Speaker 1: It's time for the b a qa a, the ba
Speaker 1: qa What you say the ba qa with Manda, the
Speaker 1: ba qa a Hello ba fam This week you got
Speaker 1: me to sing because I have about seventy five percent
Speaker 1: of my brain capacity this week, which is doing really
Speaker 1: damn well when you consider my life right now is
Speaker 1: a bit chaotic, but I love it. I just want
Speaker 1: to do a quick update. As you guys know, I
Speaker 1: had a new baby. This was the year of the
Speaker 1: three Bees for me. It was baby, book deal Beyonce.
Speaker 1: I know you thought I was gonna say brad ambition,
Speaker 1: but brad ambition is always there, okay, And to have
Speaker 1: accomplished those three things. I was just taking some time
Speaker 1: the past couple of days to like soak that in
Speaker 1: and getting really in my feelings. Now my baby, my
Speaker 1: first baby, is heading off to pre k and my
Speaker 1: my number two, little Remy, is doing so well. My
Speaker 1: mom has been here just being a hero and a
Speaker 1: goddess and taking care of him so I can get
Speaker 1: back into a groove. And now that I have the
Speaker 1: book deal, now I have to do the book writing right.
Speaker 1: So at this point I don't have set deadlines on
Speaker 1: when things are due, but I gave because my editor
Speaker 1: is like, you just had a baby, take your time,
Speaker 1: but I gave. I know myself and I need to
Speaker 1: start putting together like a game plan to get this
Speaker 1: book done, and I hope I will have the majority
Speaker 1: of written by the time we yell Happy New Year
Speaker 1: for twenty twenty four. Okay, so that's a tall order,
Speaker 1: but I wrote chapter one last week. I'm almost I'm
Speaker 1: like ninety nine percent done with it, and nothing has
Speaker 1: built my confidence more than having at least written a chapter.
Speaker 1: And I don't know if my editor is gonna think
Speaker 1: it's good. I don't know. It's probably going to change
Speaker 1: a million different ways before the book is actually published.
Speaker 1: But my whole goal was to sit down and write
Speaker 1: words and don't let fear, imposter syndrome, any of those
Speaker 1: doubts that we all have stop me. I just needed
Speaker 1: to like barrel through them, or, as my son says,
Speaker 1: steam roll through them, mama. So I steamrolled through them.
Speaker 1: I got chapter one done, over seven thousand words. And
Speaker 1: it is all about not waiting for your f you
Speaker 1: moment to quit, So not waiting until you get so broke,
Speaker 1: broke down, burnt out, fed up, enraged at your job
Speaker 1: that you quit like that, quit without having a strategy,
Speaker 1: a plan, taking the time to find a new offer,
Speaker 1: things like that. So I'm very, very excited about it.
Speaker 1: Wanted to give you guys a little book update. Although
Speaker 1: I am desperately looking for ways I can go see
Speaker 1: Beyonce again, it ain't gonna happen, y'all. I'm not going
Speaker 1: to find my way to Las Vegas or New Orleans
Speaker 1: or wherever in the world's going to be next. But
Speaker 1: I will cherish that time that I had with her forever.
Speaker 1: But yeah, it has been such a joyous summer, and
Speaker 1: I hope that y'all heading into the season's changing, y'all.
Speaker 1: I had to go to Starbucks and get my mom
Speaker 1: a pumpkin spice latte just last week. It's not even
Speaker 1: September yet, but seasons are changing. For those of you
Speaker 1: who are dealing with the back to school craziness, for
Speaker 1: those of you who are starting new chapters, or for
Speaker 1: anyone who just feels like this is an opportunity to
Speaker 1: sort of reflect and start off the last few months
Speaker 1: of the year with renewed confidence and enthusiasm and excitement.
Speaker 1: I just want to acknowledge that and say we got
Speaker 1: this all right, a few months left in the year.
