WEBVTT - Ep. 28 — The Live Richer Academy 0:00:19.360 --> 0:00:23.880 My notes up. How are things well. 0:00:23.800 --> 0:00:26.840 Things are good. I have some big news. Well, first 0:00:26.840 --> 0:00:30.880 half was the r The Patriots of You were gorgeous. 0:00:31.080 --> 0:00:33.520 Oh thanks. It was beautiful. It was a nice little 0:00:33.600 --> 0:00:34.920 It was a nice trip. It was a lot of 0:00:34.960 --> 0:00:38.080 family the first half of the trip and then a 0:00:38.120 --> 0:00:40.160 lot of beach time in the last half of the trip. 0:00:41.600 --> 0:00:43.800 Had some sad news though. My last day of the vacation, 0:00:43.840 --> 0:00:45.400 I found out that my uncle passed away. 0:00:45.960 --> 0:00:47.360 Oh so sorry to hear that. 0:00:47.680 --> 0:00:49.280 Yeah, it was kind of a I mean, it was 0:00:49.280 --> 0:00:51.919 a last day of the trip. But so I went 0:00:52.000 --> 0:00:55.520 straight from here. I came home and for a day, 0:00:55.600 --> 0:00:58.120 and then I went to Atlanta. I mean, it was 0:00:58.200 --> 0:01:00.440 ended up being a special kind of time because all 0:01:00.440 --> 0:01:03.120 of my family came in from you know, Wisconsin and 0:01:03.200 --> 0:01:06.560 Minneapolis and Georgia, and everybody sort of gathered together. But 0:01:06.920 --> 0:01:08.680 it was really sad because he was so young. 0:01:09.800 --> 0:01:11.680 This is your mom's brother, your father's brother. 0:01:12.000 --> 0:01:13.000 Yeah, my mom's brother. 0:01:13.360 --> 0:01:13.760 Okay. 0:01:13.920 --> 0:01:16.679 So I will say, if anybody has a if you 0:01:16.760 --> 0:01:18.680 have to, you know, buy a last minute flight. Those 0:01:18.720 --> 0:01:22.200 flights were not messing around, even from a New York 0:01:22.240 --> 0:01:24.520 to Atlanta, which is usually about two point fifty it 0:01:24.600 --> 0:01:26.560 was over eight hundred dollars for me because it was 0:01:26.640 --> 0:01:29.920 last minute. But Delta and other airlines they have like 0:01:29.959 --> 0:01:32.759 the bereavement discount, so if you tell them I made 0:01:32.760 --> 0:01:35.480 the mistake of I had enough miles saved up to 0:01:35.520 --> 0:01:37.520 pay for it, so I didn't even think about the 0:01:37.560 --> 0:01:40.039 bereavement discount. But I'm going to I'm in retrospect. I'm 0:01:40.040 --> 0:01:42.319 going to go ask for them. But you have to 0:01:42.319 --> 0:01:44.720 have like a death certificate and all that kind of stuff, 0:01:44.760 --> 0:01:47.680 so it takes a little while. But airlines they do 0:01:47.760 --> 0:01:49.640 give you, like a my mom, I think I got 0:01:49.640 --> 0:01:52.640 one hundred and fifty dollars discount. They'll give you something, 0:01:52.680 --> 0:01:55.000 so I mean, it can kind of help, but it's 0:01:55.320 --> 0:01:56.440 it's very expensive. 0:01:57.240 --> 0:01:58.560 We didn't even greet everybody. 0:01:59.160 --> 0:02:01.800 Oh yeah, hi people, Hey have. 0:02:01.760 --> 0:02:02.400 You missed us? 0:02:02.480 --> 0:02:04.600 I know some of you guys have been like tweeting 0:02:04.720 --> 0:02:06.200 us and stuff like I miss y'all. 0:02:06.200 --> 0:02:06.600 What you met? 0:02:06.680 --> 0:02:07.040 She too? 0:02:08.080 --> 0:02:10.520 I know, sorry we were gone. It was a weird 0:02:10.560 --> 0:02:12.919 like two week, little two week period there. 0:02:13.280 --> 0:02:15.720 I know, right, don't forget about ass. 0:02:17.320 --> 0:02:19.000 To get a lot of cute emails and tweets. So 0:02:19.360 --> 0:02:23.000 happy to be back, yes, for sure. So what's your 0:02:23.040 --> 0:02:23.919 what's your news. 0:02:24.960 --> 0:02:29.440 Oh so after working on it for like a year 0:02:29.560 --> 0:02:33.720 really a hardcore six months, but for a full year, finally, 0:02:33.840 --> 0:02:35.880 like my I told you, I was working on the 0:02:35.919 --> 0:02:37.320 Liveature Academy. 