1 00:00:05,080 --> 00:00:09,479 Speaker 1: Hey va fam, Welcome to Brown Ambition. I hope y'all 2 00:00:09,520 --> 00:00:12,680 Speaker 1: have been doing well. I really got no complaints. I know, 3 00:00:12,720 --> 00:00:14,840 Speaker 1: I usually I'm trying not to complain, but I just 4 00:00:14,840 --> 00:00:17,760 Speaker 1: don't have any. I am in sunny Miami. I am 5 00:00:17,800 --> 00:00:20,480 Speaker 1: in a gorgeous you know, like one of those gorgeous 6 00:00:20,520 --> 00:00:23,400 Speaker 1: like summer vacation move moves that you buy that you 7 00:00:23,480 --> 00:00:26,079 Speaker 1: never get to wear because it's just me. I just 8 00:00:26,079 --> 00:00:28,040 Speaker 1: buy them, and I'm like, why I need to find 9 00:00:28,040 --> 00:00:30,600 Speaker 1: a beach to take this too. But I finally get 10 00:00:30,600 --> 00:00:33,639 Speaker 1: to wear one of my favorite move moves by this 11 00:00:33,840 --> 00:00:37,120 Speaker 1: incredible brand. It's called uh i'm'na mess it up. Dianu 12 00:00:37,240 --> 00:00:41,720 Speaker 1: a cel the most beautiful like printed African pattern swimwear 13 00:00:41,880 --> 00:00:44,600 Speaker 1: and they do all kinds of stuff, So shout out 14 00:00:44,600 --> 00:00:48,640 Speaker 1: to them. But in Miami, my children are at home 15 00:00:50,240 --> 00:00:53,840 Speaker 1: away from me. They're at summer camp and Husban is 16 00:00:53,840 --> 00:00:56,600 Speaker 1: holding it down. And I have been here for a 17 00:00:56,640 --> 00:01:00,120 Speaker 1: couple of days now at a conference, just in one 18 00:01:00,160 --> 00:01:02,240 Speaker 1: of my favorite places to be, which is just like 19 00:01:02,320 --> 00:01:05,680 Speaker 1: surrounded by beautiful women of color all day, every day, 20 00:01:06,360 --> 00:01:08,400 Speaker 1: and there's only one thing better than waking up and 21 00:01:08,440 --> 00:01:10,320 Speaker 1: getting to be a black woman. But getting to wake 22 00:01:10,400 --> 00:01:13,880 Speaker 1: up and be surrounded by us is wow, it is 23 00:01:14,000 --> 00:01:17,560 Speaker 1: Chef's kiss. But in between, I'm still working hard. I 24 00:01:17,600 --> 00:01:19,880 Speaker 1: still got brown ambition. I have all the things to do. 25 00:01:20,560 --> 00:01:22,880 Speaker 1: And I woke up this morning kind of like you know, 26 00:01:22,920 --> 00:01:25,120 Speaker 1: you're in vacation mode. It's first of all, where am I? 27 00:01:25,319 --> 00:01:28,280 Speaker 1: Second of all, this bed is so comfortable. Where can 28 00:01:28,319 --> 00:01:31,400 Speaker 1: I get these sheets from? Third of all, b aqa? 29 00:01:31,840 --> 00:01:34,640 Speaker 1: I don't have one. I was so off my game 30 00:01:34,680 --> 00:01:37,600 Speaker 1: the past couple of weeks that I my schedule got 31 00:01:37,600 --> 00:01:39,600 Speaker 1: off and I realized I don't have I'm not going 32 00:01:39,680 --> 00:01:42,440 Speaker 1: to have a baqa for this Friday. What am I 33 00:01:42,480 --> 00:01:44,720 Speaker 1: going to do? But it just so happened that I 34 00:01:44,720 --> 00:01:48,000 Speaker 1: had been texting with a friend, a friend who I 35 00:01:48,000 --> 00:01:51,480 Speaker 1: don't get to see damn near enough, and I was like, 36 00:01:51,640 --> 00:01:55,720 Speaker 1: gig Gigi the first gen mentor will you please rescue me? 37 00:01:55,840 --> 00:01:59,640 Speaker 1: And come on brown ambition? Completely last minute, and you 38 00:01:59,720 --> 00:02:04,080 Speaker 1: moved across the day of not even day of hours before, 39 00:02:04,200 --> 00:02:06,160 Speaker 1: like a few hours ago. I found out two things. 40 00:02:06,160 --> 00:02:07,760 Speaker 1: I found out you live in Spain. Now you're not 41 00:02:07,800 --> 00:02:10,919 Speaker 1: even in the US anymore, and two that there's a 42 00:02:10,960 --> 00:02:12,640 Speaker 1: reason why you're one of my faves and it's because 43 00:02:12,680 --> 00:02:16,280 Speaker 1: you're just down. So I am joined by a very 44 00:02:16,320 --> 00:02:20,000 Speaker 1: special guest today for the Brown Ambision QA we have. 45 00:02:20,160 --> 00:02:22,959 Speaker 1: If you don't know her, she'll use your full government name, 46 00:02:23,080 --> 00:02:26,320 Speaker 1: Giovanna Gals. Yeah you may know her. 47 00:02:27,040 --> 00:02:28,400 Speaker 2: Yeah, most people know me. 48 00:02:28,400 --> 00:02:31,440 Speaker 1: As is good. I have to put you as GG 49 00:02:31,560 --> 00:02:34,160 Speaker 1: on my phone. I have Giovanna in there, and I'm 50 00:02:34,160 --> 00:02:36,160 Speaker 1: always like, why is Gigi not popping up? I know 51 00:02:36,240 --> 00:02:38,880 Speaker 1: she's in here. It's like, Gievanna, I gotta fix that. 52 00:02:39,800 --> 00:02:44,639 Speaker 2: But you may repeat guests of the Brown Ambition podcast. 53 00:02:44,360 --> 00:02:48,160 Speaker 1: A yes time, two or three times at this point. 54 00:02:48,960 --> 00:02:49,359 Speaker 2: Oh once. 55 00:02:49,440 --> 00:02:51,960 Speaker 1: So this is my second time back, second time back, 56 00:02:52,040 --> 00:02:54,600 Speaker 1: and I'm just really happy to We met the first 57 00:02:54,600 --> 00:02:57,160 Speaker 1: time at THINCLN couple of years ago, three years ago, 58 00:02:57,200 --> 00:03:01,280 Speaker 1: I think, and it was really special fin Con for me. 59 00:03:01,280 --> 00:03:04,320 Speaker 1: It was my first time back after becoming a mama 60 00:03:04,320 --> 00:03:07,440 Speaker 1: Sita for the second time, had my I had just 61 00:03:07,480 --> 00:03:10,040 Speaker 1: gotten pregnant with my second baby, and I was in 62 00:03:10,080 --> 00:03:13,600 Speaker 1: that really happy space in between times before you have 63 00:03:13,639 --> 00:03:15,600 Speaker 1: the kiddo, where it's like your brain is still there. 64 00:03:16,280 --> 00:03:19,040 Speaker 1: And I had the best time at thin Con and 65 00:03:19,160 --> 00:03:21,200 Speaker 1: you are a part of that. So I'm just very 66 00:03:21,200 --> 00:03:25,040 Speaker 1: happy to have you. We have so much, We have 67 00:03:25,080 --> 00:03:27,280 Speaker 1: so much to catch up on, ba Fam. So if 68 00:03:27,280 --> 00:03:30,720 Speaker 1: you're listening to this on Friday for our BAQA, just 69 00:03:30,800 --> 00:03:33,840 Speaker 1: stay tuned, stay tuned for me to drop my full 70 00:03:33,960 --> 00:03:36,480 Speaker 1: conversation with Gigi because we're going to talk about so much. 71 00:03:36,560 --> 00:03:40,800 Speaker 1: She has moved to Spain, she is working toward citizenship 72 00:03:41,160 --> 00:03:44,280 Speaker 1: in Spain. She is, she's got this really cool digital 73 00:03:44,520 --> 00:03:47,400 Speaker 1: nomad visa that we're going to talk about and just 74 00:03:47,440 --> 00:03:51,920 Speaker 1: catch up on all things First Gen Mentor, But gig 75 00:03:52,080 --> 00:03:54,080 Speaker 1: for a BA FAM who hasn't heard you on the 76 00:03:54,120 --> 00:03:56,440 Speaker 1: show before and isn't familiar with your work, can you 77 00:03:56,480 --> 00:03:58,800 Speaker 1: do a quick little intro of who you are and 78 00:03:59,080 --> 00:04:00,800 Speaker 1: what you do and while you're so amazing. 