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Speaker 1: Hey, hey, hey, Hi, we're back. We're black, We're brown.

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Speaker 1: This is Tiffany.

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Speaker 2: What's up, girls, Mandy? Did you miss us?

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Speaker 3: I know we saw some of your tweets and this

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Speaker 3: is brown ambition if you got stumbled here by mistake

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Speaker 3: and don't realize where you are. But I saw some tweets,

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Speaker 3: like someone said, what I thought was so cute that

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Speaker 3: I'm just over here refresh on the screen even though

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Speaker 3: I know no new podcast is coming today, but you

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Speaker 3: never know, just refreshing my screen.

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Speaker 2: One week, one week, y'all, one week. We've never taken

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Speaker 2: a long hiatus.

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Speaker 1: Yes, we know how you guys. You know how you

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Speaker 1: guys love to listen and we love that you listen.

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Speaker 4: And so we are back barely.

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Speaker 2: So I've been in the delightful Charlotte, North Carolina all week.

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Speaker 2: Barely made it back. All these flight delays and stuff. Yeah,

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Speaker 2: these like we had a company kind of offsite where

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Speaker 2: we had we have workers all over the country, so

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Speaker 2: we brought them all together for an off site. We

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Speaker 2: just acquired this website called student loan Hero. So some

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Speaker 2: of you guys, if a student loan debt, may be

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Speaker 2: aware of student loan Hero. They're Actually, they're really cool.

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Speaker 2: They created a platform where you could load all your

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Speaker 2: student loans into one place and like, you know, keep

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Speaker 2: tabs on them, because I don't know if kids who

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Speaker 2: graduate today graduate with like sixteen different loans, with four

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Speaker 2: different loan services and all that. So they've done a

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Speaker 2: lot of great work helping people pay off their student

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Speaker 2: loan debt and we're so excited to work with them.

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Speaker 2: Blah blah blah. But here's what happened, So Mandy Woodruff,

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Speaker 2: I think about like who I used to be when

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Speaker 2: I was a kid, and like how deeply shy and

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Speaker 2: deeply introverted I was. And for me to have survived

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Speaker 2: a week like this, I just feel like, man, you

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Speaker 2: really can grow and all it can happen for anybody

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Speaker 2: can get through this week. Anybody can do anything. But

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Speaker 2: by the time we we wrap things up on Friday

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Speaker 2: after like constant presentations and sessions and talking and dinners

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Speaker 2: and talking and people and uh, I had to book

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Speaker 2: myself a self care massage. Like I scooted it on it.

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Speaker 2: I like slid out of the the last thing of

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Speaker 2: the day. I was like and goodbye, and I took

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Speaker 2: a lift to get a massage and just be in

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Speaker 2: a dark room for an hour and a half was

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Speaker 2: much needed.

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Speaker 3: Sometimes it's just it's just it's just overwhelmed depending on

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Speaker 3: I mean, I know everyone says they're an introvert now,

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Speaker 3: but it could be really overwhelming depending on like the

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Speaker 3: I think for anybody, even if you are, I guess

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Speaker 3: extroverts love all that, but yeah, I can just see.

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Speaker 1: You being like this, this too much. It's like me

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Speaker 1: being hugged all day long.

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Speaker 2: It's like, okay, okay, it's I mean, it's not like introvert.

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Speaker 2: I mean, some people think introvert just means you're really

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Speaker 2: shy and like you don't like people, and that's not

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Speaker 2: what it means. It just it's about where you get

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Speaker 2: your energy from. And for introverts, you can get you

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Speaker 2: can enjoy talking to people, but it actually drains your

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Speaker 2: energy and you need to to re energize. You need

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Speaker 2: to be alone and to be like thoughtful and quiet,

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Speaker 2: Whereas an extrovert they get their energy from those human

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Speaker 2: interactions and like charges them up. So it's just it's

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Speaker 2: just a different way. But but the what I've learned,

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Speaker 2: especially because I've done a couple of like management trainings

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Speaker 2: and personality tests and stuff. Is that it does? That does?

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Speaker 2: That's not your only story. It's not like because I

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Speaker 2: at my natural core get really exhausted by talking to

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Speaker 2: a lot of people and like giving presentations and being

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Speaker 2: out there out there. It doesn't mean that I'm bad

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Speaker 2: at what I do. It just me like I can

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Speaker 2: learn to work with it. I can learn to push myself,

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Speaker 2: and I push myself all that. I mean, just to

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Speaker 2: be a manager in generally, you have to push yourself

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Speaker 2: to to to to break out of my natural state

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Speaker 2: of being, which is like me in a dark corner

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Speaker 2: of a room, you know, being alone, Like that's not

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Speaker 2: going to help me succeed, But it's it's like recognizing

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Speaker 2: and being self aware of where your weaknesses are and

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Speaker 2: then working really hard to be self aware and to

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Speaker 2: correct yourself so that you can be the person you

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Speaker 2: need to be for the job that you have. And

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Speaker 2: that it's what I've had to.

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Speaker 1: Learn basically, be best, Be best.

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Speaker 3: But those of you who don't know me and man,

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Speaker 3: we're having like a little slide conversation. I mean, not

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Speaker 3: to laugh the first lady, but to laugh the first lady.

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Speaker 3: Her platform is anti bullying, which I guess is the

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Speaker 3: opposite of what we're doing right now, but she.

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Speaker 5: Can take it, yes, and she so if you guys,

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Speaker 5: it was like literally months and months and months ago,

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Speaker 5: where like I guess, she addressed like this is gonna

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Speaker 5: be my platform, which is like cyber bullying or whatever,

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Speaker 5: and she encouraged.

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Speaker 3: Children to be best, not be the best, not be

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Speaker 3: your best, but be best, be.

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Speaker 1: Best, and so you know, we just think that.

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Speaker 2: So you don't know what it means.

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Speaker 3: I think you're gonna hear us randomly just like spit

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Speaker 3: out be best and just because it's hilarious.

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Speaker 2: It's only been May, I mean months and months and

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Speaker 2: it's only a couple of months ago.

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Speaker 1: The best.

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Speaker 3: You know, Manny, you want to have you you been

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Speaker 3: to Sojo Spot, right, could you? When you said spot go.

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Speaker 2: Yes, I like Sojo Spawn in Edgewater, New Jersey place.

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Speaker 1: Oh my god.

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Speaker 3: So I took Superman there for his birthday and it

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Speaker 3: was it was so nice honestly because he was like, oh,

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Speaker 3: you know, I asked him what did you want and

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Speaker 3: he was like, honestly, I just want a massage and

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Speaker 3: I said okay, So, like you know, he said, we

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Speaker 3: could just go to a massage and be I'm like, no,

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Speaker 3: it's your birthday.

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Speaker 1: Let's do something special.

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Speaker 3: And so I surprised him and he was like, WHOA,

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Speaker 3: I had never been and I was like, whoa.

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Speaker 1: That place is gorgeous.

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Speaker 2: It's beautiful and clean, so many different levels and rooms

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Speaker 2: and steam rooms and salt rooms. It's great.

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Speaker 1: It was everything.

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Speaker 3: And then I splurged on a couple's massage and not

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Speaker 3: even a couple, which basically was like, oh, you can buy.

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Speaker 2: A massage too, nice YEA, I know.

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Speaker 1: Let me see how I did that right.

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Speaker 3: I was like, for your birthday, we shall get a massage.

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Speaker 3: The massage was so good? Why do we both fall asleep?

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Speaker 3: And I woke up for sleep and I hear him

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Speaker 3: snoring and I'm giggling. He said, what you laughing at?

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Speaker 3: You were storing to I'm like, no, I wasn't, y'all.

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Speaker 2: How can you fall asleep? I'm like, I'm like five

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Speaker 2: percent very alert because someone's literally rubbing near your butt

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Speaker 2: the whole time, Like I don't know, I can't. I'm

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Speaker 2: just like I'm ninety five percent relaxed, and five percent

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Speaker 2: of me is like, you're very awfully close to my

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Speaker 2: butt crack right now.

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Speaker 1: You know what it is.

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Speaker 3: I was so exhausted and tired, and so it just

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Speaker 3: I didn't realize like how like how like the last week,

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Speaker 3: a couple of weeks have been just like you know,

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Speaker 3: just being like a lot of work and so because

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Speaker 3: I've gotten massage before and I've never fallen asleep, but

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Speaker 3: I and honestly, I didn't even think. I felt like

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Speaker 3: I remember thinking in my head, probably in my dream,

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Speaker 3: like you know, like this is really nice, but I

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Speaker 3: wonder if I'm want to go to sleep. Meanwhile I

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Speaker 3: was asleep thinking that. But yeah, it was everything. It

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Speaker 3: was like you said, beautiful, clean night. I mean it's

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Speaker 3: a grip, you know, it's not like for the massages.

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Speaker 3: The day passes not too too bad if you really

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Speaker 3: use it, but like to get a massage, I was like,

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Speaker 3: oh am, I making a down payment on the house.

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Speaker 3: But no, but it was honestly, it was a really

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Speaker 3: good time. He had a great birthday, and he got promoted.

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Speaker 2: What he did awesome.

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Speaker 1: On his day off. You know people get fired on

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Speaker 1: the day off. He got promoted. He took the day off, he.

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Speaker 3: Got promoted on his day off. He's gonna be running

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Speaker 3: a whole site to himself. He's a super now, And

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Speaker 3: I'm like, oh, look at Superman.

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Speaker 2: Is a super make it moves.

