Speaker 1: Hey, hey, hey, I thought I'd start off with a
Speaker 1: little sexy. Hey, it's me tipp Day by Daday's and
Speaker 1: this is Brown Ambition.
Speaker 2: Hey, Mandra, So you started sexy and how was that ending?
Speaker 1: What were we doing? Ended? Wild and crazy? Because you know,
Speaker 1: I can't say sexy long?
Speaker 2: How's it going? Happy Brand Ambition Wednesday?
Speaker 1: Yeah, I'm super excited because next week it's my birthday
Speaker 1: and I'm turning the big Bote. Isn't that crazy?
Speaker 2: I told you know, I had lunch with our Oh,
Speaker 2: I sorry, I had breakfast this morning with our buddy,
Speaker 2: Sharon Epperson from CNEC. You guys got to go back
Speaker 2: and listen to our episode with Sharon, our interview with her.
Speaker 2: She a few years ago had a break and aneurysm
Speaker 2: and bounced back and uh has so much. Has such
Speaker 2: an interesting story of how her brain aneurysm kind of
Speaker 2: changed the trajectory of her career at CNBC. Anyway, mentioned
Speaker 2: to sharing we were talking about you, of course, that
Speaker 2: you're returning the Big four to zero, and the first
Speaker 2: thing she said is God, I love Melanin like, because
Speaker 2: she was like, I would never guess that Tiffany was forty.
Speaker 1: I know, I'm not gonna lie. I would never guess
Speaker 1: that I'm forty either. It feels so old. But honestly
Speaker 1: I don't feel so you know, I guess that counts
Speaker 1: for something. Yeah, yeah, I'm actually excited about would you
Speaker 1: say forty is the new thirty, right? Yeah, Honestly, I
Speaker 1: feel I feel good because I I have to reflect on,
Speaker 1: like my life. I kind of feel like that the
Speaker 1: things that I sat out to accomplished as far as professionally,
Speaker 1: and the only things really that I'm like really working
Speaker 1: on moving forward is I feel like my personal life,
Speaker 1: like I want to build deeper relationships and I want
Speaker 1: to be a better person those kind of things like
Speaker 1: I I mean, of course I've got like world domination
Speaker 1: through the budget hay stuff, but I feel like that's
Speaker 1: going to happen either way. But really I really want
Speaker 1: to work on being a better person and work all
Speaker 1: that aspect of my life. That's my little reflective turning
Speaker 1: forty south.
Speaker 2: And just yeah, and don't forget to look. I mean,
Speaker 2: it's a nice time to reflect on all your accomplishments too.
Speaker 2: Mm hm, it's not necessarily I mean speaking, I don't know,
Speaker 2: I'll probably I mean it's probably like a bunch of
Speaker 2: different emotions mixed into one. Yeah, where you are not
Speaker 2: sure where you're going blah blah blah. I can only imagine,
Speaker 2: and it.
Speaker 1: Depends where because I you know, it's so crazy because
Speaker 1: my thirtieth birthday, when I was turning thirty, that's when
Speaker 1: I just moved home and I was sleeping in my
Speaker 1: middle school bed. So it's been a it's been a
Speaker 1: crazy rod. I'm like, wow, last Big Moments's birthday was
Speaker 1: quite a different situation to circumstance. I was literally like
Speaker 1: it was like turning thirty and my dad was like,
Speaker 1: make sure you're home by midnight. That's to curfew. And
Speaker 1: I was like, wait, what So we come a long way, baby,
Speaker 1: I think you no more midnight curfew, grown woman.
Speaker 2: No.
Speaker 1: But I'm honestly, I'm really excited because this week this
Speaker 1: past weekend, I took the Unicorn Squad. That's the name
Speaker 1: of my team, and we call them Unicorns because I
Speaker 1: say they make magic happen every day. It was eighteen
Speaker 1: of us, so myself, my business partner Jabrill, and I.
Speaker 1: It was really his idea. To give him credit that
Speaker 1: last year was the first time that we took everyone
Speaker 1: away on kind of like a family vacation, and this
Speaker 1: was our second year. Mandy. It was so much fun.
Speaker 1: You would not think that, like because it's literally Jabrill
Speaker 1: and seventeen women no drama know nothing. When I tell
Speaker 1: you fun, and I love that. I mean I don't
Speaker 1: think I laughed more or danced more. It was like
Speaker 1: summer camp for grown women, and Jabrill.
Speaker 2: I have just as much Filmo for that as I
Speaker 2: do for Tyler Perry's Atlanta studio opening.
Speaker 1: Yes, it was.
Speaker 2: It's just really looked like amazing weekends.
Speaker 1: Well because you know, the team looked We work largely remotely,
Speaker 1: so it's like the question always comes up, like how
Speaker 1: do you keep you know, like you get to see
Speaker 1: your team regularly, so like you can build relationships, you know,
Speaker 1: like these kind of intimate relationships. But it's it can
Speaker 1: be difficult when it's when everybody works all around the world.
Speaker 1: Like Natalie Watsi Zaka that's her name, she lives in Israel.
Speaker 1: Jabrill doesn't live anywhere. He just goes from place to place.
Speaker 1: Although he doesn't he lives in Opland now, but like
Speaker 1: it's never there.
Speaker 3: Karen is in at least that he's yes, Yeah, he's
Speaker 3: just like I mean, he literally lives places for like
Speaker 3: three months stints and then like uh, Logan lives in DC,
Speaker 3: Karen lives in Atlanta and lives in Philly.
Speaker 1: So everybody lives all these different places and yeah, and
Speaker 1: so to get together and to meet people and to
Speaker 1: hug them, like, well, I have to say, Sylvia lives
Speaker 1: in Arkansas because she's like no one ever managins Arkansas,
Speaker 1: and so it's just nice to like hug on them.
Speaker 1: And we did. We we got a private chef, and
Speaker 1: we we rented we're air and b Airbnb houses. We
Speaker 1: had we bought like when I bought, but we rented
Speaker 1: some cars to take us around. We did the escape room,
Speaker 1: We had a barbecue. We went to Scott Scott Stales
Speaker 1: I called Arizona.
Speaker 2: Oh, Arizona, Okay, And it was beautiful.
Speaker 1: So we definitely had to go to a beautiful spot.
Speaker 1: So we found like this five stars, dime five diamond,
Speaker 1: not even star five diamond spot. It was the best
Speaker 1: bout any of us I'd ever been to. So honestly,
Speaker 1: it was such a good time. It was Yeah, it
Speaker 1: was three nights, four days, and we just really enjoyed,
Speaker 1: Like my sister got to come for the first time
Speaker 1: because she's been on the team. We say, people asked
Speaker 1: how were we able to like afford and so what we
Speaker 1: did was we saved two percent of our gross income
Speaker 1: from the companies and we stashed it in the savings
Speaker 1: account and then that's our budget. And actually we kind
Speaker 1: of came in under budget. I think I want to
Speaker 1: say we had like forty something thousand saves, and I
Speaker 1: think we say we spent thirty nine thousands. So we
Speaker 1: played for flights, accommodations, even the car, your lift or
Speaker 1: you're whatever from the house to the airport and back again.
