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Speaker 1: Hey, hey, hey, we're back, We're black, We're round.

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Speaker 2: And this I was trying to hit you with the

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Speaker 2: bass there.

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Speaker 3: Coming in with the with the alto. Were you an alto?

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Speaker 3: Sopranos is alto high?

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Speaker 2: That sounds like a high.

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Speaker 1: No, sopranos are the high ones. The altos are the

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Speaker 1: for women are the low ones.

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Speaker 2: I was never anything regarding vocal prowess. I was, however,

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Speaker 2: first chair of clarinets in the concert band at Fayette

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Speaker 2: High School in Faithful, Georgia. I'll have you know. The

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Speaker 2: concert band was the lesser band than the symphony band.

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Speaker 2: So I was the best worst clarinet player, and I

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Speaker 2: wore you know what, first chair. I was like the bombsa.

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Speaker 2: You could not tell me anything about my clarinet skills.

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Speaker 3: It was, what are you crazy?

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Speaker 2: It's great being the captain of the bad clarinet players

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Speaker 2: because the bar is so low and you're the best

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Speaker 2: out of all of them. So honestly, oh, I come

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Speaker 2: at me like it's like you set your expectations low

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Speaker 2: and you end up happier.

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Speaker 3: Right now, Well, I I was. I never.

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Speaker 1: I mean I sang in choir only because the school

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Speaker 1: that I went to, especially the middle school that I

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Speaker 1: went to was like heavy on choir, which is now

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Speaker 1: I look back on it, that was odd, like everyone

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Speaker 1: saying in choir whatever choir.

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Speaker 3: I mean, I wasn't some great singer, but it was

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Speaker 3: for fun.

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Speaker 2: Yeah.

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Speaker 1: But what I did joined in high school was I

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Speaker 1: joined the step team.

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Speaker 3: Because I grew up in a largely Caucasian.

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Speaker 2: I'm surprised they even had a step team. Based on

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Speaker 2: what you've told me about your school, what.

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Speaker 3: It was, I think it had to be.

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Speaker 1: Maybe it was like sophomore year there was a young

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Speaker 1: brown sister named Cherrelle that moved from Newark to Westfield.

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Speaker 1: Shout out to you, Charrell. So Charrell brought with her

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Speaker 1: all these wonder for black things and we were like, oh,

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Speaker 1: what's that?

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Speaker 2: So she was like the first because you know, when

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Speaker 2: expectations are low, like you know, like you come to

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Speaker 2: a new school where there aren't very many black kids

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Speaker 2: and you're the black kid who knows how to do step,

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Speaker 2: then you're like first chair of the step dancers, like

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Speaker 2: you might have been a mediocre step dancer, you know

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Speaker 2: what I mean.

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Speaker 3: Like she was the coolest.

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Speaker 1: We were like Sorelle teaches your teachers, your Black Day, Yes,

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Speaker 1: like the.

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Speaker 3: Five Black Kids.

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Speaker 1: So she brought step to us and let's just say

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Speaker 1: I was all the way back. I was so terrible,

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Speaker 1: but I was determined. I said, oh no, I'm going

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Speaker 1: to be.

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Speaker 2: On the side. Yea, I need.

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Speaker 1: I was terrible, but I will say it was really

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Speaker 1: a lot of fun. But yeah, so that was my

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Speaker 1: that was my horrible group participation. But it was, like

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Speaker 1: I said, it was a lot of fun. Although she

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Speaker 1: was like, girl, you have to go all the way

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Speaker 1: in the back because you.

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Speaker 3: Are off off with them. How are you gonna be

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Speaker 3: African with no rhythm?

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Speaker 2: See, that's the thing that's like, It's so the stereotype

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Speaker 2: works against you. It's the same thing with my husband,

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Speaker 2: and well, bless his heart, he's not the best dancer.

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Speaker 2: Like he dances though, and it's hard for people out there.

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Speaker 2: It's hard to find a partner who will like dance

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Speaker 2: with you at the wedding or at the friends event

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Speaker 2: or whatever, you know. So he would try. But if

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Speaker 2: the Latin song feels like a but shot that comes

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Speaker 2: on mangue, he's sitting his butt down real fast. And

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Speaker 2: his younger brother can really dance and soak in his

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Speaker 2: fiance and any way, he gets a lot of shit

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Speaker 2: for for not being like the best but Shota dancer,

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Speaker 2: And you know, I'm sad for him because the expectations

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Speaker 2: are too hot. Meanwhile, I just swing my hips and

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Speaker 2: they're like oh, like they're like, yeah, I look at

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Speaker 2: that one, because again, low expectations. We should just title

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Speaker 2: this show Low Expectations. Yeah. I once had an idea

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Speaker 2: for a book that every time, but every time I

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Speaker 2: described it, it made me sound so sad. But I

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Speaker 2: and every time I tried to explain the premise, people

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Speaker 2: will look at me like are you okay? Because my

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Speaker 2: whole idea was it was literally a book about how

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Speaker 2: everyone would be happier if we just expected less from everything.

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Speaker 2: Expected less from your partner, you're going to find expected

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Speaker 2: less from the job that you have. And I think

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Speaker 2: I still think that this is true. I believe science

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Speaker 2: would back me up on this. When you have less

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Speaker 2: expectations for what an outcome will be, or lower expectations

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Speaker 2: than you end up being happier because you're grateful that

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Speaker 2: anything happened, you know what I mean. But yeah, but

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Speaker 2: that's just so against the American mindset around and I'm

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Speaker 2: not trying to get too philosophical. But I ended up

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Speaker 2: just like, stop talking about it because people will look

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Speaker 2: at me like, like I was, you know, had four heads.

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Speaker 3: What do you mean maybe like less is less.

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Speaker 2: Stratified with like less than excellence? What satisfied with like

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Speaker 2: a partner who can't be you know all seventy five

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Speaker 2: different friends and family and sexual God and God? Is

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Speaker 2: that you need in your life? What? No no one

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Speaker 2: wants to like admit.

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Speaker 1: That, admit now that maybe they're not having like you know,

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Speaker 1: well whatever, because I'm just like that I love that

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Speaker 1: it won't get better than this.

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Speaker 2: No one wants I'm saying it. I'm like, we're brown ambition,

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Speaker 2: not not brown. It's okay brown.

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Speaker 3: So so but like he comes back.

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Speaker 1: So I know last week we talked about a hard conversation,

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Speaker 1: So I had one today. Okay, Oh my gosh, I

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Speaker 1: want to tell you all day stress stress, stressed like

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Speaker 1: thought about him, literally took a walk beforehand, took a nap,

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Speaker 1: like stomach and bubble guts, sweating, and I'm like, Tiffany,

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Speaker 1: really all leading up to this conversation and it just

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Speaker 1: it went.

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Speaker 2: Okay, we would know what but Baltimore, what how long

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Speaker 2: had like, how long was this conversation coming? Did you

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Speaker 2: ask for it? Had it been hearing for a while?

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Speaker 2: Saying any specifics about what it was about, Well, I'll

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Speaker 2: say it's about money. I'll just leave it at that.

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Speaker 2: That Like, so, ye, it was about money. And it

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Speaker 2: was just.

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Speaker 1: Like I said, I'm was I told myself this is

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Speaker 1: what I told myself to kind of feel better. I

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Speaker 1: was like, before the conversation, I was like, you know, Tippy,

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Speaker 1: I know your stomach's inns, I know you feel like

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Speaker 1: a little uncomfortable, But guess what, girl, You're about to

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Speaker 1: have this conversation and that that is done.

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Speaker 3: Girl, that's done. That's my move. Yeah, no, it's not done.

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Speaker 1: I didn't anticipate that some hard conversations are actually hard

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Speaker 1: conversations plural.

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Speaker 3: Okay, so it's not it's not it's not resolved.

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Speaker 1: If it wasn't some like no knockdown, drag out like

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Speaker 1: bite or anything like that. But it's just it's not

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Speaker 1: resolved to more conversations to be had. And I'm like,

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Speaker 1: are you freaking kidding me? Like that was the one

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Speaker 1: thing I was leading on.

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Speaker 2: Well do you at least so what was do you

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Speaker 2: think that it's leading to more conversations because the first

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Speaker 2: conversation was so hard, and like, well, yeah, so just

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Speaker 2: tell me more, like what happened in the first conversation

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Speaker 2: And was it just that there was so much to

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Speaker 2: unpack that you realize is it like the meeting that

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Speaker 2: you think is going to be half an hour and

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Speaker 2: then you end up we need really need to do

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Speaker 2: twenty different things and we need to have some follow

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Speaker 2: up meeting to discuss and make sure we really cover

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Speaker 2: it cover our tracks.

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Speaker 3: Well, yeah, it was.

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Speaker 1: It was, well, this is not like this is actually

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Speaker 1: the second of the com first the first time it

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Speaker 1: didn't it was only like like five minutes because we

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Speaker 1: didn't have much time.

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Speaker 3: I was like, okay, we will reconvene.

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Speaker 1: And like talk about it next week and just like

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Speaker 1: really like lean into it. So I was like great,

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Speaker 1: even though the first time we talked about we were

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Speaker 1: supposed to really talk about it, but we just didn't

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Speaker 1: get a chance because it was like, you know, time

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Speaker 1: was like running thin and I'm like, damn it, I've

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Speaker 1: been in Nots all week to talk about it and

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Speaker 1: it's only like five minutes literally.

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Speaker 3: Like, hey, we we really should talk about this.

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Speaker 1: Thing, and I'm just like, ah, but I you know,

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Speaker 1: because I had already saved them all the anxiety. Yeah,

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Speaker 1: and so today I was like, no, we're plucked, We're

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Speaker 1: we're plowing ahead. And I just was like, you know,

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Speaker 1: plowing ahead, sharing how I found. She was sharing how

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Speaker 1: she felt and like and it wasn't like I said

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Speaker 1: it was. There was no yelling or anything. It was

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Speaker 1: like super calm, and but it was very clear that

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Speaker 1: it was like, yep, we both agreed that we don't agree.

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Speaker 1: And I was like, wait, well, I'm not gonna lie.

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Speaker 3: I had not planned for that. Oh I did not.

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Speaker 2: Oh oh so you expected to. You expected to kind

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Speaker 2: of like get what you wanted out of the conversation

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Speaker 2: or to have them understand where you were coming from.

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Speaker 2: But oh, this is just every fight my husband and

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Speaker 2: I have ever had, so yeah, continue.

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Speaker 1: So I thought that at the end she was going

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Speaker 1: to be like, you know what, you know what I see?

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Speaker 2: Yea, yeah, tell me tell me how right?

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Speaker 3: You were like, yeah, exactly, you know what.

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Speaker 1: I didn't see what you meant at first, but now

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Speaker 1: that you fully explained it, girl, yes I agree.

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Speaker 3: I don't know why.

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Speaker 1: I just thought that's what it was, but it was

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Speaker 1: more like you know what I hear, you still don't.

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Speaker 2: Agree though it was the worst, that's the worst, yes.

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Speaker 1: And I'm like, wait, so now we're going to have

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Speaker 1: another conversation, but so I think we're going to bring

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Speaker 1: in maybe like a like a neutral party to have

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Speaker 1: a conversation with us.

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Speaker 2: Okay, mediator. I've had to use a professional mediator. I

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Speaker 2: mean not a professional, but in my professional life, I

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Speaker 2: have needed to bring in a third party to be

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Speaker 2: there to witness the discussion, just as like, yeah, it's helpful,

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Speaker 2: it's helpful.

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Speaker 3: Yeah, and I think so too.

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Speaker 1: And I think that it's just I just feel like

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Speaker 1: lately in business that every time I solve an issue,

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Speaker 1: because usually I'm pretty I've gotten much better at like

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Speaker 1: like managing the stress of what it comes to being like,

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Speaker 1: you know, to running a business. So websites done, Okay,

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Speaker 1: you know we need a new hire quickly.

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Speaker 3: Because you know X y Z is leading on.

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Speaker 1: You know she's doesn't feel well, Okay, I've gotten so

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Speaker 1: much better at managing the day to day putting out

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Speaker 1: the fire component of business. And I'm like, I feel like,

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Speaker 1: you know, I mean, I sleep wildlight now, like but

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Speaker 1: lately the fires are blue, you know, like usually fires

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Speaker 1: are like you know, like I think blue is like

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Speaker 1: when the fire is hotter, right, is that what it is?

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Speaker 3: When it's like what you're.

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Speaker 2: Saying, Yeah, the hottest is the hottest part of the

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Speaker 2: flame is the blue part.

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Speaker 1: Yes, And so I'm like, wait what And it seems

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Speaker 1: like why am I putting out blue flames over and

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Speaker 1: over and over again? And I'm not gonna lie. It's

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Speaker 1: taking like this like emotional toll that I'm not used

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Speaker 1: to that. I used to feel like this in the

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Speaker 1: very beginning of business, when I didn't know how to

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Speaker 1: manage anything, you know, so I.

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Speaker 3: Was like ah all the time.

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Speaker 1: And now I'm like, oh, but you know, you're season tifty,

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Speaker 1: You're ten years in so, like I said, up until

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Speaker 1: I would say maybe like three or four months ago,

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Speaker 1: you know, I've been really good at like that kind

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Speaker 1: of thing and at like managing.

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Speaker 3: But now it's just different now.

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Speaker 1: And I'm like, but one thing I've learned after ten

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Speaker 1: years of business, and the part that sucks is like

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Speaker 1: I already know what's happening because I've been here so

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Speaker 1: many times before. I know what's happening, and I'm like, uh, Frank,

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Speaker 1: so something good is happening. Whenever I am growing to

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Speaker 1: the next level, this always happens that there is a

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Speaker 1: period of heavy uncomfortableness where everything sucks and I want

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Speaker 1: to quit. So I know that's what's happening, but I'm

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Speaker 1: still like I want to quit. Yes, everything, and so

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Speaker 1: that's what's happened. So I know one hundred thousand percent

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Speaker 1: that that's what's happening, but it doesn't make it easier.

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Speaker 1: I'm just like, I don't want to do it. I

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Speaker 1: don't want to.

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Speaker 2: You're going through hell. Keep going. That's the chant that

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Speaker 2: helps me sometimes.

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Speaker 1: I just so, I mean, like it's not that me obviously.

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Speaker 1: I mean I'm really blessed. I mean, thank God.

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Speaker 3: You know, home is good.

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Speaker 1: You know, my husband is good, my sisters are good,

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Speaker 1: my parents are good, my friends are good. So all

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Speaker 1: that's good and honestly the true things. Business actually has

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Speaker 1: literally never been better. So that's not it. It's just there

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Speaker 1: isn't no I'm growing, Like I know, there's an emotional

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Speaker 1: growth that's tied to like this external growth that I

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Speaker 1: have to meet this like oh this external growth internally,

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Speaker 1: and I'm not you know, and I know that. I

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Speaker 1: know it's like, well, Timmy, you have to put on

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Speaker 1: your big girl panting. It's like you have been avoiding

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Speaker 1: like growing this part of yourself for a long time,

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Speaker 1: and it's time now. And I've been like, wait one

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Speaker 1: more year, one more you're being a punk, please, and

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Speaker 1: like the external part, what's happening in my life? It's like, no, girl, no,

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Speaker 1: we have allowed you for forty years to navigate in

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Speaker 1: this space of like internal smallness in this one area

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Speaker 1: of your life, and literally you have to grow up

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Speaker 1: in this one area. You have to boss up and

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Speaker 1: you have to be like okay, and you have to

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Speaker 1: push through or you you know, like there's no option.

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Speaker 1: It's either this or you stay. Not even because I

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Speaker 1: already know what's going to happen if I don't push through.

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Speaker 1: It's not that I'm going to be allowed to stay

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Speaker 1: at this level. You actually move backwards. So I mean,

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Speaker 1: I know it. It's just honestly, it freaking sucks. I

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Speaker 1: hope you know. I share this with y'all because I

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Speaker 1: want you to know that, like, even when even in success,

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Speaker 1: there's you know, there's strife, there's gut wrenching moments.

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Speaker 3: Even like, you know, literally nothing's wrong.

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Speaker 1: We had our bus month yet in business, but like yeah,

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Speaker 1: there's still aspects that I'm learning and growing and it

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Speaker 1: freaking sucks. And I'm just like but I'm like literally

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Speaker 1: every year, I used to tell myself that this is

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Speaker 1: the year I was gonna work on this part of myself,

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Speaker 1: this character challenge. I spoke, ooh, this is the year,

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Speaker 1: Tiffany that we're going to work on like the hard

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Speaker 1: conversations part of you.

