, girl, I said, when I tell you,

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Speaker 1: I said, it's just the pit stats.

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Speaker 2: I couldn't believe I. I couldn't believe in I said, wait,

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Speaker 2: that is that the stage I'm speaking on tomorrow. I

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Speaker 2: kept asking. They're like, girl, yes see we how many times?

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Speaker 2: How many like this to say it? I'm like, yeah,

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Speaker 2: but that's that's like the stadium stage. That's like the Beyonce,

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Speaker 2: like Carter Giselle, Carter Nole's stage, Like pop your hip.

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Speaker 2: You know you look like an ant because I'm you know,

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Speaker 2: I'm not even at the top part like stage. And

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Speaker 2: they're like, yes, that's gonna be you. I said. With

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Speaker 2: other people, they're like, no, just you. I'm like the announcer,

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Speaker 2: They're like, no, just you.

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Speaker 1: I was like, this is when people have backup dancers.

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Speaker 3: Girl.

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Speaker 2: I couldn't believe it. And they were like, oh, by

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Speaker 2: the way, cause at first I thought I was doing

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Speaker 2: a panel. That's what it said in all the communications,

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Speaker 2: but apparently I was doing a twenty minute keynote.

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Speaker 1: Okay, so my lemon level, I'm excited. On the other level,

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Speaker 1: I'm like, did y'all not communicate? Girl? We did?

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Speaker 2: I looked at all the communications and I said it's

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Speaker 2: a panel. They're like, yeah, we thought about that, but

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Speaker 2: then no, we want you to do because basically a

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Speaker 2: twenty minute like financial tech X talk.

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Speaker 1: And when did you get this information the day before?

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Speaker 1: Is that before or after we chatted.

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Speaker 2: When you read I don't remember. I felt I got blacked out.

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Speaker 1: You were getting your makeup done and you sounded weird.

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Speaker 1: I was like, she sounds like she's I thought it

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Speaker 1: was because the makeup artist was there. She could hear me.

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Speaker 1: I'm like, oh, it's yeah.

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Speaker 3: No.

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Speaker 2: I probably was free because I'm not gonna lie. I

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Speaker 2: woke up that morning, Oh freaked out, yes, because I

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Speaker 2: was just like because one they told me the day before, like,

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Speaker 2: oh no, it's a text keynote, and I was like,

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Speaker 2: you know, I'm not going to stress about it today.

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Speaker 2: I'm going to try to USA. I'm gonna wake up

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Speaker 2: early to prep to prep for my text talk because

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Speaker 2: they want me to talk about like budgeting. I'm like, girl,

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Speaker 2: you know this is not new. You've talked about this

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Speaker 2: so many times, so many ways. Just wake up in

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Speaker 2: the morning, take one of your old presentations and practice it. Whatever.

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Speaker 2: I woke up and I was stressed. I didn't do anything,

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Speaker 2: so I think so I had woken up two hours

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Speaker 2: before the the you know, the makeup artist came, but

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Speaker 2: by then I had not done anything. I wasn't schedu

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Speaker 2: to speak till five, but I said, Tiffany, so I

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Speaker 2: think what you called. I was like really like wow,

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Speaker 2: so you speak in a few hours and you are

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Speaker 2: not prepared to speak in front of thirty eight thousand women,

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Speaker 2: and so I think I was kind of in my

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Speaker 2: head like a lot, and so you know, they I

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Speaker 2: had to go. I forget. They wanted me to do

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Speaker 2: some other sort of press or something, and thankfully I

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Speaker 2: had like a good two or three hour block before

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Speaker 2: and so I came back to the room and I

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Speaker 2: was just like, okay, Tiffany, block everyone else out and

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Speaker 2: I prepared, because it's there's a difference. There's one thing

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Speaker 2: speaking in front of a thousand people, like I just

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Speaker 2: did fourteen hundred people for the National Association of Black Glters.

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Speaker 2: But in that room, you know, you see faces, you

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Speaker 2: see not and you see yeah, you know, you hear

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Speaker 2: the voice, you know. But what I realized, and I'm

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Speaker 2: glad I got to go the day before. You know,

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Speaker 2: it freaked me out because it you can't actually hear anyone.

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Speaker 2: It's a weird phenomenon that you can hear the general

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Speaker 2: murmuring of a crowd but you can't hear the individual

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Speaker 2: like you know, like yes, Tiffany, it just sounds like,

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Speaker 2: oh you like So, so I realized that, like, it's

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Speaker 2: gonna be hard for me to get a gauge of

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Speaker 2: whether people are understanding and getting it. And so I

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Speaker 2: was like, I realized that, like with a crowd like this,

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Speaker 2: that murmuring is the only feedback I'm gonna get. So

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Speaker 2: I'm gonna need to infuse kind of some like call

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Speaker 2: and response into my presentation, like I talked to the

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Speaker 2: name of my talk was make your budget say yes,

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Speaker 2: and so throughout yes, right, So I was like, so

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Speaker 2: throughout I'd be like, wait, what did the budget say?

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Speaker 2: Was it no? They're like no, yes. So that was

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Speaker 2: like because I could get that feedback and yes kind

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Speaker 2: of sounds like something when you're up there, but even.

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Speaker 1: Like there's a noodle you say, but yeah, basically you

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Speaker 1: know that kind of thing.

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Speaker 2: It was like, but it's also there's an echo that's delayed,

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Speaker 2: so you're hearing yourself, you're kind of hearing the crowd.

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Speaker 2: It was not easy, you know, like because I you know, normally,

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Speaker 2: like I might say something like cute or funny, and

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Speaker 2: then I hear a laugh, but I didn't hear a laugh.

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Speaker 2: I'm like, yeah, because they haven't heard you yet. Girl,

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Speaker 2: it's got a verberate and so timing, I mean, all

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Speaker 2: in all, I wasn't sure how I did. I you

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Speaker 2: know when I was. I actually went Once I got

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Speaker 2: out there and I looked around, I realized I wasn't

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Speaker 2: as nervous because I can't see anybody. It's just dots.

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Speaker 2: So I wasn't as nervous actually as a smaller crowd,

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Speaker 2: because a smaller crowd, I see your face, I see you,

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Speaker 2: like what. So I was nervous, but not the level

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Speaker 2: of nervous you would think with that many people, because

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Speaker 2: at that point it's not people, they're just literally just dots.

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Speaker 2: And so I was able to just be like basically

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Speaker 2: there was like, you know some people like in the

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Speaker 2: front that I was like, well, it's me and U

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Speaker 2: Tasha in the front, girl, Like that's funny. And so

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Speaker 2: I actually was way more like, way more comfortable because

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Speaker 2: you know, there was just too many people to even conceptualize.

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Speaker 2: I thought I did okay because I couldn't, like I said,

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Speaker 2: get a gauge because the sound just sounds like so

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Speaker 2: I don't know. Yes, no, maybe it wasn't until I'm

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Speaker 2: so grateful for the people, which is that just yes,

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Speaker 2: a little. Yeah, it was a little. And because I

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Speaker 2: was nervous, I didn't tie myself like as I was

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Speaker 2: nervous that I was going to take too long, and

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Speaker 2: so I had like kind of like three parts. The

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Speaker 2: first part I went through it too quickly, and so

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Speaker 2: I actually ended I kind of was like wrapping up,

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Speaker 2: and I still had three more minutes, which is like

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Speaker 2: an Eterney.

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Speaker 1: One a nightmare girl.

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Speaker 2: So at the end, I literally said, well I'm done,

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Speaker 2: and then I was like that had agreed, and then

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Speaker 2: like I laughed and they laughed, and then I was like, well,

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Speaker 2: actually let me just leave you with one less encouraging word,

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Speaker 2: and then I did that. So because I was like,

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Speaker 2: I'm like, that's the same that Hillary Duff me like,

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Speaker 2: well thanks for talking thing.

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Speaker 1: I hope you, And I was like, because I had

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Speaker 1: a great time to wright.

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Speaker 2: So I just kind of like was walking on the

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Speaker 2: stage and I was like, oh, I give myself a

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Speaker 2: B minus C plus you know. But I will say

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Speaker 2: that what I really liked was so many people recorded

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Speaker 2: and posted on IG and I got to see myself

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Speaker 2: and I said, wow, it was more I guess epic.

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Speaker 2: Then I could physically see because to.

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Speaker 1: See great yourself like you yesn't present the attendee, which

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Speaker 1: may be totally different.

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Speaker 2: The girl I mean, and I can hear my I

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Speaker 2: was like okay, and I didn't look nervous like like

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Speaker 2: I although I felt it like you know, but looking

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Speaker 2: at like looking at the videos and I was like, oh, wow,

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Speaker 2: did you seem because I was like walking across the

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Speaker 2: stage look at people and I said, not you being

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Speaker 2: out of body and somehow like like so it just

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Speaker 2: it went like so much better than I thought, like

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Speaker 2: re looking at all the videos and everything else, like

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Speaker 2: it went so much better than I thought. So then

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Speaker 2: I gave myself a nice B plus a minus. And

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Speaker 2: I didn't look nervous at all, and I wore like

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Speaker 2: I'm so glad, like I I just I went to

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Speaker 2: this African street festival thing in Newark and I bought

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Speaker 2: this like dress by this African vendor that was like

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Speaker 2: African print. I had like these really like swirly sleeves

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Speaker 2: and I was like, you know, I think I'm gonna

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Speaker 2: wear this and what I liked about it too is

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Speaker 2: that you could. I could wear like my cute sandals

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Speaker 2: with it, so that way I didn't want to have

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Speaker 2: to wear heels. I'm like, I almost tripped coming up

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Speaker 2: the steps, so I was like, I'm glad I had

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Speaker 2: like my sandals on. So I felt very comfortable, and yeah,

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Speaker 2: it looked amazing. The makeup artist did her thing. I

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Speaker 2: told her this eight thirty am makeup actually has to

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Speaker 2: last me till tonight, and so it did. She did

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Speaker 2: such a good job with my face, so I felt

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Speaker 2: very comfortable. Thankfully, I had just gotten my hair retightened

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Speaker 2: because I had literally an afro with locks, and the

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Speaker 2: night before my Katab who tightens my hair, was like, hey,

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Speaker 2: are you free? So thankfully, I mean, because what you

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Speaker 2: don't want to do? You know, you're because little You're

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Speaker 2: like this little ant on the stage and then they

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Speaker 2: have the big the big prompters and so it's like

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Speaker 2: all up in your face. So everybody would have seen

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Speaker 2: my fro, my undone hair on the edge, and so it's.

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Speaker 1: Just me, I need to go on your own.

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Speaker 2: It was just well I put it. I made it

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Speaker 2: a highlight. So we're obviously gonna do some posts and

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Speaker 2: stuff too. So you'll you know, in the next week

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Speaker 2: or so today tomorrow. But I made it a highlight,

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Speaker 2: but it just I don't think I still have fully

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Speaker 2: absorbed like the epicness of that, you know, because I

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Speaker 2: was sitting backstage and I said, Tiffany, there are like

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Speaker 2: forty thousand women out there and you're you look like.

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Speaker 1: A fucking African goddess. The hair, I love it, it's

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Speaker 1: like off the shoulder.

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Speaker 2: Yes, yeah, I just I still haven't absorbed it because

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Speaker 2: I'm like you, all the people, do you see someone.

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Speaker 1: Like the actually ship you're under like you didn't ship

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Speaker 1: your underpants on stage? Then you get an eight of this,

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Speaker 1: because I want to ship my underpants just looking at

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Speaker 1: this and you walk by your goddamn self, you and

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Speaker 1: the Holy Spirit and no one else.

