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Speaker 1: Hey, ba fan, Mandy here or Mandra you can call

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Speaker 1: me Mandra and that's fine. I have a simple request

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Speaker 1: for you, guys. We get so many questions on how

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Speaker 1: you can support the show, and there's really a very

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Speaker 1: very simple thing that we need you guys to do.

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Speaker 1: Open up this app, open up wherever you're listening to

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Speaker 1: this podcast right now, and subscribe if you have the ability,

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Speaker 1: especially those of you who are on iTunes. We're really

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Speaker 1: making a push to get the show more visible. You've

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Speaker 1: seen that we've partnered with a fabulous new network called

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Speaker 1: Westwood One. But we also need the support of our listeners.

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Speaker 1: So if you are a listener, loyal listener, please subscribe,

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Speaker 1: and if you haven't yet, take a few seconds and

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Speaker 1: leave a five star review, and even a written review

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Speaker 1: would be the icing on the cake. But at least subscribe,

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Speaker 1: leave us a five star review, and continue to support

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Speaker 1: the show. This is so so crucial. It is basically

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Speaker 1: how we tell the Internet that our podcast is worth

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Speaker 1: promoting and featuring and getting charted, and we deserve to

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Speaker 1: be at the top of the charts just like any

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Speaker 1: other show out out there. We can't do it without

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Speaker 1: your support, so thank you very very much. Subscribe, like

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Speaker 1: and review the show, and we thank you so much.

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Speaker 2: Hey hey, hey, I'm not gonna lie. My back hurts.

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Speaker 2: We're back, we're black, we're brown ambition. Hey Manajra, I

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Speaker 2: pull my back.

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Speaker 1: We're aging gracefully.

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Speaker 2: I know between my arm surgery because I guess I'm

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Speaker 2: sleeping this kind of a way to like not I

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Speaker 2: sleep on my shoulder subconsciously and when I'm sleeping, and

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Speaker 2: so now I've got a back pull. So I'm feeling

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Speaker 2: one hundred and seven. But you know how you doing?

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Speaker 1: I mean, I mean, I'm by by comparison. I'm good,

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Speaker 1: my back is not pulled. But I'm wondering is it

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Speaker 1: time for some acupuncture? Do we need a massage therapist? Chiropractor?

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Speaker 2: Well, I'm I'm going to physical therapy. Like my arm

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Speaker 2: is actually feeling better and better, but like you know,

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Speaker 2: I'm just I know what it is because I felt

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Speaker 2: when I woke up, I was in this odd position

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Speaker 2: like with my shoulder kind of like you know, protecting itself,

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Speaker 2: and I guess my back was like girl, what is

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Speaker 2: this position?

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Speaker 1: So why did we hurt ourselves in our sleep?

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Speaker 3: You know?

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Speaker 1: Like I was, I've been waking up with headaches, and

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Speaker 1: I went to the dentist for the first time since

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Speaker 1: the since quarantine, because I was like, I'm not about

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Speaker 1: to get COVID to get a dental cleaning. I'm just

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Speaker 1: flost moore floss more. But anyway, I finally went and

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Speaker 1: she said, yeah, you probably you're grinding your teeth that night,

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Speaker 1: and it just so happened. It was a two week

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Speaker 1: period where I had a lot going on. It wasn't

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Speaker 1: bad stress, but it was like I was clearly anxious

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Speaker 1: in my sleep, and I'm like, can we not even

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Speaker 1: get a break from our own selves now? Sleep? What

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Speaker 1: is this? It's like, damn it. But well, I'm very

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Speaker 1: I hope that your back feels better.

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Speaker 2: Yeah, well, you know, you know how you get a pull.

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Speaker 2: It takes like some like some days, sometimes even a

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Speaker 2: couple of weeks. I'm just like, ugh, but you know,

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Speaker 2: I mean, I'm alive and I'm happy. Things are good,

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Speaker 2: but you know, all to.

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Speaker 1: Your body, Listen to your body. I do want to

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Speaker 1: take a moment because the just to acknowledge what's going

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Speaker 1: on in the Asian American community. It's been going on

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Speaker 1: for the past solid year, this rise in anti Asian

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Speaker 1: hate crimes and even though they won't call them hate crimes,

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Speaker 1: just just crazy criminal activity toward Asians, unnecessary violence. And

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Speaker 1: what happened last week in Atlanta, really I think it

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Speaker 1: just shooks. Yeah, it was horrendous, it was it was shocking,

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Speaker 1: it was disgusting, it was tragic, and I just wanted

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Speaker 1: to let our listeners know and if any you know,

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Speaker 1: everyone who supports Brown Ambition and beyond, and if you're

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Speaker 1: Asian American, we stand with you. And if there's anything

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Speaker 1: we can do to be allies to you and your

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Speaker 1: time of need, let us know. And we hope that

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Speaker 1: you guys are if you're doing well, and if you

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Speaker 1: have Asian American friends and family, check in on them,

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Speaker 1: check in on them, ask how they're doing. I've tried

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Speaker 1: to do that thoughtfully the past week. And I speaking

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Speaker 1: from experience, what happened, you know, after last summer's social unrest,

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Speaker 1: after George Floyd and Breonna Taylor, I appreciated those messages

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Speaker 1: just to check in and see how you're doing. So, yeah,

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Speaker 1: check in. And my heart goes out to those those families, man,

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Speaker 1: those families and those women who were murdered senselessly and

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Speaker 1: the customers too. It was I just don't it's it's heartbreaking,

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Speaker 1: it truly is.

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Speaker 2: Yeah, I just I just can't even imagine so well,

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Speaker 2: I just don't get it. I'm like, what, I honestly

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Speaker 2: can't wrap my mind around how you could hate someone,

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Speaker 2: someone you don't know, for the color of their skin,

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Speaker 2: the race that they are, so much so that you

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Speaker 2: would do something so egregious, and then how it's excused,

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Speaker 2: you know, like he was having a bad day, just

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Speaker 2: a bad day. No, that's what he said. Yes.

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Speaker 1: The way that that officer at that press conference was

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Speaker 1: trying to it was almost like he his tone was

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Speaker 1: very much like, calm down, everybody. This young man he has,

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Speaker 1: this gentleman has, you know, admitted to the crime, and

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Speaker 1: he was having a bad day, and he had what

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Speaker 1: he perceived to be a temptation and a sexual addiction

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Speaker 1: and he and he needed to what murder eight people.

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Speaker 1: I just it just it was bad, bad, bad for

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Speaker 1: that share I don't know, Sheriff's department, a law enforcement

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Speaker 1: in general, and to coeo oh, no, another white man

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Speaker 1: inflict mass a mass shooting on this country and walk away,

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Speaker 1: you know, unscathed.

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Speaker 2: Unscathed, literally Mike Brown, Hey, we think we think he

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Speaker 2: stole a cigar, you know, Garner.

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Speaker 1: George Floyd. I just a counterfeit twenty dollars bill, was it?

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Speaker 2: I mean? And then people are like, well, you know,

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Speaker 2: so people deserve to die for that. But this man

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Speaker 2: literally killed murdered eight people. And I'm not suggesting the

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Speaker 2: police should have shot him dead were he it was?

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Speaker 2: But like, but then all this compassion for him and like,

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Speaker 2: oh were they were they working legally? So does that

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Speaker 2: mean that people could just ooh? I think I think

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Speaker 2: there's some people who might not have their green card,

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Speaker 2: so me, as a citizen could just go and do

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Speaker 2: whatever I want. I just honestly, I'm exhausted, and I

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Speaker 2: just I don't know, Like, I don't know what it

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Speaker 2: takes for people to say, like enough is enough? Is

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Speaker 2: enough is enough? And you know, does it take for

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Speaker 2: like every single marginalized group to be brutally attacked before

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Speaker 2: we band together to say no more? You know?

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Speaker 1: But yeah, I think in a sad way, it's an

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Speaker 1: inflection point for everyone to better understand what Asian Americans

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Speaker 1: have gone through in this country. And I have very

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Speaker 1: close friends who are from the Asian American community very

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Speaker 1: close to me, and I, even as a person of color,

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Speaker 1: as a woman of color, wasn't one hundred percent aware

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Speaker 1: of what they felt day to day. I guess I

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Speaker 1: just took for granted because I think there is this

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Speaker 1: there's this deep divide in the Asian American community, and

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Speaker 1: I've been reading about this. Economically, you know, you have

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Speaker 1: there's this perception that Asian Americans are better off, and

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Speaker 1: they you know, they're better off than other minorities and

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Speaker 1: financially economically speaking, that they're doing well, that they're the

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Speaker 1: model minority. I've even heard out there, yes, but the

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Speaker 1: lived experience, no one's. I don't feel like we've bothered

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Speaker 1: to ask Asian Americans like what sort of experience do

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Speaker 1: you have day to day? And what sort of experience

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Speaker 1: do your parents have? And my closest front, you know,

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Speaker 1: I don't want to put her so I don't want

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Speaker 1: to tell a story that's not mine, but I admire

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Speaker 1: her so much. Her parents are immigrants from Vietnam came over.

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Speaker 1: You know, their story is just extraordinary. And her mom,

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Speaker 1: her mom owns a hair salon in Atlanta, and she's

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Speaker 1: having her mother put up signs that say, you know,

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Speaker 1: we're keeping our doors locked, ring the doorbell and we

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Speaker 1: will come, and it's just surreal. I mean, I don't

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Speaker 1: I don't know. I haven't know. I haven't known what

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Speaker 1: to say to her, and all I can say is

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Speaker 1: just I'm sorry. And we should all be learning and

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Speaker 1: listening to our Asian American brothers and sisters today the

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Speaker 1: same way we, you know, would want to be listen

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Speaker 1: to and have our pain acknowledged and not not minimalized

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Speaker 1: because what we think they must be going through.

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Speaker 2: No, I totally agree. I don't know, like a well,

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Speaker 2: you know Jason Vtag, like you know, he's part of

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Speaker 2: like you know, the financial Yeah, so he you know,

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Speaker 2: Jason's pretty quiet. If you guys follow him, he's awesome.

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Speaker 2: He's got this awesome brand called Frugal but it's spelled

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Speaker 2: like p h r o O g a L. And

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Speaker 2: you know, he's just like a friend in finance, but

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Speaker 2: just a friend in real life too. But you know that.

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Speaker 2: So he's been posting and sharing some of the stories

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Speaker 2: of what people have called him and how he's been treated,

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Speaker 2: and you know, you just he's like the sweetest, quietest guy.

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Speaker 2: You would never know all this all of this pain

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Speaker 2: was beneath that, and I just just really proud of

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Speaker 2: him for sharing, you know, on social and just it

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Speaker 2: just whenever you share your story, people get an opportunity

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Speaker 2: to grow and to learn.

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Speaker 1: And so yeah, yeah, and for the rest of us,

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Speaker 1: it's our turn to shut up and listen. Yes, I'm trying.

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Speaker 1: I haven't done such a great job trying to be

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Speaker 1: an ally myself, but I'm trying, and I'm learning to

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Speaker 1: shut up and listen. And you know, this all happened

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Speaker 1: in the past week too, alongside that news at the

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Speaker 1: editor in chief at teen Vogue. Yeah, a young black woman,

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Speaker 1: Alexi Ma Cammond. I mean this situation, you want to

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Speaker 1: talk about it for a little bit, because it was

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Speaker 1: all happening at the same time. Yes, and it's been

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Speaker 1: painful for me to see that go down. As a

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Speaker 1: black woman in media and journalism. You want to see

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Speaker 1: your sisters, you want to be happy for them. It's

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Speaker 1: really painful for me to see what's happened. So Alexi,

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Speaker 1: she was just named teen Vogue editor in chief a

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Speaker 1: couple of weeks ago. It feels like it was not

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Speaker 1: that long ago. She hadn't even started yet, and the

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Speaker 1: Asian American staff at teen Vogue basically wrote a petition

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Speaker 1: against her hire because she it had been uncovered a

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Speaker 1: couple of years ago that she had tweeted some really stupid,

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Speaker 1: really racist things about yes that pain was like what

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Speaker 1: idiotic things when she was old.

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Speaker 2: I was gonna say she was seven because she's like,

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Speaker 2: what twenty seven now, so this is about ten years ago.

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Speaker 1: Ten years ago, yeah, which is nuts. I mean, she

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Speaker 1: was so young now, but you know, even younger then.

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Speaker 1: But those tweets were already out in the public because

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Speaker 1: when she was a reporter for Axios. They I think

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Speaker 1: it was after she was named the Emerging Journalist of

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Speaker 1: the Year from the NABJ National Association of Black Journalists,

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Speaker 1: those tweets were uncovered. And again when she called out

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Speaker 1: Charles Barkley for using some aggressive language toward her, the

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Speaker 1: tweets were resurfaced again. You know Twitter, uh, the Twitter, uh, Twitter, Roddy,

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Speaker 1: whatever you want to call them. They will go and

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Speaker 1: find those social media demons, and it led to her.

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Speaker 1: She finally resigned before she'd even had a first day

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Speaker 1: on the job. I think last week Friday. The days

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Speaker 1: are blurring together, but I mean it was the kind

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Speaker 1: of accountability that I understand. And it's it's a small consolation,

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Speaker 1: I think to to the staff at teen Vogue who

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Speaker 1: really probably felt like w t F you know, and

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Speaker 1: this was not the thing that's like, it wasn't unlike

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Speaker 1: it was known the tweets, you know. So the fact

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Speaker 1: that Anna Wintour and whoever at Conde and asked thought

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Speaker 1: saw that and said, eh, it's okay, she said sorry,

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Speaker 1: kind of it was. It was difficult to see. But

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Speaker 1: I'm I hope that she's learning and growing from it,

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Speaker 1: and I don't I don't wish ill of her at

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Speaker 1: all as another black woman, and I like we're all

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Speaker 1: growing and learning and just it's pain on all sides

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Speaker 1: for me.

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Speaker 2: You know, it's so crazy because it's I as a

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Speaker 2: you know, as a black woman. It's rare that I'm

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Speaker 2: on the other side to see what it must feel

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Speaker 2: like to the person, you know, because as a black woman,

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Speaker 2: I could see, like, you know, how on it just

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Speaker 2: seems it's just being strange to not because if someone

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Speaker 2: were to say they're working at like Essence or something

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Speaker 2: like that, and then it was uncovered later like you

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Speaker 2: know that this person used all these racial slurs. I mean,

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Speaker 2: because I've read it. They you know, it wasn't these

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Speaker 2: weren't light things. These were really terrible things. I'd be like,

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Speaker 2: I don't care if she was five, That's what I

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Speaker 2: would think. Yeah, you know, like I'd be like, I

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Speaker 2: don't care if she's five years old. This is especially

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Speaker 2: during what's happening now with you know, Black Lives Matter movement.

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Speaker 2: This is an especially sensitive time and so I can

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Speaker 2: see on the other side, if I was Asian American,

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Speaker 2: I would feel the same. I mean, I can say,

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Speaker 2: you know, you know, I could say like, oh, she's

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Speaker 2: just seventeen, but I look at Supergirl, my stepdaughter, and

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Speaker 2: she's fourteen, and I thought at fourteen, definitely, you know,

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Speaker 2: she has a lot of growing to do, but she

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Speaker 2: has a sense of right and wrong. I'm not saying

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Speaker 2: that she's not on douse. We really try to monitor

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Speaker 2: her social media, you know, but you know, kids get

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Speaker 2: away and do whatever they want. But yeah, I have

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Speaker 2: a hard time because yes, I want to see my

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Speaker 2: sisters rise, and you know, certainly something like this carrying

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Speaker 2: you like through the rest of your life. No matter

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Speaker 2: what you do, someone's going to bring it up. But

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Speaker 2: at the same time as someone who's been on the

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Speaker 2: other side of seeing people be like, well he was

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Speaker 2: twenty five, Well he was, and then being the you know,

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Speaker 2: the people on the other side who are always asked

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Speaker 2: to forget and let it go. I can understand like

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Speaker 2: if Asian Americas is like, I'm not because honestly I

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Speaker 2: feel the same, you know that, like, I'm not willing

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Speaker 2: to give people passes for past transgressions that are egregious

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Speaker 2: and multiple. Yeah, you know, so I can although like

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Speaker 2: I'm like, yes, I love to see my sister's right.

