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Speaker 1: It's time for the b a q a A to

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Speaker 1: b a q a. What you said, the b a

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Speaker 1: q a not Manday, but the b a q eight

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Speaker 1: with tifin a, the b a q a with Bernard A.

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Speaker 2: We're feeling around, were like, how we're gonna do this is.

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Speaker 3: Gonna be okay. We have a guest in the Berna

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Speaker 3: and not.

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Speaker 1: She's got this new amazing book called Money Out Loud.

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Speaker 1: If you didn't listen to the prior episode, which you

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Speaker 1: want to, because it's amazing. Bernad is a new author,

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Speaker 1: but she's not new to the game. She's ruse of

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Speaker 1: the game. Her book is amazing and awesome. It came

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Speaker 1: out about a month and a half ago. It's available everywhere.

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Speaker 1: But I said, Bernard, come to the stew with us

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Speaker 1: today and answer some one helped me to answer a

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Speaker 1: financial question. And then two, Berna low Key high key

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Speaker 1: is one of my mentees. And so she's gonna ask

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Speaker 1: me a business question, which I don't know what she's

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Speaker 1: gonna ask, and so we'll answer that in the second half.

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Speaker 3: So let's get start.

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Speaker 1: Well, first of all, Bernard, I'm acting like I didn't

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Speaker 1: introduce you to the people. But that was the last,

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Speaker 1: you know, the last. Let me introduce Burner. She's not

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Speaker 1: just some you know, She's not just some girl off

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Speaker 1: the street. Okay, anyway I am. She's an award winning producer, speaker,

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Speaker 1: podcast host, and rich auntie in training and financial hype women,

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Speaker 1: which is her made up way of saying. She creates

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Speaker 1: financial education media all over the Internet. Born and raised

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Speaker 1: in the Bay and a prowd and a proud Okay,

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Speaker 1: I don't know why because I'm like Filipina. I don't

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Speaker 1: know why. I'm like, I know, but you know it

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Speaker 1: because the app has thrown me off. Anyway, Filipina America.

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Speaker 4: It's perfect. It's perfect.

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Speaker 1: Hey, daughter of immigrants, she taught herself how to pay

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Speaker 1: off over fifty thousand dollars of debt and then did

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Speaker 1: what any millennial would do yelled about it on the Internet.

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Speaker 1: Bernard's work has been featured on platforms like Forbes, New

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Speaker 1: York Times, and BuzzFeed. She received a Pollutus Award for

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Speaker 1: Most Entertaining Financial Content Creator. The Pollutice Awards are like

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Speaker 1: the Ammys of the Oscars of the financial education space.

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Speaker 1: Big deal, and she did it not one year, but

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Speaker 1: two years in a row and was named abs. She

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Speaker 1: was named the Global pinoy Idol. What year was that

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Speaker 1: was that recently?

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Speaker 4: This was I want to say twenty twenty A little bit,

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Speaker 4: no matter.

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Speaker 1: But you can find bernerd online at hayberner on all

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Speaker 1: the platforms, in heyburner dot com or curled up with

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Speaker 1: her nieces watching.

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Speaker 3: The office the office scene.

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Speaker 1: Now, Oh, so Berna's in the still and we're going

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Speaker 1: to take a question and Berna's gonna help me answer it,

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Speaker 1: and then Berna's going to ask her own business question.

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Speaker 1: Few questions for you. I need a little change. At

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Speaker 1: fifty three? Am I too old to buy a home?

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Speaker 1: Too old to change careers? The new career would be

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Speaker 1: in LPN, which is a type of nurse. I believe, girl,

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Speaker 1: don't give me the line. She also says that it's

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Speaker 1: being said that the US dollar is losing value? What

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Speaker 1: does that even mean to us? Should I even try

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Speaker 1: to buy a home anymore? Should people leave the US?

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Speaker 1: Sounds like prices or skyrocketing even more? This is not flacking.

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Speaker 1: I'm like, oh, girl, getting nervous. Just in My blood

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Speaker 1: pressure is going up.

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Speaker 3: Bleed, bleed. I just thought of something else.

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Speaker 1: Oh my gosh, mL said I'm exploring housing options and condos,

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Speaker 1: then mobile homes starts to show up. I've seen some

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Speaker 1: beautiful ones. Do you know if they earn equity? Is

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Speaker 1: that a waste of money? Do I even consider it?

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Speaker 1: M L has like this like ten questions.

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Speaker 2: Here, it's EML is spiraling, EMIL is spiraling up down

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Speaker 2: around spiring.

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Speaker 3: So let's help perus O Berner, what would you say?

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Speaker 1: Just like initial reaction to ML's fifty one questions.

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Speaker 2: Fifty one thousand questions exactly, I'm like, we ask twenty

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Speaker 2: one question? Is that a fifty cent Yeah, I'm like,

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Speaker 2: and this is also what I would have said to

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Speaker 2: fifty cent at the beginning of that song breathe, hold up.

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Speaker 2: Let's like a collective breath in and out, because I

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Speaker 2: feel like when someone has this many questions, what they

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Speaker 2: really have is one question, and like this question, all

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Speaker 2: these little questions stem from the top question, and my mind,

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Speaker 2: the top question is like I feel insecure financially?

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Speaker 4: What do I do?

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Speaker 2: And I'm that annoying person that's always like when you

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Speaker 2: have a question, I have seven back to try to

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Speaker 2: like get all the way to the bottom of it.

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Speaker 2: But to me, it sounds like mL is at a

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Speaker 2: place where she's like, I I'm panicking. I want to

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Speaker 2: make options to change my financial situation. And the thing

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Speaker 2: that my brain latched onto first is am I too

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Speaker 2: old too? Because it sounds like I need a life

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Speaker 2: change at fifty three? That's the question. I need a

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Speaker 2: life change at fifty three. Now where do I go?

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Speaker 2: Because now mL is like do I change my career?

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Speaker 2: Do I buy a mobile home? Do I leave the country?

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Speaker 2: Like do I start learning about the economy? Like I

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Speaker 2: think the life change question needs to be dealt with first,

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Speaker 2: and so my brain is chewing on what's the first

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Speaker 2: step if if it's just there, I just need a

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Speaker 2: life change at fifty three. It sounds like the rest

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Speaker 2: of these questions have to do with not so much

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Speaker 2: that mL is like, oh no, I need to like

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Speaker 2: I absolutely need to earn more money, or like I'm

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Speaker 2: covered in debt.

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Speaker 4: What do I do?

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Speaker 2: It's like they're looking at a lot of options to

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Speaker 2: just like bring a financial change. So that's where my

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Speaker 2: brain is at first.

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Speaker 3: I'm like, let's start there.

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Speaker 4: Where do we go?

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Speaker 3: I love that?

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Speaker 1: And you're right, I think that mL to Bernard's point,

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Speaker 1: and I get it. We've all been here when like

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Speaker 1: one thing leads to another thing leads to another thing,

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Speaker 1: and it just feels so overwhelming. You know, what I

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Speaker 1: read in here is uncertainty based in fear, and certainly

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Speaker 1: that's not a judgment because it does feel like scary times. Yes,

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Speaker 1: you know, we just came on the tail end of

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Speaker 1: the pandemic, a mini recession, a potential looming recession. It's

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Speaker 1: been very up and down. But I'll say this emil

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Speaker 1: into anyone listening who might be feeling like everything's going

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Speaker 1: to hell and back. That the economy is cyclical, Yes,

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Speaker 1: meaning every ten to twelve years or so we hit

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Speaker 1: a recession without fail, and about every I don't even

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Speaker 1: know longer than that there's a depression, which is two

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Speaker 1: consecutive years of recession, and meaning that it is normal

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Speaker 1: for economies to be up and money is flowing to

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Speaker 1: be down and money is tight and something in between.

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Speaker 1: So there are things that are beyond your You have

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Speaker 1: not done anything. Just by nature of living, you are

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Speaker 1: going to live through ups, downs and in between.

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Speaker 3: That's just how it goes.

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Speaker 1: And so you know that you know that where we

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Speaker 1: said like where we are right now, they're always saying

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Speaker 1: the dollar is down, the dollar is up, and we

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Speaker 1: will see it again in another twenty years, and another

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Speaker 1: twenty years after that, another twenty year, you know, And

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Speaker 1: so I wouldn't be so afraid of the super specifics

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Speaker 1: of now other than take knowledge, Oh, this is part

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Speaker 1: of the normal cycle of the economy. And if you

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Speaker 1: want to ease yourself, you can literally say to yourself,

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Speaker 1: let me actually, maybe I'll google a YouTube video about

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Speaker 1: the cycles of an economy so I can understand. Ah,

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Speaker 1: it's almost like your kid is crying, you know, like

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Speaker 1: like you have a newborn and they're crying, you know,

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Speaker 1: at like two am, and you can focus that in

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Speaker 1: the moment they're crying at two am, or just know,

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Speaker 1: like connestly, my kid cries every morning at two am

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Speaker 1: because they're a newborn. This is part of the life

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Speaker 1: cycle of like what it looks like to raise a kid.

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Speaker 1: It's not that something is wrong. Certainly is it nerve

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Speaker 1: wracking because you know who loves crying at two am,

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Speaker 1: But understanding it's a natural part of growth of babies

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Speaker 1: that you know they say to be up back, tell yeah,

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Speaker 1: that's what So let's start. There is to like acknowledge

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Speaker 1: that what you're feeling is normal, but to acknowledge that

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Speaker 1: it is part of a larger cycle that we have

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Speaker 1: been through before and we will be through.

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Speaker 4: Again, Yes, one hundred percent.

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Speaker 2: I mean, it's it's hard not to panic because every

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Speaker 2: time you turn on the TV, you go on social media,

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Speaker 2: there is new reason to think that we are legitimately

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Speaker 2: in the apocalypse, like the world is. And I feel

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Speaker 2: that same tension in this message from mL all around

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Speaker 2: me of just like it feels like everyday things are

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Speaker 2: getting worse or things are so bad, and even just

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Speaker 2: hearing this from youtip and like pulling my head out

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Speaker 2: of the two am crying baby and being like we've

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Speaker 2: said these things before, especially in terms of the economy.

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Speaker 2: Of course, things are happening in the economy that are

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Speaker 2: different from the last recession, but recessions are It's literally

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Speaker 2: part of the life cycle of our economy. So I'm like, oh, yeah,

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Speaker 2: I think I got caught up a little bit in

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Speaker 2: ML's panic, and I'm like, she's.

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Speaker 4: Right, what do we do? I'm waiting, I gotta go.

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Speaker 2: I was I'm one of many people who just in

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Speaker 2: the last few months contemplated, like do.