Speaker 1: Even that we pay for everything. I don't want you
Speaker 1: to pay for anything. This is just the time to enjoy.
Speaker 1: And so this is the second year we came on
Speaker 1: the budget last year. We came on the budget this year,
Speaker 1: so I was like proud of that that like, yeah,
Speaker 1: I would say probably cost around forty thousand dollars for
Speaker 1: about twenty of us. We even got a videographer to
Speaker 1: kind of like document like our weekend together. So the
Speaker 1: Unicorn squad, it's like we're all amped up and everybody's
Speaker 1: extra and rejuvenated and so yeah, I would honestly love
Speaker 1: to hear from the listeners like, what's something that your
Speaker 1: employer has done that just made you like super happy
Speaker 1: and geeked because I'm always trying to be a better
Speaker 1: leader and a better employer, so that way people are
Speaker 1: super happy to work with that.
Speaker 2: I think you're on the right track. I wouldn't worry.
Speaker 2: I don't think anyone out there can talk and all expense,
Speaker 2: all expenses paid girlfriend's weekend with a spa and a videographer,
Speaker 2: what private chef? What s got to here? Just looking
Speaker 2: for ways to improve all the amazingness that's already you know.
Speaker 1: And it's because, first of all, like I forgot, I
Speaker 1: never really told the team. I know, y'all listen to listen,
Speaker 1: but her a little snitche behind hey, Adelie, So she
Speaker 1: she listened to the podcast regularly, and she was telling
Speaker 1: the team that's what you get all the tea about
Speaker 1: the company, guys. That's how I found out that Timpany
Speaker 1: let go the admint after one day. And then she
Speaker 1: had everyone listen and I'm looking like, really, oh man,
Speaker 1: I know, and they were like, oh, Timpany, you savage.
Speaker 1: I'm like, no, I'm not savage, but they were like,
Speaker 1: you know what, that it was best for the team,
Speaker 1: and they kind of gave me some feedback up some
Speaker 1: interactions they had with with the admin, and so, I mean,
Speaker 1: it's just still we know we made the right choice.
Speaker 1: But it's just funny that she listens to the podcast
Speaker 1: for Tea Tea on the business.
Speaker 2: That's just smart. That's a smart that's a smart employee. Right, well,
Speaker 2: that's amazing. I was just joking about Tyler Perry, but
Speaker 2: I was, you know, I'm from Atlanta, and it felt
Speaker 2: like literally everybody I've ever known much invited to this
Speaker 2: Tyler Perry party, and of course everyone I didn't know
Speaker 2: the clip showed up. I'm like, the only people who
Speaker 2: did not show up were the Obamas, is what it
Speaker 2: felt like. I don't know what they were doing, but
Speaker 2: it was like every I mean, all of the black
Speaker 2: power in America was in Atlanta for this studio opening.
Speaker 1: Honestly, it's that amazing what he's been able to do.
Speaker 1: And did you know that the studio like this, it's
Speaker 1: bigger than what is it Disney Warner Brothers? Is something
Speaker 1: all the major studios combined. Isn't that crazy?
Speaker 2: I did not I did not know that. I did watch.
Speaker 2: I watched Ava Duvernet stories, and they do like a
Speaker 2: trolley tour of the whole studio. I mean, they legit
Speaker 2: built the freaking white house, like the front and the
Speaker 2: back of it, and they have a whole neighborhood on
Speaker 2: his studio. Like and you know, Tayler Perry gets a
Speaker 2: lot of crap for the films and the quality of
Speaker 2: them and what are they really doing for the culture
Speaker 2: and blah blah blah. But I'm just saying, man, when
Speaker 2: a man can be that successful, a black man can
Speaker 2: be as successful as all the mediocre white people producing,
Speaker 2: Like come on, like, we don't all need to be
Speaker 2: oscar makers, Like when we have the right to be
Speaker 2: hella successful, hella rich, have big ass studios, do what
Speaker 2: we want to do and put out work that's not
Speaker 2: always going to be like the creme de la creme.
Speaker 2: That is when I feel like we've made some progress, right,
Speaker 2: I mean, so let him make his media movies. And
Speaker 2: you know, obviously his content does appeal to his audience,
Speaker 2: and he knows his audience as well, so I give
Speaker 2: him nothing but respect. And it seemed like a really
Speaker 2: beautiful inspirational, you know weekend. So good for him and
Speaker 2: good for Atlanta. Like yeah, all that all that money
Speaker 2: from Hollywood moving into Atlanta. It makes me feel good
Speaker 2: to know that we've got like this is history. This
Speaker 2: is the first black owned studio like on this scale
Speaker 2: in the country and it's in Atlanta. So go shut
Speaker 2: out to my hometown. Why did you get so cool it?
Speaker 1: I know, well, and that has been cool for a
Speaker 1: while now, you know, because first of all, Atlanta got
Speaker 1: a man named gotta gotta mayor named Keisha. There's like
Speaker 1: a rap song that has that in its what And
Speaker 1: I love that Because I was watching this documentary that
Speaker 1: Prudential has Legacy lives on. It's the one that I'm
Speaker 1: a part of. And they asked Keisha long Bottom, like,
Speaker 1: what's your favorite what's your favorite line of Atlanta? And
Speaker 1: she said, besides, Atlanta got a mayor named Keisha, And
Speaker 1: I just love that, Like Keisha, Okay, I don't know
Speaker 1: if there's a blacker name and I love it, but yeah,
Speaker 1: it just it was very I'm so glad that Ever
Speaker 1: kind of showed like the tour because I was blown away.
Speaker 1: I was like, that was actually gonna be my brown
Speaker 1: booth saying thanks man, driving what apps together? Yeah? No,
Speaker 1: it just yeah, it looked amazing. I was like, wow,
Speaker 1: you know what, I think the biggest takeaway and actually
Speaker 1: had me thinking maybe we could talk about this like
Speaker 1: between us, like what like he said that what he
Speaker 1: wanted people to take away is that to dream bigger.
Speaker 1: What is your wildest probably not gonna happen, but you know,
Speaker 1: wildest dream you get think of. And I was thinking
Speaker 1: to myself, like, what would that be for me? My wildest,
Speaker 1: kookiest yeah, right dream?
Speaker 2: You know, are you gonna share?
Speaker 1: I think?
Speaker 2: Are you just neule?
Speaker 1: No? You well, I think like, I mean, there's a
Speaker 1: bunch of different things, but one one of them would
Speaker 1: be to like have like a billion dollar business, and
Speaker 1: honestly not the one that you would think, not the
Speaker 1: budget Nesta, but through Molly Moore, my children's book, like
Speaker 1: I could totally see her, you know, being a TV show,
Speaker 1: being like a standalone character, being something that like, you know,
Speaker 1: fifty years from now, when I'm not here anymore, well
Speaker 1: or I'm ninety, so I am going to be here.
