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Speaker 1: Hey, hey, hey, ba fam. Please follow us on Apple

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Speaker 1: Podcasts and keep our audience growing. If your iPhone recently

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Speaker 1: updated to iOS fourteen point five, head to Apple Podcasts,

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Speaker 1: search for Brown Ambition and click on the plus button

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Speaker 1: in the upper right hand corner. Do that and you'll

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Speaker 1: be following our show Loop Loop. You can also follow

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Speaker 1: us on Spotify, on Stitcher, or on the Amazon Music app.

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Speaker 1: You will not do all that, you know, if you

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Speaker 1: had to Android, but you know Apple. That's fine, It's fine,

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Speaker 1: and now onto our show.

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Speaker 2: Heyba fam, I can't believe we've already passed the halfway

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Speaker 2: mark to June. How have I survived this long without

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Speaker 2: my girls? Any I'll tell you what these guest co

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Speaker 2: hosts have been phenomenal. Everyone has been so gracious, so

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Speaker 2: game to chat with me and open up about their

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Speaker 2: financial journeys. And today's co host, I have to say,

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Speaker 2: is no different. Jamila Souffran is the founder of Journey

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Speaker 2: to Launch, which if you have not subscribed, stop this podcast. Okay, fine,

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Speaker 2: you can probably multitask. So go to Apple or to

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Speaker 2: Spotify or wherever you get your podcasts and go find

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Speaker 2: her podcast and subscribe and follow. Jamila founded journey to

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Speaker 2: launch in twenty sixteen, after she decided during her three

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Speaker 2: hour commute yes from Brooklyn to New Jersey to her

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Speaker 2: corporate six figure job, that she was done Capital d done.

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Speaker 2: She eventually quit her corporate job after having her third

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Speaker 2: beautiful child and went on her journey to retire early.

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Speaker 2: It was along the way that Jamila realized, you know,

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Speaker 2: retiring early didn't have to be something that was put

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Speaker 2: on the backburn for ten, twenty, even thirty years. She

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Speaker 2: decided to build the lifestyle today that would not only

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Speaker 2: help her get to a place of financial independence, but

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Speaker 2: actually help her find a career in a professional platform

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Speaker 2: that would fulfill her in ways that her nine to

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Speaker 2: five job just never could. I hope you guys enjoyed

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Speaker 2: my conversation with Jamila and getting to know her a

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Speaker 2: little bit better. I honestly think between the stories about

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Speaker 2: her husband and my husband, and her journey to motherhood

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Speaker 2: and the fact that she left Corporate America, I just

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Speaker 2: felt like Jamila and I were talking to each other

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Speaker 2: at the exact right time that I needed it. Please

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Speaker 2: enjoy my conversation with Jamila, and if you haven't yet,

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Speaker 2: go check her out on all social media. She's at

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Speaker 2: Journey to Launch, and while you're at it, I have

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Speaker 2: a little, tiny additional request for you, guys, whether you've

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Speaker 2: been enjoying Brand Ambition for the entire six years we

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Speaker 2: have been on the air, or even if you just

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Speaker 2: found her podcast six days ago, we would really appreciate

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Speaker 2: if you went to Apple podcast and left us a

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Speaker 2: five star review. Right now, Brown Ambition honestly is not

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Speaker 2: sitting where it deserves to be sitting. I'm just gonna

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Speaker 2: go ahead and say it on the podcast rankings, not

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Speaker 2: by a virtue of downloads. We get amazing downloads from

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Speaker 2: our loyal listeners. Honestly, what's hurting us right now is

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Speaker 2: the lack of fresh review. So it only takes a

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Speaker 2: couple of seconds. Find Apple Podcasts wherever you listen to

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Speaker 2: your you know, wherever your smartphone or your desktop computer is.

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Speaker 2: Leave us a fire star review. Doesn't have to be long,

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Speaker 2: can be five words, ten words, fifteen, one hundred words.

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Speaker 2: If you're feeling, you know, very verbose, leave us a

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Speaker 2: review and show your love for Brown Ambition. Let's get

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Speaker 2: us to the top of the charts, y'all. I know,

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Speaker 2: I know, I know. Bea fan will not let us down. Okay,

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Speaker 2: that's it for me until we come back in a

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Speaker 2: brief moment with today's show featuring Jamila Souffrant of Journey

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Speaker 2: to Launch. Hey, Hey, hey, everybody, I am so excited

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Speaker 2: to introduce you to this week's guest co host. I

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Speaker 2: have to say this whole guest co host situation has

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Speaker 2: been a little well, well, first, I was a little

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Speaker 2: bit nervous to have someone in the chair besides Tiffany,

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Speaker 2: but it has been so amazing to talk to these

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Speaker 2: these wonderful personalities, these wonderful personal finance nerds, people who

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Speaker 2: have made it. There's their life's mission, just like we

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Speaker 2: have to really encourage folks to build wealth and take

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Speaker 2: control of their finances. And today's co host is no different.

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Speaker 2: Jamila Souffran, thank you so much for joining Brown Ambition.

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Speaker 3: Hi, Mandy, this is so exciting for me. So I

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Speaker 3: can't even tell you.

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Speaker 2: Hey, you're finally here. Yes, podcast sisters from Afar, So

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Speaker 2: tell me everything about you. Okay, So first and foremost,

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Speaker 2: I know I'm gonna do your little intro separately, but

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Speaker 2: your podcast is called Journey to Launch. What came first?

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Speaker 2: Was it your was it your blog? Journey to launch?

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Speaker 2: Was it the podcast? You know, did you did you

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Speaker 2: discover financial independence, retire early movement and then launch the podcast?

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Speaker 2: Tell me everything I want to know about the Jamila origin.

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Speaker 3: Well, it's like what came first, a journey or the launch?

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Speaker 3: So okay, for me, it's always a journey. Is the

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Speaker 3: first part of the process. I really discovered financial independence

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Speaker 3: and this idea about financial freedom and just optimizing your

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Speaker 3: finances because I was not happy at my job. I

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Speaker 3: had a nine to five, a crazy commute and was

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Speaker 3: commuting from Brooklyn to New Jersey every day and I

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Speaker 3: was doing that for years. So yeah, in my early twenties,

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Speaker 3: that's what I did. I graduated from school, got full

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Speaker 3: time job, and it was always a commute from Brooklyn

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Speaker 3: to New Jersey. But that was when I didn't have

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Speaker 3: any kids. That was when I was single, you know,

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Speaker 3: it was I had more capacity for that. But I

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Speaker 3: always had these dreams that I'd be free, Like I

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Speaker 3: was one of those kids that I grew up and

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Speaker 3: I just felt like I thought differently. I just didn't

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Speaker 3: like following the rules, and so I never imagined myself

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Speaker 3: working in a corporate environment forever, Like even if that

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Speaker 3: was going to be the case. I was going to

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Speaker 3: be done by thirty. That was my goal when I

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Speaker 3: started to work full time at twenty two. I'm going

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Speaker 3: to find a way to escape this cubicle life by

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Speaker 3: thirty years old. And then life happened. Started to make

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Speaker 3: a little bit more money in my career bills, and

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Speaker 3: I couldn't really figure out, how am I not going

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Speaker 3: to work and pay for the lifestyle I want and

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Speaker 3: live like everyone around me works until they retire. Everyone

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Speaker 3: around me is not happy. So who am I to

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Speaker 3: like want more? And it was really when I was

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Speaker 3: commuting again in my early thirties. So now I've been

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Speaker 3: working in corporate America for a while. I missed this

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Speaker 3: deadline of quitting my job by thirty. Now I'm thirty one,

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Speaker 3: pregnant with my first son on this commute from failure.

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Speaker 2: You know I give it up.

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Speaker 3: Well, you know I'm listening. I'm ambitious, I have that

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Speaker 3: brown ambition.

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Speaker 2: Yeah.

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Speaker 3: So I was like, okay, thirty one, non pregnant, and

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Speaker 3: this commute usually it takes me an hour and a

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Speaker 3: half two hours one way driving. Okay, this commute one

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Speaker 3: way when I was pregnant with my first son. It

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Speaker 3: was like three four hours, no lie of just traffic everywhere,

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Speaker 3: and I remember like breaking down in the car, you know,

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Speaker 3: just crying, hormones raging, and I was like, I'm not

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Speaker 3: doing this. I can't do this. So do those feel

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Speaker 3: of wanting to be free really swallow up in me again?

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Speaker 3: And I feel like I awoke in from this sleepwalking

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Speaker 3: life that I was living, and I said to myself,

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Speaker 3: there's no way that I want to do this rest

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Speaker 3: of my life. I have to figure out something else.

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Speaker 3: And so I started to when I got home, when

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Speaker 3: I got to work, you know, over the next couple

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Speaker 3: of months, how do I quit my job? How do

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Speaker 3: I retire? Early all these catchphrases that you you know,

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Speaker 3: put into Google when you may not be happy with

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Speaker 3: what you're doing. And I came across podcasts and blogs

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Speaker 3: talking about financial independence and freedom and I said, wait

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Speaker 3: a second, if there are people out there doing this,

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Speaker 3: I can figure out a way. And so that's essentially

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Speaker 3: how I started to become aware of this as an option,

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Speaker 3: financial independence. And then I started to listed to the

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Speaker 3: blogs and podcasts on my community, which then shaped me

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Speaker 3: into starting my own blog, Journey to Launch, which eventually

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Speaker 3: became the podcast and brand and what I do full time.

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Speaker 2: Now, Okay, wow, that was a great summary, but it

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Speaker 2: made it sound like it was just like lick at

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Speaker 2: it split. I was pregnant and then I had a

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Speaker 2: blog and a podcast. But what year was it? I

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Speaker 2: like to I like the timeline of things. So when

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Speaker 2: was this? When was this breakdown in your car? By

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Speaker 2: the way, my pregnancy hormonal breakdowns usually happened during an

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Speaker 2: Ed Sheering song whenever Ed Shearing came with it something

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Speaker 2: about his ginger voice. It just really touched my soul.

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Speaker 2: But anyway, yeah, so when was that breakdown? And then

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Speaker 2: when did you actually launch the platform?

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Speaker 3: Great question, so let me try to remember all the

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Speaker 3: dates now. But I was so I gave birth to

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Speaker 3: my first in twenty fourteen, and so this would have

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Speaker 3: been about twenty thirteen at some point, and I would

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Speaker 3: say this, So I told the story, and it seems

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Speaker 3: like I just you know, jumped and skipped and everything

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Speaker 3: worked out and it was clear, But it wasn't. I

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Speaker 3: didn't start Journey to Launch as a blog until a

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Speaker 3: couple years later, so you know, I sat on it

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Speaker 3: for a while because I didn't know what I wanted

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Speaker 3: to do with it, and I didn't want to be

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Speaker 3: like the face. I didn't know that this would be

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Speaker 3: my thing, like my business, my brand. It was more, Hey,

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Speaker 3: I'm listening to these people do it. I'm going to

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Speaker 3: start doing it myself and then let me share how

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Speaker 3: I'm doing it. And so it wasn't I think the

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Speaker 3: blog officially started. I always get this mixed up, like

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Speaker 3: two thousand and sixteen, I want to say, so it

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Speaker 3: did take a couple of years to actually like put

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Speaker 3: pen to paper or is this, you know, make a

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Speaker 3: blog post about it. Hey, this is how I'm going

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Speaker 3: to quit my job and reach financial impendance. By forty

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Speaker 3: that was like my timeline and I had I was

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Speaker 3: with my second kid by then, so I have three

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Speaker 3: kids all together now. So there were a lot of

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Speaker 3: you know, things that happened along the way that even

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Speaker 3: encouraged me more to figure things out than the podcast

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Speaker 3: though became the Well, the blog became the podcast officially

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Speaker 3: in twenty seventeen, So it took a couple of years

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Speaker 3: for that to all happen.

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Speaker 2: Wow. Well, from one solo, I was what was I

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Speaker 2: trying to think of, Like the people in the slobble

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Speaker 2: chairs at work, you know, using the company Wi Fi

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Speaker 2: to launcher side hustle, Like I really, I see you,

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Speaker 2: I feel you. That was me when I launched Brown Ambition.

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Speaker 2: So that's amazing. And you also had three kids along

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Speaker 2: the way. All right, so that's your goal then to

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Speaker 2: retire officially by forty.

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Speaker 3: Well okay, So here's the thing. This is the beauty

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Speaker 3: of what I call the unfolding of the journey is

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Speaker 3: because when I started Journey to Launch, I said I'm

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Speaker 3: going to reach financial independence my version of it, by

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Speaker 3: the way, which meant I didn't have to work in

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Speaker 3: corporate America. I can literally choose what I wanted to do.

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Speaker 3: We can live off our investments, I will say, because

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Speaker 3: I don't like when people leave things like this out.

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Speaker 3: I do have a husband. He did intend to still work.

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Speaker 3: He's a teacher, and so it was like a combination

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Speaker 3: of him still working but also us living off our

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Speaker 3: investments and or me earning money however I wanted to.

