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Speaker 1: Hey, hey, hey, ooh that wasn't pretty. So we're back

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Speaker 1: and we're black. I'm Tiffany.

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Speaker 2: I tried it and they don't always work, but trying

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Speaker 2: is important.

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Speaker 1: Yes, I don't have the range. She doesn't have the.

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Speaker 2: Range Hell happy brand Ambisson Wednesday.

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Speaker 1: Yes it is, except I'm mad at Bank of America.

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Speaker 2: Oh I mean who isn't? But why in particular are

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Speaker 2: you upset at Bank of America?

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Speaker 1: So I have a credit card. I know people are

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Speaker 1: like Bank of America, Why Tiffany bear with me. It's

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Speaker 1: my first credit card ever, got when I was like eighteen,

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Speaker 1: so you know, I'm trying to keep my credit history

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Speaker 1: part of my credit so, you know, like up and running.

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Speaker 1: And I really don't use it often, but I was like,

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Speaker 1: you know what I wanted to buy. I had to

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Speaker 1: I had to get tile for the kitchen, and I

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Speaker 1: was like, oh you know what, I didn't have any

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Speaker 1: other card on me. I was like, you know, I'm

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Speaker 1: just gonna use my Bank of America card. My my

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Speaker 1: contract was like we need the tile asap. Ordered it fourteenth.

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Speaker 1: It was supposed to be delivered. It didn't come, So

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Speaker 1: I go on you know, like home depail dot com

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Speaker 1: and it said you know, yes, your order was canceled,

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Speaker 1: and I'm like, canceled. I didn't might order is successful cancer,

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Speaker 1: I didn't cancel. So it turns out Bank of America

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Speaker 1: was like, mm who this But here's the thing. Normally

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Speaker 1: I'd be like, yay, did the right thing, but Mandy,

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Speaker 1: I called all them the day I used it because

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Speaker 1: I said, you know what this might look like fraud. Hi,

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Speaker 1: Bank of America. My name is Tiffany. I have all

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Speaker 1: the pertinent information you need. I'm about to use my

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Speaker 1: card for a tile. Is everything good? Everything's good, Tiffany,

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Speaker 1: I don't.

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Speaker 2: I don't understand call the robots, because you know, the

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Speaker 2: robots are the one that do that.

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Speaker 1: You know. I was so because I was like, and

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Speaker 1: so now, I mean, now it's not coming until like

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Speaker 1: this Thursday or Friday. But I was so pissed because

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Speaker 1: He's like, it holds everything up, you know. So yeah,

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Speaker 1: it just was just really like annoying because I have

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Speaker 1: not been able to So it was like two things.

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Speaker 1: One they canceled that order, and for the last three months,

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Speaker 1: for some reasons, I cannot make I don't use my

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Speaker 1: card often, but I cannot make a payment online. When

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Speaker 1: I go to click it, it says you cannot make

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Speaker 1: a payment online. Called Bank of America and I call

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Speaker 1: them and they're like, we don't know why you can't

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Speaker 1: make a payment online. I'm like, well, here's the thing.

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Speaker 1: I don't work for Bank of America. I need you

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Speaker 1: to figure it out. And they had yet they have

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Speaker 1: you have to figure it out after three months. So

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Speaker 1: I was so frustrated. I think her name was like Karen.

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Speaker 1: I was like, look, Karen, I know it's not your fault,

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Speaker 1: but you're about to get my venting one. I didn't

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Speaker 1: get my tile. Two. I have to make payments via

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Speaker 1: the phone, like it's two thousand and one, Karen. Why

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Speaker 1: And she was like, honestly, I don't know. So to

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Speaker 1: this day, I still can't make I was gonna go

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Speaker 1: pay off my tile. I still can't make a payment online.

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Speaker 1: I have to call in and be like, hey, you know,

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Speaker 1: put this down for the tile. It's just like, you know, frustrating.

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Speaker 1: That's why I was like, I literally said, why is this.

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Speaker 1: Why do you guys even have a card if you

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Speaker 1: can't use it or pay it off? You know, in

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Speaker 1: a way, that's that's easy for the client, and she

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Speaker 1: was like, I can't understand your frustration. Then I felt

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Speaker 1: bad because I don't like it. You know, I don't

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Speaker 1: like turning up on customer support people. It's not like

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Speaker 1: they own the company, you know, it's bad karma. Yeah,

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Speaker 1: And I was just like, I'm sorry, Karen, I'm just

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Speaker 1: a love frustrating. She's like, no, I know, it's fine.

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Speaker 1: I'm like, no, it's not, but thank you anyway. So

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Speaker 1: by the end I was like, Okay, by care, I

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Speaker 1: have a good day.

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Speaker 2: I really screwed up my average age of credit I let.

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Speaker 2: First of all, I think I had also had an

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Speaker 2: old Bank for America credit card, the first card I

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Speaker 2: got when I moved to New York. Because of course,

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Speaker 2: no one was here for my little Georgia credit union

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Speaker 2: in New York. There were no ATMs for me, so

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Speaker 2: I got to be a VA card and I recently

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Speaker 2: you get notices in the mail when when you're about

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Speaker 2: to hit the mark where they're going to close the

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Speaker 2: card because you haven't used it in so long. Did

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Speaker 2: not take my own advice because I just didn't want

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Speaker 2: to have a bunch random bills connected to cards that

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Speaker 2: I have in random accounts and stuff, and I never

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Speaker 2: signed up for, you know, to have one bill charge

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Speaker 2: of that account and pay it off each month, which

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Speaker 2: is the right thing to do. You should totally do that.

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Speaker 2: I didn't follow my own advice. So anyway, of course,

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Speaker 2: the letters were going to because I keep moving, I'm

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Speaker 2: finally done moving for a while, but they were going

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Speaker 2: to the wrong address, and blah blah blah. Long story short,

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Speaker 2: that account got closed. And then I've been opening zero

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Speaker 2: not ben opening like I've opened a bunch, but I've

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Speaker 2: opened a couple of cards recently related to the house

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Speaker 2: for no zero percent financing and stuff like that. And

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Speaker 2: now my average is all out of whack and my

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Speaker 2: credit score is like down, and I'm just like, oh, well,

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Speaker 2: at least I'm done applying for stuff. Now I have

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Speaker 2: time to bring it back up recover a little bit.

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Speaker 2: But I was like, damn, it's real, it is, it's real.

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Speaker 1: A dream a DreamCatcher wrote, She's like, I paid off

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Speaker 1: my car and then my credit score fell and it

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Speaker 1: was like, yes, welcome to the world of doing the

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Speaker 1: right thing and getting punished by it. But the good

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Speaker 1: thing is that like you know, you you there's a dip.

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Speaker 1: But then it goes back up because ultimately you paid

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Speaker 1: off a day. But yeah, when you lose credit history,

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Speaker 1: I think people don't realize that, Like, yes, there's a

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Speaker 1: potential for losing some points. But to me, people freak

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Speaker 1: out about credit score so much, but it's really not

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Speaker 1: as important unless you know you're looking to buy a home,

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Speaker 1: you're looking to rent or buy a car. Like, if

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Speaker 1: you don't have any plans for your credit for like

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Speaker 1: a year or so, then you typically have time to

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Speaker 1: bring it up to where you need to bring it

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Speaker 1: up to. But so like, cause I see sometimes, like

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Speaker 1: you know, I have the DreamCatcher group, people will drop

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Speaker 1: like three or four points and be freaking out. I'm like, well,

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Speaker 1: I mean, are you buying something.

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Speaker 2: Like I could see, like, go ahead, I said, place

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Speaker 2: three or four points for.

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Speaker 1: Real, you'd be the buyer dreamcatchers be like my grand

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Speaker 1: scuds found four points? What should I do?

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Speaker 2: I'm like, but there's things that are just out of

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Speaker 2: your control. You know, time for one thing? Is that

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Speaker 2: out of your control. Also, if you're checking your credit

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Speaker 2: score online from those like free tools, I mean they're

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Speaker 2: all pulling your score from different places, Like are they

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Speaker 2: may be pulling your credit history from different bureaus, and

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Speaker 2: that can make your score a little bit different.

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Speaker 1: So it's okay, exactly, it's only honestly, like only right

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Speaker 1: before you're about to like really close on your mortgage,

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Speaker 1: then yes, you have every right to freak out or

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Speaker 1: like you know, like a car or something. But other

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Speaker 1: than that, it's it's your credit is not as important

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Speaker 1: as you likely think. It's credit is really just are

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Speaker 1: you about to borrow? Let's see if you are credit worthy.

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Speaker 1: Other than that, you can live your life, live you

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Speaker 1: a life.

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Speaker 2: I have heard though, if you're in some type of careers,

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Speaker 2: they may use it as like a background check thing.

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Speaker 1: True, they do lawyers.

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Speaker 2: I can't forget a girlfriend of mine who got turned

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Speaker 2: down for a job and they cited the background check

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Speaker 2: as one of the reasons. I think she was in California. Yeah,

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Speaker 2: it was like a job in finance or something. And

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Speaker 2: it wasn't like she had a terrible credit history. They've

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Speaker 2: just gone through a rough time, you know, like anybody had,

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Speaker 2: which is pretty crappy. But that's also one thing to consider.

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Speaker 1: No, you're right, I've heard everyone from my mentee who's

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Speaker 1: a lawyer, she was scared that she wasn't going to

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Speaker 1: get a job because of her credit. And I remember

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Speaker 1: there's a woman she was she was either a truck

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Speaker 1: driver or was working for like a truck driving agency,

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Speaker 1: and she wanted to become a supervisor or something like that,

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Speaker 1: and she had to get her credit score because they

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Speaker 1: wouldn't let her. I know people who've been bank tellers,

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Speaker 1: so it's you're right. It runs the gamut of like

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Speaker 1: you know, there are certain companies that just look at

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Speaker 1: your credit score and and deem whether or not that

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Speaker 1: you will be I don't know whether it's like whether

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Speaker 1: you're going to be a good food for the job,

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Speaker 1: or they're just looking for like it's like an integrity piece,

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Speaker 1: which I don't think is fair.

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Speaker 2: I think it really depends on what the situation is.

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Speaker 2: And you'd have to, like, if I were an employer,

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Speaker 2: you want to look at the nuance of it. If

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Speaker 2: it's a medical bill situation, that should be treated totally

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Speaker 2: different than someone who's got like twelve credit cards in

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Speaker 2: the last two years and wrack them all up and

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Speaker 2: didn't pay them back. You know, you would hope that

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Speaker 2: they would give you a chance to defend whatever, because

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Speaker 2: like stuff just happened. So the way that you can

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Speaker 2: penalize someone for you know, getting themselves into debt when

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Speaker 2: good piece people get into debt every.

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Speaker 1: Day, every day, every day, be every day.

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Speaker 2: Here's truly hello back in dead Land.

