Speaker 1: It's time for the b a q a A to
Speaker 1: b a q a. What you said, the b a
Speaker 1: q a not Manday, but the b a q eight
Speaker 1: with tifin a, the b a q a with Bernard A.
Speaker 2: We're feeling around, were like, how we're gonna do this is.
Speaker 3: Gonna be okay. We have a guest in the Berna
Speaker 3: and not.
Speaker 1: She's got this new amazing book called Money Out Loud.
Speaker 1: If you didn't listen to the prior episode, which you
Speaker 1: want to, because it's amazing. Bernad is a new author,
Speaker 1: but she's not new to the game. She's ruse of
Speaker 1: the game. Her book is amazing and awesome. It came
Speaker 1: out about a month and a half ago. It's available everywhere.
Speaker 1: But I said, Bernard, come to the stew with us
Speaker 1: today and answer some one helped me to answer a
Speaker 1: financial question. And then two, Berna low Key high key
Speaker 1: is one of my mentees. And so she's gonna ask
Speaker 1: me a business question, which I don't know what she's
Speaker 1: gonna ask, and so we'll answer that in the second half.
Speaker 3: So let's get start.
Speaker 1: Well, first of all, Bernard, I'm acting like I didn't
Speaker 1: introduce you to the people. But that was the last,
Speaker 1: you know, the last. Let me introduce Burner. She's not
Speaker 1: just some you know, She's not just some girl off
Speaker 1: the street. Okay, anyway I am. She's an award winning producer, speaker,
Speaker 1: podcast host, and rich auntie in training and financial hype women,
Speaker 1: which is her made up way of saying. She creates
Speaker 1: financial education media all over the Internet. Born and raised
Speaker 1: in the Bay and a prowd and a proud Okay,
Speaker 1: I don't know why because I'm like Filipina. I don't
Speaker 1: know why. I'm like, I know, but you know it
Speaker 1: because the app has thrown me off. Anyway, Filipina America.
Speaker 4: It's perfect. It's perfect.
Speaker 1: Hey, daughter of immigrants, she taught herself how to pay
Speaker 1: off over fifty thousand dollars of debt and then did
Speaker 1: what any millennial would do yelled about it on the Internet.
Speaker 1: Bernard's work has been featured on platforms like Forbes, New
Speaker 1: York Times, and BuzzFeed. She received a Pollutus Award for
Speaker 1: Most Entertaining Financial Content Creator. The Pollutice Awards are like
Speaker 1: the Ammys of the Oscars of the financial education space.
Speaker 1: Big deal, and she did it not one year, but
Speaker 1: two years in a row and was named abs. She
Speaker 1: was named the Global pinoy Idol. What year was that
Speaker 1: was that recently?
Speaker 4: This was I want to say twenty twenty A little bit,
Speaker 4: no matter.
Speaker 1: But you can find bernerd online at hayberner on all
Speaker 1: the platforms, in heyburner dot com or curled up with
Speaker 1: her nieces watching.
Speaker 3: The office the office scene.
Speaker 1: Now, Oh, so Berna's in the still and we're going
Speaker 1: to take a question and Berna's gonna help me answer it,
Speaker 1: and then Berna's going to ask her own business question.
Speaker 1: Few questions for you. I need a little change. At
Speaker 1: fifty three? Am I too old to buy a home?
Speaker 1: Too old to change careers? The new career would be
Speaker 1: in LPN, which is a type of nurse. I believe, girl,
Speaker 1: don't give me the line. She also says that it's
Speaker 1: being said that the US dollar is losing value? What
Speaker 1: does that even mean to us? Should I even try
Speaker 1: to buy a home anymore? Should people leave the US?
Speaker 1: Sounds like prices or skyrocketing even more? This is not flacking.
Speaker 1: I'm like, oh, girl, getting nervous. Just in My blood
Speaker 1: pressure is going up.
Speaker 3: Bleed, bleed. I just thought of something else.
Speaker 1: Oh my gosh, mL said I'm exploring housing options and condos,
Speaker 1: then mobile homes starts to show up. I've seen some
Speaker 1: beautiful ones. Do you know if they earn equity? Is
Speaker 1: that a waste of money? Do I even consider it?
Speaker 1: M L has like this like ten questions.
Speaker 2: Here, it's EML is spiraling, EMIL is spiraling up down
Speaker 2: around spiring.
Speaker 3: So let's help perus O Berner, what would you say?
Speaker 1: Just like initial reaction to ML's fifty one questions.
Speaker 2: Fifty one thousand questions exactly, I'm like, we ask twenty
Speaker 2: one question? Is that a fifty cent Yeah, I'm like,
Speaker 2: and this is also what I would have said to
Speaker 2: fifty cent at the beginning of that song breathe, hold up.
Speaker 2: Let's like a collective breath in and out, because I
Speaker 2: feel like when someone has this many questions, what they
Speaker 2: really have is one question, and like this question, all
Speaker 2: these little questions stem from the top question, and my mind,
Speaker 2: the top question is like I feel insecure financially?
Speaker 4: What do I do?
Speaker 2: And I'm that annoying person that's always like when you
Speaker 2: have a question, I have seven back to try to
Speaker 2: like get all the way to the bottom of it.
Speaker 2: But to me, it sounds like mL is at a
Speaker 2: place where she's like, I I'm panicking. I want to
Speaker 2: make options to change my financial situation. And the thing
Speaker 2: that my brain latched onto first is am I too
Speaker 2: old too? Because it sounds like I need a life
Speaker 2: change at fifty three? That's the question. I need a
Speaker 2: life change at fifty three. Now where do I go?
Speaker 2: Because now mL is like do I change my career?
Speaker 2: Do I buy a mobile home? Do I leave the country?
Speaker 2: Like do I start learning about the economy? Like I
Speaker 2: think the life change question needs to be dealt with first,
Speaker 2: and so my brain is chewing on what's the first
Speaker 2: step if if it's just there, I just need a
Speaker 2: life change at fifty three. It sounds like the rest
Speaker 2: of these questions have to do with not so much
Speaker 2: that mL is like, oh no, I need to like
Speaker 2: I absolutely need to earn more money, or like I'm
Speaker 2: covered in debt.
Speaker 4: What do I do?
Speaker 2: It's like they're looking at a lot of options to
Speaker 2: just like bring a financial change. So that's where my
Speaker 2: brain is at first.
Speaker 3: I'm like, let's start there.
Speaker 4: Where do we go?
Speaker 3: I love that?
Speaker 1: And you're right, I think that mL to Bernard's point,
Speaker 1: and I get it. We've all been here when like
Speaker 1: one thing leads to another thing leads to another thing,
Speaker 1: and it just feels so overwhelming. You know, what I
Speaker 1: read in here is uncertainty based in fear, and certainly
Speaker 1: that's not a judgment because it does feel like scary times. Yes,
Speaker 1: you know, we just came on the tail end of
Speaker 1: the pandemic, a mini recession, a potential looming recession. It's
Speaker 1: been very up and down. But I'll say this emil
Speaker 1: into anyone listening who might be feeling like everything's going
Speaker 1: to hell and back. That the economy is cyclical, Yes,
Speaker 1: meaning every ten to twelve years or so we hit
Speaker 1: a recession without fail, and about every I don't even
Speaker 1: know longer than that there's a depression, which is two
Speaker 1: consecutive years of recession, and meaning that it is normal
Speaker 1: for economies to be up and money is flowing to
Speaker 1: be down and money is tight and something in between.
