WEBVTT - The Mortgage Question We've Never Heard Before

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<v Speaker 1>Hey, ba fan, Mandy here or Mandra you can call

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<v Speaker 1>me Mandra and that's fine. I have a simple request

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<v Speaker 1>for you, guys. We get so many questions on how

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<v Speaker 1>very simple thing that we need you guys to do.

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<v Speaker 1>Open up this app, open up wherever you're listening to

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<v Speaker 1>Westwood One. But we also need the support of our listeners.

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<v Speaker 1>So if you are a listener, loyal listener, please subscribe,

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<v Speaker 2>Hey hey, hey, I'm not gonna lie. My back hurts.

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<v Speaker 2>We're back, we're black, we're brown ambition. Hey Manajra, I

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<v Speaker 2>pull my back.

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<v Speaker 1>We're aging gracefully.

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<v Speaker 2>I know between my arm surgery because I guess I'm

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<v Speaker 2>sleeping this kind of a way to like not I

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<v Speaker 2>sleep on my shoulder subconsciously and when I'm sleeping, and

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<v Speaker 2>so now I've got a back pull. So I'm feeling

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<v Speaker 2>one hundred and seven. But you know how you doing?

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<v Speaker 1>I mean, I mean, I'm by by comparison. I'm good,

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<v Speaker 1>my back is not pulled. But I'm wondering is it

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<v Speaker 1>time for some acupuncture? Do we need a massage therapist? Chiropractor?

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<v Speaker 2>Well, I'm I'm going to physical therapy. Like my arm

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<v Speaker 2>is actually feeling better and better, but like you know,

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<v Speaker 2>I'm just I know what it is because I felt

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<v Speaker 2>when I woke up, I was in this odd position

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<v Speaker 2>like with my shoulder kind of like you know, protecting itself,

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<v Speaker 2>and I guess my back was like girl, what is

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<v Speaker 2>this position?

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<v Speaker 1>So why did we hurt ourselves in our sleep?

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<v Speaker 3>You know?

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<v Speaker 1>Like I was, I've been waking up with headaches, and

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<v Speaker 1>I went to the dentist for the first time since

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<v Speaker 1>the since quarantine, because I was like, I'm not about

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<v Speaker 1>to get COVID to get a dental cleaning. I'm just

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<v Speaker 1>flost moore floss more. But anyway, I finally went and

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<v Speaker 1>she said, yeah, you probably you're grinding your teeth that night,

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<v Speaker 1>and it just so happened. It was a two week

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<v Speaker 1>period where I had a lot going on. It wasn't

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<v Speaker 1>bad stress, but it was like I was clearly anxious

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<v Speaker 1>in my sleep, and I'm like, can we not even

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<v Speaker 1>get a break from our own selves now? Sleep? What

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<v Speaker 1>is this? It's like, damn it. But well, I'm very

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<v Speaker 1>I hope that your back feels better.

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<v Speaker 2>Yeah, well, you know, you know how you get a pull.

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<v Speaker 2>It takes like some like some days, sometimes even a

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<v Speaker 2>couple of weeks. I'm just like, ugh, but you know,

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<v Speaker 2>I mean, I'm alive and I'm happy. Things are good,

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<v Speaker 2>but you know, all to.

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<v Speaker 1>Your body, Listen to your body. I do want to

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<v Speaker 1>take a moment because the just to acknowledge what's going

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<v Speaker 1>on in the Asian American community. It's been going on

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<v Speaker 1>for the past solid year, this rise in anti Asian

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<v Speaker 1>hate crimes and even though they won't call them hate crimes,

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<v Speaker 1>just just crazy criminal activity toward Asians, unnecessary violence. And

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<v Speaker 1>what happened last week in Atlanta, really I think it

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<v Speaker 1>just shooks. Yeah, it was horrendous, it was it was shocking,

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<v Speaker 1>it was disgusting, it was tragic, and I just wanted

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<v Speaker 1>to let our listeners know and if any you know,

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<v Speaker 1>everyone who supports Brown Ambition and beyond, and if you're

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<v Speaker 1>Asian American, we stand with you. And if there's anything

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<v Speaker 1>we can do to be allies to you and your

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<v Speaker 1>time of need, let us know. And we hope that

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<v Speaker 1>you guys are if you're doing well, and if you

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<v Speaker 1>have Asian American friends and family, check in on them,

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<v Speaker 1>check in on them, ask how they're doing. I've tried

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<v Speaker 1>to do that thoughtfully the past week. And I speaking

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<v Speaker 1>from experience, what happened, you know, after last summer's social unrest,

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<v Speaker 1>after George Floyd and Breonna Taylor, I appreciated those messages

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<v Speaker 1>just to check in and see how you're doing. So, yeah,

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<v Speaker 1>check in. And my heart goes out to those those families, man,

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<v Speaker 1>those families and those women who were murdered senselessly and

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<v Speaker 1>the customers too. It was I just don't it's it's heartbreaking,

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<v Speaker 1>it truly is.

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<v Speaker 2>Yeah, I just I just can't even imagine so well,

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<v Speaker 2>I just don't get it. I'm like, what, I honestly

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<v Speaker 2>can't wrap my mind around how you could hate someone,

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<v Speaker 2>someone you don't know, for the color of their skin,

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<v Speaker 2>the race that they are, so much so that you

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<v Speaker 2>would do something so egregious, and then how it's excused,

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<v Speaker 2>you know, like he was having a bad day, just

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<v Speaker 2>a bad day. No, that's what he said. Yes.

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<v Speaker 1>The way that that officer at that press conference was

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<v Speaker 1>trying to it was almost like he his tone was

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<v Speaker 1>very much like, calm down, everybody. This young man he has,

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<v Speaker 1>this gentleman has, you know, admitted to the crime, and

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<v Speaker 1>he was having a bad day, and he had what

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<v Speaker 1>he perceived to be a temptation and a sexual addiction

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<v Speaker 1>and he and he needed to what murder eight people.

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<v Speaker 1>I just it just it was bad, bad, bad for

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<v Speaker 1>that share I don't know, Sheriff's department, a law enforcement

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<v Speaker 1>in general, and to coeo oh, no, another white man

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<v Speaker 1>inflict mass a mass shooting on this country and walk away,

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<v Speaker 1>you know, unscathed.

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<v Speaker 2>Unscathed, literally Mike Brown, Hey, we think we think he

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<v Speaker 2>stole a cigar, you know, Garner.

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<v Speaker 1>George Floyd. I just a counterfeit twenty dollars bill, was it?

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<v Speaker 2>I mean? And then people are like, well, you know,

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<v Speaker 2>so people deserve to die for that. But this man

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<v Speaker 2>literally killed murdered eight people. And I'm not suggesting the

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<v Speaker 2>police should have shot him dead were he it was?

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<v Speaker 2>But like, but then all this compassion for him and like,

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<v Speaker 2>oh were they were they working legally? So does that

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<v Speaker 2>mean that people could just ooh? I think I think

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<v Speaker 2>there's some people who might not have their green card,

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<v Speaker 2>so me, as a citizen could just go and do

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<v Speaker 2>whatever I want. I just honestly, I'm exhausted, and I

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<v Speaker 2>just I don't know, Like, I don't know what it

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<v Speaker 2>takes for people to say, like enough is enough? Is

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<v Speaker 2>enough is enough? And you know, does it take for

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<v Speaker 2>like every single marginalized group to be brutally attacked before

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<v Speaker 2>we band together to say no more? You know?

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<v Speaker 1>But yeah, I think in a sad way, it's an

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<v Speaker 1>inflection point for everyone to better understand what Asian Americans

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<v Speaker 1>have gone through in this country. And I have very

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<v Speaker 1>close friends who are from the Asian American community very

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<v Speaker 1>close to me, and I, even as a person of color,

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<v Speaker 1>as a woman of color, wasn't one hundred percent aware

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<v Speaker 1>of what they felt day to day. I guess I

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<v Speaker 1>just took for granted because I think there is this

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<v Speaker 1>there's this deep divide in the Asian American community, and

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<v Speaker 1>I've been reading about this. Economically, you know, you have

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<v Speaker 1>there's this perception that Asian Americans are better off, and

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<v Speaker 1>they you know, they're better off than other minorities and

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<v Speaker 1>financially economically speaking, that they're doing well, that they're the

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<v Speaker 1>model minority. I've even heard out there, yes, but the

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<v Speaker 1>lived experience, no one's. I don't feel like we've bothered

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<v Speaker 1>to ask Asian Americans like what sort of experience do

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<v Speaker 1>you have day to day? And what sort of experience

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<v Speaker 1>do your parents have? And my closest front, you know,

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<v Speaker 1>I don't want to put her so I don't want

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<v Speaker 1>to tell a story that's not mine, but I admire

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<v Speaker 1>her so much. Her parents are immigrants from Vietnam came over.

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<v Speaker 1>You know, their story is just extraordinary. And her mom,

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<v Speaker 1>her mom owns a hair salon in Atlanta, and she's

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<v Speaker 1>having her mother put up signs that say, you know,

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<v Speaker 1>we're keeping our doors locked, ring the doorbell and we

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<v Speaker 1>will come, and it's just surreal. I mean, I don't

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<v Speaker 1>I don't know. I haven't know. I haven't known what

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<v Speaker 1>to say to her, and all I can say is

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<v Speaker 1>just I'm sorry. And we should all be learning and

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<v Speaker 1>listening to our Asian American brothers and sisters today the

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<v Speaker 1>same way we, you know, would want to be listen

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<v Speaker 1>to and have our pain acknowledged and not not minimalized

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<v Speaker 1>because what we think they must be going through.

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<v Speaker 2>No, I totally agree. I don't know, like a well,

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<v Speaker 2>you know Jason Vtag, like you know, he's part of

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<v Speaker 2>like you know, the financial Yeah, so he you know,

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<v Speaker 2>Jason's pretty quiet. If you guys follow him, he's awesome.

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<v Speaker 2>He's got this awesome brand called Frugal but it's spelled

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<v Speaker 2>like p h r o O g a L. And

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<v Speaker 2>you know, he's just like a friend in finance, but

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<v Speaker 2>just a friend in real life too. But you know that.

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<v Speaker 2>So he's been posting and sharing some of the stories

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<v Speaker 2>of what people have called him and how he's been treated,

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<v Speaker 2>and you know, you just he's like the sweetest, quietest guy.

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<v Speaker 2>You would never know all this all of this pain

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<v Speaker 2>was beneath that, and I just just really proud of

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<v Speaker 2>him for sharing, you know, on social and just it

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<v Speaker 2>just whenever you share your story, people get an opportunity

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<v Speaker 2>to grow and to learn.

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<v Speaker 1>And so yeah, yeah, and for the rest of us,

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<v Speaker 1>it's our turn to shut up and listen. Yes, I'm trying.

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<v Speaker 1>I haven't done such a great job trying to be

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<v Speaker 1>an ally myself, but I'm trying, and I'm learning to

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<v Speaker 1>shut up and listen. And you know, this all happened

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<v Speaker 1>in the past week too, alongside that news at the

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<v Speaker 1>editor in chief at teen Vogue. Yeah, a young black woman,

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<v Speaker 1>Alexi Ma Cammond. I mean this situation, you want to

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<v Speaker 1>talk about it for a little bit, because it was

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<v Speaker 1>all happening at the same time. Yes, and it's been

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<v Speaker 1>painful for me to see that go down. As a

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<v Speaker 1>black woman in media and journalism. You want to see

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<v Speaker 1>your sisters, you want to be happy for them. It's

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<v Speaker 1>really painful for me to see what's happened. So Alexi,

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<v Speaker 1>she was just named teen Vogue editor in chief a

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<v Speaker 1>couple of weeks ago. It feels like it was not

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<v Speaker 1>that long ago. She hadn't even started yet, and the

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<v Speaker 1>Asian American staff at teen Vogue basically wrote a petition

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<v Speaker 1>against her hire because she it had been uncovered a

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<v Speaker 1>couple of years ago that she had tweeted some really stupid,

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<v Speaker 1>really racist things about yes that pain was like what

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<v Speaker 1>idiotic things when she was old.

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<v Speaker 2>I was gonna say she was seven because she's like,

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<v Speaker 2>what twenty seven now, so this is about ten years ago.

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<v Speaker 1>Ten years ago, yeah, which is nuts. I mean, she

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<v Speaker 1>was so young now, but you know, even younger then.

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<v Speaker 1>But those tweets were already out in the public because

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<v Speaker 1>when she was a reporter for Axios. They I think

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<v Speaker 1>it was after she was named the Emerging Journalist of

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<v Speaker 1>the Year from the NABJ National Association of Black Journalists,

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<v Speaker 1>those tweets were uncovered. And again when she called out

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<v Speaker 1>Charles Barkley for using some aggressive language toward her, the

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<v Speaker 1>tweets were resurfaced again. You know Twitter, uh, the Twitter, uh, Twitter, Roddy,

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<v Speaker 1>whatever you want to call them. They will go and

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<v Speaker 1>find those social media demons, and it led to her.

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<v Speaker 1>She finally resigned before she'd even had a first day

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<v Speaker 1>on the job. I think last week Friday. The days

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<v Speaker 1>are blurring together, but I mean it was the kind

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<v Speaker 1>of accountability that I understand. And it's it's a small consolation,

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<v Speaker 1>I think to to the staff at teen Vogue who

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<v Speaker 1>really probably felt like w t F you know, and

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<v Speaker 1>this was not the thing that's like, it wasn't unlike

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<v Speaker 1>it was known the tweets, you know. So the fact

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<v Speaker 1>that Anna Wintour and whoever at Conde and asked thought

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<v Speaker 1>saw that and said, eh, it's okay, she said sorry,

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<v Speaker 1>kind of it was. It was difficult to see. But

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<v Speaker 1>I'm I hope that she's learning and growing from it,

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<v Speaker 1>and I don't I don't wish ill of her at

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<v Speaker 1>all as another black woman, and I like we're all

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<v Speaker 1>growing and learning and just it's pain on all sides

0:12:08.600 --> 0:12:08.880
<v Speaker 1>for me.

0:12:09.840 --> 0:12:13.240
<v Speaker 2>You know, it's so crazy because it's I as a

0:12:13.440 --> 0:12:15.719
<v Speaker 2>you know, as a black woman. It's rare that I'm

0:12:15.760 --> 0:12:18.439
<v Speaker 2>on the other side to see what it must feel

0:12:18.480 --> 0:12:21.000
<v Speaker 2>like to the person, you know, because as a black woman,

0:12:21.080 --> 0:12:25.800
<v Speaker 2>I could see, like, you know, how on it just

0:12:25.840 --> 0:12:29.640
<v Speaker 2>seems it's just being strange to not because if someone

0:12:30.040 --> 0:12:33.680
<v Speaker 2>were to say they're working at like Essence or something

0:12:33.720 --> 0:12:36.320
<v Speaker 2>like that, and then it was uncovered later like you

0:12:36.320 --> 0:12:39.120
<v Speaker 2>know that this person used all these racial slurs. I mean,

0:12:39.120 --> 0:12:41.959
<v Speaker 2>because I've read it. They you know, it wasn't these

0:12:41.960 --> 0:12:45.880
<v Speaker 2>weren't light things. These were really terrible things. I'd be like,

0:12:46.080 --> 0:12:47.760
<v Speaker 2>I don't care if she was five, That's what I

0:12:47.760 --> 0:12:50.360
<v Speaker 2>would think. Yeah, you know, like I'd be like, I

0:12:50.400 --> 0:12:54.839
<v Speaker 2>don't care if she's five years old. This is especially

0:12:54.920 --> 0:12:57.880
<v Speaker 2>during what's happening now with you know, Black Lives Matter movement.