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Speaker 1: Uh So, let's talk about taxes. Be let's talk about

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Speaker 1: are you gonna Oh? I know that's a weird transition,

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Speaker 1: but I've just been on my mind mine mine too. Yes,

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Speaker 1: let's talk about taxes. How do you feel like are

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Speaker 1: you feeling scared? I feel a lot of people are

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Speaker 1: scared online.

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Speaker 2: Well, this is the first year when we're going to

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Speaker 2: see the real impact of the tax reform law, which

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Speaker 2: was signed into law the end of twenty seventeen. All

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Speaker 2: the new rules applied starting from twenty eighteen, and now

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Speaker 2: that we're in twenty nineteen, we're finally paying taxes for

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Speaker 2: twenty eighteen. And that's why all of a sudden, the

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Speaker 2: change chang changes are happening. So for a lot of people,

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Speaker 2: for like, you know, for you know, average income people,

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Speaker 2: I would say the biggest change might be that it

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Speaker 2: may not make sense for you to do itemizing on

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Speaker 2: your taxes this year because one of the big changes

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Speaker 2: from tax reform is that they doubled the standard deduction,

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Speaker 2: which is like when they say before you even you know,

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Speaker 2: do your taxes subtract this amount from your income and

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Speaker 2: you're not going to owe taxes on that deduct it

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Speaker 2: from your taxable income. And I think they doubled it

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Speaker 2: for married couples to twenty four thousand and for singles

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Speaker 2: to twelve thousand. That might be a big change. But

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Speaker 2: if you didn't adjust your withholdings last year, like get

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Speaker 2: advice from an accountant or go in and tweak your withholdings,

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Speaker 2: because it did change slightly the tax brackets, like what

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Speaker 2: percentage of taxes you owe based on your income level.

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Speaker 2: It did tweak that slightly for some people and more

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Speaker 2: for others. And if you didn't alter your withholdings, like

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Speaker 2: you could end up owing this year, or on the

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Speaker 2: flip side, you could end up getting a bigger refund

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Speaker 2: than you expected. I don't know where I fall on

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Speaker 2: this side of the equation. Last year, I owe taxes,

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Speaker 2: which sucked, but that was because you know, I I

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Speaker 2: was fortunate in a lot of ways, and then I

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Speaker 2: also got married and I didn't I didn't change my

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Speaker 2: withholdings soon enough, and that kind of sucks. I ended

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Speaker 2: up owing it sucked because it was like the week

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Speaker 2: we had to put our final down payment on the

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Speaker 2: how and then also are tax bills all the same week. Yeah,

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Speaker 2: that's behind me now, thank god we had the money

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Speaker 2: to pay it off. But this year, I've we just

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Speaker 2: submitted our tax papers with our accountant and I am

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Speaker 2: just crossing my fingers and my toes hoping. I don't

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Speaker 2: know anything.

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Speaker 1: I'm holding my breath too, because we well, I quick

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Speaker 1: one as a business owner, I always owe because it's

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Speaker 1: rare that I pay my taxes quarterly. So it's really

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Speaker 1: rare for me to overpay because we're pretty careful. Who

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Speaker 1: wants to give the government more money? Not I because

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Speaker 1: it's not like my taxes come out of a paycheck,

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Speaker 1: like I have to actually write a check and say,

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Speaker 1: here you go, dusty government, which a little money. This

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Speaker 1: is random, But I saw this meme and says money

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Speaker 1: that doesn't ever smell till somebody owes it back. Here's

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Speaker 1: your little bunky twenty dollars. I thought that was funny.

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Speaker 3: Good.

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Speaker 1: So yeah, so I but here's the situation I'm in.

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Speaker 1: It depends how the government is gonna treat me. I'm

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Speaker 1: either going to owe six figures for the rest of

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Speaker 1: two thousand, meanwhile I've already paid six figures in taxes

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Speaker 1: for twenty eighteen, or I'm going to own five figures.

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Speaker 1: So the good thing is I have the five figure saved.

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Speaker 1: But at the end of twenty eighteen, I was telling

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Speaker 1: my accountant Carlos, Carlos, why'd I own so much? This

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Speaker 1: is crazy? And we were going through the businesses. So

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Speaker 1: I've got the Budgetista, I've got the literature Academy, and

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Speaker 1: I've got the i have this marketing business, and only

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Speaker 1: one of the businesses I take money out as like

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Speaker 1: an owner's drawing, like pay and so. But he didn't

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Speaker 1: know that. I guess I never told him. I'm always

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Speaker 1: really bad at like letting Carlos know all of my

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Speaker 1: financial life. So I was like, it doesn't make sense.

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Speaker 1: Why am I paying taxes from the Budgetista and this

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Speaker 1: marketing company. But I didn't pull any money out because

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Speaker 1: instead we've been reinvesting it back into business. We've been

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Speaker 1: paying staff so so well, the Bunjanisa's mine, but the

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Speaker 1: marketing company I have a business partner. But I've been

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Speaker 1: just really using the money to like grow because the

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Speaker 1: academy pays me enough. And he was like, I didn't

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Speaker 1: know that you weren't taking money from those two businesses.

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Speaker 1: That's the reason why you feel like you owe so

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Speaker 1: much in taxes because the government doesn't care because it

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Speaker 1: was these companies were all in es Corp. And so

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Speaker 1: it's basically like your tax allocation. So the way the

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Speaker 1: IRS looks at you, So the IRS says, hey, your

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Speaker 1: business made let's just say one hundred thousand dollars, so

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Speaker 1: you are gonna your tax rate is let's just say

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Speaker 1: thirty percent. You owe thirty percent. But the problem is,

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Speaker 1: let's just say the BUDGETIESSA made a hundred thousand and

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Speaker 1: made more than that, right, so let's just say it

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Speaker 1: made that. It's saying, Tiffany, you owe your thirty percent.

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Speaker 1: But I'm like, I never withdrew that money from the Budgetista,

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Speaker 1: so how do I owe taxes on it? And he

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Speaker 1: was like, that doesn't matter if you're an ESCRP. That

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Speaker 1: instead the budget NISA and the marketing company should be

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Speaker 1: SEA Corps. Because I said, well, what is what does

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Speaker 1: Jeff Bezos do? I literally said that what does Jeff

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Speaker 1: Bezos do? Is he paying thirty five percent taxes on

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Speaker 1: you know, everything Amazon makes. He said no, he says

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Speaker 1: his Amazon is a sea corp. I said, we'll make

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Speaker 1: me that. I literally said that.

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Speaker 2: Please.

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Speaker 1: He said okay, And so I re applied for the

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Speaker 1: marketing company and the Budgetista to be se corps since

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Speaker 1: I wasn't pulling money out, and then the academy is

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Speaker 1: going to stay in es Corps since I do pull

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Speaker 1: money out. And so everything was going fine because we've

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Speaker 1: done this before. I've gone from LLC, which is another

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Speaker 1: like another way the IRS can look at your company.

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Speaker 1: I've gone from LLC the es Corp with Carlos. No problem.

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Speaker 1: But the problem is Carlos applied and then the government

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Speaker 1: shut down happened, and so there was no way did

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Speaker 1: we get approved. That we can not get approved what's

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Speaker 1: going on. And it's a difference between like it's like

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Speaker 1: one hundred thousand dollars difference in taxes, which is crazy

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Speaker 1: because I don't have one hundred thousand dollars just random

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Speaker 1: tax like money that I didn't receive. So yeah, I'm

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Speaker 1: just I'm just hoping that that you know, now that

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Speaker 1: the government has opened back up again, that they will

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Speaker 1: take into consideration that we applied on time, and it

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Speaker 1: was because of the shutdown that like you know, it

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Speaker 1: wasn't done, you know, you know, because it wasn't due

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Speaker 1: to any fault of our own. So he sent her

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Speaker 1: back and they basically said, proceed Ford like you like

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Speaker 1: you got your c corp. You know, like like like

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Speaker 1: we said okay to it, but we have so much

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Speaker 1: to dig through that we're just gonna have to get

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Speaker 1: to you and get you. So I'm hopeful that they

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Speaker 1: say yes because I have the other money, say, because

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Speaker 1: Carlos is really strict in that whenever I get paid

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Speaker 1: as a business owner, I set aside thirty percent thirty

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Speaker 1: five percent of what I make, and so I have

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Speaker 1: the what I would normally owe in taxes. I don't

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Speaker 1: have the other part because I actually didn't earn that money.

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Speaker 1: So if the government makes me pay that extra hundred thousand,

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Speaker 1: I would just have to pull it out of the

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Speaker 1: businesses to pay it, which sucks because and that means

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Speaker 1: it's not like, you know, I want to do raises

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Speaker 1: this year. I want to do all these other things,

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Speaker 1: and I won't be able to do that because I'd

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Speaker 1: have to pull money out the businesses. So sometimes being

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Speaker 1: a business owner. Like honestly, if I can go back

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Speaker 1: to Young b Young budget Nista when I first started,

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Speaker 1: like I would sell her a girl, well I always

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Speaker 1: had Carlos, thank god, but I would tell her that

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Speaker 1: it was for every business owner. Your finance people are

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Speaker 1: the most important people on your team. You don't need

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Speaker 1: an admin, you don't need an INN, you don't need

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Speaker 1: none of those people because you could do that yourself.

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Speaker 1: But the finance component, once you start to make a

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Speaker 1: little bit of money, that is going to be critical,

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Speaker 1: whether it's a bookkeeper, whether it's like a you know,

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Speaker 1: like an accountant, and then you finally get your big CPA. Like,

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Speaker 1: your finance people are everything because your money is your

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Speaker 1: life's blood. And if I didn't have like Rachel my CFO, Carlos,

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Speaker 1: my like my my CPA for all the businesses, if

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Speaker 1: I didn't have Leah Rowe who's also on the finance team,

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Speaker 1: like I don't know what I would do. And I

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Speaker 1: mean it's a you know, that's a huge difference, Like

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Speaker 1: one hundred thousand dollars is a huge difference. I mean,

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Speaker 1: like I said, I wouldn't have to come out of

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Speaker 1: my pocket pocket, but it's a difference between can I

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Speaker 1: give my my staff raises that's important to me, you know,

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Speaker 1: so taxes, man taxes.

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Speaker 2: So they're listening like so TIF you heard yet.

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Speaker 1: You heard it?

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Speaker 2: You heard yet?

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Speaker 1: And they do listen. That's so I'm like, so just

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Speaker 1: I mean, I'm they know I'm super transparent with them

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Speaker 1: about like what's happening. So, I mean, but I feel

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Speaker 1: really fairly confident because we apply it in time, and

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Speaker 1: I don't think there will be penalized for the government shutdown.

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Speaker 1: But you just, you know, you know, I'm like, you

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Speaker 1: just never never know, you know.

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Speaker 2: Well, I'd love for you guys to send us your

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Speaker 2: text questions, especially because I know you must have them

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Speaker 2: or you must just be nervous or confused or concerned

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Speaker 2: about texts textes this year, So send us your questions.

