1 00:00:04,880 --> 00:00:09,480 Speaker 1: Hey, hey, hey, we're back. 2 00:00:09,880 --> 00:00:11,760 Speaker 2: We're black, We're brown. 3 00:00:13,200 --> 00:00:19,760 Speaker 1: Ambition ambition, ambition, ambition, ambition. Hey mandra, Hi, gorgeous. 4 00:00:19,880 --> 00:00:21,960 Speaker 2: How are you with your beautiful here today? 5 00:00:23,160 --> 00:00:26,079 Speaker 3: Well I'm hanging in there, you know, I am. But 6 00:00:26,520 --> 00:00:29,920 Speaker 3: the sun is shining. And we survived the biblical floods 7 00:00:30,080 --> 00:00:33,800 Speaker 3: in the on the on the East Coast on Friday. 8 00:00:34,560 --> 00:00:35,240 Speaker 2: That was fun. 9 00:00:36,200 --> 00:00:39,440 Speaker 3: It was It was biblical and I mean it, yeah, 10 00:00:39,479 --> 00:00:42,280 Speaker 3: it was nuts. But shout out to my community, my neighbors. 11 00:00:42,320 --> 00:00:45,960 Speaker 3: We all rallied together and one mom stayed at the 12 00:00:45,960 --> 00:00:48,760 Speaker 3: bus stop because so the other moms who were stuck 13 00:00:48,800 --> 00:00:50,800 Speaker 3: in traffic and couldn't get home for their kids pick 14 00:00:50,880 --> 00:00:54,920 Speaker 3: up early pickup dismissal and you know, and one of 15 00:00:54,920 --> 00:00:57,640 Speaker 3: my friends, one of my neighbors, Lynn, came and watched 16 00:00:57,800 --> 00:01:01,400 Speaker 3: my baby while I got early from school. 17 00:01:01,640 --> 00:01:02,640 Speaker 2: Walk You couldn't even drive. 18 00:01:02,760 --> 00:01:04,880 Speaker 3: Yeah, well I could have, but I didn't want to 19 00:01:04,880 --> 00:01:06,600 Speaker 3: get It would have been fine going there, but I 20 00:01:06,600 --> 00:01:09,200 Speaker 3: would have been stuck in so much traffic getting back 21 00:01:09,680 --> 00:01:11,720 Speaker 3: that I figured, let me just park the car. And 22 00:01:11,800 --> 00:01:13,680 Speaker 3: I just told myself, it's like ten city blocks, you 23 00:01:13,720 --> 00:01:15,440 Speaker 3: know what I mean. Like a New Yorker, you just 24 00:01:15,520 --> 00:01:19,520 Speaker 3: like whatever, and Rio had he had a ball. He 25 00:01:19,680 --> 00:01:23,679 Speaker 3: was like, this is fine. There's water features. Now there's police. Hell, 26 00:01:23,840 --> 00:01:28,440 Speaker 3: there's like police fireboats and fire trucks and fire people 27 00:01:28,600 --> 00:01:31,560 Speaker 3: and all this like commotion. And he was just he 28 00:01:31,600 --> 00:01:33,760 Speaker 3: told everyone he wanted to hear that. We saw lots 29 00:01:33,760 --> 00:01:37,959 Speaker 3: of flooding and the train station flooded. And but it 30 00:01:38,040 --> 00:01:42,440 Speaker 3: was I mean, neighbors, basements flooded, and we're we're lucky 31 00:01:42,440 --> 00:01:44,200 Speaker 3: we're on like a bit of a hill. But our 32 00:01:44,240 --> 00:01:47,240 Speaker 3: neighbors at the base of the hill, yeah, got flooded. 33 00:01:47,280 --> 00:01:49,640 Speaker 3: And my friend's car got flooded at the train station. 34 00:01:49,720 --> 00:01:54,040 Speaker 3: It's going to be totaled. So you know, I mean luckily, 35 00:01:54,360 --> 00:01:56,720 Speaker 3: no that I know of, no loss of life or 36 00:01:56,720 --> 00:02:00,520 Speaker 3: injuries near here. But it was bad. And in my 37 00:02:00,600 --> 00:02:03,320 Speaker 3: infinite wisdom, I was like, told the babysitter, you need 38 00:02:03,400 --> 00:02:05,680 Speaker 3: a home. It looks pretty bad out there. And then 39 00:02:05,840 --> 00:02:07,480 Speaker 3: well in school was like come get your kid. I 40 00:02:07,560 --> 00:02:12,760 Speaker 3: was like, oops, just shot myself and that's food. So 41 00:02:13,040 --> 00:02:16,000 Speaker 3: that's where my neighbor land came in. So okay, how 42 00:02:16,080 --> 00:02:16,960 Speaker 3: was it a new work? 43 00:02:17,160 --> 00:02:17,560 Speaker 2: It wasn't. 44 00:02:17,600 --> 00:02:19,880 Speaker 1: I mean, so I flew out' actually in Atlanta right now, 45 00:02:19,960 --> 00:02:23,079 Speaker 1: So when the rain started, I was flying out, thank god. 46 00:02:23,120 --> 00:02:24,720 Speaker 1: I mean, I don't know if they delayed any flights, 47 00:02:24,760 --> 00:02:26,880 Speaker 1: but I had a really early flight at seven am. 48 00:02:27,200 --> 00:02:30,000 Speaker 1: So I remember like like being like, what the hell 49 00:02:30,000 --> 00:02:33,239 Speaker 1: because it started raining the night before and in the morning, 50 00:02:33,280 --> 00:02:36,280 Speaker 1: I'm like, it's raining kind of hard, so much so 51 00:02:36,400 --> 00:02:38,280 Speaker 1: that like our uber, this never happened to me before. 52 00:02:38,280 --> 00:02:40,040 Speaker 1: We heard a big boom, like he drove to a 53 00:02:40,080 --> 00:02:43,120 Speaker 1: puddle and we heard this like big boom and the 54 00:02:43,280 --> 00:02:46,480 Speaker 1: tire blew out completely thankfully. I mean he had great 55 00:02:46,480 --> 00:02:48,520 Speaker 1: control in Atlanta. No, no, this is in Jersey. On 56 00:02:48,520 --> 00:02:49,280 Speaker 1: the way to the airport. 57 00:02:49,520 --> 00:02:50,919 Speaker 3: Oh, I was gonna say, in Atlanta, who got the 58 00:02:50,919 --> 00:02:52,960 Speaker 3: pothole posse? That was like a big thing back in 59 00:02:53,000 --> 00:02:53,639 Speaker 3: the nineties. 60 00:02:54,400 --> 00:02:57,560 Speaker 1: And I was like, what that never happened to before. Thankfully, 61 00:02:57,560 --> 00:02:59,760 Speaker 1: We're all okay. The uber driver was so nice. I 62 00:02:59,760 --> 00:03:02,800 Speaker 1: felt so bad because this tie was finitail. And so 63 00:03:02,840 --> 00:03:05,560 Speaker 1: another uber picked us up and took us to the airport. 64 00:03:06,680 --> 00:03:09,840 Speaker 1: And yeah, I got to Atlanta and the weather here 65 00:03:10,320 --> 00:03:13,200 Speaker 1: is like eighty degrees and I'm like, wait, I'm so confused. 66 00:03:13,240 --> 00:03:15,000 Speaker 2: Eighty and Sunday. I feel like I'm in the Caribbean. 67 00:03:15,480 --> 00:03:18,040 Speaker 3: Ah. Yeah, but this time of year it is not 68 00:03:18,080 --> 00:03:21,600 Speaker 3: incredibly humid. No, you can enjoy that little dry eighty 69 00:03:21,840 --> 00:03:22,400 Speaker 3: It is that. 70 00:03:22,880 --> 00:03:25,280 Speaker 1: Yes, I have to say, it's really I mean, I 71 00:03:25,320 --> 00:03:28,800 Speaker 1: like brought geens and I'm like why literally it's shortened 72 00:03:28,800 --> 00:03:29,440 Speaker 1: tank top weather. 73 00:03:29,639 --> 00:03:31,520 Speaker 2: I'm so confused. My body is like I'm confused. 74 00:03:32,600 --> 00:03:34,000 Speaker 3: You're probably gonna get sick now. 75 00:03:35,080 --> 00:03:38,680 Speaker 1: Because it's just really really so I'm out here because 76 00:03:38,680 --> 00:03:41,120 Speaker 1: I did this conference called a three C. 77 00:03:41,440 --> 00:03:43,280 Speaker 2: I said a three c AC three A three C, 78 00:03:43,800 --> 00:03:44,840 Speaker 2: which is like this. 79 00:03:44,840 --> 00:03:49,560 Speaker 1: Conference focused on finance, tech and entertainment, and so it 80 00:03:49,640 --> 00:03:52,720 Speaker 1: was great, Like the networking has been amazing. I forget 81 00:03:52,760 --> 00:03:56,600 Speaker 1: how people down south are so nice. Everyone is like, 82 00:03:56,640 --> 00:03:58,360 Speaker 1: you know, like sometimes you go to like a conference 83 00:03:58,360 --> 00:04:00,440 Speaker 1: and you speak or whatever, and you just feel like 84 00:04:00,480 --> 00:04:02,360 Speaker 1: the other speakers are not quite as welcoming. 85 00:04:02,840 --> 00:04:04,400 Speaker 2: But that is not the case here. 86 00:04:04,600 --> 00:04:08,800 Speaker 1: I've heard that, in particular that Atlanta, the black professionals 87 00:04:08,800 --> 00:04:11,000 Speaker 1: are really just open to being like I'm doing this, 88 00:04:11,600 --> 00:04:12,440 Speaker 1: how can I help you? 89 00:04:12,520 --> 00:04:13,800 Speaker 2: And you know, let's collaborate. 90 00:04:13,880 --> 00:04:16,719 Speaker 1: That there's this a collaborative kind of like energy here 91 00:04:16,760 --> 00:04:18,640 Speaker 1: and I mean I could see it full time, like 92 00:04:18,720 --> 00:04:23,840 Speaker 1: I'll give you an example, the master investor Ian his 93 00:04:24,279 --> 00:04:27,360 Speaker 1: he had a bodyguard. So Ian's like on that market 94 00:04:27,360 --> 00:04:30,240 Speaker 1: Mondays with Erner Leisure, you know, yeah yeah, and. 95 00:04:30,240 --> 00:04:32,360 Speaker 3: So we had him on the podcast with them mm hm. 96 00:04:32,480 --> 00:04:35,840 Speaker 1: Mm hmm yeah, and so like he had the bodyguard, bodyguard, 97 00:04:35,960 --> 00:04:38,640 Speaker 1: big guy, muscular, all this, and so I ended up 98 00:04:38,680 --> 00:04:39,920 Speaker 1: just talking to him and I was just like, you 99 00:04:39,960 --> 00:04:42,120 Speaker 1: know how you know, like, are your body gud for 100 00:04:42,160 --> 00:04:44,240 Speaker 1: other people? He named some other rappers. He's like, I'll 101 00:04:44,279 --> 00:04:46,320 Speaker 1: never want to do that work, he said, because rappers 102 00:04:46,320 --> 00:04:48,839 Speaker 1: are the biggest punks. He was like, you know, I've 103 00:04:48,839 --> 00:04:50,480 Speaker 1: had rappers punch people in the face and look at 104 00:04:50,480 --> 00:04:51,320 Speaker 1: me like you got them right. 105 00:04:51,600 --> 00:04:54,719 Speaker 2: It's like wait, Like he. 106 00:04:56,680 --> 00:04:58,760 Speaker 1: Was like, I would love to be like do more 107 00:04:58,839 --> 00:05:00,280 Speaker 1: like of the finance guys, which I I think it's 108 00:05:00,320 --> 00:05:02,920 Speaker 1: hilarious that finance guys now have like bodyguards, but whatever, 109 00:05:03,800 --> 00:05:05,760 Speaker 1: he said, because you know they're super chill. You're just 110 00:05:05,800 --> 00:05:07,479 Speaker 1: more so that no one's going to steal from you 111 00:05:07,640 --> 00:05:10,760 Speaker 1: or or whatever. And so but he was telling me, 112 00:05:10,800 --> 00:05:13,560 Speaker 1: he was like, actually, you know, like I'm an accountant 113 00:05:13,600 --> 00:05:13,960 Speaker 1: by trade. 114 00:05:14,000 --> 00:05:14,760 Speaker 2: I mean this guy is. 115 00:05:14,720 --> 00:05:17,560 Speaker 1: Massive, like six two sixty four, I mean muscles, on 116 00:05:17,680 --> 00:05:20,960 Speaker 1: muscles and I was like really. He was like, yeah, 117 00:05:21,000 --> 00:05:22,720 Speaker 1: you know, I started doing accounting and I really want 118 00:05:22,760 --> 00:05:25,000 Speaker 1: to get into finance. And he was like, so one 119 00:05:25,000 --> 00:05:26,960 Speaker 1: of the reasons I made the switch into doing body 120 00:05:27,360 --> 00:05:30,760 Speaker 1: bodyguard work for this industry is because proximity I. 121 00:05:30,680 --> 00:05:31,400 Speaker 2: Want to learn. 122 00:05:31,560 --> 00:05:33,880 Speaker 1: I just thought that was so awesome, you know, and 123 00:05:33,920 --> 00:05:35,960 Speaker 1: he was like he is away cover. Yeah, and I 124 00:05:36,040 --> 00:05:38,599 Speaker 1: just love that for him. I was like, okay, so yeah, 125 00:05:38,640 --> 00:05:39,320 Speaker 1: So it was just. 126 00:05:39,240 --> 00:05:43,560 Speaker 3: You've mentioned before that financial like pros influencers now have bodyguards, 127 00:05:43,600 --> 00:05:45,799 Speaker 3: and I was like, wow, we reached that stage. 128 00:05:46,160 --> 00:05:48,320 Speaker 1: Yeah, I don't know, not me, because he asked me, 129 00:05:48,360 --> 00:05:51,279 Speaker 1: did I have one? And I was like, no, No, 130 00:05:51,320 --> 00:05:52,000 Speaker 1: one's run. 131 00:05:51,880 --> 00:05:52,679 Speaker 2: Up on only. 132 00:05:53,440 --> 00:05:56,040 Speaker 3: Yeah, I would be shit, but your vibe is different 133 00:05:56,080 --> 00:06:00,720 Speaker 3: than some Yeah, I have a master investor with his marketing. Yeah, 134 00:06:00,800 --> 00:06:01,799 Speaker 3: it could be a target. 135 00:06:03,400 --> 00:06:05,479 Speaker 2: You know me, I'm gonna target Marshall's girls. So you 136 00:06:05,480 --> 00:06:06,720 Speaker 2: go see me there and be like, hey, girl, we're 137 00:06:06,760 --> 00:06:07,320 Speaker 2: gonna run. 138 00:06:07,160 --> 00:06:07,880 Speaker 3: On say that a lot. 139 00:06:07,880 --> 00:06:08,400 Speaker 2: I see why. 140 00:06:08,440 --> 00:06:14,960 Speaker 3: Now, don't take me for ransom. No, my family can 141 00:06:15,000 --> 00:06:17,800 Speaker 3: afford me. I'm the money. Ooh, maybe they'll take someone. 142 00:06:17,839 --> 00:06:20,760 Speaker 3: Oh no, not baby, Lisa. This is where my head 143 00:06:20,800 --> 00:06:22,440 Speaker 3: is going, they're gonna kidnap you, so they're gonna hold 144 00:06:22,480 --> 00:06:24,280 Speaker 3: you for ransoms, gonna be all this crypto. 145 00:06:24,400 --> 00:06:27,560 Speaker 2: Okay, but but I do that. I just so, yeah, 146 00:06:27,560 --> 00:06:29,119 Speaker 2: it's just been like that was really cool. 147 00:06:29,680 --> 00:06:33,240 Speaker 1: But I wanted to talk about like so it was 148 00:06:33,279 --> 00:06:36,240 Speaker 1: so crazy because you know, the phones be listening. So 149 00:06:36,440 --> 00:06:38,400 Speaker 1: when I was I landed in Atlanta and I'd opened 150 00:06:38,440 --> 00:06:41,520 Speaker 1: up my Instagram and there was this post saying that 151 00:06:41,880 --> 00:06:44,840 Speaker 1: the Atlanta that nobody wants you to see. And I 152 00:06:44,880 --> 00:06:47,200 Speaker 1: was like, huh, And it was like this post of 153 00:06:47,240 --> 00:06:50,680 Speaker 1: this woman who was showing parts of downtown Atlanta where 154 00:06:50,720 --> 00:06:53,279 Speaker 1: like just a lot of unhoused people, just like areas 155 00:06:53,279 --> 00:06:55,720 Speaker 1: that were little CD looking and I was like, this 156 00:06:55,839 --> 00:06:55,960 Speaker 1: is like. 157 00:06:56,000 --> 00:06:56,640 Speaker 2: When I first. 