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Speaker 4: I need to go do I need to get the

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Speaker 4: heck up out of here?

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Speaker 2: But to take that breath like you said, like we

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Speaker 2: were talking about, and go like this is normal. This

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Speaker 2: is cyclical because when you make decisions from that place

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Speaker 2: of panic, that's when people mess up their investments. That's

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Speaker 2: when people like rip money out of their fore or

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Speaker 2: one K. That's when people ignore things kind of building

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Speaker 2: block things like having an emergency savings, what does your

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Speaker 2: retirement fund look like? What's your high interest debt look like? Like,

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Speaker 2: let's take care of our basics. People ignore that and

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Speaker 2: go like I'm moving a Portugal.

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Speaker 3: Literally all the financial people girls are who to Portugal?

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Speaker 4: Bye? What? How are you starting a commune?

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Speaker 3: Like I didn't get the invitation, but you said something

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Speaker 3: that is that.

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Speaker 1: I think it's going to be so helpful for m now,

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Speaker 1: which is when things get rough.

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Speaker 3: Yes, you should get down to the basics.

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Speaker 4: Yes, exactly.

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Speaker 3: And my budget in do I have savings?

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Speaker 2: Yes?

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Speaker 1: Am I maintaining good credit? Am I managing my debt

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Speaker 1: in a responsible way?

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Speaker 3: Am I?

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Speaker 1: Do I have an income that I'm earning and I'm

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Speaker 1: pretty confident that I can continue to earn that Like

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Speaker 1: these those are the core fundamentals. So when things get

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Speaker 1: really rough, I ask myself, let me review my fundamentals.

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Speaker 1: My budget could be a little tighter. M okay, my savings,

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Speaker 1: you know what, let me see if I can, if

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Speaker 1: I could save a little bit more. The scores looking

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Speaker 1: good now currently I don't have any credit card debt.

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Speaker 3: That's good, you see.

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Speaker 1: And so like getting down to the fundamentals and then too,

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Speaker 1: like once you can allay some of those fears, especially

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Speaker 1: if you have your foundation strong, I want instead of

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Speaker 1: you making decisions from a place of running away from yes,

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Speaker 1: you know, I want you for EML and anyone listening

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Speaker 1: to ask my ask yourself, what can you run towards? Yes,

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Speaker 1: you know, like something joyful like mL. Do you want

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Speaker 1: to be an LPN If that sounds awesome to you,

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Speaker 1: run toward that. You know, do you want to be

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Speaker 1: a homeowner because it's something that you're excited about, Then

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Speaker 1: run toward that versus I want to do that because no, no, no,

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Speaker 1: what do you want to do? Not what do you

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Speaker 1: feel like you're forced to do?

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Speaker 3: You know?

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Speaker 1: And so that's just that's the space we want you

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Speaker 1: to make financial choices from.

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Speaker 3: Like like I did.

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Speaker 1: This earlier, like with in our previous episode with Berna,

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Speaker 1: where I ask kind of like, where do you see

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Speaker 1: yourself in two to five ten years?

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Speaker 3: You know, I want you to. I call it dreamscaping.

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Speaker 1: Sit out on the couch, look out the window, play

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Speaker 1: your favorite music, and ask yourself, Oh, man, if I

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Speaker 1: could just come up with my ideal life, it would

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Speaker 1: look like this and this and this, and then you

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Speaker 1: could start to ask yourself what do I need to

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Speaker 1: do financially to support that life?

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Speaker 3: Because that's from a place of.

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Speaker 1: Joy and excitement, you know, an adventure versus like, you know,

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Speaker 1: a place of fear and shame and uncertainty. And so

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Speaker 1: that's what's so drop down to the fundamentals budgeting, savings, debt, credit, earning.

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Speaker 3: Look at all your fundamentals. Are they strong? If they're not?

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Speaker 1: Money Out Loud is a great book to help you

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Speaker 1: to start to get you You see what I did there?

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Speaker 4: I did get good with money too? Also good with money?

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Speaker 4: Can we play?

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Speaker 2: All?

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Speaker 3: Right?

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Speaker 1: So you get that book to start to bring that,

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Speaker 1: you know, to get yourself to this financial, financially fundamentally

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Speaker 1: sound place and then start making you know, start dreamscaping

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Speaker 1: and then aligning your financial choices with those.

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Speaker 2: Dreams exactly exactly we were saying this before and reviewing

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Speaker 2: the question of that, it's like, it's it's never too

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Speaker 2: late to make these kinds of life changes. But I

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Speaker 2: love what you're getting at, and I think it gets

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Speaker 2: at that. What is the umbrella question, which is ML's

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Speaker 2: first question, I need a life change at fifty three?

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Speaker 2: Why what is the life change? Right? Like, I feel

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Speaker 2: like that's the kind of questions I would ask myself

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Speaker 2: if I were mL and I was sitting on my

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Speaker 2: couch dreamscaping. Do I need a life change because I

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Speaker 2: need excitement because I feel insecure financially? Like, what is

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Speaker 2: what is the problem that we're trying to solve? Because

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Speaker 2: buying a condo and running away might not solve it

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Speaker 2: when originally the question, like the solve is just I

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Speaker 2: just need to shake things up, or like like you said,

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Speaker 2: I would be interested in a nursing career, but it's

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Speaker 2: hard to make those distinctions when we're in a place

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Speaker 2: of panic and scarcity. So I'm like, I want to

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Speaker 2: curl up on the couch next to mL too and

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Speaker 2: be like, what's what feels expansive? And I think what

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Speaker 2: I like what you were getting at earlier too, is like, yes,

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Speaker 2: you're fifty three, let's not make decisions from a place

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Speaker 2: of like, oh god, time is running out. You're fifty three,

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Speaker 2: You've got decades ahead of you. If we look at

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Speaker 2: these joyfully like you like make it feel I'm just

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Speaker 2: like I've got all this time? What do I want

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Speaker 2: to do with this time? Like that sort of like juicy.

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Speaker 1: That's why I love called dreamscaping, where literally it's like landscaping,

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Speaker 1: so you're like designing what your external life looks like.

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Speaker 1: But with dreams that's why I call it dream I'm

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Speaker 1: literally like, ooh, I.

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Speaker 3: Could see myself on the.

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Speaker 1: Beach like this, like literally like I get excited and

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Speaker 1: I'm like you know, and so like that is as

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Speaker 1: an awesome place to make decisions from. So am I

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Speaker 1: hopefully that was helpful. I forgot to say b a

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Speaker 1: QA listeners. If you have a question, ask it. You

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Speaker 1: can go to brannibisionpodcast dot com. Email us at Brandambision

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Speaker 1: Podcasts at gmail dot com. We are Brown Ambition Podcasts

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Speaker 1: on ig You can send us a message there. You

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Speaker 1: could tweet us at the BA podcast and yeah, but

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Speaker 1: remember we are not your financial advisor. Well, I'm not

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Speaker 1: your mom, mom, I'm not your doctor, your turney sue,

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Speaker 1: somebody else. Take what we say with the smallest of

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Speaker 1: the smallest of grains of salt. Okay, we're gonna take

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Speaker 1: a break, and then we're gonna come back with a

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Speaker 1: business question, because, as you know, Berna is one of

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Speaker 1: my mentees, and so I don't know what question she

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Speaker 1: has for me, but I'm gonna try to lead her

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Speaker 1: down the path as best as possible.

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Speaker 3: This see back in a moment, and we're back and

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Speaker 3: black and brown and baqaing. We have Berner.

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Speaker 1: Anna's in the stew, the new author of Money Out Loud,

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Speaker 1: an awesome book to help you wich Auntie and your

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Speaker 1: little niece's and Nessy Nephie poos as they navigate their

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Speaker 1: financial journey, but from the place of fond and lightheartedness,

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Speaker 1: but also financial education.

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Speaker 3: So Berna is in the stew And y'all know that

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Speaker 3: I mentor especially women of color and just business. I've

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Speaker 3: been in business for fifteen years. You know.

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Speaker 1: We've been able to scrape together over forty million dollars

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Speaker 1: in revenue, so much of which we poured right.

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Speaker 3: Back into the people that we serve.

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Speaker 1: You know, I'm proud that I get to have a

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Speaker 1: business that you know, makes income, but most importantly makes impact.

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Speaker 1: And so I get a lot of young women and

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Speaker 1: young as in like young in business asking me questions.

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Speaker 1: And so I have some like people who I get

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Speaker 1: to chat with, like Berna, but I just get so

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Speaker 1: many requests I was like, I can't take them all on,

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Speaker 1: and so I started this Patreon, which is this platform

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Speaker 1: where I can mentor literally there's like I think I

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Speaker 1: have like thirteen hundred mentor mentees there now, and if

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Speaker 1: you'd like to join us, it's ten bucks a month

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Speaker 1: my mentor Tiffany dot com. But the thing is, Baqa

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Speaker 1: comes out on Friday tomorrow, I believe tomorrow morning. The

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Speaker 1: price doubles from ten bucks a month to twenty. But

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Speaker 1: if you lock yourself in at ten bucks a month,

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Speaker 1: you will always pay ten bucks.

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Speaker 3: So the twenty is gonna be for the new people.

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Speaker 1: So if you're interested you want to dip your vaper

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Speaker 1: toe in, now is the perfect time because my mentor,

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Speaker 1: Tiffany dot Com will be doubling tomorrow.

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Speaker 3: So all right, Burton, your.

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Speaker 4: Question is what okay?

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Speaker 2: So to lay out some context, Tiffany has taken the

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Speaker 2: last like year to give me the keys to the kingdom.

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Speaker 2: She's like, oh, you're writing a book. You wanted to

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Speaker 2: be impactful. Here's literally everything that I did. And if

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Speaker 2: you know Tiffany, you're one of her mentees, whether you're

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Speaker 2: like in person mentee or you're on her patron you

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Speaker 2: know that like Tiffany's all about giving the keys to

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Speaker 2: the kingdom. There is like no gatekeeping ever. And so

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Speaker 2: I first want to just say that, like my book

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Speaker 2: launch is the way that it is and was the

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Speaker 2: way that it was, like largely because of Tiffany's guidance

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Speaker 2: as to like, here's what to do strategically, but also

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Speaker 2: here's how to enjoy it in a way that is

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Speaker 2: fulfilling with your community. And so it's been legit, like

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Speaker 2: no joke, the best two months of my entire life

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Speaker 2: up until now, Like it's just been so incredible. And

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Speaker 2: my question basically the umbrella over it is like now what,

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Speaker 2: who know what?

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Speaker 4: Oh my gosh.