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Speaker 3: But the premise was that literally if we didn't want

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Speaker 3: to work, or if I didn't want to work and

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Speaker 3: bring in any money, we didn't have to. And then eventually,

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Speaker 3: like my idea of what financial freedom and independence meant

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Speaker 3: to me changed because I started to have this thing

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Speaker 3: on the side, Journey to Launch. I had a very

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Speaker 3: demanding corporate career, was having more kids, and I said

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Speaker 3: to myself, there's no way I'm not even going to

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Speaker 3: sacrifice the next four years juggling this all and being unhappy,

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Speaker 3: this two hour commute one way, these kids, this job,

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Speaker 3: this business on the side. Something has to go. And

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Speaker 3: you know, the kids weren't going to go, the husband

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Speaker 3: wasn't going to go, and I love Journey to Launch,

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Speaker 3: So it was the job. And so I actually made

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Speaker 3: the big decision for myself and the family that I

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Speaker 3: would leave my job right after giving birth to my

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Speaker 3: third child in twenty eighteen, which would change everything about

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Speaker 3: my journey because I could have stayed working in corporate

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Speaker 3: America kind of getting this so called guaranteed income, you know,

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Speaker 3: climbing the corporate ladder, and just it's all about the money.

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Speaker 3: I don't care how stressed I am, Like, I'm going

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Speaker 3: to make this money in this short amount of time,

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Speaker 3: save and invest as much as I can. Then we

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Speaker 3: reach our financial goals. And along the way, I said

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Speaker 3: to myself, you know what is not worth it. I'd

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Speaker 3: rather have a more sustained and balanced journey to freedom.

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Speaker 3: So if that means making less because this business is

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Speaker 3: not coming, you know, having a lot of money. You know,

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Speaker 3: my husband's a teacher, so his income was not going

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Speaker 3: to cover everything when I left my job, So that

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Speaker 3: meant dipping into our savings and not investing, it was

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Speaker 3: all worth it because for me, it was about freedom

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Speaker 3: in the now. I didn't want to wait. To me,

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Speaker 3: it was like, you know, some people say, oh, I'll

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Speaker 3: just work this job until I'm sixty five and then

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Speaker 3: I'll be happy. And I said to myself, while I

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Speaker 3: find myself on this path to financial independence. The one

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Speaker 3: thing I didn't say is when we started out and

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Speaker 3: we were both working in our jobs, we were able

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Speaker 3: to save a lot of money because I had a

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Speaker 3: high paying job. My husband was a teacher, and so

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Speaker 3: we in two years saved and invested one hundred and

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Speaker 3: sixty nine thousand dollars. Now, of course that is a

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Speaker 3: function of our income and just how kind of hard

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Speaker 3: we went in the paint to do that. But I

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Speaker 3: said to myself, it's okay if we don't ever do

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Speaker 3: that again, because right now, as a mom of going

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Speaker 3: on three kids. I'm wanting freedom, finding my passion finally

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Speaker 3: with journey to launch. This is what matters the most,

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Speaker 3: not the money. And so I always say that me

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Speaker 3: quitting my job and jumping into entrepreneurship full time either

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Speaker 3: has delayed the number side to financial independence. So maybe

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Speaker 3: it will take longer now that you know there's no

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Speaker 3: guaranteed income. Anything could happen, or it can accelerate it,

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Speaker 3: which I actually think it's accelerating it at this point

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Speaker 3: because I am working in my strengths and passion and

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Speaker 3: I do believe that with that flow comes money, comes

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Speaker 3: all the things that you do want. So yeah, my

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Speaker 3: version of financial independence and how I'm getting there has changed,

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Speaker 3: and I'm excited about.

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Speaker 2: It, manifest it. I love this. Well, Okay, there's so

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Speaker 2: much to unpack with what you just said, but the

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Speaker 2: most the key thing that my heart is just you know,

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Speaker 2: growing ten times its size as you're talking, is the

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Speaker 2: concept of waight like that that that analogy of someone

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Speaker 2: who wants to you know, just thinks of themselves. Okay,

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Speaker 2: I'm just going to keep working. I'm just I got

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Speaker 2: this job. There's a pension in twenty Maybe if you're

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Speaker 2: lucky there's a pension or you know, you'll get your

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Speaker 2: Social Security income. I'm just going to like keep working

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Speaker 2: until I'm sixty two or sixty five. But what like

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Speaker 2: that time isn't promised. And what I love about you know,

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Speaker 2: your message and what it seems like you've chosen for

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Speaker 2: yourself is no, let's let's build the life that we

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Speaker 2: enjoy that fulfills us. Now that also is a financially

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Speaker 2: fulfilling life as much as it is you know, mentally

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Speaker 2: fulfilling life, and then you know, whatever happens happens. But

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Speaker 2: like like it's like not waiting to be happy, it's

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Speaker 2: making it's taking risks and making decisions today to get

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Speaker 2: to where you want to go, but to actually enjoy

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Speaker 2: the life that you're living now. I just I love

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Speaker 2: that and I've that's exactly sort of how I've approached

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Speaker 2: my career as well. It's like time isn't promise. Something

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Speaker 2: about having a baby just makes you think of yes, death,

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Speaker 2: aholl the time and I don't know, like like what happens,

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Speaker 2: Like their life is so you know, their childhood is

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Speaker 2: so short, and you know it's it's like, why let's

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Speaker 2: not wait let's let's make it happen.

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Speaker 3: And you know, I find with being a parent too,

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Speaker 3: you just you want to be I want to be

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Speaker 3: a living example of what I want for them, and

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Speaker 3: you know, I want them to be happy, I want

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Speaker 3: them to be self sufficient. I want them to be

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Speaker 3: all these things in the world. And I can't really

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Speaker 3: tell them to go out and you know, follow their dreams,

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Speaker 3: be self sufficient if I can't do that, you know,

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Speaker 3: if I'm not a walking testament to that. So that's

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Speaker 3: kind of like one of my main reasons. I want

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Speaker 3: to show them what's possible.

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Speaker 2: So you also got invested in property, So I know

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Speaker 2: you mentioned you and your husband saved one hundred and

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Speaker 2: sixty nine thousand dollars or invested rather that's phenomenal. But

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Speaker 2: I read a little bit about you. I know you

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Speaker 2: and I have chatta before. I've google stocked you just

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Speaker 2: a little bit. And I know that you bought property

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Speaker 2: when you were super young. Can you talk about whether,

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Speaker 2: like what that decision was like for you and kind

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Speaker 2: of walk us through how you were able to buy

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Speaker 2: property young? And you know, I don't know how many

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Speaker 2: years it's been since then, but a chunk of time

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Speaker 2: has gone by, and certainly a few kids have gone

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Speaker 2: by since then, and how that investment is working out

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Speaker 2: for you today. Yeah.

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Speaker 3: So I put down on my first property at twenty two.

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Speaker 3: So it's a condo in Dumbo, Brooklyn. So anyone who's

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Speaker 3: not from New York City, that sounds for down under

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Speaker 3: the Manhattan Bridge Overpass. So it's the Academics for Dumbo.

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Speaker 3: And it came about because one, I was interested in

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Speaker 3: real estate from a fairly young age, like in my teens,

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Speaker 3: because of examples in my own neighborhood and in my

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Speaker 3: real life that owned real estate. Now I got to

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Speaker 3: just step back a little bit. So I am Jamaican.

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Speaker 3: I was born in Jamaica, the island, not Queens, nothing

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Speaker 3: wrong with the borough Queens. But I was born on

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Speaker 3: the island of Jamaica and came here when I was

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Speaker 3: two years old and born into a single mom who

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Speaker 3: had me at And that's important to say because she

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Speaker 3: had to come here first and to kind of like

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Speaker 3: establish herself and leave me behind at like eight months old,

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Speaker 3: which I can't even imagine how she did it, but

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Speaker 3: I kind of can. As a mom, you know, she

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Speaker 3: just had to forge and figure things out to have

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Speaker 3: a better start for me. And with saying all that

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Speaker 3: we came to this country with nothing, and the eventually

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Speaker 3: she she got her education, got her college education, and

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Speaker 3: then her education was really important for me, you know,

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Speaker 3: as most immigrants like that is like the way, the

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Speaker 3: path to something more. So I focused on education. And

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Speaker 3: while growing up, I saw my grandmother who really came

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Speaker 3: like as older Jamaican woman, typically you can't really do much,

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Speaker 3: you know, like other than wash, you know, clothes, her

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Speaker 3: take care of children, like that's what typically the older

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Speaker 3: generation did. And she came to this country with nothing

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Speaker 3: and ended up being able to buy a home in

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Speaker 3: the area that also was like up and coming in Brooklyn,

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Speaker 3: and so I kind of saw that happen. I saw

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Speaker 3: how hard she worked. I saw her hard and my

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Speaker 3: mom worked, and so I had this idea, wow, real estate,

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Speaker 3: Like if my grandmother could do this with the little

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Speaker 3: that she had, I maybe this is something I can do.

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Speaker 3: And so that was important for me to see because

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Speaker 3: people asked me, how did you know at such a

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Speaker 3: young age that you wanted to buy something? It was

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Speaker 3: because of these living examples in my life. And so

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Speaker 3: at twenty two, I had this really bright idea that

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Speaker 3: I wanted to own a Brownstone in Brooklyn, and I

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Speaker 3: was really going for things like in Bedstide Fort Green,

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Speaker 3: but at the time, being twenty two, like, I could

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Speaker 3: not afford any of that stuff, and I saw an

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Speaker 3: advertisement for this new development. It was pre construction, actually

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Speaker 3: condominium units in Dumbo, Brooklyn. So this was before Dumbo

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Speaker 3: is what it is now. Like now it's like one

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Speaker 3: of the most expensive places like in like Brooklyn and

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Speaker 3: New York City. And before back then, when I was looking,

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Speaker 3: it was just like a pile of dirt. There was

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Speaker 3: nothing there, no development, but it was like condos raging

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Speaker 3: studios from like the low three hundreds to like upwards

378
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Speaker 3: of you know whatever. But in comparison to the Brownstones

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Speaker 3: I was looking at, it seemed like a deal, even

380
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Speaker 3: though it was like such a small studio apartment. And

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Speaker 3: so I went there with my mom and I said,

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Speaker 3: you know what I want. I believed in the vision

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Speaker 3: that the developers had for the area and for the building,

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Speaker 3: and so I put down ten percent to hold that

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Speaker 3: unit while it was being built, and so the property

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Speaker 3: it took like two years.

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Speaker 2: Yeah, and how old were you twenty?

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Speaker 3: I was twenty two, when I put the money down,

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Speaker 3: and I always got to give props to my mom

390
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Speaker 3: because she gave me a little portion of the ten percent.

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Speaker 3: And I say that's important because this woman came here

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Speaker 3: with nothing before she even owned property. She gave me

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Speaker 3: money to help me buy my property. And so that

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Speaker 3: ten percent held the unit and then I had two

395
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Speaker 3: years until it was completed to come up with the

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Speaker 3: next ten percent the closing costs and.

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Speaker 2: To couple my son was given.

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Speaker 3: Yeah, so the unit was three hundred and eighty five

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Speaker 3: thousand dollars, so ten percent was thirty eight thousand dollars

400
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Speaker 3: and I had to we had to put down ten percent.

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Speaker 3: And at that point, like that was like literally everything

402
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Speaker 3: I ever had. And the reason why I had any

403
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Speaker 3: money was because I had an internship at with Inroads,

404
00:18:53,200 --> 00:18:56,199
Speaker 3: which I put minorities into Fortune five hundred companies, and

405
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Speaker 3: I was working. I was doing that in summer, making

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Speaker 3: decent money for like an eighteen nineteen twenty year old

407
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Speaker 3: for the last three years. And I was a saver

408
00:19:03,400 --> 00:19:06,240
Speaker 3: because my mom and grandma grandmother always taught me to save,

409
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Speaker 3: so I had some money to save up for that.

410
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Speaker 3: My mom also gave me money and so that helped

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Speaker 3: with the first ten percent, but it was not done

412
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Speaker 3: like that's not like, oh, we have the property, We're

413
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Speaker 3: good now. It was now you need to come up

414
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Speaker 3: with the next ten percent in two years to you know,

415
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Speaker 3: close on it and the closing costs and also technically

416
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Speaker 3: my income. So one of the saving graces was that

417
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Speaker 3: I knew when I was graduating from college I would

418
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Speaker 3: get a full time offer from the company that I

419
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Speaker 3: interned with, so I knew i'd had like a job.

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Speaker 3: But when I did the calculation, my income at that

421
00:19:34,840 --> 00:19:38,040
Speaker 3: point was going to barely cover like the mortgage when

422
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Speaker 3: we calculated it. But in my head, I'm like, well,

423
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Speaker 3: if I can save up enough, if I like save

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Speaker 3: up for the next two years while this thing is

425
00:19:44,000 --> 00:19:46,800
Speaker 3: being built all my money, if I lived at home,

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Speaker 3: which I was able to do with my mom, God,

427
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Speaker 3: like I said, God bless my mother, then I could

428
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Speaker 3: maybe have a fighting chance to like actually close on

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Speaker 3: this and not lose our ten percent and like live

430
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Speaker 3: there and then I should make more money and hopefully

431
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Speaker 3: this place appreciates and we'll be okay. Hey, And I

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Speaker 3: will tell you, Mandy, like all the stars aligned the

433
00:20:02,960 --> 00:20:05,439
Speaker 3: grace of God that yes, It worked out because in

434
00:20:05,440 --> 00:20:07,280
Speaker 3: the two years that it took to build, I was

435
00:20:07,320 --> 00:20:11,560
Speaker 3: able to save up the additional money to close on it,

436
00:20:12,119 --> 00:20:15,560
Speaker 3: the additional ten percent, and then extra to cover my

437
00:20:15,760 --> 00:20:18,760
Speaker 3: mortgage because my literally my my checks were like just

438
00:20:18,800 --> 00:20:20,479
Speaker 3: covering the mortgage. And I will tell you this just

439
00:20:20,480 --> 00:20:22,520
Speaker 3: like the last thing about this is, you know, with

440
00:20:22,560 --> 00:20:26,640
Speaker 3: the collapse of with the collapse of the markets back then,

441
00:20:26,720 --> 00:20:29,840
Speaker 3: So this was like around twenty fifteen, you know when

442
00:20:29,840 --> 00:20:32,560
Speaker 3: the markets Wait, what year was it that the market?