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Speaker 3: And then I'm like, you know what I'm gonna work on.

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Speaker 1: I'm gonna get in basiline instead, I want to get

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Speaker 1: a gym membership.

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Speaker 3: Oh that's what I'll do.

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Speaker 1: Let's work on this booty or like I'm gonna be

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Speaker 1: a better friend or I'm gonna be a better auntie

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Speaker 1: this year. So every year I kind of set like

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Speaker 1: goals and like this is always on the list.

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Speaker 3: And I'm like, yeah, I don't think I think I'm

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Speaker 3: gonna put this one to the side.

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Speaker 1: So this is the year that like it's forcing my hand, like, girl,

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Speaker 1: you are not going to be able to elevate to

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Speaker 1: the next level.

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Speaker 3: So, like I just said, it's just like.

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Speaker 2: Have you ever read the Year of Yes by Shonda

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Speaker 2: rh No, but I heard you're gonna say yes. Oh

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Speaker 2: it's so you need to read it. It's actually a

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Speaker 2: quick read. But it's about how Shonda, who was incredibly insecure,

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Speaker 2: and it's different because her insecurities and her shyness and

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Speaker 2: her social anxiety in part from her her weight issues.

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Speaker 2: So she struggled with her weight and anyway. And there

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Speaker 2: was one year that she decided because she was always

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Speaker 2: the writer inside of her shell, like never went out,

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Speaker 2: never said yes to any invitations in Hollywood, would just

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Speaker 2: hide from any and then she decided one year like, Okay,

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Speaker 2: I'm done with this. And it wasn't like she had

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Speaker 2: some big epiphany. It was like it's like you're saying,

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Speaker 2: it's just you kind of get tired of having the

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Speaker 2: same conversation with yourself and you're like, you know what,

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Speaker 2: this is the year I'm just going to say yes

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Speaker 2: to everything. And I really recommend it. I even recommend

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Speaker 2: the audiobook because she reads it herself. I think I

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Speaker 2: might have read the audio listened to the audiobook version,

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Speaker 2: but that's great, what I'll say, because I have the

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Speaker 2: same internal dialogue like I think a lot of us do.

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Speaker 2: There's always that like personal flaw like character flaw or

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Speaker 2: flawsa plural that you have that aren't as easy to imagine,

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Speaker 2: Like they're not as clear cut a path, Like you

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Speaker 2: want to fit into the bikini in six weeks. You

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Speaker 2: know you need to eat less and work out more.

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Speaker 2: But it's almost like with these you know, character like

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Speaker 2: the internal things that we have that can hinder us

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Speaker 2: or hold us back, Like you've said, there's not as

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Speaker 2: clear a path, and so it's it's harder and it's

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Speaker 2: also harder to measure success. And what I all I'll

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Speaker 2: say is like I hope that you celebrate even though

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Speaker 2: it has led to more conversations. You should still like

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Speaker 2: celebrate the win that you had, the conversation you might

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Speaker 2: not have had, and put yourself on the back and

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Speaker 2: acknowledge that it may not be like a clear linear

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Speaker 2: path and to get to the point where you're able

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Speaker 2: to like it may always be uncomfortable, and I think

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Speaker 2: it probably will because you're a human being uncomfortable to

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Speaker 2: have tough conversations with people. But it's like, you know,

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Speaker 2: how much time do you spend agonizing over it? Do

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Speaker 2: you always get bubble gut? Okay, No, this time I

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Speaker 2: didn't get the bubble cut. That time I didn't it

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Speaker 2: wasn't in the bathroom for four hours. And like, give

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Speaker 2: yourself a pat if you improve a little bit. And

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Speaker 2: that's and this is just like the type of thing

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Speaker 2: that I've worked on coming back from all the postpartum anxiety.

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Speaker 2: Is okay, if I fell asleep, you know, within forty

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Speaker 2: five minutes last night instead of four hours, Like that's

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Speaker 2: a win, okay, And just mark those little those little

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Speaker 2: wins because it isn't as Yeah, it's just not as

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Speaker 2: linear as some of the goals like you talked about before,

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Speaker 2: you know, working out, et cetera.

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Speaker 3: No, that is really good advice. I didn't think about that.

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Speaker 1: Like the fact is you had the conversation Tippany, that's

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Speaker 1: bigger than most Normally I'd be.

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Speaker 3: Like, uh oh I double booked. Hey, hey sis, can

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Speaker 3: we talk?

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Speaker 1: Oh my god, I would be the master avoid Like

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Speaker 1: sometimes Superman will ask me. They're like talk to Supergirl

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Speaker 1: about something difficult, like maybe like you know, they've got

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Speaker 1: into like an argument. He's a key talk to her,

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Speaker 1: so you know, because maybe they're arguing over like you know,

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Speaker 1: her not cleaning her room and whatever. She's getting sassy

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Speaker 1: and he's a key talk to her, and I'm looking

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Speaker 1: at him like to who, I.

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Speaker 3: Don't want to talk to a teenager. She's gonna kill me.

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Speaker 1: So I'm just yeah, Like it literally permeates every aspect

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Speaker 1: of my life, like it's it reached like a fever

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Speaker 1: pitch like me to every aspect of my life. I

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Speaker 1: could be at the supermarket and be like the person

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Speaker 1: that's standing in too close behind me, and I'm like,

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Speaker 1: you should really tell them six feet please, And like

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Speaker 1: in my inside, I'm like dying.

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Speaker 3: I'm like, you should say no, don't say nothing to

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Speaker 3: you should say no. Even how did that say?

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Speaker 2: He is?

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Speaker 3: You can get.

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Speaker 1: Like yeah, so it's yeah, So I'm I'm gonna But honestly,

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Speaker 1: one thing I like I've learned from you many like

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Speaker 1: I absolutely need to get a therapist. I've been saying

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Speaker 1: it for a long time anyway, because like you know,

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Speaker 1: like I'm typically decent at managing stress. Well, let me

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Speaker 1: not say that, because who knows if I don't even

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Speaker 1: know if I'm decent. Who knows what decent is? But

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Speaker 1: you know, I don't think typically a lot of things

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Speaker 1: bring me stress like they used to so I was

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Speaker 1: kind of like, I'm good, but I realized, no, I

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Speaker 1: would really love tools and resources to manage like you know,

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Speaker 1: stress and also tools and resources, because I was asking myself,

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Speaker 1: I'm like, I actually don't have the tools and resources

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Speaker 1: to navigate this because I, like, I grew up in

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Speaker 1: a household, like my parents are really strict, and so

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Speaker 1: it was like, you you have to be like walk

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Speaker 1: the straight and narrow or else. And so I know

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Speaker 1: that a lot of the anxiety comes from what's or else? Mean, Tiffany,

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Speaker 1: Like you have to be like in the straight and

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Speaker 1: narrow or else, and that's what That's the fear that

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00:18:18,760 --> 00:18:21,199
Speaker 1: I carry around with me, is this fear of the

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Speaker 1: or else. And even though I'm adult now, it's like, well,

403
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Speaker 1: you can't get cut off, you know, you're not nine.

404
00:18:26,760 --> 00:18:28,800
Speaker 1: You're not gonna get a spanking, you know, But I

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Speaker 1: still carry that or else fear along with me.

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Speaker 3: And I'm just like I want to be able to

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Speaker 3: let that go.

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Speaker 1: But I know that if you can't build a house

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Speaker 1: that you want without the proper tools, and I know,

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Speaker 1: it's like, okay, it's pastime, it's time to get the

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Speaker 1: proper tools. So I'm actually looking forward to that because

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Speaker 1: I'm like, you know, cause I used to go to

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Speaker 1: therapy when I was in college because I was like

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Speaker 1: so overwhelmed and it was really really, really helpful. But

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Speaker 1: I have not gone, honestly since, even though I've said that,

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Speaker 1: you know, I've wanted to. It's just been I haven't

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Speaker 1: put the effort in, not because I'm opposed to therapy.

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Speaker 1: I'm like, ah, next time, next time. So I just

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Speaker 1: think that, yeah, I have to make it as important

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Speaker 1: as the other things in my life to like find

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Speaker 1: a therapist, you know, and I have like great insurance,

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Speaker 1: so I know that it would be covered.

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Speaker 2: So I'm like, girl, oh the therapist who takes insurance

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Speaker 2: like a magical unicorn.

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Speaker 3: But they don't take insurance.

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Speaker 2: That's part of the problem, is like, and this is

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Speaker 2: how I found my therapist. What I found this great

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Speaker 2: prenatal yoga studio that actually is like a wellness a

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Speaker 2: wellness business that focuses on like post and prenatal massage

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Speaker 2: therapy and they have like new mom trainings and they

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Speaker 2: did we did all lot of our like infant CPR

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Speaker 2: classes there, so it's more than just yoga, and they

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Speaker 2: have they refer people to experts in the field like

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Speaker 2: they have, like the certain like they have the they

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Speaker 2: endorse certain experts. So they endorse these three or four

436
00:19:47,440 --> 00:19:51,840
Speaker 2: different prenatal therapists who could who really specialized with new

437
00:19:51,880 --> 00:19:54,480
Speaker 2: moms or moms who're dealing with anxiety. And but I

438
00:19:54,600 --> 00:19:56,480
Speaker 2: call all of them, and none of them took my insurance.

439
00:19:56,480 --> 00:19:59,200
Speaker 2: But I got referred from them to someone who did

440
00:19:59,200 --> 00:20:02,160
Speaker 2: take my insurance, and I kept interviewing. So it's almost

441
00:20:02,240 --> 00:20:04,639
Speaker 2: it does take work. You have to start calling. Do

442
00:20:04,680 --> 00:20:05,720
Speaker 2: you take this insurance?

443
00:20:05,800 --> 00:20:05,840
Speaker 3: No?

444
00:20:06,000 --> 00:20:07,720
Speaker 2: Do you know someone who does? Cool? And then you

445
00:20:07,760 --> 00:20:09,399
Speaker 2: have to kind of keep calling. And it took me

446
00:20:10,000 --> 00:20:13,240
Speaker 2: maybe a couple of weeks to finally land on the therapist.

447
00:20:13,320 --> 00:20:15,439
Speaker 2: I eventually got, and it's been great. And I just

448
00:20:16,320 --> 00:20:18,920
Speaker 2: a friend of mine had a baby just a few

449
00:20:18,960 --> 00:20:22,920
Speaker 2: weeks ago, and she she had been dealing with a

450
00:20:22,960 --> 00:20:24,920
Speaker 2: lot of anxiety prior to the birth because of the

451
00:20:25,000 --> 00:20:28,560
Speaker 2: COVID situation, and that has continued to plague her just

452
00:20:28,640 --> 00:20:30,960
Speaker 2: the you know, being a new mom's already stressful enough.

453
00:20:31,440 --> 00:20:33,320
Speaker 2: And I was like, listen, I'm happy. I'll ask my

454
00:20:33,359 --> 00:20:36,320
Speaker 2: therapist if she knows anybody near you who's doing And

455
00:20:36,359 --> 00:20:38,440
Speaker 2: this is a This is a good time too, because

456
00:20:38,600 --> 00:20:41,960
Speaker 2: part of the struggle finding a good therapist is, you know,

457
00:20:42,000 --> 00:20:44,239
Speaker 2: they often want to see you in person. But with

458
00:20:44,400 --> 00:20:47,240
Speaker 2: what's going on with COVID, many more well not many more,

459
00:20:47,280 --> 00:20:49,919
Speaker 2: all of them, especially in New York where places are

460
00:20:49,920 --> 00:20:52,640
Speaker 2: shut down, you have to meet virtually, so you may

461
00:20:52,680 --> 00:20:55,960
Speaker 2: be able to, you know, see someone maybe who's not

462
00:20:56,440 --> 00:20:58,199
Speaker 2: who in the commute won't be a factor. You know.

463
00:21:00,200 --> 00:21:03,080
Speaker 2: You know you did that, you found that financial planner,

464
00:21:03,119 --> 00:21:04,000
Speaker 2: and you I.

465
00:21:04,080 --> 00:21:05,120
Speaker 3: Was just thinking about it.

466
00:21:05,160 --> 00:21:06,600
Speaker 2: I was like, that was a whole process.

467
00:21:07,320 --> 00:21:09,919
Speaker 1: What it was a two week problem. I interviewed like

468
00:21:10,000 --> 00:21:10,879
Speaker 1: thirteen people.

469
00:21:11,359 --> 00:21:13,120
Speaker 3: I like, so I'm just I was just thinking.

470
00:21:13,200 --> 00:21:14,440
Speaker 1: I was like, girl, if you could put that much

471
00:21:14,440 --> 00:21:17,800
Speaker 1: effort into finding your financial planner, and like literally I

472
00:21:17,840 --> 00:21:19,800
Speaker 1: had like a spreadsheet and I like this one and.

473
00:21:19,720 --> 00:21:20,760
Speaker 3: This this I did.

474
00:21:20,800 --> 00:21:22,879
Speaker 1: I did all this pre work of what I needed,

475
00:21:22,920 --> 00:21:24,760
Speaker 1: and I mean it was it was probably was like

476
00:21:24,800 --> 00:21:27,359
Speaker 1: a month's worth of work to find and it was

477
00:21:27,480 --> 00:21:29,639
Speaker 1: very overwhelming. But I knew that at the end I

478
00:21:29,720 --> 00:21:31,120
Speaker 1: was going to find the right person, and I did.

479
00:21:31,320 --> 00:21:34,040
Speaker 1: Angelie is amazing. And I was like, well, Tiffany, like

480
00:21:34,080 --> 00:21:35,399
Speaker 1: literally when you said that, I was like, girl, if

481
00:21:35,400 --> 00:21:37,840
Speaker 1: you can put the effort into the finding your financial planner,

482
00:21:37,840 --> 00:21:40,560
Speaker 1: you can certainly put the effort into finding the right therapist,

483
00:21:40,560 --> 00:21:40,840
Speaker 1: because I.

484
00:21:40,840 --> 00:21:43,000
Speaker 3: Think it just would just be so helpful.

485
00:21:43,080 --> 00:21:44,760
Speaker 1: My poor friends could stop hearing me talk about the

486
00:21:44,760 --> 00:21:46,720
Speaker 1: same thing, because when I'm stressed about something, I will

487
00:21:46,720 --> 00:21:51,880
Speaker 1: tell you over and over. I'm like, hey, hey, Brian, yeah,

488
00:21:51,960 --> 00:21:53,200
Speaker 1: so that thing. They're like, oh that thing and we

489
00:21:53,240 --> 00:21:58,520
Speaker 1: talked about yesterday one more again, Oh my gosh, oh

490
00:21:58,600 --> 00:22:00,200
Speaker 1: yeah no, this is honestly, but I was talking me

491
00:22:00,200 --> 00:22:03,000
Speaker 1: Manday's always like always feel like in some of the spaces,

492
00:22:03,040 --> 00:22:05,160
Speaker 1: I'm like, you have like one foot in the door

493
00:22:05,200 --> 00:22:07,840
Speaker 1: of like, yeah, I've been there, done that, working it out.

494
00:22:08,040 --> 00:22:10,040
Speaker 1: This is what I found bringing it back to Tiff.

495
00:22:10,359 --> 00:22:12,760
Speaker 1: So I would appreciate that, just Sharon, what.

496
00:22:12,760 --> 00:22:14,600
Speaker 2: I'll learned, I mean not that I'm and it's always

497
00:22:14,680 --> 00:22:16,720
Speaker 2: what I struggle with is what I'm talking to you about,

498
00:22:16,760 --> 00:22:20,639
Speaker 2: which is under giving myself grace and giving myself a

499
00:22:20,760 --> 00:22:24,680
Speaker 2: break on the path toward improvement, you know, like and

500
00:22:24,520 --> 00:22:27,439
Speaker 2: and adjusting my own expectations for what that success looks like.

501
00:22:27,680 --> 00:22:30,959
Speaker 2: So and it just it's everything I've ever tried to achieve,

502
00:22:31,040 --> 00:22:33,920
Speaker 2: Like weight loss. I've always had been up and down

503
00:22:33,920 --> 00:22:35,680
Speaker 2: with my weight and I'll be like, I'm gonna lose

504
00:22:35,720 --> 00:22:38,440
Speaker 2: forty pounds by you know, three months from now, which

505
00:22:38,480 --> 00:22:41,439
Speaker 2: is not realistic. And it's the same thing with this.

