Speaker 1: Hey, hey, hey, Hi, we're back. We're black, We're brown.
Speaker 1: This is Tiffany.
Speaker 2: What's up, girls, Mandy? Did you miss us?
Speaker 3: I know we saw some of your tweets and this
Speaker 3: is brown ambition if you got stumbled here by mistake
Speaker 3: and don't realize where you are. But I saw some tweets,
Speaker 3: like someone said, what I thought was so cute that
Speaker 3: I'm just over here refresh on the screen even though
Speaker 3: I know no new podcast is coming today, but you
Speaker 3: never know, just refreshing my screen.
Speaker 2: One week, one week, y'all, one week. We've never taken
Speaker 2: a long hiatus.
Speaker 1: Yes, we know how you guys. You know how you
Speaker 1: guys love to listen and we love that you listen.
Speaker 4: And so we are back barely.
Speaker 2: So I've been in the delightful Charlotte, North Carolina all week.
Speaker 2: Barely made it back. All these flight delays and stuff. Yeah,
Speaker 2: these like we had a company kind of offsite where
Speaker 2: we had we have workers all over the country, so
Speaker 2: we brought them all together for an off site. We
Speaker 2: just acquired this website called student loan Hero. So some
Speaker 2: of you guys, if a student loan debt, may be
Speaker 2: aware of student loan Hero. They're Actually, they're really cool.
Speaker 2: They created a platform where you could load all your
Speaker 2: student loans into one place and like, you know, keep
Speaker 2: tabs on them, because I don't know if kids who
Speaker 2: graduate today graduate with like sixteen different loans, with four
Speaker 2: different loan services and all that. So they've done a
Speaker 2: lot of great work helping people pay off their student
Speaker 2: loan debt and we're so excited to work with them.
Speaker 2: Blah blah blah. But here's what happened, So Mandy Woodruff,
Speaker 2: I think about like who I used to be when
Speaker 2: I was a kid, and like how deeply shy and
Speaker 2: deeply introverted I was. And for me to have survived
Speaker 2: a week like this, I just feel like, man, you
Speaker 2: really can grow and all it can happen for anybody
Speaker 2: can get through this week. Anybody can do anything. But
Speaker 2: by the time we we wrap things up on Friday
Speaker 2: after like constant presentations and sessions and talking and dinners
Speaker 2: and talking and people and uh, I had to book
Speaker 2: myself a self care massage. Like I scooted it on it.
Speaker 2: I like slid out of the the last thing of
Speaker 2: the day. I was like and goodbye, and I took
Speaker 2: a lift to get a massage and just be in
Speaker 2: a dark room for an hour and a half was
Speaker 2: much needed.
Speaker 3: Sometimes it's just it's just it's just overwhelmed depending on
Speaker 3: I mean, I know everyone says they're an introvert now,
Speaker 3: but it could be really overwhelming depending on like the
Speaker 3: I think for anybody, even if you are, I guess
Speaker 3: extroverts love all that, but yeah, I can just see.
Speaker 1: You being like this, this too much. It's like me
Speaker 1: being hugged all day long.
Speaker 2: It's like, okay, okay, it's I mean, it's not like introvert.
Speaker 2: I mean, some people think introvert just means you're really
Speaker 2: shy and like you don't like people, and that's not
Speaker 2: what it means. It just it's about where you get
Speaker 2: your energy from. And for introverts, you can get you
Speaker 2: can enjoy talking to people, but it actually drains your
Speaker 2: energy and you need to to re energize. You need
Speaker 2: to be alone and to be like thoughtful and quiet,
Speaker 2: Whereas an extrovert they get their energy from those human
Speaker 2: interactions and like charges them up. So it's just it's
Speaker 2: just a different way. But but the what I've learned,
Speaker 2: especially because I've done a couple of like management trainings
Speaker 2: and personality tests and stuff. Is that it does? That does?
Speaker 2: That's not your only story. It's not like because I
Speaker 2: at my natural core get really exhausted by talking to
Speaker 2: a lot of people and like giving presentations and being
Speaker 2: out there out there. It doesn't mean that I'm bad
Speaker 2: at what I do. It just me like I can
Speaker 2: learn to work with it. I can learn to push myself,
Speaker 2: and I push myself all that. I mean, just to
Speaker 2: be a manager in generally, you have to push yourself
Speaker 2: to to to to break out of my natural state
Speaker 2: of being, which is like me in a dark corner
Speaker 2: of a room, you know, being alone, Like that's not
Speaker 2: going to help me succeed, But it's it's like recognizing
Speaker 2: and being self aware of where your weaknesses are and
Speaker 2: then working really hard to be self aware and to
Speaker 2: correct yourself so that you can be the person you
Speaker 2: need to be for the job that you have. And
Speaker 2: that it's what I've had to.
Speaker 1: Learn basically, be best, Be best.
Speaker 3: But those of you who don't know me and man,
Speaker 3: we're having like a little slide conversation. I mean, not
Speaker 3: to laugh the first lady, but to laugh the first lady.
Speaker 3: Her platform is anti bullying, which I guess is the
Speaker 3: opposite of what we're doing right now, but she.
Speaker 5: Can take it, yes, and she so if you guys,
Speaker 5: it was like literally months and months and months ago,
Speaker 5: where like I guess, she addressed like this is gonna
Speaker 5: be my platform, which is like cyber bullying or whatever,
Speaker 5: and she encouraged.
Speaker 3: Children to be best, not be the best, not be
Speaker 3: your best, but be best, be.
Speaker 1: Best, and so you know, we just think that.
Speaker 2: So you don't know what it means.
Speaker 3: I think you're gonna hear us randomly just like spit
Speaker 3: out be best and just because it's hilarious.
Speaker 2: It's only been May, I mean months and months and
Speaker 2: it's only a couple of months ago.
Speaker 1: The best.
Speaker 3: You know, Manny, you want to have you you been
Speaker 3: to Sojo Spot, right, could you? When you said spot go.
Speaker 2: Yes, I like Sojo Spawn in Edgewater, New Jersey place.
Speaker 1: Oh my god.
Speaker 3: So I took Superman there for his birthday and it
Speaker 3: was it was so nice honestly because he was like, oh,
Speaker 3: you know, I asked him what did you want and
Speaker 3: he was like, honestly, I just want a massage and
Speaker 3: I said okay, So, like you know, he said, we
Speaker 3: could just go to a massage and be I'm like, no,
Speaker 3: it's your birthday.
