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Speaker 1: Hey, ba fan, Mandy here or Mandra, you can call

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Speaker 1: me Mandra, that's fine. I have a simple request for you, guys.

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Speaker 1: We get so many questions on how you can support

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Speaker 1: the show, and there's really a very very simple thing

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Speaker 1: that we need you guys to do. Open up this app,

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Speaker 1: open up wherever you're listening to this podcast right now,

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Speaker 1: and subscribe if you have the ability, especially those of

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Speaker 1: you who are on iTunes. We're really making a push

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Speaker 1: to get the show more visible. You've seen that we've

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Speaker 1: partnered with a fabulous new network called Westwood One. But

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Speaker 1: we also need the support of our listeners. So if

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Speaker 1: you are a listener, a loyal listener, please subscribe, And

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Speaker 1: if you haven't yet, take a few seconds and leave

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Speaker 1: a five star review, and even a written review would

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Speaker 1: be the icing on the cake. But at least subscribe,

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Speaker 1: leave us a five star review, and continue to support

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Speaker 1: this show. This is so so crucial. It is basically

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Speaker 1: how we tell the Internet that our podcast is worth

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Speaker 1: promoting and featuring and getting charted, and we deserve to

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Speaker 1: be at the top of the charts, just like any

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Speaker 1: other show out there. Can't do it without your support,

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Speaker 1: So thank you very very much. Subscribe, like and review

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Speaker 1: the show, and we thank you so much.

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Speaker 2: Hey.

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Speaker 3: Hey, hey, we're back.

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Speaker 2: We're black, We're bound, am bitch.

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Speaker 1: We're having a book, y'all?

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Speaker 2: What we are having a book?

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Speaker 3: I have to give you, guys the epic Hey hey, hey,

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Speaker 3: Oh my gosh, mandra Yes, this is your week.

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Speaker 2: My baby's here, my wheel's here. Oh my goodness.

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Speaker 4: Book.

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Speaker 5: I know.

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Speaker 3: It feels surreal because I went into Barnes and Nobles

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Speaker 3: today and at first I didn't see it, and then

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Speaker 3: I saw it and I was like, you know, I

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Speaker 3: don't know how to explain it, but I'll just say

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Speaker 3: this that eleven or twelve years ago whatever, Like when

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Speaker 3: my first book, One Week Budget, which I self published,

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Speaker 3: came out, I went to Barnes and Nobles and because

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Speaker 3: a friend of mine was like, I got a new camera?

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Speaker 3: Do you have pictures? And I was like, now, he's like,

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Speaker 3: you want pictures? I was like, I guess. So my

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Speaker 3: roommate at the time, because you know, sisters broke, I

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Speaker 3: was living in a room, so literally roommates at the time,

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Speaker 3: Lauren was a budding makeup artist and I was like, Lauren,

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Speaker 3: Ricky bought a camera and he said he wants to

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Speaker 3: take pictures, and he said, bring my books to Barnes

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Speaker 3: and Nobles.

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Speaker 2: I didn't know what he had in mind.

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Speaker 3: And I think, I'm going to bring my favorite almost

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Speaker 3: church dress but looks kind of professional dress.

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Speaker 2: Can you do my face? And she was like sure.

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Speaker 3: I don't know why we didn't do faces at home,

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Speaker 3: but we did it in the bathroom at Barnes and Nobles.

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Speaker 2: And I got dressed in the bathroom.

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Speaker 1: Bark's not even in the car, just in the nasty yes,

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Speaker 1: And so I came out and put like eleven books

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Speaker 1: on the shelf, and Ricky with his new big camera,

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Speaker 1: proceeded to snep.

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Speaker 3: To snap and I'm even thinking, I didn't even think,

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Speaker 3: like is this allowed? It wasn't because the manager comes

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Speaker 3: over and says, you can't do that, You cannot do that.

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Speaker 2: I was like what.

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Speaker 3: So Ricky and all his brazenness, says, keep posting. So

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Speaker 3: he's like, what we'll leave. I'm so like, just imagine

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Speaker 3: what we'll leave. I'm sorry, okay, And so I have

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Speaker 3: these pictures and I cannot wait because I'll be posting

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Speaker 3: on my social the epic how it started. And yesterday

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Speaker 3: I went to well, today I went to Barnes and

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Speaker 3: Nobles with my book legally on the bookshelves and legally

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Speaker 3: taking pictures to how it's going. So I can't wait

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Speaker 3: to put up side by side. You can see my

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Speaker 3: locks are way longer. I got, you know, a few

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Speaker 3: extra pounds on my booty.

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Speaker 2: But my book is on this shelf for real this time,

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Speaker 2: and it's my face on it. It just it still

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Speaker 2: hasn't hit because I'm not gonna lie. It still feels

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Speaker 2: like I put my book on the shelf, you know.

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Speaker 1: But you walked in there and it was just someone

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Speaker 1: else put it on their tiff. I know, I know, secretly, I.

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Speaker 2: Didn't know the lady. I asked her.

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Speaker 3: I was like, am I allowed to push these to

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Speaker 3: the front because they had them on like the third shelf.

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Speaker 2: I was like yeah, I'd like, get right here, eye level.

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Speaker 2: She was like, yes, Wait, are you the author? I

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Speaker 2: said I am, And she was like, well, you signed them.

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Speaker 2: I'm like, am I allowed? She said yeah.

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Speaker 3: She said, as a matter of fact, let me go

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Speaker 3: get stickers because we actually have stickers that say autographed.

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Speaker 2: I was like, oh, oh my goodness. So she was

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Speaker 2: so awesome.

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Speaker 3: Shout out to Laura of Barnes and Nobles in Clifton,

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Speaker 3: New Jersey. I signed the books there and she took

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Speaker 3: pictures of me signing the books. She's like, she asked

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Speaker 3: me if she could post it to our so to

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Speaker 3: their social I said absolutely, And I brought my friend

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Speaker 3: Rihanna with me. I mean, we did a whole photo shoot,

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Speaker 3: we did video, we did boomerangs, we did girl I

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Speaker 3: went live, I did.

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Speaker 2: All the things. Oh, but it just like.

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Speaker 3: It's so crazy because it's been such hard work. I mean,

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Speaker 3: y'all know I work hard, but it's a different level

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Speaker 3: of hard work pushing out this book. It was a

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Speaker 3: different level. And yet this week, because this is launch week,

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Speaker 3: it's a very important week. This week determines, you know,

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Speaker 3: you got to make New York Times bestseller. This week

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Speaker 3: determines a lot, like do people want to work with

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Speaker 3: you again? It's you know, like very few books do

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Speaker 3: poorly in the first week and then go on to greatness.

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Speaker 3: Like you know, this kind of sets the tone. And

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Speaker 3: yet I'm going into this week feeling really calm because

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Speaker 3: my team and I have already done like the work,

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Speaker 3: We've already sold thousands of thousands of thousands of books. Already,

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Speaker 3: and so I just think the audience is ready. Honestly,

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Speaker 3: I encourage you to go into Bond and Noble put

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Speaker 3: my book in the front, because don't let them play

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Speaker 3: you if my book is not on the new because

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Speaker 3: there's like there's a section that says new nonfiction. If

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Speaker 3: it's just in the regular finance or business section, be like, cis,

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Speaker 3: this is a brand book and needs to be here

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Speaker 3: because some of the Barnes and Nobles can decide where

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Speaker 3: they want to put it. But if you know, if

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Speaker 3: you ask, they will put it in the new section

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Speaker 3: because it deserves to be in the new section so

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Speaker 3: people can see. But yeah, it just feels like surreal

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Speaker 3: because you know what, Like what's best of all is

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Speaker 3: that it's a good book. And I'm usually hard on myself,

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Speaker 3: you know me, man, I'm like, yeah, I guess, like, but.

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Speaker 2: It's a good book.

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Speaker 3: I feel really proud that, like I wrote something that's

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Speaker 3: actually good and it's going to be really helpful and

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Speaker 3: it's really just going to transform people's lives. Like it's

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Speaker 3: a good book. And I was like, Tiffany, well done.

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Speaker 3: I don't know the last time I told myself well done.

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Speaker 3: And I can honestly say not the marketing, not that.

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Speaker 3: But like the book itself, I can honestly say, tiffany job,

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Speaker 3: well done, Nap.

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Speaker 1: I mean the content matters, right, And I think that

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Speaker 1: it's not just selling because I mean, of course it's

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Speaker 1: selling because you're a marketing genius and Dreamcator Nation has

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Speaker 1: always had your back and all of that. But it's

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Speaker 1: when product is good. It's good, you know, I mean,

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Speaker 1: isn't it Like where opportunity and preparation meet. That's when

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Speaker 1: the real magic happens. And I'm so excited I get

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Speaker 1: to watch it all from my comfy chair and no

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Speaker 1: pressure from land.

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Speaker 2: Well yo, well baby, what would we do if it

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Speaker 2: makes your time? That's so like what will we do?

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Speaker 5: Magic?

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Speaker 1: I've been waiting for you to tell me where I

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Speaker 1: need to show up and how many confetti poppers to bring,

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Speaker 1: and like what kind of champagne you don't like I

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Speaker 1: can drink it by myself.

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Speaker 2: I haven't. I don't even know what I would. I don't.

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Speaker 2: I just it's like my mind can't conceive. Like I'm

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Speaker 2: like ya I said.

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Speaker 1: These free school I feel like Oprah is listening in somewhere,

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Speaker 1: or the intern who works for the book. People at

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Speaker 1: Oprah Inc. Or what at Harpo and uh and own, like,

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Speaker 1: come on, y'all put a sticker on this book. If

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Speaker 1: she hasn't had a personal finance book in a long time, Yes,

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Speaker 1: in a very long time. Ever maybe not since David

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Speaker 1: Bach or Susie. Yeah, you're come, this has Oprah Oprah.

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Speaker 1: Don't let re speech who this girl. Don't let Reaes

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Speaker 1: beat you.

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Speaker 2: Oprah is a thing.

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Speaker 1: We need the Oprah's Book Club to take notice. Especially

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Speaker 1: at this moment in our country. People have been drugged,

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Speaker 1: especially black and brown people have been dragged through it

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Speaker 1: this year. I mean, this is a great a great

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Speaker 1: self to the hearts of you know a lot of

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Speaker 1: people who are feeling like we have been left behind

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Speaker 1: by this financial system and we have been left behind

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Speaker 1: in so many ways. And Tiffany, this book is like

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Speaker 1: the great equalizer. You know.

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Speaker 3: Somebody that like I was on this podcast called it.

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Speaker 3: I think it's the root. It's lit. It's a literary podcast.

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Speaker 3: And these just these two sisters who love reading and books.

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Speaker 3: And one of them gave me like the best compliments.

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Speaker 3: She was like, girl, first are one. I cried, I'm like,

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Speaker 3: what she's like, what finance book makes you cry? Not

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Speaker 3: like a cry and a hopeless but like, oh my god,

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Speaker 3: it's for me. And then she told me, she's like,

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Speaker 3: this is not nobody's finance book, Tiffany. She said, it's

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Speaker 3: equal parts memoir because you know, I share my story

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Speaker 3: because I want to normalize the financial drama and trauma. Okay,

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Speaker 3: we've all been through it. She said, equal parts guide

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Speaker 3: because it's an actual step by step this is how

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Speaker 3: you fix, maintain, grow whatever wherever you are financially. And

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Speaker 3: she said equal parts self help because it really does

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Speaker 3: help you look at where you are and learn not

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Speaker 3: to judge yourself and to be gentle and to give

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Speaker 3: yourself space and grace to grow and learn. And when

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Speaker 3: she said that, when she said like memoir, guide and

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Speaker 3: self help, I'm like, you know what, She's right, She's like,

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Speaker 3: I've never read a finance book like this before.

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Speaker 2: Tiffany.

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Speaker 3: She's like, it's like sitting with your sister girl, who's like,

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Speaker 3: all right, girl, this is the weekend. We're gonna get

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Speaker 3: our lives together. Let's walk through it together. And I

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Speaker 3: just that's what I wanted. I wanted a safe space

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Speaker 3: for our women, you know, like b A listeners, a

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Speaker 3: safe space for you to go to grow when it

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Speaker 3: came to your finances, and I just like, yeah, to

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Speaker 3: just hear from women that it was intended for saying

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Speaker 3: like that's exactly how I think elt, you know, like

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Speaker 3: it just it's just I'm like, honestly, it just feels

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Speaker 3: I don't even know, like it just feels so so

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Speaker 3: good and right. I mean and also too, I've been

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Speaker 3: working with doctor Green. Doctor Green is a miracle worker

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Speaker 3: because I'm just in such a better space now because

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Speaker 3: I can actually feel you know, remember I remember I

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Speaker 3: was feeling less like a few so I can actually think,

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Speaker 3: I know, and that's what it's feeling like. I'm like,

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Speaker 3: oh my gosh, like my synapses are waking up again.

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Speaker 3: I'm like, I feel things, but it just feels. It

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Speaker 3: just feels like really good. I'm just like, you know,

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Speaker 3: I'm like Tiffany, it's okay to say you're proud of yourself,

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Speaker 3: and I am, and just everybody that's made it happen,

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Speaker 3: the budgetist, the boosters that I tapped into. So you

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Speaker 3: know me, I don't believe in gurus and I'm not

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Speaker 3: gonna pretend to be your guru. And if I'm getting

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Speaker 3: information from someone who you know, I think is an

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Speaker 3: expert in a space, then I believe that they should

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Speaker 3: get their shine. So I made a space, like I

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Speaker 3: made it my business to reach out to people within

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Speaker 3: the Brown Ambition financetial world to say, hey, you know,

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Speaker 3: I trust you when it comes to this. Tony Moore, sister,

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Speaker 3: Georgetown graduate. I think she's got her master's and laws.

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Speaker 3: She's my attorney, and she does my she's doing my

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Speaker 3: estate plan, like girl, you are a bad mambajama, And

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Speaker 3: I don't want to pretend like I know a state

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Speaker 3: plan other than like the basics. Can you help to

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Speaker 3: pour into me so I can pour it to the people,

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Speaker 3: and then I share this is Tony. My budget needs

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Speaker 3: the booster for this chapter. She's going to be giving

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Speaker 3: us advice along the way, and so certainly you hear

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Speaker 3: my voice, but they are boosting opportunities where Tony jumps

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Speaker 3: in with her expertise, and you'll see that throughout the book.

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Speaker 3: But that was intentional because I want you the reader

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Speaker 3: to know that no one has all the answers, including me,

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Speaker 3: especially me, and that and I also do really believe

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Speaker 3: like sharing the wealth because like Sandy's in the book,

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Speaker 3: Courtney from the Ivy Investor, Kevin from Building Bread, Angelie

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Speaker 3: who I love, my cif P's in the book. You

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Speaker 3: know we love Nativa the Frugal credit Nisa Kara, the

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Speaker 3: frugal feminista with her mindset stuff, Ash Cash with his

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Speaker 3: mindset stuff. I really pulled out, like I don't know,

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Speaker 3: like just some amazing people and like because you don't

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Speaker 3: see their picture. What I love is there's gonna be

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Speaker 3: so many women who are not going to realize like

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Speaker 3: I put all these brown people in this book. Girl,

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Speaker 3: that's right, you learn it from brown folks today.

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Speaker 2: Okay, I love that. You didn't even it wasn't I

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Speaker 2: didn't even think about it.

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Speaker 3: But yes, I was just like because these are just

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Speaker 3: like the best and brightest that I know, and just

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Speaker 3: thinking about like, you know, let's normalize that they're like, huh,

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Speaker 3: the best in the brightest that I know happened to

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Speaker 3: be like amazing brown folks. I say brown because Angelie's

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Speaker 3: as Indian, although everybody else is black, and so yeah,

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Speaker 3: I just yes, let's get into.

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Speaker 1: Let's get into what people are going to get out

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Speaker 1: of this book. Yeah, so I actually went to Get

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Speaker 1: It with Money dot com and I took the financial

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Speaker 1: Wholeness checklist quiz that we're going to quiz.

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Speaker 3: Your quiz, And if you want to take the quiz,

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Speaker 3: you can. You can go to gg WM. That stands

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Speaker 3: for Get Good with Money, so ggwmquiz dot com. So

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Speaker 3: if you want to take the quiz that me and

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Speaker 3: Mandy about to talk about, you can go and take

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Speaker 3: the quiz.

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Speaker 2: It's like two minutes. You get your results, you get

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Speaker 2: your life, and then I send you like a checklist

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Speaker 2: like via email to keep with you.