Speaker 1: So there are things that are beyond your You have
Speaker 1: not done anything. Just by nature of living, you are
Speaker 1: going to live through ups, downs and in between.
Speaker 3: That's just how it goes.
Speaker 1: And so you know that you know that where we
Speaker 1: said like where we are right now, they're always saying
Speaker 1: the dollar is down, the dollar is up, and we
Speaker 1: will see it again in another twenty years, and another
Speaker 1: twenty years after that, another twenty year, you know, And
Speaker 1: so I wouldn't be so afraid of the super specifics
Speaker 1: of now other than take knowledge, Oh, this is part
Speaker 1: of the normal cycle of the economy. And if you
Speaker 1: want to ease yourself, you can literally say to yourself,
Speaker 1: let me actually, maybe I'll google a YouTube video about
Speaker 1: the cycles of an economy so I can understand. Ah,
Speaker 1: it's almost like your kid is crying, you know, like
Speaker 1: like you have a newborn and they're crying, you know,
Speaker 1: at like two am, and you can focus that in
Speaker 1: the moment they're crying at two am, or just know,
Speaker 1: like connestly, my kid cries every morning at two am
Speaker 1: because they're a newborn. This is part of the life
Speaker 1: cycle of like what it looks like to raise a kid.
Speaker 1: It's not that something is wrong. Certainly is it nerve
Speaker 1: wracking because you know who loves crying at two am,
Speaker 1: But understanding it's a natural part of growth of babies
Speaker 1: that you know they say to be up back, tell yeah,
Speaker 1: that's what So let's start. There is to like acknowledge
Speaker 1: that what you're feeling is normal, but to acknowledge that
Speaker 1: it is part of a larger cycle that we have
Speaker 1: been through before and we will be through.
Speaker 4: Again, Yes, one hundred percent.
Speaker 2: I mean, it's it's hard not to panic because every
Speaker 2: time you turn on the TV, you go on social media,
Speaker 2: there is new reason to think that we are legitimately
Speaker 2: in the apocalypse, like the world is. And I feel
Speaker 2: that same tension in this message from mL all around
Speaker 2: me of just like it feels like everyday things are
Speaker 2: getting worse or things are so bad, and even just
Speaker 2: hearing this from youtip and like pulling my head out
Speaker 2: of the two am crying baby and being like we've
Speaker 2: said these things before, especially in terms of the economy.
Speaker 2: Of course, things are happening in the economy that are
Speaker 2: different from the last recession, but recessions are It's literally
Speaker 2: part of the life cycle of our economy. So I'm like, oh, yeah,
Speaker 2: I think I got caught up a little bit in
Speaker 2: ML's panic, and I'm like, she's.
Speaker 4: Right, what do we do? I'm waiting, I gotta go.
Speaker 2: I was I'm one of many people who just in
Speaker 2: the last few months contemplated, like do.
Speaker 4: I need to go do I need to get the
Speaker 4: heck up out of here?
Speaker 2: But to take that breath like you said, like we
Speaker 2: were talking about, and go like this is normal. This
Speaker 2: is cyclical because when you make decisions from that place
Speaker 2: of panic, that's when people mess up their investments. That's
Speaker 2: when people like rip money out of their fore or
Speaker 2: one K. That's when people ignore things kind of building
Speaker 2: block things like having an emergency savings, what does your
Speaker 2: retirement fund look like? What's your high interest debt look like? Like,
Speaker 2: let's take care of our basics. People ignore that and
Speaker 2: go like I'm moving a Portugal.
Speaker 3: Literally all the financial people girls are who to Portugal?
Speaker 4: Bye? What? How are you starting a commune?
Speaker 3: Like I didn't get the invitation, but you said something
Speaker 3: that is that.
Speaker 1: I think it's going to be so helpful for m now,
Speaker 1: which is when things get rough.
Speaker 3: Yes, you should get down to the basics.
Speaker 4: Yes, exactly.
Speaker 3: And my budget in do I have savings?
Speaker 2: Yes?
Speaker 1: Am I maintaining good credit? Am I managing my debt
Speaker 1: in a responsible way?
Speaker 3: Am I?
Speaker 1: Do I have an income that I'm earning and I'm
Speaker 1: pretty confident that I can continue to earn that Like
Speaker 1: these those are the core fundamentals. So when things get
Speaker 1: really rough, I ask myself, let me review my fundamentals.
Speaker 1: My budget could be a little tighter. M okay, my savings,
Speaker 1: you know what, let me see if I can, if
Speaker 1: I could save a little bit more. The scores looking
Speaker 1: good now currently I don't have any credit card debt.
Speaker 3: That's good, you see.
Speaker 1: And so like getting down to the fundamentals and then too,
Speaker 1: like once you can allay some of those fears, especially
Speaker 1: if you have your foundation strong, I want instead of
Speaker 1: you making decisions from a place of running away from yes,
Speaker 1: you know, I want you for EML and anyone listening
Speaker 1: to ask my ask yourself, what can you run towards? Yes,
Speaker 1: you know, like something joyful like mL. Do you want
Speaker 1: to be an LPN If that sounds awesome to you,
Speaker 1: run toward that. You know, do you want to be
Speaker 1: a homeowner because it's something that you're excited about, Then
Speaker 1: run toward that versus I want to do that because no, no, no,
Speaker 1: what do you want to do? Not what do you
Speaker 1: feel like you're forced to do?
Speaker 3: You know?
Speaker 1: And so that's just that's the space we want you
Speaker 1: to make financial choices from.
Speaker 3: Like like I did.
Speaker 1: This earlier, like with in our previous episode with Berna,
Speaker 1: where I ask kind of like, where do you see
Speaker 1: yourself in two to five ten years?
Speaker 3: You know, I want you to. I call it dreamscaping.
Speaker 1: Sit out on the couch, look out the window, play
Speaker 1: your favorite music, and ask yourself, Oh, man, if I
Speaker 1: could just come up with my ideal life, it would
Speaker 1: look like this and this and this, and then you
Speaker 1: could start to ask yourself what do I need to
Speaker 1: do financially to support that life?
Speaker 3: Because that's from a place of.
Speaker 1: Joy and excitement, you know, an adventure versus like, you know,
Speaker 1: a place of fear and shame and uncertainty. And so
Speaker 1: that's what's so drop down to the fundamentals budgeting, savings, debt, credit, earning.
Speaker 3: Look at all your fundamentals. Are they strong? If they're not?
Speaker 1: Money Out Loud is a great book to help you
Speaker 1: to start to get you You see what I did there?
