WEBVTT - How to Rethink Your Financial Strategy During Tr*mp Tariff SZN 

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<v Speaker 1>Hey, Hey, BA fam, it's your girl, Mandy Money. I

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<v Speaker 1>could not be more excited to have you here. Thank

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<v Speaker 1>you for showing up, Thank you for tuning in. I

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<v Speaker 1>don't take it for granted that the thousands of y'all

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<v Speaker 1>who decide to listen to Brown Ambition on Wednesday and

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<v Speaker 1>Friday each week, I just can't thank you enough. You're

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<v Speaker 1>the reason why I do this show. Now, I want

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<v Speaker 1>to take a moment because we have a bit of

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<v Speaker 1>news at BA. I'm now a part well, we are

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<v Speaker 1>now a part of the iHeartMedia Network. Now, don't worry

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<v Speaker 1>because this doesn't really mean anything for you. In fact,

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<v Speaker 1>you really shouldn't experience any change. It is a huge milestone,

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<v Speaker 1>especially for those who don't know. Brown Ambition has been

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<v Speaker 1>around since twenty fifteen. I'm like a cheriatric podcaster. I

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<v Speaker 1>have been doing this podcast since I was twenty six

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<v Speaker 1>years old. I was just a reporter at Yahoo Finance

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<v Speaker 1>who wanted to do a podcast for black girls like

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<v Speaker 1>me and make talking about finances and career ambition and

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<v Speaker 1>negotiating and credit scores and am I about to marry

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<v Speaker 1>this man if he doesn't have an eight hundred fiico.

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<v Speaker 1>I wanted to have a safe space where we can

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<v Speaker 1>have those types of conversations. And I was just really

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<v Speaker 1>bored of the bro culture that I was encountering in

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<v Speaker 1>the business journalism channels where I was working, from Business

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<v Speaker 1>Insider to Yahoo Finance, and yeah, I was fed up

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<v Speaker 1>and I just wanted a space just for us. Okay,

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<v Speaker 1>So I got my girl, Tiffany, the budget nista. She

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<v Speaker 1>said yes to me and my random idea for this podcast.

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<v Speaker 1>But you know who said no, my bosses. I took

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<v Speaker 1>the podcast to Yahoo Finance and I said, I had

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<v Speaker 1>this idea. I want to do this show targeting millennial

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<v Speaker 1>women of color, and I wanted to be really fun.

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<v Speaker 1>I'm going to do all the work. You know, can

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<v Speaker 1>I have the studio space. They already literally had the

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<v Speaker 1>studio spaces set up. Okay, it was not any investment

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<v Speaker 1>in terms of equipment, but still they said no. And

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<v Speaker 1>at the time, I was pretty I don't know, devastated

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<v Speaker 1>was the word, but I definitely felt challenged and I

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<v Speaker 1>felt like I'm going to prove them wrong. And honestly,

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<v Speaker 1>the people in our lives who tell us no, they

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<v Speaker 1>serve such an amazing purpose because how many incredible stories

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<v Speaker 1>of success start with somebody told me no, and then

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<v Speaker 1>dot dot dot people have to tell you no at

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<v Speaker 1>a certain point, it serves a purpose, and I'm just

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<v Speaker 1>really grateful not only did that no not stop me,

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<v Speaker 1>it actually pushed me to create a podcast that I

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<v Speaker 1>own entirely outright. Had they said yes, had I produced

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<v Speaker 1>Brown Ambition under the umbrella of Yahoo all those years ago,

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<v Speaker 1>they would have owned the IP. This is the same

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<v Speaker 1>reason why one of my favorite og black girl podcasts,

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<v Speaker 1>Tracy and heaven Gosh, what was there? Oh another Round

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<v Speaker 1>on BuzzFeed. I'll remember that show from back in the day.

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<v Speaker 1>Their podcast doesn't even exist anymore because it was a

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<v Speaker 1>part of the BuzzFeed IP. They didn't own it, and

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<v Speaker 1>so when they I don't know, I think BuzzFeed got

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<v Speaker 1>of the show or the girls just went on to

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<v Speaker 1>you know, extremely successful careers in their own right and

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<v Speaker 1>they couldn't take this show with them. So I'm really grateful,

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<v Speaker 1>honestly that I was told no so I could create

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<v Speaker 1>the show, and over the past ten years, with Tiffany

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<v Speaker 1>by my side, we managed to keep the podcast one

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<v Speaker 1>hundred percent under our ownership, and then when she graciously

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<v Speaker 1>stepped aside at the end, of last year. She gave

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<v Speaker 1>me her share. So Mandy is the well I should say,

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<v Speaker 1>Brown Ambition LLC. Shout out to my attorney and her

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<v Speaker 1>insane bills. My god, we won't talk with that on

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<v Speaker 1>another show. Thank you to iHeart for believing in the

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<v Speaker 1>show and for welcoming us to your network. This is

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<v Speaker 1>going to be the biggest year for Brown Ambition. I

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<v Speaker 1>can feel it in my bones and I can't wait.

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<v Speaker 1>By the way, y'all need to be sure you're a

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<v Speaker 1>subscribed to the Brown Ambition newsletter. Go to Bronambition podcast

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<v Speaker 1>dot com and make sure that you sign up for

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<v Speaker 1>the newsletter because some really exciting news is coming on

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<v Speaker 1>how we're going to be celebrating our ten year in aniversary.

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<v Speaker 1>I want to get into today's show. So today we

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<v Speaker 1>are back with the Brown Table and we have two

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<v Speaker 1>of my favorite human beings on planet Earth. Chris Browning

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<v Speaker 1>of Popcorn Finance. Y'all know him, my brother from another mother,

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<v Speaker 1>the guy that I love to give a hard time

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<v Speaker 1>and he gives it as good as he gets. Also

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<v Speaker 1>Berna Annette, who's the author of the book Money Out

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<v Speaker 1>Loud and also the founder of Hey Berna. She's a

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<v Speaker 1>personal finance educator. I just love her to pieces, and

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<v Speaker 1>Berna is actually talking about how she got burnt out

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<v Speaker 1>by the solo preneur life and how she might be

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<v Speaker 1>making a career pivot back into dare I say it,

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<v Speaker 1>corpor not there. It's fine, y'all, It's totally fine. And

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<v Speaker 1>then we're going to bring it to the real world.

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<v Speaker 1>What's happening with tariffs and honestly, what's happening with the

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<v Speaker 1>stock market. We're going to talk about how to cope

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<v Speaker 1>with the anxiety of what's happening in our markets right now,

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<v Speaker 1>with our government and the man children who are running

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<v Speaker 1>things and oh my days. We are going to talk

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<v Speaker 1>about how we're thinking about our investment and strategy, are saving, strategy.

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<v Speaker 2>Are budgeting.

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<v Speaker 1>I'm going to open up a lot about how my

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<v Speaker 1>values have shifted and how that actually pushed me in

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<v Speaker 1>the wrong direction financially, and how I am pulling myself back.

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<v Speaker 1>All right, So, without further ado, I hope you enjoy

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<v Speaker 1>today's episode. Hey, hey, via fam, welcome to Brown Ambition.

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<v Speaker 1>I am your host, Mandy Woodriff Santos. I just kicked

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<v Speaker 1>my camera, but that's so islan because you are listening

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<v Speaker 1>right if you're watching on YouTube, say hello YouTube fam.

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<v Speaker 1>By the way, Ba fan, did you know that we

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<v Speaker 1>also post on YouTube. I don't think my brand new,

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<v Speaker 1>shiny podcast network like wants me to tell you that,

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<v Speaker 1>because you know, audio is still king and how we

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<v Speaker 1>make money. But ran ambition, if you want to watch,

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<v Speaker 1>we are also on the YouTube and let's see, it

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<v Speaker 1>feels like a momentous day, completely selfishly for so many reasons.

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<v Speaker 1>But before I get to my favorite subject, wah, let

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<v Speaker 1>me introduce you to today's Brown panel co host so Ba Fam.

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<v Speaker 1>Whether you're listening for the first time in a while

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<v Speaker 1>or you are brand brand new, I have introduced this

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<v Speaker 1>like new format ever since my my beloved Tiff at

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<v Speaker 1>the end of last year, This new format where I

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<v Speaker 1>invite more friends onto the show and we chat about

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<v Speaker 1>the news you need to know when it comes to

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<v Speaker 1>your personal finance. But then always always, always serving up

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<v Speaker 1>a side of inspirational tea so that we don't give

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<v Speaker 1>into the sads and you know, go into our dark

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<v Speaker 1>you know, hibernation of doom and anxiety and doom scrolling.

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<v Speaker 1>But so that y'all at least live leave the podcast.

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<v Speaker 1>My hope is you leave the podcast feeling like, Okay,

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<v Speaker 1>I have some tools, some things I can do to

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<v Speaker 1>strategize and just like cope with this insanity financially, personally, mentally,

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<v Speaker 1>all the things. So today at the Brown Table, I

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<v Speaker 1>have got Chris Browning, fan of the show, biggest fan

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<v Speaker 1>of brownhibition in America, I.

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<v Speaker 3>Think, I think so I can almost guarantee biggest fan

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<v Speaker 3>of the show.

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<v Speaker 2>Now I'll fight you on that.

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<v Speaker 1>Back it up, Bura, back it up, back it up.

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<v Speaker 1>Honestly though, for Berna Annette Hey, Berna hello man also

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<v Speaker 1>joining the show, longtime listener, longtime BA fan.

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<v Speaker 2>Number one, be a fan. I will fight you all

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<v Speaker 2>about it. That's the topic today.

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<v Speaker 3>Fight. I'll let you have it.

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<v Speaker 1>That would be thank you, Berna. If you also, if

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<v Speaker 1>you're watching on YouTube, if you're not, if you're listening,

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<v Speaker 1>Berna has an incredible book that she published. You know,

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<v Speaker 1>I remember everything that happened the month before I had

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<v Speaker 1>my baby, and your book was one of those.

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<v Speaker 2>Also so nice.

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<v Speaker 1>Your book is also a Gemini or is it a Taurus?

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<v Speaker 2>She's a Taurus. It's actually she has the same birthday

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<v Speaker 2>as my partner, who is a hard Taurus.

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<v Speaker 1>Oh hard tourists.

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<v Speaker 2>I just like just the most torusy tourisy of all,

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<v Speaker 2>she said, hard tourist.

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<v Speaker 1>We want to get into that. Well, it's called Money

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<v Speaker 1>out Loud and whatever. The subtitle is something financial stuff.

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<v Speaker 1>That's something taught us. Read it to financial stuff. No

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<v Speaker 1>one taught us. There you go. I still don't have

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<v Speaker 1>a subtitle for my book, so I, you know, put

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<v Speaker 1>Money out Loud. Yes, and people can pick up a

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<v Speaker 1>copy at your local indie bookseller or bookshop dot org. Yes,

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<v Speaker 1>you know. Hm, and Chris has a podcast.

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<v Speaker 3>I do know book. You can't go anywhere and buy it,

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<v Speaker 3>but it's for free on the internet. It is, and

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<v Speaker 3>you do a.

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<v Speaker 1>Good job of breaking down lots of personal finance topics.

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<v Speaker 1>So I'm just happy to have you both in my

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<v Speaker 1>presence today. It is a big day today. We're recording

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<v Speaker 1>on April seventh, which happens to be my wedding anniversary.

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<v Speaker 3>Oh, happy anniversary. How long?

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<v Speaker 1>Eight years? Eight years twenty twenty twenty seventeen.

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<v Speaker 3>M your marriage is in second grade graduations.

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<v Speaker 1>It kind of feels like at ages, like dog years.

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<v Speaker 1>Sometimes I'm like, wow, I am so different. I was

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<v Speaker 1>showing my baby he's almost two Remy and I was

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<v Speaker 1>showing him some pictures from her wedding album and he

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<v Speaker 1>this is people always do us because for my wedding

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<v Speaker 1>I had my hair blown out straight and I wasn't

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<v Speaker 1>wearing glasses, and like, that's kind of a look my

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<v Speaker 1>hair and my glasses are kind of like what I

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<v Speaker 1>think people remember my signature and I had neither of those.

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<v Speaker 1>So when he saw my photos, he was like da da,

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<v Speaker 1>and he was I mean, I don't think he understands

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<v Speaker 1>what weddings are, but he's like, that's a lady. And

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<v Speaker 1>I was like, where's mama? Like, wow, I don't know,

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<v Speaker 1>you tell me. So that's always fun to look back

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<v Speaker 1>at photos and be like, wow, I was really hot

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<v Speaker 1>and slept very well, and that.

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<v Speaker 2>Was back stop this right now.

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<v Speaker 1>I was a different kind of hot, you know what

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<v Speaker 1>I mean. She hadn't been through a lot. She definitely

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<v Speaker 1>hadn't been through what I've been through.

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<v Speaker 2>Okay, you know what I mean. So the hotness is different.

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<v Speaker 1>The hotness he's weak and doesn't even know how strong

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<v Speaker 1>she is, you know what I mean?

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<v Speaker 3>But is it self confidence the hottest thing of all? Right?

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<v Speaker 1>Yeah, she was pretty confident.

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<v Speaker 3>I have ting to help you. I'm trying to give

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<v Speaker 3>you some argument with the healthy idea, why are.

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<v Speaker 1>You Raven's bridal finest but confident it's exactly coumbo. Yeah,

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<v Speaker 1>but yeah, I mean I was in such a different place.

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<v Speaker 1>I was reflecting. I also wrote, I wrote this sort

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<v Speaker 1>of I'm doing this book and I'm trying to tell

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<v Speaker 1>more about my story on social media, because not everybody

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<v Speaker 1>you know remembers us, contrary to our egotistical beliefs, or

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<v Speaker 1>maybe just mine. And I was like, damn, when we

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<v Speaker 1>got married in twenty seventeen, I had paid for that

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<v Speaker 1>wedding in cash. It was like a destination wedding. I

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<v Speaker 1>was so proud of that moment, and I suffered for

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<v Speaker 1>it in a way, Like I we moved in with

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<v Speaker 1>my in laws for five months leading up to our wedding,

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<v Speaker 1>so that it wasn't that I didn't have the money

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<v Speaker 1>saved up for the wedding. This is how like how

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<v Speaker 1>smart I was financially back then, and how free I

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<v Speaker 1>was without childcare expenses. But I had said, oh, I

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<v Speaker 1>have six months of savings which we could use for

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<v Speaker 1>the wedding. But I don't want to. I don't want

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<v Speaker 1>to dip into that. So we're going to go live

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<v Speaker 1>with your parents in this like cramped apartment and save

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<v Speaker 1>money on rent and delight your Dominican mother because I

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<v Speaker 1>loved it out of wedlock, doesn't matter. Like they were like,

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<v Speaker 1>please move it, cohabitate and we, yeah, saved rent for

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<v Speaker 1>five six months, and you know, got made it so

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<v Speaker 1>that we could pay for that wedding and then not

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<v Speaker 1>have to like come out the other side even though

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<v Speaker 1>we paid for in cash. I didn't want to feel

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<v Speaker 1>that was all my cash.

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<v Speaker 4>Oh you know what I mean, that's so smart. I

0:12:04.440 --> 0:12:06.559
<v Speaker 4>did the exact opposite. So I'm it's always not see

0:12:06.559 --> 0:12:08.360
<v Speaker 4>if someone who did something back.

0:12:08.440 --> 0:12:10.160
<v Speaker 1>But I forgot you were a married man.

0:12:11.000 --> 0:12:12.600
<v Speaker 4>Yeah, I was like, hey, how about how about this

0:12:12.600 --> 0:12:14.040
<v Speaker 4>goes on a credit card because I have no cash.

0:12:14.080 --> 0:12:15.320
<v Speaker 4>That's what happened to me.

0:12:16.240 --> 0:12:17.960
<v Speaker 1>Really yeah, not smart?

0:12:18.360 --> 0:12:18.760
<v Speaker 3>Not smart?

0:12:18.920 --> 0:12:22.160
<v Speaker 1>What did you put on a credit card? Ven you food, every.

0:12:21.840 --> 0:12:24.920
<v Speaker 4>Mandy everything, because when you have no money, everything goes

0:12:24.960 --> 0:12:25.439
<v Speaker 4>under credit.

0:12:25.760 --> 0:12:28.200
<v Speaker 1>They were charging that three percent fee on top of.

0:12:28.160 --> 0:12:30.360
<v Speaker 3>That, scraping away.

0:12:31.240 --> 0:12:32.920
<v Speaker 4>You know, it took years to pay that off. So

0:12:33.160 --> 0:12:35.080
<v Speaker 4>you know, it's always nice to hear someone else because

0:12:35.120 --> 0:12:37.600
<v Speaker 4>I mean, you said you didn't pay rent. You weren't

0:12:37.600 --> 0:12:39.000
<v Speaker 4>paying New York rent, right because you guys are living

0:12:39.040 --> 0:12:40.280
<v Speaker 4>in New York at the time, so that's a lot

0:12:40.280 --> 0:12:40.600
<v Speaker 4>of money.

0:12:40.640 --> 0:12:41.000
<v Speaker 3>You were saying.

0:12:41.080 --> 0:12:43.439
<v Speaker 1>Our rent was like twenty one hundred dollars a month.

0:12:43.679 --> 0:12:45.800
<v Speaker 1>And I loved my apartment. I loved my freedom. That's

0:12:45.840 --> 0:12:49.600
<v Speaker 1>why I say I suffered. I only I'm not recommending

0:12:49.600 --> 0:12:53.520
<v Speaker 1>that as a personal finance strategy, although although you know,

0:12:53.800 --> 0:12:57.959
<v Speaker 1>like I've gotten more self conscious about the the d

0:12:58.200 --> 0:13:02.800
<v Speaker 1>and I don't know, like the what not strict what

0:13:02.920 --> 0:13:08.680
<v Speaker 1>is the word the drastic measures I took to save

0:13:08.760 --> 0:13:12.000
<v Speaker 1>and invest as aggressively as I did in my twenties.

0:13:12.000 --> 0:13:14.160
<v Speaker 1>Sometimes I feel a little self conscious saying that is

0:13:14.200 --> 0:13:17.920
<v Speaker 1>if it's a strategy, because I think there's this sense

0:13:17.960 --> 0:13:19.840
<v Speaker 1>now you guys tell me, I've been doing this since

0:13:19.880 --> 0:13:23.000
<v Speaker 1>I feel like I was twelve. Now I'm one hundred

0:13:23.640 --> 0:13:26.040
<v Speaker 1>talking about money. But it feels like now it's not

0:13:26.240 --> 0:13:30.200
<v Speaker 1>as welcome to give these like aggressive savings and investing

0:13:30.200 --> 0:13:34.439
<v Speaker 1>strategies like oh yeah, give up your independence, move out

0:13:34.440 --> 0:13:38.000
<v Speaker 1>of your cute apartment, move in to your future in

0:13:38.080 --> 0:13:43.800
<v Speaker 1>laws apartment, and suffer the suffocation that comes with that

0:13:43.920 --> 0:13:47.880
<v Speaker 1>particular dynamic because I'd meant I married a first born

0:13:47.880 --> 0:13:49.760
<v Speaker 1>Dominican prince, so like I knew when I was getting more.

0:13:50.960 --> 0:13:54.160
<v Speaker 2>Okay, No, I think you're right. I think it's like

0:13:55.240 --> 0:13:56.880
<v Speaker 2>when you say it, even as you're saying it, the

0:13:56.960 --> 0:14:01.160
<v Speaker 2>like aggressively save when you're twelve and well, it kind

0:14:01.200 --> 0:14:05.720
<v Speaker 2>of reeks of like toxic fire movement, just like maybe

0:14:06.000 --> 0:14:09.679
<v Speaker 2>life as like make your life terrible so that maybe

0:14:09.720 --> 0:14:12.679
<v Speaker 2>one day it might be kind of good in fifteen years.

0:14:12.880 --> 0:14:15.600
<v Speaker 2>And I would in my mind credit gen z Vibes

0:14:15.640 --> 0:14:17.520
<v Speaker 2>to this, because I know a lot of young people

0:14:17.520 --> 0:14:20.800
<v Speaker 2>are like, wait, pulled up. Our future is not as

0:14:20.840 --> 0:14:23.880
<v Speaker 2>guaranteed as you millennials thought it was. And so I'm

0:14:23.920 --> 0:14:26.240
<v Speaker 2>going to enjoy myself now. I'm going to work less,

0:14:26.440 --> 0:14:30.080
<v Speaker 2>like I don't want to like you know, move fast

0:14:30.120 --> 0:14:32.560
<v Speaker 2>break things. I don't want to live that like crazy

0:14:32.640 --> 0:14:36.200
<v Speaker 2>tech life for intense hustle life. Got to give credit

0:14:36.320 --> 0:14:38.080
<v Speaker 2>to that, but we didn't. We had to do. You

0:14:38.160 --> 0:14:39.920
<v Speaker 2>made the decisions that you knew were right at the time.

