WEBVTT - Ep 215 - If Now is a Good Time To Invest, Where Do I Start?

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<v Speaker 1>Hey, hey, hey, we're back, We're black, We're round.

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<v Speaker 2>And this I was trying to hit you with the

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<v Speaker 2>bass there.

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<v Speaker 3>Coming in with the with the alto. Were you an alto?

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<v Speaker 3>Sopranos is alto high?

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<v Speaker 2>That sounds like a high.

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<v Speaker 1>No, sopranos are the high ones. The altos are the

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<v Speaker 1>for women are the low ones.

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<v Speaker 2>I was never anything regarding vocal prowess. I was, however,

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<v Speaker 2>first chair of clarinets in the concert band at Fayette

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<v Speaker 2>High School in Faithful, Georgia. I'll have you know. The

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<v Speaker 2>concert band was the lesser band than the symphony band.

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<v Speaker 2>So I was the best worst clarinet player, and I

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<v Speaker 2>wore you know what, first chair. I was like the bombsa.

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<v Speaker 2>You could not tell me anything about my clarinet skills.

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<v Speaker 3>It was, what are you crazy?

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<v Speaker 2>It's great being the captain of the bad clarinet players

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<v Speaker 2>because the bar is so low and you're the best

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<v Speaker 2>out of all of them. So honestly, oh, I come

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<v Speaker 2>at me like it's like you set your expectations low

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<v Speaker 2>and you end up happier.

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<v Speaker 3>Right now, Well, I I was. I never.

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<v Speaker 1>I mean I sang in choir only because the school

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<v Speaker 1>that I went to, especially the middle school that I

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<v Speaker 1>went to was like heavy on choir, which is now

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<v Speaker 1>I look back on it, that was odd, like everyone

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<v Speaker 1>saying in choir whatever choir.

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<v Speaker 3>I mean, I wasn't some great singer, but it was

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<v Speaker 3>for fun.

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<v Speaker 2>Yeah.

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<v Speaker 1>But what I did joined in high school was I

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<v Speaker 1>joined the step team.

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<v Speaker 3>Because I grew up in a largely Caucasian.

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<v Speaker 2>I'm surprised they even had a step team. Based on

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<v Speaker 2>what you've told me about your school, what.

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<v Speaker 3>It was, I think it had to be.

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<v Speaker 1>Maybe it was like sophomore year there was a young

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<v Speaker 1>brown sister named Cherrelle that moved from Newark to Westfield.

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<v Speaker 1>Shout out to you, Charrell. So Charrell brought with her

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<v Speaker 1>all these wonder for black things and we were like, oh,

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<v Speaker 1>what's that?

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<v Speaker 2>So she was like the first because you know, when

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<v Speaker 2>expectations are low, like you know, like you come to

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<v Speaker 2>a new school where there aren't very many black kids

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<v Speaker 2>and you're the black kid who knows how to do step,

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<v Speaker 2>then you're like first chair of the step dancers, like

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<v Speaker 2>you might have been a mediocre step dancer, you know

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<v Speaker 2>what I mean.

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<v Speaker 3>Like she was the coolest.

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<v Speaker 1>We were like Sorelle teaches your teachers, your Black Day, Yes,

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<v Speaker 1>like the.

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<v Speaker 3>Five Black Kids.

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<v Speaker 1>So she brought step to us and let's just say

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<v Speaker 1>I was all the way back. I was so terrible,

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<v Speaker 1>but I was determined. I said, oh no, I'm going

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<v Speaker 1>to be.

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<v Speaker 2>On the side. Yea, I need.

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<v Speaker 1>I was terrible, but I will say it was really

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<v Speaker 1>a lot of fun. But yeah, so that was my

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<v Speaker 1>that was my horrible group participation. But it was, like

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<v Speaker 1>I said, it was a lot of fun. Although she

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<v Speaker 1>was like, girl, you have to go all the way

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<v Speaker 1>in the back because you.

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<v Speaker 3>Are off off with them. How are you gonna be

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<v Speaker 3>African with no rhythm?

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<v Speaker 2>See, that's the thing that's like, It's so the stereotype

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<v Speaker 2>works against you. It's the same thing with my husband,

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<v Speaker 2>and well, bless his heart, he's not the best dancer.

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<v Speaker 2>Like he dances though, and it's hard for people out there.

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<v Speaker 2>It's hard to find a partner who will like dance

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<v Speaker 2>with you at the wedding or at the friends event

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<v Speaker 2>or whatever, you know. So he would try. But if

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<v Speaker 2>the Latin song feels like a but shot that comes

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<v Speaker 2>on mangue, he's sitting his butt down real fast. And

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<v Speaker 2>his younger brother can really dance and soak in his

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<v Speaker 2>fiance and any way, he gets a lot of shit

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<v Speaker 2>for for not being like the best but Shota dancer,

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<v Speaker 2>And you know, I'm sad for him because the expectations

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<v Speaker 2>are too hot. Meanwhile, I just swing my hips and

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<v Speaker 2>they're like oh, like they're like, yeah, I look at

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<v Speaker 2>that one, because again, low expectations. We should just title

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<v Speaker 2>this show Low Expectations. Yeah. I once had an idea

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<v Speaker 2>for a book that every time, but every time I

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<v Speaker 2>described it, it made me sound so sad. But I

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<v Speaker 2>and every time I tried to explain the premise, people

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<v Speaker 2>will look at me like are you okay? Because my

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<v Speaker 2>whole idea was it was literally a book about how

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<v Speaker 2>everyone would be happier if we just expected less from everything.

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<v Speaker 2>Expected less from your partner, you're going to find expected

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<v Speaker 2>less from the job that you have. And I think

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<v Speaker 2>I still think that this is true. I believe science

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<v Speaker 2>would back me up on this. When you have less

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<v Speaker 2>expectations for what an outcome will be, or lower expectations

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<v Speaker 2>than you end up being happier because you're grateful that

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<v Speaker 2>anything happened, you know what I mean. But yeah, but

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<v Speaker 2>that's just so against the American mindset around and I'm

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<v Speaker 2>not trying to get too philosophical. But I ended up

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<v Speaker 2>just like, stop talking about it because people will look

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<v Speaker 2>at me like, like I was, you know, had four heads.

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<v Speaker 3>What do you mean maybe like less is less.

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<v Speaker 2>Stratified with like less than excellence? What satisfied with like

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<v Speaker 2>a partner who can't be you know all seventy five

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<v Speaker 2>different friends and family and sexual God and God? Is

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<v Speaker 2>that you need in your life? What? No no one

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<v Speaker 2>wants to like admit.

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<v Speaker 1>That, admit now that maybe they're not having like you know,

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<v Speaker 1>well whatever, because I'm just like that I love that

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<v Speaker 1>it won't get better than this.

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<v Speaker 2>No one wants I'm saying it. I'm like, we're brown ambition,

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<v Speaker 2>not not brown. It's okay brown.

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<v Speaker 3>So so but like he comes back.

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<v Speaker 1>So I know last week we talked about a hard conversation,

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<v Speaker 1>So I had one today. Okay, Oh my gosh, I

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<v Speaker 1>want to tell you all day stress stress, stressed like

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<v Speaker 1>thought about him, literally took a walk beforehand, took a nap,

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<v Speaker 1>like stomach and bubble guts, sweating, and I'm like, Tiffany,

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<v Speaker 1>really all leading up to this conversation and it just

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<v Speaker 1>it went.

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<v Speaker 2>Okay, we would know what but Baltimore, what how long

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<v Speaker 2>had like, how long was this conversation coming? Did you

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<v Speaker 2>ask for it? Had it been hearing for a while?

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<v Speaker 2>Saying any specifics about what it was about, Well, I'll

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<v Speaker 2>say it's about money. I'll just leave it at that.

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<v Speaker 2>That Like, so, ye, it was about money. And it

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<v Speaker 2>was just.

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<v Speaker 1>Like I said, I'm was I told myself this is

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<v Speaker 1>what I told myself to kind of feel better. I

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<v Speaker 1>was like, before the conversation, I was like, you know, Tippy,

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<v Speaker 1>I know your stomach's inns, I know you feel like

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<v Speaker 1>a little uncomfortable, But guess what, girl, You're about to

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<v Speaker 1>have this conversation and that that is done.

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<v Speaker 3>Girl, that's done. That's my move. Yeah, no, it's not done.

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<v Speaker 1>I didn't anticipate that some hard conversations are actually hard

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<v Speaker 1>conversations plural.

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<v Speaker 3>Okay, so it's not it's not it's not resolved.

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<v Speaker 1>If it wasn't some like no knockdown, drag out like

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<v Speaker 1>bite or anything like that. But it's just it's not

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<v Speaker 1>resolved to more conversations to be had. And I'm like,

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<v Speaker 1>are you freaking kidding me? Like that was the one

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<v Speaker 1>thing I was leading on.

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<v Speaker 2>Well do you at least so what was do you

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<v Speaker 2>think that it's leading to more conversations because the first

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<v Speaker 2>conversation was so hard, and like, well, yeah, so just

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<v Speaker 2>tell me more, like what happened in the first conversation

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<v Speaker 2>And was it just that there was so much to

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<v Speaker 2>unpack that you realize is it like the meeting that

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<v Speaker 2>you think is going to be half an hour and

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<v Speaker 2>then you end up we need really need to do

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<v Speaker 2>twenty different things and we need to have some follow

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<v Speaker 2>up meeting to discuss and make sure we really cover

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<v Speaker 2>it cover our tracks.

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<v Speaker 3>Well, yeah, it was.

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<v Speaker 1>It was, well, this is not like this is actually

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<v Speaker 1>the second of the com first the first time it

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<v Speaker 1>didn't it was only like like five minutes because we

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<v Speaker 1>didn't have much time.

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<v Speaker 3>I was like, okay, we will reconvene.

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<v Speaker 1>And like talk about it next week and just like

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<v Speaker 1>really like lean into it. So I was like great,

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<v Speaker 1>even though the first time we talked about we were

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<v Speaker 1>supposed to really talk about it, but we just didn't

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<v Speaker 1>get a chance because it was like, you know, time

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<v Speaker 1>was like running thin and I'm like, damn it, I've

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<v Speaker 1>been in Nots all week to talk about it and

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<v Speaker 1>it's only like five minutes literally.

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<v Speaker 3>Like, hey, we we really should talk about this.

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<v Speaker 1>Thing, and I'm just like, ah, but I you know,

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<v Speaker 1>because I had already saved them all the anxiety. Yeah,

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<v Speaker 1>and so today I was like, no, we're plucked, We're

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<v Speaker 1>we're plowing ahead. And I just was like, you know,

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<v Speaker 1>plowing ahead, sharing how I found. She was sharing how

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<v Speaker 1>she felt and like and it wasn't like I said

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<v Speaker 1>it was. There was no yelling or anything. It was

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<v Speaker 1>like super calm, and but it was very clear that

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<v Speaker 1>it was like, yep, we both agreed that we don't agree.

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<v Speaker 1>And I was like, wait, well, I'm not gonna lie.

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<v Speaker 3>I had not planned for that. Oh I did not.

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<v Speaker 2>Oh oh so you expected to. You expected to kind

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<v Speaker 2>of like get what you wanted out of the conversation

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<v Speaker 2>or to have them understand where you were coming from.

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<v Speaker 2>But oh, this is just every fight my husband and

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<v Speaker 2>I have ever had, so yeah, continue.

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<v Speaker 1>So I thought that at the end she was going

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<v Speaker 1>to be like, you know what, you know what I see?

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<v Speaker 2>Yea, yeah, tell me tell me how right?

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<v Speaker 3>You were like, yeah, exactly, you know what.

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<v Speaker 1>I didn't see what you meant at first, but now

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<v Speaker 1>that you fully explained it, girl, yes I agree.

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<v Speaker 3>I don't know why.

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<v Speaker 1>I just thought that's what it was, but it was

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<v Speaker 1>more like you know what I hear, you still don't.

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<v Speaker 2>Agree though it was the worst, that's the worst, yes.

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<v Speaker 1>And I'm like, wait, so now we're going to have

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<v Speaker 1>another conversation, but so I think we're going to bring

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<v Speaker 1>in maybe like a like a neutral party to have

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<v Speaker 1>a conversation with us.

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<v Speaker 2>Okay, mediator. I've had to use a professional mediator. I

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<v Speaker 2>mean not a professional, but in my professional life, I

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<v Speaker 2>have needed to bring in a third party to be

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<v Speaker 2>there to witness the discussion, just as like, yeah, it's helpful,

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<v Speaker 2>it's helpful.

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<v Speaker 3>Yeah, and I think so too.

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<v Speaker 1>And I think that it's just I just feel like

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<v Speaker 1>lately in business that every time I solve an issue,

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<v Speaker 1>because usually I'm pretty I've gotten much better at like

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<v Speaker 1>like managing the stress of what it comes to being like,

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<v Speaker 1>you know, to running a business. So websites done, Okay,

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<v Speaker 1>you know we need a new hire quickly.

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<v Speaker 3>Because you know X y Z is leading on.

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<v Speaker 1>You know she's doesn't feel well, Okay, I've gotten so

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<v Speaker 1>much better at managing the day to day putting out

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<v Speaker 1>the fire component of business. And I'm like, I feel like,

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<v Speaker 1>you know, I mean, I sleep wildlight now, like but

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<v Speaker 1>lately the fires are blue, you know, like usually fires

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<v Speaker 1>are like you know, like I think blue is like

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<v Speaker 1>when the fire is hotter, right, is that what it is?

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<v Speaker 3>When it's like what you're.

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<v Speaker 2>Saying, Yeah, the hottest is the hottest part of the

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<v Speaker 2>flame is the blue part.

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<v Speaker 1>Yes, And so I'm like, wait what And it seems

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<v Speaker 1>like why am I putting out blue flames over and

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<v Speaker 1>over and over again? And I'm not gonna lie. It's

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<v Speaker 1>taking like this like emotional toll that I'm not used

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<v Speaker 1>to that. I used to feel like this in the

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<v Speaker 1>very beginning of business, when I didn't know how to

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<v Speaker 1>manage anything, you know, so I.

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<v Speaker 3>Was like ah all the time.

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<v Speaker 1>And now I'm like, oh, but you know, you're season tifty,

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<v Speaker 1>You're ten years in so, like I said, up until

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<v Speaker 1>I would say maybe like three or four months ago,

0:10:27.320 --> 0:10:29.120
<v Speaker 1>you know, I've been really good at like that kind

0:10:29.160 --> 0:10:31.200
<v Speaker 1>of thing and at like managing.

0:10:31.520 --> 0:10:33.520
<v Speaker 3>But now it's just different now.

0:10:33.600 --> 0:10:36.000
<v Speaker 1>And I'm like, but one thing I've learned after ten

0:10:36.080 --> 0:10:38.640
<v Speaker 1>years of business, and the part that sucks is like

0:10:38.640 --> 0:10:40.280
<v Speaker 1>I already know what's happening because I've been here so

0:10:40.280 --> 0:10:42.880
<v Speaker 1>many times before. I know what's happening, and I'm like, uh, Frank,

0:10:43.559 --> 0:10:47.640
<v Speaker 1>so something good is happening. Whenever I am growing to

0:10:47.720 --> 0:10:51.400
<v Speaker 1>the next level, this always happens that there is a

0:10:51.559 --> 0:10:57.120
<v Speaker 1>period of heavy uncomfortableness where everything sucks and I want

0:10:57.160 --> 0:11:00.240
<v Speaker 1>to quit. So I know that's what's happening, but I'm

0:11:00.280 --> 0:11:05.280
<v Speaker 1>still like I want to quit. Yes, everything, and so

0:11:05.480 --> 0:11:07.920
<v Speaker 1>that's what's happened. So I know one hundred thousand percent

0:11:07.960 --> 0:11:10.520
<v Speaker 1>that that's what's happening, but it doesn't make it easier.

0:11:10.520 --> 0:11:14.600
<v Speaker 1>I'm just like, I don't want to do it. I

0:11:14.600 --> 0:11:15.160
<v Speaker 1>don't want to.

0:11:15.440 --> 0:11:20.040
<v Speaker 2>You're going through hell. Keep going. That's the chant that

0:11:20.120 --> 0:11:21.120
<v Speaker 2>helps me sometimes.

0:11:23.120 --> 0:11:25.200
<v Speaker 1>I just so, I mean, like it's not that me obviously.

0:11:25.280 --> 0:11:27.079
<v Speaker 1>I mean I'm really blessed. I mean, thank God.

0:11:27.120 --> 0:11:28.000
<v Speaker 3>You know, home is good.

