WEBVTT - Humble Beginnings? I'm In the Humble Now (Ep 379)

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<v Speaker 1>Hey, hey, hey, we're back.

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<v Speaker 2>We're black, We're brown.

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<v Speaker 1>Ambition ambition, ambition, ambition, ambition. Hey mandra, Hi, gorgeous.

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<v Speaker 2>How are you with your beautiful here today?

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<v Speaker 3>Well I'm hanging in there, you know, I am. But

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<v Speaker 3>the sun is shining. And we survived the biblical floods

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<v Speaker 3>in the on the on the East Coast on Friday.

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<v Speaker 2>That was fun.

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<v Speaker 3>It was It was biblical and I mean it, yeah,

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<v Speaker 3>it was nuts. But shout out to my community, my neighbors.

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<v Speaker 3>We all rallied together and one mom stayed at the

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<v Speaker 3>bus stop because so the other moms who were stuck

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<v Speaker 3>in traffic and couldn't get home for their kids pick

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<v Speaker 3>up early pickup dismissal and you know, and one of

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<v Speaker 3>my friends, one of my neighbors, Lynn, came and watched

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<v Speaker 3>my baby while I got early from school.

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<v Speaker 2>Walk You couldn't even drive.

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<v Speaker 3>Yeah, well I could have, but I didn't want to

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<v Speaker 3>get It would have been fine going there, but I

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<v Speaker 3>would have been stuck in so much traffic getting back

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<v Speaker 3>that I figured, let me just park the car. And

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<v Speaker 3>I just told myself, it's like ten city blocks, you

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<v Speaker 3>know what I mean. Like a New Yorker, you just

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<v Speaker 3>like whatever, and Rio had he had a ball. He

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<v Speaker 3>was like, this is fine. There's water features. Now there's police. Hell,

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<v Speaker 3>there's like police fireboats and fire trucks and fire people

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<v Speaker 3>and all this like commotion. And he was just he

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<v Speaker 3>told everyone he wanted to hear that. We saw lots

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<v Speaker 3>of flooding and the train station flooded. And but it

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<v Speaker 3>was I mean, neighbors, basements flooded, and we're we're lucky

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<v Speaker 3>we're on like a bit of a hill. But our

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<v Speaker 3>neighbors at the base of the hill, yeah, got flooded.

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<v Speaker 3>And my friend's car got flooded at the train station.

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<v Speaker 3>It's going to be totaled. So you know, I mean luckily,

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<v Speaker 3>no that I know of, no loss of life or

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<v Speaker 3>injuries near here. But it was bad. And in my

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<v Speaker 3>infinite wisdom, I was like, told the babysitter, you need

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<v Speaker 3>a home. It looks pretty bad out there. And then

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<v Speaker 3>well in school was like come get your kid. I

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<v Speaker 3>was like, oops, just shot myself and that's food. So

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<v Speaker 3>that's where my neighbor land came in. So okay, how

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<v Speaker 3>was it a new work?

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<v Speaker 2>It wasn't.

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<v Speaker 1>I mean, so I flew out' actually in Atlanta right now,

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<v Speaker 1>So when the rain started, I was flying out, thank god.

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<v Speaker 1>I mean, I don't know if they delayed any flights,

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<v Speaker 1>but I had a really early flight at seven am.

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<v Speaker 1>So I remember like like being like, what the hell

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<v Speaker 1>because it started raining the night before and in the morning,

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<v Speaker 1>I'm like, it's raining kind of hard, so much so

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<v Speaker 1>that like our uber, this never happened to me before.

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<v Speaker 1>We heard a big boom, like he drove to a

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<v Speaker 1>puddle and we heard this like big boom and the

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<v Speaker 1>tire blew out completely thankfully. I mean he had great

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<v Speaker 1>control in Atlanta. No, no, this is in Jersey. On

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<v Speaker 1>the way to the airport.

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<v Speaker 3>Oh, I was gonna say, in Atlanta, who got the

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<v Speaker 3>pothole posse? That was like a big thing back in

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<v Speaker 3>the nineties.

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<v Speaker 1>And I was like, what that never happened to before. Thankfully,

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<v Speaker 1>We're all okay. The uber driver was so nice. I

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<v Speaker 1>felt so bad because this tie was finitail. And so

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<v Speaker 1>another uber picked us up and took us to the airport.

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<v Speaker 1>And yeah, I got to Atlanta and the weather here

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<v Speaker 1>is like eighty degrees and I'm like, wait, I'm so confused.

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<v Speaker 2>Eighty and Sunday. I feel like I'm in the Caribbean.

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<v Speaker 3>Ah. Yeah, but this time of year it is not

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<v Speaker 3>incredibly humid. No, you can enjoy that little dry eighty

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<v Speaker 3>It is that.

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<v Speaker 1>Yes, I have to say, it's really I mean, I

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<v Speaker 1>like brought geens and I'm like why literally it's shortened

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<v Speaker 1>tank top weather.

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<v Speaker 2>I'm so confused. My body is like I'm confused.

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<v Speaker 3>You're probably gonna get sick now.

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<v Speaker 1>Because it's just really really so I'm out here because

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<v Speaker 1>I did this conference called a three C.

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<v Speaker 2>I said a three c AC three A three C,

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<v Speaker 2>which is like this.

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<v Speaker 1>Conference focused on finance, tech and entertainment, and so it

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<v Speaker 1>was great, Like the networking has been amazing. I forget

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<v Speaker 1>how people down south are so nice. Everyone is like,

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<v Speaker 1>you know, like sometimes you go to like a conference

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<v Speaker 1>and you speak or whatever, and you just feel like

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<v Speaker 1>the other speakers are not quite as welcoming.

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<v Speaker 2>But that is not the case here.

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<v Speaker 1>I've heard that, in particular that Atlanta, the black professionals

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<v Speaker 1>are really just open to being like I'm doing this,

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<v Speaker 1>how can I help you?

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<v Speaker 2>And you know, let's collaborate.

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<v Speaker 1>That there's this a collaborative kind of like energy here

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<v Speaker 1>and I mean I could see it full time, like

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<v Speaker 1>I'll give you an example, the master investor Ian his

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<v Speaker 1>he had a bodyguard. So Ian's like on that market

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<v Speaker 1>Mondays with Erner Leisure, you know, yeah yeah, and.

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<v Speaker 3>So we had him on the podcast with them mm hm.

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<v Speaker 1>Mm hmm yeah, and so like he had the bodyguard, bodyguard,

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<v Speaker 1>big guy, muscular, all this, and so I ended up

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<v Speaker 1>just talking to him and I was just like, you

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<v Speaker 1>know how you know, like, are your body gud for

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<v Speaker 1>other people? He named some other rappers. He's like, I'll

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<v Speaker 1>never want to do that work, he said, because rappers

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<v Speaker 1>are the biggest punks. He was like, you know, I've

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<v Speaker 1>had rappers punch people in the face and look at

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<v Speaker 1>me like you got them right.

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<v Speaker 2>It's like wait, Like he.

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<v Speaker 1>Was like, I would love to be like do more

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<v Speaker 1>like of the finance guys, which I I think it's

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<v Speaker 1>hilarious that finance guys now have like bodyguards, but whatever,

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<v Speaker 1>he said, because you know they're super chill. You're just

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<v Speaker 1>more so that no one's going to steal from you

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<v Speaker 1>or or whatever. And so but he was telling me,

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<v Speaker 1>he was like, actually, you know, like I'm an accountant

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<v Speaker 1>by trade.

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<v Speaker 2>I mean this guy is.

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<v Speaker 1>Massive, like six two sixty four, I mean muscles, on

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<v Speaker 1>muscles and I was like really. He was like, yeah,

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<v Speaker 1>you know, I started doing accounting and I really want

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<v Speaker 1>to get into finance. And he was like, so one

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<v Speaker 1>of the reasons I made the switch into doing body

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<v Speaker 1>bodyguard work for this industry is because proximity I.

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<v Speaker 2>Want to learn.

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<v Speaker 1>I just thought that was so awesome, you know, and

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<v Speaker 1>he was like he is away cover. Yeah, and I

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<v Speaker 1>just love that for him. I was like, okay, so yeah,

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<v Speaker 1>So it was just.

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<v Speaker 3>You've mentioned before that financial like pros influencers now have bodyguards,

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<v Speaker 3>and I was like, wow, we reached that stage.

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<v Speaker 1>Yeah, I don't know, not me, because he asked me,

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<v Speaker 1>did I have one? And I was like, no, No,

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<v Speaker 1>one's run.

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<v Speaker 2>Up on only.

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<v Speaker 3>Yeah, I would be shit, but your vibe is different

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<v Speaker 3>than some Yeah, I have a master investor with his marketing. Yeah,

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<v Speaker 3>it could be a target.

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<v Speaker 2>You know me, I'm gonna target Marshall's girls. So you

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<v Speaker 2>go see me there and be like, hey, girl, we're

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<v Speaker 2>gonna run.

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<v Speaker 3>On say that a lot.

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<v Speaker 2>I see why.

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<v Speaker 3>Now, don't take me for ransom. No, my family can

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<v Speaker 3>afford me. I'm the money. Ooh, maybe they'll take someone.

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<v Speaker 3>Oh no, not baby, Lisa. This is where my head

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<v Speaker 3>is going, they're gonna kidnap you, so they're gonna hold

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<v Speaker 3>you for ransoms, gonna be all this crypto.

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<v Speaker 2>Okay, but but I do that. I just so, yeah,

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<v Speaker 2>it's just been like that was really cool.

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<v Speaker 1>But I wanted to talk about like so it was

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<v Speaker 1>so crazy because you know, the phones be listening. So

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<v Speaker 1>when I was I landed in Atlanta and I'd opened

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<v Speaker 1>up my Instagram and there was this post saying that

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<v Speaker 1>the Atlanta that nobody wants you to see. And I

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<v Speaker 1>was like, huh, And it was like this post of

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<v Speaker 1>this woman who was showing parts of downtown Atlanta where

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<v Speaker 1>like just a lot of unhoused people, just like areas

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<v Speaker 1>that were little CD looking and I was like, this

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<v Speaker 1>is like.

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<v Speaker 2>When I first.

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<v Speaker 1>Landed, I didn't think anything of it until I got

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<v Speaker 1>to to my hotel where I'm staying. It's in midtown,

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<v Speaker 1>like literally well directly downtown downtown, and the day I landed,

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<v Speaker 1>it was still we landed pretty early, and I said, oh, well,

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<v Speaker 1>you know me, I love my walks. I said, let

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<v Speaker 1>me go for a walk. I can say I have

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<v Speaker 1>traveled to many different places. I mean just this year alone, Egypt, Kenya,

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<v Speaker 1>you know London, Paris, off Ey Coast, and I live

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<v Speaker 1>in Newark. I have not felt unsafe like this in

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<v Speaker 1>a long time. Downtown there were so many unhoused people.

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<v Speaker 1>And it wasn't the unhoused park, but it was the

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<v Speaker 1>unhoused that were unwell. It was there were so many

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<v Speaker 1>aggressive like either whereabouts.

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<v Speaker 3>Which is that just downtown? Like where are we talking? Yeah?

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<v Speaker 3>A landmark?

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<v Speaker 1>So okay, so I'm not really good at like.

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<v Speaker 3>Like Centennial Park at Mercedes Stadium.

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<v Speaker 1>Yeah, so by Mercedes Stadium, but also too by like

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<v Speaker 1>Peach peaked Peach was it Peach Street?

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<v Speaker 3>Okay, well there's seventy five.

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<v Speaker 1>I know, I'm just like I mean, but like like

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<v Speaker 1>I'm saying, I think, like the chance is that the

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<v Speaker 1>Candler Hotel, which is like right downtown.

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<v Speaker 2>Okay, I can't even I'm just like, you know.

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<v Speaker 1>I don't have my my my my barrier. But I mean,

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<v Speaker 1>but even I walked about three miles one way and back,

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<v Speaker 1>you know, so I got to see, like I mean,

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<v Speaker 1>certainly there are parts I'm like, oh, okay, this is

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<v Speaker 1>clearly a part like you know them.

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<v Speaker 2>Gets a little nicer, yes, But I was really shocked.

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<v Speaker 1>Like like I said, unhouse people you know, I see

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<v Speaker 1>all the time, but the amount that were I don't

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<v Speaker 1>know whether it was you know, under the influence or

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<v Speaker 1>there's just mental health, but the the sheer amount. Maybe

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<v Speaker 1>there was literally street where the whole street was just

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<v Speaker 1>people laying and not just laying like you know, like

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<v Speaker 1>off to the side, but in the middle of the sidewalk.

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<v Speaker 1>I just was like, wait, what it seemed like a movie,

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<v Speaker 1>like it seemed you could film of zombie Apocalypse and

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<v Speaker 1>be like you don't have to twitch anything.

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<v Speaker 2>And I just I've.

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<v Speaker 1>Never seen there was so so you know, the Martyr,

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<v Speaker 1>so you know, the big five points Marta.

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<v Speaker 2>That was when it was like the word I was.

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<v Speaker 1>There was one side of downtown Atlanta on that that

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<v Speaker 1>train station, and the other side I never it looked

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<v Speaker 1>like and abandoned.

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<v Speaker 2>Like I can't even describe it.

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<v Speaker 1>There must have been like fifty or sixty men standing

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<v Speaker 1>outside of this Walgreens just kind of like standing waiting,

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<v Speaker 1>I don't know for you know, like and it just

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<v Speaker 1>was heartbreaking to see. And I just I didn't I

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<v Speaker 1>guess I'm like, I honestly was at a loss for words.

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<v Speaker 2>You know. There were parts where I'm like this is

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<v Speaker 2>the this is where it's.

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<v Speaker 1>The smell of urine made me gag, Like right outside

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<v Speaker 1>the Martar station where I'm just like, people are just

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<v Speaker 1>like literally police tapping people to see are they still

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<v Speaker 1>here with us? Because of the way they were just

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<v Speaker 1>laid out. I've never seen anything like it, and so

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<v Speaker 1>I I went. They had this African Caribbean festival. I

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<v Speaker 1>went there yesterday, which was great fun, It was great.

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<v Speaker 1>And on the way back, I ordered an uber and

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<v Speaker 1>it was this young woman who I went to high

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<v Speaker 1>school with, Keana.

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<v Speaker 2>I was, Oh, my god, Keana, what are you doing here?

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<v Speaker 1>You know she lives she grew up in Jersey and

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<v Speaker 1>we just got to talking and I asked her about it.

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<v Speaker 1>She said, yeah, it's been getting worse and worse and worse.

