WEBVTT - Ep. 194 — Balancing Boss Life With Wifey Expectations

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<v Speaker 1>Hey, Hey, Hey, I tried to do a little cabaret.

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<v Speaker 1>You know, I don't know. Hey, it's tippity.

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<v Speaker 2>Hello, guys, did you miss us? We were only gone

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<v Speaker 2>for one week, I.

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<v Speaker 1>Know, but honestly someone wrote something about they missed me singing.

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<v Speaker 1>I don't know. I was like, oh, you're probably the

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<v Speaker 1>only one, but don't be hater se hat im singing.

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<v Speaker 1>Me and Manny were starting to try to start the show.

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<v Speaker 1>For like thirty minutes, we were like lamenting over men

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<v Speaker 1>and food and how they want you to make every

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<v Speaker 1>sandwich because you have a special sandwich hand apparently.

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<v Speaker 2>I mean, it's kind of the tactic that I used

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<v Speaker 2>so that my husband does the dishes. He'll like unload

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<v Speaker 2>and load the dishwasher because he thinks I'm really bad

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<v Speaker 2>at it, and I just you know, let him I purpose.

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<v Speaker 2>I might do a bad job on purpose, just so

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<v Speaker 2>he gets outraged enough to do it himself. No, but

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<v Speaker 2>this whole thing where like I cook really good food.

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<v Speaker 2>I mean I like to think so, but I like

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<v Speaker 2>to cook meals like you know, meatballs or spaghetti, or

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<v Speaker 2>make chicken and vegetables and have it for the week.

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<v Speaker 2>But he's just not from that leftover life, Like I

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<v Speaker 2>am raised by a single mom with four kids, Like

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<v Speaker 2>we would my mom would make one thing and we

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<v Speaker 2>would just eat it until we were until we were

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<v Speaker 2>just so sick of it and it was all gone.

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<v Speaker 2>But you know, he's from a different household. He had,

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<v Speaker 2>you know, a mom and an abuela making fresh meals

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<v Speaker 2>for him every day. Doesn't really go for leftovers anyway. Like,

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<v Speaker 2>so I decided to forget, I'm not going to cook

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<v Speaker 2>these big meals because I just end up eating them

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<v Speaker 2>myself for weeks at a time. And so I brought

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<v Speaker 2>home some like bread ham and some damn cheese, and

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<v Speaker 2>I put together a sandwich for him, and it was

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<v Speaker 2>like I was just God's gift. I was just like

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<v Speaker 2>this got and I'm like this this is all atkes, Yes,

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<v Speaker 2>why have I tried so hard? And then also if

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<v Speaker 2>this is all it takes, why don't you make a

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<v Speaker 2>damn ham sandwich exactly? So you have.

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<v Speaker 1>A special hand, I'm telling you, like Supeman does not

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<v Speaker 1>not that he doesn't cook, but he cooks like that

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<v Speaker 1>man stuff like he calls it. He has this thing

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<v Speaker 1>called turkey Ronnie, don't I mean? And I was like,

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<v Speaker 1>what it's literally like it's pasta, so it's almost like

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<v Speaker 1>spaghetti but ground turkey. And then yeah, and then like

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<v Speaker 1>I guess sometimes some veggies in it. I don't know

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<v Speaker 1>he's coming, but the the it's like elbow macaroni. I

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<v Speaker 1>don't know. It's so it's a hot mess.

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<v Speaker 2>And so he hab.

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<v Speaker 1>Yeah to that extent, but like I guess he put

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<v Speaker 1>it together himself, and you can't tell him. When I

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<v Speaker 1>first met him, he would make a vat of turkey

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<v Speaker 1>Ronnie and I'm like, what so much so that the

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<v Speaker 1>neighborhood kids knew mister John made turkey brownie and kids,

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<v Speaker 1>it's such like a like a kid meal. And I'm like,

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<v Speaker 1>I mean it's it doesn't taste bad, but it's not

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<v Speaker 1>the kind of.

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<v Speaker 2>Thing like you want to eat every day.

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<v Speaker 1>But yeah, No, I felt really good because I was like,

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<v Speaker 1>I've made dinner tonight. I've not made dinner, and honestly

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<v Speaker 1>probably two and a half weeks, we like not that

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<v Speaker 1>we haven't eating dinner, I just have that made dinner.

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<v Speaker 1>So he was happy that. I was like, He's like, oh,

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<v Speaker 1>you are on your dean today. I'm like, meanwhile, you

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<v Speaker 1>didn't even hear about my day and all the things

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<v Speaker 1>that I did for business. But because I've got baked

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<v Speaker 1>chicken in the oven and some yellow rice from a

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<v Speaker 1>box on the on the stove, I'm on my dean.

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<v Speaker 2>So whatever does he usually do the cooking or what's

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<v Speaker 2>y'all's what's y'all dynamic? Because we cook, we eat separate

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<v Speaker 2>meals most of the time because I will make a

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<v Speaker 2>nice meal for myself. I'm trying to create a human

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<v Speaker 2>person who's got brain cells. So I'm trying to eat

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<v Speaker 2>all my veggies, and he's like having corn dog street

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<v Speaker 2>nights in a row.

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<v Speaker 1>No we don't, so he's not. I mean he'll cook sometimes,

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<v Speaker 1>but honestly we will like eat out or order a lot,

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<v Speaker 1>which I never was that person, but because I just

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<v Speaker 1>sometimes some days, I just have so much to do

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<v Speaker 1>and I'm like.

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<v Speaker 2>Of course, who has time to cook all day.

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<v Speaker 1>Exactly, So I'm trying to get better because it's not

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<v Speaker 1>obviously that's not ideal. So but like sometimes I'll start,

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<v Speaker 1>he'll finish, so like he's like I, even though I'm

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<v Speaker 1>not like the greatest cook, I do season really well.

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<v Speaker 1>So sometimes I'll season whatever thing we're having, and then

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<v Speaker 1>when he comes home he'll put it in the oven

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<v Speaker 1>or whatever. So yeah, I'm trying to get better, but

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<v Speaker 1>I'm also somebody who hates food chopping, so I'm always scrounging, like,

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<v Speaker 1>m what does it make?

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<v Speaker 2>I get a little salty about this whole thing because

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<v Speaker 2>we've been arguing more about this whole You know, there's

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<v Speaker 2>days when I get home super late, and I come

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<v Speaker 2>home and there's been no thought about what I'm going

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<v Speaker 2>to have for dinner. I'm literally like creating your future child,

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<v Speaker 2>and you don't care what I have for dinner. Oh babe,

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<v Speaker 2>I just had some warmed up pizza or I stopped

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<v Speaker 2>at you know, Chipotle on the way home. I'm like,

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<v Speaker 2>so what about me? Yes, drive it? And I'm like,

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<v Speaker 2>for me, I care about what he eats. Like I'm

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<v Speaker 2>kind of turning into my dad where my dad always

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<v Speaker 2>asks what you what'd you eat good today? And we'll

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<v Speaker 2>tell him we have some differ lun and I always

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<v Speaker 2>I always check in on Enrique. I'm like, what'd you

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<v Speaker 2>have for lunch? Okay, well what do you want for

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<v Speaker 2>you know? I care about what he eats, and I

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<v Speaker 2>feel like I'm turning kind of into like a naggy mom.

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<v Speaker 2>Because I'm like, where do you do you eat a

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<v Speaker 2>vegetable in your day to day? Like I never see

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<v Speaker 2>you eat fruit? Do you like apples? I don't think

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<v Speaker 2>I've seen you eat an apple in seven or eight years.

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<v Speaker 2>But it doesn't He's not doing that for me, And

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<v Speaker 2>I'm like, I want someone to care about me, you

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<v Speaker 2>know what I eat. But then I talked to my

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<v Speaker 2>therapist about it and she was all, well, you knew

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<v Speaker 2>who he was when you married him. And she's like, well,

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<v Speaker 2>if the best you can do is go to the

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<v Speaker 2>because he will go to the store. He will, you know,

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<v Speaker 2>if I badger him enough. But he'll bring back like

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<v Speaker 2>frozen things. He doesn't really know how to put a

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<v Speaker 2>meal together, you know, and it'll be a lot of

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<v Speaker 2>frozen pizzas and oh my god, he discovered many corn

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<v Speaker 2>dogs and it's been many corn dogs for a while,

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<v Speaker 2>or like whatever egg rolls. But he'll bring stuff back.

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<v Speaker 2>And she was like, if that's all he does when

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<v Speaker 2>you have the baby, Hebrew goes to the store and

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<v Speaker 2>brings home frozen meals that you guys can heat up.

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<v Speaker 2>You have to give him credit. And I'm like, mm hmm,

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<v Speaker 2>that sounds very fair, but also not there. Why doesn't

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<v Speaker 2>he need to learn how to cook? I don't know.

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<v Speaker 2>I'm struggling with it. I feel like maybe our listeners

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<v Speaker 2>will have similar experiences, because it just feels like this

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<v Speaker 2>old school gender dynamic that it's driving me a little crazy.

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<v Speaker 1>Yes, and so I will say, Supermann. It is pretty

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<v Speaker 1>good at not holding me to that to except for

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<v Speaker 1>when I guess it's gotten to the extreme where he's like, like,

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<v Speaker 1>we have not had a meal in three weeks, and

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<v Speaker 1>I'm like, well, Brah, before I got here, who's making food? Oh?

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<v Speaker 2>You were.

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<v Speaker 1>Let's see how we could go back to that. Although

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<v Speaker 1>his food, like I said, is so bachelor that I'm like,

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<v Speaker 1>I don't want it.

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<v Speaker 2>That's the way. If I let him cook, it's going

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<v Speaker 2>to be frozen corn dogs. It has been. I can't

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<v Speaker 2>be eating that way. Like, you know, he's not going

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<v Speaker 2>to make me a kale salad or butternut squash soup.

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<v Speaker 2>That's what I like to eat.

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<v Speaker 1>Oh yeah, that's what happened. Girl. You gotta let that go,

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<v Speaker 1>that problem. Oh no, I don't want to.

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<v Speaker 2>Let it go. I want it. I want it.

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<v Speaker 1>Speaking of which, how was that baby shower? It looks amazing.

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<v Speaker 2>Baby shower was epic. It was ridiculous. Baby shower was ridiculous.

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<v Speaker 2>So if anyone who's listening from the front who has

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<v Speaker 2>a background, I don't know if it's like a it's

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<v Speaker 2>particularly Dominican thing, but the baby showers I've been to

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<v Speaker 2>from Marique side the family are always like at night,

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<v Speaker 2>it's a big party. It's like basically kind of a

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<v Speaker 2>wedding reception vibe. There's dancing, there's open Barther's food. And

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<v Speaker 2>so when I was sitting down to plant, not when

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<v Speaker 2>I was sitting down to plant, but when my mom

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<v Speaker 2>started asking about the baby shower, I immediately knew what

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<v Speaker 2>I didn't want, which is like a really boring I've

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<v Speaker 2>been to way too many boring baby showers that are

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<v Speaker 2>like on a Sunday afternoon from one to four and

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<v Speaker 2>you have to sit there and watch, you know, watch

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<v Speaker 2>someone open onesie after onesie after onesie for two hours straight.

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<v Speaker 2>Maybe you play a game, like maybe you have mimosas,

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<v Speaker 2>and it's just not that entertaining, and I just I

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<v Speaker 2>didn't want to spend money on that kind of experience

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<v Speaker 2>for my friends. And so I was like, let me

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<v Speaker 2>take like, let me really embrace the Dominican side of

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<v Speaker 2>my family, and so I had my my mom and

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<v Speaker 2>my sister, who were like two Midwestern white ladies at

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<v Speaker 2>this point, like they really spearheaded it. But our Dominican

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<v Speaker 2>my my husband's brother's fiance, Jamilla, who's this angel from heaven.

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<v Speaker 2>She's so helpful and so nice, and I was like,

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<v Speaker 2>you need to be our Dominican ambassador and be sure

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<v Speaker 2>that they shepherd them through as they planned this shower,

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<v Speaker 2>and they did such an amazing job. It was in

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<v Speaker 2>my husband's neighborhood, like blocks from his where his family

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<v Speaker 2>all lives on Dykeman in Inwood, and this nice restaurant

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<v Speaker 2>and they had his brother got us a DJ. There

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<v Speaker 2>was amazing music. The food was like all this Dominican food.

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<v Speaker 2>There's open bar. I didn't open a single present. The

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<v Speaker 2>aunties didn't like that part, but I didn't open a

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<v Speaker 2>single present. It was beautiful and the best part was

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<v Speaker 2>at the end. So I haven't told you guys, but

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<v Speaker 2>like a or two ago, I was at my doctor

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<v Speaker 2>and we didn't want to know the gender, Like I

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<v Speaker 2>really didn't care boy or girl, and I really loved

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<v Speaker 2>the idea of being surprised, you know, at the birth,

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<v Speaker 2>like having Enrique, you know, run out to the waiting

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<v Speaker 2>room and be like it's a you know, boy or

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<v Speaker 2>girl or whatever. But then my doctor blew it the

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<v Speaker 2>other day, like about a month ago, just zoomed right

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<v Speaker 2>in on the ultrasound. I don't have no idea why.

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<v Speaker 2>I don't know how she forgot. I've been seeing her

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<v Speaker 2>for nearly a year, and she was like, there's his

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<v Speaker 2>little manhood. And I was like looking at my son's

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<v Speaker 2>penis right there on the screen.

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<v Speaker 1>So like what I did?

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<v Speaker 2>You were like, wait what? It was so many emotions.

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<v Speaker 2>I was like, I was honestly, honestly devastated. It was

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<v Speaker 2>the hormones, but I was so sad. But anyway, the

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<v Speaker 2>bright side was that we decided we were going to

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<v Speaker 2>do a gender reveal for our moms at the end

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<v Speaker 2>of the shower. So at the end of the shower,

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<v Speaker 2>everyone had a great time when we brought out these

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<v Speaker 2>confetti poppers and we announced I told the story, and

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<v Speaker 2>then we asked our the two moms, our moms to

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<v Speaker 2>come over, and they were just like shake. They were

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<v Speaker 2>like crying already, and these and these are two women

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<v Speaker 2>who have been telling me it's a girl. For months,

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<v Speaker 2>like each of them has their own superstitions, and like

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<v Speaker 2>they were convinced it was a girl. So I knew

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<v Speaker 2>it was going to be good. And we got this.

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<v Speaker 2>We had this really special moment where we do the

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<v Speaker 2>the gender reveal and it was it was just perfect, perfect, perfect,

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<v Speaker 2>And were.

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<v Speaker 1>They excited when they found it was a boy?

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<v Speaker 2>Well, his mom came up. Enrique's mom came over and

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<v Speaker 2>was like, it's okay, it's a boy, Like she was

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<v Speaker 2>almost and I think she really wanted a girl. All yeah, honestly,

0:10:36.240 --> 0:10:38.480
<v Speaker 2>everyone was. I didn't expect the entire party. They just

0:10:38.559 --> 0:10:41.080
<v Speaker 2>like everyone came in. It was like one massive group

0:10:41.200 --> 0:10:43.679
<v Speaker 2>hug and it was you know, if I'm going to

0:10:43.760 --> 0:10:45.480
<v Speaker 2>do it, Honestly, if I was going to do a

0:10:45.480 --> 0:10:49.840
<v Speaker 2>baby shower, this is exactly the way, like over the top, ridiculous,

0:10:50.880 --> 0:10:54.360
<v Speaker 2>and I loved it. It was beautiful. And while I

0:10:54.520 --> 0:10:59.560
<v Speaker 2>was having that epic moment, you miss queen, were just

0:10:59.640 --> 0:11:01.880
<v Speaker 2>hosted the party of your life.