0:12:57.960 --> 0:13:01.960
<v Speaker 2>This is an especially sensitive time and so I can

0:13:02.040 --> 0:13:05.360
<v Speaker 2>see on the other side, if I was Asian American,

0:13:05.720 --> 0:13:08.320
<v Speaker 2>I would feel the same. I mean, I can say,

0:13:08.559 --> 0:13:10.320
<v Speaker 2>you know, you know, I could say like, oh, she's

0:13:10.360 --> 0:13:15.440
<v Speaker 2>just seventeen, but I look at Supergirl, my stepdaughter, and

0:13:15.480 --> 0:13:18.920
<v Speaker 2>she's fourteen, and I thought at fourteen, definitely, you know,

0:13:19.320 --> 0:13:21.760
<v Speaker 2>she has a lot of growing to do, but she

0:13:21.880 --> 0:13:23.560
<v Speaker 2>has a sense of right and wrong. I'm not saying

0:13:23.559 --> 0:13:26.120
<v Speaker 2>that she's not on douse. We really try to monitor

0:13:26.160 --> 0:13:28.800
<v Speaker 2>her social media, you know, but you know, kids get

0:13:28.800 --> 0:13:32.840
<v Speaker 2>away and do whatever they want. But yeah, I have

0:13:32.880 --> 0:13:35.760
<v Speaker 2>a hard time because yes, I want to see my

0:13:35.840 --> 0:13:41.679
<v Speaker 2>sisters rise, and you know, certainly something like this carrying

0:13:41.720 --> 0:13:44.480
<v Speaker 2>you like through the rest of your life. No matter

0:13:44.520 --> 0:13:46.520
<v Speaker 2>what you do, someone's going to bring it up. But

0:13:46.600 --> 0:13:49.360
<v Speaker 2>at the same time as someone who's been on the

0:13:49.400 --> 0:13:52.160
<v Speaker 2>other side of seeing people be like, well he was

0:13:52.240 --> 0:13:56.600
<v Speaker 2>twenty five, Well he was, and then being the you know,

0:13:56.679 --> 0:13:59.440
<v Speaker 2>the people on the other side who are always asked

0:13:59.440 --> 0:14:02.840
<v Speaker 2>to forget and let it go. I can understand like

0:14:02.920 --> 0:14:06.520
<v Speaker 2>if Asian Americas is like, I'm not because honestly I

0:14:06.600 --> 0:14:10.560
<v Speaker 2>feel the same, you know that, like, I'm not willing

0:14:10.679 --> 0:14:15.800
<v Speaker 2>to give people passes for past transgressions that are egregious

0:14:16.200 --> 0:14:20.760
<v Speaker 2>and multiple. Yeah, you know, so I can although like

0:14:20.800 --> 0:14:22.600
<v Speaker 2>I'm like, yes, I love to see my sister's right.

0:14:22.640 --> 0:14:25.080
<v Speaker 2>But if girl you wrong, you you're wrong. And you know,

0:14:25.200 --> 0:14:27.880
<v Speaker 2>I don't think you know. And I know because a

0:14:27.960 --> 0:14:30.880
<v Speaker 2>lot of my friends on social who or Asian they're like,

0:14:30.960 --> 0:14:34.640
<v Speaker 2>you know, everybody went up for Black Lives Matter. We

0:14:34.840 --> 0:14:38.640
<v Speaker 2>felt they felt unseen and unheard because you know, they're considered,

0:14:39.040 --> 0:14:42.560
<v Speaker 2>you know, like there's some privilege there. And so I

0:14:42.640 --> 0:14:46.360
<v Speaker 2>know that, you know, I just know that they like

0:14:46.440 --> 0:14:50.080
<v Speaker 2>they feel it's you know, people are seeing and hearing them,

0:14:50.120 --> 0:14:51.880
<v Speaker 2>and so I don't want to take that away despite

0:14:51.880 --> 0:14:54.120
<v Speaker 2>the fact that you know she was. But I can understand. No,

0:14:54.200 --> 0:14:56.040
<v Speaker 2>it's hard because you're like, oh man, it's such an

0:14:56.040 --> 0:14:59.240
<v Speaker 2>awesome opportunity and I'm not gonna lie. I don't want

0:14:59.240 --> 0:15:00.480
<v Speaker 2>to say her name because I'm I did not want

0:15:00.520 --> 0:15:01.880
<v Speaker 2>to drag up. But there was a really good friend

0:15:01.880 --> 0:15:05.680
<v Speaker 2>of mine who had a huge Twitter storm and social

0:15:05.720 --> 0:15:07.960
<v Speaker 2>media storm around her a couple of years ago. It

0:15:08.080 --> 0:15:10.960
<v Speaker 2>was really bad and I'm not gonna lie. It had

0:15:11.000 --> 0:15:13.200
<v Speaker 2>me looking through my Twitter like have I ever said anything?

0:15:13.560 --> 0:15:17.760
<v Speaker 2>Because it's scary? Have I ever? Like you know, I

0:15:17.800 --> 0:15:20.160
<v Speaker 2>was like, oh my gosh, like have I? And I

0:15:20.200 --> 0:15:22.760
<v Speaker 2>didn't think so, but you don't, you know, I don't

0:15:22.760 --> 0:15:24.480
<v Speaker 2>remember every single thing I posted it, but I don't

0:15:24.520 --> 0:15:25.720
<v Speaker 2>know that I was using Twitter.

0:15:25.480 --> 0:15:27.680
<v Speaker 1>In that way challenge Tiffany, although I don't think our

0:15:27.760 --> 0:15:32.720
<v Speaker 1>listeners weren't yeah no, no, but fact same fear, you know.

0:15:32.840 --> 0:15:34.640
<v Speaker 2>And so I can understand where you're coming from, because

0:15:34.640 --> 0:15:38.440
<v Speaker 2>I'm definitely like, uh, you know, like I don't. I

0:15:38.440 --> 0:15:41.720
<v Speaker 2>don't know if I've said anything that would require me

0:15:41.840 --> 0:15:43.920
<v Speaker 2>to be like yikes and so and who knows what.

0:15:44.800 --> 0:15:47.080
<v Speaker 2>I also, I want to offer grace in space, but

0:15:47.120 --> 0:15:49.400
<v Speaker 2>I also want to give people the space to say hey, no,

0:15:49.760 --> 0:15:51.400
<v Speaker 2>So I can understand both sides, you know.

0:15:51.680 --> 0:15:54.360
<v Speaker 1>Yeah, I even struggle trying and I made the mistake

0:15:54.400 --> 0:15:57.400
<v Speaker 1>of sharing my view with my good friend who's Asian

0:15:57.440 --> 0:15:59.720
<v Speaker 1>American and dealing with all this trauma. That was stupid.

0:15:59.800 --> 0:16:01.880
<v Speaker 1>And I'm just going to publicly apologize to her. I've

0:16:01.880 --> 0:16:04.400
<v Speaker 1>already apologized to her privately. No one needs to hear

0:16:04.440 --> 0:16:06.280
<v Speaker 1>me be afraid of what this means for me and

0:16:06.320 --> 0:16:08.680
<v Speaker 1>my Twitter history. Like, no, that is not I'm glad,

0:16:08.680 --> 0:16:13.720
<v Speaker 1>but Tiffany and I we can talk about it. But yes, absolutely,

0:16:13.760 --> 0:16:17.240
<v Speaker 1>And just from a career standpoint, I have just seen two.

0:16:17.320 --> 0:16:19.280
<v Speaker 1>I mean, maybe just because I'm in journalist, I've been

0:16:19.320 --> 0:16:22.040
<v Speaker 1>in journalism circles for so long and maybe it's more common,

0:16:22.120 --> 0:16:24.680
<v Speaker 1>but even people who aren't in journalism. I've got a

0:16:24.720 --> 0:16:27.480
<v Speaker 1>relative who was fired from Delta because she made a

0:16:27.480 --> 0:16:32.040
<v Speaker 1>comment on a Facebook thread on like a news channel's

0:16:32.040 --> 0:16:36.000
<v Speaker 1>Facebook page about a racial injustice. She made a comment

0:16:36.040 --> 0:16:37.760
<v Speaker 1>there and someone saw it and she lost a job.

0:16:37.840 --> 0:16:40.840
<v Speaker 1>So listen, it's not a freedom of speech thing because

0:16:40.880 --> 0:16:44.040
<v Speaker 1>companies are private companies. You know they can they It's

0:16:44.040 --> 0:16:48.000
<v Speaker 1>an at will employment situation, Y'allso just to caution, and

0:16:48.360 --> 0:16:50.640
<v Speaker 1>nothing is private and there's no line I don't think

0:16:50.640 --> 0:16:53.720
<v Speaker 1>between being an employee and then being a person. Honestly,

0:16:53.720 --> 0:16:56.960
<v Speaker 1>if you say something dumb enough, you're you're definitely gonna

0:16:56.960 --> 0:16:58.440
<v Speaker 1>lose job. And if you don't work for a nine

0:16:58.440 --> 0:17:02.240
<v Speaker 1>to five still, you can lose advertisers clients. So yeah,

0:17:02.280 --> 0:17:06.320
<v Speaker 1>I just think twice before you before you post and listen.

0:17:06.359 --> 0:17:08.040
<v Speaker 1>You can download did you know? You can download a

0:17:08.080 --> 0:17:11.480
<v Speaker 1>Twitter history? Like you can download every tweet you've ever

0:17:11.520 --> 0:17:14.879
<v Speaker 1>tweeted and then search and see what's in there. You can.

0:17:15.000 --> 0:17:17.640
<v Speaker 1>It takes a while, but it's a thing. So I'm

0:17:17.640 --> 0:17:19.360
<v Speaker 1>just saying, if y'all are sweating it, you might want

0:17:19.359 --> 0:17:26.160
<v Speaker 1>to try. But speaking of another prominent African American figure,

0:17:26.359 --> 0:17:29.159
<v Speaker 1>we we don't talk much about this particular person, but

0:17:29.200 --> 0:17:31.560
<v Speaker 1>we do. We have talked about he who must not

0:17:31.600 --> 0:17:36.440
<v Speaker 1>be named d What are we calling him? D R? Oh?

0:17:36.520 --> 0:17:39.040
<v Speaker 2>Yeah, I was like, who is talking about a day

0:17:39.240 --> 0:17:41.119
<v Speaker 2>amz Ray?

0:17:41.280 --> 0:17:43.879
<v Speaker 1>So I'm gonna say his name Dave Ramsey.

0:17:44.400 --> 0:17:46.960
<v Speaker 2>I'm gonna start calling him mister bankrupt.

0:17:48.520 --> 0:17:52.040
<v Speaker 1>Like the opposite of the monopoly man. So really quick,

0:17:52.040 --> 0:17:53.919
<v Speaker 1>because the listener actually reached out and they were like,

0:17:53.920 --> 0:17:55.760
<v Speaker 1>did you see the biblicalty on this?

0:17:56.200 --> 0:17:56.600
<v Speaker 2>No?

0:17:57.040 --> 0:18:00.080
<v Speaker 1>Do tell, pray, tell, we love. We should have a

0:18:00.119 --> 0:18:03.639
<v Speaker 1>segment called tea time. Uh yeah, So I mean, not again,

0:18:03.720 --> 0:18:06.119
<v Speaker 1>not to relish anyone's downfall, but this was just a

0:18:06.160 --> 0:18:10.000
<v Speaker 1>real example of the hypocrisy of Dave Ramsey's solutions. So

0:18:10.480 --> 0:18:14.520
<v Speaker 1>it had come out that in some reporting, and we

0:18:14.680 --> 0:18:16.480
<v Speaker 1>published a story. We had posted a link to the

0:18:16.520 --> 0:18:18.159
<v Speaker 1>story in the show notes. I forget now what the

0:18:18.920 --> 0:18:21.520
<v Speaker 1>what the news organization was called, But it had come

0:18:21.520 --> 0:18:24.920
<v Speaker 1>to light that Chris Hogan, one of Dave Ramsey's prominent

0:18:25.240 --> 0:18:26.439
<v Speaker 1>what do you want to call them, like one of

0:18:26.440 --> 0:18:30.159
<v Speaker 1>his internal gurus, like one of his his his people,

0:18:30.320 --> 0:18:33.280
<v Speaker 1>is very prominent figures out there, and he's he actually

0:18:33.320 --> 0:18:35.080
<v Speaker 1>came out and issued a statement on this, and he

0:18:35.119 --> 0:18:38.800
<v Speaker 1>acknowledged she had some misconducts conduct girl ger he cheated,

0:18:39.119 --> 0:18:41.119
<v Speaker 1>he cheated, and his wife has a blog and you

0:18:41.119 --> 0:18:42.040
<v Speaker 1>can check it out, you know.

0:18:42.480 --> 0:18:44.480
<v Speaker 2>And in the way the company like what is that?

0:18:44.800 --> 0:18:47.600
<v Speaker 2>There was? Was it the Religious Times the article that

0:18:47.760 --> 0:18:48.560
<v Speaker 2>was so damning?

0:18:48.840 --> 0:18:51.000
<v Speaker 1>Yes, I the name of it. Yeah, it was something

0:18:51.080 --> 0:18:51.960
<v Speaker 1>like that, yeah.

0:18:51.800 --> 0:18:53.879
<v Speaker 2>Yes, And she that was part of it where she

0:18:53.960 --> 0:18:56.359
<v Speaker 2>talked about how, you know, because they have a moral

0:18:56.400 --> 0:18:59.280
<v Speaker 2>conduct code where people haven't let go for less and

0:18:59.359 --> 0:19:02.560
<v Speaker 2>she went to the company to say, hey, there I

0:19:02.560 --> 0:19:03.680
<v Speaker 2>don't know if it was. I think it was women

0:19:03.720 --> 0:19:05.600
<v Speaker 2>actually actually at the actual job that he had been

0:19:05.600 --> 0:19:09.520
<v Speaker 2>inappropriate with. So he went and they basically intimidated the wife.

0:19:09.600 --> 0:19:12.159
<v Speaker 2>It was like, you know, go ahead on because you know,

0:19:12.200 --> 0:19:14.200
<v Speaker 2>he was one of their big money makers. I guess

0:19:14.240 --> 0:19:17.360
<v Speaker 2>he was just so mussy that they, you know, they

0:19:17.359 --> 0:19:20.440
<v Speaker 2>finally decided to, you know, let him go. I guess.

0:19:20.840 --> 0:19:24.440
<v Speaker 1>Well, meanwhile, I've been searching around. There's actually a complaint,

0:19:24.440 --> 0:19:28.399
<v Speaker 1>a lawsuit filed against the company by a woman who

0:19:28.440 --> 0:19:32.159
<v Speaker 1>claims that she was fired for being pregnant because she

0:19:32.240 --> 0:19:35.000
<v Speaker 1>hadn't because she was not married to her partner. She

0:19:35.160 --> 0:19:37.720
<v Speaker 1>was fired, and she was fired and they told her

0:19:37.720 --> 0:19:39.520
<v Speaker 1>to her face. This is gonna be I don't know,

0:19:39.560 --> 0:19:42.879
<v Speaker 1>the easiest EEOC case ever, because they told her to

0:19:42.920 --> 0:19:45.800
<v Speaker 1>her face like you're in violation of our righteous living clause.

0:19:46.400 --> 0:19:50.720
<v Speaker 1>So righteous living at Dave Ramsey basically means you can

0:19:50.800 --> 0:19:53.640
<v Speaker 1>cheat on your wife, but definitely don't have premarital sex

0:19:53.680 --> 0:19:56.280
<v Speaker 1>with your partner. So she's filed a lawsuit, and it'll

0:19:56.280 --> 0:19:58.920
<v Speaker 1>be interesting to see how that all shakes out. But yeah,

0:19:59.000 --> 0:20:02.560
<v Speaker 1>Chris Hogan is out. He I don't know, it just

0:20:02.600 --> 0:20:06.080
<v Speaker 1>sounds like they let him go, which is is very sad,

0:20:06.119 --> 0:20:08.760
<v Speaker 1>but it just shows you, like the hypocrisy man to

0:20:09.200 --> 0:20:12.120
<v Speaker 1>have this righteous living clause, but it's not it doesn't

0:20:12.119 --> 0:20:16.400
<v Speaker 1>apply to everyone clearly, so it does not even mean anyway.

0:20:16.480 --> 0:20:19.360
<v Speaker 1>So there's your your biblical tea for the day.

0:20:19.880 --> 0:20:22.960
<v Speaker 2>Well this is not biblical tea. But I wanted to

0:20:22.960 --> 0:20:26.600
<v Speaker 2>hear something. I was like, oh, the foolishness. Well, I mean,

0:20:26.680 --> 0:20:28.760
<v Speaker 2>it's not the buzzy buzzworthy today, I know it is

0:20:28.840 --> 0:20:32.960
<v Speaker 2>very buzzy. So I saw like on Twitter, I was like,

0:20:32.960 --> 0:20:35.000
<v Speaker 2>why is Kyllie Jenner trying to trendy? And normally I

0:20:35.000 --> 0:20:38.240
<v Speaker 2>don't care, but I saw Kylie Jenner sixty thousand dollars.

