Speaker 1: How's things.
Speaker 2: Things are good? Finally things are starting to look like, yes,
Speaker 2: I can see the end, decide it wasn't crazy today.
Speaker 2: So yeah, like I mean, there's still like a lot
Speaker 2: to do, but it's like a reasonable lot, not like
Speaker 2: a girl how a lot.
Speaker 1: You know You're over the mountain top.
Speaker 2: Yes, definitely, because I'm like, oh god, We've gotten all
Speaker 2: the super hard stuff out of the way. Now it's
Speaker 2: just like basic my normal. Like okay, like I was
Speaker 2: telling my sister, there's always a level of stress, you
Speaker 2: know how it is when you when you manage people,
Speaker 2: you run a company or whatever, that there's always a
Speaker 2: level of stress that you expect and I've learned to
Speaker 2: deal with it. But then there's times when and it's like, okay,
Speaker 2: this is not the normal. Like usually five things are broken,
Speaker 2: but today ten or fifteen are broken. Okay, that's another
Speaker 2: level you know. Yeah. Yeah, so that like I knew
Speaker 2: I was having our new things where I had gotten
Speaker 2: good when like yesterday literally the Literature Academy site went
Speaker 2: down and all I could take the class and I
Speaker 2: was like, okay, I was like it was just some
Speaker 2: little like you have to switch to, like I don't
Speaker 2: know there's like this new certificate that websites have to
Speaker 2: have now and whatever. So I forgot to switch over.
Speaker 2: So I suspected that that's what it was. So I
Speaker 2: just called go Daddy and they were like, oh, yeah,
Speaker 2: you have to switch over. And it was like an
Speaker 2: hour and then it was back up. But they were
Speaker 2: freaking out, like the team was like, oh my god,
Speaker 2: everybody's emailing us. I was like, I was like, this
Speaker 2: is nothing. It's only one thing broken today. I can
Speaker 2: handle that.
Speaker 1: That's the worst when you know exactly what's wrong but
Speaker 1: everyone else doesn't know that you know yet and they're
Speaker 1: all telling you.
Speaker 2: Oh, but I mean I suspected. I didn't know for sure,
Speaker 2: but I was like, I think that's what it is.
Speaker 2: So I was like, you know, let's hope. And basically
Speaker 2: I just to wait hour to see. Let's hope that that,
Speaker 2: you know, my guess was right, and it was, so
Speaker 2: I was like oo. But even then, honestly, I said, well,
Speaker 2: the thing about websites is somebody knows the answer. So
Speaker 2: I mean, it's just a matter of we have to
Speaker 2: keep calling it till the right tech person gets on
Speaker 2: the phone.
Speaker 1: Yeah, it's really frustrating if you are running an operation
Speaker 1: and relying on third party services. Like I think we've
Speaker 1: all been there when like Gmail goes down, or like
Speaker 1: two weeks ago Google Docs went down, and I was like, so,
Speaker 1: I guess we're just not going to be doing any
Speaker 1: work because this is where I'm like a so reliant
Speaker 1: on Google Docs for everything. We just started. So I
Speaker 1: manage over forty freelance writers as part of freelance writers
Speaker 1: and like video producers mostly writers as part of my job,
Speaker 1: and we just got on this news system this like
Speaker 1: very sleek sort of start up feeling, although I didn't
Speaker 1: realize it was really a startup when we when we
Speaker 1: approved it new system for like managing people, and it's
Speaker 1: supposed to be great because you can pay people all
Speaker 1: in one place and people get paid faster and fast
Speaker 1: paid writers or happy writers and blah blah blah blah blah.
Speaker 1: And then it was really being pushed by like another
Speaker 1: person in our company. So when we were acquired in
Speaker 1: the summer, he was like, yeah, you know, this is
Speaker 1: a great opportunity. I've been trying to get them to
Speaker 1: use this new system. Sounded good to me. I made
Speaker 1: the dumb assumption that he had done a lot of
Speaker 1: like testing of it, and we had a couple of
Speaker 1: like you know, preview calls where you share your screen
Speaker 1: and you see how it's going to work, and it
Speaker 1: all looked great. But Jesus, I feel like I have
Speaker 1: been sold a Lemon car, Like it looks good on
Speaker 1: the outside, but there are so many bugs. And I'm
Speaker 1: realizing that with forty freelancers and one hundred and twenty
Speaker 1: assignments a month and all these like demands for content
Speaker 1: that we have, this we're being like guinea pigs for
Speaker 1: this company. And I am like constantly emailing them for
Speaker 1: bug issues and like emailing their customer support. It is
Speaker 1: it is like approaching I mean at first, I was like, okay,
Speaker 1: deep breaths. I was really like doing a good job,
Speaker 1: you know, like you said, handling, like when things don't
Speaker 1: go wrong. I was trying to like be calm. But
Speaker 1: I'm really approaching my breaking point. I'm like, I need
Speaker 1: this ship to work.
Speaker 2: No, no, there's nothing work, And You're right, I forgot.
Speaker 2: We did just start. Hey, it's not an ambition, it's
Speaker 2: Sidney and Mandy blah blah blah. No. But the worst,
Speaker 2: my worst, the worst email you can get from customer support.
Speaker 2: Is it worked for me? Yo? I want to throw
Speaker 2: my computer, like when you know you have you ever
Speaker 2: gotten that email?
Speaker 3: Cannot replicate the issue, And they're basically like okay, bye,
Speaker 3: and you're like.
Speaker 1: I worked for you, but you're a useless person and
Speaker 1: you're not doing your job, and can you replicate this
Speaker 1: middle finger emoji that I'm trying to myself from sending
Speaker 1: to you.
Speaker 2: I remember one it was like, so, so the platform
Speaker 2: that we use is called for I have an online school,
Speaker 2: the Literature Academy, and we use this platform called think Gippi.
Speaker 2: But before that, we used another platform called Kajabi, which
Speaker 2: was supposed to be like the Raw Royals rolls worths
Speaker 2: of like online education platform. So basically it's the platform
Speaker 2: that you build your school on. You can customize it,
Speaker 2: blah blah blah. So I invested in Kujabi built our school.
Speaker 2: We were using it in a unique kind of way
Speaker 2: because I didn't realize that, like, because there's still not
Speaker 2: very many platforms where you could build like your online school,
Speaker 2: and most of those platforms assumed that you were selling
Speaker 2: a one off course, like here's a six week course,
Speaker 2: We're done. But that's not how we were using it.
Speaker 2: We were using it like you pay a monthly access
Speaker 2: fee and you have access to all courses past, president future,
Speaker 2: and so you know. So we were having some issues,
Speaker 2: but you know, we were trying to work through them,
Speaker 2: and we were kind of like you know, masking taping
Speaker 2: solutions together. And then something broke and we emailed them
Speaker 2: to try to fix it, and emailed and emailed, and
Speaker 2: at one point a month before, because the Academy was
Speaker 2: growing so quickly, they had actually done a profile on
Speaker 2: me for their blog, like hey, here's a shining example
Speaker 2: of how someone can grow a great business on our
Speaker 2: on our website. But then after a while they just
Speaker 2: stopped responding. It was basically like the thing that you're
Speaker 2: complaining about, it's fixed. And I'm like, but it's not.
Speaker 2: I mean, I don't know what I don't it's not fixed.
Speaker 1: Sorry thee I was like, it's not fixed.
Speaker 2: And so for months and then somehow we hunted down
Speaker 2: the founders on Facebook and found their personal Facebook page
Speaker 2: and messaged them like, hey, you profiled me on your site.
Speaker 2: This is we're having this issue. It's not fixed. So
Speaker 2: we heard nothing. So finally I just made the switch
Speaker 2: over to Think if It where we are now, we're
Speaker 2: very happy. That same day we made the switch, the
Speaker 2: founder of that website Think If It actually reached out.
Speaker 2: We actually had a great conversation on the phone, and
Speaker 2: the customer support has just been amazing. And then maybe
Speaker 2: the day that the final switch was being made. It
Speaker 2: was not cheap because we had to switch over and
Speaker 2: port over all of our students. Then the Kajabi people
Speaker 2: finally reached back out and they were like, oh my gosh, Tiffany,
Speaker 2: we'd love to jump on the phone with you. I'm
Speaker 2: so sorry what happened. And I was like, girl, it's
Speaker 2: too late, you know, like and it was so out
Speaker 2: of business what I mean, Mandy. They were so embarrassed,
Speaker 2: like we actually had a video chat and their faces
Speaker 2: were like, I said, here's the issue. I said, I
Speaker 2: can't come back even if I wanted to, because we
Speaker 2: already paid the money to switch over. Like I you know,
Speaker 2: at that time, we had about three thousand students. I'm like,
Speaker 2: literally the money has been spent. Today's the last day,
Speaker 2: Like there's nothing. They're just like cause, you know, please
Speaker 2: don't go. I said, here's what disturbed me that I emailed,
Speaker 2: I emailed, I Facebook, I tried to stay and and nothing.
Speaker 2: The customer support was non existent. And now that after
Speaker 2: months of trying, we're making our switch. Now I don't know,
Speaker 2: maybe you did a Google search. You said, hey, this
Speaker 2: is a good, viable business. I just don't like. To me,
Speaker 2: it's like, well, you should treat people right, to treat
Speaker 2: people right, And they were so sheepish, and even to
Speaker 2: this day, they still email me every once in a
Speaker 2: while like if you ever want to come back, why
Speaker 2: would I want to come back? You know, like it's
Speaker 2: just really bad business. And I just remember thinking like
Speaker 2: a customer support But it was a good lesson because
Speaker 2: our customer support, Like I really train my customer support
Speaker 2: staff that you're not finished unless the person says yes,
Speaker 2: like you know, everything has been answered, I'm good to go.
Speaker 2: I said, if you email someone and they email you
Speaker 2: back that they don't get it or they don't understand,
Speaker 2: you have one more email before you sugge. I bought
Speaker 2: like a special conference call line. Then you say, would
Speaker 2: you like to jump on a call because sometimes things
Speaker 2: get lost and you know when you're writing, and so no,
Speaker 2: like we do. I believe in super serving I never
Speaker 2: want to feel how could Jabe made me feel? I
Speaker 2: never want, like the dream builders or dream coctors to
Speaker 2: feel bad.
