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Speaker 1: Hey, hey, hey.

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Speaker 2: Hi, I'm fippity hi.

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Speaker 3: I'm melting Mandy.

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Speaker 2: Melting many in here and this is around. Let's do

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Speaker 2: a quick recap last week's show.

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Speaker 3: Oh, last week's show was major, huge, one of our

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Speaker 3: biggest shows of the year.

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Speaker 2: Huge, y'all liked it.

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Speaker 3: We had the unbelievable couple Leo and Faith from Hotlanta

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Speaker 3: on the show to talk about paying off like over

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Speaker 3: one hundred thousand dollars worth of debt. I was really

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Speaker 3: happy that people connected with the show as much as

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Speaker 3: I wanted them to, because it's not just like the

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Speaker 3: fact that they paid off debt. It's just they's such

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Speaker 3: a sweet couple with such good intentions, and I just

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Speaker 3: loved how they took their debt straight on and got

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Speaker 3: a lot of love for that episode on social media

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Speaker 3: and everything. So thank you guys, and go check it

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Speaker 3: out if you haven't listened to it yet.

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Speaker 1: Yeah, they were just so they were super cute. I

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Speaker 1: was like, oh, my goodness, you know, a year in,

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Speaker 1: I feel like, you know, it's so crazy how so

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Speaker 1: many people, you know, stuff is aligned.

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Speaker 2: You're like, oh, we're all like one year in. I mean,

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Speaker 2: you have a year and some change.

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Speaker 1: Man, you know, you ain't new at this, you know,

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Speaker 1: you got to beat back a few months.

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Speaker 2: But yeah, it was a really great episode.

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Speaker 1: And it's nice to hear regular everyday people who have

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Speaker 1: imperfect financial lives but somehow they're figuring it out.

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Speaker 2: So that's always.

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Speaker 3: Nice, right, And they did my favorite thing, you know,

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Speaker 3: because so often people will cut expenses and trim trim

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Speaker 3: trim to try and pay down debt. But they were like, no,

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Speaker 3: we really need to actually bring an extra income and

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Speaker 3: make sacrifices to make that happen. So that they were

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Speaker 3: both working two jobs and Faith worked overnight. It's like

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Speaker 3: five or six days a week. She said, Girl, she

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Speaker 3: sounded so tired. I'm glad she's.

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Speaker 2: Taking a break this summer.

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Speaker 1: I know because my mom is a nurse, and I

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Speaker 1: remember those days when like we were going to go

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Speaker 1: off to college or whatever, and my mom did like

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Speaker 1: double shifts and all that stuff. So I remember when

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Speaker 1: she was saying that. I said, oh my good, My

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Speaker 1: mother used to be like.

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Speaker 2: The things I do for you kids.

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Speaker 1: So yeah, it's hard being a nurse, you know, because

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Speaker 1: it's just you're on your feet all day long. But

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Speaker 1: nurses have an extreme potential to make a lot of

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Speaker 1: money because my mother could make really good money and

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Speaker 1: she'd made and she did those you know, those extra shifts.

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Speaker 3: Well, good for it. And she's young too. It's like

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Speaker 3: do it now before. I think they're fortunate and that

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Speaker 3: they have the age on their side. They're young and

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Speaker 3: they don't have any kids yet. Like a lot of

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Speaker 3: the questions we get from listeners often you know, rightfully,

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Speaker 3: so they have their struggling and they can't necessarily take

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Speaker 3: on an extra job because they have kids or other obligations.

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Speaker 3: So I think you have to recognize when you're that

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Speaker 3: this is the time to be struggling, like right, because

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Speaker 3: I think when you're in your twenties, like you think, okay,

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Speaker 3: I should be living my life and spending all my money.

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Speaker 3: But it's like do the work now so that you

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Speaker 3: can enjoy things or things won't be so hard when

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Speaker 3: you have a million other like obligate. That's what I

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Speaker 3: think about every day.

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Speaker 1: And when I was, you know, coming up, my mom

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Speaker 1: would always say that she'd be like, oh, you better

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Speaker 1: get that degree now before the kids, and I didn't

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Speaker 1: understand what she meant. Whenever I said I wanted to

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Speaker 1: try something or do something. She'd be like, do that

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Speaker 1: now before kids come. I'm like, but now I understand,

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Speaker 1: because you're right. It just makes it ten times harder

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Speaker 1: when you have children because there's certain things you can't do.

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Speaker 2: You know.

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Speaker 1: You can't live just anywhere, you can't eat just anything,

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Speaker 1: you know. So yes, thank you faith In Leo. We

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Speaker 1: had an awesome time. If you have not listened to

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Speaker 1: that episode, what you're waiting on? Get your inspiration on?

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Speaker 1: I think it's time to hit the social streets. What

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Speaker 1: do you think?

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Speaker 3: I was just about to say, it was Father's Day

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Speaker 3: this weekend, so for those of you, I always feel

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Speaker 3: a little self conscious about post and then we post

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Speaker 3: something on Mother's Say, and then we post something on

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Speaker 3: Father's Day. And I just wanted to give a shout

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Speaker 3: out to anyone whose father who isn't with them or

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Speaker 3: wasn't a part of their lives. I always think of

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Speaker 3: Father's Day as like, here's a day to celebrate any

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Speaker 3: man in your life that you know has supported you

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Speaker 3: or done good things for you. So thank you to

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Speaker 3: everyone who who commented on our Instagram and Facebook post.

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Speaker 3: I just asked the same question we asked the Mother's Day.

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Speaker 3: You know, is there a lesson you want to share

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Speaker 3: that your dad's taught you and that you carry with

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Speaker 3: you today.

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Speaker 1: What did you say to well, yes, but honestly, I

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Speaker 1: just my dad really just taught me that hard work

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Speaker 1: can overcome almost any obstacle. Like he would always think

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Speaker 1: because my dad grew up in rural Nigeria, and he

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Speaker 1: would always say, you know, I wasn't the smartest. My

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Speaker 1: dad's a little on the short side, like five six,

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Speaker 1: I wasn't the tallest, you know. He was like, but

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Speaker 1: one thing I was was the hardest working. And he

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Speaker 1: was like, that's why you know, I was able to

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Speaker 1: move and create a life myself for myself, you know,

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Speaker 1: your mom and you kids. And so he just taught

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Speaker 1: me that, you know, and I carry that with me

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Speaker 1: that like I'm not the smartest, I'm not the anything is,

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Speaker 1: you know, but I do know that if I can

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Speaker 1: put in the work, you know, I can accomplish the

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Speaker 1: things that I desire.

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Speaker 2: So that was like my major lesson that my dad

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Speaker 2: taught me. What about you, Mandra.

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Speaker 3: Mine was super close to one of our Facebook followers.

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Speaker 3: I'm gonna try and get her name right. Maybe you

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Speaker 3: can help me. It might be Nigeria. I'm not sure

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Speaker 3: it's is Zuna is zun Wa na Kenny.

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Speaker 2: Ah, It's well definitely African.

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Speaker 3: Okay, so it's something I hope I did you justice.