Speaker 1: Let's do something special.
Speaker 3: And so I surprised him and he was like, WHOA,
Speaker 3: I had never been and I was like, whoa.
Speaker 1: That place is gorgeous.
Speaker 2: It's beautiful and clean, so many different levels and rooms
Speaker 2: and steam rooms and salt rooms. It's great.
Speaker 1: It was everything.
Speaker 3: And then I splurged on a couple's massage and not
Speaker 3: even a couple, which basically was like, oh, you can buy.
Speaker 2: A massage too, nice YEA, I know.
Speaker 1: Let me see how I did that right.
Speaker 3: I was like, for your birthday, we shall get a massage.
Speaker 3: The massage was so good? Why do we both fall asleep?
Speaker 3: And I woke up for sleep and I hear him
Speaker 3: snoring and I'm giggling. He said, what you laughing at?
Speaker 3: You were storing to I'm like, no, I wasn't, y'all.
Speaker 2: How can you fall asleep? I'm like, I'm like five
Speaker 2: percent very alert because someone's literally rubbing near your butt
Speaker 2: the whole time, Like I don't know, I can't. I'm
Speaker 2: just like I'm ninety five percent relaxed, and five percent
Speaker 2: of me is like, you're very awfully close to my
Speaker 2: butt crack right now.
Speaker 1: You know what it is.
Speaker 3: I was so exhausted and tired, and so it just
Speaker 3: I didn't realize like how like how like the last week,
Speaker 3: a couple of weeks have been just like you know,
Speaker 3: just being like a lot of work and so because
Speaker 3: I've gotten massage before and I've never fallen asleep, but
Speaker 3: I and honestly, I didn't even think. I felt like
Speaker 3: I remember thinking in my head, probably in my dream,
Speaker 3: like you know, like this is really nice, but I
Speaker 3: wonder if I'm want to go to sleep. Meanwhile I
Speaker 3: was asleep thinking that. But yeah, it was everything. It
Speaker 3: was like you said, beautiful, clean night. I mean it's
Speaker 3: a grip, you know, it's not like for the massages.
Speaker 3: The day passes not too too bad if you really
Speaker 3: use it, but like to get a massage, I was like,
Speaker 3: oh am, I making a down payment on the house.
Speaker 3: But no, but it was honestly, it was a really
Speaker 3: good time. He had a great birthday, and he got promoted.
Speaker 2: What he did awesome.
Speaker 1: On his day off. You know people get fired on
Speaker 1: the day off. He got promoted. He took the day off, he.
Speaker 3: Got promoted on his day off. He's gonna be running
Speaker 3: a whole site to himself. He's a super now, And
Speaker 3: I'm like, oh, look at Superman.
Speaker 2: Is a super make it moves.
Speaker 1: I know.
Speaker 3: I'm so proud of him because he's been wanting to
Speaker 3: do that for a while and you know, I mean
Speaker 3: and honestly, he was already excellent in what he did
Speaker 3: and now they're like, well, now you'll have a team
Speaker 3: of like so he's like all like freaked out because
Speaker 3: he's going from like you know, kind of just managing
Speaker 3: himself and maybe like one or two people to like
Speaker 3: having a full sight of like hundreds of units to
Speaker 3: manage and having it to staff of like fifteen.
Speaker 1: Oh.
Speaker 2: So I feel him on that. If he needs he
Speaker 2: needs any commiseration, any links to any management trainings, I'm
Speaker 2: with him, but just trying to tell him trust his instincts.
Speaker 3: He knows what he's doing, yes, And so I just
Speaker 3: saw I was like, you know, the good thing is
Speaker 3: like you literally came from the other side. So one
Speaker 3: of the things we're gonna do tonight is just kind
Speaker 3: of like make a list of like managers he's had
Speaker 3: before that he thought were like all of them and
Speaker 3: then talk about like what traits really were great and
Speaker 3: what traits weren't so great, so he could, you know,
Speaker 3: like kind of figure out, like, you know, what is
Speaker 3: his management Styd And that's it. Honestly, you learned best
Speaker 3: with time. But you want to start well because you
Speaker 3: don't want to start too Oh I'm a homeboy, and
Speaker 3: then everybody wants all over you, and you don't want
Speaker 3: to start as like everybody must do what I say
Speaker 3: and everybody hates you and says, no, we're not you know.
Speaker 2: So yeah, there's a there's a balance to strike. Yep.
Speaker 1: Yeah. So yeah, it's been it's been good.
Speaker 3: But I know your birthday's coming up. It's your birth Well,
Speaker 3: it will have passed by the time folks listen to this.
Speaker 2: I mean, yeah it maybe it may be coming up
Speaker 2: in a couple of days. I'm at peace with it.
Speaker 1: What you're gonna do, I don't know.
Speaker 2: I feel like my thirtieth birthday, I just really did.
Speaker 2: I did this this huge dinner with my family and friends,
Speaker 2: and I feel like that could last me for the
Speaker 2: next five birthdays. I just want to get the permit
Speaker 2: so we can start our renovation. Work has never been
Speaker 2: crazier like this next week. Honestly, I think I don't
Speaker 2: even know if we're doing anything. I'm leaving it up
Speaker 2: to Husbany to do something. And even if we don't,
Speaker 2: it's not a big deal. But I feel like my
Speaker 2: my birthday reward is going to be doing a good
Speaker 2: job at work this week because it's a really important
Speaker 2: week for us, bringing two teams together who've never worked together.
Speaker 2: And yeah, it's a lot of challenges. I feel good
Speaker 2: in my thirties. Yeah, okay, I'm telling you thirty six,
Speaker 2: it's you know, be best.
Speaker 3: This is what it is.
Speaker 1: So now I'm going on a vak though I much
Speaker 1: need a vaka I have. I've never need a vacation
Speaker 1: like I've needed this vacation.
Speaker 3: And I'm going to Santorini, Greece, which is like the
Speaker 3: most I've been before I.
Speaker 1: Went, I want to say, like three years ago.
Speaker 3: My sister and I we went to Istanbul, we went
Speaker 3: to Athens, and we went to Santorini. And this is
Speaker 3: great website, honestly called European Destinations dot com. Okay, and
Speaker 3: I love it because you can you can like kind
Speaker 3: of like book your itinerary, like I think we paid
Speaker 3: at the time, we paid like twelve hundred dollars for
Speaker 3: three different cities, including flight and hotel, and I made
Speaker 3: sure to pick hotels that had food included, and so
Speaker 3: it's just a great But that's not where. I didn't
Speaker 3: book that this time because it was just too close.