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<v Speaker 1>And then she informed me that in August alone, I think,

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<v Speaker 1>I want to say, she said August or maybe the July,

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<v Speaker 1>there were eighty thousand evictions, not in the state of Georgia,

0:10:31.000 --> 0:10:35.360
<v Speaker 1>in Atlanta alone, and I was just like, what's really

0:10:35.400 --> 0:10:41.119
<v Speaker 1>happening that it is becoming it gets becoming too expensive

0:10:41.160 --> 0:10:45.760
<v Speaker 1>for basic needs. Everything is going up but income, and

0:10:45.840 --> 0:10:48.720
<v Speaker 1>so I'm just wondering, like city to city to city

0:10:49.280 --> 0:10:52.000
<v Speaker 1>is this kind of like what's happening, you know what

0:10:52.040 --> 0:10:55.320
<v Speaker 1>I mean, Like where people just don't even like you

0:10:55.360 --> 0:10:58.040
<v Speaker 1>can't we talk about like, oh I can't afford a house,

0:10:58.160 --> 0:11:01.800
<v Speaker 1>That's one thing, but literally I can't afford to have

0:11:01.840 --> 0:11:03.880
<v Speaker 1>a safe place to lay my head. It seems like

0:11:03.960 --> 0:11:04.840
<v Speaker 1>that's what's happening.

0:11:04.840 --> 0:11:05.080
<v Speaker 3>Now.

0:11:05.240 --> 0:11:08.640
<v Speaker 1>I've read someplace too that the current president has this

0:11:08.800 --> 0:11:12.560
<v Speaker 1>like affordability housing crisis, like kind of my task force

0:11:12.640 --> 0:11:17.200
<v Speaker 1>or something that like, because yeah, I just well.

0:11:17.120 --> 0:11:18.880
<v Speaker 3>The thing is, and you know, I knew you were

0:11:18.880 --> 0:11:22.160
<v Speaker 3>going to talk about this, and I was coming today

0:11:22.160 --> 0:11:26.360
<v Speaker 3>to talk about the childcare cliff because my store, my

0:11:26.400 --> 0:11:30.200
<v Speaker 3>head heads at is like, you know, the incredible cost

0:11:30.200 --> 0:11:32.400
<v Speaker 3>of childcare and how little we give a fuck about

0:11:32.440 --> 0:11:36.440
<v Speaker 3>children in this country. And it's so sad. I'm like

0:11:36.520 --> 0:11:38.480
<v Speaker 3>shaking my grippy socks that I got so I will

0:11:38.520 --> 0:11:42.920
<v Speaker 3>slip in my heartwood floors and in my research over that,

0:11:43.080 --> 0:11:45.560
<v Speaker 3>I'm like, and you talking about this. These are I

0:11:45.559 --> 0:11:49.280
<v Speaker 3>feel like two issues that have been well, they were

0:11:49.280 --> 0:11:53.960
<v Speaker 3>already in existence right pre pandemic. The unhoused you know

0:11:54.040 --> 0:11:56.600
<v Speaker 3>in Atlanta. I mean, go back to the Olympics, if

0:11:56.640 --> 0:11:58.400
<v Speaker 3>you recall like in the nineties when we had the

0:11:58.400 --> 0:12:01.400
<v Speaker 3>Olympics in Atlanta, it was a city too busy to hate,

0:12:01.440 --> 0:12:03.760
<v Speaker 3>you know, and they all have the sparkling marketing campaign,

0:12:03.840 --> 0:12:06.640
<v Speaker 3>and yet they were like shoveling the homeless off the

0:12:06.679 --> 0:12:09.520
<v Speaker 3>steps of downtown Atlanta, like get out of here. We

0:12:09.559 --> 0:12:11.560
<v Speaker 3>don't want this on the brochure, you know, we don't

0:12:11.559 --> 0:12:14.160
<v Speaker 3>want people like you Tiffany visiting Atlanta for the Olympics

0:12:14.160 --> 0:12:16.240
<v Speaker 3>and being distracted by this riff rap, you know, this

0:12:17.160 --> 0:12:19.200
<v Speaker 3>the mess under the bed, the mess that we shove

0:12:19.240 --> 0:12:23.080
<v Speaker 3>in the closet, and I you know, and yeah, and

0:12:23.120 --> 0:12:27.280
<v Speaker 3>Atlanta is victim to the same forces that have pushed out,

0:12:29.000 --> 0:12:32.880
<v Speaker 3>you know, low to middle income people. Even in New York,

0:12:33.000 --> 0:12:38.360
<v Speaker 3>where I moved to thirteen yeah, thirteen years ago, you

0:12:38.440 --> 0:12:40.800
<v Speaker 3>get pushed further and further and further away. You're not

0:12:40.840 --> 0:12:44.319
<v Speaker 3>erasing the problem, but because of rising prices and gentrification

0:12:45.840 --> 0:12:49.320
<v Speaker 3>and no social safety nets, you just you know, shove

0:12:49.360 --> 0:12:52.880
<v Speaker 3>the problem out. And I think in Atlanta, what's interesting

0:12:53.000 --> 0:12:58.360
<v Speaker 3>and not interesting? But in New York there's Heidi holes,

0:12:58.440 --> 0:13:01.200
<v Speaker 3>there's everything is so big and so massive, and there's

0:13:01.200 --> 0:13:05.000
<v Speaker 3>so many distractions, and you have the subway system where

0:13:05.000 --> 0:13:08.000
<v Speaker 3>a lot of the unhoused will seek refuge and you

0:13:08.040 --> 0:13:11.319
<v Speaker 3>have you do have shelters, but they're tucked away and

0:13:11.559 --> 0:13:14.720
<v Speaker 3>you know there's I think they they sort of and

0:13:14.760 --> 0:13:17.680
<v Speaker 3>with the yeah, they're spread. You know, it's so much

0:13:17.880 --> 0:13:22.000
<v Speaker 3>area in Atlanta, I think because the relationship most people

0:13:22.120 --> 0:13:24.439
<v Speaker 3>have with the city is through driving. Like you don't

0:13:24.520 --> 0:13:27.880
<v Speaker 3>walk Atlanta. Like you were walking Atlanta, you don't typically

0:13:27.880 --> 0:13:30.000
<v Speaker 3>do that. The city is moving toward more of a

0:13:30.000 --> 0:13:34.440
<v Speaker 3>walking culture. They finally have the the what do you

0:13:34.480 --> 0:13:38.160
<v Speaker 3>call that that pathway everyone walks on in Atlanta. I can't.

0:13:38.280 --> 0:13:42.560
<v Speaker 3>I can't think of it anyway. But so all that

0:13:42.600 --> 0:13:45.320
<v Speaker 3>to say is it was already a problem. But that

0:13:45.840 --> 0:13:49.040
<v Speaker 3>and also the lack of childcare, they were both issues before.

0:13:49.720 --> 0:13:53.080
<v Speaker 3>But during the pandemic what happened. We finally got our

0:13:53.120 --> 0:13:56.199
<v Speaker 3>shit together and had some social safety nets put in place.

0:13:56.240 --> 0:13:58.720
<v Speaker 3>So you had the eviction moratorium, which is one thing

0:13:59.200 --> 0:14:04.000
<v Speaker 3>that was put in place that until this past summer.

0:14:04.040 --> 0:14:06.200
<v Speaker 3>A lot of the in Atlanta is one of those states,

0:14:06.280 --> 0:14:09.520
<v Speaker 3>or sorry, one of those cities where the eviction moratorium

0:14:09.559 --> 0:14:12.199
<v Speaker 3>expired and they chose not to continue it. And that's

0:14:12.200 --> 0:14:14.880
<v Speaker 3>where you got that eighty thousand, you know number, and

0:14:14.880 --> 0:14:16.880
<v Speaker 3>then I looked in September it was twelve thousand, So

0:14:16.920 --> 0:14:19.320
<v Speaker 3>it's come down from that peak. But you see how

0:14:19.320 --> 0:14:21.880
<v Speaker 3>many people were on the cusp, you know. And at

0:14:21.880 --> 0:14:24.960
<v Speaker 3>the same time, we also right now are just fell

0:14:24.960 --> 0:14:28.440
<v Speaker 3>off of a childcare cliff, Like all this extra funding

0:14:28.480 --> 0:14:31.880
<v Speaker 3>that the government provided childcare centers during the pandemic so

0:14:31.960 --> 0:14:34.040
<v Speaker 3>they could stay open, so they could pay their staff

0:14:35.440 --> 0:14:38.480
<v Speaker 3>has also expired. And I'm having a I know that

0:14:38.520 --> 0:14:42.000
<v Speaker 3>we averted the government shut down, and I don't know

0:14:42.040 --> 0:14:44.400
<v Speaker 3>if it's because it's just not a headline issue, but

0:14:44.440 --> 0:14:47.040
<v Speaker 3>I can't figure out did we go over the cliff?

0:14:47.160 --> 0:14:49.240
<v Speaker 3>I don't I think we did. I don't think it

0:14:49.320 --> 0:14:51.280
<v Speaker 3>was saved in this forty five day extension of the

0:14:51.280 --> 0:14:57.320
<v Speaker 3>federal budget. So I without these and I'm not saying

0:14:57.320 --> 0:15:02.359
<v Speaker 3>that the eviction moratorium that was never going to solve homelessness.

0:15:02.440 --> 0:15:05.240
<v Speaker 3>It was it was bad for landowners land you know,

0:15:06.280 --> 0:15:09.880
<v Speaker 3>landlords and you know homeowners and home and all that

0:15:09.920 --> 0:15:13.840
<v Speaker 3>it was. It wasn't a perfect solution. Neither would injecting

0:15:13.880 --> 0:15:17.120
<v Speaker 3>an infusion of cash into childcare because the reality is

0:15:17.120 --> 0:15:20.440
<v Speaker 3>that it's just so expensive and families can't afford it,

0:15:20.480 --> 0:15:23.360
<v Speaker 3>so they needed those subsidies or else they would have

0:15:23.400 --> 0:15:26.200
<v Speaker 3>to start as they have been passing on the cost

0:15:26.280 --> 0:15:31.640
<v Speaker 3>to families and losing customers that way, or losing their

0:15:31.680 --> 0:15:36.560
<v Speaker 3>staff to like my son's daycare that he used to

0:15:36.560 --> 0:15:39.960
<v Speaker 3>go to before I finally got access to you universal

0:15:40.000 --> 0:15:43.040
<v Speaker 3>pre K, they had several of his teachers that quit

0:15:43.160 --> 0:15:46.080
<v Speaker 3>in the last few months. And this daycare was known

0:15:46.120 --> 0:15:47.920
<v Speaker 3>for not having a lot of turnover, which is quite

0:15:48.240 --> 0:15:51.680
<v Speaker 3>you know, hard to do, and it was like they

0:15:51.680 --> 0:15:54.400
<v Speaker 3>were getting higher wages somewhere else. You know, these were

0:15:54.440 --> 0:15:57.920
<v Speaker 3>great people that they lost, and it's just it just

0:15:57.960 --> 0:16:00.920
<v Speaker 3>makes me think of the lack of so safety nets.

0:16:00.920 --> 0:16:03.240
<v Speaker 3>And call me a bleeding heart liberal all you want,

0:16:03.320 --> 0:16:07.560
<v Speaker 3>but not we have. We can't not care about the

0:16:07.600 --> 0:16:15.800
<v Speaker 3>most vulnerable children, the chronically mentally ill, of course, the elderly.

0:16:16.600 --> 0:16:17.760
<v Speaker 2>I don't know if you can feel it, but I

0:16:17.800 --> 0:16:19.000
<v Speaker 2>can feel it just.

0:16:18.880 --> 0:16:21.200
<v Speaker 1>From just talking casually to friends that we're doing fine,

0:16:21.720 --> 0:16:24.360
<v Speaker 1>who are not doing fine. I'm talking about people who

0:16:24.360 --> 0:16:29.040
<v Speaker 1>have you know, college education and degrees and experience and

0:16:29.360 --> 0:16:31.640
<v Speaker 1>haven't at work for months and months and months. I mean,

0:16:31.680 --> 0:16:34.600
<v Speaker 1>you see it with your many money makers, you know,

0:16:34.760 --> 0:16:37.800
<v Speaker 1>I feel like we're in this like dangerous tipping point

0:16:38.440 --> 0:16:42.480
<v Speaker 1>where you know, the economy is you know, I mean

0:16:42.640 --> 0:16:44.720
<v Speaker 1>one of the things I heard on the panel over

0:16:44.760 --> 0:16:46.920
<v Speaker 1>and over. I was on the financial panel with ian

0:16:47.960 --> 0:16:52.040
<v Speaker 1>master investor, a really big real estate investor. His name

0:16:52.040 --> 0:16:55.320
<v Speaker 1>is Cedric Nash Melinda high Tower. I think she is

0:16:55.440 --> 0:16:59.560
<v Speaker 1>the oh I forget, she is the managing director. I

0:16:59.560 --> 0:17:03.200
<v Speaker 1>think of like USB UBS that's a big a of

0:17:03.240 --> 0:17:04.440
<v Speaker 1>their multicultural it's a.

0:17:04.359 --> 0:17:06.520
<v Speaker 3>Big BBS the bank, the investment bank.

0:17:06.640 --> 0:17:10.320
<v Speaker 1>Yeah yeah, and then MAC and so. One of the

0:17:10.320 --> 0:17:12.440
<v Speaker 1>things that came up is that like, you know, whether

0:17:12.440 --> 0:17:15.679
<v Speaker 1>they call it or not, you know that we are

0:17:15.760 --> 0:17:18.719
<v Speaker 1>headed towards some rush rough financial times.

0:17:18.720 --> 0:17:19.760
<v Speaker 2>But I mean you can see it.

0:17:20.000 --> 0:17:24.600
<v Speaker 1>I saw someone posts they they use an app to

0:17:24.720 --> 0:17:27.400
<v Speaker 1>order groceries, and they said, let me show you how

0:17:27.440 --> 0:17:30.120
<v Speaker 1>much my groceries cost in twenty twenty versus twenty twenty three,

0:17:30.440 --> 0:17:32.919
<v Speaker 1>And it was like this water I normally get, you know,

0:17:33.000 --> 0:17:36.440
<v Speaker 1>the same quantity was, you know, four dollars now it's

0:17:36.480 --> 0:17:37.480
<v Speaker 1>six seventy five.

0:17:38.160 --> 0:17:42.520
<v Speaker 2>Things were some things you know up one hundred. And

0:17:42.560 --> 0:17:43.960
<v Speaker 2>it's like, how.

0:17:45.560 --> 0:17:49.199
<v Speaker 1>Like I don't I think people don't I've you know,

0:17:49.280 --> 0:17:51.879
<v Speaker 1>my parents are from a country when where there is

0:17:51.880 --> 0:17:55.800
<v Speaker 1>no middle class and it's just uber wealthy and the

0:17:55.880 --> 0:17:58.560
<v Speaker 1>vast majority of people don't have and it makes for

0:17:58.720 --> 0:18:01.960
<v Speaker 1>very dangerous living. Because I did not feel safe walking

0:18:02.000 --> 0:18:05.119
<v Speaker 1>down downtown two o'clock in the afternoon Atlanta.