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Speaker 3: I'm sorry anyway, I wanted to share her comments very

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Speaker 3: similar to what I was what mine was like. She said,

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Speaker 3: if I listened to my dad from the beginning, I'd

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Speaker 3: be way ahead of my financial life. He always told

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Speaker 3: us to choose our needs over our wants and not

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Speaker 3: be deceived by all the sales and TV ads because

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Speaker 3: there will always be sales. I did not listen on time.

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Speaker 2: That's okay, Zunoir.

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Speaker 1: We're all tricked by the magic of marketing.

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Speaker 2: You know.

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Speaker 3: I can tell that the person I bought my home from,

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Speaker 3: she was a little home shocking at shopping network scenes

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Speaker 3: because I am I'm getting these weird catalogs for like

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Speaker 3: pressure cookers and like all this made for TV stuff.

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Speaker 3: I was like, ooh, Rosemary.

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Speaker 2: With Allred Street. Let me write her.

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Speaker 1: It's thank you guys for first of all, we're just

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Speaker 1: like really happy that you guys have been hitting us

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Speaker 1: up on social and so we just like to like

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Speaker 1: shout you out. So this is on Insta just so

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Speaker 1: you know. Our ig name is Brown Ambition Podcast and

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Speaker 1: what's her name? On Facebook just Brown Ambition.

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Speaker 3: Brown Ambition and on Twitter at the BA podcast.

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Speaker 1: So you can tweet us, you can I G S

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Speaker 1: or you can F B S C. See all that,

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Speaker 1: and we'll read something every week. So this is from

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Speaker 1: L dubs. Let me see L what is your real name?

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Speaker 2: Leslie? Okay, Leslie Andy girl? So but it's L underscore

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Speaker 2: Dub with the Z.

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Speaker 1: She said her father he taught me by word indeed

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Speaker 1: that as long as you're still breathing, there's still time

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Speaker 1: to get it right. Life will knock you down. Sometimes

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Speaker 1: you'll even be the one tripping yourself up, but always

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Speaker 1: get back up and never stop trying to get it

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Speaker 1: right because the time is going to pass anyway.

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Speaker 2: Oh that was awesome, L. The time is right.

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Speaker 1: The time is going to pass anyway. All right, it's

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Speaker 1: time for buzzworthy? Ugh A, what's this buzzworthy? I'm like,

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Speaker 1: do we talk about the bad things or you just

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Speaker 1: try to find something good that's happening in the world.

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Speaker 3: Okay, what do you have? Good news or bad news?

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Speaker 1: I mean, these poor kids, and I mean, honestly, I

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Speaker 1: was crying about it today. I'm not gonna lie.

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Speaker 2: I was like reading.

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Speaker 1: Stories about you know, just separation at the border, and

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Speaker 1: I was just like looking at this little boy who

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Speaker 1: couldn't have been more than three.

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Speaker 2: Three Ugh, I just I couldn't. Like it's like literally

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Speaker 2: too much for my heart to take a three year old.

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Speaker 2: You know.

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Speaker 1: I used to teach preschool and kids would be hysterical

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Speaker 1: first day, second day, first week when their parents leave them,

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Speaker 1: and because you know, they're like, who's this person?

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Speaker 2: Who you know? And but at least you.

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Speaker 1: Know, parents knew, like I'm gonna be back. And I

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Speaker 1: would tell parents, like the first week, just do half

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Speaker 1: a dad, because it's very trup it's traumatizing for kids.

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Speaker 1: Or I would tell parents stay with them for a

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Speaker 1: little bit because kids don't know that you're coming back.

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Speaker 1: But to leave your child and you don't know that

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Speaker 1: you're coming back, you don't know that you ever see

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Speaker 1: them again, Like that's I'm like, am I crazy? Doesn't

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Speaker 1: it seem so crazy that you would literally take a

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Speaker 1: child from a parent. How are they going to find

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Speaker 1: them again? Like there are some camps where kids are

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Speaker 1: not even allowed to hug. Like these siblings were reunited

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Speaker 1: a man was was being interviewed on I think it

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Speaker 1: was like CNN Today, and he said he just quit

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Speaker 1: because he siblings were reunited and the older one, who

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Speaker 1: was like ten, was trying to comfort the younger ones

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Speaker 1: and they were hugging, and they told them there's no

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Speaker 1: hugging allowed here.

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Speaker 2: And I just couldn't. I just can't even.

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Speaker 1: And then the comments from some of the people in

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Speaker 1: the comments section like oh, oh, well.

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Speaker 2: You know, like just so heartless to children, to a

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Speaker 2: three year old, a three year old.

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Speaker 1: You know, I typically don't really believe in like evil evil,

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Speaker 1: but I really wonder, like, what is really happening that

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Speaker 1: you could see a crying three year old and have

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Speaker 1: no compassion.

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Speaker 2: Yeah, it's just it's crazy. I don't even.

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Speaker 3: I think that reaction is like how everyone's feeling right now.

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Speaker 3: Anybody with a heart and a soul has to be

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Speaker 3: feeling that way. I mean, you even have like Republicans

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Speaker 3: who are like, yo, man, this is too far. What's happening.

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Speaker 3: What kills me is that it's being politicized, Like, you know,

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Speaker 3: the current administration is sort of lying, actually lying. There's

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Speaker 3: several articles where they've actually fact checked what they're saying,

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Speaker 3: and they're lying when they say that these were because

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Speaker 3: of policies that the Democrats put in place, or that

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Speaker 3: this could all be fixed if Democrats, you know, would

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Speaker 3: do x ys zee in Congress. Right now, it's it's

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Speaker 3: not true, and it's like being it's being used as

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Speaker 3: a as leverage for the current administration. And and but

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Speaker 3: all you have to do to realize how sick it

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Speaker 3: is is just look at the images of these little

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Speaker 3: kids being I mean, it's so unnatural to think of

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Speaker 3: any little child being ripped away from their family, and

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Speaker 3: it's happening. It's it's happening right now. I think the

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Speaker 3: only bright spot is that it seems like something this

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Speaker 3: weekend lit a fire under the like the butts of

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Speaker 3: everybody in this country, and everyone's talking about it. The

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Speaker 3: pictures are getting out there. Gail King is down there

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Speaker 3: right now, like killing it. And she's in McCallan, Texas.

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Speaker 3: I was watching her just suffering in that humidity this

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Speaker 3: this morning, covering this story. And it's it's nice to

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Speaker 3: see at least that people are refusing to let this

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Speaker 3: let this fly. I mean, did you see Sarah Huckabee

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Speaker 3: Sanders like that incident in the White House Press briefing

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Speaker 3: room or that reporter I think he was from. Yeah,

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Speaker 3: and then yeah, it's so hard as a reporter, right

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Speaker 3: to like to separate your self. You're supposed to be objective, right,

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Speaker 3: But if you're a parent of a child, I understand

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Speaker 3: why you can get that emotional he was.