Speaker 4: I did get good with money too? Also good with money?
Speaker 4: Can we play?
Speaker 2: All?
Speaker 3: Right?
Speaker 1: So you get that book to start to bring that,
Speaker 1: you know, to get yourself to this financial, financially fundamentally
Speaker 1: sound place and then start making you know, start dreamscaping
Speaker 1: and then aligning your financial choices with those.
Speaker 2: Dreams exactly exactly we were saying this before and reviewing
Speaker 2: the question of that, it's like, it's it's never too
Speaker 2: late to make these kinds of life changes. But I
Speaker 2: love what you're getting at, and I think it gets
Speaker 2: at that. What is the umbrella question, which is ML's
Speaker 2: first question, I need a life change at fifty three?
Speaker 2: Why what is the life change? Right? Like, I feel
Speaker 2: like that's the kind of questions I would ask myself
Speaker 2: if I were mL and I was sitting on my
Speaker 2: couch dreamscaping. Do I need a life change because I
Speaker 2: need excitement because I feel insecure financially? Like, what is
Speaker 2: what is the problem that we're trying to solve? Because
Speaker 2: buying a condo and running away might not solve it
Speaker 2: when originally the question, like the solve is just I
Speaker 2: just need to shake things up, or like like you said,
Speaker 2: I would be interested in a nursing career, but it's
Speaker 2: hard to make those distinctions when we're in a place
Speaker 2: of panic and scarcity. So I'm like, I want to
Speaker 2: curl up on the couch next to mL too and
Speaker 2: be like, what's what feels expansive? And I think what
Speaker 2: I like what you were getting at earlier too, is like, yes,
Speaker 2: you're fifty three, let's not make decisions from a place
Speaker 2: of like, oh god, time is running out. You're fifty three,
Speaker 2: You've got decades ahead of you. If we look at
Speaker 2: these joyfully like you like make it feel I'm just
Speaker 2: like I've got all this time? What do I want
Speaker 2: to do with this time? Like that sort of like juicy.
Speaker 1: That's why I love called dreamscaping, where literally it's like landscaping,
Speaker 1: so you're like designing what your external life looks like.
Speaker 1: But with dreams that's why I call it dream I'm
Speaker 1: literally like, ooh, I.
Speaker 3: Could see myself on the.
Speaker 1: Beach like this, like literally like I get excited and
Speaker 1: I'm like you know, and so like that is as
Speaker 1: an awesome place to make decisions from. So am I
Speaker 1: hopefully that was helpful. I forgot to say b a
Speaker 1: QA listeners. If you have a question, ask it. You
Speaker 1: can go to brannibisionpodcast dot com. Email us at Brandambision
Speaker 1: Podcasts at gmail dot com. We are Brown Ambition Podcasts
Speaker 1: on ig You can send us a message there. You
Speaker 1: could tweet us at the BA podcast and yeah, but
Speaker 1: remember we are not your financial advisor. Well, I'm not
Speaker 1: your mom, mom, I'm not your doctor, your turney sue,
Speaker 1: somebody else. Take what we say with the smallest of
Speaker 1: the smallest of grains of salt. Okay, we're gonna take
Speaker 1: a break, and then we're gonna come back with a
Speaker 1: business question, because, as you know, Berna is one of
Speaker 1: my mentees, and so I don't know what question she
Speaker 1: has for me, but I'm gonna try to lead her
Speaker 1: down the path as best as possible.
Speaker 3: This see back in a moment, and we're back and
Speaker 3: black and brown and baqaing. We have Berner.
Speaker 1: Anna's in the stew, the new author of Money Out Loud,
Speaker 1: an awesome book to help you wich Auntie and your
Speaker 1: little niece's and Nessy Nephie poos as they navigate their
Speaker 1: financial journey, but from the place of fond and lightheartedness,
Speaker 1: but also financial education.
Speaker 3: So Berna is in the stew And y'all know that
Speaker 3: I mentor especially women of color and just business. I've
Speaker 3: been in business for fifteen years. You know.
Speaker 1: We've been able to scrape together over forty million dollars
Speaker 1: in revenue, so much of which we poured right.
Speaker 3: Back into the people that we serve.
Speaker 1: You know, I'm proud that I get to have a
Speaker 1: business that you know, makes income, but most importantly makes impact.
Speaker 1: And so I get a lot of young women and
Speaker 1: young as in like young in business asking me questions.
Speaker 1: And so I have some like people who I get
Speaker 1: to chat with, like Berna, but I just get so
Speaker 1: many requests I was like, I can't take them all on,
Speaker 1: and so I started this Patreon, which is this platform
Speaker 1: where I can mentor literally there's like I think I
Speaker 1: have like thirteen hundred mentor mentees there now, and if
Speaker 1: you'd like to join us, it's ten bucks a month
Speaker 1: my mentor Tiffany dot com. But the thing is, Baqa
Speaker 1: comes out on Friday tomorrow, I believe tomorrow morning. The
Speaker 1: price doubles from ten bucks a month to twenty. But
Speaker 1: if you lock yourself in at ten bucks a month,
Speaker 1: you will always pay ten bucks.
Speaker 3: So the twenty is gonna be for the new people.
Speaker 1: So if you're interested you want to dip your vaper
Speaker 1: toe in, now is the perfect time because my mentor,
Speaker 1: Tiffany dot Com will be doubling tomorrow.
Speaker 3: So all right, Burton, your.
Speaker 4: Question is what okay?
Speaker 2: So to lay out some context, Tiffany has taken the
Speaker 2: last like year to give me the keys to the kingdom.
Speaker 2: She's like, oh, you're writing a book. You wanted to
Speaker 2: be impactful. Here's literally everything that I did. And if
Speaker 2: you know Tiffany, you're one of her mentees, whether you're
Speaker 2: like in person mentee or you're on her patron you
Speaker 2: know that like Tiffany's all about giving the keys to
Speaker 2: the kingdom. There is like no gatekeeping ever. And so
Speaker 2: I first want to just say that, like my book
Speaker 2: launch is the way that it is and was the
Speaker 2: way that it was, like largely because of Tiffany's guidance
Speaker 2: as to like, here's what to do strategically, but also
Speaker 2: here's how to enjoy it in a way that is
Speaker 2: fulfilling with your community. And so it's been legit, like
Speaker 2: no joke, the best two months of my entire life
Speaker 2: up until now, Like it's just been so incredible. And
Speaker 2: my question basically the umbrella over it is like now what,
Speaker 2: who know what?
Speaker 4: Oh my gosh.
Speaker 2: And we talked a little bit about like the now
Speaker 2: what emotionally on our the main Brand Ambition episode. But
Speaker 2: I'm thinking of in terms of leverage, you know, like
Speaker 2: now I'm proud of the book. I'm proud of the
Speaker 2: impact it's made, the reviews and feedback that's coming in.
