WEBVTT - Rock Your Net Worth in 2018

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<v Speaker 1>Hey, hey, hey, jass hands and scene. I miss y'all.

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<v Speaker 1>I feels like it's been forever.

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<v Speaker 2>It's been years, year's days.

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<v Speaker 1>What twenty four days with that worse? Is it twenty

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<v Speaker 1>four days twenty four hours? I don't know whatever Tony

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<v Speaker 1>was saying. I feel like it's that times two thousand.

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

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<v Speaker 1>making it great?

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<v Speaker 2>Eight two thousand year the year. Then we're all gonna

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<v Speaker 2>do better.

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<v Speaker 1>Yeah, twenty eighteen is gonna come over here, sit down

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<v Speaker 1>next to me, don't touch nothing, and behave yourself.

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<v Speaker 2>Although I think I just said two thousand and eight,

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<v Speaker 2>so I'm already not doing better now.

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<v Speaker 1>Oh my gosh. So how was your New Year's Did

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<v Speaker 1>you do anything special?

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<v Speaker 2>We just kept it chill. We well, actually, you know

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<v Speaker 2>how Oh I don't know if you have this issue,

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<v Speaker 2>but when you have relatives in different like we have

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<v Speaker 2>two different families now and basically we missed Thanksgiving and

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<v Speaker 2>Christmas with my mother in law. So she was like,

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<v Speaker 2>do not even think that you're not going to be

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<v Speaker 2>here on New Year's Eve? I am I am like reserving,

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<v Speaker 2>She's like, I'm calling. I'm in advance. I'm going to

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

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

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<v Speaker 2>So that's where we work.

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<v Speaker 1>Yeah, that was cute. I was supposed to spend because

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<v Speaker 1>we spent Christmas with ourselves and then I hung up

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<v Speaker 1>my family a little bit. But for New Year's we

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

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<v Speaker 1>The flu like nearly took me out, so instead I

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<v Speaker 1>spent it at home trying not to die. So I

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

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

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<v Speaker 1>Let's talk about Mama opraen these golden globes, and then

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<v Speaker 1>we could get then we could take up the trash later.

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<v Speaker 1>All right, fine, So Lady Oh, Oh, Lady Oh delivered

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<v Speaker 1>the most amazing, inspiring speech nine full minutes where they

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<v Speaker 1>did not even turn on the music because they knew

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<v Speaker 1>better for Lady Oh, and it was just it was

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<v Speaker 1>just what we needed to hear. And so I just

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<v Speaker 1>want to I just want to take a moment to

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<v Speaker 1>say thank you, Oprah. You are the Queen Bee, the

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<v Speaker 1>Queen Oh, I don't.

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

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<v Speaker 2>I know that there's all this speculation about will she

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<v Speaker 2>or won't she, But I feel like I don't even

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<v Speaker 2>know if I don't know if Oprah being I mean,

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<v Speaker 2>obviously I think she'd be an amazing president, but I

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<v Speaker 2>feel like right now, we just need something to soothe

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<v Speaker 2>our souls. And I feel like the entire Golden Globes,

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<v Speaker 2>like Oprah's speech was definitely like the highlight, Like I

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<v Speaker 2>basically just stopped watching after that. But the whole Globes,

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<v Speaker 2>with the Me Too movement and all the all the

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<v Speaker 2>celebrities wearing black and solidarity to show that they, you know,

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

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<v Speaker 2>Like like the fear around the whole Me Too movement

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<v Speaker 2>was that, you know, is this like a flash in

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<v Speaker 2>the pan? Is it really going to last? And is

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<v Speaker 2>it going to like touch people's lives who aren't celebrities

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<v Speaker 2>and who don't have huge platforms and you know, lots

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<v Speaker 2>and lots of money, and so to have the Times

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<v Speaker 2>Up movement that they started, they you know, they put

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<v Speaker 2>out that they announced it on New Year's day in

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<v Speaker 2>this like massive splashy like New York Times one page

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<v Speaker 2>ad and it's three hundred actresses, producers, like high powered

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<v Speaker 2>women in Hollywood who are getting together. But they're not

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<v Speaker 2>just you know. Initially I was like, ough, like whatever,

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<v Speaker 2>they're just you know, it's the rich, celebrity women, you know,

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<v Speaker 2>trying to create another sort of you know, awareness movement

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<v Speaker 2>around sexual harassmentch was fine, But what I've really what

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<v Speaker 2>changed my mind about it was the fact that they

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<v Speaker 2>are actually creating this Legal Defense Fund, Oh yes, yes,

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<v Speaker 2>which is meant to They've already raised thirteen million dollars,

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<v Speaker 2>but then they've opened up a GoFundMe account where you

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<v Speaker 2>can contribute, and the funds in this Legal Defense Fund

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<v Speaker 2>are meant to reach women who are not in the

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<v Speaker 2>same privilege position as them as the founders of this movement,

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<v Speaker 2>who may not be able to like, who aren't willing

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<v Speaker 2>to speak up about what's happening to them at work

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<v Speaker 2>because they're afraid of losing their jobs or they don't

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<v Speaker 2>have the resources to take people to court.

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<v Speaker 1>I just love when people who put their money where

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

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<v Speaker 1>but like, you know, figuratively because it's like you can

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<v Speaker 1>talk about it, but do you be about it? And

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<v Speaker 1>so to see women like, you know, in power and

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<v Speaker 1>positions of power and wealth quite honestly, to say, you

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<v Speaker 1>know what, everyone is not in our position to come

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<v Speaker 1>forward and be able to still support themselves. So we're

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<v Speaker 1>going to do more than just like talk about it.

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<v Speaker 1>You know, We're going to do something. And to see

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<v Speaker 1>all the women who were black, except for the unfortunate

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

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

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<v Speaker 1>A red dress? No one told you? I felt bad.

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

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<v Speaker 1>you could tell. She was like wait. I was like, ma'am,

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<v Speaker 1>are you not in the secret Facebook group where they

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<v Speaker 1>said everybody were black? Don't play yourself? And it wasn't

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<v Speaker 1>even like she wore dark green. It was cherry red

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<v Speaker 1>with cutouts. She was like, I know, but no. It

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<v Speaker 1>was just really great to see that, you know, even

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<v Speaker 1>like the subtle, the not so subtle shade of celebs

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<v Speaker 1>on stage like Natalie Portman when she said and the

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<v Speaker 1>all male nominees for director are Ron Howard next to

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<v Speaker 1>her looked like Yi looked like Mike Myers when when

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<v Speaker 1>Kanye said George Bush doesn't care about black people, he

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

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<v Speaker 1>be a meme, a word, and it was just so

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<v Speaker 1>dope tall. So also see Tauana Burke, right, the woman

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<v Speaker 1>that started the Me Too movement?

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<v Speaker 2>Yep.

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<v Speaker 1>Yeah, I love the fact that, like, you know, Michelle

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<v Speaker 1>Williams brought her on the red carpet because I don't

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<v Speaker 1>want with all of this incredible momentum that that she

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<v Speaker 1>her name, her legacy and what she started is lost,

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

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<v Speaker 1>see that that's happened.

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<v Speaker 2>I think it made up for the fact that Time

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<v Speaker 2>magazine left her off the cover of Person of the

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<v Speaker 2>Year when they named the Me Too movement. Yea, and

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<v Speaker 2>they didn't put the founder on the cover. But she's

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<v Speaker 2>she's doing she's doing just fine.

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<v Speaker 1>Yeah. A friend of mine is like friends with her,

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<v Speaker 1>and she she was the one who dropped the ball

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<v Speaker 1>on New York in New York on New Year's and yeah,

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<v Speaker 1>they were out there lit with the their fur and

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

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<v Speaker 1>East coast. That was awesome. Okay, now time to take

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<v Speaker 1>out the trash. Let's talk about how somebody's president not

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

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<v Speaker 1>to see two grown men like him and Kim Junk.

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<v Speaker 1>I'm not going to get the.

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<v Speaker 2>Kim Jong un yes North Korea.

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<v Speaker 1>Okay, Yeah, I didn't want to get his name wrong,

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<v Speaker 1>and I don't want to be disrespectful of his name.

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

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<v Speaker 2>So he's threatening to blow us up all the time,

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<v Speaker 2>So I wouldn't like to upset at you if he

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<v Speaker 2>didn't get his name right, just saying well, Kim, why

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<v Speaker 2>little rocketman?

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

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<v Speaker 1>who shall not be naming little Kim. We're going back

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

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

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<v Speaker 1>little gleam in my eye happened when I'm Steve Bannon,

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<v Speaker 1>Donald Trump's right hand, you know, decided to slap him

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<v Speaker 1>with it, and I thought, this is great. I cannot wait.

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<v Speaker 1>Well now that fire and theory, so for those of

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

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<v Speaker 1>I guess it was written during the election, not during

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<v Speaker 1>well during like the actual campaign, time before the election happened.

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<v Speaker 1>Is that when that book was written.

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<v Speaker 2>I don't know when it was written, but it covers

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<v Speaker 2>it covers the Trump campaign in as early days in

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<v Speaker 2>the administration.

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

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<v Speaker 1>just had some critical things to say about the president

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<v Speaker 1>during that time, and they showed up in the book,

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<v Speaker 1>like he called him I'm patriotic and said that that

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<v Speaker 1>his meeting with Russia was treasonis basically true thing, true team.

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<v Speaker 1>But of course the president was livid because he's five

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<v Speaker 1>and Steve Bannon has now been demoted and demoted again

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<v Speaker 1>and demoted again, so much so now that he's not

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<v Speaker 1>even at his beloved media company. Racist right remdia compute

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<v Speaker 1>what is it called? Barhart? Right?

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<v Speaker 2>Bright bart same thing, bear.

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<v Speaker 1>Disrespectable thing. So yeah, I was just like, wow, it

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

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

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<v Speaker 1>clearly you are slowly dying on the inside, and I'm

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<v Speaker 1>here for it.

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<v Speaker 2>The significance of the fall of Steve Bannon, I think,

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<v Speaker 2>because so if you guys wonder why does this matter,

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<v Speaker 2>you have to consider that Steve Bannon has these huge,

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<v Speaker 2>hugely rich supporters who have been giving him money and

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<v Speaker 2>being like you, now, you go find the next Trump,

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<v Speaker 2>and you get the next Trump elected in small town USA,

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<v Speaker 2>all over the country, taking open seats in Congress. And

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<v Speaker 2>that is what Steve Bannon has been doing, trying to

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<v Speaker 2>back anti Republican establishment candidates. And so the fact that

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<v Speaker 2>he's seen such huge, massive donors to his cause back

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<v Speaker 2>out in the wake of his remarks in this book,

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<v Speaker 2>and now he stepped down for bright bart News, it's

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<v Speaker 2>taking away that power. And I think a lot of

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<v Speaker 2>people are excited about that.

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<v Speaker 1>Okay, I think yeah, and I just because it's hopefully

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<v Speaker 1>it's the it's the you know, just another little piece

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

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<v Speaker 1>say about that, you know.

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<v Speaker 2>I mean, at least we have a stable genius in

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<v Speaker 2>the White House.

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<v Speaker 1>Yeah, oh, oh my goodness. And so no, you know what,

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<v Speaker 1>I thought, it was a little bit giggly. So and

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<v Speaker 1>I I'm sure she's not stupid. But it was funny

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<v Speaker 1>that when Oprah did her speech the next day, Avanka

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<v Speaker 1>Trump tweeted her. It was like, oh my god, it

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<v Speaker 1>was so inspiring. It was amazing. And I saw all

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<v Speaker 1>these people tweeting her, like, girl, like should I tell her?

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<v Speaker 1>Should or should we just leave it? To leave her

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<v Speaker 1>because she's talking about your father Bublue, Like, and I

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<v Speaker 1>think you mentioned before like that, yes that you you know,

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<v Speaker 1>you believe that. Obviously she knows, but she's kind of

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<v Speaker 1>like like a little subtle dig But I'm like, girl,

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<v Speaker 1>your blood relation. I can't. I can't.

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<v Speaker 2>I just feel like if there was you know, if

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<v Speaker 2>you have you seen Get Out, yes I have, if

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<v Speaker 2>there were such thing as a sunken place for women,

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<v Speaker 2>like they're in that movie, there was a sunken place

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<v Speaker 2>where African Americans would go. I feel like she's in

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<v Speaker 2>the sunken place of womanhood, Like she's just I mean,

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<v Speaker 2>how could you be in this, in this administration supporting

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<v Speaker 2>it as a woman. I just feel like her, Sarah Huckabee,

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

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<v Speaker 1>Yeah, well, you know, hopefully they arise out of that

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<v Speaker 1>sunken place and if not, they will sync with the

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<v Speaker 1>ship and we will wave at them from the top. Oh,

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<v Speaker 1>any other buzz things that you want to talk about.

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<v Speaker 2>I do want to mention real quick at speaking of

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<v Speaker 2>the Globes, just real quick to because I don't think

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<v Speaker 2>we mentioned earlier that there were some first a lot

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<v Speaker 2>of first I mean, apart from Viola Davis being amazing

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<v Speaker 2>with her natural hair, a couple of like first time winners.

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<v Speaker 2>So Sterling K. Brown became the first African American man

0:11:34.600 --> 0:11:37.720
<v Speaker 2>to win in his category Best Actor in a Drama.

0:11:38.320 --> 0:11:41.040
<v Speaker 2>Oprah of course was like not just making history with

0:11:41.080 --> 0:11:43.360
<v Speaker 2>her speech, but just her mere presence winning that award.

0:11:43.480 --> 0:11:46.040
<v Speaker 2>She was the first African American woman to win that award.

0:11:46.120 --> 0:11:49.720
<v Speaker 2>It was called the Cecil be the Cecil b Merit Award.

0:11:49.800 --> 0:11:55.000
<v Speaker 2>I forget Cecil something award by the by the Golden Globes.

0:11:55.120 --> 0:11:58.199
<v Speaker 2>And who was the third one, Oh Azizanzari. Yeah, he

0:11:58.360 --> 0:12:01.360
<v Speaker 2>was the first Asian to win. But I think he

0:12:01.480 --> 0:12:03.520
<v Speaker 2>was Best Actor in a Comedy for Master of None.

0:12:03.720 --> 0:12:06.160
<v Speaker 1>Yes, I like when I saw that, I was like,

0:12:06.480 --> 0:12:09.360
<v Speaker 1>because I honestly I love him. He seems like the

0:12:09.480 --> 0:12:11.559
<v Speaker 1>guy from high school that was like in your like

0:12:11.679 --> 0:12:13.559
<v Speaker 1>you know, English class that had you rolling in the

0:12:13.640 --> 0:12:15.600
<v Speaker 1>back and you were like, ausise, I'm gonna get an ass,

0:12:15.600 --> 0:12:20.920
<v Speaker 1>stop making me laugh. Oh yes, I'm just And honestly,

0:12:20.960 --> 0:12:23.120
<v Speaker 1>it was a magical knighte people's speeches were just great

0:12:23.200 --> 0:12:25.599
<v Speaker 1>and yeah, I'm just I'm just proud of all the

0:12:25.679 --> 0:12:27.200
<v Speaker 1>brown ambition that we saw on stage.

0:12:27.920 --> 0:12:29.839
<v Speaker 2>Absolutely, there could have been a little bit more. It

0:12:29.920 --> 0:12:31.640
<v Speaker 2>did sort of feel like if you watched the whole

0:12:31.640 --> 0:12:33.520
<v Speaker 2>show all the way through, it did feel a little

0:12:33.520 --> 0:12:36.800
<v Speaker 2>bit like I only wish that more women of color

0:12:36.840 --> 0:12:38.720
<v Speaker 2>had won awards because I feel like the people who

0:12:38.800 --> 0:12:41.360
<v Speaker 2>won were getting a lot of time to speak, and

0:12:41.720 --> 0:12:44.240
<v Speaker 2>you really didn't hear but one women of color or

0:12:44.320 --> 0:12:46.840
<v Speaker 2>one at black woman's voice that I can recall now.

0:12:46.840 --> 0:12:49.560
<v Speaker 2>I remember I stopped watching like later in the show,

0:12:49.640 --> 0:12:51.760
<v Speaker 2>But I don't think that there were significant women of

0:12:51.800 --> 0:12:55.319
<v Speaker 2>color who won besides Oprah. So until Oprah spoke, I

0:12:55.600 --> 0:12:58.640
<v Speaker 2>didn't see any other you know, of color making speeches.

0:12:58.679 --> 0:13:01.160
<v Speaker 2>It was a lot of white women who had who

0:13:01.200 --> 0:13:03.800
<v Speaker 2>were winning you know, awards in their category, which was great.

0:13:04.280 --> 0:13:06.320
<v Speaker 2>But I think just because there weren't as many winners

0:13:06.320 --> 0:13:08.559
<v Speaker 2>of color, you didn't you didn't like hear those voices

0:13:09.520 --> 0:13:14.520
<v Speaker 2>as much. This was kind of sad, but yeah, you know, yeah.

0:13:14.360 --> 0:13:16.880
<v Speaker 1>No, yeah, Now we got to take a week of

0:13:16.960 --> 0:13:17.880
<v Speaker 1>take and push back.

0:13:19.080 --> 0:13:20.959
<v Speaker 2>But I am. I am excited for the new year.

