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Speaker 1: Hey, hey, hey, jass hands and scene. I miss y'all.

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Speaker 1: I feels like it's been forever.

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Speaker 2: It's been years, year's days.

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Speaker 1: What twenty four days with that worse? Is it twenty

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Speaker 1: four days twenty four hours? I don't know whatever Tony

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Speaker 1: was saying. I feel like it's that times two thousand.

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Speaker 1: I'm just glad to be here in twenty eighteen, you know,

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Speaker 1: making it great?

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Speaker 2: Eight two thousand year the year. Then we're all gonna

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Speaker 2: do better.

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Speaker 1: Yeah, twenty eighteen is gonna come over here, sit down

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Speaker 1: next to me, don't touch nothing, and behave yourself.

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Speaker 2: Although I think I just said two thousand and eight,

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Speaker 2: so I'm already not doing better now.

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Speaker 1: Oh my gosh. So how was your New Year's Did

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Speaker 1: you do anything special?

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Speaker 2: We just kept it chill. We well, actually, you know

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Speaker 2: how Oh I don't know if you have this issue,

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Speaker 2: but when you have relatives in different like we have

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Speaker 2: two different families now and basically we missed Thanksgiving and

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Speaker 2: Christmas with my mother in law. So she was like,

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Speaker 2: do not even think that you're not going to be

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Speaker 2: here on New Year's Eve? I am I am like reserving,

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Speaker 2: She's like, I'm calling. I'm in advance. I'm going to

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Speaker 2: reserve you guys for New Year's Eve. You're going to

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Speaker 2: be here on my couch eating my food, and it's done.

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Speaker 2: So that's where we work.

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Speaker 1: Yeah, that was cute. I was supposed to spend because

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Speaker 1: we spent Christmas with ourselves and then I hung up

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Speaker 1: my family a little bit. But for New Year's we

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Speaker 1: were spending it with Superman's sister. But I got really sick.

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Speaker 1: The flu like nearly took me out, so instead I

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Speaker 1: spent it at home trying not to die. So I

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Speaker 1: didn't die. I'm here, So that works. So my other

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Speaker 1: thand that is pretty uneventful. Well, let's start a high note.

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Speaker 1: Let's talk about Mama opraen these golden globes, and then

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Speaker 1: we could get then we could take up the trash later.

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Speaker 1: All right, fine, So Lady Oh, Oh, Lady Oh delivered

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Speaker 1: the most amazing, inspiring speech nine full minutes where they

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Speaker 1: did not even turn on the music because they knew

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Speaker 1: better for Lady Oh, and it was just it was

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Speaker 1: just what we needed to hear. And so I just

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Speaker 1: want to I just want to take a moment to

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Speaker 1: say thank you, Oprah. You are the Queen Bee, the

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Speaker 1: Queen Oh, I don't.

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Speaker 2: Even need her to run for president. I don't you know.

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Speaker 2: I know that there's all this speculation about will she

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Speaker 2: or won't she, But I feel like I don't even

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Speaker 2: know if I don't know if Oprah being I mean,

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Speaker 2: obviously I think she'd be an amazing president, but I

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Speaker 2: feel like right now, we just need something to soothe

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Speaker 2: our souls. And I feel like the entire Golden Globes,

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Speaker 2: like Oprah's speech was definitely like the highlight, Like I

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Speaker 2: basically just stopped watching after that. But the whole Globes,

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Speaker 2: with the Me Too movement and all the all the

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Speaker 2: celebrities wearing black and solidarity to show that they, you know,

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Speaker 2: for the Times Up movement, it just feels like we're fine.

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Speaker 2: Like like the fear around the whole Me Too movement

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Speaker 2: was that, you know, is this like a flash in

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Speaker 2: the pan? Is it really going to last? And is

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Speaker 2: it going to like touch people's lives who aren't celebrities

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Speaker 2: and who don't have huge platforms and you know, lots

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Speaker 2: and lots of money, and so to have the Times

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Speaker 2: Up movement that they started, they you know, they put

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Speaker 2: out that they announced it on New Year's day in

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Speaker 2: this like massive splashy like New York Times one page

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Speaker 2: ad and it's three hundred actresses, producers, like high powered

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Speaker 2: women in Hollywood who are getting together. But they're not

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Speaker 2: just you know. Initially I was like, ough, like whatever,

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Speaker 2: they're just you know, it's the rich, celebrity women, you know,

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Speaker 2: trying to create another sort of you know, awareness movement

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Speaker 2: around sexual harassmentch was fine, But what I've really what

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Speaker 2: changed my mind about it was the fact that they

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Speaker 2: are actually creating this Legal Defense Fund, Oh yes, yes,

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Speaker 2: which is meant to They've already raised thirteen million dollars,

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Speaker 2: but then they've opened up a GoFundMe account where you

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Speaker 2: can contribute, and the funds in this Legal Defense Fund

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Speaker 2: are meant to reach women who are not in the

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Speaker 2: same privilege position as them as the founders of this movement,

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Speaker 2: who may not be able to like, who aren't willing

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Speaker 2: to speak up about what's happening to them at work

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Speaker 2: because they're afraid of losing their jobs or they don't

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Speaker 2: have the resources to take people to court.

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Speaker 1: I just love when people who put their money where

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Speaker 1: their mouth is. I mean, not literally because that's nasty,

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Speaker 1: but like, you know, figuratively because it's like you can

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Speaker 1: talk about it, but do you be about it? And

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Speaker 1: so to see women like, you know, in power and

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Speaker 1: positions of power and wealth quite honestly, to say, you

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Speaker 1: know what, everyone is not in our position to come

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Speaker 1: forward and be able to still support themselves. So we're

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Speaker 1: going to do more than just like talk about it.

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Speaker 1: You know, We're going to do something. And to see

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Speaker 1: all the women who were black, except for the unfortunate

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Speaker 1: few that clearly didn't get the memo they don't have friends.

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Speaker 1: I was like, ma'am, why are you wearing a red dress?

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Speaker 1: A red dress? No one told you? I felt bad.

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Speaker 1: It was one lady in particular, wasn't in a text. Yeah,

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Speaker 1: you could tell. She was like wait. I was like, ma'am,

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Speaker 1: are you not in the secret Facebook group where they

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Speaker 1: said everybody were black? Don't play yourself? And it wasn't

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Speaker 1: even like she wore dark green. It was cherry red

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Speaker 1: with cutouts. She was like, I know, but no. It

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Speaker 1: was just really great to see that, you know, even

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Speaker 1: like the subtle, the not so subtle shade of celebs

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Speaker 1: on stage like Natalie Portman when she said and the

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Speaker 1: all male nominees for director are Ron Howard next to

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Speaker 1: her looked like Yi looked like Mike Myers when when

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Speaker 1: Kanye said George Bush doesn't care about black people, he

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Speaker 1: was like, that's not a word exactly. That needs to

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Speaker 1: be a meme, a word, and it was just so

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Speaker 1: dope tall. So also see Tauana Burke, right, the woman

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Speaker 1: that started the Me Too movement?

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Speaker 2: Yep.

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Speaker 1: Yeah, I love the fact that, like, you know, Michelle

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Speaker 1: Williams brought her on the red carpet because I don't

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Speaker 1: want with all of this incredible momentum that that she

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Speaker 1: her name, her legacy and what she started is lost,

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Speaker 1: you know, and taken over. So I'm just glad to

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Speaker 1: see that that's happened.

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Speaker 2: I think it made up for the fact that Time

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Speaker 2: magazine left her off the cover of Person of the

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Speaker 2: Year when they named the Me Too movement. Yea, and

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Speaker 2: they didn't put the founder on the cover. But she's

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Speaker 2: she's doing she's doing just fine.

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Speaker 1: Yeah. A friend of mine is like friends with her,

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Speaker 1: and she she was the one who dropped the ball

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Speaker 1: on New York in New York on New Year's and yeah,

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Speaker 1: they were out there lit with the their fur and

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Speaker 1: their tents. I said, if you don't represent for the

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Speaker 1: East coast. That was awesome. Okay, now time to take

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Speaker 1: out the trash. Let's talk about how somebody's president not

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Speaker 1: our president. Is a tweet hall like, it's so crazy

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Speaker 1: to see two grown men like him and Kim Junk.

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Speaker 1: I'm not going to get the.

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Speaker 2: Kim Jong un yes North Korea.

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Speaker 1: Okay, Yeah, I didn't want to get his name wrong,

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Speaker 1: and I don't want to be disrespectful of his name.

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Speaker 1: I have African name and people were like what, I'm like, girl.

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Speaker 2: So he's threatening to blow us up all the time,

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Speaker 2: So I wouldn't like to upset at you if he

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Speaker 2: didn't get his name right, just saying well, Kim, why

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Speaker 2: little rocketman?

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Speaker 1: No Kim? Oh my god, y'all that is perfect. He

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Speaker 1: who shall not be naming little Kim. We're going back

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Speaker 1: and forth on Twitter. I'm like, what is happening? Is

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Speaker 1: this real life? It's just anyway. But you know, a

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Speaker 1: little gleam in my eye happened when I'm Steve Bannon,

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Speaker 1: Donald Trump's right hand, you know, decided to slap him

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Speaker 1: with it, and I thought, this is great. I cannot wait.

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Speaker 1: Well now that fire and theory, so for those of

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Speaker 1: you who don't know, there's a book that's come out.

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Speaker 1: I guess it was written during the election, not during

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Speaker 1: well during like the actual campaign, time before the election happened.

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Speaker 1: Is that when that book was written.

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Speaker 2: I don't know when it was written, but it covers

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Speaker 2: it covers the Trump campaign in as early days in

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Speaker 2: the administration.

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Speaker 1: And so Steve Bannon, who we've all come to hate like,

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Speaker 1: just had some critical things to say about the president

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Speaker 1: during that time, and they showed up in the book,

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Speaker 1: like he called him I'm patriotic and said that that

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Speaker 1: his meeting with Russia was treasonis basically true thing, true team.

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Speaker 1: But of course the president was livid because he's five

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Speaker 1: and Steve Bannon has now been demoted and demoted again

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Speaker 1: and demoted again, so much so now that he's not

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Speaker 1: even at his beloved media company. Racist right remdia compute

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Speaker 1: what is it called? Barhart? Right?

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Speaker 2: Bright bart same thing, bear.

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Speaker 1: Disrespectable thing. So yeah, I was just like, wow, it

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Speaker 1: was so much going on. I'm like, why look at you,

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Speaker 1: Steve Bannon. He looked disease on the outside, and I'm like,

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Speaker 1: clearly you are slowly dying on the inside, and I'm

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Speaker 1: here for it.

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Speaker 2: The significance of the fall of Steve Bannon, I think,

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Speaker 2: because so if you guys wonder why does this matter,

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Speaker 2: you have to consider that Steve Bannon has these huge,

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Speaker 2: hugely rich supporters who have been giving him money and

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Speaker 2: being like you, now, you go find the next Trump,

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Speaker 2: and you get the next Trump elected in small town USA,

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Speaker 2: all over the country, taking open seats in Congress. And

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Speaker 2: that is what Steve Bannon has been doing, trying to

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Speaker 2: back anti Republican establishment candidates. And so the fact that

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Speaker 2: he's seen such huge, massive donors to his cause back

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Speaker 2: out in the wake of his remarks in this book,

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Speaker 2: and now he stepped down for bright bart News, it's

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Speaker 2: taking away that power. And I think a lot of

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Speaker 2: people are excited about that.

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Speaker 1: Okay, I think yeah, and I just because it's hopefully

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Speaker 1: it's the it's the you know, just another little piece

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Speaker 1: dismantled this disease regime. And that's all we're going to

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Speaker 1: say about that, you know.

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Speaker 2: I mean, at least we have a stable genius in

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Speaker 2: the White House.

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Speaker 1: Yeah, oh, oh my goodness. And so no, you know what,

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Speaker 1: I thought, it was a little bit giggly. So and

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Speaker 1: I I'm sure she's not stupid. But it was funny

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Speaker 1: that when Oprah did her speech the next day, Avanka

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Speaker 1: Trump tweeted her. It was like, oh my god, it

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Speaker 1: was so inspiring. It was amazing. And I saw all

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Speaker 1: these people tweeting her, like, girl, like should I tell her?

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Speaker 1: Should or should we just leave it? To leave her

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Speaker 1: because she's talking about your father Bublue, Like, and I

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Speaker 1: think you mentioned before like that, yes that you you know,

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Speaker 1: you believe that. Obviously she knows, but she's kind of

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Speaker 1: like like a little subtle dig But I'm like, girl,

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Speaker 1: your blood relation. I can't. I can't.

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Speaker 2: I just feel like if there was you know, if

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Speaker 2: you have you seen Get Out, yes I have, if

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Speaker 2: there were such thing as a sunken place for women,

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Speaker 2: like they're in that movie, there was a sunken place

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Speaker 2: where African Americans would go. I feel like she's in

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Speaker 2: the sunken place of womanhood, Like she's just I mean,

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Speaker 2: how could you be in this, in this administration supporting

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Speaker 2: it as a woman. I just feel like her, Sarah Huckabee,

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Speaker 2: they're in the sunken place for women. That's how I feel.

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Speaker 1: Yeah, well, you know, hopefully they arise out of that

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Speaker 1: sunken place and if not, they will sync with the

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Speaker 1: ship and we will wave at them from the top. Oh,

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Speaker 1: any other buzz things that you want to talk about.

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Speaker 2: I do want to mention real quick at speaking of

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Speaker 2: the Globes, just real quick to because I don't think

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Speaker 2: we mentioned earlier that there were some first a lot

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Speaker 2: of first I mean, apart from Viola Davis being amazing

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Speaker 2: with her natural hair, a couple of like first time winners.

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Speaker 2: So Sterling K. Brown became the first African American man

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Speaker 2: to win in his category Best Actor in a Drama.

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Speaker 2: Oprah of course was like not just making history with

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Speaker 2: her speech, but just her mere presence winning that award.

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Speaker 2: She was the first African American woman to win that award.

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Speaker 2: It was called the Cecil be the Cecil b Merit Award.

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Speaker 2: I forget Cecil something award by the by the Golden Globes.

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Speaker 2: And who was the third one, Oh Azizanzari. Yeah, he

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Speaker 2: was the first Asian to win. But I think he

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Speaker 2: was Best Actor in a Comedy for Master of None.

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Speaker 1: Yes, I like when I saw that, I was like,

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Speaker 1: because I honestly I love him. He seems like the

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Speaker 1: guy from high school that was like in your like

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Speaker 1: you know, English class that had you rolling in the

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Speaker 1: back and you were like, ausise, I'm gonna get an ass,

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Speaker 1: stop making me laugh. Oh yes, I'm just And honestly,

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Speaker 1: it was a magical knighte people's speeches were just great

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Speaker 1: and yeah, I'm just I'm just proud of all the

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Speaker 1: brown ambition that we saw on stage.

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Speaker 2: Absolutely, there could have been a little bit more. It

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Speaker 2: did sort of feel like if you watched the whole

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Speaker 2: show all the way through, it did feel a little

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Speaker 2: bit like I only wish that more women of color

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Speaker 2: had won awards because I feel like the people who

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Speaker 2: won were getting a lot of time to speak, and

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Speaker 2: you really didn't hear but one women of color or

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Speaker 2: one at black woman's voice that I can recall now.

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Speaker 2: I remember I stopped watching like later in the show,

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Speaker 2: But I don't think that there were significant women of

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Speaker 2: color who won besides Oprah. So until Oprah spoke, I

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Speaker 2: didn't see any other you know, of color making speeches.

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Speaker 2: It was a lot of white women who had who

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Speaker 2: were winning you know, awards in their category, which was great.

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Speaker 2: But I think just because there weren't as many winners

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Speaker 2: of color, you didn't you didn't like hear those voices

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Speaker 2: as much. This was kind of sad, but yeah, you know, yeah.

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Speaker 1: No, yeah, Now we got to take a week of

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Speaker 1: take and push back.

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Speaker 2: But I am. I am excited for the new year.

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Speaker 2: I I know, right before the before we broke for

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Speaker 2: the holiday, we had talked about resolutions and like paying

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Speaker 2: down debt and stuff, and I wanted to reveal bomb

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Speaker 2: so some some numbers around debt around the holidays. So

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Speaker 2: every year Magnify Money, we put out the survey and

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Speaker 2: we ask people the week after Christmas, you know, did

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Speaker 2: you take out did you take on debt over the holidays?

