WEBVTT - The Personality Test That Can Totally Change the Way You Work

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<v Speaker 1>Hey, hey, hey, Hi, we're back. We're black, We're brown.

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<v Speaker 1>This is Tiffany.

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<v Speaker 2>What's up, girls, Mandy? Did you miss us?

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<v Speaker 3>I know we saw some of your tweets and this

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<v Speaker 3>is brown ambition if you got stumbled here by mistake

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<v Speaker 3>and don't realize where you are. But I saw some tweets,

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<v Speaker 3>like someone said, what I thought was so cute that

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<v Speaker 3>I'm just over here refresh on the screen even though

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<v Speaker 3>I know no new podcast is coming today, but you

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<v Speaker 3>never know, just refreshing my screen.

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<v Speaker 2>One week, one week, y'all, one week. We've never taken

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<v Speaker 2>a long hiatus.

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<v Speaker 1>Yes, we know how you guys. You know how you

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<v Speaker 1>guys love to listen and we love that you listen.

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<v Speaker 4>And so we are back barely.

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<v Speaker 2>So I've been in the delightful Charlotte, North Carolina all week.

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<v Speaker 2>Barely made it back. All these flight delays and stuff. Yeah,

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<v Speaker 2>these like we had a company kind of offsite where

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<v Speaker 2>we had we have workers all over the country, so

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<v Speaker 2>we brought them all together for an off site. We

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<v Speaker 2>just acquired this website called student loan Hero. So some

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<v Speaker 2>of you guys, if a student loan debt, may be

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<v Speaker 2>aware of student loan Hero. They're Actually, they're really cool.

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<v Speaker 2>They created a platform where you could load all your

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<v Speaker 2>student loans into one place and like, you know, keep

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<v Speaker 2>tabs on them, because I don't know if kids who

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<v Speaker 2>graduate today graduate with like sixteen different loans, with four

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<v Speaker 2>different loan services and all that. So they've done a

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<v Speaker 2>lot of great work helping people pay off their student

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<v Speaker 2>loan debt and we're so excited to work with them.

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<v Speaker 2>Blah blah blah. But here's what happened, So Mandy Woodruff,

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<v Speaker 2>I think about like who I used to be when

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<v Speaker 2>I was a kid, and like how deeply shy and

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<v Speaker 2>deeply introverted I was. And for me to have survived

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<v Speaker 2>a week like this, I just feel like, man, you

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<v Speaker 2>really can grow and all it can happen for anybody

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<v Speaker 2>can get through this week. Anybody can do anything. But

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<v Speaker 2>by the time we we wrap things up on Friday

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<v Speaker 2>after like constant presentations and sessions and talking and dinners

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<v Speaker 2>and talking and people and uh, I had to book

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<v Speaker 2>myself a self care massage. Like I scooted it on it.

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<v Speaker 2>I like slid out of the the last thing of

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<v Speaker 2>the day. I was like and goodbye, and I took

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<v Speaker 2>a lift to get a massage and just be in

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<v Speaker 2>a dark room for an hour and a half was

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<v Speaker 2>much needed.

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<v Speaker 3>Sometimes it's just it's just it's just overwhelmed depending on

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<v Speaker 3>I mean, I know everyone says they're an introvert now,

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<v Speaker 3>but it could be really overwhelming depending on like the

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<v Speaker 3>I think for anybody, even if you are, I guess

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<v Speaker 3>extroverts love all that, but yeah, I can just see.

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<v Speaker 1>You being like this, this too much. It's like me

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<v Speaker 1>being hugged all day long.

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<v Speaker 2>It's like, okay, okay, it's I mean, it's not like introvert.

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<v Speaker 2>I mean, some people think introvert just means you're really

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<v Speaker 2>shy and like you don't like people, and that's not

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<v Speaker 2>what it means. It just it's about where you get

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<v Speaker 2>your energy from. And for introverts, you can get you

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<v Speaker 2>can enjoy talking to people, but it actually drains your

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<v Speaker 2>energy and you need to to re energize. You need

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<v Speaker 2>to be alone and to be like thoughtful and quiet,

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<v Speaker 2>Whereas an extrovert they get their energy from those human

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<v Speaker 2>interactions and like charges them up. So it's just it's

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<v Speaker 2>just a different way. But but the what I've learned,

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<v Speaker 2>especially because I've done a couple of like management trainings

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<v Speaker 2>and personality tests and stuff. Is that it does? That does?

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<v Speaker 2>That's not your only story. It's not like because I

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<v Speaker 2>at my natural core get really exhausted by talking to

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<v Speaker 2>a lot of people and like giving presentations and being

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<v Speaker 2>out there out there. It doesn't mean that I'm bad

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<v Speaker 2>at what I do. It just me like I can

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<v Speaker 2>learn to work with it. I can learn to push myself,

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<v Speaker 2>and I push myself all that. I mean, just to

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<v Speaker 2>be a manager in generally, you have to push yourself

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<v Speaker 2>to to to to break out of my natural state

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<v Speaker 2>of being, which is like me in a dark corner

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<v Speaker 2>of a room, you know, being alone, Like that's not

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<v Speaker 2>going to help me succeed, But it's it's like recognizing

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<v Speaker 2>and being self aware of where your weaknesses are and

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<v Speaker 2>then working really hard to be self aware and to

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<v Speaker 2>correct yourself so that you can be the person you

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<v Speaker 2>need to be for the job that you have. And

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<v Speaker 2>that it's what I've had to.

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<v Speaker 1>Learn basically, be best, Be best.

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<v Speaker 3>But those of you who don't know me and man,

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<v Speaker 3>we're having like a little slide conversation. I mean, not

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<v Speaker 3>to laugh the first lady, but to laugh the first lady.

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<v Speaker 3>Her platform is anti bullying, which I guess is the

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<v Speaker 3>opposite of what we're doing right now, but she.

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<v Speaker 5>Can take it, yes, and she so if you guys,

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<v Speaker 5>it was like literally months and months and months ago,

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<v Speaker 5>where like I guess, she addressed like this is gonna

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<v Speaker 5>be my platform, which is like cyber bullying or whatever,

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<v Speaker 5>and she encouraged.

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<v Speaker 3>Children to be best, not be the best, not be

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<v Speaker 3>your best, but be best, be.

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<v Speaker 1>Best, and so you know, we just think that.

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<v Speaker 2>So you don't know what it means.

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<v Speaker 3>I think you're gonna hear us randomly just like spit

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<v Speaker 3>out be best and just because it's hilarious.

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<v Speaker 2>It's only been May, I mean months and months and

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<v Speaker 2>it's only a couple of months ago.

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<v Speaker 1>The best.

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<v Speaker 3>You know, Manny, you want to have you you been

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<v Speaker 3>to Sojo Spot, right, could you? When you said spot go.

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<v Speaker 2>Yes, I like Sojo Spawn in Edgewater, New Jersey place.

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<v Speaker 1>Oh my god.

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<v Speaker 3>So I took Superman there for his birthday and it

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<v Speaker 3>was it was so nice honestly because he was like, oh,

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<v Speaker 3>you know, I asked him what did you want and

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<v Speaker 3>he was like, honestly, I just want a massage and

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<v Speaker 3>I said okay, So, like you know, he said, we

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<v Speaker 3>could just go to a massage and be I'm like, no,

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<v Speaker 3>it's your birthday.

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<v Speaker 1>Let's do something special.

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<v Speaker 3>And so I surprised him and he was like, WHOA,

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<v Speaker 3>I had never been and I was like, whoa.

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<v Speaker 1>That place is gorgeous.

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<v Speaker 2>It's beautiful and clean, so many different levels and rooms

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<v Speaker 2>and steam rooms and salt rooms. It's great.

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<v Speaker 1>It was everything.

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<v Speaker 3>And then I splurged on a couple's massage and not

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<v Speaker 3>even a couple, which basically was like, oh, you can buy.

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<v Speaker 2>A massage too, nice YEA, I know.

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<v Speaker 1>Let me see how I did that right.

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<v Speaker 3>I was like, for your birthday, we shall get a massage.

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<v Speaker 3>The massage was so good? Why do we both fall asleep?

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<v Speaker 3>And I woke up for sleep and I hear him

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<v Speaker 3>snoring and I'm giggling. He said, what you laughing at?

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<v Speaker 3>You were storing to I'm like, no, I wasn't, y'all.

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<v Speaker 2>How can you fall asleep? I'm like, I'm like five

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<v Speaker 2>percent very alert because someone's literally rubbing near your butt

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<v Speaker 2>the whole time, Like I don't know, I can't. I'm

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<v Speaker 2>just like I'm ninety five percent relaxed, and five percent

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<v Speaker 2>of me is like, you're very awfully close to my

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<v Speaker 2>butt crack right now.

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<v Speaker 1>You know what it is.

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<v Speaker 3>I was so exhausted and tired, and so it just

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<v Speaker 3>I didn't realize like how like how like the last week,

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<v Speaker 3>a couple of weeks have been just like you know,

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<v Speaker 3>just being like a lot of work and so because

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<v Speaker 3>I've gotten massage before and I've never fallen asleep, but

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<v Speaker 3>I and honestly, I didn't even think. I felt like

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<v Speaker 3>I remember thinking in my head, probably in my dream,

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<v Speaker 3>like you know, like this is really nice, but I

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<v Speaker 3>wonder if I'm want to go to sleep. Meanwhile I

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<v Speaker 3>was asleep thinking that. But yeah, it was everything. It

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<v Speaker 3>was like you said, beautiful, clean night. I mean it's

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<v Speaker 3>a grip, you know, it's not like for the massages.

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<v Speaker 3>The day passes not too too bad if you really

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<v Speaker 3>use it, but like to get a massage, I was like,

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<v Speaker 3>oh am, I making a down payment on the house.

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<v Speaker 3>But no, but it was honestly, it was a really

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<v Speaker 3>good time. He had a great birthday, and he got promoted.

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<v Speaker 2>What he did awesome.

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<v Speaker 1>On his day off. You know people get fired on

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<v Speaker 1>the day off. He got promoted. He took the day off, he.

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<v Speaker 3>Got promoted on his day off. He's gonna be running

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<v Speaker 3>a whole site to himself. He's a super now, And

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<v Speaker 3>I'm like, oh, look at Superman.

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<v Speaker 2>Is a super make it moves.

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<v Speaker 1>I know.

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<v Speaker 3>I'm so proud of him because he's been wanting to

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<v Speaker 3>do that for a while and you know, I mean

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<v Speaker 3>and honestly, he was already excellent in what he did

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<v Speaker 3>and now they're like, well, now you'll have a team

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<v Speaker 3>of like so he's like all like freaked out because

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<v Speaker 3>he's going from like you know, kind of just managing

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<v Speaker 3>himself and maybe like one or two people to like

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<v Speaker 3>having a full sight of like hundreds of units to

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<v Speaker 3>manage and having it to staff of like fifteen.

