WEBVTT - Ep. 58 — Baby Talk 0:00:18.320 --> 0:00:22.759 It's your go, it's your thing, hey y'all, and we 0:00:23.400 --> 0:00:26.200 are back. So if I do a little bit more 0:00:26.239 --> 0:00:29.440 singing for this Grown Ambition episode, it's because I've got 0:00:29.440 --> 0:00:31.639 my fancy mic and it looks like that old school 0:00:31.680 --> 0:00:32.200 how would. 0:00:32.040 --> 0:00:35.239 You describe our Mike Manny Shmancy. 0:00:35.479 --> 0:00:40.880 Right, fan shmancy, old school like professional him. Then he 0:00:41.159 --> 0:00:43.559 can beat you. I don't know why, but it makes 0:00:43.560 --> 0:00:45.800 me want to sing like those like old and Vogue songs. 0:00:45.840 --> 0:00:49.400 All right, well, we need you to send it down. 0:00:50.040 --> 0:00:51.000 And caress the mic. 0:00:54.960 --> 0:00:59.680 Oh, this is the weekend quiet storms, I know right. 0:01:01.040 --> 0:01:03.440 We can say welcome next to grab a mission podka? 0:01:03.560 --> 0:01:07.840 Where is silly? Silly? No one takes us seriously. I 0:01:07.840 --> 0:01:12.640 don't understand why they take us seriously. Well, the weekend 0:01:12.680 --> 0:01:15.080 was good. This is This has been the most Monday 0:01:15.319 --> 0:01:18.400 Monday I've ever had. Like I lost my keys this morning. 0:01:19.760 --> 0:01:22.320 I got into work till like three different fires I 0:01:22.319 --> 0:01:25.160 had to put out. So Monday kicked my butt. But 0:01:25.200 --> 0:01:28.040 the weekend was fine. The weekend was The weekend was 0:01:28.120 --> 0:01:32.560 almost like too chillax, like they were. We were almost 0:01:32.600 --> 0:01:34.880 stressed out by how little we had to do. It's 0:01:34.880 --> 0:01:38.679 been such a hectic past two months of like weddings 0:01:38.720 --> 0:01:41.440 and traveling and you know how it is, and I 0:01:41.480 --> 0:01:43.800 feel like this was the first quiet weekend in about 0:01:43.800 --> 0:01:46.479 two months, and we just were like, what do we 0:01:46.800 --> 0:01:49.480 do with ourselves? Do you want to go see a movie? 0:01:49.520 --> 0:01:51.440 I don't know, that seems like far place. I don't 0:01:51.440 --> 0:01:53.440 feel like it's kind of far to go to a movie. Well, 0:01:53.520 --> 0:01:55.680 let's do Netflix. What are we going to watch? And 0:01:55.720 --> 0:01:57.920 we just it was just it was weird. It was 0:01:57.920 --> 0:01:58.600 creepy weird. 0:01:59.280 --> 0:02:02.000 My weekend was the opposite of to I have not had, 0:02:02.120 --> 0:02:06.600 like I feel like I've just been so like hectic, 0:02:06.640 --> 0:02:08.280 but not even in a bad way, because sometimes there's 0:02:08.280 --> 0:02:10.880 technic and I'm like miserable with it because I'm just like, 0:02:11.000 --> 0:02:13.360 you can't add so overwhelmed. But it's been on so 0:02:13.440 --> 0:02:16.359 much good stuff. So I decided to write. Well, I 0:02:16.440 --> 0:02:19.800 decided a little while ago to do a children's book, 0:02:20.080 --> 0:02:23.120 and now I have almost three, like just out of 0:02:23.120 --> 0:02:26.880 the blue, I just got a surge. So what I 0:02:26.880 --> 0:02:30.400 worked on this weekend is I'm doing a book. I 0:02:30.440 --> 0:02:33.680 really want to highlight brown fathers and their kids, because 0:02:33.680 --> 0:02:37.320 you know, there's that terrible myth that Brown fathers do 0:02:37.360 --> 0:02:41.040 not spend time with their children. But I also want to, 0:02:41.080 --> 0:02:43.000 you know, I want it to be a finance book 0:02:43.040 --> 0:02:45.600 for kids in a way, but something that's age appropriate. 0:02:45.720 --> 0:02:50.000 So I had this amazing photographer that shoots all around 0:02:50.040 --> 0:02:53.120 the world, and somehow I convinced him to bless me 0:02:53.200 --> 0:02:55.640 with his amazing skills. His name is Nima et Sebar. 