0:13:21.160 --> 0:13:24.719
<v Speaker 2>I I know, right before the before we broke for

0:13:24.960 --> 0:13:28.760
<v Speaker 2>the holiday, we had talked about resolutions and like paying

0:13:28.840 --> 0:13:32.439
<v Speaker 2>down debt and stuff, and I wanted to reveal bomb

0:13:32.600 --> 0:13:37.559
<v Speaker 2>so some some numbers around debt around the holidays. So

0:13:37.720 --> 0:13:40.760
<v Speaker 2>every year Magnify Money, we put out the survey and

0:13:40.880 --> 0:13:43.280
<v Speaker 2>we ask people the week after Christmas, you know, did

0:13:43.320 --> 0:13:45.920
<v Speaker 2>you take out did you take on debt over the holidays?

0:13:45.920 --> 0:13:48.240
<v Speaker 2>And if you did, how much debt? And for the

0:13:48.320 --> 0:13:50.360
<v Speaker 2>past three years we've been doing this survey and guess

0:13:50.400 --> 0:13:55.280
<v Speaker 2>which direction the number is going up? Up, up, up. Yeah.

0:13:55.800 --> 0:13:57.679
<v Speaker 1>So actually I don't get it.

0:13:58.400 --> 0:14:01.079
<v Speaker 2>Well, I think that people well I think honestly, so

0:14:01.200 --> 0:14:04.600
<v Speaker 2>the economy's doing really well. The markets have been amazing,

0:14:04.760 --> 0:14:07.839
<v Speaker 2>like having record market returns and not just that, but

0:14:08.040 --> 0:14:10.520
<v Speaker 2>unemployment is at an all time low. So I think

0:14:10.559 --> 0:14:13.000
<v Speaker 2>people are feeling more confident. I mean just there's all

0:14:13.040 --> 0:14:15.400
<v Speaker 2>these indices that show that consumers are more confident, and

0:14:15.440 --> 0:14:17.800
<v Speaker 2>I feel like people just feel like things are great,

0:14:17.880 --> 0:14:20.280
<v Speaker 2>why worry about this little credit card? Like I can

0:14:20.320 --> 0:14:24.120
<v Speaker 2>handle this. So this year, on average, people who took

0:14:24.160 --> 0:14:27.920
<v Speaker 2>out took on holiday debt racked up over one thousand

0:14:27.920 --> 0:14:32.200
<v Speaker 2>and fifty dollars on credit debt alone, which doesn't sound

0:14:32.280 --> 0:14:33.880
<v Speaker 2>like a ton of money, But if you think about it,

0:14:33.960 --> 0:14:36.080
<v Speaker 2>like if if you're if you're the kind of person

0:14:36.120 --> 0:14:38.880
<v Speaker 2>who maybe has opened up like a store credit card

0:14:38.920 --> 0:14:41.160
<v Speaker 2>around the holidays, and you put a thousand bucks on

0:14:41.240 --> 0:14:43.480
<v Speaker 2>that card, if you just make the minimum payment on

0:14:43.560 --> 0:14:45.640
<v Speaker 2>that card, and you have like a twenty plus percent

0:14:45.720 --> 0:14:48.240
<v Speaker 2>interest rate, you could easily be paying that card off

0:14:48.280 --> 0:14:51.560
<v Speaker 2>for the next five six years, like totally and hundreds

0:14:51.600 --> 0:14:55.880
<v Speaker 2>of dollars in interest charges. So it's significant. And I

0:14:55.920 --> 0:14:58.920
<v Speaker 2>don't know about you, but I feel like I think

0:14:58.960 --> 0:15:01.640
<v Speaker 2>that this is a inagible amount of debt for anyone

0:15:01.720 --> 0:15:04.880
<v Speaker 2>to have, for the average person to have. But what

0:15:05.040 --> 0:15:09.160
<v Speaker 2>scares me is, like things are great now, but what

0:15:09.320 --> 0:15:11.000
<v Speaker 2>if you let this debt linger and you just sort

0:15:11.040 --> 0:15:13.120
<v Speaker 2>of like take your time paying it down, and then

0:15:13.160 --> 0:15:15.320
<v Speaker 2>when things aren't so great, then all of a sudden,

0:15:15.720 --> 0:15:18.200
<v Speaker 2>you've got this debt that you didn't pay off when

0:15:18.240 --> 0:15:21.320
<v Speaker 2>things were a little bit flusher in the bank and

0:15:21.440 --> 0:15:24.640
<v Speaker 2>now you're like stuck with it and then you're missing payments.

0:15:24.760 --> 0:15:27.560
<v Speaker 2>And I think that's like how the spiral starts. Yeah,

0:15:27.960 --> 0:15:31.400
<v Speaker 2>it's like it's it's taking care of debt when you can,

0:15:31.600 --> 0:15:35.080
<v Speaker 2>when you have the means, so that when you something

0:15:35.240 --> 0:15:37.280
<v Speaker 2>happens and you don't have the means, like you're not

0:15:37.440 --> 0:15:40.800
<v Speaker 2>getting stuck down the rabbit hole, which I think a

0:15:40.840 --> 0:15:43.000
<v Speaker 2>lot of like a lot of smart people do.

0:15:45.040 --> 0:15:47.120
<v Speaker 1>No. And honestly, it's one of the reasons why Superman

0:15:47.200 --> 0:15:50.760
<v Speaker 1>that I wanted to get our house quite honestly in cash,

0:15:51.040 --> 0:15:54.960
<v Speaker 1>you know, because it was like, Okay, if you know,

0:15:55.200 --> 0:15:57.480
<v Speaker 1>I don't know where life is going to lead, and

0:15:57.960 --> 0:16:01.200
<v Speaker 1>you know, I'm nervous by nature, nervous chuck, not because

0:16:01.200 --> 0:16:03.040
<v Speaker 1>I hate cha, you know, I just have to forget.

0:16:04.080 --> 0:16:07.680
<v Speaker 1>But I just although I know business is great, I

0:16:07.800 --> 0:16:09.440
<v Speaker 1>just seem too many ups and downs in my life.

0:16:09.480 --> 0:16:12.560
<v Speaker 1>So I want to stabilize parts of my financial life

0:16:12.760 --> 0:16:15.560
<v Speaker 1>to say, okay, so worst case scenario, like you know

0:16:15.920 --> 0:16:18.560
<v Speaker 1>that we will always have enough if our house is

0:16:18.600 --> 0:16:22.840
<v Speaker 1>paid for, we will make enough to cover our expenses,

0:16:23.000 --> 0:16:25.680
<v Speaker 1>like even if I don't have a business anymore, or whatever,

0:16:26.000 --> 0:16:28.680
<v Speaker 1>or there's a shift and trends or whatever, you know,

0:16:29.760 --> 0:16:32.800
<v Speaker 1>And so no, I totally get it that you're right

0:16:32.880 --> 0:16:35.880
<v Speaker 1>that when people are confident, they feel like, oh, I've

0:16:35.880 --> 0:16:37.680
<v Speaker 1>got this debt, because I definitely have been there where

0:16:37.680 --> 0:16:38.880
<v Speaker 1>I'm like, oh, I got this debt and then I

0:16:38.960 --> 0:16:41.160
<v Speaker 1>lost my job, and then I lost my home, and

0:16:41.280 --> 0:16:43.640
<v Speaker 1>I wish I didn't have this credit card debt holding

0:16:43.760 --> 0:16:46.840
<v Speaker 1>me down. A friend of mine actually reached out to

0:16:46.920 --> 0:16:48.720
<v Speaker 1>me and she was struggling with her credit card debt.

0:16:48.800 --> 0:16:51.200
<v Speaker 1>One of her interest rates where like was like twenty

0:16:51.280 --> 0:16:53.720
<v Speaker 1>five or something percent, something crazy, And so I actually

0:16:53.800 --> 0:16:58.840
<v Speaker 1>directed her to the National Foundation of Credit Counseling because

0:16:58.920 --> 0:17:00.280
<v Speaker 1>she was like, I don't have a whole lot of money,

0:17:00.360 --> 0:17:04.119
<v Speaker 1>and all these financial or credit advisors you know, or

0:17:04.359 --> 0:17:06.720
<v Speaker 1>they charge a lot, and you know, not all of

0:17:06.760 --> 0:17:08.119
<v Speaker 1>I used to think all of them were cooks, but

0:17:08.160 --> 0:17:11.080
<v Speaker 1>actually knows some personally and then they're not all. But

0:17:11.440 --> 0:17:17.120
<v Speaker 1>I like the NFCC it's NFCC dot org because they're

0:17:17.760 --> 0:17:21.320
<v Speaker 1>nonprofit based. So so she actually went through it and

0:17:22.119 --> 0:17:25.280
<v Speaker 1>they based her payment like when she pays them to

0:17:25.400 --> 0:17:27.600
<v Speaker 1>help her, they based upon what she makes, so it's

0:17:27.680 --> 0:17:30.920
<v Speaker 1>like super low. She pays like twenty bucks a month

0:17:30.960 --> 0:17:33.560
<v Speaker 1>or whatever while they're like helping her organize her finances

0:17:33.600 --> 0:17:36.000
<v Speaker 1>and and get her credit together and stuff. So that's

0:17:36.040 --> 0:17:37.720
<v Speaker 1>really low because most of the credit folks I know

0:17:37.840 --> 0:17:40.040
<v Speaker 1>charge one hundred plus one hundred dollars or more.

0:17:40.960 --> 0:17:43.240
<v Speaker 2>You're talking about just real quick. This is so the

0:17:43.440 --> 0:17:47.679
<v Speaker 2>NFCC credit counseling, right. So I love the NFCC too,

0:17:47.760 --> 0:17:49.239
<v Speaker 2>and I think there's like, I just want to make

0:17:49.280 --> 0:17:52.920
<v Speaker 2>that distinction between what they're doing. They're a nonprofit, yeah,

0:17:52.920 --> 0:17:55.879
<v Speaker 2>and what like for profit credit counseling or debt relief

0:17:56.320 --> 0:18:01.240
<v Speaker 2>companies promise because like the NFCC, they you need to

0:18:01.320 --> 0:18:04.320
<v Speaker 2>be in a fairly significant amount of debt to qualify

0:18:04.440 --> 0:18:07.960
<v Speaker 2>for their services, but and also have an income so

0:18:08.040 --> 0:18:09.639
<v Speaker 2>that you can actually make your payments. So those like

0:18:09.720 --> 0:18:13.040
<v Speaker 2>the two requirements. But they so you pay them a

0:18:13.119 --> 0:18:16.320
<v Speaker 2>fee every month and then they will work on your

0:18:16.359 --> 0:18:21.520
<v Speaker 2>behalf as much as they can to negotiate, to negotiate

0:18:21.600 --> 0:18:23.720
<v Speaker 2>your debt, come up with solutions to pay dow your debt,

0:18:23.880 --> 0:18:28.280
<v Speaker 2>whether it's consolidation or organizing your debt and prioritizing it, whatnot,

0:18:28.359 --> 0:18:31.120
<v Speaker 2>helping you with that whole strategy. So like there's other

0:18:31.200 --> 0:18:33.399
<v Speaker 2>debt lily firms like you were talking about that charge

0:18:33.800 --> 0:18:38.800
<v Speaker 2>also charge fees to do something similar, but who one

0:18:39.200 --> 0:18:42.879
<v Speaker 2>may do things that are shady, like ask for fees

0:18:43.440 --> 0:18:48.080
<v Speaker 2>upfront before they even do the service, or they may

0:18:48.200 --> 0:18:50.480
<v Speaker 2>say that they can help you negotiate your debts, but

0:18:50.600 --> 0:18:54.119
<v Speaker 2>then actually like the lenders won't even work with them.

0:18:55.520 --> 0:18:57.760
<v Speaker 2>So there's there's definitely things to watch out for. But

0:18:58.040 --> 0:19:01.240
<v Speaker 2>I think the reason, like everyone in that, like people

0:19:01.320 --> 0:19:04.000
<v Speaker 2>like you and me, we always mentioned the National Foundation

0:19:04.080 --> 0:19:07.640
<v Speaker 2>for Credit Counseling, it's because they're nonprofit yep, and they

0:19:07.720 --> 0:19:11.440
<v Speaker 2>are not in it to make money off you exactly.

0:19:11.600 --> 0:19:13.880
<v Speaker 1>And then two that they have locations in like every

0:19:13.920 --> 0:19:18.080
<v Speaker 1>state basically, so you would go to NFCC dot org

0:19:18.680 --> 0:19:20.119
<v Speaker 1>and you would type in your zip code and they

0:19:20.119 --> 0:19:22.320
<v Speaker 1>would show you the nearest place near you. I don't

0:19:22.320 --> 0:19:24.399
<v Speaker 1>even think she actually went in. I think like she

0:19:24.680 --> 0:19:27.199
<v Speaker 1>just like worked through it on the phone, and she's

0:19:27.200 --> 0:19:28.879
<v Speaker 1>actually really happy with it. She had a lot of questions,

0:19:28.920 --> 0:19:31.520
<v Speaker 1>she was really nervous. She ended up consolidating her dad.

0:19:31.560 --> 0:19:35.240
<v Speaker 1>She's like, wow, like I'm gonna be able to pay

0:19:35.240 --> 0:19:38.000
<v Speaker 1>it off sooner. My monthly payments are now lower, and

0:19:38.080 --> 0:19:39.520
<v Speaker 1>she was like, is it normal that they charged me

0:19:39.560 --> 0:19:40.920
<v Speaker 1>a fee. I'm like, well, how much is the fee?

0:19:40.960 --> 0:19:43.000
<v Speaker 1>And she was like twenty bucks a month. I'm like, yes, girl,

0:19:43.080 --> 0:19:46.080
<v Speaker 1>like that is more than fair. So I was just

0:19:46.160 --> 0:19:49.119
<v Speaker 1>really happy that she was happy and was moving toward

0:19:50.040 --> 0:19:52.560
<v Speaker 1>you know that she'll be done in a few years

0:19:52.600 --> 0:19:54.480
<v Speaker 1>and there's no I was like, there's somethings. I told

0:19:54.480 --> 0:19:56.800
<v Speaker 1>her to check on make sure there's no prepayment penalty.

0:19:56.840 --> 0:19:59.720
<v Speaker 1>I know that there wasn't with the NFCC, but I

0:19:59.760 --> 0:20:03.080
<v Speaker 1>want wanted her to be. I wanted her to start

0:20:03.160 --> 0:20:06.600
<v Speaker 1>asking those questions as part of procedure, are there any

0:20:06.640 --> 0:20:09.159
<v Speaker 1>prepayment penalties? What other fees do you have? Like? So

0:20:09.240 --> 0:20:11.520
<v Speaker 1>I had her had kind of like this checklist, and

0:20:11.640 --> 0:20:13.800
<v Speaker 1>so she ended up feeling really empowered and so yeah,

0:20:13.880 --> 0:20:16.240
<v Speaker 1>it's it's just a great organization if you're if you're

0:20:16.320 --> 0:20:19.280
<v Speaker 1>in trouble and you want to you really need some handholding,

0:20:19.359 --> 0:20:30.159
<v Speaker 1>but you can't afford you know, these other companies. Do

0:20:30.280 --> 0:20:32.840
<v Speaker 1>you want to boost or do you want to break?

0:20:35.119 --> 0:20:37.000
<v Speaker 1>I'm excited because I actually have a really good boot today.

0:20:37.000 --> 0:20:38.760
<v Speaker 1>So I was like, we're not giving over boost to break.

0:20:39.040 --> 0:20:41.320
<v Speaker 2>I wasn't gonna but okay, you go first time.

0:20:43.680 --> 0:20:49.560
<v Speaker 1>Essence, it's back black owned. Isn't that so crazy that

0:20:50.359 --> 0:20:50.879
<v Speaker 1>that's something that.

0:20:50.920 --> 0:20:53.040
<v Speaker 2>We have to say that Essences I didn't know that

0:20:53.080 --> 0:20:57.400
<v Speaker 2>they weren't exciting, though I know they.

0:20:57.359 --> 0:20:59.600
<v Speaker 1>Were on my time ink. And so they were actually

0:20:59.680 --> 0:21:03.320
<v Speaker 1>bought by I think his name is Richard mister Richelieu.

0:21:04.000 --> 0:21:07.560
<v Speaker 1>I'm saying his name completely wrong, I'm sure. So he

0:21:07.680 --> 0:21:11.840
<v Speaker 1>actually was the man that founded and created Shamee Moisture,

0:21:12.560 --> 0:21:15.680
<v Speaker 1>and so he actually sold Shamee Moisture to Unilever, and

0:21:15.760 --> 0:21:17.960
<v Speaker 1>I'm sure all that cash he said, what am I

0:21:18.000 --> 0:21:20.639
<v Speaker 1>gonna do with this cash? So he ended up purchasing Essence.

0:21:20.680 --> 0:21:23.119
<v Speaker 1>And what's super exciting is that their executive board is

0:21:23.200 --> 0:21:28.000
<v Speaker 1>all black women, which I'm like, yes, So it's just

0:21:28.560 --> 0:21:31.639
<v Speaker 1>like I know a lot of people that work at Essence,

0:21:31.720 --> 0:21:34.520
<v Speaker 1>and everyone over there is like super duper duper excited,

0:21:34.640 --> 0:21:38.040
<v Speaker 1>and so yeah, So because Essence is not just a magazine,

0:21:38.240 --> 0:21:41.639
<v Speaker 1>Essence is a communications company. So they you know, they

0:21:41.680 --> 0:21:49.040
<v Speaker 1>have Essence Fest and they have conferences and experiential like

0:21:49.119 --> 0:21:51.879
<v Speaker 1>platforms and e commerce and so I'm just I'm just

0:21:51.960 --> 0:21:56.600
<v Speaker 1>really excited to see the direction that Essence takes now

0:21:56.800 --> 0:21:59.880
<v Speaker 1>that the magazine that speaks to black women is run

0:22:00.160 --> 0:22:02.280
<v Speaker 1>basically by black women, which makes sense.