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Speaker 1: I love that, Okay, So I actually did the checklist

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Speaker 1: to see how financially whole am I and I thought,

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Speaker 1: for sure, I've been talking to you for over five

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Speaker 1: years once a week, I should definitely be one hundred

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Speaker 1: percent financially whole. But I'm only eighty percent whole.

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Speaker 2: Ok that's not only. First of all, that's great.

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Speaker 1: Only eighty percent and it might be more like seventy five.

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Speaker 1: But I give my full I give myself a full check.

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Speaker 1: But let's walk through. We'll walk through each of these

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Speaker 1: and then I will reveal where I am falling short.

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Speaker 1: But the basics right budget building. So with budget building

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Speaker 1: what are we talking about here? And how in the

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Speaker 1: book does the wholeness checklist sort of play into the

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Speaker 1: overall message in the book?

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Speaker 3: So in the book I really lean into not just

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Speaker 3: like you know what you're missing, you know, but like

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Speaker 3: how do you fix it?

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Speaker 2: How do you get there? And so I want it

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Speaker 2: to be clear, like for budget building, like it literally

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Speaker 2: says like I have a written and at least partially

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Speaker 2: automated like transfer, savings bills, et cetera personal budget, and

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Speaker 2: you have the necessary checking and savings accounts to.

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Speaker 1: Support my budget.

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Speaker 2: That part is really important because you ask people do

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Speaker 2: you have a budget?

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Speaker 5: Yes?

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Speaker 2: Do you have? Is it written? Is it partially automated?

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Speaker 2: Is it you know?

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Speaker 3: Do you have do you have the appropriate appropriate amount

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Speaker 3: of bank accounts?

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Speaker 2: Okay? Sis?

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Speaker 3: And you don't really fully have a budget that's sustainable,

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Speaker 3: And so the book teaches you how to create this

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Speaker 3: sustainable at least partially automated budget, you know, because you know,

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Speaker 3: like I said, people don't really know what they don't

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Speaker 3: know when it comes to like, so what should my

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Speaker 3: budget really look like? So that's what you learn in

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Speaker 3: the book. But I'm assuming that's what you you got

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Speaker 3: to check on that you got that.

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Speaker 1: I got a check, And my favorite part of my

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Speaker 1: budget is see the fact that I only had to

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Speaker 1: do it once and then I just automatically, Yes, like

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Speaker 1: when I get my paycheck or any income, I have

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Speaker 1: automatic transfers going where they need to go, so that

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Speaker 1: when I look at my checking account, it's just money

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Speaker 1: that I know I can spend, which is my favorite

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Speaker 1: way to budget, because I don't like spreadsheets all that much. Okay,

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Speaker 1: but number two noodle budget, So save like a squirrel,

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Speaker 1: which I love this. I just picture a squirrel eating

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Speaker 1: some ramen and it's fine. But maybe a noodle budget

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Speaker 1: got a beating this year. So this past year, noodle

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Speaker 1: budgets have been beat But you're very specific about saying

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Speaker 1: not just saving for three months of necessary expenses I

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Speaker 1: eat your noodle budget, but doing it in an online

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Speaker 1: only savings account. Why online only in particular.

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Speaker 3: Well because when you when your savings is next to

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Speaker 3: your your regular checking at your brick and mortar bank,

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Speaker 3: it's so easy to make that transfer and it makes

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Speaker 3: your money too convenient that an online only savings account

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Speaker 3: one you get higher interests typically, I mean, you know,

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Speaker 3: we know likes are not the greatest right now for

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Speaker 3: savings accounts. But most importantly, it makes your money inconvenient.

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Speaker 3: If you were at Target, everybody's fave, and you're like, ooh, Target,

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Speaker 3: I want this blender even though I have a blender,

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Speaker 3: but this blender is a red blender, and you're like, Okay,

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Speaker 3: Checking accounts assists, you know we're empty. Stop your saving,

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Speaker 3: says we have money, but we're supposed to be saving

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Speaker 3: for I don't know, emergencies or saving for our house.

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Speaker 3: If your savings account is with your checking at the

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Speaker 3: same bank, that transfer is going to take seconds. If

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Speaker 3: it's at an online only bank, you're looking at minimum

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Speaker 3: twenty four hours the next day, sometimes up to seventy

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Speaker 3: two hours, depending if there's a holiday or whatever. So

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Speaker 3: online only savings makes your money inconvenient and inconvenient money

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Speaker 3: get saved absolutely.

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Speaker 1: I got a check for the hunt digging out of

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Speaker 1: debt number three. So you're either debt free or you

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Speaker 1: have a clear picture of what and who you owe

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Speaker 1: the money too. And not only that, but you've down

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Speaker 1: the components of each debt like how much you oh,

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Speaker 1: interest rates, I love how you the first part of

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Speaker 1: this one you think, oh yeah, I'm debt free. But

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Speaker 1: then you're like, that's not all I'm gonna be like,

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Speaker 1: do you have a written down? Do you know this?

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Speaker 2: Do you know that?

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Speaker 1: And you're like, yeah, no, yes, yeah. So I've also oh,

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Speaker 1: this is another one. So not just that you you

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Speaker 1: know you're digging out of debt, but also you've identified

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Speaker 1: and used a debt paydown plan or online bill tool

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Speaker 1: through your bank to automate your payments. I did get

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Speaker 1: a check for this because all I have is my mortgage.

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Speaker 3: Good And so here's the thing, Like, so first time

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Speaker 3: people debt free, that's great, but if you're not debt free,

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Speaker 3: you still can check this soft If you have you

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Speaker 3: are on, you have a plan, and I show you

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Speaker 3: multiple types of plans, like you can use the the

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Speaker 3: snowball method, the avalanche method.

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Speaker 2: I like the mix of the two.

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Speaker 3: But I even have this debt sheet in the book

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Speaker 3: that I give you in the back of the book.

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Speaker 3: But also the book comes with this toolkit that's available

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Speaker 3: at geg gos money dot com alongside the book, and

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Speaker 3: so you know, I give you the template and the

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Speaker 3: resources to lay out your debt so you can see them.

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Speaker 3: And as long as you have a plan to pay

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Speaker 3: them off, and that plan is semi automated, then you

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Speaker 3: can check this off. I don't like when it's like

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Speaker 3: you can't check it off because I'm not debt free. Well, sis,

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Speaker 3: I have a mortgage. I'm not not gonna check off

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Speaker 3: this part because you know thirty years from now, you

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Speaker 3: know that's when my mortgage will be paid off. I'm like, no,

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Speaker 3: as long as you have a plan in place and

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Speaker 3: a clear picture of your debt, you can check this

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Speaker 3: off as yep. So now, Mandy, I see, Okay, you're

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Speaker 3: at thirty percent, You've got your budget savings and your

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Speaker 3: your you at least have a debt plan.

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Speaker 1: Yes, and next one score high credit, so making sure

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Speaker 1: you have you know where to get So you've requested

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Speaker 1: and received a copy of your free FIGHTO credit report

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Speaker 1: and your score which you can get a free credit

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Speaker 1: score from just about anywhere these days, right, and that

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Speaker 1: you have at least a seven forty Why seven forty

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Speaker 1: fight Go credit score? Why is that so important?

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Speaker 3: Well, seven forty is the beginning of what's called typically

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Speaker 3: perfect credit, right, So it's not I mean eight. Well,

402
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Speaker 3: when it comes to FIGHTCO, you know the lowest is

403
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Speaker 3: three hundred highs is a fifty, but seven forty is

404
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Speaker 3: the beginning of when you can get the best interest rate.

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Speaker 3: Like when you go for a mortgage, the literally the

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Speaker 3: banker will ask you do you have a seven forty

407
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Speaker 3: or better, because that's the number that you start to

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Speaker 3: get like, oh, okay, well then you qualify for the.

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Speaker 2: Best interest rate.

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Speaker 3: Anything below then you know, it doesn't mean you won't

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Speaker 3: get a good interest rate, you just won't get the

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Speaker 3: best that's out there. So I tell people instead of

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Speaker 3: trying to stretch and reach for an eight to fifty,

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Speaker 3: which is great, but guess what, typically my seven forty

415
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Speaker 3: and you're a fifty will get me the same interest rate.

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Speaker 2: So seven forty is is. It's just it's more than

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Speaker 2: good enough.

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Speaker 1: I love it. I typically use Discover Scorecard to get

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Speaker 1: your FIGHTO, but like every banks all offer them now,

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Speaker 1: so it's really hard. And of course you can use

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Speaker 1: you know, tools like to get a credit score estimate

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Speaker 1: through credit CARDMA or things like that, but credit score

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Speaker 1: card is my jam and I am over seven forty,

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Speaker 1: okaven though yeah, I don't think about it as much.

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Speaker 1: It was very stressful with the credit you know, before

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Speaker 1: I got the mortgage. But these days I'm like, oh, okay,

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Speaker 1: I guess you know, just good to have it if

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Speaker 1: you ever need an emergency loan or something like that.

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Speaker 1: I mean, your credit score is really it's just something

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Speaker 1: to be maintained because you're gonna when you finally get

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Speaker 1: around to needing it or needing to apply for credit

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Speaker 1: or something where they check your credit. It's it's like currency,

433
00:20:23,680 --> 00:20:25,800
Speaker 1: you know, Like the Tiffa said it best.

434
00:20:26,040 --> 00:20:27,640
Speaker 3: So she said in the book That which I Love.

435
00:20:27,960 --> 00:20:30,240
Speaker 3: She said, credit is like girl, I'm gonna need you

436
00:20:30,280 --> 00:20:31,600
Speaker 3: to know me before you need me.

437
00:20:32,600 --> 00:20:35,800
Speaker 2: Yeah, that's the way credit works.

438
00:20:36,200 --> 00:20:38,280
Speaker 1: Absolutely. Okay, so I'm not forty percent.

439
00:20:38,359 --> 00:20:39,119
Speaker 2: Okay, fine.

440
00:20:39,520 --> 00:20:43,080
Speaker 1: Five Learn to earn or increase income? What's this one

441
00:20:43,119 --> 00:20:43,520
Speaker 1: all about?

442
00:20:43,880 --> 00:20:46,960
Speaker 3: So if twenty twenty taught us nothing else, is that

443
00:20:47,040 --> 00:20:49,520
Speaker 3: we have to not that you have to be making

444
00:20:49,560 --> 00:20:51,920
Speaker 3: money from multiple sources, but you should.

445
00:20:51,680 --> 00:20:53,280
Speaker 2: Know how to that way.

446
00:20:53,280 --> 00:20:55,560
Speaker 3: If you have to pivot to a different source of

447
00:20:55,600 --> 00:20:58,840
Speaker 3: income you can, or increase a secondary or a third

448
00:20:58,880 --> 00:21:00,760
Speaker 3: source of income, you can. So so I want you

449
00:21:00,760 --> 00:21:03,359
Speaker 3: to identify ways you can contribute value to your job.

450
00:21:03,800 --> 00:21:05,680
Speaker 3: If you have a job and feel confident you can

451
00:21:05,760 --> 00:21:07,800
Speaker 3: leverage them to ask for a promotion or raise. I

452
00:21:07,840 --> 00:21:09,520
Speaker 3: teach you how to do that in a book. This

453
00:21:09,560 --> 00:21:11,600
Speaker 3: is a chapter I pull in Sandy because Sandy is

454
00:21:11,640 --> 00:21:14,320
Speaker 3: like the queen of side hustles, but not just that.

455
00:21:14,600 --> 00:21:18,320
Speaker 3: You know, Sandy's been in HR for years, so she

456
00:21:18,400 --> 00:21:20,320
Speaker 3: really helped me to lean into this chapter to teach

457
00:21:20,359 --> 00:21:22,399
Speaker 3: you how best to ask for a raise and promotion

458
00:21:22,560 --> 00:21:25,840
Speaker 3: and how to prepare ahead of time. Right or also too,

459
00:21:25,920 --> 00:21:29,320
Speaker 3: if you already have multiple strains of income, you know

460
00:21:29,400 --> 00:21:31,640
Speaker 3: how to maximize them, or you know how to maximize

461
00:21:31,640 --> 00:21:33,760
Speaker 3: a skill set so you can have multiple streams of

462
00:21:33,800 --> 00:21:37,199
Speaker 3: income and you have a plan of action. If you

463
00:21:37,280 --> 00:21:40,040
Speaker 3: desire to make more money, it's really important that you

464
00:21:40,240 --> 00:21:42,840
Speaker 3: know how to earn more. It's not all about budgeting

465
00:21:42,840 --> 00:21:44,720
Speaker 3: and saving. Learning to earn its critical.

466
00:21:45,320 --> 00:21:48,560
Speaker 1: This one's my favorite, and I give myself a big check.

467
00:21:49,080 --> 00:21:52,560
Speaker 1: I mean, I did go into the pandemic with a newborn,

468
00:21:52,640 --> 00:21:54,560
Speaker 1: and like I think I was one month back on

469
00:21:54,600 --> 00:21:56,360
Speaker 1: the job before I asked for promotion and a race.

470
00:21:56,760 --> 00:21:59,159
Speaker 1: It just felt right. I don't know why. Something about

471
00:21:59,160 --> 00:22:02,080
Speaker 1: the something about that they wouldn't have seen it coming

472
00:22:02,359 --> 00:22:04,040
Speaker 1: just kind of made me want to do it, Like,

473
00:22:04,240 --> 00:22:05,800
Speaker 1: what are they gonna do. I just came back from

474
00:22:05,840 --> 00:22:07,280
Speaker 1: Matt leave, but let me let me see what they

475
00:22:07,320 --> 00:22:10,320
Speaker 1: have going on. No, I think this is great and

476
00:22:10,680 --> 00:22:13,480
Speaker 1: building the confidence to ask, So I will definitely be

477
00:22:13,560 --> 00:22:15,960
Speaker 1: checking out that chapter because it's so so important. I

478
00:22:16,040 --> 00:22:16,440
Speaker 1: love it.

479
00:22:17,119 --> 00:22:19,680
Speaker 3: And also just so you know, the first five are

480
00:22:19,880 --> 00:22:24,439
Speaker 3: like the super foundational foundation of personal finance, so like,

481
00:22:24,800 --> 00:22:29,400
Speaker 3: you know, like the the basics, budgeting, savings, debt, credit,

482
00:22:29,600 --> 00:22:30,240
Speaker 3: learn to earn.

483
00:22:30,480 --> 00:22:33,000
Speaker 2: Now we're going to go into the next tier, which

484
00:22:33,080 --> 00:22:33,879
Speaker 2: is the next five.

485
00:22:34,080 --> 00:22:36,080
Speaker 1: Wouldn't it be scary if I like didn't have any

486
00:22:36,080 --> 00:22:37,120
Speaker 1: of the top five.

487
00:22:38,040 --> 00:22:42,359
Speaker 3: That's not necessarily true, you know how we are.

488
00:22:42,400 --> 00:22:44,120
Speaker 2: We're like gotta do it.

489
00:22:44,160 --> 00:22:45,240
Speaker 1: But I like a checklist.

490
00:22:45,920 --> 00:22:46,280
Speaker 2: I know.

491
00:22:46,520 --> 00:22:49,040
Speaker 1: No, but you're right a lot of people. That's why

492
00:22:49,040 --> 00:22:51,200
Speaker 1: I like that you call it the financial wholeness checklist,

493
00:22:51,280 --> 00:22:53,560
Speaker 1: because yeah, I mean you and a lot of people

494
00:22:53,640 --> 00:22:56,040
Speaker 1: don't think about all this stuff at the same time.

495
00:22:56,640 --> 00:22:59,480
Speaker 1: You know, they may have one aspect of their their

496
00:22:59,560 --> 00:23:01,960
Speaker 1: finance is you know, checked off, and think that they're good,

497
00:23:02,000 --> 00:23:04,760
Speaker 1: but really, when you get down and ask these questions,

498
00:23:04,800 --> 00:23:05,800
Speaker 1: kind of like when you go the doctor and they

499
00:23:05,800 --> 00:23:10,080
Speaker 1: start asking you very specific questions, You're like oh oh,

500
00:23:10,119 --> 00:23:12,720
Speaker 1: there's more than just did I wake up today. There's

501
00:23:12,720 --> 00:23:14,960
Speaker 1: a lot there's a lot of other things that could

502
00:23:14,960 --> 00:23:18,399
Speaker 1: be going wrong. Okay, but now we're into the intermediate level.

503
00:23:18,720 --> 00:23:23,320
Speaker 1: Number six, invest like an insider. What's this one all about?

504
00:23:23,359 --> 00:23:24,760
Speaker 1: How do you invest like an insider?