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Speaker 1: She was like, oh, you're just trying to get camera time,

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Speaker 1: but you could tell that he was just like yo,

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Speaker 1: as a parent, I mean, forget all the politics and

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Speaker 1: adults and stuff like if someone took your five year old,

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Speaker 1: took your five year old, what was like? You know,

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Speaker 1: I just can't even. I can't imagine someone taking my

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Speaker 1: nephew and being like, yeah, I don't so I don't

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Speaker 1: know when if you're ever gonna see him? Oh well,

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Speaker 1: I can't even. It's it's literally heartbreaking. I feel like

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Speaker 1: it's just yeah, I don't even know what to say,

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Speaker 1: because kids are like what what is a three year

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Speaker 1: old supposed to think?

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Speaker 2: What is it? Even a ten year old supposed to think? Like?

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Speaker 2: What am I like?

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Speaker 1: They were like kids were begging for their parents and

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Speaker 1: crying out and saying, well can you this One little

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Speaker 1: girl was like asking the man, you know can you

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Speaker 1: call my aunt?

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Speaker 2: She can come get me?

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Speaker 1: And he was like nope, and just like just and

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Speaker 1: then you heard about the man that sexually assaulted one

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Speaker 1: of the four year olds that was there and tried

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Speaker 1: to bribe mom. Not gonna say anything, I mean, what

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Speaker 1: is happening? Like, I mean, we had containment camps for

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Speaker 1: Japanese Americans. You know when we were fighting in World

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Speaker 1: War two? Was that World two or World War three? No,

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Speaker 1: where we're one, I think it's World War.

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Speaker 2: Two, And like it's just honestly, it's shameful.

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Speaker 3: I think the natural reaction is like, well, what can

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Speaker 3: we do about this? I think one one good thing

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Speaker 3: to do and it's something that I learned a while

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Speaker 3: back is when you hear about these like human rights cases,

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Speaker 3: the ACLU, the American Civil Liberties Union, that's the organization

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Speaker 3: that I support monthly with donations, and they are going

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Speaker 3: to be on the ground fighting for these people. They

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Speaker 3: were the same organization like among others that were out

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Speaker 3: there when there was the ban on Muslim flyers or sorry,

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Speaker 3: people from Muslim countries back when when Trump was first elected.

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Speaker 3: Remember that, like the ACLU is out there like try

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Speaker 3: and find human rights organizations or legal advocacy groups that

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Speaker 3: can help these families, because, honestly, if you're also just

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Speaker 3: curious about I mean immigration in the US, like what's

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Speaker 3: happening at the border is so complex, and it's true,

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Speaker 3: it's not just anything that's been caused by the current administration.

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Speaker 3: It's the result of like decades of people just not

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Speaker 3: getting it right or trying to get it right, and

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Speaker 3: things not working out in terms of immigration. But the

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Speaker 3: New York Times podcast The Daily had a really good,

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Speaker 3: like twenty five minute episode this morning that just talked

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Speaker 3: to one of their reporters about the history of what's

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Speaker 3: happening right now and how complex the rules are around

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Speaker 3: what happens to immigrants when they come undocumented immigrants when

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Speaker 3: they come to the border, and what they have to

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Speaker 3: say in order to seek asylum, and how what used

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Speaker 3: to be the norm is no longer been the norm

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Speaker 3: right now, and people are confused about it, and it's

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Speaker 3: just a whole, hot, steaming pile of mess. And I

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Speaker 3: hope that I hope that the heat and all the

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Speaker 3: attention is going to change things. I guess only time

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Speaker 3: will tell. In the meantime, that's how I'm choosing to

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Speaker 3: react to respond to it is I'm just gonna donate

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Speaker 3: to the a c ou and tweet my heart out

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Speaker 3: trying to share these stories.

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Speaker 1: Well, it's time to booster breaker, Booster a breaker, Booster

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Speaker 1: break what you're gonna do, I'm.

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Speaker 3: Gonna boost today. I'm trying to lift us up, lift

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Speaker 3: every voice that too. I went with Josh Grobin you

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Speaker 3: want Yeah, that's why we're a good team. I saw

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Speaker 3: a really cool story about this. I was surprised to

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Speaker 3: see it and then but in the New York Times.

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Speaker 3: But there is I know we've been talking about these

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Speaker 3: these groups where you can if you want to support

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Speaker 3: minority owned businesses. There were like these. There's usually like

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Speaker 3: some old kind of like registries where people will track

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Speaker 3: businesses owned by minorities. But the New York Times that

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Speaker 3: are really dope feature on this couple from Brooklyn who

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Speaker 3: have a website called Black Owned Brooklyn dot com, which

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Speaker 3: doesn't just like it's not just a list of own

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Speaker 3: big businesses owned by by black business owners, but it's

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Speaker 3: like an Instagram page where they actually do like little

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Speaker 3: mini features on the owners themselves and what their businesses.

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Speaker 3: And it's really dope. I think it's especially for a

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Speaker 3: place like Brooklyn, where it may be surprising to know that, oh, hey,

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Speaker 3: there is a black woman who owns a yarn shop

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Speaker 3: or an old lady who owns a hardware store or whatever.

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Speaker 3: So that was really cool.

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Speaker 2: Let me get there.

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Speaker 3: Let me make sure I get their names right. We

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Speaker 3: should have them on the show.

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Speaker 2: Yeah, that would be awesome.

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Speaker 3: Yeap oh, Cynthia, Gordie Guiwa and Glenn Allen started this together,

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Speaker 3: So good for y'all.

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Speaker 2: That's awesome.

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Speaker 1: I love I love hearing stuff like that own Brooklyn. Well,

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Speaker 1: my boost actually is going to be a former guest

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Speaker 1: that we had on the show.

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Speaker 2: I just saw her.

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Speaker 1: So I went to go get lashes done because my

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Speaker 1: makeup artist told me, if I have like two major

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Speaker 1: things coming up back to back, it would just be

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Speaker 1: easier to have lashes done to fun.

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Speaker 3: I do solash.

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Speaker 1: No, because I still had lashes from last time. A

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Speaker 1: filling is forty dollars, and I said, oh, that's nice

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Speaker 1: to know. And so I when I walked in, I

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Speaker 1: recognized that familiar face, Lynette how Bonnie Cox.

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Speaker 2: She was getting her hair done.

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Speaker 3: I can only imagine the squeals yes.

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Speaker 1: And I was like Oh my gosh, Linnea is so honestly,

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Speaker 1: she is just like goals for sotified, you know. So

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Speaker 1: we were just talking too, and so actually today is

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Speaker 1: her son's graduation. He's graduating from I don't know if

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Speaker 1: he's graduated I think high school. And then her daughter,

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Speaker 1: who she insisted that I meet, and she's so adorable

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Speaker 1: of course, like just so well mannered, just amazing, and

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Speaker 1: her daughter has one where year left. She's graduating a

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Speaker 1: semester early from college because why not, You're Lynnette's daughter,

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Speaker 1: And then her.

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Speaker 2: And then her mom was there.