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<v Speaker 1>Oh.

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<v Speaker 2>So I feel him on that. If he needs he

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<v Speaker 2>needs any commiseration, any links to any management trainings, I'm

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<v Speaker 2>with him, but just trying to tell him trust his instincts.

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<v Speaker 3>He knows what he's doing, yes, And so I just

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<v Speaker 3>saw I was like, you know, the good thing is

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<v Speaker 3>like you literally came from the other side. So one

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<v Speaker 3>of the things we're gonna do tonight is just kind

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<v Speaker 3>of like make a list of like managers he's had

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<v Speaker 3>before that he thought were like all of them and

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<v Speaker 3>then talk about like what traits really were great and

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<v Speaker 3>what traits weren't so great, so he could, you know,

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<v Speaker 3>like kind of figure out, like, you know, what is

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<v Speaker 3>his management Styd And that's it. Honestly, you learned best

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<v Speaker 3>with time. But you want to start well because you

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<v Speaker 3>don't want to start too Oh I'm a homeboy, and

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<v Speaker 3>then everybody wants all over you, and you don't want

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<v Speaker 3>to start as like everybody must do what I say

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<v Speaker 3>and everybody hates you and says, no, we're not you know.

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<v Speaker 2>So yeah, there's a there's a balance to strike. Yep.

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<v Speaker 1>Yeah. So yeah, it's been it's been good.

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<v Speaker 3>But I know your birthday's coming up. It's your birth Well,

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<v Speaker 3>it will have passed by the time folks listen to this.

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<v Speaker 2>I mean, yeah it maybe it may be coming up

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<v Speaker 2>in a couple of days. I'm at peace with it.

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<v Speaker 1>What you're gonna do, I don't know.

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<v Speaker 2>I feel like my thirtieth birthday, I just really did.

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<v Speaker 2>I did this this huge dinner with my family and friends,

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<v Speaker 2>and I feel like that could last me for the

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<v Speaker 2>next five birthdays. I just want to get the permit

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<v Speaker 2>so we can start our renovation. Work has never been

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<v Speaker 2>crazier like this next week. Honestly, I think I don't

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<v Speaker 2>even know if we're doing anything. I'm leaving it up

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<v Speaker 2>to Husbany to do something. And even if we don't,

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<v Speaker 2>it's not a big deal. But I feel like my

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<v Speaker 2>my birthday reward is going to be doing a good

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<v Speaker 2>job at work this week because it's a really important

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<v Speaker 2>week for us, bringing two teams together who've never worked together.

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<v Speaker 2>And yeah, it's a lot of challenges. I feel good

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<v Speaker 2>in my thirties. Yeah, okay, I'm telling you thirty six,

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<v Speaker 2>it's you know, be best.

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<v Speaker 3>This is what it is.

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<v Speaker 1>So now I'm going on a vak though I much

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<v Speaker 1>need a vaka I have. I've never need a vacation

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<v Speaker 1>like I've needed this vacation.

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<v Speaker 3>And I'm going to Santorini, Greece, which is like the

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<v Speaker 3>most I've been before I.

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<v Speaker 1>Went, I want to say, like three years ago.

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<v Speaker 3>My sister and I we went to Istanbul, we went

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<v Speaker 3>to Athens, and we went to Santorini. And this is

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<v Speaker 3>great website, honestly called European Destinations dot com. Okay, and

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<v Speaker 3>I love it because you can you can like kind

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<v Speaker 3>of like book your itinerary, like I think we paid

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<v Speaker 3>at the time, we paid like twelve hundred dollars for

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<v Speaker 3>three different cities, including flight and hotel, and I made

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<v Speaker 3>sure to pick hotels that had food included, and so

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<v Speaker 3>it's just a great But that's not where. I didn't

0:10:11.760 --> 0:10:13.360
<v Speaker 3>book that this time because it was just too close.

0:10:13.400 --> 0:10:15.400
<v Speaker 3>I literally booked the day before and I used my

0:10:16.000 --> 0:10:17.960
<v Speaker 3>That Chase card is like the gift that keeps on giving.

0:10:17.960 --> 0:10:20.840
<v Speaker 3>That we that we got that you the Chase Is

0:10:20.840 --> 0:10:22.400
<v Speaker 3>it the Venture card that we have? What's the sound?

0:10:22.400 --> 0:10:22.719
<v Speaker 1>I don't know.

0:10:22.760 --> 0:10:24.240
<v Speaker 2>It was so funny when you were telling me before.

0:10:24.240 --> 0:10:31.959
<v Speaker 2>You're like, it's my Chase Adventure Card, Chase Sapphire Reserve

0:10:32.080 --> 0:10:35.040
<v Speaker 2>card and you booked it through the Ultimate Rewards Portal.

0:10:35.720 --> 0:10:38.280
<v Speaker 1>Yeah, I was like, you buy a venture cardy. Honestly,

0:10:38.320 --> 0:10:39.800
<v Speaker 1>more and more I turned into my dad every day.

0:10:40.600 --> 0:10:42.680
<v Speaker 3>You just give things titles like oh, you know, I

0:10:42.720 --> 0:10:43.920
<v Speaker 3>feel like that's not what it's called that.

0:10:44.040 --> 0:10:47.680
<v Speaker 2>He's like, but you got the hit, that's my Chase

0:10:47.720 --> 0:10:49.120
<v Speaker 2>Good Time card, right, yes?

0:10:51.280 --> 0:10:52.920
<v Speaker 1>And so I the flight.

0:10:53.160 --> 0:10:54.439
<v Speaker 3>You know, I didn't have to pay for it all,

0:10:54.520 --> 0:10:57.200
<v Speaker 3>thank goodness, because it was not cheap and I had

0:10:57.240 --> 0:10:59.400
<v Speaker 3>not Honestly, I had not used my flight points from

0:10:59.440 --> 0:11:01.480
<v Speaker 3>my card in a while, like I've been using the

0:11:01.480 --> 0:11:03.640
<v Speaker 3>flight points for my like I usual United, so like

0:11:03.679 --> 0:11:06.120
<v Speaker 3>I racked up points with them, so I'm glad I

0:11:06.160 --> 0:11:08.640
<v Speaker 3>saved them because it cost me every single point, which

0:11:08.679 --> 0:11:11.200
<v Speaker 3>is fine. And then the whole we found an airbnb

0:11:11.600 --> 0:11:13.240
<v Speaker 3>because myself and two of my friends are going. We

0:11:13.280 --> 0:11:17.559
<v Speaker 3>found an airbnb, like and it's basically like a hundred

0:11:17.559 --> 0:11:19.880
<v Speaker 3>bucks a night, not equal, well not altogether, but each

0:11:20.040 --> 0:11:21.360
<v Speaker 3>I think it was like three hundred bucks a night,

0:11:21.360 --> 0:11:24.080
<v Speaker 3>but that was the cheapest one. And honestly it's a

0:11:24.160 --> 0:11:26.640
<v Speaker 3>villa and it's beautiful. Because I didn't realize this is

0:11:26.679 --> 0:11:30.120
<v Speaker 3>I guess peak travel time right now, and I'm in Greece,

0:11:30.160 --> 0:11:32.520
<v Speaker 3>and so we were looking at things that were like

0:11:32.559 --> 0:11:34.800
<v Speaker 3>eight hundred one thousand dollars on nights, and I was like,

0:11:35.440 --> 0:11:37.840
<v Speaker 3>I'll be home and so this this I think she

0:11:37.840 --> 0:11:40.240
<v Speaker 3>had a last minute cancelation, this woman's villa, and so

0:11:40.280 --> 0:11:42.200
<v Speaker 3>we got it really inexpensive, so I was like, yay,

0:11:42.600 --> 0:11:44.880
<v Speaker 3>flight paid for hotel, not too bad.

0:11:44.880 --> 0:11:45.680
<v Speaker 1>One hundred bucks a night.

0:11:45.720 --> 0:11:48.160
<v Speaker 3>I'll be there five nights, so that's five hundred bucks,

0:11:48.160 --> 0:11:50.400
<v Speaker 3>so not too bad. And then the food I found

0:11:50.400 --> 0:11:53.000
<v Speaker 3>when I went last time, the restaurants really weren't that expensive.

0:11:53.640 --> 0:11:56.360
<v Speaker 3>So I feel like like the trip all together will

0:11:56.360 --> 0:11:59.400
<v Speaker 3>definitely be under a thousand dollars out of pocket, and

0:11:59.440 --> 0:12:02.160
<v Speaker 3>I'm gonna be out there head being my best, living

0:12:02.200 --> 0:12:08.400
<v Speaker 3>my best life.

0:12:19.880 --> 0:12:23.320
<v Speaker 2>Oh joh, you mentioned social media earlier, and I just

0:12:23.520 --> 0:12:26.400
<v Speaker 2>I just saw the most passive aggressive tweet from one

0:12:26.400 --> 0:12:28.280
<v Speaker 2>of our listeners. Should we do some shout outs real quick?

0:12:28.360 --> 0:12:29.520
<v Speaker 1>Yeah? Shadows?

0:12:29.720 --> 0:12:33.160
<v Speaker 2>So first, this is from at Wait a second, what's

0:12:33.200 --> 0:12:37.960
<v Speaker 2>her name? At gold Digger twenty eighteen. Okay, she said,

0:12:38.000 --> 0:12:40.240
<v Speaker 2>what podcast do you recommend? I need to listen to

0:12:40.520 --> 0:12:42.720
<v Speaker 2>some while waiting for the next episode of your shows

0:12:42.760 --> 0:12:48.080
<v Speaker 2>at the podcast at Lovey We get it. It was

0:12:48.120 --> 0:12:50.319
<v Speaker 2>one week. We're sorry, don't be leaving us for other

0:12:50.400 --> 0:12:51.200
<v Speaker 2>shows right now.

0:12:51.480 --> 0:12:54.720
<v Speaker 1>Yeah, it's just like because clearly y'all, y'all not trying

0:12:54.720 --> 0:12:56.520
<v Speaker 1>to be like we are. It's just that, you know,

0:12:56.600 --> 0:12:59.240
<v Speaker 1>sometimes things happen. We literally like never miss a show,

0:13:00.160 --> 0:13:02.559
<v Speaker 1>you know. So what was I saw a cute one?

0:13:02.600 --> 0:13:06.000
<v Speaker 3>Let me see, let's see this was a little from

0:13:06.000 --> 0:13:08.920
<v Speaker 3>a little while ago. All this is cute toy toy.

0:13:10.400 --> 0:13:14.320
<v Speaker 3>She she's her Twitter handle is toy toy r N.