Speaker 1: But fifty years from now, people like kids are still
Speaker 1: talking about Molly Moore, the character the way they talk
Speaker 1: about like I don't know, the smirks or something. That
Speaker 1: would be my biggest wildest like Kookie is like that,
Speaker 1: Like I have, I grew Molly Moore and the brand
Speaker 1: to this billion dollar brand that includes like merchandise and
Speaker 1: bedspreads and and sneakers and book bags and TV shows
Speaker 1: and computer programs and all that kind of stuff. You know.
Speaker 1: Also that would be crazy to me. But yeah, that's
Speaker 1: probably my biggest dream.
Speaker 2: I mean, she could be the next Doc mcstuffans.
Speaker 1: Yes, I really like I could. I could feel that.
Speaker 1: Like honestly, I feel like my temple is Dora. You know.
Speaker 1: You know I did a little digging and research and
Speaker 1: found that Dora, the worth of Dora the brand is
Speaker 1: seven billion dollars with a big and I'm.
Speaker 2: Like, she just got a whole new movie, like a
Speaker 2: whole movie.
Speaker 1: Yeah, that's what made So that would be my biggest dream.
Speaker 1: What about you, what would be your biggest wildist craziest.
Speaker 2: I just don't I don't even know. I've always dreamed
Speaker 2: about being a Broadway playwright, which sounds like the douchiest
Speaker 2: thing to ever dream about, but I don't care. I've
Speaker 2: dreamt about it. That's what I've always wanted to, like
Speaker 2: write a play, get a play produced, and I in
Speaker 2: and of itself that feat forget about awards or successful,
Speaker 2: but just like getting a play and and and like
Speaker 2: selling tickets and people showing up for it. That is
Speaker 2: my current fantasy. But I'm sitting here wanting. I'm sitting
Speaker 2: here like, yeah, you can definitely make molly more a
Speaker 2: billion dollar business. But in my head, I'm like, Brol,
Speaker 2: You're never gonna red play like, You're never gonna be
Speaker 2: like you know how you like you lift up your
Speaker 2: friends and then you just like crap on you.
Speaker 1: You're such a good writer. I mean, I don't live
Speaker 1: that's so crazy.
Speaker 2: Yeah, let me tell me it's not crazy because in
Speaker 2: my head, I'm just it's something that I wanted to do.
Speaker 2: And then I it's it's honestly that saying that you're
Speaker 2: afraid to even say out loud because you Yeah, it's
Speaker 2: just it's a it's a forbidden dream.
Speaker 1: No. At first, I think one is such an old
Speaker 1: writer too. You've got such discipline. I mean, I remember
Speaker 1: you came to remember four years ago, you know, you
Speaker 1: courted me at in New Orleans at thinkn like you
Speaker 1: want to do a podcast, and now look I'm freaking
Speaker 1: getting stopped in the street, not about Budgetista, but like
Speaker 1: love your podcast. I'm like, what, okay, I mean men
Speaker 1: and women. I'm like, look at the Jamal's out there
Speaker 1: secretly listening. No, but I just think that, yeah, like
Speaker 1: you you know, this was a dream that you had.
Speaker 1: You didn't even know, like like what do we use?
Speaker 1: What material? Like, how do we edit? How do we look?
Speaker 1: You figured it out and now we're freaking rocking and rolling,
Speaker 1: So I don't think.
Speaker 2: It's I know, No, You're right, I mean that, and
Speaker 2: I am really I'm super proud of the podcast. I'm
Speaker 2: really proud, but like this is us, you know, to
Speaker 2: do a play that's all me, and it's just it's
Speaker 2: like it's scarier because it really is all you on
Speaker 2: your own, just doing something, and the act of anyone
Speaker 2: who's a writer or just writing a book or writing fiction.
Speaker 2: I mean it is. It's just it's tortuous and I
Speaker 2: don't know why we but it's also so rewarding to
Speaker 2: just finish a body of work. So I'd be so
Speaker 2: proud if I could, if I could do that, and
Speaker 2: I and I you know, I'm not to be corny,
Speaker 2: but I think about I I feel like there's extra
Speaker 2: pressure now that I'm having a kid to not let
Speaker 2: this be it, you know, Like I want and I
Speaker 2: want several chapters after child. I want to have like
Speaker 2: a couple of different careers after I have a kid,
Speaker 2: and keep producing, keep creating, keep reinventing myself, and have
Speaker 2: interesting things happen in my life, you know, so that
Speaker 2: my kid will be excited about what's going on in
Speaker 2: my life, you know what I mean, Like, Yeah, I
Speaker 2: don't want it to be and she had a kid period.
Speaker 2: I want there to be multiple chapters after that. And
Speaker 2: there's no excuse why there shouldn't be. It's just, yeah,
Speaker 2: it's it's a little daunting to think about, that's all.
Speaker 1: Yeah. Yeah, But honestly, you can do it. If anybody
Speaker 1: could do it, Mandy, you're like a force. Many'd be like,
Speaker 1: let there be podcast okay, And they were like, and
Speaker 1: there was podcasts and it was good.
Speaker 2: Oh thank you, I am the god of podcast You're right.
Speaker 1: Yeah, honestly, I would love, honestly to hear from our listeners, like,
Speaker 1: let's follow in the theme of Tyler Perry, what is
Speaker 1: your big, audacious, crazy yeah, right, once in a lifetime
Speaker 1: goal dream Like, I think part of the to be
Speaker 1: one of the hardest parts is just to say it
Speaker 1: out loud. So tweet it to us, send it to
Speaker 1: us on IG, message us in the email, like I
Speaker 1: would really love and maybe we'll share some of them,
Speaker 1: because I think there's something powerful in writing the thing
Speaker 1: and then speaking the thing and someone else is speaking
Speaker 1: the thing. So let's do that. What's your biggest craziest Like, Yo,
Speaker 1: if I could do this, this is what it would be.
Speaker 1: But there's no way, there's no way, but say it
Speaker 1: and we'll share some of them. How about that?
Speaker 2: That sounds good. You know you're on the right track
Speaker 2: if you got sweenty like I did when you started
Speaker 2: talking about it. Oh, maybe it's the horrimone. I don't know.
Speaker 1: These are our questions you guys already. No, I don't
Speaker 1: know the words. So you can keep your messages to
Speaker 1: yourself every every podcast without fail. Soone said Tippany, we're
Speaker 1: gonna learn these learn these lyrics. The answer is never,
Speaker 1: Just like I'm not gonna never gonna remember all the
Speaker 1: handles or the email. My brain has already said tap tap,
Speaker 1: I'm out all.
Speaker 2: Right, I got you there, I got you there. If
Speaker 2: you guys would like to submit a question to the podcast,
Speaker 2: you can hit us up at Brand Ambition Podcast on Instagram,
Speaker 2: send us the DM, or you can hit us up
Speaker 2: by email Brand Ambition Podcast at gmail dot com, or
Speaker 2: check out our website brandambision podcast dot com and click
Speaker 2: ask us anything and ask us anything. All right, I
Speaker 2: have dug through. We had so many good questions on
Speaker 2: the Instagram you guys sent in probably I don't know
Speaker 2: a few dozen questions over the past week. So I'm
Speaker 2: going to parse through and pick a couple of month favorites.