Speaker 2: I'm like, it's exactly how I wanted to hit. And
Speaker 2: this summer I'm taking, you know, some time off to
Speaker 2: sort of recalibrate and reset myself on my nervous system
Speaker 2: and stuff. In the fall, I'm doing a school tour,
Speaker 2: like university tour. I'm touring again so that I could
Speaker 2: try to get this book in front of as many
Speaker 2: young b ipoc as possible, and of course, like have
Speaker 2: the universities buy things and have donors by things I
Speaker 2: want to I would like to know from your perspective,
Speaker 2: besides sort of touring and selling the book itself.
Speaker 4: I'm like, what do I do next?
Speaker 2: You know, like, how do I leverage the fact that
Speaker 2: I've I feel so successful with this book. How do
Speaker 2: I leverage it into what I want to do next?
Speaker 2: And what I want to do next. I want to
Speaker 2: do more on camera stuff. I want to do more
Speaker 2: video stuff, and I also want to have more of
Speaker 2: what we've been talking about, which is more just sort
Speaker 2: of like not so much passive income, but things that
Speaker 2: don't also don't require me to be on camera and
Speaker 2: in front all the time, like how do I leverage
Speaker 2: now the success of this book into the business goals
Speaker 2: that I want, but also like aligned with the softer
Speaker 2: life of not not sprinting anymore, not doing as much now.
Speaker 1: I love this question, and honestly it's a question that
Speaker 1: it shows maturity in business, you know, because typically I
Speaker 1: can tell where you are, but the kind of questions
Speaker 1: you ask so typically you know, very very very newbies
Speaker 1: and business was there's nothing wrong with it. It's really
Speaker 1: like how do I not make enough money to survive?
Speaker 2: You know?
Speaker 3: Like how do I just make money in general? You know?
Speaker 1: So I know, like, okay, this is a new person
Speaker 1: in business. I got to get you to your first
Speaker 1: five hundred to one thousand bucks a month, yes, you know,
Speaker 1: and then it's like, okay, how do I make enough
Speaker 1: money to actually like to like be okay? And so
Speaker 1: the fact that you're asking this question shows like, oh,
Speaker 1: you're like, you know, you're a little teen in business.
Speaker 3: I grow I'm living, which I love.
Speaker 1: And so what I would say first and foremost is
Speaker 1: that I want you to ask yourself like I mean,
Speaker 1: you've got you give me a little bit of clarity,
Speaker 1: but I want more clarity on how in general do
Speaker 1: you want life to look so like the next I
Speaker 1: would say, like five years, So are you okay with
Speaker 1: being on screen and being face forward for the next
Speaker 1: five years or you're like, hmm, girl, I got about
Speaker 1: another year of me and I kind of want to
Speaker 1: be behind the scenes because that's critically important with like
Speaker 1: how you want to payvot. So what would you say
Speaker 1: to that, like in the next five years, how much
Speaker 1: do you want to still be like on camera?
Speaker 2: Great question, I think honestly, I have the kind of
Speaker 2: personality where I think I'll probably want to be on
Speaker 2: camera until God takes me out, Like really truly, I
Speaker 2: love being on camera, but I want that to be
Speaker 2: like a joyful choice I get to make, as opposed
Speaker 2: to here I am again, like five years from now,
Speaker 2: if I have to be on camera every single week,
Speaker 2: then I'm going to be that's too much for me.
Speaker 3: Dollar exactly.
Speaker 2: I don't want to be dancing for a dollar in
Speaker 2: five years, Like guys, don't feel like I'm doing my
Speaker 2: dancing for a dollar for sure, But in five years
Speaker 2: I'd like it to be like selective speaking gigs or
Speaker 2: one or two weeks of filming something that then gets distributed,
Speaker 2: you know, throughout a season or streamed. I'd like to
Speaker 2: be selective about the camera stuff and and be more
Speaker 2: in five years, definitely be more behind the scenes. And
Speaker 2: by behind the scenes, I mean like napping and traveling.
Speaker 3: Yeah, okay, no, I love that.
Speaker 1: This is kind of the transition that I've been making
Speaker 1: with the budget said, because I was like, I don't
Speaker 1: want to dance for a dollar anymore. So what I
Speaker 1: would say is this, and this is what I've done
Speaker 1: over a budget staid with the team is you are
Speaker 1: in which is really smart.
Speaker 3: You are in pre pivot mode.
Speaker 1: So most people wait until they're forced to pivot and
Speaker 1: then they turn and then but you're doing it, like
Speaker 1: now earlier, from a place of panic, place of rush,
Speaker 1: to a place of uncertainty. So really, really, really really
Speaker 1: smart business owners learn to see the thing before the thing,
Speaker 1: before the thing, getting pivoting and turning the boat way
Speaker 1: before the iceberg is visible. Yes, so by the time
Speaker 1: it gets here, you're like, oh, I'm so glad I
Speaker 1: pre pivoted, because you know, we're basically almost already turned.
Speaker 3: So hey you saw you got me you down?
Speaker 1: Yeah, you know, you know, take another Titanic out, not
Speaker 1: me exactly right. And so what we're doing at Budgetista
Speaker 1: now is I had told my team this years ago.
Speaker 3: I knew.
Speaker 1: I was like saying, like, you, you know, I've got
Speaker 1: a big personality, love to be face forwarded, but I
Speaker 1: knew it wasn't gonna last forever. So I said, we
Speaker 1: have to start to identify ways that we can make
Speaker 1: money that don't require my face y. That's what I said, exactly,
Speaker 1: you know, And so you have to start to lay
Speaker 1: out for yourself. So one of the reasons why, like
Speaker 1: I am I like Patreon when I do like my
Speaker 1: my my mentee like right, So that I mean that
Speaker 1: was kind of like just like a test, but it
Speaker 1: turns out.
Speaker 3: It makes really good money.
Speaker 2: You know.
Speaker 1: You figure, I've got like thirteen hundred people ten bucks
Speaker 1: a month. You know, it was kind of accidental. It
Speaker 1: was like, oh, let me pour back into these women
Speaker 1: that keep asking me questions. But now it's a good chunk,
Speaker 1: like you know, of like some money that we make.
Speaker 1: I'm like, oh, and I go live once a month.
Speaker 1: But then the mentees also help each other. I enjoy
Speaker 1: having dinner with them and doing other in person things,
Speaker 1: and so I say that to say that, like, that
Speaker 1: was one of my okay, pivoting moments where I get
Speaker 1: to do the thing I like, which is I'm like,
Speaker 1: I grew up with four sisters, so I'm like a
Speaker 1: girl's girl, you know, so I get to do it.
Speaker 1: But I'm like, oh wow, this actually makes some really
Speaker 1: great money coming in. So that's part of my pre
Speaker 1: pivot le. I always had kind of like a blog,
Speaker 1: but I had not really leaned into it, you know.
Speaker 1: But what I love about a blog is that, like
Speaker 1: old school brands still very much want to be featured
Speaker 1: on your blog, so they'll pay for that, you know.
