1 00:00:16,200 --> 00:00:26,640 Speaker 1: Hey, hey, hey, you got up there. Let me get well, 2 00:00:27,040 --> 00:00:28,600 Speaker 1: you know, I figured, let me show my range. 3 00:00:28,840 --> 00:00:31,720 Speaker 2: She got your seat on your second wind, I see, 4 00:00:33,560 --> 00:00:37,920 Speaker 2: I am Tiffany. Up, y'all, It's Mandy and this is 5 00:00:39,159 --> 00:00:40,239 Speaker 2: brown ambition. 6 00:00:40,360 --> 00:00:41,479 Speaker 1: Brown ambition. 7 00:00:42,200 --> 00:00:42,840 Speaker 2: Easy question. 8 00:00:43,960 --> 00:00:46,160 Speaker 1: I'm tired today. It was one of those days where 9 00:00:46,159 --> 00:00:48,640 Speaker 1: you're like, it's I guess, I don't know, feel like 10 00:00:48,680 --> 00:00:50,199 Speaker 1: I did a whole bunch, but I don't know. I 11 00:00:50,600 --> 00:00:52,400 Speaker 1: went to I had a doctor's apartment in the morning, 12 00:00:52,400 --> 00:00:54,600 Speaker 1: and then I went food shopping, which I guess exhausted me. 13 00:00:55,080 --> 00:00:58,480 Speaker 1: And then I thought, oh, I didn't go to the 14 00:00:58,520 --> 00:01:01,920 Speaker 1: gym because I had at appointment. I walked to my meeting. 15 00:01:02,000 --> 00:01:03,720 Speaker 1: I had a meeting like it was about twenty minutes 16 00:01:03,760 --> 00:01:07,800 Speaker 1: away walking, So I walked. And let's just say it 17 00:01:07,800 --> 00:01:11,000 Speaker 1: was a little bit more tiring than I anticipated. Oh 18 00:01:11,440 --> 00:01:14,000 Speaker 1: and I walked, Yeah, but I mean it was. It 19 00:01:14,040 --> 00:01:18,400 Speaker 1: was a good thing. I interviewed for some new staff, 20 00:01:19,040 --> 00:01:21,880 Speaker 1: and I had an interview with like Reader's Digest and 21 00:01:22,920 --> 00:01:25,000 Speaker 1: like a few other calls. But like it it just 22 00:01:25,319 --> 00:01:27,280 Speaker 1: for some reason, they exhausted me today. I don't know 23 00:01:27,280 --> 00:01:31,000 Speaker 1: if it was the walk or what. But I'm taught it's. 24 00:01:30,840 --> 00:01:35,480 Speaker 2: Just hump day. Yeah, that too, No, I feel you. 25 00:01:35,520 --> 00:01:37,360 Speaker 2: At least the weather is getting a little bit better. 26 00:01:37,760 --> 00:01:40,160 Speaker 2: I feel like I can sleep through the night and 27 00:01:40,200 --> 00:01:43,280 Speaker 2: not wake up like on a in a death sweat. 28 00:01:43,560 --> 00:01:44,080 Speaker 2: It's nice. 29 00:01:45,680 --> 00:01:46,520 Speaker 1: That's always nice. 30 00:01:46,600 --> 00:01:49,920 Speaker 2: That's always nice. No things are things are good. I 31 00:01:51,080 --> 00:01:54,200 Speaker 2: feel like even though so did I tell you all 32 00:01:54,240 --> 00:01:57,680 Speaker 2: about my what's been happening with my team at work? 33 00:01:57,720 --> 00:02:02,080 Speaker 2: Basically we doubled in the span of two weeks, so 34 00:02:02,120 --> 00:02:04,880 Speaker 2: it's been a little hectic, But I I'm feeling pretty good. 35 00:02:04,920 --> 00:02:08,040 Speaker 2: I think that I've definitely learned how to manage craziness 36 00:02:08,080 --> 00:02:11,840 Speaker 2: at work a lot better, Okay, And I'm grateful that 37 00:02:11,960 --> 00:02:14,520 Speaker 2: the I had a I did that that sort of 38 00:02:14,560 --> 00:02:17,760 Speaker 2: management training and last December. It's almost been a year now, 39 00:02:18,000 --> 00:02:20,040 Speaker 2: and the people that I met there have been just 40 00:02:20,120 --> 00:02:23,079 Speaker 2: like this phenomenal source of support. So I went out 41 00:02:23,120 --> 00:02:25,400 Speaker 2: for drinks with a few of them on Monday night 42 00:02:25,440 --> 00:02:28,160 Speaker 2: and it was exactly what I needed. Just like some 43 00:02:28,320 --> 00:02:33,960 Speaker 2: non friend, like non like regular friends, non husband, non coworker, 44 00:02:34,200 --> 00:02:38,040 Speaker 2: just like objective kind of peers to kind of talk 45 00:02:38,080 --> 00:02:41,839 Speaker 2: about and bounce ideas off and just vent about what's 46 00:02:41,840 --> 00:02:44,040 Speaker 2: happening and it was. It was really great. It was 47 00:02:44,080 --> 00:02:47,760 Speaker 2: like the perfect use of my time after work on Monday. 48 00:02:47,760 --> 00:02:49,520 Speaker 2: And I feel like that really gave me some motivation 49 00:02:49,680 --> 00:02:52,720 Speaker 2: and some energy to carry me through the rest. 50 00:02:52,800 --> 00:02:55,760 Speaker 1: You know, I've been trying to do how often do 51 00:02:55,800 --> 00:02:59,040 Speaker 1: you do like you know, like face like I call 52 00:02:59,040 --> 00:03:01,480 Speaker 1: it like face time. So one of the things I 53 00:03:01,560 --> 00:03:04,440 Speaker 1: told myself because I'm always like like, it doesn't mean 54 00:03:04,480 --> 00:03:06,840 Speaker 1: like I don't not go outside, but I was only 55 00:03:06,840 --> 00:03:09,000 Speaker 1: going out if it was like, oh I have to 56 00:03:09,000 --> 00:03:11,120 Speaker 1: go out for the budgeties said oh I'm gonna go 57 00:03:11,160 --> 00:03:14,280 Speaker 1: speak today or I'm taking a flight somewhere. But I 58 00:03:14,320 --> 00:03:19,640 Speaker 1: wasn't spending as much time FaceTime with like family and friends. 59 00:03:19,639 --> 00:03:21,560 Speaker 1: So now I've got like a rule for myself where 60 00:03:22,040 --> 00:03:24,360 Speaker 1: like I talked on the phone with my my friends 61 00:03:24,400 --> 00:03:27,000 Speaker 1: and stuff every day, which is good because I'm like, Okay, 62 00:03:27,000 --> 00:03:29,480 Speaker 1: you have to talk to at least one or two 63 00:03:29,520 --> 00:03:32,440 Speaker 1: friends today, non work related, just the key key check. 64 00:03:32,800 --> 00:03:35,560 Speaker 1: But like the FaceTime part was hard, and so I've 65 00:03:35,560 --> 00:03:37,360 Speaker 1: been telling myself at least once a week, I have 66 00:03:37,520 --> 00:03:40,960 Speaker 1: to you know, dinner, lunch, whatever, walk in the park 67 00:03:40,960 --> 00:03:44,280 Speaker 1: with with like you know, a friend and get some 68 00:03:44,320 --> 00:03:46,440 Speaker 1: face them in like, you know, just connecting. And so 69 00:03:47,440 --> 00:03:49,880 Speaker 1: I'm probably gonna go to dinner tonight with my my 70 00:03:50,000 --> 00:03:53,680 Speaker 1: friend Cabrel. But I I had a meeting with It 71 00:03:53,760 --> 00:03:56,880 Speaker 1: was an older friend of mine who I had seen 72 00:03:56,880 --> 00:03:58,200 Speaker 1: in a while. That's why I walked, and I was like, 73 00:03:58,200 --> 00:03:59,520 Speaker 1: you know, let me go actually go see her for 74 00:03:59,560 --> 00:04:02,120 Speaker 1: this meeting, because it would be nice to get some 75 00:04:02,200 --> 00:04:05,840 Speaker 1: FaceTime because it when you're an entrepreneur, especially if you're 76 00:04:05,840 --> 00:04:07,840 Speaker 1: in a digital space, it's very easy to just be 77 00:04:07,960 --> 00:04:09,400 Speaker 1: like you and your computer, you know. 78 00:04:09,760 --> 00:04:11,320 Speaker 2: Yeah, I was gonna say it because you work from 79 00:04:11,360 --> 00:04:13,680 Speaker 2: home most of the time. So yeah, that's a good 80 00:04:13,720 --> 00:04:16,160 Speaker 2: rule of thumb. Once a week. Once a week's a 81 00:04:16,200 --> 00:04:19,479 Speaker 2: lot like for I mean, I try and do once 82 00:04:19,520 --> 00:04:22,080 Speaker 2: a month. It's getting a lot harder to see friends 83 00:04:22,160 --> 00:04:25,480 Speaker 2: because it's not even the distance anymore. It's the friends 84 00:04:25,480 --> 00:04:27,640 Speaker 2: who have kids. You don't really see them that often anymore. 85 00:04:28,279 --> 00:04:32,279 Speaker 2: And yeah, and sometimes I'm like, Okay, I understand there's 86 00:04:32,279 --> 00:04:34,120 Speaker 2: a season, there's a time when you don't see each 87 00:04:34,120 --> 00:04:37,040 Speaker 2: other as often as you want to, but as far 88 00:04:37,080 --> 00:04:39,200 Speaker 2: as like not so when I kind of put them 89 00:04:39,240 --> 00:04:42,560 Speaker 2: in those different buckets, like the close friends who actually 90 00:04:42,640 --> 00:04:44,880 Speaker 2: see more sparingly, I feel like, so when I see them, 91 00:04:44,880 --> 00:04:47,839 Speaker 2: I try and play like special, Like I'm actually having 92 00:04:47,960 --> 00:04:49,680 Speaker 2: my best best friend who I haven't seen in a 93 00:04:49,680 --> 00:04:52,240 Speaker 2: month because she's been traveling. I've been traveling. We're having 94 00:04:52,279 --> 00:04:54,200 Speaker 2: a girls' night, We're gonna have a sleepover, We're gonna 95 00:04:54,240 --> 00:04:57,320 Speaker 2: have quality, you know, time to catch up tomorrow night. 96 00:04:57,360 --> 00:05:00,200 Speaker 2: And that's like a once every couple months type thing. 97 00:05:00,560 --> 00:05:03,800 Speaker 2: But then when I get together with people from like 98 00:05:03,880 --> 00:05:06,240 Speaker 2: my industry, like my peers, I try and do that 99 00:05:06,320 --> 00:05:10,159 Speaker 2: once a month because they're they have crazy schedules. And 100 00:05:10,240 --> 00:05:12,080 Speaker 2: also I like to let like enough, I like to 101 00:05:12,160 --> 00:05:13,919 Speaker 2: let enough days go by so you have stuff to 102 00:05:13,920 --> 00:05:15,800 Speaker 2: talk about. So you think about that, I'm like, what 103 00:05:15,839 --> 00:05:17,400 Speaker 2: are we gonna talk about? Let me let some life 104 00:05:17,440 --> 00:05:19,919 Speaker 2: go by and let me have something to bring to 105 00:05:19,960 --> 00:05:22,159 Speaker 2: the table, you know. And it's nice to check in 106 00:05:22,200 --> 00:05:23,240 Speaker 2: with them every month or so. 107 00:05:23,680 --> 00:05:26,440 Speaker 1: But it's been a Honestly, it's been great because what 108 00:05:26,520 --> 00:05:29,839 Speaker 1: I'm finding is I'm actually meeting with friends who I 109 00:05:29,839 --> 00:05:33,120 Speaker 1: don't normally see. So like my friend Joy, I had 110 00:05:33,200 --> 00:05:35,599 Speaker 1: lunch with her like the last week or the week 111 00:05:35,640 --> 00:05:38,000 Speaker 1: before or last and I hadn't seen Joy in like 112 00:05:38,040 --> 00:05:41,000 Speaker 1: a few years and even though Joy lives in the 113 00:05:41,000 --> 00:05:43,360 Speaker 1: same city that I live in, so my regular every 114 00:05:43,400 --> 00:05:45,400 Speaker 1: day friends like Brina is my best friend, we talk 115 00:05:45,440 --> 00:05:48,719 Speaker 1: