Speaker 1: Hey, hey, hey, we're back, We're black, We're round.
Speaker 2: And this I was trying to hit you with the
Speaker 2: bass there.
Speaker 3: Coming in with the with the alto. Were you an alto?
Speaker 3: Sopranos is alto high?
Speaker 2: That sounds like a high.
Speaker 1: No, sopranos are the high ones. The altos are the
Speaker 1: for women are the low ones.
Speaker 2: I was never anything regarding vocal prowess. I was, however,
Speaker 2: first chair of clarinets in the concert band at Fayette
Speaker 2: High School in Faithful, Georgia. I'll have you know. The
Speaker 2: concert band was the lesser band than the symphony band.
Speaker 2: So I was the best worst clarinet player, and I
Speaker 2: wore you know what, first chair. I was like the bombsa.
Speaker 2: You could not tell me anything about my clarinet skills.
Speaker 3: It was, what are you crazy?
Speaker 2: It's great being the captain of the bad clarinet players
Speaker 2: because the bar is so low and you're the best
Speaker 2: out of all of them. So honestly, oh, I come
Speaker 2: at me like it's like you set your expectations low
Speaker 2: and you end up happier.
Speaker 3: Right now, Well, I I was. I never.
Speaker 1: I mean I sang in choir only because the school
Speaker 1: that I went to, especially the middle school that I
Speaker 1: went to was like heavy on choir, which is now
Speaker 1: I look back on it, that was odd, like everyone
Speaker 1: saying in choir whatever choir.
Speaker 3: I mean, I wasn't some great singer, but it was
Speaker 3: for fun.
Speaker 2: Yeah.
Speaker 1: But what I did joined in high school was I
Speaker 1: joined the step team.
Speaker 3: Because I grew up in a largely Caucasian.
Speaker 2: I'm surprised they even had a step team. Based on
Speaker 2: what you've told me about your school, what.
Speaker 3: It was, I think it had to be.
Speaker 1: Maybe it was like sophomore year there was a young
Speaker 1: brown sister named Cherrelle that moved from Newark to Westfield.
Speaker 1: Shout out to you, Charrell. So Charrell brought with her
Speaker 1: all these wonder for black things and we were like, oh,
Speaker 1: what's that?
Speaker 2: So she was like the first because you know, when
Speaker 2: expectations are low, like you know, like you come to
Speaker 2: a new school where there aren't very many black kids
Speaker 2: and you're the black kid who knows how to do step,
Speaker 2: then you're like first chair of the step dancers, like
Speaker 2: you might have been a mediocre step dancer, you know
Speaker 2: what I mean.
Speaker 3: Like she was the coolest.
Speaker 1: We were like Sorelle teaches your teachers, your Black Day, Yes,
Speaker 1: like the.
Speaker 3: Five Black Kids.
Speaker 1: So she brought step to us and let's just say
Speaker 1: I was all the way back. I was so terrible,
Speaker 1: but I was determined. I said, oh no, I'm going
Speaker 1: to be.
Speaker 2: On the side. Yea, I need.
Speaker 1: I was terrible, but I will say it was really
Speaker 1: a lot of fun. But yeah, so that was my
Speaker 1: that was my horrible group participation. But it was, like
Speaker 1: I said, it was a lot of fun. Although she
Speaker 1: was like, girl, you have to go all the way
Speaker 1: in the back because you.
Speaker 3: Are off off with them. How are you gonna be
Speaker 3: African with no rhythm?
Speaker 2: See, that's the thing that's like, It's so the stereotype
Speaker 2: works against you. It's the same thing with my husband,
Speaker 2: and well, bless his heart, he's not the best dancer.
Speaker 2: Like he dances though, and it's hard for people out there.
Speaker 2: It's hard to find a partner who will like dance
Speaker 2: with you at the wedding or at the friends event
Speaker 2: or whatever, you know. So he would try. But if
Speaker 2: the Latin song feels like a but shot that comes
Speaker 2: on mangue, he's sitting his butt down real fast. And
Speaker 2: his younger brother can really dance and soak in his
Speaker 2: fiance and any way, he gets a lot of shit
Speaker 2: for for not being like the best but Shota dancer,
Speaker 2: And you know, I'm sad for him because the expectations
Speaker 2: are too hot. Meanwhile, I just swing my hips and
Speaker 2: they're like oh, like they're like, yeah, I look at
Speaker 2: that one, because again, low expectations. We should just title
Speaker 2: this show Low Expectations. Yeah. I once had an idea
Speaker 2: for a book that every time, but every time I
Speaker 2: described it, it made me sound so sad. But I
Speaker 2: and every time I tried to explain the premise, people
Speaker 2: will look at me like are you okay? Because my
Speaker 2: whole idea was it was literally a book about how
Speaker 2: everyone would be happier if we just expected less from everything.
Speaker 2: Expected less from your partner, you're going to find expected
Speaker 2: less from the job that you have. And I think
Speaker 2: I still think that this is true. I believe science
Speaker 2: would back me up on this. When you have less
Speaker 2: expectations for what an outcome will be, or lower expectations
Speaker 2: than you end up being happier because you're grateful that
Speaker 2: anything happened, you know what I mean. But yeah, but
Speaker 2: that's just so against the American mindset around and I'm
Speaker 2: not trying to get too philosophical. But I ended up
Speaker 2: just like, stop talking about it because people will look
Speaker 2: at me like, like I was, you know, had four heads.
Speaker 3: What do you mean maybe like less is less.
Speaker 2: Stratified with like less than excellence? What satisfied with like
Speaker 2: a partner who can't be you know all seventy five
Speaker 2: different friends and family and sexual God and God? Is
Speaker 2: that you need in your life? What? No no one
Speaker 2: wants to like admit.
Speaker 1: That, admit now that maybe they're not having like you know,
Speaker 1: well whatever, because I'm just like that I love that
Speaker 1: it won't get better than this.
Speaker 2: No one wants I'm saying it. I'm like, we're brown ambition,
Speaker 2: not not brown. It's okay brown.
Speaker 3: So so but like he comes back.
Speaker 1: So I know last week we talked about a hard conversation,
Speaker 1: So I had one today. Okay, Oh my gosh, I
Speaker 1: want to tell you all day stress stress, stressed like
Speaker 1: thought about him, literally took a walk beforehand, took a nap,
Speaker 1: like stomach and bubble guts, sweating, and I'm like, Tiffany,
Speaker 1: really all leading up to this conversation and it just
Speaker 1: it went.
Speaker 2: Okay, we would know what but Baltimore, what how long
Speaker 2: had like, how long was this conversation coming? Did you
Speaker 2: ask for it? Had it been hearing for a while?
Speaker 2: Saying any specifics about what it was about, Well, I'll
Speaker 2: say it's about money. I'll just leave it at that.
Speaker 2: That Like, so, ye, it was about money. And it
Speaker 2: was just.
Speaker 1: Like I said, I'm was I told myself this is
Speaker 1: what I told myself to kind of feel better. I
Speaker 1: was like, before the conversation, I was like, you know, Tippy,
Speaker 1: I know your stomach's inns, I know you feel like
Speaker 1: a little uncomfortable, But guess what, girl, You're about to
Speaker 1: have this conversation and that that is done.
Speaker 3: Girl, that's done. That's my move. Yeah, no, it's not done.
Speaker 1: I didn't anticipate that some hard conversations are actually hard
Speaker 1: conversations plural.
Speaker 3: Okay, so it's not it's not it's not resolved.
Speaker 1: If it wasn't some like no knockdown, drag out like
Speaker 1: bite or anything like that. But it's just it's not
Speaker 1: resolved to more conversations to be had. And I'm like,
Speaker 1: are you freaking kidding me? Like that was the one
Speaker 1: thing I was leading on.
Speaker 2: Well do you at least so what was do you
Speaker 2: think that it's leading to more conversations because the first
Speaker 2: conversation was so hard, and like, well, yeah, so just
Speaker 2: tell me more, like what happened in the first conversation
Speaker 2: And was it just that there was so much to
Speaker 2: unpack that you realize is it like the meeting that
Speaker 2: you think is going to be half an hour and
Speaker 2: then you end up we need really need to do
Speaker 2: twenty different things and we need to have some follow
Speaker 2: up meeting to discuss and make sure we really cover
Speaker 2: it cover our tracks.
Speaker 3: Well, yeah, it was.
Speaker 1: It was, well, this is not like this is actually
Speaker 1: the second of the com first the first time it
Speaker 1: didn't it was only like like five minutes because we
Speaker 1: didn't have much time.
Speaker 3: I was like, okay, we will reconvene.
Speaker 1: And like talk about it next week and just like
Speaker 1: really like lean into it. So I was like great,
Speaker 1: even though the first time we talked about we were
Speaker 1: supposed to really talk about it, but we just didn't
Speaker 1: get a chance because it was like, you know, time
Speaker 1: was like running thin and I'm like, damn it, I've
Speaker 1: been in Nots all week to talk about it and
Speaker 1: it's only like five minutes literally.
Speaker 3: Like, hey, we we really should talk about this.
Speaker 1: Thing, and I'm just like, ah, but I you know,
Speaker 1: because I had already saved them all the anxiety. Yeah,
Speaker 1: and so today I was like, no, we're plucked, We're
Speaker 1: we're plowing ahead. And I just was like, you know,
Speaker 1: plowing ahead, sharing how I found. She was sharing how
Speaker 1: she felt and like and it wasn't like I said
Speaker 1: it was. There was no yelling or anything. It was
Speaker 1: like super calm, and but it was very clear that
Speaker 1: it was like, yep, we both agreed that we don't agree.
Speaker 1: And I was like, wait, well, I'm not gonna lie.
Speaker 3: I had not planned for that. Oh I did not.
Speaker 2: Oh oh so you expected to. You expected to kind
Speaker 2: of like get what you wanted out of the conversation
Speaker 2: or to have them understand where you were coming from.
Speaker 2: But oh, this is just every fight my husband and
Speaker 2: I have ever had, so yeah, continue.