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Speaker 2: And we talked a little bit about like the now

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Speaker 2: what emotionally on our the main Brand Ambition episode. But

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Speaker 2: I'm thinking of in terms of leverage, you know, like

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Speaker 2: now I'm proud of the book. I'm proud of the

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Speaker 2: impact it's made, the reviews and feedback that's coming in.

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Speaker 2: I'm like, it's exactly how I wanted to hit. And

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Speaker 2: this summer I'm taking, you know, some time off to

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Speaker 2: sort of recalibrate and reset myself on my nervous system

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Speaker 2: and stuff. In the fall, I'm doing a school tour,

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Speaker 2: like university tour. I'm touring again so that I could

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Speaker 2: try to get this book in front of as many

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Speaker 2: young b ipoc as possible, and of course, like have

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Speaker 2: the universities buy things and have donors by things I

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Speaker 2: want to I would like to know from your perspective,

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Speaker 2: besides sort of touring and selling the book itself.

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Speaker 4: I'm like, what do I do next?

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Speaker 2: You know, like, how do I leverage the fact that

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Speaker 2: I've I feel so successful with this book. How do

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Speaker 2: I leverage it into what I want to do next?

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Speaker 2: And what I want to do next. I want to

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Speaker 2: do more on camera stuff. I want to do more

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Speaker 2: video stuff, and I also want to have more of

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Speaker 2: what we've been talking about, which is more just sort

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Speaker 2: of like not so much passive income, but things that

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Speaker 2: don't also don't require me to be on camera and

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Speaker 2: in front all the time, like how do I leverage

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Speaker 2: now the success of this book into the business goals

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Speaker 2: that I want, but also like aligned with the softer

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Speaker 2: life of not not sprinting anymore, not doing as much now.

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Speaker 1: I love this question, and honestly it's a question that

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Speaker 1: it shows maturity in business, you know, because typically I

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Speaker 1: can tell where you are, but the kind of questions

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Speaker 1: you ask so typically you know, very very very newbies

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Speaker 1: and business was there's nothing wrong with it. It's really

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Speaker 1: like how do I not make enough money to survive?

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Speaker 2: You know?

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Speaker 3: Like how do I just make money in general? You know?

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Speaker 1: So I know, like, okay, this is a new person

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Speaker 1: in business. I got to get you to your first

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Speaker 1: five hundred to one thousand bucks a month, yes, you know,

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Speaker 1: and then it's like, okay, how do I make enough

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Speaker 1: money to actually like to like be okay? And so

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Speaker 1: the fact that you're asking this question shows like, oh,

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Speaker 1: you're like, you know, you're a little teen in business.

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Speaker 3: I grow I'm living, which I love.

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Speaker 1: And so what I would say first and foremost is

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Speaker 1: that I want you to ask yourself like I mean,

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Speaker 1: you've got you give me a little bit of clarity,

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Speaker 1: but I want more clarity on how in general do

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Speaker 1: you want life to look so like the next I

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Speaker 1: would say, like five years, So are you okay with

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Speaker 1: being on screen and being face forward for the next

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Speaker 1: five years or you're like, hmm, girl, I got about

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Speaker 1: another year of me and I kind of want to

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Speaker 1: be behind the scenes because that's critically important with like

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Speaker 1: how you want to payvot. So what would you say

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Speaker 1: to that, like in the next five years, how much

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Speaker 1: do you want to still be like on camera?

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Speaker 2: Great question, I think honestly, I have the kind of

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Speaker 2: personality where I think I'll probably want to be on

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Speaker 2: camera until God takes me out, Like really truly, I

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Speaker 2: love being on camera, but I want that to be

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Speaker 2: like a joyful choice I get to make, as opposed

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Speaker 2: to here I am again, like five years from now,

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Speaker 2: if I have to be on camera every single week,

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Speaker 2: then I'm going to be that's too much for me.

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Speaker 3: Dollar exactly.

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Speaker 2: I don't want to be dancing for a dollar in

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Speaker 2: five years, Like guys, don't feel like I'm doing my

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Speaker 2: dancing for a dollar for sure, But in five years

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Speaker 2: I'd like it to be like selective speaking gigs or

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Speaker 2: one or two weeks of filming something that then gets distributed,

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Speaker 2: you know, throughout a season or streamed. I'd like to

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Speaker 2: be selective about the camera stuff and and be more

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Speaker 2: in five years, definitely be more behind the scenes. And

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Speaker 2: by behind the scenes, I mean like napping and traveling.

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Speaker 3: Yeah, okay, no, I love that.

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00:20:30,880 --> 00:20:32,520
Speaker 1: This is kind of the transition that I've been making

437
00:20:32,560 --> 00:20:34,200
Speaker 1: with the budget said, because I was like, I don't

438
00:20:34,200 --> 00:20:36,080
Speaker 1: want to dance for a dollar anymore. So what I

439
00:20:36,119 --> 00:20:37,399
Speaker 1: would say is this, and this is what I've done

440
00:20:37,440 --> 00:20:40,200
Speaker 1: over a budget staid with the team is you are

441
00:20:40,280 --> 00:20:41,480
Speaker 1: in which is really smart.

442
00:20:41,760 --> 00:20:43,400
Speaker 3: You are in pre pivot mode.

443
00:20:43,720 --> 00:20:46,000
Speaker 1: So most people wait until they're forced to pivot and

444
00:20:46,040 --> 00:20:48,439
Speaker 1: then they turn and then but you're doing it, like

445
00:20:48,640 --> 00:20:51,879
Speaker 1: now earlier, from a place of panic, place of rush,

446
00:20:52,400 --> 00:20:55,440
Speaker 1: to a place of uncertainty. So really, really, really really

447
00:20:55,520 --> 00:20:58,520
Speaker 1: smart business owners learn to see the thing before the thing,

448
00:20:58,520 --> 00:21:02,680
Speaker 1: before the thing, getting pivoting and turning the boat way

449
00:21:02,720 --> 00:21:06,920
Speaker 1: before the iceberg is visible. Yes, so by the time

450
00:21:07,000 --> 00:21:08,960
Speaker 1: it gets here, you're like, oh, I'm so glad I

451
00:21:09,040 --> 00:21:11,800
Speaker 1: pre pivoted, because you know, we're basically almost already turned.

452
00:21:11,880 --> 00:21:13,560
Speaker 3: So hey you saw you got me you down?

453
00:21:13,920 --> 00:21:17,159
Speaker 1: Yeah, you know, you know, take another Titanic out, not

454
00:21:17,200 --> 00:21:22,720
Speaker 1: me exactly right. And so what we're doing at Budgetista

455
00:21:22,800 --> 00:21:24,400
Speaker 1: now is I had told my team this years ago.

456
00:21:24,520 --> 00:21:25,160
Speaker 3: I knew.

457
00:21:25,200 --> 00:21:26,640
Speaker 1: I was like saying, like, you, you know, I've got

458
00:21:26,640 --> 00:21:29,359
Speaker 1: a big personality, love to be face forwarded, but I

459
00:21:29,440 --> 00:21:31,800
Speaker 1: knew it wasn't gonna last forever. So I said, we

460
00:21:31,920 --> 00:21:34,080
Speaker 1: have to start to identify ways that we can make

461
00:21:34,160 --> 00:21:37,560
Speaker 1: money that don't require my face y. That's what I said, exactly,

462
00:21:37,800 --> 00:21:40,560
Speaker 1: you know, And so you have to start to lay

463
00:21:40,600 --> 00:21:42,679
Speaker 1: out for yourself. So one of the reasons why, like

464
00:21:42,760 --> 00:21:46,639
Speaker 1: I am I like Patreon when I do like my

465
00:21:46,640 --> 00:21:49,600
Speaker 1: my my mentee like right, So that I mean that

466
00:21:49,640 --> 00:21:51,560
Speaker 1: was kind of like just like a test, but it

467
00:21:51,600 --> 00:21:52,240
Speaker 1: turns out.

468
00:21:52,119 --> 00:21:53,200
Speaker 3: It makes really good money.

469
00:21:53,359 --> 00:21:53,520
Speaker 2: You know.

470
00:21:53,600 --> 00:21:56,280
Speaker 1: You figure, I've got like thirteen hundred people ten bucks

471
00:21:56,320 --> 00:21:58,320
Speaker 1: a month. You know, it was kind of accidental. It

472
00:21:58,320 --> 00:21:59,960
Speaker 1: was like, oh, let me pour back into these women

473
00:22:00,080 --> 00:22:03,600
Speaker 1: that keep asking me questions. But now it's a good chunk,

474
00:22:03,720 --> 00:22:05,280
Speaker 1: like you know, of like some money that we make.

475
00:22:05,320 --> 00:22:07,560
Speaker 1: I'm like, oh, and I go live once a month.

476
00:22:07,960 --> 00:22:10,440
Speaker 1: But then the mentees also help each other. I enjoy

477
00:22:10,480 --> 00:22:13,280
Speaker 1: having dinner with them and doing other in person things,

478
00:22:13,600 --> 00:22:15,560
Speaker 1: and so I say that to say that, like, that

479
00:22:15,760 --> 00:22:19,640
Speaker 1: was one of my okay, pivoting moments where I get

480
00:22:19,640 --> 00:22:21,359
Speaker 1: to do the thing I like, which is I'm like,

481
00:22:21,440 --> 00:22:22,960
Speaker 1: I grew up with four sisters, so I'm like a

482
00:22:22,960 --> 00:22:25,520
Speaker 1: girl's girl, you know, so I get to do it.

483
00:22:25,560 --> 00:22:27,800
Speaker 1: But I'm like, oh wow, this actually makes some really

484
00:22:27,800 --> 00:22:29,880
Speaker 1: great money coming in. So that's part of my pre

485
00:22:29,960 --> 00:22:32,959
Speaker 1: pivot le. I always had kind of like a blog,

486
00:22:33,080 --> 00:22:35,280
Speaker 1: but I had not really leaned into it, you know.

487
00:22:35,680 --> 00:22:37,600
Speaker 1: But what I love about a blog is that, like

488
00:22:37,880 --> 00:22:40,119
Speaker 1: old school brands still very much want to be featured

489
00:22:40,160 --> 00:22:42,520
Speaker 1: on your blog, so they'll pay for that, you know.

490
00:22:42,640 --> 00:22:45,280
Speaker 1: Like there are products that I really enjoy and that

491
00:22:45,440 --> 00:22:48,080
Speaker 1: I used to I remember there was this one bank

492
00:22:48,080 --> 00:22:50,000
Speaker 1: account that I love so much and I sent like

493
00:22:50,520 --> 00:22:53,000
Speaker 1: three thousand people opened up bank accounts with them. And

494
00:22:53,040 --> 00:22:55,680
Speaker 1: I didn't know they had an affiliate program for twenty

495
00:22:55,720 --> 00:22:58,359
Speaker 1: five bucks per person do thed. I was like, we

496
00:22:58,600 --> 00:23:01,080
Speaker 1: what I know? And this was very early on in

497
00:23:01,119 --> 00:23:03,439
Speaker 1: my career. I wept because I had no money. It

498
00:23:03,480 --> 00:23:05,119
Speaker 1: was like fifty thousand dollars.