505
00:23:25,080 --> 00:23:29,440
Speaker 3: So one, insiders know that you investment fall and falls

506
00:23:29,440 --> 00:23:33,399
Speaker 3: into two major tiers, retirement and wealth. You're really not

507
00:23:33,760 --> 00:23:37,280
Speaker 3: saving for retirement. Women always say this, it's really you

508
00:23:37,440 --> 00:23:41,800
Speaker 3: investing for retirement and investing for wealth. So the difference

509
00:23:41,840 --> 00:23:44,320
Speaker 3: is this, When you invest for retirement, you are saying,

510
00:23:44,320 --> 00:23:47,200
Speaker 3: I'm setting aside money and investing it so I can

511
00:23:47,240 --> 00:23:49,560
Speaker 3: maintain my current lifestyle when I'm no longer working.

512
00:23:50,359 --> 00:23:51,200
Speaker 2: When you and.

513
00:23:51,160 --> 00:23:54,880
Speaker 3: So it's you're it's literally about you and only you

514
00:23:55,440 --> 00:23:59,000
Speaker 3: later on in life. Investing for wealth is different. It's

515
00:23:59,040 --> 00:24:03,760
Speaker 3: about improved in your lifestyle now currently and leaving money

516
00:24:03,760 --> 00:24:07,040
Speaker 3: for airs, you know, So that's what now. Investing for

517
00:24:07,080 --> 00:24:10,440
Speaker 3: retirement should happen no matter what. Investing for wealth happens

518
00:24:10,520 --> 00:24:14,000
Speaker 3: after you have the foundational things like budget say all

519
00:24:14,000 --> 00:24:17,000
Speaker 3: that stuff. But investing for retirement happens no matter what,

520
00:24:17,080 --> 00:24:19,439
Speaker 3: because no matter what your eighty year old self is

521
00:24:19,440 --> 00:24:20,879
Speaker 3: going to need to eat, it's going to need a

522
00:24:20,880 --> 00:24:23,760
Speaker 3: safe place to live, it's going to need medicine, it's

523
00:24:23,800 --> 00:24:24,800
Speaker 3: going to need transportation.

524
00:24:24,880 --> 00:24:25,520
Speaker 2: You see what I mean.

525
00:24:25,560 --> 00:24:28,679
Speaker 3: So like retirement is really not optional, but investing for

526
00:24:28,760 --> 00:24:29,760
Speaker 3: wealth kind of is.

527
00:24:30,840 --> 00:24:33,679
Speaker 1: Absolutely. I gave myself a check my I love my

528
00:24:33,720 --> 00:24:36,320
Speaker 1: four one K and but I will say the past

529
00:24:36,400 --> 00:24:40,520
Speaker 1: five year old three years especially, I have had a

530
00:24:40,520 --> 00:24:43,280
Speaker 1: lot of fun taking the next step beyond just like

531
00:24:43,440 --> 00:24:47,200
Speaker 1: the target date fund, you know, index fund investing style

532
00:24:47,320 --> 00:24:50,480
Speaker 1: and actually investing for wealth. And that's been it's been

533
00:24:50,720 --> 00:24:51,960
Speaker 1: new territory. Yeah.

534
00:24:52,119 --> 00:24:54,240
Speaker 2: And just if you guys are listening, you forgot, like,

535
00:24:54,280 --> 00:24:54,800
Speaker 2: don't forget.

536
00:24:54,840 --> 00:24:59,600
Speaker 3: This is that gg wmquiz dot com for Get Good

537
00:24:59,600 --> 00:25:01,600
Speaker 3: with Money quiz. If you want to take the quiz, like,

538
00:25:01,640 --> 00:25:04,000
Speaker 3: hold up, let me see, because I would love if

539
00:25:04,000 --> 00:25:07,879
Speaker 3: you could like tweet us, Instagram, us, email us like

540
00:25:07,920 --> 00:25:10,760
Speaker 3: what your you know what your your score is?

541
00:25:11,280 --> 00:25:14,879
Speaker 1: Yeah? I use the hashtag gg W M O n

542
00:25:14,920 --> 00:25:18,679
Speaker 1: E y gg W money. Yes, loves it all right,

543
00:25:18,760 --> 00:25:21,200
Speaker 1: ooh ooh. My second favorite, Get Good with the Insurance

544
00:25:21,280 --> 00:25:21,879
Speaker 1: number seven.

545
00:25:23,000 --> 00:25:24,480
Speaker 2: This is where I get good.

546
00:25:24,960 --> 00:25:27,000
Speaker 3: This is where I like at first before when I

547
00:25:27,080 --> 00:25:29,359
Speaker 3: was writing this book, this is where I didn't.

548
00:25:29,440 --> 00:25:32,639
Speaker 2: I was not I was. I was eighty.

549
00:25:32,400 --> 00:25:35,639
Speaker 3: Percent because my insurance. And you'll see like this is

550
00:25:35,640 --> 00:25:37,280
Speaker 3: where I was shaking, but now I'm good. Angelie got

551
00:25:37,320 --> 00:25:39,320
Speaker 3: me all the way together. This is a chapter that

552
00:25:39,359 --> 00:25:43,440
Speaker 3: I had Angelie really weigh in on because it's insurance

553
00:25:43,480 --> 00:25:45,480
Speaker 3: is not just health insurance. You have to think about

554
00:25:45,480 --> 00:25:49,879
Speaker 3: life insurance potentially disability and property and casualty insurance. That's

555
00:25:49,920 --> 00:25:52,240
Speaker 3: what you think of like home and artum So are

556
00:25:52,280 --> 00:25:53,560
Speaker 3: you adequately covered?

557
00:25:53,880 --> 00:25:56,640
Speaker 2: Do you know the need? So the reason.

558
00:25:56,320 --> 00:25:58,680
Speaker 3: Why I was eighty percent when I first started the

559
00:25:58,680 --> 00:26:00,960
Speaker 3: book is because I thought I was well insured and

560
00:26:01,119 --> 00:26:02,800
Speaker 3: Julie was like, yeah, girl, you're insured like a twenty

561
00:26:02,800 --> 00:26:03,360
Speaker 3: seven year old.

562
00:26:03,359 --> 00:26:06,400
Speaker 2: I'm like, that's when I got my life. And you say, exactly, this.

563
00:26:06,320 --> 00:26:09,800
Speaker 3: Life insurance is is enough to protect your twenty seven

564
00:26:09,880 --> 00:26:12,120
Speaker 3: year old self, but not your forty forty one year

565
00:26:12,119 --> 00:26:15,200
Speaker 3: old self. And so this chapter, I think is really

566
00:26:15,200 --> 00:26:16,520
Speaker 3: great for people who are like I did it.

567
00:26:16,560 --> 00:26:17,320
Speaker 2: I'm good. I'm good.

568
00:26:17,359 --> 00:26:21,359
Speaker 3: It's like, are you sis, how's your insurance looking? Insurance

569
00:26:21,840 --> 00:26:24,080
Speaker 3: is yours a risk management tool?

570
00:26:24,320 --> 00:26:28,080
Speaker 2: You know? Are you managing risks in your life? Like?

571
00:26:28,119 --> 00:26:30,520
Speaker 3: Are you managing risks against your assets, against your life,

572
00:26:30,720 --> 00:26:34,160
Speaker 3: against your earning potential, against your property. So I think

573
00:26:34,160 --> 00:26:35,760
Speaker 3: this is gonna be a really great chapter for.

574
00:26:35,760 --> 00:26:38,840
Speaker 1: Folks love it. This was the one I finally got

575
00:26:38,840 --> 00:26:40,720
Speaker 1: together when I when I had the baby. It was

576
00:26:40,760 --> 00:26:42,280
Speaker 1: like I left the hospital and I was like, oh,

577
00:26:42,400 --> 00:26:44,000
Speaker 1: I have to get some life insurance. Now I have

578
00:26:44,080 --> 00:26:46,600
Speaker 1: a reason. And I will say the pandemic kind of

579
00:26:46,600 --> 00:26:49,760
Speaker 1: threw me off because it was like the people literally

580
00:26:49,800 --> 00:26:52,679
Speaker 1: they come to your house and they do like a

581
00:26:53,520 --> 00:26:55,840
Speaker 1: or you go there sometimes, but they do like a

582
00:26:55,880 --> 00:26:59,679
Speaker 1: physical you know, your sample. I think he took blood,

583
00:26:59,800 --> 00:27:01,560
Speaker 1: don't It was like four in the morning. I don't know.

584
00:27:01,600 --> 00:27:04,160
Speaker 1: I got to really know the early appointment solid blur,

585
00:27:04,480 --> 00:27:07,159
Speaker 1: but finally got it done back in August. And I

586
00:27:07,160 --> 00:27:09,200
Speaker 1: think that's the most common question I see is how

587
00:27:09,280 --> 00:27:13,040
Speaker 1: much is enough for life insurance? For me, it was

588
00:27:13,160 --> 00:27:15,480
Speaker 1: ten x. I just used that rule of thumb ten

589
00:27:15,720 --> 00:27:20,160
Speaker 1: x my household income, and you know, luckily got approved.

590
00:27:20,160 --> 00:27:22,480
Speaker 1: In all of that, where's the best because people may

591
00:27:22,480 --> 00:27:25,800
Speaker 1: not know where to start shopping for an insurance policy.

592
00:27:25,800 --> 00:27:27,560
Speaker 1: And by the way, we're talking about life insurance, but

593
00:27:27,600 --> 00:27:30,119
Speaker 1: also just do you have enough home insurance? Do you

594
00:27:30,160 --> 00:27:33,480
Speaker 1: have enough property insurance, you know, so making sure that

595
00:27:33,600 --> 00:27:35,880
Speaker 1: you're covered for those types of things is important too.

596
00:27:36,560 --> 00:27:39,080
Speaker 3: So the one of my favorite sites that that I

597
00:27:39,160 --> 00:27:42,440
Speaker 3: mentioned in the book is a policy Genius, because policy

598
00:27:42,440 --> 00:27:45,520
Speaker 3: genius is not just going to help you look for

599
00:27:45,760 --> 00:27:48,320
Speaker 3: health insurance. You can just you can literally take a

600
00:27:48,400 --> 00:27:51,200
Speaker 3: quiz and it'll let you know, like, oh girl, you gotta.

601
00:27:50,920 --> 00:27:54,800
Speaker 2: Pat what about kik kiki the k in do you

602
00:27:54,840 --> 00:27:55,720
Speaker 2: have that insurance?

603
00:27:56,280 --> 00:27:56,480
Speaker 5: You know?

604
00:27:56,520 --> 00:27:58,280
Speaker 3: Some policy genius is actually going to show you where

605
00:27:58,320 --> 00:28:00,800
Speaker 3: you have like plugs or holes in your insurance and

606
00:28:00,840 --> 00:28:03,440
Speaker 3: make suggestions for you. So that's when there's also select quote.

607
00:28:03,440 --> 00:28:05,680
Speaker 3: That's another one. I think it's selective. Yes, that's another

608
00:28:05,720 --> 00:28:09,159
Speaker 3: one that I like, and so like just getting with

609
00:28:09,200 --> 00:28:11,400
Speaker 3: it when it comes to insurance. You know, if you're

610
00:28:11,440 --> 00:28:13,959
Speaker 3: not working with a financial planner like I was, you know,

611
00:28:14,040 --> 00:28:16,760
Speaker 3: taking one of those quizzes to see, like, you know,

612
00:28:16,880 --> 00:28:19,399
Speaker 3: do I have enough insurance is a great place to start.

613
00:28:19,600 --> 00:28:22,119
Speaker 3: So you could slowly but surely start plugging those wholes

614
00:28:22,160 --> 00:28:25,479
Speaker 3: because the older you get, the more critical insurance becomes,

615
00:28:25,600 --> 00:28:28,679
Speaker 3: especially if you have dependence, especially children.

616
00:28:29,480 --> 00:28:32,840
Speaker 1: Yep, love it. Okay, three more, I'm out seventy percent

617
00:28:32,960 --> 00:28:39,360
Speaker 1: so far. Okay, grown rich? Oh, grow richsh increase your networth.

618
00:28:39,400 --> 00:28:41,600
Speaker 1: So this is when you know how to calculate your network,

619
00:28:42,000 --> 00:28:42,960
Speaker 1: which is what tiffany.

620
00:28:43,360 --> 00:28:47,440
Speaker 3: So your net worth is what you own all your assets.

621
00:28:47,960 --> 00:28:51,719
Speaker 3: Mine is what you owe all your liability. So the

622
00:28:51,760 --> 00:28:54,680
Speaker 3: owning things put money into your pocket, the owing things

623
00:28:54,720 --> 00:28:57,800
Speaker 3: take money out. So assets versus liabilities, that is what

624
00:28:57,920 --> 00:28:59,520
Speaker 3: net worth is, and so you have to know how

625
00:28:59,560 --> 00:29:01,840
Speaker 3: to calculate it, which I show you how to identify

626
00:29:01,880 --> 00:29:04,760
Speaker 3: your assets, to identify your liabilities. Actually have a net

627
00:29:04,760 --> 00:29:08,640
Speaker 3: worth worksheet in the book. It's also in your Get

628
00:29:08,640 --> 00:29:11,040
Speaker 3: Given Money like toolkit, like I told you, that's available

629
00:29:11,040 --> 00:29:14,480
Speaker 3: where the book is available on get goodwith Money dot com.

630
00:29:14,600 --> 00:29:17,760
Speaker 3: There's a toolkit there, I mean a worksheet there, and

631
00:29:18,760 --> 00:29:21,080
Speaker 3: I want you to like, if you don't have positive

632
00:29:21,120 --> 00:29:23,840
Speaker 3: net worth, you should be learning how to increase it,

633
00:29:23,880 --> 00:29:26,160
Speaker 3: and even if you do, how to increase it by

634
00:29:26,320 --> 00:29:28,840
Speaker 3: increasing assets and decreasing liability.

635
00:29:28,680 --> 00:29:31,200
Speaker 2: But liabilities loves it.

636
00:29:31,280 --> 00:29:33,520
Speaker 1: That's one I cheat. I use one of those money

637
00:29:33,520 --> 00:29:37,840
Speaker 1: management apps which has all the information between my husband

638
00:29:37,880 --> 00:29:40,400
Speaker 1: and myself and then it's a really pretty chart that

639
00:29:40,440 --> 00:29:42,520
Speaker 1: we watch go up and down and it kind of

640
00:29:42,520 --> 00:29:46,840
Speaker 1: shows your net worth net worth, which yeah, I love it,

641
00:29:46,880 --> 00:29:50,280
Speaker 1: and also thinking about if you have a mortgage. I

642
00:29:50,320 --> 00:29:52,440
Speaker 1: was always thinking of a mortgage as oh, this is

643
00:29:52,440 --> 00:29:54,040
Speaker 1: a huge hit to my net worth. But then you

644
00:29:54,080 --> 00:29:56,800
Speaker 1: forget about the asset side of it. You know, so

645
00:29:56,880 --> 00:30:00,400
Speaker 1: your praised home value is the asset, yes, you know,

646
00:30:00,560 --> 00:30:02,400
Speaker 1: you factor in and then all of a sudden, it's like,

647
00:30:02,400 --> 00:30:04,040
Speaker 1: oh yay.

648
00:30:04,120 --> 00:30:07,120
Speaker 2: People always people always get that message. They're like, is

649
00:30:07,160 --> 00:30:09,120
Speaker 2: a house and acid are liability? I was like, it's

650
00:30:09,160 --> 00:30:11,920
Speaker 2: really both, Like you said, like the value of your

651
00:30:11,960 --> 00:30:15,320
Speaker 2: home is the is the asset, and then the mortgage

652
00:30:15,320 --> 00:30:19,080
Speaker 2: you have out on that home is the liability. It's like, okay,

653
00:30:19,120 --> 00:30:21,000
Speaker 2: you know, so yeah, that's yeah.

654
00:30:21,000 --> 00:30:22,920
Speaker 1: That's why so many folks got burned during the housing

655
00:30:22,960 --> 00:30:26,600
Speaker 1: crisis because they their home was not worth the amount

656
00:30:26,680 --> 00:30:29,720
Speaker 1: of money they had taken out against it, so their

657
00:30:29,760 --> 00:30:31,800
Speaker 1: debt they just owed more than the house was worth.