every day, Linda is my best friend, we talk every 116 00:05:48,760 --> 00:05:50,840 Speaker 1: day or every other day. And Cabrello is one of 117 00:05:50,880 --> 00:05:52,960 Speaker 1: my really great friends. We talk all the times. So 118 00:05:53,000 --> 00:05:54,480 Speaker 1: I've got like a core group of friends who I 119 00:05:54,560 --> 00:05:57,799 Speaker 1: talk to and typically see more. But what I'm seeing 120 00:05:57,839 --> 00:06:00,640 Speaker 1: is the FaceTime rule has create we did this great 121 00:06:00,640 --> 00:06:03,640 Speaker 1: opportunity to like hang out with friends who I don't 122 00:06:03,680 --> 00:06:06,960 Speaker 1: talk to and I never see. So it was it 123 00:06:07,000 --> 00:06:09,279 Speaker 1: was just it's just been really nice and it's not 124 00:06:09,320 --> 00:06:13,039 Speaker 1: a chore. It's just like I'm wanting to, like, you know, 125 00:06:13,360 --> 00:06:16,560 Speaker 1: make a more I hate the word balance, so I 126 00:06:16,640 --> 00:06:19,640 Speaker 1: call it harmonized, like harmony over balance. So instead of 127 00:06:19,640 --> 00:06:21,880 Speaker 1: trying to hold all things the equal measure, which was 128 00:06:21,960 --> 00:06:25,240 Speaker 1: what balance means to me, more like, okay, how do 129 00:06:25,360 --> 00:06:28,599 Speaker 1: I make sure that all things are working collectively together 130 00:06:28,680 --> 00:06:30,880 Speaker 1: for the greater good of me? And so a more 131 00:06:30,880 --> 00:06:34,200 Speaker 1: harmoniziced life. So yeah, so today it was nice to 132 00:06:34,240 --> 00:06:36,120 Speaker 1: get like a little harmony in. 133 00:06:37,400 --> 00:06:39,719 Speaker 2: That reminded when you said, when you said wellness expert, 134 00:06:39,839 --> 00:06:42,560 Speaker 2: someone had asked a question and I don't have the name, 135 00:06:42,600 --> 00:06:44,520 Speaker 2: but she wanted to know because before you had talked 136 00:06:44,520 --> 00:06:48,120 Speaker 2: about like getting a productivity expert or productivity coach or something, 137 00:06:48,720 --> 00:06:50,760 Speaker 2: and it's been a while since we had an update, 138 00:06:50,800 --> 00:06:54,000 Speaker 2: and she wondered, if you've if you've found anybody I've 139 00:06:54,040 --> 00:06:55,200 Speaker 2: done anything to that end. 140 00:06:57,080 --> 00:07:02,280 Speaker 1: I did. Her name is Danielle, don't get me her. 141 00:07:02,400 --> 00:07:06,440 Speaker 1: Her companies called Strategic Candy. And so it was between 142 00:07:06,520 --> 00:07:09,840 Speaker 1: Danielle and this other young woman named Rose. And I 143 00:07:09,960 --> 00:07:15,600 Speaker 1: chose Danielle from Strategic Candy because she was very techy 144 00:07:16,120 --> 00:07:18,960 Speaker 1: and I am not. And I remember thinking to myself, 145 00:07:18,960 --> 00:07:22,520 Speaker 1: we don't really have like a super tech brown girl 146 00:07:22,560 --> 00:07:25,000 Speaker 1: on the team. And I'm so glad that I chose 147 00:07:25,040 --> 00:07:28,440 Speaker 1: Danyelle for that role. Because it's as soon as thy 148 00:07:28,480 --> 00:07:31,480 Speaker 1: Yelle came on, promptly all of our tech started falling apart. 149 00:07:31,640 --> 00:07:34,960 Speaker 1: It was crazy. I was like, oh, a website's not 150 00:07:34,960 --> 00:07:38,920 Speaker 1: waking great, like like literally everything started to crumble. And 151 00:07:39,000 --> 00:07:43,720 Speaker 1: Danielle she came in originally to help us get more 152 00:07:43,800 --> 00:07:46,320 Speaker 1: organized as a team, but she spent the first three 153 00:07:46,400 --> 00:07:49,720 Speaker 1: or four months saving us because our tech started to 154 00:07:49,720 --> 00:07:52,880 Speaker 1: to break and you know, like through no fault of 155 00:07:52,920 --> 00:07:54,640 Speaker 1: like anyone. It was just like, oh, the rules are 156 00:07:54,680 --> 00:07:57,600 Speaker 1: changing here, or this has expired, or you know, like 157 00:07:57,840 --> 00:08:00,280 Speaker 1: the websites that you're using no longer can for what 158 00:08:00,360 --> 00:08:03,440 Speaker 1: you're doing. And Danielle saved us. So it took a 159 00:08:03,480 --> 00:08:07,200 Speaker 1: few months to get our tech kind of like updated. 160 00:08:08,520 --> 00:08:11,920 Speaker 1: And then she made a suggestion of us switching from 161 00:08:12,000 --> 00:08:14,160 Speaker 1: go Daddy, which is what we were using, to this 162 00:08:14,320 --> 00:08:19,480 Speaker 1: other hosting platform called name Cheap because it was gonna 163 00:08:19,520 --> 00:08:21,840 Speaker 1: save us, you know, hundreds of hundreds of dollars a year, 164 00:08:22,080 --> 00:08:25,480 Speaker 1: thousands of dollars in our in our business lifetime. And 165 00:08:25,560 --> 00:08:27,680 Speaker 1: so that transition was not an easy one because we 166 00:08:27,720 --> 00:08:30,160 Speaker 1: had so many domains and all this other stuff. So 167 00:08:30,280 --> 00:08:34,000 Speaker 1: that took like another a couple of weeks. We finally 168 00:08:34,000 --> 00:08:35,800 Speaker 1: made the transition. She made sure that all of our 169 00:08:35,840 --> 00:08:39,319 Speaker 1: websites were you know how like those uh uh they 170 00:08:39,320 --> 00:08:42,480 Speaker 1: made us. You changed from https to h or from 171 00:08:42,640 --> 00:08:46,600 Speaker 1: http to HTTPS. So when you're on a website, there's 172 00:08:46,640 --> 00:08:48,160 Speaker 1: like this law now where they're like it has to 173 00:08:48,200 --> 00:08:50,200 Speaker 1: be secure, so you have to get basically the S 174 00:08:50,320 --> 00:08:52,600 Speaker 1: added and and that was a whole other thing, and 175 00:08:52,640 --> 00:08:55,000 Speaker 1: I'm like, I don't know what these things mean. So 176 00:08:55,120 --> 00:08:57,920 Speaker 1: Danielle did so well that I ended up hiring her 177 00:08:57,960 --> 00:08:59,640 Speaker 1: full time. Actually made her offer today. 178 00:08:59,720 --> 00:09:03,160 Speaker 2: Wait, but this doesn't sound like a productivity expert for Tiffany. 179 00:09:03,320 --> 00:09:04,520 Speaker 2: That's yeah, they were hiring. 180 00:09:05,320 --> 00:09:08,079 Speaker 1: I was, but all of our tech fell apart and 181 00:09:08,679 --> 00:09:11,400 Speaker 1: Dyelle was super techy. So but one thing she did 182 00:09:11,440 --> 00:09:14,240 Speaker 1: help us with is one she well, I wanted a 183 00:09:14,240 --> 00:09:18,600 Speaker 1: productivity coach for me, but more so for how do 184 00:09:18,640 --> 00:09:22,080 Speaker 1: we manage the team better? And well, some of your 185 00:09:22,120 --> 00:09:24,760 Speaker 1: issues are tech issues, so that that that's why we 186 00:09:24,760 --> 00:09:26,160 Speaker 1: were struggling. So she said, you know, you don't have 187 00:09:26,160 --> 00:09:30,480 Speaker 1: a product management tool, so we're implementing that. She was, like, 188 00:09:30,720 --> 00:09:33,640 Speaker 1: the way that you guys handle emails is kind of janky, 189 00:09:33,720 --> 00:09:35,920 Speaker 1: so she fixed that. She said, so the way that 190 00:09:35,960 --> 00:09:41,360 Speaker 1: we handle passwords is like causing it. It creates more work, 191 00:09:41,520 --> 00:09:44,679 Speaker 1: So she fixed that. So she fixed more so our 192 00:09:44,800 --> 00:09:50,480 Speaker 1: systems versus like me like personally as Tiffany. And so 193 00:09:50,880 --> 00:09:55,599 Speaker 1: I hired her today to come on as my executive 194 00:09:55,640 --> 00:09:59,560 Speaker 1: admin because I said, Okay, now that our systems are fixed, 195 00:09:59,559 --> 00:10:02,360 Speaker 1: now I want you to help me, you know, because 196 00:10:02,400 --> 00:10:04,480 Speaker 1: it took just this long to get our systems shick. 197 00:10:04,640 --> 00:10:06,319 Speaker 1: I didn't think we I didn't realize that we had 198 00:10:06,440 --> 00:10:10,000 Speaker 1: like a technical systems issue. I just thought like, oh, 199 00:10:10,120 --> 00:10:12,959 Speaker 1: taking really disorganized. And she's like, no, you guys are 200 00:10:12,960 --> 00:10:17,280 Speaker 1: not as unorganized as you think. It was more of 201 00:10:17,320 --> 00:10:21,520 Speaker 1: a systems issue, like you know, like your your your foundation, 202 00:10:21,720 --> 00:10:24,240 Speaker 1: you know. And so I was like, oh, yes, exactly, 203 00:10:24,360 --> 00:10:26,760 Speaker 1: process is issue. And I said I didn't realize because 204 00:10:27,040 --> 00:10:31,440 Speaker 1: like I had built the team and the company sans 205 00:10:31,480 --> 00:10:34,760 Speaker 1: technology because I didn't have it. So I was like, well, 206 00:10:35,000 --> 00:10:37,240 Speaker 1: I was building around technology because I was like I 207 00:10:37,240 --> 00:10:38,360 Speaker 1: don't know how to use that, so we'll just do 208 00:10:38,400 --> 00:10:40,400 Speaker 1: it like this, you know, like I'll give you an example, 209 00:10:40,440 --> 00:10:43,120 Speaker 1: which is so terrible, Like all of our if you 210 00:10:43,160 --> 00:10:45,720 Speaker 1: needed a password, we had a Google doc with every 211 00:10:45,760 --> 00:10:48,840 Speaker 1: password of like all hundreds of our passwords. So anybody 212 00:10:48,880 --> 00:10:50,080 Speaker 1: could have had this and be like, oh I own 213 00:10:50,160 --> 00:10:51,000 Speaker 1: your company. 214 00:10:50,679 --> 00:10:55,560 Speaker 2: Now what that's crazy. I would never do that for myself. 