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Speaker 2: I know, honestly, I will, like I said, I will

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Speaker 2: say that looking at it from the perspective of the audience,

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Speaker 2: it looks crazy. It didn't look like that to me.

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Speaker 2: It just looked like you're in this space and there's

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Speaker 2: multi colored dots everywhere. So I couldn't really you know

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Speaker 2: what I mean. So it didn't give me the chance

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Speaker 2: to be as freaked out as I probably should have

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Speaker 2: been thank.

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Speaker 1: God you're working the stage. There's no there's a podium,

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Speaker 1: but you don't care.

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Speaker 2: You're yeah, I know, girl, I was sashaying. I walked up,

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Speaker 2: I said, not me being Beyonce. That's why I said.

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Speaker 2: When I got the bike and I walked up, I

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Speaker 2: was just like, hey, y'all, Wow, this is amazing. And so.

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Speaker 1: That's how I know you must have not known an

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Speaker 1: advance because you didn't give me any advance warning to

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Speaker 1: know that this shrip was happening.

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Speaker 2: Girl, I had no idea. They're like, okay, my I

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Speaker 2: didn't know, would you have?

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Speaker 1: What did that do to you in terms of like

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Speaker 1: your team negotiating your fee for that, because that's very

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Speaker 1: different than a panel. Did they did they try to

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Speaker 1: get a discount like last minute que cute? Because I

347
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Speaker 1: don't mind.

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Speaker 2: Yeah, here's the thing, like you know, like I knew

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Speaker 2: I want to do women all because it's a huge opportunity.

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Speaker 2: So I just kind of was like, you know, a

351
00:17:13,240 --> 00:17:15,520
Speaker 2: friend of mine was on like the planning committee and

352
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Speaker 2: I had missed out on the year before, and so

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Speaker 2: I was like, whatever it takes, girl, I want to

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Speaker 2: do it. So I just said whatever that looks like.

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Speaker 2: So they did pay and it was a cute coin.

356
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Speaker 2: Maybe not thirty eight thousand people cute colling, but a

357
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Speaker 2: cute coin nonetheless, And I don't think that's that's what

358
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Speaker 2: they were trying to do. I just think that I

359
00:17:31,400 --> 00:17:35,639
Speaker 2: don't know. It was the CEO CEO of t Iaa

360
00:17:35,760 --> 00:17:39,119
Speaker 2: to Shanda, the Shanda, she was backstage and she she

361
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Speaker 2: did one after me, so she too. At first I

362
00:17:40,760 --> 00:17:42,760
Speaker 2: thought maybe they forgot to tell me, but they forgot

363
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Speaker 2: to tell her too. She was like wait what So

364
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Speaker 2: I was like, okay, good, not.

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Speaker 1: Just me, Oh god, they said, but they said we'll

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Speaker 1: put to Yeah. At least it happened at the right

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Speaker 1: time for Yes.

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Speaker 2: It was. And honestly, the thing is.

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Speaker 1: That is my perfect on the moment.

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Speaker 2: Yes, it was a room full of amazing, beautiful black women.

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Speaker 2: So I mean, to me, I think it would have

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Speaker 2: been more freaked out if it was not my audience,

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Speaker 2: because you know, you're standing in front of like black

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Speaker 2: women who are literally just there to support you. And

375
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Speaker 2: the way people have the message to me that was

376
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Speaker 2: so good. You know the steps you told me, I

377
00:18:17,600 --> 00:18:20,720
Speaker 2: wrote them down. You were fun ger, you look beautiful.

378
00:18:20,720 --> 00:18:23,640
Speaker 2: I mean the girl. The edification. I mean it's top tier.

379
00:18:25,480 --> 00:18:28,080
Speaker 1: Right, and they were already primed because this is a

380
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Speaker 1: multis conference. I need to get mind. I know a

381
00:18:30,440 --> 00:18:32,080
Speaker 1: couple of people who went to Evolve, and I'm like,

382
00:18:32,160 --> 00:18:34,320
Speaker 1: it's like the essence fest of the Fall is.

383
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Speaker 2: Yes, it is like and walking through I can't take you.

384
00:18:39,040 --> 00:18:41,800
Speaker 2: I took so many pictures, so many hugs, Like there

385
00:18:41,840 --> 00:18:44,000
Speaker 2: is no better audience than black women. I'm going to

386
00:18:44,400 --> 00:18:47,000
Speaker 2: be honest, and because they're just there's just so the

387
00:18:47,080 --> 00:18:48,680
Speaker 2: kind of love you get. I was like, I don't

388
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Speaker 2: care what kind of bad moods you in, not today's sis.

389
00:18:50,760 --> 00:18:54,440
Speaker 2: They're just like, thank you so much. Me and my daughter,

390
00:18:54,600 --> 00:18:57,119
Speaker 2: my grandma loves you. It was just it was just

391
00:18:57,160 --> 00:18:59,399
Speaker 2: a day of like love. And I just was like,

392
00:18:59,640 --> 00:19:05,640
Speaker 2: people look at me, double take Like, so I took

393
00:19:05,680 --> 00:19:09,879
Speaker 2: so many pictures and hugged so many people and cried

394
00:19:09,920 --> 00:19:11,639
Speaker 2: with so many women who were like, you know, I

395
00:19:11,720 --> 00:19:13,440
Speaker 2: was not doing well and then I read your book

396
00:19:13,520 --> 00:19:16,040
Speaker 2: or whatever, and so it just was like just a

397
00:19:16,040 --> 00:19:18,399
Speaker 2: beautiful display. And like I said, I haven't got a

398
00:19:18,480 --> 00:19:20,679
Speaker 2: chance to really like absorb the fact that like you

399
00:19:20,760 --> 00:19:22,520
Speaker 2: really got on stage and spoke in front of all

400
00:19:22,520 --> 00:19:25,520
Speaker 2: these people, Tiffany, and you didn't faint or pass out.

401
00:19:25,920 --> 00:19:28,879
Speaker 1: When are you going to start traveling with a little

402
00:19:28,880 --> 00:19:32,880
Speaker 1: film crew so that you can do your own documentary

403
00:19:33,080 --> 00:19:35,960
Speaker 1: of your work? I know, I just said that you

404
00:19:36,040 --> 00:19:36,720
Speaker 1: need to own that.

405
00:19:36,800 --> 00:19:41,560
Speaker 2: I know, you know, you know what I I wish

406
00:19:41,640 --> 00:19:43,920
Speaker 2: I didn't know that it was going to be this obviously,

407
00:19:44,440 --> 00:19:46,080
Speaker 2: because I was like, wait, if I would have known,

408
00:19:46,080 --> 00:19:49,040
Speaker 2: maybe I would have been like, whoa somebody, could you know,

409
00:19:49,080 --> 00:19:51,800
Speaker 2: maybe hire somebody in Dallas to follow and take the

410
00:19:51,840 --> 00:19:54,399
Speaker 2: pictures in the video all that kind of stuff. I

411
00:19:54,480 --> 00:19:56,040
Speaker 2: just thought, oh, you're going to do a panel and

412
00:19:56,119 --> 00:19:59,240
Speaker 2: you know, of course a lot of people, but still, yeah,

413
00:19:59,240 --> 00:20:01,359
Speaker 2: I was staking that like at this time, I was sticky,

414
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Speaker 2: Like thankfully everybody was so great.

415
00:20:03,840 --> 00:20:07,200
Speaker 1: Like they'll have you'll have more stages. I just feel

416
00:20:07,200 --> 00:20:10,560
Speaker 1: like I want and like, let's say the Today Show

417
00:20:10,600 --> 00:20:12,040
Speaker 1: came to you tomorrow and was like we want to

418
00:20:12,040 --> 00:20:14,479
Speaker 1: I know they already did, but like you would have

419
00:20:14,480 --> 00:20:16,639
Speaker 1: footage and stuff like there's video out there. But I

420
00:20:16,720 --> 00:20:18,720
Speaker 1: just feel like your story, the budget needs to the

421
00:20:18,760 --> 00:20:21,280
Speaker 1: impact that you have. I just feel like it needs

422
00:20:21,280 --> 00:20:23,440
Speaker 1: to be captured and given its due, Like I think

423
00:20:23,480 --> 00:20:26,520
Speaker 1: to really like you have this New York Times bestselling

424
00:20:26,600 --> 00:20:29,800
Speaker 1: book and it still feels like, well, one, I know

425
00:20:29,920 --> 00:20:31,639
Speaker 1: you keep yourself humble, but it still feels like you're

426
00:20:31,680 --> 00:20:35,720
Speaker 1: surprised I am. I mean, I don't know from the

427
00:20:35,720 --> 00:20:39,280
Speaker 1: outside looking in, I know, but I just want, I

428
00:20:39,359 --> 00:20:43,600
Speaker 1: don't want. I just feel like you need, you need,

429
00:20:44,480 --> 00:20:46,200
Speaker 1: And you've been a part of other people. You're a

430
00:20:46,200 --> 00:20:48,639
Speaker 1: part of that Netflix dock, you were in Queer Eye,

431
00:20:48,680 --> 00:20:50,800
Speaker 1: like you've been all over the place. But I'm like,

432
00:20:51,440 --> 00:20:55,639
Speaker 1: you deserve I think top billing in like an actual

433
00:20:56,880 --> 00:20:59,600
Speaker 1: documentary and not just and I want, like I want

434
00:20:59,600 --> 00:21:02,520
Speaker 1: to see you, you with your crusty eyes in the

435
00:21:02,560 --> 00:21:06,200
Speaker 1: morning when you wake up, like I want. Don't don't

436
00:21:06,240 --> 00:21:08,880
Speaker 1: ask me to direct it because I'm like I don't

437
00:21:08,880 --> 00:21:11,760
Speaker 1: want all that, just like no, but just like the

438
00:21:11,800 --> 00:21:14,280
Speaker 1: realness of you, like you're just like a living legend

439
00:21:14,480 --> 00:21:18,000
Speaker 1: just walking around Newark, just kind of like famous and

440
00:21:18,359 --> 00:21:21,080
Speaker 1: like you know, you're just I don't know. It just

441
00:21:21,119 --> 00:21:23,359
Speaker 1: feels like it just feels like that's something that I

442
00:21:23,400 --> 00:21:25,359
Speaker 1: would want to watch. It feels so heartwarming. It feels

443
00:21:25,359 --> 00:21:28,639
Speaker 1: like you know that Michelle Obama's higher ground, that production company,

444
00:21:28,680 --> 00:21:30,640
Speaker 1: like they would be all over that. But I also

445
00:21:30,720 --> 00:21:32,360
Speaker 1: just think that you need to do it and then

446
00:21:32,400 --> 00:21:34,120
Speaker 1: just sell it. I think people would scoop it up.

447
00:21:34,440 --> 00:21:37,280
Speaker 1: I think that obviously I'm an expert on Hollywood. Maybe

448
00:21:37,280 --> 00:21:39,920
Speaker 1: it's because my little brother makes movies and gets them

449
00:21:40,000 --> 00:21:42,720
Speaker 1: screened at film festivals and that world just feels so

450
00:21:42,840 --> 00:21:46,360
Speaker 1: much closer and less intimidating. But I'm just but it's

451
00:21:46,400 --> 00:21:48,679
Speaker 1: really about like the way that he makes films. He

452
00:21:48,800 --> 00:21:53,320
Speaker 1: makes it first and then they go and sell it,

453
00:21:52,359 --> 00:21:55,600
Speaker 1: and that if you could like get the funding or

454
00:21:55,640 --> 00:21:58,040
Speaker 1: just fund it yourself, whatever, just make make it talk

455
00:21:59,640 --> 00:22:01,119
Speaker 1: grand can watch it someday.