0:11:01.760 --> 0:11:06.959
<v Speaker 1>Yeah, it was so awesome. Yes, at at the at

0:11:07.000 --> 0:11:11.080
<v Speaker 1>the Smith Mansion. No it's not a mansion, but my yeah,

0:11:11.080 --> 0:11:13.720
<v Speaker 1>I had my fortieth. Honestly, it's exactly what I wanted.

0:11:13.800 --> 0:11:17.760
<v Speaker 1>I wanted the people that I loved and cared about there.

0:11:18.040 --> 0:11:20.120
<v Speaker 1>If you know me, I'm not really one for the fuss.

0:11:20.800 --> 0:11:25.400
<v Speaker 1>And but it was nice because Bonda, who did our

0:11:25.440 --> 0:11:28.200
<v Speaker 1>reception where we had at her restaurant, she's a friend

0:11:28.200 --> 0:11:30.240
<v Speaker 1>of mine who shut down her restaurant for our reception.

0:11:30.720 --> 0:11:34.480
<v Speaker 1>She she catered and when I tell you the food

0:11:34.679 --> 0:11:37.240
<v Speaker 1>was she put, I mean she outdid herself. The lobster

0:11:37.320 --> 0:11:41.520
<v Speaker 1>macaroni and cheese was out of this world and it

0:11:41.600 --> 0:11:44.439
<v Speaker 1>happened to be perfect weather. So she ordered because Vonda

0:11:44.559 --> 0:11:46.559
<v Speaker 1>doesn't just like cook food when she caters, she does

0:11:46.600 --> 0:11:49.440
<v Speaker 1>like the whole thing, presentation, decorations, all that kind of stuff.

0:11:49.800 --> 0:11:52.040
<v Speaker 1>So she ordered what they call hot high hats or

0:11:52.120 --> 0:11:54.640
<v Speaker 1>high table something like that where it's like the tall

0:11:54.720 --> 0:11:57.360
<v Speaker 1>kind of like tables with like seats around it. So

0:11:57.400 --> 0:11:58.640
<v Speaker 1>I was like, are we gonna need it? You know,

0:11:58.679 --> 0:12:01.240
<v Speaker 1>because our backyard is fully paid, like whoever lived there

0:12:01.240 --> 0:12:04.079
<v Speaker 1>before put full papers back there, and so we had

0:12:04.080 --> 0:12:08.240
<v Speaker 1>four of them. And then Superman's sister like gave us

0:12:08.240 --> 0:12:10.679
<v Speaker 1>like this, like it's not a money pit. It's almost

0:12:10.720 --> 0:12:13.840
<v Speaker 1>like a fire. It's not a pit because it's not low,

0:12:13.960 --> 0:12:16.160
<v Speaker 1>but it's like not a money pit. I'm not to

0:12:16.160 --> 0:12:20.440
<v Speaker 1>say a fire pit. He gave us like this fire

0:12:20.520 --> 0:12:23.679
<v Speaker 1>pit thing, so what but it was like so it

0:12:23.760 --> 0:12:26.400
<v Speaker 1>was just so the weather was perfect outside, she had

0:12:26.440 --> 0:12:29.000
<v Speaker 1>food outside. We had a DJ in the basement so

0:12:29.040 --> 0:12:31.600
<v Speaker 1>you could hear the music upstairs. Like everyone was there,

0:12:31.640 --> 0:12:35.480
<v Speaker 1>my aunt's, my uncle's Jorelle side of the family. Like

0:12:35.559 --> 0:12:39.040
<v Speaker 1>some Unicorn Squad members team members came. It just was

0:12:39.200 --> 0:12:42.760
<v Speaker 1>really really it was like, Tiffany, it's your life, like

0:12:42.840 --> 0:12:44.439
<v Speaker 1>you know, people from when I was like from high

0:12:44.480 --> 0:12:47.280
<v Speaker 1>school came, folks from college. So it just was a

0:12:47.320 --> 0:12:49.840
<v Speaker 1>really good time and I had a really good time.

0:12:50.640 --> 0:12:53.280
<v Speaker 1>And honestly, I spent like the whole time giving tours

0:12:54.040 --> 0:12:55.400
<v Speaker 1>of the house that everyone wanted. It was like a

0:12:55.440 --> 0:12:58.679
<v Speaker 1>housewarming slash fortieth birthday party. And yeah, it was an

0:12:58.720 --> 0:13:02.319
<v Speaker 1>awesome time. And I just have to say, honestly, Jermaine

0:13:02.440 --> 0:13:06.160
<v Speaker 1>and Rihanna Lewis from Remain Home. Their instagram is r

0:13:06.480 --> 0:13:10.240
<v Speaker 1>E h m A I N Home Remain Home. They

0:13:10.320 --> 0:13:16.599
<v Speaker 1>are absolutely amazing. They but what look So Jermaine is

0:13:16.600 --> 0:13:21.680
<v Speaker 1>a is a project manager, and so my contractor was okay,

0:13:23.640 --> 0:13:26.120
<v Speaker 1>and but Jermaine really made sure he kept on track

0:13:26.160 --> 0:13:28.240
<v Speaker 1>because I mean it's like a fellow. We built the

0:13:28.240 --> 0:13:31.360
<v Speaker 1>house from the ground up, darn near and then Rihanna

0:13:31.880 --> 0:13:33.960
<v Speaker 1>with the design, she went to direct so she's got

0:13:33.960 --> 0:13:36.959
<v Speaker 1>her master's in design, and she didn't just help design

0:13:37.200 --> 0:13:39.680
<v Speaker 1>like rooms or where things should be, but she went

0:13:39.760 --> 0:13:43.439
<v Speaker 1>as far like planters and this is a really nice

0:13:43.640 --> 0:13:46.880
<v Speaker 1>like bookshelf that should be here. And then because they

0:13:46.880 --> 0:13:49.240
<v Speaker 1>live around the corner from us, came and like hung

0:13:49.280 --> 0:13:52.360
<v Speaker 1>things up the night before we transformed like the whole

0:13:52.360 --> 0:13:54.199
<v Speaker 1>house with hanging up anything that was left over. We

0:13:54.360 --> 0:13:55.920
<v Speaker 1>stayed up till two or three o'clock in the morning

0:13:56.120 --> 0:13:58.040
<v Speaker 1>the night before getting the house ready for the party,

0:13:58.040 --> 0:14:00.559
<v Speaker 1>and so did they, and they came over the next

0:14:00.640 --> 0:14:02.800
<v Speaker 1>morning the morning of the party to help. Again, they

0:14:02.800 --> 0:14:06.120
<v Speaker 1>are above and beyonders. They have become such great friends

0:14:06.120 --> 0:14:10.240
<v Speaker 1>of ours. Yeah, they are amazing. I always tell people

0:14:10.240 --> 0:14:12.840
<v Speaker 1>and they're like, would you hire your contractor Again, I'm like, maybe,

0:14:13.040 --> 0:14:17.160
<v Speaker 1>but not with our remain home. So yeah, they're they

0:14:17.200 --> 0:14:19.320
<v Speaker 1>are absolutely amazing for like a design.

0:14:20.200 --> 0:14:21.960
<v Speaker 2>Yeah, it just got to use like a lot of

0:14:22.000 --> 0:14:24.040
<v Speaker 2>it for the party too, which was you know. I

0:14:24.040 --> 0:14:25.640
<v Speaker 2>mean that's the reason you buy a house, right is

0:14:25.640 --> 0:14:27.400
<v Speaker 2>too interest in it so.

0:14:28.000 --> 0:14:29.520
<v Speaker 1>Yeah, and I wanted, like, you know, I missed it

0:14:29.520 --> 0:14:31.360
<v Speaker 1>because when I was in my when I lived in

0:14:31.400 --> 0:14:33.880
<v Speaker 1>my condo, my kinda was like a gathering spot for

0:14:34.000 --> 0:14:35.840
<v Speaker 1>when I was single, me and my girlfriends, we'd have

0:14:35.880 --> 0:14:38.400
<v Speaker 1>girls night in and and my sisters would come over

0:14:38.480 --> 0:14:40.760
<v Speaker 1>all the time. So I missed Our apartment was so

0:14:40.800 --> 0:14:43.119
<v Speaker 1>small before where we were living in the Halfway Hood.

0:14:43.720 --> 0:14:46.920
<v Speaker 1>And so now we've got this beautiful house where I

0:14:47.000 --> 0:14:50.680
<v Speaker 1>just want people to come over, like Superman's siblings come over,

0:14:50.720 --> 0:14:52.520
<v Speaker 1>My siblings come over, my niece and my nephew come

0:14:52.560 --> 0:14:55.240
<v Speaker 1>over all the time. And I love it that we

0:14:55.280 --> 0:14:57.400
<v Speaker 1>can have a house full of like family, friends and love.

0:14:57.440 --> 0:15:01.440
<v Speaker 1>And so yeah, it was awesome. And I forgot to

0:15:01.520 --> 0:15:04.000
<v Speaker 1>tell you, but you know, I want to go see

0:15:04.000 --> 0:15:07.240
<v Speaker 1>the Harriet movie. So my friend Cynthia Rivo is in it.

0:15:07.320 --> 0:15:11.000
<v Speaker 1>She is Harriet, and I'm not gonna I was nervous

0:15:11.560 --> 0:15:13.680
<v Speaker 1>because I was like, either way, i'm gonna be like

0:15:13.720 --> 0:15:15.560
<v Speaker 1>it was great. So I was practicing my it was

0:15:15.640 --> 0:15:19.560
<v Speaker 1>great face, you know, Yeah, but honestly it was great.

0:15:20.360 --> 0:15:21.640
<v Speaker 1>It was really good.

0:15:22.480 --> 0:15:25.280
<v Speaker 2>Yes, we didn't we didn't get her the twenty dollars bill.

0:15:25.320 --> 0:15:26.720
<v Speaker 2>Con you please not mess up her movie.

0:15:27.280 --> 0:15:30.440
<v Speaker 1>I know, but we know what I It was really good.

0:15:31.160 --> 0:15:34.760
<v Speaker 1>It was touching, It was sad, but bigger than everything else.

0:15:34.800 --> 0:15:39.360
<v Speaker 1>It was so inspiring and inspirational. I didn't leave feeling

0:15:39.480 --> 0:15:42.640
<v Speaker 1>like like twelve Years of Slave was amazing, but it

0:15:42.840 --> 0:15:44.120
<v Speaker 1>also was devastating.

0:15:44.200 --> 0:15:46.560
<v Speaker 2>Oh my god, I left the week to.

0:15:46.520 --> 0:15:49.160
<v Speaker 1>Recover what like, I'm still not recovering.

0:15:49.160 --> 0:15:51.440
<v Speaker 2>I ruined. It ruined movies for a lot of people,

0:15:52.040 --> 0:15:54.800
<v Speaker 2>like movies about slavery. Like people were like, that's the

0:15:54.840 --> 0:15:56.440
<v Speaker 2>last one I'm never gonna see.

0:15:55.840 --> 0:15:59.560
<v Speaker 1>I was broken, like bro I was hysterical in the

0:15:59.560 --> 0:16:02.760
<v Speaker 1>movie theater, but this I did not lead that way.

0:16:02.800 --> 0:16:05.600
<v Speaker 1>I left feeling like I left the Beyoncee concert. I

0:16:05.680 --> 0:16:07.000
<v Speaker 1>was like, who won the world?

0:16:07.280 --> 0:16:07.720
<v Speaker 2>Girls?

0:16:07.920 --> 0:16:11.160
<v Speaker 1>Like? I felt so empowered? Honestly, Mandy, I was like,

0:16:11.320 --> 0:16:13.160
<v Speaker 1>what else can I do for my people? What can

0:16:13.200 --> 0:16:15.200
<v Speaker 1>I do for women? How can I be better?

0:16:15.720 --> 0:16:16.520
<v Speaker 2>Like it was?

0:16:16.800 --> 0:16:20.240
<v Speaker 1>And I love that feeling because it didn't sugarcoat slavery

0:16:20.400 --> 0:16:23.480
<v Speaker 1>and all the horrific things that happened. But what it

0:16:23.560 --> 0:16:26.520
<v Speaker 1>did was through Harriet and her story. What made you

0:16:26.600 --> 0:16:30.040
<v Speaker 1>realize is that despite that, there is courage, there is strength,

0:16:30.240 --> 0:16:34.320
<v Speaker 1>there is grace, There is it just she's Harry, I'm

0:16:34.560 --> 0:16:37.800
<v Speaker 1>truly a superhero. Yeah. I mean, you know, I can't

0:16:37.800 --> 0:16:40.840
<v Speaker 1>speak for everybody else, but I really enjoyed it. And

0:16:41.120 --> 0:16:43.320
<v Speaker 1>from the vibe that I felt when the lights came on,

0:16:43.960 --> 0:16:47.280
<v Speaker 1>everyone really enjoyed it. It didn't leave you feeling sad

0:16:47.320 --> 0:16:49.120
<v Speaker 1>and left you feeling like what can I do?

0:16:51.440 --> 0:16:54.160
<v Speaker 2>So yeah, all I wanted to hear because I was

0:16:54.680 --> 0:16:56.600
<v Speaker 2>trying to convince two of my friends who listen to

0:16:56.640 --> 0:16:59.440
<v Speaker 2>the show actually to go, and they're both just like,

0:16:59.440 --> 0:17:01.640
<v Speaker 2>now we're not what we're done with slave movies. And

0:17:01.680 --> 0:17:03.600
<v Speaker 2>I could tell from the previous it's much more than

0:17:03.640 --> 0:17:06.200
<v Speaker 2>a slave movie. Like, first of all, in slave movies,

0:17:06.240 --> 0:17:08.720
<v Speaker 2>typically they tend to run an African American character. Yes,

0:17:08.800 --> 0:17:12.120
<v Speaker 2>Lupita was was one of the central figures in Twelve

0:17:12.160 --> 0:17:15.400
<v Speaker 2>Years of Slave, but it really was about Chiwadell Edgiafor's character, right,

0:17:16.400 --> 0:17:18.440
<v Speaker 2>and and it just feels like and often you see

0:17:18.520 --> 0:17:20.840
<v Speaker 2>I don't know it just it's you don't see. And

0:17:20.920 --> 0:17:24.640
<v Speaker 2>even Black Panther again, so many fabulous women, strong characters,

0:17:24.840 --> 0:17:27.040
<v Speaker 2>but that was like a nice surprise the real character

0:17:27.280 --> 0:17:31.200
<v Speaker 2>was Black Panther. Uh. Anyway, So to have a movie

0:17:31.359 --> 0:17:35.480
<v Speaker 2>focus on the female like a female slave who came

0:17:35.520 --> 0:17:39.480
<v Speaker 2>out of that situation and went back, like to the

0:17:39.560 --> 0:17:41.760
<v Speaker 2>courage to go back and bring people with you. I

0:17:41.840 --> 0:17:45.760
<v Speaker 2>keep thinking about she posted the Cynthia posted on Instagram

0:17:45.840 --> 0:17:47.879
<v Speaker 2>that song that she wrote. Does she co write over

0:17:47.960 --> 0:17:48.399
<v Speaker 2>or something?

0:17:48.560 --> 0:17:51.399
<v Speaker 1>Yes, and tell you at the end it's still I

0:17:51.480 --> 0:17:53.679
<v Speaker 1>was like, this is my song, I said, I told myself.