0:02:56.320 --> 0:02:59.640 And this weekend we shot all of these brown fathers 0:02:59.680 --> 0:03:02.480 inter with their kids. And one of the books is 0:03:02.520 --> 0:03:05.320 called The Cost of a Coney's Day, And a Coney 0:03:05.440 --> 0:03:07.680 is this little nine year old boy who is adorable. 0:03:08.120 --> 0:03:11.000 His father, Vaja, is a friend of mine and they 0:03:11.040 --> 0:03:14.400 hang out on the weekends, and we shot them this 0:03:14.440 --> 0:03:17.920 weekend just like doing what they normally do, taking the train, 0:03:18.120 --> 0:03:22.880 eating pizza, you know, getting a Red Box video, walking 0:03:22.880 --> 0:03:26.919 through the park, you know, skateboarding. And so we're going to, 0:03:27.200 --> 0:03:29.440 like the reader, like whatever little boy or girl is 0:03:29.480 --> 0:03:30.880 going to read this book is going to be able 0:03:30.919 --> 0:03:33.560 to follow a Baja, my friend and his son of 0:03:33.600 --> 0:03:37.040 Coney throughout their day and at different kind of interludes, 0:03:37.360 --> 0:03:40.280 guess how much that activity costs. And on the next 0:03:40.280 --> 0:03:42.920 page it'll say it'll say something like Baja and his 0:03:43.040 --> 0:03:45.760 son a Coney love pizza. Can you guess how much 0:03:45.800 --> 0:03:47.680 a slice of pizza costs? And then the next page 0:03:47.680 --> 0:03:49.640 it'll tell you. So it's like a fun way to 0:03:49.720 --> 0:03:52.120 kind of follow this father and son as they spend time, 0:03:52.400 --> 0:03:54.480 but then also learned about the cost of things. And 0:03:54.520 --> 0:03:56.680 some of the things are free, some cost a little 0:03:56.720 --> 0:03:58.320 bit more, some cost a little less. 0:03:58.720 --> 0:04:02.440 So it'll be like a photo book with photos by 0:04:02.480 --> 0:04:03.800 this guy, not like a cartoon. 0:04:04.120 --> 0:04:06.160 Yeah, not like a cartoons. I thought it'd be really dope, 0:04:06.200 --> 0:04:09.000 you know, to show real life father and son and 0:04:09.160 --> 0:04:13.200 to get a photographer that is like a legit photographer, 0:04:13.200 --> 0:04:15.720 because I want to also raise the level of art 0:04:15.800 --> 0:04:17.680 in kids' lives, you know. So it's like, you know, 0:04:17.760 --> 0:04:22.520 you're getting this beautiful photography from a world renow photographer, 0:04:22.760 --> 0:04:24.800 but it's in a kid's book, So your four year old, 0:04:25.080 --> 0:04:27.520 you know, gets to be elevated in art as well 0:04:27.520 --> 0:04:30.720 as learn about money and learn that fathers spend time 0:04:30.760 --> 0:04:31.520 with their kids. 0:04:32.080 --> 0:04:32.840 That's nice. 0:04:33.560 --> 0:04:34.200 I'm excited. 0:04:35.200 --> 0:04:37.960 Thanks for making me feel crappy for my laid back weekend. 0:04:39.080 --> 0:04:41.839 Now, I don't know, it's just it's been Do. 0:04:41.839 --> 0:04:43.479 You want to hear about Jane's virgin. 0:04:45.520 --> 0:04:48.279 I wish but I just been so I have been 0:04:48.320 --> 0:04:51.679 doing like Porsu ran like the other day, like meanwhile, 0:04:51.720 --> 0:04:53.720 I've been home. It's not like, you know, I work 0:04:53.760 --> 0:04:55.760 from home largely. I do have my office now, but 0:04:55.839 --> 0:04:57.880 it's not like we don't see each other like every 0:04:57.880 --> 0:04:59.640 twenty minutes. And the end of the day. He looked 0:04:59.680 --> 0:05:03.040 at me, said, I miss you, and I go que 0:05:03.080 --> 0:05:05.400 bad because it's like I'm here but not here, and 0:05:05.400 --> 0:05:07.960 I'm like, okay, I need to get a personal assistant. 0:05:08.640 --> 0:05:09.520 That's what I decided. 