0:22:02.640 --> 0:22:05.080
<v Speaker 2>That's amazing, and it doesn't happen that often.

0:22:05.560 --> 0:22:09.840
<v Speaker 1>It doesn't. So that's a huge boost. You know, twenty eighteen,

0:22:10.000 --> 0:22:12.119
<v Speaker 1>you doing all right, you know, keep it up, keep

0:22:12.160 --> 0:22:14.280
<v Speaker 1>it up, keep it cute. And so that was just

0:22:14.320 --> 0:22:16.760
<v Speaker 1>a little great Like I just saw everybody was super excited.

0:22:16.880 --> 0:22:19.320
<v Speaker 1>I saw people who did not never bought Essence were like,

0:22:19.359 --> 0:22:22.359
<v Speaker 1>I subscribed. I can't wait. Because the truth of the

0:22:22.400 --> 0:22:24.639
<v Speaker 1>matter is like all my young friends, my millennial my

0:22:24.760 --> 0:22:28.320
<v Speaker 1>Mandy millennial friends were like, Essence, nobody reads that magazine anymore.

0:22:28.600 --> 0:22:31.920
<v Speaker 1>But when I was a youngin, Essence was like the

0:22:32.040 --> 0:22:33.720
<v Speaker 1>go to. So it'd be nice to kind of see

0:22:33.720 --> 0:22:36.920
<v Speaker 1>it pop again, you know. Oh on a little side boost,

0:22:37.000 --> 0:22:38.760
<v Speaker 1>I got your car your holiday card today.

0:22:39.400 --> 0:22:42.120
<v Speaker 2>Oh you did, Happy New Year. It's a little bit late.

0:22:42.240 --> 0:22:42.960
<v Speaker 2>Playing the blizzard.

0:22:43.760 --> 0:22:45.800
<v Speaker 1>He was so cute. Summer man is so cute. He

0:22:45.880 --> 0:22:48.280
<v Speaker 1>opened it. He was like, oh, this is so nice.

0:22:48.560 --> 0:22:51.920
<v Speaker 1>Look at Mandy. What did he say? She looks like

0:22:52.119 --> 0:22:55.320
<v Speaker 1>she looks hilarious, she looks like fun or something like that.

0:22:55.400 --> 0:22:57.120
<v Speaker 1>I bet you that's why I Enrique fell in love

0:22:57.200 --> 0:22:57.439
<v Speaker 1>with her.

0:22:57.720 --> 0:22:59.240
<v Speaker 2>I just sometimes like.

0:23:00.040 --> 0:23:02.800
<v Speaker 1>Superman will just say the most like sweetest thing, and

0:23:02.800 --> 0:23:05.120
<v Speaker 1>I'm just looking at him like that was really nice

0:23:05.200 --> 0:23:08.040
<v Speaker 1>to say. He was like, I don't know where. It

0:23:08.160 --> 0:23:09.760
<v Speaker 1>just came out of nowhere. He was just looking at

0:23:09.800 --> 0:23:11.320
<v Speaker 1>the card like he was like, we're putting it on

0:23:11.400 --> 0:23:13.560
<v Speaker 1>refrigerator right here, so it's on our fridge.

0:23:14.320 --> 0:23:15.199
<v Speaker 2>I made the fridge.

0:23:15.440 --> 0:23:17.439
<v Speaker 1>Well, yeah, you made the fridge.

0:23:18.440 --> 0:23:20.840
<v Speaker 2>Meanwhile, mine set them a baby baby cards. I'm like

0:23:21.440 --> 0:23:23.920
<v Speaker 2>this year, I was like, you gotta go. Sorry, little Joey,

0:23:25.520 --> 0:23:26.639
<v Speaker 2>there's no more space for you.

0:23:27.840 --> 0:23:28.199
<v Speaker 1>Anthony.

0:23:28.640 --> 0:23:31.119
<v Speaker 2>Baby Anthony's got a got a new portrait. Gotta put

0:23:31.160 --> 0:23:32.800
<v Speaker 2>that right up front. Yeah we did.

0:23:32.920 --> 0:23:34.639
<v Speaker 1>We did kick somebody else off the fridge, and I

0:23:34.760 --> 0:23:36.320
<v Speaker 1>was like, we gotta kick them off the fridge. He

0:23:36.440 --> 0:23:37.879
<v Speaker 1>was like, it's no, it's time for them to go.

0:23:38.280 --> 0:23:41.280
<v Speaker 1>We're putting Andy. We're putting Mandy in and Enrique here

0:23:41.320 --> 0:23:43.320
<v Speaker 1>and instead. So you know, I was like, okay, I

0:23:43.359 --> 0:23:43.760
<v Speaker 1>can do that.

0:23:44.000 --> 0:23:46.720
<v Speaker 2>Here's my pro tip. I don't like to send Christmas

0:23:46.800 --> 0:23:49.720
<v Speaker 2>cards like pre holiday cards. I send New Year's cards.

0:23:49.760 --> 0:23:49.960
<v Speaker 1>Why.

0:23:50.480 --> 0:23:52.399
<v Speaker 2>I ordered them like two days after the New Year.

0:23:52.440 --> 0:23:56.080
<v Speaker 2>Whenever I can and they always have amazing deals on

0:23:56.240 --> 0:23:58.200
<v Speaker 2>like New Year's cards after the New Year, and you

0:23:58.280 --> 0:23:59.800
<v Speaker 2>know in the mail, like things get there a few

0:23:59.840 --> 0:24:03.400
<v Speaker 2>days after you send them. So I think that's that's

0:24:03.560 --> 0:24:06.040
<v Speaker 2>I think I spent. I saved like seventy percent on

0:24:06.080 --> 0:24:09.280
<v Speaker 2>those New Year's cards because I waited until after the

0:24:09.359 --> 0:24:11.080
<v Speaker 2>New Year, and like looked at all my promo codes

0:24:11.119 --> 0:24:14.120
<v Speaker 2>and stuff, like Ebates had eight percent cash back. Then

0:24:14.160 --> 0:24:16.840
<v Speaker 2>the website had like sixty percent off. It was it

0:24:16.920 --> 0:24:17.440
<v Speaker 2>was exciting.

0:24:18.600 --> 0:24:21.000
<v Speaker 1>That's smart, actually really smart. I'm like because I said,

0:24:21.040 --> 0:24:22.160
<v Speaker 1>I'm like, I want to be one of those people

0:24:22.240 --> 0:24:24.240
<v Speaker 1>that sends the really cute cards with like their family

0:24:24.280 --> 0:24:25.920
<v Speaker 1>and stuff on it and everybody looks forward to it.

0:24:26.720 --> 0:24:32.600
<v Speaker 2>So yeah, man, my boost is gonna be for So.

0:24:32.720 --> 0:24:36.000
<v Speaker 2>I just watched the first episode of Grownish this Weekay,

0:24:36.680 --> 0:24:38.879
<v Speaker 2>so I think I'm a little bit too old for it,

0:24:38.960 --> 0:24:41.000
<v Speaker 2>but I really I'm just like, I was so happy

0:24:41.040 --> 0:24:43.680
<v Speaker 2>because I love Yara Shahidi, who I still can't believe

0:24:43.800 --> 0:24:46.000
<v Speaker 2>is like seventeen and a half or something crazy like that.

0:24:46.560 --> 0:24:49.720
<v Speaker 2>But this is a spinoff from Blackish. They gave her

0:24:49.760 --> 0:24:50.360
<v Speaker 2>her own show.

0:24:50.440 --> 0:24:52.360
<v Speaker 1>Now. Yeah, it looks really cute. I saw a little

0:24:52.359 --> 0:24:52.639
<v Speaker 1>bit of it.

0:24:53.000 --> 0:24:56.280
<v Speaker 2>It feels like it feels like a different world, like

0:24:56.760 --> 0:24:59.400
<v Speaker 2>of this generation, and it was really exciting to see

0:24:59.400 --> 0:25:03.240
<v Speaker 2>it has like a real diverse cast. There's like there's gay,

0:25:03.320 --> 0:25:07.480
<v Speaker 2>there's a bisexual character, there's obvious, there's like a there's

0:25:07.480 --> 0:25:09.720
<v Speaker 2>an Asian character. I don't know. It just feels it

0:25:09.800 --> 0:25:12.320
<v Speaker 2>feels really good and refreshing, and I wish I were

0:25:12.480 --> 0:25:13.840
<v Speaker 2>nineteen be cause I feel like I would love it.

0:25:15.280 --> 0:25:17.840
<v Speaker 2>But shout out to your Shihidi in the Blackish Family

0:25:17.960 --> 0:25:22.520
<v Speaker 2>for the spinoff What Nework is that on? I just

0:25:22.520 --> 0:25:23.600
<v Speaker 2>watch everything on Hulu now.

0:25:23.880 --> 0:25:26.520
<v Speaker 1>Yeah, I'm like, I don't know, demand, I don't know.

0:25:26.880 --> 0:25:29.359
<v Speaker 1>I feel like nobody watches things in real time hardly anymore.

0:25:29.600 --> 0:25:32.000
<v Speaker 2>I could do a whole boost for just female powered,

0:25:32.600 --> 0:25:35.680
<v Speaker 2>women of color powered TV right now, because I feel

0:25:35.720 --> 0:25:37.680
<v Speaker 2>like it's just amazing right now. Lena Waite has a

0:25:37.720 --> 0:25:41.440
<v Speaker 2>new show on Netflix called The Shy Isn't Shy? It

0:25:41.520 --> 0:25:45.520
<v Speaker 2>has to be shy right like Chicago, Chicago? Yeah, it's

0:25:45.560 --> 0:25:50.520
<v Speaker 2>about it. I think it's about the gun violence at Chicago,

0:25:50.640 --> 0:25:52.840
<v Speaker 2>but told through like real stories. I haven't watched it yet,

0:25:52.880 --> 0:25:54.119
<v Speaker 2>but I'm really excited to watch it.

0:25:54.560 --> 0:25:55.440
<v Speaker 1>It looks really good.

0:25:55.680 --> 0:25:58.440
<v Speaker 2>And there's like the new Netflix show with two had

0:25:58.480 --> 0:26:03.680
<v Speaker 2>two chocolate sisters who are like hijacking trains, Like you know,

0:26:03.800 --> 0:26:06.720
<v Speaker 2>it's I feel like, what's really exciting is when you

0:26:06.760 --> 0:26:09.399
<v Speaker 2>see shows about women of color where their color is

0:26:09.440 --> 0:26:10.360
<v Speaker 2>not the focus of the show.

0:26:10.720 --> 0:26:13.159
<v Speaker 1>Yeah. I love that. Uh huh okay, yeah.

0:26:13.040 --> 0:26:14.600
<v Speaker 2>Two teenagers like robbing trains.

0:26:14.600 --> 0:26:18.480
<v Speaker 1>That's fun. And then you know, like Etha Ray got

0:26:18.600 --> 0:26:20.920
<v Speaker 1>like I think she got to a two show deal

0:26:21.040 --> 0:26:24.480
<v Speaker 1>or something like that. Yeah. See, I don't know that's Netflix,

0:26:24.520 --> 0:26:29.040
<v Speaker 1>but I know it's coming it's HBO or probably. Yeah.

0:26:29.040 --> 0:26:31.920
<v Speaker 2>Because I was really sad that she didn't win Best Actress,

0:26:31.960 --> 0:26:34.480
<v Speaker 2>I have to say we go back to the Golden Globes.

0:26:34.520 --> 0:26:36.359
<v Speaker 2>I thought that she should have won. That was a bummer,

0:26:36.560 --> 0:26:40.320
<v Speaker 2>but I digress. She was there with a girl, So.

0:26:40.840 --> 0:26:44.160
<v Speaker 1>Yeah, I know. I love von She is like my favorite.

0:26:44.240 --> 0:26:46.680
<v Speaker 1>We like key Key in our in our group chat,

0:26:46.760 --> 0:26:50.360
<v Speaker 1>like she's just hilarious. Like in real life and on TV.

0:26:50.560 --> 0:26:52.760
<v Speaker 2>She's been blowing up. She had all these sold out

0:26:52.800 --> 0:26:55.880
<v Speaker 2>shows opening up for Chris Rock ivon What's her Last

0:26:55.880 --> 0:26:59.440
<v Speaker 2>Same Orgy ion or oh opening up for Chris Rock

0:26:59.480 --> 0:27:02.360
<v Speaker 2>and Manhattan, and then my friends saw her at Carolines

0:27:02.480 --> 0:27:04.520
<v Speaker 2>the other day, like a sold out show at this

0:27:04.680 --> 0:27:09.280
<v Speaker 2>it's a comedy club in New York, New York. It

0:27:09.520 --> 0:27:11.120
<v Speaker 2>just yeah, it just feels good.

0:27:11.800 --> 0:27:13.600
<v Speaker 1>It does feel good, just good.

0:27:14.240 --> 0:27:16.119
<v Speaker 2>It feels like a boost to boost.

0:27:17.240 --> 0:27:18.800
<v Speaker 1>I feel like you haven't Yeah, I feel like we

0:27:18.880 --> 0:27:21.280
<v Speaker 1>haven't done too boosts in Wow to boost. The Ravens

0:27:21.760 --> 0:27:27.680
<v Speaker 1>tried real hard. Well, I'm excited because as we move

0:27:27.760 --> 0:27:34.520
<v Speaker 1>into ask a question, get an answer, we're gonna focus

0:27:34.600 --> 0:27:38.600
<v Speaker 1>our Q and A today on net worth. Correct, Mandra Yes, So.

0:27:38.920 --> 0:27:41.640
<v Speaker 2>As you guys all know Tiffany on the side, Tiffany

0:27:41.680 --> 0:27:45.480
<v Speaker 2>the Budget Nista Elite, your superhero persona. So for the

0:27:45.560 --> 0:27:47.879
<v Speaker 2>last how many years now three four years, it's our

0:27:47.920 --> 0:27:51.159
<v Speaker 2>fourth year, fourth year doing the Liverature Challenge, and this

0:27:51.320 --> 0:27:53.480
<v Speaker 2>year was all about net worth, which is my favorite

0:27:53.480 --> 0:27:57.200
<v Speaker 2>word ever, networth. So I thought today on the show,

0:27:57.280 --> 0:28:01.199
<v Speaker 2>we could take a question from a listener who's asking

0:28:02.359 --> 0:28:05.359
<v Speaker 2>about how to build her net worth, and I wanted

0:28:05.400 --> 0:28:08.000
<v Speaker 2>to talk to you first about why is net worth

0:28:08.640 --> 0:28:11.639
<v Speaker 2>the most important number you can know about yourself? Just

0:28:11.720 --> 0:28:12.400
<v Speaker 2>to set us up.

0:28:13.080 --> 0:28:17.240
<v Speaker 1>Well, because networth gives a more accurate picture of where

0:28:17.240 --> 0:28:21.000
<v Speaker 1>you really stand. Financially. So if you tell somebody, oh,

0:28:21.680 --> 0:28:25.200
<v Speaker 1>I make thirty thousand dollars a year, they might be like, ooh,

0:28:25.440 --> 0:28:28.040
<v Speaker 1>you broke job. But that's not the full picture because

0:28:28.520 --> 0:28:30.359
<v Speaker 1>that's just what you make. But it doesn't really it

0:28:30.520 --> 0:28:33.159
<v Speaker 1>doesn't really explain or express how much you have as

0:28:33.200 --> 0:28:35.359
<v Speaker 1>far as your finances. And you might tell somebody I

0:28:35.440 --> 0:28:37.399
<v Speaker 1>make a million dollars a year and it sounds awesome,

0:28:38.040 --> 0:28:40.760
<v Speaker 1>but that doesn't, like I said, express where you stand

0:28:40.920 --> 0:28:43.080
<v Speaker 1>as far as your financial health. And so your net

0:28:43.160 --> 0:28:47.120
<v Speaker 1>worth is a it's based upon two numbers. It's based

0:28:47.200 --> 0:28:52.680
<v Speaker 1>upon your assets that's what you own, and your liabilities

0:28:52.720 --> 0:28:54.760
<v Speaker 1>that's what you owe. So your net worth is what

0:28:54.880 --> 0:28:59.000
<v Speaker 1>you own assets minus what you owe liability. So own

0:28:59.240 --> 0:29:03.800
<v Speaker 1>like a car. People some people debate whether your car

0:29:03.880 --> 0:29:05.120
<v Speaker 1>could be an asset.

0:29:05.160 --> 0:29:08.720
<v Speaker 2>It can be saving sort of a praise like you

0:29:08.840 --> 0:29:10.160
<v Speaker 2>only for the value it is, right.

0:29:10.160 --> 0:29:14.560
<v Speaker 1>Yeah, exactly. You're same thing like with if if you

0:29:14.640 --> 0:29:18.680
<v Speaker 1>have investment accounts retirement. So you have to think to

0:29:18.720 --> 0:29:20.960
<v Speaker 1>yourself this way that your assets are things that if

0:29:20.960 --> 0:29:24.600
<v Speaker 1>you were to to liquidate them and get cash for them,

0:29:25.000 --> 0:29:27.920
<v Speaker 1>what would you get. Now that's what your assets are worth.

