WEBVTT - Ep 340: Mandi's $1.2 Million Tip

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<v Speaker 1>Hey, Hey, Hey, we're bad. Oh we're but blah black.

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<v Speaker 1>It's the New Year brand edition.

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<v Speaker 2>Hey, you're just showing off with all the vocal cord

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<v Speaker 2>strength that you have. You're giving me like Billie Holiday vibrato.

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<v Speaker 2>This is not nice to do that to me when

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<v Speaker 2>I can't join it.

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<v Speaker 1>Well, this is past Mandy and Tiffany, because we're taking

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<v Speaker 1>December and although I know you're listening, this is the

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<v Speaker 1>first show of the New Year, but you know we're

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<v Speaker 1>I'm in Kenya.

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<v Speaker 3>Ooh, I'm in Kenya, Mandy. What you're doing?

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<v Speaker 2>I am surrounded by toys that I still have to

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<v Speaker 2>put together, and wrapping paper is coming out of my eyeballs,

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<v Speaker 2>and I'm in Atlanta, Georgia with my family for the

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<v Speaker 2>New Year.

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<v Speaker 3>Yes, so that's what we will be by the time

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<v Speaker 3>this years.

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<v Speaker 1>But we wanted to, like, you know, we don't want

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<v Speaker 1>to leave y'all, you know, alone on New Year's so

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<v Speaker 1>we figure this will tape us special New Year I'm

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<v Speaker 1>So Black New Years with the Ass, which we tap

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<v Speaker 1>a special New Year episode to just talk about some

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<v Speaker 1>of our financial goals, business goals, credit goal, you know,

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<v Speaker 1>like just I think this episode should really just be

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<v Speaker 1>about kind of like forecasting what we'd like to see

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<v Speaker 1>for the new year, and we would love if you

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<v Speaker 1>guys share back with us, you know what you'd like,

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<v Speaker 1>and then you know, maybe we could revisit at the

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<v Speaker 1>end of the year see how far we've come.

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<v Speaker 2>Oh my goodness. Yeah, I mean I feel like for

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<v Speaker 2>me to move forward, I need to like look back

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<v Speaker 2>at where I went this year. It's actually really helpful

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<v Speaker 2>for like high achievers like us. Sometimes you're so busy

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<v Speaker 2>achieving the stuff and doing the things that you just

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<v Speaker 2>aren't so good at, Like, like my therapist is constantly like,

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<v Speaker 2>do you feel it what you're saying you did? Do

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<v Speaker 2>you feel that you did it? And sometimes the answer

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<v Speaker 2>is no, like I don't actually doesn't sync in and

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<v Speaker 2>you don't like appreciate it, which can be really damaging

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<v Speaker 2>because then you end up feeling like you have to

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<v Speaker 2>keep striving and keep doing more, and then you get

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<v Speaker 2>to be burnt out. But if I can look back

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<v Speaker 2>at twenty twenty two, for my business, my Mandy money Makers,

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<v Speaker 2>this time last year did not exist yet. I had

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<v Speaker 2>just gotten sign ups, like I had just announced enrollment,

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<v Speaker 2>and it blows my mind that this thing did not

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<v Speaker 2>even exist, but because of the faith of the women

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<v Speaker 2>in my community, like signing up like this has become

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<v Speaker 2>the cornerstone of my business, and it was my goal

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<v Speaker 2>to become business independent, where I was relying less on

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<v Speaker 2>influencer stuff and like consulting. I had been doing consulting

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<v Speaker 2>to kind of bankroll myself early on, as I was

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<v Speaker 2>doing free career coaching and stuff just playing. And so

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<v Speaker 2>I'm really proud that now Mandy money Makers has become

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<v Speaker 2>such a big part of my business and it has

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<v Speaker 2>gone through. I didn't wait till it was perfect. I

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<v Speaker 2>have iterated and changed it and iterated and changed it

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<v Speaker 2>up until moving to an on demand version as in

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<v Speaker 2>just this past September relaunching. So I'm really proud of that.

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<v Speaker 2>And as far as Mandy money Makers goes, thank you.

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<v Speaker 2>As far as Many money Makers goes, in twenty twenty three,

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<v Speaker 2>I want to be able to say that Mandy money

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<v Speaker 2>Makers have earned collectively like a million more dollars through

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<v Speaker 2>the power of negotiating and quitting their way rich. So

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<v Speaker 2>I'm working on a process so that I can start

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<v Speaker 2>tracking that so that we can celebrate the growth, because

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<v Speaker 2>that's what my vision was for Mandy money Makers is like,

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<v Speaker 2>there's going to be this force of women, women of color,

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<v Speaker 2>especially who are out here in the world and no

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<v Speaker 2>one's going to see him common but we're speaking up

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<v Speaker 2>on everybody. We're negotiating like badasses, feeling we're able to

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<v Speaker 2>walk away from bad situations and get better opportunities and

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<v Speaker 2>earn more money. And I just want there to be

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<v Speaker 2>this movement of us not waiting around for pay equity,

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<v Speaker 2>for taps on the shoulder, for new opportunities, and just

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<v Speaker 2>seizing them for ourselves. And I'm very proud of that.

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<v Speaker 2>So that's one of my big business goals for twenty

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<v Speaker 2>twenty three, right, so I'll do a business going to

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<v Speaker 2>myself regularly would be nice.

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<v Speaker 3>So last year it was an interesting year because.

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<v Speaker 1>I closed I mean, was it last year? I think, yeah.

