Speaker 1: My notes up. How are things well.
Speaker 2: Things are good. I have some big news. Well, first
Speaker 2: half was the r The Patriots of You were gorgeous.
Speaker 1: Oh thanks. It was beautiful. It was a nice little
Speaker 1: It was a nice trip. It was a lot of
Speaker 1: family the first half of the trip and then a
Speaker 1: lot of beach time in the last half of the trip.
Speaker 1: Had some sad news though. My last day of the vacation,
Speaker 1: I found out that my uncle passed away.
Speaker 2: Oh so sorry to hear that.
Speaker 1: Yeah, it was kind of a I mean, it was
Speaker 1: a last day of the trip. But so I went
Speaker 1: straight from here. I came home and for a day,
Speaker 1: and then I went to Atlanta. I mean, it was
Speaker 1: ended up being a special kind of time because all
Speaker 1: of my family came in from you know, Wisconsin and
Speaker 1: Minneapolis and Georgia, and everybody sort of gathered together. But
Speaker 1: it was really sad because he was so young.
Speaker 3: This is your mom's brother, your father's brother.
Speaker 1: Yeah, my mom's brother.
Speaker 2: Okay.
Speaker 1: So I will say, if anybody has a if you
Speaker 1: have to, you know, buy a last minute flight. Those
Speaker 1: flights were not messing around, even from a New York
Speaker 1: to Atlanta, which is usually about two point fifty it
Speaker 1: was over eight hundred dollars for me because it was
Speaker 1: last minute. But Delta and other airlines they have like
Speaker 1: the bereavement discount, so if you tell them I made
Speaker 1: the mistake of I had enough miles saved up to
Speaker 1: pay for it, so I didn't even think about the
Speaker 1: bereavement discount. But I'm going to I'm in retrospect. I'm
Speaker 1: going to go ask for them. But you have to
Speaker 1: have like a death certificate and all that kind of stuff,
Speaker 1: so it takes a little while. But airlines they do
Speaker 1: give you, like a my mom, I think I got
Speaker 1: one hundred and fifty dollars discount. They'll give you something,
Speaker 1: so I mean, it can kind of help, but it's
Speaker 1: it's very expensive.
Speaker 2: We didn't even greet everybody.
Speaker 1: Oh yeah, hi people, Hey have.
Speaker 2: You missed us?
Speaker 3: I know some of you guys have been like tweeting
Speaker 3: us and stuff like I miss y'all.
Speaker 2: What you met?
Speaker 3: She too?
Speaker 1: I know, sorry we were gone. It was a weird
Speaker 1: like two week, little two week period there.
Speaker 3: I know, right, don't forget about ass.
Speaker 1: To get a lot of cute emails and tweets. So
Speaker 1: happy to be back, yes, for sure. So what's your
Speaker 1: what's your news.
Speaker 3: Oh so after working on it for like a year
Speaker 3: really a hardcore six months, but for a full year, finally,
Speaker 3: like my I told you, I was working on the
Speaker 3: Liveature Academy.
Speaker 2: Right yep.
Speaker 3: And so I don't know it's you know, whenever you
Speaker 3: do something new, you just never know how it's gonna go,
Speaker 3: you know, you never know if it's gonna go well.
Speaker 3: And so we launched it, me and the team, and
Speaker 3: I was like, oh my god, man, you have no
Speaker 3: idea that. Like I at first I thought it's got
Speaker 3: a big deal. You know, you tell yourself that until
Speaker 3: you feel like you know your insides are like leaking.
Speaker 2: Out on this time.
Speaker 3: I know.
Speaker 2: And so we launched at eight am on a Wednesday.
Speaker 1: Wait, so tell the people what it is?
Speaker 2: Oh that's true.
Speaker 3: Sorry.
Speaker 2: Yeah. So so for those of you who don't know,
Speaker 2: so I have.
Speaker 3: I have a business called the budget Nista that's also
Speaker 3: like my moniker. I teach financial fun financial educations specifically
Speaker 3: for women, although I don't leave men out, so please
Speaker 3: don't tweet me.
Speaker 2: Yes man, we get it. I know, yes, money for
Speaker 2: you too.
Speaker 3: So the last two years, I've done this free online
Speaker 3: challenge called the Liverature Challenge and it's.
Speaker 2: Done really well and it's fun and you can still
Speaker 2: do it.
Speaker 3: It's free at liveratrechallenge dot com and it just takes
Speaker 3: you step by step through a savings challenge.
Speaker 2: That's what it is this year.
Speaker 3: And like at the end of doing the challenges, people
Speaker 3: always ask me for more.
Speaker 2: They're like, hey, Tiffany, you know I really this is great.
Speaker 3: I learned how to save, and I learned how to budget,
Speaker 3: and you've taught me the basics, but I want more.
Speaker 3: I want to learn how to invest, which quite honestly,
Speaker 3: that's not my suit. Student loans, credit beyond the basics,
Speaker 3: and stuff like that, like relationships and money even traveling money.
Speaker 3: So these are things that I'm not an expert in,
Speaker 3: so I didn't want to pretend and be like, sure,
Speaker 3: i'll teach you. So, but I do have expert friends
Speaker 3: and sidebar, Mandy's totally going to be an instructor, she
Speaker 3: just doesn't.
Speaker 2: Know it anyway.
Speaker 3: So I do have expert friends, and so I tapped
Speaker 3: into some of them. If it asked, they would do
Speaker 3: some online courses and like tape them, videotape them and
Speaker 3: then write them out and create like some homework and
Speaker 3: stuff for it, and they said yes. So for the
Speaker 3: last six months, my friends from around the country. We
Speaker 3: have someone in Colorado, a friend in Atlanta, Chicago. They've
Speaker 3: been taping and writing their courses and right now there
Speaker 3: are nine courses up, and there's travel on a budget,
Speaker 3: relationships and money to investment courses. And I put it
Speaker 3: all under this project called the Live Richer Academy, basically
Speaker 3: like an online fun financial school. And originally I was
Speaker 3: gonna make the Academy to be about like twenty four
Speaker 3: ninety nine a month. That was like my original plan
Speaker 3: because talking to like my my business coach friends and.
Speaker 2: Stuff, and I don't know.
Speaker 3: I just woke up one day and I felt weird
Speaker 3: about it because I thought, like that's just too much.
Speaker 2: Like I know my audience and I know what they
Speaker 2: can afford.
Speaker 3: And then I've decided to for two thousand of them
Speaker 3: to drop it to nine ninety nine a month, like just.
Speaker 2: Under ten bucks.
Speaker 3: And we launched on Wednesday, and I didn't think anything
Speaker 3: of it. I just was like, Okay, you know, guys,
Speaker 3: I knew when I was struggling financially, I couldn't pay
Speaker 3: twenty four ninety nine a month. So I'm just gonna
Speaker 3: drop it to nine ninety nine for two thousand folks,
Speaker 3: thinking like, you know, we'll get like, I don't know,
Speaker 3: five hundred and six hundred sign up, uh Mandy the
Speaker 3: eight am and like so like I have a Facebook
Speaker 3: group where the Live Ritual Challenge people kind of like
Speaker 3: hang out and we help each other daily. And at
Speaker 3: eight am, so they're there, I'm seeing them, like right
Speaker 3: in the group at eight am. Yo, I'm up, I
Speaker 3: said the alarm y'all ain't getting my spot. I'm like,
Speaker 3: it's two thousand spot.
Speaker 1: They're not gonna go right at smart marketing.
Speaker 2: But honestly, it wasn't even that.
Speaker 3: That's so that if anybody knows me, they know that
Speaker 3: I tumble into everything that wasn't even marketing. I really
Speaker 3: was like, I just like, it's like I couldn't sleep.
Speaker 3: I was like Tiffany twenty four ninety nine. It's too
Speaker 3: much the average DreamCatcher. That's the that's the name that
Speaker 3: we give ourselves in the group. They can't afford that,
Speaker 3: you know, And so I just it just didn't sit
Speaker 3: well with me.
Speaker 2: And I'm like an overly emotional person.
Speaker 3: I'm a libra and if it doesn't sit well, it's
Speaker 3: like I can't I can't function if I don't feel
Speaker 3: like something's not right. And so literally it wasn't even
Speaker 3: a marketing point. It was just Tiffany dropped the dag
Speaker 3: on price already, you know you don't feel right, and
Speaker 3: so I did, and so as a result it ended
Speaker 3: up being good marketing. I was like, whoa eight oh one, Mandy,
Speaker 3: I try to log onto the site and I'm like,
Speaker 3: oh my god, I think I messed up, Like the
Speaker 3: site wouldn't like load. It's because they damn near broke it.