0:17:53.680 --> 0:17:56.199
<v Speaker 1>I'm like, oh my god, it made I remember I

0:17:56.280 --> 0:17:58.879
<v Speaker 1>used to like kind of like finally say like whatever

0:17:58.880 --> 0:18:01.120
<v Speaker 1>I used to do, like an online ask that like

0:18:01.560 --> 0:18:04.399
<v Speaker 1>the reason why I teach so much is when it

0:18:04.400 --> 0:18:06.320
<v Speaker 1>comes to financial education, and the reason why I do

0:18:06.400 --> 0:18:09.840
<v Speaker 1>so much for free is that I remember distinctly like

0:18:10.240 --> 0:18:12.919
<v Speaker 1>praying quite honestly that God, if you'll teach me, I

0:18:12.960 --> 0:18:16.760
<v Speaker 1>promise I'll help others. And like I used to say,

0:18:16.840 --> 0:18:19.320
<v Speaker 1>like I want to be the Harriet Tubman of a

0:18:19.359 --> 0:18:22.400
<v Speaker 1>financial education. But I mean, I say a tongue in cheek,

0:18:22.440 --> 0:18:25.439
<v Speaker 1>but honestly, no, I do that. I feel like that

0:18:25.680 --> 0:18:28.320
<v Speaker 1>as I get free, I can't be free if I'm

0:18:28.320 --> 0:18:30.879
<v Speaker 1>not if I'm not going back for other people. And

0:18:30.920 --> 0:18:33.760
<v Speaker 1>so that's how the Budgetista was built from that sentiment

0:18:33.840 --> 0:18:38.440
<v Speaker 1>of going back and helping others. Someone helped me and honestly, yeah,

0:18:38.720 --> 0:18:41.600
<v Speaker 1>go see Harry. Honestly, I'm so inspired. I'm actually trying

0:18:41.600 --> 0:18:43.399
<v Speaker 1>to figure out what the city I want to I

0:18:43.440 --> 0:18:46.720
<v Speaker 1>want the budgetista to to buy out a theater. It's

0:18:46.760 --> 0:18:49.120
<v Speaker 1>like maybe like fifteen hundred dollars ish, So I want

0:18:49.119 --> 0:18:51.160
<v Speaker 1>to buy out a theater to maybe have like high

0:18:51.160 --> 0:18:53.440
<v Speaker 1>school seniors or I'm trying to figure out what group

0:18:53.760 --> 0:18:57.399
<v Speaker 1>should should because Newark has like a theater that Shock owns,

0:18:57.600 --> 0:18:59.520
<v Speaker 1>so I'm trying to think like what group to invite

0:18:59.600 --> 0:19:01.880
<v Speaker 1>to see how tickets it includes, because I know there's

0:19:01.880 --> 0:19:05.560
<v Speaker 1>about eight hundred high school seniors in the city of Newark,

0:19:05.800 --> 0:19:08.000
<v Speaker 1>so I don't know how big the theater, but that's

0:19:08.040 --> 0:19:09.320
<v Speaker 1>what I want to do. I want to buy out

0:19:09.359 --> 0:19:12.399
<v Speaker 1>a theater and then and then buye, like you know,

0:19:12.760 --> 0:19:16.320
<v Speaker 1>a specific group of probably students to go watch the

0:19:16.359 --> 0:19:20.160
<v Speaker 1>Harriet movie. Yeah, that's how inspired I was. I was like, no,

0:19:20.280 --> 0:19:23.639
<v Speaker 1>it needs to be seen that you are capable of

0:19:23.720 --> 0:19:26.720
<v Speaker 1>so much more than you even you know, you even know,

0:19:27.400 --> 0:19:30.520
<v Speaker 1>and that that if you're waiting to not be afraid

0:19:30.680 --> 0:19:35.879
<v Speaker 1>to make a move, like you're gonna have to move fearful, fearfully, like,

0:19:36.160 --> 0:19:38.880
<v Speaker 1>that's what you really learned that like those people who

0:19:38.880 --> 0:19:42.320
<v Speaker 1>make history happen, it's not because they were fearless. It's

0:19:42.359 --> 0:19:45.360
<v Speaker 1>because they move despite the fear. And so yeah, go

0:19:45.400 --> 0:19:46.840
<v Speaker 1>see that movie Shackle.

0:19:47.400 --> 0:19:55.000
<v Speaker 2>November first, right, yep, that Friday. Okay, done, Dragon Husbey, Dragonhusbe. Oh,

0:19:55.040 --> 0:19:58.919
<v Speaker 2>that's great. Congrats to Cynthia. Love her. She crushed me

0:19:58.960 --> 0:19:59.719
<v Speaker 2>in color purple.

0:20:00.000 --> 0:20:02.440
<v Speaker 1>Okay, and she sings in a movie too, so her voice,

0:20:02.480 --> 0:20:03.399
<v Speaker 1>of course is like an angel.

0:20:03.520 --> 0:20:09.760
<v Speaker 2>She does. She's so annoying and good. I'm really sorry

0:20:09.760 --> 0:20:11.240
<v Speaker 2>for you being her friend least from I could be

0:20:11.280 --> 0:20:13.800
<v Speaker 2>a fan. I don't have to, like, you know whatever,

0:20:15.160 --> 0:20:15.480
<v Speaker 2>I know.

0:20:15.600 --> 0:20:17.920
<v Speaker 1>Right, I'm like just anywhere perfect India. Of course, she's

0:20:17.920 --> 0:20:19.200
<v Speaker 1>like a perfect shape.

0:20:19.160 --> 0:20:57.600
<v Speaker 2>And she's like she has a beautiful accent. Shall we

0:20:57.640 --> 0:21:03.200
<v Speaker 2>get to some questions? Yeah, okay, awesome questions today again.

0:21:03.240 --> 0:21:06.280
<v Speaker 2>You guys can hit us up on the gram. We're

0:21:06.280 --> 0:21:09.040
<v Speaker 2>at Brandabission Podcast on Instagram, or you can send us

0:21:09.080 --> 0:21:12.879
<v Speaker 2>an email directly brand Ambition Podcast at gmail dot com.

0:21:13.600 --> 0:21:15.320
<v Speaker 2>Our website is also out there. You can go to

0:21:15.320 --> 0:21:18.080
<v Speaker 2>brandimission podcast dot com and click ask us anything to

0:21:18.080 --> 0:21:22.919
<v Speaker 2>shoot us your questions. Let's take you guys with your

0:21:22.920 --> 0:21:25.199
<v Speaker 2>car problems. We have to take this question because I

0:21:25.200 --> 0:21:27.480
<v Speaker 2>feel like we get a lot of questions from people

0:21:27.480 --> 0:21:30.080
<v Speaker 2>who are in car debt autodet, and we all know

0:21:30.080 --> 0:21:34.480
<v Speaker 2>how I feel about it. I just think Autodet's crushing people.

0:21:35.800 --> 0:21:37.960
<v Speaker 2>But we're not here to judge. We are here to help.

0:21:38.080 --> 0:21:42.159
<v Speaker 2>So let's take a question from Instagram user. We'll call

0:21:42.240 --> 0:21:45.879
<v Speaker 2>her Portia. All right, she says, Hey, ladies, I've gotten

0:21:45.880 --> 0:21:48.199
<v Speaker 2>myself into a pickle. I have a new car that

0:21:48.240 --> 0:21:50.359
<v Speaker 2>I knew when I bought it that I didn't really

0:21:50.400 --> 0:21:53.400
<v Speaker 2>want to take on this financial burden. I did it anyway.

0:21:54.160 --> 0:21:56.120
<v Speaker 2>I was so scared of getting a used Lemon car

0:21:56.200 --> 0:21:59.320
<v Speaker 2>that I went ahead and got a more expensive used one.

0:21:59.600 --> 0:22:02.879
<v Speaker 2>Come to December. This December, my credit will be one

0:22:02.960 --> 0:22:05.399
<v Speaker 2>hundred points higher than when I bought the car, so

0:22:05.680 --> 0:22:08.479
<v Speaker 2>I plan to refinance it. But that's if I decided

0:22:08.520 --> 0:22:12.520
<v Speaker 2>to keep it. I've been contemplating lately doing a voluntary repossession.

0:22:12.920 --> 0:22:15.919
<v Speaker 2>I remember Tiffany said that Superman did a voluntary repo.

0:22:16.119 --> 0:22:19.840
<v Speaker 2>So I want to know does voluntary repot negatively infact

0:22:19.960 --> 0:22:25.120
<v Speaker 2>impact your credit, and if so, for how long. So

0:22:25.160 --> 0:22:27.840
<v Speaker 2>she's got this car that she can't afford. She could

0:22:27.840 --> 0:22:31.000
<v Speaker 2>potentially refinance her auto loan because her credit has improved

0:22:31.040 --> 0:22:34.520
<v Speaker 2>since she got it, but she's like, the car payments

0:22:34.520 --> 0:22:37.280
<v Speaker 2>are so high that she's considering just giving it up altogether. Tiff.

0:22:37.400 --> 0:22:45.399
<v Speaker 1>So, yeah, so I will say that. I mean, well,

0:22:45.400 --> 0:22:47.840
<v Speaker 1>here's one thing for sure, when you your credit score

0:22:47.840 --> 0:22:51.960
<v Speaker 1>will likely take a hit if you do a voluntary repossession.

0:22:52.400 --> 0:22:55.439
<v Speaker 1>But bigger than that, if you're doing a voluntary repossession,

0:22:56.080 --> 0:22:59.199
<v Speaker 1>you you're going like you're still going to owe. So that

0:22:59.280 --> 0:23:01.520
<v Speaker 1>was a hard part for man is that he had

0:23:01.560 --> 0:23:04.560
<v Speaker 1>to give the car back but there was still a balance.

0:23:04.560 --> 0:23:07.080
<v Speaker 1>So you're paying this balance, but you have no car,

0:23:08.880 --> 0:23:12.359
<v Speaker 1>So you have to kind of mentally prepare for that fact.

0:23:12.400 --> 0:23:15.440
<v Speaker 1>Because so he let's just say the car was fifty

0:23:15.480 --> 0:23:20.639
<v Speaker 1>thousand dollars and he he, you know, sent it back

0:23:20.760 --> 0:23:24.040
<v Speaker 1>and they were like, we're gonna give you. He ended

0:23:24.119 --> 0:23:26.320
<v Speaker 1>up having a five thousand dollars ballance forty five thousand

0:23:26.359 --> 0:23:29.240
<v Speaker 1>dollars for it. There was that five thousand dollars balance

0:23:29.280 --> 0:23:31.640
<v Speaker 1>that he had to pay because so what he ended

0:23:31.680 --> 0:23:33.480
<v Speaker 1>up doing was he took a loan from his credit

0:23:33.520 --> 0:23:37.040
<v Speaker 1>union so that way he wouldn't owe he wouldn't like

0:23:37.119 --> 0:23:38.920
<v Speaker 1>the interest rate on what he owed wouldn't be as high,

0:23:38.960 --> 0:23:41.200
<v Speaker 1>so he took a loan from his credit union. They

0:23:41.320 --> 0:23:45.080
<v Speaker 1>paid you know, the car dealership. That's what he sent

0:23:45.119 --> 0:23:47.800
<v Speaker 1>it back to. But he's still owed. Like like I

0:23:47.840 --> 0:23:51.560
<v Speaker 1>said that that five thousand dollars balance that he had

0:23:51.560 --> 0:23:53.640
<v Speaker 1>to just pay until he paid it off. He's glad

0:23:53.640 --> 0:23:54.680
<v Speaker 1>he did it. I mean, he was bitter in the

0:23:54.720 --> 0:23:59.200
<v Speaker 1>beginning because you know whatever, but you know, I told him,

0:23:59.240 --> 0:24:01.800
<v Speaker 1>I'm like, you know, it's either I don't know if

0:24:01.840 --> 0:24:06.239
<v Speaker 1>you guys remember, but his his car note was like

0:24:06.400 --> 0:24:10.320
<v Speaker 1>nine hundred dollars a month, a full mortgage that did

0:24:10.359 --> 0:24:13.560
<v Speaker 1>not include insurance, and then his insurance was like you know,

0:24:13.600 --> 0:24:16.399
<v Speaker 1>another I don't even know. But he was paid like

0:24:16.760 --> 0:24:19.240
<v Speaker 1>literally a mortgage a month. He had one of those

0:24:20.480 --> 0:24:23.640
<v Speaker 1>Yukon's analogy, you know, like those big cars. You know, yeah,

0:24:24.880 --> 0:24:25.439
<v Speaker 1>yeah so.

0:24:25.720 --> 0:24:28.040
<v Speaker 2>But but it's also the reason he ended up owing

0:24:28.160 --> 0:24:31.440
<v Speaker 2>is because when you when you voluntary give up your car,

0:24:31.600 --> 0:24:34.040
<v Speaker 2>the dealership or the lender, whoever owns it is gonna

0:24:34.040 --> 0:24:36.120
<v Speaker 2>try and sell it. And if they can't sell it,

0:24:36.200 --> 0:24:39.160
<v Speaker 2>if they can't sell it, ad enough value to cover

0:24:39.200 --> 0:24:41.639
<v Speaker 2>your out standing loan, then you'll basically owe the balance.

0:24:41.720 --> 0:24:45.800
<v Speaker 1>Right, Yes, But but here's the thing, like, well, I'm

0:24:45.800 --> 0:24:48.120
<v Speaker 1>assuming you're she's not late, So let me not say

0:24:48.119 --> 0:24:51.199
<v Speaker 1>for sure that the voluntary repossession is gonna it's gonna

0:24:51.400 --> 0:24:53.480
<v Speaker 1>affect your credit because a lot of times people do

0:24:53.560 --> 0:24:58.199
<v Speaker 1>voluntary repossessions because they've missed. And I didn't hear her

0:24:58.240 --> 0:25:01.320
<v Speaker 1>say that she hasn't missed any any payments.

0:25:01.359 --> 0:25:04.760
<v Speaker 2>Correct, it doesn't sound like it. But the repo itself,

0:25:04.960 --> 0:25:08.200
<v Speaker 2>that will go on your credit report like it's one

0:25:08.240 --> 0:25:10.280
<v Speaker 2>of it's like your miss payments would, but also just

0:25:10.280 --> 0:25:12.800
<v Speaker 2>like the fact that you've repote it. But honestly, if

0:25:12.800 --> 0:25:14.119
<v Speaker 2>it's a trade off, like if you feel like you're

0:25:14.119 --> 0:25:16.400
<v Speaker 2>getting close to the point where you're gonna start missing payments,

0:25:16.600 --> 0:25:17.800
<v Speaker 2>that would end up your credit too.

0:25:18.240 --> 0:25:21.600
<v Speaker 3>So it's almost like you know, it's it's it's a give,

0:25:21.680 --> 0:25:24.119
<v Speaker 3>it's a lesser of two evils things. Yeah, and you

0:25:24.240 --> 0:25:27.679
<v Speaker 3>ultimately should do what's best for your finances moving forward,

0:25:27.720 --> 0:25:30.240
<v Speaker 3>and if that means getting up the car, take that.