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Speaker 2: But if girl you wrong, you you're wrong. And you know,

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Speaker 2: I don't think you know. And I know because a

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Speaker 2: lot of my friends on social who or Asian they're like,

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Speaker 2: you know, everybody went up for Black Lives Matter. We

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Speaker 2: felt they felt unseen and unheard because you know, they're considered,

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Speaker 2: you know, like there's some privilege there. And so I

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Speaker 2: know that, you know, I just know that they like

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Speaker 2: they feel it's you know, people are seeing and hearing them,

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Speaker 2: and so I don't want to take that away despite

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Speaker 2: the fact that you know she was. But I can understand. No,

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Speaker 2: it's hard because you're like, oh man, it's such an

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Speaker 2: awesome opportunity and I'm not gonna lie. I don't want

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Speaker 2: to say her name because I'm I did not want

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Speaker 2: to drag up. But there was a really good friend

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Speaker 2: of mine who had a huge Twitter storm and social

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Speaker 2: media storm around her a couple of years ago. It

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Speaker 2: was really bad and I'm not gonna lie. It had

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Speaker 2: me looking through my Twitter like have I ever said anything?

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Speaker 2: Because it's scary? Have I ever? Like you know, I

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Speaker 2: was like, oh my gosh, like have I? And I

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Speaker 2: didn't think so, but you don't, you know, I don't

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Speaker 2: remember every single thing I posted it, but I don't

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Speaker 2: know that I was using Twitter.

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Speaker 1: In that way challenge Tiffany, although I don't think our

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Speaker 1: listeners weren't yeah no, no, but fact same fear, you know.

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Speaker 2: And so I can understand where you're coming from, because

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Speaker 2: I'm definitely like, uh, you know, like I don't. I

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Speaker 2: don't know if I've said anything that would require me

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Speaker 2: to be like yikes and so and who knows what.

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Speaker 2: I also, I want to offer grace in space, but

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Speaker 2: I also want to give people the space to say hey, no,

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Speaker 2: So I can understand both sides, you know.

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Speaker 1: Yeah, I even struggle trying and I made the mistake

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Speaker 1: of sharing my view with my good friend who's Asian

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Speaker 1: American and dealing with all this trauma. That was stupid.

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Speaker 1: And I'm just going to publicly apologize to her. I've

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Speaker 1: already apologized to her privately. No one needs to hear

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Speaker 1: me be afraid of what this means for me and

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Speaker 1: my Twitter history. Like, no, that is not I'm glad,

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Speaker 1: but Tiffany and I we can talk about it. But yes, absolutely,

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Speaker 1: And just from a career standpoint, I have just seen two.

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Speaker 1: I mean, maybe just because I'm in journalist, I've been

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Speaker 1: in journalism circles for so long and maybe it's more common,

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Speaker 1: but even people who aren't in journalism. I've got a

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Speaker 1: relative who was fired from Delta because she made a

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Speaker 1: comment on a Facebook thread on like a news channel's

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Speaker 1: Facebook page about a racial injustice. She made a comment

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Speaker 1: there and someone saw it and she lost a job.

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Speaker 1: So listen, it's not a freedom of speech thing because

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Speaker 1: companies are private companies. You know they can they It's

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Speaker 1: an at will employment situation, Y'allso just to caution, and

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Speaker 1: nothing is private and there's no line I don't think

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Speaker 1: between being an employee and then being a person. Honestly,

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Speaker 1: if you say something dumb enough, you're you're definitely gonna

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Speaker 1: lose job. And if you don't work for a nine

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Speaker 1: to five still, you can lose advertisers clients. So yeah,

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Speaker 1: I just think twice before you before you post and listen.

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Speaker 1: You can download did you know? You can download a

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Speaker 1: Twitter history? Like you can download every tweet you've ever

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Speaker 1: tweeted and then search and see what's in there. You can.

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Speaker 1: It takes a while, but it's a thing. So I'm

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Speaker 1: just saying, if y'all are sweating it, you might want

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Speaker 1: to try. But speaking of another prominent African American figure,

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Speaker 1: we we don't talk much about this particular person, but

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Speaker 1: we do. We have talked about he who must not

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Speaker 1: be named d What are we calling him? D R? Oh?

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Speaker 2: Yeah, I was like, who is talking about a day

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Speaker 2: amz Ray?

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Speaker 1: So I'm gonna say his name Dave Ramsey.

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Speaker 2: I'm gonna start calling him mister bankrupt.

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Speaker 1: Like the opposite of the monopoly man. So really quick,

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Speaker 1: because the listener actually reached out and they were like,

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Speaker 1: did you see the biblicalty on this?

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Speaker 2: No?

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Speaker 1: Do tell, pray, tell, we love. We should have a

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Speaker 1: segment called tea time. Uh yeah, So I mean, not again,

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Speaker 1: not to relish anyone's downfall, but this was just a

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Speaker 1: real example of the hypocrisy of Dave Ramsey's solutions. So

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Speaker 1: it had come out that in some reporting, and we

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Speaker 1: published a story. We had posted a link to the

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Speaker 1: story in the show notes. I forget now what the

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Speaker 1: what the news organization was called, But it had come

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Speaker 1: to light that Chris Hogan, one of Dave Ramsey's prominent

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Speaker 1: what do you want to call them, like one of

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Speaker 1: his internal gurus, like one of his his his people,

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Speaker 1: is very prominent figures out there, and he's he actually

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Speaker 1: came out and issued a statement on this, and he

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Speaker 1: acknowledged she had some misconducts conduct girl ger he cheated,

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Speaker 1: he cheated, and his wife has a blog and you

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Speaker 1: can check it out, you know.

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Speaker 2: And in the way the company like what is that?

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Speaker 2: There was? Was it the Religious Times the article that

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Speaker 2: was so damning?

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Speaker 1: Yes, I the name of it. Yeah, it was something

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Speaker 1: like that, yeah.

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Speaker 2: Yes, And she that was part of it where she

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Speaker 2: talked about how, you know, because they have a moral

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Speaker 2: conduct code where people haven't let go for less and

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Speaker 2: she went to the company to say, hey, there I

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Speaker 2: don't know if it was. I think it was women

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Speaker 2: actually actually at the actual job that he had been

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Speaker 2: inappropriate with. So he went and they basically intimidated the wife.

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Speaker 2: It was like, you know, go ahead on because you know,

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Speaker 2: he was one of their big money makers. I guess

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Speaker 2: he was just so mussy that they, you know, they

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Speaker 2: finally decided to, you know, let him go. I guess.

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Speaker 1: Well, meanwhile, I've been searching around. There's actually a complaint,

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Speaker 1: a lawsuit filed against the company by a woman who

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Speaker 1: claims that she was fired for being pregnant because she

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Speaker 1: hadn't because she was not married to her partner. She

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Speaker 1: was fired, and she was fired and they told her

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Speaker 1: to her face. This is gonna be I don't know,

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Speaker 1: the easiest EEOC case ever, because they told her to

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Speaker 1: her face like you're in violation of our righteous living clause.

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Speaker 1: So righteous living at Dave Ramsey basically means you can

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Speaker 1: cheat on your wife, but definitely don't have premarital sex

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Speaker 1: with your partner. So she's filed a lawsuit, and it'll

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Speaker 1: be interesting to see how that all shakes out. But yeah,

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Speaker 1: Chris Hogan is out. He I don't know, it just

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Speaker 1: sounds like they let him go, which is is very sad,

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Speaker 1: but it just shows you, like the hypocrisy man to

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Speaker 1: have this righteous living clause, but it's not it doesn't

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Speaker 1: apply to everyone clearly, so it does not even mean anyway.

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Speaker 1: So there's your your biblical tea for the day.

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Speaker 2: Well this is not biblical tea. But I wanted to

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Speaker 2: hear something. I was like, oh, the foolishness. Well, I mean,

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Speaker 2: it's not the buzzy buzzworthy today, I know it is

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Speaker 2: very buzzy. So I saw like on Twitter, I was like,

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Speaker 2: why is Kyllie Jenner trying to trendy? And normally I

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Speaker 2: don't care, but I saw Kylie Jenner sixty thousand dollars.

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Speaker 2: I'm like, h that seems like not a lot of

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Speaker 2: money for a Kylie Jenner. What's this about? So apparently

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Speaker 2: Kylie Jenner's makeup artist, who obviously plays a major role

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Speaker 2: in her life because you know, like makeup is a

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Speaker 2: huge component, like that's where she makes pose to her wealth,

401
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Speaker 2: was in a really bad car accident and as a result,

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Speaker 2: actually it needs brain surgery. She posted a gofund me

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Speaker 2: where she was like, you know, can you help, you know,

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Speaker 2: pay for his surgery, and people lit her up. I'm

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Speaker 2: guessing yes, So she personally donated five thousand dollars. Mandy, Oh, Mandy,

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Speaker 2: if you need a brain surgery, I got you for ten,

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Speaker 2: you know what I mean. But you know what I mean,

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Speaker 2: like five, Like not that ten thousand dollars was a

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Speaker 2: little bit of money, but not someone who's important to

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Speaker 2: me that needs brain surgery in order to stay alive.

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Speaker 2: I mean, you know what I mean, Like yeah, for

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Speaker 2: someone who is well. We all know that she like

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Speaker 2: falsified some of her her her filings to become the

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Speaker 2: Forbes youngest. They've since rescinded. But still, this is a

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Speaker 2: very wealthy, wealthy, wealthy young woman. And someone said, like

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Speaker 2: this is what Princess Mia ninety five on Instagram or

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Speaker 2: Twitter tweeted, which is so true. She said, it's not

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Speaker 2: even about the fact that she won't pay for for

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Speaker 2: the surgery herself. But every single last one of Kylie

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Speaker 2: Jenner's sisters is a millionaire, Her parents are millionaires, her

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Speaker 2: friends are millionaires. But she asked the middle class for

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Speaker 2: money this family. It's true, Like let's just say, like,

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Speaker 2: you know, she could just really be like Kim, like

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Speaker 2: this is my you know, because if you ever watched Kylie,

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Speaker 2: like you know, her lives or her whatever like videos, whatever,

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Speaker 2: she's really close to. They're all young, really close to

427
00:22:26,800 --> 00:22:29,639
Speaker 2: her team. So this is someone she considers friend and

428
00:22:29,720 --> 00:22:32,760
Speaker 2: probably partially like her family. And I'm not saying that

429
00:22:32,840 --> 00:22:37,119
Speaker 2: she owes it to this person to pay their medical bills,

430
00:22:37,400 --> 00:22:40,280
Speaker 2: but it's like the audacity to post it, do you

431
00:22:40,320 --> 00:22:41,120
Speaker 2: know what I mean, Like.

432
00:22:41,200 --> 00:22:43,720
Speaker 1: Yeah, just out of touch. I'm sure she was like,

433
00:22:43,760 --> 00:22:45,720
Speaker 1: I'm gonna do a nice thing and share this link.

434
00:22:46,200 --> 00:22:48,920
Speaker 1: So generous, but sixty k like she probably earned that

435
00:22:48,960 --> 00:22:51,399
Speaker 1: while she was like honestly on the phone.

436
00:22:51,160 --> 00:22:52,960
Speaker 2: And you put in five thousand.

437
00:22:54,119 --> 00:22:57,440
Speaker 1: Yeah out, Well, you do remember that story of a

438
00:22:57,640 --> 00:23:00,840
Speaker 1: lady Gaga's dad, he like started a gofund me last

439
00:23:00,920 --> 00:23:03,600
Speaker 1: year after the pandemic hit to pay his restaurant workers,

440
00:23:04,000 --> 00:23:06,240
Speaker 1: and she was like, I'm horrified that he did that,

441
00:23:06,359 --> 00:23:09,760
Speaker 1: but it's uh. And then I think her dog walker,

442
00:23:09,800 --> 00:23:14,200
Speaker 1: the dog walker that uh that was shot walking her dogs.

443
00:23:14,240 --> 00:23:16,359
Speaker 1: From that story, there was a balthu on me for

444
00:23:16,400 --> 00:23:19,000
Speaker 1: his fees. But I feel like Goga probably hasn't covered no.

445
00:23:19,440 --> 00:23:21,560
Speaker 2: I think I read somewhere that she that she paid

446
00:23:21,600 --> 00:23:22,399
Speaker 2: his medical fees.

447
00:23:22,720 --> 00:23:25,120
Speaker 1: I mean she was paying half a MILLI wait, yeah,

448
00:23:25,160 --> 00:23:28,040
Speaker 1: half a million dollars for information about the dogs. I'm like,

449
00:23:28,080 --> 00:23:32,199
Speaker 1: can Yeah, I thought that was like, h wealthy people

450
00:23:33,040 --> 00:23:39,240
Speaker 1: just you know, messing up. Just yeah, anyway, that's you know. Ugh,

451
00:23:40,119 --> 00:23:43,720
Speaker 1: we said Kylie, We said Dave Ramsey. I'm sorry, y'all. Yeah,

452
00:23:43,800 --> 00:23:44,840
Speaker 1: said their names out loud.

453
00:23:45,359 --> 00:23:47,560
Speaker 2: Yeah, I know. But I mean, you know, here's the thing,

454
00:23:47,600 --> 00:23:49,159
Speaker 2: like I said, because honestly, you can do whatever you

455
00:23:49,200 --> 00:23:51,960
Speaker 2: want with your money. Obviously you have the free will

456
00:23:51,960 --> 00:23:55,000
Speaker 2: and the choice. But it's just kind of like, uh,

457
00:23:55,280 --> 00:23:56,800
Speaker 2: it is kind of out of touch, especially with so

458
00:23:56,800 --> 00:23:59,960
Speaker 2: many people struggling now. And let's just say, for whatever reason,

459
00:24:00,200 --> 00:24:01,679
Speaker 2: like this is not her makeup artist or you know,

460
00:24:01,680 --> 00:24:03,760
Speaker 2: because people are like this is this she might not

461
00:24:03,800 --> 00:24:07,439
Speaker 2: even know him or whatever. But if you really, if

462
00:24:07,520 --> 00:24:09,600
Speaker 2: you're wanting to help and serve in that way, you

463
00:24:09,640 --> 00:24:13,159
Speaker 2: could just literally just ask your friends, the people in

464
00:24:13,200 --> 00:24:16,200
Speaker 2: your house right now could chip in and make this happen,

465
00:24:16,320 --> 00:24:19,840
Speaker 2: versus literally reaching out to people who have been let

466
00:24:19,880 --> 00:24:24,280
Speaker 2: go living in quarantine and pandemic, lost jobs, people who

467
00:24:24,320 --> 00:24:28,240
Speaker 2: are literally waiting for stimulus money in order to pay bills,

468
00:24:29,119 --> 00:24:30,439
Speaker 2: like you know what I mean, like, this is not

469
00:24:30,560 --> 00:24:34,639
Speaker 2: normal time. So even if this is not your makeup ar,

470
00:24:34,680 --> 00:24:37,200
Speaker 2: it's not your for whatever. The fact that you could

471
00:24:37,280 --> 00:24:40,320
Speaker 2: just turn to your inner circle and handle this versus

472
00:24:40,840 --> 00:24:45,399
Speaker 2: asking regular everyday people who are actually struggling. Girl stop

473
00:24:45,920 --> 00:24:49,760
Speaker 2: so you know, child, But you know I'm like, m

474
00:24:50,440 --> 00:24:52,040
Speaker 2: you ain't say nothing but a word, jold. I'm gonna

475
00:24:52,080 --> 00:24:56,440
Speaker 2: read up on this, this Chris Hogan thing, because I yeah,

476
00:24:56,880 --> 00:24:59,240
Speaker 2: I just hope this is why you know, manjoin I

477
00:24:59,240 --> 00:25:01,120
Speaker 2: always say, we don't wan believing, we don't not even

478
00:25:01,119 --> 00:25:03,320
Speaker 2: not really, we don't believe in gurus that we're your

479
00:25:03,320 --> 00:25:07,040
Speaker 2: financial girlfriends because I don't think it's smart to get

480
00:25:07,119 --> 00:25:09,680
Speaker 2: every single piece of financial advice from one person because

481
00:25:09,680 --> 00:25:13,119
Speaker 2: how possibly can they know all things? Imagine if your

482
00:25:13,160 --> 00:25:15,000
Speaker 2: doctor you're like, ooh I broke my leg, I can

483
00:25:15,080 --> 00:25:17,479
Speaker 2: fix that. Oh my tooth, I can fix that. I

484
00:25:17,480 --> 00:25:20,399
Speaker 2: need my back crack, I could do that. How how

485
00:25:20,440 --> 00:25:24,160
Speaker 2: can your one doctor be an expert in every single component?

