1
00:00:19,360 --> 00:00:23,880
Speaker 1: My notes up. How are things well.

2
00:00:23,800 --> 00:00:26,840
Speaker 2: Things are good. I have some big news. Well, first

3
00:00:26,840 --> 00:00:30,880
Speaker 2: half was the r The Patriots of You were gorgeous.

4
00:00:31,080 --> 00:00:33,520
Speaker 1: Oh thanks. It was beautiful. It was a nice little

5
00:00:33,600 --> 00:00:34,920
Speaker 1: It was a nice trip. It was a lot of

6
00:00:34,960 --> 00:00:38,080
Speaker 1: family the first half of the trip and then a

7
00:00:38,120 --> 00:00:40,160
Speaker 1: lot of beach time in the last half of the trip.

8
00:00:41,600 --> 00:00:43,800
Speaker 1: Had some sad news though. My last day of the vacation,

9
00:00:43,840 --> 00:00:45,400
Speaker 1: I found out that my uncle passed away.

10
00:00:45,960 --> 00:00:47,360
Speaker 2: Oh so sorry to hear that.

11
00:00:47,680 --> 00:00:49,280
Speaker 1: Yeah, it was kind of a I mean, it was

12
00:00:49,280 --> 00:00:51,919
Speaker 1: a last day of the trip. But so I went

13
00:00:52,000 --> 00:00:55,520
Speaker 1: straight from here. I came home and for a day,

14
00:00:55,600 --> 00:00:58,120
Speaker 1: and then I went to Atlanta. I mean, it was

15
00:00:58,200 --> 00:01:00,440
Speaker 1: ended up being a special kind of time because all

16
00:01:00,440 --> 00:01:03,120
Speaker 1: of my family came in from you know, Wisconsin and

17
00:01:03,200 --> 00:01:06,560
Speaker 1: Minneapolis and Georgia, and everybody sort of gathered together. But

18
00:01:06,920 --> 00:01:08,680
Speaker 1: it was really sad because he was so young.

19
00:01:09,800 --> 00:01:11,680
Speaker 3: This is your mom's brother, your father's brother.

20
00:01:12,000 --> 00:01:13,000
Speaker 1: Yeah, my mom's brother.

21
00:01:13,360 --> 00:01:13,760
Speaker 2: Okay.

22
00:01:13,920 --> 00:01:16,679
Speaker 1: So I will say, if anybody has a if you

23
00:01:16,760 --> 00:01:18,680
Speaker 1: have to, you know, buy a last minute flight. Those

24
00:01:18,720 --> 00:01:22,200
Speaker 1: flights were not messing around, even from a New York

25
00:01:22,240 --> 00:01:24,520
Speaker 1: to Atlanta, which is usually about two point fifty it

26
00:01:24,600 --> 00:01:26,560
Speaker 1: was over eight hundred dollars for me because it was

27
00:01:26,640 --> 00:01:29,920
Speaker 1: last minute. But Delta and other airlines they have like

28
00:01:29,959 --> 00:01:32,759
Speaker 1: the bereavement discount, so if you tell them I made

29
00:01:32,760 --> 00:01:35,480
Speaker 1: the mistake of I had enough miles saved up to

30
00:01:35,520 --> 00:01:37,520
Speaker 1: pay for it, so I didn't even think about the

31
00:01:37,560 --> 00:01:40,039
Speaker 1: bereavement discount. But I'm going to I'm in retrospect. I'm

32
00:01:40,040 --> 00:01:42,319
Speaker 1: going to go ask for them. But you have to

33
00:01:42,319 --> 00:01:44,720
Speaker 1: have like a death certificate and all that kind of stuff,

34
00:01:44,760 --> 00:01:47,680
Speaker 1: so it takes a little while. But airlines they do

35
00:01:47,760 --> 00:01:49,640
Speaker 1: give you, like a my mom, I think I got

36
00:01:49,640 --> 00:01:52,640
Speaker 1: one hundred and fifty dollars discount. They'll give you something,

37
00:01:52,680 --> 00:01:55,000
Speaker 1: so I mean, it can kind of help, but it's

38
00:01:55,320 --> 00:01:56,440
Speaker 1: it's very expensive.

39
00:01:57,240 --> 00:01:58,560
Speaker 2: We didn't even greet everybody.

40
00:01:59,160 --> 00:02:01,800
Speaker 1: Oh yeah, hi people, Hey have.

41
00:02:01,760 --> 00:02:02,400
Speaker 2: You missed us?

42
00:02:02,480 --> 00:02:04,600
Speaker 3: I know some of you guys have been like tweeting

43
00:02:04,720 --> 00:02:06,200
Speaker 3: us and stuff like I miss y'all.

44
00:02:06,200 --> 00:02:06,600
Speaker 2: What you met?

45
00:02:06,680 --> 00:02:07,040
Speaker 3: She too?

46
00:02:08,080 --> 00:02:10,520
Speaker 1: I know, sorry we were gone. It was a weird

47
00:02:10,560 --> 00:02:12,919
Speaker 1: like two week, little two week period there.

48
00:02:13,280 --> 00:02:15,720
Speaker 3: I know, right, don't forget about ass.

49
00:02:17,320 --> 00:02:19,000
Speaker 1: To get a lot of cute emails and tweets. So

50
00:02:19,360 --> 00:02:23,000
Speaker 1: happy to be back, yes, for sure. So what's your

51
00:02:23,040 --> 00:02:23,919
Speaker 1: what's your news.

52
00:02:24,960 --> 00:02:29,440
Speaker 3: Oh so after working on it for like a year

53
00:02:29,560 --> 00:02:33,720
Speaker 3: really a hardcore six months, but for a full year, finally,

54
00:02:33,840 --> 00:02:35,880
Speaker 3: like my I told you, I was working on the

55
00:02:35,919 --> 00:02:37,320
Speaker 3: Liveature Academy.

56
00:02:37,000 --> 00:02:38,040
Speaker 2: Right yep.

57
00:02:38,680 --> 00:02:41,680
Speaker 3: And so I don't know it's you know, whenever you

58
00:02:41,720 --> 00:02:44,360
Speaker 3: do something new, you just never know how it's gonna go,

59
00:02:44,680 --> 00:02:46,799
Speaker 3: you know, you never know if it's gonna go well.

60
00:02:46,919 --> 00:02:51,240
Speaker 3: And so we launched it, me and the team, and

61
00:02:51,440 --> 00:02:52,760
Speaker 3: I was like, oh my god, man, you have no

62
00:02:52,800 --> 00:02:54,840
Speaker 3: idea that. Like I at first I thought it's got

63
00:02:54,880 --> 00:02:56,960
Speaker 3: a big deal. You know, you tell yourself that until

64
00:02:57,000 --> 00:02:59,880
Speaker 3: you feel like you know your insides are like leaking.

65
00:02:59,560 --> 00:03:01,320
Speaker 2: Out on this time.

66
00:03:02,560 --> 00:03:02,840
Speaker 3: I know.

67
00:03:03,280 --> 00:03:06,000
Speaker 2: And so we launched at eight am on a Wednesday.

68
00:03:06,320 --> 00:03:07,840
Speaker 1: Wait, so tell the people what it is?

69
00:03:08,240 --> 00:03:08,840
Speaker 2: Oh that's true.

70
00:03:08,880 --> 00:03:09,200
Speaker 3: Sorry.

71
00:03:09,280 --> 00:03:12,600
Speaker 2: Yeah. So so for those of you who don't know,

72
00:03:12,639 --> 00:03:13,040
Speaker 2: so I have.

73
00:03:13,560 --> 00:03:16,720
Speaker 3: I have a business called the budget Nista that's also

74
00:03:16,800 --> 00:03:21,400
Speaker 3: like my moniker. I teach financial fun financial educations specifically

75
00:03:21,400 --> 00:03:23,760
Speaker 3: for women, although I don't leave men out, so please

76
00:03:23,760 --> 00:03:24,360
Speaker 3: don't tweet me.

77
00:03:24,440 --> 00:03:26,320
Speaker 2: Yes man, we get it. I know, yes, money for

78
00:03:26,320 --> 00:03:26,679
Speaker 2: you too.

79
00:03:27,160 --> 00:03:30,880
Speaker 3: So the last two years, I've done this free online

80
00:03:31,440 --> 00:03:33,560
Speaker 3: challenge called the Liverature Challenge and it's.

81
00:03:33,440 --> 00:03:35,920
Speaker 2: Done really well and it's fun and you can still

82
00:03:35,960 --> 00:03:36,160
Speaker 2: do it.

83
00:03:36,160 --> 00:03:39,120
Speaker 3: It's free at liveratrechallenge dot com and it just takes

84
00:03:39,160 --> 00:03:42,800
Speaker 3: you step by step through a savings challenge.

85
00:03:42,800 --> 00:03:43,800
Speaker 2: That's what it is this year.

86
00:03:44,280 --> 00:03:48,280
Speaker 3: And like at the end of doing the challenges, people

87
00:03:48,280 --> 00:03:49,600
Speaker 3: always ask me for more.

88
00:03:49,640 --> 00:03:52,440
Speaker 2: They're like, hey, Tiffany, you know I really this is great.

89
00:03:52,480 --> 00:03:54,320
Speaker 3: I learned how to save, and I learned how to budget,

90
00:03:54,320 --> 00:03:56,080
Speaker 3: and you've taught me the basics, but I want more.

91
00:03:56,080 --> 00:03:58,440
Speaker 3: I want to learn how to invest, which quite honestly,

92
00:03:58,560 --> 00:04:04,040
Speaker 3: that's not my suit. Student loans, credit beyond the basics,

93
00:04:04,040 --> 00:04:07,880
Speaker 3: and stuff like that, like relationships and money even traveling money.

94
00:04:08,000 --> 00:04:10,240
Speaker 3: So these are things that I'm not an expert in,

95
00:04:10,280 --> 00:04:11,920
Speaker 3: so I didn't want to pretend and be like, sure,

96
00:04:11,960 --> 00:04:14,600
Speaker 3: i'll teach you. So, but I do have expert friends

97
00:04:14,640 --> 00:04:17,000
Speaker 3: and sidebar, Mandy's totally going to be an instructor, she

98
00:04:17,080 --> 00:04:17,640
Speaker 3: just doesn't.

99
00:04:17,440 --> 00:04:19,040
Speaker 2: Know it anyway.

100
00:04:19,560 --> 00:04:21,880
Speaker 3: So I do have expert friends, and so I tapped

101
00:04:21,880 --> 00:04:24,320
Speaker 3: into some of them. If it asked, they would do

102
00:04:24,440 --> 00:04:28,440
Speaker 3: some online courses and like tape them, videotape them and

103
00:04:28,480 --> 00:04:31,039
Speaker 3: then write them out and create like some homework and

104
00:04:31,040 --> 00:04:32,560
Speaker 3: stuff for it, and they said yes. So for the

105
00:04:32,600 --> 00:04:35,839
Speaker 3: last six months, my friends from around the country. We

106
00:04:35,960 --> 00:04:40,080
Speaker 3: have someone in Colorado, a friend in Atlanta, Chicago. They've

107
00:04:40,120 --> 00:04:42,120
Speaker 3: been taping and writing their courses and right now there

108
00:04:42,120 --> 00:04:45,640
Speaker 3: are nine courses up, and there's travel on a budget,

109
00:04:45,880 --> 00:04:49,440
Speaker 3: relationships and money to investment courses. And I put it

110
00:04:49,480 --> 00:04:53,560
Speaker 3: all under this project called the Live Richer Academy, basically

111
00:04:53,880 --> 00:04:59,520
Speaker 3: like an online fun financial school. And originally I was

112
00:04:59,560 --> 00:05:03,520
Speaker 3: gonna make the Academy to be about like twenty four

113
00:05:03,760 --> 00:05:05,960
Speaker 3: ninety nine a month. That was like my original plan

114
00:05:06,000 --> 00:05:08,920
Speaker 3: because talking to like my my business coach friends and.

115
00:05:08,839 --> 00:05:11,440
Speaker 2: Stuff, and I don't know.

116
00:05:11,480 --> 00:05:12,920
Speaker 3: I just woke up one day and I felt weird

117
00:05:12,960 --> 00:05:14,599
Speaker 3: about it because I thought, like that's just too much.

118
00:05:15,120 --> 00:05:17,240
Speaker 2: Like I know my audience and I know what they

119
00:05:17,279 --> 00:05:17,880
Speaker 2: can afford.

120
00:05:18,040 --> 00:05:21,400
Speaker 3: And then I've decided to for two thousand of them

121
00:05:21,680 --> 00:05:24,320
Speaker 3: to drop it to nine ninety nine a month, like just.

122
00:05:24,320 --> 00:05:25,520
Speaker 2: Under ten bucks.

123
00:05:25,560 --> 00:05:28,520
Speaker 3: And we launched on Wednesday, and I didn't think anything

124
00:05:28,520 --> 00:05:30,119
Speaker 3: of it. I just was like, Okay, you know, guys,

125
00:05:30,520 --> 00:05:32,800
Speaker 3: I knew when I was struggling financially, I couldn't pay

126
00:05:32,800 --> 00:05:35,120
Speaker 3: twenty four ninety nine a month. So I'm just gonna

127
00:05:35,160 --> 00:05:37,080
Speaker 3: drop it to nine ninety nine for two thousand folks,

128
00:05:37,120 --> 00:05:39,560
Speaker 3: thinking like, you know, we'll get like, I don't know,

129
00:05:39,640 --> 00:05:42,320
Speaker 3: five hundred and six hundred sign up, uh Mandy the

130
00:05:43,160 --> 00:05:46,839
Speaker 3: eight am and like so like I have a Facebook

131
00:05:46,880 --> 00:05:49,640
Speaker 3: group where the Live Ritual Challenge people kind of like

132
00:05:49,680 --> 00:05:52,599
Speaker 3: hang out and we help each other daily. And at

133
00:05:52,640 --> 00:05:54,800
Speaker 3: eight am, so they're there, I'm seeing them, like right

134
00:05:54,800 --> 00:05:56,919
Speaker 3: in the group at eight am. Yo, I'm up, I

135
00:05:56,960 --> 00:05:59,039
Speaker 3: said the alarm y'all ain't getting my spot. I'm like,

136
00:05:59,080 --> 00:05:59,960
Speaker 3: it's two thousand spot.

137
00:06:00,080 --> 00:06:02,880
Speaker 1: They're not gonna go right at smart marketing.

138
00:06:03,680 --> 00:06:04,960
Speaker 2: But honestly, it wasn't even that.

139
00:06:04,960 --> 00:06:07,479
Speaker 3: That's so that if anybody knows me, they know that

140
00:06:07,520 --> 00:06:10,320
Speaker 3: I tumble into everything that wasn't even marketing. I really

141
00:06:10,520 --> 00:06:12,919
Speaker 3: was like, I just like, it's like I couldn't sleep.

142
00:06:13,000 --> 00:06:15,000
Speaker 3: I was like Tiffany twenty four ninety nine. It's too

143
00:06:15,080 --> 00:06:18,359
Speaker 3: much the average DreamCatcher. That's the that's the name that

144
00:06:18,360 --> 00:06:20,600
Speaker 3: we give ourselves in the group. They can't afford that,

145
00:06:20,800 --> 00:06:23,039
Speaker 3: you know, And so I just it just didn't sit

146
00:06:23,080 --> 00:06:23,560
Speaker 3: well with me.

147
00:06:23,600 --> 00:06:25,720
Speaker 2: And I'm like an overly emotional person.

148
00:06:25,839 --> 00:06:28,000
Speaker 3: I'm a libra and if it doesn't sit well, it's

149
00:06:28,040 --> 00:06:31,000
Speaker 3: like I can't I can't function if I don't feel

150
00:06:31,000 --> 00:06:33,560
Speaker 3: like something's not right. And so literally it wasn't even

151
00:06:33,560 --> 00:06:36,160
Speaker 3: a marketing point. It was just Tiffany dropped the dag

152
00:06:36,160 --> 00:06:38,160
Speaker 3: on price already, you know you don't feel right, and

153
00:06:38,200 --> 00:06:41,120
Speaker 3: so I did, and so as a result it ended

154
00:06:41,200 --> 00:06:45,000
Speaker 3: up being good marketing. I was like, whoa eight oh one, Mandy,

155
00:06:45,440 --> 00:06:46,880
Speaker 3: I try to log onto the site and I'm like,

156
00:06:46,920 --> 00:06:49,359
Speaker 3: oh my god, I think I messed up, Like the

157
00:06:49,440 --> 00:06:52,680
Speaker 3: site wouldn't like load. It's because they damn near broke it.