0:25:30.240 --> 0:25:32.720
<v Speaker 1>And sometimes I say sometimes sometimes it's like you have

0:25:32.760 --> 0:25:34.119
<v Speaker 1>to take the little L so you don't have to

0:25:34.119 --> 0:25:36.720
<v Speaker 1>take the big L later because there are moments as

0:25:36.720 --> 0:25:40.359
<v Speaker 1>an adult where either way you're taking it l you know,

0:25:40.520 --> 0:25:42.159
<v Speaker 1>like L as in loss with some of y'allre like

0:25:42.240 --> 0:25:44.959
<v Speaker 1>what you know, So either way you're going to take

0:25:45.000 --> 0:25:48.600
<v Speaker 1>a loss. So do you have to sometimes ask yourself, like, well,

0:25:48.600 --> 0:25:51.520
<v Speaker 1>which loss is less of a loss? And you know

0:25:51.640 --> 0:25:55.359
<v Speaker 1>it might be you know, giving your car back, paying

0:25:55.400 --> 0:25:58.000
<v Speaker 1>off whatever that balance is that that wasn't able to

0:25:58.040 --> 0:26:02.360
<v Speaker 1>be recouped from the sale of your car, and then rebuilding.

0:26:02.400 --> 0:26:04.720
<v Speaker 1>You're like, you know, credit honestly is not the hardest

0:26:04.760 --> 0:26:07.320
<v Speaker 1>thing to rebuild. It's just making all time payments. If

0:26:07.359 --> 0:26:08.920
<v Speaker 1>you can pay off a credit card in full every

0:26:08.960 --> 0:26:11.840
<v Speaker 1>month by swiping Netflix on it or something, that's going

0:26:11.880 --> 0:26:16.120
<v Speaker 1>to help tremendously, and then you'll be back versus dragging out,

0:26:16.320 --> 0:26:19.280
<v Speaker 1>like having a car that you really can't afford to

0:26:19.280 --> 0:26:21.000
<v Speaker 1>the point where you actually can't afford it, and then

0:26:21.000 --> 0:26:25.040
<v Speaker 1>you're late and now it's not a voluntary repossession, it's

0:26:25.080 --> 0:26:27.480
<v Speaker 1>just a repossession because you haven't made payments.

0:26:27.840 --> 0:26:31.520
<v Speaker 2>Yep. She mentions refinancing her auto loan, and that could

0:26:31.560 --> 0:26:33.760
<v Speaker 2>be a solution, especially if the payments are so high

0:26:33.800 --> 0:26:35.760
<v Speaker 2>that she's struggling with them, and maybe I don't know

0:26:35.760 --> 0:26:37.760
<v Speaker 2>exactly what her APR is, but it sounds like her

0:26:37.760 --> 0:26:40.639
<v Speaker 2>credit was pretty poor. Maybe she thinks she's going to

0:26:40.680 --> 0:26:42.879
<v Speaker 2>get a better interest rate, says her credit score is

0:26:42.880 --> 0:26:45.760
<v Speaker 2>going to be one hundred points higher soon. But my

0:26:45.800 --> 0:26:49.200
<v Speaker 2>thoughts on refinancing is often when people refinance her auto loans,

0:26:49.200 --> 0:26:52.719
<v Speaker 2>they're tempted to draw out the repayment period because if

0:26:52.760 --> 0:26:55.200
<v Speaker 2>you extend your loan over a longer period of time,

0:26:55.280 --> 0:26:58.280
<v Speaker 2>your monthly payments will go down. But you have to

0:26:58.320 --> 0:27:00.840
<v Speaker 2>think about how much interest rate you're adding to the

0:27:00.880 --> 0:27:03.400
<v Speaker 2>cost of that loan over time. And it's it may

0:27:03.640 --> 0:27:07.439
<v Speaker 2>temporarily improve your cash flow, and that could be fine,

0:27:07.520 --> 0:27:09.639
<v Speaker 2>you know, but you have to then think you're not

0:27:09.720 --> 0:27:12.640
<v Speaker 2>really are you really saving money each month? No, yeah,

0:27:12.640 --> 0:27:14.960
<v Speaker 2>because it's very likely that you're just adding to your

0:27:15.000 --> 0:27:18.720
<v Speaker 2>cost by spreading it out over many months. So as

0:27:18.720 --> 0:27:21.160
<v Speaker 2>best you can just try to get try to get

0:27:21.160 --> 0:27:23.600
<v Speaker 2>the you know, the all of all of the ducks

0:27:23.600 --> 0:27:25.000
<v Speaker 2>in a row, like where you have a payment you

0:27:25.040 --> 0:27:28.439
<v Speaker 2>can afford at a decent interest rate and not a

0:27:28.520 --> 0:27:32.520
<v Speaker 2>crazy long repayment term to do that so that you're

0:27:32.720 --> 0:27:34.600
<v Speaker 2>you're not giving the bank any more money than you

0:27:34.600 --> 0:27:35.560
<v Speaker 2>absolutely have to.

0:27:36.080 --> 0:27:39.800
<v Speaker 1>And just remember, like moving forward, getting a car. Honestly,

0:27:39.920 --> 0:27:42.440
<v Speaker 1>I've never had well, when I was in college, my

0:27:42.480 --> 0:27:44.080
<v Speaker 1>dad got looks like a least So I guess that's

0:27:44.119 --> 0:27:45.960
<v Speaker 1>the closest to like a new car that I've had,

0:27:46.880 --> 0:27:50.600
<v Speaker 1>but I've never owned own a brand new car. That

0:27:50.600 --> 0:27:53.600
<v Speaker 1>that that the best way to go, Like, I'll never

0:27:53.680 --> 0:27:56.879
<v Speaker 1>ever get a brand new car. Instead, you can I

0:27:56.920 --> 0:27:58.320
<v Speaker 1>get it that, You're like, I don't want to. There's

0:27:58.320 --> 0:28:01.320
<v Speaker 1>a different there's a there's a everybody thinks like you

0:28:01.400 --> 0:28:04.240
<v Speaker 1>got a huged car has to be like a putt putt,

0:28:04.280 --> 0:28:06.360
<v Speaker 1>you know, like a lemon. Then I have to get

0:28:06.359 --> 0:28:08.639
<v Speaker 1>a new car. There's something in between. You can get

0:28:08.640 --> 0:28:11.520
<v Speaker 1>a car that's two years old. That's what I have now. Well,

0:28:11.600 --> 0:28:13.840
<v Speaker 1>when I got it, and it was certified pre one,

0:28:14.200 --> 0:28:17.600
<v Speaker 1>meaning that they brought it up to speed as a

0:28:17.600 --> 0:28:20.959
<v Speaker 1>new car. And what's so great about that is that

0:28:21.000 --> 0:28:24.560
<v Speaker 1>certified pre oonne means that there's typically a warranty and

0:28:24.840 --> 0:28:27.720
<v Speaker 1>it ranges. I would say, what I typically see it

0:28:27.760 --> 0:28:29.760
<v Speaker 1>is like one hundred thousand miles or like six years

0:28:29.880 --> 0:28:32.399
<v Speaker 1>or sometimes ten years. So what that means is like

0:28:32.400 --> 0:28:35.680
<v Speaker 1>my husband, now his car was making some noise, so

0:28:35.720 --> 0:28:38.480
<v Speaker 1>he too has a certified pre owned car and it

0:28:38.560 --> 0:28:40.920
<v Speaker 1>was making some noise dropped it after the dealership they

0:28:40.960 --> 0:28:43.960
<v Speaker 1>gave him a loaner and they're like, oh, it's the

0:28:44.080 --> 0:28:48.000
<v Speaker 1>gasket and the dada, but whatever, he's gonna pay nothing

0:28:48.560 --> 0:28:51.320
<v Speaker 1>because it's certified pre onn That means all of those

0:28:51.360 --> 0:28:57.080
<v Speaker 1>things are covered, and they they've certified that for I

0:28:57.160 --> 0:28:59.440
<v Speaker 1>think it's six years up to one hundred thousand miles,

0:28:59.600 --> 0:29:01.440
<v Speaker 1>and so he's still has like four more years on it,

0:29:01.480 --> 0:29:04.000
<v Speaker 1>and his car only has thirty thousand miles, So seventy

0:29:04.000 --> 0:29:07.360
<v Speaker 1>thousand miles or four more years, whatever comes first, anything

0:29:07.480 --> 0:29:11.360
<v Speaker 1>that has to do with like the interior of the car,

0:29:11.560 --> 0:29:14.840
<v Speaker 1>that things that are like covered by the warranty, which

0:29:14.920 --> 0:29:17.280
<v Speaker 1>is most things. Then it's not like if he gets

0:29:17.280 --> 0:29:18.880
<v Speaker 1>to flat tire, he has to pay for that. Obviously

0:29:19.080 --> 0:29:20.920
<v Speaker 1>he doesn't have to pay for that. And so that's

0:29:20.920 --> 0:29:23.800
<v Speaker 1>what I would suggest to people. Certifi pre own is

0:29:23.880 --> 0:29:27.520
<v Speaker 1>like my babe, because you get to take the edge

0:29:27.560 --> 0:29:31.000
<v Speaker 1>off of depreciation by not getting a brand new car,

0:29:31.520 --> 0:29:33.320
<v Speaker 1>but you still get the flavor of a brand new

0:29:33.400 --> 0:29:35.520
<v Speaker 1>car because your car is typically a year or two

0:29:35.640 --> 0:29:39.240
<v Speaker 1>or max. Three years old, but you've got you've got

0:29:39.280 --> 0:29:42.080
<v Speaker 1>a warranty that really covers your car.

0:29:42.200 --> 0:29:45.240
<v Speaker 2>Fully, that's what I warranty that are.

0:29:45.760 --> 0:29:48.640
<v Speaker 1>I can't remember it was either it's either six years.

0:29:48.720 --> 0:29:50.520
<v Speaker 1>I think it might be six years, not ten years,

0:29:50.720 --> 0:29:52.480
<v Speaker 1>but I have seen that ten years, but I think

0:29:52.520 --> 0:29:57.280
<v Speaker 1>it's six years certified six years up to I want

0:29:57.280 --> 0:29:59.240
<v Speaker 1>to say one hundred thousand miles, but I don't. I

0:29:59.280 --> 0:30:01.360
<v Speaker 1>don't remember eat actly. But like the only thing of

0:30:01.400 --> 0:30:03.280
<v Speaker 1>the reason why I came up is because literally today

0:30:03.760 --> 0:30:05.000
<v Speaker 1>he was like, I had to drop off the car.

0:30:05.040 --> 0:30:07.000
<v Speaker 1>I was making some noise and asked, well, what did

0:30:07.040 --> 0:30:09.160
<v Speaker 1>they say? He said they were telling him this and

0:30:09.200 --> 0:30:11.560
<v Speaker 1>this and this and that. He's like, okay, whatever, and

0:30:11.600 --> 0:30:13.360
<v Speaker 1>he was like, you know, I was like, you know what,

0:30:13.360 --> 0:30:14.640
<v Speaker 1>what do you have to pay? He's like, I just

0:30:14.640 --> 0:30:16.080
<v Speaker 1>asked him to oil change, So I just have to

0:30:16.080 --> 0:30:18.240
<v Speaker 1>pay for the oil change. And I was like, chitching,

0:30:18.480 --> 0:30:20.120
<v Speaker 1>That's why I love me A certified pre own.

0:30:20.560 --> 0:30:24.840
<v Speaker 2>Yeah, that's an amazing warranty. All right, Well, thank you

0:30:25.000 --> 0:30:28.680
<v Speaker 2>very much for your question. Let's take one more. This

0:30:28.720 --> 0:30:31.400
<v Speaker 2>one comes from an Instagram user who'd like to remain anonymous.

0:30:31.520 --> 0:30:34.000
<v Speaker 2>She says, I recently found out I'm pregnant and I

0:30:34.040 --> 0:30:37.280
<v Speaker 2>was wondering about starting a baby savings fund. Do you

0:30:37.280 --> 0:30:39.960
<v Speaker 2>guys think this is necessary? If so, how much money

0:30:39.960 --> 0:30:42.640
<v Speaker 2>should be saved before baby gets here? We have ten

0:30:42.760 --> 0:30:45.640
<v Speaker 2>k saved in an emergency fund and plan to pay

0:30:45.680 --> 0:30:48.640
<v Speaker 2>at least thirty K and loans before the baby arrives.

0:30:49.120 --> 0:30:51.880
<v Speaker 2>Our money is being stretched thin with a new house, loans,

0:30:51.880 --> 0:30:53.840
<v Speaker 2>et cetera. But we're trying to get our life together.

0:30:54.240 --> 0:30:57.719
<v Speaker 2>Thanks you too, love listening to you. Oh girl, I

0:30:57.720 --> 0:31:01.600
<v Speaker 2>can identify a ten K. Say, that's awesome. You got

0:31:01.600 --> 0:31:03.360
<v Speaker 2>a plan to pay off thirty K and loans before

0:31:03.360 --> 0:31:08.080
<v Speaker 2>the baby arrives. That is also awesome. Let's see me

0:31:08.200 --> 0:31:10.760
<v Speaker 2>not being a financial planner. What do I think is important?

0:31:10.760 --> 0:31:13.920
<v Speaker 2>I think it's important that you guys focus on problems

0:31:13.960 --> 0:31:16.120
<v Speaker 2>in front of you right now, which obviously the loans

0:31:16.760 --> 0:31:19.040
<v Speaker 2>and paying off debt is a form of savings, to

0:31:19.080 --> 0:31:23.160
<v Speaker 2>be honest. At the same time, though ten thousand dollars

0:31:23.280 --> 0:31:25.840
<v Speaker 2>isn't a you know, it's not a bad start for

0:31:25.880 --> 0:31:28.880
<v Speaker 2>an emergency fund. I don't. And in fact, if your

0:31:28.960 --> 0:31:32.000
<v Speaker 2>cost of living is such that that really is something

0:31:32.120 --> 0:31:35.120
<v Speaker 2>like you know, a year's worth of of you know,

0:31:35.160 --> 0:31:37.520
<v Speaker 2>monthly expenses or a half a year or whatever. It's

0:31:37.560 --> 0:31:40.880
<v Speaker 2>not a bad start at all. It really comes down

0:31:40.920 --> 0:31:43.320
<v Speaker 2>to take a look at what it takes you guys

0:31:43.320 --> 0:31:46.560
<v Speaker 2>to live. Add in this is what my financial planner

0:31:46.600 --> 0:31:49.720
<v Speaker 2>told me to do. Add in any additional cost for

0:31:49.800 --> 0:31:52.640
<v Speaker 2>the child. So kind of do a rough estimate of

0:31:52.680 --> 0:31:55.840
<v Speaker 2>things like food and oh my god, thousands of diapers

0:31:56.560 --> 0:32:00.160
<v Speaker 2>and childcare should you need childcare the first year and

0:32:00.200 --> 0:32:03.880
<v Speaker 2>add that to your your monthly you know, essentials in

0:32:03.960 --> 0:32:06.000
<v Speaker 2>terms of like here's what we need to live, and

0:32:06.040 --> 0:32:08.480
<v Speaker 2>then multiply that by she told us by a year,

0:32:08.720 --> 0:32:11.240
<v Speaker 2>by twelve months, and she said when you have a kid,

0:32:11.280 --> 0:32:14.800
<v Speaker 2>she really encourages people to have a fund save for

0:32:14.920 --> 0:32:17.520
<v Speaker 2>a full year. And for us, I was a certain number.

0:32:17.520 --> 0:32:19.920
<v Speaker 2>For you guys might be a little bit different. That

0:32:20.040 --> 0:32:22.480
<v Speaker 2>being said, you know, ten k' is a good start.