486
00:25:24,920 --> 00:25:27,919
Speaker 2: He would be like a buffet business. You never go

487
00:25:27,960 --> 00:25:31,400
Speaker 2: to buffets for your favorite food because they're only okay

488
00:25:31,520 --> 00:25:33,919
Speaker 2: at everything. And that's what you get when you have

489
00:25:33,960 --> 00:25:36,199
Speaker 2: someone who's like come, to me for all your things.

490
00:25:36,680 --> 00:25:39,440
Speaker 2: It's like it's good to mix and match because then

491
00:25:39,520 --> 00:25:42,840
Speaker 2: you can have discernment over you know what that actually

492
00:25:42,840 --> 00:25:46,000
Speaker 2: doesn't make sense, you know. Like Nativa, she's one of

493
00:25:46,000 --> 00:25:48,359
Speaker 2: my favorite go tos a Kruger credit nie stuff for

494
00:25:48,400 --> 00:25:50,480
Speaker 2: all things credit, because she like devotes her life to

495
00:25:50,560 --> 00:25:54,240
Speaker 2: credit knowledge, you know. And like Sandy, if I'm talking

496
00:25:54,280 --> 00:25:56,200
Speaker 2: about side hustles and how to make money outside of

497
00:25:56,240 --> 00:25:58,560
Speaker 2: your job, or even how to actually make money while

498
00:25:58,840 --> 00:26:02,119
Speaker 2: at your job, Sandy had devoted years and years to

499
00:26:02,200 --> 00:26:04,200
Speaker 2: research about how best to do this, So of course

500
00:26:04,200 --> 00:26:05,920
Speaker 2: you're gonna lean to her. You know. I got the

501
00:26:05,960 --> 00:26:08,800
Speaker 2: budgeting girl. My name is budgetista. That's what I do,

502
00:26:08,840 --> 00:26:11,760
Speaker 2: you know. And so I just share all of that

503
00:26:11,840 --> 00:26:17,120
Speaker 2: because I think it's this is a lesson that hopefully

504
00:26:17,200 --> 00:26:21,119
Speaker 2: people who are still d are fans to know that

505
00:26:21,200 --> 00:26:23,960
Speaker 2: it's okay, you know, if that's any He certainly has

506
00:26:23,960 --> 00:26:28,000
Speaker 2: some advice that is helpful, but like the fact that

507
00:26:28,359 --> 00:26:31,000
Speaker 2: his advice is only take his advice is harmful.

508
00:26:31,520 --> 00:26:33,399
Speaker 1: Yeah, and that they don't they're not even willing to

509
00:26:33,440 --> 00:26:37,080
Speaker 1: give medical maternity benefits to a young woman on their staff.

510
00:26:37,400 --> 00:26:37,720
Speaker 2: Girls.

511
00:26:38,240 --> 00:26:40,200
Speaker 1: I'm sorry, I would love to see this. You gotta

512
00:26:40,200 --> 00:26:42,200
Speaker 1: read this complaint to in this court. And I was

513
00:26:42,280 --> 00:26:44,359
Speaker 1: kind of reading like the judges response and stuff like

514
00:26:44,720 --> 00:26:47,200
Speaker 1: how do you define righteous living? And I'm sorry, are

515
00:26:47,200 --> 00:26:49,879
Speaker 1: you going to present a list of everyone's past sexual

516
00:26:49,920 --> 00:26:51,960
Speaker 1: history so you can see if this has been applied

517
00:26:52,000 --> 00:26:53,520
Speaker 1: equally across employees?

518
00:26:53,680 --> 00:26:55,439
Speaker 2: And first of all, what part of the Bible is that?

519
00:26:55,880 --> 00:26:58,359
Speaker 2: I just don't even what Jesus do? You know, because

520
00:26:58,359 --> 00:27:03,360
Speaker 2: I'm like, sir, literally, really Jesus hung out with tax collectors,

521
00:27:03,400 --> 00:27:08,879
Speaker 2: prostitute people like he His thing was, I want to

522
00:27:08,960 --> 00:27:12,720
Speaker 2: invite those folks in to hopefully, you know that through

523
00:27:12,800 --> 00:27:15,879
Speaker 2: the way I live, that they will elevate, elevate the

524
00:27:15,880 --> 00:27:19,119
Speaker 2: way they live. He was not about banishing folks. So

525
00:27:19,160 --> 00:27:20,960
Speaker 2: it's I just don't know what god these people serve,

526
00:27:21,359 --> 00:27:24,480
Speaker 2: the God of money, you know, because it's certainly not

527
00:27:24,640 --> 00:27:26,919
Speaker 2: you know, the God of the Bible that they profess

528
00:27:27,040 --> 00:27:30,080
Speaker 2: to serve. You know, it's just not I just like, literally,

529
00:27:30,119 --> 00:27:32,920
Speaker 2: nowhere does it say that that you turn someone away,

530
00:27:33,000 --> 00:27:37,360
Speaker 2: you push someone out. It's literally the opposite, the literal opposite.

531
00:27:37,560 --> 00:27:39,680
Speaker 1: Please never put me on a pedestal. I just don't

532
00:27:39,680 --> 00:27:40,320
Speaker 1: want to fall.

533
00:27:40,359 --> 00:27:41,399
Speaker 2: Yes, please, I'm not.

534
00:27:41,680 --> 00:27:42,439
Speaker 1: I'm readily here.

535
00:27:42,480 --> 00:27:45,360
Speaker 2: That's why I love my own tea. I'm like, oh child,

536
00:27:45,400 --> 00:27:47,120
Speaker 2: let me tell you how somebody took me for all

537
00:27:47,119 --> 00:27:48,879
Speaker 2: my money and I had foreclosure.

538
00:27:50,080 --> 00:27:52,399
Speaker 1: Yeah, I'm not gonna because that. You can't pretend like

539
00:27:52,440 --> 00:27:55,000
Speaker 1: you're perfect, because you're just asking yourself for you know,

540
00:27:55,320 --> 00:27:57,679
Speaker 1: just asking yourself for someone to find some dirt on you.

541
00:27:58,680 --> 00:28:02,640
Speaker 1: Andrew Cuomo. Okay, so shall we move on to questions

542
00:28:02,640 --> 00:28:04,320
Speaker 1: real quick and take a quick break.

543
00:28:04,720 --> 00:28:35,960
Speaker 3: Okay, that was a lot of some buzzy tea.

544
00:28:41,200 --> 00:28:43,480
Speaker 1: All right, so we are back with your questions. And

545
00:28:43,600 --> 00:28:46,600
Speaker 1: actually there's a really fun new way for you guys

546
00:28:46,600 --> 00:28:49,680
Speaker 1: to send us questions. You can actually call or text us.

547
00:28:49,760 --> 00:28:50,240
Speaker 1: Did you know what.

548
00:28:50,200 --> 00:28:51,320
Speaker 2: Toll we fancy?

549
00:28:51,880 --> 00:28:55,160
Speaker 1: Fancy? It's also kind of old school, you know, just

550
00:28:55,200 --> 00:28:57,320
Speaker 1: like pick up the phone, call your friends. Let's call

551
00:28:57,320 --> 00:29:01,120
Speaker 1: it the money the Brand Ambition Hotline hot hotline. So

552
00:29:01,200 --> 00:29:02,760
Speaker 1: let me share that number with you if y'all want

553
00:29:02,760 --> 00:29:04,320
Speaker 1: to share it. You can still, you know, get your

554
00:29:04,360 --> 00:29:07,960
Speaker 1: questions to us the old fashioned ways through IGDM or

555
00:29:08,000 --> 00:29:11,280
Speaker 1: through email at brandambisionpodcast at gmail dot com. But if

556
00:29:11,280 --> 00:29:13,520
Speaker 1: you'd like to call our hotline and leave a voicemail,

557
00:29:13,640 --> 00:29:16,040
Speaker 1: or text us. You can reach us at eight four

558
00:29:16,200 --> 00:29:20,400
Speaker 1: four eight five eight eight zero eight zero. That's eight

559
00:29:20,440 --> 00:29:23,800
Speaker 1: four four eight five eight eight zero eight zero. We

560
00:29:23,840 --> 00:29:25,760
Speaker 1: can't wait to listen to your questions and we might

561
00:29:25,840 --> 00:29:27,040
Speaker 1: feature you on the show.

562
00:29:27,480 --> 00:29:28,920
Speaker 2: Yes, love it.

563
00:29:29,680 --> 00:29:32,840
Speaker 1: But in the meantime, let's shake up this mail bag.

564
00:29:32,840 --> 00:29:34,920
Speaker 1: We have a couple of questions from people who are

565
00:29:34,920 --> 00:29:38,280
Speaker 1: thinking about so. As you guys might know, mortgage rates

566
00:29:38,280 --> 00:29:40,720
Speaker 1: are still creeping. They're creeping up a little bit, but

567
00:29:40,720 --> 00:29:44,320
Speaker 1: they're still historically very very low. And for people who

568
00:29:44,360 --> 00:29:46,480
Speaker 1: have a lot of equity in their home, meaning that

569
00:29:46,880 --> 00:29:49,920
Speaker 1: their home is valued more than their existing balance on

570
00:29:49,960 --> 00:29:53,719
Speaker 1: their mortgage, that's equity, and you can often borrow against

571
00:29:53,720 --> 00:29:56,680
Speaker 1: that equity, which means you're saying, hey, bank, I've got

572
00:29:56,720 --> 00:29:59,240
Speaker 1: like fifty thousand dollars worth of equity in my home.

573
00:29:59,560 --> 00:30:01,680
Speaker 1: Why don't you do you give me a cash loan

574
00:30:01,960 --> 00:30:05,280
Speaker 1: for ten thousand dollars and give it to me at

575
00:30:05,280 --> 00:30:08,640
Speaker 1: a lower rate, and I will secure it with my home.

576
00:30:08,960 --> 00:30:10,959
Speaker 1: That's basically what a home equity loan is. That's why

577
00:30:11,000 --> 00:30:13,880
Speaker 1: they call it a second mortgage, because you are using

578
00:30:13,920 --> 00:30:17,160
Speaker 1: your home again as collateral on that home equity loan.

579
00:30:17,560 --> 00:30:20,400
Speaker 1: And the benefit to you is that you get the

580
00:30:20,440 --> 00:30:23,400
Speaker 1: loan at a lower rate because again you're offering collateral,

581
00:30:23,440 --> 00:30:25,720
Speaker 1: so the bank feels a little bit more secure loaning

582
00:30:25,760 --> 00:30:28,520
Speaker 1: it out to you. And some people have found themselves

583
00:30:28,520 --> 00:30:31,400
Speaker 1: more and more in that position this year because demand

584
00:30:31,400 --> 00:30:33,800
Speaker 1: for houses is going up a lot of places people

585
00:30:33,840 --> 00:30:36,240
Speaker 1: are staying put and they're saying, what can I do

586
00:30:36,280 --> 00:30:39,920
Speaker 1: with all this equity lying around? Thank you for entertaining

587
00:30:39,920 --> 00:30:43,920
Speaker 1: my indulging, my quick little this definition, and just feel

588
00:30:43,960 --> 00:30:46,680
Speaker 1: like let's start from the beginning, all right, So let

589
00:30:46,720 --> 00:30:50,600
Speaker 1: me get to these questions, all right. This a couple

590
00:30:50,640 --> 00:30:54,040
Speaker 1: of listeners. So question one comes from Instagram. She says,

591
00:30:54,200 --> 00:30:56,400
Speaker 1: what are your thoughts on using a home equity line

592
00:30:56,440 --> 00:30:59,040
Speaker 1: of credit to pay off a mortgage? Quicker? I have

593
00:30:59,080 --> 00:31:02,719
Speaker 1: about fifteen fifteen years left in my thirty year mortgage. However,

594
00:31:02,920 --> 00:31:04,920
Speaker 1: due to having student loan debt I took on for

595
00:31:05,080 --> 00:31:08,080
Speaker 1: my children, I cannot tap into the equity I now have.

596
00:31:08,680 --> 00:31:11,480
Speaker 1: That means no cash out refinance for me. My debt

597
00:31:11,480 --> 00:31:14,400
Speaker 1: to income ratio is too high. Despite having no credit

598
00:31:14,480 --> 00:31:17,040
Speaker 1: card debt and a credit score of seven hundred, I'm

599
00:31:17,080 --> 00:31:19,680
Speaker 1: paying double the going interest rate and frankly, I want

600
00:31:19,680 --> 00:31:22,760
Speaker 1: to give these banks the finger. I saw this as

601
00:31:22,800 --> 00:31:25,640
Speaker 1: a strategy, but I want to know what y'all think. Wait,

602
00:31:25,760 --> 00:31:28,800
Speaker 1: what what are your thoughts? I'm gonna start from the beginning.

603
00:31:28,800 --> 00:31:30,760
Speaker 1: What are your thoughts on using a home equity loan

604
00:31:30,960 --> 00:31:33,840
Speaker 1: line of credit to pay off a mortgage? Quicker, I

605
00:31:33,880 --> 00:31:37,280
Speaker 1: have about fifteen years left, so you can't do that.

606
00:31:37,560 --> 00:31:40,120
Speaker 2: Yees, come like, wait, so is it the same house

607
00:31:40,200 --> 00:31:41,120
Speaker 2: or two different houses?

608
00:31:41,400 --> 00:31:44,320
Speaker 1: It seems like the you know what, No, it seems

609
00:31:44,320 --> 00:31:45,160
Speaker 1: like the same house.

610
00:31:46,000 --> 00:31:46,920
Speaker 2: I don't know.

611
00:31:47,560 --> 00:31:50,120
Speaker 1: You can't borrow. That wouldn't work because then when you're

612
00:31:50,120 --> 00:31:53,880
Speaker 1: taking out a home equity loan against your current house,

613
00:31:54,000 --> 00:31:55,520
Speaker 1: that's just an additional mortgage.