0:14:40.600 --> 0:14:43.520
<v Speaker 1>I made the decision because it was temporary and I

0:14:43.600 --> 0:14:46.400
<v Speaker 1>knew that I did I did know that, and I

0:14:46.560 --> 0:14:49.440
<v Speaker 1>and we were on our way out, like we were

0:14:49.480 --> 0:14:51.880
<v Speaker 1>on our way out of the renting life anyway, and

0:14:52.600 --> 0:14:54.480
<v Speaker 1>I part of me knew we were also going to

0:14:54.520 --> 0:14:56.480
<v Speaker 1>be saving up for what could be a down payment

0:14:56.520 --> 0:14:59.280
<v Speaker 1>to a house, and so I thought, I think it

0:14:59.320 --> 0:15:01.720
<v Speaker 1>really came down like the least was going to be renewed.

0:15:01.720 --> 0:15:03.080
<v Speaker 1>We knew we didn't want to be there for a

0:15:03.080 --> 0:15:05.760
<v Speaker 1>full year, and so all the things sort of aligned

0:15:05.760 --> 0:15:08.960
<v Speaker 1>for me, the cost savings, the logistics of being a renter,

0:15:09.160 --> 0:15:12.040
<v Speaker 1>and having like to sign a contract to be stuck somewhere.

0:15:12.640 --> 0:15:16.160
<v Speaker 1>So I'm grateful for it, but yeah, I had to

0:15:16.200 --> 0:15:19.360
<v Speaker 1>do all day. I couldn't. I couldn't. We could have

0:15:19.480 --> 0:15:22.560
<v Speaker 1>delayed our marriage, you know, we didn't have to get

0:15:22.600 --> 0:15:25.320
<v Speaker 1>married that quickly, but it is what I did. I'm

0:15:25.440 --> 0:15:28.320
<v Speaker 1>I'm super grateful to the decisions I made in my twenties.

0:15:28.360 --> 0:15:33.200
<v Speaker 1>But being now eight years from that moment and with

0:15:33.360 --> 0:15:35.680
<v Speaker 1>two kids and I have the house that I thought

0:15:35.680 --> 0:15:37.320
<v Speaker 1>I was going to be saving for a down payment

0:15:37.360 --> 0:15:41.120
<v Speaker 1>for back then, and I'm like, you did it. But

0:15:41.320 --> 0:15:44.480
<v Speaker 1>you know, also those those like memes now on the

0:15:44.800 --> 0:15:47.400
<v Speaker 1>trend on social media where it's like a picture of

0:15:47.480 --> 0:15:49.960
<v Speaker 1>you from your past and it's like, oh, she had

0:15:50.000 --> 0:15:53.840
<v Speaker 1>no idea stress.

0:15:53.240 --> 0:15:55.360
<v Speaker 3>And anxiety that was about to come down the road.

0:15:56.000 --> 0:15:59.920
<v Speaker 1>What would y'all's financial like? But he didn't know, She

0:16:00.240 --> 0:16:04.200
<v Speaker 1>didn't know. If you can go like eight years, eight years?

0:16:04.280 --> 0:16:06.960
<v Speaker 2>Okay, eight years? We're in where twenty twenty seventeen?

0:16:07.120 --> 0:16:09.400
<v Speaker 4>Yes, yeah, well sorry, I got to burst Maddy's bubble

0:16:09.400 --> 0:16:14.400
<v Speaker 4>because eight years ago is not our twenties. Mandy, let's relax, okay, speak.

0:16:14.040 --> 0:16:18.760
<v Speaker 1>For yourself to the family, shows of all, shut your faith.

0:16:18.840 --> 0:16:23.560
<v Speaker 1>It is because I am still I was twenty nine

0:16:23.560 --> 0:16:27.160
<v Speaker 1>when I got married. Okay, So thank you very much.

0:16:27.440 --> 0:16:29.720
<v Speaker 3>Okay, between nine for about three weeks before you go.

0:16:31.960 --> 0:16:34.200
<v Speaker 2>No, no, she rounded down.

0:16:34.280 --> 0:16:37.960
<v Speaker 1>Yes, April in August or how many months apart, like

0:16:38.040 --> 0:16:46.760
<v Speaker 1>seven in some cultures in the calendars Gregorian calendars, thank you.

0:16:47.360 --> 0:16:52.640
<v Speaker 1>Astrological my house is in Mercury, the twelfth South, okay,

0:16:52.880 --> 0:16:57.000
<v Speaker 1>and I am a rising Aquarius. Okay. Flu so it

0:16:57.080 --> 0:17:04.720
<v Speaker 1>all mathematically, it all makes sense, okay. Mythologies, Christopher, what

0:17:04.840 --> 0:17:08.359
<v Speaker 1>if you could go back? What? Yeah? What would yours be? Chris?

0:17:08.400 --> 0:17:10.040
<v Speaker 1>I'm gonst start with you because you hate being put

0:17:10.119 --> 0:17:11.280
<v Speaker 1>on the spot, and I do.

0:17:11.880 --> 0:17:12.159
<v Speaker 3>I was.

0:17:12.200 --> 0:17:13.520
<v Speaker 4>I was here to make that joke and then let

0:17:13.520 --> 0:17:16.199
<v Speaker 4>burna talk, so I could think, you know how we are.

0:17:16.440 --> 0:17:19.919
<v Speaker 1>You're a very simple man. So eight years ago, what

0:17:19.920 --> 0:17:22.840
<v Speaker 1>would you tell your what what didn't you know? And like,

0:17:22.880 --> 0:17:25.000
<v Speaker 1>what do you know now? Financially, what would your your

0:17:25.320 --> 0:17:26.199
<v Speaker 1>little post be?

0:17:26.720 --> 0:17:29.439
<v Speaker 4>You know, because I was thirty eight years ago, you know,

0:17:29.600 --> 0:17:35.280
<v Speaker 4>so I'm not ashamed. What I would tell myself, my

0:17:35.359 --> 0:17:38.000
<v Speaker 4>thirty year old self who was eight years ago back

0:17:38.000 --> 0:17:40.320
<v Speaker 4>in the past, is that you just got to relax

0:17:40.400 --> 0:17:43.399
<v Speaker 4>a little bit. I think you still feel like your

0:17:43.880 --> 0:17:46.000
<v Speaker 4>life is going so fast and you're so old. When

0:17:46.000 --> 0:17:48.480
<v Speaker 4>you're thirty and you're not old at all. You feel like, oh,

0:17:48.800 --> 0:17:50.960
<v Speaker 4>my twenties have passed by. What have I accomplished with

0:17:51.000 --> 0:17:53.000
<v Speaker 4>my life? I need to be doing this. I'm so

0:17:53.000 --> 0:17:55.320
<v Speaker 4>far behind. I don't I have a house, I don't

0:17:55.320 --> 0:17:57.240
<v Speaker 4>have that much safe for retirement, and I just beat

0:17:57.280 --> 0:17:59.680
<v Speaker 4>myself up all the time. And I think I would

0:17:59.680 --> 0:18:01.960
<v Speaker 4>just tell me stuff just to relax, because like, now

0:18:02.119 --> 0:18:05.280
<v Speaker 4>eight years that have passed, it feels like so much time,

0:18:05.560 --> 0:18:07.360
<v Speaker 4>and I feel so much older than I did when

0:18:07.359 --> 0:18:08.720
<v Speaker 4>I was thirty, and I was like, it wasn't really

0:18:08.720 --> 0:18:10.440
<v Speaker 4>that big of a deal. You could have just relaxed

0:18:10.480 --> 0:18:12.760
<v Speaker 4>a little bit. But I was just stressing myself out

0:18:12.800 --> 0:18:14.400
<v Speaker 4>all the time and just looking at everybody else.

0:18:14.760 --> 0:18:16.600
<v Speaker 1>How did that impact you financially? Is that one of

0:18:16.640 --> 0:18:18.399
<v Speaker 1>the reasons why you spent so much money on your

0:18:18.400 --> 0:18:19.199
<v Speaker 1>wedding on credit?

0:18:19.840 --> 0:18:21.960
<v Speaker 3>Oh? Why I got married in my twenties?

0:18:22.000 --> 0:18:25.480
<v Speaker 2>I like that solidly twenties, he said.

0:18:25.800 --> 0:18:28.080
<v Speaker 4>So I went through all that debt in my twenties,

0:18:28.080 --> 0:18:30.000
<v Speaker 4>and I think I ended up paying it off in

0:18:30.800 --> 0:18:33.480
<v Speaker 4>you know, I right before my thirtieth birthday is when

0:18:33.520 --> 0:18:35.840
<v Speaker 4>I paid off my credit card debt that was from

0:18:35.840 --> 0:18:38.320
<v Speaker 4>the wedding and all the other stuff. And so but

0:18:38.359 --> 0:18:40.320
<v Speaker 4>I stressed myself off paying that out, like kind of

0:18:40.359 --> 0:18:41.919
<v Speaker 4>like you, like you just I had moved in with

0:18:42.000 --> 0:18:44.520
<v Speaker 4>family for we only lasted a few months.

0:18:44.520 --> 0:18:46.040
<v Speaker 3>We couldn't do more than that. It was like we

0:18:46.080 --> 0:18:47.800
<v Speaker 3>went there, We're gonna say some money's like you know what,

0:18:48.040 --> 0:18:50.400
<v Speaker 3>and all right, it got out of there.

0:18:50.760 --> 0:18:53.040
<v Speaker 4>We had like I was like I was doing door

0:18:53.160 --> 0:18:55.800
<v Speaker 4>dash and like ooh and uh what was called Postmates?

0:18:55.840 --> 0:18:58.359
<v Speaker 4>I was selling shoes on eBay. I was doing all

0:18:58.440 --> 0:19:00.600
<v Speaker 4>kinds of stuff trying to make some extra money, and

0:19:00.640 --> 0:19:02.720
<v Speaker 4>I was really stressing myself out, and I wish I

0:19:02.760 --> 0:19:04.480
<v Speaker 4>would have just relaxed a little bit. I'm happy that

0:19:04.560 --> 0:19:06.480
<v Speaker 4>I got through it and paid it off. I could

0:19:06.560 --> 0:19:08.520
<v Speaker 4>I could have. I could have relaxed just a little

0:19:08.520 --> 0:19:09.760
<v Speaker 4>bit on all that nuts at time.

0:19:09.840 --> 0:19:11.800
<v Speaker 1>That's like what you were kind of saying, burna about

0:19:11.800 --> 0:19:15.680
<v Speaker 1>that whole like intent, the aggressive thing, like pay off

0:19:15.680 --> 0:19:16.920
<v Speaker 1>everything you know.

0:19:17.080 --> 0:19:19.440
<v Speaker 2>Now, because if you don't, you suck and you're losing.

0:19:19.560 --> 0:19:22.240
<v Speaker 2>I mean, meanwhile, unto we had like we didn't even

0:19:22.359 --> 0:19:24.800
<v Speaker 2>have finn Talk back then, where you had all the

0:19:24.840 --> 0:19:29.240
<v Speaker 2>bros like really shaming you, we're shaving ourselves more than enough.

0:19:29.320 --> 0:19:31.879
<v Speaker 1>But they still had blogs, so it took longer for

0:19:31.960 --> 0:19:37.640
<v Speaker 1>the blog friends to trickle down, but they were, yeah,

0:19:37.880 --> 0:19:40.639
<v Speaker 1>that's that's good. You got there in the end, Chris, Okay,

0:19:40.760 --> 0:19:45.320
<v Speaker 1>Berna your your meme today, Like, oh, she didn't she

0:19:45.359 --> 0:19:45.879
<v Speaker 1>didn't know.

0:19:46.080 --> 0:19:49.520
<v Speaker 2>But in twenty seventeen, I was twenty seven, thank you

0:19:49.600 --> 0:19:53.520
<v Speaker 2>very much, And by oh my gosh. At that time,

0:19:54.160 --> 0:19:57.960
<v Speaker 2>I was quitting my job at Instagram. I was in tech,

0:19:58.080 --> 0:20:00.439
<v Speaker 2>but I was at that job on purpose. To I

0:20:00.480 --> 0:20:02.840
<v Speaker 2>was like, I'm going to ring this towel out, get

0:20:02.880 --> 0:20:05.119
<v Speaker 2>this money, pay off of my student loans. So like

0:20:05.520 --> 0:20:07.359
<v Speaker 2>twenty seventeen is when I was paying off all of

0:20:07.359 --> 0:20:09.280
<v Speaker 2>my debt. I was finishing my debt for my twenties,

0:20:09.560 --> 0:20:12.119
<v Speaker 2>and then I was like victory lap. I quit my

0:20:12.200 --> 0:20:15.320
<v Speaker 2>job in twenty seventeen and traveled all twenty eighteen, and

0:20:15.400 --> 0:20:17.640
<v Speaker 2>so it was like it was definitely a high point

0:20:17.680 --> 0:20:20.960
<v Speaker 2>for me financially because I'd been doing the hustling. The

0:20:21.040 --> 0:20:24.720
<v Speaker 2>hustling for me meant I was going to say something

0:20:24.720 --> 0:20:28.360
<v Speaker 2>more vulgar, but doing tech things, doing just hanging out

0:20:28.359 --> 0:20:30.959
<v Speaker 2>with the tech gods, you know, and being like me

0:20:30.960 --> 0:20:32.800
<v Speaker 2>me meaning me corporate brand a la la la la lah,

0:20:33.000 --> 0:20:36.760
<v Speaker 2>and putting all that money. I also was living with

0:20:36.800 --> 0:20:38.800
<v Speaker 2>my parents. My partner and I were living with my

0:20:38.880 --> 0:20:41.919
<v Speaker 2>parents at the time because we had this goal of

0:20:42.080 --> 0:20:43.160
<v Speaker 2>paying off all of our debt.

0:20:43.280 --> 0:20:45.840
<v Speaker 1>Wait a minute, so all three of us, I'm not

0:20:45.960 --> 0:20:48.760
<v Speaker 1>special or weird, we all three of us were doing

0:20:48.800 --> 0:20:53.480
<v Speaker 1>the most living with the parentals, whether ours or another's.

0:20:53.840 --> 0:20:57.400
<v Speaker 2>Yes, yes, okay, yes, yeah, I was in the arguments. Yeah,

0:20:57.560 --> 0:20:59.920
<v Speaker 2>I was like living very like the whole fifty third

0:21:00.160 --> 0:21:02.679
<v Speaker 2>twenty thing of like it's supposed to be fifty percent

0:21:03.080 --> 0:21:04.879
<v Speaker 2>of like your knees or whatever. I was living like

0:21:05.040 --> 0:21:08.560
<v Speaker 2>seventy ten fift whatever is the rest of the math,

0:21:08.560 --> 0:21:12.240
<v Speaker 2>because I don't twenty great. Thank you love being around

0:21:12.600 --> 0:21:16.800
<v Speaker 2>human calculators. But that was I didn't know. What I

0:21:16.840 --> 0:21:19.320
<v Speaker 2>didn't know at the time was all of that laid

0:21:19.359 --> 0:21:22.280
<v Speaker 2>the seeds for a very wild ride. I would tell her,

0:21:22.320 --> 0:21:25.000
<v Speaker 2>buckle up, girl, like what you just did and all

0:21:25.040 --> 0:21:27.720
<v Speaker 2>the things, all the seeds you planted, and how you

0:21:27.760 --> 0:21:31.040
<v Speaker 2>work so hard. That's about to open a chapter that

0:21:31.080 --> 0:21:33.800
<v Speaker 2>you can even imagine. Because then I've traveled for a

0:21:33.880 --> 0:21:37.760
<v Speaker 2>year and backpacked through Asia, did that whole millennial thing,

0:21:38.000 --> 0:21:40.159
<v Speaker 2>and then started, hey burnis stuff the next year, so

0:21:40.920 --> 0:21:42.480
<v Speaker 2>I didn't even know. I don't know where I was going.

0:21:42.520 --> 0:21:45.120
<v Speaker 2>I was just like one way ticket to Auckland, let's go.

0:21:46.880 --> 0:21:54.840
<v Speaker 1>I did that. Oh my goodness. I love that. I

0:21:54.880 --> 0:21:56.960
<v Speaker 1>mean I think that. I mean even just that fifty

0:21:56.960 --> 0:21:59.600
<v Speaker 1>to thirty twenty thing that you mentioned that it is

0:21:59.680 --> 0:22:03.680
<v Speaker 1>still like that, the fire movement. There are still these

0:22:03.800 --> 0:22:08.320
<v Speaker 1>tropes of personal finance. These I know you're not supposed

0:22:08.320 --> 0:22:11.840
<v Speaker 1>to say roll of thumb anymore, and I just did it.

0:22:12.080 --> 0:22:14.360
<v Speaker 1>That's something about men used to use that to beat

0:22:14.359 --> 0:22:15.560
<v Speaker 1>their wives or something.

0:22:15.680 --> 0:22:17.320
<v Speaker 3>What's the not.

0:22:17.280 --> 0:22:20.600
<v Speaker 1>A phrase you want to use anymore? Oh snah, yeah.

0:22:20.680 --> 0:22:22.399
<v Speaker 1>By the way, Jay Sheddy said, pow wow on his

0:22:22.480 --> 0:22:25.600
<v Speaker 1>podcast of all the well, I don't know, I don't

0:22:25.640 --> 0:22:29.080
<v Speaker 1>know I'm supposed say that anymore. But anyway, like the

0:22:29.080 --> 0:22:31.919
<v Speaker 1>these trope, the personal finance, I was all about that

0:22:31.960 --> 0:22:35.280
<v Speaker 1>fifty thirty twenty life, which is for those who maybe

0:22:35.280 --> 0:22:36.960
<v Speaker 1>are first hearing about this for the first time, it's

0:22:36.960 --> 0:22:41.119
<v Speaker 1>fifty percent covers your essentials, right, and then there is it.

0:22:41.280 --> 0:22:45.600
<v Speaker 1>Thirty percent is for your need, your wants, your wants,

0:22:45.640 --> 0:22:47.080
<v Speaker 1>and then twenty is for the needs.

0:22:47.560 --> 0:22:48.959
<v Speaker 2>Twenties for your financial goals.

0:22:49.240 --> 0:22:54.480
<v Speaker 1>Financial goals. Okay, yeah, fifty thirty. So within that fifty

0:22:54.600 --> 0:23:01.000
<v Speaker 1>is like rent food. I'm talking that was like an today,

0:23:01.000 --> 0:23:04.760
<v Speaker 1>that's like an eighty twenty because you're rent and housing

0:23:04.880 --> 0:23:10.320
<v Speaker 1>alone a fifty percent easily easy, Yes, easily. And back then,

0:23:10.400 --> 0:23:12.679
<v Speaker 1>I mean I can so because I wrote articles for

0:23:12.760 --> 0:23:16.000
<v Speaker 1>Business Insider, Yahoo Finance. I was in this shit every

0:23:16.119 --> 0:23:19.439
<v Speaker 1>day saying the same thing, which was, you know, fifty

0:23:19.440 --> 0:23:24.640
<v Speaker 1>percent ideally, but I like to keep my housing expenses,

0:23:24.840 --> 0:23:29.639
<v Speaker 1>you know, my essentials less than thirty percent, me and

0:23:29.720 --> 0:23:34.000
<v Speaker 1>my childless. You know, freedom like just doing the most

0:23:34.040 --> 0:23:35.560
<v Speaker 1>and you know what, shout out to her because at

0:23:35.640 --> 0:23:38.800
<v Speaker 1>least she saved that extra money because God, the way

0:23:38.800 --> 0:23:41.320
<v Speaker 1>that I know, I could be rich if I had

0:23:41.359 --> 0:23:45.240
<v Speaker 1>these kids. But I am rich in love and legos

0:23:45.400 --> 0:23:46.960
<v Speaker 1>so exact.

0:23:46.560 --> 0:23:49.800
<v Speaker 2>And legos love and love light, legos live laugh.

0:23:50.240 --> 0:23:54.520
<v Speaker 1>That's definitely one of the rules. I feel like, looking

0:23:54.560 --> 0:23:58.520
<v Speaker 1>back eight years ago, I did I. You know what,

0:23:58.600 --> 0:24:02.320
<v Speaker 1>I'm proud of my values. I think the values that

0:24:02.359 --> 0:24:05.000
<v Speaker 1>I had back then were really in alignment with how

0:24:05.040 --> 0:24:09.919
<v Speaker 1>I was spending my money. I really valued experiences over things.

0:24:10.000 --> 0:24:12.320
<v Speaker 1>And so for me, the wedding, even though that seems

0:24:12.359 --> 0:24:15.119
<v Speaker 1>like something that is so about, like, you know, pleasing

0:24:15.119 --> 0:24:17.359
<v Speaker 1>everybody else, it was genuinely about I want to have

0:24:17.400 --> 0:24:19.679
<v Speaker 1>a big ass party. I want to have the best food.

0:24:19.880 --> 0:24:21.879
<v Speaker 1>I want to do it in Georgia, where I'm from.

