WEBVTT - Ep. 65 — Live Richer (and Debt Free!) in 2017 0:00:16.239 --> 0:00:17.400 And we're back. 0:00:17.560 --> 0:00:18.440 Did you miss us? 0:00:18.520 --> 0:00:20.640 I know I missed you guys. Sorry for that noise. 0:00:20.840 --> 0:00:23.320 I was adjusting my chair so I can get comfy. 0:00:23.560 --> 0:00:27.800 Happy New Year, I'm happy New Year. The people have 0:00:27.920 --> 0:00:30.000 been thirsting for the podcast today. 0:00:30.480 --> 0:00:31.920 We have not been here so long. 0:00:32.000 --> 0:00:33.920 Honestly, even though like I'm not gonna lie, me and 0:00:33.960 --> 0:00:34.919 Maddie have seen each other. 0:00:35.040 --> 0:00:38.920 We just just by ourselves. We just needed alone time, 0:00:38.960 --> 0:00:44.040 you guys just need we needed to get back to us, 0:00:44.120 --> 0:00:46.400 you know, and like just connecting. 0:00:45.960 --> 0:00:49.320 Again, like get back to why we all started. 0:00:49.479 --> 0:00:53.479 And I shouldn't know, but honestly, there's been so many, 0:00:53.720 --> 0:00:57.200 so much awesomeness in Shenanigans, and I have just been 0:00:57.200 --> 0:01:00.200 bursting to share. So I cannot wait to get started. 0:01:01.040 --> 0:01:03.480 Yeah. Yeah, So how is your New Year? 0:01:04.200 --> 0:01:06.959 Say? It was really good. My Christmas was great. 0:01:07.040 --> 0:01:10.080 I spent it with of course the Supers, but also 0:01:10.160 --> 0:01:13.440 my family, my other family, dearly Chase. 0:01:13.640 --> 0:01:16.000 And then my New Year is really great. 0:01:16.319 --> 0:01:19.520 Superman's sister had a cute party at her house and me, 0:01:19.760 --> 0:01:23.000 Supergirl and him. We all wet and the food was amazing. 0:01:23.319 --> 0:01:25.080 Wait, was Supergirl had a New Year's party? 0:01:25.560 --> 0:01:25.760 Well? 0:01:25.800 --> 0:01:28.640 No, Superman's sister had a New Year's Okay, I'm like, 0:01:30.680 --> 0:01:34.679 she's nine, no, ten, going on fifty four, and yeah, 0:01:34.720 --> 0:01:37.920 so it was honestly, it was just a really good holiday, 0:01:38.480 --> 0:01:41.920 kind of like breaking weekend and yep, so I mean 0:01:41.920 --> 0:01:42.520 it was perfect. 0:01:42.520 --> 0:01:43.080 What about you. 0:01:43.560 --> 0:01:45.080 I remember when I used to leave the house on 0:01:45.120 --> 0:01:49.960 New Year's Eve, put on shoes that were open and 0:01:50.600 --> 0:01:54.600 tides and do my hair. Yeah, those days are gone. 0:01:54.680 --> 0:01:56.840 I love not leaving the house. So we've started a 0:01:56.840 --> 0:01:59.160 new tradition where every New Year's Eve, I have this 0:01:59.200 --> 0:02:02.640 group of friends. We do camping in July, fourth of 0:02:02.720 --> 0:02:04.560 July and then we do New Year's Eve together. Those 0:02:04.560 --> 0:02:07.360 are our two holidays and so that we always switch. 0:02:07.760 --> 0:02:10.239 Like the location. This year, we went down to one 0:02:10.240 --> 0:02:14.760 of the couple's houses on and Asbray Park, New Jersey, 0:02:14.800 --> 0:02:17.440 which is right on the boardwalk and it's a really 0:02:17.480 --> 0:02:19.840 cute little old town. It kind of reminds me of 0:02:19.880 --> 0:02:21.799 the South because all the houses are like big, kind 0:02:21.840 --> 0:02:24.440 of colonial style, I mean, right in the beach. Not 0:02:24.480 --> 0:02:26.080 that we were on the beach, but just had a 0:02:26.080 --> 0:02:30.639 good time. We just played games and watched my girl Mariah. 0:02:31.080 --> 0:02:34.679 Oh yeah, that's all I know, It's all. This is 0:02:34.720 --> 0:02:36.720 all old news. But you guys know we've been gone 0:02:36.720 --> 0:02:40.080 for a while. No, I had a great Christmas. We 0:02:40.080 --> 0:02:43.560 were in Wisconsin, I know, doing things. We were, it 0:02:43.600 --> 0:02:46.160 was it snowed. It was like a perfect little white Christmas. 0:02:46.240 --> 0:02:48.520 It was nice because I don't know about you, but 0:02:49.120 --> 0:02:51.920 well you have the the fortune of having like family 0:02:52.000 --> 0:02:55.960 in the same state as your fiance. But you know, 0:02:56.000 --> 0:02:58.720 we're all over the place, Georgia, New York and Wisconsin. 0:02:58.840 --> 0:03:01.880 So this year my mom's year, and I was quite 0:03:01.919 --> 0:03:03.840 happy because you know, I didn't do very well last year, 0:03:03.919 --> 0:03:06.680 not going home for I was like a big baby. 0:03:08.160 --> 0:03:11.760 So it was really good to see her and I 0:03:11.760 --> 0:03:13.360 I'm not going to brag, but I got her the 0:03:13.360 --> 0:03:16.600 most amazing Christmas gift. You think, I've never been more excited. 0:03:16.600 --> 0:03:19.760 So I bought this in August. I got her tickets. So, 0:03:19.919 --> 0:03:22.000 first of all, backstory, When I was ten, my parents 0:03:22.080 --> 0:03:25.040 got divorced. This was like how in the mid nineties, 0:03:25.639 --> 0:03:27.480 and who was like the biggest diva singer in the 0:03:27.520 --> 0:03:30.960 midnight besides Mariah and Whitney. It was Celine Dion and 0:03:31.000 --> 0:03:33.400 my mom and I were like obsessed with Selene Dion. 0:03:33.560 --> 0:03:35.720 She was like the soundtrack to the divorce and like 0:03:35.800 --> 0:03:38.560 female empowerment afterward, and we would like cruise around in 0:03:38.560 --> 0:03:43.560 the minivan and listen to Selene and anyway, so she went, 0:03:43.720 --> 0:03:46.240 she's coming back to Vegas. She's back in Vegas this year. 0:03:46.280 --> 0:03:48.080 So I got my mom and I tickets to go 0:03:48.160 --> 0:03:51.080 see uh Seline Dion in Vegas in February. 0:03:51.160 --> 0:03:52.960 Ooh nice. 0:03:53.160 --> 0:03:54.000 She lost her mind. 0:03:54.040 --> 0:03:54.840 She was so excited. 0:03:55.040 --> 0:03:57.760 Well, she was like so excited she was she went 0:03:57.800 --> 0:03:59.960 into shock. And I was like, you know, I was expecting, like, 0:04:00.280 --> 0:04:03.680 oh my god, you're the best daughter brother, but she 0:04:03.880 --> 0:04:06.240 like she did. She was like so shocked. It was 0:04:06.360 --> 0:04:09.320 like she she got really quiet, and it was very 0:04:09.320 --> 0:04:10.440 scary for a little bit there. 0:04:10.440 --> 0:04:12.280 But they're like, wait a minute, now you are right. 0:04:13.280 --> 0:04:17.520 She's like what does this mean? I think she was 0:04:17.560 --> 0:04:19.440 too excited. She was like afraid that it meant what 0:04:19.520 --> 0:04:21.040 she wanted it to mean. And I was like, it 0:04:21.080 --> 0:04:24.640 means what the tickets say. It means we're going, So 0:04:24.800 --> 0:04:26.440 that's gonna be fun. I'm excited. 0:04:26.680 --> 0:04:28.040 Isn't it the best? Though? 0:04:28.040 --> 0:04:31.160 When you like come up with a really great present, 0:04:31.360 --> 0:04:33.640 not because of the expensive it or anything else, it's 0:04:33.680 --> 0:04:35.960 just because it's like the perfect fit for the person 0:04:35.960 --> 0:04:36.560 you're giving it to. 0:04:36.680 --> 0:04:37.360 That's the best. 0:04:37.600 --> 0:04:40.880 Yeah, I got really, I get like really like uh 0:04:41.120 --> 0:04:43.680 not snotty, but like a cock not cocky, but you know, 0:04:43.720 --> 0:04:45.560 I like feel I'm like, yeah, I got it this year. 0:04:45.600 --> 0:04:47.400 This year, I did it. Did a good job. You know, 0:04:47.880 --> 0:04:51.240 there's always like the off years. But yeah, I'm super stoked. 0:04:51.560 --> 0:04:54.400 She deserves it, she said, she's a good lady. We're 0:04:54.400 --> 0:04:56.720 gonna have fun. We're gonna cry. We're already crying. We're 0:04:56.760 --> 0:04:59.760 watching YouTube videos of it, like, oh, going back. 0:05:00.400 --> 0:05:02.479 I just looked down Mandy and I forgot my ring. 0:05:02.600 --> 0:05:02.960 Darn it. 0:05:03.560 --> 0:05:05.080 So how do you got your ring? Where? 0:05:05.640 --> 0:05:06.599 Oh? No? 0:05:06.600 --> 0:05:09.599 No, So last night I washed my hair and like 0:05:09.680 --> 0:05:11.360 I was like watching it, and it kept getting to 0:05:11.440 --> 0:05:13.239 have locks, you know, and it kept getting like snagged 0:05:13.240 --> 0:05:15.760 on my locks, I said, and I literally like, never 0:05:15.800 --> 0:05:17.400 take it off. So I was like, oh, I took 0:05:17.440 --> 0:05:18.960 it off and put it on the window sill because 0:05:18.960 --> 0:05:20.320 I was like, you know what, this is just gonna 0:05:20.360 --> 0:05:21.039 rip up my hair. 0:05:21.480 --> 0:05:23.599 And then when I was waiting a second, that's like 0:05:23.680 --> 0:05:26.720 the beginning of a really terrible comedy movie, is when 0:05:26.720 --> 0:05:29.600 she puts the engagement ring on a windowsill. 0:05:30.400 --> 0:05:32.000 No, but at the house obviously, because you know, I 0:05:32.000 --> 0:05:33.840 was watching my hair in my own shower. And then 0:05:33.920 --> 0:05:35.960 last night when I got into bed, I said, oh, babe, 0:05:36.000 --> 0:05:37.800 I should get up. I forgot my ring on the windowsill. 0:05:38.040 --> 0:05:39.760 He was like, it's on the windowsill. It's fine, don't 0:05:39.760 --> 0:05:40.360 worry about it. 0:05:40.720 --> 0:05:43.119 Of course, it's on a windowsill. Anything could happen. 0:05:43.760 --> 0:05:45.679 And then I woke up, of course, and I forgot, 0:05:46.120 --> 0:05:47.520 and I went I taped them. 0:05:47.920 --> 0:05:50.479 I was on ABC seven this morning taping about like 0:05:50.560 --> 0:05:51.599 credit tips or whatever. 0:05:51.920 --> 0:05:54.599 Forgot the ring. I just looked down still forgot. I said, 0:05:54.600 --> 0:05:56.080 this is why I like taking it off. 0:05:57.480 --> 0:05:59.560 Yeah, I learned early on you do not take it off. 0:05:59.600 --> 0:06:00.960 I used to put it in my pocket when I 0:06:01.080 --> 0:06:03.600 wash my hands, and and then I would have these 0:06:03.839 --> 0:06:05.680 moments of terror when I looked down in my hands 0:06:05.680 --> 0:06:06.920 and it wasn't there, and I was like, oh my god, 0:06:06.920 --> 0:06:08.640 the ring isn't there. Word I put it in. It's lost. 0:06:08.640 --> 0:06:10.360 It's lost. Oh my god, it's gonna be some Oh 0:06:10.360 --> 0:06:11.200 it's in my pocket. 0:06:11.240 --> 0:06:13.440 Oh yeah, I'm gonna have to figure out how to 0:06:13.480 --> 0:06:15.960 wash my hair with the ring because I'm like now, 0:06:16.000 --> 0:06:18.080 I'm like, Tiffany, You're never gonna remember when you I 0:06:18.120 --> 0:06:20.760 need to, like wright on my hand, do not forget 0:06:20.800 --> 0:06:22.839 to take the ring off the window sill in the 0:06:22.839 --> 0:06:25.960 bathroom because I was like, I. 0:06:25.920 --> 0:06:27.080 Should have never listened to Superman. 0:06:27.160 --> 0:06:29.640 Now I'm on TV just flashing my bare hand like 0:06:29.720 --> 0:06:30.640 I'm available. 0:06:31.880 --> 0:06:32.240 Please. 0:06:34.480 --> 0:06:35.480 That's exactly what he said. 0:06:35.520 --> 0:06:40.200 He was like, girl, bye, that's what happens when you're 0:06:40.200 --> 0:06:45.200 not man. If that were the case, everyone will be good. Yeah, 0:06:45.240 --> 0:06:46.479 you gotta put it on. You just have to like 0:06:46.600 --> 0:06:48.520 learn to do like it used to bother me when 0:06:48.520 --> 0:06:51.159 I slept too. But I'm I just I will everything 0:06:51.160 --> 0:06:53.640 I take off of my person I lose, So I'm 0:06:53.680 --> 0:06:56.359 not leaving it to chance. Although I did add it 0:06:56.400 --> 0:06:59.640 to my renter's insurance policy just in case. So if 0:06:59.680 --> 0:07:00.360 even that. 0:07:00.400 --> 0:07:02.840 Yet, yeah, we need so I don't even think about that. 0:07:08.520 --> 0:07:08.920 All right. 0:07:09.000 --> 0:07:13.600 So I'm super excited because I got my first sponsored 0:07:13.760 --> 0:07:18.040 opportunity for the impending wedding slash. I don't know elopement, 0:07:18.120 --> 0:07:20.680 because y'all know I'm not trying to I'm not thin 0:07:21.120 --> 0:07:23.720 to have some big old wedding. But so I want 0:07:23.760 --> 0:07:26.520 to go to Justice of the Piece like this month 0:07:26.600 --> 0:07:29.320 or next month. And but I do want to have 0:07:29.360 --> 0:07:32.560 some sort of reception, like some sort of like Sunday 0:07:32.600 --> 0:07:35.800 brunch where I can wear my dress again sometime in 0:07:35.800 --> 0:07:37.440 the spring, not because I really don't like cool weather. 0:07:37.920 --> 0:07:41.280 And so I met this young woman named Andrea. She 0:07:41.440 --> 0:07:43.840 has a brand called Pantora Bridle. 0:07:45.480 --> 0:07:48.560 Right, yes, she's really young, but so dope. 0:07:48.600 --> 0:07:51.559 She actually just got married last year and her stuff 0:07:51.600 --> 0:07:54.360 is amazing. And so I met her at the Kotier Retreat, 0:07:54.920 --> 0:07:57.360 which is hosted by Munoluchi Bridle. 0:07:57.440 --> 0:07:58.280 They do it every year. 0:07:58.280 --> 0:08:01.160 I think it's their thirty year and it's a retreat 0:08:01.240 --> 0:08:04.760 for wedding professionals who service brides of color and so 0:08:04.840 --> 0:08:07.280 it's great and I was a speaker two years in 0:08:07.320 --> 0:08:09.720 a row and it's just been it was amazing. 0:08:09.720 --> 0:08:12.160 And I met Andrea there. We became cool. 0:08:12.360 --> 0:08:14.280 And when she saw that, I got engaged because she 0:08:14.280 --> 0:08:17.240 actually met Superman on the retreat because I brought him 0:08:17.240 --> 0:08:21.440 both times as like my guest, and so she actually 0:08:21.440 --> 0:08:25.440 Andrea actually got engaged at at the at the retreat 0:08:25.440 --> 0:08:28.040 in the Bahamas, that's where it was in twenty fifteen. 0:08:28.120 --> 0:08:30.240 She got engaged, surprise, engaged there. So it was just 0:08:30.240 --> 0:08:33.480 really beautiful and so as a result, she'said, oh my god, 0:08:33.480 --> 0:08:35.480 you're engaged, you know, let me hook you up with 0:08:35.520 --> 0:08:40.079 a dress. And I said, I mean, okay, so that's happening. 0:08:40.120 --> 0:08:41.200 So I'm excited to time. 0:08:41.240 --> 0:08:42.679 Mean, is she gonna make you one or do you 0:08:42.679 --> 0:08:44.600 get to just pick one out? I don't know. 0:08:44.760 --> 0:08:47.200 Honestly, I don't know. I don't I think I'm gonna Honestly, 0:08:47.240 --> 0:08:49.120 I think I get to borrow one, whatever it is, 0:08:49.120 --> 0:08:51.280 because honestly, I don't necessarily want to keep some dress 0:08:51.320 --> 0:08:52.199 forever and ever and ever. 0:08:52.640 --> 0:08:54.440 I'm not all that sentimental, as you can tell. 0:08:54.840 --> 0:08:57.560 So she's me either, thank you. My mom's like, aren't 0:08:57.600 --> 0:08:59.680 you in a dryer bouquet? I'm like, who the mom? 0:09:00.000 --> 0:09:02.040 I had all three of your bouquets and where did 0:09:02.040 --> 0:09:02.319 that get? 0:09:04.880 --> 0:09:05.080 Right? 0:09:05.360 --> 0:09:08.079 So, but I'm excited because I mean, I don't obviously 0:09:08.120 --> 0:09:11.320 she's gonna fit it to my body. So because she's like, 0:09:11.360 --> 0:09:13.560 you know, we can do something for your elopement and 0:09:13.600 --> 0:09:16.199 then we can like like tailor rich for something a 0:09:16.240 --> 0:09:19.200 little bit different that same dress or something like that 0:09:19.240 --> 0:09:21.600 for your for the actual like reception slash, you know, 0:09:21.679 --> 0:09:23.719 like kind of official wedding in the spring. So I'm 0:09:23.760 --> 0:09:26.200 just excited because that's like one major thing off my 0:09:27.240 --> 0:09:28.319 off my plate. 0:09:28.440 --> 0:09:29.800 My yeah, that's the. 0:09:29.880 --> 0:09:33.640 Least that's that's awesome because you don't mean to tell 0:09:33.679 --> 0:09:37.920 you what a horrible experience that was, but that's awesome. 0:09:38.000 --> 0:09:39.640 So do you have to like what instagram at or 0:09:39.679 --> 0:09:43.960 something or give her a shout out? What's there's contract? 0:09:43.679 --> 0:09:44.599 Honestly, there hasn't been it. 0:09:44.720 --> 0:09:46.720 She just was like, I would love to, like, you know, 0:09:46.840 --> 0:09:49.240 let you borrow something where And I was like, okay, 0:09:49.559 --> 0:09:51.320 I mean I'm assuming, you know, I'm sure when I 0:09:51.360 --> 0:09:53.320 go to go try on dresses, I'll do like a 0:09:53.360 --> 0:09:54.959 whole you know thing about it. 0:09:55.200 --> 0:09:56.119 It's on social. 