Speaker 1: So I thought that at the end she was going
Speaker 1: to be like, you know what, you know what I see?
Speaker 2: Yea, yeah, tell me tell me how right?
Speaker 3: You were like, yeah, exactly, you know what.
Speaker 1: I didn't see what you meant at first, but now
Speaker 1: that you fully explained it, girl, yes I agree.
Speaker 3: I don't know why.
Speaker 1: I just thought that's what it was, but it was
Speaker 1: more like you know what I hear, you still don't.
Speaker 2: Agree though it was the worst, that's the worst, yes.
Speaker 1: And I'm like, wait, so now we're going to have
Speaker 1: another conversation, but so I think we're going to bring
Speaker 1: in maybe like a like a neutral party to have
Speaker 1: a conversation with us.
Speaker 2: Okay, mediator. I've had to use a professional mediator. I
Speaker 2: mean not a professional, but in my professional life, I
Speaker 2: have needed to bring in a third party to be
Speaker 2: there to witness the discussion, just as like, yeah, it's helpful,
Speaker 2: it's helpful.
Speaker 3: Yeah, and I think so too.
Speaker 1: And I think that it's just I just feel like
Speaker 1: lately in business that every time I solve an issue,
Speaker 1: because usually I'm pretty I've gotten much better at like
Speaker 1: like managing the stress of what it comes to being like,
Speaker 1: you know, to running a business. So websites done, Okay,
Speaker 1: you know we need a new hire quickly.
Speaker 3: Because you know X y Z is leading on.
Speaker 1: You know she's doesn't feel well, Okay, I've gotten so
Speaker 1: much better at managing the day to day putting out
Speaker 1: the fire component of business. And I'm like, I feel like,
Speaker 1: you know, I mean, I sleep wildlight now, like but
Speaker 1: lately the fires are blue, you know, like usually fires
Speaker 1: are like you know, like I think blue is like
Speaker 1: when the fire is hotter, right, is that what it is?
Speaker 3: When it's like what you're.
Speaker 2: Saying, Yeah, the hottest is the hottest part of the
Speaker 2: flame is the blue part.
Speaker 1: Yes, And so I'm like, wait what And it seems
Speaker 1: like why am I putting out blue flames over and
Speaker 1: over and over again? And I'm not gonna lie. It's
Speaker 1: taking like this like emotional toll that I'm not used
Speaker 1: to that. I used to feel like this in the
Speaker 1: very beginning of business, when I didn't know how to
Speaker 1: manage anything, you know, so I.
Speaker 3: Was like ah all the time.
Speaker 1: And now I'm like, oh, but you know, you're season tifty,
Speaker 1: You're ten years in so, like I said, up until
Speaker 1: I would say maybe like three or four months ago,
Speaker 1: you know, I've been really good at like that kind
Speaker 1: of thing and at like managing.
Speaker 3: But now it's just different now.
Speaker 1: And I'm like, but one thing I've learned after ten
Speaker 1: years of business, and the part that sucks is like
Speaker 1: I already know what's happening because I've been here so
Speaker 1: many times before. I know what's happening, and I'm like, uh, Frank,
Speaker 1: so something good is happening. Whenever I am growing to
Speaker 1: the next level, this always happens that there is a
Speaker 1: period of heavy uncomfortableness where everything sucks and I want
Speaker 1: to quit. So I know that's what's happening, but I'm
Speaker 1: still like I want to quit. Yes, everything, and so
Speaker 1: that's what's happened. So I know one hundred thousand percent
Speaker 1: that that's what's happening, but it doesn't make it easier.
Speaker 1: I'm just like, I don't want to do it. I
Speaker 1: don't want to.
Speaker 2: You're going through hell. Keep going. That's the chant that
Speaker 2: helps me sometimes.
Speaker 1: I just so, I mean, like it's not that me obviously.
Speaker 1: I mean I'm really blessed. I mean, thank God.
Speaker 3: You know, home is good.
Speaker 1: You know, my husband is good, my sisters are good,
Speaker 1: my parents are good, my friends are good. So all
Speaker 1: that's good and honestly the true things. Business actually has
Speaker 1: literally never been better. So that's not it. It's just there
Speaker 1: isn't no I'm growing, Like I know, there's an emotional
Speaker 1: growth that's tied to like this external growth that I
Speaker 1: have to meet this like oh this external growth internally,
Speaker 1: and I'm not you know, and I know that. I
Speaker 1: know it's like, well, Timmy, you have to put on
Speaker 1: your big girl panting. It's like you have been avoiding
Speaker 1: like growing this part of yourself for a long time,
Speaker 1: and it's time now. And I've been like, wait one
Speaker 1: more year, one more you're being a punk, please, and
Speaker 1: like the external part, what's happening in my life? It's like, no, girl, no,
Speaker 1: we have allowed you for forty years to navigate in
Speaker 1: this space of like internal smallness in this one area
Speaker 1: of your life, and literally you have to grow up
Speaker 1: in this one area. You have to boss up and
Speaker 1: you have to be like okay, and you have to
Speaker 1: push through or you you know, like there's no option.
Speaker 1: It's either this or you stay. Not even because I
Speaker 1: already know what's going to happen if I don't push through.
Speaker 1: It's not that I'm going to be allowed to stay
Speaker 1: at this level. You actually move backwards. So I mean,
Speaker 1: I know it. It's just honestly, it freaking sucks. I
Speaker 1: hope you know. I share this with y'all because I
Speaker 1: want you to know that, like, even when even in success,
Speaker 1: there's you know, there's strife, there's gut wrenching moments.
Speaker 3: Even like, you know, literally nothing's wrong.
Speaker 1: We had our bus month yet in business, but like yeah,
Speaker 1: there's still aspects that I'm learning and growing and it
Speaker 1: freaking sucks. And I'm just like but I'm like literally
Speaker 1: every year, I used to tell myself that this is
Speaker 1: the year I was gonna work on this part of myself,
Speaker 1: this character challenge. I spoke, ooh, this is the year,
Speaker 1: Tiffany that we're going to work on like the hard
Speaker 1: conversations part of you.
Speaker 3: And then I'm like, you know what I'm gonna work on.
Speaker 1: I'm gonna get in basiline instead, I want to get
Speaker 1: a gym membership.
Speaker 3: Oh that's what I'll do.
Speaker 1: Let's work on this booty or like I'm gonna be
Speaker 1: a better friend or I'm gonna be a better auntie
Speaker 1: this year. So every year I kind of set like
Speaker 1: goals and like this is always on the list.
Speaker 3: And I'm like, yeah, I don't think I think I'm
Speaker 3: gonna put this one to the side.
Speaker 1: So this is the year that like it's forcing my hand, like, girl,
Speaker 1: you are not going to be able to elevate to
Speaker 1: the next level.
Speaker 3: So, like I just said, it's just like.
Speaker 2: Have you ever read the Year of Yes by Shonda
Speaker 2: rh No, but I heard you're gonna say yes. Oh
Speaker 2: it's so you need to read it. It's actually a
Speaker 2: quick read. But it's about how Shonda, who was incredibly insecure,
Speaker 2: and it's different because her insecurities and her shyness and
Speaker 2: her social anxiety in part from her her weight issues.
Speaker 2: So she struggled with her weight and anyway. And there
Speaker 2: was one year that she decided because she was always
Speaker 2: the writer inside of her shell, like never went out,
Speaker 2: never said yes to any invitations in Hollywood, would just
Speaker 2: hide from any and then she decided one year like, Okay,
Speaker 2: I'm done with this. And it wasn't like she had
Speaker 2: some big epiphany. It was like it's like you're saying,
Speaker 2: it's just you kind of get tired of having the
Speaker 2: same conversation with yourself and you're like, you know what,
Speaker 2: this is the year I'm just going to say yes
Speaker 2: to everything. And I really recommend it. I even recommend
Speaker 2: the audiobook because she reads it herself. I think I
Speaker 2: might have read the audio listened to the audiobook version,
Speaker 2: but that's great, what I'll say, because I have the
Speaker 2: same internal dialogue like I think a lot of us do.
Speaker 2: There's always that like personal flaw like character flaw or
Speaker 2: flawsa plural that you have that aren't as easy to imagine,
Speaker 2: Like they're not as clear cut a path, Like you
Speaker 2: want to fit into the bikini in six weeks. You
Speaker 2: know you need to eat less and work out more.
Speaker 2: But it's almost like with these you know, character like
Speaker 2: the internal things that we have that can hinder us
Speaker 2: or hold us back, Like you've said, there's not as
Speaker 2: clear a path, and so it's it's harder and it's
Speaker 2: also harder to measure success. And what I all I'll
Speaker 2: say is like I hope that you celebrate even though
Speaker 2: it has led to more conversations. You should still like
Speaker 2: celebrate the win that you had, the conversation you might
Speaker 2: not have had, and put yourself on the back and
Speaker 2: acknowledge that it may not be like a clear linear
Speaker 2: path and to get to the point where you're able
Speaker 2: to like it may always be uncomfortable, and I think
Speaker 2: it probably will because you're a human being uncomfortable to
Speaker 2: have tough conversations with people. But it's like, you know,
Speaker 2: how much time do you spend agonizing over it? Do
Speaker 2: you always get bubble gut? Okay, No, this time I
Speaker 2: didn't get the bubble cut. That time I didn't it
Speaker 2: wasn't in the bathroom for four hours. And like, give
Speaker 2: yourself a pat if you improve a little bit. And
Speaker 2: that's and this is just like the type of thing
Speaker 2: that I've worked on coming back from all the postpartum anxiety.
Speaker 2: Is okay, if I fell asleep, you know, within forty
Speaker 2: five minutes last night instead of four hours, Like that's
Speaker 2: a win, okay, And just mark those little those little
Speaker 2: wins because it isn't as Yeah, it's just not as
Speaker 2: linear as some of the goals like you talked about before,
Speaker 2: you know, working out, et cetera.