Speaker 1: Could job you did us wrong? I know they're like, yikes,
Speaker 1: not again, you're naming names. I'm not going, I still
Speaker 1: have to use this system. I'm like, I don't care,
Speaker 1: but it's frustrating. Yeah, the tools that because we rely
Speaker 1: on tools and they can be super helpful. But I
Speaker 1: know people out there nodding their heads like, yes, I had,
Speaker 1: and it's always you know, my my my issue is
Speaker 1: like they're in different time zones and anyway, anyway, anyway,
Speaker 1: the holidays are right around the corner. She's maybe adding
Speaker 1: the teens's bit of anxiety to my to my situation
Speaker 1: just because like I'm leaving. I'm going to spend a
Speaker 1: couple of days with my mom's family in Minneapolis. So
Speaker 1: I leave the end of this week, so Thursday Friday,
Speaker 1: I'll be gone, and I'm just it's just like you know,
Speaker 1: trying to tick off the stuff on my to do
Speaker 1: list before I go. I'll probably end up staying super
Speaker 1: late at work tomorrow just so I can get stuff
Speaker 1: done because I'm I don't like working when I'm supposed
Speaker 1: to be off. It makes me I just not that.
Speaker 1: I don't mean, of course, no one likes to work
Speaker 1: when they when they take time off, but you know
Speaker 1: those some people who are like, oh, it's okay, you know,
Speaker 1: I'm gonna take time off, but I'll be approachable online
Speaker 1: and whatever. Like, I don't like the way I feel
Speaker 1: when i'm you know, at my mom's house and she's
Speaker 1: you know, like wanting me to hang out and I'm
Speaker 1: like at the computer. I don't want it to be
Speaker 1: that way. So I'd rather just like do the work,
Speaker 1: work my ass off before. But I did finally do
Speaker 1: some shopping this weekend, left it really to the last minute.
Speaker 1: I went to the m word the mall. Does anyone
Speaker 1: go there anymore?
Speaker 2: I went once and I was like, where am I?
Speaker 2: It's a virtual It was like it was like a
Speaker 2: different world. Where'd you go when you went to the mall?
Speaker 1: So there's a mall near me in Jersey City called
Speaker 1: Newport Mall. And I looked online Friday night because I'm
Speaker 1: an old lady and do nothing on Friday nights anymore
Speaker 1: except for planning my shopping the next day. And I
Speaker 1: saw that there have special opening hours from eight am
Speaker 1: for the holiday season, and I was like, yes, I'm
Speaker 1: going to get up at the crack of dawn, which
Speaker 1: I ended up not getting up that early, but I
Speaker 1: got there by nine and I was like, I'm going
Speaker 1: to beat these crowds. And I just went from like
Speaker 1: all I went to Sephora. Man, there is no greater
Speaker 1: pleasure in life, I think than just being the only
Speaker 1: person in a Sephora store, no one to fight over samples,
Speaker 1: for all the people there wanting to help you, Like
Speaker 1: I felt like a princess. I'm like, yes, I'd like
Speaker 1: to see this and that, and I'll have this, and
Speaker 1: sure could have a sample of that. It was great.
Speaker 2: I felt no one's really shopping because I had gone
Speaker 2: to the mall with my sister and it was a
Speaker 2: sun It wasn't like, oh my goodness, it was a
Speaker 2: Tuesday at noon. It was last Sunday. And I was
Speaker 2: actually really surprised, like, huh, there it was. It wasn't
Speaker 2: it wasn't no one, but it wasn't packed like I expected.
Speaker 1: You know, it's not like the old days because everyone
Speaker 1: shops online now and and people in general, like I've
Speaker 1: been interested when you know, if you listen to the
Speaker 1: news reports about retailers. A lot of retailers are projecting
Speaker 1: lower sales than average for the holiday season, and it's
Speaker 1: been this way for a while. Like the big department stores,
Speaker 1: like the Macy's, J C. Pennies, they've been struggling for
Speaker 1: a long time to get people to come back like
Speaker 1: they used to. So maybe I was like playing into it.
Speaker 1: And just like malls in general are dying, they're they're not.
Speaker 1: I mean, there's still the big malls and I think
Speaker 1: they'll always sort of be there, but a lot of
Speaker 1: smaller malls have been closing. It's just not that part
Speaker 1: of it's not the kind of I don't know if
Speaker 1: even kids, like when I was a kid, that's the
Speaker 1: only thing you could do. It's like you go to
Speaker 1: wafle house or you can go to the mall, and
Speaker 1: like it was like a social activity, spend all day there.
Speaker 1: I don't know that people do that anymore since they
Speaker 1: live in their phones now.
Speaker 2: Yeah, I agree, I don't think I feel like people
Speaker 2: don't really. Honestly, I've done a lot of regifting because,
Speaker 2: like I get sometimes you could have conferenced it.
Speaker 1: I know, gifting, Come on, no one wants your day planner.
Speaker 2: No, I got some really good stuff. I got like
Speaker 2: an Amazon Echo.
Speaker 1: Oh, what kind of conferences do you go to?
Speaker 2: I know, I got a Kate Spade computer KVE it's
Speaker 2: beautiful leather, and I was like, ooh, and but it's
Speaker 2: not the size of my computer. And so like, cause
Speaker 2: I have a what is this the nextbook air? So
Speaker 2: it's like a regular size one. I was like, someone
Speaker 2: is getting this Kate Spade uh thing, and it's going
Speaker 2: to be happy about it. So I gotta like I
Speaker 2: had maybe like three or four really like nice things,
Speaker 2: not like you know, like the cheesy conference stuff, but
Speaker 2: like just nice things. And I was like, let me
Speaker 2: put these up. And so I'm like, hmm, somebody's gonna
Speaker 2: get this.
Speaker 1: Even regifting only good stuff though not like you know,
Speaker 1: only good stuff. I also believe in buying something for
Speaker 1: yourself while you're also shopping for other people. I say,
Speaker 1: I believe it. I just really I'm so bad, Like
Speaker 1: it's like I one for you and one for me
Speaker 1: and one for you.
Speaker 2: Oh my goodness. So I did what I did last year.
Speaker 2: I got my whole team something for tip from Tiffany's. Hey,
Speaker 2: that's like my tradition. Now, well two years because.
Speaker 1: I have a friend that's panting on your payroll.
Speaker 2: No, well that's because like a friend of mine works
Speaker 2: for Tiffany. So you get like a huge disc.
Speaker 1: Oh okay, there we go.
Speaker 2: The truth comes out then exactly. So I was like,
Speaker 2: you know, so I'm always like, I know, I always
Speaker 2: have the budget per person, but it's like it's double
Speaker 2: like you know, like so if my budget is fifty
Speaker 2: bucks per person, then it's like, oh, I could spend
Speaker 2: a hundred you know what, but like dollars nothing really,
Speaker 2: but there are things that there are things that are
Speaker 2: like not too far. We not at fifty, but thinks
Speaker 2: that I could get for fifty you see what I mean? Right,
Speaker 2: So I kind of have like a you know, a
Speaker 2: buddy like okay, so as long as it's under a
Speaker 2: certain amount of money, it we're fine. And so I
Speaker 2: just literally get everyone on the team the same thing.
Speaker 2: Last year I got them necklaces and they were really cute.
Speaker 2: Everybody loved them. And this year I got them something
Speaker 2: different because I know the team listens. I know they're like, yes, ma'am,
Speaker 2: it's gonna be late because really, me and post Office
Speaker 2: it's probably not gonna I'm probably not gonna get their
Speaker 2: own time. But it's like my way, And honestly, it's
Speaker 2: super easy because I can just make a really clear
Speaker 2: budget of this is what I'm gonna spend. I order like,
Speaker 2: you know, ten of them, and then usually I order
Speaker 2: like four. I order maybe like five or six more
Speaker 2: or something different. But for my sister's, my mom and
Speaker 2: my two best friends, and that's it. It just makes
Speaker 2: it so easy, like here you go. But when you
Speaker 2: start having to buy individual gifts for individual people, it
Speaker 2: just gets to be too much team too much.
Speaker 1: I'm turning into my mother, like I really like to
Speaker 1: just I don't know. I just overthink it with the
Speaker 1: gifts sometimes. But at least I got everything except for
Speaker 1: my husband done. I was thinking about that today. I
Speaker 1: was like, man, for the last month, I've been saying,
Speaker 1: oh yeah, I'm going to think about what to get
Speaker 1: him at work today. I'm gonna do it. It's gonna happen.
Speaker 1: And then I just I'm like, oh shit, it's five
Speaker 1: days await and I haven't got my husband anything yet.
Speaker 1: It's fine, right, Well.
Speaker 2: Yeah, because we don't get something, it's like we're not
Speaker 2: getting each other anything. We just said, well, we're going
Speaker 2: to get each other is the house?
Speaker 1: No, just each other her I wanted, That's what I said,
Speaker 1: But I'm married to a man who just likes presents.
Speaker 1: He's like not, He's like, yeah, sounds cute, but he
Speaker 1: likes kifs.
Speaker 2: Ooh. So this is like kind of like a random
Speaker 2: a side till tomorrow. I'm alone there. So I'm sitting
Speaker 2: down my mom. She wants to talk about like retirement
Speaker 2: and stuff, and I was like, ah, She's like, can
Speaker 2: you sit down with me and help me pull out everything?
Speaker 2: She's not quite quite ready for retirement as far as
Speaker 2: age wise, she has a couple of years, but this
Speaker 2: is the first time she's everyone to sit down. Like
Speaker 2: I spoken to my dad like about like, you know,
Speaker 2: like money. Well, my mom talks talks about money too,
Speaker 2: but more so in a practical way, like this is
Speaker 2: how you budget, this is how you say, but this
Speaker 2: is more so here are my papers here my and
Speaker 2: I told her. I was like, well, let's pull everything
Speaker 2: out and organize it. But I really think that we
Speaker 2: should sit down with a financial planner to really go
Speaker 2: through because we don't need an advisor like they have
Speaker 2: to iry, I don't want anyone selling their products and
Speaker 2: stuff like that. They have all of those. It's just
Speaker 2: more so because my dad has like all of these.
Speaker 2: He's really good, but you know how it is like
Speaker 2: my my mom is like whatever, I'm not listening to him. Well,
Speaker 2: not like that, but it's hard. It's just better to
Speaker 2: have like an individual person that can kind of say, Okay,
Speaker 2: here are all of your accounts, here are here's the
Speaker 2: money that's coming in, here's what the house is worth,
Speaker 2: that kind of thing, and like, here's a plan that
Speaker 2: will put you where you want to be. Like I said,
Speaker 2: I know my dad has a plan already, but I
Speaker 2: think my mom needs to hear aboute a plan from somebody.
Speaker 1: Else that your dad interesting, well.
Speaker 2: At least not at least a plan, like you know,
Speaker 2: I think she just needs like a because he's always
Speaker 2: managed to finance. So I think she just wants like
Speaker 2: someone to be like, well, here's what I'm thinking and
Speaker 2: feeling versus caause my dad is like, the plan is set.
Speaker 2: If it's going good, if she sticks to the plan,
Speaker 2: we're good. I'm like, yeah, but that's the plan you created.