Speaker 2: Let's start with one from listener. Do they want to
Speaker 2: be anonymous? Okay, we'll just say their name is Olivia.
Speaker 2: So Olivia wants to know how can she build credit
Speaker 2: in college without taking out a bunch of credit cards.
Speaker 2: So here's her question. Hey, y'all, I'm a senior on
Speaker 2: track to graduate from university in December. My problem is
Speaker 2: that I have a really low credit score, but I
Speaker 2: don't know how I can raise it. I've tried to
Speaker 2: apply for numerous credit cards in the past, student credit cards,
Speaker 2: secured cards, and otherwise, but I've always been denied. I
Speaker 2: do have some student loan debt about ten thousand dollars,
Speaker 2: so I'm guessing that that's why my score is so low.
Speaker 2: I want to attend law school next fall, and I'd
Speaker 2: really like to get my score up so I can
Speaker 2: establish credit and raise my score. But how can I
Speaker 2: do that if I keep getting it denied? For credit cards?
Speaker 2: Interesting question?
Speaker 1: So to be clear, is she applying for regular credit
Speaker 1: card or has she applied for a secured card?
Speaker 2: She said a secured card and a student credit card,
Speaker 2: and she's been denied every time. Really, isn't that surprising? Shit?
Speaker 2: I wonder if she's gone to a credit union, because
Speaker 2: I mean secured cards, even if your credits low, that's
Speaker 2: what they're made for. I mean, you you literally put
Speaker 2: money down on the card and then you pay them
Speaker 2: off over time. But of course you put down the deposit,
Speaker 2: so there's very little for the bank to lose. That's
Speaker 2: why they're such good credit bolder tools.
Speaker 1: Well, honestly, I would also look into them forget them.
Speaker 1: I would look into self well all themselves self now
Speaker 1: not self lender, So I wonder, wait, what's their website? Then?
Speaker 1: If it's like not self lender, self lender. So the
Speaker 1: way well, it was called the company formerly known as
Speaker 1: self lender. I don't know companies be changed up their
Speaker 1: names these days. Oh it's self think. I guess that's
Speaker 1: their website now, yeap, that's what it is, self ink
Speaker 1: dot com, I n C. So what I like about
Speaker 1: self lender or self is that you do a full borrow.
Speaker 1: And so the way it works is that you go
Speaker 1: to self you say yes, I want to I want
Speaker 1: to borrow money. And the good thing is they don't
Speaker 1: lend you money based upon your credit score. They lend
Speaker 1: you money based upon like your oh what is that thing? Uh? Oh, mandy,
Speaker 1: Like help me with the word that you know. Like,
Speaker 1: let's just say you don't pay a bank back or
Speaker 1: you over you after you don't pay the back, and
Speaker 1: then they tell on you and they put you on
Speaker 1: checkbooks though quick checks.
Speaker 2: Oh check systems.
Speaker 1: Check systems, I said, check books quick you know I
Speaker 1: am legitimately eighty out there. So self lender looks at
Speaker 1: check systems basically as long as you don't have any
Speaker 1: outstanding like beef with another bank. And so the way
Speaker 1: it works is the reason why they used to call
Speaker 1: themselves self lender. Is them, you don't really get the money.
Speaker 1: I always suggest to people that you borrow the lowest amount,
Speaker 1: which is I think five hundred dollars, and they say, hey,
Speaker 1: what's the name we gave.
Speaker 2: Her, Olivia? Olivia.
Speaker 1: Hey, Olivia, here's your five hundred dollars. Side, we're actually
Speaker 1: going to keep it and put it in a money
Speaker 1: market fund for you. But you're going to pay us
Speaker 1: back every month for a year until you pay out
Speaker 1: the five hundred dollars and so and the money that
Speaker 1: five hundred dollars, we're going to put it into an account.
Speaker 1: It's going to earn a little interest, not much, but whatever.
Speaker 1: And then you're going to pay every month, which is
Speaker 1: I think it's like forty something dollars a month, don't
Speaker 1: quote me on that, but whatever it is a month,
Speaker 1: you'll pay it. And so they will report to the
Speaker 1: credit Bureaus Olivia has not only paid a debt monthly
Speaker 1: on time, she paid it off in full at the
Speaker 1: end of the year. And then you get your five
Speaker 1: hundred dollars back, because remember you never got the original
Speaker 1: five hundred dollars loan. And so that is a great
Speaker 1: way if you've been locked out of the credits kind
Speaker 1: of like market. That's why Self came up with that solution.
Speaker 1: But Self is not the only company that does that.
Speaker 1: A lot of credit unions they just call a credit
Speaker 1: builder loan. So you can look at your credit union
Speaker 1: if you have one, if they have a credit builder loan,
Speaker 1: or if they don't. I like Self, I've been suggesting
Speaker 1: them for the last few years and I've never really
Speaker 1: heard any negative feedback about them. I think they're a
Speaker 1: great company, so I would start there.
Speaker 2: Yeah, that's a good idea. Another idea is to become
Speaker 2: an authorized user, Like if you if your parents have
Speaker 2: good credit and they're willing to add you as an
Speaker 2: authorized user on their credit what of their credit cards.
Speaker 2: Make sure that the credit card reports your authorized user
Speaker 2: behavior activity to the credit bureaus. Most of them do,
Speaker 2: but some of them don't, so double check that. And
Speaker 2: that's one way that you can also build credit. Again,
Speaker 2: you want to be sure that you know you're hitching
Speaker 2: your horse to hitching your I don't know, I'm going
Speaker 2: to mess up that analogy anyway. Just name sure it's
Speaker 2: the right move for you first, and that your parents
Speaker 2: and you are in the same page, and that you
Speaker 2: have you know boundaries and ground rules for how you
Speaker 2: use the credit card. And also if you're going to
Speaker 2: be you know, thinking about law school, you know, when
Speaker 2: you graduate in those that ten thousand dollars where the
Speaker 2: student loans come due, as long as you don't miss
Speaker 2: your first payment. You know, it's easy to miss your
Speaker 2: first payment because you think, oh, I've got six months,
Speaker 2: and those six months fly by and you forget about
Speaker 2: that payment hitting your account, and then you end up,
Speaker 2: you know, starting off on the wrong foot. Once you
Speaker 2: start making payments on your student loans, that should also
Speaker 2: improve your credit moving forward, making those payments each month,
Speaker 2: and a credit a student loans a type of installment debt,
Speaker 2: which just means that it's one blump sum and then
Speaker 2: you pay it off and fixed payments each month, kind
Speaker 2: of like a mortgage or an auto loan. And that
Speaker 2: can also improve your mix of credit. If you let's
Speaker 2: say you get a self leunder account or you get
Speaker 2: added as an authorized user on a credit card, and
Speaker 2: you also have a positive installment loan payment history, like
Speaker 2: with your student loan, that will together start building your
Speaker 2: credit slowly over time.