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<v Speaker 1>I closed one of my businesses down. I had a

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<v Speaker 1>marketing company and it just although I'm not gonna lie,

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<v Speaker 1>you know, like profits were good when we had them,

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<v Speaker 1>I just I just couldn't spread myself anymore thin.

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<v Speaker 3>I just so I closed that business down.

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<v Speaker 1>Plus two after Drill passed away, I was just like an,

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<v Speaker 1>I don't want to do it. Also, last year, my

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<v Speaker 1>online school. Well, this past year, my online school did okay,

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<v Speaker 1>not as good as like our peak when we've made

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<v Speaker 1>like ten million dollars in a year. We've made about

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<v Speaker 1>like half that. You know, it was like it definitely

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<v Speaker 1>limped along a little bit because.

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<v Speaker 3>This is the year.

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<v Speaker 1>I also stepped down as CEO, and so the new

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<v Speaker 1>CEO has had a huge learning curve. But I'm proud

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<v Speaker 1>to say, you know, we more than broke even. It's

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<v Speaker 1>not we weren't profitable. We just weren't as profitable as

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<v Speaker 1>we normally are. So you know, we didn't have to

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<v Speaker 1>dip into emergency savings. Everybody got paid, everbody got their bonuses,

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<v Speaker 1>all the things. It's just wasn't that when I was

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<v Speaker 1>running it. You know, it wasn't as profitable. We didn't

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<v Speaker 1>make as much. But I mean, honestly, I know, on

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<v Speaker 1>the surface I could tell for the CEO, she was like, oh,

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<v Speaker 1>I'm a girl, I had fifteen years in the game.

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<v Speaker 1>The fact that your first year in under duress you

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<v Speaker 1>were able to do this is tremendous. So shout out

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<v Speaker 1>to Tam she was awesome. And then but the Budgeanisa

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<v Speaker 1>was the surprise sleeper. Cis woke all the way up

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<v Speaker 1>because for the last six years, I really did the

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<v Speaker 1>Budgetista in my spare time.

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<v Speaker 3>Basically, I know, it didn't seem like it, but I did.

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<v Speaker 1>I was really focused on my online school because it

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<v Speaker 1>took a lot. We had, like at our peak, like

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<v Speaker 1>thirty employees, so I was really running that business. And

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<v Speaker 1>so I just like, you know, when Budgeanessa things came up,

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<v Speaker 1>I would do them. But you know, I wasn't you know,

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<v Speaker 1>the Budgeanisa. People would be shocked that it was in

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<v Speaker 1>comparison to what it made to the Academy, it didn't

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<v Speaker 1>make much, you know, because I just was like anything

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<v Speaker 1>that just randomly came in, sure, you know, but it

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<v Speaker 1>didn't have a business model, didn't have. But this year,

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<v Speaker 1>because I stepped away from the Academy, I've been able

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<v Speaker 1>to focus on the Budgetista, which I love, you know,

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<v Speaker 1>that's always my first love.

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<v Speaker 3>And it's done really well, you know.

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<v Speaker 1>And I remember I was talking to Angelie, my financial advisor,

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<v Speaker 1>and I was like, oh, the Budgetista's doing really well,

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<v Speaker 1>you know, comparison to the year before, Like it's always

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<v Speaker 1>been profitable, but it's made like twice as much. And

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<v Speaker 1>she was like, yeah, cause you're there, and it took

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<v Speaker 1>me a while for like, honestly, Mandy, it still has

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<v Speaker 1>not sunk in that saw sold separately that I bring

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<v Speaker 1>the sauce. I don't know, it's not clearly after fifteen

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<v Speaker 1>years that it's like, oh wow, when I left here

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<v Speaker 1>this didn't do as well?

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<v Speaker 3>Yeah, girl, because you're not there when I came here,

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<v Speaker 3>this well.

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<v Speaker 1>Yes. So the Bugana it's like Tiffany, it's you like

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<v Speaker 1>you do well because it's you.

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<v Speaker 3>Wherever you go, there you are. And so I was

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<v Speaker 3>just like okay, and.

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<v Speaker 1>So you know, all in all, honestly, it was a

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<v Speaker 1>good year, like as far as like if you look

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<v Speaker 1>at like I guess balance sheets and whatever, certainly there

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<v Speaker 1>was like you know, there's a lot of rockiness and

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<v Speaker 1>like navigating what does it look like to take a

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<v Speaker 1>step back because at you know, one point, I just

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<v Speaker 1>was not emotionally physically capable of showing up in any

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<v Speaker 1>way buzzernsa or otherwise. So despite like you know, me

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<v Speaker 1>not being here half the year, like I said, the

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<v Speaker 1>Budgetisa has done well. So my goal for Budgetista in

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<v Speaker 1>twenty twenty three is it's not even necessarily to make

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<v Speaker 1>more money. It's not we have like some revenue goals whatever,

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<v Speaker 1>but we've done like the Budgetisa, the our margins are

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<v Speaker 1>so good. I mean some months we're eighty percent profit

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<v Speaker 1>just because it's like, if I speak for the thing,

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<v Speaker 1>I don't have to fly myself out on a play

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<v Speaker 1>for a hotel. I don't have to like you know

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<v Speaker 1>what I mean, it's like pure profit typically, so which

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<v Speaker 1>is not good.

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<v Speaker 3>I'm not gonna lie.

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<v Speaker 1>Eighty percent profit sounds great, but it's not good for

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<v Speaker 1>business because then that means you just pay all these taxes.