215 00:10:58,040 --> 00:11:00,800 Speaker 1: And so I was like, she was like, is this 216 00:11:00,880 --> 00:11:04,280 Speaker 1: real life, Tiffany, This can't be so if you like, 217 00:11:04,320 --> 00:11:08,400 Speaker 1: we had like a Google password sheet for our finance team, 218 00:11:08,400 --> 00:11:11,880 Speaker 1: our marketing team, so if you change a password on 219 00:11:11,880 --> 00:11:14,360 Speaker 1: one sheet, you'd have to go to all the everybody 220 00:11:14,360 --> 00:11:16,480 Speaker 1: else's sheet and tames the password and sometimes you forget 221 00:11:16,640 --> 00:11:19,160 Speaker 1: and everyone's like in slack, like, hey, does anybody know 222 00:11:19,200 --> 00:11:22,040 Speaker 1: the password for for you know, Stripe? No I changed it? 223 00:11:22,080 --> 00:11:24,880 Speaker 1: Did you change? It? Was a mess and she was okay, yeah, 224 00:11:24,920 --> 00:11:27,040 Speaker 1: so you see what I mean. So a lot of 225 00:11:27,040 --> 00:11:30,240 Speaker 1: what Danielle did was like it's almost like when you're 226 00:11:30,400 --> 00:11:33,839 Speaker 1: renovating a house. She fixed our plumbing and our electrical 227 00:11:33,920 --> 00:11:36,080 Speaker 1: and the things that you don't see in a home. 228 00:11:36,679 --> 00:11:39,560 Speaker 1: But so now we're running so much more smoothly. And 229 00:11:39,600 --> 00:11:41,160 Speaker 1: now that that's kind of we can kind of close 230 00:11:41,240 --> 00:11:43,839 Speaker 1: up the walls. Now she's coming on board. Actually helped 231 00:11:43,840 --> 00:11:46,760 Speaker 1: meet Tiffany, and so, like I said, I just made 232 00:11:46,760 --> 00:11:48,160 Speaker 1: her an offer today. I was like Danielle, She's like, 233 00:11:48,240 --> 00:11:50,280 Speaker 1: I know, I came to this one thing. Tiffany. I'm 234 00:11:50,280 --> 00:11:52,880 Speaker 1: so sorry. I'm like, no, a girl. I mean, I'm 235 00:11:52,880 --> 00:11:56,120 Speaker 1: so happy that you fixed our processes because we can't 236 00:11:56,120 --> 00:11:58,480 Speaker 1: build on a shaky house, and so now we can 237 00:11:58,520 --> 00:12:01,760 Speaker 1: we can build from there. And so much has happened. 238 00:12:01,760 --> 00:12:04,319 Speaker 1: Like one of the things that we've gotten better at, 239 00:12:04,320 --> 00:12:06,600 Speaker 1: Like so I have my online academy, the literature academy. 240 00:12:07,200 --> 00:12:10,160 Speaker 1: We redid one of our websites, and our churn rate, 241 00:12:10,200 --> 00:12:13,760 Speaker 1: which is the rate that people leave the academy, was 242 00:12:13,840 --> 00:12:15,720 Speaker 1: got as high as twenty one percent at one point, 243 00:12:15,720 --> 00:12:17,960 Speaker 1: meaning like for every hundred people that signed up, twenty 244 00:12:18,000 --> 00:12:21,320 Speaker 1: one canceled because we weren't as organized as we needed 245 00:12:21,320 --> 00:12:24,520 Speaker 1: to be. Within this six month span, our turnd rate 246 00:12:24,559 --> 00:12:28,280 Speaker 1: went down to six percent. That's tremendous. That means instead 247 00:12:28,320 --> 00:12:30,640 Speaker 1: of twenty one people leaving, only six people are leaving 248 00:12:30,679 --> 00:12:35,760 Speaker 1: for every hundred. That's tremendous. Like, you know, our lifetime 249 00:12:35,840 --> 00:12:38,560 Speaker 1: value of a customer, so before somebody would join with 250 00:12:38,640 --> 00:12:41,280 Speaker 1: us the academy is like ten bucks a month, and 251 00:12:41,400 --> 00:12:43,400 Speaker 1: each person would spend about one hundred and fifty dollars 252 00:12:43,440 --> 00:12:47,080 Speaker 1: with us before leaving. Now our lifetime value per customer 253 00:12:47,120 --> 00:12:49,559 Speaker 1: it's almost three hundred dollars, So people are spending twice 254 00:12:49,600 --> 00:12:52,760 Speaker 1: as long with us. And so like all of these, 255 00:12:52,840 --> 00:12:56,040 Speaker 1: like the processes and the organization behind the scenes, I mean, 256 00:12:56,360 --> 00:13:01,000 Speaker 1: it has translated into real changes in actual money. And 257 00:13:01,040 --> 00:13:03,319 Speaker 1: as a result, I've been able to give higher two 258 00:13:03,360 --> 00:13:05,800 Speaker 1: new people full time. I've been able to give raises 259 00:13:06,320 --> 00:13:07,920 Speaker 1: because I always tell the team that like, as the 260 00:13:07,920 --> 00:13:10,840 Speaker 1: company does better, so should you. So, you know, Danielle 261 00:13:10,840 --> 00:13:14,360 Speaker 1: being here, it's it's it's it's it's been transformational, and 262 00:13:14,440 --> 00:13:17,840 Speaker 1: that it's not just helped me personally to have a smoother, 263 00:13:18,760 --> 00:13:21,640 Speaker 1: better running like you know, team, it means that my 264 00:13:21,679 --> 00:13:24,240 Speaker 1: team can make more and I can actually hire more people. 265 00:13:24,520 --> 00:13:27,440 Speaker 1: And it's all Brown Girl Magic book up in here. 266 00:13:27,480 --> 00:13:30,199 Speaker 1: In Jabrill, my business partner, I always say, I'm like, yeah, 267 00:13:30,200 --> 00:13:33,760 Speaker 1: it's brown Girls and Gebro Andbrill. No. 268 00:13:33,920 --> 00:13:37,240 Speaker 2: I the value of having an outside person come in, 269 00:13:38,040 --> 00:13:41,120 Speaker 2: and I think like consultants, you know, capital c consultants 270 00:13:41,120 --> 00:13:43,000 Speaker 2: like professional ones get a bad rap. But you don't 271 00:13:43,000 --> 00:13:45,080 Speaker 2: need to have big money to just have someone with 272 00:13:45,480 --> 00:13:47,160 Speaker 2: like you said, you found someone with a certain skill 273 00:13:47,200 --> 00:13:49,040 Speaker 2: set or with a certain talent just come in and 274 00:13:49,400 --> 00:13:51,280 Speaker 2: like take a look at how you're running things and 275 00:13:51,280 --> 00:13:53,160 Speaker 2: make suggestions on how to make them better. And that's 276 00:13:53,160 --> 00:13:56,400 Speaker 2: something that any business manager, like whether you're an entrepreneur 277 00:13:56,679 --> 00:13:59,000 Speaker 2: or you work for a company, Like anybody can do that, 278 00:13:59,160 --> 00:14:02,439 Speaker 2: you know, just having someone from another department that you 279 00:14:02,480 --> 00:14:04,040 Speaker 2: don't work with every day come and take a look 280 00:14:04,040 --> 00:14:05,880 Speaker 2: at how you do things and then make and like 281 00:14:05,920 --> 00:14:07,920 Speaker 2: they'll point out things that you never thought of, like man, 282 00:14:07,920 --> 00:14:10,760 Speaker 2: why are you doing this this way? And that's part 283 00:14:10,760 --> 00:14:13,400 Speaker 2: of the reason I love having those those peer like 284 00:14:13,440 --> 00:14:15,560 Speaker 2: those peer meetups with people I know who are working 285 00:14:15,640 --> 00:14:18,000 Speaker 2: in media and other companies because I can tell them 286 00:14:18,000 --> 00:14:20,000 Speaker 2: how I do things and learn how they do things, 287 00:14:20,080 --> 00:14:23,560 Speaker 2: and then seal ideas from them and try and incorporate 288 00:14:23,560 --> 00:14:25,800 Speaker 2: them into what I'm doing. And it also it's nice 289 00:14:25,840 --> 00:14:28,720 Speaker 2: when they, you know, either compliment something that you're doing 290 00:14:28,840 --> 00:14:30,680 Speaker 2: or they take one of your ideas, and that that 291 00:14:30,880 --> 00:14:35,160 Speaker 2: idea exchange is so so crucial to success. 292 00:14:35,000 --> 00:14:36,760 Speaker 1: Because sometimes you're so used to walking on like a 293 00:14:36,760 --> 00:14:40,240 Speaker 1: broken leg that you forget that, like not everybody's limping, 294 00:14:40,400 --> 00:14:43,800 Speaker 1: you know, yeah, you know. So yeah, it's been great, 295 00:14:43,840 --> 00:14:45,840 Speaker 1: and so I'm excited for the next phase, which is 296 00:14:46,240 --> 00:14:48,640 Speaker 1: now more organizing me and the way I am as 297 00:14:48,680 --> 00:14:50,480 Speaker 1: a leader. So I'm excited that we finally got to 298 00:14:50,640 --> 00:14:54,600 Speaker 1: like what I originally hired her for. So like, like 299 00:14:54,680 --> 00:14:57,360 Speaker 1: I'm honestly, I really think that by this time next 300 00:14:57,440 --> 00:14:59,120 Speaker 1: year it's going to be a will be a totally 301 00:14:59,120 --> 00:15:02,600 Speaker 1: different company. I'm hoping to triple, it's not quadruple what 302 00:15:02,640 --> 00:15:04,640 Speaker 1: we make because I want to be able to My 303 00:15:05,000 --> 00:15:08,000 Speaker 1: goal is to be able to hire everyone full time 304 00:15:08,400 --> 00:15:10,320 Speaker 1: to be able to our twenty twenty goal is to 305 00:15:10,360 --> 00:15:13,360 Speaker 1: make the average income six figures. So we have like 306 00:15:13,560 --> 00:15:15,920 Speaker 1: a goal sheet and a goal chart and like a 307 00:15:16,080 --> 00:15:21,600 Speaker 1: specific like a game plan of getting there, and to 308 00:15:21,600 --> 00:15:25,560 Speaker 1: be able to offer health insurance as well as retirement benefits. 309 00:15:25,680 --> 00:15:28,280 Speaker 1: So that's our twenty twenty goal. So health insurance, retirement 310 00:15:28,360 --> 00:15:31,080 Speaker 1: benefits will go on to effect early next year, and 311 00:15:31,680 --> 00:15:34,200 Speaker 1: we should be like halfway to our goal by early 312 00:15:34,200 --> 00:15:38,040 Speaker 1: next year, because we're about I want to say, thirty 313 00:15:38,080 --> 00:15:40,720 Speaker 1: percent to our goal now. And so this is a 314 00:15:40,720 --> 00:15:42,640 Speaker 1: goal that we set forth earlier on in the year 315 00:15:43,160 --> 00:15:46,640 Speaker 1: because I feel like this that I want to run 316 00:15:46,720 --> 00:15:49,840 Speaker 1: a company and just my life and that everyone that 317 00:15:50,120 --> 00:15:55,760 Speaker 1: I touch should benefit, meaning that if so dream Catchers, 318 00:15:55,760 --> 00:15:58,800 Speaker 1: you know, y'all your benefit because we give away financial 319 00:15:58,800 --> 00:16:01,760 Speaker 1: information for free or super low cost on purpose. But 320 00:16:02,160 --> 00:16:07,520 Speaker 1: the people that help make that goal reality, they should 321 00:16:07,560 --> 00:16:10,120 Speaker 1: benefit too. They should be paid well, and you know, 322 00:16:10,280 --> 00:16:13,080 Speaker 1: and so and any partner that I'm like, hey, you know, 323 00:16:13,560 --> 00:16:15,800 Speaker 1: I love your tool, you should benefit. I just feel 324 00:16:15,800 --> 00:16:18,520 Speaker 1: like that I want to create a win win win 325 00:16:18,920 --> 00:16:22,600 Speaker 1: environment where everyone involved in the process, everyone receiving and 326 00:16:22,680 --> 00:16:26,760 Speaker 1: everyone giving benefits. And my team is so amazing, and 327 00:16:27,040 --> 00:16:29,000 Speaker 1: I want them to say I make more than enough 328 00:16:29,040 --> 00:16:31,880 Speaker 1: to support myself and my family. Most of them are moms, 329 00:16:31,920 --> 00:16:35,080 Speaker 1: with a lot of them have young kids. When I 330 00:16:35,080 --> 00:16:38,360 Speaker 1: first started, like really building my team last year, honestly, Mandy, 331 00:16:38,400 --> 00:16:40,680 Speaker 1: I was paying eleven dollars an hour out of pocket 332 00:16:41,480 --> 00:16:43,800 Speaker 1: because the business wasn't making any money. Like the budget 333 00:16:43,840 --> 00:16:47,560 Speaker 1: Nista was making some but the academy wasn't making any money. 