WEBVTT - Girlfriends, Not Gurus 0:00:00.080 --> 0:00:02.920 Hey, ba fan, Mandy here or Mandra you can call 0:00:02.960 --> 0:00:05.400 me Mandra and that's fine. I have a simple request 0:00:05.400 --> 0:00:07.480 for you, guys. We get so many questions on how 0:00:07.520 --> 0:00:09.719 you can support the show, and there's really a very 0:00:09.880 --> 0:00:11.880 very simple thing that we need you guys to do. 0:00:12.360 --> 0:00:14.960 Open up this app, open up wherever you're listening to 0:00:14.960 --> 0:00:18.200 this podcast right now, and subscribe if you have the ability, 0:00:18.360 --> 0:00:21.079 especially those of you who are on iTunes. We're really 0:00:21.079 --> 0:00:23.720 making a push to get the show more visible. You've 0:00:23.760 --> 0:00:26.279 seen that we've partnered with a fabulous new network called 0:00:26.280 --> 0:00:29.360 Westwood One. 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Subscribe, like and review 0:01:04.959 --> 0:01:07.119 the show, and we thank you so much. 0:01:24.040 --> 0:01:27.200 Wait, we always die. 0:01:27.240 --> 0:01:30.959 Hi, somebody's tired. 0:01:32.480 --> 0:01:40.160 I'm like, hey, hey, hey we're back. We're black, we 0:01:40.240 --> 0:01:44.399 are brown, and so told that she hit me up 0:01:44.480 --> 0:01:45.360 like one of our listeners. 0:01:45.400 --> 0:01:48.000 I don't know if you remember when we had well, 0:01:48.000 --> 0:01:49.880 of course, I'm sure you remember. We had our dinner, 0:01:50.000 --> 0:01:51.560 like you know, like our one year anniversary. 0:01:52.000 --> 0:01:54.440 Yes, yes we did. We got like what did we do? 0:01:54.520 --> 0:01:57.360 We had maybe ten Brown Ambition listeners meet us in 0:01:57.440 --> 0:01:57.880 New York. 0:01:58.160 --> 0:02:00.440 Yeah, but that was someone's fun friend. 0:02:01.120 --> 0:02:02.960 That food was delicious, yeah, peel peal. 0:02:03.640 --> 0:02:06.800 Yes. And so one of the young women who came 0:02:06.840 --> 0:02:09.120 in Zinga, she like hit me on soul. So she 0:02:09.200 --> 0:02:11.840 was like, girl, you are overworking yourself to the bone. 0:02:11.880 --> 0:02:14.440 I need you to take one step, two step, three 0:02:14.440 --> 0:02:16.920 steps back. And so we actually we ended up chatting 0:02:16.960 --> 0:02:19.280 on the phone. It was just everything and so thanks, 0:02:19.280 --> 0:02:20.959 shout out to you and sing thank you so much. 0:02:21.000 --> 0:02:23.120 I needed that. Like she was like, I saw your 0:02:23.160 --> 0:02:25.320 last video, your last live you look like a walking dead. 0:02:25.400 --> 0:02:28.240 Basically I was like, wow, I have to go back 0:02:28.280 --> 0:02:31.040 and look at it. I was like wow, you know, 0:02:31.360 --> 0:02:34.600 and she's just like, you're doing too bad. So yeah, 0:02:34.639 --> 0:02:36.040 it was just like kind of like the like the 0:02:36.080 --> 0:02:38.120 shake up that I needed. So I was like, one 0:02:38.120 --> 0:02:39.600 more thing I can add, I can add more on 0:02:39.960 --> 0:02:43.440 no bicky. But yeah, so that's how you can tuse. 0:02:43.440 --> 0:02:45.320 I was like, wait, what do we open with? But 0:02:45.480 --> 0:02:48.240 let's get right into the souluce. I heard you had 0:02:48.240 --> 0:02:49.120 some tay. 0:02:50.360 --> 0:02:52.600 Some tea. Yeah, well, I mean we spill the tea 0:02:52.680 --> 0:02:55.079 last week and the response to last week's show, I 0:02:55.120 --> 0:02:57.760 think it was twofold one. It was the Dave Ramsey 0:02:57.800 --> 0:02:59.960 read the episode. Oh I said his name? Oh no, 0:03:00.120 --> 0:03:03.000 he who must not be named the read I and 0:03:03.040 --> 0:03:06.200 I was just telling Tiffany, you know, we'd kind of 0:03:06.200 --> 0:03:09.040 steer away from the topic of dr he just it's 0:03:09.040 --> 0:03:11.240 almost like that thing