0:24:22.320 --> 0:24:24.800
<v Speaker 1>I want to have these memories that you know, and

0:24:24.960 --> 0:24:28.239
<v Speaker 1>bring joy for my family and friends. And I did that,

0:24:28.560 --> 0:24:31.439
<v Speaker 1>and it was so in alignment. It would be so

0:24:31.640 --> 0:24:34.800
<v Speaker 1>different if I had suffered with my in laws to

0:24:34.920 --> 0:24:37.400
<v Speaker 1>then spend money on this wedding and pay for it cash,

0:24:37.440 --> 0:24:39.480
<v Speaker 1>and it was a wedding I didn't even want, no

0:24:39.560 --> 0:24:42.399
<v Speaker 1>thank you. At least it was so in alignment with

0:24:42.440 --> 0:24:44.679
<v Speaker 1>my values, and we did our you know, we loved

0:24:44.840 --> 0:24:48.200
<v Speaker 1>traveling women to Italy, so you know, and I spent

0:24:48.320 --> 0:24:54.080
<v Speaker 1>a lot of money on Broadway shows and those other experiences,

0:24:54.240 --> 0:24:56.760
<v Speaker 1>and it was in so much alignment with who I

0:24:56.800 --> 0:25:01.440
<v Speaker 1>am and what I value. Now, what I would tell

0:25:01.440 --> 0:25:04.320
<v Speaker 1>her is like, she has no idea how difficult, how

0:25:04.359 --> 0:25:07.199
<v Speaker 1>far away she's going to get from those values in

0:25:07.240 --> 0:25:09.280
<v Speaker 1>the next eight years, and how she's going to have

0:25:09.280 --> 0:25:16.800
<v Speaker 1>to claw claw herself back because when I I don't

0:25:16.840 --> 0:25:19.720
<v Speaker 1>know if it's a combination of motherhood plus pandemic. It

0:25:19.720 --> 0:25:22.200
<v Speaker 1>could be both, honestly, because I had my first son

0:25:22.240 --> 0:25:26.479
<v Speaker 1>in twenty nineteen, like three months before shut down, and

0:25:27.200 --> 0:25:30.960
<v Speaker 1>I think with the heightened level of anxiety and mental

0:25:31.000 --> 0:25:33.359
<v Speaker 1>struggles that I as long as what the whole world

0:25:33.359 --> 0:25:37.760
<v Speaker 1>were going through. But I'll just speak for myself, and

0:25:37.800 --> 0:25:41.680
<v Speaker 1>I wasn't able to, like I wasn't able to use

0:25:41.720 --> 0:25:43.679
<v Speaker 1>money to do the things that really had brought me

0:25:43.840 --> 0:25:46.680
<v Speaker 1>had had to align with my values before, like family

0:25:46.720 --> 0:25:49.760
<v Speaker 1>and friends, and you couldn't go anywhere, you couldn't do

0:25:49.960 --> 0:25:52.680
<v Speaker 1>very many things, so all of us just bought crap, right,

0:25:53.359 --> 0:25:58.280
<v Speaker 1>you would buy things. And I think my addiction that

0:25:58.440 --> 0:26:02.120
<v Speaker 1>dopamine hit of like I can order something, I can

0:26:02.119 --> 0:26:06.359
<v Speaker 1>get delivered. I can especially for the kids. I would

0:26:06.600 --> 0:26:12.960
<v Speaker 1>my firstborn son, like buying him activities and toys and

0:26:13.640 --> 0:26:17.280
<v Speaker 1>things that felt like a way of bringing joy to

0:26:17.400 --> 0:26:21.840
<v Speaker 1>me and to us. And I get it because where

0:26:21.840 --> 0:26:24.520
<v Speaker 1>else were you getting that from? Living in you know,

0:26:25.080 --> 0:26:28.720
<v Speaker 1>in the dark winter of Newark at the time. And anyhow,

0:26:28.800 --> 0:26:31.959
<v Speaker 1>I think that kicked off for me, this sort of

0:26:32.040 --> 0:26:36.520
<v Speaker 1>like slippery slope where I started to be attracted to

0:26:36.800 --> 0:26:41.199
<v Speaker 1>I started to get those dopamine hits and that that

0:26:41.359 --> 0:26:46.560
<v Speaker 1>like soothing from stuff and from things, and I next thing,

0:26:46.640 --> 0:26:50.440
<v Speaker 1>you know, and then I'm not giving time to myself.

0:26:50.480 --> 0:26:53.359
<v Speaker 1>I'm not you know, pouring into things that I love.

0:26:53.520 --> 0:26:57.560
<v Speaker 1>I am putting house child, this new lifestyle in front

0:26:57.560 --> 0:27:00.840
<v Speaker 1>of it. By the way, also business, because I'm like

0:27:00.920 --> 0:27:04.040
<v Speaker 1>launching my own thing. And then it's and then I

0:27:04.080 --> 0:27:09.560
<v Speaker 1>do end up being like oh oh, looking around and

0:27:09.840 --> 0:27:11.520
<v Speaker 1>I don't feel the way I did at my wedding,

0:27:11.560 --> 0:27:14.840
<v Speaker 1>where I was like, you know, didn't have I had

0:27:14.840 --> 0:27:16.240
<v Speaker 1>a lot less money in the bank, but I was

0:27:16.280 --> 0:27:18.159
<v Speaker 1>so happy with how I had spent it. And now

0:27:18.200 --> 0:27:20.840
<v Speaker 1>I'm looking around and I'm like, God, damn, there's a

0:27:20.880 --> 0:27:26.119
<v Speaker 1>lot of monster trucks. The monster trucks are not bringing

0:27:26.200 --> 0:27:28.080
<v Speaker 1>the joy.

0:27:28.320 --> 0:27:29.399
<v Speaker 3>You know. I think it's so easy.

0:27:29.400 --> 0:27:32.080
<v Speaker 4>I think people think once you like make some changes

0:27:32.080 --> 0:27:34.000
<v Speaker 4>in your life and with your money, you're just gonna

0:27:34.000 --> 0:27:36.120
<v Speaker 4>be perfect and great from then on out. But it's

0:27:36.160 --> 0:27:38.320
<v Speaker 4>so easy to fall back into old habits. Like it

0:27:38.320 --> 0:27:39.080
<v Speaker 4>doesn't matter how.

0:27:38.960 --> 0:27:41.160
<v Speaker 3>Long, how many years you spent doing the right thing.

0:27:41.600 --> 0:27:43.560
<v Speaker 4>It all it takes is a couple of bad moments

0:27:43.600 --> 0:27:45.639
<v Speaker 4>or weeks week times where you're just like, you know what,

0:27:46.000 --> 0:27:47.760
<v Speaker 4>I want to buy something online and it feels good

0:27:47.840 --> 0:27:49.360
<v Speaker 4>getting that package in the mail, and it's like it's

0:27:49.359 --> 0:27:51.200
<v Speaker 4>so easy to slip back into those old habits. So

0:27:51.480 --> 0:27:53.760
<v Speaker 4>you know, I definitely understand what you're saying because I've

0:27:53.760 --> 0:27:54.520
<v Speaker 4>done that for sure.

0:27:55.160 --> 0:27:58.359
<v Speaker 2>Yeah, especially and this is that was like global reaction

0:27:58.440 --> 0:28:01.280
<v Speaker 2>to crisis. Yeah, in most of our lives where it

0:28:01.320 --> 0:28:03.320
<v Speaker 2>was just I was just talking about that with my partner,

0:28:03.359 --> 0:28:06.120
<v Speaker 2>Like that was a moment around lockdown and everything where

0:28:06.160 --> 0:28:09.480
<v Speaker 2>you got to see everybody's crisis response, and like you said, Mandy,

0:28:09.560 --> 0:28:11.680
<v Speaker 2>all we could do was click around online. And but

0:28:11.720 --> 0:28:14.080
<v Speaker 2>I think that was like the only hit of joy

0:28:14.600 --> 0:28:16.520
<v Speaker 2>and then clawing out of that. I still feel like

0:28:16.920 --> 0:28:19.600
<v Speaker 2>what five years later, we're still sort of crawling out

0:28:19.640 --> 0:28:23.679
<v Speaker 2>of the effects of that time, and it hit everybody financially.

0:28:23.760 --> 0:28:26.400
<v Speaker 2>It was when that was a moment where I, as

0:28:26.400 --> 0:28:29.479
<v Speaker 2>my business coach, likes to remind me my crisis response

0:28:29.560 --> 0:28:32.800
<v Speaker 2>is to work and make things even when I am

0:28:32.880 --> 0:28:36.520
<v Speaker 2>tired and sad. So we did this whole like week

0:28:36.640 --> 0:28:39.640
<v Speaker 2>of like free classes. I was like, Wow, let's do

0:28:39.840 --> 0:28:42.040
<v Speaker 2>like a money thing for people, so people can do

0:28:42.440 --> 0:28:44.920
<v Speaker 2>like get free budgeting classes for a week. But tired

0:28:44.960 --> 0:28:49.240
<v Speaker 2>myself out because my crisis response was serve, sacrifice, figure

0:28:49.280 --> 0:28:51.280
<v Speaker 2>it out, ignore my feelings and try to take care

0:28:51.320 --> 0:28:55.600
<v Speaker 2>of other people. And all this therapy later, I still

0:28:55.600 --> 0:28:58.920
<v Speaker 2>have not fixed that, but well we're figuring it out.

0:28:59.640 --> 0:29:05.440
<v Speaker 1>Listen. Therapy is not enough. Sometimes there's not. I I

0:29:05.480 --> 0:29:08.400
<v Speaker 1>have had, I think, I've I think everyone has their

0:29:08.400 --> 0:29:10.800
<v Speaker 1>own combination. But therapy is like a piece of it,

0:29:11.320 --> 0:29:14.960
<v Speaker 1>you know, for figuring ourselves out and like getting that piece.

0:29:15.040 --> 0:29:17.960
<v Speaker 1>It's definitely an important piece. But yeah, I would also

0:29:18.000 --> 0:29:20.080
<v Speaker 1>look back and be like, oh, she didn't know that

0:29:20.120 --> 0:29:22.479
<v Speaker 1>therapy was not going to do at all, do all

0:29:22.520 --> 0:29:26.000
<v Speaker 1>the work, even one out one hour a week. No, no, girl,

0:29:26.000 --> 0:29:30.040
<v Speaker 1>you need mode in it. I'm super grateful that target

0:29:30.280 --> 0:29:32.640
<v Speaker 1>did did its did it did its big one and

0:29:32.680 --> 0:29:35.040
<v Speaker 1>got rid of DEI because the way that this boycott

0:29:35.080 --> 0:29:38.280
<v Speaker 1>is doing wonders for my budget. Bounced, my budget grew up.

0:29:39.960 --> 0:29:43.680
<v Speaker 1>I now it's just become. It broke the spell. I

0:29:43.720 --> 0:29:46.600
<v Speaker 1>have not shopped. And y'all know the chokehold that suburban

0:29:46.680 --> 0:29:48.920
<v Speaker 1>moms have with Targeted. Don't know if you know that

0:29:49.400 --> 0:29:53.080
<v Speaker 1>it's strong, so strong, you make a day of it,

0:29:53.320 --> 0:29:57.120
<v Speaker 1>hundreds of hundreds of dollars multiple times a month, and

0:29:58.080 --> 0:30:01.520
<v Speaker 1>it's dead. It deaded. I don't. I haven't gone into one.

0:30:01.720 --> 0:30:04.520
<v Speaker 1>And I also I don't want to. I don't want

0:30:04.520 --> 0:30:07.239
<v Speaker 1>to freak anybody out. But and this is just a

0:30:07.240 --> 0:30:10.000
<v Speaker 1>personal choice, all right, you do what you gotta do.

0:30:10.600 --> 0:30:12.840
<v Speaker 1>But I canceled Amazon Prime.

0:30:13.280 --> 0:30:17.680
<v Speaker 2>Ooh, that is a big so strong well that's I mean?

0:30:17.720 --> 0:30:20.400
<v Speaker 2>And has that warrior is there? Like, oh, you are

0:30:20.440 --> 0:30:21.360
<v Speaker 2>the strongest person I know.

0:30:21.600 --> 0:30:24.280
<v Speaker 1>I will say I was grateful for the fact that

0:30:24.800 --> 0:30:27.360
<v Speaker 1>I canceled it, but it didn't officially. I still had

0:30:27.360 --> 0:30:30.800
<v Speaker 1>a few couple of weeks left in my Prime because then,

0:30:30.840 --> 0:30:32.840
<v Speaker 1>of course Chris told me that I needed one little

0:30:32.920 --> 0:30:35.840
<v Speaker 1>dongle for my computer. So that things could work better.

0:30:36.560 --> 0:30:38.000
<v Speaker 1>And oh my god, damn, I don't want to go

0:30:38.080 --> 0:30:41.320
<v Speaker 1>to Best Buy. They don't have the right dongle, and

0:30:41.400 --> 0:30:43.520
<v Speaker 1>so I quickly ordered it. But that was the last time.

0:30:44.320 --> 0:30:49.880
<v Speaker 1>And it's causing me to slow down. And if I

0:30:49.920 --> 0:30:54.600
<v Speaker 1>could give anyone listening some personal finance advice now, I

0:30:54.640 --> 0:30:56.720
<v Speaker 1>know that we could talk about all these different the

0:30:56.760 --> 0:31:00.400
<v Speaker 1>fifty thirty twenty and the pay yourself first. There's all

0:31:00.400 --> 0:31:04.600
<v Speaker 1>these like different strategies to to budget and to save more,

0:31:04.600 --> 0:31:10.240
<v Speaker 1>but also slow the earth down. Whatever you can to

0:31:10.280 --> 0:31:14.760
<v Speaker 1>slow yourself down. It's gonna be painful because it's causing

0:31:14.760 --> 0:31:19.480
<v Speaker 1>your own self inconvenience and the world is so not

0:31:19.640 --> 0:31:22.000
<v Speaker 1>set up for us to be inconvenienced right now. It

0:31:22.080 --> 0:31:24.560
<v Speaker 1>is out of style.

0:31:25.160 --> 0:31:29.160
<v Speaker 2>Yeah, that's exactly it. It's like when I ask myself

0:31:29.200 --> 0:31:30.640
<v Speaker 2>to slow down in those ways, I'm just like, yeah,

0:31:30.680 --> 0:31:32.400
<v Speaker 2>you're when we're not going to Target and we're not

0:31:32.520 --> 0:31:35.920
<v Speaker 2>ordering off of Amazon Prime? What am I? What's really hurting?

0:31:36.120 --> 0:31:39.520
<v Speaker 2>I'm just annoyed. It's just inconvenience. It's not real pain,

0:31:39.800 --> 0:31:44.000
<v Speaker 2>it's not actual struggle. It's it's the first world part

0:31:44.000 --> 0:31:46.080
<v Speaker 2>of me that's like. But I'm gonna get it in

0:31:46.280 --> 0:31:49.200
<v Speaker 2>five to seven business days. Two men.

0:31:49.320 --> 0:31:50.240
<v Speaker 1>I don't have to lug it.

0:31:50.680 --> 0:31:53.400
<v Speaker 2>Yeah, that's the part that I'm trying to exfoliate for myself.

0:31:53.400 --> 0:31:57.160
<v Speaker 2>I'm trying to I'm trying to mold that skin because

0:31:57.520 --> 0:32:01.360
<v Speaker 2>all of us had that from I mean around sure lockdown,

0:32:01.400 --> 0:32:03.080
<v Speaker 2>that happened. You know, we all got so you say

0:32:03.080 --> 0:32:04.880
<v Speaker 2>the convenience, but then from then non things just got

0:32:04.880 --> 0:32:07.520
<v Speaker 2>faster and more convenient. And in my mind, I'm like,

0:32:07.520 --> 0:32:10.200
<v Speaker 2>we got weaker and more snowflaky and more like but

0:32:10.320 --> 0:32:13.400
<v Speaker 2>I need it now, and I need the dungle in

0:32:13.520 --> 0:32:15.360
<v Speaker 2>ten minutes and it needs to be pink, you know,

0:32:15.440 --> 0:32:18.080
<v Speaker 2>like I'm trying to. I'm trying to shed that too.

0:32:19.360 --> 0:32:22.120
<v Speaker 1>It's the reflex like, oh something is lacking, Well I

0:32:22.120 --> 0:32:25.960
<v Speaker 1>can quickly fix this and look at me. But I've

0:32:26.120 --> 0:32:30.360
<v Speaker 1>and it has been. It's been harder than I not

0:32:30.440 --> 0:32:32.880
<v Speaker 1>that I guess I anticipated it would be hard. But

0:32:33.400 --> 0:32:36.080
<v Speaker 1>my own five year old he had a real obsession

0:32:36.080 --> 0:32:37.680
<v Speaker 1>with Target as well. He's like, I want to go

0:32:37.720 --> 0:32:39.960
<v Speaker 1>to Target. It was like going to six Flags for him.

0:32:40.640 --> 0:32:42.280
<v Speaker 1>You know, they have all the toys and a Da

0:32:42.360 --> 0:32:46.800
<v Speaker 1>da and I took him and he's five so I

0:32:46.800 --> 0:32:49.680
<v Speaker 1>didn't want to explain. I was like, should I explain?

0:32:49.720 --> 0:32:53.280
<v Speaker 1>Like boycotts and DEI and stuff. And the other day

0:32:53.280 --> 0:32:55.120
<v Speaker 1>he was begging me to go. He had fifty bucks

0:32:55.200 --> 0:32:58.520
<v Speaker 1>burning a hole in his little pocket from birthday money,

0:32:58.680 --> 0:33:01.640
<v Speaker 1>and he is like, I want to go a Target

0:33:01.840 --> 0:33:05.480
<v Speaker 1>is my money. I'm like, you're right, but listen, we're

0:33:05.480 --> 0:33:06.720
<v Speaker 1>not going to go to Target. We're going to go

0:33:06.800 --> 0:33:09.960
<v Speaker 1>to We went to Barnes and Noble. And the way

0:33:09.960 --> 0:33:13.280
<v Speaker 1>I googled the CEO of Barnes and Noble before, I

0:33:13.320 --> 0:33:16.320
<v Speaker 1>was like, y'all know, Barnes and Noble's like the good guys.

0:33:16.360 --> 0:33:19.800
<v Speaker 1>Now they're like the little shop around the corner. Oh

0:33:19.920 --> 0:33:24.040
<v Speaker 1>now Tom Hanks is now Meg Ryan. It's all flipped. Yes,

0:33:24.520 --> 0:33:29.440
<v Speaker 1>why because of Amazon? Because Amazon really killed the in

0:33:29.600 --> 0:33:33.360
<v Speaker 1>store book experience, bookstore experience, and so Barnes and Noble

0:33:33.400 --> 0:33:35.600
<v Speaker 1>had like all these store closures on everything. But if

0:33:35.640 --> 0:33:37.760
<v Speaker 1>you go into your local Barnes and Noble, now it

0:33:37.800 --> 0:33:41.120
<v Speaker 1>feels like a local neighborhood bookstore because they've got this

0:33:41.160 --> 0:33:44.440
<v Speaker 1>new CEO who came in. He founded this big chain,

0:33:45.000 --> 0:33:48.040
<v Speaker 1>the Waters or Waters and something in the UK. He's

0:33:48.040 --> 0:33:50.840
<v Speaker 1>a British guy, so he founded this, like you know,

0:33:51.040 --> 0:33:54.120
<v Speaker 1>smallish regional bookstore chain in the UK. So now he's

0:33:54.120 --> 0:33:57.400
<v Speaker 1>overseeing Barnes and Noble and they've brought that same like

0:33:57.680 --> 0:34:01.080
<v Speaker 1>pathos to the way that they managed. So they're letting

0:34:01.120 --> 0:34:04.160
<v Speaker 1>the local teams at Barnes and Noble make it feel

0:34:04.640 --> 0:34:08.640
<v Speaker 1>make it like, make a more of a community anyway. Okay,

0:34:08.640 --> 0:34:11.920
<v Speaker 1>I'll say, so Hella toys, so target loophole.

0:34:13.080 --> 0:34:15.760
<v Speaker 2>It also feels like an astronomic throwback like I would

0:34:15.760 --> 0:34:18.759
<v Speaker 2>spend as a humongous book nerd as a kid, I

0:34:18.760 --> 0:34:21.239
<v Speaker 2>would spend hours at Barnes and Noble, like that's where

0:34:21.239 --> 0:34:23.640
<v Speaker 2>I would want. I know kids now who like exactly

0:34:23.640 --> 0:34:25.840
<v Speaker 2>like you said, Target is their Disneyland. Barnes and Noble

0:34:25.960 --> 0:34:28.720
<v Speaker 2>was my Disneyland, and that is what we were losing,

0:34:28.760 --> 0:34:30.640
<v Speaker 2>I feel like when we saw the Barnes and Noble closure.

0:34:30.680 --> 0:34:32.080
<v Speaker 2>So it's great to hear that, Like I could go

0:34:32.160 --> 0:34:35.320
<v Speaker 2>back and be my like seven really nice now.

0:34:36.239 --> 0:34:38.000
<v Speaker 1>The teen section, I'll just go over there and pick

0:34:38.000 --> 0:34:41.319
<v Speaker 1>out books for my little nephews and stuff. But I've

0:34:41.320 --> 0:34:44.439
<v Speaker 1>been thinking, I know that I know that I said

0:34:44.440 --> 0:34:47.000
<v Speaker 1>when you talk about tariffs, and I know that you

0:34:47.080 --> 0:34:53.239
<v Speaker 1>guys have PhDs and economics. So I can't wait to hear.