0:13:15.080 --> 0:13:18.120
<v Speaker 3>She said, Now, listening to every episode of Brown ambishon

0:13:19.160 --> 0:13:20.920
<v Speaker 3>after listening to the bunche Ofsta. I was on this

0:13:20.960 --> 0:13:23.600
<v Speaker 3>podcast called the friend Zone, and I mentioned that, oh

0:13:23.679 --> 0:13:28.760
<v Speaker 3>he listened to every episode and then someone else, sim

0:13:29.160 --> 0:13:32.920
<v Speaker 3>Sim forty sim says Brown and Bishion, you guys using

0:13:32.920 --> 0:13:35.280
<v Speaker 3>the hashtag Brown and Bision podcast had so much info.

0:13:35.640 --> 0:13:37.960
<v Speaker 3>Take a peak, people and get the good good Yes,

0:13:38.040 --> 0:13:40.400
<v Speaker 3>hashtag great tips, hashtag the real deal.

0:13:40.559 --> 0:13:44.560
<v Speaker 1>Okay, Simsim. She said, get that good good.

0:13:45.400 --> 0:13:47.559
<v Speaker 2>I don't know if good good means, but I think

0:13:47.640 --> 0:13:53.240
<v Speaker 2>it means. But okay, whatever you need we provided over here.

0:13:53.280 --> 0:13:55.880
<v Speaker 2>On the Instagram, I posted I was so excited by

0:13:55.920 --> 0:14:01.160
<v Speaker 2>this news sid Octavia Spencer she won an oscar. Yeah,

0:14:01.200 --> 0:14:03.720
<v Speaker 2>she won for the help right. Oscar winning actress Octavia

0:14:03.760 --> 0:14:07.160
<v Speaker 2>Spencer is going to star and she's gonna be Madam

0:14:07.240 --> 0:14:10.480
<v Speaker 2>c J. Walker like a biopic yeah, which is being

0:14:10.520 --> 0:14:13.520
<v Speaker 2>produced somehow by Lebron James. I don't know. It sounds

0:14:13.559 --> 0:14:16.480
<v Speaker 2>like a lot of magic happening. So I posted that

0:14:16.520 --> 0:14:19.680
<v Speaker 2>news and at Neslei and Stage said this is the

0:14:19.760 --> 0:14:22.520
<v Speaker 2>kind of news that fills my heart with joy, and

0:14:22.560 --> 0:14:27.920
<v Speaker 2>at Buzzy Beacam says, yuah, so is that good? I

0:14:27.960 --> 0:14:29.280
<v Speaker 2>don't know, it's kind of like caveman.

0:14:29.600 --> 0:14:34.480
<v Speaker 3>Yeah, yeah, no, you guys are awesome. Remember, we love, love,

0:14:34.560 --> 0:14:37.360
<v Speaker 3>love to hear from you. So if you're gonna tweet us,

0:14:37.400 --> 0:14:40.840
<v Speaker 3>definitely use the hashtag bron ambition. And we are at

0:14:41.200 --> 0:14:46.920
<v Speaker 3>the BA podcast on Twitter and on Instagram.

0:14:47.160 --> 0:14:49.440
<v Speaker 1>We are what are we on Instagram.

0:14:49.000 --> 0:14:50.440
<v Speaker 2>At Brandon Bishion podcast.

0:14:50.960 --> 0:14:53.160
<v Speaker 1>Yeah, so you know, head over to that.

0:14:53.320 --> 0:14:56.640
<v Speaker 3>Follow us on Instagram, lease some comments under her pictures

0:14:56.680 --> 0:14:59.680
<v Speaker 3>so we can shout you out, and definitely tweet us

0:15:00.040 --> 0:15:01.360
<v Speaker 3>so we can shot you out that way too.

0:15:01.880 --> 0:15:03.680
<v Speaker 2>A lot of folks have also been tagging us in

0:15:03.760 --> 0:15:05.920
<v Speaker 2>posts of that they think we'll like, and that's really

0:15:05.920 --> 0:15:08.520
<v Speaker 2>fun too. Woll have this girl on your podcast? She

0:15:08.520 --> 0:15:10.400
<v Speaker 2>paid off a lot of debts, so those are nice too.

0:15:10.440 --> 0:15:12.560
<v Speaker 2>So tag us and stuff, get us our attention, get

0:15:12.800 --> 0:15:15.720
<v Speaker 2>get our attention. We check, we read, we.

0:15:15.720 --> 0:15:17.760
<v Speaker 3>Do, and honestly, what have you been getting this? People

0:15:17.800 --> 0:15:20.880
<v Speaker 3>have been sending us like brown boost, brown break suggestion.

0:15:21.360 --> 0:15:22.560
<v Speaker 1>I love that.

0:15:22.560 --> 0:15:24.160
<v Speaker 2>That's cute.

0:15:25.600 --> 0:15:28.160
<v Speaker 3>Ah, well mine is easy and quick, so I'll go

0:15:28.320 --> 0:15:30.360
<v Speaker 3>first because I'm not sure where your boost is going

0:15:30.440 --> 0:15:31.920
<v Speaker 3>to be and I don't want it to be mine,

0:15:31.960 --> 0:15:34.920
<v Speaker 3>So I want to have my first Okay, So my

0:15:35.000 --> 0:15:37.119
<v Speaker 3>boost is you spoke.

0:15:36.880 --> 0:15:39.240
<v Speaker 1>Of Lebron and I just want to say, Lebron James,

0:15:39.240 --> 0:15:39.720
<v Speaker 1>we love you.

0:15:40.800 --> 0:15:43.840
<v Speaker 3>So Lebron, if you've been living under rock, is a

0:15:44.160 --> 0:15:48.400
<v Speaker 3>very famous and well known basketball player. Some say top

0:15:48.920 --> 0:15:52.040
<v Speaker 3>top three of our time, which I would tend to agree,

0:15:52.040 --> 0:15:55.000
<v Speaker 3>although I do not do the sports. He started a

0:15:55.000 --> 0:15:57.840
<v Speaker 3>school in Akron, Ohio, where he grew up, called the

0:15:57.960 --> 0:16:02.200
<v Speaker 3>I Promise School, and it is amazing. Here's some of

0:16:02.240 --> 0:16:06.800
<v Speaker 3>the highlights. It focuses on accelerated learning, provides job placement

0:16:06.960 --> 0:16:10.680
<v Speaker 3>for a job placement assistance for parents. Has on has

0:16:10.680 --> 0:16:14.040
<v Speaker 3>an on site food bank, supports students with stress from

0:16:14.080 --> 0:16:18.280
<v Speaker 3>economic causes. Gives every student a bike to escape dangerous

0:16:18.280 --> 0:16:22.200
<v Speaker 3>parts of the city. Guarantee free college tuition to the

0:16:22.320 --> 0:16:26.120
<v Speaker 3>University of Akron to all graduates starting in twenty twenty one.

0:16:26.360 --> 0:16:29.800
<v Speaker 3>So I believe like most schools starting off like well,

0:16:30.400 --> 0:16:32.200
<v Speaker 3>many new schools start off with like one or two grades.

0:16:32.240 --> 0:16:34.280
<v Speaker 3>I think this is third and fourth grade, and then

0:16:34.320 --> 0:16:39.080
<v Speaker 3>every year they add on a new grade level. But

0:16:39.120 --> 0:16:40.880
<v Speaker 3>like there's even more to this, Like they have like

0:16:41.800 --> 0:16:43.800
<v Speaker 3>just what I love And this is what I've always said,

0:16:43.800 --> 0:16:45.280
<v Speaker 3>Like me as a teacher, I said, like, if I

0:16:45.360 --> 0:16:48.040
<v Speaker 3>was going to create something for students, you have to

0:16:48.040 --> 0:16:49.800
<v Speaker 3>include the parents because I don't.

0:16:49.640 --> 0:16:50.880
<v Speaker 1>Care how much you teach.

0:16:51.080 --> 0:16:53.600
<v Speaker 3>It's one of the reasons why I started at the Budget, Lisa,

0:16:53.680 --> 0:16:56.480
<v Speaker 3>because I was teaching the kids at school and the

0:16:56.520 --> 0:16:59.400
<v Speaker 3>parents would come and struggling, and then they would ask

0:16:59.440 --> 0:17:01.040
<v Speaker 3>me to borrow mone whatever. And I would say, you

0:17:01.040 --> 0:17:02.800
<v Speaker 3>know what, during naptime when your kids are a sleep,

0:17:02.880 --> 0:17:04.879
<v Speaker 3>come in and I'll help you budget. I'll show you

0:17:04.920 --> 0:17:07.960
<v Speaker 3>how to save because I recognize that, like, it's not

0:17:08.280 --> 0:17:12.040
<v Speaker 3>just if you're wanting to change a student's life. It

0:17:12.080 --> 0:17:14.359
<v Speaker 3>can't just happen in the classrooms. They have a bigger

0:17:14.400 --> 0:17:17.520
<v Speaker 3>life beyond that. And I just love that Lebron and

0:17:17.680 --> 0:17:20.399
<v Speaker 3>whoever has been helping him understands that in order to

0:17:20.440 --> 0:17:23.320
<v Speaker 3>really help the child, you have to help the whole family.

0:17:23.359 --> 0:17:24.639
<v Speaker 3>And I just love that they have all of this

0:17:24.720 --> 0:17:27.000
<v Speaker 3>stuff for like kids and the family. I think this

0:17:27.040 --> 0:17:29.280
<v Speaker 3>is amazing, you know, I.

0:17:29.280 --> 0:17:31.159
<v Speaker 2>Mean, is it a public school or a private? Like,

0:17:31.160 --> 0:17:33.320
<v Speaker 2>how do you get into it?

0:17:33.320 --> 0:17:36.320
<v Speaker 3>It said it's an Agri based nonprofit school, So I

0:17:36.359 --> 0:17:37.520
<v Speaker 3>don't know what that means.

0:17:37.640 --> 0:17:39.920
<v Speaker 1>I've heard different projects apply.

0:17:40.880 --> 0:17:44.040
<v Speaker 3>Yes, and it's the thing is he's partnered with public schools,

0:17:44.040 --> 0:17:46.480
<v Speaker 3>So I don't know exactly what kind of school it is,

0:17:46.480 --> 0:17:49.320
<v Speaker 3>you know what I mean, Like, I don't know, yeah,

0:17:49.359 --> 0:17:51.879
<v Speaker 3>but yeah, I believe. So what he's specifically looking to

0:17:51.920 --> 0:17:56.359
<v Speaker 3>do is boosting achievement for younger students from disadvantaged background.

0:17:56.440 --> 0:17:58.160
<v Speaker 3>So this is not one of those school who they're

0:17:58.160 --> 0:17:59.720
<v Speaker 3>trying to skim the cream of the crop, like the

0:17:59.800 --> 0:18:01.000
<v Speaker 3>kids that they are already killing it.