158
00:06:52,760 --> 00:06:55,200
Speaker 3: At eight oh one, one hundred and thirty people signed out.

159
00:06:55,480 --> 00:06:59,279
Speaker 3: Aight oh two two hundred maybe by eight thirty a

160
00:06:59,279 --> 00:07:03,520
Speaker 3: little over three, and by nine o'clock a thousand people

161
00:07:03,560 --> 00:07:04,160
Speaker 3: had signed up.

162
00:07:04,160 --> 00:07:05,880
Speaker 2: I was like, are you freaking kide?

163
00:07:07,520 --> 00:07:11,000
Speaker 3: And by like right, by a little over twenty four hours,

164
00:07:11,000 --> 00:07:13,680
Speaker 3: So like by day two, before the end of day two,

165
00:07:14,120 --> 00:07:16,520
Speaker 3: we had already sold out of the two thousand spots,

166
00:07:16,800 --> 00:07:19,720
Speaker 3: and then people started emailing me like, Tiffany, I just

167
00:07:19,760 --> 00:07:21,840
Speaker 3: made up an arbitrary number two thousand because I just

168
00:07:21,840 --> 00:07:23,880
Speaker 3: figured we're not getting two thousand. I'll just say that

169
00:07:24,200 --> 00:07:26,560
Speaker 3: and people were emailing me like, oh please, I can't

170
00:07:26,560 --> 00:07:29,520
Speaker 3: afford the twenty four ninety nine, can you like lower it?

171
00:07:29,560 --> 00:07:31,440
Speaker 3: So I said, you know what, I'm just going to

172
00:07:31,760 --> 00:07:35,040
Speaker 3: keep it at nine ninety nine for registration just period.

173
00:07:35,280 --> 00:07:39,640
Speaker 3: It's from Wednesday to Wednesday. So registration closes Wednesday, the

174
00:07:39,720 --> 00:07:42,520
Speaker 3: sixteenth of March, and then I don't know when I'm

175
00:07:42,520 --> 00:07:44,360
Speaker 3: going to open back up registration. I just want to

176
00:07:44,360 --> 00:07:45,680
Speaker 3: really take care of the students we have.

177
00:07:45,840 --> 00:07:47,680
Speaker 2: But yeah, so I.

178
00:07:47,600 --> 00:07:49,360
Speaker 3: Don't even know how many people were gonna get But

179
00:07:50,000 --> 00:07:52,080
Speaker 3: and I've been nervous about the feedback, but honestly, the

180
00:07:52,080 --> 00:07:54,640
Speaker 3: feedback has been amazing. People have been like writing me

181
00:07:54,720 --> 00:07:57,840
Speaker 3: telling me how much they're enjoying the classes, how much

182
00:07:57,880 --> 00:07:59,080
Speaker 3: they really like the instructors.

183
00:07:59,440 --> 00:08:01,320
Speaker 2: It's just freaking crazy.

184
00:08:01,720 --> 00:08:04,640
Speaker 3: So I'm just really excited about this next level because

185
00:08:04,680 --> 00:08:07,320
Speaker 3: what this means is that those people who have been

186
00:08:07,320 --> 00:08:09,360
Speaker 3: writing with me and who have learned how to do

187
00:08:09,440 --> 00:08:12,920
Speaker 3: the basic financial stuff that I've taught them, now I

188
00:08:13,040 --> 00:08:16,680
Speaker 3: can I can show them, not me technically personally, but

189
00:08:16,800 --> 00:08:19,120
Speaker 3: I can. I have the ability now to help push

190
00:08:19,200 --> 00:08:21,160
Speaker 3: them to the next level. And I can do so

191
00:08:21,400 --> 00:08:23,720
Speaker 3: where it doesn't hurt them financially, like I'm not a

192
00:08:23,760 --> 00:08:26,160
Speaker 3: financial burden. That's always like my biggest thing, Like I

193
00:08:26,160 --> 00:08:27,440
Speaker 3: don't want to take from anyone.

194
00:08:27,480 --> 00:08:29,360
Speaker 2: I want to make sure that you're good. That's the

195
00:08:29,360 --> 00:08:31,080
Speaker 2: purpose of my business.

196
00:08:31,120 --> 00:08:33,960
Speaker 3: And so if you're interested, you certainly can join us

197
00:08:34,000 --> 00:08:38,800
Speaker 3: at the Liverature Academy at live richeracademy dot com. We're

198
00:08:38,840 --> 00:08:42,720
Speaker 3: totally rocking out. There's three main components. We have an

199
00:08:42,800 --> 00:08:45,160
Speaker 3: off Facebook private form where we all hang out.

200
00:08:45,800 --> 00:08:46,560
Speaker 2: We have the.

201
00:08:46,480 --> 00:08:50,120
Speaker 3: Pre taped and pre recorded courses, and then once or

202
00:08:50,160 --> 00:08:52,120
Speaker 3: twice a month, we're gonna have a live course. This

203
00:08:52,160 --> 00:08:53,520
Speaker 3: is where I want you to come and Mandy, unless

204
00:08:53,520 --> 00:08:55,600
Speaker 3: you want to write a full course is I'm gonna

205
00:08:55,600 --> 00:08:59,320
Speaker 3: be interviewing my like financial friends from around the country

206
00:08:59,520 --> 00:09:02,880
Speaker 3: and a live video like a chat, and you guys

207
00:09:02,920 --> 00:09:04,600
Speaker 3: can ask them questions so you can be like, oh

208
00:09:04,600 --> 00:09:06,360
Speaker 3: my god, you're having Mandy on. I totally want to

209
00:09:06,400 --> 00:09:08,360
Speaker 3: know this, this, this, and this, and you can come

210
00:09:08,400 --> 00:09:12,560
Speaker 3: on and pick her brain and yeah, it's just dope,

211
00:09:12,600 --> 00:09:15,120
Speaker 3: because I know some people like live stuff, some people

212
00:09:15,240 --> 00:09:16,600
Speaker 3: want to be able to work on their own, and

213
00:09:16,640 --> 00:09:17,840
Speaker 3: some people need a community.

214
00:09:17,960 --> 00:09:20,199
Speaker 2: So the teacher like, if you know me, I used

215
00:09:20,200 --> 00:09:22,199
Speaker 2: to be a school teacher. The teacher and me want to.

216
00:09:22,120 --> 00:09:25,280
Speaker 3: Provide three ways for you to learn, and yeah, the

217
00:09:25,400 --> 00:09:27,079
Speaker 3: Live Richer Academy dot com.

218
00:09:27,120 --> 00:09:27,880
Speaker 2: We're rocking out.

219
00:09:28,280 --> 00:09:29,360
Speaker 1: Oh I'm on the site right now.

220
00:09:29,400 --> 00:09:32,679
Speaker 3: Looks amazing, Isn't it so cute with a little like

221
00:09:33,360 --> 00:09:34,920
Speaker 3: I tried to make it like, oh my god, you

222
00:09:34,920 --> 00:09:39,040
Speaker 3: have no idea, Like ladies, Yes, I try to make

223
00:09:39,080 --> 00:09:40,480
Speaker 3: sure that like you see, like I try to make

224
00:09:40,480 --> 00:09:43,040
Speaker 3: sure to represent every color woman, like, Okay, I know

225
00:09:43,080 --> 00:09:45,959
Speaker 3: it's not all brown women, but like I just wanted

226
00:09:45,960 --> 00:09:47,360
Speaker 3: women to come and feel good.

227
00:09:47,200 --> 00:09:48,400
Speaker 2: About it, like, oh this is me.

228
00:09:48,520 --> 00:09:50,880
Speaker 3: She's talking to me and I'm learning and it's fun

229
00:09:51,000 --> 00:09:53,800
Speaker 3: and my sisters are here, and yeah, I just really

230
00:09:53,800 --> 00:09:57,320
Speaker 3: feel really proud of it because I really think like,

231
00:09:57,320 --> 00:09:59,720
Speaker 3: like this is going to really help.

232
00:09:59,640 --> 00:10:00,840
Speaker 2: Not just like me.

233
00:10:00,960 --> 00:10:03,960
Speaker 3: I'm taking the dagone investment courses and then women are

234
00:10:03,960 --> 00:10:06,439
Speaker 3: already like I love Mary. We have two investment teachers,

235
00:10:06,840 --> 00:10:09,679
Speaker 3: Mary who's like this older white lady from Colorado, and

236
00:10:09,679 --> 00:10:12,679
Speaker 3: then we have Maybell, who's this young Dominican girl from

237
00:10:13,000 --> 00:10:16,240
Speaker 3: from Brooklyn. So I'm really trying to get all types

238
00:10:16,280 --> 00:10:19,439
Speaker 3: of like dope women and some men too, hopefully from

239
00:10:19,480 --> 00:10:22,040
Speaker 3: around the country to just teach you what they know best.

240
00:10:22,080 --> 00:10:25,080
Speaker 3: And Mary is actually an instructure at the University of

241
00:10:25,080 --> 00:10:29,360
Speaker 3: Colorado for investing, and Maybell has her NBA and finance

242
00:10:29,400 --> 00:10:31,760
Speaker 3: and it's a financial analyst by trade. So I'm not

243
00:10:31,800 --> 00:10:35,239
Speaker 3: just choosing like random folks. Like everyone is either certified

244
00:10:35,400 --> 00:10:38,600
Speaker 3: working in this field. Thus it's for a living. So yeah,

245
00:10:38,600 --> 00:10:40,680
Speaker 3: everybody's really amazing. So Mandy, you have to tell me,

246
00:10:40,720 --> 00:10:42,000
Speaker 3: like what you want to come on and teach.

247
00:10:42,400 --> 00:10:44,520
Speaker 1: Oh, I'm so happy for you. This looks really cool.

248
00:10:45,040 --> 00:10:48,040
Speaker 1: Thanks Live Ritro Academy dot com.

249
00:10:51,600 --> 00:10:54,000
Speaker 3: What about you like besides so let me tell you

250
00:10:54,000 --> 00:10:56,000
Speaker 3: Mandy has this picture of her in this yellow dress

251
00:10:56,080 --> 00:10:57,840
Speaker 3: in dr which I'm like, oh my god, I have

252
00:10:57,880 --> 00:10:59,479
Speaker 3: to ask Mandy where she got that drugs.

253
00:11:00,760 --> 00:11:03,360
Speaker 1: You can I got it at Lulu dot com. Lulu wait,

254
00:11:03,440 --> 00:11:05,880
Speaker 1: Lulu or LULUs with an s. It's l oh yeah,

255
00:11:06,080 --> 00:11:08,520
Speaker 1: l u l u s dot com. Super cute. They

256
00:11:08,520 --> 00:11:12,360
Speaker 1: have really cute dresses. I'm just I was trying to

257
00:11:12,360 --> 00:11:14,560
Speaker 1: find like a place I could shop for clothes that

258
00:11:14,720 --> 00:11:17,200
Speaker 1: wasn't like my typical Gap or H and M or

259
00:11:17,200 --> 00:11:19,920
Speaker 1: for I'm just like sick of those stores. You know, yeah,

260
00:11:20,000 --> 00:11:21,920
Speaker 1: and I wanted some I wanted a nice dress because

261
00:11:21,920 --> 00:11:24,880
Speaker 1: we were doing we were doing some engagement photos, so.

262
00:11:26,679 --> 00:11:27,440
Speaker 2: It's so cute.

263
00:11:27,480 --> 00:11:29,240
Speaker 3: I was like, oh my god that first of all,

264
00:11:29,520 --> 00:11:31,360
Speaker 3: the shape is like everything on you. I'm like, oh

265
00:11:31,400 --> 00:11:34,200
Speaker 3: my god, Mandy looks man. And then you're like all brown.

266
00:11:34,320 --> 00:11:36,040
Speaker 2: Like I know, you guys are not necessarily friends with

267
00:11:36,080 --> 00:11:37,600
Speaker 2: Mandy on Facebook. You're lost.

268
00:11:37,960 --> 00:11:39,199
Speaker 1: No, I'm just Instagram.

269
00:11:39,679 --> 00:11:42,040
Speaker 3: Yeah, oh Mandy, when you what's your name on Instagram?

270
00:11:42,040 --> 00:11:44,520
Speaker 3: Because honestly, Mandy looks like everything in that dress. I'm like,

271
00:11:44,559 --> 00:11:45,480
Speaker 3: I love that dress.

272
00:11:46,960 --> 00:11:52,120
Speaker 1: Uh Instagram Mandy with an eye money, Mandy money. Yeah.

273
00:11:52,200 --> 00:11:54,960
Speaker 1: It was thank you, thank you, think well, thank you

274
00:11:55,040 --> 00:11:55,360
Speaker 1: very much.

275
00:11:55,440 --> 00:11:55,640
Speaker 2: Yeah.

276
00:11:55,679 --> 00:11:57,560
Speaker 1: I ordered a bunch of beach clothing that I will

277
00:11:57,559 --> 00:11:59,839
Speaker 1: never I have like to wait five months to wear

278
00:12:00,120 --> 00:12:03,600
Speaker 1: because it's not going to be summer here until like August. No,

279
00:12:03,679 --> 00:12:06,680
Speaker 1: it was really nice. Sometimes it's fun to treat yourself. Yeah,

280
00:12:06,800 --> 00:12:09,800
Speaker 1: take a little bit of that tax return money. Speaking

281
00:12:09,800 --> 00:12:13,959
Speaker 1: of which, I had an amazing experience with my CPA

282
00:12:14,040 --> 00:12:17,920
Speaker 1: from Yelp. I must say, oh, yes, do cow he

283
00:12:18,120 --> 00:12:20,439
Speaker 1: his name is Paul. He's super cool. He's just a

284
00:12:20,520 --> 00:12:22,920
Speaker 1: chill dude. I mean, he runs a local business out

285
00:12:22,920 --> 00:12:25,600
Speaker 1: of my neighborhood. He owns a house like two blocks

286
00:12:25,600 --> 00:12:28,120
Speaker 1: from where he lives works, and I mean I just

287
00:12:28,160 --> 00:12:30,080
Speaker 1: sat down with him and it took about half an hour,

288
00:12:30,160 --> 00:12:32,960
Speaker 1: and he you know, I'm not. I had. I had

289
00:12:32,960 --> 00:12:35,760
Speaker 1: a pretty sizeable tax refund this year, and I was like,

290
00:12:35,760 --> 00:12:38,400
Speaker 1: wait a second, why is it so much? And I

291
00:12:38,440 --> 00:12:39,839
Speaker 1: was like, look, can you look at last year's tax

292
00:12:39,840 --> 00:12:42,040
Speaker 1: return makes last year I ended up owing some money.

293
00:12:42,080 --> 00:12:44,000
Speaker 1: And he looked up my tax term from last year.

294
00:12:44,040 --> 00:12:47,880
Speaker 1: He's like, oh, yeah, you messed up and I was like, yeah,

295
00:12:47,920 --> 00:12:49,440
Speaker 1: I thought I might have because this is my first

296
00:12:49,559 --> 00:12:53,400
Speaker 1: year ever having stock from company stock and I reported

297
00:12:53,400 --> 00:12:55,319
Speaker 1: it incorrectly to make it look like I had earned

298
00:12:55,320 --> 00:12:58,760
Speaker 1: all this extra money that I hadn't actually, So he

299
00:12:58,800 --> 00:13:00,400
Speaker 1: fixed that for me and he's like, oh, here's two

300
00:13:00,440 --> 00:13:03,320
Speaker 1: thousand more dollars in your refund. And I was like, great,

301
00:13:03,440 --> 00:13:05,760
Speaker 1: you're awesome. I will be using every year forever.

302
00:13:06,320 --> 00:13:08,840
Speaker 2: That is awesome. I know you were like, wait a minute,

303
00:13:08,920 --> 00:13:12,280
Speaker 2: let me get some Lulu dresses. Well.