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<v Speaker 3>So, but my goal for Budgetista is.

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<v Speaker 1>To continue to be profitable, to stay small, cause I

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<v Speaker 1>don't want that thirty person business again. I want to

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<v Speaker 1>ask myself to stay small and to get really and

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<v Speaker 1>to really hammer down what we're in the business of,

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<v Speaker 1>which is community and content. And so now we've monetized

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<v Speaker 1>the blog, we're monetizing the community and just like being

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<v Speaker 1>more intentional with that. And so that's really like my goal.

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<v Speaker 1>My business goal is to stay small. You know, let

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<v Speaker 1>the revenue do what is going to do, which is great.

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<v Speaker 1>It's like you know, I've already locked in, which is

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<v Speaker 1>so great. Oh, I got a money. I'm a Mandy

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<v Speaker 1>money maker, and I have a testimony, Mandy. Mandy, Yes, girl,

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<v Speaker 1>so really a huge testimony, a seven figure testimony as

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<v Speaker 1>a result of Mandy So yes, I didn't even tell

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<v Speaker 1>like Mandy's look look at like, wait, I didn't even

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<v Speaker 1>tell Mandy this because I just found this out like

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<v Speaker 1>less than like maybe a few days ago. So one

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<v Speaker 1>of the things I said for Bunjeaniste, I was like, Okay,

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<v Speaker 1>I'm raising my rates. And remember we had the hot

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<v Speaker 1>seat where I asked you questions and I wanted to

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<v Speaker 1>get better at negotiating, so I asked Mandy, I said,

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<v Speaker 1>I'm raising my rates. I'm basically doubling them because the

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<v Speaker 1>Netflix came out and you know who does that, and

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<v Speaker 1>so as a result, you know, people got to pay more.

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<v Speaker 1>And you gave me one of the best piece of

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<v Speaker 1>advice that I've ever gotten when it comes to negotiating

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<v Speaker 1>for real, Mandy said, because Mandy, you have to understand,

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<v Speaker 1>has also been on the brand side of like she's

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<v Speaker 1>on the other side with me, the influencers over here

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<v Speaker 1>here getting sign but Mandy's been on the brand side

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<v Speaker 1>way longer than the influencer side. So she was like,

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<v Speaker 1>I'm letting you know as someone who's been on the

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<v Speaker 1>brand side Q four, we're getting our coins together for

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<v Speaker 1>Q for next year, and that if you're going to

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<v Speaker 1>raise rates so dramatically, which is your right you deserve,

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<v Speaker 1>you should hit up everyone you've worked with and say,

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<v Speaker 1>justin fhy this how was looking for twenty twenty three,

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<v Speaker 1>because when you don't want them to do is lock

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<v Speaker 1>in their budget and then being like, wait, what but

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<v Speaker 1>you were fifty last year, you're a hundred. Had I

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<v Speaker 1>known and I was like I was nervous to do that,

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<v Speaker 1>and you were like, drew it. And so I put

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<v Speaker 1>together the new media Kid with all the new numbers

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<v Speaker 1>and my new rates. Anybody that's reached out, anybody that

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<v Speaker 1>we work with, please circulate it.

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<v Speaker 3>Do you know girl? That for twenty twenty three.

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<v Speaker 1>There was pushback at first, like but already for twenty

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<v Speaker 1>twenty three, I have locked in one point two million

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<v Speaker 1>dollars for the business because of that, Mandy, Yes, that move,

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<v Speaker 1>And honestly I have never locked in business before.

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<v Speaker 3>Yes, literally, like be talking over here on the Yes.

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<v Speaker 1>Literally, I literally don't know what the years because typically

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<v Speaker 1>what it looks like is that people come to me,

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<v Speaker 1>I want to work with you.

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<v Speaker 3>This is how much it costs.

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<v Speaker 1>I have never pre locked in business a year before

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<v Speaker 1>like this before. I was like, so when my CFO she'

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<v Speaker 1>said I have some amazing news for you, I was like, okay, she'said,

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<v Speaker 1>we have one point two million dollars in business.

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<v Speaker 3>I was like, for the year. She's like, no, girls

0:10:42.040 --> 0:10:44.199
<v Speaker 3>from that, she's said for twenty twenty three. I said,

0:10:44.200 --> 0:10:44.920
<v Speaker 3>I don't understand.

0:10:45.520 --> 0:10:47.680
<v Speaker 1>I don't cause it was a foreign concept to have

0:10:47.880 --> 0:10:50.520
<v Speaker 1>pre money paid out, not paid out, but you know, pending.

0:10:50.880 --> 0:10:54.160
<v Speaker 1>And she was like no, because you know, you circulated

0:10:54.160 --> 0:10:57.120
<v Speaker 1>your new raids. Although there was initial shock, people got

0:10:57.160 --> 0:10:59.319
<v Speaker 1>their feet together and their money together and said we

0:10:59.360 --> 0:11:02.040
<v Speaker 1>want to locked it and now for next year. It's like,

0:11:02.640 --> 0:11:04.959
<v Speaker 1>so what I say if you are not invested, if

0:11:05.000 --> 0:11:08.240
<v Speaker 1>Mandy money maker, Mandy just helped me make one point

0:11:08.320 --> 0:11:11.880
<v Speaker 1>two million, that was high it bitiness, you know, for real.