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Speaker 1: It was just honestly, she's just Lynette is just awesome,

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Speaker 1: and she just left me with like Lynette always leaves

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Speaker 1: me with something to think about of how it could

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Speaker 1: be better. Like she wasn't trying to teach a lesson,

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Speaker 1: but it had me really thinking. So we were just

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Speaker 1: talking about, like, you know, like what I've been up

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Speaker 1: to and whatever, and Lynette always always always asked how

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Speaker 1: she can help me. Like the first time I've ever

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Speaker 1: been on TV, which is like pix eleven News in

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Speaker 1: New York, it was her. I met her at a

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Speaker 1: conference for Black Enterprise. I squealed when I met her

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Speaker 1: and I was like, oh my gosh, my gosh, my gosh,

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Speaker 1: I love you.

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Speaker 2: You you know, like you're such like, you know, a

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Speaker 2: role model.

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Speaker 1: And she lives not far from where my parents live,

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Speaker 1: like a neighboring town, and she was like I told her,

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Speaker 1: She said, are you going back to you know, New

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Speaker 1: Jersey because the conference was in New York And I

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Speaker 1: said yeah. She said, well I drove. Do you want

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Speaker 1: to ride this woman who I didn't know who I

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Speaker 1: was idolizing And I was like, oh my god, yes.

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Speaker 1: So there was a lot of traffic and she just

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Speaker 1: ended up pouring so much into me, just like asking

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Speaker 1: me what I was working on and just giving me tips.

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Speaker 1: She became my mentor that day. And then she asked

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Speaker 1: me in the car, have you ever been on TV?

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Speaker 1: And I was like no.

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Speaker 2: She's like, do you want to be?

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Speaker 1: I was like, uh, yeah, but I don't, you know,

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Speaker 1: like yeah. She made a phone call. She was supposed

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Speaker 1: to be on pix eleven News to do like five

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Speaker 1: tips on whatever, and she said instead of me, I'm

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Speaker 1: going to send a replacement basically oh, I mean yeah,

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Speaker 1: and so and then from there like it just was

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Speaker 1: like on and popping, you know, Drina of course helped

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Speaker 1: me get ready, and but Lynette too did so much

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Speaker 1: coaching with me.

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Speaker 2: She honestly is just amazing.

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Speaker 1: But the thing, the reason why I'm giving her the

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Speaker 1: boost today is because she said something that that kind

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Speaker 1: of like made me reflect and say, you know what, okay,

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Speaker 1: I hear you. And she said she was asking me

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Speaker 1: about some partnership that I had and asking me how

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Speaker 1: it was going, and I said well, and she was

401
00:18:55,040 --> 00:18:57,720
Speaker 1: telling me, you know, you should be pushing them to

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Speaker 1: pay you more than what they pay me. And I

403
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Speaker 1: was like what, and she was like, Tiffany, the purpose

404
00:19:03,400 --> 00:19:07,120
Speaker 1: of the people who come before you is to lay

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Speaker 1: the foundation so you can have more and better. And

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Speaker 1: your purpose is to lay the foundation and to help

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Speaker 1: the ones coming behind you so they can do better

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Speaker 1: than you. And I just remember thinking that was so

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Speaker 1: profound that she was like, cause you know, people don't

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Speaker 1: do that in business, like, oh girl, make them pay

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Speaker 1: you more because you got this, I don't have the

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Speaker 1: audience that you have.

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Speaker 2: Make them pay you more. And I was just I

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Speaker 2: was just blown away by that.

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Speaker 1: And I thought to myself, Lynette is goals in so

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Speaker 1: many ways, Like, you know, she's beautiful she's got amazing families,

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Speaker 1: she's kind, you know, she's smart, she's but then just

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Speaker 1: that component of her always giving Lynette, the fact that

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Speaker 1: she gave me her spot on TV, but that comes

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Speaker 1: from someone who was so I guess, so well situated

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Speaker 1: in knowing what they bring to the table, that they

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Speaker 1: know that they're not giving away anything. They're making space

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Speaker 1: for you because no one can take anything from Nette.

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Speaker 1: She's amazing, And I want to get to that space

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Speaker 1: where like not to say I don't give, because I do,

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Speaker 1: but I would have never thought about it like that that,

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Speaker 1: like you know that push people who are coming up,

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Speaker 1: you know, behind me to make more than me. You know,

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00:20:13,680 --> 00:20:16,920
Speaker 1: that's not a natural inclination for me. And so yeah,

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Speaker 1: I just want to give her a boost because you

431
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Speaker 1: don't meet too many people like that. And she's amazing,

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Speaker 1: and you know, in this dark and dreary world, there

433
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Speaker 1: is sunshine like Lynette called Donny Cox.

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Speaker 2: She's aka the money Coach and she's amazing.

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Speaker 3: Love her, y'all should go back. I just want and

436
00:20:31,160 --> 00:20:34,119
Speaker 3: checked to see which episode it was. Go back all

437
00:20:34,160 --> 00:20:37,200
Speaker 3: the way back to January third, twenty eighteen, episode one

438
00:20:37,200 --> 00:20:39,280
Speaker 3: oh nine to hear I think this is one of

439
00:20:39,320 --> 00:20:42,000
Speaker 3: our biggest episodes of the year. Actually when Lynette was

440
00:20:42,080 --> 00:20:44,440
Speaker 3: on and talked about how to rock your salary negotiation

441
00:20:44,680 --> 00:20:45,720
Speaker 3: in twenty eighteen.

442
00:20:57,640 --> 00:20:59,840
Speaker 1: So now that we've done our boosts, which I'm glad

443
00:20:59,840 --> 00:21:01,080
Speaker 1: that we did boost in stead of break because you

444
00:21:01,119 --> 00:21:01,720
Speaker 1: need a little.

445
00:21:01,520 --> 00:21:03,760
Speaker 2: Boost, it's time to boost you boo.

446
00:21:04,359 --> 00:21:07,439
Speaker 1: Do you have a question on you know, financial related

447
00:21:07,520 --> 00:21:11,480
Speaker 1: finance adjacent maybe a career related career adjacent We'd love

448
00:21:11,520 --> 00:21:13,719
Speaker 1: to hear from you. You can always go to our

449
00:21:13,720 --> 00:21:18,160
Speaker 1: website Briannambison dot com. Wait brownimbishon podcast dot com. Yes,

450
00:21:18,200 --> 00:21:21,359
Speaker 1: ma'am Brown Ambition podcast dot com. I said it was

451
00:21:21,400 --> 00:21:25,600
Speaker 1: confidence that a click ask us anything, or you can

452
00:21:25,640 --> 00:21:29,080
Speaker 1: email us at DBA podcast at gmail dot com.

453
00:21:29,240 --> 00:21:34,760
Speaker 3: Clue, nope, cod crash and burn set you up for failure,

454
00:21:35,160 --> 00:21:35,560
Speaker 3: you did.

455
00:21:35,800 --> 00:21:37,280
Speaker 1: I was hoping you were gonna fill it in and

456
00:21:37,280 --> 00:21:40,919
Speaker 1: Mandy was like, h.

457
00:21:40,359 --> 00:21:42,639
Speaker 3: Well, usually I do the intro for the questions, but

458
00:21:42,760 --> 00:21:45,600
Speaker 3: it's cool. You want to take the rains today, so

459
00:21:45,800 --> 00:21:46,600
Speaker 3: see what happens.