304
00:13:12,320 --> 00:13:14,400
Speaker 1: I hesitate to say that because I don't love the

305
00:13:14,440 --> 00:13:16,760
Speaker 1: idea of treating a tax refund as like, oh, I'm

306
00:13:16,800 --> 00:13:18,760
Speaker 1: gonna go like for my vacation for dr Like I

307
00:13:18,760 --> 00:13:21,000
Speaker 1: already had that money in savings. I don't like to

308
00:13:21,040 --> 00:13:23,800
Speaker 1: rely on the tax refund. Also, it's not like it's

309
00:13:23,840 --> 00:13:25,680
Speaker 1: not always the best sign if you get a huge

310
00:13:25,679 --> 00:13:30,360
Speaker 1: tax refund, because then yeah, you're maybe like not you're

311
00:13:30,400 --> 00:13:33,000
Speaker 1: you're paying too little in taxes or sorry, not paying

312
00:13:33,080 --> 00:13:35,319
Speaker 1: enough in taxes. Wait what am I trying to say?

313
00:13:35,520 --> 00:13:37,080
Speaker 2: No, you have paid tax renxemptions.

314
00:13:37,120 --> 00:13:40,239
Speaker 1: Wrong, Yeah, you're paying too much throughout the year. Yeah,

315
00:13:40,320 --> 00:13:42,520
Speaker 1: so you could maybe look at your adjustments or your

316
00:13:43,000 --> 00:13:46,199
Speaker 1: your exemptions and and talk it over with someone. But

317
00:13:46,520 --> 00:13:49,440
Speaker 1: other than that, I was happy, and I referred my friends.

318
00:13:49,480 --> 00:13:51,320
Speaker 1: I think he gave me a little discount for referring

319
00:13:51,360 --> 00:13:54,480
Speaker 1: my friends to him. They're like newly married and they

320
00:13:54,480 --> 00:13:57,360
Speaker 1: live in the neighborhood too, So go ahead, yelp, you

321
00:13:57,400 --> 00:13:58,200
Speaker 1: haven't failed me yet.

322
00:14:00,160 --> 00:14:00,480
Speaker 2: Family.

323
00:14:00,600 --> 00:14:03,559
Speaker 1: Nah, but again, I totally feel like you should get

324
00:14:03,840 --> 00:14:07,640
Speaker 1: a personal referral. YELP. Was just because none of my

325
00:14:07,679 --> 00:14:10,319
Speaker 1: friends actually have tax agents, you know.

326
00:14:10,320 --> 00:14:12,160
Speaker 3: And that's always that, you know. I guess I always

327
00:14:12,160 --> 00:14:13,640
Speaker 3: thought that was so weird to me. People are like, oh,

328
00:14:13,640 --> 00:14:15,800
Speaker 3: I don't have an accountant because you know, I guess

329
00:14:15,840 --> 00:14:17,839
Speaker 3: because I grew up my dad was an accountant, so

330
00:14:18,040 --> 00:14:20,440
Speaker 3: I've always had like, literally, i've had an accountant in

331
00:14:20,480 --> 00:14:23,040
Speaker 3: my whole life. And then when he was sick and

332
00:14:23,040 --> 00:14:25,680
Speaker 3: tired of doing my taxes for me, well one he

333
00:14:25,760 --> 00:14:27,400
Speaker 3: taught me how to use turbo tax and then he

334
00:14:27,440 --> 00:14:29,640
Speaker 3: would overview it like he would go over it. And

335
00:14:29,720 --> 00:14:33,000
Speaker 3: then I just didn't think to not have one. So

336
00:14:33,040 --> 00:14:35,560
Speaker 3: then a friend of mine was telling me about her accountant,

337
00:14:35,560 --> 00:14:37,280
Speaker 3: and I was like, okay, well you'll be my when

338
00:14:37,280 --> 00:14:39,080
Speaker 3: I was in my twenties, you'll be my accountant. But

339
00:14:39,440 --> 00:14:41,640
Speaker 3: I just thought of an accountant like a doctor because

340
00:14:42,160 --> 00:14:44,400
Speaker 3: my dad was one. But I think back on it now,

341
00:14:44,440 --> 00:14:46,040
Speaker 3: I guess a lot of people don't have accountants.

342
00:14:46,040 --> 00:14:47,800
Speaker 2: They just go to like H and R. Block and stuff,

343
00:14:47,800 --> 00:14:49,880
Speaker 2: and yeah.

344
00:14:49,280 --> 00:14:52,000
Speaker 1: I always hear like, oh yeah, well my uncle or

345
00:14:52,120 --> 00:14:53,720
Speaker 1: my mom. I always like a lot of my friends

346
00:14:53,840 --> 00:14:56,160
Speaker 1: use their parents accountants. They send their stuff to their parents.

347
00:14:56,200 --> 00:14:58,120
Speaker 1: I'm like, I didn't come from a family where that

348
00:14:58,240 --> 00:15:01,280
Speaker 1: was thing, like it was an miracle if someone did

349
00:15:01,280 --> 00:15:04,040
Speaker 1: their taxes on turbo tax. So yeah, for anyone who

350
00:15:04,120 --> 00:15:07,040
Speaker 1: started learning from scratch, I understand that, like it's a

351
00:15:07,120 --> 00:15:09,600
Speaker 1: it's a it's a it's a scary thing because you

352
00:15:09,600 --> 00:15:12,240
Speaker 1: don't know really who to trust. Yeah, but I'm glad

353
00:15:12,280 --> 00:15:20,280
Speaker 1: that's all behind me. Things are okay in Mandyland.

354
00:15:20,720 --> 00:15:22,040
Speaker 2: Look, everybody's doing.

355
00:15:21,920 --> 00:15:26,840
Speaker 1: Good enough about us. Let's talk about someone who's like

356
00:15:26,880 --> 00:15:31,120
Speaker 1: struggling with life right now, because I think it's so hilarious.

357
00:15:31,680 --> 00:15:34,520
Speaker 1: Uh have you heard?

358
00:15:35,560 --> 00:15:37,240
Speaker 2: No, what is going on with Viddy?

359
00:15:37,720 --> 00:15:41,520
Speaker 1: So he's bankrupt, he's he found that? Oh yeah, oh yeah,

360
00:15:41,560 --> 00:15:44,120
Speaker 1: he's been bankrupt. When did he fillow bankruptcy? It's been

361
00:15:44,160 --> 00:15:48,080
Speaker 1: a minute he's had he's had money issues for a while.

362
00:15:48,880 --> 00:15:51,040
Speaker 3: Like real money issues or pretend like you know, fifty

363
00:15:51,080 --> 00:15:51,960
Speaker 3: cent money issues.

364
00:15:52,200 --> 00:15:55,480
Speaker 1: Yes, No, like real like he's broke. Somehow he's broke.

365
00:15:55,680 --> 00:15:59,680
Speaker 1: Somehow He's still a millionaire, but he's broke. He's foiled bankruptcy.

366
00:16:00,200 --> 00:16:02,800
Speaker 1: I think wait, I think he followed bankruptcy back in

367
00:16:02,880 --> 00:16:05,680
Speaker 1: two thousand and seven. Anyway, he's back in bankruptcy court.

368
00:16:06,200 --> 00:16:09,200
Speaker 1: But here's the decision, here's the situation right now. Recently

369
00:16:09,240 --> 00:16:11,680
Speaker 1: he was on his Instagram account and there was photos

370
00:16:11,720 --> 00:16:14,720
Speaker 1: of him posing with not just like stacks of money,

371
00:16:15,520 --> 00:16:18,240
Speaker 1: like stacks of money laid out in the shape of

372
00:16:18,440 --> 00:16:22,600
Speaker 1: words like I think it was money laid out in

373
00:16:22,640 --> 00:16:26,120
Speaker 1: the form of like the word cash or something crazy

374
00:16:26,200 --> 00:16:29,720
Speaker 1: like just so you know, like extra ignorance. Oh no, no, no,

375
00:16:29,760 --> 00:16:32,200
Speaker 1: it's even worse than what I remembered. It's stacks of

376
00:16:32,320 --> 00:16:36,320
Speaker 1: bills spelled out, stacked up to spell out the word broke.

377
00:16:37,000 --> 00:16:40,200
Speaker 3: Like hall you want to be cute? You forgot that

378
00:16:40,240 --> 00:16:42,200
Speaker 3: the government has Instagram too, booboo.

379
00:16:42,200 --> 00:16:44,760
Speaker 1: Oh yeah, real cute. Not just that. On Valentine's Day

380
00:16:44,800 --> 00:16:47,080
Speaker 1: there's a picture of a box of chocolates, but instead

381
00:16:47,080 --> 00:16:51,960
Speaker 1: of chocolates, it's dollar bills wadded up. Here's the thing though,

382
00:16:52,000 --> 00:16:54,040
Speaker 1: So he's in bankruptcy court right now, and a judge

383
00:16:54,080 --> 00:16:56,840
Speaker 1: is interested in these photos. So you're trying the bankrupt

384
00:16:57,520 --> 00:17:00,280
Speaker 1: and yet you have all these money, Like all these

385
00:17:00,280 --> 00:17:01,640
Speaker 1: photos of you surrounded.

386
00:17:01,240 --> 00:17:04,000
Speaker 2: By what's of cash? Got them?

387
00:17:04,280 --> 00:17:07,120
Speaker 1: The Connecticut judge in Connecticut said she was concerned about

388
00:17:07,119 --> 00:17:10,040
Speaker 1: the allegations of lack of transparency in the case, and

389
00:17:10,080 --> 00:17:13,120
Speaker 1: she ordered the rapper to explain the pictures. He explained

390
00:17:13,119 --> 00:17:15,200
Speaker 1: it by saying, what I think is the best. It's

391
00:17:15,280 --> 00:17:17,520
Speaker 1: like my favorite sentence ever because it's so honest, and

392
00:17:17,560 --> 00:17:20,600
Speaker 1: I wish everybody who's ever thought the grass was greener

393
00:17:20,680 --> 00:17:24,240
Speaker 1: or thought that the Kardashians next door were living the

394
00:17:24,280 --> 00:17:27,479
Speaker 1: life that you should be leading. Sometimes it's just a lie,

395
00:17:27,840 --> 00:17:30,440
Speaker 1: he says. This is his quote. He said, just because

396
00:17:30,480 --> 00:17:33,680
Speaker 1: I'm photographed in or next to a certain vehicle, wearing

397
00:17:33,720 --> 00:17:36,399
Speaker 1: an article of clothing, holding a product, sitting next to

398
00:17:36,400 --> 00:17:38,800
Speaker 1: what appears to be large sums of money, or modeling

399
00:17:38,840 --> 00:17:41,880
Speaker 1: expensive pieces of jewelry does not mean that I own

400
00:17:42,000 --> 00:17:47,440
Speaker 1: everything in those photos. M like, I wish this. Are

401
00:17:47,440 --> 00:17:48,000
Speaker 1: you still there?

402
00:17:48,320 --> 00:17:49,240
Speaker 2: I am? Can you hear me?

403
00:17:50,200 --> 00:17:51,560
Speaker 3: Oh?

404
00:17:51,600 --> 00:17:51,919
Speaker 2: Hello?

405
00:17:52,080 --> 00:17:55,600
Speaker 1: Oh? Oh I might? Oh what just happened? I think

406
00:17:55,600 --> 00:17:57,359
Speaker 1: I hit the mute? But did you hear anything?

407
00:17:57,359 --> 00:18:02,000
Speaker 3: I was saying, yeah, I heard everything I wor dang

408
00:18:03,280 --> 00:18:05,719
Speaker 3: yeah or nothing.

409
00:18:05,760 --> 00:18:07,840
Speaker 1: I was like, this is awkwardness. You do not think

410
00:18:07,880 --> 00:18:09,159
Speaker 1: that's as exciting as I do.

411
00:18:09,400 --> 00:18:11,520
Speaker 2: No, I was like, oh my god, why I was

412
00:18:11,560 --> 00:18:12,600
Speaker 2: gasping and everything.

413
00:18:13,560 --> 00:18:15,520
Speaker 1: I'll just pretend that I heard you and just keep going.

414
00:18:15,640 --> 00:18:18,280
Speaker 1: It's quote. I love that quote because I feel like,

415
00:18:18,760 --> 00:18:20,560
Speaker 1: I mean, I just in This is for me. I

416
00:18:20,560 --> 00:18:22,879
Speaker 1: grew up like for a couple of years in high school.

417
00:18:22,880 --> 00:18:24,560
Speaker 1: I went to like a super ritzy high school and

418
00:18:24,600 --> 00:18:27,639
Speaker 1: a super night fancy neighborhood, and it was I was

419
00:18:27,880 --> 00:18:30,000
Speaker 1: my mom had just gotten divorced, and I was really broke,

420
00:18:30,080 --> 00:18:32,639
Speaker 1: and we were actually getting like driven to this school.

421
00:18:32,680 --> 00:18:34,560
Speaker 1: We weren't we didn't live in the district before. It

422
00:18:34,600 --> 00:18:36,680
Speaker 1: was before you like got kicked out not living in

423
00:18:36,720 --> 00:18:39,320
Speaker 1: the district or whatever. And I used to really feel

424
00:18:39,359 --> 00:18:43,000
Speaker 1: it like everyone around me was super rich, and it's

425
00:18:43,000 --> 00:18:44,720
Speaker 1: not always the case, Like I know a lot of

426
00:18:44,720 --> 00:18:47,720
Speaker 1: people whose families whose family has lost their houses during

427
00:18:47,720 --> 00:18:50,359
Speaker 1: the recession, and like all those fancy cars and all

428
00:18:50,480 --> 00:18:54,240
Speaker 1: the houses and stuff, like you never know what's actually happening,

429
00:18:54,520 --> 00:18:59,400
Speaker 1: happening to someone's actual bank account, yes, and fifty cent

430
00:18:59,640 --> 00:19:02,840
Speaker 1: just just epitomizes. And all these rappers, like I feel like,

431
00:19:03,080 --> 00:19:05,360
Speaker 1: not just them, but like Florid Mayweather, like all they

432
00:19:05,359 --> 00:19:07,959
Speaker 1: do is just take pictures of cash. And here's me

433
00:19:08,000 --> 00:19:10,359
Speaker 1: sitting in this car and that wearing that chain, and

434
00:19:10,760 --> 00:19:12,639
Speaker 1: I think it just sends the wrong message to people.

435
00:19:13,080 --> 00:19:15,440
Speaker 3: It does, but it's hard because especially for in the

436
00:19:15,520 --> 00:19:19,320
Speaker 3: music industry, for rappers, that's like part of the game.

437
00:19:19,640 --> 00:19:22,800
Speaker 3: And honestly, so my cousin when I was like, well

438
00:19:22,800 --> 00:19:25,640
Speaker 3: he's no longer like working, I don't know what he does.

439
00:19:25,640 --> 00:19:27,440
Speaker 3: But anyway, he was like one of the youngest music

440
00:19:27,480 --> 00:19:30,280
Speaker 3: executives in the nation. He's like twenty six and like

441
00:19:31,040 --> 00:19:33,840
Speaker 3: senior A and R for like Universal Records and stuff

442
00:19:33,880 --> 00:19:35,960
Speaker 3: like that. So I remember I had him come to

443
00:19:35,960 --> 00:19:38,560
Speaker 3: Newark because he's from West Orange and he was home,

444
00:19:38,600 --> 00:19:40,320
Speaker 3: so I had him come to Newark to talk to

445
00:19:40,359 --> 00:19:42,240
Speaker 3: the kid that the United Way, you know, at the

446
00:19:42,240 --> 00:19:45,440
Speaker 3: Boys and Girls Club because they wanted him to share.

447
00:19:45,240 --> 00:19:46,280
Speaker 2: Like, for example, my cousin.

448
00:19:46,280 --> 00:19:48,879
Speaker 3: He's the one that signed Katy Perry, for example, and

449
00:19:48,920 --> 00:19:51,720
Speaker 3: he's the one like Rihanna's first song like upon the replay,

450
00:19:52,080 --> 00:19:54,520
Speaker 3: he's the one that signed the guy that wrote that song.

451
00:19:54,720 --> 00:19:57,880
Speaker 2: So he was like really well versed in the music industry, and.