Speaker 3: No, that is really good advice. I didn't think about that.
Speaker 1: Like the fact is you had the conversation Tippany, that's
Speaker 1: bigger than most Normally I'd be.
Speaker 3: Like, uh oh I double booked. Hey, hey sis, can
Speaker 3: we talk?
Speaker 1: Oh my god, I would be the master avoid Like
Speaker 1: sometimes Superman will ask me. They're like talk to Supergirl
Speaker 1: about something difficult, like maybe like you know, they've got
Speaker 1: into like an argument. He's a key talk to her,
Speaker 1: so you know, because maybe they're arguing over like you know,
Speaker 1: her not cleaning her room and whatever. She's getting sassy
Speaker 1: and he's a key talk to her, and I'm looking
Speaker 1: at him like to who, I.
Speaker 3: Don't want to talk to a teenager. She's gonna kill me.
Speaker 1: So I'm just yeah, Like it literally permeates every aspect
Speaker 1: of my life, like it's it reached like a fever
Speaker 1: pitch like me to every aspect of my life. I
Speaker 1: could be at the supermarket and be like the person
Speaker 1: that's standing in too close behind me, and I'm like,
Speaker 1: you should really tell them six feet please, And like
Speaker 1: in my inside, I'm like dying.
Speaker 3: I'm like, you should say no, don't say nothing to
Speaker 3: you should say no. Even how did that say?
Speaker 2: He is?
Speaker 3: You can get.
Speaker 1: Like yeah, so it's yeah, So I'm I'm gonna But honestly,
Speaker 1: one thing I like I've learned from you many like
Speaker 1: I absolutely need to get a therapist. I've been saying
Speaker 1: it for a long time anyway, because like you know,
Speaker 1: like I'm typically decent at managing stress. Well, let me
Speaker 1: not say that, because who knows if I don't even
Speaker 1: know if I'm decent. Who knows what decent is? But
Speaker 1: you know, I don't think typically a lot of things
Speaker 1: bring me stress like they used to so I was
Speaker 1: kind of like, I'm good, but I realized, no, I
Speaker 1: would really love tools and resources to manage like you know,
Speaker 1: stress and also tools and resources, because I was asking myself,
Speaker 1: I'm like, I actually don't have the tools and resources
Speaker 1: to navigate this because I, like, I grew up in
Speaker 1: a household, like my parents are really strict, and so
Speaker 1: it was like, you you have to be like walk
Speaker 1: the straight and narrow or else. And so I know
Speaker 1: that a lot of the anxiety comes from what's or else? Mean, Tiffany,
Speaker 1: Like you have to be like in the straight and
Speaker 1: narrow or else, and that's what That's the fear that
Speaker 1: I carry around with me, is this fear of the
Speaker 1: or else. And even though I'm adult now, it's like, well,
Speaker 1: you can't get cut off, you know, you're not nine.
Speaker 1: You're not gonna get a spanking, you know, But I
Speaker 1: still carry that or else fear along with me.
Speaker 3: And I'm just like I want to be able to
Speaker 3: let that go.
Speaker 1: But I know that if you can't build a house
Speaker 1: that you want without the proper tools, and I know,
Speaker 1: it's like, okay, it's pastime, it's time to get the
Speaker 1: proper tools. So I'm actually looking forward to that because
Speaker 1: I'm like, you know, cause I used to go to
Speaker 1: therapy when I was in college because I was like
Speaker 1: so overwhelmed and it was really really, really helpful. But
Speaker 1: I have not gone, honestly since, even though I've said that,
Speaker 1: you know, I've wanted to. It's just been I haven't
Speaker 1: put the effort in, not because I'm opposed to therapy.
Speaker 1: I'm like, ah, next time, next time. So I just
Speaker 1: think that, yeah, I have to make it as important
Speaker 1: as the other things in my life to like find
Speaker 1: a therapist, you know, and I have like great insurance,
Speaker 1: so I know that it would be covered.
Speaker 2: So I'm like, girl, oh the therapist who takes insurance
Speaker 2: like a magical unicorn.
Speaker 3: But they don't take insurance.
Speaker 2: That's part of the problem, is like, and this is
Speaker 2: how I found my therapist. What I found this great
Speaker 2: prenatal yoga studio that actually is like a wellness a
Speaker 2: wellness business that focuses on like post and prenatal massage
Speaker 2: therapy and they have like new mom trainings and they
Speaker 2: did we did all lot of our like infant CPR
Speaker 2: classes there, so it's more than just yoga, and they
Speaker 2: have they refer people to experts in the field like
Speaker 2: they have, like the certain like they have the they
Speaker 2: endorse certain experts. So they endorse these three or four
Speaker 2: different prenatal therapists who could who really specialized with new
Speaker 2: moms or moms who're dealing with anxiety. And but I
Speaker 2: call all of them, and none of them took my insurance.
Speaker 2: But I got referred from them to someone who did
Speaker 2: take my insurance, and I kept interviewing. So it's almost
Speaker 2: it does take work. You have to start calling. Do
Speaker 2: you take this insurance?
Speaker 3: No?
Speaker 2: Do you know someone who does? Cool? And then you
Speaker 2: have to kind of keep calling. And it took me
Speaker 2: maybe a couple of weeks to finally land on the therapist.
Speaker 2: I eventually got, and it's been great. And I just
Speaker 2: a friend of mine had a baby just a few
Speaker 2: weeks ago, and she she had been dealing with a
Speaker 2: lot of anxiety prior to the birth because of the
Speaker 2: COVID situation, and that has continued to plague her just
Speaker 2: the you know, being a new mom's already stressful enough.
Speaker 2: And I was like, listen, I'm happy. I'll ask my
Speaker 2: therapist if she knows anybody near you who's doing And
Speaker 2: this is a This is a good time too, because
Speaker 2: part of the struggle finding a good therapist is, you know,
Speaker 2: they often want to see you in person. But with
Speaker 2: what's going on with COVID, many more well not many more,
Speaker 2: all of them, especially in New York where places are
Speaker 2: shut down, you have to meet virtually, so you may
Speaker 2: be able to, you know, see someone maybe who's not
Speaker 2: who in the commute won't be a factor. You know.
Speaker 2: You know you did that, you found that financial planner,
Speaker 2: and you I.
Speaker 3: Was just thinking about it.
Speaker 2: I was like, that was a whole process.
Speaker 1: What it was a two week problem. I interviewed like
Speaker 1: thirteen people.
Speaker 3: I like, so I'm just I was just thinking.
Speaker 1: I was like, girl, if you could put that much
Speaker 1: effort into finding your financial planner, and like literally I
Speaker 1: had like a spreadsheet and I like this one and.
Speaker 3: This this I did.
Speaker 1: I did all this pre work of what I needed,
Speaker 1: and I mean it was it was probably was like
Speaker 1: a month's worth of work to find and it was
Speaker 1: very overwhelming. But I knew that at the end I
Speaker 1: was going to find the right person, and I did.
Speaker 1: Angelie is amazing. And I was like, well, Tiffany, like
Speaker 1: literally when you said that, I was like, girl, if
Speaker 1: you can put the effort into the finding your financial planner,
Speaker 1: you can certainly put the effort into finding the right therapist,
Speaker 1: because I.
Speaker 3: Think it just would just be so helpful.
Speaker 1: My poor friends could stop hearing me talk about the
Speaker 1: same thing, because when I'm stressed about something, I will
Speaker 1: tell you over and over. I'm like, hey, hey, Brian, yeah,
Speaker 1: so that thing. They're like, oh that thing and we
Speaker 1: talked about yesterday one more again, Oh my gosh, oh
Speaker 1: yeah no, this is honestly, but I was talking me
Speaker 1: Manday's always like always feel like in some of the spaces,
Speaker 1: I'm like, you have like one foot in the door
Speaker 1: of like, yeah, I've been there, done that, working it out.
Speaker 1: This is what I found bringing it back to Tiff.
Speaker 1: So I would appreciate that, just Sharon, what.
Speaker 2: I'll learned, I mean not that I'm and it's always
Speaker 2: what I struggle with is what I'm talking to you about,
Speaker 2: which is under giving myself grace and giving myself a
Speaker 2: break on the path toward improvement, you know, like and
Speaker 2: and adjusting my own expectations for what that success looks like.
Speaker 2: So and it just it's everything I've ever tried to achieve,
Speaker 2: Like weight loss. I've always had been up and down
Speaker 2: with my weight and I'll be like, I'm gonna lose
Speaker 2: forty pounds by you know, three months from now, which
Speaker 2: is not realistic. And it's the same thing with this.
Speaker 2: With the postpartum anxiety, it was I'm going to fix this.
Speaker 2: This is a problem I'm going to solve now, and
Speaker 2: I'm gonna talk to in it. And no, I mean
Speaker 2: I had to start the work for my post part
Speaker 2: of anxiety started back in August when I started to
Speaker 2: see my therapist and I was like, okay, so I
Speaker 2: have you I'm feeling anxious, so we can fix this
Speaker 2: this week, right, And she's like, no, no, we have
Speaker 2: to start the journey, you know. And and I had
Speaker 2: to be patient with myself because I you know, you
Speaker 2: want like quick results and I have to celebrate. And
Speaker 2: I was just talking to the psychiatrist, I see because
Speaker 2: I take a prescription medication to help, and talking to her,
Speaker 2: she also wanted to know, like what are the small
Speaker 2: like what are the improvements that you've seen, and by
Speaker 2: talking through the improvement, No, I'm not perfect whatever that
Speaker 2: idea is. I'm not one hundred percent, you know. Obviously
Speaker 2: I never will be one hundred percent because I have
Speaker 2: a baby now, so I'm a different kind of person.
Speaker 2: But you know, I could measure six and I could
Speaker 2: see by talking and through Oh, I have made, you know,
Speaker 2: big strides and I am doing a lot better and
Speaker 2: I should like celebrate that and not be so stressed
Speaker 2: that I'm not like my own idea of over it
Speaker 2: or you know better, whatever those vague words are.