499
00:23:05,400 --> 00:23:07,959
Speaker 4: Oh my god, Like wait, whatzy no work for you too?

500
00:23:08,119 --> 00:23:11,760
Speaker 1: I mean, so then so now I started to lean

501
00:23:11,800 --> 00:23:14,120
Speaker 1: into like affiliate things, like so I have a list

502
00:23:14,119 --> 00:23:16,080
Speaker 1: of maybe like four or five things that I already love,

503
00:23:16,200 --> 00:23:18,119
Speaker 1: I use, and I like and I trust, And then

504
00:23:18,119 --> 00:23:19,800
Speaker 1: I reached out to the companies that they didn't have

505
00:23:19,840 --> 00:23:22,080
Speaker 1: it already kind of like on their site, like do

506
00:23:22,160 --> 00:23:24,200
Speaker 1: you have a program because I use, like and trust

507
00:23:24,200 --> 00:23:26,119
Speaker 1: you guys, and I would love to share you with

508
00:23:26,119 --> 00:23:28,800
Speaker 1: my audience, but girl, a kickback would.

509
00:23:28,640 --> 00:23:30,720
Speaker 4: Be cute, you know, yes, And so you're.

510
00:23:30,560 --> 00:23:33,040
Speaker 1: Always honest obviously when you share like these things like hey,

511
00:23:33,440 --> 00:23:36,000
Speaker 1: you know this is a tool or resource that I use,

512
00:23:36,080 --> 00:23:38,280
Speaker 1: but know that I also get paid every time someone

513
00:23:38,320 --> 00:23:38,800
Speaker 1: signs up.

514
00:23:38,840 --> 00:23:41,280
Speaker 3: So that's just the law. But also too, it's just

515
00:23:41,359 --> 00:23:42,119
Speaker 3: good practice.

516
00:23:42,200 --> 00:23:45,880
Speaker 1: So affiliates were one of the ways something else too

517
00:23:46,200 --> 00:23:48,800
Speaker 1: that we started to I still do some spokesperson work,

518
00:23:48,840 --> 00:23:51,119
Speaker 1: speaking work, but that was like seventy percent of our

519
00:23:51,160 --> 00:23:54,000
Speaker 1: income last year, and so this year those far, it's

520
00:23:54,040 --> 00:23:55,720
Speaker 1: only been twenty five percent, which is great.

521
00:23:55,880 --> 00:24:00,000
Speaker 2: Wow, that's where I'm trying to that's my five year goal. Yeah,

522
00:24:00,200 --> 00:24:00,840
Speaker 2: I want to cycle that.

523
00:24:01,040 --> 00:24:03,479
Speaker 1: So it's not been easy because you know, it's like

524
00:24:03,480 --> 00:24:06,160
Speaker 1: we've I might not make as much money this year

525
00:24:06,160 --> 00:24:08,760
Speaker 1: as I did last year because of that pivot, you know,

526
00:24:08,840 --> 00:24:09,760
Speaker 1: so I'm always keeping.

527
00:24:09,560 --> 00:24:11,520
Speaker 3: An eye on that prize.

528
00:24:11,600 --> 00:24:13,320
Speaker 1: So one of the things that we did is before

529
00:24:13,359 --> 00:24:15,520
Speaker 1: we made that pivot, knowing that we might drop an income,

530
00:24:15,920 --> 00:24:18,960
Speaker 1: we have six months of money saved of operating expenses,

531
00:24:19,080 --> 00:24:21,919
Speaker 1: so that's payroll and all of our bills. So in

532
00:24:22,000 --> 00:24:24,760
Speaker 1: case something gets tight, like this month we didn't make

533
00:24:24,880 --> 00:24:27,200
Speaker 1: enough to cover our bills, but we have six months,

534
00:24:27,720 --> 00:24:31,399
Speaker 1: you know, because next month I have some things coming

535
00:24:31,440 --> 00:24:34,080
Speaker 1: in that's gonna be enough to cover bills for five months,

536
00:24:34,359 --> 00:24:36,199
Speaker 1: so we'll be able to put the money back in

537
00:24:36,240 --> 00:24:39,320
Speaker 1: our you know, our emergency savings and then be good

538
00:24:39,320 --> 00:24:41,240
Speaker 1: for the next like five months. But so do you

539
00:24:41,280 --> 00:24:43,560
Speaker 1: see that even in the pivot, it might look like

540
00:24:43,560 --> 00:24:45,720
Speaker 1: a drop down, So do you have the money set

541
00:24:45,720 --> 00:24:46,200
Speaker 1: aside for that?

542
00:24:46,280 --> 00:24:48,680
Speaker 3: So prepare for that, you know. As well. I'm trying

543
00:24:48,720 --> 00:24:50,200
Speaker 3: to think some other things for doing a budgetista.

544
00:24:50,280 --> 00:24:54,960
Speaker 1: So it's affiliate, it's the blog, it's Patreon, and then

545
00:24:55,000 --> 00:24:58,200
Speaker 1: we're coming up with like some courses, you know, because

546
00:24:58,440 --> 00:25:00,760
Speaker 1: like courses that people can purchase and by so we're

547
00:25:00,760 --> 00:25:04,040
Speaker 1: looking at that, but even other things I'm looking to think, like,

548
00:25:04,119 --> 00:25:06,199
Speaker 1: you know, are there some sort of partnerships where their

549
00:25:06,240 --> 00:25:09,359
Speaker 1: overhead is not so high, Like, for example, maybe I

550
00:25:09,359 --> 00:25:10,280
Speaker 1: can put out a white paper.

551
00:25:10,320 --> 00:25:12,560
Speaker 3: This is something I was considering, Like I.

552
00:25:12,840 --> 00:25:17,959
Speaker 1: Have two million, specifically black women that where you know,

553
00:25:18,080 --> 00:25:20,600
Speaker 1: it's like why do black women navigate? They do with

554
00:25:20,720 --> 00:25:24,960
Speaker 1: their finances, and I have the ability to like have

555
00:25:25,040 --> 00:25:28,119
Speaker 1: people like ten thousand people in two days do a

556
00:25:28,600 --> 00:25:31,160
Speaker 1: survey and then put out a white paper to say,

557
00:25:31,600 --> 00:25:33,960
Speaker 1: here's why black women navigate. Y'all know, child, look at

558
00:25:33,960 --> 00:25:36,720
Speaker 1: that commercial, it's whack. Here's why black women do the

559
00:25:36,720 --> 00:25:38,399
Speaker 1: way because I know this is what they've shared with

560
00:25:38,440 --> 00:25:40,840
Speaker 1: me why they do what they do. So that's potentially

561
00:25:41,040 --> 00:25:43,600
Speaker 1: something too where people, you know, brands might say you

562
00:25:43,600 --> 00:25:44,960
Speaker 1: have to figure out a way to do so ethical

563
00:25:45,000 --> 00:25:48,360
Speaker 1: obviously you're not sharing people specific information, but in general,

564
00:25:48,520 --> 00:25:52,399
Speaker 1: like basically I can be a trend spotterer, you know,

565
00:25:52,440 --> 00:25:55,480
Speaker 1: because I have my ear to the streets and say, hey, honestly,

566
00:25:55,920 --> 00:25:58,160
Speaker 1: like bank, they don't mess with you because we don't

567
00:25:58,160 --> 00:26:00,359
Speaker 1: like the way you talk to us, Yes, and so

568
00:26:00,600 --> 00:26:03,640
Speaker 1: like here's the language they're wanting, here's the interest rate

569
00:26:03,680 --> 00:26:05,800
Speaker 1: that they're wanting. Is that something that you can provide?

570
00:26:06,040 --> 00:26:07,880
Speaker 3: You know what I mean. And so that's something that

571
00:26:07,880 --> 00:26:09,399
Speaker 3: that's been swirling around in my head.

572
00:26:09,560 --> 00:26:12,520
Speaker 1: And so I just say, for you, you want to

573
00:26:12,560 --> 00:26:14,920
Speaker 1: get really clear about first things First, how do you

574
00:26:14,960 --> 00:26:18,080
Speaker 1: want life to look? Because if you start externally, you

575
00:26:18,160 --> 00:26:20,800
Speaker 1: end externally. You want to start internally to say, I

576
00:26:20,840 --> 00:26:23,000
Speaker 1: want my life to look like this. I want to

577
00:26:23,040 --> 00:26:26,000
Speaker 1: be to do no more than two lives a month.

578
00:26:26,000 --> 00:26:27,840
Speaker 1: I don't know, I'm just making it up, you know.

579
00:26:28,080 --> 00:26:30,399
Speaker 1: I want to not have like I only have a

580
00:26:30,440 --> 00:26:32,640
Speaker 1: team meeting every two weeks. This is me And when

581
00:26:32,640 --> 00:26:34,440
Speaker 1: I do sometimes it's a walking team meeting where I'm

582
00:26:34,440 --> 00:26:36,440
Speaker 1: walking in the park. That was something that I really

583
00:26:36,480 --> 00:26:38,639
Speaker 1: wanted to be able to go outside every single day

584
00:26:38,680 --> 00:26:41,520
Speaker 1: as long as weather permitting. You know, I wanted a

585
00:26:41,560 --> 00:26:43,520
Speaker 1: team that did not need to be babysad. So I

586
00:26:43,520 --> 00:26:47,000
Speaker 1: have to be very intentional of hiring and letting go.

587
00:26:47,119 --> 00:26:48,720
Speaker 1: I had to let go more than half my team

588
00:26:49,200 --> 00:26:51,560
Speaker 1: of people who did not need to be babysad. Then

589
00:26:51,600 --> 00:26:56,320
Speaker 1: they're fully autonomous. They had the agency. And so you see,

590
00:26:56,359 --> 00:26:59,680
Speaker 1: like if you're wanting a thing in business or otherwise,

591
00:27:00,040 --> 00:27:03,000
Speaker 1: it's really the foundational component that's going to allow you

592
00:27:03,040 --> 00:27:05,679
Speaker 1: to have it. And maintain it. And so do you

593
00:27:05,720 --> 00:27:08,720
Speaker 1: have the savings, do you have the team? Are you

594
00:27:08,800 --> 00:27:10,919
Speaker 1: clear about how you even wanted to look? And then

595
00:27:10,960 --> 00:27:13,160
Speaker 1: you put it into practice. So I get to live

596
00:27:13,240 --> 00:27:15,359
Speaker 1: the very thing that was in my head, which is

597
00:27:15,440 --> 00:27:19,600
Speaker 1: like all this time available to me, a team that

598
00:27:19,640 --> 00:27:22,600
Speaker 1: doesn't need me to babysit them, you know, like people

599
00:27:22,680 --> 00:27:26,159
Speaker 1: work joyfully. I make good money, although maybe less than

600
00:27:26,400 --> 00:27:28,800
Speaker 1: last year because we're making that pivot. But the pivot

601
00:27:28,800 --> 00:27:30,639
Speaker 1: does not require me to be on a plane every week.