79 00:04:01,360 --> 00:04:05,080 Speaker 3: Of course, and thanks Mandy for having me again. Hi everybody, 80 00:04:05,160 --> 00:04:07,480 Speaker 3: My name is Giovanna, but most people know me as 81 00:04:07,600 --> 00:04:10,480 Speaker 3: Gigi or by my brand name, the First Gen Mentor, 82 00:04:11,160 --> 00:04:18,080 Speaker 3: and I am a former investment professional turned TikToker speaker, 83 00:04:18,320 --> 00:04:23,280 Speaker 3: financial educator and author of Gutura and Cash. 84 00:04:23,760 --> 00:04:26,120 Speaker 1: Yeahs, they congratulations on Gultuda and Cash. That's when you 85 00:04:26,120 --> 00:04:27,640 Speaker 1: were on the show, you were talking about the book. 86 00:04:27,640 --> 00:04:28,560 Speaker 1: It was your book launch. 87 00:04:29,040 --> 00:04:30,240 Speaker 2: Yes, it's my book Baby. 88 00:04:30,600 --> 00:04:32,520 Speaker 1: How old is the book baby now? Toddler? 89 00:04:34,200 --> 00:04:38,520 Speaker 3: Yes, because it is a year and a half exactly 90 00:04:38,600 --> 00:04:39,080 Speaker 3: year now? 91 00:04:39,680 --> 00:04:42,400 Speaker 2: Okay, well so toddler after two right after two years? 92 00:04:42,440 --> 00:04:46,279 Speaker 1: Yeah, it's still cheeked. Yeah, still a baby. Not a 93 00:04:46,360 --> 00:04:49,440 Speaker 1: little terrorist yet that comes after too. 94 00:04:49,920 --> 00:04:51,640 Speaker 2: Yeah. 95 00:04:51,680 --> 00:04:54,440 Speaker 1: Well, you were definitely one of the book launches that 96 00:04:54,480 --> 00:04:56,800 Speaker 1: I watched very carefully with the pen and paper, because 97 00:04:56,839 --> 00:04:59,200 Speaker 1: you know, I have my book that I'm still in 98 00:04:59,400 --> 00:05:02,040 Speaker 1: edits with, but eventually it will be out in the world, 99 00:05:02,080 --> 00:05:05,400 Speaker 1: and I'm very excited. You only get to have your 100 00:05:05,400 --> 00:05:09,000 Speaker 1: first book once. How was the whole process for you? 101 00:05:10,520 --> 00:05:13,680 Speaker 3: It was lots of work and the first I want 102 00:05:13,720 --> 00:05:15,760 Speaker 3: to say, of course, I got your back with all 103 00:05:16,160 --> 00:05:18,679 Speaker 3: you know launching tips that you need because I learned 104 00:05:18,680 --> 00:05:19,520 Speaker 3: a lot the hard way. 105 00:05:19,680 --> 00:05:20,880 Speaker 1: I know you do, I know. 106 00:05:22,279 --> 00:05:24,720 Speaker 2: But it was fun. It was fun. Honestly. 107 00:05:24,760 --> 00:05:28,560 Speaker 3: I've gotten that feedback from a lot of authors or 108 00:05:28,600 --> 00:05:31,159 Speaker 3: aspiring authors that it's one of the best launches that 109 00:05:31,200 --> 00:05:33,800 Speaker 3: they've seen, and I'm very proud of that. 110 00:05:33,920 --> 00:05:34,360 Speaker 2: Yeah. 111 00:05:34,480 --> 00:05:38,040 Speaker 3: Yeah, I'm very proud of that because I really research. 112 00:05:38,680 --> 00:05:41,240 Speaker 1: Not sorry to interrupt you. I saw you give a 113 00:05:41,279 --> 00:05:44,000 Speaker 1: talk on your book launch fn Con last year. That's 114 00:05:44,040 --> 00:05:47,080 Speaker 1: when I saw you last I knew it was in Atlanta. 115 00:05:47,240 --> 00:05:49,800 Speaker 2: Yeah, Atlanta, Okay, okay, yes, I. 116 00:05:49,720 --> 00:05:51,720 Speaker 1: Did get to squeeze you and I went to your 117 00:05:51,760 --> 00:05:52,279 Speaker 1: book talk. 118 00:05:52,440 --> 00:05:54,680 Speaker 2: It was excellent, Okay, there you go. 119 00:05:54,800 --> 00:05:57,040 Speaker 3: Yes, And I talked about how my first, my very 120 00:05:57,040 --> 00:06:00,440 Speaker 3: first launch was my course and I really hadn't studied 121 00:06:00,720 --> 00:06:03,599 Speaker 3: the process of launching. And even though it wasn't a 122 00:06:03,680 --> 00:06:05,880 Speaker 3: terrible launch, because I still made my money back, I 123 00:06:05,880 --> 00:06:09,280 Speaker 3: made profit from the core sales, it just wasn't an 124 00:06:09,320 --> 00:06:12,400 Speaker 3: amazing launch. And then with the book, I'm like, this 125 00:06:12,440 --> 00:06:14,680 Speaker 3: is not going to happen again. Number one, this is 126 00:06:14,720 --> 00:06:15,200 Speaker 3: my baby. 127 00:06:15,320 --> 00:06:15,760 Speaker 2: Number two. 128 00:06:15,880 --> 00:06:19,680 Speaker 3: This is a much more expensive process and launching of course, so. 129 00:06:19,560 --> 00:06:21,800 Speaker 2: I had to like kill it right. 130 00:06:21,880 --> 00:06:25,080 Speaker 3: So so yeah, that was a good motivator to want 131 00:06:25,120 --> 00:06:28,360 Speaker 3: to do well. And Tiffany actually was very helpful. I 132 00:06:28,400 --> 00:06:30,240 Speaker 3: was a member, I was a mentee. I know she 133 00:06:30,240 --> 00:06:31,560 Speaker 3: had her paid I don't think she still has her 134 00:06:31,560 --> 00:06:34,159 Speaker 3: Patreon community, and then she had a lot of content 135 00:06:34,240 --> 00:06:36,720 Speaker 3: on book launching. So I definitely took notes from her 136 00:06:36,800 --> 00:06:39,320 Speaker 3: and saw what other people were doing and put that 137 00:06:39,360 --> 00:06:42,559 Speaker 3: all together and I think had a very very successful lunch. 138 00:06:44,000 --> 00:06:46,479 Speaker 1: Oh she's the best. Yeah, I think Tiffany really kicked 139 00:06:46,480 --> 00:06:49,000 Speaker 1: off the trend of sharing and being open. And this 140 00:06:49,080 --> 00:06:51,640 Speaker 1: goes for like all things and money, career, like no 141 00:06:51,720 --> 00:06:55,560 Speaker 1: gatekeeping here. Try to leave everyone with a nugget they 142 00:06:55,560 --> 00:06:59,360 Speaker 1: can share, and then they can share that nugget. And well, 143 00:06:59,400 --> 00:07:01,359 Speaker 1: I was just wondering, Well, it's really wonderful to have you, 144 00:07:02,560 --> 00:07:04,760 Speaker 1: but I didn't bring you here just to kiki. I'm 145 00:07:04,760 --> 00:07:08,760 Speaker 1: putting you to work because ready, we do have a 146 00:07:08,839 --> 00:07:11,840 Speaker 1: question from a listener, And I just want to say 147 00:07:11,880 --> 00:07:13,920 Speaker 1: thank you again be a fan for sending me your 148 00:07:14,000 --> 00:07:16,760 Speaker 1: questions and the fact that you trust me to give 149 00:07:16,800 --> 00:07:20,880 Speaker 1: you all kinds of advice, relationship advice, career advice, money advice. 