Speaker 3: I literally booked the day before and I used my
Speaker 3: That Chase card is like the gift that keeps on giving.
Speaker 3: That we that we got that you the Chase Is
Speaker 3: it the Venture card that we have? What's the sound?
Speaker 1: I don't know.
Speaker 2: It was so funny when you were telling me before.
Speaker 2: You're like, it's my Chase Adventure Card, Chase Sapphire Reserve
Speaker 2: card and you booked it through the Ultimate Rewards Portal.
Speaker 1: Yeah, I was like, you buy a venture cardy. Honestly,
Speaker 1: more and more I turned into my dad every day.
Speaker 3: You just give things titles like oh, you know, I
Speaker 3: feel like that's not what it's called that.
Speaker 2: He's like, but you got the hit, that's my Chase
Speaker 2: Good Time card, right, yes?
Speaker 1: And so I the flight.
Speaker 3: You know, I didn't have to pay for it all,
Speaker 3: thank goodness, because it was not cheap and I had
Speaker 3: not Honestly, I had not used my flight points from
Speaker 3: my card in a while, like I've been using the
Speaker 3: flight points for my like I usual United, so like
Speaker 3: I racked up points with them, so I'm glad I
Speaker 3: saved them because it cost me every single point, which
Speaker 3: is fine. And then the whole we found an airbnb
Speaker 3: because myself and two of my friends are going. We
Speaker 3: found an airbnb, like and it's basically like a hundred
Speaker 3: bucks a night, not equal, well not altogether, but each
Speaker 3: I think it was like three hundred bucks a night,
Speaker 3: but that was the cheapest one. And honestly it's a
Speaker 3: villa and it's beautiful. Because I didn't realize this is
Speaker 3: I guess peak travel time right now, and I'm in Greece,
Speaker 3: and so we were looking at things that were like
Speaker 3: eight hundred one thousand dollars on nights, and I was like,
Speaker 3: I'll be home and so this this I think she
Speaker 3: had a last minute cancelation, this woman's villa, and so
Speaker 3: we got it really inexpensive, so I was like, yay,
Speaker 3: flight paid for hotel, not too bad.
Speaker 1: One hundred bucks a night.
Speaker 3: I'll be there five nights, so that's five hundred bucks,
Speaker 3: so not too bad. And then the food I found
Speaker 3: when I went last time, the restaurants really weren't that expensive.
Speaker 3: So I feel like like the trip all together will
Speaker 3: definitely be under a thousand dollars out of pocket, and
Speaker 3: I'm gonna be out there head being my best, living
Speaker 3: my best life.
Speaker 2: Oh joh, you mentioned social media earlier, and I just
Speaker 2: I just saw the most passive aggressive tweet from one
Speaker 2: of our listeners. Should we do some shout outs real quick?
Speaker 1: Yeah? Shadows?
Speaker 2: So first, this is from at Wait a second, what's
Speaker 2: her name? At gold Digger twenty eighteen. Okay, she said,
Speaker 2: what podcast do you recommend? I need to listen to
Speaker 2: some while waiting for the next episode of your shows
Speaker 2: at the podcast at Lovey We get it. It was
Speaker 2: one week. We're sorry, don't be leaving us for other
Speaker 2: shows right now.
Speaker 1: Yeah, it's just like because clearly y'all, y'all not trying
Speaker 1: to be like we are. It's just that, you know,
Speaker 1: sometimes things happen. We literally like never miss a show,
Speaker 1: you know. So what was I saw a cute one?
Speaker 3: Let me see, let's see this was a little from
Speaker 3: a little while ago. All this is cute toy toy.
Speaker 3: She she's her Twitter handle is toy toy r N.
Speaker 3: She said, Now, listening to every episode of Brown ambishon
Speaker 3: after listening to the bunche Ofsta. I was on this
Speaker 3: podcast called the friend Zone, and I mentioned that, oh
Speaker 3: he listened to every episode and then someone else, sim
Speaker 3: Sim forty sim says Brown and Bishion, you guys using
Speaker 3: the hashtag Brown and Bision podcast had so much info.
Speaker 3: Take a peak, people and get the good good Yes,
Speaker 3: hashtag great tips, hashtag the real deal.
Speaker 1: Okay, Simsim. She said, get that good good.
Speaker 2: I don't know if good good means, but I think
Speaker 2: it means. But okay, whatever you need we provided over here.
Speaker 2: On the Instagram, I posted I was so excited by
Speaker 2: this news sid Octavia Spencer she won an oscar. Yeah,
Speaker 2: she won for the help right. Oscar winning actress Octavia
Speaker 2: Spencer is going to star and she's gonna be Madam
Speaker 2: c J. Walker like a biopic yeah, which is being
Speaker 2: produced somehow by Lebron James. I don't know. It sounds
Speaker 2: like a lot of magic happening. So I posted that
Speaker 2: news and at Neslei and Stage said this is the
Speaker 2: kind of news that fills my heart with joy, and
Speaker 2: at Buzzy Beacam says, yuah, so is that good? I
Speaker 2: don't know, it's kind of like caveman.
Speaker 3: Yeah, yeah, no, you guys are awesome. Remember, we love, love,
Speaker 3: love to hear from you. So if you're gonna tweet us,
Speaker 3: definitely use the hashtag bron ambition. And we are at
Speaker 3: the BA podcast on Twitter and on Instagram.
Speaker 1: We are what are we on Instagram.
Speaker 2: At Brandon Bishion podcast.
Speaker 1: Yeah, so you know, head over to that.
Speaker 3: Follow us on Instagram, lease some comments under her pictures
Speaker 3: so we can shout you out, and definitely tweet us
Speaker 3: so we can shot you out that way too.
Speaker 2: A lot of folks have also been tagging us in
Speaker 2: posts of that they think we'll like, and that's really
Speaker 2: fun too. Woll have this girl on your podcast? She
Speaker 2: paid off a lot of debts, so those are nice too.
Speaker 2: So tag us and stuff, get us our attention, get
Speaker 2: get our attention. We check, we read, we.
Speaker 3: Do, and honestly, what have you been getting this? People
Speaker 3: have been sending us like brown boost, brown break suggestion.