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Speaker 2: And if you did, how much debt? And for the

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Speaker 2: past three years we've been doing this survey and guess

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Speaker 2: which direction the number is going up? Up, up, up. Yeah.

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Speaker 1: So actually I don't get it.

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Speaker 2: Well, I think that people well I think honestly, so

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Speaker 2: the economy's doing really well. The markets have been amazing,

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Speaker 2: like having record market returns and not just that, but

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Speaker 2: unemployment is at an all time low. So I think

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Speaker 2: people are feeling more confident. I mean just there's all

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Speaker 2: these indices that show that consumers are more confident, and

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Speaker 2: I feel like people just feel like things are great,

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Speaker 2: why worry about this little credit card? Like I can

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Speaker 2: handle this. So this year, on average, people who took

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Speaker 2: out took on holiday debt racked up over one thousand

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Speaker 2: and fifty dollars on credit debt alone, which doesn't sound

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Speaker 2: like a ton of money, But if you think about it,

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Speaker 2: like if if you're if you're the kind of person

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Speaker 2: who maybe has opened up like a store credit card

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Speaker 2: around the holidays, and you put a thousand bucks on

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Speaker 2: that card, if you just make the minimum payment on

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Speaker 2: that card, and you have like a twenty plus percent

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Speaker 2: interest rate, you could easily be paying that card off

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Speaker 2: for the next five six years, like totally and hundreds

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Speaker 2: of dollars in interest charges. So it's significant. And I

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Speaker 2: don't know about you, but I feel like I think

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Speaker 2: that this is a inagible amount of debt for anyone

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Speaker 2: to have, for the average person to have. But what

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Speaker 2: scares me is, like things are great now, but what

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Speaker 2: if you let this debt linger and you just sort

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Speaker 2: of like take your time paying it down, and then

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Speaker 2: when things aren't so great, then all of a sudden,

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Speaker 2: you've got this debt that you didn't pay off when

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Speaker 2: things were a little bit flusher in the bank and

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Speaker 2: now you're like stuck with it and then you're missing payments.

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Speaker 2: And I think that's like how the spiral starts. Yeah,

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Speaker 2: it's like it's it's taking care of debt when you can,

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Speaker 2: when you have the means, so that when you something

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Speaker 2: happens and you don't have the means, like you're not

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Speaker 2: getting stuck down the rabbit hole, which I think a

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Speaker 2: lot of like a lot of smart people do.

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Speaker 1: No. And honestly, it's one of the reasons why Superman

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Speaker 1: that I wanted to get our house quite honestly in cash,

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Speaker 1: you know, because it was like, Okay, if you know,

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Speaker 1: I don't know where life is going to lead, and

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Speaker 1: you know, I'm nervous by nature, nervous chuck, not because

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Speaker 1: I hate cha, you know, I just have to forget.

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Speaker 1: But I just although I know business is great, I

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Speaker 1: just seem too many ups and downs in my life.

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Speaker 1: So I want to stabilize parts of my financial life

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Speaker 1: to say, okay, so worst case scenario, like you know

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Speaker 1: that we will always have enough if our house is

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Speaker 1: paid for, we will make enough to cover our expenses,

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Speaker 1: like even if I don't have a business anymore, or whatever,

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Speaker 1: or there's a shift and trends or whatever, you know,

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Speaker 1: And so no, I totally get it that you're right

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Speaker 1: that when people are confident, they feel like, oh, I've

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Speaker 1: got this debt, because I definitely have been there where

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Speaker 1: I'm like, oh, I got this debt and then I

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Speaker 1: lost my job, and then I lost my home, and

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Speaker 1: I wish I didn't have this credit card debt holding

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Speaker 1: me down. A friend of mine actually reached out to

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Speaker 1: me and she was struggling with her credit card debt.

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Speaker 1: One of her interest rates where like was like twenty

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Speaker 1: five or something percent, something crazy, And so I actually

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Speaker 1: directed her to the National Foundation of Credit Counseling because

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Speaker 1: she was like, I don't have a whole lot of money,

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Speaker 1: and all these financial or credit advisors you know, or

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Speaker 1: they charge a lot, and you know, not all of

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Speaker 1: I used to think all of them were cooks, but

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Speaker 1: actually knows some personally and then they're not all. But

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Speaker 1: I like the NFCC it's NFCC dot org because they're

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Speaker 1: nonprofit based. So so she actually went through it and

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Speaker 1: they based her payment like when she pays them to

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Speaker 1: help her, they based upon what she makes, so it's

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Speaker 1: like super low. She pays like twenty bucks a month

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Speaker 1: or whatever while they're like helping her organize her finances

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Speaker 1: and and get her credit together and stuff. So that's

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Speaker 1: really low because most of the credit folks I know

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Speaker 1: charge one hundred plus one hundred dollars or more.

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Speaker 2: You're talking about just real quick. This is so the

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Speaker 2: NFCC credit counseling, right. So I love the NFCC too,

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Speaker 2: and I think there's like, I just want to make

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Speaker 2: that distinction between what they're doing. They're a nonprofit, yeah,

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Speaker 2: and what like for profit credit counseling or debt relief

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Speaker 2: companies promise because like the NFCC, they you need to

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Speaker 2: be in a fairly significant amount of debt to qualify

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Speaker 2: for their services, but and also have an income so

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Speaker 2: that you can actually make your payments. So those like

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Speaker 2: the two requirements. But they so you pay them a

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Speaker 2: fee every month and then they will work on your

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Speaker 2: behalf as much as they can to negotiate, to negotiate

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Speaker 2: your debt, come up with solutions to pay dow your debt,

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Speaker 2: whether it's consolidation or organizing your debt and prioritizing it, whatnot,

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Speaker 2: helping you with that whole strategy. So like there's other

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Speaker 2: debt lily firms like you were talking about that charge

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Speaker 2: also charge fees to do something similar, but who one

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Speaker 2: may do things that are shady, like ask for fees

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Speaker 2: upfront before they even do the service, or they may

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Speaker 2: say that they can help you negotiate your debts, but

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Speaker 2: then actually like the lenders won't even work with them.

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Speaker 2: So there's there's definitely things to watch out for. But

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Speaker 2: I think the reason, like everyone in that, like people

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Speaker 2: like you and me, we always mentioned the National Foundation

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Speaker 2: for Credit Counseling, it's because they're nonprofit yep, and they

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Speaker 2: are not in it to make money off you exactly.

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Speaker 1: And then two that they have locations in like every

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Speaker 1: state basically, so you would go to NFCC dot org

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Speaker 1: and you would type in your zip code and they

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Speaker 1: would show you the nearest place near you. I don't

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Speaker 1: even think she actually went in. I think like she

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Speaker 1: just like worked through it on the phone, and she's

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Speaker 1: actually really happy with it. She had a lot of questions,

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Speaker 1: she was really nervous. She ended up consolidating her dad.

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Speaker 1: She's like, wow, like I'm gonna be able to pay

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Speaker 1: it off sooner. My monthly payments are now lower, and

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Speaker 1: she was like, is it normal that they charged me

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Speaker 1: a fee. I'm like, well, how much is the fee?

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Speaker 1: And she was like twenty bucks a month. I'm like, yes, girl,

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Speaker 1: like that is more than fair. So I was just

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Speaker 1: really happy that she was happy and was moving toward

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Speaker 1: you know that she'll be done in a few years

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Speaker 1: and there's no I was like, there's somethings. I told

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Speaker 1: her to check on make sure there's no prepayment penalty.

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Speaker 1: I know that there wasn't with the NFCC, but I

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Speaker 1: want wanted her to be. I wanted her to start

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Speaker 1: asking those questions as part of procedure, are there any

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Speaker 1: prepayment penalties? What other fees do you have? Like? So

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Speaker 1: I had her had kind of like this checklist, and

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Speaker 1: so she ended up feeling really empowered and so yeah,

401
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Speaker 1: it's it's just a great organization if you're if you're

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Speaker 1: in trouble and you want to you really need some handholding,

403
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Speaker 1: but you can't afford you know, these other companies. Do

404
00:20:30,280 --> 00:20:32,840
Speaker 1: you want to boost or do you want to break?

405
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Speaker 1: I'm excited because I actually have a really good boot today.

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Speaker 1: So I was like, we're not giving over boost to break.

407
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Speaker 2: I wasn't gonna but okay, you go first time.

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Speaker 1: Essence, it's back black owned. Isn't that so crazy that

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Speaker 1: that's something that.

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Speaker 2: We have to say that Essences I didn't know that

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Speaker 2: they weren't exciting, though I know they.

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Speaker 1: Were on my time ink. And so they were actually

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Speaker 1: bought by I think his name is Richard mister Richelieu.

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Speaker 1: I'm saying his name completely wrong, I'm sure. So he

415
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Speaker 1: actually was the man that founded and created Shamee Moisture,

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Speaker 1: and so he actually sold Shamee Moisture to Unilever, and

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Speaker 1: I'm sure all that cash he said, what am I

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Speaker 1: gonna do with this cash? So he ended up purchasing Essence.

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Speaker 1: And what's super exciting is that their executive board is

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Speaker 1: all black women, which I'm like, yes, So it's just

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Speaker 1: like I know a lot of people that work at Essence,

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Speaker 1: and everyone over there is like super duper duper excited,

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Speaker 1: and so yeah, So because Essence is not just a magazine,

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Speaker 1: Essence is a communications company. So they you know, they

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Speaker 1: have Essence Fest and they have conferences and experiential like

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Speaker 1: platforms and e commerce and so I'm just I'm just

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Speaker 1: really excited to see the direction that Essence takes now

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Speaker 1: that the magazine that speaks to black women is run

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Speaker 1: basically by black women, which makes sense.

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Speaker 2: That's amazing, and it doesn't happen that often.

431
00:22:05,560 --> 00:22:09,840
Speaker 1: It doesn't. So that's a huge boost. You know, twenty eighteen,

432
00:22:10,000 --> 00:22:12,119
Speaker 1: you doing all right, you know, keep it up, keep

433
00:22:12,160 --> 00:22:14,280
Speaker 1: it up, keep it cute. And so that was just

434
00:22:14,320 --> 00:22:16,760
Speaker 1: a little great Like I just saw everybody was super excited.

435
00:22:16,880 --> 00:22:19,320
Speaker 1: I saw people who did not never bought Essence were like,

436
00:22:19,359 --> 00:22:22,359
Speaker 1: I subscribed. I can't wait. Because the truth of the

437
00:22:22,400 --> 00:22:24,639
Speaker 1: matter is like all my young friends, my millennial my

438
00:22:24,760 --> 00:22:28,320
Speaker 1: Mandy millennial friends were like, Essence, nobody reads that magazine anymore.

439
00:22:28,600 --> 00:22:31,920
Speaker 1: But when I was a youngin, Essence was like the

440
00:22:32,040 --> 00:22:33,720
Speaker 1: go to. So it'd be nice to kind of see

441
00:22:33,720 --> 00:22:36,920
Speaker 1: it pop again, you know. Oh on a little side boost,

442
00:22:37,000 --> 00:22:38,760
Speaker 1: I got your car your holiday card today.

443
00:22:39,400 --> 00:22:42,120
Speaker 2: Oh you did, Happy New Year. It's a little bit late.

444
00:22:42,240 --> 00:22:42,960
Speaker 2: Playing the blizzard.

445
00:22:43,760 --> 00:22:45,800
Speaker 1: He was so cute. Summer man is so cute. He

446
00:22:45,880 --> 00:22:48,280
Speaker 1: opened it. He was like, oh, this is so nice.

447
00:22:48,560 --> 00:22:51,920
Speaker 1: Look at Mandy. What did he say? She looks like

448
00:22:52,119 --> 00:22:55,320
Speaker 1: she looks hilarious, she looks like fun or something like that.

449
00:22:55,400 --> 00:22:57,120
Speaker 1: I bet you that's why I Enrique fell in love

450
00:22:57,200 --> 00:22:57,439
Speaker 1: with her.

451
00:22:57,720 --> 00:22:59,240
Speaker 2: I just sometimes like.

452
00:23:00,040 --> 00:23:02,800
Speaker 1: Superman will just say the most like sweetest thing, and

453
00:23:02,800 --> 00:23:05,120
Speaker 1: I'm just looking at him like that was really nice

454
00:23:05,200 --> 00:23:08,040
Speaker 1: to say. He was like, I don't know where. It

455
00:23:08,160 --> 00:23:09,760
Speaker 1: just came out of nowhere. He was just looking at

456
00:23:09,800 --> 00:23:11,320
Speaker 1: the card like he was like, we're putting it on

457
00:23:11,400 --> 00:23:13,560
Speaker 1: refrigerator right here, so it's on our fridge.

458
00:23:14,320 --> 00:23:15,199
Speaker 2: I made the fridge.

459
00:23:15,440 --> 00:23:17,439
Speaker 1: Well, yeah, you made the fridge.

460
00:23:18,440 --> 00:23:20,840
Speaker 2: Meanwhile, mine set them a baby baby cards. I'm like

461
00:23:21,440 --> 00:23:23,920
Speaker 2: this year, I was like, you gotta go. Sorry, little Joey,

462
00:23:25,520 --> 00:23:26,639
Speaker 2: there's no more space for you.

463
00:23:27,840 --> 00:23:28,199
Speaker 1: Anthony.

464
00:23:28,640 --> 00:23:31,119
Speaker 2: Baby Anthony's got a got a new portrait. Gotta put

465
00:23:31,160 --> 00:23:32,800
Speaker 2: that right up front. Yeah we did.

466
00:23:32,920 --> 00:23:34,639
Speaker 1: We did kick somebody else off the fridge, and I

467
00:23:34,760 --> 00:23:36,320
Speaker 1: was like, we gotta kick them off the fridge. He

468
00:23:36,440 --> 00:23:37,879
Speaker 1: was like, it's no, it's time for them to go.

469
00:23:38,280 --> 00:23:41,280
Speaker 1: We're putting Andy. We're putting Mandy in and Enrique here

470
00:23:41,320 --> 00:23:43,320
Speaker 1: and instead. So you know, I was like, okay, I

471
00:23:43,359 --> 00:23:43,760
Speaker 1: can do that.

472
00:23:44,000 --> 00:23:46,720
Speaker 2: Here's my pro tip. I don't like to send Christmas

473
00:23:46,800 --> 00:23:49,720
Speaker 2: cards like pre holiday cards. I send New Year's cards.

474
00:23:49,760 --> 00:23:49,960
Speaker 1: Why.

475
00:23:50,480 --> 00:23:52,399
Speaker 2: I ordered them like two days after the New Year.

476
00:23:52,440 --> 00:23:56,080
Speaker 2: Whenever I can and they always have amazing deals on

477
00:23:56,240 --> 00:23:58,200
Speaker 2: like New Year's cards after the New Year, and you

478
00:23:58,280 --> 00:23:59,800
Speaker 2: know in the mail, like things get there a few

479
00:23:59,840 --> 00:24:03,400
Speaker 2: days after you send them. So I think that's that's

480
00:24:03,560 --> 00:24:06,040
Speaker 2: I think I spent. I saved like seventy percent on

481
00:24:06,080 --> 00:24:09,280
Speaker 2: those New Year's cards because I waited until after the

482
00:24:09,359 --> 00:24:11,080
Speaker 2: New Year, and like looked at all my promo codes

483
00:24:11,119 --> 00:24:14,120
Speaker 2: and stuff, like Ebates had eight percent cash back. Then

484
00:24:14,160 --> 00:24:16,840
Speaker 2: the website had like sixty percent off. It was it

485
00:24:16,920 --> 00:24:17,440
Speaker 2: was exciting.

486
00:24:18,600 --> 00:24:21,000
Speaker 1: That's smart, actually really smart. I'm like because I said,

487
00:24:21,040 --> 00:24:22,160
Speaker 1: I'm like, I want to be one of those people

488
00:24:22,240 --> 00:24:24,240
Speaker 1: that sends the really cute cards with like their family

489
00:24:24,280 --> 00:24:25,920
Speaker 1: and stuff on it and everybody looks forward to it.

490
00:24:26,720 --> 00:24:32,600
Speaker 2: So yeah, man, my boost is gonna be for So.

491
00:24:32,720 --> 00:24:36,000
Speaker 2: I just watched the first episode of Grownish this Weekay,

492
00:24:36,680 --> 00:24:38,879
Speaker 2: so I think I'm a little bit too old for it,

493
00:24:38,960 --> 00:24:41,000
Speaker 2: but I really I'm just like, I was so happy

494
00:24:41,040 --> 00:24:43,680
Speaker 2: because I love Yara Shahidi, who I still can't believe

495
00:24:43,800 --> 00:24:46,000
Speaker 2: is like seventeen and a half or something crazy like that.