150 00:07:22,000 --> 00:07:23,560 Speaker 1: It just means so much to me. I don't take 151 00:07:23,560 --> 00:07:27,040 Speaker 1: it for granted one bit. That being said, we are 152 00:07:27,080 --> 00:07:30,320 Speaker 1: not your personal financial advisors. We are not your investment advisors. 153 00:07:30,320 --> 00:07:32,720 Speaker 1: We are not your life coaches. Personally. You don't pay us, 154 00:07:33,040 --> 00:07:36,120 Speaker 1: We don't pay you. Please don't sue. This information is 155 00:07:36,160 --> 00:07:38,680 Speaker 1: like what I like to call infotainment. So we're going 156 00:07:38,720 --> 00:07:41,280 Speaker 1: to get those salt shakers out taking everything with a 157 00:07:41,320 --> 00:07:45,240 Speaker 1: grain of salt, healthy dose of salt today And if 158 00:07:45,280 --> 00:07:47,040 Speaker 1: you want to send your questions to the show. I'll 159 00:07:47,040 --> 00:07:49,320 Speaker 1: tell you about today's listener who wants to be anonymous. 160 00:07:49,360 --> 00:07:52,800 Speaker 1: I'm gonna call her Tara. Tara, not her real name, 161 00:07:52,960 --> 00:07:55,640 Speaker 1: has slid into my DMS, so it's that easy. You 162 00:07:55,680 --> 00:07:57,680 Speaker 1: have a question, you can leave a voice note, you 163 00:07:57,760 --> 00:08:01,280 Speaker 1: can type it up, you can slide into our DMS. 164 00:08:01,280 --> 00:08:04,760 Speaker 1: We're at brand Ambission Podcasts on Instagram. You can also 165 00:08:04,840 --> 00:08:07,720 Speaker 1: email me. Make sure you put BAQA in the subject line. 166 00:08:07,760 --> 00:08:12,480 Speaker 1: That'll help things not get not get either marked as 167 00:08:12,480 --> 00:08:14,960 Speaker 1: spam or me just look over it. But those are 168 00:08:15,000 --> 00:08:17,920 Speaker 1: the two best ways to get your questions answered on 169 00:08:18,000 --> 00:08:21,520 Speaker 1: the show. But let's get into it. This question is 170 00:08:21,520 --> 00:08:25,560 Speaker 1: from listener Tara, again not her real name. She has 171 00:08:25,560 --> 00:08:29,240 Speaker 1: a really how many more times can I say for 172 00:08:29,320 --> 00:08:31,440 Speaker 1: my editor to have to edit out I don't know. 173 00:08:32,559 --> 00:08:35,040 Speaker 1: Tara is dealing with the chronic illness and having want 174 00:08:35,080 --> 00:08:39,360 Speaker 1: some personal finance advice. She says, Hey, Mandy, I hope 175 00:08:39,360 --> 00:08:42,040 Speaker 1: you were able to cover this in an upcoming episode. 176 00:08:42,320 --> 00:08:46,439 Speaker 1: I was recently diagnosed with a chronic illness multiple scrosis. 177 00:08:47,040 --> 00:08:49,640 Speaker 1: Apart from dealing with the grief of what that will 178 00:08:49,640 --> 00:08:53,120 Speaker 1: mean for my future potential disability, I have also been 179 00:08:53,200 --> 00:08:57,520 Speaker 1: dealing with the financial ramifications, especially when thinking to future 180 00:08:57,559 --> 00:09:01,800 Speaker 1: proof my finances. I've started to consider what I should aggressively. 181 00:09:02,559 --> 00:09:05,480 Speaker 1: I've started to consider that I should aggressively invest now 182 00:09:05,559 --> 00:09:08,000 Speaker 1: while I'm still able to work, with an aim to 183 00:09:08,040 --> 00:09:11,440 Speaker 1: retire in my forties or early fifties. I'm thirty one 184 00:09:11,520 --> 00:09:14,440 Speaker 1: years old. Now, what are your thoughts on any other 185 00:09:14,559 --> 00:09:18,800 Speaker 1: financial planning that would be useful for me and other 186 00:09:19,120 --> 00:09:23,000 Speaker 1: chronically ill persons to consider? For additional context, I'm married, 187 00:09:23,480 --> 00:09:25,920 Speaker 1: based in the Caribbean, I work a government job, and 188 00:09:26,040 --> 00:09:28,320 Speaker 1: right now I am child free, but I plan to 189 00:09:28,320 --> 00:09:31,520 Speaker 1: start trying in a few years. Thanks in advance. I 190 00:09:31,520 --> 00:09:33,800 Speaker 1: always love hearing your thoughts. You're doing a great job 191 00:09:33,880 --> 00:09:37,880 Speaker 1: keeping the podcast go going. I listen religiously every Wednesday. 192 00:09:38,960 --> 00:09:41,680 Speaker 1: Terra Boo. That is so kind, Thank you so much. 193 00:09:42,760 --> 00:09:46,319 Speaker 1: Wow thirty To get a diagnosis like that at thirty one, 194 00:09:46,920 --> 00:09:49,440 Speaker 1: my heart goes out to you, Terra. I just first 195 00:09:49,480 --> 00:09:53,680 Speaker 1: and foremost, that's that's tough. And you're at the peak 196 00:09:53,760 --> 00:09:56,840 Speaker 1: what should be like the peak of your physicality and 197 00:09:56,920 --> 00:10:03,160 Speaker 1: starting a family. And I don't have anyone personally in 198 00:10:03,160 --> 00:10:06,800 Speaker 1: my life who has MS, but I do know and 199 00:10:06,840 --> 00:10:11,319 Speaker 1: I've heard stories of other people who've either had MS 200 00:10:11,440 --> 00:10:13,360 Speaker 1: or have gone through it, and it is a slow 201 00:10:13,640 --> 00:10:16,800 Speaker 1: slow it's a slow I don't know if it's a 202 00:10:16,840 --> 00:10:18,760 Speaker 1: good or bad, but it's a slow disease that can 203 00:10:18,800 --> 00:10:21,760 Speaker 1: sort of slowly kind of like put its claws into 204 00:10:21,840 --> 00:10:27,000 Speaker 1: you and start reducing your mobility over time. And I 205 00:10:27,040 --> 00:10:30,120 Speaker 1: guess the only pro of this right now is that 206 00:10:30,240 --> 00:10:32,959 Speaker 1: it is giving you time, Like, like you said, I'm 207 00:10:32,960 --> 00:10:34,959 Speaker 1: hoping you're getting the best medical support, but it does 208 00:10:35,000 --> 00:10:38,720 Speaker 1: seem like you have time and a bit of a runway, 209 00:10:39,160 --> 00:10:42,760 Speaker 1: like you know what's coming, and you are kind of 210 00:10:42,800 --> 00:10:45,920 Speaker 1: putting your You're not letting it depress you. Maybe it is, 211 00:10:46,000 --> 00:10:48,120 Speaker 1: maybe you are, and that's fine. I think anyone could 212 00:10:48,160 --> 00:10:50,360 Speaker 1: have their moments of depression with the diagnosis like this, 213 00:10:50,520 --> 00:10:52,920 Speaker 1: but you're ready to like get after it and do 214 00:10:53,040 --> 00:10:55,680 Speaker 1: what you can to make things as smooth as possible. 215 00:10:55,720 --> 00:10:58,040 Speaker 1: So I just want to commend you for that. First 216 00:10:58,080 --> 00:11:03,320 Speaker 1: and foremost so Gigi when she's asking about I mean really, 217 00:11:03,320 --> 00:11:05,920 Speaker 1: and it's at the heart of what she's saying is 218 00:11:06,840 --> 00:11:08,560 Speaker 1: I know that I'm not going to be able to 219 00:11:08,600 --> 00:11:13,280 Speaker 1: work forever for sure now and I have She's thirty one. 220 00:11:13,320 --> 00:11:17,360 Speaker 1: Now she's thinking ten to fifteen, twenty years of maybe 221 00:11:17,440 --> 00:11:20,319 Speaker 1: good solid working years ahead of her, and so how 222 00:11:20,320 --> 00:11:23,320 Speaker 1: can she best lay out the next couple of decades 223 00:11:23,360 --> 00:11:27,360 Speaker 1: of her life to really go hard financially so that 224 00:11:27,400 --> 00:11:31,680 Speaker 1: she can support herself and her family as she gets older. 