WEBVTT - Bet On Yourself w/Jamila Souffrant

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<v Speaker 1>Hey, hey, hey, ba fam. Please follow us on Apple

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<v Speaker 1>and now onto our show.

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

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<v Speaker 2>mark to June. How have I survived this long without

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<v Speaker 2>my girls? Any I'll tell you what these guest co

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<v Speaker 2>hosts have been phenomenal. Everyone has been so gracious, so

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<v Speaker 2>game to chat with me and open up about their

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

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<v Speaker 2>is no different. Jamila Souffran is the founder of Journey

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

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<v Speaker 2>you can probably multitask. So go to Apple or to

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<v Speaker 2>Spotify or wherever you get your podcasts and go find

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<v Speaker 2>her podcast and subscribe and follow. Jamila founded journey to

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<v Speaker 2>launch in twenty sixteen, after she decided during her three

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<v Speaker 2>hour commute yes from Brooklyn to New Jersey to her

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<v Speaker 2>corporate six figure job, that she was done Capital d done.

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<v Speaker 2>She eventually quit her corporate job after having her third

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<v Speaker 2>beautiful child and went on her journey to retire early.

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<v Speaker 2>It was along the way that Jamila realized, you know,

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<v Speaker 2>retiring early didn't have to be something that was put

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<v Speaker 2>on the backburn for ten, twenty, even thirty years. She

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<v Speaker 2>decided to build the lifestyle today that would not only

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<v Speaker 2>help her get to a place of financial independence, but

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<v Speaker 2>actually help her find a career in a professional platform

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<v Speaker 2>that would fulfill her in ways that her nine to

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<v Speaker 2>five job just never could. I hope you guys enjoyed

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<v Speaker 2>my conversation with Jamila and getting to know her a

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<v Speaker 2>little bit better. I honestly think between the stories about

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<v Speaker 2>her husband and my husband, and her journey to motherhood

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<v Speaker 2>and the fact that she left Corporate America, I just

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<v Speaker 2>felt like Jamila and I were talking to each other

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<v Speaker 2>at the exact right time that I needed it. Please

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<v Speaker 2>enjoy my conversation with Jamila, and if you haven't yet,

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<v Speaker 2>go check her out on all social media. She's at

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<v Speaker 2>Journey to Launch, and while you're at it, I have

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<v Speaker 2>a little, tiny additional request for you, guys, whether you've

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<v Speaker 2>been enjoying Brand Ambition for the entire six years we

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<v Speaker 2>have been on the air, or even if you just

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<v Speaker 2>found her podcast six days ago, we would really appreciate

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<v Speaker 2>if you went to Apple podcast and left us a

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<v Speaker 2>five star review. Right now, Brown Ambition honestly is not

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<v Speaker 2>sitting where it deserves to be sitting. I'm just gonna

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<v Speaker 2>go ahead and say it on the podcast rankings, not

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<v Speaker 2>by a virtue of downloads. We get amazing downloads from

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

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<v Speaker 2>the lack of fresh review. So it only takes a

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<v Speaker 2>couple of seconds. Find Apple Podcasts wherever you listen to

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<v Speaker 2>I know, I know. Bea fan will not let us down. Okay,

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<v Speaker 2>that's it for me until we come back in a

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<v Speaker 2>brief moment with today's show featuring Jamila Souffrant of Journey

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<v Speaker 2>to Launch. Hey, Hey, hey, everybody, I am so excited

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<v Speaker 2>to introduce you to this week's guest co host. I

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<v Speaker 2>have to say this whole guest co host situation has

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<v Speaker 2>been a little well, well, first, I was a little

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<v Speaker 2>bit nervous to have someone in the chair besides Tiffany,

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<v Speaker 2>but it has been so amazing to talk to these

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<v Speaker 2>these wonderful personalities, these wonderful personal finance nerds, people who

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

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<v Speaker 2>have to really encourage folks to build wealth and take

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

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<v Speaker 2>Jamila Souffran, thank you so much for joining Brown Ambition.

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<v Speaker 3>Hi, Mandy, this is so exciting for me. So I

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<v Speaker 3>can't even tell you.

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

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<v Speaker 2>tell me everything about you. Okay, So first and foremost,

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<v Speaker 2>I know I'm gonna do your little intro separately, but

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<v Speaker 2>your podcast is called Journey to Launch. What came first?

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<v Speaker 2>Was it your was it your blog? Journey to launch?

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<v Speaker 2>Was it the podcast? You know, did you did you

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<v Speaker 2>discover financial independence, retire early movement and then launch the podcast?

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<v Speaker 2>Tell me everything I want to know about the Jamila origin.

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

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

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<v Speaker 3>first part of the process. I really discovered financial independence

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<v Speaker 3>and this idea about financial freedom and just optimizing your

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<v Speaker 3>finances because I was not happy at my job. I

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<v Speaker 3>had a nine to five, a crazy commute and was

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<v Speaker 3>commuting from Brooklyn to New Jersey every day and I

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<v Speaker 3>was doing that for years. So yeah, in my early twenties,

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<v Speaker 3>that's what I did. I graduated from school, got full

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<v Speaker 3>time job, and it was always a commute from Brooklyn

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<v Speaker 3>to New Jersey. But that was when I didn't have

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<v Speaker 3>any kids. That was when I was single, you know,

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<v Speaker 3>it was I had more capacity for that. But I

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<v Speaker 3>always had these dreams that I'd be free, Like I

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<v Speaker 3>was one of those kids that I grew up and

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<v Speaker 3>I just felt like I thought differently. I just didn't

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<v Speaker 3>like following the rules, and so I never imagined myself

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<v Speaker 3>working in a corporate environment forever, Like even if that

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<v Speaker 3>was going to be the case. I was going to

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<v Speaker 3>be done by thirty. That was my goal when I

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<v Speaker 3>started to work full time at twenty two. I'm going

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<v Speaker 3>to find a way to escape this cubicle life by

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<v Speaker 3>thirty years old. And then life happened. Started to make

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<v Speaker 3>a little bit more money in my career bills, and

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<v Speaker 3>I couldn't really figure out, how am I not going

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<v Speaker 3>to work and pay for the lifestyle I want and

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<v Speaker 3>live like everyone around me works until they retire. Everyone

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<v Speaker 3>around me is not happy. So who am I to

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<v Speaker 3>like want more? And it was really when I was

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<v Speaker 3>commuting again in my early thirties. So now I've been

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<v Speaker 3>working in corporate America for a while. I missed this

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

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<v Speaker 3>pregnant with my first son on this commute from failure.

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<v Speaker 2>You know I give it up.

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<v Speaker 3>Well, you know I'm listening. I'm ambitious, I have that

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<v Speaker 3>brown ambition.

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<v Speaker 2>Yeah.

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<v Speaker 3>So I was like, okay, thirty one, non pregnant, and

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<v Speaker 3>this commute usually it takes me an hour and a

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<v Speaker 3>half two hours one way driving. Okay, this commute one

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<v Speaker 3>way when I was pregnant with my first son. It

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<v Speaker 3>was like three four hours, no lie of just traffic everywhere,

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<v Speaker 3>and I remember like breaking down in the car, you know,

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<v Speaker 3>just crying, hormones raging, and I was like, I'm not

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<v Speaker 3>doing this. I can't do this. So do those feel

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<v Speaker 3>of wanting to be free really swallow up in me again?

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<v Speaker 3>And I feel like I awoke in from this sleepwalking

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<v Speaker 3>life that I was living, and I said to myself,

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<v Speaker 3>there's no way that I want to do this rest

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<v Speaker 3>of my life. I have to figure out something else.

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<v Speaker 3>And so I started to when I got home, when

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<v Speaker 3>I got to work, you know, over the next couple

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<v Speaker 3>of months, how do I quit my job? How do

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<v Speaker 3>I retire? Early all these catchphrases that you you know,

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<v Speaker 3>put into Google when you may not be happy with

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<v Speaker 3>what you're doing. And I came across podcasts and blogs

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<v Speaker 3>talking about financial independence and freedom and I said, wait

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<v Speaker 3>a second, if there are people out there doing this,

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<v Speaker 3>I can figure out a way. And so that's essentially

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<v Speaker 3>how I started to become aware of this as an option,

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<v Speaker 3>financial independence. And then I started to listed to the

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<v Speaker 3>blogs and podcasts on my community, which then shaped me

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<v Speaker 3>into starting my own blog, Journey to Launch, which eventually

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<v Speaker 3>became the podcast and brand and what I do full time.

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<v Speaker 2>Now, Okay, wow, that was a great summary, but it

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<v Speaker 2>made it sound like it was just like lick at

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<v Speaker 2>it split. I was pregnant and then I had a

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<v Speaker 2>blog and a podcast. But what year was it? I

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<v Speaker 2>like to I like the timeline of things. So when

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<v Speaker 2>was this? When was this breakdown in your car? By

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<v Speaker 2>the way, my pregnancy hormonal breakdowns usually happened during an

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<v Speaker 2>Ed Sheering song whenever Ed Shearing came with it something

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<v Speaker 2>about his ginger voice. It just really touched my soul.

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<v Speaker 2>But anyway, yeah, so when was that breakdown? And then

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<v Speaker 2>when did you actually launch the platform?

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<v Speaker 3>Great question, so let me try to remember all the

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<v Speaker 3>dates now. But I was so I gave birth to

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<v Speaker 3>my first in twenty fourteen, and so this would have

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<v Speaker 3>been about twenty thirteen at some point, and I would

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<v Speaker 3>say this, So I told the story, and it seems

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<v Speaker 3>like I just you know, jumped and skipped and everything

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<v Speaker 3>worked out and it was clear, But it wasn't. I

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<v Speaker 3>didn't start Journey to Launch as a blog until a

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<v Speaker 3>couple years later, so you know, I sat on it

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<v Speaker 3>for a while because I didn't know what I wanted

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<v Speaker 3>to do with it, and I didn't want to be

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<v Speaker 3>like the face. I didn't know that this would be

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<v Speaker 3>my thing, like my business, my brand. It was more, Hey,

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<v Speaker 3>I'm listening to these people do it. I'm going to

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<v Speaker 3>start doing it myself and then let me share how

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<v Speaker 3>I'm doing it. And so it wasn't I think the

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<v Speaker 3>blog officially started. I always get this mixed up, like

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<v Speaker 3>two thousand and sixteen, I want to say, so it

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<v Speaker 3>did take a couple of years to actually like put

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<v Speaker 3>pen to paper or is this, you know, make a

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

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<v Speaker 3>to quit my job and reach financial impendance. By forty

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<v Speaker 3>that was like my timeline and I had I was

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<v Speaker 3>with my second kid by then, so I have three

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<v Speaker 3>kids all together now. So there were a lot of

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<v Speaker 3>you know, things that happened along the way that even

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<v Speaker 3>encouraged me more to figure things out than the podcast

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<v Speaker 3>though became the Well, the blog became the podcast officially

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<v Speaker 3>in twenty seventeen, So it took a couple of years

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<v Speaker 3>for that to all happen.

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<v Speaker 2>Wow. Well, from one solo, I was what was I

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<v Speaker 2>trying to think of, Like the people in the slobble

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<v Speaker 2>chairs at work, you know, using the company Wi Fi

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<v Speaker 2>to launcher side hustle, Like I really, I see you,

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<v Speaker 2>I feel you. That was me when I launched Brown Ambition.

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<v Speaker 2>So that's amazing. And you also had three kids along

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

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<v Speaker 2>retire officially by forty.

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<v Speaker 3>Well okay, So here's the thing. This is the beauty

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<v Speaker 3>of what I call the unfolding of the journey is

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<v Speaker 3>because when I started Journey to Launch, I said I'm

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<v Speaker 3>going to reach financial independence my version of it, by

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<v Speaker 3>the way, which meant I didn't have to work in

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<v Speaker 3>corporate America. I can literally choose what I wanted to do.

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<v Speaker 3>We can live off our investments, I will say, because

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<v Speaker 3>I don't like when people leave things like this out.

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<v Speaker 3>I do have a husband. He did intend to still work.

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<v Speaker 3>He's a teacher, and so it was like a combination

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<v Speaker 3>of him still working but also us living off our

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<v Speaker 3>investments and or me earning money however I wanted to.

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<v Speaker 3>But the premise was that literally if we didn't want

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<v Speaker 3>to work, or if I didn't want to work and

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

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<v Speaker 3>like my idea of what financial freedom and independence meant

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<v Speaker 3>to me changed because I started to have this thing

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<v Speaker 3>on the side, Journey to Launch. I had a very

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<v Speaker 3>demanding corporate career, was having more kids, and I said

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<v Speaker 3>to myself, there's no way I'm not even going to

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<v Speaker 3>sacrifice the next four years juggling this all and being unhappy,

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<v Speaker 3>this two hour commute one way, these kids, this job,

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<v Speaker 3>this business on the side. Something has to go. And

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<v Speaker 3>you know, the kids weren't going to go, the husband

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<v Speaker 3>wasn't going to go, and I love Journey to Launch,

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<v Speaker 3>So it was the job. And so I actually made

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<v Speaker 3>the big decision for myself and the family that I

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<v Speaker 3>would leave my job right after giving birth to my

0:11:06.000 --> 0:11:10.240
<v Speaker 3>third child in twenty eighteen, which would change everything about

0:11:10.240 --> 0:11:12.360
<v Speaker 3>my journey because I could have stayed working in corporate

0:11:12.400 --> 0:11:15.600
<v Speaker 3>America kind of getting this so called guaranteed income, you know,

0:11:15.679 --> 0:11:17.920
<v Speaker 3>climbing the corporate ladder, and just it's all about the money.

0:11:17.960 --> 0:11:19.520
<v Speaker 3>I don't care how stressed I am, Like, I'm going

0:11:19.600 --> 0:11:21.160
<v Speaker 3>to make this money in this short amount of time,

0:11:21.640 --> 0:11:24.000
<v Speaker 3>save and invest as much as I can. Then we

0:11:24.080 --> 0:11:27.120
<v Speaker 3>reach our financial goals. And along the way, I said

0:11:27.120 --> 0:11:28.760
<v Speaker 3>to myself, you know what is not worth it. I'd

0:11:28.840 --> 0:11:31.720
<v Speaker 3>rather have a more sustained and balanced journey to freedom.

