1 00:00:16,120 --> 00:00:23,400 Speaker 1: Hey, hey, hey, we're back. We're black, we're brown, abbish 2 00:00:23,680 --> 00:00:26,880 Speaker 1: yr I decided to like you see, you had that tone, 3 00:00:26,960 --> 00:00:29,319 Speaker 1: that tonal change. Everybody can't do that. Everybody can't do 4 00:00:29,360 --> 00:00:30,400 Speaker 1: that each week. 5 00:00:30,440 --> 00:00:32,199 Speaker 2: I just regret that we never came up with an 6 00:00:32,240 --> 00:00:40,440 Speaker 2: actual gone for the entry. No, it's just tip spin 7 00:00:40,520 --> 00:00:43,200 Speaker 2: pull tip spin, you know, holding that burying that weight 8 00:00:43,360 --> 00:00:46,480 Speaker 2: on her shoulders for a good four and a half 9 00:00:46,600 --> 00:00:49,920 Speaker 2: years now. I try to switch it up with y'all. 10 00:00:50,320 --> 00:00:51,879 Speaker 3: You would appreciate it, that's what you are. 11 00:00:53,240 --> 00:00:56,400 Speaker 2: No, I appreciated you. I'm just like Mady. We should 12 00:00:56,440 --> 00:00:57,040 Speaker 2: give you a break. 13 00:00:58,360 --> 00:01:00,320 Speaker 3: Oh no, that would actually be cool. If we had 14 00:01:00,320 --> 00:01:03,000 Speaker 3: a little rodo vision like little Diddy Bop, maybe we 15 00:01:03,040 --> 00:01:03,520 Speaker 3: could get there. 16 00:01:03,880 --> 00:01:06,600 Speaker 2: We've been saying that for half we. 17 00:01:06,560 --> 00:01:08,120 Speaker 3: Should hit up the girl. Remember the young woman that 18 00:01:08,160 --> 00:01:10,400 Speaker 3: did that, did the Molly Moore theme song. 19 00:01:11,720 --> 00:01:14,679 Speaker 2: Sure, yeah, right, if you wanna, yeah, let's do that. 20 00:01:14,920 --> 00:01:18,360 Speaker 2: But before that, let's uh, let's talk about what's happening. 21 00:01:18,440 --> 00:01:20,600 Speaker 2: What's happening in year old? How are we? How? First 22 00:01:20,640 --> 00:01:22,520 Speaker 2: of all, mental health check in? How are you doing? 23 00:01:22,920 --> 00:01:26,480 Speaker 3: Eh? Okay, it's a lot, you know, it's about right. 24 00:01:27,920 --> 00:01:30,960 Speaker 3: That's literally like and I guess it's better than like 25 00:01:31,040 --> 00:01:37,080 Speaker 3: being worse than it, but definitely I'm feeling like like, yeah, yeah, it's. 26 00:01:36,880 --> 00:01:38,280 Speaker 2: A cabin fever getting to you. 27 00:01:39,240 --> 00:01:43,160 Speaker 3: Yeah, I mean some days and some days not. I 28 00:01:43,160 --> 00:01:45,560 Speaker 3: mean because I do work largely from home, but it's 29 00:01:45,600 --> 00:01:47,920 Speaker 3: hard because you know, you work from home, but I 30 00:01:47,960 --> 00:01:51,240 Speaker 3: can leave, but knowing that you really can't and I'm 31 00:01:51,240 --> 00:01:53,960 Speaker 3: not gonna lie. More and more of my friends have 32 00:01:54,160 --> 00:01:58,080 Speaker 3: friends that have passed or really sick from Corona, so 33 00:01:58,240 --> 00:02:01,520 Speaker 3: it just it's starting to creeping closer and closer, and 34 00:02:01,560 --> 00:02:05,200 Speaker 3: I'm just you know, you have this feeling where you 35 00:02:05,240 --> 00:02:07,639 Speaker 3: know that eventually you're going to know somebody like, well 36 00:02:07,840 --> 00:02:11,079 Speaker 3: that's like really sick or yea worse than sick. And 37 00:02:11,280 --> 00:02:13,520 Speaker 3: I guess I'm kind of like bracing myself. What is that? 38 00:02:14,400 --> 00:02:17,880 Speaker 3: What does that feel like? You know what I mean? So, yeah, 39 00:02:17,919 --> 00:02:18,440 Speaker 3: you're right. 40 00:02:19,360 --> 00:02:23,239 Speaker 2: It feels almost like you're that person in the movie 41 00:02:23,600 --> 00:02:26,280 Speaker 2: and you're trap somewhere where the water is seeping in 42 00:02:26,560 --> 00:02:28,880 Speaker 2: and right now it's around your ankles, and every week 43 00:02:28,919 --> 00:02:30,919 Speaker 2: it's like, Okay, it's my shins, and it's my knees 44 00:02:30,960 --> 00:02:33,000 Speaker 2: and it's my waist and when is it going to 45 00:02:33,080 --> 00:02:37,480 Speaker 2: get me, Yeah, it's that. It is that that just 46 00:02:37,520 --> 00:02:40,160 Speaker 2: cloud of anxiety which sort of just hangs over everything. 47 00:02:41,000 --> 00:02:43,760 Speaker 2: One of the things I started to do around I 48 00:02:43,800 --> 00:02:45,919 Speaker 2: don't know the third or fourth day since I started 49 00:02:45,960 --> 00:02:49,040 Speaker 2: to work from home, was pull out this old just 50 00:02:49,320 --> 00:02:50,919 Speaker 2: I always buy journals and I'm like, I'm going to 51 00:02:50,960 --> 00:02:53,080 Speaker 2: write in them one day. I love collecting journals that 52 00:02:53,120 --> 00:02:55,639 Speaker 2: I'd never write in, but I finally I picked one 53 00:02:55,680 --> 00:02:58,680 Speaker 2: out and I started to just jot down what really 54 00:02:58,680 --> 00:03:01,160 Speaker 2: frustrated me that day or what was happening that day, 55 00:03:01,200 --> 00:03:04,680 Speaker 2: because there really isn't. I mean, I do have my 56 00:03:04,800 --> 00:03:08,560 Speaker 2: therapist who I still see via a tell a what's 57 00:03:08,600 --> 00:03:10,560 Speaker 2: it called telehealth I think is the platform they use, 58 00:03:10,639 --> 00:03:13,359 Speaker 2: But for me, it helps to just write out what's 59 00:03:13,360 --> 00:03:15,960 Speaker 2: stressing me out and even if it's four am. Especially 60 00:03:16,000 --> 00:03:18,600 Speaker 2: when I was really dealing with intense anxiety when I 61 00:03:18,639 --> 00:03:20,680 Speaker 2: had the baby, I would wake up all night and 62 00:03:20,720 --> 00:03:22,799 Speaker 2: just couldn't. I would stay awake all night and could 63 00:03:22,840 --> 00:03:25,240 Speaker 2: not sleep, and I would just get up, go to 64 00:03:25,280 --> 00:03:27,200 Speaker 2: the kitchen, pull out a notepad and just like write 65 00:03:27,200 --> 00:03:29,720 Speaker 2: out what I was worried about and just write it down. 66 00:03:29,840 --> 00:03:33,919 Speaker 2: And something about that helps me. So if that seems 67 00:03:33,960 --> 00:03:35,520 Speaker 2: like something that could help you. I just wanted to 68 00:03:35,560 --> 00:03:38,600 Speaker 2: share because it's very simple and it's free, and just 69 00:03:38,600 --> 00:03:42,200 Speaker 2: getting it off your chest, saying it out loud, as 70 00:03:42,240 --> 00:03:44,880 Speaker 2: my therapist always says, like one of the things that 71 00:03:45,120 --> 00:03:48,560 Speaker 2: she and I talk about is it's not about pushing 72 00:03:48,600 --> 00:03:51,280 Speaker 2: down the thoughts, the scary thoughts, what could happen, the 73 00:03:51,280 --> 00:03:54,880 Speaker 2: what ifs, But it's about looking at them and acknowledging 74 00:03:54,920 --> 00:03:57,560 Speaker 2: them and letting them float away, just kind of saying, Okay, 75 00:03:57,600 --> 00:04:00,600 Speaker 2: I had that thought, it's just a thought, can't hurt me, 76 00:04:01,040 --> 00:04:03,880 Speaker 2: and kind of moving on from it, and you know, 77 00:04:04,080 --> 00:04:08,000 Speaker 2: my journey through anxiety continues, but not something that's helped me. 78 00:04:08,440 --> 00:04:09,680 Speaker 3: I guess you know what it is that I used 79 00:04:09,680 --> 00:04:14,320 Speaker 3: to always strike me as odd, not odd like but odd. 80 00:04:14,480 --> 00:04:16,159 Speaker 3: I don't know any other way to put it, is 81 00:04:16,200 --> 00:04:20,240 Speaker 3: that things, terrible things can happen, and yet the world 82 00:04:20,279 --> 00:04:22,680 Speaker 3: is still moving, you know. Like I remember when I 83 00:04:22,720 --> 00:04:25,120 Speaker 3: was in it was in my twenties, and I remember, 84 00:04:25,240 --> 00:04:28,320 Speaker 3: like my grandmother passed away, and I remember being like, yo, 85 00:04:28,680 --> 00:04:31,240 Speaker 3: doesn't everybody understand my grandmother passed away? Like as if 86 00:04:31,279 --> 00:04:34,240 Speaker 3: like like everyone stopped for a moment. You know what 87 00:04:34,320 --> 00:04:37,680 Speaker 3: I mean, like it's like like I was teaching preschool 88 00:04:37,680 --> 00:04:38,960 Speaker 3: at the time, and I remember I had to go 89 00:04:39,000 --> 00:04:41,000 Speaker 3: home because it was like, you know, the kids, they 90 00:04:41,040 --> 00:04:43,120 Speaker 3: were like miss Tiffany, look at my dog baby and 91 00:04:43,200 --> 00:04:46,520 Speaker 3: watch me kick and you know, like it's everything keeps 92 00:04:46,560 --> 00:04:50,200 Speaker 3: turning despite tragedy, and so sometimes it's hard because like 93 00:04:50,279 --> 00:04:53,000 Speaker 3: you can't catch your breath because you're like, you know, 94 00:04:53,040 --> 00:04:55,320 Speaker 3: although this is the first time that it does seem 95 00:04:55,360 --> 00:04:57,960 Speaker 3: like a of a kind of a screeching halt because 96 00:04:58,000 --> 00:05:02,120 Speaker 3: things are not turning and churning. But I don't know. 97 00:05:02,160 --> 00:05:04,279 Speaker 3: That always struck me as kind of like this weird 98 00:05:04,920 --> 00:05:09,400 Speaker 3: sense that you have to keep walking despite losing limbs 99 00:05:09,440 --> 00:05:11,440 Speaker 3: along the way or something. You know. I don't know 100 00:05:11,440 --> 00:05:12,360 Speaker 3: if I'm describing it. 101 00:05:12,480 --> 00:05:14,839 Speaker 2: Yeah, no, I get it. It's it's again. I'll go 102 00:05:14,880 --> 00:05:16,680 Speaker 2: back to that analogy of like there's a like a 103 00:05:16,680 --> 00:05:20,120 Speaker 2: tornado hits a big city and maybe you're across the 104 00:05:20,160 --> 00:05:22,680 Speaker 2: country and it's sunny outside and it's hard for you 105 00:05:22,720 --> 00:05:25,320 Speaker 2: to imagine and you go about your life and I 106 00:05:25,360 --> 00:05:27,200 Speaker 2: and it does feel that way being here in New 107 00:05:27,279 --> 00:05:29,320 Speaker 2: York and being in the New Jersey area like we are, 108 00:05:29,720 --> 00:05:31,320 Speaker 2: it feels like you're you're in the eye of the 109 00:05:31,400 --> 00:05:35,320 Speaker 2: hurricane and it's just destroyed. You know, it's we're about 110 00:05:35,360 --> 00:05:38,040 Speaker 2: to hit the apex in terms of deaths. In New York. 111 00:05:38,160 --> 00:05:40,040 Speaker 2: They say the middle of April. It's the end of 112 00:05:40,080 --> 00:05:42,800 Speaker 2: April where it's going to keep getting worse. But there's 113 00:05:42,839 --> 00:05:44,760 Speaker 2: parts of the country where it's not quite as bad. 114 00:05:45,200 --> 00:05:47,679 Speaker 2: And like in Georgia, my my own home state of Georgia, 115 00:05:48,000 --> 00:05:50,320 Speaker 2: Lord have mercy. How do this man beat Stacy Abrams? 