0:18:05.920 --> 0:18:07.919
<v Speaker 2>I mean, the like.

0:18:08.280 --> 0:18:10.280
<v Speaker 1>People were just approaching me in ways that were really

0:18:10.280 --> 0:18:13.600
<v Speaker 1>aggressive and scary, and I, like, I said, I live

0:18:13.640 --> 0:18:15.560
<v Speaker 1>in Newark, where I'm just like, okay, you know, I've

0:18:15.560 --> 0:18:17.040
<v Speaker 1>never felt unsafe walking downtown Newark.

0:18:17.040 --> 0:18:18.480
<v Speaker 2>I'm just like, you know, you keep your eyes about you,

0:18:18.480 --> 0:18:19.120
<v Speaker 2>You're like okay.

0:18:19.240 --> 0:18:22.760
<v Speaker 1>But no, it was a different level of aggression that

0:18:22.920 --> 0:18:28.560
<v Speaker 1>I had not experienced. So I just am there is

0:18:28.640 --> 0:18:31.159
<v Speaker 1>something happening, and there's a shift coming that's not a

0:18:31.200 --> 0:18:31.680
<v Speaker 1>good one.

0:18:31.720 --> 0:18:33.560
<v Speaker 2>And I can feel like I can feel in.

0:18:33.520 --> 0:18:35.479
<v Speaker 1>The people that I serve because the advice I used

0:18:35.520 --> 0:18:37.840
<v Speaker 1>to give before was like management, It's like, okay, and

0:18:38.520 --> 0:18:41.120
<v Speaker 1>make a little more here, budget tighter here. And now

0:18:41.160 --> 0:18:44.560
<v Speaker 1>it's like that doesn't work unless I don't eat, don't this,

0:18:44.680 --> 0:18:45.200
<v Speaker 1>don't like it.

0:18:46.280 --> 0:18:48.480
<v Speaker 2>Yeah, it's just really worrying, and I'm not really sure

0:18:48.480 --> 0:18:49.159
<v Speaker 2>what to do about it.

0:18:49.200 --> 0:18:53.240
<v Speaker 3>I just yeah, you say you mentioned a tipping point

0:18:53.359 --> 0:18:56.560
<v Speaker 3>and I also makes me think of what's happening in

0:18:56.560 --> 0:18:58.879
<v Speaker 3>New York very much on our doorstep is the migrant

0:18:58.960 --> 0:19:03.719
<v Speaker 3>crisis and the fact that the governor of Texas and

0:19:03.840 --> 0:19:08.360
<v Speaker 3>legislators there bust migrants from the border to you know,

0:19:08.480 --> 0:19:14.159
<v Speaker 3>these coastal cities like New York, DC, and New York has,

0:19:14.400 --> 0:19:16.600
<v Speaker 3>like you the picture you were painting of Atlanta is

0:19:16.600 --> 0:19:20.040
<v Speaker 3>what downtown you know, Manhattan has been looking like because

0:19:20.160 --> 0:19:22.880
<v Speaker 3>all these migrants are here and they don't have anywhere

0:19:22.920 --> 0:19:25.639
<v Speaker 3>to go. They're overrun with housing. And New York actually

0:19:25.640 --> 0:19:28.600
<v Speaker 3>has this law that a lot of people didn't realize

0:19:28.720 --> 0:19:30.720
<v Speaker 3>or didn't know about so much until now that if

0:19:30.760 --> 0:19:32.760
<v Speaker 3>you come to New York, you're guaranteed a roof over

0:19:32.800 --> 0:19:35.240
<v Speaker 3>your head. I figure what the law is called. So

0:19:35.359 --> 0:19:39.080
<v Speaker 3>a lot of you know people, these migrants, when they

0:19:39.080 --> 0:19:41.639
<v Speaker 3>get here, you know, they're just like shepherded here and

0:19:41.720 --> 0:19:43.720
<v Speaker 3>uses the political football. But then they're like, oh, new

0:19:43.800 --> 0:19:46.119
<v Speaker 3>York has this guaranteed housing thing, let's tell everyone. And

0:19:46.160 --> 0:19:48.560
<v Speaker 3>so New York's kind of becoming like more of a

0:19:48.600 --> 0:19:52.440
<v Speaker 3>destination because of this policy, which is you know, proliferating

0:19:52.480 --> 0:19:56.320
<v Speaker 3>that problem we already couldn't handle. The unhoused before these

0:19:56.359 --> 0:20:00.359
<v Speaker 3>migrants came, however, and it is it's become very artists

0:20:00.359 --> 0:20:03.160
<v Speaker 3>and Republicans sent them here to make a point that,

0:20:04.080 --> 0:20:08.399
<v Speaker 3>you know, your lack of immigration policy reform, I know

0:20:08.440 --> 0:20:10.600
<v Speaker 3>that it's everyone's, but yeah, of course pointing the thing

0:20:10.640 --> 0:20:14.960
<v Speaker 3>are at Democrats like what if it's on your doorstep?

0:20:15.359 --> 0:20:17.320
<v Speaker 3>Would you be as lacks of daisical as you have

0:20:17.440 --> 0:20:19.800
<v Speaker 3>been about this kind of issue? And you know what

0:20:19.840 --> 0:20:22.280
<v Speaker 3>the reality is? They kind of have a point. Yeah,

0:20:22.720 --> 0:20:25.160
<v Speaker 3>sometimes you need it to be on your own goddamn doorsteps,

0:20:25.240 --> 0:20:28.760
<v Speaker 3>in your face, hurting your and you know, your nostrils

0:20:28.840 --> 0:20:33.879
<v Speaker 3>being in you know, assaulted by the stench, your life

0:20:33.880 --> 0:20:36.639
<v Speaker 3>at risk. And then you can just expand the same argument,

0:20:36.720 --> 0:20:40.000
<v Speaker 3>the same thing out to so many other issues, gun violence,

0:20:40.720 --> 0:20:44.000
<v Speaker 3>you know, until it's your child, I didn't care about kids,

0:20:44.000 --> 0:20:47.000
<v Speaker 3>and I'll admit it until I had my own, which

0:20:47.040 --> 0:20:49.560
<v Speaker 3>is a damn shame. There's like a lack of empathy,

0:20:49.640 --> 0:20:53.200
<v Speaker 3>a lack of caring for people that are out of sight,

0:20:53.240 --> 0:20:56.400
<v Speaker 3>out of mind, And I don't know what the solution

0:20:56.520 --> 0:21:01.200
<v Speaker 3>for that is other than you know, the pandemic took

0:21:01.240 --> 0:21:03.399
<v Speaker 3>away the distractions that so many of us had to

0:21:03.400 --> 0:21:06.360
<v Speaker 3>stop from looking at these issues. And when things got

0:21:06.400 --> 0:21:06.800
<v Speaker 3>back to.

0:21:07.280 --> 0:21:09.040
<v Speaker 2>Normal, they're worse than before.

0:21:09.200 --> 0:21:11.960
<v Speaker 3>We went right back to our old habits, our old

0:21:11.960 --> 0:21:13.720
<v Speaker 3>ways anything, and they're worse than ever.

0:21:14.280 --> 0:21:16.639
<v Speaker 1>And I think to myself of like, because I was

0:21:16.640 --> 0:21:18.920
<v Speaker 1>talking to a couple, like some of my young mentees,

0:21:19.480 --> 0:21:22.680
<v Speaker 1>and you know, they felt immune because you know, they

0:21:22.680 --> 0:21:26.639
<v Speaker 1>were gigging it to success, you know, they social media

0:21:26.800 --> 0:21:29.320
<v Speaker 1>TikTok it. Well, I'm making money, making money, so much

0:21:29.320 --> 0:21:33.200
<v Speaker 1>of that is dried up, honestly. And now they're like, wait,

0:21:33.720 --> 0:21:36.080
<v Speaker 1>you mean to tell me that YouTube is not going

0:21:36.119 --> 0:21:39.199
<v Speaker 1>to save me? So what do I do now? And

0:21:39.280 --> 0:21:41.840
<v Speaker 1>so that's what's coming up, and they're like, I think

0:21:41.880 --> 0:21:43.560
<v Speaker 1>I have to get a job. This is what I

0:21:43.560 --> 0:21:45.640
<v Speaker 1>part from a few of my you know, young mentees.

0:21:46.200 --> 0:21:48.600
<v Speaker 1>But I'm not even sure what does that look like.

0:21:48.640 --> 0:21:51.440
<v Speaker 1>I haven't had one, and I'm like, oh my god,

0:21:52.080 --> 0:21:52.760
<v Speaker 1>I'm gonna lie.

0:21:52.760 --> 0:21:53.760
<v Speaker 2>I feel like chicken little.

0:21:53.840 --> 0:21:58.919
<v Speaker 3>This guy is probably this guy? Oh god, I know

0:21:59.640 --> 0:22:02.359
<v Speaker 3>that means be worried for Generation Z and the what

0:22:02.480 --> 0:22:05.199
<v Speaker 3>is it after them? I don't know, but thinking that

0:22:05.960 --> 0:22:11.040
<v Speaker 3>influencer is any different than a I mean or or

0:22:11.119 --> 0:22:15.080
<v Speaker 3>you know, influencer, an entrepreneur. I suppose you could call

0:22:15.200 --> 0:22:19.800
<v Speaker 3>influencing entrepreneurial. Sure, but unless you got a business case,

0:22:19.840 --> 0:22:22.280
<v Speaker 3>a business structure, a business plan, you treat it like

0:22:22.280 --> 0:22:28.360
<v Speaker 3>a business. That'd be like McDonald's, you know, only ever

0:22:28.440 --> 0:22:32.360
<v Speaker 3>serving French fries, like we're a French fry restaurant, Come

0:22:32.400 --> 0:22:36.639
<v Speaker 3>get your fringe fries, and ignoring the other ways. The

0:22:36.760 --> 0:22:40.320
<v Speaker 3>other you know, things products and services that people need

0:22:41.680 --> 0:22:45.200
<v Speaker 3>to diversify their their own revenue streams. And I've always

0:22:45.240 --> 0:22:48.040
<v Speaker 3>I've had I've taken that approach as an influencer myself.

0:22:48.520 --> 0:22:51.080
<v Speaker 3>I don't think of myself as an influencer first at all.

0:22:52.320 --> 0:22:55.040
<v Speaker 3>That money if I get it, and if you know,

0:22:55.119 --> 0:22:58.560
<v Speaker 3>I don't do I have like two brand partners this year,

0:22:59.280 --> 0:23:02.080
<v Speaker 3>and even then you probably don't know because I don't

0:23:02.080 --> 0:23:04.280
<v Speaker 3>post that. I don't have relationships where it's like post

0:23:04.280 --> 0:23:08.080
<v Speaker 3>are real every day and you know. But anyway, when

0:23:08.119 --> 0:23:10.000
<v Speaker 3>I take them and it is, you know, it can

0:23:10.040 --> 0:23:13.480
<v Speaker 3>be great. But I'm not expecting to have that money

0:23:13.520 --> 0:23:15.960
<v Speaker 3>replicated because first of all, I worked in marketing. I

0:23:16.000 --> 0:23:18.040
<v Speaker 3>know what happens to those budgets when the economy is bad.

0:23:18.720 --> 0:23:21.520
<v Speaker 1>The first one for real, It's true, Yeah, No, it's

0:23:21.560 --> 0:23:25.440
<v Speaker 1>absolutely true, because I mean they have to like, you know, marketing.

0:23:25.440 --> 0:23:26.800
<v Speaker 1>I feel like it's like the first thing to cut.

0:23:26.880 --> 0:23:29.040
<v Speaker 1>I mean, like you said, like you know we we

0:23:30.320 --> 0:23:32.239
<v Speaker 1>affiliate stuff is stuff that we kind of were doing

0:23:32.320 --> 0:23:34.800
<v Speaker 1>on the side. And literally I was like, oh oh,

0:23:35.359 --> 0:23:38.439
<v Speaker 1>because we all got these messages in September saying or

0:23:38.440 --> 0:23:41.280
<v Speaker 1>it was August saying tap tap tap tap, so so

0:23:41.440 --> 0:23:42.520
<v Speaker 1>great that you share our links.

0:23:42.520 --> 0:23:44.760
<v Speaker 2>You could continue to do so, but we don't have

0:23:44.840 --> 0:23:45.600
<v Speaker 2>any Monday.

0:23:45.720 --> 0:23:48.960
<v Speaker 1>I was like, literally within one week, like four or

0:23:49.040 --> 0:23:50.960
<v Speaker 1>five of the people that we have these relationships with

0:23:51.119 --> 0:23:53.040
<v Speaker 1>said and I was like, you know, I told.

0:23:52.880 --> 0:23:55.400
<v Speaker 3>You the affiliate link. Yeah, that's that's how I knew you.

0:23:55.840 --> 0:23:58.200
<v Speaker 3>For every customer we gave you twenty five cents or whatever.

0:23:58.520 --> 0:24:00.520
<v Speaker 1>So I was like, okay, you know we always I

0:24:00.600 --> 0:24:02.720
<v Speaker 1>kind of knew that already, so we always planned for like, okay,

0:24:02.720 --> 0:24:04.080
<v Speaker 1>that's a smaller part of the business.

0:24:04.160 --> 0:24:05.160
<v Speaker 2>But I wasn't shocked.

0:24:06.240 --> 0:24:08.199
<v Speaker 1>And so what one thing we did learn is that like,

0:24:08.720 --> 0:24:10.879
<v Speaker 1>because some places we drive a good amount of traffic,

0:24:11.160 --> 0:24:13.720
<v Speaker 1>so we would reach out and say like, hey, that's fine,

0:24:13.800 --> 0:24:15.560
<v Speaker 1>but we have this like like I was doing the

0:24:15.600 --> 0:24:18.880
<v Speaker 1>Literature Challenge six months later, like because we're now we're

0:24:18.880 --> 0:24:20.480
<v Speaker 1>doing it twice a year, and I said, we're doing

0:24:20.480 --> 0:24:22.480
<v Speaker 1>the challenge, but thanks for letting us, so we'll just

0:24:22.520 --> 0:24:23.080
<v Speaker 1>take you out.

0:24:23.320 --> 0:24:24.840
<v Speaker 2>They were like wait wait wait wait wait wait wait

0:24:24.840 --> 0:24:25.639
<v Speaker 2>wait wait.

0:24:25.640 --> 0:24:28.159
<v Speaker 1>Because sometimes they won't have It's not that the marketing

0:24:28.160 --> 0:24:32.360
<v Speaker 1>budget is cut completely, it's just they're using it more wisely.