0:11:28.200 --> 0:11:30.520
<v Speaker 1>You know, my husband is good, my sisters are good,

0:11:30.559 --> 0:11:32.640
<v Speaker 1>my parents are good, my friends are good. So all

0:11:32.679 --> 0:11:35.040
<v Speaker 1>that's good and honestly the true things. Business actually has

0:11:35.120 --> 0:11:38.480
<v Speaker 1>literally never been better. So that's not it. It's just there

0:11:38.559 --> 0:11:41.120
<v Speaker 1>isn't no I'm growing, Like I know, there's an emotional

0:11:41.120 --> 0:11:44.400
<v Speaker 1>growth that's tied to like this external growth that I

0:11:44.440 --> 0:11:48.400
<v Speaker 1>have to meet this like oh this external growth internally,

0:11:48.600 --> 0:11:50.920
<v Speaker 1>and I'm not you know, and I know that. I

0:11:50.960 --> 0:11:52.079
<v Speaker 1>know it's like, well, Timmy, you have to put on

0:11:52.120 --> 0:11:53.720
<v Speaker 1>your big girl panting. It's like you have been avoiding

0:11:53.840 --> 0:11:56.680
<v Speaker 1>like growing this part of yourself for a long time,

0:11:56.920 --> 0:11:59.160
<v Speaker 1>and it's time now. And I've been like, wait one

0:11:59.160 --> 0:12:03.960
<v Speaker 1>more year, one more you're being a punk, please, and

0:12:04.120 --> 0:12:09.120
<v Speaker 1>like the external part, what's happening in my life? It's like, no, girl, no,

0:12:09.559 --> 0:12:12.480
<v Speaker 1>we have allowed you for forty years to navigate in

0:12:12.520 --> 0:12:15.800
<v Speaker 1>this space of like internal smallness in this one area

0:12:15.840 --> 0:12:19.079
<v Speaker 1>of your life, and literally you have to grow up

0:12:19.360 --> 0:12:21.440
<v Speaker 1>in this one area. You have to boss up and

0:12:21.480 --> 0:12:23.600
<v Speaker 1>you have to be like okay, and you have to

0:12:23.600 --> 0:12:26.640
<v Speaker 1>push through or you you know, like there's no option.

0:12:26.679 --> 0:12:28.679
<v Speaker 1>It's either this or you stay. Not even because I

0:12:28.679 --> 0:12:30.400
<v Speaker 1>already know what's going to happen if I don't push through.

0:12:30.600 --> 0:12:32.080
<v Speaker 1>It's not that I'm going to be allowed to stay

0:12:32.080 --> 0:12:35.079
<v Speaker 1>at this level. You actually move backwards. So I mean,

0:12:35.120 --> 0:12:37.400
<v Speaker 1>I know it. It's just honestly, it freaking sucks. I

0:12:37.400 --> 0:12:39.920
<v Speaker 1>hope you know. I share this with y'all because I

0:12:39.960 --> 0:12:42.800
<v Speaker 1>want you to know that, like, even when even in success,

0:12:43.480 --> 0:12:48.080
<v Speaker 1>there's you know, there's strife, there's gut wrenching moments.

0:12:47.720 --> 0:12:49.160
<v Speaker 3>Even like, you know, literally nothing's wrong.

0:12:49.160 --> 0:12:52.960
<v Speaker 1>We had our bus month yet in business, but like yeah,

0:12:53.000 --> 0:12:57.320
<v Speaker 1>there's still aspects that I'm learning and growing and it

0:12:57.360 --> 0:12:59.600
<v Speaker 1>freaking sucks. And I'm just like but I'm like literally

0:12:59.720 --> 0:13:01.199
<v Speaker 1>every year, I used to tell myself that this is

0:13:01.200 --> 0:13:02.959
<v Speaker 1>the year I was gonna work on this part of myself,

0:13:03.360 --> 0:13:05.560
<v Speaker 1>this character challenge. I spoke, ooh, this is the year,

0:13:05.600 --> 0:13:07.400
<v Speaker 1>Tiffany that we're going to work on like the hard

0:13:07.400 --> 0:13:08.400
<v Speaker 1>conversations part of you.

0:13:08.679 --> 0:13:12.880
<v Speaker 3>And then I'm like, you know what I'm gonna work on.

0:13:13.679 --> 0:13:17.960
<v Speaker 1>I'm gonna get in basiline instead, I want to get

0:13:17.960 --> 0:13:18.840
<v Speaker 1>a gym membership.

0:13:18.880 --> 0:13:19.640
<v Speaker 3>Oh that's what I'll do.

0:13:19.720 --> 0:13:22.880
<v Speaker 1>Let's work on this booty or like I'm gonna be

0:13:22.960 --> 0:13:25.840
<v Speaker 1>a better friend or I'm gonna be a better auntie

0:13:25.840 --> 0:13:27.560
<v Speaker 1>this year. So every year I kind of set like

0:13:28.200 --> 0:13:30.760
<v Speaker 1>goals and like this is always on the list.

0:13:30.520 --> 0:13:33.000
<v Speaker 3>And I'm like, yeah, I don't think I think I'm

0:13:33.040 --> 0:13:34.200
<v Speaker 3>gonna put this one to the side.

0:13:34.240 --> 0:13:37.319
<v Speaker 1>So this is the year that like it's forcing my hand, like, girl,

0:13:37.400 --> 0:13:38.760
<v Speaker 1>you are not going to be able to elevate to

0:13:38.800 --> 0:13:39.400
<v Speaker 1>the next level.

0:13:39.440 --> 0:13:41.320
<v Speaker 3>So, like I just said, it's just like.

0:13:41.440 --> 0:13:44.520
<v Speaker 2>Have you ever read the Year of Yes by Shonda

0:13:44.480 --> 0:13:47.719
<v Speaker 2>rh No, but I heard you're gonna say yes. Oh

0:13:47.760 --> 0:13:49.520
<v Speaker 2>it's so you need to read it. It's actually a

0:13:49.600 --> 0:13:54.280
<v Speaker 2>quick read. But it's about how Shonda, who was incredibly insecure,

0:13:54.520 --> 0:13:58.120
<v Speaker 2>and it's different because her insecurities and her shyness and

0:13:58.160 --> 0:14:02.440
<v Speaker 2>her social anxiety in part from her her weight issues.

0:14:02.480 --> 0:14:05.760
<v Speaker 2>So she struggled with her weight and anyway. And there

0:14:05.840 --> 0:14:08.599
<v Speaker 2>was one year that she decided because she was always

0:14:08.960 --> 0:14:12.280
<v Speaker 2>the writer inside of her shell, like never went out,

0:14:12.440 --> 0:14:15.640
<v Speaker 2>never said yes to any invitations in Hollywood, would just

0:14:15.760 --> 0:14:18.280
<v Speaker 2>hide from any and then she decided one year like, Okay,

0:14:18.320 --> 0:14:20.200
<v Speaker 2>I'm done with this. And it wasn't like she had

0:14:20.240 --> 0:14:22.600
<v Speaker 2>some big epiphany. It was like it's like you're saying,

0:14:22.720 --> 0:14:24.680
<v Speaker 2>it's just you kind of get tired of having the

0:14:24.720 --> 0:14:26.800
<v Speaker 2>same conversation with yourself and you're like, you know what,

0:14:26.960 --> 0:14:28.480
<v Speaker 2>this is the year I'm just going to say yes

0:14:28.520 --> 0:14:31.880
<v Speaker 2>to everything. And I really recommend it. I even recommend

0:14:31.880 --> 0:14:33.840
<v Speaker 2>the audiobook because she reads it herself. I think I

0:14:33.920 --> 0:14:36.040
<v Speaker 2>might have read the audio listened to the audiobook version,

0:14:36.440 --> 0:14:38.720
<v Speaker 2>but that's great, what I'll say, because I have the

0:14:38.720 --> 0:14:40.480
<v Speaker 2>same internal dialogue like I think a lot of us do.

0:14:40.520 --> 0:14:44.280
<v Speaker 2>There's always that like personal flaw like character flaw or

0:14:44.640 --> 0:14:49.040
<v Speaker 2>flawsa plural that you have that aren't as easy to imagine,

0:14:49.280 --> 0:14:51.200
<v Speaker 2>Like they're not as clear cut a path, Like you

0:14:51.240 --> 0:14:53.120
<v Speaker 2>want to fit into the bikini in six weeks. You

0:14:53.160 --> 0:14:54.760
<v Speaker 2>know you need to eat less and work out more.

0:14:55.400 --> 0:14:59.440
<v Speaker 2>But it's almost like with these you know, character like

0:14:59.520 --> 0:15:02.680
<v Speaker 2>the internal things that we have that can hinder us

0:15:02.720 --> 0:15:04.680
<v Speaker 2>or hold us back, Like you've said, there's not as

0:15:04.720 --> 0:15:06.560
<v Speaker 2>clear a path, and so it's it's harder and it's

0:15:06.560 --> 0:15:10.800
<v Speaker 2>also harder to measure success. And what I all I'll

0:15:10.840 --> 0:15:12.960
<v Speaker 2>say is like I hope that you celebrate even though

0:15:13.200 --> 0:15:15.480
<v Speaker 2>it has led to more conversations. You should still like

0:15:16.000 --> 0:15:19.160
<v Speaker 2>celebrate the win that you had, the conversation you might

0:15:19.200 --> 0:15:22.080
<v Speaker 2>not have had, and put yourself on the back and

0:15:22.560 --> 0:15:25.760
<v Speaker 2>acknowledge that it may not be like a clear linear

0:15:25.880 --> 0:15:28.800
<v Speaker 2>path and to get to the point where you're able

0:15:28.840 --> 0:15:31.040
<v Speaker 2>to like it may always be uncomfortable, and I think

0:15:31.040 --> 0:15:34.200
<v Speaker 2>it probably will because you're a human being uncomfortable to

0:15:34.240 --> 0:15:37.480
<v Speaker 2>have tough conversations with people. But it's like, you know,

0:15:37.560 --> 0:15:39.840
<v Speaker 2>how much time do you spend agonizing over it? Do

0:15:39.920 --> 0:15:41.960
<v Speaker 2>you always get bubble gut? Okay, No, this time I

0:15:41.960 --> 0:15:44.040
<v Speaker 2>didn't get the bubble cut. That time I didn't it

0:15:44.080 --> 0:15:46.960
<v Speaker 2>wasn't in the bathroom for four hours. And like, give

0:15:47.000 --> 0:15:50.840
<v Speaker 2>yourself a pat if you improve a little bit. And

0:15:50.880 --> 0:15:53.080
<v Speaker 2>that's and this is just like the type of thing

0:15:53.120 --> 0:15:56.800
<v Speaker 2>that I've worked on coming back from all the postpartum anxiety.

0:15:56.920 --> 0:16:00.840
<v Speaker 2>Is okay, if I fell asleep, you know, within forty

0:16:00.880 --> 0:16:03.480
<v Speaker 2>five minutes last night instead of four hours, Like that's

0:16:03.520 --> 0:16:07.400
<v Speaker 2>a win, okay, And just mark those little those little

0:16:07.440 --> 0:16:09.920
<v Speaker 2>wins because it isn't as Yeah, it's just not as

0:16:09.960 --> 0:16:11.960
<v Speaker 2>linear as some of the goals like you talked about before,

0:16:12.400 --> 0:16:14.080
<v Speaker 2>you know, working out, et cetera.

0:16:14.760 --> 0:16:16.520
<v Speaker 3>No, that is really good advice. I didn't think about that.

0:16:16.600 --> 0:16:19.320
<v Speaker 1>Like the fact is you had the conversation Tippany, that's

0:16:19.360 --> 0:16:21.040
<v Speaker 1>bigger than most Normally I'd be.

0:16:20.960 --> 0:16:24.960
<v Speaker 3>Like, uh oh I double booked. Hey, hey sis, can

0:16:25.000 --> 0:16:25.400
<v Speaker 3>we talk?

0:16:26.600 --> 0:16:29.720
<v Speaker 1>Oh my god, I would be the master avoid Like

0:16:29.800 --> 0:16:32.239
<v Speaker 1>sometimes Superman will ask me. They're like talk to Supergirl

0:16:32.520 --> 0:16:35.040
<v Speaker 1>about something difficult, like maybe like you know, they've got

0:16:35.040 --> 0:16:37.760
<v Speaker 1>into like an argument. He's a key talk to her,

0:16:38.200 --> 0:16:40.200
<v Speaker 1>so you know, because maybe they're arguing over like you know,

0:16:40.240 --> 0:16:43.680
<v Speaker 1>her not cleaning her room and whatever. She's getting sassy

0:16:43.800 --> 0:16:45.080
<v Speaker 1>and he's a key talk to her, and I'm looking

0:16:45.080 --> 0:16:49.080
<v Speaker 1>at him like to who, I.

0:16:49.000 --> 0:16:51.840
<v Speaker 3>Don't want to talk to a teenager. She's gonna kill me.

0:16:53.080 --> 0:16:57.280
<v Speaker 1>So I'm just yeah, Like it literally permeates every aspect

0:16:57.320 --> 0:16:59.200
<v Speaker 1>of my life, like it's it reached like a fever

0:16:59.320 --> 0:17:02.720
<v Speaker 1>pitch like me to every aspect of my life. I

0:17:02.760 --> 0:17:04.960
<v Speaker 1>could be at the supermarket and be like the person

0:17:05.000 --> 0:17:06.359
<v Speaker 1>that's standing in too close behind me, and I'm like,

0:17:06.400 --> 0:17:08.960
<v Speaker 1>you should really tell them six feet please, And like

0:17:09.040 --> 0:17:10.520
<v Speaker 1>in my inside, I'm like dying.

0:17:10.560 --> 0:17:12.280
<v Speaker 3>I'm like, you should say no, don't say nothing to

0:17:12.560 --> 0:17:14.440
<v Speaker 3>you should say no. Even how did that say?

0:17:14.520 --> 0:17:14.800
<v Speaker 2>He is?

0:17:15.119 --> 0:17:15.680
<v Speaker 3>You can get.

0:17:18.960 --> 0:17:23.000
<v Speaker 1>Like yeah, so it's yeah, So I'm I'm gonna But honestly,

0:17:23.000 --> 0:17:24.720
<v Speaker 1>one thing I like I've learned from you many like

0:17:24.760 --> 0:17:27.920
<v Speaker 1>I absolutely need to get a therapist. I've been saying

0:17:27.920 --> 0:17:29.959
<v Speaker 1>it for a long time anyway, because like you know,

0:17:30.080 --> 0:17:34.040
<v Speaker 1>like I'm typically decent at managing stress. Well, let me

0:17:34.119 --> 0:17:35.679
<v Speaker 1>not say that, because who knows if I don't even

0:17:35.680 --> 0:17:37.600
<v Speaker 1>know if I'm decent. Who knows what decent is? But

0:17:38.240 --> 0:17:40.240
<v Speaker 1>you know, I don't think typically a lot of things

0:17:40.600 --> 0:17:43.080
<v Speaker 1>bring me stress like they used to so I was

0:17:43.119 --> 0:17:45.280
<v Speaker 1>kind of like, I'm good, but I realized, no, I

0:17:45.320 --> 0:17:50.520
<v Speaker 1>would really love tools and resources to manage like you know,

0:17:50.600 --> 0:17:53.600
<v Speaker 1>stress and also tools and resources, because I was asking myself,

0:17:53.640 --> 0:17:56.880
<v Speaker 1>I'm like, I actually don't have the tools and resources

0:17:56.960 --> 0:18:00.440
<v Speaker 1>to navigate this because I, like, I grew up in

0:18:00.440 --> 0:18:03.280
<v Speaker 1>a household, like my parents are really strict, and so

0:18:03.400 --> 0:18:06.040
<v Speaker 1>it was like, you you have to be like walk

0:18:06.080 --> 0:18:08.760
<v Speaker 1>the straight and narrow or else. And so I know

0:18:08.840 --> 0:18:13.240
<v Speaker 1>that a lot of the anxiety comes from what's or else? Mean, Tiffany,

0:18:13.320 --> 0:18:16.199
<v Speaker 1>Like you have to be like in the straight and

0:18:16.280 --> 0:18:18.720
<v Speaker 1>narrow or else, and that's what That's the fear that

0:18:18.760 --> 0:18:21.199
<v Speaker 1>I carry around with me, is this fear of the

0:18:21.359 --> 0:18:23.760
<v Speaker 1>or else. And even though I'm adult now, it's like, well,

0:18:24.200 --> 0:18:26.720
<v Speaker 1>you can't get cut off, you know, you're not nine.

0:18:26.760 --> 0:18:28.800
<v Speaker 1>You're not gonna get a spanking, you know, But I

0:18:28.840 --> 0:18:32.280
<v Speaker 1>still carry that or else fear along with me.

0:18:32.320 --> 0:18:33.560
<v Speaker 3>And I'm just like I want to be able to

0:18:33.640 --> 0:18:34.000
<v Speaker 3>let that go.

0:18:34.080 --> 0:18:37.040
<v Speaker 1>But I know that if you can't build a house

0:18:37.080 --> 0:18:39.280
<v Speaker 1>that you want without the proper tools, and I know,

0:18:39.359 --> 0:18:41.960
<v Speaker 1>it's like, okay, it's pastime, it's time to get the

0:18:42.000 --> 0:18:44.160
<v Speaker 1>proper tools. So I'm actually looking forward to that because

0:18:44.160 --> 0:18:45.960
<v Speaker 1>I'm like, you know, cause I used to go to

0:18:46.000 --> 0:18:47.840
<v Speaker 1>therapy when I was in college because I was like

0:18:47.880 --> 0:18:50.840
<v Speaker 1>so overwhelmed and it was really really, really helpful. But

0:18:50.880 --> 0:18:53.480
<v Speaker 1>I have not gone, honestly since, even though I've said that,

0:18:54.119 --> 0:18:55.920
<v Speaker 1>you know, I've wanted to. It's just been I haven't

0:18:55.920 --> 0:18:58.359
<v Speaker 1>put the effort in, not because I'm opposed to therapy.

0:18:58.359 --> 0:19:00.719
<v Speaker 1>I'm like, ah, next time, next time. So I just

0:19:00.760 --> 0:19:04.080
<v Speaker 1>think that, yeah, I have to make it as important

0:19:04.080 --> 0:19:06.080
<v Speaker 1>as the other things in my life to like find

0:19:06.080 --> 0:19:09.240
<v Speaker 1>a therapist, you know, and I have like great insurance,

0:19:09.280 --> 0:19:11.160
<v Speaker 1>so I know that it would be covered.