0:11:11.760 --> 0:11:13.440
<v Speaker 2>That's a real testimony. I forgot never I don't even

0:11:13.440 --> 0:11:16.520
<v Speaker 2>know I forgot. Did you get my contract where I

0:11:16.559 --> 0:11:20.319
<v Speaker 2>said I get fifteen percent but it did not come

0:11:20.360 --> 0:11:24.760
<v Speaker 2>through all send another podia. No, that's amazing, and it

0:11:24.840 --> 0:11:26.800
<v Speaker 2>also it doesn't just it's not just the fact that

0:11:27.080 --> 0:11:30.120
<v Speaker 2>like strategically, it's the right time for their budgets. It

0:11:30.280 --> 0:11:33.679
<v Speaker 2>also give gives this perception, which is true, that you're

0:11:33.679 --> 0:11:36.520
<v Speaker 2>a hot commodity and if they don't, like, you know,

0:11:36.840 --> 0:11:40.079
<v Speaker 2>book you while they can and make sure they can

0:11:40.080 --> 0:11:42.720
<v Speaker 2>book you, that you will be booked by someone else.

0:11:42.760 --> 0:11:46.520
<v Speaker 2>So I am that's fantastic, girl. Yes, I want to

0:11:46.520 --> 0:11:47.479
<v Speaker 2>do that for myself.

0:11:47.679 --> 0:11:50.840
<v Speaker 1>Yeah. No, And you know what so crazy is that

0:11:51.320 --> 0:11:53.240
<v Speaker 1>so much so to your point, which you just said, Mandy,

0:11:53.280 --> 0:11:55.200
<v Speaker 1>that one of them wants to book me for a

0:11:55.320 --> 0:11:58.800
<v Speaker 1>multi year deal because they're like, oh, this girl about

0:11:58.800 --> 0:11:59.679
<v Speaker 1>to be raising rates.

0:11:59.559 --> 0:12:01.960
<v Speaker 3>Like going to go up next to her too, They're like,

0:12:02.000 --> 0:12:02.520
<v Speaker 3>So I just.

0:12:02.559 --> 0:12:04.400
<v Speaker 1>Was like, I want to tell you, y'all think we'll

0:12:04.440 --> 0:12:07.320
<v Speaker 1>just be playing. I ordered Mandy's you know, negotiation like

0:12:07.400 --> 0:12:10.800
<v Speaker 1>toolkit that so I paid for it, you know, I

0:12:10.960 --> 0:12:13.320
<v Speaker 1>you know, and I you know, thankfully I get to

0:12:13.320 --> 0:12:15.560
<v Speaker 1>talk to Mandy and so like, you know, this is

0:12:15.559 --> 0:12:18.120
<v Speaker 1>her expertise. So I just shared that to say that

0:12:18.120 --> 0:12:20.760
<v Speaker 1>that's you know, the goal for next year. Basically, you know,

0:12:20.920 --> 0:12:22.439
<v Speaker 1>my revenue goes. I know I'm going to hit them

0:12:22.480 --> 0:12:25.840
<v Speaker 1>because we're like more than halfway there. It's really just

0:12:25.880 --> 0:12:29.200
<v Speaker 1>for the business to get really clear on what, like,

0:12:29.240 --> 0:12:32.880
<v Speaker 1>what does the budget need to do? It has a blog, spokesperson,

0:12:33.280 --> 0:12:36.079
<v Speaker 1>speaking books like, you know, getting really clear on the

0:12:36.120 --> 0:12:39.240
<v Speaker 1>business that I'm in and getting rid of the fluff.

0:12:39.520 --> 0:12:42.120
<v Speaker 1>The year for next year is really deep versus wide,

0:12:42.240 --> 0:12:44.719
<v Speaker 1>clearing out all these little small small things. I was doing, like, no, no, no,

0:12:45.000 --> 0:12:47.120
<v Speaker 1>I do these four core things and here's how we

0:12:47.160 --> 0:12:49.600
<v Speaker 1>make money doing so, and so that's like my business

0:12:51.000 --> 0:12:53.560
<v Speaker 1>goal for next year. So yeah, but yeah, I was like,

0:12:54.400 --> 0:12:57.359
<v Speaker 1>what about your personal like, you know, any personal financial

0:12:57.559 --> 0:13:01.400
<v Speaker 1>like business, your personal goals?

0:13:01.960 --> 0:13:04.640
<v Speaker 2>Rebuild my savings. You mentioned how what a heavy saver.

0:13:04.800 --> 0:13:07.240
<v Speaker 2>I was nothing like a couple of years of bootstrap

0:13:07.240 --> 0:13:09.959
<v Speaker 2>in your own business to deplete the savings that you built.

0:13:10.280 --> 0:13:11.880
<v Speaker 2>So one of my well, I guess it's a personal

0:13:11.920 --> 0:13:15.080
<v Speaker 2>financial goal is to rebuild savings, which it looks like

0:13:15.080 --> 0:13:17.440
<v Speaker 2>I'll be on track to do, which is exciting, and

0:13:17.600 --> 0:13:21.400
<v Speaker 2>have this baby and give myself My goal is to

0:13:21.480 --> 0:13:24.280
<v Speaker 2>have be able to spend at least a few months

0:13:25.200 --> 0:13:29.760
<v Speaker 2>without like doing anything major work wise, and have this

0:13:29.800 --> 0:13:32.840
<v Speaker 2>baby and just enjoy it. I was so privileged. I

0:13:32.880 --> 0:13:36.000
<v Speaker 2>look back in hindsight, it was obviously so freaking hard

0:13:36.520 --> 0:13:39.240
<v Speaker 2>to have a newborn during the pandemic, with no help,