506
00:22:41,640 --> 00:22:45,040
Speaker 2: With the postpartum anxiety, it was I'm going to fix this.

507
00:22:45,040 --> 00:22:46,960
Speaker 2: This is a problem I'm going to solve now, and

508
00:22:47,000 --> 00:22:49,040
Speaker 2: I'm gonna talk to in it. And no, I mean

509
00:22:49,080 --> 00:22:51,560
Speaker 2: I had to start the work for my post part

510
00:22:51,600 --> 00:22:53,879
Speaker 2: of anxiety started back in August when I started to

511
00:22:53,920 --> 00:22:57,280
Speaker 2: see my therapist and I was like, okay, so I

512
00:22:57,320 --> 00:22:59,560
Speaker 2: have you I'm feeling anxious, so we can fix this

513
00:22:59,560 --> 00:23:01,600
Speaker 2: this week, right, And she's like, no, no, we have

514
00:23:01,680 --> 00:23:04,439
Speaker 2: to start the journey, you know. And and I had

515
00:23:04,520 --> 00:23:06,520
Speaker 2: to be patient with myself because I you know, you

516
00:23:06,600 --> 00:23:11,119
Speaker 2: want like quick results and I have to celebrate. And

517
00:23:11,160 --> 00:23:13,960
Speaker 2: I was just talking to the psychiatrist, I see because

518
00:23:14,000 --> 00:23:17,760
Speaker 2: I take a prescription medication to help, and talking to her,

519
00:23:18,760 --> 00:23:22,520
Speaker 2: she also wanted to know, like what are the small

520
00:23:22,640 --> 00:23:24,920
Speaker 2: like what are the improvements that you've seen, and by

521
00:23:24,960 --> 00:23:28,159
Speaker 2: talking through the improvement, No, I'm not perfect whatever that

522
00:23:28,200 --> 00:23:31,919
Speaker 2: idea is. I'm not one hundred percent, you know. Obviously

523
00:23:31,960 --> 00:23:33,639
Speaker 2: I never will be one hundred percent because I have

524
00:23:33,720 --> 00:23:35,480
Speaker 2: a baby now, so I'm a different kind of person.

525
00:23:36,520 --> 00:23:38,840
Speaker 2: But you know, I could measure six and I could

526
00:23:38,880 --> 00:23:41,760
Speaker 2: see by talking and through Oh, I have made, you know,

527
00:23:41,840 --> 00:23:45,840
Speaker 2: big strides and I am doing a lot better and

528
00:23:45,480 --> 00:23:49,479
Speaker 2: I should like celebrate that and not be so stressed

529
00:23:49,480 --> 00:23:52,160
Speaker 2: that I'm not like my own idea of over it

530
00:23:52,320 --> 00:23:55,160
Speaker 2: or you know better, whatever those vague words are.

531
00:23:56,400 --> 00:23:58,159
Speaker 3: That's the thing, like over it and better. You're like,

532
00:23:58,200 --> 00:23:58,960
Speaker 3: I should be better.

533
00:23:59,040 --> 00:24:03,119
Speaker 2: I should be Yeah, because the this is like the

534
00:24:03,160 --> 00:24:05,200
Speaker 2: kids are always going to stress me, like stress you out,

535
00:24:05,240 --> 00:24:07,080
Speaker 2: and work is always going to be stressful for you. You

536
00:24:07,119 --> 00:24:09,000
Speaker 2: run a business like this is going to happen again

537
00:24:09,040 --> 00:24:11,560
Speaker 2: and again, and it's about does it get a little

538
00:24:11,600 --> 00:24:13,720
Speaker 2: bit easier each time? Do you have the tools next

539
00:24:13,760 --> 00:24:16,840
Speaker 2: time so that maybe it's not five conversations, you know,

540
00:24:16,880 --> 00:24:21,280
Speaker 2: it's four instead of you know what I mean anyway,

541
00:24:21,680 --> 00:24:23,920
Speaker 2: And I think it's it's also helpful is to talk

542
00:24:23,960 --> 00:24:27,879
Speaker 2: things out. And I hope that when's the next conversation

543
00:24:28,200 --> 00:24:31,320
Speaker 2: and you already got the mediator in place, right yeah?

544
00:24:31,359 --> 00:24:34,200
Speaker 1: M hm, So I don't I don't have I don't

545
00:24:34,240 --> 00:24:35,840
Speaker 1: have a date for the next conversation yet, but it's

546
00:24:35,840 --> 00:24:38,640
Speaker 1: probably about a week. I just waiting for the mediator

547
00:24:38,680 --> 00:24:42,440
Speaker 1: to just to confirm like that that she's like, yep,

548
00:24:42,720 --> 00:24:44,440
Speaker 1: you know, we're all good to go, and then I'll

549
00:24:44,800 --> 00:24:47,800
Speaker 1: schedule a time that I'm actually looking kind of looking

550
00:24:47,840 --> 00:24:51,000
Speaker 1: forward to. But I like because I'm like, Okay, it'll

551
00:24:51,080 --> 00:24:54,719
Speaker 1: be somebody else there to help navigate the things that

552
00:24:54,760 --> 00:24:57,160
Speaker 1: I want to say, but also to somebody else will

553
00:24:57,200 --> 00:25:00,159
Speaker 1: to help me navigate hearing and listening, you know know.

554
00:25:01,240 --> 00:25:02,800
Speaker 1: So I mean, but like, I feel like there was

555
00:25:02,800 --> 00:25:05,199
Speaker 1: a little bit of movement made today with her, So

556
00:25:05,240 --> 00:25:07,600
Speaker 1: I was like, oh, okay, she is listening and she

557
00:25:07,680 --> 00:25:09,600
Speaker 1: sees that there's something And there was definitely a little

558
00:25:09,600 --> 00:25:12,040
Speaker 1: bit of givet of like, see what you're saying, don't

559
00:25:12,080 --> 00:25:16,840
Speaker 1: fully agree, but wizy, maybe there's some compromise. So there

560
00:25:16,880 --> 00:25:19,960
Speaker 1: was definitely a huh. She was definitely like there's some

561
00:25:19,960 --> 00:25:22,320
Speaker 1: compromise that we can make here. Yeah, and so like

562
00:25:22,400 --> 00:25:24,800
Speaker 1: so at least that that it wasn't like absolutely not,

563
00:25:24,840 --> 00:25:26,679
Speaker 1: which would have been like, you know, well, what do

564
00:25:26,760 --> 00:25:29,199
Speaker 1: we do now? It was like, yeah, that there's some

565
00:25:29,240 --> 00:25:31,520
Speaker 1: compromises that I can see being made here.

566
00:25:31,560 --> 00:25:36,639
Speaker 2: So yeah, growth, growth, you're on your growth, You're on

567
00:25:36,680 --> 00:25:37,800
Speaker 2: your growth ship. You know.

568
00:25:38,359 --> 00:25:41,600
Speaker 3: See that you used to curse, remember back in the day,

569
00:25:41,680 --> 00:25:43,720
Speaker 3: used to like guys that curse, and then you stopped.

570
00:25:45,080 --> 00:25:47,000
Speaker 2: I still, oh you mean on the show?

571
00:25:47,480 --> 00:25:49,840
Speaker 1: Yeah you did, remember you were like, yeah, I'm gonna be,

572
00:25:49,920 --> 00:25:51,520
Speaker 1: you know, cursing every once in a while, a little

573
00:25:51,520 --> 00:25:52,400
Speaker 1: potty mouth here and there.

574
00:25:52,400 --> 00:25:54,359
Speaker 2: But then you just was like, I don't know, if

575
00:25:54,400 --> 00:26:00,480
Speaker 2: you listen to the show, Tiffany, yes, I ask her editor, Ikay,

576
00:26:00,520 --> 00:26:02,040
Speaker 2: it's just who I am. I don't think about it,

577
00:26:03,320 --> 00:26:06,680
Speaker 2: you know. I My mom always had a potty mouth,

578
00:26:06,760 --> 00:26:08,879
Speaker 2: and it's just like whatever. I always look at that

579
00:26:08,920 --> 00:26:11,320
Speaker 2: study that said that people who curse are smarter or

580
00:26:11,359 --> 00:26:14,959
Speaker 2: like handle things better. Yes, anyway, but the day that

581
00:26:15,119 --> 00:26:17,439
Speaker 2: Rio starts mimicking what I say, that's when I'll have

582
00:26:17,480 --> 00:26:19,600
Speaker 2: to tighten it up. But I'm really just like letting

583
00:26:19,640 --> 00:26:21,600
Speaker 2: it all hang out now.

584
00:26:22,119 --> 00:26:24,879
Speaker 1: And you and you'd be surprised, because like Superman is

585
00:26:25,240 --> 00:26:28,119
Speaker 1: a cursor, like just for no reason, destonible reason. And

586
00:26:28,160 --> 00:26:30,080
Speaker 1: I remember when I first met him, and I remember

587
00:26:30,160 --> 00:26:31,639
Speaker 1: looking at his daughter at the time, she was like

588
00:26:31,640 --> 00:26:34,200
Speaker 1: five or six. She didn't curse, and I'm like, well,

589
00:26:34,359 --> 00:26:38,119
Speaker 1: how come you have potty mouth? Like you know, he's

590
00:26:38,200 --> 00:26:40,840
Speaker 1: not a cursor, like an angry cursor. It's just like

591
00:26:40,920 --> 00:26:43,679
Speaker 1: you know, like you know, like you might say, hey, Supermer,

592
00:26:43,720 --> 00:26:44,320
Speaker 1: what's up today?

593
00:26:44,480 --> 00:26:46,280
Speaker 3: You know, shit, that's just.

594
00:26:46,160 --> 00:26:54,840
Speaker 2: Seeking me, Like I'm the opposite of that. Happy curs

595
00:26:54,920 --> 00:26:59,960
Speaker 2: are interesting, so like, yeah, it's just a bullshit.

596
00:27:00,160 --> 00:27:00,920
Speaker 3: I just hanging out.

597
00:27:02,640 --> 00:27:06,560
Speaker 1: So I was actually really shocked that she, like Supergirl

598
00:27:06,640 --> 00:27:09,440
Speaker 1: did it curse. I was like, well, how come she

599
00:27:09,520 --> 00:27:12,040
Speaker 1: doesn't curse and you curse? And he was like, oh,

600
00:27:12,080 --> 00:27:13,919
Speaker 1: she knows better. I'm like yeah, but I don't how

601
00:27:13,960 --> 00:27:15,399
Speaker 1: does that work out? I don't even know how he

602
00:27:15,440 --> 00:27:17,359
Speaker 1: managed that, like to this day, at least not he.

603
00:27:17,440 --> 00:27:20,040
Speaker 1: I'm sure she's a teenager now, so I'm sure she's

604
00:27:20,080 --> 00:27:21,520
Speaker 1: potty bathing it up with her friends.

605
00:27:21,560 --> 00:27:23,240
Speaker 3: But I thought at least an adult company.

606
00:27:23,280 --> 00:27:25,200
Speaker 2: I thought God would furnish me if I curse. When

607
00:27:25,200 --> 00:27:26,879
Speaker 2: I was little. I don't know who taught me that

608
00:27:27,200 --> 00:27:30,520
Speaker 2: in the TV. I don't know. But when I found

609
00:27:30,520 --> 00:27:32,159
Speaker 2: out that I wasn't going to get smited or hit

610
00:27:32,200 --> 00:27:35,080
Speaker 2: with the delighting bolt, it just all it all happened.

611
00:27:35,160 --> 00:27:40,200
Speaker 3: That was smite, smite, smite, Hey, real quick.

612
00:27:40,000 --> 00:27:43,080
Speaker 2: I wanted to cut you up on my dad's situation

613
00:27:43,119 --> 00:27:44,879
Speaker 2: because I know I talked about him losing his job

614
00:27:45,359 --> 00:27:49,159
Speaker 2: and he lives in Georgia and he we had been

615
00:27:49,280 --> 00:27:51,000
Speaker 2: my brother and I kind of tagged taming to figure

616
00:27:51,000 --> 00:27:53,520
Speaker 2: out his unemployment benefits. And for a lot of people

617
00:27:53,520 --> 00:27:55,760
Speaker 2: in different states, like my dad, like it's taken weeks

618
00:27:55,760 --> 00:27:58,479
Speaker 2: for him to get his first unemployment check. He finally

619
00:27:58,480 --> 00:28:00,480
Speaker 2: got it, and then he had to wait in additional

620
00:28:00,520 --> 00:28:03,240
Speaker 2: couple of weeks to get that extra six hundred dollars

621
00:28:03,720 --> 00:28:07,520
Speaker 2: stimulus like unemployment check, and I just wanted to let

622
00:28:07,560 --> 00:28:09,439
Speaker 2: people know, like if you've been waiting on it, I

623
00:28:09,480 --> 00:28:11,720
Speaker 2: would say. One thing that helped is that we went

624
00:28:11,760 --> 00:28:14,920
Speaker 2: to the Department of Labor's Facebook page, and honestly, there

625
00:28:14,960 --> 00:28:17,960
Speaker 2: was more feed there's more information from their social media

626
00:28:18,000 --> 00:28:20,000
Speaker 2: team on their Facebook page than there was on the

627
00:28:20,040 --> 00:28:24,280
Speaker 2: actual website or trying to call, and it was one

628
00:28:24,320 --> 00:28:26,320
Speaker 2: of those things where you do you think you're doing

629
00:28:26,400 --> 00:28:28,360
Speaker 2: all the things, and you're calling and you're like stressing.

630
00:28:28,359 --> 00:28:29,919
Speaker 2: And my brother and I were talking about it and

631
00:28:29,960 --> 00:28:32,920
Speaker 2: like I would be on social trying to like piece

632
00:28:33,000 --> 00:28:36,119
Speaker 2: together an explanation from different comments that the social media

633
00:28:36,160 --> 00:28:38,040
Speaker 2: person had left and then all of a sudden, it

634
00:28:38,080 --> 00:28:40,080
Speaker 2: just showed up in his bank account one day. And

635
00:28:40,120 --> 00:28:42,320
Speaker 2: I'm like, it probably would have showed up without us

636
00:28:42,360 --> 00:28:45,120
Speaker 2: stressing about it. But of course you want to think

637
00:28:45,160 --> 00:28:48,760
Speaker 2: you can control things. But it's good finally that he's

638
00:28:48,760 --> 00:28:52,840
Speaker 2: getting his unemployment benefits and his job he works for.

639
00:28:52,960 --> 00:28:56,760
Speaker 2: The transit authority in Atlanta has asked him to come back,

640
00:28:56,800 --> 00:29:00,880
Speaker 2: but like at limited hours, and he's decided not to

641
00:29:00,920 --> 00:29:04,160
Speaker 2: do it because they're not like it just would still

642
00:29:04,160 --> 00:29:07,000
Speaker 2: be unsafe. He's getting passages on a bus, you know,

643
00:29:07,440 --> 00:29:10,600
Speaker 2: it just isn't and he's got existing pre existing conditions

644
00:29:10,640 --> 00:29:14,200
Speaker 2: and and all that. But just wanted to acknowledge that

645
00:29:14,240 --> 00:29:17,360
Speaker 2: there's still people out there who's struggling. And you know,

646
00:29:17,480 --> 00:29:19,880
Speaker 2: if you haven't gotten your benefits or you have questions,

647
00:29:20,120 --> 00:29:22,320
Speaker 2: you know, you always can send us a note at

648
00:29:22,320 --> 00:29:24,960
Speaker 2: Brand Ambition Podcast at gmail dot com and maybe we

649
00:29:25,000 --> 00:29:28,520
Speaker 2: can help point you to some resources, if anything in

650
00:29:28,560 --> 00:29:31,800
Speaker 2: your state. But let us know if you're if you're struggling,

651
00:29:31,880 --> 00:29:35,080
Speaker 2: or if you need anything. I'd love to hear how

652
00:29:35,120 --> 00:29:37,719
Speaker 2: you guys are coping with you know, everything that's going on.

653
00:29:38,160 --> 00:29:40,680
Speaker 3: Yeah, that would be great because my dad called me yesterday.