158 00:06:56,520 --> 00:06:59,200 Speaker 1: Landed, I didn't think anything of it until I got 159 00:06:59,200 --> 00:07:02,240 Speaker 1: to to my hotel where I'm staying. It's in midtown, 160 00:07:02,520 --> 00:07:07,800 Speaker 1: like literally well directly downtown downtown, and the day I landed, 161 00:07:07,800 --> 00:07:09,680 Speaker 1: it was still we landed pretty early, and I said, oh, well, 162 00:07:09,720 --> 00:07:11,640 Speaker 1: you know me, I love my walks. I said, let 163 00:07:11,640 --> 00:07:14,120 Speaker 1: me go for a walk. I can say I have 164 00:07:14,200 --> 00:07:18,800 Speaker 1: traveled to many different places. I mean just this year alone, Egypt, Kenya, 165 00:07:19,400 --> 00:07:23,040 Speaker 1: you know London, Paris, off Ey Coast, and I live 166 00:07:23,080 --> 00:07:26,200 Speaker 1: in Newark. I have not felt unsafe like this in 167 00:07:26,240 --> 00:07:31,160 Speaker 1: a long time. Downtown there were so many unhoused people. 168 00:07:31,680 --> 00:07:33,880 Speaker 1: And it wasn't the unhoused park, but it was the 169 00:07:34,000 --> 00:07:38,280 Speaker 1: unhoused that were unwell. It was there were so many 170 00:07:38,400 --> 00:07:42,520 Speaker 1: aggressive like either whereabouts. 171 00:07:42,160 --> 00:07:44,720 Speaker 3: Which is that just downtown? Like where are we talking? Yeah? 172 00:07:45,120 --> 00:07:45,640 Speaker 3: A landmark? 173 00:07:46,000 --> 00:07:50,960 Speaker 1: So okay, so I'm not really good at like. 174 00:07:49,720 --> 00:07:52,720 Speaker 3: Like Centennial Park at Mercedes Stadium. 175 00:07:52,920 --> 00:07:55,880 Speaker 1: Yeah, so by Mercedes Stadium, but also too by like 176 00:07:55,920 --> 00:07:58,720 Speaker 1: Peach peaked Peach was it Peach Street? 177 00:07:58,800 --> 00:07:59,960 Speaker 3: Okay, well there's seventy five. 178 00:08:00,480 --> 00:08:03,840 Speaker 1: I know, I'm just like I mean, but like like 179 00:08:04,080 --> 00:08:05,960 Speaker 1: I'm saying, I think, like the chance is that the 180 00:08:06,040 --> 00:08:08,080 Speaker 1: Candler Hotel, which is like right downtown. 181 00:08:08,760 --> 00:08:12,280 Speaker 2: Okay, I can't even I'm just like, you know. 182 00:08:12,240 --> 00:08:15,760 Speaker 1: I don't have my my my my barrier. But I mean, 183 00:08:15,760 --> 00:08:18,800 Speaker 1: but even I walked about three miles one way and back, 184 00:08:18,840 --> 00:08:21,160 Speaker 1: you know, so I got to see, like I mean, 185 00:08:21,160 --> 00:08:23,080 Speaker 1: certainly there are parts I'm like, oh, okay, this is 186 00:08:23,080 --> 00:08:25,320 Speaker 1: clearly a part like you know them. 187 00:08:25,920 --> 00:08:31,760 Speaker 2: Gets a little nicer, yes, But I was really shocked. 188 00:08:31,480 --> 00:08:33,800 Speaker 1: Like like I said, unhouse people you know, I see 189 00:08:34,160 --> 00:08:36,880 Speaker 1: all the time, but the amount that were I don't 190 00:08:36,920 --> 00:08:40,760 Speaker 1: know whether it was you know, under the influence or 191 00:08:40,800 --> 00:08:44,920 Speaker 1: there's just mental health, but the the sheer amount. Maybe 192 00:08:44,920 --> 00:08:48,320 Speaker 1: there was literally street where the whole street was just 193 00:08:48,800 --> 00:08:52,120 Speaker 1: people laying and not just laying like you know, like 194 00:08:52,520 --> 00:08:54,800 Speaker 1: off to the side, but in the middle of the sidewalk. 195 00:08:55,559 --> 00:08:57,959 Speaker 1: I just was like, wait, what it seemed like a movie, 196 00:08:58,000 --> 00:09:01,280 Speaker 1: like it seemed you could film of zombie Apocalypse and 197 00:09:01,280 --> 00:09:02,720 Speaker 1: be like you don't have to twitch anything. 198 00:09:03,600 --> 00:09:04,520 Speaker 2: And I just I've. 199 00:09:04,320 --> 00:09:06,440 Speaker 1: Never seen there was so so you know, the Martyr, 200 00:09:06,480 --> 00:09:08,840 Speaker 1: so you know, the big five points Marta. 201 00:09:09,840 --> 00:09:11,760 Speaker 2: That was when it was like the word I was. 202 00:09:12,280 --> 00:09:15,760 Speaker 1: There was one side of downtown Atlanta on that that 203 00:09:16,360 --> 00:09:20,559 Speaker 1: train station, and the other side I never it looked 204 00:09:20,600 --> 00:09:21,559 Speaker 1: like and abandoned. 205 00:09:21,800 --> 00:09:23,319 Speaker 2: Like I can't even describe it. 206 00:09:23,520 --> 00:09:25,800 Speaker 1: There must have been like fifty or sixty men standing 207 00:09:25,800 --> 00:09:30,000 Speaker 1: outside of this Walgreens just kind of like standing waiting, 208 00:09:30,160 --> 00:09:32,400 Speaker 1: I don't know for you know, like and it just 209 00:09:32,679 --> 00:09:37,360 Speaker 1: was heartbreaking to see. And I just I didn't I 210 00:09:37,720 --> 00:09:40,040 Speaker 1: guess I'm like, I honestly was at a loss for words. 211 00:09:40,559 --> 00:09:42,120 Speaker 2: You know. There were parts where I'm like this is 212 00:09:42,160 --> 00:09:43,680 Speaker 2: the this is where it's. 213 00:09:43,760 --> 00:09:46,760 Speaker 1: The smell of urine made me gag, Like right outside 214 00:09:46,800 --> 00:09:49,120 Speaker 1: the Martar station where I'm just like, people are just 215 00:09:49,160 --> 00:09:52,400 Speaker 1: like literally police tapping people to see are they still 216 00:09:52,440 --> 00:09:54,719 Speaker 1: here with us? Because of the way they were just 217 00:09:54,800 --> 00:09:58,120 Speaker 1: laid out. I've never seen anything like it, and so 218 00:09:58,320 --> 00:10:02,240 Speaker 1: I I went. They had this African Caribbean festival. I 219 00:10:02,240 --> 00:10:04,280 Speaker 1: went there yesterday, which was great fun, It was great. 220 00:10:04,600 --> 00:10:07,000 Speaker 1: And on the way back, I ordered an uber and 221 00:10:07,240 --> 00:10:09,480 Speaker 1: it was this young woman who I went to high 222 00:10:09,480 --> 00:10:10,240 Speaker 1: school with, Keana. 223 00:10:10,280 --> 00:10:12,800 Speaker 2: I was, Oh, my god, Keana, what are you doing here? 224 00:10:12,800 --> 00:10:14,400 Speaker 1: You know she lives she grew up in Jersey and 225 00:10:14,400 --> 00:10:16,200 Speaker 1: we just got to talking and I asked her about it. 226 00:10:16,240 --> 00:10:19,000 Speaker 1: She said, yeah, it's been getting worse and worse and worse. 227 00:10:19,120 --> 00:10:23,719 Speaker 1: And then she informed me that in August alone, I think, 228 00:10:23,720 --> 00:10:25,720 Speaker 1: I want to say, she said August or maybe the July, 229 00:10:26,160 --> 00:10:30,600 Speaker 1: there were eighty thousand evictions, not in the state of Georgia, 230 00:10:31,000 --> 00:10:35,360 Speaker 1: in Atlanta alone, and I was just like, what's really 231 00:10:35,400 --> 00:10:41,119 Speaker 1: happening that it is becoming it gets becoming too expensive 232 00:10:41,160 --> 00:10:45,760 Speaker 1: for basic needs. Everything is going up but income, and 233 00:10:45,840 --> 00:10:48,720 Speaker 1: so I'm just wondering, like city to city to city 234 00:10:49,280 --> 00:10:52,000 Speaker 1: is this kind of like what's happening, you know what 235 00:10:52,040 --> 00:10:55,320 Speaker 1: I mean, Like where people just don't even like you 236 00:10:55,360 --> 00:10:58,040 Speaker 1: can't we talk about like, oh I can't afford a house, 237 00:10:58,160 --> 00:11:01,800 Speaker 1: That's one thing, but literally I can't afford to have 238 00:11:01,840 --> 00:11:03,880 Speaker 1: a safe place to lay my head. It seems like 239 00:11:03,960 --> 00:11:04,840 Speaker 1: that's what's happening. 240 00:11:04,840 --> 00:11:05,080 Speaker 3: Now. 241 00:11:05,240 --> 00:11:08,640 Speaker 1: I've read someplace too that the current president has this 242 00:11:08,800 --> 00:11:12,560 Speaker 1: like affordability housing crisis, like kind of my task force 243 00:11:12,640 --> 00:11:17,200 Speaker 1: or something that like, because yeah, I just well. 244 00:11:17,120 --> 00:11:18,880 Speaker 3: The thing is, and you know, I knew you were 245 00:11:18,880 --> 00:11:22,160 Speaker 3: going to talk about this, and I was coming today 246 00:11:22,160 --> 00:11:26,360 Speaker 3: to talk about the childcare cliff because my store, my 247 00:11:26,400 --> 00:11:30,200 Speaker 3: head heads at is like, you know, the incredible cost 248 00:11:30,200 --> 00:11:32,400 Speaker 3: of childcare and how little we give a fuck about 249 00:11:32,440 --> 00:11:36,440 Speaker 3: children in this country. And it's so sad. I'm like 250 00:11:36,520 --> 00:11:38,480 Speaker 3: shaking my grippy socks that I got so I will 251 00:11:38,520 --> 00:11:42,920 Speaker 3: slip in my heartwood floors and in my research over that, 252 00:11:43,080 --> 00:11:45,560 Speaker 3: I'm like, and you talking about this. These are I 253 00:11:45,559 --> 00:11:49,280 Speaker 3: feel like two issues that have been well, they were 254 00:11:49,280 --> 00:11:53,960 Speaker 3: already in existence right pre pandemic. The unhoused you know 255 00:11:54,040 --> 00:11:56,600 Speaker 3: in Atlanta. I mean, go back to the Olympics, if 256 00:11:56,640 --> 00:11:58,400 Speaker 3: you recall like in the nineties when we had the 257 00:11:58,400 --> 00:12:01,400 Speaker 3: Olympics in Atlanta, it was a city too busy to hate, 258 00:12:01,440 --> 00:12:03,760 Speaker 3: you know, and they all have the sparkling marketing campaign, 259 00:12:03,840 --> 00:12:06,640 Speaker 3: and yet they were like shoveling the homeless off the 260 00:12:06,679 --> 00:12:09,520 Speaker 3: steps of downtown Atlanta, like get out of here. We 261 00:12:09,559 --> 00:12:11,560 Speaker 3: don't want this on the brochure, you know, we don't 262 00:12:11,559 --> 00:12:14,160 Speaker 3: want people like you Tiffany visiting Atlanta for the Olympics 263 00:12:14,160 --> 00:12:16,240 Speaker 3: and being distracted by this riff rap, you know, this 264 00:12:17,160 --> 00:12:19,200 Speaker 3: the mess under the bed, the mess that we shove 265 00:12:19,240 --> 00:12:23,080 Speaker 3: in the closet, and I you know, and yeah, and 266 00:12:23,120 --> 00:12:27,280 Speaker 3: Atlanta is victim to the same forces that have pushed out, 267 00:12:29,000 --> 00:12:32,880 Speaker 3: you know, low to middle income people. Even in New York, 268 00:12:33,000 --> 00:12:38,360 Speaker 3: where I moved to thirteen yeah, thirteen years ago, you 269 00:12:38,440 --> 00:12:40,800 Speaker 3: get pushed further and further and further away. You're not 270 00:12:40,840 --> 00:12:44,319 Speaker 3: erasing the problem, but because of rising prices and gentrification 271 00:12:45,840 --> 00:12:49,320 Speaker 3: and no social safety nets, you just you know, shove 272 00:12:49,360 --> 00:12:52,880 Speaker 3: the problem out. And I think in Atlanta, what's interesting 273 00:12:53,000 --> 00:12:58,360 Speaker 3: and not interesting? But in New York there's Heidi holes, 274 00:12:58,440 --> 00:13:01,200 Speaker 3: there's everything is so big and so massive, and there's 275 00:13:01,200 --> 00:13:05,000 Speaker 3: so many distractions, and you have the subway system where 276 00:13:05,000 --> 00:13:08,000 Speaker 3: a lot of the unhoused will seek refuge and you 277 00:13:08,040 --> 00:13:11,319 Speaker 3: have you do have shelters, but they're tucked away and 278 00:13:11,559 --> 00:13:14,720 Speaker 3: you know there's I think they they sort of and 279 00:13:14,760 --> 00:13:17,680 Speaker 3: with the yeah, they're spread. You know, it's so much 280 00:13:17,880 --> 00:13:22,000 Speaker 3: area in Atlanta, I think because the relationship most people 281 00:13:22,120 --> 00:13:24,439 Speaker 3: have with the city is through driving. Like you don't 282 00:13:24,520 --> 00:13:27,880 Speaker 3: walk Atlanta. Like you were walking Atlanta, you don't typically 283 00:13:27,880 --> 00:13:30,000 Speaker 3: do that. The city is moving toward more of a 284 00:13:30,000 --> 00:13:34,440 Speaker 3: walking culture. They finally have the the what do you 285 00:13:34,480 --> 00:13:38,160 Speaker 3: call that that pathway everyone walks on in Atlanta. I can't. 286 00:13:38,280 --> 00:13:42,560 Speaker 3: I can't think of it anyway. But so all that 287 00:13:42,600 --> 00:13:45,320 Speaker 3: to say is it was already a problem. But that 288 00:13:45,840 --> 00:13:49,040 Speaker 3: and also the lack of childcare, they were both issues before. 289 00:13:49,720 --> 00:13:53,080 Speaker 3: But during the pandemic what happened. We finally got our 290 00:13:53,120 --> 00:13:56,199 Speaker 3: shit together and had some social safety nets put in place. 291 00:13:56,240 --> 00:13:58,720 Speaker 3: So you had the eviction moratorium, which is one thing 292 00:13:59,200 --> 00:14:04,000 Speaker 3: that was put in place that until this past summer. 