443
00:20:33,480 --> 00:20:36,720
Speaker 3: Two thousand and eight, Yes, crisis, Yeah, the housing crisis. Okay,

444
00:20:36,720 --> 00:20:38,600
Speaker 3: so yeah, I need to go back further, lists, go

445
00:20:38,640 --> 00:20:40,960
Speaker 3: back further. Two thousand and eight. They were doing no

446
00:20:41,080 --> 00:20:43,280
Speaker 3: loan doc closings at that time, which is why so

447
00:20:43,320 --> 00:20:45,880
Speaker 3: many people got in trouble, right, because they bought things

448
00:20:45,880 --> 00:20:47,879
Speaker 3: they couldn't afford. I was one of those people, Like

449
00:20:47,880 --> 00:20:50,720
Speaker 3: if they would have checked my salary stubs, they would

450
00:20:50,720 --> 00:20:51,080
Speaker 3: have like.

451
00:20:51,119 --> 00:20:53,040
Speaker 2: Just about to ask, how did you get this loan?

452
00:20:53,359 --> 00:20:57,119
Speaker 3: Exactly? So I'm telling you, like the stars aligned, the

453
00:20:57,200 --> 00:20:59,679
Speaker 3: grace of God, all these things worked out in my

454
00:20:59,680 --> 00:21:02,000
Speaker 3: favorite because literally I was not really supposed to be

455
00:21:02,080 --> 00:21:04,240
Speaker 3: able to close on that, but I took the risk

456
00:21:04,280 --> 00:21:07,000
Speaker 3: because I said to myself, listen, like the worst case scenario,

457
00:21:07,040 --> 00:21:08,720
Speaker 3: like look where you come from, Look where your moms

458
00:21:08,760 --> 00:21:11,199
Speaker 3: come from. Like the worst Yes, you lose like your

459
00:21:11,240 --> 00:21:13,239
Speaker 3: down payment, but maybe like at the end of the day,

460
00:21:13,280 --> 00:21:15,679
Speaker 3: you can sell it before you have to close on it,

461
00:21:15,720 --> 00:21:18,399
Speaker 3: but without any risk, there's no reward. And so I

462
00:21:18,440 --> 00:21:21,000
Speaker 3: really did go into this like almost like with everything

463
00:21:21,000 --> 00:21:23,399
Speaker 3: that I had, and it worked out. So by the

464
00:21:23,480 --> 00:21:25,840
Speaker 3: time I ended up closing one, I was able to

465
00:21:25,880 --> 00:21:29,720
Speaker 3: close because for no loan mortgage document process. And then

466
00:21:29,880 --> 00:21:32,520
Speaker 3: also it did appreciate, so I knew at the end

467
00:21:32,560 --> 00:21:34,280
Speaker 3: of the day once I moved in, like let's just

468
00:21:34,320 --> 00:21:36,280
Speaker 3: say I couldn't cover the mortgage after a while, like

469
00:21:36,280 --> 00:21:38,680
Speaker 3: I could sell it or rent it out, but the

470
00:21:38,720 --> 00:21:40,719
Speaker 3: real estate market had to bounce back a bit, and

471
00:21:40,800 --> 00:21:43,480
Speaker 3: so I was in a good place. And I still

472
00:21:43,520 --> 00:21:45,439
Speaker 3: own that property today. And I will say that that

473
00:21:45,560 --> 00:21:49,200
Speaker 3: is the riskiest but most rewarding thing I've ever done.

474
00:21:49,200 --> 00:21:53,040
Speaker 3: It's changed the trajectory I feel of my confidence and

475
00:21:53,160 --> 00:21:56,200
Speaker 3: my family's like wealth because I planned like to keep

476
00:21:56,200 --> 00:21:58,840
Speaker 3: it forever. It's more of an emotional purchase and I

477
00:21:58,880 --> 00:22:01,200
Speaker 3: have small kids and there's there's not too many people

478
00:22:01,200 --> 00:22:04,280
Speaker 3: who look like me that own in Dumbo, in that building,

479
00:22:04,440 --> 00:22:06,720
Speaker 3: And so I'm just excited for my kids to be

480
00:22:06,760 --> 00:22:08,399
Speaker 3: able to one day, you know, share it because they

481
00:22:08,480 --> 00:22:10,840
Speaker 3: probably fight over it, but share it in terms of

482
00:22:10,920 --> 00:22:13,200
Speaker 3: likeaby to live as their first starting place or maybe

483
00:22:13,240 --> 00:22:15,720
Speaker 3: when they have going they're going to college if they're local.

484
00:22:15,840 --> 00:22:17,159
Speaker 3: So I'm excited to have it.

485
00:22:17,800 --> 00:22:20,000
Speaker 2: They get to be those kids that other kids hate.

486
00:22:20,240 --> 00:22:23,200
Speaker 2: Oh no, their mommy not hate, but like, oh, their

487
00:22:23,200 --> 00:22:26,520
Speaker 2: mom has a studio in Dumbo, Like they don't have

488
00:22:26,560 --> 00:22:27,399
Speaker 2: to work that hard.

489
00:22:27,920 --> 00:22:30,960
Speaker 3: Well no, but I get it because somebody and I

490
00:22:31,000 --> 00:22:32,600
Speaker 3: get like I have had and I was like to

491
00:22:32,600 --> 00:22:34,720
Speaker 3: acknowledge like my privilege in a way, like there's a

492
00:22:34,760 --> 00:22:37,280
Speaker 3: lot of things like I didn't have growing up, but

493
00:22:37,440 --> 00:22:40,800
Speaker 3: I did have some privileges, and I think it's important

494
00:22:40,800 --> 00:22:43,080
Speaker 3: to acknowledge that and see that like for what they are.

495
00:22:43,359 --> 00:22:45,119
Speaker 3: But then I think about my mom who had nothing,

496
00:22:45,160 --> 00:22:46,960
Speaker 3: and so maybe someone can't relate they don't have a

497
00:22:46,960 --> 00:22:49,159
Speaker 3: supportive parent, they don't have a parent that can give them, like,

498
00:22:49,359 --> 00:22:50,880
Speaker 3: you know, a couple of thousand to help with their

499
00:22:51,240 --> 00:22:52,959
Speaker 3: down payment. But then I think about like where my

500
00:22:53,000 --> 00:22:55,679
Speaker 3: mom came from, as like literally a single mom with nothing,

501
00:22:55,720 --> 00:22:57,840
Speaker 3: and I'm like, wow, Like, but you can change your

502
00:22:57,840 --> 00:23:00,320
Speaker 3: family's trajectory. You can't do something else. And I just

503
00:23:00,359 --> 00:23:01,639
Speaker 3: feel like if my mom was able to do it,

504
00:23:01,640 --> 00:23:03,560
Speaker 3: not even me, Like, if my mom was able to

505
00:23:03,560 --> 00:23:05,600
Speaker 3: do what she did, I'm like, you are my inspiration.

506
00:23:05,680 --> 00:23:06,399
Speaker 3: I can do anything.

507
00:23:07,520 --> 00:23:10,280
Speaker 2: Wow. Well, I have a soft spot in my heart

508
00:23:10,400 --> 00:23:13,400
Speaker 2: for Jamaican mamas because I feel like I have three

509
00:23:13,560 --> 00:23:17,760
Speaker 2: Jamaican neighbors and they like before, I was a little

510
00:23:17,760 --> 00:23:19,720
Speaker 2: freaked out because when I was pregnant with my son

511
00:23:19,960 --> 00:23:22,960
Speaker 2: a couple of years ago, my especially one neighbor, Paula, Oh,

512
00:23:23,080 --> 00:23:25,360
Speaker 2: I love her so much. She basically started calling him

513
00:23:25,359 --> 00:23:27,879
Speaker 2: her son and called me her daughter. And I was like,

514
00:23:27,920 --> 00:23:30,400
Speaker 2: who is this nice lady? But like she is all

515
00:23:30,640 --> 00:23:33,639
Speaker 2: she is. But they they just care so much, like,

516
00:23:33,760 --> 00:23:36,720
Speaker 2: oh my god, they care and they love. So that

517
00:23:36,840 --> 00:23:40,200
Speaker 2: is my That is my shout out to all Jamaican

518
00:23:40,200 --> 00:23:40,920
Speaker 2: mamas out there.

519
00:23:40,840 --> 00:23:42,800
Speaker 3: Because Paula's such a Jamaican name too.

520
00:23:42,880 --> 00:23:46,560
Speaker 2: Pault Yes, Oh, she's got a whole I should have

521
00:23:46,560 --> 00:23:48,040
Speaker 2: paul Otte in the show one day. She's like one

522
00:23:48,080 --> 00:23:51,840
Speaker 2: of eleven. Anyway, I digress. Yeah, Jamaican mama's but no,

523
00:23:52,000 --> 00:23:55,920
Speaker 2: that that's really extraordinary and listen and it's it's one

524
00:23:55,920 --> 00:23:58,520
Speaker 2: of those things where, oh, to be twenty two and

525
00:23:58,560 --> 00:24:03,679
Speaker 2: to have the to have the audacity and the bravery

526
00:24:03,720 --> 00:24:06,400
Speaker 2: the courage to make a huge decision like that, and

527
00:24:06,760 --> 00:24:09,639
Speaker 2: that's just amazing. It's amazing, and you could never like

528
00:24:09,720 --> 00:24:13,480
Speaker 2: recreate that time in your life before kids, before a husband,

529
00:24:13,600 --> 00:24:15,919
Speaker 2: like when you are just doing things for yourself and

530
00:24:16,000 --> 00:24:18,880
Speaker 2: you you just believed in yourself so much like you

531
00:24:19,359 --> 00:24:20,760
Speaker 2: at the end of the day, that was really you.

532
00:24:20,840 --> 00:24:23,560
Speaker 2: It feels like taking a bet on your own cap,

533
00:24:23,680 --> 00:24:26,960
Speaker 2: like your own human capital. Yeah, I'm going to even

534
00:24:27,000 --> 00:24:28,840
Speaker 2: And you were like the mortgage lender in a sense

535
00:24:28,880 --> 00:24:31,879
Speaker 2: because even though they weren't checking your income like you

536
00:24:31,960 --> 00:24:33,880
Speaker 2: were doing it and you knew what you were getting into.

537
00:24:34,160 --> 00:24:35,920
Speaker 2: And you said, I know this is a sticky situation,

538
00:24:36,080 --> 00:24:39,479
Speaker 2: but I know me, I know my prospects, and I

539
00:24:39,560 --> 00:24:42,240
Speaker 2: know that I can do this. And you really did.

540
00:24:42,280 --> 00:24:45,000
Speaker 2: You took a chance on yourself in a really beautiful way.

541
00:24:45,800 --> 00:24:47,719
Speaker 3: Yeah, I mean I think this is a thing like

542
00:24:48,880 --> 00:24:50,800
Speaker 3: this is why personal finance, like on paper, if you

543
00:24:50,800 --> 00:24:52,840
Speaker 3: would have listed everything, all these things out and like

544
00:24:52,880 --> 00:24:54,919
Speaker 3: this is not a good idea and I think personal

545
00:24:54,920 --> 00:24:56,680
Speaker 3: finance and these decisions that we have to make. It's

546
00:24:56,720 --> 00:24:59,840
Speaker 3: really about having this almost belief in yourself that you

547
00:25:00,160 --> 00:25:01,760
Speaker 3: when things go wrong, Because I did think of the

548
00:25:01,760 --> 00:25:04,040
Speaker 3: worst case scenario, and I said to myself, will I

549
00:25:04,119 --> 00:25:06,000
Speaker 3: be able to recover? And I was like, I will,

550
00:25:06,040 --> 00:25:07,520
Speaker 3: Like I won't die. I do this soll even now

551
00:25:07,560 --> 00:25:10,240
Speaker 3: when I'm coming up with big decisions, I'm like, what's

552
00:25:10,280 --> 00:25:12,760
Speaker 3: the worst that can happen? And will you be alive still,

553
00:25:12,840 --> 00:25:15,080
Speaker 3: you know, other than something out of side of your control,

554
00:25:15,119 --> 00:25:17,439
Speaker 3: And most likely it's yes. And so I'm able to

555
00:25:17,480 --> 00:25:19,199
Speaker 3: take risk and I still take risk like this, like

556
00:25:19,240 --> 00:25:21,520
Speaker 3: leaving my job, like all these things, because I'm like,

557
00:25:21,560 --> 00:25:23,439
Speaker 3: I'm gonna bet on myself and I'm telling you, like

558
00:25:23,760 --> 00:25:25,720
Speaker 3: I would not be and have what I have today

559
00:25:25,720 --> 00:25:28,640
Speaker 3: without obviously standing on the shoulders of my mom obviously,

560
00:25:28,760 --> 00:25:30,800
Speaker 3: and then also just like this belief in myself and

561
00:25:30,840 --> 00:25:31,479
Speaker 3: going after it.