0:13:39.400 --> 0:13:43.400
<v Speaker 2>no village, and working full time. But at the same time,

0:13:43.440 --> 0:13:46.160
<v Speaker 2>I was such a part of Rio's early months. I

0:13:46.200 --> 0:13:47.680
<v Speaker 2>mean I'm a part of his every day. You know,

0:13:47.720 --> 0:13:50.559
<v Speaker 2>I've never really been away from him, and I want

0:13:50.600 --> 0:13:52.960
<v Speaker 2>to have that same experience, maybe not with the pandemic

0:13:52.960 --> 0:13:55.400
<v Speaker 2>hanging over my head and with some more you know,

0:13:55.480 --> 0:13:59.720
<v Speaker 2>daycare and nanny support, but just to be really present

0:13:59.840 --> 0:14:03.520
<v Speaker 2>and enjoy number two when they join us the spring

0:14:03.840 --> 0:14:05.240
<v Speaker 2>would be a big goal of mine.

0:14:05.400 --> 0:14:07.679
<v Speaker 1>Okay, before we go any further, we need to take

0:14:07.679 --> 0:14:10.600
<v Speaker 1>a break because this conversation is getting so good and juicy.

0:14:10.840 --> 0:14:11.679
<v Speaker 3>Be back in a moment.

0:14:13.679 --> 0:14:19.960
<v Speaker 1>My goal is do less. Well, when I say do less,

0:14:20.120 --> 0:14:23.160
<v Speaker 1>do less what I'm obligated to do. You know, Like

0:14:23.200 --> 0:14:26.320
<v Speaker 1>I'm taking all of month March off. I'm taking all

0:14:26.360 --> 0:14:32.080
<v Speaker 1>of March. What I say, March, August and December, and

0:14:32.160 --> 0:14:36.280
<v Speaker 1>so I'm taking those months off to I might go

0:14:36.320 --> 0:14:37.840
<v Speaker 1>somewhere I might not. Well, that's not true. So I

0:14:37.840 --> 0:14:41.120
<v Speaker 1>am like in March, I already booked Egypt, so I'll

0:14:41.160 --> 0:14:43.720
<v Speaker 1>be going on plan not for the whole month, but

0:14:44.240 --> 0:14:49.200
<v Speaker 1>you know, but I'm wanting to my biggest personal goal.

0:14:49.280 --> 0:14:51.280
<v Speaker 3>As related to like business and stuff like that, is to.

0:14:52.240 --> 0:14:56.280
<v Speaker 1>Like really get clear on living as Tiffany and forcing

0:14:56.280 --> 0:14:58.640
<v Speaker 1>the budget and stuff to fit around it. Because for

0:14:58.680 --> 0:15:00.880
<v Speaker 1>the last fifteen years I've lived as the Budgetnissa, and

0:15:00.920 --> 0:15:02.800
<v Speaker 1>Tiffany has fit around you know.

0:15:03.400 --> 0:15:04.400
<v Speaker 3>You know that, And I'm.

0:15:04.240 --> 0:15:06.520
<v Speaker 1>Just like, yeah, which there's nothing wrong with that, you know,

0:15:06.880 --> 0:15:09.720
<v Speaker 1>at that stage. I don't begrudge that because I'm just like,

0:15:09.760 --> 0:15:11.400
<v Speaker 1>it brought me here, you know, where I don't have

0:15:11.440 --> 0:15:12.680
<v Speaker 1>to workout. I don't want to where I live off

0:15:12.680 --> 0:15:14.280
<v Speaker 1>ten percent of when I make and I get to travel.

0:15:14.280 --> 0:15:17.760
<v Speaker 1>So I'm not mad at that, but I'm beyond that.

0:15:17.840 --> 0:15:20.720
<v Speaker 1>I have passed that, and I stayed longer than probably

0:15:20.720 --> 0:15:23.360
<v Speaker 1>I should have in that space. You know, Like I

0:15:23.360 --> 0:15:25.520
<v Speaker 1>always tell Logan, my content manager, why are we in

0:15:25.600 --> 0:15:29.400
<v Speaker 1>launch mode if we're not launching? You know, like sometimes

0:15:29.440 --> 0:15:32.040
<v Speaker 1>you scramble, It's like yeah, but like or like when

0:15:32.040 --> 0:15:34.840
<v Speaker 1>you're a rush to get home, okay, is the dog

0:15:34.920 --> 0:15:37.120
<v Speaker 1>not fed? Like? You know, I can understand you're rushing

0:15:37.160 --> 0:15:38.720
<v Speaker 1>cause you're late for work, but you're not rushing because

0:15:38.720 --> 0:15:39.440
<v Speaker 1>you're late for home.

0:15:39.640 --> 0:15:40.560
<v Speaker 3>We signed traffic.

0:15:40.840 --> 0:15:43.560
<v Speaker 1>So I'm learning to be like I'm no longer rushing,

0:15:43.960 --> 0:15:46.440
<v Speaker 1>I'm no longer having to make a certain amount of money.

0:15:46.640 --> 0:15:49.120
<v Speaker 1>My life, my fancy life, costs me one hundred and

0:15:49.120 --> 0:15:50.920
<v Speaker 1>fifty thousand dollars a year, and that's super fancy.

0:15:50.960 --> 0:15:53.320
<v Speaker 3>That's that's vacations on vacations of vacations.