Speaker 3: That's the thing, like over it and better. You're like,
Speaker 3: I should be better.
Speaker 2: I should be Yeah, because the this is like the
Speaker 2: kids are always going to stress me, like stress you out,
Speaker 2: and work is always going to be stressful for you. You
Speaker 2: run a business like this is going to happen again
Speaker 2: and again, and it's about does it get a little
Speaker 2: bit easier each time? Do you have the tools next
Speaker 2: time so that maybe it's not five conversations, you know,
Speaker 2: it's four instead of you know what I mean anyway,
Speaker 2: And I think it's it's also helpful is to talk
Speaker 2: things out. And I hope that when's the next conversation
Speaker 2: and you already got the mediator in place, right yeah?
Speaker 1: M hm, So I don't I don't have I don't
Speaker 1: have a date for the next conversation yet, but it's
Speaker 1: probably about a week. I just waiting for the mediator
Speaker 1: to just to confirm like that that she's like, yep,
Speaker 1: you know, we're all good to go, and then I'll
Speaker 1: schedule a time that I'm actually looking kind of looking
Speaker 1: forward to. But I like because I'm like, Okay, it'll
Speaker 1: be somebody else there to help navigate the things that
Speaker 1: I want to say, but also to somebody else will
Speaker 1: to help me navigate hearing and listening, you know know.
Speaker 1: So I mean, but like, I feel like there was
Speaker 1: a little bit of movement made today with her, So
Speaker 1: I was like, oh, okay, she is listening and she
Speaker 1: sees that there's something And there was definitely a little
Speaker 1: bit of givet of like, see what you're saying, don't
Speaker 1: fully agree, but wizy, maybe there's some compromise. So there
Speaker 1: was definitely a huh. She was definitely like there's some
Speaker 1: compromise that we can make here. Yeah, and so like
Speaker 1: so at least that that it wasn't like absolutely not,
Speaker 1: which would have been like, you know, well, what do
Speaker 1: we do now? It was like, yeah, that there's some
Speaker 1: compromises that I can see being made here.
Speaker 2: So yeah, growth, growth, you're on your growth, You're on
Speaker 2: your growth ship. You know.
Speaker 3: See that you used to curse, remember back in the day,
Speaker 3: used to like guys that curse, and then you stopped.
Speaker 2: I still, oh you mean on the show?
Speaker 1: Yeah you did, remember you were like, yeah, I'm gonna be,
Speaker 1: you know, cursing every once in a while, a little
Speaker 1: potty mouth here and there.
Speaker 2: But then you just was like, I don't know, if
Speaker 2: you listen to the show, Tiffany, yes, I ask her editor, Ikay,
Speaker 2: it's just who I am. I don't think about it,
Speaker 2: you know. I My mom always had a potty mouth,
Speaker 2: and it's just like whatever. I always look at that
Speaker 2: study that said that people who curse are smarter or
Speaker 2: like handle things better. Yes, anyway, but the day that
Speaker 2: Rio starts mimicking what I say, that's when I'll have
Speaker 2: to tighten it up. But I'm really just like letting
Speaker 2: it all hang out now.
Speaker 1: And you and you'd be surprised, because like Superman is
Speaker 1: a cursor, like just for no reason, destonible reason. And
Speaker 1: I remember when I first met him, and I remember
Speaker 1: looking at his daughter at the time, she was like
Speaker 1: five or six. She didn't curse, and I'm like, well,
Speaker 1: how come you have potty mouth? Like you know, he's
Speaker 1: not a cursor, like an angry cursor. It's just like
Speaker 1: you know, like you know, like you might say, hey, Supermer,
Speaker 1: what's up today?
Speaker 3: You know, shit, that's just.
Speaker 2: Seeking me, Like I'm the opposite of that. Happy curs
Speaker 2: are interesting, so like, yeah, it's just a bullshit.
Speaker 3: I just hanging out.
Speaker 1: So I was actually really shocked that she, like Supergirl
Speaker 1: did it curse. I was like, well, how come she
Speaker 1: doesn't curse and you curse? And he was like, oh,
Speaker 1: she knows better. I'm like yeah, but I don't how
Speaker 1: does that work out? I don't even know how he
Speaker 1: managed that, like to this day, at least not he.
Speaker 1: I'm sure she's a teenager now, so I'm sure she's
Speaker 1: potty bathing it up with her friends.
Speaker 3: But I thought at least an adult company.
Speaker 2: I thought God would furnish me if I curse. When
Speaker 2: I was little. I don't know who taught me that
Speaker 2: in the TV. I don't know. But when I found
Speaker 2: out that I wasn't going to get smited or hit
Speaker 2: with the delighting bolt, it just all it all happened.
Speaker 3: That was smite, smite, smite, Hey, real quick.
Speaker 2: I wanted to cut you up on my dad's situation
Speaker 2: because I know I talked about him losing his job
Speaker 2: and he lives in Georgia and he we had been
Speaker 2: my brother and I kind of tagged taming to figure
Speaker 2: out his unemployment benefits. And for a lot of people
Speaker 2: in different states, like my dad, like it's taken weeks
Speaker 2: for him to get his first unemployment check. He finally
Speaker 2: got it, and then he had to wait in additional
Speaker 2: couple of weeks to get that extra six hundred dollars
Speaker 2: stimulus like unemployment check, and I just wanted to let
Speaker 2: people know, like if you've been waiting on it, I
Speaker 2: would say. One thing that helped is that we went
Speaker 2: to the Department of Labor's Facebook page, and honestly, there
Speaker 2: was more feed there's more information from their social media
Speaker 2: team on their Facebook page than there was on the
Speaker 2: actual website or trying to call, and it was one
Speaker 2: of those things where you do you think you're doing
Speaker 2: all the things, and you're calling and you're like stressing.
Speaker 2: And my brother and I were talking about it and
Speaker 2: like I would be on social trying to like piece
Speaker 2: together an explanation from different comments that the social media
Speaker 2: person had left and then all of a sudden, it
Speaker 2: just showed up in his bank account one day. And
Speaker 2: I'm like, it probably would have showed up without us
Speaker 2: stressing about it. But of course you want to think
Speaker 2: you can control things. But it's good finally that he's
Speaker 2: getting his unemployment benefits and his job he works for.
Speaker 2: The transit authority in Atlanta has asked him to come back,
Speaker 2: but like at limited hours, and he's decided not to
Speaker 2: do it because they're not like it just would still
Speaker 2: be unsafe. He's getting passages on a bus, you know,
Speaker 2: it just isn't and he's got existing pre existing conditions
Speaker 2: and and all that. But just wanted to acknowledge that
Speaker 2: there's still people out there who's struggling. And you know,
Speaker 2: if you haven't gotten your benefits or you have questions,
Speaker 2: you know, you always can send us a note at
Speaker 2: Brand Ambition Podcast at gmail dot com and maybe we
Speaker 2: can help point you to some resources, if anything in
Speaker 2: your state. But let us know if you're if you're struggling,
Speaker 2: or if you need anything. I'd love to hear how
Speaker 2: you guys are coping with you know, everything that's going on.
Speaker 3: Yeah, that would be great because my dad called me yesterday.
Speaker 3: He's I have still I have not gotten my money.
Speaker 2: Oh is he waiting on the what's he waiting on
Speaker 2: the stimulus? Wait? The stimulus? So the one time like
Speaker 2: payment twelve Okay, yeah, my dad, No, I forget if
Speaker 2: you got that or not. So yeah, he What happened
Speaker 2: was unemployment benefits. They so you got you're eligible for,
Speaker 2: like if you lost your job, you'd be eligible for
Speaker 2: unemployment benefits. On top of that, they added an additional
Speaker 2: six hundred dollars through the end of July for workers
Speaker 2: out of work. That's what the Cares Act provided. And
Speaker 2: then separate from that, there is a twelve hundred dollar
Speaker 2: stimulus check that you got based on your income, which
Speaker 2: is like a separate thing. Yeah, and it's left to
Speaker 2: be it's left to be determined if they're going to
Speaker 2: be extending this or doing it again. I mean yeah.
Speaker 2: A girlfriend of mine texted me today to let me
Speaker 2: know that her job said they will not be reopening
Speaker 2: until September, the day after Labor Day or the week
Speaker 2: after Labor Day at the earliest. And she works in
Speaker 2: New York City. Yeah, so I'll just feeling summer Summer
Speaker 2: twenty twenty is just like canceled, what just gone?
Speaker 1: You know? The kids like so Governor Murphy, the governor
Speaker 1: of my state, just posted on ig either yesterday or
Speaker 1: today just saying, hey, so school's closed.
Speaker 3: For the rest of the school year. So these babies
Speaker 3: ain't go mac.
Speaker 2: I'm like, okay, journey right, yeah.
Speaker 1: Yeah, I don't know what to do. Like Supergirl, I
Speaker 1: guess we'll get her some tutor.
Speaker 2: I mean she's been Does that mean no more virtually
Speaker 2: they're still doing E learning right or does that mean
Speaker 2: like that stuff? Okay, okay, so that's not going back exactly,
Speaker 2: but still it's so light.
Speaker 1: So the way it works, at least for a Supergirl
Speaker 1: in her school is that every morning at eight am
Speaker 1: she gets class work schoolwork, and she has to be
Speaker 1: completed by eight pm. But then at three at two
Speaker 1: forty five to like three forty five or like an
Speaker 1: hour to two hours, she has to log in the
Speaker 1: zoom for a lesson. But I'm like, you usually are
Speaker 1: in school all day, so how are you getting all
Speaker 1: that you need with like this like one or two
Speaker 1: hours worth of visual lesson? And then you know, like
Speaker 1: just like here's some work to do.
Speaker 3: I don't know so.