0:19:11.160 --> 0:19:13.960
<v Speaker 2>So I'm like, girl, oh the therapist who takes insurance

0:19:14.280 --> 0:19:15.560
<v Speaker 2>like a magical unicorn.

0:19:16.040 --> 0:19:17.000
<v Speaker 3>But they don't take insurance.

0:19:17.320 --> 0:19:19.520
<v Speaker 2>That's part of the problem, is like, and this is

0:19:19.520 --> 0:19:22.200
<v Speaker 2>how I found my therapist. What I found this great

0:19:22.400 --> 0:19:26.040
<v Speaker 2>prenatal yoga studio that actually is like a wellness a

0:19:26.080 --> 0:19:31.000
<v Speaker 2>wellness business that focuses on like post and prenatal massage

0:19:31.000 --> 0:19:34.520
<v Speaker 2>therapy and they have like new mom trainings and they

0:19:34.560 --> 0:19:36.360
<v Speaker 2>did we did all lot of our like infant CPR

0:19:36.400 --> 0:19:38.360
<v Speaker 2>classes there, so it's more than just yoga, and they

0:19:38.359 --> 0:19:41.679
<v Speaker 2>have they refer people to experts in the field like

0:19:41.720 --> 0:19:44.080
<v Speaker 2>they have, like the certain like they have the they

0:19:44.200 --> 0:19:47.359
<v Speaker 2>endorse certain experts. So they endorse these three or four

0:19:47.440 --> 0:19:51.840
<v Speaker 2>different prenatal therapists who could who really specialized with new

0:19:51.880 --> 0:19:54.480
<v Speaker 2>moms or moms who're dealing with anxiety. And but I

0:19:54.600 --> 0:19:56.480
<v Speaker 2>call all of them, and none of them took my insurance.

0:19:56.480 --> 0:19:59.200
<v Speaker 2>But I got referred from them to someone who did

0:19:59.200 --> 0:20:02.160
<v Speaker 2>take my insurance, and I kept interviewing. So it's almost

0:20:02.240 --> 0:20:04.639
<v Speaker 2>it does take work. You have to start calling. Do

0:20:04.680 --> 0:20:05.720
<v Speaker 2>you take this insurance?

0:20:05.800 --> 0:20:05.840
<v Speaker 3>No?

0:20:06.000 --> 0:20:07.720
<v Speaker 2>Do you know someone who does? Cool? And then you

0:20:07.760 --> 0:20:09.399
<v Speaker 2>have to kind of keep calling. And it took me

0:20:10.000 --> 0:20:13.240
<v Speaker 2>maybe a couple of weeks to finally land on the therapist.

0:20:13.320 --> 0:20:15.439
<v Speaker 2>I eventually got, and it's been great. And I just

0:20:16.320 --> 0:20:18.920
<v Speaker 2>a friend of mine had a baby just a few

0:20:18.960 --> 0:20:22.920
<v Speaker 2>weeks ago, and she she had been dealing with a

0:20:22.960 --> 0:20:24.920
<v Speaker 2>lot of anxiety prior to the birth because of the

0:20:25.000 --> 0:20:28.560
<v Speaker 2>COVID situation, and that has continued to plague her just

0:20:28.640 --> 0:20:30.960
<v Speaker 2>the you know, being a new mom's already stressful enough.

0:20:31.440 --> 0:20:33.320
<v Speaker 2>And I was like, listen, I'm happy. I'll ask my

0:20:33.359 --> 0:20:36.320
<v Speaker 2>therapist if she knows anybody near you who's doing And

0:20:36.359 --> 0:20:38.440
<v Speaker 2>this is a This is a good time too, because

0:20:38.600 --> 0:20:41.960
<v Speaker 2>part of the struggle finding a good therapist is, you know,

0:20:42.000 --> 0:20:44.239
<v Speaker 2>they often want to see you in person. But with

0:20:44.400 --> 0:20:47.240
<v Speaker 2>what's going on with COVID, many more well not many more,

0:20:47.280 --> 0:20:49.919
<v Speaker 2>all of them, especially in New York where places are

0:20:49.920 --> 0:20:52.640
<v Speaker 2>shut down, you have to meet virtually, so you may

0:20:52.680 --> 0:20:55.960
<v Speaker 2>be able to, you know, see someone maybe who's not

0:20:56.440 --> 0:20:58.199
<v Speaker 2>who in the commute won't be a factor. You know.

0:21:00.200 --> 0:21:03.080
<v Speaker 2>You know you did that, you found that financial planner,

0:21:03.119 --> 0:21:04.000
<v Speaker 2>and you I.

0:21:04.080 --> 0:21:05.120
<v Speaker 3>Was just thinking about it.

0:21:05.160 --> 0:21:06.600
<v Speaker 2>I was like, that was a whole process.

0:21:07.320 --> 0:21:09.919
<v Speaker 1>What it was a two week problem. I interviewed like

0:21:10.000 --> 0:21:10.879
<v Speaker 1>thirteen people.

0:21:11.359 --> 0:21:13.120
<v Speaker 3>I like, so I'm just I was just thinking.

0:21:13.200 --> 0:21:14.440
<v Speaker 1>I was like, girl, if you could put that much

0:21:14.440 --> 0:21:17.800
<v Speaker 1>effort into finding your financial planner, and like literally I

0:21:17.840 --> 0:21:19.800
<v Speaker 1>had like a spreadsheet and I like this one and.

0:21:19.720 --> 0:21:20.760
<v Speaker 3>This this I did.

0:21:20.800 --> 0:21:22.879
<v Speaker 1>I did all this pre work of what I needed,

0:21:22.920 --> 0:21:24.760
<v Speaker 1>and I mean it was it was probably was like

0:21:24.800 --> 0:21:27.359
<v Speaker 1>a month's worth of work to find and it was

0:21:27.480 --> 0:21:29.639
<v Speaker 1>very overwhelming. But I knew that at the end I

0:21:29.720 --> 0:21:31.120
<v Speaker 1>was going to find the right person, and I did.

0:21:31.320 --> 0:21:34.040
<v Speaker 1>Angelie is amazing. And I was like, well, Tiffany, like

0:21:34.080 --> 0:21:35.399
<v Speaker 1>literally when you said that, I was like, girl, if

0:21:35.400 --> 0:21:37.840
<v Speaker 1>you can put the effort into the finding your financial planner,

0:21:37.840 --> 0:21:40.560
<v Speaker 1>you can certainly put the effort into finding the right therapist,

0:21:40.560 --> 0:21:40.840
<v Speaker 1>because I.

0:21:40.840 --> 0:21:43.000
<v Speaker 3>Think it just would just be so helpful.

0:21:43.080 --> 0:21:44.760
<v Speaker 1>My poor friends could stop hearing me talk about the

0:21:44.760 --> 0:21:46.720
<v Speaker 1>same thing, because when I'm stressed about something, I will

0:21:46.720 --> 0:21:51.880
<v Speaker 1>tell you over and over. I'm like, hey, hey, Brian, yeah,

0:21:51.960 --> 0:21:53.200
<v Speaker 1>so that thing. They're like, oh that thing and we

0:21:53.240 --> 0:21:58.520
<v Speaker 1>talked about yesterday one more again, Oh my gosh, oh

0:21:58.600 --> 0:22:00.200
<v Speaker 1>yeah no, this is honestly, but I was talking me

0:22:00.200 --> 0:22:03.000
<v Speaker 1>Manday's always like always feel like in some of the spaces,

0:22:03.040 --> 0:22:05.160
<v Speaker 1>I'm like, you have like one foot in the door

0:22:05.200 --> 0:22:07.840
<v Speaker 1>of like, yeah, I've been there, done that, working it out.

0:22:08.040 --> 0:22:10.040
<v Speaker 1>This is what I found bringing it back to Tiff.

0:22:10.359 --> 0:22:12.760
<v Speaker 1>So I would appreciate that, just Sharon, what.

0:22:12.760 --> 0:22:14.600
<v Speaker 2>I'll learned, I mean not that I'm and it's always

0:22:14.680 --> 0:22:16.720
<v Speaker 2>what I struggle with is what I'm talking to you about,

0:22:16.760 --> 0:22:20.639
<v Speaker 2>which is under giving myself grace and giving myself a

0:22:20.760 --> 0:22:24.680
<v Speaker 2>break on the path toward improvement, you know, like and

0:22:24.520 --> 0:22:27.439
<v Speaker 2>and adjusting my own expectations for what that success looks like.

0:22:27.680 --> 0:22:30.959
<v Speaker 2>So and it just it's everything I've ever tried to achieve,

0:22:31.040 --> 0:22:33.920
<v Speaker 2>Like weight loss. I've always had been up and down

0:22:33.920 --> 0:22:35.680
<v Speaker 2>with my weight and I'll be like, I'm gonna lose

0:22:35.720 --> 0:22:38.440
<v Speaker 2>forty pounds by you know, three months from now, which

0:22:38.480 --> 0:22:41.439
<v Speaker 2>is not realistic. And it's the same thing with this.

0:22:41.640 --> 0:22:45.040
<v Speaker 2>With the postpartum anxiety, it was I'm going to fix this.

0:22:45.040 --> 0:22:46.960
<v Speaker 2>This is a problem I'm going to solve now, and

0:22:47.000 --> 0:22:49.040
<v Speaker 2>I'm gonna talk to in it. And no, I mean

0:22:49.080 --> 0:22:51.560
<v Speaker 2>I had to start the work for my post part

0:22:51.600 --> 0:22:53.879
<v Speaker 2>of anxiety started back in August when I started to

0:22:53.920 --> 0:22:57.280
<v Speaker 2>see my therapist and I was like, okay, so I

0:22:57.320 --> 0:22:59.560
<v Speaker 2>have you I'm feeling anxious, so we can fix this

0:22:59.560 --> 0:23:01.600
<v Speaker 2>this week, right, And she's like, no, no, we have

0:23:01.680 --> 0:23:04.439
<v Speaker 2>to start the journey, you know. And and I had

0:23:04.520 --> 0:23:06.520
<v Speaker 2>to be patient with myself because I you know, you

0:23:06.600 --> 0:23:11.119
<v Speaker 2>want like quick results and I have to celebrate. And

0:23:11.160 --> 0:23:13.960
<v Speaker 2>I was just talking to the psychiatrist, I see because

0:23:14.000 --> 0:23:17.760
<v Speaker 2>I take a prescription medication to help, and talking to her,

0:23:18.760 --> 0:23:22.520
<v Speaker 2>she also wanted to know, like what are the small

0:23:22.640 --> 0:23:24.920
<v Speaker 2>like what are the improvements that you've seen, and by

0:23:24.960 --> 0:23:28.159
<v Speaker 2>talking through the improvement, No, I'm not perfect whatever that

0:23:28.200 --> 0:23:31.919
<v Speaker 2>idea is. I'm not one hundred percent, you know. Obviously

0:23:31.960 --> 0:23:33.639
<v Speaker 2>I never will be one hundred percent because I have

0:23:33.720 --> 0:23:35.480
<v Speaker 2>a baby now, so I'm a different kind of person.

0:23:36.520 --> 0:23:38.840
<v Speaker 2>But you know, I could measure six and I could

0:23:38.880 --> 0:23:41.760
<v Speaker 2>see by talking and through Oh, I have made, you know,

0:23:41.840 --> 0:23:45.840
<v Speaker 2>big strides and I am doing a lot better and

0:23:45.480 --> 0:23:49.479
<v Speaker 2>I should like celebrate that and not be so stressed

0:23:49.480 --> 0:23:52.160
<v Speaker 2>that I'm not like my own idea of over it

0:23:52.320 --> 0:23:55.160
<v Speaker 2>or you know better, whatever those vague words are.

0:23:56.400 --> 0:23:58.159
<v Speaker 3>That's the thing, like over it and better. You're like,

0:23:58.200 --> 0:23:58.960
<v Speaker 3>I should be better.

0:23:59.040 --> 0:24:03.119
<v Speaker 2>I should be Yeah, because the this is like the

0:24:03.160 --> 0:24:05.200
<v Speaker 2>kids are always going to stress me, like stress you out,

0:24:05.240 --> 0:24:07.080
<v Speaker 2>and work is always going to be stressful for you. You

0:24:07.119 --> 0:24:09.000
<v Speaker 2>run a business like this is going to happen again

0:24:09.040 --> 0:24:11.560
<v Speaker 2>and again, and it's about does it get a little

0:24:11.600 --> 0:24:13.720
<v Speaker 2>bit easier each time? Do you have the tools next

0:24:13.760 --> 0:24:16.840
<v Speaker 2>time so that maybe it's not five conversations, you know,

0:24:16.880 --> 0:24:21.280
<v Speaker 2>it's four instead of you know what I mean anyway,

0:24:21.680 --> 0:24:23.920
<v Speaker 2>And I think it's it's also helpful is to talk

0:24:23.960 --> 0:24:27.879
<v Speaker 2>things out. And I hope that when's the next conversation

0:24:28.200 --> 0:24:31.320
<v Speaker 2>and you already got the mediator in place, right yeah?

0:24:31.359 --> 0:24:34.200
<v Speaker 1>M hm, So I don't I don't have I don't

0:24:34.240 --> 0:24:35.840
<v Speaker 1>have a date for the next conversation yet, but it's

0:24:35.840 --> 0:24:38.640
<v Speaker 1>probably about a week. I just waiting for the mediator

0:24:38.680 --> 0:24:42.440
<v Speaker 1>to just to confirm like that that she's like, yep,

0:24:42.720 --> 0:24:44.440
<v Speaker 1>you know, we're all good to go, and then I'll

0:24:44.800 --> 0:24:47.800
<v Speaker 1>schedule a time that I'm actually looking kind of looking

0:24:47.840 --> 0:24:51.000
<v Speaker 1>forward to. But I like because I'm like, Okay, it'll

0:24:51.080 --> 0:24:54.719
<v Speaker 1>be somebody else there to help navigate the things that

0:24:54.760 --> 0:24:57.160
<v Speaker 1>I want to say, but also to somebody else will

0:24:57.200 --> 0:25:00.159
<v Speaker 1>to help me navigate hearing and listening, you know know.

0:25:01.240 --> 0:25:02.800
<v Speaker 1>So I mean, but like, I feel like there was

0:25:02.800 --> 0:25:05.199
<v Speaker 1>a little bit of movement made today with her, So

0:25:05.240 --> 0:25:07.600
<v Speaker 1>I was like, oh, okay, she is listening and she

0:25:07.680 --> 0:25:09.600
<v Speaker 1>sees that there's something And there was definitely a little

0:25:09.600 --> 0:25:12.040
<v Speaker 1>bit of givet of like, see what you're saying, don't

0:25:12.080 --> 0:25:16.840
<v Speaker 1>fully agree, but wizy, maybe there's some compromise. So there

0:25:16.880 --> 0:25:19.960
<v Speaker 1>was definitely a huh. She was definitely like there's some

0:25:19.960 --> 0:25:22.320
<v Speaker 1>compromise that we can make here. Yeah, and so like

0:25:22.400 --> 0:25:24.800
<v Speaker 1>so at least that that it wasn't like absolutely not,

0:25:24.840 --> 0:25:26.679
<v Speaker 1>which would have been like, you know, well, what do

0:25:26.760 --> 0:25:29.199
<v Speaker 1>we do now? It was like, yeah, that there's some

0:25:29.240 --> 0:25:31.520
<v Speaker 1>compromises that I can see being made here.

0:25:31.560 --> 0:25:36.639
<v Speaker 2>So yeah, growth, growth, you're on your growth, You're on

0:25:36.680 --> 0:25:37.800
<v Speaker 2>your growth ship. You know.

0:25:38.359 --> 0:25:41.600
<v Speaker 3>See that you used to curse, remember back in the day,

0:25:41.680 --> 0:25:43.720
<v Speaker 3>used to like guys that curse, and then you stopped.

0:25:45.080 --> 0:25:47.000
<v Speaker 2>I still, oh you mean on the show?

0:25:47.480 --> 0:25:49.840
<v Speaker 1>Yeah you did, remember you were like, yeah, I'm gonna be,

0:25:49.920 --> 0:25:51.520
<v Speaker 1>you know, cursing every once in a while, a little

0:25:51.520 --> 0:25:52.400
<v Speaker 1>potty mouth here and there.

0:25:52.400 --> 0:25:54.359
<v Speaker 2>But then you just was like, I don't know, if

0:25:54.400 --> 0:26:00.480
<v Speaker 2>you listen to the show, Tiffany, yes, I ask her editor, Ikay,

0:26:00.520 --> 0:26:02.040
<v Speaker 2>it's just who I am. I don't think about it,

0:26:03.320 --> 0:26:06.680
<v Speaker 2>you know. I My mom always had a potty mouth,

0:26:06.760 --> 0:26:08.879
<v Speaker 2>and it's just like whatever. I always look at that

0:26:08.920 --> 0:26:11.320
<v Speaker 2>study that said that people who curse are smarter or

0:26:11.359 --> 0:26:14.959
<v Speaker 2>like handle things better. Yes, anyway, but the day that

0:26:15.119 --> 0:26:17.439
<v Speaker 2>Rio starts mimicking what I say, that's when I'll have

0:26:17.480 --> 0:26:19.600
<v Speaker 2>to tighten it up. But I'm really just like letting

0:26:19.640 --> 0:26:21.600
<v Speaker 2>it all hang out now.