334 00:16:47,600 --> 00:16:49,800 Speaker 1: It was failing. But I believed in it because I 335 00:16:49,840 --> 00:16:51,200 Speaker 1: was like, no, there has to be a way to 336 00:16:51,360 --> 00:16:55,440 Speaker 1: offer next level services to women, especially women of color, 337 00:16:55,520 --> 00:16:57,440 Speaker 1: and not charge your arm and alike I refuse to 338 00:16:57,520 --> 00:16:59,920 Speaker 1: charge more than ten bucks a month. I's like, no, 339 00:17:00,280 --> 00:17:02,080 Speaker 1: there has to be a way. I hadn't figured it 340 00:17:02,120 --> 00:17:05,000 Speaker 1: out yet, so I was paying people from my savings account, 341 00:17:05,240 --> 00:17:07,280 Speaker 1: and I was like, all I could afford was eleven 342 00:17:07,320 --> 00:17:10,480 Speaker 1: dollars an hour, and people worked for me like people 343 00:17:10,520 --> 00:17:13,000 Speaker 1: work for me. And now those same people make five figures, 344 00:17:13,080 --> 00:17:16,080 Speaker 1: you know, like a decent five figure salary within a year, 345 00:17:16,800 --> 00:17:19,960 Speaker 1: and so we are approaching that goal of six figures. 346 00:17:20,000 --> 00:17:23,560 Speaker 1: And I'm just always grateful that people stuck with it, 347 00:17:23,640 --> 00:17:26,119 Speaker 1: and obviously they weren't there for the money because I 348 00:17:26,160 --> 00:17:28,119 Speaker 1: wasn't able to pay much. And now we pay a 349 00:17:28,200 --> 00:17:31,159 Speaker 1: decent salary, but not as much as I want. And 350 00:17:31,440 --> 00:17:32,919 Speaker 1: I just can't wait for the day where I'm like, 351 00:17:33,640 --> 00:17:36,080 Speaker 1: I can pay one hundred thousand dollars like on average 352 00:17:36,160 --> 00:17:38,680 Speaker 1: to the people on my team, you know, like that 353 00:17:38,760 --> 00:17:42,280 Speaker 1: would make me feel like just awesome, knowing that you 354 00:17:42,320 --> 00:17:44,720 Speaker 1: get to do good work, you know, you get to 355 00:17:44,760 --> 00:17:47,359 Speaker 1: make good money, and you get to help good people. 356 00:17:47,440 --> 00:17:50,680 Speaker 1: And so that's my ultimate goal for everyone involved. 357 00:17:51,000 --> 00:17:54,960 Speaker 2: If only every CEO also felt the same way about 358 00:17:55,000 --> 00:17:56,960 Speaker 2: their company, because I think at a certain point, you 359 00:17:57,000 --> 00:17:59,080 Speaker 2: get to like, you know, I watch these shows on CNBC, 360 00:17:59,240 --> 00:18:01,920 Speaker 2: like The Profit, and these experts come in and the 361 00:18:01,960 --> 00:18:04,000 Speaker 2: first thing they they say, it's, okay, how do we 362 00:18:04,040 --> 00:18:07,080 Speaker 2: reduce costs? And if that if the cost is employees, 363 00:18:07,119 --> 00:18:09,600 Speaker 2: it's like, okay, who we're going to cut? Or you know, 364 00:18:09,920 --> 00:18:12,280 Speaker 2: how can we outsources out of the country so we 365 00:18:12,320 --> 00:18:15,080 Speaker 2: can save money on headcount and stuff. And I mean, 366 00:18:15,080 --> 00:18:19,800 Speaker 2: I think that that's extraordinary and unique, and it's not 367 00:18:19,840 --> 00:18:23,680 Speaker 2: something that all business owners think about, especially when you're 368 00:18:23,800 --> 00:18:26,520 Speaker 2: you know, most everybody is worried about the bottom line 369 00:18:26,520 --> 00:18:29,960 Speaker 2: and how to do that. But that's an awesome goal, 370 00:18:30,040 --> 00:18:32,920 Speaker 2: Like how can you run a profitable business but also 371 00:18:33,520 --> 00:18:36,400 Speaker 2: make the people who work for you profitable and successful 372 00:18:36,400 --> 00:18:36,800 Speaker 2: as well? 373 00:18:38,000 --> 00:18:40,280 Speaker 1: There's a great uh you know the guy, uh what 374 00:18:40,400 --> 00:18:45,160 Speaker 1: is that Sam Adams, like the be the guy who 375 00:18:45,240 --> 00:18:47,359 Speaker 1: started at the Founder. I was listening to him on 376 00:18:47,760 --> 00:18:50,320 Speaker 1: interview and that's what kind of like it gave me 377 00:18:50,359 --> 00:18:53,879 Speaker 1: the spark. He was like, I am the average worker 378 00:18:54,080 --> 00:18:57,240 Speaker 1: of his who work for work for Sam Adams, I 379 00:18:57,240 --> 00:18:59,359 Speaker 1: think makes like seventy five thousand dollar years something like. 380 00:18:59,359 --> 00:19:01,040 Speaker 1: He's like, these are you know, these are not like 381 00:19:02,080 --> 00:19:05,119 Speaker 1: the jobs are not like oh CEO or you know, 382 00:19:05,320 --> 00:19:09,240 Speaker 1: CFO whatever. These are just regular, regular people with regular jobs. 383 00:19:09,280 --> 00:19:11,760 Speaker 1: But the average worker makes seventy five thousand and I 384 00:19:11,760 --> 00:19:14,000 Speaker 1: thought to myself, and he said he did it perfect 385 00:19:14,000 --> 00:19:16,960 Speaker 1: because he came from a blue blue collar, working class family. 386 00:19:17,000 --> 00:19:19,000 Speaker 1: And he was like, I wanted to have good jobs 387 00:19:19,000 --> 00:19:21,720 Speaker 1: for good people. And I remember thinking like, well, what 388 00:19:21,800 --> 00:19:23,919 Speaker 1: does that look like for you, Tiffany, how do I 389 00:19:24,000 --> 00:19:26,960 Speaker 1: do that for your team? And so I'm obsessed with 390 00:19:27,040 --> 00:19:29,320 Speaker 1: our numbers. Honestly, like my CFO and I we talk 391 00:19:29,400 --> 00:19:31,720 Speaker 1: two or three times a week, like I'm the numbers 392 00:19:31,760 --> 00:19:33,760 Speaker 1: and numbers, because one of the ways you do that 393 00:19:33,960 --> 00:19:37,520 Speaker 1: is that you have to figure out for your industry 394 00:19:38,040 --> 00:19:43,720 Speaker 1: what percentage of your payroll what's what's safe. So for 395 00:19:44,840 --> 00:19:49,440 Speaker 1: a service industry, thirty percent of where gross income can 396 00:19:49,480 --> 00:19:51,639 Speaker 1: go toward payroll. That's kind of like the max. Now, 397 00:19:51,680 --> 00:19:54,040 Speaker 1: if you've got like a like let's just say you 398 00:19:54,080 --> 00:19:57,360 Speaker 1: have glasses, so you can't do thirty percent of your payroll. 399 00:19:57,440 --> 00:19:59,840 Speaker 1: It might be fifteen percent of your payroll because you 400 00:19:59,840 --> 00:20:02,040 Speaker 1: have also buy inventory for glasses. But we don't have 401 00:20:02,080 --> 00:20:06,040 Speaker 1: to buy inventory. So knowing that, I hover our payroll 402 00:20:06,480 --> 00:20:09,720 Speaker 1: amount at about twenty twenty five percent maximum, because what 403 00:20:09,760 --> 00:20:13,160 Speaker 1: that means is that I never miss I have never 404 00:20:13,320 --> 00:20:16,280 Speaker 1: missed a payroll if even have to pay for it 405 00:20:16,359 --> 00:20:19,600 Speaker 1: out of pocket. And so I'm always very strategic and 406 00:20:19,640 --> 00:20:22,440 Speaker 1: that as we grow, we're not going to go above 407 00:20:22,480 --> 00:20:24,879 Speaker 1: that twenty twenty five percent mark because that guarantees that 408 00:20:24,880 --> 00:20:27,600 Speaker 1: we don't miss payroll. It guarantees that I, if I 409 00:20:27,640 --> 00:20:30,240 Speaker 1: make your promise that now you're making fifty thousand dollars 410 00:20:30,280 --> 00:20:33,200 Speaker 1: a year, that I'm not over extending myself because maybe 411 00:20:33,200 --> 00:20:36,960 Speaker 1: maybe we could afford sixty, but that would put us 412 00:20:37,040 --> 00:20:39,680 Speaker 1: on the edge. So I much rather say one hundred 413 00:20:39,720 --> 00:20:44,239 Speaker 1: percent fifty than sixty percent sixty, you know, And like 414 00:20:44,880 --> 00:20:48,000 Speaker 1: I make That's the way I think when we're as 415 00:20:48,000 --> 00:20:51,040 Speaker 1: I elevate and grow businesses that I don't make a 416 00:20:51,520 --> 00:20:55,520 Speaker 1: payroll promise that we can't keep one hundred and ten percent. 417 00:20:55,960 --> 00:20:57,560 Speaker 1: And two. One of the things I tell Rachel my 418 00:20:57,640 --> 00:20:59,560 Speaker 1: CFO is I want us to have and we have 419 00:20:59,640 --> 00:21:02,800 Speaker 1: this now, a year's worth of payroll saved, because I'm 420 00:21:02,840 --> 00:21:05,000 Speaker 1: like the biggest worry where I remember what it felt 421 00:21:05,040 --> 00:21:08,000 Speaker 1: like when my school closed and they told us three 422 00:21:08,080 --> 00:21:11,359 Speaker 1: days before school was supposed to open, and we want 423 00:21:11,440 --> 00:21:13,919 Speaker 1: I had no money. The summertime was just wrapping up, 424 00:21:13,960 --> 00:21:16,040 Speaker 1: so I had already spent all of my summertime savings. 425 00:21:16,320 --> 00:21:19,439 Speaker 1: And we're supposed to start school September third, and it 426 00:21:19,560 --> 00:21:23,000 Speaker 1: was September first, and they're like, oh yeah, so no school. 427 00:21:23,080 --> 00:21:25,240 Speaker 1: And I'm like, but what am I supposed to do 428 00:21:25,320 --> 00:21:27,680 Speaker 1: about my bills? What am I supposed to be about my mortgage? 429 00:21:27,720 --> 00:21:31,159 Speaker 1: It was so disruptive and that stuck with me and 430 00:21:31,200 --> 00:21:33,679 Speaker 1: I said, I will never ever do that to someone. 