0:09:55.880 --> 0:09:59.960 Media of her idle dot com. 0:10:00.360 --> 0:10:02.000 Yes, and remember I told you about her when you 0:10:02.000 --> 0:10:03.920 were looking for dresses and you were looking for dresses 0:10:03.920 --> 0:10:06.760 for women with curves. And I was like, well, you know, 0:10:06.840 --> 0:10:10.880 I've seen the women that she's dressed and they're all beautiful, brown, 0:10:10.960 --> 0:10:14.680 curvy women because she herself is a woman of color, 0:10:14.679 --> 0:10:17.120 although Andrew is pretty thin, but still like, she's a 0:10:17.120 --> 0:10:20.120 woman of color. So she just really understands like, Okay, 0:10:20.480 --> 0:10:22.880 this is how you're built and you're beautiful, and let's 0:10:22.960 --> 0:10:26.040 enhance that. And so all her dresses actually really celebrate 0:10:26.080 --> 0:10:27.840 curves rather than downplay them. 0:10:27.840 --> 0:10:29.120 That's what I love about her stuff. 0:10:29.559 --> 0:10:32.080 Gotcha. Yeah, I found the perfect dress, but it just 0:10:32.120 --> 0:10:34.400 took way longer than it should have. So bless her, 0:10:34.440 --> 0:10:36.959 bless anybody like her. Smart lady. 0:10:37.480 --> 0:10:37.720 Yeah. 0:10:37.800 --> 0:10:41.280 So yeah, that's the like adventures of wedding hood. I think, honestly, 0:10:41.320 --> 0:10:43.080 if we do do justice of the peace. I was thinking, 0:10:43.120 --> 0:10:46.080 like just to be corny, maybe like Valentine's Day weekend 0:10:46.240 --> 0:10:46.880 or like, you know. 0:10:47.200 --> 0:10:52.360 It's a corny why not I So I was just 0:10:52.400 --> 0:10:54.120 like it might be busy, but you know. 0:10:54.120 --> 0:10:55.280 I know right, that's what I was thinking. 0:10:55.320 --> 0:10:56.760 So I had to call City Hall and be like 0:10:56.840 --> 0:10:58.400 so because I was like, you know, I would love 0:10:58.400 --> 0:11:00.800 to wear a pretty dress, get my face downe put 0:11:00.800 --> 0:11:03.120 my hair up in a bun like looking super cute. 0:11:03.120 --> 0:11:05.160 So I mean, I do want pictures and stuff. I 0:11:05.240 --> 0:11:07.280 just don't want the huge fanfare. 0:11:07.440 --> 0:11:10.160 It's it's almost it just sounds so romantic, just the 0:11:10.200 --> 0:11:13.160 two of you, you know, and a judge and you're 0:11:13.240 --> 0:11:16.160 just you know, declaring your love for each other. Do 0:11:16.160 --> 0:11:17.920 you think you're going to be nervous? 0:11:19.000 --> 0:11:21.960 I don't know, I think so honestly. Now you just 0:11:22.040 --> 0:11:23.920 never know how you're going to react until you get there. 0:11:24.840 --> 0:11:27.079 I'm constantly I'm in, well, this is what happened. I 0:11:27.160 --> 0:11:29.200 knew it was going to happen after the new year. 0:11:29.240 --> 0:11:31.600 I knew that everything was going to get real real 0:11:31.679 --> 0:11:35.080 because you know, the wedding is coming up first week 0:11:35.120 --> 0:11:37.360 of April, and but in my mind, April is the 0:11:37.360 --> 0:11:39.600 fourth month. So I've been thinking, I have four months. 0:11:39.679 --> 0:11:41.560 Do you know that's dumb because I only have three. 0:11:42.280 --> 0:11:45.960 You only have three months. Invitations hadn't been sent out. 0:11:46.080 --> 0:11:47.640 I just had it in my mind I was going 0:11:47.679 --> 0:11:51.400 to do everything in the new year. And but you know, 0:11:51.760 --> 0:11:55.880 the the I'm prepared, like I've got all the big stuff, 0:11:55.880 --> 0:11:57.959 and I'm like very organized and happy, and I've been 0:11:58.400 --> 0:12:00.839 I just called the venue last week and I negotiated 0:12:00.880 --> 0:12:04.200 down the price of our liquor, and I negotiated some 0:12:04.640 --> 0:12:08.480 freebies or giving us like free center pieces, and that's nice. 0:12:09.000 --> 0:12:10.920 I just started looking at my my wedding budget and 0:12:10.960 --> 0:12:13.520 I was like, something's got to give, and some places 0:12:13.559 --> 0:12:18.120 so we are. We hired a really expensive photographer and 0:12:18.120 --> 0:12:21.800 he charges like crazy. He's like insane for his videography 0:12:21.840 --> 0:12:25.360 fees or like five thousand dollars. So Savannah happens to 0:12:25.559 --> 0:12:29.080 be the home of a art school called Savannah College 0:12:29.080 --> 0:12:29.760 of Art and Design. 0:12:30.120 --> 0:12:32.880 OKAYCAD hasn't heard of it. 0:12:33.200 --> 0:12:35.080 Yeah, there's it's a it's it's a pretty well known 0:12:35.160 --> 0:12:37.000 art school. And there's one in Atlanta too, and a 0:12:37.000 --> 0:12:39.600 branch of it in Atlanta. But I a while back, 0:12:39.640 --> 0:12:40.840 I had it in my mind, you know, if we 0:12:40.880 --> 0:12:43.560 can't afford a real photographer, I'll just, you know, maybe 0:12:43.600 --> 0:12:45.840 we'll reach out to someone at SCAD. I put up 0:12:45.880 --> 0:12:48.800 a posting on the SCAD career website and it didn't 0:12:48.880 --> 0:12:50.840 It wasn't so hard. I just had to like submit 0:12:50.880 --> 0:12:53.480 it for approval. And I was just seeking, you know, 0:12:53.600 --> 0:12:58.800 amateur videographer photographer students. And I got some resumes back, 0:12:58.800 --> 0:13:00.320 but I didn't think anything about it. So I went 0:13:00.360 --> 0:13:02.959 and I dug them all all the old emails, and 0:13:03.080 --> 0:13:06.160 I actually found this young woman who's twenty two and 0:13:06.160 --> 0:13:09.120 she's from the Dominican Republic, which is the first like hello, 0:13:09.280 --> 0:13:14.160 light bulb. Yeah, because E's family is Dominican and. 0:13:14.080 --> 0:13:16.960 So she's gonna get the nuances and like, oh okay, okay, okay, 0:13:16.920 --> 0:13:19.439 I get nimbly them to speak to people and speak. 0:13:19.200 --> 0:13:21.840 Like them, yeah, and make them comfortable and you know. 0:13:22.080 --> 0:13:25.160 And so I saw some of her work and she's 0:13:25.200 --> 0:13:28.640 done like some film and then her fiance. I talked 0:13:28.679 --> 0:13:31.000 to her and realized her fiance is a film student 0:13:31.040 --> 0:13:33.719 in Atlanta. So they are like, they offered to do 0:13:33.840 --> 0:13:36.480 all of our video for just free because we're helping 0:13:36.520 --> 0:13:38.600 them build up their portfolio, like they actually want to 0:13:38.600 --> 0:13:41.880 do it. So we're saving like thousands of dollars. And 0:13:41.240 --> 0:13:43.880 I know, and I know it's a gamble and everyone's like, 0:13:44.440 --> 0:13:46.880 you know, you don't know what they're gonna do. They're students, 0:13:47.160 --> 0:13:49.960 but I do know how hard people work when they 0:13:50.160 --> 0:13:52.880 want their portfolio to look good. And I also know 0:13:52.960 --> 0:13:55.640 that I don't really like My favorite thing growing up 0:13:55.679 --> 0:13:58.360 watching home videos was like the jankiness of them. Yeah, 0:13:58.360 --> 0:14:00.800 like I love the fuzziness. I love the you know, 0:14:00.960 --> 0:14:03.640 the shaky camera and like all the you know, the 0:14:03.840 --> 0:14:06.040 dark whatever. It's just it's just fun to watch them. 0:14:06.040 --> 0:14:08.640 And I kind of I don't want my wedding video. 0:14:08.760 --> 0:14:10.920 Like if you go on YouTube and watch the kinds 0:14:10.920 --> 0:14:13.840 of wedding videos like my photographer is done and others have, 0:14:14.160 --> 0:14:16.480 it's like a they turn it into like a music 0:14:16.640 --> 0:14:19.440 video and it's like they all have the same like 0:14:19.640 --> 0:14:24.000 Ed Shearing song in the background, and I just want 0:14:24.040 --> 0:14:26.800 to I just want to see Grandma dancing, and like, 0:14:26.960 --> 0:14:28.400 you know, I just want to see all the fun 0:14:28.440 --> 0:14:30.040 moments like as they happen, not. 0:14:30.920 --> 0:14:33.120 You know, alternate and polish. 0:14:33.320 --> 0:14:35.400 Yeah that's what I mean, not so polish, so. 0:14:35.800 --> 0:14:38.760 No, but honestly, like that's I think that that's super 0:14:38.800 --> 0:14:41.040 smart because ultimately nobody cares about your wedding video. 0:14:41.080 --> 0:14:42.840 But you like your friends really don't care. 0:14:43.240 --> 0:14:45.640 They really know. No one's gonna watch a six minute 0:14:45.680 --> 0:14:48.040 video with Edge Shearon in the background if all these 0:14:48.680 --> 0:14:50.840 fading in and out and hear the shoes hanging from 0:14:50.840 --> 0:14:52.000 a tree brand and hear. 0:14:54.400 --> 0:14:58.120 A book of poems like nobody. I only think I'm 0:14:58.120 --> 0:15:00.320 looking forward to myself. I'm like, where's me there? I 0:15:00.320 --> 0:15:05.360 am okay, I don't care anymore. That's literally it. Oh well, 0:15:05.400 --> 0:15:06.000 there was something. 0:15:06.040 --> 0:15:07.720 Oh so you know, we have to talk about your 0:15:07.800 --> 0:15:12.400 old employer and the slip that was heard around the 0:15:12.400 --> 0:15:15.120 Twitter universe and was kind of hilarious. 0:15:15.520 --> 0:15:20.800 Congratulations on that pivot. That was like an amazing segue. Yeah, 0:15:20.840 --> 0:15:23.680 I awoke two days ago. See all everyone knows I 0:15:23.720 --> 0:15:26.400 used to work at Yahoo. Yes, and if you don't know, 0:15:26.680 --> 0:15:28.720 now you know, now you speaking. 0:15:28.720 --> 0:15:32.280 That was a good segue because so for those of 0:15:32.280 --> 0:15:35.280 you who know Biggie what he says after that, if 0:15:35.280 --> 0:15:38.160 you don't know, now you know, there's a word after 0:15:38.200 --> 0:15:41.840 that that Yahoo's accidentally I'm not gonna say, of course 0:15:41.920 --> 0:15:46.160 the hell out no right that Yahoo put So they 0:15:46.280 --> 0:15:50.600 were supposed to say something like Donald Trump believes that 0:15:50.760 --> 0:15:52.880 a bigger navy would. 0:15:52.680 --> 0:15:54.120 Like I don't know, it would be better. 0:15:54.160 --> 0:15:57.520 Trump wants a bigger navy is what they should have said, 0:15:58.400 --> 0:16:01.000 and bless the heart of the social media person, but 0:16:01.040 --> 0:16:02.960 the N is right by the B on the keyboard, 0:16:03.040 --> 0:16:05.120 and they accidentally hit N and they did not read 0:16:05.160 --> 0:16:07.120 over their work and it went out to the universe. 0:16:07.440 --> 0:16:11.680 So instead of bigger navy, just switch out an end 0:16:11.800 --> 0:16:16.800 and that's what they put out. Black Twitter had I mean, 0:16:16.880 --> 0:16:19.400 to a black Twitter's credit, they could have been like, 0:16:19.480 --> 0:16:22.400 you know, they really didn't even really drag Yahoo. What 0:16:22.440 --> 0:16:26.240 they did was they turned that they turned into a hashtag. 0:16:26.320 --> 0:16:29.160 So they turned they turned we're just gonna say bigger navy. 0:16:29.440 --> 0:16:31.920 So they turned bigger navy with an N into a 0:16:31.960 --> 0:16:36.760 hashtag and went and it was huh, last funny. 0:16:37.000 --> 0:16:38.560 I laughed when I saw it. I had so many 0:16:38.560 --> 0:16:40.920 text when I woke up, and my two my two 0:16:40.960 --> 0:16:43.080 friends who are always like my you know, they're always 0:16:43.080 --> 0:16:46.080 like debating politics and music and TV on, we have 0:16:46.120 --> 0:16:48.560 like a group text and they were really upset. They're like, 0:16:48.600 --> 0:16:50.640 this is just you know, they should have known when 0:16:50.680 --> 0:16:52.880 checks how many editors saw this? And I was like, 0:16:52.880 --> 0:16:55.840 you guys, it was a typo like and I know 0:16:55.880 --> 0:16:59.160 that I do know the person really well. Who did 0:16:59.200 --> 0:17:01.160 the social media who to us the social media post? 0:17:01.200 --> 0:17:05.119 And I know how it works there anybody and you 0:17:05.119 --> 0:17:07.240 know this was Yahoo Finance in particular, where I worked, 0:17:07.240 --> 0:17:09.560 and anybody has access to the system that sends out 0:17:09.560 --> 0:17:11.880 tweets and there's no checks and balances, there is no 0:17:12.080 --> 0:17:14.280 editing of the tweets, and there should be, yes, but 0:17:15.119 --> 0:17:16.719 when you have a bunch of people in the kitchen, 0:17:16.920 --> 0:17:18.760 you know the mistakes are bound to happen. It just 0:17:18.960 --> 0:17:20.959 is insane that it was this. 0:17:21.240 --> 0:17:22.800 It was like nice word and. 0:17:22.760 --> 0:17:26.080 A Trump about and a tweet about Trump, And at 0:17:26.119 --> 0:17:27.919 this time in our history. 0:17:27.600 --> 0:17:29.600 I was like this, That's why I said to give 0:17:29.680 --> 0:17:32.920 black Twitter credit. It wasn't really even like a dragging 0:17:33.080 --> 0:17:38.800 of They turned it into just this hilarious hashtag of 0:17:39.040 --> 0:17:41.600 if black people, if there was a black people maybe 0:17:42.720 --> 0:17:45.800 what what that would be like? Like you know, like 0:17:45.880 --> 0:17:51.600 just stereotypical blackness, like half the Navy can't get their 0:17:51.600 --> 0:17:52.320 hair wet. 0:17:53.600 --> 0:17:55.080 Walking around. 0:17:55.359 --> 0:17:59.720 I was like, honestly, look, look, look, look this is 0:17:59.760 --> 0:18:05.360 another one hashtag the Navy hashtag navy in quotes, they're 0:18:05.359 --> 0:18:08.479 sending me to Korea black moms. Well, until I get 0:18:08.520 --> 0:18:12.840 career parents number, you're not going nowhere. So it was 0:18:12.880 --> 0:18:15.960 just a lot of just like you know, like stereotypical 0:18:16.000 --> 0:18:18.880 but fun, you know how like, well, because I'm Nigerian, 0:18:18.960 --> 0:18:21.720 so with my Nigerian friends, we have these things that 0:18:21.760 --> 0:18:23.760 we say, oh, you know, our parents do this, our 0:18:23.760 --> 0:18:26.479 parents do that, so you know, you know, amongst black folks, 0:18:26.800 --> 0:18:30.520 there's stuff that were like, you know, that's obviously across 0:18:30.520 --> 0:18:33.480 the board. Everyone doesn't do this, but it's something that 0:18:33.560 --> 0:18:36.320 you know, it's it's common in our community, and it's 0:18:36.400 --> 0:18:39.760 become like a fun joke amongst us, and that's what 0:18:39.800 --> 0:18:41.360 it turned into totally. 0:18:41.520 --> 0:18:43.960 And you know what it wasn't It wasn't meant with 0:18:44.000 --> 0:18:46.680 any intentional racism either. That's why I just like muted 0:18:46.720 --> 0:18:49.720 that group texts. I'm like, you get mad about legitimate 0:18:49.720 --> 0:18:51.600 things that are out there that are racist in the media. 0:18:51.640 --> 0:18:55.040 This was literally the world's most unfortunate typo that was 0:18:55.119 --> 0:18:58.119 not anywhere near as bad as the other media f 0:18:58.240 --> 0:19:00.320 up last week, which I want to talk about quick. 0:19:01.359 --> 0:19:05.520 So apparently the Washington Post has like an insert it 0:19:05.680 --> 0:19:07.479 that it gives out maybe it like gives it out 0:19:07.480 --> 0:19:09.400 in the subway or like on the streets or whatever 0:19:09.480 --> 0:19:12.320 called wah what is it, WAPO Express or something like 0:19:12.359 --> 0:19:17.040 that they put so the day after the inaugural, after 0:19:17.720 --> 0:19:21.760 Voldemort is sworn in as president, which there's gonna be 0:19:21.800 --> 0:19:24.800 a march on Washington for women, a women's march. It's 0:19:24.840 --> 0:19:28.960 been organized for months now anyway, So the front page 0:19:28.960 --> 0:19:31.760 of this like insert was supposed to be celebrating the 0:19:31.760 --> 0:19:34.520 women's march, and it was, like, it's a graphic and 0:19:34.560 --> 0:19:36.199 you just have to google it. It's a graphic of 0:19:36.720 --> 0:19:40.600 like hundreds of women who are like women protesters from 0:19:40.680 --> 0:19:43.320 far away, standing in the formation of what should be 0:19:43.400 --> 0:19:46.840 the women's horoscope symbol or the women's like what do 0:19:46.920 --> 0:19:50.800 you call it? That symbol for like women women? Yeah, 0:19:50.800 --> 0:19:52.439 I don't know. It's it like a zodiac or what. 0:19:52.520 --> 0:19:52.879 I don't know. 0:19:52.880 --> 0:19:54.280 I don't know. Yeah, but I know what you mean. 0:19:54.480 --> 0:20:02.720 Yeah, except it's the male symbol. Talk about getting by editors, 0:20:02.760 --> 0:20:05.680 Are you kidding? Someone had to go someone. I can 0:20:05.680 --> 0:20:07.880 just picture the graphics guy and be like, yeah, what's 0:20:07.880 --> 0:20:09.720 the women's symbol. Let's look it up real quick, and 0:20:09.760 --> 0:20:12.560 then you have to get the symbol physically, put the 0:20:12.560 --> 0:20:14.600 little women in all the different shapes of the symbol, 0:20:14.600 --> 0:20:16.560 and the whole time it's the wrong damn symbol. 