0:26:22.119 --> 0:26:24.879
<v Speaker 1>And you and you'd be surprised, because like Superman is

0:26:25.240 --> 0:26:28.119
<v Speaker 1>a cursor, like just for no reason, destonible reason. And

0:26:28.160 --> 0:26:30.080
<v Speaker 1>I remember when I first met him, and I remember

0:26:30.160 --> 0:26:31.639
<v Speaker 1>looking at his daughter at the time, she was like

0:26:31.640 --> 0:26:34.200
<v Speaker 1>five or six. She didn't curse, and I'm like, well,

0:26:34.359 --> 0:26:38.119
<v Speaker 1>how come you have potty mouth? Like you know, he's

0:26:38.200 --> 0:26:40.840
<v Speaker 1>not a cursor, like an angry cursor. It's just like

0:26:40.920 --> 0:26:43.679
<v Speaker 1>you know, like you know, like you might say, hey, Supermer,

0:26:43.720 --> 0:26:44.320
<v Speaker 1>what's up today?

0:26:44.480 --> 0:26:46.280
<v Speaker 3>You know, shit, that's just.

0:26:46.160 --> 0:26:54.840
<v Speaker 2>Seeking me, Like I'm the opposite of that. Happy curs

0:26:54.920 --> 0:26:59.960
<v Speaker 2>are interesting, so like, yeah, it's just a bullshit.

0:27:00.160 --> 0:27:00.920
<v Speaker 3>I just hanging out.

0:27:02.640 --> 0:27:06.560
<v Speaker 1>So I was actually really shocked that she, like Supergirl

0:27:06.640 --> 0:27:09.440
<v Speaker 1>did it curse. I was like, well, how come she

0:27:09.520 --> 0:27:12.040
<v Speaker 1>doesn't curse and you curse? And he was like, oh,

0:27:12.080 --> 0:27:13.919
<v Speaker 1>she knows better. I'm like yeah, but I don't how

0:27:13.960 --> 0:27:15.399
<v Speaker 1>does that work out? I don't even know how he

0:27:15.440 --> 0:27:17.359
<v Speaker 1>managed that, like to this day, at least not he.

0:27:17.440 --> 0:27:20.040
<v Speaker 1>I'm sure she's a teenager now, so I'm sure she's

0:27:20.080 --> 0:27:21.520
<v Speaker 1>potty bathing it up with her friends.

0:27:21.560 --> 0:27:23.240
<v Speaker 3>But I thought at least an adult company.

0:27:23.280 --> 0:27:25.200
<v Speaker 2>I thought God would furnish me if I curse. When

0:27:25.200 --> 0:27:26.879
<v Speaker 2>I was little. I don't know who taught me that

0:27:27.200 --> 0:27:30.520
<v Speaker 2>in the TV. I don't know. But when I found

0:27:30.520 --> 0:27:32.159
<v Speaker 2>out that I wasn't going to get smited or hit

0:27:32.200 --> 0:27:35.080
<v Speaker 2>with the delighting bolt, it just all it all happened.

0:27:35.160 --> 0:27:40.200
<v Speaker 3>That was smite, smite, smite, Hey, real quick.

0:27:40.000 --> 0:27:43.080
<v Speaker 2>I wanted to cut you up on my dad's situation

0:27:43.119 --> 0:27:44.879
<v Speaker 2>because I know I talked about him losing his job

0:27:45.359 --> 0:27:49.159
<v Speaker 2>and he lives in Georgia and he we had been

0:27:49.280 --> 0:27:51.000
<v Speaker 2>my brother and I kind of tagged taming to figure

0:27:51.000 --> 0:27:53.520
<v Speaker 2>out his unemployment benefits. And for a lot of people

0:27:53.520 --> 0:27:55.760
<v Speaker 2>in different states, like my dad, like it's taken weeks

0:27:55.760 --> 0:27:58.479
<v Speaker 2>for him to get his first unemployment check. He finally

0:27:58.480 --> 0:28:00.480
<v Speaker 2>got it, and then he had to wait in additional

0:28:00.520 --> 0:28:03.240
<v Speaker 2>couple of weeks to get that extra six hundred dollars

0:28:03.720 --> 0:28:07.520
<v Speaker 2>stimulus like unemployment check, and I just wanted to let

0:28:07.560 --> 0:28:09.439
<v Speaker 2>people know, like if you've been waiting on it, I

0:28:09.480 --> 0:28:11.720
<v Speaker 2>would say. One thing that helped is that we went

0:28:11.760 --> 0:28:14.920
<v Speaker 2>to the Department of Labor's Facebook page, and honestly, there

0:28:14.960 --> 0:28:17.960
<v Speaker 2>was more feed there's more information from their social media

0:28:18.000 --> 0:28:20.000
<v Speaker 2>team on their Facebook page than there was on the

0:28:20.040 --> 0:28:24.280
<v Speaker 2>actual website or trying to call, and it was one

0:28:24.320 --> 0:28:26.320
<v Speaker 2>of those things where you do you think you're doing

0:28:26.400 --> 0:28:28.360
<v Speaker 2>all the things, and you're calling and you're like stressing.

0:28:28.359 --> 0:28:29.919
<v Speaker 2>And my brother and I were talking about it and

0:28:29.960 --> 0:28:32.920
<v Speaker 2>like I would be on social trying to like piece

0:28:33.000 --> 0:28:36.119
<v Speaker 2>together an explanation from different comments that the social media

0:28:36.160 --> 0:28:38.040
<v Speaker 2>person had left and then all of a sudden, it

0:28:38.080 --> 0:28:40.080
<v Speaker 2>just showed up in his bank account one day. And

0:28:40.120 --> 0:28:42.320
<v Speaker 2>I'm like, it probably would have showed up without us

0:28:42.360 --> 0:28:45.120
<v Speaker 2>stressing about it. But of course you want to think

0:28:45.160 --> 0:28:48.760
<v Speaker 2>you can control things. But it's good finally that he's

0:28:48.760 --> 0:28:52.840
<v Speaker 2>getting his unemployment benefits and his job he works for.

0:28:52.960 --> 0:28:56.760
<v Speaker 2>The transit authority in Atlanta has asked him to come back,

0:28:56.800 --> 0:29:00.880
<v Speaker 2>but like at limited hours, and he's decided not to

0:29:00.920 --> 0:29:04.160
<v Speaker 2>do it because they're not like it just would still

0:29:04.160 --> 0:29:07.000
<v Speaker 2>be unsafe. He's getting passages on a bus, you know,

0:29:07.440 --> 0:29:10.600
<v Speaker 2>it just isn't and he's got existing pre existing conditions

0:29:10.640 --> 0:29:14.200
<v Speaker 2>and and all that. But just wanted to acknowledge that

0:29:14.240 --> 0:29:17.360
<v Speaker 2>there's still people out there who's struggling. And you know,

0:29:17.480 --> 0:29:19.880
<v Speaker 2>if you haven't gotten your benefits or you have questions,

0:29:20.120 --> 0:29:22.320
<v Speaker 2>you know, you always can send us a note at

0:29:22.320 --> 0:29:24.960
<v Speaker 2>Brand Ambition Podcast at gmail dot com and maybe we

0:29:25.000 --> 0:29:28.520
<v Speaker 2>can help point you to some resources, if anything in

0:29:28.560 --> 0:29:31.800
<v Speaker 2>your state. But let us know if you're if you're struggling,

0:29:31.880 --> 0:29:35.080
<v Speaker 2>or if you need anything. I'd love to hear how

0:29:35.120 --> 0:29:37.719
<v Speaker 2>you guys are coping with you know, everything that's going on.

0:29:38.160 --> 0:29:40.680
<v Speaker 3>Yeah, that would be great because my dad called me yesterday.

0:29:40.680 --> 0:29:43.360
<v Speaker 3>He's I have still I have not gotten my money.

0:29:43.760 --> 0:29:45.560
<v Speaker 2>Oh is he waiting on the what's he waiting on

0:29:45.600 --> 0:29:48.800
<v Speaker 2>the stimulus? Wait? The stimulus? So the one time like

0:29:49.040 --> 0:29:53.040
<v Speaker 2>payment twelve Okay, yeah, my dad, No, I forget if

0:29:53.040 --> 0:29:55.640
<v Speaker 2>you got that or not. So yeah, he What happened

0:29:55.720 --> 0:29:59.720
<v Speaker 2>was unemployment benefits. They so you got you're eligible for,

0:30:00.160 --> 0:30:01.920
<v Speaker 2>like if you lost your job, you'd be eligible for

0:30:02.040 --> 0:30:05.400
<v Speaker 2>unemployment benefits. On top of that, they added an additional

0:30:05.440 --> 0:30:08.720
<v Speaker 2>six hundred dollars through the end of July for workers

0:30:08.760 --> 0:30:11.800
<v Speaker 2>out of work. That's what the Cares Act provided. And

0:30:11.840 --> 0:30:14.720
<v Speaker 2>then separate from that, there is a twelve hundred dollar

0:30:15.240 --> 0:30:17.920
<v Speaker 2>stimulus check that you got based on your income, which

0:30:17.960 --> 0:30:21.480
<v Speaker 2>is like a separate thing. Yeah, and it's left to

0:30:21.520 --> 0:30:23.360
<v Speaker 2>be it's left to be determined if they're going to

0:30:23.400 --> 0:30:27.600
<v Speaker 2>be extending this or doing it again. I mean yeah.

0:30:27.640 --> 0:30:30.280
<v Speaker 2>A girlfriend of mine texted me today to let me

0:30:30.320 --> 0:30:33.280
<v Speaker 2>know that her job said they will not be reopening

0:30:33.360 --> 0:30:36.000
<v Speaker 2>until September, the day after Labor Day or the week

0:30:36.040 --> 0:30:39.000
<v Speaker 2>after Labor Day at the earliest. And she works in

0:30:39.000 --> 0:30:43.080
<v Speaker 2>New York City. Yeah, so I'll just feeling summer Summer

0:30:43.120 --> 0:30:46.000
<v Speaker 2>twenty twenty is just like canceled, what just gone?

0:30:46.080 --> 0:30:48.120
<v Speaker 1>You know? The kids like so Governor Murphy, the governor

0:30:48.160 --> 0:30:51.600
<v Speaker 1>of my state, just posted on ig either yesterday or

0:30:51.640 --> 0:30:54.600
<v Speaker 1>today just saying, hey, so school's closed.

0:30:54.200 --> 0:30:57.120
<v Speaker 3>For the rest of the school year. So these babies

0:30:57.120 --> 0:30:57.720
<v Speaker 3>ain't go mac.

0:30:57.920 --> 0:31:01.280
<v Speaker 2>I'm like, okay, journey right, yeah.

0:31:00.760 --> 0:31:02.480
<v Speaker 1>Yeah, I don't know what to do. Like Supergirl, I

0:31:02.480 --> 0:31:03.560
<v Speaker 1>guess we'll get her some tutor.

0:31:03.600 --> 0:31:05.800
<v Speaker 2>I mean she's been Does that mean no more virtually

0:31:05.800 --> 0:31:08.000
<v Speaker 2>they're still doing E learning right or does that mean

0:31:08.040 --> 0:31:11.720
<v Speaker 2>like that stuff? Okay, okay, so that's not going back exactly,

0:31:12.120 --> 0:31:12.959
<v Speaker 2>but still it's so light.

0:31:13.080 --> 0:31:15.040
<v Speaker 1>So the way it works, at least for a Supergirl

0:31:15.040 --> 0:31:17.280
<v Speaker 1>in her school is that every morning at eight am

0:31:17.440 --> 0:31:19.640
<v Speaker 1>she gets class work schoolwork, and she has to be

0:31:19.640 --> 0:31:23.080
<v Speaker 1>completed by eight pm. But then at three at two

0:31:23.120 --> 0:31:25.160
<v Speaker 1>forty five to like three forty five or like an

0:31:25.240 --> 0:31:27.160
<v Speaker 1>hour to two hours, she has to log in the

0:31:27.240 --> 0:31:30.680
<v Speaker 1>zoom for a lesson. But I'm like, you usually are

0:31:30.680 --> 0:31:33.240
<v Speaker 1>in school all day, so how are you getting all

0:31:33.240 --> 0:31:36.120
<v Speaker 1>that you need with like this like one or two

0:31:36.200 --> 0:31:39.520
<v Speaker 1>hours worth of visual lesson? And then you know, like

0:31:39.800 --> 0:31:41.200
<v Speaker 1>just like here's some work to do.

0:31:41.280 --> 0:31:42.360
<v Speaker 3>I don't know so.

0:31:42.440 --> 0:31:44.200
<v Speaker 1>And meanwhile, she's going to ninth grade. So that's the

0:31:44.200 --> 0:31:46.480
<v Speaker 1>big worry because she's headed to high school. So it's like,

0:31:47.120 --> 0:31:49.120
<v Speaker 1>is she going to be ready? I mean we're fortunate

0:31:49.160 --> 0:31:51.320
<v Speaker 1>in that, you know, obviously we can pay for tutor

0:31:51.360 --> 0:31:53.680
<v Speaker 1>and things to make sure she's good. Because here at

0:31:53.680 --> 0:31:55.720
<v Speaker 1>New York, you have to place into the high school

0:31:55.760 --> 0:31:57.120
<v Speaker 1>that you want. You have to take a test, and

0:31:57.120 --> 0:31:59.000
<v Speaker 1>she got into a really good high school, so you know,

0:31:59.080 --> 0:32:01.720
<v Speaker 1>you we want to and it's very competitive and it's

0:32:01.720 --> 0:32:03.840
<v Speaker 1>not going to be easy, although she's been a good student,

0:32:03.880 --> 0:32:07.480
<v Speaker 1>but still for that, you know, second, for the last

0:32:07.520 --> 0:32:09.479
<v Speaker 1>quarter of your eighth grade year not to have like this,

0:32:09.600 --> 0:32:12.520
<v Speaker 1>like traditional instruction, and then we'll see what happens in

0:32:12.560 --> 0:32:14.920
<v Speaker 1>September to go to school, to high school at that

0:32:15.560 --> 0:32:18.120
<v Speaker 1>So there's some worry there. I think about other parents

0:32:18.160 --> 0:32:19.719
<v Speaker 1>who might not be able to afford tutoring.

0:32:19.720 --> 0:32:20.320
<v Speaker 3>What do they do?

0:32:20.440 --> 0:32:22.760
<v Speaker 2>You know, well, at least there's comfort in knowing that

0:32:22.800 --> 0:32:26.160
<v Speaker 2>your kid's not the only kid who's behind, like and

0:32:26.360 --> 0:32:29.840
<v Speaker 2>you hope that. And our cousin is a high school

0:32:29.840 --> 0:32:33.280
<v Speaker 2>principal in Manhattan, and she's talked about they are having

0:32:33.320 --> 0:32:37.960
<v Speaker 2>conversations around do you, especially with younger kids, like do

0:32:38.080 --> 0:32:40.040
<v Speaker 2>you hold them back a little bit so that they

0:32:40.040 --> 0:32:42.480
<v Speaker 2>don't they're not so far behind, or do you plan

0:32:42.800 --> 0:32:44.400
<v Speaker 2>to catch up on stuff at the beginning of the

0:32:44.480 --> 0:32:46.840
<v Speaker 2>year to acknowledge like what they might have missed at

0:32:46.840 --> 0:32:49.280
<v Speaker 2>the end of the year. And I hope that, you know,

0:32:49.320 --> 0:32:52.200
<v Speaker 2>the hope the school systems will figure out a way

0:32:52.280 --> 0:32:56.200
<v Speaker 2>to not make it so that kids like Supergirl come

0:32:56.200 --> 0:32:58.720
<v Speaker 2>into school feeling they're so far behind, Like they can

0:32:58.760 --> 0:33:00.720
<v Speaker 2>adjust the course a little bit so that they can

0:33:00.760 --> 0:33:04.200
<v Speaker 2>catch up if you know they need to at all. Man, Yeah,

0:33:04.240 --> 0:33:06.560
<v Speaker 2>it's it's it's hard enough with the baby, but like

0:33:06.600 --> 0:33:09.120
<v Speaker 2>having kids in school. Bless bless all of you guys

0:33:09.480 --> 0:33:11.960
<v Speaker 2>with the with the children who can ask questions and

0:33:12.080 --> 0:33:16.760
<v Speaker 2>needs to be I know, wet's just speaking of questions.

0:33:16.760 --> 0:33:18.400
<v Speaker 2>Should we take a quick break and then come back

0:33:18.440 --> 0:33:20.000
<v Speaker 2>and see what we got going on?

0:33:20.240 --> 0:33:21.640
<v Speaker 3>We sure sued.

0:33:21.480 --> 0:33:56.520
<v Speaker 2>Alrighty okay, y'all, thank you so much for sending in

0:33:56.520 --> 0:33:59.040
<v Speaker 2>your questions, not only your questions, but your fun. Little

0:34:00.080 --> 0:34:02.880
<v Speaker 2>someone I forget her name. She she sent us a

0:34:02.920 --> 0:34:05.360
<v Speaker 2>message on Insta saying, remember last week I told you

0:34:05.400 --> 0:34:07.680
<v Speaker 2>we were talking about guilty pleasures and I mentioned the

0:34:07.720 --> 0:34:09.960
<v Speaker 2>show that I'm watching on Netflix. I'm testing you, tif

0:34:10.040 --> 0:34:10.960
<v Speaker 2>do you remember what it is?

