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Speaker 1: Hey, ba fan, Mandy here or Mandra you can call

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Speaker 1: me Mandra and that's fine. I have a simple request

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Speaker 1: for you, guys. We get so many questions on how

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Speaker 1: you can support the show, and there's really a very

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Speaker 1: very simple thing that we need you guys to do.

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Speaker 1: Open up this app, open up wherever you're listening to

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Speaker 1: this podcast right now, and subscribe if you have the ability,

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Speaker 1: especially those of you who are on iTunes. We're really

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Speaker 1: making a push to get the show more visible. You've

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Speaker 1: seen that we've partnered with a fabulous new network called

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Speaker 1: Westwood One. But we also need the support of our listeners.

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Speaker 1: So if you are a listener, loyal listener, please subscribe,

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Speaker 1: and if you haven't yet, take a few seconds and

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Speaker 1: leave a five star review, and even a written review

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Speaker 1: would be the icing on the cake. But at least subscribe,

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Speaker 1: leave us a five star review, and continue to support

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Speaker 1: the show. This is so so crucial. It is basically

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Speaker 1: how we tell the Internet that our podcast is worth

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Speaker 1: promoting and featuring and getting charted, and we deserve to

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Speaker 1: be at the top of the charts, just like any

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Speaker 1: other show out there. Can't do it without your support,

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Speaker 1: So thank you very very much. Subscribe, like and review

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Speaker 1: the show, and we thank you so much.

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Speaker 2: Wait, we always die.

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Speaker 1: Hi, somebody's tired.

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Speaker 3: I'm like, hey, hey, hey we're back. We're black, we

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Speaker 3: are brown, and so told that she hit me up

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Speaker 3: like one of our listeners.

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Speaker 2: I don't know if you remember when we had well,

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Speaker 2: of course, I'm sure you remember. We had our dinner,

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Speaker 2: like you know, like our one year anniversary.

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Speaker 1: Yes, yes we did. We got like what did we do?

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Speaker 1: We had maybe ten Brown Ambition listeners meet us in

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Speaker 1: New York.

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Speaker 2: Yeah, but that was someone's fun friend.

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Speaker 1: That food was delicious, yeah, peel peal.

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Speaker 2: Yes. And so one of the young women who came

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Speaker 2: in Zinga, she like hit me on soul. So she

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Speaker 2: was like, girl, you are overworking yourself to the bone.

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Speaker 2: I need you to take one step, two step, three

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Speaker 2: steps back. And so we actually we ended up chatting

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Speaker 2: on the phone. It was just everything and so thanks,

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Speaker 2: shout out to you and sing thank you so much.

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Speaker 2: I needed that. Like she was like, I saw your

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Speaker 2: last video, your last live you look like a walking dead.

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Speaker 2: Basically I was like, wow, I have to go back

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Speaker 2: and look at it. I was like wow, you know,

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Speaker 2: and she's just like, you're doing too bad. So yeah,

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Speaker 2: it was just like kind of like the like the

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Speaker 2: shake up that I needed. So I was like, one

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Speaker 2: more thing I can add, I can add more on

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Speaker 2: no bicky. But yeah, so that's how you can tuse.

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Speaker 2: I was like, wait, what do we open with? But

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Speaker 2: let's get right into the souluce. I heard you had

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Speaker 2: some tay.

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Speaker 1: Some tea. Yeah, well, I mean we spill the tea

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Speaker 1: last week and the response to last week's show, I

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Speaker 1: think it was twofold one. It was the Dave Ramsey

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Speaker 1: read the episode. Oh I said his name? Oh no,

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Speaker 1: he who must not be named the read I and

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Speaker 1: I was just telling Tiffany, you know, we'd kind of

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Speaker 1: steer away from the topic of dr he just it's

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Speaker 1: almost like that thing that we both know. You know,

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Speaker 1: he's trash. Do we really need to say it out loud?

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Speaker 1: We all know. But there's still so many of his

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Speaker 1: fans and I have I had friends that I don't

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Speaker 1: I have friends who are involved with their churches who

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Speaker 1: I didn't know were such Dave Ramsey fanatics. And there

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Speaker 1: are still a lot of people following him who don't

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Speaker 1: know about all of his foolishness. So we talked about

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Speaker 1: last week the Fox News interview where he went on

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Speaker 1: there and put his whole foot in his mouth talking

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Speaker 1: about although he would never say that, in fact, he's

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Speaker 1: doubled down on the statement that he made that of

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Speaker 1: course he has about how if you need a six

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Speaker 1: hundred dollars or fourteen hundred dollars stimulus check, then your

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Speaker 1: life you were basically screwed quote unquote before you know,

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Speaker 1: way before you ever needed the government's handout. And we

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Speaker 1: talked about that last week and since then, I think

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Speaker 1: I had not seen this article, and Tiff, had you've

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Speaker 1: seen this article, the one that came out in the January.

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Speaker 2: Somebody you know heard our podcast and someone actually they

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Speaker 2: sent it to me via DM was like, girl heard you,

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Speaker 2: guys heard you Amandra on Bran Ambition. You need to

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Speaker 2: read this. And I was like, what it was? Go ahead,

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Speaker 2: tell the people about this article.

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Speaker 1: I don't even know where to start. We're going to

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Speaker 1: post a link, but if you if you wanted to

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Speaker 1: send this to the loved one in your life to

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Speaker 1: just help them see the error of their ways or

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Speaker 1: help them see who he really is. This article is

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Speaker 1: from a site called religious news dot Com and not

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Speaker 1: only is the article worth reading, but they actually published

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Speaker 1: the Dave Ramsey pr team's full response to the article,

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Speaker 1: and it was hard. Oh you got to click. There's

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Speaker 1: a link in the article. His team's response will tell

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Speaker 1: you everything you need to know about the Dave Ramsey

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Speaker 1: what is it called, Dave Ramsey Solutions company. It was

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Speaker 1: mind blowingly, it was sarcastic, it was rude, it was disrespectful,

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Speaker 1: and it just reminded me so much of the Trump

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Speaker 1: administration and how they responded to anything that was, you know,

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Speaker 1: short of overt just you know, anything that wasn't a

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Speaker 1: Fox News like love fest. They would respond with bullying

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Speaker 1: and with derision and and attack you know, reporters. And

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Speaker 1: the scathing response from his team was just it was

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Speaker 1: it was beyond the pale. It was insane. But the

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Speaker 1: article itself the reason they were so mad, I mean

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Speaker 1: it it talks about so Dave Ramsey. He you know,

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Speaker 1: Dave Ramsey Solutions. His corporation consists of so much more

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Speaker 1: than just his talk show. He's got you know, Financial

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Speaker 1: Peace University, which that's the that's the financial education like

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Speaker 1: course that he has gotten to be taught in all

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Speaker 1: these churches across the country. Right, it's like a nine

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Speaker 1: week course or something. On top of that, he sells

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Speaker 1: financial products. He has like you know, he has this

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Speaker 1: a team of of of deputized Dave ramsiers and and

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Speaker 1: you know they sell a lot more than just Dave

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Speaker 1: Ramsey the talk show. They really like evangelize his followers

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Speaker 1: and to actually work in Dave Ramsey, as this article says.

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Speaker 1: According to the article, they have to interview your spouse

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Speaker 1: because your spouse has to be of you know, of

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Speaker 1: Christian faith and not just like Christian faith. They actually

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Speaker 1: have a moral code of ethics like at the company,

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Speaker 1: and if they find you stepping a toe out of line,

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Speaker 1: they can just fire you, apparently, and they have yes.

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Speaker 1: So one woman, the story that got me the most

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Speaker 1: was the one woman who she asked for maternity leave

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Speaker 1: benefits under the federal the FMLA, the Federal Medical Leave Act.

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Speaker 1: She asked for her maternity benefits and they said, no,

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Speaker 1: you are not married. And by the way, you're fired

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Speaker 1: because you had pre marital sex. They fired, like that's

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Speaker 1: the thing that they can do. Somehow. They fired her.

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Speaker 1: They fired someone else because his wife posted in a

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Speaker 1: Facebook group that she was concerned because his company, Dave Ramsey,

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Speaker 1: was asking hundreds of employees to get back to work

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Speaker 1: very soon after the pandemic broke out. He was he

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Speaker 1: was right there alongside Trump talking about how it was

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Speaker 1: just gonna be a blip, don't worry, nothing to be

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Speaker 1: concerned about. If you don't come to work, then you're

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Speaker 1: a woos you know, like literally saying those words literally.

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Speaker 1: And what was the thing about the gun? What did

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Speaker 1: he was he waving a gun sound for?

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Speaker 2: Yes? It was so some people created because they're like

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Speaker 2: afraid of him. Some people created secret Twitter accounts to

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Speaker 2: like complain, and he was like offering like people like

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Speaker 2: rewards if you would out whoever had these Twitter accounts

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Speaker 2: complaining about And then he's like, I hate gossips. And

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Speaker 2: I guess at one of their like you know, all

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Speaker 2: all team meetings, and whipped out a gun to to

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Speaker 2: illustrate how much he hates gossips. I'm like, Yo, here's

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Speaker 2: the thing. I don't I don't know why do y'all

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Speaker 2: let people talk to you crazy? You know what I mean?

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Speaker 2: Like that's I don't know. I mean, I guess we've

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Speaker 2: all been there, Lord knows, I've been there. But like

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Speaker 2: This is supposed to be a play place of service

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Speaker 2: and kindness, I would think, but to have people talk

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Speaker 2: to you crazy. I'm not talking about like these people

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Speaker 2: who work there, because I know obviously some people are

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Speaker 2: like I need to feed my family. But I'm saying

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Speaker 2: with taking advice from someone who talks to you crazy

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Speaker 2: when there are other places that you can take advice from.

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Speaker 2: That's what I mean.

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Speaker 1: Yeah, Like I just why choose him? Choose?

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Speaker 2: Yes, why why choose him? Because here's the thing. I'm

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Speaker 2: not saying all his all his advice is not the worst,

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Speaker 2: but there are some advice that's so bad. Like one

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Speaker 2: of his advice is that not to contribute to retirement Mandy,

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Speaker 2: unless you paid off all your debt. What in the

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Speaker 2: terrible losing out including your mortgage?

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Speaker 1: Interesting, Like he's he's very hell bent on you not

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Speaker 1: having a mortgage. Yes, I just.

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Speaker 2: I And you know what, it would be sad. It

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Speaker 2: would be funny if it wasn't sad. Because there was

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Speaker 2: a woman in my comments who was going I posted

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Speaker 2: this thing that debt free doesn't go wealth and that

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Speaker 2: that deafree shouldn't be your focus, that it should be

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Speaker 2: to grow wealth, and then wealth will help with your

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Speaker 2: debt freedom. And she was like in my comments, like, oh,

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Speaker 2: you're wrong. I followed Dave Ramsey method and I finally

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Speaker 2: paid off my house and now I could start setting

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Speaker 2: aside for retirement. And I was like, well, you miss out,

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Speaker 2: you know, if you don't do that. She'said, well, you

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Speaker 2: know at she was like forty seven, fifty years old.

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Speaker 2: My heart sunk for her. I said, wait a minute,

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Speaker 2: you haven't. You haven't said aside for retirement yet, and

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Speaker 2: she said, well, it took me a long time to

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Speaker 2: pay off my house. I was like, honestly, I'm I said,

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Speaker 2: I'm not trying to be disrespectful, but you've lost that

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Speaker 2: on like thirty years of compounding interest toward toward taking

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Speaker 2: care of your older self. You've got fifteen more years

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Speaker 2: to put aside everything you've got toward time. What kind

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Speaker 2: of life is that?

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Speaker 1: I just it was fine for him to file bankruptcy, though,

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Speaker 1: and to step away from his DUTs, to use our

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Speaker 1: legal system in his own favor, as so many Americans do.

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Speaker 1: He uses shame. It's all about shame, and it's about

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Speaker 1: it's an abusive it's very toxic and abusive to kind

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Speaker 1: of to create the sense that you're doing it wrong,

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Speaker 1: you need to do it this way. He himself, as

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Speaker 1: you pointed out last week, that you know, did the

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Speaker 1: same thing. He's a huge, huge hypocrite. And but the

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Speaker 1: thing is, it's the religious element for me. I mean

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Speaker 1: that is his audience, right, I mean he sees himself

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Speaker 1: as this like financial messiah in a way. And I

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Speaker 1: think people who are prone to follow any you know,

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Speaker 1: to follow a religion in general, like you, you have

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Speaker 1: to put your faith into something that And I'm not

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Speaker 1: I personally, I am not incredibly religious. I'm from the South,

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Speaker 1: I've you know, I had my feelings about religion. But

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Speaker 1: in general, you know, any religion across the board, you

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Speaker 1: have to put your faith into higher power and you

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Speaker 1: have to accept certain beliefs and accept certain stories in

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Speaker 1: order to like you have to accept a level of

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Speaker 1: truth about the religion that you're entering it. And they

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Speaker 1: all tell a story. You accept that version of the story.

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Speaker 1: You say, I am this religion. And I think that

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Speaker 1: that type of you know, profile is a little bit

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Speaker 1: they're more willing to, you know, put their faith in

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Speaker 1: like you said, the one person and can you talk

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Speaker 1: about Tiffany because I actually I sat in on one

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Speaker 1: of your many lives that we you know, one of

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Speaker 1: your jillion lives that you do on Insta because you're

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Speaker 1: not busy enough. And I think you reminded me of

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Speaker 1: one of the things that you always say is you're

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Speaker 1: not a fan of gurus, you know, like Dave. So

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Speaker 1: do you want to talk about that a little bit.

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Speaker 2: Yes, I'm not a fan of financial gurus or gurus

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Speaker 2: in general. And now, from what I understand, the actual

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Speaker 2: I'm not sure if gurus a Hindi word, but what

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Speaker 2: it's supposed to mean from my understanding is it's supposed

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Speaker 2: to mean teacher, not messiah. But we in the Western

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Speaker 2: world tend to use guru as like you are the messiah.

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Speaker 2: You are the go to for all things. Here's why

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Speaker 2: I don't like because one person cannot possibly know all

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Speaker 2: aspects of a particular topic. So like, for example, right,

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Speaker 2: so if you think personal finance, you think insurance, estate planning, investing, budgeting, savings, credit.

