1 00:00:00,120 --> 00:00:03,760 Speaker 1: Ba fam, we have another how to throw back for you, 2 00:00:03,920 --> 00:00:06,320 Speaker 1: of course we do. We're looking back at some of 3 00:00:06,360 --> 00:00:10,600 Speaker 1: our favorite episodes from days past for memorable guests, too 4 00:00:10,640 --> 00:00:13,600 Speaker 1: unforgettable moments. There's still so much to learn from the 5 00:00:13,720 --> 00:00:32,760 Speaker 1: b A Vault. Take a listen, willya hey. 6 00:00:33,040 --> 00:00:35,880 Speaker 2: Hey, hey we're back. 7 00:00:36,280 --> 00:00:41,440 Speaker 3: We're black, We're brown, ambit shit yeah, Aum, Tiffany, Hey, guys, 8 00:00:41,479 --> 00:00:46,560 Speaker 3: it's Mandy. Yeah, manage. It feels we're taping like Midday. 9 00:00:46,760 --> 00:00:48,960 Speaker 4: I know, but you know, we've been the rules for 10 00:00:49,040 --> 00:00:52,000 Speaker 4: our friends and we have a very special friend flash 11 00:00:52,159 --> 00:00:55,280 Speaker 4: guest today. Do you want to do the honors to? 12 00:00:55,360 --> 00:00:58,440 Speaker 2: Excited that? Well? She is? 13 00:00:58,520 --> 00:01:00,600 Speaker 3: You might have seen her. She actually her own show 14 00:01:00,640 --> 00:01:02,360 Speaker 3: at one point. I mean you've seen her. I'm shore 15 00:01:02,400 --> 00:01:05,600 Speaker 3: on the Today Show for our news to Robbie, who 16 00:01:05,720 --> 00:01:09,560 Speaker 3: is amazing. Not only is she a stellar financial expert 17 00:01:09,560 --> 00:01:14,440 Speaker 3: and educators, recently, which is so awesome, started doing stand up. 18 00:01:14,520 --> 00:01:16,040 Speaker 2: How randomly cool is that? 19 00:01:16,440 --> 00:01:19,559 Speaker 4: I forgot about that? Yeah, Nush's awesome. I've known news 20 00:01:19,600 --> 00:01:22,120 Speaker 4: for a long time. She's authored I don't know three 21 00:01:22,200 --> 00:01:25,319 Speaker 4: or four different personal finance books. She has a massively 22 00:01:25,400 --> 00:01:29,200 Speaker 4: popular podcast called so Money. The So Money Podcast. She 23 00:01:29,280 --> 00:01:31,800 Speaker 4: was one of the first personal finance influencers, I think, 24 00:01:31,840 --> 00:01:34,880 Speaker 4: to launch a podcast like that, And it's been such 25 00:01:34,880 --> 00:01:39,440 Speaker 4: an amazing, such an amazing journey for her, and I'm 26 00:01:39,440 --> 00:01:40,880 Speaker 4: so excited to have her on the show because one 27 00:01:40,880 --> 00:01:42,480 Speaker 4: of the reasons we've wanted for New Shawn for a 28 00:01:42,480 --> 00:01:45,240 Speaker 4: while is because both of us have been talking a 29 00:01:45,280 --> 00:01:48,720 Speaker 4: lot about, you know, planning our careers and our paths 30 00:01:48,720 --> 00:01:52,280 Speaker 4: to motherhood at the same time and trying to prepare 31 00:01:52,520 --> 00:01:55,560 Speaker 4: as best we can for what lies ahead. And I 32 00:01:55,560 --> 00:01:58,720 Speaker 4: can't I couldn't think of anyone who's who's been more 33 00:01:58,760 --> 00:02:03,880 Speaker 4: candid about becoming a mother and running several businesses than Farnush, 34 00:02:03,920 --> 00:02:06,280 Speaker 4: And I just knew she'd be the perfect person to, 35 00:02:06,760 --> 00:02:09,520 Speaker 4: I don't know, make us feel better about what's going 36 00:02:09,560 --> 00:02:13,240 Speaker 4: on and give some great little pearls of wisdom. On 37 00:02:13,360 --> 00:02:17,840 Speaker 4: top of that, varnushe is never one to stay in 38 00:02:17,880 --> 00:02:21,799 Speaker 4: one place for too long. She just launched a new business, 39 00:02:22,120 --> 00:02:25,560 Speaker 4: a new side project called stax House, which is a 40 00:02:25,600 --> 00:02:29,160 Speaker 4: financial empowerment pop up that she'll talk about on today's 41 00:02:29,200 --> 00:02:29,880 Speaker 4: show as well. 42 00:02:31,120 --> 00:02:33,239 Speaker 3: Yeah, I'm excited because she's just a fun, all around, 43 00:02:33,320 --> 00:02:36,040 Speaker 3: like dope human being and her kids are super adorable. 44 00:02:36,639 --> 00:02:40,840 Speaker 3: Speaking of motherhood, I spent all morning on the phone. 45 00:02:42,120 --> 00:02:44,400 Speaker 3: So I never had to enroll a kid before, like 46 00:02:44,440 --> 00:02:46,239 Speaker 3: in a school, and I grew up and I don't 47 00:02:46,240 --> 00:02:48,400 Speaker 3: know how it was where you grew up, but you know, 48 00:02:48,440 --> 00:02:49,880 Speaker 3: you just used to be like, oh, I moved to 49 00:02:49,919 --> 00:02:52,200 Speaker 3: the town, and this is the school that's close to 50 00:02:52,240 --> 00:02:55,080 Speaker 3: my house. You enroll your kid in New York. It 51 00:02:55,240 --> 00:02:58,960 Speaker 3: is so different. So I've been getting my my niece, 52 00:03:00,160 --> 00:03:01,959 Speaker 3: well not my niece by blood, but you know, my 53 00:03:02,040 --> 00:03:03,080 Speaker 3: niece by by love. 54 00:03:04,200 --> 00:03:06,560 Speaker 2: So for her mom, who moved here last year to NewYork. 55 00:03:06,639 --> 00:03:10,440 Speaker 2: Last year, she couldn't get her into school school. 56 00:03:10,919 --> 00:03:13,280 Speaker 3: A public school that she wanted because I guess she 57 00:03:13,440 --> 00:03:15,760 Speaker 3: moved like right at the school year kind of time. 58 00:03:15,840 --> 00:03:17,840 Speaker 3: So I understood that because there's like a lottery system. 59 00:03:18,040 --> 00:03:20,840 Speaker 3: But this year she applied extra early. You get to 60 00:03:20,919 --> 00:03:23,760 Speaker 3: choose like four schools. She chose four schools and was 61 00:03:23,800 --> 00:03:25,440 Speaker 3: not matched to any of them. So her mother was 62 00:03:25,480 --> 00:03:29,000 Speaker 3: totally freaking out. So I was like, that seems weird 63 00:03:29,000 --> 00:03:31,600 Speaker 3: and crazy. So I posted it on Facebook, like, hey 64 00:03:31,600 --> 00:03:33,560 Speaker 3: Newark people, how does this work? 65 00:03:34,160 --> 00:03:35,840 Speaker 2: And so isn't that weird? 66 00:03:35,880 --> 00:03:40,000 Speaker 3: Like apparently this is true. You can choose your schools. 67 00:03:40,880 --> 00:03:42,880 Speaker 3: And these are public schools. These are not charter schools, 68 00:03:42,880 --> 00:03:45,800 Speaker 3: these are not these are just regular public schools near 69 00:03:45,840 --> 00:03:46,760 Speaker 3: your house. 70 00:03:46,960 --> 00:03:49,360 Speaker 2: And not get matched. I don't know how you're not 71 00:03:49,480 --> 00:03:50,400 Speaker 2: matched to four. 72 00:03:51,080 --> 00:03:53,000 Speaker 3: So I've been on the phone, honestly, but now I've 73 00:03:53,000 --> 00:03:55,640 Speaker 3: spoken to the CEO of the United Way. I spoken 74 00:03:55,680 --> 00:03:59,680 Speaker 3: to like an executive at the charter school. I spoken 75 00:03:59,720 --> 00:04:04,000 Speaker 3: to a board member at the Newark Board of Education 76 00:04:04,080 --> 00:04:06,400 Speaker 3: because I'm like, no, this is not right, and this 77 00:04:06,480 --> 00:04:09,120 Speaker 3: is not just for my niece, but just in general, 78 00:04:09,360 --> 00:04:11,840 Speaker 3: what is going on? And like, you know, I wonder 79 00:04:11,920 --> 00:04:15,280 Speaker 3: if any parents out there have experienced with like this 80 00:04:15,280 --> 00:04:18,479 Speaker 3: whole lottery system. I'd heard of it before, but I 81 00:04:18,480 --> 00:04:22,360 Speaker 3: didn't realize that it could. You could literally not get matched. 82 00:04:23,160 --> 00:04:25,640 Speaker 4: It's a public school or are they stublic? 83 00:04:25,760 --> 00:04:25,839 Speaker 2: No? 84 00:04:25,960 --> 00:04:28,800 Speaker 3: These are straight public, like not sometimes you can have 85 00:04:28,839 --> 00:04:30,840 Speaker 3: like a charter school that's like we're like a public school, 86 00:04:30,960 --> 00:04:34,159 Speaker 3: and it's like, no, this is straight run of the mill. 87 00:04:34,240 --> 00:04:35,839 Speaker 3: I mean, these are good public schools, but they're public 88 00:04:35,839 --> 00:04:38,520 Speaker 3: schools nonetheless. So isn't that crazy that you can literally 89 00:04:39,480 --> 00:04:41,280 Speaker 3: like not get into a public school four of them 90 00:04:41,320 --> 00:04:42,800 Speaker 3: by your house? Yeah? 91 00:04:42,839 --> 00:04:45,160 Speaker 4: Man, New England is no like Northeast is no joke, 92 00:04:45,279 --> 00:04:47,280 Speaker 4: New York, New jert Like the things I've learned about 93 00:04:47,279 --> 00:04:49,480 Speaker 4: public education up here, I makes them want to move 94 00:04:49,480 --> 00:04:52,680 Speaker 4: back to Georgia real quick. When I was growing up, yeah, 95 00:04:52,680 --> 00:04:55,200 Speaker 4: it was just like you were saying, like the total opposite. 