654
00:29:40,680 --> 00:29:43,360
Speaker 3: He's I have still I have not gotten my money.

655
00:29:43,760 --> 00:29:45,560
Speaker 2: Oh is he waiting on the what's he waiting on

656
00:29:45,600 --> 00:29:48,800
Speaker 2: the stimulus? Wait? The stimulus? So the one time like

657
00:29:49,040 --> 00:29:53,040
Speaker 2: payment twelve Okay, yeah, my dad, No, I forget if

658
00:29:53,040 --> 00:29:55,640
Speaker 2: you got that or not. So yeah, he What happened

659
00:29:55,720 --> 00:29:59,720
Speaker 2: was unemployment benefits. They so you got you're eligible for,

660
00:30:00,160 --> 00:30:01,920
Speaker 2: like if you lost your job, you'd be eligible for

661
00:30:02,040 --> 00:30:05,400
Speaker 2: unemployment benefits. On top of that, they added an additional

662
00:30:05,440 --> 00:30:08,720
Speaker 2: six hundred dollars through the end of July for workers

663
00:30:08,760 --> 00:30:11,800
Speaker 2: out of work. That's what the Cares Act provided. And

664
00:30:11,840 --> 00:30:14,720
Speaker 2: then separate from that, there is a twelve hundred dollar

665
00:30:15,240 --> 00:30:17,920
Speaker 2: stimulus check that you got based on your income, which

666
00:30:17,960 --> 00:30:21,480
Speaker 2: is like a separate thing. Yeah, and it's left to

667
00:30:21,520 --> 00:30:23,360
Speaker 2: be it's left to be determined if they're going to

668
00:30:23,400 --> 00:30:27,600
Speaker 2: be extending this or doing it again. I mean yeah.

669
00:30:27,640 --> 00:30:30,280
Speaker 2: A girlfriend of mine texted me today to let me

670
00:30:30,320 --> 00:30:33,280
Speaker 2: know that her job said they will not be reopening

671
00:30:33,360 --> 00:30:36,000
Speaker 2: until September, the day after Labor Day or the week

672
00:30:36,040 --> 00:30:39,000
Speaker 2: after Labor Day at the earliest. And she works in

673
00:30:39,000 --> 00:30:43,080
Speaker 2: New York City. Yeah, so I'll just feeling summer Summer

674
00:30:43,120 --> 00:30:46,000
Speaker 2: twenty twenty is just like canceled, what just gone?

675
00:30:46,080 --> 00:30:48,120
Speaker 1: You know? The kids like so Governor Murphy, the governor

676
00:30:48,160 --> 00:30:51,600
Speaker 1: of my state, just posted on ig either yesterday or

677
00:30:51,640 --> 00:30:54,600
Speaker 1: today just saying, hey, so school's closed.

678
00:30:54,200 --> 00:30:57,120
Speaker 3: For the rest of the school year. So these babies

679
00:30:57,120 --> 00:30:57,720
Speaker 3: ain't go mac.

680
00:30:57,920 --> 00:31:01,280
Speaker 2: I'm like, okay, journey right, yeah.

681
00:31:00,760 --> 00:31:02,480
Speaker 1: Yeah, I don't know what to do. Like Supergirl, I

682
00:31:02,480 --> 00:31:03,560
Speaker 1: guess we'll get her some tutor.

683
00:31:03,600 --> 00:31:05,800
Speaker 2: I mean she's been Does that mean no more virtually

684
00:31:05,800 --> 00:31:08,000
Speaker 2: they're still doing E learning right or does that mean

685
00:31:08,040 --> 00:31:11,720
Speaker 2: like that stuff? Okay, okay, so that's not going back exactly,

686
00:31:12,120 --> 00:31:12,959
Speaker 2: but still it's so light.

687
00:31:13,080 --> 00:31:15,040
Speaker 1: So the way it works, at least for a Supergirl

688
00:31:15,040 --> 00:31:17,280
Speaker 1: in her school is that every morning at eight am

689
00:31:17,440 --> 00:31:19,640
Speaker 1: she gets class work schoolwork, and she has to be

690
00:31:19,640 --> 00:31:23,080
Speaker 1: completed by eight pm. But then at three at two

691
00:31:23,120 --> 00:31:25,160
Speaker 1: forty five to like three forty five or like an

692
00:31:25,240 --> 00:31:27,160
Speaker 1: hour to two hours, she has to log in the

693
00:31:27,240 --> 00:31:30,680
Speaker 1: zoom for a lesson. But I'm like, you usually are

694
00:31:30,680 --> 00:31:33,240
Speaker 1: in school all day, so how are you getting all

695
00:31:33,240 --> 00:31:36,120
Speaker 1: that you need with like this like one or two

696
00:31:36,200 --> 00:31:39,520
Speaker 1: hours worth of visual lesson? And then you know, like

697
00:31:39,800 --> 00:31:41,200
Speaker 1: just like here's some work to do.

698
00:31:41,280 --> 00:31:42,360
Speaker 3: I don't know so.

699
00:31:42,440 --> 00:31:44,200
Speaker 1: And meanwhile, she's going to ninth grade. So that's the

700
00:31:44,200 --> 00:31:46,480
Speaker 1: big worry because she's headed to high school. So it's like,

701
00:31:47,120 --> 00:31:49,120
Speaker 1: is she going to be ready? I mean we're fortunate

702
00:31:49,160 --> 00:31:51,320
Speaker 1: in that, you know, obviously we can pay for tutor

703
00:31:51,360 --> 00:31:53,680
Speaker 1: and things to make sure she's good. Because here at

704
00:31:53,680 --> 00:31:55,720
Speaker 1: New York, you have to place into the high school

705
00:31:55,760 --> 00:31:57,120
Speaker 1: that you want. You have to take a test, and

706
00:31:57,120 --> 00:31:59,000
Speaker 1: she got into a really good high school, so you know,

707
00:31:59,080 --> 00:32:01,720
Speaker 1: you we want to and it's very competitive and it's

708
00:32:01,720 --> 00:32:03,840
Speaker 1: not going to be easy, although she's been a good student,

709
00:32:03,880 --> 00:32:07,480
Speaker 1: but still for that, you know, second, for the last

710
00:32:07,520 --> 00:32:09,479
Speaker 1: quarter of your eighth grade year not to have like this,

711
00:32:09,600 --> 00:32:12,520
Speaker 1: like traditional instruction, and then we'll see what happens in

712
00:32:12,560 --> 00:32:14,920
Speaker 1: September to go to school, to high school at that

713
00:32:15,560 --> 00:32:18,120
Speaker 1: So there's some worry there. I think about other parents

714
00:32:18,160 --> 00:32:19,719
Speaker 1: who might not be able to afford tutoring.

715
00:32:19,720 --> 00:32:20,320
Speaker 3: What do they do?

716
00:32:20,440 --> 00:32:22,760
Speaker 2: You know, well, at least there's comfort in knowing that

717
00:32:22,800 --> 00:32:26,160
Speaker 2: your kid's not the only kid who's behind, like and

718
00:32:26,360 --> 00:32:29,840
Speaker 2: you hope that. And our cousin is a high school

719
00:32:29,840 --> 00:32:33,280
Speaker 2: principal in Manhattan, and she's talked about they are having

720
00:32:33,320 --> 00:32:37,960
Speaker 2: conversations around do you, especially with younger kids, like do

721
00:32:38,080 --> 00:32:40,040
Speaker 2: you hold them back a little bit so that they

722
00:32:40,040 --> 00:32:42,480
Speaker 2: don't they're not so far behind, or do you plan

723
00:32:42,800 --> 00:32:44,400
Speaker 2: to catch up on stuff at the beginning of the

724
00:32:44,480 --> 00:32:46,840
Speaker 2: year to acknowledge like what they might have missed at

725
00:32:46,840 --> 00:32:49,280
Speaker 2: the end of the year. And I hope that, you know,

726
00:32:49,320 --> 00:32:52,200
Speaker 2: the hope the school systems will figure out a way

727
00:32:52,280 --> 00:32:56,200
Speaker 2: to not make it so that kids like Supergirl come

728
00:32:56,200 --> 00:32:58,720
Speaker 2: into school feeling they're so far behind, Like they can

729
00:32:58,760 --> 00:33:00,720
Speaker 2: adjust the course a little bit so that they can

730
00:33:00,760 --> 00:33:04,200
Speaker 2: catch up if you know they need to at all. Man, Yeah,

731
00:33:04,240 --> 00:33:06,560
Speaker 2: it's it's it's hard enough with the baby, but like

732
00:33:06,600 --> 00:33:09,120
Speaker 2: having kids in school. Bless bless all of you guys

733
00:33:09,480 --> 00:33:11,960
Speaker 2: with the with the children who can ask questions and

734
00:33:12,080 --> 00:33:16,760
Speaker 2: needs to be I know, wet's just speaking of questions.

735
00:33:16,760 --> 00:33:18,400
Speaker 2: Should we take a quick break and then come back

736
00:33:18,440 --> 00:33:20,000
Speaker 2: and see what we got going on?

737
00:33:20,240 --> 00:33:21,640
Speaker 3: We sure sued.

738
00:33:21,480 --> 00:33:56,520
Speaker 2: Alrighty okay, y'all, thank you so much for sending in

739
00:33:56,520 --> 00:33:59,040
Speaker 2: your questions, not only your questions, but your fun. Little

740
00:34:00,080 --> 00:34:02,880
Speaker 2: someone I forget her name. She she sent us a

741
00:34:02,920 --> 00:34:05,360
Speaker 2: message on Insta saying, remember last week I told you

742
00:34:05,400 --> 00:34:07,680
Speaker 2: we were talking about guilty pleasures and I mentioned the

743
00:34:07,720 --> 00:34:09,960
Speaker 2: show that I'm watching on Netflix. I'm testing you, tif

744
00:34:10,040 --> 00:34:10,960
Speaker 2: do you remember what it is?

745
00:34:13,360 --> 00:34:14,520
Speaker 3: You know, I have the memory of an eight year

746
00:34:14,560 --> 00:34:15,680
Speaker 3: old girl. I don't remember.

747
00:34:15,760 --> 00:34:18,800
Speaker 2: It's real weird Casketeers on that price.

748
00:34:19,640 --> 00:34:23,279
Speaker 1: If I'm at another country where it's like this Polynesian.

749
00:34:23,520 --> 00:34:26,319
Speaker 2: Yes, oh girl, I thought you. I felt you digging

750
00:34:26,480 --> 00:34:29,680
Speaker 2: and you struggled. Yeah, so it's a it's a it's

751
00:34:29,719 --> 00:34:32,080
Speaker 2: a fabulous show on Netflix about a family who runs

752
00:34:32,080 --> 00:34:35,719
Speaker 2: a funeral home in New Zealand or Polynesian anyway. One

753
00:34:35,800 --> 00:34:38,080
Speaker 2: of our listeners was like, I squealed when you mentioned

754
00:34:38,120 --> 00:34:40,480
Speaker 2: the Casketeers. I love that show and I'm just so

755
00:34:40,560 --> 00:34:42,960
Speaker 2: glad that there's another weirdo out there who listens to

756
00:34:43,000 --> 00:34:45,200
Speaker 2: our show. So thank you to you whose name I

757
00:34:45,520 --> 00:34:50,000
Speaker 2: don't remember. And again people have been commenting. I've been

758
00:34:50,040 --> 00:34:52,359
Speaker 2: I've been posting more than usual, just like day to day.

759
00:34:53,080 --> 00:34:57,200
Speaker 2: I'm trying to like document life in quarantine, parenting and quarantine.

760
00:34:57,239 --> 00:35:00,160
Speaker 2: I just part of me just doesn't want to forget. Well,

761
00:35:00,280 --> 00:35:04,560
Speaker 2: it's almost like I'm living I'm imagining, like telling grandchildren

762
00:35:04,719 --> 00:35:07,520
Speaker 2: or like wanting to remember this time in our history.

763
00:35:07,600 --> 00:35:10,960
Speaker 2: And so I'm trying to document more of it, and

764
00:35:11,080 --> 00:35:14,960
Speaker 2: people have Brown Ambition listeners who usually just message us

765
00:35:15,000 --> 00:35:17,680
Speaker 2: on our BA account have found my personal one and

766
00:35:17,719 --> 00:35:21,480
Speaker 2: have been. I really have been. It's been helping me

767
00:35:21,640 --> 00:35:25,000
Speaker 2: to hear from y'all when I post like my parenting

768
00:35:25,080 --> 00:35:28,759
Speaker 2: foibles or you know, the working from home with the

769
00:35:28,800 --> 00:35:31,480
Speaker 2: baby stuff, and it helps me to know that you

770
00:35:31,520 --> 00:35:34,239
Speaker 2: guys are out there and that that you're liking when

771
00:35:34,280 --> 00:35:36,560
Speaker 2: I share that stuff. I'm I'm happy to make a

772
00:35:36,560 --> 00:35:37,400
Speaker 2: fool of myself.

773
00:35:39,480 --> 00:35:41,800
Speaker 1: I love how Rio just be looking at the camera,

774
00:35:41,960 --> 00:35:47,480
Speaker 1: like what, he's so adorable with that hair, it's a.

775
00:35:47,440 --> 00:35:49,200
Speaker 3: Little yeah, these cheeks.

776
00:35:49,200 --> 00:35:51,120
Speaker 1: I'm like, oh, God, knew exactly way, who's doing making

777
00:35:51,160 --> 00:35:51,759
Speaker 1: baby so cute?

778
00:35:51,760 --> 00:35:52,440
Speaker 3: Because you're like, you.

779
00:35:52,400 --> 00:35:56,359
Speaker 2: Know what if it wasn't so cute, God help an

780
00:35:56,440 --> 00:35:59,280
Speaker 2: ugly baby, because like I'm just kidding. I'm just kidding.

781
00:35:59,560 --> 00:36:03,439
Speaker 2: We don't know. Listen, we're Enrique has this coffee cup

782
00:36:03,560 --> 00:36:06,359
Speaker 2: with Rio's baby his newborn picture on it, and I'm

783
00:36:06,360 --> 00:36:09,760
Speaker 2: looking at like he was a lot cuter in my memory.

784
00:36:10,080 --> 00:36:16,200
Speaker 2: Like love is blind. But let me pop into these

785
00:36:16,280 --> 00:36:18,600
Speaker 2: questions real quick again. Y'all can hit us up on

786
00:36:18,719 --> 00:36:22,200
Speaker 2: the gram where Broad Ambition Podcast on Instagram. You can

787
00:36:22,239 --> 00:36:24,640
Speaker 2: also find us if you just want to email us directly.

788
00:36:24,640 --> 00:36:29,960
Speaker 2: It's brund Ambition Podcast at gmail dot com. Our first

789
00:36:30,040 --> 00:36:33,600
Speaker 2: question I've lost to Google doc come to me. Our

790
00:36:33,680 --> 00:36:36,279
Speaker 2: first question comes from listener who just wants to be

791
00:36:36,280 --> 00:36:38,680
Speaker 2: referred to as D. She says, I'm a huge fan

792
00:36:38,719 --> 00:36:41,600
Speaker 2: of the show. I listen while working every week. I'm wondering,

793
00:36:41,840 --> 00:36:44,400
Speaker 2: since federal student loan payments have been waived until the

794
00:36:44,480 --> 00:36:48,239
Speaker 2: end of September thanks to Congress the Stimulus Package the

795
00:36:48,239 --> 00:36:50,799
Speaker 2: Cares Act, what do you guys think I should do

796
00:36:50,840 --> 00:36:53,120
Speaker 2: with the money that would normally go toward my student

797
00:36:53,160 --> 00:36:56,000
Speaker 2: loan each month. Right now, my student loan balance is

798
00:36:56,040 --> 00:37:00,680
Speaker 2: twenty seven thousand. Fortunately I'm still employed full time. Right now,

799
00:37:00,719 --> 00:37:03,360
Speaker 2: I'm using half of my stimulus funds. So she's gotten

800
00:37:03,360 --> 00:37:05,560
Speaker 2: that twelve hundred dollars check we talked about to pay

801
00:37:05,560 --> 00:37:07,960
Speaker 2: off credit card debt. I have a car note and

802
00:37:08,000 --> 00:37:11,160
Speaker 2: a personal loan and about two thousand dollars saved in

803
00:37:11,239 --> 00:37:15,359
Speaker 2: an emergency fund. Issue is she doesn't tell us how

804
00:37:15,520 --> 00:37:17,920
Speaker 2: much she's saving with her student loan payment, but like

805
00:37:18,920 --> 00:37:21,239
Speaker 2: for her own purposes, licious to imagine it's a few

806
00:37:21,360 --> 00:37:23,840
Speaker 2: hundred dollars. If her you know, for her balance is

807
00:37:23,840 --> 00:37:25,759
Speaker 2: twenty seven thousand dollars, I can imagine it's a few

808
00:37:25,800 --> 00:37:29,320
Speaker 2: hundred dollars a month that she's wondering what should she

809
00:37:29,400 --> 00:37:29,839
Speaker 2: do with it?