456
00:22:01,880 --> 00:22:06,000
Speaker 2: It is kind of crazy. I feel like there is

457
00:22:06,680 --> 00:22:08,639
Speaker 2: like this was this was This was the first time

458
00:22:08,960 --> 00:22:12,640
Speaker 2: I felt like, wait, I don't know why it's taken

459
00:22:12,720 --> 00:22:15,320
Speaker 2: so long, because I do I am people think I'm

460
00:22:15,359 --> 00:22:17,160
Speaker 2: just putting on I'm like no, I am still really

461
00:22:17,160 --> 00:22:20,840
Speaker 2: surprised because largely I'm home by myself with my sisters

462
00:22:20,880 --> 00:22:23,600
Speaker 2: and my niece and nephew who could care less, you know,

463
00:22:23,920 --> 00:22:28,080
Speaker 2: and so like you know, but so this time being

464
00:22:28,119 --> 00:22:30,760
Speaker 2: there and seeing how many women reacted to me, I

465
00:22:30,880 --> 00:22:34,000
Speaker 2: was like, wait, this is this is a big deal.

466
00:22:34,840 --> 00:22:36,119
Speaker 2: I think this was the first time. It kind of

467
00:22:36,200 --> 00:22:39,720
Speaker 2: hit me because when I saw the CEO of t

468
00:22:39,800 --> 00:22:41,600
Speaker 2: I A. She used to be like the you know,

469
00:22:41,680 --> 00:22:44,560
Speaker 2: the top top woman at Chase Bank, like you know,

470
00:22:44,640 --> 00:22:47,040
Speaker 2: like all JP Mortgage, that was her and now she's

471
00:22:47,080 --> 00:22:49,080
Speaker 2: the CEO of t I AA. And when I got

472
00:22:49,080 --> 00:22:51,320
Speaker 2: back there, she was like, girl, how we never met before?

473
00:22:51,359 --> 00:22:53,639
Speaker 2: But I know, I know your whole story. I know,

474
00:22:53,880 --> 00:22:56,239
Speaker 2: I was thinking, like, how does she know me? And

475
00:22:56,240 --> 00:22:58,000
Speaker 2: and then it was like but to see her, but

476
00:22:58,040 --> 00:23:01,280
Speaker 2: then also to get like, you know, like women in

477
00:23:01,320 --> 00:23:05,280
Speaker 2: the hallway and you know and literally the the you know,

478
00:23:05,320 --> 00:23:07,760
Speaker 2: they have hostesses that like guide you and that, and

479
00:23:07,800 --> 00:23:11,159
Speaker 2: it just really hit me, like Tiffany, like like my

480
00:23:11,200 --> 00:23:15,159
Speaker 2: sister would say, everybody knows everybody like you're you know

481
00:23:15,200 --> 00:23:17,840
Speaker 2: you're but I guess I just I don't know. It

482
00:23:18,000 --> 00:23:20,400
Speaker 2: just it's hard for me to wrap my mind around

483
00:23:21,200 --> 00:23:25,440
Speaker 2: how big the brand has gotten because it still feels

484
00:23:25,600 --> 00:23:29,120
Speaker 2: like mine and not small, but like personal because it's

485
00:23:29,200 --> 00:23:32,439
Speaker 2: like largely when I'm not out there, I'm home. You know,

486
00:23:32,480 --> 00:23:34,119
Speaker 2: I'm home, rubbing my feet on my couch. It's like,

487
00:23:35,080 --> 00:23:37,159
Speaker 2: you know, like I'm home taking a walk up.

488
00:23:37,200 --> 00:23:40,760
Speaker 1: My favorite part minding your rich Auntee business right right

489
00:23:40,840 --> 00:23:41,840
Speaker 1: with my black owned business.

490
00:23:42,000 --> 00:23:43,960
Speaker 2: And so but when I every once in a while,

491
00:23:44,000 --> 00:23:46,080
Speaker 2: I will step out and really just be an awe

492
00:23:46,160 --> 00:23:48,000
Speaker 2: because even on the plane, like, oh there man, they'm

493
00:23:48,000 --> 00:23:50,520
Speaker 2: not gonna lie. I was in NewYork at the airport,

494
00:23:50,680 --> 00:23:54,040
Speaker 2: I'm like, hi, but it is I'm going to Women Evolved.

495
00:23:54,080 --> 00:23:56,880
Speaker 2: The plane was full of black women, but I land

496
00:23:57,480 --> 00:24:01,200
Speaker 2: but I was like, dad, oh that's right, they're all

497
00:24:01,200 --> 00:24:03,199
Speaker 2: going to Women Evolved. And I just thought, wow, all

498
00:24:03,280 --> 00:24:08,880
Speaker 2: y'all know men day Okay, So I don't know, girl

499
00:24:09,200 --> 00:24:11,840
Speaker 2: whatever thinking, but it was just you know, this thank

500
00:24:11,920 --> 00:24:14,960
Speaker 2: you to the Women Evolved Team one. They were so accommodated.

501
00:24:14,960 --> 00:24:17,520
Speaker 2: I brought my best friend Linda, and Linda had some

502
00:24:17,520 --> 00:24:21,200
Speaker 2: mobility challenges, you know, and so they were just the kindest,

503
00:24:21,200 --> 00:24:23,640
Speaker 2: the most accommodating, the most whatever you need, however you need,

504
00:24:23,640 --> 00:24:26,800
Speaker 2: whatever you you know, like it just it's you know,

505
00:24:27,560 --> 00:24:29,639
Speaker 2: Linda came with me to the first Women Evolved and

506
00:24:30,320 --> 00:24:32,960
Speaker 2: you know they're not There's not too many conferences that

507
00:24:33,040 --> 00:24:35,680
Speaker 2: I can say, Linda come and I can feel confident

508
00:24:35,720 --> 00:24:37,480
Speaker 2: that she's going to be looked after just as well

509
00:24:37,520 --> 00:24:40,160
Speaker 2: as I am. And Women Evolve hands down as one

510
00:24:40,200 --> 00:24:43,080
Speaker 2: of them. That's like, whatever your challenges are, not just her,

511
00:24:43,119 --> 00:24:45,000
Speaker 2: But I just saw lots of people. They were just

512
00:24:45,040 --> 00:24:48,680
Speaker 2: accommodating to every type of need that you might have,

513
00:24:48,720 --> 00:24:50,800
Speaker 2: and they just were so kind like no, no, we

514
00:24:50,840 --> 00:24:52,720
Speaker 2: got her, girl, you go ahead, No, no, we we're

515
00:24:52,760 --> 00:24:54,399
Speaker 2: gonna go this way, We're gonna do this. It was

516
00:24:54,480 --> 00:24:57,399
Speaker 2: just they were just amazing, and Linda was like, that

517
00:24:57,560 --> 00:24:59,840
Speaker 2: was amazing because that's not always the case. You know,

518
00:25:00,359 --> 00:25:03,040
Speaker 2: people don't make space for people who are different, and

519
00:25:03,080 --> 00:25:07,320
Speaker 2: so yeah, that was just really heartwarming too. So they

520
00:25:07,359 --> 00:25:09,719
Speaker 2: will always have my whore because of the way they

521
00:25:09,720 --> 00:25:11,520
Speaker 2: treat her, but also the way they treat me too,

522
00:25:11,560 --> 00:25:14,760
Speaker 2: And honestly, everyone there, from the women who attended to

523
00:25:14,840 --> 00:25:17,040
Speaker 2: the women who helped behind the scenes, it's just a

524
00:25:17,119 --> 00:25:19,239
Speaker 2: love fest of black women on black women, black on

525
00:25:19,280 --> 00:25:19,760
Speaker 2: black love.

526
00:25:22,119 --> 00:25:26,240
Speaker 1: Well, I'm so proud of you always. But that's such

527
00:25:26,280 --> 00:25:30,520
Speaker 1: a funny story, and the best way is possible. State

528
00:25:30,560 --> 00:25:33,639
Speaker 1: firm agents are small business owners too, so they know

529
00:25:33,720 --> 00:25:37,119
Speaker 1: how to help you choose personalized policies that fit your needs,

530
00:25:37,240 --> 00:25:39,560
Speaker 1: like a good neighbor. State firm is there. Talk to

531
00:25:39,600 --> 00:25:43,760
Speaker 1: your local agent today. Hey, hey, ba fam, we are

532
00:25:43,800 --> 00:25:47,800
Speaker 1: going live, y'all. We are going to be live from Newark,

533
00:25:47,880 --> 00:25:52,160
Speaker 1: New Jersey. It is all happening October tenth at six pm.

534
00:25:52,200 --> 00:25:55,160
Speaker 1: If you want to get tickets now, tickets are limited.

535
00:25:55,200 --> 00:25:57,960
Speaker 1: We picked the best venue. It's a historic black owned

536
00:25:57,960 --> 00:26:01,800
Speaker 1: bookstore in Newark, but seating is limited. This is going

537
00:26:01,800 --> 00:26:05,040
Speaker 1: to be an intimate evening with me and Tiffany live

538
00:26:05,160 --> 00:26:08,280
Speaker 1: in person. It may be the only chance y'all get.

539
00:26:08,359 --> 00:26:11,800
Speaker 1: I'm not gonna lie to see us together live in

540
00:26:11,840 --> 00:26:14,520
Speaker 1: twenty twenty four, So please come get your tickets. We

541
00:26:14,560 --> 00:26:16,800
Speaker 1: want to make sure that the crowd is packed with

542
00:26:17,040 --> 00:26:20,560
Speaker 1: true be a family. Okay, So if you want to

543
00:26:20,600 --> 00:26:24,760
Speaker 1: get tickets, run, don't walk. Run to Brown Ambition podcast

544
00:26:24,880 --> 00:26:27,959
Speaker 1: dot com to get the link right there and let

545
00:26:28,080 --> 00:26:31,680
Speaker 1: us know that you're coming. Tag us, send us your receipts,

546
00:26:31,680 --> 00:26:33,639
Speaker 1: send us your order. Maybe we'll send you some be

547
00:26:33,800 --> 00:26:36,919
Speaker 1: A swag. We'll have some BA swag at the event.

548
00:26:37,080 --> 00:26:40,760
Speaker 1: Even we are going to be celebrating nine years of

549
00:26:40,840 --> 00:26:44,800
Speaker 1: the show, y'all. Nine years. We're like geriatric podcasters in

550
00:26:44,840 --> 00:26:47,680
Speaker 1: the very best way. But we cannot wait to see

551
00:26:47,720 --> 00:26:50,960
Speaker 1: y'all in Newark, So go ahead, Brownambition Podcast dot com

552
00:26:50,960 --> 00:26:53,560
Speaker 1: to get your tickets to see me and Tiffany live

553
00:26:54,160 --> 00:26:57,160
Speaker 1: for Brown Ambition Live in Newark, New Jersey. It's all

554
00:26:57,200 --> 00:27:00,399
Speaker 1: going down, Like I said October tenth, get your tickets

555
00:27:00,400 --> 00:27:07,720
Speaker 1: again at Brown Ambition podcast dot com. Bloods segue into

556
00:27:08,040 --> 00:27:10,760
Speaker 1: like maybe not a not so funny story, but do

557
00:27:10,840 --> 00:27:12,840
Speaker 1: you know these people are still trying to purge people

558
00:27:12,880 --> 00:27:17,480
Speaker 1: from voter roles, like on like bold face to control

559
00:27:17,520 --> 00:27:21,760
Speaker 1: all deleting people from voter roles. So be a fan.