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Speaker 2: So if you think of all of those things, having

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Speaker 2: someone be an expert in all ten components of something

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Speaker 2: that I call financial hollness. My obligatory push from my book,

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Speaker 2: get good with money available at getgodmney dot com. So

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Speaker 2: but all you can't possibly be the super pro in

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Speaker 2: all those things. I actually encourage people. Don't come to

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Speaker 2: me for everything. You know, Get some of this from me,

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Speaker 2: Get some of this from Nativa, Get some of this

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Speaker 2: from Sandy, some of this from ash Cash, some of

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Speaker 2: this from Earn Your Leisure, some of this from Kevin,

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Speaker 2: some of this from Tila and Courtney, And I encourage

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Speaker 2: that because then when something is incongruent, when you're like

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Speaker 2: hum I heard Tiffany say this, but I feel like

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Speaker 2: Kevin said this, that you can make decisions that are

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Speaker 2: in alignment with you and your goals, you are able

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Speaker 2: to think more critically. I don't want anyone to follow

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Speaker 2: me blindly. You should be questioning me and everyone that

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Speaker 2: you're listening to, because you're supposed to be practicing discernment,

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Speaker 2: especially financial discernment. So that's why I always say I'm

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Speaker 2: not your financial guru, I'm your financial girlfriend. Because when

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Speaker 2: you have a guru, they like for example, dr might

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Speaker 2: be really good at teaching you how to budget and safe.

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Speaker 2: That's great, but he's the same person that's also told

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Speaker 2: you now until you pay off your mortgage, don't set

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Speaker 2: aside for your older self. So when you're eating cat

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Speaker 2: food and he's living high off the heart because that

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Speaker 2: man's business is worth well over four hundred million dollars, right,

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Speaker 2: so he's not gonna come save.

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Speaker 1: You way if you need his saving, then you got

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Speaker 1: something wrong with you, right exactly.

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Speaker 2: So it just goes to show them like if you

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Speaker 2: Because one thing I don't like is that if you

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Speaker 2: ever join one of those groups, the dr groups, if

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Speaker 2: you even say you know, I think if you just

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Speaker 2: like dissent in any way, they attack you. What level

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Speaker 2: of Christianity is that? Well, you can't say, you know,

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Speaker 2: I'm feeling something different. It just is baffling to me.

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Speaker 2: But I don't say I try not to understand it because

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Speaker 2: I'm just like whatever, I'm not here to save everyone.

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Speaker 2: I'm here to help those who you know, would like

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Speaker 2: to like to try something different, and to expose you

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Speaker 2: to other people that have barrier levels of expertise in

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Speaker 2: different topics. That's why I partner so much. But yeah,

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Speaker 2: I don't believe in financial gurus. I believe that you

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Speaker 2: should be looking for a myriad of teachers. If one

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Speaker 2: person had all the answers. Then you would go to

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Speaker 2: college and never switch classes, right like, and you would

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Speaker 2: just have this one professor also teaches psychology, oh and statistics,

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Speaker 2: oh and human you know, human anatomy, oh and your

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Speaker 2: English class. Like that's just not how that works, because

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Speaker 2: you know, the human brain is only capable of so

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Speaker 2: much and so like, I just think that I want

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Speaker 2: you to democratize how you get financial education so you

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Speaker 2: can develop discernment, because one person cannot possibly have all

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Speaker 2: the answers. And if someone shames you and tries to

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Speaker 2: instill fear and blame because you are asking questions, you know,

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Speaker 2: because you don't follow blindly, you know, that should be

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Speaker 2: a real a huge red flag that a human being

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Speaker 2: wants you to follow them blindly, you know, like this

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Speaker 2: is not your parent, you know. And even then, ideally

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Speaker 2: parents should not be looking for their children to follow

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Speaker 2: them blindly, but a random person that's control. If you've

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Speaker 2: had that article, please the Lincoln's in our description of

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Speaker 2: this this podcast, read that article. You are going to

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Speaker 2: be horrified. I actually gave him too much credit. I

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Speaker 2: was like, oh my gosh, I did too.

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Speaker 1: I honestly did. I had respect, you know, there definitely

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Speaker 1: was respect and then respect of a journalist because that's

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Speaker 1: my background. I'm always like, okay, listen, like that's his

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Speaker 1: point of view. You know, I'm gonna have different voices

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Speaker 1: in my articles and talk to other people. And I

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Speaker 1: just kind of put him aside. But I yeah, he

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Speaker 1: truly has infiltrated so deeply any any personal find Anyone

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Speaker 1: who's ever got educated about personal finance will see a

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Speaker 1: Dave Ramsey course or an article, or hear him online

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Speaker 1: or hear him on a podcast. He's just so ubiquitous,

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Speaker 1: you know, so even if they have and the thing is,

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Speaker 1: he is in the way of voices like ours. And

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Speaker 1: that's why, I mean, can we do a little happy

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Speaker 1: dance for your Leisure right now? Have y'all? I feel

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Speaker 1: like probably. I mean I was late to the Earn

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Speaker 1: your Leisure party because you know, I had a baby

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Speaker 1: and I was in a fog for so damn long.

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Speaker 1: And they've only been around for two years. But these

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Speaker 1: are two amazing men, Troy Millings Rashad Bilal and by

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Speaker 1: the way, they're from Greenberg, which is where I live.

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Speaker 2: Side they asked to come on the podcast. I've got

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Speaker 2: to ask you that, yes, why.

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Speaker 1: Are you fine?

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Speaker 2: All right?

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Speaker 1: Anyway, So hopefully they'll be guessed soon.

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Speaker 2: But yeah, let it just happened.

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Speaker 1: But yeah, let me say what I was gonna say.

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Speaker 2: Sorry.

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Speaker 1: Sorry, they slayed the Dave Dragon, y'all. They kicked him

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Speaker 1: out of the top spot on iTunes. Oh like he

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Speaker 1: was stuck there like that piece of like piece of

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Speaker 1: like you know, tape or glue from like the poster

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Speaker 1: you put up in your childhood bedroom that you can

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Speaker 1: never get off the wall. That's where Dave spot at

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Speaker 1: number one on business podcast was. They took him down. Yes,

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Speaker 1: that is fine to me.

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Speaker 2: Yes, but hopefully you'll be hearing. But so if you

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Speaker 2: don't know is yeah, it's an awesome podcast by two

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Speaker 2: black men. And what I love is that they showcase

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Speaker 2: other black and brown folks that you might not ever

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Speaker 2: have heard of prior to them being on their podcast,

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Speaker 2: and it's just there. They have become a force in

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Speaker 2: the financial space. And I love that they're also signing

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Speaker 2: on like they have their own network and they're signing

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Speaker 2: on people to their network, Like my friend ash Cash

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Speaker 2: is on their network. And as a result, that's just

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Speaker 2: like number Vision. He's been on Bron and Bish that's right,

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Speaker 2: So you don't girl, I'm because I talked to ask, like,

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Speaker 2: you know, that's like my brother from not mother. So

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Speaker 2: I like, how many times have we have just chatted?

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Speaker 2: I'm like, what's it on? Brown and bish and chatting?

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Speaker 2: But yeah, And I'm just so impressed with what the

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Speaker 2: guys are doing. And I'm just really glad that there's

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Speaker 2: so many alternatives that and and I love the I

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Speaker 2: don't know if you saw, like obviously some of them,

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Speaker 2: the comments that they were like, thank you so much

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Speaker 2: for like this, that amazing list that we were just

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Speaker 2: kind of spewing out and another person and another person

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Speaker 2: and another person, because I think it's, like I said,

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Speaker 2: it's important that you see that there are so many

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Speaker 2: amazing financial educators and experts out there. You don't have

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Speaker 2: to get yelled at to learn.

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Speaker 1: Yeah, I was Friday night. I decided to just treat

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Speaker 1: myself to like some rest and relaxation. So I lit

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Speaker 1: all the candles, did a nice little bubble bag, got

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Speaker 1: my little Target brand Ebso salt bombs, and you know,

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Speaker 1: it was just relaxing. And I saw that they were

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Speaker 1: live on Instagram, and that was the most fun I've

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Speaker 1: had watching in ig Live. They are to see. They

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Speaker 1: are so fun to watch, but it's also like they

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Speaker 1: their energy is infectious. And who do they have on

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Speaker 1: One of the people on their network who does a

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Speaker 1: show called Social Proof is this name Sean. I forget

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Speaker 1: he was on and the you don't see and I

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Speaker 1: don't take for granted, but like you don't see three

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Speaker 1: black men celebrating like that, I mean every day, you know,

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Speaker 1: and the fact that they are presenting this image that

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Speaker 1: we are black men, we are supporting each other, we

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Speaker 1: are we are growing. And one of my favorite things

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Speaker 1: that they said was the importance of asking for help

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Speaker 1: and how often in black and brown communities you feel

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Speaker 1: like you have to do it all on your own,

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Speaker 1: because I mean you do. You do have to do

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Speaker 1: it all on your own in the beginning, often because

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Speaker 1: people may may not have the knowledge that's easily accessible

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Speaker 1: to you, or you don't have the resources because of

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Speaker 1: all the reasons that are out of your control. But

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Speaker 1: he and the two co hosts for Shot and Troy,

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Speaker 1: you know, they really talk about how with their network

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Speaker 1: they lean into other podcasters and there is space for everyone,

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Speaker 1: you know, and that when they went, we went, I mean,

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Speaker 1: I don't even know them personally, but I feel like

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Speaker 1: I know them. I feel like my cousins have hit

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Speaker 1: the top spot on iTunes. They made me want Brown

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Speaker 1: Ambition up there. I'm like, why are we on the top?

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Speaker 1: I never really think about chart rankings, but I'm like,

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Speaker 1: dang people, so listen. I learned from them that night

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Speaker 1: I didn't. We've always talked about leaving comments and reviews

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Speaker 1: if you guys want to help Brown Ambition, and we

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Speaker 1: have that of listeners every week, thousands and thousands. We

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Speaker 1: only have like thirteen hundred comments and reviews on our podcast.

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Speaker 1: We could really use you guys. You know, we do

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Speaker 1: the show for free for you. We could really use

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Speaker 1: y'all to go to iTunes and not just like and

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00:20:13,800 --> 00:20:18,920
Speaker 1: review our show, but subscribe. Like apparently, subscribing on iTunes

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Speaker 1: is the magic, magical theory dust that is what drives

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Speaker 1: the rankings. And I know a lot of people they

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Speaker 1: don't necessarily subscribe, but just listen. They just listen, And

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Speaker 1: you've got to just click that subscribe button and listen.

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Speaker 1: If it's if it's telling you that you don't have

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Speaker 1: enough data, you know, just delete some photos you don't

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Speaker 1: just you know, just use your cloud storage spiffy. They

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Speaker 1: have all kinds of things to free up space. Now

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Speaker 1: help us out, like we've been in this game for

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Speaker 1: so long, and if that's what we have been missing

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Speaker 1: all along, it's just reminding you all to subscribe, like

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Speaker 1: please do it and then you'll get a reminder every

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Speaker 1: Wednesday when the show is on, which is only you know,

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Speaker 1: we're not gonna spam you. It just means you'll get

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Speaker 1: the show first and you'll find out about it first,

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Speaker 1: and so shout out to earn your leisure for sure,

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Speaker 1: because that was ahu it was.

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Speaker 2: Especially after all that we got there, I was like.

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Speaker 1: Okay, so we need to talk offline because if they

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Speaker 1: want to be on the show, we need to arrange

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Speaker 1: that post taste post taste what else?

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Speaker 2: What else is happening in the world. Oh, I saw

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Speaker 2: that they decided to decline. We won't be getting fifty

431
00:21:26,680 --> 00:21:28,640
Speaker 2: thousand dollars. It looks like it'll be the ten thousand

432
00:21:28,640 --> 00:21:31,000
Speaker 2: forgiveness for a student around dad, I was.

433
00:21:30,960 --> 00:21:36,040
Speaker 1: Like, boo, yeah, so Joe Biden, he had that CNN

434
00:21:36,080 --> 00:21:38,320
Speaker 1: town Hall. Was it the day our show one live? Anyway,

435
00:21:38,359 --> 00:21:41,520
Speaker 1: we had already recorded, but he I was disappointed. My

436
00:21:41,640 --> 00:21:43,960
Speaker 1: husband's kind of like a conservative progressive, I don't know,

437
00:21:44,000 --> 00:21:47,080
Speaker 1: moderate progressive, I guess you would say. And he's he's

438
00:21:47,119 --> 00:21:50,000
Speaker 1: he's on Joe's side. It's an interesting you know, we

439
00:21:50,000 --> 00:21:51,960
Speaker 1: were kind of arguing back and forth. But yeah, Joe

440
00:21:52,080 --> 00:21:56,240
Speaker 1: is like fifty thousand dollars not going to make that happen. Nah,

441
00:21:56,280 --> 00:21:58,760
Speaker 1: maybe ten? Maybe ten? And I wonder what kind of

442
00:21:58,760 --> 00:22:01,560
Speaker 1: strings do we know yet, like how you're supposed to like,

443
00:22:01,760 --> 00:22:03,119
Speaker 1: I know they have to put a bill through, but

444
00:22:03,560 --> 00:22:06,120
Speaker 1: do you need to have a sense of what you'll

445
00:22:06,160 --> 00:22:09,399
Speaker 1: need to like do or have in order to be

446
00:22:09,480 --> 00:22:10,919
Speaker 1: eligible for that forgiveness.

447
00:22:11,520 --> 00:22:14,760
Speaker 2: No, but at least you know what, that's better than

448
00:22:15,080 --> 00:22:17,480
Speaker 2: like nothing. I mean, that's you know, that's a lot

449
00:22:17,520 --> 00:22:21,000
Speaker 2: of money to not have to pay. So no, I

450
00:22:21,040 --> 00:22:23,520
Speaker 2: haven't done into the DT. I just remember just reading

451
00:22:23,640 --> 00:22:25,280
Speaker 2: very quickly that it was I'm going to be the fifty,

452
00:22:25,520 --> 00:22:27,240
Speaker 2: but it looks like it's going to be the ten.

453
00:22:27,320 --> 00:22:28,440
Speaker 2: So I'm like, Okay, that's good.

454
00:22:28,920 --> 00:22:30,720
Speaker 1: That's good. I mean, and it's also a step in

455
00:22:30,760 --> 00:22:33,400
Speaker 1: the right direction. You know, maybe they'll be as long

456
00:22:33,440 --> 00:22:35,399
Speaker 1: as we continue to vote. You guys, these are the

457
00:22:35,440 --> 00:22:37,560
Speaker 1: people in power who are making these decisions. You've got

458
00:22:37,600 --> 00:22:40,080
Speaker 1: to vote and you know, put people in power who

459
00:22:40,160 --> 00:22:42,920
Speaker 1: are more progressive. It's a it's a it's a step

460
00:22:42,920 --> 00:22:44,960
Speaker 1: in the right direction, and it's a yeah, it's a

461
00:22:45,000 --> 00:22:47,119
Speaker 1: big it's a big leap from where we were at

462
00:22:47,119 --> 00:22:50,760
Speaker 1: the beginning of the last recession, when the student loan

463
00:22:50,800 --> 00:22:52,920
Speaker 1: debt crisis really became huge.