0:15:53.680 --> 0:15:56.760
<v Speaker 1>My regular like life costs me under one hundred thousand

0:15:56.800 --> 0:15:58.520
<v Speaker 1>dollars a year because I don't have a mortgage, I

0:15:58.560 --> 0:16:00.720
<v Speaker 1>don't have a car. No, I don't, so so meaning

0:16:00.760 --> 0:16:03.840
<v Speaker 1>that like I you know, that's less than ten percent

0:16:03.880 --> 0:16:05.840
<v Speaker 1>of what I make as take home, so I don't

0:16:05.880 --> 0:16:08.560
<v Speaker 1>need to, you know, like I could be a teacher

0:16:08.640 --> 0:16:10.520
<v Speaker 1>and manage the life that I have now. So I'm

0:16:10.600 --> 0:16:12.400
<v Speaker 1>just like, if we're not launching, we're now living and

0:16:12.480 --> 0:16:16.600
<v Speaker 1>launch motivity. So really, for me, it's like not to

0:16:16.640 --> 0:16:18.680
<v Speaker 1>say you won't see me doing like, you know, work,

0:16:19.280 --> 0:16:22.600
<v Speaker 1>but it will only really saving space for the work

0:16:22.640 --> 0:16:25.960
<v Speaker 1>that's aligned since I don't have to make more. I'm

0:16:25.960 --> 0:16:27.560
<v Speaker 1>not it would be great if the budget needs to

0:16:27.560 --> 0:16:29.920
<v Speaker 1>make twenty thirty mili Okay, that's cute, but not if

0:16:29.920 --> 0:16:32.080
<v Speaker 1>it means extra work, because I don't need twenty thirty

0:16:32.120 --> 0:16:34.560
<v Speaker 1>million hours, you know, And so yeah, I just want piece.

0:16:34.600 --> 0:16:37.120
<v Speaker 1>I want I want to alignment. I want to travel

0:16:37.160 --> 0:16:39.600
<v Speaker 1>a bunch, you know, I want to Like, I've been

0:16:39.640 --> 0:16:41.000
<v Speaker 1>spending a lot of time with friends. That's why I

0:16:41.000 --> 0:16:42.640
<v Speaker 1>said many, I'm gonna come see you, because I've been

0:16:42.640 --> 0:16:48.160
<v Speaker 1>making it my really making a concerted effort to spend

0:16:48.160 --> 0:16:50.840
<v Speaker 1>time with people I care about, you know, to sit

0:16:50.880 --> 0:16:53.400
<v Speaker 1>on your cows, to go after it, to eat to.

0:16:53.480 --> 0:16:54.080
<v Speaker 3>You know what I mean.

0:16:54.200 --> 0:16:56.280
<v Speaker 1>Like and so like I've been doing that more and more,

0:16:56.360 --> 0:16:58.240
<v Speaker 1>Like I've seen more friends in the last two or

0:16:58.280 --> 0:17:00.640
<v Speaker 1>three weeks that I have sometimes last two or three

0:17:00.680 --> 0:17:01.880
<v Speaker 1>years of being like no, no.

0:17:01.880 --> 0:17:02.600
<v Speaker 3>I could do lunch.

0:17:03.240 --> 0:17:04.680
<v Speaker 1>Yeah, I come to the city. We can have dinner.

0:17:04.720 --> 0:17:06.520
<v Speaker 1>That was never me before. It's like, ooh, girl, I can't.

0:17:06.600 --> 0:17:08.080
<v Speaker 1>I got to do this, this this, you know.

0:17:09.119 --> 0:17:12.640
<v Speaker 2>It's like yes, but for your friendships and personal.

0:17:12.320 --> 0:17:14.919
<v Speaker 1>Actly and you know, my family and you know, so

0:17:15.040 --> 0:17:18.680
<v Speaker 1>I'm excited about that because honestly, I feel like I

0:17:18.680 --> 0:17:19.760
<v Speaker 1>actually had therapy.

0:17:19.480 --> 0:17:20.800
<v Speaker 3>Today and I was telling doctor Green.

0:17:20.840 --> 0:17:22.159
<v Speaker 1>I was like, no, there's a lot of joy, Like

0:17:22.200 --> 0:17:24.520
<v Speaker 1>you know this time of year, well, yeah, this time

0:17:24.520 --> 0:17:26.919
<v Speaker 1>of year, you know, this holiday slash New York time

0:17:26.920 --> 0:17:29.320
<v Speaker 1>of year, it's certainly there's a lot of like, you know,

0:17:29.400 --> 0:17:32.840
<v Speaker 1>the sads, you know for sure, because I kind of

0:17:32.880 --> 0:17:35.240
<v Speaker 1>feel a little anchorless, you know, because there's so much change,

0:17:35.320 --> 0:17:39.040
<v Speaker 1>but you know, there's still like so much joy. She

0:17:39.080 --> 0:17:41.720
<v Speaker 1>said something, she said, Tiffany, you are surrounded by love,

0:17:41.760 --> 0:17:43.359
<v Speaker 1>and I really am. I did not see this this

0:17:43.400 --> 0:17:46.520
<v Speaker 1>time last year, but I see it very clearly. I

0:17:46.560 --> 0:17:50.280
<v Speaker 1>am literally drowning in love from family, from friends, from.

0:17:50.240 --> 0:17:55.560
<v Speaker 2>Y'all's, Cherro's homegoing is like it sounds messed up, but

0:17:55.640 --> 0:17:58.679
<v Speaker 2>in the I really mean it, Like that's the goal. Yeah,

0:17:58.800 --> 0:18:02.520
<v Speaker 2>that room, like that, the love that I felt in

0:18:02.560 --> 0:18:06.440
<v Speaker 2>that space, I'm just like, it's it's not every day

0:18:06.480 --> 0:18:10.320
<v Speaker 2>you see that sort of like envelopment.