560
00:27:21,840 --> 00:27:25,720
Speaker 1: We've said it before, where I'll say it again. Check

561
00:27:25,920 --> 00:27:29,840
Speaker 1: your registration status. Yes, the state of Alabama is getting

562
00:27:29,880 --> 00:27:32,400
Speaker 1: sued right now by the Justice Department. They try to

563
00:27:32,520 --> 00:27:37,000
Speaker 1: get rid of thirty five hundred registered voters from their roles.

564
00:27:37,359 --> 00:27:40,000
Speaker 1: And they want to say, yeah, no, I don't know.

565
00:27:40,400 --> 00:27:44,200
Speaker 1: It's like happening. And in Georgia too, you know, it's

566
00:27:44,320 --> 00:27:48,439
Speaker 1: just these battleground states especially there is this like we

567
00:27:48,520 --> 00:27:50,800
Speaker 1: all focus on the presidential election, but there's this like

568
00:27:50,960 --> 00:27:57,480
Speaker 1: nefarious strain of low level government workers who are potentially

569
00:27:57,520 --> 00:28:00,359
Speaker 1: altering the course of our democracy. I know that sounds

570
00:28:00,400 --> 00:28:04,080
Speaker 1: so dramatic, but it's actually happening. Like the people who

571
00:28:04,119 --> 00:28:07,160
Speaker 1: are going to decide how do we count votes, and

572
00:28:07,280 --> 00:28:09,600
Speaker 1: how do we contest a vote, and how do we

573
00:28:09,640 --> 00:28:12,399
Speaker 1: make it easier to contest a vote, you know, to

574
00:28:12,600 --> 00:28:15,800
Speaker 1: deny the will of the people. So just one thing

575
00:28:15,840 --> 00:28:18,240
Speaker 1: I'll say is go to I will vote dot Is

576
00:28:18,280 --> 00:28:20,240
Speaker 1: it calm or org? Let me see, I will vote

577
00:28:20,240 --> 00:28:23,600
Speaker 1: dot com, and then it will direct you to where

578
00:28:23,680 --> 00:28:25,399
Speaker 1: you can see if you're Yeah, it says check if

579
00:28:25,400 --> 00:28:29,000
Speaker 1: I'm registered to vote. Just check it. Check it for

580
00:28:29,080 --> 00:28:32,320
Speaker 1: your grandparents, check it for your Yeah, your your loved

581
00:28:32,320 --> 00:28:34,800
Speaker 1: ones who are maybe not so Internet savvy. Matter of that.

582
00:28:34,960 --> 00:28:37,320
Speaker 1: Let me check it for my dad right now, because see,

583
00:28:37,320 --> 00:28:42,040
Speaker 1: I worry about him, like I worry about older people

584
00:28:42,040 --> 00:28:44,560
Speaker 1: of color in these battleground states, because I just feel

585
00:28:44,600 --> 00:28:48,160
Speaker 1: like they are more susceptible to be getting kicked off

586
00:28:48,160 --> 00:28:52,120
Speaker 1: these roles, you know. So I yeah, I want you

587
00:28:52,120 --> 00:28:55,240
Speaker 1: guys to go, I will vote dot com. Stay woke.

588
00:28:56,240 --> 00:28:59,880
Speaker 1: Oh good, he is registered And look at him voting

589
00:29:00,080 --> 00:29:02,680
Speaker 1: elections during off years. He was just voting in May,

590
00:29:03,440 --> 00:29:07,400
Speaker 1: probably at a primary. Amazing. Okay, great, yeah, this was

591
00:29:07,400 --> 00:29:10,080
Speaker 1: super easy. It took less than five seconds. I will

592
00:29:10,160 --> 00:29:15,000
Speaker 1: vote dot com. OOHI now, Tiff, there was something that

593
00:29:15,040 --> 00:29:18,240
Speaker 1: you wanted to talk about because somebody has sent you something.

594
00:29:18,680 --> 00:29:21,360
Speaker 2: Yeah, so someone sent me this article that I was like,

595
00:29:21,480 --> 00:29:24,600
Speaker 2: so a friend of mine, Kalilo, she's also like one

596
00:29:24,640 --> 00:29:26,880
Speaker 2: of my mentees. She has this company called mess in

597
00:29:26,960 --> 00:29:31,680
Speaker 2: a Bottle and she makes these amazing mostly like like apparel,

598
00:29:31,920 --> 00:29:36,480
Speaker 2: but other things but that have like really amazing messages

599
00:29:36,480 --> 00:29:39,320
Speaker 2: on them. And so she's been in target. I mean,

600
00:29:39,400 --> 00:29:42,320
Speaker 2: she's had partnerships with all these amazing companies. But Kalila

601
00:29:42,400 --> 00:29:45,960
Speaker 2: had a really hard year in twenty twenty three and

602
00:29:45,960 --> 00:29:48,000
Speaker 2: twenty twenty four. It's been a little hard too, So

603
00:29:48,040 --> 00:29:51,320
Speaker 2: she posted a story about it, and in her reals

604
00:29:51,480 --> 00:29:55,960
Speaker 2: she shared how she said, I am struggling in business,

605
00:29:56,400 --> 00:29:58,880
Speaker 2: and I decided to do a little digging to see,

606
00:29:58,920 --> 00:30:02,240
Speaker 2: like what's really happening, because let the people say, like

607
00:30:02,280 --> 00:30:04,440
Speaker 2: you know, let the government say the economy is strong,

608
00:30:04,640 --> 00:30:06,800
Speaker 2: but come if the economy is so strong, why are

609
00:30:06,840 --> 00:30:09,800
Speaker 2: people Why am I struggling? And she was just like

610
00:30:09,840 --> 00:30:12,920
Speaker 2: she came up across this article that said there is

611
00:30:12,920 --> 00:30:17,720
Speaker 2: an uptick of people using credit cards for groceries, and

612
00:30:18,240 --> 00:30:22,880
Speaker 2: whenever people use credit for necessities, that is something called

613
00:30:22,880 --> 00:30:25,600
Speaker 2: a Canarian a coal mine, meaning like Molly you and

614
00:30:25,680 --> 00:30:29,640
Speaker 2: danger Girl and so even though the stock market might

615
00:30:29,680 --> 00:30:32,480
Speaker 2: be up, it is not translating to the everyday person's

616
00:30:32,520 --> 00:30:35,120
Speaker 2: reality of being able to pay bills because I'm seeing

617
00:30:35,160 --> 00:30:36,640
Speaker 2: it over and over. Remember, I think I talked to

618
00:30:36,720 --> 00:30:39,080
Speaker 2: that in one of our episodes. How a friend of

619
00:30:39,120 --> 00:30:41,920
Speaker 2: mine who I've known since sixth grade, who's never asked

620
00:30:41,960 --> 00:30:44,760
Speaker 2: to borrow two dollars in sixth grade, let alone money,

621
00:30:44,840 --> 00:30:47,960
Speaker 2: is a teacher fully employed, did not get her summer

622
00:30:48,000 --> 00:30:50,000
Speaker 2: hours like she normally does and asks to borrow money

623
00:30:50,040 --> 00:30:53,880
Speaker 2: to pay rent, and I lent it to her, and

624
00:30:54,560 --> 00:30:58,320
Speaker 2: I was thinking, like, wait, what's happening. So when Kalila

625
00:30:58,360 --> 00:31:01,400
Speaker 2: sent me that article, I was just like, yes, I'm

626
00:31:01,440 --> 00:31:06,440
Speaker 2: wondering how BA fan feels, because I if I'm being

627
00:31:06,520 --> 00:31:09,640
Speaker 2: candid because of the business that I'm in, in the work

628
00:31:09,680 --> 00:31:11,560
Speaker 2: that I do, Certainly twenty twenty three was a hard

629
00:31:11,560 --> 00:31:14,680
Speaker 2: business year. But for me, profess, for me as Tiffany,

630
00:31:15,160 --> 00:31:18,200
Speaker 2: you know, I have, I have, You know, I am,

631
00:31:18,400 --> 00:31:21,680
Speaker 2: I am past the ups and downs of the daily girl.

632
00:31:21,760 --> 00:31:24,560
Speaker 2: You know, like I've been able to you know, the

633
00:31:24,880 --> 00:31:26,840
Speaker 2: life that I live is significantly less than what I

634
00:31:26,840 --> 00:31:29,800
Speaker 2: make regardless, so I don't necessarily feel the pinch as

635
00:31:29,920 --> 00:31:32,040
Speaker 2: much because I'm like, well, I was already living at

636
00:31:32,040 --> 00:31:34,560
Speaker 2: twenty percent of what I take home, so it would

637
00:31:34,560 --> 00:31:36,000
Speaker 2: take a lot for me to be like, hold up,

638
00:31:36,400 --> 00:31:39,200
Speaker 2: how much is that? But it doesn't mean I don't

639
00:31:39,200 --> 00:31:42,680
Speaker 2: hear all my family and friends being like girl like Carol,

640
00:31:42,800 --> 00:31:47,800
Speaker 2: my sister telling me like, uh, groceries are crazy. You

641
00:31:47,840 --> 00:31:50,120
Speaker 2: know my other friend who's been having the hardest time

642
00:31:50,160 --> 00:31:53,040
Speaker 2: finding a job, and he's got his master's and is

643
00:31:53,080 --> 00:31:57,520
Speaker 2: well qualified, So like, what what are you seeing out there?

644
00:31:57,560 --> 00:32:00,000
Speaker 2: Because you know the fact that people are using credit

645
00:32:00,080 --> 00:32:02,640
Speaker 2: cards more for necessities, lets you know that they're in

646
00:32:02,680 --> 00:32:03,479
Speaker 2: a bad place.

647
00:32:04,320 --> 00:32:07,840
Speaker 1: I'm in a bad place, Like I'm in a bad place.

648
00:32:08,000 --> 00:32:11,840
Speaker 1: My issue is like I'm in a bad place personally,

649
00:32:12,040 --> 00:32:14,440
Speaker 1: and I think a ton. I mean, I can just

650
00:32:14,440 --> 00:32:17,280
Speaker 1: share some data on this too. But the average American consumer,

651
00:32:17,600 --> 00:32:20,160
Speaker 1: the credit card debt is going up. I mean it

652
00:32:20,200 --> 00:32:22,960
Speaker 1: also you have to also think about the cost of housing.