Speaker 1: We are doing it all right. Okay, so that's my
Speaker 1: little update. I mean, I hope that you guys are
Speaker 1: again just having a wonderful, wonderful summer. I'm going to
Speaker 1: jump into these questions now again. If y'all want to
Speaker 1: email us your questions, hit us up Brand Ambition Podcast
Speaker 1: Gmail dot com or slide into our dms. We got
Speaker 1: twenty thousand, over twenty thousand followers on on IG now,
Speaker 1: so thank y'all for that. But you can slide into
Speaker 1: our dms there, send us a question. Our lovely assistant
Speaker 1: Lauda will get those to us, and we are at
Speaker 1: Brand Ambish Podcast on the gram. Alrighty, right, right. We
Speaker 1: got two questions today, one more on the finance, the
Speaker 1: finance side, some credit deck question and another one more
Speaker 1: like introspective around career and sort of what we would
Speaker 1: tell ourselves at a younger age. Let me jump on
Speaker 1: into these, y'all. First, up, Bianca, send us a question
Speaker 1: on IG. Bianca says, I love, love love your podcast.
Speaker 1: I listen to it as I drive from Redbank to
Speaker 1: Jersey City on my way to work. So many gems
Speaker 1: I send it to everyone I know that asks any
Speaker 1: money questions. Thank you, Bianca, and thanks for the segue,
Speaker 1: because if y'all haven't left us a five star review
Speaker 1: on iTunes lately, what you been waiting for? Come on now.
Speaker 1: Reviews not only help us stay at the top of
Speaker 1: the charts, and they matter. Doesn't matter if you let
Speaker 1: the review. When we first started, we depend on y'all
Speaker 1: to give you give us your feedback, and it lets
Speaker 1: other people find our shows. So help us keep going strong.
Speaker 1: Go leave a review. Come right back to this episode,
Speaker 1: will wait? Okay? All right back to Bianca. Bianca says,
Speaker 1: I have a question I'm trying to work out. I'm
Speaker 1: successfully paying off my credit card debt, hopefully to be
Speaker 1: hopefully I will be credit debt free by early next year.
Speaker 1: I'm a W nine employee slash independent contractor, so I
Speaker 1: don't have a four to one K or a human
Speaker 1: resources department to go to to figure this out. Should
Speaker 1: I open a retirement account and start sending funds there,
Speaker 1: but take longer to pay off my credit card debt?
Speaker 1: Anything extra that I have doesn't pay my bills anything. Oh,
Speaker 1: I'm talking about anything extra I have left over that's
Speaker 1: not going toward my bills. I've been using it to
Speaker 1: pay off my credit card debt. I was in twenty
Speaker 1: seven thousand dollars of debt, but now eleven thousand dollars,
Speaker 1: and it's been a journey. I hear you guys talk
Speaker 1: about paying yourself first, like putting your extra funds into savings,
Speaker 1: and I have an emergency fund that's worth three months
Speaker 1: of expenses then everything else I used to pay off
Speaker 1: the cards. I am just tired of carrying this debt
Speaker 1: with me. Much appreciated, Love you, ladies, Love Bianca, congrats
Speaker 1: on the baby in the soft anti life Tiffany, baby
Speaker 1: for me, Anti life for tiff Yes, okay, Bianca, I
Speaker 1: love this question. And first of all, can we acknowledge
Speaker 1: from twenty seven thousand dollars to eleven thousand dollars paid
Speaker 1: down in credit card debt? That is freaking amazing, especially
Speaker 1: because I know credit card aprs are wild right now,
Speaker 1: Like the average credit card is over twenty percent APR
Speaker 1: right now, and that is expensive, expensive ass debt to
Speaker 1: be carrying. But I'm so proud of you for having
Speaker 1: paid it down. I wonder if now your credit score
Speaker 1: is so is a lot stronger, and maybe you could
Speaker 1: look into, you know, a balance transfer option which would
Speaker 1: get you to a zero percent a zero percent promotional
Speaker 1: APR with a credit card that you could then you
Speaker 1: can be paying down your debt aggressively, but then you're
Speaker 1: not paying extra in interest. Maybe you've already done that,
Speaker 1: but I just want to throw that out there because
Speaker 1: I've used that as a great as a tool to
Speaker 1: help me pay down my debt faster. And I know
Speaker 1: others you know, have had great success with balance transfers,
Speaker 1: but I'm just so named proud of you, and I
Speaker 1: hope once this toll twenty seven k is gone, that
Speaker 1: whatever habits or whatever decisions, sometimes we can't control, like
Speaker 1: shit happens, emergencies happen. We got to put some stuff
Speaker 1: on credit. There's no shame in that, but I hope
Speaker 1: that there's something some changes that can be made so
Speaker 1: that hopefully you won't have to get yourself back in
Speaker 1: this situation again. But even if you do, I'm so
Speaker 1: proud because you've already proven I can get myself out,
Speaker 1: you know, I know I can take the steps, I
Speaker 1: can make the changes and put forth the effort to
Speaker 1: get myself out. So snaps for Bianca incredibly incredibly proud.