0:02:37.000 --> 0:02:38.040 Right yep. 0:02:38.680 --> 0:02:41.680 And so I don't know it's you know, whenever you 0:02:41.720 --> 0:02:44.360 do something new, you just never know how it's gonna go, 0:02:44.680 --> 0:02:46.799 you know, you never know if it's gonna go well. 0:02:46.919 --> 0:02:51.240 And so we launched it, me and the team, and 0:02:51.440 --> 0:02:52.760 I was like, oh my god, man, you have no 0:02:52.800 --> 0:02:54.840 idea that. Like I at first I thought it's got 0:02:54.880 --> 0:02:56.960 a big deal. You know, you tell yourself that until 0:02:57.000 --> 0:02:59.880 you feel like you know your insides are like leaking. 0:02:59.560 --> 0:03:01.320 Out on this time. 0:03:02.560 --> 0:03:02.840 I know. 0:03:03.280 --> 0:03:06.000 And so we launched at eight am on a Wednesday. 0:03:06.320 --> 0:03:07.840 Wait, so tell the people what it is? 0:03:08.240 --> 0:03:08.840 Oh that's true. 0:03:08.880 --> 0:03:09.200 Sorry. 0:03:09.280 --> 0:03:12.600 Yeah. So so for those of you who don't know, 0:03:12.639 --> 0:03:13.040 so I have. 0:03:13.560 --> 0:03:16.720 I have a business called the budget Nista that's also 0:03:16.800 --> 0:03:21.400 like my moniker. I teach financial fun financial educations specifically 0:03:21.400 --> 0:03:23.760 for women, although I don't leave men out, so please 0:03:23.760 --> 0:03:24.360 don't tweet me. 0:03:24.440 --> 0:03:26.320 Yes man, we get it. I know, yes, money for 0:03:26.320 --> 0:03:26.679 you too. 0:03:27.160 --> 0:03:30.880 So the last two years, I've done this free online 0:03:31.440 --> 0:03:33.560 challenge called the Liverature Challenge and it's. 0:03:33.440 --> 0:03:35.920 Done really well and it's fun and you can still 0:03:35.960 --> 0:03:36.160 do it. 0:03:36.160 --> 0:03:39.120 It's free at liveratrechallenge dot com and it just takes 0:03:39.160 --> 0:03:42.800 you step by step through a savings challenge. 0:03:42.800 --> 0:03:43.800 That's what it is this year. 0:03:44.280 --> 0:03:48.280 And like at the end of doing the challenges, people 0:03:48.280 --> 0:03:49.600 always ask me for more. 0:03:49.640 --> 0:03:52.440 They're like, hey, Tiffany, you know I really this is great. 0:03:52.480 --> 0:03:54.320 I learned how to save, and I learned how to budget, 0:03:54.320 --> 0:03:56.080 and you've taught me the basics, but I want more. 0:03:56.080 --> 0:03:58.440 I want to learn how to invest, which quite honestly, 0:03:58.560 --> 0:04:04.040 that's not my suit. Student loans, credit beyond the basics, 0:04:04.040 --> 0:04:07.880 and stuff like that, like relationships and money even traveling money. 0:04:08.000 --> 0:04:10.240 So these are things that I'm not an expert in, 0:04:10.280 --> 0:04:11.920 so I didn't want to pretend and be like, sure, 0:04:11.960 --> 0:04:14.600 i'll teach you. So, but I do have expert friends 0:04:14.640 --> 0:04:17.000 and sidebar, Mandy's totally going to be an instructor, she 0:04:17.080 --> 0:04:17.640 just doesn't. 0:04:17.440 --> 0:04:19.040 Know it anyway. 0:04:19.560 --> 0:04:21.880 So I do have expert friends, and so I tapped 0:04:21.880 --> 0:04:24.320 into some of them. If it asked, they would do 0:04:24.440 --> 0:04:28.440 some online courses and like tape them, videotape them and 0:04:28.480 --> 0:04:31.039 then write them out and create like some homework and 0:04:31.040 --> 0:04:32.560 stuff for it, and they said yes. So for the 0:04:32.600 --> 0:04:35.839 last six months, my friends from around the country. We 0:04:35.960 --> 0:04:40.080 have someone in Colorado, a friend in Atlanta, Chicago. They've 0:04:40.120 --> 0:04:42.120 