116 00:05:50,320 --> 00:05:52,200 Speaker 2: I will never be able to tell you. But the 117 00:05:52,240 --> 00:05:55,600 Speaker 2: governor is trying to reopen beaches right now, and it 118 00:05:55,680 --> 00:05:59,720 Speaker 2: feels like there's some places where people just aren't getting it. 119 00:05:59,800 --> 00:06:03,039 Speaker 2: And I mean, living here in the middle of it, 120 00:06:03,120 --> 00:06:05,680 Speaker 2: we I mean I can't. And I'm talking to my 121 00:06:05,720 --> 00:06:08,200 Speaker 2: family in Georgia and I'm like, you guys have to 122 00:06:08,200 --> 00:06:12,839 Speaker 2: take it seriously, because New York is not special. We are. 123 00:06:13,200 --> 00:06:15,240 Speaker 2: It was always going to grow really fast here because 124 00:06:15,240 --> 00:06:17,279 Speaker 2: we live in such close proximity and there's so many 125 00:06:17,320 --> 00:06:20,920 Speaker 2: of us. But it can happen in other places and 126 00:06:21,000 --> 00:06:25,240 Speaker 2: it already is you see Louisiana. Anyway, I get it. 127 00:06:25,279 --> 00:06:28,240 Speaker 2: And it also for people who have been impacted and 128 00:06:28,279 --> 00:06:31,920 Speaker 2: have lost loved ones to turn on CNN or whatever 129 00:06:32,000 --> 00:06:35,120 Speaker 2: news network and to see that stupid count of the 130 00:06:35,200 --> 00:06:39,520 Speaker 2: deaths like it's a telethon or something like that, ten 131 00:06:39,520 --> 00:06:41,960 Speaker 2: thousand and one, ten thousand and two, you know, and 132 00:06:42,000 --> 00:06:44,600 Speaker 2: it's just it's and I get why they're doing it, 133 00:06:44,640 --> 00:06:48,120 Speaker 2: because it's what people you know, it's it's the fear. 134 00:06:48,279 --> 00:06:53,360 Speaker 2: But it just you can get disconnected from the fact 135 00:06:53,360 --> 00:06:56,000 Speaker 2: that those are real lives that we're using. Up to 136 00:06:56,040 --> 00:06:58,719 Speaker 2: two hundred what was it, two hundred something thousand was 137 00:06:58,720 --> 00:07:01,479 Speaker 2: one of the projections of people who could die before 138 00:07:01,760 --> 00:07:04,039 Speaker 2: we hit before we get to the other side of 139 00:07:04,080 --> 00:07:07,159 Speaker 2: this in the US, and that just No, it's not 140 00:07:07,320 --> 00:07:09,760 Speaker 2: fifty million who died from the Spanish flu one hundred 141 00:07:09,840 --> 00:07:13,800 Speaker 2: years ago, but it's two hundred thousand people. Yeah, so yeah, 142 00:07:13,840 --> 00:07:18,720 Speaker 2: it's really sobering, and you you, I mean, you can't 143 00:07:18,720 --> 00:07:20,480 Speaker 2: think about that stuff all the time because it can 144 00:07:20,560 --> 00:07:23,600 Speaker 2: really weigh you down. So it's like you want to 145 00:07:23,640 --> 00:07:26,920 Speaker 2: stay personally. This weekend, I've tried to not watch the 146 00:07:26,960 --> 00:07:30,320 Speaker 2: news and tried to not watch social media and just 147 00:07:30,360 --> 00:07:33,400 Speaker 2: tried to just live and I did some yardwork and 148 00:07:33,480 --> 00:07:35,720 Speaker 2: it really helped. I treated it like it was a weekend. 149 00:07:35,960 --> 00:07:38,280 Speaker 2: That's one of the problems I think is do you 150 00:07:38,280 --> 00:07:39,960 Speaker 2: feel like the days are just blurring together and the 151 00:07:39,960 --> 00:07:42,800 Speaker 2: weekend's not special anymore. It kind of just feels like 152 00:07:42,840 --> 00:07:45,840 Speaker 2: a continuation. But I truly tried to make it a 153 00:07:45,880 --> 00:07:49,080 Speaker 2: weekend where we slept in and we did some yard 154 00:07:49,080 --> 00:07:51,920 Speaker 2: work and we stayed outside because it was finally nice out. Yeah, 155 00:07:51,960 --> 00:07:54,160 Speaker 2: and just tried to you know, take a break from 156 00:07:54,160 --> 00:07:54,559 Speaker 2: the news. 157 00:07:54,920 --> 00:07:56,840 Speaker 3: Yeah, it did feel like a weekend, like for the 158 00:07:56,880 --> 00:07:59,120 Speaker 3: first weekend because I refuse, Like I remember, there was 159 00:07:59,160 --> 00:08:01,760 Speaker 3: some stuff. It was kind of like overhanging on Friday, 160 00:08:01,800 --> 00:08:03,440 Speaker 3: and I kind of told the team like, yeah, it's 161 00:08:03,480 --> 00:08:07,120 Speaker 3: not that serious, Like everybody, WUSA take this Saturday and 162 00:08:07,160 --> 00:08:10,920 Speaker 3: Sunday to hug on your loved ones who were in 163 00:08:11,560 --> 00:08:14,120 Speaker 3: the house with you, and and you know, sit on 164 00:08:14,160 --> 00:08:16,480 Speaker 3: your front steps if you're able, and go in the 165 00:08:16,480 --> 00:08:20,240 Speaker 3: backyard if you have one, and not work basically, I mean, 166 00:08:20,280 --> 00:08:22,320 Speaker 3: and there are a few things that we do on 167 00:08:22,360 --> 00:08:24,360 Speaker 3: the weekends, like we have for the Literature Academy, we 168 00:08:24,400 --> 00:08:28,000 Speaker 3: have A and a'sk the expert every Sunday, So Tamra, 169 00:08:28,080 --> 00:08:29,640 Speaker 3: I know, had to do some work, but for the 170 00:08:29,640 --> 00:08:33,160 Speaker 3: most part, we're really trying to give people like their weekends. 171 00:08:33,240 --> 00:08:35,840 Speaker 3: So that way there's just a sense of, I don't know, 172 00:08:35,880 --> 00:08:39,000 Speaker 3: bring some sort of sense of normalcy. So yeah, and 173 00:08:39,000 --> 00:08:42,240 Speaker 3: then it's just been like even figuring out this whole 174 00:08:42,280 --> 00:08:43,520 Speaker 3: PPP program. 175 00:08:43,640 --> 00:08:43,920 Speaker 2: Yeah. 176 00:08:44,080 --> 00:08:46,040 Speaker 3: So for those who don't have know PPP program, it's 177 00:08:46,040 --> 00:08:49,319 Speaker 3: the paycheck protection. There's another p IM missing. What's the 178 00:08:49,480 --> 00:08:52,280 Speaker 3: plan plan? Play the hard the easy one. 179 00:08:52,480 --> 00:08:54,280 Speaker 2: So now with PPP, I had to do it. 180 00:08:54,360 --> 00:08:59,160 Speaker 3: Oh I love that. So the PPP program is meant 181 00:08:59,200 --> 00:09:02,880 Speaker 3: for business owners and even that word we use very loosely, 182 00:09:03,360 --> 00:09:07,000 Speaker 3: so proprietors ten ninety nine, folks in independent contractors, people 183 00:09:07,000 --> 00:09:10,439 Speaker 3: who have businesses, even nonprofits that have that employee under 184 00:09:10,440 --> 00:09:16,280 Speaker 3: five hundred people that you could qualify for help. It's 185 00:09:16,480 --> 00:09:22,440 Speaker 3: a loan that becomes a grant if you're GIA, yes, 186 00:09:22,600 --> 00:09:23,280 Speaker 3: forgivable loan. 187 00:09:23,480 --> 00:09:25,760 Speaker 2: That's the big selling point. They're forgivable potentially. 