Speaker 3: At eight oh one, one hundred and thirty people signed out.
Speaker 3: Aight oh two two hundred maybe by eight thirty a
Speaker 3: little over three, and by nine o'clock a thousand people
Speaker 3: had signed up.
Speaker 2: I was like, are you freaking kide?
Speaker 3: And by like right, by a little over twenty four hours,
Speaker 3: So like by day two, before the end of day two,
Speaker 3: we had already sold out of the two thousand spots,
Speaker 3: and then people started emailing me like, Tiffany, I just
Speaker 3: made up an arbitrary number two thousand because I just
Speaker 3: figured we're not getting two thousand. I'll just say that
Speaker 3: and people were emailing me like, oh please, I can't
Speaker 3: afford the twenty four ninety nine, can you like lower it?
Speaker 3: So I said, you know what, I'm just going to
Speaker 3: keep it at nine ninety nine for registration just period.
Speaker 3: It's from Wednesday to Wednesday. So registration closes Wednesday, the
Speaker 3: sixteenth of March, and then I don't know when I'm
Speaker 3: going to open back up registration. I just want to
Speaker 3: really take care of the students we have.
Speaker 2: But yeah, so I.
Speaker 3: Don't even know how many people were gonna get But
Speaker 3: and I've been nervous about the feedback, but honestly, the
Speaker 3: feedback has been amazing. People have been like writing me
Speaker 3: telling me how much they're enjoying the classes, how much
Speaker 3: they really like the instructors.
Speaker 2: It's just freaking crazy.
Speaker 3: So I'm just really excited about this next level because
Speaker 3: what this means is that those people who have been
Speaker 3: writing with me and who have learned how to do
Speaker 3: the basic financial stuff that I've taught them, now I
Speaker 3: can I can show them, not me technically personally, but
Speaker 3: I can. I have the ability now to help push
Speaker 3: them to the next level. And I can do so
Speaker 3: where it doesn't hurt them financially, like I'm not a
Speaker 3: financial burden. That's always like my biggest thing, Like I
Speaker 3: don't want to take from anyone.
Speaker 2: I want to make sure that you're good. That's the
Speaker 2: purpose of my business.
Speaker 3: And so if you're interested, you certainly can join us
Speaker 3: at the Liverature Academy at live richeracademy dot com. We're
Speaker 3: totally rocking out. There's three main components. We have an
Speaker 3: off Facebook private form where we all hang out.
Speaker 2: We have the.
Speaker 3: Pre taped and pre recorded courses, and then once or
Speaker 3: twice a month, we're gonna have a live course. This
Speaker 3: is where I want you to come and Mandy, unless
Speaker 3: you want to write a full course is I'm gonna
Speaker 3: be interviewing my like financial friends from around the country
Speaker 3: and a live video like a chat, and you guys
Speaker 3: can ask them questions so you can be like, oh
Speaker 3: my god, you're having Mandy on. I totally want to
Speaker 3: know this, this, this, and this, and you can come
Speaker 3: on and pick her brain and yeah, it's just dope,
Speaker 3: because I know some people like live stuff, some people
Speaker 3: want to be able to work on their own, and
Speaker 3: some people need a community.
Speaker 2: So the teacher like, if you know me, I used
Speaker 2: to be a school teacher. The teacher and me want to.
Speaker 3: Provide three ways for you to learn, and yeah, the
Speaker 3: Live Richer Academy dot com.
Speaker 2: We're rocking out.
Speaker 1: Oh I'm on the site right now.
Speaker 3: Looks amazing, Isn't it so cute with a little like
Speaker 3: I tried to make it like, oh my god, you
Speaker 3: have no idea, Like ladies, Yes, I try to make
Speaker 3: sure that like you see, like I try to make
Speaker 3: sure to represent every color woman, like, Okay, I know
Speaker 3: it's not all brown women, but like I just wanted
Speaker 3: women to come and feel good.
Speaker 2: About it, like, oh this is me.
Speaker 3: She's talking to me and I'm learning and it's fun
Speaker 3: and my sisters are here, and yeah, I just really
Speaker 3: feel really proud of it because I really think like,
Speaker 3: like this is going to really help.
Speaker 2: Not just like me.
Speaker 3: I'm taking the dagone investment courses and then women are
Speaker 3: already like I love Mary. We have two investment teachers,
Speaker 3: Mary who's like this older white lady from Colorado, and
Speaker 3: then we have Maybell, who's this young Dominican girl from
Speaker 3: from Brooklyn. So I'm really trying to get all types
Speaker 3: of like dope women and some men too, hopefully from
Speaker 3: around the country to just teach you what they know best.
Speaker 3: And Mary is actually an instructure at the University of
Speaker 3: Colorado for investing, and Maybell has her NBA and finance
Speaker 3: and it's a financial analyst by trade. So I'm not
Speaker 3: just choosing like random folks. Like everyone is either certified
Speaker 3: working in this field. Thus it's for a living. So yeah,
Speaker 3: everybody's really amazing. So Mandy, you have to tell me,
Speaker 3: like what you want to come on and teach.
Speaker 1: Oh, I'm so happy for you. This looks really cool.
Speaker 1: Thanks Live Ritro Academy dot com.
Speaker 3: What about you like besides so let me tell you
Speaker 3: Mandy has this picture of her in this yellow dress
Speaker 3: in dr which I'm like, oh my god, I have
Speaker 3: to ask Mandy where she got that drugs.
Speaker 1: You can I got it at Lulu dot com. Lulu wait,
Speaker 1: Lulu or LULUs with an s. It's l oh yeah,
Speaker 1: l u l u s dot com. Super cute. They
Speaker 1: have really cute dresses. I'm just I was trying to
Speaker 1: find like a place I could shop for clothes that
Speaker 1: wasn't like my typical Gap or H and M or
Speaker 1: for I'm just like sick of those stores. You know, yeah,
Speaker 1: and I wanted some I wanted a nice dress because
Speaker 1: we were doing we were doing some engagement photos, so.
Speaker 2: It's so cute.
Speaker 3: I was like, oh my god that first of all,
Speaker 3: the shape is like everything on you. I'm like, oh
Speaker 3: my god, Mandy looks man. And then you're like all brown.
Speaker 2: Like I know, you guys are not necessarily friends with
Speaker 2: Mandy on Facebook. You're lost.
Speaker 1: No, I'm just Instagram.
Speaker 3: Yeah, oh Mandy, when you what's your name on Instagram?
Speaker 3: Because honestly, Mandy looks like everything in that dress. I'm like,
Speaker 3: I love that dress.
Speaker 1: Uh Instagram Mandy with an eye money, Mandy money. Yeah.
Speaker 1: It was thank you, thank you, think well, thank you
Speaker 1: very much.
Speaker 2: Yeah.
Speaker 1: I ordered a bunch of beach clothing that I will
Speaker 1: never I have like to wait five months to wear
Speaker 1: because it's not going to be summer here until like August. No,
Speaker 1: it was really nice. Sometimes it's fun to treat yourself. Yeah,
Speaker 1: take a little bit of that tax return money. Speaking
Speaker 1: of which, I had an amazing experience with my CPA
Speaker 1: from Yelp. I must say, oh, yes, do cow he
Speaker 1: his name is Paul. He's super cool. He's just a
Speaker 1: chill dude. I mean, he runs a local business out
Speaker 1: of my neighborhood. He owns a house like two blocks
Speaker 1: from where he lives works, and I mean I just
Speaker 1: sat down with him and it took about half an hour,
Speaker 1: and he you know, I'm not. I had. I had
Speaker 1: a pretty sizeable tax refund this year, and I was like,
Speaker 1: wait a second, why is it so much? And I
Speaker 1: was like, look, can you look at last year's tax
Speaker 1: return makes last year I ended up owing some money.
Speaker 1: And he looked up my tax term from last year.
Speaker 1: He's like, oh, yeah, you messed up and I was like, yeah,
Speaker 1: I thought I might have because this is my first
Speaker 1: year ever having stock from company stock and I reported
Speaker 1: it incorrectly to make it look like I had earned
Speaker 1: all this extra money that I hadn't actually, So he
Speaker 1: fixed that for me and he's like, oh, here's two
Speaker 1: thousand more dollars in your refund. And I was like, great,
Speaker 1: you're awesome. I will be using every year forever.
Speaker 2: That is awesome. I know you were like, wait a minute,
Speaker 2: let me get some Lulu dresses. Well.