602
00:27:30,960 --> 00:27:34,160
Speaker 1: And so I'm living the thing that I intended then

603
00:27:34,200 --> 00:27:37,679
Speaker 1: build a foundation for and then work through. And so

604
00:27:37,760 --> 00:27:40,280
Speaker 1: first it starts with your intention, Berna, like I want

605
00:27:40,320 --> 00:27:41,359
Speaker 1: this to be the thing.

606
00:27:41,800 --> 00:27:43,280
Speaker 3: What foundation do I need?

607
00:27:43,640 --> 00:27:45,119
Speaker 1: And then you have to take it to the streets

608
00:27:45,119 --> 00:27:48,240
Speaker 1: and practice it and then adjust as you go, knowing

609
00:27:48,600 --> 00:27:50,880
Speaker 1: that like it might look like I make a little

610
00:27:50,960 --> 00:27:53,840
Speaker 1: less temporarily, but that's part of the pivot, and the

611
00:27:53,960 --> 00:27:57,200
Speaker 1: sooner you can get to pivoting, because eventually what happens

612
00:27:57,320 --> 00:28:00,560
Speaker 1: is you will burn out and then you're to force

613
00:28:00,600 --> 00:28:02,400
Speaker 1: yourself to pivot and it's not going to be clean

614
00:28:02,440 --> 00:28:04,960
Speaker 1: and easy. So if you can pre pivot now on

615
00:28:05,119 --> 00:28:08,000
Speaker 1: your own, you know, from your you know, from a

616
00:28:08,080 --> 00:28:11,960
Speaker 1: place of like no panic, of like calmness. Then by

617
00:28:11,960 --> 00:28:14,120
Speaker 1: the time the you know, maybe that you're a little

618
00:28:14,119 --> 00:28:15,639
Speaker 1: bit over it, you're like, oh, thank goodness, I put

619
00:28:15,680 --> 00:28:18,680
Speaker 1: that stuff in place because it's only twenty five percent

620
00:28:18,720 --> 00:28:21,239
Speaker 1: of my income or five percent of whatever comes from

621
00:28:21,280 --> 00:28:23,520
Speaker 1: me being face forward. Thank goodness, I put that stuff

622
00:28:23,520 --> 00:28:24,480
Speaker 1: in place five years ago.

623
00:28:25,000 --> 00:28:26,520
Speaker 4: Yes, you know, so exactly.

624
00:28:26,600 --> 00:28:29,439
Speaker 2: That's this is exactly what I needed to hear and

625
00:28:29,480 --> 00:28:31,720
Speaker 2: like kind of the blueprint that I needed because I

626
00:28:32,320 --> 00:28:34,879
Speaker 2: understand now that I feel like a strike while the

627
00:28:34,880 --> 00:28:36,760
Speaker 2: iron tot It's kind of a little bit of a

628
00:28:36,800 --> 00:28:39,480
Speaker 2: panic at the moment because my book just came out right,

629
00:28:39,520 --> 00:28:41,840
Speaker 2: and there's like lots of like there's more media than

630
00:28:41,920 --> 00:28:44,000
Speaker 2: usual about like what I'm doing, and then there's more

631
00:28:44,040 --> 00:28:46,520
Speaker 2: eyes than usual on like what my work is. So

632
00:28:46,600 --> 00:28:48,800
Speaker 2: I feel a little bit of panic of of that pivot.

633
00:28:49,120 --> 00:28:51,480
Speaker 2: How do I how do I pivot these eyeballs and

634
00:28:51,520 --> 00:28:54,720
Speaker 2: this attention now and also in the fall, when there's

635
00:28:54,760 --> 00:28:57,080
Speaker 2: we're going to do another media cycle again and touring again.

636
00:28:57,920 --> 00:29:00,000
Speaker 2: What am I going to point people towards that will

637
00:29:00,160 --> 00:29:04,200
Speaker 2: unlock like the tools of this pivot, which is you know,

638
00:29:04,240 --> 00:29:07,760
Speaker 2: do I point people towards a membership a Patreon? Do

639
00:29:07,800 --> 00:29:11,880
Speaker 2: I point people towards courses that I made? Because and

640
00:29:12,120 --> 00:29:13,840
Speaker 2: I need to sketch this out, Like you said, what

641
00:29:14,000 --> 00:29:15,680
Speaker 2: is my five year vision of? Like what do I

642
00:29:15,720 --> 00:29:18,400
Speaker 2: want my life to feel like in five years? I

643
00:29:18,480 --> 00:29:20,800
Speaker 2: want that, like I have a team that I trust

644
00:29:20,880 --> 00:29:24,200
Speaker 2: that I'm I don't. I honestly, I've seen this through practice.

645
00:29:24,200 --> 00:29:26,400
Speaker 2: I don't think I'm an amazing people manager. I want

646
00:29:26,440 --> 00:29:29,880
Speaker 2: a team that I can trust with a person who

647
00:29:29,960 --> 00:29:32,200
Speaker 2: manages the team too, a person that I can trust

648
00:29:32,200 --> 00:29:35,280
Speaker 2: to manage the team that I want to be able

649
00:29:35,280 --> 00:29:38,120
Speaker 2: to be selective about being on camera a few times

650
00:29:38,360 --> 00:29:41,400
Speaker 2: a quarter or producing fun things like a few times

651
00:29:41,480 --> 00:29:44,400
Speaker 2: per quarter and not every single day. I'm getting on

652
00:29:44,440 --> 00:29:48,000
Speaker 2: Instagram and being like, you know, pills or whatever I want.

653
00:29:48,560 --> 00:29:51,160
Speaker 2: And like I was saying before, I want enough space

654
00:29:51,360 --> 00:29:53,160
Speaker 2: to check out for the summer so I could be

655
00:29:53,160 --> 00:29:55,920
Speaker 2: that summer camp on tee and whatever passive tools are

656
00:29:55,960 --> 00:29:57,880
Speaker 2: in place are like working for me through the summer

657
00:29:58,080 --> 00:29:59,480
Speaker 2: so that when I get back in the fall, I'm

658
00:29:59,480 --> 00:29:59,960
Speaker 2: not like, oh.

659
00:29:59,880 --> 00:30:01,960
Speaker 4: My, we got to run around and make money again.

660
00:30:02,800 --> 00:30:04,800
Speaker 2: This is so great, Like now I want to I

661
00:30:04,840 --> 00:30:06,560
Speaker 2: know exactly what I want to chew on the summer

662
00:30:06,960 --> 00:30:08,840
Speaker 2: of basically yourself.

663
00:30:08,480 --> 00:30:09,800
Speaker 3: Like what is the return on investment?

664
00:30:09,840 --> 00:30:11,840
Speaker 1: So the questions I ask my team every time you

665
00:30:11,880 --> 00:30:13,760
Speaker 1: meet is the same, I say, you know, like first

666
00:30:13,800 --> 00:30:15,520
Speaker 1: I ask them, how's your weekend? Like this is I

667
00:30:15,560 --> 00:30:17,520
Speaker 1: just had this meeting this morning, so it's super fresh.

668
00:30:17,960 --> 00:30:23,320
Speaker 1: It's my CFO, my content manager and director, my like

669
00:30:23,400 --> 00:30:26,880
Speaker 1: logistics manager and like project manager.

670
00:30:26,960 --> 00:30:28,240
Speaker 3: So we get on a call, you know.

671
00:30:28,200 --> 00:30:30,600
Speaker 1: I always ask them how because and you say you're

672
00:30:30,640 --> 00:30:33,320
Speaker 1: not a good people manager, and I certainly was not

673
00:30:33,520 --> 00:30:35,520
Speaker 1: at first, but you grow to that, like you want

674
00:30:35,560 --> 00:30:38,560
Speaker 1: that's a skill set that's really important to develop, you know, yeah,

675
00:30:38,560 --> 00:30:41,480
Speaker 1: because you have intrinsic kindness, like that's the first start,

676
00:30:41,600 --> 00:30:43,640
Speaker 1: which I'm much better now. And so anyway, so I

677
00:30:43,680 --> 00:30:46,200
Speaker 1: always ask me, know, how's your weekend, how was yesterday?

678
00:30:46,240 --> 00:30:46,520
Speaker 3: Whatever?

679
00:30:46,600 --> 00:30:48,760
Speaker 1: You know, just to connect and share how mine was.

680
00:30:49,760 --> 00:30:52,960
Speaker 1: Then I asked basic questions, what are you working on?

681
00:30:53,440 --> 00:30:55,240
Speaker 1: So cause I want everyone to hear what are you

682
00:30:55,280 --> 00:30:59,240
Speaker 1: working on? What is working you know? What challenges might

683
00:30:59,320 --> 00:31:02,960
Speaker 1: you be having? And most recently I started asking is

684
00:31:03,000 --> 00:31:04,120
Speaker 1: it worth it to continue?

685
00:31:04,280 --> 00:31:06,000
Speaker 3: Is the juice worth the squeeze.

686
00:31:06,280 --> 00:31:09,200
Speaker 1: Oh, because I found out that we'd be working on

687
00:31:09,240 --> 00:31:11,840
Speaker 1: something and the person working on it would be like,

688
00:31:11,880 --> 00:31:14,160
Speaker 1: this is not even worth it. But they're like Tiffany said,

689
00:31:14,160 --> 00:31:16,160
Speaker 1: we doing it, so we're doing it. And I'm like, no, girl,

690
00:31:16,840 --> 00:31:18,800
Speaker 1: I don't. I'm not emotionally tied to that thing. If

691
00:31:18,800 --> 00:31:20,800
Speaker 1: it's not worth it, we could. I tell them all

692
00:31:20,840 --> 00:31:22,360
Speaker 1: the time, I don't care. If we're at ninety nine

693
00:31:22,360 --> 00:31:26,120
Speaker 1: percent completion and you're like, girl, this lift there's no

694
00:31:26,160 --> 00:31:28,280
Speaker 1: real return on impact or income.