Speaker 1: Like there are products that I really enjoy and that
Speaker 1: I used to I remember there was this one bank
Speaker 1: account that I love so much and I sent like
Speaker 1: three thousand people opened up bank accounts with them. And
Speaker 1: I didn't know they had an affiliate program for twenty
Speaker 1: five bucks per person do thed. I was like, we
Speaker 1: what I know? And this was very early on in
Speaker 1: my career. I wept because I had no money. It
Speaker 1: was like fifty thousand dollars.
Speaker 4: Oh my god, Like wait, whatzy no work for you too?
Speaker 1: I mean, so then so now I started to lean
Speaker 1: into like affiliate things, like so I have a list
Speaker 1: of maybe like four or five things that I already love,
Speaker 1: I use, and I like and I trust, And then
Speaker 1: I reached out to the companies that they didn't have
Speaker 1: it already kind of like on their site, like do
Speaker 1: you have a program because I use, like and trust
Speaker 1: you guys, and I would love to share you with
Speaker 1: my audience, but girl, a kickback would.
Speaker 4: Be cute, you know, yes, And so you're.
Speaker 1: Always honest obviously when you share like these things like hey,
Speaker 1: you know this is a tool or resource that I use,
Speaker 1: but know that I also get paid every time someone
Speaker 1: signs up.
Speaker 3: So that's just the law. But also too, it's just
Speaker 3: good practice.
Speaker 1: So affiliates were one of the ways something else too
Speaker 1: that we started to I still do some spokesperson work,
Speaker 1: speaking work, but that was like seventy percent of our
Speaker 1: income last year, and so this year those far, it's
Speaker 1: only been twenty five percent, which is great.
Speaker 2: Wow, that's where I'm trying to that's my five year goal. Yeah,
Speaker 2: I want to cycle that.
Speaker 1: So it's not been easy because you know, it's like
Speaker 1: we've I might not make as much money this year
Speaker 1: as I did last year because of that pivot, you know,
Speaker 1: so I'm always keeping.
Speaker 3: An eye on that prize.
Speaker 1: So one of the things that we did is before
Speaker 1: we made that pivot, knowing that we might drop an income,
Speaker 1: we have six months of money saved of operating expenses,
Speaker 1: so that's payroll and all of our bills. So in
Speaker 1: case something gets tight, like this month we didn't make
Speaker 1: enough to cover our bills, but we have six months,
Speaker 1: you know, because next month I have some things coming
Speaker 1: in that's gonna be enough to cover bills for five months,
Speaker 1: so we'll be able to put the money back in
Speaker 1: our you know, our emergency savings and then be good
Speaker 1: for the next like five months. But so do you
Speaker 1: see that even in the pivot, it might look like
Speaker 1: a drop down, So do you have the money set
Speaker 1: aside for that?
Speaker 3: So prepare for that, you know. As well. I'm trying
Speaker 3: to think some other things for doing a budgetista.
Speaker 1: So it's affiliate, it's the blog, it's Patreon, and then
Speaker 1: we're coming up with like some courses, you know, because
Speaker 1: like courses that people can purchase and by so we're
Speaker 1: looking at that, but even other things I'm looking to think, like,
Speaker 1: you know, are there some sort of partnerships where their
Speaker 1: overhead is not so high, Like, for example, maybe I
Speaker 1: can put out a white paper.
Speaker 3: This is something I was considering, Like I.
Speaker 1: Have two million, specifically black women that where you know,
Speaker 1: it's like why do black women navigate? They do with
Speaker 1: their finances, and I have the ability to like have
Speaker 1: people like ten thousand people in two days do a
Speaker 1: survey and then put out a white paper to say,
Speaker 1: here's why black women navigate. Y'all know, child, look at
Speaker 1: that commercial, it's whack. Here's why black women do the
Speaker 1: way because I know this is what they've shared with
Speaker 1: me why they do what they do. So that's potentially
Speaker 1: something too where people, you know, brands might say you
Speaker 1: have to figure out a way to do so ethical
Speaker 1: obviously you're not sharing people specific information, but in general,
Speaker 1: like basically I can be a trend spotterer, you know,
Speaker 1: because I have my ear to the streets and say, hey, honestly,
Speaker 1: like bank, they don't mess with you because we don't
Speaker 1: like the way you talk to us, Yes, and so
Speaker 1: like here's the language they're wanting, here's the interest rate
Speaker 1: that they're wanting. Is that something that you can provide?
Speaker 3: You know what I mean. And so that's something that
Speaker 3: that's been swirling around in my head.
Speaker 1: And so I just say, for you, you want to
Speaker 1: get really clear about first things First, how do you
Speaker 1: want life to look? Because if you start externally, you
Speaker 1: end externally. You want to start internally to say, I
Speaker 1: want my life to look like this. I want to
Speaker 1: be to do no more than two lives a month.
Speaker 1: I don't know, I'm just making it up, you know.
Speaker 1: I want to not have like I only have a
Speaker 1: team meeting every two weeks. This is me And when
Speaker 1: I do sometimes it's a walking team meeting where I'm
Speaker 1: walking in the park. That was something that I really
Speaker 1: wanted to be able to go outside every single day
Speaker 1: as long as weather permitting. You know, I wanted a
Speaker 1: team that did not need to be babysad. So I
Speaker 1: have to be very intentional of hiring and letting go.
Speaker 1: I had to let go more than half my team
Speaker 1: of people who did not need to be babysad. Then
Speaker 1: they're fully autonomous. They had the agency. And so you see,
Speaker 1: like if you're wanting a thing in business or otherwise,
Speaker 1: it's really the foundational component that's going to allow you
Speaker 1: to have it. And maintain it. And so do you
Speaker 1: have the savings, do you have the team? Are you
Speaker 1: clear about how you even wanted to look? And then
Speaker 1: you put it into practice. So I get to live
Speaker 1: the very thing that was in my head, which is
Speaker 1: like all this time available to me, a team that
Speaker 1: doesn't need me to babysit them, you know, like people
Speaker 1: work joyfully. I make good money, although maybe less than
Speaker 1: last year because we're making that pivot. But the pivot
Speaker 1: does not require me to be on a plane every week.
Speaker 1: And so I'm living the thing that I intended then
Speaker 1: build a foundation for and then work through. And so
Speaker 1: first it starts with your intention, Berna, like I want
Speaker 1: this to be the thing.
Speaker 3: What foundation do I need?
Speaker 1: And then you have to take it to the streets
Speaker 1: and practice it and then adjust as you go, knowing
Speaker 1: that like it might look like I make a little
Speaker 1: less temporarily, but that's part of the pivot, and the
Speaker 1: sooner you can get to pivoting, because eventually what happens
Speaker 1: is you will burn out and then you're to force
Speaker 1: yourself to pivot and it's not going to be clean
Speaker 1: and easy. So if you can pre pivot now on
Speaker 1: your own, you know, from your you know, from a
Speaker 1: place of like no panic, of like calmness. Then by
Speaker 1: the time the you know, maybe that you're a little
Speaker 1: bit over it, you're like, oh, thank goodness, I put
Speaker 1: that stuff in place because it's only twenty five percent
Speaker 1: of my income or five percent of whatever comes from
Speaker 1: me being face forward. Thank goodness, I put that stuff
Speaker 1: in place five years ago.