0:34:53.960 --> 0:34:57.320
<v Speaker 1>But I do want to bring it up only because

0:34:57.480 --> 0:34:59.880
<v Speaker 1>it is going to start hurting consumers, you know, like

0:35:00.480 --> 0:35:03.680
<v Speaker 1>things are going to get What's was that, Chris?

0:35:03.880 --> 0:35:05.000
<v Speaker 3>Is it? You're already starting to see it?

0:35:05.360 --> 0:35:07.080
<v Speaker 1>Where are you seeing it? So?

0:35:07.440 --> 0:35:09.120
<v Speaker 3>I've been seeing it, especially with electronics.

0:35:09.120 --> 0:35:11.640
<v Speaker 4>There's things that I bought last year that I went

0:35:11.640 --> 0:35:13.879
<v Speaker 4>and looked on, Like I went on Amazon and looked

0:35:13.880 --> 0:35:15.120
<v Speaker 4>I want to see what the price was. That's what

0:35:15.200 --> 0:35:17.200
<v Speaker 4>I received was I bought it over there, And it's

0:35:17.200 --> 0:35:20.319
<v Speaker 4>some things are significantly more expensive, like one hundred bucks

0:35:20.360 --> 0:35:22.120
<v Speaker 4>more than what I've paid for last year.

0:35:22.200 --> 0:35:24.080
<v Speaker 2>What are we talking about? Like is it like a phone?

0:35:24.280 --> 0:35:26.120
<v Speaker 3>Is it like this was my little camera?

0:35:26.160 --> 0:35:29.360
<v Speaker 4>The when I was talked about this little Dji pocket camera,

0:35:29.840 --> 0:35:31.799
<v Speaker 4>it is. I think I got it for like like

0:35:31.840 --> 0:35:34.000
<v Speaker 4>a little over five hundred. It's like almost I think

0:35:34.040 --> 0:35:36.600
<v Speaker 4>it's like in the mid seven hundreds. Now for that poem,

0:35:36.880 --> 0:35:39.040
<v Speaker 4>it's some things are already going up. I saw the

0:35:39.040 --> 0:35:41.720
<v Speaker 4>whole Nintendo announced their new console and now they're delaying

0:35:41.760 --> 0:35:43.640
<v Speaker 4>it because of the tariffs. Like, hey, well we were

0:35:43.680 --> 0:35:45.279
<v Speaker 4>on lench of pre order, but now we don't know

0:35:45.280 --> 0:35:46.799
<v Speaker 4>what prices are going to be, as we're just gonna

0:35:46.800 --> 0:35:47.799
<v Speaker 4>hold off on this for now.

0:35:48.040 --> 0:35:48.400
<v Speaker 3>Wow.

0:35:48.680 --> 0:35:50.200
<v Speaker 4>So yea, you're already starting to see it's I think

0:35:50.239 --> 0:35:52.160
<v Speaker 4>electronics maybe hits a little bit quicker. I'm not sure,

0:35:52.200 --> 0:35:54.880
<v Speaker 4>but you are starting to see it a little bit already.

0:35:55.320 --> 0:35:58.640
<v Speaker 1>Well, I asked my pal perplexity the A. I bought

0:36:00.320 --> 0:36:03.279
<v Speaker 1>the Deep Research function. I loves it so some of

0:36:03.320 --> 0:36:05.560
<v Speaker 1>the things that it was telling me to watch out for,

0:36:05.800 --> 0:36:08.200
<v Speaker 1>telling us to watch out for, as car prices because

0:36:08.280 --> 0:36:11.120
<v Speaker 1>sales have increased because everyone's trying to buy a car

0:36:11.360 --> 0:36:13.560
<v Speaker 1>because we get so much car, so many cars, and

0:36:13.600 --> 0:36:16.359
<v Speaker 1>the parts of cars from other countries. I guess, so

0:36:17.480 --> 0:36:19.960
<v Speaker 1>people are trying to buy what's there now. My mom

0:36:20.080 --> 0:36:23.680
<v Speaker 1>and my stepdad were one of these people, this couple,

0:36:23.719 --> 0:36:27.000
<v Speaker 1>they went to their dealership and they felt the pressure

0:36:27.120 --> 0:36:29.840
<v Speaker 1>to like buy by and inventory is going getting lower

0:36:30.680 --> 0:36:33.479
<v Speaker 1>because yeah, people are trying to rush to buy them.

0:36:34.360 --> 0:36:37.400
<v Speaker 1>So that's created higher prices. There's some I mean, I

0:36:37.400 --> 0:36:40.760
<v Speaker 1>think grocery prices have became such a big issue during

0:36:40.800 --> 0:36:44.520
<v Speaker 1>the election, especially eggs. We know that, but like unless

0:36:44.560 --> 0:36:48.320
<v Speaker 1>it's imported, So I think like produce and imported goods

0:36:48.360 --> 0:36:50.960
<v Speaker 1>from these countries like Asia, Sorry, I know Asia is

0:36:51.000 --> 0:36:54.880
<v Speaker 1>not a country, but Japan, China, tie in, Vietnam, Cambodia.

0:36:54.920 --> 0:36:57.279
<v Speaker 1>Like if you're getting any goods from there, I mean,

0:36:57.520 --> 0:36:59.839
<v Speaker 1>I wonder what h Mart's going to be, like, Oh

0:37:00.120 --> 0:37:03.239
<v Speaker 1>do you love to We love our h Marts, Keep

0:37:03.239 --> 0:37:08.120
<v Speaker 1>a lookout for that. Let me see one of the tariffs. Okay,

0:37:08.120 --> 0:37:12.160
<v Speaker 1>the ten percent the baseline tariff. And just to remind y'all,

0:37:12.200 --> 0:37:16.120
<v Speaker 1>tariffs are something that that consumers end up paying the

0:37:16.120 --> 0:37:19.120
<v Speaker 1>brunt of because like say that you're what's the name

0:37:19.160 --> 0:37:23.080
<v Speaker 1>of a company that uses any company Apple, So your Apple,

0:37:23.160 --> 0:37:25.600
<v Speaker 1>and you get your gizmos and gadgets to make your

0:37:25.640 --> 0:37:32.080
<v Speaker 1>iPhone from from China, and now with these tariffs you'll

0:37:32.120 --> 0:37:34.239
<v Speaker 1>be paying I mean, like, this is just a number

0:37:34.280 --> 0:37:35.919
<v Speaker 1>I'm throwing out there. I don't think the tariff's probably

0:37:36.000 --> 0:37:38.560
<v Speaker 1>much higher. But if there's a ten percent tariff on

0:37:38.560 --> 0:37:40.719
<v Speaker 1>those gizmos and gadgets for you to bring them into

0:37:40.760 --> 0:37:45.160
<v Speaker 1>America to put together for our iPhones, then you, the company,

0:37:45.200 --> 0:37:47.640
<v Speaker 1>are going to be paying that ten percent, and so

0:37:47.719 --> 0:37:49.520
<v Speaker 1>it's going to make you less likely to want to

0:37:49.520 --> 0:37:52.560
<v Speaker 1>buy your gizmos and gadgets from that country. That's like

0:37:53.480 --> 0:37:57.600
<v Speaker 1>my you know, tariffs for dummies explanation of like how

0:37:57.640 --> 0:38:00.680
<v Speaker 1>they kind of work. But that's why the cost is

0:38:00.719 --> 0:38:04.080
<v Speaker 1>going to get passed on to us. All right, so

0:38:04.680 --> 0:38:08.480
<v Speaker 1>home crisis could also rise, I mean, like another reason

0:38:08.719 --> 0:38:13.520
<v Speaker 1>why home ownership is so hard in this country, and

0:38:13.600 --> 0:38:18.520
<v Speaker 1>like the recession, the existential crisis of an economic recession.

0:38:19.000 --> 0:38:21.680
<v Speaker 1>This is all real. This is all and I don't

0:38:21.719 --> 0:38:24.120
<v Speaker 1>want to downplay it. I don't want to. I do

0:38:24.200 --> 0:38:25.840
<v Speaker 1>try to be optimistic, but I don't want to be

0:38:25.880 --> 0:38:30.919
<v Speaker 1>toxic optimism where we ignore the realities. And with that,

0:38:31.080 --> 0:38:35.400
<v Speaker 1>because we are in our we are in our stage

0:38:35.600 --> 0:38:38.799
<v Speaker 1>middle thirties years together, I think, right, I don't know

0:38:39.400 --> 0:38:43.080
<v Speaker 1>burn as a young thing, but we have We've had

0:38:43.080 --> 0:38:49.440
<v Speaker 1>the pleasure of experiencing some things, recessions, pandemic, economic downturns.

0:38:49.480 --> 0:38:53.719
<v Speaker 1>We have been their housing crisis, student alone crisis. So

0:38:54.080 --> 0:38:56.000
<v Speaker 1>I want to take a moment just to think about,

0:38:56.000 --> 0:38:58.000
<v Speaker 1>like we've been here before, we will be here again

0:38:58.080 --> 0:39:02.080
<v Speaker 1>because things have cycles. But like if you could, you know,

0:39:02.440 --> 0:39:06.279
<v Speaker 1>think about people who are listening BA fam who are

0:39:06.320 --> 0:39:08.560
<v Speaker 1>wondering I'm seeing all this news. I know it's a

0:39:08.600 --> 0:39:10.600
<v Speaker 1>huge effing deal but like, what am I supposed to

0:39:10.640 --> 0:39:14.160
<v Speaker 1>do with my pocketbook to be different? And do I

0:39:14.200 --> 0:39:17.440
<v Speaker 1>need to be messing with my investments? That always comes up,

0:39:18.120 --> 0:39:20.440
<v Speaker 1>you know, people trying to sell get out of the

0:39:20.440 --> 0:39:24.400
<v Speaker 1>market whatever. What do you guys say to that? And

0:39:24.440 --> 0:39:26.439
<v Speaker 1>what would you say to someone who's a little worried now?

0:39:28.280 --> 0:39:30.880
<v Speaker 2>Well, actually, I don't know if I'd give advice, just

0:39:30.880 --> 0:39:32.640
<v Speaker 2>sad it s. I have a question. I was telling

0:39:32.920 --> 0:39:34.719
<v Speaker 2>the group before we started recording. I was like, I

0:39:34.719 --> 0:39:36.200
<v Speaker 2>have had my head in the sound a little bit

0:39:36.200 --> 0:39:39.520
<v Speaker 2>about tariffs because I've been moving, moving and.

0:39:39.480 --> 0:39:41.520
<v Speaker 1>Also potentially starting a new job.

0:39:41.560 --> 0:39:43.920
<v Speaker 2>We can talk about that later, but it's been like

0:39:44.000 --> 0:39:48.800
<v Speaker 2>a massive life change. Okay, on top of that, thinking

0:39:48.800 --> 0:39:51.640
<v Speaker 2>a lot about you know, when you're moving and you're

0:39:51.680 --> 0:39:54.040
<v Speaker 2>buying new things, I'm feeling that. I feel like I'm

0:39:54.040 --> 0:39:56.920
<v Speaker 2>feeling the tariffs and like looking at the big expenses

0:39:56.920 --> 0:40:00.880
<v Speaker 2>that we want to buy in the future, but our tariffs,

0:40:00.880 --> 0:40:04.000
<v Speaker 2>Like do tariffs affect when you're buying secondhand things? Like

0:40:04.040 --> 0:40:08.720
<v Speaker 2>if if it's affecting car purchases, are used cars affected

0:40:08.719 --> 0:40:12.720
<v Speaker 2>as well? If it's affecting electronics, our second electronics affected

0:40:12.719 --> 0:40:13.920
<v Speaker 2>as well. I genuinely don't know.

0:40:15.600 --> 0:40:18.480
<v Speaker 4>No, I would say that it doesn't affect them directly,

0:40:18.560 --> 0:40:20.560
<v Speaker 4>but it's like an indirect effect, right, Yeah. And then

0:40:20.600 --> 0:40:24.080
<v Speaker 4>we saw this during the pandemic right where used car

0:40:24.120 --> 0:40:27.560
<v Speaker 4>prices started spiking like crazy because people couldn't get new cars.

0:40:27.560 --> 0:40:30.239
<v Speaker 4>So if the new car availability drop, people moved to use.

0:40:30.320 --> 0:40:32.480
<v Speaker 4>If stuff gets more expensive, people will just buy the

0:40:32.600 --> 0:40:33.160
<v Speaker 4>use items.

0:40:33.480 --> 0:40:35.359
<v Speaker 1>And that's kind of how you raised money on our

0:40:35.520 --> 0:40:40.080
<v Speaker 1>used like Mazda CX five in twenty twenty one, we

0:40:40.120 --> 0:40:42.040
<v Speaker 1>made like three grand on that thing that's not supposed

0:40:42.040 --> 0:40:46.720
<v Speaker 1>to happen, No, no, because used cars were in such demand. Yeah, yeah,

0:40:46.760 --> 0:40:47.400
<v Speaker 1>so much higher.

0:40:47.440 --> 0:40:48.719
<v Speaker 3>And even like thrift stores, if you know, it's like

0:40:48.719 --> 0:40:50.640
<v Speaker 3>over the past, like what five ten years, thrift stores,

0:40:50.680 --> 0:40:52.640
<v Speaker 3>we've gotten so much more expensive for the stuff they

0:40:52.680 --> 0:40:54.840
<v Speaker 3>sell in them, just because people are like, hey, I

0:40:54.960 --> 0:40:56.480
<v Speaker 3>like going to thrift stores and I could save money,

0:40:56.480 --> 0:40:58.640
<v Speaker 3>and it just kind of drives up prices, so it

0:40:58.680 --> 0:41:00.520
<v Speaker 3>could I think it could trick down and it's our

0:41:00.560 --> 0:41:01.839
<v Speaker 3>effect and they use market too.

0:41:02.200 --> 0:41:04.200
<v Speaker 2>Okay, that makes a lot of sense, But I figured,

0:41:04.239 --> 0:41:05.680
<v Speaker 2>but I wasn't sure if there was any kind of

0:41:05.719 --> 0:41:09.160
<v Speaker 2>like other thought about that, because I'm I these are

0:41:09.200 --> 0:41:11.480
<v Speaker 2>moments where I'm at least a little bit proud that

0:41:11.680 --> 0:41:14.279
<v Speaker 2>I'm really not a stuff girly. I don't like buying

0:41:14.280 --> 0:41:17.280
<v Speaker 2>anything new. This is where the first gen child immigrant

0:41:17.280 --> 0:41:19.719
<v Speaker 2>thing comes all the way out where I'm like and

0:41:19.800 --> 0:41:22.239
<v Speaker 2>now living with my partner who is like, he's also

0:41:22.280 --> 0:41:23.920
<v Speaker 2>first gen, but he's on the opposite side of the

0:41:23.920 --> 0:41:26.240
<v Speaker 2>spectrum where he likes new things and he likes nice things.

0:41:26.680 --> 0:41:28.759
<v Speaker 2>I'm the frugal betty in the relationship. I'm like, why

0:41:28.760 --> 0:41:32.520
<v Speaker 2>would we buy that new? I'm on things like Swapa

0:41:32.719 --> 0:41:37.280
<v Speaker 2>and back market like used electronics, secondhand all that stuff,

0:41:37.320 --> 0:41:39.440
<v Speaker 2>And I think for me, downshifting into that is not

0:41:39.480 --> 0:41:42.840
<v Speaker 2>too difficult. These are moments where I'd be like, well, hello,

0:41:42.920 --> 0:41:47.160
<v Speaker 2>buy nothing group on Facebook. Hello, like community swapping, Hello,

0:41:48.160 --> 0:41:50.759
<v Speaker 2>you know, connecting to a lot of coworking spaces in

0:41:50.800 --> 0:41:53.040
<v Speaker 2>the Bay Area and they do things like clothing swaps

0:41:53.480 --> 0:41:55.839
<v Speaker 2>and like meal prep circles, things like that. I think

0:41:55.840 --> 0:41:59.280
<v Speaker 2>these are moments where I almost get a little not excited,

0:41:59.280 --> 0:42:02.800
<v Speaker 2>but just like it's time to like shift into community

0:42:02.840 --> 0:42:06.200
<v Speaker 2>most shine, it's time to it's time to just live

0:42:06.640 --> 0:42:07.880
<v Speaker 2>in the world that I always want to live in,

0:42:07.920 --> 0:42:10.680
<v Speaker 2>where I'm just pretending everything is like summer camp and

0:42:10.880 --> 0:42:14.239
<v Speaker 2>we all exchange resources is a more bartering, there's more

0:42:14.239 --> 0:42:17.719
<v Speaker 2>work exchange, there's more kind of community level things like that.

0:42:17.840 --> 0:42:19.200
<v Speaker 2>So that's where my When I.

0:42:19.120 --> 0:42:21.600
<v Speaker 1>Bring a potato and it carrot to your door, you're

0:42:21.600 --> 0:42:23.279
<v Speaker 1>telling me that you want to put that together with

0:42:23.320 --> 0:42:24.840
<v Speaker 1>some stew I.

0:42:24.960 --> 0:42:27.960
<v Speaker 2>Brand you what I what I have of photocaki from

0:42:28.120 --> 0:42:31.560
<v Speaker 2>h Mart, which hopefully they still have some. I'll hand

0:42:31.600 --> 0:42:34.880
<v Speaker 2>you at brown rice and whatever eggs I have left.

0:42:34.920 --> 0:42:35.840
<v Speaker 1>Like that beautiful?

0:42:35.880 --> 0:42:38.120
<v Speaker 2>Actually it is, And I, like you said, I don't

0:42:38.120 --> 0:42:40.200
<v Speaker 2>want to lean into like a toxic positivity place.

0:42:40.239 --> 0:42:40.520
<v Speaker 1>I don't.

0:42:40.560 --> 0:42:41.880
<v Speaker 2>I'm not going to pretend that we're all going to

0:42:41.920 --> 0:42:46.960
<v Speaker 2>switch from you know, mainlining Amazon Prime to like M

0:42:47.040 --> 0:42:49.759
<v Speaker 2>but y'ah, now we're all meal prepping with our next

0:42:49.760 --> 0:42:52.600
<v Speaker 2>door neighbors. But that's where I'm kind of I'm starting

0:42:52.640 --> 0:42:55.879
<v Speaker 2>to turn my bus in that direction of like, all right,

0:42:56.280 --> 0:42:58.680
<v Speaker 2>when things are hard, I turn to community. That's sort

0:42:58.680 --> 0:43:02.239
<v Speaker 2>of always my line, and economically financially, that's what it

0:43:02.239 --> 0:43:05.240
<v Speaker 2>looks like for me. More swapping, more secondhand, we're giving

0:43:05.280 --> 0:43:09.040
<v Speaker 2>for free more like even moving out, I gave so

0:43:09.120 --> 0:43:11.000
<v Speaker 2>much stuff away through my buy nothing group, and it

0:43:11.120 --> 0:43:13.200
<v Speaker 2>was so fun because I actually got to know a

0:43:13.200 --> 0:43:15.600
<v Speaker 2>bunch of neighbors and I'm like, my bed frame went

0:43:15.640 --> 0:43:18.160
<v Speaker 2>to this person. We talked about why, and this person's

0:43:18.200 --> 0:43:20.279
<v Speaker 2>taking my mattress because their niece is moving in to

0:43:20.320 --> 0:43:22.040
<v Speaker 2>the neighborhood and all that. So it became this like

0:43:22.080 --> 0:43:25.400
<v Speaker 2>really beautiful generative moment. And some of the stuff I

0:43:25.440 --> 0:43:27.240
<v Speaker 2>was giving away, I was like, this was a buy nothing,

0:43:27.960 --> 0:43:30.200
<v Speaker 2>like not purchased, a buy nothing acquisition for me, and

0:43:30.239 --> 0:43:32.799
<v Speaker 2>I'm gifting it back to the community. So people, now

0:43:32.840 --> 0:43:35.520
<v Speaker 2>my toaster rubbin is like fifth generation buy nothing and

0:43:35.560 --> 0:43:38.040
<v Speaker 2>it is somewhere in the original San Francisco living a

0:43:38.080 --> 0:43:41.440
<v Speaker 2>fifth life. I hear the traveling Toaster of Traveling Toaster

0:43:41.480 --> 0:43:43.680
<v Speaker 2>rebin is what my life, which is funny because I'm

0:43:43.719 --> 0:43:45.600
<v Speaker 2>so obsessed with Sister to the Traveling Pants.

0:43:45.800 --> 0:43:49.000
<v Speaker 1>But you are go and get into that later.

0:43:49.680 --> 0:43:53.799
<v Speaker 2>Okay, oh trash, but trash I eat up, like, like

0:43:54.960 --> 0:43:56.080
<v Speaker 2>which is second?

0:43:56.440 --> 0:43:56.680
<v Speaker 1>You know?

0:43:57.040 --> 0:44:00.880
<v Speaker 2>Uh huh. My answer is leaning into the topian Sister

0:44:00.920 --> 0:44:02.799
<v Speaker 2>to the Traveling Pants summer camp in my head as

0:44:02.920 --> 0:44:05.799
<v Speaker 2>much as I can while trying to stay aware of

0:44:05.880 --> 0:44:09.440
<v Speaker 2>the real facts and the effects of Tariff Center recession.