188 00:09:26,120 --> 00:09:30,480 Speaker 3: So at first they were telling us that hey, business 189 00:09:30,520 --> 00:09:35,640 Speaker 3: like your syphony, you can count because they're heavily leaning 190 00:09:35,679 --> 00:09:40,120 Speaker 3: into how many people that you're employing, and we will 191 00:09:40,120 --> 00:09:44,120 Speaker 3: give you two and a half months worth of payroll 192 00:09:44,120 --> 00:09:45,800 Speaker 3: plus a little extra sp like if you have rent 193 00:09:45,880 --> 00:09:48,840 Speaker 3: and some other bills, but mostly they're really leaning into 194 00:09:48,840 --> 00:09:51,280 Speaker 3: your payroll because the purpose of it is for you 195 00:09:51,360 --> 00:09:53,720 Speaker 3: not to let go of anyone. So it's that great 196 00:09:53,720 --> 00:09:57,120 Speaker 3: because honestly, as it relates to my business, it's myself 197 00:09:57,160 --> 00:09:59,160 Speaker 3: and my business partner Jabrill, we are the w two 198 00:09:59,200 --> 00:10:01,600 Speaker 3: workers and everybody else is an independent contractor. And I 199 00:10:01,600 --> 00:10:04,400 Speaker 3: was like, okay, great, we could submit and get two 200 00:10:04,440 --> 00:10:08,439 Speaker 3: and a half months worth of that payroll set aside 201 00:10:08,480 --> 00:10:11,880 Speaker 3: just in case, right, and then as long as after 202 00:10:11,920 --> 00:10:14,280 Speaker 3: that money is dispersed, you keep people employed for eight weeks, 203 00:10:14,679 --> 00:10:17,440 Speaker 3: then that loan becomes forgivable. And then if if you 204 00:10:17,480 --> 00:10:19,920 Speaker 3: don't keep people employed, let's just say you let go 205 00:10:20,000 --> 00:10:23,000 Speaker 3: of half of the people, then half the money is due. 206 00:10:23,080 --> 00:10:25,120 Speaker 3: And there still it feels like you're still working out 207 00:10:25,240 --> 00:10:27,199 Speaker 3: like what it looks like, but it looks like it's 208 00:10:27,240 --> 00:10:29,480 Speaker 3: going to be under four percent the interest on that loan, 209 00:10:29,520 --> 00:10:30,840 Speaker 3: and I think you have up to ten years to 210 00:10:30,840 --> 00:10:33,160 Speaker 3: pay it back. So anyway, I was all like, Okay, 211 00:10:33,200 --> 00:10:35,600 Speaker 3: this is awesome. And now I mean, all of a sudden, 212 00:10:35,679 --> 00:10:38,440 Speaker 3: that of the blue. I guess someone said that there's 213 00:10:38,440 --> 00:10:43,080 Speaker 3: more versions of more interpretations of this Stimulus Care Act 214 00:10:43,120 --> 00:10:46,920 Speaker 3: than the Bible, because now the word really is that no, 215 00:10:47,160 --> 00:10:50,040 Speaker 3: you cannot count your your ten ninety nine workers. So 216 00:10:50,600 --> 00:10:52,000 Speaker 3: which is where most of the people on my team 217 00:10:52,040 --> 00:10:55,800 Speaker 3: are their independent contractors. And the reason, which it makes sense, 218 00:10:55,840 --> 00:10:58,280 Speaker 3: but it's just disappointing. The reason is because the ten 219 00:10:58,440 --> 00:11:03,000 Speaker 3: ninety nine independent contract also can actually claim themselves, so 220 00:11:03,040 --> 00:11:05,360 Speaker 3: they don't want to pay the ten ninety nine worker 221 00:11:06,000 --> 00:11:08,240 Speaker 3: to apply and then you apply for them too, so 222 00:11:08,280 --> 00:11:10,080 Speaker 3: that they're getting basically paid for twice. 223 00:11:10,840 --> 00:11:13,280 Speaker 2: So I was like, where'd you go if you're a 224 00:11:13,320 --> 00:11:15,040 Speaker 2: business owner. I mean, we put the link in the 225 00:11:15,040 --> 00:11:16,760 Speaker 2: show notes last week and I'll do it again to 226 00:11:16,840 --> 00:11:19,520 Speaker 2: the application through the SBA. Is that where you apply 227 00:11:19,600 --> 00:11:22,000 Speaker 2: for PPP or do you go to your like your 228 00:11:22,040 --> 00:11:23,560 Speaker 2: bank or where you start? 229 00:11:23,679 --> 00:11:26,440 Speaker 3: Well, you start with your local bank. Most banks, and 230 00:11:26,520 --> 00:11:30,120 Speaker 3: here's what's so crazy, because applications open on Friday, maybe 231 00:11:30,200 --> 00:11:32,800 Speaker 3: Bank of America, Wells Fargo, they're not taking applications anymore. 232 00:11:32,920 --> 00:11:35,440 Speaker 3: That's crazy, they said. They're so overwhelmed. They're like, nope, 233 00:11:35,440 --> 00:11:39,440 Speaker 3: closing the door. And so in most big banks or 234 00:11:39,520 --> 00:11:43,520 Speaker 3: most banks are only taking applications if you bank with them, 235 00:11:44,200 --> 00:11:46,800 Speaker 3: and so you know, so start with your bank. But 236 00:11:46,880 --> 00:11:48,440 Speaker 3: then you're going to have to do a search. If 237 00:11:48,480 --> 00:11:51,040 Speaker 3: your bank is no longer taking applications, then you're going 238 00:11:51,120 --> 00:11:52,719 Speaker 3: to have to do a search for banks that will 239 00:11:52,720 --> 00:11:55,840 Speaker 3: take applications from people who don't bank with them. So 240 00:11:55,880 --> 00:11:57,720 Speaker 3: that's what I'm kind of doing now because I didn't 241 00:11:58,280 --> 00:11:59,800 Speaker 3: I didn't realize it was going to just be filled 242 00:11:59,880 --> 00:12:03,040 Speaker 3: up so quickly. So my my CFO is quickly working 243 00:12:03,080 --> 00:12:06,160 Speaker 3: on submitting our application to a bank that you don't 244 00:12:06,160 --> 00:12:08,599 Speaker 3: have to bank with in order to in order to 245 00:12:08,640 --> 00:12:13,640 Speaker 3: apply with them. So yeah, it's just it's just I mean, 246 00:12:13,640 --> 00:12:17,520 Speaker 3: when I say a mess, I mean a hot mess, 247 00:12:17,600 --> 00:12:21,160 Speaker 3: a two year old temper tantrum because you say, you know, 248 00:12:21,240 --> 00:12:23,560 Speaker 3: no more, no more animal crackers, because you're going to 249 00:12:23,559 --> 00:12:25,000 Speaker 3: have dinner soon. Mess. 250 00:12:25,040 --> 00:12:27,600 Speaker 2: I mean on the because we've been following it to 251 00:12:28,040 --> 00:12:30,360 Speaker 2: our small business reporter, are really following it, and to me, 252 00:12:30,400 --> 00:12:32,600 Speaker 2: it seems like, well, the government is not always known 253 00:12:32,640 --> 00:12:34,560 Speaker 2: for being the best at rolling out new programs, let 254 00:12:34,640 --> 00:12:37,760 Speaker 2: alone new programs that it talks about on Tuesday and 255 00:12:37,760 --> 00:12:40,800 Speaker 2: then launches on Friday, like this has been really quickly 256 00:12:40,840 --> 00:12:44,000 Speaker 2: slapped together. And I mean, if I were a small 257 00:12:44,040 --> 00:12:47,520 Speaker 2: business owner right now wanting to apply and running into issues. 258 00:12:47,559 --> 00:12:49,640 Speaker 2: I would just say be patient and keep trying and 259 00:12:49,679 --> 00:12:54,440 Speaker 2: be persistent because eventually, hopefully people will figure out. The 260 00:12:54,480 --> 00:12:57,920 Speaker 2: banks are catching up with the government's stimulus package as 261 00:12:57,960 --> 00:12:59,920 Speaker 2: much as you know anyone else right now, and they 262 00:13:00,040 --> 00:13:02,520 Speaker 2: need time to get the right you know, people in 263 00:13:02,559 --> 00:13:05,120 Speaker 2: place and whatnot. And also they're struggling too. You know, 264 00:13:05,280 --> 00:13:07,200 Speaker 2: some banks have had to like lay off people or 265 00:13:07,360 --> 00:13:09,640 Speaker 2: you know, furlough people because of what's going on. So 266 00:13:10,200 --> 00:13:14,600 Speaker 2: I don't know, be patient, try hard, contact community banks, 267 00:13:14,600 --> 00:13:16,880 Speaker 2: credit unions, like smaller banks that may not be getting 268 00:13:16,880 --> 00:13:18,880 Speaker 2: as overwhelmed as the big brand names are. 269 00:13:19,400 --> 00:13:21,400 Speaker 3: Right yep. I was going to say that, yeah, that 270 00:13:21,480 --> 00:13:23,959 Speaker 3: a lot of the smaller banks are definitely they might 271 00:13:24,000 --> 00:13:26,680 Speaker 3: have some space there. And also to call ahead of time, 272 00:13:26,720 --> 00:13:28,360 Speaker 3: ask to speak to the business banker so you know 273 00:13:28,400 --> 00:13:30,360 Speaker 3: what to bring. So because every bank is kind of 274 00:13:30,400 --> 00:13:31,800 Speaker 3: like figuring out and making up their. 275 00:13:31,679 --> 00:13:34,040 Speaker 2: Own rules, so you can go in person to the 276 00:13:34,040 --> 00:13:35,400 Speaker 2: bank for. 277 00:13:35,400 --> 00:13:37,600 Speaker 3: Some people, Yeah, there's some people who actually went, like 278 00:13:37,679 --> 00:13:39,920 Speaker 3: a friend of mine, she went and she and they 279 00:13:40,040 --> 00:13:45,520 Speaker 3: made her come in person. So yeah, so definitely call 280 00:13:45,600 --> 00:13:47,880 Speaker 3: the bank and ask those questions. Do I have to 281 00:13:47,880 --> 00:13:50,800 Speaker 3: come in person? Do I have to bank here, it's 282 00:13:50,800 --> 00:13:53,480 Speaker 3: so kind of open an account. Now what do you 283 00:13:53,600 --> 00:13:56,800 Speaker 3: need because like I said, every you know, Chase Bank, 284 00:13:56,840 --> 00:13:59,400 Speaker 3: for example, has their own application. So yes, there's the 285 00:13:59,400 --> 00:14:02,720 Speaker 3: there's the BA application, but then Chase has their own application. 286 00:14:02,800 --> 00:14:05,080 Speaker 3: So you're wanting to know, like what is the application 287 00:14:05,160 --> 00:14:07,439 Speaker 3: process because well, you don't want to think about this. 288 00:14:08,280 --> 00:14:10,960 Speaker 3: Thousands of people are going to be applying, hundreds of thousands, 289 00:14:11,040 --> 00:14:13,920 Speaker 3: right and if this is not like normal times where 290 00:14:14,080 --> 00:14:16,680 Speaker 3: they can coach you too. Oh your application got kicked 291 00:14:16,679 --> 00:14:19,280 Speaker 3: back because you forgot this. Don't be that person because 292 00:14:19,320 --> 00:14:21,160 Speaker 3: it might just be kickback. Like oh yeah, girl, you're 293 00:14:21,160 --> 00:14:22,840 Speaker 3: not getting nothing because we told you to fill this 294 00:14:22,880 --> 00:14:26,120 Speaker 3: out properly. So making sure that you're going to apply 295 00:14:26,280 --> 00:14:29,840 Speaker 3: that you take the time to give them everything they 296 00:14:29,880 --> 00:14:33,000 Speaker 3: ask for. Yeah, so you know you have the opportunity 297 00:14:33,040 --> 00:14:36,720 Speaker 3: to potentially get money. But yeah, that was just like 298 00:14:36,760 --> 00:14:38,800 Speaker 3: the only cause, like that's significantly less because we have 299 00:14:38,840 --> 00:14:40,920 Speaker 3: like twenty people on the team and there's a difference 300 00:14:40,960 --> 00:14:43,160 Speaker 3: between twenty people payroll to two people. 