452
00:19:57,840 --> 00:20:02,040
Speaker 3: He was telling the kids, you know, none of those

453
00:20:02,240 --> 00:20:04,920
Speaker 3: artists you know, really had any money like this is

454
00:20:05,000 --> 00:20:05,639
Speaker 3: of course Rihanna.

455
00:20:05,680 --> 00:20:08,000
Speaker 2: Since then it's done, doing obviously much better.

456
00:20:08,040 --> 00:20:13,320
Speaker 3: But he was explaining that an artist doesn't make money.

457
00:20:13,000 --> 00:20:13,840
Speaker 2: For a long time.

458
00:20:14,680 --> 00:20:18,480
Speaker 3: That like for example of Rihanna, she comes out, the

459
00:20:18,600 --> 00:20:22,000
Speaker 3: label gives her money to produce her album, it's basically

460
00:20:22,080 --> 00:20:25,880
Speaker 3: it's alone. So the first few years if she's not selling,

461
00:20:26,400 --> 00:20:27,400
Speaker 3: you know, not only.

462
00:20:27,240 --> 00:20:29,160
Speaker 2: Does she owe, but she's broke too.

463
00:20:29,520 --> 00:20:31,639
Speaker 3: And so she might be in like a car or whatever,

464
00:20:31,960 --> 00:20:34,320
Speaker 3: you know, but it's not hers. And he was like,

465
00:20:34,359 --> 00:20:36,359
Speaker 3: it's so funny because a lot of times artists will

466
00:20:36,400 --> 00:20:42,320
Speaker 3: be on tour and the saxophone player, the DJ, the

467
00:20:42,400 --> 00:20:45,320
Speaker 3: you know, the guitar player, they actually are making more

468
00:20:45,320 --> 00:20:47,760
Speaker 3: money on that tour than the artist is because they

469
00:20:48,640 --> 00:20:50,960
Speaker 3: have a salary that's guaranteed and the artist is not.

470
00:20:51,280 --> 00:20:52,960
Speaker 3: And when he said it just hit me like, wow,

471
00:20:53,000 --> 00:20:55,160
Speaker 3: the saxophone player might be making one hundred thousand dollars

472
00:20:55,160 --> 00:20:58,440
Speaker 3: a year and the artist on stage that you love

473
00:20:58,480 --> 00:21:01,760
Speaker 3: so much has nothing negative, you know, fifty thousand dollars

474
00:21:01,800 --> 00:21:04,080
Speaker 3: or something. And I'm just like wow, he said. So

475
00:21:04,280 --> 00:21:06,439
Speaker 3: he was telling the kids, you know, everybody wants to

476
00:21:06,440 --> 00:21:09,159
Speaker 3: be in the front, he said, but typically it's the

477
00:21:09,200 --> 00:21:11,439
Speaker 3: people in the back that make the most amount of money.

478
00:21:11,600 --> 00:21:14,679
Speaker 3: That you know that that you shouldn't necessarily aspire to,

479
00:21:15,000 --> 00:21:15,959
Speaker 3: he said, you first were one.

480
00:21:15,960 --> 00:21:17,520
Speaker 2: You should just never aspire to fame.

481
00:21:18,040 --> 00:21:20,359
Speaker 3: You know, you should aspire to whatever your purpose and

482
00:21:20,400 --> 00:21:22,880
Speaker 3: your passion is, and you know, figure out a way

483
00:21:22,920 --> 00:21:25,399
Speaker 3: that you can be fairly compensated for it.

484
00:21:25,400 --> 00:21:26,760
Speaker 2: But I just thought that was so interesting.

485
00:21:26,880 --> 00:21:29,919
Speaker 3: And he was actually lifting rappers and I won't say who,

486
00:21:30,080 --> 00:21:31,840
Speaker 3: but at the time he was listing the ones that

487
00:21:31,880 --> 00:21:34,480
Speaker 3: he knew for sure were broke, and they were like what,

488
00:21:35,320 --> 00:21:35,679
Speaker 3: and they're like.

489
00:21:35,680 --> 00:21:38,400
Speaker 1: Yeah, I always hear about rappers going broke, Like jaw Rule,

490
00:21:38,560 --> 00:21:39,359
Speaker 1: wasn't he broke?

491
00:21:40,680 --> 00:21:40,880
Speaker 2: Oh?

492
00:21:40,960 --> 00:21:43,200
Speaker 1: What tea Pain? Didn't he something happened with tea Pain?

493
00:21:43,280 --> 00:21:45,000
Speaker 1: Or he just went to jail. I forget. I just

494
00:21:45,000 --> 00:21:48,080
Speaker 1: feel like, and it happens with with the athletes too.

495
00:21:48,800 --> 00:21:49,240
Speaker 2: For sure.

496
00:21:49,440 --> 00:21:50,639
Speaker 1: Get a bunch of money, you don't know what to

497
00:21:50,640 --> 00:21:52,919
Speaker 1: do with it. I saw something like I think it

498
00:21:53,000 --> 00:21:55,119
Speaker 1: was earlier this week. You know, Waka Flaka, is he

499
00:21:55,160 --> 00:21:56,000
Speaker 1: the vegan rapper?

500
00:21:56,119 --> 00:21:57,600
Speaker 2: Isn't even yes, yes he is.

501
00:21:58,040 --> 00:22:00,439
Speaker 1: He's got like hilarious vegan he does video where he

502
00:22:00,480 --> 00:22:04,560
Speaker 1: cooks vegan food. But one other thing he was telling

503
00:22:04,560 --> 00:22:05,920
Speaker 1: I think he was like a radio show. He was

504
00:22:05,960 --> 00:22:08,840
Speaker 1: talking about how when he visited Africa for the first time,

505
00:22:09,440 --> 00:22:12,000
Speaker 1: he when he saw just the devastation and the poverty there,

506
00:22:12,080 --> 00:22:15,640
Speaker 1: he decided it like it made him feel a much

507
00:22:15,680 --> 00:22:20,119
Speaker 1: different way about all the materialistic aspects of celebrity, like

508
00:22:20,160 --> 00:22:23,959
Speaker 1: the gold chain and the cars and the you know,

509
00:22:24,160 --> 00:22:26,960
Speaker 1: all that lifestyle, and so he stopped wearing all that,

510
00:22:27,080 --> 00:22:29,760
Speaker 1: like he says anyway, he stopped wearing the chains and

511
00:22:29,800 --> 00:22:32,119
Speaker 1: he stopped, you know, trying to put forth that image

512
00:22:32,119 --> 00:22:34,360
Speaker 1: of materialism, and I thought that was nice.

513
00:22:34,720 --> 00:22:38,520
Speaker 3: Yeah, you know, Waka Flocka really surprises me, honestly because

514
00:22:38,800 --> 00:22:41,040
Speaker 3: the fact that he went vegan. Did you see that

515
00:22:41,280 --> 00:22:43,480
Speaker 3: like YouTube video or whatever video with his friend where

516
00:22:43,480 --> 00:22:45,640
Speaker 3: he was making like vegan vegan muffins.

517
00:22:45,840 --> 00:22:47,320
Speaker 1: Yeah, yeah, yeah.

518
00:22:47,480 --> 00:22:48,920
Speaker 3: I was like, because you know, I just always just

519
00:22:49,000 --> 00:22:51,119
Speaker 3: kind of wrote him off as like I don't know,

520
00:22:51,280 --> 00:22:54,840
Speaker 3: like you know, one of those rappers, like ignorant rappers.

521
00:22:54,840 --> 00:22:56,959
Speaker 3: But I was like, look at Wappa Poker. He got

522
00:22:57,000 --> 00:22:58,160
Speaker 3: a little bit of a heart there.

523
00:22:59,680 --> 00:23:01,840
Speaker 1: I feel like veganism is a hip hop thing now,

524
00:23:02,200 --> 00:23:04,440
Speaker 1: Like doesn't DJ College talk about I don't know, he's

525
00:23:04,480 --> 00:23:06,320
Speaker 1: kind of doesn't col talk like.

526
00:23:06,480 --> 00:23:08,719
Speaker 2: Healthy, yes, somebody.

527
00:23:08,760 --> 00:23:10,480
Speaker 3: I think. It was like it's him and Kevin Hart

528
00:23:10,480 --> 00:23:12,840
Speaker 3: are friends, and he was like DJ Calla is the

529
00:23:12,880 --> 00:23:14,800
Speaker 3: only person I know always working out and stay fat.

530
00:23:16,240 --> 00:23:17,879
Speaker 1: I was just thinking, as I would say, but he's

531
00:23:17,960 --> 00:23:21,320
Speaker 1: kind of chunky though. Jay Z and Beyonce one vegan,

532
00:23:21,680 --> 00:23:24,280
Speaker 1: I need more power to you veganism is also expensive.

533
00:23:24,320 --> 00:23:28,040
Speaker 1: They probably have chefs cooking for them. Yeah, did you

534
00:23:28,080 --> 00:23:31,600
Speaker 1: see did you see Malia and Sasha at oh White

535
00:23:31,640 --> 00:23:32,480
Speaker 1: House state dinner?

536
00:23:34,080 --> 00:23:36,239
Speaker 3: First of all, I love both their dresses, and it

537
00:23:36,280 --> 00:23:39,360
Speaker 3: really seems to reflect their personality, Like you know, Malia

538
00:23:39,600 --> 00:23:41,960
Speaker 3: is like the classic kind of like quiet beauty, and

539
00:23:42,000 --> 00:23:46,439
Speaker 3: Sasha is like all that sad and I love their dresses.

540
00:23:46,480 --> 00:23:48,879
Speaker 3: They just look so pretty and so age appropriate and

541
00:23:49,000 --> 00:23:51,280
Speaker 3: just like, I just love it. It seems like they

542
00:23:51,280 --> 00:23:53,520
Speaker 3: were able to be like I just I can be myself,

543
00:23:53,720 --> 00:23:55,719
Speaker 3: but of course I'm appropriate for the dinner, but they

544
00:23:55,720 --> 00:23:56,680
Speaker 3: looked beautiful.

545
00:23:57,000 --> 00:23:59,400
Speaker 1: I'm gonna miss them. I just I feel like we're

546
00:23:59,400 --> 00:24:01,840
Speaker 1: only just starting to see them blossom as young women,

547
00:24:01,880 --> 00:24:05,160
Speaker 1: and we're not gonna, like, unless they, you know, decide

548
00:24:05,240 --> 00:24:06,760
Speaker 1: they live a life in the public eye, We're not

549
00:24:06,800 --> 00:24:08,879
Speaker 1: gonna see them anymore.

550
00:24:08,760 --> 00:24:11,119
Speaker 3: I know, And they've just grown into like it's just

551
00:24:11,280 --> 00:24:14,000
Speaker 3: I was really especially like to me, Malia has looked

552
00:24:14,040 --> 00:24:16,639
Speaker 3: the same it was to me. I'm just looking at

553
00:24:16,680 --> 00:24:19,360
Speaker 3: Sasha like, wow, she's just really growing up because she's

554
00:24:19,680 --> 00:24:21,920
Speaker 3: fourteen now, and when they were in a White House.

555
00:24:21,720 --> 00:24:22,359
Speaker 2: Like how old was she?

556
00:24:22,520 --> 00:24:23,560
Speaker 1: Like seven?

557
00:24:24,119 --> 00:24:24,280
Speaker 2: Oh?

558
00:24:24,359 --> 00:24:27,040
Speaker 3: My gosh, and I'm just like, they're just both so beautiful.

559
00:24:27,400 --> 00:24:29,520
Speaker 3: Like I could see so much of Michelle and Malia

560
00:24:29,600 --> 00:24:32,960
Speaker 3: and you know, and like so much of President Obama

561
00:24:33,000 --> 00:24:35,680
Speaker 3: and Sasha and just yeah, they're just coming into their

562
00:24:35,680 --> 00:24:36,960
Speaker 3: own and they just look so cute.

563
00:24:37,720 --> 00:24:40,480
Speaker 1: I just feel like when you think about class in politics,

564
00:24:41,040 --> 00:24:43,800
Speaker 1: class and presidencies, you're gonna think about the Obamas like

565
00:24:43,880 --> 00:24:46,840
Speaker 1: they have exuded nothing but class. When when have they

566
00:24:46,840 --> 00:24:50,040
Speaker 1: ever stepped the toe out of the classy the classy section,

567
00:24:50,200 --> 00:24:52,320
Speaker 1: you know. And this is against the backdrop of whatever's

568
00:24:52,320 --> 00:24:54,760
Speaker 1: happening right now in the political race. Like, I think

569
00:24:54,760 --> 00:24:58,000
Speaker 1: we're all gonna appreciate them so much more after, you know,

570
00:24:58,200 --> 00:24:59,480
Speaker 1: after twenty sixteen is over.

571
00:25:00,280 --> 00:25:01,280
Speaker 2: Yeah, I think so too.

572
00:25:01,359 --> 00:25:04,720
Speaker 3: I Mean, I'm honestly not looking forward to the upcoming

573
00:25:04,800 --> 00:25:05,840
Speaker 3: presidential election.

574
00:25:06,680 --> 00:25:08,879
Speaker 1: We'll see what happens. I was happy to see. So

575
00:25:08,960 --> 00:25:11,080
Speaker 1: Trump had like a rally in Chicago on Friday.

576
00:25:11,520 --> 00:25:12,600
Speaker 2: Yeah, they weren't having it.

577
00:25:12,720 --> 00:25:14,680
Speaker 1: They weren't well, you know, on the one hand, and

578
00:25:14,680 --> 00:25:16,840
Speaker 1: it sat on the other hand, it's like finally, but

579
00:25:17,240 --> 00:25:21,280
Speaker 1: apparently protesters and Trump supporters clashed at this big event,

580
00:25:21,320 --> 00:25:23,720
Speaker 1: thousands of supporters and they decided it was too unsafe

581
00:25:23,760 --> 00:25:26,920
Speaker 1: to continue. This was kind of a boiling overpoint because

582
00:25:27,000 --> 00:25:28,280
Speaker 1: during the week there were all these and not just

583
00:25:28,400 --> 00:25:30,080
Speaker 1: during the week, but the past couple of months there's

584
00:25:30,080 --> 00:25:33,840
Speaker 1: been these clips of protesters, peaceful protesters at Trump rallies

585
00:25:33,880 --> 00:25:38,520
Speaker 1: being physically assaulted by Trump supporters. And I had just

586
00:25:38,560 --> 00:25:41,399
Speaker 1: seen someone posted a clip of this, like older maybe

587
00:25:41,440 --> 00:25:43,000
Speaker 1: I think it was a seventy or eighty year old

588
00:25:43,040 --> 00:25:47,520
Speaker 1: white guy who just, for no reason, a black Trump protester,

589
00:25:47,640 --> 00:25:50,000
Speaker 1: a black man was walking getting escorted out of this

590
00:25:50,119 --> 00:25:54,119
Speaker 1: arena by cops or by somebody security or whatever. This

591
00:25:54,200 --> 00:25:56,240
Speaker 1: guy just reaches out and just like clocks him in

592
00:25:56,240 --> 00:25:57,840
Speaker 1: the face for no reason.

593
00:25:57,960 --> 00:25:58,200
Speaker 2: Aw.

594
00:25:58,760 --> 00:26:01,280
Speaker 1: And then he's interviewed on Inside Edition. Don't see why

595
00:26:01,320 --> 00:26:04,239
Speaker 1: they were interviewing him, like this entertainment website, but he

596
00:26:04,320 --> 00:26:06,240
Speaker 1: was saying like, yeah, next time he comes back, maybe

597
00:26:06,240 --> 00:26:07,080
Speaker 1: we got to kill him.

598
00:26:07,680 --> 00:26:08,080
Speaker 2: Wow.

599
00:26:09,280 --> 00:26:13,040
Speaker 3: This this, this is the type of sentiment that is

600
00:26:13,160 --> 00:26:16,840
Speaker 3: making these type of people are what are pushing Donald

601
00:26:16,880 --> 00:26:19,040
Speaker 3: Trump to the forefront. You know, it's just honestly, it's

602
00:26:19,080 --> 00:26:21,240
Speaker 3: really scary. Like at first I thought, oh, it's funny,

603
00:26:21,320 --> 00:26:23,760
Speaker 3: like this whole Trump thing, but then it's become really

604
00:26:23,760 --> 00:26:29,359
Speaker 3: scary because people have found an outlet for their their hate,

605
00:26:29,520 --> 00:26:33,359
Speaker 3: their just egregious hate, and they found an outlet for

606
00:26:33,400 --> 00:26:36,760
Speaker 3: their ignorance. And you know, Trump thinks like it's nothing,

607
00:26:36,800 --> 00:26:39,919
Speaker 3: But I'm like, make America great. Honestly, you're making America

608
00:26:40,000 --> 00:26:40,919
Speaker 3: a scary place.