Speaker 1: And meanwhile, she's going to ninth grade. So that's the
Speaker 1: big worry because she's headed to high school. So it's like,
Speaker 1: is she going to be ready? I mean we're fortunate
Speaker 1: in that, you know, obviously we can pay for tutor
Speaker 1: and things to make sure she's good. Because here at
Speaker 1: New York, you have to place into the high school
Speaker 1: that you want. You have to take a test, and
Speaker 1: she got into a really good high school, so you know,
Speaker 1: you we want to and it's very competitive and it's
Speaker 1: not going to be easy, although she's been a good student,
Speaker 1: but still for that, you know, second, for the last
Speaker 1: quarter of your eighth grade year not to have like this,
Speaker 1: like traditional instruction, and then we'll see what happens in
Speaker 1: September to go to school, to high school at that
Speaker 1: So there's some worry there. I think about other parents
Speaker 1: who might not be able to afford tutoring.
Speaker 3: What do they do?
Speaker 2: You know, well, at least there's comfort in knowing that
Speaker 2: your kid's not the only kid who's behind, like and
Speaker 2: you hope that. And our cousin is a high school
Speaker 2: principal in Manhattan, and she's talked about they are having
Speaker 2: conversations around do you, especially with younger kids, like do
Speaker 2: you hold them back a little bit so that they
Speaker 2: don't they're not so far behind, or do you plan
Speaker 2: to catch up on stuff at the beginning of the
Speaker 2: year to acknowledge like what they might have missed at
Speaker 2: the end of the year. And I hope that, you know,
Speaker 2: the hope the school systems will figure out a way
Speaker 2: to not make it so that kids like Supergirl come
Speaker 2: into school feeling they're so far behind, Like they can
Speaker 2: adjust the course a little bit so that they can
Speaker 2: catch up if you know they need to at all. Man, Yeah,
Speaker 2: it's it's it's hard enough with the baby, but like
Speaker 2: having kids in school. Bless bless all of you guys
Speaker 2: with the with the children who can ask questions and
Speaker 2: needs to be I know, wet's just speaking of questions.
Speaker 2: Should we take a quick break and then come back
Speaker 2: and see what we got going on?
Speaker 3: We sure sued.
Speaker 2: Alrighty okay, y'all, thank you so much for sending in
Speaker 2: your questions, not only your questions, but your fun. Little
Speaker 2: someone I forget her name. She she sent us a
Speaker 2: message on Insta saying, remember last week I told you
Speaker 2: we were talking about guilty pleasures and I mentioned the
Speaker 2: show that I'm watching on Netflix. I'm testing you, tif
Speaker 2: do you remember what it is?
Speaker 3: You know, I have the memory of an eight year
Speaker 3: old girl. I don't remember.
Speaker 2: It's real weird Casketeers on that price.
Speaker 1: If I'm at another country where it's like this Polynesian.
Speaker 2: Yes, oh girl, I thought you. I felt you digging
Speaker 2: and you struggled. Yeah, so it's a it's a it's
Speaker 2: a fabulous show on Netflix about a family who runs
Speaker 2: a funeral home in New Zealand or Polynesian anyway. One
Speaker 2: of our listeners was like, I squealed when you mentioned
Speaker 2: the Casketeers. I love that show and I'm just so
Speaker 2: glad that there's another weirdo out there who listens to
Speaker 2: our show. So thank you to you whose name I
Speaker 2: don't remember. And again people have been commenting. I've been
Speaker 2: I've been posting more than usual, just like day to day.
Speaker 2: I'm trying to like document life in quarantine, parenting and quarantine.
Speaker 2: I just part of me just doesn't want to forget. Well,
Speaker 2: it's almost like I'm living I'm imagining, like telling grandchildren
Speaker 2: or like wanting to remember this time in our history.
Speaker 2: And so I'm trying to document more of it, and
Speaker 2: people have Brown Ambition listeners who usually just message us
Speaker 2: on our BA account have found my personal one and
Speaker 2: have been. I really have been. It's been helping me
Speaker 2: to hear from y'all when I post like my parenting
Speaker 2: foibles or you know, the working from home with the
Speaker 2: baby stuff, and it helps me to know that you
Speaker 2: guys are out there and that that you're liking when
Speaker 2: I share that stuff. I'm I'm happy to make a
Speaker 2: fool of myself.
Speaker 1: I love how Rio just be looking at the camera,
Speaker 1: like what, he's so adorable with that hair, it's a.
Speaker 3: Little yeah, these cheeks.
Speaker 1: I'm like, oh, God, knew exactly way, who's doing making
Speaker 1: baby so cute?
Speaker 3: Because you're like, you.
Speaker 2: Know what if it wasn't so cute, God help an
Speaker 2: ugly baby, because like I'm just kidding. I'm just kidding.
Speaker 2: We don't know. Listen, we're Enrique has this coffee cup
Speaker 2: with Rio's baby his newborn picture on it, and I'm
Speaker 2: looking at like he was a lot cuter in my memory.
Speaker 2: Like love is blind. But let me pop into these
Speaker 2: questions real quick again. Y'all can hit us up on
Speaker 2: the gram where Broad Ambition Podcast on Instagram. You can
Speaker 2: also find us if you just want to email us directly.
Speaker 2: It's brund Ambition Podcast at gmail dot com. Our first
Speaker 2: question I've lost to Google doc come to me. Our
Speaker 2: first question comes from listener who just wants to be
Speaker 2: referred to as D. She says, I'm a huge fan
Speaker 2: of the show. I listen while working every week. I'm wondering,
Speaker 2: since federal student loan payments have been waived until the
Speaker 2: end of September thanks to Congress the Stimulus Package the
Speaker 2: Cares Act, what do you guys think I should do
Speaker 2: with the money that would normally go toward my student
Speaker 2: loan each month. Right now, my student loan balance is
Speaker 2: twenty seven thousand. Fortunately I'm still employed full time. Right now,
Speaker 2: I'm using half of my stimulus funds. So she's gotten
Speaker 2: that twelve hundred dollars check we talked about to pay
Speaker 2: off credit card debt. I have a car note and
Speaker 2: a personal loan and about two thousand dollars saved in
Speaker 2: an emergency fund. Issue is she doesn't tell us how
Speaker 2: much she's saving with her student loan payment, but like
Speaker 2: for her own purposes, licious to imagine it's a few
Speaker 2: hundred dollars. If her you know, for her balance is
Speaker 2: twenty seven thousand dollars, I can imagine it's a few
Speaker 2: hundred dollars a month that she's wondering what should she
Speaker 2: do with it?
Speaker 1: Any thoughts here, Yes, only because I suspect that her
Speaker 1: life does she say where she.
Speaker 2: Lives, She does not disclose her location.
Speaker 1: Nope, So I suspect that her life costs her more
Speaker 1: than two thousand dollars a month, because that's how much
Speaker 1: she has in savings, right her emergency saves. Yes, So
Speaker 1: my concern is during times like this, I really I mean,
Speaker 1: I cannot preach this enough to be having a strong
Speaker 1: cast position saving savings savings.
Speaker 3: Normally, you know, me and Landy are like no debt,
Speaker 3: no way away.
Speaker 1: But during times that look like what's shaping up to
Speaker 1: be a recession, I really want you to have enough savings.
Speaker 1: Although I'm glad that your job is still intact, there's
Speaker 1: no no job is guaranteed. One sickness can happen to
Speaker 1: anything can happen during times like these, So I would
Speaker 1: much rather if it was me, even though I would
Speaker 1: normally say, well, girl, put it toward your student loan debt.
Speaker 1: Because right now it's going to go total totally toward
Speaker 1: the principle. But now I'm like, no, put it in
Speaker 1: an online only savings account and going to Magnify money,
Speaker 1: find one that gives the highest interest rate and has
Speaker 1: an A rating. And that's what I would say. I
Speaker 1: would put my money there, because I want you to have,
Speaker 1: you know, at least a few months of expenses of
Speaker 1: your most essential expenses saved, just to be on the
Speaker 1: safe side in case something should happen down the line
Speaker 1: while we're still in these like down economic times.
Speaker 2: Yeah, and she mentions, well, she mentions a couple of
Speaker 2: other loans that she has. She has a personal loan
Speaker 2: and a car note. So I mean, I agree with Tiffany,
Speaker 2: like I would beef up that emergence fund. But if
Speaker 2: you're you know, if your car note and your personal loan,
Speaker 2: if you could maybe put a little bit of that
Speaker 2: extra money towards those debts to pay them off, especially
Speaker 2: that personal loan, you know, that could be a good
Speaker 2: use of the money. But and at the same time,
Speaker 2: maybe put part of it away for your savings to
Speaker 2: beef it up. You know, it doesn't have to be
Speaker 2: all or nothing.
Speaker 3: Mm hm. No, it doesn't.
Speaker 2: Yeah, but that's that's and I'm glad it's like, that's
Speaker 2: the point of them making it so that you don't
Speaker 2: have to make your federal student loan payments for the
Speaker 2: next How many months is it till September seventy five
Speaker 2: or four? I can't think, it seems like forever away.
Speaker 2: It's to give you guys some extra wiggle room. And yeah,
Speaker 2: to be saving it and using it to pay down
Speaker 2: debt is exactly you know, the right way of going
Speaker 2: about it. Yeah, all right, d thank you for your question.
Speaker 2: Let's take we have like some one syllable questions today.
Speaker 2: This one comes from listener who wants to go by
Speaker 2: the low Low says, I love the show. I have
Speaker 2: reached my emergency savings goal of twenty thousand dollars recently,
Speaker 2: and I decided I don't want to invest more than
Speaker 2: I already am into my four oh one K during
Speaker 2: these turbulent times, so I started looking into money market accounts.
Speaker 2: Could you tell me what are some of the pros
Speaker 2: and cons of putting your money in a money market account?
Speaker 2: Thank you, low oh low oh?
Speaker 3: I know no, lo lo lo, what lo lo?
Speaker 1: Your money's gonna stay on the lo loo if you
Speaker 1: don't invest out.