658
00:30:31,840 --> 00:30:36,479
Speaker 1: So that's the nightmare situation, luckily not happening here. Okay

659
00:30:37,120 --> 00:30:39,720
Speaker 1: net worth, Okay, two more, Okay, so this is obviously

660
00:30:39,800 --> 00:30:41,520
Speaker 1: we're down to the last two. We can probably figure

661
00:30:41,520 --> 00:30:44,880
Speaker 1: out where Mandy has some work to do. But number nine,

662
00:30:44,920 --> 00:30:48,160
Speaker 1: pick your money team financial professionals. So this is where

663
00:30:48,160 --> 00:30:50,680
Speaker 1: you have. So how do you define what's your money team, Tiffany,

664
00:30:50,680 --> 00:30:53,920
Speaker 1: Because we get asked about you know, financial planners, but

665
00:30:54,000 --> 00:30:56,120
Speaker 1: what else? Who else is on your ideal money team?

666
00:30:56,360 --> 00:30:58,280
Speaker 2: So it depends on where you are in life.

667
00:30:58,320 --> 00:31:01,120
Speaker 3: So at the very least, I say, every single person

668
00:31:01,240 --> 00:31:04,200
Speaker 3: needs an accountability partner. It could be your work mom,

669
00:31:04,320 --> 00:31:06,280
Speaker 3: It could be your bestiae, it could be your spouse,

670
00:31:06,440 --> 00:31:10,120
Speaker 3: your partner. It could be your sister, your brother, or uncle, cousin, whoever.

671
00:31:10,520 --> 00:31:13,760
Speaker 3: I do believe that money is a team sport and

672
00:31:13,840 --> 00:31:16,120
Speaker 3: if you work on it with someone, and when I

673
00:31:16,160 --> 00:31:18,200
Speaker 3: mean work on it, not like they have to be experts,

674
00:31:18,200 --> 00:31:20,200
Speaker 3: but just like, Okay, I'm doing my budget this week,

675
00:31:20,240 --> 00:31:21,360
Speaker 3: are you gonna do yours this week?

676
00:31:21,440 --> 00:31:23,720
Speaker 2: Okay, I'm saving, Yay, it's good, Okay.

677
00:31:23,760 --> 00:31:26,720
Speaker 3: You know, someone to keep you motivated, someone to help

678
00:31:26,800 --> 00:31:29,320
Speaker 3: normalize the process because they're going through it as well,

679
00:31:29,960 --> 00:31:33,520
Speaker 3: someone to encourage you, you know, and sometimes someone even

680
00:31:33,520 --> 00:31:35,720
Speaker 3: to set the example because maybe they're better at something

681
00:31:35,760 --> 00:31:38,560
Speaker 3: else than you when it comes to their finances. So

682
00:31:38,640 --> 00:31:42,320
Speaker 3: accountability partner, I'm across the board and I always know

683
00:31:42,360 --> 00:31:44,680
Speaker 3: you all know I have the Dreamcatchers group on Facebook.

684
00:31:44,960 --> 00:31:48,080
Speaker 3: Dreamcatchers live richer with the budget Nissa and I tell

685
00:31:48,120 --> 00:31:50,360
Speaker 3: people if you don't know anybody in real life that

686
00:31:50,520 --> 00:31:53,960
Speaker 3: you can get an account, get to be your accountability partner.

687
00:31:54,000 --> 00:31:55,480
Speaker 2: You can always find one in that group.

688
00:31:55,480 --> 00:31:57,440
Speaker 3: It's like half a million of us in there, all

689
00:31:57,480 --> 00:32:00,640
Speaker 3: working on our finances together, so that's for sure. But

690
00:32:00,680 --> 00:32:03,760
Speaker 3: then there are people like a certified financial planner. You know,

691
00:32:03,880 --> 00:32:07,120
Speaker 3: this is someone who typically they say you should have

692
00:32:07,200 --> 00:32:10,600
Speaker 3: about two hundred and fifty thousand dollars of assets to

693
00:32:10,680 --> 00:32:13,000
Speaker 3: invest before it kind of makes financial sense. So you

694
00:32:13,080 --> 00:32:15,080
Speaker 3: might not need one, but that's someone just to keep

695
00:32:15,080 --> 00:32:18,920
Speaker 3: in mind. An insurance broker. Now this you might not need,

696
00:32:19,680 --> 00:32:22,920
Speaker 3: but if you're someone like me who I have several businesses,

697
00:32:23,000 --> 00:32:25,240
Speaker 3: so I have an insurance broker. Shout to you, David,

698
00:32:25,840 --> 00:32:28,600
Speaker 3: because you know, with my businesses and then my personal life,

699
00:32:28,680 --> 00:32:31,080
Speaker 3: like I have to have someone who was looking at

700
00:32:31,120 --> 00:32:34,560
Speaker 3: my my insurance collectively to see Like the other day,

701
00:32:34,600 --> 00:32:37,239
Speaker 3: David's like, hey, if we twitched to Travelers, we can

702
00:32:37,320 --> 00:32:39,479
Speaker 3: save you and Superman three thousand dollars a year.

703
00:32:39,520 --> 00:32:40,840
Speaker 2: I was like, let's do it.

704
00:32:40,960 --> 00:32:45,600
Speaker 3: You know, and estate planning attorney. You may or may

705
00:32:45,640 --> 00:32:47,440
Speaker 3: not need one, but I wanted to put it out there.

706
00:32:47,640 --> 00:32:49,360
Speaker 3: What I love about in the book is that I

707
00:32:49,400 --> 00:32:53,120
Speaker 3: explain who these people are, whether or not you may

708
00:32:53,200 --> 00:32:55,360
Speaker 3: or might not need it, how much they typically get paid,

709
00:32:55,360 --> 00:32:57,760
Speaker 3: if it makes sense, and how they're usually paid and

710
00:32:58,120 --> 00:33:00,760
Speaker 3: less than not least. A CPA is certified book accountant.

711
00:33:01,000 --> 00:33:03,480
Speaker 3: You don't necessarily need one because you might do your

712
00:33:03,520 --> 00:33:06,000
Speaker 3: own taxes if you've got a simple ten forty easy,

713
00:33:06,440 --> 00:33:09,840
Speaker 3: you know, turbo tax is fine, you know. So I

714
00:33:10,000 --> 00:33:13,960
Speaker 3: just share in this particular part of the book, these

715
00:33:14,000 --> 00:33:19,600
Speaker 3: are just like, hey, here's who you might consider and why.

716
00:33:19,440 --> 00:33:21,280
Speaker 2: But make the best choice for you when it comes

717
00:33:21,320 --> 00:33:22,400
Speaker 2: to picking your money team.

718
00:33:23,320 --> 00:33:25,720
Speaker 1: Yeah, I think that. So for me, the one that

719
00:33:26,320 --> 00:33:28,600
Speaker 1: I don't think I need an insurance broker. I do

720
00:33:28,680 --> 00:33:30,920
Speaker 1: have a CFP that I work with every once in

721
00:33:30,920 --> 00:33:32,960
Speaker 1: a while. Helen's probably like, you haven't called me in

722
00:33:32,960 --> 00:33:36,200
Speaker 1: a minute, what's going on? But for me this is

723
00:33:36,400 --> 00:33:38,800
Speaker 1: it's sort of a combo between nine and ten, which

724
00:33:38,800 --> 00:33:41,520
Speaker 1: is leave a legacy about estate planning. I don't feel

725
00:33:41,560 --> 00:33:44,560
Speaker 1: like I've gotten my estate planning down the way that

726
00:33:44,640 --> 00:33:46,560
Speaker 1: I or you know what, even just to have a

727
00:33:46,600 --> 00:33:50,720
Speaker 1: professional look at my look at my stuff and say, yeah, okay,

728
00:33:50,720 --> 00:33:53,200
Speaker 1: you've got a plan, because I don't have a plan

729
00:33:53,400 --> 00:33:56,560
Speaker 1: like written down. I've got my beneficiaries checked off, I

730
00:33:56,600 --> 00:33:59,280
Speaker 1: got my little life insurance. But I just really want

731
00:33:59,320 --> 00:34:01,840
Speaker 1: to make sure that my family is Yeah, it's set up,

732
00:34:01,840 --> 00:34:05,200
Speaker 1: and my legacy, as my financial legacy, lives on. So

733
00:34:05,320 --> 00:34:08,319
Speaker 1: let's talk about number ten leading a legacy.

734
00:34:08,400 --> 00:34:09,400
Speaker 2: So about that for you.

735
00:34:09,640 --> 00:34:13,239
Speaker 3: Here's why I am ninety percent as well, Like I

736
00:34:13,239 --> 00:34:14,800
Speaker 3: think that people don't get, you know, I'm all the

737
00:34:14,800 --> 00:34:18,799
Speaker 3: way transparent, like I am working on. I probably was

738
00:34:18,800 --> 00:34:22,439
Speaker 3: one hundred percent before because financial hollness is very fluid, right,

739
00:34:22,719 --> 00:34:25,520
Speaker 3: So I could have been one hundred percent before because

740
00:34:26,000 --> 00:34:28,799
Speaker 3: I didn't need a trust before. But I've grown, my

741
00:34:29,000 --> 00:34:31,799
Speaker 3: assets have grown to a space in the place where

742
00:34:31,800 --> 00:34:33,640
Speaker 3: I need a trust now, So I'm no longer one

743
00:34:33,680 --> 00:34:37,000
Speaker 3: hundred percent. I'm ninety So I'm working on a trust

744
00:34:37,040 --> 00:34:39,759
Speaker 3: now with Tony More, my attorney, my husband, and I

745
00:34:39,800 --> 00:34:42,880
Speaker 3: are so with leaving a legacy of state planning. This

746
00:34:42,960 --> 00:34:46,920
Speaker 3: is when you've identified and completed the components of an

747
00:34:47,000 --> 00:34:51,520
Speaker 3: estate plan, so that is potentially a will trust beneficiaries

748
00:34:51,520 --> 00:34:55,080
Speaker 3: on your accounts, you know, and you have executed, signed,

749
00:34:55,160 --> 00:34:58,600
Speaker 3: and funded your state plan Tony, which oddly enough told

750
00:34:58,600 --> 00:35:01,040
Speaker 3: me that many people with her for six months to

751
00:35:01,080 --> 00:35:03,919
Speaker 3: do a trust and then not put the stuff into

752
00:35:03,960 --> 00:35:05,920
Speaker 3: trust and fund it. She's like, so you paid all

753
00:35:05,920 --> 00:35:08,000
Speaker 3: this money for me to make your trust. But it's

754
00:35:08,040 --> 00:35:09,960
Speaker 3: almost like they're afraid if they create the trust or

755
00:35:09,960 --> 00:35:11,719
Speaker 3: the will that the next day they pass away.

756
00:35:12,080 --> 00:35:15,560
Speaker 1: Yeah, you know, it's true. It's all this is so

757
00:35:15,680 --> 00:35:18,960
Speaker 1: wrapped up in the emotions behind death. That's why it's

758
00:35:19,560 --> 00:35:21,840
Speaker 1: for me, even just getting life insurance, I have to

759
00:35:22,000 --> 00:35:25,399
Speaker 1: stop myself from thinking about the reason I'm getting this

760
00:35:25,440 --> 00:35:27,879
Speaker 1: is so if I die, but I'm not gonna die

761
00:35:28,080 --> 00:35:31,440
Speaker 1: but not for my baby. Like, yes, it's really it's hard.

762
00:35:31,719 --> 00:35:33,759
Speaker 1: The emotions of it are really hard to unpack. You

763
00:35:33,800 --> 00:35:36,440
Speaker 1: have to kind of like compartmentalize it all exactly.

764
00:35:36,520 --> 00:35:40,319
Speaker 3: And so like I just honestly like, financial wholeness is

765
00:35:40,320 --> 00:35:43,319
Speaker 3: my love language. Like here's what because people ask me,

766
00:35:43,360 --> 00:35:45,520
Speaker 3: like what is because so the book is called Get

767
00:35:45,680 --> 00:35:50,120
Speaker 3: Good with Money, Ten Simple Steps to becoming Financially Whole,

768
00:35:50,520 --> 00:35:53,040
Speaker 3: and so like folks ask me, like, what is financial holeness?

769
00:35:53,080 --> 00:35:55,160
Speaker 3: That is when these ten components that I just went

770
00:35:55,200 --> 00:35:59,040
Speaker 3: over really like kind of work together as a team

771
00:35:59,560 --> 00:36:04,560
Speaker 3: to create the strongest financial foundation possible. It means that

772
00:36:04,920 --> 00:36:08,680
Speaker 3: when pandemic and quarantine and these things happen, not that

773
00:36:08,800 --> 00:36:12,120
Speaker 3: you won't have any financial trauma or drama, but that

774
00:36:12,200 --> 00:36:15,319
Speaker 3: you won't be shocked like rock to the core like

775
00:36:15,360 --> 00:36:18,160
Speaker 3: maybe you otherwise would have been, because you have these

776
00:36:18,200 --> 00:36:20,839
Speaker 3: things in place, and it's not something that you're gonna

777
00:36:20,880 --> 00:36:22,840
Speaker 3: You're not gonna do this in six months or in

778
00:36:22,880 --> 00:36:25,040
Speaker 3: a year. These are going to be things that you

779
00:36:25,120 --> 00:36:28,640
Speaker 3: slowly grow to And what will happen is as your

780
00:36:28,680 --> 00:36:32,319
Speaker 3: life grows, things will look different. So financial homeness for

781
00:36:32,360 --> 00:36:34,960
Speaker 3: your twenty one year old self is different than financial

782
00:36:34,960 --> 00:36:37,440
Speaker 3: homeness for your forty year old self. Like I said before,

783
00:36:37,960 --> 00:36:41,759
Speaker 3: when I was twenty seven, my estate planning I was

784
00:36:41,760 --> 00:36:45,120
Speaker 3: fine because I had all I didn't really have much

785
00:36:45,160 --> 00:36:48,120
Speaker 3: of in the way of assets, but the assets I

786
00:36:48,120 --> 00:36:51,640
Speaker 3: did have, like my I had a life insurance policy

787
00:36:51,719 --> 00:36:54,200
Speaker 3: and my bank accounts. My mom and my sisters and

788
00:36:54,200 --> 00:36:56,359
Speaker 3: my father were the beneficiaries and all of that. That's

789
00:36:56,360 --> 00:36:58,520
Speaker 3: the state planning for a twenty something year old with

790
00:36:58,560 --> 00:37:01,120
Speaker 3: no children, you know, like major assets.

791
00:37:01,200 --> 00:37:04,280
Speaker 2: That was fine. So what's so great about financial holness

792
00:37:04,360 --> 00:37:05,480
Speaker 2: is that it grows up with you.

793
00:37:05,760 --> 00:37:08,360
Speaker 3: That as you grow up, you start to realize that

794
00:37:08,400 --> 00:37:11,759
Speaker 3: you can look back and say, oh, my insurance, Like

795
00:37:11,840 --> 00:37:15,520
Speaker 3: I just got good with insurance because my insurance before

796
00:37:15,760 --> 00:37:18,640
Speaker 3: was fine, but now I'm married, I've got a bonus daughter,

797
00:37:18,840 --> 00:37:22,680
Speaker 3: I've got nieces and nephews, I've got additional businesses. So

798
00:37:22,719 --> 00:37:25,000
Speaker 3: as a result, my insurance had to grow to meebe

799
00:37:25,000 --> 00:37:28,040
Speaker 3: where I was. And so financial homeness just know that

800
00:37:28,120 --> 00:37:32,240
Speaker 3: you're ever evolving. And why I like financial homeness versus

801
00:37:32,280 --> 00:37:36,200
Speaker 3: financial freedom is that many financial freedom to seem so

802
00:37:37,920 --> 00:37:42,000
Speaker 3: it was not inclusive, right. So with financial freedom, typically

803
00:37:42,080 --> 00:37:43,520
Speaker 3: people say like kind of like they have like this

804
00:37:43,640 --> 00:37:47,040
Speaker 3: money set aside and it allows them not to work anymore,

805
00:37:47,040 --> 00:37:51,520
Speaker 3: and that's great, But are you fully insured? I wasn't.

806
00:37:52,120 --> 00:37:54,200
Speaker 3: Do you have an estate plan? It doesn't address that,

807
00:37:54,920 --> 00:37:56,439
Speaker 3: you know what I mean, Like, do you have your

808
00:37:56,480 --> 00:37:59,000
Speaker 3: like your financial team set up? So maybe you have

809
00:37:59,040 --> 00:38:02,279
Speaker 3: a budget and you're safe. But just because you're financially free,

810
00:38:02,280 --> 00:38:06,520
Speaker 3: because I was financially free, but I was not financially whole.

811
00:38:07,080 --> 00:38:12,080
Speaker 3: There's more protection and your ability to maintain where you

812
00:38:12,120 --> 00:38:14,800
Speaker 3: are with financial wholeness and I would say financial freedom

813
00:38:14,840 --> 00:38:17,240
Speaker 3: is for a few people, but financial holeness is literally

814
00:38:17,280 --> 00:38:18,720
Speaker 3: for everyone.