301 00:14:43,360 --> 00:14:45,520 Speaker 2: Well, we've got a couple of questions relating to the 302 00:14:45,560 --> 00:14:48,760 Speaker 2: stimulus package. That will get to when we answer questions 303 00:14:49,400 --> 00:14:52,000 Speaker 2: and the next segment. Just FYI, okay, if you guys 304 00:14:52,240 --> 00:14:54,520 Speaker 2: do you guys want keep sending your questions and they've 305 00:14:54,520 --> 00:14:57,760 Speaker 2: been great. Go to brand Ambission podcast dot com ask 306 00:14:57,840 --> 00:15:01,080 Speaker 2: us ask us anything, or you can send me notes 307 00:15:01,120 --> 00:15:04,160 Speaker 2: directly on Instagram. We're at brand a Mission Podcast or 308 00:15:04,280 --> 00:15:08,720 Speaker 2: email Brando Mission Podcast at gmail dot com. Back, So 309 00:15:08,760 --> 00:15:10,680 Speaker 2: why don't we take a quick break and we will 310 00:15:10,680 --> 00:15:12,560 Speaker 2: come back and get into some of those questions. 311 00:15:42,720 --> 00:15:49,840 Speaker 3: So it's time for question DA questions. Honestly, I really 312 00:15:49,840 --> 00:15:52,800 Speaker 3: love the questions segment because folks ask such great questions 313 00:15:52,800 --> 00:15:56,360 Speaker 3: and sometimes I'm like, oh, good ones. What questions we 314 00:15:56,400 --> 00:15:57,280 Speaker 3: have in the mail bag? 315 00:15:57,640 --> 00:16:01,080 Speaker 2: As I mentioned, we have a couple of questions from 316 00:16:01,120 --> 00:16:03,760 Speaker 2: people who are wondering, you know, what should they be 317 00:16:03,840 --> 00:16:06,520 Speaker 2: doing now that there is this stimulus package coming out. 318 00:16:06,880 --> 00:16:09,640 Speaker 2: This question comes from with someone who wanted to remain anonymous. 319 00:16:10,120 --> 00:16:13,520 Speaker 2: She says, I actually haven't filed taxes in the last 320 00:16:13,600 --> 00:16:15,840 Speaker 2: couple of years. Does this mean I will not qualify 321 00:16:15,880 --> 00:16:18,720 Speaker 2: for a stimulus check? If not, what can I do 322 00:16:19,200 --> 00:16:21,920 Speaker 2: so that I can potentially qualify? This is a really 323 00:16:22,000 --> 00:16:25,800 Speaker 2: good question because we mentioned last week, so these checks 324 00:16:25,840 --> 00:16:27,960 Speaker 2: will be coming in the next couple of weeks or so. 325 00:16:28,200 --> 00:16:30,240 Speaker 2: There's still not a firm date on that, but the 326 00:16:30,240 --> 00:16:32,520 Speaker 2: way that's happening, so if you file taxes in twenty 327 00:16:32,560 --> 00:16:35,360 Speaker 2: eighteen or twenty nineteen, the IRS is going to use 328 00:16:35,400 --> 00:16:38,160 Speaker 2: that tax return to see if you're eligible or not. 329 00:16:38,440 --> 00:16:40,840 Speaker 2: So what that means is, if you earned a lot 330 00:16:40,840 --> 00:16:43,280 Speaker 2: more money in twenty eighteen than you did in twenty nineteen, 331 00:16:43,320 --> 00:16:45,320 Speaker 2: you're going to want to follow your twenty nineteen taxes 332 00:16:45,400 --> 00:16:48,280 Speaker 2: asap so that they can look at your lower income 333 00:16:48,320 --> 00:16:51,600 Speaker 2: this year because if you have higher income, I believe 334 00:16:51,600 --> 00:16:54,080 Speaker 2: they've capped it at around ninety nine thousand dollars for 335 00:16:54,080 --> 00:16:57,160 Speaker 2: an individual. If you have higher income, you won't qualify 336 00:16:57,240 --> 00:17:00,080 Speaker 2: for any stimulus money. So let's say you earned one 337 00:17:00,120 --> 00:17:03,320 Speaker 2: hundred thousand dollars in twenty eighteen, and your freelancer in 338 00:17:03,360 --> 00:17:05,879 Speaker 2: twenty nineteen it was super slow and you earned fifty 339 00:17:05,960 --> 00:17:08,480 Speaker 2: thousand dollars. You're going to want to file that twenty 340 00:17:08,560 --> 00:17:11,640 Speaker 2: nineteen tax return so that it reflects that lower income, 341 00:17:11,760 --> 00:17:14,879 Speaker 2: so you will qualify for a check. If not, Like 342 00:17:14,920 --> 00:17:17,280 Speaker 2: I said, they'll look at twenty eighteen's tax returns and 343 00:17:17,320 --> 00:17:19,960 Speaker 2: that if you earn more that year, you may not 344 00:17:20,080 --> 00:17:23,480 Speaker 2: qualify that being said, like she asks, what do I 345 00:17:23,520 --> 00:17:26,080 Speaker 2: do if I didn't file taxes those two years? So 346 00:17:26,160 --> 00:17:28,440 Speaker 2: what the IRS is doing is they're going to look 347 00:17:28,480 --> 00:17:32,240 Speaker 2: at social Security statements to see if people can be eligible. 348 00:17:32,640 --> 00:17:34,760 Speaker 2: Or you can quickly go ahead and file your twenty 349 00:17:34,840 --> 00:17:38,080 Speaker 2: nineteen tax It's just a simple tax return for twenty nineteen. 350 00:17:38,119 --> 00:17:40,479 Speaker 2: It's not too late, and they can use the income 351 00:17:40,640 --> 00:17:43,960 Speaker 2: or whatever you put on that tax return right now, 352 00:17:44,119 --> 00:17:47,439 Speaker 2: so it's not too late. And whatever bank account you 353 00:17:47,560 --> 00:17:51,760 Speaker 2: have connected to your your refund in the past, whatever 354 00:17:52,080 --> 00:17:54,480 Speaker 2: wherever it's been direct deposited, if that's how you've gotten 355 00:17:54,480 --> 00:17:56,919 Speaker 2: your refund, I think most people have, that's where the 356 00:17:56,920 --> 00:18:01,560 Speaker 2: IRS will be sending it. So get on it. And 357 00:18:01,600 --> 00:18:03,400 Speaker 2: I'm going to put the same resource links that were 358 00:18:03,400 --> 00:18:05,840 Speaker 2: in last week's show in this show. Note says, well 359 00:18:05,960 --> 00:18:09,640 Speaker 2: for you guys to check. All right, and let's take 360 00:18:09,720 --> 00:18:13,920 Speaker 2: our next question from a listener will call Arti. Artie says, 361 00:18:13,960 --> 00:18:17,000 Speaker 2: God bless you both. During this time, the President announced 362 00:18:17,040 --> 00:18:19,680 Speaker 2: that interest on federal student loans will be discontinued until 363 00:18:19,720 --> 00:18:22,919 Speaker 2: further notice. My student loan provider said they implemented this, 364 00:18:23,000 --> 00:18:26,040 Speaker 2: but they said my payments will stay the same shouldn't 365 00:18:26,040 --> 00:18:28,480 Speaker 2: my fixed monthly payment go down as a result of 366 00:18:28,520 --> 00:18:32,280 Speaker 2: interest no longer being applied, Artie, So she sent this 367 00:18:32,320 --> 00:18:35,640 Speaker 2: email on March twenty third. We just checked on this 368 00:18:35,960 --> 00:18:39,439 Speaker 2: and there's good news here. So the great news is 369 00:18:39,440 --> 00:18:44,000 Speaker 2: that actually the government has suspended student loan payments on 370 00:18:44,040 --> 00:18:48,200 Speaker 2: federal loans from March thirteen through September thirtieth, which means 371 00:18:48,359 --> 00:18:50,119 Speaker 2: if you have federal student loans, you don't have to 372 00:18:50,160 --> 00:18:53,960 Speaker 2: pay anything. What they've done is automatically put federal student 373 00:18:54,000 --> 00:18:58,120 Speaker 2: loan borrowers into forbearons. On top of that, typically when 374 00:18:58,160 --> 00:19:01,239 Speaker 2: you're put a loan in fourbearans is still accruing, so 375 00:19:01,280 --> 00:19:02,919 Speaker 2: although you don't have to pay anything, you still have 376 00:19:03,000 --> 00:19:03,960 Speaker 2: interest piling up. 377 00:19:04,200 --> 00:19:06,760 Speaker 3: And sometimes you can make interest payments because I used 378 00:19:06,760 --> 00:19:09,159 Speaker 3: to be for Baron's Queen and so I used to 379 00:19:09,200 --> 00:19:12,720 Speaker 3: make the interest payments just so it wouldn't accrue on 380 00:19:12,800 --> 00:19:14,760 Speaker 3: top of my principle. So just know that this is 381 00:19:14,880 --> 00:19:16,280 Speaker 3: a second break they're giving. 382 00:19:16,000 --> 00:19:20,320 Speaker 2: You exactly, so there's not actually any interest accruing even 383 00:19:20,320 --> 00:19:23,800 Speaker 2: though you're in forbearans. So this is a double wamy benefit. 384 00:19:23,960 --> 00:19:27,040 Speaker 2: So Alretie, you should call your servicer back and make 385 00:19:27,080 --> 00:19:29,640 Speaker 2: sure that they know that this is the new law 386 00:19:29,640 --> 00:19:32,080 Speaker 2: that's passed. And like we've said before, a lot of 387 00:19:32,080 --> 00:19:34,520 Speaker 2: companies like banks and lenders, they're catching up with the 388 00:19:34,560 --> 00:19:37,320 Speaker 2: news just like we are. So if you're getting confusing 389 00:19:37,680 --> 00:19:40,639 Speaker 2: advice that conflicts with what you find on federal websites, 390 00:19:40,920 --> 00:19:44,320 Speaker 2: for example, definitely go to studentaid dot gov and click 391 00:19:44,359 --> 00:19:45,679 Speaker 2: on their corona we I'll put a link to this 392 00:19:45,720 --> 00:19:47,119 Speaker 2: in the show notes. I'll save you the trouble. Go 393 00:19:47,160 --> 00:19:49,320 Speaker 2: the show notes and I'll put a link to the 394 00:19:49,359 --> 00:19:52,920 Speaker 2: Coronavirus Federal student Loan page that you guys can check 395 00:19:52,960 --> 00:19:57,040 Speaker 2: the information. Call your servicer and if you get confusing advice, 396 00:19:57,080 --> 00:19:59,119 Speaker 2: I would just escalate it to a manager until you 397 00:19:59,480 --> 00:20:02,440 Speaker 2: get someone on the phone who knows what they're talking about. Yeah, 398 00:20:02,440 --> 00:20:04,919 Speaker 2: because yeah, you shouldn't have to pay anything. You can 399 00:20:04,960 --> 00:20:08,240 Speaker 2: still choose to pay, and say that if you can, 400 00:20:08,400 --> 00:20:10,080 Speaker 2: why stop, right, I mean. 401 00:20:10,880 --> 00:20:13,919 Speaker 3: To me, I wouldn't like I only if, like, if 402 00:20:13,920 --> 00:20:15,399 Speaker 3: it already doesn't if you don't have like a good 403 00:20:15,440 --> 00:20:18,679 Speaker 3: amount of like emergency savings save, then I might reconsider 404 00:20:18,800 --> 00:20:21,480 Speaker 3: like kind of continuing to pay. But if you feel 405 00:20:21,480 --> 00:20:23,119 Speaker 3: like you know your bills are up to day and 406 00:20:23,160 --> 00:20:25,680 Speaker 3: you have a good amount of emergency savings. When by 407 00:20:25,680 --> 00:20:28,320 Speaker 3: good amount in times like these, I say six months. 