WEBVTT - EP. 132 — This is America?

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<v Speaker 1>Hey, hey, hey.

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<v Speaker 2>Hi, I'm fippity hi.

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<v Speaker 3>I'm melting Mandy.

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<v Speaker 2>Melting many in here and this is around. Let's do

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<v Speaker 2>a quick recap last week's show.

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<v Speaker 3>Oh, last week's show was major, huge, one of our

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<v Speaker 3>biggest shows of the year.

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<v Speaker 2>Huge, y'all liked it.

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<v Speaker 3>We had the unbelievable couple Leo and Faith from Hotlanta

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<v Speaker 3>on the show to talk about paying off like over

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<v Speaker 3>one hundred thousand dollars worth of debt. I was really

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<v Speaker 3>happy that people connected with the show as much as

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<v Speaker 3>I wanted them to, because it's not just like the

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<v Speaker 3>fact that they paid off debt. It's just they's such

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<v Speaker 3>a sweet couple with such good intentions, and I just

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<v Speaker 3>loved how they took their debt straight on and got

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<v Speaker 3>a lot of love for that episode on social media

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<v Speaker 3>and everything. So thank you guys, and go check it

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<v Speaker 3>out if you haven't listened to it yet.

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<v Speaker 1>Yeah, they were just so they were super cute. I

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<v Speaker 1>was like, oh, my goodness, you know, a year in,

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<v Speaker 1>I feel like, you know, it's so crazy how so

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<v Speaker 1>many people, you know, stuff is aligned.

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<v Speaker 2>You're like, oh, we're all like one year in. I mean,

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<v Speaker 2>you have a year and some change.

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<v Speaker 1>Man, you know, you ain't new at this, you know,

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<v Speaker 1>you got to beat back a few months.

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<v Speaker 2>But yeah, it was a really great episode.

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<v Speaker 1>And it's nice to hear regular everyday people who have

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<v Speaker 1>imperfect financial lives but somehow they're figuring it out.

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<v Speaker 2>So that's always.

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<v Speaker 3>Nice, right, And they did my favorite thing, you know,

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<v Speaker 3>because so often people will cut expenses and trim trim

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<v Speaker 3>trim to try and pay down debt. But they were like, no,

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<v Speaker 3>we really need to actually bring an extra income and

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<v Speaker 3>make sacrifices to make that happen. So that they were

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<v Speaker 3>both working two jobs and Faith worked overnight. It's like

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<v Speaker 3>five or six days a week. She said, Girl, she

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<v Speaker 3>sounded so tired. I'm glad she's.

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<v Speaker 2>Taking a break this summer.

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<v Speaker 1>I know because my mom is a nurse, and I

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<v Speaker 1>remember those days when like we were going to go

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<v Speaker 1>off to college or whatever, and my mom did like

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<v Speaker 1>double shifts and all that stuff. So I remember when

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<v Speaker 1>she was saying that. I said, oh my good, My

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<v Speaker 1>mother used to be like.

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<v Speaker 2>The things I do for you kids.

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<v Speaker 1>So yeah, it's hard being a nurse, you know, because

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<v Speaker 1>it's just you're on your feet all day long. But

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<v Speaker 1>nurses have an extreme potential to make a lot of

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<v Speaker 1>money because my mother could make really good money and

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<v Speaker 1>she'd made and she did those you know, those extra shifts.

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<v Speaker 3>Well, good for it. And she's young too. It's like

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<v Speaker 3>do it now before. I think they're fortunate and that

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<v Speaker 3>they have the age on their side. They're young and

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<v Speaker 3>they don't have any kids yet. Like a lot of

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<v Speaker 3>the questions we get from listeners often you know, rightfully,

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<v Speaker 3>so they have their struggling and they can't necessarily take

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<v Speaker 3>on an extra job because they have kids or other obligations.

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<v Speaker 3>So I think you have to recognize when you're that

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<v Speaker 3>this is the time to be struggling, like right, because

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<v Speaker 3>I think when you're in your twenties, like you think, okay,

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<v Speaker 3>I should be living my life and spending all my money.

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<v Speaker 3>But it's like do the work now so that you

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<v Speaker 3>can enjoy things or things won't be so hard when

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<v Speaker 3>you have a million other like obligate. That's what I

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<v Speaker 3>think about every day.

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<v Speaker 1>And when I was, you know, coming up, my mom

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<v Speaker 1>would always say that she'd be like, oh, you better

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<v Speaker 1>get that degree now before the kids, and I didn't

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<v Speaker 1>understand what she meant. Whenever I said I wanted to

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<v Speaker 1>try something or do something. She'd be like, do that

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<v Speaker 1>now before kids come. I'm like, but now I understand,

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<v Speaker 1>because you're right. It just makes it ten times harder

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<v Speaker 1>when you have children because there's certain things you can't do.

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<v Speaker 2>You know.

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<v Speaker 1>You can't live just anywhere, you can't eat just anything,

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<v Speaker 1>you know. So yes, thank you faith In Leo. We

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<v Speaker 1>had an awesome time. If you have not listened to

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<v Speaker 1>that episode, what you're waiting on? Get your inspiration on?

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<v Speaker 1>I think it's time to hit the social streets. What

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<v Speaker 1>do you think?

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<v Speaker 3>I was just about to say, it was Father's Day

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<v Speaker 3>this weekend, so for those of you, I always feel

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<v Speaker 3>a little self conscious about post and then we post

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<v Speaker 3>something on Mother's Say, and then we post something on

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<v Speaker 3>Father's Day. And I just wanted to give a shout

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<v Speaker 3>out to anyone whose father who isn't with them or

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<v Speaker 3>wasn't a part of their lives. I always think of

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<v Speaker 3>Father's Day as like, here's a day to celebrate any

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<v Speaker 3>man in your life that you know has supported you

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<v Speaker 3>or done good things for you. So thank you to

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<v Speaker 3>everyone who who commented on our Instagram and Facebook post.

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<v Speaker 3>I just asked the same question we asked the Mother's Day.

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<v Speaker 3>You know, is there a lesson you want to share

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<v Speaker 3>that your dad's taught you and that you carry with

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<v Speaker 3>you today.

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<v Speaker 1>What did you say to well, yes, but honestly, I

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<v Speaker 1>just my dad really just taught me that hard work

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<v Speaker 1>can overcome almost any obstacle. Like he would always think

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<v Speaker 1>because my dad grew up in rural Nigeria, and he

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<v Speaker 1>would always say, you know, I wasn't the smartest. My

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<v Speaker 1>dad's a little on the short side, like five six,

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<v Speaker 1>I wasn't the tallest, you know. He was like, but

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<v Speaker 1>one thing I was was the hardest working. And he

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<v Speaker 1>was like, that's why you know, I was able to

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<v Speaker 1>move and create a life myself for myself, you know,

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<v Speaker 1>your mom and you kids. And so he just taught

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<v Speaker 1>me that, you know, and I carry that with me

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<v Speaker 1>that like I'm not the smartest, I'm not the anything is,

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<v Speaker 1>you know, but I do know that if I can

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<v Speaker 1>put in the work, you know, I can accomplish the

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<v Speaker 1>things that I desire.

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<v Speaker 2>So that was like my major lesson that my dad

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<v Speaker 2>taught me. What about you, Mandra.

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<v Speaker 3>Mine was super close to one of our Facebook followers.

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<v Speaker 3>I'm gonna try and get her name right. Maybe you

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<v Speaker 3>can help me. It might be Nigeria. I'm not sure

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<v Speaker 3>it's is Zuna is zun Wa na Kenny.

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<v Speaker 2>Ah, It's well definitely African.

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<v Speaker 3>Okay, so it's something I hope I did you justice.

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<v Speaker 3>I'm sorry anyway, I wanted to share her comments very

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<v Speaker 3>similar to what I was what mine was like. She said,

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<v Speaker 3>if I listened to my dad from the beginning, I'd

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<v Speaker 3>be way ahead of my financial life. He always told

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<v Speaker 3>us to choose our needs over our wants and not

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<v Speaker 3>be deceived by all the sales and TV ads because

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<v Speaker 3>there will always be sales. I did not listen on time.

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<v Speaker 2>That's okay, Zunoir.

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<v Speaker 1>We're all tricked by the magic of marketing.

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<v Speaker 2>You know.

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<v Speaker 3>I can tell that the person I bought my home from,

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<v Speaker 3>she was a little home shocking at shopping network scenes

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<v Speaker 3>because I am I'm getting these weird catalogs for like

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<v Speaker 3>pressure cookers and like all this made for TV stuff.