Speaker 1: All right, So, as a W nine employee independent contractor,
Speaker 1: you know, you have a tougher job because I also,
Speaker 1: you know, running my own business, I do a lot
Speaker 1: of work. Even as an influencer. You know, I'm technically
Speaker 1: an independent contractor for brands that I work with. So anyway,
Speaker 1: I really get this. You don't have four O one K.
Speaker 1: You have to figure out how you're supposed to save
Speaker 1: for retirement, and you've got multiple options. The best thing
Speaker 1: that I did was I taged. I got my two
Speaker 1: my two gurus together, my financial planner Helen and my CPA,
Speaker 1: my accountant Safie. And I got Helen and Safie together
Speaker 1: because I was stressed so much, so stressed out about
Speaker 1: what kind of account do I opened? And then even
Speaker 1: when you choose the type of account, it's like how
Speaker 1: much do you contribute and how I can contribute to
Speaker 1: reduce how much I'm going to pay in taxes. But
Speaker 1: I don't want to contribute so much that I don't
Speaker 1: have enough money to pay my bills, right So they
Speaker 1: have helped me figure that out. And honestly, I'm skipping
Speaker 1: right over anything I might say because your personal situation
Speaker 1: with your finances. That is so you know, it's so
Speaker 1: unique to you, and I don't know enough about you
Speaker 1: to tell you like which account makes the most sense,
Speaker 1: but I highly highly suggest a CPA financial planner duo
Speaker 1: or at least if you're gonna choose between the two
Speaker 1: of them, I would say a CPA. They can help
Speaker 1: you make the best decision taxes wise. But in terms
Speaker 1: of types of accounts, a solo for one K is
Speaker 1: one option. You have the sep I RA self employed
Speaker 1: what does that stand for self employed something sep ira?
Speaker 1: You could open any of those at like any you know,
Speaker 1: major brokerage firm. In terms of how much to be
Speaker 1: putting aside for retirement, I love that you've already ticked
Speaker 1: the box of your three month emergency fund. You know,
Speaker 1: you don't mention if you have family or what your
Speaker 1: you know what your personal life is like. But I
Speaker 1: would say if you are a parent, or if anyone
Speaker 1: relies on you financially, I might say I would encourage
Speaker 1: you to increase that from three months maybe six months,
Speaker 1: and focus on that for now. But if you're happy
Speaker 1: with three months, you feel comfortable with that, And also
Speaker 1: as a contractor. I feel like our finances can sometimes
Speaker 1: be a bit more well, you know, depending on what
Speaker 1: type of work you're getting, if it's consistent or if
Speaker 1: you kind of have to you have lulls, and the
Speaker 1: kind of work that you're getting or the economy can
Speaker 1: impact what kind of work you're getting. You might want
Speaker 1: to have more than three months saved, but let's say
Speaker 1: you're really happy with three months, then I feel like,
Speaker 1: you know, segueing the money that you were putting into
Speaker 1: that savings account and putting it into retirement makes a
Speaker 1: lot of sense. You've been doing so well to pay
Speaker 1: down your credit card debt, so I don't feel like
Speaker 1: if you continue saving on the side as well as
Speaker 1: paining in your credit card debt, you know, you would
Speaker 1: be jeopardizing your ability to pay down that debt or
Speaker 1: like getting yourself off track. Now you have to get
Speaker 1: serious with yourself or not serious, honest with yourself about
Speaker 1: how you're feeling about that debt. The way that you
Speaker 1: talk about I am tired of carrying this with me,
Speaker 1: Like it sounds like you would like to start aggressively
Speaker 1: just attacking that credit card debt now right now. Your
Speaker 1: credit card debt, I don't know what the interest is.