that we both know. You know, 0:03:11.600 --> 0:03:13.960 he's trash. Do we really need to say it out loud? 0:03:13.960 --> 0:03:17.080 We all know. But there's still so many of his 0:03:17.400 --> 0:03:19.840 fans and I have I had friends that I don't 0:03:20.240 --> 0:03:22.399 I have friends who are involved with their churches who 0:03:22.400 --> 0:03:26.240 I didn't know were such Dave Ramsey fanatics. And there 0:03:26.280 --> 0:03:28.720 are still a lot of people following him who don't 0:03:28.760 --> 0:03:32.120 know about all of his foolishness. So we talked about 0:03:32.240 --> 0:03:35.600 last week the Fox News interview where he went on 0:03:35.640 --> 0:03:37.440 there and put his whole foot in his mouth talking 0:03:37.480 --> 0:03:39.560 about although he would never say that, in fact, he's 0:03:39.600 --> 0:03:42.280 doubled down on the statement that he made that of 0:03:42.280 --> 0:03:44.840 course he has about how if you need a six 0:03:44.960 --> 0:03:47.440 hundred dollars or fourteen hundred dollars stimulus check, then your 0:03:47.440 --> 0:03:50.640 life you were basically screwed quote unquote before you know, 0:03:51.120 --> 0:03:54.360 way before you ever needed the government's handout. And we 0:03:54.400 --> 0:03:57.360 talked about that last week and since then, I think 0:03:57.520 --> 0:04:00.120 I had not seen this article, and Tiff, had you've 0:04:00.120 --> 0:04:03.000 seen this article, the one that came out in the January. 0:04:03.040 --> 0:04:06.280 Somebody you know heard our podcast and someone actually they 0:04:06.320 --> 0:04:09.080 sent it to me via DM was like, girl heard you, 0:04:09.120 --> 0:04:11.960 guys heard you Amandra on Bran Ambition. You need to 0:04:12.000 --> 0:04:14.320 read this. And I was like, what it was? Go ahead, 0:04:14.680 --> 0:04:15.920 tell the people about this article. 0:04:16.120 --> 0:04:18.040 I don't even know where to start. We're going to 0:04:18.080 --> 0:04:20.080 post a link, but if you if you wanted to 0:04:20.160 --> 0:04:22.680 send this to the loved one in your life to 0:04:22.839 --> 0:04:25.120 just help them see the error of their ways or 0:04:25.120 --> 0:04:27.440 help them see who he really is. This article is 0:04:27.440 --> 0:04:30.200 from a site called religious news dot Com and not 0:04:30.240 --> 0:04:32.919 only is the article worth reading, but they actually published 0:04:33.000 --> 0:04:36.240 the Dave Ramsey pr team's full response to the article, 0:04:36.720 --> 0:04:39.640 and it was hard. Oh you got to click. There's 0:04:39.640 --> 0:04:42.680 a link in the article. His team's response will tell 0:04:42.720 --> 0:04:45.480 you everything you need to know about the Dave Ramsey 0:04:46.600 --> 0:04:50.159 what is it called, Dave Ramsey Solutions company. It was 0:04:50.240 --> 0:04:53.719 mind blowingly, it was sarcastic, it was rude, it was disrespectful, 0:04:54.200 --> 0:04:57.719 and it just reminded me so much of the Trump 0:04:58.080 --> 0:05:02.240 administration and how they responded to anything that was, you know, 0:05:02.400 --> 0:05:06.160 short of overt just you know, anything that wasn't a 0:05:06.200 --> 0:05:09.560 Fox News like love fest. They would respond with bullying 0:05:10.000 --> 0:05:14.040 and with derision and and attack you know, reporters. And 0:05:14.120 --> 0:05:16.960 the scathing response from his team was just it was 0:05:17.279 --> 0:05:19.599 it was beyond the pale. It was insane. But the 0:05:19.680 --> 0:05:22.280 article itself the reason they were so mad, I mean 0:05:22.279 --> 0:05:25.560 it it talks about so Dave Ramsey. He you know, 0:05:25.640 --> 0:05:28.920 Dave Ramsey Solutions. His corporation consists of so much more 0:05:28.960 --> 0:05:31.560 than just his talk show. He's got you know, Financial 0:05:31.600 --> 0:05:35.479 Peace