96 00:04:55,240 --> 00:04:57,400 Speaker 4: You know, what's your school? Just look, you know, look 97 00:04:57,440 --> 00:04:59,920 Speaker 4: at where you're zoned. You know, you have a choice 98 00:05:00,120 --> 00:05:02,560 Speaker 4: one high school, one middle school, maybe two high schools 99 00:05:02,560 --> 00:05:06,039 Speaker 4: if you're lucky. Yep, and that's it. Like the bus 100 00:05:06,040 --> 00:05:09,279 Speaker 4: picks you up, you go, and there's no choice. It's 101 00:05:09,360 --> 00:05:11,880 Speaker 4: just totally different here. How old is your niece? 102 00:05:12,680 --> 00:05:14,719 Speaker 2: She is eight, she's going to third grade. 103 00:05:15,000 --> 00:05:16,960 Speaker 4: Third grade, so it's like elementary school. 104 00:05:18,040 --> 00:05:18,320 Speaker 2: M hm. 105 00:05:18,440 --> 00:05:20,800 Speaker 3: So I'm just like, excuse me. I was trying to 106 00:05:20,839 --> 00:05:22,640 Speaker 3: meet it and I couldn't press the meat button in time. 107 00:05:23,480 --> 00:05:26,880 Speaker 3: It's okay, but yeah, I just so this is not 108 00:05:26,920 --> 00:05:29,080 Speaker 3: just for her, this is just in general. So I'm 109 00:05:29,120 --> 00:05:31,760 Speaker 3: just trying to figure out. So we've gotten like a solution. 110 00:05:31,839 --> 00:05:35,120 Speaker 3: Apparently it's like some family center place that you can 111 00:05:35,160 --> 00:05:38,000 Speaker 3: go to and opens up the twenty ninth of this 112 00:05:38,080 --> 00:05:40,359 Speaker 3: month and you can go and kind of be like, 113 00:05:40,560 --> 00:05:41,920 Speaker 3: so I. 114 00:05:41,839 --> 00:05:43,640 Speaker 2: Didn't get into these schools. What do I do? 115 00:05:43,920 --> 00:05:47,000 Speaker 3: But the earlier you go, the better, and so that's 116 00:05:47,000 --> 00:05:50,200 Speaker 3: what she's going to do. And then so I just 117 00:05:51,000 --> 00:05:52,240 Speaker 3: you know, and then you you know, you pray for 118 00:05:52,279 --> 00:05:54,240 Speaker 3: the best. I don't because I don't know, it's not guaranteed. 119 00:05:54,279 --> 00:05:57,400 Speaker 3: We can go to this family center place and they're like, yeah, girls, 120 00:05:57,400 --> 00:05:59,600 Speaker 3: so you and everybody else who wants a good school. 121 00:06:00,160 --> 00:06:03,080 Speaker 3: But I mean, I'm hopeful. But it's also just disheartening 122 00:06:03,120 --> 00:06:05,120 Speaker 3: because it's like, so what do you do? Do you 123 00:06:05,160 --> 00:06:07,200 Speaker 3: do you either so it's like one or two choices. 124 00:06:07,480 --> 00:06:10,800 Speaker 3: You either, well three, One you send your kid to 125 00:06:11,400 --> 00:06:14,560 Speaker 3: a school where the kids are failing, which is like what, 126 00:06:14,800 --> 00:06:16,039 Speaker 3: you know, why would a parent want that? 127 00:06:16,520 --> 00:06:19,400 Speaker 2: Two you send your kids to a decent school. But 128 00:06:19,400 --> 00:06:22,040 Speaker 2: it's super far like Nowrark, it's huge, Like we live 129 00:06:22,080 --> 00:06:24,600 Speaker 2: in the Northward. There are great schools in the Southward. 130 00:06:24,640 --> 00:06:27,440 Speaker 3: You're looking at like a twenty minute drive sometimes, you know, 131 00:06:27,480 --> 00:06:29,240 Speaker 3: depending on you're going through traffic and stuff. You know, 132 00:06:29,320 --> 00:06:32,480 Speaker 3: like that's not a small thing to take your third grader, 133 00:06:32,920 --> 00:06:34,840 Speaker 3: you know. And then third choices that you put them 134 00:06:34,880 --> 00:06:36,680 Speaker 3: in private school. And that's what she did last year. 135 00:06:36,720 --> 00:06:39,520 Speaker 3: She put her in a parochial school, but you know, 136 00:06:40,520 --> 00:06:43,000 Speaker 3: it was fairly inexpensive as far as Catholic schools go, 137 00:06:43,400 --> 00:06:45,440 Speaker 3: but it was still money, you know. And she's like, 138 00:06:45,480 --> 00:06:47,760 Speaker 3: we really, we just bought a home. We're trying to 139 00:06:47,800 --> 00:06:53,560 Speaker 3: save spending you know, money every month for private school when. 140 00:06:53,480 --> 00:06:54,440 Speaker 2: We paid taxes. 141 00:06:54,520 --> 00:06:56,440 Speaker 3: We bought a house here, we started a business here, 142 00:06:56,480 --> 00:06:58,440 Speaker 3: we paid taxes here, we went to college here. 143 00:06:58,800 --> 00:07:02,719 Speaker 2: Like I mean, I guess I'm not looking for to 144 00:07:02,760 --> 00:07:03,880 Speaker 2: be overly. 145 00:07:03,560 --> 00:07:07,880 Speaker 3: Accommodated, just accommodated like a like a normal parent should, 146 00:07:07,960 --> 00:07:10,240 Speaker 3: you know. So it's just been an interesting process and 147 00:07:10,280 --> 00:07:13,320 Speaker 3: I'm like, wow, you know, how many parents you know 148 00:07:13,440 --> 00:07:15,920 Speaker 3: don't have the capacity to advocate for their child. 149 00:07:15,920 --> 00:07:16,480 Speaker 2: What do they do? 150 00:07:16,600 --> 00:07:19,920 Speaker 4: You know, that's really disheartening. 151 00:07:21,040 --> 00:07:22,480 Speaker 2: Yeah, so I mean I'll give you guys an update. 152 00:07:22,480 --> 00:07:24,240 Speaker 3: You know, by this time next week, I should have 153 00:07:24,320 --> 00:07:26,680 Speaker 3: like an update, so hopefully it all works out. But 154 00:07:27,000 --> 00:07:29,720 Speaker 3: ultimately what I want is that I'm sharing kind of 155 00:07:29,760 --> 00:07:31,640 Speaker 3: like the solutions that people have given me, like on 156 00:07:31,680 --> 00:07:34,200 Speaker 3: my Facebook page, because that's why I posted the question, 157 00:07:34,400 --> 00:07:36,800 Speaker 3: so you know, I mean, because I know she's not 158 00:07:36,800 --> 00:07:38,520 Speaker 3: the only parent, and that was the one request that 159 00:07:38,720 --> 00:07:42,120 Speaker 3: when I get some feedback, share the solutions. And honestly, 160 00:07:42,120 --> 00:07:44,400 Speaker 3: the solution has just been to go to this family's 161 00:07:44,440 --> 00:07:47,840 Speaker 3: center and and just share what's going on, and they're 162 00:07:47,880 --> 00:07:49,040 Speaker 3: supposed to be able to help. 163 00:07:49,080 --> 00:07:50,679 Speaker 2: And so I mean. 164 00:07:50,880 --> 00:07:53,440 Speaker 3: That's literally everybody who I message that's been the same 165 00:07:53,640 --> 00:07:58,040 Speaker 3: feedback from, you know, the the charter school executive, the 166 00:07:58,160 --> 00:08:00,800 Speaker 3: CEO of the United Way, the Board of Education. Remember, 167 00:08:00,800 --> 00:08:02,920 Speaker 3: every single person said the same thing. So I'm like, well, 168 00:08:03,000 --> 00:08:05,200 Speaker 3: let's hope that that's a real solution, you know. 169 00:08:06,480 --> 00:08:08,600 Speaker 4: I mean, just finding it, like daycare is hard enough, 170 00:08:09,400 --> 00:08:12,320 Speaker 4: what then yeah, like paying for you know, paying for 171 00:08:12,400 --> 00:08:14,360 Speaker 4: K through twelve, if you have to send your kid 172 00:08:14,400 --> 00:08:16,320 Speaker 4: to private school, which some parents up to do if 173 00:08:16,320 --> 00:08:19,480 Speaker 4: schools aren't good, and then think about the cost of 174 00:08:19,480 --> 00:08:20,480 Speaker 4: college on top of that. 175 00:08:20,600 --> 00:08:24,800 Speaker 3: It's just yeah, it's just exactly and it's not Honestly, it's 176 00:08:24,840 --> 00:08:27,600 Speaker 3: one of the reasons why, like Newark was under state 177 00:08:27,680 --> 00:08:31,160 Speaker 3: control for like thirty years something crazy. This is the 178 00:08:31,240 --> 00:08:34,719 Speaker 3: first year that they're finally able to manage their own 179 00:08:34,760 --> 00:08:37,200 Speaker 3: schools because New York schools were doing so poorly public 180 00:08:37,200 --> 00:08:40,880 Speaker 3: schools that the state took over, and so it's crawling 181 00:08:40,880 --> 00:08:42,640 Speaker 3: its way out of that, and if they want families 182 00:08:42,679 --> 00:08:45,760 Speaker 3: to move here to Newark, you know, then they have 183 00:08:45,840 --> 00:08:48,720 Speaker 3: to provide a way for them to have access to 184 00:08:49,679 --> 00:08:53,280 Speaker 3: free and fair and good public education or else people 185 00:08:53,320 --> 00:08:55,520 Speaker 3: won't stay here. I know, I won't let me wait 186 00:08:55,640 --> 00:08:57,760 Speaker 3: till super baby gets here. If it's a problem getting 187 00:08:57,760 --> 00:08:58,600 Speaker 3: my baby into like. 188 00:08:58,559 --> 00:08:59,160 Speaker 2: A good school. 189 00:08:59,200 --> 00:09:01,199 Speaker 3: Someone's like, well, girl, you gon have the money to 190 00:09:01,240 --> 00:09:02,719 Speaker 3: go to public private school, And I'm like, well, first 191 00:09:02,720 --> 00:09:05,040 Speaker 3: of all, I grew up in Westfield, which has one 192 00:09:05,040 --> 00:09:08,440 Speaker 3: of the best school systems in the state. My parents 193 00:09:08,440 --> 00:09:10,880 Speaker 3: purposely moved there because they were like, either do we 194 00:09:10,920 --> 00:09:13,840 Speaker 3: pay for private school for five girls or do we 195 00:09:13,880 --> 00:09:16,920 Speaker 3: pay taxes? And they opted for taxes, so you should 196 00:09:16,920 --> 00:09:18,640 Speaker 3: be able to say that. So no, my kids will 197 00:09:18,640 --> 00:09:20,960 Speaker 3: go to public school if it's a good public school. 