0:24:32.720 --> 0:24:34.359
<v Speaker 1>And so they were like, Tiffany, you'r you know, so

0:24:34.400 --> 0:24:36.040
<v Speaker 1>there's some of them. We were like, oh, okay, let's

0:24:36.040 --> 0:24:38.159
<v Speaker 1>continue the relationship and just monitor.

0:24:37.880 --> 0:24:41.439
<v Speaker 3>All right, va fam, stay tuned for more from Brown Ambition.

0:24:45.160 --> 0:24:47.199
<v Speaker 3>And we are back with more from Brown Ambition.

0:24:48.119 --> 0:24:48.359
<v Speaker 2>Yeah.

0:24:48.359 --> 0:24:50.680
<v Speaker 1>One of the things I peeped very early on when

0:24:50.680 --> 0:24:55.080
<v Speaker 1>I started the Budgetista was I remember, just because nobody

0:24:55.119 --> 0:24:57.040
<v Speaker 1>wanted to rock with me as a black woman the

0:24:57.040 --> 0:24:59.840
<v Speaker 1>financial space serving black women, and they made a baby clear.

0:25:00.040 --> 0:25:03.919
<v Speaker 1>That's why I said, I have to create my own

0:25:04.720 --> 0:25:09.560
<v Speaker 1>like almost like like create my own farm on my

0:25:09.600 --> 0:25:12.600
<v Speaker 1>own homestead, because I don't, you know, I might not

0:25:12.640 --> 0:25:14.359
<v Speaker 1>be able to go to the supermarket which is partnering

0:25:14.359 --> 0:25:16.199
<v Speaker 1>with stores because everybody else, all my other friends were

0:25:16.240 --> 0:25:16.800
<v Speaker 1>able to do so.

0:25:17.040 --> 0:25:18.840
<v Speaker 2>And so I'm so glad. I did you know, I

0:25:18.880 --> 0:25:19.720
<v Speaker 2>build my own things.

0:25:19.720 --> 0:25:21.760
<v Speaker 1>On the budgetist side, I built the literature Academy, we

0:25:21.800 --> 0:25:24.520
<v Speaker 1>had this podcast, so we were building our own things.

0:25:24.760 --> 0:25:27.280
<v Speaker 1>And so when those things go up and down, certainly

0:25:27.520 --> 0:25:29.760
<v Speaker 1>I'm not happy about it, but it's not like that's

0:25:29.800 --> 0:25:32.520
<v Speaker 1>the whole business, which is like who they good for that?

0:25:32.560 --> 0:25:35.919
<v Speaker 1>You know? But yeah, so when I see influencers, you know,

0:25:36.040 --> 0:25:39.800
<v Speaker 1>send tens of thousands of people to this company, I'm like,

0:25:40.200 --> 0:25:43.199
<v Speaker 1>you could also be influencing to your own product and service.

0:25:43.560 --> 0:25:46.679
<v Speaker 1>Spend that time to create something for yourself so that

0:25:46.760 --> 0:25:49.600
<v Speaker 1>way when they say no, you still have something.

0:25:51.960 --> 0:25:52.200
<v Speaker 2>Yeah.

0:25:52.240 --> 0:25:55.520
<v Speaker 3>Absolutely, I'm just checking our bank account balance for BA

0:25:55.520 --> 0:25:55.840
<v Speaker 3>and like.

0:25:55.840 --> 0:25:59.600
<v Speaker 1>Oh right, whatever, it's not for man, It's like, so

0:26:00.000 --> 0:26:01.439
<v Speaker 1>go ahead and go ahead and take put.

0:26:01.280 --> 0:26:01.800
<v Speaker 2>A little something.

0:26:01.840 --> 0:26:05.120
<v Speaker 3>I'm know how I became the CFO of people looking.

0:26:08.000 --> 0:26:10.399
<v Speaker 1>Because you know, I'm renovating now, but kind of I'm like, oh,

0:26:10.440 --> 0:26:12.200
<v Speaker 1>I guess I will get that style air.

0:26:13.480 --> 0:26:17.040
<v Speaker 3>Yeah. Yeah. The and and the reason I checked is

0:26:17.040 --> 0:26:21.399
<v Speaker 3>because your point about you know, they will spend you

0:26:21.440 --> 0:26:23.760
<v Speaker 3>know where they're where they They're just more judicious about

0:26:23.760 --> 0:26:27.280
<v Speaker 3>spending their marketing dollars. And that's where I'm just and

0:26:27.359 --> 0:26:29.560
<v Speaker 3>then the light of like, like you said, this economy

0:26:29.560 --> 0:26:31.720
<v Speaker 3>and the tightening in the economy, a lot of marketing

0:26:31.760 --> 0:26:34.320
<v Speaker 3>dollars being gone, and yet Brown ambition our biggest year

0:26:34.800 --> 0:26:41.800
<v Speaker 3>for revenue. Quality care about money until like you're sick.

0:26:42.200 --> 0:26:42.760
<v Speaker 2>Quality.

0:26:42.920 --> 0:26:46.240
<v Speaker 3>Yeah, that's the key quality audience engaged on.

0:26:47.640 --> 0:26:47.960
<v Speaker 2>And so.

0:26:49.400 --> 0:26:51.840
<v Speaker 1>I mean, but for real, though it's true that like that,

0:26:52.040 --> 0:26:55.639
<v Speaker 1>it's not everybody doesn't get cut. I mean certainly, you know,

0:26:55.760 --> 0:26:59.000
<v Speaker 1>but like everyone doesn't get cut because if you blue quality.

0:26:58.640 --> 0:27:00.399
<v Speaker 2>If you you know, if.

0:27:00.280 --> 0:27:04.520
<v Speaker 1>You you know, because yes, people just someone's always going

0:27:04.560 --> 0:27:06.520
<v Speaker 1>to need to market or whatever it is they're doing.

0:27:06.880 --> 0:27:09.880
<v Speaker 1>And if there's a thousand people, you know, they might

0:27:09.960 --> 0:27:12.480
<v Speaker 1>keep the top five. And so if you bring excellence

0:27:12.520 --> 0:27:14.200
<v Speaker 1>to the table. I always tell this to my mentees,

0:27:14.440 --> 0:27:17.280
<v Speaker 1>if you bring excellence to the table, a space at

0:27:17.280 --> 0:27:19.080
<v Speaker 1>the table will always be made for you, you know.

0:27:19.280 --> 0:27:21.000
<v Speaker 1>Or better yet, you might have your own table where

0:27:21.000 --> 0:27:22.760
<v Speaker 1>you're like, well we eat good over her either way,

0:27:23.680 --> 0:27:25.960
<v Speaker 1>yeah you know, so yeah, no, I just yeah, I

0:27:25.960 --> 0:27:27.960
<v Speaker 1>love that first because I'm saying thinking to myself, you know,

0:27:28.000 --> 0:27:30.320
<v Speaker 1>when I started my mentor Tiffany dot com, like my

0:27:30.320 --> 0:27:32.199
<v Speaker 1>mentor first of all my mentees came out and I'm

0:27:32.240 --> 0:27:34.720
<v Speaker 1>having dinner with them tonight in Atlanta.

0:27:34.840 --> 0:27:36.679
<v Speaker 2>Oh you know, we know I'm gonna do that at

0:27:36.680 --> 0:27:37.160
<v Speaker 2>the Brown Booth.

0:27:37.320 --> 0:27:40.320
<v Speaker 3>We must, yes, but uh, Atlanta must go hard for

0:27:40.320 --> 0:27:40.800
<v Speaker 3>the bunch.

0:27:40.640 --> 0:27:42.600
<v Speaker 2>Of Yeah, tickets soldale.

0:27:42.720 --> 0:27:45.679
<v Speaker 1>But but but one of the things that like I

0:27:45.800 --> 0:27:49.000
<v Speaker 1>have just learned, like I said, is that like what

0:27:49.080 --> 0:27:52.359
<v Speaker 1>can you create, like you know, and how can you

0:27:52.400 --> 0:27:56.080
<v Speaker 1>bring excellence to the table That typically is takes a

0:27:56.440 --> 0:28:00.920
<v Speaker 1>like consistent investment of your time and energy. Like That's

0:28:00.960 --> 0:28:03.119
<v Speaker 1>why I love like seeing how you created money, Mandy

0:28:03.119 --> 0:28:07.080
<v Speaker 1>money makers, because you learn firsthand being on the other side, like, oh,

0:28:07.320 --> 0:28:09.360
<v Speaker 1>someone could just decide nope, we don't want y'all.

0:28:09.359 --> 0:28:10.760
<v Speaker 2>You're like wait, wa wait, whoa wa what what?

0:28:11.240 --> 0:28:14.679
<v Speaker 1>But when it's your thing, like it really is like

0:28:14.760 --> 0:28:16.400
<v Speaker 1>as long as I'm willing to show up and put

0:28:16.440 --> 0:28:18.800
<v Speaker 1>in the work, although it might be really hard work

0:28:18.800 --> 0:28:21.520
<v Speaker 1>and sometimes it's overwhelming and sometimes it just seems like

0:28:21.600 --> 0:28:25.640
<v Speaker 1>so much, at least it's in your hands, you know.

0:28:25.800 --> 0:28:30.879
<v Speaker 3>Yeah exactly, yeah I can. Yeah, No, one thousand percent.

0:28:31.000 --> 0:28:34.600
<v Speaker 3>I didn't. I was very uncomfortable with want, with like

0:28:34.680 --> 0:28:36.720
<v Speaker 3>the waiting for a check, because even if you do

0:28:36.800 --> 0:28:39.240
<v Speaker 3>have these relationships, like you ain't going to see that

0:28:39.240 --> 0:28:43.920
<v Speaker 3>money right away. It's very shout out to my shout

0:28:43.960 --> 0:28:46.600
<v Speaker 3>out to my admin louda, because if I do not

0:28:46.680 --> 0:28:48.760
<v Speaker 3>respond to her invoice within an hour, I get the

0:28:48.760 --> 0:28:50.680
<v Speaker 3>ping ons like hey, it's the men in the invoice. Hey.

0:28:51.000 --> 0:28:54.040
<v Speaker 3>I'm like, well, I'm gonna get to it today, I

0:28:54.080 --> 0:28:56.960
<v Speaker 3>promise you. And also it takes my shit like sixty

0:28:57.040 --> 0:29:00.000
<v Speaker 3>days to come through. I'm like telling these brands.

0:28:59.680 --> 0:29:02.080
<v Speaker 2>Like, hey, where's my money?

0:29:02.360 --> 0:29:05.240
<v Speaker 3>Anyway, I really hated that feeling, and because of that,

0:29:05.280 --> 0:29:08.120
<v Speaker 3>I do pay very, very swiftly yes, okay loud to

0:29:08.600 --> 0:29:09.320
<v Speaker 3>okay amber On.

0:29:09.360 --> 0:29:12.520
<v Speaker 1>So as a small business owner, when I navigate where

0:29:12.520 --> 0:29:15.280
<v Speaker 1>contractors are small businesses, I don't play about they money

0:29:15.400 --> 0:29:18.200
<v Speaker 1>because I know one week, two weeks, like what that

0:29:18.240 --> 0:29:18.760
<v Speaker 1>can do to a.

0:29:18.800 --> 0:29:22.000
<v Speaker 2>Business, and so like I do not Yeah, I do

0:29:22.040 --> 0:29:22.520
<v Speaker 2>not play it.

0:29:22.560 --> 0:29:24.800
<v Speaker 1>And even like I know you hear Mandy and I,

0:29:24.800 --> 0:29:26.720
<v Speaker 1>I mean, if you haven't listened from the very beginning,

0:29:27.000 --> 0:29:29.680
<v Speaker 1>you wouldn't know our humble beginnings of like how you

0:29:29.720 --> 0:29:34.200
<v Speaker 1>know money was saying for a long time, personally humble beginning.

0:29:34.280 --> 0:29:37.120
<v Speaker 3>I'm in the humble now. I'm trying to hang with you,

0:29:37.160 --> 0:29:38.640
<v Speaker 3>Tiff and your rich auntie lifestyle.

0:29:39.760 --> 0:29:40.880
<v Speaker 2>But even still, let me tell you.

0:29:40.840 --> 0:29:42.600
<v Speaker 3>About the thing is, I've been getting the money while

0:29:42.600 --> 0:29:44.960
<v Speaker 3>I've been having the you know, the children and the family,

0:29:45.000 --> 0:29:48.920
<v Speaker 3>and it's like where I'm breaking my own life. If

0:29:48.920 --> 0:29:50.280
<v Speaker 3>you don't want to, if you want to follow my

0:29:50.320 --> 0:29:53.720
<v Speaker 3>advice to not have lifestyle inflation, don't have kids, learn

0:29:53.720 --> 0:29:56.520
<v Speaker 3>it from me first. You I'm like, when am I

0:29:56.520 --> 0:29:58.480
<v Speaker 3>ever getting my feel like I have money again?

0:30:00.040 --> 0:30:03.040
<v Speaker 1>You will? But I got to say, honly I live

0:30:03.480 --> 0:30:07.160
<v Speaker 1>so far below my means. Like so even when you

0:30:07.200 --> 0:30:08.840
<v Speaker 1>see me pop out like, oh my gosh, you bought

0:30:08.840 --> 0:30:12.120
<v Speaker 1>a condoct know that I live. At one point, especially

0:30:12.160 --> 0:30:13.600
<v Speaker 1>when I was like breaking in the door, I was

0:30:13.680 --> 0:30:15.960
<v Speaker 1>living at ten percent of what I was making, you know,

0:30:16.000 --> 0:30:18.360
<v Speaker 1>and it was still good money. But meaning that, I've

0:30:18.360 --> 0:30:22.479
<v Speaker 1>always been conscious that, you know, if I make a

0:30:22.520 --> 0:30:24.960
<v Speaker 1>tremendous amount of money, say like seven figures in a year,

0:30:25.280 --> 0:30:27.840
<v Speaker 1>I'm not going to live out half half a million.

0:30:28.000 --> 0:30:30.840
<v Speaker 1>I'm not, you know, because one, I think I can

0:30:30.880 --> 0:30:32.960
<v Speaker 1>live a really great life at like you know, we're

0:30:33.200 --> 0:30:35.520
<v Speaker 1>one two manny, and I not that everyone has to

0:30:35.560 --> 0:30:37.400
<v Speaker 1>do this. I'm big on like buying things in full,

0:30:37.920 --> 0:30:39.240
<v Speaker 1>so I don't have to worry about a month to

0:30:39.280 --> 0:30:42.520
<v Speaker 1>month to month because I like to keep my month

0:30:42.560 --> 0:30:46.080
<v Speaker 1>to month in a way that if everything goes wrong,

0:30:46.200 --> 0:30:48.440
<v Speaker 1>I'm still okay. Even when I bought my condo, if

0:30:48.480 --> 0:30:52.000
<v Speaker 1>y'all remember, like my financial advisor, Angelie, was like, well,

0:30:52.080 --> 0:30:54.360
<v Speaker 1>it would be my advice that you get a mortgage,

0:30:54.360 --> 0:30:56.480
<v Speaker 1>and because you're a high networth individual, we can probably

0:30:56.480 --> 0:30:59.160
<v Speaker 1>get you an interest rate especial behind the scenes industry,

0:30:59.200 --> 0:30:59.440
<v Speaker 1>which I.