614
00:31:55,800 --> 00:31:58,800
Speaker 2: Yes it's a new more so, it's a new mortgage,

615
00:31:58,880 --> 00:32:01,480
Speaker 2: so you would owe that moreage. So, for example, just

616
00:32:01,480 --> 00:32:03,719
Speaker 2: think about credit cards, right, So let's just say you

617
00:32:03,720 --> 00:32:07,320
Speaker 2: say I owe ten thousand dollars on this credit card. Yikes,

618
00:32:07,600 --> 00:32:09,000
Speaker 2: And you're like, you know what, I'm going to take

619
00:32:09,000 --> 00:32:11,200
Speaker 2: out a cash advance of ten thousand dollars on this

620
00:32:11,240 --> 00:32:13,840
Speaker 2: credit card. Let's just say, for whatever crazy reason, they

621
00:32:13,880 --> 00:32:16,040
Speaker 2: give you the ten So now you owe instead of

622
00:32:16,080 --> 00:32:18,800
Speaker 2: ten thousand dollars you owe twenty. Now you use that

623
00:32:18,920 --> 00:32:21,720
Speaker 2: ten to pay off the old loan who it's paid off.

624
00:32:21,960 --> 00:32:24,840
Speaker 2: But wait, I still owe ten because I owe the

625
00:32:25,000 --> 00:32:27,960
Speaker 2: ten on the new loan. So that's how that would work.

626
00:32:28,040 --> 00:32:30,880
Speaker 2: So unless the only way I could think about this

627
00:32:31,200 --> 00:32:34,920
Speaker 2: is if they meant that it's two separate houses that

628
00:32:35,040 --> 00:32:38,280
Speaker 2: you were pulling out equity from one house to pay off,

629
00:32:38,520 --> 00:32:40,720
Speaker 2: you know, the mortgage on another house. That's the only

630
00:32:40,760 --> 00:32:41,720
Speaker 2: way I could see that.

631
00:32:41,960 --> 00:32:44,640
Speaker 1: I think it took me a couple of times reading this,

632
00:32:44,680 --> 00:32:47,640
Speaker 1: but I'm actually very interested in this because so I

633
00:32:47,680 --> 00:32:50,760
Speaker 1: think what this listener is saying she once remain anonymous,

634
00:32:50,840 --> 00:32:52,800
Speaker 1: is that so she has fifteen years left on her

635
00:32:52,840 --> 00:32:55,840
Speaker 1: mortgage she has. So the key things that a mortgage

636
00:32:55,880 --> 00:32:57,960
Speaker 1: lender is looking at when they are seeing if you

637
00:32:58,040 --> 00:33:02,240
Speaker 1: qualify or not, and it's very or the underwriting process

638
00:33:02,360 --> 00:33:04,640
Speaker 1: or like the vetting process for getting a home equity

639
00:33:04,680 --> 00:33:07,720
Speaker 1: loan as it is for a traditional mortgage, because it's

640
00:33:07,720 --> 00:33:11,400
Speaker 1: basically the same thing, just probably a lower amount. Anyway,

641
00:33:11,480 --> 00:33:13,520
Speaker 1: So the key things when you're applying for a mortgage

642
00:33:13,560 --> 00:33:15,960
Speaker 1: that they're looking for is what your DTI your debt

643
00:33:16,080 --> 00:33:19,200
Speaker 1: income ratio. That's how much your monthly debt payments are

644
00:33:19,280 --> 00:33:22,280
Speaker 1: versus your monthly income and then your credit score. And

645
00:33:22,320 --> 00:33:25,560
Speaker 1: she's saying her credit score is actually good at seven hundred,

646
00:33:25,880 --> 00:33:27,880
Speaker 1: but she has a lot of student loans that she

647
00:33:27,920 --> 00:33:29,960
Speaker 1: took on for her children. Sounds like she might have

648
00:33:30,000 --> 00:33:32,800
Speaker 1: co signed them or taken them out herself, and she's

649
00:33:32,840 --> 00:33:36,440
Speaker 1: not able to qualify for a refi because she's saying

650
00:33:36,520 --> 00:33:39,479
Speaker 1: that the mortgage she has now stay with me is

651
00:33:39,680 --> 00:33:43,120
Speaker 1: double the going interest rate that's being offered. She says, so,

652
00:33:43,160 --> 00:33:45,680
Speaker 1: I think what's happening is like a lot of homeowners

653
00:33:45,720 --> 00:33:48,360
Speaker 1: with mortgages right now who have rates that are a

654
00:33:48,400 --> 00:33:50,760
Speaker 1: lot higher than what's the going rate right now. It's

655
00:33:50,840 --> 00:33:53,920
Speaker 1: what three something I forget or even lower. It's been

656
00:33:54,320 --> 00:33:57,640
Speaker 1: lower than three. She's saying, like the standard thing would

657
00:33:57,640 --> 00:34:00,320
Speaker 1: be to do a refine, right yase, yeah, because then

658
00:34:00,360 --> 00:34:02,360
Speaker 1: I could get a lower interest rate and save money,

659
00:34:02,640 --> 00:34:07,200
Speaker 1: but because of her high debt balance, she can't do that.

660
00:34:07,280 --> 00:34:08,799
Speaker 1: We we we with you now.

661
00:34:11,239 --> 00:34:11,799
Speaker 2: Putting down.

662
00:34:13,160 --> 00:34:16,640
Speaker 1: So her idea is so with a home equity loan,

663
00:34:16,840 --> 00:34:19,800
Speaker 1: basically this is like a I mean, the underwriting process

664
00:34:19,840 --> 00:34:22,160
Speaker 1: is still similar because you are, like, you know, applying

665
00:34:22,200 --> 00:34:23,800
Speaker 1: for a loan from a bank and your home is

666
00:34:23,840 --> 00:34:27,319
Speaker 1: securing it that maybe she'll get qualified for a home

667
00:34:27,320 --> 00:34:30,480
Speaker 1: equity loan that would help her pay off her mortgage

668
00:34:30,480 --> 00:34:34,680
Speaker 1: a little bit quicker. I still don't know if you qualify,

669
00:34:35,040 --> 00:34:37,560
Speaker 1: because they're going to look at your DTI too, and

670
00:34:37,600 --> 00:34:40,120
Speaker 1: they're going to consider that new home equity loan part

671
00:34:40,160 --> 00:34:42,680
Speaker 1: of your debt. When they do that, like they're going

672
00:34:42,760 --> 00:34:45,880
Speaker 1: to say, I don't know. I mean, I mean you

673
00:34:45,920 --> 00:34:48,719
Speaker 1: can try. I'm actually could you try and let us know?

674
00:34:48,760 --> 00:34:49,920
Speaker 1: Because I'm very curious.

675
00:34:50,880 --> 00:34:53,840
Speaker 2: Yeah. Well, because although it might be easier because to

676
00:34:53,880 --> 00:34:58,520
Speaker 2: her point that you know, the houses, the the collateral,

677
00:34:58,600 --> 00:35:01,799
Speaker 2: you know, yeah, so I mean you never Here's the

678
00:35:01,840 --> 00:35:05,560
Speaker 2: thing I ask, like, don't say, hey, I'm doing this

679
00:35:05,600 --> 00:35:08,200
Speaker 2: has a way to get around just say, you know,

680
00:35:08,360 --> 00:35:09,880
Speaker 2: like I would. I would reach out to like a

681
00:35:09,920 --> 00:35:13,000
Speaker 2: mortgage broker and just ask and just say, you know, hey,

682
00:35:13,040 --> 00:35:15,120
Speaker 2: this is what I was thinking. Because then you you

683
00:35:15,160 --> 00:35:19,520
Speaker 2: to your point. But the only thing is Manda, what

684
00:35:19,640 --> 00:35:26,000
Speaker 2: about she hmmm cash out REFI Is that what she's

685
00:35:26,040 --> 00:35:28,239
Speaker 2: trying to do, because like.

686
00:35:28,719 --> 00:35:31,320
Speaker 1: She might want to kill two brands with one stone,

687
00:35:31,400 --> 00:35:34,160
Speaker 1: like refin her mortgage, but with the cash out REFI

688
00:35:34,760 --> 00:35:37,400
Speaker 1: you actually take cash out at the same time, so

689
00:35:37,480 --> 00:35:40,120
Speaker 1: maybe she's thinking refine refinance, so let I get a

690
00:35:40,120 --> 00:35:43,279
Speaker 1: lower rate check and then take cash out. So but

691
00:35:43,320 --> 00:35:45,600
Speaker 1: then put it right back, Yeah, put it right back.

692
00:35:45,800 --> 00:35:48,040
Speaker 2: I mean it's possible. It's possible because we were going

693
00:35:48,080 --> 00:35:51,120
Speaker 2: to do a cash out refly and basically to your point, well,

694
00:35:51,600 --> 00:35:53,759
Speaker 2: it's did well because our house is paid off. So

695
00:35:54,000 --> 00:35:57,120
Speaker 2: I don't know. It wasn't like am I swapping a mortgage,

696
00:35:57,200 --> 00:35:59,240
Speaker 2: you know, basically want to swap one mortgage for another.

697
00:35:59,320 --> 00:36:01,960
Speaker 2: I had It's worth a try. I don't know. I'm

698
00:36:02,000 --> 00:36:04,319
Speaker 2: not a mortgage brokeer, so I don't know if that

699
00:36:04,360 --> 00:36:06,359
Speaker 2: would be you know, if they allow it.

700
00:36:06,440 --> 00:36:09,919
Speaker 1: But yeah, yeah, I also think, you know, if it's

701
00:36:09,920 --> 00:36:12,480
Speaker 1: true that you've got student loan debt that you've took

702
00:36:12,520 --> 00:36:14,960
Speaker 1: taken on for your children, but your credit score is

703
00:36:15,000 --> 00:36:16,839
Speaker 1: seven hundred, you know, I wonder if a bank would

704
00:36:16,840 --> 00:36:20,279
Speaker 1: be willing to work with you even with your the

705
00:36:20,320 --> 00:36:22,840
Speaker 1: amount of student loan debt and doesn't sound like you

706
00:36:22,960 --> 00:36:24,799
Speaker 1: have you know, check to see if you've been pre

707
00:36:24,880 --> 00:36:28,160
Speaker 1: approved for refinance, but maybe you should try you know,

708
00:36:28,280 --> 00:36:31,080
Speaker 1: credit Union and with the you know, I don't know

709
00:36:31,120 --> 00:36:32,920
Speaker 1: what kind of student loan debt. It is, or if

710
00:36:32,920 --> 00:36:35,080
Speaker 1: you have like let's say it's federal and then you

711
00:36:35,160 --> 00:36:39,239
Speaker 1: have access to an income based repayment plan, maybe there's

712
00:36:39,280 --> 00:36:41,840
Speaker 1: a way, because it does. You know, it's it sucks

713
00:36:41,880 --> 00:36:44,239
Speaker 1: if you're a homeowner and I have family in the

714
00:36:44,239 --> 00:36:47,080
Speaker 1: same position, Like they lost their jobs last year, but

715
00:36:47,320 --> 00:36:50,279
Speaker 1: their rate is like six percent. They'd love to refinance,

716
00:36:50,440 --> 00:36:52,600
Speaker 1: but they can't because a bank needs to see employments

717
00:36:52,760 --> 00:36:56,239
Speaker 1: for yes, so you're just stuck. It's just like, it's

718
00:36:56,280 --> 00:36:59,480
Speaker 1: another example of how the financial institutions and the way

719
00:36:59,520 --> 00:37:02,400
Speaker 1: that financial systems work just don't work for poor people

720
00:37:02,600 --> 00:37:06,319
Speaker 1: and people. Yeah, it's a shame. But thank you for

721
00:37:06,360 --> 00:37:10,240
Speaker 1: this really challenging question. Yes, I just like talking about

722
00:37:10,239 --> 00:37:13,520
Speaker 1: home equity loans. Okay, here's a similar one too, so

723
00:37:13,920 --> 00:37:17,120
Speaker 1: uh wait a second, Oh oh this is why. So

724
00:37:17,160 --> 00:37:18,920
Speaker 1: this is actually not a question. She's just sharing a

725
00:37:18,960 --> 00:37:20,920
Speaker 1: win with us. Can we share a win from a listener?

726
00:37:21,000 --> 00:37:21,719
Speaker 2: Yeah, I'd love that.

727
00:37:21,800 --> 00:37:24,279
Speaker 1: We're down with that. Okay, wants to remain anonymous, but

728
00:37:24,320 --> 00:37:26,359
Speaker 1: she says, I've been listening to your show and it's

729
00:37:26,440 --> 00:37:29,120
Speaker 1: made me think more wisely about the money decisions that

730
00:37:29,160 --> 00:37:31,719
Speaker 1: I make. So I decided to do a second mortgage

731
00:37:31,719 --> 00:37:34,080
Speaker 1: and pay off all my credit card debt. The interest

732
00:37:34,160 --> 00:37:36,800
Speaker 1: rate I got on my home equity loan was way lower.

733
00:37:37,200 --> 00:37:40,360
Speaker 1: Some of my cards had interest rates of over twenty percent.

734
00:37:40,880 --> 00:37:42,799
Speaker 1: I was able to get a home equity loan at

735
00:37:42,800 --> 00:37:45,239
Speaker 1: four percent and paid off all my credit card debt

736
00:37:45,400 --> 00:37:48,000
Speaker 1: the icing on the cake. My credit score increased by

737
00:37:48,080 --> 00:37:52,040
Speaker 1: ninety five points. Just wanted to thank my money BFFs.

738
00:37:52,120 --> 00:37:56,840
Speaker 1: In my head, that's wonderful. Okay, that's like more traditional

739
00:37:57,080 --> 00:37:59,480
Speaker 1: and this is you know, there's pros and cons to that, right,

740
00:38:00,120 --> 00:38:02,799
Speaker 1: taking out a home equity loan. Again, the pro is

741
00:38:02,800 --> 00:38:06,560
Speaker 1: that because you're securing it with collateral being your house,

742
00:38:06,960 --> 00:38:09,600
Speaker 1: the bank is willing to give you a decent much

743
00:38:09,719 --> 00:38:11,520
Speaker 1: a much lower rate than you might get from like

744
00:38:11,560 --> 00:38:13,920
Speaker 1: a credit card. And that is yeah, that is something

745
00:38:13,960 --> 00:38:15,600
Speaker 1: that you can do with that money. It's yours to

746
00:38:15,640 --> 00:38:17,640
Speaker 1: do with what you as you wish whenever you get it.

747
00:38:18,000 --> 00:38:20,920
Speaker 1: So using it to consolidate credit card debt is is

748
00:38:20,920 --> 00:38:21,959
Speaker 1: an option for sure.

749
00:38:22,680 --> 00:38:24,640
Speaker 2: No, yeah, I was like, and you did it right

750
00:38:24,680 --> 00:38:29,680
Speaker 2: now because now you owe but at a rate that

751
00:38:29,960 --> 00:38:34,480
Speaker 2: is significantly less, So that is definitely a win. Sometimes

752
00:38:34,480 --> 00:38:36,800
Speaker 2: like the reason why. You hear some financial gurus and

753
00:38:36,800 --> 00:38:40,000
Speaker 2: stuff say like, oh, basically you're trading debt for debt. No,

754
00:38:40,320 --> 00:38:46,360
Speaker 2: I mean, yes, you are. You're trading a debt for debt,

755
00:38:46,680 --> 00:38:51,239
Speaker 2: but less expensive debt. You're trading less expensive debt, and

756
00:38:51,280 --> 00:38:54,399
Speaker 2: the key is to really pay down that less expensive debt,

757
00:38:54,440 --> 00:38:56,040
Speaker 2: not to run the other debt back up again.

758
00:38:56,400 --> 00:38:59,040
Speaker 1: Yeah, just put those cards away. That's what you have

759
00:38:59,080 --> 00:38:59,879
Speaker 1: to do. That's the key.