0:05:09.600 --> 0:05:12.320 That's why you're aren't you hiring I am. 0:05:12.760 --> 0:05:15.359 I just cannot do this alone like I and not 0:05:15.680 --> 0:05:18.400 like a of course it would be some sort of 0:05:18.400 --> 0:05:20.919 like budget needs to work involved too, but honestly, I 0:05:20.960 --> 0:05:22.920 need someone who I'm like, could you please take this 0:05:22.960 --> 0:05:25.479 to the to the mail for me? You know, could 0:05:25.520 --> 0:05:28.400 you please plick up my dry cleaning? Can you send 0:05:28.400 --> 0:05:31.200 out this invoice? So like a mix between like my 0:05:31.360 --> 0:05:35.120 personal assistant for Tiffany and assistant some assistant stuff for 0:05:35.160 --> 0:05:38.279 the budgetista. But I need someone in person in Jersey, 0:05:38.360 --> 0:05:41.760 like someone you know, who doesn't live far from Newerk, 0:05:42.160 --> 0:05:47.000 who would work with me basically not full full time, 0:05:47.040 --> 0:05:48.720 but basically kind of full time. I don't know if 0:05:48.720 --> 0:05:51.919 it'd be hourly or salary wise, but I've been setting 0:05:51.960 --> 0:05:53.880 inside the money for it because I told myself I'm 0:05:53.880 --> 0:05:57.080 not going to go into twenty seventeen without help, because 0:05:57.120 --> 0:06:01.240 I've just been so overwhelmed because I'm getting the work done, 0:06:01.279 --> 0:06:03.120 but it's suffering like home life. I'm like, you know, 0:06:03.600 --> 0:06:05.320 these babies are not going to make themselves. 0:06:05.800 --> 0:06:07.920 It's hard to hire help when you need it, like 0:06:08.120 --> 0:06:10.200 you know, next level help because you have like virtual 0:06:10.200 --> 0:06:12.520 assistance and stuff. But I was at a I was 0:06:12.560 --> 0:06:15.159 got a talk with some female entrepreneurs and someone asked 0:06:15.160 --> 0:06:18.159 her what was the most difficult part of starting a business, 0:06:18.200 --> 0:06:21.000 and she was like, knowing when to hire help, like 0:06:21.040 --> 0:06:22.200 exactly what you're talking. 0:06:22.000 --> 0:06:25.839 About, yeah, because you feel kind of like weird, like girl, 0:06:25.960 --> 0:06:27.640 you don't need somebody to go to the post office 0:06:27.680 --> 0:06:30.880 for you, exactly. And it's not until like I go 0:06:31.040 --> 0:06:33.440 and I run errand and then two hours later, I'm like, 0:06:33.480 --> 0:06:35.320 oh my gosh, I did not do the presentation and 0:06:35.360 --> 0:06:37.920 the propos I'm supposed to do because I'm out here 0:06:38.240 --> 0:06:41.080 doing things that you know, I can hire someone to do. 0:06:41.200 --> 0:06:43.320 And so that's what I you know, I'm not giving 0:06:43.320 --> 0:06:47.120 myself any grief over it. I'm hiring and I'm setting aside, 0:06:47.880 --> 0:06:50.919 you know, money for because it's just it has to 0:06:50.920 --> 0:06:53.520 be done, because like I said, if it was just 0:06:53.560 --> 0:06:55.560 me and I was single, I wouldn't need it. But 0:06:55.800 --> 0:06:58.000 if I'm going to make time for my family, then 0:06:58.160 --> 0:06:59.159 I have to get help. 0:06:59.680 --> 0:07:03.120 Yeah. Oh, I am like ninety seven percent sure we're 0:07:03.160 --> 0:07:06.760 gonna have to hire like a maid because I can't. 0:07:06.880 --> 0:07:10.360 I won't do it. I can't. I struggle with it, 0:07:10.520 --> 0:07:15.520 you know, I uh yeah, I I feel like there's 0:07:15.520 --> 0:07:17.400 still a little bit of the expectation. And I do 0:07:17.520 --> 0:07:21.200 live with my mother in law, my future mother in law, 0:07:21.240 --> 0:07:22.520 and I do feel like there's still a little bit 0:07:22.560 --> 0:07:25.240 of an expectation even though you know, we both work 0:07:25.960 --> 0:07:29.280 for me to chip in a little bit differently, like 0:07:29.320 --> 0:07:32.800 in different ways, and uh not that you know fiance 0:07:32.920 --> 0:07:38.160 boo ever sort of you know, has that expectation, like 0:07:38.840 --> 0:07:40.640 you know, he'd never