496
00:24:46,560 --> 00:24:49,720
Speaker 2: But this is a spinoff from Blackish. They gave her

497
00:24:49,760 --> 00:24:50,360
Speaker 2: her own show.

498
00:24:50,440 --> 00:24:52,360
Speaker 1: Now. Yeah, it looks really cute. I saw a little

499
00:24:52,359 --> 00:24:52,639
Speaker 1: bit of it.

500
00:24:53,000 --> 00:24:56,280
Speaker 2: It feels like it feels like a different world, like

501
00:24:56,760 --> 00:24:59,400
Speaker 2: of this generation, and it was really exciting to see

502
00:24:59,400 --> 00:25:03,240
Speaker 2: it has like a real diverse cast. There's like there's gay,

503
00:25:03,320 --> 00:25:07,480
Speaker 2: there's a bisexual character, there's obvious, there's like a there's

504
00:25:07,480 --> 00:25:09,720
Speaker 2: an Asian character. I don't know. It just feels it

505
00:25:09,800 --> 00:25:12,320
Speaker 2: feels really good and refreshing, and I wish I were

506
00:25:12,480 --> 00:25:13,840
Speaker 2: nineteen be cause I feel like I would love it.

507
00:25:15,280 --> 00:25:17,840
Speaker 2: But shout out to your Shihidi in the Blackish Family

508
00:25:17,960 --> 00:25:22,520
Speaker 2: for the spinoff What Nework is that on? I just

509
00:25:22,520 --> 00:25:23,600
Speaker 2: watch everything on Hulu now.

510
00:25:23,880 --> 00:25:26,520
Speaker 1: Yeah, I'm like, I don't know, demand, I don't know.

511
00:25:26,880 --> 00:25:29,359
Speaker 1: I feel like nobody watches things in real time hardly anymore.

512
00:25:29,600 --> 00:25:32,000
Speaker 2: I could do a whole boost for just female powered,

513
00:25:32,600 --> 00:25:35,680
Speaker 2: women of color powered TV right now, because I feel

514
00:25:35,720 --> 00:25:37,680
Speaker 2: like it's just amazing right now. Lena Waite has a

515
00:25:37,720 --> 00:25:41,440
Speaker 2: new show on Netflix called The Shy Isn't Shy? It

516
00:25:41,520 --> 00:25:45,520
Speaker 2: has to be shy right like Chicago, Chicago? Yeah, it's

517
00:25:45,560 --> 00:25:50,520
Speaker 2: about it. I think it's about the gun violence at Chicago,

518
00:25:50,640 --> 00:25:52,840
Speaker 2: but told through like real stories. I haven't watched it yet,

519
00:25:52,880 --> 00:25:54,119
Speaker 2: but I'm really excited to watch it.

520
00:25:54,560 --> 00:25:55,440
Speaker 1: It looks really good.

521
00:25:55,680 --> 00:25:58,440
Speaker 2: And there's like the new Netflix show with two had

522
00:25:58,480 --> 00:26:03,680
Speaker 2: two chocolate sisters who are like hijacking trains, Like you know,

523
00:26:03,800 --> 00:26:06,720
Speaker 2: it's I feel like, what's really exciting is when you

524
00:26:06,760 --> 00:26:09,399
Speaker 2: see shows about women of color where their color is

525
00:26:09,440 --> 00:26:10,360
Speaker 2: not the focus of the show.

526
00:26:10,720 --> 00:26:13,159
Speaker 1: Yeah. I love that. Uh huh okay, yeah.

527
00:26:13,040 --> 00:26:14,600
Speaker 2: Two teenagers like robbing trains.

528
00:26:14,600 --> 00:26:18,480
Speaker 1: That's fun. And then you know, like Etha Ray got

529
00:26:18,600 --> 00:26:20,920
Speaker 1: like I think she got to a two show deal

530
00:26:21,040 --> 00:26:24,480
Speaker 1: or something like that. Yeah. See, I don't know that's Netflix,

531
00:26:24,520 --> 00:26:29,040
Speaker 1: but I know it's coming it's HBO or probably. Yeah.

532
00:26:29,040 --> 00:26:31,920
Speaker 2: Because I was really sad that she didn't win Best Actress,

533
00:26:31,960 --> 00:26:34,480
Speaker 2: I have to say we go back to the Golden Globes.

534
00:26:34,520 --> 00:26:36,359
Speaker 2: I thought that she should have won. That was a bummer,

535
00:26:36,560 --> 00:26:40,320
Speaker 2: but I digress. She was there with a girl, So.

536
00:26:40,840 --> 00:26:44,160
Speaker 1: Yeah, I know. I love von She is like my favorite.

537
00:26:44,240 --> 00:26:46,680
Speaker 1: We like key Key in our in our group chat,

538
00:26:46,760 --> 00:26:50,360
Speaker 1: like she's just hilarious. Like in real life and on TV.

539
00:26:50,560 --> 00:26:52,760
Speaker 2: She's been blowing up. She had all these sold out

540
00:26:52,800 --> 00:26:55,880
Speaker 2: shows opening up for Chris Rock ivon What's her Last

541
00:26:55,880 --> 00:26:59,440
Speaker 2: Same Orgy ion or oh opening up for Chris Rock

542
00:26:59,480 --> 00:27:02,360
Speaker 2: and Manhattan, and then my friends saw her at Carolines

543
00:27:02,480 --> 00:27:04,520
Speaker 2: the other day, like a sold out show at this

544
00:27:04,680 --> 00:27:09,280
Speaker 2: it's a comedy club in New York, New York. It

545
00:27:09,520 --> 00:27:11,120
Speaker 2: just yeah, it just feels good.

546
00:27:11,800 --> 00:27:13,600
Speaker 1: It does feel good, just good.

547
00:27:14,240 --> 00:27:16,119
Speaker 2: It feels like a boost to boost.

548
00:27:17,240 --> 00:27:18,800
Speaker 1: I feel like you haven't Yeah, I feel like we

549
00:27:18,880 --> 00:27:21,280
Speaker 1: haven't done too boosts in Wow to boost. The Ravens

550
00:27:21,760 --> 00:27:27,680
Speaker 1: tried real hard. Well, I'm excited because as we move

551
00:27:27,760 --> 00:27:34,520
Speaker 1: into ask a question, get an answer, we're gonna focus

552
00:27:34,600 --> 00:27:38,600
Speaker 1: our Q and A today on net worth. Correct, Mandra Yes, So.

553
00:27:38,920 --> 00:27:41,640
Speaker 2: As you guys all know Tiffany on the side, Tiffany

554
00:27:41,680 --> 00:27:45,480
Speaker 2: the Budget Nista Elite, your superhero persona. So for the

555
00:27:45,560 --> 00:27:47,879
Speaker 2: last how many years now three four years, it's our

556
00:27:47,920 --> 00:27:51,159
Speaker 2: fourth year, fourth year doing the Liverature Challenge, and this

557
00:27:51,320 --> 00:27:53,480
Speaker 2: year was all about net worth, which is my favorite

558
00:27:53,480 --> 00:27:57,200
Speaker 2: word ever, networth. So I thought today on the show,

559
00:27:57,280 --> 00:28:01,199
Speaker 2: we could take a question from a listener who's asking

560
00:28:02,359 --> 00:28:05,359
Speaker 2: about how to build her net worth, and I wanted

561
00:28:05,400 --> 00:28:08,000
Speaker 2: to talk to you first about why is net worth

562
00:28:08,640 --> 00:28:11,639
Speaker 2: the most important number you can know about yourself? Just

563
00:28:11,720 --> 00:28:12,400
Speaker 2: to set us up.

564
00:28:13,080 --> 00:28:17,240
Speaker 1: Well, because networth gives a more accurate picture of where

565
00:28:17,240 --> 00:28:21,000
Speaker 1: you really stand. Financially. So if you tell somebody, oh,

566
00:28:21,680 --> 00:28:25,200
Speaker 1: I make thirty thousand dollars a year, they might be like, ooh,

567
00:28:25,440 --> 00:28:28,040
Speaker 1: you broke job. But that's not the full picture because

568
00:28:28,520 --> 00:28:30,359
Speaker 1: that's just what you make. But it doesn't really it

569
00:28:30,520 --> 00:28:33,159
Speaker 1: doesn't really explain or express how much you have as

570
00:28:33,200 --> 00:28:35,359
Speaker 1: far as your finances. And you might tell somebody I

571
00:28:35,440 --> 00:28:37,399
Speaker 1: make a million dollars a year and it sounds awesome,

572
00:28:38,040 --> 00:28:40,760
Speaker 1: but that doesn't, like I said, express where you stand

573
00:28:40,920 --> 00:28:43,080
Speaker 1: as far as your financial health. And so your net

574
00:28:43,160 --> 00:28:47,120
Speaker 1: worth is a it's based upon two numbers. It's based

575
00:28:47,200 --> 00:28:52,680
Speaker 1: upon your assets that's what you own, and your liabilities

576
00:28:52,720 --> 00:28:54,760
Speaker 1: that's what you owe. So your net worth is what

577
00:28:54,880 --> 00:28:59,000
Speaker 1: you own assets minus what you owe liability. So own

578
00:28:59,240 --> 00:29:03,800
Speaker 1: like a car. People some people debate whether your car

579
00:29:03,880 --> 00:29:05,120
Speaker 1: could be an asset.

580
00:29:05,160 --> 00:29:08,720
Speaker 2: It can be saving sort of a praise like you

581
00:29:08,840 --> 00:29:10,160
Speaker 2: only for the value it is, right.

582
00:29:10,160 --> 00:29:14,560
Speaker 1: Yeah, exactly. You're same thing like with if if you

583
00:29:14,640 --> 00:29:18,680
Speaker 1: have investment accounts retirement. So you have to think to

584
00:29:18,720 --> 00:29:20,960
Speaker 1: yourself this way that your assets are things that if

585
00:29:20,960 --> 00:29:24,600
Speaker 1: you were to to liquidate them and get cash for them,

586
00:29:25,000 --> 00:29:27,920
Speaker 1: what would you get. Now that's what your assets are worth.

587
00:29:28,000 --> 00:29:30,880
Speaker 1: So like let's just say you own some pretty expensive jewelry,

588
00:29:31,000 --> 00:29:32,720
Speaker 1: you know, you can include that in your net worth

589
00:29:32,760 --> 00:29:35,360
Speaker 1: of your jury is a substantial enough, you know, not

590
00:29:35,520 --> 00:29:37,479
Speaker 1: like if you have a you know, I mean, if

591
00:29:37,480 --> 00:29:39,200
Speaker 1: you've got like a fifty dollars ring, that's cute, But

592
00:29:39,280 --> 00:29:41,400
Speaker 1: I don't know, I wouldn't necessarily add that to my

593
00:29:41,520 --> 00:29:43,720
Speaker 1: networth unless I unless I was like, you know, young,

594
00:29:43,800 --> 00:29:48,040
Speaker 1: and I didn't have many assets. But your liabilities are

595
00:29:48,080 --> 00:29:54,360
Speaker 1: things like you loan, your mortgage, your car note. So

596
00:29:54,680 --> 00:29:56,880
Speaker 1: some people were asking me, like when they're folks who

597
00:29:56,920 --> 00:30:00,280
Speaker 1: are doing the challenge, delivered your challenge, if if like

598
00:30:00,320 --> 00:30:03,200
Speaker 1: their cable bill is a liability, and I'm like, no,

599
00:30:03,320 --> 00:30:06,080
Speaker 1: unless you're behind. You have to think about your liability

600
00:30:06,120 --> 00:30:10,120
Speaker 1: basically is debt not bills, So something that you have

601
00:30:10,200 --> 00:30:12,640
Speaker 1: to pay down and off, that's the liability.

602
00:30:12,760 --> 00:30:16,120
Speaker 2: So it's different from cash flow, Yes, it is.

603
00:30:16,120 --> 00:30:19,160
Speaker 1: Different from cash flow. It's a networth is a snapshot

604
00:30:19,320 --> 00:30:22,360
Speaker 1: right now of how much and what you own. If

605
00:30:22,360 --> 00:30:25,480
Speaker 1: you would liquidate everything, what would that number be, you know,

606
00:30:25,960 --> 00:30:28,440
Speaker 1: and then how much of what you owe If everybody

607
00:30:28,560 --> 00:30:30,440
Speaker 1: came calling today and say give me my money everything

608
00:30:30,480 --> 00:30:32,520
Speaker 1: that you own me right now what would what would

609
00:30:32,520 --> 00:30:35,080
Speaker 1: the end result be? Would it be negative? At one point,

610
00:30:35,600 --> 00:30:38,840
Speaker 1: I was almost three hundred thousand dollars. My network was

611
00:30:38,960 --> 00:30:42,080
Speaker 1: a negative three hundred thousand almost because I owed the

612
00:30:42,240 --> 00:30:45,040
Speaker 1: house that I eventually lost, which was like two hundred

613
00:30:45,080 --> 00:30:49,800
Speaker 1: thousand my mortgage. I also owed thirty five thousand dollars

614
00:30:49,840 --> 00:30:52,000
Speaker 1: on a credit card because of a scam that I

615
00:30:52,080 --> 00:30:54,040
Speaker 1: was a victim of. And then I also owed fifty

616
00:30:54,080 --> 00:30:58,240
Speaker 1: thousand on a on my student loans, so that was

617
00:30:58,320 --> 00:31:00,600
Speaker 1: like what to eighty and I didn't own and well,

618
00:31:00,840 --> 00:31:02,800
Speaker 1: I had a beat up car, so it was like

619
00:31:02,840 --> 00:31:05,080
Speaker 1: maybe the car's worth pair five thousand. That's literally all

620
00:31:05,120 --> 00:31:06,960
Speaker 1: I had left because I had taken all the money

621
00:31:06,960 --> 00:31:08,800
Speaker 1: out of my retirement account, I had no savings, I

622
00:31:08,880 --> 00:31:11,120
Speaker 1: had no money, maybe like a few bucks in my pocket,

623
00:31:11,440 --> 00:31:13,200
Speaker 1: but that was it. So my net worth was basically

624
00:31:13,320 --> 00:31:19,120
Speaker 1: like negative two seventy five, so pretty steep. And that's

625
00:31:19,200 --> 00:31:20,840
Speaker 1: one of the reasons why I kind of really wanted

626
00:31:20,840 --> 00:31:23,680
Speaker 1: to focus on networth this year with the Liveratuer Challenge,

627
00:31:23,720 --> 00:31:26,360
Speaker 1: because we've done the fundamentals. That was the first year

628
00:31:26,880 --> 00:31:29,960
Speaker 1: we've done the savings edition. That was the second year.

629
00:31:30,320 --> 00:31:34,320
Speaker 1: Last year, you know, we we partnered with Magnify Money,

630
00:31:34,400 --> 00:31:36,120
Speaker 1: and you guys saw Mandy every single week and I'm

631
00:31:36,120 --> 00:31:38,680
Speaker 1: gonna get her on this challenge as well. We did

632
00:31:38,720 --> 00:31:42,040
Speaker 1: the Credit edition, which is really dope, and so this year,

633
00:31:42,200 --> 00:31:45,160
Speaker 1: as usual, the challenge is completely free. It's my gift

634
00:31:45,240 --> 00:31:48,960
Speaker 1: to y'all. You can sign up for the Networth Edition

635
00:31:49,080 --> 00:31:52,560
Speaker 1: at l RC networth dot com. We actually don't have

636
00:31:52,680 --> 00:31:55,000
Speaker 1: like any big sponsor or anything this year, so just

637
00:31:55,120 --> 00:31:57,080
Speaker 1: like kind of like me out of pocket, just like

638
00:31:57,440 --> 00:32:00,360
Speaker 1: sharing because I love to see y'all move full. So

639
00:32:00,760 --> 00:32:02,680
Speaker 1: I can't wait to, you know, take this net Worth

640
00:32:02,760 --> 00:32:06,320
Speaker 1: question so y'all can learn how to make a networth

641
00:32:06,360 --> 00:32:07,680
Speaker 1: pop in twenty eighteen.