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Speaker 1: I know.

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Speaker 3: I'm so proud of him because he's been wanting to

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Speaker 3: do that for a while and you know, I mean

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Speaker 3: and honestly, he was already excellent in what he did

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Speaker 3: and now they're like, well, now you'll have a team

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Speaker 3: of like so he's like all like freaked out because

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Speaker 3: he's going from like you know, kind of just managing

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Speaker 3: himself and maybe like one or two people to like

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Speaker 3: having a full sight of like hundreds of units to

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Speaker 3: manage and having it to staff of like fifteen.

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Speaker 1: Oh.

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Speaker 2: So I feel him on that. If he needs he

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Speaker 2: needs any commiseration, any links to any management trainings, I'm

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Speaker 2: with him, but just trying to tell him trust his instincts.

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Speaker 3: He knows what he's doing, yes, And so I just

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Speaker 3: saw I was like, you know, the good thing is

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Speaker 3: like you literally came from the other side. So one

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Speaker 3: of the things we're gonna do tonight is just kind

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Speaker 3: of like make a list of like managers he's had

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Speaker 3: before that he thought were like all of them and

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Speaker 3: then talk about like what traits really were great and

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Speaker 3: what traits weren't so great, so he could, you know,

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Speaker 3: like kind of figure out, like, you know, what is

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Speaker 3: his management Styd And that's it. Honestly, you learned best

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Speaker 3: with time. But you want to start well because you

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Speaker 3: don't want to start too Oh I'm a homeboy, and

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Speaker 3: then everybody wants all over you, and you don't want

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Speaker 3: to start as like everybody must do what I say

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Speaker 3: and everybody hates you and says, no, we're not you know.

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Speaker 2: So yeah, there's a there's a balance to strike. Yep.

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Speaker 1: Yeah. So yeah, it's been it's been good.

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Speaker 3: But I know your birthday's coming up. It's your birth Well,

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Speaker 3: it will have passed by the time folks listen to this.

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Speaker 2: I mean, yeah it maybe it may be coming up

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Speaker 2: in a couple of days. I'm at peace with it.

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Speaker 1: What you're gonna do, I don't know.

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Speaker 2: I feel like my thirtieth birthday, I just really did.

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Speaker 2: I did this this huge dinner with my family and friends,

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Speaker 2: and I feel like that could last me for the

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Speaker 2: next five birthdays. I just want to get the permit

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Speaker 2: so we can start our renovation. Work has never been

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Speaker 2: crazier like this next week. Honestly, I think I don't

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Speaker 2: even know if we're doing anything. I'm leaving it up

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Speaker 2: to Husbany to do something. And even if we don't,

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Speaker 2: it's not a big deal. But I feel like my

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Speaker 2: my birthday reward is going to be doing a good

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Speaker 2: job at work this week because it's a really important

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Speaker 2: week for us, bringing two teams together who've never worked together.

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Speaker 2: And yeah, it's a lot of challenges. I feel good

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Speaker 2: in my thirties. Yeah, okay, I'm telling you thirty six,

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Speaker 2: it's you know, be best.

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Speaker 3: This is what it is.

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Speaker 1: So now I'm going on a vak though I much

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Speaker 1: need a vaka I have. I've never need a vacation

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Speaker 1: like I've needed this vacation.

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Speaker 3: And I'm going to Santorini, Greece, which is like the

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Speaker 3: most I've been before I.

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Speaker 1: Went, I want to say, like three years ago.

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Speaker 3: My sister and I we went to Istanbul, we went

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Speaker 3: to Athens, and we went to Santorini. And this is

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Speaker 3: great website, honestly called European Destinations dot com. Okay, and

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Speaker 3: I love it because you can you can like kind

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Speaker 3: of like book your itinerary, like I think we paid

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Speaker 3: at the time, we paid like twelve hundred dollars for

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Speaker 3: three different cities, including flight and hotel, and I made

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Speaker 3: sure to pick hotels that had food included, and so

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Speaker 3: it's just a great But that's not where. I didn't

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Speaker 3: book that this time because it was just too close.

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Speaker 3: I literally booked the day before and I used my

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Speaker 3: That Chase card is like the gift that keeps on giving.

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Speaker 3: That we that we got that you the Chase Is

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Speaker 3: it the Venture card that we have? What's the sound?

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Speaker 1: I don't know.

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Speaker 2: It was so funny when you were telling me before.

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Speaker 2: You're like, it's my Chase Adventure Card, Chase Sapphire Reserve

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Speaker 2: card and you booked it through the Ultimate Rewards Portal.

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Speaker 1: Yeah, I was like, you buy a venture cardy. Honestly,

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Speaker 1: more and more I turned into my dad every day.

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Speaker 3: You just give things titles like oh, you know, I

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Speaker 3: feel like that's not what it's called that.

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Speaker 2: He's like, but you got the hit, that's my Chase

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Speaker 2: Good Time card, right, yes?

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Speaker 1: And so I the flight.

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Speaker 3: You know, I didn't have to pay for it all,

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Speaker 3: thank goodness, because it was not cheap and I had

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Speaker 3: not Honestly, I had not used my flight points from

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Speaker 3: my card in a while, like I've been using the

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Speaker 3: flight points for my like I usual United, so like

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Speaker 3: I racked up points with them, so I'm glad I

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Speaker 3: saved them because it cost me every single point, which

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Speaker 3: is fine. And then the whole we found an airbnb

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Speaker 3: because myself and two of my friends are going. We

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Speaker 3: found an airbnb, like and it's basically like a hundred

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Speaker 3: bucks a night, not equal, well not altogether, but each

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Speaker 3: I think it was like three hundred bucks a night,

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Speaker 3: but that was the cheapest one. And honestly it's a

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Speaker 3: villa and it's beautiful. Because I didn't realize this is

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Speaker 3: I guess peak travel time right now, and I'm in Greece,

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Speaker 3: and so we were looking at things that were like

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Speaker 3: eight hundred one thousand dollars on nights, and I was like,

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Speaker 3: I'll be home and so this this I think she

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Speaker 3: had a last minute cancelation, this woman's villa, and so

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Speaker 3: we got it really inexpensive, so I was like, yay,

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Speaker 3: flight paid for hotel, not too bad.

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Speaker 1: One hundred bucks a night.

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Speaker 3: I'll be there five nights, so that's five hundred bucks,

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Speaker 3: so not too bad. And then the food I found

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Speaker 3: when I went last time, the restaurants really weren't that expensive.

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Speaker 3: So I feel like like the trip all together will

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Speaker 3: definitely be under a thousand dollars out of pocket, and

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Speaker 3: I'm gonna be out there head being my best, living

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Speaker 3: my best life.

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Speaker 2: Oh joh, you mentioned social media earlier, and I just

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Speaker 2: I just saw the most passive aggressive tweet from one

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Speaker 2: of our listeners. Should we do some shout outs real quick?

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Speaker 1: Yeah? Shadows?

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Speaker 2: So first, this is from at Wait a second, what's

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Speaker 2: her name? At gold Digger twenty eighteen. Okay, she said,

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Speaker 2: what podcast do you recommend? I need to listen to

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Speaker 2: some while waiting for the next episode of your shows

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Speaker 2: at the podcast at Lovey We get it. It was

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Speaker 2: one week. We're sorry, don't be leaving us for other

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Speaker 2: shows right now.

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Speaker 1: Yeah, it's just like because clearly y'all, y'all not trying

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Speaker 1: to be like we are. It's just that, you know,

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Speaker 1: sometimes things happen. We literally like never miss a show,

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Speaker 1: you know. So what was I saw a cute one?

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Speaker 3: Let me see, let's see this was a little from

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Speaker 3: a little while ago. All this is cute toy toy.

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Speaker 3: She she's her Twitter handle is toy toy r N.

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Speaker 3: She said, Now, listening to every episode of Brown ambishon

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Speaker 3: after listening to the bunche Ofsta. I was on this

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Speaker 3: podcast called the friend Zone, and I mentioned that, oh

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Speaker 3: he listened to every episode and then someone else, sim

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Speaker 3: Sim forty sim says Brown and Bishion, you guys using

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Speaker 3: the hashtag Brown and Bision podcast had so much info.

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Speaker 3: Take a peak, people and get the good good Yes,

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Speaker 3: hashtag great tips, hashtag the real deal.

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Speaker 1: Okay, Simsim. She said, get that good good.

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Speaker 2: I don't know if good good means, but I think

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Speaker 2: it means. But okay, whatever you need we provided over here.

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Speaker 2: On the Instagram, I posted I was so excited by

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Speaker 2: this news sid Octavia Spencer she won an oscar. Yeah,

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Speaker 2: she won for the help right. Oscar winning actress Octavia

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Speaker 2: Spencer is going to star and she's gonna be Madam

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Speaker 2: c J. Walker like a biopic yeah, which is being

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Speaker 2: produced somehow by Lebron James. I don't know. It sounds

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Speaker 2: like a lot of magic happening. So I posted that

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Speaker 2: news and at Neslei and Stage said this is the

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Speaker 2: kind of news that fills my heart with joy, and

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Speaker 2: at Buzzy Beacam says, yuah, so is that good? I

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Speaker 2: don't know, it's kind of like caveman.

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Speaker 3: Yeah, yeah, no, you guys are awesome. Remember, we love, love,

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Speaker 3: love to hear from you. So if you're gonna tweet us,

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Speaker 3: definitely use the hashtag bron ambition. And we are at

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Speaker 3: the BA podcast on Twitter and on Instagram.