0:20:16.800 --> 0:20:22.359 Yeah, it's just funny Women's march that so many eyes 0:20:22.400 --> 0:20:24.320 can see something and not really see it. 0:20:24.960 --> 0:20:27.639 Yeah, I think, you know, it's just like a you know, 0:20:27.720 --> 0:20:31.240 shit happens. Yeah, I've made so many mistakes as a journalist. 0:20:31.320 --> 0:20:34.680 I can't even I really can't judge at all. I 0:20:35.040 --> 0:20:39.159 I you know, I've I've literally written story, you know, 0:20:39.160 --> 0:20:41.680 a story about someone who was lying about everything he said. 0:20:42.840 --> 0:20:46.040 So I cannot. It's a difficult job, but it's still, 0:20:46.400 --> 0:20:48.959 you know, we need to do better. We always can 0:20:49.000 --> 0:20:52.399 be doing better all ways, all of the time. And 0:20:52.400 --> 0:21:02.439 that's just a reminder of it, I guess, a funny one. 0:21:03.960 --> 0:21:06.840 So this is just one other thing. Tonight, I was 0:21:06.880 --> 0:21:08.880 like scrolling through my timeline and I realized, tonight it's 0:21:08.880 --> 0:21:13.639 the Golden Globes and apparently, according to huff Post Black Voices, 0:21:13.720 --> 0:21:18.680 it's the most racially diverse show in their seventy four 0:21:18.760 --> 0:21:19.840 years of existence. 0:21:20.320 --> 0:21:22.240 This is like night and day from last year. 0:21:22.680 --> 0:21:23.000 I know. 0:21:23.119 --> 0:21:29.080 So it's like Easa Rey, there's the women from Hidden Figures. 0:21:29.320 --> 0:21:33.359 Today. I literally went to see it today. That was 0:21:33.400 --> 0:21:35.320 my win for today was going to be like black 0:21:35.359 --> 0:21:38.120 film because twenty sixteen, if one thing it did right 0:21:38.280 --> 0:21:40.320 was black film and just film in general. There was 0:21:40.359 --> 0:21:43.560 so much diversity in film inclusiveness and film this year. Yes, 0:21:44.040 --> 0:21:47.280 from Ava du Verney with Queen Sugar and then the 0:21:47.320 --> 0:21:51.680 amazing documentary Thirteenth to Moonlight to Loving Hidden Figures, which 0:21:51.680 --> 0:21:53.080 I've been waiting to see you and I've been talking 0:21:53.119 --> 0:21:56.160 about it forever, and I finally I've tried to see 0:21:56.160 --> 0:21:58.359 it on Friday and yesterday and it kept selling out 0:21:58.480 --> 0:22:01.000 like here in Jersey City, and I was like, this 0:22:01.040 --> 0:22:03.760 movie must be good. I'm like excited, but I'm also like, damn, y'all. 0:22:04.240 --> 0:22:06.200 It's one of those they changed. It's the seats where 0:22:06.240 --> 0:22:07.840 you get to reserve your seat so you can buy 0:22:07.840 --> 0:22:10.240 them at advance. So anyway, finally went to go Seat 0:22:10.280 --> 0:22:13.200 at two pm on a Sunday and it was really good. 0:22:13.280 --> 0:22:15.720 It was like it was everything you wanted, but I was, 0:22:16.320 --> 0:22:18.600 it was everything you wanted in like a historical picture 0:22:18.680 --> 0:22:22.879 about real women who broke barriers. But I was, I'm like, 0:22:23.160 --> 0:22:24.919 I only I've only been in Jersey City for a 0:22:24.920 --> 0:22:26.760 week now, but I really like feel the people of 0:22:26.800 --> 0:22:29.840 New Jersey because people in the audience were loving it. 0:22:29.880 --> 0:22:33.119 They were clapping, they were snapping. They were like being like, 0:22:33.160 --> 0:22:39.480 oh no, she didn't. Welcome to Jersey reminds me of Atlanta. 0:22:38.760 --> 0:22:40.520 But so expressive Jersey. 0:22:41.320 --> 0:22:43.960 Afterward the credits roll, people were laughing. I mean people 0:22:44.000 --> 0:22:47.400 were clapping, like and I started clapping and I was crying, 0:22:47.600 --> 0:22:50.320 and my fiance is like, what's happening? 0:22:50.960 --> 0:22:52.440 Welcome to Jersey. 0:22:52.920 --> 0:22:57.439 Jersey is like the Italy of the United States, you know, 0:22:57.480 --> 0:22:59.399 like Italians. Well, the first time went to Italy and 0:22:59.440 --> 0:23:01.760 I saw people speaking in real life, I said, wait. 0:23:02.680 --> 0:23:03.960 They really do speak like that. 0:23:04.080 --> 0:23:07.040 Like all the passion and the emotion and the you know, 0:23:07.119 --> 0:23:09.760 like all of that and that's Jersey. Just all of 0:23:09.800 --> 0:23:12.399 this passion and emotion, you know, just for you know, 0:23:13.280 --> 0:23:15.800 for whatever reason, the movies driving whatever. 0:23:16.480 --> 0:23:19.280 So yeah, I think you're about I really feel, you know, 0:23:19.320 --> 0:23:21.639 I love it here. We we just moved in like 0:23:21.800 --> 0:23:24.440 the day before New Year's so this is our first 0:23:24.440 --> 0:23:28.000 weekend like actually in our apartment, and like the whole weekend, 0:23:28.520 --> 0:23:31.200 and I've been googling trying to like learn more about 0:23:31.200 --> 0:23:34.320 the neighborhood. And I didn't realize. Excuse me. I did 0:23:34.359 --> 0:23:36.280 realize because we went to dinner one night the first 0:23:36.280 --> 0:23:38.680 weekend we were here, and I like to look around 0:23:38.720 --> 0:23:41.120 at a restaurant and see how diverse the crowd ISCAU. 0:23:41.119 --> 0:23:43.320 I feel like that's a good example of like you know, 0:23:43.440 --> 0:23:45.119 like a burger place. That's a good example of the 0:23:45.160 --> 0:23:49.200 neighborhood is like and I saw so many different races 0:23:49.200 --> 0:23:51.239 and ethnicities and I was awesome. And then I went 0:23:51.280 --> 0:23:53.200 back and actually looked it up and Jersey City has 0:23:53.280 --> 0:23:55.840 one of the YEP, it is one of the single 0:23:55.880 --> 0:23:59.439 most diverse places in the country. Like yes, it's like 0:23:59.640 --> 0:24:03.399 such a like a perfect mixture. It's like thirty percent white, 0:24:03.400 --> 0:24:07.600 twenty seven percent African American, like twenty something percent Asian, 0:24:07.920 --> 0:24:10.040 I mean Latino. And then the Asians, and there's a 0:24:10.119 --> 0:24:14.320 huge there's a huge Indian population, a huge Filipino population, 0:24:14.520 --> 0:24:17.879 and I just like, I feel like I've arrived in 0:24:17.920 --> 0:24:21.000 the perfect little, just melting pot of land that I 0:24:21.040 --> 0:24:24.440 wish it were always like this, But yeah, I'm really excited. 0:24:25.119 --> 0:24:27.840 No, you're right, Like it's honestly, Jersey City is very, 0:24:27.920 --> 0:24:32.320 very very diverse. Yeah, so you're just in a great space. 0:24:32.359 --> 0:24:34.680 I mean, because it's right outside New York. They've got 0:24:34.880 --> 0:24:37.560 great restaurants, it's right. 0:24:37.520 --> 0:24:41.080 By me, it is, so it's just great. 0:24:41.440 --> 0:24:42.800 You know where to find me now, I. 0:24:42.920 --> 0:24:44.320 Know, can't you hear me? 0:24:44.359 --> 0:24:47.720 Now? Quality of life has improved. I have to say. 0:24:47.760 --> 0:24:51.359 We have a dishwasher, yes, a laundry machine. Can I 0:24:51.400 --> 0:24:54.200 get an aah? Man, I've done so many loads of laundry. 0:24:54.240 --> 0:24:56.560 And not only that, but it's our commute to work 0:24:56.600 --> 0:24:59.280 is like cut in half now, which is just improving 0:24:59.280 --> 0:25:00.840 my life in so many. 0:25:00.640 --> 0:25:03.880 Right, if people don't realize that, it's so crazy that honestly, 0:25:04.040 --> 0:25:06.520 you can live in New York and live in Jersey 0:25:06.680 --> 0:25:09.800 and get to Midtown Way faster in Jersey depending on 0:25:09.840 --> 0:25:10.640 where you live in New York. 0:25:10.680 --> 0:25:13.520 You know, absolutely it's it's faster. Well, It's kind of 0:25:13.560 --> 0:25:15.720 like I call it the Astoria of Jersey because I 0:25:15.760 --> 0:25:17.280 lived in a Story of Queens which is on the 0:25:17.280 --> 0:25:20.440 other side of the East River and across from Manhattan, 0:25:20.440 --> 0:25:22.159 which was the same thing. I was like five stops 0:25:22.160 --> 0:25:24.760 from Manhattan, and now I'm on the across the Hudson 0:25:24.880 --> 0:25:27.960 River on the west and I'm like two stops into 0:25:27.960 --> 0:25:30.920 Manhattan from Jersey City. And so long as the Path 0:25:31.000 --> 0:25:34.040 train knock on wood does not, you know, f up, 0:25:34.119 --> 0:25:36.120 then everything is golden. Everything is great. 0:25:36.480 --> 0:25:37.720 Yeah, the Path Train is bay. 0:25:38.160 --> 0:25:40.560 So I'm glad the New Year's after a good start. 0:25:40.560 --> 0:25:42.880 We haven't even talked about the Liberature Challenge yet. 0:25:43.240 --> 0:25:44.679 I know, do you want to make that? 0:25:45.119 --> 0:25:45.919 How have we made it? 0:25:46.440 --> 0:25:48.720 I know, let's let's make that. Let's make that tips. 0:25:48.720 --> 0:25:50.639 How about that? We'll just do tips, credit tips. 0:25:50.720 --> 0:25:53.720 I actually have the perfect question if you guys. Yeah, 0:25:53.720 --> 0:25:55.879 if you stick around for the question segments, it'll go 0:25:56.000 --> 0:25:59.359 right perfectly with the Literature Challenge. It's about credit. 0:25:59.440 --> 0:26:01.680 So let's do some boosting or some braking. You want 0:26:01.680 --> 0:26:03.040 a boost, you want a break. 0:26:03.320 --> 0:26:05.199 Well, we kind of already did my break, so I'm 0:26:05.240 --> 0:26:06.840 going to do a boost. So my break was going 0:26:06.880 --> 0:26:08.240 to be I have a boost and a break just 0:26:08.280 --> 0:26:10.479 in case I come prepared. So the break was going 0:26:10.560 --> 0:26:15.199 to be wedding planning, which is just getting you know. 0:26:15.280 --> 0:26:17.080 We got their invitations last night and I was so 0:26:17.119 --> 0:26:19.600 excited and we realized they gave us, you know, they 0:26:19.680 --> 0:26:21.720 it was a cool feature. I used minted dot com 0:26:21.720 --> 0:26:23.240 and I had all these coupon codes and I saved 0:26:23.240 --> 0:26:25.960 a lot of money on them. But they, for some 0:26:26.040 --> 0:26:30.240 reason sent us triple the number of addresses that already 0:26:30.240 --> 0:26:33.720 had the I mean sorry, tripled the number of envelopes 0:26:34.400 --> 0:26:35.800 we needed. And I was like, oh, there's so many 0:26:35.800 --> 0:26:39.119 extra envelopes. And but I ordered them with the addresses 0:26:39.160 --> 0:26:41.480 printed on them of all my people that I'm sending 0:26:41.520 --> 0:26:43.320 them to, which saved us so much time. It was 0:26:43.359 --> 0:26:45.680 supposed to save us so much time, but I didn't 0:26:45.760 --> 0:26:48.399 realize that they had They had done duplicates, so we 0:26:48.480 --> 0:26:51.960 had three we had three of the same envelope. I 0:26:52.000 --> 0:26:54.840 just gave my fiance half of the envelopes and I 0:26:54.840 --> 0:26:56.280 gave myself the other half, and I was like, you 0:26:56.280 --> 0:26:58.680 stuff these, I'm stuff in these. And we brought them 0:26:58.680 --> 0:27:00.840 together and I was like, wait, we ran of we 0:27:01.240 --> 0:27:04.119 have not enough envelopes for the number of invitations, like 0:27:04.119 --> 0:27:07.359 what's happening here and realize we had just stuffed the 0:27:07.359 --> 0:27:11.080 same dame and then we had ites. Is like such 0:27:11.080 --> 0:27:13.359 a nightmare. We had to go back and figure out, 0:27:13.480 --> 0:27:15.880 you know who had one of Some people had three 0:27:16.000 --> 0:27:19.040 envelopes and something like two and like, oh, just you know. 0:27:19.119 --> 0:27:21.479 My already I have a headache. 0:27:21.720 --> 0:27:23.359 He's like, where are you so stressed? I'm like, you 0:27:23.359 --> 0:27:27.639 don't understand. I was supposed to be so simple. 0:27:27.680 --> 0:27:31.800 I know, can it be all so simple that yeah, yeah, 0:27:31.800 --> 0:27:33.320 I haven't sang for you and ride you know you 0:27:33.400 --> 0:27:35.760 miss it? Well, I'm gonna boost. 0:27:36.280 --> 0:27:41.400 Go ahead, I'm gonna boost getting help because I have 0:27:42.040 --> 0:27:45.000 One of my stresses used to be laundry, because I 0:27:45.040 --> 0:27:50.200 don't know for three people, super Girl is ten, Superman 0:27:50.520 --> 0:27:53.359 is you know my age thirty six, thirty seven, I 0:27:53.359 --> 0:27:56.159 don't know. I mean, I'm like, so are we changing 0:27:56.200 --> 0:27:57.879 clothes midday every day? I don't know why we have 0:27:57.920 --> 0:28:01.959 so much laundry every we so much And it just 0:28:01.960 --> 0:28:04.400 got to be so stressful because it would take me hours. 0:28:04.640 --> 0:28:07.320 Like I in plus two. I'm the type of person when. 0:28:07.200 --> 0:28:09.040 I get in a role or I want to keep 0:28:09.119 --> 0:28:11.080 doing work until like, you know, like if I can 0:28:11.160 --> 0:28:12.439 do a block of an hour or two, but if 0:28:12.480 --> 0:28:15.359 I'm doing laundry, you know, every thirty minutes you're changing 0:28:15.359 --> 0:28:18.440 out stuff, your folds and clothes. Anyway, laundry was like 0:28:18.480 --> 0:28:20.919 the beating of our existence, and me and Superman used 0:28:20.960 --> 0:28:22.680 to like be like, oh, it's your turn, No, it's 0:28:22.680 --> 0:28:24.280 your turn, or you haven't done laundry. 0:28:24.320 --> 0:28:25.320 It's too much laundry, hunk. 0:28:25.440 --> 0:28:28.800 So just just like maybe I want to say, a 0:28:28.840 --> 0:28:33.159 month ago, I started sending our laundry via my personal 0:28:33.200 --> 0:28:35.600 assistant AKA and my sister, who only comes whenever she 0:28:35.680 --> 0:28:37.479 feels like it, because that's how baby sisters do. 0:28:37.560 --> 0:28:39.400 That's right. We didn't get an update on on your 0:28:39.440 --> 0:28:40.200 hiring your sister. 0:28:40.640 --> 0:28:43.920 Yeah, girl, I love it though. 0:28:44.360 --> 0:28:48.560 Okay, so she dropped off my laundry and when she 0:28:48.640 --> 0:28:51.360 picked it up, it was so nicely folded my laundry plate. 0:28:51.400 --> 0:28:53.960 So I told her call around and find the least 0:28:53.960 --> 0:28:55.680 expensive place because I'm the budget. He said, I don't 0:28:55.680 --> 0:28:58.080 play that, and thankfully so my laundry places actually end 0:28:58.200 --> 0:29:00.720 up being like right next to my clean so that's 0:29:00.760 --> 0:29:01.960 really convenient. 0:29:02.440 --> 0:29:04.000 And you know. 0:29:03.960 --> 0:29:06.360 I checked them under after her and it is indeed 0:29:06.360 --> 0:29:10.160 the least expensive place in my city. And I was like, 0:29:10.160 --> 0:29:11.680 I don't trust you because I was like, that's really 0:29:11.680 --> 0:29:13.200 convenient that it happens to be next door. 0:29:13.360 --> 0:29:14.920 You sure you just didn't choose it because you don't 0:29:14.920 --> 0:29:18.160 want to do extra work. But she was right, and yeah, 0:29:18.280 --> 0:29:18.680 it was. 0:29:19.080 --> 0:29:20.720 First of all, what I love about them is one, 0:29:20.920 --> 0:29:24.680 you know, obviously they washed their clothes well. Two, they 0:29:25.000 --> 0:29:28.240 fold them so perfectly, and they like organize them so 0:29:28.360 --> 0:29:31.760 all the towels are together, all his t shirts. 0:29:31.640 --> 0:29:32.480 All my jeans. 0:29:32.680 --> 0:29:35.400 I mean, because I also hate putting laundry away, but 0:29:35.440 --> 0:29:37.480 it's like a joy to put laundry away because it's 0:29:37.520 --> 0:29:40.080 so organized. Maybe I cried tears and joy when I 0:29:40.080 --> 0:29:42.080 see the laundry. I'm like, I just I just want 0:29:42.080 --> 0:29:43.480 to hug the lady, like I just want. 0:29:43.360 --> 0:29:44.200 To say I love you. 0:29:44.320 --> 0:29:46.880 It's just so I'm doing a brown boost for like, 0:29:46.920 --> 0:29:49.560 you know, paying for help. I thought to myself, Oh, 0:29:49.840 --> 0:29:52.760 this is crazy spending like fifty sixty bucks. 