been taping and writing their courses and right now there 0:04:42.120 --> 0:04:45.640 are nine courses up, and there's travel on a budget, 0:04:45.880 --> 0:04:49.440 relationships and money to investment courses. And I put it 0:04:49.480 --> 0:04:53.560 all under this project called the Live Richer Academy, basically 0:04:53.880 --> 0:04:59.520 like an online fun financial school. And originally I was 0:04:59.560 --> 0:05:03.520 gonna make the Academy to be about like twenty four 0:05:03.760 --> 0:05:05.960 ninety nine a month. That was like my original plan 0:05:06.000 --> 0:05:08.920 because talking to like my my business coach friends and. 0:05:08.839 --> 0:05:11.440 Stuff, and I don't know. 0:05:11.480 --> 0:05:12.920 I just woke up one day and I felt weird 0:05:12.960 --> 0:05:14.599 about it because I thought, like that's just too much. 0:05:15.120 --> 0:05:17.240 Like I know my audience and I know what they 0:05:17.279 --> 0:05:17.880 can afford. 0:05:18.040 --> 0:05:21.400 And then I've decided to for two thousand of them 0:05:21.680 --> 0:05:24.320 to drop it to nine ninety nine a month, like just. 0:05:24.320 --> 0:05:25.520 Under ten bucks. 0:05:25.560 --> 0:05:28.520 And we launched on Wednesday, and I didn't think anything 0:05:28.520 --> 0:05:30.119 of it. I just was like, Okay, you know, guys, 0:05:30.520 --> 0:05:32.800 I knew when I was struggling financially, I couldn't pay 0:05:32.800 --> 0:05:35.120 twenty four ninety nine a month. So I'm just gonna 0:05:35.160 --> 0:05:37.080 drop it to nine ninety nine for two thousand folks, 0:05:37.120 --> 0:05:39.560 thinking like, you know, we'll get like, I don't know, 0:05:39.640 --> 0:05:42.320 five hundred and six hundred sign up, uh Mandy the 0:05:43.160 --> 0:05:46.839 eight am and like so like I have a Facebook 0:05:46.880 --> 0:05:49.640 group where the Live Ritual Challenge people kind of like 0:05:49.680 --> 0:05:52.599 hang out and we help each other daily. And at 0:05:52.640 --> 0:05:54.800 eight am, so they're there, I'm seeing them, like right 0:05:54.800 --> 0:05:56.919 in the group at eight am. Yo, I'm up, I 0:05:56.960 --> 0:05:59.039 said the alarm y'all ain't getting my spot. I'm like, 0:05:59.080 --> 0:05:59.960 it's two thousand spot. 0:06:00.080 --> 0:06:02.880 They're not gonna go right at smart marketing. 0:06:03.680 --> 0:06:04.960 But honestly, it wasn't even that. 0:06:04.960 --> 0:06:07.479 That's so that if anybody knows me, they know that 0:06:07.520 --> 0:06:10.320 I tumble into everything that wasn't even marketing. I really 0:06:10.520 --> 0:06:12.919 was like, I just like, it's like I couldn't sleep. 0:06:13.000 --> 0:06:15.000 I was like Tiffany twenty four ninety nine. It's too 0:06:15.080 --> 0:06:18.359 much the average DreamCatcher. That's the that's the name that 0:06:18.360 --> 0:06:20.600 we give ourselves in the group. They can't afford that, 0:06:20.800 --> 0:06:23.039 you know, And so I just it just didn't sit 0:06:23.080 --> 0:06:23.560 well with me. 0:06:23.600 --> 0:06:25.720 And I'm like an overly emotional person. 0:06:25.839 --> 0:06:28.000 I'm a libra and if it doesn't sit well, it's 0:06:28.040 --> 0:06:31.000 like I can't I can't function if I don't feel 0:06:31.000 --> 0:06:33.560 like something's not right. And so literally it wasn't even 0:06:33.560 --> 0:06:36.160 a marketing point. It was just Tiffany dropped the dag 0:06:36.160 --> 0:06:38.160 on price already, you know you don't feel right, and 0:06:38.200 --> 0:06:41.120 so I did, and so as a result it ended 0:06:41.200 --> 0:06:45.000 up being good marketing. I was like, whoa eight oh one, Mandy, 0:06:45.440 --> 0:06:46.880 I try to log onto the site and I'm like, 0:06:46.920 --> 0:06:49.359 oh my