0:34:13.360 --> 0:34:14.520
<v Speaker 3>You know, I have the memory of an eight year

0:34:14.560 --> 0:34:15.680
<v Speaker 3>old girl. I don't remember.

0:34:15.760 --> 0:34:18.800
<v Speaker 2>It's real weird Casketeers on that price.

0:34:19.640 --> 0:34:23.279
<v Speaker 1>If I'm at another country where it's like this Polynesian.

0:34:23.520 --> 0:34:26.319
<v Speaker 2>Yes, oh girl, I thought you. I felt you digging

0:34:26.480 --> 0:34:29.680
<v Speaker 2>and you struggled. Yeah, so it's a it's a it's

0:34:29.719 --> 0:34:32.080
<v Speaker 2>a fabulous show on Netflix about a family who runs

0:34:32.080 --> 0:34:35.719
<v Speaker 2>a funeral home in New Zealand or Polynesian anyway. One

0:34:35.800 --> 0:34:38.080
<v Speaker 2>of our listeners was like, I squealed when you mentioned

0:34:38.120 --> 0:34:40.480
<v Speaker 2>the Casketeers. I love that show and I'm just so

0:34:40.560 --> 0:34:42.960
<v Speaker 2>glad that there's another weirdo out there who listens to

0:34:43.000 --> 0:34:45.200
<v Speaker 2>our show. So thank you to you whose name I

0:34:45.520 --> 0:34:50.000
<v Speaker 2>don't remember. And again people have been commenting. I've been

0:34:50.040 --> 0:34:52.359
<v Speaker 2>I've been posting more than usual, just like day to day.

0:34:53.080 --> 0:34:57.200
<v Speaker 2>I'm trying to like document life in quarantine, parenting and quarantine.

0:34:57.239 --> 0:35:00.160
<v Speaker 2>I just part of me just doesn't want to forget. Well,

0:35:00.280 --> 0:35:04.560
<v Speaker 2>it's almost like I'm living I'm imagining, like telling grandchildren

0:35:04.719 --> 0:35:07.520
<v Speaker 2>or like wanting to remember this time in our history.

0:35:07.600 --> 0:35:10.960
<v Speaker 2>And so I'm trying to document more of it, and

0:35:11.080 --> 0:35:14.960
<v Speaker 2>people have Brown Ambition listeners who usually just message us

0:35:15.000 --> 0:35:17.680
<v Speaker 2>on our BA account have found my personal one and

0:35:17.719 --> 0:35:21.480
<v Speaker 2>have been. I really have been. It's been helping me

0:35:21.640 --> 0:35:25.000
<v Speaker 2>to hear from y'all when I post like my parenting

0:35:25.080 --> 0:35:28.759
<v Speaker 2>foibles or you know, the working from home with the

0:35:28.800 --> 0:35:31.480
<v Speaker 2>baby stuff, and it helps me to know that you

0:35:31.520 --> 0:35:34.239
<v Speaker 2>guys are out there and that that you're liking when

0:35:34.280 --> 0:35:36.560
<v Speaker 2>I share that stuff. I'm I'm happy to make a

0:35:36.560 --> 0:35:37.400
<v Speaker 2>fool of myself.

0:35:39.480 --> 0:35:41.800
<v Speaker 1>I love how Rio just be looking at the camera,

0:35:41.960 --> 0:35:47.480
<v Speaker 1>like what, he's so adorable with that hair, it's a.

0:35:47.440 --> 0:35:49.200
<v Speaker 3>Little yeah, these cheeks.

0:35:49.200 --> 0:35:51.120
<v Speaker 1>I'm like, oh, God, knew exactly way, who's doing making

0:35:51.160 --> 0:35:51.759
<v Speaker 1>baby so cute?

0:35:51.760 --> 0:35:52.440
<v Speaker 3>Because you're like, you.

0:35:52.400 --> 0:35:56.359
<v Speaker 2>Know what if it wasn't so cute, God help an

0:35:56.440 --> 0:35:59.280
<v Speaker 2>ugly baby, because like I'm just kidding. I'm just kidding.

0:35:59.560 --> 0:36:03.439
<v Speaker 2>We don't know. Listen, we're Enrique has this coffee cup

0:36:03.560 --> 0:36:06.359
<v Speaker 2>with Rio's baby his newborn picture on it, and I'm

0:36:06.360 --> 0:36:09.760
<v Speaker 2>looking at like he was a lot cuter in my memory.

0:36:10.080 --> 0:36:16.200
<v Speaker 2>Like love is blind. But let me pop into these

0:36:16.280 --> 0:36:18.600
<v Speaker 2>questions real quick again. Y'all can hit us up on

0:36:18.719 --> 0:36:22.200
<v Speaker 2>the gram where Broad Ambition Podcast on Instagram. You can

0:36:22.239 --> 0:36:24.640
<v Speaker 2>also find us if you just want to email us directly.

0:36:24.640 --> 0:36:29.960
<v Speaker 2>It's brund Ambition Podcast at gmail dot com. Our first

0:36:30.040 --> 0:36:33.600
<v Speaker 2>question I've lost to Google doc come to me. Our

0:36:33.680 --> 0:36:36.279
<v Speaker 2>first question comes from listener who just wants to be

0:36:36.280 --> 0:36:38.680
<v Speaker 2>referred to as D. She says, I'm a huge fan

0:36:38.719 --> 0:36:41.600
<v Speaker 2>of the show. I listen while working every week. I'm wondering,

0:36:41.840 --> 0:36:44.400
<v Speaker 2>since federal student loan payments have been waived until the

0:36:44.480 --> 0:36:48.239
<v Speaker 2>end of September thanks to Congress the Stimulus Package the

0:36:48.239 --> 0:36:50.799
<v Speaker 2>Cares Act, what do you guys think I should do

0:36:50.840 --> 0:36:53.120
<v Speaker 2>with the money that would normally go toward my student

0:36:53.160 --> 0:36:56.000
<v Speaker 2>loan each month. Right now, my student loan balance is

0:36:56.040 --> 0:37:00.680
<v Speaker 2>twenty seven thousand. Fortunately I'm still employed full time. Right now,

0:37:00.719 --> 0:37:03.360
<v Speaker 2>I'm using half of my stimulus funds. So she's gotten

0:37:03.360 --> 0:37:05.560
<v Speaker 2>that twelve hundred dollars check we talked about to pay

0:37:05.560 --> 0:37:07.960
<v Speaker 2>off credit card debt. I have a car note and

0:37:08.000 --> 0:37:11.160
<v Speaker 2>a personal loan and about two thousand dollars saved in

0:37:11.239 --> 0:37:15.359
<v Speaker 2>an emergency fund. Issue is she doesn't tell us how

0:37:15.520 --> 0:37:17.920
<v Speaker 2>much she's saving with her student loan payment, but like

0:37:18.920 --> 0:37:21.239
<v Speaker 2>for her own purposes, licious to imagine it's a few

0:37:21.360 --> 0:37:23.840
<v Speaker 2>hundred dollars. If her you know, for her balance is

0:37:23.840 --> 0:37:25.759
<v Speaker 2>twenty seven thousand dollars, I can imagine it's a few

0:37:25.800 --> 0:37:29.320
<v Speaker 2>hundred dollars a month that she's wondering what should she

0:37:29.400 --> 0:37:29.839
<v Speaker 2>do with it?

0:37:31.160 --> 0:37:35.359
<v Speaker 1>Any thoughts here, Yes, only because I suspect that her

0:37:35.400 --> 0:37:36.359
<v Speaker 1>life does she say where she.

0:37:36.320 --> 0:37:39.080
<v Speaker 2>Lives, She does not disclose her location.

0:37:39.200 --> 0:37:41.759
<v Speaker 1>Nope, So I suspect that her life costs her more

0:37:41.760 --> 0:37:43.440
<v Speaker 1>than two thousand dollars a month, because that's how much

0:37:43.440 --> 0:37:46.399
<v Speaker 1>she has in savings, right her emergency saves. Yes, So

0:37:46.840 --> 0:37:49.920
<v Speaker 1>my concern is during times like this, I really I mean,

0:37:49.920 --> 0:37:52.400
<v Speaker 1>I cannot preach this enough to be having a strong

0:37:52.480 --> 0:37:54.720
<v Speaker 1>cast position saving savings savings.

0:37:54.760 --> 0:37:57.160
<v Speaker 3>Normally, you know, me and Landy are like no debt,

0:37:57.280 --> 0:37:57.839
<v Speaker 3>no way away.

0:37:58.239 --> 0:38:01.960
<v Speaker 1>But during times that look like what's shaping up to

0:38:01.960 --> 0:38:04.640
<v Speaker 1>be a recession, I really want you to have enough savings.

0:38:04.800 --> 0:38:09.080
<v Speaker 1>Although I'm glad that your job is still intact, there's

0:38:09.160 --> 0:38:14.560
<v Speaker 1>no no job is guaranteed. One sickness can happen to

0:38:15.120 --> 0:38:17.160
<v Speaker 1>anything can happen during times like these, So I would

0:38:17.239 --> 0:38:20.239
<v Speaker 1>much rather if it was me, even though I would

0:38:20.320 --> 0:38:22.400
<v Speaker 1>normally say, well, girl, put it toward your student loan debt.

0:38:22.440 --> 0:38:24.439
<v Speaker 1>Because right now it's going to go total totally toward

0:38:24.480 --> 0:38:26.560
<v Speaker 1>the principle. But now I'm like, no, put it in

0:38:26.600 --> 0:38:28.800
<v Speaker 1>an online only savings account and going to Magnify money,

0:38:29.160 --> 0:38:31.600
<v Speaker 1>find one that gives the highest interest rate and has

0:38:31.600 --> 0:38:34.040
<v Speaker 1>an A rating. And that's what I would say. I

0:38:34.040 --> 0:38:36.000
<v Speaker 1>would put my money there, because I want you to have,

0:38:36.480 --> 0:38:39.920
<v Speaker 1>you know, at least a few months of expenses of

0:38:40.000 --> 0:38:43.880
<v Speaker 1>your most essential expenses saved, just to be on the

0:38:43.920 --> 0:38:46.440
<v Speaker 1>safe side in case something should happen down the line

0:38:46.560 --> 0:38:49.720
<v Speaker 1>while we're still in these like down economic times.

0:38:49.840 --> 0:38:52.160
<v Speaker 2>Yeah, and she mentions, well, she mentions a couple of

0:38:52.160 --> 0:38:54.320
<v Speaker 2>other loans that she has. She has a personal loan

0:38:54.880 --> 0:38:58.720
<v Speaker 2>and a car note. So I mean, I agree with Tiffany,

0:38:58.800 --> 0:39:02.439
<v Speaker 2>like I would beef up that emergence fund. But if

0:39:02.520 --> 0:39:04.960
<v Speaker 2>you're you know, if your car note and your personal loan,

0:39:05.000 --> 0:39:06.600
<v Speaker 2>if you could maybe put a little bit of that

0:39:06.719 --> 0:39:09.800
<v Speaker 2>extra money towards those debts to pay them off, especially

0:39:09.800 --> 0:39:11.920
<v Speaker 2>that personal loan, you know, that could be a good

0:39:12.000 --> 0:39:14.040
<v Speaker 2>use of the money. But and at the same time,

0:39:14.080 --> 0:39:16.400
<v Speaker 2>maybe put part of it away for your savings to

0:39:16.760 --> 0:39:18.400
<v Speaker 2>beef it up. You know, it doesn't have to be

0:39:18.440 --> 0:39:19.240
<v Speaker 2>all or nothing.

0:39:19.960 --> 0:39:21.000
<v Speaker 3>Mm hm. No, it doesn't.

0:39:21.160 --> 0:39:23.399
<v Speaker 2>Yeah, but that's that's and I'm glad it's like, that's

0:39:23.400 --> 0:39:26.439
<v Speaker 2>the point of them making it so that you don't

0:39:26.440 --> 0:39:28.520
<v Speaker 2>have to make your federal student loan payments for the

0:39:28.520 --> 0:39:31.120
<v Speaker 2>next How many months is it till September seventy five

0:39:31.239 --> 0:39:34.520
<v Speaker 2>or four? I can't think, it seems like forever away.

0:39:35.400 --> 0:39:37.839
<v Speaker 2>It's to give you guys some extra wiggle room. And yeah,

0:39:37.960 --> 0:39:40.960
<v Speaker 2>to be saving it and using it to pay down

0:39:41.000 --> 0:39:43.440
<v Speaker 2>debt is exactly you know, the right way of going

0:39:43.440 --> 0:39:47.000
<v Speaker 2>about it. Yeah, all right, d thank you for your question.

0:39:47.480 --> 0:39:50.600
<v Speaker 2>Let's take we have like some one syllable questions today.

0:39:50.640 --> 0:39:52.239
<v Speaker 2>This one comes from listener who wants to go by

0:39:52.239 --> 0:39:55.400
<v Speaker 2>the low Low says, I love the show. I have

0:39:55.560 --> 0:39:58.719
<v Speaker 2>reached my emergency savings goal of twenty thousand dollars recently,

0:39:58.800 --> 0:40:01.319
<v Speaker 2>and I decided I don't want to invest more than

0:40:01.320 --> 0:40:03.520
<v Speaker 2>I already am into my four oh one K during

0:40:03.560 --> 0:40:07.680
<v Speaker 2>these turbulent times, so I started looking into money market accounts.

0:40:07.880 --> 0:40:09.520
<v Speaker 2>Could you tell me what are some of the pros

0:40:09.560 --> 0:40:12.200
<v Speaker 2>and cons of putting your money in a money market account?

0:40:12.239 --> 0:40:15.240
<v Speaker 2>Thank you, low oh low oh?

0:40:15.320 --> 0:40:18.200
<v Speaker 3>I know no, lo lo lo, what lo lo?

0:40:18.640 --> 0:40:20.279
<v Speaker 1>Your money's gonna stay on the lo loo if you

0:40:20.280 --> 0:40:21.200
<v Speaker 1>don't invest out.

0:40:21.600 --> 0:40:23.960
<v Speaker 2>Yeah, well, money markets are like, first of all, there's

0:40:23.960 --> 0:40:27.719
<v Speaker 2>nothing special about money market accounts. They're basically a savings

0:40:27.719 --> 0:40:30.440
<v Speaker 2>account that you have check writing abilities, and it's not

0:40:30.920 --> 0:40:32.839
<v Speaker 2>and maybe you get a bit card, but then why

0:40:32.840 --> 0:40:35.080
<v Speaker 2>not just get a checking account. And I mean I

0:40:35.120 --> 0:40:37.520
<v Speaker 2>haven't checked their rates recently, but they're really not great.

0:40:37.920 --> 0:40:39.759
<v Speaker 2>Either they're worse than or they're just as good as

0:40:39.760 --> 0:40:42.680
<v Speaker 2>a regular ass savings account. So there's really not a

0:40:42.800 --> 0:40:46.000
<v Speaker 2>there's not a benefit to a money market account. And

0:40:46.600 --> 0:40:48.640
<v Speaker 2>when it comes to not wanting to invest, so let's

0:40:48.680 --> 0:40:52.080
<v Speaker 2>unpack that. So you've reached your emergency savings goal of

0:40:52.080 --> 0:40:55.440
<v Speaker 2>twenty K. That's fabulous and I mean that sounds significant,

0:40:55.440 --> 0:40:57.799
<v Speaker 2>that sounds great, and now you're looking at okay, so

0:40:57.840 --> 0:40:59.880
<v Speaker 2>the market is down. I have a four oh one K.

0:41:00.360 --> 0:41:02.160
<v Speaker 2>Should I be putting extra money that I would have

0:41:02.200 --> 0:41:04.480
<v Speaker 2>been putting in my emergency savings into the market or

0:41:04.480 --> 0:41:08.319
<v Speaker 2>should I be more conservative and put it into a

0:41:08.360 --> 0:41:11.759
<v Speaker 2>deposit account such as a money market fund. I know

0:41:11.840 --> 0:41:15.640
<v Speaker 2>it seems counterintuitive, but I and we talked about this before,

0:41:15.880 --> 0:41:19.080
<v Speaker 2>and again we're not investing experts. We just share, you know,

0:41:19.120 --> 0:41:22.000
<v Speaker 2>the knowledge that we have from our own experience. I

0:41:22.040 --> 0:41:24.319
<v Speaker 2>try and think of this time as like a clearance sale,

0:41:24.960 --> 0:41:28.760
<v Speaker 2>and I try and think of a clearance sale on stocks.