198 00:09:21,280 --> 00:09:23,160 Speaker 3: I have no problem with that. But they have to 199 00:09:23,200 --> 00:09:25,960 Speaker 3: be available to them. So yeah, you know, this is 200 00:09:25,960 --> 00:09:28,480 Speaker 3: I mean, like I said, this is it's been very 201 00:09:28,480 --> 00:09:32,839 Speaker 3: interesting like this morning, Like, you know, so this is 202 00:09:32,880 --> 00:09:34,640 Speaker 3: what it is to assurance. 203 00:09:34,880 --> 00:09:36,800 Speaker 4: Well, did you on the on the bright side, I 204 00:09:36,800 --> 00:09:39,840 Speaker 4: mean speaking of like the cost of education. So following 205 00:09:40,040 --> 00:09:42,760 Speaker 4: candidates for twenty twenty, because it's never too early to 206 00:09:42,760 --> 00:09:47,560 Speaker 4: think about twenty twenty, Elizabeth Warren, Democratic candidate for the 207 00:09:47,600 --> 00:09:51,640 Speaker 4: nomination presidential nomination. She's released a plan. She's like one 208 00:09:51,640 --> 00:09:54,600 Speaker 4: of the only candidates who's actually releasing policy initiatives. So 209 00:09:54,960 --> 00:09:58,080 Speaker 4: that's what I'm looking at, is candidate's policies. And today 210 00:09:58,120 --> 00:10:00,439 Speaker 4: she came out and rolled out a plan for what 211 00:10:00,679 --> 00:10:05,600 Speaker 4: she would consider. She'd actually considered canceling student loan debt, 212 00:10:05,679 --> 00:10:08,160 Speaker 4: up to fifty thousand dollars of student loan debt for 213 00:10:08,160 --> 00:10:12,480 Speaker 4: forty two million Americans in this new policy planning right, 214 00:10:13,200 --> 00:10:15,000 Speaker 4: and the way she would pay for it is a 215 00:10:15,000 --> 00:10:17,560 Speaker 4: few months ago when she first rolled out her candidacy, 216 00:10:17,640 --> 00:10:19,520 Speaker 4: or a couple months ago, she rolled out a new 217 00:10:19,600 --> 00:10:23,160 Speaker 4: private wealth tax, which would essentially put higher taxes on 218 00:10:23,200 --> 00:10:25,839 Speaker 4: the rich, which we know recent tax reform did nothing, 219 00:10:26,080 --> 00:10:29,000 Speaker 4: you know to that effect. So she would raise taxes 220 00:10:29,040 --> 00:10:32,280 Speaker 4: on the uber wealthy, and then with that increased tax revenue, 221 00:10:33,040 --> 00:10:36,200 Speaker 4: she's talking about passing that on to student loan borrowers 222 00:10:36,200 --> 00:10:39,360 Speaker 4: to help them have up to fifty thousand dollars of 223 00:10:39,360 --> 00:10:43,720 Speaker 4: their student loans, their student loan debt completely eliminated, which 224 00:10:43,920 --> 00:10:48,480 Speaker 4: would just change lives. I mean, talk about starting from behind. 225 00:10:49,440 --> 00:10:52,960 Speaker 4: That would be huge, so huge. 226 00:10:54,800 --> 00:10:54,880 Speaker 2: No. 227 00:10:55,280 --> 00:10:57,480 Speaker 3: I saw that like pop up in my in my feed, 228 00:10:57,520 --> 00:11:00,640 Speaker 3: and I was like, honestly, that is an amazing idea, 229 00:11:00,720 --> 00:11:04,480 Speaker 3: And yeah, I think I mean that just I don't know, 230 00:11:04,600 --> 00:11:08,200 Speaker 3: Like I look at my mentee's she graduated law school. 231 00:11:08,280 --> 00:11:11,400 Speaker 3: She's now working as a lawyer, but when she first graduated, 232 00:11:11,440 --> 00:11:12,800 Speaker 3: she was like, what am I going to do? My 233 00:11:13,480 --> 00:11:18,080 Speaker 3: student loans are nine hundred dollars a month? And I'm like, what, 234 00:11:18,960 --> 00:11:22,000 Speaker 3: there are a mortgage payment? I don't even you know, 235 00:11:22,000 --> 00:11:23,360 Speaker 3: but I mean, I'm sure there are private loans. I'm 236 00:11:23,360 --> 00:11:27,680 Speaker 3: assuming that, you know, Senator Warren is talking about public loans, 237 00:11:27,720 --> 00:11:29,920 Speaker 3: but still student loans are crippling. 238 00:11:30,320 --> 00:11:34,400 Speaker 4: I wish that was my mortgage payment anyway, property taxes. 239 00:11:34,559 --> 00:11:37,400 Speaker 2: If you live in deep South Jersey or in the South. 240 00:11:37,920 --> 00:11:40,960 Speaker 4: No, but for real. So that was just fascinating to me. 241 00:11:41,200 --> 00:11:44,080 Speaker 4: And you know, especially when you look at stats that 242 00:11:44,120 --> 00:11:46,480 Speaker 4: have shown, you know, everyone was so excited about public 243 00:11:46,520 --> 00:11:48,960 Speaker 4: service loan forgiveness program and how it was meant to 244 00:11:49,080 --> 00:11:51,920 Speaker 4: forgive student loan debt for people who took jobs and 245 00:11:52,000 --> 00:11:54,680 Speaker 4: career paths and nonprofit or government work, only to find 246 00:11:54,679 --> 00:11:57,520 Speaker 4: out that very few people really qualified because there were 247 00:11:57,520 --> 00:12:02,839 Speaker 4: so many asterisks next to the qualification rules, so you know, 248 00:12:02,960 --> 00:12:06,280 Speaker 4: there's the student loan system is still so broken. So 249 00:12:06,280 --> 00:12:08,480 Speaker 4: that's not as I'm looking toward twenty twenty and what 250 00:12:08,520 --> 00:12:11,240 Speaker 4: candidates have to say, like I really want to see 251 00:12:11,280 --> 00:12:15,320 Speaker 4: some actual policies with you know, ways to pay for them. 252 00:12:15,440 --> 00:12:17,960 Speaker 4: And it seems like Lizzie Warren so far has at 253 00:12:18,040 --> 00:12:21,760 Speaker 4: least a plan to pay for such a program. And 254 00:12:21,800 --> 00:12:24,400 Speaker 4: the implications for the economy are just huge, Like if 255 00:12:24,640 --> 00:12:26,800 Speaker 4: it's not just about giving people a free ride, it's 256 00:12:26,880 --> 00:12:29,960 Speaker 4: like with fifty thousand dollars off their back, imagine what 257 00:12:30,000 --> 00:12:31,760 Speaker 4: you could do, you know, qualify for a mortgage or 258 00:12:31,800 --> 00:12:34,400 Speaker 4: what's you know, freaking out because millennials aren't you know, 259 00:12:34,440 --> 00:12:37,680 Speaker 4: getting into the home home. You can start a business, right, 260 00:12:37,720 --> 00:12:41,440 Speaker 4: start a business, maybe not rack up credit card debt 261 00:12:41,480 --> 00:12:44,959 Speaker 4: to finance your life, get out of the rent trap. 262 00:12:45,120 --> 00:12:49,000 Speaker 4: Like there's there's so much opportunity. And when you also 263 00:12:49,200 --> 00:12:52,720 Speaker 4: couple that with like stats on how disproportionate the student 264 00:12:52,760 --> 00:12:57,040 Speaker 4: loan debt crisis impacts communities of color, you know, who 265 00:12:57,080 --> 00:12:58,960 Speaker 4: are we really talking about when we when we say 266 00:12:59,120 --> 00:13:01,760 Speaker 4: who will really benefit it from the duck canslation it 267 00:13:01,800 --> 00:13:04,880 Speaker 4: can be people of color in a big way who 268 00:13:04,920 --> 00:13:07,880 Speaker 4: already or so behind. So that was a bit of 269 00:13:08,040 --> 00:13:09,040 Speaker 4: good news. 270 00:13:09,520 --> 00:13:11,160 Speaker 3: For next week. Don't forget to remind me. I'm like 271 00:13:11,200 --> 00:13:12,520 Speaker 3: I've been Did I tell you that I was looking 272 00:13:12,520 --> 00:13:13,640 Speaker 3: for a new financial planner? 273 00:13:13,880 --> 00:13:15,360 Speaker 4: Yes, ma'am. We talked about that. 274 00:13:16,360 --> 00:13:18,280 Speaker 3: So but I'm gonna i'll give you guys the update 275 00:13:18,320 --> 00:13:20,400 Speaker 3: of like, so I've been interviewing. I think I interviewed 276 00:13:20,440 --> 00:13:22,559 Speaker 3: like I want to say, five or six people last week, 277 00:13:22,559 --> 00:13:24,680 Speaker 3: and I have like two or three more this week. 278 00:13:25,000 --> 00:13:26,920 Speaker 2: So I'll give you a little update. A couple of 279 00:13:26,960 --> 00:13:28,000 Speaker 2: people I was like. 280 00:13:28,040 --> 00:13:31,080 Speaker 3: Yikes, are you sure you know how to budget, let 281 00:13:31,120 --> 00:13:32,199 Speaker 3: alone financially planned? 282 00:13:32,200 --> 00:13:34,400 Speaker 2: But you know, and some people were really awesome and 283 00:13:34,480 --> 00:13:35,720 Speaker 2: some people were really aggressive. 