0:44:10.320 --> 0:44:13.839
<v Speaker 1>That's real for parents too, because like these kids, I know,

0:44:14.239 --> 0:44:17.120
<v Speaker 1>all of us got the same crap. You know, we

0:44:17.239 --> 0:44:21.840
<v Speaker 1>all got the same stuff. And I think my journey

0:44:22.120 --> 0:44:24.680
<v Speaker 1>of motherhood, I mean, I'm sad to say because these

0:44:24.719 --> 0:44:27.480
<v Speaker 1>hormones is strong, but like, I think I'm done and

0:44:27.520 --> 0:44:29.680
<v Speaker 1>I'm looking at this stuff and I'm like, am I

0:44:29.719 --> 0:44:31.840
<v Speaker 1>really gonna throw all these brand new crocs? Like no,

0:44:31.920 --> 0:44:35.000
<v Speaker 1>I'm gonna check out. There's this Once upon a Child

0:44:35.520 --> 0:44:40.840
<v Speaker 1>like secondhand gently used chain of for parents if you

0:44:40.840 --> 0:44:47.080
<v Speaker 1>want to give away like gear or toys, clothing, shoes,

0:44:48.280 --> 0:44:51.799
<v Speaker 1>all this stuff, all the accessories. My goodness. But yeah,

0:44:51.840 --> 0:44:55.319
<v Speaker 1>as the kids get older, I'm I could definitely I

0:44:55.400 --> 0:44:57.160
<v Speaker 1>have to start thinking that way. It doesn't have to

0:44:57.200 --> 0:44:59.239
<v Speaker 1>be brand new, especially if I'm going to align my

0:44:59.400 --> 0:45:02.560
<v Speaker 1>spending with my values and I don't want to teach

0:45:02.600 --> 0:45:05.799
<v Speaker 1>my kids to value stuff. I want to teach them

0:45:05.840 --> 0:45:08.800
<v Speaker 1>to value you know, this road trip to Atland and

0:45:08.840 --> 0:45:13.200
<v Speaker 1>we're a taking for spring break and you know, family

0:45:13.239 --> 0:45:16.520
<v Speaker 1>excursions and stuff. So that's that's a point well taken.

0:45:16.920 --> 0:45:19.879
<v Speaker 1>I love that too. The community aspect of it burna. Yeah,

0:45:20.200 --> 0:45:22.080
<v Speaker 1>I wish we were neighbors. That would be so fun.

0:45:22.640 --> 0:45:25.399
<v Speaker 2>I just moved into a new building where it's sort

0:45:25.400 --> 0:45:27.440
<v Speaker 2>of I feel like it's it's one of those like

0:45:27.520 --> 0:45:30.080
<v Speaker 2>high rises where people are like they don't really talk

0:45:30.120 --> 0:45:31.759
<v Speaker 2>to their community. They're talked to the neighbors. And I

0:45:31.800 --> 0:45:33.600
<v Speaker 2>was like, watch you want I'm back.

0:45:33.680 --> 0:45:35.920
<v Speaker 1>But see they all desperately want it though, and they're

0:45:35.960 --> 0:45:36.719
<v Speaker 1>gonna love you.

0:45:36.920 --> 0:45:38.800
<v Speaker 2>There is no one in the universe who doesn't actually

0:45:38.840 --> 0:45:40.560
<v Speaker 2>want community. And so I'm gonna come in here. I'm

0:45:40.560 --> 0:45:42.880
<v Speaker 2>gonna small talk everybody in the gym. So I'll talk

0:45:42.920 --> 0:45:43.400
<v Speaker 2>to everybody.

0:45:45.880 --> 0:45:48.360
<v Speaker 1>And as an introvert, are you introvert? You seem extroverts?

0:45:48.400 --> 0:45:48.839
<v Speaker 1>What are you?

0:45:49.160 --> 0:45:52.400
<v Speaker 2>I'm I think it's called ambiavert. I like, I can

0:45:52.480 --> 0:45:54.480
<v Speaker 2>do extrovert really well. But then then I need to

0:45:54.480 --> 0:45:55.520
<v Speaker 2>go into my Heidi hole.

0:45:55.800 --> 0:45:57.799
<v Speaker 1>Oh okay, then yeah I'm an ambrovert too. Yeah. So

0:45:58.239 --> 0:46:00.840
<v Speaker 1>but I've yeah, I've I've become that person on the

0:46:00.840 --> 0:46:05.160
<v Speaker 1>block who's like, I may have to, you know, disappear

0:46:05.200 --> 0:46:07.719
<v Speaker 1>for the week after this, but for this week, I'm

0:46:07.719 --> 0:46:08.960
<v Speaker 1>going to be all up in your face. Is going

0:46:08.960 --> 0:46:11.200
<v Speaker 1>to be best pals and like, you know, making these bonds,

0:46:11.560 --> 0:46:12.560
<v Speaker 1>supporting each other.

0:46:13.000 --> 0:46:15.719
<v Speaker 2>Yeah, I believe in that that's honestly, that's a part

0:46:15.719 --> 0:46:17.919
<v Speaker 2>of my vision too, of just like the next four

0:46:18.000 --> 0:46:21.080
<v Speaker 2>years or three years and nine months or whatever it is.

0:46:21.200 --> 0:46:23.560
<v Speaker 2>I'm just like the only thing I could really depend

0:46:23.640 --> 0:46:25.440
<v Speaker 2>on is community, the people I see and talk to

0:46:25.480 --> 0:46:28.359
<v Speaker 2>every day, and like the connections that we make. Even

0:46:28.360 --> 0:46:32.399
<v Speaker 2>in my most doomsday corners of my anxiety brain, I'm like, well,

0:46:32.800 --> 0:46:36.160
<v Speaker 2>if all goes to ish, I will only have the

0:46:36.160 --> 0:46:38.920
<v Speaker 2>physical people around me and the actual bonds in you know,

0:46:39.000 --> 0:46:41.680
<v Speaker 2>community that I've made. So it's good to invest in that.

0:46:42.440 --> 0:46:42.799
<v Speaker 3>I feel.

0:46:42.840 --> 0:46:44.960
<v Speaker 4>I feel the shame right now because when I'm that person, Bernd,

0:46:45.000 --> 0:46:46.319
<v Speaker 4>if I walk theme to a gym, I'm not saying

0:46:46.320 --> 0:46:47.440
<v Speaker 4>I had anybody.

0:46:47.719 --> 0:46:51.120
<v Speaker 3>I'm not making eye contact. I am going to myself such.

0:46:50.960 --> 0:46:54.920
<v Speaker 1>A you're such a softy, squishy, teddy bear person. Though

0:46:54.960 --> 0:46:55.880
<v Speaker 1>I don't understand.

0:46:56.520 --> 0:46:57.560
<v Speaker 3>I don't. It's just to me.

0:46:57.600 --> 0:47:00.640
<v Speaker 4>It's so I think I get too anxious, like handling,

0:47:00.680 --> 0:47:02.719
<v Speaker 4>like striking up a conversation with someone I don't know, oh,

0:47:03.440 --> 0:47:05.520
<v Speaker 4>because it's just like it feels uncomfortable, like are they

0:47:05.520 --> 0:47:06.160
<v Speaker 4>gonna be weird?

0:47:06.200 --> 0:47:08.080
<v Speaker 3>Are they? Am I gonna be weird? In this conversation?

0:47:09.239 --> 0:47:11.600
<v Speaker 1>Are we weird? I?

0:47:11.600 --> 0:47:14.560
<v Speaker 2>Would say as a community person, that doesn't mean all

0:47:14.600 --> 0:47:17.600
<v Speaker 2>your community interactions will be fantastic. Part of building community

0:47:17.640 --> 0:47:20.000
<v Speaker 2>is knowing people are going to pass you off more,

0:47:20.120 --> 0:47:22.480
<v Speaker 2>You're going to be more imitated. Yes, that's got to

0:47:22.480 --> 0:47:22.799
<v Speaker 2>deal with that.

0:47:23.000 --> 0:47:25.400
<v Speaker 1>My one neighbor who calls the town because the we

0:47:25.600 --> 0:47:28.560
<v Speaker 1>someone has broken the leaf blower ordinance and they have

0:47:28.719 --> 0:47:30.080
<v Speaker 1>blown a leaf after sick.

0:47:30.600 --> 0:47:34.839
<v Speaker 2>Yes, sometimes that's community. That's your person too.

0:47:35.280 --> 0:47:36.799
<v Speaker 3>See, it's such a gamble. You don't know what you're

0:47:36.800 --> 0:47:37.160
<v Speaker 3>gonna get.

0:47:37.200 --> 0:47:39.319
<v Speaker 4>But when I get into a conversation with someone who's nice,

0:47:39.360 --> 0:47:43.160
<v Speaker 4>I always enjoy it. But it's the roulette, the gamble

0:47:43.400 --> 0:47:46.080
<v Speaker 4>of walking up to somebody and not know how this

0:47:46.160 --> 0:47:46.680
<v Speaker 4>is going to go.

0:47:50.120 --> 0:47:54.399
<v Speaker 1>I mean, I hear something the SF so you know, well,

0:47:54.400 --> 0:47:58.640
<v Speaker 1>that's why I've gotten some extreme, extreme situations there that

0:47:58.680 --> 0:48:00.600
<v Speaker 1>may cause a lot of distrusts and people.

0:48:01.080 --> 0:48:03.080
<v Speaker 2>Oh yeah, yeah, yeah, yeah. I think that's part of

0:48:03.160 --> 0:48:06.240
<v Speaker 2>why community building for me is an extreme sport because

0:48:06.239 --> 0:48:08.560
<v Speaker 2>you get to you get the spectrum here and I'm

0:48:08.560 --> 0:48:11.120
<v Speaker 2>in Oakland now and you get the spectrum here, So

0:48:11.200 --> 0:48:14.120
<v Speaker 2>you always get practice, as to like Chris is saying,

0:48:14.320 --> 0:48:17.040
<v Speaker 2>you get practice on the roulette all the time, and

0:48:17.080 --> 0:48:19.000
<v Speaker 2>I think it's a good thing, but you know it's

0:48:19.200 --> 0:48:21.520
<v Speaker 2>hard on the nervous system, especially when you're actually introverted.

0:48:22.120 --> 0:48:22.560
<v Speaker 3>Yeah, I'm just.

0:48:22.520 --> 0:48:25.040
<v Speaker 4>Gonna follow Burner around. It's like like five feet away

0:48:25.040 --> 0:48:26.840
<v Speaker 4>and just like make see how the conversation goes. And

0:48:26.840 --> 0:48:28.520
<v Speaker 4>if it's going well, then I'll hop into it.

0:48:28.640 --> 0:48:31.839
<v Speaker 2>Oh my god. Or the opposite will happen, Mandy, where

0:48:31.840 --> 0:48:33.840
<v Speaker 2>we've been in a social situation and Chris does not

0:48:34.040 --> 0:48:36.600
<v Speaker 2>like the conversation that he's in and he calls me over,

0:48:37.400 --> 0:48:39.960
<v Speaker 2>He hold me over, did you like Berna? You know

0:48:40.040 --> 0:48:44.080
<v Speaker 2>this person was just talking about astrology? You like astrology?

0:48:44.160 --> 0:48:45.480
<v Speaker 2>And then he does a bait and switch.

0:48:46.200 --> 0:48:48.160
<v Speaker 1>Hold on, it's not the Homer Simpson into that.

0:48:48.640 --> 0:48:51.680
<v Speaker 4>I thought Burna was genuinely going to enjoy this conversation.

0:48:51.920 --> 0:48:53.160
<v Speaker 4>I didn't know what I was setting you up for.

0:48:53.200 --> 0:48:54.640
<v Speaker 4>I did I set you up for a forty five

0:48:54.640 --> 0:48:56.400
<v Speaker 4>minute conversation, And my apologies, I.

0:48:56.400 --> 0:48:58.000
<v Speaker 2>Have minutes and this is supposed to be a creed

0:48:58.080 --> 0:48:59.200
<v Speaker 2>like I was supposed to be able to do.

0:48:59.280 --> 0:49:01.319
<v Speaker 1>Hey, come on, we're older now, we need to know

0:49:01.360 --> 0:49:04.200
<v Speaker 1>how to debt a conversation. We'd have no interest in containing.

0:49:03.920 --> 0:49:06.400
<v Speaker 2>Right and I'm awful at that. Someone in the community

0:49:06.400 --> 0:49:08.040
<v Speaker 2>needs to teach me that.

0:49:08.080 --> 0:49:11.799
<v Speaker 1>You have to pee so bad? I do you know

0:49:11.880 --> 0:49:14.360
<v Speaker 1>at that time of the month. Yeah, I use that

0:49:14.360 --> 0:49:16.040
<v Speaker 1>one that will make them really for the dude, make

0:49:16.080 --> 0:49:16.840
<v Speaker 1>them uncomfortable.

0:49:17.680 --> 0:49:19.480
<v Speaker 2>Well, if it's sky, I just have to mention, you know,

0:49:19.680 --> 0:49:23.120
<v Speaker 2>anything my body does, it'll probably freak out. So that's good,

0:49:23.640 --> 0:49:24.600
<v Speaker 2>great ticket.

0:49:25.480 --> 0:49:28.400
<v Speaker 1>Bringing us back to the topic at hands rate, Yes,

0:49:28.760 --> 0:49:30.960
<v Speaker 1>I know I kind of imagine that. No, not terrorist,

0:49:31.000 --> 0:49:33.200
<v Speaker 1>but itding. I imagine that y'all's answers is probably gonna

0:49:33.200 --> 0:49:35.160
<v Speaker 1>be the same. But what are you doing with your

0:49:35.160 --> 0:49:37.799
<v Speaker 1>investments right now? It's the beginning of the year. How

0:49:37.840 --> 0:49:40.279
<v Speaker 1>are you guys lining up your investments for twenty twenty five.

0:49:40.640 --> 0:49:46.719
<v Speaker 1>I will be fully transparent. I did not invest I

0:49:46.800 --> 0:49:50.040
<v Speaker 1>might have invested a little bit in my solo for

0:49:50.239 --> 0:49:53.040
<v Speaker 1>one k in twenty twenty four, but I had it,

0:49:53.080 --> 0:49:56.120
<v Speaker 1>liked it. I did not. Oh. I was just lucky

0:49:56.200 --> 0:49:59.520
<v Speaker 1>to pay my childcare bill and my mortgage to twenty

0:49:59.560 --> 0:50:02.600
<v Speaker 1>more and we are grateful. I have a roof over

0:50:02.680 --> 0:50:06.359
<v Speaker 1>my head. But yeah, I'm hoping that's my only goal.

0:50:06.400 --> 0:50:09.200
<v Speaker 1>It's like to try to, you know, max out my

0:50:09.760 --> 0:50:13.280
<v Speaker 1>solo for one K and maybe a wroth.

0:50:14.600 --> 0:50:18.160
<v Speaker 2>Yeah, I feel the same. I had a very up

0:50:18.200 --> 0:50:20.600
<v Speaker 2>and down financial year in twenty twenty four, and so

0:50:20.840 --> 0:50:25.000
<v Speaker 2>it's it's all I can do to maintain minimums. Like

0:50:25.080 --> 0:50:27.479
<v Speaker 2>we're not we're not maxing out shizzle dazzle over here.

0:50:27.960 --> 0:50:30.000
<v Speaker 2>And it is part of why I was like, I

0:50:30.000 --> 0:50:34.680
<v Speaker 2>think it's time for me to take on more responsibilities,

0:50:34.800 --> 0:50:38.239
<v Speaker 2>look into jobs and things like that. But investing wise,

0:50:38.320 --> 0:50:39.680
<v Speaker 2>it's been real conservative over here.

0:50:39.719 --> 0:50:40.440
<v Speaker 3>It's been quiet.

0:50:40.760 --> 0:50:41.560
<v Speaker 1>It's been quiet.

0:50:43.600 --> 0:50:46.600
<v Speaker 3>Yeah, I'm just I'm not doing anything fancy because here's

0:50:46.600 --> 0:50:47.000
<v Speaker 3>the thing. I think.

0:50:47.040 --> 0:50:48.920
<v Speaker 4>It's like such a temptation to be like, you know what,

0:50:49.000 --> 0:50:50.880
<v Speaker 4>let me just get my money out of whatever I'm

0:50:50.880 --> 0:50:53.800
<v Speaker 4>invested in because it's looking crazy. Stock marker's going down

0:50:54.000 --> 0:50:57.040
<v Speaker 4>and normally I'm all like, look, this stock market keeps

0:50:57.040 --> 0:50:59.440
<v Speaker 4>going up and we have all these dips over history.

0:50:59.480 --> 0:51:01.520
<v Speaker 4>But then this is different, like what's going on right now?

0:51:01.560 --> 0:51:05.279
<v Speaker 4>This is not like normal the way get operated. It

0:51:05.320 --> 0:51:08.640
<v Speaker 4>feels different because it's so erratic. You have someone in

0:51:08.719 --> 0:51:12.800
<v Speaker 4>charge is making just crazy on a whim decisions, putting

0:51:12.840 --> 0:51:15.040
<v Speaker 4>tariffs on the islands where just ping Woods live. You

0:51:15.120 --> 0:51:19.600
<v Speaker 4>got like crazy stuff happening, and it feels a little different,

0:51:19.640 --> 0:51:22.919
<v Speaker 4>and I get I think, I think nervousness is justifiable.

0:51:23.920 --> 0:51:26.239
<v Speaker 4>But the thing is, there's no other solution, right, Like,

0:51:26.239 --> 0:51:27.400
<v Speaker 4>what are you gonna do? You know, take all your

0:51:27.400 --> 0:51:29.360
<v Speaker 4>money out, putting cash and then wait for the perfect

0:51:29.400 --> 0:51:30.920
<v Speaker 4>time to jump back in, because you don't know when

0:51:30.960 --> 0:51:33.560
<v Speaker 4>that's gonna be. And honestly, like if all of a

0:51:33.560 --> 0:51:36.000
<v Speaker 4>sudden the stock market just imploded it at all, just

0:51:36.440 --> 0:51:38.839
<v Speaker 4>crash and just everything economy failed, we had a lot

0:51:38.880 --> 0:51:41.640
<v Speaker 4>bigger problems than how you're investing for retirement. So to me,

0:51:41.640 --> 0:51:43.680
<v Speaker 4>I'm like, I'm just gonna keep doing what I'm doing,

0:51:44.280 --> 0:51:47.200
<v Speaker 4>even though it feels nerve wracking, even though it feels like,

0:51:47.360 --> 0:51:49.880
<v Speaker 4>oh what, what's gonna happen? There's a lot of uncertainty,

0:51:49.920 --> 0:51:53.680
<v Speaker 4>but it's still the best option that we have to

0:51:53.880 --> 0:51:56.239
<v Speaker 4>get towards retirement, and we don't know how things will

0:51:56.200 --> 0:51:59.000
<v Speaker 4>shake out. So I think it's it's a little more

0:51:59.080 --> 0:52:01.000
<v Speaker 4>risky to pull your money out and not know what

0:52:01.040 --> 0:52:03.279
<v Speaker 4>you're going to do and try to guess the best

0:52:03.280 --> 0:52:05.719
<v Speaker 4>time to come back in versus just sticking with it,

0:52:05.880 --> 0:52:08.360
<v Speaker 4>saying discipline and then you just see where things go.

0:52:08.440 --> 0:52:12.799
<v Speaker 1>From here, which you like is your mix of conservative

0:52:12.800 --> 0:52:17.719
<v Speaker 1>like stocks versus cash and low risk investments. Has that

0:52:17.840 --> 0:52:18.520
<v Speaker 1>changed at all?

0:52:19.520 --> 0:52:21.640
<v Speaker 4>I think I'm a little more focused on saving some

0:52:21.680 --> 0:52:23.480
<v Speaker 4>more cash, like just making sure I put more in

0:52:23.560 --> 0:52:24.479
<v Speaker 4>that emergency fund.

0:52:24.920 --> 0:52:27.279
<v Speaker 1>Yeah, that was kind of an investing choice, you know,

0:52:27.480 --> 0:52:30.600
<v Speaker 1>not putting as much into the market, but then saving.

0:52:30.640 --> 0:52:34.000
<v Speaker 1>I think that's smart, honestly. And a form of saving

0:52:34.120 --> 0:52:37.520
<v Speaker 1>for me is paying down debt or level or refinancing debt.

0:52:37.719 --> 0:52:39.560
<v Speaker 1>You know, I just did a balance transfer, y'all know,

0:52:39.640 --> 0:52:43.239
<v Speaker 1>ba fam, I've been very transparental about my credit card debt,

0:52:43.760 --> 0:52:47.640
<v Speaker 1>and one of the things that has served me well

0:52:47.719 --> 0:52:51.120
<v Speaker 1>is like balance transfers and taking advantage of those offers.

0:52:51.160 --> 0:52:53.319
<v Speaker 1>And you know, it's a little stressful trying to keep

0:52:53.360 --> 0:52:56.319
<v Speaker 1>tabs on, Like when does that introepr end? Oh god,

0:52:58.560 --> 0:53:01.759
<v Speaker 1>But that's the same thing that could jillionaires do. Literally,

0:53:02.239 --> 0:53:05.240
<v Speaker 1>ain't none of that really spending cash. They are leveraging debt,

0:53:05.480 --> 0:53:06.520
<v Speaker 1>low interest debt.