464
00:22:53,119 --> 00:22:53,479
Speaker 2: Yeah.

465
00:22:53,760 --> 00:22:57,199
Speaker 1: Yeah, you know, my baby cousin found out that she

466
00:22:57,320 --> 00:23:01,280
Speaker 1: had some student loans she didn't know about really how well.

467
00:23:01,440 --> 00:23:04,240
Speaker 1: She lives with me now and we have financial Fridays

468
00:23:04,280 --> 00:23:09,080
Speaker 1: and we sit down. She's she's my little Uh, she's

469
00:23:09,119 --> 00:23:12,440
Speaker 1: my project. I feel like share and clueless and she's

470
00:23:12,520 --> 00:23:14,760
Speaker 1: my uh what was Britney Murphy? God rest her soul?

471
00:23:14,800 --> 00:23:19,880
Speaker 1: What was her name in that tie tie? Yeah, anyway,

472
00:23:20,119 --> 00:23:23,560
Speaker 1: she's my project. But she's twenty three. I'm putting all

473
00:23:23,600 --> 00:23:25,400
Speaker 1: of her business out here. I'll try to I'll try

474
00:23:25,440 --> 00:23:27,400
Speaker 1: to dial it back and not put it all out there.

475
00:23:27,440 --> 00:23:30,600
Speaker 1: But so she's been she's been staying here and helping

476
00:23:30,640 --> 00:23:33,480
Speaker 1: with the baby, and she had taken a break from

477
00:23:33,520 --> 00:23:35,160
Speaker 1: school and she's just trying to like, you know, she's

478
00:23:35,160 --> 00:23:37,359
Speaker 1: twenty three. She's trying to figure out, you know, do

479
00:23:37,440 --> 00:23:39,000
Speaker 1: I want to do what I've set out to do.

480
00:23:39,160 --> 00:23:41,920
Speaker 1: She's in that existential young twenties kind of space. Also,

481
00:23:41,960 --> 00:23:44,960
Speaker 1: there's a pandemic and she needed a place, I needed help.

482
00:23:45,000 --> 00:23:48,280
Speaker 1: So it all worked out. But I have found through

483
00:23:48,640 --> 00:23:52,119
Speaker 1: talking to her that and this is like a really

484
00:23:52,160 --> 00:23:54,560
Speaker 1: it's just opened me up to like even bigger conversations

485
00:23:54,600 --> 00:23:57,520
Speaker 1: around what can happen in a dynamic of a family

486
00:23:57,680 --> 00:24:00,399
Speaker 1: when you actually have a lot of help from your parent.

487
00:24:00,480 --> 00:24:03,879
Speaker 1: And I don't mean financial help, I mean help doing

488
00:24:03,960 --> 00:24:08,200
Speaker 1: things like like as in a parent does everything for you,

489
00:24:08,200 --> 00:24:10,960
Speaker 1: you know, fills out the forms for college, fills out

490
00:24:10,960 --> 00:24:15,680
Speaker 1: your fast before you, Like she really has not had

491
00:24:15,680 --> 00:24:17,920
Speaker 1: to do any of that herself, and therefore she knew

492
00:24:17,960 --> 00:24:20,960
Speaker 1: nothing about how it all worked. And on top of that,

493
00:24:21,400 --> 00:24:23,720
Speaker 1: you know, when you have a parent who's paid for

494
00:24:23,760 --> 00:24:26,800
Speaker 1: your car, paid for your rent even though she worked,

495
00:24:26,960 --> 00:24:29,080
Speaker 1: you know, I always checked him with Anna, she's always working.

496
00:24:29,440 --> 00:24:32,399
Speaker 1: She wasn't doing those things like checking her credit you know,

497
00:24:32,440 --> 00:24:35,560
Speaker 1: we're getting a credit check for an apartment, or you know,

498
00:24:35,640 --> 00:24:38,840
Speaker 1: dealing with going to an auto an auto dealer and

499
00:24:39,119 --> 00:24:41,680
Speaker 1: negotiating a car price, Like she wasn't involved in those

500
00:24:41,960 --> 00:24:47,159
Speaker 1: situations and I'm starting to understand, like the real detriment

501
00:24:47,800 --> 00:24:50,760
Speaker 1: when you have a when you have parents who are

502
00:24:50,800 --> 00:24:54,800
Speaker 1: way too involved, Like the bumpers are always on, you know,

503
00:24:55,200 --> 00:24:57,000
Speaker 1: is that what they could their kids always on?

504
00:24:57,119 --> 00:24:59,480
Speaker 2: Yes, because you do have to. Let you know, you

505
00:24:59,560 --> 00:25:02,359
Speaker 2: have to le kids learn, and you learn through falling

506
00:25:02,400 --> 00:25:05,560
Speaker 2: and failing, and that's okay, Honestly, the younger the better,

507
00:25:06,280 --> 00:25:09,120
Speaker 2: Like I'd rather have you know, you be twenty two

508
00:25:09,119 --> 00:25:12,520
Speaker 2: with a terrible credit score and learn the lesson then

509
00:25:12,760 --> 00:25:16,119
Speaker 2: than forty two when you lose your job because your

510
00:25:16,119 --> 00:25:18,439
Speaker 2: credit score is terrible and you're like, wait what ye

511
00:25:18,720 --> 00:25:22,320
Speaker 2: so yeah, no's I'm glad. I love that you guys

512
00:25:22,359 --> 00:25:26,320
Speaker 2: have financial Fridays and talk about it because that's super important.

513
00:25:26,320 --> 00:25:28,199
Speaker 2: That's something that's going to change in the directory of

514
00:25:28,240 --> 00:25:29,880
Speaker 2: her life, you know, keeping on track with that.

515
00:25:30,200 --> 00:25:32,840
Speaker 1: And no shade to my uncle, because I think it's

516
00:25:33,119 --> 00:25:36,080
Speaker 1: the best intentions. You love your child, and as like,

517
00:25:36,160 --> 00:25:39,200
Speaker 1: he's my dad's brother and they did not come for money.

518
00:25:39,280 --> 00:25:40,720
Speaker 1: Let me tell you, they did not come for money.

519
00:25:40,800 --> 00:25:43,240
Speaker 1: And my grandfather was not in the picture. My grandmother

520
00:25:43,320 --> 00:25:45,600
Speaker 1: died way younger than she should have, like so many

521
00:25:45,880 --> 00:25:49,280
Speaker 1: young black women in this country, sadly. So you know,

522
00:25:49,800 --> 00:25:52,439
Speaker 1: I could see from his perspective, and I'm so empathetic

523
00:25:52,480 --> 00:25:55,280
Speaker 1: because for him, it's about I'm going to help her succeed.

524
00:25:55,320 --> 00:25:56,880
Speaker 1: I'm going to be her, be there for her. I'm

525
00:25:56,880 --> 00:25:58,600
Speaker 1: going to help set her on the right path, you know,

526
00:25:58,680 --> 00:26:01,119
Speaker 1: have the things that I didn't have. But it's almost

527
00:26:01,160 --> 00:26:03,840
Speaker 1: like an over correction in a way. And I'm as

528
00:26:04,000 --> 00:26:05,920
Speaker 1: a mom, I am just absorbing all of this, and

529
00:26:05,960 --> 00:26:08,720
Speaker 1: I'm like, Okay, okay, let's especially because of the space

530
00:26:08,760 --> 00:26:10,440
Speaker 1: we're in, it's going to be hard to watch. It's

531
00:26:10,440 --> 00:26:13,000
Speaker 1: gonna be really hard to watch my kid, to watch

532
00:26:13,119 --> 00:26:15,159
Speaker 1: Rio grow up and maybe make some bad choices, but

533
00:26:15,280 --> 00:26:18,280
Speaker 1: I'm really seeing the what can happen on the other side.

534
00:26:18,320 --> 00:26:20,600
Speaker 1: So yes, so Anna, we sat down and we ran

535
00:26:20,640 --> 00:26:23,520
Speaker 1: her credit picked. We went to discover scorecard. I love

536
00:26:23,600 --> 00:26:25,680
Speaker 1: that site. It's free. It's a free way to get

537
00:26:25,680 --> 00:26:28,760
Speaker 1: your fighto. And yeah, looking at her credit report, she's like, oh, damn,

538
00:26:28,920 --> 00:26:31,679
Speaker 1: I have a couple of student loans that my dad

539
00:26:31,960 --> 00:26:33,600
Speaker 1: took out for my tuition. But I didn't know that

540
00:26:33,640 --> 00:26:36,520
Speaker 1: he took them out and he wasn't doing it. It was

541
00:26:36,600 --> 00:26:39,960
Speaker 1: not nefarious, but she didn't know you know, and maybe

542
00:26:40,440 --> 00:26:43,280
Speaker 1: you should, like everyone should know, you know, about their

543
00:26:43,560 --> 00:26:46,000
Speaker 1: financial picture and that little bit of knowledge. I'm starting

544
00:26:46,000 --> 00:26:48,440
Speaker 1: to see her get more empowered. And so that's what's

545
00:26:48,440 --> 00:26:50,639
Speaker 1: been on my mind lately, Like how can I My

546
00:26:50,680 --> 00:26:53,359
Speaker 1: therapist is like, Mandy, you better back off, like you

547
00:26:53,359 --> 00:26:55,119
Speaker 1: don't need to, like you don't need to be that

548
00:26:55,200 --> 00:26:57,480
Speaker 1: much involved unless she really wants you to. I'm trying

549
00:26:57,480 --> 00:26:59,520
Speaker 1: to like toe that line, you know, like like you said,

550
00:26:59,560 --> 00:27:03,159
Speaker 1: your financial girlfriend, your financial friend. You know, we're cousins,

551
00:27:03,200 --> 00:27:05,359
Speaker 1: we're very close. But I'm not trying to do it.

552
00:27:05,440 --> 00:27:06,880
Speaker 1: I don't want to make the same mistake. I don't

553
00:27:06,880 --> 00:27:08,639
Speaker 1: want to try to do everything for her. But I

554
00:27:08,640 --> 00:27:11,800
Speaker 1: am trying to like just empower her with some basic knowledge,

555
00:27:11,840 --> 00:27:12,000
Speaker 1: you know.

556
00:27:12,560 --> 00:27:14,520
Speaker 2: No, and that's good because she's still really young. Honest, See,

557
00:27:14,520 --> 00:27:16,439
Speaker 2: this is such a formative time. So I don't think

558
00:27:16,440 --> 00:27:18,920
Speaker 2: there's anything wrong when with like leaning in as long

559
00:27:18,920 --> 00:27:21,440
Speaker 2: as you respecting her boundaries and you know, so which

560
00:27:21,480 --> 00:27:24,840
Speaker 2: sounds like she's like, oh wow, thanks, So as long

561
00:27:24,880 --> 00:27:26,320
Speaker 2: as that's the sentiment.

562
00:27:27,440 --> 00:27:29,920
Speaker 1: Girl, you know, I respect a boundary.

563
00:27:30,280 --> 00:27:32,720
Speaker 2: I was scrolling through either there's something this is like

564
00:27:33,080 --> 00:27:35,720
Speaker 2: random mess, not mess, but what do you think about

565
00:27:35,720 --> 00:27:37,879
Speaker 2: this many? So I was just going through Instagram, and

566
00:27:38,160 --> 00:27:40,879
Speaker 2: I always see this, like you could pick my brain

567
00:27:41,000 --> 00:27:42,520
Speaker 2: once the invoice is paid.

568
00:27:43,240 --> 00:27:46,240
Speaker 1: I just say a lot too, we must, Yes, I'm like, what.

569
00:27:46,240 --> 00:27:50,040
Speaker 2: Do you think about that? Like what? What? Yeah? What

570
00:27:50,119 --> 00:27:51,920
Speaker 2: do you think like when? Because so just how you

571
00:27:51,960 --> 00:27:54,160
Speaker 2: guys don't know what I'm talking about, especially if you're

572
00:27:55,440 --> 00:27:57,560
Speaker 2: there's a big there's like a movement I guess if

573
00:27:57,600 --> 00:28:00,480
Speaker 2: you will, where people are like you stop teking people

574
00:28:00,480 --> 00:28:06,240
Speaker 2: to pick their brain. It's disrespectful, it's entitled. It's rude

575
00:28:07,000 --> 00:28:08,640
Speaker 2: that you know, people have spent a lot of time

576
00:28:08,680 --> 00:28:11,119
Speaker 2: and energy on like whatever their craft or whatever it is,

577
00:28:11,200 --> 00:28:15,080
Speaker 2: and you shouldn't ask anyone for free information basically. And

578
00:28:15,119 --> 00:28:17,480
Speaker 2: I see it a lot that you know, and so

579
00:28:17,600 --> 00:28:20,520
Speaker 2: I have like mixed feelings about how I feel about

580
00:28:20,560 --> 00:28:22,280
Speaker 2: that sentiment. So I just wanted because when I saw that,

581
00:28:22,320 --> 00:28:23,879
Speaker 2: I was like, let's see what does Mandy think about

582
00:28:23,920 --> 00:28:27,120
Speaker 2: Like when people quote unquote want to pick your brain,

583
00:28:27,200 --> 00:28:28,840
Speaker 2: do you feel like you're like get out of here,

584
00:28:29,080 --> 00:28:30,520
Speaker 2: like I'm not telling you nothing.

585
00:28:30,320 --> 00:28:32,679
Speaker 1: I'm not gonna lie. Maybe at a certain age, at

586
00:28:32,680 --> 00:28:34,320
Speaker 1: a step in my career, it might have been but

587
00:28:34,359 --> 00:28:37,560
Speaker 1: that would have been purely born out of insecurity and

588
00:28:37,680 --> 00:28:41,480
Speaker 1: also fear. And also you know, it's if we're really

589
00:28:41,520 --> 00:28:45,120
Speaker 1: serious about creating more inclusion at all levels, you know,

590
00:28:45,640 --> 00:28:48,960
Speaker 1: generational wealth, building, generational wealth and black and brown households,

591
00:28:49,360 --> 00:28:51,640
Speaker 1: giving people access to power and knowledge. And for me,

592
00:28:51,760 --> 00:28:54,560
Speaker 1: I'm really passionate about, you know, talking to people about

593
00:28:54,560 --> 00:28:57,520
Speaker 1: their career and how to navigate their careers and and

594
00:28:58,080 --> 00:29:00,800
Speaker 1: you know, move through the quote unquote corporate world or whatever.