642
00:32:08,240 --> 00:32:10,040
Speaker 2: And I love what I love about net worth too,

643
00:32:10,160 --> 00:32:12,600
Speaker 2: And I'll put a link to the Literature Challenge Networth

644
00:32:12,800 --> 00:32:17,640
Speaker 2: LRC Networth THH dot com. Yeah not Network. Someone had

645
00:32:17,640 --> 00:32:18,360
Speaker 2: asked Network, what.

646
00:32:19,000 --> 00:32:25,720
Speaker 1: I know it's my list? I'm sorry. No.

647
00:32:25,840 --> 00:32:27,959
Speaker 2: What I love about it is that it's not it almost.

648
00:32:28,240 --> 00:32:30,920
Speaker 2: I feel like sometimes people are pleasantly surprised by their

649
00:32:30,960 --> 00:32:33,720
Speaker 2: net worth because it's really easy to think about everything

650
00:32:33,800 --> 00:32:36,880
Speaker 2: that is due and everything that maybe like your student

651
00:32:36,960 --> 00:32:39,600
Speaker 2: loan debt or you know, your mortgage or whatnot. But

652
00:32:40,200 --> 00:32:42,000
Speaker 2: when you're talking about your mortgage, you also have to

653
00:32:42,040 --> 00:32:43,480
Speaker 2: look at the equity in your home that you you

654
00:32:43,960 --> 00:32:46,479
Speaker 2: know the value of your home, and take that into account.

655
00:32:46,520 --> 00:32:48,400
Speaker 2: The value the equity in your home is an asset.

656
00:32:48,520 --> 00:32:51,080
Speaker 2: The mortgage is a debt. But when you put them together,

657
00:32:51,360 --> 00:32:53,240
Speaker 2: you have a much smaller number than the debt that

658
00:32:53,320 --> 00:32:56,360
Speaker 2: you owe. Or yeah, you hopefully have a much smaller number.

659
00:32:57,240 --> 00:32:59,040
Speaker 2: So I just think, yeah, it's a more holistic way

660
00:32:59,080 --> 00:33:01,040
Speaker 2: and more like realistic way of looking at what you

661
00:33:01,160 --> 00:33:04,360
Speaker 2: owe and also what you have working for you. So

662
00:33:04,640 --> 00:33:07,480
Speaker 2: love it, love it, love it. So in honor of

663
00:33:07,560 --> 00:33:10,200
Speaker 2: the net Worths Challenge from the Liberature Challenge this year,

664
00:33:10,680 --> 00:33:13,520
Speaker 2: I wanted to take this question and you guys, nothing

665
00:33:13,600 --> 00:33:15,680
Speaker 2: has changed in the new year. You can still send

666
00:33:15,720 --> 00:33:19,000
Speaker 2: your questions to us at Brown Ambition podcast dot.

667
00:33:18,960 --> 00:33:22,360
Speaker 1: Com, well at gmail dot com. I'm like, wait a minute,

668
00:33:22,560 --> 00:33:26,720
Speaker 1: well no, well that's true. I'm sorry, Brad, Oh wait,

669
00:33:26,760 --> 00:33:27,240
Speaker 1: what's happening?

670
00:33:27,360 --> 00:33:33,920
Speaker 2: Let me do that again. Question. Make sure to put

671
00:33:33,960 --> 00:33:35,680
Speaker 2: in your email though, if you want us to use

672
00:33:35,720 --> 00:33:37,640
Speaker 2: your name or not. If you don't, I just assume

673
00:33:37,640 --> 00:33:39,520
Speaker 2: you want me to call your business out there. So uh,

674
00:33:40,600 --> 00:33:42,560
Speaker 2: but thank you so much for your questions, and we

675
00:33:42,640 --> 00:33:45,840
Speaker 2: do answer. These are real questions we're answering, So definitely

676
00:33:46,000 --> 00:33:47,600
Speaker 2: check back on the next episode to see if we

677
00:33:47,640 --> 00:33:51,360
Speaker 2: answered your question. So Ashley, I thought this question was

678
00:33:51,400 --> 00:33:54,240
Speaker 2: really good and fitting for the net Worth conversation. So

679
00:33:54,360 --> 00:33:57,800
Speaker 2: Ashley has this question, she says, I am well, I'm

680
00:33:57,840 --> 00:34:00,480
Speaker 2: grateful for your knowledge and pleasant discussion of topics that

681
00:34:00,560 --> 00:34:03,400
Speaker 2: can sometimes be difficult to discuss. I'm a twenty seven

682
00:34:03,480 --> 00:34:07,040
Speaker 2: year old married teacher of five years. I have a

683
00:34:07,120 --> 00:34:10,520
Speaker 2: tendency to look for more work like tutoring, essay grading,

684
00:34:10,680 --> 00:34:14,600
Speaker 2: academic support, rather than trying to better manage the funds

685
00:34:14,640 --> 00:34:17,960
Speaker 2: I am currently earning. What recommendations do you have for

686
00:34:18,080 --> 00:34:20,840
Speaker 2: a go getter to get on track to get on

687
00:34:21,000 --> 00:34:24,520
Speaker 2: track for better financial management. I see that working hard

688
00:34:24,640 --> 00:34:27,879
Speaker 2: and getting side hustles was great, but I also feel

689
00:34:27,960 --> 00:34:30,960
Speaker 2: like I'm losing time with my family and also have

690
00:34:31,080 --> 00:34:34,120
Speaker 2: to consider that as part of the price. So it's

691
00:34:34,200 --> 00:34:36,960
Speaker 2: like she's taking on a bunch of work trying to

692
00:34:37,360 --> 00:34:40,719
Speaker 2: increase her This is one way to increase your net worth,

693
00:34:41,520 --> 00:34:44,600
Speaker 2: but she's wondering, like could she get further by working

694
00:34:44,680 --> 00:34:48,759
Speaker 2: on the underlying issues that she may have like the

695
00:34:48,880 --> 00:34:51,239
Speaker 2: reasons why she feels like she needs to take on

696
00:34:51,360 --> 00:34:53,840
Speaker 2: this side hustle work in order to have to do

697
00:34:54,000 --> 00:34:55,960
Speaker 2: less of it so she can spend more time with

698
00:34:56,080 --> 00:34:57,080
Speaker 2: her her family.

699
00:34:58,000 --> 00:35:03,200
Speaker 1: Definitely, Honestly, it's to me it's the age old question

700
00:35:03,440 --> 00:35:06,279
Speaker 1: of how do you balance? Because networth is those two

701
00:35:06,360 --> 00:35:08,799
Speaker 1: things that you can make more. That way you can

702
00:35:08,880 --> 00:35:12,960
Speaker 1: have more, or you can spend less. That way you

703
00:35:13,000 --> 00:35:15,520
Speaker 1: can get rid of your debt. And to me, there's

704
00:35:15,560 --> 00:35:17,440
Speaker 1: no right or wrong. It really depends on what your

705
00:35:17,480 --> 00:35:20,840
Speaker 1: personal goals are. So if you have not but I

706
00:35:20,880 --> 00:35:23,839
Speaker 1: will say this that if you have not maximized your

707
00:35:23,880 --> 00:35:26,600
Speaker 1: current budget meaning not meaning that like you know, you're

708
00:35:26,640 --> 00:35:28,800
Speaker 1: counting every little penny and you're not going anywhere or

709
00:35:28,840 --> 00:35:31,760
Speaker 1: anything else, but you're not you don't have an actual

710
00:35:31,840 --> 00:35:33,879
Speaker 1: working budget. You're not kind of looking at the ins

711
00:35:33,920 --> 00:35:36,360
Speaker 1: and outs of how the money is coming in. Definitely

712
00:35:36,440 --> 00:35:38,680
Speaker 1: do that because you might find you don't have to

713
00:35:38,760 --> 00:35:41,360
Speaker 1: work as much as you think. You know, that's the

714
00:35:41,440 --> 00:35:43,600
Speaker 1: key is that I don't believe in what I call

715
00:35:43,719 --> 00:35:45,600
Speaker 1: over sacrifice. What I don't just call it that, it's

716
00:35:45,800 --> 00:35:48,880
Speaker 1: like a word like I don't believe in over sacrifice,

717
00:35:49,160 --> 00:35:52,239
Speaker 1: meaning like you shouldn't do more than you have to

718
00:35:52,320 --> 00:35:55,160
Speaker 1: do to achieve your dream. So if your goal is

719
00:35:55,280 --> 00:35:59,000
Speaker 1: to save let's just say ten thousand dollars in twenty eighteen,

720
00:35:59,680 --> 00:36:02,600
Speaker 1: you can say, well, I can work extra hours to

721
00:36:02,680 --> 00:36:06,279
Speaker 1: make ten thousand. Or you know what if we you know,

722
00:36:06,680 --> 00:36:09,719
Speaker 1: eight out lunch, you know, only three times a week

723
00:36:09,760 --> 00:36:12,640
Speaker 1: instead of five times a week, we could save five

724
00:36:12,760 --> 00:36:14,080
Speaker 1: of the ten and I only have to work half

725
00:36:14,120 --> 00:36:15,960
Speaker 1: as much. So you have to kind of do that

726
00:36:16,400 --> 00:36:19,920
Speaker 1: that like juggling act, but start with your basic budget

727
00:36:20,200 --> 00:36:22,279
Speaker 1: so that way you don't have to over sacrifice, you

728
00:36:22,360 --> 00:36:24,680
Speaker 1: don't have to work as much if that's not what

729
00:36:24,800 --> 00:36:25,480
Speaker 1: you so desire.

730
00:36:27,080 --> 00:36:30,960
Speaker 2: Yeah, and I think too looking at I feel like

731
00:36:31,040 --> 00:36:34,359
Speaker 2: looking at decisions and asking yourself, how is this going

732
00:36:34,400 --> 00:36:36,520
Speaker 2: to impact my net worth? Like once you get that number,

733
00:36:37,040 --> 00:36:38,880
Speaker 2: you know, let's say it's like, I don't know, negative

734
00:36:38,920 --> 00:36:41,520
Speaker 2: five thousand, Like you're making a good income, but you

735
00:36:41,600 --> 00:36:43,640
Speaker 2: have ten thousand dollars in debt and you got five

736
00:36:43,680 --> 00:36:46,359
Speaker 2: thousand in the bank saved up, so your negative five

737
00:36:46,440 --> 00:36:48,759
Speaker 2: thousand dollars net worth. Like, I think, once you have

738
00:36:48,880 --> 00:36:52,160
Speaker 2: that number and every major decision you're about to make,

739
00:36:52,239 --> 00:36:54,800
Speaker 2: asking yourself, like how is this going to impact my

740
00:36:54,840 --> 00:36:56,239
Speaker 2: net worth? Is it going to get bigger or is

741
00:36:56,280 --> 00:36:58,400
Speaker 2: it going to get smaller. I think that that can

742
00:36:58,480 --> 00:37:00,240
Speaker 2: really help people. I mean, I think that's a differference

743
00:37:00,320 --> 00:37:03,600
Speaker 2: between going out and upgrade into the hottest car or

744
00:37:03,800 --> 00:37:07,160
Speaker 2: that new iPhone because you feel like everyone has it, yep,

745
00:37:07,440 --> 00:37:09,640
Speaker 2: versus finding a car that you can drive for ten

746
00:37:09,719 --> 00:37:12,960
Speaker 2: years because it's gonna make your net worth positive.

747
00:37:13,480 --> 00:37:15,960
Speaker 1: Exactly, and it starts to change your decisions. I mean,

748
00:37:16,320 --> 00:37:18,680
Speaker 1: when I first met Superman, he wanted a new car

749
00:37:18,960 --> 00:37:23,520
Speaker 1: so bad, and it took like a herculean effort not

750
00:37:23,920 --> 00:37:25,480
Speaker 1: to convince him not to get a car, not to

751
00:37:25,520 --> 00:37:27,400
Speaker 1: get a car just yet. And so because he had

752
00:37:27,440 --> 00:37:30,520
Speaker 1: a car, he just wanted a new car. And then

753
00:37:30,600 --> 00:37:33,360
Speaker 1: it wasn't until we really started the home buying process

754
00:37:33,840 --> 00:37:35,480
Speaker 1: and he saw that we had enough to get a

755
00:37:35,560 --> 00:37:39,160
Speaker 1: house cash and what that meant. And now there's a

756
00:37:39,280 --> 00:37:44,279
Speaker 1: potential investment property that we're going to purchase, And now

757
00:37:44,440 --> 00:37:48,239
Speaker 1: all of a sudden, he starts he's shifting like what

758
00:37:48,440 --> 00:37:51,359
Speaker 1: he sees that money can do, Like I can get

759
00:37:51,400 --> 00:37:53,600
Speaker 1: this car, or I can get this property that's actually

760
00:37:53,600 --> 00:37:56,040
Speaker 1: going to put one hundred thousand dollars in our pocket. Huh,

761
00:37:56,680 --> 00:38:00,160
Speaker 1: let's do that instead. And so, you know, it's much

762
00:38:00,239 --> 00:38:02,360
Speaker 1: easier to stick to a plan when you have a

763
00:38:02,400 --> 00:38:05,320
Speaker 1: specific goal in mine and the goal is tangible, because

764
00:38:05,760 --> 00:38:09,839
Speaker 1: it shifts your definition of sacrifice because no one really

765
00:38:09,960 --> 00:38:13,239
Speaker 1: likes sacrifice. But I don't feel like what we do

766
00:38:13,560 --> 00:38:16,520
Speaker 1: is sacrifice because in the end, there's so much more

767
00:38:16,600 --> 00:38:19,080
Speaker 1: to be gotten. So asking yourself, you know, kind of

768
00:38:19,160 --> 00:38:21,480
Speaker 1: like what is that end goal? Because then it becomes

769
00:38:21,560 --> 00:38:24,160
Speaker 1: joyful making decisions that put you toward that end goal,

770
00:38:24,440 --> 00:38:26,040
Speaker 1: and you start to realize that the things that you

771
00:38:26,120 --> 00:38:30,800
Speaker 1: wanted to collect before, you know, are actually not not

772
00:38:30,920 --> 00:38:33,000
Speaker 1: as fun because they take you away from your goal

773
00:38:33,080 --> 00:38:34,240
Speaker 1: of financial freedom.

774
00:38:35,440 --> 00:38:38,920
Speaker 2: Yeah, we talk about let's talk about some like actionable

775
00:38:39,000 --> 00:38:42,440
Speaker 2: ways to improve your network. So there's the obvious ones,

776
00:38:42,520 --> 00:38:45,960
Speaker 2: like Ashley is in trying to increase her income. That's

777
00:38:46,000 --> 00:38:48,879
Speaker 2: obviously one way to improve your net worth. Paying down

778
00:38:48,960 --> 00:38:51,600
Speaker 2: your liabilities like debts is one way to increase your

779
00:38:51,640 --> 00:38:55,719
Speaker 2: net worth. Sit and budgeting, you know, cutting expenses so

780
00:38:55,840 --> 00:38:59,200
Speaker 2: that you're like your day to day living expenses are decreased,

781
00:38:59,200 --> 00:39:02,960
Speaker 2: that's another good way. What about like strategic ways to

782
00:39:03,360 --> 00:39:06,840
Speaker 2: increase your net worth. Like for example, one way to

783
00:39:06,880 --> 00:39:08,880
Speaker 2: increase your net worth obviously is to cut expenses so

784
00:39:08,920 --> 00:39:11,680
Speaker 2: you can save more, but think about saving in a

785
00:39:11,800 --> 00:39:14,440
Speaker 2: vehicle that could like really work for you, Like saving

786
00:39:14,480 --> 00:39:16,840
Speaker 2: in a way where your money can actually grow. You know,

787
00:39:17,400 --> 00:39:20,600
Speaker 2: baby steps obviously, like getting an online savings account where

788
00:39:20,600 --> 00:39:22,560
Speaker 2: you might get a better return for your money, or

789
00:39:22,800 --> 00:39:26,799
Speaker 2: a CD where CD rates are arising, or something even

790
00:39:26,840 --> 00:39:31,360
Speaker 2: bigger like what Tiffany's saying, like seeing about investing some savings,

791
00:39:32,200 --> 00:39:36,799
Speaker 2: investing your your finances into an investment property that could

792
00:39:36,920 --> 00:39:40,520
Speaker 2: potentially give you returns. Opening up or contributing to your

793
00:39:40,520 --> 00:39:43,719
Speaker 2: four to one K which can give you return on

794
00:39:43,800 --> 00:39:46,640
Speaker 2: your money over time, or like opening up a brokerage

795
00:39:46,640 --> 00:39:49,000
Speaker 2: account on the side when you feel like you are

796
00:39:49,040 --> 00:39:50,719
Speaker 2: in a place where you can do that because then

797
00:39:50,760 --> 00:39:53,880
Speaker 2: your money is working for you and it's it's like

798
00:39:54,080 --> 00:39:57,480
Speaker 2: adding that extra little bit of something something to your

799
00:39:57,520 --> 00:40:00,480
Speaker 2: strategy so you're not just so you don't like you're

800
00:40:00,520 --> 00:40:02,320
Speaker 2: just like some people can feel like you're digging a

801
00:40:02,400 --> 00:40:04,240
Speaker 2: hole and it's just like filling back up with stand

802
00:40:04,920 --> 00:40:08,759
Speaker 2: is that the expression is that a thing I'm like,

803
00:40:08,960 --> 00:40:13,040
Speaker 2: I haven't heard that you're trying to put down but thanks.