Speaker 1: I hesitate to say that because I don't love the
Speaker 1: idea of treating a tax refund as like, oh, I'm
Speaker 1: gonna go like for my vacation for dr Like I
Speaker 1: already had that money in savings. I don't like to
Speaker 1: rely on the tax refund. Also, it's not like it's
Speaker 1: not always the best sign if you get a huge
Speaker 1: tax refund, because then yeah, you're maybe like not you're
Speaker 1: you're paying too little in taxes or sorry, not paying
Speaker 1: enough in taxes. Wait what am I trying to say?
Speaker 2: No, you have paid tax renxemptions.
Speaker 1: Wrong, Yeah, you're paying too much throughout the year. Yeah,
Speaker 1: so you could maybe look at your adjustments or your
Speaker 1: your exemptions and and talk it over with someone. But
Speaker 1: other than that, I was happy, and I referred my friends.
Speaker 1: I think he gave me a little discount for referring
Speaker 1: my friends to him. They're like newly married and they
Speaker 1: live in the neighborhood too, So go ahead, yelp, you
Speaker 1: haven't failed me yet.
Speaker 2: Family.
Speaker 1: Nah, but again, I totally feel like you should get
Speaker 1: a personal referral. YELP. Was just because none of my
Speaker 1: friends actually have tax agents, you know.
Speaker 3: And that's always that, you know. I guess I always
Speaker 3: thought that was so weird to me. People are like, oh,
Speaker 3: I don't have an accountant because you know, I guess
Speaker 3: because I grew up my dad was an accountant, so
Speaker 3: I've always had like, literally, i've had an accountant in
Speaker 3: my whole life. And then when he was sick and
Speaker 3: tired of doing my taxes for me, well one he
Speaker 3: taught me how to use turbo tax and then he
Speaker 3: would overview it like he would go over it. And
Speaker 3: then I just didn't think to not have one. So
Speaker 3: then a friend of mine was telling me about her accountant,
Speaker 3: and I was like, okay, well you'll be my when
Speaker 3: I was in my twenties, you'll be my accountant. But
Speaker 3: I just thought of an accountant like a doctor because
Speaker 3: my dad was one. But I think back on it now,
Speaker 3: I guess a lot of people don't have accountants.
Speaker 2: They just go to like H and R. Block and stuff,
Speaker 2: and yeah.
Speaker 1: I always hear like, oh yeah, well my uncle or
Speaker 1: my mom. I always like a lot of my friends
Speaker 1: use their parents accountants. They send their stuff to their parents.
Speaker 1: I'm like, I didn't come from a family where that
Speaker 1: was thing, like it was an miracle if someone did
Speaker 1: their taxes on turbo tax. So yeah, for anyone who
Speaker 1: started learning from scratch, I understand that, like it's a
Speaker 1: it's a it's a it's a scary thing because you
Speaker 1: don't know really who to trust. Yeah, but I'm glad
Speaker 1: that's all behind me. Things are okay in Mandyland.
Speaker 2: Look, everybody's doing.
Speaker 1: Good enough about us. Let's talk about someone who's like
Speaker 1: struggling with life right now, because I think it's so hilarious.
Speaker 1: Uh have you heard?
Speaker 2: No, what is going on with Viddy?
Speaker 1: So he's bankrupt, he's he found that? Oh yeah, oh yeah,
Speaker 1: he's been bankrupt. When did he fillow bankruptcy? It's been
Speaker 1: a minute he's had he's had money issues for a while.
Speaker 3: Like real money issues or pretend like you know, fifty
Speaker 3: cent money issues.
Speaker 1: Yes, No, like real like he's broke. Somehow he's broke.
Speaker 1: Somehow He's still a millionaire, but he's broke. He's foiled bankruptcy.
Speaker 1: I think wait, I think he followed bankruptcy back in
Speaker 1: two thousand and seven. Anyway, he's back in bankruptcy court.
Speaker 1: But here's the decision, here's the situation right now. Recently
Speaker 1: he was on his Instagram account and there was photos
Speaker 1: of him posing with not just like stacks of money,
Speaker 1: like stacks of money laid out in the shape of
Speaker 1: words like I think it was money laid out in
Speaker 1: the form of like the word cash or something crazy
Speaker 1: like just so you know, like extra ignorance. Oh no, no, no,
Speaker 1: it's even worse than what I remembered. It's stacks of
Speaker 1: bills spelled out, stacked up to spell out the word broke.
Speaker 3: Like hall you want to be cute? You forgot that
Speaker 3: the government has Instagram too, booboo.
Speaker 1: Oh yeah, real cute. Not just that. On Valentine's Day
Speaker 1: there's a picture of a box of chocolates, but instead
Speaker 1: of chocolates, it's dollar bills wadded up. Here's the thing though,
Speaker 1: So he's in bankruptcy court right now, and a judge
Speaker 1: is interested in these photos. So you're trying the bankrupt
Speaker 1: and yet you have all these money, Like all these
Speaker 1: photos of you surrounded.
Speaker 2: By what's of cash? Got them?
Speaker 1: The Connecticut judge in Connecticut said she was concerned about
Speaker 1: the allegations of lack of transparency in the case, and
Speaker 1: she ordered the rapper to explain the pictures. He explained
Speaker 1: it by saying, what I think is the best. It's
Speaker 1: like my favorite sentence ever because it's so honest, and
Speaker 1: I wish everybody who's ever thought the grass was greener
Speaker 1: or thought that the Kardashians next door were living the
Speaker 1: life that you should be leading. Sometimes it's just a lie,
Speaker 1: he says. This is his quote. He said, just because
Speaker 1: I'm photographed in or next to a certain vehicle, wearing
Speaker 1: an article of clothing, holding a product, sitting next to
Speaker 1: what appears to be large sums of money, or modeling
Speaker 1: expensive pieces of jewelry does not mean that I own
Speaker 1: everything in those photos. M like, I wish this. Are
Speaker 1: you still there?
Speaker 2: I am? Can you hear me?
Speaker 3: Oh?
Speaker 2: Hello?
Speaker 1: Oh? Oh I might? Oh what just happened? I think
Speaker 1: I hit the mute? But did you hear anything?
Speaker 3: I was saying, yeah, I heard everything I wor dang
Speaker 3: yeah or nothing.
Speaker 1: I was like, this is awkwardness. You do not think
Speaker 1: that's as exciting as I do.
Speaker 2: No, I was like, oh my god, why I was
Speaker 2: gasping and everything.
Speaker 1: I'll just pretend that I heard you and just keep going.
Speaker 1: It's quote. I love that quote because I feel like,
Speaker 1: I mean, I just in This is for me. I
Speaker 1: grew up like for a couple of years in high school.
Speaker 1: I went to like a super ritzy high school and
Speaker 1: a super night fancy neighborhood, and it was I was
Speaker 1: my mom had just gotten divorced, and I was really broke,
Speaker 1: and we were actually getting like driven to this school.
Speaker 1: We weren't we didn't live in the district before. It
Speaker 1: was before you like got kicked out not living in
Speaker 1: the district or whatever. And I used to really feel
Speaker 1: it like everyone around me was super rich, and it's
Speaker 1: not always the case, Like I know a lot of
Speaker 1: people whose families whose family has lost their houses during
Speaker 1: the recession, and like all those fancy cars and all
Speaker 1: the houses and stuff, like you never know what's actually happening,
Speaker 1: happening to someone's actual bank account, yes, and fifty cent
Speaker 1: just just epitomizes. And all these rappers, like I feel like,
Speaker 1: not just them, but like Florid Mayweather, like all they
Speaker 1: do is just take pictures of cash. And here's me
Speaker 1: sitting in this car and that wearing that chain, and
Speaker 1: I think it just sends the wrong message to people.
Speaker 3: It does, but it's hard because especially for in the
Speaker 3: music industry, for rappers, that's like part of the game.
Speaker 3: And honestly, so my cousin when I was like, well
Speaker 3: he's no longer like working, I don't know what he does.
Speaker 3: But anyway, he was like one of the youngest music
Speaker 3: executives in the nation. He's like twenty six and like
Speaker 3: senior A and R for like Universal Records and stuff
Speaker 3: like that. So I remember I had him come to
Speaker 3: Newark because he's from West Orange and he was home,
Speaker 3: so I had him come to Newark to talk to
Speaker 3: the kid that the United Way, you know, at the
Speaker 3: Boys and Girls Club because they wanted him to share.
Speaker 2: Like, for example, my cousin.
Speaker 3: He's the one that signed Katy Perry, for example, and
Speaker 3: he's the one like Rihanna's first song like upon the replay,
Speaker 3: he's the one that signed the guy that wrote that song.