293 00:14:04,040 --> 00:14:06,200 Speaker 3: A lot of the in Atlanta is one of those states, 294 00:14:06,280 --> 00:14:09,520 Speaker 3: or sorry, one of those cities where the eviction moratorium 295 00:14:09,559 --> 00:14:12,199 Speaker 3: expired and they chose not to continue it. And that's 296 00:14:12,200 --> 00:14:14,880 Speaker 3: where you got that eighty thousand, you know number, and 297 00:14:14,880 --> 00:14:16,880 Speaker 3: then I looked in September it was twelve thousand, So 298 00:14:16,920 --> 00:14:19,320 Speaker 3: it's come down from that peak. But you see how 299 00:14:19,320 --> 00:14:21,880 Speaker 3: many people were on the cusp, you know. And at 300 00:14:21,880 --> 00:14:24,960 Speaker 3: the same time, we also right now are just fell 301 00:14:24,960 --> 00:14:28,440 Speaker 3: off of a childcare cliff, Like all this extra funding 302 00:14:28,480 --> 00:14:31,880 Speaker 3: that the government provided childcare centers during the pandemic so 303 00:14:31,960 --> 00:14:34,040 Speaker 3: they could stay open, so they could pay their staff 304 00:14:35,440 --> 00:14:38,480 Speaker 3: has also expired. And I'm having a I know that 305 00:14:38,520 --> 00:14:42,000 Speaker 3: we averted the government shut down, and I don't know 306 00:14:42,040 --> 00:14:44,400 Speaker 3: if it's because it's just not a headline issue, but 307 00:14:44,440 --> 00:14:47,040 Speaker 3: I can't figure out did we go over the cliff? 308 00:14:47,160 --> 00:14:49,240 Speaker 3: I don't I think we did. I don't think it 309 00:14:49,320 --> 00:14:51,280 Speaker 3: was saved in this forty five day extension of the 310 00:14:51,280 --> 00:14:57,320 Speaker 3: federal budget. So I without these and I'm not saying 311 00:14:57,320 --> 00:15:02,359 Speaker 3: that the eviction moratorium that was never going to solve homelessness. 312 00:15:02,440 --> 00:15:05,240 Speaker 3: It was it was bad for landowners land you know, 313 00:15:06,280 --> 00:15:09,880 Speaker 3: landlords and you know homeowners and home and all that 314 00:15:09,920 --> 00:15:13,840 Speaker 3: it was. It wasn't a perfect solution. Neither would injecting 315 00:15:13,880 --> 00:15:17,120 Speaker 3: an infusion of cash into childcare because the reality is 316 00:15:17,120 --> 00:15:20,440 Speaker 3: that it's just so expensive and families can't afford it, 317 00:15:20,480 --> 00:15:23,360 Speaker 3: so they needed those subsidies or else they would have 318 00:15:23,400 --> 00:15:26,200 Speaker 3: to start as they have been passing on the cost 319 00:15:26,280 --> 00:15:31,640 Speaker 3: to families and losing customers that way, or losing their 320 00:15:31,680 --> 00:15:36,560 Speaker 3: staff to like my son's daycare that he used to 321 00:15:36,560 --> 00:15:39,960 Speaker 3: go to before I finally got access to you universal 322 00:15:40,000 --> 00:15:43,040 Speaker 3: pre K, they had several of his teachers that quit 323 00:15:43,160 --> 00:15:46,080 Speaker 3: in the last few months. And this daycare was known 324 00:15:46,120 --> 00:15:47,920 Speaker 3: for not having a lot of turnover, which is quite 325 00:15:48,240 --> 00:15:51,680 Speaker 3: you know, hard to do, and it was like they 326 00:15:51,680 --> 00:15:54,400 Speaker 3: were getting higher wages somewhere else. You know, these were 327 00:15:54,440 --> 00:15:57,920 Speaker 3: great people that they lost, and it's just it just 328 00:15:57,960 --> 00:16:00,920 Speaker 3: makes me think of the lack of so safety nets. 329 00:16:00,920 --> 00:16:03,240 Speaker 3: And call me a bleeding heart liberal all you want, 330 00:16:03,320 --> 00:16:07,560 Speaker 3: but not we have. We can't not care about the 331 00:16:07,600 --> 00:16:15,800 Speaker 3: most vulnerable children, the chronically mentally ill, of course, the elderly. 332 00:16:16,600 --> 00:16:17,760 Speaker 2: I don't know if you can feel it, but I 333 00:16:17,800 --> 00:16:19,000 Speaker 2: can feel it just. 334 00:16:18,880 --> 00:16:21,200 Speaker 1: From just talking casually to friends that we're doing fine, 335 00:16:21,720 --> 00:16:24,360 Speaker 1: who are not doing fine. I'm talking about people who 336 00:16:24,360 --> 00:16:29,040 Speaker 1: have you know, college education and degrees and experience and 337 00:16:29,360 --> 00:16:31,640 Speaker 1: haven't at work for months and months and months. I mean, 338 00:16:31,680 --> 00:16:34,600 Speaker 1: you see it with your many money makers, you know, 339 00:16:34,760 --> 00:16:37,800 Speaker 1: I feel like we're in this like dangerous tipping point 340 00:16:38,440 --> 00:16:42,480 Speaker 1: where you know, the economy is you know, I mean 341 00:16:42,640 --> 00:16:44,720 Speaker 1: one of the things I heard on the panel over 342 00:16:44,760 --> 00:16:46,920 Speaker 1: and over. I was on the financial panel with ian 343 00:16:47,960 --> 00:16:52,040 Speaker 1: master investor, a really big real estate investor. His name 344 00:16:52,040 --> 00:16:55,320 Speaker 1: is Cedric Nash Melinda high Tower. I think she is 345 00:16:55,440 --> 00:16:59,560 Speaker 1: the oh I forget, she is the managing director. I 346 00:16:59,560 --> 00:17:03,200 Speaker 1: think of like USB UBS that's a big a of 347 00:17:03,240 --> 00:17:04,440 Speaker 1: their multicultural it's a. 348 00:17:04,359 --> 00:17:06,520 Speaker 3: Big BBS the bank, the investment bank. 349 00:17:06,640 --> 00:17:10,320 Speaker 1: Yeah yeah, and then MAC and so. One of the 350 00:17:10,320 --> 00:17:12,440 Speaker 1: things that came up is that like, you know, whether 351 00:17:12,440 --> 00:17:15,679 Speaker 1: they call it or not, you know that we are 352 00:17:15,760 --> 00:17:18,719 Speaker 1: headed towards some rush rough financial times. 353 00:17:18,720 --> 00:17:19,760 Speaker 2: But I mean you can see it. 354 00:17:20,000 --> 00:17:24,600 Speaker 1: I saw someone posts they they use an app to 355 00:17:24,720 --> 00:17:27,400 Speaker 1: order groceries, and they said, let me show you how 356 00:17:27,440 --> 00:17:30,120 Speaker 1: much my groceries cost in twenty twenty versus twenty twenty three, 357 00:17:30,440 --> 00:17:32,919 Speaker 1: And it was like this water I normally get, you know, 358 00:17:33,000 --> 00:17:36,440 Speaker 1: the same quantity was, you know, four dollars now it's 359 00:17:36,480 --> 00:17:37,480 Speaker 1: six seventy five. 360 00:17:38,160 --> 00:17:42,520 Speaker 2: Things were some things you know up one hundred. And 361 00:17:42,560 --> 00:17:43,960 Speaker 2: it's like, how. 362 00:17:45,560 --> 00:17:49,199 Speaker 1: Like I don't I think people don't I've you know, 363 00:17:49,280 --> 00:17:51,879 Speaker 1: my parents are from a country when where there is 364 00:17:51,880 --> 00:17:55,800 Speaker 1: no middle class and it's just uber wealthy and the 365 00:17:55,880 --> 00:17:58,560 Speaker 1: vast majority of people don't have and it makes for 366 00:17:58,720 --> 00:18:01,960 Speaker 1: very dangerous living. Because I did not feel safe walking 367 00:18:02,000 --> 00:18:05,119 Speaker 1: down downtown two o'clock in the afternoon Atlanta. 368 00:18:05,920 --> 00:18:07,919 Speaker 2: I mean, the like. 369 00:18:08,280 --> 00:18:10,280 Speaker 1: People were just approaching me in ways that were really 370 00:18:10,280 --> 00:18:13,600 Speaker 1: aggressive and scary, and I, like, I said, I live 371 00:18:13,640 --> 00:18:15,560 Speaker 1: in Newark, where I'm just like, okay, you know, I've 372 00:18:15,560 --> 00:18:17,040 Speaker 1: never felt unsafe walking downtown Newark. 373 00:18:17,040 --> 00:18:18,480 Speaker 2: I'm just like, you know, you keep your eyes about you, 374 00:18:18,480 --> 00:18:19,120 Speaker 2: You're like okay. 375 00:18:19,240 --> 00:18:22,760 Speaker 1: But no, it was a different level of aggression that 376 00:18:22,920 --> 00:18:28,560 Speaker 1: I had not experienced. So I just am there is 377 00:18:28,640 --> 00:18:31,159 Speaker 1: something happening, and there's a shift coming that's not a 378 00:18:31,200 --> 00:18:31,680 Speaker 1: good one. 379 00:18:31,720 --> 00:18:33,560 Speaker 2: And I can feel like I can feel in. 380 00:18:33,520 --> 00:18:35,479 Speaker 1: The people that I serve because the advice I used 381 00:18:35,520 --> 00:18:37,840 Speaker 1: to give before was like management, It's like, okay, and 382 00:18:38,520 --> 00:18:41,120 Speaker 1: make a little more here, budget tighter here. And now 383 00:18:41,160 --> 00:18:44,560 Speaker 1: it's like that doesn't work unless I don't eat, don't this, 384 00:18:44,680 --> 00:18:45,200 Speaker 1: don't like it. 385 00:18:46,280 --> 00:18:48,480 Speaker 2: Yeah, it's just really worrying, and I'm not really sure 386 00:18:48,480 --> 00:18:49,159 Speaker 2: what to do about it. 387 00:18:49,200 --> 00:18:53,240 Speaker 3: I just yeah, you say you mentioned a tipping point 388 00:18:53,359 --> 00:18:56,560 Speaker 3: and I also makes me think of what's happening in 389 00:18:56,560 --> 00:18:58,879 Speaker 3: New York very much on our doorstep is the migrant 390 00:18:58,960 --> 00:19:03,719 Speaker 3: crisis and the fact that the governor of Texas and 391 00:19:03,840 --> 00:19:08,360 Speaker 3: legislators there bust migrants from the border to you know, 392 00:19:08,480 --> 00:19:14,159 Speaker 3: these coastal cities like New York, DC, and New York has, 393 00:19:14,400 --> 00:19:16,600 Speaker 3: like you the picture you were painting of Atlanta is 394 00:19:16,600 --> 00:19:20,040 Speaker 3: what downtown you know, Manhattan has been looking like because 395 00:19:20,160 --> 00:19:22,880 Speaker 3: all these migrants are here and they don't have anywhere 396 00:19:22,920 --> 00:19:25,639 Speaker 3: to go. They're overrun with housing. And New York actually 397 00:19:25,640 --> 00:19:28,600 Speaker 3: has this law that a lot of people didn't realize 398 00:19:28,720 --> 00:19:30,720 Speaker 3: or didn't know about so much until now that if 399 00:19:30,760 --> 00:19:32,760 Speaker 3: you come to New York, you're guaranteed a roof over 400 00:19:32,800 --> 00:19:35,240 Speaker 3: your head. I figure what the law is called. So 401 00:19:35,359 --> 00:19:39,080 Speaker 3: a lot of you know people, these migrants, when they 402 00:19:39,080 --> 00:19:41,639 Speaker 3: get here, you know, they're just like shepherded here and 403 00:19:41,720 --> 00:19:43,720 Speaker 3: uses the political football. But then they're like, oh, new 404 00:19:43,800 --> 00:19:46,119 Speaker 3: York has this guaranteed housing thing, let's tell everyone. And 405 00:19:46,160 --> 00:19:48,560 Speaker 3: so New York's kind of becoming like more of a 406 00:19:48,600 --> 00:19:52,440 Speaker 3: destination because of this policy, which is you know, proliferating 407 00:19:52,480 --> 00:19:56,320 Speaker 3: that problem we already couldn't handle. The unhoused before these 408 00:19:56,359 --> 00:20:00,359 Speaker 3: migrants came, however, and it is it's become very artists 409 00:20:00,359 --> 00:20:03,160 Speaker 3: and Republicans sent them here to make a point that, 410 00:20:04,080 --> 00:20:08,399 Speaker 3: you know, your lack of immigration policy reform, I know 411 00:20:08,440 --> 00:20:10,600 Speaker 3: that it's everyone's, but yeah, of course pointing the thing 412 00:20:10,640 --> 00:20:14,960 Speaker 3: are at Democrats like what if it's on your doorstep? 413 00:20:15,359 --> 00:20:17,320 Speaker 3: Would you be as lacks of daisical as you have 414 00:20:17,440 --> 00:20:19,800 Speaker 3: been about this kind of issue? And you know what 415 00:20:19,840 --> 00:20:22,280 Speaker 3: the reality is? They kind of have a point. Yeah, 416 00:20:22,720 --> 00:20:25,160 Speaker 3: sometimes you need it to be on your own goddamn doorsteps, 417 00:20:25,240 --> 00:20:28,760 Speaker 3: in your face, hurting your and you know, your nostrils 418 00:20:28,840 --> 00:20:33,879 Speaker 3: being in you know, assaulted by the stench, your life 419 00:20:33,880 --> 00:20:36,639 Speaker 3: at risk. And then you can just expand the same argument, 420 00:20:36,720 --> 00:20:40,000 Speaker 3: the same thing out to so many other issues, gun violence, 421 00:20:40,720 --> 00:20:44,000 Speaker 3: you know, until it's your child, I didn't care about kids, 422 00:20:44,000 --> 00:20:47,000 Speaker 3: and I'll admit it until I had my own, which 423 00:20:47,040 --> 00:20:49,560 Speaker 3: is a damn shame. There's like a lack of empathy, 424 00:20:49,640 --> 00:20:53,200 Speaker 3: a lack of caring for people that are out of sight, 425 00:20:53,240 --> 00:20:56,400 Speaker 3: out of mind, And I don't know what the solution 426 00:20:56,520 --> 00:21:01,200 Speaker 3: for that is other than you know, the pandemic took 427 00:21:01,240 --> 00:21:03,399 Speaker 3: away the distractions that so many of us had to 428 00:21:03,400 --> 00:21:06,360 Speaker 3: stop from looking at these issues. And when things got 429 00:21:06,400 --> 00:21:06,800 Speaker 3: back to. 430 00:21:07,280 --> 00:21:09,040 Speaker 2: Normal, they're worse than before. 431 00:21:09,200 --> 00:21:11,960 Speaker 3: We went right back to our old habits, our old 432 00:21:11,960 --> 00:21:13,720 Speaker 3: ways anything, and they're worse than ever. 433 00:21:14,280 --> 00:21:16,639 Speaker 1: And I think to myself of like, because I was 434 00:21:16,640 --> 00:21:18,920 Speaker 1: talking to a couple, like some of my young mentees, 435 00:21:19,480 --> 00:21:22,680 Speaker 1: and you know, they felt immune because you know, they 436 00:21:22,680 --> 00:21:26,639 Speaker 1: were gigging it to success, you know, they social media 437 00:21:26,800 --> 00:21:29,320 Speaker 1: TikTok it. Well, I'm making money, making money, so much 438 00:21:29,320 --> 00:21:33,200 Speaker 1: of that is dried up, honestly. And now they're like, wait, 439 00:21:33,720 --> 00:21:36,080 Speaker 1: you mean to tell me that YouTube is not going 440 00:21:36,119 --> 00:21:39,199 Speaker 1: to save me? So what do I do now? And 441 00:21:39,280 --> 00:21:41,840 Speaker 1: so that's what's coming up, and they're like, I think 442 00:21:41,880 --> 00:21:43,560 Speaker 1: I have to get a job. This is what I 443 00:21:43,560 --> 00:21:45,640 Speaker 1: part from a few of my you know, young mentees. 444 00:21:46,200 --> 00:21:48,600 Speaker 1: But I'm not even sure what does that look like. 445 00:21:48,640 --> 00:21:51,440 Speaker 1: I haven't had one, and I'm like, oh my god, 446 00:21:52,080 --> 00:21:52,760 Speaker 1: I'm gonna lie. 447 00:21:52,760 --> 00:21:53,760 Speaker 2: I feel like chicken little. 