0:20:38.280 --> 0:20:40.600
<v Speaker 2>I'm like, h that seems like not a lot of

0:20:40.600 --> 0:20:43.480
<v Speaker 2>money for a Kylie Jenner. What's this about? So apparently

0:20:43.920 --> 0:20:47.760
<v Speaker 2>Kylie Jenner's makeup artist, who obviously plays a major role

0:20:47.800 --> 0:20:50.119
<v Speaker 2>in her life because you know, like makeup is a

0:20:50.160 --> 0:20:52.359
<v Speaker 2>huge component, like that's where she makes pose to her wealth,

0:20:53.000 --> 0:20:55.439
<v Speaker 2>was in a really bad car accident and as a result,

0:20:55.440 --> 0:20:58.760
<v Speaker 2>actually it needs brain surgery. She posted a gofund me

0:20:59.760 --> 0:21:03.119
<v Speaker 2>where she was like, you know, can you help, you know,

0:21:03.200 --> 0:21:09.719
<v Speaker 2>pay for his surgery, and people lit her up. I'm

0:21:09.760 --> 0:21:17.200
<v Speaker 2>guessing yes, So she personally donated five thousand dollars. Mandy, Oh, Mandy,

0:21:17.440 --> 0:21:19.800
<v Speaker 2>if you need a brain surgery, I got you for ten,

0:21:20.840 --> 0:21:22.040
<v Speaker 2>you know what I mean. But you know what I mean,

0:21:22.160 --> 0:21:24.920
<v Speaker 2>like five, Like not that ten thousand dollars was a

0:21:24.960 --> 0:21:27.840
<v Speaker 2>little bit of money, but not someone who's important to

0:21:27.880 --> 0:21:31.080
<v Speaker 2>me that needs brain surgery in order to stay alive.

0:21:31.920 --> 0:21:34.560
<v Speaker 2>I mean, you know what I mean, Like yeah, for

0:21:34.680 --> 0:21:36.679
<v Speaker 2>someone who is well. We all know that she like

0:21:36.720 --> 0:21:40.000
<v Speaker 2>falsified some of her her her filings to become the

0:21:40.160 --> 0:21:43.280
<v Speaker 2>Forbes youngest. They've since rescinded. But still, this is a

0:21:43.400 --> 0:21:46.600
<v Speaker 2>very wealthy, wealthy, wealthy young woman. And someone said, like

0:21:46.640 --> 0:21:50.080
<v Speaker 2>this is what Princess Mia ninety five on Instagram or

0:21:50.080 --> 0:21:53.800
<v Speaker 2>Twitter tweeted, which is so true. She said, it's not

0:21:54.040 --> 0:21:57.239
<v Speaker 2>even about the fact that she won't pay for for

0:21:57.280 --> 0:22:01.119
<v Speaker 2>the surgery herself. But every single last one of Kylie

0:22:01.240 --> 0:22:05.200
<v Speaker 2>Jenner's sisters is a millionaire, Her parents are millionaires, her

0:22:05.280 --> 0:22:08.960
<v Speaker 2>friends are millionaires. But she asked the middle class for

0:22:09.080 --> 0:22:14.439
<v Speaker 2>money this family. It's true, Like let's just say, like,

0:22:14.520 --> 0:22:18.480
<v Speaker 2>you know, she could just really be like Kim, like

0:22:18.520 --> 0:22:21.480
<v Speaker 2>this is my you know, because if you ever watched Kylie,

0:22:21.520 --> 0:22:24.280
<v Speaker 2>like you know, her lives or her whatever like videos, whatever,

0:22:24.400 --> 0:22:26.760
<v Speaker 2>she's really close to. They're all young, really close to

0:22:26.800 --> 0:22:29.639
<v Speaker 2>her team. So this is someone she considers friend and

0:22:29.720 --> 0:22:32.760
<v Speaker 2>probably partially like her family. And I'm not saying that

0:22:32.840 --> 0:22:37.119
<v Speaker 2>she owes it to this person to pay their medical bills,

0:22:37.400 --> 0:22:40.280
<v Speaker 2>but it's like the audacity to post it, do you

0:22:40.320 --> 0:22:41.120
<v Speaker 2>know what I mean, Like.

0:22:41.200 --> 0:22:43.720
<v Speaker 1>Yeah, just out of touch. I'm sure she was like,

0:22:43.760 --> 0:22:45.720
<v Speaker 1>I'm gonna do a nice thing and share this link.

0:22:46.200 --> 0:22:48.920
<v Speaker 1>So generous, but sixty k like she probably earned that

0:22:48.960 --> 0:22:51.399
<v Speaker 1>while she was like honestly on the phone.

0:22:51.160 --> 0:22:52.960
<v Speaker 2>And you put in five thousand.

0:22:54.119 --> 0:22:57.440
<v Speaker 1>Yeah out, Well, you do remember that story of a

0:22:57.640 --> 0:23:00.840
<v Speaker 1>lady Gaga's dad, he like started a gofund me last

0:23:00.920 --> 0:23:03.600
<v Speaker 1>year after the pandemic hit to pay his restaurant workers,

0:23:04.000 --> 0:23:06.240
<v Speaker 1>and she was like, I'm horrified that he did that,

0:23:06.359 --> 0:23:09.760
<v Speaker 1>but it's uh. And then I think her dog walker,

0:23:09.800 --> 0:23:14.200
<v Speaker 1>the dog walker that uh that was shot walking her dogs.

0:23:14.240 --> 0:23:16.359
<v Speaker 1>From that story, there was a balthu on me for

0:23:16.400 --> 0:23:19.000
<v Speaker 1>his fees. But I feel like Goga probably hasn't covered no.

0:23:19.440 --> 0:23:21.560
<v Speaker 2>I think I read somewhere that she that she paid

0:23:21.600 --> 0:23:22.399
<v Speaker 2>his medical fees.

0:23:22.720 --> 0:23:25.120
<v Speaker 1>I mean she was paying half a MILLI wait, yeah,

0:23:25.160 --> 0:23:28.040
<v Speaker 1>half a million dollars for information about the dogs. I'm like,

0:23:28.080 --> 0:23:32.199
<v Speaker 1>can Yeah, I thought that was like, h wealthy people

0:23:33.040 --> 0:23:39.240
<v Speaker 1>just you know, messing up. Just yeah, anyway, that's you know. Ugh,

0:23:40.119 --> 0:23:43.720
<v Speaker 1>we said Kylie, We said Dave Ramsey. I'm sorry, y'all. Yeah,

0:23:43.800 --> 0:23:44.840
<v Speaker 1>said their names out loud.

0:23:45.359 --> 0:23:47.560
<v Speaker 2>Yeah, I know. But I mean, you know, here's the thing,

0:23:47.600 --> 0:23:49.159
<v Speaker 2>like I said, because honestly, you can do whatever you

0:23:49.200 --> 0:23:51.960
<v Speaker 2>want with your money. Obviously you have the free will

0:23:51.960 --> 0:23:55.000
<v Speaker 2>and the choice. But it's just kind of like, uh,

0:23:55.280 --> 0:23:56.800
<v Speaker 2>it is kind of out of touch, especially with so

0:23:56.800 --> 0:23:59.960
<v Speaker 2>many people struggling now. And let's just say, for whatever reason,

0:24:00.200 --> 0:24:01.679
<v Speaker 2>like this is not her makeup artist or you know,

0:24:01.680 --> 0:24:03.760
<v Speaker 2>because people are like this is this she might not

0:24:03.800 --> 0:24:07.439
<v Speaker 2>even know him or whatever. But if you really, if

0:24:07.520 --> 0:24:09.600
<v Speaker 2>you're wanting to help and serve in that way, you

0:24:09.640 --> 0:24:13.159
<v Speaker 2>could just literally just ask your friends, the people in

0:24:13.200 --> 0:24:16.200
<v Speaker 2>your house right now could chip in and make this happen,

0:24:16.320 --> 0:24:19.840
<v Speaker 2>versus literally reaching out to people who have been let

0:24:19.880 --> 0:24:24.280
<v Speaker 2>go living in quarantine and pandemic, lost jobs, people who

0:24:24.320 --> 0:24:28.240
<v Speaker 2>are literally waiting for stimulus money in order to pay bills,

0:24:29.119 --> 0:24:30.439
<v Speaker 2>like you know what I mean, like, this is not

0:24:30.560 --> 0:24:34.639
<v Speaker 2>normal time. So even if this is not your makeup ar,

0:24:34.680 --> 0:24:37.200
<v Speaker 2>it's not your for whatever. The fact that you could

0:24:37.280 --> 0:24:40.320
<v Speaker 2>just turn to your inner circle and handle this versus

0:24:40.840 --> 0:24:45.399
<v Speaker 2>asking regular everyday people who are actually struggling. Girl stop

0:24:45.920 --> 0:24:49.760
<v Speaker 2>so you know, child, But you know I'm like, m

0:24:50.440 --> 0:24:52.040
<v Speaker 2>you ain't say nothing but a word, jold. I'm gonna

0:24:52.080 --> 0:24:56.440
<v Speaker 2>read up on this, this Chris Hogan thing, because I yeah,

0:24:56.880 --> 0:24:59.240
<v Speaker 2>I just hope this is why you know, manjoin I

0:24:59.240 --> 0:25:01.120
<v Speaker 2>always say, we don't wan believing, we don't not even

0:25:01.119 --> 0:25:03.320
<v Speaker 2>not really, we don't believe in gurus that we're your

0:25:03.320 --> 0:25:07.040
<v Speaker 2>financial girlfriends because I don't think it's smart to get

0:25:07.119 --> 0:25:09.680
<v Speaker 2>every single piece of financial advice from one person because

0:25:09.680 --> 0:25:13.119
<v Speaker 2>how possibly can they know all things? Imagine if your

0:25:13.160 --> 0:25:15.000
<v Speaker 2>doctor you're like, ooh I broke my leg, I can

0:25:15.080 --> 0:25:17.479
<v Speaker 2>fix that. Oh my tooth, I can fix that. I

0:25:17.480 --> 0:25:20.399
<v Speaker 2>need my back crack, I could do that. How how

0:25:20.440 --> 0:25:24.160
<v Speaker 2>can your one doctor be an expert in every single component?

0:25:24.920 --> 0:25:27.919
<v Speaker 2>He would be like a buffet business. You never go

0:25:27.960 --> 0:25:31.400
<v Speaker 2>to buffets for your favorite food because they're only okay

0:25:31.520 --> 0:25:33.919
<v Speaker 2>at everything. And that's what you get when you have

0:25:33.960 --> 0:25:36.199
<v Speaker 2>someone who's like come, to me for all your things.

0:25:36.680 --> 0:25:39.440
<v Speaker 2>It's like it's good to mix and match because then

0:25:39.520 --> 0:25:42.840
<v Speaker 2>you can have discernment over you know what that actually

0:25:42.840 --> 0:25:46.000
<v Speaker 2>doesn't make sense, you know. Like Nativa, she's one of

0:25:46.000 --> 0:25:48.359
<v Speaker 2>my favorite go tos a Kruger credit nie stuff for

0:25:48.400 --> 0:25:50.480
<v Speaker 2>all things credit, because she like devotes her life to

0:25:50.560 --> 0:25:54.240
<v Speaker 2>credit knowledge, you know. And like Sandy, if I'm talking

0:25:54.280 --> 0:25:56.200
<v Speaker 2>about side hustles and how to make money outside of

0:25:56.240 --> 0:25:58.560
<v Speaker 2>your job, or even how to actually make money while

0:25:58.840 --> 0:26:02.119
<v Speaker 2>at your job, Sandy had devoted years and years to

0:26:02.200 --> 0:26:04.200
<v Speaker 2>research about how best to do this, So of course

0:26:04.200 --> 0:26:05.920
<v Speaker 2>you're gonna lean to her. You know. I got the

0:26:05.960 --> 0:26:08.800
<v Speaker 2>budgeting girl. My name is budgetista. That's what I do,

0:26:08.840 --> 0:26:11.760
<v Speaker 2>you know. And so I just share all of that

0:26:11.840 --> 0:26:17.120
<v Speaker 2>because I think it's this is a lesson that hopefully

0:26:17.200 --> 0:26:21.119
<v Speaker 2>people who are still d are fans to know that

0:26:21.200 --> 0:26:23.960
<v Speaker 2>it's okay, you know, if that's any He certainly has

0:26:23.960 --> 0:26:28.000
<v Speaker 2>some advice that is helpful, but like the fact that

0:26:28.359 --> 0:26:31.000
<v Speaker 2>his advice is only take his advice is harmful.

0:26:31.520 --> 0:26:33.399
<v Speaker 1>Yeah, and that they don't they're not even willing to

0:26:33.440 --> 0:26:37.080
<v Speaker 1>give medical maternity benefits to a young woman on their staff.

0:26:37.400 --> 0:26:37.720
<v Speaker 2>Girls.

0:26:38.240 --> 0:26:40.200
<v Speaker 1>I'm sorry, I would love to see this. You gotta

0:26:40.200 --> 0:26:42.200
<v Speaker 1>read this complaint to in this court. And I was

0:26:42.280 --> 0:26:44.359
<v Speaker 1>kind of reading like the judges response and stuff like

0:26:44.720 --> 0:26:47.200
<v Speaker 1>how do you define righteous living? And I'm sorry, are

0:26:47.200 --> 0:26:49.879
<v Speaker 1>you going to present a list of everyone's past sexual

0:26:49.920 --> 0:26:51.960
<v Speaker 1>history so you can see if this has been applied

0:26:52.000 --> 0:26:53.520
<v Speaker 1>equally across employees?

0:26:53.680 --> 0:26:55.439
<v Speaker 2>And first of all, what part of the Bible is that?

0:26:55.880 --> 0:26:58.359
<v Speaker 2>I just don't even what Jesus do? You know, because

0:26:58.359 --> 0:27:03.360
<v Speaker 2>I'm like, sir, literally, really Jesus hung out with tax collectors,

0:27:03.400 --> 0:27:08.879
<v Speaker 2>prostitute people like he His thing was, I want to

0:27:08.960 --> 0:27:12.720
<v Speaker 2>invite those folks in to hopefully, you know that through

0:27:12.800 --> 0:27:15.879
<v Speaker 2>the way I live, that they will elevate, elevate the

0:27:15.880 --> 0:27:19.119
<v Speaker 2>way they live. He was not about banishing folks. So

0:27:19.160 --> 0:27:20.960
<v Speaker 2>it's I just don't know what god these people serve,

0:27:21.359 --> 0:27:24.480
<v Speaker 2>the God of money, you know, because it's certainly not

0:27:24.640 --> 0:27:26.919
<v Speaker 2>you know, the God of the Bible that they profess

0:27:27.040 --> 0:27:30.080
<v Speaker 2>to serve. You know, it's just not I just like, literally,

0:27:30.119 --> 0:27:32.920
<v Speaker 2>nowhere does it say that that you turn someone away,

0:27:33.000 --> 0:27:37.360
<v Speaker 2>you push someone out. It's literally the opposite, the literal opposite.

0:27:37.560 --> 0:27:39.680
<v Speaker 1>Please never put me on a pedestal. I just don't

0:27:39.680 --> 0:27:40.320
<v Speaker 1>want to fall.

0:27:40.359 --> 0:27:41.399
<v Speaker 2>Yes, please, I'm not.

0:27:41.680 --> 0:27:42.439
<v Speaker 1>I'm readily here.

0:27:42.480 --> 0:27:45.360
<v Speaker 2>That's why I love my own tea. I'm like, oh child,

0:27:45.400 --> 0:27:47.120
<v Speaker 2>let me tell you how somebody took me for all

0:27:47.119 --> 0:27:48.879
<v Speaker 2>my money and I had foreclosure.

0:27:50.080 --> 0:27:52.399
<v Speaker 1>Yeah, I'm not gonna because that. You can't pretend like

0:27:52.440 --> 0:27:55.000
<v Speaker 1>you're perfect, because you're just asking yourself for you know,

0:27:55.320 --> 0:27:57.679
<v Speaker 1>just asking yourself for someone to find some dirt on you.

0:27:58.680 --> 0:28:02.640
<v Speaker 1>Andrew Cuomo. Okay, so shall we move on to questions

0:28:02.640 --> 0:28:04.320
<v Speaker 1>real quick and take a quick break.

0:28:04.720 --> 0:28:35.960
<v Speaker 3>Okay, that was a lot of some buzzy tea.

0:28:41.200 --> 0:28:43.480
<v Speaker 1>All right, so we are back with your questions. And

0:28:43.600 --> 0:28:46.600
<v Speaker 1>actually there's a really fun new way for you guys

0:28:46.600 --> 0:28:49.680
<v Speaker 1>to send us questions. You can actually call or text us.

0:28:49.760 --> 0:28:50.240
<v Speaker 1>Did you know what.

0:28:50.200 --> 0:28:51.320
<v Speaker 2>Toll we fancy?