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Speaker 1: We are what are we on Instagram.

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Speaker 2: At Brandon Bishion podcast.

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Speaker 1: Yeah, so you know, head over to that.

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Speaker 3: Follow us on Instagram, lease some comments under her pictures

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Speaker 3: so we can shout you out, and definitely tweet us

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Speaker 3: so we can shot you out that way too.

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Speaker 2: A lot of folks have also been tagging us in

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Speaker 2: posts of that they think we'll like, and that's really

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Speaker 2: fun too. Woll have this girl on your podcast? She

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Speaker 2: paid off a lot of debts, so those are nice too.

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Speaker 2: So tag us and stuff, get us our attention, get

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Speaker 2: get our attention. We check, we read, we.

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Speaker 3: Do, and honestly, what have you been getting this? People

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Speaker 3: have been sending us like brown boost, brown break suggestion.

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Speaker 1: I love that.

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Speaker 2: That's cute.

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Speaker 3: Ah, well mine is easy and quick, so I'll go

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Speaker 3: first because I'm not sure where your boost is going

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Speaker 3: to be and I don't want it to be mine,

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Speaker 3: So I want to have my first Okay, So my

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Speaker 3: boost is you spoke.

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Speaker 1: Of Lebron and I just want to say, Lebron James,

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Speaker 1: we love you.

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Speaker 3: So Lebron, if you've been living under rock, is a

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Speaker 3: very famous and well known basketball player. Some say top

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Speaker 3: top three of our time, which I would tend to agree,

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Speaker 3: although I do not do the sports. He started a

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Speaker 3: school in Akron, Ohio, where he grew up, called the

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Speaker 3: I Promise School, and it is amazing. Here's some of

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Speaker 3: the highlights. It focuses on accelerated learning, provides job placement

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Speaker 3: for a job placement assistance for parents. Has on has

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Speaker 3: an on site food bank, supports students with stress from

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Speaker 3: economic causes. Gives every student a bike to escape dangerous

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Speaker 3: parts of the city. Guarantee free college tuition to the

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Speaker 3: University of Akron to all graduates starting in twenty twenty one.

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Speaker 3: So I believe like most schools starting off like well,

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Speaker 3: many new schools start off with like one or two grades.

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Speaker 3: I think this is third and fourth grade, and then

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Speaker 3: every year they add on a new grade level. But

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Speaker 3: like there's even more to this, Like they have like

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Speaker 3: just what I love And this is what I've always said,

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Speaker 3: Like me as a teacher, I said, like, if I

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Speaker 3: was going to create something for students, you have to

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Speaker 3: include the parents because I don't.

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Speaker 1: Care how much you teach.

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Speaker 3: It's one of the reasons why I started at the Budget, Lisa,

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Speaker 3: because I was teaching the kids at school and the

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Speaker 3: parents would come and struggling, and then they would ask

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Speaker 3: me to borrow mone whatever. And I would say, you

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Speaker 3: know what, during naptime when your kids are a sleep,

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Speaker 3: come in and I'll help you budget. I'll show you

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Speaker 3: how to save because I recognize that, like, it's not

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Speaker 3: just if you're wanting to change a student's life. It

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Speaker 3: can't just happen in the classrooms. They have a bigger

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Speaker 3: life beyond that. And I just love that Lebron and

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Speaker 3: whoever has been helping him understands that in order to

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Speaker 3: really help the child, you have to help the whole family.

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Speaker 3: And I just love that they have all of this

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Speaker 3: stuff for like kids and the family. I think this

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Speaker 3: is amazing, you know, I.

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Speaker 2: Mean, is it a public school or a private? Like,

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Speaker 2: how do you get into it?

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Speaker 3: It said it's an Agri based nonprofit school, So I

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Speaker 3: don't know what that means.

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Speaker 1: I've heard different projects apply.

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Speaker 3: Yes, and it's the thing is he's partnered with public schools,

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Speaker 3: So I don't know exactly what kind of school it is,

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Speaker 3: you know what I mean, Like, I don't know, yeah,

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Speaker 3: but yeah, I believe. So what he's specifically looking to

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Speaker 3: do is boosting achievement for younger students from disadvantaged background.

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Speaker 3: So this is not one of those school who they're

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Speaker 3: trying to skim the cream of the crop, like the

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Speaker 3: kids that they are already killing it.

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Speaker 1: They're literally looking for kids that are struggling and saying,

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Speaker 1: you come here, maybe I'll move my kids to What

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Speaker 1: about you?

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Speaker 2: Oh you know, I'm fine, what about me? So I

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Speaker 2: have to do a boost for I don't think i've

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00:18:14,000 --> 00:18:17,240
Speaker 2: done this boost before of this specific So one of

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Speaker 2: the things I've learned, Like I was talking a little

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Speaker 2: bit about my personality and how that's influenced my work environment,

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Speaker 2: and maybe I kind of buy into the squishiness of

400
00:18:24,920 --> 00:18:27,320
Speaker 2: like different work personalities a little too much, but I

401
00:18:27,320 --> 00:18:29,000
Speaker 2: don't care because I feel like this really is important

402
00:18:29,000 --> 00:18:31,960
Speaker 2: to understand. So if you ever work with people and

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Speaker 2: you just like don't feel like you speak their language,

404
00:18:34,280 --> 00:18:37,240
Speaker 2: or you're always having conflict, or you're on a conference

405
00:18:37,280 --> 00:18:39,120
Speaker 2: call and you just don't know why they won't shut

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00:18:39,160 --> 00:18:41,080
Speaker 2: up and get to the point, or you're like, man,

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00:18:41,200 --> 00:18:43,760
Speaker 2: why is this person talking to me? This could be

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00:18:43,800 --> 00:18:46,800
Speaker 2: an email instead of a meeting, Like all those little

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00:18:46,960 --> 00:18:50,399
Speaker 2: micro aggressions that happen, like not microaggression, but those little

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00:18:50,480 --> 00:18:53,639
Speaker 2: small things at work that drive you absolutely bananas and

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Speaker 2: make you hate your job. I feel like if we understood,

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Speaker 2: if everyone had to do this disc training that we

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Speaker 2: have been doing that we do at my company and

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00:19:02,080 --> 00:19:04,439
Speaker 2: I've done twice with my team, if everyone had to

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00:19:04,440 --> 00:19:07,639
Speaker 2: do this disc training and learn exactly what kind of

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Speaker 2: personality profile the other people in their work organization have,

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Speaker 2: I feel like it would totally change the way we

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Speaker 2: work with each other. And I'll give you a quick example.

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Speaker 2: And I know that my managing editor listens to my

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Speaker 2: podcast and she's probably like, oh god, you're telling the

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00:19:22,440 --> 00:19:26,320
Speaker 2: story to your podcast listeners. So my managing editor is

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Speaker 2: we're both like very goal oriented, very task driven, like

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Speaker 2: we just get shit done. I love that about her,

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Speaker 2: But I'm like, I get shited done in a quiet

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00:19:35,400 --> 00:19:36,919
Speaker 2: way kind of person like I just want to be

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Speaker 2: turned around. Like just like at my computer, working really hard,

427
00:19:40,440 --> 00:19:42,399
Speaker 2: everything's in my I'm all in my head. You know,

428
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Speaker 2: I have my to do list and my task list,

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Speaker 2: and she's the kind of person who wants to get

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Speaker 2: shit done, but like talk about it. And when when

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Speaker 2: we first hired her about a year ago, you know,

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Speaker 2: in the morning, she would come in and she'd and

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Speaker 2: we kind of sit back to back and you know

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Speaker 2: we talk, you know, how to say hi, good morning, whatever.

435
00:19:57,840 --> 00:20:00,720
Speaker 2: And then throughout the day it would be like, oh, tell, hey,

436
00:20:00,800 --> 00:20:03,159
Speaker 2: you know doing this, but do you think da da

437
00:20:03,240 --> 00:20:04,879
Speaker 2: da da? And it had to be a whole conversation.

438
00:20:05,000 --> 00:20:07,520
Speaker 2: I would just be like, yes, mm hmmm, uh huh,

439
00:20:07,760 --> 00:20:09,679
Speaker 2: why are you like, you know what you you know

440
00:20:09,720 --> 00:20:11,320
Speaker 2: what you need to do? Just like do it? Why

441
00:20:11,320 --> 00:20:13,439
Speaker 2: do we have a conversation about it? And it was

442
00:20:13,560 --> 00:20:16,719
Speaker 2: I mean, it wasn't like this huge conflict, but it it.

443
00:20:16,800 --> 00:20:19,480
Speaker 2: We didn't we weren't like communicating properly. And then we

444
00:20:19,520 --> 00:20:22,920
Speaker 2: did this thing called the Disk Assessment d I s C.