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<v Speaker 3>I was like, ooh, Rosemary.

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<v Speaker 2>With Allred Street. Let me write her.

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<v Speaker 1>It's thank you guys for first of all, we're just

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<v Speaker 1>like really happy that you guys have been hitting us

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<v Speaker 1>up on social and so we just like to like

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<v Speaker 1>shout you out. So this is on Insta just so

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<v Speaker 1>you know. Our ig name is Brown Ambition Podcast and

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<v Speaker 1>what's her name? On Facebook just Brown Ambition.

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<v Speaker 3>Brown Ambition and on Twitter at the BA podcast.

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<v Speaker 1>So you can tweet us, you can I G S

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<v Speaker 1>or you can F B S C. See all that,

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<v Speaker 1>and we'll read something every week. So this is from

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<v Speaker 1>L dubs. Let me see L what is your real name?

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<v Speaker 2>Leslie? Okay, Leslie Andy girl? So but it's L underscore

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<v Speaker 2>Dub with the Z.

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<v Speaker 1>She said her father he taught me by word indeed

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<v Speaker 1>that as long as you're still breathing, there's still time

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<v Speaker 1>to get it right. Life will knock you down. Sometimes

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<v Speaker 1>you'll even be the one tripping yourself up, but always

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<v Speaker 1>get back up and never stop trying to get it

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<v Speaker 1>right because the time is going to pass anyway.

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<v Speaker 2>Oh that was awesome, L. The time is right.

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<v Speaker 1>The time is going to pass anyway. All right, it's

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<v Speaker 1>time for buzzworthy? Ugh A, what's this buzzworthy? I'm like,

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<v Speaker 1>do we talk about the bad things or you just

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<v Speaker 1>try to find something good that's happening in the world.

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<v Speaker 3>Okay, what do you have? Good news or bad news?

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<v Speaker 1>I mean, these poor kids, and I mean, honestly, I

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<v Speaker 1>was crying about it today. I'm not gonna lie.

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<v Speaker 2>I was like reading.

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<v Speaker 1>Stories about you know, just separation at the border, and

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<v Speaker 1>I was just like looking at this little boy who

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<v Speaker 1>couldn't have been more than three.

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<v Speaker 2>Three Ugh, I just I couldn't. Like it's like literally

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<v Speaker 2>too much for my heart to take a three year old.

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<v Speaker 2>You know.

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<v Speaker 1>I used to teach preschool and kids would be hysterical

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<v Speaker 1>first day, second day, first week when their parents leave them,

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<v Speaker 1>and because you know, they're like, who's this person?

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<v Speaker 2>Who you know? And but at least you.

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<v Speaker 1>Know, parents knew, like I'm gonna be back. And I

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<v Speaker 1>would tell parents, like the first week, just do half

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<v Speaker 1>a dad, because it's very trup it's traumatizing for kids.

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<v Speaker 1>Or I would tell parents stay with them for a

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<v Speaker 1>little bit because kids don't know that you're coming back.

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<v Speaker 1>But to leave your child and you don't know that

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<v Speaker 1>you're coming back, you don't know that you ever see

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<v Speaker 1>them again, Like that's I'm like, am I crazy? Doesn't

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<v Speaker 1>it seem so crazy that you would literally take a

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<v Speaker 1>child from a parent. How are they going to find

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<v Speaker 1>them again? Like there are some camps where kids are

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<v Speaker 1>not even allowed to hug. Like these siblings were reunited

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<v Speaker 1>a man was was being interviewed on I think it

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<v Speaker 1>was like CNN Today, and he said he just quit

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<v Speaker 1>because he siblings were reunited and the older one, who

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<v Speaker 1>was like ten, was trying to comfort the younger ones

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<v Speaker 1>and they were hugging, and they told them there's no

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<v Speaker 1>hugging allowed here.

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<v Speaker 2>And I just couldn't. I just can't even.

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<v Speaker 1>And then the comments from some of the people in

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<v Speaker 1>the comments section like oh, oh, well.

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<v Speaker 2>You know, like just so heartless to children, to a

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<v Speaker 2>three year old, a three year old.

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<v Speaker 1>You know, I typically don't really believe in like evil evil,

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<v Speaker 1>but I really wonder, like, what is really happening that

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<v Speaker 1>you could see a crying three year old and have

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<v Speaker 1>no compassion.

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<v Speaker 2>Yeah, it's just it's crazy. I don't even.

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<v Speaker 3>I think that reaction is like how everyone's feeling right now.

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<v Speaker 3>Anybody with a heart and a soul has to be

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<v Speaker 3>feeling that way. I mean, you even have like Republicans

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<v Speaker 3>who are like, yo, man, this is too far. What's happening.

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<v Speaker 3>What kills me is that it's being politicized, Like, you know,

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<v Speaker 3>the current administration is sort of lying, actually lying. There's

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<v Speaker 3>several articles where they've actually fact checked what they're saying,

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<v Speaker 3>and they're lying when they say that these were because

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<v Speaker 3>of policies that the Democrats put in place, or that

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<v Speaker 3>this could all be fixed if Democrats, you know, would

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<v Speaker 3>do x ys zee in Congress. Right now, it's it's

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<v Speaker 3>not true, and it's like being it's being used as

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<v Speaker 3>a as leverage for the current administration. And and but

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<v Speaker 3>all you have to do to realize how sick it

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<v Speaker 3>is is just look at the images of these little

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<v Speaker 3>kids being I mean, it's so unnatural to think of

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<v Speaker 3>any little child being ripped away from their family, and

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<v Speaker 3>it's happening. It's it's happening right now. I think the

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<v Speaker 3>only bright spot is that it seems like something this

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<v Speaker 3>weekend lit a fire under the like the butts of

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<v Speaker 3>everybody in this country, and everyone's talking about it. The

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<v Speaker 3>pictures are getting out there. Gail King is down there

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<v Speaker 3>right now, like killing it. And she's in McCallan, Texas.

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<v Speaker 3>I was watching her just suffering in that humidity this

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<v Speaker 3>this morning, covering this story. And it's it's nice to

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<v Speaker 3>see at least that people are refusing to let this

0:10:47.400 --> 0:10:50.679
<v Speaker 3>let this fly. I mean, did you see Sarah Huckabee

0:10:50.679 --> 0:10:53.400
<v Speaker 3>Sanders like that incident in the White House Press briefing

0:10:53.480 --> 0:10:55.280
<v Speaker 3>room or that reporter I think he was from. Yeah,

0:10:55.280 --> 0:10:58.640
<v Speaker 3>and then yeah, it's so hard as a reporter, right

0:10:58.720 --> 0:11:01.920
<v Speaker 3>to like to separate your self. You're supposed to be objective, right,

0:11:01.960 --> 0:11:04.480
<v Speaker 3>But if you're a parent of a child, I understand

0:11:04.520 --> 0:11:07.360
<v Speaker 3>why you can get that emotional he was.

0:11:07.360 --> 0:11:09.079
<v Speaker 1>She was like, oh, you're just trying to get camera time,

0:11:09.120 --> 0:11:11.520
<v Speaker 1>but you could tell that he was just like yo,

0:11:12.720 --> 0:11:15.800
<v Speaker 1>as a parent, I mean, forget all the politics and

0:11:15.840 --> 0:11:19.079
<v Speaker 1>adults and stuff like if someone took your five year old,

0:11:19.240 --> 0:11:22.360
<v Speaker 1>took your five year old, what was like? You know,

0:11:22.520 --> 0:11:24.960
<v Speaker 1>I just can't even. I can't imagine someone taking my

0:11:25.040 --> 0:11:27.680
<v Speaker 1>nephew and being like, yeah, I don't so I don't

0:11:27.679 --> 0:11:29.160
<v Speaker 1>know when if you're ever gonna see him? Oh well,

0:11:29.920 --> 0:11:34.319
<v Speaker 1>I can't even. It's it's literally heartbreaking. I feel like

0:11:34.559 --> 0:11:37.199
<v Speaker 1>it's just yeah, I don't even know what to say,

0:11:37.240 --> 0:11:39.480
<v Speaker 1>because kids are like what what is a three year

0:11:39.480 --> 0:11:40.400
<v Speaker 1>old supposed to think?

0:11:40.800 --> 0:11:42.800
<v Speaker 2>What is it? Even a ten year old supposed to think? Like?