460
00:21:46,680 --> 00:21:50,040
Speaker 2: Be trying to drive. I know that's where happy want

461
00:21:50,080 --> 00:21:50,720
Speaker 2: to get lashes.

462
00:21:52,760 --> 00:21:56,479
Speaker 3: I can hear them from here, just like you can

463
00:21:56,560 --> 00:21:59,720
Speaker 3: hit us up at Brandnambition podcasts at gmail dot com.

464
00:22:00,080 --> 00:22:03,800
Speaker 3: Your questions, which I am going to read a couple now.

465
00:22:04,160 --> 00:22:07,320
Speaker 3: Thank you guys for sending in some awesome questions. Here's

466
00:22:07,359 --> 00:22:09,080
Speaker 3: a good one that we have. I don't think we've

467
00:22:09,119 --> 00:22:11,840
Speaker 3: talked much about personal loans before, but here's a good

468
00:22:11,840 --> 00:22:15,160
Speaker 3: one from someone who wishes to remain anonymous. She says,

469
00:22:15,200 --> 00:22:18,960
Speaker 3: what are your thoughts on personal loan companies like Upstart?

470
00:22:19,160 --> 00:22:21,560
Speaker 3: Would it be smart to do a personal loan to

471
00:22:21,600 --> 00:22:24,679
Speaker 3: build credit or to do a credit builder loan like

472
00:22:24,800 --> 00:22:29,600
Speaker 3: from a company like self lender? Thank you, So it

473
00:22:29,640 --> 00:22:32,200
Speaker 3: seems like she's thinking about so. One of the most

474
00:22:32,280 --> 00:22:36,600
Speaker 3: reason common reasons people take out a personal loan is

475
00:22:36,640 --> 00:22:40,760
Speaker 3: to consolidate debt, where you basically take out a personal

476
00:22:40,800 --> 00:22:43,080
Speaker 3: loan from like a bank, a credit union, online lender,

477
00:22:43,119 --> 00:22:45,560
Speaker 3: and you use that loan to pay off you know,

478
00:22:45,920 --> 00:22:48,200
Speaker 3: two or more different types of debt and then you

479
00:22:48,400 --> 00:22:51,200
Speaker 3: left with one new loan. And the good thing about

480
00:22:51,240 --> 00:22:54,199
Speaker 3: personal loans is that they come with a fixed interest

481
00:22:54,280 --> 00:22:56,280
Speaker 3: rate versus a credit card, when your interest rate can

482
00:22:56,359 --> 00:22:58,680
Speaker 3: change all the time. So they have a fixed rate,

483
00:22:59,119 --> 00:23:01,960
Speaker 3: and because you're is fixed, they can tell you exactly

484
00:23:01,960 --> 00:23:04,000
Speaker 3: how much your monthly payments are going to be for

485
00:23:04,080 --> 00:23:06,640
Speaker 3: the term of your loan. So yeah, the three year,

486
00:23:06,880 --> 00:23:09,640
Speaker 3: five year personal loan. They'll tell you here's your monthly payments,

487
00:23:09,880 --> 00:23:12,160
Speaker 3: you know, for the entire time, and you know exactly

488
00:23:12,240 --> 00:23:15,240
Speaker 3: when you're gonna pay it off. But self lender. Have

489
00:23:15,280 --> 00:23:16,720
Speaker 3: we talked about self lender.

490
00:23:16,520 --> 00:23:17,720
Speaker 2: Before we did?

491
00:23:17,960 --> 00:23:20,359
Speaker 3: It's like a credit builder option. So this is a

492
00:23:20,359 --> 00:23:23,119
Speaker 3: little bit different. So maybe she's just looking to do

493
00:23:23,160 --> 00:23:24,879
Speaker 3: you want to talk about how it's different than a

494
00:23:24,920 --> 00:23:26,120
Speaker 3: regular lender.

495
00:23:26,200 --> 00:23:29,160
Speaker 1: Yes, and I self lender might actually lend you money

496
00:23:29,160 --> 00:23:31,600
Speaker 1: to but what the self lender That the part that

497
00:23:31,640 --> 00:23:34,479
Speaker 1: I'm familiar with is with self lender. Literally, the purpose

498
00:23:34,480 --> 00:23:39,320
Speaker 1: of self lender is to just show credit bureaus.

499
00:23:39,119 --> 00:23:42,840
Speaker 2: Hey, I pay back an installment loan.

500
00:23:43,200 --> 00:23:46,359
Speaker 1: So self lender says, hey, I always tell people, if

501
00:23:46,359 --> 00:23:47,960
Speaker 1: you're going to do self lender, take the lowest amount,

502
00:23:48,000 --> 00:23:51,359
Speaker 1: which I think is like five hundred bucks. Hey, you know,

503
00:23:51,480 --> 00:23:53,879
Speaker 1: I'm telling the credit viewers, I'm borrowing five hundred bucks. Hey,

504
00:23:53,960 --> 00:23:56,000
Speaker 1: look at me. You borrow the five hundred But the

505
00:23:56,160 --> 00:23:58,560
Speaker 1: self lender doesn't actually give you the five hundred They

506
00:23:58,560 --> 00:24:00,760
Speaker 1: put it in like a money market account for you,

507
00:24:00,760 --> 00:24:02,960
Speaker 1: like a savings account for you and then you pay

508
00:24:03,040 --> 00:24:05,040
Speaker 1: every month. So I think it's like, I don't know,

509
00:24:05,480 --> 00:24:08,159
Speaker 1: seventeen bucks or whatever five hundred divided by.

510
00:24:09,040 --> 00:24:09,760
Speaker 2: Twelve months is.

511
00:24:10,080 --> 00:24:13,359
Speaker 1: So you pay that every month, and then at the

512
00:24:13,520 --> 00:24:16,480
Speaker 1: end it looks like one you made twelve consistent months

513
00:24:16,480 --> 00:24:18,440
Speaker 1: worth of payment, and then it looks like you also

514
00:24:18,520 --> 00:24:20,920
Speaker 1: paid off an installment loan and so you get your

515
00:24:20,920 --> 00:24:23,119
Speaker 1: boost and then they give you a five hundred dollars

516
00:24:23,200 --> 00:24:23,720
Speaker 1: because you know.

517
00:24:23,680 --> 00:24:26,040
Speaker 2: You're literally paying in and then you get it back.

518
00:24:26,080 --> 00:24:28,560
Speaker 1: So it's like a it's a credit building loan, but

519
00:24:28,600 --> 00:24:30,760
Speaker 1: also like a little mini savings and you know, you

520
00:24:30,800 --> 00:24:34,439
Speaker 1: get like whatever little bit of interests like ten cents,

521
00:24:34,480 --> 00:24:36,320
Speaker 1: you know, the same interest you get from a regular bank.