0:28:51.880 --> 0:28:55.160
<v Speaker 1>Fancy? It's also kind of old school, you know, just

0:28:55.200 --> 0:28:57.320
<v Speaker 1>like pick up the phone, call your friends. Let's call

0:28:57.320 --> 0:29:01.120
<v Speaker 1>it the money the Brand Ambition Hotline hot hotline. So

0:29:01.200 --> 0:29:02.760
<v Speaker 1>let me share that number with you if y'all want

0:29:02.760 --> 0:29:04.320
<v Speaker 1>to share it. You can still, you know, get your

0:29:04.360 --> 0:29:07.960
<v Speaker 1>questions to us the old fashioned ways through IGDM or

0:29:08.000 --> 0:29:11.280
<v Speaker 1>through email at brandambisionpodcast at gmail dot com. But if

0:29:11.280 --> 0:29:13.520
<v Speaker 1>you'd like to call our hotline and leave a voicemail,

0:29:13.640 --> 0:29:16.040
<v Speaker 1>or text us. You can reach us at eight four

0:29:16.200 --> 0:29:20.400
<v Speaker 1>four eight five eight eight zero eight zero. That's eight

0:29:20.440 --> 0:29:23.800
<v Speaker 1>four four eight five eight eight zero eight zero. We

0:29:23.840 --> 0:29:25.760
<v Speaker 1>can't wait to listen to your questions and we might

0:29:25.840 --> 0:29:27.040
<v Speaker 1>feature you on the show.

0:29:27.480 --> 0:29:28.920
<v Speaker 2>Yes, love it.

0:29:29.680 --> 0:29:32.840
<v Speaker 1>But in the meantime, let's shake up this mail bag.

0:29:32.840 --> 0:29:34.920
<v Speaker 1>We have a couple of questions from people who are

0:29:34.920 --> 0:29:38.280
<v Speaker 1>thinking about so. As you guys might know, mortgage rates

0:29:38.280 --> 0:29:40.720
<v Speaker 1>are still creeping. They're creeping up a little bit, but

0:29:40.720 --> 0:29:44.320
<v Speaker 1>they're still historically very very low. And for people who

0:29:44.360 --> 0:29:46.480
<v Speaker 1>have a lot of equity in their home, meaning that

0:29:46.880 --> 0:29:49.920
<v Speaker 1>their home is valued more than their existing balance on

0:29:49.960 --> 0:29:53.719
<v Speaker 1>their mortgage, that's equity, and you can often borrow against

0:29:53.720 --> 0:29:56.680
<v Speaker 1>that equity, which means you're saying, hey, bank, I've got

0:29:56.720 --> 0:29:59.240
<v Speaker 1>like fifty thousand dollars worth of equity in my home.

0:29:59.560 --> 0:30:01.680
<v Speaker 1>Why don't you do you give me a cash loan

0:30:01.960 --> 0:30:05.280
<v Speaker 1>for ten thousand dollars and give it to me at

0:30:05.280 --> 0:30:08.640
<v Speaker 1>a lower rate, and I will secure it with my home.

0:30:08.960 --> 0:30:10.959
<v Speaker 1>That's basically what a home equity loan is. That's why

0:30:11.000 --> 0:30:13.880
<v Speaker 1>they call it a second mortgage, because you are using

0:30:13.920 --> 0:30:17.160
<v Speaker 1>your home again as collateral on that home equity loan.

0:30:17.560 --> 0:30:20.400
<v Speaker 1>And the benefit to you is that you get the

0:30:20.440 --> 0:30:23.400
<v Speaker 1>loan at a lower rate because again you're offering collateral,

0:30:23.440 --> 0:30:25.720
<v Speaker 1>so the bank feels a little bit more secure loaning

0:30:25.760 --> 0:30:28.520
<v Speaker 1>it out to you. And some people have found themselves

0:30:28.520 --> 0:30:31.400
<v Speaker 1>more and more in that position this year because demand

0:30:31.400 --> 0:30:33.800
<v Speaker 1>for houses is going up a lot of places people

0:30:33.840 --> 0:30:36.240
<v Speaker 1>are staying put and they're saying, what can I do

0:30:36.280 --> 0:30:39.920
<v Speaker 1>with all this equity lying around? Thank you for entertaining

0:30:39.920 --> 0:30:43.920
<v Speaker 1>my indulging, my quick little this definition, and just feel

0:30:43.960 --> 0:30:46.680
<v Speaker 1>like let's start from the beginning, all right, So let

0:30:46.720 --> 0:30:50.600
<v Speaker 1>me get to these questions, all right. This a couple

0:30:50.640 --> 0:30:54.040
<v Speaker 1>of listeners. So question one comes from Instagram. She says,

0:30:54.200 --> 0:30:56.400
<v Speaker 1>what are your thoughts on using a home equity line

0:30:56.440 --> 0:30:59.040
<v Speaker 1>of credit to pay off a mortgage? Quicker? I have

0:30:59.080 --> 0:31:02.719
<v Speaker 1>about fifteen fifteen years left in my thirty year mortgage. However,

0:31:02.920 --> 0:31:04.920
<v Speaker 1>due to having student loan debt I took on for

0:31:05.080 --> 0:31:08.080
<v Speaker 1>my children, I cannot tap into the equity I now have.

0:31:08.680 --> 0:31:11.480
<v Speaker 1>That means no cash out refinance for me. My debt

0:31:11.480 --> 0:31:14.400
<v Speaker 1>to income ratio is too high. Despite having no credit

0:31:14.480 --> 0:31:17.040
<v Speaker 1>card debt and a credit score of seven hundred, I'm

0:31:17.080 --> 0:31:19.680
<v Speaker 1>paying double the going interest rate and frankly, I want

0:31:19.680 --> 0:31:22.760
<v Speaker 1>to give these banks the finger. I saw this as

0:31:22.800 --> 0:31:25.640
<v Speaker 1>a strategy, but I want to know what y'all think. Wait,

0:31:25.760 --> 0:31:28.800
<v Speaker 1>what what are your thoughts? I'm gonna start from the beginning.

0:31:28.800 --> 0:31:30.760
<v Speaker 1>What are your thoughts on using a home equity loan

0:31:30.960 --> 0:31:33.840
<v Speaker 1>line of credit to pay off a mortgage? Quicker, I

0:31:33.880 --> 0:31:37.280
<v Speaker 1>have about fifteen years left, so you can't do that.

0:31:37.560 --> 0:31:40.120
<v Speaker 2>Yees, come like, wait, so is it the same house

0:31:40.200 --> 0:31:41.120
<v Speaker 2>or two different houses?

0:31:41.400 --> 0:31:44.320
<v Speaker 1>It seems like the you know what, No, it seems

0:31:44.320 --> 0:31:45.160
<v Speaker 1>like the same house.

0:31:46.000 --> 0:31:46.920
<v Speaker 2>I don't know.

0:31:47.560 --> 0:31:50.120
<v Speaker 1>You can't borrow. That wouldn't work because then when you're

0:31:50.120 --> 0:31:53.880
<v Speaker 1>taking out a home equity loan against your current house,

0:31:54.000 --> 0:31:55.520
<v Speaker 1>that's just an additional mortgage.

0:31:55.800 --> 0:31:58.800
<v Speaker 2>Yes it's a new more so, it's a new mortgage,

0:31:58.880 --> 0:32:01.480
<v Speaker 2>so you would owe that moreage. So, for example, just

0:32:01.480 --> 0:32:03.719
<v Speaker 2>think about credit cards, right, So let's just say you

0:32:03.720 --> 0:32:07.320
<v Speaker 2>say I owe ten thousand dollars on this credit card. Yikes,

0:32:07.600 --> 0:32:09.000
<v Speaker 2>And you're like, you know what, I'm going to take

0:32:09.000 --> 0:32:11.200
<v Speaker 2>out a cash advance of ten thousand dollars on this

0:32:11.240 --> 0:32:13.840
<v Speaker 2>credit card. Let's just say, for whatever crazy reason, they

0:32:13.880 --> 0:32:16.040
<v Speaker 2>give you the ten So now you owe instead of

0:32:16.080 --> 0:32:18.800
<v Speaker 2>ten thousand dollars you owe twenty. Now you use that

0:32:18.920 --> 0:32:21.720
<v Speaker 2>ten to pay off the old loan who it's paid off.

0:32:21.960 --> 0:32:24.840
<v Speaker 2>But wait, I still owe ten because I owe the

0:32:25.000 --> 0:32:27.960
<v Speaker 2>ten on the new loan. So that's how that would work.

0:32:28.040 --> 0:32:30.880
<v Speaker 2>So unless the only way I could think about this

0:32:31.200 --> 0:32:34.920
<v Speaker 2>is if they meant that it's two separate houses that

0:32:35.040 --> 0:32:38.280
<v Speaker 2>you were pulling out equity from one house to pay off,

0:32:38.520 --> 0:32:40.720
<v Speaker 2>you know, the mortgage on another house. That's the only

0:32:40.760 --> 0:32:41.720
<v Speaker 2>way I could see that.

0:32:41.960 --> 0:32:44.640
<v Speaker 1>I think it took me a couple of times reading this,

0:32:44.680 --> 0:32:47.640
<v Speaker 1>but I'm actually very interested in this because so I

0:32:47.680 --> 0:32:50.760
<v Speaker 1>think what this listener is saying she once remain anonymous,

0:32:50.840 --> 0:32:52.800
<v Speaker 1>is that so she has fifteen years left on her

0:32:52.840 --> 0:32:55.840
<v Speaker 1>mortgage she has. So the key things that a mortgage

0:32:55.880 --> 0:32:57.960
<v Speaker 1>lender is looking at when they are seeing if you

0:32:58.040 --> 0:33:02.240
<v Speaker 1>qualify or not, and it's very or the underwriting process

0:33:02.360 --> 0:33:04.640
<v Speaker 1>or like the vetting process for getting a home equity

0:33:04.680 --> 0:33:07.720
<v Speaker 1>loan as it is for a traditional mortgage, because it's

0:33:07.720 --> 0:33:11.400
<v Speaker 1>basically the same thing, just probably a lower amount. Anyway,

0:33:11.480 --> 0:33:13.520
<v Speaker 1>So the key things when you're applying for a mortgage

0:33:13.560 --> 0:33:15.960
<v Speaker 1>that they're looking for is what your DTI your debt

0:33:16.080 --> 0:33:19.200
<v Speaker 1>income ratio. That's how much your monthly debt payments are

0:33:19.280 --> 0:33:22.280
<v Speaker 1>versus your monthly income and then your credit score. And

0:33:22.320 --> 0:33:25.560
<v Speaker 1>she's saying her credit score is actually good at seven hundred,

0:33:25.880 --> 0:33:27.880
<v Speaker 1>but she has a lot of student loans that she

0:33:27.920 --> 0:33:29.960
<v Speaker 1>took on for her children. Sounds like she might have

0:33:30.000 --> 0:33:32.800
<v Speaker 1>co signed them or taken them out herself, and she's

0:33:32.840 --> 0:33:36.440
<v Speaker 1>not able to qualify for a refi because she's saying

0:33:36.520 --> 0:33:39.479
<v Speaker 1>that the mortgage she has now stay with me is

0:33:39.680 --> 0:33:43.120
<v Speaker 1>double the going interest rate that's being offered. She says, so,

0:33:43.160 --> 0:33:45.680
<v Speaker 1>I think what's happening is like a lot of homeowners

0:33:45.720 --> 0:33:48.360
<v Speaker 1>with mortgages right now who have rates that are a

0:33:48.400 --> 0:33:50.760
<v Speaker 1>lot higher than what's the going rate right now. It's

0:33:50.840 --> 0:33:53.920
<v Speaker 1>what three something I forget or even lower. It's been

0:33:54.320 --> 0:33:57.640
<v Speaker 1>lower than three. She's saying, like the standard thing would

0:33:57.640 --> 0:34:00.320
<v Speaker 1>be to do a refine, right yase, yeah, because then

0:34:00.360 --> 0:34:02.360
<v Speaker 1>I could get a lower interest rate and save money,

0:34:02.640 --> 0:34:07.200
<v Speaker 1>but because of her high debt balance, she can't do that.

0:34:07.280 --> 0:34:08.799
<v Speaker 1>We we we with you now.

0:34:11.239 --> 0:34:11.799
<v Speaker 2>Putting down.

0:34:13.160 --> 0:34:16.640
<v Speaker 1>So her idea is so with a home equity loan,

0:34:16.840 --> 0:34:19.800
<v Speaker 1>basically this is like a I mean, the underwriting process

0:34:19.840 --> 0:34:22.160
<v Speaker 1>is still similar because you are, like, you know, applying

0:34:22.200 --> 0:34:23.800
<v Speaker 1>for a loan from a bank and your home is

0:34:23.840 --> 0:34:27.319
<v Speaker 1>securing it that maybe she'll get qualified for a home

0:34:27.320 --> 0:34:30.480
<v Speaker 1>equity loan that would help her pay off her mortgage

0:34:30.480 --> 0:34:34.680
<v Speaker 1>a little bit quicker. I still don't know if you qualify,

0:34:35.040 --> 0:34:37.560
<v Speaker 1>because they're going to look at your DTI too, and

0:34:37.600 --> 0:34:40.120
<v Speaker 1>they're going to consider that new home equity loan part

0:34:40.160 --> 0:34:42.680
<v Speaker 1>of your debt. When they do that, like they're going

0:34:42.760 --> 0:34:45.880
<v Speaker 1>to say, I don't know. I mean, I mean you

0:34:45.920 --> 0:34:48.719
<v Speaker 1>can try. I'm actually could you try and let us know?

0:34:48.760 --> 0:34:49.920
<v Speaker 1>Because I'm very curious.

0:34:50.880 --> 0:34:53.840
<v Speaker 2>Yeah. Well, because although it might be easier because to

0:34:53.880 --> 0:34:58.520
<v Speaker 2>her point that you know, the houses, the the collateral,

0:34:58.600 --> 0:35:01.799
<v Speaker 2>you know, yeah, so I mean you never Here's the

0:35:01.840 --> 0:35:05.560
<v Speaker 2>thing I ask, like, don't say, hey, I'm doing this

0:35:05.600 --> 0:35:08.200
<v Speaker 2>has a way to get around just say, you know,

0:35:08.360 --> 0:35:09.880
<v Speaker 2>like I would. I would reach out to like a

0:35:09.920 --> 0:35:13.000
<v Speaker 2>mortgage broker and just ask and just say, you know, hey,

0:35:13.040 --> 0:35:15.120
<v Speaker 2>this is what I was thinking. Because then you you

0:35:15.160 --> 0:35:19.520
<v Speaker 2>to your point. But the only thing is Manda, what

0:35:19.640 --> 0:35:26.000
<v Speaker 2>about she hmmm cash out REFI Is that what she's

0:35:26.040 --> 0:35:28.239
<v Speaker 2>trying to do, because like.

0:35:28.719 --> 0:35:31.320
<v Speaker 1>She might want to kill two brands with one stone,

0:35:31.400 --> 0:35:34.160
<v Speaker 1>like refin her mortgage, but with the cash out REFI

0:35:34.760 --> 0:35:37.400
<v Speaker 1>you actually take cash out at the same time, so

0:35:37.480 --> 0:35:40.120
<v Speaker 1>maybe she's thinking refine refinance, so let I get a

0:35:40.120 --> 0:35:43.279
<v Speaker 1>lower rate check and then take cash out. So but

0:35:43.320 --> 0:35:45.600
<v Speaker 1>then put it right back, Yeah, put it right back.

0:35:45.800 --> 0:35:48.040
<v Speaker 2>I mean it's possible. It's possible because we were going

0:35:48.080 --> 0:35:51.120
<v Speaker 2>to do a cash out refly and basically to your point, well,

0:35:51.600 --> 0:35:53.759
<v Speaker 2>it's did well because our house is paid off. So

0:35:54.000 --> 0:35:57.120
<v Speaker 2>I don't know. It wasn't like am I swapping a mortgage,

0:35:57.200 --> 0:35:59.240
<v Speaker 2>you know, basically want to swap one mortgage for another.

0:35:59.320 --> 0:36:01.960
<v Speaker 2>I had It's worth a try. I don't know. I'm

0:36:02.000 --> 0:36:04.319
<v Speaker 2>not a mortgage brokeer, so I don't know if that

0:36:04.360 --> 0:36:06.359
<v Speaker 2>would be you know, if they allow it.