695
00:31:28,280 --> 00:31:30,360
Speaker 3: Then we can stop. Today. We are the queens of

696
00:31:30,360 --> 00:31:33,560
Speaker 3: the castle. I'm always empowering them, like you literally get

697
00:31:33,560 --> 00:31:34,880
Speaker 3: to decide. I'm here to just say.

698
00:31:34,800 --> 00:31:38,680
Speaker 1: Okay, and so what are you working on, what's working,

699
00:31:38,840 --> 00:31:40,160
Speaker 1: what's like, what's not working?

700
00:31:40,600 --> 00:31:42,800
Speaker 3: And is the juice worth the squeeze? Those are the.

701
00:31:42,720 --> 00:31:46,000
Speaker 1: Four questions that you know, I asked them, and in

702
00:31:46,120 --> 00:31:49,080
Speaker 1: doing so, what it allows us to do, especially when

703
00:31:49,120 --> 00:31:52,320
Speaker 1: you're in a pre pivot, that is the juice worth

704
00:31:52,360 --> 00:31:52,960
Speaker 1: the squeeze?

705
00:31:53,040 --> 00:31:56,040
Speaker 3: So important? That return on investment, you know, Like I'll

706
00:31:56,080 --> 00:31:56,760
Speaker 3: give you an example.

707
00:31:57,320 --> 00:31:59,640
Speaker 1: I was hosting these things called wealth walks, which were great,

708
00:31:59,640 --> 00:32:04,000
Speaker 1: and I I said something offhanded and I said, oh,

709
00:32:04,080 --> 00:32:06,080
Speaker 1: you know these walthwalks. I love doing that because such

710
00:32:06,080 --> 00:32:08,240
Speaker 1: a lightlift, you know, because I just got to show

711
00:32:08,280 --> 00:32:09,680
Speaker 1: up at the park. We walk and then we sit

712
00:32:09,720 --> 00:32:11,480
Speaker 1: on the blanket we talked. The first one we did

713
00:32:11,560 --> 00:32:12,240
Speaker 1: was like fifty.

714
00:32:11,960 --> 00:32:12,560
Speaker 3: Women showed up.

715
00:32:12,600 --> 00:32:14,920
Speaker 1: It was awesome. Oh and I was saying it to

716
00:32:15,040 --> 00:32:16,720
Speaker 1: like one of my team members. I just was talking

717
00:32:16,760 --> 00:32:18,320
Speaker 1: to her on the phone, just checking on her. How

718
00:32:18,360 --> 00:32:20,560
Speaker 1: the kids da da da, And I said, oh, yeah,

719
00:32:20,560 --> 00:32:22,000
Speaker 1: the Wealthwalk was so fun. I can't wait to the

720
00:32:22,080 --> 00:32:24,320
Speaker 1: next one. She was laughing. I said why. She was like, oh,

721
00:32:24,360 --> 00:32:26,280
Speaker 1: it's always funny when you say something is a lightlift.

722
00:32:26,320 --> 00:32:27,520
Speaker 1: I was like, wait what.

723
00:32:28,200 --> 00:32:30,000
Speaker 3: She's like, Oh girl, it's not like live right here

724
00:32:30,160 --> 00:32:31,000
Speaker 3: like the team has to do.

725
00:32:33,400 --> 00:32:37,560
Speaker 1: I was like, wait what. She was like, oh yeah,

726
00:32:37,600 --> 00:32:40,800
Speaker 1: she was like, wait, you didn't realize. I'm like, she said,

727
00:32:40,840 --> 00:32:43,920
Speaker 1: it's not a lightlift. My heart dropped, and I'm like,

728
00:32:43,920 --> 00:32:45,640
Speaker 1: oh my gosh, my already stressed team.

729
00:32:46,120 --> 00:32:47,760
Speaker 3: I'm stressing them out because I want to walk in

730
00:32:47,760 --> 00:32:48,800
Speaker 3: the pork with the girls.

731
00:32:49,080 --> 00:32:50,840
Speaker 4: You're like, let's do this three times a week.

732
00:32:51,760 --> 00:32:53,960
Speaker 1: And then on top of that, those Wealth walk I

733
00:32:54,000 --> 00:32:56,360
Speaker 1: mean it's free, there's no return, there's no, I mean, sure,

734
00:32:56,440 --> 00:32:58,760
Speaker 1: is there impact for the fifty women that are there, Yes,

735
00:32:58,760 --> 00:33:01,840
Speaker 1: but there's also no income. And I was like, oh

736
00:33:01,880 --> 00:33:03,840
Speaker 1: my goodness. And so I went back to the team.

737
00:33:03,880 --> 00:33:06,320
Speaker 1: I was like, is this That's when I added is

738
00:33:06,400 --> 00:33:07,800
Speaker 1: the juice worth the squeeze?

739
00:33:08,040 --> 00:33:08,200
Speaker 2: Right?

740
00:33:08,760 --> 00:33:10,200
Speaker 3: And they were like it's not.

741
00:33:10,280 --> 00:33:12,800
Speaker 1: I was like, then we stop now we have one

742
00:33:12,800 --> 00:33:14,440
Speaker 1: schedule and we're like we have this one more schedule

743
00:33:14,440 --> 00:33:16,600
Speaker 1: which we're going to do, but we stop now. But

744
00:33:16,640 --> 00:33:19,320
Speaker 1: do you see how important it is to like you

745
00:33:19,440 --> 00:33:23,040
Speaker 1: have to check in and depending like we if we

746
00:33:23,040 --> 00:33:25,600
Speaker 1: were making hell of money and like that is like,

747
00:33:25,600 --> 00:33:28,480
Speaker 1: like we're super good, like the budget says in transition.

748
00:33:28,760 --> 00:33:31,080
Speaker 3: So if it was all this money that was just flowing.

749
00:33:30,800 --> 00:33:33,680
Speaker 1: In automatically, then we have time for a little wealth

750
00:33:33,680 --> 00:33:34,640
Speaker 1: walk because we're not busy.

751
00:33:34,760 --> 00:33:36,480
Speaker 3: Let's just do it. It's cute. No.

752
00:33:36,680 --> 00:33:39,640
Speaker 1: Right now, we are in pre pivot mode and so

753
00:33:39,800 --> 00:33:42,800
Speaker 1: everything we do has to make impact and income. We

754
00:33:42,800 --> 00:33:45,520
Speaker 1: cannot wait on both. We have to do both, you know,

755
00:33:45,840 --> 00:33:47,640
Speaker 1: we can't wait like, oh, the impact is not for

756
00:33:47,640 --> 00:33:49,840
Speaker 1: two years. No, we need to make impact now. All

757
00:33:49,880 --> 00:33:52,320
Speaker 1: the income you know we'll see in six months. No,

758
00:33:52,400 --> 00:33:54,560
Speaker 1: we need to make income now. And so just keep

759
00:33:54,560 --> 00:33:56,840
Speaker 1: that in mind as you're you know, making this pre pivot,

760
00:33:56,920 --> 00:33:59,200
Speaker 1: like does this thing make sense? Is it making the

761
00:33:59,240 --> 00:34:01,840
Speaker 1: impact I want from audience? And isn't making the income

762
00:34:01,880 --> 00:34:04,480
Speaker 1: that I'm needing, you know, in order to have my

763
00:34:04,560 --> 00:34:07,480
Speaker 1: goals be met? And then once you know, you might

764
00:34:07,480 --> 00:34:09,680
Speaker 1: think to yourself, oh, when I'm in the summer, Like

765
00:34:09,719 --> 00:34:11,960
Speaker 1: I challenge you to think that, like do I have

766
00:34:12,040 --> 00:34:14,600
Speaker 1: to make money during the summer or do I make

767
00:34:14,719 --> 00:34:16,080
Speaker 1: enough money before.

768
00:34:15,800 --> 00:34:18,960
Speaker 3: The summer to see me through? You see what I mean?

769
00:34:19,160 --> 00:34:21,800
Speaker 1: Like if I'm like, oh, okay, because when I was

770
00:34:21,800 --> 00:34:24,480
Speaker 1: a school teacher, that's what happened, Like we worked ten months,

771
00:34:24,480 --> 00:34:26,880
Speaker 1: but I didn't get paid in the summertime. They used

772
00:34:26,880 --> 00:34:29,759
Speaker 1: to literally pull money out of our paychecks. And if

773
00:34:29,760 --> 00:34:32,279
Speaker 1: we can get money, so that money. So it's like,

774
00:34:32,400 --> 00:34:33,880
Speaker 1: you know, it would be like I don't know, you know,

775
00:34:33,920 --> 00:34:36,480
Speaker 1: you take an extra whatever twenty percent and in the

776
00:34:36,520 --> 00:34:39,840
Speaker 1: summer I got that money from the school district to

777
00:34:39,920 --> 00:34:41,000
Speaker 1: see me through the summertime.

778
00:34:41,040 --> 00:34:41,600
Speaker 3: You see what I mean?

779
00:34:41,800 --> 00:34:43,439
Speaker 1: So you can do that for yourself as well, because

780
00:34:43,480 --> 00:34:45,160
Speaker 1: sometimes we'll get tied up and like this is what

781
00:34:45,200 --> 00:34:46,520
Speaker 1: it has to look like. It's like, no, what are

782
00:34:46,520 --> 00:34:48,960
Speaker 1: you actually really saying, You're really saying, I just want

783
00:34:48,960 --> 00:34:51,040
Speaker 1: to have enough money to see me through. And so

784
00:34:51,120 --> 00:34:52,719
Speaker 1: and I'll end on this that this is something I

785
00:34:52,760 --> 00:34:55,560
Speaker 1: was talking. So I have the CEO of my online

786
00:34:55,600 --> 00:34:58,359
Speaker 1: school of the Literature Academy, but I also mentor Tammer too,

787
00:34:58,400 --> 00:35:00,480
Speaker 1: because I was a CEO there for like the last

788
00:35:00,480 --> 00:35:03,640
Speaker 1: six years. And so we were talking this morning, and

789
00:35:03,800 --> 00:35:06,319
Speaker 1: we're pivoting there as well, and like I had an

790
00:35:06,360 --> 00:35:08,160
Speaker 1: aha moment of it. It's something new that we're going

791
00:35:08,200 --> 00:35:10,240
Speaker 1: to be doing that's going to really transform our business.