0:18:10.080 --> 0:18:11.359
<v Speaker 3>Completely of love.

0:18:11.960 --> 0:18:14.600
<v Speaker 2>Yeah, it's obviously because you attracted because you are love

0:18:14.640 --> 0:18:17.800
<v Speaker 2>and so was he. But yeah, truly that is like

0:18:17.840 --> 0:18:21.359
<v Speaker 2>what everyone should be striving for. Yeah, and just blooming

0:18:21.080 --> 0:18:22.760
<v Speaker 2>fill room like that was so much love.

0:18:23.080 --> 0:18:23.399
<v Speaker 3>Gerald.

0:18:23.520 --> 0:18:25.200
<v Speaker 1>You know, he wasn't a speaker or teacher or whatever,

0:18:25.240 --> 0:18:27.360
<v Speaker 1>and to see how many people came out for him.

0:18:27.359 --> 0:18:31.480
<v Speaker 1>So yeah, just my personal goal is less really focusing

0:18:31.520 --> 0:18:35.359
<v Speaker 1>on on just like family, friends, you know, doing like

0:18:35.440 --> 0:18:38.800
<v Speaker 1>the professional things that actually bring me joy. Not because

0:18:38.840 --> 0:18:43.160
<v Speaker 1>it necessarily brings money and hopefully getting a fabulous condo.

0:18:43.240 --> 0:18:43.520
<v Speaker 3>I want.

0:18:43.640 --> 0:18:46.000
<v Speaker 1>You know, I've never had a fabulous like like my

0:18:46.040 --> 0:18:49.119
<v Speaker 1>house is beautiful and comfy and cozy, but you know, I.

0:18:49.080 --> 0:18:50.760
<v Speaker 3>Wouldn't say it's fabulous. You know what I mean.

0:18:50.760 --> 0:18:53.640
<v Speaker 1>You walk in, you're like, oh fabulous, honey, Oh it's

0:18:53.720 --> 0:18:57.480
<v Speaker 1>money a here. So I'm like, before I leave this earth,

0:18:57.560 --> 0:19:00.439
<v Speaker 1>I want to have a fabulous hunt like where it's like,

0:19:00.440 --> 0:19:02.840
<v Speaker 1>don't wait the keyed yet exactly.

0:19:02.880 --> 0:19:04.040
<v Speaker 3>Yeah, I leave you kids at home.

0:19:04.320 --> 0:19:06.720
<v Speaker 1>It's a non kid because right now my house is

0:19:06.760 --> 0:19:08.760
<v Speaker 1>so kid friendly. Girl, you can believe you can have

0:19:08.800 --> 0:19:10.159
<v Speaker 1>a preschool up. And this is that because it's so

0:19:10.280 --> 0:19:14.520
<v Speaker 1>like cozy and warm. I'm like, honey, like yeah, so

0:19:14.640 --> 0:19:16.320
<v Speaker 1>I just I'm gonna look, I'm looking forward to twenty

0:19:16.359 --> 0:19:17.879
<v Speaker 1>twenty three. I think it's just really going to be

0:19:17.920 --> 0:19:22.000
<v Speaker 1>like a banner year. We'd love to hear from you guys, like,

0:19:22.040 --> 0:19:24.840
<v Speaker 1>you know, oh, one thing before I forget. I don't

0:19:25.000 --> 0:19:26.800
<v Speaker 1>can't remember when this is airing, But if you haven't already,

0:19:26.800 --> 0:19:30.560
<v Speaker 1>you want to get on financial track. I haven't done

0:19:30.600 --> 0:19:33.119
<v Speaker 1>this so many years, Manny, I'm finally bringing back my

0:19:33.200 --> 0:19:34.200
<v Speaker 1>Literature Challenge.

0:19:34.280 --> 0:19:37.399
<v Speaker 3>The free challenges, yes, and I can do with my

0:19:37.480 --> 0:19:41.200
<v Speaker 3>voice and so totally free three week courses.

0:19:41.240 --> 0:19:42.600
<v Speaker 1>I used to do them every year, but it's been

0:19:42.600 --> 0:19:45.439
<v Speaker 1>like four years since I launched it. Already over two

0:19:45.520 --> 0:19:48.600
<v Speaker 1>hundred thousand people I have signed up. And so when

0:19:48.600 --> 0:19:52.000
<v Speaker 1>you're interested, you know, you go to Live Richer Challenge

0:19:52.119 --> 0:19:54.159
<v Speaker 1>dot com. If you sign up now, you can do

0:19:54.200 --> 0:19:57.920
<v Speaker 1>it collectively with everyone, because what we all doing it together.

0:19:57.960 --> 0:20:01.120
<v Speaker 1>There's like we use this mighty network chat spot where

0:20:01.119 --> 0:20:03.399
<v Speaker 1>we can all like hang out talk every day about

0:20:03.400 --> 0:20:06.000
<v Speaker 1>the challenge and work through the challenges together. But the

0:20:06.040 --> 0:20:08.160
<v Speaker 1>good thing is is that it also be automated later.

0:20:08.320 --> 0:20:09.720
<v Speaker 1>So if you're not ready, you know you want to

0:20:09.720 --> 0:20:12.040
<v Speaker 1>do it in February March, you can still take it again.