815
00:38:19,000 --> 00:38:21,560
Speaker 1: So if this is just a tiny nugget of what

816
00:38:21,600 --> 00:38:23,680
Speaker 1: the book is like, I can't wait to get it

817
00:38:23,760 --> 00:38:27,239
Speaker 1: to my custin and read it for myself. I don't

818
00:38:27,239 --> 00:38:28,640
Speaker 1: know what the audiobook, even though I talk to you

819
00:38:28,680 --> 00:38:30,759
Speaker 1: every week. I feel like the audiobook's probably really good.

820
00:38:31,160 --> 00:38:31,400
Speaker 5: You know.

821
00:38:32,760 --> 00:38:35,319
Speaker 3: There's a clip that we were posting, and I was

822
00:38:35,320 --> 00:38:37,480
Speaker 3: so nervous to listen to it because I was like,

823
00:38:37,520 --> 00:38:38,880
Speaker 3: oh good, because.

824
00:38:38,680 --> 00:38:40,080
Speaker 2: You just don't know how you sound. I'm like, was

825
00:38:40,080 --> 00:38:41,080
Speaker 2: I sounding stupid?

826
00:38:41,600 --> 00:38:41,759
Speaker 5: You know?

827
00:38:41,960 --> 00:38:43,800
Speaker 2: Was I talking too fast? Da? Da da?

828
00:38:43,960 --> 00:38:46,280
Speaker 3: So they gave me this clip of like I'm telling

829
00:38:46,320 --> 00:38:48,680
Speaker 3: the story like of one of my first financial lessons.

830
00:38:48,960 --> 00:38:51,520
Speaker 3: Because my sister Tracy was like, and if you I mean,

831
00:38:51,640 --> 00:38:54,200
Speaker 3: if you know sisters, they don't care anything about your feelings.

832
00:38:54,239 --> 00:38:57,120
Speaker 3: Like my sisters were literally like that picture of you

833
00:38:57,160 --> 00:38:58,600
Speaker 3: on the cover of your book, it's cute, but you're

834
00:38:58,600 --> 00:38:59,319
Speaker 3: smiling too hard.

835
00:38:59,320 --> 00:39:01,640
Speaker 2: Girl, I'm a gun. I'm like, tell Jesus because he

836
00:39:01,719 --> 00:39:02,360
Speaker 2: made my smile.

837
00:39:02,600 --> 00:39:04,960
Speaker 3: You tell Jesus, like, literally, that's what was happening in

838
00:39:04,960 --> 00:39:06,080
Speaker 3: the what's happened in the group chat.

839
00:39:06,400 --> 00:39:08,360
Speaker 2: My sisters were going back and forth about is it

840
00:39:08,480 --> 00:39:10,200
Speaker 2: too gummy? It is? I was like, I'm here, I

841
00:39:10,239 --> 00:39:11,520
Speaker 2: can read, I can see you.

842
00:39:12,560 --> 00:39:14,239
Speaker 3: But that's sisters, you know, So I don't you know

843
00:39:14,440 --> 00:39:15,880
Speaker 3: your sisters are going to tell you like it is,

844
00:39:16,600 --> 00:39:19,040
Speaker 3: especially Tracy. So when she said, did you listen to

845
00:39:19,040 --> 00:39:21,279
Speaker 3: the audio version, like the clip they sent you? And

846
00:39:21,320 --> 00:39:24,359
Speaker 3: I was like, cause she's my paplo sist, and I

847
00:39:24,400 --> 00:39:26,080
Speaker 3: was like I was waiting for her to, like, you know,

848
00:39:26,239 --> 00:39:28,320
Speaker 3: crack a joke and be like, Sis, you sounded terrible,

849
00:39:28,360 --> 00:39:29,879
Speaker 3: but it is what it is, because she'll say something

850
00:39:29,920 --> 00:39:31,839
Speaker 3: like that and she was like it was good. I

851
00:39:31,920 --> 00:39:34,520
Speaker 3: was like, okay. She's like no, She's like, you know

852
00:39:34,560 --> 00:39:35,759
Speaker 3: how like I hear you talk all the time and

853
00:39:35,760 --> 00:39:37,880
Speaker 3: I'm like, nobody cares. And I heard that story so

854
00:39:37,920 --> 00:39:40,120
Speaker 3: many times and I'm like nobody cares. She's like, I

855
00:39:40,160 --> 00:39:42,600
Speaker 3: listened to the whole thing, like I leaned in. I

856
00:39:42,680 --> 00:39:45,000
Speaker 3: was like, what a nice.

857
00:39:44,840 --> 00:39:50,840
Speaker 1: Word on the New York Times bestseller's list quote Tracy

858
00:39:51,400 --> 00:39:53,399
Speaker 1: had nothing mean to say about it.

859
00:39:53,640 --> 00:39:55,680
Speaker 2: I was like what, She's like, No, for real, it's good.

860
00:39:55,719 --> 00:39:57,439
Speaker 2: I was like, you know, just being nice.

861
00:39:57,440 --> 00:39:59,000
Speaker 3: She looked at me like girl, Why would I just

862
00:39:59,040 --> 00:40:01,080
Speaker 3: be a maze?

863
00:40:01,680 --> 00:40:04,000
Speaker 1: Seriously, if you got some audible credits knocking around like

864
00:40:04,080 --> 00:40:06,840
Speaker 1: I do, order.

865
00:40:07,080 --> 00:40:08,680
Speaker 3: Like I did because I had like four credits and

866
00:40:08,719 --> 00:40:10,520
Speaker 3: it was like one credit. So I got it because

867
00:40:10,520 --> 00:40:12,879
Speaker 3: I was like I want to hear it. So yes,

868
00:40:13,040 --> 00:40:15,080
Speaker 3: for sure though books, but if y'all want to help me,

869
00:40:15,160 --> 00:40:17,239
Speaker 3: you know, make it to the Marror times, then they

870
00:40:17,239 --> 00:40:19,680
Speaker 3: don't count audible. You should certainly use your audible credit.

871
00:40:20,040 --> 00:40:22,560
Speaker 3: They don't count audible. They only count like the hardcover books.

872
00:40:22,560 --> 00:40:26,400
Speaker 3: And like you're kidding, I don't think that is, but

873
00:40:26,440 --> 00:40:28,279
Speaker 3: I still say getting you know, like if you got

874
00:40:28,320 --> 00:40:30,279
Speaker 3: a free credit, I still say, you know, get it.

875
00:40:31,320 --> 00:40:33,200
Speaker 1: Then you have both. Then you can take it in

876
00:40:33,239 --> 00:40:35,279
Speaker 1: the car with you or on your walks, and you

877
00:40:35,320 --> 00:40:36,960
Speaker 1: come back home with your cup of coffee, and then

878
00:40:37,000 --> 00:40:38,040
Speaker 1: you keep reading, you know.

879
00:40:38,360 --> 00:40:39,120
Speaker 3: The real book.

880
00:40:39,239 --> 00:40:43,120
Speaker 2: It's like get Good, Get Good, a symphony of on that.

881
00:40:44,680 --> 00:40:46,279
Speaker 2: But if you guys are wanting to get it, should

882
00:40:46,280 --> 00:40:47,120
Speaker 2: be in the show notes.

883
00:40:47,160 --> 00:40:52,080
Speaker 3: But certainly go ahead to Get Good with Money dot Com.

884
00:40:52,320 --> 00:40:54,279
Speaker 3: One of the things that I'm committed to doing is

885
00:40:54,320 --> 00:40:56,640
Speaker 3: that we try to do a rotation of like I

886
00:40:56,719 --> 00:41:00,600
Speaker 3: showcase a black bookstore at the top of the so

887
00:41:00,640 --> 00:41:02,400
Speaker 3: you like, you can order from all those other places,

888
00:41:02,400 --> 00:41:04,120
Speaker 3: and I have all the logos like at Amazon and

889
00:41:04,120 --> 00:41:06,799
Speaker 3: Bonds and Nobles and targeting all those places. But at

890
00:41:06,800 --> 00:41:09,279
Speaker 3: the very very top, I say, want a support a

891
00:41:09,320 --> 00:41:11,839
Speaker 3: black bookstore, So the one that's currently there, depending when

892
00:41:11,840 --> 00:41:13,920
Speaker 3: you're listening. But if you're listening like the week of

893
00:41:13,960 --> 00:41:19,560
Speaker 3: pub date three three thirty two thousand, we'll go me

894
00:41:19,600 --> 00:41:24,800
Speaker 3: two thousand, twenty twenty one. What's currently showcase is bookstore

895
00:41:24,800 --> 00:41:28,040
Speaker 3: in my hometown called Source of Knowledge. It's an amazing

896
00:41:28,600 --> 00:41:30,680
Speaker 3: black owned bookstore in Newark and Manny.

897
00:41:30,719 --> 00:41:31,720
Speaker 2: The story is so amazing.

898
00:41:31,760 --> 00:41:33,879
Speaker 3: So you know, Newark is totally like gentrifying, like trying

899
00:41:33,880 --> 00:41:36,880
Speaker 3: to be Brooklyn, and this black owned bookstore.

900
00:41:36,880 --> 00:41:37,839
Speaker 2: The woman who owns it.

901
00:41:38,480 --> 00:41:41,680
Speaker 3: Nobody wanted to buy anything in Newark, not any business owners.

902
00:41:41,719 --> 00:41:43,880
Speaker 3: She bought the building years ago for pennies because no

903
00:41:43,920 --> 00:41:47,440
Speaker 3: one Newark I we don't want it. Now that downtown

904
00:41:47,520 --> 00:41:52,040
Speaker 3: Newark is like beautifying itself. I mean, big hotels and

905
00:41:52,440 --> 00:41:55,360
Speaker 3: all these things are coming to downtown Newark. They tried

906
00:41:55,360 --> 00:41:57,399
Speaker 3: to buy hers. They bought all the other little mama

907
00:41:57,400 --> 00:41:59,440
Speaker 3: pop stores around her, and she was like nope, I

908
00:41:59,480 --> 00:42:02,759
Speaker 3: want of knowledge black bookstore that carries black books to

909
00:42:02,800 --> 00:42:04,960
Speaker 3: be in the middle of all of that, and they're like,

910
00:42:05,000 --> 00:42:06,120
Speaker 3: what about this, nope, what about that?

911
00:42:06,160 --> 00:42:06,399
Speaker 2: Nope.

912
00:42:06,440 --> 00:42:08,120
Speaker 3: They even tried to buy the air right so they

913
00:42:08,160 --> 00:42:10,520
Speaker 3: can build on top of her, can you imagine? And

914
00:42:10,560 --> 00:42:13,640
Speaker 3: they weren't able to mm hm. And so it's so

915
00:42:14,000 --> 00:42:17,160
Speaker 3: like it's just like the woman who's there. They have

916
00:42:17,280 --> 00:42:19,719
Speaker 3: African masks in there. I used to go in there

917
00:42:19,719 --> 00:42:22,680
Speaker 3: in college and you could just discover so many amazing books.

918
00:42:22,880 --> 00:42:26,359
Speaker 3: I have never seen more black children on books than

919
00:42:26,360 --> 00:42:28,200
Speaker 3: in that bookstore. I didn't even know all these black

920
00:42:28,480 --> 00:42:33,400
Speaker 3: children's books existed. She's got children's books, adult books, romance novels, everything.

921
00:42:33,600 --> 00:42:33,719
Speaker 1: Like.

922
00:42:33,760 --> 00:42:36,680
Speaker 3: It's just so I say all that to say, it's

923
00:42:36,719 --> 00:42:38,960
Speaker 3: currently right at the top of my page if you

924
00:42:39,000 --> 00:42:41,920
Speaker 3: want to support a local black own bookstore, and I

925
00:42:41,920 --> 00:42:44,359
Speaker 3: do a rotation. Before that, I had Mahogamy Books, which

926
00:42:44,400 --> 00:42:46,480
Speaker 3: is they get what they're based at it, but they're

927
00:42:46,480 --> 00:42:49,440
Speaker 3: an amazing bookstore as well, and so I'll just be

928
00:42:49,480 --> 00:42:51,960
Speaker 3: doing a rotation probably like every month or maybe every quarter,

929
00:42:52,560 --> 00:42:54,480
Speaker 3: just to showcase a black owed bookstore so they get

930
00:42:54,520 --> 00:42:55,680
Speaker 3: some shine over there.

931
00:42:56,320 --> 00:42:59,000
Speaker 2: But yeah, this has just been. Like I said, it's been.

932
00:42:58,880 --> 00:43:02,839
Speaker 3: An awesome experience, and just the way it's been rolling out,

933
00:43:03,600 --> 00:43:07,000
Speaker 3: you know, like go to get Goodwi money dot com

934
00:43:07,040 --> 00:43:10,600
Speaker 3: to support take the quiz. There's the toolkit that's there,

935
00:43:11,440 --> 00:43:12,920
Speaker 3: high key, low key. You don't have to pay to

936
00:43:12,920 --> 00:43:14,560
Speaker 3: get the toolkit. Every it's like you're gonna make people pay.

937
00:43:14,600 --> 00:43:16,239
Speaker 3: I'm like, girls, it's just part of the book, you know. Me,

938
00:43:16,320 --> 00:43:19,359
Speaker 3: I love a free like in the tool I do

939
00:43:19,480 --> 00:43:22,200
Speaker 3: because I'm just like the toolkit has all of the

940
00:43:22,239 --> 00:43:25,120
Speaker 3: resources that I listen in the book by chapter. Like

941
00:43:25,280 --> 00:43:28,319
Speaker 3: if I say I have my favorite banks, I list

942
00:43:28,360 --> 00:43:30,680
Speaker 3: my favorite banks. If I say my favorite ways to

943
00:43:30,680 --> 00:43:33,279
Speaker 3: get your credit report, I list them there. So that's like,

944
00:43:33,280 --> 00:43:36,720
Speaker 3: that's what's in the toolkit. So I mean it doesn't

945
00:43:36,760 --> 00:43:38,680
Speaker 3: kind of make sense without the book, but certainly, you know,

946
00:43:38,719 --> 00:43:40,080
Speaker 3: you can stick your head and if you want to

947
00:43:40,080 --> 00:43:42,600
Speaker 3: take a look, look see.

948
00:43:42,960 --> 00:43:46,520
Speaker 2: But yeah, the baby is born.

949
00:43:46,880 --> 00:43:51,440
Speaker 3: Oh and please leave a review five stars. I'm not

950
00:43:51,440 --> 00:43:56,960
Speaker 3: allowed to say that, but and please please please when

951
00:43:57,000 --> 00:43:59,880
Speaker 3: you physically get your book, to post it on social

952
00:44:00,080 --> 00:44:03,239
Speaker 3: and to tag me so I can reshare it. Please, like,

953
00:44:03,360 --> 00:44:06,200
Speaker 3: just you know, Tiffany, I got my book and tag me.

954
00:44:06,360 --> 00:44:09,360
Speaker 3: And so my promise is this, once I get to

955
00:44:09,440 --> 00:44:12,759
Speaker 3: five hundred reviews on Amazon and Bars and Nobles, I'm

956
00:44:12,760 --> 00:44:16,000
Speaker 3: going to do a free mini book club. We'll pick

957
00:44:16,000 --> 00:44:19,239
Speaker 3: a chapter collectively together, we'll read it, and then we'll

958
00:44:19,239 --> 00:44:21,120
Speaker 3: have like a session like a you know, a jam

959
00:44:21,120 --> 00:44:23,359
Speaker 3: session one night, like a two hour session going over

960
00:44:23,440 --> 00:44:23,920
Speaker 3: that chapter.

961
00:44:24,000 --> 00:44:25,120
Speaker 2: So that is my gift to you.

962
00:44:25,200 --> 00:44:28,000
Speaker 3: Once I get to five hundred reviews on Amazon and

963
00:44:28,040 --> 00:44:30,040
Speaker 3: on Barns and Nobles, We'll do a book club for free.

964
00:44:30,520 --> 00:44:32,239
Speaker 1: Oh my gosh, I mean, I just know. I got

965
00:44:32,280 --> 00:44:34,880
Speaker 1: teary eyed when Molly Moore came in the mail. So

966
00:44:34,960 --> 00:44:37,320
Speaker 1: I can't even and I can't wait till Rio is

967
00:44:37,320 --> 00:44:39,080
Speaker 1: big enough to where I trust him to not rip

968
00:44:39,120 --> 00:44:42,640
Speaker 1: the pages and he can actually read it, because that's

969
00:44:42,680 --> 00:44:47,040
Speaker 1: on the way top of the bookshel But yes, I am.