0:29:52.480 --> 0:29:56.560 A month on laundry, but laundry takes me hours. 0:29:56.720 --> 0:29:57.680 It's not crazy. 0:29:57.960 --> 0:30:00.640 Yeah, it's just so Yeah, I'm just looking for other 0:30:00.680 --> 0:30:02.480 little ways, you know, to make my life a little 0:30:02.480 --> 0:30:02.959 bit easier. 0:30:03.000 --> 0:30:05.000 So I would just want to boost to that to 0:30:05.080 --> 0:30:07.080 actually paying for help when necessary. 0:30:07.720 --> 0:30:13.800 Oh, that's a great boost, anything to expedite life's menial tasks. Meanwhile, 0:30:13.800 --> 0:30:15.880 I'm still in the honeymoon phase with my laundry machine. 0:30:15.880 --> 0:30:18.760 We'll see how long it lasts. But it's just nice 0:30:18.760 --> 0:30:20.320 to treat my clothes right, because you don't have much 0:30:20.320 --> 0:30:22.160 control over what they do to your stuff. 0:30:22.520 --> 0:30:24.360 You don't send them the good. We don't send them 0:30:24.400 --> 0:30:24.640 the good. 0:30:24.640 --> 0:30:26.560 We only said, like, I still dry clean like all 0:30:26.600 --> 0:30:29.320 my good stuff and anything I'm not sure about. 0:30:29.360 --> 0:30:30.440 We do it at home. 0:30:30.720 --> 0:30:34.680 But most of our stuff, honestly is like regular average clothes, 0:30:34.720 --> 0:30:36.120 you know, like just kind of like I call them 0:30:36.120 --> 0:30:36.640 play clothes. 0:30:36.720 --> 0:30:37.480 So that's fine. 0:30:38.360 --> 0:30:40.840 Well, I actually had a quick if you don't mind 0:30:41.440 --> 0:30:43.280 doing an extra thing, I wanted to talk about this 0:30:43.360 --> 0:30:46.360 Ted talk that I read because I don't for some reason, 0:30:46.360 --> 0:30:48.720 I don't like to. I like to read the transcripts 0:30:48.720 --> 0:30:50.440 for Ted talks instead of having to watch the whole thing. 0:30:50.440 --> 0:30:53.680 I think it goes faster. But so I read one 0:30:53.920 --> 0:30:55.360 this morning and I liked it a lot, and I 0:30:55.400 --> 0:30:57.640 was going to make it a boost. So anyway, I'm stealing, 0:30:57.680 --> 0:30:59.880 I'm doing an extra boost, so I thought it was 0:31:00.080 --> 0:31:02.920 really it made me think. You know, I'm in a 0:31:02.960 --> 0:31:04.960 point now where I'm getting ready to hire more people 0:31:05.000 --> 0:31:08.320 at Magnify Money, and I've already hired a couple, and 0:31:09.480 --> 0:31:12.880 you know, I've I've worked in at several different companies 0:31:12.960 --> 0:31:15.360 since I moved to New York seven years ago. So 0:31:16.560 --> 0:31:19.360 this TED talk was called givers versus Takers, I think, 0:31:20.000 --> 0:31:22.280 and it talks about the three different or the two 0:31:22.360 --> 0:31:25.880 different types of employees or workers. And this is probably 0:31:25.880 --> 0:31:28.240 applicable if you're, you know, run your own business or 0:31:28.240 --> 0:31:31.360 you work for, you know, a business itself or whatever. 0:31:31.960 --> 0:31:35.040 But it talks about givers versus takers. And givers are 0:31:35.120 --> 0:31:37.320 the kind of people in a work environment where they 0:31:37.800 --> 0:31:39.640 are the first ones to say, how can I help you? 0:31:39.720 --> 0:31:42.480 What can I do for you? What do you need? 0:31:43.680 --> 0:31:45.960 You know, let me drop everything and show you how 0:31:45.960 --> 0:31:48.280 I did it to help you and and support you. 0:31:48.800 --> 0:31:52.160 And then there's the takers. And the takers, although they 0:31:53.560 --> 0:31:57.800 can be really successful, it's because they are more likely 0:31:57.920 --> 0:32:00.360 to ask, you know, what can you do for me? 0:32:00.560 --> 0:32:02.520 Who's here that can help me? I need to get 0:32:02.560 --> 0:32:04.280 something done, I need to get to the next level 0:32:05.400 --> 0:32:08.000 and the whole it wasn't so much. I mean. One 0:32:08.040 --> 0:32:09.600 of the interesting parts of the Ted talk is that 0:32:10.200 --> 0:32:13.080 at the after he kind of describes givers, he says, 0:32:13.440 --> 0:32:16.240 you know, we found that he studied thirty thousand employees 0:32:16.240 --> 0:32:18.640 from around the world to figure out if givers or 0:32:18.680 --> 0:32:21.920 takers are more successful. And he starts off by saying, 0:32:22.040 --> 0:32:25.880 you know, givers, the ones who are contributing and helping 0:32:25.880 --> 0:32:29.920 with others, are least likely to be successful financially in 0:32:29.960 --> 0:32:32.480 their career. And then he was like, how many of 0:32:32.480 --> 0:32:34.760 you guys in the audience would self describe as a giver? 0:32:35.400 --> 0:32:38.200 And obviously very few people raise their hands, And he's like, yeah, 0:32:38.200 --> 0:32:39.640 I bet you would have raised your hands if I 0:32:39.680 --> 0:32:43.600 hadn't told you the results. Yeah, here's the twist. We 0:32:43.680 --> 0:32:47.160 also found that givers were among the highest earning employees 0:32:47.560 --> 0:32:50.160 through at the bottom or at the top. And he 0:32:50.320 --> 0:32:53.440 said that the givers were more successful because they were 0:32:53.440 --> 0:32:56.560 helping other people, but they the people who were succeeding 0:32:56.600 --> 0:32:59.200 as givers were also learning how to be takers. 0:32:59.560 --> 0:33:02.320 Yes, oh, Mandy, you don't understand. 0:33:02.320 --> 0:33:04.200 When you started talking about the giver, I was thinking 0:33:04.200 --> 0:33:05.840 to myself, if that is not me. 0:33:06.440 --> 0:33:08.800 But this year, like I. 0:33:08.840 --> 0:33:13.720 Finally started to learn how to also take. And I 0:33:13.720 --> 0:33:15.080 guess I don't even like to call it take. I 0:33:15.080 --> 0:33:16.560 guess I'd like to call it ask. But I was 0:33:16.600 --> 0:33:20.320 the ultimate giver, Like I would deplete myself and then 0:33:20.480 --> 0:33:22.600 you know, and then I would recharge, you. 0:33:22.560 --> 0:33:25.320 Know, myself, and then go back and give everything away, 0:33:25.480 --> 0:33:26.680 like over and over and over. 0:33:27.240 --> 0:33:29.960 And this year really and maybe like a little bit 0:33:30.000 --> 0:33:33.440 of last year, I finally started to say, Tiffany, you 0:33:33.520 --> 0:33:36.960 have to ask for help. You have to say, hey, 0:33:37.440 --> 0:33:39.480 you know, would you like to participate in this thing 0:33:39.520 --> 0:33:42.720 that I'm that I'm doing without having to be like 0:33:42.720 --> 0:33:44.400 give away the farm. Because I would be the type 0:33:44.440 --> 0:33:49.120 to say, can you do this project or whatever in 0:33:49.160 --> 0:33:52.479 conjunction with the budgetista in return, I'm going to give 0:33:52.480 --> 0:33:54.120 you ten times more than what you're giving me. 0:33:54.160 --> 0:33:55.200 That that was my normal. 0:33:55.480 --> 0:33:57.920 But I stopped doing that because I found that a 0:33:57.920 --> 0:34:00.720 lot of people wanted to work with me just to 0:34:00.760 --> 0:34:02.520 work with me, that I did not have to give 0:34:02.560 --> 0:34:06.560 away everything, you know. And so I'm learning that because 0:34:06.560 --> 0:34:09.080 it's hard, because I like as a I think I 0:34:09.200 --> 0:34:13.080 was telling my my friend Cabrel, he's like one of 0:34:13.080 --> 0:34:16.200 my confidants, and I was telling him that one of 0:34:16.239 --> 0:34:21.160 my character flaws is I always play small personally, not professionally, 0:34:21.160 --> 0:34:25.000 but for Tiffany, Like twenty sixteen, big year for the Budgetista, 0:34:25.160 --> 0:34:27.960 small year for Tiffany. And it's because I, you know, 0:34:28.000 --> 0:34:31.160 I was like really asking myself why, and I really 0:34:31.200 --> 0:34:34.400 trace it back to me being like sort of like 0:34:34.400 --> 0:34:37.040 a middle child and a big family and always learning 0:34:37.080 --> 0:34:38.279 to be over accommodating. 0:34:38.520 --> 0:34:40.800 What do you mean small year for Tiffany. 0:34:41.080 --> 0:34:45.120 Meaning small year for myself, as like looking after myself, 0:34:45.239 --> 0:34:47.400 not like you know, I mean I got engaged and that, 0:34:47.520 --> 0:34:50.160 but meaning as far as doing for me, like I 0:34:51.080 --> 0:34:54.040 stopped exercising, you know, more than halfway throughout the year, 0:34:54.480 --> 0:34:56.919 I wasn't taking time for myself. I was working seven 0:34:57.000 --> 0:34:59.760 days a week, like a small year for looking after 0:35:00.280 --> 0:35:02.520 me personally, because I was taking care of. 0:35:02.520 --> 0:35:04.280 The budget Nista and everyone else. 0:35:05.960 --> 0:35:07.759 But at first I didn't think that, because I thought 0:35:07.800 --> 0:35:10.040 to myself, that's not true. You do a lot for you, No, No, 0:35:10.080 --> 0:35:12.080 I do a lot for my business. The Budgetista is 0:35:12.080 --> 0:35:16.040 not Tiffany, you know, And I thought, okay, you know 0:35:16.160 --> 0:35:18.719 that I had not really taken time for self care 0:35:19.000 --> 0:35:19.839 like I like to read. 0:35:19.920 --> 0:35:22.160 I used to read Avidlea. I can't remember the last 0:35:22.160 --> 0:35:23.560 time I fully read a book. I don't have time. 0:35:23.600 --> 0:35:26.200 I don't have time. But that's a Tiffany thing. I 0:35:26.280 --> 0:35:26.799 like to walk. 0:35:26.960 --> 0:35:28.439 When's the last time I took a walk. I don't 0:35:28.480 --> 0:35:31.960 have time because the budgetista needs this. That's a Tiffany thing. 0:35:32.040 --> 0:35:35.600 And so I found myself scaling back on things that 0:35:35.680 --> 0:35:39.799 I enjoyed as Tiffany in order to surge forward things professionally, 0:35:39.880 --> 0:35:44.560 and then also looking after those people around me. And yeah, 0:35:44.600 --> 0:35:47.080 I told myself twenty seventeen, really, for me, it's gonna 0:35:47.080 --> 0:35:49.960 be the year of living big and stop telling myself 0:35:50.000 --> 0:35:53.880 I can't do for myself. And you know, because like 0:35:53.880 --> 0:35:54.880 I said, honestly, I'm. 0:35:54.760 --> 0:35:56.320 A natural gift. I always attracted. 0:35:56.360 --> 0:35:58.359 Like one of the things the reasons why I life 0:35:58.400 --> 0:36:00.360 Superman so much and love him so much such is 0:36:00.360 --> 0:36:02.759 that for the first time, I'm actually with a giver. 0:36:03.640 --> 0:36:06.600 I've never been with a giver a giver. Typically, givers 0:36:06.800 --> 0:36:09.520 attract other takers and you let them take from you 0:36:09.600 --> 0:36:11.520 until you have nothing left and then you break up. 0:36:12.320 --> 0:36:14.280 But he's a giver, and it's so weird. 0:36:14.400 --> 0:36:16.319 At first, it was this weird tug of war like no, 0:36:16.320 --> 0:36:18.040 no you have this, No you have it, No you haven't, 0:36:20.040 --> 0:36:21.560 And it would be so weird because neither one of 0:36:21.600 --> 0:36:24.760 us knew how to concede and say I receive. 0:36:25.840 --> 0:36:29.160 You know, it would be so weird talking about it. 0:36:30.400 --> 0:36:32.160 No, but meaning like like you know, like it could 0:36:32.160 --> 0:36:34.000 be something like as simple as like oh, you know, 0:36:34.400 --> 0:36:35.080 i'll buy dinner. 0:36:35.080 --> 0:36:37.160 No, i'll buy dinner. Well, I'll I'll make dinner. Well, 0:36:37.160 --> 0:36:39.560 I'll do the dishes, well, I'll do the laundry, you know. 0:36:39.760 --> 0:36:42.160 And so it's it was this weird like tip me, 0:36:42.239 --> 0:36:44.040 allow this man to give to you, And I used 0:36:44.080 --> 0:36:45.920 to have to teach him, you know, allow me to 0:36:46.960 --> 0:36:50.319 do for you. So yeah, like that that whole I 0:36:50.320 --> 0:36:53.000 think a lot of women fall into that giver giver category. 0:36:53.080 --> 0:36:53.919 I know that I did. 0:36:54.320 --> 0:36:56.759 And you know, this year I told myself, like every year, 0:36:56.800 --> 0:36:59.080 I give myself a theme for the year, and my 0:36:59.160 --> 0:37:01.920 theme really for this is to live big, you know, 0:37:02.640 --> 0:37:07.480 meaning to be okay with accepting and to purposefully do 0:37:07.600 --> 0:37:10.560 for myself. Like I after the Liverature challenge, which we'll 0:37:10.560 --> 0:37:12.960 talk about later, is over, I want to go away, 0:37:13.120 --> 0:37:15.120 And I said I was gonna I said, well, you know, 0:37:15.160 --> 0:37:17.120 I don't want to be away too long because the business, 0:37:17.200 --> 0:37:20.040 and so I think I'll just go someplace domestically for 0:37:20.200 --> 0:37:22.640 like two days. And I'm like, Tiffany, I like, what 0:37:22.680 --> 0:37:24.359 the heck are you just never going to travel again? 0:37:24.400 --> 0:37:26.279 And you're never gonna I said, where do you really 0:37:26.320 --> 0:37:27.960 want to go, Tiffany? I really want to go to 0:37:28.040 --> 0:37:30.680 Santerini and I want Superman to come with me. I said, 0:37:30.680 --> 0:37:33.200 then you're going, because like what are we waiting on 0:37:33.320 --> 0:37:35.160 until I'm eighty and I have like one leg and 0:37:35.800 --> 0:37:37.759 then I finally can slow down. So I'm going to 0:37:37.800 --> 0:37:41.000 go to Santorini, Greece, which is like my favorite place 0:37:41.000 --> 0:37:44.399 in the world. First week in February. I deserve it. 0:37:44.640 --> 0:37:46.400 If I can't find it on sale, I'm still going 0:37:46.480 --> 0:37:48.520 to go, because that's another thing I do I do 0:37:48.600 --> 0:37:50.400 to myself, like I'm. 0:37:50.239 --> 0:37:50.759 Still gonna go. 0:37:50.840 --> 0:37:53.080 I actually have travel money saved up that I never 0:37:53.320 --> 0:37:56.840 use because typically people if I travel somewhere, they'll they'll 0:37:56.880 --> 0:37:58.040 they'll pay for me to speak. 0:37:58.239 --> 0:37:59.920 So I'll just make that into a mini vacation. 0:38:00.120 --> 0:38:03.200 But yeah, I just think, like it's such a hard 0:38:03.239 --> 0:38:06.439 thing sometimes to switch because you know, especially as women, 0:38:06.440 --> 0:38:09.840 we've been taught them. When you take, that's bad, that's selfish, 0:38:09.880 --> 0:38:12.360 that's you're You're not a good. 0:38:12.160 --> 0:38:13.239 Person if you take. 0:38:13.920 --> 0:38:17.520 And you know, good people give and you never ask 0:38:17.600 --> 0:38:19.799 and you never receive, and you should live the life 0:38:19.840 --> 0:38:21.960 of a martyr. And that's how I was living. And 0:38:22.080 --> 0:38:25.680 I was not happy. Honestly, I was not unhappy, but 0:38:25.719 --> 0:38:28.080 it was this weird gray area where I was like, Tiviny, 0:38:28.080 --> 0:38:30.319 are you happy? And I'm like, I don't h well, 0:38:30.320 --> 0:38:33.759 what does that mean? I couldn't tell you. I was like, 0:38:33.800 --> 0:38:35.680 I don't know. I feel this weird kind of like 0:38:35.760 --> 0:38:37.759 I guess I don't you know. I'm like, well, when's 0:38:37.760 --> 0:38:41.040 the last time you were like, Okay, I'm happy. And 0:38:41.080 --> 0:38:44.560 it's been a while, you know, like for myself personally, 0:38:44.640 --> 0:38:47.920 because I had not looked after myself, but twenty seventeen, 0:38:48.719 --> 0:38:52.040 so y'all messaging me all day in my Facebook inbox. 0:38:52.840 --> 0:38:53.560 I love y'all. 0:38:53.719 --> 0:38:55.160 But that's why I started the group so you can 0:38:55.200 --> 0:38:57.640 get your questions answered there, because I don't want to 0:38:57.719 --> 0:39:00.759 kill myself in an effort to be of service that 0:39:01.160 --> 0:39:04.040 I can decide what service looks like with that guilt, 0:39:04.239 --> 0:39:04.520 you know. 0:39:05.640 --> 0:39:08.919 Yeah, I think that I think that the key there 0:39:09.040 --> 0:39:12.720 is that you can still give while also taking for yourself. 