Speaker 2: So he was like really well versed in the music industry, and.
Speaker 3: He was telling the kids, you know, none of those
Speaker 3: artists you know, really had any money like this is
Speaker 3: of course Rihanna.
Speaker 2: Since then it's done, doing obviously much better.
Speaker 3: But he was explaining that an artist doesn't make money.
Speaker 2: For a long time.
Speaker 3: That like for example of Rihanna, she comes out, the
Speaker 3: label gives her money to produce her album, it's basically
Speaker 3: it's alone. So the first few years if she's not selling,
Speaker 3: you know, not only.
Speaker 2: Does she owe, but she's broke too.
Speaker 3: And so she might be in like a car or whatever,
Speaker 3: you know, but it's not hers. And he was like,
Speaker 3: it's so funny because a lot of times artists will
Speaker 3: be on tour and the saxophone player, the DJ, the
Speaker 3: you know, the guitar player, they actually are making more
Speaker 3: money on that tour than the artist is because they
Speaker 3: have a salary that's guaranteed and the artist is not.
Speaker 3: And when he said it just hit me like, wow,
Speaker 3: the saxophone player might be making one hundred thousand dollars
Speaker 3: a year and the artist on stage that you love
Speaker 3: so much has nothing negative, you know, fifty thousand dollars
Speaker 3: or something. And I'm just like wow, he said. So
Speaker 3: he was telling the kids, you know, everybody wants to
Speaker 3: be in the front, he said, but typically it's the
Speaker 3: people in the back that make the most amount of money.
Speaker 3: That you know that that you shouldn't necessarily aspire to,
Speaker 3: he said, you first were one.
Speaker 2: You should just never aspire to fame.
Speaker 3: You know, you should aspire to whatever your purpose and
Speaker 3: your passion is, and you know, figure out a way
Speaker 3: that you can be fairly compensated for it.
Speaker 2: But I just thought that was so interesting.
Speaker 3: And he was actually lifting rappers and I won't say who,
Speaker 3: but at the time he was listing the ones that
Speaker 3: he knew for sure were broke, and they were like what,
Speaker 3: and they're like.
Speaker 1: Yeah, I always hear about rappers going broke, Like jaw Rule,
Speaker 1: wasn't he broke?
Speaker 2: Oh?
Speaker 1: What tea Pain? Didn't he something happened with tea Pain?
Speaker 1: Or he just went to jail. I forget. I just
Speaker 1: feel like, and it happens with with the athletes too.
Speaker 2: For sure.
Speaker 1: Get a bunch of money, you don't know what to
Speaker 1: do with it. I saw something like I think it
Speaker 1: was earlier this week. You know, Waka Flaka, is he
Speaker 1: the vegan rapper?
Speaker 2: Isn't even yes, yes he is.
Speaker 1: He's got like hilarious vegan he does video where he
Speaker 1: cooks vegan food. But one other thing he was telling
Speaker 1: I think he was like a radio show. He was
Speaker 1: talking about how when he visited Africa for the first time,
Speaker 1: he when he saw just the devastation and the poverty there,
Speaker 1: he decided it like it made him feel a much
Speaker 1: different way about all the materialistic aspects of celebrity, like
Speaker 1: the gold chain and the cars and the you know,
Speaker 1: all that lifestyle, and so he stopped wearing all that,
Speaker 1: like he says anyway, he stopped wearing the chains and
Speaker 1: he stopped, you know, trying to put forth that image
Speaker 1: of materialism, and I thought that was nice.
Speaker 3: Yeah, you know, Waka Flocka really surprises me, honestly because
Speaker 3: the fact that he went vegan. Did you see that
Speaker 3: like YouTube video or whatever video with his friend where
Speaker 3: he was making like vegan vegan muffins.
Speaker 1: Yeah, yeah, yeah.
Speaker 3: I was like, because you know, I just always just
Speaker 3: kind of wrote him off as like I don't know,
Speaker 3: like you know, one of those rappers, like ignorant rappers.
Speaker 3: But I was like, look at Wappa Poker. He got
Speaker 3: a little bit of a heart there.
Speaker 1: I feel like veganism is a hip hop thing now,
Speaker 1: Like doesn't DJ College talk about I don't know, he's
Speaker 1: kind of doesn't col talk like.
Speaker 2: Healthy, yes, somebody.
Speaker 3: I think. It was like it's him and Kevin Hart
Speaker 3: are friends, and he was like DJ Calla is the
Speaker 3: only person I know always working out and stay fat.
Speaker 1: I was just thinking, as I would say, but he's
Speaker 1: kind of chunky though. Jay Z and Beyonce one vegan,
Speaker 1: I need more power to you veganism is also expensive.
Speaker 1: They probably have chefs cooking for them. Yeah, did you
Speaker 1: see did you see Malia and Sasha at oh White
Speaker 1: House state dinner?
Speaker 3: First of all, I love both their dresses, and it
Speaker 3: really seems to reflect their personality, Like you know, Malia
Speaker 3: is like the classic kind of like quiet beauty, and
Speaker 3: Sasha is like all that sad and I love their dresses.
Speaker 3: They just look so pretty and so age appropriate and
Speaker 3: just like, I just love it. It seems like they
Speaker 3: were able to be like I just I can be myself,
Speaker 3: but of course I'm appropriate for the dinner, but they
Speaker 3: looked beautiful.
Speaker 1: I'm gonna miss them. I just I feel like we're
Speaker 1: only just starting to see them blossom as young women,
Speaker 1: and we're not gonna, like, unless they, you know, decide
Speaker 1: they live a life in the public eye, We're not
Speaker 1: gonna see them anymore.
Speaker 3: I know, And they've just grown into like it's just
Speaker 3: I was really especially like to me, Malia has looked
Speaker 3: the same it was to me. I'm just looking at
Speaker 3: Sasha like, wow, she's just really growing up because she's
Speaker 3: fourteen now, and when they were in a White House.
Speaker 2: Like how old was she?
Speaker 1: Like seven?
Speaker 2: Oh?
Speaker 3: My gosh, and I'm just like, they're just both so beautiful.
Speaker 3: Like I could see so much of Michelle and Malia
Speaker 3: and you know, and like so much of President Obama
Speaker 3: and Sasha and just yeah, they're just coming into their
Speaker 3: own and they just look so cute.
Speaker 1: I just feel like when you think about class in politics,
Speaker 1: class and presidencies, you're gonna think about the Obamas like
Speaker 1: they have exuded nothing but class. When when have they
Speaker 1: ever stepped the toe out of the classy the classy section,
Speaker 1: you know. And this is against the backdrop of whatever's
Speaker 1: happening right now in the political race. Like, I think
Speaker 1: we're all gonna appreciate them so much more after, you know,
Speaker 1: after twenty sixteen is over.
Speaker 2: Yeah, I think so too.
Speaker 3: I Mean, I'm honestly not looking forward to the upcoming
Speaker 3: presidential election.
Speaker 1: We'll see what happens. I was happy to see. So
Speaker 1: Trump had like a rally in Chicago on Friday.
Speaker 2: Yeah, they weren't having it.
Speaker 1: They weren't well, you know, on the one hand, and
Speaker 1: it sat on the other hand, it's like finally, but
Speaker 1: apparently protesters and Trump supporters clashed at this big event,
Speaker 1: thousands of supporters and they decided it was too unsafe
Speaker 1: to continue. This was kind of a boiling overpoint because
Speaker 1: during the week there were all these and not just
Speaker 1: during the week, but the past couple of months there's
Speaker 1: been these clips of protesters, peaceful protesters at Trump rallies
Speaker 1: being physically assaulted by Trump supporters. And I had just
Speaker 1: seen someone posted a clip of this, like older maybe
Speaker 1: I think it was a seventy or eighty year old
Speaker 1: white guy who just, for no reason, a black Trump protester,
Speaker 1: a black man was walking getting escorted out of this
Speaker 1: arena by cops or by somebody security or whatever. This
Speaker 1: guy just reaches out and just like clocks him in
Speaker 1: the face for no reason.
Speaker 2: Aw.
Speaker 1: And then he's interviewed on Inside Edition. Don't see why
Speaker 1: they were interviewing him, like this entertainment website, but he
Speaker 1: was saying like, yeah, next time he comes back, maybe
Speaker 1: we got to kill him.
Speaker 2: Wow.