804
00:40:13,800 --> 00:40:15,080
Speaker 1: That's not a normal expression.

805
00:40:16,440 --> 00:40:17,799
Speaker 2: It's like when you get a big plate of food

806
00:40:17,800 --> 00:40:19,200
Speaker 2: at a restaurant and you're like, damn, I feel like

807
00:40:19,200 --> 00:40:22,399
Speaker 2: I've been eating for days and it's not going anywhere. Yeah,

808
00:40:22,600 --> 00:40:26,080
Speaker 2: like that just me, No, okay. Anyway, it helps you

809
00:40:26,200 --> 00:40:28,480
Speaker 2: move the needle a little bit faster to think of,

810
00:40:28,640 --> 00:40:32,719
Speaker 2: like how can I maximize my savings? And you know,

811
00:40:32,800 --> 00:40:36,080
Speaker 2: what about maximizing that? Like if you have income from

812
00:40:36,120 --> 00:40:38,880
Speaker 2: your side hustle, how you know maybe instead of just

813
00:40:38,960 --> 00:40:41,200
Speaker 2: putting it in a regular savings account, if you know,

814
00:40:41,320 --> 00:40:43,480
Speaker 2: if you've got most of your debts paid off and

815
00:40:43,560 --> 00:40:45,680
Speaker 2: you can invest it, like why not make the money

816
00:40:45,760 --> 00:40:48,960
Speaker 2: work a little bit, you know, investing into a brokerage

817
00:40:48,960 --> 00:40:52,160
Speaker 2: account or an IRA or something or an IRA or

818
00:40:52,200 --> 00:40:55,359
Speaker 2: something like that on the side, or putting it toward

819
00:40:55,360 --> 00:40:58,680
Speaker 2: a bigger investment goal, like like an investment property down

820
00:40:58,719 --> 00:40:59,040
Speaker 2: the line.

821
00:41:00,360 --> 00:41:01,839
Speaker 1: There's actually I want to give you a link, Mandy,

822
00:41:01,880 --> 00:41:05,200
Speaker 1: to put on our blog because I've been really trying

823
00:41:05,239 --> 00:41:12,200
Speaker 1: to like a investigate different robo advising companies, you know,

824
00:41:12,320 --> 00:41:16,560
Speaker 1: like Acorns and I think Ally has one. And of

825
00:41:16,640 --> 00:41:19,279
Speaker 1: course there's learned vest that you've used before, and there's

826
00:41:19,360 --> 00:41:22,560
Speaker 1: one called earned Vet no l Vest that I've like.

827
00:41:22,640 --> 00:41:24,239
Speaker 1: I went to New York to meet with them to

828
00:41:24,320 --> 00:41:25,960
Speaker 1: really learn more about what they do. And one thing

829
00:41:26,040 --> 00:41:28,560
Speaker 1: that they have and I'll give you the link for it,

830
00:41:28,719 --> 00:41:31,239
Speaker 1: is that they actually do and I just got mine

831
00:41:31,280 --> 00:41:32,680
Speaker 1: the other day and I thought it was great. They

832
00:41:32,800 --> 00:41:38,640
Speaker 1: do a free investment plan which can cost anywhere from

833
00:41:38,800 --> 00:41:41,320
Speaker 1: one thousand dollars plus. And because I had actually paid

834
00:41:41,400 --> 00:41:44,160
Speaker 1: an investment advisor not too long ago to create an

835
00:41:44,239 --> 00:41:47,520
Speaker 1: investment plan. So what I liked about the Lvest investment

836
00:41:47,600 --> 00:41:50,240
Speaker 1: plan was that you went on you said your age,

837
00:41:50,320 --> 00:41:53,919
Speaker 1: and there was like five different future financial goals choose

838
00:41:53,960 --> 00:41:55,520
Speaker 1: from like I want to get a house, or I

839
00:41:55,600 --> 00:41:58,040
Speaker 1: want to I want to grow wealth, or I want

840
00:41:58,040 --> 00:42:00,239
Speaker 1: to retire or whatever. You choose your goals and then

841
00:42:00,239 --> 00:42:02,839
Speaker 1: you put your goals in order of importance and then

842
00:42:02,880 --> 00:42:04,920
Speaker 1: you put down how much money do you want to

843
00:42:05,000 --> 00:42:08,400
Speaker 1: have one and then so Elves creates like this just

844
00:42:08,600 --> 00:42:11,560
Speaker 1: like personalized plan that kind of says, okay, Mandy at

845
00:42:11,600 --> 00:42:14,560
Speaker 1: the age R Now if you save for twenty years

846
00:42:14,600 --> 00:42:17,480
Speaker 1: and put it in an IRA account or you put

847
00:42:17,480 --> 00:42:19,799
Speaker 1: it in this kind of account and the average rate

848
00:42:20,000 --> 00:42:22,160
Speaker 1: of return on that account is this, this is what

849
00:42:22,280 --> 00:42:24,279
Speaker 1: you're gonna have. This is how close you can get

850
00:42:24,320 --> 00:42:27,400
Speaker 1: to your to your goal. I just thought it was

851
00:42:27,440 --> 00:42:29,760
Speaker 1: really great to kind of see like these numbers compute.

852
00:42:30,040 --> 00:42:32,279
Speaker 1: But in a way that was because I've done a

853
00:42:32,320 --> 00:42:33,880
Speaker 1: lot of those kind of like almost all of them

854
00:42:33,920 --> 00:42:36,359
Speaker 1: have something similar like that. But I'm not gonna lie.

855
00:42:36,400 --> 00:42:37,800
Speaker 1: Sometimes I'm looking at it, I'm like, I don't know

856
00:42:37,840 --> 00:42:39,680
Speaker 1: what this means, you know, like what is this? What

857
00:42:39,760 --> 00:42:42,720
Speaker 1: do these numbers mean? But it was really clearly define

858
00:42:42,760 --> 00:42:45,759
Speaker 1: and it's completely free. You know. Of course it's always

859
00:42:45,760 --> 00:42:47,680
Speaker 1: an upset which you don't have to because I have

860
00:42:47,800 --> 00:42:50,479
Speaker 1: a financial advisor. So you can take your investment plan

861
00:42:50,960 --> 00:42:53,239
Speaker 1: and sit with your financial advisor if you have one,

862
00:42:53,840 --> 00:42:55,719
Speaker 1: or take your investment plan if you decide you want

863
00:42:55,760 --> 00:42:57,080
Speaker 1: to invest on your own, but at least you have

864
00:42:57,200 --> 00:42:59,600
Speaker 1: some sort of blueprint. So it's like I said, it's free,

865
00:42:59,680 --> 00:43:01,040
Speaker 1: and I don't know how long it'll be free, but

866
00:43:01,200 --> 00:43:03,560
Speaker 1: well I think I'm pretty sure'll be free for a

867
00:43:03,640 --> 00:43:04,000
Speaker 1: long time.

868
00:43:04,080 --> 00:43:08,040
Speaker 2: Ago specifically, what's free is the investment plan, right, because

869
00:43:08,080 --> 00:43:11,520
Speaker 2: they do charge fees for their So that's what.

870
00:43:11,560 --> 00:43:13,920
Speaker 1: I mean that just get yourself the investment planned. You don't,

871
00:43:14,280 --> 00:43:18,720
Speaker 1: You're no under no obligation obviously to sign up for elvest,

872
00:43:18,800 --> 00:43:20,719
Speaker 1: but get it, cause I, like I said, I have

873
00:43:20,920 --> 00:43:23,200
Speaker 1: a financial visor already, so I'm not. I mean, I'm

874
00:43:23,200 --> 00:43:25,520
Speaker 1: sure oves was great, but I already paid my financial visor,

875
00:43:25,560 --> 00:43:28,040
Speaker 1: so he's gonna earn his keep. But I printed out

876
00:43:28,080 --> 00:43:29,719
Speaker 1: my plan, so the next time I meet with Frank,

877
00:43:29,760 --> 00:43:33,879
Speaker 1: I'm like, let's talk about this, you know. So it's

878
00:43:33,920 --> 00:43:37,000
Speaker 1: a great like kind of like opener tool to say, hey,

879
00:43:38,120 --> 00:43:39,920
Speaker 1: these are my goals. Now I can see them in

880
00:43:40,120 --> 00:43:43,400
Speaker 1: like this financial way that I understand. Let me you know,

881
00:43:43,480 --> 00:43:45,360
Speaker 1: it's just a great jumping off point no matter what

882
00:43:45,440 --> 00:43:46,239
Speaker 1: you decide to do with.

883
00:43:46,280 --> 00:43:48,759
Speaker 2: It and all of us. It's actually been around for

884
00:43:48,800 --> 00:43:50,960
Speaker 2: a few years, but it's just now like really catching on.

885
00:43:51,040 --> 00:43:53,640
Speaker 2: They've been doing a lot of marketing. But it's it's

886
00:43:53,680 --> 00:43:57,800
Speaker 2: targeted toward women, l get it. Lelevest, Yeah, it's targeted

887
00:43:57,840 --> 00:44:02,879
Speaker 2: toward women. Founded by Sally Crawcheck, who's a long time

888
00:44:02,920 --> 00:44:06,080
Speaker 2: executive in the banking industry. So and I would put

889
00:44:06,080 --> 00:44:12,320
Speaker 2: it in the category of a betterment wealth front Elevest

890
00:44:12,520 --> 00:44:16,440
Speaker 2: because they have these sort of prepackaged sort of investment

891
00:44:16,520 --> 00:44:20,400
Speaker 2: portfolios and do you do get sort of like a

892
00:44:20,719 --> 00:44:23,959
Speaker 2: semi tailored investment portfolio, but they're not like actively moving

893
00:44:24,080 --> 00:44:26,120
Speaker 2: like they're not actively managing it like you get it

894
00:44:26,239 --> 00:44:30,640
Speaker 2: like you know, really an expensive investment firm and they

895
00:44:31,200 --> 00:44:34,120
Speaker 2: but because of that, they can charge lower fees than

896
00:44:34,160 --> 00:44:36,920
Speaker 2: what you may get from like traditional investment firms. But

897
00:44:37,000 --> 00:44:40,399
Speaker 2: it's in that category of like betterment wealth front yep,

898
00:44:40,680 --> 00:44:41,799
Speaker 2: I'm blinking on some others.

899
00:44:42,160 --> 00:44:44,120
Speaker 1: Acorns, right, is acorn worn well.

900
00:44:44,280 --> 00:44:48,759
Speaker 2: Acorns is a little bit different because that's collecting savings

901
00:44:48,880 --> 00:44:52,560
Speaker 2: that like as in acorns where they're tracking your spending

902
00:44:52,640 --> 00:44:55,600
Speaker 2: and you can set aside the change that they find

903
00:44:55,680 --> 00:44:57,279
Speaker 2: in your bank account and invest it.

904
00:44:58,360 --> 00:45:00,360
Speaker 1: Yeah, you're right. Yeah, it's more so you're right. Acorns

905
00:45:00,480 --> 00:45:03,399
Speaker 1: is more like a like a roundup and so maybe

906
00:45:03,440 --> 00:45:05,440
Speaker 1: like a wise banion. That's another one that's kind of

907
00:45:05,520 --> 00:45:09,920
Speaker 1: like does that kind of like advising robo advising where

908
00:45:09,960 --> 00:45:14,120
Speaker 1: they advise you but not it it's it's it's not

909
00:45:14,200 --> 00:45:15,880
Speaker 1: as in depth as you sat in front of somebody,

910
00:45:16,000 --> 00:45:18,560
Speaker 1: but not as hands off as you did it by yourself.

911
00:45:19,120 --> 00:45:21,360
Speaker 2: Yeah, Acorns is a good for beginners, like if you

912
00:45:21,600 --> 00:45:23,320
Speaker 2: if you don't have a lot of money. You don't have, like,

913
00:45:23,800 --> 00:45:27,320
Speaker 2: you know, enough money to to qualify for minimum balances

914
00:45:27,400 --> 00:45:29,200
Speaker 2: for like a brokerage account. So you want to start

915
00:45:29,239 --> 00:45:31,680
Speaker 2: with acorns, just get your toes wet. That's cool, like

916
00:45:31,719 --> 00:45:33,960
Speaker 2: an lavest a betterment. That's if you have a little

917
00:45:34,000 --> 00:45:37,080
Speaker 2: bit of money outside of your four one K and

918
00:45:37,280 --> 00:45:40,239
Speaker 2: you want you want sort of like a semi hands

919
00:45:40,239 --> 00:45:42,919
Speaker 2: off approach to investing, and that's where like a robo

920
00:45:42,920 --> 00:45:48,040
Speaker 2: advisor can be helpful. Yeah, I have. I've looked into, Like, oh,

921
00:45:48,160 --> 00:45:51,879
Speaker 2: personal Capital is another one. Personal Capital is pretty good.

922
00:45:52,080 --> 00:45:54,239
Speaker 2: You It's it's sort of it's like it's like a

923
00:45:54,360 --> 00:45:58,640
Speaker 2: mint coupled with an advicement, an investment advisory firm, like

924
00:45:58,680 --> 00:46:02,239
Speaker 2: a digital investment advisory. So I think you have to

925
00:46:02,320 --> 00:46:04,799
Speaker 2: have a certain amount of assets. But it's I love

926
00:46:04,880 --> 00:46:06,719
Speaker 2: it because I love their interface so much, and it's

927
00:46:06,800 --> 00:46:08,760
Speaker 2: it's where I get my networth at. I love Personal

928
00:46:08,840 --> 00:46:11,840
Speaker 2: Capital's like whole interface. Okay, And if you want to

929
00:46:11,960 --> 00:46:14,879
Speaker 2: like go the next step up, you can get one

930
00:46:14,920 --> 00:46:17,960
Speaker 2: on one coaching from their advisors. I don't actually know

931
00:46:18,040 --> 00:46:20,680
Speaker 2: what their fees are, but it's something to look into too.

932
00:46:20,800 --> 00:46:21,600
Speaker 2: Personal Capital.

933
00:46:22,080 --> 00:46:23,880
Speaker 1: Okay, Oh, I've heard about them too. I've heard good

934
00:46:23,920 --> 00:46:27,319
Speaker 1: things about them. I mean somebody just hit I think

935
00:46:27,360 --> 00:46:28,920
Speaker 1: I feel like somebody hit me on social media. It

936
00:46:29,000 --> 00:46:31,520
Speaker 1: was like Tiffany, I like Personal Capital have do you heard?

937
00:46:31,560 --> 00:46:34,000
Speaker 1: Have you heard of them? These kind of like new

938
00:46:34,200 --> 00:46:37,480
Speaker 1: These companies are new Wish, Like it's a movement that's

939
00:46:37,520 --> 00:46:40,560
Speaker 1: been growing, but it's new Wish. So it's really to

940
00:46:40,719 --> 00:46:45,880
Speaker 1: answer the question for folks who want to invest but

941
00:46:46,719 --> 00:46:48,759
Speaker 1: don't traditionally want to kind of sit in front of

942
00:46:48,800 --> 00:46:52,120
Speaker 1: a person. They're like, what financial advisor, but also are

943
00:46:52,200 --> 00:46:53,560
Speaker 1: like I don't know what to do. So it's just

944
00:46:53,719 --> 00:46:56,640
Speaker 1: like it's a great way to do it yourself, but

945
00:46:56,760 --> 00:47:00,000
Speaker 1: not oveway by yourself. It's almost like going to college.