810
00:37:31,160 --> 00:37:35,359
Speaker 1: Any thoughts here, Yes, only because I suspect that her

811
00:37:35,400 --> 00:37:36,359
Speaker 1: life does she say where she.

812
00:37:36,320 --> 00:37:39,080
Speaker 2: Lives, She does not disclose her location.

813
00:37:39,200 --> 00:37:41,759
Speaker 1: Nope, So I suspect that her life costs her more

814
00:37:41,760 --> 00:37:43,440
Speaker 1: than two thousand dollars a month, because that's how much

815
00:37:43,440 --> 00:37:46,399
Speaker 1: she has in savings, right her emergency saves. Yes, So

816
00:37:46,840 --> 00:37:49,920
Speaker 1: my concern is during times like this, I really I mean,

817
00:37:49,920 --> 00:37:52,400
Speaker 1: I cannot preach this enough to be having a strong

818
00:37:52,480 --> 00:37:54,720
Speaker 1: cast position saving savings savings.

819
00:37:54,760 --> 00:37:57,160
Speaker 3: Normally, you know, me and Landy are like no debt,

820
00:37:57,280 --> 00:37:57,839
Speaker 3: no way away.

821
00:37:58,239 --> 00:38:01,960
Speaker 1: But during times that look like what's shaping up to

822
00:38:01,960 --> 00:38:04,640
Speaker 1: be a recession, I really want you to have enough savings.

823
00:38:04,800 --> 00:38:09,080
Speaker 1: Although I'm glad that your job is still intact, there's

824
00:38:09,160 --> 00:38:14,560
Speaker 1: no no job is guaranteed. One sickness can happen to

825
00:38:15,120 --> 00:38:17,160
Speaker 1: anything can happen during times like these, So I would

826
00:38:17,239 --> 00:38:20,239
Speaker 1: much rather if it was me, even though I would

827
00:38:20,320 --> 00:38:22,400
Speaker 1: normally say, well, girl, put it toward your student loan debt.

828
00:38:22,440 --> 00:38:24,439
Speaker 1: Because right now it's going to go total totally toward

829
00:38:24,480 --> 00:38:26,560
Speaker 1: the principle. But now I'm like, no, put it in

830
00:38:26,600 --> 00:38:28,800
Speaker 1: an online only savings account and going to Magnify money,

831
00:38:29,160 --> 00:38:31,600
Speaker 1: find one that gives the highest interest rate and has

832
00:38:31,600 --> 00:38:34,040
Speaker 1: an A rating. And that's what I would say. I

833
00:38:34,040 --> 00:38:36,000
Speaker 1: would put my money there, because I want you to have,

834
00:38:36,480 --> 00:38:39,920
Speaker 1: you know, at least a few months of expenses of

835
00:38:40,000 --> 00:38:43,880
Speaker 1: your most essential expenses saved, just to be on the

836
00:38:43,920 --> 00:38:46,440
Speaker 1: safe side in case something should happen down the line

837
00:38:46,560 --> 00:38:49,720
Speaker 1: while we're still in these like down economic times.

838
00:38:49,840 --> 00:38:52,160
Speaker 2: Yeah, and she mentions, well, she mentions a couple of

839
00:38:52,160 --> 00:38:54,320
Speaker 2: other loans that she has. She has a personal loan

840
00:38:54,880 --> 00:38:58,720
Speaker 2: and a car note. So I mean, I agree with Tiffany,

841
00:38:58,800 --> 00:39:02,439
Speaker 2: like I would beef up that emergence fund. But if

842
00:39:02,520 --> 00:39:04,960
Speaker 2: you're you know, if your car note and your personal loan,

843
00:39:05,000 --> 00:39:06,600
Speaker 2: if you could maybe put a little bit of that

844
00:39:06,719 --> 00:39:09,800
Speaker 2: extra money towards those debts to pay them off, especially

845
00:39:09,800 --> 00:39:11,920
Speaker 2: that personal loan, you know, that could be a good

846
00:39:12,000 --> 00:39:14,040
Speaker 2: use of the money. But and at the same time,

847
00:39:14,080 --> 00:39:16,400
Speaker 2: maybe put part of it away for your savings to

848
00:39:16,760 --> 00:39:18,400
Speaker 2: beef it up. You know, it doesn't have to be

849
00:39:18,440 --> 00:39:19,240
Speaker 2: all or nothing.

850
00:39:19,960 --> 00:39:21,000
Speaker 3: Mm hm. No, it doesn't.

851
00:39:21,160 --> 00:39:23,399
Speaker 2: Yeah, but that's that's and I'm glad it's like, that's

852
00:39:23,400 --> 00:39:26,439
Speaker 2: the point of them making it so that you don't

853
00:39:26,440 --> 00:39:28,520
Speaker 2: have to make your federal student loan payments for the

854
00:39:28,520 --> 00:39:31,120
Speaker 2: next How many months is it till September seventy five

855
00:39:31,239 --> 00:39:34,520
Speaker 2: or four? I can't think, it seems like forever away.

856
00:39:35,400 --> 00:39:37,839
Speaker 2: It's to give you guys some extra wiggle room. And yeah,

857
00:39:37,960 --> 00:39:40,960
Speaker 2: to be saving it and using it to pay down

858
00:39:41,000 --> 00:39:43,440
Speaker 2: debt is exactly you know, the right way of going

859
00:39:43,440 --> 00:39:47,000
Speaker 2: about it. Yeah, all right, d thank you for your question.

860
00:39:47,480 --> 00:39:50,600
Speaker 2: Let's take we have like some one syllable questions today.

861
00:39:50,640 --> 00:39:52,239
Speaker 2: This one comes from listener who wants to go by

862
00:39:52,239 --> 00:39:55,400
Speaker 2: the low Low says, I love the show. I have

863
00:39:55,560 --> 00:39:58,719
Speaker 2: reached my emergency savings goal of twenty thousand dollars recently,

864
00:39:58,800 --> 00:40:01,319
Speaker 2: and I decided I don't want to invest more than

865
00:40:01,320 --> 00:40:03,520
Speaker 2: I already am into my four oh one K during

866
00:40:03,560 --> 00:40:07,680
Speaker 2: these turbulent times, so I started looking into money market accounts.

867
00:40:07,880 --> 00:40:09,520
Speaker 2: Could you tell me what are some of the pros

868
00:40:09,560 --> 00:40:12,200
Speaker 2: and cons of putting your money in a money market account?

869
00:40:12,239 --> 00:40:15,240
Speaker 2: Thank you, low oh low oh?

870
00:40:15,320 --> 00:40:18,200
Speaker 3: I know no, lo lo lo, what lo lo?

871
00:40:18,640 --> 00:40:20,279
Speaker 1: Your money's gonna stay on the lo loo if you

872
00:40:20,280 --> 00:40:21,200
Speaker 1: don't invest out.

873
00:40:21,600 --> 00:40:23,960
Speaker 2: Yeah, well, money markets are like, first of all, there's

874
00:40:23,960 --> 00:40:27,719
Speaker 2: nothing special about money market accounts. They're basically a savings

875
00:40:27,719 --> 00:40:30,440
Speaker 2: account that you have check writing abilities, and it's not

876
00:40:30,920 --> 00:40:32,839
Speaker 2: and maybe you get a bit card, but then why

877
00:40:32,840 --> 00:40:35,080
Speaker 2: not just get a checking account. And I mean I

878
00:40:35,120 --> 00:40:37,520
Speaker 2: haven't checked their rates recently, but they're really not great.

879
00:40:37,920 --> 00:40:39,759
Speaker 2: Either they're worse than or they're just as good as

880
00:40:39,760 --> 00:40:42,680
Speaker 2: a regular ass savings account. So there's really not a

881
00:40:42,800 --> 00:40:46,000
Speaker 2: there's not a benefit to a money market account. And

882
00:40:46,600 --> 00:40:48,640
Speaker 2: when it comes to not wanting to invest, so let's

883
00:40:48,680 --> 00:40:52,080
Speaker 2: unpack that. So you've reached your emergency savings goal of

884
00:40:52,080 --> 00:40:55,440
Speaker 2: twenty K. That's fabulous and I mean that sounds significant,

885
00:40:55,440 --> 00:40:57,799
Speaker 2: that sounds great, and now you're looking at okay, so

886
00:40:57,840 --> 00:40:59,880
Speaker 2: the market is down. I have a four oh one K.

887
00:41:00,360 --> 00:41:02,160
Speaker 2: Should I be putting extra money that I would have

888
00:41:02,200 --> 00:41:04,480
Speaker 2: been putting in my emergency savings into the market or

889
00:41:04,480 --> 00:41:08,319
Speaker 2: should I be more conservative and put it into a

890
00:41:08,360 --> 00:41:11,759
Speaker 2: deposit account such as a money market fund. I know

891
00:41:11,840 --> 00:41:15,640
Speaker 2: it seems counterintuitive, but I and we talked about this before,

892
00:41:15,880 --> 00:41:19,080
Speaker 2: and again we're not investing experts. We just share, you know,

893
00:41:19,120 --> 00:41:22,000
Speaker 2: the knowledge that we have from our own experience. I

894
00:41:22,040 --> 00:41:24,319
Speaker 2: try and think of this time as like a clearance sale,

895
00:41:24,960 --> 00:41:28,760
Speaker 2: and I try and think of a clearance sale on stocks.

896
00:41:29,040 --> 00:41:32,960
Speaker 2: So stocks are largely down, although they have if you

897
00:41:33,000 --> 00:41:34,960
Speaker 2: look at your four one k like I did recently,

898
00:41:35,440 --> 00:41:38,040
Speaker 2: my four one k is not almost back to where

899
00:41:38,080 --> 00:41:40,000
Speaker 2: it was, but it's on the way back. It's pretty

900
00:41:40,120 --> 00:41:42,040
Speaker 2: it's definitely one of its way back. It's only been

901
00:41:42,040 --> 00:41:44,759
Speaker 2: a few months. I try and think, now is the

902
00:41:44,800 --> 00:41:47,400
Speaker 2: time when you want to be investing. If you are

903
00:41:47,440 --> 00:41:50,600
Speaker 2: hopeful about the future, if you have a long time horizon,

904
00:41:51,080 --> 00:41:53,720
Speaker 2: if you're especially like if you're someone in your thirties

905
00:41:53,800 --> 00:41:56,160
Speaker 2: or forties right now or younger, you certainly have a

906
00:41:56,160 --> 00:41:59,239
Speaker 2: few several decades ahead of you to whether not just

907
00:41:59,280 --> 00:42:02,800
Speaker 2: this economic crisis, but maybe a couple more. And I

908
00:42:02,840 --> 00:42:06,279
Speaker 2: personally increased my four to one K contribution and it

909
00:42:06,880 --> 00:42:09,160
Speaker 2: did feel a little counterintuitive, but it really makes sense

910
00:42:09,200 --> 00:42:11,759
Speaker 2: because the money that you invest now, you'll be able

911
00:42:11,800 --> 00:42:14,560
Speaker 2: to get more for it than you would have normally,

912
00:42:14,680 --> 00:42:17,880
Speaker 2: and then when the market does bounce back, those investments

913
00:42:17,920 --> 00:42:20,440
Speaker 2: will grow and you should be better off in the

914
00:42:20,560 --> 00:42:22,120
Speaker 2: end than if you didn't invest anything.

915
00:42:22,840 --> 00:42:23,520
Speaker 3: That's the hope.

916
00:42:23,920 --> 00:42:28,280
Speaker 2: Of course, nothing certain, but as a recession maybe myself,

917
00:42:28,760 --> 00:42:31,520
Speaker 2: I who started to save before and one K right

918
00:42:31,560 --> 00:42:34,359
Speaker 2: after the recession hit. I'm so grateful that I did,

919
00:42:34,880 --> 00:42:38,359
Speaker 2: and I think we will. You just have to look

920
00:42:38,400 --> 00:42:39,920
Speaker 2: at what history has shown us, which is that the

921
00:42:39,960 --> 00:42:43,920
Speaker 2: market will recover. This is also a very different recession.

922
00:42:44,320 --> 00:42:48,600
Speaker 2: This is a self inflicted recession. We will reopen the economy.

923
00:42:48,640 --> 00:42:51,319
Speaker 2: It may take a while, but already the market has

924
00:42:51,320 --> 00:42:56,080
Speaker 2: started to go up. And I think I definitely maybe

925
00:42:56,080 --> 00:42:58,160
Speaker 2: put it in an online Savan's account if you really

926
00:42:58,200 --> 00:43:00,920
Speaker 2: just want some security or a CV. We've talked about before,

927
00:43:00,960 --> 00:43:02,719
Speaker 2: but there's no point in a money market. I'm in

928
00:43:02,719 --> 00:43:06,200
Speaker 2: my opinion, yeah right, Like, well I want and this

929
00:43:06,280 --> 00:43:07,799
Speaker 2: is low right, so low.

930
00:43:08,120 --> 00:43:10,319
Speaker 1: So here I get it because I'm totally you where

931
00:43:10,320 --> 00:43:13,799
Speaker 1: I'm like, investing scary, scary, But to Mandy's point, if

932
00:43:13,840 --> 00:43:15,440
Speaker 1: you've got ten or more years and you should look

933
00:43:15,440 --> 00:43:19,200
Speaker 1: at investing as a long term activity. So there's something

934
00:43:19,239 --> 00:43:22,280
Speaker 1: called dollar cost averaging. So this is what I suggest,

935
00:43:22,400 --> 00:43:25,439
Speaker 1: is what I'm leaning into. So dollar cost averaging is when,

936
00:43:26,200 --> 00:43:28,759
Speaker 1: if you're an investor, you have money to invest, you

937
00:43:28,840 --> 00:43:31,200
Speaker 1: divide up. Let's just say you have, you know, a

938
00:43:31,280 --> 00:43:34,160
Speaker 1: thousand dollars that you don't put a thousand dollars into

939
00:43:34,200 --> 00:43:37,239
Speaker 1: the market today. Then instead you say, huh, you know what,

940
00:43:37,280 --> 00:43:39,960
Speaker 1: I'm going to divide one thousand dollars times ten months,

941
00:43:40,120 --> 00:43:42,239
Speaker 1: and I'm going to put one hundred dollars into the

942
00:43:42,280 --> 00:43:46,080
Speaker 1: market the first of every month, and as the market

943
00:43:46,120 --> 00:43:48,040
Speaker 1: goes up and down and up and down. Into the

944
00:43:48,080 --> 00:43:50,400
Speaker 1: market could mean your retirement account. It could mean opening

945
00:43:50,520 --> 00:43:53,080
Speaker 1: up a target date fund or a mutual fund, or

946
00:43:53,120 --> 00:43:54,200
Speaker 1: investing in indexes.

947
00:43:54,480 --> 00:43:56,319
Speaker 3: But if you do that, if you.