562
00:25:32,920 --> 00:25:37,439
Speaker 2: So you mentioned your your husband, you're your husban. Everyone's

563
00:25:37,440 --> 00:25:40,040
Speaker 2: got a Husbane. I call my husband husby. Listen. I

564
00:25:40,400 --> 00:25:42,679
Speaker 2: feel like we have a lot in common just in

565
00:25:42,720 --> 00:25:44,600
Speaker 2: the way that our relationships maybe have played out. But

566
00:25:44,640 --> 00:25:46,760
Speaker 2: you tell me if I'm wrong. But my husband works

567
00:25:46,760 --> 00:25:49,520
Speaker 2: for the government and he's always been our you know,

568
00:25:49,600 --> 00:25:51,639
Speaker 2: he likes to call himself a stable one. You know,

569
00:25:52,080 --> 00:25:53,639
Speaker 2: I'm going to keep my job, I'm going to get

570
00:25:53,680 --> 00:25:56,840
Speaker 2: my pension. You know, it's very secure his his job,

571
00:25:56,880 --> 00:25:58,720
Speaker 2: and he'll get his little raise every once in a while.

572
00:25:58,760 --> 00:26:01,560
Speaker 2: But it's not the you know, the way I approached

573
00:26:01,560 --> 00:26:04,199
Speaker 2: my career was sort of like I didn't think of

574
00:26:04,240 --> 00:26:07,200
Speaker 2: it as like a corporate ladder. I pretended like every

575
00:26:07,280 --> 00:26:09,840
Speaker 2: three rungs were just empty and I had to skip

576
00:26:09,880 --> 00:26:11,560
Speaker 2: a few rungs to get to the next one, and

577
00:26:11,600 --> 00:26:14,240
Speaker 2: I would just hop all over the place. And he,

578
00:26:14,520 --> 00:26:17,440
Speaker 2: you know, he has been you know, we have very

579
00:26:17,440 --> 00:26:21,119
Speaker 2: different approaches to I would say career into finance. But

580
00:26:21,160 --> 00:26:24,040
Speaker 2: it's been a pretty good balance. Although there have been

581
00:26:24,080 --> 00:26:27,320
Speaker 2: those times when I had the next big idea, or

582
00:26:27,359 --> 00:26:30,120
Speaker 2: I have I'm going into a salary negotiation and I'm

583
00:26:30,160 --> 00:26:33,080
Speaker 2: asking for way more money than he ever thought was possible,

584
00:26:33,160 --> 00:26:37,440
Speaker 2: and we have these different Yeah, there's just fundamental ways

585
00:26:37,440 --> 00:26:39,520
Speaker 2: that we approach our finances were a little bit different,

586
00:26:39,880 --> 00:26:42,640
Speaker 2: but it is a good balance. I wanted to ask about,

587
00:26:42,880 --> 00:26:46,000
Speaker 2: you know, you and your husband's dynamic because you have

588
00:26:46,119 --> 00:26:48,520
Speaker 2: this ambition to retire early and to you know, you

589
00:26:48,600 --> 00:26:50,719
Speaker 2: left your job and all of that. What was what

590
00:26:50,720 --> 00:26:53,719
Speaker 2: were those conversations like for the two of you And

591
00:26:53,840 --> 00:26:56,200
Speaker 2: was he always on board with it from the jump

592
00:26:56,400 --> 00:26:57,879
Speaker 2: or was that something that you guys kind of had

593
00:26:57,920 --> 00:27:01,480
Speaker 2: to grow into together, Especially for or couples who are listening,

594
00:27:01,600 --> 00:27:04,080
Speaker 2: or people who have partners who are listening and aren't

595
00:27:04,080 --> 00:27:08,760
Speaker 2: really sure how to like match their two long term

596
00:27:08,760 --> 00:27:09,439
Speaker 2: plans together.

597
00:27:10,040 --> 00:27:13,800
Speaker 3: This is so important because he was He looked at

598
00:27:13,800 --> 00:27:15,720
Speaker 3: me like I was crazy, because he is a very

599
00:27:15,720 --> 00:27:20,119
Speaker 3: simple man and he's very easy going. Right. So, and

600
00:27:20,720 --> 00:27:24,040
Speaker 3: you know, again, when i came to him a few

601
00:27:24,080 --> 00:27:26,119
Speaker 3: years ago and I'm telling him about all these stories

602
00:27:26,119 --> 00:27:28,960
Speaker 3: on podcasts I'm hearing people retiring and quitting their jobs,

603
00:27:29,000 --> 00:27:31,399
Speaker 3: He's just like, really, because I don't what are we

604
00:27:31,400 --> 00:27:34,040
Speaker 3: gonna do? Like what are you talking about? And it

605
00:27:34,080 --> 00:27:37,240
Speaker 3: really took some conversations to get him to kind of see.

606
00:27:37,280 --> 00:27:38,760
Speaker 3: And one of the things I always say with couples

607
00:27:38,840 --> 00:27:41,960
Speaker 3: is like, don't like I had to show him one

608
00:27:42,040 --> 00:27:44,919
Speaker 3: the numbers, the numbers for him, even for me, like

609
00:27:44,960 --> 00:27:46,600
Speaker 3: I had to believe the numbers, meaning I had to

610
00:27:46,640 --> 00:27:50,320
Speaker 3: map out Really is this possible. Will I be able

611
00:27:50,560 --> 00:27:52,840
Speaker 3: to one day quit my job early? How much money

612
00:27:52,920 --> 00:27:54,960
Speaker 3: can we save and invest if we aggressively do this,

613
00:27:55,000 --> 00:27:57,159
Speaker 3: if we cut back, if we become more optimized in

614
00:27:57,160 --> 00:28:00,000
Speaker 3: our finances, how much money can we have? So literally,

615
00:28:00,200 --> 00:28:01,960
Speaker 3: when I came home and told him the first time,

616
00:28:02,000 --> 00:28:03,679
Speaker 3: he looked at me like, what are you talking about?

617
00:28:04,000 --> 00:28:05,680
Speaker 3: And then over time what I did was I didn't

618
00:28:05,680 --> 00:28:07,840
Speaker 3: push him to this is really important. Just because you

619
00:28:07,920 --> 00:28:10,520
Speaker 3: come up with the realization or have an epiphany doesn't

620
00:28:10,520 --> 00:28:12,320
Speaker 3: mean like your partner world they have they have They're

621
00:28:12,359 --> 00:28:16,119
Speaker 3: on a whole another timeline. So I respected that, but

622
00:28:16,240 --> 00:28:18,480
Speaker 3: also started to show him, like the numbers, Like I

623
00:28:18,520 --> 00:28:21,639
Speaker 3: created this spreadsheet, and it showed like, if we do this, like,

624
00:28:22,160 --> 00:28:24,400
Speaker 3: first of all, step back from the spreadsheet, what does

625
00:28:24,520 --> 00:28:26,679
Speaker 3: a life look like now that we enjoy and what

626
00:28:26,720 --> 00:28:29,359
Speaker 3: does the life look like now in like twenty years,

627
00:28:29,440 --> 00:28:31,280
Speaker 3: right when the kids are this age, and like they're

628
00:28:31,280 --> 00:28:33,640
Speaker 3: at the house and we can travel, and how can

629
00:28:33,640 --> 00:28:36,240
Speaker 3: we balance that now? So we started with the dream

630
00:28:36,520 --> 00:28:38,320
Speaker 3: of our lives, what they are now and what we

631
00:28:38,360 --> 00:28:41,000
Speaker 3: want them to be, and then we like did numbers

632
00:28:41,000 --> 00:28:42,680
Speaker 3: around it, and I showed him, well, if we do

633
00:28:42,800 --> 00:28:46,520
Speaker 3: this make these changes in our finances, save and invest

634
00:28:46,640 --> 00:28:49,240
Speaker 3: this much over time, we can have you know, over

635
00:28:49,280 --> 00:28:52,959
Speaker 3: a million dollars in twenty years, and we can do

636
00:28:53,000 --> 00:28:54,840
Speaker 3: all these things. And that started to get him excited

637
00:28:55,000 --> 00:28:57,000
Speaker 3: because instead of me just saying it and talking, he

638
00:28:57,080 --> 00:29:00,400
Speaker 3: saw the numbers. And then the other thing I really

639
00:29:00,480 --> 00:29:03,600
Speaker 3: was important to say was yeah, I want to do this,

640
00:29:03,640 --> 00:29:05,560
Speaker 3: so I quit my job. But also, like you know,

641
00:29:05,680 --> 00:29:09,400
Speaker 3: I'm the mom. I'm I'm the one giving birth and

642
00:29:09,440 --> 00:29:11,320
Speaker 3: having three kids. I also have the crazy commute. See

643
00:29:11,320 --> 00:29:13,600
Speaker 3: my husband his job is maybe like ten minutes away

644
00:29:13,600 --> 00:29:16,560
Speaker 3: from our house. So he also knew the pressure of

645
00:29:16,720 --> 00:29:19,640
Speaker 3: just like my life, and he wanted me to be happy.

646
00:29:20,000 --> 00:29:21,920
Speaker 3: And so I made sure that like, oh, not only

647
00:29:21,960 --> 00:29:23,600
Speaker 3: like we were going to pursue what I wanted, like

648
00:29:23,640 --> 00:29:25,880
Speaker 3: in terms of a career or quitting my job, but

649
00:29:25,920 --> 00:29:28,080
Speaker 3: what is it that you want? So I definitely we

650
00:29:28,080 --> 00:29:30,840
Speaker 3: made sure that include his wants and hopes like into

651
00:29:30,880 --> 00:29:32,920
Speaker 3: what we were doing. You know, I don't really care

652
00:29:33,000 --> 00:29:35,840
Speaker 3: about having a nice car. We used to have nice

653
00:29:35,840 --> 00:29:38,200
Speaker 3: cars quote unquote back in the day before kids and

654
00:29:38,600 --> 00:29:40,840
Speaker 3: getting a little bit more optimized with our finances. But

655
00:29:40,840 --> 00:29:42,680
Speaker 3: I say, look, if I can I want to buy

656
00:29:42,720 --> 00:29:44,520
Speaker 3: you a car, you know, Like it was things like

657
00:29:44,520 --> 00:29:47,200
Speaker 3: that that got him excited. So that way we both were.

658
00:29:48,000 --> 00:29:50,880
Speaker 2: That was my way into baby. I said, save for

659
00:29:50,960 --> 00:29:54,440
Speaker 2: a Tesla. Let's was for a tesla. Yeah, let's investing

660
00:29:54,480 --> 00:29:54,960
Speaker 2: for a Tesla.

661
00:29:55,120 --> 00:29:56,800
Speaker 3: It's so important because he is a little bit more

662
00:29:57,120 --> 00:29:59,560
Speaker 3: like fancier, I would say, than me right, like I'm

663
00:29:59,600 --> 00:30:02,280
Speaker 3: good with kind of just like bare minimum, but sometimes fancy.

664
00:30:02,320 --> 00:30:04,040
Speaker 3: He's like, if I could do it fancy all the time,

665
00:30:04,080 --> 00:30:07,680
Speaker 3: I would, So talking about it in that term really

666
00:30:07,720 --> 00:30:10,240
Speaker 3: helped to let him know that this is a team effort.

667
00:30:10,240 --> 00:30:12,600
Speaker 3: It's not just about what Jamila wants. And also like

668
00:30:12,640 --> 00:30:16,360
Speaker 3: if I'm miserable because I'm working and driving all this time,

669
00:30:16,480 --> 00:30:19,640
Speaker 3: like those whole family is not gonna be like happy.

670
00:30:19,680 --> 00:30:21,520
Speaker 3: So let's work to a place that we can get to.

671
00:30:21,600 --> 00:30:23,800
Speaker 3: And so he eventually got on board with that. But

672
00:30:23,840 --> 00:30:26,160
Speaker 3: he's very easy going and laid back. Thank God for

673
00:30:26,200 --> 00:30:29,120
Speaker 3: that in terms of he pretty much trust me. We

674
00:30:29,160 --> 00:30:31,400
Speaker 3: have the open conversations about it, and even when it

675
00:30:31,440 --> 00:30:33,320
Speaker 3: came to quitting my job, because that was huge, like

676
00:30:33,360 --> 00:30:36,400
Speaker 3: my income was more than half of the family's combined income,

677
00:30:36,960 --> 00:30:38,680
Speaker 3: and so like it would almost been better if I

678
00:30:38,720 --> 00:30:40,840
Speaker 3: was a teacher and then he had his career, because then,

679
00:30:40,880 --> 00:30:42,760
Speaker 3: like you know, he can kind of stay on his trajectory.

680
00:30:43,120 --> 00:30:44,600
Speaker 3: But for me to walk away, it was like a

681
00:30:44,640 --> 00:30:47,160
Speaker 3: big step because what does that look like as a family.