609
00:26:41,960 --> 00:26:46,800
Speaker 1: It's sad, it's tapping into all the gross, ye hateful, disgusting.

610
00:26:46,880 --> 00:26:48,760
Speaker 1: It makes me feel it just makes me feel sad

611
00:26:48,800 --> 00:26:50,560
Speaker 1: and tired, very sad, very tired.

612
00:26:50,920 --> 00:26:53,480
Speaker 3: Right, they've made it like Trump has made it very

613
00:26:53,520 --> 00:26:56,040
Speaker 3: cool to be a hateful person out loud and in public.

614
00:26:56,640 --> 00:26:58,359
Speaker 1: And the but I don't get is like he's not

615
00:26:58,520 --> 00:27:02,160
Speaker 1: for these people, like the people who poor Trump are poor, uneducated,

616
00:27:02,240 --> 00:27:03,439
Speaker 1: He's not for them.

617
00:27:03,680 --> 00:27:05,400
Speaker 2: He's no, I don't get.

618
00:27:05,480 --> 00:27:07,719
Speaker 3: I'm like, you don't get it, Like you might as

619
00:27:07,720 --> 00:27:10,080
Speaker 3: well be black or Mexican or Muslims at him.

620
00:27:10,119 --> 00:27:11,480
Speaker 2: He don't even care about you.

621
00:27:11,480 --> 00:27:13,200
Speaker 1: You have nothing to offer him. He does not care

622
00:27:13,240 --> 00:27:16,240
Speaker 1: about lowering your texes. He's a Republican, like all he

623
00:27:16,280 --> 00:27:17,879
Speaker 1: wants to do is make things easier for the rich.

624
00:27:17,920 --> 00:27:21,040
Speaker 1: And I only see republican. But he's a billionaire yeah

625
00:27:21,160 --> 00:27:25,000
Speaker 1: point oh one percenter, Like I you know, that not that,

626
00:27:25,560 --> 00:27:27,240
Speaker 1: not that I'm trying to say, like who people should

627
00:27:27,320 --> 00:27:29,080
Speaker 1: vote for, but I'm just saying, look at the read

628
00:27:29,520 --> 00:27:31,840
Speaker 1: read just open it, open a website, go to go

629
00:27:31,880 --> 00:27:34,399
Speaker 1: to the fact checking sites dot com or whatever it is.

630
00:27:34,400 --> 00:27:36,880
Speaker 1: I forget what it's called PolitiFact dot com. I think

631
00:27:36,880 --> 00:27:39,000
Speaker 1: where they actually fact check with all the candidates say,

632
00:27:39,040 --> 00:27:41,159
Speaker 1: and like, over three quarters of the things that come

633
00:27:41,200 --> 00:27:43,440
Speaker 1: out of his mouth are not true. And I don't

634
00:27:43,520 --> 00:27:48,479
Speaker 1: understand how people are are you know whatever, hitching your

635
00:27:48,520 --> 00:27:51,040
Speaker 1: card to his horse or however it goes, however the

636
00:27:51,040 --> 00:27:56,760
Speaker 1: saying goes. It's depressing to me. But in uh, in

637
00:27:56,920 --> 00:28:00,800
Speaker 1: non suppressing news, maybe this is also depressed. I'm not sure.

638
00:28:01,400 --> 00:28:04,960
Speaker 1: Did you see the new trailer for Ghostbusters? I have not,

639
00:28:12,320 --> 00:28:14,560
Speaker 1: so you know this, So there's it's it's first of all,

640
00:28:14,600 --> 00:28:16,879
Speaker 1: it's controversial because they're doing an all female cast for

641
00:28:16,920 --> 00:28:20,119
Speaker 1: the reboot. It's gonna be it's gonna like an SNL cast.

642
00:28:20,160 --> 00:28:24,000
Speaker 1: You got Kristen wigg and you have kat Kate McKinnon,

643
00:28:24,000 --> 00:28:28,920
Speaker 1: who's hilarious. And then oh, shoot, shoot shoot, Melissa McCarthy

644
00:28:29,359 --> 00:28:32,720
Speaker 1: as the ghost posters. She's hilarious, she's so funny. They're

645
00:28:32,760 --> 00:28:35,159
Speaker 1: all funny. But then they added Leslie Jones, who was

646
00:28:35,320 --> 00:28:37,600
Speaker 1: is one of two black women on SNL right now,

647
00:28:37,760 --> 00:28:41,680
Speaker 1: like really funny comedian as a character on Ghostbusters. But

648
00:28:41,720 --> 00:28:43,280
Speaker 1: they didn't really tell us what her character was going

649
00:28:43,360 --> 00:28:46,360
Speaker 1: to be until the trailer came out. Okay, and you

650
00:28:46,440 --> 00:28:49,000
Speaker 1: have the three Ghostbusters who are scientists, and then Leslie

651
00:28:49,080 --> 00:28:52,440
Speaker 1: Jones is an MTA worker works for the subway system

652
00:28:52,480 --> 00:28:55,760
Speaker 1: for New York and people were taking issue with that, saying,

653
00:28:55,880 --> 00:28:57,840
Speaker 1: why can't you make the only black women in this

654
00:28:57,920 --> 00:29:01,640
Speaker 1: cast also a scientist? And while on the one hand,

655
00:29:01,760 --> 00:29:04,239
Speaker 1: I can see the argument, on the other hand, I'm like,

656
00:29:04,720 --> 00:29:07,040
Speaker 1: first of all, I'm I'm so annoyed that we have

657
00:29:07,160 --> 00:29:09,240
Speaker 1: to we have to first of all, this is movie

658
00:29:09,320 --> 00:29:11,240
Speaker 1: is not going to win an Oscar. It's Ghostbusters two

659
00:29:11,840 --> 00:29:13,800
Speaker 1: or three or four or whatever. It is, Like, this

660
00:29:13,880 --> 00:29:16,480
Speaker 1: is not the height of filmmaking in America. And I

661
00:29:16,520 --> 00:29:18,360
Speaker 1: hate that we have to put pressure on this stupid

662
00:29:18,400 --> 00:29:21,880
Speaker 1: comedy to offer a role for a woman of color

663
00:29:21,920 --> 00:29:23,720
Speaker 1: that is, you know, of the statue that we think

664
00:29:23,800 --> 00:29:26,280
Speaker 1: women of color deserve because they're not getting it anywhere else.

665
00:29:26,800 --> 00:29:30,680
Speaker 1: So I don't I feel like all the like the

666
00:29:30,720 --> 00:29:33,440
Speaker 1: people that are saying that, you know, this filmmaker is

667
00:29:33,480 --> 00:29:37,080
Speaker 1: just sort of like pigeonholing her into a stereotype, like

668
00:29:37,080 --> 00:29:39,400
Speaker 1: a working class black woman. On the other hand, I

669
00:29:39,400 --> 00:29:41,480
Speaker 1: feel like, why are we putting like it shouldn't be

670
00:29:41,560 --> 00:29:44,400
Speaker 1: this way that like this dumb comedy has to be.

671
00:29:45,040 --> 00:29:47,360
Speaker 3: I know what you mean, because you just want, like,

672
00:29:47,640 --> 00:29:49,400
Speaker 3: you know, like why not go for like I mean,

673
00:29:49,440 --> 00:29:52,120
Speaker 3: it's almost like if you were like saying, like, you know,

674
00:29:52,200 --> 00:29:55,040
Speaker 3: like a movie like a you know, Snakes on a Plane,

675
00:29:55,040 --> 00:29:57,440
Speaker 3: You're like, well, what about You're like, honestly, it's snakes

676
00:29:57,440 --> 00:29:59,640
Speaker 3: on the plane, Like this is not I mean, I

677
00:29:59,680 --> 00:30:03,640
Speaker 3: get it, but let's save our energy for like things

678
00:30:03,680 --> 00:30:07,120
Speaker 3: that you know, just mean a little bit more or

679
00:30:07,320 --> 00:30:09,680
Speaker 3: have maybe more meaningful content. But I get what you're saying,

680
00:30:10,040 --> 00:30:11,560
Speaker 3: but I have to say at the same time, I

681
00:30:11,560 --> 00:30:14,280
Speaker 3: guess I don't know. That's probably my my brown break

682
00:30:14,280 --> 00:30:16,440
Speaker 3: when we get into it. You know, you just inspired

683
00:30:16,480 --> 00:30:17,880
Speaker 3: me for that, so I'll save it for then.

684
00:30:17,960 --> 00:30:19,920
Speaker 2: But yeah, well, what you.

685
00:30:19,880 --> 00:30:21,440
Speaker 1: Can do is you can take your money and spend

686
00:30:21,440 --> 00:30:23,200
Speaker 1: it on that new movie we talked about last week,

687
00:30:23,280 --> 00:30:26,080
Speaker 1: wasn't it last week or a couple of episodes ago.

688
00:30:26,160 --> 00:30:29,200
Speaker 1: Taraji P. Henson starring in the movie about the one

689
00:30:29,240 --> 00:30:33,280
Speaker 1: of the I think one or two black female NASA

690
00:30:33,360 --> 00:30:38,080
Speaker 1: scientists who were behind the first was it the Moonwalk

691
00:30:38,200 --> 00:30:40,840
Speaker 1: or some launch anyway, NASA scientists. So there you go,

692
00:30:40,920 --> 00:30:44,680
Speaker 1: black female scientists. Yeah, it's happening, and that probably will

693
00:30:44,720 --> 00:30:47,560
Speaker 1: be a good movie. Nothing, you know, nothing against Ghostbusters,

694
00:30:47,560 --> 00:30:50,400
Speaker 1: but I'm just saying it's Ghostbusters. Let's have low expectations.

695
00:30:50,680 --> 00:30:52,760
Speaker 2: Who are you gonna call? No? Has it it goes?

696
00:30:52,760 --> 00:30:53,920
Speaker 3: Then?

697
00:30:56,880 --> 00:30:57,800
Speaker 2: Is that Ghostbusters?

698
00:30:57,920 --> 00:30:58,120
Speaker 1: Yeah?

699
00:30:58,160 --> 00:31:02,400
Speaker 2: I think so? Oh I afread? Yeah, yeah, yeah. I

700
00:31:02,480 --> 00:31:04,440
Speaker 2: used to watch the cartoon as a kid with Slimer.

701
00:31:04,520 --> 00:31:06,160
Speaker 2: Is that his name? Is that the green one?

702
00:31:06,480 --> 00:31:07,000
Speaker 3: Slimer?

703
00:31:07,360 --> 00:31:09,360
Speaker 2: They like befriended a ghost and like made him a pet.

704
00:31:09,800 --> 00:31:10,600
Speaker 1: I have no idea.

705
00:31:11,320 --> 00:31:13,080
Speaker 2: Somebody knows. Maybe it's too young.

706
00:31:13,160 --> 00:31:16,840
Speaker 3: So anybody in your thirties, So remember Ghostbusters the movie.

707
00:31:16,840 --> 00:31:18,720
Speaker 3: I used to watch it, like I think, after school

708
00:31:18,880 --> 00:31:20,160
Speaker 3: and they had Slimer.

709
00:31:20,200 --> 00:31:21,960
Speaker 2: I believe he was like their ghost pet.

710
00:31:22,280 --> 00:31:24,200
Speaker 3: And it was one of my favorite cartoons as a kid.

711
00:31:26,320 --> 00:31:31,920
Speaker 1: I remember, I remember Ghostbusters. But anyway, not to like Encyclopedia.

712
00:31:31,400 --> 00:31:34,440
Speaker 2: Levels you see that dig.

713
00:31:35,880 --> 00:31:38,320
Speaker 1: I think it sounded diggier than I meant it to sound.

714
00:31:39,480 --> 00:31:50,760
Speaker 3: It's okay, you know what I mean, any other buzzes

715
00:31:50,840 --> 00:31:51,200
Speaker 3: that's it.

716
00:31:51,440 --> 00:31:52,200
Speaker 1: No, I think that's it.

717
00:31:52,720 --> 00:31:55,320
Speaker 2: Okay, So it's time for brag and break.

718
00:31:56,640 --> 00:31:58,080
Speaker 1: What is your break?

719
00:31:58,560 --> 00:32:01,160
Speaker 3: Honestly, I didn't we have a brown break until like

720
00:32:01,200 --> 00:32:03,240
Speaker 3: we were talking about that, and I'm like, oh my gosh.

721
00:32:03,640 --> 00:32:05,200
Speaker 3: I mean, I know I'm probably gonna get a lot

722
00:32:05,240 --> 00:32:06,640
Speaker 3: of whatever for this, but I don't care.

723
00:32:06,680 --> 00:32:07,240
Speaker 2: I'm tired.

724
00:32:07,360 --> 00:32:10,240
Speaker 3: I'm tired of and I understand that. I'm not saying

725
00:32:10,240 --> 00:32:14,120
Speaker 3: that we shouldn't talk about race and race relations. I'm

726
00:32:14,160 --> 00:32:16,680
Speaker 3: just I guess I'm just exhausted by it because it

727
00:32:16,760 --> 00:32:19,040
Speaker 3: seems like things are really just getting worse. So I

728
00:32:19,080 --> 00:32:20,800
Speaker 3: just need a brown break from it. Not a brown

729
00:32:20,840 --> 00:32:23,840
Speaker 3: break as in that I don't want people to discuss

730
00:32:23,840 --> 00:32:26,840
Speaker 3: the issues and I don't want you know, that's not it.

731
00:32:26,880 --> 00:32:29,040
Speaker 3: I'm just weary. I guess what I'm saying, it's like

732
00:32:29,120 --> 00:32:32,160
Speaker 3: I need a break from this having to be discussed.

733
00:32:32,240 --> 00:32:33,880
Speaker 3: I guess is probably the best way to say it.

734
00:32:34,200 --> 00:32:36,200
Speaker 3: That it's just so sad. I'm just like, sheesh, every

735
00:32:36,200 --> 00:32:39,240
Speaker 3: time we turn around, it's something and I'm just honestly,

736
00:32:39,880 --> 00:32:42,480
Speaker 3: it's depressing and I know that it's real, and I

737
00:32:42,560 --> 00:32:44,280
Speaker 3: know that it's out there, but it's crazy to like

738
00:32:44,320 --> 00:32:46,520
Speaker 3: talk to my dad, who's in his seventies and to

739
00:32:46,560 --> 00:32:49,360
Speaker 3: hear some of the things that they were struggling with,

740
00:32:49,440 --> 00:32:50,920
Speaker 3: you know, back when he was a young man, and

741
00:32:50,920 --> 00:32:53,920
Speaker 3: I'm like, really, because that's exactly what happened to me yesterday.

742
00:32:54,000 --> 00:32:56,080
Speaker 2: I'm like, shesh, So I just need.

743
00:32:56,040 --> 00:32:58,240
Speaker 3: A brown break from like, I don't even know the

744
00:32:58,280 --> 00:33:01,200
Speaker 3: word for it. What is it? Remember that YouTube video

745
00:33:01,320 --> 00:33:03,920
Speaker 3: the woman she's like she had post dramatics.

746
00:33:04,440 --> 00:33:06,920
Speaker 1: It was it was Aquila. Obviously, I was just thinking

747
00:33:06,920 --> 00:33:11,520
Speaker 1: about that it was racial. It was racial something fatigue syndrome. Yes,

748
00:33:11,920 --> 00:33:14,520
Speaker 1: you feel tired having to talk to people about all

749
00:33:14,520 --> 00:33:17,000
Speaker 1: this racism and then explain to people why things are

750
00:33:17,080 --> 00:33:20,040
Speaker 1: racist answering questions, Yeah, no, I understand.

751
00:33:20,520 --> 00:33:22,880
Speaker 2: Yeah, And that's that's how I feel. I feel fatigued

752
00:33:22,920 --> 00:33:23,239
Speaker 2: from it.