0:39:12.760 --> 0:39:14.200 And I think that that's something that's helped me a 0:39:14.200 --> 0:39:16.520 lot in my career and at times hurt me a lot. 0:39:16.520 --> 0:39:19.879 In my career. I've definitely switched. I've got I've gone 0:39:19.920 --> 0:39:23.640 from being too giving to being too taky, and you know, 0:39:23.800 --> 0:39:26.399 and being like the selfish one. And sometimes you kind 0:39:26.400 --> 0:39:28.239 of have to do that and you know, put your 0:39:28.239 --> 0:39:31.080 blinders on and just sort of be selfish and and 0:39:31.160 --> 0:39:33.920 take whatever you need from something, and then you have 0:39:34.000 --> 0:39:36.120 to sort of like get back and shift back and forth. 0:39:36.120 --> 0:39:39.000 So I'm not I'm not perfect in any any one direction. 0:39:39.040 --> 0:39:41.640 I'm not even gonna try, but I think that it 0:39:41.680 --> 0:39:42.880 was just I don't know, it just really struck a 0:39:42.960 --> 0:39:44.520 chord me. It definitely struck a chord with you. So 0:39:44.520 --> 0:39:45.680 you should go watch the tent Talk. 0:39:46.239 --> 0:39:48.360 I should stand it or like put it in the 0:39:48.440 --> 0:39:50.360 things it because I'm like, oh my gosh, that is 0:39:50.840 --> 0:39:53.160 I just don't want to be like eighty years old, Like, dang, girl, 0:39:53.760 --> 0:39:55.880 when's the last time you did anything for yourself, like 0:39:56.080 --> 0:39:58.840 truly for yourself, not for yourself by way of business 0:39:58.960 --> 0:39:59.479 when I give. 0:39:59.360 --> 0:40:02.480 You tips because I'm really good at it. Like I 0:40:02.560 --> 0:40:05.080 just bought myself Broadway tickets last night. It's like, I 0:40:05.080 --> 0:40:07.440 feel like the last couple of years, I found out 0:40:07.440 --> 0:40:09.680 what I like and what I value and what makes 0:40:09.680 --> 0:40:11.919 me happy, and I just keep doing it. And it's 0:40:12.000 --> 0:40:15.120 just like, I mean, I'm not happy, you know, blissful 0:40:15.120 --> 0:40:19.719 all the time. I'm human, but I have That's gonna 0:40:19.719 --> 0:40:21.759 sound terrible, but I mean not terrible, but I'm just 0:40:21.760 --> 0:40:24.160 gonna say it. This year, I it was like the 0:40:24.200 --> 0:40:26.000 worst year, you know, in a lot of in many 0:40:26.040 --> 0:40:28.440 ways for the country and for future and everything like that. 0:40:28.480 --> 0:40:32.160 But I just had so many highlights, you know, personally 0:40:32.239 --> 0:40:34.799 and with my family and you know, my brother and 0:40:34.800 --> 0:40:36.200 I went to London this year. I got to go 0:40:36.239 --> 0:40:39.759 to India this year. I saw Hamilton this year. You know, 0:40:40.000 --> 0:40:43.680 I went camping with my friends this year. I I 0:40:43.760 --> 0:40:45.799 you know, I got started working out again. 0:40:45.840 --> 0:40:46.160 This year. 0:40:46.200 --> 0:40:49.560 I got certified to be a Zoomba instructor. I started 0:40:49.560 --> 0:40:52.680 a new job. I it kind of blew my mind, 0:40:52.760 --> 0:40:56.839 you know, this year, and I think I and in 0:40:56.840 --> 0:41:01.200 some aspects I let some of my you know, I 0:41:01.320 --> 0:41:03.040 you know, personally, like for the fun stuff I've been 0:41:03.080 --> 0:41:06.399 doing a really good job. There's some goals that I've 0:41:06.440 --> 0:41:08.680 had that I've put on the back burner because I 0:41:08.840 --> 0:41:11.200 have been saying that I have there's you know, just 0:41:11.239 --> 0:41:13.040 like there's too much going on right now, you know, 0:41:13.760 --> 0:41:15.680 you know, can't normally have time to focus on that. 0:41:15.800 --> 0:41:17.480 And I started a new job and I'm sort of 0:41:17.520 --> 0:41:19.960 making that, you know, there's a lot of stress and 0:41:20.120 --> 0:41:23.960 challenge around that, and I've kind of let some professional 0:41:24.040 --> 0:41:26.839 goals of mine slip away. But one of the first 0:41:26.840 --> 0:41:29.640 things I did last week was I got rid of 0:41:29.680 --> 0:41:33.160 a couple of responsibilities that I've had, obligations that I 0:41:33.200 --> 0:41:35.840 haven't been bringing me much happiness, and I've been adding 0:41:35.920 --> 0:41:39.520 stress that have been on a volunteer basis, and I quit. 0:41:40.360 --> 0:41:42.360 I put in my resignation for a group I'm a 0:41:42.400 --> 0:41:45.480 part of, and it was really hard to send that 0:41:45.560 --> 0:41:47.480 reject I even it was in my drafts for like 0:41:47.520 --> 0:41:49.680 two days, resigning from this group that I was on 0:41:49.719 --> 0:41:52.600 the board of. And I but I was like this, 0:41:52.880 --> 0:41:54.920 you know, it's taking up time and it's not making 0:41:54.960 --> 0:41:59.000 me happy doing it, and I and I'm I'm slowly 0:41:59.080 --> 0:42:01.160 starting to like free up space for this one big 0:42:01.200 --> 0:42:05.240 ambition I sort of have for next year Brown Ambition, Hey, 0:42:04.560 --> 0:42:07.400 And I'm just like doing it because it's the only 0:42:07.480 --> 0:42:09.120 way I'm going to be able to do my job, 0:42:09.160 --> 0:42:12.880 which is already really time consuming and still keeping myself 0:42:12.880 --> 0:42:16.080 happy and do this other project on the side. So 0:42:16.280 --> 0:42:19.799 I yeah, I'm feeling I'm am I saying, like, am 0:42:19.800 --> 0:42:23.200 I jinxing myself? But I feel like twenty seventeen could 0:42:23.239 --> 0:42:26.600 be even better. But I'm not going to stop doing 0:42:26.600 --> 0:42:29.520 the fun stuff. Like I already bought Broadway tickets for February, 0:42:29.800 --> 0:42:30.879 and that's what I want to start. 0:42:31.000 --> 0:42:33.400 I want to I feel like we should almost like 0:42:33.440 --> 0:42:36.239 I want to check in because it's easy for me 0:42:36.280 --> 0:42:38.000 to say it, but sometimes not easy for me to 0:42:38.040 --> 0:42:41.759 do it, like checking in even with the Brown Ambition listeners, 0:42:41.800 --> 0:42:43.120 to check in to be like what did you do 0:42:43.160 --> 0:42:44.080 for yourself this week? 0:42:44.760 --> 0:42:48.160 You know, like did you you know what's a what's 0:42:48.320 --> 0:42:49.040 a you moment? 0:42:49.680 --> 0:42:51.479 That wasn't that on the Oprah The Making of Oprah 0:42:51.560 --> 0:42:53.560 podcasts that you turned me on too? That was really good? 0:42:53.960 --> 0:42:56.480 Like a classic Oprah thing is you know, write down 0:42:56.520 --> 0:42:59.399 a list of priorities that you have and then check 0:42:59.400 --> 0:43:01.600 your list, say where am I on this list? And 0:43:01.640 --> 0:43:03.439 like the women is almost never at the top. 0:43:03.640 --> 0:43:06.120 Never yeah, but just checking in, like, you know, did 0:43:06.120 --> 0:43:06.920 you do anything for you? 0:43:06.960 --> 0:43:08.400 It could just be as simple as you know, like 0:43:08.480 --> 0:43:10.440 I you know, I went for a walk or I 0:43:10.480 --> 0:43:14.239 read a book or you know whatever that looks like 0:43:14.400 --> 0:43:16.080 you know what really cracked open the door for me? 0:43:16.080 --> 0:43:16.960 My friend I have. 0:43:17.680 --> 0:43:20.920 I'm really grateful that one thing I'm smart enough to 0:43:20.960 --> 0:43:23.759 do is to have friends that are not like me. So, 0:43:24.040 --> 0:43:27.000 like one of my friends, he's really fancy, I mean 0:43:27.160 --> 0:43:30.760 like Fansee there's fancy, and there's Fonsee. 0:43:31.040 --> 0:43:33.359 He is from See and. 0:43:33.280 --> 0:43:36.360 So he's the type that like like he'll like So 0:43:36.480 --> 0:43:39.560 he's like my my my gay husband. And so Superman 0:43:39.640 --> 0:43:41.160 is always where are you going out with your gay husband? 0:43:41.200 --> 0:43:44.480 I'm like, And so when we go out, he always 0:43:44.560 --> 0:43:44.920 will be. 0:43:44.880 --> 0:43:47.520 Like, oh, let's try this restaurant, like places that I 0:43:47.560 --> 0:43:48.680 would never go. 0:43:49.040 --> 0:43:51.160 I go with him, you know, things that I would 0:43:51.200 --> 0:43:54.480 never do, like we do, and so I like it. 0:43:54.560 --> 0:43:56.319 In the beginning, I used to fight against it because 0:43:56.320 --> 0:43:58.759 I'm like, well, I don't really want to. I'm like 0:43:58.800 --> 0:44:01.959 Tiffany's e bury in something different than you would never 0:44:02.080 --> 0:44:04.719 do or go. And so he really has opened my 0:44:04.719 --> 0:44:08.600 eyes up to like, okay, you know, the these things are, 0:44:08.880 --> 0:44:11.120 you know, just as valuable as you know, like you 0:44:11.160 --> 0:44:12.319 can't count pennies all the time. 0:44:12.320 --> 0:44:14.160 And honestly, it's not even then I'm all that cheap. 0:44:14.160 --> 0:44:14.520 It's not. 0:44:14.800 --> 0:44:17.080 It's just that I always feel like I don't deserve. 0:44:17.160 --> 0:44:19.840 Not I don't deserve, but it's not that serious. I 0:44:19.840 --> 0:44:22.120 can use this and help someone else, you know. And 0:44:22.200 --> 0:44:25.800 so he asked me what my ideal car was, and 0:44:26.040 --> 0:44:28.960 I my, like ideal. 0:44:28.600 --> 0:44:30.919 Car when I'm like super rich. 0:44:30.960 --> 0:44:33.680 That's what I told him. Anyway, was a land Rover, 0:44:34.080 --> 0:44:36.799 a range Rover, and a range Rover. And he was like, 0:44:36.840 --> 0:44:39.640 have you ever test driveny one? And I was like, what, boy, 0:44:39.640 --> 0:44:41.600 anybody by I know, eighty thousand dollars car. That's just like, 0:44:41.600 --> 0:44:43.040 you know, the dream car you have in your head. 0:44:43.840 --> 0:44:45.560 He was like, at least test drives if you don't 0:44:45.560 --> 0:44:46.759 have to buy it, and I'm like, I don't. 0:44:46.960 --> 0:44:48.520 I don't want to, And I don't know why I 0:44:48.560 --> 0:44:50.000 didn't want to. I was just afraid. 0:44:50.360 --> 0:44:52.279 And so he made me go and we test drove 0:44:52.320 --> 0:44:53.719 one and I loved it. 0:44:54.440 --> 0:44:57.400 And those things are huge. That's a Jersey girl coming out. 0:44:57.680 --> 0:45:00.440 Yeah no, no, I drove a sport, so it's like 0:45:00.719 --> 0:45:03.239 it's much smaller than the other one. 0:45:03.280 --> 0:45:05.560 So the sport is Yeah. So they're really cute. 0:45:05.560 --> 0:45:06.960 And so we were talking to the lady about how 0:45:07.040 --> 0:45:08.880 much across the month and he was like, you know, 0:45:08.920 --> 0:45:12.160 because I'm thinking eighty thousand dollars, and honestly it was 0:45:12.160 --> 0:45:14.480 like maybe like nine something a month and maybe like 0:45:14.880 --> 0:45:18.640 with insurance, maybe like I don't know, thirteen thirteen, thirteen 0:45:18.680 --> 0:45:20.359 hundred dollars a month, which obviously. 0:45:20.080 --> 0:45:21.279 I'm like, girl, anybody buying that? 0:45:21.400 --> 0:45:25.120 But I told myself, but what if your business makes 0:45:25.160 --> 0:45:28.080 three million dollars, you know, and you take home of 0:45:28.120 --> 0:45:30.880 that three million, you take home nearly a million of that? 0:45:31.320 --> 0:45:35.480 Would that be crazy? You know? And I thought it wouldn't, 0:45:35.680 --> 0:45:35.880 you know. 0:45:36.040 --> 0:45:37.759 So I'm like, and that's not Honestly, that's not too 0:45:37.800 --> 0:45:40.120 far off the you know, the budget. Lisa is on 0:45:40.280 --> 0:45:43.160 tasks to be that, not this year, but definitely on 0:45:43.280 --> 0:45:45.560 track to do that. And so what it did was 0:45:45.640 --> 0:45:50.120 it made this thing that seems so out of reach reachable, like, Okay, 0:45:50.200 --> 0:45:53.200 so if your business takes in a certain amount and 0:45:53.239 --> 0:45:56.280 you your take home pays a certain amount, that's not crazy. 0:45:56.320 --> 0:45:58.360 That's like telling Oprah she can't buy a five hundred 0:45:58.360 --> 0:46:00.000 dollars short why she's a billionaire. 0:46:01.160 --> 0:46:04.920 Yes, it's important though that you're waiting, you know. It's like, yeah, 0:46:05.239 --> 0:46:08.719 a lot of people who have range rovers can't have 0:46:09.080 --> 0:46:10.920 one of exactly. 0:46:10.920 --> 0:46:13.040 I would never obtusly like that. I would never get it. 0:46:13.080 --> 0:46:15.120 I would definitely that that's well. The budget he sent 0:46:15.200 --> 0:46:17.120 me is always like it has to make financial sense. 0:46:17.239 --> 0:46:19.480 But what it allowed me to do is say, well, 0:46:19.719 --> 0:46:23.040 you told yourself no without even knowing what the numbers were. 0:46:23.200 --> 0:46:24.759 That's how does that work for me? 0:46:25.160 --> 0:46:28.160 Both ways are crazy when you buy something without knowing 0:46:28.160 --> 0:46:30.080 the numbers and putting yourself in harm's way. 0:46:30.160 --> 0:46:31.879 But it's also silly to. 0:46:31.920 --> 0:46:34.000 Not even ask what the numbers are, just to say, oh, yeah, 0:46:34.000 --> 0:46:34.520 I can't get it. 0:46:34.560 --> 0:46:35.160 How do you know? 0:46:35.719 --> 0:46:37.319 What are the numbers? And so it was just a 0:46:37.320 --> 0:46:39.719 great lesson. It's just a great lesson for the for 0:46:39.800 --> 0:46:42.160 the brown ambition listeners that like, if there's something that 0:46:42.200 --> 0:46:46.040 you desire that you know, if whether you're impulsive like 0:46:46.120 --> 0:46:49.280 some folks or whether you're reserved like me, either way, 0:46:49.680 --> 0:46:52.399 figure out the numbers first before you move, and then 0:46:52.440 --> 0:46:55.479 from that make your decision and then if it can't 0:46:55.520 --> 0:46:57.319 work now, it doesn't mean it won't work later, and 0:46:57.360 --> 0:46:59.160 so just plan for it to moving forward so that 0:46:59.160 --> 0:47:00.000 way you can make it work. 0:47:09.640 --> 0:47:11.440 So is it tips time? 0:47:11.800 --> 0:47:15.200 It is tips time? Tips time? What tips? So this 0:47:15.280 --> 0:47:17.480 is a great time to talk about the Literature Challenge. 0:47:18.040 --> 0:47:21.040 Go ahead and tell the people this is the annual 0:47:21.040 --> 0:47:22.080 Literature Challenge. 0:47:22.520 --> 0:47:27.319 Yeah so yeah, so the people. The Liverature Challenge is 0:47:28.280 --> 0:47:30.040 something I do every year. Well, this is our third 0:47:30.120 --> 0:47:34.239 year doing it. It's a free online financial resource that 0:47:34.280 --> 0:47:38.640 I created specifically for women. And the way the resource 0:47:38.680 --> 0:47:41.399 works is that you sign up in the first three 0:47:41.480 --> 0:47:44.680 weeks of the new year. Collectively you get to work 0:47:44.760 --> 0:47:47.839 alongside a whole bunch of women working on the same 0:47:47.880 --> 0:47:50.920 thing every day, so in your inbox, we all get 0:47:50.960 --> 0:47:53.759 the same task that's related to the year's theme. This 0:47:53.840 --> 0:47:56.800 year's theme is all about credit. Like twenty sixteen it 0:47:56.880 --> 0:47:59.800 was all about saving, so twenty seventeen all about credit. 0:47:59.840 --> 0:48:02.960 That means for twenty two days, three weeks, you get 0:48:03.000 --> 0:48:07.080 an easy, breezy credit tip or resource in your inbox. 0:48:07.160 --> 0:48:09.160 And what's great about it is that you're not alone 0:48:09.520 --> 0:48:13.520 because upwards of two hundred and sixty thousand women from 0:48:13.560 --> 0:48:17.760 around the world are have signed up for the challenge. 0:48:17.800 --> 0:48:20.319 Of course everyone's not doing it because you know, people 0:48:20.320 --> 0:48:21.799 sign up but don't do it. But still it's a 0:48:21.800 --> 0:48:23.680 ton of women who are doing it along with you. 0:48:23.960 --> 0:48:27.120 And we have a private Facebook group where you can 0:48:27.160 --> 0:48:30.040 get daily support and we are sponsored by the amazing 0:48:30.120 --> 0:48:34.680 Magnified Money where Mandy works. And what I love about 0:48:34.719 --> 0:48:37.440 Magnified Money is that I have been rocking with Magnified 0:48:37.440 --> 0:48:38.919 Money for like the last I don't know, like two 0:48:39.000 --> 0:48:41.920 or three years, way before any sort of sponsorships or anything. 0:48:42.000 --> 0:48:44.319 It was just such a great website. Actually, you know 0:48:44.400 --> 0:48:48.319 what I remember, Magnified Money. I use them as a 0:48:48.360 --> 0:48:50.480 resource and shared them as a resource in the very 0:48:50.480 --> 0:48:52.960 first challenge. So that's how long we've been rocking together. 