Speaker 2: Yeah, well, money markets are like, first of all, there's
Speaker 2: nothing special about money market accounts. They're basically a savings
Speaker 2: account that you have check writing abilities, and it's not
Speaker 2: and maybe you get a bit card, but then why
Speaker 2: not just get a checking account. And I mean I
Speaker 2: haven't checked their rates recently, but they're really not great.
Speaker 2: Either they're worse than or they're just as good as
Speaker 2: a regular ass savings account. So there's really not a
Speaker 2: there's not a benefit to a money market account. And
Speaker 2: when it comes to not wanting to invest, so let's
Speaker 2: unpack that. So you've reached your emergency savings goal of
Speaker 2: twenty K. That's fabulous and I mean that sounds significant,
Speaker 2: that sounds great, and now you're looking at okay, so
Speaker 2: the market is down. I have a four oh one K.
Speaker 2: Should I be putting extra money that I would have
Speaker 2: been putting in my emergency savings into the market or
Speaker 2: should I be more conservative and put it into a
Speaker 2: deposit account such as a money market fund. I know
Speaker 2: it seems counterintuitive, but I and we talked about this before,
Speaker 2: and again we're not investing experts. We just share, you know,
Speaker 2: the knowledge that we have from our own experience. I
Speaker 2: try and think of this time as like a clearance sale,
Speaker 2: and I try and think of a clearance sale on stocks.
Speaker 2: So stocks are largely down, although they have if you
Speaker 2: look at your four one k like I did recently,
Speaker 2: my four one k is not almost back to where
Speaker 2: it was, but it's on the way back. It's pretty
Speaker 2: it's definitely one of its way back. It's only been
Speaker 2: a few months. I try and think, now is the
Speaker 2: time when you want to be investing. If you are
Speaker 2: hopeful about the future, if you have a long time horizon,
Speaker 2: if you're especially like if you're someone in your thirties
Speaker 2: or forties right now or younger, you certainly have a
Speaker 2: few several decades ahead of you to whether not just
Speaker 2: this economic crisis, but maybe a couple more. And I
Speaker 2: personally increased my four to one K contribution and it
Speaker 2: did feel a little counterintuitive, but it really makes sense
Speaker 2: because the money that you invest now, you'll be able
Speaker 2: to get more for it than you would have normally,
Speaker 2: and then when the market does bounce back, those investments
Speaker 2: will grow and you should be better off in the
Speaker 2: end than if you didn't invest anything.
Speaker 3: That's the hope.
Speaker 2: Of course, nothing certain, but as a recession maybe myself,
Speaker 2: I who started to save before and one K right
Speaker 2: after the recession hit. I'm so grateful that I did,
Speaker 2: and I think we will. You just have to look
Speaker 2: at what history has shown us, which is that the
Speaker 2: market will recover. This is also a very different recession.
Speaker 2: This is a self inflicted recession. We will reopen the economy.
Speaker 2: It may take a while, but already the market has
Speaker 2: started to go up. And I think I definitely maybe
Speaker 2: put it in an online Savan's account if you really
Speaker 2: just want some security or a CV. We've talked about before,
Speaker 2: but there's no point in a money market. I'm in
Speaker 2: my opinion, yeah right, Like, well I want and this
Speaker 2: is low right, so low.
Speaker 1: So here I get it because I'm totally you where
Speaker 1: I'm like, investing scary, scary, But to Mandy's point, if
Speaker 1: you've got ten or more years and you should look
Speaker 1: at investing as a long term activity. So there's something
Speaker 1: called dollar cost averaging. So this is what I suggest,
Speaker 1: is what I'm leaning into. So dollar cost averaging is when,
Speaker 1: if you're an investor, you have money to invest, you
Speaker 1: divide up. Let's just say you have, you know, a
Speaker 1: thousand dollars that you don't put a thousand dollars into
Speaker 1: the market today. Then instead you say, huh, you know what,
Speaker 1: I'm going to divide one thousand dollars times ten months,
Speaker 1: and I'm going to put one hundred dollars into the
Speaker 1: market the first of every month, and as the market
Speaker 1: goes up and down and up and down. Into the
Speaker 1: market could mean your retirement account. It could mean opening
Speaker 1: up a target date fund or a mutual fund, or
Speaker 1: investing in indexes.
Speaker 3: But if you do that, if you.
Speaker 1: If you consistantly put money away for an investing, this
Speaker 1: is dollars cost averaging. It means that there'll be some
Speaker 1: days that you put money in and your money goes down,
Speaker 1: and there'll be some days you put money in and
Speaker 1: your money goes up, and the ups and downs will
Speaker 1: average out to a basic return. So that's what I
Speaker 1: would lean into that. If you like, I'm assuming that
Speaker 1: if you're putting money, if you reach your twenty thousand dollars,
Speaker 1: that you didn't reach the twenty thousand dollars and one
Speaker 1: lump sum that let's just say you were saving five
Speaker 1: hundred bucks a month, you know, and you're like, okay,
Speaker 1: I don't need any more additional savings. So I would
Speaker 1: be putting that five hundred bucks a month consistently. And
Speaker 1: you will see over the next ten years or so
Speaker 1: that you know, yes, there will be sometimes your money
Speaker 1: has gone down and sometimes it's gone a wagh up,
Speaker 1: but it will average out to an up over time.
Speaker 1: That is what the market teaches us. And so you
Speaker 1: actually lose money, like, don't be like me. I was
Speaker 1: such a quarter of cash, Like I can only imagine
Speaker 1: in the last ten years how much money I actually
Speaker 1: lost by saving so much in cash. I mean, I
Speaker 1: had so much saved in cash. The house I'm sitting
Speaker 1: now I bought with cash. You should not have that
Speaker 1: much take like I should not have had that much saved.
Speaker 1: And I knew it was my fear, even though like
Speaker 1: my brain was like Tiffany, you don't need this much save,
Speaker 1: this is crazy, but my heart was like a scant up,
Speaker 1: scanted up, scared.
Speaker 3: I don't want to put it. I don't want to
Speaker 3: lose it. I don't want to lose it.
Speaker 1: So I ended up, like I said, buying a house cash,
Speaker 1: which is honestly, that's great in all but you know,
Speaker 1: I lost out in the long run by not giving
Speaker 1: my money a chance to grow, and so that's what
Speaker 1: I want for you. So do your googles dollar costs averaging,
Speaker 1: which just basically means that you just put money in. Basically,
Speaker 1: it's almost like drip marketing. You just drip drip investing.
Speaker 1: You just drip drip drip your money in consistently over time,
Speaker 1: and then you will see consistently over time that the
Speaker 1: good times and the bad times will weigh out to
Speaker 1: decent times over time.
Speaker 2: Yeah, definitely one hundred percent, and with twenty k in
Speaker 2: the bank. I mean, if you want someone to help,
Speaker 2: a financial planner can help you decide. Like pecially my
Speaker 2: financial planner, she helped me strategize I didn't do. I
Speaker 2: didn't start saving, like putting everything into the market and
Speaker 2: his stocks. We were like a little bit conservative. So
Speaker 2: for shorter term goals, we opened a couple of CDs
Speaker 2: and then we put extra money into our IRA. Like
Speaker 2: there's different levels, you know, but money markets again, like
Speaker 2: you might as well just put money into your savings account.
Speaker 2: It'll be it'll do just as well, if not better
Speaker 2: than a a money market. While we're on the subject.
Speaker 2: We had another We had a similar question from a
Speaker 2: listener essentially wanting to know. Okay, so if now it's
Speaker 2: a good time to invest, how do I start? And
Speaker 2: this is from a listener, what does she want to be?
Speaker 2: Remain anonymous? Where did it go? I swiped on my phone? Oh,
Speaker 2: here we go. Let's see from Instagram. Let's just call
Speaker 2: her too too, because I see that in her instant
Speaker 2: name and I don't know how to pronounce the rest
Speaker 2: of it. I love she's saying, it's now a good
Speaker 2: time to invest. I want to take advantage of the
Speaker 2: discounted prices that you guys talk about on the show.
Speaker 2: And by discount she means like when I say clear
Speaker 2: and sale. But there is a lot of information overload
Speaker 2: in the book time reading, and it's hard to know
Speaker 2: when you're really truly ready to jump in and when
Speaker 2: you're a novice investor. Thanks, and i'd like I made anonymous.
Speaker 2: Well it's okay because I didn't use your real name.
Speaker 2: So yeah, so similar, So okay. So people like her
Speaker 2: who you know, Oh, they want to jump in. It's
Speaker 2: like trying to jump in and during a game of
Speaker 2: double Dutch, like you're trying to like anyway sender lost fellow, Okay,
Speaker 2: anyway you.
Speaker 3: Could, I could just see you walk it back and
Speaker 3: for you like, oh wait.
Speaker 2: Okay, yeah just jump just jump but jump into like
Speaker 2: you know, jump in with your toe Like well, anyway,
Speaker 2: I've been talking a lot, Tiff. What would you say
Speaker 2: to this?
Speaker 1: I honestly this, So this is what I would say.
Speaker 1: I would say, look into index funds. So if you
Speaker 1: now is not the time to be like, oh, I'm
Speaker 1: a start picking stocks I because you're not going to
Speaker 1: know and even if you happen to luckily pick a
Speaker 1: stock that goes up. Look, let's just say like Beyond
Speaker 1: Meat did really great today, right, and you pick a
Speaker 1: stock you're like woo. But if you haven't followed, like
Speaker 1: what made Beyond Meat a good stock? You know, what
Speaker 1: are their profits versus their dead are?
Speaker 2: You know?
Speaker 1: Are they using their cash effectively? Like who's running the company?
Speaker 1: So to understand why a stock actually went up, it's
Speaker 1: like buying a house without getting an inspection, like why
Speaker 1: is this house a good house? So then I wouldn't
Speaker 1: be purchasing individual stocks unless you were going to like
Speaker 1: take a course and learn more about how to properly
Speaker 1: do so if you don't not to do anything else,
Speaker 1: you can invest in the in an index. So you
Speaker 1: can invest in an index almost like as a as
Speaker 1: a stock. That's called that ETF. That's you can I
Speaker 1: don't remember some of the symbols like boo, there's some symbols. Well,
Speaker 1: you can literally just google ETF index funds. And so
Speaker 1: an index fund is just a like the S and
Speaker 1: P five hundred, the Dow, the what is it? What's
Speaker 1: some other indexes? I always sent the smp F one hundred,
Speaker 1: the well.