753
00:33:23,320 --> 00:33:25,280
Speaker 3: Like not because I don't I don't want people to

754
00:33:25,280 --> 00:33:28,840
Speaker 3: stop obviously discussing the issues and working towards something better,

755
00:33:29,080 --> 00:33:31,080
Speaker 3: but I guess, honestly, I feel sometimes it feels a

756
00:33:31,080 --> 00:33:33,920
Speaker 3: little hopeless because I'm like, well, dang, we're still here.

757
00:33:34,040 --> 00:33:35,640
Speaker 3: It's the same stuff that's still happening.

758
00:33:35,840 --> 00:33:38,840
Speaker 2: What can be done? Like, you know, what can we do?

759
00:33:39,240 --> 00:33:42,160
Speaker 1: And I think the antidote is to focus on positives.

760
00:33:42,200 --> 00:33:45,560
Speaker 1: You know, Yeah, for every negative story, we'll do a win,

761
00:33:45,680 --> 00:33:47,280
Speaker 1: you know what I mean, Like gotta think about the

762
00:33:47,320 --> 00:33:53,520
Speaker 1: positive or highlighting the beauty and the accomplishments of Black America.

763
00:33:54,120 --> 00:33:55,240
Speaker 1: And you know what.

764
00:33:55,280 --> 00:33:57,600
Speaker 3: I mean, I agree, And I think that's why I

765
00:33:57,640 --> 00:33:59,520
Speaker 3: need a brown break because I feel like that's what's

766
00:33:59,600 --> 00:34:03,480
Speaker 3: kind of thing from the narrative is that you're getting

767
00:34:03,520 --> 00:34:06,360
Speaker 3: so much like for all the women who are for

768
00:34:06,360 --> 00:34:08,480
Speaker 3: all the people who are saying, you know, like the

769
00:34:09,040 --> 00:34:11,960
Speaker 3: black women in a Ghostbuster should be a scientist. I

770
00:34:12,040 --> 00:34:15,360
Speaker 3: wish it was like equally as many people talking about

771
00:34:15,640 --> 00:34:18,839
Speaker 3: those things that aren't happening, you know, not to say

772
00:34:18,960 --> 00:34:21,000
Speaker 3: like they they you know, they can't sell each other out,

773
00:34:21,000 --> 00:34:24,319
Speaker 3: but at least it presents a balance perspective, so that

774
00:34:24,400 --> 00:34:26,080
Speaker 3: way you can maintain hope, because.

775
00:34:25,840 --> 00:34:27,279
Speaker 2: There are some things that are getting better.

776
00:34:27,400 --> 00:34:29,759
Speaker 3: But if you were to look at like my timeline

777
00:34:29,840 --> 00:34:32,520
Speaker 3: after something bad happened, what you would think The world

778
00:34:32,600 --> 00:34:34,120
Speaker 3: is a dark and ugly place and I'm trying to

779
00:34:34,160 --> 00:34:36,279
Speaker 3: clean it up some But I understand people have to

780
00:34:36,360 --> 00:34:38,479
Speaker 3: vent and share, but sometimes I'm like, oh my gosh,

781
00:34:38,520 --> 00:34:40,920
Speaker 3: I can't write now. I'm off social media, like I just,

782
00:34:41,400 --> 00:34:43,560
Speaker 3: you know, I need some positivity, you.

783
00:34:43,480 --> 00:34:47,759
Speaker 1: Know, challenge accepted. We have the Black Scientist NASA movie

784
00:34:47,800 --> 00:34:50,200
Speaker 1: coming out, and then Ava du Verne has a show

785
00:34:50,280 --> 00:34:52,480
Speaker 1: with the Oprah Network that I kind of want to watch.

786
00:34:52,520 --> 00:34:55,920
Speaker 1: It's called Queen Sugar. It's like based on a It's

787
00:34:55,920 --> 00:34:58,040
Speaker 1: based on a romance novel I think, or some novel

788
00:34:58,440 --> 00:35:01,480
Speaker 1: Queen Sugar. It's it's a about a woman who inherits

789
00:35:01,520 --> 00:35:04,640
Speaker 1: an old sugar plant or old sugar plantation or something

790
00:35:04,680 --> 00:35:05,200
Speaker 1: in the South.

791
00:35:05,760 --> 00:35:06,000
Speaker 3: Hmmm.

792
00:35:06,560 --> 00:35:08,640
Speaker 1: It sounds like a It sounds like a cool project,

793
00:35:09,160 --> 00:35:11,680
Speaker 1: it does, you know? I also low level stock a

794
00:35:11,719 --> 00:35:14,880
Speaker 1: but do Verne on Instagram and she follows me on

795
00:35:14,880 --> 00:35:17,400
Speaker 1: Twitter and I don't know why, but she does. And

796
00:35:17,440 --> 00:35:19,279
Speaker 1: I'm just waiting for the day when she just like

797
00:35:19,360 --> 00:35:24,080
Speaker 1: emails me and is like Mandy in this movie.

798
00:35:25,000 --> 00:35:27,279
Speaker 3: Somebody's awesome and they like follow you on social media, like,

799
00:35:27,280 --> 00:35:28,239
Speaker 3: oh my god, what did I say?

800
00:35:28,239 --> 00:35:28,680
Speaker 2: What did I do?

801
00:35:28,719 --> 00:35:30,520
Speaker 3: Okay, wait, you feel like you're like checking yourself in

802
00:35:30,560 --> 00:35:31,799
Speaker 3: the mirror. You're like they can't see you.

803
00:35:32,280 --> 00:35:32,719
Speaker 2: It's okay.

804
00:35:32,760 --> 00:35:35,640
Speaker 1: I'm not even looking. It was probably just like a misclick.

805
00:35:37,080 --> 00:35:39,000
Speaker 3: Now you're amazing. She probably was like, you know what

806
00:35:39,040 --> 00:35:40,759
Speaker 3: I heard about this girl, Mandy. I heard she's a

807
00:35:40,880 --> 00:35:41,919
Speaker 3: must follow, all.

808
00:35:41,880 --> 00:35:49,319
Speaker 1: Right, whatever, Anyway, my brown break is, oh, my brown

809
00:35:49,360 --> 00:35:53,799
Speaker 1: break is March Madness. This is I know. If you're

810
00:35:53,840 --> 00:35:56,239
Speaker 1: a sports fan out there, I apologize. It's gonna be

811
00:35:56,239 --> 00:35:57,839
Speaker 1: a quick one. I don't want to be in your

812
00:35:57,880 --> 00:36:01,719
Speaker 1: office March Madness pool to like. And I've never we

813
00:36:01,760 --> 00:36:04,279
Speaker 1: have this. We have a new guy who joined the

814
00:36:04,320 --> 00:36:06,920
Speaker 1: team at Yahoo Finance, and he's really hilarious. His name

815
00:36:07,000 --> 00:36:10,319
Speaker 1: is Dan. He is a ball of energy. He is

816
00:36:10,360 --> 00:36:13,160
Speaker 1: constantly bouncing off the walls. He is super exhausting, but

817
00:36:13,200 --> 00:36:15,400
Speaker 1: it's also kind of funny. But then it's also crazy.

818
00:36:15,440 --> 00:36:18,200
Speaker 1: And he is like obsessed with getting everyone as March

819
00:36:18,239 --> 00:36:20,800
Speaker 1: Madness team. And I had to stand up for myself

820
00:36:20,840 --> 00:36:23,640
Speaker 1: and say no, I will not I will be keeping

821
00:36:23,680 --> 00:36:26,399
Speaker 1: my ten dollars. I'm bad at this. I don't even

822
00:36:26,400 --> 00:36:29,080
Speaker 1: want to pretend that I like sports enough to do

823
00:36:29,120 --> 00:36:31,279
Speaker 1: the office pool thing, you know what I mean. And

824
00:36:31,640 --> 00:36:33,080
Speaker 1: I feel like I used to just put in ten

825
00:36:33,120 --> 00:36:35,200
Speaker 1: twenty bucks just to be a part of the team.

826
00:36:35,239 --> 00:36:39,160
Speaker 1: But like my Forest Office socialization brown break from a

827
00:36:39,160 --> 00:36:40,960
Speaker 1: few weeks past. I don't feel like you should have

828
00:36:41,000 --> 00:36:44,719
Speaker 1: to peer pressure everybody into being in your sports madness

829
00:36:44,800 --> 00:36:48,399
Speaker 1: whatever it is pool. So I'm giving everyone the opportunity,

830
00:36:48,560 --> 00:36:50,799
Speaker 1: Like I'm just letting you know it's okay to say no.

831
00:36:51,000 --> 00:36:53,000
Speaker 1: You do not have to march madness.

832
00:36:54,080 --> 00:37:10,040
Speaker 3: Say no to march madness. So tipsy, any great questions

833
00:37:10,040 --> 00:37:10,680
Speaker 3: in the inbox?

834
00:37:10,880 --> 00:37:13,480
Speaker 1: We do have a good question in the inbox from

835
00:37:13,719 --> 00:37:16,040
Speaker 1: someone who would like to remain anonymous.

836
00:37:16,080 --> 00:37:20,040
Speaker 2: I believe we'll call you nanny. Okay, nanny, what's up?

837
00:37:21,440 --> 00:37:23,279
Speaker 1: So she's this is a I don't know if she

838
00:37:23,320 --> 00:37:25,000
Speaker 1: wants to be anonymous. I think she does. Anyway, I'm

839
00:37:25,000 --> 00:37:27,239
Speaker 1: not going to call her out. So she says she's

840
00:37:27,280 --> 00:37:30,520
Speaker 1: reading right now The Automatic Millionaire Book by David David

841
00:37:30,600 --> 00:37:31,800
Speaker 1: boch Fait.

842
00:37:31,920 --> 00:37:33,480
Speaker 2: I love that book. Okay, he's a.

843
00:37:33,480 --> 00:37:36,400
Speaker 1: Great he's awesome, David Block can't go wrong. So she

844
00:37:36,480 --> 00:37:40,440
Speaker 1: really wants to seriously automate her bills. Okay, she asks,

845
00:37:40,560 --> 00:37:43,600
Speaker 1: how do you or do it all? Automate unpredictable bills?

846
00:37:44,160 --> 00:37:48,200
Speaker 1: For example, my Comcast and electric bills fluctuate month to month.

847
00:37:48,239 --> 00:37:50,879
Speaker 1: I have a finite amount of money available. If there's

848
00:37:50,920 --> 00:37:53,520
Speaker 1: a fluke and one bill is more than expected, I

849
00:37:53,520 --> 00:37:57,000
Speaker 1: don't want them to have access to that fluctuation. I

850
00:37:57,000 --> 00:37:59,400
Speaker 1: feel like if I automate, I'll be monitoring my account

851
00:37:59,400 --> 00:38:01,640
Speaker 1: more than I do already, which is about two times

852
00:38:01,640 --> 00:38:03,719
Speaker 1: a day. She says, my bank account is cute. I

853
00:38:03,719 --> 00:38:06,279
Speaker 1: love checking on her. That's like I like that too,

854
00:38:06,680 --> 00:38:09,839
Speaker 1: so I okay, Yeah. The last question is just basically like,

855
00:38:10,120 --> 00:38:12,759
Speaker 1: if you automate your bills, what services do you use?

856
00:38:14,239 --> 00:38:15,759
Speaker 3: I just use my bank services, and what do you

857
00:38:16,000 --> 00:38:17,880
Speaker 3: use your banks too? Write like your bank usually has

858
00:38:17,960 --> 00:38:19,440
Speaker 3: like automatic bill pay.

859
00:38:20,200 --> 00:38:22,600
Speaker 1: You know, I was thinking about this the only bill. Yeah,

860
00:38:22,680 --> 00:38:27,160
Speaker 1: I well, usually I automate my services through the service website,

861
00:38:27,200 --> 00:38:31,759
Speaker 1: like my cable bill, okay, and my like my newspaper subscription. Yes,

862
00:38:31,800 --> 00:38:34,200
Speaker 1: I have one of those. They go straight from my

863
00:38:34,280 --> 00:38:37,799
Speaker 1: certain account. But honestly, most of them are tied to

864
00:38:37,800 --> 00:38:39,440
Speaker 1: a credit card, and I pay the credit card off

865
00:38:39,480 --> 00:38:41,600
Speaker 1: in full each month, So I'm not worried about that

866
00:38:42,120 --> 00:38:45,719
Speaker 1: checking account fluctuation. So if that, I mean, I guess

867
00:38:45,760 --> 00:38:48,080
Speaker 1: that could sort of be a way to deal with

868
00:38:48,120 --> 00:38:49,520
Speaker 1: that so I don't have to think about it, you know,

869
00:38:49,680 --> 00:38:51,360
Speaker 1: is my is my paycheck going to hit on the

870
00:38:51,400 --> 00:38:53,680
Speaker 1: fifth Okay, you know what I mean? So I just

871
00:38:53,719 --> 00:38:55,440
Speaker 1: I hit. Everything's in a credit card and so when

872
00:38:55,480 --> 00:38:56,919
Speaker 1: I have the money, I just pay it all off.

873
00:38:58,239 --> 00:39:00,080
Speaker 1: But that doesn't work for everybody, because.

874
00:39:00,040 --> 00:39:00,680
Speaker 2: Yeah, it doesn't.

875
00:39:01,160 --> 00:39:03,040
Speaker 1: It takes discipline and that kind of thing.

876
00:39:03,680 --> 00:39:07,520
Speaker 3: Yeah, so I'll tell you what I do, like honestly,

877
00:39:07,560 --> 00:39:10,040
Speaker 3: and this, I mean, this takes some discipline too. But

878
00:39:10,120 --> 00:39:13,720
Speaker 3: I so all my bills are automated, and even though

879
00:39:14,239 --> 00:39:15,320
Speaker 3: I automate.

880
00:39:15,000 --> 00:39:15,799
Speaker 2: From the.

881
00:39:17,400 --> 00:39:22,080
Speaker 3: I automate mostly from my bank's end, meaning that like

882
00:39:22,160 --> 00:39:25,400
Speaker 3: you know, my bank, from my bank's bill pay sends

883
00:39:25,440 --> 00:39:29,759
Speaker 3: the money versus the company coming to get the money,

884
00:39:29,880 --> 00:39:32,920
Speaker 3: just because honestly, I don't want them. Like before a

885
00:39:32,960 --> 00:39:35,560
Speaker 3: company has taken too much and like overdrafted me. So

886
00:39:35,640 --> 00:39:37,719
Speaker 3: as since then I was like, nah, na, na, I

887
00:39:37,760 --> 00:39:39,640
Speaker 3: will send you the money. You just go sit down.

888
00:39:40,480 --> 00:39:42,160
Speaker 3: So that's you know, if that's typically what I do.

889
00:39:42,200 --> 00:39:46,520
Speaker 3: But then for those bills that kind of fluctuate, what

890
00:39:46,520 --> 00:39:49,279
Speaker 3: I would honestly typically do is I would still like

891
00:39:49,400 --> 00:39:50,920
Speaker 3: my cable bill, it does go up and down a

892
00:39:50,960 --> 00:39:53,440
Speaker 3: little bit, but like for for the most part, I

893
00:39:53,480 --> 00:39:55,560
Speaker 3: don't even know let's just say my cable bill is

894
00:39:55,600 --> 00:39:57,800
Speaker 3: I don't know, let's just say one hundred and twenty dollars,

895
00:39:57,840 --> 00:40:00,920
Speaker 3: and sometimes it's one hundred and twenty eight, sometimes less.

896
00:40:01,000 --> 00:40:04,359
Speaker 3: I will usually send like the average, and then like

897
00:40:04,400 --> 00:40:06,120
Speaker 3: the second bill will usually be like, oh, you know

898
00:40:06,200 --> 00:40:09,239
Speaker 3: you're you're like you still three bucks, and I'll just

899
00:40:09,239 --> 00:40:11,040
Speaker 3: send them three bucks when I see it, you know.