0:32:22.880 --> 0:32:25.480
<v Speaker 2>I want to I want to say, paying off your

0:32:25.480 --> 0:32:27.560
<v Speaker 2>debt is just going to make you feel so much

0:32:27.600 --> 0:32:31.240
<v Speaker 2>more prepared for the baby. This year, I told you, guys,

0:32:31.240 --> 0:32:32.880
<v Speaker 2>you know, we had a we had a zero percent

0:32:32.920 --> 0:32:34.600
<v Speaker 2>interest credit card that we used for a lot of

0:32:34.600 --> 0:32:36.840
<v Speaker 2>stuff for the house that we were chipping a. We

0:32:36.880 --> 0:32:38.360
<v Speaker 2>had a plan to chip it away but as soon

0:32:38.400 --> 0:32:40.800
<v Speaker 2>as I got pregnant, that car drove me nuts. I

0:32:40.880 --> 0:32:43.760
<v Speaker 2>hated it, and I was not happy until that car

0:32:43.920 --> 0:32:45.920
<v Speaker 2>was done. And we finished it like six minutes early,

0:32:46.440 --> 0:32:49.320
<v Speaker 2>six months early, and it just gave me peace of

0:32:49.360 --> 0:32:52.840
<v Speaker 2>mind to have that out of the way. I don't

0:32:52.880 --> 0:32:55.280
<v Speaker 2>have a five to two nine plan setup. I don't

0:32:55.320 --> 0:32:58.600
<v Speaker 2>have an investment fund for my future child at all.

0:32:59.080 --> 0:33:04.320
<v Speaker 2>We're focusing on and we're focusing on almost, We're not almost.

0:33:04.480 --> 0:33:07.080
<v Speaker 2>We're focusing on increasing our emergency fund, a factor in

0:33:07.080 --> 0:33:10.160
<v Speaker 2>the additional cost of childcare, which we hopefully won't have

0:33:10.200 --> 0:33:13.160
<v Speaker 2>to pay for next year, but for twenty twenty. And

0:33:13.200 --> 0:33:16.280
<v Speaker 2>that's the focus for now, just that cash fund. And

0:33:16.320 --> 0:33:19.080
<v Speaker 2>I think, you know, I think I have time. I'm

0:33:19.120 --> 0:33:21.600
<v Speaker 2>not putting so much pressure on myself to have an

0:33:21.600 --> 0:33:24.640
<v Speaker 2>investment fund set up. Maybe I'll start one just so

0:33:24.680 --> 0:33:27.840
<v Speaker 2>that the grandparents can start contributing to it, but I'm

0:33:27.880 --> 0:33:32.240
<v Speaker 2>more I'm I would be more worried about the fund

0:33:32.560 --> 0:33:35.480
<v Speaker 2>that will support our family if the worst happens, you know,

0:33:35.480 --> 0:33:38.320
<v Speaker 2>if our income goes away, so we won't have to

0:33:38.320 --> 0:33:42.480
<v Speaker 2>rely on credit cards and other loans and the all

0:33:42.480 --> 0:33:45.160
<v Speaker 2>the fancy and you know, investment funds and stuff that

0:33:45.200 --> 0:33:48.320
<v Speaker 2>can come a little bit later. It'll be it'll be fine.

0:33:48.720 --> 0:33:50.520
<v Speaker 2>That's my philosophy. But I'm not thinking.

0:33:51.160 --> 0:33:54.280
<v Speaker 1>Fancy, right because one of the things I'm like looking into,

0:33:54.360 --> 0:33:56.440
<v Speaker 1>like I'm like, you know, like a simple target date

0:33:56.480 --> 0:33:59.160
<v Speaker 1>fund for like your you know, like this is like

0:33:59.200 --> 0:34:02.280
<v Speaker 1>a so not for like currently for the baby, but

0:34:02.360 --> 0:34:03.640
<v Speaker 1>like if you're like, you know what we want to

0:34:03.840 --> 0:34:06.320
<v Speaker 1>put aside one hundred bucks a month, and you know,

0:34:06.920 --> 0:34:09.719
<v Speaker 1>target date funds usually, so usually target date funds are

0:34:09.760 --> 0:34:12.719
<v Speaker 1>typically for like retirement, but they don't have to be right,

0:34:12.760 --> 0:34:15.200
<v Speaker 1>so you can do just a regular investment target date

0:34:15.280 --> 0:34:19.000
<v Speaker 1>fund for your child. So you're like, oh, my child

0:34:19.080 --> 0:34:21.839
<v Speaker 1>is one or two or ten or whatever, and then

0:34:21.920 --> 0:34:25.360
<v Speaker 1>you choose the target date and usually they're like usually

0:34:25.400 --> 0:34:28.239
<v Speaker 1>the like say it's like Vanguard, they'll have the target date.

0:34:28.239 --> 0:34:31.040
<v Speaker 1>They'll actually say two thousand and sixty five, two thousand

0:34:31.040 --> 0:34:34.279
<v Speaker 1>and seventy, so usually it's like five year increments. And

0:34:34.360 --> 0:34:37.759
<v Speaker 1>so you'll say, like, okay, maybe the target date fund,

0:34:37.800 --> 0:34:40.960
<v Speaker 1>you're wanting it for college, so you add, you know,

0:34:41.560 --> 0:34:43.840
<v Speaker 1>your child is one, so you're like, okay, in eighteen

0:34:43.920 --> 0:34:47.279
<v Speaker 1>years or fifteen years or whatever. You know, I want

0:34:47.280 --> 0:34:50.960
<v Speaker 1>to have access to this money, but not even I

0:34:51.000 --> 0:34:53.279
<v Speaker 1>want access, because if it's a regular investment account, you

0:34:53.320 --> 0:34:55.600
<v Speaker 1>can always have access. But what it does is that

0:34:56.000 --> 0:35:00.000
<v Speaker 1>you know you can put money in their monthly or

0:35:00.080 --> 0:35:02.560
<v Speaker 1>or when however often that you want. And what's so

0:35:02.600 --> 0:35:04.840
<v Speaker 1>great about a target date fund is that every balance

0:35:04.920 --> 0:35:08.839
<v Speaker 1>is itself at least once a year based upon the

0:35:08.880 --> 0:35:11.640
<v Speaker 1>age of the person, well not so much the age

0:35:11.680 --> 0:35:14.239
<v Speaker 1>of the person, but of when the actual target date is.

0:35:14.280 --> 0:35:17.040
<v Speaker 1>Because the closer you get to the target date, the

0:35:17.120 --> 0:35:20.839
<v Speaker 1>less risky your investments get. So in the beginning, if

0:35:20.880 --> 0:35:23.080
<v Speaker 1>your target date is twenty years away, you're likely going

0:35:23.120 --> 0:35:27.080
<v Speaker 1>to be more heavily invested into stocks, and the closer

0:35:27.080 --> 0:35:28.960
<v Speaker 1>you get to the target date, it's probably going to

0:35:29.000 --> 0:35:31.799
<v Speaker 1>be closer closer and more heavily invested into bonds. But

0:35:31.840 --> 0:35:33.560
<v Speaker 1>you don't have to worry about all that. You're just

0:35:33.600 --> 0:35:35.879
<v Speaker 1>putting your two hundred bucks a month in and it's

0:35:35.920 --> 0:35:39.040
<v Speaker 1>going to invest for you and balance itself for you,

0:35:39.360 --> 0:35:41.720
<v Speaker 1>and by the time your kid is fifteen or eighteen

0:35:41.840 --> 0:35:45.000
<v Speaker 1>or whatever, you have like this money that you set aside,

0:35:45.040 --> 0:35:47.520
<v Speaker 1>and it's done better than a savings account, and you

0:35:47.560 --> 0:35:50.680
<v Speaker 1>didn't have to worry about like shifting around investments because

0:35:50.680 --> 0:35:53.080
<v Speaker 1>it's done it for you. So I tell people, putting

0:35:53.080 --> 0:35:54.719
<v Speaker 1>money in the target date fund is just as easy

0:35:54.760 --> 0:35:56.480
<v Speaker 1>as putting money in a savings account, So why not

0:35:56.520 --> 0:36:01.000
<v Speaker 1>just do that, you know, But that's for like I said,

0:36:01.040 --> 0:36:04.279
<v Speaker 1>for long term stay, long term growth and investment for

0:36:04.320 --> 0:36:04.760
<v Speaker 1>your baby.

0:36:05.239 --> 0:36:07.040
<v Speaker 2>And the thing with the five two nine plan tree

0:36:07.080 --> 0:36:10.160
<v Speaker 2>member is that you know you could only use those

0:36:10.200 --> 0:36:14.120
<v Speaker 2>expenses for education. You can. You can now use it

0:36:14.160 --> 0:36:15.839
<v Speaker 2>to pay for K through twelve, like if you want

0:36:15.880 --> 0:36:17.440
<v Speaker 2>to send them to a private school, it can help

0:36:17.440 --> 0:36:20.879
<v Speaker 2>pay for that tuition. But still, like if you if

0:36:20.920 --> 0:36:23.040
<v Speaker 2>your kid doesn't go to college, you have to find

0:36:23.080 --> 0:36:25.440
<v Speaker 2>another way to use that money for education. You can't.

0:36:26.239 --> 0:36:28.600
<v Speaker 2>It's the only way you can transfer it to another child,

0:36:29.080 --> 0:36:31.360
<v Speaker 2>and it's kind of anyway. So that's that's the downside.

0:36:31.400 --> 0:36:32.839
<v Speaker 2>So I agree. I mean, if you're going to try

0:36:32.880 --> 0:36:35.719
<v Speaker 2>and invest, you could just open an iray, you know,

0:36:35.880 --> 0:36:38.480
<v Speaker 2>or a brokerage account or whatnot and start investing that

0:36:38.520 --> 0:36:41.120
<v Speaker 2>way for your kid. There's a lot of good articles

0:36:41.160 --> 0:36:43.520
<v Speaker 2>out there on like pros and cons of you know,

0:36:43.560 --> 0:36:46.160
<v Speaker 2>of roth iray versus a five two nine plan. And

0:36:46.360 --> 0:36:48.160
<v Speaker 2>I'll try and share some links in the show notes

0:36:48.200 --> 0:36:48.720
<v Speaker 2>for you guys.

0:36:49.320 --> 0:36:51.400
<v Speaker 1>Yeah, I'm so nervous about by two nine plans right

0:36:51.360 --> 0:36:52.920
<v Speaker 1>because I'm just like, oh, what if my kid, I mean,

0:36:52.960 --> 0:36:54.160
<v Speaker 1>even though I know you can use it for like

0:36:54.360 --> 0:36:56.759
<v Speaker 1>education now, like you know, but I'm like, what if

0:36:56.760 --> 0:36:58.480
<v Speaker 1>I you know, who knows what college is going to be?

0:36:58.960 --> 0:37:02.280
<v Speaker 2>Am I selfish for thinking that? Sorry to interrupt you, Okay,

0:37:02.440 --> 0:37:04.479
<v Speaker 2>Am I selfish for thinking all we do is interrut

0:37:04.480 --> 0:37:05.879
<v Speaker 2>each other? What are we talking? What am I talking about?

0:37:07.480 --> 0:37:13.000
<v Speaker 2>Talk over each other the whole time? Anyway? Politely? I

0:37:13.000 --> 0:37:16.680
<v Speaker 2>I part of me is like, I'd rather isn't my

0:37:16.760 --> 0:37:19.160
<v Speaker 2>kid gonna be a genius? Won't they get scholarships? Like

0:37:19.560 --> 0:37:21.120
<v Speaker 2>you know, I figured out how to pay for school.

0:37:21.160 --> 0:37:22.920
<v Speaker 2>I part of me is sort of like, I'm not

0:37:23.000 --> 0:37:27.640
<v Speaker 2>so worried about, you know, completely financing I'm not. I

0:37:27.719 --> 0:37:31.440
<v Speaker 2>just won't completely finance college education. I mean there are

0:37:31.480 --> 0:37:33.720
<v Speaker 2>other I just know there's so many ways, or hopefully

0:37:33.719 --> 0:37:36.240
<v Speaker 2>there will still be ways for to you know, subsidize

0:37:36.280 --> 0:37:38.040
<v Speaker 2>the cost of education if you get good grades and

0:37:38.080 --> 0:37:39.880
<v Speaker 2>you look for scholarship opportunities, Like I don't want to.

0:37:40.360 --> 0:37:41.960
<v Speaker 2>I don't want to put that pressure all on me

0:37:42.080 --> 0:37:45.560
<v Speaker 2>and and part of my part of the you know,

0:37:45.600 --> 0:37:47.360
<v Speaker 2>the way that I was that I was raised, you know,

0:37:47.440 --> 0:37:50.680
<v Speaker 2>my I I grew up financially insecure for my parents,

0:37:50.719 --> 0:37:53.080
<v Speaker 2>Like I was really worried all the time. But my parents'

0:37:53.080 --> 0:37:55.880
<v Speaker 2>finances I still am. It's something that still worries me,

0:37:55.920 --> 0:37:58.480
<v Speaker 2>and I feel like I need to be financially It

0:37:58.600 --> 0:38:01.440
<v Speaker 2>drives a lot of my motivation for being financially independent.

0:38:02.440 --> 0:38:04.759
<v Speaker 2>Part of me, like when I think about what I

0:38:04.760 --> 0:38:07.600
<v Speaker 2>want to give my child, the gift to them that

0:38:07.640 --> 0:38:10.120
<v Speaker 2>they probably will never appreciate, but I will because what

0:38:10.160 --> 0:38:12.480
<v Speaker 2>I went through. I want to give them the knowledge

0:38:12.480 --> 0:38:14.960
<v Speaker 2>that mom and Dad are okay, Like the knowledge that

0:38:15.000 --> 0:38:17.640
<v Speaker 2>we are financially sound. They don't have to worry about us.

0:38:18.120 --> 0:38:19.960
<v Speaker 2>All they have to do is worry about themselves. And

0:38:20.000 --> 0:38:22.880
<v Speaker 2>I so when I'm approaching my future financially and I

0:38:22.960 --> 0:38:25.520
<v Speaker 2>kind of talk to my financial advisor about this and

0:38:25.560 --> 0:38:27.960
<v Speaker 2>my therapist a little bit, but I want to make

0:38:27.960 --> 0:38:30.279
<v Speaker 2>sure that my husband, like we are right, you know,

0:38:30.400 --> 0:38:33.280
<v Speaker 2>that our finances are in good shape, that our lives

0:38:33.280 --> 0:38:36.000
<v Speaker 2>are rich and whole. And maybe it makes me sound

0:38:36.040 --> 0:38:37.840
<v Speaker 2>selfish and maybe I'm not articulating it right but do

0:38:37.840 --> 0:38:40.799
<v Speaker 2>you kind of get what I'm saying? Like I want

0:38:40.800 --> 0:38:43.480
<v Speaker 2>to set a really good financial foundation for us, so

0:38:43.560 --> 0:38:46.960
<v Speaker 2>that my kid can succeed on their own merit and

0:38:47.000 --> 0:38:49.920
<v Speaker 2>not have to worry about us later. Am I a

0:38:50.000 --> 0:38:50.600
<v Speaker 2>terrible parent?

0:38:50.640 --> 0:38:52.839
<v Speaker 1>Now? No? No, because I does. I feel like that's

0:38:52.880 --> 0:38:56.759
<v Speaker 1>how That's how Superman feels. Because here's the thing. To me,

0:38:56.880 --> 0:38:58.960
<v Speaker 1>the best gift a parent can give a child is

0:38:59.000 --> 0:39:01.400
<v Speaker 1>not to be right now actually dependent on them when

0:39:01.440 --> 0:39:02.000
<v Speaker 1>they get older.