0:11:31.960 --> 0:11:34.000
<v Speaker 3>So if that means making less because this business is

0:11:34.040 --> 0:11:36.960
<v Speaker 3>not coming, you know, having a lot of money. You know,

0:11:37.000 --> 0:11:39.080
<v Speaker 3>my husband's a teacher, so his income was not going

0:11:39.120 --> 0:11:41.520
<v Speaker 3>to cover everything when I left my job, So that

0:11:41.600 --> 0:11:44.640
<v Speaker 3>meant dipping into our savings and not investing, it was

0:11:44.720 --> 0:11:47.160
<v Speaker 3>all worth it because for me, it was about freedom

0:11:47.240 --> 0:11:49.079
<v Speaker 3>in the now. I didn't want to wait. To me,

0:11:49.360 --> 0:11:51.439
<v Speaker 3>it was like, you know, some people say, oh, I'll

0:11:51.480 --> 0:11:53.080
<v Speaker 3>just work this job until I'm sixty five and then

0:11:53.080 --> 0:11:55.120
<v Speaker 3>I'll be happy. And I said to myself, while I

0:11:55.120 --> 0:11:57.920
<v Speaker 3>find myself on this path to financial independence. The one

0:11:57.920 --> 0:12:00.720
<v Speaker 3>thing I didn't say is when we started out and

0:12:00.760 --> 0:12:03.440
<v Speaker 3>we were both working in our jobs, we were able

0:12:03.480 --> 0:12:05.200
<v Speaker 3>to save a lot of money because I had a

0:12:05.400 --> 0:12:08.040
<v Speaker 3>high paying job. My husband was a teacher, and so

0:12:08.160 --> 0:12:10.599
<v Speaker 3>we in two years saved and invested one hundred and

0:12:10.679 --> 0:12:12.920
<v Speaker 3>sixty nine thousand dollars. Now, of course that is a

0:12:12.920 --> 0:12:15.960
<v Speaker 3>function of our income and just how kind of hard

0:12:15.960 --> 0:12:17.920
<v Speaker 3>we went in the paint to do that. But I

0:12:17.920 --> 0:12:20.160
<v Speaker 3>said to myself, it's okay if we don't ever do

0:12:20.200 --> 0:12:22.839
<v Speaker 3>that again, because right now, as a mom of going

0:12:22.840 --> 0:12:26.720
<v Speaker 3>on three kids. I'm wanting freedom, finding my passion finally

0:12:26.760 --> 0:12:29.480
<v Speaker 3>with journey to launch. This is what matters the most,

0:12:29.559 --> 0:12:31.640
<v Speaker 3>not the money. And so I always say that me

0:12:31.760 --> 0:12:35.319
<v Speaker 3>quitting my job and jumping into entrepreneurship full time either

0:12:35.400 --> 0:12:39.120
<v Speaker 3>has delayed the number side to financial independence. So maybe

0:12:39.120 --> 0:12:40.920
<v Speaker 3>it will take longer now that you know there's no

0:12:40.960 --> 0:12:44.360
<v Speaker 3>guaranteed income. Anything could happen, or it can accelerate it,

0:12:44.360 --> 0:12:46.800
<v Speaker 3>which I actually think it's accelerating it at this point

0:12:47.080 --> 0:12:49.560
<v Speaker 3>because I am working in my strengths and passion and

0:12:49.600 --> 0:12:53.000
<v Speaker 3>I do believe that with that flow comes money, comes

0:12:53.120 --> 0:12:55.360
<v Speaker 3>all the things that you do want. So yeah, my

0:12:55.600 --> 0:12:58.199
<v Speaker 3>version of financial independence and how I'm getting there has changed,

0:12:58.520 --> 0:12:59.720
<v Speaker 3>and I'm excited about.

0:12:59.480 --> 0:13:02.719
<v Speaker 2>It, manifest it. I love this. Well, Okay, there's so

0:13:02.800 --> 0:13:04.560
<v Speaker 2>much to unpack with what you just said, but the

0:13:04.600 --> 0:13:07.920
<v Speaker 2>most the key thing that my heart is just you know,

0:13:08.120 --> 0:13:11.080
<v Speaker 2>growing ten times its size as you're talking, is the

0:13:11.160 --> 0:13:15.040
<v Speaker 2>concept of waight like that that that analogy of someone

0:13:15.080 --> 0:13:18.040
<v Speaker 2>who wants to you know, just thinks of themselves. Okay,

0:13:18.040 --> 0:13:19.559
<v Speaker 2>I'm just going to keep working. I'm just I got

0:13:19.559 --> 0:13:22.360
<v Speaker 2>this job. There's a pension in twenty Maybe if you're

0:13:22.440 --> 0:13:24.520
<v Speaker 2>lucky there's a pension or you know, you'll get your

0:13:24.520 --> 0:13:26.440
<v Speaker 2>Social Security income. I'm just going to like keep working

0:13:26.559 --> 0:13:29.640
<v Speaker 2>until I'm sixty two or sixty five. But what like

0:13:29.800 --> 0:13:33.160
<v Speaker 2>that time isn't promised. And what I love about you know,

0:13:33.480 --> 0:13:35.480
<v Speaker 2>your message and what it seems like you've chosen for

0:13:35.559 --> 0:13:38.040
<v Speaker 2>yourself is no, let's let's build the life that we

0:13:38.880 --> 0:13:43.040
<v Speaker 2>enjoy that fulfills us. Now that also is a financially

0:13:43.120 --> 0:13:45.760
<v Speaker 2>fulfilling life as much as it is you know, mentally

0:13:46.120 --> 0:13:49.400
<v Speaker 2>fulfilling life, and then you know, whatever happens happens. But

0:13:49.480 --> 0:13:52.960
<v Speaker 2>like like it's like not waiting to be happy, it's

0:13:53.040 --> 0:13:57.160
<v Speaker 2>making it's taking risks and making decisions today to get

0:13:57.160 --> 0:13:59.200
<v Speaker 2>to where you want to go, but to actually enjoy

0:13:59.200 --> 0:14:02.760
<v Speaker 2>the life that you're living now. I just I love

0:14:02.800 --> 0:14:05.880
<v Speaker 2>that and I've that's exactly sort of how I've approached

0:14:05.920 --> 0:14:08.960
<v Speaker 2>my career as well. It's like time isn't promise. Something

0:14:09.000 --> 0:14:12.040
<v Speaker 2>about having a baby just makes you think of yes, death,

0:14:12.160 --> 0:14:15.240
<v Speaker 2>aholl the time and I don't know, like like what happens,

0:14:15.240 --> 0:14:17.520
<v Speaker 2>Like their life is so you know, their childhood is

0:14:17.559 --> 0:14:20.840
<v Speaker 2>so short, and you know it's it's like, why let's

0:14:20.840 --> 0:14:22.600
<v Speaker 2>not wait let's let's make it happen.

0:14:22.920 --> 0:14:25.080
<v Speaker 3>And you know, I find with being a parent too,

0:14:25.240 --> 0:14:26.760
<v Speaker 3>you just you want to be I want to be

0:14:26.800 --> 0:14:29.560
<v Speaker 3>a living example of what I want for them, and

0:14:29.880 --> 0:14:31.360
<v Speaker 3>you know, I want them to be happy, I want

0:14:31.360 --> 0:14:32.880
<v Speaker 3>them to be self sufficient. I want them to be

0:14:32.920 --> 0:14:35.320
<v Speaker 3>all these things in the world. And I can't really

0:14:35.320 --> 0:14:38.040
<v Speaker 3>tell them to go out and you know, follow their dreams,

0:14:38.520 --> 0:14:41.080
<v Speaker 3>be self sufficient if I can't do that, you know,

0:14:41.080 --> 0:14:43.240
<v Speaker 3>if I'm not a walking testament to that. So that's

0:14:43.280 --> 0:14:44.720
<v Speaker 3>kind of like one of my main reasons. I want

0:14:44.760 --> 0:14:45.760
<v Speaker 3>to show them what's possible.

0:14:46.800 --> 0:14:50.880
<v Speaker 2>So you also got invested in property, So I know

0:14:50.920 --> 0:14:52.560
<v Speaker 2>you mentioned you and your husband saved one hundred and

0:14:52.560 --> 0:14:56.840
<v Speaker 2>sixty nine thousand dollars or invested rather that's phenomenal. But

0:14:57.000 --> 0:14:59.200
<v Speaker 2>I read a little bit about you. I know you

0:14:59.240 --> 0:15:01.480
<v Speaker 2>and I have chatta before. I've google stocked you just

0:15:01.520 --> 0:15:04.200
<v Speaker 2>a little bit. And I know that you bought property

0:15:04.200 --> 0:15:06.920
<v Speaker 2>when you were super young. Can you talk about whether,

0:15:07.120 --> 0:15:09.000
<v Speaker 2>like what that decision was like for you and kind

0:15:09.040 --> 0:15:11.520
<v Speaker 2>of walk us through how you were able to buy

0:15:11.560 --> 0:15:14.440
<v Speaker 2>property young? And you know, I don't know how many

0:15:14.480 --> 0:15:16.360
<v Speaker 2>years it's been since then, but a chunk of time

0:15:16.400 --> 0:15:18.240
<v Speaker 2>has gone by, and certainly a few kids have gone

0:15:18.280 --> 0:15:21.720
<v Speaker 2>by since then, and how that investment is working out

0:15:21.760 --> 0:15:23.400
<v Speaker 2>for you today. Yeah.

0:15:23.480 --> 0:15:27.080
<v Speaker 3>So I put down on my first property at twenty two.

0:15:27.160 --> 0:15:30.040
<v Speaker 3>So it's a condo in Dumbo, Brooklyn. So anyone who's

0:15:30.080 --> 0:15:33.080
<v Speaker 3>not from New York City, that sounds for down under

0:15:33.120 --> 0:15:36.040
<v Speaker 3>the Manhattan Bridge Overpass. So it's the Academics for Dumbo.

0:15:36.640 --> 0:15:40.080
<v Speaker 3>And it came about because one, I was interested in

0:15:40.120 --> 0:15:42.840
<v Speaker 3>real estate from a fairly young age, like in my teens,

0:15:42.880 --> 0:15:45.320
<v Speaker 3>because of examples in my own neighborhood and in my

0:15:45.360 --> 0:15:47.600
<v Speaker 3>real life that owned real estate. Now I got to

0:15:47.600 --> 0:15:49.960
<v Speaker 3>just step back a little bit. So I am Jamaican.

0:15:50.040 --> 0:15:52.520
<v Speaker 3>I was born in Jamaica, the island, not Queens, nothing

0:15:52.520 --> 0:15:54.760
<v Speaker 3>wrong with the borough Queens. But I was born on

0:15:54.760 --> 0:15:56.840
<v Speaker 3>the island of Jamaica and came here when I was

0:15:56.880 --> 0:15:59.520
<v Speaker 3>two years old and born into a single mom who

0:15:59.520 --> 0:16:02.440
<v Speaker 3>had me at And that's important to say because she

0:16:02.520 --> 0:16:04.000
<v Speaker 3>had to come here first and to kind of like

0:16:04.080 --> 0:16:06.640
<v Speaker 3>establish herself and leave me behind at like eight months old,

0:16:06.640 --> 0:16:08.360
<v Speaker 3>which I can't even imagine how she did it, but

0:16:08.400 --> 0:16:09.800
<v Speaker 3>I kind of can. As a mom, you know, she

0:16:10.040 --> 0:16:13.200
<v Speaker 3>just had to forge and figure things out to have

0:16:13.240 --> 0:16:16.480
<v Speaker 3>a better start for me. And with saying all that

0:16:16.520 --> 0:16:19.720
<v Speaker 3>we came to this country with nothing, and the eventually

0:16:20.000 --> 0:16:22.480
<v Speaker 3>she she got her education, got her college education, and

0:16:22.480 --> 0:16:24.960
<v Speaker 3>then her education was really important for me, you know,

0:16:25.000 --> 0:16:26.920
<v Speaker 3>as most immigrants like that is like the way, the

0:16:27.000 --> 0:16:30.000
<v Speaker 3>path to something more. So I focused on education. And

0:16:30.160 --> 0:16:33.160
<v Speaker 3>while growing up, I saw my grandmother who really came

0:16:33.400 --> 0:16:36.640
<v Speaker 3>like as older Jamaican woman, typically you can't really do much,

0:16:36.680 --> 0:16:39.520
<v Speaker 3>you know, like other than wash, you know, clothes, her

0:16:39.920 --> 0:16:42.840
<v Speaker 3>take care of children, like that's what typically the older

0:16:42.880 --> 0:16:44.960
<v Speaker 3>generation did. And she came to this country with nothing

0:16:45.000 --> 0:16:47.520
<v Speaker 3>and ended up being able to buy a home in

0:16:47.560 --> 0:16:49.760
<v Speaker 3>the area that also was like up and coming in Brooklyn,

0:16:49.840 --> 0:16:51.680
<v Speaker 3>and so I kind of saw that happen. I saw

0:16:51.680 --> 0:16:53.200
<v Speaker 3>how hard she worked. I saw her hard and my

0:16:53.280 --> 0:16:55.680
<v Speaker 3>mom worked, and so I had this idea, wow, real estate,

0:16:55.720 --> 0:16:58.160
<v Speaker 3>Like if my grandmother could do this with the little

0:16:58.200 --> 0:17:00.400
<v Speaker 3>that she had, I maybe this is something I can do.