0:30:59.480 --> 0:31:03.040
<v Speaker 2>Was like, that seems fair, but I'll take it. But like,

0:31:03.400 --> 0:31:05.080
<v Speaker 2>you know that, like you don't have to get a regular.

0:31:04.840 --> 0:31:07.560
<v Speaker 1>Person's interest rate that we can like negotiate with a bank,

0:31:07.800 --> 0:31:09.800
<v Speaker 1>you know, for high network individuals to get you like

0:31:09.840 --> 0:31:12.720
<v Speaker 1>a lower interest rate. And I told her, I said, honestly,

0:31:13.600 --> 0:31:15.920
<v Speaker 1>I would prefer to buy the condo cash. And she said,

0:31:15.960 --> 0:31:17.800
<v Speaker 1>I know you're going to say that. I said, now,

0:31:18.040 --> 0:31:22.040
<v Speaker 1>knowing my financial picture, I know that the best solution

0:31:22.840 --> 0:31:24.960
<v Speaker 1>is to get you know, put a decent amount down

0:31:25.360 --> 0:31:27.640
<v Speaker 1>and to mortgage it and then to put that cash

0:31:27.880 --> 0:31:29.960
<v Speaker 1>to work in the market. I know that that's the

0:31:29.960 --> 0:31:33.840
<v Speaker 1>best solution, But is it a bad choice? Like is

0:31:33.840 --> 0:31:35.680
<v Speaker 1>it like really really bad for my finances if I

0:31:35.720 --> 0:31:38.040
<v Speaker 1>purchase it cash? Because there's two different things, you know,

0:31:38.120 --> 0:31:41.160
<v Speaker 1>And she was like, well, it's not a bad financial choice.

0:31:41.200 --> 0:31:42.440
<v Speaker 2>It's not going to harm you financially.

0:31:42.520 --> 0:31:44.880
<v Speaker 1>Ideally, would have would love to put more money in

0:31:44.880 --> 0:31:47.040
<v Speaker 1>the market for you, but you've already kept like there's

0:31:47.040 --> 0:31:48.680
<v Speaker 1>a certain amount every year that I like to want

0:31:48.680 --> 0:31:50.400
<v Speaker 1>to put up in order to reach my financial goals.

0:31:50.520 --> 0:31:52.680
<v Speaker 1>She's say, you've already done that. This would just be

0:31:52.800 --> 0:31:56.480
<v Speaker 1>access to that, and certainly this access can will likely

0:31:56.520 --> 0:32:00.160
<v Speaker 1>grow faster than sitting in your house. But I know you, Tiffany.

0:32:00.520 --> 0:32:03.200
<v Speaker 1>You like to keep your monthly expenses low. And sure enough,

0:32:03.240 --> 0:32:04.880
<v Speaker 1>I'm so glad I did that in the beginning because

0:32:04.880 --> 0:32:06.880
<v Speaker 1>I bought the house very early on the beginning of

0:32:06.920 --> 0:32:09.640
<v Speaker 1>the year. And I'm so glad because this was our

0:32:09.760 --> 0:32:12.120
<v Speaker 1>one of our toughest budget east to years yet as

0:32:12.160 --> 0:32:14.680
<v Speaker 1>far as like business, and so we didn't do nearly

0:32:14.720 --> 0:32:15.040
<v Speaker 1>as well.

0:32:15.080 --> 0:32:16.520
<v Speaker 2>I didn't make nearly as much.

0:32:16.760 --> 0:32:19.000
<v Speaker 1>But the one thing I wasn't stressed about is my

0:32:19.400 --> 0:32:21.400
<v Speaker 1>monthly My monthly expenses did not.

0:32:21.400 --> 0:32:23.800
<v Speaker 2>Increase, so I wasn't like I.

0:32:23.720 --> 0:32:26.680
<v Speaker 1>Got my new work at They basically stayed the same

0:32:26.880 --> 0:32:28.840
<v Speaker 1>relatively speaking, like a few hundred dollars here and there,

0:32:28.840 --> 0:32:31.120
<v Speaker 1>you know, but basically stayed the same, and for me,

0:32:31.320 --> 0:32:34.240
<v Speaker 1>the peace of mind of knowing that even if something

0:32:34.280 --> 0:32:35.520
<v Speaker 1>I knew we were going to have a rough year

0:32:35.520 --> 0:32:37.800
<v Speaker 1>this year, I could feel it even when that happens,

0:32:38.280 --> 0:32:41.640
<v Speaker 1>I had kind of like already, like the car I

0:32:41.680 --> 0:32:44.080
<v Speaker 1>own is paid off. The home that I live in

0:32:44.080 --> 0:32:45.680
<v Speaker 1>outside of the condo, the home that I live in

0:32:45.720 --> 0:32:49.680
<v Speaker 1>currently paid off. Like my bills are such that I

0:32:49.720 --> 0:32:52.440
<v Speaker 1>can manage on very relative little to.

0:32:52.400 --> 0:32:56.200
<v Speaker 3>What I Meanthany, how do you how do you that's

0:32:56.200 --> 0:32:57.120
<v Speaker 3>so unrelatable?

0:32:57.280 --> 0:33:01.920
<v Speaker 1>I'm what I'm saying is like the pullback, so he

0:33:01.960 --> 0:33:02.720
<v Speaker 1>has a related bility.

0:33:02.800 --> 0:33:05.640
<v Speaker 3>How do you know? I'm curous cause like for me,

0:33:05.760 --> 0:33:08.800
<v Speaker 3>that's unrelatable at this point. I and I'll admit it.

0:33:09.120 --> 0:33:12.480
<v Speaker 3>I went to Tiffany, you love me no matter what.

0:33:12.560 --> 0:33:14.800
<v Speaker 2>Right, Okay, yes, I said, you had to Tiffy's. I'm like,

0:33:14.840 --> 0:33:15.640
<v Speaker 2>what are my Tiffany's.

0:33:17.560 --> 0:33:20.520
<v Speaker 3>My husband wishes no. We literally, when I tell you,

0:33:20.880 --> 0:33:23.480
<v Speaker 3>I don't know what he has like disassociated from reality

0:33:23.600 --> 0:33:25.360
<v Speaker 3>so hard. When we went to the mall this weekend

0:33:25.440 --> 0:33:28.440
<v Speaker 3>just for something to do, or last week now, he

0:33:28.480 --> 0:33:30.760
<v Speaker 3>was like, let's go into the role X store. I

0:33:30.840 --> 0:33:32.800
<v Speaker 3>was like and I was like, yeah, let's take our

0:33:32.840 --> 0:33:35.080
<v Speaker 3>two kids and go in and pretend like we can

0:33:35.160 --> 0:33:38.680
<v Speaker 3>afford any of these college tuition, you know, time pieces.

0:33:39.120 --> 0:33:41.560
<v Speaker 3>And Rio was running around and I was just like, yeah,

0:33:41.560 --> 0:33:43.240
<v Speaker 3>you want to try one on? Hey, sir, can we

0:33:43.280 --> 0:33:46.440
<v Speaker 3>try on your most expensive role x? I can't wait?

0:33:46.520 --> 0:33:48.360
<v Speaker 3>Can my three year olds? Do you have it? In

0:33:48.400 --> 0:33:51.440
<v Speaker 3>his sof And Rique's like, never mind, get out, he

0:33:51.560 --> 0:33:57.600
<v Speaker 3>was so anyway, But we went to pottery Barn or

0:33:57.640 --> 0:33:59.680
<v Speaker 3>one of these I forget caught craiiton burro. I want,

0:34:00.000 --> 0:34:01.480
<v Speaker 3>I want new betting. I want my bed to look

0:34:01.520 --> 0:34:04.160
<v Speaker 3>like a picture. My bed looks ratchet, okay, even when

0:34:04.200 --> 0:34:07.520
<v Speaker 3>the cleaning ladies fix it, it looks ratchet because Molly

0:34:07.600 --> 0:34:09.719
<v Speaker 3>has showed through things. It doesn't look pretty like it

0:34:09.800 --> 0:34:12.440
<v Speaker 3>used to anyway. And I wanted like and I was like,

0:34:12.520 --> 0:34:14.400
<v Speaker 3>I want that picture. And I chose the betting. I

0:34:14.440 --> 0:34:17.120
<v Speaker 3>got everything da da da da da, and I put

0:34:17.160 --> 0:34:20.360
<v Speaker 3>it on after pay okay, in three but I chose

0:34:20.360 --> 0:34:22.680
<v Speaker 3>the three payment option, okay, so I would have zero

0:34:22.800 --> 0:34:24.960
<v Speaker 3>interest because now after pay' is like, oh you want

0:34:25.000 --> 0:34:27.040
<v Speaker 3>six to twelve month options, Well, we're going to charge

0:34:27.080 --> 0:34:30.120
<v Speaker 3>you like extra fees and you do end up paying

0:34:30.160 --> 0:34:31.919
<v Speaker 3>more than it costs. But one thing I hate doing

0:34:32.000 --> 0:34:34.000
<v Speaker 3>is paying more than something costs just to have more

0:34:34.040 --> 0:34:36.840
<v Speaker 3>time to do it. So anyway, but that's my no,

0:34:36.920 --> 0:34:39.560
<v Speaker 3>I don't me that's my confession.

0:34:39.960 --> 0:34:44.080
<v Speaker 1>I learned early on that, like, whatever it took, I

0:34:44.120 --> 0:34:45.960
<v Speaker 1>had to figure out a way I wasn't always able to.

0:34:46.000 --> 0:34:47.560
<v Speaker 1>I had to figure out a way to live under

0:34:47.560 --> 0:34:49.200
<v Speaker 1>my means. That's how I got here.

0:34:49.880 --> 0:34:52.279
<v Speaker 2>So like he was like, literally, I was living in

0:34:52.280 --> 0:34:52.560
<v Speaker 2>a room.

0:34:52.640 --> 0:34:54.480
<v Speaker 1>I was thirty something years old, and I was like,

0:34:54.560 --> 0:34:57.799
<v Speaker 1>living under my means meant renting a room. A bunch

0:34:57.800 --> 0:34:59.640
<v Speaker 1>of my friends also have branded rooms in that same

0:34:59.680 --> 0:35:01.759
<v Speaker 1>and I would between the ages I want to say,

0:35:01.800 --> 0:35:04.440
<v Speaker 1>twenty nine to thirty three.

0:35:04.400 --> 0:35:04.920
<v Speaker 2>I did that.

0:35:05.440 --> 0:35:06.520
<v Speaker 1>I was people like, oh, I can never do that,

0:35:06.520 --> 0:35:08.440
<v Speaker 1>and you might have kids whatever, but I'm just saying that.

0:35:08.760 --> 0:35:11.319
<v Speaker 1>And I remember I drove like the radiest car, which

0:35:11.360 --> 0:35:14.000
<v Speaker 1>I was like, I would likely walk more often. There

0:35:14.000 --> 0:35:16.040
<v Speaker 1>were times when I did speaking engagements when I'm like,

0:35:16.560 --> 0:35:18.960
<v Speaker 1>they wanted to, like, you know, park my car, and

0:35:19.040 --> 0:35:20.520
<v Speaker 1>I was pretty certain it wouldn't.

0:35:20.200 --> 0:35:20.680
<v Speaker 2>Turn back on.

0:35:20.920 --> 0:35:23.399
<v Speaker 3>I remember that car, So I was like that white car.

0:35:23.520 --> 0:35:26.600
<v Speaker 2>Oh, I could hear it. I mean, and there were.

0:35:26.480 --> 0:35:27.759
<v Speaker 1>Times when I'm like, I'm just gonna park down the

0:35:27.760 --> 0:35:31.040
<v Speaker 1>street and walk up. And so I'm not saying people like,

0:35:31.040 --> 0:35:33.160
<v Speaker 1>oh I won't do that, get I get it. But

0:35:33.360 --> 0:35:35.319
<v Speaker 1>for me, it was like I had to figure out

0:35:35.320 --> 0:35:38.160
<v Speaker 1>two things how to make extra income. I baby said,

0:35:38.160 --> 0:35:41.280
<v Speaker 1>I tutored, I started the business, but you know whatever

0:35:41.320 --> 0:35:42.080
<v Speaker 1>that kind of looked like.

0:35:42.160 --> 0:35:43.200
<v Speaker 2>And then I.

0:35:43.200 --> 0:35:46.759
<v Speaker 1>Really had to viciously cut back on my expenses to

0:35:46.880 --> 0:35:50.200
<v Speaker 1>create space to then invest in my life. And so

0:35:50.320 --> 0:35:53.080
<v Speaker 1>to me, the investment was in my business. Yours might

0:35:53.080 --> 0:35:56.320
<v Speaker 1>be investing in the market and might be investing in bonds.

0:35:56.360 --> 0:35:58.400
<v Speaker 2>It might be, but that's really what it is.

0:35:58.520 --> 0:36:01.920
<v Speaker 1>You have to create financial space, and in the beginning

0:36:02.280 --> 0:36:03.520
<v Speaker 1>you might not be able to do that, so you

0:36:03.640 --> 0:36:05.120
<v Speaker 1>just try to create space so you can just pay

0:36:05.120 --> 0:36:06.680
<v Speaker 1>your bills on time. I would say for the first

0:36:06.719 --> 0:36:08.800
<v Speaker 1>three years it was like I just don't want to

0:36:08.800 --> 0:36:09.840
<v Speaker 1>be in the negative, which I was.

0:36:09.880 --> 0:36:11.160
<v Speaker 2>I mean, there's times when I was like I just

0:36:11.160 --> 0:36:12.719
<v Speaker 2>don't have it. There's just my.

0:36:12.719 --> 0:36:15.200
<v Speaker 1>Account just says negative and I will call and cry

0:36:15.239 --> 0:36:16.719
<v Speaker 1>on the phone and be like, oh what can I do?

0:36:17.239 --> 0:36:19.640
<v Speaker 1>Like that was life, you know, for the longest like

0:36:19.719 --> 0:36:21.719
<v Speaker 1>this part of my life is the newest part of

0:36:21.719 --> 0:36:25.439
<v Speaker 1>my life, you know. But I only got here from

0:36:25.440 --> 0:36:28.320
<v Speaker 1>a place and still I still use those same principles,

0:36:28.320 --> 0:36:32.080
<v Speaker 1>which is I still live tremendously under what I make

0:36:32.640 --> 0:36:34.520
<v Speaker 1>and you know, but not from a place of like

0:36:34.520 --> 0:36:35.760
<v Speaker 1>I feel like I'm depriving myself.