900
00:40:11,120 --> 00:40:12,759
Speaker 3: I mean it might not work for every company, but

901
00:40:12,880 --> 00:40:15,400
Speaker 3: for like the cable company, you know, you're not gonna

902
00:40:15,520 --> 00:40:18,040
Speaker 3: be reported to collections for three bucks unless you just

903
00:40:18,320 --> 00:40:20,600
Speaker 3: are not paying ever, you know, so I would just

904
00:40:20,760 --> 00:40:23,480
Speaker 3: I typically just would send like the average. Like I

905
00:40:23,520 --> 00:40:25,719
Speaker 3: know my cable bill is going to be around one

906
00:40:25,800 --> 00:40:28,520
Speaker 3: twenty eight, so I just send one thirty every month.

907
00:40:28,520 --> 00:40:31,839
Speaker 3: And that kind of handles to fluctuations or what you're

908
00:40:31,840 --> 00:40:34,319
Speaker 3: gonna end up, you know, having to do. And this

909
00:40:34,360 --> 00:40:36,880
Speaker 3: is what I did when I used to teach. I

910
00:40:37,440 --> 00:40:40,160
Speaker 3: saved and saved and saved, and I started pre paying

911
00:40:40,640 --> 00:40:43,760
Speaker 3: my bills to myself. I have a separate checking account

912
00:40:43,800 --> 00:40:46,760
Speaker 3: for bills, so I hope you have one too, because

913
00:40:47,080 --> 00:40:50,399
Speaker 3: to me, it helps tremendously to separate your bill money

914
00:40:50,440 --> 00:40:53,399
Speaker 3: from your spending money, because your checking account for bills

915
00:40:53,440 --> 00:40:55,799
Speaker 3: should not be attached to your debit card, So when

916
00:40:55,840 --> 00:40:58,480
Speaker 3: you're swiping your debit card, it should not be taking

917
00:40:58,960 --> 00:41:02,680
Speaker 3: from that account that's paying bills. Have two separate checking

918
00:41:02,719 --> 00:41:05,040
Speaker 3: accounts for that. So that's one. And so what I

919
00:41:05,080 --> 00:41:08,040
Speaker 3: started doing because same thing, some of my bills were fluctuating.

920
00:41:08,480 --> 00:41:13,040
Speaker 3: I started pre paying and almost like having a little

921
00:41:13,160 --> 00:41:14,440
Speaker 3: extra money.

922
00:41:14,480 --> 00:41:15,160
Speaker 2: So like if my.

923
00:41:15,120 --> 00:41:17,000
Speaker 3: Sister paying back to twenty bucks she owed me, I

924
00:41:17,040 --> 00:41:19,279
Speaker 3: throw it in my bill's account, some birthday money, I

925
00:41:19,320 --> 00:41:21,440
Speaker 3: throw a little bit in my bill's account. And then

926
00:41:21,480 --> 00:41:24,480
Speaker 3: that way, those companies that kind of fluctuate, I always

927
00:41:24,520 --> 00:41:27,279
Speaker 3: had like a like some buffer in there to kind

928
00:41:27,320 --> 00:41:29,120
Speaker 3: of handle some of those things. So it takes a

929
00:41:29,120 --> 00:41:30,880
Speaker 3: little while to get that buffer. Like you know, I

930
00:41:30,880 --> 00:41:33,200
Speaker 3: would just collect kind of throughout the year, especially it's

931
00:41:33,239 --> 00:41:37,480
Speaker 3: tax time, so I might put my if it's February,

932
00:41:37,719 --> 00:41:40,080
Speaker 3: like right now it's March, so right now I would

933
00:41:40,160 --> 00:41:43,560
Speaker 3: have already put my April bill money in my bill's account,

934
00:41:43,600 --> 00:41:46,479
Speaker 3: so when April came, plus a little buffer. When April came,

935
00:41:46,800 --> 00:41:49,600
Speaker 3: as people were taking their things, I knew I was good. So,

936
00:41:49,640 --> 00:41:51,279
Speaker 3: like I said that, But in order to do that,

937
00:41:51,320 --> 00:41:54,200
Speaker 3: you have to basically be saving and I don't know

938
00:41:54,280 --> 00:41:55,520
Speaker 3: how much extra you have a month.

939
00:41:55,600 --> 00:41:58,399
Speaker 1: But I guess what worries me about it is that

940
00:41:58,800 --> 00:42:01,960
Speaker 1: she's experienced quite often the fact that she doesn't have

941
00:42:02,040 --> 00:42:05,040
Speaker 1: enough to cover her bills. And for me, that's kind

942
00:42:05,080 --> 00:42:06,840
Speaker 1: of a trigger of like, well, maybe it's time to

943
00:42:06,880 --> 00:42:09,200
Speaker 1: look at your expenses and are they too high for

944
00:42:09,239 --> 00:42:12,160
Speaker 1: what you're earning? Yeah, and what happens if you don't

945
00:42:12,200 --> 00:42:14,439
Speaker 1: have the money in there? Is your bill just late?

946
00:42:14,640 --> 00:42:15,759
Speaker 2: You know? Yeah?

947
00:42:16,000 --> 00:42:19,920
Speaker 3: Or you just have to I think I'm just prioritize, honestly.

948
00:42:19,920 --> 00:42:22,600
Speaker 3: There's times I tell people that. There are times someone

949
00:42:22,880 --> 00:42:25,160
Speaker 3: told me once and it was like the smartest or

950
00:42:25,200 --> 00:42:26,680
Speaker 3: the best piece of advice. When I had lost my

951
00:42:26,760 --> 00:42:29,080
Speaker 3: job and I could not afford to pay for everything,

952
00:42:29,120 --> 00:42:31,560
Speaker 3: and she told me, and it was so hard and scary.

953
00:42:31,680 --> 00:42:34,560
Speaker 3: She said, sometimes something's not going to get paid. And

954
00:42:34,600 --> 00:42:37,640
Speaker 3: I was like, don't you say that. It was like blasphemy,

955
00:42:38,000 --> 00:42:41,080
Speaker 3: And she was like, sometimes something is not going to

956
00:42:41,120 --> 00:42:43,640
Speaker 3: get paid on time. It's just going to happen. So

957
00:42:43,680 --> 00:42:47,880
Speaker 3: you prioritize always what must get paid first. Food and

958
00:42:48,000 --> 00:42:50,719
Speaker 3: shelter must get paid first. So I always paid my

959
00:42:50,760 --> 00:42:53,000
Speaker 3: rent and I paid to make sure I had groceries,

960
00:42:53,239 --> 00:42:55,960
Speaker 3: and then I would go down my priority list and

961
00:42:56,080 --> 00:42:58,120
Speaker 3: those I didn't have any money for I would call

962
00:42:58,160 --> 00:43:00,560
Speaker 3: and let them know and and try to work something out.

963
00:43:00,600 --> 00:43:03,239
Speaker 3: But sometimes I just didn't have it and so and

964
00:43:03,280 --> 00:43:05,239
Speaker 3: then when I did, I would I would pay it.

965
00:43:05,239 --> 00:43:08,399
Speaker 3: It's not the end of the world. It's it's it's

966
00:43:08,400 --> 00:43:12,359
Speaker 3: scary sometimes. But if that's your reality, then you should

967
00:43:12,400 --> 00:43:14,399
Speaker 3: be looking at your bills to see, well, if I'm

968
00:43:14,400 --> 00:43:17,480
Speaker 3: not always able to pay, cable is not a necessity,

969
00:43:17,719 --> 00:43:19,480
Speaker 3: you might want to go in and either cut it

970
00:43:19,520 --> 00:43:23,640
Speaker 3: all together or severely reduce it, and ask yourself, line

971
00:43:23,640 --> 00:43:26,560
Speaker 3: item by line item of your budget, what can go

972
00:43:26,840 --> 00:43:29,040
Speaker 3: if I don't always have enough money. You know, if

973
00:43:29,040 --> 00:43:32,000
Speaker 3: you're in that place, you know you should like if

974
00:43:32,000 --> 00:43:34,040
Speaker 3: you're telling them you have cable and you don't have

975
00:43:34,120 --> 00:43:36,759
Speaker 3: enough of your bills you have, you have that that

976
00:43:36,800 --> 00:43:39,600
Speaker 3: cable is some cushion there because you don't need cable

977
00:43:39,600 --> 00:43:42,279
Speaker 3: in order to live, breathe, and eat. So, you know,

978
00:43:42,320 --> 00:43:43,880
Speaker 3: sometimes it's not easy to say, like I got to

979
00:43:43,920 --> 00:43:46,160
Speaker 3: get rid of cable, maybe just get the internet. I

980
00:43:46,160 --> 00:43:48,520
Speaker 3: had the internet for like six years, just the internet,

981
00:43:48,520 --> 00:43:52,120
Speaker 3: and I watched TV like online and stuff and Netflix

982
00:43:52,160 --> 00:43:56,279
Speaker 3: and stuff to reduce my monthly output. So sometimes you

983
00:43:56,360 --> 00:43:59,160
Speaker 3: just got to make those slashes and call your service providers.

984
00:43:59,280 --> 00:44:00,920
Speaker 3: I was good for Darling wants to see you and

985
00:44:00,960 --> 00:44:04,200
Speaker 3: saying hey, it's Tiffany. So yeah, this bill is really high.

986
00:44:05,520 --> 00:44:10,000
Speaker 3: Energy company or car car insurance company, or a service provider,

987
00:44:10,040 --> 00:44:11,719
Speaker 3: somebody who provides the service and you pay for it.

988
00:44:11,960 --> 00:44:15,200
Speaker 2: This bill is really high. I honestly, I'm experiencing financial struggle.

989
00:44:15,239 --> 00:44:15,840
Speaker 2: Can you help me?

990
00:44:16,719 --> 00:44:19,520
Speaker 3: And sometimes they're like no, and sometimes they said yes,

991
00:44:19,880 --> 00:44:21,920
Speaker 3: And then if they said no, I'd be like if

992
00:44:21,960 --> 00:44:24,920
Speaker 3: it was a cancelable thing like your cell phone, I

993
00:44:24,960 --> 00:44:27,160
Speaker 3: would say, well, can you transfer me to the retention

994
00:44:27,280 --> 00:44:29,640
Speaker 3: department because I don't know if I'm going to be

995
00:44:29,680 --> 00:44:31,800
Speaker 3: able to maintain my service with you guys, because honestly,

996
00:44:31,960 --> 00:44:34,920
Speaker 3: it's I just can't afford it. And the retention department,

997
00:44:34,960 --> 00:44:37,200
Speaker 3: if they have one, it's the let's make a deal department,

998
00:44:37,440 --> 00:44:39,880
Speaker 3: and literally that's what they're there for to retain you.

999
00:44:40,440 --> 00:44:42,640
Speaker 2: So make a deal. Do your budget ahead of time

1000
00:44:42,680 --> 00:44:44,160
Speaker 2: and see what number you have to get to to

1001
00:44:44,200 --> 00:44:44,960
Speaker 2: be able to afford it.

1002
00:44:45,360 --> 00:44:48,000
Speaker 3: So find for yourself, you know, bring your bills down

1003
00:44:48,640 --> 00:44:50,719
Speaker 3: to a place where you do have enough a month

1004
00:44:50,920 --> 00:44:52,840
Speaker 3: and let all of those things that are not necessities.

1005
00:44:53,480 --> 00:44:55,880
Speaker 1: And I like the idea of knowing exactly how much

1006
00:44:55,920 --> 00:44:57,839
Speaker 1: you're gonna need for your bills and then making sure

1007
00:44:57,880 --> 00:45:00,120
Speaker 1: you have that set aside. One of the things that

1008
00:45:00,239 --> 00:45:03,400
Speaker 1: I do for my rent is that from each paycheck,

1009
00:45:03,480 --> 00:45:07,560
Speaker 1: I have a I go through my payroll deposit payroll department,

1010
00:45:08,000 --> 00:45:09,880
Speaker 1: and I have half of my total rent for the

1011
00:45:09,960 --> 00:45:13,120
Speaker 1: month automatically debited and put into a separate bank account

1012
00:45:13,120 --> 00:45:15,440
Speaker 1: for my rent. So I'm not getting hit all at

1013
00:45:15,440 --> 00:45:17,680
Speaker 1: one paycheck. I'm getting half my rent from one paycheck

1014
00:45:17,719 --> 00:45:19,200
Speaker 1: and half from the other, and then by the time

1015
00:45:19,239 --> 00:45:21,040
Speaker 1: I have both added up, I'll have enough to pay

1016
00:45:21,080 --> 00:45:24,040
Speaker 1: the rent bill, which I do. So that's one thing

1017
00:45:24,080 --> 00:45:25,680
Speaker 1: you can do too, like if you don't want to

1018
00:45:27,000 --> 00:45:29,400
Speaker 1: use your entire paycheck for all of your bills, is

1019
00:45:29,480 --> 00:45:32,000
Speaker 1: save half your paycheck from the from the first paycheck

1020
00:45:32,040 --> 00:45:33,640
Speaker 1: for your in your bill's account, and then when the

1021
00:45:33,680 --> 00:45:36,240
Speaker 1: next paycheck comes, took the other half, and then hopefully

1022
00:45:36,280 --> 00:45:39,239
Speaker 1: that'll be enough to cover your bills. And that you

1023
00:45:39,280 --> 00:45:41,680
Speaker 1: can set up through your employer or just set it

1024
00:45:41,760 --> 00:45:43,160
Speaker 1: up through your bank, which takes a little bit of

1025
00:45:43,239 --> 00:45:45,919
Speaker 1: work but shouldn't be too hard these days.

1026
00:45:46,880 --> 00:45:48,720
Speaker 3: Yeah, And honestly, if you need help with a budget,

1027
00:45:48,760 --> 00:45:50,600
Speaker 3: I'm trying to think because I wrote a book called

1028
00:45:50,640 --> 00:45:53,080
Speaker 3: The One Week Budget, but I give like the first

1029
00:45:53,200 --> 00:45:54,719
Speaker 3: day away for free. I'm trying to think where you

1030
00:45:54,760 --> 00:45:57,120
Speaker 3: could just go snatch it because it will really help

1031
00:45:57,200 --> 00:46:00,759
Speaker 3: to organize your budget. You know, you can snatch it

1032
00:46:00,840 --> 00:46:05,640
Speaker 3: from go to Live Richer Challenge dot com and there's

1033
00:46:05,640 --> 00:46:08,480
Speaker 3: a little button that says resources. I think it says

1034
00:46:08,560 --> 00:46:09,960
Speaker 3: book resources.

1035
00:46:09,760 --> 00:46:11,360
Speaker 1: And if you link on, we'll put a link in

1036
00:46:11,400 --> 00:46:11,719
Speaker 1: the blog.

1037
00:46:12,280 --> 00:46:12,880
Speaker 2: Okay, good, So.

1038
00:46:12,960 --> 00:46:14,759
Speaker 3: If you click that way, because I want you to

1039
00:46:14,840 --> 00:46:17,040
Speaker 3: download just day one of the One Week Budget and

1040
00:46:17,120 --> 00:46:19,960
Speaker 3: it will help to get because honestly it's the most important.

1041
00:46:20,239 --> 00:46:21,759
Speaker 3: Plus why I give that part away for free so

1042
00:46:21,800 --> 00:46:23,799
Speaker 3: you can actually start to create your budget and see

1043
00:46:23,800 --> 00:46:26,200
Speaker 3: where do you stand and start reducing your spending.

1044
00:46:27,520 --> 00:46:28,680
Speaker 2: So that's why I giveaway to guys.

1045
00:46:28,719 --> 00:46:31,279
Speaker 1: It's free and I'll put a link to the you

1046
00:46:31,360 --> 00:46:32,600
Speaker 1: send me a link to that, I'll add it in

1047
00:46:32,680 --> 00:46:34,279
Speaker 1: the in the blog post for this week on our

1048
00:46:34,440 --> 00:46:36,560
Speaker 1: on our website Brown Ambition Podcast dot.

1049
00:46:36,520 --> 00:46:38,239
Speaker 2: Com dot com.

1050
00:46:39,200 --> 00:46:43,040
Speaker 1: Come well, Thanks for sending in your question. If you

1051
00:46:43,280 --> 00:46:46,040
Speaker 1: guys have any other questions, we are happy to take them.

1052
00:46:46,120 --> 00:46:49,400
Speaker 1: You can email us at Brown Ambition Podcast at gmail

1053
00:46:49,600 --> 00:46:52,960
Speaker 1: dot com or tweet us at the BA podcast.