682
00:30:47,200 --> 00:30:49,520
Speaker 3: We have three kids, we have a mortgage, like so

683
00:30:49,560 --> 00:30:52,000
Speaker 3: we literally had to save up enough money to cover

684
00:30:52,080 --> 00:30:55,440
Speaker 3: our expenses while journey to launch like started to you know,

685
00:30:55,480 --> 00:30:58,560
Speaker 3: become more stable, and that was scary, but we did

686
00:30:58,600 --> 00:31:02,600
Speaker 3: it together. We had the conversation and it's it's working

687
00:31:02,680 --> 00:31:03,280
Speaker 3: out so far.

688
00:31:03,440 --> 00:31:08,320
Speaker 2: So that's no, that's wonderful. I also have always been

689
00:31:09,280 --> 00:31:11,720
Speaker 2: it's so funny how the you know, in no shade

690
00:31:11,720 --> 00:31:14,040
Speaker 2: to your husband. I always talk to my husband. I'm like, dude,

691
00:31:14,080 --> 00:31:16,280
Speaker 2: you work for the government and you have the boogiest

692
00:31:16,320 --> 00:31:18,400
Speaker 2: taste of like where do you come off with this?

693
00:31:18,600 --> 00:31:21,640
Speaker 2: Like what He's like, I must he has like this

694
00:31:21,800 --> 00:31:24,880
Speaker 2: very specific T shirt brand. He gets custom shirts. I'm like,

695
00:31:25,120 --> 00:31:26,960
Speaker 2: I'm the one shopping in the clearance track at H

696
00:31:27,040 --> 00:31:29,520
Speaker 2: and M. But the same as you, I I we

697
00:31:29,800 --> 00:31:32,320
Speaker 2: I was I was earning probably like two three x

698
00:31:32,360 --> 00:31:34,880
Speaker 2: what he was earning at the at my peak earning

699
00:31:34,920 --> 00:31:38,040
Speaker 2: career in you know, corporate America, so to speak. But

700
00:31:38,560 --> 00:31:41,680
Speaker 2: that's so that's so funny, and it's also you know,

701
00:31:41,760 --> 00:31:44,600
Speaker 2: shouts out to shout out to partners. You know, I

702
00:31:44,640 --> 00:31:46,960
Speaker 2: don't put genders on and but partners who are willing

703
00:31:47,000 --> 00:31:49,600
Speaker 2: to maybe maybe they have their doubts, but they just

704
00:31:49,680 --> 00:31:52,520
Speaker 2: you know, have those in the shower alone. They they

705
00:31:52,560 --> 00:31:55,040
Speaker 2: support and they you know, have faith in their partners

706
00:31:55,080 --> 00:31:57,800
Speaker 2: to to really bet on themselves and to take their

707
00:31:57,840 --> 00:32:00,800
Speaker 2: career to a different place. That's really wonderful that he's

708
00:32:00,840 --> 00:32:04,960
Speaker 2: been supportive to you, and I I appreciate you talking

709
00:32:05,000 --> 00:32:08,160
Speaker 2: about the whole the values you know, and how you

710
00:32:08,680 --> 00:32:12,040
Speaker 2: as a partner. I've struggled with this too, probably a

711
00:32:12,080 --> 00:32:13,560
Speaker 2: little bit more than it sounds like you did. But

712
00:32:13,640 --> 00:32:15,800
Speaker 2: I was like, it was very hard for me to

713
00:32:16,120 --> 00:32:21,040
Speaker 2: start to share in the values based investing. Like so

714
00:32:21,560 --> 00:32:25,200
Speaker 2: for example, you know, I had no problem spending money

715
00:32:25,200 --> 00:32:28,600
Speaker 2: on values or experiences that I particularly wanted to have,

716
00:32:28,680 --> 00:32:31,000
Speaker 2: but when it came to a you know, if it

717
00:32:31,040 --> 00:32:34,120
Speaker 2: was a car or you know, uh, I don't know,

718
00:32:34,440 --> 00:32:37,160
Speaker 2: concert or something that you know, Enrique really wanted it was,

719
00:32:37,440 --> 00:32:40,360
Speaker 2: it was like, hmmm, it's not really worth it. And

720
00:32:40,400 --> 00:32:43,240
Speaker 2: I had to had to learn to share in that

721
00:32:43,320 --> 00:32:45,120
Speaker 2: I was. That was probably my one of the more

722
00:32:45,160 --> 00:32:48,160
Speaker 2: difficult challenges for me financially and like mentally as a

723
00:32:48,200 --> 00:32:51,920
Speaker 2: spouse was bringing them in and being open to you know,

724
00:32:52,040 --> 00:32:55,280
Speaker 2: they're what they value and not not discounting it and

725
00:32:55,320 --> 00:32:57,400
Speaker 2: making that a part of the overall plan.

726
00:32:57,720 --> 00:33:00,360
Speaker 3: Yeah, I mean, you know, it's important. Just like for me,

727
00:33:00,520 --> 00:33:02,760
Speaker 3: I think as growing up without really you know, I

728
00:33:03,840 --> 00:33:05,280
Speaker 3: didn't have a father in my life, or I had

729
00:33:05,320 --> 00:33:07,440
Speaker 3: father figures, I didn't really have a close relationship with them,

730
00:33:07,480 --> 00:33:09,880
Speaker 3: and so I was like for me, the value based

731
00:33:09,920 --> 00:33:12,479
Speaker 3: things like the simple even though I say he's fancy,

732
00:33:12,760 --> 00:33:15,520
Speaker 3: like the other things that he's about, which is like family,

733
00:33:15,720 --> 00:33:18,480
Speaker 3: and he's very grounded and supportive. Like it's like one

734
00:33:18,520 --> 00:33:20,440
Speaker 3: of the first signs like I saw in him, like

735
00:33:20,480 --> 00:33:23,640
Speaker 3: when we first started dating years ago, that I said, like,

736
00:33:23,680 --> 00:33:25,400
Speaker 3: out of all the things I want in someone, it

737
00:33:25,440 --> 00:33:27,840
Speaker 3: would be the opposite of what I knew my dad

738
00:33:27,880 --> 00:33:30,360
Speaker 3: to be. And so I think, whatever that is. I

739
00:33:30,400 --> 00:33:31,760
Speaker 3: know some people meet people like that and they are

740
00:33:31,800 --> 00:33:33,680
Speaker 3: not they don't turn out to be this way eventually.

741
00:33:33,720 --> 00:33:35,800
Speaker 3: But he that's what he is and who he is.

742
00:33:36,080 --> 00:33:37,920
Speaker 3: And so even as an entrepreneur and now like I know,

743
00:33:38,440 --> 00:33:41,440
Speaker 3: like having three kids, like he is an equal partner

744
00:33:41,480 --> 00:33:44,120
Speaker 3: in the house and in parenting. I still feel like

745
00:33:44,160 --> 00:33:46,000
Speaker 3: I do a little bit more, but I feel like

746
00:33:46,040 --> 00:33:49,120
Speaker 3: he is as much equal as outside of my controlling

747
00:33:49,160 --> 00:33:51,120
Speaker 3: self he can be in terms of how I like

748
00:33:51,200 --> 00:33:53,280
Speaker 3: things done. And it's been when people say how do

749
00:33:53,360 --> 00:33:55,360
Speaker 3: you do this? Like how did you manage all that

750
00:33:55,400 --> 00:33:57,960
Speaker 3: stuff when you were working and commuting and the kids,

751
00:33:58,000 --> 00:33:59,680
Speaker 3: and how do you even do it now? As like

752
00:33:59,680 --> 00:34:01,440
Speaker 3: a business owner and with the kids, It's like, well,

753
00:34:01,640 --> 00:34:04,959
Speaker 3: because I leave, he's an equal partner in this, and

754
00:34:05,040 --> 00:34:07,200
Speaker 3: that has a lot to do with I think how

755
00:34:07,200 --> 00:34:09,839
Speaker 3: it allows me to make money and be happy, and

756
00:34:09,840 --> 00:34:11,919
Speaker 3: how our household lives and how we choose to spend money.

757
00:34:12,040 --> 00:34:14,200
Speaker 3: So I'm proud of the fact that I chose I

758
00:34:14,280 --> 00:34:15,280
Speaker 3: chose him as my husband.

759
00:34:16,160 --> 00:34:21,839
Speaker 2: Oh what's his name, Woody? Oh that is adorable. Yeah,

760
00:34:21,960 --> 00:34:25,839
Speaker 2: that's really adorable. So let's talk about them babies as brat,

761
00:34:25,920 --> 00:34:27,799
Speaker 2: Carrey says, let's talk about the kids. So what are

762
00:34:27,800 --> 00:34:29,160
Speaker 2: their ages? Have to ask?

763
00:34:29,840 --> 00:34:31,759
Speaker 3: Yeah, oh, my gosh, So all the birthdays are coming

764
00:34:31,840 --> 00:34:35,200
Speaker 3: up or have passed. So one just turned three, one

765
00:34:35,320 --> 00:34:38,640
Speaker 3: just turned five, and one is turning seven tomorrow.

766
00:34:38,480 --> 00:34:40,480
Speaker 2: Oh wow, three to seven. So they all still are

767
00:34:40,520 --> 00:34:42,400
Speaker 2: just like attached to Mama and they don't.

768
00:34:42,320 --> 00:34:45,560
Speaker 3: Yeah, they're like, look, they don't care about anything but themselves.

769
00:34:45,640 --> 00:34:47,920
Speaker 3: It's like you should see this house, like every morning.

770
00:34:47,960 --> 00:34:49,560
Speaker 3: It's like it's crazy.

771
00:34:50,400 --> 00:34:54,719
Speaker 2: I have seen the destruction that one tiny human can create. Jamila.

772
00:34:54,960 --> 00:34:57,360
Speaker 2: I do not. Like there are days when I just

773
00:34:57,400 --> 00:34:58,960
Speaker 2: want to. I close the door of the Zenden, which

774
00:34:59,000 --> 00:35:01,120
Speaker 2: is my basement, and I just come down here and

775
00:35:01,160 --> 00:35:03,200
Speaker 2: I just like take some deep breaths because it just

776
00:35:03,800 --> 00:35:08,000
Speaker 2: pots and pans, Jamila, like all the utensils, dog toys,

777
00:35:08,040 --> 00:35:11,360
Speaker 2: It's insane. It's never actually toys. It's like everything in

778
00:35:11,400 --> 00:35:12,080
Speaker 2: the cabinets.

779
00:35:12,120 --> 00:35:14,080
Speaker 3: And they feed off of each other. Sometimes if one

780
00:35:14,080 --> 00:35:16,120
Speaker 3: works up before the rest, it's like, okay, we can,

781
00:35:16,239 --> 00:35:18,040
Speaker 3: I can do this. And then like when they all

782
00:35:18,120 --> 00:35:20,520
Speaker 3: like get up and they're just feeding off each other,

783
00:35:20,560 --> 00:35:24,080
Speaker 3: I'm like, all right, okay, got it. I got it.

784
00:35:24,080 --> 00:35:26,080
Speaker 3: And I'm definitely I was my mom. She jokes with me,

785
00:35:26,120 --> 00:35:28,520
Speaker 3: because I was never like that nurturing like I had.

786
00:35:28,560 --> 00:35:31,520
Speaker 3: I have many siblings, but my mom has I have

787
00:35:31,560 --> 00:35:33,520
Speaker 3: a little sister, and I was about fourteen when she

788
00:35:33,600 --> 00:35:35,719
Speaker 3: was born. And I never changed the diaper. Like that's

789
00:35:35,719 --> 00:35:37,839
Speaker 3: the kind of like big sister I was. So she's

790
00:35:37,960 --> 00:35:41,080
Speaker 3: like now as a parent, I'm like, I need my space.

791
00:35:41,120 --> 00:35:43,160
Speaker 3: But it's hard at this age because they really all

792
00:35:43,480 --> 00:35:45,759
Speaker 3: just fight to give me hugs, which I love. But

793
00:35:45,840 --> 00:35:46,720
Speaker 3: it's it's a lot.

794
00:35:47,160 --> 00:35:49,319
Speaker 2: It's a lot. But I wanted to talk about that

795
00:35:49,480 --> 00:35:52,200
Speaker 2: because we just were is the pandemic over yet? I

796
00:35:52,239 --> 00:35:54,560
Speaker 2: can't tell, but it feels like so at least a

797
00:35:54,600 --> 00:35:57,799
Speaker 2: solid year of pandemic life has gone by, and that

798
00:35:57,920 --> 00:36:01,239
Speaker 2: wasn't that far into you launching your business. So talk

799
00:36:01,280 --> 00:36:03,600
Speaker 2: to me, like, what what happened in y'all's world? And

800
00:36:03,600 --> 00:36:06,240
Speaker 2: I'm assuming you guys, you're not in the studio apartment

801
00:36:06,320 --> 00:36:10,480
Speaker 2: please say no, oh no, thank god, but paint a

802
00:36:10,480 --> 00:36:12,480
Speaker 2: picture for me. So do you work from home? You

803
00:36:12,560 --> 00:36:15,760
Speaker 2: got the three kids at home with you, your your husband,

804
00:36:15,840 --> 00:36:19,600
Speaker 2: I imagine during virtual school at home? What has that been? Like?

805
00:36:19,640 --> 00:36:23,080
Speaker 2: How have y'all? And congratulations for surviving it, but kind

806
00:36:23,080 --> 00:36:25,080
Speaker 2: of talk to me about how did that change the

807
00:36:25,160 --> 00:36:27,480
Speaker 2: dynamic of the household and your business while that was

808
00:36:27,520 --> 00:36:28,080
Speaker 2: all going on?

