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Speaker 1: It's time for the ba qa A the ba qa

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Speaker 1: what to say? The v a qa with Manday, the

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Speaker 1: va qa and Tiffany A the ba qa A. Okay,

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Speaker 1: I lie, Tiffany's not here, y'all, She's not here. She

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Speaker 1: left me solo today, but not for long, because I

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Speaker 1: am joined by our brilliant guest. If you haven't listened

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Speaker 1: to her episode about her brand new book, Your Journey

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Speaker 1: to Financial Freedom, why are you here? Going back to

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Speaker 1: Wednesday's episode and check it out. Jamila sous frant is

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Speaker 1: in the house. Hey Jamila, hey girl, Hey, long time

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Speaker 1: nothing I know, right, so excited to have you on.

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Speaker 1: So in the baqa. First, we got to start with

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Speaker 1: our disclaimer, okay, Jamila, because we ain't trying to get

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Speaker 1: you sued. You just got here. We are your financi

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Speaker 1: You can call us your financial sisters, your financial besties.

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Speaker 1: We are not your lawyer, not your financial advisor, not

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Speaker 1: financial planner, not your investment advisor, not anyone that you

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Speaker 1: would pay for advice. So take everything we say the

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Speaker 1: grain of salt. Okay, we got brains, we got smarts

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Speaker 1: and all of that juicy goodness. But no, please, you

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Speaker 1: can just send those you know, send those send those

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Speaker 1: legal fees somewhere else. Okay, we don't have time for that.

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Speaker 1: Let's jump into some questions, because Jimmy, let your book

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Speaker 1: is all about your journey to financial freedom and helping

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Speaker 1: others feel what is possible for them if they take

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Speaker 1: some steps in their lives today to get to their

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Speaker 1: own version of financial freedom. So we picked out a

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Speaker 1: couple of good questions from our BA fam that we're

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Speaker 1: going to read today listen. As a reminder, y'all can

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Speaker 1: submit your questions at Brand Ambition Podcast on ig slide

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Speaker 1: into our DMS, or you can go to Brandnambisson podcast

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Speaker 1: dot com and click ask us anything and submit your

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Speaker 1: questions there. All right, Number one? You ready?

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Speaker 2: Yeah, let's go.

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Speaker 1: Little shoulder shimmy, little shoulder rub rub, I wish shoulder rub,

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Speaker 1: little shoulder stretch. All right. The first question comes from

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Speaker 1: IG from listen, Ana Anna says, hey, ladies, First, thank

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Speaker 1: you so much for creating this space. Finance credit savings

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Speaker 1: investing is so overwhelming to me that I just turn

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Speaker 1: away from it. But I can't afford to do that

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Speaker 1: any longer. I picked up Get Good with Money, Tiffany's book,

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Speaker 1: and I'm ready to put in work. Yes, My question

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Speaker 1: is should I invest in a four to oh one

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Speaker 1: K or a wroth I? Ray, I have zero dollars

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Speaker 1: in either of these right now. I'm an immigrant from

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Speaker 1: Dr Hey Mandy High girl Ola, and no one in

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Speaker 1: my family knows how to navigate American finances. I'm thirty

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Speaker 1: one years old and I want to retire comfortably around

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Speaker 1: fifty five years old ish. Any tips or reality checks

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Speaker 1: are welcome. Okay, Anna, Anna in the house. Okay, So

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Speaker 1: she's got this feeling that her family doesn't know how

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Speaker 1: to navigate American finances. She's on her own, but she's

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Speaker 1: ready to do something, all right. But the question itself

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Speaker 1: is pretty simple. One K or wroth Ira, what do

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Speaker 1: you say?

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Speaker 2: Okay, so this is gonna be Yeah, it's gonna depend

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Speaker 2: on a couple of things. So if you have access

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Speaker 2: to a four to one K through your job, so one,

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Speaker 2: you know, make check that out. Make sure that you

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Speaker 2: do have access. Do they give you a company match,

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Speaker 2: meaning if you put in a certain percentage or a

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Speaker 2: certain amount, do they also match you up to a

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Speaker 2: certain point? Because if you can, then you should be

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Speaker 2: investing up until that point in which they can max

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Speaker 2: or match you in your account. It's almost like free money.