Speaker 4: Yes, you know, so exactly.
Speaker 2: That's this is exactly what I needed to hear and
Speaker 2: like kind of the blueprint that I needed because I
Speaker 2: understand now that I feel like a strike while the
Speaker 2: iron tot It's kind of a little bit of a
Speaker 2: panic at the moment because my book just came out right,
Speaker 2: and there's like lots of like there's more media than
Speaker 2: usual about like what I'm doing, and then there's more
Speaker 2: eyes than usual on like what my work is. So
Speaker 2: I feel a little bit of panic of of that pivot.
Speaker 2: How do I how do I pivot these eyeballs and
Speaker 2: this attention now and also in the fall, when there's
Speaker 2: we're going to do another media cycle again and touring again.
Speaker 2: What am I going to point people towards that will
Speaker 2: unlock like the tools of this pivot, which is you know,
Speaker 2: do I point people towards a membership a Patreon? Do
Speaker 2: I point people towards courses that I made? Because and
Speaker 2: I need to sketch this out, Like you said, what
Speaker 2: is my five year vision of? Like what do I
Speaker 2: want my life to feel like in five years? I
Speaker 2: want that, like I have a team that I trust
Speaker 2: that I'm I don't. I honestly, I've seen this through practice.
Speaker 2: I don't think I'm an amazing people manager. I want
Speaker 2: a team that I can trust with a person who
Speaker 2: manages the team too, a person that I can trust
Speaker 2: to manage the team that I want to be able
Speaker 2: to be selective about being on camera a few times
Speaker 2: a quarter or producing fun things like a few times
Speaker 2: per quarter and not every single day. I'm getting on
Speaker 2: Instagram and being like, you know, pills or whatever I want.
Speaker 2: And like I was saying before, I want enough space
Speaker 2: to check out for the summer so I could be
Speaker 2: that summer camp on tee and whatever passive tools are
Speaker 2: in place are like working for me through the summer
Speaker 2: so that when I get back in the fall, I'm
Speaker 2: not like, oh.
Speaker 4: My, we got to run around and make money again.
Speaker 2: This is so great, Like now I want to I
Speaker 2: know exactly what I want to chew on the summer
Speaker 2: of basically yourself.
Speaker 3: Like what is the return on investment?
Speaker 1: So the questions I ask my team every time you
Speaker 1: meet is the same, I say, you know, like first
Speaker 1: I ask them, how's your weekend? Like this is I
Speaker 1: just had this meeting this morning, so it's super fresh.
Speaker 1: It's my CFO, my content manager and director, my like
Speaker 1: logistics manager and like project manager.
Speaker 3: So we get on a call, you know.
Speaker 1: I always ask them how because and you say you're
Speaker 1: not a good people manager, and I certainly was not
Speaker 1: at first, but you grow to that, like you want
Speaker 1: that's a skill set that's really important to develop, you know, yeah,
Speaker 1: because you have intrinsic kindness, like that's the first start,
Speaker 1: which I'm much better now. And so anyway, so I
Speaker 1: always ask me, know, how's your weekend, how was yesterday?
Speaker 3: Whatever?
Speaker 1: You know, just to connect and share how mine was.
Speaker 1: Then I asked basic questions, what are you working on?
Speaker 1: So cause I want everyone to hear what are you
Speaker 1: working on? What is working you know? What challenges might
Speaker 1: you be having? And most recently I started asking is
Speaker 1: it worth it to continue?
Speaker 3: Is the juice worth the squeeze.
Speaker 1: Oh, because I found out that we'd be working on
Speaker 1: something and the person working on it would be like,
Speaker 1: this is not even worth it. But they're like Tiffany said,
Speaker 1: we doing it, so we're doing it. And I'm like, no, girl,
Speaker 1: I don't. I'm not emotionally tied to that thing. If
Speaker 1: it's not worth it, we could. I tell them all
Speaker 1: the time, I don't care. If we're at ninety nine
Speaker 1: percent completion and you're like, girl, this lift there's no
Speaker 1: real return on impact or income.
Speaker 3: Then we can stop. Today. We are the queens of
Speaker 3: the castle. I'm always empowering them, like you literally get
Speaker 3: to decide. I'm here to just say.
Speaker 1: Okay, and so what are you working on, what's working,
Speaker 1: what's like, what's not working?
Speaker 3: And is the juice worth the squeeze? Those are the.
Speaker 1: Four questions that you know, I asked them, and in
Speaker 1: doing so, what it allows us to do, especially when
Speaker 1: you're in a pre pivot, that is the juice worth
Speaker 1: the squeeze?
Speaker 3: So important? That return on investment, you know, Like I'll
Speaker 3: give you an example.
Speaker 1: I was hosting these things called wealth walks, which were great,
Speaker 1: and I I said something offhanded and I said, oh,
Speaker 1: you know these walthwalks. I love doing that because such
Speaker 1: a lightlift, you know, because I just got to show
Speaker 1: up at the park. We walk and then we sit
Speaker 1: on the blanket we talked. The first one we did
Speaker 1: was like fifty.
Speaker 3: Women showed up.
Speaker 1: It was awesome. Oh and I was saying it to
Speaker 1: like one of my team members. I just was talking
Speaker 1: to her on the phone, just checking on her. How
Speaker 1: the kids da da da, And I said, oh, yeah,
Speaker 1: the Wealthwalk was so fun. I can't wait to the
Speaker 1: next one. She was laughing. I said why. She was like, oh,
Speaker 1: it's always funny when you say something is a lightlift.
Speaker 1: I was like, wait what.
Speaker 3: She's like, Oh girl, it's not like live right here
Speaker 3: like the team has to do.
Speaker 1: I was like, wait what. She was like, oh yeah,
Speaker 1: she was like, wait, you didn't realize. I'm like, she said,
Speaker 1: it's not a lightlift. My heart dropped, and I'm like,
Speaker 1: oh my gosh, my already stressed team.
Speaker 3: I'm stressing them out because I want to walk in
Speaker 3: the pork with the girls.
Speaker 4: You're like, let's do this three times a week.
Speaker 1: And then on top of that, those Wealth walk I
Speaker 1: mean it's free, there's no return, there's no, I mean, sure,
Speaker 1: is there impact for the fifty women that are there, Yes,
Speaker 1: but there's also no income. And I was like, oh
Speaker 1: my goodness. And so I went back to the team.
Speaker 1: I was like, is this That's when I added is
Speaker 1: the juice worth the squeeze?
Speaker 2: Right?
Speaker 3: And they were like it's not.
Speaker 1: I was like, then we stop now we have one
Speaker 1: schedule and we're like we have this one more schedule
Speaker 1: which we're going to do, but we stop now. But
Speaker 1: do you see how important it is to like you
Speaker 1: have to check in and depending like we if we
Speaker 1: were making hell of money and like that is like,
Speaker 1: like we're super good, like the budget says in transition.