University, which that's the that's the financial education like 0:05:35.640 --> 0:05:39.520 course that he has gotten to be taught in all 0:05:39.520 --> 0:05:41.600 these churches across the country. Right, it's like a nine 0:05:41.640 --> 0:05:44.720 week course or something. On top of that, he sells 0:05:44.800 --> 0:05:47.280 financial products. He has like you know, he has this 0:05:47.600 --> 0:05:52.200 a team of of of deputized Dave ramsiers and and 0:05:52.480 --> 0:05:55.000 you know they sell a lot more than just Dave 0:05:55.080 --> 0:05:59.160 Ramsey the talk show. They really like evangelize his followers 0:05:59.279 --> 0:06:02.640 and to actually work in Dave Ramsey, as this article says. 0:06:02.640 --> 0:06:05.520 According to the article, they have to interview your spouse 0:06:05.800 --> 0:06:09.840 because your spouse has to be of you know, of 0:06:09.960 --> 0:06:12.960 Christian faith and not just like Christian faith. They actually 0:06:12.960 --> 0:06:15.800 have a moral code of ethics like at the company, 0:06:16.120 --> 0:06:17.840 and if they find you stepping a toe out of line, 0:06:17.880 --> 0:06:20.760 they can just fire you, apparently, and they have yes. 0:06:20.880 --> 0:06:23.080 So one woman, the story that got me the most 0:06:23.160 --> 0:06:26.440 was the one woman who she asked for maternity leave 0:06:26.440 --> 0:06:30.800 benefits under the federal the FMLA, the Federal Medical Leave Act. 0:06:31.160 --> 0:06:33.800 She asked for her maternity benefits and they said, no, 0:06:34.400 --> 0:06:37.039 you are not married. And by the way, you're fired 0:06:37.279 --> 0:06:41.200 because you had pre marital sex. They fired, like that's 0:06:41.200 --> 0:06:43.400 the thing that they can do. Somehow. They fired her. 0:06:43.920 --> 0:06:47.440 They fired someone else because his wife posted in a 0:06:47.440 --> 0:06:51.680 Facebook group that she was concerned because his company, Dave Ramsey, 0:06:51.839 --> 0:06:54.479 was asking hundreds of employees to get back to work 0:06:54.960 --> 0:06:57.840 very soon after the pandemic broke out. He was he 0:06:57.960 --> 0:07:01.400 was right there alongside Trump talking about how it was 0:07:01.480 --> 0:07:04.240 just gonna be a blip, don't worry, nothing to be 0:07:04.320 --> 0:07:06.720 concerned about. If you don't come to work, then you're 0:07:06.760 --> 0:07:10.320 a woos you know, like literally saying those words literally. 0:07:11.240 --> 0:07:12.760 And what was the thing about the gun? What did 0:07:12.760 --> 0:07:14.200 he was he waving a gun sound for? 0:07:14.760 --> 0:07:17.760 Yes? It was so some people created because they're like 0:07:17.760 --> 0:07:21.520 afraid of him. Some people created secret Twitter accounts to 0:07:21.640 --> 0:07:26.840 like complain, and he was like offering like people like 0:07:27.080 --> 0:07:30.520 rewards if you would out whoever had these Twitter accounts 0:07:30.560 --> 0:07:34.160 complaining about And then he's like, I hate gossips. And 0:07:34.240 --> 0:07:35.960 I guess at one of their like you know, all 0:07:36.040 --> 0:07:39.200 all team meetings, and whipped out a gun to to 0:07:39.320 --> 0:07:44.800 illustrate how much he hates gossips. I'm like, Yo, here's 0:07:44.840 --> 0:07:49.400 the thing. I don't I don't know why do y'all 0:07:49.480 --> 0:07:52.280 let people talk to you crazy? You know what I mean? 0:07:52.400 --> 0:07:55.840 Like that's I don't know. I mean, I guess we've 0:07:55.840 --> 0:07:58.400 all been there, Lord knows, I've been there. But like 0:07:58.600 --> 0:08:01.240 This is supposed to be a play place of service 0:08:02.200 --> 0:08:05.760 and kindness, I would think, but to have people talk 0:08:05.800 --> 0:08:07.440 to you crazy. I'm not talking about like these people 0:08:07.440 --> 0:08:09.120 who work there, because I know obviously some people are 0:08:09.120 --> 0:08:11.440 like I need to feed my family. But I'm saying 0:08:12.160 --> 0:08:15.679 with taking advice from someone who talks to you crazy 0:08:15.720 --> 0:08:18.680 when there are other places that you can take advice from. 0:08:18.680 --> 0:08:19.320 That's what I mean. 0:08:19.560 --> 0:08:23.280 Yeah, Like I just why choose him? Choose? 