522
00:24:36,560 --> 00:24:40,360
Speaker 1: And I think the fee is it's fairly low. I'd

523
00:24:40,400 --> 00:24:41,760
Speaker 1: have to look again, but last time I took us

524
00:24:41,760 --> 00:24:44,760
Speaker 1: to the view was nice. It's nine dollars, okay, so

525
00:24:44,760 --> 00:24:47,600
Speaker 1: it's not you know, it's not a crazy fee. And honestly,

526
00:24:47,600 --> 00:24:49,240
Speaker 1: I've got really good feedback. So I've shared it with

527
00:24:49,320 --> 00:24:51,159
Speaker 1: dream catchers before because I did a little research on

528
00:24:51,200 --> 00:24:53,560
Speaker 1: them for a few months to see, you know, like,

529
00:24:53,640 --> 00:24:55,760
Speaker 1: you know, whether it was something that I could share

530
00:24:55,840 --> 00:24:58,920
Speaker 1: and honestly, it's it's been two years or a year

531
00:24:58,920 --> 00:25:01,639
Speaker 1: and a half at least that I've known dreamcatchers been

532
00:25:01,720 --> 00:25:05,440
Speaker 1: using self Lender, and I would say the reviews are

533
00:25:05,720 --> 00:25:10,840
Speaker 1: ninety five percent really good, maybe like one percent where

534
00:25:10,840 --> 00:25:13,520
Speaker 1: it's like I didn't like it. My score dropped, and

535
00:25:13,560 --> 00:25:15,119
Speaker 1: I'm like, well did you pay, ma'am, because you know,

536
00:25:15,160 --> 00:25:16,800
Speaker 1: people be telling you the score drop, they didn't tell

537
00:25:16,800 --> 00:25:19,720
Speaker 1: you they pay. And then maybe like four percent. My

538
00:25:19,800 --> 00:25:23,119
Speaker 1: score didn't really move that much. So I've heard like,

539
00:25:23,160 --> 00:25:26,000
Speaker 1: you know, nothing but kind of like good feedback. So yeah,

540
00:25:26,000 --> 00:25:27,520
Speaker 1: so it depends what you're trying to do. If you're

541
00:25:27,560 --> 00:25:30,080
Speaker 1: trying to pay off debt, then I don't think self

542
00:25:30,160 --> 00:25:32,119
Speaker 1: lender necessarily will let you do that. If you're just

543
00:25:32,119 --> 00:25:34,760
Speaker 1: trying to raise your credit score, then you know, self

544
00:25:34,800 --> 00:25:36,560
Speaker 1: lender is something you could definitely look into.

545
00:25:37,400 --> 00:25:39,600
Speaker 3: Yeah, very interesting. So it's not like anything like a

546
00:25:39,600 --> 00:25:42,760
Speaker 3: traditional personal loan where you can just take it out

547
00:25:42,800 --> 00:25:44,760
Speaker 3: and get the money, you know, in a day or two.

548
00:25:46,600 --> 00:25:51,440
Speaker 3: All right, thank you for the question, Anonymous, whoever you are,

549
00:25:52,560 --> 00:25:56,720
Speaker 3: whoever you are? Next question comes from listener Tie. She says,

550
00:25:56,800 --> 00:26:00,280
Speaker 3: I have been reading Ben Bernanke's prediction for twenty twenty

551
00:26:00,359 --> 00:26:04,280
Speaker 3: financial crisis. Don't don't, dun't, And now I'm shook BURNANKI.

552
00:26:04,400 --> 00:26:06,480
Speaker 3: And he's not the only one side note, this is me,

553
00:26:06,600 --> 00:26:08,679
Speaker 3: Mandy talking. He's not the only one who's predicting a

554
00:26:08,680 --> 00:26:11,520
Speaker 3: twenty and twenty financial crisis. Like, if you've noticed there's

555
00:26:11,560 --> 00:26:13,720
Speaker 3: been all these headlines, you know, people are saying the

556
00:26:13,760 --> 00:26:17,200
Speaker 3: big ones coming in twenty twenty. Anyway, back to Ty,

557
00:26:17,720 --> 00:26:20,800
Speaker 3: she says, he mentioned how with the unemployment being so low,

558
00:26:21,160 --> 00:26:25,000
Speaker 3: Trump's stimpulus stimulus package could cause an economic downturn. Blah

559
00:26:25,040 --> 00:26:27,960
Speaker 3: blah blah. I currently live in expensive New York City

560
00:26:28,000 --> 00:26:30,000
Speaker 3: with my husband, and we have been discussing a move

561
00:26:30,040 --> 00:26:32,800
Speaker 3: to the south, maybe Georgia in North Carolina and Virginia

562
00:26:33,480 --> 00:26:35,720
Speaker 3: in the next year or so. But now I'm concerned.

563
00:26:35,800 --> 00:26:37,960
Speaker 3: Do you too have any advice for preparing for a

564
00:26:38,000 --> 00:26:41,359
Speaker 3: potential downturn and perhaps holding off on a move. I

565
00:26:41,400 --> 00:26:43,240
Speaker 3: want to make sure any move that we make will

566
00:26:43,240 --> 00:26:47,560
Speaker 3: be beneficial and not leave us in a financial bind. Mm.

567
00:26:49,160 --> 00:26:52,359
Speaker 1: Well, here's what I mean. You don't want to live

568
00:26:52,400 --> 00:26:55,879
Speaker 1: your life in like a bunker, you know what I mean? Like,

569
00:26:56,640 --> 00:26:58,960
Speaker 1: I think I think you should prepare just.

570
00:26:58,880 --> 00:27:03,000
Speaker 2: In general, like to me in knowing what I know now, Like.

571
00:27:02,960 --> 00:27:06,560
Speaker 1: If I pre recession, Tiffany anything, what I would have

572
00:27:06,560 --> 00:27:10,680
Speaker 1: probably told her is I would have I was actually

573
00:27:10,720 --> 00:27:12,159
Speaker 1: pretty good at saving. I would have said, you know,

574
00:27:12,200 --> 00:27:14,080
Speaker 1: continue to save, you save a good amount of money.

575
00:27:15,520 --> 00:27:20,600
Speaker 1: I would have said, pay down debt, because there's nothing

576
00:27:20,640 --> 00:27:22,800
Speaker 1: worse than when you're in financial crisis to also have

577
00:27:22,840 --> 00:27:26,520
Speaker 1: to pay debt on top of bills. I would also too,

578
00:27:26,800 --> 00:27:31,159
Speaker 1: not necessarily that I would have cut back on expenses,

579
00:27:31,359 --> 00:27:33,520
Speaker 1: but I would always have and I have that now.

580
00:27:33,600 --> 00:27:36,320
Speaker 1: I always have like a how we're living now budget

581
00:27:36,600 --> 00:27:39,240
Speaker 1: and how we could live if things got tight budget,

582
00:27:40,280 --> 00:27:41,880
Speaker 1: you know, so kind of like so like right now,

583
00:27:41,920 --> 00:27:43,320
Speaker 1: you know things are not tight. So my husband and

584
00:27:43,320 --> 00:27:45,120
Speaker 1: I were like, oh, okay, you know whole foods it is.