0:29:28.000 --> 0:29:30.880
<v Speaker 1>So like let's just say you own some pretty expensive jewelry,

0:29:31.000 --> 0:29:32.720
<v Speaker 1>you know, you can include that in your net worth

0:29:32.760 --> 0:29:35.360
<v Speaker 1>of your jury is a substantial enough, you know, not

0:29:35.520 --> 0:29:37.479
<v Speaker 1>like if you have a you know, I mean, if

0:29:37.480 --> 0:29:39.200
<v Speaker 1>you've got like a fifty dollars ring, that's cute, But

0:29:39.280 --> 0:29:41.400
<v Speaker 1>I don't know, I wouldn't necessarily add that to my

0:29:41.520 --> 0:29:43.720
<v Speaker 1>networth unless I unless I was like, you know, young,

0:29:43.800 --> 0:29:48.040
<v Speaker 1>and I didn't have many assets. But your liabilities are

0:29:48.080 --> 0:29:54.360
<v Speaker 1>things like you loan, your mortgage, your car note. So

0:29:54.680 --> 0:29:56.880
<v Speaker 1>some people were asking me, like when they're folks who

0:29:56.920 --> 0:30:00.280
<v Speaker 1>are doing the challenge, delivered your challenge, if if like

0:30:00.320 --> 0:30:03.200
<v Speaker 1>their cable bill is a liability, and I'm like, no,

0:30:03.320 --> 0:30:06.080
<v Speaker 1>unless you're behind. You have to think about your liability

0:30:06.120 --> 0:30:10.120
<v Speaker 1>basically is debt not bills, So something that you have

0:30:10.200 --> 0:30:12.640
<v Speaker 1>to pay down and off, that's the liability.

0:30:12.760 --> 0:30:16.120
<v Speaker 2>So it's different from cash flow, Yes, it is.

0:30:16.120 --> 0:30:19.160
<v Speaker 1>Different from cash flow. It's a networth is a snapshot

0:30:19.320 --> 0:30:22.360
<v Speaker 1>right now of how much and what you own. If

0:30:22.360 --> 0:30:25.480
<v Speaker 1>you would liquidate everything, what would that number be, you know,

0:30:25.960 --> 0:30:28.440
<v Speaker 1>and then how much of what you owe If everybody

0:30:28.560 --> 0:30:30.440
<v Speaker 1>came calling today and say give me my money everything

0:30:30.480 --> 0:30:32.520
<v Speaker 1>that you own me right now what would what would

0:30:32.520 --> 0:30:35.080
<v Speaker 1>the end result be? Would it be negative? At one point,

0:30:35.600 --> 0:30:38.840
<v Speaker 1>I was almost three hundred thousand dollars. My network was

0:30:38.960 --> 0:30:42.080
<v Speaker 1>a negative three hundred thousand almost because I owed the

0:30:42.240 --> 0:30:45.040
<v Speaker 1>house that I eventually lost, which was like two hundred

0:30:45.080 --> 0:30:49.800
<v Speaker 1>thousand my mortgage. I also owed thirty five thousand dollars

0:30:49.840 --> 0:30:52.000
<v Speaker 1>on a credit card because of a scam that I

0:30:52.080 --> 0:30:54.040
<v Speaker 1>was a victim of. And then I also owed fifty

0:30:54.080 --> 0:30:58.240
<v Speaker 1>thousand on a on my student loans, so that was

0:30:58.320 --> 0:31:00.600
<v Speaker 1>like what to eighty and I didn't own and well,

0:31:00.840 --> 0:31:02.800
<v Speaker 1>I had a beat up car, so it was like

0:31:02.840 --> 0:31:05.080
<v Speaker 1>maybe the car's worth pair five thousand. That's literally all

0:31:05.120 --> 0:31:06.960
<v Speaker 1>I had left because I had taken all the money

0:31:06.960 --> 0:31:08.800
<v Speaker 1>out of my retirement account, I had no savings, I

0:31:08.880 --> 0:31:11.120
<v Speaker 1>had no money, maybe like a few bucks in my pocket,

0:31:11.440 --> 0:31:13.200
<v Speaker 1>but that was it. So my net worth was basically

0:31:13.320 --> 0:31:19.120
<v Speaker 1>like negative two seventy five, so pretty steep. And that's

0:31:19.200 --> 0:31:20.840
<v Speaker 1>one of the reasons why I kind of really wanted

0:31:20.840 --> 0:31:23.680
<v Speaker 1>to focus on networth this year with the Liveratuer Challenge,

0:31:23.720 --> 0:31:26.360
<v Speaker 1>because we've done the fundamentals. That was the first year

0:31:26.880 --> 0:31:29.960
<v Speaker 1>we've done the savings edition. That was the second year.

0:31:30.320 --> 0:31:34.320
<v Speaker 1>Last year, you know, we we partnered with Magnify Money,

0:31:34.400 --> 0:31:36.120
<v Speaker 1>and you guys saw Mandy every single week and I'm

0:31:36.120 --> 0:31:38.680
<v Speaker 1>gonna get her on this challenge as well. We did

0:31:38.720 --> 0:31:42.040
<v Speaker 1>the Credit edition, which is really dope, and so this year,

0:31:42.200 --> 0:31:45.160
<v Speaker 1>as usual, the challenge is completely free. It's my gift

0:31:45.240 --> 0:31:48.960
<v Speaker 1>to y'all. You can sign up for the Networth Edition

0:31:49.080 --> 0:31:52.560
<v Speaker 1>at l RC networth dot com. We actually don't have

0:31:52.680 --> 0:31:55.000
<v Speaker 1>like any big sponsor or anything this year, so just

0:31:55.120 --> 0:31:57.080
<v Speaker 1>like kind of like me out of pocket, just like

0:31:57.440 --> 0:32:00.360
<v Speaker 1>sharing because I love to see y'all move full. So

0:32:00.760 --> 0:32:02.680
<v Speaker 1>I can't wait to, you know, take this net Worth

0:32:02.760 --> 0:32:06.320
<v Speaker 1>question so y'all can learn how to make a networth

0:32:06.360 --> 0:32:07.680
<v Speaker 1>pop in twenty eighteen.

0:32:08.240 --> 0:32:10.040
<v Speaker 2>And I love what I love about net worth too,

0:32:10.160 --> 0:32:12.600
<v Speaker 2>And I'll put a link to the Literature Challenge Networth

0:32:12.800 --> 0:32:17.640
<v Speaker 2>LRC Networth THH dot com. Yeah not Network. Someone had

0:32:17.640 --> 0:32:18.360
<v Speaker 2>asked Network, what.

0:32:19.000 --> 0:32:25.720
<v Speaker 1>I know it's my list? I'm sorry. No.

0:32:25.840 --> 0:32:27.959
<v Speaker 2>What I love about it is that it's not it almost.

0:32:28.240 --> 0:32:30.920
<v Speaker 2>I feel like sometimes people are pleasantly surprised by their

0:32:30.960 --> 0:32:33.720
<v Speaker 2>net worth because it's really easy to think about everything

0:32:33.800 --> 0:32:36.880
<v Speaker 2>that is due and everything that maybe like your student

0:32:36.960 --> 0:32:39.600
<v Speaker 2>loan debt or you know, your mortgage or whatnot. But

0:32:40.200 --> 0:32:42.000
<v Speaker 2>when you're talking about your mortgage, you also have to

0:32:42.040 --> 0:32:43.480
<v Speaker 2>look at the equity in your home that you you

0:32:43.960 --> 0:32:46.479
<v Speaker 2>know the value of your home, and take that into account.

0:32:46.520 --> 0:32:48.400
<v Speaker 2>The value the equity in your home is an asset.

0:32:48.520 --> 0:32:51.080
<v Speaker 2>The mortgage is a debt. But when you put them together,

0:32:51.360 --> 0:32:53.240
<v Speaker 2>you have a much smaller number than the debt that

0:32:53.320 --> 0:32:56.360
<v Speaker 2>you owe. Or yeah, you hopefully have a much smaller number.

0:32:57.240 --> 0:32:59.040
<v Speaker 2>So I just think, yeah, it's a more holistic way

0:32:59.080 --> 0:33:01.040
<v Speaker 2>and more like realistic way of looking at what you

0:33:01.160 --> 0:33:04.360
<v Speaker 2>owe and also what you have working for you. So

0:33:04.640 --> 0:33:07.480
<v Speaker 2>love it, love it, love it. So in honor of

0:33:07.560 --> 0:33:10.200
<v Speaker 2>the net Worths Challenge from the Liberature Challenge this year,

0:33:10.680 --> 0:33:13.520
<v Speaker 2>I wanted to take this question and you guys, nothing

0:33:13.600 --> 0:33:15.680
<v Speaker 2>has changed in the new year. You can still send

0:33:15.720 --> 0:33:19.000
<v Speaker 2>your questions to us at Brown Ambition podcast dot.

0:33:18.960 --> 0:33:22.360
<v Speaker 1>Com, well at gmail dot com. I'm like, wait a minute,

0:33:22.560 --> 0:33:26.720
<v Speaker 1>well no, well that's true. I'm sorry, Brad, Oh wait,

0:33:26.760 --> 0:33:27.240
<v Speaker 1>what's happening?

0:33:27.360 --> 0:33:33.920
<v Speaker 2>Let me do that again. Question. Make sure to put

0:33:33.960 --> 0:33:35.680
<v Speaker 2>in your email though, if you want us to use

0:33:35.720 --> 0:33:37.640
<v Speaker 2>your name or not. If you don't, I just assume

0:33:37.640 --> 0:33:39.520
<v Speaker 2>you want me to call your business out there. So uh,

0:33:40.600 --> 0:33:42.560
<v Speaker 2>but thank you so much for your questions, and we

0:33:42.640 --> 0:33:45.840
<v Speaker 2>do answer. These are real questions we're answering, So definitely

0:33:46.000 --> 0:33:47.600
<v Speaker 2>check back on the next episode to see if we

0:33:47.640 --> 0:33:51.360
<v Speaker 2>answered your question. So Ashley, I thought this question was

0:33:51.400 --> 0:33:54.240
<v Speaker 2>really good and fitting for the net Worth conversation. So

0:33:54.360 --> 0:33:57.800
<v Speaker 2>Ashley has this question, she says, I am well, I'm

0:33:57.840 --> 0:34:00.480
<v Speaker 2>grateful for your knowledge and pleasant discussion of topics that

0:34:00.560 --> 0:34:03.400
<v Speaker 2>can sometimes be difficult to discuss. I'm a twenty seven

0:34:03.480 --> 0:34:07.040
<v Speaker 2>year old married teacher of five years. I have a

0:34:07.120 --> 0:34:10.520
<v Speaker 2>tendency to look for more work like tutoring, essay grading,

0:34:10.680 --> 0:34:14.600
<v Speaker 2>academic support, rather than trying to better manage the funds

0:34:14.640 --> 0:34:17.960
<v Speaker 2>I am currently earning. What recommendations do you have for

0:34:18.080 --> 0:34:20.840
<v Speaker 2>a go getter to get on track to get on

0:34:21.000 --> 0:34:24.520
<v Speaker 2>track for better financial management. I see that working hard

0:34:24.640 --> 0:34:27.879
<v Speaker 2>and getting side hustles was great, but I also feel

0:34:27.960 --> 0:34:30.960
<v Speaker 2>like I'm losing time with my family and also have

0:34:31.080 --> 0:34:34.120
<v Speaker 2>to consider that as part of the price. So it's

0:34:34.200 --> 0:34:36.960
<v Speaker 2>like she's taking on a bunch of work trying to

0:34:37.360 --> 0:34:40.719
<v Speaker 2>increase her This is one way to increase your net worth,

0:34:41.520 --> 0:34:44.600
<v Speaker 2>but she's wondering, like could she get further by working

0:34:44.680 --> 0:34:48.759
<v Speaker 2>on the underlying issues that she may have like the

0:34:48.880 --> 0:34:51.239
<v Speaker 2>reasons why she feels like she needs to take on

0:34:51.360 --> 0:34:53.840
<v Speaker 2>this side hustle work in order to have to do

0:34:54.000 --> 0:34:55.960
<v Speaker 2>less of it so she can spend more time with

0:34:56.080 --> 0:34:57.080
<v Speaker 2>her her family.

0:34:58.000 --> 0:35:03.200
<v Speaker 1>Definitely, Honestly, it's to me it's the age old question

0:35:03.440 --> 0:35:06.279
<v Speaker 1>of how do you balance? Because networth is those two

0:35:06.360 --> 0:35:08.799
<v Speaker 1>things that you can make more. That way you can

0:35:08.880 --> 0:35:12.960
<v Speaker 1>have more, or you can spend less. That way you

0:35:13.000 --> 0:35:15.520
<v Speaker 1>can get rid of your debt. And to me, there's

0:35:15.560 --> 0:35:17.440
<v Speaker 1>no right or wrong. It really depends on what your

0:35:17.480 --> 0:35:20.840
<v Speaker 1>personal goals are. So if you have not but I

0:35:20.880 --> 0:35:23.839
<v Speaker 1>will say this that if you have not maximized your

0:35:23.880 --> 0:35:26.600
<v Speaker 1>current budget meaning not meaning that like you know, you're

0:35:26.640 --> 0:35:28.800
<v Speaker 1>counting every little penny and you're not going anywhere or

0:35:28.840 --> 0:35:31.760
<v Speaker 1>anything else, but you're not you don't have an actual

0:35:31.840 --> 0:35:33.879
<v Speaker 1>working budget. You're not kind of looking at the ins

0:35:33.920 --> 0:35:36.360
<v Speaker 1>and outs of how the money is coming in. Definitely

0:35:36.440 --> 0:35:38.680
<v Speaker 1>do that because you might find you don't have to

0:35:38.760 --> 0:35:41.360
<v Speaker 1>work as much as you think. You know, that's the

0:35:41.440 --> 0:35:43.600
<v Speaker 1>key is that I don't believe in what I call

0:35:43.719 --> 0:35:45.600
<v Speaker 1>over sacrifice. What I don't just call it that, it's

0:35:45.800 --> 0:35:48.880
<v Speaker 1>like a word like I don't believe in over sacrifice,

0:35:49.160 --> 0:35:52.239
<v Speaker 1>meaning like you shouldn't do more than you have to

0:35:52.320 --> 0:35:55.160
<v Speaker 1>do to achieve your dream. So if your goal is

0:35:55.280 --> 0:35:59.000
<v Speaker 1>to save let's just say ten thousand dollars in twenty eighteen,

0:35:59.680 --> 0:36:02.600
<v Speaker 1>you can say, well, I can work extra hours to

0:36:02.680 --> 0:36:06.279
<v Speaker 1>make ten thousand. Or you know what if we you know,

0:36:06.680 --> 0:36:09.719
<v Speaker 1>eight out lunch, you know, only three times a week

0:36:09.760 --> 0:36:12.640
<v Speaker 1>instead of five times a week, we could save five

0:36:12.760 --> 0:36:14.080
<v Speaker 1>of the ten and I only have to work half

0:36:14.120 --> 0:36:15.960
<v Speaker 1>as much. So you have to kind of do that

0:36:16.400 --> 0:36:19.920
<v Speaker 1>that like juggling act, but start with your basic budget

0:36:20.200 --> 0:36:22.279
<v Speaker 1>so that way you don't have to over sacrifice, you

0:36:22.360 --> 0:36:24.680
<v Speaker 1>don't have to work as much if that's not what

0:36:24.800 --> 0:36:25.480
<v Speaker 1>you so desire.

0:36:27.080 --> 0:36:30.960
<v Speaker 2>Yeah, and I think too looking at I feel like

0:36:31.040 --> 0:36:34.359
<v Speaker 2>looking at decisions and asking yourself, how is this going

0:36:34.400 --> 0:36:36.520
<v Speaker 2>to impact my net worth? Like once you get that number,

0:36:37.040 --> 0:36:38.880
<v Speaker 2>you know, let's say it's like, I don't know, negative

0:36:38.920 --> 0:36:41.520
<v Speaker 2>five thousand, Like you're making a good income, but you

0:36:41.600 --> 0:36:43.640
<v Speaker 2>have ten thousand dollars in debt and you got five

0:36:43.680 --> 0:36:46.359
<v Speaker 2>thousand in the bank saved up, so your negative five

0:36:46.440 --> 0:36:48.759
<v Speaker 2>thousand dollars net worth. Like, I think, once you have

0:36:48.880 --> 0:36:52.160
<v Speaker 2>that number and every major decision you're about to make,

0:36:52.239 --> 0:36:54.800
<v Speaker 2>asking yourself, like how is this going to impact my

0:36:54.840 --> 0:36:56.239
<v Speaker 2>net worth? Is it going to get bigger or is

0:36:56.280 --> 0:36:58.400
<v Speaker 2>it going to get smaller. I think that that can

0:36:58.480 --> 0:37:00.240
<v Speaker 2>really help people. I mean, I think that's a differference

0:37:00.320 --> 0:37:03.600
<v Speaker 2>between going out and upgrade into the hottest car or

0:37:03.800 --> 0:37:07.160
<v Speaker 2>that new iPhone because you feel like everyone has it, yep,

0:37:07.440 --> 0:37:09.640
<v Speaker 2>versus finding a car that you can drive for ten

0:37:09.719 --> 0:37:12.960
<v Speaker 2>years because it's gonna make your net worth positive.