Speaker 3: This this, this is the type of sentiment that is
Speaker 3: making these type of people are what are pushing Donald
Speaker 3: Trump to the forefront. You know, it's just honestly, it's
Speaker 3: really scary. Like at first I thought, oh, it's funny,
Speaker 3: like this whole Trump thing, but then it's become really
Speaker 3: scary because people have found an outlet for their their hate,
Speaker 3: their just egregious hate, and they found an outlet for
Speaker 3: their ignorance. And you know, Trump thinks like it's nothing,
Speaker 3: But I'm like, make America great. Honestly, you're making America
Speaker 3: a scary place.
Speaker 1: It's sad, it's tapping into all the gross, ye hateful, disgusting.
Speaker 1: It makes me feel it just makes me feel sad
Speaker 1: and tired, very sad, very tired.
Speaker 3: Right, they've made it like Trump has made it very
Speaker 3: cool to be a hateful person out loud and in public.
Speaker 1: And the but I don't get is like he's not
Speaker 1: for these people, like the people who poor Trump are poor, uneducated,
Speaker 1: He's not for them.
Speaker 2: He's no, I don't get.
Speaker 3: I'm like, you don't get it, Like you might as
Speaker 3: well be black or Mexican or Muslims at him.
Speaker 2: He don't even care about you.
Speaker 1: You have nothing to offer him. He does not care
Speaker 1: about lowering your texes. He's a Republican, like all he
Speaker 1: wants to do is make things easier for the rich.
Speaker 1: And I only see republican. But he's a billionaire yeah
Speaker 1: point oh one percenter, Like I you know, that not that,
Speaker 1: not that I'm trying to say, like who people should
Speaker 1: vote for, but I'm just saying, look at the read
Speaker 1: read just open it, open a website, go to go
Speaker 1: to the fact checking sites dot com or whatever it is.
Speaker 1: I forget what it's called PolitiFact dot com. I think
Speaker 1: where they actually fact check with all the candidates say,
Speaker 1: and like, over three quarters of the things that come
Speaker 1: out of his mouth are not true. And I don't
Speaker 1: understand how people are are you know whatever, hitching your
Speaker 1: card to his horse or however it goes, however the
Speaker 1: saying goes. It's depressing to me. But in uh, in
Speaker 1: non suppressing news, maybe this is also depressed. I'm not sure.
Speaker 1: Did you see the new trailer for Ghostbusters? I have not,
Speaker 1: so you know this, So there's it's it's first of all,
Speaker 1: it's controversial because they're doing an all female cast for
Speaker 1: the reboot. It's gonna be it's gonna like an SNL cast.
Speaker 1: You got Kristen wigg and you have kat Kate McKinnon,
Speaker 1: who's hilarious. And then oh, shoot, shoot shoot, Melissa McCarthy
Speaker 1: as the ghost posters. She's hilarious, she's so funny. They're
Speaker 1: all funny. But then they added Leslie Jones, who was
Speaker 1: is one of two black women on SNL right now,
Speaker 1: like really funny comedian as a character on Ghostbusters. But
Speaker 1: they didn't really tell us what her character was going
Speaker 1: to be until the trailer came out. Okay, and you
Speaker 1: have the three Ghostbusters who are scientists, and then Leslie
Speaker 1: Jones is an MTA worker works for the subway system
Speaker 1: for New York and people were taking issue with that, saying,
Speaker 1: why can't you make the only black women in this
Speaker 1: cast also a scientist? And while on the one hand,
Speaker 1: I can see the argument, on the other hand, I'm like,
Speaker 1: first of all, I'm I'm so annoyed that we have
Speaker 1: to we have to first of all, this is movie
Speaker 1: is not going to win an Oscar. It's Ghostbusters two
Speaker 1: or three or four or whatever. It is, Like, this
Speaker 1: is not the height of filmmaking in America. And I
Speaker 1: hate that we have to put pressure on this stupid
Speaker 1: comedy to offer a role for a woman of color
Speaker 1: that is, you know, of the statue that we think
Speaker 1: women of color deserve because they're not getting it anywhere else.
Speaker 1: So I don't I feel like all the like the
Speaker 1: people that are saying that, you know, this filmmaker is
Speaker 1: just sort of like pigeonholing her into a stereotype, like
Speaker 1: a working class black woman. On the other hand, I
Speaker 1: feel like, why are we putting like it shouldn't be
Speaker 1: this way that like this dumb comedy has to be.
Speaker 3: I know what you mean, because you just want, like,
Speaker 3: you know, like why not go for like I mean,
Speaker 3: it's almost like if you were like saying, like, you know,
Speaker 3: like a movie like a you know, Snakes on a Plane,
Speaker 3: You're like, well, what about You're like, honestly, it's snakes
Speaker 3: on the plane, Like this is not I mean, I
Speaker 3: get it, but let's save our energy for like things
Speaker 3: that you know, just mean a little bit more or
Speaker 3: have maybe more meaningful content. But I get what you're saying,
Speaker 3: but I have to say at the same time, I
Speaker 3: guess I don't know. That's probably my my brown break
Speaker 3: when we get into it. You know, you just inspired
Speaker 3: me for that, so I'll save it for then.
Speaker 2: But yeah, well, what you.
Speaker 1: Can do is you can take your money and spend
Speaker 1: it on that new movie we talked about last week,
Speaker 1: wasn't it last week or a couple of episodes ago.
Speaker 1: Taraji P. Henson starring in the movie about the one
Speaker 1: of the I think one or two black female NASA
Speaker 1: scientists who were behind the first was it the Moonwalk
Speaker 1: or some launch anyway, NASA scientists. So there you go,
Speaker 1: black female scientists. Yeah, it's happening, and that probably will
Speaker 1: be a good movie. Nothing, you know, nothing against Ghostbusters,
Speaker 1: but I'm just saying it's Ghostbusters. Let's have low expectations.
Speaker 2: Who are you gonna call? No? Has it it goes?
Speaker 3: Then?
Speaker 2: Is that Ghostbusters?
Speaker 1: Yeah?
Speaker 2: I think so? Oh I afread? Yeah, yeah, yeah. I
Speaker 2: used to watch the cartoon as a kid with Slimer.
Speaker 2: Is that his name? Is that the green one?
Speaker 3: Slimer?
Speaker 2: They like befriended a ghost and like made him a pet.
Speaker 1: I have no idea.
Speaker 2: Somebody knows. Maybe it's too young.
Speaker 3: So anybody in your thirties, So remember Ghostbusters the movie.
Speaker 3: I used to watch it, like I think, after school
Speaker 3: and they had Slimer.
Speaker 2: I believe he was like their ghost pet.
Speaker 3: And it was one of my favorite cartoons as a kid.
Speaker 1: I remember, I remember Ghostbusters. But anyway, not to like Encyclopedia.
Speaker 2: Levels you see that dig.
Speaker 1: I think it sounded diggier than I meant it to sound.
Speaker 3: It's okay, you know what I mean, any other buzzes
Speaker 3: that's it.
Speaker 1: No, I think that's it.
Speaker 2: Okay, So it's time for brag and break.
Speaker 1: What is your break?
Speaker 3: Honestly, I didn't we have a brown break until like
Speaker 3: we were talking about that, and I'm like, oh my gosh.
Speaker 3: I mean, I know I'm probably gonna get a lot
Speaker 3: of whatever for this, but I don't care.
Speaker 2: I'm tired.
Speaker 3: I'm tired of and I understand that. I'm not saying
Speaker 3: that we shouldn't talk about race and race relations. I'm
Speaker 3: just I guess I'm just exhausted by it because it
Speaker 3: seems like things are really just getting worse. So I
Speaker 3: just need a brown break from it. Not a brown
Speaker 3: break as in that I don't want people to discuss
Speaker 3: the issues and I don't want you know, that's not it.
Speaker 3: I'm just weary. I guess what I'm saying, it's like
Speaker 3: I need a break from this having to be discussed.
Speaker 3: I guess is probably the best way to say it.
Speaker 3: That it's just so sad. I'm just like, sheesh, every
Speaker 3: time we turn around, it's something and I'm just honestly,
Speaker 3: it's depressing and I know that it's real, and I
Speaker 3: know that it's out there, but it's crazy to like
Speaker 3: talk to my dad, who's in his seventies and to
Speaker 3: hear some of the things that they were struggling with,
Speaker 3: you know, back when he was a young man, and
Speaker 3: I'm like, really, because that's exactly what happened to me yesterday.
Speaker 2: I'm like, shesh, So I just need.
Speaker 3: A brown break from like, I don't even know the
Speaker 3: word for it. What is it? Remember that YouTube video
Speaker 3: the woman she's like she had post dramatics.
Speaker 1: It was it was Aquila. Obviously, I was just thinking
Speaker 1: about that it was racial. It was racial something fatigue syndrome. Yes,
Speaker 1: you feel tired having to talk to people about all
Speaker 1: this racism and then explain to people why things are
Speaker 1: racist answering questions, Yeah, no, I understand.