god, I think I messed up, Like the 0:06:49.440 --> 0:06:52.680 site wouldn't like load. It's because they damn near broke it. 0:06:52.760 --> 0:06:55.200 At eight oh one, one hundred and thirty people signed out. 0:06:55.480 --> 0:06:59.279 Aight oh two two hundred maybe by eight thirty a 0:06:59.279 --> 0:07:03.520 little over three, and by nine o'clock a thousand people 0:07:03.560 --> 0:07:04.160 had signed up. 0:07:04.160 --> 0:07:05.880 I was like, are you freaking kide? 0:07:07.520 --> 0:07:11.000 And by like right, by a little over twenty four hours, 0:07:11.000 --> 0:07:13.680 So like by day two, before the end of day two, 0:07:14.120 --> 0:07:16.520 we had already sold out of the two thousand spots, 0:07:16.800 --> 0:07:19.720 and then people started emailing me like, Tiffany, I just 0:07:19.760 --> 0:07:21.840 made up an arbitrary number two thousand because I just 0:07:21.840 --> 0:07:23.880 figured we're not getting two thousand. I'll just say that 0:07:24.200 --> 0:07:26.560 and people were emailing me like, oh please, I can't 0:07:26.560 --> 0:07:29.520 afford the twenty four ninety nine, can you like lower it? 0:07:29.560 --> 0:07:31.440 So I said, you know what, I'm just going to 0:07:31.760 --> 0:07:35.040 keep it at nine ninety nine for registration just period. 0:07:35.280 --> 0:07:39.640 It's from Wednesday to Wednesday. So registration closes Wednesday, the 0:07:39.720 --> 0:07:42.520 sixteenth of March, and then I don't know when I'm 0:07:42.520 --> 0:07:44.360 going to open back up registration. I just want to 0:07:44.360 --> 0:07:45.680 really take care of the students we have. 0:07:45.840 --> 0:07:47.680 But yeah, so I. 0:07:47.600 --> 0:07:49.360 Don't even know how many people were gonna get But 0:07:50.000 --> 0:07:52.080 and I've been nervous about the feedback, but honestly, the 0:07:52.080 --> 0:07:54.640 feedback has been amazing. People have been like writing me 0:07:54.720 --> 0:07:57.840 telling me how much they're enjoying the classes, how much 0:07:57.880 --> 0:07:59.080 they really like the instructors. 0:07:59.440 --> 0:08:01.320 It's just freaking crazy. 0:08:01.720 --> 0:08:04.640 So I'm just really excited about this next level because 0:08:04.680 --> 0:08:07.320 what this means is that those people who have been 0:08:07.320 --> 0:08:09.360 writing with me and who have learned how to do 0:08:09.440 --> 0:08:12.920 the basic financial stuff that I've taught them, now I 0:08:13.040 --> 0:08:16.680 can I can show them, not me technically personally, but 0:08:16.800 --> 0:08:19.120 I can. I have the ability now to help push 0:08:19.200 --> 0:08:21.160 them to the next level. And I can do so 0:08:21.400 --> 0:08:23.720 where it doesn't hurt them financially, like I'm not a 0:08:23.760 --> 0:08:26.160 financial burden. That's always like my biggest thing, Like I 0:08:26.160 --> 0:08:27.440 don't want to take from anyone. 0:08:27.480 --> 0:08:29.360 I want to make sure that you're good. That's the 0:08:29.360 --> 0:08:31.080 purpose of my business. 0:08:31.120 --> 0:08:33.960 And so if you're interested, you certainly can join us 0:08:34.000 --> 0:08:38.800 at the Liverature Academy at live richeracademy dot com. We're 0:08:38.840 --> 0:08:42.720 totally rocking out. There's three main components. We have an 0:08:42.800 --> 0:08:45.160 off Facebook private form where we all hang out. 0:08:45.800 --> 0:08:46.560 We have the. 0:08:46.480 --> 0:08:50.120 Pre taped and pre recorded courses, and then once or 0:08:50.160 --> 0:08:52.120 twice a month, we're gonna have a live course. This 0:08:52.160 --> 0:08:53.520 is where I want you to come and Mandy, unless 0:08:53.520 --> 0:08:55.600 you want to write a full course is I'm gonna 0:08:55.600 --> 