Speaker 1: I love that.
Speaker 2: That's cute.
Speaker 3: Ah, well mine is easy and quick, so I'll go
Speaker 3: first because I'm not sure where your boost is going
Speaker 3: to be and I don't want it to be mine,
Speaker 3: So I want to have my first Okay, So my
Speaker 3: boost is you spoke.
Speaker 1: Of Lebron and I just want to say, Lebron James,
Speaker 1: we love you.
Speaker 3: So Lebron, if you've been living under rock, is a
Speaker 3: very famous and well known basketball player. Some say top
Speaker 3: top three of our time, which I would tend to agree,
Speaker 3: although I do not do the sports. He started a
Speaker 3: school in Akron, Ohio, where he grew up, called the
Speaker 3: I Promise School, and it is amazing. Here's some of
Speaker 3: the highlights. It focuses on accelerated learning, provides job placement
Speaker 3: for a job placement assistance for parents. Has on has
Speaker 3: an on site food bank, supports students with stress from
Speaker 3: economic causes. Gives every student a bike to escape dangerous
Speaker 3: parts of the city. Guarantee free college tuition to the
Speaker 3: University of Akron to all graduates starting in twenty twenty one.
Speaker 3: So I believe like most schools starting off like well,
Speaker 3: many new schools start off with like one or two grades.
Speaker 3: I think this is third and fourth grade, and then
Speaker 3: every year they add on a new grade level. But
Speaker 3: like there's even more to this, Like they have like
Speaker 3: just what I love And this is what I've always said,
Speaker 3: Like me as a teacher, I said, like, if I
Speaker 3: was going to create something for students, you have to
Speaker 3: include the parents because I don't.
Speaker 1: Care how much you teach.
Speaker 3: It's one of the reasons why I started at the Budget, Lisa,
Speaker 3: because I was teaching the kids at school and the
Speaker 3: parents would come and struggling, and then they would ask
Speaker 3: me to borrow mone whatever. And I would say, you
Speaker 3: know what, during naptime when your kids are a sleep,
Speaker 3: come in and I'll help you budget. I'll show you
Speaker 3: how to save because I recognize that, like, it's not
Speaker 3: just if you're wanting to change a student's life. It
Speaker 3: can't just happen in the classrooms. They have a bigger
Speaker 3: life beyond that. And I just love that Lebron and
Speaker 3: whoever has been helping him understands that in order to
Speaker 3: really help the child, you have to help the whole family.
Speaker 3: And I just love that they have all of this
Speaker 3: stuff for like kids and the family. I think this
Speaker 3: is amazing, you know, I.
Speaker 2: Mean, is it a public school or a private? Like,
Speaker 2: how do you get into it?
Speaker 3: It said it's an Agri based nonprofit school, So I
Speaker 3: don't know what that means.
Speaker 1: I've heard different projects apply.
Speaker 3: Yes, and it's the thing is he's partnered with public schools,
Speaker 3: So I don't know exactly what kind of school it is,
Speaker 3: you know what I mean, Like, I don't know, yeah,
Speaker 3: but yeah, I believe. So what he's specifically looking to
Speaker 3: do is boosting achievement for younger students from disadvantaged background.
Speaker 3: So this is not one of those school who they're
Speaker 3: trying to skim the cream of the crop, like the
Speaker 3: kids that they are already killing it.
Speaker 1: They're literally looking for kids that are struggling and saying,
Speaker 1: you come here, maybe I'll move my kids to What
Speaker 1: about you?
Speaker 2: Oh you know, I'm fine, what about me? So I
Speaker 2: have to do a boost for I don't think i've
Speaker 2: done this boost before of this specific So one of
Speaker 2: the things I've learned, Like I was talking a little
Speaker 2: bit about my personality and how that's influenced my work environment,
Speaker 2: and maybe I kind of buy into the squishiness of
Speaker 2: like different work personalities a little too much, but I
Speaker 2: don't care because I feel like this really is important
Speaker 2: to understand. So if you ever work with people and
Speaker 2: you just like don't feel like you speak their language,
Speaker 2: or you're always having conflict, or you're on a conference
Speaker 2: call and you just don't know why they won't shut
Speaker 2: up and get to the point, or you're like, man,
Speaker 2: why is this person talking to me? This could be
Speaker 2: an email instead of a meeting, Like all those little
Speaker 2: micro aggressions that happen, like not microaggression, but those little
Speaker 2: small things at work that drive you absolutely bananas and
Speaker 2: make you hate your job. I feel like if we understood,
Speaker 2: if everyone had to do this disc training that we
Speaker 2: have been doing that we do at my company and
Speaker 2: I've done twice with my team, if everyone had to
Speaker 2: do this disc training and learn exactly what kind of
Speaker 2: personality profile the other people in their work organization have,
Speaker 2: I feel like it would totally change the way we
Speaker 2: work with each other. And I'll give you a quick example.
Speaker 2: And I know that my managing editor listens to my
Speaker 2: podcast and she's probably like, oh god, you're telling the
Speaker 2: story to your podcast listeners. So my managing editor is
Speaker 2: we're both like very goal oriented, very task driven, like
Speaker 2: we just get shit done. I love that about her,
Speaker 2: But I'm like, I get shited done in a quiet
Speaker 2: way kind of person like I just want to be
Speaker 2: turned around. Like just like at my computer, working really hard,
Speaker 2: everything's in my I'm all in my head. You know,
Speaker 2: I have my to do list and my task list,
Speaker 2: and she's the kind of person who wants to get
Speaker 2: shit done, but like talk about it. And when when
Speaker 2: we first hired her about a year ago, you know,
Speaker 2: in the morning, she would come in and she'd and
Speaker 2: we kind of sit back to back and you know
Speaker 2: we talk, you know, how to say hi, good morning, whatever.
Speaker 2: And then throughout the day it would be like, oh, tell, hey,
Speaker 2: you know doing this, but do you think da da
Speaker 2: da da? And it had to be a whole conversation.
Speaker 2: I would just be like, yes, mm hmmm, uh huh,
Speaker 2: why are you like, you know what you you know
Speaker 2: what you need to do? Just like do it? Why
Speaker 2: do we have a conversation about it? And it was
Speaker 2: I mean, it wasn't like this huge conflict, but it it.
Speaker 2: We didn't we weren't like communicating properly. And then we
Speaker 2: did this thing called the Disk Assessment d I s C.