445
00:20:23,600 --> 00:20:25,560
Speaker 2: And this I just was reading up on it. Actually

446
00:20:25,560 --> 00:20:28,880
Speaker 2: it's based on the work of the guy who invented

447
00:20:28,880 --> 00:20:32,080
Speaker 2: Wonder Woman. Isn't that And yeah, isn't that random? Some

448
00:20:32,280 --> 00:20:35,200
Speaker 2: William Marston I think his name was, So he was

449
00:20:35,240 --> 00:20:39,840
Speaker 2: actually He also developed the first polygraph test. So he

450
00:20:39,920 --> 00:20:41,600
Speaker 2: used to and you know how Wonder Woman has her

451
00:20:41,640 --> 00:20:44,240
Speaker 2: little like chain that she throws on people and if

452
00:20:44,240 --> 00:20:46,880
Speaker 2: it hits you, you tell the truth. Yeah, So that's

453
00:20:47,080 --> 00:20:49,760
Speaker 2: so he invented the Wonder Wonder Woman. And also his

454
00:20:50,520 --> 00:20:53,760
Speaker 2: psychology works were the foundation of DISC training, and DISC

455
00:20:53,880 --> 00:20:58,480
Speaker 2: is all about these four different characteristics of human behavior

456
00:20:58,520 --> 00:21:01,639
Speaker 2: and emotions. So the dcand for dominance, the I stands

457
00:21:01,640 --> 00:21:05,360
Speaker 2: for inducement, so how you get what you want? S

458
00:21:05,359 --> 00:21:09,439
Speaker 2: stands for submission, and C stands for compliance, and the

459
00:21:09,480 --> 00:21:12,439
Speaker 2: DISC training kind of you answer. It's very short. I

460
00:21:12,520 --> 00:21:14,080
Speaker 2: like it a lot better than like, I don't know

461
00:21:14,119 --> 00:21:15,320
Speaker 2: if you ever done Myers Briggs.

462
00:21:15,920 --> 00:21:17,920
Speaker 1: Yeah, and I haven't, but I heard how long that takes.

463
00:21:18,000 --> 00:21:21,120
Speaker 2: Yeah, that's like the one that's the personality test people

464
00:21:21,119 --> 00:21:23,440
Speaker 2: I've been doing for decades. It feels like so it's

465
00:21:23,440 --> 00:21:26,480
Speaker 2: a million questions, it's kind of convoluted. DISC is like

466
00:21:26,520 --> 00:21:29,840
Speaker 2: something maybe twenty something questions. It's super short, and you

467
00:21:29,920 --> 00:21:32,720
Speaker 2: basically get you learn where you're at on a spectrum

468
00:21:32,720 --> 00:21:35,600
Speaker 2: for each of these letters. So I'm super super high

469
00:21:35,640 --> 00:21:38,400
Speaker 2: D and D is like you have a you dominate,

470
00:21:38,480 --> 00:21:41,399
Speaker 2: you control your task driven, you're a risk taker, you know,

471
00:21:41,440 --> 00:21:44,160
Speaker 2: you get shit done. And on the other side, that's

472
00:21:44,160 --> 00:21:46,600
Speaker 2: a C. I'm super high on the C side, and

473
00:21:46,640 --> 00:21:50,919
Speaker 2: that is conscientiousness. So it means that I'm very like

474
00:21:50,960 --> 00:21:53,280
Speaker 2: processed driven. I want to think things through, I want

475
00:21:53,280 --> 00:21:54,800
Speaker 2: to get things right. I want to do my research,

476
00:21:54,840 --> 00:21:56,920
Speaker 2: do my homework, and that's what I use to execute

477
00:21:56,920 --> 00:21:59,600
Speaker 2: my the D side of myself. So where I lack

478
00:22:00,040 --> 00:22:02,439
Speaker 2: and where it's funny, the eye in the C, the

479
00:22:02,480 --> 00:22:05,160
Speaker 2: I in the S. In the middle I is basically

480
00:22:05,280 --> 00:22:10,439
Speaker 2: like my interacting with other people, my social aspect, you know, uh,

481
00:22:10,840 --> 00:22:12,600
Speaker 2: being the first one to talk to people in the morning,

482
00:22:12,640 --> 00:22:15,000
Speaker 2: like forming human relationships. So I am like rock bottom

483
00:22:15,000 --> 00:22:18,560
Speaker 2: on that level. And then the the S is the

484
00:22:18,600 --> 00:22:21,680
Speaker 2: service driven. So that's like wanting to help people, wanting

485
00:22:21,720 --> 00:22:25,560
Speaker 2: to be supportive, you know, kind of being I don't

486
00:22:25,560 --> 00:22:28,080
Speaker 2: know if selfless is the right word. And I'm obviously

487
00:22:28,119 --> 00:22:30,840
Speaker 2: not trained to do disc training, so people who were

488
00:22:30,840 --> 00:22:32,520
Speaker 2: trained to do a way better job of explaining it.

489
00:22:33,000 --> 00:22:35,720
Speaker 2: But I'm I'm a I'm a get shit done in

490
00:22:35,760 --> 00:22:38,240
Speaker 2: a quiet way kind of person and like I'm really

491
00:22:38,280 --> 00:22:39,919
Speaker 2: low on the I in the S. And what I

492
00:22:39,960 --> 00:22:42,639
Speaker 2: found is that my managing editor is high also in

493
00:22:42,680 --> 00:22:45,240
Speaker 2: the d like they get shit done level, but really

494
00:22:45,320 --> 00:22:47,480
Speaker 2: high on I. So she's like chatty, she.

495
00:22:47,400 --> 00:22:49,400
Speaker 1: Wants to talk things through, okay.

496
00:22:49,520 --> 00:22:51,280
Speaker 2: And that was when we when we got our trainings,

497
00:22:51,320 --> 00:22:54,400
Speaker 2: we were like, oh, so that's how we're different. And

498
00:22:54,760 --> 00:22:56,879
Speaker 2: it's not like either one of us is wrong, but

499
00:22:56,920 --> 00:22:59,160
Speaker 2: we were not community. Like we needed like I needed

500
00:22:59,160 --> 00:23:01,119
Speaker 2: to come down to her level a little bit, not

501
00:23:01,200 --> 00:23:03,320
Speaker 2: down to her level that sounds bad, but meet her

502
00:23:03,359 --> 00:23:05,159
Speaker 2: in the middle, and she needed to like meet me

503
00:23:05,240 --> 00:23:07,440
Speaker 2: in the middle. And it's something that I think we've

504
00:23:07,520 --> 00:23:10,440
Speaker 2: both we both walked away from, like learning how to

505
00:23:10,480 --> 00:23:13,240
Speaker 2: communicate a little bit better with each other. You know. Now,

506
00:23:13,280 --> 00:23:15,320
Speaker 2: I know you know my my managing editor, and I

507
00:23:15,440 --> 00:23:17,480
Speaker 2: just keep calling her out, and I'm sure she's like

508
00:23:17,560 --> 00:23:21,119
Speaker 2: rolling her eyes right now, but I know my you know,

509
00:23:21,400 --> 00:23:25,040
Speaker 2: I have even though it takes effort, and I don't

510
00:23:25,080 --> 00:23:26,720
Speaker 2: like to be fake. I don't like to I like

511
00:23:26,760 --> 00:23:28,679
Speaker 2: to be genuine. And even though I have to like

512
00:23:28,760 --> 00:23:32,240
Speaker 2: physically remind myself, okay, if we need to have a

513
00:23:32,280 --> 00:23:36,280
Speaker 2: five minute conversation about you know whatever before we get

514
00:23:36,280 --> 00:23:39,000
Speaker 2: to the real point of this conversation, it's Okay, it's

515
00:23:39,000 --> 00:23:41,439
Speaker 2: a small thing. It's a small price to pay for

516
00:23:41,480 --> 00:23:43,359
Speaker 2: me not making her feel like shit, you know, to

517
00:23:43,400 --> 00:23:49,439
Speaker 2: make her feel good about that interaction. So I'm just right. Yeah.

518
00:23:49,480 --> 00:23:50,879
Speaker 3: And it's funny when you meet somebody who's like so,

519
00:23:51,000 --> 00:23:54,000
Speaker 3: cause I'm thinking of like my CFO Rachel, Yo. She

520
00:23:54,080 --> 00:23:56,119
Speaker 3: and I are both like chatterboxes, so we do a

521
00:23:56,240 --> 00:24:00,520
Speaker 3: lot of like yeah, girl, And so when I to, like,

522
00:24:00,640 --> 00:24:02,159
Speaker 3: let Logan, I'm not sure if you listen, but I

523
00:24:02,200 --> 00:24:03,800
Speaker 3: speak to Logan, I can tell Logan being like what

524
00:24:03,840 --> 00:24:04,800
Speaker 3: is Tiffy talking about?

525
00:24:05,080 --> 00:24:07,359
Speaker 1: Because like I'm the type then like, so, how was

526
00:24:07,400 --> 00:24:09,360
Speaker 1: your weekend? And it and look it's like okay, everything's good.

527
00:24:09,520 --> 00:24:13,280
Speaker 3: So we need and I realizing, like but Rachel and

528
00:24:13,280 --> 00:24:15,840
Speaker 3: I might spend a good twenty thirty minutes.

529
00:24:17,160 --> 00:24:19,640
Speaker 2: Oh I know you're an is I can just already

530
00:24:19,640 --> 00:24:20,680
Speaker 2: tell yeah.

531
00:24:20,680 --> 00:24:23,000
Speaker 1: But it's so I mean, but it's such a pleasure.

532
00:24:23,000 --> 00:24:24,280
Speaker 3: I mean, not that it's not a pleasure to speak

533
00:24:24,320 --> 00:24:26,159
Speaker 3: to like anyone else on our team, it is, but

534
00:24:26,200 --> 00:24:27,919
Speaker 3: it's like it's I could tell that we are so

535
00:24:28,600 --> 00:24:31,080
Speaker 3: much alike in that way, but literally, like you know,

536
00:24:31,160 --> 00:24:33,880
Speaker 3: Rachel wants all of our financial thing and she kills it.

537
00:24:33,920 --> 00:24:34,560
Speaker 1: But one of the.