431 00:21:33,920 --> 00:21:36,880 Speaker 1: So we keep a year's worth of savings. So let's 432 00:21:36,880 --> 00:21:39,000 Speaker 1: just say the federal government changes the law and says 433 00:21:39,040 --> 00:21:41,760 Speaker 1: no more financial education online, or the budget needs to 434 00:21:41,960 --> 00:21:45,280 Speaker 1: has a scandal, or the academy closes. I can still 435 00:21:45,320 --> 00:21:47,840 Speaker 1: pay employees for a year until we figure out what 436 00:21:47,920 --> 00:21:51,080 Speaker 1: to do, or until we wrap up the company and say, 437 00:21:51,320 --> 00:21:54,399 Speaker 1: unfortunately we're out of business, but you have a year 438 00:21:55,200 --> 00:21:57,760 Speaker 1: to feed your families, figure out what to do, figure 439 00:21:57,800 --> 00:21:59,040 Speaker 1: out that you're going to tell you how you know, 440 00:21:59,040 --> 00:22:00,639 Speaker 1: whatever it is that you're going to do, because I 441 00:22:00,640 --> 00:22:02,800 Speaker 1: said I would never put somebody else through that. But 442 00:22:02,880 --> 00:22:06,680 Speaker 1: so yeah, we're just really careful because I use what 443 00:22:07,119 --> 00:22:09,560 Speaker 1: it felt like being an employee to be like, well, 444 00:22:09,640 --> 00:22:13,480 Speaker 1: how do I how do I give my employees what 445 00:22:13,560 --> 00:22:18,560 Speaker 1: I needed as an employee to feel financially secure and safe? 446 00:22:18,560 --> 00:22:21,320 Speaker 1: And that's why having like the processes and the systems 447 00:22:21,320 --> 00:22:23,040 Speaker 1: and all the other stuff, because I if something were 448 00:22:23,119 --> 00:22:24,480 Speaker 1: to happen to me, I want to make sure that 449 00:22:24,520 --> 00:22:27,360 Speaker 1: they're okay if I'm not here anymore. We have things 450 00:22:27,400 --> 00:22:29,800 Speaker 1: in place that they'll still be able to run the 451 00:22:29,840 --> 00:22:32,840 Speaker 1: company and be okay with without me. It's a lot, honestly, 452 00:22:32,880 --> 00:22:35,199 Speaker 1: being an entrepreneur. I just thought I was gonna help 453 00:22:35,200 --> 00:22:37,000 Speaker 1: people with budgets you know, I thought I was gonna 454 00:22:37,000 --> 00:22:39,360 Speaker 1: come to your house and say hey, Mandy, And this 455 00:22:39,400 --> 00:22:42,199 Speaker 1: is how you say I didn't think. I didn't. I 456 00:22:42,240 --> 00:22:43,560 Speaker 1: didn't know what was going to be all of that. 457 00:22:43,680 --> 00:22:46,800 Speaker 1: And I'm grateful for the for the ability to do this, 458 00:22:46,920 --> 00:22:50,960 Speaker 1: but it's so much more than just that. It's the 459 00:22:51,000 --> 00:22:53,240 Speaker 1: people who are involved. It's just so much more and 460 00:22:53,520 --> 00:22:56,640 Speaker 1: it's fulfilling. But it's also a little scary because when 461 00:22:56,680 --> 00:22:58,040 Speaker 1: I talk to Rachel on the phone and I hear 462 00:22:58,080 --> 00:23:00,000 Speaker 1: her baby crying, you know, I'm like, oh my god, 463 00:23:00,200 --> 00:23:02,800 Speaker 1: it's not just at ch'all. I just has to work 464 00:23:02,840 --> 00:23:05,280 Speaker 1: for all of us, and Tamar and her her nine 465 00:23:05,320 --> 00:23:07,280 Speaker 1: year olds in the background. It's not just it's just 466 00:23:07,320 --> 00:23:09,720 Speaker 1: not just Tamra. It's her nine year old. It's not 467 00:23:09,760 --> 00:23:12,720 Speaker 1: just YadA Les, it's her, you know, a one year old. 468 00:23:12,720 --> 00:23:16,680 Speaker 1: It's just so many people, you know, are dependent on 469 00:23:16,760 --> 00:23:20,800 Speaker 1: this working, and so it's a lot of pressure. But 470 00:23:20,880 --> 00:23:23,000 Speaker 1: it's also like, really, like I said, a lot of 471 00:23:23,040 --> 00:23:25,159 Speaker 1: fulfillment to be able to do this work. 472 00:23:25,880 --> 00:23:28,280 Speaker 2: Yeah, I don't screw it up, I know right now. 473 00:23:28,280 --> 00:23:30,679 Speaker 1: I'm like, jeez, this is why I work so hard. 474 00:23:30,720 --> 00:23:33,040 Speaker 1: When people are like people get mad when they ask 475 00:23:33,080 --> 00:23:34,639 Speaker 1: you to do stuff for free, or they're like, Tippy, 476 00:23:34,640 --> 00:23:35,879 Speaker 1: can you do this, this and that? And I'm like, 477 00:23:35,920 --> 00:23:38,000 Speaker 1: I really can't, and they're like I thought you were 478 00:23:38,000 --> 00:23:40,800 Speaker 1: for the people. I'm like, yo, I work seventy week. 479 00:23:41,119 --> 00:23:43,440 Speaker 1: Like it's when I'm saying I can't, it's not because 480 00:23:43,480 --> 00:23:45,880 Speaker 1: I'm trying to be like Bougie to be like I can't. 481 00:23:46,000 --> 00:23:47,760 Speaker 1: I can't because it's like at some point I have 482 00:23:47,840 --> 00:23:49,919 Speaker 1: to be a wife, Like at some point, I've got 483 00:23:49,960 --> 00:23:52,680 Speaker 1: to make dinner for Supergirl, like I have to save 484 00:23:52,840 --> 00:23:56,320 Speaker 1: something for like my niece, my nephew, my sisters, my cousins, 485 00:23:56,359 --> 00:23:58,199 Speaker 1: my you know. And I don't even say it as 486 00:23:58,280 --> 00:24:00,440 Speaker 1: much as I ought to, quite honestly. I I'm always 487 00:24:00,480 --> 00:24:03,760 Speaker 1: feeling guilty about not spending enough time on like real 488 00:24:03,840 --> 00:24:06,760 Speaker 1: Tiffany life because I give so much to everybody on 489 00:24:06,800 --> 00:24:10,280 Speaker 1: the outside. So yeah, it's a lot of pressure. And I, 490 00:24:11,280 --> 00:24:12,760 Speaker 1: you know, I was like a C student. I don't 491 00:24:12,760 --> 00:24:16,479 Speaker 1: know where all this is coming from. I don't know. 492 00:24:16,640 --> 00:24:19,879 Speaker 2: I like it seems like, well, obviously you're learning a 493 00:24:19,920 --> 00:24:21,359 Speaker 2: lot on the go, and it's not like it's your 494 00:24:21,359 --> 00:24:23,960 Speaker 2: first It's not like you just started the Budgetista yesterday. 495 00:24:23,960 --> 00:24:25,680 Speaker 2: Come on, you've been doing this for a long ass time. 496 00:24:26,720 --> 00:24:29,879 Speaker 2: But I also think that just the emphasis when you're working, 497 00:24:29,960 --> 00:24:32,080 Speaker 2: when you have a team and or you're building a 498 00:24:32,119 --> 00:24:35,280 Speaker 2: team on not just paying them but then also creating 499 00:24:35,280 --> 00:24:37,400 Speaker 2: a loyal team. And one way it sounds like you're 500 00:24:37,440 --> 00:24:39,879 Speaker 2: doing that is by giving them like a stretch, like 501 00:24:39,960 --> 00:24:42,240 Speaker 2: letting them know what your vision is like for their 502 00:24:42,280 --> 00:24:45,040 Speaker 2: futures in the future of the Budgetista and you know, 503 00:24:45,359 --> 00:24:48,760 Speaker 2: or Tiffany Incorporated or whatever it's going to be, and 504 00:24:49,320 --> 00:24:51,760 Speaker 2: how they fit into that overall picture. Because that's something 505 00:24:51,800 --> 00:24:54,120 Speaker 2: that that's something that drives me every day at my job. 506 00:24:54,200 --> 00:24:56,400 Speaker 2: Is not just the paycheck that I get. I mean, 507 00:24:56,440 --> 00:24:59,160 Speaker 2: that's nice, but it's also the fact that I'm constantly 508 00:24:59,200 --> 00:25:03,760 Speaker 2: being challenged, fact that you know, my my my boss 509 00:25:03,800 --> 00:25:07,320 Speaker 2: and manager keeps me in the loop about what's coming up, 510 00:25:07,320 --> 00:25:09,560 Speaker 2: that coming down the road and what I can expect, 511 00:25:09,560 --> 00:25:12,800 Speaker 2: and that motivates me. And it's not always just tied 512 00:25:12,840 --> 00:25:16,080 Speaker 2: to pay. And also I think it creates loyalty, especially 513 00:25:16,119 --> 00:25:18,399 Speaker 2: in this job market, Like there's articles in the paper 514 00:25:18,400 --> 00:25:20,560 Speaker 2: about how some employers can't even get people to show 515 00:25:20,600 --> 00:25:23,200 Speaker 2: up for interviews because the job market is so good 516 00:25:23,320 --> 00:25:25,840 Speaker 2: right now, people are just not showing up. They can 517 00:25:25,960 --> 00:25:28,560 Speaker 2: take any job that they want. I mean some places 518 00:25:28,560 --> 00:25:31,680 Speaker 2: they can't even fill positions because everyone is so highly 519 00:25:31,800 --> 00:25:34,000 Speaker 2: educated now, or there's just all these jobs out there, 520 00:25:34,000 --> 00:25:37,480 Speaker 2: so it's it's it's definitely like an employee an employees 521 00:25:37,600 --> 00:25:40,840 Speaker 2: market at this point in time all that. Oh yeah, yeah, 522 00:25:40,880 --> 00:25:42,879 Speaker 2: it seems I mean, I don't think in all industries, 523 00:25:42,920 --> 00:25:46,960 Speaker 2: but personally, I know I've struggled to hire editors and 524 00:25:47,000 --> 00:25:49,560 Speaker 2: writers when I've had open positions because it seems like 525 00:25:49,640 --> 00:25:51,879 Speaker 2: everyone in their mom is hiring a content team right 526 00:25:51,960 --> 00:25:54,320 Speaker 2: now to do to writing, to you know, to be 527 00:25:54,320 --> 00:25:56,240 Speaker 2: a writer and editor. And I've had so many headhunters 528 00:25:56,280 --> 00:26:00,640 Speaker 2: reach out to me about open executive editor positions at 529 00:26:00,640 --> 00:26:05,240 Speaker 2: other at other companies, and I'm like, oh, well, I'm fine. 530 00:26:06,040 --> 00:26:09,119 Speaker 2: It just seems like, yeah, the judge, the economy is 531 00:26:09,160 --> 00:26:13,080 Speaker 2: doing really well and people are hiring, so to retain employees, 532 00:26:13,119 --> 00:26:15,600 Speaker 2: it takes so much more. That's why you see these 533 00:26:15,640 --> 00:26:17,920 Speaker 2: companies have to compete. I mean, that's why you see 534 00:26:17,960 --> 00:26:22,600 Speaker 2: these companies offering crazy maternity and family lief benefits now, 535 00:26:22,640 --> 00:26:25,160 Speaker 2: because not because they have to, obviously, they don't because 536 00:26:25,200 --> 00:26:28,720 Speaker 2: not the federal government requires it, but as a recruitment effort, 537 00:26:28,960 --> 00:26:32,760 Speaker 2: you know, conference budgets like extra stuff, the sprinkles, the 538 00:26:33,320 --> 00:26:34,840 Speaker 2: you know, and as it and I'm talking to anyone 539 00:26:34,840 --> 00:26:37,359 Speaker 2: who's a full time employee, I mean, I think that's 540 00:26:37,640 --> 00:26:40,159 Speaker 2: you have to look at those tangential benefits and if 541 00:26:40,160 --> 00:26:42,840 Speaker 2: you're not getting them from an employer, start looking elsewhere 542 00:26:42,920 --> 00:26:45,840 Speaker 2: or start asking for them, or you know, it's you know, 543 00:26:45,880 --> 00:26:48,160 Speaker 2: if you're an employee, excuse me, if you're an employer 544 00:26:48,160 --> 00:26:51,000 Speaker 2: and not finding other ways to add value to your 545 00:26:51,080 --> 00:26:54,560 Speaker 2: employees experience. You can't take for granted that they're just 546 00:26:54,600 --> 00:26:57,560 Speaker 2: going to show up because they need a paycheck, you know. 547 00:26:57,560 --> 00:26:59,120 Speaker 1: Because they can get a paycheck anywhere. 548 00:26:59,440 --> 00:27:02,080 Speaker 2: And these days, yeah, these days, wow, it's not too 549 00:27:02,160 --> 00:27:04,520 Speaker 2: it's not twenty ten anymore, where everyone's just like begging 550 00:27:04,560 --> 00:27:07,160 Speaker 2: for whatever. When a Mandy Woodroff was willing to take 551 00:27:07,160 --> 00:27:09,280 Speaker 2: a ten thousand dollars paycheck just to get any job. 552 00:27:10,480 --> 00:27:12,640 Speaker 2: Those days are gone, at least for the time being. 