Speaker 2: The standards like the SNP is kind of like when
Speaker 2: you're opening up an index fund, this is most likely
Speaker 2: the index that it'll track against. And you can start
Speaker 2: with anything like and I think even for a novice,
Speaker 2: it's almost like where to open an account at. You can
Speaker 2: open an account at Vanguard, at Fidelity, at your local
Speaker 2: your bank might have an investing platform like you. There's
Speaker 2: a bunch of like low cost brokerage accounts out there.
Speaker 2: Open up individual I RAY account or sorry, an IRA
Speaker 2: account or like a brokerage account, which are a little
Speaker 2: bit different. I can post a helpful article on this too.
Speaker 2: I know you said you're overloaded by reading, but you
Speaker 2: want to understand a little bit the type of account
Speaker 2: that you're getting once you're in there. If you really
Speaker 2: just want hands off, you can do like a target
Speaker 2: date fund, which is a type of mutual fund that
Speaker 2: tracks you pick the target day fund that matches when
Speaker 2: you think you'll retire, and then it just invests for you.
Speaker 2: I have a target day fund in my four to
Speaker 2: one k. It's worked out beautifully for me. I don't
Speaker 2: have to think about it, and it's just grown because
Speaker 2: it's very heavily invested in stocks now and it will
Speaker 2: get conserve more conservative as I get older target date.
Speaker 2: Yes that being said, like I was talking to my
Speaker 2: cousin yesterday and a banana who I love. How old
Speaker 2: is she now? Like too old to be called Anna Banana?
Speaker 2: But whatever? Twenty one, twenty two and she's been She
Speaker 2: has been playing around with some investing apps like Acorns
Speaker 2: and Stash, and there are these robo advisors that can
Speaker 2: also be like an entryway into investing, and ultimately it's
Speaker 2: it's kind of the same thing. They help you invest
Speaker 2: in index funds like diversified mutual funds, which is you know,
Speaker 2: they kind of take the guesswork out of it. For you.
Speaker 2: So it's almost a question of would you rather pick
Speaker 2: the brokerage account you want and do the work of
Speaker 2: setting up your account through them, which takes a little
Speaker 2: bit of research, or you can use a robo advisor,
Speaker 2: which takes even less of the guestwork out of the
Speaker 2: whole investing thing. Just to get your feet wet, I
Speaker 2: mean those are so I think we talked about acorns before,
Speaker 2: I forgetting like.
Speaker 1: It's like acorns, there's some well that's not really that well,
Speaker 1: I guess the oh betterment wealth front and you look
Speaker 1: like when it comes to index funds, like at a
Speaker 1: wealth like at a Vanguard or a chop Swab or
Speaker 1: a fidelity, they usually almost all of them have something
Speaker 1: called a total market fun meeting. Basically you're buying like
Speaker 1: a slice of what the market is doing. So as
Speaker 1: the market goes up, your money goes up. As the
Speaker 1: market goes down, your money goes down. And over time,
Speaker 1: the market goes up over time. And so if you
Speaker 1: don't know how to do anything else, like yeah, getting
Speaker 1: your like investing in an index fund and looking at
Speaker 1: a total market fund, and that's the most set it
Speaker 1: and forget it that you can get and know that
Speaker 1: in a ten year span, the likelihood is is your
Speaker 1: money is going to grow without any interference from you.
Speaker 1: Like if you're wanting to learn about stocks and this
Speaker 1: and that, then do that, But you know, not now.
Speaker 1: I don't think it's almost like you know, you're learning
Speaker 1: how to fly the plane on your way up. It's like, uh,
Speaker 1: now's up the time. Now's the time to be able
Speaker 1: to figure out how to autopilot, and then you know,
Speaker 1: when you're safely on the ground, take your take your
Speaker 1: flight lessons, Like don't take flight lessons like the day
Speaker 1: of your first flight, because you're guaranteed to lose money
Speaker 1: that way.
Speaker 3: I think.
Speaker 2: Anyway, Yeah, and I also think, like anyone who's thinking
Speaker 2: about starting to invest, I just say, just do it
Speaker 2: the easiest way possible. Just that, like, get a small
Speaker 2: win now rather than wait to be an expert. You're
Speaker 2: reading books. I think that's you don't even have to
Speaker 2: read all those books, to be honest, and reading those books,
Speaker 2: you're kind of like you could just open a target
Speaker 2: date fund and just start putting like five hundred bucks
Speaker 2: a month or however bunch you can afford into that
Speaker 2: target date fund, and then you can do additional research,
Speaker 2: like Tiff said, and learn how to do more more
Speaker 2: nuanced investing, or maybe buy some individual stocks if you
Speaker 2: have money to play around with. But for now, it's
Speaker 2: just like just start now. If you're if you're new,
Speaker 2: if you're just getting a new job and you're opening
Speaker 2: up your first four to one K, this is great
Speaker 2: because you're again the money that you're contributing. Now. If
Speaker 2: you contribute one hundred dollars to your four to one
Speaker 2: K today, when stocks are lower than they were a
Speaker 2: year ago, that one hundred dollars can buy you more. Right,
Speaker 2: So if those stocks that you buy end up increasing
Speaker 2: in value, well you've got a bigger return on your
Speaker 2: investment because you bought low. You can't plan for this
Speaker 2: kind of thing, but I would say if you, if
Speaker 2: you have like we said before, if you have time
Speaker 2: on your side, and you can handle a little bit
Speaker 2: of risk now. And again we're not investment experts. We're
Speaker 2: just like I'm just someone who's opened a four one
Speaker 2: K after the last recession and saw great things happen.
Speaker 2: I would say, yes, just start and don't overthink it.
Speaker 2: Which people, especially women, we like to feel like we
Speaker 2: understand something entirely before we jump in, and you could
Speaker 2: just set yourself up, you know, to miss out on
Speaker 2: potential returns by you know, waiting until you are an
Speaker 2: expert to dipe in.
Speaker 1: Exactly, exactly exactly as my husband, my husband, my sister's
Speaker 1: husband would say, exactly.
Speaker 2: Since you brought that old chest no out exactly.
Speaker 3: Oh well, so it's time for a boosts. Oh breaks,
Speaker 3: you're gonna boost, You're gonna break, You're gonna boost a break. So, yeah,
Speaker 3: you gotta boost. Are you gonna break? Hi, I'm gonna
Speaker 3: let you go first.
Speaker 2: Oh, you know you're gonna let me go first. Thank you.
Speaker 2: I could tell, I can always tell on how you
Speaker 2: deliver it, whether or not I'm gonna go first or
Speaker 2: I'm gonna go second. I'm gonna do a boost for
Speaker 2: my sister and my brother and for myself for letting
Speaker 2: them help me, because in my pandemic parenting lifestyle right now,
Speaker 2: I usually am always leading the charge for like group
Speaker 2: gifts for our mom, group gifts for birth for the dad,
Speaker 2: for the birthday, like for Father's Day, Mother's Day, that
Speaker 2: kind of stuff. I just don't have the brain power
Speaker 2: of bandwidth. I thought Mother's Day was two weeks from now. Okay,
Speaker 2: it's it's come and listen. And if you're listening to
Speaker 2: this Wednesday morning, it is this Sunday, Like I should
Speaker 2: know this. I'm actually a mom this year. Anyway, but
Speaker 2: thank God for my sister because she arranged flower my
Speaker 2: mother listened to the show, she arranged flowers for my mom,
Speaker 2: and I had part of my identity is sort of
Speaker 2: like wrapped up in being the one who takes care
Speaker 2: of shit in the siblings group, you know, and I've
Speaker 2: just had to let it go and let my brother
Speaker 2: and sister step up. And it was the same story
Speaker 2: around my mother's birthday last month. When we did we
Speaker 2: wanted to compile all these video messages from all of
Speaker 2: her loved ones across the country, friends, since she hasn't
Speaker 2: seen since college and you know, from her early working days.
Speaker 2: And I was like, I'm going to edit it and
Speaker 2: I'm going to collect all the video snippets. No no, no,
Speaker 2: no no no. Very quickly I learned I needed to
Speaker 2: ask them for help. And anyway, it's a small thing,
Speaker 2: but if you guys can ask for help from siblings,
Speaker 2: I've and it's brought us so much closer together that
Speaker 2: I've like been open to having them help more and
Speaker 2: I love them so so much and I feel so
Speaker 2: blessed to have them here to help me keep it together.
Speaker 2: And I just don't know where. I just don't know
Speaker 2: where I be right now without my brother and my sister.
Speaker 2: And I just wanted to boost that boost family, boost
Speaker 2: the help, and boost me for asking for it, which
Speaker 2: we all know I have struggled to do in the past.
Speaker 2: And that's why I have my mommy wrist and my
Speaker 2: wrist is an embrace because I literally didn't ask for
Speaker 2: help with the baby for a very long time and
Speaker 2: now I'm paying for it.
Speaker 3: Oh yeah, So I'm going to wait. Did I talk
Speaker 3: about Own last week?
Speaker 2: Own, like the Own network? Yeah? No, what about it?
Speaker 3: Okay? I literally had the worst Mammy. I'm like, we're
Speaker 3: gonna talking about it. So I am going to do
Speaker 3: a boost because.
Speaker 1: So now that the press release is are I can
Speaker 1: finally share because I said India, I'm like, can I share?
Speaker 1: So a few weeks ago, this production company that we
Speaker 1: all know. We've seen this production company's name flash across
Speaker 1: the screen many and many times, we sat and said,
Speaker 1: how interest in doing this show or being a guest
Speaker 1: on a show with Ayana Bonzan and I was like, what, so,
Speaker 1: Ayana Bonzan.