284 00:13:35,760 --> 00:13:37,840 Speaker 3: So I'll give you guys a update once I finished 285 00:13:37,840 --> 00:13:41,800 Speaker 3: all of my a lot of my interviews and just 286 00:13:41,840 --> 00:13:43,880 Speaker 3: you know, share kind of like the process and a 287 00:13:43,960 --> 00:13:46,680 Speaker 3: tool something I created for myself that made the process 288 00:13:46,760 --> 00:13:48,760 Speaker 3: ten times easier, and I'll share it with you guys. 289 00:13:48,840 --> 00:13:51,079 Speaker 2: So just putting it, putting that out there before a 290 00:13:51,160 --> 00:13:52,000 Speaker 2: niche comes on. 291 00:13:52,720 --> 00:13:56,360 Speaker 4: All right, very excited to hear who you pick. So 292 00:13:56,840 --> 00:13:58,480 Speaker 4: all right, well, let's take a quick break and we'll 293 00:13:58,520 --> 00:14:03,240 Speaker 4: be right back with personal finance Guru, podcaster, entrepreneur, business owner, 294 00:14:03,360 --> 00:14:07,880 Speaker 4: mom preneur, just all. Whatever the accolades are, she's got them. 295 00:14:08,080 --> 00:14:28,240 Speaker 4: For a new to Rabbi, come back and join us. Okay, guys, 296 00:14:28,240 --> 00:14:31,280 Speaker 4: we are back as promised with for News to Rabbi, 297 00:14:31,400 --> 00:14:35,320 Speaker 4: personal finance guru and recently co founder of stax House. 298 00:14:35,360 --> 00:14:37,480 Speaker 5: We're calling it a pop up with a purpose, so, 299 00:14:37,880 --> 00:14:41,640 Speaker 5: you know, taking a page out of the success of 300 00:14:41,680 --> 00:14:43,960 Speaker 5: all these other pop ups like Museum of ice Cream, 301 00:14:44,040 --> 00:14:47,280 Speaker 5: Museum of Pizza, Color Factory, twenty nine rooms, we want 302 00:14:47,320 --> 00:14:49,640 Speaker 5: to be as successful as them. There's a cultural relevance 303 00:14:49,680 --> 00:14:52,120 Speaker 5: and a cultural excitement around pop ups, but we wanted 304 00:14:52,120 --> 00:14:54,920 Speaker 5: to bring forth also a bit of purpose, and that 305 00:14:54,960 --> 00:14:57,760 Speaker 5: purpose is to empower women as they go through the experience, 306 00:14:57,840 --> 00:15:01,240 Speaker 5: to open about their money, to feel like it's not 307 00:15:01,360 --> 00:15:04,080 Speaker 5: taboo that they can actually you know, take control of 308 00:15:04,080 --> 00:15:06,800 Speaker 5: their financial lives. And we know that there are many 309 00:15:07,120 --> 00:15:10,120 Speaker 5: solutions to this problem. We don't claim to be you know, 310 00:15:10,120 --> 00:15:11,760 Speaker 5: the pop up's not going to solve all the world's 311 00:15:11,760 --> 00:15:14,840 Speaker 5: financial problems, but we thought that, you know, with all 312 00:15:14,960 --> 00:15:17,680 Speaker 5: the content that already exists in the world, of personal finance, 313 00:15:17,920 --> 00:15:22,160 Speaker 5: your great podcast books, you know courses that what was 314 00:15:22,440 --> 00:15:24,760 Speaker 5: kind of missing was this essential experience. 315 00:15:24,920 --> 00:15:28,720 Speaker 4: Yeah, you guys should check out www dot Stexhouse dot 316 00:15:28,760 --> 00:15:32,120 Speaker 4: com to buy tickets for sex House. Now let's talk 317 00:15:32,120 --> 00:15:35,160 Speaker 4: about the social media moments, because this is all about 318 00:15:35,160 --> 00:15:38,120 Speaker 4: financial empowerment. But we all love a good Instagram moment. 319 00:15:38,480 --> 00:15:42,480 Speaker 4: And all I'm seeing is the mechanical piggybank. Yeah, and 320 00:15:42,520 --> 00:15:44,440 Speaker 4: I need to know more. Does it travel? Will it 321 00:15:44,480 --> 00:15:45,800 Speaker 4: be traveling to future? 322 00:15:45,800 --> 00:15:50,160 Speaker 5: Toward panical baby? And the piggy bank really is meant 323 00:15:50,240 --> 00:15:53,800 Speaker 5: to and the ride is meant to illustrate bring to 324 00:15:53,880 --> 00:15:55,880 Speaker 5: life the movements of the market, the fact that the 325 00:15:55,880 --> 00:15:58,920 Speaker 5: market can be unpredictable, up down, sideways, round and round. 326 00:15:59,240 --> 00:16:02,440 Speaker 5: We found that something like eighty six percent of women 327 00:16:03,000 --> 00:16:05,560 Speaker 5: have said that they have yet to get paid back 328 00:16:05,680 --> 00:16:08,600 Speaker 5: for a small purchase amongst friends. Whether that's like I 329 00:16:08,640 --> 00:16:11,000 Speaker 5: got you, I shared in Uber with you last night 330 00:16:11,040 --> 00:16:13,360 Speaker 5: and I paid for it, or I got dinner last night, 331 00:16:13,800 --> 00:16:18,360 Speaker 5: they're still waiting for that payment. Yeah. So we were like, 332 00:16:18,440 --> 00:16:20,200 Speaker 5: as something as small as that to as we know, 333 00:16:20,320 --> 00:16:22,840 Speaker 5: like asking for a raise, we have this real trepidation 334 00:16:22,920 --> 00:16:25,240 Speaker 5: around talking about money and asking for what we want. 335 00:16:25,360 --> 00:16:29,840 Speaker 5: So that room has these beautiful illuminated installations ons, this 336 00:16:30,000 --> 00:16:33,880 Speaker 5: massive cake that represents a celebratory occasion in your life. 337 00:16:33,920 --> 00:16:36,000 Speaker 5: Another is an actual house that you can walk in, 338 00:16:36,040 --> 00:16:39,640 Speaker 5: which represents like you know, living in a home that 339 00:16:40,080 --> 00:16:44,479 Speaker 5: a shaving that milestone. And in all of these experiences 340 00:16:44,600 --> 00:16:47,800 Speaker 5: or life moments, how to speak up and ask for 341 00:16:47,880 --> 00:16:50,560 Speaker 5: money because like with birthdays and stuff, we get a 342 00:16:50,560 --> 00:16:52,560 Speaker 5: ton of gifts that we never use, So why don't 343 00:16:52,600 --> 00:16:54,880 Speaker 5: you ask for money instead, or you know, when you 344 00:16:55,240 --> 00:16:58,600 Speaker 5: have a roommate and you're living with your roommate, making 345 00:16:58,600 --> 00:17:01,200 Speaker 5: sure that you're talking about splitting the bills and having 346 00:17:01,280 --> 00:17:06,080 Speaker 5: that important conversation. So that room is you'll see that 347 00:17:06,080 --> 00:17:08,919 Speaker 5: all over Instagram, this giant cake or the home that 348 00:17:08,960 --> 00:17:11,080 Speaker 5: we have in this huge like also this one room 349 00:17:11,080 --> 00:17:12,760 Speaker 5: that this one part of the room that is this 350 00:17:12,920 --> 00:17:16,880 Speaker 5: floral like decor that looks like a travel destination. That's 351 00:17:16,920 --> 00:17:19,240 Speaker 5: also a life moment. We want to encourage women to 352 00:17:20,000 --> 00:17:23,200 Speaker 5: travel and experience travel, but to do it responsibly, splitting 353 00:17:23,200 --> 00:17:25,960 Speaker 5: the bill with friends and how to have those conversations. 354 00:17:27,359 --> 00:17:29,920 Speaker 5: We also have a stack salon, which is a retrofitted 355 00:17:30,800 --> 00:17:33,679 Speaker 5: salon that looks like kind of like out of you know, 356 00:17:33,760 --> 00:17:37,160 Speaker 5: still Magnolia's or something, And in that room, it's really 357 00:17:37,160 --> 00:17:42,080 Speaker 5: about creating this relaxing backdrop to then talk about negotiating 358 00:17:42,160 --> 00:17:44,560 Speaker 5: and asking for your worth. So we've got excerpts from 359 00:17:44,560 --> 00:17:47,640 Speaker 5: my podcast playing with people from like Susie Orman and 360 00:17:47,800 --> 00:17:51,520 Speaker 5: Ariana Huffington talking about how to earn your worth. We 361 00:17:51,600 --> 00:17:54,680 Speaker 5: have a Stax she Stacks magazine. She Sacks as our 362 00:17:54,680 --> 00:17:56,800 Speaker 5: parent company, so we have a whole magazine in there 363 00:17:56,880 --> 00:18:00,479 Speaker 5: that has articles around how to negotiate and you know, 364 00:18:00,560 --> 00:18:04,800 Speaker 5: how to turn your side hustle into a full time gig. 365 00:18:04,840 --> 00:18:07,080 Speaker 5: And then we have in every room. I forgot to 366 00:18:07,119 --> 00:18:09,840 Speaker 5: mention this. In every room, we have these electronic beacons 367 00:18:10,320 --> 00:18:12,920 Speaker 5: that we call them beacons. There are these tall vertical 368 00:18:12,960 --> 00:18:16,800 Speaker 5: stations that are driven by iPads that are a lot 369 00:18:16,800 --> 00:18:19,800 Speaker 5: of them are pop quizzes or they're asking you for 370 00:18:19,880 --> 00:18:22,080 Speaker 5: more information about yourself so that we can give you 371 00:18:22,119 --> 00:18:25,200 Speaker 5: more catered advice. So that's where we're trying to sprinkle 372 00:18:25,200 --> 00:18:28,920 Speaker 5: in the literacy throughout the experience. It was a balance, right, 373 00:18:29,040 --> 00:18:33,520 Speaker 5: so it's not this heavy handed, you know, textbook financial experience. 