553 00:27:13,440 --> 00:27:17,600 Speaker 2: And it's super difficult to recruit as managers out there. 554 00:27:17,640 --> 00:27:19,600 Speaker 2: So if you've got a good loyal team, they're worth 555 00:27:19,720 --> 00:27:20,359 Speaker 2: like gold. 556 00:27:20,560 --> 00:27:24,280 Speaker 1: There are and honestly, our team is like magic Mandy. Honestly, 557 00:27:24,320 --> 00:27:26,159 Speaker 1: there's there's not a day that doesn't go by that 558 00:27:26,200 --> 00:27:28,880 Speaker 1: I don't shake my head. And I'm not like, yo, 559 00:27:28,920 --> 00:27:32,560 Speaker 1: how everyone is so dope? Like what I think of, 560 00:27:32,720 --> 00:27:35,600 Speaker 1: Like Sylvia who helps me to manage the Facebook group. 561 00:27:35,600 --> 00:27:38,520 Speaker 1: It's three hundred and fifty thousand women with all these 562 00:27:38,560 --> 00:27:41,360 Speaker 1: different mindsets and egos and this and that, and Sylvia 563 00:27:41,600 --> 00:27:44,720 Speaker 1: manages it with like grace and poise and humor. And 564 00:27:45,200 --> 00:27:48,080 Speaker 1: when like one time she switched positions to something else 565 00:27:48,119 --> 00:27:50,280 Speaker 1: in the in the group fell apart in like three days, 566 00:27:50,760 --> 00:27:55,040 Speaker 1: and I was like Sylvia, and she is just hilarious 567 00:27:55,040 --> 00:27:58,840 Speaker 1: and funny. And somehow, because literally the face Facebook, social 568 00:27:58,880 --> 00:28:02,280 Speaker 1: media can be very place, and somehow she keeps that 569 00:28:02,359 --> 00:28:06,120 Speaker 1: place light and when she's there, the negativity is down 570 00:28:06,160 --> 00:28:09,000 Speaker 1: to next to nothing. And I'm like wow. And you know, 571 00:28:09,119 --> 00:28:11,159 Speaker 1: I think about yad aleast when she came out. She 572 00:28:11,200 --> 00:28:14,280 Speaker 1: was an intern. She's like twenty, like twenty three, twenty 573 00:28:14,280 --> 00:28:17,200 Speaker 1: four years old, and she was like her millennial eyes 574 00:28:17,240 --> 00:28:19,960 Speaker 1: were like, why do courses look like this? This is 575 00:28:20,000 --> 00:28:22,640 Speaker 1: not it's not cute, it's not it's not easy to navigate. 576 00:28:22,760 --> 00:28:25,200 Speaker 1: And she came and totally transformed the way we deliver 577 00:28:25,960 --> 00:28:29,680 Speaker 1: some of our coursework and it's beautiful now. And she's amazing. 578 00:28:29,760 --> 00:28:32,480 Speaker 1: And I think of Rachel, who like, Yo, Rachel, I've 579 00:28:32,520 --> 00:28:35,760 Speaker 1: got three companies that she manages the finances for and 580 00:28:35,800 --> 00:28:38,400 Speaker 1: somehow keeps it all together and has every number that 581 00:28:38,480 --> 00:28:40,440 Speaker 1: could ever dream of. I'm like, Rachel, what about the 582 00:28:40,520 --> 00:28:43,680 Speaker 1: on the fifth of November at two pm? How did 583 00:28:43,720 --> 00:28:43,920 Speaker 1: we do? 584 00:28:44,240 --> 00:28:44,480 Speaker 2: You know? 585 00:28:45,680 --> 00:28:47,920 Speaker 1: And she's awesome. And then like I said Danielle who 586 00:28:47,960 --> 00:28:51,280 Speaker 1: I talked about, she is also be Karen. Oh my god, 587 00:28:51,320 --> 00:28:53,520 Speaker 1: Karen is my Everybody on the team has like we 588 00:28:53,560 --> 00:28:55,560 Speaker 1: call ourselves a like a we have a buddy system 589 00:28:55,560 --> 00:28:58,200 Speaker 1: and then everyone has someone who is their buddy who 590 00:28:58,240 --> 00:29:00,000 Speaker 1: knows how to do their core deliverables just in case 591 00:29:00,080 --> 00:29:01,960 Speaker 1: they're sick or just don't feel like it, so you know, 592 00:29:01,960 --> 00:29:03,400 Speaker 1: you can hit your buddy up and say, girl, can 593 00:29:03,400 --> 00:29:06,080 Speaker 1: you help me today? So Karen is my buddy, and 594 00:29:06,160 --> 00:29:07,760 Speaker 1: so she has to know how to do all that 595 00:29:07,800 --> 00:29:09,920 Speaker 1: I know how to do, except for like the financial 596 00:29:10,000 --> 00:29:13,680 Speaker 1: education piece, like standing on stage. But so Karen is 597 00:29:13,720 --> 00:29:16,400 Speaker 1: like she just started. And when I say sometimes she's 598 00:29:16,440 --> 00:29:21,680 Speaker 1: more tivity than Tiffany. She's amazing and Jabrell, my business partner, 599 00:29:21,680 --> 00:29:24,000 Speaker 1: who I am so blessed and had. He took us 600 00:29:24,000 --> 00:29:26,080 Speaker 1: from six figures to seven figures in a matter of 601 00:29:26,160 --> 00:29:30,880 Speaker 1: a few years. And yeah, the team is I don't 602 00:29:30,880 --> 00:29:32,640 Speaker 1: even know what I would do without them, honestly, and 603 00:29:32,720 --> 00:29:36,280 Speaker 1: they worked tirelessly. I mean, I'm like, you think I 604 00:29:36,280 --> 00:29:38,280 Speaker 1: don't sleep, I'm like, do you guys sleep? And I 605 00:29:38,320 --> 00:29:40,360 Speaker 1: don't even have a kid. I mean, I have Supergirl, 606 00:29:40,400 --> 00:29:43,440 Speaker 1: but Supergirl's grown, she's like twenty five. I mean she's eleven, 607 00:29:43,480 --> 00:29:47,120 Speaker 1: but you know, girl in adult years, an eleven year 608 00:29:47,160 --> 00:29:50,560 Speaker 1: old girl as a twenty five year old man basically, 609 00:29:51,360 --> 00:29:54,239 Speaker 1: And so like, yeah, no, it's just And then at 610 00:29:54,240 --> 00:29:56,000 Speaker 1: the same time, you know, trying to renovate the house 611 00:29:56,040 --> 00:30:00,880 Speaker 1: and you know we're still newly wets all the other stuff. 612 00:30:00,880 --> 00:30:02,880 Speaker 1: But yeah, no, but that was a good I know, 613 00:30:02,920 --> 00:30:04,240 Speaker 1: that was a deep dieting. Really how much I did 614 00:30:04,360 --> 00:30:06,160 Speaker 1: get off my chest? Sorry guys for the rant. No, 615 00:30:06,160 --> 00:30:07,680 Speaker 1: no more business talk for a while. 616 00:30:08,760 --> 00:30:11,280 Speaker 2: No, I think it's so insightful and it's for me. 617 00:30:11,840 --> 00:30:14,320 Speaker 2: I mean, obviously I knew that you have such a 618 00:30:14,320 --> 00:30:16,680 Speaker 2: great mind for business, but not just business, but people first, 619 00:30:16,680 --> 00:30:19,080 Speaker 2: and that people first orientation because I've worked for a 620 00:30:19,120 --> 00:30:21,120 Speaker 2: lot of companies and a lot of different you know, 621 00:30:21,160 --> 00:30:22,840 Speaker 2: and I've seen a lot, and I feel like that 622 00:30:23,040 --> 00:30:25,400 Speaker 2: I understand why they're working so hard for you, because 623 00:30:25,480 --> 00:30:28,400 Speaker 2: you care about them and you're working just as hard 624 00:30:28,400 --> 00:30:30,080 Speaker 2: as they are, and you know, you have all the 625 00:30:30,840 --> 00:30:33,160 Speaker 2: everything I think that people will be looking for in 626 00:30:33,200 --> 00:30:36,600 Speaker 2: a like a quick growing where you can come in 627 00:30:36,640 --> 00:30:39,040 Speaker 2: on the ground floor, like be a part of something 628 00:30:39,080 --> 00:30:41,440 Speaker 2: that's growing and see that growth is so like, nothing's 629 00:30:41,480 --> 00:30:44,240 Speaker 2: more rewarding than that. So as long as you don't 630 00:30:44,240 --> 00:30:48,080 Speaker 2: screw it up, I'm kidding, I love you. 631 00:31:07,920 --> 00:31:10,360 Speaker 1: We have some awesome coquestions. 632 00:31:10,880 --> 00:31:13,680 Speaker 2: We do, got a couple questions in the inbox. All right, 633 00:31:13,720 --> 00:31:16,960 Speaker 2: So a first question comes from listener Keisha. Keisha says, 634 00:31:17,000 --> 00:31:20,160 Speaker 2: first of all three people, Tiffany started their emails with so, 635 00:31:22,400 --> 00:31:25,920 Speaker 2: and I feel like you're starting to have an impact 636 00:31:25,960 --> 00:31:26,480 Speaker 2: on the people. 637 00:31:26,880 --> 00:31:29,120 Speaker 1: Yo. That is so terrible because that is not the 638 00:31:29,120 --> 00:31:30,040 Speaker 1: way you started sending some. 639 00:31:30,400 --> 00:31:33,480 Speaker 2: Don't start saying that way. So Tiffany says, so, I 640 00:31:33,480 --> 00:31:36,600 Speaker 2: mean sorry. Keisha says, So, I am this close to 641 00:31:36,640 --> 00:31:39,000 Speaker 2: getting a student loan. I'm in graduate school and only 642 00:31:39,000 --> 00:31:41,800 Speaker 2: make enough through my assistantship. To cover my mortgage bills 643 00:31:41,840 --> 00:31:45,160 Speaker 2: and a few expenses. I don't currently have any student loans, 644 00:31:45,240 --> 00:31:46,920 Speaker 2: but I want to have a cushion, and I know 645 00:31:47,000 --> 00:31:49,440 Speaker 2: that I could pay off student loans when I graduate. 646 00:31:49,760 --> 00:31:51,840 Speaker 2: Should I get the loan or struggle to use my 647 00:31:51,880 --> 00:31:54,080 Speaker 2: credit card for the next two years until I graduate? 648 00:31:54,440 --> 00:31:57,240 Speaker 2: Are there any loans with low interest for two years? Help? 649 00:31:57,360 --> 00:31:59,480 Speaker 2: I just don't want to ask my mom for help. 650 00:32:01,280 --> 00:32:01,800 Speaker 1: He's a girl. 651 00:32:03,120 --> 00:32:05,680 Speaker 2: Good question. So pros and cons of taking out student 652 00:32:05,720 --> 00:32:07,120 Speaker 2: loans for I know a lot of people who go 653 00:32:07,160 --> 00:32:09,520 Speaker 2: to grad school or you know, and and use student 654 00:32:09,560 --> 00:32:12,200 Speaker 2: loans for living expenses, not just for you know, to 655 00:32:12,200 --> 00:32:14,920 Speaker 2: pay their tuition or whatnot. But yeah, the pros and 656 00:32:14,960 --> 00:32:19,160 Speaker 2: cons of doing that versus relying on credit cards. 657 00:32:19,280 --> 00:32:22,160 Speaker 1: Yeah, I mean, but like she said her she has 658 00:32:22,200 --> 00:32:23,800 Speaker 1: an assistantship at at the school. 659 00:32:24,080 --> 00:32:28,440 Speaker 2: Yeah, so she's she's obviously she's like a TA and 660 00:32:28,520 --> 00:32:32,400 Speaker 2: she has enough earnings from that assistanship position to cover 661 00:32:32,440 --> 00:32:34,680 Speaker 2: her mortgage bills. So like the essential, So she's good. 662 00:32:34,680 --> 00:32:38,480 Speaker 2: It sounds like what she's looking for as a cushion, okay, 663 00:32:38,600 --> 00:32:40,640 Speaker 2: And she sounds pretty sure of herself that she'll be 664 00:32:40,680 --> 00:32:42,680 Speaker 2: able to pay it off. When she graduates. 