0:08:23.600 --> 0:08:26.560 Yes, why why choose him? Because here's the thing. I'm 0:08:26.560 --> 0:08:28.560 not saying all his all his advice is not the worst, 0:08:28.600 --> 0:08:31.640 but there are some advice that's so bad. Like one 0:08:31.640 --> 0:08:34.600 of his advice is that not to contribute to retirement Mandy, 0:08:34.679 --> 0:08:36.920 unless you paid off all your debt. What in the 0:08:37.200 --> 0:08:39.560 terrible losing out including your mortgage? 0:08:39.559 --> 0:08:41.720 Interesting, Like he's he's very hell bent on you not 0:08:41.800 --> 0:08:43.760 having a mortgage. Yes, I just. 0:08:46.040 --> 0:08:48.760 I And you know what, it would be sad. It 0:08:48.800 --> 0:08:51.400 would be funny if it wasn't sad. Because there was 0:08:51.400 --> 0:08:53.480 a woman in my comments who was going I posted 0:08:53.480 --> 0:08:55.679 this thing that debt free doesn't go wealth and that 0:08:55.679 --> 0:08:57.719 that deafree shouldn't be your focus, that it should be 0:08:57.760 --> 0:08:59.280 to grow wealth, and then wealth will help with your 0:08:59.280 --> 0:09:01.719 debt freedom. And she was like in my comments, like, oh, 0:09:01.760 --> 0:09:04.280 you're wrong. I followed Dave Ramsey method and I finally 0:09:04.280 --> 0:09:06.000 paid off my house and now I could start setting 0:09:06.040 --> 0:09:08.520 aside for retirement. And I was like, well, you miss out, 0:09:08.559 --> 0:09:10.320 you know, if you don't do that. She'said, well, you 0:09:10.360 --> 0:09:13.280 know at she was like forty seven, fifty years old. 0:09:13.559 --> 0:09:15.679 My heart sunk for her. I said, wait a minute, 0:09:16.000 --> 0:09:19.200 you haven't. You haven't said aside for retirement yet, and 0:09:19.200 --> 0:09:20.319 she said, well, it took me a long time to 0:09:20.320 --> 0:09:22.640 pay off my house. I was like, honestly, I'm I said, 0:09:22.640 --> 0:09:25.240 I'm not trying to be disrespectful, but you've lost that 0:09:25.360 --> 0:09:30.160 on like thirty years of compounding interest toward toward taking 0:09:30.200 --> 0:09:33.120 care of your older self. You've got fifteen more years 0:09:33.640 --> 0:09:36.800 to put aside everything you've got toward time. What kind 0:09:36.840 --> 0:09:37.560 of life is that? 0:09:38.360 --> 0:09:41.480 I just it was fine for him to file bankruptcy, though, 0:09:41.520 --> 0:09:44.240 and to step away from his DUTs, to use our 0:09:44.320 --> 0:09:47.000 legal system in his own favor, as so many Americans do. 0:09:47.440 --> 0:09:50.320 He uses shame. It's all about shame, and it's about 0:09:50.440 --> 0:09:55.280 it's an abusive it's very toxic and abusive to kind 0:09:55.280 --> 0:09:57.760 of to create the sense that you're doing it wrong, 0:09:57.960 --> 0:10:00.679 you need to do it this way. He himself, as 0:10:00.679 --> 0:10:02.920 you pointed out last week, that you know, did the 0:10:02.960 --> 0:10:06.840 same thing. He's a huge, huge hypocrite. And but the 0:10:06.880 --> 0:10:09.199 thing is, it's the religious element for me. I mean 0:10:09.200 --> 0:10:11.520 that is his audience, right, I mean he sees himself 0:10:11.520 --> 0:10:14.360 as this like financial messiah in a way. And I 0:10:14.400 --> 0:10:17.560 think people who are prone to follow any you know, 0:10:17.679 --> 0:10:19.959 to follow a religion in general, like you, you have 0:10:20.040 --> 0:10:23.640 to put your faith into something