809
00:36:28,480 --> 00:36:31,520
Speaker 3: Oh, it was really rough for me. So I like

810
00:36:31,520 --> 00:36:33,120
Speaker 3: I quit my job right after giving birth to my

811
00:36:33,200 --> 00:36:35,440
Speaker 3: third in twenty eighteen, so I would say two as

812
00:36:35,440 --> 00:36:38,200
Speaker 3: in nineteen was my first full year in entrepreneurship, so

813
00:36:38,239 --> 00:36:40,319
Speaker 3: I count the s the first year twos nineteen kind of,

814
00:36:40,440 --> 00:36:43,040
Speaker 3: so I was in twenty now, hello pandemic. And so

815
00:36:43,360 --> 00:36:45,680
Speaker 3: it was hard because I was just feeling like I

816
00:36:45,680 --> 00:36:47,480
Speaker 3: was getting into the groove of being at home by

817
00:36:47,480 --> 00:36:51,440
Speaker 3: myself in the day and working, and then so this happened,

818
00:36:51,520 --> 00:36:54,640
Speaker 3: and I'm just like, okay and virtual learning, and they're

819
00:36:54,680 --> 00:36:56,520
Speaker 3: all at the age where they need assistance. They're not

820
00:36:56,560 --> 00:36:58,600
Speaker 3: independent like you can like go go, you know, just

821
00:36:58,600 --> 00:37:00,760
Speaker 3: go over there and chill kind and do your work,

822
00:37:01,640 --> 00:37:05,040
Speaker 3: and so it was really hard emotionally mentally. You know.

823
00:37:05,080 --> 00:37:07,560
Speaker 3: The good thing about is we did have live in help.

824
00:37:07,640 --> 00:37:10,080
Speaker 3: So my aunt, bless her heart, she was staying with

825
00:37:10,160 --> 00:37:11,640
Speaker 3: us and helping out with the kids. So she would

826
00:37:11,640 --> 00:37:15,240
Speaker 3: help mostly with the baby, my daughter. But the boys

827
00:37:15,280 --> 00:37:17,520
Speaker 3: wanted nothing, like they if they know we're upstairs, They're like,

828
00:37:17,840 --> 00:37:19,799
Speaker 3: I'm going to hang out with mom. And so it

829
00:37:19,840 --> 00:37:22,200
Speaker 3: was really hard because at first everything I felt like

830
00:37:22,200 --> 00:37:23,960
Speaker 3: more of it was on me because you know, so

831
00:37:24,000 --> 00:37:25,560
Speaker 3: I had to almost like look to my husband like

832
00:37:25,600 --> 00:37:27,879
Speaker 3: we're going to take turns with this virtual stuff, right,

833
00:37:27,960 --> 00:37:32,520
Speaker 3: and so we took more of a shared process while

834
00:37:32,560 --> 00:37:35,879
Speaker 3: he's still virtual learning him like teaching himself. So because

835
00:37:35,920 --> 00:37:37,759
Speaker 3: I also had work, it wasn't like I didn't have work.

836
00:37:37,800 --> 00:37:39,680
Speaker 3: We both had work, so to kind of like have

837
00:37:39,840 --> 00:37:42,440
Speaker 3: that kind of shared responsibility helped. And then you know,

838
00:37:42,480 --> 00:37:44,080
Speaker 3: the other thing that really helped me was getting back

839
00:37:44,120 --> 00:37:47,200
Speaker 3: into fitness because I needed to get out. So when

840
00:37:47,239 --> 00:37:48,840
Speaker 3: I did feel safe to go take a walk and

841
00:37:48,880 --> 00:37:51,480
Speaker 3: to run, I started to do that and that helped

842
00:37:51,600 --> 00:37:55,640
Speaker 3: tremendously because I just needed something for me outside of work,

843
00:37:55,880 --> 00:37:58,200
Speaker 3: outside of the kids, outside of the husband, and that

844
00:37:58,360 --> 00:38:02,399
Speaker 3: definitely was helpful. And what it is my recovery from

845
00:38:02,440 --> 00:38:02,960
Speaker 3: this whole thing.

846
00:38:04,600 --> 00:38:09,120
Speaker 2: I want to get there. I had gotten a peloton

847
00:38:09,480 --> 00:38:13,600
Speaker 2: last fall, and it's been wonderful. Look at me. I

848
00:38:13,680 --> 00:38:15,279
Speaker 2: just did the thing where they say if they if

849
00:38:15,520 --> 00:38:18,200
Speaker 2: someone has a peloton, they'll tell you. Anyway, my point is,

850
00:38:18,320 --> 00:38:22,000
Speaker 2: forget the peloton. I really got into a good exercise

851
00:38:22,080 --> 00:38:24,200
Speaker 2: groove last fall and I was starting to feel so

852
00:38:24,280 --> 00:38:27,800
Speaker 2: much better just mentally and physically. But then I left.

853
00:38:27,880 --> 00:38:31,480
Speaker 2: So I left. I started my new solo predewer path.

854
00:38:31,800 --> 00:38:34,279
Speaker 2: I guess now, I don't know, a couple of months ago,

855
00:38:35,040 --> 00:38:38,480
Speaker 2: my fitness routine has gone out the window. It's I

856
00:38:38,560 --> 00:38:43,160
Speaker 2: how any advice because it's almost like not having that

857
00:38:43,160 --> 00:38:45,439
Speaker 2: that I'm going to be working from nine to five

858
00:38:45,880 --> 00:38:48,120
Speaker 2: and having more of this I build my schedule every

859
00:38:48,200 --> 00:38:50,560
Speaker 2: day thing has given me this sense of oh, I

860
00:38:50,560 --> 00:38:52,440
Speaker 2: can work out whenever I want. But the problem is

861
00:38:52,440 --> 00:38:55,200
Speaker 2: that I just don't do it. Wait, any advice, I

862
00:38:55,239 --> 00:38:55,640
Speaker 2: feel you.

863
00:38:55,760 --> 00:38:57,680
Speaker 3: So the thing about this is probably so I used

864
00:38:57,680 --> 00:38:59,640
Speaker 3: to be more fit before the kids. I was like

865
00:38:59,680 --> 00:39:02,160
Speaker 3: into CrossFit, doing all this crazy stuff I felt like.

866
00:39:03,200 --> 00:39:04,640
Speaker 3: And then the kids, you know, and then I had

867
00:39:04,719 --> 00:39:07,360
Speaker 3: like developed something called Diaz DISCRECTI you know, the separation

868
00:39:07,440 --> 00:39:10,200
Speaker 3: of the abs that a lot of oh moms have.

869
00:39:11,000 --> 00:39:13,239
Speaker 2: Yeah. So for me, it's the stuff of nightmares that

870
00:39:13,239 --> 00:39:15,000
Speaker 2: I would read about before I had my baby.

871
00:39:15,080 --> 00:39:17,239
Speaker 3: Yeah, so it was hard. It was hard, and so

872
00:39:17,320 --> 00:39:18,560
Speaker 3: I was like at this I was I gave up.

873
00:39:18,600 --> 00:39:20,160
Speaker 3: I'm like, well, I feel like my body will never

874
00:39:20,239 --> 00:39:21,719
Speaker 3: be back. I didn't, and I didn't expect it to

875
00:39:21,719 --> 00:39:23,400
Speaker 3: go back to what it was. But something that I

876
00:39:23,440 --> 00:39:26,040
Speaker 3: felt like because I identified so much with being fit,

877
00:39:26,160 --> 00:39:29,319
Speaker 3: So I would say all this because running that's one

878
00:39:29,360 --> 00:39:31,279
Speaker 3: thing I do now, and I say I hate it,

879
00:39:31,400 --> 00:39:33,240
Speaker 3: but I still do it because I like the results

880
00:39:33,280 --> 00:39:35,920
Speaker 3: and I like the feeling afterwards. But I have to

881
00:39:36,000 --> 00:39:38,600
Speaker 3: schedule it in and I have to remember how I

882
00:39:38,640 --> 00:39:41,960
Speaker 3: feel after, because if I only think about the feeling

883
00:39:42,160 --> 00:39:44,400
Speaker 3: like right before, I don't want to do it. And

884
00:39:44,480 --> 00:39:46,399
Speaker 3: so I give myself grace. So for the times where

885
00:39:46,400 --> 00:39:48,200
Speaker 3: I'm overwhelmed, I need a nap, I take a nap.

886
00:39:48,480 --> 00:39:50,120
Speaker 3: But for the times where I know you will feel

887
00:39:50,120 --> 00:39:51,360
Speaker 3: so much better if you just go out there and

888
00:39:51,400 --> 00:39:53,600
Speaker 3: even just walk, maybe you don't run today, or if

889
00:39:53,640 --> 00:39:56,520
Speaker 3: you do go for that run, do it because you

890
00:39:56,520 --> 00:39:58,560
Speaker 3: you'll feel better because of it. And so for me,

891
00:39:58,640 --> 00:40:02,719
Speaker 3: it's literally just remembering the joy of the afterward and

892
00:40:02,760 --> 00:40:05,400
Speaker 3: the results that I'm seeing in terms of feeling better,

893
00:40:05,680 --> 00:40:08,719
Speaker 3: having more energy, feeling more like my old self. And

894
00:40:08,800 --> 00:40:11,160
Speaker 3: I literally do look at it as like me time,

895
00:40:11,239 --> 00:40:13,480
Speaker 3: like it's what I'm doing for myself. So that's kind

896
00:40:13,480 --> 00:40:15,520
Speaker 3: of what keeps me motivated. And to my husband is

897
00:40:15,560 --> 00:40:17,520
Speaker 3: kind of fit and I'm like, I'm sorry, there's no

898
00:40:17,520 --> 00:40:20,040
Speaker 3: way you're going to keep like running, working out and

899
00:40:20,080 --> 00:40:22,080
Speaker 3: looking like it's bad enough. You never had to like

900
00:40:22,080 --> 00:40:24,120
Speaker 3: get birth and you don't have to change in the body.

901
00:40:24,280 --> 00:40:26,040
Speaker 3: I'm like, you're not going to leave me behind, Like

902
00:40:26,200 --> 00:40:29,480
Speaker 3: I'm sorry. I'm gonna also do my best for me

903
00:40:29,760 --> 00:40:31,759
Speaker 3: because I want to feel good about myself. So that's

904
00:40:31,800 --> 00:40:32,680
Speaker 3: kind of what motivates me.

905
00:40:33,440 --> 00:40:35,520
Speaker 2: Oh that's nice. My husband's the one who can just

906
00:40:35,640 --> 00:40:38,759
Speaker 2: never gain weight but eat all the donuts, and he

907
00:40:39,000 --> 00:40:41,120
Speaker 2: is like, just come have a donut. What's the big deal.

908
00:40:41,239 --> 00:40:45,439
Speaker 2: I'm like, biologically, my I, it's we're not the same.

909
00:40:45,480 --> 00:40:49,880
Speaker 2: Get out of my face with that. That's awesome. Oh well,

910
00:40:49,920 --> 00:40:52,200
Speaker 2: I feel like this conversation has gone way too fast,

911
00:40:52,200 --> 00:40:54,759
Speaker 2: But I guess we should take a break really quick,

912
00:40:54,800 --> 00:40:57,719
Speaker 2: and we'll come back and answer some some listener questions

913
00:40:57,760 --> 00:41:00,319
Speaker 2: and then we'll have our special don't forget the brown

914
00:41:00,320 --> 00:41:02,680
Speaker 2: Boost Brown Break at the end. Be thinking about what

915
00:41:02,719 --> 00:41:05,319
Speaker 2: your brown boost and brown break could be. And I

916
00:41:05,400 --> 00:41:42,840
Speaker 2: will be right back with today's co host Jamilasu front. Okay,

917
00:41:43,040 --> 00:41:46,080
Speaker 2: we are back for questions again. You guys can reach

918
00:41:46,120 --> 00:41:48,480
Speaker 2: out to us, hit us up on Brown Ambition Podcast

919
00:41:48,560 --> 00:41:52,319
Speaker 2: on Instagram or headever to our website Brownambition podcast dot

920
00:41:52,360 --> 00:41:55,080
Speaker 2: com and click ask us anything to submit your question.

921
00:41:55,600 --> 00:41:59,200
Speaker 2: All right, Jamila, are you ready to shake up? Okay? Sweet?

922
00:41:59,239 --> 00:42:00,840
Speaker 2: All right, we have a couple I love great questions

923
00:42:00,880 --> 00:42:04,439
Speaker 2: from our listeners. First question comes from someone anonymous who's

924
00:42:04,480 --> 00:42:07,040
Speaker 2: expecting a little bit of an inheritance and wants to

925
00:42:07,080 --> 00:42:10,840
Speaker 2: know what to do with it. Alrighty, So they say,

926
00:42:11,040 --> 00:42:14,040
Speaker 2: I have about forty two thousand dollars in credit card

927
00:42:14,120 --> 00:42:17,719
Speaker 2: debt and only five thousand dollars in my emergency fund.