448 00:21:53,840 --> 00:21:58,919 Speaker 3: This guy is probably this guy? Oh god, I know 449 00:21:59,640 --> 00:22:02,359 Speaker 3: that means be worried for Generation Z and the what 450 00:22:02,480 --> 00:22:05,199 Speaker 3: is it after them? I don't know, but thinking that 451 00:22:05,960 --> 00:22:11,040 Speaker 3: influencer is any different than a I mean or or 452 00:22:11,119 --> 00:22:15,080 Speaker 3: you know, influencer, an entrepreneur. I suppose you could call 453 00:22:15,200 --> 00:22:19,800 Speaker 3: influencing entrepreneurial. Sure, but unless you got a business case, 454 00:22:19,840 --> 00:22:22,280 Speaker 3: a business structure, a business plan, you treat it like 455 00:22:22,280 --> 00:22:28,360 Speaker 3: a business. That'd be like McDonald's, you know, only ever 456 00:22:28,440 --> 00:22:32,360 Speaker 3: serving French fries, like we're a French fry restaurant, Come 457 00:22:32,400 --> 00:22:36,639 Speaker 3: get your fringe fries, and ignoring the other ways. The 458 00:22:36,760 --> 00:22:40,320 Speaker 3: other you know, things products and services that people need 459 00:22:41,680 --> 00:22:45,200 Speaker 3: to diversify their their own revenue streams. And I've always 460 00:22:45,240 --> 00:22:48,040 Speaker 3: I've had I've taken that approach as an influencer myself. 461 00:22:48,520 --> 00:22:51,080 Speaker 3: I don't think of myself as an influencer first at all. 462 00:22:52,320 --> 00:22:55,040 Speaker 3: That money if I get it, and if you know, 463 00:22:55,119 --> 00:22:58,560 Speaker 3: I don't do I have like two brand partners this year, 464 00:22:59,280 --> 00:23:02,080 Speaker 3: and even then you probably don't know because I don't 465 00:23:02,080 --> 00:23:04,280 Speaker 3: post that. I don't have relationships where it's like post 466 00:23:04,280 --> 00:23:08,080 Speaker 3: are real every day and you know. But anyway, when 467 00:23:08,119 --> 00:23:10,000 Speaker 3: I take them and it is, you know, it can 468 00:23:10,040 --> 00:23:13,480 Speaker 3: be great. But I'm not expecting to have that money 469 00:23:13,520 --> 00:23:15,960 Speaker 3: replicated because first of all, I worked in marketing. I 470 00:23:16,000 --> 00:23:18,040 Speaker 3: know what happens to those budgets when the economy is bad. 471 00:23:18,720 --> 00:23:21,520 Speaker 1: The first one for real, It's true, Yeah, No, it's 472 00:23:21,560 --> 00:23:25,440 Speaker 1: absolutely true, because I mean they have to like, you know, marketing. 473 00:23:25,440 --> 00:23:26,800 Speaker 1: I feel like it's like the first thing to cut. 474 00:23:26,880 --> 00:23:29,040 Speaker 1: I mean, like you said, like you know we we 475 00:23:30,320 --> 00:23:32,239 Speaker 1: affiliate stuff is stuff that we kind of were doing 476 00:23:32,320 --> 00:23:34,800 Speaker 1: on the side. And literally I was like, oh oh, 477 00:23:35,359 --> 00:23:38,439 Speaker 1: because we all got these messages in September saying or 478 00:23:38,440 --> 00:23:41,280 Speaker 1: it was August saying tap tap tap tap, so so 479 00:23:41,440 --> 00:23:42,520 Speaker 1: great that you share our links. 480 00:23:42,520 --> 00:23:44,760 Speaker 2: You could continue to do so, but we don't have 481 00:23:44,840 --> 00:23:45,600 Speaker 2: any Monday. 482 00:23:45,720 --> 00:23:48,960 Speaker 1: I was like, literally within one week, like four or 483 00:23:49,040 --> 00:23:50,960 Speaker 1: five of the people that we have these relationships with 484 00:23:51,119 --> 00:23:53,040 Speaker 1: said and I was like, you know, I told. 485 00:23:52,880 --> 00:23:55,400 Speaker 3: You the affiliate link. Yeah, that's that's how I knew you. 486 00:23:55,840 --> 00:23:58,200 Speaker 3: For every customer we gave you twenty five cents or whatever. 487 00:23:58,520 --> 00:24:00,520 Speaker 1: So I was like, okay, you know we always I 488 00:24:00,600 --> 00:24:02,720 Speaker 1: kind of knew that already, so we always planned for like, okay, 489 00:24:02,720 --> 00:24:04,080 Speaker 1: that's a smaller part of the business. 490 00:24:04,160 --> 00:24:05,160 Speaker 2: But I wasn't shocked. 491 00:24:06,240 --> 00:24:08,199 Speaker 1: And so what one thing we did learn is that like, 492 00:24:08,720 --> 00:24:10,879 Speaker 1: because some places we drive a good amount of traffic, 493 00:24:11,160 --> 00:24:13,720 Speaker 1: so we would reach out and say like, hey, that's fine, 494 00:24:13,800 --> 00:24:15,560 Speaker 1: but we have this like like I was doing the 495 00:24:15,600 --> 00:24:18,880 Speaker 1: Literature Challenge six months later, like because we're now we're 496 00:24:18,880 --> 00:24:20,480 Speaker 1: doing it twice a year, and I said, we're doing 497 00:24:20,480 --> 00:24:22,480 Speaker 1: the challenge, but thanks for letting us, so we'll just 498 00:24:22,520 --> 00:24:23,080 Speaker 1: take you out. 499 00:24:23,320 --> 00:24:24,840 Speaker 2: They were like wait wait wait wait wait wait wait 500 00:24:24,840 --> 00:24:25,639 Speaker 2: wait wait. 501 00:24:25,640 --> 00:24:28,159 Speaker 1: Because sometimes they won't have It's not that the marketing 502 00:24:28,160 --> 00:24:32,360 Speaker 1: budget is cut completely, it's just they're using it more wisely. 503 00:24:32,720 --> 00:24:34,359 Speaker 1: And so they were like, Tiffany, you'r you know, so 504 00:24:34,400 --> 00:24:36,040 Speaker 1: there's some of them. We were like, oh, okay, let's 505 00:24:36,040 --> 00:24:38,159 Speaker 1: continue the relationship and just monitor. 506 00:24:37,880 --> 00:24:41,439 Speaker 3: All right, va fam, stay tuned for more from Brown Ambition. 507 00:24:45,160 --> 00:24:47,199 Speaker 3: And we are back with more from Brown Ambition. 508 00:24:48,119 --> 00:24:48,359 Speaker 2: Yeah. 509 00:24:48,359 --> 00:24:50,680 Speaker 1: One of the things I peeped very early on when 510 00:24:50,680 --> 00:24:55,080 Speaker 1: I started the Budgetista was I remember, just because nobody 511 00:24:55,119 --> 00:24:57,040 Speaker 1: wanted to rock with me as a black woman the 512 00:24:57,040 --> 00:24:59,840 Speaker 1: financial space serving black women, and they made a baby clear. 513 00:25:00,040 --> 00:25:03,919 Speaker 1: That's why I said, I have to create my own 514 00:25:04,720 --> 00:25:09,560 Speaker 1: like almost like like create my own farm on my 515 00:25:09,600 --> 00:25:12,600 Speaker 1: own homestead, because I don't, you know, I might not 516 00:25:12,640 --> 00:25:14,359 Speaker 1: be able to go to the supermarket which is partnering 517 00:25:14,359 --> 00:25:16,199 Speaker 1: with stores because everybody else, all my other friends were 518 00:25:16,240 --> 00:25:16,800 Speaker 1: able to do so. 519 00:25:17,040 --> 00:25:18,840 Speaker 2: And so I'm so glad. I did you know, I 520 00:25:18,880 --> 00:25:19,720 Speaker 2: build my own things. 521 00:25:19,720 --> 00:25:21,760 Speaker 1: On the budgetist side, I built the literature Academy, we 522 00:25:21,800 --> 00:25:24,520 Speaker 1: had this podcast, so we were building our own things. 523 00:25:24,760 --> 00:25:27,280 Speaker 1: And so when those things go up and down, certainly 524 00:25:27,520 --> 00:25:29,760 Speaker 1: I'm not happy about it, but it's not like that's 525 00:25:29,800 --> 00:25:32,520 Speaker 1: the whole business, which is like who they good for that? 526 00:25:32,560 --> 00:25:35,919 Speaker 1: You know? But yeah, so when I see influencers, you know, 527 00:25:36,040 --> 00:25:39,800 Speaker 1: send tens of thousands of people to this company, I'm like, 528 00:25:40,200 --> 00:25:43,199 Speaker 1: you could also be influencing to your own product and service. 529 00:25:43,560 --> 00:25:46,679 Speaker 1: Spend that time to create something for yourself so that 530 00:25:46,760 --> 00:25:49,600 Speaker 1: way when they say no, you still have something. 531 00:25:51,960 --> 00:25:52,200 Speaker 2: Yeah. 532 00:25:52,240 --> 00:25:55,520 Speaker 3: Absolutely, I'm just checking our bank account balance for BA 533 00:25:55,520 --> 00:25:55,840 Speaker 3: and like. 534 00:25:55,840 --> 00:25:59,600 Speaker 1: Oh right, whatever, it's not for man, It's like, so 535 00:26:00,000 --> 00:26:01,439 Speaker 1: go ahead and go ahead and take put. 536 00:26:01,280 --> 00:26:01,800 Speaker 2: A little something. 537 00:26:01,840 --> 00:26:05,120 Speaker 3: I'm know how I became the CFO of people looking. 538 00:26:08,000 --> 00:26:10,399 Speaker 1: Because you know, I'm renovating now, but kind of I'm like, oh, 539 00:26:10,440 --> 00:26:12,200 Speaker 1: I guess I will get that style air. 540 00:26:13,480 --> 00:26:17,040 Speaker 3: Yeah. Yeah. The and and the reason I checked is 541 00:26:17,040 --> 00:26:21,399 Speaker 3: because your point about you know, they will spend you 542 00:26:21,440 --> 00:26:23,760 Speaker 3: know where they're where they They're just more judicious about 543 00:26:23,760 --> 00:26:27,280 Speaker 3: spending their marketing dollars. And that's where I'm just and 544 00:26:27,359 --> 00:26:29,560 Speaker 3: then the light of like, like you said, this economy 545 00:26:29,560 --> 00:26:31,720 Speaker 3: and the tightening in the economy, a lot of marketing 546 00:26:31,760 --> 00:26:34,320 Speaker 3: dollars being gone, and yet Brown ambition our biggest year 547 00:26:34,800 --> 00:26:41,800 Speaker 3: for revenue. Quality care about money until like you're sick. 548 00:26:42,200 --> 00:26:42,760 Speaker 2: Quality. 549 00:26:42,920 --> 00:26:46,240 Speaker 3: Yeah, that's the key quality audience engaged on. 550 00:26:47,640 --> 00:26:47,960 Speaker 2: And so. 551 00:26:49,400 --> 00:26:51,840 Speaker 1: I mean, but for real, though it's true that like that, 552 00:26:52,040 --> 00:26:55,639 Speaker 1: it's not everybody doesn't get cut. I mean certainly, you know, 553 00:26:55,760 --> 00:26:59,000 Speaker 1: but like everyone doesn't get cut because if you blue quality. 554 00:26:58,640 --> 00:27:00,399 Speaker 2: If you you know, if. 555 00:27:00,280 --> 00:27:04,520 Speaker 1: You you know, because yes, people just someone's always going 556 00:27:04,560 --> 00:27:06,520 Speaker 1: to need to market or whatever it is they're doing. 557 00:27:06,880 --> 00:27:09,880 Speaker 1: And if there's a thousand people, you know, they might 558 00:27:09,960 --> 00:27:12,480 Speaker 1: keep the top five. And so if you bring excellence 559 00:27:12,520 --> 00:27:14,200 Speaker 1: to the table. I always tell this to my mentees, 560 00:27:14,440 --> 00:27:17,280 Speaker 1: if you bring excellence to the table, a space at 561 00:27:17,280 --> 00:27:19,080 Speaker 1: the table will always be made for you, you know. 562 00:27:19,280 --> 00:27:21,000 Speaker 1: Or better yet, you might have your own table where 563 00:27:21,000 --> 00:27:22,760 Speaker 1: you're like, well we eat good over her either way, 564 00:27:23,680 --> 00:27:25,960 Speaker 1: yeah you know, so yeah, no, I just yeah, I 565 00:27:25,960 --> 00:27:27,960 Speaker 1: love that first because I'm saying thinking to myself, you know, 566 00:27:28,000 --> 00:27:30,320 Speaker 1: when I started my mentor Tiffany dot com, like my 567 00:27:30,320 --> 00:27:32,199 Speaker 1: mentor first of all my mentees came out and I'm 568 00:27:32,240 --> 00:27:34,720 Speaker 1: having dinner with them tonight in Atlanta. 569 00:27:34,840 --> 00:27:36,679 Speaker 2: Oh you know, we know I'm gonna do that at 570 00:27:36,680 --> 00:27:37,160 Speaker 2: the Brown Booth. 571 00:27:37,320 --> 00:27:40,320 Speaker 3: We must, yes, but uh, Atlanta must go hard for 572 00:27:40,320 --> 00:27:40,800 Speaker 3: the bunch. 573 00:27:40,640 --> 00:27:42,600 Speaker 2: Of Yeah, tickets soldale. 574 00:27:42,720 --> 00:27:45,679 Speaker 1: But but but one of the things that like I 575 00:27:45,800 --> 00:27:49,000 Speaker 1: have just learned, like I said, is that like what 576 00:27:49,080 --> 00:27:52,359 Speaker 1: can you create, like you know, and how can you 577 00:27:52,400 --> 00:27:56,080 Speaker 1: bring excellence to the table That typically is takes a 578 00:27:56,440 --> 00:28:00,920 Speaker 1: like consistent investment of your time and energy. Like That's 579 00:28:00,960 --> 00:28:03,119 Speaker 1: why I love like seeing how you created money, Mandy 580 00:28:03,119 --> 00:28:07,080 Speaker 1: money makers, because you learn firsthand being on the other side, like, oh, 581 00:28:07,320 --> 00:28:09,360 Speaker 1: someone could just decide nope, we don't want y'all. 582 00:28:09,359 --> 00:28:10,760 Speaker 2: You're like wait, wa wait, whoa wa what what? 583 00:28:11,240 --> 00:28:14,679 Speaker 1: But when it's your thing, like it really is like 584 00:28:14,760 --> 00:28:16,400 Speaker 1: as long as I'm willing to show up and put 585 00:28:16,440 --> 00:28:18,800 Speaker 1: in the work, although it might be really hard work 586 00:28:18,800 --> 00:28:21,520 Speaker 1: and sometimes it's overwhelming and sometimes it just seems like 587 00:28:21,600 --> 00:28:25,640 Speaker 1: so much, at least it's in your hands, you know. 588 00:28:25,800 --> 00:28:30,879 Speaker 3: Yeah exactly, yeah I can. Yeah, No, one thousand percent. 589 00:28:31,000 --> 00:28:34,600 Speaker 3: I didn't. I was very uncomfortable with want, with like 590 00:28:34,680 --> 00:28:36,720 Speaker 3: the waiting for a check, because even if you do 591 00:28:36,800 --> 00:28:39,240 Speaker 3: have these relationships, like you ain't going to see that 592 00:28:39,240 --> 00:28:43,920 Speaker 3: money right away. It's very shout out to my shout 593 00:28:43,960 --> 00:28:46,600 Speaker 3: out to my admin louda, because if I do not 594 00:28:46,680 --> 00:28:48,760 Speaker 3: respond to her invoice within an hour, I get the 595 00:28:48,760 --> 00:28:50,680 Speaker 3: ping ons like hey, it's the men in the invoice. Hey. 596 00:28:51,000 --> 00:28:54,040 Speaker 3: I'm like, well, I'm gonna get to it today, I 597 00:28:54,080 --> 00:28:56,960 Speaker 3: promise you. And also it takes my shit like sixty 598 00:28:57,040 --> 00:29:00,000 Speaker 3: days to come through. I'm like telling these brands. 