653
00:32:23,040 --> 00:32:25,560
Speaker 1: So I'll give you an example, and I just I

654
00:32:25,640 --> 00:32:28,760
Speaker 1: just want to say to anyone listening that in a

655
00:32:28,760 --> 00:32:32,760
Speaker 1: lot of ways, it's not our faults, like things are

656
00:32:32,760 --> 00:32:35,560
Speaker 1: getting more. It's just like math is not mathing. Things

657
00:32:35,600 --> 00:32:38,400
Speaker 1: are way more expensive than they ought to be and

658
00:32:38,600 --> 00:32:42,080
Speaker 1: used to be, and our income not just hasn't been

659
00:32:42,120 --> 00:32:44,000
Speaker 1: able to keep up with it. And so a good

660
00:32:44,040 --> 00:32:47,840
Speaker 1: example is housing. I'm a homeowner, and I think on

661
00:32:47,880 --> 00:32:50,840
Speaker 1: its own, my monthly mortgage payment would be maybe sixteen

662
00:32:50,880 --> 00:32:55,920
Speaker 1: or eighteen hundred dollars. But my home value has, according

663
00:32:55,960 --> 00:33:00,719
Speaker 1: to my town, gone up astronomically since we purchased it,

664
00:33:00,840 --> 00:33:06,640
Speaker 1: like almost fifty percent fifty sixty percent. So my property

665
00:33:06,680 --> 00:33:09,960
Speaker 1: taxes have gone up. And I was one of the

666
00:33:10,040 --> 00:33:13,760
Speaker 1: smart ones who refinanced during the pandemic when rates were

667
00:33:13,800 --> 00:33:16,240
Speaker 1: super low. So my interest rate on my mortgage is

668
00:33:16,280 --> 00:33:19,200
Speaker 1: like two point whatever percent, less than three percent, which

669
00:33:19,200 --> 00:33:23,600
Speaker 1: is extraordinary, right. However, I keep looking at our mortgage

670
00:33:23,600 --> 00:33:26,680
Speaker 1: bill and I'm like, this bill keeps going up. It's

671
00:33:26,720 --> 00:33:30,520
Speaker 1: almost four thousand dollars a month, now four thousand dollars

672
00:33:30,560 --> 00:33:33,200
Speaker 1: a month. And that is after we and I think

673
00:33:33,200 --> 00:33:35,200
Speaker 1: when we move into our house, it was twenty five

674
00:33:35,360 --> 00:33:40,600
Speaker 1: hundred seven hundred. That is the cost of property taxes,

675
00:33:41,240 --> 00:33:44,600
Speaker 1: that is the cost of house and home price inflation.

676
00:33:45,280 --> 00:33:50,960
Speaker 1: It is gentrification, It is the housing shortage. It is

677
00:33:51,000 --> 00:33:53,200
Speaker 1: the fact that I live. Like if you go on

678
00:33:53,280 --> 00:33:55,720
Speaker 1: Zillo for my zip code, you'll find like three houses

679
00:33:55,720 --> 00:33:58,480
Speaker 1: for sale, and a lot of that has to and

680
00:33:58,520 --> 00:34:01,240
Speaker 1: the ones that are for sale are extremely expensive, even

681
00:34:01,280 --> 00:34:04,479
Speaker 1: though they're very modest, like my home, and my neighbor

682
00:34:04,520 --> 00:34:07,160
Speaker 1: built a brand new house literally right next to us.

683
00:34:07,720 --> 00:34:09,520
Speaker 1: It was an empty lot. He bought it and built

684
00:34:09,520 --> 00:34:13,719
Speaker 1: this eight hundred thousand dollars brand new home. And I'm

685
00:34:13,760 --> 00:34:17,480
Speaker 1: over here like and and which I think I mentioned

686
00:34:17,520 --> 00:34:19,799
Speaker 1: a be a fan that we tried to appeal our

687
00:34:19,840 --> 00:34:20,440
Speaker 1: property tax.

688
00:34:20,600 --> 00:34:22,680
Speaker 2: I was gonna ask that, how did that go?

689
00:34:23,120 --> 00:34:29,640
Speaker 1: Denied? Denied? We've tried before. We've actually hired someone like

690
00:34:30,040 --> 00:34:33,520
Speaker 1: real some real estate agents or realtors. If you reach

691
00:34:33,560 --> 00:34:36,200
Speaker 1: out to them, some of them have side businesses doing

692
00:34:36,280 --> 00:34:39,680
Speaker 1: these appeals like property tax assessment. When you call them

693
00:34:40,040 --> 00:34:43,360
Speaker 1: when you fight against it. I guess that before and

694
00:34:43,400 --> 00:34:47,280
Speaker 1: that went nowhere, And I'm just saying so, like, that's

695
00:34:47,360 --> 00:34:50,200
Speaker 1: a lot of extra lot now. At the same time,

696
00:34:51,040 --> 00:34:54,040
Speaker 1: I really wanted a family, and you know what's really

697
00:34:54,080 --> 00:34:59,000
Speaker 1: expensive is childcare. It is so hard, and it's like

698
00:34:59,600 --> 00:35:03,319
Speaker 1: I could really get emotional about it because I made

699
00:35:03,360 --> 00:35:06,000
Speaker 1: a ton of great choices and right now in my life,

700
00:35:06,040 --> 00:35:08,600
Speaker 1: I'm thinking, oh, so I worked really hard in my

701
00:35:08,640 --> 00:35:10,279
Speaker 1: twenties and made all the right choices, so I can

702
00:35:10,320 --> 00:35:11,680
Speaker 1: barely goodbye my thirties.

703
00:35:12,040 --> 00:35:15,160
Speaker 2: I just don't understand. It's fucking crazy. Oh my god,

704
00:35:15,280 --> 00:35:18,479
Speaker 2: Mandy eighteen hundred to four. That like, how is somebody

705
00:35:18,520 --> 00:35:20,040
Speaker 2: supposed to navigate and manage?

706
00:35:20,520 --> 00:35:22,719
Speaker 1: I mean, on the one hand, you can say, well,

707
00:35:22,719 --> 00:35:25,080
Speaker 1: it's a blessing you have. You have this equity in

708
00:35:25,080 --> 00:35:27,440
Speaker 1: your home. Well, then I'll point you to this article

709
00:35:28,239 --> 00:35:30,799
Speaker 1: that I just actually my husband sent me because we

710
00:35:30,800 --> 00:35:33,759
Speaker 1: were talking about it. Cash dropped Americans are using their

711
00:35:33,760 --> 00:35:35,799
Speaker 1: homes to pay down debt and to keep up with

712
00:35:35,840 --> 00:35:39,440
Speaker 1: the rising cost of living. So we're tapping into this

713
00:35:39,520 --> 00:35:42,719
Speaker 1: equity that we've accrued. But we're too broke or we're

714
00:35:42,760 --> 00:35:45,520
Speaker 1: too trapped by our low interest rate mortgage to leave

715
00:35:45,560 --> 00:35:49,160
Speaker 1: our homes. So yeah, we're house rich, I guess. But

716
00:35:49,719 --> 00:35:53,240
Speaker 1: how do you actually turn your equity into a picky bank. Well,

717
00:35:53,320 --> 00:35:55,840
Speaker 1: you can do a home equity loan or home equity

718
00:35:55,840 --> 00:35:58,879
Speaker 1: line of credit, which is when the bank basically says, oh,

719
00:35:58,880 --> 00:36:00,960
Speaker 1: you have one hundred thousand dollar worth of equity, so

720
00:36:01,000 --> 00:36:03,040
Speaker 1: we'll give you a line of credit for thirty thousand

721
00:36:03,080 --> 00:36:06,319
Speaker 1: dollars and then you can draw on this line for

722
00:36:06,400 --> 00:36:09,600
Speaker 1: the next like five years, five ten years, and then

723
00:36:09,640 --> 00:36:11,800
Speaker 1: you have twenty years to pay it off. And interest

724
00:36:11,880 --> 00:36:13,720
Speaker 1: rates tend to be a lot I mean, they're definitely

725
00:36:13,800 --> 00:36:16,600
Speaker 1: a lot lower than credit cards because your whole house

726
00:36:16,680 --> 00:36:19,359
Speaker 1: is securing it, which means if you default, you can

727
00:36:19,400 --> 00:36:23,000
Speaker 1: lose your house. But rates are like nine percent, which

728
00:36:23,040 --> 00:36:28,879
Speaker 1: is significantly lower. So families are now taking their equity.

729
00:36:28,920 --> 00:36:32,360
Speaker 1: And the reason why some people have a weird feeling

730
00:36:32,360 --> 00:36:35,440
Speaker 1: about home equity loans is that may sound familiar. This

731
00:36:35,640 --> 00:36:38,200
Speaker 1: was one of the biggest causes of the housing crash

732
00:36:38,200 --> 00:36:41,399
Speaker 1: and the financial crisis in eight was the fact that

733
00:36:41,840 --> 00:36:43,440
Speaker 1: it's not as bad. I don't want to like be

734
00:36:43,560 --> 00:36:46,520
Speaker 1: like alarm bells. It's not as bad as like two

735
00:36:46,520 --> 00:36:49,040
Speaker 1: thousand and seven, when banks were giving out a good

736
00:36:49,160 --> 00:36:51,360
Speaker 1: like so many home equity lines of credit. You know,

737
00:36:51,400 --> 00:36:53,880
Speaker 1: people lived in houses that were like you know, the

738
00:36:53,920 --> 00:36:57,560
Speaker 1: housing and housing prices were super inflated. There was all

739
00:36:57,560 --> 00:37:00,160
Speaker 1: this like crazy stuff happening in the back and the

740
00:37:00,160 --> 00:37:02,600
Speaker 1: back end of banks that still go over our head

741
00:37:02,640 --> 00:37:06,520
Speaker 1: to this day. But the point is people were leveraging

742
00:37:06,600 --> 00:37:11,080
Speaker 1: their home value for debt and then they couldn't repay it,

743
00:37:11,120 --> 00:37:12,520
Speaker 1: and that was one of the reasons we had that

744
00:37:12,520 --> 00:37:16,839
Speaker 1: bit collapse, right, So now that we are turning to this,

745
00:37:17,160 --> 00:37:22,239
Speaker 1: you know, this smart, low cost form of debt consolidation

746
00:37:22,640 --> 00:37:25,600
Speaker 1: by tapping into your home equity, it just yeah, it

747
00:37:25,800 --> 00:37:29,840
Speaker 1: definitely makes me feel like, oh, people are including myself,

748
00:37:30,320 --> 00:37:33,759
Speaker 1: like really overwhelmed and just looking for trying to make

749
00:37:33,760 --> 00:37:38,440
Speaker 1: the right decision to keep up. And meanwhile, September thirtieth

750
00:37:38,480 --> 00:37:40,560
Speaker 1: is today October first. It's like, do we have the

751
00:37:40,600 --> 00:37:43,680
Speaker 1: mortgage and the daycare? Do we have the eight thousand dollars?

752
00:37:43,760 --> 00:37:47,160
Speaker 1: It is just the roof and kids like, can I

753
00:37:47,239 --> 00:37:49,600
Speaker 1: make money in business to pay for their shit this night?

754
00:37:49,760 --> 00:37:49,880
Speaker 3: No?

755
00:37:51,120 --> 00:37:53,680
Speaker 2: It's really I guess, you know, like I feel like

756
00:37:56,600 --> 00:38:00,360
Speaker 2: I feel like I don't I don't know this. I

757
00:38:00,480 --> 00:38:03,280
Speaker 2: was telling that to someone. I said, this is beyond

758
00:38:03,280 --> 00:38:05,839
Speaker 2: to your point. This is not budget your way through.

759
00:38:06,080 --> 00:38:08,319
Speaker 2: That's not what we're talking about here. This is people

760
00:38:08,360 --> 00:38:11,800
Speaker 2: are not don't buy those Jordans. That's not what's happening.

761
00:38:11,800 --> 00:38:14,719
Speaker 2: It's like, so my kid doesn't go to school, so

762
00:38:14,840 --> 00:38:16,560
Speaker 2: we don't have a roof over our head. Like people

763
00:38:16,680 --> 00:38:22,480
Speaker 2: are really navigating between need to need, you know, and

764
00:38:22,840 --> 00:38:23,799
Speaker 2: literally I just had a.