Speaker 2: Yeah, And that's that's how I feel. I feel fatigued
Speaker 2: from it.
Speaker 3: Like not because I don't I don't want people to
Speaker 3: stop obviously discussing the issues and working towards something better,
Speaker 3: but I guess, honestly, I feel sometimes it feels a
Speaker 3: little hopeless because I'm like, well, dang, we're still here.
Speaker 3: It's the same stuff that's still happening.
Speaker 2: What can be done? Like, you know, what can we do?
Speaker 1: And I think the antidote is to focus on positives.
Speaker 1: You know, Yeah, for every negative story, we'll do a win,
Speaker 1: you know what I mean, Like gotta think about the
Speaker 1: positive or highlighting the beauty and the accomplishments of Black America.
Speaker 1: And you know what.
Speaker 3: I mean, I agree, And I think that's why I
Speaker 3: need a brown break because I feel like that's what's
Speaker 3: kind of thing from the narrative is that you're getting
Speaker 3: so much like for all the women who are for
Speaker 3: all the people who are saying, you know, like the
Speaker 3: black women in a Ghostbuster should be a scientist. I
Speaker 3: wish it was like equally as many people talking about
Speaker 3: those things that aren't happening, you know, not to say
Speaker 3: like they they you know, they can't sell each other out,
Speaker 3: but at least it presents a balance perspective, so that
Speaker 3: way you can maintain hope, because.
Speaker 2: There are some things that are getting better.
Speaker 3: But if you were to look at like my timeline
Speaker 3: after something bad happened, what you would think The world
Speaker 3: is a dark and ugly place and I'm trying to
Speaker 3: clean it up some But I understand people have to
Speaker 3: vent and share, but sometimes I'm like, oh my gosh,
Speaker 3: I can't write now. I'm off social media, like I just,
Speaker 3: you know, I need some positivity, you.
Speaker 1: Know, challenge accepted. We have the Black Scientist NASA movie
Speaker 1: coming out, and then Ava du Verne has a show
Speaker 1: with the Oprah Network that I kind of want to watch.
Speaker 1: It's called Queen Sugar. It's like based on a It's
Speaker 1: based on a romance novel I think, or some novel
Speaker 1: Queen Sugar. It's it's a about a woman who inherits
Speaker 1: an old sugar plant or old sugar plantation or something
Speaker 1: in the South.
Speaker 3: Hmmm.
Speaker 1: It sounds like a It sounds like a cool project,
Speaker 1: it does, you know? I also low level stock a
Speaker 1: but do Verne on Instagram and she follows me on
Speaker 1: Twitter and I don't know why, but she does. And
Speaker 1: I'm just waiting for the day when she just like
Speaker 1: emails me and is like Mandy in this movie.
Speaker 3: Somebody's awesome and they like follow you on social media, like,
Speaker 3: oh my god, what did I say?
Speaker 2: What did I do?
Speaker 3: Okay, wait, you feel like you're like checking yourself in
Speaker 3: the mirror. You're like they can't see you.
Speaker 2: It's okay.
Speaker 1: I'm not even looking. It was probably just like a misclick.
Speaker 3: Now you're amazing. She probably was like, you know what
Speaker 3: I heard about this girl, Mandy. I heard she's a
Speaker 3: must follow, all.
Speaker 1: Right, whatever, Anyway, my brown break is, oh, my brown
Speaker 1: break is March Madness. This is I know. If you're
Speaker 1: a sports fan out there, I apologize. It's gonna be
Speaker 1: a quick one. I don't want to be in your
Speaker 1: office March Madness pool to like. And I've never we
Speaker 1: have this. We have a new guy who joined the
Speaker 1: team at Yahoo Finance, and he's really hilarious. His name
Speaker 1: is Dan. He is a ball of energy. He is
Speaker 1: constantly bouncing off the walls. He is super exhausting, but
Speaker 1: it's also kind of funny. But then it's also crazy.
Speaker 1: And he is like obsessed with getting everyone as March
Speaker 1: Madness team. And I had to stand up for myself
Speaker 1: and say no, I will not I will be keeping
Speaker 1: my ten dollars. I'm bad at this. I don't even
Speaker 1: want to pretend that I like sports enough to do
Speaker 1: the office pool thing, you know what I mean. And
Speaker 1: I feel like I used to just put in ten
Speaker 1: twenty bucks just to be a part of the team.
Speaker 1: But like my Forest Office socialization brown break from a
Speaker 1: few weeks past. I don't feel like you should have
Speaker 1: to peer pressure everybody into being in your sports madness
Speaker 1: whatever it is pool. So I'm giving everyone the opportunity,
Speaker 1: Like I'm just letting you know it's okay to say no.
Speaker 1: You do not have to march madness.
Speaker 3: Say no to march madness. So tipsy, any great questions
Speaker 3: in the inbox?
Speaker 1: We do have a good question in the inbox from
Speaker 1: someone who would like to remain anonymous.
Speaker 2: I believe we'll call you nanny. Okay, nanny, what's up?
Speaker 1: So she's this is a I don't know if she
Speaker 1: wants to be anonymous. I think she does. Anyway, I'm
Speaker 1: not going to call her out. So she says she's
Speaker 1: reading right now The Automatic Millionaire Book by David David
Speaker 1: boch Fait.
Speaker 2: I love that book. Okay, he's a.
Speaker 1: Great he's awesome, David Block can't go wrong. So she
Speaker 1: really wants to seriously automate her bills. Okay, she asks,
Speaker 1: how do you or do it all? Automate unpredictable bills?
Speaker 1: For example, my Comcast and electric bills fluctuate month to month.
Speaker 1: I have a finite amount of money available. If there's
Speaker 1: a fluke and one bill is more than expected, I
Speaker 1: don't want them to have access to that fluctuation. I
Speaker 1: feel like if I automate, I'll be monitoring my account
Speaker 1: more than I do already, which is about two times
Speaker 1: a day. She says, my bank account is cute. I
Speaker 1: love checking on her. That's like I like that too,
Speaker 1: so I okay, Yeah. The last question is just basically like,
Speaker 1: if you automate your bills, what services do you use?
Speaker 3: I just use my bank services, and what do you
Speaker 3: use your banks too? Write like your bank usually has
Speaker 3: like automatic bill pay.
Speaker 1: You know, I was thinking about this the only bill. Yeah,
Speaker 1: I well, usually I automate my services through the service website,
Speaker 1: like my cable bill, okay, and my like my newspaper subscription. Yes,
Speaker 1: I have one of those. They go straight from my
Speaker 1: certain account. But honestly, most of them are tied to
Speaker 1: a credit card, and I pay the credit card off
Speaker 1: in full each month, So I'm not worried about that
Speaker 1: checking account fluctuation. So if that, I mean, I guess
Speaker 1: that could sort of be a way to deal with
Speaker 1: that so I don't have to think about it, you know,
Speaker 1: is my is my paycheck going to hit on the
Speaker 1: fifth Okay, you know what I mean? So I just
Speaker 1: I hit. Everything's in a credit card and so when
Speaker 1: I have the money, I just pay it all off.
Speaker 1: But that doesn't work for everybody, because.
Speaker 2: Yeah, it doesn't.
Speaker 1: It takes discipline and that kind of thing.
Speaker 3: Yeah, so I'll tell you what I do, like honestly,
Speaker 3: and this, I mean, this takes some discipline too. But
Speaker 3: I so all my bills are automated, and even though
Speaker 3: I automate.
Speaker 2: From the.
Speaker 3: I automate mostly from my bank's end, meaning that like
Speaker 3: you know, my bank, from my bank's bill pay sends
Speaker 3: the money versus the company coming to get the money,
Speaker 3: just because honestly, I don't want them. Like before a
Speaker 3: company has taken too much and like overdrafted me. So
Speaker 3: as since then I was like, nah, na, na, I
Speaker 3: will send you the money. You just go sit down.
Speaker 3: So that's you know, if that's typically what I do.
Speaker 3: But then for those bills that kind of fluctuate, what
Speaker 3: I would honestly typically do is I would still like
Speaker 3: my cable bill, it does go up and down a
Speaker 3: little bit, but like for for the most part, I
Speaker 3: don't even know let's just say my cable bill is
Speaker 3: I don't know, let's just say one hundred and twenty dollars,
Speaker 3: and sometimes it's one hundred and twenty eight, sometimes less.