946
00:47:00,040 --> 00:47:01,279
Speaker 1: So you're like, I'm an adult, but you live in

947
00:47:01,320 --> 00:47:03,319
Speaker 1: the dorm and there's like a dor mom, and you're like, okay,

948
00:47:03,360 --> 00:47:06,759
Speaker 1: you're you live by you, you're independent with help, you know.

949
00:47:08,000 --> 00:47:10,360
Speaker 2: I think it's really exciting to look. It's also like

950
00:47:10,560 --> 00:47:13,239
Speaker 2: if it you know, if it's I think it's really

951
00:47:13,280 --> 00:47:15,680
Speaker 2: smart that you're doing net worths four years and because

952
00:47:15,719 --> 00:47:17,919
Speaker 2: it's almost like, okay, we've worked on the budget, worked

953
00:47:17,920 --> 00:47:19,920
Speaker 2: on credit debt, you should have a bit of a

954
00:47:20,000 --> 00:47:21,880
Speaker 2: net worth now, so now how do you maximize it?

955
00:47:21,960 --> 00:47:24,000
Speaker 2: And that's for these tools, and that's where looking at

956
00:47:24,000 --> 00:47:27,160
Speaker 2: an investment strategy. This is the exciting part where you're like, Okay,

957
00:47:27,360 --> 00:47:31,040
Speaker 2: I'm in a pretty solid place, yeah, and I'm ready

958
00:47:31,080 --> 00:47:32,040
Speaker 2: to make my money work for me.

959
00:47:33,160 --> 00:47:34,799
Speaker 1: And that's why we've done it like this, like I've

960
00:47:34,800 --> 00:47:37,560
Speaker 1: been really because what I what I also try to

961
00:47:37,600 --> 00:47:39,279
Speaker 1: make sure that we do is we really try to

962
00:47:39,360 --> 00:47:43,320
Speaker 1: listen to the DreamCatcher. So that's the community that allows

963
00:47:43,400 --> 00:47:46,560
Speaker 1: me to help them move forward financially. And so we

964
00:47:46,719 --> 00:47:49,239
Speaker 1: always are doing surveys and also too, we have our

965
00:47:49,239 --> 00:47:51,400
Speaker 1: Facebook group, so I'm always like kind of taking a

966
00:47:51,480 --> 00:47:53,839
Speaker 1: temperature in the group of like what are people talking about.

967
00:47:53,920 --> 00:47:56,359
Speaker 1: In the beginning, the first the ritual challenge was all

968
00:47:56,360 --> 00:47:59,480
Speaker 1: about the fundamentals because people were literally like I'm just

969
00:47:59,520 --> 00:48:02,000
Speaker 1: trying to say five dollars a month. So I was like, okay,

970
00:48:02,080 --> 00:48:04,560
Speaker 1: how do we get you to the fundamentals of basic budgeting,

971
00:48:04,680 --> 00:48:07,279
Speaker 1: basic money mindset? And then it was like everybody want

972
00:48:07,320 --> 00:48:09,440
Speaker 1: to save more and I'm like okay, And then it

973
00:48:09,560 --> 00:48:11,439
Speaker 1: was like okay, girl, I'll have some savings. My credit

974
00:48:11,560 --> 00:48:14,080
Speaker 1: is crazy. Then it's like Okay, So it's I'm really

975
00:48:14,160 --> 00:48:16,960
Speaker 1: wanting to push us forward, and so I don't know

976
00:48:17,080 --> 00:48:18,799
Speaker 1: what next year is going to be. Like I said,

977
00:48:18,800 --> 00:48:21,719
Speaker 1: I take a temperature, I ask questions, I look at

978
00:48:21,760 --> 00:48:24,960
Speaker 1: the survey and then it but it'll it'll build upon networth.

979
00:48:25,000 --> 00:48:28,239
Speaker 1: It might be the Investment Challenge, it might be the

980
00:48:29,160 --> 00:48:32,600
Speaker 1: small business edition of you know So, but just whatever

981
00:48:32,680 --> 00:48:35,560
Speaker 1: the next level kind of looks like. And then and

982
00:48:35,600 --> 00:48:37,560
Speaker 1: then I think that'll be it, quite honestly, and this

983
00:48:37,680 --> 00:48:40,000
Speaker 1: is my first time saying it publicly, but I think

984
00:48:40,120 --> 00:48:44,520
Speaker 1: after that that we'll just loop the challenges back around again,

985
00:48:44,600 --> 00:48:47,760
Speaker 1: that it'll it'll round at at five solid free challenges

986
00:48:48,239 --> 00:48:50,360
Speaker 1: and then you know, we'll go back and start with

987
00:48:50,400 --> 00:48:52,480
Speaker 1: the fundamentals again for those who want to do that again,

988
00:48:52,560 --> 00:48:55,680
Speaker 1: and just like reloop every five years with the challenges.

989
00:48:55,760 --> 00:48:58,680
Speaker 1: And honestly, I'm really proud of them because so many

990
00:48:58,800 --> 00:49:02,520
Speaker 1: people have been able to help themselves. Like I always say,

991
00:49:02,520 --> 00:49:04,360
Speaker 1: I don't want to be your financial guru. I think, like,

992
00:49:05,000 --> 00:49:07,200
Speaker 1: first of all, I don't I know like five things,

993
00:49:07,280 --> 00:49:10,400
Speaker 1: and I'm like, girl, I don't know, but what I

994
00:49:10,480 --> 00:49:12,200
Speaker 1: do know is how to teach, and so if I

995
00:49:12,520 --> 00:49:15,040
Speaker 1: figure it out after messing up, or I can phone

996
00:49:15,040 --> 00:49:17,239
Speaker 1: a friend. I know how to put it in a

997
00:49:17,320 --> 00:49:19,239
Speaker 1: way that you can now help yourself. I want to

998
00:49:19,280 --> 00:49:21,759
Speaker 1: be your financial girlfriend where I'm like, I'm not here

999
00:49:21,800 --> 00:49:25,319
Speaker 1: to tell you like everything, and you're supposed to come

1000
00:49:25,360 --> 00:49:27,239
Speaker 1: back to the well and keep dipping into the well. No,

1001
00:49:27,760 --> 00:49:31,320
Speaker 1: I'm here to create a resource that can teach you

1002
00:49:31,840 --> 00:49:35,440
Speaker 1: that has been well researched, not just from my own knowledge,

1003
00:49:35,719 --> 00:49:38,560
Speaker 1: that I've partnered with really dope people to make sure

1004
00:49:38,600 --> 00:49:42,760
Speaker 1: that the information is correct and accurate, and that teaches

1005
00:49:42,840 --> 00:49:44,759
Speaker 1: you in a way that honors where you currently are

1006
00:49:45,200 --> 00:49:46,840
Speaker 1: and teaches you in a way that you're able to

1007
00:49:46,920 --> 00:49:50,160
Speaker 1: reteach the people in your network. Because a guru has

1008
00:49:50,239 --> 00:49:52,560
Speaker 1: to talk to everyone. A girlfriend just talks to you,

1009
00:49:52,800 --> 00:49:54,880
Speaker 1: and then you're the girlfriend to your girlfriends. And so

1010
00:49:55,000 --> 00:49:56,920
Speaker 1: that's what i want. I want to teach you and

1011
00:49:56,960 --> 00:49:59,040
Speaker 1: for you to take that information and to share with

1012
00:49:59,160 --> 00:50:02,680
Speaker 1: other people. And that's how movements really move forward. Because

1013
00:50:02,680 --> 00:50:04,800
Speaker 1: one day I'm gonna have twins and I'm gonna be

1014
00:50:04,840 --> 00:50:09,360
Speaker 1: too busy for all of this. Wait what, I don't know.

1015
00:50:09,480 --> 00:50:11,560
Speaker 1: That's what Superman said. He's like, you know, we haven't twins, right,

1016
00:50:11,600 --> 00:50:15,759
Speaker 1: I'm like, please stop wishing twins upon my unius. It's

1017
00:50:15,840 --> 00:50:18,040
Speaker 1: like and my mom today said it. She was like,

1018
00:50:18,120 --> 00:50:20,719
Speaker 1: I was just thinking about you. I think you guys

1019
00:50:20,760 --> 00:50:23,040
Speaker 1: should go for twins. I'm like, why is everybody telling

1020
00:50:23,080 --> 00:50:26,080
Speaker 1: us because he's just going for well, because well, because

1021
00:50:26,280 --> 00:50:28,080
Speaker 1: so my surgery is gonna be in like two weeks.

1022
00:50:28,280 --> 00:50:29,840
Speaker 1: So we haven't talked about how we're gonna be our taping,

1023
00:50:29,920 --> 00:50:33,520
Speaker 1: but so and so my fibride surgery, and then three

1024
00:50:33,560 --> 00:50:36,720
Speaker 1: months after that we can try to have a baby.

1025
00:50:36,840 --> 00:50:40,200
Speaker 1: But I think honestly that instead of like waiting for

1026
00:50:40,360 --> 00:50:42,200
Speaker 1: just the natural route, I think I'm actually gonna go

1027
00:50:42,320 --> 00:50:45,520
Speaker 1: for in vitro because I'm thirty eight. So I just

1028
00:50:45,640 --> 00:50:48,239
Speaker 1: kind of feel like, girl, maybe pro thirty i'd be like, well,

1029
00:50:48,320 --> 00:50:50,200
Speaker 1: let's try for a year naturally. But I feel like,

1030
00:50:51,120 --> 00:50:53,399
Speaker 1: you know, at thirty eight, I'm kind of like, let's

1031
00:50:53,440 --> 00:50:55,360
Speaker 1: stack the odds in our favor. Plus he's got that

1032
00:50:55,480 --> 00:50:57,839
Speaker 1: good insurance so that they paid for everything, they paid,

1033
00:50:57,840 --> 00:51:01,880
Speaker 1: they would pay for everything, and you know, yeah, one

1034
00:51:01,920 --> 00:51:04,640
Speaker 1: of his coworkers actually had twins. She chose to have

1035
00:51:04,760 --> 00:51:07,799
Speaker 1: two fertilized eggs and planted, and he was like, well,

1036
00:51:07,880 --> 00:51:09,680
Speaker 1: you know what that means. I'm like, I don't actually

1037
00:51:09,760 --> 00:51:13,920
Speaker 1: know what that means, but I'm becoming more and more

1038
00:51:13,960 --> 00:51:16,880
Speaker 1: open to the thought of twins because although I know

1039
00:51:16,960 --> 00:51:18,960
Speaker 1: it would be a lot, especially for the first time

1040
00:51:19,040 --> 00:51:22,759
Speaker 1: out that I don't know that I just don't know

1041
00:51:22,840 --> 00:51:25,840
Speaker 1: at thirty eight, if I'm gonna be able to do

1042
00:51:26,000 --> 00:51:27,400
Speaker 1: it twice, you know what I mean. Like, there's like,

1043
00:51:27,680 --> 00:51:30,080
Speaker 1: if I get pregnant this one time, this might be it,

1044
00:51:30,200 --> 00:51:32,440
Speaker 1: you know what I mean. So, and I kind of

1045
00:51:32,480 --> 00:51:34,080
Speaker 1: don't want to just have one kid. I mean, more

1046
00:51:34,080 --> 00:51:35,200
Speaker 1: and more that I think about. I mean, we have

1047
00:51:35,280 --> 00:51:39,000
Speaker 1: bonus daughter, which I love, and she's eleven, so I

1048
00:51:39,160 --> 00:51:41,600
Speaker 1: really I mean, I grew up with sisters close to

1049
00:51:41,680 --> 00:51:43,080
Speaker 1: my age, and I know what it is to have

1050
00:51:43,160 --> 00:51:45,480
Speaker 1: someone close to your age to play with and hang

1051
00:51:45,560 --> 00:51:47,680
Speaker 1: out with, and that should beff and I kind of

1052
00:51:47,719 --> 00:51:53,279
Speaker 1: want that for my kid, And so I'm thinking about twins. Girl,

1053
00:51:53,680 --> 00:51:59,040
Speaker 1: we shall see a budgeted the babies, Oh, Chad, I'm

1054
00:51:59,040 --> 00:52:01,000
Speaker 1: gonna make those. The time those kids are five, they

1055
00:52:01,040 --> 00:52:05,000
Speaker 1: will have paid for their their college tuition with I'm like,

1056
00:52:05,440 --> 00:52:07,200
Speaker 1: I need we're gonna be doing a blog post. Guy,

1057
00:52:07,239 --> 00:52:08,960
Speaker 1: Are you guys ready? Are the babies ready, let's go.

1058
00:52:10,520 --> 00:52:13,320
Speaker 2: I'm just excited for all the amazing financial conversations we

1059
00:52:13,400 --> 00:52:18,760
Speaker 2: can have about in vitro fertilization and exciting. Yes, please

1060
00:52:19,280 --> 00:52:22,359
Speaker 2: continue being continue experiencing these things.

1061
00:52:22,760 --> 00:52:25,719
Speaker 1: It's nerve wracking because everybody who's had in vitro wants

1062
00:52:25,760 --> 00:52:27,080
Speaker 1: to tell me how much it hurts. I'm like, girl,

1063
00:52:27,239 --> 00:52:29,480
Speaker 1: I don't want to hear all that, just like having.

1064
00:52:29,280 --> 00:52:31,440
Speaker 2: You know, like you gotta like pump yourself for home

1065
00:52:31,480 --> 00:52:33,360
Speaker 2: owns before they even inject you, Like.

1066
00:52:33,520 --> 00:52:37,360
Speaker 1: Yeah, you know exactly, And so I mean, I'm just

1067
00:52:37,440 --> 00:52:40,680
Speaker 1: trying to get through the fibroids. So you know, it's

1068
00:52:40,680 --> 00:52:42,800
Speaker 1: because it's nervous because I actually just last night on

1069
00:52:42,880 --> 00:52:45,600
Speaker 1: the news they had like this like breakthrough where they

1070
00:52:45,680 --> 00:52:48,080
Speaker 1: have this fibroid pill now, but it's not fully vetted.

1071
00:52:48,320 --> 00:52:49,960
Speaker 1: So my mom was telling me about it and I

1072
00:52:50,120 --> 00:52:51,719
Speaker 1: was like, well, Wammy, I don't know how far off

1073
00:52:51,760 --> 00:52:53,799
Speaker 1: that is, like my surgeries in two weeks. I don't

1074
00:52:53,840 --> 00:52:55,319
Speaker 1: want to push it off. And then it's like, well,

1075
00:52:55,400 --> 00:52:56,879
Speaker 1: do you get the surgery where they cut you open

1076
00:52:56,960 --> 00:52:59,680
Speaker 1: like a c section, or you did get the lapiscopic

1077
00:52:59,719 --> 00:53:02,440
Speaker 1: I think where they kind of like laser it out,

1078
00:53:02,480 --> 00:53:05,520
Speaker 1: and so just there's so many choices and so many

1079
00:53:05,680 --> 00:53:08,960
Speaker 1: risks depending what you choose, and then if you choose

1080
00:53:09,000 --> 00:53:10,759
Speaker 1: the surgery, there might be scar tissue, you can never

1081
00:53:10,840 --> 00:53:13,600
Speaker 1: get pregnant. There's just honestly, everybody.

1082
00:53:15,040 --> 00:53:17,919
Speaker 2: One of my friends has just gone through this whole

1083
00:53:18,000 --> 00:53:21,560
Speaker 2: fibroid situation this last year over the summer, she'd had

1084
00:53:21,600 --> 00:53:24,759
Speaker 2: the surgery and she is fine. Now okay, so don't

1085
00:53:24,840 --> 00:53:26,840
Speaker 2: I mean, if that can give you any sort of piece,

1086
00:53:27,120 --> 00:53:28,920
Speaker 2: She's okay, she's good, she's healthy.

1087
00:53:29,360 --> 00:53:31,640
Speaker 1: Because I know everybody has so many things and I'm like, ah,

1088
00:53:31,760 --> 00:53:33,400
Speaker 1: but I'm like, you know what, it's scheduled because if

1089
00:53:33,440 --> 00:53:35,640
Speaker 1: I if I try to push it back to do

1090
00:53:35,840 --> 00:53:39,440
Speaker 1: more research, then I'm just not going to do it.

1091
00:53:39,520 --> 00:53:42,160
Speaker 1: And I'm like it has to happen because these five words.

1092
00:53:42,840 --> 00:53:44,560
Speaker 1: And it's so crazy. When I talk to people about

1093
00:53:44,600 --> 00:53:47,600
Speaker 1: five boards, I would say one out of every three

1094
00:53:47,800 --> 00:53:50,360
Speaker 1: women of color that I say, did I tell that

1095
00:53:50,440 --> 00:53:51,920
Speaker 1: I have five boys, They're like, oh, yeah, me too.