0:53:07.840 --> 0:53:10.759
<v Speaker 2>With you, Mandy, I definitely had a rough couple of

0:53:10.800 --> 0:53:13.640
<v Speaker 2>financial years and I had to do the balance transfer dance.

0:53:14.000 --> 0:53:16.879
<v Speaker 2>And the stupidest thing happened at the end of last

0:53:16.960 --> 0:53:19.560
<v Speaker 2>year where I was like sick balance transfer zero percent

0:53:19.600 --> 0:53:22.400
<v Speaker 2>APR eighteen months. Like what I'm going to do exactly

0:53:22.400 --> 0:53:25.160
<v Speaker 2>what you're talking about is making sure I'm patting my

0:53:25.280 --> 0:53:28.080
<v Speaker 2>emergency savings more and like really getting my debt all

0:53:28.120 --> 0:53:29.719
<v Speaker 2>the way down as much as I can before I

0:53:29.719 --> 0:53:32.560
<v Speaker 2>make any set of movements. And then I had not

0:53:32.600 --> 0:53:35.680
<v Speaker 2>set up the right notifications for this new card and

0:53:35.800 --> 0:53:38.800
<v Speaker 2>new bank, and I was one day late on my

0:53:38.880 --> 0:53:42.479
<v Speaker 2>payment and they were like, oh, sir, and no more,

0:53:42.719 --> 0:53:45.400
<v Speaker 2>no more zero percent APR for you, bye bye, and

0:53:45.600 --> 0:53:48.160
<v Speaker 2>here's twenty five percent. I had to I had to

0:53:48.160 --> 0:53:51.120
<v Speaker 2>do that thing where you call customer service over and

0:53:51.160 --> 0:53:54.880
<v Speaker 2>over until you get a nice person. Yes, and it worked,

0:53:55.120 --> 0:53:56.960
<v Speaker 2>but I had to call a couple of times before

0:53:57.040 --> 0:53:59.480
<v Speaker 2>I got a very kind person who was like, I

0:53:59.520 --> 0:54:01.640
<v Speaker 2>got you, I understand, we're going to reset it for you,

0:54:01.960 --> 0:54:03.680
<v Speaker 2>but put on autopay and I was like, I will

0:54:03.760 --> 0:54:05.080
<v Speaker 2>dip it.

0:54:05.160 --> 0:54:07.520
<v Speaker 1>That's right, because you do have those auto payments. Okay, yeah,

0:54:07.600 --> 0:54:08.279
<v Speaker 1>good point, good point.

0:54:08.320 --> 0:54:09.960
<v Speaker 2>Now I'm doing that because they didn't set up They

0:54:09.960 --> 0:54:11.600
<v Speaker 2>couldn't set up auto payment for the first month for

0:54:11.600 --> 0:54:13.160
<v Speaker 2>some reason because they were like, we don't trust you,

0:54:13.200 --> 0:54:15.120
<v Speaker 2>and that gave them good reason not to trust me.

0:54:15.600 --> 0:54:18.120
<v Speaker 2>So now I'm on auto payment. But I did have

0:54:18.200 --> 0:54:20.200
<v Speaker 2>to like really kind of eat shit.

0:54:20.120 --> 0:54:23.440
<v Speaker 1>For a second. Well, what's happening? Do you want to

0:54:23.480 --> 0:54:25.600
<v Speaker 1>share a little bit about I know, I think last

0:54:25.760 --> 0:54:28.400
<v Speaker 1>you and I would like sometimes swap dms and be like, girl,

0:54:28.600 --> 0:54:30.720
<v Speaker 1>you about to I'm about I'm on LinkedIn? You want LinkedIn?

0:54:30.760 --> 0:54:32.279
<v Speaker 1>We gonna we get in a nine to five hour

0:54:33.719 --> 0:54:37.320
<v Speaker 1>And yeah, so you have not been in a traditional

0:54:37.320 --> 0:54:39.560
<v Speaker 1>like nine to five jobs since twenty since the like

0:54:39.600 --> 0:54:42.560
<v Speaker 1>eight years ago, is that right, since you left Instagram? Yes,

0:54:42.680 --> 0:54:45.360
<v Speaker 1>and you've been building your brand and doing all the things.

0:54:45.680 --> 0:54:47.879
<v Speaker 1>Uh huh, And I have a similar about it. Yeah,

0:54:47.920 --> 0:54:48.239
<v Speaker 1>I've been.

0:54:48.480 --> 0:54:50.400
<v Speaker 2>This is something I've been thinking about and Chris knows this,

0:54:50.480 --> 0:54:52.279
<v Speaker 2>and I feel like to some degree we've all talked

0:54:52.280 --> 0:54:55.200
<v Speaker 2>about this the last couple of years of just like really,

0:54:55.239 --> 0:55:00.120
<v Speaker 2>it's it's more that I really missed. I miss emotional stability,

0:55:00.239 --> 0:55:03.319
<v Speaker 2>I miss routine and structure. I am a person with

0:55:03.360 --> 0:55:06.359
<v Speaker 2>ADHD and anxiety, and I'm only learning in the last

0:55:06.360 --> 0:55:09.160
<v Speaker 2>couple of years that that means entrepreneurship and solopreneurship is

0:55:09.600 --> 0:55:13.160
<v Speaker 2>hard mode when you're neurodeertmergent like really hard mode now

0:55:13.320 --> 0:55:15.319
<v Speaker 2>raw dog in it. Like we were just saying it

0:55:15.400 --> 0:55:17.719
<v Speaker 2>was just therapy, therapy and that's it. I was not

0:55:17.760 --> 0:55:20.560
<v Speaker 2>taking any kind of medications in or SSRIs. I barely

0:55:20.640 --> 0:55:24.680
<v Speaker 2>knew about what my brain was like in solopreneurship and

0:55:24.719 --> 0:55:27.359
<v Speaker 2>how that's then a lot harder and just the last

0:55:27.400 --> 0:55:29.319
<v Speaker 2>couple of years I've been creating, Like right, I can

0:55:29.400 --> 0:55:32.520
<v Speaker 2>continue to ride this out and like build some form

0:55:32.520 --> 0:55:35.320
<v Speaker 2>of financial stability for myself that we know that the

0:55:35.480 --> 0:55:38.239
<v Speaker 2>creator and influencer market has changed so much in the

0:55:38.320 --> 0:55:41.880
<v Speaker 2>last like two three years. So it's it's surfing, it's

0:55:41.920 --> 0:55:43.759
<v Speaker 2>always surfing, and I just decided I don't want to

0:55:43.800 --> 0:55:46.440
<v Speaker 2>surf anymore. I want to glide. I want to be

0:55:46.480 --> 0:55:50.120
<v Speaker 2>pulled along in a wagon, like like like a child

0:55:50.160 --> 0:55:51.040
<v Speaker 2>at a fun You want.

0:55:50.960 --> 0:55:52.160
<v Speaker 1>To be in the lazy river and one of those

0:55:52.160 --> 0:55:52.680
<v Speaker 1>on your tubes.

0:55:52.719 --> 0:55:54.160
<v Speaker 2>I want to be in a lazy river. I want

0:55:54.160 --> 0:55:55.719
<v Speaker 2>to be pulled in a wagon like a child at

0:55:55.719 --> 0:55:59.000
<v Speaker 2>at a county fair eating corn. I want someone else

0:55:59.040 --> 0:56:02.200
<v Speaker 2>to pay for my health benefits, like I was like,

0:56:02.280 --> 0:56:05.440
<v Speaker 2>I just want to I want that for a second,

0:56:05.520 --> 0:56:07.640
<v Speaker 2>Like I've done this ride. It's been a great ride,

0:56:07.640 --> 0:56:09.640
<v Speaker 2>and to be very clear. Money out alowed is not

0:56:09.640 --> 0:56:12.880
<v Speaker 2>going anywhere. Hayburn is not going anywhere. I'm gonna be.

0:56:13.400 --> 0:56:15.520
<v Speaker 2>I haven't decided yet whether I want to be super

0:56:15.520 --> 0:56:19.440
<v Speaker 2>public about where I'm going to work, and I full disclosure.

0:56:19.440 --> 0:56:21.560
<v Speaker 2>Haven't even started yet. My start date it's actually next week.

0:56:22.920 --> 0:56:25.480
<v Speaker 2>But I'm very excited about it. I could tell you

0:56:25.480 --> 0:56:30.200
<v Speaker 2>all about it offline. But I'm psyched because I get stability.

0:56:30.280 --> 0:56:32.359
<v Speaker 2>I get to work with a team, I get to

0:56:32.360 --> 0:56:34.800
<v Speaker 2>do it is in financial services, it's in money stuff.

0:56:35.560 --> 0:56:39.399
<v Speaker 2>I get to like build something with other people. That's

0:56:39.440 --> 0:56:43.520
<v Speaker 2>what I really was craving. I missed co workers, I missed,

0:56:43.880 --> 0:56:47.480
<v Speaker 2>you know, talking to someone else besides myself within three

0:56:47.480 --> 0:56:51.600
<v Speaker 2>to four days of so in my apartment. Yeah, I

0:56:51.680 --> 0:56:54.280
<v Speaker 2>just really want it. I'm like, it's it's this grind,

0:56:54.400 --> 0:56:59.080
<v Speaker 2>the solopreneurship grind has been an amazing adventure. And let's

0:56:59.120 --> 0:57:02.560
<v Speaker 2>get a different flavor here. Let's let's just shift to

0:57:02.600 --> 0:57:05.240
<v Speaker 2>some to have a new chapter. Let's have a new chapter,

0:57:05.440 --> 0:57:09.200
<v Speaker 2>and that chapter happens to absolutely include more financial stability,

0:57:10.160 --> 0:57:15.520
<v Speaker 2>just you know, beautiful wellness stipends and dental coverage that

0:57:15.520 --> 0:57:16.400
<v Speaker 2>that's not coming out.

0:57:16.320 --> 0:57:18.760
<v Speaker 1>My FSA on K match.

0:57:19.440 --> 0:57:26.400
<v Speaker 2>Oh yeah, actually, but I know that was that. But Andy,

0:57:26.960 --> 0:57:29.000
<v Speaker 2>you and I, yeah, we were definitely trading dms of

0:57:29.080 --> 0:57:32.520
<v Speaker 2>just like so blowing dust off the old resman.

0:57:32.800 --> 0:57:34.800
<v Speaker 1>You're both the best of both worlds in a way.

0:57:34.840 --> 0:57:36.640
<v Speaker 1>I mean, I know for a fact. I mean I

0:57:36.640 --> 0:57:38.680
<v Speaker 1>don't know exactly what you're doing, but I would imagine

0:57:38.680 --> 0:57:40.280
<v Speaker 1>that all the work that you've done the past eight

0:57:40.360 --> 0:57:43.120
<v Speaker 1>years has made you so qualified for the job that

0:57:43.160 --> 0:57:47.400
<v Speaker 1>you have now and so ready for it. And I

0:57:47.880 --> 0:57:51.600
<v Speaker 1>love that we are past this like influencer boom kind

0:57:51.600 --> 0:57:55.360
<v Speaker 1>of stage now where you're kind of seeing influencers, like

0:57:55.360 --> 0:57:59.479
<v Speaker 1>like educators, online educators and influencers sort of mature into

0:57:59.520 --> 0:58:02.960
<v Speaker 1>the next phase of like okay, so because that's so natural,

0:58:03.080 --> 0:58:05.800
<v Speaker 1>it's just part of our career. You know, we have

0:58:05.920 --> 0:58:08.520
<v Speaker 1>these like moments and then you think about, Okay, I

0:58:08.600 --> 0:58:10.840
<v Speaker 1>learned from this, and then now I'm going to go

0:58:10.840 --> 0:58:13.600
<v Speaker 1>into this you know, next stage differently, and then in

0:58:13.640 --> 0:58:16.120
<v Speaker 1>another eight years you might decide like, oh, I'm going

0:58:16.200 --> 0:58:18.080
<v Speaker 1>to go do hey burn a full time, or maybe

0:58:18.120 --> 0:58:21.000
<v Speaker 1>you'll go I don't know on the Blue Horizon jet

0:58:21.080 --> 0:58:23.439
<v Speaker 1>and make that your whole Is that a job? People

0:58:23.480 --> 0:58:25.600
<v Speaker 1>seem to have a job just doing that now you're

0:58:25.640 --> 0:58:29.320
<v Speaker 1>just a martian. That's really exciting.

0:58:29.920 --> 0:58:32.840
<v Speaker 2>Thank you, thank you. I'm really one major gift of

0:58:32.880 --> 0:58:35.320
<v Speaker 2>the many, many gifts that being an entrepreneur has taught

0:58:35.320 --> 0:58:38.280
<v Speaker 2>me is that these chapters can be whatever you want.

0:58:38.480 --> 0:58:41.160
<v Speaker 2>It can change, it can flow. There's no rules as

0:58:41.160 --> 0:58:43.160
<v Speaker 2>to you have to hold this down, this job down,

0:58:43.240 --> 0:58:44.919
<v Speaker 2>or you have to be an entrepreneur for your whole

0:58:44.960 --> 0:58:47.760
<v Speaker 2>life in order to like count Like, I don't need

0:58:47.800 --> 0:58:49.560
<v Speaker 2>to girl boss in any kind of specific way that

0:58:49.640 --> 0:58:53.320
<v Speaker 2>anyone tells me to. And it's it's whatever works for

0:58:53.360 --> 0:58:55.360
<v Speaker 2>the chapter in your life. And so it's just good.

0:58:55.840 --> 0:58:58.600
<v Speaker 1>It's very good. Can I ask how you got the opportunity?

0:58:58.680 --> 0:59:01.440
<v Speaker 1>Did you apply through a friend? Through networking?

0:59:01.480 --> 0:59:02.000
<v Speaker 3>What happened?

0:59:02.520 --> 0:59:06.120
<v Speaker 2>It is? I will say that I when people say

0:59:06.160 --> 0:59:07.920
<v Speaker 2>that the job market is one hundred percent who you know,

0:59:08.440 --> 0:59:12.040
<v Speaker 2>it's four hundred percent who you know? Like and I

0:59:12.080 --> 0:59:14.960
<v Speaker 2>want for the people in the back. Yes, it really,

0:59:15.040 --> 0:59:19.160
<v Speaker 2>I mean this is many I'm I'm talking to the preacher,

0:59:19.320 --> 0:59:22.200
<v Speaker 2>the goddess who you do be knowing this so much more?

0:59:22.240 --> 0:59:24.720
<v Speaker 2>But like I really felt that in the last few

0:59:24.760 --> 0:59:27.240
<v Speaker 2>months of like, Okay, this is a moment where you know,

0:59:27.280 --> 0:59:30.439
<v Speaker 2>I tend to try to downplay most of the time

0:59:30.520 --> 0:59:32.160
<v Speaker 2>what I do and what I've built, But I was like,

0:59:32.200 --> 0:59:33.760
<v Speaker 2>this is a moment where I'm going to reach all

0:59:33.800 --> 0:59:36.160
<v Speaker 2>the way into my networks and really talk about it

0:59:36.200 --> 0:59:40.640
<v Speaker 2>with like partners. I loved working with the mentors, and

0:59:40.760 --> 0:59:43.160
<v Speaker 2>that's that's how I got it, Like, that's it was

0:59:43.200 --> 0:59:45.000
<v Speaker 2>one hundred percent through someone who's like, I like your

0:59:45.000 --> 0:59:46.560
<v Speaker 2>work and I would like you to come work over here.

0:59:47.640 --> 0:59:49.760
<v Speaker 2>The job was not even listed, like it was not

0:59:50.040 --> 0:59:54.280
<v Speaker 2>it was not a thing find like and I I

0:59:54.360 --> 0:59:55.920
<v Speaker 2>really I was like, man, it's a good thing that

0:59:55.960 --> 0:59:58.800
<v Speaker 2>I can play extrovert because it was one hundred percent networking.

0:59:58.880 --> 1:00:01.360
<v Speaker 2>It was one hundred percent someone who watched my work

1:00:01.400 --> 1:00:03.040
<v Speaker 2>over the last few years and I kept in touch

1:00:03.080 --> 1:00:06.880
<v Speaker 2>with and and then it was another you like my

1:00:06.920 --> 1:00:11.000
<v Speaker 2>matho and with another five hundred percent timing, because that's

1:00:11.360 --> 1:00:14.320
<v Speaker 2>got you got that. I'm a word girl. I wrote

1:00:14.320 --> 1:00:16.000
<v Speaker 2>a book. I I don't do that.

1:00:17.360 --> 1:00:20.280
<v Speaker 1>He wrote a whole damn book, the whole book.

1:00:20.320 --> 1:00:23.520
<v Speaker 2>And what's wonderful too, is that I was able to

1:00:23.560 --> 1:00:26.240
<v Speaker 2>negotiate this job in a way that I could still

1:00:26.240 --> 1:00:29.320
<v Speaker 2>one hundred percent to hay burn and stuff, and that

1:00:29.520 --> 1:00:32.000
<v Speaker 2>is not to be touched. That is, you know, the

1:00:32.040 --> 1:00:35.280
<v Speaker 2>IP is totally mine. Still, it's totally separate. And my

1:00:35.320 --> 1:00:37.080
<v Speaker 2>new employer knows that I'm going to be doing hayburn

1:00:37.080 --> 1:00:38.720
<v Speaker 2>and stuff and they encourage it and they're down with

1:00:38.800 --> 1:00:40.960
<v Speaker 2>it and so exciting.

1:00:41.600 --> 1:00:42.360
<v Speaker 3>No, that's amazing.

1:00:42.360 --> 1:00:43.640
<v Speaker 4>I was so happy to hear the news that you

1:00:43.960 --> 1:00:45.840
<v Speaker 4>got in there because we were talking about this, like

1:00:46.040 --> 1:00:47.960
<v Speaker 4>it's lonely doing this thing.

1:00:47.840 --> 1:00:48.360
<v Speaker 3>On your own.

1:00:49.080 --> 1:00:53.920
<v Speaker 4>And I think also there's something about having coworkers in

1:00:53.960 --> 1:00:56.680
<v Speaker 4>that stability that I think gets lost, Like, look, there's

1:00:56.680 --> 1:00:58.240
<v Speaker 4>a lot of jobs that suck. I've had jobs that

1:00:58.280 --> 1:01:01.200
<v Speaker 4>I hate it with every adam in my body. I

1:01:01.240 --> 1:01:03.960
<v Speaker 4>would have done anything to leave that place. But when

1:01:03.960 --> 1:01:06.280
<v Speaker 4>you do have a job that at the very least

1:01:06.560 --> 1:01:08.440
<v Speaker 4>like this is cool, you don't have to love it.

1:01:08.800 --> 1:01:11.439
<v Speaker 4>This is stability that comes with that that I think

1:01:11.640 --> 1:01:14.360
<v Speaker 4>is so valuable and you don't really I don't think

1:01:14.400 --> 1:01:16.560
<v Speaker 4>I didn't appreciate it as much until I left and

1:01:16.600 --> 1:01:19.640
<v Speaker 4>started doing things on my own. How much I still do,

1:01:20.120 --> 1:01:22.640
<v Speaker 4>you know, miss that part of my working career because yeah,

1:01:22.760 --> 1:01:25.600
<v Speaker 4>it's nice knowing, hey, that Patriock's showing up in my

1:01:25.600 --> 1:01:27.040
<v Speaker 4>bank account every two weeks.

1:01:27.280 --> 1:01:28.000
<v Speaker 3>I would be good.

1:01:28.120 --> 1:01:30.440
<v Speaker 1>I could totally see you getting going back to like

1:01:30.480 --> 1:01:32.520
<v Speaker 1>a traditional nine to five. Chris.

1:01:33.840 --> 1:01:35.280
<v Speaker 4>You know I've thought about it, but you know, I

1:01:36.240 --> 1:01:37.760
<v Speaker 4>being able to wake up whenever I want you is

1:01:37.800 --> 1:01:40.600
<v Speaker 4>such a someone who was not a morning person. That's

1:01:40.600 --> 1:01:42.560
<v Speaker 4>the one thing, because trying to get to work at

1:01:42.600 --> 1:01:44.080
<v Speaker 4>seven thirty was killing me.

1:01:44.240 --> 1:01:44.840
<v Speaker 3>It was I.

1:01:45.960 --> 1:01:48.680
<v Speaker 1>Know how it jobs. Now, you just got the wrong one.

1:01:48.920 --> 1:01:49.640
<v Speaker 3>It was a wrong job.

1:01:49.640 --> 1:01:50.840
<v Speaker 1>For sure to get a better one.

1:01:52.040 --> 1:01:54.160
<v Speaker 2>I was gonna say, my new job is fully remote

1:01:54.160 --> 1:01:55.880
<v Speaker 2>that you will not hear from me at seven thirty

1:01:55.880 --> 1:01:58.440
<v Speaker 2>in the morning. That's crazy.

1:01:59.320 --> 1:02:01.200
<v Speaker 1>All right, Well, I want to take a quick break,

1:02:01.240 --> 1:02:03.080
<v Speaker 1>ba fam. Let's take a quick break to a little

1:02:03.120 --> 1:02:05.560
<v Speaker 1>woosaw and we'll be right back with more brown ambition.