Speaker 2: Do you have a joint plan where it's not just like, hey,
Speaker 2: it's already set in motion because my dad's like, you know,
Speaker 2: he's a g with money. But I'm like, you know,
Speaker 2: maybe the plan, maybe mommy wants to retire here earlier
Speaker 2: than the plans the plan would suggest, you know, maybe
Speaker 2: she wants to sell the house sooner, you know what
Speaker 2: I mean. So it's like, well, let's look at options
Speaker 2: within the plan. So I'm both nervous and kind of
Speaker 2: excited and actually surprised that she was like, come sit
Speaker 2: with me and let's go over like my money. You know,
Speaker 2: Like ultimately I'm going to bring someone in, but I
Speaker 2: want to at least start to get her organized so
Speaker 2: she can start to think about what is it that
Speaker 2: you want, so we can have someone help, you know,
Speaker 2: you and dad, you know, you and Daddy figure out
Speaker 2: how do we get there with both of you guys
Speaker 2: kind of like compromising and getting there the way you
Speaker 2: want to get there.
Speaker 1: And what point do you bring your dad into the conversation.
Speaker 2: Well, I think this time is just it'll just be me,
Speaker 2: her and like I think my sister just for me.
Speaker 2: We're going to be at the house and he'll be
Speaker 2: there just pulling things out. I think that we bring
Speaker 2: him into the conversation when when I bring in the
Speaker 2: financial planner to say.
Speaker 1: Yes, you're saying having your mom an opportunity just to
Speaker 1: speak without the presence of your dad, who probably has
Speaker 1: like an overwhelming like.
Speaker 2: Yes, yeah, because my dad is like you know nickel
Speaker 2: dime coter twist this knob, the pulley is, you know,
Speaker 2: like he has a whole and I guess you kind
Speaker 2: of and I can understand it's feeling like, well, wait,
Speaker 2: I want to I have something to say, you know,
Speaker 2: like he's retired and they're you know, and they're honestly,
Speaker 2: they're good. But it's just, you know, I think that
Speaker 2: she just is like, well, I know that the plan
Speaker 2: requires me to stay another year or two, but what
Speaker 2: if I want to leave next year? Yeah, you know,
Speaker 2: or what if I want to you know? And so
Speaker 2: he's like, that's not part of the plan. I'm like,
Speaker 2: but daddy, you have to acknowledge that the plans can.
Speaker 1: Change into your dad one day. I don't ask any questions,
Speaker 1: just follow follow the book.
Speaker 2: Yes, here's the book. The book has been written has
Speaker 2: in the books of as well. We put five kids
Speaker 2: through college and their masters. We have a house. We have,
Speaker 2: you know, no real debt, like you know, like the
Speaker 2: plan is working and it's like, don't don't deviate from
Speaker 2: the plan. So it's like, yeah, just her opportunity to say, well,
Speaker 2: this is what I think and feel and then bringing
Speaker 2: someone into Yeah, that is something.
Speaker 1: That we worked on. We fought a lot about, like
Speaker 1: activities that make us happy that we don't have in common,
Speaker 1: that costs money, like that was our That's something that
Speaker 1: we sort of were budheads about. Well actually more so
Speaker 1: like I would just shoot down anything that I did
Speaker 1: that I didn't think was like, you know, a useful,
Speaker 1: a useful way to spend resources on gadgets and car
Speaker 1: accessories and stuff. Meanwhile, here I am a Lotti dog
Speaker 1: going to like a million Broadway shows and contents and
Speaker 1: stuff like this culture it's you know, it's not a thing,
Speaker 1: it's an experience.
Speaker 2: Gosh, that was so me. I look back, I was like,
Speaker 2: oh my goodness. Do you have any times I'm like, oh,
Speaker 2: I'm traveling this and that And He's like, oh, you know,
Speaker 2: I think i'd like to get a speaker, and I'm like,
Speaker 2: absolutely not.
Speaker 1: Yeah. First of all, the speaker thing we talked about
Speaker 1: it what is it?
Speaker 2: But anyway, but you know what I mean, it is
Speaker 2: kind of messed up, like relativity because you just came
Speaker 2: back from Jamaica. I'm like, you know the differ. Yeah, No,
Speaker 2: it is good to have outside, an outside you know,
Speaker 2: person to kind of come in and look and say, hey,
Speaker 2: there's actually room for both your plans to work you know,
Speaker 2: congruently together, you know, like so, and I suspect that
Speaker 2: it is. I know that there's there's more than enough there.
Speaker 2: So I'm actually really curious because it's been a while since,
Speaker 2: like I've maybe since college, since like I've seen all
Speaker 2: of their financials like on paper, you know. Yeah, so
Speaker 2: I'm really curious to see like what I know. So
Speaker 2: I'll report back as much as I can. I know
Speaker 2: my mom probably, I'm like, if you know my mom,
Speaker 2: please say nothing because she'll be like Tiffany, gosh, darn it.
Speaker 2: Let me tell me.
Speaker 1: That was one of the hardest things for me as
Speaker 1: a reporter when I used to have to interview interview
Speaker 1: older people who were close to retirement age, and you want, like,
Speaker 1: if you're going to really write it like a satisfactory
Speaker 1: story where the reader feels like they're getting the full picture,
Speaker 1: you need to ask about numbers, like how much have
Speaker 1: you saved? And you know, how much are you? Are
Speaker 1: you getting an income every month? You know, to spend
Speaker 1: on your lifestyle, and you get you get used to
Speaker 1: like asking those personal questions and some people will answer.
Speaker 1: But I found that a lot of parents would tell me,
Speaker 1: don't you dare print this. I don't want my kids
Speaker 1: to know. I got that. I got that answer a lot.
Speaker 1: So it's it's just I mean, I I yeah, it's funny,
Speaker 1: but it's great that your mom doesn't feel that way
Speaker 1: about you.
Speaker 2: Well about me. But I'm sure she'd be like, you
Speaker 2: told who what? But she hasn't listened to the podcast,
Speaker 2: and if you know her, please be quiet. So she's like, yes,
Speaker 2: tell exactly, you tell the world. So sidebar, I purchased bitcoin?
Speaker 1: Did you really? Okay?
Speaker 2: Yes? So well here's why, because I said, you know what,
Speaker 2: I wasn't going to. But then for the Literature Academy,
Speaker 2: everyone was asking me and you get a big coin instructor.
Speaker 2: So I interviewed about five or six different people and
Speaker 2: I was like, yeah, most people weren't fit until I
Speaker 2: met this woman named Cassandra Cummings. And what I liked
Speaker 2: about her is that she wasn't a big cooin instructor.
Speaker 2: And I realized that's what didn't sit well with me
Speaker 2: about everybody else that they were quote unquote bigcoin instructors.
Speaker 2: And Cassandra is an investing instructor. She's a CFP and
Speaker 2: a CPA. So here's a woman who just had a
Speaker 2: really strong financial background period. And then in conjunction to
Speaker 2: teaching about folks, especially women, about investing, she you know,
Speaker 2: started teaching that here's an alternate, not an alternative, but
Speaker 2: in addition to what you're already doing. You know, bigcoin
Speaker 2: is the thing, let's talk about cryptocurrencies. So I like
Speaker 2: that that she was really well balanced versus just being
Speaker 2: this one thing. And what I liked too is that
Speaker 2: she had already built this really great, robust community called
Speaker 2: stocks and Stilettos, and so I had her come on
Speaker 2: to teach a lesson and it was really good. Like
Speaker 2: even me who had done a little bit of research,
Speaker 2: it really helped to explain what cryptocurrency was and you know,
Speaker 2: why bigcoin is this big thing, and what does it
Speaker 2: really mean and even how to purchase it? And so
Speaker 2: I said I always like to do what I what,
Speaker 2: you know, my dream builders and dream catchers are doing.
Speaker 2: So I said, you know what, I'm going to sign
Speaker 2: up for this website coinbase that she was talking about,
Speaker 2: and let's see how easy it is. Honestly, Maddy. It
Speaker 2: took me five minutes and I bought ten dollars worth
Speaker 2: of bit coin just to see. And I was like, wow,
Speaker 2: she's she's a great teacher because this was super super
Speaker 2: easy and yeah, so I don't know. I was telling
Speaker 2: Superman about it. He was like, let's buy more, and
Speaker 2: I was like, so we're talking about, like, you know,
Speaker 2: let's do a little bit more research to see, like,
Speaker 2: because there are other kind of cryptocurrencies out there. But
Speaker 2: I'm definitely now that I know how to do it
Speaker 2: and understand that a little bit more, we should have
Speaker 2: her on as a guest because she was, like I said,
Speaker 2: was really great at explaining step by step. I felt like,
Speaker 2: you know, I was taking like a second grade class
Speaker 2: in cryptocurrency. And I was like, oh, I get it,
Speaker 2: you know, yeah, I know.
Speaker 1: Our listeners are like, why don't you have her on
Speaker 1: the show, Tiffany.
Speaker 2: Now, I'm gonna know, I'm sure she would love this. Yes,
Speaker 2: Cassandra coming, she was really, like I said, really good
Speaker 2: at explaining it and just really And what I liked
Speaker 2: is that she was realistic and like, don't be a fool.
Speaker 2: All your money should not be in bitcoin. It should
Speaker 2: be a very small percentage of your overall investing strategy,
Speaker 2: and that it's very very volatile and risky, and that
Speaker 2: you could be wealthy on paper today and literally broke
Speaker 2: on paper tomorrow, but broke in real life tomorrow because
Speaker 2: you put all your money into that. So I just
Speaker 2: liked that she was realistic and like I said, the
Speaker 2: coin base of whatever website she's told used to use,
Speaker 2: I was like, oh, this is super duper.
Speaker 1: Remember when we talked about bitcoin.
Speaker 2: Yes, but I had never used it, so I was like,
Speaker 2: I don't know how it works, you know, Like I
Speaker 2: was like, this seems hard, or like how do you
Speaker 2: even get your money? But what we talked about, I
Speaker 2: don't even know if you get your money back. And
Speaker 2: now that I've been on I'm like, oh, this is easy.
Speaker 2: But yeah, I think we sh definitely have somebody just
Speaker 2: because it's all the rage right now, so we should
Speaker 2: definitely be.
Speaker 1: I did post in the group we just did a
Speaker 1: whole guide on the bitcoin and how you sell it,
Speaker 1: how to invest it, can you buy it with a
Speaker 1: credit card, how to spend it. I posted it in
Speaker 1: the Facebook group. I'll repost it for everyone listening if
Speaker 1: you want a guide to if you just want a
Speaker 1: beginner's guide to bitcoin, it tells you. It gave me
Speaker 1: a really good sense to. I had my favorite writer,
Speaker 1: Bob Sullivan, do an excellent like explainerround the history of cryptocurrency,
Speaker 1: the other types of cryptocurrency that are out there, what
Speaker 1: it even is. And the conclusion is the same. It's
Speaker 1: that if you have play money that you don't mind losing, sure,
Speaker 1: I go and out buy some bitcoin. But we posted this.