1096
00:53:52,000 --> 00:53:54,160
Speaker 1: So either they've already had their kids or they haven't.

1097
00:53:54,200 --> 00:53:56,919
Speaker 1: They're trying to figure out what to do next. Reason

1098
00:53:56,960 --> 00:53:59,319
Speaker 1: why I talk about it because I want to normalize

1099
00:53:59,360 --> 00:54:02,040
Speaker 1: the fact that this is something that specifically our Brown

1100
00:54:02,040 --> 00:54:05,880
Speaker 1: ambition community experiences at a higher rate than other communities,

1101
00:54:05,960 --> 00:54:07,920
Speaker 1: and it's something that we should talk about that it

1102
00:54:07,960 --> 00:54:11,239
Speaker 1: shouldn't be some hidden secret, you know, And what do

1103
00:54:11,360 --> 00:54:13,319
Speaker 1: you do? A lot of women are like, well, girl,

1104
00:54:13,360 --> 00:54:15,440
Speaker 1: I had my baby, so I'm good, you know, or

1105
00:54:15,840 --> 00:54:17,920
Speaker 1: like you know, a lot of women I know have

1106
00:54:18,080 --> 00:54:21,160
Speaker 1: used exercise and diet. So I mean, I've definitely lost

1107
00:54:21,200 --> 00:54:24,520
Speaker 1: weight and I've changed my diet. But I just don't

1108
00:54:24,560 --> 00:54:26,440
Speaker 1: have the time to kind of wait. Like if, like

1109
00:54:26,480 --> 00:54:28,279
Speaker 1: I said, if I was a little bit younger, maybe

1110
00:54:28,320 --> 00:54:29,759
Speaker 1: I'd be like, you know what, I'm going to rock

1111
00:54:29,800 --> 00:54:32,400
Speaker 1: out this year, strict diet and exercise, shrink them naturally,

1112
00:54:32,719 --> 00:54:35,120
Speaker 1: and then go for the baby. But at this point,

1113
00:54:35,160 --> 00:54:37,200
Speaker 1: I'm just like take them out because I want to

1114
00:54:37,200 --> 00:54:40,879
Speaker 1: get this party started right.

1115
00:54:44,800 --> 00:54:49,160
Speaker 2: You know what I found out you can purchase pregnancy

1116
00:54:49,239 --> 00:54:52,239
Speaker 2: tests and condoms with your FSA money.

1117
00:54:53,120 --> 00:54:55,840
Speaker 1: Really that's excellent, yes, because.

1118
00:54:55,600 --> 00:54:58,160
Speaker 2: I may or may not have on December thirty, it's

1119
00:54:58,160 --> 00:55:00,479
Speaker 2: been trying to blow through all my FSA money because

1120
00:55:00,480 --> 00:55:03,520
Speaker 2: I put way too much in there. Whoopsie. And you

1121
00:55:04,120 --> 00:55:06,320
Speaker 2: you know, your flex savings account or sorry is a

1122
00:55:06,360 --> 00:55:08,719
Speaker 2: flex spending account, So you can put up to like

1123
00:55:08,800 --> 00:55:10,719
Speaker 2: twenty six hundred dollars in their year, And I thought

1124
00:55:10,880 --> 00:55:12,359
Speaker 2: I had a bunch of dental work, but I still

1125
00:55:12,440 --> 00:55:14,680
Speaker 2: ended up with like six hundred bucks left over. Whoops.

1126
00:55:15,040 --> 00:55:18,120
Speaker 2: And you either use it or you lose it. So yeah,

1127
00:55:18,520 --> 00:55:19,880
Speaker 2: I found out though you can go to you can

1128
00:55:19,960 --> 00:55:21,960
Speaker 2: go to like drugstore dot website. So I went to

1129
00:55:22,040 --> 00:55:24,600
Speaker 2: drugstore dot com. Well what I what I happened was

1130
00:55:24,640 --> 00:55:27,360
Speaker 2: I went to Walgreens dot or right, yeah, drugstore dot com,

1131
00:55:27,440 --> 00:55:29,760
Speaker 2: which is like owned by Walgreens now, and they actually

1132
00:55:29,840 --> 00:55:32,120
Speaker 2: have an FSA shop in there. So everything in that

1133
00:55:32,280 --> 00:55:34,880
Speaker 2: little category on the site you can pay for with

1134
00:55:35,040 --> 00:55:37,600
Speaker 2: your benefits card. So you know, I may or may

1135
00:55:37,640 --> 00:55:40,719
Speaker 2: not have gotten a bunch of unneeded pregnancy tests, like

1136
00:55:40,800 --> 00:55:44,960
Speaker 2: did those expire? I don't even yeah, like six.

1137
00:55:45,520 --> 00:55:47,920
Speaker 1: You're like, yeah, I'll take all of them, all the tests,

1138
00:55:47,960 --> 00:55:48,400
Speaker 1: please take.

1139
00:55:48,400 --> 00:55:51,319
Speaker 2: You just want a little reassurance, you know, like those

1140
00:55:51,320 --> 00:55:55,000
Speaker 2: things aren't cheap. So you know, for me, it's like,

1141
00:55:55,040 --> 00:55:57,879
Speaker 2: oh am I not pregnant? Who but yeah, a bunch

1142
00:55:57,960 --> 00:55:59,920
Speaker 2: of those I mean, but like sun block, I got

1143
00:56:00,160 --> 00:56:01,719
Speaker 2: like a ship ton of the nice band aids that

1144
00:56:01,800 --> 00:56:08,560
Speaker 2: I like. Firstly, it's ridiculous sunscreen. I'm all ready to go. Yeah,

1145
00:56:08,680 --> 00:56:10,640
Speaker 2: I'm ready, and I will not be maxing out my

1146
00:56:10,880 --> 00:56:12,880
Speaker 2: my FSA this year because that was stupid.

1147
00:56:14,000 --> 00:56:15,439
Speaker 1: Well, when you know better, you do better.

1148
00:56:15,600 --> 00:56:17,400
Speaker 2: And now you know better, plan.

1149
00:56:26,680 --> 00:56:34,040
Speaker 1: It's time for week Wednesday, since you know our podcast

1150
00:56:34,160 --> 00:56:38,680
Speaker 1: goes lap on Wednesday. So are you gonna win? Well,

1151
00:56:38,719 --> 00:56:39,439
Speaker 1: we are a winner.

1152
00:56:39,520 --> 00:56:40,440
Speaker 2: There's only one choice.

1153
00:56:40,880 --> 00:56:44,400
Speaker 1: Yeah, that's true. I forget. This is not like but

1154
00:56:44,560 --> 00:56:47,480
Speaker 1: a long day, but a long good day. So what

1155
00:56:47,640 --> 00:56:48,879
Speaker 1: is your win for this week?

1156
00:56:49,239 --> 00:56:52,160
Speaker 2: I have to do a win for I mean, this

1157
00:56:52,360 --> 00:56:57,200
Speaker 2: is this is this is what win for workplace challenges,

1158
00:56:57,400 --> 00:57:01,000
Speaker 2: So a win for and I hope nobody who works

1159
00:57:01,080 --> 00:57:03,359
Speaker 2: for me is listening to this podcast episode. But it's

1160
00:57:03,400 --> 00:57:06,440
Speaker 2: my first time going through performance reviews as a manager,

1161
00:57:07,200 --> 00:57:10,840
Speaker 2: which means actually having to have those conversations with my employees.

1162
00:57:11,320 --> 00:57:14,640
Speaker 2: And I just wanted to do a anticipatory win that

1163
00:57:14,719 --> 00:57:16,520
Speaker 2: I'll do a really good job and I won't mess

1164
00:57:16,560 --> 00:57:19,280
Speaker 2: it up because I'm a little bit nervous of it.

1165
00:57:19,400 --> 00:57:21,360
Speaker 2: I know that's not really a win, but I just

1166
00:57:21,480 --> 00:57:23,640
Speaker 2: want it. I just need some encouraging, encouraging.

1167
00:57:23,760 --> 00:57:26,240
Speaker 1: Now you're gonna You're gonna win you're gonna rock out,

1168
00:57:26,280 --> 00:57:28,400
Speaker 1: You're gonna do well. They're gonna be like, oh my gosh, Mandy,

1169
00:57:28,440 --> 00:57:29,120
Speaker 1: it's amazing.

1170
00:57:30,480 --> 00:57:33,040
Speaker 2: And I'm also stealing some you know. I talked a

1171
00:57:33,080 --> 00:57:36,000
Speaker 2: lot about like things I've learned just going through resumes

1172
00:57:36,040 --> 00:57:38,360
Speaker 2: for open positions, like mistakes people have made and things

1173
00:57:38,360 --> 00:57:40,120
Speaker 2: that I look out for, and I'm i'll be, I'll

1174
00:57:40,160 --> 00:57:42,400
Speaker 2: be I'll be collecting some tips on on how to

1175
00:57:42,480 --> 00:57:45,480
Speaker 2: rock your performance review because I think for a lot

1176
00:57:45,520 --> 00:57:47,120
Speaker 2: of people, this is like the one time of year

1177
00:57:47,160 --> 00:57:49,920
Speaker 2: when they have an opportunity to remind their boss all

1178
00:57:49,960 --> 00:57:52,320
Speaker 2: the amazing things they did. And I've already had one

1179
00:57:52,480 --> 00:57:54,760
Speaker 2: case where someone reminded me of something that she had

1180
00:57:54,800 --> 00:57:56,200
Speaker 2: done earlier this year and I was like, oh, I

1181
00:57:56,280 --> 00:57:59,560
Speaker 2: forgot about that. You're right, that was dope. Yeah, So

1182
00:58:00,040 --> 00:58:03,800
Speaker 2: a win in advance for this whole process and hopefully

1183
00:58:04,000 --> 00:58:06,800
Speaker 2: making the right sort of decisions.

1184
00:58:08,400 --> 00:58:12,160
Speaker 1: Well, my win is kind of collective. So a friend

1185
00:58:12,200 --> 00:58:15,440
Speaker 1: of mine, her name is angeloviin McKnight. She's also an

1186
00:58:15,480 --> 00:58:18,880
Speaker 1: assembly woman. So you guys may have mentioned I remembered

1187
00:58:19,000 --> 00:58:20,720
Speaker 1: that I mentioned this like probably a year or so

1188
00:58:20,800 --> 00:58:25,560
Speaker 1: ago that so she's fairly new. Well, I don't know,

1189
00:58:25,640 --> 00:58:27,560
Speaker 1: maybe like a year or so in into her Assembly

1190
00:58:27,640 --> 00:58:30,000
Speaker 1: women this and she reached out to me and was like,

1191
00:58:30,200 --> 00:58:33,000
Speaker 1: I want to do something as it relates to education.

1192
00:58:33,040 --> 00:58:36,200
Speaker 1: I want to get something passed. And I said, okay, Well,

1193
00:58:36,480 --> 00:58:39,160
Speaker 1: in the state of New Jersey, there's a law where

1194
00:58:39,240 --> 00:58:41,320
Speaker 1: they have to teach some level of financial education in

1195
00:58:41,440 --> 00:58:44,800
Speaker 1: high school. But honestly, I taught preschool for ten years

1196
00:58:44,840 --> 00:58:46,800
Speaker 1: in New Jersey and it needs to start as low

1197
00:58:46,840 --> 00:58:51,280
Speaker 1: as kindergarten because by age truthfully, by age three, kids

1198
00:58:51,320 --> 00:58:53,320
Speaker 1: start saying can you buy me? Not can you can?

1199
00:58:53,400 --> 00:58:55,360
Speaker 1: You can? I have? And she was like really, And

1200
00:58:55,480 --> 00:58:56,880
Speaker 1: I was like, but there's no law for that. I mean,

1201
00:58:57,000 --> 00:58:59,040
Speaker 1: like teachers might teach a little bit about money or whatever,

1202
00:58:59,120 --> 00:59:01,200
Speaker 1: but there needs to be some thing in place, and

1203
00:59:01,320 --> 00:59:04,080
Speaker 1: she said okay. So we sat down together and we

1204
00:59:04,200 --> 00:59:09,000
Speaker 1: started crafting a bill, and then we met with some

1205
00:59:09,160 --> 00:59:11,920
Speaker 1: committee for Education of Kids or something like that and

1206
00:59:12,000 --> 00:59:14,479
Speaker 1: worked on the bill even further. And so the bill

1207
00:59:15,400 --> 00:59:17,960
Speaker 1: kind of like slowly started to grow and she started

1208
00:59:18,000 --> 00:59:22,560
Speaker 1: to get bipartisan support. And so the bill originally was

1209
00:59:22,600 --> 00:59:23,960
Speaker 1: going to be named the Budget East to Bill, but

1210
00:59:24,000 --> 00:59:25,360
Speaker 1: we found out we couldn't name it that because you

1211
00:59:25,360 --> 00:59:27,040
Speaker 1: can't name a bill out of a business, but we

1212
00:59:27,160 --> 00:59:29,640
Speaker 1: call it it that anyway. Really it's Bill A three

1213
00:59:29,720 --> 00:59:31,760
Speaker 1: three sixty nine, but who cares about that. It's the

1214
00:59:31,800 --> 00:59:34,160
Speaker 1: Budget East the bill. So what's super excited that she

1215
00:59:34,280 --> 00:59:36,760
Speaker 1: hit it yesterday and said, so there's three there's four

1216
00:59:36,880 --> 00:59:39,040
Speaker 1: levels of government that had to go through. It had

1217
00:59:39,080 --> 00:59:42,240
Speaker 1: to go through the what did she say? It had

1218
00:59:42,280 --> 00:59:46,360
Speaker 1: to go through the Assembly Committee, then the Assembly House,

1219
00:59:46,680 --> 00:59:49,120
Speaker 1: then the Senate Committee, and recently the Senate House. So

1220
00:59:49,200 --> 00:59:53,680
Speaker 1: there are thirty three senators in New Jersey in all,

1221
00:59:53,840 --> 00:59:57,000
Speaker 1: thirty three, so thirty three to zero voted yes on

1222
00:59:57,160 --> 01:00:00,680
Speaker 1: this bill. So that was the final kind of frontier

1223
01:00:00,880 --> 01:00:03,160
Speaker 1: as far as that part of the government is concerned.

1224
01:00:03,560 --> 01:00:06,360
Speaker 1: And now the last step. The bill now is currently

1225
01:00:06,440 --> 01:00:09,720
Speaker 1: on Governor Chris Christie's desk and all he has to

1226
01:00:09,760 --> 01:00:14,120
Speaker 1: do is sign it and that bill becomes law. Yes,

1227
01:00:14,400 --> 01:00:17,080
Speaker 1: and that law would be that K through eight So

1228
01:00:17,200 --> 01:00:20,360
Speaker 1: kindergarten to eighth grade would have to learn some level

1229
01:00:20,400 --> 01:00:22,600
Speaker 1: and I'm sure we'll figure out the logistics and stuff later,

1230
01:00:22,840 --> 01:00:25,080
Speaker 1: but they have to be taught financial education. So the

1231
01:00:25,120 --> 01:00:26,960
Speaker 1: first time they're not introduced to it for the first

1232
01:00:27,000 --> 01:00:29,040
Speaker 1: time in high school. That they're learning it early on

1233
01:00:29,640 --> 01:00:32,280
Speaker 1: and just to be it's just it feels crazy and

1234
01:00:32,920 --> 01:00:37,120
Speaker 1: historic and momentous to be part of, like something that

1235
01:00:37,200 --> 01:00:39,000
Speaker 1: can be turned into a law. So now I'm like, what,

1236
01:00:39,400 --> 01:00:41,360
Speaker 1: but at least the law even though clearly they're not

1237
01:00:41,400 --> 01:00:45,680
Speaker 1: calling it that, but I'm calling it that. So yeah,

1238
01:00:45,680 --> 01:00:47,680
Speaker 1: I just want to say it. Honestly, I did, like,

1239
01:00:47,800 --> 01:00:50,280
Speaker 1: you know, a little bit of the work upfront. But Angela,

1240
01:00:51,200 --> 01:00:54,360
Speaker 1: Angela v. McKnight, she is amazing because I mean, it's

1241
01:00:54,400 --> 01:00:56,320
Speaker 1: one thing to sit down and say there should be

1242
01:00:56,400 --> 01:00:58,480
Speaker 1: a law, and the law should be this, and that's

1243
01:00:58,520 --> 01:01:01,560
Speaker 1: literally my involvement. Angela, the one with though, is the

1244
01:01:01,600 --> 01:01:03,800
Speaker 1: one that had to go get support on both sides

1245
01:01:03,800 --> 01:01:06,040
Speaker 1: of the aisle and massage it and go to the

1246
01:01:06,120 --> 01:01:07,960
Speaker 1: Senate and go to the Assembly House. And so it's

1247
01:01:07,960 --> 01:01:11,360
Speaker 1: been two years of her tireless work to get it

1248
01:01:11,520 --> 01:01:14,320
Speaker 1: to where it is now. Where I mean the work

1249
01:01:14,360 --> 01:01:15,720
Speaker 1: you have to do behind the scenes. If you watch

1250
01:01:15,760 --> 01:01:18,000
Speaker 1: House of Cards, you see what it looks like to

1251
01:01:18,120 --> 01:01:21,160
Speaker 1: get everybody like on board thirty three to zero that

1252
01:01:21,360 --> 01:01:24,120
Speaker 1: everybody said yes, we want this bill to be a law.