1:02:06.160 --> 1:02:08.640
<v Speaker 1>We're going to come back and do brown Boost Brown Break,

1:02:09.600 --> 1:02:11.400
<v Speaker 1>and then Berna and Chris, I think we should take

1:02:11.400 --> 1:02:15.640
<v Speaker 1>a listener question just for funzies. Oh yeah, probably, okay, cool,

1:02:15.960 --> 1:02:22.840
<v Speaker 1>be right back via fam. Okay, ba Fam, we are

1:02:22.960 --> 1:02:24.919
<v Speaker 1>back and we're going to do brown Boost Brown Break.

1:02:25.000 --> 1:02:26.720
<v Speaker 1>So for those of you who are new, new here,

1:02:26.880 --> 1:02:29.760
<v Speaker 1>I'm manifesting like hundreds of thousands of new listeners now

1:02:29.760 --> 1:02:32.880
<v Speaker 1>that we're on iHeart. By the way, Hello, Brown Amission's

1:02:32.920 --> 1:02:33.760
<v Speaker 1>on iHeart now.

1:02:34.520 --> 1:02:37.600
<v Speaker 3>Congratulations please.

1:02:38.400 --> 1:02:41.160
<v Speaker 1>I was so not subtle about that reveal, but anyway,

1:02:41.320 --> 1:02:41.760
<v Speaker 1>very exciting.

1:02:42.280 --> 1:02:44.120
<v Speaker 3>I fin drigging that latte with a heart on it.

1:02:44.240 --> 1:02:45.400
<v Speaker 3>You're like, oh, what could this be?

1:02:46.280 --> 1:02:48.720
<v Speaker 1>Well, I'm just no, but I was at the I

1:02:48.760 --> 1:02:51.400
<v Speaker 1>was meeting up with my executive producer at iHeart and

1:02:51.440 --> 1:02:53.720
<v Speaker 1>we ordered a latte and they put a heart on it.

1:02:54.600 --> 1:02:56.560
<v Speaker 1>Not at iHeart, but across the street. So I'm just

1:02:56.600 --> 1:03:00.880
<v Speaker 1>saying it was serendipitous. All right, brun break. We're either

1:03:00.920 --> 1:03:02.960
<v Speaker 1>going to boost something that we are excited about, a

1:03:03.040 --> 1:03:05.920
<v Speaker 1>tip that we love, a money or a business or

1:03:06.000 --> 1:03:08.720
<v Speaker 1>career win, a personal win, something that we're excited about,

1:03:09.120 --> 1:03:11.320
<v Speaker 1>something we've read that we're loving. We see, whatever it

1:03:11.360 --> 1:03:13.240
<v Speaker 1>may be. I'm trying to give Chris some ideas so

1:03:13.240 --> 1:03:15.080
<v Speaker 1>that he cannot claim that he is not ready by

1:03:15.080 --> 1:03:19.000
<v Speaker 1>the time I finished the spiel, and the Brown Break

1:03:19.120 --> 1:03:21.040
<v Speaker 1>is going to be something that we are fed up with,

1:03:21.360 --> 1:03:24.400
<v Speaker 1>we could care to have less of in our lives,

1:03:25.200 --> 1:03:27.160
<v Speaker 1>something that's just we need to just get off our chest.

1:03:27.600 --> 1:03:31.800
<v Speaker 1>That is probably hella relatable. Okay, who wants to go

1:03:31.880 --> 1:03:34.520
<v Speaker 1>for Look at Berna's face. I'm smiling because you said,

1:03:34.560 --> 1:03:40.560
<v Speaker 1>Hella relatedt to my boost? Did he pay you your

1:03:41.000 --> 1:03:43.320
<v Speaker 1>what was it like a thousand bucks per use of

1:03:43.680 --> 1:03:44.479
<v Speaker 1>Hella mail?

1:03:44.520 --> 1:03:48.640
<v Speaker 2>Hell? Oh noy? Who's supposed to pay me?

1:03:50.920 --> 1:03:53.120
<v Speaker 3>You said, Hella, Mandy, you're on the hook for it?

1:03:53.560 --> 1:03:54.800
<v Speaker 1>Oh, I said it.

1:03:56.360 --> 1:03:58.040
<v Speaker 4>Don't you to send your feet over to me. Please

1:03:58.040 --> 1:04:00.640
<v Speaker 4>make the checks payable to Burnon and do that.

1:04:01.280 --> 1:04:07.720
<v Speaker 2>I owe you lawyers. Back down, not you said Hella.

1:04:07.760 --> 1:04:12.160
<v Speaker 2>And it relates very much to my brown boost, which

1:04:12.200 --> 1:04:13.920
<v Speaker 2>is I just want to boost the city of Oakland,

1:04:14.280 --> 1:04:18.080
<v Speaker 2>just in general. The town just recently moved to Oakland.

1:04:18.680 --> 1:04:25.800
<v Speaker 2>Don't confine me. I'm hiding, but the town what I love.

1:04:25.880 --> 1:04:27.240
<v Speaker 2>I mean, I've been to Oakland, a Ton. I grew

1:04:27.320 --> 1:04:29.120
<v Speaker 2>up in the Bay Area, born and raised here, so

1:04:29.160 --> 1:04:30.439
<v Speaker 2>I've been to Oakland, a Ton. This is my first

1:04:30.440 --> 1:04:33.240
<v Speaker 2>time being a resident, and I just want to shout

1:04:33.240 --> 1:04:35.600
<v Speaker 2>out the brownness of it all and the blackness of

1:04:35.640 --> 1:04:38.720
<v Speaker 2>it all like it is of if you've you've seen,

1:04:38.720 --> 1:04:39.640
<v Speaker 2>probably Chris.

1:04:39.600 --> 1:04:43.600
<v Speaker 1>It's been Atlanta of the Bay right Atlanta, Sancisland.

1:04:43.840 --> 1:04:45.720
<v Speaker 2>This is what I hear because you get out of

1:04:45.720 --> 1:04:48.440
<v Speaker 2>bart Or. You drive over the bridge and it is

1:04:48.480 --> 1:04:53.680
<v Speaker 2>like immediately viscerally browner and blacker, Like it's just like

1:04:53.840 --> 1:04:58.160
<v Speaker 2>black and brown people called like just so it's like Queens. Yes,

1:04:58.560 --> 1:05:00.720
<v Speaker 2>that's exactly what I said my party the other day.

1:05:00.720 --> 1:05:03.000
<v Speaker 2>I was like, Oakland feels like Queens. Where you walk

1:05:03.040 --> 1:05:05.720
<v Speaker 2>in and it's just booh. There's the culture, there's the

1:05:05.720 --> 1:05:08.840
<v Speaker 2>black and brown people, there's the different languages, there's the

1:05:08.880 --> 1:05:11.720
<v Speaker 2>different like the there's the good style, there's the I've

1:05:11.760 --> 1:05:15.560
<v Speaker 2>been living in San Francisco for about five years and

1:05:15.800 --> 1:05:18.280
<v Speaker 2>it's a white city. A lot of it is very white,

1:05:18.920 --> 1:05:21.560
<v Speaker 2>and you notice it real viscerally when you go to Oakland,

1:05:21.560 --> 1:05:25.640
<v Speaker 2>and I feel physically calmer in Oakland. I feel physically

1:05:25.680 --> 1:05:29.000
<v Speaker 2>more like here it is. And there are so many

1:05:29.040 --> 1:05:32.120
<v Speaker 2>more black and brown businesses in Oakland too, and ones

1:05:32.160 --> 1:05:34.400
<v Speaker 2>that really boost it. They're like we are you know,

1:05:34.440 --> 1:05:37.280
<v Speaker 2>They're just it's so much more visible. It's wonderful and

1:05:37.320 --> 1:05:40.840
<v Speaker 2>so massive boosts to the city of Oakland. I'm saying

1:05:40.880 --> 1:05:42.760
<v Speaker 2>a lot of the most obvious things in the universe.

1:05:42.800 --> 1:05:45.560
<v Speaker 2>Oakland's been this way for a very very, very very

1:05:45.600 --> 1:05:47.760
<v Speaker 2>long time. So I just want to give an extra

1:05:47.800 --> 1:05:50.920
<v Speaker 2>boost today to all the props that it deserves. And

1:05:51.120 --> 1:05:56.000
<v Speaker 2>if anyone knows of any and all just black, brown

1:05:56.080 --> 1:05:58.600
<v Speaker 2>women owned businesses in Oakland, please let me out because

1:05:58.600 --> 1:05:59.920
<v Speaker 2>I'm trying to get my money to all up that.

1:06:01.440 --> 1:06:05.600
<v Speaker 4>Yeah, Burn, I know you're talking about there. It's it's

1:06:05.880 --> 1:06:07.439
<v Speaker 4>you can see the difference. I feel like the last

1:06:07.440 --> 1:06:09.720
<v Speaker 4>black man in San Francisco. Every day when I walk

1:06:09.720 --> 1:06:13.280
<v Speaker 4>out the front door, I count black people as I go, like,

1:06:13.320 --> 1:06:15.000
<v Speaker 4>oh hey, you know so it's like.

1:06:15.120 --> 1:06:18.680
<v Speaker 2>Yeah, just the two of us, just U.

1:06:19.040 --> 1:06:20.880
<v Speaker 3>I haven't seen anybody for a while. How's it going?

1:06:22.280 --> 1:06:22.480
<v Speaker 1>It?

1:06:22.640 --> 1:06:26.040
<v Speaker 2>Just sit in a singular coffee shop in Oakland. You're like, here,

1:06:26.080 --> 1:06:29.720
<v Speaker 2>we are here, we are some major boosts to the town.

1:06:30.680 --> 1:06:32.680
<v Speaker 1>Oh I want to live someplace like that. I mean,

1:06:32.720 --> 1:06:34.680
<v Speaker 1>I do live in a diverse area, but there's not

1:06:34.720 --> 1:06:36.280
<v Speaker 1>a lot of black and note black and brown owned

1:06:36.320 --> 1:06:39.040
<v Speaker 1>businesses around here. And if they are, they're like far

1:06:39.080 --> 1:06:42.040
<v Speaker 1>apart from one another. But to have that, like, you know,

1:06:42.120 --> 1:06:45.760
<v Speaker 1>that like condensed area of black and brown greatness. Like

1:06:46.720 --> 1:06:51.560
<v Speaker 1>I'm excited for you in your new bow bag. All right, Christopher,

1:06:51.560 --> 1:06:52.600
<v Speaker 1>you said you was ready.

1:06:52.800 --> 1:06:55.120
<v Speaker 4>I was ready. I got my is a brown boost.

1:06:55.320 --> 1:06:57.880
<v Speaker 4>This week, and it's gonna go out to my niece.

1:06:58.160 --> 1:07:00.240
<v Speaker 4>I've been staying with my brother this week, so I've

1:07:00.280 --> 1:07:03.800
<v Speaker 4>been on a very luxurious air mattress in the living room,

1:07:03.960 --> 1:07:06.280
<v Speaker 4>and I get woken up every morning by my niece.

1:07:06.920 --> 1:07:08.600
<v Speaker 4>I was breathing directly into my face.

1:07:08.680 --> 1:07:11.160
<v Speaker 1>It's she knows her uncle Chris so much.

1:07:12.200 --> 1:07:14.520
<v Speaker 4>I'm uncle Ceec when I come down there, and that's

1:07:14.520 --> 1:07:17.880
<v Speaker 4>my that's my name down there, and my my brown boost.

1:07:17.920 --> 1:07:19.240
<v Speaker 3>Is that my my sister in law.

1:07:19.880 --> 1:07:22.760
<v Speaker 4>She told me that like it's someone at my niece's

1:07:22.800 --> 1:07:25.200
<v Speaker 4>daycare said that she's been doing something. She's been singing

1:07:25.200 --> 1:07:29.560
<v Speaker 4>something kind of interesting at school. So she's really into Mowana.

1:07:29.680 --> 1:07:32.040
<v Speaker 4>She loves Moana. She loves watching the movie on one

1:07:32.080 --> 1:07:34.520
<v Speaker 4>Maana too. Whatever the Moanas are out there, and so

1:07:34.560 --> 1:07:36.760
<v Speaker 4>I guess there's some part where she just sings, I

1:07:36.800 --> 1:07:37.400
<v Speaker 4>am Moana.

1:07:37.480 --> 1:07:40.600
<v Speaker 3>That's what she's just. She just sings in right.

1:07:40.840 --> 1:07:42.840
<v Speaker 4>So one day I was over there and I just

1:07:42.840 --> 1:07:45.680
<v Speaker 4>started saying I am Moesha because I was like.

1:07:45.920 --> 1:07:47.840
<v Speaker 3>I just started, I just start messing with her. So

1:07:47.920 --> 1:07:49.560
<v Speaker 3>this girl is a daycare going.

1:07:49.520 --> 1:07:54.640
<v Speaker 4>I Am Moesha all day saying nothing.

1:07:54.800 --> 1:08:01.080
<v Speaker 1>Who who? Now I'm thinking about, Oh, what a good

1:08:01.120 --> 1:08:01.760
<v Speaker 1>uncle you are.

1:08:03.520 --> 1:08:05.960
<v Speaker 3>My assistant law was not super thrilled about it.

1:08:06.000 --> 1:08:07.920
<v Speaker 4>I found it hilarious, is one of it was one

1:08:07.920 --> 1:08:09.280
<v Speaker 4>of the best things I've ever heard in my life.

1:08:09.800 --> 1:08:11.360
<v Speaker 3>And I'm going to cherish that.

1:08:11.560 --> 1:08:13.480
<v Speaker 1>Didn't she take place in the Bay Area?

1:08:14.920 --> 1:08:17.080
<v Speaker 3>Where was mo? She said? Where was she supposed to

1:08:17.080 --> 1:08:18.400
<v Speaker 3>be at? Was that La? Or was that the Bay?

1:08:18.400 --> 1:08:21.240
<v Speaker 1>I don't know, Philly Phi.

1:08:21.680 --> 1:08:24.960
<v Speaker 3>Let's see, I'm looking it up right now.

1:08:25.240 --> 1:08:27.320
<v Speaker 2>Okay, both of your computer arms went out.

1:08:27.560 --> 1:08:30.400
<v Speaker 1>You're more quieter. I love it.

1:08:30.680 --> 1:08:32.519
<v Speaker 2>Both you went yea.

1:08:33.320 --> 1:08:34.240
<v Speaker 1>Their computers are.

1:08:34.120 --> 1:08:38.479
<v Speaker 3>Like oh so she said in Lemert Park in La.

1:08:38.760 --> 1:08:40.800
<v Speaker 1>Oh yeah, oh la. Okay, there we go.

1:08:41.080 --> 1:08:42.400
<v Speaker 4>That's what I thought, because I think I feel like

1:08:42.439 --> 1:08:45.680
<v Speaker 4>because it wasn't wait, was the Parkers a spinoff of them?

1:08:45.720 --> 1:08:47.920
<v Speaker 3>Were they ever connected? Did they do some crossovers or something?

1:08:48.560 --> 1:08:51.080
<v Speaker 1>They also felt connected the Parkers, because.

1:08:50.840 --> 1:08:52.240
<v Speaker 4>I thought the Parkers they were always at like Santa

1:08:52.240 --> 1:08:54.160
<v Speaker 4>Monica Community College. I think it's where they're at or

1:08:54.160 --> 1:08:54.479
<v Speaker 4>something like that.

1:08:54.760 --> 1:08:56.760
<v Speaker 1>You're saying the Parkers, but I can only picture Hango

1:08:56.760 --> 1:08:57.519
<v Speaker 1>with mister Cooper.

1:08:58.080 --> 1:09:00.960
<v Speaker 3>The Parkers was with Monique was the mom And then

1:09:01.520 --> 1:09:02.880
<v Speaker 3>I forgot the daughter. What her name is?

1:09:03.040 --> 1:09:05.879
<v Speaker 2>I could see her face though, yeah, would.

1:09:05.760 --> 1:09:07.840
<v Speaker 4>And money was in love with the U. I guess

1:09:07.880 --> 1:09:11.240
<v Speaker 4>the dean of the community college. Mister was mister Ovobee

1:09:11.280 --> 1:09:12.439
<v Speaker 4>or something like that. It's a weird name.

1:09:12.520 --> 1:09:14.240
<v Speaker 2>Oh my gosh, what's your boost?

1:09:14.560 --> 1:09:16.719
<v Speaker 4>Oh my, oh my niece singing out I am osha,

1:09:16.880 --> 1:09:19.040
<v Speaker 4>okay this we we got to come back around full circle.

1:09:19.040 --> 1:09:21.320
<v Speaker 4>But my boost is that I love that she's been

1:09:21.320 --> 1:09:22.439
<v Speaker 4>singing it since I've been there.

1:09:22.600 --> 1:09:24.559
<v Speaker 1>You need to get her the Brandy album, get her

1:09:24.600 --> 1:09:27.120
<v Speaker 1>some Brandy records, put her onto I'm.

1:09:26.960 --> 1:09:29.160
<v Speaker 3>Gon Show with Brandy Whitney Houston, Cinderella, and she'll be

1:09:29.200 --> 1:09:29.559
<v Speaker 3>all set.

1:09:29.880 --> 1:09:32.640
<v Speaker 1>Oh that's such a good idea. She'll love to be

1:09:32.720 --> 1:09:34.519
<v Speaker 1>the black girl watching that for the first time.

1:09:35.040 --> 1:09:36.479
<v Speaker 2>That's the only one that matters.

1:09:36.720 --> 1:09:37.960
<v Speaker 1>Ah, that's so good.

1:09:38.760 --> 1:09:43.320
<v Speaker 2>And a Filipino prince Filipino Talan, if you're listening to this,

1:09:43.360 --> 1:09:47.600
<v Speaker 2>I've had a crush on you sintimes and love you.

1:09:47.880 --> 1:09:49.559
<v Speaker 1>He came back for them whatever that was that they

1:09:49.560 --> 1:09:51.160
<v Speaker 1>were getting dressed up again for it.

1:09:54.040 --> 1:09:54.719
<v Speaker 3>See that's perfect.

1:09:54.720 --> 1:09:54.800
<v Speaker 4>Man.

1:09:54.880 --> 1:09:56.920
<v Speaker 3>He's half black, half Filipino. Ba. I'm just gonna get

1:09:56.920 --> 1:09:58.840
<v Speaker 3>both sides in one movie Love That.

1:09:59.240 --> 1:10:02.280
<v Speaker 1>All right, I'm gonna do a brown boost because I

1:10:02.320 --> 1:10:05.000
<v Speaker 1>had mentioned before the show that I was listening to

1:10:05.280 --> 1:10:07.120
<v Speaker 1>I was claim in my room. I was listening to

1:10:07.280 --> 1:10:11.400
<v Speaker 1>the Jay Shuddy podcast. And you know, my iHeart brother

1:10:13.400 --> 1:10:17.280
<v Speaker 1>Bread right on a different He's in the first class

1:10:17.280 --> 1:10:21.880
<v Speaker 1>section of iHeart way in the back by the bathroom,

1:10:22.120 --> 1:10:24.679
<v Speaker 1>you know, but you know, easy access and all that.

1:10:24.920 --> 1:10:29.040
<v Speaker 1>But anyway, he had MI girl Lizzo on as a guest,

1:10:29.160 --> 1:10:32.479
<v Speaker 1>and I just we talked about Lizzo when her whole

1:10:32.520 --> 1:10:34.439
<v Speaker 1>scandal happened a couple of years ago. One of her

1:10:34.520 --> 1:10:37.040
<v Speaker 1>a couple of her dancers had claimed like sexual harassment,

1:10:37.080 --> 1:10:41.040
<v Speaker 1>workplace harassment, and it was this whole thing, and Lizzo's

1:10:41.080 --> 1:10:43.360
<v Speaker 1>reputation was just like dragged through the mud. And I

1:10:43.400 --> 1:10:46.040
<v Speaker 1>remember at the time having so much compassion for her

1:10:46.640 --> 1:10:49.880
<v Speaker 1>as an as a fellow, like thirty somethingter young manager

1:10:49.960 --> 1:10:54.040
<v Speaker 1>of people and learning some hard lessons about what happens

1:10:54.080 --> 1:10:56.519
<v Speaker 1>when you hire friends and what happens when you kind

1:10:56.520 --> 1:11:02.479
<v Speaker 1>of bridge that line between friend vibe and workplace vibe.