be like you know, I expect 0:07:40.720 --> 0:07:42.680 dinner on the table at seven and this and that 0:07:42.760 --> 0:07:45.120 and this and that. But you know, there's just things 0:07:45.160 --> 0:07:47.160 about me that are never gonna change, Like I'm never 0:07:47.200 --> 0:07:51.480 gonna iron things, I'm never gonna want to make beds 0:07:51.840 --> 0:07:56.000 or like cleaned a bunch of dishes, like and it's 0:07:56.080 --> 0:07:57.960 you know, I feel like I sort of at this 0:07:58.040 --> 0:08:00.640 point when I come home super late, you know, work 0:08:00.680 --> 0:08:04.040 really hard. I you know, why make yourself do it 0:08:04.080 --> 0:08:05.840 if you can, you know, if you worked hard and 0:08:05.880 --> 0:08:07.800 you can afford to have someone sort of help out, 0:08:08.400 --> 0:08:10.280 you know, And it's sort of like, you know, I 0:08:10.680 --> 0:08:13.840 know intellectually that I should be able to get that 0:08:13.920 --> 0:08:16.520 kind of help. But then on the other side, it's like, well, 0:08:16.520 --> 0:08:18.120 you know, why can't I just do it all? Like 0:08:18.160 --> 0:08:20.840 why can't I just handle it, like do the work 0:08:20.840 --> 0:08:22.640 and then come home and just you know, figure it out. 0:08:22.640 --> 0:08:25.240 But I don't even have kids yet, and I'm struggling. 0:08:25.320 --> 0:08:27.000 Like you should see the room moment right now. It 0:08:27.080 --> 0:08:30.440 is embarrassing. It's embarrassing. 0:08:31.080 --> 0:08:33.240 Well, I was like, so, Superman, you're gonna be upstairs 0:08:33.280 --> 0:08:35.160 or you're gonna be downstairs. Okay, so if you're gonna 0:08:35.160 --> 0:08:39.280 be upstairs, don't come down until and I'm just like 0:08:39.480 --> 0:08:41.880 and even then I came home, I'm like, isee dinner. 0:08:42.280 --> 0:08:46.560 He's like yeah, I'm like, I mean he's an adult, 0:08:46.600 --> 0:08:48.600 so you know, he can make food for himself. But 0:08:49.040 --> 0:08:52.760 I'm finding that he's doing more than his fair shared, 0:08:53.040 --> 0:08:56.600 and I always feel guilty, always like it's not even 0:08:56.600 --> 0:08:58.800 the work that's suffering. I'm just like and I'm always 0:08:58.840 --> 0:09:02.120 like on pins needles that he's gonna be like, oh, 0:09:02.120 --> 0:09:04.680 but he never is, which makes me even feel more guilty. 0:09:05.280 --> 0:09:08.480 He's nice, I know, but and I are both ad 0:09:08.480 --> 0:09:11.880 at domestic stuff, so it's like we're like yelling at 0:09:11.920 --> 0:09:13.240 each other, like why don't you make the bed, why 0:09:13.240 --> 0:09:16.880 don't you make the bood? Like making beds well suda white, 0:09:16.920 --> 0:09:17.960 So who's gonna do it? 0:09:18.400 --> 0:09:21.280 He's like meat free, so he's always mopping and mopping. 0:09:21.400 --> 0:09:23.160 I'm like, yo, son, one thing I won't be doing 0:09:23.200 --> 0:09:27.080 is mopping. I just can't thish is mopping laundry. This 0:09:27.160 --> 0:09:31.600 is I'm like, oh, super bad. I'm sorry. Why nice? Though? 0:09:32.280 --> 0:09:33.040 Nice? 0:09:33.400 --> 0:09:35.360 I know, but I'm like how long before He's like, 0:09:35.400 --> 0:09:39.120 I've had it up to here with you. No, but 0:09:39.120 --> 0:09:40.679 I'm gonna get it together. And he was like, so 0:09:40.760 --> 0:09:43.120 if you get a personal assistant, well should be doing 0:09:43.160 --> 0:09:45.160 laundry for us. I'm like, don't get don't don't get 0:09:45.160 --> 0:09:48.520 your panties in the bundle. Now that we can hire 0:09:48.559 --> 0:09:50.080 a service like, you know you can pay people to 0:09:50.080 --> 0:09:51.320 pick up your laundry from the house. 0:09:51.720 --> 0:09:53.400 Yeah, but I mean at that extra time you have 0:09:53.480 --> 0:09:56.400 on your hands, you can be making money instead of Yeah, 0:09:56.960 --> 0:09:58.240 time is money. 