665 00:32:43,680 --> 00:32:47,640 Speaker 1: Yeah, we're all sure of ourselves. Like I say this 666 00:32:47,760 --> 00:32:51,800 Speaker 1: that like, I mean, well, here's the thing. I mean. 667 00:32:51,840 --> 00:32:54,640 Speaker 1: If you're saying student loans versus putting everything on a 668 00:32:54,680 --> 00:32:57,800 Speaker 1: credit card card, that's one thing. But if you're saying 669 00:32:57,800 --> 00:33:01,280 Speaker 1: student loans versus I just have to live tight for 670 00:33:01,880 --> 00:33:03,960 Speaker 1: you know, two or three years, that's another thing. I 671 00:33:04,200 --> 00:33:06,640 Speaker 1: don't want you to choose credit cards over student loans 672 00:33:06,640 --> 00:33:09,320 Speaker 1: because honestly, I'm I'm assuming the credit card interest rate 673 00:33:09,440 --> 00:33:12,040 Speaker 1: is gonna be higher than the student loans on interest rate. 674 00:33:12,520 --> 00:33:14,959 Speaker 1: You know, Like if you're gonna borrow anyway, I wouldn't 675 00:33:15,000 --> 00:33:17,960 Speaker 1: choose a credit card, you know. But if you're saying 676 00:33:18,000 --> 00:33:21,080 Speaker 1: I could do it, it would just be really tight, honestly, 677 00:33:21,760 --> 00:33:24,920 Speaker 1: like knowing what I know now, because I didn't. My 678 00:33:25,480 --> 00:33:27,800 Speaker 1: undergrad student loans were like next to nothing. I think 679 00:33:28,600 --> 00:33:30,120 Speaker 1: it was all a sudden that maybe like a fifteen 680 00:33:30,200 --> 00:33:32,280 Speaker 1: hundred I had to pay off because my parents paid 681 00:33:32,280 --> 00:33:34,160 Speaker 1: for a lot of it. But then I went on 682 00:33:34,200 --> 00:33:37,120 Speaker 1: to get my I went to graduate school and I 683 00:33:37,160 --> 00:33:40,120 Speaker 1: got like a real grown women suitent loans. Fifty thousand 684 00:33:40,120 --> 00:33:43,360 Speaker 1: dollars later, I have not you know, I wasn't well 685 00:33:43,600 --> 00:33:46,440 Speaker 1: they've now since been paid off, but I wasn't able 686 00:33:46,480 --> 00:33:48,280 Speaker 1: to pay them off right away because the things happen 687 00:33:48,360 --> 00:33:51,560 Speaker 1: in the economy that we're out of my control. Yeah, 688 00:33:51,600 --> 00:33:56,360 Speaker 1: so I if you absolutely cannot make it without some 689 00:33:56,400 --> 00:33:58,400 Speaker 1: sort of loan, then I would look into it. But 690 00:33:58,440 --> 00:34:01,000 Speaker 1: if you can, then I I would try to not 691 00:34:01,120 --> 00:34:04,200 Speaker 1: get any loan and not relying on credit cards because 692 00:34:04,280 --> 00:34:06,400 Speaker 1: those Yeah, that's not a good idea either. 693 00:34:06,960 --> 00:34:09,680 Speaker 2: I mean scrimp, I would say, scrimp, scramp, scrimp, and 694 00:34:09,800 --> 00:34:12,759 Speaker 2: just but you know, try and lasts as long as 695 00:34:12,760 --> 00:34:14,840 Speaker 2: you can without student loans. If you're meeting your monthly 696 00:34:14,880 --> 00:34:18,759 Speaker 2: debt obligate or your monthly expense obligations, and you have 697 00:34:18,920 --> 00:34:21,560 Speaker 2: enough for food and for the essentials, then I don't 698 00:34:21,600 --> 00:34:24,120 Speaker 2: think it's necessary to lean on student loans, even if 699 00:34:24,120 --> 00:34:28,600 Speaker 2: you want a cushion. The only like, so let's just 700 00:34:28,600 --> 00:34:30,480 Speaker 2: look at the number. So right now, if you were 701 00:34:30,520 --> 00:34:33,640 Speaker 2: to take out unsubsidized student loan federal student loan for 702 00:34:33,719 --> 00:34:36,160 Speaker 2: grad school, the interest rates the fixed interest rate is 703 00:34:36,200 --> 00:34:40,160 Speaker 2: six point six percent for twenty eighteen twenty nineteen, and 704 00:34:40,680 --> 00:34:43,560 Speaker 2: that's significantly lower than credit card debt. Obviously, So if 705 00:34:43,560 --> 00:34:46,000 Speaker 2: you're looking like apples to apple, apples to oranges, you 706 00:34:46,040 --> 00:34:49,880 Speaker 2: know which one's a better idea. Yes, a federal student 707 00:34:49,920 --> 00:34:52,920 Speaker 2: loan is a low interest form of borrowing. But if 708 00:34:52,960 --> 00:34:55,719 Speaker 2: you can avoid borrowing altogether, how much better is that? 709 00:34:56,360 --> 00:34:57,080 Speaker 1: Yeah? Nope. 710 00:34:58,120 --> 00:34:59,520 Speaker 2: And if you're going to borrow, I mean, if you 711 00:34:59,520 --> 00:35:02,080 Speaker 2: decide to, I mean, ultimately it's your decision. But I 712 00:35:02,120 --> 00:35:05,000 Speaker 2: think you're maxed out at borrowing up to what like 713 00:35:05,120 --> 00:35:10,040 Speaker 2: twenty thousand dollars per year. This is just for federal loans, 714 00:35:10,080 --> 00:35:12,239 Speaker 2: I mean, if you're thinking about getting a private loan, 715 00:35:12,320 --> 00:35:14,560 Speaker 2: here's what do not do not do not do not. 716 00:35:14,640 --> 00:35:17,239 Speaker 2: There are federal student loans available for grad school and 717 00:35:17,280 --> 00:35:19,000 Speaker 2: you want to max out your federal aid before you 718 00:35:19,000 --> 00:35:22,480 Speaker 2: even think about going to private school. Debt first and foremost, 719 00:35:22,480 --> 00:35:25,640 Speaker 2: But federal student loans you should be able to get about. 720 00:35:25,880 --> 00:35:28,040 Speaker 2: You could get up potentially up to twenty thousand dollars 721 00:35:28,040 --> 00:35:32,080 Speaker 2: per year for grad school, but you may not need 722 00:35:32,120 --> 00:35:35,239 Speaker 2: that much, So don't take it just because you're eligible 723 00:35:35,280 --> 00:35:38,080 Speaker 2: for it. It's what I'll say. You know, if you 724 00:35:38,160 --> 00:35:40,720 Speaker 2: really only want a cushion, you only need a few months. 725 00:35:40,760 --> 00:35:43,160 Speaker 2: If you're just looking for an emergency fund of some kind, 726 00:35:44,000 --> 00:35:45,480 Speaker 2: then you may just want to think, Okay, what do 727 00:35:45,560 --> 00:35:47,520 Speaker 2: I need to live for a few months, and then 728 00:35:47,560 --> 00:35:52,360 Speaker 2: that's the max that you borrow to be to be 729 00:35:52,440 --> 00:35:55,120 Speaker 2: your source of emergency fund while you're in school. It's 730 00:35:55,120 --> 00:35:57,480 Speaker 2: only two years, you. 731 00:35:57,480 --> 00:36:01,400 Speaker 1: Know, yeah, yeah, because it could a lifetime of student 732 00:36:01,440 --> 00:36:03,440 Speaker 1: loans are something else. Like I one of the things 733 00:36:03,760 --> 00:36:07,640 Speaker 1: I want for Supergirl is to make sure she doesn't 734 00:36:07,680 --> 00:36:10,920 Speaker 1: have them, because it's just this like anchor around your 735 00:36:10,960 --> 00:36:13,600 Speaker 1: neck and you're not able to You're not able to 736 00:36:13,640 --> 00:36:17,120 Speaker 1: sail away with this amount of debt dragging you back. 737 00:36:17,160 --> 00:36:20,759 Speaker 1: And knowing what I know now, I would not have 738 00:36:20,920 --> 00:36:22,719 Speaker 1: one taken out as much as I did, and too, 739 00:36:22,719 --> 00:36:25,839 Speaker 1: I would have found some alternatives before, you know, going 740 00:36:25,840 --> 00:36:27,359 Speaker 1: for a student loans. One thing I did do, Mandy, though, 741 00:36:27,400 --> 00:36:29,320 Speaker 1: like you said, is like my student loans for graduate 742 00:36:29,320 --> 00:36:32,120 Speaker 1: school were federal student loans, say goodness, And I didn't 743 00:36:32,120 --> 00:36:33,320 Speaker 1: get private student loans. 744 00:36:33,840 --> 00:36:36,480 Speaker 2: Yeah. You know, some people just skip over federal altogether. 745 00:36:36,560 --> 00:36:38,680 Speaker 2: They think, oh, I'm in grad school, now you know, 746 00:36:39,000 --> 00:36:40,440 Speaker 2: new rules apply. And I got to go to the 747 00:36:40,440 --> 00:36:42,440 Speaker 2: bank down the street, to like Wells Fargo or whatever 748 00:36:42,480 --> 00:36:44,040 Speaker 2: and just take out a private loan. And of course 749 00:36:44,080 --> 00:36:45,759 Speaker 2: these banks aren't going to be like, oh, you know, 750 00:36:45,840 --> 00:36:49,839 Speaker 2: you're eligible for all this federal student loan you know 751 00:36:49,920 --> 00:36:52,120 Speaker 2: money instead of course not, They're just going to take 752 00:36:52,120 --> 00:36:53,920 Speaker 2: your money and laugh all the way to the bank. 753 00:36:54,000 --> 00:36:56,200 Speaker 2: And of course they'll have higher interest rates than what 754 00:36:56,239 --> 00:36:59,440 Speaker 2: you can find through federal loans, but definitely, and you 755 00:36:59,440 --> 00:37:01,399 Speaker 2: have to fill out the FASTPA to see if you're 756 00:37:01,440 --> 00:37:04,319 Speaker 2: eligible the same way you did an the same way 757 00:37:04,320 --> 00:37:06,759 Speaker 2: you might have done an undergrad to see how much 758 00:37:06,800 --> 00:37:10,439 Speaker 2: federal aid, which includes federal loans, you may qualify for. 759 00:37:10,880 --> 00:37:12,960 Speaker 2: And I don't, I can't, I don't know this. I'm 760 00:37:12,960 --> 00:37:15,600 Speaker 2: not an expert in this, but the FASTPA is also 761 00:37:15,640 --> 00:37:17,960 Speaker 2: a way to see if you're eligible for federal grants 762 00:37:18,920 --> 00:37:22,880 Speaker 2: or other sort of aid options that may be offer 763 00:37:22,920 --> 00:37:25,320 Speaker 2: it maybe possible for you to take advantage of that 764 00:37:25,400 --> 00:37:27,279 Speaker 2: may help you the same way that you're looking for 765 00:37:27,320 --> 00:37:30,440 Speaker 2: a loan to help you with extra expenses. So it 766 00:37:30,480 --> 00:37:32,399 Speaker 2: may be worth just filling out the FASTA to see 767 00:37:32,440 --> 00:37:36,080 Speaker 2: what types of aid you qualify for in addition to 768 00:37:36,080 --> 00:37:38,040 Speaker 2: to you know, traditional student loan. 769 00:37:37,920 --> 00:37:43,080 Speaker 1: Aid, Yeah, no, for sure, and yeah I'm struggling for 770 00:37:43,080 --> 00:37:45,399 Speaker 1: a little bit, so you can soar for a lot 771 00:37:45,719 --> 00:37:46,640 Speaker 1: is it's worth it. 772 00:37:47,160 --> 00:37:49,480 Speaker 2: I thank God for the days I struggled man just 773 00:37:49,520 --> 00:37:51,759 Speaker 2: making my seven dollars an hour at Col's. I didn't 774 00:37:51,760 --> 00:37:53,799 Speaker 2: know any better, But I'm glad I didn't know any better, 775 00:37:53,960 --> 00:37:56,040 Speaker 2: because that's the reason I Elyn graduated with seven thousand 776 00:37:56,080 --> 00:37:56,680 Speaker 2: dollars in debt. 777 00:37:58,040 --> 00:38:00,800 Speaker 1: Yeah. Sometimes sometimes ignorance truly is bliss. 