948
00:43:56,600 --> 00:44:01,120
Speaker 1: If you consistantly put money away for an investing, this

949
00:44:01,160 --> 00:44:04,279
Speaker 1: is dollars cost averaging. It means that there'll be some

950
00:44:04,400 --> 00:44:07,160
Speaker 1: days that you put money in and your money goes down,

951
00:44:07,239 --> 00:44:09,000
Speaker 1: and there'll be some days you put money in and

952
00:44:09,000 --> 00:44:12,520
Speaker 1: your money goes up, and the ups and downs will

953
00:44:12,600 --> 00:44:17,279
Speaker 1: average out to a basic return. So that's what I

954
00:44:17,320 --> 00:44:20,360
Speaker 1: would lean into that. If you like, I'm assuming that

955
00:44:20,400 --> 00:44:23,399
Speaker 1: if you're putting money, if you reach your twenty thousand dollars,

956
00:44:24,200 --> 00:44:25,960
Speaker 1: that you didn't reach the twenty thousand dollars and one

957
00:44:26,000 --> 00:44:28,879
Speaker 1: lump sum that let's just say you were saving five

958
00:44:28,960 --> 00:44:31,080
Speaker 1: hundred bucks a month, you know, and you're like, okay,

959
00:44:31,080 --> 00:44:34,839
Speaker 1: I don't need any more additional savings. So I would

960
00:44:34,840 --> 00:44:37,520
Speaker 1: be putting that five hundred bucks a month consistently. And

961
00:44:37,560 --> 00:44:40,719
Speaker 1: you will see over the next ten years or so

962
00:44:41,400 --> 00:44:43,879
Speaker 1: that you know, yes, there will be sometimes your money

963
00:44:43,880 --> 00:44:45,480
Speaker 1: has gone down and sometimes it's gone a wagh up,

964
00:44:45,760 --> 00:44:48,479
Speaker 1: but it will average out to an up over time.

965
00:44:48,520 --> 00:44:51,239
Speaker 1: That is what the market teaches us. And so you

966
00:44:51,280 --> 00:44:53,000
Speaker 1: actually lose money, like, don't be like me. I was

967
00:44:53,000 --> 00:44:56,239
Speaker 1: such a quarter of cash, Like I can only imagine

968
00:44:56,239 --> 00:44:58,840
Speaker 1: in the last ten years how much money I actually

969
00:44:58,920 --> 00:45:02,719
Speaker 1: lost by saving so much in cash. I mean, I

970
00:45:02,760 --> 00:45:04,520
Speaker 1: had so much saved in cash. The house I'm sitting

971
00:45:04,640 --> 00:45:06,560
Speaker 1: now I bought with cash. You should not have that

972
00:45:06,640 --> 00:45:09,600
Speaker 1: much take like I should not have had that much saved.

973
00:45:09,640 --> 00:45:12,319
Speaker 1: And I knew it was my fear, even though like

974
00:45:12,400 --> 00:45:14,359
Speaker 1: my brain was like Tiffany, you don't need this much save,

975
00:45:14,400 --> 00:45:17,719
Speaker 1: this is crazy, but my heart was like a scant up,

976
00:45:17,719 --> 00:45:18,319
Speaker 1: scanted up, scared.

977
00:45:18,320 --> 00:45:19,480
Speaker 3: I don't want to put it. I don't want to

978
00:45:19,520 --> 00:45:20,560
Speaker 3: lose it. I don't want to lose it.

979
00:45:20,680 --> 00:45:22,520
Speaker 1: So I ended up, like I said, buying a house cash,

980
00:45:22,560 --> 00:45:25,600
Speaker 1: which is honestly, that's great in all but you know,

981
00:45:26,040 --> 00:45:28,880
Speaker 1: I lost out in the long run by not giving

982
00:45:28,920 --> 00:45:31,560
Speaker 1: my money a chance to grow, and so that's what

983
00:45:31,600 --> 00:45:34,480
Speaker 1: I want for you. So do your googles dollar costs averaging,

984
00:45:34,480 --> 00:45:37,880
Speaker 1: which just basically means that you just put money in. Basically,

985
00:45:37,880 --> 00:45:41,240
Speaker 1: it's almost like drip marketing. You just drip drip investing.

986
00:45:41,280 --> 00:45:45,600
Speaker 1: You just drip drip drip your money in consistently over time,

987
00:45:45,719 --> 00:45:47,640
Speaker 1: and then you will see consistently over time that the

988
00:45:47,680 --> 00:45:50,319
Speaker 1: good times and the bad times will weigh out to

989
00:45:50,760 --> 00:45:51,919
Speaker 1: decent times over time.

990
00:45:52,200 --> 00:45:55,080
Speaker 2: Yeah, definitely one hundred percent, and with twenty k in

991
00:45:55,080 --> 00:45:57,560
Speaker 2: the bank. I mean, if you want someone to help,

992
00:45:57,840 --> 00:46:00,400
Speaker 2: a financial planner can help you decide. Like pecially my

993
00:46:00,440 --> 00:46:03,680
Speaker 2: financial planner, she helped me strategize I didn't do. I

994
00:46:03,719 --> 00:46:06,600
Speaker 2: didn't start saving, like putting everything into the market and

995
00:46:06,760 --> 00:46:09,719
Speaker 2: his stocks. We were like a little bit conservative. So

996
00:46:09,800 --> 00:46:12,240
Speaker 2: for shorter term goals, we opened a couple of CDs

997
00:46:12,280 --> 00:46:15,120
Speaker 2: and then we put extra money into our IRA. Like

998
00:46:15,320 --> 00:46:18,600
Speaker 2: there's different levels, you know, but money markets again, like

999
00:46:18,640 --> 00:46:21,360
Speaker 2: you might as well just put money into your savings account.

1000
00:46:21,440 --> 00:46:23,799
Speaker 2: It'll be it'll do just as well, if not better

1001
00:46:23,840 --> 00:46:26,720
Speaker 2: than a a money market. While we're on the subject.

1002
00:46:26,719 --> 00:46:28,520
Speaker 2: We had another We had a similar question from a

1003
00:46:28,560 --> 00:46:31,759
Speaker 2: listener essentially wanting to know. Okay, so if now it's

1004
00:46:31,800 --> 00:46:34,080
Speaker 2: a good time to invest, how do I start? And

1005
00:46:34,120 --> 00:46:35,920
Speaker 2: this is from a listener, what does she want to be?

1006
00:46:35,960 --> 00:46:39,719
Speaker 2: Remain anonymous? Where did it go? I swiped on my phone? Oh,

1007
00:46:39,719 --> 00:46:44,319
Speaker 2: here we go. Let's see from Instagram. Let's just call

1008
00:46:44,360 --> 00:46:46,120
Speaker 2: her too too, because I see that in her instant

1009
00:46:46,160 --> 00:46:47,839
Speaker 2: name and I don't know how to pronounce the rest

1010
00:46:47,840 --> 00:46:49,920
Speaker 2: of it. I love she's saying, it's now a good

1011
00:46:49,920 --> 00:46:51,680
Speaker 2: time to invest. I want to take advantage of the

1012
00:46:51,719 --> 00:46:54,080
Speaker 2: discounted prices that you guys talk about on the show.

1013
00:46:54,400 --> 00:46:56,239
Speaker 2: And by discount she means like when I say clear

1014
00:46:56,239 --> 00:46:59,600
Speaker 2: and sale. But there is a lot of information overload

1015
00:46:59,640 --> 00:47:01,200
Speaker 2: in the book time reading, and it's hard to know

1016
00:47:01,280 --> 00:47:03,120
Speaker 2: when you're really truly ready to jump in and when

1017
00:47:03,120 --> 00:47:06,400
Speaker 2: you're a novice investor. Thanks, and i'd like I made anonymous.

1018
00:47:06,600 --> 00:47:08,239
Speaker 2: Well it's okay because I didn't use your real name.

1019
00:47:09,440 --> 00:47:11,960
Speaker 2: So yeah, so similar, So okay. So people like her

1020
00:47:12,239 --> 00:47:14,160
Speaker 2: who you know, Oh, they want to jump in. It's

1021
00:47:14,200 --> 00:47:15,800
Speaker 2: like trying to jump in and during a game of

1022
00:47:15,840 --> 00:47:22,799
Speaker 2: double Dutch, like you're trying to like anyway sender lost fellow, Okay,

1023
00:47:22,800 --> 00:47:23,279
Speaker 2: anyway you.

1024
00:47:23,280 --> 00:47:24,520
Speaker 3: Could, I could just see you walk it back and

1025
00:47:24,560 --> 00:47:25,280
Speaker 3: for you like, oh wait.

1026
00:47:25,120 --> 00:47:29,880
Speaker 2: Okay, yeah just jump just jump but jump into like

1027
00:47:30,120 --> 00:47:32,760
Speaker 2: you know, jump in with your toe Like well, anyway,

1028
00:47:32,760 --> 00:47:34,600
Speaker 2: I've been talking a lot, Tiff. What would you say

1029
00:47:34,800 --> 00:47:35,120
Speaker 2: to this?

1030
00:47:36,120 --> 00:47:38,080
Speaker 1: I honestly this, So this is what I would say.

1031
00:47:38,080 --> 00:47:41,520
Speaker 1: I would say, look into index funds. So if you

1032
00:47:41,800 --> 00:47:43,839
Speaker 1: now is not the time to be like, oh, I'm

1033
00:47:43,920 --> 00:47:46,800
Speaker 1: a start picking stocks I because you're not going to

1034
00:47:46,880 --> 00:47:50,880
Speaker 1: know and even if you happen to luckily pick a

1035
00:47:50,880 --> 00:47:53,240
Speaker 1: stock that goes up. Look, let's just say like Beyond

1036
00:47:53,280 --> 00:47:55,000
Speaker 1: Meat did really great today, right, and you pick a

1037
00:47:55,000 --> 00:47:58,040
Speaker 1: stock you're like woo. But if you haven't followed, like

1038
00:47:58,480 --> 00:48:01,000
Speaker 1: what made Beyond Meat a good stock? You know, what

1039
00:48:01,080 --> 00:48:03,399
Speaker 1: are their profits versus their dead are?

1040
00:48:03,440 --> 00:48:03,600
Speaker 2: You know?

1041
00:48:03,719 --> 00:48:06,600
Speaker 1: Are they using their cash effectively? Like who's running the company?

1042
00:48:06,760 --> 00:48:10,239
Speaker 1: So to understand why a stock actually went up, it's

1043
00:48:10,280 --> 00:48:12,719
Speaker 1: like buying a house without getting an inspection, like why

1044
00:48:12,800 --> 00:48:15,240
Speaker 1: is this house a good house? So then I wouldn't

1045
00:48:15,520 --> 00:48:19,279
Speaker 1: be purchasing individual stocks unless you were going to like

1046
00:48:19,680 --> 00:48:22,800
Speaker 1: take a course and learn more about how to properly

1047
00:48:22,840 --> 00:48:24,640
Speaker 1: do so if you don't not to do anything else,

1048
00:48:24,640 --> 00:48:27,799
Speaker 1: you can invest in the in an index. So you

1049
00:48:27,800 --> 00:48:29,920
Speaker 1: can invest in an index almost like as a as

1050
00:48:29,920 --> 00:48:32,400
Speaker 1: a stock. That's called that ETF. That's you can I

1051
00:48:32,400 --> 00:48:36,200
Speaker 1: don't remember some of the symbols like boo, there's some symbols. Well,

1052
00:48:36,200 --> 00:48:39,799
Speaker 1: you can literally just google ETF index funds. And so

1053
00:48:40,000 --> 00:48:42,719
Speaker 1: an index fund is just a like the S and

1054
00:48:42,800 --> 00:48:45,839
Speaker 1: P five hundred, the Dow, the what is it? What's

1055
00:48:45,840 --> 00:48:47,960
Speaker 1: some other indexes? I always sent the smp F one hundred,

1056
00:48:47,960 --> 00:48:48,840
Speaker 1: the well.

1057
00:48:48,719 --> 00:48:51,120
Speaker 2: The standards like the SNP is kind of like when

1058
00:48:51,200 --> 00:48:53,520
Speaker 2: you're opening up an index fund, this is most likely

1059
00:48:53,960 --> 00:48:56,800
Speaker 2: the index that it'll track against. And you can start

1060
00:48:56,840 --> 00:48:59,280
Speaker 2: with anything like and I think even for a novice,

1061
00:48:59,320 --> 00:49:01,640
Speaker 2: it's almost like where to open an account at. You can

1062
00:49:01,680 --> 00:49:04,920
Speaker 2: open an account at Vanguard, at Fidelity, at your local

1063
00:49:05,280 --> 00:49:08,319
Speaker 2: your bank might have an investing platform like you. There's

1064
00:49:08,320 --> 00:49:11,160
Speaker 2: a bunch of like low cost brokerage accounts out there.

1065
00:49:11,640 --> 00:49:15,680
Speaker 2: Open up individual I RAY account or sorry, an IRA

1066
00:49:15,760 --> 00:49:18,359
Speaker 2: account or like a brokerage account, which are a little

1067
00:49:18,360 --> 00:49:21,359
Speaker 2: bit different. I can post a helpful article on this too.

1068
00:49:21,440 --> 00:49:23,319
Speaker 2: I know you said you're overloaded by reading, but you

1069
00:49:23,440 --> 00:49:25,360
Speaker 2: want to understand a little bit the type of account

1070
00:49:25,360 --> 00:49:28,000
Speaker 2: that you're getting once you're in there. If you really

1071
00:49:28,040 --> 00:49:30,400
Speaker 2: just want hands off, you can do like a target

1072
00:49:30,520 --> 00:49:33,200
Speaker 2: date fund, which is a type of mutual fund that

1073
00:49:33,360 --> 00:49:36,080
Speaker 2: tracks you pick the target day fund that matches when

1074
00:49:36,080 --> 00:49:38,839
Speaker 2: you think you'll retire, and then it just invests for you.

1075
00:49:39,280 --> 00:49:40,920
Speaker 2: I have a target day fund in my four to

1076
00:49:41,000 --> 00:49:43,919
Speaker 2: one k. It's worked out beautifully for me. I don't

1077
00:49:43,960 --> 00:49:46,320
Speaker 2: have to think about it, and it's just grown because

1078
00:49:47,000 --> 00:49:50,160
Speaker 2: it's very heavily invested in stocks now and it will

1079
00:49:50,160 --> 00:49:53,839
Speaker 2: get conserve more conservative as I get older target date.

1080
00:49:54,120 --> 00:49:57,640
Speaker 2: Yes that being said, like I was talking to my

1081
00:49:57,680 --> 00:50:00,799
Speaker 2: cousin yesterday and a banana who I love. How old

1082
00:50:00,840 --> 00:50:02,600
Speaker 2: is she now? Like too old to be called Anna Banana?

1083
00:50:02,719 --> 00:50:07,319
Speaker 2: But whatever? Twenty one, twenty two and she's been She

1084
00:50:07,760 --> 00:50:10,640
Speaker 2: has been playing around with some investing apps like Acorns

1085
00:50:11,160 --> 00:50:15,040
Speaker 2: and Stash, and there are these robo advisors that can

1086
00:50:15,200 --> 00:50:20,120
Speaker 2: also be like an entryway into investing, and ultimately it's

1087
00:50:20,360 --> 00:50:22,720
Speaker 2: it's kind of the same thing. They help you invest

1088
00:50:22,800 --> 00:50:27,360
Speaker 2: in index funds like diversified mutual funds, which is you know,

1089
00:50:27,400 --> 00:50:29,480
Speaker 2: they kind of take the guesswork out of it. For you.

1090
00:50:30,000 --> 00:50:33,120
Speaker 2: So it's almost a question of would you rather pick

1091
00:50:33,239 --> 00:50:35,440
Speaker 2: the brokerage account you want and do the work of

1092
00:50:35,480 --> 00:50:38,480
Speaker 2: setting up your account through them, which takes a little

1093
00:50:38,480 --> 00:50:41,640
Speaker 2: bit of research, or you can use a robo advisor,

1094
00:50:41,680 --> 00:50:44,440
Speaker 2: which takes even less of the guestwork out of the

1095
00:50:44,440 --> 00:50:46,680
Speaker 2: whole investing thing. Just to get your feet wet, I

1096
00:50:46,719 --> 00:50:49,719
Speaker 2: mean those are so I think we talked about acorns before,

1097
00:50:50,120 --> 00:50:51,279
Speaker 2: I forgetting like.