225 00:11:31,720 --> 00:11:35,080 Speaker 1: And this disease takes hold continues to take hold. 226 00:11:35,960 --> 00:11:38,880 Speaker 3: Right right, And I just want to echo Mandy what 227 00:11:38,920 --> 00:11:43,680 Speaker 3: you said that I empathize with you, anonymous poster, that 228 00:11:43,840 --> 00:11:46,560 Speaker 3: is very difficult, and thanks for reaching out. 229 00:11:47,280 --> 00:11:48,240 Speaker 2: I do have a. 230 00:11:48,160 --> 00:11:51,160 Speaker 3: College friend who has had a mess, probably for about 231 00:11:51,200 --> 00:11:55,120 Speaker 3: ten years, so I remember the roller coaster of emotions 232 00:11:55,280 --> 00:11:58,920 Speaker 3: that she was going through. So holding space for you 233 00:12:00,120 --> 00:12:04,480 Speaker 3: guarding what sort of financial hacks you can put in place, 234 00:12:05,000 --> 00:12:07,480 Speaker 3: I think that's a great idea, right, maybe looking into 235 00:12:07,520 --> 00:12:12,880 Speaker 3: the fire movement and calculating that fire number to aggressively 236 00:12:12,960 --> 00:12:19,120 Speaker 3: invest and retire well before traditional retirement age. 237 00:12:18,880 --> 00:12:19,720 Speaker 2: Of sixty five. 238 00:12:21,120 --> 00:12:23,120 Speaker 3: Look at what that would look like for you, maybe 239 00:12:23,160 --> 00:12:29,080 Speaker 3: retiring at forty five, fifty, whatever is feasible for your 240 00:12:29,200 --> 00:12:32,959 Speaker 3: household income. I think that's a great option. And then 241 00:12:34,000 --> 00:12:38,240 Speaker 3: I would definitely take full advantage of something like an 242 00:12:38,440 --> 00:12:42,080 Speaker 3: HSA AT if you have that available to you. If 243 00:12:42,080 --> 00:12:46,679 Speaker 3: you have a hydroductive insurance plan, you're eligible for an HSA. 244 00:12:47,040 --> 00:12:49,160 Speaker 3: When I had help issues a few years ago, I 245 00:12:49,200 --> 00:12:51,959 Speaker 3: needed and I'm going to call it an emergency hysterect 246 00:12:52,040 --> 00:12:53,520 Speaker 3: me because the doctor told me, you need this in 247 00:12:53,559 --> 00:12:55,719 Speaker 3: a month, So I guess I wasn't I needed that day, but. 248 00:12:55,679 --> 00:12:56,720 Speaker 2: I needed it pretty soon. 249 00:12:57,640 --> 00:12:59,440 Speaker 1: I urgent. It was urgent. 250 00:12:59,520 --> 00:13:03,360 Speaker 3: There it goes urgent, and I made sure to max 251 00:13:03,400 --> 00:13:07,080 Speaker 3: out that baby my HSA to make sure that those 252 00:13:07,120 --> 00:13:12,160 Speaker 3: medical costs were going to be tax free. Look into 253 00:13:12,360 --> 00:13:15,640 Speaker 3: the n fsay, right, So that's also a workplace benefit 254 00:13:15,679 --> 00:13:18,720 Speaker 3: if that's available to you as a way to be 255 00:13:18,800 --> 00:13:21,319 Speaker 3: able to cover those medical costs. 256 00:13:21,960 --> 00:13:24,920 Speaker 1: With an HSA. It's been a minute, but health savings 257 00:13:24,920 --> 00:13:29,000 Speaker 1: account you need to have. What are the requirements that 258 00:13:29,200 --> 00:13:30,960 Speaker 1: you have to be on a high deductible health plan 259 00:13:31,160 --> 00:13:33,320 Speaker 1: typically to get access to it? 260 00:13:33,679 --> 00:13:36,679 Speaker 3: Yeah, and there's the virus stipulate sas I think as 261 00:13:37,240 --> 00:13:39,439 Speaker 3: they change it, but I think it's if it's a 262 00:13:39,520 --> 00:13:43,000 Speaker 3: high deductible of fifteen hundred dollars or more so, if 263 00:13:43,040 --> 00:13:45,199 Speaker 3: you have a deductible five hundred dollars, they don't consider 264 00:13:45,240 --> 00:13:46,600 Speaker 3: that a high deductible plan. 265 00:13:47,320 --> 00:13:51,480 Speaker 1: Okay, gotcha. Yeah, And I think another benefit to that 266 00:13:51,600 --> 00:13:53,319 Speaker 1: is and it's so smart to bring that up too, 267 00:13:53,360 --> 00:13:55,319 Speaker 1: because you know you're going to have health expenses down 268 00:13:55,360 --> 00:13:58,120 Speaker 1: the line. The best thing about HSA is is that 269 00:13:58,240 --> 00:14:00,640 Speaker 1: you can It's like a triple tax benefit it, right, 270 00:14:01,040 --> 00:14:04,439 Speaker 1: you put money in pre tax, it grows tax free, 271 00:14:05,240 --> 00:14:08,920 Speaker 1: and you can actually invest the money. You can invest it. 272 00:14:08,920 --> 00:14:11,960 Speaker 1: It's not just like a flexible savings account where you 273 00:14:11,960 --> 00:14:14,720 Speaker 1: put the cash in and that's that's how much you have. 274 00:14:14,840 --> 00:14:17,559 Speaker 1: But you can literally and it's an investment vehicle for you. 275 00:14:17,600 --> 00:14:19,040 Speaker 1: And then as long as you use it for your 276 00:14:19,040 --> 00:14:23,280 Speaker 1: medical expenses later on, it's no taxes on it ever. 277 00:14:23,840 --> 00:14:28,600 Speaker 1: So that's a perfect It's almost like you're good at this, 278 00:14:28,720 --> 00:14:29,480 Speaker 1: Like that's so smart. 279 00:14:30,840 --> 00:14:32,560 Speaker 2: It's almost like I wrote a book about this stuff. 280 00:14:32,600 --> 00:14:35,600 Speaker 1: Right, Yeah, But how much enemy would set aside in 281 00:14:35,640 --> 00:14:37,880 Speaker 1: an HSA? That's the thing. Is there a limit on it? 282 00:14:37,880 --> 00:14:38,960 Speaker 1: It changes every year? Right? 283 00:14:39,400 --> 00:14:41,560 Speaker 2: It changes by a little bit every year. 284 00:14:41,960 --> 00:14:43,480 Speaker 3: I mean, if I had to google it right now, 285 00:14:43,520 --> 00:14:48,960 Speaker 3: I say it's probably three. I'm a google it. It's 286 00:14:49,120 --> 00:14:52,240 Speaker 3: low compared to everything else because they know how good 287 00:14:52,240 --> 00:14:52,960 Speaker 3: of a dew it is. 288 00:14:53,000 --> 00:14:54,760 Speaker 2: With that triple tax advantage. 