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Speaker 2: I do air quotes because technically it's not free, like

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Speaker 2: it's part of your compensation package, so you should be

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Speaker 2: using it, and you know start there. So, do you

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Speaker 2: have a four to one K? Does it have a

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Speaker 2: company match? If it does, you should invest up into

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Speaker 2: that company match at the minimum. Also recognizing the difference

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Speaker 2: between a four to one.

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Speaker 1: K and a wroth IRA.

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Speaker 2: So typically the four to one K will be through

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Speaker 2: a company. It's a company sponsored pre tax retimement plan,

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Speaker 2: meaning the amount you put in reduces your taxable income

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Speaker 2: so you actually pay less in taxes or it makes

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Speaker 2: your net income less. And then a wroth IRA is

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Speaker 2: an after tax retirement vehicle that you can use and

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Speaker 2: open up separately with a brokerage company outside of your job.

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Speaker 2: And that's after tax money, meaning you pay taxes on

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Speaker 2: that money already and you're now putting it into this

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Speaker 2: roth iray to grow over time. So I always like

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Speaker 2: to think about what is your income level, So people

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Speaker 2: who are typically higher earners like to put money in

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Speaker 2: their four one K and pre tax retirement accounts to

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Speaker 2: reduce how much they need to pay in taxes. So

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Speaker 2: it's a smart tax strategy and just it's helpful to

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Speaker 2: put money away. Or if you're not earning a lot

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Speaker 2: of money and there is a limited amount, if you

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Speaker 2: do have that match, do up to the company match

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Speaker 2: in your four to one K. But then you can

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Speaker 2: also take and use your after tax dollars to invest

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Speaker 2: in a roth ira if you're not earning a lot

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Speaker 2: At the moment.

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Speaker 1: I was just looking up the limits for four oh

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Speaker 1: one K because I haven't had a traditional job in

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Speaker 1: a few years, so I'm like, what is the limit now? God,

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Speaker 1: I miss my four to one K. It's so easy, y'all.

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Speaker 1: People make you know, business ownership looks so cute and sexy,

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Speaker 1: but it's more complicated. Okay, I miss my cute little

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Speaker 1: cozy four one K. I got my little auto payroll deposit.

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Speaker 1: The limit right now is twenty two twenty two, five hundred,

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Speaker 1: but in the new year, which is just around the corner,

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Speaker 1: it's going to go up to twenty three thousand, So

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Speaker 1: if you get that match. I mean, I always kind

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Speaker 1: of went by the rule of max out the four

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Speaker 1: to one K or try to because it's hard to

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Speaker 1: get up to that, like save twenty two something k

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Speaker 1: a year. That in and of itself is a huge,

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Speaker 1: you know, a huge accomplishment. And then my financial planner

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Speaker 1: was always like, you know, okay, once you get past that,

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Speaker 1: then let's move on to the ROTH because you can

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Speaker 1: save less in the ROTH. Ira there's and there's income limits,

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Speaker 1: so there's it's a bit more like complicated. And when

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Speaker 1: it comes to financial steps again, I'm not a financial planner.

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Speaker 1: I'm always like, what's the easiest path to entry? And

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Speaker 1: for so many of you listening, including you, anna go

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Speaker 1: to your payroll department, your HR and be like, how

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Speaker 1: do I enroll in the four one K? And make

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Speaker 1: sure they tell you and they probably told you at orientation,

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Speaker 1: make them tell you again. That's their job. Okay, Jamila.

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Speaker 1: Now I'm curious because you're Jamaican and you were born

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Speaker 1: in Jamaica and your mom brought you here? How did

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Speaker 1: that work? But I want to know, because she obviously

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Speaker 1: wasn't from here, how did she navigate her finances in America?