0:17:00.440 --> 0:17:02.280
<v Speaker 3>And so that was important for me to see because

0:17:02.440 --> 0:17:03.800
<v Speaker 3>people asked me, how did you know at such a

0:17:03.880 --> 0:17:05.679
<v Speaker 3>young age that you wanted to buy something? It was

0:17:05.720 --> 0:17:08.080
<v Speaker 3>because of these living examples in my life. And so

0:17:08.160 --> 0:17:10.639
<v Speaker 3>at twenty two, I had this really bright idea that

0:17:10.680 --> 0:17:12.800
<v Speaker 3>I wanted to own a Brownstone in Brooklyn, and I

0:17:12.840 --> 0:17:15.040
<v Speaker 3>was really going for things like in Bedstide Fort Green,

0:17:15.160 --> 0:17:17.120
<v Speaker 3>but at the time, being twenty two, like, I could

0:17:17.240 --> 0:17:19.600
<v Speaker 3>not afford any of that stuff, and I saw an

0:17:19.600 --> 0:17:23.160
<v Speaker 3>advertisement for this new development. It was pre construction, actually

0:17:23.600 --> 0:17:26.880
<v Speaker 3>condominium units in Dumbo, Brooklyn. So this was before Dumbo

0:17:26.920 --> 0:17:28.560
<v Speaker 3>is what it is now. Like now it's like one

0:17:28.560 --> 0:17:31.119
<v Speaker 3>of the most expensive places like in like Brooklyn and

0:17:31.160 --> 0:17:34.760
<v Speaker 3>New York City. And before back then, when I was looking,

0:17:34.800 --> 0:17:36.240
<v Speaker 3>it was just like a pile of dirt. There was

0:17:36.280 --> 0:17:40.080
<v Speaker 3>nothing there, no development, but it was like condos raging

0:17:40.160 --> 0:17:43.360
<v Speaker 3>studios from like the low three hundreds to like upwards

0:17:43.359 --> 0:17:46.760
<v Speaker 3>of you know whatever. But in comparison to the Brownstones

0:17:46.840 --> 0:17:48.520
<v Speaker 3>I was looking at, it seemed like a deal, even

0:17:48.520 --> 0:17:50.679
<v Speaker 3>though it was like such a small studio apartment. And

0:17:50.720 --> 0:17:52.920
<v Speaker 3>so I went there with my mom and I said,

0:17:52.960 --> 0:17:55.480
<v Speaker 3>you know what I want. I believed in the vision

0:17:55.560 --> 0:17:57.720
<v Speaker 3>that the developers had for the area and for the building,

0:17:58.040 --> 0:18:01.800
<v Speaker 3>and so I put down ten percent to hold that

0:18:02.320 --> 0:18:06.240
<v Speaker 3>unit while it was being built, and so the property

0:18:06.320 --> 0:18:07.639
<v Speaker 3>it took like two years.

0:18:07.840 --> 0:18:09.879
<v Speaker 2>Yeah, and how old were you twenty?

0:18:09.880 --> 0:18:11.879
<v Speaker 3>I was twenty two, when I put the money down,

0:18:12.200 --> 0:18:14.320
<v Speaker 3>and I always got to give props to my mom

0:18:14.600 --> 0:18:17.200
<v Speaker 3>because she gave me a little portion of the ten percent.

0:18:17.840 --> 0:18:19.880
<v Speaker 3>And I say that's important because this woman came here

0:18:19.880 --> 0:18:22.240
<v Speaker 3>with nothing before she even owned property. She gave me

0:18:22.320 --> 0:18:25.760
<v Speaker 3>money to help me buy my property. And so that

0:18:25.800 --> 0:18:28.920
<v Speaker 3>ten percent held the unit and then I had two

0:18:29.040 --> 0:18:31.840
<v Speaker 3>years until it was completed to come up with the

0:18:31.880 --> 0:18:34.120
<v Speaker 3>next ten percent the closing costs and.

0:18:34.119 --> 0:18:37.040
<v Speaker 2>To couple my son was given.

0:18:37.640 --> 0:18:39.880
<v Speaker 3>Yeah, so the unit was three hundred and eighty five

0:18:39.880 --> 0:18:43.680
<v Speaker 3>thousand dollars, so ten percent was thirty eight thousand dollars

0:18:43.840 --> 0:18:46.240
<v Speaker 3>and I had to we had to put down ten percent.

0:18:46.320 --> 0:18:48.720
<v Speaker 3>And at that point, like that was like literally everything

0:18:48.800 --> 0:18:50.600
<v Speaker 3>I ever had. And the reason why I had any

0:18:50.600 --> 0:18:52.919
<v Speaker 3>money was because I had an internship at with Inroads,

0:18:53.200 --> 0:18:56.199
<v Speaker 3>which I put minorities into Fortune five hundred companies, and

0:18:56.240 --> 0:18:58.600
<v Speaker 3>I was working. I was doing that in summer, making

0:18:58.800 --> 0:19:01.200
<v Speaker 3>decent money for like an eighteen nineteen twenty year old

0:19:01.440 --> 0:19:03.160
<v Speaker 3>for the last three years. And I was a saver

0:19:03.400 --> 0:19:06.240
<v Speaker 3>because my mom and grandma grandmother always taught me to save,

0:19:06.520 --> 0:19:08.320
<v Speaker 3>so I had some money to save up for that.

0:19:08.400 --> 0:19:10.960
<v Speaker 3>My mom also gave me money and so that helped

0:19:11.000 --> 0:19:12.720
<v Speaker 3>with the first ten percent, but it was not done

0:19:12.800 --> 0:19:14.399
<v Speaker 3>like that's not like, oh, we have the property, We're

0:19:14.440 --> 0:19:16.359
<v Speaker 3>good now. It was now you need to come up

0:19:16.359 --> 0:19:18.520
<v Speaker 3>with the next ten percent in two years to you know,

0:19:18.560 --> 0:19:21.960
<v Speaker 3>close on it and the closing costs and also technically

0:19:22.680 --> 0:19:25.240
<v Speaker 3>my income. So one of the saving graces was that

0:19:25.280 --> 0:19:27.440
<v Speaker 3>I knew when I was graduating from college I would

0:19:27.440 --> 0:19:29.080
<v Speaker 3>get a full time offer from the company that I

0:19:29.160 --> 0:19:31.320
<v Speaker 3>interned with, so I knew i'd had like a job.

0:19:31.720 --> 0:19:34.760
<v Speaker 3>But when I did the calculation, my income at that

0:19:34.840 --> 0:19:38.040
<v Speaker 3>point was going to barely cover like the mortgage when

0:19:38.040 --> 0:19:40.119
<v Speaker 3>we calculated it. But in my head, I'm like, well,

0:19:40.160 --> 0:19:42.040
<v Speaker 3>if I can save up enough, if I like save

0:19:42.119 --> 0:19:43.960
<v Speaker 3>up for the next two years while this thing is

0:19:44.000 --> 0:19:46.800
<v Speaker 3>being built all my money, if I lived at home,

0:19:46.800 --> 0:19:48.440
<v Speaker 3>which I was able to do with my mom, God,

0:19:48.520 --> 0:19:50.760
<v Speaker 3>like I said, God bless my mother, then I could

0:19:50.880 --> 0:19:53.000
<v Speaker 3>maybe have a fighting chance to like actually close on

0:19:53.040 --> 0:19:55.840
<v Speaker 3>this and not lose our ten percent and like live

0:19:55.880 --> 0:19:57.920
<v Speaker 3>there and then I should make more money and hopefully

0:19:57.920 --> 0:20:00.440
<v Speaker 3>this place appreciates and we'll be okay. Hey, And I

0:20:00.440 --> 0:20:02.920
<v Speaker 3>will tell you, Mandy, like all the stars aligned the

0:20:02.960 --> 0:20:05.439
<v Speaker 3>grace of God that yes, It worked out because in

0:20:05.440 --> 0:20:07.280
<v Speaker 3>the two years that it took to build, I was

0:20:07.320 --> 0:20:11.560
<v Speaker 3>able to save up the additional money to close on it,

0:20:12.119 --> 0:20:15.560
<v Speaker 3>the additional ten percent, and then extra to cover my

0:20:15.760 --> 0:20:18.760
<v Speaker 3>mortgage because my literally my my checks were like just

0:20:18.800 --> 0:20:20.479
<v Speaker 3>covering the mortgage. And I will tell you this just

0:20:20.480 --> 0:20:22.520
<v Speaker 3>like the last thing about this is, you know, with

0:20:22.560 --> 0:20:26.640
<v Speaker 3>the collapse of with the collapse of the markets back then,

0:20:26.720 --> 0:20:29.840
<v Speaker 3>So this was like around twenty fifteen, you know when

0:20:29.840 --> 0:20:32.560
<v Speaker 3>the markets Wait, what year was it that the market?

0:20:33.480 --> 0:20:36.720
<v Speaker 3>Two thousand and eight, Yes, crisis, Yeah, the housing crisis. Okay,

0:20:36.720 --> 0:20:38.600
<v Speaker 3>so yeah, I need to go back further, lists, go

0:20:38.640 --> 0:20:40.960
<v Speaker 3>back further. Two thousand and eight. They were doing no

0:20:41.080 --> 0:20:43.280
<v Speaker 3>loan doc closings at that time, which is why so

0:20:43.320 --> 0:20:45.880
<v Speaker 3>many people got in trouble, right, because they bought things

0:20:45.880 --> 0:20:47.879
<v Speaker 3>they couldn't afford. I was one of those people, Like

0:20:47.880 --> 0:20:50.720
<v Speaker 3>if they would have checked my salary stubs, they would

0:20:50.720 --> 0:20:51.080
<v Speaker 3>have like.

0:20:51.119 --> 0:20:53.040
<v Speaker 2>Just about to ask, how did you get this loan?

0:20:53.359 --> 0:20:57.119
<v Speaker 3>Exactly? So I'm telling you, like the stars aligned, the

0:20:57.200 --> 0:20:59.679
<v Speaker 3>grace of God, all these things worked out in my

0:20:59.680 --> 0:21:02.000
<v Speaker 3>favorite because literally I was not really supposed to be

0:21:02.080 --> 0:21:04.240
<v Speaker 3>able to close on that, but I took the risk

0:21:04.280 --> 0:21:07.000
<v Speaker 3>because I said to myself, listen, like the worst case scenario,

0:21:07.040 --> 0:21:08.720
<v Speaker 3>like look where you come from, Look where your moms

0:21:08.760 --> 0:21:11.199
<v Speaker 3>come from. Like the worst Yes, you lose like your

0:21:11.240 --> 0:21:13.239
<v Speaker 3>down payment, but maybe like at the end of the day,

0:21:13.280 --> 0:21:15.679
<v Speaker 3>you can sell it before you have to close on it,

0:21:15.720 --> 0:21:18.399
<v Speaker 3>but without any risk, there's no reward. And so I

0:21:18.440 --> 0:21:21.000
<v Speaker 3>really did go into this like almost like with everything

0:21:21.000 --> 0:21:23.399
<v Speaker 3>that I had, and it worked out. So by the

0:21:23.480 --> 0:21:25.840
<v Speaker 3>time I ended up closing one, I was able to

0:21:25.880 --> 0:21:29.720
<v Speaker 3>close because for no loan mortgage document process. And then

0:21:29.880 --> 0:21:32.520
<v Speaker 3>also it did appreciate, so I knew at the end

0:21:32.560 --> 0:21:34.280
<v Speaker 3>of the day once I moved in, like let's just

0:21:34.320 --> 0:21:36.280
<v Speaker 3>say I couldn't cover the mortgage after a while, like

0:21:36.280 --> 0:21:38.680
<v Speaker 3>I could sell it or rent it out, but the

0:21:38.720 --> 0:21:40.719
<v Speaker 3>real estate market had to bounce back a bit, and

0:21:40.800 --> 0:21:43.480
<v Speaker 3>so I was in a good place. And I still

0:21:43.520 --> 0:21:45.439
<v Speaker 3>own that property today. And I will say that that

0:21:45.560 --> 0:21:49.200
<v Speaker 3>is the riskiest but most rewarding thing I've ever done.

0:21:49.200 --> 0:21:53.040
<v Speaker 3>It's changed the trajectory I feel of my confidence and

0:21:53.160 --> 0:21:56.200
<v Speaker 3>my family's like wealth because I planned like to keep

0:21:56.200 --> 0:21:58.840
<v Speaker 3>it forever. It's more of an emotional purchase and I

0:21:58.880 --> 0:22:01.200
<v Speaker 3>have small kids and there's there's not too many people

0:22:01.200 --> 0:22:04.280
<v Speaker 3>who look like me that own in Dumbo, in that building,

0:22:04.440 --> 0:22:06.720
<v Speaker 3>And so I'm just excited for my kids to be

0:22:06.760 --> 0:22:08.399
<v Speaker 3>able to one day, you know, share it because they

0:22:08.480 --> 0:22:10.840
<v Speaker 3>probably fight over it, but share it in terms of

0:22:10.920 --> 0:22:13.200
<v Speaker 3>likeaby to live as their first starting place or maybe

0:22:13.240 --> 0:22:15.720
<v Speaker 3>when they have going they're going to college if they're local.

0:22:15.840 --> 0:22:17.159
<v Speaker 3>So I'm excited to have it.

0:22:17.800 --> 0:22:20.000
<v Speaker 2>They get to be those kids that other kids hate.

0:22:20.240 --> 0:22:23.200
<v Speaker 2>Oh no, their mommy not hate, but like, oh, their

0:22:23.200 --> 0:22:26.520
<v Speaker 2>mom has a studio in Dumbo, Like they don't have

0:22:26.560 --> 0:22:27.399
<v Speaker 2>to work that hard.

0:22:27.920 --> 0:22:30.960
<v Speaker 3>Well no, but I get it because somebody and I

0:22:31.000 --> 0:22:32.600
<v Speaker 3>get like I have had and I was like to

0:22:32.600 --> 0:22:34.720
<v Speaker 3>acknowledge like my privilege in a way, like there's a

0:22:34.760 --> 0:22:37.280
<v Speaker 3>lot of things like I didn't have growing up, but

0:22:37.440 --> 0:22:40.800
<v Speaker 3>I did have some privileges, and I think it's important

0:22:40.800 --> 0:22:43.080
<v Speaker 3>to acknowledge that and see that like for what they are.

0:22:43.359 --> 0:22:45.119
<v Speaker 3>But then I think about my mom who had nothing,

0:22:45.160 --> 0:22:46.960
<v Speaker 3>and so maybe someone can't relate they don't have a

0:22:46.960 --> 0:22:49.159
<v Speaker 3>supportive parent, they don't have a parent that can give them, like,

0:22:49.359 --> 0:22:50.880
<v Speaker 3>you know, a couple of thousand to help with their

0:22:51.240 --> 0:22:52.959
<v Speaker 3>down payment. But then I think about like where my

0:22:53.000 --> 0:22:55.679
<v Speaker 3>mom came from, as like literally a single mom with nothing,

0:22:55.720 --> 0:22:57.840
<v Speaker 3>and I'm like, wow, Like, but you can change your

0:22:57.840 --> 0:23:00.320
<v Speaker 3>family's trajectory. You can't do something else. And I just

0:23:00.359 --> 0:23:01.639
<v Speaker 3>feel like if my mom was able to do it,

0:23:01.640 --> 0:23:03.560
<v Speaker 3>not even me, Like, if my mom was able to

0:23:03.560 --> 0:23:05.600
<v Speaker 3>do what she did, I'm like, you are my inspiration.