1054
00:46:53,440 --> 00:46:54,960
Speaker 2: Yeah, we like. I like when you guys tweet it.

1055
00:46:55,080 --> 00:46:56,799
Speaker 3: I like, honestly when you guys tweet us and then

1056
00:46:56,800 --> 00:46:59,239
Speaker 3: you tweet us at our personal handles And I'm at

1057
00:46:59,280 --> 00:47:01,200
Speaker 3: the budget LISTA and Mandy is what are you?

1058
00:47:01,280 --> 00:47:01,480
Speaker 2: Mandy?

1059
00:47:01,520 --> 00:47:04,600
Speaker 1: Are you Mandy Wood draw at Mandy Woodrow yep.

1060
00:47:04,760 --> 00:47:08,040
Speaker 3: Yeah, Mandy with an eye And yeah, I love when

1061
00:47:08,040 --> 00:47:09,879
Speaker 3: you guys like tweet us personally, and B and You're.

1062
00:47:09,800 --> 00:47:11,560
Speaker 2: Like, I miss you guys, And I'm like, oh my god,

1063
00:47:11,680 --> 00:47:13,440
Speaker 2: they like us, they really like us.

1064
00:47:26,560 --> 00:47:27,840
Speaker 1: Alrighty, how about some wins?

1065
00:47:28,560 --> 00:47:31,120
Speaker 3: All I do is when when win, no matter what,

1066
00:47:31,480 --> 00:47:34,320
Speaker 3: I'm trying to think, what is the win, you go first?

1067
00:47:34,719 --> 00:47:37,439
Speaker 1: I will go first. So I read that Notre Dame

1068
00:47:37,640 --> 00:47:41,239
Speaker 1: has is this year or this February it's going to

1069
00:47:41,280 --> 00:47:43,960
Speaker 1: have its very first. I guess it's not February anymore?

1070
00:47:44,040 --> 00:47:47,120
Speaker 1: How is it already March? Wait? A second? Daylight Saving

1071
00:47:47,200 --> 00:47:51,359
Speaker 1: time starts tomorrow anyway, So uh, the Notre Dame has

1072
00:47:51,360 --> 00:47:55,560
Speaker 1: its very first black valedictorian, and it is a young

1073
00:47:55,640 --> 00:48:00,640
Speaker 1: woman named Katie Washington from Gary Falls, Indiana. Right, oh, yeah, Gary, Indiana.

1074
00:48:01,840 --> 00:48:06,520
Speaker 1: Katie studied biological science. Also something about Catholic teaching. I'm

1075
00:48:06,520 --> 00:48:09,760
Speaker 1: not sure what that is, but go ahead, Katie, go ahead, Katie,

1076
00:48:09,840 --> 00:48:12,520
Speaker 1: go ahead, girl. And she's going to pursue a joint

1077
00:48:13,000 --> 00:48:17,600
Speaker 1: MD and PhD at John Hopkins University. So she's taking

1078
00:48:17,680 --> 00:48:18,000
Speaker 1: it easy.

1079
00:48:18,640 --> 00:48:20,319
Speaker 3: Yeah, right, you know, Katie, are you sure you want

1080
00:48:20,360 --> 00:48:22,480
Speaker 3: to be sure you want to take the slacker rap?

1081
00:48:22,600 --> 00:48:25,760
Speaker 2: I mean you're you're doing a lot, Katie. No, that's awesome.

1082
00:48:25,800 --> 00:48:28,000
Speaker 1: Speaking of black scientists, like we've talked about not only

1083
00:48:28,080 --> 00:48:30,400
Speaker 1: Taji p Henson playing a real life black scientist, now

1084
00:48:30,440 --> 00:48:34,480
Speaker 1: we have a real life other first black Valdictoria Notre

1085
00:48:34,600 --> 00:48:36,919
Speaker 1: Dame is going to be a scientist. She I'm reading

1086
00:48:37,000 --> 00:48:39,839
Speaker 1: her little bio. So she's been conducting research on lung

1087
00:48:39,920 --> 00:48:44,080
Speaker 1: cancer and she co authored a paper with a biological

1088
00:48:44,160 --> 00:48:47,520
Speaker 1: science professor. Already, So what have you done lately?

1089
00:48:47,840 --> 00:48:51,080
Speaker 2: Mary? Oh?

1090
00:48:52,400 --> 00:48:55,680
Speaker 3: Yeah, ooh, we're back to singing, Honey, don't hate you

1091
00:48:55,800 --> 00:48:59,920
Speaker 3: love my voice. I'm trying to think what if my way?

1092
00:49:01,000 --> 00:49:02,279
Speaker 3: I'm like, I feel like.

1093
00:49:02,320 --> 00:49:05,760
Speaker 1: He did the Academy could be a win because that's true.

1094
00:49:06,000 --> 00:49:09,600
Speaker 3: So the Literature Academy is definitely, well, I guess that's

1095
00:49:09,640 --> 00:49:12,279
Speaker 3: my personal win. Yeah, it's just you know, it's a

1096
00:49:12,400 --> 00:49:15,759
Speaker 3: testament to this is that I was talking. Actually I

1097
00:49:15,840 --> 00:49:19,360
Speaker 3: was at john Saint John's University today. They had this

1098
00:49:19,600 --> 00:49:24,160
Speaker 3: great Women's Day. I guess that that called I Am Her,

1099
00:49:24,320 --> 00:49:26,239
Speaker 3: and the purpose of it was to get like young

1100
00:49:26,320 --> 00:49:30,320
Speaker 3: women and like women like me and some other like

1101
00:49:30,440 --> 00:49:32,279
Speaker 3: older well I'm not older women, but you know, like

1102
00:49:32,360 --> 00:49:34,759
Speaker 3: you know, older like established women and just kind of

1103
00:49:34,920 --> 00:49:37,640
Speaker 3: like reflect in each other, like you know, I am

1104
00:49:37,719 --> 00:49:39,879
Speaker 3: you and I was where you were and you will

1105
00:49:39,920 --> 00:49:42,080
Speaker 3: one day be where I am. And it was just

1106
00:49:42,200 --> 00:49:44,759
Speaker 3: it was honestly this great, loving environment. I sat on

1107
00:49:44,800 --> 00:49:48,840
Speaker 3: a panel and I just met so many great amazing

1108
00:49:50,520 --> 00:49:54,239
Speaker 3: women there. I'm younger and a little bit older, and

1109
00:49:54,360 --> 00:49:56,359
Speaker 3: it just I think maybe that's really my win. I mean,

1110
00:49:56,760 --> 00:49:59,719
Speaker 3: the the Academy has shown me like cause when I

1111
00:49:59,800 --> 00:50:01,560
Speaker 3: was in college, I would have never imagined that I'd

1112
00:50:01,560 --> 00:50:03,240
Speaker 3: be running a business and all that kind of stuff.

1113
00:50:03,640 --> 00:50:06,520
Speaker 3: And just seeing those women and just seeing how much

1114
00:50:06,600 --> 00:50:09,719
Speaker 3: potential there was, and you know, I just will leave you.

1115
00:50:09,800 --> 00:50:10,800
Speaker 2: I guess my win is this.

1116
00:50:10,960 --> 00:50:14,359
Speaker 3: It's just that if you have something in your heart

1117
00:50:14,480 --> 00:50:16,080
Speaker 3: that is that you want to do, if you want

1118
00:50:16,120 --> 00:50:18,239
Speaker 3: to help people, if you want to give, if you

1119
00:50:18,320 --> 00:50:20,160
Speaker 3: want to I just say go ahead and do it.

1120
00:50:20,280 --> 00:50:22,879
Speaker 3: Because just looking at these young women and then looking

1121
00:50:22,920 --> 00:50:25,920
Speaker 3: at these older women, and it just filled my heart

1122
00:50:25,960 --> 00:50:29,240
Speaker 3: with joy to just know that I don't know, everybody

1123
00:50:29,360 --> 00:50:34,040
Speaker 3: was really wanting more and better, and you know, I

1124
00:50:34,200 --> 00:50:35,920
Speaker 3: just that's what it really I want for everyone. I

1125
00:50:36,000 --> 00:50:38,040
Speaker 3: feel like, oh, I guess the libor like the sentimental

1126
00:50:38,080 --> 00:50:39,440
Speaker 3: side of me is coming out. It just makes you

1127
00:50:39,520 --> 00:50:42,319
Speaker 3: feel like everybody go after your dreams. And I don't

1128
00:50:42,360 --> 00:50:43,960
Speaker 3: believe that going after your dreams means you have to

1129
00:50:44,040 --> 00:50:45,840
Speaker 3: quit your job. Everybody doesn't have to like be like,

1130
00:50:46,360 --> 00:50:48,440
Speaker 3: you know, their dream for a living. But I do

1131
00:50:48,640 --> 00:50:51,160
Speaker 3: think that there should be some part of your life

1132
00:50:51,239 --> 00:50:54,560
Speaker 3: where you are experiencing and enjoying your passion, whether it's

1133
00:50:54,600 --> 00:50:57,600
Speaker 3: on the weekends, or whether it's before work or after work,

1134
00:50:57,719 --> 00:50:59,840
Speaker 3: or whether it's work itself. And so that's really my

1135
00:51:00,000 --> 00:51:03,320
Speaker 3: biggest win, probably more so that you know I'm fortunate

1136
00:51:03,440 --> 00:51:05,960
Speaker 3: enough that you know I'm living my passion even though

1137
00:51:06,000 --> 00:51:08,239
Speaker 3: it's hard sometimes and I don't get a lot of sleep,

1138
00:51:08,280 --> 00:51:10,520
Speaker 3: but still I love it and I get to you know,

1139
00:51:10,560 --> 00:51:12,360
Speaker 3: I'm here with Mandy and so this is part of it.

1140
00:51:12,560 --> 00:51:13,799
Speaker 2: So yeah, that's the.

1141
00:51:13,880 --> 00:51:16,480
Speaker 1: Best start of the podcast. I think it's important. The

1142
00:51:16,520 --> 00:51:18,719
Speaker 1: word passion is so overused, you know, when you talk

1143
00:51:18,719 --> 00:51:21,560
Speaker 1: about careers, find your passion, make money out of your passion.

1144
00:51:21,680 --> 00:51:23,840
Speaker 1: Not everybody does. I like that you said that because

1145
00:51:24,160 --> 00:51:25,719
Speaker 1: you can put a lot of pressure on yourself to

1146
00:51:25,880 --> 00:51:28,279
Speaker 1: you know, some people might love songwriting or something, but

1147
00:51:28,320 --> 00:51:30,480
Speaker 1: that always doesn't equate to a career of money. And

1148
00:51:30,600 --> 00:51:33,200
Speaker 1: sometimes you need money to live, you know, every once

1149
00:51:33,200 --> 00:51:35,600
Speaker 1: in a while you need some money. So I think

1150
00:51:35,640 --> 00:51:37,239
Speaker 1: it's it's fine if you have a job that's not

1151
00:51:37,320 --> 00:51:40,440
Speaker 1: necessarily your passion, but you're doing your your Yeah, you're

1152
00:51:40,480 --> 00:51:43,200
Speaker 1: having that outlet in some other way for sure.

1153
00:51:43,600 --> 00:51:45,600
Speaker 3: Like you said, like look you started this podcast, Like

1154
00:51:45,680 --> 00:51:47,319
Speaker 3: look at Mandy. One day it was like, I want

1155
00:51:47,360 --> 00:51:47,840
Speaker 3: a podcast.

1156
00:51:47,920 --> 00:51:50,560
Speaker 2: I think I'll do it. She knew nothing about podcasting

1157
00:51:50,640 --> 00:51:53,160
Speaker 2: and all the things involved. And one foot in front

1158
00:51:53,200 --> 00:51:54,080
Speaker 2: of the other, you.

1159
00:51:54,120 --> 00:51:56,279
Speaker 3: Know, she figured out what Mike, she figured out what

1160
00:51:56,640 --> 00:51:58,759
Speaker 3: what formula, where to put it, how to put it,

1161
00:51:59,160 --> 00:52:02,640
Speaker 3: and now here we are all right, potting freaking podcasting

1162
00:52:02,840 --> 00:52:03,200
Speaker 3: pot and.

1163
00:52:03,280 --> 00:52:04,840
Speaker 2: So right, we're patting.

1164
00:52:05,239 --> 00:52:06,960
Speaker 3: And so that's what I mean, is that, like, you know,

1165
00:52:07,239 --> 00:52:11,840
Speaker 3: just whatever that thing is, do it in some capacity,

1166
00:52:11,960 --> 00:52:14,640
Speaker 3: and you know, because that's really what makes life worth living,

1167
00:52:15,040 --> 00:52:17,759
Speaker 3: you know. I mean, even if I wasn't doing this

1168
00:52:17,880 --> 00:52:21,000
Speaker 3: for a living, I probably would still be doing teaching.

1169
00:52:21,120 --> 00:52:21,759
Speaker 2: I was doing that.

1170
00:52:21,880 --> 00:52:24,440
Speaker 3: I was teaching financial education to my friends in college

1171
00:52:24,800 --> 00:52:26,320
Speaker 3: just because it was fun and it brought me just

1172
00:52:26,360 --> 00:52:28,080
Speaker 3: as much joy as doing it for a living. And

1173
00:52:28,200 --> 00:52:30,000
Speaker 3: one day I might not do it for a living,

1174
00:52:30,080 --> 00:52:32,200
Speaker 3: I might do something else, and I probably still be

1175
00:52:32,239 --> 00:52:34,080
Speaker 3: talking to people about money. Like every time I see

1176
00:52:34,120 --> 00:52:36,719
Speaker 3: my dad, Mandy, it's so cute, like we'll talk talk talk,

1177
00:52:36,800 --> 00:52:41,360
Speaker 3: talk talk, and like literally, without fail, he will stop

1178
00:52:41,440 --> 00:52:44,000
Speaker 3: and be like, oh, so did you see your taxes?

1179
00:52:44,080 --> 00:52:45,759
Speaker 3: Make sure you tell your accounting this and make sure

1180
00:52:45,800 --> 00:52:48,640
Speaker 3: are you putting this in your insurance? And like, without fail,

1181
00:52:48,760 --> 00:52:50,920
Speaker 3: he will always leave me and my sisters with a

1182
00:52:50,960 --> 00:52:53,680
Speaker 3: financial lesson. I don't even think he realizes because that

1183
00:52:53,880 --> 00:52:57,040
Speaker 3: is his passion and he didn't teach financial education for

1184
00:52:57,080 --> 00:52:59,839
Speaker 3: a living, but he has always taught that to people

1185
00:53:00,000 --> 00:53:02,520
Speaker 3: around him. So yeah, just make sure that you're encompassing

1186
00:53:02,600 --> 00:53:04,440
Speaker 3: your passion in your life in some.

1187
00:53:04,560 --> 00:53:07,719
Speaker 1: Way, in some way. That's a nice time to end

1188
00:53:07,760 --> 00:53:08,200
Speaker 1: this show on.

1189
00:53:08,719 --> 00:53:11,200
Speaker 3: I know we've all positive and stuff because usually we're like,

1190
00:53:11,400 --> 00:53:12,120
Speaker 3: we hate the world.

1191
00:53:12,280 --> 00:53:13,160
Speaker 2: Kanye, You're crazy.

1192
00:53:13,239 --> 00:53:19,120
Speaker 1: Sit down, we'll make an effort. Okay, I'm gonna bring

1193
00:53:19,239 --> 00:53:22,120
Speaker 1: my usual buzzworthy topics. You bring some positive news to

1194
00:53:22,200 --> 00:53:25,440
Speaker 1: be the positive news fairy. How about that? You want

1195
00:53:25,480 --> 00:53:26,680
Speaker 1: positive news, you gotta bring it.

1196
00:53:27,120 --> 00:53:27,680
Speaker 2: Oh, you know what.

1197
00:53:27,800 --> 00:53:28,120
Speaker 1: I like that.

1198
00:53:28,200 --> 00:53:31,640
Speaker 2: You're right, that's a good call to action. Yes, positive

1199
00:53:31,680 --> 00:53:32,200
Speaker 2: news fairy.

1200
00:53:32,480 --> 00:53:35,719
Speaker 1: All right, already, guys, we will see you next week.

1201
00:53:36,520 --> 00:53:38,000
Speaker 2: You will indeed. Bye.