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Speaker 2: Listen, my mom was a force because she came here

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Speaker 2: at twenty years old, and yeah, she left me behind

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Speaker 2: in Jamaica when she had me to establish herself a

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Speaker 2: bit and then I came to join her just a

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Speaker 2: few months later. But she did with no internet, no phone,

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Speaker 2: so quickly you type up to find something. She yellow

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Speaker 2: pages and showing up to places that said they would

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Speaker 2: be open, you know, looking into resources and getting on

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Speaker 2: government assistance in the beginning to help sustain herself. And

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Speaker 2: so it did take a lot of curiosity and tenacity,

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Speaker 2: and at such a young she was only twenty years old.

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Speaker 2: Like again, I can't imagine doing it by herself, for right,

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Speaker 2: and so in a country.

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Speaker 1: She had to leave.

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Speaker 2: Right that part, So you know how it is being

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Speaker 2: a mom now, I mean, I get it. I talk

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Speaker 2: about this in the book Your Journey to Financial Freedom,

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Speaker 2: that you know, for her to forge a path like

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Speaker 2: go to the country she's never been, to experience seasons

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Speaker 2: she's never experienced for the first time with barely any

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Speaker 2: money in her pocket, how bold she must have been

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Speaker 2: to be able to do that. And so like the

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Speaker 2: the call for us to try to attain financial independence

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Speaker 2: is bold, right, Like Anna now is entering into this

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Speaker 2: stage where she's like needing to make a big decision,

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Speaker 2: and it is big for her, you know, and it

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Speaker 2: can change the course of her life. But It's just like,

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Speaker 2: think about what your parents or your your ancestors did

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Speaker 2: to put like to get you here, and how probably

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Speaker 2: you know it wasn't like their money that was at risk,

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Speaker 2: it was their lives and livelihood. And that always gave

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Speaker 2: me the courage. I'm like, you know what, I can

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Speaker 2: call hr, I could do this. Yeah, I can ask

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Speaker 2: this question and so use that as your motivation to

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Speaker 2: get you going to do something different because just because

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Speaker 2: no one in your family, look, I get it. No

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Speaker 2: one in my family also talked to me specifically about investing.

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Speaker 2: These are things I learned on the as I got

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Speaker 2: older and especially on my journey. But you can be

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Speaker 2: the first. You can change that and then be the

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Speaker 2: person that you know puts your family on and your

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Speaker 2: cousins and you start to help other people when you

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Speaker 2: have the knowledge and information right.

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Speaker 1: And I just want to say too that when you're

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Speaker 1: on this journey and you know, I would say, gather

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Speaker 1: friends confidants as you go along who were on the

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Speaker 1: same path as you. Because family is amazing. But family

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Speaker 1: doesn't always understand the journey that we're on because they

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Speaker 1: have their separate journeys. So I just feel like the

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Speaker 1: more voices you have, whether it's hours from listening to

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Speaker 1: the podcast. I'm happy that you found BA, but also

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Speaker 1: Jamila's podcast Journey to Launch. It's a great one to

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Speaker 1: add to the mix. So you yeah, we can be

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Speaker 1: like your big sister friends who can give you these

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Speaker 1: ideas and help guide you a little bit of the way.

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Speaker 1: But to take ownership of your own journey. And you're

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Speaker 1: only thirty one, you're so young. Fifty five to me

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Speaker 1: does not seem like out of step with reality at all.

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Speaker 1: To have a goal of you know, being able to

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Speaker 1: retire or at least being used to say it's comfortable,

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Speaker 1: of course, like fifty five, Like that's twenty five years

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Speaker 1: almost that you've got to invest. I'm like, start now, Yeah, let's.

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Speaker 2: Go to it. You got you got a lot of time,

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Speaker 2: and it's never too late. You know, it's never too late.

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Speaker 2: You'd be surprised how much ground you can make up

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Speaker 2: once you just start, because as you start, you may

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Speaker 2: not know everything you need to know right now, but

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Speaker 2: as you start going, you start it's like picking up

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Speaker 2: gems you play in a video game, right and it's

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Speaker 2: just like you picking up these gems and tools and

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Speaker 2: it becomes like a big effect, a snowball effect, and

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Speaker 2: things start accumulating faster that you could have ever imagined.