0:36:35.840 --> 0:36:36.080
<v Speaker 2>Y'all know.

0:36:36.120 --> 0:36:38.160
<v Speaker 1>I just came back from vacation. But even then, I

0:36:38.239 --> 0:36:40.840
<v Speaker 1>was like, can I use points? You know, what are

0:36:40.880 --> 0:36:42.279
<v Speaker 1>other ways to go about? You know, like I mean,

0:36:42.320 --> 0:36:44.160
<v Speaker 1>Angelie tells me all the time, and I probably do

0:36:44.200 --> 0:36:45.080
<v Speaker 1>I underspend.

0:36:45.440 --> 0:36:47.239
<v Speaker 3>Yeah, So to be honest, and I've been wondering like

0:36:47.239 --> 0:36:48.840
<v Speaker 3>I should just say it because I want to. I

0:36:48.880 --> 0:36:50.759
<v Speaker 3>want to be transparent. And I was just talking to

0:36:50.800 --> 0:36:56.200
<v Speaker 3>my I posted about my six figure book deal because

0:36:56.239 --> 0:37:00.640
<v Speaker 3>it was it is, okay, it's a fact on because

0:37:00.640 --> 0:37:02.480
<v Speaker 3>I wanted to share, just like you have with me,

0:37:02.560 --> 0:37:04.799
<v Speaker 3>been so generous with how it happens. I wanted to.

0:37:04.920 --> 0:37:07.040
<v Speaker 3>I want to spread the message here's how you get

0:37:07.040 --> 0:37:09.279
<v Speaker 3>a nonfiction book done. Here's how I did it. Rather

0:37:09.800 --> 0:37:11.560
<v Speaker 3>so the focus wasn't on the headline I did that.

0:37:11.600 --> 0:37:13.960
<v Speaker 3>I did my journalist thing. I want to grab attention,

0:37:14.360 --> 0:37:17.479
<v Speaker 3>get you to the caption right. But in doing that,

0:37:17.800 --> 0:37:21.240
<v Speaker 3>I my husband, for example, doesn't listen to the podcast

0:37:21.280 --> 0:37:22.839
<v Speaker 3>because you know, he gets enough of me at home.

0:37:23.200 --> 0:37:26.279
<v Speaker 3>And he told me, oh, my coworkers, I think we're

0:37:26.360 --> 0:37:29.279
<v Speaker 3>rich or something because I saw your posts on IG

0:37:29.680 --> 0:37:33.680
<v Speaker 3>and I was like, first of all, no, second of all,

0:37:34.400 --> 0:37:36.759
<v Speaker 3>they don't understand book math and all this stuff, and

0:37:36.800 --> 0:37:39.279
<v Speaker 3>they just read the headline and saw and I never

0:37:39.360 --> 0:37:41.920
<v Speaker 3>want to be putting up ooh. I would hate don't

0:37:42.000 --> 0:37:44.480
<v Speaker 3>tip the minute you see me front and acting like

0:37:44.560 --> 0:37:46.759
<v Speaker 3>I got when I don't, because how much of that

0:37:46.800 --> 0:37:48.759
<v Speaker 3>figure six figures is in my pocket right now? You

0:37:48.800 --> 0:37:51.080
<v Speaker 3>know exactly because it pays out. I got two years

0:37:51.080 --> 0:37:54.520
<v Speaker 3>span zero. I haven't even got the contract size. I haven't,

0:37:54.520 --> 0:37:55.759
<v Speaker 3>you know, I don't get my first check tol then

0:37:56.160 --> 0:37:57.520
<v Speaker 3>and even then he's like the cut there and the

0:37:57.560 --> 0:37:59.600
<v Speaker 3>cut there, and the agency and the taxes and all

0:37:59.600 --> 0:38:03.719
<v Speaker 3>that anyway. But my reality is like I have struggled.

0:38:04.000 --> 0:38:06.680
<v Speaker 3>I haven't struggled to create income as a business owner.

0:38:06.760 --> 0:38:09.120
<v Speaker 3>And I and to anyone who looks at me, and

0:38:09.160 --> 0:38:11.200
<v Speaker 3>I know some Mandi money makers have mentioned that I

0:38:11.239 --> 0:38:14.000
<v Speaker 3>have to remind them, Yes, I started Mandy money Makers

0:38:14.040 --> 0:38:16.400
<v Speaker 3>in twenty twenty one, but I had eight years of

0:38:16.400 --> 0:38:20.680
<v Speaker 3>brand ambition, six years whatever it was before that. I had,

0:38:21.360 --> 0:38:23.839
<v Speaker 3>you know, a brand that I was building. I had

0:38:23.880 --> 0:38:27.359
<v Speaker 3>like a foundation, a platform that you don't have when

0:38:27.360 --> 0:38:29.880
<v Speaker 3>you just like if I had started a bakery, probably

0:38:29.880 --> 0:38:32.080
<v Speaker 3>would have been tougher, yes, you know what I mean,

0:38:32.280 --> 0:38:34.319
<v Speaker 3>but it was very aligned with what I've been doing

0:38:34.320 --> 0:38:36.600
<v Speaker 3>so far. So I had given myself a head start there,

0:38:36.640 --> 0:38:40.480
<v Speaker 3>but anyway, didn't have trouble creating income streams. Haven't gotten

0:38:40.520 --> 0:38:46.480
<v Speaker 3>financially good at maintaining a budget on income that fluctuates.

0:38:46.840 --> 0:38:49.239
<v Speaker 3>And I'll be the first to admit so because of

0:38:49.280 --> 0:38:51.359
<v Speaker 3>these things like you know, ooh, I'll get like a

0:38:51.400 --> 0:38:53.600
<v Speaker 3>great deal, but you're not going to see that money

0:38:53.640 --> 0:38:54.920
<v Speaker 3>for a few months. And I know I'm going to

0:38:54.960 --> 0:38:56.960
<v Speaker 3>get the money and I'm not stressed, but then this

0:38:57.120 --> 0:39:02.360
<v Speaker 3>bill and this tuition payment is due, and it's like, oh, well,

0:39:02.760 --> 0:39:08.240
<v Speaker 3>this isn't comfortable, and it's so that I'm I don't

0:39:08.239 --> 0:39:11.920
<v Speaker 3>have enough. I don't have so much coming in that

0:39:12.000 --> 0:39:15.240
<v Speaker 3>it saves me from those months where I'm like, hmmm,

0:39:15.920 --> 0:39:19.320
<v Speaker 3>we're poor, but like we're not poor, but like we are.

0:39:19.440 --> 0:39:21.520
<v Speaker 1>You know, well, and that's because you don't have a

0:39:21.520 --> 0:39:23.360
<v Speaker 1>big enough pot, so I used to. It took me

0:39:23.400 --> 0:39:26.680
<v Speaker 1>a while, a few years to learn like, oh, that

0:39:26.719 --> 0:39:29.520
<v Speaker 1>person is not paying me. They're paying the pot, and

0:39:29.560 --> 0:39:33.399
<v Speaker 1>the pot pays me. And so it took Now here's

0:39:33.440 --> 0:39:35.200
<v Speaker 1>the thing. The pot can't pay you if you don't

0:39:35.280 --> 0:39:38.160
<v Speaker 1>have anything in it, you know. And so it took

0:39:38.200 --> 0:39:41.080
<v Speaker 1>a while to kind of build up pot reserves and

0:39:41.120 --> 0:39:45.759
<v Speaker 1>to the point now where the pot pays me either way. Yeah,

0:39:45.800 --> 0:39:48.120
<v Speaker 1>that takes you know, And that's okay because it takes

0:39:48.160 --> 0:39:50.520
<v Speaker 1>time so slowly, but surely as money comes in.

0:39:50.600 --> 0:39:52.120
<v Speaker 2>You said a little bit aside.

0:39:52.160 --> 0:39:54.279
<v Speaker 3>I'm the only person on my payroll and I miss

0:39:54.360 --> 0:39:59.440
<v Speaker 3>paid in August. Sorry, can't we give it one hundred?

0:40:00.160 --> 0:40:02.280
<v Speaker 3>Not only did I miss payroll, I didn't even realize

0:40:02.280 --> 0:40:05.399
<v Speaker 3>I missed it. And then I got into whole shenanigans

0:40:05.400 --> 0:40:07.560
<v Speaker 3>with quick books. They're like, we're going to close your account?

0:40:07.920 --> 0:40:10.680
<v Speaker 3>Are your accountsing collections? Because they had paid me, they

0:40:10.719 --> 0:40:12.759
<v Speaker 3>like fronted me the money for my own paycheck. That

0:40:12.800 --> 0:40:14.440
<v Speaker 3>should have been it was that I hadn't move the

0:40:14.440 --> 0:40:16.160
<v Speaker 3>money because I was on the turnity leave and I

0:40:16.200 --> 0:40:19.080
<v Speaker 3>hadn't move money from savings to my you know, checking

0:40:19.120 --> 0:40:22.120
<v Speaker 3>and my business because I didn't have any checking over

0:40:22.120 --> 0:40:23.799
<v Speaker 3>the summer because I didn't make no money. I was

0:40:24.239 --> 0:40:27.080
<v Speaker 3>having a baby and not getting a paycheck. You guys

0:40:27.080 --> 0:40:28.920
<v Speaker 3>want to know what entrepreneurship is? Is that?

0:40:29.239 --> 0:40:29.479
<v Speaker 2>Yeah?

0:40:29.560 --> 0:40:31.799
<v Speaker 3>And so I had it in savings, it wasn't in

0:40:31.800 --> 0:40:33.720
<v Speaker 3>my checking account. Didn't realize that I got the emails

0:40:33.760 --> 0:40:36.000
<v Speaker 3>and I'm just reading the first line like, oh money, okay,

0:40:36.280 --> 0:40:38.759
<v Speaker 3>payroll something da da da da da must be fine,

0:40:38.760 --> 0:40:40.919
<v Speaker 3>And I just got to go ahead, only to find

0:40:40.960 --> 0:40:43.919
<v Speaker 3>out those emails were like collections emails because they want

0:40:43.920 --> 0:40:46.279
<v Speaker 3>their money back because they gave me the money. And

0:40:46.320 --> 0:40:48.800
<v Speaker 3>then what happened to your girl, Tiff. I've never felt

0:40:48.840 --> 0:40:52.920
<v Speaker 3>so ashamed and broke, but like real talk, just to balance,

0:40:53.520 --> 0:40:56.080
<v Speaker 3>just to balance the beautiful And I'm not taking anything

0:40:56.120 --> 0:40:59.640
<v Speaker 3>away from you. You deserve you there, I know. Okay,

0:41:00.080 --> 0:41:01.799
<v Speaker 3>So let me tell the story without you thinking it's

0:41:01.800 --> 0:41:03.960
<v Speaker 3>because I'm trying to like make you feel some type

0:41:03.960 --> 0:41:06.200
<v Speaker 3>of away. You know that you're good, okay, and we

0:41:06.280 --> 0:41:09.880
<v Speaker 3>all love it. But I have two online only banks

0:41:09.920 --> 0:41:13.520
<v Speaker 3>for my personal and for my business bank account online only.

0:41:13.560 --> 0:41:15.120
<v Speaker 3>I love it. Why go to a bank who needs them?

0:41:15.120 --> 0:41:16.960
<v Speaker 3>I don't even carry wallet anymore. I got Apple Pay.

0:41:16.960 --> 0:41:19.239
<v Speaker 3>I'm all you know in the in the metaverse and

0:41:19.280 --> 0:41:22.320
<v Speaker 3>all that kind of stuff. So quick Books want their money.

0:41:22.440 --> 0:41:25.680
<v Speaker 3>They decide they only want me to wire it, only

0:41:25.719 --> 0:41:29.000
<v Speaker 3>a bank wire, but I can't. But they won't accept

0:41:29.000 --> 0:41:30.720
<v Speaker 3>a bank wire from an online only bank.

0:41:31.000 --> 0:41:31.600
<v Speaker 2>Are you kidding?

0:41:31.920 --> 0:41:35.919
<v Speaker 3>So no, So a long story short. Somehow I get

0:41:35.920 --> 0:41:39.359
<v Speaker 3>the wrong, bad, bad intel from quick Books. I end

0:41:39.480 --> 0:41:43.200
<v Speaker 3>up in my infinite wisdom thinking somehow that if I

0:41:43.239 --> 0:41:46.040
<v Speaker 3>get the cash out of my business account, I can

0:41:46.080 --> 0:41:48.400
<v Speaker 3>go to any bank and get a wire transfer. It's stupid.

0:41:48.440 --> 0:41:51.640
<v Speaker 3>Don't listen. Don't listen to why. The person was very

0:41:51.680 --> 0:41:55.480
<v Speaker 3>persuasive and wrong. So I'm but then there's a limit

0:41:55.520 --> 0:41:56.920
<v Speaker 3>on how much cash you can take out of an

0:41:56.960 --> 0:41:59.240
<v Speaker 3>ATM for your online only bank. And turns out mine

0:41:59.360 --> 0:42:03.799
<v Speaker 3>was wait, like five, no, two thousand a day, and

0:42:03.800 --> 0:42:06.960
<v Speaker 3>I need like four thousand or something like that. And

0:42:07.440 --> 0:42:09.440
<v Speaker 3>not only that, but the ATM had a limit on

0:42:09.480 --> 0:42:11.480
<v Speaker 3>how much you can draw it one time. So I'm

0:42:11.520 --> 0:42:13.799
<v Speaker 3>sitting there trying to figure out, like can I do

0:42:13.880 --> 0:42:16.200
<v Speaker 3>five hundred at a time. So I'm at the ATM

0:42:16.320 --> 0:42:21.560
<v Speaker 3>like five hundred insert your car, five hundred, insert your

0:42:21.600 --> 0:42:23.600
<v Speaker 3>card again, I'm just gonna keep going the Blue Vine

0:42:23.680 --> 0:42:26.000
<v Speaker 3>that my bank. Blue Vine is like, uh yeah, just

0:42:26.080 --> 0:42:27.919
<v Speaker 3>keep going. I don't know, maybe it's five and maybe

0:42:27.920 --> 0:42:30.640
<v Speaker 3>it's six hundreds of limit. Just keep trying. I get

0:42:30.680 --> 0:42:32.279
<v Speaker 3>the money out. Uh huh. I go to the bank.