1098
00:50:51,480 --> 00:50:54,359
Speaker 1: It's like acorns, there's some well that's not really that well,

1099
00:50:54,400 --> 00:50:57,680
Speaker 1: I guess the oh betterment wealth front and you look

1100
00:50:57,719 --> 00:50:59,600
Speaker 1: like when it comes to index funds, like at a

1101
00:50:59,640 --> 00:51:03,279
Speaker 1: wealth like at a Vanguard or a chop Swab or

1102
00:51:03,280 --> 00:51:05,600
Speaker 1: a fidelity, they usually almost all of them have something

1103
00:51:05,640 --> 00:51:09,680
Speaker 1: called a total market fun meeting. Basically you're buying like

1104
00:51:09,800 --> 00:51:11,799
Speaker 1: a slice of what the market is doing. So as

1105
00:51:11,840 --> 00:51:13,200
Speaker 1: the market goes up, your money goes up. As the

1106
00:51:13,200 --> 00:51:15,080
Speaker 1: market goes down, your money goes down. And over time,

1107
00:51:15,160 --> 00:51:19,000
Speaker 1: the market goes up over time. And so if you

1108
00:51:19,000 --> 00:51:20,840
Speaker 1: don't know how to do anything else, like yeah, getting

1109
00:51:20,840 --> 00:51:23,799
Speaker 1: your like investing in an index fund and looking at

1110
00:51:23,800 --> 00:51:26,560
Speaker 1: a total market fund, and that's the most set it

1111
00:51:26,600 --> 00:51:28,920
Speaker 1: and forget it that you can get and know that

1112
00:51:29,400 --> 00:51:32,719
Speaker 1: in a ten year span, the likelihood is is your

1113
00:51:32,760 --> 00:51:35,480
Speaker 1: money is going to grow without any interference from you.

1114
00:51:35,719 --> 00:51:37,759
Speaker 1: Like if you're wanting to learn about stocks and this

1115
00:51:37,840 --> 00:51:40,880
Speaker 1: and that, then do that, But you know, not now.

1116
00:51:41,160 --> 00:51:44,040
Speaker 1: I don't think it's almost like you know, you're learning

1117
00:51:44,040 --> 00:51:46,719
Speaker 1: how to fly the plane on your way up. It's like, uh,

1118
00:51:47,200 --> 00:51:49,000
Speaker 1: now's up the time. Now's the time to be able

1119
00:51:49,080 --> 00:51:51,640
Speaker 1: to figure out how to autopilot, and then you know,

1120
00:51:51,680 --> 00:51:54,000
Speaker 1: when you're safely on the ground, take your take your

1121
00:51:54,000 --> 00:51:57,160
Speaker 1: flight lessons, Like don't take flight lessons like the day

1122
00:51:57,200 --> 00:52:00,000
Speaker 1: of your first flight, because you're guaranteed to lose money

1123
00:52:00,160 --> 00:52:00,480
Speaker 1: that way.

1124
00:52:00,560 --> 00:52:00,839
Speaker 3: I think.

1125
00:52:00,880 --> 00:52:04,439
Speaker 2: Anyway, Yeah, and I also think, like anyone who's thinking

1126
00:52:04,480 --> 00:52:06,400
Speaker 2: about starting to invest, I just say, just do it

1127
00:52:06,440 --> 00:52:09,120
Speaker 2: the easiest way possible. Just that, like, get a small

1128
00:52:09,160 --> 00:52:11,879
Speaker 2: win now rather than wait to be an expert. You're

1129
00:52:11,880 --> 00:52:13,759
Speaker 2: reading books. I think that's you don't even have to

1130
00:52:13,800 --> 00:52:15,920
Speaker 2: read all those books, to be honest, and reading those books,

1131
00:52:15,960 --> 00:52:19,680
Speaker 2: you're kind of like you could just open a target

1132
00:52:19,760 --> 00:52:21,960
Speaker 2: date fund and just start putting like five hundred bucks

1133
00:52:22,000 --> 00:52:23,600
Speaker 2: a month or however bunch you can afford into that

1134
00:52:23,640 --> 00:52:26,000
Speaker 2: target date fund, and then you can do additional research,

1135
00:52:26,040 --> 00:52:28,480
Speaker 2: like Tiff said, and learn how to do more more

1136
00:52:28,560 --> 00:52:31,440
Speaker 2: nuanced investing, or maybe buy some individual stocks if you

1137
00:52:31,440 --> 00:52:33,279
Speaker 2: have money to play around with. But for now, it's

1138
00:52:33,360 --> 00:52:36,239
Speaker 2: just like just start now. If you're if you're new,

1139
00:52:36,320 --> 00:52:38,000
Speaker 2: if you're just getting a new job and you're opening

1140
00:52:38,080 --> 00:52:40,120
Speaker 2: up your first four to one K, this is great

1141
00:52:40,160 --> 00:52:43,759
Speaker 2: because you're again the money that you're contributing. Now. If

1142
00:52:43,800 --> 00:52:45,480
Speaker 2: you contribute one hundred dollars to your four to one

1143
00:52:45,520 --> 00:52:47,759
Speaker 2: K today, when stocks are lower than they were a

1144
00:52:47,880 --> 00:52:51,000
Speaker 2: year ago, that one hundred dollars can buy you more. Right,

1145
00:52:51,120 --> 00:52:54,120
Speaker 2: So if those stocks that you buy end up increasing

1146
00:52:54,120 --> 00:52:56,319
Speaker 2: in value, well you've got a bigger return on your

1147
00:52:56,360 --> 00:52:58,759
Speaker 2: investment because you bought low. You can't plan for this

1148
00:52:58,880 --> 00:53:01,799
Speaker 2: kind of thing, but I would say if you, if

1149
00:53:01,800 --> 00:53:04,120
Speaker 2: you have like we said before, if you have time

1150
00:53:04,200 --> 00:53:06,400
Speaker 2: on your side, and you can handle a little bit

1151
00:53:06,440 --> 00:53:09,960
Speaker 2: of risk now. And again we're not investment experts. We're

1152
00:53:10,040 --> 00:53:12,640
Speaker 2: just like I'm just someone who's opened a four one

1153
00:53:12,719 --> 00:53:15,480
Speaker 2: K after the last recession and saw great things happen.

1154
00:53:15,920 --> 00:53:19,080
Speaker 2: I would say, yes, just start and don't overthink it.

1155
00:53:19,840 --> 00:53:23,319
Speaker 2: Which people, especially women, we like to feel like we

1156
00:53:23,440 --> 00:53:27,320
Speaker 2: understand something entirely before we jump in, and you could

1157
00:53:27,360 --> 00:53:29,440
Speaker 2: just set yourself up, you know, to miss out on

1158
00:53:29,480 --> 00:53:32,960
Speaker 2: potential returns by you know, waiting until you are an

1159
00:53:33,000 --> 00:53:34,920
Speaker 2: expert to dipe in.

1160
00:53:35,120 --> 00:53:40,880
Speaker 1: Exactly, exactly exactly as my husband, my husband, my sister's

1161
00:53:40,920 --> 00:53:43,040
Speaker 1: husband would say, exactly.

1162
00:53:43,160 --> 00:53:46,840
Speaker 2: Since you brought that old chest no out exactly.

1163
00:53:49,000 --> 00:53:54,040
Speaker 3: Oh well, so it's time for a boosts. Oh breaks,

1164
00:53:54,239 --> 00:53:59,319
Speaker 3: you're gonna boost, You're gonna break, You're gonna boost a break. So, yeah,

1165
00:53:59,320 --> 00:54:03,560
Speaker 3: you gotta boost. Are you gonna break? Hi, I'm gonna

1166
00:54:03,600 --> 00:54:04,200
Speaker 3: let you go first.

1167
00:54:04,200 --> 00:54:06,160
Speaker 2: Oh, you know you're gonna let me go first. Thank you.

1168
00:54:06,239 --> 00:54:07,759
Speaker 2: I could tell, I can always tell on how you

1169
00:54:07,800 --> 00:54:09,640
Speaker 2: deliver it, whether or not I'm gonna go first or

1170
00:54:09,640 --> 00:54:13,160
Speaker 2: I'm gonna go second. I'm gonna do a boost for

1171
00:54:13,440 --> 00:54:16,760
Speaker 2: my sister and my brother and for myself for letting

1172
00:54:16,760 --> 00:54:21,600
Speaker 2: them help me, because in my pandemic parenting lifestyle right now,

1173
00:54:21,800 --> 00:54:24,960
Speaker 2: I usually am always leading the charge for like group

1174
00:54:25,040 --> 00:54:27,600
Speaker 2: gifts for our mom, group gifts for birth for the dad,

1175
00:54:27,680 --> 00:54:30,400
Speaker 2: for the birthday, like for Father's Day, Mother's Day, that

1176
00:54:30,480 --> 00:54:33,200
Speaker 2: kind of stuff. I just don't have the brain power

1177
00:54:33,239 --> 00:54:36,120
Speaker 2: of bandwidth. I thought Mother's Day was two weeks from now. Okay,

1178
00:54:36,560 --> 00:54:38,719
Speaker 2: it's it's come and listen. And if you're listening to

1179
00:54:38,800 --> 00:54:43,120
Speaker 2: this Wednesday morning, it is this Sunday, Like I should

1180
00:54:43,160 --> 00:54:45,880
Speaker 2: know this. I'm actually a mom this year. Anyway, but

1181
00:54:45,920 --> 00:54:49,640
Speaker 2: thank God for my sister because she arranged flower my

1182
00:54:49,719 --> 00:54:52,640
Speaker 2: mother listened to the show, she arranged flowers for my mom,

1183
00:54:53,120 --> 00:54:55,920
Speaker 2: and I had part of my identity is sort of

1184
00:54:55,960 --> 00:54:58,600
Speaker 2: like wrapped up in being the one who takes care

1185
00:54:58,640 --> 00:55:01,399
Speaker 2: of shit in the siblings group, you know, and I've

1186
00:55:01,440 --> 00:55:03,680
Speaker 2: just had to let it go and let my brother

1187
00:55:03,719 --> 00:55:06,600
Speaker 2: and sister step up. And it was the same story

1188
00:55:06,920 --> 00:55:09,680
Speaker 2: around my mother's birthday last month. When we did we

1189
00:55:09,719 --> 00:55:12,680
Speaker 2: wanted to compile all these video messages from all of

1190
00:55:12,680 --> 00:55:15,520
Speaker 2: her loved ones across the country, friends, since she hasn't

1191
00:55:15,560 --> 00:55:19,080
Speaker 2: seen since college and you know, from her early working days.

1192
00:55:19,120 --> 00:55:21,960
Speaker 2: And I was like, I'm going to edit it and

1193
00:55:22,040 --> 00:55:24,640
Speaker 2: I'm going to collect all the video snippets. No no, no,

1194
00:55:24,640 --> 00:55:26,480
Speaker 2: no no no. Very quickly I learned I needed to

1195
00:55:26,520 --> 00:55:29,560
Speaker 2: ask them for help. And anyway, it's a small thing,

1196
00:55:29,640 --> 00:55:32,880
Speaker 2: but if you guys can ask for help from siblings,

1197
00:55:33,480 --> 00:55:36,000
Speaker 2: I've and it's brought us so much closer together that

1198
00:55:36,080 --> 00:55:39,919
Speaker 2: I've like been open to having them help more and

1199
00:55:40,040 --> 00:55:42,840
Speaker 2: I love them so so much and I feel so

1200
00:55:42,960 --> 00:55:46,040
Speaker 2: blessed to have them here to help me keep it together.

1201
00:55:46,600 --> 00:55:48,680
Speaker 2: And I just don't know where. I just don't know

1202
00:55:48,719 --> 00:55:50,800
Speaker 2: where I be right now without my brother and my sister.

1203
00:55:51,800 --> 00:55:55,160
Speaker 2: And I just wanted to boost that boost family, boost

1204
00:55:55,160 --> 00:55:59,280
Speaker 2: the help, and boost me for asking for it, which

1205
00:55:59,480 --> 00:56:01,640
Speaker 2: we all know I have struggled to do in the past.

1206
00:56:01,640 --> 00:56:04,400
Speaker 2: And that's why I have my mommy wrist and my

1207
00:56:04,400 --> 00:56:07,239
Speaker 2: wrist is an embrace because I literally didn't ask for

1208
00:56:07,280 --> 00:56:09,200
Speaker 2: help with the baby for a very long time and

1209
00:56:09,280 --> 00:56:10,520
Speaker 2: now I'm paying for it.

1210
00:56:11,280 --> 00:56:14,359
Speaker 3: Oh yeah, So I'm going to wait. Did I talk

1211
00:56:14,400 --> 00:56:15,759
Speaker 3: about Own last week?

1212
00:56:15,920 --> 00:56:19,560
Speaker 2: Own, like the Own network? Yeah? No, what about it?

1213
00:56:19,600 --> 00:56:22,680
Speaker 3: Okay? I literally had the worst Mammy. I'm like, we're

1214
00:56:22,680 --> 00:56:24,880
Speaker 3: gonna talking about it. So I am going to do

1215
00:56:25,040 --> 00:56:27,320
Speaker 3: a boost because.

1216
00:56:28,560 --> 00:56:30,000
Speaker 1: So now that the press release is are I can

1217
00:56:30,080 --> 00:56:32,799
Speaker 1: finally share because I said India, I'm like, can I share?

1218
00:56:33,320 --> 00:56:37,800
Speaker 1: So a few weeks ago, this production company that we

1219
00:56:37,840 --> 00:56:40,320
Speaker 1: all know. We've seen this production company's name flash across

1220
00:56:40,320 --> 00:56:42,600
Speaker 1: the screen many and many times, we sat and said,

1221
00:56:42,640 --> 00:56:45,480
Speaker 1: how interest in doing this show or being a guest

1222
00:56:45,520 --> 00:56:48,600
Speaker 1: on a show with Ayana Bonzan and I was like, what, so,

1223
00:56:49,480 --> 00:56:50,719
Speaker 1: Ayana Bonzan.

1224
00:56:50,520 --> 00:56:51,480
Speaker 2: Shud I know who that is?

1225
00:56:52,280 --> 00:56:53,600
Speaker 3: So misfix your life?

1226
00:56:54,440 --> 00:56:55,319
Speaker 2: Should I know who that is?

1227
00:56:56,160 --> 00:56:57,640
Speaker 1: Oh my gosh, I need to do your googles. And

1228
00:56:57,680 --> 00:57:01,000
Speaker 1: Yawa Banza she's a she is one of the protogees

1229
00:57:01,000 --> 00:57:02,520
Speaker 1: of Oprah. I'm sure she'd be like, girl, I'm not

1230
00:57:02,520 --> 00:57:06,440
Speaker 1: her protegee. But it's like, so that's that's how sasty

1231
00:57:06,520 --> 00:57:09,200
Speaker 1: she is. So it's Ayana, like you know how like

1232
00:57:09,320 --> 00:57:11,160
Speaker 1: so Oprah, these are like her main people that she's

1233
00:57:11,239 --> 00:57:13,279
Speaker 1: kind of like brought on board, right, So it's like

1234
00:57:13,680 --> 00:57:16,440
Speaker 1: doctor phil doctor I thought you're right?

1235
00:57:16,480 --> 00:57:18,360
Speaker 2: Are you right here for doctor Philer oz anymore?

1236
00:57:19,160 --> 00:57:19,520
Speaker 3: No, we're not.

1237
00:57:19,600 --> 00:57:21,360
Speaker 1: I'm just saying that, like this is like, you know

1238
00:57:21,360 --> 00:57:22,960
Speaker 1: how like Oprah brought these people.

1239
00:57:22,720 --> 00:57:25,080
Speaker 2: So like, yes, yes, she's given them her gifts, she's

1240
00:57:25,080 --> 00:57:26,080
Speaker 2: given them her shine.

1241
00:57:26,600 --> 00:57:29,200
Speaker 1: Yea is one of that can't but you never had

1242
00:57:29,240 --> 00:57:32,200
Speaker 1: to fix her fix your life. That's like a it's

1243
00:57:32,240 --> 00:57:35,400
Speaker 1: like huge because it's like everybody has jokes about it.

1244
00:57:35,400 --> 00:57:40,880
Speaker 2: Anyway, Sorry, that's fine. So you didn't know about the Casketeers,

1245
00:57:40,880 --> 00:57:41,520
Speaker 2: but I forgave you.

1246
00:57:41,640 --> 00:57:45,720
Speaker 1: I did it, and I was, although I wouldn't say

1247
00:57:45,760 --> 00:57:49,480
Speaker 1: that's the same. So they they reached out, was like, oh,

1248
00:57:49,480 --> 00:57:51,320
Speaker 1: we'd love to have you on the show, you know.

1249
00:57:51,480 --> 00:57:54,440
Speaker 1: So I did like a like a pre interview. They're like,

1250
00:57:54,440 --> 00:57:56,080
Speaker 1: oh my gosh, we love we love you. So it's

1251
00:57:56,080 --> 00:57:56,960
Speaker 1: just so funny how I.