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Speaker 2: We're gonna eventually have on a text expert that Tiff

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Speaker 2: has used in the Literature Academy several times before, so

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Speaker 2: send us your questions ahead of that show. You can

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Speaker 2: hit us up at brand Ambition podcast dot com just

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Speaker 2: ask us anything, or shoot us an email at broad

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Speaker 2: Ambition Podcast at gmail dot com dot com.

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Speaker 1: Yeah, text questions are corin took out, So try to

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Speaker 1: be as specific as possible because I can't. Will always

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Speaker 1: tell you like, wait, but what about this? What about that?

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Speaker 1: So definitely, you know, you can give us your fake

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Speaker 1: names if you don't want, like your your mama and

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Speaker 1: them to know you're asking you a question specific.

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Speaker 2: But you know, also brief is good. You know, balance

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Speaker 2: is good, is good.

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Speaker 1: Brevity is what is it? This is saying it says,

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Speaker 1: oh what does it go? Does go? Mandy? Brevity is the.

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Speaker 2: It's the best.

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Speaker 1: That's not the same. Somebody knows the brevity saying it's

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Speaker 1: a famous say it's like brevity is the soul. I

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Speaker 1: don't know.

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Speaker 2: See, I think you're thinking of another word that I

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Speaker 2: can't think of that's not brevity. But it has like

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Speaker 2: an it y at the end of it. I feel

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Speaker 2: like you're right, yeah, but it's not brevity. But so

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Speaker 2: take this riddle, listeners and so.

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Speaker 1: Somebody solved this puzzle. But I know what you mean

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Speaker 1: because it is something Oh my gosh, yeah, someone is

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Speaker 1: listening right now, like Tiffany, are you eighty five? I

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Speaker 1: am eighty five.

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Speaker 2: I am too many cough syrups right now to answer

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Speaker 2: that the devil came for all in my head this

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Speaker 2: weekend and is trying to snatch it, and I must

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Speaker 2: hang on with every strength I have.

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Speaker 1: You're being well. With that said, we're asking for questions.

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Speaker 1: Why don't we answer some questions?

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Speaker 2: Well, I got to do a break for the ad.

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Speaker 2: You gots me to like cut it off, but good segue,

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Speaker 2: good segue. Let's take a break real quick, and then

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Speaker 2: we'll come back and answer some questions.

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Speaker 1: Well, now that we've asked you to send us some

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Speaker 1: text questions, why don't we just answer some of your

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Speaker 1: questions from the mail bag?

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Speaker 2: Yes, speaking of people being anonymous, we had one listener's

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Speaker 2: let's do her first because she was brave enough to

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Speaker 2: give us first name and location. Hey, Candy of Baltimore,

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Speaker 2: my goodness, be more, be more. She was so kind.

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Speaker 2: She has a question for both of us. I'm not

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Speaker 2: sure how she chose, but let's start with the one

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Speaker 2: for Tiffany. So Candy says, tiff I'm trying to get

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Speaker 2: my financial life in order, including paying off debt, saving

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Speaker 2: an emergency fund, and saving for a future baby. I

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Speaker 2: know my first step is to create a budget. What

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Speaker 2: are your thoughts on budgeting? Per paycheck instead of budgeting

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Speaker 2: on a monthly basis.

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Speaker 1: I guess I'm not really clear about budget do you

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Speaker 1: mean by budgeting per paycheck?

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Speaker 2: So I think instead of like creating your monthly expenses

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Speaker 2: and like your monthly income and working out a budget

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Speaker 2: from there, she's talking about like bi weekly probably so

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Speaker 2: setting up like a bi weekly budget.

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Speaker 1: Honestly, I think there's nothing wrong with that. I think

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Speaker 1: that here's the thing, that your budget should just reflect

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Speaker 1: a specific timeframe. So that means if you are going

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Speaker 1: to say bi weekly, these are my expensive then you

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Speaker 1: need to say bi weekly, this is my earning, you know,

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Speaker 1: as far as take home pay. So to me, you know,

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Speaker 1: I think at one point I was working somewhere where

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Speaker 1: I was getting paid weekly, and so I was like budgeting,

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Speaker 1: like you know, I used to actually budget weekly because

431
00:20:12,920 --> 00:20:16,480
Speaker 1: I was getting paid weekly, which was amazing. So yeah, no,

432
00:20:16,520 --> 00:20:18,000
Speaker 1: I don't have a problem with that. I think as

433
00:20:18,040 --> 00:20:20,920
Speaker 1: long as you're clear about the time frame of money

434
00:20:20,920 --> 00:20:24,360
Speaker 1: in and a time frame of money out, and if

435
00:20:24,400 --> 00:20:27,359
Speaker 1: you're going to start saving, sometimes people want to wait

436
00:20:27,400 --> 00:20:31,080
Speaker 1: until they have this whole convoluted budget. If you know,

437
00:20:31,240 --> 00:20:34,520
Speaker 1: I have about fifty hundred bucks left over, go ahead,

438
00:20:34,560 --> 00:20:37,440
Speaker 1: on and open. You go to Magnify money dot com,

439
00:20:37,560 --> 00:20:40,959
Speaker 1: go and find yourself an online only bank and just

440
00:20:41,040 --> 00:20:43,680
Speaker 1: throw some money in there to get started and then

441
00:20:43,720 --> 00:20:45,960
Speaker 1: start working on the actual mechanics of your budget. That

442
00:20:46,359 --> 00:20:51,560
Speaker 1: there is no there's no better I guess tool to

443
00:20:52,000 --> 00:20:55,080
Speaker 1: budgeting than getting started and so like I would just say, like,

444
00:20:55,119 --> 00:20:57,879
Speaker 1: you know, start saving right away, automate that and then

445
00:20:57,920 --> 00:20:59,439
Speaker 1: get back to your budget and figure out what you

446
00:20:59,440 --> 00:21:02,320
Speaker 1: could actually technically saved and make that a bill for yourself.

447
00:21:03,760 --> 00:21:06,440
Speaker 2: Excellent, I see why she chose you for that one.

448
00:21:07,880 --> 00:21:09,480
Speaker 2: I'm less sure about the next one, but I'll try

449
00:21:09,480 --> 00:21:12,200
Speaker 2: and take it. So for me, Candy asks, I've been

450
00:21:12,200 --> 00:21:15,040
Speaker 2: trying to break into the HR field four years. I

451
00:21:15,080 --> 00:21:18,280
Speaker 2: went to college for psychology and minored in human resources.

452
00:21:18,359 --> 00:21:21,160
Speaker 2: I worked in the benefits in the healthcare benefits industry

453
00:21:21,160 --> 00:21:23,520
Speaker 2: for almost ten years, but I can't seem to get

454
00:21:23,520 --> 00:21:25,840
Speaker 2: my foot in any tips. I don't want to go

455
00:21:25,880 --> 00:21:28,960
Speaker 2: through a temp agency route. Well, it definitely sounds like

456
00:21:29,000 --> 00:21:31,760
Speaker 2: you've got the education and experience in that regard for

457
00:21:31,800 --> 00:21:34,400
Speaker 2: a job in HR. I would say, talk to people

458
00:21:34,440 --> 00:21:36,600
Speaker 2: who are in the field, like just ask for ten

459
00:21:36,720 --> 00:21:39,760
Speaker 2: twenty minutes if you know anybody who works in the

460
00:21:39,760 --> 00:21:41,960
Speaker 2: field and ask them what they're looking for in like

461
00:21:42,000 --> 00:21:45,520
Speaker 2: an entry level position. The only difficult thing might be

462
00:21:45,560 --> 00:21:47,600
Speaker 2: that you may have to suck it up a little

463
00:21:47,600 --> 00:21:50,000
Speaker 2: bit and take a job that's perhaps a little bit

464
00:21:50,040 --> 00:21:52,640
Speaker 2: lower level. You've been in your job for ten years now,

465
00:21:52,680 --> 00:21:56,000
Speaker 2: so you're probably mid career, mid level position right now.

466
00:21:56,240 --> 00:21:57,920
Speaker 2: But when you're trying to like pivot and break into

467
00:21:58,000 --> 00:22:00,720
Speaker 2: a new field, it may mean come in a little

468
00:22:00,760 --> 00:22:03,600
Speaker 2: bit lower than where you're at now, and that just

469
00:22:04,000 --> 00:22:05,600
Speaker 2: that may be something that's worth it to you because

470
00:22:05,600 --> 00:22:07,360
Speaker 2: you've always had a passion for this and really want

471
00:22:07,359 --> 00:22:09,480
Speaker 2: to break in. But yeah, that'd be My biggest tip

472
00:22:09,520 --> 00:22:11,760
Speaker 2: is to talk to people in the field, start trying

473
00:22:11,760 --> 00:22:14,280
Speaker 2: to make connections, because you're also kind of, you know,

474
00:22:14,320 --> 00:22:16,720
Speaker 2: in a position where you're not necessarily working with people

475
00:22:16,720 --> 00:22:18,080
Speaker 2: in the field you want to be, and every day

476
00:22:18,119 --> 00:22:20,639
Speaker 2: you've got to start building that network, start building that

477
00:22:20,680 --> 00:22:23,800
Speaker 2: peer network. Maybe at your current company. I mean, it's

478
00:22:23,880 --> 00:22:26,520
Speaker 2: kind of awkward going to HR to tell them that,

479
00:22:26,960 --> 00:22:28,800
Speaker 2: you know, I'm thinking about a career, not in what

480
00:22:28,840 --> 00:22:31,000
Speaker 2: I'm doing right now, but if you know, I feel

481
00:22:31,000 --> 00:22:34,040
Speaker 2: like human resources are meant to want to develop talent

482
00:22:34,119 --> 00:22:36,040
Speaker 2: in house. So see, maybe if you're the company you're

483
00:22:36,040 --> 00:22:39,000
Speaker 2: in now, if they have any openings in HR or

484
00:22:39,040 --> 00:22:41,240
Speaker 2: they can help you understand what it would take to

485
00:22:41,280 --> 00:22:44,040
Speaker 2: get into the HR world and let that be known,

486
00:22:44,080 --> 00:22:47,080
Speaker 2: and maybe they can crack open a door a little

487
00:22:47,119 --> 00:22:49,600
Speaker 2: bit for you that maybe wouldn't have been opened otherwise.

488
00:22:51,040 --> 00:22:52,320
Speaker 1: That's good at bad it's manager.

489
00:22:52,760 --> 00:22:54,520
Speaker 2: Oh, thank you, brought to you by use next.

490
00:22:58,160 --> 00:23:02,359
Speaker 1: So I'm excited. I'm reading the question and it looks

491
00:23:02,400 --> 00:23:04,840
Speaker 1: like because you know, Mandy's sick and she's tacking up along,

492
00:23:05,000 --> 00:23:08,280
Speaker 1: so either way, I'm here. We actually have a question

493
00:23:08,359 --> 00:23:10,800
Speaker 1: from across the pond. That's what london Ners and stuff say.