Speaker 2: And this I just was reading up on it. Actually
Speaker 2: it's based on the work of the guy who invented
Speaker 2: Wonder Woman. Isn't that And yeah, isn't that random? Some
Speaker 2: William Marston I think his name was, So he was
Speaker 2: actually He also developed the first polygraph test. So he
Speaker 2: used to and you know how Wonder Woman has her
Speaker 2: little like chain that she throws on people and if
Speaker 2: it hits you, you tell the truth. Yeah, So that's
Speaker 2: so he invented the Wonder Wonder Woman. And also his
Speaker 2: psychology works were the foundation of DISC training, and DISC
Speaker 2: is all about these four different characteristics of human behavior
Speaker 2: and emotions. So the dcand for dominance, the I stands
Speaker 2: for inducement, so how you get what you want? S
Speaker 2: stands for submission, and C stands for compliance, and the
Speaker 2: DISC training kind of you answer. It's very short. I
Speaker 2: like it a lot better than like, I don't know
Speaker 2: if you ever done Myers Briggs.
Speaker 1: Yeah, and I haven't, but I heard how long that takes.
Speaker 2: Yeah, that's like the one that's the personality test people
Speaker 2: I've been doing for decades. It feels like so it's
Speaker 2: a million questions, it's kind of convoluted. DISC is like
Speaker 2: something maybe twenty something questions. It's super short, and you
Speaker 2: basically get you learn where you're at on a spectrum
Speaker 2: for each of these letters. So I'm super super high
Speaker 2: D and D is like you have a you dominate,
Speaker 2: you control your task driven, you're a risk taker, you know,
Speaker 2: you get shit done. And on the other side, that's
Speaker 2: a C. I'm super high on the C side, and
Speaker 2: that is conscientiousness. So it means that I'm very like
Speaker 2: processed driven. I want to think things through, I want
Speaker 2: to get things right. I want to do my research,
Speaker 2: do my homework, and that's what I use to execute
Speaker 2: my the D side of myself. So where I lack
Speaker 2: and where it's funny, the eye in the C, the
Speaker 2: I in the S. In the middle I is basically
Speaker 2: like my interacting with other people, my social aspect, you know, uh,
Speaker 2: being the first one to talk to people in the morning,
Speaker 2: like forming human relationships. So I am like rock bottom
Speaker 2: on that level. And then the the S is the
Speaker 2: service driven. So that's like wanting to help people, wanting
Speaker 2: to be supportive, you know, kind of being I don't
Speaker 2: know if selfless is the right word. And I'm obviously
Speaker 2: not trained to do disc training, so people who were
Speaker 2: trained to do a way better job of explaining it.
Speaker 2: But I'm I'm a I'm a get shit done in
Speaker 2: a quiet way kind of person and like I'm really
Speaker 2: low on the I in the S. And what I
Speaker 2: found is that my managing editor is high also in
Speaker 2: the d like they get shit done level, but really
Speaker 2: high on I. So she's like chatty, she.
Speaker 1: Wants to talk things through, okay.
Speaker 2: And that was when we when we got our trainings,
Speaker 2: we were like, oh, so that's how we're different. And
Speaker 2: it's not like either one of us is wrong, but
Speaker 2: we were not community. Like we needed like I needed
Speaker 2: to come down to her level a little bit, not
Speaker 2: down to her level that sounds bad, but meet her
Speaker 2: in the middle, and she needed to like meet me
Speaker 2: in the middle. And it's something that I think we've
Speaker 2: both we both walked away from, like learning how to
Speaker 2: communicate a little bit better with each other. You know. Now,
Speaker 2: I know you know my my managing editor, and I
Speaker 2: just keep calling her out, and I'm sure she's like
Speaker 2: rolling her eyes right now, but I know my you know,
Speaker 2: I have even though it takes effort, and I don't
Speaker 2: like to be fake. I don't like to I like
Speaker 2: to be genuine. And even though I have to like
Speaker 2: physically remind myself, okay, if we need to have a
Speaker 2: five minute conversation about you know whatever before we get
Speaker 2: to the real point of this conversation, it's Okay, it's
Speaker 2: a small thing. It's a small price to pay for
Speaker 2: me not making her feel like shit, you know, to
Speaker 2: make her feel good about that interaction. So I'm just right. Yeah.
Speaker 3: And it's funny when you meet somebody who's like so,
Speaker 3: cause I'm thinking of like my CFO Rachel, Yo. She
Speaker 3: and I are both like chatterboxes, so we do a
Speaker 3: lot of like yeah, girl, And so when I to, like,
Speaker 3: let Logan, I'm not sure if you listen, but I
Speaker 3: speak to Logan, I can tell Logan being like what
Speaker 3: is Tiffy talking about?
Speaker 1: Because like I'm the type then like, so, how was
Speaker 1: your weekend? And it and look it's like okay, everything's good.
Speaker 3: So we need and I realizing, like but Rachel and
Speaker 3: I might spend a good twenty thirty minutes.
Speaker 2: Oh I know you're an is I can just already
Speaker 2: tell yeah.
Speaker 1: But it's so I mean, but it's such a pleasure.
Speaker 3: I mean, not that it's not a pleasure to speak
Speaker 3: to like anyone else on our team, it is, but
Speaker 3: it's like it's I could tell that we are so
Speaker 3: much alike in that way, but literally, like you know,
Speaker 3: Rachel wants all of our financial thing and she kills it.
Speaker 1: But one of the.
Speaker 3: Reasons why to me it works so well is because
Speaker 3: she's so in alignment with the way I like to communicate.
Speaker 3: So even as we're having like normal conversation, she's pulling
Speaker 3: what she needs for the financial team, you know, And
Speaker 3: so yeah, I just think that that, Yeah, oh I
Speaker 3: can't wait to take it.
Speaker 1: That's excited. I actually sent myself a little note to remember.
Speaker 2: I love it. I'm a fan. And you know what's
Speaker 2: really cool is and this is the last thing I'll
Speaker 2: say about it, because I keep going on on and
Speaker 2: they're not paying me. Don't worry that. My my HR
Speaker 2: coordinator because like we had three new or three or
Speaker 2: four new hires like this time in February, like six
Speaker 2: months ago or eight months ago. God, it's already August.