0:09:58.240 --> 0:09:59.840 No, it is, for sure, it's money. 0:10:00.760 --> 0:10:04.560 You want to get in some buzzworthies buzz worthy. Everybody's 0:10:04.600 --> 0:10:08.120 buzz buzz buzzing. So we have to get I guess oh, 0:10:08.320 --> 0:10:09.840 at the top of the show, I wanted to we 0:10:09.840 --> 0:10:13.160 wanted to mention something important because we always forget to 0:10:13.160 --> 0:10:15.760 do call outs at the beginning and to get too excited. 0:10:17.040 --> 0:10:19.600 What now, I said, I forgot. I'm glad you remember. 0:10:19.760 --> 0:10:19.960 I know. 0:10:20.080 --> 0:10:21.719 I had a big fat note in the middle of 0:10:21.760 --> 0:10:25.160 my note saying please say this. So we've been getting 0:10:25.200 --> 0:10:27.120 a lot of questions from you guys, and a lot 0:10:27.120 --> 0:10:31.560 of interest in capital D debt. Everybody's got debt. It's 0:10:31.559 --> 0:10:33.839 that dirty little secret hiding in all of our closets. 0:10:34.600 --> 0:10:38.199 And we want to sort of create some show specific 0:10:38.840 --> 0:10:42.160 around types of debt, and we want more and more questions. 0:10:42.200 --> 0:10:44.760 If you have student loan debt, questions, if you have 0:10:45.240 --> 0:10:50.400 questions about relationships and debt, family and debt. You know, 0:10:50.400 --> 0:10:54.720 we've talked about settling debt before credit debt, all different 0:10:54.720 --> 0:10:57.840 flavors of debt. We want your questions, and you can 0:10:58.040 --> 0:11:02.000 go to broad Ambition podcast dot com and submit your 0:11:02.080 --> 0:11:05.080 questions on the super easy form there and look out 0:11:05.120 --> 0:11:08.040 for the next couple of months. This is holiday seasons 0:11:08.080 --> 0:11:11.000 coming up, so this is gonna be very good time 0:11:11.080 --> 0:11:13.240 how to avoid all that holiday debt and then if 0:11:13.280 --> 0:11:15.280 you know you slip your trip, you're getting a little 0:11:15.280 --> 0:11:18.120 bit of debtor on the holidays. Hopefully it will help 0:11:18.160 --> 0:11:19.960 you with some tools that can carry you into the 0:11:20.000 --> 0:11:23.400 new year and get that debt off youelback. 0:11:24.320 --> 0:11:26.640 Yep, we're here to help you with the d. 0:11:27.600 --> 0:11:34.360 Oh Tiffany, that was the raunchy one. Well, somebody got 0:11:34.400 --> 0:11:38.560 a ring on her finger. That's funny. That's what I'm 0:11:38.559 --> 0:11:43.719 gonna call the show. You gonna help you with the 0:11:43.880 --> 0:11:44.640 d debt? 0:11:45.640 --> 0:11:47.120 I know exactly. Gotta makes me put it. 0:11:47.480 --> 0:12:01.520 Hey, hey, no, I'm really excited because we get so 0:12:01.559 --> 0:12:04.520 many questions and our most popular episodes have been where 0:12:04.520 --> 0:12:08.920 we mentioned debt, and you can never have enough debt 0:12:08.920 --> 0:12:12.480 shows apparently, So we're listening, we're hearing you. Send us 0:12:12.480 --> 0:12:14.760 your questions again. You can go to brown Ambition podcast 0:12:14.880 --> 0:12:17.800 dot com and submit questions there. We read all of 0:12:17.840 --> 0:12:21.200 them and hopefully you will have your question answered on 0:12:21.240 --> 0:12:21.559 the show. 0:12:22.520 --> 0:12:25.280 Exactly. I got to bring that back. That's the Emmanuel. 0:12:25.400 --> 0:12:26.440 That's my sister's Susan. 