0:11:42.840 --> 0:11:43.400
<v Speaker 2>What am I like?

0:11:43.440 --> 0:11:45.800
<v Speaker 1>They were like kids were begging for their parents and

0:11:45.880 --> 0:11:48.240
<v Speaker 1>crying out and saying, well can you this One little

0:11:48.240 --> 0:11:50.240
<v Speaker 1>girl was like asking the man, you know can you

0:11:50.280 --> 0:11:50.840
<v Speaker 1>call my aunt?

0:11:50.920 --> 0:11:51.760
<v Speaker 2>She can come get me?

0:11:51.800 --> 0:11:55.120
<v Speaker 1>And he was like nope, and just like just and

0:11:55.160 --> 0:11:57.240
<v Speaker 1>then you heard about the man that sexually assaulted one

0:11:57.240 --> 0:11:59.520
<v Speaker 1>of the four year olds that was there and tried

0:11:59.520 --> 0:12:01.520
<v Speaker 1>to bribe mom. Not gonna say anything, I mean, what

0:12:01.720 --> 0:12:05.040
<v Speaker 1>is happening? Like, I mean, we had containment camps for

0:12:06.080 --> 0:12:09.000
<v Speaker 1>Japanese Americans. You know when we were fighting in World

0:12:09.000 --> 0:12:10.920
<v Speaker 1>War two? Was that World two or World War three? No,

0:12:11.000 --> 0:12:12.920
<v Speaker 1>where we're one, I think it's World War.

0:12:12.760 --> 0:12:16.719
<v Speaker 2>Two, And like it's just honestly, it's shameful.

0:12:17.120 --> 0:12:21.160
<v Speaker 3>I think the natural reaction is like, well, what can

0:12:21.200 --> 0:12:25.200
<v Speaker 3>we do about this? I think one one good thing

0:12:25.240 --> 0:12:27.160
<v Speaker 3>to do and it's something that I learned a while

0:12:27.240 --> 0:12:29.960
<v Speaker 3>back is when you hear about these like human rights cases,

0:12:31.720 --> 0:12:35.920
<v Speaker 3>the ACLU, the American Civil Liberties Union, that's the organization

0:12:35.960 --> 0:12:39.640
<v Speaker 3>that I support monthly with donations, and they are going

0:12:39.720 --> 0:12:41.520
<v Speaker 3>to be on the ground fighting for these people. They

0:12:41.559 --> 0:12:44.520
<v Speaker 3>were the same organization like among others that were out

0:12:44.559 --> 0:12:50.720
<v Speaker 3>there when there was the ban on Muslim flyers or sorry,

0:12:50.920 --> 0:12:54.960
<v Speaker 3>people from Muslim countries back when when Trump was first elected.

0:12:55.000 --> 0:12:57.520
<v Speaker 3>Remember that, like the ACLU is out there like try

0:12:57.559 --> 0:13:00.920
<v Speaker 3>and find human rights organizations or legal advocacy groups that

0:13:00.960 --> 0:13:05.240
<v Speaker 3>can help these families, because, honestly, if you're also just

0:13:05.320 --> 0:13:08.640
<v Speaker 3>curious about I mean immigration in the US, like what's

0:13:08.640 --> 0:13:11.720
<v Speaker 3>happening at the border is so complex, and it's true,

0:13:11.720 --> 0:13:15.040
<v Speaker 3>it's not just anything that's been caused by the current administration.

0:13:15.120 --> 0:13:18.320
<v Speaker 3>It's the result of like decades of people just not

0:13:18.400 --> 0:13:20.320
<v Speaker 3>getting it right or trying to get it right, and

0:13:20.360 --> 0:13:24.240
<v Speaker 3>things not working out in terms of immigration. But the

0:13:24.800 --> 0:13:27.720
<v Speaker 3>New York Times podcast The Daily had a really good,

0:13:27.760 --> 0:13:30.559
<v Speaker 3>like twenty five minute episode this morning that just talked

0:13:30.559 --> 0:13:33.480
<v Speaker 3>to one of their reporters about the history of what's

0:13:33.559 --> 0:13:36.760
<v Speaker 3>happening right now and how complex the rules are around

0:13:36.800 --> 0:13:41.520
<v Speaker 3>what happens to immigrants when they come undocumented immigrants when

0:13:41.520 --> 0:13:43.800
<v Speaker 3>they come to the border, and what they have to

0:13:43.880 --> 0:13:47.520
<v Speaker 3>say in order to seek asylum, and how what used

0:13:47.520 --> 0:13:49.480
<v Speaker 3>to be the norm is no longer been the norm

0:13:49.559 --> 0:13:51.920
<v Speaker 3>right now, and people are confused about it, and it's

0:13:51.960 --> 0:13:56.320
<v Speaker 3>just a whole, hot, steaming pile of mess. And I

0:13:56.360 --> 0:13:59.400
<v Speaker 3>hope that I hope that the heat and all the

0:13:59.400 --> 0:14:03.200
<v Speaker 3>attention is going to change things. I guess only time

0:14:03.240 --> 0:14:05.640
<v Speaker 3>will tell. In the meantime, that's how I'm choosing to

0:14:05.679 --> 0:14:07.840
<v Speaker 3>react to respond to it is I'm just gonna donate

0:14:07.840 --> 0:14:10.240
<v Speaker 3>to the a c ou and tweet my heart out

0:14:10.440 --> 0:14:11.680
<v Speaker 3>trying to share these stories.

0:14:21.560 --> 0:14:27.280
<v Speaker 1>Well, it's time to booster breaker, Booster a breaker, Booster

0:14:27.520 --> 0:14:30.280
<v Speaker 1>break what you're gonna do, I'm.

0:14:30.120 --> 0:14:35.600
<v Speaker 3>Gonna boost today. I'm trying to lift us up, lift

0:14:35.760 --> 0:14:40.960
<v Speaker 3>every voice that too. I went with Josh Grobin you

0:14:41.080 --> 0:14:46.880
<v Speaker 3>want Yeah, that's why we're a good team. I saw

0:14:46.920 --> 0:14:49.600
<v Speaker 3>a really cool story about this. I was surprised to

0:14:49.600 --> 0:14:51.120
<v Speaker 3>see it and then but in the New York Times.

0:14:51.120 --> 0:14:53.800
<v Speaker 3>But there is I know we've been talking about these

0:14:53.960 --> 0:14:56.840
<v Speaker 3>these groups where you can if you want to support

0:14:57.600 --> 0:15:00.520
<v Speaker 3>minority owned businesses. There were like these. There's usually like

0:15:00.560 --> 0:15:04.800
<v Speaker 3>some old kind of like registries where people will track

0:15:05.040 --> 0:15:07.160
<v Speaker 3>businesses owned by minorities. But the New York Times that

0:15:07.200 --> 0:15:10.480
<v Speaker 3>are really dope feature on this couple from Brooklyn who

0:15:10.520 --> 0:15:13.920
<v Speaker 3>have a website called Black Owned Brooklyn dot com, which

0:15:14.000 --> 0:15:16.440
<v Speaker 3>doesn't just like it's not just a list of own

0:15:16.560 --> 0:15:19.800
<v Speaker 3>big businesses owned by by black business owners, but it's

0:15:20.160 --> 0:15:22.560
<v Speaker 3>like an Instagram page where they actually do like little

0:15:22.600 --> 0:15:25.840
<v Speaker 3>mini features on the owners themselves and what their businesses.

0:15:25.960 --> 0:15:28.720
<v Speaker 3>And it's really dope. I think it's especially for a

0:15:28.760 --> 0:15:32.800
<v Speaker 3>place like Brooklyn, where it may be surprising to know that, oh, hey,

0:15:33.520 --> 0:15:36.120
<v Speaker 3>there is a black woman who owns a yarn shop

0:15:36.640 --> 0:15:39.800
<v Speaker 3>or an old lady who owns a hardware store or whatever.

0:15:39.880 --> 0:15:41.080
<v Speaker 3>So that was really cool.

0:15:41.560 --> 0:15:42.080
<v Speaker 2>Let me get there.

0:15:42.200 --> 0:15:44.200
<v Speaker 3>Let me make sure I get their names right. We

0:15:44.200 --> 0:15:45.479
<v Speaker 3>should have them on the show.

0:15:45.720 --> 0:15:47.000
<v Speaker 2>Yeah, that would be awesome.