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Speaker 2: So just start and this is a great start for

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Speaker 2: you asking the question.

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Speaker 1: Absolutely. Okay, thank you, Anna, thank you so much for

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Speaker 1: sending in your question. We're going to take a quick

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Speaker 1: break and we'll be right back with more of the

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Speaker 1: Baqa with our guest Jamila Soufront of Journey to Launch. Hey,

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Speaker 1: ba Fan, we are back with question number two. This

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Speaker 1: question comes from a listener who'd like to be called

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Speaker 1: Manifesting Wealth Babe. Okay, I feel that I'm excited to

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Speaker 1: hear from you, Manifesting Wealth Babe, because you've been a

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Speaker 1: long time listener. Let's get into this question. Hey, Mandy

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Speaker 1: and Tiffany. She says, I last wrote to y'all one

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Speaker 1: and a half years ago when I was seventy five

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Speaker 1: hundred dollars in credit card debt and seeking advice on

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Speaker 1: how to pay that down and buy a house. Well

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Speaker 1: now I am credit card debt free, yes, and I'm

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Speaker 1: getting the keys to my first row home next week,

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Speaker 1: which will be my primary residence. Come on, this is

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Speaker 1: amazing and just one and a half years that is phenomenal.

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Speaker 1: I'm also starting a new job where I'll be making

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Speaker 1: fifty k more than my last one. To me amazing,

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Speaker 1: like I shook it. Wow, you did the damn thing, girl.

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Speaker 1: This is incredible. Okay, starting a new job making fifty

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Speaker 1: k more. Since my mortgage interest rate is at seven

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Speaker 1: point three seven percent ooof yes, it's so expensive out

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Speaker 1: there right now, I'd like to pay now my house

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Speaker 1: as quickly as possible. I figure that I can put

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Speaker 1: that fifty k a year toward my mortgage by tripling

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Speaker 1: my monthly payment. What else should I be doing to

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Speaker 1: make my money work for me? I have several four

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Speaker 1: to one ks from different jobs throughout the year, but

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Speaker 1: I don't keep up with them, and I don't know

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Speaker 1: the collective total. Should I start focusing on building that up,

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Speaker 1: put more money toward my emergency face savings, or start investing.

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Speaker 1: I've got a six month emergency fund, and since I'm

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Speaker 1: using some state grant programs, I'm technically not supposed to

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Speaker 1: rent out my house for the life of the loan. Okay. Interesting.

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Speaker 1: Any advice on next steps now that I've got my

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Speaker 1: head above water would be greatly appreciated. Things for all

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Speaker 1: you do ooh, Okay, got to celebrate those wins. Yeah,

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Speaker 1: but now it's the Okay, I did the dirty work,

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Speaker 1: paying down the debt, doing what I can to get

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Speaker 1: access to I love the idea that you use grants,

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Speaker 1: some state programs to get your first property, but fifty

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Speaker 1: k more and thinking about tripling her mortgage payments? Why

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Speaker 1: does my chest kind of do like it? When I

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Speaker 1: don't know, am I wrong? I kind of feel like,

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Speaker 1: don't do that? But I don't know what. I don't

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Speaker 1: know what exactly I'm thinking yet, what do you think?

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Speaker 2: All right, there's a few things here. So the first is,

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Speaker 2: oh my gosh, congratulations, you are doing the damn thing.

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Speaker 2: You'd be primed to like join me on this journey

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Speaker 2: to financial independence because you're the kind of person where

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Speaker 2: you're a journey to financial freedom because you have so much,

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Speaker 2: so many assets in terms of what can help you

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Speaker 2: on this journey leap frog you forward very fast through

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Speaker 2: these stages that I talk about to reach financial independence.

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Speaker 2: And so first this is going to just be technical,

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Speaker 2: but I would like you to go search down and

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Speaker 2: find where your several four one ks are, so you know,

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Speaker 2: a task is to where are those four one k's located.