538
00:24:34,520 --> 00:24:38,040
Speaker 3: Reasons why to me it works so well is because

539
00:24:38,119 --> 00:24:40,280
Speaker 3: she's so in alignment with the way I like to communicate.

540
00:24:40,480 --> 00:24:43,960
Speaker 3: So even as we're having like normal conversation, she's pulling

541
00:24:44,000 --> 00:24:47,320
Speaker 3: what she needs for the financial team, you know, And

542
00:24:47,400 --> 00:24:49,280
Speaker 3: so yeah, I just think that that, Yeah, oh I

543
00:24:49,280 --> 00:24:50,040
Speaker 3: can't wait to take it.

544
00:24:50,040 --> 00:24:53,360
Speaker 1: That's excited. I actually sent myself a little note to remember.

545
00:24:53,640 --> 00:24:55,560
Speaker 2: I love it. I'm a fan. And you know what's

546
00:24:55,560 --> 00:24:57,479
Speaker 2: really cool is and this is the last thing I'll

547
00:24:57,480 --> 00:24:58,920
Speaker 2: say about it, because I keep going on on and

548
00:24:58,960 --> 00:25:02,720
Speaker 2: they're not paying me. Don't worry that. My my HR

549
00:25:02,800 --> 00:25:05,159
Speaker 2: coordinator because like we had three new or three or

550
00:25:05,160 --> 00:25:08,400
Speaker 2: four new hires like this time in February, like six

551
00:25:08,440 --> 00:25:11,119
Speaker 2: months ago or eight months ago. God, it's already August.

552
00:25:12,400 --> 00:25:15,880
Speaker 2: And they took the disc assessment soon after they started,

553
00:25:16,200 --> 00:25:17,919
Speaker 2: and they were all kind of like, I don't know

554
00:25:17,960 --> 00:25:20,040
Speaker 2: if I really agree with my results. It feels kind

555
00:25:20,040 --> 00:25:23,119
Speaker 2: of weird. And disc is really meant to like judge

556
00:25:23,119 --> 00:25:25,720
Speaker 2: your your personality, but also like how you interact in

557
00:25:25,760 --> 00:25:29,680
Speaker 2: your work environment. And our HR person said that it's

558
00:25:29,840 --> 00:25:32,480
Speaker 2: important like if you let yourself settle into a job,

559
00:25:32,520 --> 00:25:35,160
Speaker 2: So if you're brand new, your personality may change because

560
00:25:35,200 --> 00:25:37,040
Speaker 2: in the beginning, you're like not really sure of yourself,

561
00:25:37,040 --> 00:25:38,760
Speaker 2: you don't know what you're doing. You're getting to know

562
00:25:38,840 --> 00:25:41,600
Speaker 2: your colleagues. Your personality maybe a little bit different then

563
00:25:41,800 --> 00:25:43,880
Speaker 2: at the beginning than it would be like six months

564
00:25:43,920 --> 00:25:49,880
Speaker 2: later or twelve months later. So keep that in mind. Definitely. Okay,

565
00:25:50,840 --> 00:25:53,919
Speaker 2: thank you. Then this is your benefits lesson.

566
00:25:53,960 --> 00:26:10,360
Speaker 4: From now.

567
00:26:10,400 --> 00:26:14,439
Speaker 1: It time for questions.

568
00:26:14,720 --> 00:26:16,240
Speaker 3: I love the questions because you guys thought with that's

569
00:26:16,240 --> 00:26:19,160
Speaker 3: really great questions. I have my mind like wait, okay, wait, okay, wait,

570
00:26:19,720 --> 00:26:22,400
Speaker 3: so what okay, wait, questions do we have this week?

571
00:26:22,640 --> 00:26:24,480
Speaker 2: I was just giving that we have, like we have

572
00:26:24,520 --> 00:26:26,040
Speaker 2: at least a dozen, but we'll just do a few.

573
00:26:26,040 --> 00:26:27,600
Speaker 2: But I was it was funny because we've got so

574
00:26:27,600 --> 00:26:30,560
Speaker 2: many anonymous ones this time, and I was like, ooh, we're.

575
00:26:30,440 --> 00:26:33,840
Speaker 1: Getting to the right Ooh, y'all want to know.

576
00:26:34,000 --> 00:26:36,879
Speaker 2: Okay, yeah, okay, so let's see which one do I

577
00:26:36,920 --> 00:26:38,720
Speaker 2: want to read first? Let me let me read this.

578
00:26:38,760 --> 00:26:42,960
Speaker 2: So this person wants to remain anonymous. She says, I

579
00:26:43,040 --> 00:26:45,679
Speaker 2: have not checked my credit in three years. I know,

580
00:26:45,800 --> 00:26:48,080
Speaker 2: I know, I know, it's just I'm always concerned about

581
00:26:48,160 --> 00:26:51,000
Speaker 2: entering my Social Security number and other identifying information on

582
00:26:51,040 --> 00:26:54,000
Speaker 2: the internet, especially with all the data breaches that have occurred.

583
00:26:54,320 --> 00:26:57,119
Speaker 2: Can you please recommend a good way and or company

584
00:26:57,119 --> 00:26:58,720
Speaker 2: that I can trust to check my credit and get

585
00:26:58,760 --> 00:27:01,720
Speaker 2: an accurate report. Also, I've heard I should check my

586
00:27:01,760 --> 00:27:03,879
Speaker 2: credit every year, but it's that just a myth or

587
00:27:03,920 --> 00:27:06,639
Speaker 2: completely true. Thank you for your help. I've got my

588
00:27:06,680 --> 00:27:08,600
Speaker 2: mother hooks on your podcast as well.

589
00:27:09,359 --> 00:27:12,639
Speaker 1: Let's right, let's call her Betty because I like for Betty.

590
00:27:13,600 --> 00:27:18,399
Speaker 3: Okay, So one of my suggestions would be I actually like, like,

591
00:27:18,440 --> 00:27:20,720
Speaker 3: if you're wanting like your true, true, true, true credit score,

592
00:27:20,720 --> 00:27:22,960
Speaker 3: you can and you're nervous, you can literally go to

593
00:27:22,960 --> 00:27:26,200
Speaker 3: your bank and be like, hey, like you know they could,

594
00:27:26,200 --> 00:27:29,000
Speaker 3: they could do a credit pull for you. But know

595
00:27:29,160 --> 00:27:31,560
Speaker 3: that if they do it, then it's going to be

596
00:27:31,600 --> 00:27:33,800
Speaker 3: a hard inquiry because I've done that before, like when

597
00:27:33,840 --> 00:27:35,560
Speaker 3: I was looking for like a mortgage whatever. I've just

598
00:27:35,600 --> 00:27:38,359
Speaker 3: gone to the bank to get like my like full

599
00:27:38,400 --> 00:27:42,199
Speaker 3: out credit score. But you know, I don't know, Like

600
00:27:42,240 --> 00:27:45,280
Speaker 3: there's a bunch of like credit reporting agencies, but my favorite,

601
00:27:45,720 --> 00:27:48,520
Speaker 3: like we'll not credit reporting agencies, but my favorite free

602
00:27:48,520 --> 00:27:50,720
Speaker 3: one that I have found to be the most accurate

603
00:27:50,760 --> 00:27:54,280
Speaker 3: that that's actually your Francal score is Discover has one.

604
00:27:54,320 --> 00:27:55,760
Speaker 3: You don't have to have Discover Card because I don't

605
00:27:55,760 --> 00:27:57,320
Speaker 3: have a Discover card. I know they're not paying me,

606
00:27:57,640 --> 00:28:00,840
Speaker 3: not yet though. But if you go to a credit

607
00:28:00,960 --> 00:28:03,720
Speaker 3: scorecard dot Com and you don't have to put in

608
00:28:03,720 --> 00:28:05,600
Speaker 3: your full social I think just the last four day

609
00:28:05,680 --> 00:28:07,480
Speaker 3: just because they have to identify it to you obviously.

610
00:28:07,800 --> 00:28:10,760
Speaker 3: But credit scorecard dot Com, I actually like them, and

611
00:28:10,920 --> 00:28:13,560
Speaker 3: when I got my I use all of them. I

612
00:28:13,600 --> 00:28:15,800
Speaker 3: try them all. And when I went to the bank

613
00:28:16,000 --> 00:28:19,000
Speaker 3: to get with the bank pulled Credit scorecard dot Com

614
00:28:19,560 --> 00:28:21,520
Speaker 3: from Discover was the exact same one that the bank

615
00:28:21,560 --> 00:28:24,000
Speaker 3: gave me, So I was like, whoa, And that's never

616
00:28:24,040 --> 00:28:26,040
Speaker 3: happened before with the other one. So that's that's the

617
00:28:26,040 --> 00:28:28,200
Speaker 3: one that I Those are my two suggestions.

618
00:28:28,480 --> 00:28:30,440
Speaker 2: I'm glad that you said that I love Discover Scorecard.

619
00:28:30,440 --> 00:28:32,640
Speaker 2: We actually point people to Discover Scorecard all the time

620
00:28:32,680 --> 00:28:36,000
Speaker 2: at Magnify Money. It's a great tool and there's a

621
00:28:36,040 --> 00:28:38,240
Speaker 2: lot of way I mean, I know you're scared about

622
00:28:38,440 --> 00:28:41,920
Speaker 2: data breaches. Now I'm not going to pretend like they're

623
00:28:41,960 --> 00:28:45,320
Speaker 2: never going to happen, but by not checking your credit report.