778 00:38:02,800 --> 00:38:05,719 Speaker 2: Okay, let's do one more question real quick. So this 779 00:38:05,840 --> 00:38:10,560 Speaker 2: comes from an anonymous listener says, I love both of 780 00:38:10,640 --> 00:38:13,440 Speaker 2: your your lady's advice. I've been using it and it works. 781 00:38:13,480 --> 00:38:13,799 Speaker 2: Thank you. 782 00:38:14,840 --> 00:38:15,280 Speaker 1: She says. 783 00:38:15,320 --> 00:38:18,799 Speaker 2: Okay, I only have one one debt right now, and 784 00:38:18,840 --> 00:38:22,160 Speaker 2: that's a Discover card. Discovered credit card with a twelve 785 00:38:22,200 --> 00:38:27,439 Speaker 2: thousand dollars limit. I owe eleven thousand dollars. Number one. 786 00:38:27,480 --> 00:38:29,600 Speaker 2: I was wondering if I should use my visa that 787 00:38:29,640 --> 00:38:32,200 Speaker 2: has a two thousand dollars limit with no fee to 788 00:38:32,200 --> 00:38:36,080 Speaker 2: do a balance transfer and transfer some of my Discover 789 00:38:36,160 --> 00:38:39,440 Speaker 2: card debt onto that card. Number two. Discover has a 790 00:38:39,440 --> 00:38:42,520 Speaker 2: plan where for a year, for no fee and no interest, 791 00:38:42,560 --> 00:38:44,279 Speaker 2: I can pay as much as possible in that year 792 00:38:44,320 --> 00:38:46,120 Speaker 2: on my card. The only thing is that for that 793 00:38:46,200 --> 00:38:48,120 Speaker 2: year I can't use the card and I can only 794 00:38:48,120 --> 00:38:51,799 Speaker 2: do this maybe once every other year, which is the 795 00:38:51,800 --> 00:38:53,600 Speaker 2: best option. I want to do the right thing and 796 00:38:53,640 --> 00:38:56,480 Speaker 2: get much and get as much paid off this Discover 797 00:38:56,560 --> 00:38:59,760 Speaker 2: card as I can in a year. So she's almost 798 00:39:00,200 --> 00:39:02,440 Speaker 2: out this Discover card and she's wondering if she should 799 00:39:02,600 --> 00:39:04,879 Speaker 2: try and do a balance transfer with this little Visa 800 00:39:04,920 --> 00:39:07,680 Speaker 2: card that she has with two thousand dollars limit and 801 00:39:07,719 --> 00:39:10,160 Speaker 2: then enroll in this Discover This is an interesting and 802 00:39:10,200 --> 00:39:11,960 Speaker 2: I mean, I've never heard of this Discover plan, but 803 00:39:12,320 --> 00:39:15,200 Speaker 2: either if they're seriously going to give you a year 804 00:39:15,320 --> 00:39:17,719 Speaker 2: to pay off your card with no interest so long 805 00:39:18,120 --> 00:39:20,200 Speaker 2: all you have to do is agree not to spend 806 00:39:20,239 --> 00:39:22,319 Speaker 2: any money on it, Yes, do that. 807 00:39:23,680 --> 00:39:26,640 Speaker 1: I'll take that for eleven thousand, Alex. 808 00:39:27,120 --> 00:39:29,040 Speaker 2: Yeah, I'm like I need to look into this program 809 00:39:29,080 --> 00:39:30,640 Speaker 2: because that's pretty fantastic. 810 00:39:30,760 --> 00:39:30,920 Speaker 1: Yeah. 811 00:39:30,960 --> 00:39:32,920 Speaker 2: I would go with that, and I would pay it 812 00:39:32,960 --> 00:39:36,080 Speaker 2: down as fast as humanly possible because you're like maxing 813 00:39:36,120 --> 00:39:38,560 Speaker 2: it out. That's that's no bueno. That's really dragging down 814 00:39:38,560 --> 00:39:40,920 Speaker 2: your credit score, especially if it's one of the only 815 00:39:41,680 --> 00:39:42,840 Speaker 2: credit cards that you have. 816 00:39:43,840 --> 00:39:46,040 Speaker 1: Because thirty percent of your credit score is your utilization, 817 00:39:46,280 --> 00:39:48,960 Speaker 1: Like how much of your credit allotted to you? Are 818 00:39:49,000 --> 00:39:52,800 Speaker 1: you actually using that's almost one third of your score. 819 00:39:53,320 --> 00:39:57,080 Speaker 1: And so no, I think because basically what you're it's 820 00:39:57,120 --> 00:40:00,040 Speaker 1: almost like Discover is it's like doing a but the 821 00:40:00,040 --> 00:40:02,800 Speaker 1: balance transfer card is going to do without the balance transfer, 822 00:40:03,320 --> 00:40:07,480 Speaker 1: which is the opportunity to pay down your debt without interest. 823 00:40:07,880 --> 00:40:11,040 Speaker 1: So there's no need to make that transfer, especially since 824 00:40:11,080 --> 00:40:13,360 Speaker 1: the transfer would only be because what are you going 825 00:40:13,400 --> 00:40:15,279 Speaker 1: to transfer two thousands? And then we maxed down on 826 00:40:15,320 --> 00:40:18,279 Speaker 1: the second card, you know, so if Discover has that, 827 00:40:18,560 --> 00:40:22,120 Speaker 1: go for it. And then it's actually a really good 828 00:40:22,200 --> 00:40:23,839 Speaker 1: thing that they're like, and you can't use the card, 829 00:40:23,920 --> 00:40:27,080 Speaker 1: Oh that's excellent. Put that card up, cut it up, 830 00:40:27,160 --> 00:40:29,400 Speaker 1: and just focus on paying it off. I remember I 831 00:40:29,400 --> 00:40:31,040 Speaker 1: literally at one point have you ever done this, Mandy? 832 00:40:31,040 --> 00:40:32,680 Speaker 1: When you're like you have to really take a look 833 00:40:32,719 --> 00:40:33,920 Speaker 1: at yourself in the mirror and you're like what are 834 00:40:33,920 --> 00:40:36,359 Speaker 1: you doing and you just have to cut your card up? 835 00:40:36,400 --> 00:40:38,680 Speaker 1: I was like, what are we doing? Tiffany? So I like, 836 00:40:39,200 --> 00:40:41,480 Speaker 1: you are in a ditch. You have to shovel in 837 00:40:41,560 --> 00:40:44,560 Speaker 1: your hand, and you're still digging. So I finally had 838 00:40:44,560 --> 00:40:46,319 Speaker 1: to put my shovel down, which is my credit card, 839 00:40:46,360 --> 00:40:48,520 Speaker 1: and I honestly I put it away, and for like 840 00:40:48,600 --> 00:40:51,920 Speaker 1: six months to almost a year, I didn't use any 841 00:40:52,080 --> 00:40:54,399 Speaker 1: credit because I was trying to dig my way out 842 00:40:54,400 --> 00:40:56,520 Speaker 1: of debt while still digging my way into a hole. 843 00:40:57,000 --> 00:40:59,120 Speaker 1: And so there's nothing wrong with saying I'm going to 844 00:40:59,160 --> 00:41:00,000 Speaker 1: put the shovel down. 845 00:41:00,880 --> 00:41:02,759 Speaker 2: All right, Well, thank you guys for your questions. Again. 846 00:41:02,760 --> 00:41:07,160 Speaker 2: You can hit us up at Brannambition podcast dot com. Nope, okay, 847 00:41:07,600 --> 00:41:14,080 Speaker 2: and leave us click click ask us anything, Come on, 848 00:41:14,200 --> 00:41:16,640 Speaker 2: come on, come on so easy. Click ask us anything 849 00:41:16,719 --> 00:41:18,520 Speaker 2: on the website to shoot us a note, or you 850 00:41:18,600 --> 00:41:21,360 Speaker 2: can hit us up directly at Briandnambition Podcast at gmail 851 00:41:21,400 --> 00:41:27,080 Speaker 2: dot com. Oh well, half hearted, but it's okay. You 852 00:41:27,120 --> 00:41:29,920 Speaker 2: got it in the end. And if you what I'll 853 00:41:29,960 --> 00:41:31,759 Speaker 2: say is, if you want to be anonymous, please let 854 00:41:31,760 --> 00:41:33,680 Speaker 2: me know put it in big bold fonts. If I 855 00:41:33,680 --> 00:41:35,799 Speaker 2: don't put you on blast on the podcast, I try 856 00:41:35,840 --> 00:41:37,640 Speaker 2: not to do that, so let me know. If you 857 00:41:37,680 --> 00:41:40,960 Speaker 2: want to remain anonymous, that's perfectly fine. And uh, that's 858 00:41:40,960 --> 00:41:41,840 Speaker 2: how you reach us. 859 00:41:42,400 --> 00:41:45,759 Speaker 1: Yes, I cannot wait, oh so really quickly because I 860 00:41:45,800 --> 00:41:47,920 Speaker 1: don't want you guys to miss out because by the 861 00:41:47,920 --> 00:41:49,719 Speaker 1: time it comes out. So one of the things we're 862 00:41:49,719 --> 00:41:54,160 Speaker 1: doing with the Literature Academy totally revamped it because the 863 00:41:54,200 --> 00:41:56,080 Speaker 1: teacher in me was like, this is not as easy 864 00:41:56,080 --> 00:41:58,279 Speaker 1: to use as it could be. So we totally revamped it. 865 00:41:58,800 --> 00:42:00,840 Speaker 1: We didn't raise a price or anything. I just wanted 866 00:42:00,840 --> 00:42:03,359 Speaker 1: it to be better. And so what we're doing is, 867 00:42:03,440 --> 00:42:06,080 Speaker 1: and like I said, special like, hey, yay, we revamped 868 00:42:06,080 --> 00:42:09,120 Speaker 1: it to make it better. We're for new students. If 869 00:42:09,160 --> 00:42:11,960 Speaker 1: you sign up and you join us, it is we're 870 00:42:11,960 --> 00:42:14,319 Speaker 1: giving you the first month free just to basically to 871 00:42:14,320 --> 00:42:16,759 Speaker 1: try it out. So if you like it and then 872 00:42:16,920 --> 00:42:18,800 Speaker 1: you know, because like I said, it's my mission to 873 00:42:19,719 --> 00:42:21,680 Speaker 1: take us from the budgeting and saving to really the 874 00:42:21,719 --> 00:42:24,640 Speaker 1: next level. And the only thing is that it's only 875 00:42:24,719 --> 00:42:27,640 Speaker 1: free until for like I think you only have the 876 00:42:27,640 --> 00:42:29,840 Speaker 1: opportunity to like Sunday or Saturday or something. So I 877 00:42:29,880 --> 00:42:31,600 Speaker 1: just wanted to share that. So if you wanted to 878 00:42:31,640 --> 00:42:34,680 Speaker 1: learn more, you can go to join l R A 879 00:42:34,880 --> 00:42:37,840 Speaker 1: for Literature Academy dot com. That's join LRA dot com. 880 00:42:38,160 --> 00:42:40,759 Speaker 1: And yeah, I mean, it doesn't hurt you try it 881 00:42:40,800 --> 00:42:42,560 Speaker 1: for free. You don't like it, then you can leave us. 882 00:42:43,960 --> 00:42:45,880 Speaker 2: No shade, Okay, I'm going to put a link to 883 00:42:45,960 --> 00:42:49,040 Speaker 2: that in the show notes. For you guys wanting to 884 00:42:49,560 --> 00:42:51,000 Speaker 2: sign up, that's dope. 885 00:42:51,840 --> 00:42:53,759 Speaker 1: Yeah, you know, we're a talking out here, trying to 886 00:42:53,800 --> 00:43:03,799 Speaker 1: change this world.