408 00:20:28,840 --> 00:20:30,800 Speaker 3: But I think what Mandy was going to say is 409 00:20:30,800 --> 00:20:33,359 Speaker 3: that that all of the money that you send toward 410 00:20:33,480 --> 00:20:36,439 Speaker 3: your federal student loans now up until September thirtieth, all 411 00:20:36,520 --> 00:20:38,960 Speaker 3: of it will go to the principle that means, you know, 412 00:20:39,119 --> 00:20:42,040 Speaker 3: not some like like normal. So it's a it's an 413 00:20:42,080 --> 00:20:45,480 Speaker 3: opportunity to pay down your student loan debt just a 414 00:20:45,480 --> 00:20:49,760 Speaker 3: little bit faster. So not everyone has six months, So 415 00:20:50,080 --> 00:20:51,760 Speaker 3: this is an opportunity, like you know, to stack up 416 00:20:51,760 --> 00:20:54,240 Speaker 3: on your on your emergency savings just in case we 417 00:20:54,240 --> 00:20:56,359 Speaker 3: don't know what's going to happen moving forward. And I 418 00:20:56,359 --> 00:21:00,320 Speaker 3: think having a strong cash position so you can this 419 00:21:00,440 --> 00:21:02,479 Speaker 3: wave out is a really good idea. 420 00:21:02,640 --> 00:21:05,600 Speaker 2: Yeah, And if I can be Devil's advocate, I mean, 421 00:21:05,680 --> 00:21:07,920 Speaker 2: if you're talking about I think we've had some questions 422 00:21:07,960 --> 00:21:10,200 Speaker 2: from people should I be investing right now? And we've 423 00:21:10,200 --> 00:21:12,439 Speaker 2: had some people who have been like, I'm going to 424 00:21:12,440 --> 00:21:14,640 Speaker 2: put more money in the market because you know, we're 425 00:21:14,680 --> 00:21:17,600 Speaker 2: at we're at bottom or nearing the bottom where we 426 00:21:17,600 --> 00:21:19,880 Speaker 2: were anyway, and it's sort of like stocks are on sale. 427 00:21:19,880 --> 00:21:21,280 Speaker 2: So if you're going to invest now is a good 428 00:21:21,280 --> 00:21:23,720 Speaker 2: time because then you can ride the wave. If there's 429 00:21:23,760 --> 00:21:26,240 Speaker 2: a wave, which history is shown, there usually is one 430 00:21:26,280 --> 00:21:28,919 Speaker 2: that goes back up. So, like Tiffany said, if you 431 00:21:28,920 --> 00:21:31,600 Speaker 2: have your emergency fund stashed, you have your regular bills 432 00:21:31,600 --> 00:21:35,800 Speaker 2: paid off, there's no other obligations that you have. If 433 00:21:35,840 --> 00:21:38,919 Speaker 2: you're torn between making a student loan payment on a 434 00:21:39,080 --> 00:21:41,520 Speaker 2: on a loan that no longer has interest through September, 435 00:21:41,640 --> 00:21:43,879 Speaker 2: or maybe kicking money into your four to one K, 436 00:21:44,480 --> 00:21:47,359 Speaker 2: it depends on your appetite for risk right now, but 437 00:21:47,680 --> 00:21:49,840 Speaker 2: you know, you could argue that it makes more sense 438 00:21:49,840 --> 00:21:52,680 Speaker 2: to potentially put it into even a CD would earn 439 00:21:52,680 --> 00:21:55,000 Speaker 2: a little bit something, or put it in a high 440 00:21:55,040 --> 00:22:00,240 Speaker 2: yield savings account if you're feeling you know, queasy about 441 00:22:00,280 --> 00:22:02,040 Speaker 2: maybe putting it into your four to one K or 442 00:22:02,040 --> 00:22:04,640 Speaker 2: in the stock market, put it into a vehicle where 443 00:22:04,640 --> 00:22:06,560 Speaker 2: maybe you can earn a little bit of interest, because 444 00:22:06,680 --> 00:22:08,640 Speaker 2: if you've use it to pay your student loans right now, 445 00:22:09,040 --> 00:22:11,879 Speaker 2: the benefit is that you pay your principle down but 446 00:22:12,200 --> 00:22:14,840 Speaker 2: you're not being charged interest, So you could gain a 447 00:22:14,840 --> 00:22:17,880 Speaker 2: little bit more by you know, saving or investing it elsewhere. 448 00:22:18,800 --> 00:22:21,760 Speaker 2: All right, but great question, thank you very much, Artie 449 00:22:22,040 --> 00:22:23,840 Speaker 2: and that seeing Should we take one more? 450 00:22:24,520 --> 00:22:26,480 Speaker 3: Oh a mass? I think we should because it's crazy 451 00:22:26,520 --> 00:22:27,120 Speaker 3: times right now? 452 00:22:27,240 --> 00:22:31,880 Speaker 2: Oh no, moss Okay. This comes from the gram listener 453 00:22:32,000 --> 00:22:36,239 Speaker 2: name Eli Eli says quick question. Prior to COVID, I 454 00:22:36,280 --> 00:22:38,320 Speaker 2: had planned for the month of April to open a 455 00:22:38,400 --> 00:22:41,680 Speaker 2: travel credit card for the rewards. My other credit cards 456 00:22:41,680 --> 00:22:44,040 Speaker 2: are paid off, so debt is an issue. I was 457 00:22:44,119 --> 00:22:46,480 Speaker 2: concerned that it might look desperate to open a card 458 00:22:46,520 --> 00:22:48,840 Speaker 2: at this time. On the other hand, I feel like 459 00:22:48,880 --> 00:22:50,960 Speaker 2: I might get a good rate. Should I wait till 460 00:22:51,000 --> 00:22:53,639 Speaker 2: after the pandemic is over? Or will it not matter? 461 00:22:54,920 --> 00:22:56,520 Speaker 2: Interesting look desperate to who? 462 00:22:58,960 --> 00:23:00,840 Speaker 3: For no right? 463 00:23:01,200 --> 00:23:03,600 Speaker 2: It didn't hurt you. Desperations is not one of the 464 00:23:03,640 --> 00:23:06,240 Speaker 2: components of a credit score. Not what you're worried about. 465 00:23:06,760 --> 00:23:09,359 Speaker 3: If like your hand shook that that your score drops 466 00:23:09,359 --> 00:23:12,400 Speaker 3: some points, like oh I needed money now, I say 467 00:23:12,440 --> 00:23:14,280 Speaker 3: you like you know, if that's not an issue, there's 468 00:23:14,280 --> 00:23:16,479 Speaker 3: nothing wrong with going ahead and open up a opening 469 00:23:16,560 --> 00:23:19,920 Speaker 3: up a credit card. If anything, now I have seen 470 00:23:19,960 --> 00:23:21,320 Speaker 3: I don't know if you've seen, because I've gotten like 471 00:23:21,320 --> 00:23:23,800 Speaker 3: these credit card solicitations in the mail that they're actually 472 00:23:23,800 --> 00:23:27,560 Speaker 3: giving more reward points travel reward points than they were. 473 00:23:27,400 --> 00:23:30,680 Speaker 2: Before, are they Well I didn't know that. 474 00:23:31,119 --> 00:23:33,200 Speaker 3: Well, I mean just seeing from what's coming in, Like 475 00:23:33,240 --> 00:23:36,080 Speaker 3: I'm like, ooh, before this was fifty thousand points, now 476 00:23:36,119 --> 00:23:38,440 Speaker 3: this is one hundred thousand. And I don't know if 477 00:23:38,440 --> 00:23:41,200 Speaker 3: it's related to COVID, but like, for example, just with everything, 478 00:23:41,240 --> 00:23:43,520 Speaker 3: I feel like like a Domino's just set me like 479 00:23:43,520 --> 00:23:46,439 Speaker 3: a coupon forty percent off, and I'm getting all of 480 00:23:46,480 --> 00:23:49,200 Speaker 3: these coupons all of you. I feel like people are 481 00:23:49,200 --> 00:23:53,680 Speaker 3: trying to hopefully sway folks into making a move when 482 00:23:53,720 --> 00:23:56,480 Speaker 3: it comes to investing in their business by being a patron. 483 00:23:56,920 --> 00:24:00,240 Speaker 3: So yeah, I mean, definitely shop around. There's nothing with 484 00:24:00,280 --> 00:24:02,359 Speaker 3: that because what we do know is actually we're going 485 00:24:02,440 --> 00:24:04,200 Speaker 3: to fly again. We're not going to never fly again. 486 00:24:04,600 --> 00:24:06,000 Speaker 3: So there's nothing going to fly now. 487 00:24:06,280 --> 00:24:09,320 Speaker 2: You know you were brave enough and it's an emergency. 