765
00:38:23,760 --> 00:38:27,600
Speaker 1: Homeboid saving the back of you listened to Brown Ambition

766
00:38:27,680 --> 00:38:31,560
Speaker 1: early days. I got seven savings accounts and six months

767
00:38:31,600 --> 00:38:36,000
Speaker 1: of expensive No, she's dead, she's gone, She's she.

768
00:38:36,120 --> 00:38:38,719
Speaker 2: Literally my boy told me today he was like, I'm

769
00:38:38,760 --> 00:38:40,600
Speaker 2: debating whether I'm going to the same thing. He said,

770
00:38:40,640 --> 00:38:42,840
Speaker 2: I'm trying to figure I'm gonna pay my daughter's school

771
00:38:42,880 --> 00:38:46,000
Speaker 2: fees or rent this month. Let's see, I said. He

772
00:38:46,160 --> 00:38:48,520
Speaker 2: was literally serious, and he's like gamefully employed, got his

773
00:38:48,600 --> 00:38:51,320
Speaker 2: master's and I was like, wait, these are the choices.

774
00:38:51,400 --> 00:38:55,520
Speaker 2: He's like like I don't even And so I'm thinking

775
00:38:55,560 --> 00:38:59,040
Speaker 2: to myself like I don't know, like I don't know

776
00:38:59,200 --> 00:39:01,080
Speaker 2: what there is, almost like there has to be this

777
00:39:01,200 --> 00:39:04,600
Speaker 2: other solution, and so like the solution that's happening in

778
00:39:04,640 --> 00:39:08,160
Speaker 2: my family is family, you know, Like I remember like

779
00:39:08,200 --> 00:39:10,120
Speaker 2: when I was really, really, really struggling, and everybody does

780
00:39:10,120 --> 00:39:12,440
Speaker 2: not have this. I know, I know this is from

781
00:39:12,520 --> 00:39:15,880
Speaker 2: the place of the most luxurious, most privileged place to

782
00:39:15,920 --> 00:39:17,759
Speaker 2: be able to have family that I was able to

783
00:39:17,880 --> 00:39:19,480
Speaker 2: when I was struggling. At my heart is to be

784
00:39:19,480 --> 00:39:22,160
Speaker 2: able to sleep back home with my parents, like in

785
00:39:22,280 --> 00:39:24,160
Speaker 2: you know, getting back in my middle school bed, and

786
00:39:24,200 --> 00:39:25,919
Speaker 2: then after that being able to stay with my sister

787
00:39:26,040 --> 00:39:28,560
Speaker 2: in her one bedroom and then being able to return

788
00:39:28,600 --> 00:39:30,200
Speaker 2: the favor to her when she needed a place. And

789
00:39:30,239 --> 00:39:32,640
Speaker 2: now then she stayed with me. But I think about

790
00:39:32,680 --> 00:39:34,359
Speaker 2: like my sister and I to put my sister Carol.

791
00:39:34,320 --> 00:39:36,719
Speaker 2: I know she probably remember why tomorrow, but not to

792
00:39:36,760 --> 00:39:39,600
Speaker 2: put her business out there, because you know, she's got

793
00:39:39,600 --> 00:39:45,720
Speaker 2: two kids. She's and yeah, and she just told yes.

794
00:39:46,080 --> 00:39:48,959
Speaker 2: And although she makes good money, she was like the same.

795
00:39:49,040 --> 00:39:51,680
Speaker 2: So she was renting a place that we helped her find.

796
00:39:52,400 --> 00:39:54,879
Speaker 2: And at the time, I want to say, rent was

797
00:39:55,040 --> 00:39:58,399
Speaker 2: like nineteen hundred, do you know. And that was because

798
00:39:58,520 --> 00:40:00,279
Speaker 2: at the time Amelia was list she was like nine

799
00:40:00,320 --> 00:40:03,200
Speaker 2: months pregnant. So Amelia was like and Millias now just

800
00:40:03,239 --> 00:40:05,640
Speaker 2: turned seven, and so she's been She stayed there for

801
00:40:05,680 --> 00:40:09,240
Speaker 2: about seven years. That place it was either maybe nineteen

802
00:40:09,320 --> 00:40:11,600
Speaker 2: or even had sixteen hundred at the time. That place

803
00:40:11,680 --> 00:40:13,680
Speaker 2: is now that every year, the way it goes up

804
00:40:13,719 --> 00:40:17,840
Speaker 2: astronomically right now is twenty seven hundred dollars. And she

805
00:40:18,000 --> 00:40:19,600
Speaker 2: was like and then she said before she left, she

806
00:40:19,640 --> 00:40:21,200
Speaker 2: was like, oh, we're there, like we're raising another three

807
00:40:21,239 --> 00:40:23,880
Speaker 2: hundred dollars a month. I'm like, wait, what so I

808
00:40:23,920 --> 00:40:26,040
Speaker 2: was like, how would you even She's like, so this

809
00:40:26,080 --> 00:40:29,400
Speaker 2: is a sister. Thank god that I had bought this condo,

810
00:40:29,920 --> 00:40:31,600
Speaker 2: because I was like, I can't believe in two places.

811
00:40:31,600 --> 00:40:33,360
Speaker 2: So I just told her, you can live in my

812
00:40:33,400 --> 00:40:35,759
Speaker 2: house cause honestly, that is my house with Drew, so

813
00:40:35,800 --> 00:40:38,040
Speaker 2: I don't want strangers to live in that house. Draw

814
00:40:38,080 --> 00:40:40,279
Speaker 2: and I would always discuss that if we ever moved out,

815
00:40:40,280 --> 00:40:42,359
Speaker 2: that Carol could live there. And so I told her,

816
00:40:42,400 --> 00:40:44,719
Speaker 2: you can live here and just cover the carrying costs,

817
00:40:44,719 --> 00:40:47,360
Speaker 2: which is the you know, which is about fifteen hundred dollars,

818
00:40:47,360 --> 00:40:52,200
Speaker 2: which that that's that's the what's it called taxis you know,

819
00:40:52,360 --> 00:40:55,520
Speaker 2: like you know, utilities are not so crazy and like

820
00:40:56,320 --> 00:40:59,000
Speaker 2: other little like whatever like insurance, whatever's about fifteen hundred.

821
00:40:59,040 --> 00:41:00,880
Speaker 2: So she took go from twenty seven really it was

822
00:41:00,880 --> 00:41:03,400
Speaker 2: gonna be three thousand in a minute to fifteen hundred.

823
00:41:03,480 --> 00:41:06,480
Speaker 2: It's a huge saving. And the fact that the kids

824
00:41:06,560 --> 00:41:09,240
Speaker 2: school is literally down the street, and so the blessing

825
00:41:09,360 --> 00:41:10,640
Speaker 2: is now that they're seven and eight, you know, they

826
00:41:10,640 --> 00:41:12,080
Speaker 2: go to public school. She doesn't have to because I

827
00:41:12,080 --> 00:41:15,560
Speaker 2: remember when she was paying rent and daycare for two kids,

828
00:41:16,320 --> 00:41:18,080
Speaker 2: which honestly, I just had to take a bill. I

829
00:41:18,200 --> 00:41:20,680
Speaker 2: was like, I'm just gonna take a bit because there's

830
00:41:20,680 --> 00:41:21,879
Speaker 2: just no way you're gonna be able to make it.

831
00:41:22,320 --> 00:41:25,080
Speaker 2: And so I remember going to the daycare center and

832
00:41:25,120 --> 00:41:26,799
Speaker 2: then being like oh because they thought because we look

833
00:41:26,840 --> 00:41:28,640
Speaker 2: at like I guess and they'll go, don't forget you

834
00:41:28,640 --> 00:41:30,239
Speaker 2: you oh sad to such And I was like wait,

835
00:41:30,280 --> 00:41:33,120
Speaker 2: what what's old? And they were like oh you know,

836
00:41:33,200 --> 00:41:36,040
Speaker 2: And I was like, okay, I told them from now

837
00:41:36,040 --> 00:41:39,239
Speaker 2: one just send that to me because I know she

838
00:41:39,320 --> 00:41:41,000
Speaker 2: must be freaking out, like what am I gonna like

839
00:41:41,040 --> 00:41:42,920
Speaker 2: what kind of if the kids don't go to daycare?

840
00:41:43,120 --> 00:41:44,279
Speaker 2: How am I gonna go to work? If I don't

841
00:41:44,280 --> 00:41:45,840
Speaker 2: go to work, how am I gonna pay for anything anything?

842
00:41:46,360 --> 00:41:49,880
Speaker 2: You know? And so like what I tell you, like fuck,

843
00:41:50,520 --> 00:41:52,719
Speaker 2: I mean even now, like I try my best to

844
00:41:52,800 --> 00:41:54,759
Speaker 2: like I don't know what people do. That that is

845
00:41:54,800 --> 00:41:57,160
Speaker 2: the solution that've come up, but it's not a universal solution.

846
00:41:57,560 --> 00:42:00,879
Speaker 1: The solution is like four one k. I mean, try

847
00:42:00,880 --> 00:42:04,320
Speaker 1: to get a balanced transfer credit card. You think about

848
00:42:04,440 --> 00:42:07,120
Speaker 1: more for one kid, you know, withdraw and you're like,

849
00:42:07,200 --> 00:42:10,479
Speaker 1: well shit, like when's it going to end? You think

850
00:42:10,640 --> 00:42:13,160
Speaker 1: I'm a piece of garbage. Because I should know better.

851
00:42:14,840 --> 00:42:17,759
Speaker 1: But then you also realize what stories like this that

852
00:42:17,840 --> 00:42:19,360
Speaker 1: you're not the only one, And I'm like, who is

853
00:42:19,520 --> 00:42:23,400
Speaker 1: doing something about Like this is why we need to vote.

854
00:42:25,880 --> 00:42:30,120
Speaker 1: I will point out there is like economists they know

855
00:42:30,239 --> 00:42:32,480
Speaker 1: about this housing crisis, like they know about the housing

856
00:42:32,520 --> 00:42:35,200
Speaker 1: shortage and the only way to fix it. I was

857
00:42:35,239 --> 00:42:37,799
Speaker 1: listening to we should put a link in the show notes. Yeah,

858
00:42:39,080 --> 00:42:43,160
Speaker 1: the wonder One of the solutions is to aggressively build

859
00:42:43,400 --> 00:42:46,400
Speaker 1: new homes in America. We need like the whole supply

860
00:42:46,440 --> 00:42:49,600
Speaker 1: and demand of it all. They're just like sense because

861
00:42:49,600 --> 00:42:52,719
Speaker 1: of the housing crisis. Builders and I'll give you an

862
00:42:52,760 --> 00:42:55,719
Speaker 1: even more personal example. My uncle and my on my

863
00:42:55,760 --> 00:42:58,160
Speaker 1: mom's side in Georgia, they used to own a building.