0:18:01.119 --> 0:18:03.320
<v Speaker 1>They're literally looking for kids that are struggling and saying,

0:18:03.359 --> 0:18:05.840
<v Speaker 1>you come here, maybe I'll move my kids to What

0:18:05.880 --> 0:18:06.440
<v Speaker 1>about you?

0:18:07.880 --> 0:18:10.879
<v Speaker 2>Oh you know, I'm fine, what about me? So I

0:18:11.960 --> 0:18:14.000
<v Speaker 2>have to do a boost for I don't think i've

0:18:14.000 --> 0:18:17.240
<v Speaker 2>done this boost before of this specific So one of

0:18:17.240 --> 0:18:18.840
<v Speaker 2>the things I've learned, Like I was talking a little

0:18:18.840 --> 0:18:21.760
<v Speaker 2>bit about my personality and how that's influenced my work environment,

0:18:22.320 --> 0:18:24.919
<v Speaker 2>and maybe I kind of buy into the squishiness of

0:18:24.920 --> 0:18:27.320
<v Speaker 2>like different work personalities a little too much, but I

0:18:27.320 --> 0:18:29.000
<v Speaker 2>don't care because I feel like this really is important

0:18:29.000 --> 0:18:31.960
<v Speaker 2>to understand. So if you ever work with people and

0:18:32.000 --> 0:18:34.120
<v Speaker 2>you just like don't feel like you speak their language,

0:18:34.280 --> 0:18:37.240
<v Speaker 2>or you're always having conflict, or you're on a conference

0:18:37.280 --> 0:18:39.120
<v Speaker 2>call and you just don't know why they won't shut

0:18:39.160 --> 0:18:41.080
<v Speaker 2>up and get to the point, or you're like, man,

0:18:41.200 --> 0:18:43.760
<v Speaker 2>why is this person talking to me? This could be

0:18:43.800 --> 0:18:46.800
<v Speaker 2>an email instead of a meeting, Like all those little

0:18:46.960 --> 0:18:50.399
<v Speaker 2>micro aggressions that happen, like not microaggression, but those little

0:18:50.480 --> 0:18:53.639
<v Speaker 2>small things at work that drive you absolutely bananas and

0:18:53.680 --> 0:18:56.640
<v Speaker 2>make you hate your job. I feel like if we understood,

0:18:57.040 --> 0:18:59.080
<v Speaker 2>if everyone had to do this disc training that we

0:18:59.200 --> 0:19:02.040
<v Speaker 2>have been doing that we do at my company and

0:19:02.080 --> 0:19:04.439
<v Speaker 2>I've done twice with my team, if everyone had to

0:19:04.440 --> 0:19:07.639
<v Speaker 2>do this disc training and learn exactly what kind of

0:19:07.680 --> 0:19:11.200
<v Speaker 2>personality profile the other people in their work organization have,

0:19:11.840 --> 0:19:13.520
<v Speaker 2>I feel like it would totally change the way we

0:19:13.560 --> 0:19:17.120
<v Speaker 2>work with each other. And I'll give you a quick example.

0:19:17.800 --> 0:19:20.520
<v Speaker 2>And I know that my managing editor listens to my

0:19:20.560 --> 0:19:22.440
<v Speaker 2>podcast and she's probably like, oh god, you're telling the

0:19:22.440 --> 0:19:26.320
<v Speaker 2>story to your podcast listeners. So my managing editor is

0:19:27.119 --> 0:19:29.919
<v Speaker 2>we're both like very goal oriented, very task driven, like

0:19:29.960 --> 0:19:32.520
<v Speaker 2>we just get shit done. I love that about her,

0:19:33.119 --> 0:19:35.399
<v Speaker 2>But I'm like, I get shited done in a quiet

0:19:35.400 --> 0:19:36.919
<v Speaker 2>way kind of person like I just want to be

0:19:37.040 --> 0:19:40.080
<v Speaker 2>turned around. Like just like at my computer, working really hard,

0:19:40.440 --> 0:19:42.399
<v Speaker 2>everything's in my I'm all in my head. You know,

0:19:42.440 --> 0:19:44.120
<v Speaker 2>I have my to do list and my task list,

0:19:44.359 --> 0:19:45.960
<v Speaker 2>and she's the kind of person who wants to get

0:19:45.960 --> 0:19:49.000
<v Speaker 2>shit done, but like talk about it. And when when

0:19:49.040 --> 0:19:51.760
<v Speaker 2>we first hired her about a year ago, you know,

0:19:51.800 --> 0:19:53.560
<v Speaker 2>in the morning, she would come in and she'd and

0:19:53.600 --> 0:19:55.919
<v Speaker 2>we kind of sit back to back and you know

0:19:55.960 --> 0:19:57.800
<v Speaker 2>we talk, you know, how to say hi, good morning, whatever.

0:19:57.840 --> 0:20:00.720
<v Speaker 2>And then throughout the day it would be like, oh, tell, hey,

0:20:00.800 --> 0:20:03.159
<v Speaker 2>you know doing this, but do you think da da

0:20:03.240 --> 0:20:04.879
<v Speaker 2>da da? And it had to be a whole conversation.

0:20:05.000 --> 0:20:07.520
<v Speaker 2>I would just be like, yes, mm hmmm, uh huh,

0:20:07.760 --> 0:20:09.679
<v Speaker 2>why are you like, you know what you you know

0:20:09.720 --> 0:20:11.320
<v Speaker 2>what you need to do? Just like do it? Why

0:20:11.320 --> 0:20:13.439
<v Speaker 2>do we have a conversation about it? And it was

0:20:13.560 --> 0:20:16.719
<v Speaker 2>I mean, it wasn't like this huge conflict, but it it.

0:20:16.800 --> 0:20:19.480
<v Speaker 2>We didn't we weren't like communicating properly. And then we

0:20:19.520 --> 0:20:22.920
<v Speaker 2>did this thing called the Disk Assessment d I s C.

0:20:23.600 --> 0:20:25.560
<v Speaker 2>And this I just was reading up on it. Actually

0:20:25.560 --> 0:20:28.880
<v Speaker 2>it's based on the work of the guy who invented

0:20:28.880 --> 0:20:32.080
<v Speaker 2>Wonder Woman. Isn't that And yeah, isn't that random? Some

0:20:32.280 --> 0:20:35.200
<v Speaker 2>William Marston I think his name was, So he was

0:20:35.240 --> 0:20:39.840
<v Speaker 2>actually He also developed the first polygraph test. So he

0:20:39.920 --> 0:20:41.600
<v Speaker 2>used to and you know how Wonder Woman has her

0:20:41.640 --> 0:20:44.240
<v Speaker 2>little like chain that she throws on people and if

0:20:44.240 --> 0:20:46.880
<v Speaker 2>it hits you, you tell the truth. Yeah, So that's

0:20:47.080 --> 0:20:49.760
<v Speaker 2>so he invented the Wonder Wonder Woman. And also his

0:20:50.520 --> 0:20:53.760
<v Speaker 2>psychology works were the foundation of DISC training, and DISC

0:20:53.880 --> 0:20:58.480
<v Speaker 2>is all about these four different characteristics of human behavior

0:20:58.520 --> 0:21:01.639
<v Speaker 2>and emotions. So the dcand for dominance, the I stands

0:21:01.640 --> 0:21:05.360
<v Speaker 2>for inducement, so how you get what you want? S

0:21:05.359 --> 0:21:09.439
<v Speaker 2>stands for submission, and C stands for compliance, and the

0:21:09.480 --> 0:21:12.439
<v Speaker 2>DISC training kind of you answer. It's very short. I

0:21:12.520 --> 0:21:14.080
<v Speaker 2>like it a lot better than like, I don't know

0:21:14.119 --> 0:21:15.320
<v Speaker 2>if you ever done Myers Briggs.

0:21:15.920 --> 0:21:17.920
<v Speaker 1>Yeah, and I haven't, but I heard how long that takes.

0:21:18.000 --> 0:21:21.120
<v Speaker 2>Yeah, that's like the one that's the personality test people

0:21:21.119 --> 0:21:23.440
<v Speaker 2>I've been doing for decades. It feels like so it's

0:21:23.440 --> 0:21:26.480
<v Speaker 2>a million questions, it's kind of convoluted. DISC is like

0:21:26.520 --> 0:21:29.840
<v Speaker 2>something maybe twenty something questions. It's super short, and you

0:21:29.920 --> 0:21:32.720
<v Speaker 2>basically get you learn where you're at on a spectrum

0:21:32.720 --> 0:21:35.600
<v Speaker 2>for each of these letters. So I'm super super high

0:21:35.640 --> 0:21:38.400
<v Speaker 2>D and D is like you have a you dominate,

0:21:38.480 --> 0:21:41.399
<v Speaker 2>you control your task driven, you're a risk taker, you know,

0:21:41.440 --> 0:21:44.160
<v Speaker 2>you get shit done. And on the other side, that's

0:21:44.160 --> 0:21:46.600
<v Speaker 2>a C. I'm super high on the C side, and

0:21:46.640 --> 0:21:50.919
<v Speaker 2>that is conscientiousness. So it means that I'm very like

0:21:50.960 --> 0:21:53.280
<v Speaker 2>processed driven. I want to think things through, I want

0:21:53.280 --> 0:21:54.800
<v Speaker 2>to get things right. I want to do my research,

0:21:54.840 --> 0:21:56.920
<v Speaker 2>do my homework, and that's what I use to execute

0:21:56.920 --> 0:21:59.600
<v Speaker 2>my the D side of myself. So where I lack

0:22:00.040 --> 0:22:02.439
<v Speaker 2>and where it's funny, the eye in the C, the

0:22:02.480 --> 0:22:05.160
<v Speaker 2>I in the S. In the middle I is basically

0:22:05.280 --> 0:22:10.439
<v Speaker 2>like my interacting with other people, my social aspect, you know, uh,

0:22:10.840 --> 0:22:12.600
<v Speaker 2>being the first one to talk to people in the morning,

0:22:12.640 --> 0:22:15.000
<v Speaker 2>like forming human relationships. So I am like rock bottom

0:22:15.000 --> 0:22:18.560
<v Speaker 2>on that level. And then the the S is the

0:22:18.600 --> 0:22:21.680
<v Speaker 2>service driven. So that's like wanting to help people, wanting

0:22:21.720 --> 0:22:25.560
<v Speaker 2>to be supportive, you know, kind of being I don't

0:22:25.560 --> 0:22:28.080
<v Speaker 2>know if selfless is the right word. And I'm obviously

0:22:28.119 --> 0:22:30.840
<v Speaker 2>not trained to do disc training, so people who were

0:22:30.840 --> 0:22:32.520
<v Speaker 2>trained to do a way better job of explaining it.