760
00:39:00,239 --> 00:39:00,400
Speaker 2: You know.

761
00:39:00,440 --> 00:39:02,000
Speaker 1: When I used to work for a company where we

762
00:39:02,040 --> 00:39:05,799
Speaker 1: would help match people to different loan options, the sad

763
00:39:05,800 --> 00:39:09,080
Speaker 1: thing was how many repeat customers there were for loans

764
00:39:09,120 --> 00:39:12,920
Speaker 1: like this and for personal loans because or debt consolidation loans,

765
00:39:13,320 --> 00:39:15,879
Speaker 1: because yeah, it was just like a band aid. I'm

766
00:39:15,880 --> 00:39:17,839
Speaker 1: going to get this loan, pay off my high interest debt,

767
00:39:17,920 --> 00:39:20,440
Speaker 1: and I'm gonna you know, I have this feeling of

768
00:39:20,520 --> 00:39:23,120
Speaker 1: like I've done something, I'm taking care of it, and

769
00:39:23,160 --> 00:39:26,000
Speaker 1: then the old habits rear their ugly heads again.

770
00:39:26,440 --> 00:39:26,680
Speaker 2: Yep.

771
00:39:26,800 --> 00:39:27,879
Speaker 1: Yeah, so this.

772
00:39:27,920 --> 00:39:30,000
Speaker 2: Was one of the reasons why these companies love them.

773
00:39:30,040 --> 00:39:31,440
Speaker 2: Not you, girl, that's not what you're going to do.

774
00:39:31,760 --> 00:39:33,560
Speaker 2: But I'm yes saying you want to be just mindful.

775
00:39:33,560 --> 00:39:36,440
Speaker 2: I tell people, you know, yourself best. You know, like,

776
00:39:36,880 --> 00:39:39,279
Speaker 2: if you know you're not quite ready to pay off

777
00:39:39,320 --> 00:39:42,600
Speaker 2: any kind of debt, whether it's expensive or otherwise, then

778
00:39:42,880 --> 00:39:44,760
Speaker 2: you know, get to a place where you do feel

779
00:39:44,760 --> 00:39:47,440
Speaker 2: ready that if you chew trade in your expensive debt

780
00:39:47,480 --> 00:39:51,160
Speaker 2: for your less expensive debt through refinancing, through balanced transfer,

781
00:39:51,400 --> 00:39:53,799
Speaker 2: whatever that looks like, then you know, because it could

782
00:39:53,840 --> 00:39:56,560
Speaker 2: really be beneficial. That's how that was one of the

783
00:39:56,600 --> 00:39:58,480
Speaker 2: ways I was able to dig myself out of that

784
00:39:59,040 --> 00:40:01,400
Speaker 2: scam that I experience in my twenties is that I

785
00:40:01,480 --> 00:40:04,279
Speaker 2: transferred all of that debt, that thirty five thousand dollars

786
00:40:04,280 --> 00:40:06,480
Speaker 2: in credit card debt to credit cards that had the

787
00:40:06,719 --> 00:40:09,040
Speaker 2: zero percent interest rate, And so I was able to

788
00:40:09,040 --> 00:40:11,680
Speaker 2: pay it off by doing that, you know, and so

789
00:40:12,120 --> 00:40:14,200
Speaker 2: because I was ready to really like stick to it.

790
00:40:14,520 --> 00:40:16,719
Speaker 2: So it's helpful if you're ready to stick to it,

791
00:40:16,760 --> 00:40:18,840
Speaker 2: but can actually be very harmful if you're not.

792
00:40:19,960 --> 00:40:22,480
Speaker 1: Well, I'm glad that it worked out for you. Yeah, Anonymous,

793
00:40:22,480 --> 00:40:24,520
Speaker 1: I wish we could say your name, but go girl,

794
00:40:24,680 --> 00:40:27,040
Speaker 1: that's amazing it is that this is just the beginning

795
00:40:27,080 --> 00:40:29,280
Speaker 1: of a fresh start for you. Is that a jump

796
00:40:29,320 --> 00:40:33,960
Speaker 1: like Jordan moved tip ninety five points? Yes, girl, jump

797
00:40:34,080 --> 00:40:36,960
Speaker 1: like Jordan, not to steal your catchphrase, drift do I

798
00:40:36,960 --> 00:40:38,440
Speaker 1: owe you now a real girl?

799
00:40:38,480 --> 00:40:40,879
Speaker 2: Please? That's not even my cashphrase. He like, I want

800
00:40:40,920 --> 00:40:44,600
Speaker 2: to go for my U that said jump like Jordan. Girl,

801
00:40:44,600 --> 00:40:46,200
Speaker 2: it was gone. I was like, you know what, I

802
00:40:46,200 --> 00:40:48,080
Speaker 2: ain't even mad, bro, I was supposed to say all

803
00:40:48,160 --> 00:40:52,000
Speaker 2: that because someone said girl. I was trying to share

804
00:40:52,080 --> 00:40:54,400
Speaker 2: my jump like Jordan YouTube video with my cousin. I

805
00:40:54,400 --> 00:40:57,440
Speaker 2: can't find it. I was like, really jump like ooh.

806
00:40:57,480 --> 00:40:58,640
Speaker 2: He was like, not up in here.

807
00:41:01,280 --> 00:41:03,040
Speaker 1: That's like when I try and post a cute video.

808
00:41:03,320 --> 00:41:05,000
Speaker 1: I think I posted a cute video of me and

809
00:41:05,040 --> 00:41:07,200
Speaker 1: the baby dancing and Instagram was like, we're taking that

810
00:41:07,280 --> 00:41:09,840
Speaker 1: down because you do not have that blumah song. You

811
00:41:09,880 --> 00:41:13,720
Speaker 1: know you're not the owner of that song anyway. All right, sweet,

812
00:41:13,800 --> 00:41:16,440
Speaker 1: let's take one more quick question. This one I thought

813
00:41:16,600 --> 00:41:20,320
Speaker 1: was interesting and let me see another anonymous listener that's mine,

814
00:41:20,440 --> 00:41:24,239
Speaker 1: no judgment. Interesting question though, So this question is she says,

815
00:41:24,280 --> 00:41:27,319
Speaker 1: I'm considering leaving a semi government job that I've had

816
00:41:27,360 --> 00:41:30,440
Speaker 1: for twelve years to go to a financial planning position

817
00:41:30,640 --> 00:41:33,319
Speaker 1: where the company is on a growth path. When they

818
00:41:33,360 --> 00:41:35,880
Speaker 1: asked me about my salary, range. I gave a range

819
00:41:36,040 --> 00:41:38,040
Speaker 1: just a few thousand more than what I make now.

820
00:41:38,520 --> 00:41:41,120
Speaker 1: I responded quickly because I wanted to show my excitement

821
00:41:41,120 --> 00:41:44,480
Speaker 1: and interest. I did my thorough job salary search after

822
00:41:44,560 --> 00:41:47,520
Speaker 1: I submitted my range and realized I was short changing

823
00:41:47,560 --> 00:41:52,680
Speaker 1: myself by five thousand dollars at least out they're still interviewing,

824
00:41:53,080 --> 00:41:56,440
Speaker 1: as I've gone through two of three rounds. When they

825
00:41:56,440 --> 00:41:58,200
Speaker 1: offered me the job. I love that she's like, when

826
00:41:58,280 --> 00:42:00,400
Speaker 1: not if? When they offer me the job and they

827
00:42:00,440 --> 00:42:03,440
Speaker 1: stay within my range, should I counteroffer based on my

828
00:42:03,560 --> 00:42:06,160
Speaker 1: research even if it's outside the salary range that I

829
00:42:06,200 --> 00:42:08,799
Speaker 1: stated Originally? I know I want this job and I

830
00:42:08,800 --> 00:42:11,080
Speaker 1: don't want to ruin my chances for getting my foot

831
00:42:11,120 --> 00:42:11,680
Speaker 1: in the door.

832
00:42:13,239 --> 00:42:14,840
Speaker 2: I had a yes, but I don't know. I feel like,

833
00:42:14,840 --> 00:42:17,600
Speaker 2: you know, you you are our career, our career go

834
00:42:17,680 --> 00:42:18,600
Speaker 2: to what do you what.

835
00:42:18,600 --> 00:42:20,600
Speaker 1: Do you have something? I mean, what if you know?

836
00:42:20,680 --> 00:42:23,400
Speaker 1: What if you like, you know a speaker or a

837
00:42:23,440 --> 00:42:25,480
Speaker 1: speaker I don't know. Speaking. Engagement was like hey can

838
00:42:25,560 --> 00:42:27,279
Speaker 1: you do this? And you're just like so excited, You're like, yeah,

839
00:42:27,280 --> 00:42:29,719
Speaker 1: I'll do it for twenty K. And then you find

840
00:42:29,760 --> 00:42:32,399
Speaker 1: out that, huh, I've done that you have you find

841
00:42:32,400 --> 00:42:34,200
Speaker 1: out you could have gotten more? What would you do

842
00:42:34,239 --> 00:42:34,719
Speaker 1: in that case?

843
00:42:34,880 --> 00:42:36,600
Speaker 2: Girl? I ate the loss, but I don't know if

844
00:42:36,600 --> 00:42:38,799
Speaker 2: I should have, you know what I mean.

845
00:42:39,520 --> 00:42:42,920
Speaker 1: Yeah, my friend actually asked me this not that long ago.

846
00:42:43,080 --> 00:42:45,520
Speaker 1: He was in the middle of interviewing for jobs in

847
00:42:45,600 --> 00:42:48,320
Speaker 1: media and he did the same thing, like someone reached

848
00:42:48,320 --> 00:42:51,280
Speaker 1: out and and listen. I've it on the hiring side,

849
00:42:51,360 --> 00:42:54,959
Speaker 1: and often it makes it makes the job a little

850
00:42:54,960 --> 00:42:57,799
Speaker 1: bit easier to see if you can afford someone, if

851
00:42:57,840 --> 00:42:59,560
Speaker 1: you kind of get a sense of what they're thinking,

852
00:43:00,160 --> 00:43:02,080
Speaker 1: and if they tell you a range that's like really

853
00:43:02,080 --> 00:43:04,279
Speaker 1: crazy high, then you can say, okay, maybe you're out

854
00:43:04,280 --> 00:43:08,080
Speaker 1: of our price range. So yeah, recruiters will sometimes ask

855
00:43:08,120 --> 00:43:10,560
Speaker 1: that question, or even hiring managers just to kind of

856
00:43:10,600 --> 00:43:12,239
Speaker 1: like weed out people who may be way out of

857
00:43:12,280 --> 00:43:15,560
Speaker 1: their price range. But you don't have to answer. It's

858
00:43:15,600 --> 00:43:18,479
Speaker 1: okay not to answer, but listen, the damage has been done.

859
00:43:18,520 --> 00:43:20,600
Speaker 1: She's answered, and so did my friend who asked me

860
00:43:20,600 --> 00:43:24,040
Speaker 1: the same question. And my advice to them was absolutely

861
00:43:24,120 --> 00:43:27,880
Speaker 1: go back and ask for more. Listen, there's no like,

862
00:43:28,040 --> 00:43:33,040
Speaker 1: it's not over till it's over. And honestly, you shouldn't.

863
00:43:33,080 --> 00:43:35,920
Speaker 1: I mean, just go confidently, and especially because you did

864
00:43:35,920 --> 00:43:39,480
Speaker 1: it early, go confidently into that job offer and say,

865
00:43:39,560 --> 00:43:42,600
Speaker 1: you know, when I was first talking to you, I'm

866
00:43:42,680 --> 00:43:48,040
Speaker 1: new to this profession. I'm leaving a job with different responsibilities.

867
00:43:48,200 --> 00:43:50,480
Speaker 1: I've heard what you guys have had to say about

868
00:43:50,520 --> 00:43:53,080
Speaker 1: this position, and I actually think that a more reasonable

869
00:43:53,160 --> 00:43:55,759
Speaker 1: range would be X, Y Z and absolutely, and I

870
00:43:55,760 --> 00:43:58,560
Speaker 1: would say, you know, even if you get the offer back,

871
00:43:59,080 --> 00:44:02,719
Speaker 1: still just say hey, I would like a high. I

872
00:44:02,760 --> 00:44:04,520
Speaker 1: feel like it's just good practice when you get your

873
00:44:04,560 --> 00:44:08,239
Speaker 1: first offer to counteroffer and have a reason for doing it,

874
00:44:08,280 --> 00:44:11,120
Speaker 1: but to counteroffer, and all the worst they can do

875
00:44:11,200 --> 00:44:15,080
Speaker 1: is say no, you're not. I personally feel confident that

876
00:44:15,760 --> 00:44:18,680
Speaker 1: you most likely will not lose the job at that point,

877
00:44:18,800 --> 00:44:21,440
Speaker 1: Like they have invested so much time into hiring you.

878
00:44:22,000 --> 00:44:24,279
Speaker 1: Interviews take a long time, hiring is a pain in

879
00:44:24,320 --> 00:44:26,279
Speaker 1: the you know what, and they don't want to go

880
00:44:26,320 --> 00:44:29,600
Speaker 1: back to ground, to the starting point, you know, so

881
00:44:30,440 --> 00:44:32,960
Speaker 1: when you're at the negotiating stage, you know, when you've

882
00:44:33,000 --> 00:44:35,080
Speaker 1: got your offer, you can absolutely go back. And I

883
00:44:35,120 --> 00:44:38,600
Speaker 1: would say, do it confidently. It's like an email to

884
00:44:38,760 --> 00:44:41,640
Speaker 1: HR at the most, you know, and if they say no,

885
00:44:41,719 --> 00:44:44,200
Speaker 1: they say no. But I highly doubt you would risk

886
00:44:44,280 --> 00:44:46,239
Speaker 1: not getting the job just because of that and.

887
00:44:46,239 --> 00:44:47,680
Speaker 2: Because here's the thing, you don't want to be like

888
00:44:47,760 --> 00:44:50,640
Speaker 2: me and that Like I had this gut feeling because

889
00:44:50,640 --> 00:44:52,840
Speaker 2: it was a series of speaking engaged, so was it

890
00:44:52,880 --> 00:44:55,880
Speaker 2: was compounded, and it was like every time it was

891
00:44:55,920 --> 00:44:59,440
Speaker 2: a five part like series. Every time I spoke, I

892
00:44:59,480 --> 00:45:05,480
Speaker 2: was you know, you know want that in your life.

893
00:45:06,840 --> 00:45:09,359
Speaker 1: I just picture you to like, right, I mean I

894
00:45:09,360 --> 00:45:11,319
Speaker 1: guess we can talk about right, like what.

895
00:45:11,280 --> 00:45:15,520
Speaker 2: Do you mean your credit score? Girls pick up? Yeah,

896
00:45:15,560 --> 00:45:17,000
Speaker 2: so you don't want that kind of energy because you know,

897
00:45:17,040 --> 00:45:18,520
Speaker 2: you don't want to be working there with like, you know,

898
00:45:18,560 --> 00:45:24,200
Speaker 2: a little bitterness. So like one of the things I'm

899
00:45:24,200 --> 00:45:28,680
Speaker 2: working on is not choosing safety when safety is guaranteed,

900
00:45:29,719 --> 00:45:30,400
Speaker 2: meaning that.

901
00:45:30,320 --> 00:45:31,640
Speaker 1: Like easier said than done.