289 00:14:55,440 --> 00:14:59,600 Speaker 1: Oh but she has a family though, Okay, so the IRS, Yeah, 290 00:14:59,640 --> 00:15:01,800 Speaker 1: she has a family, so she can increase it. Oh 291 00:15:01,840 --> 00:15:03,960 Speaker 1: she has a husband. I don't know if that. Yeah, okay, 292 00:15:04,800 --> 00:15:07,640 Speaker 1: so the IRS limit on HSA is for twenty twenty five. 293 00:15:07,720 --> 00:15:10,320 Speaker 1: Self only coverage you can contribute up to forty three 294 00:15:10,440 --> 00:15:15,520 Speaker 1: hundred per year, which is and she has like, you know, years, 295 00:15:15,520 --> 00:15:18,000 Speaker 1: So even if you just did that, that's still a 296 00:15:18,040 --> 00:15:21,080 Speaker 1: pretty little coin, especially if you're investing it. And then 297 00:15:21,160 --> 00:15:24,400 Speaker 1: family coverage you can contribute up to eighty five hundred 298 00:15:26,040 --> 00:15:28,280 Speaker 1: per year. And then you know, as you get older, 299 00:15:28,280 --> 00:15:31,080 Speaker 1: if you're fifty five plus, you can contribute catchup contributions 300 00:15:31,120 --> 00:15:34,120 Speaker 1: of a thousand bucks. Okay, so it's not you know, 301 00:15:34,120 --> 00:15:36,520 Speaker 1: we're not talking like I think, what is it for 302 00:15:36,600 --> 00:15:39,960 Speaker 1: four oh one k? Twenty k something? Yeah, but it's 303 00:15:40,000 --> 00:15:40,520 Speaker 1: not nothing. 304 00:15:40,560 --> 00:15:43,560 Speaker 3: It helps, It helps, and the tax advantages are huge. 305 00:15:43,600 --> 00:15:45,480 Speaker 3: And I also want to point out because a lot 306 00:15:45,520 --> 00:15:48,160 Speaker 3: of people say, well, I do have a hydroductible plan 307 00:15:48,200 --> 00:15:50,000 Speaker 3: through my employer, but they. 308 00:15:49,840 --> 00:15:53,640 Speaker 2: Don't offer an HSA. You are still eligible for an HSA. 309 00:15:53,840 --> 00:15:55,640 Speaker 3: So all that means is that you have to take 310 00:15:55,640 --> 00:16:00,560 Speaker 3: the extra step of opening one up through a brokerage account. Yeah, 311 00:16:00,600 --> 00:16:02,840 Speaker 3: it's just more paperwork on your end, right because you 312 00:16:02,880 --> 00:16:04,520 Speaker 3: have to do it as opposed to just adopting and 313 00:16:04,520 --> 00:16:08,040 Speaker 3: through the employer. But it's still something that you should 314 00:16:08,040 --> 00:16:12,000 Speaker 3: definitely look into taking advantage of. And then the other 315 00:16:12,080 --> 00:16:16,120 Speaker 3: thing I would say is I would look definitely consider 316 00:16:16,280 --> 00:16:20,120 Speaker 3: long term care right to see if that's something that 317 00:16:20,240 --> 00:16:25,320 Speaker 3: this covers. Disability insurance, right, there's different sort of vehicles 318 00:16:25,360 --> 00:16:29,600 Speaker 3: for this. And then lastly, I would absolutely take the 319 00:16:29,640 --> 00:16:32,320 Speaker 3: time to meet with the CFP because that's a certified 320 00:16:32,360 --> 00:16:36,360 Speaker 3: financial planner, because that's really the best person that's going 321 00:16:36,400 --> 00:16:38,320 Speaker 3: to guide you along this process. 322 00:16:38,360 --> 00:16:39,120 Speaker 2: And you want to look for. 323 00:16:39,120 --> 00:16:42,320 Speaker 3: Somebody who's a fiduciary and somebody that has experience with 324 00:16:42,440 --> 00:16:45,640 Speaker 3: people that have a long term illness. 325 00:16:46,640 --> 00:16:48,320 Speaker 1: You know what I was just thinking about, and I'm 326 00:16:48,360 --> 00:16:50,320 Speaker 1: trying to I'm not as good as y'all know. Chris 327 00:16:50,320 --> 00:16:52,440 Speaker 1: Browning from Popcorn Finance and he's on the show. He's 328 00:16:52,440 --> 00:16:55,160 Speaker 1: my stealth googler. He's my or actually I think he 329 00:16:55,240 --> 00:16:57,520 Speaker 1: uses an AI bot, but he's my stealth fact checker 330 00:16:57,560 --> 00:17:00,240 Speaker 1: in the background. And one thing I was thinking about 331 00:17:00,280 --> 00:17:02,440 Speaker 1: is I was I was wondering I was wanting to 332 00:17:02,440 --> 00:17:05,240 Speaker 1: know more about MS. I understand that it's a neurological 333 00:17:05,320 --> 00:17:08,479 Speaker 1: condition that it can create all sorts of I mean, 334 00:17:08,480 --> 00:17:11,800 Speaker 1: the symptoms vary, but it's like prolonged and impacts your 335 00:17:11,800 --> 00:17:14,400 Speaker 1: mobility especially I can also I was looking at does 336 00:17:14,400 --> 00:17:17,520 Speaker 1: it impact cognitive function because one thing I was trying 337 00:17:17,560 --> 00:17:19,639 Speaker 1: to do is figure out what are some career paths 338 00:17:19,720 --> 00:17:21,600 Speaker 1: or how can she change her career all to her 339 00:17:21,640 --> 00:17:28,679 Speaker 1: career to create a high income position or high income 340 00:17:29,840 --> 00:17:32,800 Speaker 1: job or work that she can get now that would 341 00:17:32,840 --> 00:17:36,959 Speaker 1: be conducive to someone with that kind of disability. You know, 342 00:17:37,040 --> 00:17:39,480 Speaker 1: there's and I was just quickly looking up and I was, 343 00:17:39,600 --> 00:17:41,400 Speaker 1: I mean, I think a lot of it probably depends 344 00:17:41,440 --> 00:17:44,240 Speaker 1: on how that condition manifests in you and like what 345 00:17:44,320 --> 00:17:48,120 Speaker 1: symptoms are like for you. But is there maybe it's 346 00:17:48,200 --> 00:17:51,320 Speaker 1: less of you know, maybe just going all in on 347 00:17:51,359 --> 00:17:55,800 Speaker 1: an online business or an online side hustle or of 348 00:17:55,840 --> 00:17:59,800 Speaker 1: some kind, or writing or creating content. I mean, I 349 00:17:59,840 --> 00:18:06,600 Speaker 1: know my brain goes here, oh voiceovers, okay, yeah, but 350 00:18:06,640 --> 00:18:09,800 Speaker 1: what types of career paths? And you don't tell us 351 00:18:09,840 --> 00:18:11,800 Speaker 1: now what you do? All she says is she works 352 00:18:11,840 --> 00:18:14,959 Speaker 1: in government right now? If There's one thing about government 353 00:18:15,000 --> 00:18:17,879 Speaker 1: that I do know is that they love old school, Like, 354 00:18:18,240 --> 00:18:22,159 Speaker 1: come into this office, sit at this here desk, and 355 00:18:23,520 --> 00:18:26,119 Speaker 1: I mean hopefully you're you're going to be working for 356 00:18:26,240 --> 00:18:31,440 Speaker 1: people who will accommodate you. That's another thing to consider though, 357 00:18:31,520 --> 00:18:35,000 Speaker 1: Gigi is like, when you have a chronic illness, at 358 00:18:35,040 --> 00:18:37,440 Speaker 1: what point do you bring that up with your employer? 359 00:18:37,960 --> 00:18:41,280 Speaker 1: You know, and I know that there's rules and regulations 360 00:18:41,320 --> 00:18:44,200 Speaker 1: about how you shouldn't be discriminated against or treated unfairly, 361 00:18:44,320 --> 00:18:48,000 Speaker 1: or treated differently or paid differently and value differently, But 362 00:18:48,240 --> 00:18:52,680 Speaker 1: the bias has a way of sneaking in no matter what, 363 00:18:52,680 --> 00:18:54,520 Speaker 1: what do you say, like, what's your thoughts on that? 364 00:18:54,960 --> 00:18:59,200 Speaker 1: At what point would you or could you bring that 365 00:18:59,280 --> 00:19:01,360 Speaker 1: up to your employers if you need to seek additional 366 00:19:01,400 --> 00:19:03,200 Speaker 1: accommodations to be more comfortable. 