374 00:18:33,800 --> 00:18:36,720 Speaker 5: I thought that would be a little weird frankly, but 375 00:18:36,800 --> 00:18:39,080 Speaker 5: to the extent that we thought it was you know, 376 00:18:39,200 --> 00:18:43,480 Speaker 5: fun and appropriate and well tied into the room. We 377 00:18:43,600 --> 00:18:46,119 Speaker 5: have these moments where you can learn about money, but 378 00:18:46,160 --> 00:18:48,400 Speaker 5: we also hope to have like money schools, really good 379 00:18:48,440 --> 00:18:55,080 Speaker 5: conversations around closing the wealth gap, you know how the 380 00:18:55,119 --> 00:18:57,720 Speaker 5: different sort of unique financial circumstances that affect people that 381 00:18:57,760 --> 00:19:00,480 Speaker 5: are like women of color or modualized groups. Groups Like 382 00:19:00,800 --> 00:19:05,119 Speaker 5: how we can you know, create better advice or tools 383 00:19:05,240 --> 00:19:07,880 Speaker 5: or what are the systemic issues that we can address, 384 00:19:08,359 --> 00:19:11,320 Speaker 5: because you know, again, sax House in and of itself 385 00:19:11,440 --> 00:19:13,480 Speaker 5: is a great experience, but we really want to take 386 00:19:13,520 --> 00:19:16,359 Speaker 5: it to the next level through conversation and we have 387 00:19:16,440 --> 00:19:19,720 Speaker 5: a dedicated space in sax House for those things. So 388 00:19:19,720 --> 00:19:21,520 Speaker 5: if you two want to come and ho do a 389 00:19:21,520 --> 00:19:24,160 Speaker 5: live podcast from sax House, we would totally invite you 390 00:19:24,440 --> 00:19:28,600 Speaker 5: to come. I think that would be fun and yeah, 391 00:19:28,680 --> 00:19:31,000 Speaker 5: so if maybe that's how I get you guys to 392 00:19:31,040 --> 00:19:33,480 Speaker 5: come come take your show on the road, I'll. 393 00:19:33,359 --> 00:19:33,720 Speaker 1: Take it. 394 00:19:35,720 --> 00:19:35,880 Speaker 2: Well. 395 00:19:35,880 --> 00:19:38,399 Speaker 4: Our other motivation for having you on Farniche was just 396 00:19:38,440 --> 00:19:40,879 Speaker 4: to talk to you because you wrote this amazing article 397 00:19:40,880 --> 00:19:43,159 Speaker 4: in Refinary twenty nine about what it's like to be 398 00:19:43,240 --> 00:19:47,000 Speaker 4: a successful mom and an entrepreneur. So let's let's jump 399 00:19:47,000 --> 00:19:49,800 Speaker 4: into that. I mean, Tiffany, I know you have questions here. 400 00:19:49,920 --> 00:19:51,840 Speaker 3: Yes, and so I just wanted to ask, like, you know, 401 00:19:52,280 --> 00:19:53,679 Speaker 3: with all that you do, if you guys don't know, 402 00:19:53,800 --> 00:19:56,199 Speaker 3: you know, we talked a little bit about Fernution kind 403 00:19:56,200 --> 00:19:58,280 Speaker 3: of like what she does, and you've probably seen her 404 00:19:58,320 --> 00:20:00,800 Speaker 3: on TV and she's got her podcast, she's got this 405 00:20:00,880 --> 00:20:02,960 Speaker 3: new this new venture. 406 00:20:03,200 --> 00:20:05,840 Speaker 2: How are you able because as I we. 407 00:20:05,920 --> 00:20:07,919 Speaker 3: Talked offline that you know, I'm trying to start a 408 00:20:07,920 --> 00:20:10,280 Speaker 3: family with Superman, and I am a little nervous. 409 00:20:10,440 --> 00:20:12,480 Speaker 2: I mean, we have a bonus daughter. But she's twelve, 410 00:20:12,520 --> 00:20:13,879 Speaker 2: and you know, a twelve year old girl is like 411 00:20:13,920 --> 00:20:15,560 Speaker 2: a it's like a forty year old man. 412 00:20:15,640 --> 00:20:19,800 Speaker 3: I mean she's you know, fully, she's like I mean 413 00:20:19,840 --> 00:20:22,320 Speaker 3: since she was eight. I mean, she didn't need you know, 414 00:20:22,400 --> 00:20:25,600 Speaker 3: she doesn't need much to make her own breakfasts mixed 415 00:20:26,440 --> 00:20:29,040 Speaker 3: and you know, we hang out, you know, staples like 416 00:20:29,080 --> 00:20:31,199 Speaker 3: I do. So it's not a heavy lift when she 417 00:20:31,200 --> 00:20:32,960 Speaker 3: gets when you get to that age, you know, Plus 418 00:20:32,960 --> 00:20:35,600 Speaker 3: her mom is awesome, so it's only fifty percent of 419 00:20:35,640 --> 00:20:39,960 Speaker 3: the responsibility. But how you know, how do you manage 420 00:20:39,960 --> 00:20:42,560 Speaker 3: with little ones and doing all that you're doing well. 421 00:20:42,600 --> 00:20:44,600 Speaker 5: I will just say this that I had the same 422 00:20:45,320 --> 00:20:48,760 Speaker 5: concerns and before I had kids, you know, I was like, 423 00:20:49,520 --> 00:20:52,520 Speaker 5: how do these people do it? It gets done okay? 424 00:20:52,720 --> 00:20:54,240 Speaker 5: But I think that you know, just I don't know 425 00:20:54,280 --> 00:20:56,960 Speaker 5: you that well, but I feel like I'm already understanding 426 00:20:56,960 --> 00:21:00,360 Speaker 5: that you have some really important kind of foundations in 427 00:21:00,400 --> 00:21:03,720 Speaker 5: your relationship, in your work, in your mindset too. It's 428 00:21:03,720 --> 00:21:05,840 Speaker 5: so important before you become a mom, a working mom, 429 00:21:05,920 --> 00:21:07,720 Speaker 5: that you have a few things like sort of quote 430 00:21:07,760 --> 00:21:10,120 Speaker 5: unquote figured out or at least you know that you're 431 00:21:10,160 --> 00:21:13,040 Speaker 5: aware of the needs. And one is that it sounds 432 00:21:13,040 --> 00:21:15,000 Speaker 5: like you have an amazing partner or superman. I mean 433 00:21:15,040 --> 00:21:18,480 Speaker 5: his name is Superman. I mean that's pretty that's pretty 434 00:21:18,480 --> 00:21:21,960 Speaker 5: self explanatory. So important. I don't know how single moms 435 00:21:22,000 --> 00:21:24,680 Speaker 5: do it. I think that if you were a single mom, 436 00:21:24,800 --> 00:21:28,400 Speaker 5: I would be beside myself. I'd say, I don't know 437 00:21:28,440 --> 00:21:31,080 Speaker 5: how you do it, because I know like in my life, yes, 438 00:21:31,119 --> 00:21:32,960 Speaker 5: I'm married to a great man and he helps me 439 00:21:33,280 --> 00:21:36,760 Speaker 5: and supports us. But it's also like having a nanny 440 00:21:36,800 --> 00:21:39,680 Speaker 5: and having friends who I can call and say, hey, 441 00:21:39,720 --> 00:21:41,560 Speaker 5: can I you know, can you watch my kid for 442 00:21:41,720 --> 00:21:44,600 Speaker 5: you know, the afternoon because I'm running late. So having 443 00:21:44,640 --> 00:21:47,600 Speaker 5: a support system is really important. Knowing who your people 444 00:21:47,640 --> 00:21:51,600 Speaker 5: are going to be is vital. So outside of even 445 00:21:51,640 --> 00:21:56,360 Speaker 5: just your nuclear family, you know, are there neighbors, relatives, friends, 446 00:21:56,440 --> 00:21:58,879 Speaker 5: You're gonna calling them all the time, but you'll be 447 00:21:59,280 --> 00:22:01,760 Speaker 5: really happy to be able to access and leverage them 448 00:22:01,880 --> 00:22:04,640 Speaker 5: in times of need. Having someone who can take care 449 00:22:04,680 --> 00:22:07,960 Speaker 5: of your child, like a nanny or a really great 450 00:22:08,040 --> 00:22:11,600 Speaker 5: daycare or preschool that you love and trust is really 451 00:22:11,640 --> 00:22:14,240 Speaker 5: important too. That's part of the how you do it, 452 00:22:15,480 --> 00:22:17,200 Speaker 5: and you might not get it right the first time, 453 00:22:17,280 --> 00:22:18,800 Speaker 5: you know. I know a lot of people who hire 454 00:22:19,040 --> 00:22:21,760 Speaker 5: caretakers and it doesn't work out, So that's okay. It's 455 00:22:21,800 --> 00:22:24,359 Speaker 5: just know that that's part of the process sometimes because 456 00:22:24,840 --> 00:22:26,959 Speaker 5: as a new parent, like sometimes you just don't know 457 00:22:26,960 --> 00:22:31,440 Speaker 5: what you need. And so the I guess the elephant 458 00:22:31,440 --> 00:22:33,199 Speaker 5: in the room here is that to be able to 459 00:22:33,200 --> 00:22:36,320 Speaker 5: have all these things, you need money. And I think 460 00:22:36,359 --> 00:22:41,040 Speaker 5: that it is much harder when you don't have savings 461 00:22:41,160 --> 00:22:43,880 Speaker 5: or steady income before you have kids. We know this, 462 00:22:44,040 --> 00:22:47,640 Speaker 5: but it's I wrote about this for Refinery twenty nine 463 00:22:48,000 --> 00:22:51,400 Speaker 5: that even in my twenties when I was far from 464 00:22:51,400 --> 00:22:54,520 Speaker 5: having kids. I had kids in my mid thirties. I 465 00:22:54,560 --> 00:22:57,760 Speaker 5: already could tell that having kids in New York City, 466 00:22:57,760 --> 00:23:01,360 Speaker 5: in particular at Tritate area, is expensive if you want 467 00:23:01,400 --> 00:23:03,600 Speaker 5: to continue working, Like it's kind of ironic, like you 468 00:23:03,640 --> 00:23:08,359 Speaker 5: have to be able to afford your You have to 469 00:23:08,440 --> 00:23:11,359 Speaker 5: work to be able to afford having kids, which is 470 00:23:11,960 --> 00:23:14,359 Speaker 5: you know, and you have to have to have a 471 00:23:14,400 --> 00:23:16,320 Speaker 5: good job and a good paying job to be able 472 00:23:16,359 --> 00:23:20,080 Speaker 5: to sometimes afford some of the basics. So making sure 473 00:23:20,080 --> 00:23:24,240 Speaker 5: that you're financially set up is vital and preparing for 474 00:23:24,320 --> 00:23:26,800 Speaker 5: things like childcare. But I think also what I'm sensing 475 00:23:26,800 --> 00:23:29,639 Speaker 5: from your question is like the management of it, you know, 476 00:23:29,680 --> 00:23:32,959 Speaker 5: because you're busy, you're running off, you're doing speeches, you're 477 00:23:33,000 --> 00:23:36,320 Speaker 5: traveling the country, you've got TV and like all your work. 478 00:23:36,840 --> 00:23:39,120 Speaker 5: But I think that one of the beauties that happens 479 00:23:39,119 --> 00:23:43,320 Speaker 5: when you have kids is that your framework completely changes. 