0:08:59.320 be interviewing my like financial friends from around the country 0:08:59.520 --> 0:09:02.880 and a live video like a chat, and you guys 0:09:02.920 --> 0:09:04.600 can ask them questions so you can be like, oh 0:09:04.600 --> 0:09:06.360 my god, you're having Mandy on. I totally want to 0:09:06.400 --> 0:09:08.360 know this, this, this, and this, and you can come 0:09:08.400 --> 0:09:12.560 on and pick her brain and yeah, it's just dope, 0:09:12.600 --> 0:09:15.120 because I know some people like live stuff, some people 0:09:15.240 --> 0:09:16.600 want to be able to work on their own, and 0:09:16.640 --> 0:09:17.840 some people need a community. 0:09:17.960 --> 0:09:20.199 So the teacher like, if you know me, I used 0:09:20.200 --> 0:09:22.199 to be a school teacher. The teacher and me want to. 0:09:22.120 --> 0:09:25.280 Provide three ways for you to learn, and yeah, the 0:09:25.400 --> 0:09:27.079 Live Richer Academy dot com. 0:09:27.120 --> 0:09:27.880 We're rocking out. 0:09:28.280 --> 0:09:29.360 Oh I'm on the site right now. 0:09:29.400 --> 0:09:32.679 Looks amazing, Isn't it so cute with a little like 0:09:33.360 --> 0:09:34.920 I tried to make it like, oh my god, you 0:09:34.920 --> 0:09:39.040 have no idea, Like ladies, Yes, I try to make 0:09:39.080 --> 0:09:40.480 sure that like you see, like I try to make 0:09:40.480 --> 0:09:43.040 sure to represent every color woman, like, Okay, I know 0:09:43.080 --> 0:09:45.959 it's not all brown women, but like I just wanted 0:09:45.960 --> 0:09:47.360 women to come and feel good. 0:09:47.200 --> 0:09:48.400 About it, like, oh this is me. 0:09:48.520 --> 0:09:50.880 She's talking to me and I'm learning and it's fun 0:09:51.000 --> 0:09:53.800 and my sisters are here, and yeah, I just really 0:09:53.800 --> 0:09:57.320 feel really proud of it because I really think like, 0:09:57.320 --> 0:09:59.720 like this is going to really help. 0:09:59.640 --> 0:10:00.840 Not just like me. 0:10:00.960 --> 0:10:03.960 I'm taking the dagone investment courses and then women are 0:10:03.960 --> 0:10:06.439 already like I love Mary. We have two investment teachers, 0:10:06.840 --> 0:10:09.679 Mary who's like this older white lady from Colorado, and 0:10:09.679 --> 0:10:12.679 then we have Maybell, who's this young Dominican girl from 0:10:13.000 --> 0:10:16.240 from Brooklyn. So I'm really trying to get all types 0:10:16.280 --> 0:10:19.439 of like dope women and some men too, hopefully from 0:10:19.480 --> 0:10:22.040 around the country to just teach you what they know best. 0:10:22.080 --> 0:10:25.080 And Mary is actually an instructure at the University of 0:10:25.080 --> 0:10:29.360 Colorado for investing, and Maybell has her NBA and finance 0:10:29.400 --> 0:10:31.760 and it's a financial analyst by trade. So I'm not 0:10:31.800 --> 0:10:35.239 just choosing like random folks. Like everyone is either certified 0:10:35.400 --> 0:10:38.600 working in this field. Thus it's for a living. So yeah, 0:10:38.600 --> 0:10:40.680 everybody's really amazing. So Mandy, you have to tell me, 0:10:40.720 --> 0:10:42.000 like what you want to come on and teach. 0:10:42.400 --> 0:10:44.520 Oh, I'm so happy for you. This looks really cool. 0:10:45.040 --> 0:10:48.040 Thanks Live Ritro Academy dot com. 0:10:51.600 --> 0:10:54.000 What about you like besides so let me tell you 0:10:54.000 --> 0:10:56.000 Mandy has this picture of her in this yellow dress 0:10:56.080 --> 0:10:57.840 in dr which I'm like, oh my god, I have 0:10:57.880 --> 0:10:59.479 to ask Mandy where she got that drugs. 