624
00:28:45,400 --> 00:28:47,120
Speaker 2: How are you going to know that you've been breached? Like,

625
00:28:47,120 --> 00:28:49,320
Speaker 2: how are you going to even be aware that something's

626
00:28:49,640 --> 00:28:52,400
Speaker 2: happen there's errors on your report or someone stolen your

627
00:28:52,440 --> 00:28:54,720
Speaker 2: credit if you're not actually staying on top of it.

628
00:28:55,080 --> 00:28:57,280
Speaker 2: So I really recommend you start checking your credit and

629
00:28:57,280 --> 00:28:59,400
Speaker 2: you don't have to do you know, back in the day,

630
00:28:59,440 --> 00:29:01,040
Speaker 2: you used to have to go to all three credit

631
00:29:01,040 --> 00:29:03,880
Speaker 2: rebureaus or go to Annual Credit Report dot com and

632
00:29:03,960 --> 00:29:06,520
Speaker 2: download your report for free once a year. But now

633
00:29:06,520 --> 00:29:08,480
Speaker 2: you don't even have to do you know, those extra

634
00:29:08,520 --> 00:29:11,719
Speaker 2: steps you can sign up for. You know, my company,

635
00:29:11,800 --> 00:29:14,600
Speaker 2: lending Tree has a platform called my lending Tree. They

636
00:29:14,640 --> 00:29:17,040
Speaker 2: actually pull in all your credit accounts in one place

637
00:29:17,040 --> 00:29:19,800
Speaker 2: so you can look at it. There's credit Karma, there's

638
00:29:19,880 --> 00:29:23,600
Speaker 2: credit dot Com. There's all these different tools out there

639
00:29:23,680 --> 00:29:25,880
Speaker 2: that make it very simple for you to monitor your

640
00:29:25,880 --> 00:29:29,400
Speaker 2: credit in a free, simple way, and they can alert you,

641
00:29:29,480 --> 00:29:32,040
Speaker 2: for example, if a new credit card was opened on

642
00:29:32,080 --> 00:29:34,040
Speaker 2: your account, and you can be like, oh, yeah, that's that.

643
00:29:34,200 --> 00:29:37,160
Speaker 2: You know, that's the personal loan that I took out

644
00:29:37,360 --> 00:29:40,080
Speaker 2: last month, or oh shit, someone opened to Macy's card.

645
00:29:40,320 --> 00:29:43,880
Speaker 2: I need to immediately report this dispute this era error

646
00:29:44,200 --> 00:29:47,200
Speaker 2: to the credit bureaus. I know, through the my lending

647
00:29:47,200 --> 00:29:50,040
Speaker 2: Tree app, you can like immediately dispute an error with

648
00:29:50,120 --> 00:29:51,840
Speaker 2: TransUnion right through the app and there just go to

649
00:29:51,840 --> 00:29:54,080
Speaker 2: the website and do it. So there's so many new

650
00:29:54,120 --> 00:29:56,560
Speaker 2: it's a whole new world. There's all these really easy tools.

651
00:29:56,960 --> 00:29:59,400
Speaker 2: But just be clear on like what's a credit report

652
00:29:59,400 --> 00:30:01,520
Speaker 2: and what's a credit score, because I think you're going

653
00:30:01,560 --> 00:30:04,200
Speaker 2: back and forth. So like the I think Tiffany does

654
00:30:04,240 --> 00:30:06,960
Speaker 2: my favorite description of what a credit score report is

655
00:30:06,960 --> 00:30:08,120
Speaker 2: you do like the GP A thing?

656
00:30:08,640 --> 00:30:14,880
Speaker 3: Yeah, okay, okay, oh got it?

657
00:30:15,880 --> 00:30:16,960
Speaker 2: We are too much.

658
00:30:17,600 --> 00:30:21,960
Speaker 1: So your credit score. What I say that your credit

659
00:30:22,040 --> 00:30:25,560
Speaker 1: score is that it's your financial GPA, and it basically

660
00:30:25,920 --> 00:30:27,640
Speaker 1: if look at you, like, yo.

661
00:30:27,720 --> 00:30:34,000
Speaker 2: What how do I say, I'm like, sorry, you got this?

662
00:30:34,600 --> 00:30:37,120
Speaker 3: Yeah, So it's like your it's basically it's your financial GPA,

663
00:30:37,240 --> 00:30:40,120
Speaker 3: so all of your your choices that you've made over time,

664
00:30:40,400 --> 00:30:43,920
Speaker 3: but especially the emphasis is really on the last two

665
00:30:43,960 --> 00:30:47,120
Speaker 3: years of your financial choices, of your financial.

666
00:30:46,720 --> 00:30:49,440
Speaker 1: Choices as it relates to borrowing and paying back money.

667
00:30:49,760 --> 00:30:51,360
Speaker 1: So that's what you're you're really going to see.

668
00:30:51,360 --> 00:30:55,480
Speaker 3: Your score is going to report that and your credit report,

669
00:30:55,760 --> 00:30:57,440
Speaker 3: it's like your transcript and that.

670
00:30:57,680 --> 00:31:00,520
Speaker 1: It really goes deep into like well.

671
00:31:00,120 --> 00:31:02,360
Speaker 3: On this you were thirty days late here, ninety days

672
00:31:02,440 --> 00:31:04,800
Speaker 3: late here on time here, So it really breaks it down.

673
00:31:04,800 --> 00:31:06,760
Speaker 3: So just remember how it was in school. So people

674
00:31:06,880 --> 00:31:09,160
Speaker 3: ask all the time. They ask me and Mandy, you know,

675
00:31:09,280 --> 00:31:11,280
Speaker 3: like if I were to do this one thing, will

676
00:31:11,280 --> 00:31:13,800
Speaker 3: my credit score jump ten points one hundred points? And

677
00:31:14,040 --> 00:31:16,040
Speaker 3: there's no way for Mandy and I to know because

678
00:31:16,560 --> 00:31:18,959
Speaker 3: if your GPA, that's like asking, you know, if I

679
00:31:19,000 --> 00:31:22,240
Speaker 3: get an A in Spanish senior year, will my overall

680
00:31:22,320 --> 00:31:23,400
Speaker 3: GPA go up?

681
00:31:23,520 --> 00:31:26,640
Speaker 1: And it might be depending on the.

682
00:31:26,480 --> 00:31:29,520
Speaker 3: Other grades you previously got, because really your credit score,

683
00:31:29,600 --> 00:31:32,800
Speaker 3: like a GPA is, is an it has to take

684
00:31:32,840 --> 00:31:35,080
Speaker 3: into account all of your grades. Like I said, with

685
00:31:35,120 --> 00:31:36,720
Speaker 3: your credit score is really the last two years that

686
00:31:36,760 --> 00:31:38,720
Speaker 3: they have the most focus on. So there's no way

687
00:31:38,760 --> 00:31:40,840
Speaker 3: to know what one thing is going to do. The

688
00:31:40,840 --> 00:31:43,880
Speaker 3: more grades you have, meaning the more good or bad

689
00:31:43,920 --> 00:31:46,200
Speaker 3: marks you have in your credit score credit report, the

690
00:31:46,320 --> 00:31:48,760
Speaker 3: less one thing is going to make a difference. So

691
00:31:49,040 --> 00:31:51,480
Speaker 3: like my husband, when I met him, his credit score

692
00:31:51,560 --> 00:31:53,880
Speaker 3: wasn't the gradest. It was like a five thirty or

693
00:31:53,920 --> 00:31:56,680
Speaker 3: something like that or six something, and but he only

694
00:31:56,720 --> 00:31:58,960
Speaker 3: had just a handful of things on his credit report.

695
00:31:59,280 --> 00:32:02,560
Speaker 1: So he did like two or three really good things.

696
00:32:02,320 --> 00:32:04,960
Speaker 3: And it immediately raised his credit score over one hundred

697
00:32:05,000 --> 00:32:08,520
Speaker 3: points because he didn't have many grades to factor into

698
00:32:08,520 --> 00:32:12,000
Speaker 3: his GPA. Now, if you've got thirty different grades, then

699
00:32:12,120 --> 00:32:14,360
Speaker 3: one good thing is not going.

700
00:32:14,200 --> 00:32:15,720
Speaker 1: To offset all of the other grades.

701
00:32:15,760 --> 00:32:18,360
Speaker 3: You're gonna have to do multiple good things by paying

702
00:32:18,400 --> 00:32:21,320
Speaker 3: down your credit card every month, paying it off in full,

703
00:32:22,080 --> 00:32:24,400
Speaker 3: making good choices, being on time with your with your

704
00:32:25,040 --> 00:32:26,720
Speaker 3: with your the people that you owe.

705
00:32:26,920 --> 00:32:28,640
Speaker 1: You're gonna have to do multiple things in order to

706
00:32:28,640 --> 00:32:29,240
Speaker 1: make an effect.