0:12:26.760 --> 0:12:28.800 I'm hating that there's no hey, hey hey this week. 0:12:29.160 --> 0:12:30.959 I know you know what I mean. I'm gonna bring 0:12:30.960 --> 0:12:32.880 it out when I feel like it. Don't rush me you, okay. 0:12:34.240 --> 0:12:36.560 I want you to feel it when you feel it, 0:12:37.120 --> 0:12:40.640 want to be forced. I read some I read a 0:12:40.679 --> 0:12:43.440 really kind of depressing headline. I guess it's not so shocking, 0:12:43.480 --> 0:12:45.480 but it's one thing when you kind of know it 0:12:45.840 --> 0:12:47.560 in your mind, but when you read it in print, 0:12:47.600 --> 0:12:50.760 it's different. But this was a study done by the 0:12:50.800 --> 0:12:56.040 Brickings Institute, which is a really renowned research research think tank, 0:12:56.320 --> 0:12:59.360 and they found that they kind of looked at how, 0:12:59.720 --> 0:13:02.480 like everyone knows, student loan debt is a huge issue. 0:13:02.520 --> 0:13:05.040 People graduate with close to thirty thousand dollars in student 0:13:05.080 --> 0:13:07.840 loan debt on average, but when you break it down 0:13:07.960 --> 0:13:11.800 by race, it's pretty shocking to see where that disparity 0:13:11.840 --> 0:13:14.560 gets even bigger when you talk about black students who 0:13:14.600 --> 0:13:17.520 graduate from college versus white students and how much debt 0:13:17.559 --> 0:13:21.640 they have. So the Brookings Institute found are you ready? 0:13:22.240 --> 0:13:25.600 I'm They found that the black white disparity in student 0:13:25.640 --> 0:13:31.959 loan debt more than triples triples. After graduation, Black college 0:13:31.520 --> 0:13:35.920 graduates owe seventy four hundred dollars more on average than 0:13:35.960 --> 0:13:40.319 their white peers twenty three thousand dollars versus only sixteen 0:13:40.400 --> 0:13:44.600 thousand dollars. Over the next two years, though that gap 0:13:44.760 --> 0:13:49.719 more than triples to opping twenty five thousand dollars. They 0:13:49.720 --> 0:13:53.560 say the differences are pretty much attributed to accruing interest 0:13:54.920 --> 0:13:59.320 and the fact that black graduates, Black students in undergrad 0:13:59.400 --> 0:14:01.760 and graduate school are more likely to take out student 0:14:01.800 --> 0:14:06.560 loan debt. Okay, there's less household wealth and so there's 0:14:06.640 --> 0:14:11.600 less help for college expenses. But that kind of blew 0:14:11.600 --> 0:14:14.040 my mind because you know, I mean, I write about 0:14:14.040 --> 0:14:15.439 student loan debt all the time, and you kind of 0:14:15.440 --> 0:14:17.400 write it as if it's this whole thing kind of 0:14:17.440 --> 0:14:20.840 impacting everyone, but not the same, not the same. Like 0:14:20.880 --> 0:14:23.400 so many other issues in personal finance, it gets much 0:14:23.440 --> 0:14:27.600 tougher when you look at it along racial lines. Yeah, 0:14:27.600 --> 0:14:29.840 it just goes to show that people in those communities, 0:14:29.920 --> 0:14:33.880 like we need to the education is so necessary a 0:14:33.880 --> 0:14:37.840 lot more for minority borrowers, it seems, even because the 0:14:37.920 --> 0:14:40.000 debt loads are so huge, and man, when I see 0:14:40.080 --> 0:14:42.920 numbers like that, like seventy four hundred dollars more may 0:14:42.960 --> 0:14:45.040 not sound like a lot, but when you say you're 0:14:45.080 --> 0:14:48.640 paying seven thousand more over twenty five you know year repayment, 0:14:48.840 --> 0:14:51.400 that's a lot of interest. It is in the long 0:14:51.480 --> 0:14:54.080 run that you know, a white graduate is not dealing 0:14:54.080 --> 0:14:57.480 with and that's eating into your earnings for future. 