928
00:42:18,120 --> 00:42:20,400
Speaker 2: Due to a loss in my family, I'm expecting an

929
00:42:20,440 --> 00:42:23,680
Speaker 2: inheritance of about fifteen thousand dollars. Should I use that

930
00:42:23,760 --> 00:42:25,600
Speaker 2: money to put a dent in my debt, or to

931
00:42:25,640 --> 00:42:28,839
Speaker 2: beef up my emergency savings, or even try to grow

932
00:42:28,880 --> 00:42:32,279
Speaker 2: it through investing. I'm leaning towards putting it toward my debt,

933
00:42:32,360 --> 00:42:36,800
Speaker 2: but I was curious what you would suggest. Thank you, So, Jamila,

934
00:42:36,840 --> 00:42:38,480
Speaker 2: Before we take this one, I have to remind y'all,

935
00:42:38,480 --> 00:42:42,360
Speaker 2: we are your financial girlfriends, not your financial planners. So

936
00:42:42,880 --> 00:42:44,839
Speaker 2: we're going to give you some advice. We'll give you

937
00:42:44,880 --> 00:42:48,799
Speaker 2: some opinions, but ultimately you have to do it's best

938
00:42:48,800 --> 00:42:52,120
Speaker 2: for yourself and definitely seek out a professional financial advisor

939
00:42:52,560 --> 00:42:56,319
Speaker 2: or planner or other expertise if you really want to

940
00:42:56,320 --> 00:42:59,880
Speaker 2: get the best advice for your situation. Okay, disclaimers a

941
00:43:00,960 --> 00:43:03,920
Speaker 2: forty two K in credit card debt. My stomach is

942
00:43:03,960 --> 00:43:07,239
Speaker 2: turning in nods. Yeah so, but this has been a

943
00:43:07,280 --> 00:43:11,640
Speaker 2: wild year and fifteen K from an inheritance is not

944
00:43:11,719 --> 00:43:14,520
Speaker 2: a small amount of money. What are you feeling about this, Tamila?

945
00:43:14,880 --> 00:43:16,840
Speaker 3: Yeah, so all right with these questions. You know, I

946
00:43:16,880 --> 00:43:18,200
Speaker 3: wish I could just like talk to the person to

947
00:43:18,200 --> 00:43:19,960
Speaker 3: get more background. By no, we don't have time for that.

948
00:43:20,160 --> 00:43:23,000
Speaker 3: So it looks like the five K things that if

949
00:43:23,040 --> 00:43:24,960
Speaker 3: you're listening to this or anyone in this situation, I

950
00:43:24,960 --> 00:43:27,120
Speaker 3: would ask, Okay, how long does that five K take

951
00:43:27,160 --> 00:43:30,080
Speaker 3: you if there is an emergency or loss of income

952
00:43:30,440 --> 00:43:33,239
Speaker 3: on your beer bones like kind of budget. And so

953
00:43:33,280 --> 00:43:34,920
Speaker 3: if you tell me that can take you three to

954
00:43:35,000 --> 00:43:37,759
Speaker 3: six months, I don't know, depending on what that looks

955
00:43:37,800 --> 00:43:40,480
Speaker 3: like for you, then I'd say maybe put another one

956
00:43:40,520 --> 00:43:43,000
Speaker 3: two thousand another month or two on top of it,

957
00:43:43,040 --> 00:43:44,880
Speaker 3: depending on how much your cash flow is like to

958
00:43:44,960 --> 00:43:48,279
Speaker 3: live your life bear bones. And then I would look

959
00:43:48,320 --> 00:43:51,400
Speaker 3: at your debt and then make sure you are looking

960
00:43:51,440 --> 00:43:54,080
Speaker 3: at your highest interest rate debt, so you could either

961
00:43:54,080 --> 00:43:56,719
Speaker 3: look at a highest interest rate or lowest balance. But

962
00:43:56,760 --> 00:43:59,160
Speaker 3: if you want to do the be like math wise,

963
00:43:59,520 --> 00:44:02,839
Speaker 3: you pay off the highest interest rate first. It's not

964
00:44:02,880 --> 00:44:05,399
Speaker 3: all on one card, but it's almost like I would

965
00:44:05,400 --> 00:44:07,640
Speaker 3: put a couple thousand in emergency fund depending on if

966
00:44:07,640 --> 00:44:09,840
Speaker 3: it doesn't take you out for three to six months,

967
00:44:10,400 --> 00:44:13,200
Speaker 3: and then put the rest on your credit card. What

968
00:44:13,239 --> 00:44:14,920
Speaker 3: do you think, Mandy O.

969
00:44:15,480 --> 00:44:17,919
Speaker 2: This one's hard. Forty two thousand dollars in credit card

970
00:44:17,920 --> 00:44:20,600
Speaker 2: debt is a lot. I mean, if you're thinking about

971
00:44:20,600 --> 00:44:24,239
Speaker 2: the average APR, I mean even if you have like

972
00:44:24,280 --> 00:44:27,200
Speaker 2: perfect credit, what would it be like seventeen eighteen nineteen

973
00:44:27,239 --> 00:44:31,400
Speaker 2: percent is double digit? Yeah, credit interest rate and that

974
00:44:31,400 --> 00:44:34,080
Speaker 2: that forty two k it can just balloon so quickly.

975
00:44:34,320 --> 00:44:37,040
Speaker 2: And fifteen thousand dollars dett I don't really know the

976
00:44:37,120 --> 00:44:40,440
Speaker 2: particulars of what happens with inheritance, how it gets taxed

977
00:44:40,560 --> 00:44:43,640
Speaker 2: or not taxed. Is it fifteen k entirely or is

978
00:44:43,680 --> 00:44:45,600
Speaker 2: it like you know, when you get a bonus and

979
00:44:45,640 --> 00:44:49,960
Speaker 2: then it becomes ten k instead of fifteen. But my

980
00:44:51,160 --> 00:44:54,080
Speaker 2: gut is saying, put a dent in that debt. But

981
00:44:54,400 --> 00:44:57,200
Speaker 2: what concerns me most of all is the fact that

982
00:44:57,680 --> 00:45:00,360
Speaker 2: you know you've gotten that big of a credit hard

983
00:45:00,719 --> 00:45:04,120
Speaker 2: hole to begin with, and what might be like, that's

984
00:45:04,160 --> 00:45:07,640
Speaker 2: a pretty strong symptom that there's something off kilter and

985
00:45:07,760 --> 00:45:10,920
Speaker 2: your either your cash flow or your expenses, you know,

986
00:45:11,560 --> 00:45:14,760
Speaker 2: it's just not lining up. So and without having more information,

987
00:45:14,840 --> 00:45:18,120
Speaker 2: I would say, definitely look at you know, where did

988
00:45:18,120 --> 00:45:20,319
Speaker 2: this forty two K and credit card debt come from?

989
00:45:20,400 --> 00:45:23,759
Speaker 2: What caused me to accrue this debt? And this is

990
00:45:23,800 --> 00:45:28,440
Speaker 2: no judgment, like shit happens. I believe me. I'm no

991
00:45:28,520 --> 00:45:31,680
Speaker 2: stranger to debt myself. But you know, figure out what

992
00:45:32,000 --> 00:45:34,160
Speaker 2: was it and if it was, you know, I never

993
00:45:34,200 --> 00:45:37,680
Speaker 2: really had enough money in my emergency fund and maybe

994
00:45:37,719 --> 00:45:40,680
Speaker 2: it was medical bills or it was an unexpected expense

995
00:45:40,719 --> 00:45:43,560
Speaker 2: that you know, drove you to wrack up that credit

996
00:45:43,600 --> 00:45:48,280
Speaker 2: card debt that honestly, by not not putting cash away

997
00:45:48,320 --> 00:45:51,680
Speaker 2: for your emergency fund, you could just be like what

998
00:45:51,719 --> 00:45:53,040
Speaker 2: I'm trying to get at is if you put that

999
00:45:53,200 --> 00:45:56,120
Speaker 2: entire money toward your credit card debt and you still

1000
00:45:56,160 --> 00:46:00,400
Speaker 2: have a very small emergency fund, will you be quickly

1001
00:46:00,480 --> 00:46:03,640
Speaker 2: racketing back up that debt because you don't have that

1002
00:46:03,840 --> 00:46:08,399
Speaker 2: buffer of cash, you know, So I'm leaning toward more.

1003
00:46:08,760 --> 00:46:11,480
Speaker 2: I don't like put put maybe half of that fifteen

1004
00:46:11,560 --> 00:46:14,239
Speaker 2: k in your emergency fund and use the other half

1005
00:46:14,280 --> 00:46:17,760
Speaker 2: to start chipping away that credit card debt. But then say, okay,

1006
00:46:17,960 --> 00:46:20,080
Speaker 2: I'm putting this money in my emergency fund. It is

1007
00:46:20,120 --> 00:46:22,759
Speaker 2: on lockdown. That is for you know, that is for

1008
00:46:22,840 --> 00:46:25,839
Speaker 2: my own financial security, to be sure that you know,

1009
00:46:26,280 --> 00:46:28,719
Speaker 2: my family and myself are taken care of, and then

1010
00:46:28,760 --> 00:46:33,000
Speaker 2: get really aggressive about attacking that that remaining credit card

1011
00:46:33,080 --> 00:46:36,600
Speaker 2: debt balance looking into options like I love talking about

1012
00:46:36,640 --> 00:46:39,759
Speaker 2: debt consolidation loans, for example, you know, you can take

1013
00:46:39,800 --> 00:46:42,480
Speaker 2: out a personal loan through a credit union or through

1014
00:46:42,480 --> 00:46:45,640
Speaker 2: an online bank or something like that at a reduced

1015
00:46:45,640 --> 00:46:47,839
Speaker 2: interest rate. Then you're how much the credit card debt

1016
00:46:47,880 --> 00:46:51,760
Speaker 2: is costing. You get that all consolidated under one loan,

1017
00:46:52,280 --> 00:46:56,120
Speaker 2: and then you have a fixed payment monthly that you

1018
00:46:56,239 --> 00:46:58,600
Speaker 2: know how much a cost. And you also can live,

1019
00:46:59,239 --> 00:47:02,320
Speaker 2: you know, without them the crazy high interest rates accruing

1020
00:47:02,360 --> 00:47:04,879
Speaker 2: over your head that would accrue with a credit card.

1021
00:47:05,200 --> 00:47:07,520
Speaker 2: TEF and I talk about balance transfer cards. I don't

1022
00:47:07,520 --> 00:47:09,880
Speaker 2: know if you've ever used a balance transfer offer from

1023
00:47:09,920 --> 00:47:12,120
Speaker 2: a credit card, youmala or not. We didn't even talk

1024
00:47:12,160 --> 00:47:14,319
Speaker 2: about credit card debt, but I.

1025
00:47:14,320 --> 00:47:16,319
Speaker 3: Have, I have and it's smart. And I love that

1026
00:47:16,320 --> 00:47:19,000
Speaker 3: you're going back to like the behavior and habits that

1027
00:47:19,080 --> 00:47:20,960
Speaker 3: got her into the debt, because that you're right, that

1028
00:47:21,000 --> 00:47:22,960
Speaker 3: does matter in terms of what you do with this

1029
00:47:23,200 --> 00:47:24,160
Speaker 3: money that you're getting now.

1030
00:47:24,880 --> 00:47:27,400
Speaker 2: Yeah. Absolutely, And I would say, like if it was

1031
00:47:27,480 --> 00:47:28,880
Speaker 2: if it was fifteen K and that was going to

1032
00:47:28,960 --> 00:47:30,520
Speaker 2: knock out your credit card debt and you could start

1033
00:47:30,560 --> 00:47:33,400
Speaker 2: from scratch, I might say, Okay, go on and do it.

1034
00:47:33,440 --> 00:47:35,680
Speaker 2: But it's just such a big total. And after the

1035
00:47:35,719 --> 00:47:37,759
Speaker 2: year we've had, I just feel like people need to

1036
00:47:37,760 --> 00:47:40,360
Speaker 2: put their own safety, you know, life, vest on first

1037
00:47:40,800 --> 00:47:43,720
Speaker 2: and have a little bit more cushion in their emergency fund.

1038
00:47:43,760 --> 00:47:46,800
Speaker 2: But then listen, there's no getting out of that forty

1039
00:47:46,800 --> 00:47:49,080
Speaker 2: two thousand dollars in debt. That's not going to involve

1040
00:47:49,520 --> 00:47:53,280
Speaker 2: really looking at either how much you're spending or really

1041
00:47:53,320 --> 00:47:56,920
Speaker 2: pursuing increased earning. So I think twenty twenty one, this

1042
00:47:57,000 --> 00:47:59,040
Speaker 2: new post pandemic year, has got to be the year

1043
00:47:59,080 --> 00:48:01,480
Speaker 2: where you really sit down and, you know, think about

1044
00:48:01,520 --> 00:48:04,040
Speaker 2: how can I bring an additional income to chip away

1045
00:48:04,040 --> 00:48:07,640
Speaker 2: at this debt. And I don't know anything about your life,

1046
00:48:07,680 --> 00:48:10,480
Speaker 2: and I'm really I'm sure there may be circumstances that

1047
00:48:10,600 --> 00:48:13,880
Speaker 2: prevent you from taking on a side hustle or or whatever.