0:48:53.400 --> 0:48:55.880 And so for them to come in as a sponsor. 0:48:55.960 --> 0:48:58.479 So also because it's already in alignment, I'm not gonna 0:48:58.520 --> 0:48:59.680 lie and tell the snick. 0:49:00.280 --> 0:49:02.520 But when we were going when we were going. 0:49:02.320 --> 0:49:04.759 Through the task of like where he was like, oh, 0:49:04.800 --> 0:49:06.680 you know, part of sponsorship, I'd love for us to 0:49:06.680 --> 0:49:07.359 be on this day. 0:49:07.360 --> 0:49:09.280 On this day, girl, y'all are there. 0:49:11.120 --> 0:49:12.920 Because like, honestly, that's why I love about it, Like 0:49:13.000 --> 0:49:14.240 I love Magnified Money. 0:49:14.280 --> 0:49:16.279 Like so it was I would say ninety. 0:49:15.960 --> 0:49:18.759 Percent of the requests it was already there because I 0:49:18.840 --> 0:49:21.440 was like, uh, we were gonna we had you there anyway, Okay, 0:49:21.520 --> 0:49:24.600 well we had. 0:49:23.000 --> 0:49:25.560 Got this for free. 0:49:25.840 --> 0:49:28.319 No, But honestly, it's I mean, obviously like putting your name, 0:49:28.680 --> 0:49:31.160 you know, on the on the challenges is huge. But 0:49:31.200 --> 0:49:33.319 still I say that to say that for those of 0:49:33.360 --> 0:49:36.400 you listening Magnify Money. It's just this great website that 0:49:36.440 --> 0:49:37.920 I have loved for a long time. And what I 0:49:37.920 --> 0:49:40.880 love about it is that if you're looking to compare 0:49:41.320 --> 0:49:45.160 a financial resource or product, you go to Magnify Money, 0:49:45.200 --> 0:49:48.400 and you know that you're getting an honest comparison in 0:49:48.440 --> 0:49:49.440 an honest review. 0:49:49.840 --> 0:49:53.160 There are some websites that compare, but companies pay them 0:49:53.239 --> 0:49:55.480 for good reviews. You do not have to worry about 0:49:55.520 --> 0:49:56.480 that at Magnified Money. 0:49:56.920 --> 0:49:59.560 And what I really like too is that it's so easy, 0:49:59.600 --> 0:50:01.160 like you know how to say, well, I don't is 0:50:01.160 --> 0:50:01.719 it good or bad? 0:50:01.760 --> 0:50:02.440 I don't get it. No. 0:50:02.600 --> 0:50:04.759 Magnifying Money is like this is an F, this is 0:50:04.800 --> 0:50:07.839 an A, this is a C. So you know exactly 0:50:08.520 --> 0:50:12.239 very quickly what this financial product or services rated, and 0:50:12.280 --> 0:50:14.319 then two, you can read deeper as to. 0:50:14.239 --> 0:50:16.799 Why they have that rating. So it's just a great fit. 0:50:17.560 --> 0:50:19.880 And so if you have not signed up for the challenge, 0:50:20.080 --> 0:50:21.759 the good thing about the challenge is, yes, we do 0:50:21.800 --> 0:50:25.719 it collectively in January, but then after January it's over. 0:50:26.080 --> 0:50:28.640 I automated, So it's actually automated now, so you can 0:50:28.640 --> 0:50:31.200 sign up at any time throughout the whole year and 0:50:31.239 --> 0:50:33.719 do the challenge at any time with yourself or with 0:50:33.760 --> 0:50:37.560 someone else. If you go to l for Live, R 0:50:37.760 --> 0:50:42.600 for Richer, c for Credit l RC credit dot com 0:50:43.000 --> 0:50:44.840 and you can sign up, it's totally free. 0:50:45.000 --> 0:50:46.640 It will always be free. 0:50:47.000 --> 0:50:49.440 This is our third year of free on free and 0:50:49.480 --> 0:50:52.160 it's really my goal and my intention to help as 0:50:52.200 --> 0:50:57.000 many women, especially women of color, have the tools, resources, 0:50:57.280 --> 0:51:00.680 access and encouragement they need to live your life. 0:51:00.920 --> 0:51:03.360 And I know we have a lot of dreamcatchers listening anyway, 0:51:03.480 --> 0:51:05.200 So shout out to you guys. Good luck. 0:51:05.760 --> 0:51:10.000 Yeah, if you're a catcher, like, tell them what a 0:51:10.080 --> 0:51:10.839 dream catcher is. 0:51:11.120 --> 0:51:14.440 A dream catcher is someone who participates in the Super 0:51:14.480 --> 0:51:18.239 Secret Private Literature Challenge Facebook group. Right, that's kind of 0:51:18.239 --> 0:51:20.120 the name that they've you take on. You become a 0:51:20.200 --> 0:51:22.400 dream Catcher because you're going to go catch your dreams. 0:51:22.440 --> 0:51:23.600 I don't know what is a dream. 0:51:24.560 --> 0:51:27.680 Yeah, basically I've said Dreamcatchers, like anybody who just basically 0:51:28.080 --> 0:51:30.080 is doing the challenge or maybe you follow my brand 0:51:30.120 --> 0:51:32.400 the budget He's said, Oh, you know, you don't necessarily 0:51:32.520 --> 0:51:35.240 participate in the challenge or not on Facebook. So anybody 0:51:35.320 --> 0:51:39.919 who is working with me directly anddirectly to to really 0:51:40.080 --> 0:51:42.360 work on their finances, you are a dream Catcher. You 0:51:42.440 --> 0:51:45.160 are actively working toward your best life and your better life. 0:51:45.600 --> 0:51:48.760 And so what I love about it, Emily, Yeah, exactly. 0:51:49.040 --> 0:51:50.640 And what I love is that no matter where, we 0:51:50.920 --> 0:51:53.319 just launched so actually, oh I can announce it here. 0:51:53.360 --> 0:51:57.040 We just launched our official DreamCatcher chapters and by next 0:51:57.080 --> 0:51:59.960 week they'll people will be able to see exactly where 0:52:00.080 --> 0:52:03.080 they're located. So you can join the DreamCatcher chapters meet 0:52:03.120 --> 0:52:05.160 in person. So if you're like, you know what, I 0:52:05.280 --> 0:52:08.319 actually want to meet women and work together to get 0:52:08.360 --> 0:52:11.399 my finances straight, you can. There's about I want to say, 0:52:11.400 --> 0:52:13.760 between twenty and thirty official chapters, and we'll be adding 0:52:13.800 --> 0:52:16.600 more on and you're going to have support, support, support, 0:52:16.680 --> 0:52:19.200 and so yeah, being a DreamCatcher is pretty dope, because 0:52:19.200 --> 0:52:21.319 no matter where you go in the country, there are 0:52:21.360 --> 0:52:23.920 always women there who are really there to help you 0:52:24.600 --> 0:52:26.080 get on track, and you're never alone. 0:52:26.600 --> 0:52:28.800 And the dream Coachers are just so nice for the 0:52:28.880 --> 0:52:29.719 most part, Like they just. 0:52:29.719 --> 0:52:30.399 Are the most nice. 0:52:31.280 --> 0:52:33.840 Even sometimes they get a little saddy and I'm like, 0:52:34.640 --> 0:52:36.239 they're on their good behavior on the first week of 0:52:36.280 --> 0:52:36.800 the challenge. 0:52:37.800 --> 0:52:40.160 I have to say that because you have to think 0:52:40.200 --> 0:52:43.040 to yourself, it's a group of like really passionate women, 0:52:43.120 --> 0:52:45.800 so sometimes you know they can get a little sassy, 0:52:45.840 --> 0:52:47.360 But I would say, honestly, for the most part, I 0:52:47.360 --> 0:52:50.200 would say ninety percent of the time, the dream Catchers 0:52:50.200 --> 0:52:53.000 are on their best behavior, and you know, and those 0:52:53.080 --> 0:52:55.200 that are not, I have a zero tolerce Like typically 0:52:55.239 --> 0:52:57.840 I'm super like, super nice, happy, go lucky, but we 0:52:57.960 --> 0:52:59.880 delete and ban any negativity. 0:53:00.360 --> 0:53:02.200 You get no second chances with negativity. 0:53:02.440 --> 0:53:05.480 But how could they be for real, I'm like, delete band, 0:53:05.520 --> 0:53:07.040 and then they'll hit me behind the scenes and be like, 0:53:07.080 --> 0:53:08.040 I am so sorry girl. 0:53:08.080 --> 0:53:08.960 I'm like, yeah, me too. 0:53:09.360 --> 0:53:14.360 Nope, when you're out, you're out. Well on behalf of 0:53:14.440 --> 0:53:16.440 Magnified Money. Just want to say we're I mean, I mean, 0:53:16.480 --> 0:53:19.640 I obviously it's just you know, it's the perfect my 0:53:19.760 --> 0:53:23.920 world's colliding situation. I get to be, you know, supporting 0:53:23.960 --> 0:53:27.239 Tiffany in a tangible way, which is awesome, you know, 0:53:27.320 --> 0:53:29.399 providing some of the fun little freebies you guys get 0:53:30.000 --> 0:53:32.160 during the challenge, and you know we hand wrote those 0:53:32.200 --> 0:53:34.719 things and prepared them for you guys. So with love 0:53:34.880 --> 0:53:38.360 and Magnified Money, the mission is completely consumer financial education, 0:53:38.480 --> 0:53:42.480 which is just perfect synergy with whose synergy with the 0:53:42.520 --> 0:53:46.120 literature challenge show can't wait? Hopefully again and again, Yeah, 0:53:47.280 --> 0:53:47.719 I hope. 0:53:47.800 --> 0:53:50.040 So, so what's this question that we have? 0:53:50.239 --> 0:53:52.160 I mean, it couldn't be better. In fact, I almost 0:53:52.160 --> 0:53:54.520 wonder if Nick, because it's from someone named Nicole, I 0:53:54.600 --> 0:53:56.520 almost wonder if Nick wrote this question. 0:53:57.040 --> 0:53:58.960 Nick is the founder of Magnified Money, I know. 0:53:59.040 --> 0:54:01.839 Because it was Nick could not He is the king 0:54:02.080 --> 0:54:03.840 of Magnified Money, but also the king of what I 0:54:03.920 --> 0:54:06.360 call the balance transfer king, and that he is obsessed 0:54:06.360 --> 0:54:08.839 with them and that's like his favorite tool for getting 0:54:08.880 --> 0:54:10.960 out of debt. But let me go ahead and read 0:54:11.000 --> 0:54:14.239 this question from listener Nicole. So I'm a huge fan 0:54:14.600 --> 0:54:16.239 of both of you, and thank you for the work 0:54:16.280 --> 0:54:19.560 you do. I've accumulated quite a lot of credit card 0:54:19.640 --> 0:54:21.719 debt last year, but I still managed to pay more 0:54:21.760 --> 0:54:24.480 than the minimum thanks to four streams of income. Go 0:54:24.600 --> 0:54:26.920 girl and keep my credit score up. However, yesterday I 0:54:27.000 --> 0:54:29.879 called my credit card company to request a lowered interest rate, 0:54:30.960 --> 0:54:33.719 and they told me about offers for balance transfers. I've 0:54:33.800 --> 0:54:36.719 never used balance transfers before. Though I basically know what 0:54:36.760 --> 0:54:39.080 it's about, I'm still a bit unsure. I asked a 0:54:39.120 --> 0:54:40.799 lot of questions, so I'm pretty sure I know all 0:54:40.800 --> 0:54:42.959 of the terms. My only issue is finding a tool 0:54:43.080 --> 0:54:45.759 to help me calculate the amount I should transfer in 0:54:45.960 --> 0:54:49.680 which offer. She's got a couple of different offers on 0:54:49.880 --> 0:54:53.320 the table. Any suggestions and advice you can offer is 0:54:53.400 --> 0:54:54.279 greatly appreciated. 0:54:54.960 --> 0:54:56.839 Hello, I mean Magnify Money. 0:54:56.880 --> 0:55:00.520 People not sound like Nick wrote that question? I know, like, no, 0:55:00.719 --> 0:55:03.879 I can find help me with balance transfers. Yes, there 0:55:04.160 --> 0:55:06.439 is that Magnified Money dot Yeah. 0:55:07.200 --> 0:55:07.759 Literally you go. 0:55:07.960 --> 0:55:09.719 If you go to magnified money dot com, there's a 0:55:09.800 --> 0:55:12.520 button that says like compare on the top, and then 0:55:12.600 --> 0:55:14.799 it's to drop down and then it says balanced trans 0:55:14.880 --> 0:55:16.840 or Honestly, I can honestly say I. 0:55:16.840 --> 0:55:17.799 Think it was two years ago. 0:55:17.920 --> 0:55:20.040 I use this tool and I was like, Oh, I 0:55:20.120 --> 0:55:23.840 have this credit card and my interest is about to 0:55:23.960 --> 0:55:26.360 kick it, and I really want to transfer it to 0:55:26.480 --> 0:55:29.439 another card so I can pay it off interest free. 0:55:29.520 --> 0:55:32.520 Because typically the balanced transfer card. 0:55:32.400 --> 0:55:35.120 That you're getting will offer you, if you have good credit, 0:55:35.880 --> 0:55:39.040 no interest for six months upwards, sometimes at fifteen months 0:55:39.080 --> 0:55:39.480 I've seen. 0:55:40.160 --> 0:55:41.000 So that means that. 0:55:41.280 --> 0:55:43.480 When you don't pay interest on debt, that means all 0:55:43.560 --> 0:55:45.960 the money you send to it goes to the principle 0:55:46.040 --> 0:55:49.000 to what you actually owe versus what you owe plus 0:55:49.040 --> 0:55:50.920 a little something for the company that you own. That's 0:55:50.920 --> 0:55:54.000 what interest is, aka a little something for the company 0:55:54.040 --> 0:55:54.560 you own. 0:55:54.800 --> 0:55:58.360 Right, And so so I use magnified money. I found. 0:55:58.920 --> 0:56:00.799 I think it was like the Chase Fire card or whatever, 0:56:00.840 --> 0:56:02.560 because I also put in that I was looking for 0:56:03.400 --> 0:56:05.759 a travel card because I wanted like a card or 0:56:05.760 --> 0:56:08.400 a venture card. I think that's what I got. So anyway, 0:56:08.480 --> 0:56:13.080 I balance transferred my my balance over and I had 0:56:13.160 --> 0:56:14.640 good credit, so I think it was like a year. 0:56:14.680 --> 0:56:16.759 They gave me a year of interest free and I 0:56:16.800 --> 0:56:18.600 made sure it was a travel card, and so it 0:56:18.719 --> 0:56:22.160 was like a win on win. So yeah, magnify money, 0:56:22.200 --> 0:56:26.279 but ask yourself aside from just balance transfer. Is there 0:56:26.400 --> 0:56:29.120 anything else that you like your card to do for 0:56:29.200 --> 0:56:30.600 you so you can get like a double win. 0:56:31.560 --> 0:56:34.880 Absolutely, But the thing she mentions as she mentions that, 0:56:35.040 --> 0:56:37.000 you know, there's a balance transfer fee and she's wondering 0:56:37.040 --> 0:56:40.640 about that. So just a couple of cautions about balance transfers, 0:56:40.640 --> 0:56:42.800 because the first thing that I like to say with 0:56:42.880 --> 0:56:45.160 balance transfers is that you can get in a cycle 0:56:45.200 --> 0:56:47.160 where it's like where you can think, Okay, well I've 0:56:47.160 --> 0:56:49.520 transferred my balance onto a zero percent interest credit card, 0:56:49.600 --> 0:56:52.600 and I'm like, hey, I'm amazing, I don't not pay 0:56:52.600 --> 0:56:54.120 an interest to anymore. So let me go to the mall, 0:56:54.200 --> 0:56:57.040 let me charge this, let me charge that, and when that, 0:56:57.360 --> 0:56:59.480 when that twelve month period ends, they're going to hit 0:56:59.560 --> 0:57:01.719 you with all that interest, you know. So a lot 0:57:01.760 --> 0:57:05.080 of them do have interest clauses where they can hit 0:57:05.080 --> 0:57:06.439 you with interest at the end of the twelve months, 0:57:06.480 --> 0:57:10.000 and of course those offers are temporary. So it's really 0:57:10.040 --> 0:57:13.720 important to ask yourself how you got in the situation 0:57:13.840 --> 0:57:16.200 that you're in beforehand, like what is it in your 0:57:16.400 --> 0:57:19.040 is your budget out of whack or did something a 0:57:19.120 --> 0:57:21.560 one time expense come up that you weren't prepared for. 0:57:21.680 --> 0:57:22.920 And you had to put it on credit and you 0:57:22.960 --> 0:57:24.920 had a hard time paying it off, and just sort 0:57:24.920 --> 0:57:28.000 of identify the problem before you put a band aid 0:57:28.080 --> 0:57:29.960 on it, because the balance transfer is just a band 0:57:30.000 --> 0:57:32.880 aid on what might be a bigger issue. But just 0:57:32.960 --> 0:57:36.200 down to the facts, balance transfers obviously come with fees. 0:57:36.200 --> 0:57:39.440 There's usually a fee of three percent. It can be 0:57:39.520 --> 0:57:41.360 worth it if you have a pretty large balance, but 0:57:41.480 --> 0:57:44.280 just make sure you compare the fee to what you'll 0:57:44.400 --> 0:57:47.560 save an interest when you're thinking about it. Also, you 0:57:47.680 --> 0:57:50.040 have to do them quickly, so on most cards, balance 0:57:50.080 --> 0:57:52.560 transfer offers are only valid if you complete the transfer 0:57:52.720 --> 0:57:56.320 within the first sixty days, so the clock starts ticking. 