0:36:06.440 --> 0:36:09.919
<v Speaker 1>But yeah, yeah, I also think, you know, if it's

0:36:09.920 --> 0:36:12.480
<v Speaker 1>true that you've got student loan debt that you've took

0:36:12.520 --> 0:36:14.960
<v Speaker 1>taken on for your children, but your credit score is

0:36:15.000 --> 0:36:16.839
<v Speaker 1>seven hundred, you know, I wonder if a bank would

0:36:16.840 --> 0:36:20.279
<v Speaker 1>be willing to work with you even with your the

0:36:20.320 --> 0:36:22.840
<v Speaker 1>amount of student loan debt and doesn't sound like you

0:36:22.960 --> 0:36:24.799
<v Speaker 1>have you know, check to see if you've been pre

0:36:24.880 --> 0:36:28.160
<v Speaker 1>approved for refinance, but maybe you should try you know,

0:36:28.280 --> 0:36:31.080
<v Speaker 1>credit Union and with the you know, I don't know

0:36:31.120 --> 0:36:32.920
<v Speaker 1>what kind of student loan debt. It is, or if

0:36:32.920 --> 0:36:35.080
<v Speaker 1>you have like let's say it's federal and then you

0:36:35.160 --> 0:36:39.239
<v Speaker 1>have access to an income based repayment plan, maybe there's

0:36:39.280 --> 0:36:41.840
<v Speaker 1>a way, because it does. You know, it's it sucks

0:36:41.880 --> 0:36:44.239
<v Speaker 1>if you're a homeowner and I have family in the

0:36:44.239 --> 0:36:47.080
<v Speaker 1>same position, Like they lost their jobs last year, but

0:36:47.320 --> 0:36:50.279
<v Speaker 1>their rate is like six percent. They'd love to refinance,

0:36:50.440 --> 0:36:52.600
<v Speaker 1>but they can't because a bank needs to see employments

0:36:52.760 --> 0:36:56.239
<v Speaker 1>for yes, so you're just stuck. It's just like, it's

0:36:56.280 --> 0:36:59.480
<v Speaker 1>another example of how the financial institutions and the way

0:36:59.520 --> 0:37:02.400
<v Speaker 1>that financial systems work just don't work for poor people

0:37:02.600 --> 0:37:06.319
<v Speaker 1>and people. Yeah, it's a shame. But thank you for

0:37:06.360 --> 0:37:10.240
<v Speaker 1>this really challenging question. Yes, I just like talking about

0:37:10.239 --> 0:37:13.520
<v Speaker 1>home equity loans. Okay, here's a similar one too, so

0:37:13.920 --> 0:37:17.120
<v Speaker 1>uh wait a second, Oh oh this is why. So

0:37:17.160 --> 0:37:18.920
<v Speaker 1>this is actually not a question. She's just sharing a

0:37:18.960 --> 0:37:20.920
<v Speaker 1>win with us. Can we share a win from a listener?

0:37:21.000 --> 0:37:21.719
<v Speaker 2>Yeah, I'd love that.

0:37:21.800 --> 0:37:24.279
<v Speaker 1>We're down with that. Okay, wants to remain anonymous, but

0:37:24.320 --> 0:37:26.359
<v Speaker 1>she says, I've been listening to your show and it's

0:37:26.440 --> 0:37:29.120
<v Speaker 1>made me think more wisely about the money decisions that

0:37:29.160 --> 0:37:31.719
<v Speaker 1>I make. So I decided to do a second mortgage

0:37:31.719 --> 0:37:34.080
<v Speaker 1>and pay off all my credit card debt. The interest

0:37:34.160 --> 0:37:36.800
<v Speaker 1>rate I got on my home equity loan was way lower.

0:37:37.200 --> 0:37:40.360
<v Speaker 1>Some of my cards had interest rates of over twenty percent.

0:37:40.880 --> 0:37:42.799
<v Speaker 1>I was able to get a home equity loan at

0:37:42.800 --> 0:37:45.239
<v Speaker 1>four percent and paid off all my credit card debt

0:37:45.400 --> 0:37:48.000
<v Speaker 1>the icing on the cake. My credit score increased by

0:37:48.080 --> 0:37:52.040
<v Speaker 1>ninety five points. Just wanted to thank my money BFFs.

0:37:52.120 --> 0:37:56.840
<v Speaker 1>In my head, that's wonderful. Okay, that's like more traditional

0:37:57.080 --> 0:37:59.480
<v Speaker 1>and this is you know, there's pros and cons to that, right,

0:38:00.120 --> 0:38:02.799
<v Speaker 1>taking out a home equity loan. Again, the pro is

0:38:02.800 --> 0:38:06.560
<v Speaker 1>that because you're securing it with collateral being your house,

0:38:06.960 --> 0:38:09.600
<v Speaker 1>the bank is willing to give you a decent much

0:38:09.719 --> 0:38:11.520
<v Speaker 1>a much lower rate than you might get from like

0:38:11.560 --> 0:38:13.920
<v Speaker 1>a credit card. And that is yeah, that is something

0:38:13.960 --> 0:38:15.600
<v Speaker 1>that you can do with that money. It's yours to

0:38:15.640 --> 0:38:17.640
<v Speaker 1>do with what you as you wish whenever you get it.

0:38:18.000 --> 0:38:20.920
<v Speaker 1>So using it to consolidate credit card debt is is

0:38:20.920 --> 0:38:21.959
<v Speaker 1>an option for sure.

0:38:22.680 --> 0:38:24.640
<v Speaker 2>No, yeah, I was like, and you did it right

0:38:24.680 --> 0:38:29.680
<v Speaker 2>now because now you owe but at a rate that

0:38:29.960 --> 0:38:34.480
<v Speaker 2>is significantly less, So that is definitely a win. Sometimes

0:38:34.480 --> 0:38:36.800
<v Speaker 2>like the reason why. You hear some financial gurus and

0:38:36.800 --> 0:38:40.000
<v Speaker 2>stuff say like, oh, basically you're trading debt for debt. No,

0:38:40.320 --> 0:38:46.360
<v Speaker 2>I mean, yes, you are. You're trading a debt for debt,

0:38:46.680 --> 0:38:51.239
<v Speaker 2>but less expensive debt. You're trading less expensive debt, and

0:38:51.280 --> 0:38:54.399
<v Speaker 2>the key is to really pay down that less expensive debt,

0:38:54.440 --> 0:38:56.040
<v Speaker 2>not to run the other debt back up again.

0:38:56.400 --> 0:38:59.040
<v Speaker 1>Yeah, just put those cards away. That's what you have

0:38:59.080 --> 0:38:59.879
<v Speaker 1>to do. That's the key.

0:39:00.239 --> 0:39:00.400
<v Speaker 2>You know.

0:39:00.440 --> 0:39:02.000
<v Speaker 1>When I used to work for a company where we

0:39:02.040 --> 0:39:05.799
<v Speaker 1>would help match people to different loan options, the sad

0:39:05.800 --> 0:39:09.080
<v Speaker 1>thing was how many repeat customers there were for loans

0:39:09.120 --> 0:39:12.920
<v Speaker 1>like this and for personal loans because or debt consolidation loans,

0:39:13.320 --> 0:39:15.879
<v Speaker 1>because yeah, it was just like a band aid. I'm

0:39:15.880 --> 0:39:17.839
<v Speaker 1>going to get this loan, pay off my high interest debt,

0:39:17.920 --> 0:39:20.440
<v Speaker 1>and I'm gonna you know, I have this feeling of

0:39:20.520 --> 0:39:23.120
<v Speaker 1>like I've done something, I'm taking care of it, and

0:39:23.160 --> 0:39:26.000
<v Speaker 1>then the old habits rear their ugly heads again.

0:39:26.440 --> 0:39:26.680
<v Speaker 2>Yep.

0:39:26.800 --> 0:39:27.879
<v Speaker 1>Yeah, so this.

0:39:27.920 --> 0:39:30.000
<v Speaker 2>Was one of the reasons why these companies love them.

0:39:30.040 --> 0:39:31.440
<v Speaker 2>Not you, girl, that's not what you're going to do.

0:39:31.760 --> 0:39:33.560
<v Speaker 2>But I'm yes saying you want to be just mindful.

0:39:33.560 --> 0:39:36.440
<v Speaker 2>I tell people, you know, yourself best. You know, like,

0:39:36.880 --> 0:39:39.279
<v Speaker 2>if you know you're not quite ready to pay off

0:39:39.320 --> 0:39:42.600
<v Speaker 2>any kind of debt, whether it's expensive or otherwise, then

0:39:42.880 --> 0:39:44.760
<v Speaker 2>you know, get to a place where you do feel

0:39:44.760 --> 0:39:47.440
<v Speaker 2>ready that if you chew trade in your expensive debt

0:39:47.480 --> 0:39:51.160
<v Speaker 2>for your less expensive debt through refinancing, through balanced transfer,

0:39:51.400 --> 0:39:53.799
<v Speaker 2>whatever that looks like, then you know, because it could

0:39:53.840 --> 0:39:56.560
<v Speaker 2>really be beneficial. That's how that was one of the

0:39:56.600 --> 0:39:58.480
<v Speaker 2>ways I was able to dig myself out of that

0:39:59.040 --> 0:40:01.400
<v Speaker 2>scam that I experience in my twenties is that I

0:40:01.480 --> 0:40:04.279
<v Speaker 2>transferred all of that debt, that thirty five thousand dollars

0:40:04.280 --> 0:40:06.480
<v Speaker 2>in credit card debt to credit cards that had the

0:40:06.719 --> 0:40:09.040
<v Speaker 2>zero percent interest rate, And so I was able to

0:40:09.040 --> 0:40:11.680
<v Speaker 2>pay it off by doing that, you know, and so

0:40:12.120 --> 0:40:14.200
<v Speaker 2>because I was ready to really like stick to it.

0:40:14.520 --> 0:40:16.719
<v Speaker 2>So it's helpful if you're ready to stick to it,

0:40:16.760 --> 0:40:18.840
<v Speaker 2>but can actually be very harmful if you're not.

0:40:19.960 --> 0:40:22.480
<v Speaker 1>Well, I'm glad that it worked out for you. Yeah, Anonymous,

0:40:22.480 --> 0:40:24.520
<v Speaker 1>I wish we could say your name, but go girl,

0:40:24.680 --> 0:40:27.040
<v Speaker 1>that's amazing it is that this is just the beginning

0:40:27.080 --> 0:40:29.280
<v Speaker 1>of a fresh start for you. Is that a jump

0:40:29.320 --> 0:40:33.960
<v Speaker 1>like Jordan moved tip ninety five points? Yes, girl, jump

0:40:34.080 --> 0:40:36.960
<v Speaker 1>like Jordan, not to steal your catchphrase, drift do I

0:40:36.960 --> 0:40:38.440
<v Speaker 1>owe you now a real girl?

0:40:38.480 --> 0:40:40.879
<v Speaker 2>Please? That's not even my cashphrase. He like, I want

0:40:40.920 --> 0:40:44.600
<v Speaker 2>to go for my U that said jump like Jordan. Girl,

0:40:44.600 --> 0:40:46.200
<v Speaker 2>it was gone. I was like, you know what, I

0:40:46.200 --> 0:40:48.080
<v Speaker 2>ain't even mad, bro, I was supposed to say all

0:40:48.160 --> 0:40:52.000
<v Speaker 2>that because someone said girl. I was trying to share

0:40:52.080 --> 0:40:54.400
<v Speaker 2>my jump like Jordan YouTube video with my cousin. I

0:40:54.400 --> 0:40:57.440
<v Speaker 2>can't find it. I was like, really jump like ooh.

0:40:57.480 --> 0:40:58.640
<v Speaker 2>He was like, not up in here.

0:41:01.280 --> 0:41:03.040
<v Speaker 1>That's like when I try and post a cute video.

0:41:03.320 --> 0:41:05.000
<v Speaker 1>I think I posted a cute video of me and

0:41:05.040 --> 0:41:07.200
<v Speaker 1>the baby dancing and Instagram was like, we're taking that

0:41:07.280 --> 0:41:09.840
<v Speaker 1>down because you do not have that blumah song. You

0:41:09.880 --> 0:41:13.720
<v Speaker 1>know you're not the owner of that song anyway. All right, sweet,

0:41:13.800 --> 0:41:16.440
<v Speaker 1>let's take one more quick question. This one I thought

0:41:16.600 --> 0:41:20.320
<v Speaker 1>was interesting and let me see another anonymous listener that's mine,

0:41:20.440 --> 0:41:24.239
<v Speaker 1>no judgment. Interesting question though, So this question is she says,

0:41:24.280 --> 0:41:27.319
<v Speaker 1>I'm considering leaving a semi government job that I've had

0:41:27.360 --> 0:41:30.440
<v Speaker 1>for twelve years to go to a financial planning position

0:41:30.640 --> 0:41:33.319
<v Speaker 1>where the company is on a growth path. When they

0:41:33.360 --> 0:41:35.880
<v Speaker 1>asked me about my salary, range. I gave a range

0:41:36.040 --> 0:41:38.040
<v Speaker 1>just a few thousand more than what I make now.

0:41:38.520 --> 0:41:41.120
<v Speaker 1>I responded quickly because I wanted to show my excitement

0:41:41.120 --> 0:41:44.480
<v Speaker 1>and interest. I did my thorough job salary search after

0:41:44.560 --> 0:41:47.520
<v Speaker 1>I submitted my range and realized I was short changing

0:41:47.560 --> 0:41:52.680
<v Speaker 1>myself by five thousand dollars at least out they're still interviewing,

0:41:53.080 --> 0:41:56.440
<v Speaker 1>as I've gone through two of three rounds. When they

0:41:56.440 --> 0:41:58.200
<v Speaker 1>offered me the job. I love that she's like, when

0:41:58.280 --> 0:42:00.400
<v Speaker 1>not if? When they offer me the job and they

0:42:00.440 --> 0:42:03.440
<v Speaker 1>stay within my range, should I counteroffer based on my

0:42:03.560 --> 0:42:06.160
<v Speaker 1>research even if it's outside the salary range that I

0:42:06.200 --> 0:42:08.799
<v Speaker 1>stated Originally? I know I want this job and I

0:42:08.800 --> 0:42:11.080
<v Speaker 1>don't want to ruin my chances for getting my foot

0:42:11.120 --> 0:42:11.680
<v Speaker 1>in the door.

0:42:13.239 --> 0:42:14.840
<v Speaker 2>I had a yes, but I don't know. I feel like,

0:42:14.840 --> 0:42:17.600
<v Speaker 2>you know, you you are our career, our career go

0:42:17.680 --> 0:42:18.600
<v Speaker 2>to what do you what.

0:42:18.600 --> 0:42:20.600
<v Speaker 1>Do you have something? I mean, what if you know?

0:42:20.680 --> 0:42:23.400
<v Speaker 1>What if you like, you know a speaker or a

0:42:23.440 --> 0:42:25.480
<v Speaker 1>speaker I don't know. Speaking. Engagement was like hey can

0:42:25.560 --> 0:42:27.279
<v Speaker 1>you do this? And you're just like so excited, You're like, yeah,

0:42:27.280 --> 0:42:29.719
<v Speaker 1>I'll do it for twenty K. And then you find

0:42:29.760 --> 0:42:32.399
<v Speaker 1>out that, huh, I've done that you have you find

0:42:32.400 --> 0:42:34.200
<v Speaker 1>out you could have gotten more? What would you do

0:42:34.239 --> 0:42:34.719
<v Speaker 1>in that case?

0:42:34.880 --> 0:42:36.600
<v Speaker 2>Girl? I ate the loss, but I don't know if

0:42:36.600 --> 0:42:38.799
<v Speaker 2>I should have, you know what I mean.

0:42:39.520 --> 0:42:42.920
<v Speaker 1>Yeah, my friend actually asked me this not that long ago.

0:42:43.080 --> 0:42:45.520
<v Speaker 1>He was in the middle of interviewing for jobs in

0:42:45.600 --> 0:42:48.320
<v Speaker 1>media and he did the same thing, like someone reached

0:42:48.320 --> 0:42:51.280
<v Speaker 1>out and and listen. I've it on the hiring side,

0:42:51.360 --> 0:42:54.959
<v Speaker 1>and often it makes it makes the job a little

0:42:54.960 --> 0:42:57.799
<v Speaker 1>bit easier to see if you can afford someone, if

0:42:57.840 --> 0:42:59.560
<v Speaker 1>you kind of get a sense of what they're thinking,

0:43:00.160 --> 0:43:02.080
<v Speaker 1>and if they tell you a range that's like really

0:43:02.080 --> 0:43:04.279
<v Speaker 1>crazy high, then you can say, okay, maybe you're out

0:43:04.280 --> 0:43:08.080
<v Speaker 1>of our price range. So yeah, recruiters will sometimes ask

0:43:08.120 --> 0:43:10.560
<v Speaker 1>that question, or even hiring managers just to kind of

0:43:10.600 --> 0:43:12.239
<v Speaker 1>like weed out people who may be way out of

0:43:12.280 --> 0:43:15.560
<v Speaker 1>their price range. But you don't have to answer. It's

0:43:15.600 --> 0:43:18.479
<v Speaker 1>okay not to answer, but listen, the damage has been done.

0:43:18.520 --> 0:43:20.600
<v Speaker 1>She's answered, and so did my friend who asked me

0:43:20.600 --> 0:43:24.040
<v Speaker 1>the same question. And my advice to them was absolutely

0:43:24.120 --> 0:43:27.880
<v Speaker 1>go back and ask for more. Listen, there's no like,

0:43:28.040 --> 0:43:33.040
<v Speaker 1>it's not over till it's over. And honestly, you shouldn't.