0:20:12.119 --> 0:20:14.919
<v Speaker 1>But you know, I just encourage you in January to like,

0:20:15.720 --> 0:20:19.160
<v Speaker 1>you know, get going on your financial goals and making

0:20:19.240 --> 0:20:21.320
<v Speaker 1>it a team sport. And if you don't have support,

0:20:21.560 --> 0:20:23.199
<v Speaker 1>that's why we do it like this. So it's like,

0:20:23.640 --> 0:20:24.120
<v Speaker 1>you know, your.

0:20:24.040 --> 0:20:25.399
<v Speaker 3>Sister and them don't want to do it, that's all right,

0:20:25.440 --> 0:20:27.600
<v Speaker 3>You'll find some sisters in that group. So it's just

0:20:27.800 --> 0:20:30.480
<v Speaker 3>Live a Richer Challenge dot com.

0:20:30.640 --> 0:20:32.840
<v Speaker 2>Man that takes me back to the og budget Theese

0:20:32.840 --> 0:20:37.119
<v Speaker 2>Today's I remember interviewing you on Yahoo about your first

0:20:37.280 --> 0:20:40.400
<v Speaker 2>LRC and then going to that party at Newark. Yeah,

0:20:40.440 --> 0:20:41.960
<v Speaker 2>and to celebrate, and.

0:20:42.040 --> 0:20:43.800
<v Speaker 3>We did the wobble. I remember you were in the story.

0:20:43.840 --> 0:20:45.600
<v Speaker 3>You're like, I've never been to a financial party where

0:20:45.640 --> 0:20:49.480
<v Speaker 3>they did the wobble. Oh it was so good. I

0:20:49.600 --> 0:20:49.919
<v Speaker 3>love it.

0:20:50.119 --> 0:20:53.240
<v Speaker 2>Congrats, that's so exciting. Y'all got to join Liveracher Challenge

0:20:53.280 --> 0:20:56.640
<v Speaker 2>dot com. All right, bye twenty twenty two. It's nice

0:20:56.640 --> 0:21:00.360
<v Speaker 2>seeing you, I know, twenty twenty three. Bring it all right, y'all,

0:21:00.440 --> 0:21:02.760
<v Speaker 2>let us know. Hit us up on Twitter, at the

0:21:02.840 --> 0:21:05.800
<v Speaker 2>VA podcast or at the Budgeonista. I'm at Mandy Woodruff.

0:21:06.600 --> 0:21:08.920
<v Speaker 2>Hit us up and let us know what what you

0:21:09.000 --> 0:21:11.080
<v Speaker 2>loved about twenty twenty two and what you have to

0:21:11.080 --> 0:21:14.240
<v Speaker 2>look forward to in twenty twenty three. Let's keep it positive,

0:21:14.880 --> 0:21:19.920
<v Speaker 2>keep the goals doable, trackable, you know, set realistic goals

0:21:19.920 --> 0:21:22.280
<v Speaker 2>that you can get done. Yeah, let's make it one

0:21:22.320 --> 0:21:24.000
<v Speaker 2>of the Let's make it a great year as best

0:21:24.040 --> 0:21:24.440
<v Speaker 2>we can.

0:21:24.720 --> 0:21:27.480
<v Speaker 3>Yes, bye, y'all, but we'll see you next week.

0:21:27.640 --> 0:21:30.560
<v Speaker 1>Hi, friend, We'll see you that fun and kenya, thank you, right,

0:21:30.680 --> 0:21:31.720
<v Speaker 1>I can't wait right now.

0:21:31.840 --> 0:21:33.359
<v Speaker 3>If you're listening, I'm probably on an elephant.

0:21:33.440 --> 0:21:33.639
<v Speaker 1>You know.

0:21:33.720 --> 0:21:36.639
<v Speaker 3>It's like, no, I hope, I'm going to do Safari.

0:21:36.720 --> 0:21:38.560
<v Speaker 3>I'm definitely going to do Safari. I'm excited.

0:21:40.160 --> 0:21:44.680
<v Speaker 2>Brother just texted me about going on Safari. Yes, that's amazing.

0:21:44.680 --> 0:21:47.320
<v Speaker 2>All right, enjoy, live it up and we'll see y'all

0:21:47.320 --> 0:21:48.280
<v Speaker 2>next year. Bye.

0:21:48.600 --> 0:21:50.600
<v Speaker 3>We'll actually this year because that's what this is here.

0:21:50.680 --> 0:21:55.280
<v Speaker 3>Oh yeah, yeah, that's right. Forgot. This is our past elves. Bye,

0:21:55.280 --> 0:21:56.199
<v Speaker 3>see you next week.

0:21:56.800 --> 0:22:00.480
<v Speaker 4>Bye, hey ba fam. We could not do this without

0:22:00.480 --> 0:22:03.520
<v Speaker 4>your support or the support of our team behind the scenes.

0:22:03.800 --> 0:22:07.440
<v Speaker 4>The Brown Ambission podcast is produced by Cumulus Podcast Network.

0:22:07.480 --> 0:22:11.000
<v Speaker 4>It's edited by the wonderful Imani Crosby and produced by

0:22:11.040 --> 0:22:15.080
<v Speaker 4>Tanya Bustos. Dennis Stimplinsky is our in house tech curu,

0:22:15.200 --> 0:22:17.919
<v Speaker 4>and I am Bandy Windchard Santos your co host, and

0:22:18.040 --> 0:22:19.800
<v Speaker 4>I will see y'all next week.