792
00:35:10,600 --> 00:35:13,319
Speaker 1: And I told her, I said I, and I tell

793
00:35:13,320 --> 00:35:16,359
Speaker 1: you listening to and you Burner, then what you will

794
00:35:16,400 --> 00:35:19,920
Speaker 1: find is that the better the question you ask, the

795
00:35:19,920 --> 00:35:23,520
Speaker 1: better the answer. So what that means is that in

796
00:35:23,600 --> 00:35:26,000
Speaker 1: the beginning, you know, like when you're first trying to

797
00:35:26,040 --> 00:35:29,920
Speaker 1: like suss out like what change should I make? What

798
00:35:30,000 --> 00:35:32,960
Speaker 1: should I be doing next? That question what should I

799
00:35:33,000 --> 00:35:35,720
Speaker 1: be doing next? Is like it's a good base question,

800
00:35:36,120 --> 00:35:38,040
Speaker 1: but the answer is going to be only as vague

801
00:35:38,040 --> 00:35:38,759
Speaker 1: as a question is.

802
00:35:39,320 --> 00:35:40,480
Speaker 3: So it's going to be like huh.

803
00:35:40,520 --> 00:35:43,839
Speaker 1: So as you ask more questions, your questions are going

804
00:35:43,880 --> 00:35:46,719
Speaker 1: to be clear and clear and by nature of there

805
00:35:46,760 --> 00:35:49,640
Speaker 1: being a question, the answer is born simultaneously.

806
00:35:49,640 --> 00:35:50,240
Speaker 3: There are twins.

807
00:35:50,719 --> 00:35:53,520
Speaker 1: Yes, you know, and so if you can say it's

808
00:35:53,600 --> 00:35:55,080
Speaker 1: so you want to get to the point where you're

809
00:35:55,120 --> 00:35:57,560
Speaker 1: not asking like it's a good place to say what

810
00:35:57,600 --> 00:35:59,200
Speaker 1: should I be doing next? But you want to get

811
00:35:59,200 --> 00:36:01,719
Speaker 1: to the point you're literally asking what's what's one plus one?

812
00:36:02,600 --> 00:36:04,640
Speaker 3: Because then the answer is too very.

813
00:36:04,440 --> 00:36:07,400
Speaker 1: Definitive answer that's out there for you, and so for you,

814
00:36:07,800 --> 00:36:10,440
Speaker 1: like you know, start working your mind into more, like,

815
00:36:11,120 --> 00:36:13,279
Speaker 1: you know, in general, how do I want life to go?

816
00:36:13,560 --> 00:36:15,719
Speaker 1: How do I specifically want business to go on this way?

817
00:36:15,800 --> 00:36:17,439
Speaker 1: How could I make this amount of money?

818
00:36:17,600 --> 00:36:17,879
Speaker 3: You see?

819
00:36:17,920 --> 00:36:20,239
Speaker 1: Then all of a sudden, the question then becomes how

820
00:36:20,239 --> 00:36:24,040
Speaker 1: do I make reoccurring income in a way that that

821
00:36:24,080 --> 00:36:25,839
Speaker 1: I can make enough money? Then all of a sudden,

822
00:36:25,880 --> 00:36:27,759
Speaker 1: it's like, oh, there's an answer to that because that

823
00:36:27,840 --> 00:36:31,000
Speaker 1: question is so specific, and so the better the question,

824
00:36:31,040 --> 00:36:33,279
Speaker 1: the better the answer. And there's nothing wrong with having

825
00:36:33,320 --> 00:36:35,759
Speaker 1: the bag question. That's how you start. Yes, But I

826
00:36:35,800 --> 00:36:37,600
Speaker 1: told Tam today, I said, you see the answer that

827
00:36:37,600 --> 00:36:40,400
Speaker 1: we just received because we've been asking the question for

828
00:36:40,520 --> 00:36:43,800
Speaker 1: a year and getting better and better and chipping away

829
00:36:44,080 --> 00:36:46,839
Speaker 1: at the unnecessary parts of the question. And so now

830
00:36:46,840 --> 00:36:49,640
Speaker 1: we have a such a clear question that we finally

831
00:36:49,640 --> 00:36:51,480
Speaker 1: got a really clear answer about what we're supposed to

832
00:36:51,520 --> 00:36:54,880
Speaker 1: do next, right, And so that's just like, yeah, the

833
00:36:54,920 --> 00:36:56,920
Speaker 1: better the question, the better the answer. Just know that

834
00:36:57,160 --> 00:36:59,160
Speaker 1: if you can get clear about the question, its answer

835
00:36:59,200 --> 00:37:01,319
Speaker 1: was born simultane Now awll you got to do is

836
00:37:01,360 --> 00:37:01,879
Speaker 1: go find it.

837
00:37:02,560 --> 00:37:04,640
Speaker 2: Well, that's what's funny is even as I'm sitting here,

838
00:37:04,680 --> 00:37:09,640
Speaker 2: I'm like, I'm outlining more specific parts of the question

839
00:37:09,760 --> 00:37:12,600
Speaker 2: for myself, Like the umbrella question is what do I

840
00:37:12,640 --> 00:37:16,120
Speaker 2: do next? And in my mind I'm like, well, like, okay, well,

841
00:37:16,120 --> 00:37:17,880
Speaker 2: what's the amount of income that I can make so

842
00:37:17,920 --> 00:37:21,000
Speaker 2: that I can take off summers to be at summer camp?

843
00:37:21,239 --> 00:37:23,200
Speaker 2: So how many months am I working? How many months

844
00:37:23,200 --> 00:37:24,719
Speaker 2: am I not working? What does that income look like?

845
00:37:25,560 --> 00:37:27,360
Speaker 2: What then would lead to that income? How much of

846
00:37:27,400 --> 00:37:28,759
Speaker 2: that do I want to be passive? How much of

847
00:37:28,800 --> 00:37:30,520
Speaker 2: that do I want to be on camera? Like, this

848
00:37:30,560 --> 00:37:32,240
Speaker 2: is what's going on in my brain as you're talking,

849
00:37:32,480 --> 00:37:34,600
Speaker 2: and again, like asking the umbrella question and talking it

850
00:37:34,600 --> 00:37:36,480
Speaker 2: through you, I'm like, oh, what you came out of

851
00:37:36,520 --> 00:37:39,560
Speaker 2: this was more questions, But it's almost like a worksheet

852
00:37:39,600 --> 00:37:42,800
Speaker 2: now as opposed to like a theory. Now it's like, oh,

853
00:37:42,840 --> 00:37:44,520
Speaker 2: when you fill in this blank, will fill in this blank,

854
00:37:44,520 --> 00:37:46,239
Speaker 2: will fill in this blank, and then it's a plan.

855
00:37:46,719 --> 00:37:48,879
Speaker 2: And that's like more of what I'm working towards.

856
00:37:48,960 --> 00:37:49,600
Speaker 4: I know that now.

857
00:37:50,040 --> 00:37:53,360
Speaker 2: Now, like this summer is the like bit hit the

858
00:37:53,400 --> 00:37:54,520
Speaker 2: big reset button for me.

859
00:37:54,680 --> 00:37:55,799
Speaker 4: So it's a big question time.

860
00:37:56,080 --> 00:37:58,239
Speaker 2: But I can already see of just like well, I'm

861
00:37:58,239 --> 00:37:59,800
Speaker 2: thinking even by the end of this summer, end of

862
00:37:59,800 --> 00:38:02,040
Speaker 2: this like next quarter, I'm going to have more of

863
00:38:02,080 --> 00:38:05,000
Speaker 2: a like almost like mad libs of just like in

864
00:38:05,120 --> 00:38:07,160
Speaker 2: order to for my life to look like X, I

865
00:38:07,160 --> 00:38:09,719
Speaker 2: need to earn why. Here's the lever I'm gonna pull

866
00:38:09,760 --> 00:38:17,759
Speaker 2: for this and this to earn why. Like I'm like, yeah,

867
00:38:17,960 --> 00:38:19,200
Speaker 2: like because it's empowering.

868
00:38:19,280 --> 00:38:21,600
Speaker 3: You're like, I'm not I'm not a victim in this.

869
00:38:22,200 --> 00:38:25,480
Speaker 1: I'm not like this bystander, Like I am actively making

870
00:38:25,520 --> 00:38:27,760
Speaker 1: the thing happen, you know.

871
00:38:27,760 --> 00:38:30,040
Speaker 2: And then if you go step by step, yeah, like

872
00:38:30,239 --> 00:38:32,799
Speaker 2: I'm like, oh, business, this is the question. I'm like, Oh,

873
00:38:32,800 --> 00:38:36,120
Speaker 2: I can and finding too. As I'm answering asking those questions,

874
00:38:36,160 --> 00:38:37,920
Speaker 2: I'm like I can find the answer to that questions.

875
00:38:38,760 --> 00:38:40,239
Speaker 2: And then once I have that question. If I just

876
00:38:40,239 --> 00:38:41,600
Speaker 2: do the math, I can find the answer to the

877
00:38:41,640 --> 00:38:44,520
Speaker 2: next question, Okay, and it like it starts to branch out.

878
00:38:44,600 --> 00:38:47,080
Speaker 2: So I'm just like it's I'm like having like a

879
00:38:47,160 --> 00:38:51,160
Speaker 2: Jimmy neutron. That's so yeah, Like my brain's going like, oh, okay,

880
00:38:51,239 --> 00:38:51,719
Speaker 2: we can do this.

881
00:38:51,719 --> 00:38:52,200
Speaker 4: We can do this.

882
00:38:52,239 --> 00:38:53,439
Speaker 3: We just need to like take the time.

883
00:38:54,040 --> 00:38:56,520
Speaker 1: That's the favorite part of business, honestly, because the thing

884
00:38:56,640 --> 00:38:58,839
Speaker 1: is that people don't understand that when business is good,

885
00:38:58,960 --> 00:39:03,600
Speaker 1: it's hard. When business is bad, it's harder, yes, you know,

886
00:39:03,920 --> 00:39:06,319
Speaker 1: and so business is not easy, but it doesn't mean

887
00:39:06,360 --> 00:39:07,000
Speaker 1: it's not joyful.

888
00:39:07,000 --> 00:39:09,040
Speaker 3: It doesn't mean that has to be overwhelming or overworking

889
00:39:09,080 --> 00:39:09,440
Speaker 3: or whatever.

890
00:39:09,640 --> 00:39:09,839
Speaker 2: You know.

891
00:39:09,880 --> 00:39:12,080
Speaker 1: That's not what I'm saying, is that like we're not

892
00:39:12,120 --> 00:39:14,600
Speaker 1: being hard, I mean challenging, but in a good way.

893
00:39:15,280 --> 00:39:17,480
Speaker 1: You know, it grows you all of a sudden. You're like,

894
00:39:17,520 --> 00:39:19,879
Speaker 1: you know, you're going to become a better leader. It's

895
00:39:19,880 --> 00:39:21,959
Speaker 1: only just the last couple of years, after fifteen years,

896
00:39:21,960 --> 00:39:24,760
Speaker 1: that I've become like a leader that I think, like, Okay, Tiffany,

897
00:39:24,880 --> 00:39:26,640
Speaker 1: I would give myself a solid.