0:15:47.640 --> 0:15:54.960
<v Speaker 3>Yeap oh, Cynthia, Gordie Guiwa and Glenn Allen started this together,

0:15:55.080 --> 0:15:56.400
<v Speaker 3>So good for y'all.

0:15:57.640 --> 0:15:58.200
<v Speaker 2>That's awesome.

0:15:58.240 --> 0:16:02.800
<v Speaker 1>I love I love hearing stuff like that own Brooklyn. Well,

0:16:03.080 --> 0:16:05.680
<v Speaker 1>my boost actually is going to be a former guest

0:16:05.680 --> 0:16:06.440
<v Speaker 1>that we had on the show.

0:16:06.440 --> 0:16:06.920
<v Speaker 2>I just saw her.

0:16:06.960 --> 0:16:09.880
<v Speaker 1>So I went to go get lashes done because my

0:16:09.880 --> 0:16:12.760
<v Speaker 1>makeup artist told me, if I have like two major

0:16:12.760 --> 0:16:14.280
<v Speaker 1>things coming up back to back, it would just be

0:16:14.280 --> 0:16:16.600
<v Speaker 1>easier to have lashes done to fun.

0:16:16.680 --> 0:16:20.640
<v Speaker 3>I do solash.

0:16:20.480 --> 0:16:23.560
<v Speaker 1>No, because I still had lashes from last time. A

0:16:23.600 --> 0:16:26.120
<v Speaker 1>filling is forty dollars, and I said, oh, that's nice

0:16:26.160 --> 0:16:30.520
<v Speaker 1>to know. And so I when I walked in, I

0:16:30.600 --> 0:16:33.600
<v Speaker 1>recognized that familiar face, Lynette how Bonnie Cox.

0:16:33.680 --> 0:16:35.000
<v Speaker 2>She was getting her hair done.

0:16:35.160 --> 0:16:37.760
<v Speaker 3>I can only imagine the squeals yes.

0:16:37.760 --> 0:16:41.080
<v Speaker 1>And I was like Oh my gosh, Linnea is so honestly,

0:16:42.040 --> 0:16:44.840
<v Speaker 1>she is just like goals for sotified, you know. So

0:16:45.040 --> 0:16:48.640
<v Speaker 1>we were just talking too, and so actually today is

0:16:48.640 --> 0:16:52.000
<v Speaker 1>her son's graduation. He's graduating from I don't know if

0:16:52.000 --> 0:16:54.280
<v Speaker 1>he's graduated I think high school. And then her daughter,

0:16:54.600 --> 0:16:56.840
<v Speaker 1>who she insisted that I meet, and she's so adorable

0:16:57.480 --> 0:16:59.840
<v Speaker 1>of course, like just so well mannered, just amazing, and

0:17:00.080 --> 0:17:02.440
<v Speaker 1>her daughter has one where year left. She's graduating a

0:17:02.480 --> 0:17:05.960
<v Speaker 1>semester early from college because why not, You're Lynnette's daughter,

0:17:06.760 --> 0:17:07.560
<v Speaker 1>And then her.

0:17:08.119 --> 0:17:09.120
<v Speaker 2>And then her mom was there.

0:17:09.320 --> 0:17:12.119
<v Speaker 1>It was just honestly, she's just Lynette is just awesome,

0:17:12.160 --> 0:17:15.560
<v Speaker 1>and she just left me with like Lynette always leaves

0:17:15.560 --> 0:17:17.680
<v Speaker 1>me with something to think about of how it could

0:17:17.720 --> 0:17:20.359
<v Speaker 1>be better. Like she wasn't trying to teach a lesson,

0:17:20.359 --> 0:17:22.080
<v Speaker 1>but it had me really thinking. So we were just

0:17:22.080 --> 0:17:24.919
<v Speaker 1>talking about, like, you know, like what I've been up

0:17:24.920 --> 0:17:27.960
<v Speaker 1>to and whatever, and Lynette always always always asked how

0:17:27.960 --> 0:17:29.800
<v Speaker 1>she can help me. Like the first time I've ever

0:17:29.800 --> 0:17:31.639
<v Speaker 1>been on TV, which is like pix eleven News in

0:17:31.640 --> 0:17:33.919
<v Speaker 1>New York, it was her. I met her at a

0:17:34.000 --> 0:17:37.040
<v Speaker 1>conference for Black Enterprise. I squealed when I met her

0:17:37.080 --> 0:17:38.400
<v Speaker 1>and I was like, oh my gosh, my gosh, my gosh,

0:17:38.480 --> 0:17:39.480
<v Speaker 1>I love you.

0:17:39.480 --> 0:17:41.119
<v Speaker 2>You you know, like you're such like, you know, a

0:17:41.200 --> 0:17:41.760
<v Speaker 2>role model.

0:17:42.119 --> 0:17:46.000
<v Speaker 1>And she lives not far from where my parents live,

0:17:46.320 --> 0:17:50.480
<v Speaker 1>like a neighboring town, and she was like I told her,

0:17:50.640 --> 0:17:52.400
<v Speaker 1>She said, are you going back to you know, New

0:17:52.480 --> 0:17:55.280
<v Speaker 1>Jersey because the conference was in New York And I

0:17:55.280 --> 0:17:56.680
<v Speaker 1>said yeah. She said, well I drove. Do you want

0:17:56.680 --> 0:17:58.639
<v Speaker 1>to ride this woman who I didn't know who I

0:17:58.720 --> 0:18:01.080
<v Speaker 1>was idolizing And I was like, oh my god, yes.

0:18:01.560 --> 0:18:03.359
<v Speaker 1>So there was a lot of traffic and she just

0:18:03.440 --> 0:18:06.240
<v Speaker 1>ended up pouring so much into me, just like asking

0:18:06.280 --> 0:18:08.520
<v Speaker 1>me what I was working on and just giving me tips.

0:18:08.560 --> 0:18:10.400
<v Speaker 1>She became my mentor that day. And then she asked

0:18:10.440 --> 0:18:12.120
<v Speaker 1>me in the car, have you ever been on TV?

0:18:12.200 --> 0:18:12.960
<v Speaker 1>And I was like no.

0:18:13.359 --> 0:18:14.199
<v Speaker 2>She's like, do you want to be?

0:18:14.240 --> 0:18:16.359
<v Speaker 1>I was like, uh, yeah, but I don't, you know,

0:18:16.480 --> 0:18:19.320
<v Speaker 1>like yeah. She made a phone call. She was supposed

0:18:19.320 --> 0:18:21.480
<v Speaker 1>to be on pix eleven News to do like five

0:18:21.560 --> 0:18:24.920
<v Speaker 1>tips on whatever, and she said instead of me, I'm

0:18:24.920 --> 0:18:29.720
<v Speaker 1>going to send a replacement basically oh, I mean yeah,

0:18:29.760 --> 0:18:32.239
<v Speaker 1>and so and then from there like it just was

0:18:32.280 --> 0:18:34.080
<v Speaker 1>like on and popping, you know, Drina of course helped

0:18:34.080 --> 0:18:36.320
<v Speaker 1>me get ready, and but Lynette too did so much

0:18:36.320 --> 0:18:36.960
<v Speaker 1>coaching with me.

0:18:37.119 --> 0:18:38.399
<v Speaker 2>She honestly is just amazing.

0:18:38.440 --> 0:18:40.520
<v Speaker 1>But the thing, the reason why I'm giving her the

0:18:40.560 --> 0:18:43.400
<v Speaker 1>boost today is because she said something that that kind

0:18:43.400 --> 0:18:46.119
<v Speaker 1>of like made me reflect and say, you know what, okay,

0:18:46.359 --> 0:18:49.520
<v Speaker 1>I hear you. And she said she was asking me

0:18:49.560 --> 0:18:52.960
<v Speaker 1>about some partnership that I had and asking me how

0:18:52.960 --> 0:18:55.040
<v Speaker 1>it was going, and I said well, and she was

0:18:55.040 --> 0:18:57.720
<v Speaker 1>telling me, you know, you should be pushing them to

0:18:57.760 --> 0:19:00.439
<v Speaker 1>pay you more than what they pay me. And I

0:19:00.520 --> 0:19:03.280
<v Speaker 1>was like what, and she was like, Tiffany, the purpose

0:19:03.400 --> 0:19:07.120
<v Speaker 1>of the people who come before you is to lay

0:19:07.119 --> 0:19:11.520
<v Speaker 1>the foundation so you can have more and better. And

0:19:11.680 --> 0:19:14.880
<v Speaker 1>your purpose is to lay the foundation and to help

0:19:14.920 --> 0:19:18.760
<v Speaker 1>the ones coming behind you so they can do better

0:19:18.800 --> 0:19:21.320
<v Speaker 1>than you. And I just remember thinking that was so

0:19:21.400 --> 0:19:24.200
<v Speaker 1>profound that she was like, cause you know, people don't

0:19:24.200 --> 0:19:26.400
<v Speaker 1>do that in business, like, oh girl, make them pay

0:19:26.400 --> 0:19:28.639
<v Speaker 1>you more because you got this, I don't have the

0:19:28.680 --> 0:19:29.480
<v Speaker 1>audience that you have.