Speaker 1: Yeah, that's really good, because you're right, because installment because
Speaker 1: self lender is going to be an installment loan, so
Speaker 1: eventually what it will help is I just can't believe
Speaker 1: you got denied from Uh, yeah, that doesn't happen very
Speaker 1: I mean, it does happen, it doesn't happen very often.
Speaker 1: So maybe once you get like one of these credit
Speaker 1: builder loans into the mix, you can try again to
Speaker 1: see and usually when you get denied, they're supposed to
Speaker 1: send you something in the mail for why you got denied.
Speaker 1: So I definitely would would request wherever you made the
Speaker 1: request to, I would ask, you know, you know, am
Speaker 1: I going to receive something to share, like why I
Speaker 1: was denied? Like, oh, remember update, remember Mandy when I
Speaker 1: said I tried to get like an increase to my
Speaker 1: credit card and they denied me. So it turned out
Speaker 1: they had recently given me an increase, because they sent
Speaker 1: me a letter in the mail saying, hey, you were
Speaker 1: denied because you recently had an increase. And I was like, oh, whatever,
Speaker 1: I guess okay, yeah, so and I kind of remember that,
Speaker 1: I vaguely remember, Okay, I do remember whatever, so but
Speaker 1: it was good to know. So usually when you're denied credit,
Speaker 1: they'll send you something in the mail to say why
Speaker 1: so that I would be very interested to know.
Speaker 2: Okay, well, thank you Olivia for your question. Let's see,
Speaker 2: let's do another question from Instagram a user whose name
Speaker 2: doesn't make any sense, so I'm going to call her Greta.
Speaker 2: Sorry and ad fancy Greta. All right, she says, hello, ladies,
Speaker 2: thank you for a beautiful podcast filled with precious jewels.
Speaker 2: Uh here's my question. What would be the best way
Speaker 2: to tackle debt? If my husband and I have forty
Speaker 2: thousand dollars worth of debt from credit cards, student loans,
Speaker 2: and personal loans, should we consolidate our debt or try
Speaker 2: using a method like the snowball method for more information.
Speaker 2: We're both students, we have full time jobs and a mortgage,
Speaker 2: but we're struggling to save money while trying to pay
Speaker 2: off debt questions. So, just to recap forty dollars in
Speaker 2: total that consists of credit cards, student loans, and personal loans.
Speaker 2: Interesting mass, and they're wondering how to tackle it. And
Speaker 2: that's collectively, that's collectively together.
Speaker 1: Yep, I'm not gonna lie. That's not that bad. I'm
Speaker 1: not saying that we could say that.
Speaker 2: What I was thinking like y'all can do this. You
Speaker 2: got this, Yes, you got this. We'll take each of
Speaker 2: those three types. We don't know how much it's credit cards,
Speaker 2: how much is student loans, or we don't know what
Speaker 2: the interest rates are, so it's a little bit difficult
Speaker 2: to give specific advice. But where would you where would
Speaker 2: you say start.
Speaker 1: To Well, I would, I personally like the snowball methods.
Speaker 1: I'm a little biased, and the snowball method is just
Speaker 1: kind of when you line up your debt from lowest
Speaker 1: to the highest as far as balances are concerned, and then
Speaker 1: you start to tackle the debt with the lowest balance first.
Speaker 1: So basically the other two debts get their minimum and
Speaker 1: the debt with the lowest balance gets its minimum plus
Speaker 1: whatever extra money you could pull from your from your budget.
Speaker 1: So you should have a budget and say, hey, budget,
Speaker 1: this is how much my life costs. How much is
Speaker 1: left over after I pay my expenses? Oh, there's two
Speaker 1: hundred dollars left over, And then you can might decide
Speaker 1: one hundred dollars is gonna go to saving, because you
Speaker 1: should be saving and paying down debts simultaneously, so maybe
Speaker 1: one hundred dollars goes to savings. And another hundred goes
Speaker 1: to my debt paydown plan. So now you have your
Speaker 1: debt paid down plan money. And if you're gonna do
Speaker 1: the snowball method, it would look like this, Hey, lowest
Speaker 1: balance debt, You're gonna get your minimum plus this one
Speaker 1: hundred dollars, and now I'm gonna pay it, pay pay,
Speaker 1: pay pay and pay pay it. And then when that's
Speaker 1: paid off, I'm gonna roll over the lowest debts minimum
Speaker 1: plus that one hundred dollars to the second lowest debt.
Speaker 1: So the second lowest det is gonna get effectively three
Speaker 1: payments in one. It's minimum the first lowest debts minimum
Speaker 1: plus that hundred dollars, and then you're gonna pay pay
Speaker 1: pay pay pay it pay paid off, and then you're
Speaker 1: gonna roll it off to the third lowest debt. And
Speaker 1: so that's the way the snowball method works. Or you
Speaker 1: can use the add into method, which is when you
Speaker 1: pay off the debt with the highest interest rate off first.
Speaker 1: And so the avalance method makes the most sense as
Speaker 1: far as mathematically, because you're basically paying off the debt
Speaker 1: that has that's costing you the most amount of money
Speaker 1: because the interest rate is the highest, and the snowball
Speaker 1: method makes the most sense emotionally because if you pay
Speaker 1: off the debt with the lowest balance first, you kind
Speaker 1: of get a faster return emotional return on your investment,
Speaker 1: because it might take you ten years to pay off
Speaker 1: the debt with the highest interest rate, and so you
Speaker 1: might not feel as good about it. So I like
Speaker 1: the snowball method, although the obviously that oline method is
Speaker 1: amazing if you can stick with it. So yeah, I
Speaker 1: think that I think that that's what I would do.
Speaker 1: I would line it up like that, Honestly, I.
Speaker 2: Would look at the I feel like I have a feeling.
Speaker 2: Out of all three of those types of debt that
Speaker 2: you have, the credit cards probably have the highest interest rates.
Speaker 2: So I'm a fan, I mean, And that's kind of
Speaker 2: looking at things with the avalanche method in mind versus
Speaker 2: a snowball. But if you wanted to quick, you know,
Speaker 2: especially if you're kind of struggling, and let's say he's
Speaker 2: got some credit cards, You've got some credit cards, and
Speaker 2: you want a simple way to just keep track of
Speaker 2: everything in one place, you could look into consolidating those
Speaker 2: credit cards with a personal loan, for example, from a
Speaker 2: credit union. If it means that you could secure a
Speaker 2: lower interest rate than what you're currently paying on those
Speaker 2: credit cards, because we know how difficult it can be
Speaker 2: to pay down credit card debt, and when it's got
Speaker 2: you know, what is the average APR in credit cards,
Speaker 2: and thing like seventeen percent that's with like perfect credit today.
Speaker 1: So yeah, I could look at I know it's this crazy.
Speaker 2: You could look at consolidating those credit cards just so
Speaker 2: you have one fixed monthly payment, which is what you
Speaker 2: get with a personal loan, and then you can both
Speaker 2: tackle that payment together. And of course when you're applying
Speaker 2: for a personal loan, they're going to take into account
Speaker 2: how much you can afford to pay, so your monthly
Speaker 2: payment shouldn't be more shouldn't end up being more than
Speaker 2: what you guys can comfortably afford with your student loans.