494
00:23:10,920 --> 00:23:16,720
Speaker 1: Is that right, Mandy? This question is from Chantale and

495
00:23:16,800 --> 00:23:20,439
Speaker 1: she uses very English language grammar and stuff, so you know,

496
00:23:20,480 --> 00:23:23,760
Speaker 1: just follow off. I graduated university around eighteen months ago

497
00:23:24,359 --> 00:23:26,480
Speaker 1: and I'm struggling to find a job that meets my

498
00:23:26,560 --> 00:23:30,639
Speaker 1: skill set and qualifications. My current job requires two gc

499
00:23:31,200 --> 00:23:36,879
Speaker 1: ses that's the UK equivalent to high school in the USA,

500
00:23:37,000 --> 00:23:40,800
Speaker 1: and is basic admin work. I think my issue may

501
00:23:40,840 --> 00:23:43,000
Speaker 1: be one of confidence. I was the first of my

502
00:23:43,040 --> 00:23:46,640
Speaker 1: family to go to university and was considered the clever one.

503
00:23:47,119 --> 00:23:50,720
Speaker 1: I feel like I'm failing, and it's constant. It's a

504
00:23:50,760 --> 00:23:53,800
Speaker 1: constant source of anxiety and stress, which makes me feel

505
00:23:53,840 --> 00:23:56,560
Speaker 1: less confident in applying for jobs. I would love to

506
00:23:56,560 --> 00:23:58,679
Speaker 1: start my own business or side hustle, but I have

507
00:23:58,760 --> 00:24:02,159
Speaker 1: no confidence. Can you share any wisdom or resources to

508
00:24:02,200 --> 00:24:04,480
Speaker 1: help me get over this, Chantelle?

509
00:24:04,600 --> 00:24:09,280
Speaker 2: Chantelle, take a deep breath, my darling, My darling, like

510
00:24:09,440 --> 00:24:14,040
Speaker 2: I can't really talk. I'm like, what you should do? No,

511
00:24:14,240 --> 00:24:16,119
Speaker 2: take a deep breath and relax a little bit and

512
00:24:16,160 --> 00:24:18,080
Speaker 2: don't stress too much. Or was just like putting a

513
00:24:18,119 --> 00:24:20,600
Speaker 2: lot of pressure on herself from her what she sees

514
00:24:20,640 --> 00:24:22,200
Speaker 2: as her family's expectations.

515
00:24:23,040 --> 00:24:24,800
Speaker 1: I will say this, Chantelle. I'm not gonna lie. When

516
00:24:24,800 --> 00:24:27,720
Speaker 1: I first started my business, I didn't have much confidence

517
00:24:28,119 --> 00:24:32,399
Speaker 1: in myself. But one thing I've learned about confidence is

518
00:24:32,440 --> 00:24:34,960
Speaker 1: that it builds. It's like a building block. What I

519
00:24:35,000 --> 00:24:37,960
Speaker 1: figured out was, is there one thing I did feel

520
00:24:37,960 --> 00:24:40,160
Speaker 1: really good about. It's usually like at least one thing,

521
00:24:40,560 --> 00:24:42,480
Speaker 1: and so one thing I knew that I was good

522
00:24:42,520 --> 00:24:44,199
Speaker 1: at because I'd done it for ten years, is that

523
00:24:44,640 --> 00:24:46,840
Speaker 1: I knew that I was a good teacher. I didn't

524
00:24:46,840 --> 00:24:48,359
Speaker 1: believe in myself in any other way. I didn't think

525
00:24:48,359 --> 00:24:50,280
Speaker 1: I could run a business. I didn't think about anything else.

526
00:24:50,320 --> 00:24:52,480
Speaker 1: But I was like, Tiffany, you are a good teacher.

527
00:24:53,000 --> 00:24:54,879
Speaker 1: The kids like you. They know how to read and

528
00:24:54,920 --> 00:24:58,200
Speaker 1: write and you know. And so once I leaned into

529
00:24:58,240 --> 00:25:00,479
Speaker 1: the fact that I was a good teacher, I started

530
00:25:00,520 --> 00:25:03,879
Speaker 1: adding things on, like blocks, onto that one thing I

531
00:25:03,960 --> 00:25:06,439
Speaker 1: knew for sure. And so that's what I encourage you

532
00:25:06,440 --> 00:25:09,720
Speaker 1: to do, Chantelle, is to ask yourself, what is the

533
00:25:09,720 --> 00:25:11,960
Speaker 1: one thing you know for sure. I'm a good person.

534
00:25:12,320 --> 00:25:15,320
Speaker 1: I'm really good at you know, I'm personable, I'm fun,

535
00:25:15,400 --> 00:25:18,040
Speaker 1: I'm friendly, I'm really good at typing. You know, I'm

536
00:25:18,080 --> 00:25:20,080
Speaker 1: really you know, I'm a really great jar or whatever.

537
00:25:20,080 --> 00:25:23,040
Speaker 1: That looks like finding that one thing that you know

538
00:25:23,200 --> 00:25:26,879
Speaker 1: for sure, and then you know, starting to build upon

539
00:25:27,080 --> 00:25:30,439
Speaker 1: that one skill set or knowledge based or just talent

540
00:25:30,600 --> 00:25:33,000
Speaker 1: that you have. And so that's my suggestion for starting

541
00:25:33,040 --> 00:25:34,119
Speaker 1: to build confidence.

542
00:25:34,920 --> 00:25:37,159
Speaker 2: Yeah, and the fact that she's so recently out of

543
00:25:37,160 --> 00:25:39,800
Speaker 2: school and feeling like the work that she's doing isn't necessarily,

544
00:25:40,359 --> 00:25:42,720
Speaker 2: you know, difficult enough for her, but she's She also

545
00:25:42,760 --> 00:25:45,560
Speaker 2: says she lacks the confidence to apply for jobs because

546
00:25:45,560 --> 00:25:47,439
Speaker 2: she feels like she has this anxiety and stress and

547
00:25:47,440 --> 00:25:49,960
Speaker 2: doesn't feel confident, go ahead and apply. You know, you

548
00:25:50,000 --> 00:25:52,600
Speaker 2: hear studies that say that, you know, women are less

549
00:25:52,640 --> 00:25:54,720
Speaker 2: likely to apply for certain jobs that they feel are

550
00:25:54,800 --> 00:25:58,520
Speaker 2: to require too much experience, while men are less likely

551
00:25:58,560 --> 00:26:01,000
Speaker 2: to feel held back by that. You know, shoot, reach

552
00:26:01,080 --> 00:26:03,440
Speaker 2: for the stars. Like the worst thing that can happen

553
00:26:03,520 --> 00:26:05,240
Speaker 2: is you don't hear back from them. But the best

554
00:26:05,240 --> 00:26:07,720
Speaker 2: thing is that maybe you do hear back from someone.

555
00:26:07,840 --> 00:26:10,160
Speaker 2: Because I read applications all the time. I'm always hiring,

556
00:26:10,160 --> 00:26:12,760
Speaker 2: and I'm always looking at people, and I do think,

557
00:26:13,119 --> 00:26:15,080
Speaker 2: maybe this person isn't good for this job, but what

558
00:26:15,160 --> 00:26:18,479
Speaker 2: else do I have? Or is there another you know,

559
00:26:18,640 --> 00:26:20,800
Speaker 2: person I know in my company hiring who she might

560
00:26:20,840 --> 00:26:23,600
Speaker 2: be a good fit for. Or is this someone who

561
00:26:23,640 --> 00:26:25,919
Speaker 2: sounds like they have a good foundation that maybe we

562
00:26:25,960 --> 00:26:27,760
Speaker 2: could bring them in at a junior level even though

563
00:26:27,760 --> 00:26:30,080
Speaker 2: this was a for a mid you know level, and

564
00:26:30,160 --> 00:26:32,399
Speaker 2: try and train them up. You never know who's on

565
00:26:32,400 --> 00:26:35,080
Speaker 2: the other side reading that application. So do your best

566
00:26:35,119 --> 00:26:38,560
Speaker 2: and really, you know, go for it inspite your confidence.

567
00:26:38,560 --> 00:26:43,080
Speaker 2: And I mean I have built an entire career faking

568
00:26:43,080 --> 00:26:45,800
Speaker 2: it till I make it, like just pretending the hell

569
00:26:45,800 --> 00:26:48,440
Speaker 2: out of life, you know, I walked into my first

570
00:26:48,480 --> 00:26:51,720
Speaker 2: interview for personal finance for a journalist's job, and I had, like,

571
00:26:51,840 --> 00:26:54,040
Speaker 2: literally I'd just read the New York Times Personal Finance

572
00:26:54,080 --> 00:26:56,199
Speaker 2: section that morning to figure out what I was going

573
00:26:56,280 --> 00:26:58,480
Speaker 2: to say, and just made it up and just really

574
00:26:58,480 --> 00:27:00,480
Speaker 2: sold them all what I like what Tiffany said, focus

575
00:27:00,560 --> 00:27:02,120
Speaker 2: on what I could do, which is write the hell

576
00:27:02,160 --> 00:27:04,959
Speaker 2: out of anything. You know, be a good writer, and

577
00:27:05,000 --> 00:27:06,439
Speaker 2: you have to walk in with a little bit of

578
00:27:06,480 --> 00:27:09,800
Speaker 2: confidence in that, and then you know, let the other

579
00:27:09,840 --> 00:27:12,600
Speaker 2: things fall into place, or at least show them how

580
00:27:12,600 --> 00:27:15,119
Speaker 2: passionate you are and that you can learn whatever they

581
00:27:15,119 --> 00:27:17,280
Speaker 2: feel like you're lacking to do the job.

582
00:27:17,320 --> 00:27:20,640
Speaker 1: Well, yeah, I think many and I both as people

583
00:27:20,640 --> 00:27:25,320
Speaker 1: who kind of hire people that you don't necessarily have

584
00:27:25,400 --> 00:27:27,800
Speaker 1: to know how to do everything, but we both kind

585
00:27:27,800 --> 00:27:30,119
Speaker 1: of look for people that we know are willing to

586
00:27:30,119 --> 00:27:32,760
Speaker 1: at least try and learn, like, you know, cause there's

587
00:27:32,760 --> 00:27:34,000
Speaker 1: gonna be just new things that you're going to learn.

588
00:27:34,040 --> 00:27:36,840
Speaker 1: So I'm always looking for someone who is going to

589
00:27:36,880 --> 00:27:39,440
Speaker 1: make the extra effort. You know, it's not going to

590
00:27:39,480 --> 00:27:41,920
Speaker 1: be looking like is that part of my exact job description,

591
00:27:42,040 --> 00:27:43,720
Speaker 1: But they're like they really go balls to the wall

592
00:27:44,160 --> 00:27:45,919
Speaker 1: because I always said this, if you do right by me,

593
00:27:46,000 --> 00:27:48,399
Speaker 1: I do better by you, and so I look for that.