0:43:33.080 --> 0:43:35.920
<v Speaker 1>I mean, just go confidently, and especially because you did

0:43:35.920 --> 0:43:39.480
<v Speaker 1>it early, go confidently into that job offer and say,

0:43:39.560 --> 0:43:42.600
<v Speaker 1>you know, when I was first talking to you, I'm

0:43:42.680 --> 0:43:48.040
<v Speaker 1>new to this profession. I'm leaving a job with different responsibilities.

0:43:48.200 --> 0:43:50.480
<v Speaker 1>I've heard what you guys have had to say about

0:43:50.520 --> 0:43:53.080
<v Speaker 1>this position, and I actually think that a more reasonable

0:43:53.160 --> 0:43:55.759
<v Speaker 1>range would be X, Y Z and absolutely, and I

0:43:55.760 --> 0:43:58.560
<v Speaker 1>would say, you know, even if you get the offer back,

0:43:59.080 --> 0:44:02.719
<v Speaker 1>still just say hey, I would like a high. I

0:44:02.760 --> 0:44:04.520
<v Speaker 1>feel like it's just good practice when you get your

0:44:04.560 --> 0:44:08.239
<v Speaker 1>first offer to counteroffer and have a reason for doing it,

0:44:08.280 --> 0:44:11.120
<v Speaker 1>but to counteroffer, and all the worst they can do

0:44:11.200 --> 0:44:15.080
<v Speaker 1>is say no, you're not. I personally feel confident that

0:44:15.760 --> 0:44:18.680
<v Speaker 1>you most likely will not lose the job at that point,

0:44:18.800 --> 0:44:21.440
<v Speaker 1>Like they have invested so much time into hiring you.

0:44:22.000 --> 0:44:24.279
<v Speaker 1>Interviews take a long time, hiring is a pain in

0:44:24.320 --> 0:44:26.279
<v Speaker 1>the you know what, and they don't want to go

0:44:26.320 --> 0:44:29.600
<v Speaker 1>back to ground, to the starting point, you know, so

0:44:30.440 --> 0:44:32.960
<v Speaker 1>when you're at the negotiating stage, you know, when you've

0:44:33.000 --> 0:44:35.080
<v Speaker 1>got your offer, you can absolutely go back. And I

0:44:35.120 --> 0:44:38.600
<v Speaker 1>would say, do it confidently. It's like an email to

0:44:38.760 --> 0:44:41.640
<v Speaker 1>HR at the most, you know, and if they say no,

0:44:41.719 --> 0:44:44.200
<v Speaker 1>they say no. But I highly doubt you would risk

0:44:44.280 --> 0:44:46.239
<v Speaker 1>not getting the job just because of that and.

0:44:46.239 --> 0:44:47.680
<v Speaker 2>Because here's the thing, you don't want to be like

0:44:47.760 --> 0:44:50.640
<v Speaker 2>me and that Like I had this gut feeling because

0:44:50.640 --> 0:44:52.840
<v Speaker 2>it was a series of speaking engaged, so was it

0:44:52.880 --> 0:44:55.880
<v Speaker 2>was compounded, and it was like every time it was

0:44:55.920 --> 0:44:59.440
<v Speaker 2>a five part like series. Every time I spoke, I

0:44:59.480 --> 0:45:05.480
<v Speaker 2>was you know, you know want that in your life.

0:45:06.840 --> 0:45:09.359
<v Speaker 1>I just picture you to like, right, I mean I

0:45:09.360 --> 0:45:11.319
<v Speaker 1>guess we can talk about right, like what.

0:45:11.280 --> 0:45:15.520
<v Speaker 2>Do you mean your credit score? Girls pick up? Yeah,

0:45:15.560 --> 0:45:17.000
<v Speaker 2>so you don't want that kind of energy because you know,

0:45:17.040 --> 0:45:18.520
<v Speaker 2>you don't want to be working there with like, you know,

0:45:18.560 --> 0:45:24.200
<v Speaker 2>a little bitterness. So like one of the things I'm

0:45:24.200 --> 0:45:28.680
<v Speaker 2>working on is not choosing safety when safety is guaranteed,

0:45:29.719 --> 0:45:30.400
<v Speaker 2>meaning that.

0:45:30.320 --> 0:45:31.640
<v Speaker 1>Like easier said than done.

0:45:31.719 --> 0:45:33.440
<v Speaker 2>It is very but that's why I'm working on a girl,

0:45:33.440 --> 0:45:35.799
<v Speaker 2>We're working on off working on it right, meaning that

0:45:35.920 --> 0:45:38.120
<v Speaker 2>like let's just say it's almost for example, like how

0:45:38.120 --> 0:45:40.040
<v Speaker 2>you still polic for college and they're like, Okay, here's

0:45:40.040 --> 0:45:42.799
<v Speaker 2>your schools. Your safety school is Rutgers, Your your your

0:45:42.840 --> 0:45:47.239
<v Speaker 2>dream schools Emory, and your reach is Princeton. Why just

0:45:47.320 --> 0:45:49.680
<v Speaker 2>apply to Rutgers and go there. If I know one

0:45:49.719 --> 0:45:52.560
<v Speaker 2>hundred percent I can go to Rutgers. Why not try

0:45:52.600 --> 0:45:54.080
<v Speaker 2>for Princeton. Oh I didn't get Print, so then I

0:45:54.200 --> 0:45:55.879
<v Speaker 2>go for Emory Or I didn't get Emory. Okay, well,

0:45:55.920 --> 0:46:00.040
<v Speaker 2>I I know Rutgers is definitely gonna say yes. So

0:46:00.040 --> 0:46:03.360
<v Speaker 2>that's really the key. Like if you it, you know

0:46:03.480 --> 0:46:06.719
<v Speaker 2>that you can always get that salary, you know, why

0:46:06.760 --> 0:46:10.359
<v Speaker 2>not go for the gusto and see if you can

0:46:10.440 --> 0:46:12.239
<v Speaker 2>reach for more? Because Tomandy's point, they put a lot

0:46:12.239 --> 0:46:13.759
<v Speaker 2>of time and energy. I'm just telling you right now,

0:46:13.760 --> 0:46:16.960
<v Speaker 2>we just hired a new person for our finance team,

0:46:17.000 --> 0:46:19.239
<v Speaker 2>a controller to really help with like our numbers and

0:46:19.880 --> 0:46:23.080
<v Speaker 2>financial component at the Literature Academy. Girl, that was a

0:46:23.120 --> 0:46:25.839
<v Speaker 2>six month process to find her. You think I'm trying

0:46:25.880 --> 0:46:28.120
<v Speaker 2>to do that again, right you?

0:46:28.320 --> 0:46:29.439
<v Speaker 1>Sorry? I got very loud.

0:46:29.600 --> 0:46:31.880
<v Speaker 2>No, it's true, but I don't you know what I mean. Like,

0:46:31.920 --> 0:46:34.000
<v Speaker 2>so if someone want to come to me and say, hey, Tavin, look,

0:46:34.000 --> 0:46:36.160
<v Speaker 2>I'm just gonna make up a number, you know, I

0:46:36.280 --> 0:46:38.240
<v Speaker 2>you know, I know, I said I wanted ten dollars,

0:46:38.239 --> 0:46:39.879
<v Speaker 2>but I was really like, oh, I should have really

0:46:39.880 --> 0:46:42.640
<v Speaker 2>said twelve. I'd be like, honestly, let me look at

0:46:42.640 --> 0:46:44.600
<v Speaker 2>the budget, because since what we're not going to do

0:46:44.800 --> 0:46:47.799
<v Speaker 2>is like, if it's within the budget, I'm not risk

0:46:48.080 --> 0:46:51.200
<v Speaker 2>letting her go because I don't have six months to

0:46:51.239 --> 0:46:55.160
<v Speaker 2>look for a new finance person. I just it was

0:46:55.200 --> 0:46:58.480
<v Speaker 2>so hard to find you, you know. So Mandy is right,

0:46:58.520 --> 0:47:01.840
<v Speaker 2>and me, as someone who employs people, I absolutely agree.

0:47:01.840 --> 0:47:05.000
<v Speaker 2>If I think you're amazing and the budget can can

0:47:05.080 --> 0:47:08.799
<v Speaker 2>hold it, then I'm willing to negotiate to make it

0:47:08.840 --> 0:47:11.640
<v Speaker 2>work because I'm like, uh, it's a lot of time

0:47:11.680 --> 0:47:15.239
<v Speaker 2>and efforts, is no you we go together? Now, you

0:47:15.280 --> 0:47:16.080
<v Speaker 2>ain't going nowhere.

0:47:17.080 --> 0:47:20.000
<v Speaker 1>Yeah, I've used this and I've meant it when I've

0:47:20.080 --> 0:47:22.160
<v Speaker 1>used it in the past when I've been asking for

0:47:22.200 --> 0:47:24.040
<v Speaker 1>more and I'm a sweat and under the arm puts

0:47:24.080 --> 0:47:26.880
<v Speaker 1>because it's like a lot more than I had owned

0:47:27.120 --> 0:47:29.880
<v Speaker 1>or earned it my previous job. But I have said

0:47:30.760 --> 0:47:32.879
<v Speaker 1>the truth, which is that, you know, I really see

0:47:32.880 --> 0:47:34.640
<v Speaker 1>this as a long term job for me. It's not

0:47:34.719 --> 0:47:36.600
<v Speaker 1>just the next the place I'm going to be at

0:47:36.640 --> 0:47:38.520
<v Speaker 1>for the next couple of years. It's a place where

0:47:38.560 --> 0:47:40.480
<v Speaker 1>I want to be for several years. And I also

0:47:40.640 --> 0:47:43.400
<v Speaker 1>really want to be excited. I want compensation to reflect

0:47:43.440 --> 0:47:45.319
<v Speaker 1>how excited I am. And how perfect I am for

0:47:45.360 --> 0:47:47.520
<v Speaker 1>this job. So can we get those things closer together?

0:47:47.920 --> 0:47:51.360
<v Speaker 1>And then you have a number in mind. But yeah,

0:47:51.680 --> 0:47:54.600
<v Speaker 1>I definitely think that you should. Hopefully you didn't send

0:47:54.600 --> 0:47:56.879
<v Speaker 1>this question that long ago. Hopefully we got you in time. Yes,

0:47:57.400 --> 0:48:00.560
<v Speaker 1>let us definitely go back, let us know, let us know.

0:48:01.680 --> 0:48:04.560
<v Speaker 1>All right, Well, thank y'all again for your questions. Let

0:48:04.560 --> 0:48:06.759
<v Speaker 1>me get the phone number again, you know, if y'all

0:48:06.760 --> 0:48:09.640
<v Speaker 1>want to drop us a little voicemail six.

0:48:09.560 --> 0:48:12.799
<v Speaker 2>Seven five to you. No, don't go he I know

0:48:13.280 --> 0:48:13.879
<v Speaker 2>it's not that.

0:48:16.239 --> 0:48:18.520
<v Speaker 1>I know we need like we need the Seleno and

0:48:18.600 --> 0:48:19.280
<v Speaker 1>Barnes jingle.

0:48:19.600 --> 0:48:23.920
<v Speaker 2>We do you know industry.

0:48:23.280 --> 0:48:27.600
<v Speaker 1>Again confusing, that's some good marketing.

0:48:27.640 --> 0:48:29.520
<v Speaker 2>I'm such a latchkey kid, because that's like the stuff

0:48:29.520 --> 0:48:31.239
<v Speaker 2>that you like. You know, just watch a TV where

0:48:31.280 --> 0:48:32.319
<v Speaker 2>you give home. That was my.

0:48:32.239 --> 0:48:36.919
<v Speaker 1>Babysitter and Georgia it was mont Licking Associates. You don't

0:48:37.000 --> 0:48:39.879
<v Speaker 1>have to settle for love, Okay, our number though, because

0:48:39.880 --> 0:48:41.200
<v Speaker 1>that's what you're here to talk to you, right, You

0:48:41.280 --> 0:48:44.000
<v Speaker 1>can leave us a voicemail on our hotline eight four

0:48:44.080 --> 0:48:48.040
<v Speaker 1>four eight five eight eight zero eight zero eight four

0:48:48.200 --> 0:48:50.879
<v Speaker 1>four eight five eight eight zero eight zero. You can

0:48:50.960 --> 0:48:53.520
<v Speaker 1>leave us a voicemail. You can text us and you

0:48:53.600 --> 0:48:56.200
<v Speaker 1>may actually hear your voice. That's the cool thing about it.

0:48:56.280 --> 0:48:59.319
<v Speaker 1>On the show, asking us your questions. Now, don't read

0:48:59.400 --> 0:49:02.480
<v Speaker 1>us a long, long statement. Don't tell us what.

0:49:02.640 --> 0:49:04.000
<v Speaker 2>Don't tell your name if you don't want us to

0:49:04.000 --> 0:49:05.560
<v Speaker 2>say it. Don't say my name is Anna, but but

0:49:05.560 --> 0:49:07.640
<v Speaker 2>don't say my name. Just don't say just.

0:49:07.600 --> 0:49:10.240
<v Speaker 1>Don't say it. Make up a name, my name is Darley,

0:49:10.239 --> 0:49:12.440
<v Speaker 1>and use a voice descrieser whatever you want to do.

0:49:13.080 --> 0:49:15.279
<v Speaker 1>But yeah, I'm excited to see what comes through. Thanks

0:49:15.320 --> 0:49:19.360
<v Speaker 1>y'all for your questions, and let's get onto the last

0:49:19.440 --> 0:49:20.600
<v Speaker 1>and final segment.

0:49:21.960 --> 0:49:30.880
<v Speaker 2>It's it's time to boostop break or boo? Stop break?

0:49:31.600 --> 0:49:36.000
<v Speaker 2>Are you gonna boost? Are you gonna break? Are you

0:49:36.120 --> 0:49:41.000
<v Speaker 2>gonna cheer? Or say? I can't take anymore? I mean,

0:49:41.040 --> 0:49:42.960
<v Speaker 2>you know, I felt like I had it, but then

0:49:42.960 --> 0:49:44.680
<v Speaker 2>I lost it, but then I you know, you know

0:49:44.719 --> 0:49:45.040
<v Speaker 2>what I mean.

0:49:45.120 --> 0:49:47.600
<v Speaker 1>I'm gonna scoop it up and hand it back to you.

0:49:48.160 --> 0:49:50.000
<v Speaker 2>How you gonna boost? Are you I'm gonna pressally do

0:49:50.000 --> 0:49:51.600
<v Speaker 2>a boosty breaky? What are you gonna do?

0:49:52.000 --> 0:49:55.799
<v Speaker 1>I'm gonna boost? Yes, I'm definitely gonna boost. And one

0:49:55.800 --> 0:49:58.560
<v Speaker 1>more time, just to our our Asian American brothers and

0:49:58.600 --> 0:50:00.960
<v Speaker 1>sisters staying with you, and and my heart goes out

0:50:01.000 --> 0:50:04.160
<v Speaker 1>to you and just so much love. But I wanted

0:50:04.200 --> 0:50:07.480
<v Speaker 1>to do a boost because I read that Wyoming has

0:50:07.560 --> 0:50:10.480
<v Speaker 1>its first black sheriff in one hundred and thirty years.

0:50:10.800 --> 0:50:13.279
<v Speaker 1>What one hundred and thirty years? So this man's name

0:50:13.360 --> 0:50:16.400
<v Speaker 1>Aaron Apple. I almost at Apple sauce. Aaron Apple hoos

0:50:17.160 --> 0:50:19.640
<v Speaker 1>Apple hoss, bless you. In the New York Times, they

0:50:19.680 --> 0:50:21.920
<v Speaker 1>had a story about him. It's a really, really a

0:50:22.040 --> 0:50:25.560
<v Speaker 1>cool little profile. But first black man, he's got his dreads,

0:50:25.600 --> 0:50:29.520
<v Speaker 1>he looks amazing. First black sheriff in Wyoming. That cannot

0:50:29.520 --> 0:50:33.160
<v Speaker 1>be an easy job. So shout out to Aaron and

0:50:33.280 --> 0:50:36.759
<v Speaker 1>congrats on making news first but not the last.

0:50:36.840 --> 0:50:40.360
<v Speaker 2>Right, Yes, no, that's awesome. So I think i'll do

0:50:40.400 --> 0:50:42.319
<v Speaker 2>my my break. My break is pretty light, but and

0:50:42.320 --> 0:50:43.920
<v Speaker 2>then i'll boost because it's always nice to end on

0:50:43.960 --> 0:50:47.759
<v Speaker 2>a good note. So this break goes out to which

0:50:47.800 --> 0:50:51.760
<v Speaker 2>I'm sure the very lovely couple who was getting married recently,

0:50:52.280 --> 0:50:56.400
<v Speaker 2>and you were at Michaels and Michaels was closing. It

0:50:56.480 --> 0:50:59.040
<v Speaker 2>was six fifty and Michael's closest at seven. You in

0:50:59.080 --> 0:51:00.640
<v Speaker 2>front of me in the frame line, and you were

0:51:00.640 --> 0:51:03.680
<v Speaker 2>framing some cute little thing for your wedding, which no problem.