0:39:02.480 --> 0:39:04.600
<v Speaker 2>Yeah, And I think the only reason I'm successful is

0:39:04.600 --> 0:39:06.160
<v Speaker 2>because I really I knew I did not have a

0:39:06.239 --> 0:39:08.319
<v Speaker 2>damn safety net. There was no net waiting for me.

0:39:08.440 --> 0:39:10.960
<v Speaker 2>I had to I had to do it, and I don't.

0:39:11.239 --> 0:39:13.400
<v Speaker 2>And kids who grow up with that sense of comfort

0:39:13.840 --> 0:39:16.200
<v Speaker 2>that there's going to be someone, you know, to pick

0:39:16.239 --> 0:39:18.360
<v Speaker 2>them up, or some money to fall back on, or

0:39:18.360 --> 0:39:20.959
<v Speaker 2>some inheritance, I just don't think they try as hard.

0:39:21.040 --> 0:39:24.600
<v Speaker 2>Maybe that's a bad stereotype, but that's that's where my

0:39:24.640 --> 0:39:25.840
<v Speaker 2>head's out. What do you think.

0:39:27.280 --> 0:39:29.200
<v Speaker 1>I think? I mean, I don't think there's anything wrong

0:39:29.239 --> 0:39:32.080
<v Speaker 1>with that. I mean, I I'm really I was always

0:39:32.080 --> 0:39:34.239
<v Speaker 1>really if it was good to know. I mean up

0:39:34.320 --> 0:39:36.560
<v Speaker 1>until like really like recently that I didn't have to

0:39:36.560 --> 0:39:39.000
<v Speaker 1>worry about my parents financially. Then my mom retired like

0:39:39.040 --> 0:39:41.680
<v Speaker 1>a little earlier than anticipated, and then there was a

0:39:41.680 --> 0:39:43.319
<v Speaker 1>little bit of stress there because we were like, Okay,

0:39:43.320 --> 0:39:45.319
<v Speaker 1>so how are we going to help them manage so

0:39:46.160 --> 0:39:49.399
<v Speaker 1>because here's the thing. Your kid figuring out college when

0:39:49.400 --> 0:39:51.839
<v Speaker 1>they're eighteen, ninet to twenty, they have many years ahead

0:39:51.840 --> 0:39:54.360
<v Speaker 1>of them. If by the time they're in college, you

0:39:54.440 --> 0:39:59.080
<v Speaker 1>used to be winding down and figuring out your own retirement.

0:39:59.520 --> 0:40:01.880
<v Speaker 1>And if you're if they're now thinking like, well, how

0:40:01.880 --> 0:40:03.399
<v Speaker 1>am I going to manage my life now? I also

0:40:03.400 --> 0:40:06.080
<v Speaker 1>got to take care of my parents financially. No, put

0:40:06.120 --> 0:40:08.560
<v Speaker 1>your mask on first. I really if you had to

0:40:08.600 --> 0:40:12.160
<v Speaker 1>choose between your child's college education and your retirement, I

0:40:12.200 --> 0:40:15.680
<v Speaker 1>say hands them always your retirement because college educations can

0:40:15.719 --> 0:40:18.839
<v Speaker 1>be figured out a myriad of ways. Your retirement. You know,

0:40:19.000 --> 0:40:21.080
<v Speaker 1>you don't want to be like, I've got five years left.

0:40:21.080 --> 0:40:23.839
<v Speaker 1>We got to make a miracle happen, Like no, no, no, no,

0:40:24.000 --> 0:40:25.680
<v Speaker 1>put your mask on first, just like they tell you

0:40:25.719 --> 0:40:26.160
<v Speaker 1>on a flight.

0:40:27.400 --> 0:40:29.239
<v Speaker 2>That's kind of what I'm getting at. Yeah, so just

0:40:29.280 --> 0:40:32.120
<v Speaker 2>making sure that you're financially signing to the listener who

0:40:32.160 --> 0:40:33.960
<v Speaker 2>asked about the baby fund. You know, they have this

0:40:34.120 --> 0:40:37.640
<v Speaker 2>debt that's weighing on them. You know, setting your kid

0:40:37.719 --> 0:40:39.520
<v Speaker 2>up so that you guys don't have debt is sort

0:40:39.520 --> 0:40:42.040
<v Speaker 2>of a gift in and of itself, and at least

0:40:42.040 --> 0:40:45.480
<v Speaker 2>you know you have a decent enough emergency fund to handle,

0:40:45.880 --> 0:40:48.120
<v Speaker 2>you know, a few setbacks, and it's not like you're

0:40:48.160 --> 0:40:51.319
<v Speaker 2>completely being vulnerable. So paying off that debt and then

0:40:51.360 --> 0:40:54.640
<v Speaker 2>trying to replenish or keep adding to your emergency fund

0:40:54.640 --> 0:40:57.640
<v Speaker 2>to the point where you you know, get to get

0:40:57.680 --> 0:40:59.960
<v Speaker 2>it beefed up now that you have the additional expense

0:41:00.120 --> 0:41:02.719
<v Speaker 2>of a kid coming, I think that's a fair priority

0:41:02.840 --> 0:41:05.959
<v Speaker 2>versus putting money into a college fund. You know you can,

0:41:06.440 --> 0:41:10.200
<v Speaker 2>It's on my list that would probably come third. But

0:41:10.280 --> 0:41:12.319
<v Speaker 2>if you're truly worried about it, you can do what

0:41:12.360 --> 0:41:15.000
<v Speaker 2>I did, which is, you know, chat with a financial

0:41:15.040 --> 0:41:18.319
<v Speaker 2>advisor and they can kind of help honestly verify what

0:41:18.360 --> 0:41:21.520
<v Speaker 2>you already know sometimes but point you in in the

0:41:21.560 --> 0:41:24.400
<v Speaker 2>right direction for for the near future.

0:41:40.800 --> 0:41:43.960
<v Speaker 1>So now it's time to do just to break with

0:41:44.160 --> 0:41:48.600
<v Speaker 1>all our b a family, were gonna booth, were gonna break.

0:41:48.960 --> 0:41:49.600
<v Speaker 1>What we're gonna do.

0:41:49.680 --> 0:41:55.000
<v Speaker 2>Mandy, you always set me up, even though we know

0:41:55.040 --> 0:41:57.680
<v Speaker 2>Tiffany also rhymes that's ship.

0:41:57.760 --> 0:41:59.120
<v Speaker 1>Well, I don't want to say, well, we're gonna do

0:41:59.160 --> 0:42:00.120
<v Speaker 1>Tiffany because it's.

0:42:00.080 --> 0:42:03.040
<v Speaker 2>Like, you know, I'm leave so convenient.

0:42:04.000 --> 0:42:07.440
<v Speaker 1>No, I'm trying to think I got another brown ambish

0:42:07.480 --> 0:42:10.359
<v Speaker 1>and running. What was it? Girl? I want to tell

0:42:10.360 --> 0:42:11.800
<v Speaker 1>you in these streets, they're.

0:42:11.600 --> 0:42:12.640
<v Speaker 2>Loving this podcast.

0:42:13.000 --> 0:42:15.600
<v Speaker 1>It's so awesome for people to want to be like,

0:42:16.480 --> 0:42:19.080
<v Speaker 1>I love you, I love Mandy, I love the podcast.

0:42:19.160 --> 0:42:22.280
<v Speaker 1>Or they'll say something podcasting and I'm like, you listen

0:42:23.000 --> 0:42:24.800
<v Speaker 1>because I amach feel like it's just me and you talking,

0:42:25.239 --> 0:42:28.279
<v Speaker 1>and I'm like, oh, people listen. So that's been happening

0:42:28.280 --> 0:42:32.880
<v Speaker 1>a lot lately. So yeah. Literally, a woman ran up

0:42:32.880 --> 0:42:34.399
<v Speaker 1>to me and she gave me a hug and was like, oh,

0:42:34.400 --> 0:42:36.080
<v Speaker 1>oh I forgot. I forgot, And that's how I knew

0:42:36.080 --> 0:42:37.560
<v Speaker 1>instantly she was like a listener.

0:42:39.480 --> 0:42:41.960
<v Speaker 2>So are you saying that you love hugs now and

0:42:42.000 --> 0:42:45.600
<v Speaker 2>you will accept them on the street. No, that's what

0:42:45.600 --> 0:42:46.120
<v Speaker 2>you're saying.

0:42:46.680 --> 0:42:49.920
<v Speaker 1>I don't hate hugs. I don't hate hugs because dreamcatchers

0:42:49.960 --> 0:42:51.160
<v Speaker 1>are not creepy. I have to say I haven't met

0:42:51.200 --> 0:42:54.279
<v Speaker 1>anyone that's made me feel like girl, but women tend

0:42:54.320 --> 0:42:57.640
<v Speaker 1>not to be creepy, thankfully, so so no, I don't

0:42:57.680 --> 0:42:59.759
<v Speaker 1>hate hugs. I mean, hugs are not my fabe, but

0:42:59.800 --> 0:43:02.839
<v Speaker 1>you are definitely warming me up. And honestly, I do

0:43:02.880 --> 0:43:04.680
<v Speaker 1>love the love. That's one thing I do love. It's

0:43:04.719 --> 0:43:06.799
<v Speaker 1>just I love how much you know you guys are

0:43:06.880 --> 0:43:08.600
<v Speaker 1>like and then it'll be funny because they're like and

0:43:08.600 --> 0:43:12.640
<v Speaker 1>this one's for bandy, Like, Okay.

0:43:12.200 --> 0:43:14.000
<v Speaker 2>I'll take a hug, just don't rub my bump.

0:43:14.760 --> 0:43:17.080
<v Speaker 1>Yeah, that is so rude. So if you don't mind,

0:43:17.239 --> 0:43:19.279
<v Speaker 1>I can. I can go back if you want me to.

0:43:20.080 --> 0:43:24.080
<v Speaker 2>That's fine. I'll go first, just to be fair. It's cool.

0:43:25.200 --> 0:43:27.279
<v Speaker 2>My I don't know all I can think, and I

0:43:27.320 --> 0:43:29.799
<v Speaker 2>was kind of trying to tell Tiffany this all I

0:43:29.840 --> 0:43:32.040
<v Speaker 2>can think right now. And I knew after the baby

0:43:32.080 --> 0:43:34.480
<v Speaker 2>shower it would kind of be like it was like

0:43:34.520 --> 0:43:36.160
<v Speaker 2>the thing I was looking forward to, and then as

0:43:36.200 --> 0:43:38.319
<v Speaker 2>soon as it ended, it would be like the other

0:43:38.440 --> 0:43:40.560
<v Speaker 2>side of the baby shower. We feel so much closer

0:43:40.600 --> 0:43:43.000
<v Speaker 2>to the fact that baby's coming soon. So I'm down

0:43:43.000 --> 0:43:47.839
<v Speaker 2>to five weeks and I am something has I've done

0:43:47.840 --> 0:43:49.640
<v Speaker 2>all this prep and I keep trying. I've been done

0:43:49.680 --> 0:43:52.200
<v Speaker 2>all this prep work. I've been seeing my therapist who

0:43:52.239 --> 0:43:55.279
<v Speaker 2>specializes with new moms. I've been you know, working on

0:43:55.320 --> 0:43:58.279
<v Speaker 2>my transition plan for work, and something about this week,

0:43:58.360 --> 0:44:00.279
<v Speaker 2>I just feel like I don't have enough time, Like

0:44:00.320 --> 0:44:02.759
<v Speaker 2>I'm starting to get a little frazzled. I'm starting to

0:44:02.800 --> 0:44:05.680
<v Speaker 2>get anxious. I'm texting my husband like he's like, what's

0:44:05.680 --> 0:44:08.279
<v Speaker 2>wrong with you? Relax? And I'm just like, we don't

0:44:08.320 --> 0:44:10.440
<v Speaker 2>have the right basinet yet. We don't have this, we

0:44:10.440 --> 0:44:14.080
<v Speaker 2>don't have that, and I I don't know. Maybe it's

0:44:14.160 --> 0:44:16.680
<v Speaker 2>just I don't know the fact that I'm far along

0:44:16.680 --> 0:44:20.320
<v Speaker 2>in my pregnancy, but I'm I don't know how to

0:44:19.880 --> 0:44:21.919
<v Speaker 2>I need to get a grip. I need to get

0:44:22.040 --> 0:44:24.880
<v Speaker 2>a massive grip. So my boost or sorry, my break

0:44:24.960 --> 0:44:27.960
<v Speaker 2>is just for my own anxiety. And I was just

0:44:27.960 --> 0:44:30.080
<v Speaker 2>trying to give myself a pep talk after I got

0:44:30.120 --> 0:44:32.360
<v Speaker 2>off work and be like, listen, if you were a girlfriend,

0:44:32.719 --> 0:44:34.879
<v Speaker 2>you would remind them of all the steps they've taken

0:44:34.920 --> 0:44:36.840
<v Speaker 2>to be prepared for this baby, and you would not

0:44:36.880 --> 0:44:39.359
<v Speaker 2>be freaking out like you are. But I am. It's

0:44:39.400 --> 0:44:41.839
<v Speaker 2>like and I was at a meeting today at work

0:44:41.920 --> 0:44:44.560
<v Speaker 2>and it was this like women and leadership at my

0:44:44.640 --> 0:44:46.919
<v Speaker 2>company kind of pow wow, And I kind of went

0:44:46.960 --> 0:44:49.080
<v Speaker 2>off on them because I felt like I'm not super

0:44:49.080 --> 0:44:53.240
<v Speaker 2>supported with all the maternity leave stuff at my company,

0:44:53.320 --> 0:44:56.480
<v Speaker 2>Like it's a little convoluted, it's a little confusing, and

0:44:56.520 --> 0:44:58.200
<v Speaker 2>I'm looking at my calendar and I'm like, I only

0:44:58.200 --> 0:45:01.120
<v Speaker 2>have a month left to figure out my my, my

0:45:01.600 --> 0:45:04.640
<v Speaker 2>benefit plan and all that kind of stuff. And I mean,

0:45:04.640 --> 0:45:06.680
<v Speaker 2>it was probably good for me to give them that feedback,

0:45:06.680 --> 0:45:10.480
<v Speaker 2>but it's just little things like that I are just

0:45:10.520 --> 0:45:13.239
<v Speaker 2>not like totally figured out. And I don't have a

0:45:13.239 --> 0:45:15.359
<v Speaker 2>pediatrician yet, and I know I was supposed to do

0:45:15.400 --> 0:45:19.040
<v Speaker 2>that by now. And anyway, I'm sure this is just

0:45:19.080 --> 0:45:21.520
<v Speaker 2>like coming off as rambling, but I'm going a little

0:45:21.600 --> 0:45:24.879
<v Speaker 2>Nutso so maybe you guys can help me. And if

0:45:24.920 --> 0:45:26.759
<v Speaker 2>you were going to give me, like what are the

0:45:26.920 --> 0:45:28.680
<v Speaker 2>what are like the five things I can do this

0:45:28.760 --> 0:45:32.320
<v Speaker 2>week that will make me feel less insane, like less

0:45:32.600 --> 0:45:38.839
<v Speaker 2>ill prepared? You did that mom box is legit. I've

0:45:38.880 --> 0:45:40.960
<v Speaker 2>had moms. I had a couple of moms visiting me,

0:45:41.360 --> 0:45:43.839
<v Speaker 2>like friends of mine, and they were like going, they

0:45:43.840 --> 0:45:46.000
<v Speaker 2>were like, this is perfect for new moms.