594
00:27:48,520 --> 00:27:50,199
Speaker 1: So you never know, you don't know have to know

595
00:27:50,200 --> 00:27:52,080
Speaker 1: how to do everything. I do a lot of training

596
00:27:52,440 --> 00:27:55,080
Speaker 1: because like so much of what I do at the

597
00:27:55,080 --> 00:27:58,159
Speaker 1: Bunjeanisa and that the team does, it's really specific to

598
00:27:58,280 --> 00:28:00,879
Speaker 1: the company. So long as you come with like a

599
00:28:01,080 --> 00:28:03,399
Speaker 1: basic skill set and a willingness to work hard and

600
00:28:03,440 --> 00:28:05,640
Speaker 1: to learn, then you know, you'd be surprised how many

601
00:28:05,640 --> 00:28:07,320
Speaker 1: people be looking and would love to have you on

602
00:28:07,359 --> 00:28:09,119
Speaker 1: your team exactly.

603
00:28:09,520 --> 00:28:11,919
Speaker 2: And the job that you have now, you know, forget

604
00:28:11,920 --> 00:28:14,320
Speaker 2: about it not matching your skill set of your qualifications.

605
00:28:14,320 --> 00:28:16,439
Speaker 2: Like I took a job that you know, I was

606
00:28:16,600 --> 00:28:19,399
Speaker 2: three years too qualified for because it was during the

607
00:28:19,400 --> 00:28:21,760
Speaker 2: recession and I had literally no choice. I just needed

608
00:28:21,760 --> 00:28:23,720
Speaker 2: that job and I worked my butt off it did

609
00:28:23,720 --> 00:28:26,240
Speaker 2: the best best I could, and I just kept looking.

610
00:28:26,320 --> 00:28:28,480
Speaker 2: And when I had an opportunity to come across, you know,

611
00:28:28,520 --> 00:28:30,760
Speaker 2: I got to leave. But you try to leave without

612
00:28:30,760 --> 00:28:33,800
Speaker 2: burning bridges, and you know you still want good references.

613
00:28:33,840 --> 00:28:36,560
Speaker 2: This is your first job, right, so try and make

614
00:28:36,600 --> 00:28:38,640
Speaker 2: a good impression on your employers now so that when

615
00:28:38,680 --> 00:28:40,120
Speaker 2: you do leave, you find a job that you really

616
00:28:40,120 --> 00:28:42,640
Speaker 2: want to do, you can rely on them for you know,

617
00:28:42,680 --> 00:28:44,640
Speaker 2: a good reference and you're not burning any bridges on

618
00:28:44,680 --> 00:28:45,120
Speaker 2: the way out.

619
00:28:45,400 --> 00:28:48,720
Speaker 1: Yeah, thank you that question. Yes see, I was going

620
00:28:48,760 --> 00:28:51,560
Speaker 1: to speak in at London accent, but meanwhile I don't

621
00:28:51,560 --> 00:28:55,000
Speaker 1: even know what that was. It was British British accent.

622
00:28:55,080 --> 00:28:58,760
Speaker 1: You know. I always get confused about Britain British, Like,

623
00:28:58,840 --> 00:29:02,840
Speaker 1: I know, London obviously is sit Be and then Europe.

624
00:29:03,040 --> 00:29:09,320
Speaker 1: I mean, it's just so many different okay, and so

625
00:29:09,520 --> 00:29:11,400
Speaker 1: what is Britain and what is Great Britain? Is that

626
00:29:11,480 --> 00:29:12,080
Speaker 1: the country?

627
00:29:12,280 --> 00:29:15,880
Speaker 2: Yes, that's the country, Great Britain and then UK United

628
00:29:15,960 --> 00:29:18,440
Speaker 2: Kingdom I think in yes, Ireland.

629
00:29:18,040 --> 00:29:21,400
Speaker 1: That's the that's the confusion. UK and Great Britain are

630
00:29:21,840 --> 00:29:26,160
Speaker 1: so Britain. Great Britain is part of the UK, yes, okay,

631
00:29:26,200 --> 00:29:28,360
Speaker 1: but the UK encompasses more than just Great Britain.

632
00:29:28,360 --> 00:29:30,320
Speaker 2: I think it also includes Ireland and Scotland. You know,

633
00:29:30,360 --> 00:29:32,080
Speaker 2: I'm gonna google this and if we're wrong, I'll edit

634
00:29:32,120 --> 00:29:33,520
Speaker 2: it out. But if we're to keep it.

635
00:29:33,480 --> 00:29:37,920
Speaker 1: In, I feel like, remember remember that Jessica Simpson. She

636
00:29:38,040 --> 00:29:40,160
Speaker 1: was like, Okay, so I know this is fish, but

637
00:29:40,160 --> 00:29:41,520
Speaker 1: it's a chicken. Remember Chicken of the.

638
00:29:41,480 --> 00:29:43,360
Speaker 2: Sea classic two thousand and three reality.

639
00:29:43,480 --> 00:29:45,840
Speaker 1: Yeah, I'm feeling like Jessica Simpson. I'm like, so is

640
00:29:45,880 --> 00:29:47,800
Speaker 1: this chicken or is this fish? Because I know it

641
00:29:47,840 --> 00:29:54,880
Speaker 1: says chicken of the sea. Anyway, Thank God for my

642
00:29:54,920 --> 00:29:56,000
Speaker 1: great American.

643
00:29:55,720 --> 00:30:00,360
Speaker 2: Up carrying away our British listeners encourage that, right, a.

644
00:30:00,400 --> 00:30:02,840
Speaker 1: Great American upbringing where they didn't teach me anything but

645
00:30:03,040 --> 00:30:05,920
Speaker 1: American stuff. Sorry, do you want to take another question

646
00:30:06,040 --> 00:30:07,920
Speaker 1: or do you think we're good? Uh?

647
00:30:08,120 --> 00:30:10,160
Speaker 2: What it's up to you? I can't talk.

648
00:30:11,800 --> 00:30:13,160
Speaker 1: My last take one moment?

649
00:30:13,560 --> 00:30:14,440
Speaker 2: All right, go for it.

650
00:30:15,080 --> 00:30:19,360
Speaker 1: So this is from Well. I don't know if I

651
00:30:19,360 --> 00:30:20,760
Speaker 1: should say your name? You think we should say? Well,

652
00:30:20,800 --> 00:30:23,560
Speaker 1: she says her name. Okay, Hey Tracy, that's my sister's name,

653
00:30:23,560 --> 00:30:25,960
Speaker 1: and I like the way you spell it with the ie.

654
00:30:26,600 --> 00:30:28,960
Speaker 1: Hello ladies, let me start with I love your show.

655
00:30:29,080 --> 00:30:32,520
Speaker 1: Love you back, even as a fifty two year old woman. Okay, Tracy,

656
00:30:33,000 --> 00:30:36,479
Speaker 1: I've learned so much, so thank you. I have two sons.

657
00:30:36,800 --> 00:30:39,760
Speaker 1: One is a recent graduate college grad and the other

658
00:30:39,880 --> 00:30:43,200
Speaker 1: a high school sophomore. There are many resources. Are there

659
00:30:43,240 --> 00:30:45,920
Speaker 1: any resources or tools you could recommend for young people

660
00:30:46,080 --> 00:30:50,480
Speaker 1: to help them understand or start gaining knowledge on financial matters.

661
00:30:50,920 --> 00:30:54,360
Speaker 1: I know my sons are different levels in life. Currently,

662
00:30:55,320 --> 00:30:57,840
Speaker 1: my twenty three year old just got his first big

663
00:30:57,880 --> 00:31:01,320
Speaker 1: boy job along such a mom. But he can't start

664
00:31:01,360 --> 00:31:04,280
Speaker 1: contributing to the companies four one K until he's been

665
00:31:04,320 --> 00:31:07,200
Speaker 1: there a year? Should he open an I on wroth

666
00:31:07,240 --> 00:31:10,080
Speaker 1: Ira and the interm. So she has two questions, So

667
00:31:10,120 --> 00:31:13,160
Speaker 1: one resources for her sons and two the rawth ray

668
00:31:13,240 --> 00:31:15,120
Speaker 1: question you want to take? Can I take number one

669
00:31:15,120 --> 00:31:15,920
Speaker 1: and you take number two?

670
00:31:16,160 --> 00:31:16,720
Speaker 2: Go for it?

671
00:31:17,600 --> 00:31:19,800
Speaker 1: So number one I would say for your twenty three

672
00:31:19,880 --> 00:31:22,680
Speaker 1: year old son. So even though you know, I know

673
00:31:22,760 --> 00:31:25,719
Speaker 1: I speak to like women, you know, but the knowledge

674
00:31:25,760 --> 00:31:28,920
Speaker 1: is the same. What I would suggest for him is,

675
00:31:29,560 --> 00:31:32,680
Speaker 1: so I've got five Live Richer Challenges and he can

676
00:31:32,720 --> 00:31:36,320
Speaker 1: pick one that's based upon like where his needs are.

677
00:31:36,400 --> 00:31:38,800
Speaker 1: So there's the fundamentals. If he wants to learn everything,

678
00:31:38,840 --> 00:31:42,400
Speaker 1: there's the these are all free. There's the savings edition,

679
00:31:42,480 --> 00:31:46,040
Speaker 1: the credit edition, the network edition, and just most recently

680
00:31:46,120 --> 00:31:49,520
Speaker 1: the home buying edition. So for your son who's twenty three,

681
00:31:49,600 --> 00:31:51,760
Speaker 1: I likely would just tell him to start with the

682
00:31:51,840 --> 00:31:56,640
Speaker 1: fundamentals and if he goes to Live Richer Challenge dot

683
00:31:56,680 --> 00:31:59,000
Speaker 1: Com he can find it. What I like is that

684
00:31:59,080 --> 00:32:02,520
Speaker 1: I created it with the knowledge that you likely didn't

685
00:32:02,520 --> 00:32:04,600
Speaker 1: have any knowledge other than how to read, ride, ad

686
00:32:04,600 --> 00:32:06,800
Speaker 1: and subtract. So it's really going to walk him through

687
00:32:07,400 --> 00:32:11,320
Speaker 1: the basic fundamentals of financial education. And it's really perfect

688
00:32:11,520 --> 00:32:15,160
Speaker 1: for someone who's in their twenties. Now. For your high

689
00:32:15,200 --> 00:32:19,040
Speaker 1: school sophomore, that's a little bit harder. I'm not gonna

690
00:32:19,080 --> 00:32:28,479
Speaker 1: lie tost Yes, I don't know unless he's interested, you know,

691
00:32:29,560 --> 00:32:32,160
Speaker 1: then I don't know that there's a tool that I

692
00:32:32,200 --> 00:32:34,880
Speaker 1: know that's like super effective quite honestly for high school sophomores.