367 00:19:03,280 --> 00:19:06,600 Speaker 3: Yeah, to be honest, that would be out of my wheelhouse. 368 00:19:06,800 --> 00:19:09,240 Speaker 3: And instead, what I would recommend would be to look 369 00:19:09,240 --> 00:19:13,920 Speaker 3: into creators or advocates in the community that talk about this. 370 00:19:14,280 --> 00:19:17,439 Speaker 3: I think about Tiffany You and her book The Anti 371 00:19:17,520 --> 00:19:21,680 Speaker 3: Ablest Manifesto. I think her content and her book might 372 00:19:21,720 --> 00:19:24,560 Speaker 3: be a good way to connect with other resources to 373 00:19:24,600 --> 00:19:27,040 Speaker 3: be able to answer that question because it's tough. It's 374 00:19:27,119 --> 00:19:30,639 Speaker 3: because yes, on paper, we have protections, right, but is 375 00:19:30,680 --> 00:19:31,879 Speaker 3: that really what's going to happen. 376 00:19:31,920 --> 00:19:34,040 Speaker 1: Well, that's a good one. I also found the National 377 00:19:34,160 --> 00:19:39,600 Speaker 1: MS Society has a bunch of resources, career resources. They 378 00:19:39,680 --> 00:19:43,440 Speaker 1: even have a job navigator MS navigator program, the Job 379 00:19:43,480 --> 00:19:47,880 Speaker 1: Accommodation Network. These are going to be really important resources 380 00:19:47,880 --> 00:19:50,840 Speaker 1: for you. I almost feel like, moving into this new 381 00:19:51,080 --> 00:19:54,200 Speaker 1: chapter of your life, it's like, how do we increase 382 00:19:54,320 --> 00:19:58,320 Speaker 1: our network and our social circle to just embed yourself 383 00:19:58,320 --> 00:20:01,399 Speaker 1: with people who know what you're going through, have lived 384 00:20:01,400 --> 00:20:04,440 Speaker 1: it and can be a source of like positive influence 385 00:20:04,480 --> 00:20:09,280 Speaker 1: and positive perspective for you and help. And it's almost 386 00:20:09,400 --> 00:20:11,880 Speaker 1: like when I had you know, now I have two 387 00:20:11,920 --> 00:20:15,040 Speaker 1: kids and the so the network that I have, the 388 00:20:15,080 --> 00:20:17,159 Speaker 1: relationships that I have, they look a lot different than 389 00:20:17,160 --> 00:20:22,119 Speaker 1: they did beforehand. And it's not about it's not about 390 00:20:22,160 --> 00:20:25,400 Speaker 1: you know, sometimes getting or like losing connections in your life. 391 00:20:25,400 --> 00:20:28,080 Speaker 1: It's more about just filling your life with additional connections 392 00:20:28,119 --> 00:20:30,720 Speaker 1: and resources that are meant for you and made for 393 00:20:30,800 --> 00:20:33,679 Speaker 1: that chapter that you're in right now. So if that 394 00:20:33,720 --> 00:20:37,879 Speaker 1: looks like support groups for you or checking out that 395 00:20:37,920 --> 00:20:42,360 Speaker 1: author GG, that you mentioned Tiffany. Tiffany you, Yeah, why you? 396 00:20:43,359 --> 00:20:47,760 Speaker 1: Why you? And that's one thing. You're a TikToker, right, Gigi. 397 00:20:48,400 --> 00:20:51,280 Speaker 1: It's really beautiful to me how many people with who 398 00:20:51,280 --> 00:20:55,040 Speaker 1: are differently abled are on TikTok just killing it, just 399 00:20:55,080 --> 00:20:58,280 Speaker 1: sharing exactly what they're going through and are just finding 400 00:20:58,320 --> 00:21:01,800 Speaker 1: their people. And so one thing tera I would say 401 00:21:01,880 --> 00:21:05,280 Speaker 1: is like, can you find that community online for yourself 402 00:21:07,440 --> 00:21:09,960 Speaker 1: to feel less alone and just feel like you're really seen? 403 00:21:11,000 --> 00:21:13,359 Speaker 2: Yeah, totally all right. 404 00:21:13,400 --> 00:21:15,800 Speaker 1: So we talked about HSA. So let's say she's maxing 405 00:21:15,800 --> 00:21:18,320 Speaker 1: at her HSA it's forty three hundred or eighty five 406 00:21:18,400 --> 00:21:22,679 Speaker 1: hundred a year. How else she's only thirty one, what 407 00:21:22,840 --> 00:21:25,879 Speaker 1: other you know, investments or types of investments can she 408 00:21:25,960 --> 00:21:29,359 Speaker 1: make at this stage that could you know, set her 409 00:21:29,440 --> 00:21:31,520 Speaker 1: up for I don't want to put a label on it. 410 00:21:31,520 --> 00:21:33,520 Speaker 1: You can call it fire or retire early, whatever, but 411 00:21:34,080 --> 00:21:37,040 Speaker 1: for financial security later. 412 00:21:36,840 --> 00:21:42,680 Speaker 3: On, financial independence, right, definitely looking into ways to reduce income, 413 00:21:42,920 --> 00:21:46,040 Speaker 3: live a frugal lifestyle while still enjoying life. 414 00:21:46,240 --> 00:21:46,480 Speaker 2: Right. 415 00:21:46,640 --> 00:21:52,640 Speaker 3: Reduce income, sorry, reducing expenses oh okay, waits called down ambition, 416 00:21:54,680 --> 00:22:04,000 Speaker 3: reducing expenses life, Yeah, and definitely increasing liquid money, right, 417 00:22:04,040 --> 00:22:08,040 Speaker 3: having access to cash, either through an emergency fund, a 418 00:22:08,040 --> 00:22:13,520 Speaker 3: bulky emergency fund at that, or investing in a brokerage 419 00:22:13,560 --> 00:22:16,320 Speaker 3: account where your money has the ability to grow, but 420 00:22:16,359 --> 00:22:18,600 Speaker 3: you also have the ability to pull the money out 421 00:22:19,119 --> 00:22:19,840 Speaker 3: when you need it. 422 00:22:21,800 --> 00:22:27,439 Speaker 1: Hm, why would like? Well not why but a brokerage account. 423 00:22:27,520 --> 00:22:30,200 Speaker 1: I think maybe it's just because the nine to five 424 00:22:31,400 --> 00:22:34,639 Speaker 1: brainwashing is real. But I'm always like four one K 425 00:22:34,720 --> 00:22:38,600 Speaker 1: four one K four one K and then brokerage do 426 00:22:38,680 --> 00:22:41,639 Speaker 1: you think? Do you? Yeah? What's your what's your stance 427 00:22:41,680 --> 00:22:43,479 Speaker 1: on that? Are you like, go all in on your 428 00:22:43,520 --> 00:22:45,280 Speaker 1: four to one k and when you when you can 429 00:22:45,320 --> 00:22:47,480 Speaker 1: max that out, then do a brokerage or are you 430 00:22:47,520 --> 00:22:48,440 Speaker 1: like a little bit of both? 431 00:22:49,720 --> 00:22:53,679 Speaker 3: It depends right, Like a lot of things in personal finance. Uh. 432 00:22:54,160 --> 00:22:57,680 Speaker 3: The way that I use the brokerage account that I have, 433 00:22:58,119 --> 00:23:03,280 Speaker 3: I have one now which is for It's funny because 434 00:23:03,280 --> 00:23:06,320 Speaker 3: it was initially for my god niece, for my goddaughter. 435 00:23:07,160 --> 00:23:09,600 Speaker 2: I opened it when she was born. 436 00:23:09,359 --> 00:23:12,120 Speaker 3: And I add to it every Christmas and every birthday. 