480 00:23:43,359 --> 00:23:46,160 Speaker 5: But it's okay, it's what you've wanted. And I realized 481 00:23:46,160 --> 00:23:49,040 Speaker 5: that when I had kids, my first son, there were 482 00:23:49,160 --> 00:23:51,399 Speaker 5: limitations as far as what I could do, Like I 483 00:23:51,440 --> 00:23:55,119 Speaker 5: couldn't just drop and go to California, you know, because 484 00:23:55,119 --> 00:23:58,840 Speaker 5: some random television production company was calling, and maybe before 485 00:23:58,840 --> 00:24:01,000 Speaker 5: I had kids i'd be able to, but you know, 486 00:24:01,080 --> 00:24:04,120 Speaker 5: it was I had limitations. I started my podcast as 487 00:24:04,119 --> 00:24:06,760 Speaker 5: soon as I had a kid because of the benefits 488 00:24:06,840 --> 00:24:10,440 Speaker 5: of how that worked with my new life as a mom. 489 00:24:10,560 --> 00:24:13,439 Speaker 5: So a podcast I can do from home. It's something 490 00:24:13,480 --> 00:24:15,960 Speaker 5: that still allows me to connect to all the women 491 00:24:16,240 --> 00:24:17,760 Speaker 5: and all the men that I want to connect with. 492 00:24:18,000 --> 00:24:21,959 Speaker 5: It's monetizable, and it's like it doesn't require me to 493 00:24:21,960 --> 00:24:24,200 Speaker 5: like get dressed up, you know, and put on makeup. 494 00:24:24,560 --> 00:24:26,600 Speaker 5: You know, before I had kids, I was doing a 495 00:24:26,640 --> 00:24:29,560 Speaker 5: TV show and like a lot of videos which required 496 00:24:29,600 --> 00:24:32,359 Speaker 5: me a lot of time and also like getting ready 497 00:24:32,359 --> 00:24:34,719 Speaker 5: and all the whole makeup and hair thing. Like I 498 00:24:34,760 --> 00:24:36,760 Speaker 5: wanted to kind of tone that down, and I was 499 00:24:36,800 --> 00:24:39,560 Speaker 5: looking forward to it. And you know, you're not going 500 00:24:39,600 --> 00:24:41,240 Speaker 5: to be able to know everything that's going to happen. 501 00:24:41,240 --> 00:24:43,840 Speaker 5: But for somehow, like having kids makes you a lot 502 00:24:43,840 --> 00:24:46,080 Speaker 5: more decisive around what it is you want to do 503 00:24:46,119 --> 00:24:48,240 Speaker 5: and what is you can do. And here's the thing, 504 00:24:48,280 --> 00:24:52,280 Speaker 5: Like you've been working so hard all your career that 505 00:24:52,680 --> 00:24:54,760 Speaker 5: you have now arrived at a place where now that 506 00:24:54,800 --> 00:24:56,919 Speaker 5: you want to become a parent, you can afford to 507 00:24:56,960 --> 00:25:00,239 Speaker 5: say no to things, and then the ramifications are going 508 00:25:00,280 --> 00:25:02,880 Speaker 5: to be dire for you, right like you saying no 509 00:25:03,280 --> 00:25:07,400 Speaker 5: to certain things versus you saying no ten years ago 510 00:25:07,400 --> 00:25:11,760 Speaker 5: to those certain things, whole different consequence. You're not going 511 00:25:11,800 --> 00:25:13,879 Speaker 5: to want to say yes to everything. I wrote an 512 00:25:13,960 --> 00:25:17,120 Speaker 5: article for money one time that since becoming a mom, 513 00:25:17,160 --> 00:25:20,520 Speaker 5: my income doubled, and I think it's because I got really, 514 00:25:20,640 --> 00:25:23,720 Speaker 5: really acutely aware of the things that were important to me. 515 00:25:24,160 --> 00:25:27,320 Speaker 5: I got really clear on my framework and like how 516 00:25:28,040 --> 00:25:30,199 Speaker 5: I work, Like I don't go on business trips that 517 00:25:30,280 --> 00:25:33,120 Speaker 5: require me out of the house for two or three 518 00:25:33,160 --> 00:25:35,640 Speaker 5: more nights unless you know, I just got back from 519 00:25:35,720 --> 00:25:39,439 Speaker 5: LA for a week. That's a unique circumstance. But you know, 520 00:25:39,640 --> 00:25:43,080 Speaker 5: I used to just do things sometimes for free. Never again. 521 00:25:44,000 --> 00:25:45,320 Speaker 5: And if it's going to if they're gonna want me 522 00:25:45,359 --> 00:25:47,680 Speaker 5: to travel, then they have to, you know, make sure 523 00:25:47,720 --> 00:25:50,120 Speaker 5: that they get me back here within forty eight hours, 524 00:25:50,400 --> 00:25:53,919 Speaker 5: that the travel is accommodating, that that there's money involved. 525 00:25:53,920 --> 00:25:56,560 Speaker 5: I've become really good at negotiating asking for my worth 526 00:25:56,920 --> 00:26:00,960 Speaker 5: since I became a parent. And so say that I 527 00:26:00,960 --> 00:26:04,760 Speaker 5: think you're going to be fine. I think that you're 528 00:26:04,800 --> 00:26:06,439 Speaker 5: going to be more than fine. You know, you have 529 00:26:06,520 --> 00:26:10,679 Speaker 5: the support system, you have the income, you're driven, you 530 00:26:10,800 --> 00:26:12,800 Speaker 5: know who you are. You're gonna be a great role 531 00:26:12,840 --> 00:26:14,560 Speaker 5: model for your kids too, Like I can't wait for 532 00:26:14,600 --> 00:26:15,240 Speaker 5: you to be a parent. 533 00:26:15,920 --> 00:26:17,680 Speaker 3: What if I'm like I think about stuff like what 534 00:26:17,720 --> 00:26:19,680 Speaker 3: if I'm like, I don't want to do the budgetesta anywhere. 535 00:26:19,680 --> 00:26:21,240 Speaker 3: I mean, one of the things I did ahead of 536 00:26:21,280 --> 00:26:23,960 Speaker 3: time is that I started an online school for that 537 00:26:24,160 --> 00:26:27,160 Speaker 3: very same reason. And I was like, if I never 538 00:26:27,280 --> 00:26:29,960 Speaker 3: spoke again on the stage, what you know, what does 539 00:26:29,960 --> 00:26:32,840 Speaker 3: that look like? And so I said, well, I need 540 00:26:32,880 --> 00:26:35,240 Speaker 3: income to still come in. And so my online school 541 00:26:35,280 --> 00:26:39,680 Speaker 3: does really really well, and it's like it probably makes 542 00:26:39,720 --> 00:26:42,520 Speaker 3: about I want to say, like four or five times 543 00:26:42,560 --> 00:26:45,240 Speaker 3: what me speaking and books and stuff as the budget 544 00:26:45,240 --> 00:26:46,920 Speaker 3: needs to make so as far as. 545 00:26:46,800 --> 00:26:47,840 Speaker 2: It can come, you know. 546 00:26:48,000 --> 00:26:49,800 Speaker 3: The only thing is like it's like I have people 547 00:26:49,840 --> 00:26:52,320 Speaker 3: that are hired via the Budgetista, but even then we 548 00:26:52,400 --> 00:26:55,000 Speaker 3: have some ideas in place of like how the BUDGETIESSA 549 00:26:55,040 --> 00:26:57,880 Speaker 3: can make money without the budgetisa me. You know, yeah, 550 00:26:58,040 --> 00:26:59,800 Speaker 3: so it can you know, keep that business running. So 551 00:26:59,880 --> 00:27:02,760 Speaker 3: I'm not worried so much about the financial component, I 552 00:27:02,760 --> 00:27:06,120 Speaker 3: guess more so, like you know, just it's a lot emotionally. 553 00:27:06,280 --> 00:27:09,000 Speaker 3: I mean when I babysit my I used to ask 554 00:27:09,000 --> 00:27:11,960 Speaker 3: my sister, like, hey, you know you didn't reply to 555 00:27:12,000 --> 00:27:14,119 Speaker 3: my tax or did you get that email I sent you? 556 00:27:14,240 --> 00:27:15,919 Speaker 3: And she'd be like, girl, the kids are up, And 557 00:27:15,960 --> 00:27:18,760 Speaker 3: I'm like, what does that mean? Until I babysat and 558 00:27:18,800 --> 00:27:20,720 Speaker 3: I was like, how do you even go to the bathroom? 