1252
00:57:57,000 --> 00:57:59,280
Speaker 2: Always love you. All all you need to do is

1253
00:57:59,400 --> 00:58:01,360
Speaker 2: go on the phone them they're gonna love it.

1254
00:58:02,720 --> 00:58:04,000
Speaker 3: And I'm always like, oh, I don't know.

1255
00:58:04,320 --> 00:58:06,600
Speaker 1: And it's so it's just funny about how you plant

1256
00:58:06,640 --> 00:58:09,920
Speaker 1: seed sometimes years in advance. So the big producer was like,

1257
00:58:09,920 --> 00:58:11,720
Speaker 1: oh my god, years ago, I took your literature challenge

1258
00:58:11,720 --> 00:58:14,080
Speaker 1: and it totally helped me. And then the young producer

1259
00:58:14,080 --> 00:58:16,560
Speaker 1: shout out to Jessica. She was like, oh my god.

1260
00:58:16,560 --> 00:58:17,800
Speaker 1: When your name came up, I was like, we have

1261
00:58:17,840 --> 00:58:19,560
Speaker 1: to use her. And I'm like, I know you. She

1262
00:58:19,680 --> 00:58:22,280
Speaker 1: was like, you were my instructor at the Wien Academy.

1263
00:58:22,280 --> 00:58:24,400
Speaker 1: So the Wien Academy, I can't remember what WEEN stands for.

1264
00:58:24,600 --> 00:58:27,960
Speaker 1: It's like women in Entertainment. So I every year I

1265
00:58:28,080 --> 00:58:31,640
Speaker 1: volunteer and I teach this free financial class for these

1266
00:58:31,680 --> 00:58:34,360
Speaker 1: young women who were between the ages typically like sixteen

1267
00:58:34,400 --> 00:58:37,320
Speaker 1: to like twenty something and they attend. They fly into

1268
00:58:37,320 --> 00:58:41,720
Speaker 1: New York and attend like a weekend long like academy,

1269
00:58:42,040 --> 00:58:45,080
Speaker 1: and it's really awesome and it's all sisters and brown

1270
00:58:45,120 --> 00:58:47,760
Speaker 1: girls and you know, and I just thought to myself, Wow,

1271
00:58:47,800 --> 00:58:50,200
Speaker 1: what a full circle moment that, Like, had I not

1272
00:58:50,240 --> 00:58:51,800
Speaker 1: been doing that year after year, who knows that they

1273
00:58:51,840 --> 00:58:53,400
Speaker 1: would have been thought of me? Because I asked, how'd

1274
00:58:53,400 --> 00:58:56,040
Speaker 1: you find me? She's like, girl, you know, you came

1275
00:58:56,080 --> 00:58:57,880
Speaker 1: and you taught, and you were so awesome.

1276
00:58:57,560 --> 00:58:58,440
Speaker 3: And you were so giving.

1277
00:58:58,480 --> 00:59:02,080
Speaker 1: And I'm like, oh wow, So anyway, baby child, we

1278
00:59:02,280 --> 00:59:05,120
Speaker 1: like to have you on the show. And I'm thinking, like, okay,

1279
00:59:05,400 --> 00:59:08,160
Speaker 1: I'll be on this. This it's a limited series docu

1280
00:59:08,240 --> 00:59:10,600
Speaker 1: series with a talking about fear, and of course I'm

1281
00:59:10,600 --> 00:59:13,120
Speaker 1: going to talk about financial fear. Didn't think anything of

1282
00:59:13,160 --> 00:59:15,840
Speaker 1: it until the press release comes out and it says

1283
00:59:16,040 --> 00:59:21,000
Speaker 1: new show on own network docuseries. Special guests include Oprah Winfrey.

1284
00:59:21,160 --> 00:59:27,040
Speaker 1: I was like, wait what, R and B Legend BB Winings,

1285
00:59:27,080 --> 00:59:32,120
Speaker 1: I said, okay what? And financial educator Tiffany the Budgetista

1286
00:59:32,640 --> 00:59:34,240
Speaker 1: Variety on Dead.

1287
00:59:34,320 --> 00:59:40,640
Speaker 2: In a sentence, yes and a and a sentence and

1288
00:59:40,800 --> 00:59:42,040
Speaker 2: your name call.

1289
00:59:43,720 --> 00:59:44,280
Speaker 3: What.

1290
00:59:44,920 --> 00:59:47,400
Speaker 2: So basically you're on your way to being on her tour,

1291
00:59:48,080 --> 00:59:55,520
Speaker 2: the next Oprah Owned tour like backstage passes, backstage passes, Congress,

1292
00:59:56,280 --> 00:59:58,840
Speaker 2: bfd b ethic, Yes, yes.

1293
00:59:58,720 --> 01:00:01,000
Speaker 1: It is, and I just like, you know, like at first,

1294
01:00:01,000 --> 01:00:02,680
Speaker 1: I was kind of I was already excited before, but

1295
01:00:02,720 --> 01:00:04,600
Speaker 1: I didn't know that Oprah was also going to be

1296
01:00:04,640 --> 01:00:07,600
Speaker 1: a guest on the show. So it just it's just

1297
01:00:07,640 --> 01:00:10,120
Speaker 1: things like that. You're like, wow, but you think about

1298
01:00:10,560 --> 01:00:13,280
Speaker 1: the you know, like what you sew, you know what

1299
01:00:13,360 --> 01:00:15,800
Speaker 1: you reap, you truly have sown. And I think to myself, like,

1300
01:00:16,160 --> 01:00:18,600
Speaker 1: remember when I first did the first Literature Challenge. Everyone

1301
01:00:18,640 --> 01:00:21,200
Speaker 1: said basically I was dumb because I was giving it

1302
01:00:21,240 --> 01:00:23,480
Speaker 1: away for free, But I'm like, no, people really need help.

1303
01:00:23,680 --> 01:00:26,040
Speaker 1: There has to be something. I mean, I speak and

1304
01:00:26,080 --> 01:00:28,240
Speaker 1: I you know, and I have books now. So the

1305
01:00:28,360 --> 01:00:30,240
Speaker 1: challenges were my way to say, if you don't have

1306
01:00:30,400 --> 01:00:33,280
Speaker 1: any money, I can give you a full fledged course,

1307
01:00:33,880 --> 01:00:36,320
Speaker 1: like which is totally free. And it's like year six

1308
01:00:36,440 --> 01:00:37,360
Speaker 1: and all of them are.

1309
01:00:37,280 --> 01:00:39,840
Speaker 3: Still completely free. There's been no gotcha, gotcha.

1310
01:00:39,880 --> 01:00:43,320
Speaker 1: I did one with Magnify Money and Mandy was my

1311
01:00:43,400 --> 01:00:46,840
Speaker 1: special guest every week, so like that was the credit one,

1312
01:00:46,920 --> 01:00:48,640
Speaker 1: which is like one of my favorite ones. And so

1313
01:00:49,120 --> 01:00:50,880
Speaker 1: you just think about things like that that people tell

1314
01:00:50,920 --> 01:00:51,880
Speaker 1: you are like not the.

1315
01:00:51,880 --> 01:00:54,600
Speaker 3: Right move or take take, take or don't give.

1316
01:00:54,520 --> 01:00:57,080
Speaker 1: And you think to yourself, how that given these two instances,

1317
01:00:57,360 --> 01:00:59,080
Speaker 1: maybe they wouldn't have thought of me, you know. And

1318
01:00:59,120 --> 01:01:02,440
Speaker 1: who knows when once it air So it's supposed to air, well,

1319
01:01:02,440 --> 01:01:04,200
Speaker 1: it's supposed to begin airing. I don't know when my

1320
01:01:04,560 --> 01:01:06,760
Speaker 1: component airs, but begins airing. Macy, did you already tape

1321
01:01:06,760 --> 01:01:07,480
Speaker 1: twineteen twenty?

1322
01:01:08,400 --> 01:01:08,960
Speaker 3: Maybe?

1323
01:01:09,080 --> 01:01:11,080
Speaker 2: Oh, so you must say, oh, well, this is a

1324
01:01:11,160 --> 01:01:14,400
Speaker 2: quick turnaround. Did you tape it from home? Was this

1325
01:01:14,520 --> 01:01:15,680
Speaker 2: or was this pre pandemic?

1326
01:01:16,680 --> 01:01:18,240
Speaker 1: No, it takes it from home. They sent like they

1327
01:01:18,280 --> 01:01:19,920
Speaker 1: sent me like the equipment to set up.

1328
01:01:20,240 --> 01:01:23,360
Speaker 2: This is exciting. I know, girl, I'm glad I got

1329
01:01:23,360 --> 01:01:25,360
Speaker 2: cable for once in my life.

1330
01:01:25,600 --> 01:01:27,479
Speaker 1: And I don't which I'm like, damn, am I gonna

1331
01:01:27,480 --> 01:01:29,520
Speaker 1: have to get cable for this? So I think I

1332
01:01:29,520 --> 01:01:32,680
Speaker 1: get Someone said you can get like seven free days

1333
01:01:32,760 --> 01:01:33,400
Speaker 1: of like you.

1334
01:01:33,360 --> 01:01:37,840
Speaker 2: Know, a free trial to get to watch your own special.

1335
01:01:38,600 --> 01:01:40,760
Speaker 2: Make sure you time it right, are you?

1336
01:01:41,200 --> 01:01:42,480
Speaker 3: I was thinking, I was like, wait a minute, what

1337
01:01:42,520 --> 01:01:43,160
Speaker 3: am I gonna come on?

1338
01:01:44,200 --> 01:01:44,280
Speaker 2: So?

1339
01:01:44,360 --> 01:01:45,880
Speaker 1: Yeah, it was just like one of those like full

1340
01:01:45,880 --> 01:01:48,280
Speaker 1: circle moments of like, you know, reaping what you sew

1341
01:01:48,400 --> 01:01:52,280
Speaker 1: and I don't know, it just felt good to just

1342
01:01:52,360 --> 01:01:53,600
Speaker 1: you know, I actually have to call my mom and

1343
01:01:53,640 --> 01:01:55,280
Speaker 1: tell her, because you know, she has to let all

1344
01:01:55,280 --> 01:01:58,440
Speaker 1: the aunties know, all the aunties know, and so I

1345
01:01:58,480 --> 01:01:59,880
Speaker 1: don't want her to hear from them first, and she'd

1346
01:01:59,880 --> 01:02:00,960
Speaker 1: be like, they told.

1347
01:02:00,800 --> 01:02:02,840
Speaker 3: Me how comm you did everything. I wasn't prepared.

1348
01:02:03,400 --> 01:02:07,240
Speaker 1: So yeah, that's my big boost. And you know, the

1349
01:02:07,320 --> 01:02:09,400
Speaker 1: ups and downs and entrepreneurship you have those days you're like,

1350
01:02:09,440 --> 01:02:12,720
Speaker 1: you have up days you're like and sometimes it's in

1351
01:02:12,760 --> 01:02:16,520
Speaker 1: the same day. But that's definitely something that I'm excited about.

1352
01:02:16,680 --> 01:02:18,160
Speaker 1: I am a little nervous because I felt like I

1353
01:02:18,200 --> 01:02:20,240
Speaker 1: was nervous. I don't know how well I did.

1354
01:02:20,280 --> 01:02:20,680
Speaker 3: Honestly.

1355
01:02:20,960 --> 01:02:24,480
Speaker 1: Sometimes I can gauge. I will say that, you know,

1356
01:02:24,600 --> 01:02:25,520
Speaker 1: you're in the press release.

1357
01:02:26,760 --> 01:02:29,480
Speaker 3: Yeah I know, I know, but that doesn't mean I

1358
01:02:29,520 --> 01:02:32,160
Speaker 3: did good. I might, I don't know. We don't see.

1359
01:02:32,200 --> 01:02:35,440
Speaker 3: We will all be seeing together, So if it's terrible.

1360
01:02:36,000 --> 01:02:38,080
Speaker 1: That's my biggest worry is I'll do this whole big

1361
01:02:38,080 --> 01:02:40,680
Speaker 1: thing where I'm like, oh, watch party, and then it'll

1362
01:02:40,720 --> 01:02:41,080
Speaker 1: be like.

1363
01:02:41,120 --> 01:02:44,200
Speaker 2: Oh well, lit's send you will you will always have

1364
01:02:44,320 --> 01:02:48,320
Speaker 2: done the best Yanna what's her name? Yeah, you will?

1365
01:02:48,480 --> 01:02:51,320
Speaker 2: You will always have done the best interview with Yanla

1366
01:02:51,440 --> 01:02:53,959
Speaker 2: as you ever had done, because it's the first one,

1367
01:02:54,080 --> 01:02:56,959
Speaker 2: you know what I mean. Low expectations, Stephanie, we talked

1368
01:02:56,960 --> 01:03:02,080
Speaker 2: about this set them low to the fun I personally

1369
01:03:02,360 --> 01:03:04,480
Speaker 2: should have boosted the fact that when I got that

1370
01:03:04,560 --> 01:03:08,920
Speaker 2: Molly Moore book in the mail, and I it's just

1371
01:03:09,000 --> 01:03:12,200
Speaker 2: so exciting because like every friend, I've got a few friends,

1372
01:03:12,200 --> 01:03:14,200
Speaker 2: you've written books, and every time I get it, I

1373
01:03:14,360 --> 01:03:17,880
Speaker 2: just feel like, in some small part I was there

1374
01:03:18,640 --> 01:03:20,960
Speaker 2: when this was just an idea and it was just

1375
01:03:21,080 --> 01:03:22,640
Speaker 2: like and it's one of those things that you've been

1376
01:03:22,680 --> 01:03:25,760
Speaker 2: talking about for years on the podcast, and it's just

1377
01:03:25,800 --> 01:03:28,840
Speaker 2: so good to feel it in my hands. And I

1378
01:03:28,880 --> 01:03:32,920
Speaker 2: was so excited, and RIO loved the pictures and the

1379
01:03:32,960 --> 01:03:36,360
Speaker 2: illustrations are beautiful and it's such a cute little book.

1380
01:03:36,960 --> 01:03:38,919
Speaker 2: I do want to know what kind of friends Molly

1381
01:03:38,960 --> 01:03:41,840
Speaker 2: Moore has who are getting her five bikes and four

1382
01:03:41,920 --> 01:03:48,720
Speaker 2: phones and twelve dogs, and like like I, it's all

1383
01:03:48,720 --> 01:03:51,440
Speaker 2: for counting. Yeh, yeah, yeah, gotcha, gotcha, gotcha?

1384
01:03:51,560 --> 01:03:51,840
Speaker 1: I know.

1385
01:03:52,000 --> 01:03:53,440
Speaker 3: Congrat Molly is lit.

1386
01:03:53,920 --> 01:03:56,560
Speaker 2: Thank you, congrats. I'm so it's so happy, I'm so

1387
01:03:56,640 --> 01:04:00,480
Speaker 2: bos on my shelf and yeah, I just feel blessed

1388
01:04:00,520 --> 01:04:02,400
Speaker 2: to know people who are out there just creating such

1389
01:04:02,440 --> 01:04:05,840
Speaker 2: little treasures like this and we're super excited.

1390
01:04:05,880 --> 01:04:09,400
Speaker 3: Congrats, Thank you ya oh rill try to eat the book,

1391
01:04:09,440 --> 01:04:10,480
Speaker 3: that's how. That's a good sign.

1392
01:04:10,920 --> 01:04:14,000
Speaker 2: Everything he loves, he tries to consume. That is his.

1393
01:04:14,280 --> 01:04:19,480
Speaker 2: That is the stage we were at. Indeed, alrighty, well,

1394
01:04:19,520 --> 01:04:21,400
Speaker 2: thank you for another great show, Missy.

1395
01:04:22,360 --> 01:04:24,080
Speaker 1: Yes, thank you. This was a long one, but I

1396
01:04:24,080 --> 01:04:26,760
Speaker 1: think a longie, but a goodie. This show was brought

1397
01:04:26,760 --> 01:04:31,680
Speaker 1: to you by Rio's Nap. Thank you Rio Francisco for

1398
01:04:31,760 --> 01:04:35,240
Speaker 1: being one of our sponsors today. Yes, all right, well

1399
01:04:35,240 --> 01:04:37,720
Speaker 1: we will catch you all next week. Thanks for tuning in.