595
00:29:01,320 --> 00:29:04,360
Speaker 1: If we're really serious about that, we have to acknowledge

596
00:29:04,360 --> 00:29:06,240
Speaker 1: that the way that it's been done, which it has

597
00:29:06,320 --> 00:29:08,920
Speaker 1: been very closed off to us in terms of knowledge,

598
00:29:08,960 --> 00:29:11,720
Speaker 1: how do things get done? How do you become you know,

599
00:29:11,800 --> 00:29:15,880
Speaker 1: an executive or get to a board seat? How you know,

600
00:29:15,920 --> 00:29:18,640
Speaker 1: how does this happen? That information has been held back

601
00:29:18,640 --> 00:29:22,560
Speaker 1: from us once I almost feel like, once you gain knowledge,

602
00:29:23,200 --> 00:29:25,800
Speaker 1: in order to really break the system, we need to

603
00:29:25,840 --> 00:29:28,479
Speaker 1: stop playing by their games once we get there. So

604
00:29:28,800 --> 00:29:30,640
Speaker 1: my whole thing is, once I get in a room

605
00:29:30,680 --> 00:29:33,640
Speaker 1: and I gain knowledge, I wish people would ask me like,

606
00:29:33,800 --> 00:29:35,760
Speaker 1: what do you know? Because I would be willing to

607
00:29:35,840 --> 00:29:38,080
Speaker 1: share it. And I think you know why I said,

608
00:29:38,120 --> 00:29:41,160
Speaker 1: fear and insecurity might have held me back in the past.

609
00:29:41,320 --> 00:29:43,800
Speaker 1: Is when you're the only one, you might be a

610
00:29:43,840 --> 00:29:46,360
Speaker 1: little scared. It's like it's this and they want you

611
00:29:46,400 --> 00:29:48,240
Speaker 1: to feel this way too. I think they being like,

612
00:29:48,400 --> 00:29:51,320
Speaker 1: you know, the system, it's better for them if we're

613
00:29:51,320 --> 00:29:53,720
Speaker 1: not talking and sharing information, right, That's why they didn't

614
00:29:53,720 --> 00:29:56,000
Speaker 1: teach slaves how to read. Access to knowledge is the

615
00:29:56,080 --> 00:29:59,920
Speaker 1: key to equality. And yet I just I feel person

616
00:30:00,320 --> 00:30:02,920
Speaker 1: that in my space. If you ever want to pick

617
00:30:02,920 --> 00:30:05,480
Speaker 1: my brain, it's pickable. I respond to all of our

618
00:30:05,560 --> 00:30:07,240
Speaker 1: dms for a reason. I want people to know that

619
00:30:07,280 --> 00:30:10,440
Speaker 1: we're accessible and that we can answer questions, and we

620
00:30:10,480 --> 00:30:13,800
Speaker 1: take questions on this show, we do brown ambition, like

621
00:30:13,840 --> 00:30:18,000
Speaker 1: of course we love sharing what we know. But so

622
00:30:18,160 --> 00:30:21,239
Speaker 1: I think that sentiment I don't agree with it. I

623
00:30:21,280 --> 00:30:25,280
Speaker 1: think if you get to a certain level, it's your duty,

624
00:30:25,680 --> 00:30:28,040
Speaker 1: it's your responsibility, especially if you're a person of color.

625
00:30:28,080 --> 00:30:30,240
Speaker 1: It's an additional little piece of pressure that I think

626
00:30:30,240 --> 00:30:32,760
Speaker 1: we carry to turn around and try to help someone else.

627
00:30:34,240 --> 00:30:38,040
Speaker 2: I agree. Now here's the thing. I do think that

628
00:30:38,400 --> 00:30:40,400
Speaker 2: the reason why maybe this has come up is because

629
00:30:40,400 --> 00:30:42,200
Speaker 2: there are some people who kind of do take advantage,

630
00:30:42,200 --> 00:30:43,680
Speaker 2: like you know, you help them want kind of keep

631
00:30:43,720 --> 00:30:45,440
Speaker 2: coming back and back and go. I've definitely had that

632
00:30:45,520 --> 00:30:47,640
Speaker 2: where you know, someone will reach out to me and

633
00:30:47,680 --> 00:30:50,080
Speaker 2: I'm like, oh sure, and then this is the second

634
00:30:50,080 --> 00:30:52,280
Speaker 2: call and the third call. I remember actually was it

635
00:30:52,360 --> 00:30:57,440
Speaker 2: last year? It was really kind of crazy. So someone

636
00:30:57,640 --> 00:31:02,240
Speaker 2: did a joint intro. I feel like making an introduction

637
00:31:02,400 --> 00:31:06,640
Speaker 2: to someone for you to help them without giving some

638
00:31:06,720 --> 00:31:09,400
Speaker 2: of the other person a heads up. I don't like, right,

639
00:31:09,480 --> 00:31:11,800
Speaker 2: that's like me being like, oh, hey, Mandy, this is

640
00:31:11,840 --> 00:31:16,680
Speaker 2: my friend Tyra. Tyra needs some things, so you guys connect, okay,

641
00:31:16,920 --> 00:31:19,000
Speaker 2: And meanwhile, I have your number? Why not? Why not

642
00:31:19,080 --> 00:31:21,760
Speaker 2: say hey, Mandy? Is that okay? It's like when you

643
00:31:21,800 --> 00:31:23,200
Speaker 2: were a kid and used to bring your friend to

644
00:31:23,240 --> 00:31:24,960
Speaker 2: the car and be like can you drive? Can you?

645
00:31:25,000 --> 00:31:28,160
Speaker 2: Can you drive Mandy home? Like look at me, like

646
00:31:28,240 --> 00:31:29,240
Speaker 2: if you don't step away.

647
00:31:29,040 --> 00:31:29,560
Speaker 1: From our car?

648
00:31:30,360 --> 00:31:32,880
Speaker 2: Yeah, because now she has to say no in front

649
00:31:32,920 --> 00:31:33,760
Speaker 2: of the kid.

650
00:31:33,840 --> 00:31:36,080
Speaker 1: I really felt that. I really felt that analogy.

651
00:31:38,040 --> 00:31:40,720
Speaker 2: Right, It's like all awkward, but I give the person

652
00:31:40,800 --> 00:31:44,120
Speaker 2: the chance to prequalify. So anyway, that happened to me

653
00:31:44,240 --> 00:31:47,720
Speaker 2: last year someone did this connection with this with no

654
00:31:47,880 --> 00:31:51,440
Speaker 2: woman and I was like, okay, awkward, but hey, no problem.

655
00:31:51,560 --> 00:31:53,160
Speaker 2: So I ended up getting on the phone with the woman,

656
00:31:53,280 --> 00:31:54,920
Speaker 2: and you know, I poured into her for like an

657
00:31:54,920 --> 00:31:56,520
Speaker 2: hour and a half and this is what I do

658
00:31:56,560 --> 00:31:59,520
Speaker 2: and this and this and that, and then she like

659
00:32:00,080 --> 00:32:01,800
Speaker 2: roll back to get back on my calendar again for

660
00:32:01,880 --> 00:32:03,320
Speaker 2: like the next week and the next week, and I

661
00:32:03,360 --> 00:32:07,880
Speaker 2: was like, whoa, whoa, whoa, whoa, I'm not available for

662
00:32:08,160 --> 00:32:10,520
Speaker 2: like what we I can't do a weekly to our call.

663
00:32:11,360 --> 00:32:16,720
Speaker 2: And she was upset by it and expressed it and

664
00:32:16,720 --> 00:32:19,920
Speaker 2: it was like basically upset that I wouldn't give her

665
00:32:19,960 --> 00:32:22,440
Speaker 2: any additional time, like if it had been like saying

666
00:32:22,440 --> 00:32:25,040
Speaker 2: like a few months from now, sure, but she thought

667
00:32:25,320 --> 00:32:27,840
Speaker 2: that I was just going to be there for her

668
00:32:27,880 --> 00:32:29,760
Speaker 2: every week. I just met her through this other person.

669
00:32:30,360 --> 00:32:32,680
Speaker 2: And then she also had made the assumption that we

670
00:32:32,680 --> 00:32:34,320
Speaker 2: were going to do business together. She's like, oh, I

671
00:32:34,320 --> 00:32:37,320
Speaker 2: can't wait to do this project with you. I'm like, uh,

672
00:32:37,360 --> 00:32:39,640
Speaker 2: I never agreed to that, So it was really awkward.

673
00:32:39,680 --> 00:32:43,000
Speaker 2: I actually had to write the other person because she

674
00:32:43,040 --> 00:32:44,920
Speaker 2: got nasty. So I had to write the other person

675
00:32:45,000 --> 00:32:48,280
Speaker 2: and say, Hey, so that person you introduced me to,

676
00:32:49,920 --> 00:32:52,640
Speaker 2: this is what happened, and just moving forward, if you

677
00:32:52,800 --> 00:32:55,960
Speaker 2: do ever want to connect me with someone please ask

678
00:32:56,120 --> 00:33:00,200
Speaker 2: before giving out my personal information, because it really her

679
00:33:00,280 --> 00:33:02,080
Speaker 2: nasty and she was I think we actually ended up

680
00:33:02,120 --> 00:33:04,360
Speaker 2: jumping on the phone, and she was so embarrassed, like

681
00:33:04,360 --> 00:33:07,000
Speaker 2: I'm so sorry, girl. I didn't know it was like

682
00:33:07,440 --> 00:33:09,800
Speaker 2: she was like what, I just thought you guys would

683
00:33:09,800 --> 00:33:11,800
Speaker 2: have a conversation. I didn't know it was gonna like

684
00:33:12,000 --> 00:33:15,080
Speaker 2: turn into this. So I think that type of sentiment

685
00:33:15,200 --> 00:33:18,640
Speaker 2: is born from those types of interactions, and as a result,

686
00:33:18,640 --> 00:33:21,040
Speaker 2: people have a blanket. I ain't helping nobody.

687
00:33:21,160 --> 00:33:23,400
Speaker 1: And she made it a lot harder for people who

688
00:33:23,440 --> 00:33:26,840
Speaker 1: have good who would have more respect for boundaries exactly.

689
00:33:27,320 --> 00:33:29,680
Speaker 2: So, I honestly believe in so many people have poured

690
00:33:29,680 --> 00:33:32,920
Speaker 2: into me so many so I believe in like pouring

691
00:33:33,000 --> 00:33:37,320
Speaker 2: into folks, especially women, especially Black women. But I don't

692
00:33:37,360 --> 00:33:40,120
Speaker 2: always have the capacity or time, you know, to jump

693
00:33:40,120 --> 00:33:42,040
Speaker 2: on a call. Like if I do, then I make it,

694
00:33:42,080 --> 00:33:43,440
Speaker 2: and if I don't, then I'm honest and I'm like,

695
00:33:43,440 --> 00:33:45,400
Speaker 2: you know, today's it's a really crazy week. I don't know.

696
00:33:45,880 --> 00:33:49,280
Speaker 2: But yeah, whenever I see that, it just seems so

697
00:33:49,400 --> 00:33:51,920
Speaker 2: off putting because I always think to myself whenever I

698
00:33:51,920 --> 00:33:54,280
Speaker 2: see those posts, like you know, you can't pick my

699
00:33:54,320 --> 00:33:56,480
Speaker 2: brain until you pay my invoice. I'm like, I'm sure

700
00:33:56,480 --> 00:33:57,880
Speaker 2: that there was a brain that you picked that you

701
00:33:58,040 --> 00:34:01,320
Speaker 2: an in which was not paid. You know that. I

702
00:34:01,400 --> 00:34:04,600
Speaker 2: believe that when you're blessed, it's blessings are supposed to

703
00:34:04,840 --> 00:34:08,520
Speaker 2: flow not just to you but through you, and in

704
00:34:08,560 --> 00:34:10,400
Speaker 2: not doing so, you actually miss out because there are

705
00:34:10,400 --> 00:34:13,400
Speaker 2: people who are poured into who ended up just like

706
00:34:13,480 --> 00:34:16,600
Speaker 2: giving me life like a year, two years, five years later,

707
00:34:17,320 --> 00:34:20,120
Speaker 2: you know, so many of my biggest opportunities were like, yeah, girl,

708
00:34:20,160 --> 00:34:22,399
Speaker 2: you don't remember me from three years ago. You helped

709
00:34:22,440 --> 00:34:24,200
Speaker 2: me out. And so now that I'm at own network,

710
00:34:24,239 --> 00:34:26,000
Speaker 2: they were looking for someone I told them you. That

711
00:34:26,120 --> 00:34:28,200
Speaker 2: was literally a conversation I had like a few weeks ago.

712
00:34:28,560 --> 00:34:31,719
Speaker 2: I was like, wait, what so And that's not the

713
00:34:31,760 --> 00:34:34,759
Speaker 2: reason to do it, you know, but I will just

714
00:34:34,760 --> 00:34:36,680
Speaker 2: say that you reap. My mother would always say that

715
00:34:36,680 --> 00:34:39,560
Speaker 2: you reap what you sew. You don't always rewhere you So,

716
00:34:39,560 --> 00:34:41,439
Speaker 2: so just keeping in mind that I get it that

717
00:34:41,800 --> 00:34:43,799
Speaker 2: there's there are definitely people who walk around with a

718
00:34:43,840 --> 00:34:47,520
Speaker 2: sense of entitlement, but that shouldn't keep you from from

719
00:34:47,600 --> 00:34:51,120
Speaker 2: from pouring into folks who you know, you really think

720
00:34:51,120 --> 00:34:52,920
Speaker 2: it's gonna it's gonna do something really good with the

721
00:34:52,920 --> 00:34:55,080
Speaker 2: information that you give them, because at some point you're

722
00:34:55,120 --> 00:34:57,399
Speaker 2: gonna need help as well, and so you have.

723
00:34:57,360 --> 00:35:01,960
Speaker 1: To exactly be And a really good final example is

724
00:35:02,000 --> 00:35:05,440
Speaker 1: Sharon Eperson from CNBC. So she was one of the

725
00:35:05,480 --> 00:35:08,000
Speaker 1: only black women other than like Michelle Singletary at the

726
00:35:08,000 --> 00:35:10,640
Speaker 1: Wall Street Journal, black women with a big platform in

727
00:35:10,719 --> 00:35:12,799
Speaker 1: financial news. And when I was a reporter years ago

728
00:35:12,800 --> 00:35:15,640
Speaker 1: at Yahoo Finance and Business Insider, I always looked up

729
00:35:15,680 --> 00:35:18,200
Speaker 1: to Sharon. I was always following her and trying to

730
00:35:18,200 --> 00:35:20,400
Speaker 1: see what she was writing about, and you know, and

731
00:35:20,960 --> 00:35:22,799
Speaker 1: I went to the same event as her, and I

732
00:35:22,840 --> 00:35:24,400
Speaker 1: was a reporter, so several years ago, I went to

733
00:35:24,400 --> 00:35:25,800
Speaker 1: the same event, I think it was at the United

734
00:35:25,880 --> 00:35:28,520
Speaker 1: Nations and I saw Sharon and she had an assistant.