Speaker 2: Shud I know who that is?
Speaker 3: So misfix your life?
Speaker 2: Should I know who that is?
Speaker 1: Oh my gosh, I need to do your googles. And
Speaker 1: Yawa Banza she's a she is one of the protogees
Speaker 1: of Oprah. I'm sure she'd be like, girl, I'm not
Speaker 1: her protegee. But it's like, so that's that's how sasty
Speaker 1: she is. So it's Ayana, like you know how like
Speaker 1: so Oprah, these are like her main people that she's
Speaker 1: kind of like brought on board, right, So it's like
Speaker 1: doctor phil doctor I thought you're right?
Speaker 2: Are you right here for doctor Philer oz anymore?
Speaker 3: No, we're not.
Speaker 1: I'm just saying that, like this is like, you know
Speaker 1: how like Oprah brought these people.
Speaker 2: So like, yes, yes, she's given them her gifts, she's
Speaker 2: given them her shine.
Speaker 1: Yea is one of that can't but you never had
Speaker 1: to fix her fix your life. That's like a it's
Speaker 1: like huge because it's like everybody has jokes about it.
Speaker 2: Anyway, Sorry, that's fine. So you didn't know about the Casketeers,
Speaker 2: but I forgave you.
Speaker 1: I did it, and I was, although I wouldn't say
Speaker 1: that's the same. So they they reached out, was like, oh,
Speaker 1: we'd love to have you on the show, you know.
Speaker 1: So I did like a like a pre interview. They're like,
Speaker 1: oh my gosh, we love we love you. So it's
Speaker 1: just so funny how I.
Speaker 2: Always love you. All all you need to do is
Speaker 2: go on the phone them they're gonna love it.
Speaker 3: And I'm always like, oh, I don't know.
Speaker 1: And it's so it's just funny about how you plant
Speaker 1: seed sometimes years in advance. So the big producer was like,
Speaker 1: oh my god, years ago, I took your literature challenge
Speaker 1: and it totally helped me. And then the young producer
Speaker 1: shout out to Jessica. She was like, oh my god.
Speaker 1: When your name came up, I was like, we have
Speaker 1: to use her. And I'm like, I know you. She
Speaker 1: was like, you were my instructor at the Wien Academy.
Speaker 1: So the Wien Academy, I can't remember what WEEN stands for.
Speaker 1: It's like women in Entertainment. So I every year I
Speaker 1: volunteer and I teach this free financial class for these
Speaker 1: young women who were between the ages typically like sixteen
Speaker 1: to like twenty something and they attend. They fly into
Speaker 1: New York and attend like a weekend long like academy,
Speaker 1: and it's really awesome and it's all sisters and brown
Speaker 1: girls and you know, and I just thought to myself, Wow,
Speaker 1: what a full circle moment that, Like, had I not
Speaker 1: been doing that year after year, who knows that they
Speaker 1: would have been thought of me? Because I asked, how'd
Speaker 1: you find me? She's like, girl, you know, you came
Speaker 1: and you taught, and you were so awesome.
Speaker 3: And you were so giving.
Speaker 1: And I'm like, oh wow, So anyway, baby child, we
Speaker 1: like to have you on the show. And I'm thinking, like, okay,
Speaker 1: I'll be on this. This it's a limited series docu
Speaker 1: series with a talking about fear, and of course I'm
Speaker 1: going to talk about financial fear. Didn't think anything of
Speaker 1: it until the press release comes out and it says
Speaker 1: new show on own network docuseries. Special guests include Oprah Winfrey.
Speaker 1: I was like, wait what, R and B Legend BB Winings,
Speaker 1: I said, okay what? And financial educator Tiffany the Budgetista
Speaker 1: Variety on Dead.
Speaker 2: In a sentence, yes and a and a sentence and
Speaker 2: your name call.
Speaker 3: What.
Speaker 2: So basically you're on your way to being on her tour,
Speaker 2: the next Oprah Owned tour like backstage passes, backstage passes, Congress,
Speaker 2: bfd b ethic, Yes, yes.
Speaker 1: It is, and I just like, you know, like at first,
Speaker 1: I was kind of I was already excited before, but
Speaker 1: I didn't know that Oprah was also going to be
Speaker 1: a guest on the show. So it just it's just
Speaker 1: things like that. You're like, wow, but you think about
Speaker 1: the you know, like what you sew, you know what
Speaker 1: you reap, you truly have sown. And I think to myself, like,
Speaker 1: remember when I first did the first Literature Challenge. Everyone
Speaker 1: said basically I was dumb because I was giving it
Speaker 1: away for free, But I'm like, no, people really need help.
Speaker 1: There has to be something. I mean, I speak and
Speaker 1: I you know, and I have books now. So the
Speaker 1: challenges were my way to say, if you don't have
Speaker 1: any money, I can give you a full fledged course,
Speaker 1: like which is totally free. And it's like year six
Speaker 1: and all of them are.
Speaker 3: Still completely free. There's been no gotcha, gotcha.
Speaker 1: I did one with Magnify Money and Mandy was my
Speaker 1: special guest every week, so like that was the credit one,
Speaker 1: which is like one of my favorite ones. And so
Speaker 1: you just think about things like that that people tell
Speaker 1: you are like not the.
Speaker 3: Right move or take take, take or don't give.
Speaker 1: And you think to yourself, how that given these two instances,
Speaker 1: maybe they wouldn't have thought of me, you know. And
Speaker 1: who knows when once it air So it's supposed to air, well,
Speaker 1: it's supposed to begin airing. I don't know when my
Speaker 1: component airs, but begins airing. Macy, did you already tape
Speaker 1: twineteen twenty?
Speaker 3: Maybe?
Speaker 2: Oh, so you must say, oh, well, this is a
Speaker 2: quick turnaround. Did you tape it from home? Was this
Speaker 2: or was this pre pandemic?
Speaker 1: No, it takes it from home. They sent like they
Speaker 1: sent me like the equipment to set up.
Speaker 2: This is exciting. I know, girl, I'm glad I got
Speaker 2: cable for once in my life.
Speaker 1: And I don't which I'm like, damn, am I gonna
Speaker 1: have to get cable for this? So I think I
Speaker 1: get Someone said you can get like seven free days
Speaker 1: of like you.
Speaker 2: Know, a free trial to get to watch your own special.
Speaker 2: Make sure you time it right, are you?
Speaker 3: I was thinking, I was like, wait a minute, what
Speaker 3: am I gonna come on?
Speaker 2: So?
Speaker 1: Yeah, it was just like one of those like full
Speaker 1: circle moments of like, you know, reaping what you sew
Speaker 1: and I don't know, it just felt good to just
Speaker 1: you know, I actually have to call my mom and
Speaker 1: tell her, because you know, she has to let all
Speaker 1: the aunties know, all the aunties know, and so I
Speaker 1: don't want her to hear from them first, and she'd
Speaker 1: be like, they told.
Speaker 3: Me how comm you did everything. I wasn't prepared.
Speaker 1: So yeah, that's my big boost. And you know, the
Speaker 1: ups and downs and entrepreneurship you have those days you're like,
Speaker 1: you have up days you're like and sometimes it's in
Speaker 1: the same day. But that's definitely something that I'm excited about.
Speaker 1: I am a little nervous because I felt like I
Speaker 1: was nervous. I don't know how well I did.
Speaker 3: Honestly.
Speaker 1: Sometimes I can gauge. I will say that, you know,
Speaker 1: you're in the press release.
Speaker 3: Yeah I know, I know, but that doesn't mean I
Speaker 3: did good. I might, I don't know. We don't see.
Speaker 3: We will all be seeing together, So if it's terrible.
Speaker 1: That's my biggest worry is I'll do this whole big
Speaker 1: thing where I'm like, oh, watch party, and then it'll
Speaker 1: be like.
Speaker 2: Oh well, lit's send you will you will always have
Speaker 2: done the best Yanna what's her name? Yeah, you will?
Speaker 2: You will always have done the best interview with Yanla
Speaker 2: as you ever had done, because it's the first one,
Speaker 2: you know what I mean. Low expectations, Stephanie, we talked
Speaker 2: about this set them low to the fun I personally
Speaker 2: should have boosted the fact that when I got that
Speaker 2: Molly Moore book in the mail, and I it's just
Speaker 2: so exciting because like every friend, I've got a few friends,
Speaker 2: you've written books, and every time I get it, I
Speaker 2: just feel like, in some small part I was there
Speaker 2: when this was just an idea and it was just
Speaker 2: like and it's one of those things that you've been
Speaker 2: talking about for years on the podcast, and it's just
Speaker 2: so good to feel it in my hands. And I
Speaker 2: was so excited, and RIO loved the pictures and the
Speaker 2: illustrations are beautiful and it's such a cute little book.
Speaker 2: I do want to know what kind of friends Molly
Speaker 2: Moore has who are getting her five bikes and four
Speaker 2: phones and twelve dogs, and like like I, it's all
Speaker 2: for counting. Yeh, yeah, yeah, gotcha, gotcha, gotcha?
Speaker 1: I know.
Speaker 3: Congrat Molly is lit.
Speaker 2: Thank you, congrats. I'm so it's so happy, I'm so
Speaker 2: bos on my shelf and yeah, I just feel blessed
Speaker 2: to know people who are out there just creating such
Speaker 2: little treasures like this and we're super excited.
Speaker 3: Congrats, Thank you ya oh rill try to eat the book,
Speaker 3: that's how. That's a good sign.
Speaker 2: Everything he loves, he tries to consume. That is his.
Speaker 2: That is the stage we were at. Indeed, alrighty, well,
Speaker 2: thank you for another great show, Missy.
Speaker 1: Yes, thank you. This was a long one, but I
Speaker 1: think a longie, but a goodie. This show was brought
Speaker 1: to you by Rio's Nap. Thank you Rio Francisco for
Speaker 1: being one of our sponsors today. Yes, all right, well
Speaker 1: we will catch you all next week. Thanks for tuning in.