0:41:29.040 --> 0:41:32.960
<v Speaker 2>So stocks are largely down, although they have if you

0:41:33.000 --> 0:41:34.960
<v Speaker 2>look at your four one k like I did recently,

0:41:35.440 --> 0:41:38.040
<v Speaker 2>my four one k is not almost back to where

0:41:38.080 --> 0:41:40.000
<v Speaker 2>it was, but it's on the way back. It's pretty

0:41:40.120 --> 0:41:42.040
<v Speaker 2>it's definitely one of its way back. It's only been

0:41:42.040 --> 0:41:44.759
<v Speaker 2>a few months. I try and think, now is the

0:41:44.800 --> 0:41:47.400
<v Speaker 2>time when you want to be investing. If you are

0:41:47.440 --> 0:41:50.600
<v Speaker 2>hopeful about the future, if you have a long time horizon,

0:41:51.080 --> 0:41:53.720
<v Speaker 2>if you're especially like if you're someone in your thirties

0:41:53.800 --> 0:41:56.160
<v Speaker 2>or forties right now or younger, you certainly have a

0:41:56.160 --> 0:41:59.239
<v Speaker 2>few several decades ahead of you to whether not just

0:41:59.280 --> 0:42:02.800
<v Speaker 2>this economic crisis, but maybe a couple more. And I

0:42:02.840 --> 0:42:06.279
<v Speaker 2>personally increased my four to one K contribution and it

0:42:06.880 --> 0:42:09.160
<v Speaker 2>did feel a little counterintuitive, but it really makes sense

0:42:09.200 --> 0:42:11.759
<v Speaker 2>because the money that you invest now, you'll be able

0:42:11.800 --> 0:42:14.560
<v Speaker 2>to get more for it than you would have normally,

0:42:14.680 --> 0:42:17.880
<v Speaker 2>and then when the market does bounce back, those investments

0:42:17.920 --> 0:42:20.440
<v Speaker 2>will grow and you should be better off in the

0:42:20.560 --> 0:42:22.120
<v Speaker 2>end than if you didn't invest anything.

0:42:22.840 --> 0:42:23.520
<v Speaker 3>That's the hope.

0:42:23.920 --> 0:42:28.280
<v Speaker 2>Of course, nothing certain, but as a recession maybe myself,

0:42:28.760 --> 0:42:31.520
<v Speaker 2>I who started to save before and one K right

0:42:31.560 --> 0:42:34.359
<v Speaker 2>after the recession hit. I'm so grateful that I did,

0:42:34.880 --> 0:42:38.359
<v Speaker 2>and I think we will. You just have to look

0:42:38.400 --> 0:42:39.920
<v Speaker 2>at what history has shown us, which is that the

0:42:39.960 --> 0:42:43.920
<v Speaker 2>market will recover. This is also a very different recession.

0:42:44.320 --> 0:42:48.600
<v Speaker 2>This is a self inflicted recession. We will reopen the economy.

0:42:48.640 --> 0:42:51.319
<v Speaker 2>It may take a while, but already the market has

0:42:51.320 --> 0:42:56.080
<v Speaker 2>started to go up. And I think I definitely maybe

0:42:56.080 --> 0:42:58.160
<v Speaker 2>put it in an online Savan's account if you really

0:42:58.200 --> 0:43:00.920
<v Speaker 2>just want some security or a CV. We've talked about before,

0:43:00.960 --> 0:43:02.719
<v Speaker 2>but there's no point in a money market. I'm in

0:43:02.719 --> 0:43:06.200
<v Speaker 2>my opinion, yeah right, Like, well I want and this

0:43:06.280 --> 0:43:07.799
<v Speaker 2>is low right, so low.

0:43:08.120 --> 0:43:10.319
<v Speaker 1>So here I get it because I'm totally you where

0:43:10.320 --> 0:43:13.799
<v Speaker 1>I'm like, investing scary, scary, But to Mandy's point, if

0:43:13.840 --> 0:43:15.440
<v Speaker 1>you've got ten or more years and you should look

0:43:15.440 --> 0:43:19.200
<v Speaker 1>at investing as a long term activity. So there's something

0:43:19.239 --> 0:43:22.280
<v Speaker 1>called dollar cost averaging. So this is what I suggest,

0:43:22.400 --> 0:43:25.439
<v Speaker 1>is what I'm leaning into. So dollar cost averaging is when,

0:43:26.200 --> 0:43:28.759
<v Speaker 1>if you're an investor, you have money to invest, you

0:43:28.840 --> 0:43:31.200
<v Speaker 1>divide up. Let's just say you have, you know, a

0:43:31.280 --> 0:43:34.160
<v Speaker 1>thousand dollars that you don't put a thousand dollars into

0:43:34.200 --> 0:43:37.239
<v Speaker 1>the market today. Then instead you say, huh, you know what,

0:43:37.280 --> 0:43:39.960
<v Speaker 1>I'm going to divide one thousand dollars times ten months,

0:43:40.120 --> 0:43:42.239
<v Speaker 1>and I'm going to put one hundred dollars into the

0:43:42.280 --> 0:43:46.080
<v Speaker 1>market the first of every month, and as the market

0:43:46.120 --> 0:43:48.040
<v Speaker 1>goes up and down and up and down. Into the

0:43:48.080 --> 0:43:50.400
<v Speaker 1>market could mean your retirement account. It could mean opening

0:43:50.520 --> 0:43:53.080
<v Speaker 1>up a target date fund or a mutual fund, or

0:43:53.120 --> 0:43:54.200
<v Speaker 1>investing in indexes.

0:43:54.480 --> 0:43:56.319
<v Speaker 3>But if you do that, if you.

0:43:56.600 --> 0:44:01.120
<v Speaker 1>If you consistantly put money away for an investing, this

0:44:01.160 --> 0:44:04.279
<v Speaker 1>is dollars cost averaging. It means that there'll be some

0:44:04.400 --> 0:44:07.160
<v Speaker 1>days that you put money in and your money goes down,

0:44:07.239 --> 0:44:09.000
<v Speaker 1>and there'll be some days you put money in and

0:44:09.000 --> 0:44:12.520
<v Speaker 1>your money goes up, and the ups and downs will

0:44:12.600 --> 0:44:17.279
<v Speaker 1>average out to a basic return. So that's what I

0:44:17.320 --> 0:44:20.360
<v Speaker 1>would lean into that. If you like, I'm assuming that

0:44:20.400 --> 0:44:23.399
<v Speaker 1>if you're putting money, if you reach your twenty thousand dollars,

0:44:24.200 --> 0:44:25.960
<v Speaker 1>that you didn't reach the twenty thousand dollars and one

0:44:26.000 --> 0:44:28.879
<v Speaker 1>lump sum that let's just say you were saving five

0:44:28.960 --> 0:44:31.080
<v Speaker 1>hundred bucks a month, you know, and you're like, okay,

0:44:31.080 --> 0:44:34.839
<v Speaker 1>I don't need any more additional savings. So I would

0:44:34.840 --> 0:44:37.520
<v Speaker 1>be putting that five hundred bucks a month consistently. And

0:44:37.560 --> 0:44:40.719
<v Speaker 1>you will see over the next ten years or so

0:44:41.400 --> 0:44:43.879
<v Speaker 1>that you know, yes, there will be sometimes your money

0:44:43.880 --> 0:44:45.480
<v Speaker 1>has gone down and sometimes it's gone a wagh up,

0:44:45.760 --> 0:44:48.479
<v Speaker 1>but it will average out to an up over time.

0:44:48.520 --> 0:44:51.239
<v Speaker 1>That is what the market teaches us. And so you

0:44:51.280 --> 0:44:53.000
<v Speaker 1>actually lose money, like, don't be like me. I was

0:44:53.000 --> 0:44:56.239
<v Speaker 1>such a quarter of cash, Like I can only imagine

0:44:56.239 --> 0:44:58.840
<v Speaker 1>in the last ten years how much money I actually

0:44:58.920 --> 0:45:02.719
<v Speaker 1>lost by saving so much in cash. I mean, I

0:45:02.760 --> 0:45:04.520
<v Speaker 1>had so much saved in cash. The house I'm sitting

0:45:04.640 --> 0:45:06.560
<v Speaker 1>now I bought with cash. You should not have that

0:45:06.640 --> 0:45:09.600
<v Speaker 1>much take like I should not have had that much saved.

0:45:09.640 --> 0:45:12.319
<v Speaker 1>And I knew it was my fear, even though like

0:45:12.400 --> 0:45:14.359
<v Speaker 1>my brain was like Tiffany, you don't need this much save,

0:45:14.400 --> 0:45:17.719
<v Speaker 1>this is crazy, but my heart was like a scant up,

0:45:17.719 --> 0:45:18.319
<v Speaker 1>scanted up, scared.

0:45:18.320 --> 0:45:19.480
<v Speaker 3>I don't want to put it. I don't want to

0:45:19.520 --> 0:45:20.560
<v Speaker 3>lose it. I don't want to lose it.

0:45:20.680 --> 0:45:22.520
<v Speaker 1>So I ended up, like I said, buying a house cash,

0:45:22.560 --> 0:45:25.600
<v Speaker 1>which is honestly, that's great in all but you know,

0:45:26.040 --> 0:45:28.880
<v Speaker 1>I lost out in the long run by not giving

0:45:28.920 --> 0:45:31.560
<v Speaker 1>my money a chance to grow, and so that's what

0:45:31.600 --> 0:45:34.480
<v Speaker 1>I want for you. So do your googles dollar costs averaging,

0:45:34.480 --> 0:45:37.880
<v Speaker 1>which just basically means that you just put money in. Basically,

0:45:37.880 --> 0:45:41.240
<v Speaker 1>it's almost like drip marketing. You just drip drip investing.

0:45:41.280 --> 0:45:45.600
<v Speaker 1>You just drip drip drip your money in consistently over time,

0:45:45.719 --> 0:45:47.640
<v Speaker 1>and then you will see consistently over time that the

0:45:47.680 --> 0:45:50.319
<v Speaker 1>good times and the bad times will weigh out to

0:45:50.760 --> 0:45:51.919
<v Speaker 1>decent times over time.

0:45:52.200 --> 0:45:55.080
<v Speaker 2>Yeah, definitely one hundred percent, and with twenty k in

0:45:55.080 --> 0:45:57.560
<v Speaker 2>the bank. I mean, if you want someone to help,

0:45:57.840 --> 0:46:00.400
<v Speaker 2>a financial planner can help you decide. Like pecially my

0:46:00.440 --> 0:46:03.680
<v Speaker 2>financial planner, she helped me strategize I didn't do. I

0:46:03.719 --> 0:46:06.600
<v Speaker 2>didn't start saving, like putting everything into the market and

0:46:06.760 --> 0:46:09.719
<v Speaker 2>his stocks. We were like a little bit conservative. So

0:46:09.800 --> 0:46:12.240
<v Speaker 2>for shorter term goals, we opened a couple of CDs

0:46:12.280 --> 0:46:15.120
<v Speaker 2>and then we put extra money into our IRA. Like

0:46:15.320 --> 0:46:18.600
<v Speaker 2>there's different levels, you know, but money markets again, like

0:46:18.640 --> 0:46:21.360
<v Speaker 2>you might as well just put money into your savings account.

0:46:21.440 --> 0:46:23.799
<v Speaker 2>It'll be it'll do just as well, if not better

0:46:23.840 --> 0:46:26.720
<v Speaker 2>than a a money market. While we're on the subject.

0:46:26.719 --> 0:46:28.520
<v Speaker 2>We had another We had a similar question from a

0:46:28.560 --> 0:46:31.759
<v Speaker 2>listener essentially wanting to know. Okay, so if now it's

0:46:31.800 --> 0:46:34.080
<v Speaker 2>a good time to invest, how do I start? And

0:46:34.120 --> 0:46:35.920
<v Speaker 2>this is from a listener, what does she want to be?

0:46:35.960 --> 0:46:39.719
<v Speaker 2>Remain anonymous? Where did it go? I swiped on my phone? Oh,

0:46:39.719 --> 0:46:44.319
<v Speaker 2>here we go. Let's see from Instagram. Let's just call

0:46:44.360 --> 0:46:46.120
<v Speaker 2>her too too, because I see that in her instant

0:46:46.160 --> 0:46:47.839
<v Speaker 2>name and I don't know how to pronounce the rest

0:46:47.840 --> 0:46:49.920
<v Speaker 2>of it. I love she's saying, it's now a good

0:46:49.920 --> 0:46:51.680
<v Speaker 2>time to invest. I want to take advantage of the

0:46:51.719 --> 0:46:54.080
<v Speaker 2>discounted prices that you guys talk about on the show.

0:46:54.400 --> 0:46:56.239
<v Speaker 2>And by discount she means like when I say clear

0:46:56.239 --> 0:46:59.600
<v Speaker 2>and sale. But there is a lot of information overload

0:46:59.640 --> 0:47:01.200
<v Speaker 2>in the book time reading, and it's hard to know

0:47:01.280 --> 0:47:03.120
<v Speaker 2>when you're really truly ready to jump in and when

0:47:03.120 --> 0:47:06.400
<v Speaker 2>you're a novice investor. Thanks, and i'd like I made anonymous.

0:47:06.600 --> 0:47:08.239
<v Speaker 2>Well it's okay because I didn't use your real name.

0:47:09.440 --> 0:47:11.960
<v Speaker 2>So yeah, so similar, So okay. So people like her

0:47:12.239 --> 0:47:14.160
<v Speaker 2>who you know, Oh, they want to jump in. It's

0:47:14.200 --> 0:47:15.800
<v Speaker 2>like trying to jump in and during a game of

0:47:15.840 --> 0:47:22.799
<v Speaker 2>double Dutch, like you're trying to like anyway sender lost fellow, Okay,

0:47:22.800 --> 0:47:23.279
<v Speaker 2>anyway you.

0:47:23.280 --> 0:47:24.520
<v Speaker 3>Could, I could just see you walk it back and

0:47:24.560 --> 0:47:25.280
<v Speaker 3>for you like, oh wait.

0:47:25.120 --> 0:47:29.880
<v Speaker 2>Okay, yeah just jump just jump but jump into like

0:47:30.120 --> 0:47:32.760
<v Speaker 2>you know, jump in with your toe Like well, anyway,

0:47:32.760 --> 0:47:34.600
<v Speaker 2>I've been talking a lot, Tiff. What would you say

0:47:34.800 --> 0:47:35.120
<v Speaker 2>to this?

0:47:36.120 --> 0:47:38.080
<v Speaker 1>I honestly this, So this is what I would say.

0:47:38.080 --> 0:47:41.520
<v Speaker 1>I would say, look into index funds. So if you

0:47:41.800 --> 0:47:43.839
<v Speaker 1>now is not the time to be like, oh, I'm

0:47:43.920 --> 0:47:46.800
<v Speaker 1>a start picking stocks I because you're not going to

0:47:46.880 --> 0:47:50.880
<v Speaker 1>know and even if you happen to luckily pick a

0:47:50.880 --> 0:47:53.240
<v Speaker 1>stock that goes up. Look, let's just say like Beyond

0:47:53.280 --> 0:47:55.000
<v Speaker 1>Meat did really great today, right, and you pick a

0:47:55.000 --> 0:47:58.040
<v Speaker 1>stock you're like woo. But if you haven't followed, like

0:47:58.480 --> 0:48:01.000
<v Speaker 1>what made Beyond Meat a good stock? You know, what

0:48:01.080 --> 0:48:03.399
<v Speaker 1>are their profits versus their dead are?

0:48:03.440 --> 0:48:03.600
<v Speaker 2>You know?

0:48:03.719 --> 0:48:06.600
<v Speaker 1>Are they using their cash effectively? Like who's running the company?

0:48:06.760 --> 0:48:10.239
<v Speaker 1>So to understand why a stock actually went up, it's

0:48:10.280 --> 0:48:12.719
<v Speaker 1>like buying a house without getting an inspection, like why

0:48:12.800 --> 0:48:15.240
<v Speaker 1>is this house a good house? So then I wouldn't

0:48:15.520 --> 0:48:19.279
<v Speaker 1>be purchasing individual stocks unless you were going to like

0:48:19.680 --> 0:48:22.800
<v Speaker 1>take a course and learn more about how to properly

0:48:22.840 --> 0:48:24.640
<v Speaker 1>do so if you don't not to do anything else,

0:48:24.640 --> 0:48:27.799
<v Speaker 1>you can invest in the in an index. So you

0:48:27.800 --> 0:48:29.920
<v Speaker 1>can invest in an index almost like as a as

0:48:29.920 --> 0:48:32.400
<v Speaker 1>a stock. That's called that ETF. That's you can I

0:48:32.400 --> 0:48:36.200
<v Speaker 1>don't remember some of the symbols like boo, there's some symbols. Well,

0:48:36.200 --> 0:48:39.799
<v Speaker 1>you can literally just google ETF index funds. And so

0:48:40.000 --> 0:48:42.719
<v Speaker 1>an index fund is just a like the S and

0:48:42.800 --> 0:48:45.839
<v Speaker 1>P five hundred, the Dow, the what is it? What's

0:48:45.840 --> 0:48:47.960
<v Speaker 1>some other indexes? I always sent the smp F one hundred,

0:48:47.960 --> 0:48:48.840
<v Speaker 1>the well.

0:48:48.719 --> 0:48:51.120
<v Speaker 2>The standards like the SNP is kind of like when

0:48:51.200 --> 0:48:53.520
<v Speaker 2>you're opening up an index fund, this is most likely

0:48:53.960 --> 0:48:56.800
<v Speaker 2>the index that it'll track against. And you can start

0:48:56.840 --> 0:48:59.280
<v Speaker 2>with anything like and I think even for a novice,

0:48:59.320 --> 0:49:01.640
<v Speaker 2>it's almost like where to open an account at. You can

0:49:01.680 --> 0:49:04.920
<v Speaker 2>open an account at Vanguard, at Fidelity, at your local

0:49:05.280 --> 0:49:08.319
<v Speaker 2>your bank might have an investing platform like you. There's

0:49:08.320 --> 0:49:11.160
<v Speaker 2>a bunch of like low cost brokerage accounts out there.

0:49:11.640 --> 0:49:15.680
<v Speaker 2>Open up individual I RAY account or sorry, an IRA

0:49:15.760 --> 0:49:18.359
<v Speaker 2>account or like a brokerage account, which are a little

0:49:18.360 --> 0:49:21.359
<v Speaker 2>bit different. I can post a helpful article on this too.