Speaker 1: But let's say you don't have a zero percent interest
Speaker 1: promotional balance transfer card and you have a regular you
Speaker 1: have this like sixty you have eleven thousand dollars on
Speaker 1: a regular credit card or a couple of different credit cards,
Speaker 1: and the aprs are double digits twenty percent plus. Honestly, financially,
Speaker 1: if you look at the math, you're spending a lot
Speaker 1: of money on interest, and it's very unlikely that if
Speaker 1: you were to invest that money for your retirement that
Speaker 1: you would ever make as much of a return in
Speaker 1: the market as you will by saving twenty plus percent
Speaker 1: on your credit card debt. So what I'm trying to
Speaker 1: say is, right now, aggressively paint on your credit card
Speaker 1: debt is actually pretty responsible and smart, like mathematically and fiscally,
Speaker 1: like it's the most expensive debt that you have. I
Speaker 1: would say, keep aggressively paying that down and then once
Speaker 1: it's gone, then you can, you know, shift over to
Speaker 1: retirement savings. And it sounds like mentally, you're there at
Speaker 1: this time and you want to get rid of this debt.
Speaker 1: I personally just paid off a twenty thousand dollars credit card,
Speaker 1: a twenty thousand dollars balance transfer that I had done
Speaker 1: a couple of years ago when I started my business.
Speaker 1: I didn't have to keep that credit debt, but I
Speaker 1: wanted to give myself more cash flow. I wanted to
Speaker 1: be able to have more money in the bank because
Speaker 1: I was launching my own business and I have kids
Speaker 1: and a family and a mortgage and all that. But dang,
Speaker 1: when I tell you, it felt damn good to finally
Speaker 1: be like, Okay, got enough cash flow. I'm paying this
Speaker 1: credit card off, and I was. I feel so much
Speaker 1: lighter and you know, happier even just having it, you know, gone.
Speaker 1: So I can see how like, if you are feeling
Speaker 1: heavy and burdened by this that you want to release
Speaker 1: it and get it paid off. I'm all about that,
Speaker 1: you know. So I just want to acknowledge that. And
Speaker 1: I want to say, if you want to knock out
Speaker 1: that eleven k and focus on that and then you'll
Speaker 1: get to retirement later, go for it, because you are
Speaker 1: saving money, especially if you are, you know, paying off
Speaker 1: credit cards that are recruing interest rapidly. Okay, all right, Bianca,
Speaker 1: thank you so much for your question. Thank you for
Speaker 1: making us a part of your commute, and I'm going
Speaker 1: to take a quick break and be right back with
Speaker 1: question number two from listener Chelsea. All right, ba fam,
Speaker 1: I am back to answer more of your questions on
Speaker 1: this week's be a QA. This question comes from listener Chelsea.
Speaker 1: Chelsea says, hey, ladies, I am twenty six years old
Speaker 1: and currently working in my first full time Big Girl
Speaker 1: career JOm. I'm working on transitioning to another job now.
Speaker 1: I have good credit for my age, and I make
Speaker 1: good money, but I'm always working a bigger bag. I
Speaker 1: have my own small business and very few bills. But
Speaker 1: I want to hear from you, ladies. What would you
Speaker 1: tell your twenty something self, knowing everything that you know now,
Speaker 1: I am very I'm a very proactive person, so I
Speaker 1: am working on getting into personal finance more and planning
Speaker 1: for the future. I love your show and I appreciate
Speaker 1: your advice. You know, Chelsea, this question came at a
Speaker 1: really good time for me because I was just sitting
Speaker 1: the other day in my car on the way to
Speaker 1: pick up dinner or something for the family. I sometimes
Speaker 1: give myself little errands just so I can go be
Speaker 1: alone in the car. Anyone out there also do that?
Speaker 1: Even if I sit in the driveway for like an
Speaker 1: extra ten minutes when I get back, like that is
Speaker 1: precious quiet time for me. But I was reflecting on
Speaker 1: my drive and I was thinking about my three b's,
Speaker 1: the book, deal, the Beyonce, the baby, and I really, yes,
Speaker 1: I'm proud of myself that I accomplished those things this year.