1:11:02.880 --> 1:11:06.000
<v Speaker 1>And I've been I just knew she was going to

1:11:06.080 --> 1:11:08.760
<v Speaker 1>go on. I knew she was going to be going

1:11:08.800 --> 1:11:11.880
<v Speaker 1>through stuff. But I think it's really apparent whether you've

1:11:11.880 --> 1:11:15.880
<v Speaker 1>heard anything about the Lizzo journey, whether you've been a

1:11:15.880 --> 1:11:18.680
<v Speaker 1>fan for a long time, or you use that you know,

1:11:18.800 --> 1:11:20.720
<v Speaker 1>that whole new cycle a couple of years back to

1:11:21.400 --> 1:11:25.439
<v Speaker 1>just like you know, you know, just like write her

1:11:25.479 --> 1:11:26.840
<v Speaker 1>off and decide that you weren't going to give her

1:11:26.880 --> 1:11:30.040
<v Speaker 1>the time of day. I really encourage you to listen,

1:11:30.080 --> 1:11:33.719
<v Speaker 1>because she has just she clearly has had gone through

1:11:33.840 --> 1:11:36.320
<v Speaker 1>and done like so much personal work. And the way

1:11:36.360 --> 1:11:40.480
<v Speaker 1>that she talks about the way that she takes accountability,

1:11:40.760 --> 1:11:44.000
<v Speaker 1>the way that she talks about her own journey to

1:11:44.160 --> 1:11:49.280
<v Speaker 1>self love, the way that she even has reframed her

1:11:49.800 --> 1:11:53.519
<v Speaker 1>her relationship with her body as she's she's calls it

1:11:53.600 --> 1:11:57.960
<v Speaker 1>like releasing weight, not losing weight, but releasing weight. She

1:11:58.040 --> 1:12:02.200
<v Speaker 1>acknowledges all the you know, all the controversy, and how

1:12:02.240 --> 1:12:07.719
<v Speaker 1>she like it really made her like hit this rock

1:12:07.720 --> 1:12:10.800
<v Speaker 1>bottom of self worth, having everybody decide that you are

1:12:10.800 --> 1:12:13.599
<v Speaker 1>this villain and a story that you didn't write, and

1:12:14.280 --> 1:12:16.559
<v Speaker 1>she talks about I mean, there's so many gems that

1:12:16.600 --> 1:12:18.000
<v Speaker 1>I wish I had had a penant paper I could

1:12:18.040 --> 1:12:20.840
<v Speaker 1>have written them down, but I was multitasking but one

1:12:20.880 --> 1:12:23.280
<v Speaker 1>of them that really stuck with me is the concept

1:12:23.320 --> 1:12:29.320
<v Speaker 1>of letting other people tell your story for you, and

1:12:29.400 --> 1:12:33.360
<v Speaker 1>how they are casting her as a villain in a story,

1:12:33.400 --> 1:12:36.720
<v Speaker 1>and how she has the power to like she can't control,

1:12:36.760 --> 1:12:40.400
<v Speaker 1>and she also understands how people can well believe that

1:12:40.479 --> 1:12:42.720
<v Speaker 1>story because and she acknowledges that, like she was one

1:12:42.760 --> 1:12:45.680
<v Speaker 1>of those people who would read gossip or read accusations

1:12:45.680 --> 1:12:48.920
<v Speaker 1>about people and then she would participate in that because

1:12:49.200 --> 1:12:52.040
<v Speaker 1>what other information is there for us to, you know,

1:12:52.160 --> 1:12:56.840
<v Speaker 1>base our our beliefs about someone on other than what

1:12:56.880 --> 1:13:00.160
<v Speaker 1>we may see publicly. So she like makes peace with

1:13:00.160 --> 1:13:02.559
<v Speaker 1>the fact that she can't control what people think about her,

1:13:02.880 --> 1:13:05.840
<v Speaker 1>but that she can take back control and she can

1:13:05.880 --> 1:13:08.840
<v Speaker 1>write herself back into the story. She can write her

1:13:08.880 --> 1:13:13.040
<v Speaker 1>own narrative. And she's putting out music again and she's

1:13:13.120 --> 1:13:17.719
<v Speaker 1>loving herself and I am just so happy for her.

1:13:17.840 --> 1:13:21.479
<v Speaker 1>And I think we got to get people more grace

1:13:21.720 --> 1:13:24.559
<v Speaker 1>and space to go through the kind of self work

1:13:24.720 --> 1:13:27.920
<v Speaker 1>that Lizzo has gone through, and to have done that

1:13:27.960 --> 1:13:31.120
<v Speaker 1>in such a public, freaking stage and to still be standing.

1:13:31.160 --> 1:13:34.320
<v Speaker 1>I just think that she's extraordinary, and I think she

1:13:34.360 --> 1:13:36.720
<v Speaker 1>made mistakes and she thinks she makes mistakes, and I

1:13:37.320 --> 1:13:40.360
<v Speaker 1>believe having made a lot of mistakes myself and having

1:13:40.400 --> 1:13:43.479
<v Speaker 1>gone through like something of an ego death the past

1:13:43.520 --> 1:13:47.280
<v Speaker 1>couple of years, and you know, on such a journey myself,

1:13:47.520 --> 1:13:50.200
<v Speaker 1>on a very similar journey, but on a thank god,

1:13:50.320 --> 1:13:53.519
<v Speaker 1>not a public stage like Lizo did. I just have

1:13:53.640 --> 1:13:58.080
<v Speaker 1>so much compassion for everybody, Like so much compassion. Like

1:13:58.240 --> 1:14:02.439
<v Speaker 1>everyone is redeemable, almost everyone, not you, you know who,

1:14:03.360 --> 1:14:07.120
<v Speaker 1>not you, You're not dragoons, but a lot of people

1:14:07.560 --> 1:14:13.519
<v Speaker 1>are redeemable, and like we should give ourselves space and

1:14:13.560 --> 1:14:18.479
<v Speaker 1>grace to make mistakes. And listen, if you're listening to

1:14:18.479 --> 1:14:20.080
<v Speaker 1>this and you're like, oh, yeah, I've heard that before,

1:14:20.120 --> 1:14:22.920
<v Speaker 1>but you haven't lived it yet. When you have the

1:14:23.040 --> 1:14:26.559
<v Speaker 1>privilege of living through some of the worst days of

1:14:26.600 --> 1:14:28.639
<v Speaker 1>your life and some of the biggest challenges you've faced,

1:14:28.720 --> 1:14:30.719
<v Speaker 1>and you are able to get on the other side

1:14:30.760 --> 1:14:34.000
<v Speaker 1>of those, it just gives you this like freedom, freedom

1:14:34.040 --> 1:14:36.439
<v Speaker 1>to be kinder to yourself, and freedom to be kinder

1:14:36.479 --> 1:14:40.640
<v Speaker 1>to others and to treat everyone else with compassion and yourself.

1:14:40.960 --> 1:14:43.639
<v Speaker 1>And I know that what I've gone through has made

1:14:43.680 --> 1:14:49.479
<v Speaker 1>me a kinder, more empathetic, more understanding, open hearted person

1:14:49.720 --> 1:14:54.880
<v Speaker 1>and it was really refreshing and very heartening to hear

1:14:54.960 --> 1:14:58.280
<v Speaker 1>and recognize that journey in a public figure who I

1:14:58.400 --> 1:15:02.240
<v Speaker 1>have loved for so long. I'm just really really proud

1:15:02.280 --> 1:15:04.080
<v Speaker 1>of her. I don't know her. I don't know you,

1:15:04.160 --> 1:15:08.360
<v Speaker 1>Melissa Lisso, but I love you and I do love

1:15:08.439 --> 1:15:10.320
<v Speaker 1>Jay Shutty's podcast. Now y'all should go check it out.

1:15:10.320 --> 1:15:15.160
<v Speaker 1>It's called On Purpose with Jay Sheddy and Yeah Brown,

1:15:15.240 --> 1:15:17.080
<v Speaker 1>Big Brown Boost for that. So y'all can go listen

1:15:17.080 --> 1:15:20.920
<v Speaker 1>to that after this, after you subscribe and follow and

1:15:21.439 --> 1:15:23.680
<v Speaker 1>write us a review, then you can go check out

1:15:23.920 --> 1:15:29.120
<v Speaker 1>Jay Shutty's podcast. Not sponsored, No, that doesn't kinda that's

1:15:29.120 --> 1:15:32.400
<v Speaker 1>so beautiful. I think it's kind of related what you

1:15:32.439 --> 1:15:36.080
<v Speaker 1>were saying before. When we were going through lockdown, like

1:15:36.120 --> 1:15:39.240
<v Speaker 1>early twenty twenty twenty one, all we had was one

1:15:39.400 --> 1:15:42.559
<v Speaker 1>purchasing things and two judging things on the internet, and

1:15:42.600 --> 1:15:45.719
<v Speaker 1>I think we got really good, too good at being

1:15:45.840 --> 1:15:48.920
<v Speaker 1>very sharp and unforgiving with each other because there was

1:15:48.960 --> 1:15:51.479
<v Speaker 1>no other outlet. There was very little empathy that we

1:15:51.479 --> 1:15:56.599
<v Speaker 1>were all in ridiculous crisis. And so I've been thinking

1:15:56.640 --> 1:15:58.439
<v Speaker 1>a lot over the past few years about, of course,

1:15:58.479 --> 1:16:01.200
<v Speaker 1>like cancel culture, how toxic it could be. And also

1:16:01.240 --> 1:16:04.600
<v Speaker 1>how like carcorole, it is, how very prison system it

1:16:04.720 --> 1:16:06.519
<v Speaker 1>is for us to go, like one thing I heard

1:16:06.520 --> 1:16:09.479
<v Speaker 1>that was bad for you jail, like moral jail. Forever

1:16:09.680 --> 1:16:13.640
<v Speaker 1>you're counseled, forever, you can't be redeemed. It's wild that

1:16:13.680 --> 1:16:15.360
<v Speaker 1>we cast that upon each other, and we would never

1:16:15.400 --> 1:16:18.879
<v Speaker 1>actually want that to be enacted on us on ourselves.

1:16:18.880 --> 1:16:22.120
<v Speaker 1>It's giving mob mentality, it's giving like public hangings and

1:16:22.200 --> 1:16:28.480
<v Speaker 1>medieval times exactly, it's really you know, American times.

1:16:29.120 --> 1:16:33.559
<v Speaker 2>It's incredibly violent, it's very it's it's not the way

1:16:33.600 --> 1:16:35.639
<v Speaker 2>that I think humans are meant to live or any

1:16:35.680 --> 1:16:37.600
<v Speaker 2>of us really, that's not really environment any of us

1:16:37.680 --> 1:16:39.640
<v Speaker 2>want to be in or a part of. And so

1:16:39.760 --> 1:16:41.000
<v Speaker 2>I love I love to hear I haven't heard that

1:16:41.000 --> 1:16:43.040
<v Speaker 2>podcast yet, but I love to hear that it's a

1:16:43.080 --> 1:16:46.559
<v Speaker 2>moment for all of us to practice reminding ourselves of

1:16:46.560 --> 1:16:50.240
<v Speaker 2>our humanity, that we and that we need that. I

1:16:50.280 --> 1:16:54.120
<v Speaker 2>know everyone loves saying now more than ever, but like, truly, truly,

1:16:54.360 --> 1:16:56.680
<v Speaker 2>and I know I I beat the community drum, but like,

1:16:56.760 --> 1:16:58.719
<v Speaker 2>that's something you really need if you're gonna be seriously

1:16:58.760 --> 1:17:01.880
<v Speaker 2>in community, is the ability to give kindness and grace

1:17:01.920 --> 1:17:04.920
<v Speaker 2>to each other through mistakes because it's gonna keep happening.

1:17:05.760 --> 1:17:07.439
<v Speaker 4>Yeah, And I think it's so hard with so many

1:17:07.479 --> 1:17:10.000
<v Speaker 4>people living their lives on the internet now and you

1:17:10.040 --> 1:17:12.800
<v Speaker 4>have no real control overall content that's put out of

1:17:12.800 --> 1:17:14.760
<v Speaker 4>a batchels, especially for someone famous. I think we were

1:17:14.760 --> 1:17:16.280
<v Speaker 4>talking about this because look, I don't I never know

1:17:16.360 --> 1:17:18.439
<v Speaker 4>what's going on with celebrities, but Mandy and you and

1:17:18.439 --> 1:17:20.120
<v Speaker 4>Nellie were kindly feeling me in on the whole blake

1:17:20.160 --> 1:17:21.920
<v Speaker 4>Lively thing. And it's like, you have situations like that

1:17:21.960 --> 1:17:24.400
<v Speaker 4>where you don't know you hear ones side of the store,

1:17:24.400 --> 1:17:25.720
<v Speaker 4>you don't know whose story it is, you don't know

1:17:25.720 --> 1:17:28.120
<v Speaker 4>if it's true, and then you don't leave room for

1:17:28.160 --> 1:17:29.519
<v Speaker 4>maybe the person to come out and say something, or

1:17:29.520 --> 1:17:32.519
<v Speaker 4>even if they did something wrong, is there always room

1:17:32.640 --> 1:17:35.679
<v Speaker 4>for someone to kind of like come out do the work,

1:17:35.720 --> 1:17:38.360
<v Speaker 4>and people say, okay, all right, we respect that. Like,

1:17:38.400 --> 1:17:39.840
<v Speaker 4>I think it's it's kind of hard sometimes in the

1:17:39.960 --> 1:17:43.439
<v Speaker 4>very knee jerk, very negative world that is social media

1:17:43.479 --> 1:17:44.840
<v Speaker 4>and just being online in general.

1:17:46.640 --> 1:17:48.800
<v Speaker 2>Yeah, like you're saying, Mandy, imagine living out all of

1:17:48.840 --> 1:17:52.559
<v Speaker 2>your worst days and your biggest and littlest mistakes on

1:17:52.640 --> 1:17:55.800
<v Speaker 2>a world stage. I couldn't do. I would snap and

1:17:55.800 --> 1:17:59.080
<v Speaker 2>have so whenever anyone has a we get to see

1:17:59.080 --> 1:18:00.760
<v Speaker 2>the trajectory of a part and they come up the

1:18:00.800 --> 1:18:04.080
<v Speaker 2>other side and they share the lessons learned after that,

1:18:04.120 --> 1:18:07.559
<v Speaker 2>which they don't owe us. That is, that's a gift

1:18:07.640 --> 1:18:09.960
<v Speaker 2>for all of us. I can't imagine doing that. That's

1:18:10.080 --> 1:18:13.160
<v Speaker 2>that's so much strength. And we're worthy even if you

1:18:13.200 --> 1:18:15.479
<v Speaker 2>make mistakes. Like she's worthy of her own success and

1:18:15.560 --> 1:18:18.120
<v Speaker 2>worthy of sharing her art and doing what she loves,

1:18:18.200 --> 1:18:19.439
<v Speaker 2>you know, like for her it's.

1:18:21.120 --> 1:18:22.840
<v Speaker 1>I just hear it. She's doing it for all the

1:18:22.920 --> 1:18:25.880
<v Speaker 1>right reasons. And I don't know, Chris, like, is Blake

1:18:25.960 --> 1:18:29.439
<v Speaker 1>Lively redeemable? Is it fair that she's the one who

1:18:29.520 --> 1:18:31.240
<v Speaker 1>we're thinking of being redeemable or not?

1:18:31.479 --> 1:18:31.920
<v Speaker 3>I don't know.

1:18:33.000 --> 1:18:36.120
<v Speaker 1>Of course she is. She's a mama, like, she's a human,

1:18:36.280 --> 1:18:40.759
<v Speaker 1>she's a woman like she's she is a beautiful blonde

1:18:40.760 --> 1:18:43.599
<v Speaker 1>woman in America. Y'all thought she wouldn't have fift up.

1:18:45.040 --> 1:18:48.960
<v Speaker 1>She is sick with privilege and I but redeemable. But

1:18:49.040 --> 1:18:50.760
<v Speaker 1>there has to be that ego death. There has to

1:18:50.800 --> 1:18:53.599
<v Speaker 1>be that acknowledgment, There has to be that like that

1:18:53.800 --> 1:18:57.120
<v Speaker 1>real I've looked in the mirror. I have worked on this.

1:18:57.240 --> 1:18:59.120
<v Speaker 1>I have face some and you can just tell from

1:18:59.200 --> 1:19:02.040
<v Speaker 1>Lizzo like she has sat like I have. She has

1:19:02.120 --> 1:19:06.800
<v Speaker 1>sat in that mirror, whether physical or just mental, and

1:19:07.080 --> 1:19:10.719
<v Speaker 1>looked so hard until you stop seeing what you want

1:19:10.760 --> 1:19:14.160
<v Speaker 1>to see and you finally accept what you see, even

1:19:14.200 --> 1:19:18.800
<v Speaker 1>if it's like ugly and damaged and broken and imperfect,

1:19:19.360 --> 1:19:24.160
<v Speaker 1>and you take accountability for your part in like the

1:19:24.200 --> 1:19:26.360
<v Speaker 1>way that you treat others and what you do. And

1:19:26.400 --> 1:19:29.080
<v Speaker 1>that is like when you're someone who like you get

1:19:29.080 --> 1:19:30.840
<v Speaker 1>your value from how people see you, and then you

1:19:30.880 --> 1:19:33.479
<v Speaker 1>realize that you've done, you know, bad things and like

1:19:33.520 --> 1:19:37.479
<v Speaker 1>you've made mistakes, like it can so damage your sense

1:19:37.520 --> 1:19:40.920
<v Speaker 1>of self worth and like like I just know that

1:19:40.960 --> 1:19:42.639
<v Speaker 1>when you can sit there and you can get through

1:19:42.640 --> 1:19:44.640
<v Speaker 1>that and then you decide to still love yourself, like

1:19:44.640 --> 1:19:47.840
<v Speaker 1>I can hear Lizo has like that is the freaking

1:19:47.960 --> 1:19:51.160
<v Speaker 1>journey of a lifetime, you know. I think that's if

1:19:51.160 --> 1:19:53.120
<v Speaker 1>we're one hundred percent. I think we're all on a

1:19:53.200 --> 1:19:55.240
<v Speaker 1>journey like that. It's it's just a matter of like

1:19:55.320 --> 1:19:57.439
<v Speaker 1>will we ever get to that mountaintop? And some of

1:19:57.520 --> 1:20:00.519
<v Speaker 1>us I think it's stuck, you know, and you think

1:20:00.520 --> 1:20:02.760
<v Speaker 1>that you're happy, you know, but you're really you're just

1:20:02.800 --> 1:20:06.479
<v Speaker 1>stuck and you haven't really gotten there yet. And I'm

1:20:06.520 --> 1:20:10.040
<v Speaker 1>grateful to her and I'm grateful for her, and thanks

1:20:10.040 --> 1:20:12.760
<v Speaker 1>to let me be on my Lizo train. Love it,

1:20:13.320 --> 1:20:17.240
<v Speaker 1>my little fantrain. Okay, be a fam. We're gonna say

1:20:17.240 --> 1:20:19.519
<v Speaker 1>goodbye for now. Thank you so so so so much

1:20:19.520 --> 1:20:22.880
<v Speaker 1>for listening. Don't forget to rate and review, subscribe. It

1:20:22.920 --> 1:20:25.439
<v Speaker 1>takes like thirty seconds. If you want to share this

1:20:25.479 --> 1:20:28.400
<v Speaker 1>episode with a friend, go ahead and do that. And

1:20:28.439 --> 1:20:30.519
<v Speaker 1>by the way, we would love to hear from y'all.

1:20:30.520 --> 1:20:34.160
<v Speaker 1>Please dm me. I'm at Brand Ambition Podcast on ig or.

1:20:34.200 --> 1:20:36.599
<v Speaker 1>You can email me and yes it's actually me reading

1:20:36.640 --> 1:20:40.600
<v Speaker 1>your emails Brian Ambition Podcast at gmail dot com and

1:20:40.800 --> 1:20:43.320
<v Speaker 1>let us know if you have questions. If you want

1:20:43.360 --> 1:20:45.880
<v Speaker 1>to just leave a comment about the show. I'm so

1:20:46.000 --> 1:20:49.000
<v Speaker 1>grateful to y'all for sticking with me through this new journey,

1:20:49.000 --> 1:20:54.559
<v Speaker 1>this new chapter for BA and we will see y'all Friday. Okay,

1:20:54.680 --> 1:20:56.720
<v Speaker 1>be a fam. Thank you so much for listening to

1:20:56.760 --> 1:20:59.040
<v Speaker 1>this week's show. I want to shout out to our

1:20:59.080 --> 1:21:04.040
<v Speaker 1>production team, Courtney, our editor, Carla, our fearless leader, for

1:21:04.200 --> 1:21:07.400
<v Speaker 1>idea to launch productions. I want to shout out my

1:21:07.600 --> 1:21:12.360
<v Speaker 1>assistant Lauda Escalante and Cameron McNair for helping me put

1:21:12.400 --> 1:21:15.519
<v Speaker 1>the show together. It is not a one person project,

1:21:15.960 --> 1:21:18.120
<v Speaker 1>as much as I have tried to make it so

1:21:18.320 --> 1:21:21.760
<v Speaker 1>these past ten years, I need help y'all, and thank

1:21:21.800 --> 1:21:24.200
<v Speaker 1>goodness I've been able to put this team around me

1:21:24.360 --> 1:21:27.160
<v Speaker 1>to support me on this journey and to y'all bea

1:21:27.240 --> 1:21:31.920
<v Speaker 1>fam I love you so so so so much. Please rate, review, subscribe,

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<v Speaker 1>make sure your sign up to the newsletter to get

1:21:33.920 --> 1:21:37.639
<v Speaker 1>all the latest updates on upcoming episodes, our ten year

1:21:37.680 --> 1:21:42.439
<v Speaker 1>anniversary celebrations to come, and until next time, talk to

1:21:42.439 --> 1:21:48.120
<v Speaker 1>you soon via buye