559 00:27:23,560 --> 00:27:26,560 Speaker 5: Well, she does it sometimes and sometimes it's Thursday and 560 00:27:26,600 --> 00:27:29,600 Speaker 5: she realized she hasn't taken a shower since Monday. And 561 00:27:29,760 --> 00:27:32,159 Speaker 5: I think it's important for parents to be a lot 562 00:27:32,280 --> 00:27:35,320 Speaker 5: more transparent about the realities of raising a kid. So, 563 00:27:36,119 --> 00:27:39,000 Speaker 5: you know, my in starting sax House, I'm the only 564 00:27:39,040 --> 00:27:43,920 Speaker 5: mom in the company, and you know, I don't want 565 00:27:43,920 --> 00:27:46,159 Speaker 5: to always like use my family as an excuse, but 566 00:27:46,200 --> 00:27:49,480 Speaker 5: the reality is is like I can't do four hour 567 00:27:49,520 --> 00:27:52,280 Speaker 5: meetings on the weekends. Sorry, ladies, you know, like my 568 00:27:52,320 --> 00:27:55,359 Speaker 5: life is just not there. I can't and maybe I could, 569 00:27:55,680 --> 00:27:58,639 Speaker 5: but I don't want to. I don't want to be 570 00:27:58,760 --> 00:28:00,960 Speaker 5: that kind of parent that's away from her family on 571 00:28:00,960 --> 00:28:03,240 Speaker 5: the weekends for four hours. If I can, if there's 572 00:28:03,240 --> 00:28:05,040 Speaker 5: another way to do it, let's do it. So I'm 573 00:28:05,080 --> 00:28:07,560 Speaker 5: really vocal about the fact that, you know, as a mom, 574 00:28:08,119 --> 00:28:10,800 Speaker 5: there's just some non negotiables for me, like I'm going 575 00:28:10,880 --> 00:28:12,480 Speaker 5: to give you all this time, but then I need 576 00:28:12,520 --> 00:28:14,520 Speaker 5: other times to do to be a mom, you know, 577 00:28:14,560 --> 00:28:17,080 Speaker 5: and to be with my family. And I'm not apologetic 578 00:28:17,119 --> 00:28:19,280 Speaker 5: about that. And I think that, you know, there's that 579 00:28:19,400 --> 00:28:22,120 Speaker 5: saying where we want women to work like they don't 580 00:28:22,160 --> 00:28:23,800 Speaker 5: have a family, and have a family like they don't 581 00:28:23,840 --> 00:28:26,440 Speaker 5: have work, And I think that that needs to stop. 582 00:28:26,680 --> 00:28:28,679 Speaker 5: And I think people used to be afraid, like I 583 00:28:28,760 --> 00:28:30,919 Speaker 5: used to be a little bit more timid about being 584 00:28:30,960 --> 00:28:32,960 Speaker 5: saying like, well, I can't you know, I've to be 585 00:28:33,040 --> 00:28:36,040 Speaker 5: home by five because my nanny leaves then. And now 586 00:28:36,040 --> 00:28:38,360 Speaker 5: I'm just like sorry, five o'clock is my witching hour. 587 00:28:38,680 --> 00:28:40,440 Speaker 5: It's when my nanny leaves and I have to be 588 00:28:40,440 --> 00:28:42,880 Speaker 5: at home and I'm literally out of commission for at 589 00:28:42,960 --> 00:28:44,920 Speaker 5: least half an hour because my kids are climbing my 590 00:28:45,000 --> 00:28:48,080 Speaker 5: body for thirty minutes. And that's just the reality. Like 591 00:28:48,120 --> 00:28:50,400 Speaker 5: I don't know, I'm not going to dance around it. 592 00:28:50,480 --> 00:28:53,040 Speaker 5: That's just it is what it is. And I'm so 593 00:28:53,160 --> 00:28:55,600 Speaker 5: I feel so fortunate to be able to have that life. 594 00:28:55,720 --> 00:28:57,640 Speaker 3: I get to bring that to the women that work 595 00:28:57,680 --> 00:28:59,480 Speaker 3: with me. It's largely I would say it's we're like 596 00:28:59,560 --> 00:29:03,440 Speaker 3: ninety women, and of the women, I would say, you know, 597 00:29:03,480 --> 00:29:06,920 Speaker 3: more than half our moms, and of those moms, more 598 00:29:07,000 --> 00:29:10,280 Speaker 3: than you know sixty percent of those moms are our 599 00:29:10,320 --> 00:29:11,120 Speaker 3: mothers of young. 600 00:29:11,040 --> 00:29:14,840 Speaker 2: Children, like you know, one, two, three, four, And so we. 601 00:29:14,760 --> 00:29:18,280 Speaker 3: Make it I really make it a point to make 602 00:29:18,320 --> 00:29:21,240 Speaker 3: the environment in that because we all work digitally, that 603 00:29:21,600 --> 00:29:24,520 Speaker 3: they set their own schedule. There is no you know, 604 00:29:24,600 --> 00:29:26,920 Speaker 3: like your family comes first, second and third. If we're 605 00:29:26,960 --> 00:29:30,920 Speaker 3: having like my my CFO, Rachel, she's amazing, She's got 606 00:29:30,960 --> 00:29:34,400 Speaker 3: a Manny. I think her son is three or four 607 00:29:34,480 --> 00:29:37,200 Speaker 3: and amani her daughter is like one or two. And 608 00:29:37,240 --> 00:29:39,760 Speaker 3: so sometimes you know, Rachel is like diving deep into 609 00:29:39,800 --> 00:29:42,440 Speaker 3: the numbers and Manny is like on the video chat 610 00:29:42,520 --> 00:29:45,120 Speaker 3: like hey miss seven a, you know, just like chilling, 611 00:29:45,280 --> 00:29:49,240 Speaker 3: and I'm like bring him, you know, because I want you, 612 00:29:49,360 --> 00:29:51,760 Speaker 3: like you shouldn't hide that part of yourself, your mom 613 00:29:52,120 --> 00:29:55,240 Speaker 3: and your mom who's just a killer CFO. But you're 614 00:29:55,280 --> 00:29:55,840 Speaker 3: still a mom. 615 00:29:55,880 --> 00:29:58,360 Speaker 2: And sometimes we have meetings and she's like you might 616 00:29:58,400 --> 00:29:59,880 Speaker 2: hear the kids. We're at the park. I'm pushing them 617 00:29:59,880 --> 00:30:02,640 Speaker 2: on the swing and I'm like, look, that's fine by me. 618 00:30:02,800 --> 00:30:05,480 Speaker 3: I mean they you know, It's just I wish more 619 00:30:05,600 --> 00:30:07,720 Speaker 3: there was more of an environment of that. The great 620 00:30:07,720 --> 00:30:10,000 Speaker 3: thing is I do have a really great support system. 621 00:30:10,200 --> 00:30:13,800 Speaker 3: My husband is awesome, and my team they're all they 622 00:30:13,840 --> 00:30:15,479 Speaker 3: all know that I'm working on having a kid, and 623 00:30:15,760 --> 00:30:18,000 Speaker 3: like I said, they have been awesome of like what 624 00:30:18,040 --> 00:30:21,720 Speaker 3: can we do that? They literally have like operation Tiffany's baby, 625 00:30:22,040 --> 00:30:25,840 Speaker 3: you know, and so they're like, you know, so I'm fortunate. 626 00:30:25,920 --> 00:30:27,719 Speaker 3: But it's like, yeah, So I guess it's more so 627 00:30:27,800 --> 00:30:30,520 Speaker 3: the nerves of like I'm one of five girls. 628 00:30:30,560 --> 00:30:31,920 Speaker 2: I don't know how my mother did it, one of 629 00:30:32,000 --> 00:30:32,640 Speaker 2: five girls. 630 00:30:33,640 --> 00:30:34,760 Speaker 5: Any of our mothers do it? 631 00:30:34,920 --> 00:30:37,680 Speaker 3: Honestly, I don't know. I'm like, so you went to school, 632 00:30:38,160 --> 00:30:41,040 Speaker 3: you worked, you raised them. I just I just don't. 633 00:30:41,440 --> 00:30:43,160 Speaker 3: I could barely take care of myself, I feel like 634 00:30:43,200 --> 00:30:46,080 Speaker 3: half the time. So I guess it's just a nervousness 635 00:30:46,080 --> 00:30:49,440 Speaker 3: of the emotional component of how to manage. Because, for example, 636 00:30:49,480 --> 00:30:52,160 Speaker 3: my publicist Drina, she's got a young son, and I 637 00:30:52,160 --> 00:30:54,600 Speaker 3: remember the first year or two which she would travel 638 00:30:54,640 --> 00:30:56,160 Speaker 3: with me to say if I was like shooting something 639 00:30:56,200 --> 00:30:58,440 Speaker 3: in La and she would travel with me she'd be 640 00:30:58,480 --> 00:31:01,040 Speaker 3: at the airport in hysteria, you know, and I'm like, 641 00:31:01,040 --> 00:31:01,560 Speaker 3: what happens. 642 00:31:01,600 --> 00:31:05,320 Speaker 2: She's like, I love the baby, and I'm like, oh, 643 00:31:05,520 --> 00:31:07,120 Speaker 2: I was like it was so hard. 644 00:31:07,160 --> 00:31:09,200 Speaker 3: I mean, it's not as hard now, but it's still 645 00:31:09,240 --> 00:31:11,640 Speaker 3: really hard for her to travel and leave. So I 646 00:31:11,680 --> 00:31:13,640 Speaker 3: guess that's just a component. I guess she just never 647 00:31:13,720 --> 00:31:16,560 Speaker 3: quite get over that. And like you said, making sure 648 00:31:16,600 --> 00:31:20,440 Speaker 3: that when you do work that you're not gone as 649 00:31:20,480 --> 00:31:22,880 Speaker 3: long you know, well well, and I would. 650 00:31:22,760 --> 00:31:26,880 Speaker 5: Just say, you know, there's this real push in our 651 00:31:26,920 --> 00:31:29,440 Speaker 5: society to get women back to work sooner than later, 652 00:31:29,480 --> 00:31:31,120 Speaker 5: and women, I think we also have that pressure on 653 00:31:31,160 --> 00:31:32,920 Speaker 5: it ourselves, like I don't want to miss out. I 654 00:31:33,000 --> 00:31:36,160 Speaker 5: need to go back to work, but to really if 655 00:31:36,160 --> 00:31:38,320 Speaker 5: there's one advice I would give you, is like after 656 00:31:38,360 --> 00:31:42,160 Speaker 5: you have your baby, to just give yourself permission to 657 00:31:43,000 --> 00:31:45,200 Speaker 5: feel however you want to feel, and to act however 658 00:31:45,240 --> 00:31:46,680 Speaker 5: you want to act, and not to feel like you 659 00:31:46,720 --> 00:31:48,760 Speaker 5: have to follow a script or some sort of timeline 660 00:31:48,760 --> 00:31:50,880 Speaker 5: to get back to work really quickly, Like your body 661 00:31:51,280 --> 00:31:55,000 Speaker 5: needs to heal, your mind needs to get refocused. Some 662 00:31:55,040 --> 00:31:59,200 Speaker 5: people call it like the fifth the fourth tri master. 663 00:32:00,120 --> 00:32:02,959 Speaker 5: You know where you've had your baby, but you're still 664 00:32:03,040 --> 00:32:05,400 Speaker 5: you know, you're not a hundred, you're not yourself again. 