1048
00:48:13,920 --> 00:48:17,040
Speaker 2: This is a no judgment zone, but if you're capable

1049
00:48:17,120 --> 00:48:20,160
Speaker 2: of it, I would I would really try to start

1050
00:48:20,239 --> 00:48:22,160
Speaker 2: looking at ways to increase your income so that you

1051
00:48:22,160 --> 00:48:24,840
Speaker 2: can get that debt off your back and truly be

1052
00:48:24,880 --> 00:48:27,640
Speaker 2: on your way toward investing, which it sounds like you

1053
00:48:27,640 --> 00:48:31,640
Speaker 2: know you're thinking about investing as well. That is, that

1054
00:48:31,760 --> 00:48:35,680
Speaker 2: is an amazing goal to have, but it's it's difficult

1055
00:48:35,680 --> 00:48:37,640
Speaker 2: to get there when you also have such a huge,

1056
00:48:37,880 --> 00:48:39,799
Speaker 2: you know, credit card debt balance at the same time.

1057
00:48:39,960 --> 00:48:42,400
Speaker 3: Yeah, last thing I'll add on this is that you know,

1058
00:48:42,440 --> 00:48:45,000
Speaker 3: I'm not a fan of overthinking. Sometimes we can paralyze

1059
00:48:45,000 --> 00:48:48,080
Speaker 3: ourselves with like doing so much research we don't do anything.

1060
00:48:48,160 --> 00:48:49,640
Speaker 3: But don't think that as soon as you get the

1061
00:48:49,680 --> 00:48:52,319
Speaker 3: money you have to make an instant decision. I love

1062
00:48:52,360 --> 00:48:55,120
Speaker 3: that one. You're like listening to this podcast and you're

1063
00:48:55,120 --> 00:48:57,080
Speaker 3: setting in the question because that means you're aware, you

1064
00:48:57,120 --> 00:49:00,279
Speaker 3: know you are doing the work upfront, but don't be

1065
00:49:00,400 --> 00:49:03,320
Speaker 3: pressured into having to make a decision right away. Continue

1066
00:49:03,320 --> 00:49:05,000
Speaker 3: to think about all the things that Mandy and I

1067
00:49:05,080 --> 00:49:07,760
Speaker 3: just said, but make a decision I do think you should,

1068
00:49:07,760 --> 00:49:09,000
Speaker 3: but don't rush to do it.

1069
00:49:09,719 --> 00:49:13,400
Speaker 2: Yeah, that's it's important too, Yeah exactly. It's not like

1070
00:49:13,440 --> 00:49:15,440
Speaker 2: that money. You can just clunk it in your savings

1071
00:49:15,480 --> 00:49:18,040
Speaker 2: account and see how that feels for a bit while

1072
00:49:18,040 --> 00:49:20,480
Speaker 2: you're figuring out how to tackle that credit card debt.

1073
00:49:21,200 --> 00:49:22,680
Speaker 2: Just don't you know. I mean, the one thing I

1074
00:49:22,719 --> 00:49:25,080
Speaker 2: would say don't do is maybe don't buy bitcoin with it,

1075
00:49:25,680 --> 00:49:27,279
Speaker 2: so that that would re buy you like a third

1076
00:49:27,280 --> 00:49:30,200
Speaker 2: of a bitcoin these days. I don't know. All right, Well,

1077
00:49:30,280 --> 00:49:32,120
Speaker 2: I hope that this was helpful for you. Thank you

1078
00:49:32,160 --> 00:49:34,680
Speaker 2: so much for leaving us your question Again. Y'all hit

1079
00:49:34,719 --> 00:49:37,040
Speaker 2: us up at Brandon Mission podcast on IG if you

1080
00:49:37,040 --> 00:50:12,799
Speaker 2: have more questions for us. All right, Jamila, it is

1081
00:50:12,880 --> 00:50:15,120
Speaker 2: the time we've all been waiting for. It is the

1082
00:50:15,120 --> 00:50:17,880
Speaker 2: all important brown boost, brown break at the end of

1083
00:50:17,920 --> 00:50:20,440
Speaker 2: the show, what are you going to boost or break today?

1084
00:50:21,640 --> 00:50:26,360
Speaker 3: I'm going to break the expectation that we as women

1085
00:50:26,440 --> 00:50:28,359
Speaker 3: or leaders in our family who are in this role

1086
00:50:28,440 --> 00:50:32,720
Speaker 3: have to do everything. I think our lives just waking

1087
00:50:32,760 --> 00:50:34,560
Speaker 3: up by yourself, even if you don't have kids, okay,

1088
00:50:34,560 --> 00:50:36,880
Speaker 3: It's like life is hard, okay, and so I think

1089
00:50:37,080 --> 00:50:39,920
Speaker 3: this pressure on us to be perfect moms and to

1090
00:50:40,080 --> 00:50:43,319
Speaker 3: be fit and to know to send all the thank

1091
00:50:43,320 --> 00:50:45,560
Speaker 3: you notes and have just all these things. I think

1092
00:50:45,800 --> 00:50:49,360
Speaker 3: we need to really rebelegance and know that you're doing

1093
00:50:49,440 --> 00:50:51,800
Speaker 3: okay the best you can. And so it's really important

1094
00:50:51,800 --> 00:50:54,880
Speaker 3: to prioritize yourself and be selfish. And I know that

1095
00:50:54,880 --> 00:50:57,520
Speaker 3: sounds crazy, but for some people not anymore. You sound

1096
00:50:57,560 --> 00:50:59,359
Speaker 3: crazy to me, but I know that if I am,

1097
00:51:00,440 --> 00:51:02,759
Speaker 3: then everyone else in my family is happier because I

1098
00:51:02,760 --> 00:51:04,279
Speaker 3: can give more. And so I want to break the

1099
00:51:04,280 --> 00:51:06,520
Speaker 3: expectation that we have to be everybody to everyone else,

1100
00:51:06,680 --> 00:51:10,080
Speaker 3: and we need to be what we need for ourselves first.

1101
00:51:10,800 --> 00:51:12,879
Speaker 2: I love that, and I feel like that is that

1102
00:51:13,040 --> 00:51:16,120
Speaker 2: message and that thought process is so evident on your

1103
00:51:16,120 --> 00:51:18,239
Speaker 2: social media. I really love following you because I feel

1104
00:51:18,239 --> 00:51:20,160
Speaker 2: like it's so positive. So if you guys don't follow

1105
00:51:20,239 --> 00:51:23,480
Speaker 2: Jamila yet, go to follow her you twice. First follow

1106
00:51:23,520 --> 00:51:26,520
Speaker 2: her at her personal handle Jamila'suffront, and then second go

1107
00:51:26,760 --> 00:51:30,000
Speaker 2: follow her at Journey to Launch. On all social media platforms,

1108
00:51:30,360 --> 00:51:32,480
Speaker 2: it just feels like, yeah, it's a breath of fresh air,

1109
00:51:32,719 --> 00:51:34,280
Speaker 2: and thank you for that positive message.

1110
00:51:34,320 --> 00:51:34,840
Speaker 3: Oh thank you.

1111
00:51:35,400 --> 00:51:37,319
Speaker 2: Yeah. Well, let me end the show with a quick

1112
00:51:37,320 --> 00:51:42,400
Speaker 2: boost myself. We just celebrated the first official Juneteenth holiday

1113
00:51:42,440 --> 00:51:45,160
Speaker 2: on the federal calendar. It happens so quick, and I

1114
00:51:45,200 --> 00:51:46,960
Speaker 2: know that there was I don't know how you feel.

1115
00:51:46,960 --> 00:51:48,759
Speaker 2: We only have time to get into it, but there

1116
00:51:48,760 --> 00:51:51,799
Speaker 2: are some feelings about Juneteenth. Is it enough? Is it

1117
00:51:51,840 --> 00:51:54,839
Speaker 2: not enough? But you know what I decided. Of course,

1118
00:51:54,880 --> 00:51:56,600
Speaker 2: there's still so much work to be done. This is

1119
00:51:56,640 --> 00:51:58,799
Speaker 2: not it. You can't just give us a holiday and

1120
00:51:58,840 --> 00:52:01,200
Speaker 2: then call it quits. But I'm like, for one thing,

1121
00:52:01,640 --> 00:52:04,040
Speaker 2: we got something in the summer, y'all, Like it's not

1122
00:52:04,080 --> 00:52:07,320
Speaker 2: the dead of winter. That's nice to have some a

1123
00:52:07,440 --> 00:52:10,840
Speaker 2: chance to celebrate to blackness. And so what I decided

1124
00:52:10,840 --> 00:52:13,360
Speaker 2: to do this weekend was the weather was going to

1125
00:52:13,440 --> 00:52:15,840
Speaker 2: be okay, So I threw a last minute barbecue for

1126
00:52:16,000 --> 00:52:19,319
Speaker 2: my neighbors. And just in my neighborhood is, like I said,

1127
00:52:19,320 --> 00:52:21,040
Speaker 2: we have a lot of diversity. Mostly it's like a

1128
00:52:21,080 --> 00:52:25,080
Speaker 2: largely black neighborhood here in my county outside of New York.

1129
00:52:25,160 --> 00:52:27,719
Speaker 2: And I just invited the neighbors over. I got a

1130
00:52:27,719 --> 00:52:31,279
Speaker 2: big ass cake that said Juneteenth Freedom Day on it.

1131
00:52:31,680 --> 00:52:34,319
Speaker 2: We made burgers and hot dogs and it was just

1132
00:52:34,360 --> 00:52:36,120
Speaker 2: a I don't know it was just an opportunity to

1133
00:52:36,200 --> 00:52:39,480
Speaker 2: just come together as a community and to heal a

1134
00:52:39,480 --> 00:52:42,600
Speaker 2: little bit from the trauma, the trauma of a lifetime,

1135
00:52:42,600 --> 00:52:46,400
Speaker 2: but especially this past year. So I just wanted to say,

1136
00:52:46,640 --> 00:52:50,520
Speaker 2: you know, unapologetically, you know, celebrate these small pockets of

1137
00:52:50,920 --> 00:52:54,040
Speaker 2: positive time that we've been given. And if Juneteenth is

1138
00:52:54,080 --> 00:52:56,680
Speaker 2: an opportunity to do that, I would say, do it

1139
00:52:56,760 --> 00:53:01,360
Speaker 2: without apology. It was. It was really beautiful, and the

1140
00:53:01,440 --> 00:53:03,879
Speaker 2: work continues. You know, we still got to fight for

1141
00:53:04,239 --> 00:53:08,280
Speaker 2: voting rights and law enforcement reform and all of the things,

1142
00:53:08,320 --> 00:53:10,799
Speaker 2: but you know, it was it was a nice opportunity

1143
00:53:10,840 --> 00:53:13,520
Speaker 2: to sip back and just celebrate ourselves.

1144
00:53:13,640 --> 00:53:15,360
Speaker 3: And if I can add something there, I'm with you

1145
00:53:15,440 --> 00:53:17,920
Speaker 3: Mandy on that we need to lean into joy and

1146
00:53:18,040 --> 00:53:21,399
Speaker 3: choose joy, especially for those of us we have little

1147
00:53:21,440 --> 00:53:23,480
Speaker 3: ones watching us. And so for me, you know, we've

1148
00:53:23,480 --> 00:53:25,719
Speaker 3: been celebrating birthdays all for the last six weeks since

1149
00:53:25,760 --> 00:53:27,920
Speaker 3: they're all like kind of lumped up together. And so

1150
00:53:28,000 --> 00:53:29,840
Speaker 3: we went, we had fun, We went to Coney Island,

1151
00:53:29,880 --> 00:53:32,520
Speaker 3: and I'm just like, we deserve joy, we deserve rest,

1152
00:53:33,160 --> 00:53:35,799
Speaker 3: and we deserve to know we we can also earn

1153
00:53:35,880 --> 00:53:38,280
Speaker 3: money and be good with money and have the freedom

1154
00:53:38,320 --> 00:53:40,200
Speaker 3: we want with and without money. I know money is

1155
00:53:40,239 --> 00:53:42,440
Speaker 3: the baseline. I know that, but you know there's so

1156
00:53:42,560 --> 00:53:46,360
Speaker 3: much other untapped currency in our relationships and enjoy so

1157
00:53:46,400 --> 00:53:47,239
Speaker 3: let's lean into that.

1158
00:53:48,480 --> 00:53:51,319
Speaker 2: I love that. Well, Jamie, lastufront Journey to launch. Thank

1159
00:53:51,360 --> 00:53:53,680
Speaker 2: you so much for joining me in the co host chair.

1160
00:53:53,719 --> 00:53:54,600
Speaker 2: I hope it was fun.

1161
00:53:54,920 --> 00:53:58,200
Speaker 3: Ah, this was so amazing and exciting. I can't believe

1162
00:53:58,200 --> 00:54:00,680
Speaker 3: I'm like, you know, Tiffany, like I got a chance

1163
00:54:00,680 --> 00:54:02,000
Speaker 3: to like kind of step in for her because you know,

1164
00:54:02,040 --> 00:54:03,960
Speaker 3: I love her and you. So this was awesome.

1165
00:54:04,440 --> 00:54:06,399
Speaker 2: Thank you so much. All Right, well, best of luck

1166
00:54:06,400 --> 00:54:09,040
Speaker 2: with the as the journey continues. And thank you so

1167
00:54:09,160 --> 00:54:10,040
Speaker 2: much for joining us.

1168
00:54:10,719 --> 00:54:11,560
Speaker 3: Thank you for having me