Speaker 2: If you're both still still in school, then maybe they
Speaker 2: aren't quite due yet, so they're not an immediate concern,
Speaker 2: but you definitely want to. I would focus on getting
Speaker 2: rid of that other types of debt, the credit card,
Speaker 2: the personal loans before you guys graduate, so that when
Speaker 2: you graduate, you can just throw everything you got at
Speaker 2: those student loans. If the student loans are an issue now.
Speaker 2: You know, if they're federal, there's things you can do,
Speaker 2: income based repayment, for bearers, deferment while you focus on
Speaker 2: your higher interest debt like credit cards or personal loans
Speaker 2: to buy yourself some time. But eventually you got to
Speaker 2: tackle them right and even if you defer them, interest
Speaker 2: is going to still be accruing, So you want to
Speaker 2: aggressively as fast as you can get rid of the
Speaker 2: other debt and then hop on those student loans. If
Speaker 2: they're private, you can look into well, if you've got them,
Speaker 2: you know, pretty high interest rate in your student loans
Speaker 2: and you think you're interested in looking at refinancing. That's
Speaker 2: also an option. If you guys have strong credit scores.
Speaker 2: There's lots of companies out there that will refinance your
Speaker 2: student loan debt today, which will help you secure a
Speaker 2: lower interest rate and maybe reduce your payments and help
Speaker 2: you pay it off faster. But just keep in mind,
Speaker 2: if you have federal student loans and you're refinancing them,
Speaker 2: you're essentially turning them into a private loan, which means
Speaker 2: those flexible options I mentioned earlier, like income based repayment
Speaker 2: or forbearance are probably no longer available to you, so
Speaker 2: it has to be worth that trade off for you
Speaker 2: to refinance them and turn them into private loans.
Speaker 1: Yeah, and to me, it rarely is worth it, so
Speaker 1: you know. So, I mean there's companies like so far
Speaker 1: that I that are great companies for refinancing for private loans,
Speaker 1: but I always tell people, if you can keep them federal,
Speaker 1: it typically is worth it, just because if you ever
Speaker 1: fall on hard times, private loans don't care, but loans,
Speaker 1: but federal loans, there are things in place that you
Speaker 1: know that you can use to protect yourself if you
Speaker 1: fall on hard times, and it's much easier to default
Speaker 1: on a private loan, like a veteral loan is harder
Speaker 1: to default. And so yeah, so I mean it's except
Speaker 1: for like maybe rare instances, it's almost always best to
Speaker 1: stay federal if you can.
Speaker 2: That's true. But like we both said, forty k between
Speaker 2: the two of you, guys, if you've got you know,
Speaker 2: you're working. You said, you have full time jobs, you're
Speaker 2: wanting to pay it off. You just need a good
Speaker 2: strategy that works for both of you. So if it
Speaker 2: sounds like you need what Tiffany said, the snowball method,
Speaker 2: which snowball method is excellent. I mean a study actually
Speaker 2: showed that people were more likely to keep up their
Speaker 2: good debt payoff habits with the snowball method, even though
Speaker 2: technically it's not the most mathematically logical method between avalanche,
Speaker 2: because with avalanche, you're paying off the highest cost debt first,
Speaker 2: so you save money over time. But the snowball method
Speaker 2: with people would stick with it longer because it builds
Speaker 2: that momentum. It's so exciting when you pay off that
Speaker 2: twenty five dollars ballance, in the one hundred dollars ballance,
Speaker 2: in the two hundred dollars balance, and you start you
Speaker 2: start embedding those habits that bring you success later with
Speaker 2: those early wins and building momentum. And that's why people
Speaker 2: are so obsessed. And the snowball method continues to be,
Speaker 2: you know, one of the most popular debt payoff methods
Speaker 2: out there.
Speaker 1: Well, now it's time to boost their break with the
Speaker 1: Brown Ambish family. Will you boost? Will you break? What
Speaker 1: will you do? Many? I wish you could see me
Speaker 1: like you. Literally, I have my arms out and I'm
Speaker 1: like just I'm feeling it. I'm bibing. I'm good. I
Speaker 1: love how the song always makes me go first. It's fine,
Speaker 1: although Tiffany would also rhyme.
Speaker 2: May yeah, you know what, I never.
Speaker 1: Realized that it does make you go.
Speaker 2: I'm ready. I'm always ready, though, always ready.
Speaker 1: And I'm ready. I'm ready, I'm Do you want me
Speaker 1: to go first?
Speaker 2: I can go for no, no, no, I got it.
Speaker 2: I just I'm struggling because I don't know whether it's
Speaker 2: a boost or a break. You guys can help me decide.
Speaker 2: But I read this article about if do you use Reddit,
Speaker 2: Tiffany or your redditor?
Speaker 1: No, not much. I mean I've heard of it.
Speaker 2: But my husband's a huge redditor. He gets tons of
Speaker 2: advice on Like there's a subreddit. So it's basically like
Speaker 2: if you have a passion or a hobby or interest,
Speaker 2: there is a Reddit group for you. There's a personal
Speaker 2: finance reddit, there's you know, all just just dozens hundreds
Speaker 2: probably of different forms where you can ask questions and
Speaker 2: you get comments. People can vote up or down your comment,
Speaker 2: and it's kind of like you collect clout on Reddit
Speaker 2: that way. But it's this whole just people, It's just
Speaker 2: it's this whole movement and my husband loves it for
Speaker 2: home improvement questions and all kinds of stuff. But there's
Speaker 2: there's this there's this general kind of of course trend
Speaker 2: with Reddit where most of the users, they don't do
Speaker 2: like a census of their user base, but most of
Speaker 2: the users it does feel very white, very male on Reddit.
Speaker 2: But there are subreddits that target or not target, but
Speaker 2: are meant to be like groups where people of color
Speaker 2: can talk about whatever they're interested in. So there's one
Speaker 2: group called Black People Twitter and it's basically meant to
Speaker 2: be a safe space for black Reddit users to talk
Speaker 2: about whatever's happening in the news. Whatever people are ranting
Speaker 2: about on Twitter, but you know, what's happening in the news,
Speaker 2: the biggest trends, whatever. But the moderators of this forum
Speaker 2: have realized that a lot of white people apparently, and
Speaker 2: it's hard for them to tell, but they suspected that
Speaker 2: a lot of white users were posing as black users
Speaker 2: and commenting on various topics on the black Twitter on
Speaker 2: the black Twitter People subreddit forum. So imagine if this
Speaker 2: was like a Facebook group for people of color and
Speaker 2: you had white people contributing commentary. Okay, not really the
Speaker 2: intention of the group. So these moderators, you know, it's
Speaker 2: an anonymous forum, people don't put their faces as their profiles.