0:19:29.560 --> 0:19:31.600
<v Speaker 2>Make them pay you more. And I was just I

0:19:31.640 --> 0:19:32.719
<v Speaker 2>was just blown away by that.

0:19:32.760 --> 0:19:35.000
<v Speaker 1>And I thought to myself, Lynette is goals in so

0:19:35.080 --> 0:19:39.040
<v Speaker 1>many ways, Like, you know, she's beautiful she's got amazing families,

0:19:39.240 --> 0:19:43.480
<v Speaker 1>she's kind, you know, she's smart, she's but then just

0:19:43.600 --> 0:19:47.080
<v Speaker 1>that component of her always giving Lynette, the fact that

0:19:47.080 --> 0:19:50.000
<v Speaker 1>she gave me her spot on TV, but that comes

0:19:50.000 --> 0:19:54.720
<v Speaker 1>from someone who was so I guess, so well situated

0:19:55.000 --> 0:19:57.360
<v Speaker 1>in knowing what they bring to the table, that they

0:19:57.400 --> 0:19:59.720
<v Speaker 1>know that they're not giving away anything. They're making space

0:19:59.760 --> 0:20:01.560
<v Speaker 1>for you because no one can take anything from Nette.

0:20:01.640 --> 0:20:03.920
<v Speaker 1>She's amazing, And I want to get to that space

0:20:04.000 --> 0:20:06.159
<v Speaker 1>where like not to say I don't give, because I do,

0:20:06.200 --> 0:20:07.960
<v Speaker 1>but I would have never thought about it like that that,

0:20:08.160 --> 0:20:11.320
<v Speaker 1>like you know that push people who are coming up,

0:20:11.440 --> 0:20:13.639
<v Speaker 1>you know, behind me to make more than me. You know,

0:20:13.680 --> 0:20:16.920
<v Speaker 1>that's not a natural inclination for me. And so yeah,

0:20:16.960 --> 0:20:18.320
<v Speaker 1>I just want to give her a boost because you

0:20:18.320 --> 0:20:20.640
<v Speaker 1>don't meet too many people like that. And she's amazing,

0:20:20.680 --> 0:20:23.160
<v Speaker 1>and you know, in this dark and dreary world, there

0:20:23.240 --> 0:20:25.600
<v Speaker 1>is sunshine like Lynette called Donny Cox.

0:20:26.680 --> 0:20:28.760
<v Speaker 2>She's aka the money Coach and she's amazing.

0:20:29.200 --> 0:20:31.080
<v Speaker 3>Love her, y'all should go back. I just want and

0:20:31.160 --> 0:20:34.119
<v Speaker 3>checked to see which episode it was. Go back all

0:20:34.160 --> 0:20:37.200
<v Speaker 3>the way back to January third, twenty eighteen, episode one

0:20:37.200 --> 0:20:39.280
<v Speaker 3>oh nine to hear I think this is one of

0:20:39.320 --> 0:20:42.000
<v Speaker 3>our biggest episodes of the year. Actually when Lynette was

0:20:42.080 --> 0:20:44.440
<v Speaker 3>on and talked about how to rock your salary negotiation

0:20:44.680 --> 0:20:45.720
<v Speaker 3>in twenty eighteen.

0:20:57.640 --> 0:20:59.840
<v Speaker 1>So now that we've done our boosts, which I'm glad

0:20:59.840 --> 0:21:01.080
<v Speaker 1>that we did boost in stead of break because you

0:21:01.119 --> 0:21:01.720
<v Speaker 1>need a little.

0:21:01.520 --> 0:21:03.760
<v Speaker 2>Boost, it's time to boost you boo.

0:21:04.359 --> 0:21:07.439
<v Speaker 1>Do you have a question on you know, financial related

0:21:07.520 --> 0:21:11.480
<v Speaker 1>finance adjacent maybe a career related career adjacent We'd love

0:21:11.520 --> 0:21:13.719
<v Speaker 1>to hear from you. You can always go to our

0:21:13.720 --> 0:21:18.160
<v Speaker 1>website Briannambison dot com. Wait brownimbishon podcast dot com. Yes,

0:21:18.200 --> 0:21:21.359
<v Speaker 1>ma'am Brown Ambition podcast dot com. I said it was

0:21:21.400 --> 0:21:25.600
<v Speaker 1>confidence that a click ask us anything, or you can

0:21:25.640 --> 0:21:29.080
<v Speaker 1>email us at DBA podcast at gmail dot com.

0:21:29.240 --> 0:21:34.760
<v Speaker 3>Clue, nope, cod crash and burn set you up for failure,

0:21:35.160 --> 0:21:35.560
<v Speaker 3>you did.

0:21:35.800 --> 0:21:37.280
<v Speaker 1>I was hoping you were gonna fill it in and

0:21:37.280 --> 0:21:40.919
<v Speaker 1>Mandy was like, h.

0:21:40.359 --> 0:21:42.639
<v Speaker 3>Well, usually I do the intro for the questions, but

0:21:42.760 --> 0:21:45.600
<v Speaker 3>it's cool. You want to take the rains today, so

0:21:45.800 --> 0:21:46.600
<v Speaker 3>see what happens.

0:21:46.680 --> 0:21:50.040
<v Speaker 2>Be trying to drive. I know that's where happy want

0:21:50.080 --> 0:21:50.720
<v Speaker 2>to get lashes.

0:21:52.760 --> 0:21:56.479
<v Speaker 3>I can hear them from here, just like you can

0:21:56.560 --> 0:21:59.720
<v Speaker 3>hit us up at Brandnambition podcasts at gmail dot com.

0:22:00.080 --> 0:22:03.800
<v Speaker 3>Your questions, which I am going to read a couple now.

0:22:04.160 --> 0:22:07.320
<v Speaker 3>Thank you guys for sending in some awesome questions. Here's

0:22:07.359 --> 0:22:09.080
<v Speaker 3>a good one that we have. I don't think we've

0:22:09.119 --> 0:22:11.840
<v Speaker 3>talked much about personal loans before, but here's a good

0:22:11.840 --> 0:22:15.160
<v Speaker 3>one from someone who wishes to remain anonymous. She says,

0:22:15.200 --> 0:22:18.960
<v Speaker 3>what are your thoughts on personal loan companies like Upstart?

0:22:19.160 --> 0:22:21.560
<v Speaker 3>Would it be smart to do a personal loan to

0:22:21.600 --> 0:22:24.679
<v Speaker 3>build credit or to do a credit builder loan like

0:22:24.800 --> 0:22:29.600
<v Speaker 3>from a company like self lender? Thank you, So it

0:22:29.640 --> 0:22:32.200
<v Speaker 3>seems like she's thinking about so. One of the most

0:22:32.280 --> 0:22:36.600
<v Speaker 3>reason common reasons people take out a personal loan is

0:22:36.640 --> 0:22:40.760
<v Speaker 3>to consolidate debt, where you basically take out a personal

0:22:40.800 --> 0:22:43.080
<v Speaker 3>loan from like a bank, a credit union, online lender,

0:22:43.119 --> 0:22:45.560
<v Speaker 3>and you use that loan to pay off you know,

0:22:45.920 --> 0:22:48.200
<v Speaker 3>two or more different types of debt and then you

0:22:48.400 --> 0:22:51.200
<v Speaker 3>left with one new loan. And the good thing about

0:22:51.240 --> 0:22:54.199
<v Speaker 3>personal loans is that they come with a fixed interest

0:22:54.280 --> 0:22:56.280
<v Speaker 3>rate versus a credit card, when your interest rate can

0:22:56.359 --> 0:22:58.680
<v Speaker 3>change all the time. So they have a fixed rate,

0:22:59.119 --> 0:23:01.960
<v Speaker 3>and because you're is fixed, they can tell you exactly

0:23:01.960 --> 0:23:04.000
<v Speaker 3>how much your monthly payments are going to be for

0:23:04.080 --> 0:23:06.640
<v Speaker 3>the term of your loan. So yeah, the three year,

0:23:06.880 --> 0:23:09.640
<v Speaker 3>five year personal loan. They'll tell you here's your monthly payments,

0:23:09.880 --> 0:23:12.160
<v Speaker 3>you know, for the entire time, and you know exactly

0:23:12.240 --> 0:23:15.240
<v Speaker 3>when you're gonna pay it off. But self lender. Have

0:23:15.280 --> 0:23:16.720
<v Speaker 3>we talked about self lender.