0:23:05.680 --> 0:23:06.399
<v Speaker 3>I can do anything.

0:23:07.520 --> 0:23:10.280
<v Speaker 2>Wow. Well, I have a soft spot in my heart

0:23:10.400 --> 0:23:13.400
<v Speaker 2>for Jamaican mamas because I feel like I have three

0:23:13.560 --> 0:23:17.760
<v Speaker 2>Jamaican neighbors and they like before, I was a little

0:23:17.760 --> 0:23:19.720
<v Speaker 2>freaked out because when I was pregnant with my son

0:23:19.960 --> 0:23:22.960
<v Speaker 2>a couple of years ago, my especially one neighbor, Paula, Oh,

0:23:23.080 --> 0:23:25.360
<v Speaker 2>I love her so much. She basically started calling him

0:23:25.359 --> 0:23:27.879
<v Speaker 2>her son and called me her daughter. And I was like,

0:23:27.920 --> 0:23:30.400
<v Speaker 2>who is this nice lady? But like she is all

0:23:30.640 --> 0:23:33.639
<v Speaker 2>she is. But they they just care so much, like,

0:23:33.760 --> 0:23:36.720
<v Speaker 2>oh my god, they care and they love. So that

0:23:36.840 --> 0:23:40.200
<v Speaker 2>is my That is my shout out to all Jamaican

0:23:40.200 --> 0:23:40.920
<v Speaker 2>mamas out there.

0:23:40.840 --> 0:23:42.800
<v Speaker 3>Because Paula's such a Jamaican name too.

0:23:42.880 --> 0:23:46.560
<v Speaker 2>Pault Yes, Oh, she's got a whole I should have

0:23:46.560 --> 0:23:48.040
<v Speaker 2>paul Otte in the show one day. She's like one

0:23:48.080 --> 0:23:51.840
<v Speaker 2>of eleven. Anyway, I digress. Yeah, Jamaican mama's but no,

0:23:52.000 --> 0:23:55.920
<v Speaker 2>that that's really extraordinary and listen and it's it's one

0:23:55.920 --> 0:23:58.520
<v Speaker 2>of those things where, oh, to be twenty two and

0:23:58.560 --> 0:24:03.679
<v Speaker 2>to have the to have the audacity and the bravery

0:24:03.720 --> 0:24:06.400
<v Speaker 2>the courage to make a huge decision like that, and

0:24:06.760 --> 0:24:09.639
<v Speaker 2>that's just amazing. It's amazing, and you could never like

0:24:09.720 --> 0:24:13.480
<v Speaker 2>recreate that time in your life before kids, before a husband,

0:24:13.600 --> 0:24:15.919
<v Speaker 2>like when you are just doing things for yourself and

0:24:16.000 --> 0:24:18.880
<v Speaker 2>you you just believed in yourself so much like you

0:24:19.359 --> 0:24:20.760
<v Speaker 2>at the end of the day, that was really you.

0:24:20.840 --> 0:24:23.560
<v Speaker 2>It feels like taking a bet on your own cap,

0:24:23.680 --> 0:24:26.960
<v Speaker 2>like your own human capital. Yeah, I'm going to even

0:24:27.000 --> 0:24:28.840
<v Speaker 2>And you were like the mortgage lender in a sense

0:24:28.880 --> 0:24:31.879
<v Speaker 2>because even though they weren't checking your income like you

0:24:31.960 --> 0:24:33.880
<v Speaker 2>were doing it and you knew what you were getting into.

0:24:34.160 --> 0:24:35.920
<v Speaker 2>And you said, I know this is a sticky situation,

0:24:36.080 --> 0:24:39.479
<v Speaker 2>but I know me, I know my prospects, and I

0:24:39.560 --> 0:24:42.240
<v Speaker 2>know that I can do this. And you really did.

0:24:42.280 --> 0:24:45.000
<v Speaker 2>You took a chance on yourself in a really beautiful way.

0:24:45.800 --> 0:24:47.719
<v Speaker 3>Yeah, I mean I think this is a thing like

0:24:48.880 --> 0:24:50.800
<v Speaker 3>this is why personal finance, like on paper, if you

0:24:50.800 --> 0:24:52.840
<v Speaker 3>would have listed everything, all these things out and like

0:24:52.880 --> 0:24:54.919
<v Speaker 3>this is not a good idea and I think personal

0:24:54.920 --> 0:24:56.680
<v Speaker 3>finance and these decisions that we have to make. It's

0:24:56.720 --> 0:24:59.840
<v Speaker 3>really about having this almost belief in yourself that you

0:25:00.160 --> 0:25:01.760
<v Speaker 3>when things go wrong, Because I did think of the

0:25:01.760 --> 0:25:04.040
<v Speaker 3>worst case scenario, and I said to myself, will I

0:25:04.119 --> 0:25:06.000
<v Speaker 3>be able to recover? And I was like, I will,

0:25:06.040 --> 0:25:07.520
<v Speaker 3>Like I won't die. I do this soll even now

0:25:07.560 --> 0:25:10.240
<v Speaker 3>when I'm coming up with big decisions, I'm like, what's

0:25:10.280 --> 0:25:12.760
<v Speaker 3>the worst that can happen? And will you be alive still,

0:25:12.840 --> 0:25:15.080
<v Speaker 3>you know, other than something out of side of your control,

0:25:15.119 --> 0:25:17.439
<v Speaker 3>And most likely it's yes. And so I'm able to

0:25:17.480 --> 0:25:19.199
<v Speaker 3>take risk and I still take risk like this, like

0:25:19.240 --> 0:25:21.520
<v Speaker 3>leaving my job, like all these things, because I'm like,

0:25:21.560 --> 0:25:23.439
<v Speaker 3>I'm gonna bet on myself and I'm telling you, like

0:25:23.760 --> 0:25:25.720
<v Speaker 3>I would not be and have what I have today

0:25:25.720 --> 0:25:28.640
<v Speaker 3>without obviously standing on the shoulders of my mom obviously,

0:25:28.760 --> 0:25:30.800
<v Speaker 3>and then also just like this belief in myself and

0:25:30.840 --> 0:25:31.479
<v Speaker 3>going after it.

0:25:32.920 --> 0:25:37.439
<v Speaker 2>So you mentioned your your husband, you're your husban. Everyone's

0:25:37.440 --> 0:25:40.040
<v Speaker 2>got a Husbane. I call my husband husby. Listen. I

0:25:40.400 --> 0:25:42.679
<v Speaker 2>feel like we have a lot in common just in

0:25:42.720 --> 0:25:44.600
<v Speaker 2>the way that our relationships maybe have played out. But

0:25:44.640 --> 0:25:46.760
<v Speaker 2>you tell me if I'm wrong. But my husband works

0:25:46.760 --> 0:25:49.520
<v Speaker 2>for the government and he's always been our you know,

0:25:49.600 --> 0:25:51.639
<v Speaker 2>he likes to call himself a stable one. You know,

0:25:52.080 --> 0:25:53.639
<v Speaker 2>I'm going to keep my job, I'm going to get

0:25:53.680 --> 0:25:56.840
<v Speaker 2>my pension. You know, it's very secure his his job,

0:25:56.880 --> 0:25:58.720
<v Speaker 2>and he'll get his little raise every once in a while.

0:25:58.760 --> 0:26:01.560
<v Speaker 2>But it's not the you know, the way I approached

0:26:01.560 --> 0:26:04.199
<v Speaker 2>my career was sort of like I didn't think of

0:26:04.240 --> 0:26:07.200
<v Speaker 2>it as like a corporate ladder. I pretended like every

0:26:07.280 --> 0:26:09.840
<v Speaker 2>three rungs were just empty and I had to skip

0:26:09.880 --> 0:26:11.560
<v Speaker 2>a few rungs to get to the next one, and

0:26:11.600 --> 0:26:14.240
<v Speaker 2>I would just hop all over the place. And he,

0:26:14.520 --> 0:26:17.440
<v Speaker 2>you know, he has been you know, we have very

0:26:17.440 --> 0:26:21.119
<v Speaker 2>different approaches to I would say career into finance. But

0:26:21.160 --> 0:26:24.040
<v Speaker 2>it's been a pretty good balance. Although there have been

0:26:24.080 --> 0:26:27.320
<v Speaker 2>those times when I had the next big idea, or

0:26:27.359 --> 0:26:30.120
<v Speaker 2>I have I'm going into a salary negotiation and I'm

0:26:30.160 --> 0:26:33.080
<v Speaker 2>asking for way more money than he ever thought was possible,

0:26:33.160 --> 0:26:37.440
<v Speaker 2>and we have these different Yeah, there's just fundamental ways

0:26:37.440 --> 0:26:39.520
<v Speaker 2>that we approach our finances were a little bit different,

0:26:39.880 --> 0:26:42.640
<v Speaker 2>but it is a good balance. I wanted to ask about,

0:26:42.880 --> 0:26:46.000
<v Speaker 2>you know, you and your husband's dynamic because you have

0:26:46.119 --> 0:26:48.520
<v Speaker 2>this ambition to retire early and to you know, you

0:26:48.600 --> 0:26:50.719
<v Speaker 2>left your job and all of that. What was what

0:26:50.720 --> 0:26:53.719
<v Speaker 2>were those conversations like for the two of you And

0:26:53.840 --> 0:26:56.200
<v Speaker 2>was he always on board with it from the jump

0:26:56.400 --> 0:26:57.879
<v Speaker 2>or was that something that you guys kind of had

0:26:57.920 --> 0:27:01.480
<v Speaker 2>to grow into together, Especially for or couples who are listening,

0:27:01.600 --> 0:27:04.080
<v Speaker 2>or people who have partners who are listening and aren't

0:27:04.080 --> 0:27:08.760
<v Speaker 2>really sure how to like match their two long term

0:27:08.760 --> 0:27:09.439
<v Speaker 2>plans together.

0:27:10.040 --> 0:27:13.800
<v Speaker 3>This is so important because he was He looked at

0:27:13.800 --> 0:27:15.720
<v Speaker 3>me like I was crazy, because he is a very

0:27:15.720 --> 0:27:20.119
<v Speaker 3>simple man and he's very easy going. Right. So, and

0:27:20.720 --> 0:27:24.040
<v Speaker 3>you know, again, when i came to him a few

0:27:24.080 --> 0:27:26.119
<v Speaker 3>years ago and I'm telling him about all these stories

0:27:26.119 --> 0:27:28.960
<v Speaker 3>on podcasts I'm hearing people retiring and quitting their jobs,

0:27:29.000 --> 0:27:31.399
<v Speaker 3>He's just like, really, because I don't what are we

0:27:31.400 --> 0:27:34.040
<v Speaker 3>gonna do? Like what are you talking about? And it

0:27:34.080 --> 0:27:37.240
<v Speaker 3>really took some conversations to get him to kind of see.

0:27:37.280 --> 0:27:38.760
<v Speaker 3>And one of the things I always say with couples

0:27:38.840 --> 0:27:41.960
<v Speaker 3>is like, don't like I had to show him one

0:27:42.040 --> 0:27:44.919
<v Speaker 3>the numbers, the numbers for him, even for me, like

0:27:44.960 --> 0:27:46.600
<v Speaker 3>I had to believe the numbers, meaning I had to

0:27:46.640 --> 0:27:50.320
<v Speaker 3>map out Really is this possible. Will I be able

0:27:50.560 --> 0:27:52.840
<v Speaker 3>to one day quit my job early? How much money

0:27:52.920 --> 0:27:54.960
<v Speaker 3>can we save and invest if we aggressively do this,

0:27:55.000 --> 0:27:57.159
<v Speaker 3>if we cut back, if we become more optimized in

0:27:57.160 --> 0:28:00.000
<v Speaker 3>our finances, how much money can we have? So literally,

0:28:00.200 --> 0:28:01.960
<v Speaker 3>when I came home and told him the first time,

0:28:02.000 --> 0:28:03.679
<v Speaker 3>he looked at me like, what are you talking about?

0:28:04.000 --> 0:28:05.680
<v Speaker 3>And then over time what I did was I didn't

0:28:05.680 --> 0:28:07.840
<v Speaker 3>push him to this is really important. Just because you

0:28:07.920 --> 0:28:10.520
<v Speaker 3>come up with the realization or have an epiphany doesn't

0:28:10.520 --> 0:28:12.320
<v Speaker 3>mean like your partner world they have they have They're

0:28:12.359 --> 0:28:16.119
<v Speaker 3>on a whole another timeline. So I respected that, but

0:28:16.240 --> 0:28:18.480
<v Speaker 3>also started to show him, like the numbers, Like I

0:28:18.520 --> 0:28:21.639
<v Speaker 3>created this spreadsheet, and it showed like, if we do this, like,

0:28:22.160 --> 0:28:24.400
<v Speaker 3>first of all, step back from the spreadsheet, what does

0:28:24.520 --> 0:28:26.679
<v Speaker 3>a life look like now that we enjoy and what

0:28:26.720 --> 0:28:29.359
<v Speaker 3>does the life look like now in like twenty years,

0:28:29.440 --> 0:28:31.280
<v Speaker 3>right when the kids are this age, and like they're

0:28:31.280 --> 0:28:33.640
<v Speaker 3>at the house and we can travel, and how can

0:28:33.640 --> 0:28:36.240
<v Speaker 3>we balance that now? So we started with the dream

0:28:36.520 --> 0:28:38.320
<v Speaker 3>of our lives, what they are now and what we

0:28:38.360 --> 0:28:41.000
<v Speaker 3>want them to be, and then we like did numbers

0:28:41.000 --> 0:28:42.680
<v Speaker 3>around it, and I showed him, well, if we do

0:28:42.800 --> 0:28:46.520
<v Speaker 3>this make these changes in our finances, save and invest

0:28:46.640 --> 0:28:49.240
<v Speaker 3>this much over time, we can have you know, over

0:28:49.280 --> 0:28:52.959
<v Speaker 3>a million dollars in twenty years, and we can do

0:28:53.000 --> 0:28:54.840
<v Speaker 3>all these things. And that started to get him excited

0:28:55.000 --> 0:28:57.000
<v Speaker 3>because instead of me just saying it and talking, he

0:28:57.080 --> 0:29:00.400
<v Speaker 3>saw the numbers. And then the other thing I really

0:29:00.480 --> 0:29:03.600
<v Speaker 3>was important to say was yeah, I want to do this,

0:29:03.640 --> 0:29:05.560
<v Speaker 3>so I quit my job. But also, like you know,

0:29:05.680 --> 0:29:09.400
<v Speaker 3>I'm the mom. I'm I'm the one giving birth and

0:29:09.440 --> 0:29:11.320
<v Speaker 3>having three kids. I also have the crazy commute. See

0:29:11.320 --> 0:29:13.600
<v Speaker 3>my husband his job is maybe like ten minutes away

0:29:13.600 --> 0:29:16.560
<v Speaker 3>from our house. So he also knew the pressure of

0:29:16.720 --> 0:29:19.640
<v Speaker 3>just like my life, and he wanted me to be happy.