0:37:13.480 --> 0:37:15.960
<v Speaker 1>Exactly, and it starts to change your decisions. I mean,

0:37:16.320 --> 0:37:18.680
<v Speaker 1>when I first met Superman, he wanted a new car

0:37:18.960 --> 0:37:23.520
<v Speaker 1>so bad, and it took like a herculean effort not

0:37:23.920 --> 0:37:25.480
<v Speaker 1>to convince him not to get a car, not to

0:37:25.520 --> 0:37:27.400
<v Speaker 1>get a car just yet. And so because he had

0:37:27.440 --> 0:37:30.520
<v Speaker 1>a car, he just wanted a new car. And then

0:37:30.600 --> 0:37:33.360
<v Speaker 1>it wasn't until we really started the home buying process

0:37:33.840 --> 0:37:35.480
<v Speaker 1>and he saw that we had enough to get a

0:37:35.560 --> 0:37:39.160
<v Speaker 1>house cash and what that meant. And now there's a

0:37:39.280 --> 0:37:44.279
<v Speaker 1>potential investment property that we're going to purchase, And now

0:37:44.440 --> 0:37:48.239
<v Speaker 1>all of a sudden, he starts he's shifting like what

0:37:48.440 --> 0:37:51.359
<v Speaker 1>he sees that money can do, Like I can get

0:37:51.400 --> 0:37:53.600
<v Speaker 1>this car, or I can get this property that's actually

0:37:53.600 --> 0:37:56.040
<v Speaker 1>going to put one hundred thousand dollars in our pocket. Huh,

0:37:56.680 --> 0:38:00.160
<v Speaker 1>let's do that instead. And so, you know, it's much

0:38:00.239 --> 0:38:02.360
<v Speaker 1>easier to stick to a plan when you have a

0:38:02.400 --> 0:38:05.320
<v Speaker 1>specific goal in mine and the goal is tangible, because

0:38:05.760 --> 0:38:09.839
<v Speaker 1>it shifts your definition of sacrifice because no one really

0:38:09.960 --> 0:38:13.239
<v Speaker 1>likes sacrifice. But I don't feel like what we do

0:38:13.560 --> 0:38:16.520
<v Speaker 1>is sacrifice because in the end, there's so much more

0:38:16.600 --> 0:38:19.080
<v Speaker 1>to be gotten. So asking yourself, you know, kind of

0:38:19.160 --> 0:38:21.480
<v Speaker 1>like what is that end goal? Because then it becomes

0:38:21.560 --> 0:38:24.160
<v Speaker 1>joyful making decisions that put you toward that end goal,

0:38:24.440 --> 0:38:26.040
<v Speaker 1>and you start to realize that the things that you

0:38:26.120 --> 0:38:30.800
<v Speaker 1>wanted to collect before, you know, are actually not not

0:38:30.920 --> 0:38:33.000
<v Speaker 1>as fun because they take you away from your goal

0:38:33.080 --> 0:38:34.240
<v Speaker 1>of financial freedom.

0:38:35.440 --> 0:38:38.920
<v Speaker 2>Yeah, we talk about let's talk about some like actionable

0:38:39.000 --> 0:38:42.440
<v Speaker 2>ways to improve your network. So there's the obvious ones,

0:38:42.520 --> 0:38:45.960
<v Speaker 2>like Ashley is in trying to increase her income. That's

0:38:46.000 --> 0:38:48.879
<v Speaker 2>obviously one way to improve your net worth. Paying down

0:38:48.960 --> 0:38:51.600
<v Speaker 2>your liabilities like debts is one way to increase your

0:38:51.640 --> 0:38:55.719
<v Speaker 2>net worth. Sit and budgeting, you know, cutting expenses so

0:38:55.840 --> 0:38:59.200
<v Speaker 2>that you're like your day to day living expenses are decreased,

0:38:59.200 --> 0:39:02.960
<v Speaker 2>that's another good way. What about like strategic ways to

0:39:03.360 --> 0:39:06.840
<v Speaker 2>increase your net worth. Like for example, one way to

0:39:06.880 --> 0:39:08.880
<v Speaker 2>increase your net worth obviously is to cut expenses so

0:39:08.920 --> 0:39:11.680
<v Speaker 2>you can save more, but think about saving in a

0:39:11.800 --> 0:39:14.440
<v Speaker 2>vehicle that could like really work for you, Like saving

0:39:14.480 --> 0:39:16.840
<v Speaker 2>in a way where your money can actually grow. You know,

0:39:17.400 --> 0:39:20.600
<v Speaker 2>baby steps obviously, like getting an online savings account where

0:39:20.600 --> 0:39:22.560
<v Speaker 2>you might get a better return for your money, or

0:39:22.800 --> 0:39:26.799
<v Speaker 2>a CD where CD rates are arising, or something even

0:39:26.840 --> 0:39:31.360
<v Speaker 2>bigger like what Tiffany's saying, like seeing about investing some savings,

0:39:32.200 --> 0:39:36.799
<v Speaker 2>investing your your finances into an investment property that could

0:39:36.920 --> 0:39:40.520
<v Speaker 2>potentially give you returns. Opening up or contributing to your

0:39:40.520 --> 0:39:43.719
<v Speaker 2>four to one K which can give you return on

0:39:43.800 --> 0:39:46.640
<v Speaker 2>your money over time, or like opening up a brokerage

0:39:46.640 --> 0:39:49.000
<v Speaker 2>account on the side when you feel like you are

0:39:49.040 --> 0:39:50.719
<v Speaker 2>in a place where you can do that because then

0:39:50.760 --> 0:39:53.880
<v Speaker 2>your money is working for you and it's it's like

0:39:54.080 --> 0:39:57.480
<v Speaker 2>adding that extra little bit of something something to your

0:39:57.520 --> 0:40:00.480
<v Speaker 2>strategy so you're not just so you don't like you're

0:40:00.520 --> 0:40:02.320
<v Speaker 2>just like some people can feel like you're digging a

0:40:02.400 --> 0:40:04.240
<v Speaker 2>hole and it's just like filling back up with stand

0:40:04.920 --> 0:40:08.759
<v Speaker 2>is that the expression is that a thing I'm like,

0:40:08.960 --> 0:40:13.040
<v Speaker 2>I haven't heard that you're trying to put down but thanks.

0:40:13.800 --> 0:40:15.080
<v Speaker 1>That's not a normal expression.

0:40:16.440 --> 0:40:17.799
<v Speaker 2>It's like when you get a big plate of food

0:40:17.800 --> 0:40:19.200
<v Speaker 2>at a restaurant and you're like, damn, I feel like

0:40:19.200 --> 0:40:22.399
<v Speaker 2>I've been eating for days and it's not going anywhere. Yeah,

0:40:22.600 --> 0:40:26.080
<v Speaker 2>like that just me, No, okay. Anyway, it helps you

0:40:26.200 --> 0:40:28.480
<v Speaker 2>move the needle a little bit faster to think of,

0:40:28.640 --> 0:40:32.719
<v Speaker 2>like how can I maximize my savings? And you know,

0:40:32.800 --> 0:40:36.080
<v Speaker 2>what about maximizing that? Like if you have income from

0:40:36.120 --> 0:40:38.880
<v Speaker 2>your side hustle, how you know maybe instead of just

0:40:38.960 --> 0:40:41.200
<v Speaker 2>putting it in a regular savings account, if you know,

0:40:41.320 --> 0:40:43.480
<v Speaker 2>if you've got most of your debts paid off and

0:40:43.560 --> 0:40:45.680
<v Speaker 2>you can invest it, like why not make the money

0:40:45.760 --> 0:40:48.960
<v Speaker 2>work a little bit, you know, investing into a brokerage

0:40:48.960 --> 0:40:52.160
<v Speaker 2>account or an IRA or something or an IRA or

0:40:52.200 --> 0:40:55.359
<v Speaker 2>something like that on the side, or putting it toward

0:40:55.360 --> 0:40:58.680
<v Speaker 2>a bigger investment goal, like like an investment property down

0:40:58.719 --> 0:40:59.040
<v Speaker 2>the line.

0:41:00.360 --> 0:41:01.839
<v Speaker 1>There's actually I want to give you a link, Mandy,

0:41:01.880 --> 0:41:05.200
<v Speaker 1>to put on our blog because I've been really trying

0:41:05.239 --> 0:41:12.200
<v Speaker 1>to like a investigate different robo advising companies, you know,

0:41:12.320 --> 0:41:16.560
<v Speaker 1>like Acorns and I think Ally has one. And of

0:41:16.640 --> 0:41:19.279
<v Speaker 1>course there's learned vest that you've used before, and there's

0:41:19.360 --> 0:41:22.560
<v Speaker 1>one called earned Vet no l Vest that I've like.

0:41:22.640 --> 0:41:24.239
<v Speaker 1>I went to New York to meet with them to

0:41:24.320 --> 0:41:25.960
<v Speaker 1>really learn more about what they do. And one thing

0:41:26.040 --> 0:41:28.560
<v Speaker 1>that they have and I'll give you the link for it,

0:41:28.719 --> 0:41:31.239
<v Speaker 1>is that they actually do and I just got mine

0:41:31.280 --> 0:41:32.680
<v Speaker 1>the other day and I thought it was great. They

0:41:32.800 --> 0:41:38.640
<v Speaker 1>do a free investment plan which can cost anywhere from

0:41:38.800 --> 0:41:41.320
<v Speaker 1>one thousand dollars plus. And because I had actually paid

0:41:41.400 --> 0:41:44.160
<v Speaker 1>an investment advisor not too long ago to create an

0:41:44.239 --> 0:41:47.520
<v Speaker 1>investment plan. So what I liked about the Lvest investment

0:41:47.600 --> 0:41:50.240
<v Speaker 1>plan was that you went on you said your age,

0:41:50.320 --> 0:41:53.919
<v Speaker 1>and there was like five different future financial goals choose

0:41:53.960 --> 0:41:55.520
<v Speaker 1>from like I want to get a house, or I

0:41:55.600 --> 0:41:58.040
<v Speaker 1>want to I want to grow wealth, or I want

0:41:58.040 --> 0:42:00.239
<v Speaker 1>to retire or whatever. You choose your goals and then

0:42:00.239 --> 0:42:02.839
<v Speaker 1>you put your goals in order of importance and then

0:42:02.880 --> 0:42:04.920
<v Speaker 1>you put down how much money do you want to

0:42:05.000 --> 0:42:08.400
<v Speaker 1>have one and then so Elves creates like this just

0:42:08.600 --> 0:42:11.560
<v Speaker 1>like personalized plan that kind of says, okay, Mandy at

0:42:11.600 --> 0:42:14.560
<v Speaker 1>the age R Now if you save for twenty years

0:42:14.600 --> 0:42:17.480
<v Speaker 1>and put it in an IRA account or you put

0:42:17.480 --> 0:42:19.799
<v Speaker 1>it in this kind of account and the average rate

0:42:20.000 --> 0:42:22.160
<v Speaker 1>of return on that account is this, this is what

0:42:22.280 --> 0:42:24.279
<v Speaker 1>you're gonna have. This is how close you can get

0:42:24.320 --> 0:42:27.400
<v Speaker 1>to your to your goal. I just thought it was

0:42:27.440 --> 0:42:29.760
<v Speaker 1>really great to kind of see like these numbers compute.

0:42:30.040 --> 0:42:32.279
<v Speaker 1>But in a way that was because I've done a

0:42:32.320 --> 0:42:33.880
<v Speaker 1>lot of those kind of like almost all of them

0:42:33.920 --> 0:42:36.359
<v Speaker 1>have something similar like that. But I'm not gonna lie.

0:42:36.400 --> 0:42:37.800
<v Speaker 1>Sometimes I'm looking at it, I'm like, I don't know

0:42:37.840 --> 0:42:39.680
<v Speaker 1>what this means, you know, like what is this? What

0:42:39.760 --> 0:42:42.720
<v Speaker 1>do these numbers mean? But it was really clearly define

0:42:42.760 --> 0:42:45.759
<v Speaker 1>and it's completely free. You know. Of course it's always

0:42:45.760 --> 0:42:47.680
<v Speaker 1>an upset which you don't have to because I have

0:42:47.800 --> 0:42:50.479
<v Speaker 1>a financial advisor. So you can take your investment plan

0:42:50.960 --> 0:42:53.239
<v Speaker 1>and sit with your financial advisor if you have one,

0:42:53.840 --> 0:42:55.719
<v Speaker 1>or take your investment plan if you decide you want

0:42:55.760 --> 0:42:57.080
<v Speaker 1>to invest on your own, but at least you have

0:42:57.200 --> 0:42:59.600
<v Speaker 1>some sort of blueprint. So it's like I said, it's free,

0:42:59.680 --> 0:43:01.040
<v Speaker 1>and I don't know how long it'll be free, but

0:43:01.200 --> 0:43:03.560
<v Speaker 1>well I think I'm pretty sure'll be free for a

0:43:03.640 --> 0:43:04.000
<v Speaker 1>long time.

0:43:04.080 --> 0:43:08.040
<v Speaker 2>Ago specifically, what's free is the investment plan, right, because

0:43:08.080 --> 0:43:11.520
<v Speaker 2>they do charge fees for their So that's what.

0:43:11.560 --> 0:43:13.920
<v Speaker 1>I mean that just get yourself the investment planned. You don't,

0:43:14.280 --> 0:43:18.720
<v Speaker 1>You're no under no obligation obviously to sign up for elvest,

0:43:18.800 --> 0:43:20.719
<v Speaker 1>but get it, cause I, like I said, I have

0:43:20.920 --> 0:43:23.200
<v Speaker 1>a financial visor already, so I'm not. I mean, I'm

0:43:23.200 --> 0:43:25.520
<v Speaker 1>sure oves was great, but I already paid my financial visor,

0:43:25.560 --> 0:43:28.040
<v Speaker 1>so he's gonna earn his keep. But I printed out

0:43:28.080 --> 0:43:29.719
<v Speaker 1>my plan, so the next time I meet with Frank,

0:43:29.760 --> 0:43:33.879
<v Speaker 1>I'm like, let's talk about this, you know. So it's

0:43:33.920 --> 0:43:37.000
<v Speaker 1>a great like kind of like opener tool to say, hey,

0:43:38.120 --> 0:43:39.920
<v Speaker 1>these are my goals. Now I can see them in

0:43:40.120 --> 0:43:43.400
<v Speaker 1>like this financial way that I understand. Let me you know,

0:43:43.480 --> 0:43:45.360
<v Speaker 1>it's just a great jumping off point no matter what

0:43:45.440 --> 0:43:46.239
<v Speaker 1>you decide to do with.

0:43:46.280 --> 0:43:48.759
<v Speaker 2>It and all of us. It's actually been around for

0:43:48.800 --> 0:43:50.960
<v Speaker 2>a few years, but it's just now like really catching on.

0:43:51.040 --> 0:43:53.640
<v Speaker 2>They've been doing a lot of marketing. But it's it's

0:43:53.680 --> 0:43:57.800
<v Speaker 2>targeted toward women, l get it. Lelevest, Yeah, it's targeted

0:43:57.840 --> 0:44:02.879
<v Speaker 2>toward women. Founded by Sally Crawcheck, who's a long time

0:44:02.920 --> 0:44:06.080
<v Speaker 2>executive in the banking industry. So and I would put

0:44:06.080 --> 0:44:12.320
<v Speaker 2>it in the category of a betterment wealth front Elevest

0:44:12.520 --> 0:44:16.440
<v Speaker 2>because they have these sort of prepackaged sort of investment

0:44:16.520 --> 0:44:20.400
<v Speaker 2>portfolios and do you do get sort of like a

0:44:20.719 --> 0:44:23.959
<v Speaker 2>semi tailored investment portfolio, but they're not like actively moving

0:44:24.080 --> 0:44:26.120
<v Speaker 2>like they're not actively managing it like you get it

0:44:26.239 --> 0:44:30.640
<v Speaker 2>like you know, really an expensive investment firm and they

0:44:31.200 --> 0:44:34.120
<v Speaker 2>but because of that, they can charge lower fees than

0:44:34.160 --> 0:44:36.920
<v Speaker 2>what you may get from like traditional investment firms. But

0:44:37.000 --> 0:44:40.399
<v Speaker 2>it's in that category of like betterment wealth front yep,

0:44:40.680 --> 0:44:41.799
<v Speaker 2>I'm blinking on some others.

0:44:42.160 --> 0:44:44.120
<v Speaker 1>Acorns, right, is acorn worn well.

0:44:44.280 --> 0:44:48.759
<v Speaker 2>Acorns is a little bit different because that's collecting savings

0:44:48.880 --> 0:44:52.560
<v Speaker 2>that like as in acorns where they're tracking your spending

0:44:52.640 --> 0:44:55.600
<v Speaker 2>and you can set aside the change that they find

0:44:55.680 --> 0:44:57.279
<v Speaker 2>in your bank account and invest it.

0:44:58.360 --> 0:45:00.360
<v Speaker 1>Yeah, you're right. Yeah, it's more so you're right. Acorns

0:45:00.480 --> 0:45:03.399
<v Speaker 1>is more like a like a roundup and so maybe

0:45:03.440 --> 0:45:05.440
<v Speaker 1>like a wise banion. That's another one that's kind of

0:45:05.520 --> 0:45:09.920
<v Speaker 1>like does that kind of like advising robo advising where

0:45:09.960 --> 0:45:14.120
<v Speaker 1>they advise you but not it it's it's it's not

0:45:14.200 --> 0:45:15.880
<v Speaker 1>as in depth as you sat in front of somebody,

0:45:16.000 --> 0:45:18.560
<v Speaker 1>but not as hands off as you did it by yourself.