0:23:16.520 --> 0:23:17.720
<v Speaker 2>Before we did?

0:23:17.960 --> 0:23:20.359
<v Speaker 3>It's like a credit builder option. So this is a

0:23:20.359 --> 0:23:23.119
<v Speaker 3>little bit different. So maybe she's just looking to do

0:23:23.160 --> 0:23:24.879
<v Speaker 3>you want to talk about how it's different than a

0:23:24.920 --> 0:23:26.120
<v Speaker 3>regular lender.

0:23:26.200 --> 0:23:29.160
<v Speaker 1>Yes, and I self lender might actually lend you money

0:23:29.160 --> 0:23:31.600
<v Speaker 1>to but what the self lender That the part that

0:23:31.640 --> 0:23:34.479
<v Speaker 1>I'm familiar with is with self lender. Literally, the purpose

0:23:34.480 --> 0:23:39.320
<v Speaker 1>of self lender is to just show credit bureaus.

0:23:39.119 --> 0:23:42.840
<v Speaker 2>Hey, I pay back an installment loan.

0:23:43.200 --> 0:23:46.359
<v Speaker 1>So self lender says, hey, I always tell people, if

0:23:46.359 --> 0:23:47.960
<v Speaker 1>you're going to do self lender, take the lowest amount,

0:23:48.000 --> 0:23:51.359
<v Speaker 1>which I think is like five hundred bucks. Hey, you know,

0:23:51.480 --> 0:23:53.879
<v Speaker 1>I'm telling the credit viewers, I'm borrowing five hundred bucks. Hey,

0:23:53.960 --> 0:23:56.000
<v Speaker 1>look at me. You borrow the five hundred But the

0:23:56.160 --> 0:23:58.560
<v Speaker 1>self lender doesn't actually give you the five hundred They

0:23:58.560 --> 0:24:00.760
<v Speaker 1>put it in like a money market account for you,

0:24:00.760 --> 0:24:02.960
<v Speaker 1>like a savings account for you and then you pay

0:24:03.040 --> 0:24:05.040
<v Speaker 1>every month. So I think it's like, I don't know,

0:24:05.480 --> 0:24:08.159
<v Speaker 1>seventeen bucks or whatever five hundred divided by.

0:24:09.040 --> 0:24:09.760
<v Speaker 2>Twelve months is.

0:24:10.080 --> 0:24:13.359
<v Speaker 1>So you pay that every month, and then at the

0:24:13.520 --> 0:24:16.480
<v Speaker 1>end it looks like one you made twelve consistent months

0:24:16.480 --> 0:24:18.440
<v Speaker 1>worth of payment, and then it looks like you also

0:24:18.520 --> 0:24:20.920
<v Speaker 1>paid off an installment loan and so you get your

0:24:20.920 --> 0:24:23.119
<v Speaker 1>boost and then they give you a five hundred dollars

0:24:23.200 --> 0:24:23.720
<v Speaker 1>because you know.

0:24:23.680 --> 0:24:26.040
<v Speaker 2>You're literally paying in and then you get it back.

0:24:26.080 --> 0:24:28.560
<v Speaker 1>So it's like a it's a credit building loan, but

0:24:28.600 --> 0:24:30.760
<v Speaker 1>also like a little mini savings and you know, you

0:24:30.800 --> 0:24:34.439
<v Speaker 1>get like whatever little bit of interests like ten cents,

0:24:34.480 --> 0:24:36.320
<v Speaker 1>you know, the same interest you get from a regular bank.

0:24:36.560 --> 0:24:40.360
<v Speaker 1>And I think the fee is it's fairly low. I'd

0:24:40.400 --> 0:24:41.760
<v Speaker 1>have to look again, but last time I took us

0:24:41.760 --> 0:24:44.760
<v Speaker 1>to the view was nice. It's nine dollars, okay, so

0:24:44.760 --> 0:24:47.600
<v Speaker 1>it's not you know, it's not a crazy fee. And honestly,

0:24:47.600 --> 0:24:49.240
<v Speaker 1>I've got really good feedback. So I've shared it with

0:24:49.320 --> 0:24:51.159
<v Speaker 1>dream catchers before because I did a little research on

0:24:51.200 --> 0:24:53.560
<v Speaker 1>them for a few months to see, you know, like,

0:24:53.640 --> 0:24:55.760
<v Speaker 1>you know, whether it was something that I could share

0:24:55.840 --> 0:24:58.920
<v Speaker 1>and honestly, it's it's been two years or a year

0:24:58.920 --> 0:25:01.639
<v Speaker 1>and a half at least that I've known dreamcatchers been

0:25:01.720 --> 0:25:05.440
<v Speaker 1>using self Lender, and I would say the reviews are

0:25:05.720 --> 0:25:10.840
<v Speaker 1>ninety five percent really good, maybe like one percent where

0:25:10.840 --> 0:25:13.520
<v Speaker 1>it's like I didn't like it. My score dropped, and

0:25:13.560 --> 0:25:15.119
<v Speaker 1>I'm like, well did you pay, ma'am, because you know,

0:25:15.160 --> 0:25:16.800
<v Speaker 1>people be telling you the score drop, they didn't tell

0:25:16.800 --> 0:25:19.720
<v Speaker 1>you they pay. And then maybe like four percent. My

0:25:19.800 --> 0:25:23.119
<v Speaker 1>score didn't really move that much. So I've heard like,

0:25:23.160 --> 0:25:26.000
<v Speaker 1>you know, nothing but kind of like good feedback. So yeah,

0:25:26.000 --> 0:25:27.520
<v Speaker 1>so it depends what you're trying to do. If you're

0:25:27.560 --> 0:25:30.080
<v Speaker 1>trying to pay off debt, then I don't think self

0:25:30.160 --> 0:25:32.119
<v Speaker 1>lender necessarily will let you do that. If you're just

0:25:32.119 --> 0:25:34.760
<v Speaker 1>trying to raise your credit score, then you know, self

0:25:34.800 --> 0:25:36.560
<v Speaker 1>lender is something you could definitely look into.

0:25:37.400 --> 0:25:39.600
<v Speaker 3>Yeah, very interesting. So it's not like anything like a

0:25:39.600 --> 0:25:42.760
<v Speaker 3>traditional personal loan where you can just take it out

0:25:42.800 --> 0:25:44.760
<v Speaker 3>and get the money, you know, in a day or two.

0:25:46.600 --> 0:25:51.440
<v Speaker 3>All right, thank you for the question, Anonymous, whoever you are,

0:25:52.560 --> 0:25:56.720
<v Speaker 3>whoever you are? Next question comes from listener Tie. She says,

0:25:56.800 --> 0:26:00.280
<v Speaker 3>I have been reading Ben Bernanke's prediction for twenty twenty

0:26:00.359 --> 0:26:04.280
<v Speaker 3>financial crisis. Don't don't, dun't, And now I'm shook BURNANKI.

0:26:04.400 --> 0:26:06.480
<v Speaker 3>And he's not the only one side note, this is me,

0:26:06.600 --> 0:26:08.679
<v Speaker 3>Mandy talking. He's not the only one who's predicting a

0:26:08.680 --> 0:26:11.520
<v Speaker 3>twenty and twenty financial crisis. Like, if you've noticed there's

0:26:11.560 --> 0:26:13.720
<v Speaker 3>been all these headlines, you know, people are saying the

0:26:13.760 --> 0:26:17.200
<v Speaker 3>big ones coming in twenty twenty. Anyway, back to Ty,

0:26:17.720 --> 0:26:20.800
<v Speaker 3>she says, he mentioned how with the unemployment being so low,

0:26:21.160 --> 0:26:25.000
<v Speaker 3>Trump's stimpulus stimulus package could cause an economic downturn. Blah

0:26:25.040 --> 0:26:27.960
<v Speaker 3>blah blah. I currently live in expensive New York City

0:26:28.000 --> 0:26:30.000
<v Speaker 3>with my husband, and we have been discussing a move

0:26:30.040 --> 0:26:32.800
<v Speaker 3>to the south, maybe Georgia in North Carolina and Virginia

0:26:33.480 --> 0:26:35.720
<v Speaker 3>in the next year or so. But now I'm concerned.