970
00:44:47,320 --> 00:44:49,359
Speaker 1: I am going to contact and if you guys too,

971
00:44:49,360 --> 00:44:51,759
Speaker 1: like Tiffany said, contact your local bookstores and ask if

972
00:44:51,760 --> 00:44:54,560
Speaker 1: they have it, and ask your library, Yes, ask your

973
00:44:54,560 --> 00:44:57,399
Speaker 1: library if they have it. I'm I'm calling. Yes, I'm

974
00:44:57,400 --> 00:44:59,560
Speaker 1: going to call my local bookstore and see if they've

975
00:44:59,560 --> 00:45:02,400
Speaker 1: got it, and then I'm gonna go. I'm gonna get

976
00:45:02,400 --> 00:45:03,919
Speaker 1: in the cart to night, try and go find this. Damn.

977
00:45:04,800 --> 00:45:07,000
Speaker 2: I'll tell you. Barnes and Nobles has it. Just ask them.

978
00:45:07,120 --> 00:45:08,839
Speaker 1: You got me out here in the streets, go.

979
00:45:08,840 --> 00:45:10,759
Speaker 2: To local bars and Nobles saying hey, I'd like gat

980
00:45:10,800 --> 00:45:11,320
Speaker 2: it with money?

981
00:45:11,400 --> 00:45:12,280
Speaker 6: Thanks.

982
00:45:12,560 --> 00:45:16,800
Speaker 1: Yes, I'm gonna say it very loud. There's a best

983
00:45:16,800 --> 00:45:23,400
Speaker 1: selling book that I'm good about by Tiffany Alice. Uh well, seriously, Okay,

984
00:45:23,440 --> 00:45:25,520
Speaker 1: this was so fun. I can't believe this is finally

985
00:45:25,560 --> 00:45:28,000
Speaker 1: we finally talking about the book. It's launching this week.

986
00:45:28,040 --> 00:45:30,400
Speaker 1: You guys, go to get Good with Money dot com.

987
00:45:30,600 --> 00:45:32,799
Speaker 1: Buy a book, and don't just buy one, buy one

988
00:45:32,800 --> 00:45:36,160
Speaker 1: for a friend. College is you know, college graduations coming up.

989
00:45:36,200 --> 00:45:38,000
Speaker 1: I can see this being the book that you don't

990
00:45:38,040 --> 00:45:40,080
Speaker 1: just give to a college grad once, but they carry

991
00:45:40,080 --> 00:45:42,799
Speaker 1: it through them, through with them through the next couple

992
00:45:42,840 --> 00:45:45,480
Speaker 1: decades of their life. Even I'm gonna put this book

993
00:45:45,480 --> 00:45:46,640
Speaker 1: in my estate plan.

994
00:45:46,840 --> 00:45:49,240
Speaker 3: Love you, maybe just text me that her can purchase

995
00:45:49,239 --> 00:45:52,200
Speaker 3: of the of the of the audio version, Mandy. I

996
00:45:52,280 --> 00:45:54,720
Speaker 3: just love at the bottom that you are clearly listening

997
00:45:54,800 --> 00:45:56,800
Speaker 3: to Harry Pottery.

998
00:45:57,000 --> 00:45:58,560
Speaker 2: Because it shows you what she's listening to.

999
00:45:58,600 --> 00:45:58,839
Speaker 4: Curly.

1000
00:45:58,880 --> 00:46:02,080
Speaker 2: I'm oh, I'm gonna come out like that, look at

1001
00:46:02,800 --> 00:46:05,160
Speaker 2: listen to Harry Potter, well by get good money. She's like,

1002
00:46:05,200 --> 00:46:06,800
Speaker 2: I'm an adult, but a kid, but an adult.

1003
00:46:06,880 --> 00:46:09,000
Speaker 1: But I listened to Harry Potter to go to sleep

1004
00:46:09,000 --> 00:46:11,759
Speaker 1: at night. It puts me at ease, don't it's my meditation?

1005
00:46:12,000 --> 00:46:12,239
Speaker 5: Okay.

1006
00:46:12,320 --> 00:46:14,799
Speaker 2: I thought I was like, oh, look, I was like,

1007
00:46:14,800 --> 00:46:17,160
Speaker 2: what's this at the bottom? Hard Potter?

1008
00:46:17,840 --> 00:46:20,319
Speaker 1: I have all seven don't get me? Okay, all right,

1009
00:46:20,360 --> 00:46:22,320
Speaker 1: Well I'm just I'm like, I'm just I can't stop

1010
00:46:22,320 --> 00:46:24,360
Speaker 1: gassing you up because it's like, how often do you

1011
00:46:24,360 --> 00:46:27,400
Speaker 1: get to gas up your friend for their huge book

1012
00:46:27,480 --> 00:46:29,880
Speaker 1: that's coming out. So if it's annoying to you listeners

1013
00:46:29,880 --> 00:46:33,480
Speaker 1: who can love it, thank you so I mean thank you.

1014
00:46:33,520 --> 00:46:37,799
Speaker 1: Thanks Tiffany, Yeah, thank you, thank you and congrats. All right,

1015
00:46:37,800 --> 00:46:39,680
Speaker 1: well let's take a quick break and we're going to

1016
00:46:39,719 --> 00:47:17,440
Speaker 1: come back to answer your questions semi live on the show. Yes,

1017
00:47:19,080 --> 00:47:22,080
Speaker 1: okba fan, we are back. And this is so exciting,

1018
00:47:22,320 --> 00:47:25,360
Speaker 1: so exciting, y'all, especially for eighties babies where it's like,

1019
00:47:25,560 --> 00:47:28,120
Speaker 1: you know, no one uses voicemail anymore, but we are

1020
00:47:28,160 --> 00:47:31,120
Speaker 1: finally able to take y'all's questions. Be a voicemail you

1021
00:47:31,160 --> 00:47:33,759
Speaker 1: can call us to submit your questions to the show.

1022
00:47:33,800 --> 00:47:37,160
Speaker 1: Now again, that number is eight four four eight five

1023
00:47:37,280 --> 00:47:41,200
Speaker 1: eight eight zero eight zero eight four four eight five

1024
00:47:41,200 --> 00:47:43,960
Speaker 1: eight eight zero eight zero. And we're actually we have

1025
00:47:44,120 --> 00:47:46,560
Speaker 1: I hear that we have some voicemail. We have some questions,

1026
00:47:46,960 --> 00:47:50,520
Speaker 1: Is that right, producer Sarah, Yes, we do. Okay, let's

1027
00:47:50,560 --> 00:47:51,920
Speaker 1: hear them. I'm nervous.

1028
00:47:52,000 --> 00:47:54,520
Speaker 2: Yeah, I'm like, look, that's feel very eighties baby.

1029
00:47:55,160 --> 00:47:57,080
Speaker 1: We screamed these right, They're not just gonna be like

1030
00:47:57,320 --> 00:47:58,760
Speaker 1: we hate you.

1031
00:47:58,760 --> 00:47:59,560
Speaker 2: No, they're amazing.

1032
00:48:00,040 --> 00:48:06,080
Speaker 1: It should be all ambition, not brown ambition. Okay, cool,

1033
00:48:06,120 --> 00:48:09,160
Speaker 1: So let's get to our first voicemail. This one's actually

1034
00:48:09,200 --> 00:48:11,040
Speaker 1: just a shout out for you guys. It's super sweet.

1035
00:48:11,280 --> 00:48:11,800
Speaker 1: Here it does.

1036
00:48:12,000 --> 00:48:14,480
Speaker 6: Hello, guys. I just want to say I'm just so

1037
00:48:14,719 --> 00:48:22,400
Speaker 6: proud of you guys and Tiffany. Congratulations on your NAACP nomination.

1038
00:48:22,680 --> 00:48:26,239
Speaker 6: You are such an inspiration and you are just showing

1039
00:48:26,440 --> 00:48:30,840
Speaker 6: us what happens when we show up for ourselves and others.

1040
00:48:31,239 --> 00:48:35,120
Speaker 6: So keep doing your thing. And again, I've been following

1041
00:48:35,160 --> 00:48:39,399
Speaker 6: you guys for a very long time. I'm on Instagram

1042
00:48:39,440 --> 00:48:40,719
Speaker 6: coached by Cabello.

1043
00:48:41,960 --> 00:48:43,200
Speaker 1: Oh that was so sweet.

1044
00:48:43,400 --> 00:48:44,920
Speaker 2: Thank you, Oh, thank you.

1045
00:48:45,160 --> 00:48:48,000
Speaker 3: I didn't win NAACP when it went to Tapatha Brown,

1046
00:48:48,040 --> 00:48:53,000
Speaker 3: which honestly, I voted for her too because she's just amazing. No,

1047
00:48:53,080 --> 00:48:55,480
Speaker 3: I voted for myself as well, but she's just amazing

1048
00:48:55,600 --> 00:48:57,760
Speaker 3: and I didn't feel bad about it at all because

1049
00:48:57,800 --> 00:49:01,520
Speaker 3: I just just to be nominated was an and she

1050
00:49:01,719 --> 00:49:02,440
Speaker 3: truly deserved.

1051
00:49:02,440 --> 00:49:04,480
Speaker 2: I mean, not that said I didn't deserve, but yeah,

1052
00:49:04,600 --> 00:49:05,560
Speaker 2: she truly deserved.

1053
00:49:05,640 --> 00:49:08,440
Speaker 1: My brown Boost was going to be your phenomenal ensemble.

1054
00:49:09,280 --> 00:49:10,880
Speaker 2: Gohrdeous? Thank you?

1055
00:49:11,719 --> 00:49:15,200
Speaker 1: All right, Okay, any more questions? Any more voicemail? Yeah,

1056
00:49:15,239 --> 00:49:17,680
Speaker 1: we have a few more. Here's the next one.

1057
00:49:18,080 --> 00:49:21,439
Speaker 4: Hi, ladies, longtime listener here, so excited that you guys

1058
00:49:21,480 --> 00:49:25,080
Speaker 4: have this voice note option, I love the show. And

1059
00:49:25,400 --> 00:49:29,040
Speaker 4: a quick question for the Custodio Brokeache account. Are you

1060
00:49:29,200 --> 00:49:33,279
Speaker 4: nervous that someone may feel real like social on like

1061
00:49:33,360 --> 00:49:37,200
Speaker 4: his identity out there. I'm just so nervous of doing

1062
00:49:37,280 --> 00:49:41,480
Speaker 4: some things that possibly may cause her to have identity death.

1063
00:49:41,800 --> 00:49:44,319
Speaker 4: What tips or tricks do you have for that? All right,

1064
00:49:44,600 --> 00:49:45,920
Speaker 4: wait to hear back from you guys.

1065
00:49:46,120 --> 00:49:49,839
Speaker 1: Yeah, so we talked a little bit about just you know,

1066
00:49:50,000 --> 00:49:51,839
Speaker 1: how do you when you say for your kids, how

1067
00:49:51,880 --> 00:49:54,640
Speaker 1: you do that, and you're right when you when you

1068
00:49:54,680 --> 00:49:58,000
Speaker 1: fill out a bank application, you know, opening account or

1069
00:49:58,040 --> 00:50:00,480
Speaker 1: what however you call it an application form, they do

1070
00:50:00,600 --> 00:50:04,120
Speaker 1: ask for your child's social Security number. And it's true

1071
00:50:04,160 --> 00:50:07,160
Speaker 1: that babies are like us, you know, they have social

1072
00:50:07,200 --> 00:50:10,839
Speaker 1: Security numbers, and there is you know there Sometimes child

1073
00:50:11,000 --> 00:50:13,440
Speaker 1: children can be the victim of identity theft, although I

1074
00:50:13,480 --> 00:50:16,960
Speaker 1: will say, you know who the most common perpetrator of

1075
00:50:17,080 --> 00:50:22,680
Speaker 1: child identity theft is parents. So as long as you

1076
00:50:22,719 --> 00:50:25,799
Speaker 1: aren't trying to take out some credit in your kid's name,

1077
00:50:25,960 --> 00:50:28,719
Speaker 1: they should be all right. But no, it's a it's

1078
00:50:28,760 --> 00:50:31,520
Speaker 1: a valid it's not specific to you know, opening a

1079
00:50:31,520 --> 00:50:33,759
Speaker 1: bank account for a kid. But yeah, I think you

1080
00:50:33,800 --> 00:50:35,640
Speaker 1: just have to be vigilant the same way you are

1081
00:50:35,640 --> 00:50:38,640
Speaker 1: about your own information. And I will say, I don't

1082
00:50:38,680 --> 00:50:41,080
Speaker 1: know why, but I had this vivid memory in elementary

1083
00:50:41,080 --> 00:50:43,799
Speaker 1: school filling out school forms and you would just write

1084
00:50:43,800 --> 00:50:46,720
Speaker 1: your social security and we're down on paper and lord

1085
00:50:46,840 --> 00:50:49,160
Speaker 1: knows where those went. But I feel like, if you

1086
00:50:49,239 --> 00:50:51,800
Speaker 1: really want to steal some identities, just go into any

1087
00:50:52,400 --> 00:50:54,880
Speaker 1: school principal's office and just root around the file.

1088
00:50:55,440 --> 00:50:57,640
Speaker 2: Someone's like, oh, thanks, great idea. I'll be right back.

1089
00:50:57,800 --> 00:51:04,319
Speaker 1: B yeah, so I think your child. Your child might

1090
00:51:04,400 --> 00:51:07,880
Speaker 1: have a credit report when they get older, so you know,

1091
00:51:07,960 --> 00:51:10,200
Speaker 1: one thing you can do is to check and see

1092
00:51:10,360 --> 00:51:12,560
Speaker 1: around the time they turn sixteen, check and you know,

1093
00:51:12,640 --> 00:51:15,120
Speaker 1: just go to Annualcreditreport dot com and see if you

1094
00:51:15,160 --> 00:51:17,960
Speaker 1: can pull a credit report. If you can and there's

1095
00:51:17,960 --> 00:51:19,960
Speaker 1: stuff on it, then that's a good that's a good

1096
00:51:20,320 --> 00:51:23,840
Speaker 1: hint that there may be something amiss. And and you

1097
00:51:23,840 --> 00:51:26,040
Speaker 1: know from there. So let's say you do find something.

1098
00:51:26,120 --> 00:51:28,920
Speaker 1: You know, someone has applied for a job or a

1099
00:51:28,920 --> 00:51:32,080
Speaker 1: student loan, or a car, or even rented an apartment

1100
00:51:32,120 --> 00:51:35,000
Speaker 1: with your child's information. That is time when you can

1101
00:51:35,160 --> 00:51:37,799
Speaker 1: do something like place a credit freeze, which is when

1102
00:51:38,239 --> 00:51:40,840
Speaker 1: you're not allowed to open new credit without passing a

1103
00:51:40,880 --> 00:51:46,040
Speaker 1: certain number of steps, or even disputing or definitely disputing

1104
00:51:46,120 --> 00:51:50,560
Speaker 1: the fraudulent activity through the three credit bureaus. And I remember,

1105
00:51:50,680 --> 00:51:52,200
Speaker 1: I don't know, I probably told you guys a couple

1106
00:51:52,239 --> 00:51:54,919
Speaker 1: of times. When I was eighteen, I think someone took

1107
00:51:54,920 --> 00:51:56,960
Speaker 1: out a credit card in my name. When did I

1108
00:51:57,000 --> 00:51:59,320
Speaker 1: find out? When I was applying for my first apartment

1109
00:51:59,320 --> 00:52:03,320
Speaker 1: in New York City and I got majorly denied because

1110
00:52:03,400 --> 00:52:05,840
Speaker 1: I had this you know, this horrible mark on my

1111
00:52:05,880 --> 00:52:07,600
Speaker 1: credit report and I had to dispute it and all

1112
00:52:07,600 --> 00:52:12,560
Speaker 1: that stuff, so it can happen. But yeah, that's all

1113
00:52:12,600 --> 00:52:14,200
Speaker 1: anything you want to add to that, tiff.

1114
00:52:14,480 --> 00:52:16,440
Speaker 3: No, I mean all of as you said, honestly that

1115
00:52:16,560 --> 00:52:19,480
Speaker 3: you you can protect your child's credit the way you

1116
00:52:19,640 --> 00:52:22,320
Speaker 3: kind of protect your own. There's certainly like even LifeLock.

1117
00:52:22,360 --> 00:52:24,480
Speaker 3: Honestly you can add like your whole family on. That's

1118
00:52:24,480 --> 00:52:25,920
Speaker 3: what Superman and I do.