0:45:47.000 --> 0:45:49.799
<v Speaker 1>I was, so, you have no idea. I was like researching, researching.

0:45:50.000 --> 0:45:52.319
<v Speaker 1>I was asking I had asked all the unicorn moms

0:45:52.320 --> 0:45:54.160
<v Speaker 1>because we have, like come, just had a baby less

0:45:54.200 --> 0:45:57.440
<v Speaker 1>a year ago, Tamper's baby's like two, we have like

0:45:57.640 --> 0:46:00.200
<v Speaker 1>so I was just asking all these moms and they

0:46:00.239 --> 0:46:02.200
<v Speaker 1>were giving me like a list of things like girl

0:46:02.760 --> 0:46:07.680
<v Speaker 1>nipple cream and and I vaguely remember like a year ago.

0:46:08.320 --> 0:46:10.200
<v Speaker 1>I was like, wait, there was like a box that

0:46:10.280 --> 0:46:12.960
<v Speaker 1>had like all of this stuff that you wouldn't think

0:46:13.000 --> 0:46:14.880
<v Speaker 1>that you knew, because I was like, you're gonna get

0:46:14.960 --> 0:46:17.319
<v Speaker 1>enough onesies, enough, like because I brought at first, I

0:46:17.320 --> 0:46:19.000
<v Speaker 1>bought this cute and I'm still gonna send it to you,

0:46:19.000 --> 0:46:21.960
<v Speaker 1>but I bought this cute little like elephant blanket with

0:46:22.000 --> 0:46:24.280
<v Speaker 1>a little elephant attached to this all. But and I'm like, okay,

0:46:24.280 --> 0:46:27.719
<v Speaker 1>but man's gonna have ten thousand of these like cute

0:46:27.760 --> 0:46:29.880
<v Speaker 1>little things. But like, what about for you?

0:46:30.480 --> 0:46:32.839
<v Speaker 2>And ice packed from my vagina?

0:46:33.040 --> 0:46:34.319
<v Speaker 1>For real? What about that?

0:46:34.400 --> 0:46:36.919
<v Speaker 2>Because I opened that and I was like, yes, yes,

0:46:37.239 --> 0:46:39.880
<v Speaker 2>I will be split in half. You're right, I do

0:46:40.040 --> 0:46:44.320
<v Speaker 2>need this vagina shape. I was so excited.

0:46:44.480 --> 0:46:47.040
<v Speaker 1>I was like wait, and so I googled like mom

0:46:47.160 --> 0:46:50.000
<v Speaker 1>survival kid, first time mom, and then mom mobs popped

0:46:50.040 --> 0:46:51.840
<v Speaker 1>up and that's what I remember. I remember, this is

0:46:51.840 --> 0:46:55.000
<v Speaker 1>what it was. So I got you one and Taylor,

0:46:55.160 --> 0:46:57.600
<v Speaker 1>you should have gotten it by now. Taylor, Well, you

0:46:57.640 --> 0:46:59.560
<v Speaker 1>know Taylor, Taylor Cathley. Do you know she's pregnant?

0:47:00.080 --> 0:47:00.799
<v Speaker 2>Wait, Taylor who?

0:47:01.520 --> 0:47:06.960
<v Speaker 1>Taylor or Taylor who? From Elevate she wrote for Oh,

0:47:07.000 --> 0:47:12.040
<v Speaker 1>Taylor Warden cong Taylor Hay she knew about around the

0:47:12.040 --> 0:47:16.440
<v Speaker 1>same time. And yes, I think she's moving to Germany.

0:47:16.480 --> 0:47:19.960
<v Speaker 1>I don't know. It's a lot anyway, I said, I

0:47:20.040 --> 0:47:23.439
<v Speaker 1>sent Taylor a mom box as well, because so many

0:47:23.480 --> 0:47:28.680
<v Speaker 1>moms were like I remember when when Drina had Gabe

0:47:29.120 --> 0:47:33.640
<v Speaker 1>and my sister Carol had just had whoever came first,

0:47:33.880 --> 0:47:36.680
<v Speaker 1>but they were like I remember her saying, girl, you

0:47:36.680 --> 0:47:39.160
<v Speaker 1>gotta ny nipple cream. Girl, you like all these random

0:47:39.200 --> 0:47:42.040
<v Speaker 1>things that you're like what, And so I just was

0:47:42.080 --> 0:47:44.120
<v Speaker 1>excited to get something that was gonna be for you

0:47:44.200 --> 0:47:46.560
<v Speaker 1>because there's gonna be plenty of things for baby, and

0:47:46.640 --> 0:47:49.160
<v Speaker 1>things that were really gonna be like yes, that were

0:47:49.160 --> 0:47:50.840
<v Speaker 1>really gonna be for real, that was really gonna be

0:47:50.840 --> 0:47:53.040
<v Speaker 1>like helpful like that. You were like I never even

0:47:53.080 --> 0:47:55.879
<v Speaker 1>thought of this, like I you know, like I didn't

0:47:55.920 --> 0:47:58.560
<v Speaker 1>realize like extra hospital underwear and all these kind of things.

0:47:58.600 --> 0:48:00.799
<v Speaker 1>So I was like, yeah, I'm so glad you like it.

0:48:00.800 --> 0:48:02.920
<v Speaker 2>It's perfect. And I was looking on the website. They

0:48:02.920 --> 0:48:05.200
<v Speaker 2>have one for people who are planning a C section

0:48:05.320 --> 0:48:08.479
<v Speaker 2>because they have all kinds of other issues. No, I really,

0:48:08.719 --> 0:48:10.480
<v Speaker 2>it's a it's a. It was such a sweet gift.

0:48:10.560 --> 0:48:10.920
<v Speaker 2>Thank you.

0:48:13.719 --> 0:48:16.080
<v Speaker 1>Andy got sent me some really beautiful flowers. Honestly, they

0:48:16.120 --> 0:48:16.879
<v Speaker 1>were gorgeous.

0:48:17.160 --> 0:48:19.279
<v Speaker 2>Oh good. It's hard because you don't get to see them,

0:48:19.360 --> 0:48:21.480
<v Speaker 2>so you know, I went local. It was someone that

0:48:21.520 --> 0:48:22.840
<v Speaker 2>it was a florist in Newark.

0:48:23.480 --> 0:48:25.320
<v Speaker 1>No, it was perfect. It was. They were so beautiful

0:48:25.320 --> 0:48:27.160
<v Speaker 1>that I ended up for the party making them like

0:48:27.200 --> 0:48:30.000
<v Speaker 1>a centerpiece and then getting other similar bouquets. And I

0:48:30.120 --> 0:48:32.240
<v Speaker 1>usually as a picture, like I want four other bouquets

0:48:32.280 --> 0:48:35.600
<v Speaker 1>for the tables. So they were like beautiful. And I

0:48:35.640 --> 0:48:37.920
<v Speaker 1>love autumn covers, so let's I love that stuff in here.

0:48:37.920 --> 0:48:40.960
<v Speaker 2>I know you guys are like, okay, no, you need

0:48:41.000 --> 0:48:43.440
<v Speaker 2>to hear me complain, but seriously, though, if you have

0:48:43.560 --> 0:48:45.440
<v Speaker 2>any tips or struct or you just want to tell me.

0:48:45.520 --> 0:48:45.719
<v Speaker 1>Girl.

0:48:45.760 --> 0:48:48.839
<v Speaker 2>I was freaking out too, and I survived. I feel

0:48:48.880 --> 0:48:51.879
<v Speaker 2>like we're prepared but it's just it's just it's coming, man.

0:48:52.400 --> 0:48:57.040
<v Speaker 2>Five weeks, five short weeks, or as everyone has been

0:48:57.040 --> 0:48:59.479
<v Speaker 2>telling me. I feel like everyone who ever delivered early

0:48:59.480 --> 0:49:01.200
<v Speaker 2>has been telling me their stories this week, and I'm like,

0:49:01.200 --> 0:49:03.000
<v Speaker 2>can you please not tell me these? I did not.

0:49:03.560 --> 0:49:05.839
<v Speaker 2>I've never entertained the idea of delivering early, but now

0:49:05.880 --> 0:49:07.840
<v Speaker 2>I'm freaking out that I'm just going to go into labor,

0:49:08.320 --> 0:49:10.239
<v Speaker 2>like on the flight home tomorrow, and then what am

0:49:10.280 --> 0:49:10.719
<v Speaker 2>I going to do?

0:49:11.560 --> 0:49:13.759
<v Speaker 1>I'll say this, so just remember this because I remember

0:49:13.760 --> 0:49:16.400
<v Speaker 1>when I went to go visit my sister and she,

0:49:17.120 --> 0:49:20.160
<v Speaker 1>you know, I had to tell her. Okay, so remember

0:49:20.200 --> 0:49:24.640
<v Speaker 1>that your husband is also a new parent, So just

0:49:24.719 --> 0:49:25.480
<v Speaker 1>keep that in mind.

0:49:26.040 --> 0:49:27.560
<v Speaker 2>What does that mean that they can help too?

0:49:28.400 --> 0:49:31.400
<v Speaker 1>No, but meaning that, like because she was snappish and

0:49:31.440 --> 0:49:35.480
<v Speaker 1>I was like, oh, be nice.

0:49:35.640 --> 0:49:38.799
<v Speaker 2>Oh at him? Oh yeah, he did have the audacity

0:49:38.840 --> 0:49:40.640
<v Speaker 2>to get sick this weekend, And I was like, mother,

0:49:40.960 --> 0:49:43.520
<v Speaker 2>what is wrong with you? Go get First of all,

0:49:43.600 --> 0:49:46.080
<v Speaker 2>hasn't gotten a flu shot yet, should have done that already.

0:49:46.120 --> 0:49:48.160
<v Speaker 2>Second of all, had the audacity to get ill. I

0:49:48.239 --> 0:49:49.960
<v Speaker 2>had to take care of him this weekend, and I'm like,

0:49:50.040 --> 0:49:53.720
<v Speaker 2>I would dare you can't you microwave for your own soup.

0:49:55.640 --> 0:49:57.040
<v Speaker 2>We don't have a best at that yet.

0:49:57.440 --> 0:50:01.680
<v Speaker 1>Like, just remember that that like gonna seem like it's

0:50:01.800 --> 0:50:03.920
<v Speaker 1>me against the world, and it's like, well, you know

0:50:04.000 --> 0:50:06.200
<v Speaker 1>you're not the only new parent in the mix, and

0:50:06.200 --> 0:50:10.000
<v Speaker 1>that you know that it's also scary and stressful and

0:50:10.040 --> 0:50:12.840
<v Speaker 1>everything for him too, And it's hard because you know,

0:50:12.920 --> 0:50:16.000
<v Speaker 1>especially if you're gonna breastfeed, it's really hard because you know,

0:50:16.239 --> 0:50:18.040
<v Speaker 1>like baby is like I don't know who that guy

0:50:18.120 --> 0:50:21.799
<v Speaker 1>is you with the boobs come here? And so that

0:50:21.840 --> 0:50:24.120
<v Speaker 1>part is like a little bit difficult because you know,

0:50:24.160 --> 0:50:26.000
<v Speaker 1>men want to help, but there's only so much when

0:50:26.000 --> 0:50:27.480
<v Speaker 1>babies are like do you have boobs? Okay?

0:50:27.480 --> 0:50:30.239
<v Speaker 2>Then go on you is this with me? Am I

0:50:30.239 --> 0:50:31.359
<v Speaker 2>feeling better after this?

0:50:31.520 --> 0:50:34.839
<v Speaker 1>Or I'm just like you know that, like it's gonna

0:50:34.840 --> 0:50:37.280
<v Speaker 1>be easy to be frustrated with him, but just understanding

0:50:37.280 --> 0:50:39.200
<v Speaker 1>that both of you are new parents, that you're not

0:50:39.280 --> 0:50:41.839
<v Speaker 1>the only new parent and so I.

0:50:41.840 --> 0:50:46.560
<v Speaker 2>Can't verbally abuse him. Got it.

0:50:48.000 --> 0:50:52.279
<v Speaker 1>For a minute, I was just like okay, dually knowing it.

0:50:52.400 --> 0:50:54.399
<v Speaker 1>But now honestly, it's so awesome, like to see them

0:50:54.840 --> 0:50:58.040
<v Speaker 1>like they're so like we visited them, they're so you know,

0:50:58.200 --> 0:51:00.359
<v Speaker 1>and like I said in the beginning, everyone's feing out

0:51:00.360 --> 0:51:02.320
<v Speaker 1>the babies like where am I? Where am I? Parents

0:51:02.360 --> 0:51:04.200
<v Speaker 1>are like who am I? Where am I? And then

0:51:04.680 --> 0:51:07.160
<v Speaker 1>it gels and then one day you're like, we got this.

0:51:07.320 --> 0:51:11.920
<v Speaker 2>So yeah, okay, thanks letting me, let me, let me

0:51:11.920 --> 0:51:12.759
<v Speaker 2>get off my chest.

0:51:13.719 --> 0:51:15.440
<v Speaker 1>And I was gonna be so in love honestly, like

0:51:15.520 --> 0:51:17.680
<v Speaker 1>I my niece and my nephews, I'm like, oh my god,

0:51:17.680 --> 0:51:21.520
<v Speaker 1>when they leave, I'm like totally, like I can't imagine,

0:51:21.560 --> 0:51:23.239
<v Speaker 1>like the love of your own child. You're going to

0:51:23.320 --> 0:51:26.279
<v Speaker 1>be like so in love, so that will outweigh any

0:51:26.360 --> 0:51:29.759
<v Speaker 1>other feeling of like fear and this and that and

0:51:29.920 --> 0:51:35.800
<v Speaker 1>you know, but yeah, blister, well did it have nipple

0:51:35.840 --> 0:51:37.279
<v Speaker 1>chapstick in there or whatever that is?

0:51:37.520 --> 0:51:39.799
<v Speaker 2>Nipple cream? Yes, thank you very much for that. I

0:51:39.840 --> 0:51:42.040
<v Speaker 2>put on my registry. People don't want touch that. Apparently.

0:51:44.680 --> 0:51:48.040
<v Speaker 1>I was like, I'm getting thank you.

0:51:47.400 --> 0:51:49.680
<v Speaker 2>My boob, say thank you in advance.