Speaker 1: But I looked back and I was like, you know
Speaker 1: who accomplished that, Baby Mandy when she was twenty four
Speaker 1: and opened her first four oh one K and started
Speaker 1: to invest. She's the one I can thank for the
Speaker 1: ability that I have had to build this life for myself,
Speaker 1: and she's the hero of my story. I'm getting to
Speaker 1: enjoy the fruits of baby Mandy's labor. And as I
Speaker 1: was thinking about that, God, it made me want to
Speaker 1: just like reach back in time and give her such
Speaker 1: a big hug because she worked so hard. I'm still
Speaker 1: working hard right and in another twenty years, ten years,
Speaker 1: I might be looking back and saying, ooh, thirty six
Speaker 1: year old Mandy. She was my queen. She did it
Speaker 1: all for me. But I will always have a soft
Speaker 1: spot in my soft spot in my heart for the
Speaker 1: baby Mandy of my early twenties because when there are
Speaker 1: so many reasons, distractions of opportunities to go a different way,
Speaker 1: to follow the social media pressure to put on a
Speaker 1: big show, go on vacations, you know, show off that
Speaker 1: you're doing well and you got no kids and you're
Speaker 1: having fun, and try to keep up with you know,
Speaker 1: the joneses. At that age, Baby Mandy made a different
Speaker 1: decision and decided I'm going to keep lifestyle inflation out
Speaker 1: of my picture. And lifestyle inflation, as I've said, lifestyle
Speaker 1: creep another word for it, that is like the silent
Speaker 1: killer of wealth. I promise you so many people could
Speaker 1: be genuinely debt free, wealthy well into like early like
Speaker 1: twenties and thirties if they just could beat down lifestyle inflation.
Speaker 1: So if I could go back, I would say, this
Speaker 1: is the best thing that you did, baby girl. Like
Speaker 1: the fact that when you ten x your net worth
Speaker 1: and you ten xt your income by quitting jobs and
Speaker 1: learning how to be a badass negotiator and getting those
Speaker 1: big raises as you jump from job to job and
Speaker 1: move through your career, you didn't let the extra earnings
Speaker 1: drive you to start spending more in places that didn't
Speaker 1: really like they weren't a huge value to you. And
Speaker 1: by that, I mean I wasn't going out and upgrading
Speaker 1: my apartment to get the better you know, the better location,
Speaker 1: the luxury unit with the washer dryer. That living in
Speaker 1: New York City, that's kind of like a status symbol, like, oh,
Speaker 1: you have a washer dryer in your building or in
Speaker 1: your unit. Like, first of all, what do you live Jersey?
Speaker 1: Because that's not happening in Manhattan. But unless you got real, real, real,
Speaker 1: real big money. But you you want to improve your lifestyle.
Speaker 1: You want to go out more for drinks after work,
Speaker 1: You want to you want to go on those vacations,
Speaker 1: you know, you want to go to the Hampton's like
Speaker 1: you see and TV and sex and the city you know,
Speaker 1: in the summertime and escape the city and all of that.
Speaker 1: And you want to be able to do the big
Speaker 1: New Year's Eve celebrations and all the things that you
Speaker 1: you know, think about when you associate with New York
Speaker 1: and what you do here and being in your twenties
Speaker 1: and all of that. But I really got quiet with
Speaker 1: myself in my twenties and I was like, I value
Speaker 1: financial freedom. I never want to go back to that
Speaker 1: fear and anxiety that I felt after I moved to
Speaker 1: New York and I got let go for my very
Speaker 1: first job. I was laid off like three months after
Speaker 1: I joined back in twenty ten, and I never wanted
Speaker 1: to feel like that again. And I said, I value
Speaker 1: feeling safe. I value feeling free to make decisions that
Speaker 1: I want to make, not because I'm desperate to find
Speaker 1: a job to keep my lifestyle. And that is what
Speaker 1: I would tell any twenty something today is start to
Speaker 1: get really clear on what you value, why you are
Speaker 1: making the choices you're making today financially, and how that's
Speaker 1: going to get closer to the goals that you value.
Speaker 1: So for me, I was like, yes, it's nice to
Speaker 1: go out. And don't get me wrong, I had hell
Speaker 1: of fun in my twenties. I had a big ass
Speaker 1: wedding that I paid for cash, thirty thousand dollars wedding
Speaker 1: in Savannah, Georgia that I have no regrets about. But
Speaker 1: I was only able to save up for that wedding
Speaker 1: and I didn't want to take on debt for that wedding.