902
00:45:31,719 --> 00:45:33,440
Speaker 2: It is very but that's why I'm working on a girl,

903
00:45:33,440 --> 00:45:35,799
Speaker 2: We're working on off working on it right, meaning that

904
00:45:35,920 --> 00:45:38,120
Speaker 2: like let's just say it's almost for example, like how

905
00:45:38,120 --> 00:45:40,040
Speaker 2: you still polic for college and they're like, Okay, here's

906
00:45:40,040 --> 00:45:42,799
Speaker 2: your schools. Your safety school is Rutgers, Your your your

907
00:45:42,840 --> 00:45:47,239
Speaker 2: dream schools Emory, and your reach is Princeton. Why just

908
00:45:47,320 --> 00:45:49,680
Speaker 2: apply to Rutgers and go there. If I know one

909
00:45:49,719 --> 00:45:52,560
Speaker 2: hundred percent I can go to Rutgers. Why not try

910
00:45:52,600 --> 00:45:54,080
Speaker 2: for Princeton. Oh I didn't get Print, so then I

911
00:45:54,200 --> 00:45:55,879
Speaker 2: go for Emory Or I didn't get Emory. Okay, well,

912
00:45:55,920 --> 00:46:00,040
Speaker 2: I I know Rutgers is definitely gonna say yes. So

913
00:46:00,040 --> 00:46:03,360
Speaker 2: that's really the key. Like if you it, you know

914
00:46:03,480 --> 00:46:06,719
Speaker 2: that you can always get that salary, you know, why

915
00:46:06,760 --> 00:46:10,359
Speaker 2: not go for the gusto and see if you can

916
00:46:10,440 --> 00:46:12,239
Speaker 2: reach for more? Because Tomandy's point, they put a lot

917
00:46:12,239 --> 00:46:13,759
Speaker 2: of time and energy. I'm just telling you right now,

918
00:46:13,760 --> 00:46:16,960
Speaker 2: we just hired a new person for our finance team,

919
00:46:17,000 --> 00:46:19,239
Speaker 2: a controller to really help with like our numbers and

920
00:46:19,880 --> 00:46:23,080
Speaker 2: financial component at the Literature Academy. Girl, that was a

921
00:46:23,120 --> 00:46:25,839
Speaker 2: six month process to find her. You think I'm trying

922
00:46:25,880 --> 00:46:28,120
Speaker 2: to do that again, right you?

923
00:46:28,320 --> 00:46:29,439
Speaker 1: Sorry? I got very loud.

924
00:46:29,600 --> 00:46:31,880
Speaker 2: No, it's true, but I don't you know what I mean. Like,

925
00:46:31,920 --> 00:46:34,000
Speaker 2: so if someone want to come to me and say, hey, Tavin, look,

926
00:46:34,000 --> 00:46:36,160
Speaker 2: I'm just gonna make up a number, you know, I

927
00:46:36,280 --> 00:46:38,240
Speaker 2: you know, I know, I said I wanted ten dollars,

928
00:46:38,239 --> 00:46:39,879
Speaker 2: but I was really like, oh, I should have really

929
00:46:39,880 --> 00:46:42,640
Speaker 2: said twelve. I'd be like, honestly, let me look at

930
00:46:42,640 --> 00:46:44,600
Speaker 2: the budget, because since what we're not going to do

931
00:46:44,800 --> 00:46:47,799
Speaker 2: is like, if it's within the budget, I'm not risk

932
00:46:48,080 --> 00:46:51,200
Speaker 2: letting her go because I don't have six months to

933
00:46:51,239 --> 00:46:55,160
Speaker 2: look for a new finance person. I just it was

934
00:46:55,200 --> 00:46:58,480
Speaker 2: so hard to find you, you know. So Mandy is right,

935
00:46:58,520 --> 00:47:01,840
Speaker 2: and me, as someone who employs people, I absolutely agree.

936
00:47:01,840 --> 00:47:05,000
Speaker 2: If I think you're amazing and the budget can can

937
00:47:05,080 --> 00:47:08,799
Speaker 2: hold it, then I'm willing to negotiate to make it

938
00:47:08,840 --> 00:47:11,640
Speaker 2: work because I'm like, uh, it's a lot of time

939
00:47:11,680 --> 00:47:15,239
Speaker 2: and efforts, is no you we go together? Now, you

940
00:47:15,280 --> 00:47:16,080
Speaker 2: ain't going nowhere.

941
00:47:17,080 --> 00:47:20,000
Speaker 1: Yeah, I've used this and I've meant it when I've

942
00:47:20,080 --> 00:47:22,160
Speaker 1: used it in the past when I've been asking for

943
00:47:22,200 --> 00:47:24,040
Speaker 1: more and I'm a sweat and under the arm puts

944
00:47:24,080 --> 00:47:26,880
Speaker 1: because it's like a lot more than I had owned

945
00:47:27,120 --> 00:47:29,880
Speaker 1: or earned it my previous job. But I have said

946
00:47:30,760 --> 00:47:32,879
Speaker 1: the truth, which is that, you know, I really see

947
00:47:32,880 --> 00:47:34,640
Speaker 1: this as a long term job for me. It's not

948
00:47:34,719 --> 00:47:36,600
Speaker 1: just the next the place I'm going to be at

949
00:47:36,640 --> 00:47:38,520
Speaker 1: for the next couple of years. It's a place where

950
00:47:38,560 --> 00:47:40,480
Speaker 1: I want to be for several years. And I also

951
00:47:40,640 --> 00:47:43,400
Speaker 1: really want to be excited. I want compensation to reflect

952
00:47:43,440 --> 00:47:45,319
Speaker 1: how excited I am. And how perfect I am for

953
00:47:45,360 --> 00:47:47,520
Speaker 1: this job. So can we get those things closer together?

954
00:47:47,920 --> 00:47:51,360
Speaker 1: And then you have a number in mind. But yeah,

955
00:47:51,680 --> 00:47:54,600
Speaker 1: I definitely think that you should. Hopefully you didn't send

956
00:47:54,600 --> 00:47:56,879
Speaker 1: this question that long ago. Hopefully we got you in time. Yes,

957
00:47:57,400 --> 00:48:00,560
Speaker 1: let us definitely go back, let us know, let us know.

958
00:48:01,680 --> 00:48:04,560
Speaker 1: All right, Well, thank y'all again for your questions. Let

959
00:48:04,560 --> 00:48:06,759
Speaker 1: me get the phone number again, you know, if y'all

960
00:48:06,760 --> 00:48:09,640
Speaker 1: want to drop us a little voicemail six.

961
00:48:09,560 --> 00:48:12,799
Speaker 2: Seven five to you. No, don't go he I know

962
00:48:13,280 --> 00:48:13,879
Speaker 2: it's not that.

963
00:48:16,239 --> 00:48:18,520
Speaker 1: I know we need like we need the Seleno and

964
00:48:18,600 --> 00:48:19,280
Speaker 1: Barnes jingle.

965
00:48:19,600 --> 00:48:23,920
Speaker 2: We do you know industry.

966
00:48:23,280 --> 00:48:27,600
Speaker 1: Again confusing, that's some good marketing.

967
00:48:27,640 --> 00:48:29,520
Speaker 2: I'm such a latchkey kid, because that's like the stuff

968
00:48:29,520 --> 00:48:31,239
Speaker 2: that you like. You know, just watch a TV where

969
00:48:31,280 --> 00:48:32,319
Speaker 2: you give home. That was my.

970
00:48:32,239 --> 00:48:36,919
Speaker 1: Babysitter and Georgia it was mont Licking Associates. You don't

971
00:48:37,000 --> 00:48:39,879
Speaker 1: have to settle for love, Okay, our number though, because

972
00:48:39,880 --> 00:48:41,200
Speaker 1: that's what you're here to talk to you, right, You

973
00:48:41,280 --> 00:48:44,000
Speaker 1: can leave us a voicemail on our hotline eight four

974
00:48:44,080 --> 00:48:48,040
Speaker 1: four eight five eight eight zero eight zero eight four

975
00:48:48,200 --> 00:48:50,879
Speaker 1: four eight five eight eight zero eight zero. You can

976
00:48:50,960 --> 00:48:53,520
Speaker 1: leave us a voicemail. You can text us and you

977
00:48:53,600 --> 00:48:56,200
Speaker 1: may actually hear your voice. That's the cool thing about it.

978
00:48:56,280 --> 00:48:59,319
Speaker 1: On the show, asking us your questions. Now, don't read

979
00:48:59,400 --> 00:49:02,480
Speaker 1: us a long, long statement. Don't tell us what.

980
00:49:02,640 --> 00:49:04,000
Speaker 2: Don't tell your name if you don't want us to

981
00:49:04,000 --> 00:49:05,560
Speaker 2: say it. Don't say my name is Anna, but but

982
00:49:05,560 --> 00:49:07,640
Speaker 2: don't say my name. Just don't say just.

983
00:49:07,600 --> 00:49:10,240
Speaker 1: Don't say it. Make up a name, my name is Darley,

984
00:49:10,239 --> 00:49:12,440
Speaker 1: and use a voice descrieser whatever you want to do.

985
00:49:13,080 --> 00:49:15,279
Speaker 1: But yeah, I'm excited to see what comes through. Thanks

986
00:49:15,320 --> 00:49:19,360
Speaker 1: y'all for your questions, and let's get onto the last

987
00:49:19,440 --> 00:49:20,600
Speaker 1: and final segment.

988
00:49:21,960 --> 00:49:30,880
Speaker 2: It's it's time to boostop break or boo? Stop break?

989
00:49:31,600 --> 00:49:36,000
Speaker 2: Are you gonna boost? Are you gonna break? Are you

990
00:49:36,120 --> 00:49:41,000
Speaker 2: gonna cheer? Or say? I can't take anymore? I mean,

991
00:49:41,040 --> 00:49:42,960
Speaker 2: you know, I felt like I had it, but then

992
00:49:42,960 --> 00:49:44,680
Speaker 2: I lost it, but then I you know, you know

993
00:49:44,719 --> 00:49:45,040
Speaker 2: what I mean.

994
00:49:45,120 --> 00:49:47,600
Speaker 1: I'm gonna scoop it up and hand it back to you.

995
00:49:48,160 --> 00:49:50,000
Speaker 2: How you gonna boost? Are you I'm gonna pressally do

996
00:49:50,000 --> 00:49:51,600
Speaker 2: a boosty breaky? What are you gonna do?

997
00:49:52,000 --> 00:49:55,799
Speaker 1: I'm gonna boost? Yes, I'm definitely gonna boost. And one

998
00:49:55,800 --> 00:49:58,560
Speaker 1: more time, just to our our Asian American brothers and

999
00:49:58,600 --> 00:50:00,960
Speaker 1: sisters staying with you, and and my heart goes out

1000
00:50:01,000 --> 00:50:04,160
Speaker 1: to you and just so much love. But I wanted

1001
00:50:04,200 --> 00:50:07,480
Speaker 1: to do a boost because I read that Wyoming has

1002
00:50:07,560 --> 00:50:10,480
Speaker 1: its first black sheriff in one hundred and thirty years.

1003
00:50:10,800 --> 00:50:13,279
Speaker 1: What one hundred and thirty years? So this man's name

1004
00:50:13,360 --> 00:50:16,400
Speaker 1: Aaron Apple. I almost at Apple sauce. Aaron Apple hoos

1005
00:50:17,160 --> 00:50:19,640
Speaker 1: Apple hoss, bless you. In the New York Times, they

1006
00:50:19,680 --> 00:50:21,920
Speaker 1: had a story about him. It's a really, really a

1007
00:50:22,040 --> 00:50:25,560
Speaker 1: cool little profile. But first black man, he's got his dreads,

1008
00:50:25,600 --> 00:50:29,520
Speaker 1: he looks amazing. First black sheriff in Wyoming. That cannot

1009
00:50:29,520 --> 00:50:33,160
Speaker 1: be an easy job. So shout out to Aaron and

1010
00:50:33,280 --> 00:50:36,759
Speaker 1: congrats on making news first but not the last.

1011
00:50:36,840 --> 00:50:40,360
Speaker 2: Right, Yes, no, that's awesome. So I think i'll do

1012
00:50:40,400 --> 00:50:42,319
Speaker 2: my my break. My break is pretty light, but and

1013
00:50:42,320 --> 00:50:43,920
Speaker 2: then i'll boost because it's always nice to end on

1014
00:50:43,960 --> 00:50:47,759
Speaker 2: a good note. So this break goes out to which

1015
00:50:47,800 --> 00:50:51,760
Speaker 2: I'm sure the very lovely couple who was getting married recently,

1016
00:50:52,280 --> 00:50:56,400
Speaker 2: and you were at Michaels and Michaels was closing. It

1017
00:50:56,480 --> 00:50:59,040
Speaker 2: was six fifty and Michael's closest at seven. You in

1018
00:50:59,080 --> 00:51:00,640
Speaker 2: front of me in the frame line, and you were

1019
00:51:00,640 --> 00:51:03,680
Speaker 2: framing some cute little thing for your wedding, which no problem.

1020
00:51:04,000 --> 00:51:05,480
Speaker 2: The lady goes in the back. She say's gonna take

1021
00:51:05,480 --> 00:51:08,600
Speaker 2: a little minute. Okay. I waited for you know, I

1022
00:51:08,600 --> 00:51:10,480
Speaker 2: don't know, ten minutes for her to put your thing

1023
00:51:10,520 --> 00:51:12,520
Speaker 2: in the in the in the frame or whatever. I

1024
00:51:12,560 --> 00:51:15,160
Speaker 2: waited patiently. Girl, had my headphones on, I was listening

1025
00:51:15,160 --> 00:51:18,880
Speaker 2: to podcasts. I was good until you said, can I

1026
00:51:18,960 --> 00:51:22,640
Speaker 2: check out here? And I was like, meanwhile, Michael's is

1027
00:51:22,640 --> 00:51:24,560
Speaker 2: basically empty, and so you could go to the front

1028
00:51:24,600 --> 00:51:25,440
Speaker 2: to check out framing.

1029
00:51:25,440 --> 00:51:25,640
Speaker 3: You know.

1030
00:51:25,680 --> 00:51:27,520
Speaker 2: It's like it's like getting checked out at like the

1031
00:51:28,040 --> 00:51:30,640
Speaker 2: Farmer Center, at like you know, at like Walgreens, you know,

1032
00:51:30,719 --> 00:51:33,480
Speaker 2: like resk. Go to the front because I'm waiting to

1033
00:51:33,520 --> 00:51:37,200
Speaker 2: get my stuff framed. So because I printed out like

1034
00:51:37,280 --> 00:51:39,200
Speaker 2: a poster of the book. So that way when I

1035
00:51:39,280 --> 00:51:41,960
Speaker 2: do like press interviews whatever, like video, you know, you

1036
00:51:41,960 --> 00:51:44,440
Speaker 2: can see the book behind me. Got like I want

1037
00:51:45,120 --> 00:51:46,920
Speaker 2: and so like I saw like love you do, I'm like, ook,

1038
00:51:46,960 --> 00:51:49,640
Speaker 2: I like it stealing that idea. And I saw Nicole

1039
00:51:49,680 --> 00:51:51,800
Speaker 2: Walters do it for her new show She's the Boss,

1040
00:51:52,080 --> 00:51:53,319
Speaker 2: and I was like, oh, I'm going to do that.

1041
00:51:53,680 --> 00:51:55,760
Speaker 2: So I was just like, oh, okay, so I'm waiting.

1042
00:51:55,800 --> 00:51:58,040
Speaker 2: I'm waiting, I'm waiting, and they were like, can you

1043
00:51:58,120 --> 00:52:00,560
Speaker 2: check out here? So I was like internally, oh boy,

1044
00:52:00,600 --> 00:52:03,160
Speaker 2: but you know what, honestly, he's still patient. Then it

1045
00:52:03,239 --> 00:52:06,200
Speaker 2: was like, oh wait, I think we want a different

1046
00:52:06,200 --> 00:52:08,240
Speaker 2: frame because they were buying all these frames for their wedding.