0:14:59.080 --> 0:15:03.280 We should get my my friend Angela, Angela howse She's 0:15:03.360 --> 0:15:05.920 like the walking student loan. 0:15:07.240 --> 0:15:10.240 Encyclopedia every time and where is she at? 0:15:10.240 --> 0:15:17.280 Though? So I'm always like, Angela, we get this stuff 0:15:17.280 --> 0:15:19.320 from this woman. It's like, I'm like, do you just 0:15:19.480 --> 0:15:24.480 like memorize every scholarship student loan opportunity? And I do? 0:15:24.560 --> 0:15:25.920 I do have to like, yeah, well, you know, I 0:15:25.960 --> 0:15:27.680 have the eighty mind of an eight year old, like 0:15:27.720 --> 0:15:29.840 my memory. But I would love to have her on 0:15:29.960 --> 0:15:33.600 because that is the thing that one of what makes 0:15:33.760 --> 0:15:35.840 student loans sometimes a little bit difficult is that the 0:15:35.920 --> 0:15:39.000 laws and the rules and the grants and the scholarships 0:15:39.000 --> 0:15:41.720 are changing constantly. And she keeps uping that she like 0:15:41.840 --> 0:15:44.720 enjoys it, Like, you know, she started just helping her 0:15:44.800 --> 0:15:47.239 kids and then her kids friends, and then it grew 0:15:47.720 --> 0:15:50.040 and then on top of that, you know, she knows 0:15:50.040 --> 0:15:53.000 how to break it down. And I'm like, oh, so, yeah, 0:15:53.000 --> 0:15:54.480 I'm gonna we should have her on because she's just 0:15:55.000 --> 0:15:58.200 I'm always like, Angela, You're like the rain man of 0:15:58.320 --> 0:15:59.080 student loan that. 0:16:01.840 --> 0:16:04.800 Yeah, I'm curious because at the I mean, it's it's 0:16:05.440 --> 0:16:07.920 i mean, once you have the debt, it's it's the debt, 0:16:07.960 --> 0:16:10.680 like it's there. It's hard to like get rid of it. 0:16:10.680 --> 0:16:13.520 It's more just like the education to know how to 0:16:13.560 --> 0:16:17.000 manage it, you know. And when you think about black 0:16:17.080 --> 0:16:21.440 African American graduates having more debt than other racial groups, 0:16:21.680 --> 0:16:23.080 I mean you also have to think about the fact 0:16:23.080 --> 0:16:25.880 that we tend to earn less than other groups too, 0:16:25.920 --> 0:16:29.600 So it's like, let lower earnings plus more debt equals 0:16:29.680 --> 0:16:33.640 hello how like and rising costs every other area. So 0:16:33.680 --> 0:16:35.800 it's it's a it's a struggle. 0:16:37.200 --> 0:16:37.440 Yeah. 0:16:37.640 --> 0:16:39.360 I mean, if you have student loan done questions, maybe 0:16:39.360 --> 0:16:41.600 we can have angelin for the student loan debt episode. 0:16:41.920 --> 0:16:43.720 I would love that, like, send in your student loan 0:16:43.760 --> 0:16:46.320 debt questions because we you know, we can definitely have on. 0:16:46.400 --> 0:16:47.440 I know she'd loved it. 0:16:47.400 --> 0:16:51.160 Because we've been hearing about her for weeks. I know 0:16:51.440 --> 0:16:52.600 the people have questions. 0:16:54.080 --> 0:16:56.200 So if you really would like for Angela to come on, 0:16:56.480 --> 0:16:59.160 ask your like, you know, flutter inbox with your questions 0:17:00.120 --> 0:17:02.800 podcast dot com dot com. 0:17:03.040 --> 0:17:05.320 Well we just we just flipped rolls just then. 0:17:05.840 --> 0:17:08.440 I know, because you only did you did my dot 0:17:09.160 --> 0:17:11.280 It's so crazy now because I don't have to remember 0:17:11.640 --> 0:17:14.840 like our Twitter, our Facebook, our email. Everything is at 0:17:14.840 --> 0:17:16.719 Brown Ambition podcast dot com. 0:17:16.800 --> 0:17:21.000 A utiful new website, freshly signed I love it by 0:17:21.040 --> 0:17:24.800 the lovely Terry Lee Tarry. Terry Lee Taylor. Sorry, Terry Girl, 0:17:25.080 --> 0:17:31.240 My bad. You know we haven't discussed though, is uh 0:17:31.320 --> 0:17:33.479 the dress that broke the internet? 0:17:33.840 --> 0:17:34.159 Who? 0:17:34.200 --> 0:17:39.520 Michelle, Yes girl, Michelle Obama. Yeah, I was just going 0:17:39.560 --> 0:17:42.040 to dinner. Yeah, so she thought she would throw on 0:17:42.960 --> 0:17:47.639 MultiPark number a rose gold chain mail Versace Wait it 0:17:47.680 --> 0:17:52.200 was Versace right, Versace evening gown just to go to dinner. 0:17:52.240 --> 0:17:55.040 Basically wearing my dream wedding dress just to go to dinner. 