735
00:35:28,520 --> 00:35:30,759
Speaker 1: She was like badass and everything. And I went up

736
00:35:30,800 --> 00:35:34,000
Speaker 1: to her and introduced myself and she very you know, politely,

737
00:35:34,120 --> 00:35:36,520
Speaker 1: but basically brushed me off, like I don't have time

738
00:35:36,560 --> 00:35:38,080
Speaker 1: to really talk to you, but definitely send me an

739
00:35:38,120 --> 00:35:39,680
Speaker 1: email and we can catch up. I think I was

740
00:35:39,760 --> 00:35:41,640
Speaker 1: talking on just telling her about me and that I'd

741
00:35:41,640 --> 00:35:44,720
Speaker 1: love to chat with her sometime. And I did email

742
00:35:44,760 --> 00:35:46,400
Speaker 1: her and I asked her to be on the podcast

743
00:35:46,480 --> 00:35:48,959
Speaker 1: and didn't hear back. Maybe I got like a couple

744
00:35:49,040 --> 00:35:51,680
Speaker 1: one email but didn't get any follow up, and you know,

745
00:35:51,719 --> 00:35:54,239
Speaker 1: I just let it go because she's a busy, busy woman.

746
00:35:54,239 --> 00:35:56,680
Speaker 1: I didn't think anything of it. And a year later

747
00:35:57,000 --> 00:35:59,600
Speaker 1: I remembered, I was like, let me follow up with

748
00:35:59,640 --> 00:36:01,680
Speaker 1: Sharon and see what's going on with her now and

749
00:36:01,719 --> 00:36:04,520
Speaker 1: just reintroduce myself. Turns out Sharon ha had a brain

750
00:36:04,560 --> 00:36:07,919
Speaker 1: aneurysm and was in the hospital for several months and

751
00:36:07,960 --> 00:36:10,440
Speaker 1: we ended up having a great conversation, we had her

752
00:36:10,480 --> 00:36:13,480
Speaker 1: on the podcast, and now she is a great friend

753
00:36:13,480 --> 00:36:17,000
Speaker 1: and mentor of mine. And that was a yes. So

754
00:36:17,080 --> 00:36:20,320
Speaker 1: that was an example of just because you don't immediately

755
00:36:20,320 --> 00:36:22,919
Speaker 1: get to sit down with someone, it doesn't mean that

756
00:36:23,120 --> 00:36:25,959
Speaker 1: it's it's because they don't think that you're worth their time.

757
00:36:26,080 --> 00:36:28,239
Speaker 1: I mean everyone is just a person. Like at the

758
00:36:28,320 --> 00:36:29,160
Speaker 1: end of the day, you know.

759
00:36:29,200 --> 00:36:32,680
Speaker 2: You have to wow, you don't know. That's the thing too,

760
00:36:32,920 --> 00:36:36,719
Speaker 2: is that if you, for whatever reason do reach out

761
00:36:36,760 --> 00:36:40,880
Speaker 2: to someone and they don't say yes or whatever, you

762
00:36:40,920 --> 00:36:44,640
Speaker 2: don't know why. You know, like sometimes people are going

763
00:36:44,680 --> 00:36:47,440
Speaker 2: through a lot. Mean, yeah, people you know, like how

764
00:36:47,440 --> 00:36:50,120
Speaker 2: can anything to do with you? Exactly. Like there was

765
00:36:50,160 --> 00:36:51,719
Speaker 2: a woman who hit me the other day. She was

766
00:36:52,480 --> 00:36:54,759
Speaker 2: she wanted me to speak at some conference but it

767
00:36:54,800 --> 00:36:55,759
Speaker 2: was in person, and I was.

768
00:36:55,800 --> 00:36:58,520
Speaker 1: Like during convert uh.

769
00:36:58,680 --> 00:37:00,560
Speaker 2: But I couldn't do it anyway because it's literally like

770
00:37:00,560 --> 00:37:03,080
Speaker 2: the day before my book launch. And so my admin

771
00:37:03,120 --> 00:37:05,319
Speaker 2: wrote a really nice emails like thank you so much,

772
00:37:05,400 --> 00:37:08,040
Speaker 2: thank you so much for thinking of tivity. Unfortunately she's

773
00:37:08,040 --> 00:37:10,160
Speaker 2: not able to participate, but wishes you the best. It

774
00:37:10,160 --> 00:37:11,719
Speaker 2: was a really nice you know, we have like a

775
00:37:11,719 --> 00:37:13,759
Speaker 2: form email, but it was it's always really nice, like

776
00:37:13,760 --> 00:37:16,360
Speaker 2: because I'm always grateful when people reach out. So we

777
00:37:16,520 --> 00:37:18,399
Speaker 2: reached out to say, hey, there may be some sort

778
00:37:18,400 --> 00:37:21,920
Speaker 2: of opening, and this lady wrote back, I'm good because

779
00:37:21,960 --> 00:37:24,640
Speaker 2: you're a short email. Maybe one day when I get famous,

780
00:37:24,680 --> 00:37:27,600
Speaker 2: that's when Tiffany will will want to participate. I was like,

781
00:37:27,640 --> 00:37:29,759
Speaker 2: I had to literally go back to the email. I thought,

782
00:37:29,760 --> 00:37:32,520
Speaker 2: oh my goodness, what do we say because maybe maybe

783
00:37:32,520 --> 00:37:34,040
Speaker 2: it was like na girl, you know what I mean,

784
00:37:34,120 --> 00:37:36,879
Speaker 2: Like because I have a new executive admin, I thought

785
00:37:36,880 --> 00:37:39,359
Speaker 2: maybe there was a misstep, and I went back to

786
00:37:39,360 --> 00:37:40,640
Speaker 2: read the email. I had to read the email like

787
00:37:40,680 --> 00:37:43,960
Speaker 2: three times, like in the chain like this email. This

788
00:37:44,040 --> 00:37:46,400
Speaker 2: email was shun It was like four sentences of gushing

789
00:37:46,440 --> 00:37:48,560
Speaker 2: but thank you and we wish you the best on

790
00:37:48,600 --> 00:37:51,439
Speaker 2: your event. It looks really great. She wasn't mad about

791
00:37:51,440 --> 00:37:53,719
Speaker 2: the email. She was mad because I didn't do what

792
00:37:53,800 --> 00:37:56,120
Speaker 2: she wanted when she wanted me to do it, and

793
00:37:56,200 --> 00:38:01,040
Speaker 2: so that kind of reaction just and I can't understand

794
00:38:01,040 --> 00:38:04,239
Speaker 2: the disappointment. But you're an adult, like Roman, when I

795
00:38:04,239 --> 00:38:06,960
Speaker 2: tell him no cookies, I know why he throws a temperatanentrum.

796
00:38:07,040 --> 00:38:10,359
Speaker 2: He's five, But throwing a tempertanentrum when you're an adult,

797
00:38:10,440 --> 00:38:14,000
Speaker 2: when someone doesn't give you agency over their time and

798
00:38:14,200 --> 00:38:18,160
Speaker 2: energy or money or whatever, you know, you know, it's

799
00:38:18,760 --> 00:38:21,319
Speaker 2: just it's not appropriate. And what you do do is

800
00:38:21,320 --> 00:38:23,480
Speaker 2: that you guarantee that they will never work with you,

801
00:38:23,480 --> 00:38:25,319
Speaker 2: you know. And she made oh there's something else, so

802
00:38:25,360 --> 00:38:27,200
Speaker 2: she said that. I thought it was super petty. I

803
00:38:27,280 --> 00:38:29,560
Speaker 2: told all my family and friends, how you get down?

804
00:38:29,640 --> 00:38:35,240
Speaker 1: I was like, mad, all of that, You're done, Tiffany,

805
00:38:35,440 --> 00:38:37,600
Speaker 1: there you go now, And.

806
00:38:37,560 --> 00:38:40,240
Speaker 2: I just thought to myself, you know, it's such a shame,

807
00:38:40,360 --> 00:38:43,120
Speaker 2: you know, because like I said, if you mad, just

808
00:38:43,120 --> 00:38:45,279
Speaker 2: say you're mad, meaning like I just knew she was disappointed.

809
00:38:45,560 --> 00:38:47,200
Speaker 2: There was nothing left to say. I just said, I

810
00:38:47,280 --> 00:38:49,680
Speaker 2: just told my admin, you know, just leave it alone.

811
00:38:49,800 --> 00:38:52,480
Speaker 2: But you don't want that to be the like, no

812
00:38:52,520 --> 00:38:54,839
Speaker 2: one has to say yes to you. So if you're

813
00:38:54,880 --> 00:38:57,120
Speaker 2: reaching out to someone and you're like, I just need

814
00:38:57,239 --> 00:38:58,839
Speaker 2: if I could just get a foot in the door,

815
00:38:58,840 --> 00:39:01,560
Speaker 2: if I could just you know, get you because I

816
00:39:01,719 --> 00:39:04,560
Speaker 2: could just leave a little bit of help. People sometimes

817
00:39:04,640 --> 00:39:09,480
Speaker 2: are busy or or in experiencing trauma or swamp or

818
00:39:09,560 --> 00:39:13,000
Speaker 2: just didn't see it so and that's okay. Or sometimes

819
00:39:13,000 --> 00:39:15,040
Speaker 2: they just don't want to do it, and that's okay,

820
00:39:15,520 --> 00:39:18,160
Speaker 2: you know. So just being mindful of that, then you

821
00:39:18,200 --> 00:39:20,719
Speaker 2: should always reach out and ask if you're needing a thing,

822
00:39:21,040 --> 00:39:24,960
Speaker 2: But know that no one's yes is promised to you,

823
00:39:25,000 --> 00:39:27,160
Speaker 2: and that's okay, But you will get a yes from

824
00:39:27,239 --> 00:39:29,080
Speaker 2: somebody and it will be the right somebody at the

825
00:39:29,120 --> 00:39:29,560
Speaker 2: right time.

826
00:39:30,320 --> 00:39:33,000
Speaker 1: Couldn't have sud it better myself. All right, can you

827
00:39:33,040 --> 00:39:34,880
Speaker 1: remember you have a hard stop. We gotta go. I know,

828
00:39:35,480 --> 00:39:37,880
Speaker 1: let's take a quick break and we'll get to your

829
00:39:37,960 --> 00:40:12,319
Speaker 1: questions next. All right, we are back. I think we

830
00:40:12,360 --> 00:40:15,520
Speaker 1: had time for one question, maybe two for speedy, but

831
00:40:15,600 --> 00:40:17,640
Speaker 1: I definitely wanted to get to this. I actually don't

832
00:40:17,680 --> 00:40:19,200
Speaker 1: know if we ever answered this question, but I was

833
00:40:19,239 --> 00:40:21,319
Speaker 1: digging through the archives and I found this one from

834
00:40:21,800 --> 00:40:24,920
Speaker 1: a little bit of a while ago. But quick, quick, quick,

835
00:40:25,160 --> 00:40:28,080
Speaker 1: hey ladies, thank you for a bountiful podcast filled with

836
00:40:28,200 --> 00:40:31,279
Speaker 1: precious jewels. Here's my question. What would be the best

837
00:40:31,320 --> 00:40:33,360
Speaker 1: way to tackle debt? If my husband and I have

838
00:40:33,440 --> 00:40:36,440
Speaker 1: forty thousand dollars worth of debt and credit cards, student loans,

839
00:40:36,440 --> 00:40:39,600
Speaker 1: and personal loans, should we consolidate or use a snowball

840
00:40:39,640 --> 00:40:43,040
Speaker 1: method where both students have full time jobs a mortgage,

841
00:40:43,080 --> 00:40:45,560
Speaker 1: but we struggle to save money trying to pay off

842
00:40:45,600 --> 00:40:48,680
Speaker 1: our debt. Your advice is much appreciated. Please keep me anonymous.

843
00:40:48,760 --> 00:40:50,520
Speaker 1: All right, what was it?

844
00:40:50,600 --> 00:40:51,719
Speaker 2: Listen? It was credit card debt.

845
00:40:52,080 --> 00:40:55,439
Speaker 1: They have forty thousand dollars worth of credit card debt,

846
00:40:55,640 --> 00:40:58,440
Speaker 1: student loans, and personal loans, So a combination of all

847
00:40:58,440 --> 00:41:01,080
Speaker 1: of that, good time, it's pleasant mortgage.

848
00:41:01,120 --> 00:41:05,000
Speaker 2: But yeah, I probably would focus on the credit card

849
00:41:05,000 --> 00:41:10,480
Speaker 2: debt first because I'm assuming that's probably like the debt,

850
00:41:11,200 --> 00:41:13,320
Speaker 2: I don't know, like what, because student loans tend to

851
00:41:13,360 --> 00:41:15,480
Speaker 2: be like higher balances. I like to do a mix

852
00:41:15,520 --> 00:41:18,279
Speaker 2: of like the snowball method, which is pay the lower

853
00:41:18,320 --> 00:41:21,359
Speaker 2: balances off first, and the avalanche, which is pay the

854
00:41:21,520 --> 00:41:24,560
Speaker 2: higher interest rate off first. But I probably would start

855
00:41:24,600 --> 00:41:27,400
Speaker 2: with the credit card debt if I was really struggling

856
00:41:27,480 --> 00:41:28,920
Speaker 2: to save or whatever. And this is what I did.

857
00:41:28,920 --> 00:41:30,960
Speaker 2: I'm not saying like because I know people are like, no,

858
00:41:31,080 --> 00:41:34,680
Speaker 2: don't go into forbearance or deferment girl, if they are

859
00:41:34,920 --> 00:41:37,640
Speaker 2: federal loans. I was a deferment queen until I can

860
00:41:37,640 --> 00:41:39,160
Speaker 2: get some space. I was like, I'm gonna pay off

861
00:41:39,160 --> 00:41:41,880
Speaker 2: this credit card debt, defer my student loans until I

862
00:41:41,920 --> 00:41:43,759
Speaker 2: have some space. I don't know what you mean by

863
00:41:43,800 --> 00:41:45,600
Speaker 2: personal loans. Is this like to your mom and cousins

864
00:41:45,640 --> 00:41:47,479
Speaker 2: and them because they come third? Then they could wait

865
00:41:47,640 --> 00:41:49,960
Speaker 2: unless like they need to eat. But I would focus

866
00:41:50,000 --> 00:41:52,239
Speaker 2: on credit card debt first if you're not able to

867
00:41:52,280 --> 00:41:54,319
Speaker 2: save it all I and if it's federal student loans,

868
00:41:54,360 --> 00:41:57,880
Speaker 2: I would consider doing that. And I would consider deferring

869
00:41:58,000 --> 00:42:01,279
Speaker 2: or for barancing my federal student loans. If you don't

870
00:42:01,280 --> 00:42:04,160
Speaker 2: have I would consider like there's like companies like so

871
00:42:04,360 --> 00:42:07,839
Speaker 2: Far that allow you to basically refinance your student loans

872
00:42:07,880 --> 00:42:09,840
Speaker 2: at a lower interest rate if your credit score is decent.