Speaker 3: So if it was all this money that was just flowing.
Speaker 1: In automatically, then we have time for a little wealth
Speaker 1: walk because we're not busy.
Speaker 3: Let's just do it. It's cute. No.
Speaker 1: Right now, we are in pre pivot mode and so
Speaker 1: everything we do has to make impact and income. We
Speaker 1: cannot wait on both. We have to do both, you know,
Speaker 1: we can't wait like, oh, the impact is not for
Speaker 1: two years. No, we need to make impact now. All
Speaker 1: the income you know we'll see in six months. No,
Speaker 1: we need to make income now. And so just keep
Speaker 1: that in mind as you're you know, making this pre pivot,
Speaker 1: like does this thing make sense? Is it making the
Speaker 1: impact I want from audience? And isn't making the income
Speaker 1: that I'm needing, you know, in order to have my
Speaker 1: goals be met? And then once you know, you might
Speaker 1: think to yourself, oh, when I'm in the summer, Like
Speaker 1: I challenge you to think that, like do I have
Speaker 1: to make money during the summer or do I make
Speaker 1: enough money before.
Speaker 3: The summer to see me through? You see what I mean?
Speaker 1: Like if I'm like, oh, okay, because when I was
Speaker 1: a school teacher, that's what happened, Like we worked ten months,
Speaker 1: but I didn't get paid in the summertime. They used
Speaker 1: to literally pull money out of our paychecks. And if
Speaker 1: we can get money, so that money. So it's like,
Speaker 1: you know, it would be like I don't know, you know,
Speaker 1: you take an extra whatever twenty percent and in the
Speaker 1: summer I got that money from the school district to
Speaker 1: see me through the summertime.
Speaker 3: You see what I mean?
Speaker 1: So you can do that for yourself as well, because
Speaker 1: sometimes we'll get tied up and like this is what
Speaker 1: it has to look like. It's like, no, what are
Speaker 1: you actually really saying, You're really saying, I just want
Speaker 1: to have enough money to see me through. And so
Speaker 1: and I'll end on this that this is something I
Speaker 1: was talking. So I have the CEO of my online
Speaker 1: school of the Literature Academy, but I also mentor Tammer too,
Speaker 1: because I was a CEO there for like the last
Speaker 1: six years. And so we were talking this morning, and
Speaker 1: we're pivoting there as well, and like I had an
Speaker 1: aha moment of it. It's something new that we're going
Speaker 1: to be doing that's going to really transform our business.
Speaker 1: And I told her, I said I, and I tell
Speaker 1: you listening to and you Burner, then what you will
Speaker 1: find is that the better the question you ask, the
Speaker 1: better the answer. So what that means is that in
Speaker 1: the beginning, you know, like when you're first trying to
Speaker 1: like suss out like what change should I make? What
Speaker 1: should I be doing next? That question what should I
Speaker 1: be doing next? Is like it's a good base question,
Speaker 1: but the answer is going to be only as vague
Speaker 1: as a question is.
Speaker 3: So it's going to be like huh.
Speaker 1: So as you ask more questions, your questions are going
Speaker 1: to be clear and clear and by nature of there
Speaker 1: being a question, the answer is born simultaneously.
Speaker 3: There are twins.
Speaker 1: Yes, you know, and so if you can say it's
Speaker 1: so you want to get to the point where you're
Speaker 1: not asking like it's a good place to say what
Speaker 1: should I be doing next? But you want to get
Speaker 1: to the point you're literally asking what's what's one plus one?
Speaker 3: Because then the answer is too very.
Speaker 1: Definitive answer that's out there for you, and so for you,
Speaker 1: like you know, start working your mind into more, like,
Speaker 1: you know, in general, how do I want life to go?
Speaker 1: How do I specifically want business to go on this way?
Speaker 1: How could I make this amount of money?
Speaker 3: You see?
Speaker 1: Then all of a sudden, the question then becomes how
Speaker 1: do I make reoccurring income in a way that that
Speaker 1: I can make enough money? Then all of a sudden,
Speaker 1: it's like, oh, there's an answer to that because that
Speaker 1: question is so specific, and so the better the question,
Speaker 1: the better the answer. And there's nothing wrong with having
Speaker 1: the bag question. That's how you start. Yes, But I
Speaker 1: told Tam today, I said, you see the answer that
Speaker 1: we just received because we've been asking the question for
Speaker 1: a year and getting better and better and chipping away
Speaker 1: at the unnecessary parts of the question. And so now
Speaker 1: we have a such a clear question that we finally
Speaker 1: got a really clear answer about what we're supposed to
Speaker 1: do next, right, And so that's just like, yeah, the
Speaker 1: better the question, the better the answer. Just know that
Speaker 1: if you can get clear about the question, its answer
Speaker 1: was born simultane Now awll you got to do is
Speaker 1: go find it.
Speaker 2: Well, that's what's funny is even as I'm sitting here,
Speaker 2: I'm like, I'm outlining more specific parts of the question
Speaker 2: for myself, Like the umbrella question is what do I
Speaker 2: do next? And in my mind I'm like, well, like, okay, well,
Speaker 2: what's the amount of income that I can make so
Speaker 2: that I can take off summers to be at summer camp?
Speaker 2: So how many months am I working? How many months
Speaker 2: am I not working? What does that income look like?
Speaker 2: What then would lead to that income? How much of
Speaker 2: that do I want to be passive? How much of
Speaker 2: that do I want to be on camera? Like, this
Speaker 2: is what's going on in my brain as you're talking,
Speaker 2: and again, like asking the umbrella question and talking it
Speaker 2: through you, I'm like, oh, what you came out of
Speaker 2: this was more questions, But it's almost like a worksheet
Speaker 2: now as opposed to like a theory. Now it's like, oh,
Speaker 2: when you fill in this blank, will fill in this blank,
Speaker 2: will fill in this blank, and then it's a plan.
Speaker 2: And that's like more of what I'm working towards.
Speaker 4: I know that now.
Speaker 2: Now, like this summer is the like bit hit the
Speaker 2: big reset button for me.
Speaker 4: So it's a big question time.
Speaker 2: But I can already see of just like well, I'm
Speaker 2: thinking even by the end of this summer, end of
Speaker 2: this like next quarter, I'm going to have more of
Speaker 2: a like almost like mad libs of just like in
Speaker 2: order to for my life to look like X, I
Speaker 2: need to earn why. Here's the lever I'm gonna pull
Speaker 2: for this and this to earn why. Like I'm like, yeah,
Speaker 2: like because it's empowering.
Speaker 3: You're like, I'm not I'm not a victim in this.
Speaker 1: I'm not like this bystander, Like I am actively making
Speaker 1: the thing happen, you know.
Speaker 2: And then if you go step by step, yeah, like
Speaker 2: I'm like, oh, business, this is the question. I'm like, Oh,
Speaker 2: I can and finding too. As I'm answering asking those questions,
Speaker 2: I'm like I can find the answer to that questions.