898
00:39:26,280 --> 00:39:29,759
Speaker 3: Bee in leadership. It's been fifteen years, you know, and

899
00:39:29,840 --> 00:39:31,719
Speaker 3: so like business really grows you up.

900
00:39:32,400 --> 00:39:36,040
Speaker 1: It allows you to have unlimited potential income for yourself.

901
00:39:36,520 --> 00:39:36,719
Speaker 3: You know.

902
00:39:36,880 --> 00:39:40,400
Speaker 1: It allows you to participate more easily on lifestyle design.

903
00:39:41,000 --> 00:39:43,759
Speaker 1: You know, potentially, it can allow you to look after

904
00:39:43,840 --> 00:39:46,080
Speaker 1: your family if you so desire. You know, it can

905
00:39:46,080 --> 00:39:48,520
Speaker 1: allow you to pour right back into your community. You

906
00:39:48,520 --> 00:39:51,320
Speaker 1: can really shape your world when you're a business owner.

907
00:39:52,040 --> 00:39:55,560
Speaker 1: It's certainly not easy, but the benefits are that, and

908
00:39:55,600 --> 00:39:57,520
Speaker 1: it's not for everyone to believe me, Yes, you know,

909
00:39:57,600 --> 00:39:59,640
Speaker 1: the benefits are that because there's also a lot of

910
00:39:59,719 --> 00:40:02,840
Speaker 1: risk involved. And so I just like, I'm just like

911
00:40:02,920 --> 00:40:05,359
Speaker 1: to watch you grow and blossom and learn and your

912
00:40:05,360 --> 00:40:06,839
Speaker 1: reason know, I'm always here for you, just a phone

913
00:40:06,840 --> 00:40:09,640
Speaker 1: call or text or whatever away. But no, I love that.

914
00:40:09,719 --> 00:40:13,279
Speaker 1: So as you get like, as your questions get more

915
00:40:13,320 --> 00:40:16,160
Speaker 1: and more concrete, you know, I'm one of the resources

916
00:40:16,200 --> 00:40:18,520
Speaker 1: you can reach out to to say, Okay, So I

917
00:40:18,520 --> 00:40:21,080
Speaker 1: thought about what you said, what about this, this and this,

918
00:40:21,440 --> 00:40:23,560
Speaker 1: and what I love with a good mentor that a

919
00:40:23,600 --> 00:40:26,680
Speaker 1: good mentor is not just they don't have all the answers. Instead,

920
00:40:27,080 --> 00:40:30,440
Speaker 1: a mentor is also like a like a sponsor, you know,

921
00:40:30,520 --> 00:40:31,240
Speaker 1: and a connector.

922
00:40:31,560 --> 00:40:33,879
Speaker 3: So it's like, you know what I don't know.

923
00:40:34,080 --> 00:40:35,520
Speaker 1: Let me talk to my friends such and such, or

924
00:40:35,520 --> 00:40:37,879
Speaker 1: I'm actually going to connect you with my friend such

925
00:40:37,880 --> 00:40:38,440
Speaker 1: as such.

926
00:40:38,239 --> 00:40:40,560
Speaker 3: And she's going to talk to you, you know, and

927
00:40:40,640 --> 00:40:41,120
Speaker 3: so like.

928
00:40:41,239 --> 00:40:44,080
Speaker 1: So if y'all look it for a good mentor, I'm

929
00:40:44,120 --> 00:40:46,480
Speaker 1: just saying my mentortivity dot com.

930
00:40:46,480 --> 00:40:48,239
Speaker 3: The price is doubling, but not for you. Oh it

931
00:40:48,360 --> 00:40:49,840
Speaker 3: is like you know, you lock it bucks.

932
00:40:49,920 --> 00:40:51,600
Speaker 1: You're gotta worry about the twenty bucks a month because

933
00:40:51,600 --> 00:40:53,399
Speaker 1: tomorrow is the last day. Then the price goes up.

934
00:40:53,719 --> 00:40:54,359
Speaker 1: I don't want to hear.

935
00:40:54,440 --> 00:40:57,800
Speaker 3: I live in Hawaii and I didn't know. It's like

936
00:40:58,760 --> 00:41:01,400
Speaker 3: it's over. You know, you can still pay twenty bucks,

937
00:41:01,440 --> 00:41:04,240
Speaker 3: but why pay twenty week? You pay ten? The link

938
00:41:04,320 --> 00:41:06,520
Speaker 3: for my mentor Tiffany will be in the show notes.

939
00:41:07,880 --> 00:41:13,960
Speaker 1: But also and we have a book. Berna a not

940
00:41:14,640 --> 00:41:17,920
Speaker 1: she's been here. Not only a businesswoman, she is a

941
00:41:18,120 --> 00:41:20,640
Speaker 1: financial educator and one that is one of my favorites

942
00:41:20,640 --> 00:41:24,440
Speaker 1: because she is fun, she is aligned, she is authentic,

943
00:41:24,920 --> 00:41:27,240
Speaker 1: and she's just really smart.

944
00:41:27,640 --> 00:41:31,319
Speaker 3: Money out loud is available whoever books were sold, but

945
00:41:31,320 --> 00:41:33,480
Speaker 3: we're gonna find you and the book. Berna.

946
00:41:34,640 --> 00:41:36,560
Speaker 2: I'm having a funny moment right now because I've straight

947
00:41:36,640 --> 00:41:37,920
Speaker 2: up forgot that recording a pod.

948
00:41:38,040 --> 00:41:39,160
Speaker 4: We're recording a podcast.

949
00:41:39,200 --> 00:41:42,160
Speaker 2: But I'm just I'm like, all these people are witnessing

950
00:41:43,080 --> 00:41:45,960
Speaker 2: like incredible mentorship convers like, this is what it's like

951
00:41:46,120 --> 00:41:48,560
Speaker 2: to be a mentee with Tiffany. I again, can I

952
00:41:48,640 --> 00:41:51,040
Speaker 2: just double click if you're wondering what you would get

953
00:41:51,080 --> 00:41:54,279
Speaker 2: inside of my mentor Tiffany. I can't guarantee that you're

954
00:41:54,280 --> 00:41:57,560
Speaker 2: gonna have one on one, long, beautiful recorded conversations with Tiffany,

955
00:41:57,560 --> 00:42:00,719
Speaker 2: But like I forgot that we're recording fo this is

956
00:42:00,760 --> 00:42:03,600
Speaker 2: how magical the mentorship is for me, and to just

957
00:42:03,600 --> 00:42:05,680
Speaker 2: get a piece of that, it is so worth it

958
00:42:05,719 --> 00:42:08,600
Speaker 2: at ten at twenty, like please don't be don't be ridiculous,

959
00:42:08,719 --> 00:42:12,600
Speaker 2: do it. I'm I'm living sitting proof that her mentorship

960
00:42:12,640 --> 00:42:17,920
Speaker 2: is magical. But I can be found at Hayburna everywhere

961
00:42:18,120 --> 00:42:21,720
Speaker 2: on Instagram most principally, I'm like the most annoying on Instagram,

962
00:42:22,440 --> 00:42:23,759
Speaker 2: and then you could find the book. You can find

963
00:42:23,760 --> 00:42:25,759
Speaker 2: the book at Hayburna dot com. Anywhere that you buy

964
00:42:25,760 --> 00:42:28,440
Speaker 2: the book. I always go and tell people by local

965
00:42:28,800 --> 00:42:31,560
Speaker 2: hit up hit up bookshop dot org because that's where

966
00:42:31,560 --> 00:42:34,879
Speaker 2: you can support indie bookstores It took me a minute

967
00:42:34,880 --> 00:42:36,520
Speaker 2: to get back into like talking to other people in

968
00:42:36,560 --> 00:42:39,280
Speaker 2: the mic mode because I'm like, it's not a phone call. Okay, Sorry,

969
00:42:39,520 --> 00:42:42,520
Speaker 2: Hi everyone, Hi, Hi, and by forgot y'all are there?

970
00:42:45,239 --> 00:42:47,560
Speaker 1: Oh Bernida the awesomest thank you so much for coming

971
00:42:47,600 --> 00:42:48,400
Speaker 1: on again.

972
00:42:49,080 --> 00:42:50,800
Speaker 3: Oh so we'll have you on again.

973
00:42:51,640 --> 00:42:54,080
Speaker 1: But yes, if you guys have a question for Baqa again,

974
00:42:54,360 --> 00:42:59,200
Speaker 1: brannonbistionpodcast dot com. Click contact button Brown and Bishpodcast at

975
00:42:59,239 --> 00:43:02,160
Speaker 1: gmail dot com. You can email us. We're a brown

976
00:43:02,160 --> 00:43:04,920
Speaker 1: a Vision podcast. On Instagram, you can said it's a

977
00:43:05,000 --> 00:43:08,920
Speaker 1: d of the MS and the B eight podcast. On Twitter,

978
00:43:09,719 --> 00:43:12,160
Speaker 1: you can tweet us a question and we won't answer

979
00:43:12,200 --> 00:43:16,920
Speaker 1: them about career, business, money, and just anything else you

980
00:43:16,960 --> 00:43:17,560
Speaker 1: want to talk about.

981
00:43:17,560 --> 00:43:24,319
Speaker 2: But I'm like, Tiffany is very much alike. She could

982
00:43:24,320 --> 00:43:27,440
Speaker 2: think the word jump and I'm already I've hit the ceiling.

983
00:43:27,920 --> 00:43:32,480
Speaker 2: So if if anyone is gonna come sideways at Tiffany,

984
00:43:32,800 --> 00:43:33,480
Speaker 2: I'm not gonna lose.

985
00:43:34,200 --> 00:43:38,680
Speaker 3: So dope, honestly, yes, all right, y'all until next week, Bye, yes,

986
00:43:38,760 --> 00:43:42,040
Speaker 3: bye bye, Hey ba fam. We could not do this

987
00:43:42,160 --> 00:43:45,040
Speaker 3: show without your support or the support of our team

988
00:43:45,120 --> 00:43:46,000
Speaker 3: behind the scenes.

989
00:43:46,360 --> 00:43:49,680
Speaker 4: The Brown Ambition podcast is produced by Imani Crosby and

990
00:43:49,760 --> 00:43:53,000
Speaker 4: Dennis and Plinsky is our in house tech guru. I

991
00:43:53,200 --> 00:43:55,759
Speaker 4: am your co host Mandy Woodrif Santos, and we will

992
00:43:55,760 --> 00:43:56,640
Speaker 4: see y'all next week.

993
00:43:56,719 --> 00:43:59,800
Speaker 3: BA FAM