Speaker 3: I will usually send like the average, and then like
Speaker 3: the second bill will usually be like, oh, you know
Speaker 3: you're you're like you still three bucks, and I'll just
Speaker 3: send them three bucks when I see it, you know.
Speaker 3: I mean it might not work for every company, but
Speaker 3: for like the cable company, you know, you're not gonna
Speaker 3: be reported to collections for three bucks unless you just
Speaker 3: are not paying ever, you know, so I would just
Speaker 3: I typically just would send like the average. Like I
Speaker 3: know my cable bill is going to be around one
Speaker 3: twenty eight, so I just send one thirty every month.
Speaker 3: And that kind of handles to fluctuations or what you're
Speaker 3: gonna end up, you know, having to do. And this
Speaker 3: is what I did when I used to teach. I
Speaker 3: saved and saved and saved, and I started pre paying
Speaker 3: my bills to myself. I have a separate checking account
Speaker 3: for bills, so I hope you have one too, because
Speaker 3: to me, it helps tremendously to separate your bill money
Speaker 3: from your spending money, because your checking account for bills
Speaker 3: should not be attached to your debit card, So when
Speaker 3: you're swiping your debit card, it should not be taking
Speaker 3: from that account that's paying bills. Have two separate checking
Speaker 3: accounts for that. So that's one. And so what I
Speaker 3: started doing because same thing, some of my bills were fluctuating.
Speaker 3: I started pre paying and almost like having a little
Speaker 3: extra money.
Speaker 2: So like if my.
Speaker 3: Sister paying back to twenty bucks she owed me, I
Speaker 3: throw it in my bill's account, some birthday money, I
Speaker 3: throw a little bit in my bill's account. And then
Speaker 3: that way, those companies that kind of fluctuate, I always
Speaker 3: had like a like some buffer in there to kind
Speaker 3: of handle some of those things. So it takes a
Speaker 3: little while to get that buffer. Like you know, I
Speaker 3: would just collect kind of throughout the year, especially it's
Speaker 3: tax time, so I might put my if it's February,
Speaker 3: like right now it's March, so right now I would
Speaker 3: have already put my April bill money in my bill's account,
Speaker 3: so when April came, plus a little buffer. When April came,
Speaker 3: as people were taking their things, I knew I was good. So,
Speaker 3: like I said that, But in order to do that,
Speaker 3: you have to basically be saving and I don't know
Speaker 3: how much extra you have a month.
Speaker 1: But I guess what worries me about it is that
Speaker 1: she's experienced quite often the fact that she doesn't have
Speaker 1: enough to cover her bills. And for me, that's kind
Speaker 1: of a trigger of like, well, maybe it's time to
Speaker 1: look at your expenses and are they too high for
Speaker 1: what you're earning? Yeah, and what happens if you don't
Speaker 1: have the money in there? Is your bill just late?
Speaker 2: You know? Yeah?
Speaker 3: Or you just have to I think I'm just prioritize, honestly.
Speaker 3: There's times I tell people that. There are times someone
Speaker 3: told me once and it was like the smartest or
Speaker 3: the best piece of advice. When I had lost my
Speaker 3: job and I could not afford to pay for everything,
Speaker 3: and she told me, and it was so hard and scary.
Speaker 3: She said, sometimes something's not going to get paid. And
Speaker 3: I was like, don't you say that. It was like blasphemy,
Speaker 3: And she was like, sometimes something is not going to
Speaker 3: get paid on time. It's just going to happen. So
Speaker 3: you prioritize always what must get paid first. Food and
Speaker 3: shelter must get paid first. So I always paid my
Speaker 3: rent and I paid to make sure I had groceries,
Speaker 3: and then I would go down my priority list and
Speaker 3: those I didn't have any money for I would call
Speaker 3: and let them know and and try to work something out.
Speaker 3: But sometimes I just didn't have it and so and
Speaker 3: then when I did, I would I would pay it.
Speaker 3: It's not the end of the world. It's it's it's
Speaker 3: scary sometimes. But if that's your reality, then you should
Speaker 3: be looking at your bills to see, well, if I'm
Speaker 3: not always able to pay, cable is not a necessity,
Speaker 3: you might want to go in and either cut it
Speaker 3: all together or severely reduce it, and ask yourself, line
Speaker 3: item by line item of your budget, what can go
Speaker 3: if I don't always have enough money. You know, if
Speaker 3: you're in that place, you know you should like if
Speaker 3: you're telling them you have cable and you don't have
Speaker 3: enough of your bills you have, you have that that
Speaker 3: cable is some cushion there because you don't need cable
Speaker 3: in order to live, breathe, and eat. So, you know,
Speaker 3: sometimes it's not easy to say, like I got to
Speaker 3: get rid of cable, maybe just get the internet. I
Speaker 3: had the internet for like six years, just the internet,
Speaker 3: and I watched TV like online and stuff and Netflix
Speaker 3: and stuff to reduce my monthly output. So sometimes you
Speaker 3: just got to make those slashes and call your service providers.
Speaker 3: I was good for Darling wants to see you and
Speaker 3: saying hey, it's Tiffany. So yeah, this bill is really high.
Speaker 3: Energy company or car car insurance company, or a service provider,
Speaker 3: somebody who provides the service and you pay for it.
Speaker 2: This bill is really high. I honestly, I'm experiencing financial struggle.
Speaker 2: Can you help me?
Speaker 3: And sometimes they're like no, and sometimes they said yes,
Speaker 3: And then if they said no, I'd be like if
Speaker 3: it was a cancelable thing like your cell phone, I
Speaker 3: would say, well, can you transfer me to the retention
Speaker 3: department because I don't know if I'm going to be
Speaker 3: able to maintain my service with you guys, because honestly,
Speaker 3: it's I just can't afford it. And the retention department,
Speaker 3: if they have one, it's the let's make a deal department,
Speaker 3: and literally that's what they're there for to retain you.
Speaker 2: So make a deal. Do your budget ahead of time
Speaker 2: and see what number you have to get to to
Speaker 2: be able to afford it.
Speaker 3: So find for yourself, you know, bring your bills down
Speaker 3: to a place where you do have enough a month
Speaker 3: and let all of those things that are not necessities.
Speaker 1: And I like the idea of knowing exactly how much
Speaker 1: you're gonna need for your bills and then making sure
Speaker 1: you have that set aside. One of the things that
Speaker 1: I do for my rent is that from each paycheck,
Speaker 1: I have a I go through my payroll deposit payroll department,
Speaker 1: and I have half of my total rent for the
Speaker 1: month automatically debited and put into a separate bank account
Speaker 1: for my rent. So I'm not getting hit all at
Speaker 1: one paycheck. I'm getting half my rent from one paycheck
Speaker 1: and half from the other, and then by the time
Speaker 1: I have both added up, I'll have enough to pay
Speaker 1: the rent bill, which I do. So that's one thing
Speaker 1: you can do too, like if you don't want to
Speaker 1: use your entire paycheck for all of your bills, is
Speaker 1: save half your paycheck from the from the first paycheck
Speaker 1: for your in your bill's account, and then when the
Speaker 1: next paycheck comes, took the other half, and then hopefully
Speaker 1: that'll be enough to cover your bills. And that you
Speaker 1: can set up through your employer or just set it
Speaker 1: up through your bank, which takes a little bit of
Speaker 1: work but shouldn't be too hard these days.
Speaker 3: Yeah, And honestly, if you need help with a budget,
Speaker 3: I'm trying to think because I wrote a book called
Speaker 3: The One Week Budget, but I give like the first
Speaker 3: day away for free. I'm trying to think where you
Speaker 3: could just go snatch it because it will really help
Speaker 3: to organize your budget. You know, you can snatch it
Speaker 3: from go to Live Richer Challenge dot com and there's
Speaker 3: a little button that says resources. I think it says
Speaker 3: book resources.
Speaker 1: And if you link on, we'll put a link in
Speaker 1: the blog.
Speaker 2: Okay, good, So.
Speaker 3: If you click that way, because I want you to
Speaker 3: download just day one of the One Week Budget and
Speaker 3: it will help to get because honestly it's the most important.
Speaker 3: Plus why I give that part away for free so
Speaker 3: you can actually start to create your budget and see
Speaker 3: where do you stand and start reducing your spending.
Speaker 2: So that's why I giveaway to guys.
Speaker 1: It's free and I'll put a link to the you
Speaker 1: send me a link to that, I'll add it in
Speaker 1: the in the blog post for this week on our
Speaker 1: on our website Brown Ambition Podcast dot.
Speaker 2: Com dot com.
Speaker 1: Come well, Thanks for sending in your question. If you
Speaker 1: guys have any other questions, we are happy to take them.