0:29:20.000 --> 0:29:21.920
<v Speaker 3>And so I made sure that like, oh, not only

0:29:21.960 --> 0:29:23.600
<v Speaker 3>like we were going to pursue what I wanted, like

0:29:23.640 --> 0:29:25.880
<v Speaker 3>in terms of a career or quitting my job, but

0:29:25.920 --> 0:29:28.080
<v Speaker 3>what is it that you want? So I definitely we

0:29:28.080 --> 0:29:30.840
<v Speaker 3>made sure that include his wants and hopes like into

0:29:30.880 --> 0:29:32.920
<v Speaker 3>what we were doing. You know, I don't really care

0:29:33.000 --> 0:29:35.840
<v Speaker 3>about having a nice car. We used to have nice

0:29:35.840 --> 0:29:38.200
<v Speaker 3>cars quote unquote back in the day before kids and

0:29:38.600 --> 0:29:40.840
<v Speaker 3>getting a little bit more optimized with our finances. But

0:29:40.840 --> 0:29:42.680
<v Speaker 3>I say, look, if I can I want to buy

0:29:42.720 --> 0:29:44.520
<v Speaker 3>you a car, you know, Like it was things like

0:29:44.520 --> 0:29:47.200
<v Speaker 3>that that got him excited. So that way we both were.

0:29:48.000 --> 0:29:50.880
<v Speaker 2>That was my way into baby. I said, save for

0:29:50.960 --> 0:29:54.440
<v Speaker 2>a Tesla. Let's was for a tesla. Yeah, let's investing

0:29:54.480 --> 0:29:54.960
<v Speaker 2>for a Tesla.

0:29:55.120 --> 0:29:56.800
<v Speaker 3>It's so important because he is a little bit more

0:29:57.120 --> 0:29:59.560
<v Speaker 3>like fancier, I would say, than me right, like I'm

0:29:59.600 --> 0:30:02.280
<v Speaker 3>good with kind of just like bare minimum, but sometimes fancy.

0:30:02.320 --> 0:30:04.040
<v Speaker 3>He's like, if I could do it fancy all the time,

0:30:04.080 --> 0:30:07.680
<v Speaker 3>I would, So talking about it in that term really

0:30:07.720 --> 0:30:10.240
<v Speaker 3>helped to let him know that this is a team effort.

0:30:10.240 --> 0:30:12.600
<v Speaker 3>It's not just about what Jamila wants. And also like

0:30:12.640 --> 0:30:16.360
<v Speaker 3>if I'm miserable because I'm working and driving all this time,

0:30:16.480 --> 0:30:19.640
<v Speaker 3>like those whole family is not gonna be like happy.

0:30:19.680 --> 0:30:21.520
<v Speaker 3>So let's work to a place that we can get to.

0:30:21.600 --> 0:30:23.800
<v Speaker 3>And so he eventually got on board with that. But

0:30:23.840 --> 0:30:26.160
<v Speaker 3>he's very easy going and laid back. Thank God for

0:30:26.200 --> 0:30:29.120
<v Speaker 3>that in terms of he pretty much trust me. We

0:30:29.160 --> 0:30:31.400
<v Speaker 3>have the open conversations about it, and even when it

0:30:31.440 --> 0:30:33.320
<v Speaker 3>came to quitting my job, because that was huge, like

0:30:33.360 --> 0:30:36.400
<v Speaker 3>my income was more than half of the family's combined income,

0:30:36.960 --> 0:30:38.680
<v Speaker 3>and so like it would almost been better if I

0:30:38.720 --> 0:30:40.840
<v Speaker 3>was a teacher and then he had his career, because then,

0:30:40.880 --> 0:30:42.760
<v Speaker 3>like you know, he can kind of stay on his trajectory.

0:30:43.120 --> 0:30:44.600
<v Speaker 3>But for me to walk away, it was like a

0:30:44.640 --> 0:30:47.160
<v Speaker 3>big step because what does that look like as a family.

0:30:47.200 --> 0:30:49.520
<v Speaker 3>We have three kids, we have a mortgage, like so

0:30:49.560 --> 0:30:52.000
<v Speaker 3>we literally had to save up enough money to cover

0:30:52.080 --> 0:30:55.440
<v Speaker 3>our expenses while journey to launch like started to you know,

0:30:55.480 --> 0:30:58.560
<v Speaker 3>become more stable, and that was scary, but we did

0:30:58.600 --> 0:31:02.600
<v Speaker 3>it together. We had the conversation and it's it's working

0:31:02.680 --> 0:31:03.280
<v Speaker 3>out so far.

0:31:03.440 --> 0:31:08.320
<v Speaker 2>So that's no, that's wonderful. I also have always been

0:31:09.280 --> 0:31:11.720
<v Speaker 2>it's so funny how the you know, in no shade

0:31:11.720 --> 0:31:14.040
<v Speaker 2>to your husband. I always talk to my husband. I'm like, dude,

0:31:14.080 --> 0:31:16.280
<v Speaker 2>you work for the government and you have the boogiest

0:31:16.320 --> 0:31:18.400
<v Speaker 2>taste of like where do you come off with this?

0:31:18.600 --> 0:31:21.640
<v Speaker 2>Like what He's like, I must he has like this

0:31:21.800 --> 0:31:24.880
<v Speaker 2>very specific T shirt brand. He gets custom shirts. I'm like,

0:31:25.120 --> 0:31:26.960
<v Speaker 2>I'm the one shopping in the clearance track at H

0:31:27.040 --> 0:31:29.520
<v Speaker 2>and M. But the same as you, I I we

0:31:29.800 --> 0:31:32.320
<v Speaker 2>I was I was earning probably like two three x

0:31:32.360 --> 0:31:34.880
<v Speaker 2>what he was earning at the at my peak earning

0:31:34.920 --> 0:31:38.040
<v Speaker 2>career in you know, corporate America, so to speak. But

0:31:38.560 --> 0:31:41.680
<v Speaker 2>that's so that's so funny, and it's also you know,

0:31:41.760 --> 0:31:44.600
<v Speaker 2>shouts out to shout out to partners. You know, I

0:31:44.640 --> 0:31:46.960
<v Speaker 2>don't put genders on and but partners who are willing

0:31:47.000 --> 0:31:49.600
<v Speaker 2>to maybe maybe they have their doubts, but they just

0:31:49.680 --> 0:31:52.520
<v Speaker 2>you know, have those in the shower alone. They they

0:31:52.560 --> 0:31:55.040
<v Speaker 2>support and they you know, have faith in their partners

0:31:55.080 --> 0:31:57.800
<v Speaker 2>to to really bet on themselves and to take their

0:31:57.840 --> 0:32:00.800
<v Speaker 2>career to a different place. That's really wonderful that he's

0:32:00.840 --> 0:32:04.960
<v Speaker 2>been supportive to you, and I I appreciate you talking

0:32:05.000 --> 0:32:08.160
<v Speaker 2>about the whole the values you know, and how you

0:32:08.680 --> 0:32:12.040
<v Speaker 2>as a partner. I've struggled with this too, probably a

0:32:12.080 --> 0:32:13.560
<v Speaker 2>little bit more than it sounds like you did. But

0:32:13.640 --> 0:32:15.800
<v Speaker 2>I was like, it was very hard for me to

0:32:16.120 --> 0:32:21.040
<v Speaker 2>start to share in the values based investing. Like so

0:32:21.560 --> 0:32:25.200
<v Speaker 2>for example, you know, I had no problem spending money

0:32:25.200 --> 0:32:28.600
<v Speaker 2>on values or experiences that I particularly wanted to have,

0:32:28.680 --> 0:32:31.000
<v Speaker 2>but when it came to a you know, if it

0:32:31.040 --> 0:32:34.120
<v Speaker 2>was a car or you know, uh, I don't know,

0:32:34.440 --> 0:32:37.160
<v Speaker 2>concert or something that you know, Enrique really wanted it was,

0:32:37.440 --> 0:32:40.360
<v Speaker 2>it was like, hmmm, it's not really worth it. And

0:32:40.400 --> 0:32:43.240
<v Speaker 2>I had to had to learn to share in that

0:32:43.320 --> 0:32:45.120
<v Speaker 2>I was. That was probably my one of the more

0:32:45.160 --> 0:32:48.160
<v Speaker 2>difficult challenges for me financially and like mentally as a

0:32:48.200 --> 0:32:51.920
<v Speaker 2>spouse was bringing them in and being open to you know,

0:32:52.040 --> 0:32:55.280
<v Speaker 2>they're what they value and not not discounting it and

0:32:55.320 --> 0:32:57.400
<v Speaker 2>making that a part of the overall plan.

0:32:57.720 --> 0:33:00.360
<v Speaker 3>Yeah, I mean, you know, it's important. Just like for me,

0:33:00.520 --> 0:33:02.760
<v Speaker 3>I think as growing up without really you know, I

0:33:03.840 --> 0:33:05.280
<v Speaker 3>didn't have a father in my life, or I had

0:33:05.320 --> 0:33:07.440
<v Speaker 3>father figures, I didn't really have a close relationship with them,

0:33:07.480 --> 0:33:09.880
<v Speaker 3>and so I was like for me, the value based

0:33:09.920 --> 0:33:12.479
<v Speaker 3>things like the simple even though I say he's fancy,

0:33:12.760 --> 0:33:15.520
<v Speaker 3>like the other things that he's about, which is like family,

0:33:15.720 --> 0:33:18.480
<v Speaker 3>and he's very grounded and supportive. Like it's like one

0:33:18.520 --> 0:33:20.440
<v Speaker 3>of the first signs like I saw in him, like

0:33:20.480 --> 0:33:23.640
<v Speaker 3>when we first started dating years ago, that I said, like,

0:33:23.680 --> 0:33:25.400
<v Speaker 3>out of all the things I want in someone, it

0:33:25.440 --> 0:33:27.840
<v Speaker 3>would be the opposite of what I knew my dad

0:33:27.880 --> 0:33:30.360
<v Speaker 3>to be. And so I think, whatever that is. I

0:33:30.400 --> 0:33:31.760
<v Speaker 3>know some people meet people like that and they are

0:33:31.800 --> 0:33:33.680
<v Speaker 3>not they don't turn out to be this way eventually.

0:33:33.720 --> 0:33:35.800
<v Speaker 3>But he that's what he is and who he is.

0:33:36.080 --> 0:33:37.920
<v Speaker 3>And so even as an entrepreneur and now like I know,

0:33:38.440 --> 0:33:41.440
<v Speaker 3>like having three kids, like he is an equal partner

0:33:41.480 --> 0:33:44.120
<v Speaker 3>in the house and in parenting. I still feel like

0:33:44.160 --> 0:33:46.000
<v Speaker 3>I do a little bit more, but I feel like

0:33:46.040 --> 0:33:49.120
<v Speaker 3>he is as much equal as outside of my controlling

0:33:49.160 --> 0:33:51.120
<v Speaker 3>self he can be in terms of how I like

0:33:51.200 --> 0:33:53.280
<v Speaker 3>things done. And it's been when people say how do

0:33:53.360 --> 0:33:55.360
<v Speaker 3>you do this? Like how did you manage all that

0:33:55.400 --> 0:33:57.960
<v Speaker 3>stuff when you were working and commuting and the kids,

0:33:58.000 --> 0:33:59.680
<v Speaker 3>and how do you even do it now? As like

0:33:59.680 --> 0:34:01.440
<v Speaker 3>a business owner and with the kids, It's like, well,

0:34:01.640 --> 0:34:04.959
<v Speaker 3>because I leave, he's an equal partner in this, and

0:34:05.040 --> 0:34:07.200
<v Speaker 3>that has a lot to do with I think how

0:34:07.200 --> 0:34:09.839
<v Speaker 3>it allows me to make money and be happy, and

0:34:09.840 --> 0:34:11.919
<v Speaker 3>how our household lives and how we choose to spend money.

0:34:12.040 --> 0:34:14.200
<v Speaker 3>So I'm proud of the fact that I chose I

0:34:14.280 --> 0:34:15.280
<v Speaker 3>chose him as my husband.

0:34:16.160 --> 0:34:21.839
<v Speaker 2>Oh what's his name, Woody? Oh that is adorable. Yeah,

0:34:21.960 --> 0:34:25.839
<v Speaker 2>that's really adorable. So let's talk about them babies as brat,

0:34:25.920 --> 0:34:27.799
<v Speaker 2>Carrey says, let's talk about the kids. So what are

0:34:27.800 --> 0:34:29.160
<v Speaker 2>their ages? Have to ask?

0:34:29.840 --> 0:34:31.759
<v Speaker 3>Yeah, oh, my gosh, So all the birthdays are coming

0:34:31.840 --> 0:34:35.200
<v Speaker 3>up or have passed. So one just turned three, one

0:34:35.320 --> 0:34:38.640
<v Speaker 3>just turned five, and one is turning seven tomorrow.

0:34:38.480 --> 0:34:40.480
<v Speaker 2>Oh wow, three to seven. So they all still are

0:34:40.520 --> 0:34:42.400
<v Speaker 2>just like attached to Mama and they don't.

0:34:42.320 --> 0:34:45.560
<v Speaker 3>Yeah, they're like, look, they don't care about anything but themselves.

0:34:45.640 --> 0:34:47.920
<v Speaker 3>It's like you should see this house, like every morning.

0:34:47.960 --> 0:34:49.560
<v Speaker 3>It's like it's crazy.

0:34:50.400 --> 0:34:54.719
<v Speaker 2>I have seen the destruction that one tiny human can create. Jamila.