0:49:21.440 --> 0:49:23.319
<v Speaker 2>I know you said you're overloaded by reading, but you

0:49:23.440 --> 0:49:25.360
<v Speaker 2>want to understand a little bit the type of account

0:49:25.360 --> 0:49:28.000
<v Speaker 2>that you're getting once you're in there. If you really

0:49:28.040 --> 0:49:30.400
<v Speaker 2>just want hands off, you can do like a target

0:49:30.520 --> 0:49:33.200
<v Speaker 2>date fund, which is a type of mutual fund that

0:49:33.360 --> 0:49:36.080
<v Speaker 2>tracks you pick the target day fund that matches when

0:49:36.080 --> 0:49:38.839
<v Speaker 2>you think you'll retire, and then it just invests for you.

0:49:39.280 --> 0:49:40.920
<v Speaker 2>I have a target day fund in my four to

0:49:41.000 --> 0:49:43.919
<v Speaker 2>one k. It's worked out beautifully for me. I don't

0:49:43.960 --> 0:49:46.320
<v Speaker 2>have to think about it, and it's just grown because

0:49:47.000 --> 0:49:50.160
<v Speaker 2>it's very heavily invested in stocks now and it will

0:49:50.160 --> 0:49:53.839
<v Speaker 2>get conserve more conservative as I get older target date.

0:49:54.120 --> 0:49:57.640
<v Speaker 2>Yes that being said, like I was talking to my

0:49:57.680 --> 0:50:00.799
<v Speaker 2>cousin yesterday and a banana who I love. How old

0:50:00.840 --> 0:50:02.600
<v Speaker 2>is she now? Like too old to be called Anna Banana?

0:50:02.719 --> 0:50:07.319
<v Speaker 2>But whatever? Twenty one, twenty two and she's been She

0:50:07.760 --> 0:50:10.640
<v Speaker 2>has been playing around with some investing apps like Acorns

0:50:11.160 --> 0:50:15.040
<v Speaker 2>and Stash, and there are these robo advisors that can

0:50:15.200 --> 0:50:20.120
<v Speaker 2>also be like an entryway into investing, and ultimately it's

0:50:20.360 --> 0:50:22.720
<v Speaker 2>it's kind of the same thing. They help you invest

0:50:22.800 --> 0:50:27.360
<v Speaker 2>in index funds like diversified mutual funds, which is you know,

0:50:27.400 --> 0:50:29.480
<v Speaker 2>they kind of take the guesswork out of it. For you.

0:50:30.000 --> 0:50:33.120
<v Speaker 2>So it's almost a question of would you rather pick

0:50:33.239 --> 0:50:35.440
<v Speaker 2>the brokerage account you want and do the work of

0:50:35.480 --> 0:50:38.480
<v Speaker 2>setting up your account through them, which takes a little

0:50:38.480 --> 0:50:41.640
<v Speaker 2>bit of research, or you can use a robo advisor,

0:50:41.680 --> 0:50:44.440
<v Speaker 2>which takes even less of the guestwork out of the

0:50:44.440 --> 0:50:46.680
<v Speaker 2>whole investing thing. Just to get your feet wet, I

0:50:46.719 --> 0:50:49.719
<v Speaker 2>mean those are so I think we talked about acorns before,

0:50:50.120 --> 0:50:51.279
<v Speaker 2>I forgetting like.

0:50:51.480 --> 0:50:54.359
<v Speaker 1>It's like acorns, there's some well that's not really that well,

0:50:54.400 --> 0:50:57.680
<v Speaker 1>I guess the oh betterment wealth front and you look

0:50:57.719 --> 0:50:59.600
<v Speaker 1>like when it comes to index funds, like at a

0:50:59.640 --> 0:51:03.279
<v Speaker 1>wealth like at a Vanguard or a chop Swab or

0:51:03.280 --> 0:51:05.600
<v Speaker 1>a fidelity, they usually almost all of them have something

0:51:05.640 --> 0:51:09.680
<v Speaker 1>called a total market fun meeting. Basically you're buying like

0:51:09.800 --> 0:51:11.799
<v Speaker 1>a slice of what the market is doing. So as

0:51:11.840 --> 0:51:13.200
<v Speaker 1>the market goes up, your money goes up. As the

0:51:13.200 --> 0:51:15.080
<v Speaker 1>market goes down, your money goes down. And over time,

0:51:15.160 --> 0:51:19.000
<v Speaker 1>the market goes up over time. And so if you

0:51:19.000 --> 0:51:20.840
<v Speaker 1>don't know how to do anything else, like yeah, getting

0:51:20.840 --> 0:51:23.799
<v Speaker 1>your like investing in an index fund and looking at

0:51:23.800 --> 0:51:26.560
<v Speaker 1>a total market fund, and that's the most set it

0:51:26.600 --> 0:51:28.920
<v Speaker 1>and forget it that you can get and know that

0:51:29.400 --> 0:51:32.719
<v Speaker 1>in a ten year span, the likelihood is is your

0:51:32.760 --> 0:51:35.480
<v Speaker 1>money is going to grow without any interference from you.

0:51:35.719 --> 0:51:37.759
<v Speaker 1>Like if you're wanting to learn about stocks and this

0:51:37.840 --> 0:51:40.880
<v Speaker 1>and that, then do that, But you know, not now.

0:51:41.160 --> 0:51:44.040
<v Speaker 1>I don't think it's almost like you know, you're learning

0:51:44.040 --> 0:51:46.719
<v Speaker 1>how to fly the plane on your way up. It's like, uh,

0:51:47.200 --> 0:51:49.000
<v Speaker 1>now's up the time. Now's the time to be able

0:51:49.080 --> 0:51:51.640
<v Speaker 1>to figure out how to autopilot, and then you know,

0:51:51.680 --> 0:51:54.000
<v Speaker 1>when you're safely on the ground, take your take your

0:51:54.000 --> 0:51:57.160
<v Speaker 1>flight lessons, Like don't take flight lessons like the day

0:51:57.200 --> 0:52:00.000
<v Speaker 1>of your first flight, because you're guaranteed to lose money

0:52:00.160 --> 0:52:00.480
<v Speaker 1>that way.

0:52:00.560 --> 0:52:00.839
<v Speaker 3>I think.

0:52:00.880 --> 0:52:04.439
<v Speaker 2>Anyway, Yeah, and I also think, like anyone who's thinking

0:52:04.480 --> 0:52:06.400
<v Speaker 2>about starting to invest, I just say, just do it

0:52:06.440 --> 0:52:09.120
<v Speaker 2>the easiest way possible. Just that, like, get a small

0:52:09.160 --> 0:52:11.879
<v Speaker 2>win now rather than wait to be an expert. You're

0:52:11.880 --> 0:52:13.759
<v Speaker 2>reading books. I think that's you don't even have to

0:52:13.800 --> 0:52:15.920
<v Speaker 2>read all those books, to be honest, and reading those books,

0:52:15.960 --> 0:52:19.680
<v Speaker 2>you're kind of like you could just open a target

0:52:19.760 --> 0:52:21.960
<v Speaker 2>date fund and just start putting like five hundred bucks

0:52:22.000 --> 0:52:23.600
<v Speaker 2>a month or however bunch you can afford into that

0:52:23.640 --> 0:52:26.000
<v Speaker 2>target date fund, and then you can do additional research,

0:52:26.040 --> 0:52:28.480
<v Speaker 2>like Tiff said, and learn how to do more more

0:52:28.560 --> 0:52:31.440
<v Speaker 2>nuanced investing, or maybe buy some individual stocks if you

0:52:31.440 --> 0:52:33.279
<v Speaker 2>have money to play around with. But for now, it's

0:52:33.360 --> 0:52:36.239
<v Speaker 2>just like just start now. If you're if you're new,

0:52:36.320 --> 0:52:38.000
<v Speaker 2>if you're just getting a new job and you're opening

0:52:38.080 --> 0:52:40.120
<v Speaker 2>up your first four to one K, this is great

0:52:40.160 --> 0:52:43.759
<v Speaker 2>because you're again the money that you're contributing. Now. If

0:52:43.800 --> 0:52:45.480
<v Speaker 2>you contribute one hundred dollars to your four to one

0:52:45.520 --> 0:52:47.759
<v Speaker 2>K today, when stocks are lower than they were a

0:52:47.880 --> 0:52:51.000
<v Speaker 2>year ago, that one hundred dollars can buy you more. Right,

0:52:51.120 --> 0:52:54.120
<v Speaker 2>So if those stocks that you buy end up increasing

0:52:54.120 --> 0:52:56.319
<v Speaker 2>in value, well you've got a bigger return on your

0:52:56.360 --> 0:52:58.759
<v Speaker 2>investment because you bought low. You can't plan for this

0:52:58.880 --> 0:53:01.799
<v Speaker 2>kind of thing, but I would say if you, if

0:53:01.800 --> 0:53:04.120
<v Speaker 2>you have like we said before, if you have time

0:53:04.200 --> 0:53:06.400
<v Speaker 2>on your side, and you can handle a little bit

0:53:06.440 --> 0:53:09.960
<v Speaker 2>of risk now. And again we're not investment experts. We're

0:53:10.040 --> 0:53:12.640
<v Speaker 2>just like I'm just someone who's opened a four one

0:53:12.719 --> 0:53:15.480
<v Speaker 2>K after the last recession and saw great things happen.

0:53:15.920 --> 0:53:19.080
<v Speaker 2>I would say, yes, just start and don't overthink it.

0:53:19.840 --> 0:53:23.319
<v Speaker 2>Which people, especially women, we like to feel like we

0:53:23.440 --> 0:53:27.320
<v Speaker 2>understand something entirely before we jump in, and you could

0:53:27.360 --> 0:53:29.440
<v Speaker 2>just set yourself up, you know, to miss out on

0:53:29.480 --> 0:53:32.960
<v Speaker 2>potential returns by you know, waiting until you are an

0:53:33.000 --> 0:53:34.920
<v Speaker 2>expert to dipe in.

0:53:35.120 --> 0:53:40.880
<v Speaker 1>Exactly, exactly exactly as my husband, my husband, my sister's

0:53:40.920 --> 0:53:43.040
<v Speaker 1>husband would say, exactly.

0:53:43.160 --> 0:53:46.840
<v Speaker 2>Since you brought that old chest no out exactly.

0:53:49.000 --> 0:53:54.040
<v Speaker 3>Oh well, so it's time for a boosts. Oh breaks,

0:53:54.239 --> 0:53:59.319
<v Speaker 3>you're gonna boost, You're gonna break, You're gonna boost a break. So, yeah,

0:53:59.320 --> 0:54:03.560
<v Speaker 3>you gotta boost. Are you gonna break? Hi, I'm gonna

0:54:03.600 --> 0:54:04.200
<v Speaker 3>let you go first.

0:54:04.200 --> 0:54:06.160
<v Speaker 2>Oh, you know you're gonna let me go first. Thank you.

0:54:06.239 --> 0:54:07.759
<v Speaker 2>I could tell, I can always tell on how you

0:54:07.800 --> 0:54:09.640
<v Speaker 2>deliver it, whether or not I'm gonna go first or

0:54:09.640 --> 0:54:13.160
<v Speaker 2>I'm gonna go second. I'm gonna do a boost for

0:54:13.440 --> 0:54:16.760
<v Speaker 2>my sister and my brother and for myself for letting

0:54:16.760 --> 0:54:21.600
<v Speaker 2>them help me, because in my pandemic parenting lifestyle right now,

0:54:21.800 --> 0:54:24.960
<v Speaker 2>I usually am always leading the charge for like group

0:54:25.040 --> 0:54:27.600
<v Speaker 2>gifts for our mom, group gifts for birth for the dad,

0:54:27.680 --> 0:54:30.400
<v Speaker 2>for the birthday, like for Father's Day, Mother's Day, that

0:54:30.480 --> 0:54:33.200
<v Speaker 2>kind of stuff. I just don't have the brain power

0:54:33.239 --> 0:54:36.120
<v Speaker 2>of bandwidth. I thought Mother's Day was two weeks from now. Okay,

0:54:36.560 --> 0:54:38.719
<v Speaker 2>it's it's come and listen. And if you're listening to

0:54:38.800 --> 0:54:43.120
<v Speaker 2>this Wednesday morning, it is this Sunday, Like I should

0:54:43.160 --> 0:54:45.880
<v Speaker 2>know this. I'm actually a mom this year. Anyway, but

0:54:45.920 --> 0:54:49.640
<v Speaker 2>thank God for my sister because she arranged flower my

0:54:49.719 --> 0:54:52.640
<v Speaker 2>mother listened to the show, she arranged flowers for my mom,

0:54:53.120 --> 0:54:55.920
<v Speaker 2>and I had part of my identity is sort of

0:54:55.960 --> 0:54:58.600
<v Speaker 2>like wrapped up in being the one who takes care

0:54:58.640 --> 0:55:01.399
<v Speaker 2>of shit in the siblings group, you know, and I've

0:55:01.440 --> 0:55:03.680
<v Speaker 2>just had to let it go and let my brother

0:55:03.719 --> 0:55:06.600
<v Speaker 2>and sister step up. And it was the same story

0:55:06.920 --> 0:55:09.680
<v Speaker 2>around my mother's birthday last month. When we did we

0:55:09.719 --> 0:55:12.680
<v Speaker 2>wanted to compile all these video messages from all of

0:55:12.680 --> 0:55:15.520
<v Speaker 2>her loved ones across the country, friends, since she hasn't

0:55:15.560 --> 0:55:19.080
<v Speaker 2>seen since college and you know, from her early working days.

0:55:19.120 --> 0:55:21.960
<v Speaker 2>And I was like, I'm going to edit it and

0:55:22.040 --> 0:55:24.640
<v Speaker 2>I'm going to collect all the video snippets. No no, no,

0:55:24.640 --> 0:55:26.480
<v Speaker 2>no no no. Very quickly I learned I needed to

0:55:26.520 --> 0:55:29.560
<v Speaker 2>ask them for help. And anyway, it's a small thing,

0:55:29.640 --> 0:55:32.880
<v Speaker 2>but if you guys can ask for help from siblings,

0:55:33.480 --> 0:55:36.000
<v Speaker 2>I've and it's brought us so much closer together that

0:55:36.080 --> 0:55:39.919
<v Speaker 2>I've like been open to having them help more and

0:55:40.040 --> 0:55:42.840
<v Speaker 2>I love them so so much and I feel so

0:55:42.960 --> 0:55:46.040
<v Speaker 2>blessed to have them here to help me keep it together.

0:55:46.600 --> 0:55:48.680
<v Speaker 2>And I just don't know where. I just don't know

0:55:48.719 --> 0:55:50.800
<v Speaker 2>where I be right now without my brother and my sister.

0:55:51.800 --> 0:55:55.160
<v Speaker 2>And I just wanted to boost that boost family, boost

0:55:55.160 --> 0:55:59.280
<v Speaker 2>the help, and boost me for asking for it, which

0:55:59.480 --> 0:56:01.640
<v Speaker 2>we all know I have struggled to do in the past.

0:56:01.640 --> 0:56:04.400
<v Speaker 2>And that's why I have my mommy wrist and my

0:56:04.400 --> 0:56:07.239
<v Speaker 2>wrist is an embrace because I literally didn't ask for

0:56:07.280 --> 0:56:09.200
<v Speaker 2>help with the baby for a very long time and

0:56:09.280 --> 0:56:10.520
<v Speaker 2>now I'm paying for it.

0:56:11.280 --> 0:56:14.359
<v Speaker 3>Oh yeah, So I'm going to wait. Did I talk

0:56:14.400 --> 0:56:15.759
<v Speaker 3>about Own last week?

0:56:15.920 --> 0:56:19.560
<v Speaker 2>Own, like the Own network? Yeah? No, what about it?

0:56:19.600 --> 0:56:22.680
<v Speaker 3>Okay? I literally had the worst Mammy. I'm like, we're

0:56:22.680 --> 0:56:24.880
<v Speaker 3>gonna talking about it. So I am going to do

0:56:25.040 --> 0:56:27.320
<v Speaker 3>a boost because.

0:56:28.560 --> 0:56:30.000
<v Speaker 1>So now that the press release is are I can

0:56:30.080 --> 0:56:32.799
<v Speaker 1>finally share because I said India, I'm like, can I share?

0:56:33.320 --> 0:56:37.800
<v Speaker 1>So a few weeks ago, this production company that we

0:56:37.840 --> 0:56:40.320
<v Speaker 1>all know. We've seen this production company's name flash across

0:56:40.320 --> 0:56:42.600
<v Speaker 1>the screen many and many times, we sat and said,

0:56:42.640 --> 0:56:45.480
<v Speaker 1>how interest in doing this show or being a guest

0:56:45.520 --> 0:56:48.600
<v Speaker 1>on a show with Ayana Bonzan and I was like, what, so,

0:56:49.480 --> 0:56:50.719
<v Speaker 1>Ayana Bonzan.

0:56:50.520 --> 0:56:51.480
<v Speaker 2>Shud I know who that is?

0:56:52.280 --> 0:56:53.600
<v Speaker 3>So misfix your life?

0:56:54.440 --> 0:56:55.319
<v Speaker 2>Should I know who that is?