599 00:28:59,680 --> 00:29:02,080 Speaker 2: Like, hey, where's my money? 600 00:29:02,360 --> 00:29:05,240 Speaker 3: Anyway, I really hated that feeling, and because of that, 601 00:29:05,280 --> 00:29:08,120 Speaker 3: I do pay very, very swiftly yes, okay loud to 602 00:29:08,600 --> 00:29:09,320 Speaker 3: okay amber On. 603 00:29:09,360 --> 00:29:12,520 Speaker 1: So as a small business owner, when I navigate where 604 00:29:12,520 --> 00:29:15,280 Speaker 1: contractors are small businesses, I don't play about they money 605 00:29:15,400 --> 00:29:18,200 Speaker 1: because I know one week, two weeks, like what that 606 00:29:18,240 --> 00:29:18,760 Speaker 1: can do to a. 607 00:29:18,800 --> 00:29:22,000 Speaker 2: Business, and so like I do not Yeah, I do 608 00:29:22,040 --> 00:29:22,520 Speaker 2: not play it. 609 00:29:22,560 --> 00:29:24,800 Speaker 1: And even like I know you hear Mandy and I, 610 00:29:24,800 --> 00:29:26,720 Speaker 1: I mean, if you haven't listened from the very beginning, 611 00:29:27,000 --> 00:29:29,680 Speaker 1: you wouldn't know our humble beginnings of like how you 612 00:29:29,720 --> 00:29:34,200 Speaker 1: know money was saying for a long time, personally humble beginning. 613 00:29:34,280 --> 00:29:37,120 Speaker 3: I'm in the humble now. I'm trying to hang with you, 614 00:29:37,160 --> 00:29:38,640 Speaker 3: Tiff and your rich auntie lifestyle. 615 00:29:39,760 --> 00:29:40,880 Speaker 2: But even still, let me tell you. 616 00:29:40,840 --> 00:29:42,600 Speaker 3: About the thing is, I've been getting the money while 617 00:29:42,600 --> 00:29:44,960 Speaker 3: I've been having the you know, the children and the family, 618 00:29:45,000 --> 00:29:48,920 Speaker 3: and it's like where I'm breaking my own life. If 619 00:29:48,920 --> 00:29:50,280 Speaker 3: you don't want to, if you want to follow my 620 00:29:50,320 --> 00:29:53,720 Speaker 3: advice to not have lifestyle inflation, don't have kids, learn 621 00:29:53,720 --> 00:29:56,520 Speaker 3: it from me first. You I'm like, when am I 622 00:29:56,520 --> 00:29:58,480 Speaker 3: ever getting my feel like I have money again? 623 00:30:00,040 --> 00:30:03,040 Speaker 1: You will? But I got to say, honly I live 624 00:30:03,480 --> 00:30:07,160 Speaker 1: so far below my means. Like so even when you 625 00:30:07,200 --> 00:30:08,840 Speaker 1: see me pop out like, oh my gosh, you bought 626 00:30:08,840 --> 00:30:12,120 Speaker 1: a condoct know that I live. At one point, especially 627 00:30:12,160 --> 00:30:13,600 Speaker 1: when I was like breaking in the door, I was 628 00:30:13,680 --> 00:30:15,960 Speaker 1: living at ten percent of what I was making, you know, 629 00:30:16,000 --> 00:30:18,360 Speaker 1: and it was still good money. But meaning that, I've 630 00:30:18,360 --> 00:30:22,479 Speaker 1: always been conscious that, you know, if I make a 631 00:30:22,520 --> 00:30:24,960 Speaker 1: tremendous amount of money, say like seven figures in a year, 632 00:30:25,280 --> 00:30:27,840 Speaker 1: I'm not going to live out half half a million. 633 00:30:28,000 --> 00:30:30,840 Speaker 1: I'm not, you know, because one, I think I can 634 00:30:30,880 --> 00:30:32,960 Speaker 1: live a really great life at like you know, we're 635 00:30:33,200 --> 00:30:35,520 Speaker 1: one two manny, and I not that everyone has to 636 00:30:35,560 --> 00:30:37,400 Speaker 1: do this. I'm big on like buying things in full, 637 00:30:37,920 --> 00:30:39,240 Speaker 1: so I don't have to worry about a month to 638 00:30:39,280 --> 00:30:42,520 Speaker 1: month to month because I like to keep my month 639 00:30:42,560 --> 00:30:46,080 Speaker 1: to month in a way that if everything goes wrong, 640 00:30:46,200 --> 00:30:48,440 Speaker 1: I'm still okay. Even when I bought my condo, if 641 00:30:48,480 --> 00:30:52,000 Speaker 1: y'all remember, like my financial advisor, Angelie, was like, well, 642 00:30:52,080 --> 00:30:54,360 Speaker 1: it would be my advice that you get a mortgage, 643 00:30:54,360 --> 00:30:56,480 Speaker 1: and because you're a high networth individual, we can probably 644 00:30:56,480 --> 00:30:59,160 Speaker 1: get you an interest rate especial behind the scenes industry, 645 00:30:59,200 --> 00:30:59,440 Speaker 1: which I. 646 00:30:59,480 --> 00:31:03,040 Speaker 2: Was like, that seems fair, but I'll take it. But like, 647 00:31:03,400 --> 00:31:05,080 Speaker 2: you know that, like you don't have to get a regular. 648 00:31:04,840 --> 00:31:07,560 Speaker 1: Person's interest rate that we can like negotiate with a bank, 649 00:31:07,800 --> 00:31:09,800 Speaker 1: you know, for high network individuals to get you like 650 00:31:09,840 --> 00:31:12,720 Speaker 1: a lower interest rate. And I told her, I said, honestly, 651 00:31:13,600 --> 00:31:15,920 Speaker 1: I would prefer to buy the condo cash. And she said, 652 00:31:15,960 --> 00:31:17,800 Speaker 1: I know you're going to say that. I said, now, 653 00:31:18,040 --> 00:31:22,040 Speaker 1: knowing my financial picture, I know that the best solution 654 00:31:22,840 --> 00:31:24,960 Speaker 1: is to get you know, put a decent amount down 655 00:31:25,360 --> 00:31:27,640 Speaker 1: and to mortgage it and then to put that cash 656 00:31:27,880 --> 00:31:29,960 Speaker 1: to work in the market. I know that that's the 657 00:31:29,960 --> 00:31:33,840 Speaker 1: best solution, But is it a bad choice? Like is 658 00:31:33,840 --> 00:31:35,680 Speaker 1: it like really really bad for my finances if I 659 00:31:35,720 --> 00:31:38,040 Speaker 1: purchase it cash? Because there's two different things, you know, 660 00:31:38,120 --> 00:31:41,160 Speaker 1: And she was like, well, it's not a bad financial choice. 661 00:31:41,200 --> 00:31:42,440 Speaker 2: It's not going to harm you financially. 662 00:31:42,520 --> 00:31:44,880 Speaker 1: Ideally, would have would love to put more money in 663 00:31:44,880 --> 00:31:47,040 Speaker 1: the market for you, but you've already kept like there's 664 00:31:47,040 --> 00:31:48,680 Speaker 1: a certain amount every year that I like to want 665 00:31:48,680 --> 00:31:50,400 Speaker 1: to put up in order to reach my financial goals. 666 00:31:50,520 --> 00:31:52,680 Speaker 1: She's say, you've already done that. This would just be 667 00:31:52,800 --> 00:31:56,480 Speaker 1: access to that, and certainly this access can will likely 668 00:31:56,520 --> 00:32:00,160 Speaker 1: grow faster than sitting in your house. But I know you, Tiffany. 669 00:32:00,520 --> 00:32:03,200 Speaker 1: You like to keep your monthly expenses low. And sure enough, 670 00:32:03,240 --> 00:32:04,880 Speaker 1: I'm so glad I did that in the beginning because 671 00:32:04,880 --> 00:32:06,880 Speaker 1: I bought the house very early on the beginning of 672 00:32:06,920 --> 00:32:09,640 Speaker 1: the year. And I'm so glad because this was our 673 00:32:09,760 --> 00:32:12,120 Speaker 1: one of our toughest budget east to years yet as 674 00:32:12,160 --> 00:32:14,680 Speaker 1: far as like business, and so we didn't do nearly 675 00:32:14,720 --> 00:32:15,040 Speaker 1: as well. 676 00:32:15,080 --> 00:32:16,520 Speaker 2: I didn't make nearly as much. 677 00:32:16,760 --> 00:32:19,000 Speaker 1: But the one thing I wasn't stressed about is my 678 00:32:19,400 --> 00:32:21,400 Speaker 1: monthly My monthly expenses did not. 679 00:32:21,400 --> 00:32:23,800 Speaker 2: Increase, so I wasn't like I. 680 00:32:23,720 --> 00:32:26,680 Speaker 1: Got my new work at They basically stayed the same 681 00:32:26,880 --> 00:32:28,840 Speaker 1: relatively speaking, like a few hundred dollars here and there, 682 00:32:28,840 --> 00:32:31,120 Speaker 1: you know, but basically stayed the same, and for me, 683 00:32:31,320 --> 00:32:34,240 Speaker 1: the peace of mind of knowing that even if something 684 00:32:34,280 --> 00:32:35,520 Speaker 1: I knew we were going to have a rough year 685 00:32:35,520 --> 00:32:37,800 Speaker 1: this year, I could feel it even when that happens, 686 00:32:38,280 --> 00:32:41,640 Speaker 1: I had kind of like already, like the car I 687 00:32:41,680 --> 00:32:44,080 Speaker 1: own is paid off. The home that I live in 688 00:32:44,080 --> 00:32:45,680 Speaker 1: outside of the condo, the home that I live in 689 00:32:45,720 --> 00:32:49,680 Speaker 1: currently paid off. Like my bills are such that I 690 00:32:49,720 --> 00:32:52,440 Speaker 1: can manage on very relative little to. 691 00:32:52,400 --> 00:32:56,200 Speaker 3: What I Meanthany, how do you how do you that's 692 00:32:56,200 --> 00:32:57,120 Speaker 3: so unrelatable? 693 00:32:57,280 --> 00:33:01,920 Speaker 1: I'm what I'm saying is like the pullback, so he 694 00:33:01,960 --> 00:33:02,720 Speaker 1: has a related bility. 695 00:33:02,800 --> 00:33:05,640 Speaker 3: How do you know? I'm curous cause like for me, 696 00:33:05,760 --> 00:33:08,800 Speaker 3: that's unrelatable at this point. I and I'll admit it. 697 00:33:09,120 --> 00:33:12,480 Speaker 3: I went to Tiffany, you love me no matter what. 698 00:33:12,560 --> 00:33:14,800 Speaker 2: Right, Okay, yes, I said, you had to Tiffy's. I'm like, 699 00:33:14,840 --> 00:33:15,640 Speaker 2: what are my Tiffany's. 700 00:33:17,560 --> 00:33:20,520 Speaker 3: My husband wishes no. We literally, when I tell you, 701 00:33:20,880 --> 00:33:23,480 Speaker 3: I don't know what he has like disassociated from reality 702 00:33:23,600 --> 00:33:25,360 Speaker 3: so hard. When we went to the mall this weekend 703 00:33:25,440 --> 00:33:28,440 Speaker 3: just for something to do, or last week now, he 704 00:33:28,480 --> 00:33:30,760 Speaker 3: was like, let's go into the role X store. I 705 00:33:30,840 --> 00:33:32,800 Speaker 3: was like and I was like, yeah, let's take our 706 00:33:32,840 --> 00:33:35,080 Speaker 3: two kids and go in and pretend like we can 707 00:33:35,160 --> 00:33:38,680 Speaker 3: afford any of these college tuition, you know, time pieces. 708 00:33:39,120 --> 00:33:41,560 Speaker 3: And Rio was running around and I was just like, yeah, 709 00:33:41,560 --> 00:33:43,240 Speaker 3: you want to try one on? Hey, sir, can we 710 00:33:43,280 --> 00:33:46,440 Speaker 3: try on your most expensive role x? I can't wait? 711 00:33:46,520 --> 00:33:48,360 Speaker 3: Can my three year olds? Do you have it? In 712 00:33:48,400 --> 00:33:51,440 Speaker 3: his sof And Rique's like, never mind, get out, he 713 00:33:51,560 --> 00:33:57,600 Speaker 3: was so anyway, But we went to pottery Barn or 714 00:33:57,640 --> 00:33:59,680 Speaker 3: one of these I forget caught craiiton burro. I want, 715 00:34:00,000 --> 00:34:01,480 Speaker 3: I want new betting. I want my bed to look 716 00:34:01,520 --> 00:34:04,160 Speaker 3: like a picture. My bed looks ratchet, okay, even when 717 00:34:04,200 --> 00:34:07,520 Speaker 3: the cleaning ladies fix it, it looks ratchet because Molly 718 00:34:07,600 --> 00:34:09,719 Speaker 3: has showed through things. It doesn't look pretty like it 719 00:34:09,800 --> 00:34:12,440 Speaker 3: used to anyway. And I wanted like and I was like, 720 00:34:12,520 --> 00:34:14,400 Speaker 3: I want that picture. And I chose the betting. I 721 00:34:14,440 --> 00:34:17,120 Speaker 3: got everything da da da da da, and I put 722 00:34:17,160 --> 00:34:20,360 Speaker 3: it on after pay okay, in three but I chose 723 00:34:20,360 --> 00:34:22,680 Speaker 3: the three payment option, okay, so I would have zero 724 00:34:22,800 --> 00:34:24,960 Speaker 3: interest because now after pay' is like, oh you want 725 00:34:25,000 --> 00:34:27,040 Speaker 3: six to twelve month options, Well, we're going to charge 726 00:34:27,080 --> 00:34:30,120 Speaker 3: you like extra fees and you do end up paying 727 00:34:30,160 --> 00:34:31,919 Speaker 3: more than it costs. But one thing I hate doing 728 00:34:32,000 --> 00:34:34,000 Speaker 3: is paying more than something costs just to have more 729 00:34:34,040 --> 00:34:36,840 Speaker 3: time to do it. So anyway, but that's my no, 730 00:34:36,920 --> 00:34:39,560 Speaker 3: I don't me that's my confession. 731 00:34:39,960 --> 00:34:44,080 Speaker 1: I learned early on that, like, whatever it took, I 732 00:34:44,120 --> 00:34:45,960 Speaker 1: had to figure out a way I wasn't always able to. 733 00:34:46,000 --> 00:34:47,560 Speaker 1: I had to figure out a way to live under 734 00:34:47,560 --> 00:34:49,200 Speaker 1: my means. That's how I got here. 735 00:34:49,880 --> 00:34:52,279 Speaker 2: So like he was like, literally, I was living in 736 00:34:52,280 --> 00:34:52,560 Speaker 2: a room. 737 00:34:52,640 --> 00:34:54,480 Speaker 1: I was thirty something years old, and I was like, 738 00:34:54,560 --> 00:34:57,799 Speaker 1: living under my means meant renting a room. A bunch 739 00:34:57,800 --> 00:34:59,640 Speaker 1: of my friends also have branded rooms in that same 740 00:34:59,680 --> 00:35:01,759 Speaker 1: and I would between the ages I want to say, 741 00:35:01,800 --> 00:35:04,440 Speaker 1: twenty nine to thirty three. 