0:34:54.960 --> 0:34:57.360
<v Speaker 2>I do not. Like there are days when I just

0:34:57.400 --> 0:34:58.960
<v Speaker 2>want to. I close the door of the Zenden, which

0:34:59.000 --> 0:35:01.120
<v Speaker 2>is my basement, and I just come down here and

0:35:01.160 --> 0:35:03.200
<v Speaker 2>I just like take some deep breaths because it just

0:35:03.800 --> 0:35:08.000
<v Speaker 2>pots and pans, Jamila, like all the utensils, dog toys,

0:35:08.040 --> 0:35:11.360
<v Speaker 2>It's insane. It's never actually toys. It's like everything in

0:35:11.400 --> 0:35:12.080
<v Speaker 2>the cabinets.

0:35:12.120 --> 0:35:14.080
<v Speaker 3>And they feed off of each other. Sometimes if one

0:35:14.080 --> 0:35:16.120
<v Speaker 3>works up before the rest, it's like, okay, we can,

0:35:16.239 --> 0:35:18.040
<v Speaker 3>I can do this. And then like when they all

0:35:18.120 --> 0:35:20.520
<v Speaker 3>like get up and they're just feeding off each other,

0:35:20.560 --> 0:35:24.080
<v Speaker 3>I'm like, all right, okay, got it. I got it.

0:35:24.080 --> 0:35:26.080
<v Speaker 3>And I'm definitely I was my mom. She jokes with me,

0:35:26.120 --> 0:35:28.520
<v Speaker 3>because I was never like that nurturing like I had.

0:35:28.560 --> 0:35:31.520
<v Speaker 3>I have many siblings, but my mom has I have

0:35:31.560 --> 0:35:33.520
<v Speaker 3>a little sister, and I was about fourteen when she

0:35:33.600 --> 0:35:35.719
<v Speaker 3>was born. And I never changed the diaper. Like that's

0:35:35.719 --> 0:35:37.839
<v Speaker 3>the kind of like big sister I was. So she's

0:35:37.960 --> 0:35:41.080
<v Speaker 3>like now as a parent, I'm like, I need my space.

0:35:41.120 --> 0:35:43.160
<v Speaker 3>But it's hard at this age because they really all

0:35:43.480 --> 0:35:45.759
<v Speaker 3>just fight to give me hugs, which I love. But

0:35:45.840 --> 0:35:46.720
<v Speaker 3>it's it's a lot.

0:35:47.160 --> 0:35:49.319
<v Speaker 2>It's a lot. But I wanted to talk about that

0:35:49.480 --> 0:35:52.200
<v Speaker 2>because we just were is the pandemic over yet? I

0:35:52.239 --> 0:35:54.560
<v Speaker 2>can't tell, but it feels like so at least a

0:35:54.600 --> 0:35:57.799
<v Speaker 2>solid year of pandemic life has gone by, and that

0:35:57.920 --> 0:36:01.239
<v Speaker 2>wasn't that far into you launching your business. So talk

0:36:01.280 --> 0:36:03.600
<v Speaker 2>to me, like, what what happened in y'all's world? And

0:36:03.600 --> 0:36:06.240
<v Speaker 2>I'm assuming you guys, you're not in the studio apartment

0:36:06.320 --> 0:36:10.480
<v Speaker 2>please say no, oh no, thank god, but paint a

0:36:10.480 --> 0:36:12.480
<v Speaker 2>picture for me. So do you work from home? You

0:36:12.560 --> 0:36:15.760
<v Speaker 2>got the three kids at home with you, your your husband,

0:36:15.840 --> 0:36:19.600
<v Speaker 2>I imagine during virtual school at home? What has that been? Like?

0:36:19.640 --> 0:36:23.080
<v Speaker 2>How have y'all? And congratulations for surviving it, but kind

0:36:23.080 --> 0:36:25.080
<v Speaker 2>of talk to me about how did that change the

0:36:25.160 --> 0:36:27.480
<v Speaker 2>dynamic of the household and your business while that was

0:36:27.520 --> 0:36:28.080
<v Speaker 2>all going on?

0:36:28.480 --> 0:36:31.520
<v Speaker 3>Oh, it was really rough for me. So I like

0:36:31.520 --> 0:36:33.120
<v Speaker 3>I quit my job right after giving birth to my

0:36:33.200 --> 0:36:35.440
<v Speaker 3>third in twenty eighteen, so I would say two as

0:36:35.440 --> 0:36:38.200
<v Speaker 3>in nineteen was my first full year in entrepreneurship, so

0:36:38.239 --> 0:36:40.319
<v Speaker 3>I count the s the first year twos nineteen kind of,

0:36:40.440 --> 0:36:43.040
<v Speaker 3>so I was in twenty now, hello pandemic. And so

0:36:43.360 --> 0:36:45.680
<v Speaker 3>it was hard because I was just feeling like I

0:36:45.680 --> 0:36:47.480
<v Speaker 3>was getting into the groove of being at home by

0:36:47.480 --> 0:36:51.440
<v Speaker 3>myself in the day and working, and then so this happened,

0:36:51.520 --> 0:36:54.640
<v Speaker 3>and I'm just like, okay and virtual learning, and they're

0:36:54.680 --> 0:36:56.520
<v Speaker 3>all at the age where they need assistance. They're not

0:36:56.560 --> 0:36:58.600
<v Speaker 3>independent like you can like go go, you know, just

0:36:58.600 --> 0:37:00.760
<v Speaker 3>go over there and chill kind and do your work,

0:37:01.640 --> 0:37:05.040
<v Speaker 3>and so it was really hard emotionally mentally. You know.

0:37:05.080 --> 0:37:07.560
<v Speaker 3>The good thing about is we did have live in help.

0:37:07.640 --> 0:37:10.080
<v Speaker 3>So my aunt, bless her heart, she was staying with

0:37:10.160 --> 0:37:11.640
<v Speaker 3>us and helping out with the kids. So she would

0:37:11.640 --> 0:37:15.240
<v Speaker 3>help mostly with the baby, my daughter. But the boys

0:37:15.280 --> 0:37:17.520
<v Speaker 3>wanted nothing, like they if they know we're upstairs, They're like,

0:37:17.840 --> 0:37:19.799
<v Speaker 3>I'm going to hang out with mom. And so it

0:37:19.840 --> 0:37:22.200
<v Speaker 3>was really hard because at first everything I felt like

0:37:22.200 --> 0:37:23.960
<v Speaker 3>more of it was on me because you know, so

0:37:24.000 --> 0:37:25.560
<v Speaker 3>I had to almost like look to my husband like

0:37:25.600 --> 0:37:27.879
<v Speaker 3>we're going to take turns with this virtual stuff, right,

0:37:27.960 --> 0:37:32.520
<v Speaker 3>and so we took more of a shared process while

0:37:32.560 --> 0:37:35.879
<v Speaker 3>he's still virtual learning him like teaching himself. So because

0:37:35.920 --> 0:37:37.759
<v Speaker 3>I also had work, it wasn't like I didn't have work.

0:37:37.800 --> 0:37:39.680
<v Speaker 3>We both had work, so to kind of like have

0:37:39.840 --> 0:37:42.440
<v Speaker 3>that kind of shared responsibility helped. And then you know,

0:37:42.480 --> 0:37:44.080
<v Speaker 3>the other thing that really helped me was getting back

0:37:44.120 --> 0:37:47.200
<v Speaker 3>into fitness because I needed to get out. So when

0:37:47.239 --> 0:37:48.840
<v Speaker 3>I did feel safe to go take a walk and

0:37:48.880 --> 0:37:51.480
<v Speaker 3>to run, I started to do that and that helped

0:37:51.600 --> 0:37:55.640
<v Speaker 3>tremendously because I just needed something for me outside of work,

0:37:55.880 --> 0:37:58.200
<v Speaker 3>outside of the kids, outside of the husband, and that

0:37:58.360 --> 0:38:02.399
<v Speaker 3>definitely was helpful. And what it is my recovery from

0:38:02.440 --> 0:38:02.960
<v Speaker 3>this whole thing.

0:38:04.600 --> 0:38:09.120
<v Speaker 2>I want to get there. I had gotten a peloton

0:38:09.480 --> 0:38:13.600
<v Speaker 2>last fall, and it's been wonderful. Look at me. I

0:38:13.680 --> 0:38:15.279
<v Speaker 2>just did the thing where they say if they if

0:38:15.520 --> 0:38:18.200
<v Speaker 2>someone has a peloton, they'll tell you. Anyway, my point is,

0:38:18.320 --> 0:38:22.000
<v Speaker 2>forget the peloton. I really got into a good exercise

0:38:22.080 --> 0:38:24.200
<v Speaker 2>groove last fall and I was starting to feel so

0:38:24.280 --> 0:38:27.800
<v Speaker 2>much better just mentally and physically. But then I left.

0:38:27.880 --> 0:38:31.480
<v Speaker 2>So I left. I started my new solo predewer path.

0:38:31.800 --> 0:38:34.279
<v Speaker 2>I guess now, I don't know, a couple of months ago,

0:38:35.040 --> 0:38:38.480
<v Speaker 2>my fitness routine has gone out the window. It's I

0:38:38.560 --> 0:38:43.160
<v Speaker 2>how any advice because it's almost like not having that

0:38:43.160 --> 0:38:45.439
<v Speaker 2>that I'm going to be working from nine to five

0:38:45.880 --> 0:38:48.120
<v Speaker 2>and having more of this I build my schedule every

0:38:48.200 --> 0:38:50.560
<v Speaker 2>day thing has given me this sense of oh, I

0:38:50.560 --> 0:38:52.440
<v Speaker 2>can work out whenever I want. But the problem is

0:38:52.440 --> 0:38:55.200
<v Speaker 2>that I just don't do it. Wait, any advice, I

0:38:55.239 --> 0:38:55.640
<v Speaker 2>feel you.

0:38:55.760 --> 0:38:57.680
<v Speaker 3>So the thing about this is probably so I used

0:38:57.680 --> 0:38:59.640
<v Speaker 3>to be more fit before the kids. I was like

0:38:59.680 --> 0:39:02.160
<v Speaker 3>into CrossFit, doing all this crazy stuff I felt like.

0:39:03.200 --> 0:39:04.640
<v Speaker 3>And then the kids, you know, and then I had

0:39:04.719 --> 0:39:07.360
<v Speaker 3>like developed something called Diaz DISCRECTI you know, the separation

0:39:07.440 --> 0:39:10.200
<v Speaker 3>of the abs that a lot of oh moms have.

0:39:11.000 --> 0:39:13.239
<v Speaker 2>Yeah. So for me, it's the stuff of nightmares that

0:39:13.239 --> 0:39:15.000
<v Speaker 2>I would read about before I had my baby.

0:39:15.080 --> 0:39:17.239
<v Speaker 3>Yeah, so it was hard. It was hard, and so

0:39:17.320 --> 0:39:18.560
<v Speaker 3>I was like at this I was I gave up.

0:39:18.600 --> 0:39:20.160
<v Speaker 3>I'm like, well, I feel like my body will never

0:39:20.239 --> 0:39:21.719
<v Speaker 3>be back. I didn't, and I didn't expect it to

0:39:21.719 --> 0:39:23.400
<v Speaker 3>go back to what it was. But something that I

0:39:23.440 --> 0:39:26.040
<v Speaker 3>felt like because I identified so much with being fit,

0:39:26.160 --> 0:39:29.319
<v Speaker 3>So I would say all this because running that's one

0:39:29.360 --> 0:39:31.279
<v Speaker 3>thing I do now, and I say I hate it,

0:39:31.400 --> 0:39:33.240
<v Speaker 3>but I still do it because I like the results

0:39:33.280 --> 0:39:35.920
<v Speaker 3>and I like the feeling afterwards. But I have to

0:39:36.000 --> 0:39:38.600
<v Speaker 3>schedule it in and I have to remember how I

0:39:38.640 --> 0:39:41.960
<v Speaker 3>feel after, because if I only think about the feeling

0:39:42.160 --> 0:39:44.400
<v Speaker 3>like right before, I don't want to do it. And

0:39:44.480 --> 0:39:46.399
<v Speaker 3>so I give myself grace. So for the times where

0:39:46.400 --> 0:39:48.200
<v Speaker 3>I'm overwhelmed, I need a nap, I take a nap.

0:39:48.480 --> 0:39:50.120
<v Speaker 3>But for the times where I know you will feel

0:39:50.120 --> 0:39:51.360
<v Speaker 3>so much better if you just go out there and

0:39:51.400 --> 0:39:53.600
<v Speaker 3>even just walk, maybe you don't run today, or if

0:39:53.640 --> 0:39:56.520
<v Speaker 3>you do go for that run, do it because you

0:39:56.520 --> 0:39:58.560
<v Speaker 3>you'll feel better because of it. And so for me,

0:39:58.640 --> 0:40:02.719
<v Speaker 3>it's literally just remembering the joy of the afterward and

0:40:02.760 --> 0:40:05.400
<v Speaker 3>the results that I'm seeing in terms of feeling better,

0:40:05.680 --> 0:40:08.719
<v Speaker 3>having more energy, feeling more like my old self. And

0:40:08.800 --> 0:40:11.160
<v Speaker 3>I literally do look at it as like me time,

0:40:11.239 --> 0:40:13.480
<v Speaker 3>like it's what I'm doing for myself. So that's kind

0:40:13.480 --> 0:40:15.520
<v Speaker 3>of what keeps me motivated. And to my husband is

0:40:15.560 --> 0:40:17.520
<v Speaker 3>kind of fit and I'm like, I'm sorry, there's no

0:40:17.520 --> 0:40:20.040
<v Speaker 3>way you're going to keep like running, working out and

0:40:20.080 --> 0:40:22.080
<v Speaker 3>looking like it's bad enough. You never had to like

0:40:22.080 --> 0:40:24.120
<v Speaker 3>get birth and you don't have to change in the body.

0:40:24.280 --> 0:40:26.040
<v Speaker 3>I'm like, you're not going to leave me behind, Like

0:40:26.200 --> 0:40:29.480
<v Speaker 3>I'm sorry. I'm gonna also do my best for me

0:40:29.760 --> 0:40:31.759
<v Speaker 3>because I want to feel good about myself. So that's

0:40:31.800 --> 0:40:32.680
<v Speaker 3>kind of what motivates me.

0:40:33.440 --> 0:40:35.520
<v Speaker 2>Oh that's nice. My husband's the one who can just

0:40:35.640 --> 0:40:38.759
<v Speaker 2>never gain weight but eat all the donuts, and he

0:40:39.000 --> 0:40:41.120
<v Speaker 2>is like, just come have a donut. What's the big deal.