1047
00:52:08,719 --> 00:52:12,239
Speaker 2: So the fiance the woman runs to the aisle to

1048
00:52:12,239 --> 00:52:14,719
Speaker 2: get something else. Oh wait, actually I forgot we have

1049
00:52:14,719 --> 00:52:16,799
Speaker 2: a twenty percent of coupak. Can you use this? Wait?

1050
00:52:16,840 --> 00:52:18,320
Speaker 2: Can you avoid that? Mandy?

1051
00:52:18,400 --> 00:52:21,200
Speaker 1: I was like, oh my, oh my god, I'm enraged

1052
00:52:21,200 --> 00:52:23,000
Speaker 1: for you. I'm behind you in the line wanting to

1053
00:52:23,040 --> 00:52:23,920
Speaker 1: kick someone.

1054
00:52:23,760 --> 00:52:26,120
Speaker 2: Girl, And I try not to be the person that

1055
00:52:26,239 --> 00:52:28,799
Speaker 2: like visibly huffs and puffs in line, because you know,

1056
00:52:28,800 --> 00:52:29,920
Speaker 2: I'm like, god, I want to make picking of any

1057
00:52:29,920 --> 00:52:32,600
Speaker 2: phone cums by Literally it just escaped. I said, you

1058
00:52:32,800 --> 00:52:36,160
Speaker 2: gotta be kidding me. And then I was like when

1059
00:52:36,320 --> 00:52:38,319
Speaker 2: was that out loud? Because they turned and looked at me,

1060
00:52:38,400 --> 00:52:40,560
Speaker 2: and I was like, I mean, is it possible that

1061
00:52:40,600 --> 00:52:42,360
Speaker 2: you guys can go to the front place, because honestly,

1062
00:52:42,560 --> 00:52:45,280
Speaker 2: the store is closed and I have yet not submitted

1063
00:52:45,320 --> 00:52:45,800
Speaker 2: my poster.

1064
00:52:46,120 --> 00:52:48,600
Speaker 1: Meanwhile, the chick behind the counter or the man, they

1065
00:52:48,640 --> 00:52:50,680
Speaker 1: probably really weren't feeling the same way they were.

1066
00:52:50,800 --> 00:52:52,400
Speaker 2: And it was an older lady, so she didn't know

1067
00:52:52,400 --> 00:52:53,600
Speaker 2: how to do any of the things she was trying

1068
00:52:53,600 --> 00:52:56,160
Speaker 2: to avoid. They were doing too much. Sarah was seventy

1069
00:52:56,200 --> 00:52:58,000
Speaker 2: and I was like, I could see Sarah. It's not

1070
00:52:58,040 --> 00:53:00,640
Speaker 2: a quipped she's not a p So I was like,

1071
00:53:00,640 --> 00:53:03,240
Speaker 2: oh my god. I was like and then he was like, okay,

1072
00:53:03,239 --> 00:53:05,800
Speaker 2: you've alid to give it. I was like, wait, I

1073
00:53:06,320 --> 00:53:08,920
Speaker 2: you see me here? Self awareness yet, that's really what

1074
00:53:09,000 --> 00:53:10,920
Speaker 2: it was, I thought to myself. It was just like

1075
00:53:11,080 --> 00:53:13,920
Speaker 2: it was really honestly it was. It was rude, like

1076
00:53:13,960 --> 00:53:15,279
Speaker 2: I could see if you didn't see me behind you.

1077
00:53:15,320 --> 00:53:16,880
Speaker 2: But she turned around and was like, hey, hey, you

1078
00:53:16,880 --> 00:53:18,520
Speaker 2: know when he came up to you know, this is

1079
00:53:18,520 --> 00:53:20,480
Speaker 2: gonna take me ten minutes of that. Okay, so that's fine.

1080
00:53:20,560 --> 00:53:22,799
Speaker 2: So you see me there. You know, the stor's empty.

1081
00:53:22,880 --> 00:53:24,360
Speaker 2: She couldn't. He could have just went to the front.

1082
00:53:24,480 --> 00:53:26,640
Speaker 2: You don't need to be checked out here, especially if

1083
00:53:26,640 --> 00:53:29,200
Speaker 2: you have all these special orders, you know. And then

1084
00:53:29,280 --> 00:53:32,200
Speaker 2: I guess that, like you know, his fiance realized, like wow,

1085
00:53:32,239 --> 00:53:34,160
Speaker 2: this is pretty rude. And she was like, oh my goodness,

1086
00:53:34,160 --> 00:53:35,600
Speaker 2: I'm so sorry. And I was like, it's fine, but

1087
00:53:35,640 --> 00:53:37,120
Speaker 2: it wasn't fine. But I said that because you know,

1088
00:53:37,200 --> 00:53:40,040
Speaker 2: what can you say? And so like, you know, plus,

1089
00:53:40,040 --> 00:53:41,239
Speaker 2: you know, they were a cute little couple. I could

1090
00:53:41,239 --> 00:53:42,880
Speaker 2: tell they were excited about their wedding and getting their

1091
00:53:42,880 --> 00:53:47,040
Speaker 2: decorations together or whatever. But I was like, you know,

1092
00:53:47,440 --> 00:53:48,960
Speaker 2: she was trying to pull up her app for groupon

1093
00:53:49,040 --> 00:53:50,600
Speaker 2: so she could say for twenty no, not that. I

1094
00:53:50,640 --> 00:53:53,160
Speaker 2: was like, oh my god, girl, la la la, So

1095
00:53:53,200 --> 00:53:56,920
Speaker 2: that's why I will pay you twenty dollars to get

1096
00:53:55,360 --> 00:54:00,920
Speaker 2: the right so and then, of course, you know, to

1097
00:54:00,920 --> 00:54:03,640
Speaker 2: that insult and injury. I go to the front and

1098
00:54:03,920 --> 00:54:05,759
Speaker 2: I didn't even know need to wait there, girl. She

1099
00:54:05,880 --> 00:54:07,239
Speaker 2: was just like, girl, you could just buy that frame

1100
00:54:07,280 --> 00:54:08,719
Speaker 2: and put your poster in there. I was like, what,

1101
00:54:10,360 --> 00:54:12,719
Speaker 2: so twenty minutes later, I could have been in and

1102
00:54:12,719 --> 00:54:13,279
Speaker 2: out in two minutes.

1103
00:54:13,280 --> 00:54:15,480
Speaker 1: And you risk your life for that. Yes, you're out

1104
00:54:15,480 --> 00:54:18,200
Speaker 1: there in COVID time, COVID okay, just.

1105
00:54:18,120 --> 00:54:21,040
Speaker 2: Trying to get by post a frame. And she was like, well,

1106
00:54:21,040 --> 00:54:22,560
Speaker 2: why would you pay you? You know, She's like, one, it's

1107
00:54:22,600 --> 00:54:24,279
Speaker 2: going to take a week, and this framing is going

1108
00:54:24,320 --> 00:54:26,319
Speaker 2: to take like ninety dollars. You know, you could just

1109
00:54:26,360 --> 00:54:28,239
Speaker 2: put it. You could just buy a frame because it

1110
00:54:28,400 --> 00:54:29,640
Speaker 2: like I got it from Staples, so it was like

1111
00:54:29,640 --> 00:54:32,320
Speaker 2: a traditional size like twenty four by thirty six or whatever.

1112
00:54:32,480 --> 00:54:34,120
Speaker 2: She's like, you just buy that frame for thirty bucks

1113
00:54:34,200 --> 00:54:37,440
Speaker 2: right there. I was like, and she was like, but

1114
00:54:37,520 --> 00:54:39,080
Speaker 2: she told me. She told me, like, you know, the

1115
00:54:39,080 --> 00:54:40,799
Speaker 2: older lady told me, thank you so much. Because I

1116
00:54:40,880 --> 00:54:42,759
Speaker 2: was like, really annoyed because she was like and I

1117
00:54:42,800 --> 00:54:44,799
Speaker 2: was like, no, no problem. I mean, you know, I never,

1118
00:54:44,840 --> 00:54:46,040
Speaker 2: like I said, I never want to be rude, but

1119
00:54:46,080 --> 00:54:47,520
Speaker 2: I was like, are you kidding me?

1120
00:54:48,239 --> 00:54:50,680
Speaker 1: Please don't stay later to retailer. These people get paid

1121
00:54:50,719 --> 00:54:53,120
Speaker 1: minimum wait for your butt to get out of that store.

1122
00:54:53,200 --> 00:54:54,960
Speaker 2: Yeah. And that's why I felt bad, honestly, because I

1123
00:54:55,040 --> 00:54:56,560
Speaker 2: knew because it was by then, it was like seven ten.

1124
00:54:56,640 --> 00:54:59,840
Speaker 2: I'm like, I know they're clothes, you know. So anyway,

1125
00:55:00,080 --> 00:55:01,879
Speaker 2: that was my break. Don't do that again. People don't

1126
00:55:01,920 --> 00:55:03,839
Speaker 2: do that again. No one's excited about your wedding but you.

1127
00:55:05,440 --> 00:55:09,640
Speaker 2: And then my booze goes out to Supergirl. I don't

1128
00:55:09,640 --> 00:55:11,160
Speaker 2: know if you well, I'm sure you remember, but remember

1129
00:55:11,200 --> 00:55:13,280
Speaker 2: before I was having a really hard time with Supergirl.

1130
00:55:13,560 --> 00:55:16,239
Speaker 1: She was going through a thing. Yes, the signing the

1131
00:55:16,280 --> 00:55:17,480
Speaker 1: door comes to mind.

1132
00:55:17,440 --> 00:55:22,719
Speaker 2: Girl, dude, if you need to enter for those of you.

1133
00:55:22,760 --> 00:55:25,839
Speaker 2: I don't remember what episode it was, but Supergirl got

1134
00:55:25,840 --> 00:55:28,680
Speaker 2: in big trouble for slamming her door and then her

1135
00:55:28,680 --> 00:55:30,520
Speaker 2: father said, you know, don't you know obviously because she's

1136
00:55:30,600 --> 00:55:33,400
Speaker 2: a teenager, don't you slam it? And all the huffing

1137
00:55:33,440 --> 00:55:35,879
Speaker 2: and puffing. So then she put a note on her

1138
00:55:35,880 --> 00:55:39,000
Speaker 2: door to telling me. Tracy was like, because you know,

1139
00:55:39,040 --> 00:55:42,520
Speaker 2: my sister, Tracy's staying with me, and she was like, uh,

1140
00:55:42,600 --> 00:55:44,719
Speaker 2: did you did you see the note on Alissa's door?

1141
00:55:44,719 --> 00:55:46,400
Speaker 2: I was like, no, you know, sometimes she'll just have

1142
00:55:46,719 --> 00:55:49,120
Speaker 2: a note on her door that just says Alyssa's room.

1143
00:55:49,320 --> 00:55:52,279
Speaker 2: And she was like, no, I think you gotta want

1144
00:55:52,320 --> 00:55:55,879
Speaker 2: to read it. And it was just like basically, it's

1145
00:55:55,920 --> 00:55:58,480
Speaker 2: Marticall has said, Tiffany, do not come into my room

1146
00:55:58,560 --> 00:56:02,920
Speaker 2: or touch any of my things. If you need something

1147
00:56:02,960 --> 00:56:05,880
Speaker 2: from my room, because she pays bills right then, please

1148
00:56:05,920 --> 00:56:10,680
Speaker 2: call me at my mother's house. So, needless to say, well,

1149
00:56:10,719 --> 00:56:13,120
Speaker 2: she came home the doors off the hinges. She was like, wait,

1150
00:56:13,160 --> 00:56:15,799
Speaker 2: what it was for a full week, so she learned

1151
00:56:15,800 --> 00:56:16,480
Speaker 2: her lesson.

1152
00:56:16,239 --> 00:56:17,960
Speaker 1: As a parent. Move for me. Yes, that's the one

1153
00:56:17,960 --> 00:56:20,239
Speaker 1: where I'm like, I can't wait. Yes, let me.

1154
00:56:20,320 --> 00:56:23,000
Speaker 2: I'm gonna be like he remember, I felt so bad,

1155
00:56:23,040 --> 00:56:24,680
Speaker 2: but I called her. I was like, you know, that

1156
00:56:24,880 --> 00:56:27,120
Speaker 2: sign is so rude. As a matter of fact, I'm

1157
00:56:27,160 --> 00:56:28,640
Speaker 2: in your room right now, can you hear me? Step

1158
00:56:28,640 --> 00:56:32,000
Speaker 2: step step step? So so I was like, don't do that.

1159
00:56:33,120 --> 00:56:35,719
Speaker 2: You don't pay bills here. Her mother was to say,

1160
00:56:35,760 --> 00:56:38,200
Speaker 2: look thankfully, her mother's awesome. She was like, girl, you

1161
00:56:38,239 --> 00:56:39,799
Speaker 2: walk cause I sent her a picture. She was like, no,

1162
00:56:39,880 --> 00:56:42,400
Speaker 2: she did. I said, yes she did. She said I saw.

1163
00:56:42,440 --> 00:56:44,839
Speaker 2: I heard her mother also chastising her. But either way,

1164
00:56:44,880 --> 00:56:47,799
Speaker 2: since then, honestly, things have been awesome the past like

1165
00:56:47,800 --> 00:56:50,040
Speaker 2: I don't know, six to eight months, and like our

1166
00:56:50,080 --> 00:56:53,359
Speaker 2: relationship has really grown. She's just turned into I mean,

1167
00:56:53,480 --> 00:56:55,279
Speaker 2: she's still only fourteen, so I'm sure we have some

1168
00:56:55,320 --> 00:56:57,960
Speaker 2: hell ahead, but right now things are just really great.

1169
00:56:58,880 --> 00:57:00,640
Speaker 2: She's just been such a help. She does like little

1170
00:57:00,640 --> 00:57:03,080
Speaker 2: stuff for me, for the budgetista and and and for

1171
00:57:03,280 --> 00:57:07,759
Speaker 2: my sister Tracy's business, her PR business. But I want

1172
00:57:07,760 --> 00:57:09,120
Speaker 2: to be a I want to be supergirl. When I

1173
00:57:09,160 --> 00:57:12,480
Speaker 2: grow up, because the way she has her life planned out,

1174
00:57:12,560 --> 00:57:16,280
Speaker 2: I'm like girl the balance, so I will. So Supergirl

1175
00:57:16,320 --> 00:57:17,840
Speaker 2: goes to school during the day. First of all, she

1176
00:57:17,840 --> 00:57:20,360
Speaker 2: gets straight A. It's always since like I've been here,

1177
00:57:20,760 --> 00:57:23,320
Speaker 2: so always the occasional be but straight A. So even

1178
00:57:23,360 --> 00:57:25,080
Speaker 2: though this is her first year in high school, still

1179
00:57:25,120 --> 00:57:27,480
Speaker 2: doing really well. So she does her school work and

1180
00:57:27,520 --> 00:57:30,520
Speaker 2: then she works with Tracy, like you know, she's in

1181
00:57:30,640 --> 00:57:33,840
Speaker 2: slack like a grown person, like, hey, here are my responsibilities.

1182
00:57:34,080 --> 00:57:36,200
Speaker 2: And then I had her do some stuff like there's

1183
00:57:36,240 --> 00:57:37,640
Speaker 2: some books that I meant. Oh, Mandy, I've got to

1184
00:57:37,680 --> 00:57:39,600
Speaker 2: send you a book. You gotta text me your addresses.