0:51:04.000 --> 0:51:05.480
<v Speaker 2>The lady goes in the back. She say's gonna take

0:51:05.480 --> 0:51:08.600
<v Speaker 2>a little minute. Okay. I waited for you know, I

0:51:08.600 --> 0:51:10.480
<v Speaker 2>don't know, ten minutes for her to put your thing

0:51:10.520 --> 0:51:12.520
<v Speaker 2>in the in the in the frame or whatever. I

0:51:12.560 --> 0:51:15.160
<v Speaker 2>waited patiently. Girl, had my headphones on, I was listening

0:51:15.160 --> 0:51:18.880
<v Speaker 2>to podcasts. I was good until you said, can I

0:51:18.960 --> 0:51:22.640
<v Speaker 2>check out here? And I was like, meanwhile, Michael's is

0:51:22.640 --> 0:51:24.560
<v Speaker 2>basically empty, and so you could go to the front

0:51:24.600 --> 0:51:25.440
<v Speaker 2>to check out framing.

0:51:25.440 --> 0:51:25.640
<v Speaker 3>You know.

0:51:25.680 --> 0:51:27.520
<v Speaker 2>It's like it's like getting checked out at like the

0:51:28.040 --> 0:51:30.640
<v Speaker 2>Farmer Center, at like you know, at like Walgreens, you know,

0:51:30.719 --> 0:51:33.480
<v Speaker 2>like resk. Go to the front because I'm waiting to

0:51:33.520 --> 0:51:37.200
<v Speaker 2>get my stuff framed. So because I printed out like

0:51:37.280 --> 0:51:39.200
<v Speaker 2>a poster of the book. So that way when I

0:51:39.280 --> 0:51:41.960
<v Speaker 2>do like press interviews whatever, like video, you know, you

0:51:41.960 --> 0:51:44.440
<v Speaker 2>can see the book behind me. Got like I want

0:51:45.120 --> 0:51:46.920
<v Speaker 2>and so like I saw like love you do, I'm like, ook,

0:51:46.960 --> 0:51:49.640
<v Speaker 2>I like it stealing that idea. And I saw Nicole

0:51:49.680 --> 0:51:51.800
<v Speaker 2>Walters do it for her new show She's the Boss,

0:51:52.080 --> 0:51:53.319
<v Speaker 2>and I was like, oh, I'm going to do that.

0:51:53.680 --> 0:51:55.760
<v Speaker 2>So I was just like, oh, okay, so I'm waiting.

0:51:55.800 --> 0:51:58.040
<v Speaker 2>I'm waiting, I'm waiting, and they were like, can you

0:51:58.120 --> 0:52:00.560
<v Speaker 2>check out here? So I was like internally, oh boy,

0:52:00.600 --> 0:52:03.160
<v Speaker 2>but you know what, honestly, he's still patient. Then it

0:52:03.239 --> 0:52:06.200
<v Speaker 2>was like, oh wait, I think we want a different

0:52:06.200 --> 0:52:08.240
<v Speaker 2>frame because they were buying all these frames for their wedding.

0:52:08.719 --> 0:52:12.239
<v Speaker 2>So the fiance the woman runs to the aisle to

0:52:12.239 --> 0:52:14.719
<v Speaker 2>get something else. Oh wait, actually I forgot we have

0:52:14.719 --> 0:52:16.799
<v Speaker 2>a twenty percent of coupak. Can you use this? Wait?

0:52:16.840 --> 0:52:18.320
<v Speaker 2>Can you avoid that? Mandy?

0:52:18.400 --> 0:52:21.200
<v Speaker 1>I was like, oh my, oh my god, I'm enraged

0:52:21.200 --> 0:52:23.000
<v Speaker 1>for you. I'm behind you in the line wanting to

0:52:23.040 --> 0:52:23.920
<v Speaker 1>kick someone.

0:52:23.760 --> 0:52:26.120
<v Speaker 2>Girl, And I try not to be the person that

0:52:26.239 --> 0:52:28.799
<v Speaker 2>like visibly huffs and puffs in line, because you know,

0:52:28.800 --> 0:52:29.920
<v Speaker 2>I'm like, god, I want to make picking of any

0:52:29.920 --> 0:52:32.600
<v Speaker 2>phone cums by Literally it just escaped. I said, you

0:52:32.800 --> 0:52:36.160
<v Speaker 2>gotta be kidding me. And then I was like when

0:52:36.320 --> 0:52:38.319
<v Speaker 2>was that out loud? Because they turned and looked at me,

0:52:38.400 --> 0:52:40.560
<v Speaker 2>and I was like, I mean, is it possible that

0:52:40.600 --> 0:52:42.360
<v Speaker 2>you guys can go to the front place, because honestly,

0:52:42.560 --> 0:52:45.280
<v Speaker 2>the store is closed and I have yet not submitted

0:52:45.320 --> 0:52:45.800
<v Speaker 2>my poster.

0:52:46.120 --> 0:52:48.600
<v Speaker 1>Meanwhile, the chick behind the counter or the man, they

0:52:48.640 --> 0:52:50.680
<v Speaker 1>probably really weren't feeling the same way they were.

0:52:50.800 --> 0:52:52.400
<v Speaker 2>And it was an older lady, so she didn't know

0:52:52.400 --> 0:52:53.600
<v Speaker 2>how to do any of the things she was trying

0:52:53.600 --> 0:52:56.160
<v Speaker 2>to avoid. They were doing too much. Sarah was seventy

0:52:56.200 --> 0:52:58.000
<v Speaker 2>and I was like, I could see Sarah. It's not

0:52:58.040 --> 0:53:00.640
<v Speaker 2>a quipped she's not a p So I was like,

0:53:00.640 --> 0:53:03.240
<v Speaker 2>oh my god. I was like and then he was like, okay,

0:53:03.239 --> 0:53:05.800
<v Speaker 2>you've alid to give it. I was like, wait, I

0:53:06.320 --> 0:53:08.920
<v Speaker 2>you see me here? Self awareness yet, that's really what

0:53:09.000 --> 0:53:10.920
<v Speaker 2>it was, I thought to myself. It was just like

0:53:11.080 --> 0:53:13.920
<v Speaker 2>it was really honestly it was. It was rude, like

0:53:13.960 --> 0:53:15.279
<v Speaker 2>I could see if you didn't see me behind you.

0:53:15.320 --> 0:53:16.880
<v Speaker 2>But she turned around and was like, hey, hey, you

0:53:16.880 --> 0:53:18.520
<v Speaker 2>know when he came up to you know, this is

0:53:18.520 --> 0:53:20.480
<v Speaker 2>gonna take me ten minutes of that. Okay, so that's fine.

0:53:20.560 --> 0:53:22.799
<v Speaker 2>So you see me there. You know, the stor's empty.

0:53:22.880 --> 0:53:24.360
<v Speaker 2>She couldn't. He could have just went to the front.

0:53:24.480 --> 0:53:26.640
<v Speaker 2>You don't need to be checked out here, especially if

0:53:26.640 --> 0:53:29.200
<v Speaker 2>you have all these special orders, you know. And then

0:53:29.280 --> 0:53:32.200
<v Speaker 2>I guess that, like you know, his fiance realized, like wow,

0:53:32.239 --> 0:53:34.160
<v Speaker 2>this is pretty rude. And she was like, oh my goodness,

0:53:34.160 --> 0:53:35.600
<v Speaker 2>I'm so sorry. And I was like, it's fine, but

0:53:35.640 --> 0:53:37.120
<v Speaker 2>it wasn't fine. But I said that because you know,

0:53:37.200 --> 0:53:40.040
<v Speaker 2>what can you say? And so like, you know, plus,

0:53:40.040 --> 0:53:41.239
<v Speaker 2>you know, they were a cute little couple. I could

0:53:41.239 --> 0:53:42.880
<v Speaker 2>tell they were excited about their wedding and getting their

0:53:42.880 --> 0:53:47.040
<v Speaker 2>decorations together or whatever. But I was like, you know,

0:53:47.440 --> 0:53:48.960
<v Speaker 2>she was trying to pull up her app for groupon

0:53:49.040 --> 0:53:50.600
<v Speaker 2>so she could say for twenty no, not that. I

0:53:50.640 --> 0:53:53.160
<v Speaker 2>was like, oh my god, girl, la la la, So

0:53:53.200 --> 0:53:56.920
<v Speaker 2>that's why I will pay you twenty dollars to get

0:53:55.360 --> 0:54:00.920
<v Speaker 2>the right so and then, of course, you know, to

0:54:00.920 --> 0:54:03.640
<v Speaker 2>that insult and injury. I go to the front and

0:54:03.920 --> 0:54:05.759
<v Speaker 2>I didn't even know need to wait there, girl. She

0:54:05.880 --> 0:54:07.239
<v Speaker 2>was just like, girl, you could just buy that frame

0:54:07.280 --> 0:54:08.719
<v Speaker 2>and put your poster in there. I was like, what,

0:54:10.360 --> 0:54:12.719
<v Speaker 2>so twenty minutes later, I could have been in and

0:54:12.719 --> 0:54:13.279
<v Speaker 2>out in two minutes.

0:54:13.280 --> 0:54:15.480
<v Speaker 1>And you risk your life for that. Yes, you're out

0:54:15.480 --> 0:54:18.200
<v Speaker 1>there in COVID time, COVID okay, just.

0:54:18.120 --> 0:54:21.040
<v Speaker 2>Trying to get by post a frame. And she was like, well,

0:54:21.040 --> 0:54:22.560
<v Speaker 2>why would you pay you? You know, She's like, one, it's

0:54:22.600 --> 0:54:24.279
<v Speaker 2>going to take a week, and this framing is going

0:54:24.320 --> 0:54:26.319
<v Speaker 2>to take like ninety dollars. You know, you could just

0:54:26.360 --> 0:54:28.239
<v Speaker 2>put it. You could just buy a frame because it

0:54:28.400 --> 0:54:29.640
<v Speaker 2>like I got it from Staples, so it was like

0:54:29.640 --> 0:54:32.320
<v Speaker 2>a traditional size like twenty four by thirty six or whatever.

0:54:32.480 --> 0:54:34.120
<v Speaker 2>She's like, you just buy that frame for thirty bucks

0:54:34.200 --> 0:54:37.440
<v Speaker 2>right there. I was like, and she was like, but

0:54:37.520 --> 0:54:39.080
<v Speaker 2>she told me. She told me, like, you know, the

0:54:39.080 --> 0:54:40.799
<v Speaker 2>older lady told me, thank you so much. Because I

0:54:40.880 --> 0:54:42.759
<v Speaker 2>was like, really annoyed because she was like and I

0:54:42.800 --> 0:54:44.799
<v Speaker 2>was like, no, no problem. I mean, you know, I never,

0:54:44.840 --> 0:54:46.040
<v Speaker 2>like I said, I never want to be rude, but

0:54:46.080 --> 0:54:47.520
<v Speaker 2>I was like, are you kidding me?

0:54:48.239 --> 0:54:50.680
<v Speaker 1>Please don't stay later to retailer. These people get paid

0:54:50.719 --> 0:54:53.120
<v Speaker 1>minimum wait for your butt to get out of that store.

0:54:53.200 --> 0:54:54.960
<v Speaker 2>Yeah. And that's why I felt bad, honestly, because I

0:54:55.040 --> 0:54:56.560
<v Speaker 2>knew because it was by then, it was like seven ten.

0:54:56.640 --> 0:54:59.840
<v Speaker 2>I'm like, I know they're clothes, you know. So anyway,

0:55:00.080 --> 0:55:01.879
<v Speaker 2>that was my break. Don't do that again. People don't

0:55:01.920 --> 0:55:03.839
<v Speaker 2>do that again. No one's excited about your wedding but you.

0:55:05.440 --> 0:55:09.640
<v Speaker 2>And then my booze goes out to Supergirl. I don't

0:55:09.640 --> 0:55:11.160
<v Speaker 2>know if you well, I'm sure you remember, but remember

0:55:11.200 --> 0:55:13.280
<v Speaker 2>before I was having a really hard time with Supergirl.

0:55:13.560 --> 0:55:16.239
<v Speaker 1>She was going through a thing. Yes, the signing the

0:55:16.280 --> 0:55:17.480
<v Speaker 1>door comes to mind.

0:55:17.440 --> 0:55:22.719
<v Speaker 2>Girl, dude, if you need to enter for those of you.

0:55:22.760 --> 0:55:25.839
<v Speaker 2>I don't remember what episode it was, but Supergirl got

0:55:25.840 --> 0:55:28.680
<v Speaker 2>in big trouble for slamming her door and then her

0:55:28.680 --> 0:55:30.520
<v Speaker 2>father said, you know, don't you know obviously because she's

0:55:30.600 --> 0:55:33.400
<v Speaker 2>a teenager, don't you slam it? And all the huffing

0:55:33.440 --> 0:55:35.879
<v Speaker 2>and puffing. So then she put a note on her

0:55:35.880 --> 0:55:39.000
<v Speaker 2>door to telling me. Tracy was like, because you know,

0:55:39.040 --> 0:55:42.520
<v Speaker 2>my sister, Tracy's staying with me, and she was like, uh,

0:55:42.600 --> 0:55:44.719
<v Speaker 2>did you did you see the note on Alissa's door?

0:55:44.719 --> 0:55:46.400
<v Speaker 2>I was like, no, you know, sometimes she'll just have

0:55:46.719 --> 0:55:49.120
<v Speaker 2>a note on her door that just says Alyssa's room.

0:55:49.320 --> 0:55:52.279
<v Speaker 2>And she was like, no, I think you gotta want

0:55:52.320 --> 0:55:55.879
<v Speaker 2>to read it. And it was just like basically, it's

0:55:55.920 --> 0:55:58.480
<v Speaker 2>Marticall has said, Tiffany, do not come into my room

0:55:58.560 --> 0:56:02.920
<v Speaker 2>or touch any of my things. If you need something

0:56:02.960 --> 0:56:05.880
<v Speaker 2>from my room, because she pays bills right then, please

0:56:05.920 --> 0:56:10.680
<v Speaker 2>call me at my mother's house. So, needless to say, well,

0:56:10.719 --> 0:56:13.120
<v Speaker 2>she came home the doors off the hinges. She was like, wait,

0:56:13.160 --> 0:56:15.799
<v Speaker 2>what it was for a full week, so she learned

0:56:15.800 --> 0:56:16.480
<v Speaker 2>her lesson.

0:56:16.239 --> 0:56:17.960
<v Speaker 1>As a parent. Move for me. Yes, that's the one

0:56:17.960 --> 0:56:20.239
<v Speaker 1>where I'm like, I can't wait. Yes, let me.

0:56:20.320 --> 0:56:23.000
<v Speaker 2>I'm gonna be like he remember, I felt so bad,

0:56:23.040 --> 0:56:24.680
<v Speaker 2>but I called her. I was like, you know, that

0:56:24.880 --> 0:56:27.120
<v Speaker 2>sign is so rude. As a matter of fact, I'm

0:56:27.160 --> 0:56:28.640
<v Speaker 2>in your room right now, can you hear me? Step

0:56:28.640 --> 0:56:32.000
<v Speaker 2>step step step? So so I was like, don't do that.

0:56:33.120 --> 0:56:35.719
<v Speaker 2>You don't pay bills here. Her mother was to say,

0:56:35.760 --> 0:56:38.200
<v Speaker 2>look thankfully, her mother's awesome. She was like, girl, you

0:56:38.239 --> 0:56:39.799
<v Speaker 2>walk cause I sent her a picture. She was like, no,

0:56:39.880 --> 0:56:42.400
<v Speaker 2>she did. I said, yes she did. She said I saw.

0:56:42.440 --> 0:56:44.839
<v Speaker 2>I heard her mother also chastising her. But either way,

0:56:44.880 --> 0:56:47.799
<v Speaker 2>since then, honestly, things have been awesome the past like

0:56:47.800 --> 0:56:50.040
<v Speaker 2>I don't know, six to eight months, and like our

0:56:50.080 --> 0:56:53.359
<v Speaker 2>relationship has really grown. She's just turned into I mean,

0:56:53.480 --> 0:56:55.279
<v Speaker 2>she's still only fourteen, so I'm sure we have some

0:56:55.320 --> 0:56:57.960
<v Speaker 2>hell ahead, but right now things are just really great.