that And I'm not 0:10:23.920 --> 0:10:26.600 I personally, I am not incredibly religious. I'm from the South, 0:10:26.720 --> 0:10:29.560 I've you know, I had my feelings about religion. But 0:10:29.760 --> 0:10:32.320 in general, you know, any religion across the board, you 0:10:32.320 --> 0:10:34.320 have to put your faith into higher power and you 0:10:34.360 --> 0:10:37.080 have to accept certain beliefs and accept certain stories in 0:10:37.160 --> 0:10:39.520 order to like you have to accept a level of 0:10:39.559 --> 0:10:41.280 truth about the religion that you're entering it. And they 0:10:41.320 --> 0:10:43.640 all tell a story. You accept that version of the story. 0:10:43.679 --> 0:10:46.280 You say, I am this religion. And I think that 0:10:46.280 --> 0:10:48.880 that type of you know, profile is a little bit 0:10:49.559 --> 0:10:51.640 they're more willing to, you know, put their faith in 0:10:51.720 --> 0:10:54.199 like you said, the one person and can you talk 0:10:54.200 --> 0:10:57.199 about Tiffany because I actually I sat in on one 0:10:57.240 --> 0:10:59.599 of your many lives that we you know, one of 0:10:59.640 --> 0:11:02.319 your jillion lives that you do on Insta because you're 0:11:02.320 --> 0:11:04.960 not busy enough. And I think you reminded me of 0:11:05.000 --> 0:11:07.040 one of the things that you always say is you're 0:11:07.040 --> 0:11:10.080 not a fan of gurus, you know, like Dave. So 0:11:10.280 --> 0:11:11.679 do you want to talk about that a little bit. 0:11:12.600 --> 0:11:16.199 Yes, I'm not a fan of financial gurus or gurus 0:11:16.240 --> 0:11:18.880 in general. And now, from what I understand, the actual 0:11:19.080 --> 0:11:21.360 I'm not sure if gurus a Hindi word, but what 0:11:21.840 --> 0:11:24.000 it's supposed to mean from my understanding is it's supposed 0:11:24.040 --> 0:11:27.880 to mean teacher, not messiah. But we in the Western 0:11:27.920 --> 0:11:31.440 world tend to use guru as like you are the messiah. 0:11:31.520 --> 0:11:34.160 You are the go to for all things. Here's why 0:11:34.320 --> 0:11:39.640 I don't like because one person cannot possibly know all 0:11:39.800 --> 0:11:44.240 aspects of a particular topic. So like, for example, right, 0:11:44.320 --> 0:11:51.040 so if you think personal finance, you think insurance, estate planning, investing, budgeting, savings, credit. 0:11:51.559 --> 0:11:54.640 So if you think of all of those things, having 0:11:54.720 --> 0:11:58.360 someone be an expert in all ten components of something 0:11:58.360 --> 0:12:01.840 that I call financial hollness. My obligatory push from my book, 0:12:01.960 --> 0:12:05.439 get good with money available at getgodmney dot com. So 0:12:05.760 --> 0:12:09.560 but all you can't possibly be the super pro in 0:12:09.600 --> 0:12:12.920 all those things. I actually encourage people. Don't come to 0:12:13.000 --> 0:12:15.800 me for everything. You know, Get some of this from me, 0:12:16.200 --> 0:12:18.160 Get some of this from Nativa, Get some of this 0:12:18.240 --> 0:12:20.280 from Sandy, some of this from ash Cash, some of 0:12:20.320 --> 0:12:23.160 this from Earn Your Leisure, some of this from Kevin, 0:12:23.480 --> 0:12:27.920 some of this from Tila and Courtney, And I encourage 0:12:27.960 --> 0:12:33.319 that because then when something is incongruent, when you're like 0:12:33.400 --> 0:12:37.400 hum I heard Tiffany say this, but I feel like 0:12:37.559 --> 0:12:41.560 Kevin said this, that you can make decisions that are 0:12:41.559 --> 0:12:44.839 in alignment with you and your goals, you are able 0:12:44.880 --> 0:12:47.360 to think more critically. I don't want anyone to follow 0:12:47.400 --> 0:12:50.920 me blindly. You should be questioning me and everyone that 0:12:50.960 --> 0:12:54.040 you're listening to, because you're supposed