873
00:42:09,880 --> 00:42:12,680
Speaker 2: I would consider doing that as well. And for the

874
00:42:12,719 --> 00:42:15,680
Speaker 2: credit card debt, if your interest rate is decent, I

875
00:42:15,680 --> 00:42:20,440
Speaker 2: would consider looking at balanced transfer cards or balance transfer

876
00:42:20,480 --> 00:42:23,680
Speaker 2: card to at least that's when you can transfer the

877
00:42:23,719 --> 00:42:26,840
Speaker 2: balance of your credit card debt to another card with

878
00:42:26,920 --> 00:42:29,360
Speaker 2: a zero percent interest rate, so all your money goes

879
00:42:29,760 --> 00:42:32,320
Speaker 2: to the principle, and you could pay that debt off faster.

880
00:42:32,440 --> 00:42:34,640
Speaker 2: So every one hundred dollars, all one hundred goes to

881
00:42:34,640 --> 00:42:36,759
Speaker 2: the principle. So cause that's how I got out of

882
00:42:36,760 --> 00:42:38,640
Speaker 2: thirty five thousand dollars worth of credit card debt while

883
00:42:38,680 --> 00:42:41,920
Speaker 2: I'm unemployment in like three years. I did balance transfer cards,

884
00:42:42,239 --> 00:42:44,560
Speaker 2: I put my student loan debt and for barance. Everybody

885
00:42:44,600 --> 00:42:46,319
Speaker 2: else had to wait, and I got rid of those

886
00:42:46,360 --> 00:42:48,440
Speaker 2: credit cards first to give myself some space.

887
00:42:49,160 --> 00:42:51,960
Speaker 1: Yeah, beautiful. I've just actually spent a lot of time

888
00:42:52,040 --> 00:42:56,440
Speaker 1: today talking about relationships and money and kind of like

889
00:42:56,480 --> 00:42:59,439
Speaker 1: how do you do that together? And I will share

890
00:42:59,800 --> 00:43:02,280
Speaker 1: a survey that we did at ally found that couples

891
00:43:02,320 --> 00:43:05,360
Speaker 1: who merge their finances actually have a better shot and

892
00:43:05,400 --> 00:43:07,640
Speaker 1: they say they do at reaching their financial goals. And

893
00:43:07,680 --> 00:43:09,520
Speaker 1: so I think if you guys attack it as a team,

894
00:43:09,960 --> 00:43:12,360
Speaker 1: all that debt, you can definitely manage it, and it

895
00:43:12,400 --> 00:43:14,040
Speaker 1: sounds like you're already on the right track. So I

896
00:43:14,040 --> 00:43:17,640
Speaker 1: definitely give you major kudos for that, because honestly, like

897
00:43:17,719 --> 00:43:21,160
Speaker 1: telling your partner about your debt or about your finances,

898
00:43:21,200 --> 00:43:24,279
Speaker 1: it really does feel like it's almost more awkward less

899
00:43:24,360 --> 00:43:27,480
Speaker 1: way more awkward than like your first kiss or you know,

900
00:43:27,520 --> 00:43:31,120
Speaker 1: sleeping together. Even it's like, oh, my debt, Yeah, like

901
00:43:31,160 --> 00:43:33,640
Speaker 1: you worry about that. I feel like even more so,

902
00:43:33,800 --> 00:43:35,719
Speaker 1: it's great that y'all are even having the dialogue.

903
00:43:36,120 --> 00:43:38,560
Speaker 2: Yeah, it is greater you're having a dialogue. So and

904
00:43:38,600 --> 00:43:41,480
Speaker 2: then yeah, you're working together, and it sounds like you're

905
00:43:41,480 --> 00:43:44,000
Speaker 2: young if you're both still in school. So just know

906
00:43:44,080 --> 00:43:48,280
Speaker 2: this is kind of like part of like life currently,

907
00:43:48,280 --> 00:43:50,520
Speaker 2: but it won't always be like that. Just the key

908
00:43:50,640 --> 00:43:53,959
Speaker 2: is being mindful not to dig back in that hole,

909
00:43:54,040 --> 00:43:56,960
Speaker 2: Like let's put the shuffle down, get our way out,

910
00:43:57,239 --> 00:43:59,360
Speaker 2: fill up this hole so we can move forward on

911
00:43:59,400 --> 00:44:01,240
Speaker 2: a strong financial foundation.

912
00:44:01,719 --> 00:44:04,319
Speaker 1: Yeah, and I try to identify the reasons why you know,

913
00:44:04,320 --> 00:44:05,719
Speaker 1: you got there in the first place. I'm kind of

914
00:44:05,719 --> 00:44:07,600
Speaker 1: hoping that the majority of that is student loan debt,

915
00:44:07,600 --> 00:44:10,839
Speaker 1: because girl, who doesn't you know? And the good thing

916
00:44:10,880 --> 00:44:12,320
Speaker 1: is that your student loans aren't. You don't have to

917
00:44:12,320 --> 00:44:14,840
Speaker 1: make payments on them until next September. At this point

918
00:44:15,440 --> 00:44:17,840
Speaker 1: we'll see if they extend the what's it called deferment

919
00:44:18,040 --> 00:44:20,839
Speaker 1: or forget what the term that the government is using.

920
00:44:20,920 --> 00:44:24,120
Speaker 1: But yeah, they've stopped interest accruing on student loans and

921
00:44:24,160 --> 00:44:25,640
Speaker 1: you don't have to make payments for a while, So

922
00:44:26,040 --> 00:44:27,400
Speaker 1: a little bit of reprieve there, and then you can

923
00:44:27,400 --> 00:44:30,719
Speaker 1: maybe use your funds for those other goals. Okay, I'm

924
00:44:30,719 --> 00:44:32,640
Speaker 1: gonna squeeze one more quick question in there, because this

925
00:44:32,680 --> 00:44:34,520
Speaker 1: is a good one and we haven't talked about this yet.

926
00:44:34,800 --> 00:44:38,040
Speaker 1: This question came from oh what's her name? Oh the

927
00:44:38,120 --> 00:44:41,200
Speaker 1: KP Life. Oh she's always so sweet and sending lots

928
00:44:41,239 --> 00:44:43,759
Speaker 1: of dms. So the KP Life sets Happy New Year,

929
00:44:44,760 --> 00:44:46,520
Speaker 1: Happy Earth. Sorry this is from January.

930
00:44:46,600 --> 00:44:49,200
Speaker 3: Happy listen.

931
00:44:49,239 --> 00:44:51,359
Speaker 1: We have a big narrow bail bag, y'all. I'm working

932
00:44:51,400 --> 00:44:54,200
Speaker 1: on the back log. Okay, quick question, have you looked

933
00:44:54,200 --> 00:44:57,160
Speaker 1: into banking with Greenwood Bank yet? Curious for your take.

934
00:44:57,360 --> 00:45:00,080
Speaker 1: We haven't talked about Greenwood yet, Tiffany, which I've is

935
00:45:00,080 --> 00:45:02,920
Speaker 1: that the one we kill Mike killing Mike, Yes, Greenwood,

936
00:45:03,600 --> 00:45:05,719
Speaker 1: So just for you some background if y'all haven't heard

937
00:45:05,719 --> 00:45:09,400
Speaker 1: of Greenwood, it's a black and Latin X owned bank

938
00:45:09,560 --> 00:45:11,800
Speaker 1: that Killer Mike he has this bank black or is

939
00:45:11,840 --> 00:45:14,560
Speaker 1: that the bank black movement? Yeah, so Killer Mike in

940
00:45:14,600 --> 00:45:17,439
Speaker 1: Atlanta shout out to atl has been I mean, he

941
00:45:17,719 --> 00:45:20,319
Speaker 1: really hit the national scene this past summer when he

942
00:45:20,400 --> 00:45:22,239
Speaker 1: came out and supported Black Lives Matter, and I mean

943
00:45:22,280 --> 00:45:24,400
Speaker 1: he's always been a huge activist and very vocal, but

944
00:45:24,840 --> 00:45:28,000
Speaker 1: he got extra extra shine. And then Jesse Williams, who

945
00:45:28,040 --> 00:45:31,040
Speaker 1: I know, because yes, I still watch Grays Anatomy and

946
00:45:31,080 --> 00:45:33,080
Speaker 1: I will till the day I die if they continue

947
00:45:33,200 --> 00:45:36,560
Speaker 1: releasing seasons of it. But he's a doctor on Grey's Anatomy,

948
00:45:36,640 --> 00:45:39,120
Speaker 1: so he's actually financing this venture, or at least co

949
00:45:39,200 --> 00:45:42,239
Speaker 1: financing it. And yeah, it hasn't launched yet, so I

950
00:45:42,280 --> 00:45:44,640
Speaker 1: don't so as far as my take on it, they

951
00:45:44,680 --> 00:45:47,680
Speaker 1: haven't launched yet. But I love the idea. I love

952
00:45:47,719 --> 00:45:50,040
Speaker 1: that we're if this is the beginning of a new

953
00:45:50,080 --> 00:45:53,200
Speaker 1: black bank renaissance. I am all for that because I

954
00:45:53,239 --> 00:45:56,359
Speaker 1: do believe, you know, circulating wealth in our communities is

955
00:45:56,360 --> 00:45:58,960
Speaker 1: is hugely important. But they I know, right now, there's

956
00:45:59,000 --> 00:46:01,239
Speaker 1: like a wait list. So if you join. They don't

957
00:46:01,239 --> 00:46:04,200
Speaker 1: actually have a product right now, but I love the

958
00:46:04,280 --> 00:46:04,960
Speaker 1: concept of it.

959
00:46:06,160 --> 00:46:08,760
Speaker 2: No, that's I mean, I need too because I think

960
00:46:09,239 --> 00:46:13,440
Speaker 2: black banks banking is one of the ways that they,

961
00:46:13,520 --> 00:46:16,319
Speaker 2: you know, cut black and brown folks out of the

962
00:46:16,400 --> 00:46:21,160
Speaker 2: economic ability to grow and thrive. And so if you

963
00:46:21,239 --> 00:46:23,400
Speaker 2: have more black banks, they found that black banks are

964
00:46:23,400 --> 00:46:26,759
Speaker 2: more likely to loan to small black businesses, They're more

965
00:46:26,920 --> 00:46:30,320
Speaker 2: likely to fund projects that benefit black and brown people.

966
00:46:30,800 --> 00:46:33,759
Speaker 2: And so yeah, I mean a good black bank that's

967
00:46:33,760 --> 00:46:35,719
Speaker 2: actually going to be of service to the community is

968
00:46:35,760 --> 00:46:36,719
Speaker 2: always a ya for.

969
00:46:36,760 --> 00:46:41,680
Speaker 1: Me, absolutely, especially if they're giving access to financing, because

970
00:46:41,719 --> 00:46:44,440
Speaker 1: that is often you know, just that startup capital, you know,

971
00:46:44,480 --> 00:46:47,400
Speaker 1: access to loans. That is what really can stinn me

972
00:46:47,400 --> 00:46:49,000
Speaker 1: the growth of a lot of black owned businesses.

973
00:46:50,200 --> 00:46:50,319
Speaker 2: Talk.

974
00:46:50,880 --> 00:46:52,800
Speaker 1: I'm gonna talk to Ali about that too. But okay,

975
00:46:53,880 --> 00:46:56,480
Speaker 1: all right, let's take another Well, actually, let's just go

976
00:46:56,600 --> 00:46:57,920
Speaker 1: right into brown Boost Brown.

977
00:46:57,719 --> 00:47:01,760
Speaker 2: Break, yays Liz, do.

978
00:47:02,080 --> 00:47:09,560
Speaker 1: What you're gonna do, boost or break? Tiff gonna, I

979
00:47:09,600 --> 00:47:12,680
Speaker 1: don't know, just carry that note until you think of something.

980
00:47:12,880 --> 00:47:17,000
Speaker 1: Do you want me to go first? Yes, we should

981
00:47:17,000 --> 00:47:18,799
Speaker 1: give you a pass because how many interviews have you

982
00:47:18,840 --> 00:47:19,280
Speaker 1: had today?

983
00:47:19,880 --> 00:47:22,759
Speaker 2: Oh my god, this is like my favorite Africa. Oh no, Moss,

984
00:47:22,880 --> 00:47:25,399
Speaker 2: And maybe that's probably what I'm gonna when I'm gonna break,

985
00:47:25,400 --> 00:47:26,960
Speaker 2: But go ahead. I think that's that's what my brain.

986
00:47:27,000 --> 00:47:28,560
Speaker 1: You still have a homework assignment. I need to know

987
00:47:28,600 --> 00:47:30,520
Speaker 1: how you're celebrating your book. And now I need to

988
00:47:30,560 --> 00:47:33,040
Speaker 1: know what kind of vacation are you treating yourself to

989
00:47:33,560 --> 00:47:36,160
Speaker 1: after the book book launches like April, I don't want

990
00:47:36,160 --> 00:47:38,000
Speaker 1: to see your ass. Like, we should just book some

991
00:47:38,040 --> 00:47:41,560
Speaker 1: shows in advance, guest host it up in April. You

992
00:47:41,600 --> 00:47:43,319
Speaker 1: go take a vak Okay.

993
00:47:43,200 --> 00:47:44,759
Speaker 2: All right, but I'm scared to go anywhere.

994
00:47:45,080 --> 00:47:48,000
Speaker 1: Well, I mean, go to the go to I don't know,

995
00:47:48,160 --> 00:47:51,080
Speaker 1: somewhere local Rhode Island, go to the go to the woods.

996
00:47:51,800 --> 00:47:54,319
Speaker 1: There's pretty woods around here. Drive somewhere, I don't know,

997
00:47:54,920 --> 00:47:58,040
Speaker 1: hot tub, whatever you like to do. Go to Kanku

998
00:47:58,120 --> 00:48:01,759
Speaker 1: like Ted Cruise, you know it's beautiful. Who also was

999
00:48:01,800 --> 00:48:03,799
Speaker 1: surprised that the four season was only like threeh dollars

1000
00:48:03,840 --> 00:48:06,799
Speaker 1: a night. I was like, dang, that's affordable. That's where

1001
00:48:06,840 --> 00:48:10,040
Speaker 1: they see the text message that was revealed by Heidi

1002
00:48:10,120 --> 00:48:12,480
Speaker 1: Cruz trying to get the other like soccer moms in

1003
00:48:12,520 --> 00:48:17,480
Speaker 1: their neighborhood to come with them. No oh yeah, yeah.