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Speaker 1: If you got in the book, honey, right.

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Speaker 2: Sit down, call those companies up, get the log in

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Speaker 2: information and it might be best served that might it

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Speaker 2: will be best served for you to probably roll those

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Speaker 2: all over into your own you know outside what would

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Speaker 2: happen is a traditional ERA. So because it's a pre

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Speaker 2: tax four one K, if you roll that and took

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Speaker 2: that out of your companies who's ever holding it and

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Speaker 2: put it into your own ERA account, you can roll

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Speaker 2: that over and combine everything just so you can have

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Speaker 2: it all in one place and be more direct or

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Speaker 2: active in knowing what the numbers are and where you're invested,

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Speaker 2: because you don't know if the company's charging you overcharging

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Speaker 2: you to help manage these investments when you can park

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Speaker 2: them on your own somewhere else in a mutual fund

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Speaker 2: that has a low fees. So just one get that

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Speaker 2: information for all your accounts, consider rolling them over into

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Speaker 2: one and talk to a tax person. So at your

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Speaker 2: income level, I'm assuming it's a lot more now you

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Speaker 2: know it might be best to talk to someone who

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Speaker 2: can help navigate and manage this for you. The other

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Speaker 2: thing is that you're you're going to have a very

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Speaker 2: huge increase in income, So investing in a four to

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Speaker 2: one K to help manage taxes, right, you're putting away

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Speaker 2: for your financial future and financial independence, but you're able

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Speaker 2: to lower your taxable income because you know, when we

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Speaker 2: make more, that's when the government comes in and they

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Speaker 2: tax us more, which is not always a bad thing.

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Speaker 1: You know.

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Speaker 2: I am for paying taxes because this country needs to

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Speaker 2: run some way. So but if you can then increase

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Speaker 2: your four one K contributions at your current job, that

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Speaker 2: will help to reduce how much taxes you pay and

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Speaker 2: put some money away for yourself that you can use.

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Speaker 2: I think the other thing I didn't want to mention before, Mandy,

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Speaker 2: I want to hear some of your feedback is that

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Speaker 2: you know, the biggest thing is that you don't have

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Speaker 2: to make this complicated. It seems like you pay down

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Speaker 2: your credit card debt already. The interest rate is very high,

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Speaker 2: So I just keep your eye in the interest rate

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Speaker 2: to see when you can refinance at a lower rate

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Speaker 2: once they start dropping, because in a couple of years

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Speaker 2: they will. But for me, I wouldn't necessarily put all

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Speaker 2: of my money or additional money in the house just

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Speaker 2: because you know, it's a non liquid asset. You know,

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Speaker 2: to tap into that money. It would be a lot

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Speaker 2: harder if you need it or need to sell or

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Speaker 2: whatever the case like. In order to tap into the

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Speaker 2: equity of your home, you're going to either need to

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Speaker 2: sell it or to take out a home equity mortgage

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Speaker 2: versus you invest that money and you can maybe beat

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Speaker 2: I mean, this is a high interest rate, but if

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Speaker 2: you can beat the average of what you're paying any

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Speaker 2: of your mortgage, it maybe makes sense to do it

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Speaker 2: that way. But I wouldn't discourage you. I do the

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Speaker 2: math on how much do so would I pay or

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Speaker 2: how long will it take if I do triple these payments?

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Speaker 2: Does it shave off five years? Does it shave off

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Speaker 2: only like? What does that look like? And less cash flow?

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Speaker 2: Does that matter more to me versus increasing my assets

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Speaker 2: on the other side, versus increasing my equity in my house? Mandy,

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Speaker 2: what do you think?

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Speaker 1: Yeah, I love a lot of what you said. I

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Speaker 1: think the reason my stomach was kind of turning when

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Speaker 1: it came to the idea of tripling their mortgage payments

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Speaker 1: is like the high of paying down debt. You know,

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Speaker 1: you get that this is like the Dave Ramsey way

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Speaker 1: of paying down debt. Right, just like attack, attack, attack.