585
00:27:45,520 --> 00:27:48,160
Speaker 1: And then I have a ooh if things get tight, hey, shot, Brian,

586
00:27:48,200 --> 00:27:48,920
Speaker 1: what you're doing girl?

587
00:27:49,359 --> 00:27:52,560
Speaker 2: You know? So I know those numbers, So those are

588
00:27:52,600 --> 00:27:53,159
Speaker 2: kind of like the thing.

589
00:27:53,200 --> 00:27:54,760
Speaker 1: So I don't believe that you should be living for

590
00:27:54,800 --> 00:27:57,920
Speaker 1: this fearful like factor, but you know, keeping in mind

591
00:27:57,960 --> 00:27:59,280
Speaker 1: that at any time anything can happen.

592
00:27:59,359 --> 00:28:01,640
Speaker 2: So that's what I would say, safe, pay down debt,

593
00:28:01,920 --> 00:28:02,359
Speaker 2: and I.

594
00:28:02,320 --> 00:28:04,440
Speaker 1: Like to, I like to have two versions of my budget,

595
00:28:04,520 --> 00:28:06,159
Speaker 1: just so I'm aware of, Like, if I had to,

596
00:28:06,520 --> 00:28:08,280
Speaker 1: what would we what would I I like to know

597
00:28:08,280 --> 00:28:11,159
Speaker 1: what my financial baseline, What would I absolutely have to

598
00:28:11,200 --> 00:28:12,879
Speaker 1: make in order to make my life happen?

599
00:28:13,920 --> 00:28:16,240
Speaker 3: Yeah, I agree. I think planning from a place of

600
00:28:16,359 --> 00:28:19,320
Speaker 3: fear is good in small doses. Like I struggle with

601
00:28:19,359 --> 00:28:22,399
Speaker 3: this too, how to being a little bit too pessimistic about,

602
00:28:22,760 --> 00:28:24,960
Speaker 3: you know, my future when it comes to my finances,

603
00:28:25,000 --> 00:28:26,320
Speaker 3: and that makes me want to like hold on to

604
00:28:26,440 --> 00:28:28,840
Speaker 3: cash and not take any risks, which is bad because

605
00:28:28,840 --> 00:28:31,160
Speaker 3: like long term, it's better to try, you know, put

606
00:28:31,160 --> 00:28:33,320
Speaker 3: your money in the market because you have a lot

607
00:28:33,320 --> 00:28:34,760
Speaker 3: of years ahead of you and all that, so you

608
00:28:34,760 --> 00:28:39,040
Speaker 3: can afford to take some risk. I think it's we

609
00:28:39,080 --> 00:28:41,160
Speaker 3: all kind of lived through the last recession. I think

610
00:28:41,200 --> 00:28:44,960
Speaker 3: we've all experienced had our own. Everyone's got a recession story.

611
00:28:45,000 --> 00:28:47,080
Speaker 3: Everyone got kicked on their butt in some way, shape

612
00:28:47,160 --> 00:28:50,440
Speaker 3: or form. So I get while I I'm right there

613
00:28:50,480 --> 00:28:52,320
Speaker 3: with you, Like, I also just bought a house, and

614
00:28:52,360 --> 00:28:54,239
Speaker 3: I want to know, oh shit, did I buy at

615
00:28:54,240 --> 00:28:55,680
Speaker 3: the top of the market. We're about to hit another

616
00:28:55,720 --> 00:29:00,560
Speaker 3: housing crisis? What's happening? But I fortunately sit next to

617
00:29:00,640 --> 00:29:03,840
Speaker 3: a mortgage economist, So anytime I am afraid of the

618
00:29:03,880 --> 00:29:05,560
Speaker 3: market or what's happening, I just kind of go to

619
00:29:05,600 --> 00:29:09,280
Speaker 3: my buddy Tenda, and I'm like, so, please espash my fears.

620
00:29:10,240 --> 00:29:13,040
Speaker 3: The likelihood that we're going to have a recession like

621
00:29:13,080 --> 00:29:15,680
Speaker 3: the last one, it's pretty slim because that one was

622
00:29:15,760 --> 00:29:18,600
Speaker 3: driven by, in a lot of ways, just a lot

623
00:29:18,600 --> 00:29:22,280
Speaker 3: of bad acting in the mortgage industry, which due to

624
00:29:22,360 --> 00:29:24,920
Speaker 3: regulations that have been put in place, like aren't you know,

625
00:29:25,080 --> 00:29:29,400
Speaker 3: as possible anymore? Now the current administration could change that,

626
00:29:29,480 --> 00:29:33,080
Speaker 3: who knows, but I wouldn't plan your life around it.

627
00:29:33,160 --> 00:29:36,360
Speaker 3: And I feel like it's smart to think about moving

628
00:29:36,400 --> 00:29:40,400
Speaker 3: because moving is expensive. But you're talking about moving from

629
00:29:40,480 --> 00:29:43,080
Speaker 3: a really expensive place to a not so expensive place,

630
00:29:43,640 --> 00:29:46,760
Speaker 3: So think about how that would reduce your risk. You know,

631
00:29:46,880 --> 00:29:49,960
Speaker 3: if there were something, if you know, let's say another

632
00:29:50,000 --> 00:29:53,520
Speaker 3: downturn happens, at least you'd be in Georgia, where you know,

633
00:29:54,400 --> 00:29:57,880
Speaker 3: I can attest it's very nice in Georgia, nice and affordable,

634
00:29:58,400 --> 00:30:00,160
Speaker 3: versus being in a city like New York, where it's

635
00:30:00,200 --> 00:30:03,760
Speaker 3: really tough to live here when things get bad. And yeah,

636
00:30:04,720 --> 00:30:06,800
Speaker 3: like in terms of oh, go ahead.

637
00:30:06,680 --> 00:30:08,280
Speaker 1: Now, as I say, because you're right New York. It's

638
00:30:08,320 --> 00:30:10,880
Speaker 1: like what like, no matter what happens, new York, New

639
00:30:10,960 --> 00:30:11,720
Speaker 1: York is expensive.

640
00:30:11,800 --> 00:30:12,640
Speaker 2: That's just it just is.

641
00:30:13,200 --> 00:30:16,240
Speaker 3: Yeah, And you and your savings will go a lot

642
00:30:16,320 --> 00:30:18,320
Speaker 3: further in a place like Georgia. So while you're making

643
00:30:18,320 --> 00:30:20,480
Speaker 3: this New York City money, if you start putting away

644
00:30:20,520 --> 00:30:22,680
Speaker 3: your savings, just think how much more is this money

645
00:30:22,720 --> 00:30:24,720
Speaker 3: going to be worth? And I'm just saying Georgia, but

646
00:30:24,800 --> 00:30:26,720
Speaker 3: she mentions like in the South. Just think how much

647
00:30:26,760 --> 00:30:28,800
Speaker 3: more your money, your savings right now will be worth

648
00:30:28,880 --> 00:30:32,200
Speaker 3: once your cost of living is decreased by moving down south.