864
00:42:59,080 --> 00:43:01,040
Speaker 1: He owned a building company and they built homes all

865
00:43:01,080 --> 00:43:05,040
Speaker 1: over Fayette County, Georgia and probably other places. And they

866
00:43:05,080 --> 00:43:07,520
Speaker 1: shut down in the wake of the recession because they

867
00:43:07,560 --> 00:43:09,439
Speaker 1: had to they where there were no one was buying homes,

868
00:43:09,480 --> 00:43:12,000
Speaker 1: everyone was defaulting. There was no money for builders, and

869
00:43:12,040 --> 00:43:14,040
Speaker 1: so builders like him stop building. And you know what

870
00:43:14,080 --> 00:43:20,040
Speaker 1: business he got into property management because of the renters surge,

871
00:43:20,400 --> 00:43:22,880
Speaker 1: because se many people were pushed at traditional home ownerships

872
00:43:22,880 --> 00:43:26,839
Speaker 1: so now we're renting. So these private equity firms are

873
00:43:26,840 --> 00:43:29,799
Speaker 1: going into these neighborhoods, buying up single family homes and

874
00:43:29,800 --> 00:43:31,239
Speaker 1: fail them and renting them.

875
00:43:31,400 --> 00:43:33,520
Speaker 2: Right, they'd be calling me all day every day.

876
00:43:33,840 --> 00:43:36,920
Speaker 1: Yes, then they hire a company like my uncles to

877
00:43:37,320 --> 00:43:40,160
Speaker 1: manage those properties. So my uncle was managing a portfolio

878
00:43:40,200 --> 00:43:42,840
Speaker 1: I just talked to the other day, a portfolio of

879
00:43:42,840 --> 00:43:46,839
Speaker 1: nearly five hundred single family homes across Georgia. Right, tell

880
00:43:46,840 --> 00:43:48,680
Speaker 1: me why that man is richer than he's ever been

881
00:43:48,719 --> 00:43:50,680
Speaker 1: in his life. He's like, I'm about to buy a chopper.

882
00:43:50,800 --> 00:43:54,799
Speaker 1: He's gonna go buy a whole helicopter. He owns multiple properties.

883
00:43:54,840 --> 00:43:57,320
Speaker 1: I'm not throwing I mean I'm a little bit throwing shade.

884
00:43:57,600 --> 00:44:03,200
Speaker 1: But this industry property managers, these private equity firms, they

885
00:44:03,239 --> 00:44:07,520
Speaker 1: are it is so rich, this off the backs of renters.

886
00:44:07,600 --> 00:44:11,160
Speaker 1: And of course they're raising rent crisis because they can't

887
00:44:11,640 --> 00:44:17,520
Speaker 1: because it's capitalism, because they have the vocation and they

888
00:44:17,760 --> 00:44:19,879
Speaker 1: are baking in. This is one of the things that

889
00:44:19,960 --> 00:44:22,680
Speaker 1: Stacy covers in her pot in a recent episode. Well

890
00:44:22,680 --> 00:44:25,120
Speaker 1: that's an antidote for me and my family. But just

891
00:44:25,160 --> 00:44:27,799
Speaker 1: to tie it in, like she talks about how she

892
00:44:27,880 --> 00:44:31,000
Speaker 1: talks to an eviction activist who's trying to help because

893
00:44:31,040 --> 00:44:34,920
Speaker 1: and she's saying, how these the business models of these companies,

894
00:44:35,000 --> 00:44:36,560
Speaker 1: they bake in the fact that you're going to have

895
00:44:36,560 --> 00:44:39,279
Speaker 1: to evict people. They plan for it. They don't try

896
00:44:39,320 --> 00:44:41,520
Speaker 1: to prevent it. It's like, yeah, you'll have the churn,

897
00:44:42,080 --> 00:44:44,640
Speaker 1: and it's like put an eviction notice up. We're going

898
00:44:44,719 --> 00:44:46,680
Speaker 1: to tell them that their rent is going up, they're

899
00:44:46,680 --> 00:44:48,960
Speaker 1: probably gonna have to leave, and we'll just you know,

900
00:44:49,000 --> 00:44:51,800
Speaker 1: flip it to the next person. And it's very nefarious.

901
00:44:51,840 --> 00:44:53,799
Speaker 1: But one of the biggest things is we need a

902
00:44:53,800 --> 00:44:58,759
Speaker 1: big intervention local government federal government probably both like to

903
00:44:58,920 --> 00:45:03,160
Speaker 1: actually build how housing or subsidized housing for people. I

904
00:45:03,200 --> 00:45:06,480
Speaker 1: know that's one of Kamala's platform pieces, you know, for

905
00:45:08,000 --> 00:45:11,480
Speaker 1: for her campaign, is to have more down payment assistance.

906
00:45:11,520 --> 00:45:14,520
Speaker 1: But I'm also like, bring back the fucking salt deduction.

907
00:45:14,920 --> 00:45:16,319
Speaker 1: Do you know about that? I mean, I know you

908
00:45:16,320 --> 00:45:19,239
Speaker 1: paid for yeah, but before the Trump tax cut of

909
00:45:19,280 --> 00:45:25,360
Speaker 1: twenty seventeen, he eliminated the salt tax deduction for homeowners,

910
00:45:25,360 --> 00:45:28,440
Speaker 1: so that was stayed in local tax So your property taxes,

911
00:45:28,800 --> 00:45:30,879
Speaker 1: you used to be able to deduct those from your

912
00:45:31,000 --> 00:45:34,640
Speaker 1: taxable income. And that's why it was like, Oh, become

913
00:45:34,680 --> 00:45:37,360
Speaker 1: a homeowner, it's beneficial for you. You get a tax break.

914
00:45:37,440 --> 00:45:38,640
Speaker 2: Ye, there's zero.

915
00:45:39,360 --> 00:45:40,799
Speaker 1: You know, we did all the things, we put in

916
00:45:40,800 --> 00:45:43,400
Speaker 1: the energy efficient windows, we got an electric car, we

917
00:45:43,440 --> 00:45:46,520
Speaker 1: get those little tax credits here and there, but like

918
00:45:46,920 --> 00:45:49,520
Speaker 1: there's no benefit, Like it's just straight up coming out

919
00:45:49,520 --> 00:45:51,920
Speaker 1: of our pockets. So if we could have for the

920
00:45:52,000 --> 00:45:55,320
Speaker 1: existing homeowners, this is my bid to the Harris campaign.

921
00:45:56,080 --> 00:45:58,480
Speaker 1: Cute for people who want to buy their homes, down

922
00:45:58,520 --> 00:46:01,239
Speaker 1: payment assistance amazing, But like for those of us who

923
00:46:01,320 --> 00:46:05,920
Speaker 1: are in these homes dealing suffering from the rising cost

924
00:46:06,000 --> 00:46:08,319
Speaker 1: of our properties and the taxes that go, like, make

925
00:46:08,440 --> 00:46:11,760
Speaker 1: it a deduction again, so that we can fucking breathe.

926
00:46:12,280 --> 00:46:15,040
Speaker 1: Because I loot an affordable home within my budget. It's

927
00:46:15,040 --> 00:46:18,720
Speaker 1: not my past that these fucking taxes are making it unaffordable.

928
00:46:19,120 --> 00:46:23,759
Speaker 1: You know. Yeah, I didn't know I had that on

929
00:46:23,800 --> 00:46:25,680
Speaker 1: my spirit, but I think, no, I'm so glad.

930
00:46:25,520 --> 00:46:27,520
Speaker 2: Because it's really the truth that is of Look when

931
00:46:27,560 --> 00:46:29,200
Speaker 2: I look back when I moved into my house and

932
00:46:29,239 --> 00:46:31,680
Speaker 2: know my taxes were seventy five hundred, I believe they're

933
00:46:31,719 --> 00:46:34,840
Speaker 2: close to thirteen hundred. I mean, like, how do they do?

934
00:46:35,080 --> 00:46:36,960
Speaker 2: Like I actually I haven't even fought them yet, but

935
00:46:37,000 --> 00:46:39,160
Speaker 2: I'm gonna because I'm just like and I don't know.

936
00:46:39,480 --> 00:46:41,200
Speaker 1: One hundred and now they're thirteen thousand.

937
00:46:41,520 --> 00:46:43,560
Speaker 2: Yeah, thirteen thousand, that's what I mean. Can you imagine?

938
00:46:44,040 --> 00:46:44,719
Speaker 1: Yes, I can't.

939
00:46:44,800 --> 00:46:48,520
Speaker 2: Like, I'm like, how did they double what the entire house? Yeah?

940
00:46:48,719 --> 00:46:52,040
Speaker 1: Because yeah, like in the same situation, home property price

941
00:46:52,120 --> 00:46:52,680
Speaker 1: is going up.

942
00:46:53,040 --> 00:46:54,719
Speaker 2: Yeah, it's like going because I bought I remember, I

943
00:46:54,760 --> 00:46:56,480
Speaker 2: bought that house for one eighty At the time it

944
00:46:56,560 --> 00:46:58,480
Speaker 2: was worth like three sixty something like that, but it

945
00:46:58,520 --> 00:47:00,840
Speaker 2: was a foreclosure. And now they're saying it's we're five twenty.

946
00:47:01,160 --> 00:47:04,080
Speaker 2: So I was like, we wait what it sounds good?

947
00:47:04,120 --> 00:47:07,040
Speaker 2: But to your point, so I got to, what does

948
00:47:07,080 --> 00:47:11,320
Speaker 2: that mean as far as paying these taxes? Yeah? Oh girl,

949
00:47:11,440 --> 00:47:16,000
Speaker 2: I just I don't know. To your point, there has

950
00:47:16,040 --> 00:47:19,040
Speaker 2: to be an intervention because this is beyond budgeting, This

951
00:47:19,080 --> 00:47:23,279
Speaker 2: is beyond the fiscal responsibility like it is. It just is.

952
00:47:23,320 --> 00:47:26,200
Speaker 2: There has to be an intervention because you know, you're

953
00:47:26,239 --> 00:47:28,480
Speaker 2: forcing people to want you're going, you know, all of

954
00:47:28,520 --> 00:47:29,960
Speaker 2: a sudden, you will have people who are working who

955
00:47:29,960 --> 00:47:30,840
Speaker 2: are also homeless.

956
00:47:31,120 --> 00:47:35,080
Speaker 1: Than what I've never like people think all kinds of

957
00:47:35,120 --> 00:47:38,319
Speaker 1: things about families and where my zip code and where

958
00:47:38,360 --> 00:47:40,520
Speaker 1: I live and how much money I have, and I'm like,

959
00:47:40,920 --> 00:47:44,319
Speaker 1: we are it is the edge. That's where we are.

960
00:47:44,320 --> 00:47:47,360
Speaker 1: We're living on the edge, and you know we're going

961
00:47:47,440 --> 00:47:49,440
Speaker 1: to get through because where there's a will, there's a way.

962
00:47:49,920 --> 00:47:52,640
Speaker 1: But I'm just so many family. Like you said family

963
00:47:52,680 --> 00:47:55,000
Speaker 1: and support. I would just say it was even cathartic

964
00:47:55,040 --> 00:47:58,280
Speaker 1: telling utivity, and I feel like, just tell your family

965
00:47:58,320 --> 00:48:01,000
Speaker 1: if you're really struggling, because I I think the credit

966
00:48:01,000 --> 00:48:03,839
Speaker 1: card debt to me just signifies that we are. We

967
00:48:04,000 --> 00:48:07,600
Speaker 1: are keeping it moving. We're turning to our credit card,

968
00:48:07,600 --> 00:48:09,560
Speaker 1: we're swiping at the grocery store because we have high

969
00:48:09,600 --> 00:48:12,239
Speaker 1: credit lines. It's gonna clear. We don't always know how

970
00:48:12,239 --> 00:48:14,560
Speaker 1: we're gonna pay it off, but we're like not, we're

971
00:48:14,560 --> 00:48:17,600
Speaker 1: not like raising a hand asking for help whatever, at

972
00:48:17,680 --> 00:48:19,520
Speaker 1: least not even a lot of people can help. But

973
00:48:19,640 --> 00:48:22,319
Speaker 1: just talk about it so you don't feel so alone,

974
00:48:22,880 --> 00:48:26,760
Speaker 1: because it's real and it's stressful. It is stressful.