0:51:50.840 --> 0:51:53.319
<v Speaker 1>All right, So I am going to boost as well,

0:51:54.239 --> 0:51:57.880
<v Speaker 1>because like, I can't remember what the question was the

0:51:57.920 --> 0:52:01.120
<v Speaker 1>last time we recorded where, but I remember our answer

0:52:01.280 --> 0:52:05.400
<v Speaker 1>was about thinking audaciously and thinking big and practicing speaking

0:52:05.440 --> 0:52:08.920
<v Speaker 1>the thing you went out loud. So I spoke something

0:52:08.920 --> 0:52:12.000
<v Speaker 1>out loud during our last recording and it like came true,

0:52:12.000 --> 0:52:15.280
<v Speaker 1>and I was like, WHOA. So I didn't even remember

0:52:15.400 --> 0:52:17.479
<v Speaker 1>so what it was, I can't remember, Like I said,

0:52:17.480 --> 0:52:19.279
<v Speaker 1>whatever the question was, and I think, like I said,

0:52:19.280 --> 0:52:21.320
<v Speaker 1>the solution was, I said, say it out loud, speaking

0:52:21.400 --> 0:52:24.600
<v Speaker 1>out loud, think audaciously, and I said, my big, crazy, wild,

0:52:24.640 --> 0:52:28.680
<v Speaker 1>audacious goal is I have a children's book, Molly Moore,

0:52:28.719 --> 0:52:31.800
<v Speaker 1>that had written. The illustrations are done, we're just finishing

0:52:31.840 --> 0:52:35.680
<v Speaker 1>up the graphic design. So my big audacious goal was

0:52:35.960 --> 0:52:38.880
<v Speaker 1>Molly Moore, my children's book that I just finished writing,

0:52:38.920 --> 0:52:42.000
<v Speaker 1>my first one. For it to be a billion dollar business,

0:52:42.400 --> 0:52:44.799
<v Speaker 1>for it to have its own for Molly to have

0:52:44.840 --> 0:52:49.759
<v Speaker 1>her own TV show, merchandise, a book series, just like,

0:52:50.320 --> 0:52:53.080
<v Speaker 1>for basically Molly Moore to be the next door. That's

0:52:53.120 --> 0:52:57.160
<v Speaker 1>my big, crazy, audacious goal. So I said it as

0:52:57.200 --> 0:53:00.440
<v Speaker 1>an exercise to the BA listener that wrote in their

0:53:00.520 --> 0:53:02.560
<v Speaker 1>question about I guess how to think big, or something

0:53:02.600 --> 0:53:05.319
<v Speaker 1>to that effect. Don't you know somebody I won't say

0:53:05.360 --> 0:53:08.719
<v Speaker 1>the network. I'm sorry she's listening. Hey girl, don't you

0:53:08.760 --> 0:53:12.279
<v Speaker 1>know somebody from a huge, huge, huge I don't think

0:53:12.280 --> 0:53:14.000
<v Speaker 1>it's cable. I don't know what they call it because

0:53:14.000 --> 0:53:16.439
<v Speaker 1>I don't watch TV. A huge network reached out said,

0:53:16.880 --> 0:53:20.279
<v Speaker 1>heard about your book, interested in talking about you know,

0:53:20.280 --> 0:53:23.399
<v Speaker 1>potentially developing into a show, and I was like, wait,

0:53:23.400 --> 0:53:29.200
<v Speaker 1>what book A site, unseen book, unread all And it

0:53:29.239 --> 0:53:31.480
<v Speaker 1>was just such a good lesson that I'm here. I

0:53:31.560 --> 0:53:33.400
<v Speaker 1>am trying to teach a lesson to the b a listener,

0:53:33.440 --> 0:53:36.840
<v Speaker 1>and I'm learning a lesson for myself, because the truth is,

0:53:37.600 --> 0:53:39.400
<v Speaker 1>I said it about Molly Moore, but I don't know

0:53:39.440 --> 0:53:41.719
<v Speaker 1>if I really believed it. I was just saying it.

0:53:42.239 --> 0:53:45.320
<v Speaker 1>And what it did was I was learning the lesson myself.

0:53:45.360 --> 0:53:49.319
<v Speaker 1>And that's really my boost in that thinking and speaking

0:53:49.480 --> 0:53:52.840
<v Speaker 1>and acting audaciously really does work, and we as women

0:53:52.960 --> 0:53:56.120
<v Speaker 1>especially have to practice it because we are really taught

0:53:56.400 --> 0:54:00.600
<v Speaker 1>to remain small, to be polite, to take as little

0:54:00.640 --> 0:54:03.319
<v Speaker 1>space as possible in this world. And you don't have to.

0:54:03.719 --> 0:54:06.359
<v Speaker 1>There's nothing wrong if you're like you want something big

0:54:06.400 --> 0:54:09.480
<v Speaker 1>and huge and ginormous. You never know who's listening. So

0:54:10.520 --> 0:54:13.239
<v Speaker 1>I mean honestly, like literally she hit me up in

0:54:13.280 --> 0:54:16.800
<v Speaker 1>my in my in my ig DMS and literally said,

0:54:17.320 --> 0:54:20.399
<v Speaker 1>heard you on Brown Ambition, heard about your children's book.

0:54:20.960 --> 0:54:23.359
<v Speaker 1>I love financial education and what you're doing. Let's talk

0:54:23.360 --> 0:54:25.200
<v Speaker 1>about what it might look like to develop that into

0:54:25.200 --> 0:54:27.759
<v Speaker 1>a show. And I'm like, is this real life? Is

0:54:27.800 --> 0:54:28.440
<v Speaker 1>this real life?

0:54:28.640 --> 0:54:31.080
<v Speaker 2>I love it? So you never know who's listening when

0:54:31.120 --> 0:54:33.560
<v Speaker 2>you speak out loud too, and we have you know,

0:54:33.600 --> 0:54:36.040
<v Speaker 2>it's it's kind of like the importance of networking. When

0:54:36.040 --> 0:54:38.200
<v Speaker 2>we have this audience, we have the show, you never

0:54:38.200 --> 0:54:41.400
<v Speaker 2>know who's listening. So you know, by speaking, you just

0:54:41.520 --> 0:54:43.359
<v Speaker 2>you just throw it out there and you just never

0:54:43.440 --> 0:54:44.920
<v Speaker 2>know what's going to come back to you. So I

0:54:44.960 --> 0:54:46.560
<v Speaker 2>love that, that's the message.

0:54:47.320 --> 0:54:49.319
<v Speaker 1>Yeah, so that was just really great. Honestly, I just

0:54:49.320 --> 0:54:51.279
<v Speaker 1>felt really good about that, and I just I was

0:54:51.320 --> 0:54:54.239
<v Speaker 1>like I had to share because I wasn't expecting that,

0:54:54.719 --> 0:54:59.000
<v Speaker 1>and yeah, just now I'm all excited. And so one

0:54:59.000 --> 0:55:01.480
<v Speaker 1>of the things I've learned after ten years of business

0:55:01.640 --> 0:55:05.759
<v Speaker 1>is typically when an opportunity comes up like this, like

0:55:05.840 --> 0:55:11.799
<v Speaker 1>something big, it's usually it's usually the initial like the

0:55:11.840 --> 0:55:14.200
<v Speaker 1>initial thing is not the thing, it's like the thing

0:55:14.239 --> 0:55:16.520
<v Speaker 1>before the thing. That's what I call it, meaning like

0:55:16.640 --> 0:55:19.600
<v Speaker 1>it's there to say get ready. So it might take

0:55:20.440 --> 0:55:24.360
<v Speaker 1>a year before this relationship develops into something, or maybe

0:55:24.520 --> 0:55:26.920
<v Speaker 1>it'll be another network. I don't know, but I do

0:55:27.040 --> 0:55:29.719
<v Speaker 1>know that rarely when something big comes up, is it

0:55:29.840 --> 0:55:34.280
<v Speaker 1>the initial thing that it's usually the thing to say, Hey, Tiffany,

0:55:34.719 --> 0:55:38.400
<v Speaker 1>this thing is coming. This is a reminder get ready now.

0:55:38.480 --> 0:55:40.759
<v Speaker 1>So it's just like you know, and that's how I've

0:55:40.840 --> 0:55:44.200
<v Speaker 1>learned sometimes to manage disappointments, because sometimes you know something

0:55:44.239 --> 0:55:46.160
<v Speaker 1>will happen and it's like, oh, it didn't happen, and

0:55:46.200 --> 0:55:49.640
<v Speaker 1>that's not true. That thing was there to prepare me

0:55:49.760 --> 0:55:52.120
<v Speaker 1>for what was coming forth in the future. And so

0:55:52.360 --> 0:55:54.759
<v Speaker 1>just keeping that in mind too that oftentimes, you know,

0:55:54.800 --> 0:55:57.480
<v Speaker 1>it's easy to get disappointed when you don't get what

0:55:57.520 --> 0:55:59.719
<v Speaker 1>you want in your first go round, not realizing that

0:55:59.800 --> 0:56:02.239
<v Speaker 1>it wasn't there for that. It was merely just like

0:56:02.280 --> 0:56:06.000
<v Speaker 1>a like a flare gun being flared up to say, hey, here,

0:56:06.040 --> 0:56:08.520
<v Speaker 1>I am the thing that you're that you're wishing and

0:56:08.560 --> 0:56:11.400
<v Speaker 1>wanting and working toward. It's going to happen, but I

0:56:11.440 --> 0:56:13.640
<v Speaker 1>need you to like get in alignment.

0:56:13.239 --> 0:56:21.359
<v Speaker 2>Now, fingers crossed. I don't care having a boy. He's

0:56:21.360 --> 0:56:23.160
<v Speaker 2>gonna be a Molly Moore fan. I want the T shirt,

0:56:23.480 --> 0:56:26.279
<v Speaker 2>I want the backpack, the stuffed animal, all that.

0:56:27.400 --> 0:56:29.080
<v Speaker 1>I can't wait. Did I did I ever show I

0:56:29.080 --> 0:56:30.640
<v Speaker 1>showed you Molly Moore, but I haven't showed you the cover.

0:56:30.640 --> 0:56:31.880
<v Speaker 1>I'm gonna say, I'm gonna sound.

0:56:32.440 --> 0:56:35.160
<v Speaker 2>A little fro. Yeah, it's so cute.

0:56:36.040 --> 0:56:38.920
<v Speaker 1>Honestly, I'm just I just can't wait. You know, you

0:56:39.000 --> 0:56:41.360
<v Speaker 1>just know, I just feel it in my bones that

0:56:41.520 --> 0:56:44.480
<v Speaker 1>like I just I want, like, you know, not just

0:56:44.640 --> 0:56:46.600
<v Speaker 1>it's not just for little brown girls. It's really just

0:56:46.640 --> 0:56:50.080
<v Speaker 1>for kids in general to start laying the foundation and

0:56:50.120 --> 0:56:52.120
<v Speaker 1>for parents to have the tools and resources. Like I

0:56:52.160 --> 0:56:56.080
<v Speaker 1>literally was just adding, like like literally, there's a section

0:56:56.440 --> 0:56:59.279
<v Speaker 1>and it says, hey, adult and I break down based

0:56:59.320 --> 0:57:02.360
<v Speaker 1>upon the core Career in standards. These are the nationwide

0:57:02.400 --> 0:57:06.120
<v Speaker 1>standards that have been created by educators to say, hey,

0:57:06.400 --> 0:57:09.440
<v Speaker 1>every school in the nation has to adhere to these

0:57:09.480 --> 0:57:12.080
<v Speaker 1>standards that by first grade kids should know this, by

0:57:12.120 --> 0:57:15.319
<v Speaker 1>kindergarten kidshould know this. So I aligned it with those

0:57:15.360 --> 0:57:17.959
<v Speaker 1>standards so you and I tell you that this book

0:57:18.000 --> 0:57:21.120
<v Speaker 1>is going to teach rhyming and counting and all these

0:57:21.200 --> 0:57:23.520
<v Speaker 1>other wonderful things. And then I say, here are some

0:57:23.720 --> 0:57:26.439
<v Speaker 1>questions to ask your child, and here's how to turn

0:57:26.480 --> 0:57:29.560
<v Speaker 1>that question into a writing activity, a reading activity. A

0:57:29.600 --> 0:57:33.439
<v Speaker 1>speaking activity, so I really take like teacher Tiffany really

0:57:33.480 --> 0:57:35.800
<v Speaker 1>shines at the back of the book, so you it's

0:57:35.800 --> 0:57:37.560
<v Speaker 1>not just a book for you. This is a tool

0:57:37.640 --> 0:57:40.160
<v Speaker 1>to really stretch and grow your child. So I'm really

0:57:40.160 --> 0:57:41.400
<v Speaker 1>excited about that component.

0:57:42.920 --> 0:57:45.760
<v Speaker 2>Can't wait. When's the pub date? Do you have a

0:57:46.040 --> 0:57:46.720
<v Speaker 2>Is it next year?

0:57:47.640 --> 0:57:52.280
<v Speaker 1>Yes, it's It's tentatively January twenty twenty, so we should

0:57:52.320 --> 0:57:54.000
<v Speaker 1>be going to print in like a couple of weeks.

0:57:54.040 --> 0:57:56.040
<v Speaker 1>So if we go to print and it looks good,

0:57:56.120 --> 0:57:58.720
<v Speaker 1>then we could just print them, which I'm excited about.

0:57:59.240 --> 0:58:02.520
<v Speaker 1>I chose I know, I specifically chose a is a

0:58:02.560 --> 0:58:07.760
<v Speaker 1>woman owned a woman owned, yes, women owned publishing company

0:58:07.880 --> 0:58:10.880
<v Speaker 1>because someone asked me in my DMS it's Wyse Inc.

0:58:11.040 --> 0:58:13.480
<v Speaker 1>Shout out to Dara. What I love about Why's Inc.

0:58:13.600 --> 0:58:15.760
<v Speaker 1>Is that it's the perfect hybrid of what I wanted

0:58:16.160 --> 0:58:19.400
<v Speaker 1>traditional publishing they typically own your stuff, but then self

0:58:19.440 --> 0:58:21.600
<v Speaker 1>publishing me, you have to do everything I wanted a

0:58:21.640 --> 0:58:24.800
<v Speaker 1>publishing company that was somewhere in the between. And Lovey

0:58:24.920 --> 0:58:27.120
<v Speaker 1>my friend love shout out to love Though. For Muna

0:58:27.160 --> 0:58:29.640
<v Speaker 1>Luci Bridel magazine cover, she looks amazing. Go to her,

0:58:29.960 --> 0:58:32.360
<v Speaker 1>go to her insta anyway. So she's the one who

0:58:32.360 --> 0:58:34.400
<v Speaker 1>told me about whys Inc. And it's a hybrid and

0:58:34.440 --> 0:58:36.840
<v Speaker 1>that I get ownership or I have to pay for

0:58:36.880 --> 0:58:39.480
<v Speaker 1>all my things, but then they help me with distribution

0:58:39.800 --> 0:58:42.120
<v Speaker 1>and and help me with like layout and all these

0:58:42.160 --> 0:58:44.440
<v Speaker 1>other things that a traditional publisher would, but I just

0:58:44.440 --> 0:58:46.760
<v Speaker 1>pay out a card. So it's the perfect for what

0:58:46.800 --> 0:58:49.640
<v Speaker 1>I'm looking for for this book. It's the perfect blend

0:58:49.760 --> 0:58:54.280
<v Speaker 1>of personal responsibility but professional assistant. So if you're looking

0:58:54.320 --> 0:58:57.080
<v Speaker 1>for that kind of mix, then Wyse Inc. Is awesome.

0:58:59.160 --> 0:59:06.720
<v Speaker 2>So excited I know, all right, Well that is the show.

0:59:06.760 --> 0:59:06.960
<v Speaker 1>Guy.

0:59:07.120 --> 0:59:09.120
<v Speaker 2>Thank you for listening. And to those of you who

0:59:09.200 --> 0:59:11.320
<v Speaker 2>pointed out there was a glitch in an episode or

0:59:11.320 --> 0:59:15.800
<v Speaker 2>two ago. You guys missed some of Tiffany's rant against

0:59:15.800 --> 0:59:18.919
<v Speaker 2>Snoop Dogg. I'm gonna fix that right now, said go back.

0:59:18.960 --> 0:59:21.360
<v Speaker 2>I think it's episode one ninety three. Go back and

0:59:21.400 --> 0:59:24.520
<v Speaker 2>hear her read Snoop Dogg. I'm so sorry because it

0:59:24.640 --> 0:59:28.120
<v Speaker 2>was well worth to listen. I will fix that right away.

0:59:29.040 --> 0:59:29.560
<v Speaker 2>I love that

0:59:31.720 --> 0:59:32.880
<v Speaker 1>I read against Snoop Doog.