0:45:19.120 --> 0:45:21.360
<v Speaker 2>Yeah, Acorns is a good for beginners, like if you

0:45:21.600 --> 0:45:23.320
<v Speaker 2>if you don't have a lot of money. You don't have, like,

0:45:23.800 --> 0:45:27.320
<v Speaker 2>you know, enough money to to qualify for minimum balances

0:45:27.400 --> 0:45:29.200
<v Speaker 2>for like a brokerage account. So you want to start

0:45:29.239 --> 0:45:31.680
<v Speaker 2>with acorns, just get your toes wet. That's cool, like

0:45:31.719 --> 0:45:33.960
<v Speaker 2>an lavest a betterment. That's if you have a little

0:45:34.000 --> 0:45:37.080
<v Speaker 2>bit of money outside of your four one K and

0:45:37.280 --> 0:45:40.239
<v Speaker 2>you want you want sort of like a semi hands

0:45:40.239 --> 0:45:42.919
<v Speaker 2>off approach to investing, and that's where like a robo

0:45:42.920 --> 0:45:48.040
<v Speaker 2>advisor can be helpful. Yeah, I have. I've looked into, Like, oh,

0:45:48.160 --> 0:45:51.879
<v Speaker 2>personal Capital is another one. Personal Capital is pretty good.

0:45:52.080 --> 0:45:54.239
<v Speaker 2>You It's it's sort of it's like it's like a

0:45:54.360 --> 0:45:58.640
<v Speaker 2>mint coupled with an advicement, an investment advisory firm, like

0:45:58.680 --> 0:46:02.239
<v Speaker 2>a digital investment advisory. So I think you have to

0:46:02.320 --> 0:46:04.799
<v Speaker 2>have a certain amount of assets. But it's I love

0:46:04.880 --> 0:46:06.719
<v Speaker 2>it because I love their interface so much, and it's

0:46:06.800 --> 0:46:08.760
<v Speaker 2>it's where I get my networth at. I love Personal

0:46:08.840 --> 0:46:11.840
<v Speaker 2>Capital's like whole interface. Okay, And if you want to

0:46:11.960 --> 0:46:14.879
<v Speaker 2>like go the next step up, you can get one

0:46:14.920 --> 0:46:17.960
<v Speaker 2>on one coaching from their advisors. I don't actually know

0:46:18.040 --> 0:46:20.680
<v Speaker 2>what their fees are, but it's something to look into too.

0:46:20.800 --> 0:46:21.600
<v Speaker 2>Personal Capital.

0:46:22.080 --> 0:46:23.880
<v Speaker 1>Okay, Oh, I've heard about them too. I've heard good

0:46:23.920 --> 0:46:27.319
<v Speaker 1>things about them. I mean somebody just hit I think

0:46:27.360 --> 0:46:28.920
<v Speaker 1>I feel like somebody hit me on social media. It

0:46:29.000 --> 0:46:31.520
<v Speaker 1>was like Tiffany, I like Personal Capital have do you heard?

0:46:31.560 --> 0:46:34.000
<v Speaker 1>Have you heard of them? These kind of like new

0:46:34.200 --> 0:46:37.480
<v Speaker 1>These companies are new Wish, Like it's a movement that's

0:46:37.520 --> 0:46:40.560
<v Speaker 1>been growing, but it's new Wish. So it's really to

0:46:40.719 --> 0:46:45.880
<v Speaker 1>answer the question for folks who want to invest but

0:46:46.719 --> 0:46:48.759
<v Speaker 1>don't traditionally want to kind of sit in front of

0:46:48.800 --> 0:46:52.120
<v Speaker 1>a person. They're like, what financial advisor, but also are

0:46:52.200 --> 0:46:53.560
<v Speaker 1>like I don't know what to do. So it's just

0:46:53.719 --> 0:46:56.640
<v Speaker 1>like it's a great way to do it yourself, but

0:46:56.760 --> 0:47:00.000
<v Speaker 1>not oveway by yourself. It's almost like going to college.

0:47:00.040 --> 0:47:01.279
<v Speaker 1>So you're like, I'm an adult, but you live in

0:47:01.320 --> 0:47:03.319
<v Speaker 1>the dorm and there's like a dor mom, and you're like, okay,

0:47:03.360 --> 0:47:06.759
<v Speaker 1>you're you live by you, you're independent with help, you know.

0:47:08.000 --> 0:47:10.360
<v Speaker 2>I think it's really exciting to look. It's also like

0:47:10.560 --> 0:47:13.239
<v Speaker 2>if it you know, if it's I think it's really

0:47:13.280 --> 0:47:15.680
<v Speaker 2>smart that you're doing net worths four years and because

0:47:15.719 --> 0:47:17.919
<v Speaker 2>it's almost like, okay, we've worked on the budget, worked

0:47:17.920 --> 0:47:19.920
<v Speaker 2>on credit debt, you should have a bit of a

0:47:20.000 --> 0:47:21.880
<v Speaker 2>net worth now, so now how do you maximize it?

0:47:21.960 --> 0:47:24.000
<v Speaker 2>And that's for these tools, and that's where looking at

0:47:24.000 --> 0:47:27.160
<v Speaker 2>an investment strategy. This is the exciting part where you're like, Okay,

0:47:27.360 --> 0:47:31.040
<v Speaker 2>I'm in a pretty solid place, yeah, and I'm ready

0:47:31.080 --> 0:47:32.040
<v Speaker 2>to make my money work for me.

0:47:33.160 --> 0:47:34.799
<v Speaker 1>And that's why we've done it like this, like I've

0:47:34.800 --> 0:47:37.560
<v Speaker 1>been really because what I what I also try to

0:47:37.600 --> 0:47:39.279
<v Speaker 1>make sure that we do is we really try to

0:47:39.360 --> 0:47:43.320
<v Speaker 1>listen to the DreamCatcher. So that's the community that allows

0:47:43.400 --> 0:47:46.560
<v Speaker 1>me to help them move forward financially. And so we

0:47:46.719 --> 0:47:49.239
<v Speaker 1>always are doing surveys and also too, we have our

0:47:49.239 --> 0:47:51.400
<v Speaker 1>Facebook group, so I'm always like kind of taking a

0:47:51.480 --> 0:47:53.839
<v Speaker 1>temperature in the group of like what are people talking about.

0:47:53.920 --> 0:47:56.359
<v Speaker 1>In the beginning, the first the ritual challenge was all

0:47:56.360 --> 0:47:59.480
<v Speaker 1>about the fundamentals because people were literally like I'm just

0:47:59.520 --> 0:48:02.000
<v Speaker 1>trying to say five dollars a month. So I was like, okay,

0:48:02.080 --> 0:48:04.560
<v Speaker 1>how do we get you to the fundamentals of basic budgeting,

0:48:04.680 --> 0:48:07.279
<v Speaker 1>basic money mindset? And then it was like everybody want

0:48:07.320 --> 0:48:09.440
<v Speaker 1>to save more and I'm like okay, And then it

0:48:09.560 --> 0:48:11.439
<v Speaker 1>was like okay, girl, I'll have some savings. My credit

0:48:11.560 --> 0:48:14.080
<v Speaker 1>is crazy. Then it's like Okay, So it's I'm really

0:48:14.160 --> 0:48:16.960
<v Speaker 1>wanting to push us forward, and so I don't know

0:48:17.080 --> 0:48:18.799
<v Speaker 1>what next year is going to be. Like I said,

0:48:18.800 --> 0:48:21.719
<v Speaker 1>I take a temperature, I ask questions, I look at

0:48:21.760 --> 0:48:24.960
<v Speaker 1>the survey and then it but it'll it'll build upon networth.

0:48:25.000 --> 0:48:28.239
<v Speaker 1>It might be the Investment Challenge, it might be the

0:48:29.160 --> 0:48:32.600
<v Speaker 1>small business edition of you know So, but just whatever

0:48:32.680 --> 0:48:35.560
<v Speaker 1>the next level kind of looks like. And then and

0:48:35.600 --> 0:48:37.560
<v Speaker 1>then I think that'll be it, quite honestly, and this

0:48:37.680 --> 0:48:40.000
<v Speaker 1>is my first time saying it publicly, but I think

0:48:40.120 --> 0:48:44.520
<v Speaker 1>after that that we'll just loop the challenges back around again,

0:48:44.600 --> 0:48:47.760
<v Speaker 1>that it'll it'll round at at five solid free challenges

0:48:48.239 --> 0:48:50.360
<v Speaker 1>and then you know, we'll go back and start with

0:48:50.400 --> 0:48:52.480
<v Speaker 1>the fundamentals again for those who want to do that again,

0:48:52.560 --> 0:48:55.680
<v Speaker 1>and just like reloop every five years with the challenges.

0:48:55.760 --> 0:48:58.680
<v Speaker 1>And honestly, I'm really proud of them because so many

0:48:58.800 --> 0:49:02.520
<v Speaker 1>people have been able to help themselves. Like I always say,

0:49:02.520 --> 0:49:04.360
<v Speaker 1>I don't want to be your financial guru. I think, like,

0:49:05.000 --> 0:49:07.200
<v Speaker 1>first of all, I don't I know like five things,

0:49:07.280 --> 0:49:10.400
<v Speaker 1>and I'm like, girl, I don't know, but what I

0:49:10.480 --> 0:49:12.200
<v Speaker 1>do know is how to teach, and so if I

0:49:12.520 --> 0:49:15.040
<v Speaker 1>figure it out after messing up, or I can phone

0:49:15.040 --> 0:49:17.239
<v Speaker 1>a friend. I know how to put it in a

0:49:17.320 --> 0:49:19.239
<v Speaker 1>way that you can now help yourself. I want to

0:49:19.280 --> 0:49:21.759
<v Speaker 1>be your financial girlfriend where I'm like, I'm not here

0:49:21.800 --> 0:49:25.319
<v Speaker 1>to tell you like everything, and you're supposed to come

0:49:25.360 --> 0:49:27.239
<v Speaker 1>back to the well and keep dipping into the well. No,

0:49:27.760 --> 0:49:31.320
<v Speaker 1>I'm here to create a resource that can teach you

0:49:31.840 --> 0:49:35.440
<v Speaker 1>that has been well researched, not just from my own knowledge,

0:49:35.719 --> 0:49:38.560
<v Speaker 1>that I've partnered with really dope people to make sure

0:49:38.600 --> 0:49:42.760
<v Speaker 1>that the information is correct and accurate, and that teaches

0:49:42.840 --> 0:49:44.759
<v Speaker 1>you in a way that honors where you currently are

0:49:45.200 --> 0:49:46.840
<v Speaker 1>and teaches you in a way that you're able to

0:49:46.920 --> 0:49:50.160
<v Speaker 1>reteach the people in your network. Because a guru has

0:49:50.239 --> 0:49:52.560
<v Speaker 1>to talk to everyone. A girlfriend just talks to you,

0:49:52.800 --> 0:49:54.880
<v Speaker 1>and then you're the girlfriend to your girlfriends. And so

0:49:55.000 --> 0:49:56.920
<v Speaker 1>that's what i want. I want to teach you and

0:49:56.960 --> 0:49:59.040
<v Speaker 1>for you to take that information and to share with

0:49:59.160 --> 0:50:02.680
<v Speaker 1>other people. And that's how movements really move forward. Because

0:50:02.680 --> 0:50:04.800
<v Speaker 1>one day I'm gonna have twins and I'm gonna be

0:50:04.840 --> 0:50:09.360
<v Speaker 1>too busy for all of this. Wait what, I don't know.

0:50:09.480 --> 0:50:11.560
<v Speaker 1>That's what Superman said. He's like, you know, we haven't twins, right,

0:50:11.600 --> 0:50:15.759
<v Speaker 1>I'm like, please stop wishing twins upon my unius. It's

0:50:15.840 --> 0:50:18.040
<v Speaker 1>like and my mom today said it. She was like,

0:50:18.120 --> 0:50:20.719
<v Speaker 1>I was just thinking about you. I think you guys

0:50:20.760 --> 0:50:23.040
<v Speaker 1>should go for twins. I'm like, why is everybody telling

0:50:23.080 --> 0:50:26.080
<v Speaker 1>us because he's just going for well, because well, because

0:50:26.280 --> 0:50:28.080
<v Speaker 1>so my surgery is gonna be in like two weeks.

0:50:28.280 --> 0:50:29.840
<v Speaker 1>So we haven't talked about how we're gonna be our taping,

0:50:29.920 --> 0:50:33.520
<v Speaker 1>but so and so my fibride surgery, and then three

0:50:33.560 --> 0:50:36.720
<v Speaker 1>months after that we can try to have a baby.

0:50:36.840 --> 0:50:40.200
<v Speaker 1>But I think honestly that instead of like waiting for

0:50:40.360 --> 0:50:42.200
<v Speaker 1>just the natural route, I think I'm actually gonna go

0:50:42.320 --> 0:50:45.520
<v Speaker 1>for in vitro because I'm thirty eight. So I just

0:50:45.640 --> 0:50:48.239
<v Speaker 1>kind of feel like, girl, maybe pro thirty i'd be like, well,

0:50:48.320 --> 0:50:50.200
<v Speaker 1>let's try for a year naturally. But I feel like,

0:50:51.120 --> 0:50:53.399
<v Speaker 1>you know, at thirty eight, I'm kind of like, let's

0:50:53.440 --> 0:50:55.360
<v Speaker 1>stack the odds in our favor. Plus he's got that

0:50:55.480 --> 0:50:57.839
<v Speaker 1>good insurance so that they paid for everything, they paid,

0:50:57.840 --> 0:51:01.880
<v Speaker 1>they would pay for everything, and you know, yeah, one

0:51:01.920 --> 0:51:04.640
<v Speaker 1>of his coworkers actually had twins. She chose to have

0:51:04.760 --> 0:51:07.799
<v Speaker 1>two fertilized eggs and planted, and he was like, well,

0:51:07.880 --> 0:51:09.680
<v Speaker 1>you know what that means. I'm like, I don't actually

0:51:09.760 --> 0:51:13.920
<v Speaker 1>know what that means, but I'm becoming more and more

0:51:13.960 --> 0:51:16.880
<v Speaker 1>open to the thought of twins because although I know

0:51:16.960 --> 0:51:18.960
<v Speaker 1>it would be a lot, especially for the first time

0:51:19.040 --> 0:51:22.759
<v Speaker 1>out that I don't know that I just don't know

0:51:22.840 --> 0:51:25.840
<v Speaker 1>at thirty eight, if I'm gonna be able to do

0:51:26.000 --> 0:51:27.400
<v Speaker 1>it twice, you know what I mean. Like, there's like,

0:51:27.680 --> 0:51:30.080
<v Speaker 1>if I get pregnant this one time, this might be it,

0:51:30.200 --> 0:51:32.440
<v Speaker 1>you know what I mean. So, and I kind of

0:51:32.480 --> 0:51:34.080
<v Speaker 1>don't want to just have one kid. I mean, more

0:51:34.080 --> 0:51:35.200
<v Speaker 1>and more that I think about. I mean, we have

0:51:35.280 --> 0:51:39.000
<v Speaker 1>bonus daughter, which I love, and she's eleven, so I

0:51:39.160 --> 0:51:41.600
<v Speaker 1>really I mean, I grew up with sisters close to

0:51:41.680 --> 0:51:43.080
<v Speaker 1>my age, and I know what it is to have

0:51:43.160 --> 0:51:45.480
<v Speaker 1>someone close to your age to play with and hang

0:51:45.560 --> 0:51:47.680
<v Speaker 1>out with, and that should beff and I kind of

0:51:47.719 --> 0:51:53.279
<v Speaker 1>want that for my kid, And so I'm thinking about twins. Girl,

0:51:53.680 --> 0:51:59.040
<v Speaker 1>we shall see a budgeted the babies, Oh, Chad, I'm

0:51:59.040 --> 0:52:01.000
<v Speaker 1>gonna make those. The time those kids are five, they

0:52:01.040 --> 0:52:05.000
<v Speaker 1>will have paid for their their college tuition with I'm like,

0:52:05.440 --> 0:52:07.200
<v Speaker 1>I need we're gonna be doing a blog post. Guy,

0:52:07.239 --> 0:52:08.960
<v Speaker 1>Are you guys ready? Are the babies ready, let's go.

0:52:10.520 --> 0:52:13.320
<v Speaker 2>I'm just excited for all the amazing financial conversations we

0:52:13.400 --> 0:52:18.760
<v Speaker 2>can have about in vitro fertilization and exciting. Yes, please

0:52:19.280 --> 0:52:22.359
<v Speaker 2>continue being continue experiencing these things.

0:52:22.760 --> 0:52:25.719
<v Speaker 1>It's nerve wracking because everybody who's had in vitro wants

0:52:25.760 --> 0:52:27.080
<v Speaker 1>to tell me how much it hurts. I'm like, girl,

0:52:27.239 --> 0:52:29.480
<v Speaker 1>I don't want to hear all that, just like having.

0:52:29.280 --> 0:52:31.440
<v Speaker 2>You know, like you gotta like pump yourself for home

0:52:31.480 --> 0:52:33.360
<v Speaker 2>owns before they even inject you, Like.

0:52:33.520 --> 0:52:37.360
<v Speaker 1>Yeah, you know exactly, And so I mean, I'm just

0:52:37.440 --> 0:52:40.680
<v Speaker 1>trying to get through the fibroids. So you know, it's

0:52:40.680 --> 0:52:42.800
<v Speaker 1>because it's nervous because I actually just last night on

0:52:42.880 --> 0:52:45.600
<v Speaker 1>the news they had like this like breakthrough where they

0:52:45.680 --> 0:52:48.080
<v Speaker 1>have this fibroid pill now, but it's not fully vetted.