to be practicing discernment, 0:12:54.440 --> 0:12:57.160 especially financial discernment. So that's why I always say I'm 0:12:57.160 --> 0:13:00.480 not your financial guru, I'm your financial girlfriend. Because when 0:13:00.480 --> 0:13:03.800 you have a guru, they like for example, dr might 0:13:03.840 --> 0:13:05.920 be really good at teaching you how to budget and safe. 0:13:06.000 --> 0:13:08.720 That's great, but he's the same person that's also told 0:13:08.760 --> 0:13:11.320 you now until you pay off your mortgage, don't set 0:13:11.360 --> 0:13:13.520 aside for your older self. So when you're eating cat 0:13:13.559 --> 0:13:15.600 food and he's living high off the heart because that 0:13:15.640 --> 0:13:20.920 man's business is worth well over four hundred million dollars, right, 0:13:20.960 --> 0:13:22.760 so he's not gonna come save. 0:13:22.520 --> 0:13:25.520 You way if you need his saving, then you got 0:13:25.520 --> 0:13:27.320 something wrong with you, right exactly. 0:13:27.760 --> 0:13:30.680 So it just goes to show them like if you 0:13:31.440 --> 0:13:33.840 Because one thing I don't like is that if you 0:13:33.880 --> 0:13:36.360 ever join one of those groups, the dr groups, if 0:13:36.400 --> 0:13:38.520 you even say you know, I think if you just 0:13:38.840 --> 0:13:42.320 like dissent in any way, they attack you. What level 0:13:42.320 --> 0:13:44.600 of Christianity is that? Well, you can't say, you know, 0:13:44.640 --> 0:13:47.400 I'm feeling something different. It just is baffling to me. 0:13:47.480 --> 0:13:49.000 But I don't say I try not to understand it because 0:13:49.040 --> 0:13:51.280 I'm just like whatever, I'm not here to save everyone. 0:13:51.640 --> 0:13:54.440 I'm here to help those who you know, would like 0:13:54.520 --> 0:13:57.600 to like to try something different, and to expose you 0:13:57.880 --> 0:14:02.200 to other people that have barrier levels of expertise in 0:14:02.280 --> 0:14:04.400 different topics. That's why I partner so much. But yeah, 0:14:04.400 --> 0:14:06.520 I don't believe in financial gurus. I believe that you 0:14:06.520 --> 0:14:10.160 should be looking for a myriad of teachers. If one 0:14:10.160 --> 0:14:12.080 person had all the answers. Then you would go to 0:14:12.120 --> 0:14:15.400 college and never switch classes, right like, and you would 0:14:15.440 --> 0:14:19.640 just have this one professor also teaches psychology, oh and statistics, 0:14:19.720 --> 0:14:23.960 oh and human you know, human anatomy, oh and your 0:14:24.000 --> 0:14:26.920 English class. Like that's just not how that works, because 0:14:27.440 --> 0:14:29.360 you know, the human brain is only capable of so 0:14:29.520 --> 0:14:32.800 much and so like, I just think that I want 0:14:33.080 --> 0:14:38.200 you to democratize how you get financial education so you 0:14:38.280 --> 0:14:42.320 can develop discernment, because one person cannot possibly have all 0:14:42.360 --> 0:14:45.880 the answers. And if someone shames you and tries to 0:14:45.920 --> 0:14:51.760 instill fear and blame because you are asking questions, you know, 0:14:51.840 --> 0:14:54.760 because you don't follow blindly, you know, that should be 0:14:54.840 --> 0:14:57.880 a real a huge red flag that a human being 0:14:58.240 --> 0:15:01.800 wants you to follow them blindly, you know, like this 0:15:01.920 --> 0:15:04.240 is not your parent, you know. And even then, ideally 0:15:04.280 --> 0:15:06.080 parents should not be looking for their children to follow 0:15:06.120 --> 0:15:09.800 them blindly, but a random person that's control. If you've 0:15:09.800 --> 0:15:13.240 had that article, please the Lincoln's in our description of 0:15:13.280 --> 0:15:17.120 this this podcast, read that article. You are going to 0:15:17.160 --> 0:15:20.360 be horrified. I actually