0:42:32.360 --> 0:42:34.920
<v Speaker 3>They're like, yeah, idiot, we can't wire transfer cash money,

0:42:35.120 --> 0:42:39.040
<v Speaker 3>like you know, like, who are you coming off the

0:42:39.080 --> 0:42:42.000
<v Speaker 3>street with this money that probably came from I don't know,

0:42:42.080 --> 0:42:45.279
<v Speaker 3>something nefarious. So I go back to my car. I

0:42:45.320 --> 0:42:47.759
<v Speaker 3>go back to my car. Then I'm like, I have

0:42:47.920 --> 0:42:50.279
<v Speaker 3>this money, how do I put it back in my

0:42:50.320 --> 0:42:53.480
<v Speaker 3>oline like account? This is over two days of me

0:42:53.520 --> 0:42:55.279
<v Speaker 3>going to the ATM because again it was too much

0:42:55.280 --> 0:42:56.359
<v Speaker 3>for one days. Why to go back?

0:42:57.400 --> 0:42:57.800
<v Speaker 2>So I go.

0:42:58.040 --> 0:43:01.600
<v Speaker 3>I'm like at the ATM, like, can I just where's

0:43:01.640 --> 0:43:04.600
<v Speaker 3>the hole to put it back? In the internet because

0:43:04.719 --> 0:43:10.360
<v Speaker 3>I And it turns out, oh, well, you can go

0:43:10.400 --> 0:43:11.839
<v Speaker 3>to our you know, call the bang. Oh you can

0:43:11.880 --> 0:43:16.200
<v Speaker 3>go to O our fee free you know locations where

0:43:16.239 --> 0:43:19.600
<v Speaker 3>you can week upt cash deposits turns out Walmart is

0:43:19.600 --> 0:43:22.040
<v Speaker 3>not within like a fifty mile radius of where I live,

0:43:22.480 --> 0:43:25.920
<v Speaker 3>and the other ATMs like weren't working for deposit and

0:43:26.000 --> 0:43:28.359
<v Speaker 3>in the meantime, I go to even think I can

0:43:28.440 --> 0:43:30.799
<v Speaker 3>deposit this cash at an atm, my local CVS, and

0:43:30.840 --> 0:43:32.920
<v Speaker 3>I'm like walking up to the ATM and looking at

0:43:32.920 --> 0:43:35.879
<v Speaker 3>my wallet and I'm like, where's that debit card? Oh?

0:43:35.920 --> 0:43:38.160
<v Speaker 2>I left it in the atm with the bang. My god,

0:43:38.760 --> 0:43:40.479
<v Speaker 2>this is love shit I go through.

0:43:40.840 --> 0:43:44.800
<v Speaker 3>So when y'all think about when you think about Mandy

0:43:44.840 --> 0:43:48.320
<v Speaker 3>money and her six figure book deal and the business

0:43:48.360 --> 0:43:51.719
<v Speaker 3>that is thriving, and those things are true, but what's

0:43:51.760 --> 0:43:55.600
<v Speaker 3>also true is I am a real person with the

0:43:55.640 --> 0:43:58.880
<v Speaker 3>same expenses and you know, try and I do, like

0:43:58.920 --> 0:44:03.120
<v Speaker 3>you said, I keep my lifestyle very reasonable, but the cost,

0:44:03.239 --> 0:44:06.880
<v Speaker 3>the cost and the demand on the dollars, as you know,

0:44:07.239 --> 0:44:11.040
<v Speaker 3>at this point, I'm figuring out that balance and trying

0:44:11.080 --> 0:44:13.839
<v Speaker 3>to like be always ready and I'm not, and it's

0:44:14.040 --> 0:44:17.200
<v Speaker 3>very uncomfortable. I don't love it, but I also know

0:44:17.280 --> 0:44:19.040
<v Speaker 3>this is the way through and I have to just

0:44:19.080 --> 0:44:21.920
<v Speaker 3>like keep going hells therapy.

0:44:22.560 --> 0:44:26.560
<v Speaker 1>And honestly, here you are seeing me at year fifteen, right,

0:44:27.160 --> 0:44:30.080
<v Speaker 1>and it's really only been the last I want to say,

0:44:31.120 --> 0:44:32.640
<v Speaker 1>five years that I'm.

0:44:32.440 --> 0:44:34.520
<v Speaker 2>Like, huh, we're gonna be okay.

0:44:34.800 --> 0:44:38.080
<v Speaker 1>So think about ten years of like what Mandy's describing

0:44:38.600 --> 0:44:41.400
<v Speaker 1>that's what it was like. Like I I can remember

0:44:41.640 --> 0:44:43.560
<v Speaker 1>Jal and I were living in the Halfway Hood.

0:44:44.560 --> 0:44:48.040
<v Speaker 3>And I was like ripping my cuticles to shredsus I

0:44:48.120 --> 0:44:51.360
<v Speaker 3>was telling that story. That's how the stress.

0:44:51.120 --> 0:44:53.400
<v Speaker 1>Now, even the normal entrepreneurship, we were living in the

0:44:53.440 --> 0:44:55.839
<v Speaker 1>Halfway Hood, and by Halfway Hood, we were literally living

0:44:55.880 --> 0:45:02.080
<v Speaker 1>in subsized housing because he worked for housing and as

0:45:02.080 --> 0:45:04.120
<v Speaker 1>a result, they wanted him to be quote unquote on campus.

0:45:04.200 --> 0:45:05.560
<v Speaker 1>So I mean it was pretty I think, you know,

0:45:05.600 --> 0:45:07.200
<v Speaker 1>these were townhouses, but still it's housing.

0:45:07.280 --> 0:45:09.479
<v Speaker 3>I'm such, your apartment, yeah, but still it's.

0:45:09.440 --> 0:45:11.600
<v Speaker 1>Housing, right, And so our rent was only like nine

0:45:11.560 --> 0:45:13.359
<v Speaker 1>to twenty because he lived, you know, he worked where

0:45:13.400 --> 0:45:18.080
<v Speaker 1>he lived. I can remember literally coming out the front

0:45:18.080 --> 0:45:20.440
<v Speaker 1>door of housing and a young woman coming out and

0:45:20.480 --> 0:45:21.880
<v Speaker 1>looking at me, and I look at her and she's

0:45:21.880 --> 0:45:23.320
<v Speaker 1>looking at me. I look at her and she said,

0:45:24.120 --> 0:45:28.520
<v Speaker 1>but Lisa with you're confused, and I was like, hey,

0:45:30.000 --> 0:45:32.799
<v Speaker 1>I just took your webinar. I was like, so I'm

0:45:32.800 --> 0:45:34.560
<v Speaker 1>trying to deflect because I know what she wants to ask.

0:45:34.560 --> 0:45:37.680
<v Speaker 1>But I'm like, we're not. I'm like, I'll we learned

0:45:37.680 --> 0:45:39.880
<v Speaker 1>and didn't die, Okay, I getta go. Guess she's like,

0:45:40.400 --> 0:45:42.200
<v Speaker 1>does she live in housing with me?

0:45:45.000 --> 0:45:46.080
<v Speaker 2>And the Duke of Matters?

0:45:46.160 --> 0:45:48.319
<v Speaker 1>It was I'm saying it like that's because you're all

0:45:48.320 --> 0:45:50.640
<v Speaker 1>worked there now, That's what we could afford too, child,

0:45:51.040 --> 0:45:52.879
<v Speaker 1>because before I live moved in with Drowse paying five

0:45:52.920 --> 0:45:54.000
<v Speaker 1>hundred dollars a month for a room.

0:45:54.520 --> 0:45:55.480
<v Speaker 2>That's what I could afford.

0:45:55.719 --> 0:45:59.400
<v Speaker 1>So I just share that, like the road is not

0:45:59.520 --> 0:46:01.600
<v Speaker 1>easy and it might not end and where I am

0:46:01.640 --> 0:46:03.719
<v Speaker 1>now because honestly, I'm not gonna lie. I'm still very

0:46:03.760 --> 0:46:06.160
<v Speaker 1>conscious that like the shit can fall through now too.

0:46:06.360 --> 0:46:09.879
<v Speaker 1>I mean, I mean certainly I've been like for if

0:46:09.880 --> 0:46:11.799
<v Speaker 1>I'm being all the way candidate Mandy, for all the

0:46:11.880 --> 0:46:15.960
<v Speaker 1>money that I have made in business, I don't have

0:46:16.080 --> 0:46:21.080
<v Speaker 1>half of it left over, and not from misspending as

0:46:21.120 --> 0:46:25.319
<v Speaker 1>like Tiffany, but I didn't know how to run business.

0:46:25.680 --> 0:46:28.319
<v Speaker 1>I mean, I think certainly there was a lot of overpayment,

0:46:28.880 --> 0:46:33.840
<v Speaker 1>you know, as far as employees were concerned, just overspending

0:46:34.040 --> 0:46:36.480
<v Speaker 1>on certain things like you know, like marketing and but

0:46:36.560 --> 0:46:37.440
<v Speaker 1>not getting the return.

0:46:38.120 --> 0:46:39.520
<v Speaker 2>I mean, for all the money I've.

0:46:39.400 --> 0:46:43.840
<v Speaker 1>Made, girl, I should literally be like one percent of

0:46:43.880 --> 0:46:46.200
<v Speaker 1>the one percent you know I've made over fifty million

0:46:46.239 --> 0:46:46.800
<v Speaker 1>dollars in business.

0:46:46.800 --> 0:46:48.920
<v Speaker 2>I don't have twenty million dollars. I don't know how

0:46:49.040 --> 0:46:50.480
<v Speaker 2>ten million at all, you know what I mean.

0:46:50.520 --> 0:46:53.520
<v Speaker 1>I'm just like for what I've made, and so sometimes

0:46:53.520 --> 0:46:55.239
<v Speaker 1>they're there there's like, you know, I don't want to

0:46:55.280 --> 0:46:57.040
<v Speaker 1>say shame, but I'm like, damn.

0:46:57.760 --> 0:47:00.839
<v Speaker 3>Well, you're talking to your versions of Tiffany who are

0:47:00.880 --> 0:47:04.200
<v Speaker 3>like different or done something different or had guidance or

0:47:04.239 --> 0:47:07.960
<v Speaker 3>been there longer. And it's like the comparison up, yeah, you.

0:47:07.960 --> 0:47:09.680
<v Speaker 1>Know, because I'm just looking like day. I mean, I

0:47:09.719 --> 0:47:12.040
<v Speaker 1>had a friend who in business made forty million dollars

0:47:12.040 --> 0:47:13.799
<v Speaker 1>in business and over the last two or three years,

0:47:13.800 --> 0:47:14.839
<v Speaker 1>and she has twenty of it.

0:47:15.520 --> 0:47:18.960
<v Speaker 3>I was like, wow, do you know how my white

0:47:18.960 --> 0:47:23.440
<v Speaker 3>heart was like, oh, that's so great for you, but launching.

0:47:23.880 --> 0:47:26.319
<v Speaker 3>But the thing is the tools that that person used

0:47:26.320 --> 0:47:28.280
<v Speaker 3>and a lot of us are using today didn't exist

0:47:28.320 --> 0:47:30.319
<v Speaker 3>when you started and you were building everything and you

0:47:30.360 --> 0:47:31.759
<v Speaker 3>had your team and all this kind of stuff. So

0:47:31.760 --> 0:47:33.640
<v Speaker 3>it's also like perspective.

0:47:33.160 --> 0:47:35.720
<v Speaker 2>Yes, now you have to do myself the grace and space.

0:47:35.840 --> 0:47:38.080
<v Speaker 1>I'm just I'm sharing that like as good as it

0:47:38.120 --> 0:47:40.600
<v Speaker 1>seems that I have done. When I have tell you

0:47:40.680 --> 0:47:43.919
<v Speaker 1>I literally made so many tax errors. I want to say,

0:47:44.239 --> 0:47:46.960
<v Speaker 1>just when the business starts to take off, that it

0:47:47.080 --> 0:47:50.400
<v Speaker 1>costs no. No, girl, we're in that we're at about

0:47:50.440 --> 0:47:54.000
<v Speaker 1>seven figures of financial state, Like I probably had to

0:47:54.000 --> 0:47:57.080
<v Speaker 1>pay out additional million dollars because the tax area. Like

0:47:57.360 --> 0:48:00.160
<v Speaker 1>literally for like almost two or three years straight, every

0:48:00.200 --> 0:48:01.560
<v Speaker 1>time I got a tax bill on top of my

0:48:01.600 --> 0:48:03.879
<v Speaker 1>regular taxes. I remember the last bill that I got.

0:48:03.960 --> 0:48:06.680
<v Speaker 1>I just was like, at some point, it has to

0:48:07.000 --> 0:48:09.440
<v Speaker 1>something has to change. It was two hundred and fifty

0:48:09.560 --> 0:48:13.160
<v Speaker 1>thousand dollars, and I was like, what can I do?

0:48:14.040 --> 0:48:16.439
<v Speaker 3>I mean because of Memore, because that makes me feel

0:48:16.440 --> 0:48:18.680
<v Speaker 3>better about my seven thousand dollars IRS bill that I

0:48:18.719 --> 0:48:20.439
<v Speaker 3>still don't know what the hell. I just took a screen.

0:48:20.520 --> 0:48:23.000
<v Speaker 3>I was like, I just I can't process this and

0:48:23.000 --> 0:48:26.480
<v Speaker 3>that wasn't a regular picture and uploaded to my accounting

0:48:26.560 --> 0:48:28.480
<v Speaker 3>portal and let her figure it out and tell.

0:48:28.360 --> 0:48:30.399
<v Speaker 2>Me, thankfully we have this.

0:48:30.719 --> 0:48:33.560
<v Speaker 1>We had this awesome account and Angie, who used to

0:48:33.560 --> 0:48:36.480
<v Speaker 1>work for the IRS, who after like all the mess

0:48:36.760 --> 0:48:38.359
<v Speaker 1>because I didn't really know how to hire. I didn't

0:48:38.360 --> 0:48:41.520
<v Speaker 1>know how to She was like, we have to unearth

0:48:41.640 --> 0:48:43.239
<v Speaker 1>what's happening here? Because I was getting a bill I

0:48:43.239 --> 0:48:46.160
<v Speaker 1>felt like every month, and finally she got through the

0:48:46.200 --> 0:48:49.200
<v Speaker 1>IRS was like, what's going on? Fix all the paperwork?

0:48:49.239 --> 0:48:51.200
<v Speaker 1>And IRS was like, yes, but it's been years, so

0:48:51.280 --> 0:48:53.799
<v Speaker 1>you have to pay those back taxes on top of

0:48:54.520 --> 0:48:55.480
<v Speaker 1>the fees on top of that.

0:48:55.600 --> 0:48:56.440
<v Speaker 2>No, we won't wave them.