0:22:33.000 --> 0:22:35.720
<v Speaker 2>But I'm I'm a I'm a get shit done in

0:22:35.760 --> 0:22:38.240
<v Speaker 2>a quiet way kind of person and like I'm really

0:22:38.280 --> 0:22:39.919
<v Speaker 2>low on the I in the S. And what I

0:22:39.960 --> 0:22:42.639
<v Speaker 2>found is that my managing editor is high also in

0:22:42.680 --> 0:22:45.240
<v Speaker 2>the d like they get shit done level, but really

0:22:45.320 --> 0:22:47.480
<v Speaker 2>high on I. So she's like chatty, she.

0:22:47.400 --> 0:22:49.400
<v Speaker 1>Wants to talk things through, okay.

0:22:49.520 --> 0:22:51.280
<v Speaker 2>And that was when we when we got our trainings,

0:22:51.320 --> 0:22:54.400
<v Speaker 2>we were like, oh, so that's how we're different. And

0:22:54.760 --> 0:22:56.879
<v Speaker 2>it's not like either one of us is wrong, but

0:22:56.920 --> 0:22:59.160
<v Speaker 2>we were not community. Like we needed like I needed

0:22:59.160 --> 0:23:01.119
<v Speaker 2>to come down to her level a little bit, not

0:23:01.200 --> 0:23:03.320
<v Speaker 2>down to her level that sounds bad, but meet her

0:23:03.359 --> 0:23:05.159
<v Speaker 2>in the middle, and she needed to like meet me

0:23:05.240 --> 0:23:07.440
<v Speaker 2>in the middle. And it's something that I think we've

0:23:07.520 --> 0:23:10.440
<v Speaker 2>both we both walked away from, like learning how to

0:23:10.480 --> 0:23:13.240
<v Speaker 2>communicate a little bit better with each other. You know. Now,

0:23:13.280 --> 0:23:15.320
<v Speaker 2>I know you know my my managing editor, and I

0:23:15.440 --> 0:23:17.480
<v Speaker 2>just keep calling her out, and I'm sure she's like

0:23:17.560 --> 0:23:21.119
<v Speaker 2>rolling her eyes right now, but I know my you know,

0:23:21.400 --> 0:23:25.040
<v Speaker 2>I have even though it takes effort, and I don't

0:23:25.080 --> 0:23:26.720
<v Speaker 2>like to be fake. I don't like to I like

0:23:26.760 --> 0:23:28.679
<v Speaker 2>to be genuine. And even though I have to like

0:23:28.760 --> 0:23:32.240
<v Speaker 2>physically remind myself, okay, if we need to have a

0:23:32.280 --> 0:23:36.280
<v Speaker 2>five minute conversation about you know whatever before we get

0:23:36.280 --> 0:23:39.000
<v Speaker 2>to the real point of this conversation, it's Okay, it's

0:23:39.000 --> 0:23:41.439
<v Speaker 2>a small thing. It's a small price to pay for

0:23:41.480 --> 0:23:43.359
<v Speaker 2>me not making her feel like shit, you know, to

0:23:43.400 --> 0:23:49.439
<v Speaker 2>make her feel good about that interaction. So I'm just right. Yeah.

0:23:49.480 --> 0:23:50.879
<v Speaker 3>And it's funny when you meet somebody who's like so,

0:23:51.000 --> 0:23:54.000
<v Speaker 3>cause I'm thinking of like my CFO Rachel, Yo. She

0:23:54.080 --> 0:23:56.119
<v Speaker 3>and I are both like chatterboxes, so we do a

0:23:56.240 --> 0:24:00.520
<v Speaker 3>lot of like yeah, girl, And so when I to, like,

0:24:00.640 --> 0:24:02.159
<v Speaker 3>let Logan, I'm not sure if you listen, but I

0:24:02.200 --> 0:24:03.800
<v Speaker 3>speak to Logan, I can tell Logan being like what

0:24:03.840 --> 0:24:04.800
<v Speaker 3>is Tiffy talking about?

0:24:05.080 --> 0:24:07.359
<v Speaker 1>Because like I'm the type then like, so, how was

0:24:07.400 --> 0:24:09.360
<v Speaker 1>your weekend? And it and look it's like okay, everything's good.

0:24:09.520 --> 0:24:13.280
<v Speaker 3>So we need and I realizing, like but Rachel and

0:24:13.280 --> 0:24:15.840
<v Speaker 3>I might spend a good twenty thirty minutes.

0:24:17.160 --> 0:24:19.640
<v Speaker 2>Oh I know you're an is I can just already

0:24:19.640 --> 0:24:20.680
<v Speaker 2>tell yeah.

0:24:20.680 --> 0:24:23.000
<v Speaker 1>But it's so I mean, but it's such a pleasure.

0:24:23.000 --> 0:24:24.280
<v Speaker 3>I mean, not that it's not a pleasure to speak

0:24:24.320 --> 0:24:26.159
<v Speaker 3>to like anyone else on our team, it is, but

0:24:26.200 --> 0:24:27.919
<v Speaker 3>it's like it's I could tell that we are so

0:24:28.600 --> 0:24:31.080
<v Speaker 3>much alike in that way, but literally, like you know,

0:24:31.160 --> 0:24:33.880
<v Speaker 3>Rachel wants all of our financial thing and she kills it.

0:24:33.920 --> 0:24:34.560
<v Speaker 1>But one of the.

0:24:34.520 --> 0:24:38.040
<v Speaker 3>Reasons why to me it works so well is because

0:24:38.119 --> 0:24:40.280
<v Speaker 3>she's so in alignment with the way I like to communicate.

0:24:40.480 --> 0:24:43.960
<v Speaker 3>So even as we're having like normal conversation, she's pulling

0:24:44.000 --> 0:24:47.320
<v Speaker 3>what she needs for the financial team, you know, And

0:24:47.400 --> 0:24:49.280
<v Speaker 3>so yeah, I just think that that, Yeah, oh I

0:24:49.280 --> 0:24:50.040
<v Speaker 3>can't wait to take it.

0:24:50.040 --> 0:24:53.360
<v Speaker 1>That's excited. I actually sent myself a little note to remember.

0:24:53.640 --> 0:24:55.560
<v Speaker 2>I love it. I'm a fan. And you know what's

0:24:55.560 --> 0:24:57.479
<v Speaker 2>really cool is and this is the last thing I'll

0:24:57.480 --> 0:24:58.920
<v Speaker 2>say about it, because I keep going on on and

0:24:58.960 --> 0:25:02.720
<v Speaker 2>they're not paying me. Don't worry that. My my HR

0:25:02.800 --> 0:25:05.159
<v Speaker 2>coordinator because like we had three new or three or

0:25:05.160 --> 0:25:08.400
<v Speaker 2>four new hires like this time in February, like six

0:25:08.440 --> 0:25:11.119
<v Speaker 2>months ago or eight months ago. God, it's already August.

0:25:12.400 --> 0:25:15.880
<v Speaker 2>And they took the disc assessment soon after they started,

0:25:16.200 --> 0:25:17.919
<v Speaker 2>and they were all kind of like, I don't know

0:25:17.960 --> 0:25:20.040
<v Speaker 2>if I really agree with my results. It feels kind

0:25:20.040 --> 0:25:23.119
<v Speaker 2>of weird. And disc is really meant to like judge

0:25:23.119 --> 0:25:25.720
<v Speaker 2>your your personality, but also like how you interact in

0:25:25.760 --> 0:25:29.680
<v Speaker 2>your work environment. And our HR person said that it's

0:25:29.840 --> 0:25:32.480
<v Speaker 2>important like if you let yourself settle into a job,

0:25:32.520 --> 0:25:35.160
<v Speaker 2>So if you're brand new, your personality may change because

0:25:35.200 --> 0:25:37.040
<v Speaker 2>in the beginning, you're like not really sure of yourself,

0:25:37.040 --> 0:25:38.760
<v Speaker 2>you don't know what you're doing. You're getting to know

0:25:38.840 --> 0:25:41.600
<v Speaker 2>your colleagues. Your personality maybe a little bit different then

0:25:41.800 --> 0:25:43.880
<v Speaker 2>at the beginning than it would be like six months

0:25:43.920 --> 0:25:49.880
<v Speaker 2>later or twelve months later. So keep that in mind. Definitely. Okay,

0:25:50.840 --> 0:25:53.919
<v Speaker 2>thank you. Then this is your benefits lesson.

0:25:53.960 --> 0:26:10.360
<v Speaker 4>From now.

0:26:10.400 --> 0:26:14.439
<v Speaker 1>It time for questions.

0:26:14.720 --> 0:26:16.240
<v Speaker 3>I love the questions because you guys thought with that's

0:26:16.240 --> 0:26:19.160
<v Speaker 3>really great questions. I have my mind like wait, okay, wait, okay, wait,

0:26:19.720 --> 0:26:22.400
<v Speaker 3>so what okay, wait, questions do we have this week?

0:26:22.640 --> 0:26:24.480
<v Speaker 2>I was just giving that we have, like we have

0:26:24.520 --> 0:26:26.040
<v Speaker 2>at least a dozen, but we'll just do a few.

0:26:26.040 --> 0:26:27.600
<v Speaker 2>But I was it was funny because we've got so

0:26:27.600 --> 0:26:30.560
<v Speaker 2>many anonymous ones this time, and I was like, ooh, we're.

0:26:30.440 --> 0:26:33.840
<v Speaker 1>Getting to the right Ooh, y'all want to know.

0:26:34.000 --> 0:26:36.879
<v Speaker 2>Okay, yeah, okay, so let's see which one do I

0:26:36.920 --> 0:26:38.720
<v Speaker 2>want to read first? Let me let me read this.

0:26:38.760 --> 0:26:42.960
<v Speaker 2>So this person wants to remain anonymous. She says, I

0:26:43.040 --> 0:26:45.679
<v Speaker 2>have not checked my credit in three years. I know,

0:26:45.800 --> 0:26:48.080
<v Speaker 2>I know, I know, it's just I'm always concerned about

0:26:48.160 --> 0:26:51.000
<v Speaker 2>entering my Social Security number and other identifying information on

0:26:51.040 --> 0:26:54.000
<v Speaker 2>the internet, especially with all the data breaches that have occurred.

0:26:54.320 --> 0:26:57.119
<v Speaker 2>Can you please recommend a good way and or company

0:26:57.119 --> 0:26:58.720
<v Speaker 2>that I can trust to check my credit and get

0:26:58.760 --> 0:27:01.720
<v Speaker 2>an accurate report. Also, I've heard I should check my

0:27:01.760 --> 0:27:03.879
<v Speaker 2>credit every year, but it's that just a myth or

0:27:03.920 --> 0:27:06.639
<v Speaker 2>completely true. Thank you for your help. I've got my

0:27:06.680 --> 0:27:08.600
<v Speaker 2>mother hooks on your podcast as well.