437 00:23:12,200 --> 00:23:15,720 Speaker 1: Goodness I a auntie like. 438 00:23:15,760 --> 00:23:18,720 Speaker 2: You, Yeah, yeah, look for another. 439 00:23:19,520 --> 00:23:22,440 Speaker 3: I got too available as a godmother, yes, because I'm 440 00:23:22,480 --> 00:23:24,600 Speaker 3: child's race, so I'm available as a godmother. 441 00:23:24,800 --> 00:23:27,960 Speaker 1: We love a rich auntie. Well, Tara, I think we 442 00:23:28,080 --> 00:23:31,080 Speaker 1: mentioned some resources. I also wanted to bring another spotlight 443 00:23:31,160 --> 00:23:36,520 Speaker 1: on the National Multiple National Multiple Sclerosis Society. The founder 444 00:23:36,600 --> 00:23:38,640 Speaker 1: was interviewed by The New York Times and she said 445 00:23:38,640 --> 00:23:41,720 Speaker 1: that they filled forty thousand inquiries a year and their 446 00:23:41,760 --> 00:23:44,040 Speaker 1: whole job is to help people like you who are 447 00:23:44,160 --> 00:23:47,560 Speaker 1: newly diagnosed or you're navigating the landscape for yourself and 448 00:23:47,600 --> 00:23:49,840 Speaker 1: like connect you to a team. So connect you to 449 00:23:50,440 --> 00:23:54,760 Speaker 1: even a financial planner who is maybe used to working 450 00:23:54,760 --> 00:23:57,240 Speaker 1: with people who have MS and understand what the cost 451 00:23:57,320 --> 00:23:59,920 Speaker 1: can be. Someone who can help you review your insurance, 452 00:24:00,640 --> 00:24:04,040 Speaker 1: insurance coverage. That's another like really key thing here is 453 00:24:04,080 --> 00:24:07,000 Speaker 1: now that you know what you're up against, speaking with 454 00:24:07,080 --> 00:24:10,400 Speaker 1: someone who's not trying to sell you a type of insurance, 455 00:24:10,400 --> 00:24:13,760 Speaker 1: but someone who can help you understand what kind of 456 00:24:13,760 --> 00:24:16,560 Speaker 1: insurance plan, like how to get the right coverage that 457 00:24:16,600 --> 00:24:20,399 Speaker 1: you'll need to deal with all your medical appointments, excuse me, 458 00:24:20,400 --> 00:24:22,119 Speaker 1: what kind of treatments you'll be getting. All of that. 459 00:24:24,200 --> 00:24:28,119 Speaker 1: Help connect you to government agencies, nonprofits that may be 460 00:24:28,200 --> 00:24:31,120 Speaker 1: able to offer you services. Now there's a lot again, 461 00:24:31,200 --> 00:24:33,240 Speaker 1: there's a lot going against us ess actually works in 462 00:24:33,240 --> 00:24:36,240 Speaker 1: the Caribbeans. I'm kind of also toggling between Caribbean. But 463 00:24:36,280 --> 00:24:37,280 Speaker 1: are you a US sure? 464 00:24:37,320 --> 00:24:40,120 Speaker 3: Because I was gonna be one of my suggestions consider 465 00:24:40,480 --> 00:24:44,040 Speaker 3: moving abroad because healthcare is so much cheaper in other 466 00:24:44,119 --> 00:24:45,679 Speaker 3: countries compared to the US. 467 00:24:46,440 --> 00:24:48,840 Speaker 2: But it seems like she's already abroad in the Caribbean. 468 00:24:49,119 --> 00:24:51,639 Speaker 1: Yeah. Ain't nobody come into the US for their healthcare 469 00:24:51,760 --> 00:24:52,280 Speaker 1: needs now? 470 00:24:52,880 --> 00:24:53,080 Speaker 2: Right? 471 00:24:53,600 --> 00:24:55,760 Speaker 1: We're all trying to get about it. One soul, not 472 00:24:55,880 --> 00:24:58,200 Speaker 1: a single one. I don't know what exactly, Like I said, 473 00:24:58,200 --> 00:25:00,119 Speaker 1: your career path right now, but if there's things you 474 00:25:00,160 --> 00:25:03,360 Speaker 1: could be doing, like I mean, shit, why not have 475 00:25:04,320 --> 00:25:07,440 Speaker 1: an online presence so that you can shine a light 476 00:25:07,480 --> 00:25:09,879 Speaker 1: on what you're going through and have people follow your 477 00:25:09,960 --> 00:25:11,800 Speaker 1: journey and get connected with you. But that could also 478 00:25:11,840 --> 00:25:14,919 Speaker 1: turn into a financial opportunity for you as well, a 479 00:25:14,960 --> 00:25:17,080 Speaker 1: way to bring an additional income and put it aside 480 00:25:17,080 --> 00:25:18,240 Speaker 1: for your family. 481 00:25:19,760 --> 00:25:20,719 Speaker 2: While helping others. 482 00:25:21,000 --> 00:25:24,280 Speaker 1: Yeah, while helping others. It's beautiful, let me see. But 483 00:25:24,359 --> 00:25:28,120 Speaker 1: you know what I love is the idea of having 484 00:25:28,200 --> 00:25:31,200 Speaker 1: a money team in general for whatever you're going through. 485 00:25:31,800 --> 00:25:34,440 Speaker 1: I think we talk about financial planners being a part 486 00:25:34,440 --> 00:25:38,600 Speaker 1: of that money team I would even add, like whether 487 00:25:38,640 --> 00:25:41,119 Speaker 1: it's a mentor or an official coach, but someone to 488 00:25:41,119 --> 00:25:45,440 Speaker 1: help you navigate your career landscape. Who else would you 489 00:25:45,680 --> 00:25:49,040 Speaker 1: put on your ideal money team g She. 490 00:25:49,040 --> 00:25:52,760 Speaker 3: Say, like in a state attorney, right, somebody like that 491 00:25:53,440 --> 00:25:56,520 Speaker 3: could make sense, especially if she's looking to expand her family. 492 00:25:58,800 --> 00:26:02,200 Speaker 3: Somebody to help to with the medical directives, the power 493 00:26:02,240 --> 00:26:05,080 Speaker 3: of attorneys, that sort of thing, those need to be 494 00:26:05,200 --> 00:26:05,720 Speaker 3: set up. 495 00:26:07,040 --> 00:26:10,919 Speaker 1: It's a good point. That's a really good point. And 496 00:26:10,960 --> 00:26:13,879 Speaker 1: for your for your husband as well. Does she say husband? 497 00:26:13,880 --> 00:26:18,840 Speaker 1: I don't want to be heateranormative. She's a married I 498 00:26:18,840 --> 00:26:22,000 Speaker 1: ain't trying to put a your partner, your life partner. 499 00:26:24,000 --> 00:26:27,720 Speaker 1: It's also I would add a relationship therapist that mix. 500 00:26:28,040 --> 00:26:33,280 Speaker 1: To be honest, it's having kids, as I mean, I've seen, 501 00:26:33,359 --> 00:26:36,680 Speaker 1: I've I've experienced firsthand how adding children to the mix 502 00:26:36,760 --> 00:26:39,360 Speaker 1: can impact a relationship and make it really really challenging, 503 00:26:39,359 --> 00:26:41,920 Speaker 1: and you need that kind of support. Can only imagine 504 00:26:41,920 --> 00:26:44,200 Speaker 1: now adding an a chronic illness into that and to 505 00:26:44,920 --> 00:26:47,800 Speaker 1: I feel like Boom, you each need an individual therapist 506 00:26:48,040 --> 00:26:49,840 Speaker 1: because he's going to need a place event as a 507 00:26:49,840 --> 00:26:52,800 Speaker 1: caretaker potentially, and you're gonna need a place event and 508 00:26:52,840 --> 00:26:54,960 Speaker 1: then together as a couple, someone to work on that 509 00:26:55,000 --> 00:26:58,040 Speaker 1: relationship and preserve that union and bond. I would add 510 00:26:58,040 --> 00:27:00,600 Speaker 1: that to my I was still call it a money teams. 