693
00:32:34,960 --> 00:32:38,160
Speaker 1: But what I will say is that it's less about

694
00:32:38,600 --> 00:32:40,480
Speaker 1: some sort of like cause your son who is twenty

695
00:32:40,480 --> 00:32:42,040
Speaker 1: three is going to be more open because he's like

696
00:32:42,040 --> 00:32:44,600
Speaker 1: making money now and he has a job. But the sophomore,

697
00:32:44,680 --> 00:32:46,920
Speaker 1: to me, I think it'd be more at home things.

698
00:32:47,840 --> 00:32:50,240
Speaker 1: I'm not sure if you give your sophomore any allowance,

699
00:32:50,840 --> 00:32:54,640
Speaker 1: but teaching him budgeting with the allowance, showing him the

700
00:32:54,680 --> 00:32:57,400
Speaker 1: household bills, so like, I feel like with the high

701
00:32:57,400 --> 00:33:00,120
Speaker 1: school student, showing him real life and action as it

702
00:33:00,120 --> 00:33:01,760
Speaker 1: relates to your money. That's what my dad did for me.

703
00:33:02,280 --> 00:33:05,760
Speaker 1: He would take, for example, the electric bill from the

704
00:33:05,800 --> 00:33:08,680
Speaker 1: month before in the current electric bill and highlight each

705
00:33:08,720 --> 00:33:11,280
Speaker 1: of the balances so we could see month to month

706
00:33:11,280 --> 00:33:12,880
Speaker 1: if it was going up or down or what did

707
00:33:12,880 --> 00:33:15,640
Speaker 1: that mean. If you have family meetings. We used to

708
00:33:15,680 --> 00:33:17,880
Speaker 1: have family meetings like once a week or once every week,

709
00:33:18,360 --> 00:33:21,040
Speaker 1: and we would talk about the state of the family's finances.

710
00:33:21,200 --> 00:33:24,920
Speaker 1: So to me, for your sophomore, just financial conversations and

711
00:33:24,960 --> 00:33:27,400
Speaker 1: allowing him to see you navigate as an adult in

712
00:33:27,440 --> 00:33:30,000
Speaker 1: the household with the finances, I think would be helpful.

713
00:33:30,200 --> 00:33:32,200
Speaker 1: And for your son, your older son, Like I said,

714
00:33:32,240 --> 00:33:36,120
Speaker 1: the liverature challenges, just one at a time though, because

715
00:33:36,480 --> 00:33:39,120
Speaker 1: it sends a daily email. That's a good things digital.

716
00:33:39,160 --> 00:33:42,480
Speaker 1: It'll send a daily email with the course, so it's

717
00:33:42,840 --> 00:33:45,120
Speaker 1: the fundamentals is a five recourse, but the other ones

718
00:33:45,160 --> 00:33:48,000
Speaker 1: are three recourses. So just choose one and you can

719
00:33:48,040 --> 00:33:50,480
Speaker 1: do it actually alongside him. That might be actually good.

720
00:33:50,520 --> 00:33:52,719
Speaker 1: That way, you guys can talk about it weekly and

721
00:33:52,720 --> 00:33:55,280
Speaker 1: what he learned and what he asked questions about.

722
00:33:56,000 --> 00:33:58,000
Speaker 2: Yeah, so fifteen you can get a part time job,

723
00:33:58,040 --> 00:33:59,479
Speaker 2: I think, right, I think I had a job at

724
00:33:59,480 --> 00:34:00,400
Speaker 2: fifteen sixteen.

725
00:34:01,120 --> 00:34:03,600
Speaker 1: I think by fourteen you can get working papers and work.

726
00:34:03,960 --> 00:34:05,720
Speaker 2: Yeah, I mean, I think you're right. Real life is

727
00:34:05,760 --> 00:34:07,840
Speaker 2: where you get a teenager of his real life to

728
00:34:07,880 --> 00:34:10,399
Speaker 2: the real money, So start I mean. And also what's

729
00:34:10,440 --> 00:34:12,160
Speaker 2: realist the threat of not being able to do what

730
00:34:12,200 --> 00:34:14,759
Speaker 2: your friends are doing. So you know, oh you want

731
00:34:14,760 --> 00:34:16,360
Speaker 2: to go on spring break, Well here's how much you

732
00:34:16,360 --> 00:34:18,319
Speaker 2: need to save and get a job to save it.

733
00:34:18,360 --> 00:34:20,319
Speaker 2: That can be one way you teach. And then I

734
00:34:20,360 --> 00:34:22,319
Speaker 2: feel like schools have maybe gotten a little bit better

735
00:34:22,360 --> 00:34:24,720
Speaker 2: than this, and if they haven't, maybe your community college

736
00:34:24,800 --> 00:34:26,600
Speaker 2: or your high school counselor might know where you can

737
00:34:26,640 --> 00:34:29,480
Speaker 2: find some trainings on student loan debt and like how

738
00:34:29,480 --> 00:34:31,920
Speaker 2: to plan for the cost of college, cause fifteen is

739
00:34:31,920 --> 00:34:33,759
Speaker 2: like the sweet spot to start planning, I feel like,

740
00:34:33,800 --> 00:34:37,040
Speaker 2: for college expenses and scholarships and grants and stuff. So

741
00:34:37,080 --> 00:34:39,319
Speaker 2: that could be a good opportunity to talk to him about,

742
00:34:39,400 --> 00:34:41,560
Speaker 2: you know, how he's going to help himself through college.

743
00:34:42,040 --> 00:34:44,600
Speaker 1: That's a good one. So question number two for you, Mandy,

744
00:34:44,800 --> 00:34:46,880
Speaker 1: is that her twenty three year old you know, just

745
00:34:46,880 --> 00:34:49,440
Speaker 1: got his first job, but he can't contribute to his

746
00:34:49,480 --> 00:34:52,959
Speaker 1: four one k. Should he open a rock ira while

747
00:34:52,960 --> 00:34:53,279
Speaker 1: he wait?

748
00:34:54,000 --> 00:34:55,960
Speaker 2: That's not a bad idea, but I would ask, you know,

749
00:34:56,000 --> 00:34:57,800
Speaker 2: haw's your twenty three year old saved up enough for

750
00:34:57,840 --> 00:35:00,439
Speaker 2: an emergency fund? First? Does he have you know, three

751
00:35:00,440 --> 00:35:03,319
Speaker 2: to six months worth of expenses set aside for what

752
00:35:03,360 --> 00:35:05,600
Speaker 2: if the job doesn't work out or his car breaks down?

753
00:35:05,840 --> 00:35:08,480
Speaker 2: I would say that's the first priority. And then after that,

754
00:35:08,520 --> 00:35:10,080
Speaker 2: you know, let's he already has it. He already has

755
00:35:10,120 --> 00:35:12,239
Speaker 2: an emergency fund saved, and he's still you know, kicking

756
00:35:12,280 --> 00:35:14,120
Speaker 2: in a little bit of money, and there's no reason

757
00:35:14,520 --> 00:35:16,600
Speaker 2: not to do that. It might even help him get

758
00:35:16,600 --> 00:35:20,120
Speaker 2: in the mindset where he's automatically saving for retirement, so

759
00:35:20,160 --> 00:35:21,799
Speaker 2: that when he does have access to his four oh

760
00:35:21,800 --> 00:35:24,040
Speaker 2: one K, he's already used to saving that money and

761
00:35:24,080 --> 00:35:26,200
Speaker 2: he's not going to suddenly miss it or feel like

762
00:35:26,239 --> 00:35:28,399
Speaker 2: he's you know, losing out on something by finally having

763
00:35:28,480 --> 00:35:31,560
Speaker 2: to save for his retirement funds. So not a bad idea.

764
00:35:32,200 --> 00:35:34,120
Speaker 1: Yeah, I like that. You're right getting him used to

765
00:35:34,200 --> 00:35:36,080
Speaker 1: not having that money.

766
00:35:36,239 --> 00:35:38,719
Speaker 2: Yes, it sucks, but like the sooner you can get

767
00:35:38,800 --> 00:35:40,560
Speaker 2: used to not having that money your bank account, like

768
00:35:40,719 --> 00:35:44,479
Speaker 2: auto saving. I just feel like I'm always a broke

769
00:35:44,520 --> 00:35:48,080
Speaker 2: college kid because I make myself broke by tricking myself.

770
00:35:49,360 --> 00:35:50,360
Speaker 2: It's all manipulation.

771
00:35:51,200 --> 00:35:54,080
Speaker 1: No, I'm smart, So I hope he's answered your questions

772
00:35:54,120 --> 00:35:57,920
Speaker 1: Tracy with an ie. You know, I like that, so

773
00:35:58,120 --> 00:36:01,080
Speaker 1: we are good on questions. If you have questions, you

774
00:36:01,120 --> 00:36:02,080
Speaker 1: can always go to.

775
00:36:03,320 --> 00:36:07,040
Speaker 2: Bron Enision podcast dot com dot com or head us

776
00:36:07,080 --> 00:36:11,200
Speaker 2: up at Brandison podcast at gmail dot com dot com.

777
00:36:11,280 --> 00:36:32,720
Speaker 3: Yes, now it's time to booster a break or booster

778
00:36:32,760 --> 00:36:36,080
Speaker 3: a break or booster break.

779
00:36:36,400 --> 00:36:38,240
Speaker 1: Well, that was a little better tone in the beginning.

780
00:36:38,400 --> 00:36:39,880
Speaker 2: See that says you.

781
00:36:43,239 --> 00:36:45,920
Speaker 1: Maybe it's I hate her. She can't give you my props.

782
00:36:45,960 --> 00:36:48,560
Speaker 1: You see, like by I had total voice control. The

783
00:36:48,640 --> 00:36:53,040
Speaker 1: tone was just white. It wasn't pitchy shade from sad,

784
00:36:54,800 --> 00:36:57,600
Speaker 1: like I can sing better with my throat.

785
00:36:57,640 --> 00:37:00,640
Speaker 2: God, that's blessed to be an old lady.

786
00:37:01,239 --> 00:37:03,800
Speaker 1: Oh, yes, me too. I'm actually looking forward to it. Like, remember,

787
00:37:03,800 --> 00:37:06,760
Speaker 1: my old lady name is Wanda, and I just feel

788
00:37:06,800 --> 00:37:08,719
Speaker 1: like Wanda got something for these kids out here in

789
00:37:08,760 --> 00:37:09,240
Speaker 1: these streets.

790
00:37:09,360 --> 00:37:10,280
Speaker 2: I think I'm a gretchen.

791
00:37:11,280 --> 00:37:14,080
Speaker 1: Oh, I can see that. I feel like, you know,

792
00:37:14,120 --> 00:37:16,320
Speaker 1: I'm not really much of a cusser, but for some reason,

793
00:37:16,400 --> 00:37:18,479
Speaker 1: I feel like Wanda has a potty mouth.