1004
00:48:17,520 --> 00:48:19,319
Speaker 1: They tried to say, oh, you know, we went there

1005
00:48:19,320 --> 00:48:20,640
Speaker 1: to be a good I went there to be a

1006
00:48:20,640 --> 00:48:23,320
Speaker 1: good father. My kids wanted to go. And then someone

1007
00:48:23,360 --> 00:48:25,640
Speaker 1: in the listen, don't trust the soccer mom. Someone in

1008
00:48:25,680 --> 00:48:29,000
Speaker 1: her her text message group took a screenshot, sent it

1009
00:48:29,040 --> 00:48:31,279
Speaker 1: through the New York Times and was like, nah, she's

1010
00:48:31,440 --> 00:48:33,640
Speaker 1: lying because this is her trying to rally us all

1011
00:48:33,680 --> 00:48:36,480
Speaker 1: together and get us to go to Kancun to escape

1012
00:48:35,640 --> 00:48:39,440
Speaker 1: the cold and the lack of power and water. You

1013
00:48:39,480 --> 00:48:44,640
Speaker 1: know that's a yeah, but I digress my break, I'm sorry,

1014
00:48:44,640 --> 00:48:46,680
Speaker 1: my boost. I'm going to do a boost. I'm gonna

1015
00:48:46,719 --> 00:48:49,040
Speaker 1: shout I'm going to shout out jay Z because it

1016
00:48:49,120 --> 00:48:51,520
Speaker 1: came out today or yesterday. It came out recently that

1017
00:48:51,600 --> 00:48:54,640
Speaker 1: he has sold half of his champagne brand, The jay

1018
00:48:54,719 --> 00:48:58,279
Speaker 1: Z Empire continues, okay, and that he yeah, amazing. So

1019
00:48:58,320 --> 00:49:02,680
Speaker 1: he has sold his champagne brand to LVMH, which is

1020
00:49:02,719 --> 00:49:06,480
Speaker 1: the same brand that owns dom Perion and Moayyi Chandon,

1021
00:49:07,000 --> 00:49:09,759
Speaker 1: and they've taken a fifty percent stake in his in

1022
00:49:09,840 --> 00:49:13,120
Speaker 1: jay Z's brand, which is called armand de Brenanc, also

1023
00:49:13,160 --> 00:49:16,120
Speaker 1: known as Ace of Spades. So shout out to Jay

1024
00:49:16,320 --> 00:49:19,959
Speaker 1: continuing to drive his empire. And the reason I found

1025
00:49:20,000 --> 00:49:22,480
Speaker 1: out because I get all my news from Tina Knowles,

1026
00:49:22,920 --> 00:49:25,560
Speaker 1: is she posted a tribute to her son in law

1027
00:49:25,560 --> 00:49:27,319
Speaker 1: on instead and I thought that was really sweet, and

1028
00:49:27,360 --> 00:49:29,080
Speaker 1: she shouted him out for all the work that he

1029
00:49:29,120 --> 00:49:31,399
Speaker 1: does because you know, he got a lot of shit

1030
00:49:31,400 --> 00:49:33,400
Speaker 1: when he joined the NFL and became the head of

1031
00:49:33,440 --> 00:49:36,279
Speaker 1: their entertainment for the Super Bowl and all that, and

1032
00:49:36,360 --> 00:49:39,160
Speaker 1: she was basically saying he deserves all the shine, and

1033
00:49:39,760 --> 00:49:42,560
Speaker 1: he really is. I mean, he is defining what it

1034
00:49:42,640 --> 00:49:44,839
Speaker 1: is to be to age well, I think in hip

1035
00:49:44,880 --> 00:49:48,200
Speaker 1: hop and in business and yeah, he's always lifting up

1036
00:49:48,239 --> 00:49:50,440
Speaker 1: the community. And go get your coins, j.

1037
00:49:51,120 --> 00:49:52,719
Speaker 2: Yes, go get your coins.

1038
00:49:53,120 --> 00:49:53,160
Speaker 1: No.

1039
00:49:53,280 --> 00:49:54,680
Speaker 2: I thought I saw that today. I thought that was

1040
00:49:54,680 --> 00:49:57,640
Speaker 2: really awesome. I was like, wow, that's because I mean,

1041
00:49:57,680 --> 00:50:00,520
Speaker 2: from how far that he's come till now, it just

1042
00:50:00,640 --> 00:50:02,200
Speaker 2: must be so surreal for him, you know.

1043
00:50:02,640 --> 00:50:02,879
Speaker 1: Yep.

1044
00:50:04,800 --> 00:50:10,880
Speaker 2: Well I'm gonna so okay, So here's what mine is

1045
00:50:10,920 --> 00:50:13,399
Speaker 2: gonna be. All right. So there is a young woman.

1046
00:50:13,440 --> 00:50:15,520
Speaker 2: Her name is Dimitri Lucas. Have you have you ever

1047
00:50:15,520 --> 00:50:17,680
Speaker 2: heard of a bell in Brooklyn? Yes?

1048
00:50:18,560 --> 00:50:21,080
Speaker 1: Yeah, yes, that sounds familiar, but yeah, okay, go ahead.

1049
00:50:21,840 --> 00:50:27,000
Speaker 2: Well, she she's a writer and she wrote like she

1050
00:50:27,080 --> 00:50:29,160
Speaker 2: wrote her first book of Bell in Brooklyn did really well.

1051
00:50:29,320 --> 00:50:31,320
Speaker 2: She wrote a second book called Don't wis You're Pretty.

1052
00:50:31,840 --> 00:50:34,440
Speaker 2: But what's really amazing is she's just Demeter and I

1053
00:50:34,520 --> 00:50:37,839
Speaker 2: at the same age. She's just this dope sister who

1054
00:50:38,640 --> 00:50:44,160
Speaker 2: do hard work and perseverance. So her book is being

1055
00:50:44,200 --> 00:50:47,040
Speaker 2: turned into a movie and it's going to be airing

1056
00:50:47,320 --> 00:50:50,680
Speaker 2: on TV one. And that's just like when, like, you know,

1057
00:50:50,719 --> 00:50:52,440
Speaker 2: because I watched, like I've been following her since she

1058
00:50:52,480 --> 00:50:55,239
Speaker 2: was a bell in Brooklyn and seeing how she's grown.

1059
00:50:55,280 --> 00:50:56,680
Speaker 2: She used to work at Essence and then she was

1060
00:50:56,719 --> 00:50:59,080
Speaker 2: an editor Essence and then she she's just had this

1061
00:50:59,160 --> 00:51:02,719
Speaker 2: amazing career and so to see this book that she wrote,

1062
00:51:02,719 --> 00:51:04,000
Speaker 2: because I mean, I don't think any of my books,

1063
00:51:04,040 --> 00:51:06,280
Speaker 2: they're not like you're not gonna have a movie about budgeting.

1064
00:51:06,520 --> 00:51:09,640
Speaker 2: But I just think to see somebody who's like I

1065
00:51:09,640 --> 00:51:11,719
Speaker 2: feel like I adjacent, no, like you know, like I

1066
00:51:11,760 --> 00:51:14,200
Speaker 2: don't talk to on the phone, but you know we Instagram.

1067
00:51:14,560 --> 00:51:17,320
Speaker 2: Just to see someone that like I adjacent to know,

1068
00:51:18,200 --> 00:51:21,839
Speaker 2: have a book turned into a movie that she got

1069
00:51:21,880 --> 00:51:23,319
Speaker 2: to be a part of. It's just one of those

1070
00:51:23,320 --> 00:51:25,879
Speaker 2: surreal things like becoming a New York Times bestseller, which

1071
00:51:25,920 --> 00:51:27,879
Speaker 2: you can help me be if you get get good

1072
00:51:27,920 --> 00:51:31,360
Speaker 2: with money at kikosmoney dot com. But yeah, so that

1073
00:51:31,520 --> 00:51:34,960
Speaker 2: is my that is my boost and my break though

1074
00:51:34,960 --> 00:51:37,359
Speaker 2: it's just gonna be. I just want to again thank

1075
00:51:37,400 --> 00:51:40,440
Speaker 2: you to Zinga because my break is to is to

1076
00:51:40,480 --> 00:51:44,680
Speaker 2: not overwork myself. Oh I love that because yeah, because

1077
00:51:45,040 --> 00:51:48,120
Speaker 2: it's been hard, like and it's you know, people always like, well,

1078
00:51:48,160 --> 00:51:51,479
Speaker 2: tivity your team, and I'm like, I the issue really

1079
00:51:51,520 --> 00:51:54,360
Speaker 2: isn't my team, it's me. I've got this a really

1080
00:51:54,440 --> 00:51:59,880
Speaker 2: awesome team, and oftentimes I don't give them the oppert

1081
00:52:00,120 --> 00:52:02,279
Speaker 2: tunity because they'll take things off my plate and I'll

1082
00:52:02,280 --> 00:52:04,840
Speaker 2: take it right on back. And so like it's not that,

1083
00:52:05,000 --> 00:52:06,960
Speaker 2: it's just it's something that's why I have my coaches.

1084
00:52:07,280 --> 00:52:10,120
Speaker 2: That's why you know, I'm really proactive with Oh I've

1085
00:52:10,120 --> 00:52:13,760
Speaker 2: been trying to be you know, really proactive in doing better.

1086
00:52:14,040 --> 00:52:15,800
Speaker 2: But and Zinger really just like called me to the

1087
00:52:15,840 --> 00:52:18,360
Speaker 2: carpet and she just you know, it was just something

1088
00:52:18,360 --> 00:52:21,000
Speaker 2: that I really needed. And so like if you need

1089
00:52:21,040 --> 00:52:23,400
Speaker 2: that sign, like am I doing too much? This is

1090
00:52:23,400 --> 00:52:27,080
Speaker 2: the sign you likely are that it is possible to

1091
00:52:27,160 --> 00:52:30,759
Speaker 2: achieve your dreams without killing yourself. She said something too, like,

1092
00:52:30,800 --> 00:52:33,719
Speaker 2: you know, preserving your feminine energy. Like you know, she said,

1093
00:52:33,760 --> 00:52:36,080
Speaker 2: sometimes it's almost like when women used to wear the

1094
00:52:36,080 --> 00:52:37,719
Speaker 2: power suits. And not to say that women can't wear

1095
00:52:37,719 --> 00:52:41,080
Speaker 2: a power suit, but it's okay to achieve success in

1096
00:52:41,120 --> 00:52:45,000
Speaker 2: a way that that still aligns with how you show

1097
00:52:45,080 --> 00:52:47,120
Speaker 2: up as a woman. You don't have to transform yourself

1098
00:52:47,160 --> 00:52:50,600
Speaker 2: into a man in order to be successful. And so

1099
00:52:50,680 --> 00:52:52,720
Speaker 2: it was just a reminder that I needed. They're like, girl,

1100
00:52:53,120 --> 00:52:56,560
Speaker 2: it make magic happen. Girl, Like women are capable of

1101
00:52:56,600 --> 00:52:59,440
Speaker 2: bring life into this world. We are capable of doing

1102
00:52:59,560 --> 00:53:02,680
Speaker 2: so much much without breaking ourselves, you know. So it

1103
00:53:02,760 --> 00:53:04,400
Speaker 2: was just like I said, that reminded that I needed.

1104
00:53:04,440 --> 00:53:06,200
Speaker 2: And it's a nice little I guess that's kind of

1105
00:53:06,200 --> 00:53:09,440
Speaker 2: like a breaky boost, a boost for that word of reminder,

1106
00:53:09,520 --> 00:53:13,120
Speaker 2: but a break from team too much.

1107
00:53:13,719 --> 00:53:16,799
Speaker 1: And I know I teamed too much. I know, Well

1108
00:53:16,840 --> 00:53:18,799
Speaker 1: we had so much love and out pouring. I'm sure

1109
00:53:18,840 --> 00:53:21,239
Speaker 1: you got lots of messages, Tiff, but so did I

1110
00:53:21,280 --> 00:53:23,480
Speaker 1: at brand Ambition on Instagram and then my even my

1111
00:53:23,520 --> 00:53:25,560
Speaker 1: personal account. People just wanted to pour out and pour

1112
00:53:25,600 --> 00:53:27,640
Speaker 1: into you and tell you how much they love you

1113
00:53:27,719 --> 00:53:29,920
Speaker 1: and support you. And also thank you for opening up

1114
00:53:30,000 --> 00:53:32,839
Speaker 1: last week, because I know that wasn't easy for you.

1115
00:53:33,520 --> 00:53:35,840
Speaker 1: But to your point about being a woman today, and

1116
00:53:35,880 --> 00:53:37,239
Speaker 1: I know I'm looking at the clock. I know we

1117
00:53:37,280 --> 00:53:41,520
Speaker 1: got seven minutes. Okay, no, we get I feel very

1118
00:53:41,640 --> 00:53:45,480
Speaker 1: much like yes and shout out to the women who

1119
00:53:45,719 --> 00:53:49,040
Speaker 1: who really had to play by the man's playbook in

1120
00:53:49,120 --> 00:53:56,080
Speaker 1: the seventies, eighties, nineties, two thousand tens. I feel today

1121
00:53:55,920 --> 00:53:59,120
Speaker 1: my perspective going into a senior leadership role the last

1122
00:53:59,160 --> 00:54:01,960
Speaker 1: place I was at and now now and continuing that path.

1123
00:54:02,680 --> 00:54:05,520
Speaker 1: My thing is, so you hired a working mom, like so,

1124
00:54:05,880 --> 00:54:08,520
Speaker 1: I breastfed my child on my very first interview call

1125
00:54:08,600 --> 00:54:11,520
Speaker 1: with Ally. Okay, not on camera, but he was there.

1126
00:54:11,719 --> 00:54:13,880
Speaker 1: I had to because I'm a working mom during a pandemic,

1127
00:54:14,000 --> 00:54:16,800
Speaker 1: right and my whole thing is and maybe the pandemic

1128
00:54:16,880 --> 00:54:19,839
Speaker 1: is giving me that extra confidence. But if you're going

1129
00:54:19,880 --> 00:54:21,920
Speaker 1: to hire me and put me in a position of power,

1130
00:54:22,000 --> 00:54:24,000
Speaker 1: I'm going to be my whole self. And that means

1131
00:54:24,040 --> 00:54:27,279
Speaker 1: if you put a calendar invite out there for four

1132
00:54:27,440 --> 00:54:29,920
Speaker 1: thirty to five thirty meeting I'm going to drop off

1133
00:54:29,920 --> 00:54:32,120
Speaker 1: at five pm because that is the half hour I

1134
00:54:32,160 --> 00:54:34,920
Speaker 1: have to spend with my baby before I do the podcast.