Speaker 2: And then once I have that question. If I just
Speaker 2: do the math, I can find the answer to the
Speaker 2: next question, Okay, and it like it starts to branch out.
Speaker 2: So I'm just like it's I'm like having like a
Speaker 2: Jimmy neutron. That's so yeah, Like my brain's going like, oh, okay,
Speaker 2: we can do this.
Speaker 4: We can do this.
Speaker 3: We just need to like take the time.
Speaker 1: That's the favorite part of business, honestly, because the thing
Speaker 1: is that people don't understand that when business is good,
Speaker 1: it's hard. When business is bad, it's harder, yes, you know,
Speaker 1: and so business is not easy, but it doesn't mean
Speaker 1: it's not joyful.
Speaker 3: It doesn't mean that has to be overwhelming or overworking
Speaker 3: or whatever.
Speaker 2: You know.
Speaker 1: That's not what I'm saying, is that like we're not
Speaker 1: being hard, I mean challenging, but in a good way.
Speaker 1: You know, it grows you all of a sudden. You're like,
Speaker 1: you know, you're going to become a better leader. It's
Speaker 1: only just the last couple of years, after fifteen years,
Speaker 1: that I've become like a leader that I think, like, Okay, Tiffany,
Speaker 1: I would give myself a solid.
Speaker 3: Bee in leadership. It's been fifteen years, you know, and
Speaker 3: so like business really grows you up.
Speaker 1: It allows you to have unlimited potential income for yourself.
Speaker 3: You know.
Speaker 1: It allows you to participate more easily on lifestyle design.
Speaker 1: You know, potentially, it can allow you to look after
Speaker 1: your family if you so desire. You know, it can
Speaker 1: allow you to pour right back into your community. You
Speaker 1: can really shape your world when you're a business owner.
Speaker 1: It's certainly not easy, but the benefits are that, and
Speaker 1: it's not for everyone to believe me, Yes, you know,
Speaker 1: the benefits are that because there's also a lot of
Speaker 1: risk involved. And so I just like, I'm just like
Speaker 1: to watch you grow and blossom and learn and your
Speaker 1: reason know, I'm always here for you, just a phone
Speaker 1: call or text or whatever away. But no, I love that.
Speaker 1: So as you get like, as your questions get more
Speaker 1: and more concrete, you know, I'm one of the resources
Speaker 1: you can reach out to to say, Okay, So I
Speaker 1: thought about what you said, what about this, this and this,
Speaker 1: and what I love with a good mentor that a
Speaker 1: good mentor is not just they don't have all the answers. Instead,
Speaker 1: a mentor is also like a like a sponsor, you know,
Speaker 1: and a connector.
Speaker 3: So it's like, you know what I don't know.
Speaker 1: Let me talk to my friends such and such, or
Speaker 1: I'm actually going to connect you with my friend such
Speaker 1: as such.
Speaker 3: And she's going to talk to you, you know, and
Speaker 3: so like.
Speaker 1: So if y'all look it for a good mentor, I'm
Speaker 1: just saying my mentortivity dot com.
Speaker 3: The price is doubling, but not for you. Oh it
Speaker 3: is like you know, you lock it bucks.
Speaker 1: You're gotta worry about the twenty bucks a month because
Speaker 1: tomorrow is the last day. Then the price goes up.
Speaker 1: I don't want to hear.
Speaker 3: I live in Hawaii and I didn't know. It's like
Speaker 3: it's over. You know, you can still pay twenty bucks,
Speaker 3: but why pay twenty week? You pay ten? The link
Speaker 3: for my mentor Tiffany will be in the show notes.
Speaker 1: But also and we have a book. Berna a not
Speaker 1: she's been here. Not only a businesswoman, she is a
Speaker 1: financial educator and one that is one of my favorites
Speaker 1: because she is fun, she is aligned, she is authentic,
Speaker 1: and she's just really smart.
Speaker 3: Money out loud is available whoever books were sold, but
Speaker 3: we're gonna find you and the book. Berna.
Speaker 2: I'm having a funny moment right now because I've straight
Speaker 2: up forgot that recording a pod.
Speaker 4: We're recording a podcast.
Speaker 2: But I'm just I'm like, all these people are witnessing
Speaker 2: like incredible mentorship convers like, this is what it's like
Speaker 2: to be a mentee with Tiffany. I again, can I
Speaker 2: just double click if you're wondering what you would get
Speaker 2: inside of my mentor Tiffany. I can't guarantee that you're
Speaker 2: gonna have one on one, long, beautiful recorded conversations with Tiffany,
Speaker 2: But like I forgot that we're recording fo this is
Speaker 2: how magical the mentorship is for me, and to just
Speaker 2: get a piece of that, it is so worth it
Speaker 2: at ten at twenty, like please don't be don't be ridiculous,
Speaker 2: do it. I'm I'm living sitting proof that her mentorship
Speaker 2: is magical. But I can be found at Hayburna everywhere
Speaker 2: on Instagram most principally, I'm like the most annoying on Instagram,
Speaker 2: and then you could find the book. You can find
Speaker 2: the book at Hayburna dot com. Anywhere that you buy
Speaker 2: the book. I always go and tell people by local
Speaker 2: hit up hit up bookshop dot org because that's where
Speaker 2: you can support indie bookstores It took me a minute
Speaker 2: to get back into like talking to other people in
Speaker 2: the mic mode because I'm like, it's not a phone call. Okay, Sorry,
Speaker 2: Hi everyone, Hi, Hi, and by forgot y'all are there?
Speaker 1: Oh Bernida the awesomest thank you so much for coming
Speaker 1: on again.
Speaker 3: Oh so we'll have you on again.
Speaker 1: But yes, if you guys have a question for Baqa again,
Speaker 1: brannonbistionpodcast dot com. Click contact button Brown and Bishpodcast at
Speaker 1: gmail dot com. You can email us. We're a brown
Speaker 1: a Vision podcast. On Instagram, you can said it's a
Speaker 1: d of the MS and the B eight podcast. On Twitter,
Speaker 1: you can tweet us a question and we won't answer
Speaker 1: them about career, business, money, and just anything else you
Speaker 1: want to talk about.
Speaker 2: But I'm like, Tiffany is very much alike. She could
Speaker 2: think the word jump and I'm already I've hit the ceiling.
Speaker 2: So if if anyone is gonna come sideways at Tiffany,
Speaker 2: I'm not gonna lose.
Speaker 3: So dope, honestly, yes, all right, y'all until next week, Bye, yes,
Speaker 3: bye bye, Hey ba fam. We could not do this
Speaker 3: show without your support or the support of our team
Speaker 3: behind the scenes.
Speaker 4: The Brown Ambition podcast is produced by Imani Crosby and
Speaker 4: Dennis and Plinsky is our in house tech guru. I
Speaker 4: am your co host Mandy Woodrif Santos, and we will
Speaker 4: see y'all next week.
Speaker 3: BA FAM