Speaker 1: We posted a graphic in the story, which is I
Speaker 1: think very telling. If you look at the trajectory of
Speaker 1: the value of bitcoin, you know, a year ago being
Speaker 1: almost near zero dollars and today being worth over sixteen
Speaker 1: thousand dollars a coin. Actually, I just I checked that
Speaker 1: number two days ago, so who knows where it's at now?
Speaker 1: It changes.
Speaker 2: It's at nineteen thousand left.
Speaker 1: My check, okay, and higher. But it just can turn
Speaker 1: like a dime, like it'll It's so volatile. And it's
Speaker 1: only picked up in the last couple of months that
Speaker 1: it's been blowing up like it is now. And I
Speaker 1: don't know. I just feel like as an investor in
Speaker 1: like you know, reading things like reading the whole Warren
Speaker 1: Buffett Philosophy and the Jack Vogel Jack Vogel Philosophy about investing.
Speaker 1: For me, it's like when everyone's talking about it and
Speaker 1: it seems like the hot new thing, that's when I
Speaker 1: am afraid to put my hat in the ring, like
Speaker 1: because like the housing crisis, that's when everyone was like,
Speaker 1: buy a house, buy a house, no money down, like
Speaker 1: you know, buy three houses. To me, it just feels like,
Speaker 1: all right, take a step back, the hot new thing
Speaker 1: maybe isn't the best thing for you and think about it.
Speaker 2: Yeah, oh and look it just fail. I'm just on
Speaker 2: coinbase right now. It just feil twenty five hundred dollars
Speaker 2: in the past hour. It was nineteen thousand and now
Speaker 2: it's fifteen in one hour.
Speaker 1: Yeah. I think it's fun to like maybe put some
Speaker 1: but you put tent. You can buy one thing. I
Speaker 1: didn't know, so you can just buy like ten dollars worth.
Speaker 1: You don't have to spend like nineteen thousand dollars for
Speaker 1: one bitcoin, do you.
Speaker 2: Yeah, which I like. That's what I liked about it
Speaker 2: because I was like, oh, and you can automate it.
Speaker 2: So let's just say you're like, you know what, I'm
Speaker 2: not gonna eat I eat out out lunch every day
Speaker 2: during the week, and lunch is ten dollars, and so
Speaker 2: you say yourself, Okay, on Wednesday, I'm not going to
Speaker 2: eat out lunch. I'll eat from home, and I'm just
Speaker 2: gonna buy ten dollars worth of a cryptocurrency a week.
Speaker 2: You can actually set it to buy the ten dollars, like, Okay,
Speaker 2: every Wednesday, my lunch money will go toward buying it.
Speaker 2: So that's what I would probably probably do is just like, oh,
Speaker 2: it's money, like you said, kind of play money, and
Speaker 2: you can literally just set it to let it buy
Speaker 2: weekly for you or just buy one time and just
Speaker 2: leave it and say, well, you never know, let's see,
Speaker 2: you know, so.
Speaker 1: What's your ten dollars worth? Now?
Speaker 2: Well, it's going down because you know bitcoin fail. Actually
Speaker 2: it just fell again. Wow, while we were talking right now,
Speaker 2: it felt it just fell another fifteen dollars while we
Speaker 2: were just talking, which is fine. No, because I bought
Speaker 2: ten dollars and I don't even know like what is
Speaker 2: whatever percentage like of twenty percent, So my ten dollars
Speaker 2: is now worth eight dollars. I'm it's gone down. Yeah,
Speaker 2: it's gone down twenty percent, and tomorrow it goes up.
Speaker 2: Then it'll go up. But imagine for people who have
Speaker 2: put one hundred, two hundred, three hundred thousand dollars and
Speaker 2: now you're what you have in there is worth twenty
Speaker 2: percent less in an hour, and while we're speaking, it's
Speaker 2: go ahead. Yeah.
Speaker 1: Another thing that people may not realize is this is
Speaker 1: not regulated. It's not FDIC insured like a savings account.
Speaker 1: If you lose bitcoin, you can't get it back. And
Speaker 1: one thing that's been happening that we cover in our
Speaker 1: guide is that bitcoin there's people out there who like hackers,
Speaker 1: who are who are obsessively trying to find people to
Speaker 1: hack their computers and get their bitcoin. And if they
Speaker 1: successfully take your bitcoin, you you can't get it back.
Speaker 1: There's no poop. Yeah, like there's no relation for it.
Speaker 1: So it's very it's just really risky. So just goes
Speaker 1: back to the idea that you know, don't don't use
Speaker 1: money that you're not willing to lose.
Speaker 2: Yes, one of the reasons why I said no. To
Speaker 2: one of the instructors, and she was really nice and
Speaker 2: she seemed knowledgeable. But then she told me that all
Speaker 2: of her money was in bitcoin, all of it. And
Speaker 2: I said, way, I don't understand. She was like no, yeah.
Speaker 2: So like she's like, you know, I just find different vendors,
Speaker 2: like my my trainer, because she had like a personal trainer.
Speaker 2: They take bitcoin, and I order my groceries to be
Speaker 2: and I'm like, girl, you can't talk to the drink
Speaker 2: captures because that.
Speaker 3: Is unwise, Like I cannot in good conscious Like I
Speaker 3: only like one of the people who got into bitcoin
Speaker 3: early on because it was like, yeah, if the system
Speaker 3: like this is going to be the way we break
Speaker 3: financial institutions.
Speaker 1: I mean, that was the whole reason. That's really the
Speaker 1: impetus for bitcoin was to be like the anti traditional
Speaker 1: we're not bitcoin, but like cryptocurrencies. Was to have a
Speaker 1: way to like create a currency that's not going to
Speaker 1: be tracked by the government, that's tied to its own
Speaker 1: inherent value. And like during the Occupy Wall Street movement,
Speaker 1: this was the thing they wanted to use Bitcoin and
Speaker 1: some some like progressive stores would let you use bitcoin
Speaker 1: to pay for things, and I think even now like
Speaker 1: Amazon you can use or some like major websites except
Speaker 1: bitcoin anyway, But those fanatics like, I don't know, that
Speaker 1: seems like.
Speaker 2: It's not why. I mean, first of all, it's literally
Speaker 2: not wise in any sector. So like they have a
Speaker 2: one hundred percent of your money in real estate, one
Speaker 2: hundred percent in bonds, one hundred percent in individual stocks.
Speaker 2: It's just not wise, you know what I mean. So
Speaker 2: it's just when she said that, I was like, yeah,
Speaker 2: I don't think you're a fit. And it was weird
Speaker 2: because I had a guy that I interviewed and he
Speaker 2: was like, just so you know, I'm a little firm.
Speaker 2: I don't believe in that touchy feely stuff. I'm like
Speaker 2: a father figure. I'm like, oh, oh yeah, that will
Speaker 2: be a fit for three hundred thousand women of color
Speaker 2: to say I'm your daddy. You're gonna listen to me.
Speaker 2: I was like, I say, you are not a fit.
Speaker 1: That's crapy.
Speaker 2: Yes it is crazy. Oh but yeah, so we found
Speaker 2: it so hopefull. Well we'll try to get cut. You're
Speaker 2: on in the new year.
Speaker 1: Okay, words.
Speaker 2: That time. Now it's trying to break or boost, break
Speaker 2: or boost. Even though I'm in a great mood, I'm
Speaker 2: not gonna boost today.
Speaker 1: I wasn't gonna boost either.
Speaker 2: Ooh, well, well they're gonna have to get this work.
Speaker 1: I mean, maybe I'll find a positive spanbit go ahead.
Speaker 2: So yeah, I'm like, huh, so I am going to
Speaker 2: break from sense of entitlement. So earlier today, I was
Speaker 2: in a dream Catcher group and a woman let's just
Speaker 2: call her Mary wrote me and said, hey, you know,
Speaker 2: I was loving this group until would she say? I
Speaker 2: was really starting to enjoy this group until I saw
Speaker 2: the latest post a black woman only wanting black women's opinions?
Speaker 2: How would that have worked if it was the other
Speaker 2: way around. If I would have posted that and said, basically,
Speaker 2: black women, you have nothing of value that you can
Speaker 2: tell me? Wow? Is that allowed racist? Much? And so honestly,
Speaker 2: my knee jerk reaction was like, what that's crazy? So
Speaker 2: I was like about the type to LORI, Mary, whatever
Speaker 2: she's going on. I was about to turn to Mary,
Speaker 2: Oh my goodness, you're right like no one. The way
Speaker 2: she worded it, I thought she gave advice. And someone
Speaker 2: said I don't want to hear advice from anyone who's
Speaker 2: not black. That's what I thought. That's the way it
Speaker 2: was worded, because so as I was scrolling through, I
Speaker 2: found the post, and the post was a meme that said,
Speaker 2: black women who are thirty five and above in age,
Speaker 2: what advice do you have for Black women in their twenties? Thoughts?
Speaker 2: That's what the post said, Black women who are thirty
Speaker 2: five and above in age, what advice do you have
Speaker 2: for Black women in their twenties? Yeah?
Speaker 1: And so different.
Speaker 2: Yes, And I said, Laurie, although I can, I can,
Speaker 2: I can. I didn't say I can understand if I
Speaker 2: took it back so I couldn't understand. I said, although
Speaker 2: I can appreciate your feedback that the post was not racist,
Speaker 2: that that the post was just someone asking for women
Speaker 2: who had it. Didn't say that you had to that
Speaker 2: that she you know, she didn't want non black opinions.
Speaker 2: She just there's a unique there are unique challenges as
Speaker 2: a woman of color faces. And she's saying, as a
Speaker 2: woman of color who has been through those challenges, can
Speaker 2: you basically give assistance to your younger self? You know
Speaker 2: that like that? I didn't, you know, and that's it.
Speaker 2: Like I didn't find it to be really like you
Speaker 2: could have. You could have jumped in and gave some
Speaker 2: advice or whatever. And then of course she did the
Speaker 2: whole all lives matter, like, you know, I know a
Speaker 2: lot of black women, and she put black women in quotes,
Speaker 2: which I thought was weird.
Speaker 1: For actually responding to her nonsense.
Speaker 2: Because I wasn't going to. But I said, you know what,
Speaker 2: this could be a teachable moment. She said. She said
Speaker 2: something like I know a lot of black women, and
Speaker 2: she needs to be removed, and so asking questions that
Speaker 2: would never cross my mind. I don't know. She was like,
Speaker 2: everybody has need to offer black, white, and green or purple,
Speaker 2: and I just said, you know, and then she went
Speaker 2: me back. She was like, well, clearly this is a
Speaker 2: hate group and I'm gonna report it. And that's when
Speaker 2: I was like, well, we don't have anything else to
Speaker 2: say before you get to reporting girl block and band
Speaker 2: you can't report with you can't find And so my
Speaker 2: break is from the sense of entitlement that that that
Speaker 2: that clearly Mary thought because she wasn't the default, meaning
Speaker 2: no one said hey Mary, you can't give your opinion.