1135
00:54:35,040 --> 00:54:38,320
Speaker 1: Like those, it's very and I feel like I was

1136
00:54:38,320 --> 00:54:40,000
Speaker 1: always putting a lot of pressure on myself at my

1137
00:54:40,080 --> 00:54:42,759
Speaker 1: last job because I was managing team. I'm a woman

1138
00:54:42,800 --> 00:54:45,799
Speaker 1: in power, so I need to set an example for

1139
00:54:45,920 --> 00:54:48,520
Speaker 1: what that looks like. And that means you can talk about,

1140
00:54:49,040 --> 00:54:53,120
Speaker 1: you know, having you can acknowledge those other complex parts

1141
00:54:53,160 --> 00:54:55,239
Speaker 1: of your personality. You know, you can, you can be

1142
00:54:55,920 --> 00:54:57,759
Speaker 1: who you are, but you can also bring in the

1143
00:54:57,760 --> 00:55:00,000
Speaker 1: fact that you're a mother or this isn't just about mom.

1144
00:55:00,200 --> 00:55:03,080
Speaker 1: It's about the pressure on women to take care of

1145
00:55:03,120 --> 00:55:06,600
Speaker 1: elderly relatives or to be the primary caretaker if someone

1146
00:55:06,640 --> 00:55:08,600
Speaker 1: in the family is ill, you know, and during a

1147
00:55:08,640 --> 00:55:11,760
Speaker 1: pandemic year, working like moms have, I mean women, women

1148
00:55:11,840 --> 00:55:15,320
Speaker 1: have been hit from all different directions, especially Black women,

1149
00:55:15,360 --> 00:55:18,200
Speaker 1: because you come from a base of you know, very

1150
00:55:18,200 --> 00:55:21,560
Speaker 1: little resources and support and infrastructure sent you know, set

1151
00:55:21,600 --> 00:55:23,560
Speaker 1: up to support you. It's just we've done a terrible

1152
00:55:23,640 --> 00:55:27,000
Speaker 1: job in this country. So yes, I think Tiffany and

1153
00:55:27,280 --> 00:55:31,520
Speaker 1: you running your team like first of all, letting people

1154
00:55:31,520 --> 00:55:34,680
Speaker 1: show up for you when you need help that helps

1155
00:55:34,680 --> 00:55:37,000
Speaker 1: them grow, It makes them feel good. It doesn't make

1156
00:55:37,040 --> 00:55:39,360
Speaker 1: you any less of an amazing and fantastic leader and

1157
00:55:39,400 --> 00:55:42,000
Speaker 1: founder that you are. It doesn't at all. But I

1158
00:55:42,080 --> 00:55:44,040
Speaker 1: understand like you get addicted to the grind, and you

1159
00:55:44,080 --> 00:55:45,960
Speaker 1: also feel like when I do it, I do it right,

1160
00:55:46,560 --> 00:55:47,839
Speaker 1: you know, and I want to I want to put

1161
00:55:47,840 --> 00:55:50,440
Speaker 1: my stamp of approval on everything, and you know.

1162
00:55:50,440 --> 00:55:53,240
Speaker 2: It's not even that. Honestly for me, I always feel

1163
00:55:53,280 --> 00:55:56,240
Speaker 2: like I don't want to bother people, which is so crazy.

1164
00:55:56,760 --> 00:55:59,320
Speaker 2: I'm like, because I'm like, oh man, you know Lat's

1165
00:55:59,360 --> 00:56:01,319
Speaker 2: just had the baby, you know, and she already got

1166
00:56:01,360 --> 00:56:03,399
Speaker 2: the two other little ones. Oh man, I would ask Karen,

1167
00:56:03,440 --> 00:56:05,480
Speaker 2: but I know that she said that, you know, her

1168
00:56:05,520 --> 00:56:08,240
Speaker 2: son is doing X y Z, And let me just literally,

1169
00:56:08,400 --> 00:56:12,040
Speaker 2: I think, because I always ask the women to share,

1170
00:56:12,120 --> 00:56:14,160
Speaker 2: you know, like what's happening in their lives. So I'm

1171
00:56:14,200 --> 00:56:18,239
Speaker 2: conscious of like sometimes being like I don't want to

1172
00:56:18,560 --> 00:56:21,640
Speaker 2: put too much on We take that very seriously, not

1173
00:56:21,840 --> 00:56:25,400
Speaker 2: overworking folks, making sure that this is a joyful place

1174
00:56:25,640 --> 00:56:29,839
Speaker 2: to work, and so as a result, I over sacrifice

1175
00:56:29,880 --> 00:56:33,160
Speaker 2: and sometimes like I might say that, and Lateresa's like girl,

1176
00:56:33,880 --> 00:56:35,560
Speaker 2: she told me the other day, this is the best.

1177
00:56:35,719 --> 00:56:38,480
Speaker 2: This baby, don't cry, this baby, don't this baby's just

1178
00:56:38,520 --> 00:56:43,080
Speaker 2: like whatever you down for, I'm down for. She's like no.

1179
00:56:44,040 --> 00:56:48,120
Speaker 2: But you see, like I'm making that assumption that someone

1180
00:56:48,239 --> 00:56:51,560
Speaker 2: is needing this space and grace and it's like, no,

1181
00:56:51,760 --> 00:56:54,520
Speaker 2: you need that space and grace. She's fine. And even

1182
00:56:54,520 --> 00:56:56,840
Speaker 2: if you thought that, why not ask like, hey, is

1183
00:56:56,880 --> 00:56:59,400
Speaker 2: this too much for you? You create a safe environment

1184
00:56:59,400 --> 00:57:02,160
Speaker 2: for people to share, Like, girl, it would be a lot.

1185
00:57:02,400 --> 00:57:05,880
Speaker 2: You're taking on this burden without asking someone if you know,

1186
00:57:05,960 --> 00:57:07,960
Speaker 2: if they're even capable of sharing it with you. So

1187
00:57:08,080 --> 00:57:10,040
Speaker 2: that's because I honestly don't think I could do it

1188
00:57:10,040 --> 00:57:12,120
Speaker 2: the best. I'm always just thinking that I don't want

1189
00:57:12,160 --> 00:57:15,000
Speaker 2: to put additional work on folks, even though.

1190
00:57:14,719 --> 00:57:19,400
Speaker 1: They were here, just projecting my own control freak tendencies

1191
00:57:19,480 --> 00:57:21,520
Speaker 1: upon you, which is why we didn't have an editor

1192
00:57:21,520 --> 00:57:23,800
Speaker 1: for the show until a pandemic and a baby. That

1193
00:57:23,960 --> 00:57:26,600
Speaker 1: was when I let my cold dead hands off the

1194
00:57:26,720 --> 00:57:27,360
Speaker 1: editing novel.

1195
00:57:28,720 --> 00:57:31,120
Speaker 2: No. I have honestly just like the most amazing team.

1196
00:57:31,120 --> 00:57:34,200
Speaker 2: But it's just because I just like I told you before,

1197
00:57:34,240 --> 00:57:37,320
Speaker 2: Remember we had that our rich journey, that couple that

1198
00:57:37,400 --> 00:57:42,000
Speaker 2: came on yes, Christ oh yes, and Ama, they that

1199
00:57:42,160 --> 00:57:44,200
Speaker 2: sense of joy they had. I was like, I want that,

1200
00:57:45,280 --> 00:57:49,120
Speaker 2: like they just seem and not because oh, they just

1201
00:57:49,240 --> 00:57:52,960
Speaker 2: seem in such a good space, like they they weren't

1202
00:57:53,000 --> 00:57:56,520
Speaker 2: doing more than was necessary to live this life that

1203
00:57:56,560 --> 00:58:00,200
Speaker 2: they've created for themselves intentionally. And so that's that's what

1204
00:58:00,200 --> 00:58:03,760
Speaker 2: I was like, Okay, And so like you know, I'm

1205
00:58:04,200 --> 00:58:06,400
Speaker 2: sometimes we overdo it, like do you need to work

1206
00:58:06,400 --> 00:58:08,960
Speaker 2: the extra two or will the one do? Then? Well,

1207
00:58:09,000 --> 00:58:10,480
Speaker 2: why are you working to too? If the one will

1208
00:58:10,480 --> 00:58:12,920
Speaker 2: get you the sunshine? Why work the extra two if

1209
00:58:12,920 --> 00:58:15,160
Speaker 2: the one will get you the beach, you know, like,

1210
00:58:15,200 --> 00:58:18,000
Speaker 2: well maybe the one will two will get me double beach. No,

1211
00:58:18,800 --> 00:58:21,240
Speaker 2: the law of diminishing return says the two will actually

1212
00:58:21,280 --> 00:58:24,240
Speaker 2: get you back to the office, you know. Yeah, And

1213
00:58:24,320 --> 00:58:26,320
Speaker 2: so like yeah, so these are things like you know,

1214
00:58:26,400 --> 00:58:28,120
Speaker 2: I like to share that stuff with you guys because

1215
00:58:28,320 --> 00:58:31,880
Speaker 2: I like for you because, especially in entrepreneurship, I feel

1216
00:58:31,960 --> 00:58:34,959
Speaker 2: like people are more honest about not liking a job

1217
00:58:35,160 --> 00:58:39,400
Speaker 2: or struggling in corporate. But I see so much that

1218
00:58:39,600 --> 00:58:43,200
Speaker 2: entrepreneurship is is put on such a pedestal, and not

1219
00:58:43,320 --> 00:58:46,840
Speaker 2: enough people are honest about how hard sometimes it can

1220
00:58:46,880 --> 00:58:50,160
Speaker 2: be to adjust and how sometimes things are amazing and

1221
00:58:50,200 --> 00:58:52,560
Speaker 2: you're feeling great and other times you're not. I just

1222
00:58:52,600 --> 00:58:54,800
Speaker 2: think that I want more people to be honest, that like,

1223
00:58:54,840 --> 00:58:58,880
Speaker 2: you know that you can be externally successful and really

1224
00:58:58,920 --> 00:59:01,520
Speaker 2: be struggling, because so many of my friends that are entrepreneurs.

1225
00:59:01,600 --> 00:59:03,840
Speaker 2: I mean I I was echoing sentiments that so many

1226
00:59:03,840 --> 00:59:07,760
Speaker 2: people that I know echo and I like being vulnerable

1227
00:59:07,800 --> 00:59:10,120
Speaker 2: because that also means that people pour into me. And

1228
00:59:10,160 --> 00:59:12,000
Speaker 2: you're right, Mandy, I got a lot of really amazing

1229
00:59:12,040 --> 00:59:14,640
Speaker 2: messages that had me rethink like, well, maybe I'll try this,

1230
00:59:14,680 --> 00:59:17,360
Speaker 2: and maybe I'll try that. I'm always open to learning

1231
00:59:17,400 --> 00:59:21,280
Speaker 2: because a really good teacher is an even better student,

1232
00:59:21,560 --> 00:59:24,000
Speaker 2: and so I don't have ego about correction and learning

1233
00:59:24,000 --> 00:59:26,600
Speaker 2: and doing things better. So I'm always appreciative when you

1234
00:59:26,640 --> 00:59:29,280
Speaker 2: guys reach out and share some of your feedback with me.

1235
00:59:29,360 --> 00:59:30,200
Speaker 2: So thank y'all for that.

1236
00:59:30,760 --> 00:59:33,760
Speaker 1: Ugh, I wish more people were like that. You've got them. Yeah,

1237
00:59:33,800 --> 00:59:35,840
Speaker 1: but you're you know, Tiffany, You and the other people

1238
00:59:35,880 --> 00:59:38,240
Speaker 1: I know who are starting launching their businesses and everything.

1239
00:59:38,480 --> 00:59:40,360
Speaker 1: You're the reason why I want a good friend of mine.

1240
00:59:40,960 --> 00:59:43,120
Speaker 1: It was just back in pre COVID times. Asked to

1241
00:59:43,160 --> 00:59:45,720
Speaker 1: come and visit me at the office to talk about

1242
00:59:45,720 --> 00:59:47,400
Speaker 1: the business that he had launched. And he walked right

1243
00:59:47,480 --> 00:59:48,920
Speaker 1: and I saw the bags under his eyes, and I

1244
00:59:49,000 --> 00:59:50,200
Speaker 1: was like, do you want to just sit in this

1245
00:59:50,320 --> 00:59:54,080
Speaker 1: dark conference room for like twenty minutes and just collect

1246
00:59:54,160 --> 00:59:56,800
Speaker 1: or take a nap or something. And he was like, God, yes,

1247
00:59:57,120 --> 00:59:59,040
Speaker 1: and he went into that room and just took some

1248
00:59:59,040 --> 01:00:01,840
Speaker 1: time for himself. He just and I was like, okay,

1249
01:00:01,920 --> 01:00:04,680
Speaker 1: all right, even though he's doing amazing, business is going great,

1250
01:00:04,720 --> 01:00:06,720
Speaker 1: and it's like you said, like when things are going

1251
01:00:06,800 --> 01:00:09,520
Speaker 1: the best, that's when that is when the gas is

1252
01:00:09,560 --> 01:00:12,920
Speaker 1: empty and you're just like really digging deep and you

1253
01:00:12,960 --> 01:00:16,040
Speaker 1: know you need that extra support. So I hope you

1254
01:00:16,080 --> 01:00:18,880
Speaker 1: get it. I know Team Unicorn wants to be there

1255
01:00:18,880 --> 01:00:21,520
Speaker 1: for you. And if you know, if it's ever anything

1256
01:00:21,560 --> 01:00:23,880
Speaker 1: we can do here over here at Brown Ambition Ink,

1257
01:00:24,000 --> 01:00:26,439
Speaker 1: you just let me know, let me know we could

1258
01:00:26,440 --> 01:00:29,040
Speaker 1: do to accommodation. But I'm getting you out of here

1259
01:00:29,040 --> 01:00:31,120
Speaker 1: because we have like twenty seconds and you have to go.

1260
01:00:31,280 --> 01:00:31,680
Speaker 1: All right.

1261
01:00:32,000 --> 01:00:35,439
Speaker 2: I did good, lie, Thank y'all for listening. Tell a friend,

1262
01:00:35,440 --> 01:00:36,160
Speaker 2: Tell a friend, tell.

1263
01:00:36,040 --> 01:00:40,760
Speaker 1: A friend, subscribe, police, subscribe and leave a review. I

1264
01:00:40,840 --> 01:00:43,520
Speaker 1: want to shot up those charts. The Eyl Boys they're great,

1265
01:00:43,520 --> 01:00:45,400
Speaker 1: but like we was here first, so let's get up

1266
01:00:45,400 --> 01:00:45,560
Speaker 1: on it.

1267
01:00:46,920 --> 01:00:48,840
Speaker 2: There's a room at the top. We could be number one.

1268
01:00:48,880 --> 01:00:52,120
Speaker 1: To do yes. I'm just saying, okay, all right, bye

1269
01:00:52,160 --> 01:01:04,720
Speaker 1: y'all right, bye bye