0:52:48.320 --> 0:52:49.960
<v Speaker 1>So my mom was telling me about it and I

0:52:50.120 --> 0:52:51.719
<v Speaker 1>was like, well, Wammy, I don't know how far off

0:52:51.760 --> 0:52:53.799
<v Speaker 1>that is, like my surgeries in two weeks. I don't

0:52:53.840 --> 0:52:55.319
<v Speaker 1>want to push it off. And then it's like, well,

0:52:55.400 --> 0:52:56.879
<v Speaker 1>do you get the surgery where they cut you open

0:52:56.960 --> 0:52:59.680
<v Speaker 1>like a c section, or you did get the lapiscopic

0:52:59.719 --> 0:53:02.440
<v Speaker 1>I think where they kind of like laser it out,

0:53:02.480 --> 0:53:05.520
<v Speaker 1>and so just there's so many choices and so many

0:53:05.680 --> 0:53:08.960
<v Speaker 1>risks depending what you choose, and then if you choose

0:53:09.000 --> 0:53:10.759
<v Speaker 1>the surgery, there might be scar tissue, you can never

0:53:10.840 --> 0:53:13.600
<v Speaker 1>get pregnant. There's just honestly, everybody.

0:53:15.040 --> 0:53:17.919
<v Speaker 2>One of my friends has just gone through this whole

0:53:18.000 --> 0:53:21.560
<v Speaker 2>fibroid situation this last year over the summer, she'd had

0:53:21.600 --> 0:53:24.759
<v Speaker 2>the surgery and she is fine. Now okay, so don't

0:53:24.840 --> 0:53:26.840
<v Speaker 2>I mean, if that can give you any sort of piece,

0:53:27.120 --> 0:53:28.920
<v Speaker 2>She's okay, she's good, she's healthy.

0:53:29.360 --> 0:53:31.640
<v Speaker 1>Because I know everybody has so many things and I'm like, ah,

0:53:31.760 --> 0:53:33.400
<v Speaker 1>but I'm like, you know what, it's scheduled because if

0:53:33.440 --> 0:53:35.640
<v Speaker 1>I if I try to push it back to do

0:53:35.840 --> 0:53:39.440
<v Speaker 1>more research, then I'm just not going to do it.

0:53:39.520 --> 0:53:42.160
<v Speaker 1>And I'm like it has to happen because these five words.

0:53:42.840 --> 0:53:44.560
<v Speaker 1>And it's so crazy. When I talk to people about

0:53:44.600 --> 0:53:47.600
<v Speaker 1>five boards, I would say one out of every three

0:53:47.800 --> 0:53:50.360
<v Speaker 1>women of color that I say, did I tell that

0:53:50.440 --> 0:53:51.920
<v Speaker 1>I have five boys, They're like, oh, yeah, me too.

0:53:52.000 --> 0:53:54.160
<v Speaker 1>So either they've already had their kids or they haven't.

0:53:54.200 --> 0:53:56.919
<v Speaker 1>They're trying to figure out what to do next. Reason

0:53:56.960 --> 0:53:59.319
<v Speaker 1>why I talk about it because I want to normalize

0:53:59.360 --> 0:54:02.040
<v Speaker 1>the fact that this is something that specifically our Brown

0:54:02.040 --> 0:54:05.880
<v Speaker 1>ambition community experiences at a higher rate than other communities,

0:54:05.960 --> 0:54:07.920
<v Speaker 1>and it's something that we should talk about that it

0:54:07.960 --> 0:54:11.239
<v Speaker 1>shouldn't be some hidden secret, you know, And what do

0:54:11.360 --> 0:54:13.319
<v Speaker 1>you do? A lot of women are like, well, girl,

0:54:13.360 --> 0:54:15.440
<v Speaker 1>I had my baby, so I'm good, you know, or

0:54:15.840 --> 0:54:17.920
<v Speaker 1>like you know, a lot of women I know have

0:54:18.080 --> 0:54:21.160
<v Speaker 1>used exercise and diet. So I mean, I've definitely lost

0:54:21.200 --> 0:54:24.520
<v Speaker 1>weight and I've changed my diet. But I just don't

0:54:24.560 --> 0:54:26.440
<v Speaker 1>have the time to kind of wait. Like if, like

0:54:26.480 --> 0:54:28.279
<v Speaker 1>I said, if I was a little bit younger, maybe

0:54:28.320 --> 0:54:29.759
<v Speaker 1>I'd be like, you know what, I'm going to rock

0:54:29.800 --> 0:54:32.400
<v Speaker 1>out this year, strict diet and exercise, shrink them naturally,

0:54:32.719 --> 0:54:35.120
<v Speaker 1>and then go for the baby. But at this point,

0:54:35.160 --> 0:54:37.200
<v Speaker 1>I'm just like take them out because I want to

0:54:37.200 --> 0:54:40.879
<v Speaker 1>get this party started right.

0:54:44.800 --> 0:54:49.160
<v Speaker 2>You know what I found out you can purchase pregnancy

0:54:49.239 --> 0:54:52.239
<v Speaker 2>tests and condoms with your FSA money.

0:54:53.120 --> 0:54:55.840
<v Speaker 1>Really that's excellent, yes, because.

0:54:55.600 --> 0:54:58.160
<v Speaker 2>I may or may not have on December thirty, it's

0:54:58.160 --> 0:55:00.479
<v Speaker 2>been trying to blow through all my FSA money because

0:55:00.480 --> 0:55:03.520
<v Speaker 2>I put way too much in there. Whoopsie. And you

0:55:04.120 --> 0:55:06.320
<v Speaker 2>you know, your flex savings account or sorry is a

0:55:06.360 --> 0:55:08.719
<v Speaker 2>flex spending account, So you can put up to like

0:55:08.800 --> 0:55:10.719
<v Speaker 2>twenty six hundred dollars in their year, And I thought

0:55:10.880 --> 0:55:12.359
<v Speaker 2>I had a bunch of dental work, but I still

0:55:12.440 --> 0:55:14.680
<v Speaker 2>ended up with like six hundred bucks left over. Whoops.

0:55:15.040 --> 0:55:18.120
<v Speaker 2>And you either use it or you lose it. So yeah,

0:55:18.520 --> 0:55:19.880
<v Speaker 2>I found out though you can go to you can

0:55:19.960 --> 0:55:21.960
<v Speaker 2>go to like drugstore dot website. So I went to

0:55:22.040 --> 0:55:24.600
<v Speaker 2>drugstore dot com. Well what I what I happened was

0:55:24.640 --> 0:55:27.360
<v Speaker 2>I went to Walgreens dot or right, yeah, drugstore dot com,

0:55:27.440 --> 0:55:29.760
<v Speaker 2>which is like owned by Walgreens now, and they actually

0:55:29.840 --> 0:55:32.120
<v Speaker 2>have an FSA shop in there. So everything in that

0:55:32.280 --> 0:55:34.880
<v Speaker 2>little category on the site you can pay for with

0:55:35.040 --> 0:55:37.600
<v Speaker 2>your benefits card. So you know, I may or may

0:55:37.640 --> 0:55:40.719
<v Speaker 2>not have gotten a bunch of unneeded pregnancy tests, like

0:55:40.800 --> 0:55:44.960
<v Speaker 2>did those expire? I don't even yeah, like six.

0:55:45.520 --> 0:55:47.920
<v Speaker 1>You're like, yeah, I'll take all of them, all the tests,

0:55:47.960 --> 0:55:48.400
<v Speaker 1>please take.

0:55:48.400 --> 0:55:51.319
<v Speaker 2>You just want a little reassurance, you know, like those

0:55:51.320 --> 0:55:55.000
<v Speaker 2>things aren't cheap. So you know, for me, it's like,

0:55:55.040 --> 0:55:57.879
<v Speaker 2>oh am I not pregnant? Who but yeah, a bunch

0:55:57.960 --> 0:55:59.920
<v Speaker 2>of those I mean, but like sun block, I got

0:56:00.160 --> 0:56:01.719
<v Speaker 2>like a ship ton of the nice band aids that

0:56:01.800 --> 0:56:08.560
<v Speaker 2>I like. Firstly, it's ridiculous sunscreen. I'm all ready to go. Yeah,

0:56:08.680 --> 0:56:10.640
<v Speaker 2>I'm ready, and I will not be maxing out my

0:56:10.880 --> 0:56:12.880
<v Speaker 2>my FSA this year because that was stupid.

0:56:14.000 --> 0:56:15.439
<v Speaker 1>Well, when you know better, you do better.

0:56:15.600 --> 0:56:17.400
<v Speaker 2>And now you know better, plan.

0:56:26.680 --> 0:56:34.040
<v Speaker 1>It's time for week Wednesday, since you know our podcast

0:56:34.160 --> 0:56:38.680
<v Speaker 1>goes lap on Wednesday. So are you gonna win? Well,

0:56:38.719 --> 0:56:39.439
<v Speaker 1>we are a winner.

0:56:39.520 --> 0:56:40.440
<v Speaker 2>There's only one choice.

0:56:40.880 --> 0:56:44.400
<v Speaker 1>Yeah, that's true. I forget. This is not like but

0:56:44.560 --> 0:56:47.480
<v Speaker 1>a long day, but a long good day. So what

0:56:47.640 --> 0:56:48.879
<v Speaker 1>is your win for this week?

0:56:49.239 --> 0:56:52.160
<v Speaker 2>I have to do a win for I mean, this

0:56:52.360 --> 0:56:57.200
<v Speaker 2>is this is this is what win for workplace challenges,

0:56:57.400 --> 0:57:01.000
<v Speaker 2>So a win for and I hope nobody who works

0:57:01.080 --> 0:57:03.359
<v Speaker 2>for me is listening to this podcast episode. But it's

0:57:03.400 --> 0:57:06.440
<v Speaker 2>my first time going through performance reviews as a manager,

0:57:07.200 --> 0:57:10.840
<v Speaker 2>which means actually having to have those conversations with my employees.

0:57:11.320 --> 0:57:14.640
<v Speaker 2>And I just wanted to do a anticipatory win that

0:57:14.719 --> 0:57:16.520
<v Speaker 2>I'll do a really good job and I won't mess

0:57:16.560 --> 0:57:19.280
<v Speaker 2>it up because I'm a little bit nervous of it.

0:57:19.400 --> 0:57:21.360
<v Speaker 2>I know that's not really a win, but I just

0:57:21.480 --> 0:57:23.640
<v Speaker 2>want it. I just need some encouraging, encouraging.

0:57:23.760 --> 0:57:26.240
<v Speaker 1>Now you're gonna You're gonna win you're gonna rock out,

0:57:26.280 --> 0:57:28.400
<v Speaker 1>You're gonna do well. They're gonna be like, oh my gosh, Mandy,

0:57:28.440 --> 0:57:29.120
<v Speaker 1>it's amazing.

0:57:30.480 --> 0:57:33.040
<v Speaker 2>And I'm also stealing some you know. I talked a

0:57:33.080 --> 0:57:36.000
<v Speaker 2>lot about like things I've learned just going through resumes

0:57:36.040 --> 0:57:38.360
<v Speaker 2>for open positions, like mistakes people have made and things

0:57:38.360 --> 0:57:40.120
<v Speaker 2>that I look out for, and I'm i'll be, I'll

0:57:40.160 --> 0:57:42.400
<v Speaker 2>be I'll be collecting some tips on on how to

0:57:42.480 --> 0:57:45.480
<v Speaker 2>rock your performance review because I think for a lot

0:57:45.520 --> 0:57:47.120
<v Speaker 2>of people, this is like the one time of year

0:57:47.160 --> 0:57:49.920
<v Speaker 2>when they have an opportunity to remind their boss all

0:57:49.960 --> 0:57:52.320
<v Speaker 2>the amazing things they did. And I've already had one

0:57:52.480 --> 0:57:54.760
<v Speaker 2>case where someone reminded me of something that she had

0:57:54.800 --> 0:57:56.200
<v Speaker 2>done earlier this year and I was like, oh, I

0:57:56.280 --> 0:57:59.560
<v Speaker 2>forgot about that. You're right, that was dope. Yeah, So

0:58:00.040 --> 0:58:03.800
<v Speaker 2>a win in advance for this whole process and hopefully

0:58:04.000 --> 0:58:06.800
<v Speaker 2>making the right sort of decisions.

0:58:08.400 --> 0:58:12.160
<v Speaker 1>Well, my win is kind of collective. So a friend

0:58:12.200 --> 0:58:15.440
<v Speaker 1>of mine, her name is angeloviin McKnight. She's also an

0:58:15.480 --> 0:58:18.880
<v Speaker 1>assembly woman. So you guys may have mentioned I remembered

0:58:19.000 --> 0:58:20.720
<v Speaker 1>that I mentioned this like probably a year or so

0:58:20.800 --> 0:58:25.560
<v Speaker 1>ago that so she's fairly new. Well, I don't know,

0:58:25.640 --> 0:58:27.560
<v Speaker 1>maybe like a year or so in into her Assembly

0:58:27.640 --> 0:58:30.000
<v Speaker 1>women this and she reached out to me and was like,

0:58:30.200 --> 0:58:33.000
<v Speaker 1>I want to do something as it relates to education.

0:58:33.040 --> 0:58:36.200
<v Speaker 1>I want to get something passed. And I said, okay, Well,

0:58:36.480 --> 0:58:39.160
<v Speaker 1>in the state of New Jersey, there's a law where

0:58:39.240 --> 0:58:41.320
<v Speaker 1>they have to teach some level of financial education in

0:58:41.440 --> 0:58:44.800
<v Speaker 1>high school. But honestly, I taught preschool for ten years

0:58:44.840 --> 0:58:46.800
<v Speaker 1>in New Jersey and it needs to start as low

0:58:46.840 --> 0:58:51.280
<v Speaker 1>as kindergarten because by age truthfully, by age three, kids

0:58:51.320 --> 0:58:53.320
<v Speaker 1>start saying can you buy me? Not can you can?

0:58:53.400 --> 0:58:55.360
<v Speaker 1>You can? I have? And she was like really, And

0:58:55.480 --> 0:58:56.880
<v Speaker 1>I was like, but there's no law for that. I mean,

0:58:57.000 --> 0:58:59.040
<v Speaker 1>like teachers might teach a little bit about money or whatever,

0:58:59.120 --> 0:59:01.200
<v Speaker 1>but there needs to be some thing in place, and

0:59:01.320 --> 0:59:04.080
<v Speaker 1>she said okay. So we sat down together and we

0:59:04.200 --> 0:59:09.000
<v Speaker 1>started crafting a bill, and then we met with some

0:59:09.160 --> 0:59:11.920
<v Speaker 1>committee for Education of Kids or something like that and

0:59:12.000 --> 0:59:14.479
<v Speaker 1>worked on the bill even further. And so the bill

0:59:15.400 --> 0:59:17.960
<v Speaker 1>kind of like slowly started to grow and she started

0:59:18.000 --> 0:59:22.560
<v Speaker 1>to get bipartisan support. And so the bill originally was

0:59:22.600 --> 0:59:23.960
<v Speaker 1>going to be named the Budget East to Bill, but

0:59:24.000 --> 0:59:25.360
<v Speaker 1>we found out we couldn't name it that because you

0:59:25.360 --> 0:59:27.040
<v Speaker 1>can't name a bill out of a business, but we

0:59:27.160 --> 0:59:29.640
<v Speaker 1>call it it that anyway. Really it's Bill A three

0:59:29.720 --> 0:59:31.760
<v Speaker 1>three sixty nine, but who cares about that. It's the

0:59:31.800 --> 0:59:34.160
<v Speaker 1>Budget East the bill. So what's super excited that she

0:59:34.280 --> 0:59:36.760
<v Speaker 1>hit it yesterday and said, so there's three there's four

0:59:36.880 --> 0:59:39.040
<v Speaker 1>levels of government that had to go through. It had

0:59:39.080 --> 0:59:42.240
<v Speaker 1>to go through the what did she say? It had

0:59:42.280 --> 0:59:46.360
<v Speaker 1>to go through the Assembly Committee, then the Assembly House,

0:59:46.680 --> 0:59:49.120
<v Speaker 1>then the Senate Committee, and recently the Senate House. So

0:59:49.200 --> 0:59:53.680
<v Speaker 1>there are thirty three senators in New Jersey in all,

0:59:53.840 --> 0:59:57.000
<v Speaker 1>thirty three, so thirty three to zero voted yes on

0:59:57.160 --> 1:00:00.680
<v Speaker 1>this bill. So that was the final kind of frontier

1:00:00.880 --> 1:00:03.160
<v Speaker 1>as far as that part of the government is concerned.