1253
01:01:24,520 --> 01:01:27,280
Speaker 1: So my win truly is for Angela and her tireless

1254
01:01:27,320 --> 01:01:29,520
Speaker 1: work that even before she was an assembly woman, she

1255
01:01:29,640 --> 01:01:33,520
Speaker 1: had started a nonprofit called Angela Cares, where it was

1256
01:01:34,120 --> 01:01:37,720
Speaker 1: to provide support for senior citizens where she lives in

1257
01:01:37,800 --> 01:01:40,640
Speaker 1: Jersey City. She's an amazing woman, a mother, a grandmother

1258
01:01:41,160 --> 01:01:43,400
Speaker 1: and just you ever meet those just kind hearted souls.

1259
01:01:43,600 --> 01:01:45,600
Speaker 1: And she ran for office because she was doing such

1260
01:01:45,640 --> 01:01:49,040
Speaker 1: great work in the community just because that people are like,

1261
01:01:49,600 --> 01:01:51,200
Speaker 1: I want you to be in office, and she was

1262
01:01:51,240 --> 01:01:53,360
Speaker 1: like yeah, and they like pushed her and then I

1263
01:01:53,440 --> 01:01:55,480
Speaker 1: forget what her first election was that she won, and

1264
01:01:55,800 --> 01:01:57,800
Speaker 1: now she's assembly woman and I'm just hoping that she

1265
01:01:57,880 --> 01:02:00,240
Speaker 1: goes further and further because she's one of the one

1266
01:02:00,320 --> 01:02:02,880
Speaker 1: that really does it because she wants to see people

1267
01:02:03,880 --> 01:02:06,480
Speaker 1: do and be better and she's got and just the

1268
01:02:06,560 --> 01:02:09,120
Speaker 1: fact that like she's a brand new assembly woman and

1269
01:02:09,240 --> 01:02:11,840
Speaker 1: for her to have a potential law under her belt,

1270
01:02:11,960 --> 01:02:14,200
Speaker 1: like it speaks volumes to her her character and her

1271
01:02:14,600 --> 01:02:18,280
Speaker 1: ability to get stuff done. And she's brown ambition. So

1272
01:02:18,720 --> 01:02:21,320
Speaker 1: there's not win for the budgetist the law aka law

1273
01:02:21,440 --> 01:02:23,400
Speaker 1: A What did I say, girl? See No one remembers

1274
01:02:23,440 --> 01:02:24,720
Speaker 1: saying A three three sixty nine.

1275
01:02:27,720 --> 01:02:29,280
Speaker 2: I was I was trying to play double Dutch and

1276
01:02:29,320 --> 01:02:30,240
Speaker 2: I was not getting in there.

1277
01:02:31,760 --> 01:02:34,600
Speaker 1: Go ahead, go ahead, Okay, I'm open, rope ahead, it's sick.

1278
01:02:36,240 --> 01:02:38,560
Speaker 2: I just wanted to say it's nice to hear at

1279
01:02:38,600 --> 01:02:40,880
Speaker 2: the local level people making a difference, because I think

1280
01:02:41,320 --> 01:02:44,000
Speaker 2: it can feel like it can feel like, oh, we

1281
01:02:44,080 --> 01:02:46,560
Speaker 2: have a president idiot in the office, blah blah blah,

1282
01:02:46,600 --> 01:02:49,040
Speaker 2: what can I do? But it's people like Angela really

1283
01:02:49,160 --> 01:02:52,960
Speaker 2: like at the grassroots level just running for your local office,

1284
01:02:53,120 --> 01:02:55,840
Speaker 2: you know, like that's something that like anybody can do

1285
01:02:56,120 --> 01:02:57,440
Speaker 2: just to make a little bit of an impact. And

1286
01:02:57,480 --> 01:02:59,280
Speaker 2: I'm a huge hypocrite because its not like I've done that,

1287
01:02:59,440 --> 01:03:02,800
Speaker 2: but that's awesome, awesome, Yeah, go ahead.

1288
01:03:02,800 --> 01:03:05,960
Speaker 1: And Plus what I love is that Angela has bigger plans.

1289
01:03:06,000 --> 01:03:08,120
Speaker 1: Her thing is that if New Jersey can pass this

1290
01:03:08,760 --> 01:03:10,959
Speaker 1: and then we can successfully run it, then that's something

1291
01:03:11,040 --> 01:03:12,720
Speaker 1: that we can kind of like roll over to other

1292
01:03:12,840 --> 01:03:17,280
Speaker 1: states to say, hey, we have a model that works Pennsylvania,

1293
01:03:17,760 --> 01:03:20,240
Speaker 1: New York, and you know, so hopefully this is just

1294
01:03:20,320 --> 01:03:24,439
Speaker 1: the first of many states to adopt this this law,

1295
01:03:24,600 --> 01:03:26,600
Speaker 1: and we can make it a federal law, which would

1296
01:03:26,600 --> 01:03:27,120
Speaker 1: be amazing.

1297
01:03:27,680 --> 01:03:30,200
Speaker 2: Dope. That was a nice way to end the show,

1298
01:03:30,520 --> 01:03:34,720
Speaker 2: I know, right, and it was financial look on message.

1299
01:03:38,280 --> 01:03:39,440
Speaker 2: Well happy new Year.

1300
01:03:40,000 --> 01:03:41,720
Speaker 1: Yes, Happy New Year to YouTube.

1301
01:03:41,840 --> 01:03:45,200
Speaker 2: Um, yeah, you guys how many. If you guys want

1302
01:03:45,240 --> 01:03:48,160
Speaker 2: to give us a belated holiday gift, you could go

1303
01:03:48,200 --> 01:03:50,920
Speaker 2: to iTunes and leave us a review. That would be

1304
01:03:50,960 --> 01:03:53,920
Speaker 2: a spectacular. We happen to get a lot of nice

1305
01:03:53,920 --> 01:03:56,800
Speaker 2: little messages over the holidays, but you guys could really

1306
01:03:56,880 --> 01:03:59,000
Speaker 2: make a good impact if you left us reviews on

1307
01:03:59,200 --> 01:04:03,320
Speaker 2: iTunes because iTunes shows people our show based on the

1308
01:04:03,400 --> 01:04:05,680
Speaker 2: number of reviews we get and of course downloads. So

1309
01:04:05,840 --> 01:04:08,400
Speaker 2: thank you so much for your support. Share the love,

1310
01:04:08,600 --> 01:04:12,080
Speaker 2: tell a friend and hit us up at brand Ambition

1311
01:04:12,200 --> 01:04:16,640
Speaker 2: podcast dot com. Come send us questions. We're on Facebook,

1312
01:04:16,720 --> 01:04:20,880
Speaker 2: Brown Ambition and on Twitter at the BA podcast.

1313
01:04:22,240 --> 01:04:25,040
Speaker 1: Yes. So this was awesome. It was a nice kind

1314
01:04:25,080 --> 01:04:28,760
Speaker 1: of like welcome back, welcome back. Well, I'm gonna take

1315
01:04:28,800 --> 01:04:30,320
Speaker 1: us hot with a song, so you can fade this

1316
01:04:30,400 --> 01:04:33,400
Speaker 1: go Mandy, you know, like in post protection, welcome back,

1317
01:04:33,640 --> 01:04:38,560
Speaker 1: welcome back, welcome back, Come on, Mandy, welcome back, welcome back.

1318
01:04:40,160 --> 01:04:45,480
Speaker 2: Was saying welcome at the end. I had too many questions.

1319
01:07:20,360 --> 01:07:22,640
Speaker 1: I'm like whatever, I feel like, come on. And then

1320
01:07:22,720 --> 01:07:24,560
Speaker 1: on top of that, well, you know, I saw a

1321
01:07:24,600 --> 01:07:25,920
Speaker 1: lot of people who were mad at the parents. But

1322
01:07:26,120 --> 01:07:28,280
Speaker 1: one thing one of my friends who actually in the

1323
01:07:28,320 --> 01:07:30,800
Speaker 1: industry and her daughter models, and she was like, typically

1324
01:07:31,240 --> 01:07:34,200
Speaker 1: you signed a contract that say he says that that

1325
01:07:34,440 --> 01:07:37,200
Speaker 1: you know, whatever pictures come out, that's what they're gonna be.

1326
01:07:37,360 --> 01:07:39,520
Speaker 1: And two, they don't like parents to be a distraction

1327
01:07:39,640 --> 01:07:41,480
Speaker 1: on the set, So you don't get to see what

1328
01:07:41,600 --> 01:07:43,760
Speaker 1: your child is wearing. You just know it's H and V.

1329
01:07:43,760 --> 01:07:45,480
Speaker 1: It's not like he's gonna be naked, you know, so

1330
01:07:45,840 --> 01:07:47,520
Speaker 1: he's gonna wear a hoodie or whatever. But you don't

1331
01:07:47,520 --> 01:07:49,720
Speaker 1: get to actually see the pictures. And then the pictures

1332
01:07:49,840 --> 01:07:54,360
Speaker 1: typically parents see them when when when the world sees them?

1333
01:07:54,760 --> 01:07:56,479
Speaker 1: And so that because a lot of people were saying,

1334
01:07:56,520 --> 01:07:58,920
Speaker 1: what why did his parents allow us? And they might

1335
01:07:59,040 --> 01:08:02,880
Speaker 1: not have known until we kind of knew. But let's

1336
01:08:02,880 --> 01:08:05,600
Speaker 1: place the blame where the blame lies. I don't despite

1337
01:08:05,680 --> 01:08:07,959
Speaker 1: it being even if it was taken in Sweden, where

1338
01:08:08,120 --> 01:08:12,200
Speaker 1: maybe that's not considered racist, but you put the ad

1339
01:08:12,320 --> 01:08:14,680
Speaker 1: here in the United States, where you know better. I mean,

1340
01:08:14,720 --> 01:08:17,080
Speaker 1: come on now, but I did hear. The good news

1341
01:08:17,160 --> 01:08:21,679
Speaker 1: is that Diddy offered him a million dollar modeling contract

1342
01:08:21,760 --> 01:08:24,080
Speaker 1: for his I don't know if I didn't know if

1343
01:08:24,120 --> 01:08:26,160
Speaker 1: he still had a clothing line, but apparently offer him

1344
01:08:26,160 --> 01:08:28,519
Speaker 1: a million dollar modern modeling contract, which is dope?

1345
01:08:29,160 --> 01:08:30,280
Speaker 2: Is Sean John still a sen?

1346
01:08:31,240 --> 01:08:33,280
Speaker 1: I know that? I was like, is that I'm not

1347
01:08:33,400 --> 01:08:36,639
Speaker 1: so either way, I'm like, go ahead, Diddy, go ahead.

1348
01:08:37,240 --> 01:08:38,960
Speaker 2: I like, I don't just run out of things to

1349
01:08:39,000 --> 01:08:42,680
Speaker 2: say about things like that. Just yeah, I just like,

1350
01:08:42,840 --> 01:08:45,559
Speaker 2: I don't know, someone just needs to be fired, Swoop

1351
01:08:45,640 --> 01:08:48,960
Speaker 2: him up, put him in the trash, move on.

1352
01:08:49,400 --> 01:08:53,080
Speaker 1: I don't know what somebody it feels like. I just

1353
01:08:53,400 --> 01:08:55,800
Speaker 1: so you just don't have anybody of color like on

1354
01:08:55,920 --> 01:08:59,320
Speaker 1: your team will Sweden? You said, well yeah, but still,

1355
01:08:59,400 --> 01:09:01,839
Speaker 1: I mean like, okay, so if pictures are shot in Sweden,

1356
01:09:02,320 --> 01:09:05,519
Speaker 1: do they not like trickle down to So if if

1357
01:09:06,280 --> 01:09:10,240
Speaker 1: marketing stuff is not gonna if it's something that you

1358
01:09:10,360 --> 01:09:13,080
Speaker 1: created for the overall company is going to be shared

1359
01:09:13,120 --> 01:09:15,880
Speaker 1: in different markets, is there not like some sort of

1360
01:09:16,280 --> 01:09:20,040
Speaker 1: like oversight committee, because you know, what might go in

1361
01:09:20,280 --> 01:09:23,880
Speaker 1: in in the Hispanic market might not go well over

1362
01:09:24,320 --> 01:09:27,000
Speaker 1: in Uh, you know, I don't in an African market,

1363
01:09:27,600 --> 01:09:29,360
Speaker 1: you know what I mean? So, like I would assume

1364
01:09:29,600 --> 01:09:32,400
Speaker 1: with a I'm sure h and M is a billion dollar,

1365
01:09:32,479 --> 01:09:35,640
Speaker 1: if not multi multi multimillion dollar company, that there's some

1366
01:09:35,720 --> 01:09:38,720
Speaker 1: sort of oversight committee because you just knowing that all

1367
01:09:38,800 --> 01:09:42,120
Speaker 1: things don't fly everywhere, you know, and just looking like, huh,

1368
01:09:42,840 --> 01:09:47,120
Speaker 1: calling this little brown boy a monkey via his sweatshirt

1369
01:09:47,280 --> 01:09:51,519
Speaker 1: might not be a good idea, but it's just yeah, it's.

1370
01:09:51,360 --> 01:09:53,360
Speaker 2: Like you thought that the dove ad was bad. That

1371
01:09:53,439 --> 01:09:58,920
Speaker 2: was a brown shirt exactly, and yeah this was H

1372
01:09:58,960 --> 01:09:59,800
Speaker 2: and M's like my.

1373
01:10:01,880 --> 01:10:05,880
Speaker 1: Yeah, wow, sorry to bring it down, but you know,

1374
01:10:05,920 --> 01:10:07,160
Speaker 1: I just had to make sure we got that out

1375
01:10:07,160 --> 01:10:08,519
Speaker 1: because I was just like, put in the heck.

1376
01:10:09,320 --> 01:10:12,160
Speaker 2: Well, I'm actually going to bring you down and uh,

1377
01:10:12,520 --> 01:10:17,720
Speaker 2: possibly upset you because I'm really sorry. Now. Yeah, so

1378
01:10:17,960 --> 01:10:19,759
Speaker 2: we weren't recording for the first ten minutes.

1379
01:10:20,840 --> 01:10:21,760
Speaker 1: Oh no, that's not so bad.

1380
01:10:22,240 --> 01:10:28,519
Speaker 2: Okay, No, no, I'm not over Okay, I'm sorry. I

1381
01:10:28,600 --> 01:10:30,720
Speaker 2: didn't realize that I had. I guess when I put

1382
01:10:30,760 --> 01:10:32,200
Speaker 2: my new headphone and it stopped recording.

1383
01:10:32,800 --> 01:10:33,920
Speaker 1: Okay, my bad.

1384
01:10:34,280 --> 01:10:35,880
Speaker 2: But I wrote down a list of things that we

1385
01:10:35,920 --> 01:10:38,720
Speaker 2: talked about Oprah, golden globes, fire and fury, and then

1386
01:10:38,760 --> 01:10:41,160
Speaker 2: we went right into the I picked up right when

1387
01:10:41,200 --> 01:10:43,840
Speaker 2: you started talking about the H and M thing, okay,

1388
01:10:44,640 --> 01:10:45,880
Speaker 2: so we need to do the whole intro again.

1389
01:10:45,920 --> 01:10:48,639
Speaker 1: I'm sorry, it's okay. You ready yeah,