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Speaker 1: But I agree it's going to put you in a

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Speaker 1: financially vulnerable situation to tie up even more of your

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Speaker 1: money in a house, especially like like like Tiffany, Sorry, Jamila, Tiffany,

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Speaker 1: I miss you, Like Jamila said, you know, it's it's

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Speaker 1: something that you can It's not a piggy bank. People

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Speaker 1: treat it. They think you can treat like a piggy bank,

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Speaker 1: but it takes time. And even during the pandemic, banks

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Speaker 1: were like stopping giving home equity loans because everybody was like, oh,

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Speaker 1: my home, my home prices have gone up so high,

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Speaker 1: my home values have gone up so high. I want to,

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Speaker 1: you know, tap into this. And thanks were like slow down,

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Speaker 1: so and and I like the idea because you have,

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Speaker 1: you know, paid off your debt. I think that's incredible.

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Speaker 1: You can keep that good feeling going, the high that

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Speaker 1: you get from paying it down, But don't put that

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Speaker 1: energy into your house. I would say, put it into

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Speaker 1: your investment account, in your in your emergency fund. Six

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Speaker 1: months is great, but you're a homeowner now, and these

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Speaker 1: homes be homing, okay, Like I moved into I bought

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Speaker 1: my house five years ago, and it's about that time,

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Speaker 1: the appliance has start breaking down on you, and I'm like,

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Speaker 1: wait a minute, didn't I just spend two thousand dollars

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Speaker 1: on this washer dryer, you know what I mean? And

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Speaker 1: it's like, oh, well, this is what happens. Now you

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Speaker 1: got to repair stuff. The prices, you know, the cost

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Speaker 1: goes up. Also to make your money work for you.

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Speaker 1: I feel like there's no better place at this stage

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Speaker 1: for you then getting some of that money into the market,

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Speaker 1: and whether it's like getting all your four to one

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Speaker 1: ks all in one place, which I absolutely I would

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Speaker 1: even go further to say, girl, go round them up

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Speaker 1: and get them in one place. You can't be losing

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Speaker 1: track of money like that, like leaving money under the

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Speaker 1: couch cushions, because for example, I forgot about like a

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Speaker 1: little tiny baby for one K I had from a

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Speaker 1: job that I was at for just a hot minute

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Speaker 1: a few years back, and it was like fifteen hundred

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Speaker 1: dollars and it was just putting a money market fund,

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Speaker 1: earning negative money, and I missed all the fun ups

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Speaker 1: of the pandemic. You know, I could I could have

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Speaker 1: gained a lot on that a little bit of money,

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Speaker 1: but it was just sitting there not invested. Excuse me. So,

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Speaker 1: I think if you want your money to work for you,

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Speaker 1: figure out a way to leverage your increase in pay

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Speaker 1: in a tax savvy way. I agree with Jamila about

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Speaker 1: reaching out to a tax professional, but you know, I

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Speaker 1: think it is simple open up or start contributing to

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Speaker 1: your pre tax retirement account through your employer and start

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Speaker 1: letting that money continue accruing on the side while adding

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Speaker 1: a little bit more to that emergency fund. It's up

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Speaker 1: to you sort of what your magic number is. Six

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Speaker 1: months sounds good, but I'm honestly, like a as a homeowner,

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Speaker 1: I'm on that, like you know, nine to twelve month, yeah,

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Speaker 1: expenses kind of train like I yeah, especially having survived

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Speaker 1: a couple of processions now. But that's that's really up

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Speaker 1: to you. But my message is, let's sink more money

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Speaker 1: into your investment portfolio than into your house right now.

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Speaker 2: And if I could just add so One of the

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Speaker 2: things I tell people to do in the book to

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Speaker 2: help map out their journey to financial independence is that

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Speaker 2: you have to assess where you currently are. You have

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Speaker 2: to know your numbers and so you have to know

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Speaker 2: your income, You have to know your expenses. You have

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Speaker 2: to know how much you owe sow your liabilities, and

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Speaker 2: you have to know how much you own your assets

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Speaker 2: because your assets and accumulating more eventually allows you to

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Speaker 2: retire early or quit that job, or do whatever you

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Speaker 2: want because your assets will pay for your living expenses.