0:11:00.760 --> 0:11:03.360 You can I got it at Lulu dot com. Lulu wait, 0:11:03.440 --> 0:11:05.880 Lulu or LULUs with an s. It's l oh yeah, 0:11:06.080 --> 0:11:08.520 l u l u s dot com. Super cute. They 0:11:08.520 --> 0:11:12.360 have really cute dresses. I'm just I was trying to 0:11:12.360 --> 0:11:14.560 find like a place I could shop for clothes that 0:11:14.720 --> 0:11:17.200 wasn't like my typical Gap or H and M or 0:11:17.200 --> 0:11:19.920 for I'm just like sick of those stores. You know, yeah, 0:11:20.000 --> 0:11:21.920 and I wanted some I wanted a nice dress because 0:11:21.920 --> 0:11:24.880 we were doing we were doing some engagement photos, so. 0:11:26.679 --> 0:11:27.440 It's so cute. 0:11:27.480 --> 0:11:29.240 I was like, oh my god that first of all, 0:11:29.520 --> 0:11:31.360 the shape is like everything on you. I'm like, oh 0:11:31.400 --> 0:11:34.200 my god, Mandy looks man. And then you're like all brown. 0:11:34.320 --> 0:11:36.040 Like I know, you guys are not necessarily friends with 0:11:36.080 --> 0:11:37.600 Mandy on Facebook. You're lost. 0:11:37.960 --> 0:11:39.199 No, I'm just Instagram. 0:11:39.679 --> 0:11:42.040 Yeah, oh Mandy, when you what's your name on Instagram? 0:11:42.040 --> 0:11:44.520 Because honestly, Mandy looks like everything in that dress. I'm like, 0:11:44.559 --> 0:11:45.480 I love that dress. 0:11:46.960 --> 0:11:52.120 Uh Instagram Mandy with an eye money, Mandy money. Yeah. 0:11:52.200 --> 0:11:54.960 It was thank you, thank you, think well, thank you 0:11:55.040 --> 0:11:55.360 very much. 0:11:55.440 --> 0:11:55.640 Yeah. 0:11:55.679 --> 0:11:57.560 I ordered a bunch of beach clothing that I will 0:11:57.559 --> 0:11:59.839 never I have like to wait five months to wear 0:12:00.120 --> 0:12:03.600 because it's not going to be summer here until like August. No, 0:12:03.679 --> 0:12:06.680 it was really nice. Sometimes it's fun to treat yourself. Yeah, 0:12:06.800 --> 0:12:09.800 take a little bit of that tax return money. Speaking 0:12:09.800 --> 0:12:13.959 of which, I had an amazing experience with my CPA 0:12:14.040 --> 0:12:17.920 from Yelp. I must say, oh, yes, do cow he 0:12:18.120 --> 0:12:20.439 his name is Paul. He's super cool. He's just a 0:12:20.520 --> 0:12:22.920 chill dude. I mean, he runs a local business out 0:12:22.920 --> 0:12:25.600 of my neighborhood. He owns a house like two blocks 0:12:25.600 --> 0:12:28.120 from where he lives works, and I mean I just 0:12:28.160 --> 0:12:30.080 sat down with him and it took about half an hour, 0:12:30.160 --> 0:12:32.960 and he you know, I'm not. I had. I had 0:12:32.960 --> 0:12:35.760 a pretty sizeable tax refund this year, and I was like, 0:12:35.760 --> 0:12:38.400 wait a second, why is it so much? And I 0:12:38.440 --> 0:12:39.839 was like, look, can you look at last year's tax 0:12:39.840 --> 0:12:42.040 return makes last year I ended up owing some money. 0:12:42.080 --> 0:12:44.000 And he looked up my tax term from last year. 0:12:44.040 --> 0:12:47.880 He's like, oh, yeah, you messed up and I was like, yeah, 0:12:47.920 --> 0:12:49.440 I thought I might have because this is my first 0:12:49.559 --> 0:12:53.400 year ever having stock from company stock and I reported 0:12:53.400 --> 0:12:55.319 it incorrectly to make it look like I had earned 0:12:55.320 --> 0:12:58.760 all this extra money that I hadn't actually, So he 0:12:58.800 --> 0:13:00.400 fixed that for me and he's like, oh, here's two 0:13:00.440 --> 0:13:03.320 thousand more dollars in your refund. And I was like, great, 0:13:03.440 --> 0:13:05.760 you're awesome. I will be using every year forever. 