0:27:09.359 --> 0:27:12.639
<v Speaker 1>Let's right, let's call her Betty because I like for Betty.

0:27:13.600 --> 0:27:18.399
<v Speaker 3>Okay, So one of my suggestions would be I actually like, like,

0:27:18.440 --> 0:27:20.720
<v Speaker 3>if you're wanting like your true, true, true, true credit score,

0:27:20.720 --> 0:27:22.960
<v Speaker 3>you can and you're nervous, you can literally go to

0:27:22.960 --> 0:27:26.200
<v Speaker 3>your bank and be like, hey, like you know they could,

0:27:26.200 --> 0:27:29.000
<v Speaker 3>they could do a credit pull for you. But know

0:27:29.160 --> 0:27:31.560
<v Speaker 3>that if they do it, then it's going to be

0:27:31.600 --> 0:27:33.800
<v Speaker 3>a hard inquiry because I've done that before, like when

0:27:33.840 --> 0:27:35.560
<v Speaker 3>I was looking for like a mortgage whatever. I've just

0:27:35.600 --> 0:27:38.359
<v Speaker 3>gone to the bank to get like my like full

0:27:38.400 --> 0:27:42.199
<v Speaker 3>out credit score. But you know, I don't know, Like

0:27:42.240 --> 0:27:45.280
<v Speaker 3>there's a bunch of like credit reporting agencies, but my favorite,

0:27:45.720 --> 0:27:48.520
<v Speaker 3>like we'll not credit reporting agencies, but my favorite free

0:27:48.520 --> 0:27:50.720
<v Speaker 3>one that I have found to be the most accurate

0:27:50.760 --> 0:27:54.280
<v Speaker 3>that that's actually your Francal score is Discover has one.

0:27:54.320 --> 0:27:55.760
<v Speaker 3>You don't have to have Discover Card because I don't

0:27:55.760 --> 0:27:57.320
<v Speaker 3>have a Discover card. I know they're not paying me,

0:27:57.640 --> 0:28:00.840
<v Speaker 3>not yet though. But if you go to a credit

0:28:00.960 --> 0:28:03.720
<v Speaker 3>scorecard dot Com and you don't have to put in

0:28:03.720 --> 0:28:05.600
<v Speaker 3>your full social I think just the last four day

0:28:05.680 --> 0:28:07.480
<v Speaker 3>just because they have to identify it to you obviously.

0:28:07.800 --> 0:28:10.760
<v Speaker 3>But credit scorecard dot Com, I actually like them, and

0:28:10.920 --> 0:28:13.560
<v Speaker 3>when I got my I use all of them. I

0:28:13.600 --> 0:28:15.800
<v Speaker 3>try them all. And when I went to the bank

0:28:16.000 --> 0:28:19.000
<v Speaker 3>to get with the bank pulled Credit scorecard dot Com

0:28:19.560 --> 0:28:21.520
<v Speaker 3>from Discover was the exact same one that the bank

0:28:21.560 --> 0:28:24.000
<v Speaker 3>gave me, So I was like, whoa, And that's never

0:28:24.040 --> 0:28:26.040
<v Speaker 3>happened before with the other one. So that's that's the

0:28:26.040 --> 0:28:28.200
<v Speaker 3>one that I Those are my two suggestions.

0:28:28.480 --> 0:28:30.440
<v Speaker 2>I'm glad that you said that I love Discover Scorecard.

0:28:30.440 --> 0:28:32.640
<v Speaker 2>We actually point people to Discover Scorecard all the time

0:28:32.680 --> 0:28:36.000
<v Speaker 2>at Magnify Money. It's a great tool and there's a

0:28:36.040 --> 0:28:38.240
<v Speaker 2>lot of way I mean, I know you're scared about

0:28:38.440 --> 0:28:41.920
<v Speaker 2>data breaches. Now I'm not going to pretend like they're

0:28:41.960 --> 0:28:45.320
<v Speaker 2>never going to happen, but by not checking your credit report.

0:28:45.400 --> 0:28:47.120
<v Speaker 2>How are you going to know that you've been breached? Like,

0:28:47.120 --> 0:28:49.320
<v Speaker 2>how are you going to even be aware that something's

0:28:49.640 --> 0:28:52.400
<v Speaker 2>happen there's errors on your report or someone stolen your

0:28:52.440 --> 0:28:54.720
<v Speaker 2>credit if you're not actually staying on top of it.

0:28:55.080 --> 0:28:57.280
<v Speaker 2>So I really recommend you start checking your credit and

0:28:57.280 --> 0:28:59.400
<v Speaker 2>you don't have to do you know, back in the day,

0:28:59.440 --> 0:29:01.040
<v Speaker 2>you used to have to go to all three credit

0:29:01.040 --> 0:29:03.880
<v Speaker 2>rebureaus or go to Annual Credit Report dot com and

0:29:03.960 --> 0:29:06.520
<v Speaker 2>download your report for free once a year. But now

0:29:06.520 --> 0:29:08.480
<v Speaker 2>you don't even have to do you know, those extra

0:29:08.520 --> 0:29:11.719
<v Speaker 2>steps you can sign up for. You know, my company,

0:29:11.800 --> 0:29:14.600
<v Speaker 2>lending Tree has a platform called my lending Tree. They

0:29:14.640 --> 0:29:17.040
<v Speaker 2>actually pull in all your credit accounts in one place

0:29:17.040 --> 0:29:19.800
<v Speaker 2>so you can look at it. There's credit Karma, there's

0:29:19.880 --> 0:29:23.600
<v Speaker 2>credit dot Com. There's all these different tools out there

0:29:23.680 --> 0:29:25.880
<v Speaker 2>that make it very simple for you to monitor your

0:29:25.880 --> 0:29:29.400
<v Speaker 2>credit in a free, simple way, and they can alert you,

0:29:29.480 --> 0:29:32.040
<v Speaker 2>for example, if a new credit card was opened on

0:29:32.080 --> 0:29:34.040
<v Speaker 2>your account, and you can be like, oh, yeah, that's that.

0:29:34.200 --> 0:29:37.160
<v Speaker 2>You know, that's the personal loan that I took out

0:29:37.360 --> 0:29:40.080
<v Speaker 2>last month, or oh shit, someone opened to Macy's card.

0:29:40.320 --> 0:29:43.880
<v Speaker 2>I need to immediately report this dispute this era error

0:29:44.200 --> 0:29:47.200
<v Speaker 2>to the credit bureaus. I know, through the my lending

0:29:47.200 --> 0:29:50.040
<v Speaker 2>Tree app, you can like immediately dispute an error with

0:29:50.120 --> 0:29:51.840
<v Speaker 2>TransUnion right through the app and there just go to

0:29:51.840 --> 0:29:54.080
<v Speaker 2>the website and do it. So there's so many new

0:29:54.120 --> 0:29:56.560
<v Speaker 2>it's a whole new world. There's all these really easy tools.

0:29:56.960 --> 0:29:59.400
<v Speaker 2>But just be clear on like what's a credit report

0:29:59.400 --> 0:30:01.520
<v Speaker 2>and what's a credit score, because I think you're going

0:30:01.560 --> 0:30:04.200
<v Speaker 2>back and forth. So like the I think Tiffany does

0:30:04.240 --> 0:30:06.960
<v Speaker 2>my favorite description of what a credit score report is

0:30:06.960 --> 0:30:08.120
<v Speaker 2>you do like the GP A thing?

0:30:08.640 --> 0:30:14.880
<v Speaker 3>Yeah, okay, okay, oh got it?

0:30:15.880 --> 0:30:16.960
<v Speaker 2>We are too much.

0:30:17.600 --> 0:30:21.960
<v Speaker 1>So your credit score. What I say that your credit

0:30:22.040 --> 0:30:25.560
<v Speaker 1>score is that it's your financial GPA, and it basically

0:30:25.920 --> 0:30:27.640
<v Speaker 1>if look at you, like, yo.

0:30:27.720 --> 0:30:34.000
<v Speaker 2>What how do I say, I'm like, sorry, you got this?

0:30:34.600 --> 0:30:37.120
<v Speaker 3>Yeah, So it's like your it's basically it's your financial GPA,

0:30:37.240 --> 0:30:40.120
<v Speaker 3>so all of your your choices that you've made over time,

0:30:40.400 --> 0:30:43.920
<v Speaker 3>but especially the emphasis is really on the last two

0:30:43.960 --> 0:30:47.120
<v Speaker 3>years of your financial choices, of your financial.

0:30:46.720 --> 0:30:49.440
<v Speaker 1>Choices as it relates to borrowing and paying back money.

0:30:49.760 --> 0:30:51.360
<v Speaker 1>So that's what you're you're really going to see.

0:30:51.360 --> 0:30:55.480
<v Speaker 3>Your score is going to report that and your credit report,

0:30:55.760 --> 0:30:57.440
<v Speaker 3>it's like your transcript and that.

0:30:57.680 --> 0:31:00.520
<v Speaker 1>It really goes deep into like well.

0:31:00.120 --> 0:31:02.360
<v Speaker 3>On this you were thirty days late here, ninety days

0:31:02.440 --> 0:31:04.800
<v Speaker 3>late here on time here, So it really breaks it down.

0:31:04.800 --> 0:31:06.760
<v Speaker 3>So just remember how it was in school. So people

0:31:06.880 --> 0:31:09.160
<v Speaker 3>ask all the time. They ask me and Mandy, you know,

0:31:09.280 --> 0:31:11.280
<v Speaker 3>like if I were to do this one thing, will

0:31:11.280 --> 0:31:13.800
<v Speaker 3>my credit score jump ten points one hundred points? And

0:31:14.040 --> 0:31:16.040
<v Speaker 3>there's no way for Mandy and I to know because

0:31:16.560 --> 0:31:18.959
<v Speaker 3>if your GPA, that's like asking, you know, if I

0:31:19.000 --> 0:31:22.240
<v Speaker 3>get an A in Spanish senior year, will my overall

0:31:22.320 --> 0:31:23.400
<v Speaker 3>GPA go up?

0:31:23.520 --> 0:31:26.640
<v Speaker 1>And it might be depending on the.