Speaker 2: It's not like Facebook. You're meant to be anonymous. That's
Speaker 2: that's part of the appeal of Reddit. So what they
Speaker 2: decided to do is ask their users to submit a
Speaker 2: photo of their forearm with their Reddit with their Reddit
Speaker 2: name written on their forearm, with a timestamp to verify
Speaker 2: that it was taken recently. To verify their blackness.
Speaker 1: Oh my god, not everybody even that's not even how
Speaker 1: we like. I know plenty of light skin black folks
Speaker 1: that you would not know that black is not just color.
Speaker 2: Right, So it's such a But on the other hand,
Speaker 2: it's like I was reading it, and that's why I
Speaker 2: feel conflicted, Like I think the way they went about
Speaker 2: it is problematic for the reason you just mentioned. I mean,
Speaker 2: I'm mixed, right, So if my forearm is I don't know,
Speaker 2: I'm pretty pale, it's like my summer tan is gone.
Speaker 2: I've already part where they catch you, right, I've already
Speaker 2: had to change my foundation by two shades. I had
Speaker 2: my winter foundation my summer foundation. So what was happening
Speaker 2: is some of the users were like, well, screw it,
Speaker 2: I don't want to be anonymous. I'm going to take
Speaker 2: a picture with all my family so you can see
Speaker 2: I have a black dad or a black cousin, dark
Speaker 2: skinned cousin, dark skinned dad, whatever, And even though I'm
Speaker 2: light skin, here's my family. And it's like, it's just
Speaker 2: it's created this. It's I think they meant well, but
Speaker 2: the way they executed it is super problematic. On the
Speaker 2: other hand, I see the challenge like and and you know,
Speaker 2: knowing Reddit and knowing what the Reddit world is, like,
Speaker 2: I feel like there's there needs to be a safe
Speaker 2: space for black Reddit users to talk about what they
Speaker 2: want to talk about and to comment and this, you know,
Speaker 2: but to feel like people are posing as black people
Speaker 2: and contributing, and they're contributing comments that are proliferating stereotypes,
Speaker 2: you know, saying things like well do we really need
Speaker 2: affirmative action like things like that, you know, come on controls,
Speaker 2: you know. But it's just like it's the challenge with
Speaker 2: Reddit because they let they let excuse me, they let
Speaker 2: users of these forums moderate them, and there's not really
Speaker 2: a system to to to control who can join. It's
Speaker 2: meant to be so open when you're trying to have
Speaker 2: a private discussion what can you do? So I just
Speaker 2: thought it was a very interesting story. I don't really
Speaker 2: know how to feel about it, but that's what I
Speaker 2: wanted to share.
Speaker 1: Wow, yeah, I that's it is hard because how one
Speaker 1: it's it's almost like this one drop buol, like what
Speaker 1: does black even mean? Now? We have to you have
Speaker 1: to figure that out. Yeah.
Speaker 2: One of one of the leaders or one of the
Speaker 2: users was like, well, I took a DNA test and
Speaker 2: I'm my my mom is zero point five percent Ghanian.
Speaker 2: So does that mean I can join? Like every white
Speaker 2: person has a little bit of black in them and
Speaker 2: persactly you know what I mean. So that's what they're saying.
Speaker 2: So you're right, it is it's what is that? What
Speaker 2: is that line?
Speaker 1: So we had that problem a little bit with a
Speaker 1: DreamCatcher group on Facebook because dream Catchers are largely African
Speaker 1: American women and we don't but we don't turn anyone away,
Speaker 1: so we you know, we we started to get like
Speaker 1: white women come in and for honestly, for the most part,
Speaker 1: no problem. They were respectful, and you know, sometimes they
Speaker 1: were come in and realize like, oh okay, there's a
Speaker 1: lot of black women in here. Am I allowed? And
Speaker 1: I'm like, yeah, as long as you don't act up
Speaker 1: a child, you could stay, and so and so. But
Speaker 1: then we started getting started to get white men and
Speaker 1: so so we were getting First it started with black men,
Speaker 1: and you know, it was okay because you know, men
Speaker 1: could be a lot, so you're like, all right, don't
Speaker 1: act to up, you can stay. And then we start
Speaker 1: to get white women, and honestly, like, we have less
Speaker 1: trouble with white women that we have with black men.
Speaker 1: So and then white men came. And when I tell
Speaker 1: you the trouble if I see what more Trump posted,
Speaker 1: we had to make a role, which sounds so crazy,
Speaker 1: no white men because they were coming and stirring the pot,
Speaker 1: saying outrageous and egregious things, and no other no one
Speaker 1: else was doing that. Like, yes, you definitely would get
Speaker 1: like some folks, like you know, I would say, as
Speaker 1: far as a large majority, So of course you get
Speaker 1: people who sometimes can be mean or nasty or whatever.
Speaker 1: But when I tell you, we would add a white
Speaker 1: man unfortunately, and and it was like without fail, it
Speaker 1: would take off. Well, maybe if you get off welfare,
Speaker 1: you're like, why are you here? You know, like not
Speaker 1: white men in general, but just like you in particular, sir,
Speaker 1: why are you here if you're gonna spew nastiness? You know,
Speaker 1: this is not a You're not required to be a
Speaker 1: dream catcher. And so we had to make a rule
Speaker 1: because it started to feel unsafe, and I was trying
Speaker 1: to be fair, and I was trying to be like, well,
Speaker 1: you know, we don't turn anyone away. Well, no, we
Speaker 1: turn away, we turn away. It sounds so terrible, and
Speaker 1: I don't care because I started dream Catchers in the
Speaker 1: budget needs to create a safe space for women, especially
Speaker 1: women of color. And you are welcome to come unless
Speaker 1: you bring the bullshit, then you are not welcome to come.
Speaker 1: And so that is like one group that we don't
Speaker 1: allow them in the dream Catcher for anymore, because it
Speaker 1: was too hard to keep up with the handful that
Speaker 1: maybe weren't causing trouble. And I'm like, you know what,
Speaker 1: every space in the world is safe for you, every space.
Speaker 1: It's your space. This is one of the few spaces
Speaker 1: that we get to have. And everyone else respects this space.
Speaker 1: The black men respect the pace, space, white women respect
Speaker 1: the space. Everybody else was respecting the space, but except
Speaker 1: for that subgroup. So yeah, so we made we had
Speaker 1: to make that defitit of ruin. I'm sure that's going
Speaker 1: to come back to bite me in the butt. Okay,
Speaker 1: be mad, Todd. I don't care because it's hard enough
Speaker 1: out here to like post you know that you're struggling
Speaker 1: financially and you're trying to figure out, like what to
Speaker 1: do with your kids without someone coming along saying maybe
Speaker 1: you stop having so many kids. You're like, are you
Speaker 1: kidding me? Yeah, that's the exactly what was.
Speaker 2: Going on in this in this reddit. So that's a
Speaker 2: perfect example. So you're dealing with it too. But at
Speaker 2: least you can see the faces you know, generally with
Speaker 2: your users. With Reddit, it's just so difficult because the
Speaker 2: whole point of it is that people don't share their
Speaker 2: their identities. They're anonymous, they have weird names and weird photos.