Speaker 2: And they took the disc assessment soon after they started,
Speaker 2: and they were all kind of like, I don't know
Speaker 2: if I really agree with my results. It feels kind
Speaker 2: of weird. And disc is really meant to like judge
Speaker 2: your your personality, but also like how you interact in
Speaker 2: your work environment. And our HR person said that it's
Speaker 2: important like if you let yourself settle into a job,
Speaker 2: So if you're brand new, your personality may change because
Speaker 2: in the beginning, you're like not really sure of yourself,
Speaker 2: you don't know what you're doing. You're getting to know
Speaker 2: your colleagues. Your personality maybe a little bit different then
Speaker 2: at the beginning than it would be like six months
Speaker 2: later or twelve months later. So keep that in mind. Definitely. Okay,
Speaker 2: thank you. Then this is your benefits lesson.
Speaker 4: From now.
Speaker 1: It time for questions.
Speaker 3: I love the questions because you guys thought with that's
Speaker 3: really great questions. I have my mind like wait, okay, wait, okay, wait,
Speaker 3: so what okay, wait, questions do we have this week?
Speaker 2: I was just giving that we have, like we have
Speaker 2: at least a dozen, but we'll just do a few.
Speaker 2: But I was it was funny because we've got so
Speaker 2: many anonymous ones this time, and I was like, ooh, we're.
Speaker 1: Getting to the right Ooh, y'all want to know.
Speaker 2: Okay, yeah, okay, so let's see which one do I
Speaker 2: want to read first? Let me let me read this.
Speaker 2: So this person wants to remain anonymous. She says, I
Speaker 2: have not checked my credit in three years. I know,
Speaker 2: I know, I know, it's just I'm always concerned about
Speaker 2: entering my Social Security number and other identifying information on
Speaker 2: the internet, especially with all the data breaches that have occurred.
Speaker 2: Can you please recommend a good way and or company
Speaker 2: that I can trust to check my credit and get
Speaker 2: an accurate report. Also, I've heard I should check my
Speaker 2: credit every year, but it's that just a myth or
Speaker 2: completely true. Thank you for your help. I've got my
Speaker 2: mother hooks on your podcast as well.
Speaker 1: Let's right, let's call her Betty because I like for Betty.
Speaker 3: Okay, So one of my suggestions would be I actually like, like,
Speaker 3: if you're wanting like your true, true, true, true credit score,
Speaker 3: you can and you're nervous, you can literally go to
Speaker 3: your bank and be like, hey, like you know they could,
Speaker 3: they could do a credit pull for you. But know
Speaker 3: that if they do it, then it's going to be
Speaker 3: a hard inquiry because I've done that before, like when
Speaker 3: I was looking for like a mortgage whatever. I've just
Speaker 3: gone to the bank to get like my like full
Speaker 3: out credit score. But you know, I don't know, Like
Speaker 3: there's a bunch of like credit reporting agencies, but my favorite,
Speaker 3: like we'll not credit reporting agencies, but my favorite free
Speaker 3: one that I have found to be the most accurate
Speaker 3: that that's actually your Francal score is Discover has one.
Speaker 3: You don't have to have Discover Card because I don't
Speaker 3: have a Discover card. I know they're not paying me,
Speaker 3: not yet though. But if you go to a credit
Speaker 3: scorecard dot Com and you don't have to put in
Speaker 3: your full social I think just the last four day
Speaker 3: just because they have to identify it to you obviously.
Speaker 3: But credit scorecard dot Com, I actually like them, and
Speaker 3: when I got my I use all of them. I
Speaker 3: try them all. And when I went to the bank
Speaker 3: to get with the bank pulled Credit scorecard dot Com
Speaker 3: from Discover was the exact same one that the bank
Speaker 3: gave me, So I was like, whoa, And that's never
Speaker 3: happened before with the other one. So that's that's the
Speaker 3: one that I Those are my two suggestions.
Speaker 2: I'm glad that you said that I love Discover Scorecard.
Speaker 2: We actually point people to Discover Scorecard all the time
Speaker 2: at Magnify Money. It's a great tool and there's a
Speaker 2: lot of way I mean, I know you're scared about
Speaker 2: data breaches. Now I'm not going to pretend like they're
Speaker 2: never going to happen, but by not checking your credit report.
Speaker 2: How are you going to know that you've been breached? Like,
Speaker 2: how are you going to even be aware that something's
Speaker 2: happen there's errors on your report or someone stolen your
Speaker 2: credit if you're not actually staying on top of it.
Speaker 2: So I really recommend you start checking your credit and
Speaker 2: you don't have to do you know, back in the day,
Speaker 2: you used to have to go to all three credit
Speaker 2: rebureaus or go to Annual Credit Report dot com and
Speaker 2: download your report for free once a year. But now
Speaker 2: you don't even have to do you know, those extra
Speaker 2: steps you can sign up for. You know, my company,
Speaker 2: lending Tree has a platform called my lending Tree. They
Speaker 2: actually pull in all your credit accounts in one place
Speaker 2: so you can look at it. There's credit Karma, there's
Speaker 2: credit dot Com. There's all these different tools out there
Speaker 2: that make it very simple for you to monitor your
Speaker 2: credit in a free, simple way, and they can alert you,
Speaker 2: for example, if a new credit card was opened on
Speaker 2: your account, and you can be like, oh, yeah, that's that.
Speaker 2: You know, that's the personal loan that I took out
Speaker 2: last month, or oh shit, someone opened to Macy's card.
Speaker 2: I need to immediately report this dispute this era error
Speaker 2: to the credit bureaus. I know, through the my lending
Speaker 2: Tree app, you can like immediately dispute an error with
Speaker 2: TransUnion right through the app and there just go to
Speaker 2: the website and do it. So there's so many new
Speaker 2: it's a whole new world. There's all these really easy tools.
Speaker 2: But just be clear on like what's a credit report
Speaker 2: and what's a credit score, because I think you're going
Speaker 2: back and forth. So like the I think Tiffany does
Speaker 2: my favorite description of what a credit score report is
Speaker 2: you do like the GP A thing?
Speaker 3: Yeah, okay, okay, oh got it?
Speaker 2: We are too much.
Speaker 1: So your credit score. What I say that your credit
Speaker 1: score is that it's your financial GPA, and it basically
Speaker 1: if look at you, like, yo.
Speaker 2: What how do I say, I'm like, sorry, you got this?