0:40:41.239 --> 0:40:45.439
<v Speaker 2>I'm like, biologically, my I, it's we're not the same.

0:40:45.480 --> 0:40:49.880
<v Speaker 2>Get out of my face with that. That's awesome. Oh well,

0:40:49.920 --> 0:40:52.200
<v Speaker 2>I feel like this conversation has gone way too fast,

0:40:52.200 --> 0:40:54.759
<v Speaker 2>But I guess we should take a break really quick,

0:40:54.800 --> 0:40:57.719
<v Speaker 2>and we'll come back and answer some some listener questions

0:40:57.760 --> 0:41:00.319
<v Speaker 2>and then we'll have our special don't forget the brown

0:41:00.320 --> 0:41:02.680
<v Speaker 2>Boost Brown Break at the end. Be thinking about what

0:41:02.719 --> 0:41:05.319
<v Speaker 2>your brown boost and brown break could be. And I

0:41:05.400 --> 0:41:42.840
<v Speaker 2>will be right back with today's co host Jamilasu front. Okay,

0:41:43.040 --> 0:41:46.080
<v Speaker 2>we are back for questions again. You guys can reach

0:41:46.120 --> 0:41:48.480
<v Speaker 2>out to us, hit us up on Brown Ambition Podcast

0:41:48.560 --> 0:41:52.319
<v Speaker 2>on Instagram or headever to our website Brownambition podcast dot

0:41:52.360 --> 0:41:55.080
<v Speaker 2>com and click ask us anything to submit your question.

0:41:55.600 --> 0:41:59.200
<v Speaker 2>All right, Jamila, are you ready to shake up? Okay? Sweet?

0:41:59.239 --> 0:42:00.840
<v Speaker 2>All right, we have a couple I love great questions

0:42:00.880 --> 0:42:04.439
<v Speaker 2>from our listeners. First question comes from someone anonymous who's

0:42:04.480 --> 0:42:07.040
<v Speaker 2>expecting a little bit of an inheritance and wants to

0:42:07.080 --> 0:42:10.840
<v Speaker 2>know what to do with it. Alrighty, So they say,

0:42:11.040 --> 0:42:14.040
<v Speaker 2>I have about forty two thousand dollars in credit card

0:42:14.120 --> 0:42:17.719
<v Speaker 2>debt and only five thousand dollars in my emergency fund.

0:42:18.120 --> 0:42:20.400
<v Speaker 2>Due to a loss in my family, I'm expecting an

0:42:20.440 --> 0:42:23.680
<v Speaker 2>inheritance of about fifteen thousand dollars. Should I use that

0:42:23.760 --> 0:42:25.600
<v Speaker 2>money to put a dent in my debt, or to

0:42:25.640 --> 0:42:28.839
<v Speaker 2>beef up my emergency savings, or even try to grow

0:42:28.880 --> 0:42:32.279
<v Speaker 2>it through investing. I'm leaning towards putting it toward my debt,

0:42:32.360 --> 0:42:36.800
<v Speaker 2>but I was curious what you would suggest. Thank you, So, Jamila,

0:42:36.840 --> 0:42:38.480
<v Speaker 2>Before we take this one, I have to remind y'all,

0:42:38.480 --> 0:42:42.360
<v Speaker 2>we are your financial girlfriends, not your financial planners. So

0:42:42.880 --> 0:42:44.839
<v Speaker 2>we're going to give you some advice. We'll give you

0:42:44.880 --> 0:42:48.799
<v Speaker 2>some opinions, but ultimately you have to do it's best

0:42:48.800 --> 0:42:52.120
<v Speaker 2>for yourself and definitely seek out a professional financial advisor

0:42:52.560 --> 0:42:56.319
<v Speaker 2>or planner or other expertise if you really want to

0:42:56.320 --> 0:42:59.880
<v Speaker 2>get the best advice for your situation. Okay, disclaimers a

0:43:00.960 --> 0:43:03.920
<v Speaker 2>forty two K in credit card debt. My stomach is

0:43:03.960 --> 0:43:07.239
<v Speaker 2>turning in nods. Yeah so, but this has been a

0:43:07.280 --> 0:43:11.640
<v Speaker 2>wild year and fifteen K from an inheritance is not

0:43:11.719 --> 0:43:14.520
<v Speaker 2>a small amount of money. What are you feeling about this, Tamila?

0:43:14.880 --> 0:43:16.840
<v Speaker 3>Yeah, so all right with these questions. You know, I

0:43:16.880 --> 0:43:18.200
<v Speaker 3>wish I could just like talk to the person to

0:43:18.200 --> 0:43:19.960
<v Speaker 3>get more background. By no, we don't have time for that.

0:43:20.160 --> 0:43:23.000
<v Speaker 3>So it looks like the five K things that if

0:43:23.040 --> 0:43:24.960
<v Speaker 3>you're listening to this or anyone in this situation, I

0:43:24.960 --> 0:43:27.120
<v Speaker 3>would ask, Okay, how long does that five K take

0:43:27.160 --> 0:43:30.080
<v Speaker 3>you if there is an emergency or loss of income

0:43:30.440 --> 0:43:33.239
<v Speaker 3>on your beer bones like kind of budget. And so

0:43:33.280 --> 0:43:34.920
<v Speaker 3>if you tell me that can take you three to

0:43:35.000 --> 0:43:37.759
<v Speaker 3>six months, I don't know, depending on what that looks

0:43:37.800 --> 0:43:40.480
<v Speaker 3>like for you, then I'd say maybe put another one

0:43:40.520 --> 0:43:43.000
<v Speaker 3>two thousand another month or two on top of it,

0:43:43.040 --> 0:43:44.880
<v Speaker 3>depending on how much your cash flow is like to

0:43:44.960 --> 0:43:48.279
<v Speaker 3>live your life bear bones. And then I would look

0:43:48.320 --> 0:43:51.400
<v Speaker 3>at your debt and then make sure you are looking

0:43:51.440 --> 0:43:54.080
<v Speaker 3>at your highest interest rate debt, so you could either

0:43:54.080 --> 0:43:56.719
<v Speaker 3>look at a highest interest rate or lowest balance. But

0:43:56.760 --> 0:43:59.160
<v Speaker 3>if you want to do the be like math wise,

0:43:59.520 --> 0:44:02.839
<v Speaker 3>you pay off the highest interest rate first. It's not

0:44:02.880 --> 0:44:05.399
<v Speaker 3>all on one card, but it's almost like I would

0:44:05.400 --> 0:44:07.640
<v Speaker 3>put a couple thousand in emergency fund depending on if

0:44:07.640 --> 0:44:09.840
<v Speaker 3>it doesn't take you out for three to six months,

0:44:10.400 --> 0:44:13.200
<v Speaker 3>and then put the rest on your credit card. What

0:44:13.239 --> 0:44:14.920
<v Speaker 3>do you think, Mandy O.

0:44:15.480 --> 0:44:17.919
<v Speaker 2>This one's hard. Forty two thousand dollars in credit card

0:44:17.920 --> 0:44:20.600
<v Speaker 2>debt is a lot. I mean, if you're thinking about

0:44:20.600 --> 0:44:24.239
<v Speaker 2>the average APR, I mean even if you have like

0:44:24.280 --> 0:44:27.200
<v Speaker 2>perfect credit, what would it be like seventeen eighteen nineteen

0:44:27.239 --> 0:44:31.400
<v Speaker 2>percent is double digit? Yeah, credit interest rate and that

0:44:31.400 --> 0:44:34.080
<v Speaker 2>that forty two k it can just balloon so quickly.

0:44:34.320 --> 0:44:37.040
<v Speaker 2>And fifteen thousand dollars dett I don't really know the

0:44:37.120 --> 0:44:40.440
<v Speaker 2>particulars of what happens with inheritance, how it gets taxed

0:44:40.560 --> 0:44:43.640
<v Speaker 2>or not taxed. Is it fifteen k entirely or is

0:44:43.680 --> 0:44:45.600
<v Speaker 2>it like you know, when you get a bonus and

0:44:45.640 --> 0:44:49.960
<v Speaker 2>then it becomes ten k instead of fifteen. But my

0:44:51.160 --> 0:44:54.080
<v Speaker 2>gut is saying, put a dent in that debt. But

0:44:54.400 --> 0:44:57.200
<v Speaker 2>what concerns me most of all is the fact that

0:44:57.680 --> 0:45:00.360
<v Speaker 2>you know you've gotten that big of a credit hard

0:45:00.719 --> 0:45:04.120
<v Speaker 2>hole to begin with, and what might be like, that's

0:45:04.160 --> 0:45:07.640
<v Speaker 2>a pretty strong symptom that there's something off kilter and

0:45:07.760 --> 0:45:10.920
<v Speaker 2>your either your cash flow or your expenses, you know,

0:45:11.560 --> 0:45:14.760
<v Speaker 2>it's just not lining up. So and without having more information,

0:45:14.840 --> 0:45:18.120
<v Speaker 2>I would say, definitely look at you know, where did

0:45:18.120 --> 0:45:20.319
<v Speaker 2>this forty two K and credit card debt come from?

0:45:20.400 --> 0:45:23.759
<v Speaker 2>What caused me to accrue this debt? And this is

0:45:23.800 --> 0:45:28.440
<v Speaker 2>no judgment, like shit happens. I believe me. I'm no

0:45:28.520 --> 0:45:31.680
<v Speaker 2>stranger to debt myself. But you know, figure out what

0:45:32.000 --> 0:45:34.160
<v Speaker 2>was it and if it was, you know, I never

0:45:34.200 --> 0:45:37.680
<v Speaker 2>really had enough money in my emergency fund and maybe

0:45:37.719 --> 0:45:40.680
<v Speaker 2>it was medical bills or it was an unexpected expense

0:45:40.719 --> 0:45:43.560
<v Speaker 2>that you know, drove you to wrack up that credit

0:45:43.600 --> 0:45:48.280
<v Speaker 2>card debt that honestly, by not not putting cash away

0:45:48.320 --> 0:45:51.680
<v Speaker 2>for your emergency fund, you could just be like what

0:45:51.719 --> 0:45:53.040
<v Speaker 2>I'm trying to get at is if you put that

0:45:53.200 --> 0:45:56.120
<v Speaker 2>entire money toward your credit card debt and you still

0:45:56.160 --> 0:46:00.400
<v Speaker 2>have a very small emergency fund, will you be quickly

0:46:00.480 --> 0:46:03.640
<v Speaker 2>racketing back up that debt because you don't have that

0:46:03.840 --> 0:46:08.399
<v Speaker 2>buffer of cash, you know, So I'm leaning toward more.

0:46:08.760 --> 0:46:11.480
<v Speaker 2>I don't like put put maybe half of that fifteen

0:46:11.560 --> 0:46:14.239
<v Speaker 2>k in your emergency fund and use the other half

0:46:14.280 --> 0:46:17.760
<v Speaker 2>to start chipping away that credit card debt. But then say, okay,

0:46:17.960 --> 0:46:20.080
<v Speaker 2>I'm putting this money in my emergency fund. It is

0:46:20.120 --> 0:46:22.759
<v Speaker 2>on lockdown. That is for you know, that is for

0:46:22.840 --> 0:46:25.839
<v Speaker 2>my own financial security, to be sure that you know,

0:46:26.280 --> 0:46:28.719
<v Speaker 2>my family and myself are taken care of, and then

0:46:28.760 --> 0:46:33.000
<v Speaker 2>get really aggressive about attacking that that remaining credit card

0:46:33.080 --> 0:46:36.600
<v Speaker 2>debt balance looking into options like I love talking about

0:46:36.640 --> 0:46:39.759
<v Speaker 2>debt consolidation loans, for example, you know, you can take

0:46:39.800 --> 0:46:42.480
<v Speaker 2>out a personal loan through a credit union or through

0:46:42.480 --> 0:46:45.640
<v Speaker 2>an online bank or something like that at a reduced

0:46:45.640 --> 0:46:47.839
<v Speaker 2>interest rate. Then you're how much the credit card debt

0:46:47.880 --> 0:46:51.760
<v Speaker 2>is costing. You get that all consolidated under one loan,

0:46:52.280 --> 0:46:56.120
<v Speaker 2>and then you have a fixed payment monthly that you

0:46:56.239 --> 0:46:58.600
<v Speaker 2>know how much a cost. And you also can live,

0:46:59.239 --> 0:47:02.320
<v Speaker 2>you know, without them the crazy high interest rates accruing

0:47:02.360 --> 0:47:04.879
<v Speaker 2>over your head that would accrue with a credit card.

0:47:05.200 --> 0:47:07.520
<v Speaker 2>TEF and I talk about balance transfer cards. I don't

0:47:07.520 --> 0:47:09.880
<v Speaker 2>know if you've ever used a balance transfer offer from

0:47:09.920 --> 0:47:12.120
<v Speaker 2>a credit card, youmala or not. We didn't even talk

0:47:12.160 --> 0:47:14.319
<v Speaker 2>about credit card debt, but I.

0:47:14.320 --> 0:47:16.319
<v Speaker 3>Have, I have and it's smart. And I love that

0:47:16.320 --> 0:47:19.000
<v Speaker 3>you're going back to like the behavior and habits that

0:47:19.080 --> 0:47:20.960
<v Speaker 3>got her into the debt, because that you're right, that

0:47:21.000 --> 0:47:22.960
<v Speaker 3>does matter in terms of what you do with this

0:47:23.200 --> 0:47:24.160
<v Speaker 3>money that you're getting now.

0:47:24.880 --> 0:47:27.400
<v Speaker 2>Yeah. Absolutely, And I would say, like if it was

0:47:27.480 --> 0:47:28.880
<v Speaker 2>if it was fifteen K and that was going to

0:47:28.960 --> 0:47:30.520
<v Speaker 2>knock out your credit card debt and you could start

0:47:30.560 --> 0:47:33.400
<v Speaker 2>from scratch, I might say, Okay, go on and do it.

0:47:33.440 --> 0:47:35.680
<v Speaker 2>But it's just such a big total. And after the

0:47:35.719 --> 0:47:37.759
<v Speaker 2>year we've had, I just feel like people need to

0:47:37.760 --> 0:47:40.360
<v Speaker 2>put their own safety, you know, life, vest on first

0:47:40.800 --> 0:47:43.720
<v Speaker 2>and have a little bit more cushion in their emergency fund.