0:56:58.880 --> 0:57:00.640
<v Speaker 2>She's just been such a help. She does like little

0:57:00.640 --> 0:57:03.080
<v Speaker 2>stuff for me, for the budgetista and and and for

0:57:03.280 --> 0:57:07.759
<v Speaker 2>my sister Tracy's business, her PR business. But I want

0:57:07.760 --> 0:57:09.120
<v Speaker 2>to be a I want to be supergirl. When I

0:57:09.160 --> 0:57:12.480
<v Speaker 2>grow up, because the way she has her life planned out,

0:57:12.560 --> 0:57:16.280
<v Speaker 2>I'm like girl the balance, so I will. So Supergirl

0:57:16.320 --> 0:57:17.840
<v Speaker 2>goes to school during the day. First of all, she

0:57:17.840 --> 0:57:20.360
<v Speaker 2>gets straight A. It's always since like I've been here,

0:57:20.760 --> 0:57:23.320
<v Speaker 2>so always the occasional be but straight A. So even

0:57:23.360 --> 0:57:25.080
<v Speaker 2>though this is her first year in high school, still

0:57:25.120 --> 0:57:27.480
<v Speaker 2>doing really well. So she does her school work and

0:57:27.520 --> 0:57:30.520
<v Speaker 2>then she works with Tracy, like you know, she's in

0:57:30.640 --> 0:57:33.840
<v Speaker 2>slack like a grown person, like, hey, here are my responsibilities.

0:57:34.080 --> 0:57:36.200
<v Speaker 2>And then I had her do some stuff like there's

0:57:36.240 --> 0:57:37.640
<v Speaker 2>some books that I meant. Oh, Mandy, I've got to

0:57:37.680 --> 0:57:39.600
<v Speaker 2>send you a book. You gotta text me your addresses.

0:57:40.040 --> 0:57:42.560
<v Speaker 1>Oh you mean I paid? I mean I'm always I

0:57:42.600 --> 0:57:44.320
<v Speaker 1>was gonna pay. I bought one.

0:57:44.360 --> 0:57:47.920
<v Speaker 2>Good you can give away, Yes, give it this one away.

0:57:48.160 --> 0:57:50.360
<v Speaker 2>So so I have to like pack some of them up,

0:57:50.400 --> 0:57:53.440
<v Speaker 2>like the the what's the name? Like Penguin sent me

0:57:53.480 --> 0:57:54.959
<v Speaker 2>like a bunch of my books. Oh I didn't plug

0:57:55.000 --> 0:57:57.320
<v Speaker 2>my book today. You can get Get you with money

0:57:57.600 --> 0:58:00.520
<v Speaker 2>tend Simple Steps to becoming financially whole at Yeah Good

0:58:00.520 --> 0:58:01.440
<v Speaker 2>with Money dot com.

0:58:01.640 --> 0:58:04.160
<v Speaker 1>You let me crying when you were unboxing that box

0:58:04.160 --> 0:58:05.520
<v Speaker 1>at books for read No.

0:58:05.720 --> 0:58:08.720
<v Speaker 2>I wasn't. I was not intending to cry. So she's

0:58:08.760 --> 0:58:10.720
<v Speaker 2>been helping me with all that kind of stuff. And

0:58:10.760 --> 0:58:12.760
<v Speaker 2>so one day Tracy was telling me like she's like, girl,

0:58:12.760 --> 0:58:14.200
<v Speaker 2>I want to be a Lissa, because she was talking

0:58:14.200 --> 0:58:16.360
<v Speaker 2>to herself kind of, She's like, Okay, I finished my

0:58:16.400 --> 0:58:18.800
<v Speaker 2>school work, and you know what, I think I'm going

0:58:18.840 --> 0:58:22.240
<v Speaker 2>to do the pop the backss fertifty for about an hour.

0:58:22.400 --> 0:58:24.000
<v Speaker 2>I'm gonna do a little bit of Tracy work and

0:58:24.040 --> 0:58:26.120
<v Speaker 2>then I'm gonna work on my own hobbies because she

0:58:26.120 --> 0:58:28.960
<v Speaker 2>has a YouTube channel now and like sells the lip

0:58:29.000 --> 0:58:31.160
<v Speaker 2>gloss on the side. Who knows. And then she'said, oh,

0:58:31.160 --> 0:58:33.920
<v Speaker 2>then daddy comes home at five, so we're gonna watch movies.

0:58:34.040 --> 0:58:35.320
<v Speaker 2>And then I think I can make it. I'm actually

0:58:35.320 --> 0:58:39.920
<v Speaker 2>gonna turn in early. I'm like, so she has planned

0:58:40.640 --> 0:58:45.600
<v Speaker 2>time for herself, rest, family time, work, and school. I

0:58:45.600 --> 0:58:48.760
<v Speaker 2>don't even like you need to teach a class. I

0:58:48.800 --> 0:58:51.560
<v Speaker 2>was like, she is the most I wouldn't even say

0:58:51.560 --> 0:58:54.320
<v Speaker 2>well adjusted fourteen year old, well adjusted forty year old.

0:58:54.400 --> 0:58:57.400
<v Speaker 2>That's a forty year old woman right there, because she's

0:58:57.400 --> 0:58:58.439
<v Speaker 2>a lot of adults all day.

0:58:58.720 --> 0:59:01.520
<v Speaker 1>I mean, see you, I'm sure you've had an influence

0:59:01.560 --> 0:59:01.880
<v Speaker 1>on her.

0:59:02.440 --> 0:59:04.400
<v Speaker 2>Honestly, I'm just really proud of her. She has just

0:59:04.440 --> 0:59:07.680
<v Speaker 2>grown into this amazing young woman. Like she texts Tracy

0:59:07.720 --> 0:59:09.360
<v Speaker 2>the other day and said, hey, I finished all my

0:59:09.440 --> 0:59:11.080
<v Speaker 2>tasks that you gave me. Is there anything else? And

0:59:11.080 --> 0:59:13.040
<v Speaker 2>Tracy's like, no, We're good. She's like, you know, I'm

0:59:13.120 --> 0:59:16.080
<v Speaker 2>more than willing and open to learn new things, like

0:59:16.120 --> 0:59:17.480
<v Speaker 2>if you want to teach me. I was like, look

0:59:17.480 --> 0:59:18.600
<v Speaker 2>at you will go very far.

0:59:18.920 --> 0:59:20.320
<v Speaker 1>You don't have to tell me. That's what a million

0:59:20.360 --> 0:59:22.440
<v Speaker 1>that's she's going to be a millionaire by whatever.

0:59:22.760 --> 0:59:23.080
<v Speaker 3>Girls.

0:59:23.320 --> 0:59:26.480
<v Speaker 1>Two things time management being a nice. Three things, time

0:59:26.520 --> 0:59:29.520
<v Speaker 1>management being nice, and then being willing to have feedback.

0:59:29.880 --> 0:59:32.280
<v Speaker 1>That's the shortest career advice book you'll ever read.

0:59:32.360 --> 0:59:34.400
<v Speaker 2>Yes, I'm just like, you know, it just feels really

0:59:34.400 --> 0:59:36.840
<v Speaker 2>good because I mean, you know, for those of you

0:59:36.880 --> 0:59:39.400
<v Speaker 2>who have step kids, you know, it's not always easy integrating.

0:59:39.480 --> 0:59:41.160
<v Speaker 2>You know. I came into her life she was pretty young,

0:59:41.240 --> 0:59:43.120
<v Speaker 2>like six or seven, but still you know, and her

0:59:43.120 --> 0:59:44.840
<v Speaker 2>mom is super active in her life, so she doesn't

0:59:44.840 --> 0:59:47.120
<v Speaker 2>need another mother, you know, so it was hard for

0:59:47.160 --> 0:59:49.920
<v Speaker 2>me to figure out where I fit. And so like

0:59:49.960 --> 0:59:53.240
<v Speaker 2>I feel like I'm like aunt plus you know what

0:59:53.280 --> 0:59:57.520
<v Speaker 2>I mean, But it's just like, thankfully her parents, I've

0:59:57.560 --> 0:59:59.840
<v Speaker 2>never ever ever won in one day, had ever had

1:00:00.080 --> 1:00:03.760
<v Speaker 2>issue with her mother or like her father, I mean,

1:00:04.040 --> 1:00:05.840
<v Speaker 2>you know what I mean, Like it's always I've always

1:00:05.840 --> 1:00:08.600
<v Speaker 2>had touch great support from them, thankfully, but it still

1:00:08.600 --> 1:00:12.080
<v Speaker 2>has not been easy because she's still a kid and navigating, like, wait,

1:00:12.960 --> 1:00:15.320
<v Speaker 2>should I care about Tiffany because I love my mom?

1:00:15.360 --> 1:00:17.120
<v Speaker 2>And wait, I want my dad to be back together

1:00:17.160 --> 1:00:19.440
<v Speaker 2>with my mom, not for them to be together, but

1:00:19.520 --> 1:00:21.320
<v Speaker 2>just for me, And so there was just a lot

1:00:21.320 --> 1:00:24.400
<v Speaker 2>of that. So just to see her grow up, just

1:00:24.480 --> 1:00:27.440
<v Speaker 2>to like, like, you know, she's just kind and empathetic,

1:00:27.520 --> 1:00:30.480
<v Speaker 2>but just also just to see how well that she's navigating.

1:00:30.480 --> 1:00:32.160
<v Speaker 2>She doesn't want to go to school. She's such an

1:00:32.200 --> 1:00:34.400
<v Speaker 2>old lady. She's like, yeah, I actually like this homeworn.

1:00:34.440 --> 1:00:35.640
<v Speaker 2>I'm like, you don't want to go to high school?

1:00:35.640 --> 1:00:37.959
<v Speaker 2>It's so fun. She's like, doesn't look that fun.

1:00:38.840 --> 1:00:39.000
<v Speaker 3>Ok.

1:00:40.720 --> 1:00:42.920
<v Speaker 2>She wants to be home and make her coin. Okay,

1:00:43.160 --> 1:00:45.240
<v Speaker 2>this girl's over here killing it in the streets. She

1:00:45.360 --> 1:00:47.240
<v Speaker 2>is I'm like, how much have you made so far?

1:00:47.840 --> 1:00:49.680
<v Speaker 2>And like the last like you know, since like quarantine,

1:00:49.720 --> 1:00:51.840
<v Speaker 2>she's like about four five hundred dollars. I'm like, for

1:00:52.600 --> 1:00:55.560
<v Speaker 2>a fourteen year old, she is killing it. And so yeah,

1:00:55.560 --> 1:00:58.280
<v Speaker 2>I'm just like, that is my boost. And you know,

1:00:58.320 --> 1:01:00.320
<v Speaker 2>when she starts her life coaching, I'll let you guys

1:01:00.360 --> 1:01:03.479
<v Speaker 2>know because she can teach us a thing or two

1:01:03.840 --> 1:01:06.760
<v Speaker 2>about managing her time in a way that honors, you know,

1:01:06.880 --> 1:01:11.160
<v Speaker 2>time with family, time with herself and her responsibilities and

1:01:11.200 --> 1:01:14.959
<v Speaker 2>her her money making, you know ventures, and so yeah,

1:01:15.000 --> 1:01:16.800
<v Speaker 2>so when she starts, I'm first in line. When she

1:01:16.800 --> 1:01:18.680
<v Speaker 2>starts doing life coaching, then you guys can have her

1:01:18.720 --> 1:01:21.560
<v Speaker 2>after me. So that is my love to see it.

1:01:22.600 --> 1:01:25.160
<v Speaker 1>I love it all. Hey, supergirl, I'm so proud of

1:01:25.160 --> 1:01:27.720
<v Speaker 1>you too. I feel like I've watched you grow up

1:01:27.880 --> 1:01:32.640
<v Speaker 1>through Tiffany's words for five years. All that's awesome. Get

1:01:32.640 --> 1:01:37.040
<v Speaker 1>Good with Money dot Com, y'all? Yes, yes, run go

1:01:37.240 --> 1:01:38.840
<v Speaker 1>take the Financial Wholeness Quiz.

1:01:38.840 --> 1:01:41.240
<v Speaker 2>That's what it's called, right, yes, And it's right there

1:01:41.240 --> 1:01:44.000
<v Speaker 2>at GEK Good Money dot Com And next week it

1:01:44.080 --> 1:01:47.800
<v Speaker 2>comes out on the thirtieth. So I heard a little

1:01:47.800 --> 1:01:50.080
<v Speaker 2>bun Bertie told me that, you know, some books might

1:01:50.080 --> 1:01:52.080
<v Speaker 2>actually be shipped a little bit earlier, maybe Monday, you

1:01:52.120 --> 1:01:54.760
<v Speaker 2>never know, but definitely by Tuesday, so you'll get them

1:01:54.800 --> 1:01:57.680
<v Speaker 2>as soon as next week, which is so crazy. You'll

1:01:57.720 --> 1:02:00.680
<v Speaker 2>be able to hold me in your arms because I'm.

1:02:00.720 --> 1:02:04.040
<v Speaker 1>Actually want to go to a bookstore and see.

1:02:04.320 --> 1:02:05.840
<v Speaker 2>Yes, I don't know if I'm allowed to say what

1:02:05.920 --> 1:02:08.400
<v Speaker 2>bookstores are in just yet, but so I don't know,

1:02:08.480 --> 1:02:10.920
<v Speaker 2>I'll just say, well, definitely Bards and Nobles. Well I

1:02:10.920 --> 1:02:13.040
<v Speaker 2>think I am, and I think that one of those

1:02:13.040 --> 1:02:15.400
<v Speaker 2>bookstores that are in the airports. So some Hudson News

1:02:15.400 --> 1:02:19.120
<v Speaker 2>have picked them up, which is awesome, I know, I know,

1:02:19.800 --> 1:02:21.680
<v Speaker 2>And you know what, I really loved what warm my heart.

1:02:21.720 --> 1:02:24.160
<v Speaker 2>I found out today that a lot of libraries have

1:02:24.400 --> 1:02:28.040
<v Speaker 2>ordered them a lot, and they were just really surprised.

1:02:28.040 --> 1:02:29.960
<v Speaker 2>They were like, wow, Tiffany. They said, We've had so

1:02:30.040 --> 1:02:33.360
<v Speaker 2>many libraries reach out and many of them have ordered

1:02:33.440 --> 1:02:35.800
<v Speaker 2>multiple copies. And I'm just like, oh my god. I

1:02:35.840 --> 1:02:37.840
<v Speaker 2>don't know. I guess it was like a kid that

1:02:37.920 --> 1:02:40.480
<v Speaker 2>really enjoyed the library. So just to know the libraries

1:02:40.480 --> 1:02:42.840
<v Speaker 2>are like, we want this book for a reader, so

1:02:43.080 --> 1:02:44.760
<v Speaker 2>just you know, it just feels really good. And if

1:02:44.800 --> 1:02:47.640
<v Speaker 2>your library hasn't, it's actually a great way if you're like, honestly,

1:02:47.640 --> 1:02:50.280
<v Speaker 2>I don't have the coin call your library and say, hey,

1:02:50.320 --> 1:02:53.560
<v Speaker 2>can you order get Good with Money because they can,

1:02:53.960 --> 1:02:55.320
<v Speaker 2>and then that way you can pick it up from

1:02:55.320 --> 1:02:56.760
<v Speaker 2>the library as soon as it's there.

1:02:56.880 --> 1:03:00.240
<v Speaker 1>So awesome, And we will be doing a little preview

1:03:00.640 --> 1:03:04.640
<v Speaker 1>of what you have in the book Financial Wholeness Checklist

1:03:04.880 --> 1:03:09.280
<v Speaker 1>on next week's show, so you check that out. And oh, okay,

1:03:09.320 --> 1:03:11.400
<v Speaker 1>I'm so excited. I can't wait. I haven't been this

1:03:11.400 --> 1:03:13.640
<v Speaker 1>excited about a book since Harry Potter seven, to be honest.

1:03:14.080 --> 1:03:15.640
<v Speaker 2>Oh, that's saying a lot, because I know how much

1:03:15.680 --> 1:03:18.200
<v Speaker 2>you love Frank Potter. I say, girl, I love you

1:03:18.280 --> 1:03:21.440
<v Speaker 2>like like chocolate Tip cookies, fresh big chocolate Tip cookies,

1:03:21.440 --> 1:03:23.480
<v Speaker 2>because everybody knows how much I love those cookies.

1:03:23.720 --> 1:03:25.320
<v Speaker 1>Yeah, because that was an event when you got the

1:03:25.360 --> 1:03:27.960
<v Speaker 1>new book out. Yes, when it gets on my store doorstep,

1:03:28.000 --> 1:03:30.880
<v Speaker 1>I can't wait. All right, Cool, Well, thank you for

1:03:30.920 --> 1:03:34.520
<v Speaker 1>another lovely show. BA fan hit us up on Instagram,

1:03:34.520 --> 1:03:38.520
<v Speaker 1>Brand Ambition Podcast, or Twitter at the BA Podcast and

1:03:38.600 --> 1:03:40.720
<v Speaker 1>have a great week you too.