1119
00:52:26,480 --> 00:52:29,479
Speaker 2: But I feel like not to say people don't steal

1120
00:52:29,560 --> 00:52:30,560
Speaker 2: children's credit.

1121
00:52:31,000 --> 00:52:35,239
Speaker 3: It's just that there's not much to be gained as

1122
00:52:35,320 --> 00:52:38,160
Speaker 3: much as it like i'd be, you know, definitely, you

1123
00:52:38,160 --> 00:52:40,799
Speaker 3: know be you know you want to have like a

1124
00:52:40,920 --> 00:52:43,719
Speaker 3: keep an ego eye out, but especially for your own

1125
00:52:43,840 --> 00:52:45,600
Speaker 3: quite honestly, because that's what they're that's what they're gone

1126
00:52:45,640 --> 00:52:47,520
Speaker 3: and gun and after because they're more likely to get.

1127
00:52:47,360 --> 00:52:48,040
Speaker 1: More with yours.

1128
00:52:48,080 --> 00:52:52,240
Speaker 3: But but certainly lock it down LifeLock and other services

1129
00:52:52,239 --> 00:52:53,440
Speaker 3: like that if you're nervous about it.

1130
00:52:54,480 --> 00:52:57,279
Speaker 1: Yep, Okay, this is fun. I love hearing y'ell's voice,

1131
00:52:57,320 --> 00:53:00,919
Speaker 1: I know for the question. Okay, last, but not least,

1132
00:53:00,920 --> 00:53:03,359
Speaker 1: who do we have our last one is from Eric

1133
00:53:03,600 --> 00:53:04,360
Speaker 1: in Nashville.

1134
00:53:05,560 --> 00:53:09,000
Speaker 5: Hey MANA sure. Hey, Tiffany, this is Eric from Nashville, Tennessee.

1135
00:53:09,960 --> 00:53:11,759
Speaker 5: I have a quick Dealma, I wanted to know you

1136
00:53:11,760 --> 00:53:13,960
Speaker 5: guys can help me with. I want to get a

1137
00:53:14,000 --> 00:53:17,040
Speaker 5: new card from my birthday in December. I'm currently paying

1138
00:53:17,080 --> 00:53:19,640
Speaker 5: down credit card debt. Now I have a little bit

1139
00:53:19,680 --> 00:53:21,920
Speaker 5: over a balance of eight thousand, but I do have

1140
00:53:22,000 --> 00:53:24,200
Speaker 5: the money in my safe to pay the card off.

1141
00:53:24,600 --> 00:53:27,200
Speaker 5: Should I just pay the card off and pay myself back?

1142
00:53:27,320 --> 00:53:29,359
Speaker 5: Or should I just continue to make the payments until

1143
00:53:29,360 --> 00:53:32,200
Speaker 5: it's fully paid off in November? Please let me know.

1144
00:53:32,880 --> 00:53:38,040
Speaker 1: I love how he called me, Mandra say, Eric from Nashville.

1145
00:53:37,719 --> 00:53:39,200
Speaker 3: I love your accent. First of all, we were just

1146
00:53:39,280 --> 00:53:42,440
Speaker 3: gushing over it. So first of all, love that you're listening.

1147
00:53:42,640 --> 00:53:44,440
Speaker 3: And I know we always talk to the ladies, but

1148
00:53:44,560 --> 00:53:46,479
Speaker 3: you know we got some gentlemen here too as well.

1149
00:53:47,560 --> 00:53:50,960
Speaker 1: All right, so ak in credit card debt, but wants

1150
00:53:50,960 --> 00:53:53,760
Speaker 1: a new card. He mean, he deserves a tiff shouldn't

1151
00:53:53,760 --> 00:53:54,960
Speaker 1: you get a new card for his birthday?

1152
00:53:55,280 --> 00:53:55,560
Speaker 5: Well?

1153
00:53:55,600 --> 00:53:58,480
Speaker 3: We all deserve good things, but it's not about It's

1154
00:53:58,480 --> 00:54:01,160
Speaker 3: not about whether you know you deserve well. I mean,

1155
00:54:01,200 --> 00:54:03,920
Speaker 3: certainly I think that you should have something nice, But

1156
00:54:03,960 --> 00:54:06,319
Speaker 3: what you really deserve above all else is to be

1157
00:54:06,400 --> 00:54:09,560
Speaker 3: able to afford it, not just pay for it. So

1158
00:54:09,640 --> 00:54:13,440
Speaker 3: I'll say this, I don't believe in draining savings in

1159
00:54:13,560 --> 00:54:18,200
Speaker 3: order to pay down debt, only because if twenty twenty

1160
00:54:18,280 --> 00:54:21,239
Speaker 3: is raggedy behind it and teaches nothing is the importance

1161
00:54:21,320 --> 00:54:24,239
Speaker 3: of having some savings yep. And so it makes me

1162
00:54:24,239 --> 00:54:26,560
Speaker 3: a little nervous to be out here without savings out

1163
00:54:26,640 --> 00:54:30,279
Speaker 3: because you're assuming that nothing dramatic or traumatic is going

1164
00:54:30,320 --> 00:54:32,080
Speaker 3: to happen to you financially, that you'll be able to

1165
00:54:32,080 --> 00:54:32,879
Speaker 3: put that money back.

1166
00:54:32,960 --> 00:54:38,640
Speaker 2: What if you can't, then what? And then would it

1167
00:54:38,680 --> 00:54:39,880
Speaker 2: just came to me when I was like, then what

1168
00:54:40,280 --> 00:54:44,000
Speaker 2: it's like, it's a it's a it's a GZ song.

1169
00:54:44,040 --> 00:54:50,280
Speaker 2: And then he said, first like wwe vibes well, JZ

1170
00:54:50,320 --> 00:54:53,359
Speaker 2: has a very WWD. His voice is very So that's

1171
00:54:53,400 --> 00:54:56,920
Speaker 2: what I would say, is that, like, if that eight.

1172
00:54:56,760 --> 00:55:00,360
Speaker 3: Thousand is three months worth of your like you know,

1173
00:55:00,440 --> 00:55:03,600
Speaker 3: your expenses, I'd leave it alone and just be patient.

1174
00:55:03,800 --> 00:55:06,120
Speaker 3: Because here's the thing about birthdays, God willing, they come

1175
00:55:06,160 --> 00:55:09,160
Speaker 3: wrong every year. And the good thing about cars is

1176
00:55:09,200 --> 00:55:10,799
Speaker 3: they don't have to be purchased on your birthday. They

1177
00:55:10,800 --> 00:55:13,239
Speaker 3: could just be purchased so you could tell yourself it's

1178
00:55:13,280 --> 00:55:17,799
Speaker 3: a belated birthday gift when you have it to get

1179
00:55:17,920 --> 00:55:19,799
Speaker 3: you know, I want you to. I just I just

1180
00:55:19,840 --> 00:55:23,520
Speaker 3: feel nervous about you draining savings, especially during times like now.

1181
00:55:24,560 --> 00:55:26,879
Speaker 1: Yeah, And I mean it's sort of like it's the

1182
00:55:26,920 --> 00:55:29,960
Speaker 1: classic conundrum of how do I get to a goal

1183
00:55:30,000 --> 00:55:32,520
Speaker 1: that I want, but I also have some I also

1184
00:55:32,560 --> 00:55:33,840
Speaker 1: have some other things I need to do at the

1185
00:55:33,880 --> 00:55:36,360
Speaker 1: same time. So he wants a car, he wants to

1186
00:55:36,400 --> 00:55:38,160
Speaker 1: pay on his credit card debt, and he wants to

1187
00:55:38,160 --> 00:55:41,440
Speaker 1: not drain his savings. So I would say, if you

1188
00:55:41,480 --> 00:55:43,360
Speaker 1: were to drain your savings to pay off the credit

1189
00:55:43,360 --> 00:55:45,799
Speaker 1: card debt, like Tiffany said, I mean that that might

1190
00:55:46,040 --> 00:55:48,160
Speaker 1: sound okay, because it might sound like a good idea

1191
00:55:48,200 --> 00:55:50,000
Speaker 1: because then you don't have the credit card debt, But

1192
00:55:50,040 --> 00:55:52,000
Speaker 1: then you also don't have cash for a down payment

1193
00:55:52,000 --> 00:55:54,520
Speaker 1: on your car, and you know, you may end up

1194
00:55:54,520 --> 00:55:57,520
Speaker 1: taking out a much longer term auto loan at a

1195
00:55:57,600 --> 00:56:00,680
Speaker 1: higher interest rate, potentially depending on your credit score, and

1196
00:56:00,800 --> 00:56:03,560
Speaker 1: you know, over time you'll spend a lot more paying

1197
00:56:03,560 --> 00:56:05,680
Speaker 1: down that loan than you would if you were able to,

1198
00:56:05,880 --> 00:56:08,160
Speaker 1: you know, make a down payment and take out a

1199
00:56:08,200 --> 00:56:11,239
Speaker 1: smaller loan for your auto loan. So I feel like

1200
00:56:11,320 --> 00:56:14,759
Speaker 1: there's a way to accomplish these goals, but definitely not

1201
00:56:14,960 --> 00:56:17,160
Speaker 1: all at the same time, because, like Tiffany said, you

1202
00:56:17,239 --> 00:56:20,040
Speaker 1: don't want to you don't want to drain your savings account,

1203
00:56:20,040 --> 00:56:22,839
Speaker 1: so then you don't have any safety net. I would

1204
00:56:22,880 --> 00:56:25,200
Speaker 1: say the debt is a pressing concern, especially if it's

1205
00:56:25,360 --> 00:56:27,520
Speaker 1: credit card debt. And I mean, if you were able

1206
00:56:27,560 --> 00:56:29,560
Speaker 1: to save eight thousand, I feel like you can definitely

1207
00:56:30,080 --> 00:56:33,520
Speaker 1: maybe put pause on contributing heavily to your savings account

1208
00:56:33,560 --> 00:56:36,160
Speaker 1: and put that extra money instead toward your debt, you know,

1209
00:56:36,320 --> 00:56:38,400
Speaker 1: especially if, like Tiffany said, if that's three months of

1210
00:56:38,440 --> 00:56:40,839
Speaker 1: your savings or more, then I think you're in a

1211
00:56:40,880 --> 00:56:43,200
Speaker 1: good place where you could say, Okay, cool, got it,

1212
00:56:43,280 --> 00:56:47,040
Speaker 1: got a safety net. Now let's start putting everything I

1213
00:56:47,080 --> 00:56:50,280
Speaker 1: can toward this other debt. And then when you feel

1214
00:56:50,400 --> 00:56:53,920
Speaker 1: confident that you have money, you have your debt paid down,

1215
00:56:54,239 --> 00:56:56,040
Speaker 1: and then you have some money to put down on

1216
00:56:56,080 --> 00:56:58,880
Speaker 1: a car, get a car that you can afford. I

1217
00:56:58,920 --> 00:57:03,000
Speaker 1: can't say it enough. Auto debt is like Americans love

1218
00:57:03,040 --> 00:57:05,560
Speaker 1: them some auto debt, and you know it's it.

1219
00:57:05,920 --> 00:57:07,160
Speaker 2: Does I get it?

1220
00:57:07,200 --> 00:57:10,200
Speaker 1: We need cars to get around, but I just don't

1221
00:57:10,239 --> 00:57:13,440
Speaker 1: want I don't feel like people just sometimes take on

1222
00:57:13,719 --> 00:57:15,839
Speaker 1: way more auto debt than they need, they get more

1223
00:57:15,840 --> 00:57:19,720
Speaker 1: cars than they absolutely need because of appearances. I'm just

1224
00:57:19,760 --> 00:57:21,920
Speaker 1: gonna say it, and I'm not saying that's what you're after. Eric,

1225
00:57:21,960 --> 00:57:24,240
Speaker 1: you sound like a very humble gentleman, just trying to

1226
00:57:24,240 --> 00:57:26,880
Speaker 1: make your way in this crazy world. But yeah, I

1227
00:57:26,920 --> 00:57:30,280
Speaker 1: definitely think about what you can afford. And I love

1228
00:57:30,360 --> 00:57:34,080
Speaker 1: the what is it the four ten twenty rule for

1229
00:57:34,200 --> 00:57:36,200
Speaker 1: buying a car? Dang it, I'm not to google it

1230
00:57:36,200 --> 00:57:39,120
Speaker 1: because I always forget what it is. AH, help me

1231
00:57:39,160 --> 00:57:43,800
Speaker 1: out here, wait, four ten twenty rule for cars. I'm

1232
00:57:43,800 --> 00:57:46,000
Speaker 1: gonna put this in the in the show notes. So

1233
00:57:46,040 --> 00:57:48,040
Speaker 1: you should only buy a car. This is a rule

1234
00:57:48,040 --> 00:57:49,640
Speaker 1: of thumb. I don't have to like follow it completely,

1235
00:57:49,920 --> 00:57:51,360
Speaker 1: but a good rule of thumb. When you can make

1236
00:57:51,360 --> 00:57:54,560
Speaker 1: a twenty percent down payment, when you're financing the car

1237
00:57:54,640 --> 00:57:57,880
Speaker 1: for four years or less, and the total cost of

1238
00:57:57,880 --> 00:58:02,280
Speaker 1: your monthly car expenses so like insurance, gas, and the

1239
00:58:02,320 --> 00:58:07,200
Speaker 1: actual car note doesn't exceed ten percent of your gross income,

1240
00:58:07,480 --> 00:58:09,200
Speaker 1: that's the twenty four to ten rule. I kind of

1241
00:58:09,200 --> 00:58:11,240
Speaker 1: got it right, that's a good rule of thing to

1242
00:58:11,280 --> 00:58:13,240
Speaker 1: start when you actually start shopping for a car.

1243
00:58:14,000 --> 00:58:14,680
Speaker 2: I agree.

1244
00:58:15,200 --> 00:58:17,600
Speaker 1: All right, Well, thank y'all so much for setting in

1245
00:58:17,640 --> 00:58:20,440
Speaker 1: your questions again. Hit us up eight four four eight

1246
00:58:20,560 --> 00:58:23,800
Speaker 1: five eight eight zero eight zero eight for four A

1247
00:58:23,960 --> 00:58:27,600
Speaker 1: five eight eight zero eight zero. We're gonna come up

1248
00:58:27,640 --> 00:58:27,800
Speaker 1: with a.

1249
00:58:27,800 --> 00:58:29,960
Speaker 2: Jingle, Yes we do.

1250
00:58:30,040 --> 00:58:31,360
Speaker 1: There's a lot of eight's in there.

1251
00:58:31,480 --> 00:58:32,800
Speaker 2: I don't know, there'seah four eights.

1252
00:58:32,840 --> 00:58:34,560
Speaker 3: I gotta do something, and I like, say, eight zero

1253
00:58:34,560 --> 00:58:37,280
Speaker 3: eight zero is like do we do like eighty eighty?

1254
00:58:37,880 --> 00:58:39,520
Speaker 3: You know, like I feel like we should come up

1255
00:58:39,520 --> 00:58:41,960
Speaker 3: with the jingles that's very much like, you know, nineteen

1256
00:58:42,040 --> 00:58:45,320
Speaker 3: nineties like one eight hundred and five eight two a

1257
00:58:45,480 --> 00:58:48,200
Speaker 3: so empire, you know, like the Empire tires?

1258
00:58:48,280 --> 00:58:50,120
Speaker 2: Is it tires? I don't know what they'd sold, but

1259
00:58:50,200 --> 00:58:52,040
Speaker 2: either way, we need to come up with a very

1260
00:58:52,120 --> 00:58:56,160
Speaker 2: nineties jingle. We'll do it. Hey, well, if you got.

1261
00:58:56,040 --> 00:58:59,760
Speaker 3: A jingle, I mean, we would love I mean, here's

1262
00:58:59,800 --> 00:59:01,360
Speaker 3: the thing. I mean, many is probably gonna be like

1263
00:59:01,360 --> 00:59:03,840
Speaker 3: what we didn't discuss this, but I'd love to hear

1264
00:59:03,880 --> 00:59:05,640
Speaker 3: your version of my Hey hey, hey.

1265
00:59:05,480 --> 00:59:08,440
Speaker 2: We're black. We're black. We're black, We're brown. Ambition I

1266
00:59:08,440 --> 00:59:09,320
Speaker 2: would love to hear that.

1267
00:59:10,760 --> 00:59:12,960
Speaker 1: Oh yeah, I'm all about that. Why use a voicemail? Well,

1268
00:59:12,960 --> 00:59:14,480
Speaker 1: first of all, Sarah's like, I don't want to listen

1269
00:59:14,480 --> 00:59:15,840
Speaker 1: to a bunch of people warbling.