794
00:37:18,920 --> 00:37:20,799
Speaker 2: I think I've read something that says people who curse

795
00:37:20,880 --> 00:37:23,879
Speaker 2: yours truly included. It's like you're smarter or better at life.

796
00:37:23,960 --> 00:37:28,520
Speaker 2: I don't know if that was exact, finding something like that,

797
00:37:28,640 --> 00:37:31,040
Speaker 2: like you're more here and more intelligent. I don't know.

798
00:37:31,480 --> 00:37:33,439
Speaker 2: Just let one slip once in a while, and let's

799
00:37:33,440 --> 00:37:34,880
Speaker 2: ask sen steam.

800
00:37:36,120 --> 00:37:38,719
Speaker 1: Smater a better life. And that means Superman must be

801
00:37:38,760 --> 00:37:42,359
Speaker 1: the smartest and the bestest because he has Poti. Now

802
00:37:42,440 --> 00:37:43,840
Speaker 1: I'm like, do you have to just curse and just

803
00:37:43,880 --> 00:37:51,279
Speaker 1: regular conversation? He's like, shit, yeah, all right, So are

804
00:37:51,280 --> 00:37:52,839
Speaker 1: you gonna have a boost? Are you gonna have my rake?

805
00:37:53,200 --> 00:37:56,440
Speaker 2: I'm gonna do a very short boost before my voice

806
00:37:56,520 --> 00:37:58,880
Speaker 2: dies on me or a start hacking again. Let me

807
00:37:58,920 --> 00:38:00,880
Speaker 2: do a quick boost because I you've been using and

808
00:38:00,960 --> 00:38:04,200
Speaker 2: abusing my new discovery, which is Whole Food's Prime Delivery.

809
00:38:05,239 --> 00:38:07,120
Speaker 2: I don't know when is Amazon going to stop with

810
00:38:07,160 --> 00:38:11,200
Speaker 2: these perks because I get free two hour delivery from

811
00:38:11,239 --> 00:38:13,800
Speaker 2: Whole Foods whenever the heck I want it, and I

812
00:38:13,840 --> 00:38:15,920
Speaker 2: don't have to pay anything for except for a tip,

813
00:38:16,719 --> 00:38:19,400
Speaker 2: and I like, I just don't get it. But it's

814
00:38:19,440 --> 00:38:22,000
Speaker 2: all included if you're like a prime member, And I'm like,

815
00:38:22,160 --> 00:38:24,200
Speaker 2: but is this and I've done it three times in

816
00:38:24,239 --> 00:38:28,440
Speaker 2: the same week. It's amazing. Yeah, so shout out to that.

817
00:38:28,440 --> 00:38:30,800
Speaker 2: If you're a Prime member, go to Amazon dot com

818
00:38:31,080 --> 00:38:33,239
Speaker 2: and you might see a Whole Foods tab and put

819
00:38:33,239 --> 00:38:35,280
Speaker 2: in your zip code and see if you're eligible, because

820
00:38:35,320 --> 00:38:38,480
Speaker 2: it is magical if you are, I.

821
00:38:38,400 --> 00:38:40,880
Speaker 1: Think, mind you, Whole Foods is just down the street

822
00:38:40,920 --> 00:38:44,960
Speaker 1: and I am Prime Member. So have you used it before? No?

823
00:38:45,239 --> 00:38:47,480
Speaker 1: So this is like I I so food delivery. I'm

824
00:38:47,480 --> 00:38:48,920
Speaker 1: assuming you're meeting like groceries.

825
00:38:49,040 --> 00:38:51,799
Speaker 2: So what I mean is like I order online at

826
00:38:51,840 --> 00:38:54,080
Speaker 2: Amazon dot com, I shop Whole Foods and then I

827
00:38:54,160 --> 00:38:56,640
Speaker 2: hit deliver in a two hour window and it's usually

828
00:38:56,680 --> 00:38:58,680
Speaker 2: like like I woke up at ten am and I

829
00:38:58,680 --> 00:39:02,680
Speaker 2: had food delivered by one pm and it was free.

830
00:39:02,680 --> 00:39:04,480
Speaker 2: And they just show up in Whole Foods bags, Like

831
00:39:04,520 --> 00:39:06,400
Speaker 2: someone at Whole Foods packs you stuff. It's not like

832
00:39:06,440 --> 00:39:09,319
Speaker 2: Postmates or what's it called Instacart, where you're kind of

833
00:39:09,320 --> 00:39:11,920
Speaker 2: sending an uber driver kind of person into shop for you.

834
00:39:12,360 --> 00:39:14,440
Speaker 2: It's someone in the store. So I found that like

835
00:39:14,680 --> 00:39:18,000
Speaker 2: because with Instacart, people were picking me nasty produce or

836
00:39:18,040 --> 00:39:20,360
Speaker 2: like produce it wasn't ripe. And I found that like

837
00:39:20,400 --> 00:39:22,040
Speaker 2: the Whole Food's quality has been a little.

838
00:39:21,840 --> 00:39:24,200
Speaker 1: Bit better because like people who work there.

839
00:39:24,120 --> 00:39:26,000
Speaker 2: Yeah, and you track them through the app as far

840
00:39:26,000 --> 00:39:27,880
Speaker 2: as I know. Actually, I should probably look into that,

841
00:39:27,920 --> 00:39:29,799
Speaker 2: but I'm pretty sure it's happening in Whole Foods. And

842
00:39:29,800 --> 00:39:31,560
Speaker 2: then someone's like picking it up and taking it. I'm

843
00:39:31,560 --> 00:39:34,120
Speaker 2: not sure. But yeah, I've been really happy with it

844
00:39:34,160 --> 00:39:36,080
Speaker 2: so far, except for the fact that I think I'm

845
00:39:36,080 --> 00:39:38,400
Speaker 2: buying things just to be doing it, which is probably

846
00:39:38,440 --> 00:39:39,600
Speaker 2: not a good idea.

847
00:39:39,719 --> 00:39:40,799
Speaker 1: He said, bring it to me.

848
00:39:41,520 --> 00:39:44,600
Speaker 2: Yes, I just leave at the door, nice little paper bags.

849
00:39:44,600 --> 00:39:46,839
Speaker 2: You can recycle them.

850
00:39:46,920 --> 00:39:48,520
Speaker 1: Well, I'm just gonna take a little bit of a

851
00:39:48,520 --> 00:39:53,000
Speaker 1: break because of sadness. Poor Payless is going out of business.

852
00:39:53,040 --> 00:39:55,320
Speaker 1: What's happening in this world that pay lets can't survive?

853
00:39:55,800 --> 00:39:57,520
Speaker 2: Poor went out for Payless?

854
00:39:57,760 --> 00:40:01,600
Speaker 1: Yes, I can't believe. Like, honestly, I you probably get

855
00:40:01,600 --> 00:40:04,080
Speaker 1: too young for this, because you know you're millennials. For

856
00:40:04,160 --> 00:40:06,359
Speaker 1: those of you who are a woman of a certain age,

857
00:40:06,360 --> 00:40:10,239
Speaker 1: and you know, Jamal, you too, Remember when Payless used

858
00:40:10,239 --> 00:40:14,480
Speaker 1: to be called Fava. Oh, yes, that's how old I am, favor.

859
00:40:14,360 --> 00:40:16,120
Speaker 2: I didn't know they had a previous life.

860
00:40:16,920 --> 00:40:19,799
Speaker 1: Yes, they used to be called Fava and when I

861
00:40:19,840 --> 00:40:21,319
Speaker 1: was a kid, that's when my mom used to take

862
00:40:21,360 --> 00:40:23,520
Speaker 1: us for shoes. And then it became Payless, and it

863
00:40:23,640 --> 00:40:25,360
Speaker 1: was a little like, you know, seeing a little jazzier,

864
00:40:25,360 --> 00:40:28,640
Speaker 1: but it ain't not but favor. So yeah, I just

865
00:40:28,640 --> 00:40:30,680
Speaker 1: can't believe Payless is. I mean, it's you know, maybe

866
00:40:30,719 --> 00:40:34,480
Speaker 1: it'll have another iteration, maybe it'll be another company, but

867
00:40:34,600 --> 00:40:37,400
Speaker 1: that's just crazy. But from what I hear this Sunday,

868
00:40:37,480 --> 00:40:40,319
Speaker 1: they're actually having a huge liquidation sale. So if you

869
00:40:40,360 --> 00:40:42,400
Speaker 1: had your eye on a snazzy little number at Payless,

870
00:40:42,440 --> 00:40:43,560
Speaker 1: now's the time to go get it.

871
00:40:43,760 --> 00:40:45,480
Speaker 2: I don't know if they have snazzy numbers.

872
00:40:46,560 --> 00:40:47,040
Speaker 1: They do.

873
00:40:47,400 --> 00:40:50,400
Speaker 2: They do have all my grandma's coins from my childhood.

874
00:40:51,719 --> 00:40:54,480
Speaker 2: My grandma Ruby before she passed. She was only fifty

875
00:40:54,480 --> 00:40:57,120
Speaker 2: six when she passed, God rest result. But I think

876
00:40:57,160 --> 00:40:59,000
Speaker 2: I was six years old, but she used to take

877
00:40:59,000 --> 00:41:01,080
Speaker 2: me in when I visited her. You know, I think

878
00:41:01,120 --> 00:41:02,719
Speaker 2: I went I was going to church or something, and

879
00:41:02,760 --> 00:41:05,399
Speaker 2: she did not approve of my footwear, so she took

880
00:41:05,480 --> 00:41:07,720
Speaker 2: me to pay Less. I'll never forget the little ballet

881
00:41:07,760 --> 00:41:09,960
Speaker 2: flats with the little straps on them that she purchased

882
00:41:09,960 --> 00:41:12,840
Speaker 2: for me at Payless. They came for all my childhood brands,

883
00:41:12,840 --> 00:41:15,719
Speaker 2: Sears like I would. I mean I lived in the

884
00:41:15,760 --> 00:41:18,560
Speaker 2: Seiars plus size section. I have to say, hello, big

885
00:41:18,600 --> 00:41:20,120
Speaker 2: girls out there. Yes that was me.

886
00:41:20,320 --> 00:41:24,280
Speaker 1: Oh ye yeah, I remember seeing she used to sell everything.

887
00:41:24,360 --> 00:41:25,879
Speaker 1: I mean you would go in there for a washer

888
00:41:25,960 --> 00:41:28,640
Speaker 1: dryer and a T shirt and.

889
00:41:28,520 --> 00:41:31,680
Speaker 2: Get your car fixed and get the Seers portrait. Don't

890
00:41:31,719 --> 00:41:33,680
Speaker 2: have a serious family portrait.