0:31:26.480 --> 0:31:29.520
<v Speaker 3>Other grades you previously got, because really your credit score,

0:31:29.600 --> 0:31:32.800
<v Speaker 3>like a GPA is, is an it has to take

0:31:32.840 --> 0:31:35.080
<v Speaker 3>into account all of your grades. Like I said, with

0:31:35.120 --> 0:31:36.720
<v Speaker 3>your credit score is really the last two years that

0:31:36.760 --> 0:31:38.720
<v Speaker 3>they have the most focus on. So there's no way

0:31:38.760 --> 0:31:40.840
<v Speaker 3>to know what one thing is going to do. The

0:31:40.840 --> 0:31:43.880
<v Speaker 3>more grades you have, meaning the more good or bad

0:31:43.920 --> 0:31:46.200
<v Speaker 3>marks you have in your credit score credit report, the

0:31:46.320 --> 0:31:48.760
<v Speaker 3>less one thing is going to make a difference. So

0:31:49.040 --> 0:31:51.480
<v Speaker 3>like my husband, when I met him, his credit score

0:31:51.560 --> 0:31:53.880
<v Speaker 3>wasn't the gradest. It was like a five thirty or

0:31:53.920 --> 0:31:56.680
<v Speaker 3>something like that or six something, and but he only

0:31:56.720 --> 0:31:58.960
<v Speaker 3>had just a handful of things on his credit report.

0:31:59.280 --> 0:32:02.560
<v Speaker 1>So he did like two or three really good things.

0:32:02.320 --> 0:32:04.960
<v Speaker 3>And it immediately raised his credit score over one hundred

0:32:05.000 --> 0:32:08.520
<v Speaker 3>points because he didn't have many grades to factor into

0:32:08.520 --> 0:32:12.000
<v Speaker 3>his GPA. Now, if you've got thirty different grades, then

0:32:12.120 --> 0:32:14.360
<v Speaker 3>one good thing is not going.

0:32:14.200 --> 0:32:15.720
<v Speaker 1>To offset all of the other grades.

0:32:15.760 --> 0:32:18.360
<v Speaker 3>You're gonna have to do multiple good things by paying

0:32:18.400 --> 0:32:21.320
<v Speaker 3>down your credit card every month, paying it off in full,

0:32:22.080 --> 0:32:24.400
<v Speaker 3>making good choices, being on time with your with your

0:32:25.040 --> 0:32:26.720
<v Speaker 3>with your the people that you owe.

0:32:26.920 --> 0:32:28.640
<v Speaker 1>You're gonna have to do multiple things in order to

0:32:28.640 --> 0:32:29.240
<v Speaker 1>make an effect.

0:32:29.360 --> 0:32:32.160
<v Speaker 2>So and cleaning up your credit by paying attention to

0:32:32.200 --> 0:32:34.840
<v Speaker 2>your credit report will it will help. So if you

0:32:34.880 --> 0:32:37.360
<v Speaker 2>spot errors, I had no idea when I moved to

0:32:37.360 --> 0:32:39.600
<v Speaker 2>New York City that there was a fraudulent credit card

0:32:39.600 --> 0:32:41.960
<v Speaker 2>opened under my name and I got denied for an

0:32:42.000 --> 0:32:43.840
<v Speaker 2>apartment and I never knew because I never checked my

0:32:43.880 --> 0:32:46.320
<v Speaker 2>credit and it was dragging my score, it was dragging

0:32:46.360 --> 0:32:48.280
<v Speaker 2>everything down. So check it, check it. Check It is

0:32:48.320 --> 0:32:50.640
<v Speaker 2>so easy. And I'll post links to all the tools

0:32:50.640 --> 0:32:53.600
<v Speaker 2>we talked about on our site and in the in

0:32:53.640 --> 0:32:56.320
<v Speaker 2>the show notes for this episode, so thank you for

0:32:56.360 --> 0:32:59.520
<v Speaker 2>that question. Don't be afraid, I mean, data breaches happen,

0:33:00.400 --> 0:33:02.640
<v Speaker 2>and I'll send a link to about some ways that

0:33:02.680 --> 0:33:06.080
<v Speaker 2>you can react if your credit score is stolen. At

0:33:06.080 --> 0:33:07.960
<v Speaker 2>this point, I'm kind of operating in a world where

0:33:08.000 --> 0:33:11.520
<v Speaker 2>it's going to happen. Just be prepared to act, you know,

0:33:12.040 --> 0:33:15.200
<v Speaker 2>if your data is stolen. So okay, thank you. So

0:33:15.240 --> 0:33:18.800
<v Speaker 2>another anonymous question, This person says, I have a thousand

0:33:18.840 --> 0:33:22.280
<v Speaker 2>questions about getting my money together, but here's one. I've

0:33:22.360 --> 0:33:25.840
<v Speaker 2>finally all caps paid off my secured Capital one credit card,

0:33:25.880 --> 0:33:28.440
<v Speaker 2>which had a very high APR. It's the only credit

0:33:28.520 --> 0:33:31.280
<v Speaker 2>card I've had since I filed bankruptcy back in twenty twelve.

0:33:31.720 --> 0:33:33.640
<v Speaker 2>This is not a card that has any benefits at all,

0:33:33.680 --> 0:33:36.760
<v Speaker 2>no balance transfers or anything. And I still don't qualify

0:33:37.320 --> 0:33:39.920
<v Speaker 2>for a traditional credit card because my credit score is

0:33:39.960 --> 0:33:43.720
<v Speaker 2>not strong enough currently it's a five sixty eight. Now

0:33:43.720 --> 0:33:45.880
<v Speaker 2>that I pay this card off, I'm sure my card

0:33:46.120 --> 0:33:50.080
<v Speaker 2>my credit score will start to increase. Should I close

0:33:50.120 --> 0:33:52.360
<v Speaker 2>the card down or keep it open so I have

0:33:52.520 --> 0:33:56.240
<v Speaker 2>revolving credit available. She says, I've finally been approved for

0:33:56.280 --> 0:34:00.880
<v Speaker 2>a personal loan from one main financial to consolidate some debt.

0:34:01.080 --> 0:34:03.600
<v Speaker 2>The loan is worth six thousand dollars at a very

0:34:03.680 --> 0:34:05.520
<v Speaker 2>high APR. So this is kind of like two questions.

0:34:05.520 --> 0:34:08.600
<v Speaker 2>So she has a secured credit card, and now she's

0:34:08.600 --> 0:34:10.640
<v Speaker 2>come back and said that she must have other debt

0:34:10.680 --> 0:34:13.960
<v Speaker 2>that she's trying to consolidate. So she says, I've finally

0:34:14.040 --> 0:34:17.279
<v Speaker 2>been approved for a personal loan from one main financial

0:34:17.320 --> 0:34:20.359
<v Speaker 2>to consolidate debt. The loan is six thousand dollars at

0:34:20.360 --> 0:34:24.040
<v Speaker 2>a very high twenty nine percent EPR with monthly payments

0:34:24.080 --> 0:34:26.560
<v Speaker 2>of one hundred and sixty dollars for thirty six months.

0:34:27.000 --> 0:34:29.279
<v Speaker 2>The loan would be used to pay down a few

0:34:29.320 --> 0:34:32.640
<v Speaker 2>accounts and collections and helps to increase my credit score

0:34:32.760 --> 0:34:36.560
<v Speaker 2>by paying down some outstanding debt. What are your thoughts

0:34:36.560 --> 0:34:39.560
<v Speaker 2>on this? Would you accept this offer? So this is

0:34:39.800 --> 0:34:42.960
<v Speaker 2>a lot to unpack. She has filed bankruptcy, she took

0:34:42.960 --> 0:34:45.040
<v Speaker 2>out a secured card, but it sounds like she still

0:34:45.080 --> 0:34:48.400
<v Speaker 2>has some accounts and collections. I mean, that was six

0:34:48.520 --> 0:34:51.520
<v Speaker 2>years ago, so it's not unheard of that people who

0:34:51.600 --> 0:34:56.400
<v Speaker 2>file bankruptcy fall back into debt. It's very easy. But

0:34:56.560 --> 0:34:59.600
<v Speaker 2>now she has this personal loan through So have you

0:34:59.600 --> 0:35:00.800
<v Speaker 2>heard of One Main Financial.

0:35:01.400 --> 0:35:03.080
<v Speaker 1>No, I was gonna say, have you heard of it before?

0:35:03.200 --> 0:35:05.319
<v Speaker 2>I have. Yeah, We've done a review of One Main

0:35:05.440 --> 0:35:07.839
<v Speaker 2>Financial and Magnified Money. It's actually they have a lot

0:35:07.880 --> 0:35:10.719
<v Speaker 2>of storefronts across the country. They're actually a bank you

0:35:10.760 --> 0:35:13.720
<v Speaker 2>can walk into and personally get a person. You actually

0:35:13.760 --> 0:35:15.799
<v Speaker 2>have to walk into the bank, I'm pretty sure in

0:35:15.800 --> 0:35:18.120
<v Speaker 2>one of their branches to get a personal loan, and

0:35:18.160 --> 0:35:21.120
<v Speaker 2>they typically work with people in the subprime credit category.

0:35:21.280 --> 0:35:23.040
<v Speaker 2>So I mean, she says she has a five to

0:35:23.080 --> 0:35:25.800
<v Speaker 2>sixty eight credit score. It's very difficult to get qualified

0:35:25.800 --> 0:35:27.919
<v Speaker 2>for a personal loan when your score is under even

0:35:27.960 --> 0:35:32.680
<v Speaker 2>six p't eighty and One Main Financial while that APR

0:35:32.800 --> 0:35:35.239
<v Speaker 2>is high twenty nine percent, and they do charge in

0:35:35.280 --> 0:35:37.759
<v Speaker 2>a lot of cases some origination fees. It could be

0:35:37.840 --> 0:35:40.719
<v Speaker 2>so much worse. There are so many worse banks you

0:35:40.760 --> 0:35:43.800
<v Speaker 2>could work with. I feel, you know, One Main Financial

0:35:43.880 --> 0:35:46.200
<v Speaker 2>and of course I'm not a financial planner, not a

0:35:46.239 --> 0:35:50.359
<v Speaker 2>financial advisor, but you know, among the lenders that we've

0:35:50.360 --> 0:35:53.680
<v Speaker 2>reviewed who work with people with poor credit, there, I

0:35:53.719 --> 0:35:57.560
<v Speaker 2>would say one of the better ones. And at an

0:35:57.680 --> 0:35:59.919
<v Speaker 2>APR twenty nine percent, I've seen ones that have trip

0:36:00.200 --> 0:36:04.200
<v Speaker 2>digit aprs easily or they yes, or their origination fees

0:36:04.239 --> 0:36:06.439
<v Speaker 2>are so high that it kind of or they charge

0:36:06.440 --> 0:36:09.600
<v Speaker 2>these really high upfront fees that mirror that kind of

0:36:09.680 --> 0:36:12.680
<v Speaker 2>hide that they make up for, you know, they use

0:36:12.719 --> 0:36:15.040
<v Speaker 2>it to make up for maybe advertising a lower rate.