Speaker 2: But it wasn't Hey, Mary, I want your opinion. You
Speaker 2: see what I mean that because she because Mary is
Speaker 2: not used to being not the default. Like as a
Speaker 2: woman of color, I'm used to not being the default.
Speaker 2: I'm used to going to the store knowing that most
Speaker 2: of the doll babies are gonna be gonna be white.
Speaker 2: I'm used to getting makeup that says nude and knowing
Speaker 2: that it's not gonna be brown. I'm used to getting pantyholes,
Speaker 2: not that I wear panty hose, and knowing that nude
Speaker 2: is going to be really like, I'm I'm used to
Speaker 2: it not being the default, and I'm angry about it.
Speaker 2: It's just okay, I'm just that's just it. And Mary's
Speaker 2: not used to not being the default. This woman didn't
Speaker 2: say hey, no you know, no Asian, no white, no whatever.
Speaker 2: Women allowed just hey, if you're a black woman, can
Speaker 2: you give advice to your younger self? And I just
Speaker 2: you know, And so I just wanted to take a brown,
Speaker 2: a super brown, break from that sense of entitlement, like girl.
Speaker 2: First of all, one, I started this group, Not I
Speaker 2: started a bunch of Anisa and stuff. Not I started
Speaker 2: the group for women. But I have a special sensitivity
Speaker 2: and focus on women of color because we have been
Speaker 2: left out of the conversation, the financial conversation, more than
Speaker 2: any other group women of color, And so I always
Speaker 2: say I welcome everyone. There are men in that group,
Speaker 2: there are people of all different types of races, but
Speaker 2: know that I am very conscious and sensitive of making
Speaker 2: sure that women of color in particular are served because
Speaker 2: you can literally get served every place else. This is
Speaker 2: the one restaurant where we could get served it, like,
Speaker 2: you know, specifically get served, and so I'm not gonna
Speaker 2: apologize for that. So I was just like, you know,
Speaker 2: I mean, I can understand it, especially if you've never
Speaker 2: been on the other end of not everything not being
Speaker 2: for you. But oh well, girl, like that's what it
Speaker 2: is like. This is Dreamcatchers that everybody is welcome, but
Speaker 2: I'm talking to everyone, but specifically women of color. Yes,
Speaker 2: because it's one of the few places where we get
Speaker 2: spoken to specifically. And if you're mad about that, you know,
Speaker 2: you could take your mad ass and go someplace stuff,
Speaker 2: because first of all, that's not even what racism is.
Speaker 2: I wanted to be like, I need you to google
Speaker 2: and use a dictionary, because racism is not You're talking
Speaker 2: about discrimination. So that's first racism. Someone who does not
Speaker 2: have financial or political power over you cannot be racist
Speaker 2: because that's what racism really is, is that you know,
Speaker 2: based upon the color of someone's skin, you are able
Speaker 2: to impose financial or political power over that person. So
Speaker 2: a post like that is not racist because first of all,
Speaker 2: black people and brown people they don't have the financial
Speaker 2: political power in this country. So we cannot, by that definition,
Speaker 2: really be racist. We might be discriminatory, yes, but no, Mary,
Speaker 2: that's not what it is. And I was like, girl,
Speaker 2: black band, I was trying to be nice and teach
Speaker 2: you or teach you a moment quote unquote, I have
Speaker 2: quote unquote black women at my job. What is quote
Speaker 2: unquote either they are or they aren't.
Speaker 1: So what then you can speak? You could have contributed
Speaker 1: to that conversation because like, was she going to say, Okay,
Speaker 1: so I have five black friends at women black women
Speaker 1: at work, and here's something that I realized they could
Speaker 1: be doing better like that? How would you even start
Speaker 1: to phrase that sort of answer?
Speaker 2: It?
Speaker 1: Just because it kills me that they feel threatned. I
Speaker 1: think it's like a sense of being threatened by any
Speaker 1: conversation that doesn't include you, rather than like being open
Speaker 1: to it. I just wish some people realize that the
Speaker 1: best thing you can do if you want to be
Speaker 1: an ally. This goes toward men and the whole discussions
Speaker 1: around me too and sexual harassment. It goes for white
Speaker 1: women when we're talking about racial inequity between gender black
Speaker 1: women especially, like sometimes the best way to be an
Speaker 1: ally is just to be quiet and let someone else
Speaker 1: do the talking for once. Yeah, not everyone quite has
Speaker 1: gotten that memo yet exactly.
Speaker 2: And that's exactly what it is that sometimes sometimes you
Speaker 2: just you're right. It's just to say, you know what
Speaker 2: this is, I don't have a dog in this fright,
Speaker 2: and it's okay, like you know, like right now, you know,
Speaker 2: maybe it's it's lesbian women talking about you know, how
Speaker 2: they feel this is unfair and it's not for me
Speaker 2: to say, well girl, that's not true. Well how would
Speaker 2: I know? Now would I know? And or like men
Speaker 2: to say, you know, sometimes I feel okay. Sometimes it's
Speaker 2: just for me to say, you know what, I never
Speaker 2: thought about it that way. Let me sit back, observe, read,
Speaker 2: and listen, and honestly, Mandy, the post in the group
Speaker 2: like under the comments. I get chills reading the comment.
Speaker 2: It is so beautiful, like the advice that older women
Speaker 2: are not old or older, but you know, but the
Speaker 2: grice that the women are giving to their younger selves,
Speaker 2: basically to the younger women in the group. I mean,
Speaker 2: it's the most beautiful post. It's like, you know, you're
Speaker 2: more than enough, You're worthy. Don't don't be with anyone
Speaker 2: that would ask you to dim your shine. I mean
Speaker 2: the advice is it is literally the reason why I
Speaker 2: created dream Catchers. That kind of post. I mean, it's just,
Speaker 2: you know, yeah, it's beautiful, and I just thought she
Speaker 2: was so wrapped up in her own whatever that did
Speaker 2: you even read the advice like, It's just it was moving, honestly,
Speaker 2: and so yeah, Mary kicks.
Speaker 1: A well, that was kind of like a break you could.
Speaker 1: You brought it that, you brought the boost at the end,
Speaker 1: the boost for the women supporting each other. May have
Speaker 1: you ever sat down to write a letter to yourself
Speaker 1: at a certain age? Woof? That's some uh yeah, some
Speaker 1: heavy stuff. My therapist told me to do that one time,
Speaker 1: and it took me, like I kept putting it off
Speaker 1: for like a month until I did it. It was
Speaker 1: it was a moment, what about you?
Speaker 2: What is your booth? Your break?
Speaker 1: My break? My break was going to be interviews. I've
Speaker 1: been I feel really really lucky and well not lucky.
Speaker 1: I feel a real sense of responsibility around hiring the
Speaker 1: right people for my team, but such a sense of
Speaker 1: responsibility that I like am over freaking whelmed by the
Speaker 1: hiring process. So we have three to four open positions,
Speaker 1: open applications are pouring in, There's hundreds to go through,
Speaker 1: there's interviews to set up. You know, every interview that
Speaker 1: I do, it's like at least a thirty to forty
Speaker 1: five minute and today to one hour phone conversations with people,
Speaker 1: you know, kind of discussing the role and what it takes.
Speaker 1: Like I don't know, I don't know how anybody like
Speaker 1: does this more efficiently than what I'm trying to do.
Speaker 1: But and it's almost like I'm casting for like a
Speaker 1: film or something. I'm like, I just haven't found the
Speaker 1: right person, the right fit for this part. And just
Speaker 1: like the mental strain of the back and forth, people
Speaker 1: following up up and sending follow up emails and like
Speaker 1: telling people that they you know, you're not interested. You know,
Speaker 1: they don't think they'll be a right fit you have.
Speaker 1: I have to send those emails to people, which which
Speaker 1: is like I could punt it and have the HR
Speaker 1: team email them and say, you know, we're no longer interested.
Speaker 1: But I always just feel like it's better just to
Speaker 1: do it, like out of respect. I'll personally tell you
Speaker 1: because I am the person you've been talking to, you
Speaker 1: know that it's not a good fit. Like sending those
Speaker 1: emails is tough. Yeah, And you know, I had someone
Speaker 1: in an interview be like, well, has anything you know?
Speaker 1: You know, we'll have like a half hour interview and
Speaker 1: then they'll be like, well, is there any reason you
Speaker 1: think I couldn't do this job? I'm like, kind of
Speaker 1: question is this? I mean, I don't really have an
Speaker 1: answer for you. Like I I've only talked to you
Speaker 1: for half an hour. There could be a lot of
Speaker 1: reasons why you can't do it, but I need just
Speaker 1: more than a you know, half hour discussion to decide.
Speaker 1: Somebody today told me that they didn't want you know,
Speaker 1: I'm interviewing for a Pacific specific role and I was asking, uh,
Speaker 1: this person for ideas that they might have if they
Speaker 1: were to be in this role, this creative role, where
Speaker 1: you're creating something, you know, tell me what things you
Speaker 1: would like to create. That's a pretty fair question. And
Speaker 1: the response was, I just want to know that we're
Speaker 1: eventually going to be on track for hiring before I
Speaker 1: tell you my ideas, because I would just be worried that,
Speaker 1: you know, they would be taken from me and I
Speaker 1: wouldn't be you know, hired. And I I was like,
Speaker 1: maybe if this were if I were a tech firm
Speaker 1: and I was asking for the patent model or the
Speaker 1: you know, like the the design of your specific invention
Speaker 1: or whatever. But I'm like, you haven't invented the video,
Speaker 1: Like there's only so many different things you can do,
Speaker 1: Like this isn't you know, like oh my god too.
Speaker 1: But also like seriously, so we're just gonna stare at
Speaker 1: each other like what this is not a productive hour.
Speaker 1: Oh it's exhausting.
Speaker 2: Oh my gosh, I don't even like oh okay.
Speaker 1: I was honestly like, oh okay, So this past forty
Speaker 1: five minutes we've just I mean, I really I looked
Speaker 1: back on the forty five minutes we had spent talking
Speaker 1: so far, and I was like, yeah, nothing here is
Speaker 1: like that spectacular anyway. So what are you holding like.
Speaker 2: Anyway, They're like, whatever, you're going to steal my ideas? Girl?
Speaker 2: Are you going to you're going to start a whole company.