0:13:06.320 --> 0:13:08.840 That is awesome. I know you were like, wait a minute, 0:13:08.920 --> 0:13:12.280 let me get some Lulu dresses. Well. 0:13:12.320 --> 0:13:14.400 I hesitate to say that because I don't love the 0:13:14.440 --> 0:13:16.760 idea of treating a tax refund as like, oh, I'm 0:13:16.800 --> 0:13:18.760 gonna go like for my vacation for dr Like I 0:13:18.760 --> 0:13:21.000 already had that money in savings. I don't like to 0:13:21.040 --> 0:13:23.800 rely on the tax refund. Also, it's not like it's 0:13:23.840 --> 0:13:25.680 not always the best sign if you get a huge 0:13:25.679 --> 0:13:30.360 tax refund, because then yeah, you're maybe like not you're 0:13:30.400 --> 0:13:33.000 you're paying too little in taxes or sorry, not paying 0:13:33.080 --> 0:13:35.319 enough in taxes. Wait what am I trying to say? 0:13:35.520 --> 0:13:37.080 No, you have paid tax renxemptions. 0:13:37.120 --> 0:13:40.239 Wrong, Yeah, you're paying too much throughout the year. Yeah, 0:13:40.320 --> 0:13:42.520 so you could maybe look at your adjustments or your 0:13:43.000 --> 0:13:46.199 your exemptions and and talk it over with someone. But 0:13:46.520 --> 0:13:49.440 other than that, I was happy, and I referred my friends. 0:13:49.480 --> 0:13:51.320 I think he gave me a little discount for referring 0:13:51.360 --> 0:13:54.480 my friends to him. They're like newly married and they 0:13:54.480 --> 0:13:57.360 live in the neighborhood too, So go ahead, yelp, you 0:13:57.400 --> 0:13:58.200 haven't failed me yet. 0:14:00.160 --> 0:14:00.480 Family. 0:14:00.600 --> 0:14:03.559 Nah, but again, I totally feel like you should get 0:14:03.840 --> 0:14:07.640 a personal referral. YELP. Was just because none of my 0:14:07.679 --> 0:14:10.319 friends actually have tax agents, you know. 0:14:10.320 --> 0:14:12.160 And that's always that, you know. I guess I always 0:14:12.160 --> 0:14:13.640 thought that was so weird to me. People are like, oh, 0:14:13.640 --> 0:14:15.800 I don't have an accountant because you know, I guess 0:14:15.840 --> 0:14:17.839 because I grew up my dad was an accountant, so 0:14:18.040 --> 0:14:20.440 I've always had like, literally, i've had an accountant in 0:14:20.480 --> 0:14:23.040 my whole life. And then when he was sick and 0:14:23.040 --> 0:14:25.680 tired of doing my taxes for me, well one he 0:14:25.760 --> 0:14:27.400 taught me how to use turbo tax and then he 0:14:27.440 --> 0:14:29.640 would overview it like he would go over it. And 0:14:29.720 --> 0:14:33.000 then I just didn't think to not have one. So 0:14:33.040 --> 0:14:35.560 then a friend of mine was telling me about her accountant, 0:14:35.560 --> 0:14:37.280 and I was like, okay, well you'll be my when 0:14:37.280 --> 0:14:39.080 I was in my twenties, you'll be my accountant. But 0:14:39.440 --> 0:14:41.640 I just thought of an accountant like a doctor because 0:14:42.160 --> 0:14:44.400 my dad was one. But I think back on it now, 0:14:44.440 --> 0:14:46.040 I guess a lot of people don't have accountants. 0:14:46.040 --> 0:14:47.800 They just go to like H and R. Block and stuff, 0:14:47.800 --> 0:14:49.880 and yeah. 0:14:49.280 --> 0:14:52.000 I always hear like, oh yeah, well my uncle or 0:14:52.120 --> 0:14:53.720 my mom. I always like a lot of my friends 0:14:53.840 --> 0:14:56.160 use their parents accountants. They send their stuff to their parents. 0:14:56.200 --> 0:14:58.120 I'm like, I didn't come from a family where that 0:14:58.240 --> 0:15:01.280 was thing, like it was an miracle if someone did 0:15:01.280 --> 0:15:04.040 their taxes on turbo tax. So yeah, for anyone who 0:15:04.120 --> 0:15:07.040 started learning from scratch, I understand that, like it's a 0:15:07.120 --> 0:15:09.600 it's a it's a it's a scary thing because you 0:15:09.600 --> 0:15:12.240 don't know really who to trust. Yeah, but I'm glad 0:15:12.280 --> 0:15:20.280 that's all behind me. Things are okay in Mandyland. 0:15:20.720 --> 0:15:22.040 Look, everybody's doing. 