1270
00:59:17,720 --> 00:59:20,120
Speaker 3: If it sounds cute, we might open with chill girl,

1271
00:59:20,640 --> 00:59:22,240
Speaker 3: do you bo if you.

1272
00:59:22,160 --> 00:59:25,200
Speaker 1: Can make a jingle out of our radio number, I

1273
00:59:25,200 --> 00:59:27,320
Speaker 1: would I would definitely be down to share that on

1274
00:59:27,360 --> 00:59:30,120
Speaker 1: the show. Eight four four eight five eight eight zero

1275
00:59:30,200 --> 00:59:32,640
Speaker 1: eight zero. That's all the bitcher all you'll have. Oh

1276
00:59:32,680 --> 00:59:35,480
Speaker 1: and we're called brown Ambition. There you go go fourth

1277
00:59:35,520 --> 00:59:39,000
Speaker 1: and conquer. Might you want to do an intro for

1278
00:59:39,080 --> 00:59:39,800
Speaker 1: boost and break?

1279
00:59:40,120 --> 00:59:40,360
Speaker 2: Yes?

1280
00:59:41,320 --> 00:59:47,720
Speaker 3: Now it time to boost break or booster break or

1281
00:59:48,200 --> 00:59:49,960
Speaker 3: booster break?

1282
00:59:50,920 --> 00:59:55,240
Speaker 2: Are you going boost? Are you going to break? You

1283
00:59:55,360 --> 00:59:56,840
Speaker 2: on boost? You're going break?

1284
00:59:57,200 --> 01:00:00,720
Speaker 1: I can hear Rea all he's having a ball to

1285
01:00:00,880 --> 01:00:01,720
Speaker 1: feel bad for him.

1286
01:00:03,120 --> 01:00:05,600
Speaker 2: Oh, manager, are you gonna boost? Or are you going

1287
01:00:05,680 --> 01:00:06,840
Speaker 2: to break?

1288
01:00:07,120 --> 01:00:09,320
Speaker 1: I have to do a break because Georgia is up

1289
01:00:09,360 --> 01:00:15,439
Speaker 1: to no good. Georgia, you saved us and now you're

1290
01:00:15,440 --> 01:00:19,120
Speaker 1: trying to undo it. Well, lixten, I will keep this brief,

1291
01:00:19,160 --> 01:00:25,240
Speaker 1: but essentially in Georgia, Georgia Republicans passed a sweeping voter

1292
01:00:26,360 --> 01:00:30,280
Speaker 1: law that pretty much is a new form of Jim

1293
01:00:30,320 --> 01:00:33,640
Speaker 1: Crow in a way. It has restricted voting access in

1294
01:00:33,720 --> 01:00:38,240
Speaker 1: the state. It's making it more difficult to bring proper identifications,

1295
01:00:38,280 --> 01:00:42,200
Speaker 1: so it's increasing the voter identification requirements for absentee voting.

1296
01:00:42,760 --> 01:00:47,000
Speaker 1: It's sorry, absentee balloting. It's limiting drop boxes. Those were

1297
01:00:47,040 --> 01:00:49,520
Speaker 1: the really cool, you know drop boxes you could use

1298
01:00:49,560 --> 01:00:51,480
Speaker 1: in the pandemic to save your life. You have to

1299
01:00:51,480 --> 01:00:55,680
Speaker 1: stay in line, and they are expanding the state legislator's

1300
01:00:55,720 --> 01:00:59,760
Speaker 1: power over elections. So it actually makes Georgia, this is

1301
01:00:59,840 --> 01:01:02,640
Speaker 1: a coin to the New York Times, the first major

1302
01:01:02,720 --> 01:01:07,640
Speaker 1: battleground to overhaul its election system since last year's presidential contests.

1303
01:01:07,680 --> 01:01:12,320
Speaker 1: So it's ironic that everyone praised Georgia, especially if you were,

1304
01:01:12,400 --> 01:01:14,800
Speaker 1: you know, voting Democrat and wanted a certain election outcome.

1305
01:01:15,480 --> 01:01:19,280
Speaker 1: You know, Georgia went blue for the first time in decades,

1306
01:01:19,480 --> 01:01:22,720
Speaker 1: and it just goes to show you it doesn't matter.

1307
01:01:23,200 --> 01:01:25,720
Speaker 1: It does matter who the president is, don't get me wrong,

1308
01:01:25,880 --> 01:01:28,160
Speaker 1: but it matters even more to pay attention to what's

1309
01:01:28,160 --> 01:01:32,160
Speaker 1: happening on your state Capitol hill and your state legislature.

1310
01:01:32,320 --> 01:01:35,360
Speaker 1: So if you're listening and you're from Georgia. Make noise.

1311
01:01:35,440 --> 01:01:38,120
Speaker 1: You know, even though this law has passed, it's being

1312
01:01:38,200 --> 01:01:42,560
Speaker 1: widely widely disputed, So make some noise. Voting rights groups

1313
01:01:42,600 --> 01:01:45,800
Speaker 1: like Stacy Abram's Fair Fight Action that I've been supporting

1314
01:01:45,800 --> 01:01:48,360
Speaker 1: for a long time, they are out there making noise,

1315
01:01:48,440 --> 01:01:53,200
Speaker 1: and they're asking businesses to withdraw support of certain candidates

1316
01:01:53,200 --> 01:01:56,959
Speaker 1: and certain legislators who have voted for this particular peace

1317
01:01:56,960 --> 01:01:59,800
Speaker 1: of legislation. But yeah, it's really really terrifying. This is

1318
01:01:59,840 --> 01:02:02,640
Speaker 1: not the direction that I think we should be going.

1319
01:02:02,760 --> 01:02:05,360
Speaker 1: Voting should be getting easier, it should not be getting harder.

1320
01:02:05,880 --> 01:02:10,680
Speaker 1: It's really just a very thinly veiled effort to suppress

1321
01:02:11,280 --> 01:02:15,000
Speaker 1: votes that are not convenient to a certain political party.

1322
01:02:15,120 --> 01:02:17,800
Speaker 1: So want, Want, Want, But that's my break.

1323
01:02:18,560 --> 01:02:19,680
Speaker 2: Oh yes, I saw that.

1324
01:02:19,760 --> 01:02:22,919
Speaker 3: I was like, thankfully Stacey Abrams, you know, she is

1325
01:02:23,160 --> 01:02:26,280
Speaker 3: very clear and understanding what this is. They're calling these

1326
01:02:26,280 --> 01:02:31,040
Speaker 3: like Jim Crow laws basically, and so yeah, so I

1327
01:02:32,040 --> 01:02:34,320
Speaker 3: had an original boost, but it's it flew the coup

1328
01:02:34,360 --> 01:02:36,240
Speaker 3: because you know, brains in eighty.

1329
01:02:36,880 --> 01:02:38,800
Speaker 2: So instead I am going to boost one of.

1330
01:02:38,800 --> 01:02:42,200
Speaker 3: My favorite Instagram accounts because he does these cartoons. So

1331
01:02:42,640 --> 01:02:45,720
Speaker 3: the guy's name is a vision poet right vision v

1332
01:02:45,920 --> 01:02:49,280
Speaker 3: I s io n poet p o e T So

1333
01:02:49,440 --> 01:02:53,200
Speaker 3: his Instagram account he is a poet from Philly and

1334
01:02:53,280 --> 01:02:55,080
Speaker 3: I'm as someone where around the same age, just because

1335
01:02:55,080 --> 01:02:56,560
Speaker 3: like the stuff that he talks about. I'm like, oh yeah,

1336
01:02:56,600 --> 01:03:00,360
Speaker 3: yeah imb those times. So he does poetsr. But that's

1337
01:03:00,360 --> 01:03:02,720
Speaker 3: not what makes his Instagram account so great. He's got

1338
01:03:03,240 --> 01:03:07,080
Speaker 3: this animated series that he's created that he calls trasht

1339
01:03:07,240 --> 01:03:10,800
Speaker 3: Piece instead of masterpiece but trash trash to piece theater

1340
01:03:11,560 --> 01:03:15,160
Speaker 3: where he tells stories about his trash youth, meaning like

1341
01:03:15,160 --> 01:03:18,440
Speaker 3: when he was basically like you know, a terrible boyfriend

1342
01:03:18,680 --> 01:03:21,680
Speaker 3: or like you know or just like him and his friends.

1343
01:03:21,680 --> 01:03:26,360
Speaker 3: But they are hilarious and the fact that they are

1344
01:03:26,600 --> 01:03:30,360
Speaker 3: animated and he's made them, I just to me, it's

1345
01:03:30,400 --> 01:03:32,600
Speaker 3: like much watch must watch EV. I think he posts

1346
01:03:32,600 --> 01:03:36,040
Speaker 3: like a new one every Sunday. When I say hilarious

1347
01:03:36,400 --> 01:03:39,760
Speaker 3: and like the most buttoned up people, I will see

1348
01:03:39,800 --> 01:03:42,040
Speaker 3: like in the comments or liking, I'm like you watch too.

1349
01:03:42,520 --> 01:03:44,800
Speaker 3: It's not like he's it's not like he's got like

1350
01:03:44,840 --> 01:03:47,360
Speaker 3: a thousands well he does have thousands of them, but

1351
01:03:47,440 --> 01:03:49,720
Speaker 3: not like hundreds of thousands of followers or anything like that.

1352
01:03:50,040 --> 01:03:54,920
Speaker 3: But he is hilarious like these because you're like, oh

1353
01:03:54,920 --> 01:03:57,760
Speaker 3: my god, I remember those times. What it's just really good.

1354
01:03:57,760 --> 01:03:59,240
Speaker 3: And like I said, I think they he dropped a

1355
01:03:59,240 --> 01:04:01,320
Speaker 3: new one every Sunday. You're definitely gonna go down a

1356
01:04:01,360 --> 01:04:04,040
Speaker 3: rabbit hole and watch all of them. He's really really,

1357
01:04:04,080 --> 01:04:06,080
Speaker 3: really funny and it just kind of takes you back

1358
01:04:06,080 --> 01:04:08,880
Speaker 3: for me anyway, since you know, I was I'm forty one.

1359
01:04:08,960 --> 01:04:11,000
Speaker 3: Like like I said, he's the way the things that

1360
01:04:11,040 --> 01:04:13,800
Speaker 3: he talks about like so reminiscent. So if you're in

1361
01:04:13,800 --> 01:04:16,240
Speaker 3: my age range, I think you'll find true delight in

1362
01:04:16,280 --> 01:04:17,520
Speaker 3: them as you shake your head.

1363
01:04:17,680 --> 01:04:19,320
Speaker 2: So that is my boost, you know.

1364
01:04:19,360 --> 01:04:22,320
Speaker 3: Sometimes I like give him shouts to Instagram and accounts that,

1365
01:04:22,400 --> 01:04:25,320
Speaker 3: you know, bring a little joy, you know, to.

1366
01:04:25,320 --> 01:04:27,840
Speaker 1: Anyone who's followed by the budget needs to request love

1367
01:04:27,840 --> 01:04:30,919
Speaker 1: and Tiffany Nudis okay.

1368
01:04:30,600 --> 01:04:31,280
Speaker 2: Oh they followed.

1369
01:04:31,360 --> 01:04:33,160
Speaker 3: Yeah, so I didn't know that, but like yeah, and

1370
01:04:33,200 --> 01:04:37,240
Speaker 3: I really yeah, he's just when I say hilarious, you

1371
01:04:37,280 --> 01:04:39,800
Speaker 3: watch and you are just a giggling like, oh my gosh.

1372
01:04:39,880 --> 01:04:41,560
Speaker 3: And the usually about like maybe like three or four minutes,

1373
01:04:41,600 --> 01:04:43,440
Speaker 3: maybe five minutes, I don't even know, but they're just

1374
01:04:43,520 --> 01:04:47,600
Speaker 3: really really well done. Funny, yeah, just hilarious. Or I

1375
01:04:47,680 --> 01:04:49,400
Speaker 3: just encourage you if you're just looking for like a

1376
01:04:49,400 --> 01:04:52,200
Speaker 3: little space away. He has serious stuff on there, you know,

1377
01:04:52,240 --> 01:04:53,960
Speaker 3: which is great. You know, indulge, but you know, if

1378
01:04:53,960 --> 01:04:57,280
Speaker 3: you need a little breakaway, I suggest you do.

1379
01:04:57,440 --> 01:04:58,640
Speaker 2: You go ahead and do all that.

1380
01:05:00,280 --> 01:05:03,919
Speaker 3: If you have not already, head to your local brown

1381
01:05:04,600 --> 01:05:05,280
Speaker 3: Browns and Nobles.

1382
01:05:06,720 --> 01:05:09,880
Speaker 1: Can you imagine, I know, to.

1383
01:05:09,880 --> 01:05:12,680
Speaker 3: Your local Barns And oh this is what I remember

1384
01:05:12,920 --> 01:05:15,360
Speaker 3: my real boost. I just wanted to give a boost

1385
01:05:15,360 --> 01:05:18,320
Speaker 3: to doctor Green, just like the breakthroughs I've been having

1386
01:05:18,600 --> 01:05:20,280
Speaker 3: have been and I'll share them, like like it was

1387
01:05:20,280 --> 01:05:22,240
Speaker 3: a really good lesson that I learned in our last session.

1388
01:05:22,240 --> 01:05:23,240
Speaker 3: I want to share it with you guys. You know

1389
01:05:23,280 --> 01:05:24,960
Speaker 3: how I like to share because I think it's gonna

1390
01:05:24,960 --> 01:05:28,080
Speaker 3: be so helpful for someone. That's what my boost was.

1391
01:05:28,120 --> 01:05:30,800
Speaker 3: But so I'll share it, you know, you know, next week.

1392
01:05:30,880 --> 01:05:35,040
Speaker 3: But just like I just see and feel the growth

1393
01:05:35,200 --> 01:05:37,320
Speaker 3: she gave me, like a standing ovation, I mean via zoom,

1394
01:05:37,560 --> 01:05:39,560
Speaker 3: because I shared with her something that I did and

1395
01:05:39,600 --> 01:05:41,920
Speaker 3: she was like, just a minute ago, you was afraid

1396
01:05:41,960 --> 01:05:42,720
Speaker 3: to do this small thing.

1397
01:05:42,760 --> 01:05:44,640
Speaker 2: Now look at you over here doing big things.

1398
01:05:44,640 --> 01:05:47,760
Speaker 3: Tiffany, and so I've just been growing so much and

1399
01:05:47,840 --> 01:05:50,040
Speaker 3: just like just the power of asking for help, whether

1400
01:05:50,040 --> 01:05:53,600
Speaker 3: it's therapy or coaching or in between. And like I said,

1401
01:05:53,640 --> 01:05:55,080
Speaker 3: I can't wait to share the lesson because it was

1402
01:05:55,120 --> 01:05:57,120
Speaker 3: so profound for me, and I know that someone's gonna

1403
01:05:57,120 --> 01:05:59,400
Speaker 3: get great value from it. So I'm going to make

1404
01:05:59,400 --> 01:06:01,520
Speaker 3: myself a nope so my brain does not forget again.

1405
01:06:01,880 --> 01:06:03,480
Speaker 3: But yeah, that's that's it for me.

1406
01:06:04,160 --> 01:06:06,880
Speaker 1: I loves it. And Mental Health Awareness Month is coming up.

1407
01:06:06,920 --> 01:06:12,760
Speaker 1: I feeling we need to make that a moment. Okay, well, congratative.

1408
01:06:13,000 --> 01:06:15,640
Speaker 1: This is You're only gonna get your book launch, your

1409
01:06:15,680 --> 01:06:21,640
Speaker 1: first book launch, major published book launch week once, I think, right,

1410
01:06:21,760 --> 01:06:24,360
Speaker 1: So I hope you find some time to enjoy it

1411
01:06:24,400 --> 01:06:27,400
Speaker 1: even though I know you're working so so hard this week.

1412
01:06:27,840 --> 01:06:29,440
Speaker 1: Just let me know if you need me to hype

1413
01:06:29,520 --> 01:06:31,080
Speaker 1: you know where you want me to show up with

1414
01:06:31,160 --> 01:06:35,439
Speaker 1: the confetti, the champagne that I'll drink myself we need.

1415
01:06:36,200 --> 01:06:39,040
Speaker 1: I'm so so proud of you the same amazing

1416
01:06:39,600 --> 01:07:00,240
Speaker 2: Go to keeke Goos money dot com