0:56:56.160 --> 0:56:57.640
<v Speaker 1>Oh my gosh, I need to do your googles. And

0:56:57.680 --> 0:57:01.000
<v Speaker 1>Yawa Banza she's a she is one of the protogees

0:57:01.000 --> 0:57:02.520
<v Speaker 1>of Oprah. I'm sure she'd be like, girl, I'm not

0:57:02.520 --> 0:57:06.440
<v Speaker 1>her protegee. But it's like, so that's that's how sasty

0:57:06.520 --> 0:57:09.200
<v Speaker 1>she is. So it's Ayana, like you know how like

0:57:09.320 --> 0:57:11.160
<v Speaker 1>so Oprah, these are like her main people that she's

0:57:11.239 --> 0:57:13.279
<v Speaker 1>kind of like brought on board, right, So it's like

0:57:13.680 --> 0:57:16.440
<v Speaker 1>doctor phil doctor I thought you're right?

0:57:16.480 --> 0:57:18.360
<v Speaker 2>Are you right here for doctor Philer oz anymore?

0:57:19.160 --> 0:57:19.520
<v Speaker 3>No, we're not.

0:57:19.600 --> 0:57:21.360
<v Speaker 1>I'm just saying that, like this is like, you know

0:57:21.360 --> 0:57:22.960
<v Speaker 1>how like Oprah brought these people.

0:57:22.720 --> 0:57:25.080
<v Speaker 2>So like, yes, yes, she's given them her gifts, she's

0:57:25.080 --> 0:57:26.080
<v Speaker 2>given them her shine.

0:57:26.600 --> 0:57:29.200
<v Speaker 1>Yea is one of that can't but you never had

0:57:29.240 --> 0:57:32.200
<v Speaker 1>to fix her fix your life. That's like a it's

0:57:32.240 --> 0:57:35.400
<v Speaker 1>like huge because it's like everybody has jokes about it.

0:57:35.400 --> 0:57:40.880
<v Speaker 2>Anyway, Sorry, that's fine. So you didn't know about the Casketeers,

0:57:40.880 --> 0:57:41.520
<v Speaker 2>but I forgave you.

0:57:41.640 --> 0:57:45.720
<v Speaker 1>I did it, and I was, although I wouldn't say

0:57:45.760 --> 0:57:49.480
<v Speaker 1>that's the same. So they they reached out, was like, oh,

0:57:49.480 --> 0:57:51.320
<v Speaker 1>we'd love to have you on the show, you know.

0:57:51.480 --> 0:57:54.440
<v Speaker 1>So I did like a like a pre interview. They're like,

0:57:54.440 --> 0:57:56.080
<v Speaker 1>oh my gosh, we love we love you. So it's

0:57:56.080 --> 0:57:56.960
<v Speaker 1>just so funny how I.

0:57:57.000 --> 0:57:59.280
<v Speaker 2>Always love you. All all you need to do is

0:57:59.400 --> 0:58:01.360
<v Speaker 2>go on the phone them they're gonna love it.

0:58:02.720 --> 0:58:04.000
<v Speaker 3>And I'm always like, oh, I don't know.

0:58:04.320 --> 0:58:06.600
<v Speaker 1>And it's so it's just funny about how you plant

0:58:06.640 --> 0:58:09.920
<v Speaker 1>seed sometimes years in advance. So the big producer was like,

0:58:09.920 --> 0:58:11.720
<v Speaker 1>oh my god, years ago, I took your literature challenge

0:58:11.720 --> 0:58:14.080
<v Speaker 1>and it totally helped me. And then the young producer

0:58:14.080 --> 0:58:16.560
<v Speaker 1>shout out to Jessica. She was like, oh my god.

0:58:16.560 --> 0:58:17.800
<v Speaker 1>When your name came up, I was like, we have

0:58:17.840 --> 0:58:19.560
<v Speaker 1>to use her. And I'm like, I know you. She

0:58:19.680 --> 0:58:22.280
<v Speaker 1>was like, you were my instructor at the Wien Academy.

0:58:22.280 --> 0:58:24.400
<v Speaker 1>So the Wien Academy, I can't remember what WEEN stands for.

0:58:24.600 --> 0:58:27.960
<v Speaker 1>It's like women in Entertainment. So I every year I

0:58:28.080 --> 0:58:31.640
<v Speaker 1>volunteer and I teach this free financial class for these

0:58:31.680 --> 0:58:34.360
<v Speaker 1>young women who were between the ages typically like sixteen

0:58:34.400 --> 0:58:37.320
<v Speaker 1>to like twenty something and they attend. They fly into

0:58:37.320 --> 0:58:41.720
<v Speaker 1>New York and attend like a weekend long like academy,

0:58:42.040 --> 0:58:45.080
<v Speaker 1>and it's really awesome and it's all sisters and brown

0:58:45.120 --> 0:58:47.760
<v Speaker 1>girls and you know, and I just thought to myself, Wow,

0:58:47.800 --> 0:58:50.200
<v Speaker 1>what a full circle moment that, Like, had I not

0:58:50.240 --> 0:58:51.800
<v Speaker 1>been doing that year after year, who knows that they

0:58:51.840 --> 0:58:53.400
<v Speaker 1>would have been thought of me? Because I asked, how'd

0:58:53.400 --> 0:58:56.040
<v Speaker 1>you find me? She's like, girl, you know, you came

0:58:56.080 --> 0:58:57.880
<v Speaker 1>and you taught, and you were so awesome.

0:58:57.560 --> 0:58:58.440
<v Speaker 3>And you were so giving.

0:58:58.480 --> 0:59:02.080
<v Speaker 1>And I'm like, oh wow, So anyway, baby child, we

0:59:02.280 --> 0:59:05.120
<v Speaker 1>like to have you on the show. And I'm thinking, like, okay,

0:59:05.400 --> 0:59:08.160
<v Speaker 1>I'll be on this. This it's a limited series docu

0:59:08.240 --> 0:59:10.600
<v Speaker 1>series with a talking about fear, and of course I'm

0:59:10.600 --> 0:59:13.120
<v Speaker 1>going to talk about financial fear. Didn't think anything of

0:59:13.160 --> 0:59:15.840
<v Speaker 1>it until the press release comes out and it says

0:59:16.040 --> 0:59:21.000
<v Speaker 1>new show on own network docuseries. Special guests include Oprah Winfrey.

0:59:21.160 --> 0:59:27.040
<v Speaker 1>I was like, wait what, R and B Legend BB Winings,

0:59:27.080 --> 0:59:32.120
<v Speaker 1>I said, okay what? And financial educator Tiffany the Budgetista

0:59:32.640 --> 0:59:34.240
<v Speaker 1>Variety on Dead.

0:59:34.320 --> 0:59:40.640
<v Speaker 2>In a sentence, yes and a and a sentence and

0:59:40.800 --> 0:59:42.040
<v Speaker 2>your name call.

0:59:43.720 --> 0:59:44.280
<v Speaker 3>What.

0:59:44.920 --> 0:59:47.400
<v Speaker 2>So basically you're on your way to being on her tour,

0:59:48.080 --> 0:59:55.520
<v Speaker 2>the next Oprah Owned tour like backstage passes, backstage passes, Congress,

0:59:56.280 --> 0:59:58.840
<v Speaker 2>bfd b ethic, Yes, yes.

0:59:58.720 --> 1:00:01.000
<v Speaker 1>It is, and I just like, you know, like at first,

1:00:01.000 --> 1:00:02.680
<v Speaker 1>I was kind of I was already excited before, but

1:00:02.720 --> 1:00:04.600
<v Speaker 1>I didn't know that Oprah was also going to be

1:00:04.640 --> 1:00:07.600
<v Speaker 1>a guest on the show. So it just it's just

1:00:07.640 --> 1:00:10.120
<v Speaker 1>things like that. You're like, wow, but you think about

1:00:10.560 --> 1:00:13.280
<v Speaker 1>the you know, like what you sew, you know what

1:00:13.360 --> 1:00:15.800
<v Speaker 1>you reap, you truly have sown. And I think to myself, like,

1:00:16.160 --> 1:00:18.600
<v Speaker 1>remember when I first did the first Literature Challenge. Everyone

1:00:18.640 --> 1:00:21.200
<v Speaker 1>said basically I was dumb because I was giving it

1:00:21.240 --> 1:00:23.480
<v Speaker 1>away for free, But I'm like, no, people really need help.

1:00:23.680 --> 1:00:26.040
<v Speaker 1>There has to be something. I mean, I speak and

1:00:26.080 --> 1:00:28.240
<v Speaker 1>I you know, and I have books now. So the

1:00:28.360 --> 1:00:30.240
<v Speaker 1>challenges were my way to say, if you don't have

1:00:30.400 --> 1:00:33.280
<v Speaker 1>any money, I can give you a full fledged course,

1:00:33.880 --> 1:00:36.320
<v Speaker 1>like which is totally free. And it's like year six

1:00:36.440 --> 1:00:37.360
<v Speaker 1>and all of them are.

1:00:37.280 --> 1:00:39.840
<v Speaker 3>Still completely free. There's been no gotcha, gotcha.

1:00:39.880 --> 1:00:43.320
<v Speaker 1>I did one with Magnify Money and Mandy was my

1:00:43.400 --> 1:00:46.840
<v Speaker 1>special guest every week, so like that was the credit one,

1:00:46.920 --> 1:00:48.640
<v Speaker 1>which is like one of my favorite ones. And so

1:00:49.120 --> 1:00:50.880
<v Speaker 1>you just think about things like that that people tell

1:00:50.920 --> 1:00:51.880
<v Speaker 1>you are like not the.

1:00:51.880 --> 1:00:54.600
<v Speaker 3>Right move or take take, take or don't give.

1:00:54.520 --> 1:00:57.080
<v Speaker 1>And you think to yourself, how that given these two instances,

1:00:57.360 --> 1:00:59.080
<v Speaker 1>maybe they wouldn't have thought of me, you know. And

1:00:59.120 --> 1:01:02.440
<v Speaker 1>who knows when once it air So it's supposed to air, well,

1:01:02.440 --> 1:01:04.200
<v Speaker 1>it's supposed to begin airing. I don't know when my

1:01:04.560 --> 1:01:06.760
<v Speaker 1>component airs, but begins airing. Macy, did you already tape

1:01:06.760 --> 1:01:07.480
<v Speaker 1>twineteen twenty?

1:01:08.400 --> 1:01:08.960
<v Speaker 3>Maybe?

1:01:09.080 --> 1:01:11.080
<v Speaker 2>Oh, so you must say, oh, well, this is a

1:01:11.160 --> 1:01:14.400
<v Speaker 2>quick turnaround. Did you tape it from home? Was this

1:01:14.520 --> 1:01:15.680
<v Speaker 2>or was this pre pandemic?

1:01:16.680 --> 1:01:18.240
<v Speaker 1>No, it takes it from home. They sent like they

1:01:18.280 --> 1:01:19.920
<v Speaker 1>sent me like the equipment to set up.

1:01:20.240 --> 1:01:23.360
<v Speaker 2>This is exciting. I know, girl, I'm glad I got

1:01:23.360 --> 1:01:25.360
<v Speaker 2>cable for once in my life.

1:01:25.600 --> 1:01:27.479
<v Speaker 1>And I don't which I'm like, damn, am I gonna

1:01:27.480 --> 1:01:29.520
<v Speaker 1>have to get cable for this? So I think I

1:01:29.520 --> 1:01:32.680
<v Speaker 1>get Someone said you can get like seven free days

1:01:32.760 --> 1:01:33.400
<v Speaker 1>of like you.

1:01:33.360 --> 1:01:37.840
<v Speaker 2>Know, a free trial to get to watch your own special.

1:01:38.600 --> 1:01:40.760
<v Speaker 2>Make sure you time it right, are you?

1:01:41.200 --> 1:01:42.480
<v Speaker 3>I was thinking, I was like, wait a minute, what

1:01:42.520 --> 1:01:43.160
<v Speaker 3>am I gonna come on?

1:01:44.200 --> 1:01:44.280
<v Speaker 2>So?

1:01:44.360 --> 1:01:45.880
<v Speaker 1>Yeah, it was just like one of those like full

1:01:45.880 --> 1:01:48.280
<v Speaker 1>circle moments of like, you know, reaping what you sew

1:01:48.400 --> 1:01:52.280
<v Speaker 1>and I don't know, it just felt good to just

1:01:52.360 --> 1:01:53.600
<v Speaker 1>you know, I actually have to call my mom and

1:01:53.640 --> 1:01:55.280
<v Speaker 1>tell her, because you know, she has to let all

1:01:55.280 --> 1:01:58.440
<v Speaker 1>the aunties know, all the aunties know, and so I

1:01:58.480 --> 1:01:59.880
<v Speaker 1>don't want her to hear from them first, and she'd

1:01:59.880 --> 1:02:00.960
<v Speaker 1>be like, they told.

1:02:00.800 --> 1:02:02.840
<v Speaker 3>Me how comm you did everything. I wasn't prepared.

1:02:03.400 --> 1:02:07.240
<v Speaker 1>So yeah, that's my big boost. And you know, the

1:02:07.320 --> 1:02:09.400
<v Speaker 1>ups and downs and entrepreneurship you have those days you're like,

1:02:09.440 --> 1:02:12.720
<v Speaker 1>you have up days you're like and sometimes it's in

1:02:12.760 --> 1:02:16.520
<v Speaker 1>the same day. But that's definitely something that I'm excited about.

1:02:16.680 --> 1:02:18.160
<v Speaker 1>I am a little nervous because I felt like I

1:02:18.200 --> 1:02:20.240
<v Speaker 1>was nervous. I don't know how well I did.

1:02:20.280 --> 1:02:20.680
<v Speaker 3>Honestly.

1:02:20.960 --> 1:02:24.480
<v Speaker 1>Sometimes I can gauge. I will say that, you know,

1:02:24.600 --> 1:02:25.520
<v Speaker 1>you're in the press release.

1:02:26.760 --> 1:02:29.480
<v Speaker 3>Yeah I know, I know, but that doesn't mean I

1:02:29.520 --> 1:02:32.160
<v Speaker 3>did good. I might, I don't know. We don't see.

1:02:32.200 --> 1:02:35.440
<v Speaker 3>We will all be seeing together, So if it's terrible.

1:02:36.000 --> 1:02:38.080
<v Speaker 1>That's my biggest worry is I'll do this whole big

1:02:38.080 --> 1:02:40.680
<v Speaker 1>thing where I'm like, oh, watch party, and then it'll

1:02:40.720 --> 1:02:41.080
<v Speaker 1>be like.

1:02:41.120 --> 1:02:44.200
<v Speaker 2>Oh well, lit's send you will you will always have

1:02:44.320 --> 1:02:48.320
<v Speaker 2>done the best Yanna what's her name? Yeah, you will?

1:02:48.480 --> 1:02:51.320
<v Speaker 2>You will always have done the best interview with Yanla

1:02:51.440 --> 1:02:53.959
<v Speaker 2>as you ever had done, because it's the first one,

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<v Speaker 2>you know what I mean. Low expectations, Stephanie, we talked

1:02:56.960 --> 1:03:02.080
<v Speaker 2>about this set them low to the fun I personally

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<v Speaker 2>should have boosted the fact that when I got that

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<v Speaker 2>Molly Moore book in the mail, and I it's just

1:03:09.000 --> 1:03:12.200
<v Speaker 2>so exciting because like every friend, I've got a few friends,

1:03:12.200 --> 1:03:14.200
<v Speaker 2>you've written books, and every time I get it, I

1:03:14.360 --> 1:03:17.880
<v Speaker 2>just feel like, in some small part I was there

1:03:18.640 --> 1:03:20.960
<v Speaker 2>when this was just an idea and it was just

1:03:21.080 --> 1:03:22.640
<v Speaker 2>like and it's one of those things that you've been

1:03:22.680 --> 1:03:25.760
<v Speaker 2>talking about for years on the podcast, and it's just

1:03:25.800 --> 1:03:28.840
<v Speaker 2>so good to feel it in my hands. And I

1:03:28.880 --> 1:03:32.920
<v Speaker 2>was so excited, and RIO loved the pictures and the

1:03:32.960 --> 1:03:36.360
<v Speaker 2>illustrations are beautiful and it's such a cute little book.

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<v Speaker 2>I do want to know what kind of friends Molly

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<v Speaker 2>Moore has who are getting her five bikes and four

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<v Speaker 2>phones and twelve dogs, and like like I, it's all

1:03:48.720 --> 1:03:51.440
<v Speaker 2>for counting. Yeh, yeah, yeah, gotcha, gotcha, gotcha?

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<v Speaker 1>I know.

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<v Speaker 3>Congrat Molly is lit.

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<v Speaker 2>Thank you, congrats. I'm so it's so happy, I'm so

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<v Speaker 2>bos on my shelf and yeah, I just feel blessed

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<v Speaker 2>to know people who are out there just creating such

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<v Speaker 2>little treasures like this and we're super excited.

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<v Speaker 3>Congrats, Thank you ya oh rill try to eat the book,

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<v Speaker 3>that's how. That's a good sign.

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<v Speaker 2>Everything he loves, he tries to consume. That is his.

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<v Speaker 2>That is the stage we were at. Indeed, alrighty, well,

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<v Speaker 2>thank you for another great show, Missy.

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<v Speaker 1>Yes, thank you. This was a long one, but I

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<v Speaker 1>think a longie, but a goodie. This show was brought

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<v Speaker 1>to you by Rio's Nap. Thank you Rio Francisco for

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<v Speaker 1>being one of our sponsors today. Yes, all right, well

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<v Speaker 1>we will catch you all next week. Thanks for tuning in.