Speaker 1: By making some serious lifestyle choices to enable me, like
Speaker 1: as I was increasing my income, my husband and I
Speaker 1: moved in with his family for I think we lasted
Speaker 1: about eight months. It was, you know, did what I
Speaker 1: could with my in laws, my future in laws. But
Speaker 1: we were able to save and set aside cash for
Speaker 1: that wedding so that he wouldn't be taking on a
Speaker 1: lot of debt. And that's not the choice that a
Speaker 1: lot of people make when they finally get to you know,
Speaker 1: at the time I was making I had just gotten
Speaker 1: a new job and was making over one hundred and
Speaker 1: fifty thousand dollars a year, and I chose to live
Speaker 1: like a broke like like I did, like I wasn't,
Speaker 1: you know what I mean? And I did it for
Speaker 1: a time so I could give myself something that I valued,
Speaker 1: you know later. So looking back on baby Mandy in
Speaker 1: her twenties, I would say, that's the smartest thing that
Speaker 1: she did. So get clear on your values, Chelsea. What
Speaker 1: do you where do you want to see yourself in
Speaker 1: ten years? And what financial choices can you you make
Speaker 1: now to get yourself there. So for me, it was
Speaker 1: about keeping my debt low and setting early habits to invest.
Speaker 1: And I didn't focus on how much I was setting aside.
Speaker 1: I just focused on or how sorry. I didn't focus
Speaker 1: on how much I was like making in the market.
Speaker 1: I just focused on setting a goal of I'm going
Speaker 1: to be contributing ten percent automatically, and I'm going to
Speaker 1: increase that by one percent each year, and I'm going
Speaker 1: to continue this habit. And the beautiful thing about just
Speaker 1: focusing on the habit of investing and just automating it
Speaker 1: and forgetting it is that as you earn more, like
Speaker 1: you're talking about, I'm working on a bigger bag right now,
Speaker 1: as the bag gets bigger, the cut that you're taking
Speaker 1: for your investments is going to get bigger right along
Speaker 1: with it. And as you grow, you know, get older,
Speaker 1: time goes on, those investments will grow, you know, in shallah,
Speaker 1: hopefully most of the time, they will grow. Right. So,
Speaker 1: if you can just get clear on your values and
Speaker 1: set the habits of saving and investing now, I mean,
Speaker 1: you're already going to be so so far ahead of
Speaker 1: your peers and really stick with those values. And remember,
Speaker 1: like when you start looking and getting tugged in other
Speaker 1: directions and people are trying to get you to do
Speaker 1: this bottomless brunch and take this vacation, like if it's
Speaker 1: not true to you and your goals, like get really
Speaker 1: secure and strong in saying no and setting that boundary
Speaker 1: and letting your friends be a part of your life,
Speaker 1: be a part of your life in other ways that
Speaker 1: are of value to you. You know. For me, I
Speaker 1: like to take vacations. I like to travel with my friends,
Speaker 1: but I was going to keep it small and I
Speaker 1: was going to go with friends who wanted to vacation
Speaker 1: at my level, you know, who weren't going to pressure
Speaker 1: me into like spending extra for first class this, or
Speaker 1: you know, the luxury villa versus the smaller bed and breakfast,
Speaker 1: you know what I mean. So I think that that's
Speaker 1: also really important is making sure that the people you
Speaker 1: surround yourself with respect your values. They don't have to
Speaker 1: have the same values or want the same things you want,
Speaker 1: but they need to respect you and where you're coming from.
Speaker 1: What I also love about you, Chelsea, you personified brown ambition.
Speaker 1: You got your first full time, big, big girl career
Speaker 1: job that you said, but you also have your small
Speaker 1: your own small business on the side, having your own
Speaker 1: source of independent income. Oh baby, Mandy did this in
Speaker 1: her twenties, and I love her for it. She started
Speaker 1: Brown Ambition and you know obviously went on to do
Speaker 1: other creative endeavors that I'm doing now in my thirties.