0:48:56.440 --> 0:48:58.560
<v Speaker 1>And it was when I tell you it was, I mean,

0:48:58.640 --> 0:49:01.759
<v Speaker 1>I've not added it up, but for as many six

0:49:01.760 --> 0:49:05.240
<v Speaker 1>figure bills as I've gotten, if it's not at a million,

0:49:05.320 --> 0:49:07.759
<v Speaker 1>it's not that far from it. Can you imagine that's

0:49:07.880 --> 0:49:10.040
<v Speaker 1>like like that I've had to pay and that's money

0:49:10.080 --> 0:49:12.359
<v Speaker 1>from Tiffany. I'm not talking about oh the business, No, no, no, no,

0:49:12.719 --> 0:49:13.920
<v Speaker 1>because I'm an escorp.

0:49:14.000 --> 0:49:16.719
<v Speaker 2>I know, look at me these face like because I'm

0:49:16.760 --> 0:49:18.080
<v Speaker 2>an es Corp. So it's passed through.

0:49:18.160 --> 0:49:20.880
<v Speaker 1>Meaning what that means is that let's just say your

0:49:20.920 --> 0:49:23.960
<v Speaker 1>business makes one hundred thousand dollars, right, and so if

0:49:23.960 --> 0:49:26.359
<v Speaker 1>your business makes one hundred thousand dollars and then you

0:49:26.400 --> 0:49:29.400
<v Speaker 1>spend fifty on running the business, the government says you

0:49:29.480 --> 0:49:32.839
<v Speaker 1>have to pay taxes only on the fifty leftover. Now,

0:49:32.880 --> 0:49:34.879
<v Speaker 1>if you save some of that fifty in the business,

0:49:34.920 --> 0:49:36.439
<v Speaker 1>let's just say you say, oh, I'm gonna put twenty

0:49:36.480 --> 0:49:38.880
<v Speaker 1>in my emergency account for business. The government says, I

0:49:38.880 --> 0:49:43.560
<v Speaker 1>don't care, Mandy, you still owe taxes on the fifty

0:49:43.800 --> 0:49:45.960
<v Speaker 1>not spent on business. And you might say I'm going

0:49:46.040 --> 0:49:49.680
<v Speaker 1>to put another ten thousand aside because I want to

0:49:49.680 --> 0:49:50.520
<v Speaker 1>do a project later.

0:49:50.640 --> 0:49:52.480
<v Speaker 2>The government says, I don't care.

0:49:52.960 --> 0:49:55.680
<v Speaker 1>Any money not on an es corp or LLC, any

0:49:55.719 --> 0:49:57.160
<v Speaker 1>money not spent on the business.

0:49:57.640 --> 0:50:00.680
<v Speaker 2>For you, the person, you have to pay taxes on

0:50:00.800 --> 0:50:01.240
<v Speaker 2>that money.

0:50:02.160 --> 0:50:05.520
<v Speaker 3>Why in daycare a business expense? How am I p

0:50:05.520 --> 0:50:09.960
<v Speaker 3>post to business if the kids are here? I can't business, girl.

0:50:10.040 --> 0:50:12.640
<v Speaker 3>There is no business if there's no childcare.

0:50:12.800 --> 0:50:16.400
<v Speaker 1>And so just imagine that million dollars basically in over

0:50:16.400 --> 0:50:18.879
<v Speaker 1>the last few years that I've had to pay. That's

0:50:19.000 --> 0:50:21.359
<v Speaker 1>money that if I didn't have to pay that to

0:50:21.400 --> 0:50:23.600
<v Speaker 1>the I r S for all these mistakes, would have

0:50:23.719 --> 0:50:24.960
<v Speaker 1>landed into my account.

0:50:26.400 --> 0:50:28.520
<v Speaker 2>So like just like really like like that's.

0:50:28.400 --> 0:50:32.120
<v Speaker 3>I can, right, And so Biggie was right, money mom.

0:50:32.360 --> 0:50:34.640
<v Speaker 2>I mean, it's hard around here in these parts.

0:50:36.400 --> 0:50:38.160
<v Speaker 1>It's just I mean, I know it sounds like somewhere

0:50:38.239 --> 0:50:41.239
<v Speaker 1>like unrelated, like, but it's just me and Mandy are

0:50:41.280 --> 0:50:42.440
<v Speaker 1>sharing this because.

0:50:42.200 --> 0:50:42.759
<v Speaker 2>It's just.

0:50:44.760 --> 0:50:45.879
<v Speaker 3>That's good for one thing.

0:50:46.400 --> 0:50:48.040
<v Speaker 2>I don't yeah, and plus I don't even know what

0:50:48.040 --> 0:50:48.439
<v Speaker 2>I'm doing.

0:50:48.480 --> 0:50:50.800
<v Speaker 3>I mean, I know, it's like it's stressful to pretend

0:50:50.840 --> 0:50:51.839
<v Speaker 3>like I got it all.

0:50:53.080 --> 0:50:55.040
<v Speaker 2>Every day we'd be making it up. I don't know.

0:50:55.520 --> 0:50:57.080
<v Speaker 1>When my team asked me, I'm like, girl, you know,

0:50:57.120 --> 0:50:58.640
<v Speaker 1>I don't know. I know just as much as you.

0:50:59.000 --> 0:51:01.439
<v Speaker 1>And the only thing I do know is that through

0:51:01.480 --> 0:51:04.239
<v Speaker 1>past experiences it helps to inform to help me make

0:51:04.280 --> 0:51:05.120
<v Speaker 1>better decisions.

0:51:06.239 --> 0:51:08.720
<v Speaker 2>But I don't know. I've never been in this position,

0:51:09.280 --> 0:51:11.760
<v Speaker 2>like how do you how do you launch a workbook

0:51:11.800 --> 0:51:12.520
<v Speaker 2>version of your book?

0:51:12.560 --> 0:51:14.480
<v Speaker 1>I don't know, but I do know how to launch

0:51:14.520 --> 0:51:16.400
<v Speaker 1>a book because I did that, and so I use

0:51:16.480 --> 0:51:17.879
<v Speaker 1>some of those things and some of it is working

0:51:17.880 --> 0:51:20.520
<v Speaker 1>and some of us. Every all that it's like a

0:51:20.560 --> 0:51:23.399
<v Speaker 1>being a parent every day is new. You know, when

0:51:23.440 --> 0:51:25.560
<v Speaker 1>Rio turns five, you'll have never had a five year

0:51:25.560 --> 0:51:27.200
<v Speaker 1>old before. You're gonna have to figure out what it's

0:51:27.200 --> 0:51:29.160
<v Speaker 1>like to have a five year old. And so when

0:51:29.200 --> 0:51:30.840
<v Speaker 1>the baby is two, you're like, Okay, I've had a

0:51:30.880 --> 0:51:32.200
<v Speaker 1>two year old before, but I've never had a two

0:51:32.280 --> 0:51:34.399
<v Speaker 1>year old when I also had an older kid. So

0:51:34.640 --> 0:51:37.080
<v Speaker 1>all you do is that you take your knowledge and there's.

0:51:36.960 --> 0:51:37.920
<v Speaker 3>A different example.

0:51:37.960 --> 0:51:40.240
<v Speaker 2>I'm going to be stressed and then you do your best.

0:51:40.280 --> 0:51:41.879
<v Speaker 2>And so I've just just.

0:51:41.840 --> 0:51:44.080
<v Speaker 3>Known you try to look back on it without being

0:51:44.120 --> 0:51:47.360
<v Speaker 3>too hard on yourself. Yeah, and also that goes for

0:51:47.440 --> 0:51:50.480
<v Speaker 3>y'all too who are listening. Yes, damn it, because we're

0:51:50.520 --> 0:51:54.640
<v Speaker 3>not perfect and you don't sit there judging. It's easy

0:51:54.719 --> 0:51:57.000
<v Speaker 3>to judge. But also I think, I mean, we can

0:51:57.000 --> 0:51:59.200
<v Speaker 3>be vulnerable with our audience, feel like our audience gets it.

0:51:59.480 --> 0:52:02.879
<v Speaker 3>But I get really worried when people come through Mandy

0:52:02.880 --> 0:52:04.239
<v Speaker 3>money Makers and I found that they want to be

0:52:04.280 --> 0:52:06.120
<v Speaker 3>a coach, and I'm like, did I make it seem

0:52:06.160 --> 0:52:11.279
<v Speaker 3>too easy? It's not. I had a career for a

0:52:11.280 --> 0:52:14.160
<v Speaker 3>long time for a reason. But you know what I realized,

0:52:15.320 --> 0:52:18.000
<v Speaker 3>brown ambition, the thing that we made together has become

0:52:18.080 --> 0:52:21.440
<v Speaker 3>the consistent beyond my course, the consistent one of the

0:52:21.480 --> 0:52:23.560
<v Speaker 3>consistent income streams that I have and I'm so grateful

0:52:23.600 --> 0:52:28.000
<v Speaker 3>for and I'm just like more of those, please, But

0:52:28.040 --> 0:52:29.160
<v Speaker 3>I'm a baby business.

0:52:29.200 --> 0:52:31.799
<v Speaker 1>Okay, No, we all make it, and that's why we

0:52:31.880 --> 0:52:34.080
<v Speaker 1>have this podcast and we share, and Mandy and I

0:52:34.120 --> 0:52:36.120
<v Speaker 1>share with each other because I don't know all the

0:52:36.160 --> 0:52:38.600
<v Speaker 1>things there's times when I'm like, Mandy, because you've worked

0:52:38.600 --> 0:52:39.839
<v Speaker 1>on the corporate side, what am I.

0:52:39.760 --> 0:52:40.359
<v Speaker 2>Doing wrong here?

0:52:40.400 --> 0:52:45.440
<v Speaker 1>She's done, She's literally done like training for my employees,

0:52:45.960 --> 0:52:48.480
<v Speaker 1>because she has a set of knowledge and a skill

0:52:48.520 --> 0:52:51.799
<v Speaker 1>set that I don't have. And so it's important as

0:52:51.840 --> 0:52:53.920
<v Speaker 1>you are navigating, whether you work in corporate or whether

0:52:53.960 --> 0:52:56.080
<v Speaker 1>you work you know, you have your own business or whatever,

0:52:56.480 --> 0:53:00.799
<v Speaker 1>that you networks Ray sat at best, everybody wants a network.

0:53:00.840 --> 0:53:06.120
<v Speaker 1>Virtically everybody wants bro Beyonce and Oprah are busy network horizontally, Like, hey,

0:53:06.160 --> 0:53:07.759
<v Speaker 1>I know this thing, Mandy, but you know that thing

0:53:07.800 --> 0:53:11.440
<v Speaker 1>can be exchanged. So that horizontal network is so critical.

0:53:11.680 --> 0:53:13.480
<v Speaker 1>So you might be far ahead in one space, but

0:53:13.480 --> 0:53:14.920
<v Speaker 1>there's another space. I'm like, I don't know how to

0:53:15.000 --> 0:53:15.719
<v Speaker 1>do that, and.

0:53:15.680 --> 0:53:17.759
<v Speaker 3>So don't not work with me. About taxes, I'm still

0:53:17.760 --> 0:53:18.319
<v Speaker 3>figuring that shit.

0:53:19.040 --> 0:53:22.560
<v Speaker 2>Not be either shit. I'm finally I think I haven't

0:53:22.560 --> 0:53:23.320
<v Speaker 2>gotten a letter.

0:53:23.120 --> 0:53:25.360
<v Speaker 3>In a long time. You know, I don't think anyone

0:53:25.400 --> 0:53:26.640
<v Speaker 3>has their taxes figured out.

0:53:27.360 --> 0:53:31.439
<v Speaker 1>This country's must So this has been a super long

0:53:31.600 --> 0:53:39.279
<v Speaker 1>therapeutic episode. So we're gonna say goodbye, farewell.

0:53:39.520 --> 0:53:44.160
<v Speaker 3>We're going I thought there was like when the beat

0:53:44.239 --> 0:53:50.400
<v Speaker 3>drops goodbye, But that's okay.

0:53:50.200 --> 0:53:51.960
<v Speaker 1>Because we can see you guys on Friday for b

0:53:52.080 --> 0:53:54.760
<v Speaker 1>a q A, where if you have questions about business, career,

0:53:55.600 --> 0:53:59.280
<v Speaker 1>personal finances, we are here to your too smart, cute

0:53:59.280 --> 0:54:03.279
<v Speaker 1>brown girlfriends and we'll help you out there. But until then,

0:54:03.400 --> 0:54:05.200
<v Speaker 1>I mean, honestly, we'd love your feedback, like I mean,

0:54:05.360 --> 0:54:08.560
<v Speaker 1>tweet us dmost on Instagram, like you know, what are

0:54:08.560 --> 0:54:11.399
<v Speaker 1>you struggling with? You know even, I mean, I would

0:54:11.440 --> 0:54:12.680
<v Speaker 1>just love even if you want to do like an

0:54:12.719 --> 0:54:14.320
<v Speaker 1>anonymous we might do that in like a b a

0:54:14.400 --> 0:54:16.040
<v Speaker 1>q A. And sometimes you just want to be like

0:54:16.080 --> 0:54:18.480
<v Speaker 1>I just want I need to tell somebody anonymously the

0:54:18.520 --> 0:54:20.520
<v Speaker 1>struggle that I'm having. Even if you're not wanting advice,

0:54:20.760 --> 0:54:21.759
<v Speaker 1>you know, we'd welcome that too.

0:54:21.920 --> 0:54:25.680
<v Speaker 2>Sometimes you just need to say this, say it out loud, yes, exactly.

0:54:25.440 --> 0:54:26.520
<v Speaker 3>Oh jinks.

0:54:26.600 --> 0:54:28.600
<v Speaker 1>Oh maybe I should be a section a segment of

0:54:28.680 --> 0:54:31.160
<v Speaker 1>b a QA say it out loud, sex shift? Sorry

0:54:31.239 --> 0:54:34.439
<v Speaker 1>what no I said a section of B AQA say

0:54:34.440 --> 0:54:34.879
<v Speaker 1>it out loud?

0:54:34.920 --> 0:54:38.799
<v Speaker 3>Oh not me scratching my itchy army talking about my.

0:54:38.800 --> 0:54:41.560
<v Speaker 1>Finances morel you know, like B a q A may

0:54:41.600 --> 0:54:43.600
<v Speaker 1>have Like you don't even want advice you just want.

0:54:43.440 --> 0:54:44.040
<v Speaker 2>To say it out loud.

0:54:44.120 --> 0:54:48.560
<v Speaker 3>Let's let's consider okay, dumpy your stuff on us. We're

0:54:48.600 --> 0:54:53.480
<v Speaker 3>like a priez but in you're nut anyway. Let the

0:54:53.600 --> 0:55:06.040
<v Speaker 3>beat drunkerbye then b bye. This is why I don't

0:55:06.040 --> 0:55:06.720
<v Speaker 3>sing the songs.