0:26:35.800 --> 0:26:37.960
<v Speaker 3>Do you too have any advice for preparing for a

0:26:38.000 --> 0:26:41.359
<v Speaker 3>potential downturn and perhaps holding off on a move. I

0:26:41.400 --> 0:26:43.240
<v Speaker 3>want to make sure any move that we make will

0:26:43.240 --> 0:26:47.560
<v Speaker 3>be beneficial and not leave us in a financial bind. Mm.

0:26:49.160 --> 0:26:52.359
<v Speaker 1>Well, here's what I mean. You don't want to live

0:26:52.400 --> 0:26:55.879
<v Speaker 1>your life in like a bunker, you know what I mean? Like,

0:26:56.640 --> 0:26:58.960
<v Speaker 1>I think I think you should prepare just.

0:26:58.880 --> 0:27:03.000
<v Speaker 2>In general, like to me in knowing what I know now, Like.

0:27:02.960 --> 0:27:06.560
<v Speaker 1>If I pre recession, Tiffany anything, what I would have

0:27:06.560 --> 0:27:10.680
<v Speaker 1>probably told her is I would have I was actually

0:27:10.720 --> 0:27:12.159
<v Speaker 1>pretty good at saving. I would have said, you know,

0:27:12.200 --> 0:27:14.080
<v Speaker 1>continue to save, you save a good amount of money.

0:27:15.520 --> 0:27:20.600
<v Speaker 1>I would have said, pay down debt, because there's nothing

0:27:20.640 --> 0:27:22.800
<v Speaker 1>worse than when you're in financial crisis to also have

0:27:22.840 --> 0:27:26.520
<v Speaker 1>to pay debt on top of bills. I would also too,

0:27:26.800 --> 0:27:31.159
<v Speaker 1>not necessarily that I would have cut back on expenses,

0:27:31.359 --> 0:27:33.520
<v Speaker 1>but I would always have and I have that now.

0:27:33.600 --> 0:27:36.320
<v Speaker 1>I always have like a how we're living now budget

0:27:36.600 --> 0:27:39.240
<v Speaker 1>and how we could live if things got tight budget,

0:27:40.280 --> 0:27:41.880
<v Speaker 1>you know, so kind of like so like right now,

0:27:41.920 --> 0:27:43.320
<v Speaker 1>you know things are not tight. So my husband and

0:27:43.320 --> 0:27:45.120
<v Speaker 1>I were like, oh, okay, you know whole foods it is.

0:27:45.520 --> 0:27:48.160
<v Speaker 1>And then I have a ooh if things get tight, hey, shot, Brian,

0:27:48.200 --> 0:27:48.920
<v Speaker 1>what you're doing girl?

0:27:49.359 --> 0:27:52.560
<v Speaker 2>You know? So I know those numbers, So those are

0:27:52.600 --> 0:27:53.159
<v Speaker 2>kind of like the thing.

0:27:53.200 --> 0:27:54.760
<v Speaker 1>So I don't believe that you should be living for

0:27:54.800 --> 0:27:57.920
<v Speaker 1>this fearful like factor, but you know, keeping in mind

0:27:57.960 --> 0:27:59.280
<v Speaker 1>that at any time anything can happen.

0:27:59.359 --> 0:28:01.640
<v Speaker 2>So that's what I would say, safe, pay down debt,

0:28:01.920 --> 0:28:02.359
<v Speaker 2>and I.

0:28:02.320 --> 0:28:04.440
<v Speaker 1>Like to, I like to have two versions of my budget,

0:28:04.520 --> 0:28:06.159
<v Speaker 1>just so I'm aware of, Like, if I had to,

0:28:06.520 --> 0:28:08.280
<v Speaker 1>what would we what would I I like to know

0:28:08.280 --> 0:28:11.159
<v Speaker 1>what my financial baseline, What would I absolutely have to

0:28:11.200 --> 0:28:12.879
<v Speaker 1>make in order to make my life happen?

0:28:13.920 --> 0:28:16.240
<v Speaker 3>Yeah, I agree. I think planning from a place of

0:28:16.359 --> 0:28:19.320
<v Speaker 3>fear is good in small doses. Like I struggle with

0:28:19.359 --> 0:28:22.399
<v Speaker 3>this too, how to being a little bit too pessimistic about,

0:28:22.760 --> 0:28:24.960
<v Speaker 3>you know, my future when it comes to my finances,

0:28:25.000 --> 0:28:26.320
<v Speaker 3>and that makes me want to like hold on to

0:28:26.440 --> 0:28:28.840
<v Speaker 3>cash and not take any risks, which is bad because

0:28:28.840 --> 0:28:31.160
<v Speaker 3>like long term, it's better to try, you know, put

0:28:31.160 --> 0:28:33.320
<v Speaker 3>your money in the market because you have a lot

0:28:33.320 --> 0:28:34.760
<v Speaker 3>of years ahead of you and all that, so you

0:28:34.760 --> 0:28:39.040
<v Speaker 3>can afford to take some risk. I think it's we

0:28:39.080 --> 0:28:41.160
<v Speaker 3>all kind of lived through the last recession. I think

0:28:41.200 --> 0:28:44.960
<v Speaker 3>we've all experienced had our own. Everyone's got a recession story.

0:28:45.000 --> 0:28:47.080
<v Speaker 3>Everyone got kicked on their butt in some way, shape

0:28:47.160 --> 0:28:50.440
<v Speaker 3>or form. So I get while I I'm right there

0:28:50.480 --> 0:28:52.320
<v Speaker 3>with you, Like, I also just bought a house, and

0:28:52.360 --> 0:28:54.239
<v Speaker 3>I want to know, oh shit, did I buy at

0:28:54.240 --> 0:28:55.680
<v Speaker 3>the top of the market. We're about to hit another

0:28:55.720 --> 0:29:00.560
<v Speaker 3>housing crisis? What's happening? But I fortunately sit next to

0:29:00.640 --> 0:29:03.840
<v Speaker 3>a mortgage economist, So anytime I am afraid of the

0:29:03.880 --> 0:29:05.560
<v Speaker 3>market or what's happening, I just kind of go to

0:29:05.600 --> 0:29:09.280
<v Speaker 3>my buddy Tenda, and I'm like, so, please espash my fears.

0:29:10.240 --> 0:29:13.040
<v Speaker 3>The likelihood that we're going to have a recession like

0:29:13.080 --> 0:29:15.680
<v Speaker 3>the last one, it's pretty slim because that one was

0:29:15.760 --> 0:29:18.600
<v Speaker 3>driven by, in a lot of ways, just a lot

0:29:18.600 --> 0:29:22.280
<v Speaker 3>of bad acting in the mortgage industry, which due to

0:29:22.360 --> 0:29:24.920
<v Speaker 3>regulations that have been put in place, like aren't you know,

0:29:25.080 --> 0:29:29.400
<v Speaker 3>as possible anymore? Now the current administration could change that,

0:29:29.480 --> 0:29:33.080
<v Speaker 3>who knows, but I wouldn't plan your life around it.

0:29:33.160 --> 0:29:36.360
<v Speaker 3>And I feel like it's smart to think about moving

0:29:36.400 --> 0:29:40.400
<v Speaker 3>because moving is expensive. But you're talking about moving from

0:29:40.480 --> 0:29:43.080
<v Speaker 3>a really expensive place to a not so expensive place,

0:29:43.640 --> 0:29:46.760
<v Speaker 3>So think about how that would reduce your risk. You know,

0:29:46.880 --> 0:29:49.960
<v Speaker 3>if there were something, if you know, let's say another

0:29:50.000 --> 0:29:53.520
<v Speaker 3>downturn happens, at least you'd be in Georgia, where you know,

0:29:54.400 --> 0:29:57.880
<v Speaker 3>I can attest it's very nice in Georgia, nice and affordable,

0:29:58.400 --> 0:30:00.160
<v Speaker 3>versus being in a city like New York, where it's

0:30:00.200 --> 0:30:03.760
<v Speaker 3>really tough to live here when things get bad. And yeah,

0:30:04.720 --> 0:30:06.800
<v Speaker 3>like in terms of oh, go ahead.