0:17:55.640 --> 0:17:57.280 Just done on you. 0:17:58.520 --> 0:18:01.880 She couldn't if they had just like gotten on Air 0:18:01.920 --> 0:18:03.960 Force one and just like left the country like sorry, 0:18:04.040 --> 0:18:06.080 eight years up by leave, taking a year, taking a 0:18:06.080 --> 0:18:08.200 month off early. That would have been the perfect moment, 0:18:08.359 --> 0:18:11.480 just like Mike drop on this presidency because they will 0:18:11.520 --> 0:18:14.960 never be another first family like this one. 0:18:15.119 --> 0:18:16.360 Now ever, ever, ever. 0:18:16.400 --> 0:18:19.480 Ever, classy sexy. 0:18:19.600 --> 0:18:22.280 Yes, I said it, yes, because first of all, when 0:18:22.280 --> 0:18:24.720 Schaelle turned around, I said, if you don't give us 0:18:25.000 --> 0:18:28.560 that bottom, get it to these yams. You see it. 0:18:28.840 --> 0:18:30.280 This is Chicago bull. 0:18:30.880 --> 0:18:33.600 This is from the first time her butt, her dairy, 0:18:33.680 --> 0:18:35.679 and her assets have been talked about. Remember that what 0:18:35.760 --> 0:18:38.880 was the photo? She was it essence, where like her 0:18:38.920 --> 0:18:39.720 butt became. 0:18:39.480 --> 0:18:43.560 A meme because it was the shadow, the shadow that 0:18:43.600 --> 0:18:46.120 her behind cast just put out the sun. For a minute, 0:18:46.160 --> 0:18:48.959 we were like, hold on, Michelle, we forget that Michelle. 0:18:49.359 --> 0:18:51.960 Michelle is full fledged African American. All of them, like, 0:18:52.040 --> 0:18:54.960 you know, like her ancestors are resting in those jams. 0:18:55.000 --> 0:18:59.960 I said, Okay, I've never heard then called yam. 0:19:01.320 --> 0:19:03.280 You never heard them called no damn? 0:19:04.800 --> 0:19:07.080 Well that no, I mean the internets have been calling 0:19:07.119 --> 0:19:10.240 them the games. I'm like, I think that's what it's down. Yeah. 0:19:10.280 --> 0:19:13.480 So yeah, so she is just I mean, honestly, she's 0:19:13.520 --> 0:19:15.960 just a beautiful woman, and I just I mean, she's 0:19:16.000 --> 0:19:19.200 got a beautiful body. Speaking of which, this morning, I 0:19:19.240 --> 0:19:21.480 woke up and I took a look at my stomach 0:19:22.080 --> 0:19:27.800 and I said, enough enough, I need to get that Manny. 0:19:28.600 --> 0:19:29.760 What happened to your voice? 0:19:29.800 --> 0:19:31.520 What happened to your trainer? I thought you were seeing 0:19:31.520 --> 0:19:31.959 a trainer. 0:19:32.840 --> 0:19:35.000 I was, and then LIKEE got in the way and 0:19:35.840 --> 0:19:38.960 your life. I remember this, and then it was like 0:19:39.040 --> 0:19:40.720 one week happened and then the next week I skip 0:19:40.760 --> 0:19:42.720 it the next time before I knew it, I just 0:19:42.760 --> 0:19:49.680 watched her on the Instagram training everybody out, and I'm like. 0:19:47.760 --> 0:19:50.520 That awkward X who you kind of like still follow 0:19:50.560 --> 0:19:52.720 on Instagram, but you hope they don't like know your following. 0:19:53.800 --> 0:19:55.880 I know she's like, I'm like, I hope that she's 0:19:55.920 --> 0:19:57.680 not looking at my pictures, like look look at him, 0:19:57.680 --> 0:19:59.959 for she done lost all the progress I put on. 0:20:01.760 --> 0:20:05.440 And so yeah, I call my friend Vodja this morning, 0:20:05.480 --> 0:20:07.359 who's like super health not and I was like, WATCHA 0:20:07.920 --> 0:20:10.399 tell me what to eat for breakfast, lunching, dinner, and 0:20:10.440 --> 0:20:13.600 he did. And so I went to food shopping and 0:20:13.640 --> 0:20:16.199 I got myself just like together, and I mean, I 0:20:16.240 --> 0:20:17.760 know what to eat and I just said I can't. 0:20:17.760 --> 0:20:19.399 So today, actually it was a really good day. I 0:20:19.440 --> 0:20:22.720 did not cheat today. I actually enjoyed what I ate, 0:20:22.760 --> 0:20:25.000