Speaker 1: I will say some things that I've learned having to
Speaker 1: because I come. I usually do it at work, I mean, sorry,
Speaker 1: at home. I wait till I get home and I'll
Speaker 1: read through resumes and cover letters and stuff. I really
Speaker 1: I used to be anti cover letter, like I thought
Speaker 1: it was stupid. They're never going to read this? Why
Speaker 1: write one? I really read them, And when I have
Speaker 1: hundreds to go through, I skip over ones that don't
Speaker 1: give me a cover letter, like unless the resume is spectacular,
Speaker 1: I really do because for me, they're an opportunity to
Speaker 1: see one. Did you even look at the site and
Speaker 1: what we're doing too? Do you even care what we do?
Speaker 1: Do you have an interest in it? And some people
Speaker 1: have convinced me to call them even because of their
Speaker 1: cover letter if their resume doesn't really you know, if
Speaker 1: their resume doesn't show me such like a natural job history,
Speaker 1: you know, if they haven't had bam bam band personal
Speaker 1: finance or financial experience at different businesses and media or whatever,
Speaker 1: but they wrote a killer cover letter, telling me things
Speaker 1: I didn't know about them that would make them a
Speaker 1: good fit for the job. And I've I've marked, you know,
Speaker 1: I've I've pushed them through the process. Because of that,
Speaker 1: I think, I don't know, I think it gives you
Speaker 1: an edge. I say, don't sleep on the cover letter,
Speaker 1: don't make it long, but write a cover letter.
Speaker 2: No, that's smart. I never thought about that. I never.
Speaker 2: I haven't. I don't even know that have I ever
Speaker 2: written a cover letter because my first job was a teacher,
Speaker 2: preschool teacher, and I don't think I had to write
Speaker 2: a cover letter for that, I mean because there was
Speaker 2: more so like come in play with the kids, let's
Speaker 2: see you in action. You know. I think I did
Speaker 2: commit a resume and then after that, honestly I didn't.
Speaker 2: My next job was basically the budget eista. Yeah, you know,
Speaker 2: but definitely like when like when I hire now, I'm
Speaker 2: a little bit more informal, but I have more of
Speaker 2: an informal kind of cover letter. So, yes, you send
Speaker 2: your resume and typically instead of a cover letter, I
Speaker 2: do ask for a statement because I kind of bigger
Speaker 2: to me than specific skill sets, unless I'm hiring for
Speaker 2: like the CFO or that kind of thing, like if
Speaker 2: we're doing like customer support or project management or whatever,
Speaker 2: those are things I can kind of teach. So I'm
Speaker 2: really just your cover letter or the statement that I
Speaker 2: ask for speaks to more of your your state of mind.
Speaker 2: It's really important to me that you're going to fit
Speaker 2: into the company culture. M yeah, but.
Speaker 1: That's another thing much like sorry, I was just going
Speaker 1: to say, it's another thing to think about too. It's
Speaker 1: the people, Like it really is, like with each person
Speaker 1: I'm hiring, I'm thinking about how they're going to interact
Speaker 1: with each other. But I'm building a new team, so
Speaker 1: you don't know if someone three, like the person you
Speaker 1: hired right now is like Okay, I'm really working from
Speaker 1: this personality moving forward. Like you, if you keep like,
Speaker 1: if you keep sort of trying to hire people who
Speaker 1: will fit in with the people you've already hired, you
Speaker 1: can kind of like back yourself into a corner of
Speaker 1: a certain type of person if that makes sense. So
Speaker 1: I'm like, I'm looking for age diversity. I want people
Speaker 1: from different backgrounds, and I think I'm doing an okay job.
Speaker 1: But one thing I realized is when you're when you
Speaker 1: have a lot of new people on a team, there
Speaker 1: is a lack of collaboration, like a lack of chemistry
Speaker 1: because you really, like imagine everybody on their first day
Speaker 1: of school when no one knows each other yet, you know,
Speaker 1: like there's a little bit of awkwardness, like it takes
Speaker 1: a while to get to know people and warm up.
Speaker 1: So I'm I'm seeing that in the office and I'm
Speaker 1: just I'm giving it time. I'm giving people time to
Speaker 1: get accustomed, like they're not only getting to know their
Speaker 1: job like a new job, but it's a new company
Speaker 1: and there's new coworkers coming in all the time, and
Speaker 1: I think it's just like another layer of challenge is
Speaker 1: giving like waiting for that that vibe to happen. That
Speaker 1: like that you know the office space where everyone sort
Speaker 1: of knows each other and chats and like gets along
Speaker 1: and stuff you can't like you can't force it, and
Speaker 1: I think it takes time. And that's something I wasn't
Speaker 1: thinking about, being like the the And it's also what
Speaker 1: happens if you don't hire people that you know that
Speaker 1: are already your friends, you know, anyone who knows each other.
Speaker 1: Some startups are like, oh, it's or four roommates from college,
Speaker 1: and then we just hired our three friends and it's
Speaker 1: all one big, happy family.
Speaker 2: Yeah.
Speaker 1: But because I'm intentionally not doing that, it's it's it's
Speaker 1: I think it's positive. But it also comes to a
Speaker 1: set of challenges too.
Speaker 2: Questions not favorite part questions what do they want to know?
Speaker 2: Or question question?
Speaker 1: We have a question? Yes again. You can email us
Speaker 1: at broad Ambition podcast dot com if you have a
Speaker 1: career or finance question, or you can go to brown
Speaker 1: Ambition Did I do that again? Where I say you did?
Speaker 2: You did? It's okay?
Speaker 1: Well, you can also send us an email by going
Speaker 1: to broad Ambition pot dot com and having to ask
Speaker 1: us anything tab or you can just email us at
Speaker 1: brand Ambission podcast at gmail dot com to send us
Speaker 1: an email directly. Yeah. Today we have a good question
Speaker 1: from a writer named Brittany, who says I'm a huge
Speaker 1: fan of the podcast, love listening to and wait on
Speaker 1: my way to work in the morning. Thank you, thank
Speaker 1: you both for creating. Okay, just prise, prise Prise, Thanks Brittany.
Speaker 1: My question is about moving to New York City while
Speaker 1: trying to be financially responsible. I'm a recent graduate of
Speaker 1: San Francisco State University, and I plan on moving to
Speaker 1: New York this coming spring. I currently work in finance
Speaker 1: full time as a loan representative, but I have always
Speaker 1: had the dream of living in New York and pursuing
Speaker 1: a career in writing. I don't have very much debt
Speaker 1: under five thousand dollars, but I also don't have a
Speaker 1: lot saved less than two thousand dollars. Can you give
Speaker 1: me some tips on how to prepare myself financially for
Speaker 1: such a big move. I was very fortunate that I
Speaker 1: got a job right out of college that pays around
Speaker 1: fifty five thousand dollars per year, but I'm a bit
Speaker 1: scared that I may not be able to find something
Speaker 1: comparable to this in salary in New York. Da Da, Da,
Speaker 1: da da. What's oh? She asked, specifically, what's a realistic
Speaker 1: amount to have staved before relocating to New York City?
Speaker 1: And Mandy, can you give some tips on how you
Speaker 1: were able to find a job in the writing field.
Speaker 2: I was gonna say, Mandy, this is all you girl.
Speaker 2: I was like, Mandy, did your younger self just pop
Speaker 2: in and write this?
Speaker 1: It could have been me. It could have been me.
Speaker 1: Although I didn't ask any questions. I was like, see
Speaker 1: a New York I'll be there, sixteen dollars in the bank.
Speaker 1: Hey Brittany, Yeah, this is a great question. I think
Speaker 1: it's really brave. But I think there's no better time
Speaker 1: to do it, Like if you're going to take a risk,
Speaker 1: if you graduated college recently. I am you know, this
Speaker 1: may not be everyone's advice, but I am the kind
Speaker 1: of person who says, man, when you're twenty two and
Speaker 1: you have an ambition and you have an idea and
Speaker 1: you want to try it out, like do it because
Speaker 1: in ten years you're not going to have the same
Speaker 1: kind of freedom that you have now. You know, after college,
Speaker 1: I split and I was like by job world and
Speaker 1: by recession and I went to South America and it
Speaker 1: was the best thing I ever did. And you know,
Speaker 1: same thing with New York City. When I got the
Speaker 1: opportunity I had. I had a decent job too when
Speaker 1: I was in Georgia and I got an opportunity to
Speaker 1: go to New York for a job, and I was
Speaker 1: like by Georgia and I and it sort of works out.
Speaker 1: But I think you just got to take the plunge.
Speaker 1: One thing, that one thing, this is a question. I
Speaker 1: feel like we've gotten before. Do you move before you
Speaker 1: have a job in place. I moved here when I
Speaker 1: had a job offer. I didn't come here. You know,
Speaker 1: I sound pretty brave, but I didn't come here with
Speaker 1: that without a plan or at least like a paycheck.
Speaker 1: But I learned that even if you do have a plan,
Speaker 1: you never know what's going to happen. When I moved here,
Speaker 1: I lost my job two months later. Like I thought,
Speaker 1: I was making the right decision, and then they were like, girl, by,
Speaker 1: we're cutting ten percent of our staff. So at that
Speaker 1: point I was, I was. I was in a worse
Speaker 1: position than newyorkcause I didn't have any savings saved up.
Speaker 1: Like I think I had gotten a total of two paychecks,
Speaker 1: or maybe I don't know how many paychecks. I had
Speaker 1: gotten a few, but they were all gone, like on rent.
Speaker 1: And I bought a bed and I bought an iPhone,
Speaker 1: and that's like it.
Speaker 2: I love that story than iPhone because why not, I mean,
Speaker 2: iPhone is essential.
Speaker 1: I just wanted a good phone.
Speaker 2: Man.
Speaker 1: I was like, I got a job, I need the
Speaker 1: phone to match. I got a mattress, no bed frame,
Speaker 1: just a mattress on the floor. Sad, sad story. But
Speaker 1: so she's got five she's got a little under five
Speaker 1: thousand dollars worth of debt. That's not that much, especially
Speaker 1: she went to a state school that's smart, and she's
Speaker 1: got about two thousand dollars saved. Like, I think you're
Speaker 1: probably in better shape than a lot of young graduates
Speaker 1: who are moving to New York City. If I can
Speaker 1: just be so bold, but I would say starting your
Speaker 1: job search before you get here is a good idea.
Speaker 1: How to get jobs, how to get well. You're pivoting
Speaker 1: from working in finance. That's the real that's the challenge.
Speaker 1: I think is like your experience. It's like I was
Speaker 1: saying earlier about the cover letter. Your experience so far
Speaker 1: tells me that you work for a financial firm as
Speaker 1: a loan representative. So what is it about you that
Speaker 1: tells me you could be a writer? I think that
Speaker 1: you're going to have to really work on a good
Speaker 1: not just a good cover letter, but embellish You're not embellish,
Speaker 1: but add additional things to your resume or cover letter
Speaker 1: that show your skills as a writer, Like you should
Speaker 1: be writing in your spare time. You should if it's
Speaker 1: not blogging, you should be trying to get freelance writing assignments.