0:36:16.080 --> 0:36:19.160
<v Speaker 2>So it's good that you're looking at the rate your

0:36:19.160 --> 0:36:21.960
<v Speaker 2>monthly payments at one sixty for thirty six months. The

0:36:22.000 --> 0:36:24.399
<v Speaker 2>benefit there is that, Okay, you know exactly how much

0:36:24.400 --> 0:36:26.799
<v Speaker 2>you owe. It's never going to change because it's a

0:36:26.800 --> 0:36:31.000
<v Speaker 2>fixed loan. That's how personal loans work, and everything is

0:36:31.080 --> 0:36:33.879
<v Speaker 2>kind of upfront. What I would say is you're only

0:36:33.880 --> 0:36:35.759
<v Speaker 2>going to know if one main Financial is a good

0:36:35.760 --> 0:36:38.160
<v Speaker 2>deal if you also shop at a couple of other

0:36:38.239 --> 0:36:41.040
<v Speaker 2>lenders and see what they offer you. And if you do,

0:36:41.280 --> 0:36:44.239
<v Speaker 2>if you do your homework and you try to see

0:36:44.280 --> 0:36:47.360
<v Speaker 2>what other approvals you can get from other lenders, and

0:36:47.400 --> 0:36:50.440
<v Speaker 2>then you realize, Okay, this one main Financial offer actually

0:36:50.560 --> 0:36:53.760
<v Speaker 2>is the best I'm getting, or oh hey, this lender's

0:36:53.760 --> 0:36:56.560
<v Speaker 2>actually offering me with a much lower APR. Then you

0:36:56.719 --> 0:37:00.000
<v Speaker 2>that'll help you determine what the best option is for you.

0:37:00.960 --> 0:37:02.920
<v Speaker 2>One main Financial at twenty nine percent, I mean I

0:37:02.920 --> 0:37:06.440
<v Speaker 2>think they go up to like thirty six percent. Okay APR,

0:37:06.600 --> 0:37:08.640
<v Speaker 2>so it seems like that's a and especially for a

0:37:08.640 --> 0:37:13.000
<v Speaker 2>five sixty eight credit score. Okay, decent, But you have

0:37:13.080 --> 0:37:15.640
<v Speaker 2>to I would say, compare your options to other lenders.

0:37:16.160 --> 0:37:17.880
<v Speaker 2>Can you can go to lending tree dot com or

0:37:17.920 --> 0:37:20.920
<v Speaker 2>magnify money dot com. We each have tools where you

0:37:20.960 --> 0:37:26.840
<v Speaker 2>can possibly review offers from different lenders and do some shopping.

0:37:26.840 --> 0:37:29.719
<v Speaker 2>It takes some extra homework, but you know, there's only

0:37:29.760 --> 0:37:31.399
<v Speaker 2>one way to find out. It's not like I can

0:37:31.440 --> 0:37:33.600
<v Speaker 2>tell you, oh, you can go to this bank or

0:37:33.600 --> 0:37:35.719
<v Speaker 2>that bank, because I don't. You know, each bank has

0:37:35.719 --> 0:37:38.480
<v Speaker 2>her own criteria and you need to actually apply to

0:37:38.520 --> 0:37:39.600
<v Speaker 2>see what you're going to get.

0:37:40.719 --> 0:37:40.920
<v Speaker 1>You know.

0:37:41.000 --> 0:37:44.200
<v Speaker 3>And as far as the other card, honestly, I probably

0:37:44.239 --> 0:37:44.959
<v Speaker 3>wouldn't close.

0:37:45.000 --> 0:37:46.480
<v Speaker 1>I think she asked the question about she keep it

0:37:46.560 --> 0:37:47.840
<v Speaker 1>or close it. I probably wouldn't.

0:37:48.239 --> 0:37:50.880
<v Speaker 2>Yeah, close it. This is a secured card, yeah.

0:37:51.360 --> 0:37:54.719
<v Speaker 3>Yeah, so because you want to keep that. Your utilization,

0:37:55.239 --> 0:37:59.120
<v Speaker 3>So utilization is basically the difference between how much money

0:37:59.160 --> 0:38:03.279
<v Speaker 3>you could borrow from your credit cards by swiping and

0:38:03.360 --> 0:38:05.680
<v Speaker 3>using it versus how much you actually do borrow. So

0:38:06.120 --> 0:38:09.000
<v Speaker 3>if you're if you're maxed out, your utilization is one

0:38:09.080 --> 0:38:12.000
<v Speaker 3>hundred percent, which is really bad. You want utilization to

0:38:12.040 --> 0:38:14.680
<v Speaker 3>be at maximum, really thirty percent, meaning if you have

0:38:14.680 --> 0:38:17.160
<v Speaker 3>one hundred dollars limit, your balance is no more than

0:38:17.200 --> 0:38:19.880
<v Speaker 3>thirty dollars at a time. So I probably because I've

0:38:19.880 --> 0:38:21.560
<v Speaker 3>had cards like that where the interest rate is not

0:38:21.600 --> 0:38:23.040
<v Speaker 3>so great, but I've kept them.

0:38:23.080 --> 0:38:24.359
<v Speaker 1>Like I have a Bank of America card.

0:38:24.400 --> 0:38:27.400
<v Speaker 3>The interest rate is not in comparison to my other cards,

0:38:27.520 --> 0:38:29.839
<v Speaker 3>it's not so great, but it's a card that I've

0:38:29.920 --> 0:38:34.200
<v Speaker 3>had since like literally like my thirty year in college,

0:38:35.200 --> 0:38:40.040
<v Speaker 3>and the the limit is super high because I've had

0:38:40.080 --> 0:38:42.160
<v Speaker 3>it for so long, so I keep it to offset

0:38:42.719 --> 0:38:44.680
<v Speaker 3>any other card that I might use, So like it

0:38:44.760 --> 0:38:47.480
<v Speaker 3>keeps because utilization is the average of your cards, So

0:38:47.719 --> 0:38:49.279
<v Speaker 3>I would just keep it and kind of like hold

0:38:49.320 --> 0:38:49.680
<v Speaker 3>on to it.

0:38:49.719 --> 0:38:52.000
<v Speaker 1>And even what you could do, which actually has helped me.

0:38:52.080 --> 0:38:55.680
<v Speaker 3>Raise my credit card, is that one card you can

0:38:55.840 --> 0:38:57.920
<v Speaker 3>like I put Netflix on that card, that Bank of

0:38:57.920 --> 0:39:01.120
<v Speaker 3>America card, So every month next charges that car for

0:39:01.160 --> 0:39:02.839
<v Speaker 3>like eight bucks a month or whatever, and then I

0:39:02.880 --> 0:39:06.319
<v Speaker 3>have what my bank account paid off automatically every month.

0:39:06.320 --> 0:39:08.399
<v Speaker 3>So I have like this like loop that I don't

0:39:08.440 --> 0:39:10.319
<v Speaker 3>have to do anything with like charge the car paid

0:39:10.320 --> 0:39:12.640
<v Speaker 3>off automatically, So that way the card is used every

0:39:12.640 --> 0:39:14.560
<v Speaker 3>month and paid off every month in full, and then

0:39:14.560 --> 0:39:15.439
<v Speaker 3>I leave my card home.

0:39:15.520 --> 0:39:16.200
<v Speaker 1>That's what I would do.

0:39:17.080 --> 0:39:19.880
<v Speaker 2>That's smart. Yeah, and she's had it since twenty twelve,

0:39:20.400 --> 0:39:22.520
<v Speaker 2>well apparently, I don't know when she's high long she's

0:39:22.520 --> 0:39:24.520
<v Speaker 2>had it for. But if it's her only credit card, yeah,

0:39:24.520 --> 0:39:26.560
<v Speaker 2>I mean, if you get rid of that, then your

0:39:26.800 --> 0:39:28.760
<v Speaker 2>your average age of credit history is really gonna plumb,

0:39:28.800 --> 0:39:30.600
<v Speaker 2>which can impact her score.

0:39:31.640 --> 0:39:31.839
<v Speaker 1>Yeah.

0:39:31.880 --> 0:39:34.920
<v Speaker 2>I realized these questions were sent back to back on

0:39:34.960 --> 0:39:36.719
<v Speaker 2>the same day, so it's almost like when she really

0:39:36.760 --> 0:39:40.480
<v Speaker 2>said she had a thousand questions, she meant it and

0:39:40.640 --> 0:39:42.839
<v Speaker 2>real quick. Just another thought on the personal loan thing.

0:39:43.480 --> 0:39:48.040
<v Speaker 2>As you're comparing offers from lender, she's talking about consolidating

0:39:48.080 --> 0:39:51.759
<v Speaker 2>her debt, so also consider, Yes, the APR with this loan,

0:39:51.760 --> 0:39:54.439
<v Speaker 2>twenty nine percent sounds high. You know, there's actually store

0:39:54.480 --> 0:39:57.400
<v Speaker 2>credit cards that have aprs at high, so it's not outrageous,

0:39:57.440 --> 0:40:00.560
<v Speaker 2>but that's true. Yeah, But like, also can look at

0:40:00.560 --> 0:40:02.960
<v Speaker 2>the loans that you're going to be consolidating and if

0:40:03.000 --> 0:40:06.319
<v Speaker 2>they're if they have aprs that high or higher, think

0:40:06.320 --> 0:40:08.920
<v Speaker 2>about how much money you'll save by going with this

0:40:09.000 --> 0:40:12.800
<v Speaker 2>deck consolidation loan. I mean, hopefully it's something, and especially

0:40:12.840 --> 0:40:14.520
<v Speaker 2>if it can help you take those accounts out of

0:40:14.560 --> 0:40:19.160
<v Speaker 2>collections and you know, you know, consolidate, make your payments easier.

0:40:19.560 --> 0:40:22.440
<v Speaker 2>You know, maybe maybe it's maybe it's worth it. Just

0:40:22.440 --> 0:40:25.240
<v Speaker 2>just consider everything, not just the APR and the monthly

0:40:25.239 --> 0:40:26.320
<v Speaker 2>payment and all that jazz.

0:40:27.280 --> 0:40:31.600
<v Speaker 1>Yeah, So hope we answer two of your a thousand questions.

0:40:32.400 --> 0:40:35.120
<v Speaker 2>Good questions. Somebody lay us. You've got like three questions

0:40:35.160 --> 0:40:36.360
<v Speaker 2>in one there.

0:40:36.320 --> 0:40:39.440
<v Speaker 1>So you got that off. You got that off, all.

0:40:39.400 --> 0:40:42.080
<v Speaker 2>Right, Thank you so much, and everybody, you can email

0:40:42.160 --> 0:40:45.400
<v Speaker 2>us your questions at Brown Ambition Wait yeah, Brown Ambition

0:40:45.560 --> 0:40:49.600
<v Speaker 2>Podcasts at gmail dot com, or or hit us up

0:40:49.640 --> 0:40:52.880
<v Speaker 2>at brown Ambition podcast dot com. Ask us anything at

0:40:52.880 --> 0:40:56.960
<v Speaker 2>the top of the site.