0:30:06.680 --> 0:30:08.280
<v Speaker 1>Now, as I say, because you're right New York. It's

0:30:08.320 --> 0:30:10.880
<v Speaker 1>like what like, no matter what happens, new York, New

0:30:10.960 --> 0:30:11.720
<v Speaker 1>York is expensive.

0:30:11.800 --> 0:30:12.640
<v Speaker 2>That's just it just is.

0:30:13.200 --> 0:30:16.240
<v Speaker 3>Yeah, And you and your savings will go a lot

0:30:16.320 --> 0:30:18.320
<v Speaker 3>further in a place like Georgia. So while you're making

0:30:18.320 --> 0:30:20.480
<v Speaker 3>this New York City money, if you start putting away

0:30:20.520 --> 0:30:22.680
<v Speaker 3>your savings, just think how much more is this money

0:30:22.720 --> 0:30:24.720
<v Speaker 3>going to be worth? And I'm just saying Georgia, but

0:30:24.800 --> 0:30:26.720
<v Speaker 3>she mentions like in the South. Just think how much

0:30:26.760 --> 0:30:28.800
<v Speaker 3>more your money, your savings right now will be worth

0:30:28.880 --> 0:30:32.200
<v Speaker 3>once your cost of living is decreased by moving down south.

0:30:32.200 --> 0:30:34.360
<v Speaker 3>And I would take advantage of especially if you think

0:30:34.400 --> 0:30:36.760
<v Speaker 3>you'll have to take a price cut by moving to

0:30:36.800 --> 0:30:40.280
<v Speaker 3>the South, which could be the case, uh, just because

0:30:40.280 --> 0:30:42.560
<v Speaker 3>the costs of living is so much longer than typically

0:30:42.600 --> 0:30:45.440
<v Speaker 3>salaries and wages are too. If you think you're going

0:30:45.480 --> 0:30:47.760
<v Speaker 3>to take a price cut, then start saving aggressively now.

0:30:48.280 --> 0:30:50.000
<v Speaker 3>Then you'll have money in the bank when you go

0:30:50.080 --> 0:30:51.960
<v Speaker 3>down there. And you know, you have a nice little cushion,

0:30:52.360 --> 0:30:55.560
<v Speaker 3>because there's no better protection against the un the you know,

0:30:55.640 --> 0:31:00.800
<v Speaker 3>the unforseeable than a nice healthy emergency fund. And you know,

0:31:00.840 --> 0:31:02.440
<v Speaker 3>if you make sure you have jobs set up when

0:31:02.440 --> 0:31:05.240
<v Speaker 3>you're down there, and you don't buy a mc mansion

0:31:05.400 --> 0:31:08.280
<v Speaker 3>just because you're two hundred thousand dollars here is worth

0:31:08.280 --> 0:31:12.040
<v Speaker 3>a million in Georgia as long as you make as

0:31:12.040 --> 0:31:14.720
<v Speaker 3>long as you don't make you know, those types of mistakes.

0:31:14.760 --> 0:31:17.200
<v Speaker 3>And I think that I think that you you guys

0:31:17.240 --> 0:31:19.520
<v Speaker 3>will be fine. You know that being said without knowing

0:31:19.520 --> 0:31:21.600
<v Speaker 3>anything else about your financial situation.

0:31:22.200 --> 0:31:24.680
<v Speaker 1>Yeah, you know, I just I it's one of the reasons, honestly,

0:31:24.760 --> 0:31:26.840
<v Speaker 1>Like people ask like, why do you live so simply Tiffany,

0:31:26.880 --> 0:31:28.840
<v Speaker 1>I was like, well, one, huh, I've been there where

0:31:28.880 --> 0:31:31.160
<v Speaker 1>I'm like, yikes, well, you know, have you ever done

0:31:31.160 --> 0:31:33.440
<v Speaker 1>this many? I don't know if you've ever you know,

0:31:33.800 --> 0:31:36.080
<v Speaker 1>had and then like lost it and you start thinking

0:31:36.080 --> 0:31:37.680
<v Speaker 1>about every little part that you've made when you used

0:31:37.680 --> 0:31:39.479
<v Speaker 1>to have You're like, oh, I shouldn't have got them shoes.

0:31:39.560 --> 0:31:41.760
<v Speaker 2>Dang that McDonald's burger. I didn't even need all that

0:31:42.200 --> 0:31:43.720
<v Speaker 2>because you're thinking about adding.

0:31:43.480 --> 0:31:45.400
<v Speaker 1>Up all those little coins that you can use right

0:31:45.400 --> 0:31:47.960
<v Speaker 1>now where you don't have anything. But I just told

0:31:48.000 --> 0:31:51.160
<v Speaker 1>myself that I didn't want that to happen again, that

0:31:51.200 --> 0:31:54.080
<v Speaker 1>I was going to live well below my means, so

0:31:54.160 --> 0:31:56.200
<v Speaker 1>that way, you know, it's just should something happen that

0:31:56.760 --> 0:32:00.040
<v Speaker 1>I have, I have the space to recover, like I

0:32:00.080 --> 0:32:02.200
<v Speaker 1>have enough for a year to be like, okay, exyphany

0:32:02.600 --> 0:32:04.520
<v Speaker 1>everything has fallen apart, but we have a year to

0:32:04.520 --> 0:32:07.080
<v Speaker 1>figure it out, you know, yeah, exactly.

0:32:07.880 --> 0:32:11.920
<v Speaker 3>Yeah, So hang in there, tie and don't stress. I

0:32:11.960 --> 0:32:14.360
<v Speaker 3>love that you're paying attention, but don't let the headlines.

0:32:14.400 --> 0:32:16.800
<v Speaker 3>And honestly, you know what, sometimes these people write these

0:32:16.800 --> 0:32:18.960
<v Speaker 3>books and they come out with these headlines because they

0:32:18.960 --> 0:32:20.960
<v Speaker 3>want to get clicks, they want to get readership, and

0:32:21.000 --> 0:32:24.200
<v Speaker 3>of course being dramatic, as we know, is rewarded in

0:32:24.200 --> 0:32:26.800
<v Speaker 3>our country. So take it with a grain of salt.

0:32:27.040 --> 0:32:28.800
<v Speaker 3>No one can predict the future one hundred percent.

0:32:30.040 --> 0:32:31.000
<v Speaker 2>You gotta do you boo.

0:32:31.760 --> 0:32:48.360
<v Speaker 4>Yeah, ah a, y'all until next week, stay brown, stay ambitious.

0:32:48.400 --> 0:32:54.520
<v Speaker 2>Oh I'm gonna end like that every time. Okay, until

0:32:54.520 --> 0:32:54.960
<v Speaker 2>I forget.

0:32:55.000 --> 0:32:56.360
<v Speaker 3>You get all the good cash lines.

0:32:57.280 --> 0:32:58.600
<v Speaker 2>Well you can end with it. You can end it

0:32:58.600 --> 0:32:59.560
<v Speaker 2>with that. Okay, we'll do it again.

0:32:59.720 --> 0:33:00.760
<v Speaker 3>No, I'm a team player.

0:33:00.800 --> 0:33:01.120
<v Speaker 2>It's fine.

0:33:01.160 --> 0:33:01.600
<v Speaker 3>I'm kidding.

0:33:02.360 --> 0:33:04.040
<v Speaker 1>And you know I'm gonna forget first of all, because

0:33:04.200 --> 0:33:06.280
<v Speaker 1>I only remember the stories that I tell twenty times.

0:33:06.280 --> 0:33:08.440
<v Speaker 3>I don't remember what I was thinking, but I didn't

0:33:08.440 --> 0:33:14.040
<v Speaker 3>say it. I'm sure you will. You will, let's say

0:33:14.080 --> 0:33:14.920
<v Speaker 3>go catchphrase.

0:33:16.160 --> 0:33:17.840
<v Speaker 2>Is he gonna be like I'm telling you already. I'm

0:33:17.840 --> 0:33:19.200
<v Speaker 2>gonna be like, what did I say last week? Mandy?

0:33:19.240 --> 0:33:20.800
<v Speaker 1>I'm like with Meanwhile, tell me to tell you a

0:33:20.840 --> 0:33:23.560
<v Speaker 1>story from nineteen seventy five, and I'm like, gotcha.

0:33:25.880 --> 0:33:26.160
<v Speaker 2>All right?

0:33:26.720 --> 0:33:27.560
<v Speaker 3>Lovely lashes on