Speaker 1: You can freelance. Shoot, you can freelance or magnify money.
Speaker 1: Email me, well see if you're if you if you
Speaker 1: have what it takes to be a you know, a
Speaker 1: financial freelance writer. But like show some clips, you know,
Speaker 1: show some experience outside of your nine to five that
Speaker 1: that tells a job, like a hiring manager, that you
Speaker 1: have the skills that we need because you're not going
Speaker 1: to get it, probably from looking at your resume. Yeah,
Speaker 1: that's how I got my job in personal finance, Like
Speaker 1: I had never been or as a writer for Business Insider.
Speaker 1: So after I lost my job, I got a job
Speaker 1: at a legal news site called All three sixty, which
Speaker 1: is like a big company now as a startup back then,
Speaker 1: and I was miserable there. I wasn't writing. I was
Speaker 1: an assistant. I was basically like the person who found
Speaker 1: ideas for the actual reporters to write, which was like
Speaker 1: super demoralizing. But I wasn't writing for like fifteen months.
Speaker 1: But I started my blog, the Bike rid So I
Speaker 1: was blogging about biking in New York City and life
Speaker 1: in New York City. And I was doing listicles and
Speaker 1: posts and covering what I loved and when the opening
Speaker 1: my business Insider came up, they read my blog and
Speaker 1: they were like, Oh, you can write totally. This is
Speaker 1: a style that we want. This is the voice that
Speaker 1: we need, even though I hadn't been doing it full
Speaker 1: time and I didn't realize it. I mean, it wasn't
Speaker 1: like my big strategy, but it definitely it helped me
Speaker 1: get through the door by having done some work outside
Speaker 1: of my nine to five that showed I could have
Speaker 1: the skills to be good in that job.
Speaker 2: And two like just in preparation just I mean, I mean,
Speaker 2: I don't you sound like you know you've got your
Speaker 2: finances pretty tight, but just tighten even more so because
Speaker 2: when you're making like any sort of big switch, especially
Speaker 2: if it's gonna affect your finances, you're gonna want to, like,
Speaker 2: I would, you know, really buckle down, like as far
Speaker 2: as being like really frugal it's not forever, and just
Speaker 2: making sure that your budget is super tight and that
Speaker 2: you you know that you have like a clear system
Speaker 2: for paying down that debt even though it's not much,
Speaker 2: but because you want to have as much space and
Speaker 2: leeway to make financial missteps when you first get here,
Speaker 2: because New York is a whole different beasts and animal,
Speaker 2: you know, And so yeah, just do as much prep
Speaker 2: work as you can. I mean, it's almost like having
Speaker 2: a baby, you know. You can take Lama's classes and
Speaker 2: do all these other things and make sure you have
Speaker 2: the crib and whatever, but there's nothing like actually moving here.
Speaker 2: But it doesn't mean that you can't prepare as much
Speaker 2: as possible.
Speaker 1: Yeah, she doesn't say what kind of debt it is,
Speaker 1: and that would really that would really influence what I
Speaker 1: was going to say next, because she's got five thousand
Speaker 1: dollars less than five thousand dollars in debt and a
Speaker 1: little under two thousand dollars in savings, and she asked,
Speaker 1: what's the realistic amount to have saved before relocating to
Speaker 1: New York City. I think realistically you could easily spend
Speaker 1: two thousand dollars on security deposit in first month's rent
Speaker 1: and kiss that money goodbye as soon as you move here.
Speaker 1: It depends on where you live, but I know my
Speaker 1: first apartment in a Story of Queens, which is like
Speaker 1: half an hour outside of Manhattan eight years ago, was
Speaker 1: eight hundred and fifty dollars a month, so you double that.
Speaker 1: That was like seventeen hundred dollars off the bat that
Speaker 1: I had to come up with to move in. And
Speaker 1: it wasn't the greatest apartment in the greatest neighborhood either.
Speaker 1: Just to give you an idea part of me and
Speaker 1: to what Tiffany was saying too about buckling down before
Speaker 1: you get here. If you have until the spring, could
Speaker 1: you pay off that debt by the springtime? Five thousand dollars?
Speaker 1: You got two thousand saved up?
Speaker 2: Are you?
Speaker 1: If you're living at home right now, you don't have
Speaker 1: any overhead expenses. You know, maybe it's worth the risk
Speaker 1: a little bit to take the savings that you have
Speaker 1: and pay off that debt. It depends on I mean again,
Speaker 1: I'll say, like that's a caveat, Like what kind of
Speaker 1: debt is it. If it's credit card debt, it probably
Speaker 1: does make more sense to take that two thousand dollars
Speaker 1: and pay it off as much as you can and
Speaker 1: then just really attack it. If it's student loan debt
Speaker 1: at a low interest rate, okay, maybe you have a
Speaker 1: bit of a case for keeping some money in savings
Speaker 1: and not you know, attacking it with the savings that
Speaker 1: you have so far and just instead steadily chip chiseling
Speaker 1: away at it over time. But I think I think
Speaker 1: you could pay off that five thousand dollars debt. But
Speaker 1: you're making good money fifty five thousand dollars a year.
Speaker 1: I think make that your goal, Like why not come
Speaker 1: here debt free, and while you're paying it down, be
Speaker 1: looking at jobs, be working on your freelance writing, be
Speaker 1: looking at looking at what types of companies you want
Speaker 1: to apply for and seeing if they have any openings.
Speaker 1: I don't think you should move here. Don't move here
Speaker 1: like I know earlier it was like, oh, follow your dream,
Speaker 1: which is true, but don't come here blind. Like know
Speaker 1: if people are hiring, get a sense of like what
Speaker 1: types of jobs are out there, Try and get some
Speaker 1: interview calls, Try and talk to you know you can,
Speaker 1: I'm not even you can email me. We can talk
Speaker 1: about what a starting salary for you know, a journalist
Speaker 1: or a reporter is, you know, in the city, to
Speaker 1: see what's realistic and then maybe make the move. But uh,
Speaker 1: I know people who have gotten jobs before they I
Speaker 1: know people who have gotten jobs, moved here without a
Speaker 1: job and just gotten one, you know, a couple months later.
Speaker 1: I I'm a little risk averse. I don't know that
Speaker 1: I would do that. I don't know that I would
Speaker 1: do that without more savings than what you have now,
Speaker 1: Like I would say six month savings, three to six
Speaker 1: month savings, and then you're in a position to move
Speaker 1: here and take your time. But with two thousand dollars savings,
Speaker 1: like I said, you can that could blow up. You
Speaker 1: could easily blow that the first month. Maybe once you
Speaker 1: have six thousand, then you're ready to come here and like,
Speaker 1: you know, hang out and see what's what. Have a
Speaker 1: bit of a cushion just in case you don't make
Speaker 1: it right away. But I think in the position you
Speaker 1: are now, give yourself more time, save up maybe five
Speaker 1: six thousand dollars cash, pay off that debt, and then
Speaker 1: you're in really good shape.
Speaker 2: Yeah, don't I agree with Mandy. Like in New York
Speaker 2: it's a crazy wild beast, and you want to have
Speaker 2: more money saved if you can't, because see a month
Speaker 2: that could be gone. I mean, who, Yeah, do your
Speaker 2: Shay New York.
Speaker 1: Just a living? I mean she lives in San Francisco.
Speaker 1: I think I don't know if she doesn't say, but
Speaker 1: just living expenses alone. She graduated from San Francisco State University. Okay,
Speaker 1: sounds like she's on the West coast. But man, just
Speaker 1: rent alone. I mean, and people in some places want
Speaker 1: first and last months and security like that's it's easy
Speaker 1: startup money. Like in New York, it's not even yeah,
Speaker 1: or come to Jersey. But with Tiffany, I'm sure apartments
Speaker 1: are a lot more affordable in Newark than probably Queen's
Speaker 1: or Brooklyn.
Speaker 2: Mm hmm, exactly think about that too, Like there are
Speaker 2: some neighboring like cities that you can get to New
Speaker 2: York really quickly without necessarily having to live there right away.
Speaker 1: Yeah.
Speaker 2: Even Kanye lived in Newark for a little while before
Speaker 2: he blew up.
Speaker 1: Oh he did.
Speaker 2: I just found that out, like the other daysone was
Speaker 2: like yeah that, like when he was still like you know,
Speaker 2: first album producing and like trying to like, you know,
Speaker 2: really solidify his career. He lived in Newark for a
Speaker 2: little bit.
Speaker 1: Who'd have known? All Right, Miss Brittany, good luck, I'm
Speaker 1: not kidding. Email me, email us again. I'll email you
Speaker 1: back if you have any more specific tips about starting
Speaker 1: your writing career in New York City. Yeah, and that's it.
Speaker 2: That's it.
Speaker 1: Thanks, great question.
Speaker 2: Yeah, yeah, spend more. We like answering questions. Love it. Now.
Speaker 2: All I do is win, win, win, no matter what.
Speaker 2: What wins do you have? I have one.
Speaker 1: I had one win exactly. Is that enough?
Speaker 2: Yes? I think I think that's enough.
Speaker 1: I'm gonna win the cover of Time magazine this week. Yes,
Speaker 1: have you seen it, the totem Pole of Magic.
Speaker 2: No, yes, I didn't see it.
Speaker 1: Oh, it's amazing, it's amazing.
Speaker 2: I saw that. I was like, ooh, yike's my bad.
Speaker 2: My husband just walked in the room. He gave me
Speaker 2: a look like so I was supposed to put Alissa's
Speaker 2: Supergirl's Christmas presents up and I forgot he walked in
Speaker 2: the room, like she just saw them. I'm like, oh,
Speaker 2: I'm a powerful Why are you you have one job?
Speaker 2: One job? So of course she came in, was like
Speaker 2: act I heard screaming down theirs. I guess she got
Speaker 2: excited because they're unwrapped, and I was supposed to hide
Speaker 2: them in the room and I did it.
Speaker 1: Oh no, you're gonna have some fun stuff to deal
Speaker 1: with after this show's over.
Speaker 2: She just looked through me he gave me. You know,
Speaker 2: people give you the eye squint like and just shook
Speaker 2: his head like, honestly, Typy, you had one job to do,
Speaker 2: put the presence up. It's like, I looked at Hi.
Speaker 2: I'm like, what's the big Ooh? Is that what the
Speaker 2: squealing was? Uh, it's only one. It was just a
Speaker 2: couple because she has more than one. It was. It
Speaker 2: wasn't like a big you know. Yeah, I'm telling myself
Speaker 2: that as I'm like, yeake, preparing a big deal. It's
Speaker 2: fine now, So what was your way to get up? Sorry?