0:57:56.720 --> 0:57:58.760 Don't just get the transfer, get the offer, and then 0:57:58.800 --> 0:58:01.320 forget about it, because then you're stuck with your old 0:58:01.440 --> 0:58:03.040 high interest debt and you've got a new card that 0:58:03.040 --> 0:58:05.680 you have to worry about. And then one month before 0:58:05.720 --> 0:58:07.800 your rate expires, if you still have a balance, Like 0:58:07.840 --> 0:58:10.080 I said, it's really important you start looking around for 0:58:10.160 --> 0:58:13.000 another balance transfer offer out there because if you have 0:58:13.080 --> 0:58:15.560 a zero percent interest period, when it expires, the interest 0:58:15.640 --> 0:58:19.960 rate's going to rise significantly. Yeah. And then lastly, you 0:58:20.040 --> 0:58:22.120 just don't spend on the new card. I mean, unless 0:58:22.560 --> 0:58:24.560 that zero percent offer is going to extend to whatever 0:58:24.600 --> 0:58:26.640 you charge on it, You're going to be charged the 0:58:26.840 --> 0:58:29.280 interest on any spending you do on top of your 0:58:29.760 --> 0:58:31.920 your transfer and just rack up more debt and be 0:58:32.040 --> 0:58:35.480 in even more trouble. So those are the cautionary tips, 0:58:35.520 --> 0:58:38.160 but definitely go to Magnified Money. You're not going to 0:58:38.200 --> 0:58:41.440 find a better tool to compare balance transfers on the 0:58:41.520 --> 0:58:43.320 interwebs sore. 0:58:43.920 --> 0:58:45.000 And we're not really just saying that. 0:58:45.120 --> 0:58:47.640 Like I said, even before you know, Magnified Money became 0:58:48.040 --> 0:58:50.640 a sponsor for the child, Like, that's literally the tool 0:58:50.680 --> 0:58:53.240 that I use myself personally about two or three years ago, 0:58:53.680 --> 0:58:56.400 and I was like, oh, this is easy, done and done, and. 0:58:56.440 --> 0:58:59.080 We're gene Chatski approved. We found out gene Chatsky mentioned 0:58:59.160 --> 0:59:01.680 us on the like the Today Show one time, and 0:59:01.760 --> 0:59:03.760 so yeah, Jean I loved. 0:59:03.880 --> 0:59:05.680 I was just on her podcast. She has a podcast 0:59:05.760 --> 0:59:06.440 called Her Money. 0:59:07.000 --> 0:59:08.520 I need to get around to listening to that. I 0:59:08.600 --> 0:59:10.960 love Jean's just so I just want to give her 0:59:11.000 --> 0:59:12.000 a hug or something. 0:59:11.720 --> 0:59:13.880 And she's really nice. I met her at fin Con 0:59:13.920 --> 0:59:15.200 and that's when she invited me to come on. 0:59:15.280 --> 0:59:15.680 She called me. 0:59:16.720 --> 0:59:19.400 Yeah, she called me the energizer bunny of personal finance. 0:59:21.880 --> 0:59:23.600 I don't know where she got that idea from. 0:59:24.240 --> 0:59:25.200 Well there could be worse. 0:59:26.520 --> 0:59:29.040 No, I don't mind, but yeah, she was. She was 0:59:29.080 --> 0:59:29.600 at fin Con. 0:59:29.760 --> 0:59:32.880 She because Fidelity, I guess, was one of the sponsors, 0:59:32.920 --> 0:59:35.800 and they had like this like, uh, Tanya and Melody 0:59:35.840 --> 0:59:37.720 who are friends of ours are financial friends. 0:59:37.800 --> 0:59:40.800 Tanya of my fab Finance and Melody of Dear Debt. 0:59:41.680 --> 0:59:44.080 They hosted a party for Fidelity and she was like 0:59:44.160 --> 0:59:47.120 one of like the guest guest speakers or whatever, yep, 0:59:47.160 --> 0:59:49.280 and she was super nice, super. 0:59:49.080 --> 0:59:51.480 Approachable, miss much this year. 0:59:51.520 --> 0:59:54.400 When I didn't go, you gotta go next year or 0:59:54.480 --> 0:59:54.800 this year? 0:59:56.760 --> 0:59:59.959 Well, thank you Nicole or Nick. As for your question, 1:00:00.560 --> 1:00:03.680 I'm gonna ask him, I know right, like ck, did 1:00:03.720 --> 1:00:07.920 you make your smooth real smooth? If you guys have questions, 1:00:07.960 --> 1:00:10.120 we have quite a few questions that accumulated over the 1:00:10.480 --> 1:00:12.760 over the break, So we'll get to them, I promise, 1:00:12.840 --> 1:00:14.560 and if we don't, I'll send you guys an email. 1:00:15.360 --> 1:00:18.120 You can email us at brand Ambition Podcast at gmail 1:00:18.160 --> 1:00:21.120 dot com or just go to Brunambition podcast dot com 1:00:21.200 --> 1:00:23.280 and there's a super easy form to fill out. It 1:00:23.400 --> 1:00:26.120 is the same exact thing as sending an email, goes 1:00:26.160 --> 1:00:29.000 straight to our inbox and we will maybe read your 1:00:29.040 --> 1:00:29.880 questions on the show. 1:00:41.960 --> 1:00:44.760 All I do is win, win, win, no matter what. 1:00:45.520 --> 1:00:48.240 You know, you missed my voice, so here I give 1:00:48.320 --> 1:00:48.680 it up. 1:00:50.360 --> 1:00:53.480 Okay. Twenty seventeen edition of The Winds. 1:00:53.920 --> 1:00:56.120 Should see I've actually doing a shoulder bounce, like you 1:00:56.160 --> 1:00:57.720 can actually see. You're like, yes, I. 1:00:57.720 --> 1:01:00.600 Can hear the bounce. I can hear it. I gotta say, 1:01:00.600 --> 1:01:04.800 I'm really excited because we booked our Honda moon on Friday. 1:01:04.880 --> 1:01:07.840 I spent like all Friday evening working on this and 1:01:07.960 --> 1:01:10.800 it's actually a financial win because my goal was to 1:01:11.000 --> 1:01:14.200 pay for the flights and hopefully more with points from 1:01:14.240 --> 1:01:16.360 our credit cards, and I can say I accomplished it 1:01:16.400 --> 1:01:18.680 with flying colors. And I also one of my other 1:01:18.760 --> 1:01:21.200 goals was to go on the most ridiculously romantic Like 1:01:21.440 --> 1:01:23.640 I was just like, where would Audrey Hepburn go on 1:01:23.720 --> 1:01:26.040 her you know, honeymoon and like just you know, be 1:01:26.400 --> 1:01:28.960 just in love and fabulous. And we chose Italy and 1:01:29.040 --> 1:01:30.040 the spun Yeah. 1:01:30.320 --> 1:01:34.480 Whoa, We're in Spain, Barcelona, Madrid. 1:01:34.760 --> 1:01:36.720 Well, Spain is the shortest leg of our trip. So 1:01:37.560 --> 1:01:39.760 one of the benefits of working in Magnify Money is 1:01:39.800 --> 1:01:43.720 that our co founder Brian Karimzad, who's like just like 1:01:44.080 --> 1:01:47.640 incredibly intelligent on so many levels. But he also founded 1:01:47.720 --> 1:01:50.040 a mile a website called Milecards where he's like a 1:01:50.120 --> 1:01:54.840 travel rewards points kind of expert and anyway, he's really knowledgeable. 1:01:54.880 --> 1:01:56.720 So I was like, Brian, I really need your help. 1:01:56.760 --> 1:01:58.680 I've never booked a trip with points before. I have 1:01:58.840 --> 1:02:00.960 all these points. Between the two of us, we have 1:02:01.200 --> 1:02:04.520 over two hundred thousand points with Chase Ultimate Rewards, and 1:02:04.640 --> 1:02:05.960 I just want to do you know, I want to 1:02:06.000 --> 1:02:08.520 book a honeymoon with it. And he showed me. So 1:02:08.680 --> 1:02:11.360 one thing is that it's a one to one transfer 1:02:11.480 --> 1:02:13.920 from Chase Points with United. So he's like, go to 1:02:14.040 --> 1:02:16.960 United dot com. Here's how you search for flights by 1:02:17.520 --> 1:02:23.160 for with points versus like dollars, and here's how. And 1:02:23.240 --> 1:02:25.240 he's like, oh, did you know that when you travel 1:02:25.280 --> 1:02:30.760 internationally with this United mile Pluses program United mileage Pluses program, 1:02:30.920 --> 1:02:34.000 that they give you a free second international flight during 1:02:34.040 --> 1:02:34.400 your trip. 1:02:34.520 --> 1:02:37.040 So I was like a new wait wait wait wait 1:02:37.080 --> 1:02:38.880 wait wait we were on that. Say that again. 1:02:39.000 --> 1:02:41.360 So when you book three United so we booked our 1:02:41.400 --> 1:02:43.680 trip to Italy. So we're flying from New York to 1:02:43.920 --> 1:02:47.120 Italy and then we got a free second flight from 1:02:47.200 --> 1:02:50.120 Italy to Spain in the middle free plus like twenty 1:02:50.200 --> 1:02:53.640 bucks for the taxes or whatever. Yeah, just that's the 1:02:53.720 --> 1:02:56.120 thing that they do. I don't know the why, that's 1:02:56.120 --> 1:02:56.320 the way. 1:02:56.320 --> 1:02:56.680 It's a way. 1:02:56.760 --> 1:02:58.320 So if I let's just say I want to go 1:02:58.360 --> 1:02:59.920 to like I don't know, I want to go to Greece, 1:03:00.120 --> 1:03:02.120 I can get a second flight free. 1:03:02.240 --> 1:03:04.760 If you book through United using the points or whatever. 1:03:04.840 --> 1:03:06.120 As far as I know, I mean, i'll give you 1:03:06.160 --> 1:03:08.480 Brian's email address. But that's what he told me. And 1:03:08.640 --> 1:03:11.560 it's true. The little zero came up. It was a 1:03:11.680 --> 1:03:14.520 magical and I'm doing a whole I'm going to do 1:03:14.560 --> 1:03:16.880 a whole story. I was taking screenshots the whole time. 1:03:16.880 --> 1:03:18.960 I'm going to do explainer of how I did it. 1:03:19.440 --> 1:03:21.600 And it was it's even interesting. I had to learn 1:03:21.640 --> 1:03:24.600 how to transfer points from my fiance's account to me, 1:03:25.240 --> 1:03:27.720 and then how to transfer those points to United, and 1:03:28.200 --> 1:03:30.920 it all kind of happened really luckily, very fast, so 1:03:31.000 --> 1:03:33.600 that I was able to find the flights I wanted 1:03:33.720 --> 1:03:36.040 and then transfer the points within like ten minutes and 1:03:36.080 --> 1:03:38.040 then they hit my account in the next like twenty 1:03:38.480 --> 1:03:40.880 so I just kept the browser open. 1:03:41.560 --> 1:03:44.320 So what's what's the best what's the best card to 1:03:44.440 --> 1:03:46.560 use for you to because I because United has their 1:03:46.560 --> 1:03:48.400 own card right their own or does it. 1:03:48.440 --> 1:03:49.440 Matter they do? 1:03:49.600 --> 1:03:51.200 But the thing about using a Chase card that I 1:03:51.320 --> 1:03:54.160 love is that you get points for everything you purchase, 1:03:54.240 --> 1:03:56.240 and those points can be transferred to United. I think 1:03:56.280 --> 1:03:59.520 with the United card you only get points on certain 1:03:59.600 --> 1:04:02.440 purchase says perhaps or the most points for flying with 1:04:02.520 --> 1:04:05.400 the United. I don't know all the particulars. That's Brian's lane, 1:04:05.720 --> 1:04:08.640 but Magnified Money has a review I believe of that cards. 1:04:08.680 --> 1:04:10.680 You can check it out. But we both use the 1:04:10.800 --> 1:04:13.840 Chase So I took out the Chase Sapphire Reserve card. 1:04:14.120 --> 1:04:15.280 I talk to you about this card. 1:04:15.560 --> 1:04:17.280 Yes, you did, like I need to like. 1:04:18.280 --> 1:04:21.520 Here's one one warning is that they actually so the 1:04:21.880 --> 1:04:24.440 bonus offer for Chase Sapphire Reserve right now is one 1:04:24.520 --> 1:04:27.520 hundred thousand points plus three hundred dollars travel credit plus 1:04:27.560 --> 1:04:31.280 a bunch of other perks. But they're cutting the bonus 1:04:31.360 --> 1:04:34.480 in half beginning in like a couple of weeks from now. 1:04:35.120 --> 1:04:36.760 You have to Google it. But it's ending soon. So 1:04:36.760 --> 1:04:39.520 if you want it, do you know, figure out if 1:04:39.520 --> 1:04:41.360 you if you can like deal with it, because like 1:04:41.400 --> 1:04:43.680 I said, it has a really high annual fee and 1:04:43.760 --> 1:04:46.000 it has all this other has a high annual fee 1:04:46.000 --> 1:04:49.120 of four hundred and fifty dollars. But there's tons of benefits. 1:04:49.240 --> 1:04:52.280 Like I got three hundred dollars every year. You get 1:04:52.320 --> 1:04:54.960 three hundred dollars refunded to you for any travel purchase 1:04:55.080 --> 1:04:59.400 for ubers, ubers, flights, trains, cars, whatever. And on top 1:04:59.440 --> 1:05:02.520 of that, you get one hundred dollars refunded to you 1:05:02.640 --> 1:05:05.480 if you apply for the Global Entry Program, which I 1:05:05.680 --> 1:05:07.640 just did and I got my little immediately. I got 1:05:07.720 --> 1:05:11.440 credited one hundred dollars, so that made that free. You 1:05:11.560 --> 1:05:14.440 get three points on travel and dining three which is 1:05:14.480 --> 1:05:17.560 the best of any card out there. Those benefits are 1:05:17.560 --> 1:05:19.760 staying the same. What's changing is that the bonus offer 1:05:19.800 --> 1:05:22.880 one hundred thousand miles, which is worth fifteen hundred dollars 1:05:23.000 --> 1:05:27.440 in travel. Sorry, this is very satisfying. 1:05:27.960 --> 1:05:28.000 It. 1:05:28.560 --> 1:05:31.520 I'm like, honestly, I'm like online now, like, uh, I 1:05:31.640 --> 1:05:34.000 need to because you know what, like right now I 1:05:34.080 --> 1:05:37.040 have beg of America has a travel card, and honestly. 1:05:37.000 --> 1:05:38.720 We talked about this, you're supposed to get rid of that. 1:05:39.440 --> 1:05:40.960 I know I want to strangle them because I was 1:05:41.000 --> 1:05:43.360 at Nola and I look like a thief because I 1:05:43.480 --> 1:05:45.840 was like trying to swipe. They were like card says, 1:05:46.000 --> 1:05:47.120 it doesn't recognize. 1:05:47.160 --> 1:05:50.200 I'm like, oh am, I mean Nola, not Nigeria. 1:05:50.280 --> 1:05:52.680 Out like this is part of your personal care because 1:05:52.720 --> 1:05:54.320 you and I talked about that in December when I 1:05:54.360 --> 1:05:56.120 was in India and we had the whole thing about 1:05:56.160 --> 1:05:58.000 the chase and you're like, I'm gonna do it and 1:05:58.080 --> 1:05:58.760 it's been a month. 1:05:59.160 --> 1:05:59.880 No, I'm gonna, I'm go. 1:06:00.040 --> 1:06:01.960 And actually because I'm like, uh see, I'm the type 1:06:01.960 --> 1:06:03.640 of person all you have to tell me it's about 1:06:03.640 --> 1:06:05.120 the clothes, and I'm like, girl, let me get it. 1:06:06.400 --> 1:06:08.120 But still, you know, I don't want to like and 1:06:08.240 --> 1:06:09.560 not just because I know you can handle it, but 1:06:09.600 --> 1:06:12.440 you know, people listening, it's not like there's always catches. 1:06:12.480 --> 1:06:15.960 You know, the interest, it's not a zero percent. Usually 1:06:16.000 --> 1:06:19.120 with new credit cards they have a zero percent interest promotion, 1:06:19.240 --> 1:06:21.240 but they don't have any of that. So if you need, 1:06:21.360 --> 1:06:23.320 if you can't afford to pay off four hundred and 1:06:23.320 --> 1:06:26.040 fifty dollars right away. Then you're gonna hit with interest 1:06:26.080 --> 1:06:28.960 because they charge the annual fee right away. So that's 1:06:29.040 --> 1:06:33.480 one quid pro cro quid pro quo. But if you 1:06:33.520 --> 1:06:35.400 could handle it and know how to you know, work, 1:06:35.640 --> 1:06:37.600 you know, work it out, then it can work out 1:06:37.640 --> 1:06:39.600 for you like it did for us. Like I took 1:06:39.640 --> 1:06:41.480 out the card, he took out the card. We had 1:06:41.880 --> 1:06:44.880 instantly we had one hundred, one hundred thousand miles apiece, 1:06:45.200 --> 1:06:47.160 and then we've been earning points on points on points 1:06:47.200 --> 1:06:49.320 because we travel a lot and we eat out a lot. 1:06:49.480 --> 1:06:52.840 So you know, we had over two hundred thousand points 1:06:52.880 --> 1:06:56.800 to use and I only used wait for it, I 1:06:56.920 --> 1:07:00.800 only I only use seventy thousand miles or seventy thousand 1:07:00.800 --> 1:07:02.440 points for this trip to Italy in Spain. 1:07:02.840 --> 1:07:05.040 No, I'm timing out because this don't make not a doubt. 1:07:06.280 --> 1:07:07.400 Like honestly, it doesn't make anense. 1:07:07.440 --> 1:07:09.320 That's why they're stopping the offer. They did it for 1:07:09.440 --> 1:07:11.880 press and they got a ton of people interested in 1:07:11.960 --> 1:07:13.760 the car. Now they have all these new Chase customers. 1:07:13.760 --> 1:07:15.840 They got what they wanted, and now they're ending it. 1:07:16.480 --> 1:07:18.720 No, I'm signing out because it really doesn't make any 1:07:18.800 --> 1:07:19.320 sense I have to. 1:07:19.520 --> 1:07:19.919 It's free. 1:07:20.000 --> 1:07:20.680 It's free money. 