742 00:35:04,400 --> 00:35:04,920 Speaker 2: I did that. 743 00:35:05,440 --> 00:35:06,520 Speaker 1: I was people like, oh, I can never do that, 744 00:35:06,520 --> 00:35:08,440 Speaker 1: and you might have kids whatever, but I'm just saying that. 745 00:35:08,760 --> 00:35:11,319 Speaker 1: And I remember I drove like the radiest car, which 746 00:35:11,360 --> 00:35:14,000 Speaker 1: I was like, I would likely walk more often. There 747 00:35:14,000 --> 00:35:16,040 Speaker 1: were times when I did speaking engagements when I'm like, 748 00:35:16,560 --> 00:35:18,960 Speaker 1: they wanted to, like, you know, park my car, and 749 00:35:19,040 --> 00:35:20,520 Speaker 1: I was pretty certain it wouldn't. 750 00:35:20,200 --> 00:35:20,680 Speaker 2: Turn back on. 751 00:35:20,920 --> 00:35:23,399 Speaker 3: I remember that car, So I was like that white car. 752 00:35:23,520 --> 00:35:26,600 Speaker 2: Oh, I could hear it. I mean, and there were. 753 00:35:26,480 --> 00:35:27,759 Speaker 1: Times when I'm like, I'm just gonna park down the 754 00:35:27,760 --> 00:35:31,040 Speaker 1: street and walk up. And so I'm not saying people like, 755 00:35:31,040 --> 00:35:33,160 Speaker 1: oh I won't do that, get I get it. But 756 00:35:33,360 --> 00:35:35,319 Speaker 1: for me, it was like I had to figure out 757 00:35:35,320 --> 00:35:38,160 Speaker 1: two things how to make extra income. I baby said, 758 00:35:38,160 --> 00:35:41,280 Speaker 1: I tutored, I started the business, but you know whatever 759 00:35:41,320 --> 00:35:42,080 Speaker 1: that kind of looked like. 760 00:35:42,160 --> 00:35:43,200 Speaker 2: And then I. 761 00:35:43,200 --> 00:35:46,759 Speaker 1: Really had to viciously cut back on my expenses to 762 00:35:46,880 --> 00:35:50,200 Speaker 1: create space to then invest in my life. And so 763 00:35:50,320 --> 00:35:53,080 Speaker 1: to me, the investment was in my business. Yours might 764 00:35:53,080 --> 00:35:56,320 Speaker 1: be investing in the market and might be investing in bonds. 765 00:35:56,360 --> 00:35:58,400 Speaker 2: It might be, but that's really what it is. 766 00:35:58,520 --> 00:36:01,920 Speaker 1: You have to create financial space, and in the beginning 767 00:36:02,280 --> 00:36:03,520 Speaker 1: you might not be able to do that, so you 768 00:36:03,640 --> 00:36:05,120 Speaker 1: just try to create space so you can just pay 769 00:36:05,120 --> 00:36:06,680 Speaker 1: your bills on time. I would say for the first 770 00:36:06,719 --> 00:36:08,800 Speaker 1: three years it was like I just don't want to 771 00:36:08,800 --> 00:36:09,840 Speaker 1: be in the negative, which I was. 772 00:36:09,880 --> 00:36:11,160 Speaker 2: I mean, there's times when I was like I just 773 00:36:11,160 --> 00:36:12,719 Speaker 2: don't have it. There's just my. 774 00:36:12,719 --> 00:36:15,200 Speaker 1: Account just says negative and I will call and cry 775 00:36:15,239 --> 00:36:16,719 Speaker 1: on the phone and be like, oh what can I do? 776 00:36:17,239 --> 00:36:19,640 Speaker 1: Like that was life, you know, for the longest like 777 00:36:19,719 --> 00:36:21,719 Speaker 1: this part of my life is the newest part of 778 00:36:21,719 --> 00:36:25,439 Speaker 1: my life, you know. But I only got here from 779 00:36:25,440 --> 00:36:28,320 Speaker 1: a place and still I still use those same principles, 780 00:36:28,320 --> 00:36:32,080 Speaker 1: which is I still live tremendously under what I make 781 00:36:32,640 --> 00:36:34,520 Speaker 1: and you know, but not from a place of like 782 00:36:34,520 --> 00:36:35,760 Speaker 1: I feel like I'm depriving myself. 783 00:36:35,840 --> 00:36:36,080 Speaker 2: Y'all know. 784 00:36:36,120 --> 00:36:38,160 Speaker 1: I just came back from vacation. But even then, I 785 00:36:38,239 --> 00:36:40,840 Speaker 1: was like, can I use points? You know, what are 786 00:36:40,880 --> 00:36:42,279 Speaker 1: other ways to go about? You know, like I mean, 787 00:36:42,320 --> 00:36:44,160 Speaker 1: Angelie tells me all the time, and I probably do 788 00:36:44,200 --> 00:36:45,080 Speaker 1: I underspend. 789 00:36:45,440 --> 00:36:47,239 Speaker 3: Yeah, So to be honest, and I've been wondering like 790 00:36:47,239 --> 00:36:48,840 Speaker 3: I should just say it because I want to. I 791 00:36:48,880 --> 00:36:50,759 Speaker 3: want to be transparent. And I was just talking to 792 00:36:50,800 --> 00:36:56,200 Speaker 3: my I posted about my six figure book deal because 793 00:36:56,239 --> 00:37:00,640 Speaker 3: it was it is, okay, it's a fact on because 794 00:37:00,640 --> 00:37:02,480 Speaker 3: I wanted to share, just like you have with me, 795 00:37:02,560 --> 00:37:04,799 Speaker 3: been so generous with how it happens. I wanted to. 796 00:37:04,920 --> 00:37:07,040 Speaker 3: I want to spread the message here's how you get 797 00:37:07,040 --> 00:37:09,279 Speaker 3: a nonfiction book done. Here's how I did it. Rather 798 00:37:09,800 --> 00:37:11,560 Speaker 3: so the focus wasn't on the headline I did that. 799 00:37:11,600 --> 00:37:13,960 Speaker 3: I did my journalist thing. I want to grab attention, 800 00:37:14,360 --> 00:37:17,479 Speaker 3: get you to the caption right. But in doing that, 801 00:37:17,800 --> 00:37:21,240 Speaker 3: I my husband, for example, doesn't listen to the podcast 802 00:37:21,280 --> 00:37:22,839 Speaker 3: because you know, he gets enough of me at home. 803 00:37:23,200 --> 00:37:26,279 Speaker 3: And he told me, oh, my coworkers, I think we're 804 00:37:26,360 --> 00:37:29,279 Speaker 3: rich or something because I saw your posts on IG 805 00:37:29,680 --> 00:37:33,680 Speaker 3: and I was like, first of all, no, second of all, 806 00:37:34,400 --> 00:37:36,759 Speaker 3: they don't understand book math and all this stuff, and 807 00:37:36,800 --> 00:37:39,279 Speaker 3: they just read the headline and saw and I never 808 00:37:39,360 --> 00:37:41,920 Speaker 3: want to be putting up ooh. I would hate don't 809 00:37:42,000 --> 00:37:44,480 Speaker 3: tip the minute you see me front and acting like 810 00:37:44,560 --> 00:37:46,759 Speaker 3: I got when I don't, because how much of that 811 00:37:46,800 --> 00:37:48,759 Speaker 3: figure six figures is in my pocket right now? You 812 00:37:48,800 --> 00:37:51,080 Speaker 3: know exactly because it pays out. I got two years 813 00:37:51,080 --> 00:37:54,520 Speaker 3: span zero. I haven't even got the contract size. I haven't, 814 00:37:54,520 --> 00:37:55,759 Speaker 3: you know, I don't get my first check tol then 815 00:37:56,160 --> 00:37:57,520 Speaker 3: and even then he's like the cut there and the 816 00:37:57,560 --> 00:37:59,600 Speaker 3: cut there, and the agency and the taxes and all 817 00:37:59,600 --> 00:38:03,719 Speaker 3: that anyway. But my reality is like I have struggled. 818 00:38:04,000 --> 00:38:06,680 Speaker 3: I haven't struggled to create income as a business owner. 819 00:38:06,760 --> 00:38:09,120 Speaker 3: And I and to anyone who looks at me, and 820 00:38:09,160 --> 00:38:11,200 Speaker 3: I know some Mandi money makers have mentioned that I 821 00:38:11,239 --> 00:38:14,000 Speaker 3: have to remind them, Yes, I started Mandy money Makers 822 00:38:14,040 --> 00:38:16,400 Speaker 3: in twenty twenty one, but I had eight years of 823 00:38:16,400 --> 00:38:20,680 Speaker 3: brand ambition, six years whatever it was before that. I had, 824 00:38:21,360 --> 00:38:23,839 Speaker 3: you know, a brand that I was building. I had 825 00:38:23,880 --> 00:38:27,359 Speaker 3: like a foundation, a platform that you don't have when 826 00:38:27,360 --> 00:38:29,880 Speaker 3: you just like if I had started a bakery, probably 827 00:38:29,880 --> 00:38:32,080 Speaker 3: would have been tougher, yes, you know what I mean, 828 00:38:32,280 --> 00:38:34,319 Speaker 3: but it was very aligned with what I've been doing 829 00:38:34,320 --> 00:38:36,600 Speaker 3: so far. So I had given myself a head start there, 830 00:38:36,640 --> 00:38:40,480 Speaker 3: but anyway, didn't have trouble creating income streams. Haven't gotten 831 00:38:40,520 --> 00:38:46,480 Speaker 3: financially good at maintaining a budget on income that fluctuates. 832 00:38:46,840 --> 00:38:49,239 Speaker 3: And I'll be the first to admit so because of 833 00:38:49,280 --> 00:38:51,359 Speaker 3: these things like you know, ooh, I'll get like a 834 00:38:51,400 --> 00:38:53,600 Speaker 3: great deal, but you're not going to see that money 835 00:38:53,640 --> 00:38:54,920 Speaker 3: for a few months. And I know I'm going to 836 00:38:54,960 --> 00:38:56,960 Speaker 3: get the money and I'm not stressed, but then this 837 00:38:57,120 --> 00:39:02,360 Speaker 3: bill and this tuition payment is due, and it's like, oh, well, 838 00:39:02,760 --> 00:39:08,240 Speaker 3: this isn't comfortable, and it's so that I'm I don't 839 00:39:08,239 --> 00:39:11,920 Speaker 3: have enough. I don't have so much coming in that 840 00:39:12,000 --> 00:39:15,240 Speaker 3: it saves me from those months where I'm like, hmmm, 841 00:39:15,920 --> 00:39:19,320 Speaker 3: we're poor, but like we're not poor, but like we are. 842 00:39:19,440 --> 00:39:21,520 Speaker 1: You know, well, and that's because you don't have a 843 00:39:21,520 --> 00:39:23,360 Speaker 1: big enough pot, so I used to. It took me 844 00:39:23,400 --> 00:39:26,680 Speaker 1: a while, a few years to learn like, oh, that 845 00:39:26,719 --> 00:39:29,520 Speaker 1: person is not paying me. They're paying the pot, and 846 00:39:29,560 --> 00:39:33,399 Speaker 1: the pot pays me. And so it took Now here's 847 00:39:33,440 --> 00:39:35,200 Speaker 1: the thing. The pot can't pay you if you don't 848 00:39:35,280 --> 00:39:38,160 Speaker 1: have anything in it, you know. And so it took 849 00:39:38,200 --> 00:39:41,080 Speaker 1: a while to kind of build up pot reserves and 850 00:39:41,120 --> 00:39:45,759 Speaker 1: to the point now where the pot pays me either way. Yeah, 851 00:39:45,800 --> 00:39:48,120 Speaker 1: that takes you know, And that's okay because it takes 852 00:39:48,160 --> 00:39:50,520 Speaker 1: time so slowly, but surely as money comes in. 853 00:39:50,600 --> 00:39:52,120 Speaker 2: You said a little bit aside. 854 00:39:52,160 --> 00:39:54,279 Speaker 3: I'm the only person on my payroll and I miss 855 00:39:54,360 --> 00:39:59,440 Speaker 3: paid in August. Sorry, can't we give it one hundred? 856 00:40:00,160 --> 00:40:02,280 Speaker 3: Not only did I miss payroll, I didn't even realize 857 00:40:02,280 --> 00:40:05,399 Speaker 3: I missed it. And then I got into whole shenanigans 858 00:40:05,400 --> 00:40:07,560 Speaker 3: with quick books. They're like, we're going to close your account? 859 00:40:07,920 --> 00:40:10,680 Speaker 3: Are your accountsing collections? Because they had paid me, they 860 00:40:10,719 --> 00:40:12,759 Speaker 3: like fronted me the money for my own paycheck. That 861 00:40:12,800 --> 00:40:14,440 Speaker 3: should have been it was that I hadn't move the 862 00:40:14,440 --> 00:40:16,160 Speaker 3: money because I was on the turnity leave and I 863 00:40:16,200 --> 00:40:19,080 Speaker 3: hadn't move money from savings to my you know, checking 864 00:40:19,120 --> 00:40:22,120 Speaker 3: and my business because I didn't have any checking over 865 00:40:22,120 --> 00:40:23,799 Speaker 3: the summer because I didn't make no money. I was 866 00:40:24,239 --> 00:40:27,080 Speaker 3: having a baby and not getting a paycheck. You guys 867 00:40:27,080 --> 00:40:28,920 Speaker 3: want to know what entrepreneurship is? Is that? 868 00:40:29,239 --> 00:40:29,479 Speaker 2: Yeah? 869 00:40:29,560 --> 00:40:31,799 Speaker 3: And so I had it in savings, it wasn't in 870 00:40:31,800 --> 00:40:33,720 Speaker 3: my checking account. Didn't realize that I got the emails 871 00:40:33,760 --> 00:40:36,000 Speaker 3: and I'm just reading the first line like, oh money, okay, 872 00:40:36,280 --> 00:40:38,759 Speaker 3: payroll something da da da da da must be fine, 873 00:40:38,760 --> 00:40:40,919 Speaker 3: And I just got to go ahead, only to find 874 00:40:40,960 --> 00:40:43,919 Speaker 3: out those emails were like collections emails because they want 875 00:40:43,920 --> 00:40:46,279 Speaker 3: their money back because they gave me the money. And 876 00:40:46,320 --> 00:40:48,800 Speaker 3: then what happened to your girl, Tiff. I've never felt 877 00:40:48,840 --> 00:40:52,920 Speaker 3: so ashamed and broke, but like real talk, just to balance, 878 00:40:53,520 --> 00:40:56,080 Speaker 3: just to balance the beautiful And I'm not taking anything 879 00:40:56,120 --> 00:40:59,640 Speaker 3: away from you. You deserve you there, I know. Okay, 880 00:41:00,080 --> 00:41:01,799 Speaker 3: So let me tell the story without you thinking it's 881 00:41:01,800 --> 00:41:03,960 Speaker 3: because I'm trying to like make you feel some type 882 00:41:03,960 --> 00:41:06,200 Speaker 3: of away. You know that you're good, okay, and we 883 00:41:06,280 --> 00:41:09,880 Speaker 3: all love it. But I have two online only banks 884 00:41:09,920 --> 00:41:13,520 Speaker 3: for my personal and for my business bank account online only. 885 00:41:13,560 --> 00:41:15,120 Speaker 3: I love it. Why go to a bank who needs them? 886 00:41:15,120 --> 00:41:16,960 Speaker 3: I don't even carry wallet anymore. I got Apple Pay. 887 00:41:16,960 --> 00:41:19,239 Speaker 3: I'm all you know in the in the metaverse and 888 00:41:19,280 --> 00:41:22,320 Speaker 3: all that kind of stuff. So quick Books want their money. 889 00:41:22,440 --> 00:41:25,680 Speaker 3: They decide they only want me to wire it, only 890 00:41:25,719 --> 00:41:29,000 Speaker 3: a bank wire, but I can't. But they won't accept 891 00:41:29,000 --> 00:41:30,720 Speaker 3: a bank wire from an online only bank. 892 00:41:31,000 --> 00:41:31,600 Speaker 2: Are you kidding? 