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Speaker 2: But if you don't know how much you have or

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Speaker 2: where they are, then you don't know your starting point,

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Speaker 2: So you don't know you might be further along that

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Speaker 2: you can even know to reaching financial independence or your journey,

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00:20:10,880 --> 00:20:12,439
Speaker 2: but you just don't know that you're not counting that

401
00:20:12,480 --> 00:20:14,320
Speaker 2: money because you don't know what it is yet. Versus,

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Speaker 2: sit down, get the numbers together, look at look forward

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Speaker 2: on where you want to be in twenty years, how

404
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Speaker 2: much you would need to feel financially independent in your

405
00:20:22,160 --> 00:20:24,719
Speaker 2: investment accounts, and that way you can map out what

406
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Speaker 2: it looks to what does it take to do that?

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Speaker 2: You know, I have maybe fifty thousand dollars in the

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Speaker 2: four to one case combine now I want to maybe

409
00:20:32,080 --> 00:20:34,240
Speaker 2: have a million one point five million. You know in

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Speaker 2: ten fifteen years how much you need to invest over

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Speaker 2: time to do that? Right, which if you can't do

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Speaker 2: that if you don't know your starting point. So you know,

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Speaker 2: everyone assess where you currently are. You know, rip that

414
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Speaker 2: band aid off. If you've been avoiding it, it's okay.

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Speaker 2: You'd be surprised at how much further along you are.

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Speaker 1: Then you think, oh, in one little tidbit, I forgot

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Speaker 1: to mention that I popped into my head. If you're

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Speaker 1: going to pay extra on your mortgage down the line,

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Speaker 1: you don't have to do it all right now. You

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Speaker 1: can do it down the line. I think that's generally smart,

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Speaker 1: because you know, it's generally smart because it could. It

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Speaker 1: could if you do it the right way, pay down

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Speaker 1: your principle a little bit faster. But I will. I

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Speaker 1: do want to note you have to tell your bank

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Speaker 1: to apply it to the principle because, honey, amortization, I

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Speaker 1: hate that word. It always wants to stay stuck in

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Speaker 1: my throat. Amortization is basically how banks structure the payments

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Speaker 1: of your loans, and from the beginning it is like

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Speaker 1: almost all going toward interest, okay, and in your case,

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Speaker 1: probably all going toward interest. So unless you say these

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Speaker 1: extra dollars must pay down the principle, they won't. So

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Speaker 1: if you're going to do that, anyone listening just make

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00:21:36,440 --> 00:21:38,760
Speaker 1: sure that you check that marks on your check that

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00:21:38,960 --> 00:21:41,919
Speaker 1: box on your mortgage payment, and make sure that you

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00:21:42,000 --> 00:21:44,600
Speaker 1: talk to them to be sure it's being applied to

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Speaker 1: the principle. Okay, Manifesting Wealth Babe, I just want to

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Speaker 1: give you more snaps because it's incredible what your progress is.

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Speaker 1: I'm so excited for this new chapter in your journey.

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00:21:54,600 --> 00:21:57,600
Speaker 1: Please keep us posted, all right, And it sounds like

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00:21:57,760 --> 00:21:59,639
Speaker 1: I'm going to buy you a copy of Jamula's book

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Speaker 1: your address, Manifesting Wealth Babe almost send it to you.

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Speaker 1: Your Journey to Financial Freedom by Jamila su Front is

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Speaker 1: available now wherever books are sold in the website your

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Speaker 1: Journey to Financialfreedom dot com. I got it, I get

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Speaker 1: it right, Yeah, yeah yeah, Jamilus is so fun. Thanks

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00:22:16,040 --> 00:22:19,320
Speaker 1: for joining us on the d a q A and

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Speaker 1: we'll see you all next week