1:07:20.760 --> 1:07:22.400 I mean it's free money. I mean we paid four 1:07:22.480 --> 1:07:25.479 hundred and fifty dollars, but with the three hundred dollars 1:07:25.560 --> 1:07:28.160 travel credit, we basically paid one hundred and fifty dollars 1:07:28.680 --> 1:07:32.200 annual fee. But then I got thee hundred dollars goaluntry refund, 1:07:32.240 --> 1:07:34.440 so I really only paid fifty. I mean it pays 1:07:34.480 --> 1:07:36.400 for itself, honestly, so many times over. 1:07:36.600 --> 1:07:39.680 So if it makes sense we talked about this earlier 1:07:39.840 --> 1:07:43.320 Brown Ambition listeners, is that that when you're making these choices, 1:07:43.640 --> 1:07:47.080 like if you're impulsive or you're reserved like me, either way, 1:07:47.920 --> 1:07:49.960 the math will tell you if it makes sense for you, 1:07:51.160 --> 1:07:52.960 And for me it makes sense. I'm like applying while 1:07:52.960 --> 1:07:54.800 we're talking right now, I'm like, mm, girl, checked down, 1:07:55.000 --> 1:07:55.520 and don't. 1:07:55.360 --> 1:07:59.120 Be don't be one of those people. Don't be one 1:07:59.160 --> 1:08:01.320 of those people who who spends money on a credit 1:08:01.360 --> 1:08:04.360 card just because they're gonna earn points, Like that's ridiculous. Yeah, 1:08:04.480 --> 1:08:06.360 I mean I'm gonna spend if you're gonna spend the 1:08:06.360 --> 1:08:09.000 money anyway. That's one thing. And it helped me too, 1:08:09.120 --> 1:08:11.400 because I have been paying for a wedding, which means 1:08:11.440 --> 1:08:13.800 my expenses has been a lot higher this year. So 1:08:13.960 --> 1:08:15.880 I was able to put things like the venue on 1:08:15.920 --> 1:08:18.200 the credit card and get points and you know that 1:08:18.479 --> 1:08:20.280 sort of stuff helps. But if you don't have a 1:08:20.320 --> 1:08:22.760 certain level of spending, then it mays I do then 1:08:22.840 --> 1:08:23.240 add it to you. 1:08:23.439 --> 1:08:23.880 I know you do. 1:08:24.000 --> 1:08:26.200 You should make it your business card, like I am. 1:08:26.240 --> 1:08:27.519 Honestly, that's when you said that. 1:08:27.640 --> 1:08:29.479 I was like, literally, I'm gonna switch over all of 1:08:29.600 --> 1:08:33.400 my because I spend that with you know, just with 1:08:33.560 --> 1:08:37.080 business expenses. Things that like my website, my this, those 1:08:37.120 --> 1:08:38.760 things come on my card and I pay it off 1:08:38.800 --> 1:08:41.200 every month. But I'm like, why am I not earning 1:08:41.400 --> 1:08:45.120 you know, like these incredible rewards for something I'm doing anyway, 1:08:45.160 --> 1:08:47.040 Like I for me, like I don't even in my 1:08:47.080 --> 1:08:50.679 bag of America card, I don't use it like to swipe. Instead, 1:08:50.720 --> 1:08:54.160 it basically like stays home and things just get added 1:08:54.240 --> 1:08:55.800 to it for my business. And then what I do 1:08:56.040 --> 1:08:58.519 is if I travel, this is a travel card, I'll 1:08:58.600 --> 1:09:00.719 use it to book flights and things like that in hotels. 1:09:01.520 --> 1:09:04.680 But America you need to get rid of them. 1:09:04.680 --> 1:09:06.880 They're the worst. They are the worst worst. 1:09:06.960 --> 1:09:12.439 I think I'm sorry, I'm not sorry, but yeah, it's 1:09:12.479 --> 1:09:14.760 been time and this is self love, but this is 1:09:14.960 --> 1:09:17.479 this is the year of what lived, Big B I 1:09:17.800 --> 1:09:21.200 G for T I F f an. 1:09:22.720 --> 1:09:24.040 So yeah, I'm getting rid of them. 1:09:24.080 --> 1:09:25.880 And actually, while we're speaking, I'm like, I don't know 1:09:25.920 --> 1:09:27.960 if you can hear the tapping that is me applying. 1:09:28.160 --> 1:09:29.519 Okay, it's really fast. 1:09:29.640 --> 1:09:30.160 I was shot. 1:09:30.479 --> 1:09:32.840 Well, the Chase has the thing where they I've written 1:09:32.840 --> 1:09:34.840 about this before. If you're like a if you well 1:09:34.880 --> 1:09:36.960 you're not. I'm not either, But a lot of people 1:09:37.000 --> 1:09:39.160 were pissed off because they are there the kind of 1:09:39.200 --> 1:09:41.960 people who run up travel cards, get all, they apply 1:09:42.080 --> 1:09:43.639 for a bunch of credit cards. They have like over 1:09:43.680 --> 1:09:46.360 a dozen credit cards, and they keep applying, getting the 1:09:46.400 --> 1:09:49.400 bonus offers and then closing the cards. So Chase wised 1:09:49.479 --> 1:09:51.840 up to that. And if you have opened more than 1:09:52.040 --> 1:09:54.840 five Chase cards or five I think maybe even five 1:09:54.920 --> 1:09:57.880 new credit accounts I forget within the last two years, 1:09:58.040 --> 1:10:00.960 then they they probably won't approve you for the card, 1:10:01.680 --> 1:10:04.000 and you might have to go through like extra underwriting 1:10:04.479 --> 1:10:08.479 to convince them to approve your what or whatnot. But anyway, 1:10:08.560 --> 1:10:11.200 we got the cards. Happy story, happy ending. We spent. 1:10:11.760 --> 1:10:14.800 We only had to pay for taxes and fees, So 1:10:15.040 --> 1:10:17.240 all in all, I booked a fifteen day trip to 1:10:17.280 --> 1:10:19.719 Italy and Spain for two hundred and forty six dollars. 1:10:19.880 --> 1:10:22.120 Oh Mt Mandy, Honestly, if you don't write a black 1:10:22.160 --> 1:10:25.479 Quost blog, I'm gonna like beat you next time. 1:10:25.640 --> 1:10:25.760 Right. 1:10:25.880 --> 1:10:28.240 If Vandy does not write a blog post and put 1:10:28.280 --> 1:10:30.960 it on our page, we will collectively jump her, just 1:10:31.040 --> 1:10:31.400 so you know. 1:10:32.520 --> 1:10:34.719 And we still have like over one hundred thousand points. 1:10:34.720 --> 1:10:36.320 I'm like, what are we gonna do with these? Just 1:10:36.400 --> 1:10:38.320 calm down, You're live your life girl. 1:10:38.400 --> 1:10:39.519 You gona oh child. 1:10:39.560 --> 1:10:41.560 I'm like, see, had I known this, I could have 1:10:41.600 --> 1:10:44.000 been in Sancorini right now taping this with that with 1:10:44.080 --> 1:10:44.679 a bad connection. 1:10:44.800 --> 1:10:46.120 Like I can't hear you girl the ways. 1:10:48.000 --> 1:10:49.880 So I just said Santorino. I was like, yeah, Greece, 1:10:49.920 --> 1:10:51.880 that's gonna be next. But I always had a love, 1:10:52.600 --> 1:10:55.679 you know. I. I feel like everyone has their Italy trip, 1:10:55.720 --> 1:10:57.680 but I have since I remember doing a project on 1:10:57.800 --> 1:11:00.320 Italy when I was six in sixth grade, I had 1:11:00.360 --> 1:11:02.519 to make like a project, you know, the three the 1:11:02.640 --> 1:11:07.040 three board or three flap project boards, the big presentation boards, 1:11:07.040 --> 1:11:08.840 and I did the Big Flag, and I've heard about 1:11:09.320 --> 1:11:11.799 food and like the history of Italy and I've always 1:11:11.840 --> 1:11:14.559 wanted to go, and I I can't wait. So we're 1:11:14.560 --> 1:11:17.840 gonna do Florence. And the best thing also, I mean, 1:11:18.280 --> 1:11:20.840 there's so many fridge read offits of working at Magnified Money, 1:11:20.880 --> 1:11:23.759 but one of them is that Nick is the co founder, 1:11:23.920 --> 1:11:27.360 is Italian and has deep, deep connections in Sicily and Florence. 1:11:27.400 --> 1:11:29.679 And he's like, you go and I'll have you taken 1:11:29.720 --> 1:11:31.560 care of. And I don't know what that means, but 1:11:31.680 --> 1:11:32.440 I'm going. 1:11:34.280 --> 1:11:37.680 That by way of a sponsorship. I'm gonna put that 1:11:37.680 --> 1:11:39.000 in our sponsorship agreement. 1:11:39.040 --> 1:11:41.920 Next I'll let you know what that means, don't I 1:11:41.920 --> 1:11:43.800 don't care if it just means a free bread basket 1:11:43.840 --> 1:11:45.400 when I get there, I'll take anything. 1:11:47.800 --> 1:11:50.920 I got a free bread basket. It was free though. 1:11:52.400 --> 1:11:55.960 And you know, Enrique, forget it, we're getting married. His 1:11:56.040 --> 1:11:56.679 name is Enrique. 1:11:56.760 --> 1:11:57.400 Everyone knows it. 1:11:57.520 --> 1:12:00.320 Now. I'm so done having to edit out my own 1:12:00.439 --> 1:12:06.400 voicing and Thinkayrique. Uh, he's a Catholic, obviously, let's you know, Catholic, 1:12:06.479 --> 1:12:08.599 perfect combo. And he's just he wants to go see 1:12:08.600 --> 1:12:10.559 the Vaticans and we're gonna do a day in Rome 1:12:10.760 --> 1:12:14.360 and you know, just take the train to Florence and 1:12:14.560 --> 1:12:17.680 I don't know to see whatever. I'm not over planning it, 1:12:18.960 --> 1:12:21.120 but I'm really excited. So we're gonna do I think 1:12:21.120 --> 1:12:24.680 we're doing Rome and then Florence and then Cecily and 1:12:24.800 --> 1:12:28.320 then we're flying to Espanya for four days at the 1:12:28.520 --> 1:12:32.680 end of the trip. So yeah, I can't wait. I 1:12:32.720 --> 1:12:33.200 can't wait. 1:12:33.479 --> 1:12:36.200 And it's like, what I know, I know what my 1:12:36.240 --> 1:12:36.640 win is. 1:12:37.120 --> 1:12:40.320 Okay, what's your one, Tiffany, You're approved? 1:12:42.560 --> 1:12:47.040 Yes, now go spend four thousand dollars quick now, girl, Like, honestly, 1:12:47.160 --> 1:12:48.200 that's in three months. 1:12:48.280 --> 1:12:51.559 Like that's that's that's probably a monthly. So it's wait, 1:12:51.720 --> 1:12:52.760 let me make sure. I'm like, don it. 1:12:52.760 --> 1:12:54.280 I hope it was the right card. It's the Chase 1:12:54.360 --> 1:12:59.040 Sapphire Reserve, right, Yes, that would be such a tivioty move, 1:12:59.240 --> 1:13:03.040 like the Chase, like you know, Emeralds. You're like, girl, 1:13:03.160 --> 1:13:07.240 that is not even the right car. So yes, Maddie, 1:13:07.240 --> 1:13:09.360 see look at Mandy getting me together. See this is 1:13:09.400 --> 1:13:12.080 what brown ambition folks do for each other. We help 1:13:12.120 --> 1:13:13.360 take each other to the next level. 1:13:13.439 --> 1:13:14.000 And you. 1:13:15.840 --> 1:13:18.240 Can your mind sing it? 1:13:18.439 --> 1:13:19.840 Girl? You better thing? 1:13:20.640 --> 1:13:23.200 I then? Oh man, I'm really excited. So I can't 1:13:23.240 --> 1:13:26.640 wait to European Adventure. I'm almost like I need to 1:13:26.720 --> 1:13:29.360 knock on some wood. I've really been in my feelings 1:13:29.400 --> 1:13:33.240 about the goodness of this year, even though it you know, 1:13:33.320 --> 1:13:36.200 had its low points. But I and I and I 1:13:36.840 --> 1:13:37.840 need to start. 1:13:37.960 --> 1:13:38.760 I need to give back. 1:13:38.960 --> 1:13:41.880 I feel like a lot of good things, a lot 1:13:41.960 --> 1:13:43.600 of good things have been happening, and I feel like 1:13:43.640 --> 1:13:46.200 I need to pay back in some way. I'm not 1:13:46.240 --> 1:13:49.639 I haven't really found the way yet, but you will. 1:13:49.760 --> 1:13:50.800 Do you ever feel like you just like a lot 1:13:50.800 --> 1:13:52.800 of stupid good stuff's happened, and I just want to 1:13:52.840 --> 1:13:55.120 find a way to I mean, I bet I've done 1:13:55.160 --> 1:13:57.000 little I give money to little things, and you know, 1:13:57.240 --> 1:14:00.280 but just something, you know, to to give some good 1:14:00.400 --> 1:14:02.599 vibes to the universe that's been good to me and us. 1:14:03.360 --> 1:14:06.280 Just to be healthy, you know, just to be And 1:14:06.400 --> 1:14:07.240 I think that all the time. 1:14:07.280 --> 1:14:08.320 I'm like, you know, you're healthy. 1:14:08.520 --> 1:14:10.920 You know everyone that you know that I really really 1:14:11.000 --> 1:14:14.280 care about is is relatively healthy and fine. 1:14:14.320 --> 1:14:14.479 You know. 1:14:15.080 --> 1:14:17.680 It's just you're right that it is one of the 1:14:17.720 --> 1:14:19.639 reasons why I give back because it's you give out 1:14:19.640 --> 1:14:21.640 of gratefulness, and I don't. You know, I don't give 1:14:21.680 --> 1:14:23.400 any other way, Like I don't. There's a lot of 1:14:23.400 --> 1:14:24.560 people who ask me, can you do this? 1:14:24.760 --> 1:14:26.720 Or can you speak for free? Or can you And 1:14:26.840 --> 1:14:29.080 when I tell them, you know, no, they'll get angry. 1:14:29.200 --> 1:14:31.560 But I only give when I can give out of 1:14:31.760 --> 1:14:33.720 genuinely wanting to do it, because that's the energy I 1:14:33.760 --> 1:14:34.679 want to bring to the table. 1:14:35.000 --> 1:14:37.040 So I give a lot so I don't feel guilty. 1:14:36.720 --> 1:14:38.960 When someone says, you don't want to speak to this 1:14:39.120 --> 1:14:41.240 homeless teams for free, And I'm like, girl, I spoke 1:14:41.280 --> 1:14:43.320 to you know, three groups last week, but you would 1:14:43.439 --> 1:14:45.400 know that, And that's fine, But that's because I wanted 1:14:45.439 --> 1:14:48.320 to do that. That Like, I'm really learning to only 1:14:48.560 --> 1:14:51.120 serve when it's from the place that this is what 1:14:51.240 --> 1:14:53.600 I desire to do, not out of guilt, because I 1:14:53.640 --> 1:14:55.240 don't want to bring that energy to the table. 1:14:55.320 --> 1:14:57.640 So when you find the right thing, it will be. 1:14:58.680 --> 1:15:00.000 The right thing, and you're going to bring the right 1:15:00.200 --> 1:15:02.559 energy to the table and they're going to be blessed 1:15:02.640 --> 1:15:04.479 times ten because you're giving. 1:15:04.600 --> 1:15:06.280 But then you're also giving from the right place. 1:15:07.200 --> 1:15:09.360 Yeah, I gotta do some thinking. Maybe I'll you know, 1:15:09.400 --> 1:15:11.560 you can donate miles. I didn't realize that. 1:15:11.760 --> 1:15:12.559 Yeah, yeah you can't. 1:15:12.800 --> 1:15:16.240 You donate some of the miles we have left over. Yeah, 1:15:16.280 --> 1:15:20.040 I'm just so I'm excited. April cannot come. Well, actually 1:15:20.080 --> 1:15:23.680 it can come soon enough. I have a lot to do, 1:15:23.880 --> 1:15:25.840 but you know, getting off to a good start. I'm 1:15:25.840 --> 1:15:31.160 really happy with stuff. Stuff's good, Stuff's all right, can't 1:15:31.200 --> 1:15:31.720 ask for more. 1:15:33.320 --> 1:15:35.920 Yeah, well, I'm we need to turn back on my heat. 1:15:36.360 --> 1:15:37.880 I'm freezing. So for those of you who don't know, 1:15:37.960 --> 1:15:39.439 me and Mandy have to turn off our heat because 1:15:39.439 --> 1:15:41.400 we love you so much. So that way, the quality 1:15:42.240 --> 1:15:44.679 audio of this show sounds great where we're like, oh cold. 1:15:45.040 --> 1:15:48.360 Yeah, you might have noticed the significance improvement in the 1:15:48.439 --> 1:15:51.040 audio from the first ten minutes. I apologize for that. 1:15:51.160 --> 1:15:54.880 We had some heating issues. Tiffany's a diva. She likes 1:15:54.920 --> 1:15:55.519 to be warm. 1:15:57.840 --> 1:16:01.040 I don't know, it's crazy, I know, for too much. 1:16:01.200 --> 1:16:04.080 So yeah, oh, this is a great you know, coming 1:16:04.200 --> 1:16:06.120 back because you know, like I'm not gonna lie, you know, 1:16:06.240 --> 1:16:07.560 the end of the last year, it was kind of 1:16:07.600 --> 1:16:09.600 like whoo child. But I feel like we're you know, 1:16:09.760 --> 1:16:14.120 we are We're coming back this year strong. Well we 1:16:14.240 --> 1:16:16.639 I mean we're always good, but meaning that our energy 1:16:16.760 --> 1:16:19.639 is definitely up, you know, considering you know how last 1:16:19.720 --> 1:16:22.320 year ended politically. But I feel good. I feel like 1:16:22.360 --> 1:16:24.760 this year is going to be amazing. This year is 1:16:24.760 --> 1:16:26.680 going to be a big year for Tiffany and a 1:16:26.720 --> 1:16:28.720 big year for the Budgetisa. I'm not going to list 1:16:28.800 --> 1:16:32.519 wall and I cannot wait to hear you know what. 1:16:32.720 --> 1:16:35.800 This would be great. How about you tweet what's our 1:16:35.840 --> 1:16:37.479 twitter again? I haven't we haven't said it so long 1:16:37.640 --> 1:16:38.719 at the BA podcast. 1:16:39.640 --> 1:16:41.560 At the BA podcast, how about you tell us what 1:16:41.680 --> 1:16:43.400 your theme for the year is. I think that would 1:16:43.400 --> 1:16:51.840 be great. Tweet Mandy. I would love to know, like 1:16:51.880 --> 1:16:54.160 what your theme for I feel like everybody should start 1:16:54.200 --> 1:16:56.000 the year with like some sort of like big intention 1:16:56.200 --> 1:16:58.040 and so like, you know, very Oprah esque. 1:16:58.320 --> 1:17:00.720 I'd love to know what it is. Call me now,