Speaker 1: You can email us at Brown Ambition Podcast at gmail
Speaker 1: dot com or tweet us at the BA podcast.
Speaker 2: Yeah, we like. I like when you guys tweet it.
Speaker 3: I like, honestly when you guys tweet us and then
Speaker 3: you tweet us at our personal handles And I'm at
Speaker 3: the budget LISTA and Mandy is what are you?
Speaker 2: Mandy?
Speaker 1: Are you Mandy Wood draw at Mandy Woodrow yep.
Speaker 3: Yeah, Mandy with an eye And yeah, I love when
Speaker 3: you guys like tweet us personally, and B and You're.
Speaker 2: Like, I miss you guys, And I'm like, oh my god,
Speaker 2: they like us, they really like us.
Speaker 1: Alrighty, how about some wins?
Speaker 3: All I do is when when win, no matter what,
Speaker 3: I'm trying to think, what is the win, you go first?
Speaker 1: I will go first. So I read that Notre Dame
Speaker 1: has is this year or this February it's going to
Speaker 1: have its very first. I guess it's not February anymore?
Speaker 1: How is it already March? Wait? A second? Daylight Saving
Speaker 1: time starts tomorrow anyway, So uh, the Notre Dame has
Speaker 1: its very first black valedictorian, and it is a young
Speaker 1: woman named Katie Washington from Gary Falls, Indiana. Right, oh, yeah, Gary, Indiana.
Speaker 1: Katie studied biological science. Also something about Catholic teaching. I'm
Speaker 1: not sure what that is, but go ahead, Katie, go ahead, Katie,
Speaker 1: go ahead, girl. And she's going to pursue a joint
Speaker 1: MD and PhD at John Hopkins University. So she's taking
Speaker 1: it easy.
Speaker 3: Yeah, right, you know, Katie, are you sure you want
Speaker 3: to be sure you want to take the slacker rap?
Speaker 2: I mean you're you're doing a lot, Katie. No, that's awesome.
Speaker 1: Speaking of black scientists, like we've talked about not only
Speaker 1: Taji p Henson playing a real life black scientist, now
Speaker 1: we have a real life other first black Valdictoria Notre
Speaker 1: Dame is going to be a scientist. She I'm reading
Speaker 1: her little bio. So she's been conducting research on lung
Speaker 1: cancer and she co authored a paper with a biological
Speaker 1: science professor. Already, So what have you done lately?
Speaker 2: Mary? Oh?
Speaker 3: Yeah, ooh, we're back to singing, Honey, don't hate you
Speaker 3: love my voice. I'm trying to think what if my way?
Speaker 3: I'm like, I feel like.
Speaker 1: He did the Academy could be a win because that's true.
Speaker 3: So the Literature Academy is definitely, well, I guess that's
Speaker 3: my personal win. Yeah, it's just you know, it's a
Speaker 3: testament to this is that I was talking. Actually I
Speaker 3: was at john Saint John's University today. They had this
Speaker 3: great Women's Day. I guess that that called I Am Her,
Speaker 3: and the purpose of it was to get like young
Speaker 3: women and like women like me and some other like
Speaker 3: older well I'm not older women, but you know, like
Speaker 3: you know, older like established women and just kind of
Speaker 3: like reflect in each other, like you know, I am
Speaker 3: you and I was where you were and you will
Speaker 3: one day be where I am. And it was just
Speaker 3: it was honestly this great, loving environment. I sat on
Speaker 3: a panel and I just met so many great amazing
Speaker 3: women there. I'm younger and a little bit older, and
Speaker 3: it just I think maybe that's really my win. I mean,
Speaker 3: the the Academy has shown me like cause when I
Speaker 3: was in college, I would have never imagined that I'd
Speaker 3: be running a business and all that kind of stuff.
Speaker 3: And just seeing those women and just seeing how much
Speaker 3: potential there was, and you know, I just will leave you.
Speaker 2: I guess my win is this.
Speaker 3: It's just that if you have something in your heart
Speaker 3: that is that you want to do, if you want
Speaker 3: to help people, if you want to give, if you
Speaker 3: want to I just say go ahead and do it.
Speaker 3: Because just looking at these young women and then looking
Speaker 3: at these older women, and it just filled my heart
Speaker 3: with joy to just know that I don't know, everybody
Speaker 3: was really wanting more and better, and you know, I
Speaker 3: just that's what it really I want for everyone. I
Speaker 3: feel like, oh, I guess the libor like the sentimental
Speaker 3: side of me is coming out. It just makes you
Speaker 3: feel like everybody go after your dreams. And I don't
Speaker 3: believe that going after your dreams means you have to
Speaker 3: quit your job. Everybody doesn't have to like be like,
Speaker 3: you know, their dream for a living. But I do
Speaker 3: think that there should be some part of your life
Speaker 3: where you are experiencing and enjoying your passion, whether it's
Speaker 3: on the weekends, or whether it's before work or after work,
Speaker 3: or whether it's work itself. And so that's really my
Speaker 3: biggest win, probably more so that you know I'm fortunate
Speaker 3: enough that you know I'm living my passion even though
Speaker 3: it's hard sometimes and I don't get a lot of sleep,
Speaker 3: but still I love it and I get to you know,
Speaker 3: I'm here with Mandy and so this is part of it.
Speaker 2: So yeah, that's the.
Speaker 1: Best start of the podcast. I think it's important. The
Speaker 1: word passion is so overused, you know, when you talk
Speaker 1: about careers, find your passion, make money out of your passion.
Speaker 1: Not everybody does. I like that you said that because
Speaker 1: you can put a lot of pressure on yourself to
Speaker 1: you know, some people might love songwriting or something, but
Speaker 1: that always doesn't equate to a career of money. And
Speaker 1: sometimes you need money to live, you know, every once
Speaker 1: in a while you need some money. So I think
Speaker 1: it's it's fine if you have a job that's not
Speaker 1: necessarily your passion, but you're doing your your Yeah, you're
Speaker 1: having that outlet in some other way for sure.
Speaker 3: Like you said, like look you started this podcast, Like
Speaker 3: look at Mandy. One day it was like, I want
Speaker 3: a podcast.
Speaker 2: I think I'll do it. She knew nothing about podcasting
Speaker 2: and all the things involved. And one foot in front
Speaker 2: of the other, you.
Speaker 3: Know, she figured out what Mike, she figured out what
Speaker 3: what formula, where to put it, how to put it,
Speaker 3: and now here we are all right, potting freaking podcasting
Speaker 3: pot and.
Speaker 2: So right, we're patting.
Speaker 3: And so that's what I mean, is that, like, you know,
Speaker 3: just whatever that thing is, do it in some capacity,
Speaker 3: and you know, because that's really what makes life worth living,
Speaker 3: you know. I mean, even if I wasn't doing this
Speaker 3: for a living, I probably would still be doing teaching.
Speaker 2: I was doing that.
Speaker 3: I was teaching financial education to my friends in college
Speaker 3: just because it was fun and it brought me just
Speaker 3: as much joy as doing it for a living. And
Speaker 3: one day I might not do it for a living,
Speaker 3: I might do something else, and I probably still be
Speaker 3: talking to people about money. Like every time I see
Speaker 3: my dad, Mandy, it's so cute, like we'll talk talk talk,
Speaker 3: talk talk, and like literally, without fail, he will stop
Speaker 3: and be like, oh, so did you see your taxes?
Speaker 3: Make sure you tell your accounting this and make sure
Speaker 3: are you putting this in your insurance? And like, without fail,
Speaker 3: he will always leave me and my sisters with a
Speaker 3: financial lesson. I don't even think he realizes because that
Speaker 3: is his passion and he didn't teach financial education for
Speaker 3: a living, but he has always taught that to people
Speaker 3: around him. So yeah, just make sure that you're encompassing
Speaker 3: your passion in your life in some.
Speaker 1: Way, in some way. That's a nice time to end
Speaker 1: this show on.
Speaker 3: I know we've all positive and stuff because usually we're like,
Speaker 3: we hate the world.
Speaker 2: Kanye, You're crazy.
Speaker 1: Sit down, we'll make an effort. Okay, I'm gonna bring
Speaker 1: my usual buzzworthy topics. You bring some positive news to
Speaker 1: be the positive news fairy. How about that? You want
Speaker 1: positive news, you gotta bring it.
Speaker 2: Oh, you know what.
Speaker 1: I like that.
Speaker 2: You're right, that's a good call to action. Yes, positive
Speaker 2: news fairy.
Speaker 1: All right, already, guys, we will see you next week.
Speaker 2: You will indeed. Bye.