893 00:41:31,920 --> 00:41:35,919 Speaker 3: So no, So a long story short. Somehow I get 894 00:41:35,920 --> 00:41:39,359 Speaker 3: the wrong, bad, bad intel from quick Books. I end 895 00:41:39,480 --> 00:41:43,200 Speaker 3: up in my infinite wisdom thinking somehow that if I 896 00:41:43,239 --> 00:41:46,040 Speaker 3: get the cash out of my business account, I can 897 00:41:46,080 --> 00:41:48,400 Speaker 3: go to any bank and get a wire transfer. It's stupid. 898 00:41:48,440 --> 00:41:51,640 Speaker 3: Don't listen. Don't listen to why. The person was very 899 00:41:51,680 --> 00:41:55,480 Speaker 3: persuasive and wrong. So I'm but then there's a limit 900 00:41:55,520 --> 00:41:56,920 Speaker 3: on how much cash you can take out of an 901 00:41:56,960 --> 00:41:59,240 Speaker 3: ATM for your online only bank. And turns out mine 902 00:41:59,360 --> 00:42:03,799 Speaker 3: was wait, like five, no, two thousand a day, and 903 00:42:03,800 --> 00:42:06,960 Speaker 3: I need like four thousand or something like that. And 904 00:42:07,440 --> 00:42:09,440 Speaker 3: not only that, but the ATM had a limit on 905 00:42:09,480 --> 00:42:11,480 Speaker 3: how much you can draw it one time. So I'm 906 00:42:11,520 --> 00:42:13,799 Speaker 3: sitting there trying to figure out, like can I do 907 00:42:13,880 --> 00:42:16,200 Speaker 3: five hundred at a time. So I'm at the ATM 908 00:42:16,320 --> 00:42:21,560 Speaker 3: like five hundred insert your car, five hundred, insert your 909 00:42:21,600 --> 00:42:23,600 Speaker 3: card again, I'm just gonna keep going the Blue Vine 910 00:42:23,680 --> 00:42:26,000 Speaker 3: that my bank. Blue Vine is like, uh yeah, just 911 00:42:26,080 --> 00:42:27,919 Speaker 3: keep going. I don't know, maybe it's five and maybe 912 00:42:27,920 --> 00:42:30,640 Speaker 3: it's six hundreds of limit. Just keep trying. I get 913 00:42:30,680 --> 00:42:32,279 Speaker 3: the money out. Uh huh. I go to the bank. 914 00:42:32,360 --> 00:42:34,920 Speaker 3: They're like, yeah, idiot, we can't wire transfer cash money, 915 00:42:35,120 --> 00:42:39,040 Speaker 3: like you know, like, who are you coming off the 916 00:42:39,080 --> 00:42:42,000 Speaker 3: street with this money that probably came from I don't know, 917 00:42:42,080 --> 00:42:45,279 Speaker 3: something nefarious. So I go back to my car. I 918 00:42:45,320 --> 00:42:47,759 Speaker 3: go back to my car. Then I'm like, I have 919 00:42:47,920 --> 00:42:50,279 Speaker 3: this money, how do I put it back in my 920 00:42:50,320 --> 00:42:53,480 Speaker 3: oline like account? This is over two days of me 921 00:42:53,520 --> 00:42:55,279 Speaker 3: going to the ATM because again it was too much 922 00:42:55,280 --> 00:42:56,359 Speaker 3: for one days. Why to go back? 923 00:42:57,400 --> 00:42:57,800 Speaker 2: So I go. 924 00:42:58,040 --> 00:43:01,600 Speaker 3: I'm like at the ATM, like, can I just where's 925 00:43:01,640 --> 00:43:04,600 Speaker 3: the hole to put it back? In the internet because 926 00:43:04,719 --> 00:43:10,360 Speaker 3: I And it turns out, oh, well, you can go 927 00:43:10,400 --> 00:43:11,839 Speaker 3: to our you know, call the bang. Oh you can 928 00:43:11,880 --> 00:43:16,200 Speaker 3: go to O our fee free you know locations where 929 00:43:16,239 --> 00:43:19,600 Speaker 3: you can week upt cash deposits turns out Walmart is 930 00:43:19,600 --> 00:43:22,040 Speaker 3: not within like a fifty mile radius of where I live, 931 00:43:22,480 --> 00:43:25,920 Speaker 3: and the other ATMs like weren't working for deposit and 932 00:43:26,000 --> 00:43:28,359 Speaker 3: in the meantime, I go to even think I can 933 00:43:28,440 --> 00:43:30,799 Speaker 3: deposit this cash at an atm, my local CVS, and 934 00:43:30,840 --> 00:43:32,920 Speaker 3: I'm like walking up to the ATM and looking at 935 00:43:32,920 --> 00:43:35,879 Speaker 3: my wallet and I'm like, where's that debit card? Oh? 936 00:43:35,920 --> 00:43:38,160 Speaker 2: I left it in the atm with the bang. My god, 937 00:43:38,760 --> 00:43:40,479 Speaker 2: this is love shit I go through. 938 00:43:40,840 --> 00:43:44,800 Speaker 3: So when y'all think about when you think about Mandy 939 00:43:44,840 --> 00:43:48,320 Speaker 3: money and her six figure book deal and the business 940 00:43:48,360 --> 00:43:51,719 Speaker 3: that is thriving, and those things are true, but what's 941 00:43:51,760 --> 00:43:55,600 Speaker 3: also true is I am a real person with the 942 00:43:55,640 --> 00:43:58,880 Speaker 3: same expenses and you know, try and I do, like 943 00:43:58,920 --> 00:44:03,120 Speaker 3: you said, I keep my lifestyle very reasonable, but the cost, 944 00:44:03,239 --> 00:44:06,880 Speaker 3: the cost and the demand on the dollars, as you know, 945 00:44:07,239 --> 00:44:11,040 Speaker 3: at this point, I'm figuring out that balance and trying 946 00:44:11,080 --> 00:44:13,839 Speaker 3: to like be always ready and I'm not, and it's 947 00:44:14,040 --> 00:44:17,200 Speaker 3: very uncomfortable. I don't love it, but I also know 948 00:44:17,280 --> 00:44:19,040 Speaker 3: this is the way through and I have to just 949 00:44:19,080 --> 00:44:21,920 Speaker 3: like keep going hells therapy. 950 00:44:22,560 --> 00:44:26,560 Speaker 1: And honestly, here you are seeing me at year fifteen, right, 951 00:44:27,160 --> 00:44:30,080 Speaker 1: and it's really only been the last I want to say, 952 00:44:31,120 --> 00:44:32,640 Speaker 1: five years that I'm. 953 00:44:32,440 --> 00:44:34,520 Speaker 2: Like, huh, we're gonna be okay. 954 00:44:34,800 --> 00:44:38,080 Speaker 1: So think about ten years of like what Mandy's describing 955 00:44:38,600 --> 00:44:41,400 Speaker 1: that's what it was like. Like I I can remember 956 00:44:41,640 --> 00:44:43,560 Speaker 1: Jal and I were living in the Halfway Hood. 957 00:44:44,560 --> 00:44:48,040 Speaker 3: And I was like ripping my cuticles to shredsus I 958 00:44:48,120 --> 00:44:51,360 Speaker 3: was telling that story. That's how the stress. 959 00:44:51,120 --> 00:44:53,400 Speaker 1: Now, even the normal entrepreneurship, we were living in the 960 00:44:53,440 --> 00:44:55,839 Speaker 1: Halfway Hood, and by Halfway Hood, we were literally living 961 00:44:55,880 --> 00:45:02,080 Speaker 1: in subsized housing because he worked for housing and as 962 00:45:02,080 --> 00:45:04,120 Speaker 1: a result, they wanted him to be quote unquote on campus. 963 00:45:04,200 --> 00:45:05,560 Speaker 1: So I mean it was pretty I think, you know, 964 00:45:05,600 --> 00:45:07,200 Speaker 1: these were townhouses, but still it's housing. 965 00:45:07,280 --> 00:45:09,479 Speaker 3: I'm such, your apartment, yeah, but still it's. 966 00:45:09,440 --> 00:45:11,600 Speaker 1: Housing, right, And so our rent was only like nine 967 00:45:11,560 --> 00:45:13,359 Speaker 1: to twenty because he lived, you know, he worked where 968 00:45:13,400 --> 00:45:18,080 Speaker 1: he lived. I can remember literally coming out the front 969 00:45:18,080 --> 00:45:20,440 Speaker 1: door of housing and a young woman coming out and 970 00:45:20,480 --> 00:45:21,880 Speaker 1: looking at me, and I look at her and she's 971 00:45:21,880 --> 00:45:23,320 Speaker 1: looking at me. I look at her and she said, 972 00:45:24,120 --> 00:45:28,520 Speaker 1: but Lisa with you're confused, and I was like, hey, 973 00:45:30,000 --> 00:45:32,799 Speaker 1: I just took your webinar. I was like, so I'm 974 00:45:32,800 --> 00:45:34,560 Speaker 1: trying to deflect because I know what she wants to ask. 975 00:45:34,560 --> 00:45:37,680 Speaker 1: But I'm like, we're not. I'm like, I'll we learned 976 00:45:37,680 --> 00:45:39,880 Speaker 1: and didn't die, Okay, I getta go. Guess she's like, 977 00:45:40,400 --> 00:45:42,200 Speaker 1: does she live in housing with me? 978 00:45:45,000 --> 00:45:46,080 Speaker 2: And the Duke of Matters? 979 00:45:46,160 --> 00:45:48,319 Speaker 1: It was I'm saying it like that's because you're all 980 00:45:48,320 --> 00:45:50,640 Speaker 1: worked there now, That's what we could afford too, child, 981 00:45:51,040 --> 00:45:52,879 Speaker 1: because before I live moved in with Drowse paying five 982 00:45:52,920 --> 00:45:54,000 Speaker 1: hundred dollars a month for a room. 983 00:45:54,520 --> 00:45:55,480 Speaker 2: That's what I could afford. 984 00:45:55,719 --> 00:45:59,400 Speaker 1: So I just share that, like the road is not 985 00:45:59,520 --> 00:46:01,600 Speaker 1: easy and it might not end and where I am 986 00:46:01,640 --> 00:46:03,719 Speaker 1: now because honestly, I'm not gonna lie. I'm still very 987 00:46:03,760 --> 00:46:06,160 Speaker 1: conscious that like the shit can fall through now too. 988 00:46:06,360 --> 00:46:09,879 Speaker 1: I mean, I mean certainly I've been like for if 989 00:46:09,880 --> 00:46:11,799 Speaker 1: I'm being all the way candidate Mandy, for all the 990 00:46:11,880 --> 00:46:15,960 Speaker 1: money that I have made in business, I don't have 991 00:46:16,080 --> 00:46:21,080 Speaker 1: half of it left over, and not from misspending as 992 00:46:21,120 --> 00:46:25,319 Speaker 1: like Tiffany, but I didn't know how to run business. 993 00:46:25,680 --> 00:46:28,319 Speaker 1: I mean, I think certainly there was a lot of overpayment, 994 00:46:28,880 --> 00:46:33,840 Speaker 1: you know, as far as employees were concerned, just overspending 995 00:46:34,040 --> 00:46:36,480 Speaker 1: on certain things like you know, like marketing and but 996 00:46:36,560 --> 00:46:37,440 Speaker 1: not getting the return. 997 00:46:38,120 --> 00:46:39,520 Speaker 2: I mean, for all the money I've. 998 00:46:39,400 --> 00:46:43,840 Speaker 1: Made, girl, I should literally be like one percent of 999 00:46:43,880 --> 00:46:46,200 Speaker 1: the one percent you know I've made over fifty million 1000 00:46:46,239 --> 00:46:46,800 Speaker 1: dollars in business. 1001 00:46:46,800 --> 00:46:48,920 Speaker 2: I don't have twenty million dollars. I don't know how 1002 00:46:49,040 --> 00:46:50,480 Speaker 2: ten million at all, you know what I mean. 1003 00:46:50,520 --> 00:46:53,520 Speaker 1: I'm just like for what I've made, and so sometimes 1004 00:46:53,520 --> 00:46:55,239 Speaker 1: they're there there's like, you know, I don't want to 1005 00:46:55,280 --> 00:46:57,040 Speaker 1: say shame, but I'm like, damn. 1006 00:46:57,760 --> 00:47:00,839 Speaker 3: Well, you're talking to your versions of Tiffany who are 1007 00:47:00,880 --> 00:47:04,200 Speaker 3: like different or done something different or had guidance or 1008 00:47:04,239 --> 00:47:07,960 Speaker 3: been there longer. And it's like the comparison up, yeah, you. 1009 00:47:07,960 --> 00:47:09,680 Speaker 1: Know, because I'm just looking like day. I mean, I 1010 00:47:09,719 --> 00:47:12,040 Speaker 1: had a friend who in business made forty million dollars 1011 00:47:12,040 --> 00:47:13,799 Speaker 1: in business and over the last two or three years, 1012 00:47:13,800 --> 00:47:14,839 Speaker 1: and she has twenty of it. 1013 00:47:15,520 --> 00:47:18,960 Speaker 3: I was like, wow, do you know how my white 1014 00:47:18,960 --> 00:47:23,440 Speaker 3: heart was like, oh, that's so great for you, but launching. 1015 00:47:23,880 --> 00:47:26,319 Speaker 3: But the thing is the tools that that person used 1016 00:47:26,320 --> 00:47:28,280 Speaker 3: and a lot of us are using today didn't exist 1017 00:47:28,320 --> 00:47:30,319 Speaker 3: when you started and you were building everything and you 1018 00:47:30,360 --> 00:47:31,759 Speaker 3: had your team and all this kind of stuff. So 1019 00:47:31,760 --> 00:47:33,640 Speaker 3: it's also like perspective. 1020 00:47:33,160 --> 00:47:35,720 Speaker 2: Yes, now you have to do myself the grace and space. 1021 00:47:35,840 --> 00:47:38,080 Speaker 1: I'm just I'm sharing that like as good as it 1022 00:47:38,120 --> 00:47:40,600 Speaker 1: seems that I have done. When I have tell you 1023 00:47:40,680 --> 00:47:43,919 Speaker 1: I literally made so many tax errors. I want to say, 1024 00:47:44,239 --> 00:47:46,960 Speaker 1: just when the business starts to take off, that it 1025 00:47:47,080 --> 00:47:50,400 Speaker 1: costs no. No, girl, we're in that we're at about 1026 00:47:50,440 --> 00:47:54,000 Speaker 1: seven figures of financial state, Like I probably had to 1027 00:47:54,000 --> 00:47:57,080 Speaker 1: pay out additional million dollars because the tax area. Like 1028 00:47:57,360 --> 00:48:00,160 Speaker 1: literally for like almost two or three years straight, every 1029 00:48:00,200 --> 00:48:01,560 Speaker 1: time I got a tax bill on top of my 1030 00:48:01,600 --> 00:48:03,879 Speaker 1: regular taxes. I remember the last bill that I got. 1031 00:48:03,960 --> 00:48:06,680 Speaker 1: I just was like, at some point, it has to 1032 00:48:07,000 --> 00:48:09,440 Speaker 1: something has to change. It was two hundred and fifty 1033 00:48:09,560 --> 00:48:13,160 Speaker 1: thousand dollars, and I was like, what can I do? 1034 00:48:14,040 --> 00:48:16,439 Speaker 3: I mean because of Memore, because that makes me feel 1035 00:48:16,440 --> 00:48:18,680 Speaker 3: better about my seven thousand dollars IRS bill that I 1036 00:48:18,719 --> 00:48:20,439 Speaker 3: still don't know what the hell. I just took a screen. 