Speaker 1: It was the Majestic Totem poll on the cover of
Speaker 1: Time magazine. Yes, with uh, Mindy Kaling, Oprah Winfrey, Reese, Witherspoon,
Speaker 1: and Storm read from Ava du Verne's upcoming film A
Speaker 1: Wrinkle in Time, which I ConFlat to see.
Speaker 2: Yeah. No, honestly, it does look super super super often.
Speaker 1: The future is female.
Speaker 2: Yeah, somebody said. Somebody was like that. It looked like
Speaker 2: the death ro cover from Vibe magazine or the source.
Speaker 2: Do you remember, You're like google death Row cover. It's Tupac.
Speaker 2: It's what is his name? The Biggest Sugar Night? No,
Speaker 2: Tupac Suge Night. And I think I think stoop Dogg
Speaker 2: is on it, but they're wearing all black like that.
Speaker 2: When you see it, you're gonna laugh hysterically. Night.
Speaker 1: Didn't he guilt tupac or something? What am I am?
Speaker 1: I wrong?
Speaker 2: Well, you know, well that's the that's they didn't post
Speaker 2: for it.
Speaker 1: Oh I see, I see, Yeah, you're right. This is
Speaker 1: a photoshop. They didn't post the side by side Okay,
Speaker 1: got it.
Speaker 2: Yeah, but it's just funny because it's all black and stuff.
Speaker 2: People are just like, huh, this looks like a source
Speaker 2: magazine cover. No, but that definitely is a huge win.
Speaker 2: My win is gonna go to my baby sister because
Speaker 2: she found a job that she really likes. So she's
Speaker 2: been working two jobs for like I don't know, like
Speaker 2: a year or so now, one job on the weekend.
Speaker 2: This is so like millennial. One job on the weekend
Speaker 2: for for insurance, and then the other job because she
Speaker 2: was really interested in that job, but it was a lot,
Speaker 2: you know, working seven days a week. It's crazy. And
Speaker 2: so we were talking about it and she wasn't happy
Speaker 2: at one of the jobs anymore, and she just was like,
Speaker 2: I don't you know, I don't want to be here.
Speaker 2: I came here. It's kind of a startup, but it
Speaker 2: just wasn't what she expected. And you know, and you know,
Speaker 2: she just was Now that she's like getting older, she's
Speaker 2: in her late twenties, she's not as I guess, I
Speaker 2: don't know. I was surprised that she just didn't quit,
Speaker 2: because like that's the old her, Like I'm out, I
Speaker 2: hate it, you know, But she was like, no, I'm
Speaker 2: older now, I have bills and things, you know, I
Speaker 2: don't feel comfortable. Yeah. I was actually really surprised, but
Speaker 2: I told her. I was like, you know what, you
Speaker 2: have choices, and she's like, I feel like I don't.
Speaker 2: And I said, you do that, you know, apply for
Speaker 2: different places and ask yourself what you really want. And
Speaker 2: I put some feelers out there, and I'm always till
Speaker 2: she signed her papers to say where, because we actually
Speaker 2: know her. Woman that ended up hiring her, she's like
Speaker 2: she basically was gonna be a baby bedg atie stuff
Speaker 2: for another company, which I thought was awesome because it'll
Speaker 2: help her like reinforce the lessons that she's learned from
Speaker 2: me and my dad. And so she's super excited because
Speaker 2: it pays really well. It pays more than her two
Speaker 2: jobs combined. And there's health insurance, And I said, look
Speaker 2: at you. So this to me, this is like her
Speaker 2: first like not first real job, but you know, like woohoo,
Speaker 2: like I'll get insurance and good pay, look at life.
Speaker 2: So I'm just really proud of her. It's for like,
Speaker 2: you know, like sticking with it and taking the leap
Speaker 2: and doing what she needed to do. Her cover letter
Speaker 2: was bombed, her resume was bombed. She did a great interview,
Speaker 2: like I made the introduction, but there was no guarantee.
Speaker 2: And there's something that this job did that I thought
Speaker 2: was really interesting and most jobs should do that. This
Speaker 2: position had her do not an internship or an apprenticeship
Speaker 2: where they said, okay, we know you have a regular job.
Speaker 2: What days two days a week, are you free after
Speaker 2: work or before work or whatever to come and basically
Speaker 2: work with us. We'll pay you, but basically, like you know,
Speaker 2: work with us, and it's an apprenticeship. So if you
Speaker 2: can decide whether you like us, and we can decide
Speaker 2: if we like you, and now if it doesn't work,
Speaker 2: then you don't have to quit where you are and
Speaker 2: we just move on. But isn't that so genius?
Speaker 1: Yeah, we do something like that with some people. We
Speaker 1: do like a test run, so like producers, we would
Speaker 1: have a producer come in and do a freelance project,
Speaker 1: pay them. But it's like a good it's and some
Speaker 1: some people think it's frustrating because it's like, oh, I
Speaker 1: just want a full time job. But I think, get smart.
Speaker 1: It's much painful to get rid of a contract, like
Speaker 1: a contractor than a full time person exactly.
Speaker 2: So during ther apprenticeship, you know that you're just basically
Speaker 2: it was literally just a few weeks, like three weeks,
Speaker 2: two days a week, and she went in and she
Speaker 2: was like, oh, I really do like it because you know,
Speaker 2: you never know what you're actually going to be doing
Speaker 2: it to, you know what you're actually going to be
Speaker 2: doing to do it. And so she enjoyed it, and
Speaker 2: they enjoyed her, so they made her an offer. So
Speaker 2: I was like, yay, what a great way to start
Speaker 2: the new year with a new job that you're excited about.
Speaker 2: So yeah, congratulations baby Lisa. Not to be her former
Speaker 2: boss is listening, Oh wow, you lost a good one.
Speaker 1: I just I just saw a headline and I'm like, dang,
Speaker 1: this will have been a good win. Too, but I
Speaker 1: have to say, so I just read that you know
Speaker 1: me too. The movement that was so the movement has
Speaker 1: just sort of caught on this past spring. But the
Speaker 1: founder of it is an African American woman named Tarana Burke.
Speaker 1: She's going to be leading the New York City ball
Speaker 1: drop from New Year's Eve. Yeah, it's usually likes Ryan
Speaker 1: Seacrest and bad Maria carry lips thinking this is like
Speaker 1: it's never really been political till now. But that's awesome.
Speaker 2: Yeah, No, that is awesome. Wow, Okay, I love that
Speaker 2: she's getting her shine on.
Speaker 1: Yeah, because there was a lot of controversy because she
Speaker 1: wasn't on the cover of Time magazines People of the
Speaker 1: Year issue, which I totally I don't know what the
Speaker 1: hell they were thinking not putting her on the cover.
Speaker 1: So it's nice that she gets her shine, like you said, Yeah, yeah, Tonta.
Speaker 2: Someone was like somebody said Time Woman of the Year
Speaker 2: or Time one of the Time Persons of the Year.
Speaker 2: Her name is Swanna Atlanta Mayor. Her name is Keisha.
Speaker 2: Yes black girl magic hell.
Speaker 1: Yeah that we had some first black female mayors get
Speaker 1: elected in this past or is it not marriage? Maybe
Speaker 1: I forget now One in Charlotte, North Carolina. I think
Speaker 1: she's the first African American black Uh yeah, black female
Speaker 1: mayor in Carolina. I'm gonna tell real quick learning tree
Speaker 1: is based.
Speaker 2: Yes, well, while you're while you're checking, everybody, say a
Speaker 2: little put some good energy out there, pray or whatever that.
Speaker 2: So remember that budget needs to law that I was
Speaker 2: working on with a friend of mine who's a councilwoman
Speaker 2: in Jersey City. Yes, and so the budget needs Yeah.
Speaker 2: So it hasn't passed yet because there's you know, it's
Speaker 2: a really good civics lesson about it has to go
Speaker 2: to the committee and then the House, and so it
Speaker 2: just got voted on to be voted on by the Senate,
Speaker 2: so the whole Senate floor in New Jersey centate. I
Speaker 2: didn't realize that they were like senators, like fat federal senators,
Speaker 2: and I didn't realize there were state senators. So all,
Speaker 2: I guess it's like forty I think New Jersey state
Speaker 2: senators are going to be voting on the bill soon.
Speaker 2: And then after they vote, if they vote yes, so
Speaker 2: I think I need twenty one votes. If they vote yes,
Speaker 2: then it literally goes to Governor Christie's desk, So there's
Speaker 2: only two more steps for this bill that would make
Speaker 2: it mandatory for kids to learn financial education in elementary
Speaker 2: and middle school, not just high school, but literally for
Speaker 2: the entirety of your academic career while you're in public school.
Speaker 2: This bill would make that mandatory.
Speaker 1: So I know, two more steps, singers crossed.
Speaker 2: Yes, Budget East the bill. It's really like Bill A
Speaker 2: two three, four, five sets, but we call it the
Speaker 2: budgetiest the bill. They wouldn't call it that officially, which
Speaker 2: I'm like, whatever, haters, But it's fine.
Speaker 1: Man, Okay, Yes, it is Charlotte, just Charlotte, North Carolina.
Speaker 1: Like I said, its first female African American mayor, which
Speaker 1: is awesome by Lyles.
Speaker 2: Yes, all this brown sugar everywhere.
Speaker 1: Yeah, let's think about the positive things of the year
Speaker 1: moving forward. How Yeah, this is our last show before Christmas,
Speaker 1: So Merry Christmas, yes, Mary Christen and I guess we'll
Speaker 1: be back the week after New Year's Yep.
Speaker 2: By then the literature Challenge will have started and people
Speaker 2: will be raising their net worth. Woo woo woo.
Speaker 1: Exciting. This is an exciting time of year. I tried
Speaker 1: to get cynical. I'm like, why not start fresh? It's nothing, nothing,
Speaker 1: you know, wrong with trying to start fresh and put
Speaker 1: your best foot forward in the new year, even if
Speaker 1: you might you know, break your you know your your plans.
Speaker 1: A few months later, it's fine. You tried, yeah, try.
Speaker 2: Two weeks later they're like, yeah, I'm over it all right. Well,
Speaker 2: Happy New Year, and Merry Christmas and happy holidays to
Speaker 2: everyone listening. We truly appreciate you allowing us to enter
Speaker 2: into your earbuds another year.
Speaker 1: So well said, I hate that way.
Speaker 2: It just came from nowhere. I don't know where it came.
Speaker 1: F I'm not even gonna say anything else. I don't
Speaker 1: want to ruin the moment. Merry Christmas. I'm grateful for you,
Speaker 1: Miss Tiffany, and I go I'll see you next year.
Speaker 2: Yes, I'm grateful for you as well.
Speaker 1: Good luck with that whole situation downstairs. Bye bye,