488 00:24:09,920 --> 00:24:12,280 Speaker 2: I would just say I wouldn't rush to open up 489 00:24:12,400 --> 00:24:15,240 Speaker 2: a travel rewards card that has an annual fee right 490 00:24:15,240 --> 00:24:18,639 Speaker 2: now unless you can immediately get some benefits that would 491 00:24:19,200 --> 00:24:21,720 Speaker 2: outweigh the cost of that annual fee, like if you 492 00:24:21,720 --> 00:24:23,439 Speaker 2: had to sign up bonus or whatnot and made it 493 00:24:23,480 --> 00:24:26,119 Speaker 2: worth it just because you know, the usual benefit with 494 00:24:26,160 --> 00:24:28,720 Speaker 2: these cards is that you have to spend spend using 495 00:24:28,760 --> 00:24:32,240 Speaker 2: travel sometimes entertainment or restaurants or what not to get 496 00:24:32,240 --> 00:24:35,320 Speaker 2: the most lucrative rewards. And if you're not doing a 497 00:24:35,320 --> 00:24:36,800 Speaker 2: lot of that right now, then you're not going to 498 00:24:36,880 --> 00:24:39,359 Speaker 2: be stashing away a lot of points. And is it 499 00:24:39,400 --> 00:24:42,000 Speaker 2: worth you know, paying like I know the Chase Sapphire Reserve, 500 00:24:42,119 --> 00:24:44,400 Speaker 2: they increase their feet of five hundred dollars and five 501 00:24:44,480 --> 00:24:49,080 Speaker 2: hundred and fifty dollars this last year. And definitely if 502 00:24:49,080 --> 00:24:51,879 Speaker 2: you were thinking about one of those really expensive annual 503 00:24:51,880 --> 00:24:54,160 Speaker 2: fee cards, just want to do the math to see 504 00:24:54,160 --> 00:24:58,640 Speaker 2: if the benefits outweigh that reward before you rush out 505 00:24:58,640 --> 00:25:02,720 Speaker 2: to sign up. Yeah, all right, cool, Well again, you 506 00:25:02,760 --> 00:25:05,480 Speaker 2: guys send us your questions. Brand Ambisson Podcast on the 507 00:25:05,520 --> 00:25:08,960 Speaker 2: Gram or brand Ambission Podcast at gmail dot com. We're 508 00:25:09,000 --> 00:25:12,000 Speaker 2: also on our website, Brandambition podcast dot com. 509 00:25:12,080 --> 00:25:17,240 Speaker 3: Yes, and now it's time for a boost or break, 510 00:25:17,680 --> 00:25:20,000 Speaker 3: boost a break. I have a boost and a break. 511 00:25:20,080 --> 00:25:21,080 Speaker 3: What about you? 512 00:25:21,359 --> 00:25:23,720 Speaker 2: I was going to do a boost keep it positive? 513 00:25:23,920 --> 00:25:25,840 Speaker 3: Okay, Well my break is not really like a huge, 514 00:25:25,880 --> 00:25:29,000 Speaker 3: like a really bad break, So I'll do the break first. 515 00:25:29,560 --> 00:25:33,520 Speaker 3: Oh there's another streaming platform out It's called Quibi. Have 516 00:25:33,600 --> 00:25:34,720 Speaker 3: you heard of it? I have. 517 00:25:34,920 --> 00:25:38,360 Speaker 2: I've seen a couple of ads for shows on Quibi 518 00:25:38,440 --> 00:25:42,480 Speaker 2: and I'm like, ugh, I got one and another one 519 00:25:43,720 --> 00:25:45,840 Speaker 2: time these days the one not I know. 520 00:25:45,960 --> 00:25:49,040 Speaker 3: So I'm kind of like, eh, so, what makes quibi 521 00:25:49,160 --> 00:25:51,520 Speaker 3: or Quibi? I'm not sure how they're saying it's so special? 522 00:25:52,240 --> 00:25:55,200 Speaker 3: Is I think like the Dreamworksky is, you know, one 523 00:25:55,240 --> 00:25:59,040 Speaker 3: of the founders and some other super fancy person that 524 00:25:59,080 --> 00:26:01,800 Speaker 3: has like all this knowledge. They've raised so much money, 525 00:26:02,000 --> 00:26:04,800 Speaker 3: like two billion dollars to launch this thing. But from 526 00:26:04,800 --> 00:26:06,560 Speaker 3: what I can understand, from when I can understand, what 527 00:26:06,640 --> 00:26:09,720 Speaker 3: makes it so special is that it's especially optimized for 528 00:26:09,760 --> 00:26:12,840 Speaker 3: your phone, so you can hold your phone horizontally and 529 00:26:12,880 --> 00:26:16,400 Speaker 3: then you can hold it vertically. And what they've done 530 00:26:16,440 --> 00:26:19,480 Speaker 3: is they shot this movie or this whatever and two 531 00:26:19,480 --> 00:26:23,240 Speaker 3: different like they shot it vertically and they shot it horizontally, 532 00:26:23,280 --> 00:26:26,040 Speaker 3: so you can actually get two point of views, like 533 00:26:26,080 --> 00:26:28,199 Speaker 3: as you watch, like ooh oh, this one, I can 534 00:26:28,240 --> 00:26:29,520 Speaker 3: see the outside of the house. This one, I can 535 00:26:29,560 --> 00:26:31,159 Speaker 3: see the inside of the house as you switch your 536 00:26:31,160 --> 00:26:33,520 Speaker 3: phone back and forth. I don't know, I'm just like 537 00:26:33,560 --> 00:26:36,760 Speaker 3: and all. What also makes it special is that all 538 00:26:36,800 --> 00:26:39,840 Speaker 3: of the content is like ten minutes to under so 539 00:26:40,320 --> 00:26:41,760 Speaker 3: it's really meant to be like kind of like on 540 00:26:41,800 --> 00:26:46,280 Speaker 3: the go. But I'm like, okay. I mean they say 541 00:26:46,400 --> 00:26:48,920 Speaker 3: that it's not really geared toward Generation Z, that's really 542 00:26:48,960 --> 00:26:50,880 Speaker 3: geared toward millennials. So I guess we'll see. I mean, 543 00:26:51,600 --> 00:26:54,040 Speaker 3: you know, like depending on who you ask on, one 544 00:26:54,080 --> 00:26:57,240 Speaker 3: year removed or one year one pinky toe in millennial land. 545 00:26:57,680 --> 00:26:59,760 Speaker 3: So I don't know. I just kind of a break 546 00:26:59,840 --> 00:27:03,399 Speaker 3: just from another platform. 547 00:27:03,359 --> 00:27:05,520 Speaker 2: Platform to pay for, you know, if you're looking for 548 00:27:05,560 --> 00:27:08,280 Speaker 2: expenses to trim, I would like your streaming services. 549 00:27:08,920 --> 00:27:11,240 Speaker 3: People are like, what girl, not Netflix? Go ahead? I'm 550 00:27:11,280 --> 00:27:12,600 Speaker 3: like understood that. 551 00:27:14,040 --> 00:27:18,280 Speaker 2: I feel it's do you need Apple TV? Like I 552 00:27:18,359 --> 00:27:22,719 Speaker 2: don't know. Reese Weatherspoon Show is pretty good, but like 553 00:27:22,720 --> 00:27:24,080 Speaker 2: it's over so we canceled it. 554 00:27:26,080 --> 00:27:28,960 Speaker 3: So yeah, I don't know that quibi is necessary. So 555 00:27:29,080 --> 00:27:31,840 Speaker 3: then that's just my light break. But my boost is 556 00:27:31,880 --> 00:27:36,320 Speaker 3: I really want to boost my financial friends circle. I 557 00:27:36,320 --> 00:27:38,760 Speaker 3: guess my financial network circle. They have really just been 558 00:27:38,880 --> 00:27:43,080 Speaker 3: rising to the occasion and just sharing their knowledge just 559 00:27:43,119 --> 00:27:45,680 Speaker 3: freely with folks. Like if you guys know, like two 560 00:27:45,680 --> 00:27:49,159 Speaker 3: weeks ago, I did a free financial series and it 561 00:27:49,200 --> 00:27:52,959 Speaker 3: was Tila teaching stocks. I taught budgeting and savings, Sandy 562 00:27:53,000 --> 00:27:57,080 Speaker 3: taught how to make money from home, and Cara taught 563 00:27:57,119 --> 00:27:59,720 Speaker 3: you know, emotional wellness. And we did it for free 564 00:27:59,760 --> 00:28:02,199 Speaker 3: and really like well received. I just ran the numbers. 565 00:28:02,400 --> 00:28:07,040 Speaker 3: Mandy over two hundred thousand views, thousands of comments, thousands 566 00:28:07,080 --> 00:28:09,399 Speaker 3: of shares. It just was great and awesome and if 567 00:28:09,400 --> 00:28:11,000 Speaker 3: you like I missed it, it's honestly it's on the 568 00:28:11,240 --> 00:28:13,520 Speaker 3: budget needs to Facebook page. I just you can cook 569 00:28:13,600 --> 00:28:16,120 Speaker 3: video and all the videos are there. Every lesson. It's 570 00:28:16,160 --> 00:28:18,679 Speaker 3: like a deep lesson, so totally free. It was our 571 00:28:18,680 --> 00:28:21,200 Speaker 3: way of giving back. And then I leaned in again 572 00:28:21,240 --> 00:28:22,600 Speaker 3: because people are like, you know, are you going to 573 00:28:22,640 --> 00:28:24,240 Speaker 3: do it again? And I wasn't going to be. It's 574 00:28:24,280 --> 00:28:25,840 Speaker 3: not an easy lift. It's a lot of work, but 575 00:28:26,200 --> 00:28:28,640 Speaker 3: I know people are really in need. So I kind 576 00:28:28,640 --> 00:28:30,600 Speaker 3: of took like this informal survey of what do you 577 00:28:30,600 --> 00:28:32,480 Speaker 3: want to learn? And then I've reached out to my 578 00:28:33,000 --> 00:28:36,400 Speaker 3: financial adjacent friends based upon what people said. And even 579 00:28:36,400 --> 00:28:38,720 Speaker 3: as you're listening to this, even if you've missed like 580 00:28:38,800 --> 00:28:42,120 Speaker 3: a session or whatever, they'll still be the like I said, 581 00:28:42,120 --> 00:28:43,640 Speaker 3: the replay will still be on the budget needs to 582 00:28:43,640 --> 00:28:46,840 Speaker 3: Facebook page. But we have ec who's teaching how to 583 00:28:46,920 --> 00:28:48,960 Speaker 3: land your dream job when no one is hiring. She 584 00:28:49,040 --> 00:28:52,000 Speaker 3: teaches dream job how to land your dream job anyway, 585 00:28:52,040 --> 00:28:55,760 Speaker 3: but she's really leaning into like now and you know, 586 00:28:55,920 --> 00:28:57,600 Speaker 3: like what it seems like no one's hiring. There are 587 00:28:57,600 --> 00:28:59,680 Speaker 3: people who are hiring, how do you land that job? 588 00:29:00,280 --> 00:29:03,320 Speaker 3: Than Ash Cash my boy is teaching how to master 589 00:29:03,440 --> 00:29:07,680 Speaker 3: your mindset and manifest some abundance in times of uncertainty. 590 00:29:07,720 --> 00:29:11,160 Speaker 3: He's an awesome like mindset kind of coach. It's just 591 00:29:11,200 --> 00:29:13,120 Speaker 3: like really like he's got amazing energy and I think 592 00:29:13,120 --> 00:29:16,320 Speaker 3: we could all use that boost. Then after that on Wednesday, 593 00:29:16,400 --> 00:29:18,960 Speaker 3: Dawn she has been my friend for a number of years. 