665 00:32:05,520 --> 00:32:08,400 Speaker 5: You know yet you're a different person. You're a different person. 666 00:32:08,680 --> 00:32:11,360 Speaker 5: You're not a lesser person or or you know, you're 667 00:32:11,400 --> 00:32:14,160 Speaker 5: just different. And so people sometimes don't give us the 668 00:32:15,760 --> 00:32:20,000 Speaker 5: required sort of space and attention and support in those 669 00:32:20,080 --> 00:32:24,480 Speaker 5: vital you know, months following birth, I member my doctor. 670 00:32:24,920 --> 00:32:26,800 Speaker 5: She said to me, I don't want your I want 671 00:32:26,840 --> 00:32:28,720 Speaker 5: you to have your feet up for at least a week. 672 00:32:28,760 --> 00:32:30,920 Speaker 5: I don't want you like and I couldn't help myself. 673 00:32:30,920 --> 00:32:32,680 Speaker 5: I wanted to clean, I wanted to, like hold the 674 00:32:32,680 --> 00:32:36,760 Speaker 5: baby a lot, I wanted to walk around. And that's 675 00:32:36,920 --> 00:32:39,400 Speaker 5: you know, everyone's going to be different. But if you're 676 00:32:39,400 --> 00:32:43,200 Speaker 5: feeling like you need to slow down, slow it down, 677 00:32:43,400 --> 00:32:45,440 Speaker 5: you know you've earned it for new. 678 00:32:45,280 --> 00:32:47,200 Speaker 4: So I have to ask you about this one piece, 679 00:32:47,200 --> 00:32:49,080 Speaker 4: this one piece of advice you gave in that in 680 00:32:49,160 --> 00:32:52,120 Speaker 4: that story, which resonated with me and all. Since I'm 681 00:32:52,120 --> 00:32:53,680 Speaker 4: talking about it so much, I'll post a link to 682 00:32:53,720 --> 00:32:57,120 Speaker 4: that Refinery twenty nine column because it was so excellent. So. 683 00:32:57,200 --> 00:32:59,880 Speaker 4: I have a girlfriend who decided after having a child 684 00:33:00,160 --> 00:33:02,720 Speaker 4: that the job she was at she was unhappy before 685 00:33:02,720 --> 00:33:04,680 Speaker 4: she had the kid, and something about having a kid 686 00:33:04,760 --> 00:33:07,120 Speaker 4: as an option to hang out with versus being at 687 00:33:07,120 --> 00:33:08,880 Speaker 4: a job you hate just pushed her over the edge. 688 00:33:08,880 --> 00:33:11,840 Speaker 4: And she actually ends up believing that job and took 689 00:33:11,880 --> 00:33:15,240 Speaker 4: several months off and then started at home consultancy business. 690 00:33:15,600 --> 00:33:18,040 Speaker 4: And then you're in that post and you talk about 691 00:33:18,400 --> 00:33:21,240 Speaker 4: when if you decide to leave the workforce, you really 692 00:33:21,320 --> 00:33:23,560 Speaker 4: encourage and I don't want to put words in your mouth, 693 00:33:23,600 --> 00:33:26,680 Speaker 4: so correct me if I'm wrong or misinterpreting, but encourage 694 00:33:26,680 --> 00:33:29,840 Speaker 4: women to get back, like take time off. He'll be 695 00:33:29,920 --> 00:33:32,200 Speaker 4: with your family, but get back to being in the 696 00:33:32,240 --> 00:33:35,000 Speaker 4: workforce or at least in some way or shape, one form, 697 00:33:35,080 --> 00:33:39,200 Speaker 4: shape or another, earning wealth for yourself. Can you talk 698 00:33:39,240 --> 00:33:39,640 Speaker 4: about that? 699 00:33:40,520 --> 00:33:44,160 Speaker 5: Yeah, I think that the foundation of that is just 700 00:33:44,160 --> 00:33:46,880 Speaker 5: that I want women to be financially independent, right, So 701 00:33:47,400 --> 00:33:50,120 Speaker 5: you know this idea that I'm just never going to 702 00:33:50,200 --> 00:33:53,400 Speaker 5: work again, that really frightens me, truly. I mean, unless 703 00:33:53,440 --> 00:33:55,720 Speaker 5: you have wealth coming in from an inheritance or just 704 00:33:55,720 --> 00:33:57,760 Speaker 5: you were independently wealthy, or you just saved a whole 705 00:33:57,800 --> 00:34:00,320 Speaker 5: ton of money before you had a kid, and I 706 00:34:00,360 --> 00:34:03,480 Speaker 5: do if I just you know, at the core of 707 00:34:03,880 --> 00:34:06,520 Speaker 5: everything that I talk about and teach and feel about 708 00:34:06,560 --> 00:34:08,759 Speaker 5: women in finance. Is just that women need their own 709 00:34:08,800 --> 00:34:11,440 Speaker 5: financial independence. And I know that after you have a 710 00:34:11,520 --> 00:34:13,960 Speaker 5: kid and your you know, mom and all, you know, 711 00:34:14,080 --> 00:34:16,400 Speaker 5: it's not possible to always be in the workforce, but 712 00:34:16,480 --> 00:34:20,000 Speaker 5: to always have part of your brain thinking about your 713 00:34:20,000 --> 00:34:23,400 Speaker 5: re entry. And it may not look like the career 714 00:34:23,440 --> 00:34:27,080 Speaker 5: you had before having children, and it doesn't mean it 715 00:34:27,120 --> 00:34:30,839 Speaker 5: has to. But thinking about your own financial solvency as 716 00:34:30,880 --> 00:34:33,200 Speaker 5: a woman who now happens to also be a mother 717 00:34:33,840 --> 00:34:38,920 Speaker 5: is worth thinking about and is worth strategizing around. And 718 00:34:39,600 --> 00:34:41,839 Speaker 5: for everyone's gonna happen at a different pace. So I'm 719 00:34:41,840 --> 00:34:44,120 Speaker 5: not saying like it has to happen right away, but 720 00:34:44,480 --> 00:34:47,560 Speaker 5: it is. I don't want that part of them, that thinking, 721 00:34:47,640 --> 00:34:50,360 Speaker 5: that that sort of strategizing in your head to go away, 722 00:34:51,239 --> 00:34:53,319 Speaker 5: because I think that it happens for a lot of 723 00:34:53,360 --> 00:34:56,000 Speaker 5: mothers and dads too for that matter. A lot of 724 00:34:56,120 --> 00:35:00,120 Speaker 5: more fathers are becoming stay at home parents, and you know, well, 725 00:35:00,239 --> 00:35:07,120 Speaker 5: I have some pretty I guess, maybe controversial perspectives on 726 00:35:07,200 --> 00:35:10,759 Speaker 5: stay at home parenting. I think it just stems from, like, 727 00:35:10,840 --> 00:35:13,880 Speaker 5: I just want everyone to have financial peace and independence, 728 00:35:13,920 --> 00:35:16,240 Speaker 5: and you can't have it if you're not making any money, 729 00:35:16,280 --> 00:35:18,319 Speaker 5: and I don't want kids to be an interruption to that. 730 00:35:18,440 --> 00:35:20,839 Speaker 5: I think that kids are going to be sort of 731 00:35:20,920 --> 00:35:24,200 Speaker 5: in some ways like a shift in your path and 732 00:35:24,280 --> 00:35:27,160 Speaker 5: a good one. But like to always, I just, I just, 733 00:35:27,280 --> 00:35:29,319 Speaker 5: I just guess it comes from a place of advocacy 734 00:35:29,360 --> 00:35:31,120 Speaker 5: for women. You know, I really want them to think 735 00:35:31,160 --> 00:35:33,239 Speaker 5: about how they can continue to make money. 736 00:35:33,480 --> 00:35:35,239 Speaker 4: Yeah, that makes a lot of sense. And just to 737 00:35:35,280 --> 00:35:38,200 Speaker 4: close that story out, I'm so proud of her because 738 00:35:38,280 --> 00:35:40,879 Speaker 4: you know, she's had two kids since leaving her job. Well, 739 00:35:40,880 --> 00:35:42,120 Speaker 4: she had the one kid and then had a second 740 00:35:42,200 --> 00:35:45,359 Speaker 4: kid in December, and recently, they know, she started her 741 00:35:45,400 --> 00:35:48,799 Speaker 4: at home business and her previous employer called her up 742 00:35:48,840 --> 00:35:51,840 Speaker 4: because they were looking to fill a position. They actually 743 00:35:51,880 --> 00:35:53,480 Speaker 4: let go of the manager that was making it really 744 00:35:53,480 --> 00:35:55,719 Speaker 4: difficult for my friend to work there, and they just 745 00:35:55,800 --> 00:35:58,759 Speaker 4: hired her back. And she negotiated her a promotion and 746 00:35:58,800 --> 00:36:02,160 Speaker 4: a big fat raise and all the things that sort 747 00:36:02,200 --> 00:36:05,200 Speaker 4: of frustrated her about the job before, you know, no 748 00:36:05,400 --> 00:36:08,320 Speaker 4: telecommuting privileges, that kind of thing. She was able to 749 00:36:09,040 --> 00:36:13,160 Speaker 4: get that flexibility when they rehired her. So I'm super proud, 750 00:36:13,200 --> 00:36:15,120 Speaker 4: amazing and like she did it her own way. 751 00:36:15,280 --> 00:36:18,480 Speaker 5: I've heard a lot of anecdotal anecdotal feedback that like 752 00:36:18,560 --> 00:36:23,560 Speaker 5: employers love hiring mothers because they get they get it 753 00:36:23,600 --> 00:36:24,080 Speaker 5: done well. 754 00:36:24,120 --> 00:36:26,440 Speaker 4: We could talk to you all day. We're so grateful 755 00:36:26,520 --> 00:36:27,839 Speaker 4: to have you on the show for our new things, 756 00:36:27,880 --> 00:36:28,520 Speaker 4: for joining Usank 757 00:36:28,520 --> 00:36:31,319 Speaker 5: You so much and I'll come back any time.