0:47:43.760 --> 0:47:46.800
<v Speaker 2>But then listen, there's no getting out of that forty

0:47:46.800 --> 0:47:49.080
<v Speaker 2>two thousand dollars in debt. That's not going to involve

0:47:49.520 --> 0:47:53.280
<v Speaker 2>really looking at either how much you're spending or really

0:47:53.320 --> 0:47:56.920
<v Speaker 2>pursuing increased earning. So I think twenty twenty one, this

0:47:57.000 --> 0:47:59.040
<v Speaker 2>new post pandemic year, has got to be the year

0:47:59.080 --> 0:48:01.480
<v Speaker 2>where you really sit down and, you know, think about

0:48:01.520 --> 0:48:04.040
<v Speaker 2>how can I bring an additional income to chip away

0:48:04.040 --> 0:48:07.640
<v Speaker 2>at this debt. And I don't know anything about your life,

0:48:07.680 --> 0:48:10.480
<v Speaker 2>and I'm really I'm sure there may be circumstances that

0:48:10.600 --> 0:48:13.880
<v Speaker 2>prevent you from taking on a side hustle or or whatever.

0:48:13.920 --> 0:48:17.040
<v Speaker 2>This is a no judgment zone, but if you're capable

0:48:17.120 --> 0:48:20.160
<v Speaker 2>of it, I would I would really try to start

0:48:20.239 --> 0:48:22.160
<v Speaker 2>looking at ways to increase your income so that you

0:48:22.160 --> 0:48:24.840
<v Speaker 2>can get that debt off your back and truly be

0:48:24.880 --> 0:48:27.640
<v Speaker 2>on your way toward investing, which it sounds like you

0:48:27.640 --> 0:48:31.640
<v Speaker 2>know you're thinking about investing as well. That is, that

0:48:31.760 --> 0:48:35.680
<v Speaker 2>is an amazing goal to have, but it's it's difficult

0:48:35.680 --> 0:48:37.640
<v Speaker 2>to get there when you also have such a huge,

0:48:37.880 --> 0:48:39.799
<v Speaker 2>you know, credit card debt balance at the same time.

0:48:39.960 --> 0:48:42.400
<v Speaker 3>Yeah, last thing I'll add on this is that you know,

0:48:42.440 --> 0:48:45.000
<v Speaker 3>I'm not a fan of overthinking. Sometimes we can paralyze

0:48:45.000 --> 0:48:48.080
<v Speaker 3>ourselves with like doing so much research we don't do anything.

0:48:48.160 --> 0:48:49.640
<v Speaker 3>But don't think that as soon as you get the

0:48:49.680 --> 0:48:52.319
<v Speaker 3>money you have to make an instant decision. I love

0:48:52.360 --> 0:48:55.120
<v Speaker 3>that one. You're like listening to this podcast and you're

0:48:55.120 --> 0:48:57.080
<v Speaker 3>setting in the question because that means you're aware, you

0:48:57.120 --> 0:49:00.279
<v Speaker 3>know you are doing the work upfront, but don't be

0:49:00.400 --> 0:49:03.320
<v Speaker 3>pressured into having to make a decision right away. Continue

0:49:03.320 --> 0:49:05.000
<v Speaker 3>to think about all the things that Mandy and I

0:49:05.080 --> 0:49:07.760
<v Speaker 3>just said, but make a decision I do think you should,

0:49:07.760 --> 0:49:09.000
<v Speaker 3>but don't rush to do it.

0:49:09.719 --> 0:49:13.400
<v Speaker 2>Yeah, that's it's important too, Yeah exactly. It's not like

0:49:13.440 --> 0:49:15.440
<v Speaker 2>that money. You can just clunk it in your savings

0:49:15.480 --> 0:49:18.040
<v Speaker 2>account and see how that feels for a bit while

0:49:18.040 --> 0:49:20.480
<v Speaker 2>you're figuring out how to tackle that credit card debt.

0:49:21.200 --> 0:49:22.680
<v Speaker 2>Just don't you know. I mean, the one thing I

0:49:22.719 --> 0:49:25.080
<v Speaker 2>would say don't do is maybe don't buy bitcoin with it,

0:49:25.680 --> 0:49:27.279
<v Speaker 2>so that that would re buy you like a third

0:49:27.280 --> 0:49:30.200
<v Speaker 2>of a bitcoin these days. I don't know. All right, Well,

0:49:30.280 --> 0:49:32.120
<v Speaker 2>I hope that this was helpful for you. Thank you

0:49:32.160 --> 0:49:34.680
<v Speaker 2>so much for leaving us your question Again. Y'all hit

0:49:34.719 --> 0:49:37.040
<v Speaker 2>us up at Brandon Mission podcast on IG if you

0:49:37.040 --> 0:50:12.799
<v Speaker 2>have more questions for us. All right, Jamila, it is

0:50:12.880 --> 0:50:15.120
<v Speaker 2>the time we've all been waiting for. It is the

0:50:15.120 --> 0:50:17.880
<v Speaker 2>all important brown boost, brown break at the end of

0:50:17.920 --> 0:50:20.440
<v Speaker 2>the show, what are you going to boost or break today?

0:50:21.640 --> 0:50:26.360
<v Speaker 3>I'm going to break the expectation that we as women

0:50:26.440 --> 0:50:28.359
<v Speaker 3>or leaders in our family who are in this role

0:50:28.440 --> 0:50:32.720
<v Speaker 3>have to do everything. I think our lives just waking

0:50:32.760 --> 0:50:34.560
<v Speaker 3>up by yourself, even if you don't have kids, okay,

0:50:34.560 --> 0:50:36.880
<v Speaker 3>It's like life is hard, okay, and so I think

0:50:37.080 --> 0:50:39.920
<v Speaker 3>this pressure on us to be perfect moms and to

0:50:40.080 --> 0:50:43.319
<v Speaker 3>be fit and to know to send all the thank

0:50:43.320 --> 0:50:45.560
<v Speaker 3>you notes and have just all these things. I think

0:50:45.800 --> 0:50:49.360
<v Speaker 3>we need to really rebelegance and know that you're doing

0:50:49.440 --> 0:50:51.800
<v Speaker 3>okay the best you can. And so it's really important

0:50:51.800 --> 0:50:54.880
<v Speaker 3>to prioritize yourself and be selfish. And I know that

0:50:54.880 --> 0:50:57.520
<v Speaker 3>sounds crazy, but for some people not anymore. You sound

0:50:57.560 --> 0:50:59.359
<v Speaker 3>crazy to me, but I know that if I am,

0:51:00.440 --> 0:51:02.759
<v Speaker 3>then everyone else in my family is happier because I

0:51:02.760 --> 0:51:04.279
<v Speaker 3>can give more. And so I want to break the

0:51:04.280 --> 0:51:06.520
<v Speaker 3>expectation that we have to be everybody to everyone else,

0:51:06.680 --> 0:51:10.080
<v Speaker 3>and we need to be what we need for ourselves first.

0:51:10.800 --> 0:51:12.879
<v Speaker 2>I love that, and I feel like that is that

0:51:13.040 --> 0:51:16.120
<v Speaker 2>message and that thought process is so evident on your

0:51:16.120 --> 0:51:18.239
<v Speaker 2>social media. I really love following you because I feel

0:51:18.239 --> 0:51:20.160
<v Speaker 2>like it's so positive. So if you guys don't follow

0:51:20.239 --> 0:51:23.480
<v Speaker 2>Jamila yet, go to follow her you twice. First follow

0:51:23.520 --> 0:51:26.520
<v Speaker 2>her at her personal handle Jamila'suffront, and then second go

0:51:26.760 --> 0:51:30.000
<v Speaker 2>follow her at Journey to Launch. On all social media platforms,

0:51:30.360 --> 0:51:32.480
<v Speaker 2>it just feels like, yeah, it's a breath of fresh air,

0:51:32.719 --> 0:51:34.280
<v Speaker 2>and thank you for that positive message.

0:51:34.320 --> 0:51:34.840
<v Speaker 3>Oh thank you.

0:51:35.400 --> 0:51:37.319
<v Speaker 2>Yeah. Well, let me end the show with a quick

0:51:37.320 --> 0:51:42.400
<v Speaker 2>boost myself. We just celebrated the first official Juneteenth holiday

0:51:42.440 --> 0:51:45.160
<v Speaker 2>on the federal calendar. It happens so quick, and I

0:51:45.200 --> 0:51:46.960
<v Speaker 2>know that there was I don't know how you feel.

0:51:46.960 --> 0:51:48.759
<v Speaker 2>We only have time to get into it, but there

0:51:48.760 --> 0:51:51.799
<v Speaker 2>are some feelings about Juneteenth. Is it enough? Is it

0:51:51.840 --> 0:51:54.839
<v Speaker 2>not enough? But you know what I decided. Of course,

0:51:54.880 --> 0:51:56.600
<v Speaker 2>there's still so much work to be done. This is

0:51:56.640 --> 0:51:58.799
<v Speaker 2>not it. You can't just give us a holiday and

0:51:58.840 --> 0:52:01.200
<v Speaker 2>then call it quits. But I'm like, for one thing,

0:52:01.640 --> 0:52:04.040
<v Speaker 2>we got something in the summer, y'all, Like it's not

0:52:04.080 --> 0:52:07.320
<v Speaker 2>the dead of winter. That's nice to have some a

0:52:07.440 --> 0:52:10.840
<v Speaker 2>chance to celebrate to blackness. And so what I decided

0:52:10.840 --> 0:52:13.360
<v Speaker 2>to do this weekend was the weather was going to

0:52:13.440 --> 0:52:15.840
<v Speaker 2>be okay, So I threw a last minute barbecue for

0:52:16.000 --> 0:52:19.319
<v Speaker 2>my neighbors. And just in my neighborhood is, like I said,

0:52:19.320 --> 0:52:21.040
<v Speaker 2>we have a lot of diversity. Mostly it's like a

0:52:21.080 --> 0:52:25.080
<v Speaker 2>largely black neighborhood here in my county outside of New York.

0:52:25.160 --> 0:52:27.719
<v Speaker 2>And I just invited the neighbors over. I got a

0:52:27.719 --> 0:52:31.279
<v Speaker 2>big ass cake that said Juneteenth Freedom Day on it.

0:52:31.680 --> 0:52:34.319
<v Speaker 2>We made burgers and hot dogs and it was just

0:52:34.360 --> 0:52:36.120
<v Speaker 2>a I don't know it was just an opportunity to

0:52:36.200 --> 0:52:39.480
<v Speaker 2>just come together as a community and to heal a

0:52:39.480 --> 0:52:42.600
<v Speaker 2>little bit from the trauma, the trauma of a lifetime,

0:52:42.600 --> 0:52:46.400
<v Speaker 2>but especially this past year. So I just wanted to say,

0:52:46.640 --> 0:52:50.520
<v Speaker 2>you know, unapologetically, you know, celebrate these small pockets of

0:52:50.920 --> 0:52:54.040
<v Speaker 2>positive time that we've been given. And if Juneteenth is

0:52:54.080 --> 0:52:56.680
<v Speaker 2>an opportunity to do that, I would say, do it

0:52:56.760 --> 0:53:01.360
<v Speaker 2>without apology. It was. It was really beautiful, and the

0:53:01.440 --> 0:53:03.879
<v Speaker 2>work continues. You know, we still got to fight for

0:53:04.239 --> 0:53:08.280
<v Speaker 2>voting rights and law enforcement reform and all of the things,

0:53:08.320 --> 0:53:10.799
<v Speaker 2>but you know, it was it was a nice opportunity

0:53:10.840 --> 0:53:13.520
<v Speaker 2>to sip back and just celebrate ourselves.

0:53:13.640 --> 0:53:15.360
<v Speaker 3>And if I can add something there, I'm with you

0:53:15.440 --> 0:53:17.920
<v Speaker 3>Mandy on that we need to lean into joy and

0:53:18.040 --> 0:53:21.399
<v Speaker 3>choose joy, especially for those of us we have little

0:53:21.440 --> 0:53:23.480
<v Speaker 3>ones watching us. And so for me, you know, we've

0:53:23.480 --> 0:53:25.719
<v Speaker 3>been celebrating birthdays all for the last six weeks since

0:53:25.760 --> 0:53:27.920
<v Speaker 3>they're all like kind of lumped up together. And so

0:53:28.000 --> 0:53:29.840
<v Speaker 3>we went, we had fun, We went to Coney Island,

0:53:29.880 --> 0:53:32.520
<v Speaker 3>and I'm just like, we deserve joy, we deserve rest,

0:53:33.160 --> 0:53:35.799
<v Speaker 3>and we deserve to know we we can also earn

0:53:35.880 --> 0:53:38.280
<v Speaker 3>money and be good with money and have the freedom

0:53:38.320 --> 0:53:40.200
<v Speaker 3>we want with and without money. I know money is

0:53:40.239 --> 0:53:42.440
<v Speaker 3>the baseline. I know that, but you know there's so

0:53:42.560 --> 0:53:46.360
<v Speaker 3>much other untapped currency in our relationships and enjoy so

0:53:46.400 --> 0:53:47.239
<v Speaker 3>let's lean into that.

0:53:48.480 --> 0:53:51.319
<v Speaker 2>I love that. Well, Jamie, lastufront Journey to launch. Thank

0:53:51.360 --> 0:53:53.680
<v Speaker 2>you so much for joining me in the co host chair.

0:53:53.719 --> 0:53:54.600
<v Speaker 2>I hope it was fun.

0:53:54.920 --> 0:53:58.200
<v Speaker 3>Ah, this was so amazing and exciting. I can't believe

0:53:58.200 --> 0:54:00.680
<v Speaker 3>I'm like, you know, Tiffany, like I got a chance

0:54:00.680 --> 0:54:02.000
<v Speaker 3>to like kind of step in for her because you know,

0:54:02.040 --> 0:54:03.960
<v Speaker 3>I love her and you. So this was awesome.

0:54:04.440 --> 0:54:06.399
<v Speaker 2>Thank you so much. All Right, well, best of luck

0:54:06.400 --> 0:54:09.040
<v Speaker 2>with the as the journey continues. And thank you so

0:54:09.160 --> 0:54:10.040
<v Speaker 2>much for joining us.

0:54:10.719 --> 0:54:11.560
<v Speaker 3>Thank you for having me