891
00:41:34,960 --> 00:41:37,440
Speaker 1: No, and you can get a tire like just everything

892
00:41:37,480 --> 00:41:39,960
Speaker 1: at Sears. Yeah. No, you're right, they have comfort all

893
00:41:40,040 --> 00:41:42,080
Speaker 1: my fades. But I just can't believe Payless. I'm like,

894
00:41:42,120 --> 00:41:43,480
Speaker 1: I feel like they were just in the news. I

895
00:41:43,480 --> 00:41:47,120
Speaker 1: mean to I don't know what did millennials kill pay Less?

896
00:41:47,120 --> 00:41:48,880
Speaker 1: You know how they like to blame you for everything. Millennials,

897
00:41:49,160 --> 00:41:50,840
Speaker 1: you did this, I blame you.

898
00:41:51,040 --> 00:41:53,279
Speaker 2: And I think there's just better stuff online, like I

899
00:41:53,280 --> 00:41:55,399
Speaker 2: think the I think it's really the symptom of the mall.

900
00:41:55,440 --> 00:41:57,600
Speaker 2: I feel like Payless there's always that one Payless in

901
00:41:57,600 --> 00:42:00,520
Speaker 2: the malls, and malls are not that hot anymore. It's

902
00:42:00,560 --> 00:42:03,400
Speaker 2: just people shopping habits are changing, and I think people

903
00:42:03,440 --> 00:42:06,359
Speaker 2: have better, you know, taste now.

904
00:42:07,800 --> 00:42:10,160
Speaker 1: I mean, if not, if fashion Nova has anything to say,

905
00:42:10,160 --> 00:42:11,200
Speaker 1: have you heard of Fashion Nova.

906
00:42:11,800 --> 00:42:15,120
Speaker 2: No, Mandy fashion honestly.

907
00:42:16,480 --> 00:42:21,560
Speaker 1: Grab Mandy's millennial part not well yeah, but everyone it's

908
00:42:21,600 --> 00:42:27,080
Speaker 1: like it's like the HM like rainbow, you know, rainbow right,

909
00:42:27,200 --> 00:42:29,040
Speaker 1: like you know, I'm trying to think, it's like these

910
00:42:29,920 --> 00:42:32,359
Speaker 1: like these like you know, like yeah, Mandy. Yeah, so

911
00:42:32,440 --> 00:42:35,759
Speaker 1: it is the Mandy's and Rainbow of the Internet. But

912
00:42:35,840 --> 00:42:39,719
Speaker 1: it's huge, like everybody fashion Nova fit all the celebrities,

913
00:42:39,719 --> 00:42:41,600
Speaker 1: all the stars whatever they like. I guess they like,

914
00:42:41,640 --> 00:42:44,400
Speaker 1: you know, Hawk fashion Nova. But it's become a huge brand.

915
00:42:44,640 --> 00:42:48,239
Speaker 1: I've read somewhere the fashion Nova. The fashion Nova was

916
00:42:48,239 --> 00:42:52,920
Speaker 1: the number one googled fashion brand, above Gucci, above all

917
00:42:52,960 --> 00:42:55,239
Speaker 1: the rest. Isn't that crazy? It's a it's you know,

918
00:42:56,040 --> 00:42:57,879
Speaker 1: an eight, not even an eight. I think it's over,

919
00:42:58,000 --> 00:42:59,880
Speaker 1: you know, a billion dollar a year business something crazy

920
00:43:00,239 --> 00:43:03,400
Speaker 1: the guy who started it. But yeah, fashion No, but

921
00:43:03,400 --> 00:43:05,279
Speaker 1: it's huge. But it's also kind of like you know,

922
00:43:06,800 --> 00:43:09,800
Speaker 1: cheapy clothes that are like semi quality ish, I guess,

923
00:43:10,760 --> 00:43:13,359
Speaker 1: and so I mean and correct me if I'm wrong.

924
00:43:13,400 --> 00:43:14,480
Speaker 1: But I know a lot of people are actually like

925
00:43:14,520 --> 00:43:17,160
Speaker 1: some fashion over stuff that they're like, no, the tites

926
00:43:17,200 --> 00:43:18,920
Speaker 1: were really cute, or the jeans fit good. Or whatever.

927
00:43:19,760 --> 00:43:22,600
Speaker 1: But they're not like a super expensive or anything like that.

928
00:43:22,880 --> 00:43:24,920
Speaker 1: So I just feel like, Wow, if y'all like fashion noble,

929
00:43:24,920 --> 00:43:27,319
Speaker 1: but why don't you like pay Less? Is it because I.

930
00:43:27,239 --> 00:43:29,920
Speaker 2: Think it's the image? Yeah, for sure, the brand is

931
00:43:30,160 --> 00:43:31,160
Speaker 2: not sexy anymore.

932
00:43:31,640 --> 00:43:33,160
Speaker 1: Yeah, well I don't know that it was ever sexy,

933
00:43:33,200 --> 00:43:34,800
Speaker 1: even with favor. I don't think it's sexy.

934
00:43:34,840 --> 00:43:36,560
Speaker 2: But who wants to get shoes? I mean, it wasn't

935
00:43:36,560 --> 00:43:38,440
Speaker 2: cool when I was a kid to have pay Less shoes,

936
00:43:38,719 --> 00:43:41,000
Speaker 2: Like it's a sentimental for me, but no one like

937
00:43:41,080 --> 00:43:43,000
Speaker 2: I was lame, you know, like.

938
00:43:43,200 --> 00:43:45,960
Speaker 1: They call them. That's what they used to call them

939
00:43:45,960 --> 00:43:48,760
Speaker 1: back in the day, like on and you know why

940
00:43:48,960 --> 00:43:54,480
Speaker 1: the boys would do the safe they're like and I'm like,

941
00:43:54,600 --> 00:43:56,600
Speaker 1: because I don't know why, but it was just funny

942
00:43:56,600 --> 00:43:59,000
Speaker 1: for them to do that, like maybe lave my shoes alone.

943
00:43:59,760 --> 00:44:01,319
Speaker 1: Or pumpkin seeds that's what they used to call back

944
00:44:01,320 --> 00:44:04,160
Speaker 1: in the day. I'm dating myself from here because like

945
00:44:04,160 --> 00:44:05,799
Speaker 1: they're like, the shoes will be so flat. You ever

946
00:44:05,840 --> 00:44:07,640
Speaker 1: see the pumpkin seed, it's like flattened round.

947
00:44:08,480 --> 00:44:11,280
Speaker 2: Yeah, I know what they look like. It's a very

948
00:44:11,280 --> 00:44:13,960
Speaker 2: specific insult. I mean, I'm impressed by the eight year olds.

949
00:44:13,960 --> 00:44:15,200
Speaker 2: Who knows what the pumpkin seed is?

950
00:44:16,560 --> 00:44:22,640
Speaker 1: What? But anyway, see you later, Payless hopefully, well catch

951
00:44:22,640 --> 00:44:25,239
Speaker 1: you on the flip side, poor poor a little a

952
00:44:25,320 --> 00:44:27,479
Speaker 1: little wine out for pay Less, well, actually water because

953
00:44:27,480 --> 00:44:28,720
Speaker 1: pay lests can't afford wine.

954
00:44:29,000 --> 00:44:33,080
Speaker 2: I am checking out Cardi B's Fashion Nova collection right now. Okay.

955
00:44:33,600 --> 00:44:35,200
Speaker 2: It's very I mean I wouldn't wear this to work,

956
00:44:35,280 --> 00:44:36,400
Speaker 2: let's just put it that way.

957
00:44:36,600 --> 00:44:38,480
Speaker 1: Yes, but they have a they thing about fashion Nova.

958
00:44:38,480 --> 00:44:40,919
Speaker 1: They've got like jeans, They've got a bunch of stuff,

959
00:44:40,960 --> 00:44:44,320
Speaker 1: They've got everything. I just can't believe you have not

960
00:44:44,400 --> 00:44:45,840
Speaker 1: heard of fashion of I have.

961
00:44:46,080 --> 00:44:47,879
Speaker 2: I have. I knew the Cardi B. Thing. I didn't

962
00:44:47,880 --> 00:44:52,000
Speaker 2: even google it. I remembered. I just you know, I

963
00:44:52,000 --> 00:44:54,680
Speaker 2: haven't a shopped there. I'm terrible. I just literally just

964
00:44:54,719 --> 00:44:56,760
Speaker 2: still shop at the Gap. I just don't know anything

965
00:44:56,800 --> 00:44:58,120
Speaker 2: different than when I was sixteen.

966
00:44:58,239 --> 00:45:01,040
Speaker 1: Now, honestly, I shop at like literally Target is my

967
00:45:01,080 --> 00:45:03,240
Speaker 1: go to one of my go tos, and so is Marshalls.

968
00:45:03,239 --> 00:45:06,280
Speaker 1: And that's like it. I don't even those Marshall wrecks.

969
00:45:06,280 --> 00:45:07,440
Speaker 2: So I got to be in the right mood.

970
00:45:08,000 --> 00:45:10,440
Speaker 1: Yeah, but it's fine, Like, well, let me lie, let

971
00:45:10,440 --> 00:45:13,520
Speaker 1: me lie. My sister Tracy nor goes and then she'll

972
00:45:13,560 --> 00:45:15,480
Speaker 1: call me over. It's like I found some cute things coming.

973
00:45:15,600 --> 00:45:18,200
Speaker 1: I'm like, Oh, I used to love shopping. I was

974
00:45:18,200 --> 00:45:20,600
Speaker 1: a man. I was a Mandy's girl. Okay, I've spent

975
00:45:20,719 --> 00:45:23,799
Speaker 1: my whole fifteen year old check at Mandy's every two

976
00:45:23,800 --> 00:45:24,680
Speaker 1: weeks from maybe sitting.

977
00:45:24,800 --> 00:45:26,880
Speaker 2: There is nothing wrong with you no longer doing that.

978
00:45:29,120 --> 00:45:30,879
Speaker 2: In fact, I'd be worried if you did.

979
00:45:32,920 --> 00:45:36,759
Speaker 1: But yeah, so I no longer enjoy shopping. Anyway, this

980
00:45:37,040 --> 00:45:40,000
Speaker 1: was Funzi, Let's do it again next week. What do

981
00:45:40,000 --> 00:45:40,359
Speaker 1: you say?

982
00:45:40,840 --> 00:45:44,279
Speaker 2: Let's let's do it? Why not? Please send us your

983
00:45:44,320 --> 00:45:46,520
Speaker 2: text questions because we will have a tax expert on

984
00:45:46,560 --> 00:45:48,440
Speaker 2: the show, probably in the next couple of weeks.

985
00:45:50,360 --> 00:45:52,759
Speaker 1: All right, what I bad you to do? And feel better? Oh?

986
00:45:52,880 --> 00:45:56,160
Speaker 2: Thank you? I made it my voice, all right, thank

987
00:45:56,160 --> 00:45:58,279
Speaker 2: you for holding down the questions, putting it Doug about

988
00:45:58,280 --> 00:46:01,399
Speaker 2: you all. Have a good week.