649
00:30:32,200 --> 00:30:34,360
Speaker 3: And I would take advantage of especially if you think

650
00:30:34,400 --> 00:30:36,760
Speaker 3: you'll have to take a price cut by moving to

651
00:30:36,800 --> 00:30:40,280
Speaker 3: the South, which could be the case, uh, just because

652
00:30:40,280 --> 00:30:42,560
Speaker 3: the costs of living is so much longer than typically

653
00:30:42,600 --> 00:30:45,440
Speaker 3: salaries and wages are too. If you think you're going

654
00:30:45,480 --> 00:30:47,760
Speaker 3: to take a price cut, then start saving aggressively now.

655
00:30:48,280 --> 00:30:50,000
Speaker 3: Then you'll have money in the bank when you go

656
00:30:50,080 --> 00:30:51,960
Speaker 3: down there. And you know, you have a nice little cushion,

657
00:30:52,360 --> 00:30:55,560
Speaker 3: because there's no better protection against the un the you know,

658
00:30:55,640 --> 00:31:00,800
Speaker 3: the unforseeable than a nice healthy emergency fund. And you know,

659
00:31:00,840 --> 00:31:02,440
Speaker 3: if you make sure you have jobs set up when

660
00:31:02,440 --> 00:31:05,240
Speaker 3: you're down there, and you don't buy a mc mansion

661
00:31:05,400 --> 00:31:08,280
Speaker 3: just because you're two hundred thousand dollars here is worth

662
00:31:08,280 --> 00:31:12,040
Speaker 3: a million in Georgia as long as you make as

663
00:31:12,040 --> 00:31:14,720
Speaker 3: long as you don't make you know, those types of mistakes.

664
00:31:14,760 --> 00:31:17,200
Speaker 3: And I think that I think that you you guys

665
00:31:17,240 --> 00:31:19,520
Speaker 3: will be fine. You know that being said without knowing

666
00:31:19,520 --> 00:31:21,600
Speaker 3: anything else about your financial situation.

667
00:31:22,200 --> 00:31:24,680
Speaker 1: Yeah, you know, I just I it's one of the reasons, honestly,

668
00:31:24,760 --> 00:31:26,840
Speaker 1: Like people ask like, why do you live so simply Tiffany,

669
00:31:26,880 --> 00:31:28,840
Speaker 1: I was like, well, one, huh, I've been there where

670
00:31:28,880 --> 00:31:31,160
Speaker 1: I'm like, yikes, well, you know, have you ever done

671
00:31:31,160 --> 00:31:33,440
Speaker 1: this many? I don't know if you've ever you know,

672
00:31:33,800 --> 00:31:36,080
Speaker 1: had and then like lost it and you start thinking

673
00:31:36,080 --> 00:31:37,680
Speaker 1: about every little part that you've made when you used

674
00:31:37,680 --> 00:31:39,479
Speaker 1: to have You're like, oh, I shouldn't have got them shoes.

675
00:31:39,560 --> 00:31:41,760
Speaker 2: Dang that McDonald's burger. I didn't even need all that

676
00:31:42,200 --> 00:31:43,720
Speaker 2: because you're thinking about adding.

677
00:31:43,480 --> 00:31:45,400
Speaker 1: Up all those little coins that you can use right

678
00:31:45,400 --> 00:31:47,960
Speaker 1: now where you don't have anything. But I just told

679
00:31:48,000 --> 00:31:51,160
Speaker 1: myself that I didn't want that to happen again, that

680
00:31:51,200 --> 00:31:54,080
Speaker 1: I was going to live well below my means, so

681
00:31:54,160 --> 00:31:56,200
Speaker 1: that way, you know, it's just should something happen that

682
00:31:56,760 --> 00:32:00,040
Speaker 1: I have, I have the space to recover, like I

683
00:32:00,080 --> 00:32:02,200
Speaker 1: have enough for a year to be like, okay, exyphany

684
00:32:02,600 --> 00:32:04,520
Speaker 1: everything has fallen apart, but we have a year to

685
00:32:04,520 --> 00:32:07,080
Speaker 1: figure it out, you know, yeah, exactly.

686
00:32:07,880 --> 00:32:11,920
Speaker 3: Yeah, So hang in there, tie and don't stress. I

687
00:32:11,960 --> 00:32:14,360
Speaker 3: love that you're paying attention, but don't let the headlines.

688
00:32:14,400 --> 00:32:16,800
Speaker 3: And honestly, you know what, sometimes these people write these

689
00:32:16,800 --> 00:32:18,960
Speaker 3: books and they come out with these headlines because they

690
00:32:18,960 --> 00:32:20,960
Speaker 3: want to get clicks, they want to get readership, and

691
00:32:21,000 --> 00:32:24,200
Speaker 3: of course being dramatic, as we know, is rewarded in

692
00:32:24,200 --> 00:32:26,800
Speaker 3: our country. So take it with a grain of salt.

693
00:32:27,040 --> 00:32:28,800
Speaker 3: No one can predict the future one hundred percent.

694
00:32:30,040 --> 00:32:31,000
Speaker 2: You gotta do you boo.

695
00:32:31,760 --> 00:32:48,360
Speaker 4: Yeah, ah a, y'all until next week, stay brown, stay ambitious.

696
00:32:48,400 --> 00:32:54,520
Speaker 2: Oh I'm gonna end like that every time. Okay, until

697
00:32:54,520 --> 00:32:54,960
Speaker 2: I forget.

698
00:32:55,000 --> 00:32:56,360
Speaker 3: You get all the good cash lines.

699
00:32:57,280 --> 00:32:58,600
Speaker 2: Well you can end with it. You can end it

700
00:32:58,600 --> 00:32:59,560
Speaker 2: with that. Okay, we'll do it again.

701
00:32:59,720 --> 00:33:00,760
Speaker 3: No, I'm a team player.

702
00:33:00,800 --> 00:33:01,120
Speaker 2: It's fine.

703
00:33:01,160 --> 00:33:01,600
Speaker 3: I'm kidding.

704
00:33:02,360 --> 00:33:04,040
Speaker 1: And you know I'm gonna forget first of all, because

705
00:33:04,200 --> 00:33:06,280
Speaker 1: I only remember the stories that I tell twenty times.

706
00:33:06,280 --> 00:33:08,440
Speaker 3: I don't remember what I was thinking, but I didn't

707
00:33:08,440 --> 00:33:14,040
Speaker 3: say it. I'm sure you will. You will, let's say

708
00:33:14,080 --> 00:33:14,920
Speaker 3: go catchphrase.

709
00:33:16,160 --> 00:33:17,840
Speaker 2: Is he gonna be like I'm telling you already. I'm

710
00:33:17,840 --> 00:33:19,200
Speaker 2: gonna be like, what did I say last week? Mandy?

711
00:33:19,240 --> 00:33:20,800
Speaker 1: I'm like with Meanwhile, tell me to tell you a

712
00:33:20,840 --> 00:33:23,560
Speaker 1: story from nineteen seventy five, and I'm like, gotcha.

713
00:33:25,880 --> 00:33:26,160
Speaker 2: All right?

714
00:33:26,720 --> 00:33:27,560
Speaker 3: Lovely lashes on