594 00:29:18,960 --> 00:29:21,240 Speaker 3: She's a naturalist down has ms and as a result, 595 00:29:21,520 --> 00:29:26,640 Speaker 3: she's really had to lean in and create natural products 596 00:29:26,680 --> 00:29:29,720 Speaker 3: and certain things for herself to help manage her ms. 597 00:29:29,720 --> 00:29:32,320 Speaker 3: And so she's going to show us with the things 598 00:29:32,320 --> 00:29:35,200 Speaker 3: you have at home, how do you strengthen your immune system, 599 00:29:35,280 --> 00:29:37,800 Speaker 3: like on a budget. So it's like, do you have lines? 600 00:29:38,000 --> 00:29:39,520 Speaker 3: You know you could like squeeze shot a line a 601 00:29:39,520 --> 00:29:42,560 Speaker 3: little bit of honey, Like do you have tumoric did 602 00:29:42,600 --> 00:29:44,440 Speaker 3: you know if you are going to cook with tumoric, 603 00:29:44,440 --> 00:29:46,760 Speaker 3: it's essential that you also add black pepper so it 604 00:29:46,800 --> 00:29:48,800 Speaker 3: helps your body break down the tumork. So these are 605 00:29:48,840 --> 00:29:50,440 Speaker 3: things that you might not know. And I wanted her to, 606 00:29:50,760 --> 00:29:53,920 Speaker 3: you know, because so many of us might eventually get corona, 607 00:29:53,960 --> 00:29:55,800 Speaker 3: but it won't affect us all the same, especially if 608 00:29:55,800 --> 00:29:58,040 Speaker 3: we have a strong immune system. And then let's but 609 00:29:58,160 --> 00:30:00,480 Speaker 3: at least my friend Nicole black And is going to 610 00:30:00,520 --> 00:30:03,560 Speaker 3: teach negotiate your way to lower bills, interest rates, and 611 00:30:03,640 --> 00:30:07,880 Speaker 3: more savings because almost everyone, all your service providers are 612 00:30:07,880 --> 00:30:12,280 Speaker 3: offering some leniency when it comes to your you know 613 00:30:12,320 --> 00:30:14,440 Speaker 3: who you own, how much you own, and so now 614 00:30:14,440 --> 00:30:17,080 Speaker 3: it's time to lean in and negotiate some assistance. And 615 00:30:17,320 --> 00:30:19,640 Speaker 3: she's going to teach that. So I just want to, 616 00:30:19,640 --> 00:30:21,280 Speaker 3: like I said, I want to just thank like the 617 00:30:22,120 --> 00:30:26,240 Speaker 3: financial network that I belong to because everyone has said yes, 618 00:30:26,320 --> 00:30:27,880 Speaker 3: so something fun we're going to do too. And I 619 00:30:28,160 --> 00:30:30,080 Speaker 3: don't know if the word is fun, but I reached 620 00:30:30,080 --> 00:30:34,040 Speaker 3: out to like my Elevate network that's a group of 621 00:30:34,120 --> 00:30:37,640 Speaker 3: US personal finance folks of color, and I say, wouldn't 622 00:30:37,680 --> 00:30:40,080 Speaker 3: it be great if we could each explain what it's 623 00:30:40,080 --> 00:30:43,640 Speaker 3: seemingly like a big financial term in under a minute, 624 00:30:43,760 --> 00:30:46,440 Speaker 3: and we can share the videos like what is quantitative 625 00:30:46,720 --> 00:30:49,760 Speaker 3: quantitative easing? What is the stock market? What is points 626 00:30:49,800 --> 00:30:52,440 Speaker 3: in the Dow Jones? And I so like, I had 627 00:30:52,440 --> 00:30:54,080 Speaker 3: so many people say yeah, I'd love to do that. 628 00:30:54,320 --> 00:30:56,520 Speaker 3: So see, like you know, you'll see those videos soon 629 00:30:56,560 --> 00:30:59,000 Speaker 3: because I feel like sometimes those words just go over 630 00:30:59,040 --> 00:31:00,600 Speaker 3: your head and like what does that mean? Can you 631 00:31:00,640 --> 00:31:03,760 Speaker 3: explain it to me? Like I'm five, and so, like 632 00:31:03,760 --> 00:31:05,280 Speaker 3: I said, so many people say that they would do 633 00:31:05,320 --> 00:31:07,960 Speaker 3: those little clip videos for me, So we'll just see 634 00:31:08,000 --> 00:31:10,800 Speaker 3: them being shared. So lead into your financial educator and 635 00:31:10,840 --> 00:31:13,080 Speaker 3: give them a virtual hug because we try out here 636 00:31:13,080 --> 00:31:14,560 Speaker 3: in these streets to make sure you are. 637 00:31:14,640 --> 00:31:18,440 Speaker 2: Okay and it's fr e for real. 638 00:31:18,640 --> 00:31:20,560 Speaker 3: Like I said, Facebook page, Like I know people are 639 00:31:20,560 --> 00:31:22,800 Speaker 3: like I don't have Facebook, Well says get it for this. 640 00:31:22,880 --> 00:31:25,360 Speaker 2: Wait a second? Who who know a lot of people like. 641 00:31:25,440 --> 00:31:27,560 Speaker 3: You'd be so surprised how many people are like can 642 00:31:27,600 --> 00:31:28,920 Speaker 3: you do this on Instagram? 643 00:31:29,080 --> 00:31:31,960 Speaker 2: It doesn't go out of style? Facebook face go out 644 00:31:31,960 --> 00:31:34,040 Speaker 2: of style? Yeah, I mean it was like, you know, 645 00:31:34,120 --> 00:31:36,640 Speaker 2: they're hacking into our data or whatever and selling. 646 00:31:36,360 --> 00:31:38,200 Speaker 3: It, but they own Instagram. 647 00:31:38,840 --> 00:31:41,600 Speaker 2: They do own Instagram. They don't. They don't try and 648 00:31:41,600 --> 00:31:42,400 Speaker 2: advertise that if you. 649 00:31:42,440 --> 00:31:45,120 Speaker 3: Noticed, I know. But the thing is the reason why 650 00:31:45,120 --> 00:31:47,320 Speaker 3: we do a Facebook is because because of the nature 651 00:31:47,360 --> 00:31:49,320 Speaker 3: of wanting us to do it for free and not 652 00:31:49,760 --> 00:31:52,400 Speaker 3: it not confining you. Because with Instagram, you these lives 653 00:31:52,440 --> 00:31:54,640 Speaker 3: on the last twenty four hours. They might sit in 654 00:31:54,680 --> 00:31:56,960 Speaker 3: the highlights, but it's hard for you to see and 655 00:31:57,480 --> 00:31:59,920 Speaker 3: like for example, like everyone who's teaching, some people might 656 00:31:59,920 --> 00:32:02,000 Speaker 3: have a slide that they want you to see, and 657 00:32:02,080 --> 00:32:04,160 Speaker 3: so it just makes it easier. It makes it really 658 00:32:04,160 --> 00:32:08,000 Speaker 3: easy to make it free on Facebook. So sorry if 659 00:32:08,000 --> 00:32:08,920 Speaker 3: you don't have it, But. 660 00:32:09,480 --> 00:32:11,600 Speaker 2: Well, I did share the link to your Facebook page 661 00:32:11,680 --> 00:32:13,800 Speaker 2: last week when you talked about the courses. But if 662 00:32:13,800 --> 00:32:16,960 Speaker 2: you have like a specific link to a public like 663 00:32:17,080 --> 00:32:19,400 Speaker 2: episode that people can see even if they're not logged in, 664 00:32:20,200 --> 00:32:21,480 Speaker 2: maybe maybe that will work. 665 00:32:21,880 --> 00:32:23,640 Speaker 3: Yeah. I believe so. I believe like the ones that 666 00:32:23,680 --> 00:32:25,840 Speaker 3: are already, like the ones we recorded like two weeks ago, 667 00:32:25,880 --> 00:32:28,680 Speaker 3: I think that those links, if I share them and 668 00:32:28,760 --> 00:32:30,959 Speaker 3: you're not logged in, you can still watch them not 669 00:32:31,000 --> 00:32:31,600 Speaker 3: being logged in. 670 00:32:32,200 --> 00:32:33,760 Speaker 2: Yeah, all right, shoot me the links and I will 671 00:32:33,760 --> 00:32:35,120 Speaker 2: add them to the show notes. 672 00:32:35,240 --> 00:32:37,959 Speaker 3: Awesome. What about you. What are you besting? 673 00:32:38,400 --> 00:32:41,400 Speaker 2: I want to boost big, big, big, big boosts. I 674 00:32:41,440 --> 00:32:43,320 Speaker 2: don't think I've done this yet. To all the parents 675 00:32:43,360 --> 00:32:46,160 Speaker 2: who are at home with the children and having to 676 00:32:46,240 --> 00:32:49,160 Speaker 2: become a nine to five worker plus mom and dad 677 00:32:49,400 --> 00:32:54,880 Speaker 2: mom or dad and juggling schooling, I feel somewhat lucky. 678 00:32:54,960 --> 00:32:58,040 Speaker 2: I mean, the newborn is challenging, but he's not asking 679 00:32:58,040 --> 00:33:00,240 Speaker 2: me a million questions a day and needing my you know, 680 00:33:00,320 --> 00:33:03,760 Speaker 2: undivided attention and trying to jump off coffee tables and 681 00:33:04,160 --> 00:33:06,520 Speaker 2: almost breaking his orbital bone like a friend of mine's 682 00:33:06,520 --> 00:33:09,880 Speaker 2: tolder did the other day. I just major shout out. 683 00:33:10,040 --> 00:33:11,640 Speaker 2: And one of the things I did recently at my 684 00:33:11,720 --> 00:33:15,840 Speaker 2: company was we have a company Slack and I decided 685 00:33:15,880 --> 00:33:18,800 Speaker 2: to start a parent Slack channel just because it felt 686 00:33:18,800 --> 00:33:21,520 Speaker 2: like one I'm a new parent, and I wasn't sure 687 00:33:21,560 --> 00:33:24,160 Speaker 2: who else at the company were parents, and I was like, 688 00:33:24,520 --> 00:33:26,760 Speaker 2: this is a crazy, freaking time for us, and we 689 00:33:26,880 --> 00:33:29,440 Speaker 2: need to acknowledge that it's crazy. So started a parent 690 00:33:29,560 --> 00:33:31,880 Speaker 2: Slack channel and it's been really fun and people are 691 00:33:31,920 --> 00:33:34,680 Speaker 2: sharing just you know, notes about how they're setting up 692 00:33:34,720 --> 00:33:36,640 Speaker 2: tents in the living room for their kids and how 693 00:33:36,680 --> 00:33:39,720 Speaker 2: they're getting online courses for free from this website or 694 00:33:39,720 --> 00:33:42,960 Speaker 2: that website. So just a shout out and give yourselves 695 00:33:43,080 --> 00:33:45,720 Speaker 2: a pat on the back if you're a parent and 696 00:33:45,760 --> 00:33:49,560 Speaker 2: you are juggling at all, and give yourself grace. We 697 00:33:49,680 --> 00:33:51,560 Speaker 2: just can't do. Like I'm going to be the first 698 00:33:51,600 --> 00:33:53,720 Speaker 2: to admit I am not as effective at my job 699 00:33:53,760 --> 00:33:55,760 Speaker 2: as I was a month ago. When I could go 700 00:33:55,800 --> 00:34:00,560 Speaker 2: to an office and work undividedly, undivided attention all day. 701 00:34:00,600 --> 00:34:02,320 Speaker 2: You just you can't do it all. So you just 702 00:34:02,360 --> 00:34:05,160 Speaker 2: we have to make peace with imperfection right now. And 703 00:34:06,840 --> 00:34:08,560 Speaker 2: speaking of a baby, was that a baby in the 704 00:34:08,600 --> 00:34:09,680 Speaker 2: background there? 