0:15:21.920 --> 0:15:26.840 Good enough about us. Let's talk about someone who's like 0:15:26.880 --> 0:15:31.120 struggling with life right now, because I think it's so hilarious. 0:15:31.680 --> 0:15:34.520 Uh have you heard? 0:15:35.560 --> 0:15:37.240 No, what is going on with Viddy? 0:15:37.720 --> 0:15:41.520 So he's bankrupt, he's he found that? Oh yeah, oh yeah, 0:15:41.560 --> 0:15:44.120 he's been bankrupt. When did he fillow bankruptcy? It's been 0:15:44.160 --> 0:15:48.080 a minute he's had he's had money issues for a while. 0:15:48.880 --> 0:15:51.040 Like real money issues or pretend like you know, fifty 0:15:51.080 --> 0:15:51.960 cent money issues. 0:15:52.200 --> 0:15:55.480 Yes, No, like real like he's broke. Somehow he's broke. 0:15:55.680 --> 0:15:59.680 Somehow He's still a millionaire, but he's broke. He's foiled bankruptcy. 0:16:00.200 --> 0:16:02.800 I think wait, I think he followed bankruptcy back in 0:16:02.880 --> 0:16:05.680 two thousand and seven. Anyway, he's back in bankruptcy court. 0:16:06.200 --> 0:16:09.200 But here's the decision, here's the situation right now. Recently 0:16:09.240 --> 0:16:11.680 he was on his Instagram account and there was photos 0:16:11.720 --> 0:16:14.720 of him posing with not just like stacks of money, 0:16:15.520 --> 0:16:18.240 like stacks of money laid out in the shape of 0:16:18.440 --> 0:16:22.600 words like I think it was money laid out in 0:16:22.640 --> 0:16:26.120 the form of like the word cash or something crazy 0:16:26.200 --> 0:16:29.720 like just so you know, like extra ignorance. Oh no, no, no, 0:16:29.760 --> 0:16:32.200 it's even worse than what I remembered. It's stacks of 0:16:32.320 --> 0:16:36.320 bills spelled out, stacked up to spell out the word broke. 0:16:37.000 --> 0:16:40.200 Like hall you want to be cute? You forgot that 0:16:40.240 --> 0:16:42.200 the government has Instagram too, booboo. 0:16:42.200 --> 0:16:44.760 Oh yeah, real cute. Not just that. On Valentine's Day 0:16:44.800 --> 0:16:47.080 there's a picture of a box of chocolates, but instead 0:16:47.080 --> 0:16:51.960 of chocolates, it's dollar bills wadded up. Here's the thing though, 0:16:52.000 --> 0:16:54.040 So he's in bankruptcy court right now, and a judge 0:16:54.080 --> 0:16:56.840 is interested in these photos. So you're trying the bankrupt 0:16:57.520 --> 0:17:00.280 and yet you have all these money, Like all these 0:17:00.280 --> 0:17:01.640 photos of you surrounded. 0:17:01.240 --> 0:17:04.000 By what's of cash? Got them? 0:17:04.280 --> 0:17:07.120 The Connecticut judge in Connecticut said she was concerned about 0:17:07.119 --> 0:17:10.040 the allegations of lack of transparency in the case, and 0:17:10.080 --> 0:17:13.120 she ordered the rapper to explain the pictures. He explained 0:17:13.119 --> 0:17:15.200 it by saying, what I think is the best. It's 0:17:15.280 --> 0:17:17.520 like my favorite sentence ever because it's so honest, and 0:17:17.560 --> 0:17:20.600 I wish everybody who's ever thought the grass was greener 0:17:20.680 --> 0:17:24.240 or thought that the Kardashians next door were living the 0:17:24.280 --> 0:17:27.479 life that you should be leading. Sometimes it's just a lie, 0:17:27.840 --> 0:17:30.440 he says. This is his quote. He said, just because 0:17:30.480 --> 0:17:33.680 I'm photographed in or next to a certain vehicle, wearing 0:17:33.720 --> 0:17:36.399 an article of clothing, holding a product, sitting next to 0:17:36.400 --> 0:17:38.800 what appears to be large sums of money, or modeling 0:17:38.840 --> 0:17:41.880 expensive pieces of jewelry does not mean that I own 0:17:42.000 --> 0:17:47.440 everything in those photos. M like, I wish this. Are 0:17:47.440 --> 0:17:48.000