707
00:32:29,360 --> 00:32:32,160
Speaker 2: So and cleaning up your credit by paying attention to

708
00:32:32,200 --> 00:32:34,840
Speaker 2: your credit report will it will help. So if you

709
00:32:34,880 --> 00:32:37,360
Speaker 2: spot errors, I had no idea when I moved to

710
00:32:37,360 --> 00:32:39,600
Speaker 2: New York City that there was a fraudulent credit card

711
00:32:39,600 --> 00:32:41,960
Speaker 2: opened under my name and I got denied for an

712
00:32:42,000 --> 00:32:43,840
Speaker 2: apartment and I never knew because I never checked my

713
00:32:43,880 --> 00:32:46,320
Speaker 2: credit and it was dragging my score, it was dragging

714
00:32:46,360 --> 00:32:48,280
Speaker 2: everything down. So check it, check it. Check It is

715
00:32:48,320 --> 00:32:50,640
Speaker 2: so easy. And I'll post links to all the tools

716
00:32:50,640 --> 00:32:53,600
Speaker 2: we talked about on our site and in the in

717
00:32:53,640 --> 00:32:56,320
Speaker 2: the show notes for this episode, so thank you for

718
00:32:56,360 --> 00:32:59,520
Speaker 2: that question. Don't be afraid, I mean, data breaches happen,

719
00:33:00,400 --> 00:33:02,640
Speaker 2: and I'll send a link to about some ways that

720
00:33:02,680 --> 00:33:06,080
Speaker 2: you can react if your credit score is stolen. At

721
00:33:06,080 --> 00:33:07,960
Speaker 2: this point, I'm kind of operating in a world where

722
00:33:08,000 --> 00:33:11,520
Speaker 2: it's going to happen. Just be prepared to act, you know,

723
00:33:12,040 --> 00:33:15,200
Speaker 2: if your data is stolen. So okay, thank you. So

724
00:33:15,240 --> 00:33:18,800
Speaker 2: another anonymous question, This person says, I have a thousand

725
00:33:18,840 --> 00:33:22,280
Speaker 2: questions about getting my money together, but here's one. I've

726
00:33:22,360 --> 00:33:25,840
Speaker 2: finally all caps paid off my secured Capital one credit card,

727
00:33:25,880 --> 00:33:28,440
Speaker 2: which had a very high APR. It's the only credit

728
00:33:28,520 --> 00:33:31,280
Speaker 2: card I've had since I filed bankruptcy back in twenty twelve.

729
00:33:31,720 --> 00:33:33,640
Speaker 2: This is not a card that has any benefits at all,

730
00:33:33,680 --> 00:33:36,760
Speaker 2: no balance transfers or anything. And I still don't qualify

731
00:33:37,320 --> 00:33:39,920
Speaker 2: for a traditional credit card because my credit score is

732
00:33:39,960 --> 00:33:43,720
Speaker 2: not strong enough currently it's a five sixty eight. Now

733
00:33:43,720 --> 00:33:45,880
Speaker 2: that I pay this card off, I'm sure my card

734
00:33:46,120 --> 00:33:50,080
Speaker 2: my credit score will start to increase. Should I close

735
00:33:50,120 --> 00:33:52,360
Speaker 2: the card down or keep it open so I have

736
00:33:52,520 --> 00:33:56,240
Speaker 2: revolving credit available. She says, I've finally been approved for

737
00:33:56,280 --> 00:34:00,880
Speaker 2: a personal loan from one main financial to consolidate some debt.

738
00:34:01,080 --> 00:34:03,600
Speaker 2: The loan is worth six thousand dollars at a very

739
00:34:03,680 --> 00:34:05,520
Speaker 2: high APR. So this is kind of like two questions.

740
00:34:05,520 --> 00:34:08,600
Speaker 2: So she has a secured credit card, and now she's

741
00:34:08,600 --> 00:34:10,640
Speaker 2: come back and said that she must have other debt

742
00:34:10,680 --> 00:34:13,960
Speaker 2: that she's trying to consolidate. So she says, I've finally

743
00:34:14,040 --> 00:34:17,279
Speaker 2: been approved for a personal loan from one main financial

744
00:34:17,320 --> 00:34:20,359
Speaker 2: to consolidate debt. The loan is six thousand dollars at

745
00:34:20,360 --> 00:34:24,040
Speaker 2: a very high twenty nine percent EPR with monthly payments

746
00:34:24,080 --> 00:34:26,560
Speaker 2: of one hundred and sixty dollars for thirty six months.

747
00:34:27,000 --> 00:34:29,279
Speaker 2: The loan would be used to pay down a few

748
00:34:29,320 --> 00:34:32,640
Speaker 2: accounts and collections and helps to increase my credit score

749
00:34:32,760 --> 00:34:36,560
Speaker 2: by paying down some outstanding debt. What are your thoughts

750
00:34:36,560 --> 00:34:39,560
Speaker 2: on this? Would you accept this offer? So this is

751
00:34:39,800 --> 00:34:42,960
Speaker 2: a lot to unpack. She has filed bankruptcy, she took

752
00:34:42,960 --> 00:34:45,040
Speaker 2: out a secured card, but it sounds like she still

753
00:34:45,080 --> 00:34:48,400
Speaker 2: has some accounts and collections. I mean, that was six

754
00:34:48,520 --> 00:34:51,520
Speaker 2: years ago, so it's not unheard of that people who

755
00:34:51,600 --> 00:34:56,400
Speaker 2: file bankruptcy fall back into debt. It's very easy. But

756
00:34:56,560 --> 00:34:59,600
Speaker 2: now she has this personal loan through So have you

757
00:34:59,600 --> 00:35:00,800
Speaker 2: heard of One Main Financial.

758
00:35:01,400 --> 00:35:03,080
Speaker 1: No, I was gonna say, have you heard of it before?

759
00:35:03,200 --> 00:35:05,319
Speaker 2: I have. Yeah, We've done a review of One Main

760
00:35:05,440 --> 00:35:07,839
Speaker 2: Financial and Magnified Money. It's actually they have a lot

761
00:35:07,880 --> 00:35:10,719
Speaker 2: of storefronts across the country. They're actually a bank you

762
00:35:10,760 --> 00:35:13,720
Speaker 2: can walk into and personally get a person. You actually

763
00:35:13,760 --> 00:35:15,799
Speaker 2: have to walk into the bank, I'm pretty sure in

764
00:35:15,800 --> 00:35:18,120
Speaker 2: one of their branches to get a personal loan, and

765
00:35:18,160 --> 00:35:21,120
Speaker 2: they typically work with people in the subprime credit category.

766
00:35:21,280 --> 00:35:23,040
Speaker 2: So I mean, she says she has a five to

767
00:35:23,080 --> 00:35:25,800
Speaker 2: sixty eight credit score. It's very difficult to get qualified

768
00:35:25,800 --> 00:35:27,919
Speaker 2: for a personal loan when your score is under even

769
00:35:27,960 --> 00:35:32,680
Speaker 2: six p't eighty and One Main Financial while that APR

770
00:35:32,800 --> 00:35:35,239
Speaker 2: is high twenty nine percent, and they do charge in

771
00:35:35,280 --> 00:35:37,759
Speaker 2: a lot of cases some origination fees. It could be

772
00:35:37,840 --> 00:35:40,719
Speaker 2: so much worse. There are so many worse banks you

773
00:35:40,760 --> 00:35:43,800
Speaker 2: could work with. I feel, you know, One Main Financial

774
00:35:43,880 --> 00:35:46,200
Speaker 2: and of course I'm not a financial planner, not a

775
00:35:46,239 --> 00:35:50,359
Speaker 2: financial advisor, but you know, among the lenders that we've

776
00:35:50,360 --> 00:35:53,680
Speaker 2: reviewed who work with people with poor credit, there, I

777
00:35:53,719 --> 00:35:57,560
Speaker 2: would say one of the better ones. And at an

778
00:35:57,680 --> 00:35:59,919
Speaker 2: APR twenty nine percent, I've seen ones that have trip

779
00:36:00,200 --> 00:36:04,200
Speaker 2: digit aprs easily or they yes, or their origination fees

780
00:36:04,239 --> 00:36:06,439
Speaker 2: are so high that it kind of or they charge

781
00:36:06,440 --> 00:36:09,600
Speaker 2: these really high upfront fees that mirror that kind of

782
00:36:09,680 --> 00:36:12,680
Speaker 2: hide that they make up for, you know, they use

783
00:36:12,719 --> 00:36:15,040
Speaker 2: it to make up for maybe advertising a lower rate.

784
00:36:16,080 --> 00:36:19,160
Speaker 2: So it's good that you're looking at the rate your

785
00:36:19,160 --> 00:36:21,960
Speaker 2: monthly payments at one sixty for thirty six months. The

786
00:36:22,000 --> 00:36:24,399
Speaker 2: benefit there is that, Okay, you know exactly how much

787
00:36:24,400 --> 00:36:26,799
Speaker 2: you owe. It's never going to change because it's a

788
00:36:26,800 --> 00:36:31,000
Speaker 2: fixed loan. That's how personal loans work, and everything is

789
00:36:31,080 --> 00:36:33,879
Speaker 2: kind of upfront. What I would say is you're only

790
00:36:33,880 --> 00:36:35,759
Speaker 2: going to know if one main Financial is a good

791
00:36:35,760 --> 00:36:38,160
Speaker 2: deal if you also shop at a couple of other

792
00:36:38,239 --> 00:36:41,040
Speaker 2: lenders and see what they offer you. And if you do,

793
00:36:41,280 --> 00:36:44,239
Speaker 2: if you do your homework and you try to see

794
00:36:44,280 --> 00:36:47,360
Speaker 2: what other approvals you can get from other lenders, and

795
00:36:47,400 --> 00:36:50,440
Speaker 2: then you realize, Okay, this one main Financial offer actually

796
00:36:50,560 --> 00:36:53,760
Speaker 2: is the best I'm getting, or oh hey, this lender's

797
00:36:53,760 --> 00:36:56,560
Speaker 2: actually offering me with a much lower APR. Then you

798
00:36:56,719 --> 00:37:00,000
Speaker 2: that'll help you determine what the best option is for you.