511 00:27:00,600 --> 00:27:03,440 Speaker 1: I do think this is all in intertwined. Oh yeah, 512 00:27:03,480 --> 00:27:07,320 Speaker 1: health is well, absolutely yeah. I would add in being 513 00:27:07,359 --> 00:27:08,800 Speaker 1: open to medication. 514 00:27:09,359 --> 00:27:09,560 Speaker 2: Right. 515 00:27:10,240 --> 00:27:12,520 Speaker 3: I know someone close to me they're dealing with chronic 516 00:27:12,600 --> 00:27:16,480 Speaker 3: illness and it's affecting their mood because it's an everyday thing, right, 517 00:27:16,600 --> 00:27:21,320 Speaker 3: So being open to behavioral health medication. I know that. Unfortunately, 518 00:27:21,640 --> 00:27:24,439 Speaker 3: there's a lot of stigma around it. I'm a proud 519 00:27:24,480 --> 00:27:26,960 Speaker 3: Prozac princess. I've been on it almost two years and 520 00:27:26,960 --> 00:27:29,840 Speaker 3: I would not be able to function without it, and 521 00:27:29,920 --> 00:27:31,080 Speaker 3: it really does help you. 522 00:27:31,040 --> 00:27:33,920 Speaker 2: Have a better outlook when you're going through challenging times. 523 00:27:34,760 --> 00:27:41,480 Speaker 1: Prozac Princess, I love it. I was a Zoloft. What 524 00:27:41,480 --> 00:27:47,280 Speaker 1: what's an alliteration? I don't have one. Hard well, z 525 00:27:47,560 --> 00:27:49,600 Speaker 1: is hard. I could go for the Baneric. It could 526 00:27:49,640 --> 00:27:55,960 Speaker 1: be a Certraline a queen. Yeah, it doesn't get the illiteration. 527 00:27:56,520 --> 00:28:00,440 Speaker 1: Batty love Batty, but I'm not anymore. I'm looking I'm 528 00:28:00,440 --> 00:28:04,720 Speaker 1: currently shopping for a new, a new whatever. I'm on this. 529 00:28:04,840 --> 00:28:06,560 Speaker 1: I'll do a separate episode on that BA family. You 530 00:28:06,600 --> 00:28:08,720 Speaker 1: got to get all and sue it. But she's coming 531 00:28:08,760 --> 00:28:11,520 Speaker 1: off the med and she is. She is out here 532 00:28:12,119 --> 00:28:16,040 Speaker 1: just just doing her best. We're doing our best. But yeah, 533 00:28:16,040 --> 00:28:19,159 Speaker 1: it was time for it was time for change five years. 534 00:28:21,160 --> 00:28:25,119 Speaker 1: Anything else for Tara I other than just aggressively, I agree, 535 00:28:25,160 --> 00:28:28,199 Speaker 1: aggressively invest get your expenses down, you know in a 536 00:28:28,200 --> 00:28:31,760 Speaker 1: certain way. This maybe will help you make decisions from 537 00:28:31,840 --> 00:28:34,560 Speaker 1: a centered place of like, I know what I know 538 00:28:34,640 --> 00:28:36,639 Speaker 1: to a certain extent, what the future is holding for me. 539 00:28:36,720 --> 00:28:38,360 Speaker 1: So it's gonna make it easier for you to say 540 00:28:38,400 --> 00:28:42,440 Speaker 1: no to certain things, and like funnel your finances and 541 00:28:42,480 --> 00:28:45,880 Speaker 1: your energy and your investments of time and like literal 542 00:28:45,920 --> 00:28:48,680 Speaker 1: investments into what can help you create that life that 543 00:28:48,720 --> 00:28:52,680 Speaker 1: you want for yourself. And like in talking to more 544 00:28:52,680 --> 00:28:54,480 Speaker 1: people who have dealt with the condition too, you may 545 00:28:54,560 --> 00:28:57,200 Speaker 1: find out what types of living arrangements are best for 546 00:28:57,240 --> 00:29:00,480 Speaker 1: you so you can work toward that. You know, what, 547 00:29:00,800 --> 00:29:03,440 Speaker 1: how will you be most comfortable and most able to 548 00:29:03,520 --> 00:29:06,840 Speaker 1: stay independent for as long as possible in the environment 549 00:29:06,880 --> 00:29:09,440 Speaker 1: that you're living in, the types of upgrades you want 550 00:29:09,480 --> 00:29:10,840 Speaker 1: to make. You may want to make to your home 551 00:29:10,960 --> 00:29:12,720 Speaker 1: or you know, choosing where to live. If you want 552 00:29:12,760 --> 00:29:16,240 Speaker 1: to make those changes, then you have time to do that. Yeah. 553 00:29:16,240 --> 00:29:17,600 Speaker 1: I just really feel like a lot of the answer 554 00:29:17,640 --> 00:29:19,160 Speaker 1: is in talking to people who have dealt with this 555 00:29:19,200 --> 00:29:21,240 Speaker 1: and are going through it, because they can help you 556 00:29:21,280 --> 00:29:25,000 Speaker 1: see blind spots that obviously both of us have Gigi, 557 00:29:25,080 --> 00:29:27,800 Speaker 1: but you as well kind of just being like a 558 00:29:27,800 --> 00:29:30,920 Speaker 1: deer in headlights just getting this diagnosis and learning about it. 559 00:29:31,760 --> 00:29:32,640 Speaker 2: Yeah, it's a lot. 560 00:29:32,760 --> 00:29:36,040 Speaker 3: And be kind to yourself, and yeah, look for help 561 00:29:36,120 --> 00:29:38,680 Speaker 3: from experts and people that have been through it. You 562 00:29:38,720 --> 00:29:39,960 Speaker 3: don't have to do it all on your own. 563 00:29:41,200 --> 00:29:44,320 Speaker 1: Amen's sister friend. All right, Tara, Well, thank you so 564 00:29:44,440 --> 00:29:47,400 Speaker 1: much for your message and for being vulnerable and best 565 00:29:47,400 --> 00:29:49,520 Speaker 1: of luck to you. Please keep me posted and anything 566 00:29:49,520 --> 00:29:52,200 Speaker 1: else I can do we can do. Ba fam oh, 567 00:29:52,240 --> 00:29:55,000 Speaker 1: I forgot about ba Fam. I know this community is incredible, 568 00:29:55,000 --> 00:29:57,920 Speaker 1: and I know that y'all may have some additional resources 569 00:29:57,920 --> 00:29:59,520 Speaker 1: for Terra, So would y'all please send them to me 570 00:29:59,560 --> 00:30:02,320 Speaker 1: and so we can forward them to her Brown Ambition 571 00:30:02,400 --> 00:30:06,440 Speaker 1: excuse me Brown Ambition Podcast at gmail dot com, or 572 00:30:06,480 --> 00:30:08,960 Speaker 1: you can d m me at Brown Ambition Podcast on 573 00:30:09,080 --> 00:30:12,000 Speaker 1: ig and Tara, I'm saving your info and I'll send 574 00:30:12,040 --> 00:30:14,440 Speaker 1: them all your way, but wishing you so much luck 575 00:30:14,520 --> 00:30:16,480 Speaker 1: and love, and thank you again for the kind words 576 00:30:16,480 --> 00:30:20,640 Speaker 1: and for listening to this show and to my lovely 577 00:30:20,680 --> 00:30:23,240 Speaker 1: co host Gig the First Gen Mentor, thank you for 578 00:30:23,320 --> 00:30:24,800 Speaker 1: joining me this week for ba QA. 579 00:30:25,520 --> 00:30:26,920 Speaker 2: Thanks for having me, Mandy. 580 00:30:27,520 --> 00:30:33,720 Speaker 1: Hi va fan. Until next time, Bye,