1:00:03.560 --> 1:00:06.360
<v Speaker 1>And now the last step. The bill now is currently

1:00:06.440 --> 1:00:09.720
<v Speaker 1>on Governor Chris Christie's desk and all he has to

1:00:09.760 --> 1:00:14.120
<v Speaker 1>do is sign it and that bill becomes law. Yes,

1:00:14.400 --> 1:00:17.080
<v Speaker 1>and that law would be that K through eight So

1:00:17.200 --> 1:00:20.360
<v Speaker 1>kindergarten to eighth grade would have to learn some level

1:00:20.400 --> 1:00:22.600
<v Speaker 1>and I'm sure we'll figure out the logistics and stuff later,

1:00:22.840 --> 1:00:25.080
<v Speaker 1>but they have to be taught financial education. So the

1:00:25.120 --> 1:00:26.960
<v Speaker 1>first time they're not introduced to it for the first

1:00:27.000 --> 1:00:29.040
<v Speaker 1>time in high school. That they're learning it early on

1:00:29.640 --> 1:00:32.280
<v Speaker 1>and just to be it's just it feels crazy and

1:00:32.920 --> 1:00:37.120
<v Speaker 1>historic and momentous to be part of, like something that

1:00:37.200 --> 1:00:39.000
<v Speaker 1>can be turned into a law. So now I'm like, what,

1:00:39.400 --> 1:00:41.360
<v Speaker 1>but at least the law even though clearly they're not

1:00:41.400 --> 1:00:45.680
<v Speaker 1>calling it that, but I'm calling it that. So yeah,

1:00:45.680 --> 1:00:47.680
<v Speaker 1>I just want to say it. Honestly, I did, like,

1:00:47.800 --> 1:00:50.280
<v Speaker 1>you know, a little bit of the work upfront. But Angela,

1:00:51.200 --> 1:00:54.360
<v Speaker 1>Angela v. McKnight, she is amazing because I mean, it's

1:00:54.400 --> 1:00:56.320
<v Speaker 1>one thing to sit down and say there should be

1:00:56.400 --> 1:00:58.480
<v Speaker 1>a law, and the law should be this, and that's

1:00:58.520 --> 1:01:01.560
<v Speaker 1>literally my involvement. Angela, the one with though, is the

1:01:01.600 --> 1:01:03.800
<v Speaker 1>one that had to go get support on both sides

1:01:03.800 --> 1:01:06.040
<v Speaker 1>of the aisle and massage it and go to the

1:01:06.120 --> 1:01:07.960
<v Speaker 1>Senate and go to the Assembly House. And so it's

1:01:07.960 --> 1:01:11.360
<v Speaker 1>been two years of her tireless work to get it

1:01:11.520 --> 1:01:14.320
<v Speaker 1>to where it is now. Where I mean the work

1:01:14.360 --> 1:01:15.720
<v Speaker 1>you have to do behind the scenes. If you watch

1:01:15.760 --> 1:01:18.000
<v Speaker 1>House of Cards, you see what it looks like to

1:01:18.120 --> 1:01:21.160
<v Speaker 1>get everybody like on board thirty three to zero that

1:01:21.360 --> 1:01:24.120
<v Speaker 1>everybody said yes, we want this bill to be a law.

1:01:24.520 --> 1:01:27.280
<v Speaker 1>So my win truly is for Angela and her tireless

1:01:27.320 --> 1:01:29.520
<v Speaker 1>work that even before she was an assembly woman, she

1:01:29.640 --> 1:01:33.520
<v Speaker 1>had started a nonprofit called Angela Cares, where it was

1:01:34.120 --> 1:01:37.720
<v Speaker 1>to provide support for senior citizens where she lives in

1:01:37.800 --> 1:01:40.640
<v Speaker 1>Jersey City. She's an amazing woman, a mother, a grandmother

1:01:41.160 --> 1:01:43.400
<v Speaker 1>and just you ever meet those just kind hearted souls.

1:01:43.600 --> 1:01:45.600
<v Speaker 1>And she ran for office because she was doing such

1:01:45.640 --> 1:01:49.040
<v Speaker 1>great work in the community just because that people are like,

1:01:49.600 --> 1:01:51.200
<v Speaker 1>I want you to be in office, and she was

1:01:51.240 --> 1:01:53.360
<v Speaker 1>like yeah, and they like pushed her and then I

1:01:53.440 --> 1:01:55.480
<v Speaker 1>forget what her first election was that she won, and

1:01:55.800 --> 1:01:57.800
<v Speaker 1>now she's assembly woman and I'm just hoping that she

1:01:57.880 --> 1:02:00.240
<v Speaker 1>goes further and further because she's one of the one

1:02:00.320 --> 1:02:02.880
<v Speaker 1>that really does it because she wants to see people

1:02:03.880 --> 1:02:06.480
<v Speaker 1>do and be better and she's got and just the

1:02:06.560 --> 1:02:09.120
<v Speaker 1>fact that like she's a brand new assembly woman and

1:02:09.240 --> 1:02:11.840
<v Speaker 1>for her to have a potential law under her belt,

1:02:11.960 --> 1:02:14.200
<v Speaker 1>like it speaks volumes to her her character and her

1:02:14.600 --> 1:02:18.280
<v Speaker 1>ability to get stuff done. And she's brown ambition. So

1:02:18.720 --> 1:02:21.320
<v Speaker 1>there's not win for the budgetist the law aka law

1:02:21.440 --> 1:02:23.400
<v Speaker 1>A What did I say, girl? See No one remembers

1:02:23.440 --> 1:02:24.720
<v Speaker 1>saying A three three sixty nine.

1:02:27.720 --> 1:02:29.280
<v Speaker 2>I was I was trying to play double Dutch and

1:02:29.320 --> 1:02:30.240
<v Speaker 2>I was not getting in there.

1:02:31.760 --> 1:02:34.600
<v Speaker 1>Go ahead, go ahead, Okay, I'm open, rope ahead, it's sick.

1:02:36.240 --> 1:02:38.560
<v Speaker 2>I just wanted to say it's nice to hear at

1:02:38.600 --> 1:02:40.880
<v Speaker 2>the local level people making a difference, because I think

1:02:41.320 --> 1:02:44.000
<v Speaker 2>it can feel like it can feel like, oh, we

1:02:44.080 --> 1:02:46.560
<v Speaker 2>have a president idiot in the office, blah blah blah,

1:02:46.600 --> 1:02:49.040
<v Speaker 2>what can I do? But it's people like Angela really

1:02:49.160 --> 1:02:52.960
<v Speaker 2>like at the grassroots level just running for your local office,

1:02:53.120 --> 1:02:55.840
<v Speaker 2>you know, like that's something that like anybody can do

1:02:56.120 --> 1:02:57.440
<v Speaker 2>just to make a little bit of an impact. And

1:02:57.480 --> 1:02:59.280
<v Speaker 2>I'm a huge hypocrite because its not like I've done that,

1:02:59.440 --> 1:03:02.800
<v Speaker 2>but that's awesome, awesome, Yeah, go ahead.

1:03:02.800 --> 1:03:05.960
<v Speaker 1>And Plus what I love is that Angela has bigger plans.

1:03:06.000 --> 1:03:08.120
<v Speaker 1>Her thing is that if New Jersey can pass this

1:03:08.760 --> 1:03:10.959
<v Speaker 1>and then we can successfully run it, then that's something

1:03:11.040 --> 1:03:12.720
<v Speaker 1>that we can kind of like roll over to other

1:03:12.840 --> 1:03:17.280
<v Speaker 1>states to say, hey, we have a model that works Pennsylvania,

1:03:17.760 --> 1:03:20.240
<v Speaker 1>New York, and you know, so hopefully this is just

1:03:20.320 --> 1:03:24.439
<v Speaker 1>the first of many states to adopt this this law,

1:03:24.600 --> 1:03:26.600
<v Speaker 1>and we can make it a federal law, which would

1:03:26.600 --> 1:03:27.120
<v Speaker 1>be amazing.

1:03:27.680 --> 1:03:30.200
<v Speaker 2>Dope. That was a nice way to end the show,

1:03:30.520 --> 1:03:34.720
<v Speaker 2>I know, right, and it was financial look on message.

1:03:38.280 --> 1:03:39.440
<v Speaker 2>Well happy new Year.

1:03:40.000 --> 1:03:41.720
<v Speaker 1>Yes, Happy New Year to YouTube.

1:03:41.840 --> 1:03:45.200
<v Speaker 2>Um, yeah, you guys how many. If you guys want

1:03:45.240 --> 1:03:48.160
<v Speaker 2>to give us a belated holiday gift, you could go

1:03:48.200 --> 1:03:50.920
<v Speaker 2>to iTunes and leave us a review. That would be

1:03:50.960 --> 1:03:53.920
<v Speaker 2>a spectacular. We happen to get a lot of nice

1:03:53.920 --> 1:03:56.800
<v Speaker 2>little messages over the holidays, but you guys could really

1:03:56.880 --> 1:03:59.000
<v Speaker 2>make a good impact if you left us reviews on

1:03:59.200 --> 1:04:03.320
<v Speaker 2>iTunes because iTunes shows people our show based on the

1:04:03.400 --> 1:04:05.680
<v Speaker 2>number of reviews we get and of course downloads. So

1:04:05.840 --> 1:04:08.400
<v Speaker 2>thank you so much for your support. Share the love,

1:04:08.600 --> 1:04:12.080
<v Speaker 2>tell a friend and hit us up at brand Ambition

1:04:12.200 --> 1:04:16.640
<v Speaker 2>podcast dot com. Come send us questions. We're on Facebook,

1:04:16.720 --> 1:04:20.880
<v Speaker 2>Brown Ambition and on Twitter at the BA podcast.

1:04:22.240 --> 1:04:25.040
<v Speaker 1>Yes. So this was awesome. It was a nice kind

1:04:25.080 --> 1:04:28.760
<v Speaker 1>of like welcome back, welcome back. Well, I'm gonna take

1:04:28.800 --> 1:04:30.320
<v Speaker 1>us hot with a song, so you can fade this

1:04:30.400 --> 1:04:33.400
<v Speaker 1>go Mandy, you know, like in post protection, welcome back,

1:04:33.640 --> 1:04:38.560
<v Speaker 1>welcome back, welcome back, Come on, Mandy, welcome back, welcome back.

1:04:40.160 --> 1:04:45.480
<v Speaker 2>Was saying welcome at the end. I had too many questions.

1:07:20.360 --> 1:07:22.640
<v Speaker 1>I'm like whatever, I feel like, come on. And then

1:07:22.720 --> 1:07:24.560
<v Speaker 1>on top of that, well, you know, I saw a

1:07:24.600 --> 1:07:25.920
<v Speaker 1>lot of people who were mad at the parents. But

1:07:26.120 --> 1:07:28.280
<v Speaker 1>one thing one of my friends who actually in the

1:07:28.320 --> 1:07:30.800
<v Speaker 1>industry and her daughter models, and she was like, typically

1:07:31.240 --> 1:07:34.200
<v Speaker 1>you signed a contract that say he says that that

1:07:34.440 --> 1:07:37.200
<v Speaker 1>you know, whatever pictures come out, that's what they're gonna be.

1:07:37.360 --> 1:07:39.520
<v Speaker 1>And two, they don't like parents to be a distraction

1:07:39.640 --> 1:07:41.480
<v Speaker 1>on the set, So you don't get to see what

1:07:41.600 --> 1:07:43.760
<v Speaker 1>your child is wearing. You just know it's H and V.

1:07:43.760 --> 1:07:45.480
<v Speaker 1>It's not like he's gonna be naked, you know, so

1:07:45.840 --> 1:07:47.520
<v Speaker 1>he's gonna wear a hoodie or whatever. But you don't

1:07:47.520 --> 1:07:49.720
<v Speaker 1>get to actually see the pictures. And then the pictures

1:07:49.840 --> 1:07:54.360
<v Speaker 1>typically parents see them when when when the world sees them?

1:07:54.760 --> 1:07:56.479
<v Speaker 1>And so that because a lot of people were saying,

1:07:56.520 --> 1:07:58.920
<v Speaker 1>what why did his parents allow us? And they might

1:07:59.040 --> 1:08:02.880
<v Speaker 1>not have known until we kind of knew. But let's

1:08:02.880 --> 1:08:05.600
<v Speaker 1>place the blame where the blame lies. I don't despite

1:08:05.680 --> 1:08:07.959
<v Speaker 1>it being even if it was taken in Sweden, where

1:08:08.120 --> 1:08:12.200
<v Speaker 1>maybe that's not considered racist, but you put the ad

1:08:12.320 --> 1:08:14.680
<v Speaker 1>here in the United States, where you know better. I mean,

1:08:14.720 --> 1:08:17.080
<v Speaker 1>come on now, but I did hear. The good news

1:08:17.160 --> 1:08:21.679
<v Speaker 1>is that Diddy offered him a million dollar modeling contract

1:08:21.760 --> 1:08:24.080
<v Speaker 1>for his I don't know if I didn't know if

1:08:24.120 --> 1:08:26.160
<v Speaker 1>he still had a clothing line, but apparently offer him

1:08:26.160 --> 1:08:28.519
<v Speaker 1>a million dollar modern modeling contract, which is dope?

1:08:29.160 --> 1:08:30.280
<v Speaker 2>Is Sean John still a sen?

1:08:31.240 --> 1:08:33.280
<v Speaker 1>I know that? I was like, is that I'm not

1:08:33.400 --> 1:08:36.639
<v Speaker 1>so either way, I'm like, go ahead, Diddy, go ahead.

1:08:37.240 --> 1:08:38.960
<v Speaker 2>I like, I don't just run out of things to

1:08:39.000 --> 1:08:42.680
<v Speaker 2>say about things like that. Just yeah, I just like,

1:08:42.840 --> 1:08:45.559
<v Speaker 2>I don't know, someone just needs to be fired, Swoop

1:08:45.640 --> 1:08:48.960
<v Speaker 2>him up, put him in the trash, move on.

1:08:49.400 --> 1:08:53.080
<v Speaker 1>I don't know what somebody it feels like. I just

1:08:53.400 --> 1:08:55.800
<v Speaker 1>so you just don't have anybody of color like on

1:08:55.920 --> 1:08:59.320
<v Speaker 1>your team will Sweden? You said, well yeah, but still,

1:08:59.400 --> 1:09:01.839
<v Speaker 1>I mean like, okay, so if pictures are shot in Sweden,

1:09:02.320 --> 1:09:05.519
<v Speaker 1>do they not like trickle down to So if if

1:09:06.280 --> 1:09:10.240
<v Speaker 1>marketing stuff is not gonna if it's something that you

1:09:10.360 --> 1:09:13.080
<v Speaker 1>created for the overall company is going to be shared

1:09:13.120 --> 1:09:15.880
<v Speaker 1>in different markets, is there not like some sort of

1:09:16.280 --> 1:09:20.040
<v Speaker 1>like oversight committee, because you know, what might go in

1:09:20.280 --> 1:09:23.880
<v Speaker 1>in in the Hispanic market might not go well over

1:09:24.320 --> 1:09:27.000
<v Speaker 1>in Uh, you know, I don't in an African market,

1:09:27.600 --> 1:09:29.360
<v Speaker 1>you know what I mean? So, like I would assume

1:09:29.600 --> 1:09:32.400
<v Speaker 1>with a I'm sure h and M is a billion dollar,

1:09:32.479 --> 1:09:35.640
<v Speaker 1>if not multi multi multimillion dollar company, that there's some

1:09:35.720 --> 1:09:38.720
<v Speaker 1>sort of oversight committee because you just knowing that all

1:09:38.800 --> 1:09:42.120
<v Speaker 1>things don't fly everywhere, you know, and just looking like, huh,

1:09:42.840 --> 1:09:47.120
<v Speaker 1>calling this little brown boy a monkey via his sweatshirt

1:09:47.280 --> 1:09:51.519
<v Speaker 1>might not be a good idea, but it's just yeah, it's.

1:09:51.360 --> 1:09:53.360
<v Speaker 2>Like you thought that the dove ad was bad. That

1:09:53.439 --> 1:09:58.920
<v Speaker 2>was a brown shirt exactly, and yeah this was H

1:09:58.960 --> 1:09:59.800
<v Speaker 2>and M's like my.

1:10:01.880 --> 1:10:05.880
<v Speaker 1>Yeah, wow, sorry to bring it down, but you know,

1:10:05.920 --> 1:10:07.160
<v Speaker 1>I just had to make sure we got that out

1:10:07.160 --> 1:10:08.519
<v Speaker 1>because I was just like, put in the heck.

1:10:09.320 --> 1:10:12.160
<v Speaker 2>Well, I'm actually going to bring you down and uh,

1:10:12.520 --> 1:10:17.720
<v Speaker 2>possibly upset you because I'm really sorry. Now. Yeah, so

1:10:17.960 --> 1:10:19.759
<v Speaker 2>we weren't recording for the first ten minutes.

1:10:20.840 --> 1:10:21.760
<v Speaker 1>Oh no, that's not so bad.

1:10:22.240 --> 1:10:28.519
<v Speaker 2>Okay, No, no, I'm not over Okay, I'm sorry. I

1:10:28.600 --> 1:10:30.720
<v Speaker 2>didn't realize that I had. I guess when I put

1:10:30.760 --> 1:10:32.200
<v Speaker 2>my new headphone and it stopped recording.

1:10:32.800 --> 1:10:33.920
<v Speaker 1>Okay, my bad.

1:10:34.280 --> 1:10:35.880
<v Speaker 2>But I wrote down a list of things that we

1:10:35.920 --> 1:10:38.720
<v Speaker 2>talked about Oprah, golden globes, fire and fury, and then

1:10:38.760 --> 1:10:41.160
<v Speaker 2>we went right into the I picked up right when

1:10:41.200 --> 1:10:43.840
<v Speaker 2>you started talking about the H and M thing, okay,

1:10:44.640 --> 1:10:45.880
<v Speaker 2>so we need to do the whole intro again.

1:10:45.920 --> 1:10:48.639
<v Speaker 1>I'm sorry, it's okay. You ready yeah,