799
00:37:00,960 --> 00:37:02,920
Speaker 2: One main Financial at twenty nine percent, I mean I

800
00:37:02,920 --> 00:37:06,440
Speaker 2: think they go up to like thirty six percent. Okay APR,

801
00:37:06,600 --> 00:37:08,640
Speaker 2: so it seems like that's a and especially for a

802
00:37:08,640 --> 00:37:13,000
Speaker 2: five sixty eight credit score. Okay, decent, But you have

803
00:37:13,080 --> 00:37:15,640
Speaker 2: to I would say, compare your options to other lenders.

804
00:37:16,160 --> 00:37:17,880
Speaker 2: Can you can go to lending tree dot com or

805
00:37:17,920 --> 00:37:20,920
Speaker 2: magnify money dot com. We each have tools where you

806
00:37:20,960 --> 00:37:26,840
Speaker 2: can possibly review offers from different lenders and do some shopping.

807
00:37:26,840 --> 00:37:29,719
Speaker 2: It takes some extra homework, but you know, there's only

808
00:37:29,760 --> 00:37:31,399
Speaker 2: one way to find out. It's not like I can

809
00:37:31,440 --> 00:37:33,600
Speaker 2: tell you, oh, you can go to this bank or

810
00:37:33,600 --> 00:37:35,719
Speaker 2: that bank, because I don't. You know, each bank has

811
00:37:35,719 --> 00:37:38,480
Speaker 2: her own criteria and you need to actually apply to

812
00:37:38,520 --> 00:37:39,600
Speaker 2: see what you're going to get.

813
00:37:40,719 --> 00:37:40,920
Speaker 1: You know.

814
00:37:41,000 --> 00:37:44,200
Speaker 3: And as far as the other card, honestly, I probably

815
00:37:44,239 --> 00:37:44,959
Speaker 3: wouldn't close.

816
00:37:45,000 --> 00:37:46,480
Speaker 1: I think she asked the question about she keep it

817
00:37:46,560 --> 00:37:47,840
Speaker 1: or close it. I probably wouldn't.

818
00:37:48,239 --> 00:37:50,880
Speaker 2: Yeah, close it. This is a secured card, yeah.

819
00:37:51,360 --> 00:37:54,719
Speaker 3: Yeah, so because you want to keep that. Your utilization,

820
00:37:55,239 --> 00:37:59,120
Speaker 3: So utilization is basically the difference between how much money

821
00:37:59,160 --> 00:38:03,279
Speaker 3: you could borrow from your credit cards by swiping and

822
00:38:03,360 --> 00:38:05,680
Speaker 3: using it versus how much you actually do borrow. So

823
00:38:06,120 --> 00:38:09,000
Speaker 3: if you're if you're maxed out, your utilization is one

824
00:38:09,080 --> 00:38:12,000
Speaker 3: hundred percent, which is really bad. You want utilization to

825
00:38:12,040 --> 00:38:14,680
Speaker 3: be at maximum, really thirty percent, meaning if you have

826
00:38:14,680 --> 00:38:17,160
Speaker 3: one hundred dollars limit, your balance is no more than

827
00:38:17,200 --> 00:38:19,880
Speaker 3: thirty dollars at a time. So I probably because I've

828
00:38:19,880 --> 00:38:21,560
Speaker 3: had cards like that where the interest rate is not

829
00:38:21,600 --> 00:38:23,040
Speaker 3: so great, but I've kept them.

830
00:38:23,080 --> 00:38:24,359
Speaker 1: Like I have a Bank of America card.

831
00:38:24,400 --> 00:38:27,400
Speaker 3: The interest rate is not in comparison to my other cards,

832
00:38:27,520 --> 00:38:29,839
Speaker 3: it's not so great, but it's a card that I've

833
00:38:29,920 --> 00:38:34,200
Speaker 3: had since like literally like my thirty year in college,

834
00:38:35,200 --> 00:38:40,040
Speaker 3: and the the limit is super high because I've had

835
00:38:40,080 --> 00:38:42,160
Speaker 3: it for so long, so I keep it to offset

836
00:38:42,719 --> 00:38:44,680
Speaker 3: any other card that I might use, So like it

837
00:38:44,760 --> 00:38:47,480
Speaker 3: keeps because utilization is the average of your cards, So

838
00:38:47,719 --> 00:38:49,279
Speaker 3: I would just keep it and kind of like hold

839
00:38:49,320 --> 00:38:49,680
Speaker 3: on to it.

840
00:38:49,719 --> 00:38:52,000
Speaker 1: And even what you could do, which actually has helped me.

841
00:38:52,080 --> 00:38:55,680
Speaker 3: Raise my credit card, is that one card you can

842
00:38:55,840 --> 00:38:57,920
Speaker 3: like I put Netflix on that card, that Bank of

843
00:38:57,920 --> 00:39:01,120
Speaker 3: America card, So every month next charges that car for

844
00:39:01,160 --> 00:39:02,839
Speaker 3: like eight bucks a month or whatever, and then I

845
00:39:02,880 --> 00:39:06,319
Speaker 3: have what my bank account paid off automatically every month.

846
00:39:06,320 --> 00:39:08,399
Speaker 3: So I have like this like loop that I don't

847
00:39:08,440 --> 00:39:10,319
Speaker 3: have to do anything with like charge the car paid

848
00:39:10,320 --> 00:39:12,640
Speaker 3: off automatically, So that way the card is used every

849
00:39:12,640 --> 00:39:14,560
Speaker 3: month and paid off every month in full, and then

850
00:39:14,560 --> 00:39:15,439
Speaker 3: I leave my card home.

851
00:39:15,520 --> 00:39:16,200
Speaker 1: That's what I would do.

852
00:39:17,080 --> 00:39:19,880
Speaker 2: That's smart. Yeah, and she's had it since twenty twelve,

853
00:39:20,400 --> 00:39:22,520
Speaker 2: well apparently, I don't know when she's high long she's

854
00:39:22,520 --> 00:39:24,520
Speaker 2: had it for. But if it's her only credit card, yeah,

855
00:39:24,520 --> 00:39:26,560
Speaker 2: I mean, if you get rid of that, then your

856
00:39:26,800 --> 00:39:28,760
Speaker 2: your average age of credit history is really gonna plumb,

857
00:39:28,800 --> 00:39:30,600
Speaker 2: which can impact her score.

858
00:39:31,640 --> 00:39:31,839
Speaker 1: Yeah.

859
00:39:31,880 --> 00:39:34,920
Speaker 2: I realized these questions were sent back to back on

860
00:39:34,960 --> 00:39:36,719
Speaker 2: the same day, so it's almost like when she really

861
00:39:36,760 --> 00:39:40,480
Speaker 2: said she had a thousand questions, she meant it and

862
00:39:40,640 --> 00:39:42,839
Speaker 2: real quick. Just another thought on the personal loan thing.

863
00:39:43,480 --> 00:39:48,040
Speaker 2: As you're comparing offers from lender, she's talking about consolidating

864
00:39:48,080 --> 00:39:51,759
Speaker 2: her debt, so also consider, Yes, the APR with this loan,

865
00:39:51,760 --> 00:39:54,439
Speaker 2: twenty nine percent sounds high. You know, there's actually store

866
00:39:54,480 --> 00:39:57,400
Speaker 2: credit cards that have aprs at high, so it's not outrageous,

867
00:39:57,440 --> 00:40:00,560
Speaker 2: but that's true. Yeah, But like, also can look at

868
00:40:00,560 --> 00:40:02,960
Speaker 2: the loans that you're going to be consolidating and if

869
00:40:03,000 --> 00:40:06,319
Speaker 2: they're if they have aprs that high or higher, think

870
00:40:06,320 --> 00:40:08,920
Speaker 2: about how much money you'll save by going with this

871
00:40:09,000 --> 00:40:12,800
Speaker 2: deck consolidation loan. I mean, hopefully it's something, and especially

872
00:40:12,840 --> 00:40:14,520
Speaker 2: if it can help you take those accounts out of

873
00:40:14,560 --> 00:40:19,160
Speaker 2: collections and you know, you know, consolidate, make your payments easier.

874
00:40:19,560 --> 00:40:22,440
Speaker 2: You know, maybe maybe it's maybe it's worth it. Just

875
00:40:22,440 --> 00:40:25,240
Speaker 2: just consider everything, not just the APR and the monthly

876
00:40:25,239 --> 00:40:26,320
Speaker 2: payment and all that jazz.

877
00:40:27,280 --> 00:40:31,600
Speaker 1: Yeah, So hope we answer two of your a thousand questions.

878
00:40:32,400 --> 00:40:35,120
Speaker 2: Good questions. Somebody lay us. You've got like three questions

879
00:40:35,160 --> 00:40:36,360
Speaker 2: in one there.

880
00:40:36,320 --> 00:40:39,440
Speaker 1: So you got that off. You got that off, all.

881
00:40:39,400 --> 00:40:42,080
Speaker 2: Right, Thank you so much, and everybody, you can email

882
00:40:42,160 --> 00:40:45,400
Speaker 2: us your questions at Brown Ambition Wait yeah, Brown Ambition

883
00:40:45,560 --> 00:40:49,600
Speaker 2: Podcasts at gmail dot com, or or hit us up

884
00:40:49,640 --> 00:40:52,880
Speaker 2: at brown Ambition podcast dot com. Ask us anything at

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00:40:52,880 --> 00:40:56,960
Speaker 2: the top of the site.