Speaker 2: But and I'm glad it's it's a really interesting conversation
Speaker 2: to have. And you're right, it's so hard to say
Speaker 2: it in the right way, but you just have to
Speaker 2: say it. The space is really not meant for certain people.
Speaker 2: It's meant to be a safe space for a marginalized group,
Speaker 2: and it's and and when so of course your first
Speaker 2: loyalty is to your audience, the people you made the
Speaker 2: group for, and you need to make you need to
Speaker 2: continue to make it a safe space for them and
Speaker 2: buy And we can call it discriminating or whatever or
Speaker 2: keeping out certain people, You're doing it with the right intention.
Speaker 2: It's not to it's not to deny people their right
Speaker 2: to for free speech. It is to make it a
Speaker 2: safe space and the people that you intended the group
Speaker 2: for in the first place. And I think that's what
Speaker 2: these people are doing as well. But it's just super problematic. Yeah,
Speaker 2: it's hard taking it.
Speaker 1: And it's hard because even saying it, I'm like, oh,
Speaker 1: because somebody can make the argument for keeping black folks out, well,
Speaker 1: this is a safe space for us, you know, And
Speaker 1: so yeah, so I mean, so I'm dynomians who I
Speaker 1: think I had the perfect solution, but I do know
Speaker 1: so many women came to me and like message me,
Speaker 1: They're like, honestly, I don't feel safe here. I don't
Speaker 1: feel like I can share like I used to. And
Speaker 1: I was like, that's not We're not doing that, and
Speaker 1: so like I just you know, I was like, we're
Speaker 1: gonna make an execute decision whatever, and make that choice
Speaker 1: and honestly, it's been so much better as a result,
Speaker 1: because for the most part, everyone else polices themselves. Like
Speaker 1: I said, we have a few playerups here and there,
Speaker 1: but for the most part, everyone is kind to everyone
Speaker 1: in there. And yeah, so my well, my boost was
Speaker 1: gonna be Tyler Perry, but instead I'm going to boost
Speaker 1: my new obsession. Have you ever heard of the Terrell
Speaker 1: Show on YouTube?
Speaker 2: Manadra, no, I have doc Are you gonna educate me?
Speaker 1: I am so. Torell is a young African American man
Speaker 1: who does this show where it's oh, what do they
Speaker 1: call it? I guess it's like a song association where
Speaker 1: he sits behind this like really bright, beautiful blue screen
Speaker 1: and he loves music and so he gets like these
Speaker 1: music artists that some of you know, some of them
Speaker 1: you don't know as well. He has broken kind of
Speaker 1: like a lot of new artists too, where he'll say
Speaker 1: a word and then they have to sing sing a
Speaker 1: song that has a word in the title or in
Speaker 1: the song itself. And honestly, it is delightful. It is funny.
Speaker 1: I mean, there are some people who just can sing
Speaker 1: down They're like wow. I mean there are people now
Speaker 1: who am following on Spotify as a result. And so
Speaker 1: if you need a little joy in your life, you
Speaker 1: know Terrell. It's literally just t E R R e
Speaker 1: LLL on on YouTube. And there's a there's a gentleman
Speaker 1: named Sammot or Samo that now I'm like in love
Speaker 1: with his voice because I saw him on The Terrell Show.
Speaker 1: Cynthia or Rebo, my girl who plays Harriet in the
Speaker 1: new Harriet movie, was just recently a guest on the show. So,
Speaker 1: like I said, he's had, like, you know, some well
Speaker 1: known folks, and he's had some folks that you might know,
Speaker 1: like Amber Riley from Gale. Oh my goodness, her voice
Speaker 1: is the voice of an angel, and so just happy times.
Speaker 1: So yeah, I think that people would enjoy enjoy his show.
Speaker 1: You know, they're typically about twenty twenty to thirty minutes long,
Speaker 1: the videos, but you just really get to hear people's voice.
Speaker 1: And if you really love music, I think you'll love
Speaker 1: the Terrell Show.
Speaker 2: That seems like a fun thing to watch. I'm gon
Speaker 2: check it out. I love you know, I love me
Speaker 2: some Cynthia Orribo. I can't wait for Harriet tell my movie.
Speaker 1: Oh my gosh, I'm trying to think out what I'm
Speaker 1: going to do special, like if I should do like
Speaker 1: a DreamCatcher mob through because I really feel like we
Speaker 1: all need to go watch it.
Speaker 2: Yeah, buy out a theater in Newark or something. I
Speaker 2: don't know.
Speaker 1: I know, I wonder how much that would cross. I'm like,
Speaker 1: I don't know, no, because honestly, it just I just
Speaker 1: feel like it would just I just cannot wait. It
Speaker 1: looks so good and empowering. And because sometimes you you know,
Speaker 1: you watch some of those movies like Twelve Years of
Speaker 1: Slave left me so broken, like I I can't do this.
Speaker 2: My movie broke a lot of people, you know, my
Speaker 2: friends and I. After that movie came out, we're like,
Speaker 2: we cannot see any more slave Moviesation never saw it either.
Speaker 2: But this one feels different because yes, we know she's
Speaker 2: gonna make it.
Speaker 1: And it feels empowering. It seems like she can't hear
Speaker 1: very much like that, like she is not a victim
Speaker 1: of her circumstance. She is she's heroic. She is powerful,
Speaker 1: and she owns that power. And that's why I'm excited
Speaker 1: to see it. Because you're right, so many of the
Speaker 1: slave and not and not to say that they're bad
Speaker 1: because that's the reality. That's what it was like. So
Speaker 1: I'm glad I watched Twelve Years of Slave, but it
Speaker 1: was I mean, I was sobbing weeping in the movie there.
Speaker 1: I was like, wow, it was it was traumatic and
Speaker 1: I was like, okay, I don't I don't want to
Speaker 1: hate people. So I'm just not gonna watch these movies
Speaker 1: anymore because it just makes you look around and you're like,
Speaker 1: why are you like this? So yeah, so yeah, So
Speaker 1: definitely the Harry movie. I cannot wait to see it. Yeah,
Speaker 1: because she's just so dope and I just got to
Speaker 1: hang out with her a little bit at Love's wedding
Speaker 1: and she's just even dopeer. She's sang that saying love
Speaker 1: you down the aisle, so she was the one who
Speaker 1: likes Yeah.
Speaker 2: It was beautiful, beautiful yeah.
Speaker 1: Yeah, just such great energy. And Superman was like can
Speaker 1: I get a picture? And she's like, oh sure. He's like,
Speaker 1: I'm all my friends. I was like, you know what.
Speaker 1: He took a picture with her and and eyvon Og
Speaker 1: Molly from Insecure. He was so geek to be able
Speaker 1: to tell his friends he meant to famous people.
Speaker 2: I don't blame him. I've been like, yeah, this is
Speaker 2: and of course you're probably playing it cool, but you
Speaker 2: get to geek out when you're Tiffany ellye Chase, mister
Speaker 2: budget stick. Can I get a picture please,