gave him too much credit. I 0:15:20.440 --> 0:15:21.960 was like, oh my gosh, I did too. 0:15:22.120 --> 0:15:25.400 I honestly did. I had respect, you know, there definitely 0:15:25.440 --> 0:15:27.640 was respect and then respect of a journalist because that's 0:15:27.680 --> 0:15:30.320 my background. I'm always like, okay, listen, like that's his 0:15:30.400 --> 0:15:33.000 point of view. You know, I'm gonna have different voices 0:15:33.000 --> 0:15:35.440 in my articles and talk to other people. And I 0:15:35.560 --> 0:15:38.600 just kind of put him aside. But I yeah, he 0:15:38.720 --> 0:15:43.040 truly has infiltrated so deeply any any personal find Anyone 0:15:43.080 --> 0:15:45.480 who's ever got educated about personal finance will see a 0:15:45.520 --> 0:15:48.840 Dave Ramsey course or an article, or hear him online 0:15:48.920 --> 0:15:51.360 or hear him on a podcast. He's just so ubiquitous, 0:15:51.400 --> 0:15:53.680 you know, so even if they have and the thing is, 0:15:53.760 --> 0:15:56.920 he is in the way of voices like ours. And 0:15:57.200 --> 0:15:59.160 that's why, I mean, can we do a little happy 0:15:59.240 --> 0:16:02.480 dance for your Leisure right now? Have y'all? I feel 0:16:02.520 --> 0:16:04.320 like probably. I mean I was late to the Earn 0:16:04.360 --> 0:16:06.600 your Leisure party because you know, I had a baby 0:16:06.640 --> 0:16:08.640 and I was in a fog for so damn long. 0:16:08.840 --> 0:16:10.600 And they've only been around for two years. But these 0:16:10.600 --> 0:16:14.520 are two amazing men, Troy Millings Rashad Bilal and by 0:16:14.560 --> 0:16:17.480 the way, they're from Greenberg, which is where I live. 0:16:17.880 --> 0:16:19.680 Side they asked to come on the podcast. I've got 0:16:19.680 --> 0:16:23.640 to ask you that, yes, why. 0:16:23.400 --> 0:16:24.080 Are you fine? 0:16:24.480 --> 0:16:24.840 All right? 0:16:24.920 --> 0:16:27.640 Anyway, So hopefully they'll be guessed soon. 0:16:27.640 --> 0:16:28.840 But yeah, let it just happened. 0:16:29.200 --> 0:16:30.720 But yeah, let me say what I was gonna say. 0:16:31.560 --> 0:16:31.800 Sorry. 0:16:32.120 --> 0:16:35.960 Sorry, they slayed the Dave Dragon, y'all. They kicked him 0:16:36.000 --> 0:16:40.120 out of the top spot on iTunes. Oh like he 0:16:40.480 --> 0:16:44.040 was stuck there like that piece of like piece of 0:16:44.080 --> 0:16:46.720 like you know, tape or glue from like the poster 0:16:46.840 --> 0:16:48.360 you put up in your childhood bedroom that you can 0:16:48.400 --> 0:16:50.280 never get off the wall. That's where Dave spot at 0:16:50.320 --> 0:16:54.600 number one on business podcast was. They took him down. Yes, 0:16:55.080 --> 0:16:56.120 that is fine to me. 0:16:57.440 --> 0:16:59.480 Yes, but hopefully you'll be hearing. But so if you 0:16:59.480 --> 0:17:02.680 don't know is yeah, it's an awesome podcast by two 0:17:03.000 --> 0:17:06.000 black men. And what I love is that they showcase 0:17:06.080 --> 0:17:08.480 other black and brown folks that you might not ever 0:17:08.520 --> 0:17:11.600 have heard of prior to them being on their podcast, 0:17:11.680 --> 0:17:15.199 and it's just there. They have become a force in 0:17:15.240 --> 0:17:18.960 the financial space. And I love that they're also signing 0:17:19.000 --> 0:17:21.919 on like they have their own network and they're signing 0:17:21.920 --> 0:17:24.280 on people to their network, Like my friend ash Cash 0:17:24.600 --> 0:17:26.720 is on their network. And as a result, that's just 0:17:26.800 --> 0:17:29.639 like number Vision. He's been on Bron and Bish that's right, 0:17:30.359 --> 0:17:34.800 So you don't girl, I'm because I talked to ask, like, 0:17:34.840 --> 0:17:36.280 you know, that's like my brother from not mother. So 0:17:36.280 --> 0:17:38.040 I like, how many times have we have just chatted? 