Speaker 3: Yeah, So it's like your it's basically it's your financial GPA,
Speaker 3: so all of your your choices that you've made over time,
Speaker 3: but especially the emphasis is really on the last two
Speaker 3: years of your financial choices, of your financial.
Speaker 1: Choices as it relates to borrowing and paying back money.
Speaker 1: So that's what you're you're really going to see.
Speaker 3: Your score is going to report that and your credit report,
Speaker 3: it's like your transcript and that.
Speaker 1: It really goes deep into like well.
Speaker 3: On this you were thirty days late here, ninety days
Speaker 3: late here on time here, So it really breaks it down.
Speaker 3: So just remember how it was in school. So people
Speaker 3: ask all the time. They ask me and Mandy, you know,
Speaker 3: like if I were to do this one thing, will
Speaker 3: my credit score jump ten points one hundred points? And
Speaker 3: there's no way for Mandy and I to know because
Speaker 3: if your GPA, that's like asking, you know, if I
Speaker 3: get an A in Spanish senior year, will my overall
Speaker 3: GPA go up?
Speaker 1: And it might be depending on the.
Speaker 3: Other grades you previously got, because really your credit score,
Speaker 3: like a GPA is, is an it has to take
Speaker 3: into account all of your grades. Like I said, with
Speaker 3: your credit score is really the last two years that
Speaker 3: they have the most focus on. So there's no way
Speaker 3: to know what one thing is going to do. The
Speaker 3: more grades you have, meaning the more good or bad
Speaker 3: marks you have in your credit score credit report, the
Speaker 3: less one thing is going to make a difference. So
Speaker 3: like my husband, when I met him, his credit score
Speaker 3: wasn't the gradest. It was like a five thirty or
Speaker 3: something like that or six something, and but he only
Speaker 3: had just a handful of things on his credit report.
Speaker 1: So he did like two or three really good things.
Speaker 3: And it immediately raised his credit score over one hundred
Speaker 3: points because he didn't have many grades to factor into
Speaker 3: his GPA. Now, if you've got thirty different grades, then
Speaker 3: one good thing is not going.
Speaker 1: To offset all of the other grades.
Speaker 3: You're gonna have to do multiple good things by paying
Speaker 3: down your credit card every month, paying it off in full,
Speaker 3: making good choices, being on time with your with your
Speaker 3: with your the people that you owe.
Speaker 1: You're gonna have to do multiple things in order to
Speaker 1: make an effect.
Speaker 2: So and cleaning up your credit by paying attention to
Speaker 2: your credit report will it will help. So if you
Speaker 2: spot errors, I had no idea when I moved to
Speaker 2: New York City that there was a fraudulent credit card
Speaker 2: opened under my name and I got denied for an
Speaker 2: apartment and I never knew because I never checked my
Speaker 2: credit and it was dragging my score, it was dragging
Speaker 2: everything down. So check it, check it. Check It is
Speaker 2: so easy. And I'll post links to all the tools
Speaker 2: we talked about on our site and in the in
Speaker 2: the show notes for this episode, so thank you for
Speaker 2: that question. Don't be afraid, I mean, data breaches happen,
Speaker 2: and I'll send a link to about some ways that
Speaker 2: you can react if your credit score is stolen. At
Speaker 2: this point, I'm kind of operating in a world where
Speaker 2: it's going to happen. Just be prepared to act, you know,
Speaker 2: if your data is stolen. So okay, thank you. So
Speaker 2: another anonymous question, This person says, I have a thousand
Speaker 2: questions about getting my money together, but here's one. I've
Speaker 2: finally all caps paid off my secured Capital one credit card,
Speaker 2: which had a very high APR. It's the only credit
Speaker 2: card I've had since I filed bankruptcy back in twenty twelve.
Speaker 2: This is not a card that has any benefits at all,
Speaker 2: no balance transfers or anything. And I still don't qualify
Speaker 2: for a traditional credit card because my credit score is
Speaker 2: not strong enough currently it's a five sixty eight. Now
Speaker 2: that I pay this card off, I'm sure my card
Speaker 2: my credit score will start to increase. Should I close
Speaker 2: the card down or keep it open so I have
Speaker 2: revolving credit available. She says, I've finally been approved for
Speaker 2: a personal loan from one main financial to consolidate some debt.
Speaker 2: The loan is worth six thousand dollars at a very
Speaker 2: high APR. So this is kind of like two questions.
Speaker 2: So she has a secured credit card, and now she's
Speaker 2: come back and said that she must have other debt
Speaker 2: that she's trying to consolidate. So she says, I've finally
Speaker 2: been approved for a personal loan from one main financial
Speaker 2: to consolidate debt. The loan is six thousand dollars at
Speaker 2: a very high twenty nine percent EPR with monthly payments
Speaker 2: of one hundred and sixty dollars for thirty six months.
Speaker 2: The loan would be used to pay down a few
Speaker 2: accounts and collections and helps to increase my credit score
Speaker 2: by paying down some outstanding debt. What are your thoughts
Speaker 2: on this? Would you accept this offer? So this is
Speaker 2: a lot to unpack. She has filed bankruptcy, she took
Speaker 2: out a secured card, but it sounds like she still
Speaker 2: has some accounts and collections. I mean, that was six
Speaker 2: years ago, so it's not unheard of that people who
Speaker 2: file bankruptcy fall back into debt. It's very easy. But
Speaker 2: now she has this personal loan through So have you
Speaker 2: heard of One Main Financial.
Speaker 1: No, I was gonna say, have you heard of it before?
Speaker 2: I have. Yeah, We've done a review of One Main
Speaker 2: Financial and Magnified Money. It's actually they have a lot
Speaker 2: of storefronts across the country. They're actually a bank you
Speaker 2: can walk into and personally get a person. You actually
Speaker 2: have to walk into the bank, I'm pretty sure in
Speaker 2: one of their branches to get a personal loan, and
Speaker 2: they typically work with people in the subprime credit category.