1185
00:57:40,040 --> 00:57:42,560
Speaker 1: Oh you mean I paid? I mean I'm always I

1186
00:57:42,600 --> 00:57:44,320
Speaker 1: was gonna pay. I bought one.

1187
00:57:44,360 --> 00:57:47,920
Speaker 2: Good you can give away, Yes, give it this one away.

1188
00:57:48,160 --> 00:57:50,360
Speaker 2: So so I have to like pack some of them up,

1189
00:57:50,400 --> 00:57:53,440
Speaker 2: like the the what's the name? Like Penguin sent me

1190
00:57:53,480 --> 00:57:54,959
Speaker 2: like a bunch of my books. Oh I didn't plug

1191
00:57:55,000 --> 00:57:57,320
Speaker 2: my book today. You can get Get you with money

1192
00:57:57,600 --> 00:58:00,520
Speaker 2: tend Simple Steps to becoming financially whole at Yeah Good

1193
00:58:00,520 --> 00:58:01,440
Speaker 2: with Money dot com.

1194
00:58:01,640 --> 00:58:04,160
Speaker 1: You let me crying when you were unboxing that box

1195
00:58:04,160 --> 00:58:05,520
Speaker 1: at books for read No.

1196
00:58:05,720 --> 00:58:08,720
Speaker 2: I wasn't. I was not intending to cry. So she's

1197
00:58:08,760 --> 00:58:10,720
Speaker 2: been helping me with all that kind of stuff. And

1198
00:58:10,760 --> 00:58:12,760
Speaker 2: so one day Tracy was telling me like she's like, girl,

1199
00:58:12,760 --> 00:58:14,200
Speaker 2: I want to be a Lissa, because she was talking

1200
00:58:14,200 --> 00:58:16,360
Speaker 2: to herself kind of, She's like, Okay, I finished my

1201
00:58:16,400 --> 00:58:18,800
Speaker 2: school work, and you know what, I think I'm going

1202
00:58:18,840 --> 00:58:22,240
Speaker 2: to do the pop the backss fertifty for about an hour.

1203
00:58:22,400 --> 00:58:24,000
Speaker 2: I'm gonna do a little bit of Tracy work and

1204
00:58:24,040 --> 00:58:26,120
Speaker 2: then I'm gonna work on my own hobbies because she

1205
00:58:26,120 --> 00:58:28,960
Speaker 2: has a YouTube channel now and like sells the lip

1206
00:58:29,000 --> 00:58:31,160
Speaker 2: gloss on the side. Who knows. And then she'said, oh,

1207
00:58:31,160 --> 00:58:33,920
Speaker 2: then daddy comes home at five, so we're gonna watch movies.

1208
00:58:34,040 --> 00:58:35,320
Speaker 2: And then I think I can make it. I'm actually

1209
00:58:35,320 --> 00:58:39,920
Speaker 2: gonna turn in early. I'm like, so she has planned

1210
00:58:40,640 --> 00:58:45,600
Speaker 2: time for herself, rest, family time, work, and school. I

1211
00:58:45,600 --> 00:58:48,760
Speaker 2: don't even like you need to teach a class. I

1212
00:58:48,800 --> 00:58:51,560
Speaker 2: was like, she is the most I wouldn't even say

1213
00:58:51,560 --> 00:58:54,320
Speaker 2: well adjusted fourteen year old, well adjusted forty year old.

1214
00:58:54,400 --> 00:58:57,400
Speaker 2: That's a forty year old woman right there, because she's

1215
00:58:57,400 --> 00:58:58,439
Speaker 2: a lot of adults all day.

1216
00:58:58,720 --> 00:59:01,520
Speaker 1: I mean, see you, I'm sure you've had an influence

1217
00:59:01,560 --> 00:59:01,880
Speaker 1: on her.

1218
00:59:02,440 --> 00:59:04,400
Speaker 2: Honestly, I'm just really proud of her. She has just

1219
00:59:04,440 --> 00:59:07,680
Speaker 2: grown into this amazing young woman. Like she texts Tracy

1220
00:59:07,720 --> 00:59:09,360
Speaker 2: the other day and said, hey, I finished all my

1221
00:59:09,440 --> 00:59:11,080
Speaker 2: tasks that you gave me. Is there anything else? And

1222
00:59:11,080 --> 00:59:13,040
Speaker 2: Tracy's like, no, We're good. She's like, you know, I'm

1223
00:59:13,120 --> 00:59:16,080
Speaker 2: more than willing and open to learn new things, like

1224
00:59:16,120 --> 00:59:17,480
Speaker 2: if you want to teach me. I was like, look

1225
00:59:17,480 --> 00:59:18,600
Speaker 2: at you will go very far.

1226
00:59:18,920 --> 00:59:20,320
Speaker 1: You don't have to tell me. That's what a million

1227
00:59:20,360 --> 00:59:22,440
Speaker 1: that's she's going to be a millionaire by whatever.

1228
00:59:22,760 --> 00:59:23,080
Speaker 3: Girls.

1229
00:59:23,320 --> 00:59:26,480
Speaker 1: Two things time management being a nice. Three things, time

1230
00:59:26,520 --> 00:59:29,520
Speaker 1: management being nice, and then being willing to have feedback.

1231
00:59:29,880 --> 00:59:32,280
Speaker 1: That's the shortest career advice book you'll ever read.

1232
00:59:32,360 --> 00:59:34,400
Speaker 2: Yes, I'm just like, you know, it just feels really

1233
00:59:34,400 --> 00:59:36,840
Speaker 2: good because I mean, you know, for those of you

1234
00:59:36,880 --> 00:59:39,400
Speaker 2: who have step kids, you know, it's not always easy integrating.

1235
00:59:39,480 --> 00:59:41,160
Speaker 2: You know. I came into her life she was pretty young,

1236
00:59:41,240 --> 00:59:43,120
Speaker 2: like six or seven, but still you know, and her

1237
00:59:43,120 --> 00:59:44,840
Speaker 2: mom is super active in her life, so she doesn't

1238
00:59:44,840 --> 00:59:47,120
Speaker 2: need another mother, you know, so it was hard for

1239
00:59:47,160 --> 00:59:49,920
Speaker 2: me to figure out where I fit. And so like

1240
00:59:49,960 --> 00:59:53,240
Speaker 2: I feel like I'm like aunt plus you know what

1241
00:59:53,280 --> 00:59:57,520
Speaker 2: I mean, But it's just like, thankfully her parents, I've

1242
00:59:57,560 --> 00:59:59,840
Speaker 2: never ever ever won in one day, had ever had

1243
01:00:00,080 --> 01:00:03,760
Speaker 2: issue with her mother or like her father, I mean,

1244
01:00:04,040 --> 01:00:05,840
Speaker 2: you know what I mean, Like it's always I've always

1245
01:00:05,840 --> 01:00:08,600
Speaker 2: had touch great support from them, thankfully, but it still

1246
01:00:08,600 --> 01:00:12,080
Speaker 2: has not been easy because she's still a kid and navigating, like, wait,

1247
01:00:12,960 --> 01:00:15,320
Speaker 2: should I care about Tiffany because I love my mom?

1248
01:00:15,360 --> 01:00:17,120
Speaker 2: And wait, I want my dad to be back together

1249
01:00:17,160 --> 01:00:19,440
Speaker 2: with my mom, not for them to be together, but

1250
01:00:19,520 --> 01:00:21,320
Speaker 2: just for me, And so there was just a lot

1251
01:00:21,320 --> 01:00:24,400
Speaker 2: of that. So just to see her grow up, just

1252
01:00:24,480 --> 01:00:27,440
Speaker 2: to like, like, you know, she's just kind and empathetic,

1253
01:00:27,520 --> 01:00:30,480
Speaker 2: but just also just to see how well that she's navigating.

1254
01:00:30,480 --> 01:00:32,160
Speaker 2: She doesn't want to go to school. She's such an

1255
01:00:32,200 --> 01:00:34,400
Speaker 2: old lady. She's like, yeah, I actually like this homeworn.

1256
01:00:34,440 --> 01:00:35,640
Speaker 2: I'm like, you don't want to go to high school?

1257
01:00:35,640 --> 01:00:37,959
Speaker 2: It's so fun. She's like, doesn't look that fun.

1258
01:00:38,840 --> 01:00:39,000
Speaker 3: Ok.

1259
01:00:40,720 --> 01:00:42,920
Speaker 2: She wants to be home and make her coin. Okay,

1260
01:00:43,160 --> 01:00:45,240
Speaker 2: this girl's over here killing it in the streets. She

1261
01:00:45,360 --> 01:00:47,240
Speaker 2: is I'm like, how much have you made so far?

1262
01:00:47,840 --> 01:00:49,680
Speaker 2: And like the last like you know, since like quarantine,

1263
01:00:49,720 --> 01:00:51,840
Speaker 2: she's like about four five hundred dollars. I'm like, for

1264
01:00:52,600 --> 01:00:55,560
Speaker 2: a fourteen year old, she is killing it. And so yeah,

1265
01:00:55,560 --> 01:00:58,280
Speaker 2: I'm just like, that is my boost. And you know,

1266
01:00:58,320 --> 01:01:00,320
Speaker 2: when she starts her life coaching, I'll let you guys

1267
01:01:00,360 --> 01:01:03,479
Speaker 2: know because she can teach us a thing or two

1268
01:01:03,840 --> 01:01:06,760
Speaker 2: about managing her time in a way that honors, you know,

1269
01:01:06,880 --> 01:01:11,160
Speaker 2: time with family, time with herself and her responsibilities and

1270
01:01:11,200 --> 01:01:14,959
Speaker 2: her her money making, you know ventures, and so yeah,

1271
01:01:15,000 --> 01:01:16,800
Speaker 2: so when she starts, I'm first in line. When she

1272
01:01:16,800 --> 01:01:18,680
Speaker 2: starts doing life coaching, then you guys can have her

1273
01:01:18,720 --> 01:01:21,560
Speaker 2: after me. So that is my love to see it.

1274
01:01:22,600 --> 01:01:25,160
Speaker 1: I love it all. Hey, supergirl, I'm so proud of

1275
01:01:25,160 --> 01:01:27,720
Speaker 1: you too. I feel like I've watched you grow up

1276
01:01:27,880 --> 01:01:32,640
Speaker 1: through Tiffany's words for five years. All that's awesome. Get

1277
01:01:32,640 --> 01:01:37,040
Speaker 1: Good with Money dot Com, y'all? Yes, yes, run go

1278
01:01:37,240 --> 01:01:38,840
Speaker 1: take the Financial Wholeness Quiz.

1279
01:01:38,840 --> 01:01:41,240
Speaker 2: That's what it's called, right, yes, And it's right there

1280
01:01:41,240 --> 01:01:44,000
Speaker 2: at GEK Good Money dot Com And next week it

1281
01:01:44,080 --> 01:01:47,800
Speaker 2: comes out on the thirtieth. So I heard a little

1282
01:01:47,800 --> 01:01:50,080
Speaker 2: bun Bertie told me that, you know, some books might

1283
01:01:50,080 --> 01:01:52,080
Speaker 2: actually be shipped a little bit earlier, maybe Monday, you

1284
01:01:52,120 --> 01:01:54,760
Speaker 2: never know, but definitely by Tuesday, so you'll get them

1285
01:01:54,800 --> 01:01:57,680
Speaker 2: as soon as next week, which is so crazy. You'll

1286
01:01:57,720 --> 01:02:00,680
Speaker 2: be able to hold me in your arms because I'm.

1287
01:02:00,720 --> 01:02:04,040
Speaker 1: Actually want to go to a bookstore and see.

1288
01:02:04,320 --> 01:02:05,840
Speaker 2: Yes, I don't know if I'm allowed to say what

1289
01:02:05,920 --> 01:02:08,400
Speaker 2: bookstores are in just yet, but so I don't know,

1290
01:02:08,480 --> 01:02:10,920
Speaker 2: I'll just say, well, definitely Bards and Nobles. Well I

1291
01:02:10,920 --> 01:02:13,040
Speaker 2: think I am, and I think that one of those

1292
01:02:13,040 --> 01:02:15,400
Speaker 2: bookstores that are in the airports. So some Hudson News

1293
01:02:15,400 --> 01:02:19,120
Speaker 2: have picked them up, which is awesome, I know, I know,

1294
01:02:19,800 --> 01:02:21,680
Speaker 2: And you know what, I really loved what warm my heart.

1295
01:02:21,720 --> 01:02:24,160
Speaker 2: I found out today that a lot of libraries have

1296
01:02:24,400 --> 01:02:28,040
Speaker 2: ordered them a lot, and they were just really surprised.

1297
01:02:28,040 --> 01:02:29,960
Speaker 2: They were like, wow, Tiffany. They said, We've had so

1298
01:02:30,040 --> 01:02:33,360
Speaker 2: many libraries reach out and many of them have ordered

1299
01:02:33,440 --> 01:02:35,800
Speaker 2: multiple copies. And I'm just like, oh my god. I

1300
01:02:35,840 --> 01:02:37,840
Speaker 2: don't know. I guess it was like a kid that

1301
01:02:37,920 --> 01:02:40,480
Speaker 2: really enjoyed the library. So just to know the libraries

1302
01:02:40,480 --> 01:02:42,840
Speaker 2: are like, we want this book for a reader, so

1303
01:02:43,080 --> 01:02:44,760
Speaker 2: just you know, it just feels really good. And if

1304
01:02:44,800 --> 01:02:47,640
Speaker 2: your library hasn't, it's actually a great way if you're like, honestly,

1305
01:02:47,640 --> 01:02:50,280
Speaker 2: I don't have the coin call your library and say, hey,

1306
01:02:50,320 --> 01:02:53,560
Speaker 2: can you order get Good with Money because they can,

1307
01:02:53,960 --> 01:02:55,320
Speaker 2: and then that way you can pick it up from

1308
01:02:55,320 --> 01:02:56,760
Speaker 2: the library as soon as it's there.

1309
01:02:56,880 --> 01:03:00,240
Speaker 1: So awesome, And we will be doing a little preview

1310
01:03:00,640 --> 01:03:04,640
Speaker 1: of what you have in the book Financial Wholeness Checklist

1311
01:03:04,880 --> 01:03:09,280
Speaker 1: on next week's show, so you check that out. And oh, okay,

1312
01:03:09,320 --> 01:03:11,400
Speaker 1: I'm so excited. I can't wait. I haven't been this

1313
01:03:11,400 --> 01:03:13,640
Speaker 1: excited about a book since Harry Potter seven, to be honest.

1314
01:03:14,080 --> 01:03:15,640
Speaker 2: Oh, that's saying a lot, because I know how much

1315
01:03:15,680 --> 01:03:18,200
Speaker 2: you love Frank Potter. I say, girl, I love you

1316
01:03:18,280 --> 01:03:21,440
Speaker 2: like like chocolate Tip cookies, fresh big chocolate Tip cookies,

1317
01:03:21,440 --> 01:03:23,480
Speaker 2: because everybody knows how much I love those cookies.

1318
01:03:23,720 --> 01:03:25,320
Speaker 1: Yeah, because that was an event when you got the

1319
01:03:25,360 --> 01:03:27,960
Speaker 1: new book out. Yes, when it gets on my store doorstep,

1320
01:03:28,000 --> 01:03:30,880
Speaker 1: I can't wait. All right, Cool, Well, thank you for

1321
01:03:30,920 --> 01:03:34,520
Speaker 1: another lovely show. BA fan hit us up on Instagram,

1322
01:03:34,520 --> 01:03:38,520
Speaker 1: Brand Ambition Podcast, or Twitter at the BA Podcast and

1323
01:03:38,600 --> 01:03:40,720
Speaker 1: have a great week you too.