975
00:48:28,600 --> 00:48:31,239
Speaker 2: Maybe we can have like so you know, my best

976
00:48:31,280 --> 00:48:32,880
Speaker 2: friend Linda is a social worker, and one of the

977
00:48:32,920 --> 00:48:34,600
Speaker 2: things I really loved about Linda is She's like, there's

978
00:48:34,600 --> 00:48:37,520
Speaker 2: so many resources like whenever someone there, like, she's like, no,

979
00:48:37,600 --> 00:48:40,680
Speaker 2: there's like these, there's resources for housing, there's resources for childcare,

980
00:48:40,719 --> 00:48:43,000
Speaker 2: there's resources for this. I don't know. Maybe we can

981
00:48:43,040 --> 00:48:44,719
Speaker 2: have someone come on to talk about how do you

982
00:48:44,719 --> 00:48:48,440
Speaker 2: find resources in your you know, locale like because she's

983
00:48:48,480 --> 00:48:50,279
Speaker 2: really good at like you know, like Jersey is her

984
00:48:50,320 --> 00:48:52,600
Speaker 2: like specialty because that's where she lives and she's from.

985
00:48:53,000 --> 00:48:54,680
Speaker 2: But she was like, she was just helping a girlfriend

986
00:48:54,680 --> 00:48:56,920
Speaker 2: of mine with the resources. She lives in Pennsylvania. She

987
00:48:57,000 --> 00:48:58,600
Speaker 2: was able to find a ton of resources. I'm like,

988
00:48:58,600 --> 00:49:00,480
Speaker 2: how did you She's like, this is what they teach

989
00:49:00,520 --> 00:49:03,040
Speaker 2: you in social work school. Basically, she's just got her masters.

990
00:49:03,080 --> 00:49:05,160
Speaker 2: She's got her bachelors and zoost work now her masters,

991
00:49:05,360 --> 00:49:07,480
Speaker 2: and she's like, you know, there are resources that people

992
00:49:07,520 --> 00:49:10,560
Speaker 2: don't know to tap into places to go. So maybe

993
00:49:10,560 --> 00:49:13,600
Speaker 2: we can have someone come on to like I don't.

994
00:49:13,480 --> 00:49:15,600
Speaker 1: Love that, but they'd have to talk about like what

995
00:49:15,640 --> 00:49:17,799
Speaker 1: do you do when you're middle to high income and

996
00:49:17,880 --> 00:49:20,279
Speaker 1: like you don't qualify for a lot of something.

997
00:49:20,360 --> 00:49:22,080
Speaker 2: The one thing about Linda is I have never heard

998
00:49:22,080 --> 00:49:24,359
Speaker 2: her say there's nothing for you. I've never heard her

999
00:49:24,400 --> 00:49:27,919
Speaker 2: say that help me, Linda, I know I've never heard.

1000
00:49:27,960 --> 00:49:29,320
Speaker 1: Oh. The one thing I am going to do is

1001
00:49:29,320 --> 00:49:31,799
Speaker 1: I'm going to finish my paperwork to be designated a

1002
00:49:31,800 --> 00:49:34,799
Speaker 1: minority owned women business so that I yes, so I

1003
00:49:34,880 --> 00:49:37,759
Speaker 1: can apply for grants and funding and stuff like that,

1004
00:49:37,880 --> 00:49:39,920
Speaker 1: even for Brown Ambition. You know, it's just kind of

1005
00:49:39,960 --> 00:49:42,120
Speaker 1: silly that I well, it's not silly because that application

1006
00:49:42,200 --> 00:49:44,600
Speaker 1: was a pain in the news, but I dropped it

1007
00:49:44,640 --> 00:49:48,839
Speaker 1: and that's that's certainly one thing I can do. But yeah,

1008
00:49:48,880 --> 00:49:53,600
Speaker 1: that was our joint Browned, Brown, Break and Slash. Like

1009
00:49:53,640 --> 00:49:56,400
Speaker 1: what if Kidfury and Crystal did a read on housing prices?

1010
00:49:56,400 --> 00:49:57,319
Speaker 1: That's what you did. Got here.

1011
00:50:00,200 --> 00:50:02,719
Speaker 2: We just also to want to thank you guys for

1012
00:50:02,800 --> 00:50:05,320
Speaker 2: all the you know, you heard our last episode. I

1013
00:50:05,480 --> 00:50:07,080
Speaker 2: just want to thank you because it's just been so

1014
00:50:09,040 --> 00:50:11,880
Speaker 2: I mean, it's been hard, but honestly, the support that

1015
00:50:11,920 --> 00:50:16,160
Speaker 2: you have just poured into us, you know, this has

1016
00:50:16,160 --> 00:50:18,239
Speaker 2: been really beautiful to see. I love everyone's like, girl, Mandy,

1017
00:50:18,280 --> 00:50:20,560
Speaker 2: we got you, girl, like we gonna shoot Hm and Bud.

1018
00:50:21,239 --> 00:50:25,640
Speaker 2: You know, that's been really beautiful and so that's probably

1019
00:50:25,640 --> 00:50:27,719
Speaker 2: been my favorite part that people are like, oh, I

1020
00:50:27,880 --> 00:50:30,840
Speaker 2: cried I'm sad about it, but I'm also here and

1021
00:50:30,920 --> 00:50:33,400
Speaker 2: excited to see what Mandy's gonna do. For those of

1022
00:50:33,440 --> 00:50:35,360
Speaker 2: you like what's happening, I'm like, well, go listen to

1023
00:50:35,360 --> 00:50:37,799
Speaker 2: the last episode. Yeah, because there's too much to say

1024
00:50:37,800 --> 00:50:40,640
Speaker 2: in one. But I just love this equal parts of

1025
00:50:40,840 --> 00:50:43,880
Speaker 2: although I'm sad about it, I'm also excited and I

1026
00:50:43,920 --> 00:50:46,880
Speaker 2: can't look forward to like continuing to like support Mandy

1027
00:50:46,920 --> 00:50:49,520
Speaker 2: and continuing to like lean in. So there is equal

1028
00:50:49,560 --> 00:50:53,080
Speaker 2: measure of like sadness but excitement. Yeah, and so you

1029
00:50:53,080 --> 00:50:54,319
Speaker 2: know we're like grateful for that.

1030
00:50:54,960 --> 00:51:00,239
Speaker 1: You're the hotocopy of brown ambition. I know, hold on, wow,

1031
00:51:00,960 --> 00:51:03,560
Speaker 1: that's I loved it though, because it does it is.

1032
00:51:03,840 --> 00:51:05,799
Speaker 1: I don't know, I just really loved watching her send

1033
00:51:05,800 --> 00:51:08,480
Speaker 1: off happened the day after our episode aired, and I

1034
00:51:08,600 --> 00:51:11,000
Speaker 1: was just like, this is how it feels. I wish

1035
00:51:11,080 --> 00:51:13,680
Speaker 1: I had a whole couch full of other anchors to

1036
00:51:13,800 --> 00:51:17,160
Speaker 1: just gush about how much we love you. But I

1037
00:51:17,160 --> 00:51:19,359
Speaker 1: think the audience can feel that, and I think it's

1038
00:51:19,440 --> 00:51:24,080
Speaker 1: like you're very special. But also there's this level of

1039
00:51:24,120 --> 00:51:27,279
Speaker 1: excitement and pride in the person for being press to

1040
00:51:27,400 --> 00:51:30,239
Speaker 1: say that's it, and and it just clicked for me.

1041
00:51:30,320 --> 00:51:31,960
Speaker 1: I'm like, this is what you coach women how to

1042
00:51:32,000 --> 00:51:35,480
Speaker 1: do all the time. There's no one to walk away.

1043
00:51:36,080 --> 00:51:39,520
Speaker 1: So yeah, I'm super proud. I'm and thank you to

1044
00:51:39,560 --> 00:51:42,600
Speaker 1: be a fan for sure. For yeah, yeah, just the

1045
00:51:42,680 --> 00:51:46,000
Speaker 1: support can keep it up. Don't forget about us. She's

1046
00:51:46,040 --> 00:51:47,279
Speaker 1: still here through the end of the year.

1047
00:51:47,640 --> 00:51:50,719
Speaker 2: Yes, and we have our show. Hello, we better come.

1048
00:51:51,000 --> 00:51:52,520
Speaker 2: We got literally like once to get left.

1049
00:51:53,040 --> 00:51:55,480
Speaker 1: Yeah, yeah, there might be half a ticket. There's going

1050
00:51:55,560 --> 00:51:56,479
Speaker 1: to be a wait list, but.

1051
00:51:57,280 --> 00:52:00,719
Speaker 3: Yes, our first live show two is not little never

1052
00:52:00,760 --> 00:52:06,000
Speaker 3: too late before we are Yeah, October tenth, We're going

1053
00:52:06,080 --> 00:52:11,440
Speaker 3: to be live in Newark, Tiffany's hometown, well now hometown,

1054
00:52:11,640 --> 00:52:14,680
Speaker 3: And you can go to Brandambission podcast dot com if

1055
00:52:14,719 --> 00:52:16,640
Speaker 3: you want to try to fight over this last ticket

1056
00:52:16,640 --> 00:52:17,440
Speaker 3: that we have.

1057
00:52:20,239 --> 00:52:22,360
Speaker 1: If not, you can join the wait list. I'm sending

1058
00:52:22,400 --> 00:52:24,879
Speaker 1: Tiffany on a recon mission to see if we can't

1059
00:52:24,880 --> 00:52:27,000
Speaker 1: fit more than however many people that we have.

1060
00:52:27,560 --> 00:52:28,839
Speaker 2: Yeah, I'm gonna go. I'm just going to go there

1061
00:52:28,880 --> 00:52:31,000
Speaker 2: today like after a podcast to like just you know,

1062
00:52:31,400 --> 00:52:33,279
Speaker 2: go in, maybe get some video to your point. Are

1063
00:52:33,280 --> 00:52:34,640
Speaker 2: you you free the rest of it because I will

1064
00:52:34,680 --> 00:52:36,080
Speaker 2: video chat you if I get their time.

1065
00:52:36,200 --> 00:52:40,400
Speaker 1: Yeah, I'm free. Okay, thank you, but BA fan Brandimission

1066
00:52:40,400 --> 00:52:42,760
Speaker 1: podcast dot com if you want to buy your ticket,

1067
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Speaker 1: just one. Maybe there'll be a couple and there's going

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00:52:47,040 --> 00:52:48,799
Speaker 1: to be a waitlist. And what else do I want

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00:52:48,840 --> 00:52:52,799
Speaker 1: to say? I got a DM from an Instagram fan

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Speaker 1: who says she's flying in from Savannah, Georgia No, which

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Speaker 1: I'm like, shout out to that round trip because that

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Speaker 1: reminds me of my wedding. Because the tickets for some

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Speaker 1: reason between Savannah and Newark are very cute, very contective.

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Speaker 2: I love that.

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Speaker 1: Yeah, so what's put on a good show for y'all.

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Speaker 1: I'm very very excited, all right, y'all.

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Speaker 2: And so what we're gonna see you on Friday, b

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Speaker 2: a QA.

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Speaker 1: See your Friday. Bye b I vam