0:17:38.080 --> 0:17:39.800 I'm like, what's it on? Brown and bish and chatting? 0:17:40.160 --> 0:17:42.879 But yeah, And I'm just so impressed with what the 0:17:42.920 --> 0:17:46.680 guys are doing. And I'm just really glad that there's 0:17:46.720 --> 0:17:50.840 so many alternatives that and and I love the I 0:17:50.840 --> 0:17:52.520 don't know if you saw, like obviously some of them, 0:17:53.240 --> 0:17:55.320 the comments that they were like, thank you so much 0:17:55.400 --> 0:17:57.280 for like this, that amazing list that we were just 0:17:57.359 --> 0:18:00.359 kind of spewing out and another person and another person 0:18:00.359 --> 0:18:03.600 and another person, because I think it's, like I said, 0:18:03.600 --> 0:18:06.760 it's important that you see that there are so many 0:18:06.800 --> 0:18:11.440 amazing financial educators and experts out there. You don't have 0:18:11.480 --> 0:18:12.560 to get yelled at to learn. 0:18:13.080 --> 0:18:16.920 Yeah, I was Friday night. I decided to just treat 0:18:16.920 --> 0:18:19.920 myself to like some rest and relaxation. So I lit 0:18:19.960 --> 0:18:22.359 all the candles, did a nice little bubble bag, got 0:18:22.400 --> 0:18:25.439 my little Target brand Ebso salt bombs, and you know, 0:18:25.480 --> 0:18:27.639 it was just relaxing. And I saw that they were 0:18:27.680 --> 0:18:30.080 live on Instagram, and that was the most fun I've 0:18:30.119 --> 0:18:33.600 had watching in ig Live. They are to see. They 0:18:33.640 --> 0:18:36.960 are so fun to watch, but it's also like they 0:18:37.080 --> 0:18:40.000 their energy is infectious. And who do they have on 0:18:40.000 --> 0:18:42.080 One of the people on their network who does a 0:18:42.160 --> 0:18:44.720 show called Social Proof is this name Sean. I forget 0:18:45.080 --> 0:18:47.840 he was on and the you don't see and I 0:18:47.880 --> 0:18:50.200 don't take for granted, but like you don't see three 0:18:50.280 --> 0:18:54.439 black men celebrating like that, I mean every day, you know, 0:18:54.600 --> 0:18:57.240 and the fact that they are presenting this image that 0:18:57.280 --> 0:19:00.520 we are black men, we are supporting each other, we 0:18:59.680 --> 0:19:02.640 are we are growing. And one of my favorite things 0:19:02.680 --> 0:19:06.040 that they said was the importance of asking for help 0:19:06.200 --> 0:19:09.640 and how often in black and brown communities you feel 0:19:09.640 --> 0:19:10.680 like you have to do it all on your own, 0:19:10.760 --> 0:19:12.960 because I mean you do. You do have to do 0:19:13.000 --> 0:19:15.080 it all on your own in the beginning, often because 0:19:15.119 --> 0:19:17.840 people may may not have the knowledge that's easily accessible 0:19:17.880 --> 0:19:20.000 to you, or you don't have the resources because of 0:19:20.440 --> 0:19:22.840 all the reasons that are out of your control. But 0:19:23.560 --> 0:19:26.439 he and the two co hosts for Shot and Troy, 0:19:26.600 --> 0:19:29.440 you know, they really talk about how with their network 0:19:29.640 --> 0:19:33.560 they lean into other podcasters and there is space for everyone, 0:19:33.640 --> 0:19:36.520 you know, and that when they went, we went, I mean, 0:19:36.640 --> 0:19:39.320 I don't even know them personally, but I feel like 0:19:39.920 --> 0:19:42.880 I know them. I feel like my cousins have hit 0:19:42.920 --> 0:19:45.320 the top spot on iTunes. They made me want Brown 0:19:45.359 --> 0:19:47.960 Ambition up there. I'm like, why are we on the top? 0:19:48.119 --> 0:19:50.320 I never really think about chart rankings, but I'm like, 0:19:50.400 --> 0:19:53.840 dang people, so listen. I learned from them that night 0:19:53.920 --> 0:19:56.919 I didn't. We've always talked about leaving comments and reviews 0:19:57.240 --> 0:19:59.240