705 00:34:11,200 --> 00:34:13,919 Speaker 3: My my? What'sile? Call him? My TV? 706 00:34:14,000 --> 00:34:16,080 Speaker 2: And it was like, shut up, oh god, that's like 707 00:34:16,120 --> 00:34:18,160 Speaker 2: what at night after when I put the baby down 708 00:34:18,200 --> 00:34:20,680 Speaker 2: finally and my husband starts watching videos of him and 709 00:34:20,680 --> 00:34:23,359 Speaker 2: I'm like, the baby's crying. He's like, chill out. I'm 710 00:34:23,400 --> 00:34:25,319 Speaker 2: just watching this video. And I'm like, you can't do 711 00:34:25,400 --> 00:34:28,359 Speaker 2: that all right anyway, So shout out to parents, and 712 00:34:28,400 --> 00:34:32,720 Speaker 2: then a quick shout out to me because we started 713 00:34:32,760 --> 00:34:38,080 Speaker 2: sleep training. This we do and mama is finally getting 714 00:34:38,080 --> 00:34:41,200 Speaker 2: her groove back. I cannot People are like, oh, you know, 715 00:34:41,400 --> 00:34:42,040 Speaker 2: letting them cry. 716 00:34:42,080 --> 00:34:42,359 Speaker 1: It out. 717 00:34:42,440 --> 00:34:44,040 Speaker 2: I don't want to hear your opinions, by the way, 718 00:34:44,080 --> 00:34:46,640 Speaker 2: because I stopped carrying what anyone else does with their 719 00:34:46,719 --> 00:34:49,520 Speaker 2: kid six to eight weeks ago, and it changed my 720 00:34:49,600 --> 00:34:52,759 Speaker 2: life entirely because my kid ain't your kid, so you know, 721 00:34:52,960 --> 00:34:55,759 Speaker 2: do your own thing. That's fine. My kid. I knew 722 00:34:55,760 --> 00:34:57,520 Speaker 2: he could fall asleep on his own. He just had 723 00:34:57,560 --> 00:34:59,680 Speaker 2: to be given the opportunity. As how I looked at 724 00:34:59,719 --> 00:35:03,120 Speaker 2: it and I sat it was just like, I mean 725 00:35:03,400 --> 00:35:05,480 Speaker 2: literally would have taken me an hour in the past, 726 00:35:05,560 --> 00:35:08,160 Speaker 2: just sitting there rocking and boob and rocking and boob 727 00:35:08,200 --> 00:35:10,959 Speaker 2: and white noise and whatever. I just put him down. 728 00:35:11,360 --> 00:35:14,000 Speaker 2: I walked away. I had a big bagglass of wine. 729 00:35:14,239 --> 00:35:16,520 Speaker 2: He cried for about thirty minutes and that was that. 730 00:35:17,040 --> 00:35:19,480 Speaker 2: And the next night it was twenty five minutes. And tonight, 731 00:35:19,680 --> 00:35:22,799 Speaker 2: let's hope it'll be twenty. But I have gotten more 732 00:35:22,880 --> 00:35:25,440 Speaker 2: sleep in the past four days, and I feel like 733 00:35:25,520 --> 00:35:28,880 Speaker 2: myself almost again. And in these crazy times, I just 734 00:35:28,920 --> 00:35:33,359 Speaker 2: wanted to say, yes, I'm getting my group back, I'm 735 00:35:33,360 --> 00:35:37,200 Speaker 2: cooking again, I have I'm not dead by seven pm anymore. 736 00:35:37,560 --> 00:35:39,560 Speaker 2: I mean, knock on wood, because who knows what tonight 737 00:35:39,600 --> 00:35:42,880 Speaker 2: will bring. But it's going great, and I just really 738 00:35:42,880 --> 00:35:46,040 Speaker 2: feel like, finally I have stopped, like I said, caring 739 00:35:46,440 --> 00:35:48,839 Speaker 2: what other people do and just doing what my kid 740 00:35:48,880 --> 00:35:51,160 Speaker 2: and I like. We just talk. I'm like, Rio, what 741 00:35:51,200 --> 00:35:51,640 Speaker 2: do you need? 742 00:35:51,760 --> 00:35:52,000 Speaker 3: Rio? 743 00:35:52,400 --> 00:35:54,239 Speaker 2: Tonight is a night you're going to sleep on your own? 744 00:35:54,239 --> 00:35:57,600 Speaker 2: He's like, cool, Mom, I got this. And it's me 745 00:35:57,719 --> 00:35:59,680 Speaker 2: and him, y'all. It's me and him. We're working on 746 00:35:59,680 --> 00:36:03,440 Speaker 2: it's a and yes. So I am very happy, very 747 00:36:03,520 --> 00:36:06,879 Speaker 2: very happy right now. And I mean I can't stop 748 00:36:06,920 --> 00:36:09,400 Speaker 2: talking because I have energy now like in the past 749 00:36:09,400 --> 00:36:11,600 Speaker 2: to be like Tiffany, can we stop the show at 750 00:36:11,640 --> 00:36:14,360 Speaker 2: forty minutes? Because I can't. I can't go on any longer. 751 00:36:14,400 --> 00:36:16,359 Speaker 3: But you know what, because how old is Rio now? 752 00:36:16,760 --> 00:36:18,160 Speaker 2: He's four and a half months. 753 00:36:18,239 --> 00:36:22,400 Speaker 3: Honestly, every new mom that I know will say, like, 754 00:36:23,120 --> 00:36:27,320 Speaker 3: you know, until about four months, you're like, who am I? 755 00:36:27,320 --> 00:36:30,000 Speaker 3: I'm in the desert alone, So that sounds about right 756 00:36:30,080 --> 00:36:32,359 Speaker 3: that about three or four months you start to see 757 00:36:32,360 --> 00:36:34,840 Speaker 3: your way out. You're like, Okay, I'm wandering out of 758 00:36:34,840 --> 00:36:35,600 Speaker 3: the wilderness. 759 00:36:35,880 --> 00:36:38,239 Speaker 2: So they might stop wearing maternity tights because I don't 760 00:36:38,239 --> 00:36:40,360 Speaker 2: have to, but they comfy, but they have like holes 761 00:36:40,360 --> 00:36:42,200 Speaker 2: in them, so I might like actually shop and get 762 00:36:42,200 --> 00:36:44,280 Speaker 2: some new clothes. This steels good. 763 00:36:44,400 --> 00:36:46,880 Speaker 3: Yeah, that's awesome. And he is so adorable. I'm like, 764 00:36:46,880 --> 00:36:49,120 Speaker 3: how is it possible? He's getting cutter every day whenever 765 00:36:49,120 --> 00:36:51,160 Speaker 3: you post him. And poor Molly. I was like, if 766 00:36:51,200 --> 00:36:52,640 Speaker 3: you don't leave my friend alone, she didn't mean to 767 00:36:52,680 --> 00:36:55,120 Speaker 3: do that to that basket. If you don't follow up 768 00:36:55,160 --> 00:36:57,279 Speaker 3: Mandy on ig, you need to. I just be all 769 00:36:57,320 --> 00:36:59,000 Speaker 3: in it, like, leave my Molly alone. 770 00:36:59,040 --> 00:37:03,160 Speaker 2: She didn't mean it. Mollie is so confused. I think 771 00:37:03,200 --> 00:37:05,319 Speaker 2: all the pets are like, why are you home? What's 772 00:37:05,360 --> 00:37:08,040 Speaker 2: going on? Where's my mean time? Everyone's on the couch, 773 00:37:08,160 --> 00:37:10,680 Speaker 2: there's a spot for me. And this baby is crying 774 00:37:10,719 --> 00:37:12,880 Speaker 2: all day? Can you guys go back to work? What's happening? 775 00:37:13,000 --> 00:37:15,080 Speaker 2: Mollie is definitely feeling the anxiety. 776 00:37:15,880 --> 00:37:19,120 Speaker 3: Yeah yeah, her little face too. She looks so guilty. 777 00:37:19,160 --> 00:37:20,520 Speaker 3: She was like, and then I had enough to pick 778 00:37:20,560 --> 00:37:21,840 Speaker 3: it back up, like ooh thanks. 779 00:37:21,760 --> 00:37:25,240 Speaker 2: Yeah, when we catch her. It's so funny. She never choose, 780 00:37:25,360 --> 00:37:28,040 Speaker 2: but she's only started to chew on random things, like recently, 781 00:37:28,080 --> 00:37:30,120 Speaker 2: she loves to chew on toys, but not anything else. 782 00:37:30,200 --> 00:37:32,919 Speaker 2: I thought I was always so lucky, but when we do. 783 00:37:32,960 --> 00:37:35,120 Speaker 2: The rare occasion find she's chewed something. 784 00:37:35,480 --> 00:37:37,200 Speaker 3: She is so funny and. 785 00:37:37,040 --> 00:37:39,520 Speaker 2: How she reacts and she'll growl at you like she's like, 786 00:37:39,960 --> 00:37:41,600 Speaker 2: you know, like I could just hear her being like, 787 00:37:41,600 --> 00:37:44,200 Speaker 2: I'm really really sorry, and also get out of my face. 788 00:37:46,120 --> 00:37:50,240 Speaker 3: Yeah, oh yeah. So there's light. There's little little delights 789 00:37:50,280 --> 00:37:51,480 Speaker 3: like that that we have to lean into. 790 00:37:51,960 --> 00:37:54,719 Speaker 2: Have to laugh, laugh, laugh, laugh at anything that makes 791 00:37:54,760 --> 00:37:57,759 Speaker 2: you laugh. Just whatever. Don't know, there's nothing to feel 792 00:37:57,760 --> 00:37:59,960 Speaker 2: guilty about these days. Do whatever you can to survive 793 00:38:00,040 --> 00:38:02,719 Speaker 2: ive and to feel good, you know, as long as 794 00:38:02,760 --> 00:38:07,759 Speaker 2: it's legal. Don't come and say, Brandon Bischen told me 795 00:38:07,920 --> 00:38:11,959 Speaker 2: to go rob a liquor store because I wanted something. 796 00:38:12,040 --> 00:38:16,120 Speaker 2: It felt really good. All right, Well, take care, Tiff, 797 00:38:16,200 --> 00:38:17,719 Speaker 2: be well, are you too? 798 00:38:18,960 --> 00:38:19,319 Speaker 3: All right? 799 00:38:19,520 --> 00:38:20,600 Speaker 2: See y'all next week