1037 00:48:20,520 --> 00:48:23,000 Speaker 3: I was like, I just I can't process this and 1038 00:48:23,000 --> 00:48:26,480 Speaker 3: that wasn't a regular picture and uploaded to my accounting 1039 00:48:26,560 --> 00:48:28,480 Speaker 3: portal and let her figure it out and tell. 1040 00:48:28,360 --> 00:48:30,399 Speaker 2: Me, thankfully we have this. 1041 00:48:30,719 --> 00:48:33,560 Speaker 1: We had this awesome account and Angie, who used to 1042 00:48:33,560 --> 00:48:36,480 Speaker 1: work for the IRS, who after like all the mess 1043 00:48:36,760 --> 00:48:38,359 Speaker 1: because I didn't really know how to hire. I didn't 1044 00:48:38,360 --> 00:48:41,520 Speaker 1: know how to She was like, we have to unearth 1045 00:48:41,640 --> 00:48:43,239 Speaker 1: what's happening here? Because I was getting a bill I 1046 00:48:43,239 --> 00:48:46,160 Speaker 1: felt like every month, and finally she got through the 1047 00:48:46,200 --> 00:48:49,200 Speaker 1: IRS was like, what's going on? Fix all the paperwork? 1048 00:48:49,239 --> 00:48:51,200 Speaker 1: And IRS was like, yes, but it's been years, so 1049 00:48:51,280 --> 00:48:53,799 Speaker 1: you have to pay those back taxes on top of 1050 00:48:54,520 --> 00:48:55,480 Speaker 1: the fees on top of that. 1051 00:48:55,600 --> 00:48:56,440 Speaker 2: No, we won't wave them. 1052 00:48:56,440 --> 00:48:58,560 Speaker 1: And it was when I tell you it was, I mean, 1053 00:48:58,640 --> 00:49:01,759 Speaker 1: I've not added it up, but for as many six 1054 00:49:01,760 --> 00:49:05,240 Speaker 1: figure bills as I've gotten, if it's not at a million, 1055 00:49:05,320 --> 00:49:07,759 Speaker 1: it's not that far from it. Can you imagine that's 1056 00:49:07,880 --> 00:49:10,040 Speaker 1: like like that I've had to pay and that's money 1057 00:49:10,080 --> 00:49:12,359 Speaker 1: from Tiffany. I'm not talking about oh the business, No, no, no, no, 1058 00:49:12,719 --> 00:49:13,920 Speaker 1: because I'm an escorp. 1059 00:49:14,000 --> 00:49:16,719 Speaker 2: I know, look at me these face like because I'm 1060 00:49:16,760 --> 00:49:18,080 Speaker 2: an es Corp. So it's passed through. 1061 00:49:18,160 --> 00:49:20,880 Speaker 1: Meaning what that means is that let's just say your 1062 00:49:20,920 --> 00:49:23,960 Speaker 1: business makes one hundred thousand dollars, right, and so if 1063 00:49:23,960 --> 00:49:26,359 Speaker 1: your business makes one hundred thousand dollars and then you 1064 00:49:26,400 --> 00:49:29,400 Speaker 1: spend fifty on running the business, the government says you 1065 00:49:29,480 --> 00:49:32,839 Speaker 1: have to pay taxes only on the fifty leftover. Now, 1066 00:49:32,880 --> 00:49:34,879 Speaker 1: if you save some of that fifty in the business, 1067 00:49:34,920 --> 00:49:36,439 Speaker 1: let's just say you say, oh, I'm gonna put twenty 1068 00:49:36,480 --> 00:49:38,880 Speaker 1: in my emergency account for business. The government says, I 1069 00:49:38,880 --> 00:49:43,560 Speaker 1: don't care, Mandy, you still owe taxes on the fifty 1070 00:49:43,800 --> 00:49:45,960 Speaker 1: not spent on business. And you might say I'm going 1071 00:49:46,040 --> 00:49:49,680 Speaker 1: to put another ten thousand aside because I want to 1072 00:49:49,680 --> 00:49:50,520 Speaker 1: do a project later. 1073 00:49:50,640 --> 00:49:52,480 Speaker 2: The government says, I don't care. 1074 00:49:52,960 --> 00:49:55,680 Speaker 1: Any money not on an es corp or LLC, any 1075 00:49:55,719 --> 00:49:57,160 Speaker 1: money not spent on the business. 1076 00:49:57,640 --> 00:50:00,680 Speaker 2: For you, the person, you have to pay taxes on 1077 00:50:00,800 --> 00:50:01,240 Speaker 2: that money. 1078 00:50:02,160 --> 00:50:05,520 Speaker 3: Why in daycare a business expense? How am I p 1079 00:50:05,520 --> 00:50:09,960 Speaker 3: post to business if the kids are here? I can't business, girl. 1080 00:50:10,040 --> 00:50:12,640 Speaker 3: There is no business if there's no childcare. 1081 00:50:12,800 --> 00:50:16,400 Speaker 1: And so just imagine that million dollars basically in over 1082 00:50:16,400 --> 00:50:18,879 Speaker 1: the last few years that I've had to pay. That's 1083 00:50:19,000 --> 00:50:21,359 Speaker 1: money that if I didn't have to pay that to 1084 00:50:21,400 --> 00:50:23,600 Speaker 1: the I r S for all these mistakes, would have 1085 00:50:23,719 --> 00:50:24,960 Speaker 1: landed into my account. 1086 00:50:26,400 --> 00:50:28,520 Speaker 2: So like just like really like like that's. 1087 00:50:28,400 --> 00:50:32,120 Speaker 3: I can, right, And so Biggie was right, money mom. 1088 00:50:32,360 --> 00:50:34,640 Speaker 2: I mean, it's hard around here in these parts. 1089 00:50:36,400 --> 00:50:38,160 Speaker 1: It's just I mean, I know it sounds like somewhere 1090 00:50:38,239 --> 00:50:41,239 Speaker 1: like unrelated, like, but it's just me and Mandy are 1091 00:50:41,280 --> 00:50:42,440 Speaker 1: sharing this because. 1092 00:50:42,200 --> 00:50:42,759 Speaker 2: It's just. 1093 00:50:44,760 --> 00:50:45,879 Speaker 3: That's good for one thing. 1094 00:50:46,400 --> 00:50:48,040 Speaker 2: I don't yeah, and plus I don't even know what 1095 00:50:48,040 --> 00:50:48,439 Speaker 2: I'm doing. 1096 00:50:48,480 --> 00:50:50,800 Speaker 3: I mean, I know, it's like it's stressful to pretend 1097 00:50:50,840 --> 00:50:51,839 Speaker 3: like I got it all. 1098 00:50:53,080 --> 00:50:55,040 Speaker 2: Every day we'd be making it up. I don't know. 1099 00:50:55,520 --> 00:50:57,080 Speaker 1: When my team asked me, I'm like, girl, you know, 1100 00:50:57,120 --> 00:50:58,640 Speaker 1: I don't know. I know just as much as you. 1101 00:50:59,000 --> 00:51:01,439 Speaker 1: And the only thing I do know is that through 1102 00:51:01,480 --> 00:51:04,239 Speaker 1: past experiences it helps to inform to help me make 1103 00:51:04,280 --> 00:51:05,120 Speaker 1: better decisions. 1104 00:51:06,239 --> 00:51:08,720 Speaker 2: But I don't know. I've never been in this position, 1105 00:51:09,280 --> 00:51:11,760 Speaker 2: like how do you how do you launch a workbook 1106 00:51:11,800 --> 00:51:12,520 Speaker 2: version of your book? 1107 00:51:12,560 --> 00:51:14,480 Speaker 1: I don't know, but I do know how to launch 1108 00:51:14,520 --> 00:51:16,400 Speaker 1: a book because I did that, and so I use 1109 00:51:16,480 --> 00:51:17,879 Speaker 1: some of those things and some of it is working 1110 00:51:17,880 --> 00:51:20,520 Speaker 1: and some of us. Every all that it's like a 1111 00:51:20,560 --> 00:51:23,399 Speaker 1: being a parent every day is new. You know, when 1112 00:51:23,440 --> 00:51:25,560 Speaker 1: Rio turns five, you'll have never had a five year 1113 00:51:25,560 --> 00:51:27,200 Speaker 1: old before. You're gonna have to figure out what it's 1114 00:51:27,200 --> 00:51:29,160 Speaker 1: like to have a five year old. And so when 1115 00:51:29,200 --> 00:51:30,840 Speaker 1: the baby is two, you're like, Okay, I've had a 1116 00:51:30,880 --> 00:51:32,200 Speaker 1: two year old before, but I've never had a two 1117 00:51:32,280 --> 00:51:34,399 Speaker 1: year old when I also had an older kid. So 1118 00:51:34,640 --> 00:51:37,080 Speaker 1: all you do is that you take your knowledge and there's. 1119 00:51:36,960 --> 00:51:37,920 Speaker 3: A different example. 1120 00:51:37,960 --> 00:51:40,240 Speaker 2: I'm going to be stressed and then you do your best. 1121 00:51:40,280 --> 00:51:41,879 Speaker 2: And so I've just just. 1122 00:51:41,840 --> 00:51:44,080 Speaker 3: Known you try to look back on it without being 1123 00:51:44,120 --> 00:51:47,360 Speaker 3: too hard on yourself. Yeah, and also that goes for 1124 00:51:47,440 --> 00:51:50,480 Speaker 3: y'all too who are listening. Yes, damn it, because we're 1125 00:51:50,520 --> 00:51:54,640 Speaker 3: not perfect and you don't sit there judging. It's easy 1126 00:51:54,719 --> 00:51:57,000 Speaker 3: to judge. But also I think, I mean, we can 1127 00:51:57,000 --> 00:51:59,200 Speaker 3: be vulnerable with our audience, feel like our audience gets it. 1128 00:51:59,480 --> 00:52:02,879 Speaker 3: But I get really worried when people come through Mandy 1129 00:52:02,880 --> 00:52:04,239 Speaker 3: money Makers and I found that they want to be 1130 00:52:04,280 --> 00:52:06,120 Speaker 3: a coach, and I'm like, did I make it seem 1131 00:52:06,160 --> 00:52:11,279 Speaker 3: too easy? It's not. I had a career for a 1132 00:52:11,280 --> 00:52:14,160 Speaker 3: long time for a reason. But you know what I realized, 1133 00:52:15,320 --> 00:52:18,000 Speaker 3: brown ambition, the thing that we made together has become 1134 00:52:18,080 --> 00:52:21,440 Speaker 3: the consistent beyond my course, the consistent one of the 1135 00:52:21,480 --> 00:52:23,560 Speaker 3: consistent income streams that I have and I'm so grateful 1136 00:52:23,600 --> 00:52:28,000 Speaker 3: for and I'm just like more of those, please, But 1137 00:52:28,040 --> 00:52:29,160 Speaker 3: I'm a baby business. 1138 00:52:29,200 --> 00:52:31,799 Speaker 1: Okay, No, we all make it, and that's why we 1139 00:52:31,880 --> 00:52:34,080 Speaker 1: have this podcast and we share, and Mandy and I 1140 00:52:34,120 --> 00:52:36,120 Speaker 1: share with each other because I don't know all the 1141 00:52:36,160 --> 00:52:38,600 Speaker 1: things there's times when I'm like, Mandy, because you've worked 1142 00:52:38,600 --> 00:52:39,839 Speaker 1: on the corporate side, what am I. 1143 00:52:39,760 --> 00:52:40,359 Speaker 2: Doing wrong here? 1144 00:52:40,400 --> 00:52:45,440 Speaker 1: She's done, She's literally done like training for my employees, 1145 00:52:45,960 --> 00:52:48,480 Speaker 1: because she has a set of knowledge and a skill 1146 00:52:48,520 --> 00:52:51,799 Speaker 1: set that I don't have. And so it's important as 1147 00:52:51,840 --> 00:52:53,920 Speaker 1: you are navigating, whether you work in corporate or whether 1148 00:52:53,960 --> 00:52:56,080 Speaker 1: you work you know, you have your own business or whatever, 1149 00:52:56,480 --> 00:53:00,799 Speaker 1: that you networks Ray sat at best, everybody wants a network. 1150 00:53:00,840 --> 00:53:06,120 Speaker 1: Virtically everybody wants bro Beyonce and Oprah are busy network horizontally, Like, hey, 1151 00:53:06,160 --> 00:53:07,759 Speaker 1: I know this thing, Mandy, but you know that thing 1152 00:53:07,800 --> 00:53:11,440 Speaker 1: can be exchanged. So that horizontal network is so critical. 1153 00:53:11,680 --> 00:53:13,480 Speaker 1: So you might be far ahead in one space, but 1154 00:53:13,480 --> 00:53:14,920 Speaker 1: there's another space. I'm like, I don't know how to 1155 00:53:15,000 --> 00:53:15,719 Speaker 1: do that, and. 1156 00:53:15,680 --> 00:53:17,759 Speaker 3: So don't not work with me. About taxes, I'm still 1157 00:53:17,760 --> 00:53:18,319 Speaker 3: figuring that shit. 1158 00:53:19,040 --> 00:53:22,560 Speaker 2: Not be either shit. I'm finally I think I haven't 1159 00:53:22,560 --> 00:53:23,320 Speaker 2: gotten a letter. 1160 00:53:23,120 --> 00:53:25,360 Speaker 3: In a long time. You know, I don't think anyone 1161 00:53:25,400 --> 00:53:26,640 Speaker 3: has their taxes figured out. 1162 00:53:27,360 --> 00:53:31,439 Speaker 1: This country's must So this has been a super long 1163 00:53:31,600 --> 00:53:39,279 Speaker 1: therapeutic episode. So we're gonna say goodbye, farewell. 1164 00:53:39,520 --> 00:53:44,160 Speaker 3: We're going I thought there was like when the beat 1165 00:53:44,239 --> 00:53:50,400 Speaker 3: drops goodbye, But that's okay. 1166 00:53:50,200 --> 00:53:51,960 Speaker 1: Because we can see you guys on Friday for b 1167 00:53:52,080 --> 00:53:54,760 Speaker 1: a q A, where if you have questions about business, career, 1168 00:53:55,600 --> 00:53:59,280 Speaker 1: personal finances, we are here to your too smart, cute 1169 00:53:59,280 --> 00:54:03,279 Speaker 1: brown girlfriends and we'll help you out there. But until then, 1170 00:54:03,400 --> 00:54:05,200 Speaker 1: I mean, honestly, we'd love your feedback, like I mean, 1171 00:54:05,360 --> 00:54:08,560 Speaker 1: tweet us dmost on Instagram, like you know, what are 1172 00:54:08,560 --> 00:54:11,399 Speaker 1: you struggling with? You know even, I mean, I would 1173 00:54:11,440 --> 00:54:12,680 Speaker 1: just love even if you want to do like an 1174 00:54:12,719 --> 00:54:14,320 Speaker 1: anonymous we might do that in like a b a 1175 00:54:14,400 --> 00:54:16,040 Speaker 1: q A. And sometimes you just want to be like 1176 00:54:16,080 --> 00:54:18,480 Speaker 1: I just want I need to tell somebody anonymously the 1177 00:54:18,520 --> 00:54:20,520 Speaker 1: struggle that I'm having. Even if you're not wanting advice, 1178 00:54:20,760 --> 00:54:21,759 Speaker 1: you know, we'd welcome that too. 1179 00:54:21,920 --> 00:54:25,680 Speaker 2: Sometimes you just need to say this, say it out loud, yes, exactly. 1180 00:54:25,440 --> 00:54:26,520 Speaker 3: Oh jinks. 1181 00:54:26,600 --> 00:54:28,600 Speaker 1: Oh maybe I should be a section a segment of 1182 00:54:28,680 --> 00:54:31,160 Speaker 1: b a QA say it out loud, sex shift? Sorry 1183 00:54:31,239 --> 00:54:34,439 Speaker 1: what no I said a section of B AQA say 1184 00:54:34,440 --> 00:54:34,879 Speaker 1: it out loud? 1185 00:54:34,920 --> 00:54:38,799 Speaker 3: Oh not me scratching my itchy army talking about my. 1186 00:54:38,800 --> 00:54:41,560 Speaker 1: Finances morel you know, like B a q A may 1187 00:54:41,600 --> 00:54:43,600 Speaker 1: have Like you don't even want advice you just want. 1188 00:54:43,440 --> 00:54:44,040 Speaker 2: To say it out loud. 1189 00:54:44,120 --> 00:54:48,560 Speaker 3: Let's let's consider okay, dumpy your stuff on us. We're 1190 00:54:48,600 --> 00:54:53,480 Speaker 3: like a priez but in you're nut anyway. Let the 1191 00:54:53,600 --> 00:55:06,040 Speaker 3: beat drunkerbye then b bye. This is why I don't 1192 00:55:06,040 --> 00:55:06,720 Speaker 3: sing the songs.