Speaker 1: But just starting something in your twenties and not thinking
Speaker 1: about I need to maybecome a millionaire. I need to
Speaker 1: have this business, you know, get I need to become
Speaker 1: a unicorn billionaire, you know, billion dollar business, something like that,
Speaker 1: but just starting something like there's no way you're going
Speaker 1: to be able to enjoy the fruits of any labor
Speaker 1: if you never do the labor first, right, And sometimes
Speaker 1: some of us get psyched out by the goal that's
Speaker 1: seeming too large, like if I start a business, it
Speaker 1: has to be perfect, it has to bring in millions,
Speaker 1: you know, But and then you let that psych yourself
Speaker 1: out and you never start it. But just starting to
Speaker 1: plant the seed of some kind of entrepreneurship in your
Speaker 1: in your early twenties, to bring an additional income for
Speaker 1: yourself that's going to give you professional resilience, meaning your
Speaker 1: big girl job it doesn't love you back. I learned
Speaker 1: that very early in my twenties. The job does not
Speaker 1: love you back. So having your own source of find
Speaker 1: like financial your own source of income, so that you
Speaker 1: can protect yourself on top of having savings, having another
Speaker 1: source of income that's not tied to your nine to
Speaker 1: five makes you so much more resilient, So I think
Speaker 1: that that's excellent. I would definitely, you know, give my
Speaker 1: baby Mandy in her twenties, a huge, huge round of
Speaker 1: applause for always kind of staying independent and having something
Speaker 1: of her own, even as I gave my all to
Speaker 1: my employer, saving a little bit for myself as well.
Speaker 1: And I love that you're doing that too. But you's
Speaker 1: not like you're an amazing shape, Chelsea, and I'm so
Speaker 1: damn proud of you, and I can't wait, like right now,
Speaker 1: if I were you, I would just like be have
Speaker 1: a shit eating grin on my face at all times
Speaker 1: because I know for a fact, Chelsea, and you need
Speaker 1: to know this too, that in another ten years, when
Speaker 1: you're my age thirty six, you are gonna be like
Speaker 1: doing it. You're going to be living the life that
Speaker 1: you're dreaming of right now, and you can be like
Speaker 1: me in whatever version of your life you want to
Speaker 1: be in. But reflecting back and saying thank you so much,
Speaker 1: twenty six year old Chelsea for making those choices, because
Speaker 1: now I am thriving and I am loving my life
Speaker 1: exactly as I wanted to. And I wish that for
Speaker 1: so so many of us out there. Right, So you
Speaker 1: got time on your side, good for you. Girl. Listen,
Speaker 1: if you're listening to this show and you're thirty six,
Speaker 1: forty six, fifty six, and you're like, damn it, I
Speaker 1: wish I was Chelsea. Now you still got time. Age
Speaker 1: ain't nothing but a number. But you asked Chelsea about
Speaker 1: something I tell my twenty something self, you know. But
Speaker 1: the trick here is that no matter what age you are, like,
Speaker 1: start telling yourself these lessons now and in another ten
Speaker 1: years we all have you know, we do never know
Speaker 1: how much time we're going to get. We hope we
Speaker 1: have lots of time, right, and I do believe that
Speaker 1: it's never too late to start making changes and start
Speaker 1: changing your approach to money and to your career and
Speaker 1: your finances so that you can thrive and start a
Speaker 1: new you know, a new chapter for yourself. So I
Speaker 1: hope that this was helpful, Chelsea, and thanks for giving
Speaker 1: me a chance to reflect. And you know, pat baby
Speaker 1: Mandy on the shoulder for doing the damn thing. And
Speaker 1: I hope in another ten years I'll be just as
Speaker 1: proud of who I am now, for making the decisions
Speaker 1: that I am now that are going to help me
Speaker 1: continue thriving in my forties and beyond. All Right, that's
Speaker 1: going to wrap up the BAQA for this week, y'all.
Speaker 1: I am Bandy witchrif Santo's aka Mandy Money. I can't
Speaker 1: wait to have Tiffany back with me, but thanks for
Speaker 1: riding with me solo this week again. Send us your questions.
Speaker 1: You can hit us up at Brandambisson podcast at gmail
Speaker 1: dot com or slide into our dms on ig at
Speaker 1: Brand Ambisson Podcast and please, please please leave us review
Speaker 1: on iTunes or where are you listening to what do
Speaker 1: they call it now? Apple podcasts that I just age myself? Whatever,
Speaker 1: where you listening to your podcast right now? Leave us
Speaker 1: a review. Let us know how you're loving this show
Speaker 1: so that other people can find it and we can
Speaker 1: continue slaying in these streets. Okay, y'all, all right, see
Speaker 1: y'all next week. IBA fan