Speaker 2: So I mean, she says she has a five to
Speaker 2: sixty eight credit score. It's very difficult to get qualified
Speaker 2: for a personal loan when your score is under even
Speaker 2: six p't eighty and One Main Financial while that APR
Speaker 2: is high twenty nine percent, and they do charge in
Speaker 2: a lot of cases some origination fees. It could be
Speaker 2: so much worse. There are so many worse banks you
Speaker 2: could work with. I feel, you know, One Main Financial
Speaker 2: and of course I'm not a financial planner, not a
Speaker 2: financial advisor, but you know, among the lenders that we've
Speaker 2: reviewed who work with people with poor credit, there, I
Speaker 2: would say one of the better ones. And at an
Speaker 2: APR twenty nine percent, I've seen ones that have trip
Speaker 2: digit aprs easily or they yes, or their origination fees
Speaker 2: are so high that it kind of or they charge
Speaker 2: these really high upfront fees that mirror that kind of
Speaker 2: hide that they make up for, you know, they use
Speaker 2: it to make up for maybe advertising a lower rate.
Speaker 2: So it's good that you're looking at the rate your
Speaker 2: monthly payments at one sixty for thirty six months. The
Speaker 2: benefit there is that, Okay, you know exactly how much
Speaker 2: you owe. It's never going to change because it's a
Speaker 2: fixed loan. That's how personal loans work, and everything is
Speaker 2: kind of upfront. What I would say is you're only
Speaker 2: going to know if one main Financial is a good
Speaker 2: deal if you also shop at a couple of other
Speaker 2: lenders and see what they offer you. And if you do,
Speaker 2: if you do your homework and you try to see
Speaker 2: what other approvals you can get from other lenders, and
Speaker 2: then you realize, Okay, this one main Financial offer actually
Speaker 2: is the best I'm getting, or oh hey, this lender's
Speaker 2: actually offering me with a much lower APR. Then you
Speaker 2: that'll help you determine what the best option is for you.
Speaker 2: One main Financial at twenty nine percent, I mean I
Speaker 2: think they go up to like thirty six percent. Okay APR,
Speaker 2: so it seems like that's a and especially for a
Speaker 2: five sixty eight credit score. Okay, decent, But you have
Speaker 2: to I would say, compare your options to other lenders.
Speaker 2: Can you can go to lending tree dot com or
Speaker 2: magnify money dot com. We each have tools where you
Speaker 2: can possibly review offers from different lenders and do some shopping.
Speaker 2: It takes some extra homework, but you know, there's only
Speaker 2: one way to find out. It's not like I can
Speaker 2: tell you, oh, you can go to this bank or
Speaker 2: that bank, because I don't. You know, each bank has
Speaker 2: her own criteria and you need to actually apply to
Speaker 2: see what you're going to get.
Speaker 1: You know.
Speaker 3: And as far as the other card, honestly, I probably
Speaker 3: wouldn't close.
Speaker 1: I think she asked the question about she keep it
Speaker 1: or close it. I probably wouldn't.
Speaker 2: Yeah, close it. This is a secured card, yeah.
Speaker 3: Yeah, so because you want to keep that. Your utilization,
Speaker 3: So utilization is basically the difference between how much money
Speaker 3: you could borrow from your credit cards by swiping and
Speaker 3: using it versus how much you actually do borrow. So
Speaker 3: if you're if you're maxed out, your utilization is one
Speaker 3: hundred percent, which is really bad. You want utilization to
Speaker 3: be at maximum, really thirty percent, meaning if you have
Speaker 3: one hundred dollars limit, your balance is no more than
Speaker 3: thirty dollars at a time. So I probably because I've
Speaker 3: had cards like that where the interest rate is not
Speaker 3: so great, but I've kept them.
Speaker 1: Like I have a Bank of America card.
Speaker 3: The interest rate is not in comparison to my other cards,
Speaker 3: it's not so great, but it's a card that I've
Speaker 3: had since like literally like my thirty year in college,
Speaker 3: and the the limit is super high because I've had
Speaker 3: it for so long, so I keep it to offset
Speaker 3: any other card that I might use, So like it
Speaker 3: keeps because utilization is the average of your cards, So
Speaker 3: I would just keep it and kind of like hold
Speaker 3: on to it.
Speaker 1: And even what you could do, which actually has helped me.
Speaker 3: Raise my credit card, is that one card you can
Speaker 3: like I put Netflix on that card, that Bank of
Speaker 3: America card, So every month next charges that car for
Speaker 3: like eight bucks a month or whatever, and then I
Speaker 3: have what my bank account paid off automatically every month.
Speaker 3: So I have like this like loop that I don't
Speaker 3: have to do anything with like charge the car paid
Speaker 3: off automatically, So that way the card is used every
Speaker 3: month and paid off every month in full, and then
Speaker 3: I leave my card home.
Speaker 1: That's what I would do.
Speaker 2: That's smart. Yeah, and she's had it since twenty twelve,
Speaker 2: well apparently, I don't know when she's high long she's
Speaker 2: had it for. But if it's her only credit card, yeah,
Speaker 2: I mean, if you get rid of that, then your
Speaker 2: your average age of credit history is really gonna plumb,
Speaker 2: which can impact her score.
Speaker 1: Yeah.
Speaker 2: I realized these questions were sent back to back on
Speaker 2: the same day, so it's almost like when she really
Speaker 2: said she had a thousand questions, she meant it and
Speaker 2: real quick. Just another thought on the personal loan thing.
Speaker 2: As you're comparing offers from lender, she's talking about consolidating
Speaker 2: her debt, so also consider, Yes, the APR with this loan,
Speaker 2: twenty nine percent sounds high. You know, there's actually store
Speaker 2: credit cards that have aprs at high, so it's not outrageous,
Speaker 2: but that's true. Yeah, But like, also can look at
Speaker 2: the loans that you're going to be consolidating and if
Speaker 2: they're if they have aprs that high or higher, think
Speaker 2: about how much money you'll save by going with this
Speaker 2: deck consolidation loan. I mean, hopefully it's something, and especially
Speaker 2: if it can help you take those accounts out of
Speaker 2: collections and you know, you know, consolidate, make your payments easier.
Speaker 2: You know, maybe maybe it's maybe it's worth it. Just
Speaker 2: just consider everything, not just the APR and the monthly
Speaker 2: payment and all that jazz.
Speaker 1: Yeah, So hope we answer two of your a thousand questions.
Speaker 2: Good questions. Somebody lay us. You've got like three questions
Speaker 2: in one there.
Speaker 1: So you got that off. You got that off, all.
Speaker 2: Right, Thank you so much, and everybody, you can email
Speaker 2: us your questions at Brown Ambition Wait yeah, Brown Ambition
Speaker 2: Podcasts at gmail dot com, or or hit us up
Speaker 2: at brown Ambition podcast dot com. Ask us anything at
Speaker 2: the top of the site.