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Speaker 1: Hey, Hey, Hey, we're back.

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Speaker 2: We're black, We're brown Ambition.

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Speaker 3: Hey, and Andrew, Hey, mis s, Tiffany.

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Speaker 1: I think that.

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Speaker 2: Brown Ambishin is reaching just just a myriad of amazing people, honestly.

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Speaker 2: So one of my friends, Alex Hardy, Hey, Alex, he

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Speaker 2: posted the the uh, what was that thing I was

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Speaker 2: talking about last week?

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Speaker 1: The genius zone?

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Speaker 3: Right, the Zone of Excellence, right, zone of Genius.

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Speaker 1: Meanwhile, I should know, but.

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Speaker 3: We called them the Zone of Excellence the entire show

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Speaker 3: last week. Zone of Genius.

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Speaker 2: Okay, yes, but he posted it and he got it right.

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Speaker 2: But I just thought that it was so great to

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Speaker 2: see he was just sharing how helpful it was, and

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Speaker 2: he shared on his socials and people were like, oh

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Speaker 2: my gosh, this is so great. So I just thought

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Speaker 2: that that that was really awesome, that we're really just

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Speaker 2: helping people. And I love the fact that CALLI, who

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Speaker 2: edits our show, put a lot of that in our

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Speaker 2: show notes. So if you hear us talk about something

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Speaker 2: really interesting, you'll be able to find those links to

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Speaker 2: those things in the show notes.

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Speaker 1: Largely.

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Speaker 2: So, I just think that branham Bish's out here kicking

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Speaker 2: butt and taking names. Oh and someone messaged me and said, girl,

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Speaker 2: I too grew up saying coochie crunch, And.

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Speaker 1: Yes, I'm saying it again. Literally, it just means tight

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Speaker 1: and tight quarters.

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Speaker 3: And she was, I need this definition. I had never

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Speaker 3: heard this before.

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Speaker 2: Okay, and just be like, Okay, So me and my

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Speaker 2: best friend we hang out all the time, you know,

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Speaker 2: we're like you know, I'm trying to think.

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Speaker 1: I don't know.

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Speaker 2: I just use it when you're supposed to use it.

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Speaker 2: It just means like you're it just means in tight proximity.

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Speaker 2: So figuratively or literally, in type proximity, that's what that means,

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Speaker 2: loving like, oh we're best friends. For girl, we all

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Speaker 2: kuchi crunch be best friends. So at the time, you know,

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Speaker 2: saying it in third grade, I'm sure I didn't realize

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Speaker 2: it how I must have sounded. But I don't know

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Speaker 2: the origins of such saying. But I do know that

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Speaker 2: where I grew up, there was something that we said

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Speaker 2: and it wasn't It wasn't a bad word, at least

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Speaker 2: not the one that I knew of. But it was

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Speaker 2: hilarious that someone else dm me was like girls.

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Speaker 1: She says.

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Speaker 2: She howled when she heard it. Was like I grew

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Speaker 2: up saying that too. So yeah, so Bran a Bischen

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Speaker 2: is out here changing lives and reminding people of their

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Speaker 2: their non traditional upbringing.

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Speaker 3: Okay, I love it and honestly thank you. I don't

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Speaker 3: know if that was a pep talk, but it made

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Speaker 3: me feel a lot better. Kuchi Crunch, All right, well

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Speaker 3: listen this. Like I said, it's been rough, but the one,

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Speaker 3: the one shining light, I think for both of us,

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Speaker 3: has been the podcast. Right over the past five months

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Speaker 3: of quarantine, this show has given us life and our

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Speaker 3: listenership is up, and I just want to say hello

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Speaker 3: and thank you to all of our new listeners. And

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Speaker 3: also we don't usually do this, but we want to

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Speaker 3: ask you for something. Could you guys help support the

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Speaker 3: show by sharing it with a friend, posting it on

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Speaker 3: social or even going to iTunes and leaving a comment

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Speaker 3: and a star rating. That would be amazing. Oh man,

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Speaker 3: did it sound bitchy?

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Speaker 1: No? No, it's meaning.

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Speaker 3: Like what Oh wait, I'm just doing it now. I'm

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Speaker 3: apologizing for asking for a thing and I shouldn't do that, right, Yeah,

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Speaker 3: that was.

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Speaker 1: A drama triangle.

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Speaker 2: So you're worried about for being perceived as the not

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Speaker 2: the predator, it's it's actually the p it's the persecutor person.

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Speaker 2: It's like that people are gonna perceive me as someone

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Speaker 2: who's like, oh, but no. We're just basically asking.

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Speaker 1: Can you share this podcast with folks please?

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Speaker 3: You're right, it is not too much to ask. Yes. Well,

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Speaker 3: let's be specific. Okay, so what are we asking you

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Speaker 3: guys for? If you want to share on social why

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Speaker 3: don't you take a screenshot of the show or you

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Speaker 3: can even now with the iPhones, you can record a

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Speaker 3: video of your what you're viewing on your phone. So

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Speaker 3: a lot of people have been taking little snippets of

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Speaker 3: our show that they like, little nuggets, little quotes, and

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Speaker 3: they have been creating soundbites and posting those on Insta.

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Speaker 3: That's a good idea, even just a screenshot shared on Insta,

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Speaker 3: on Facebook, or just tell a friend, to tell a friend,

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Speaker 3: and especially if you want to help us rise in

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Speaker 3: the rankings on the All Important iTunes leaving us a

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Speaker 3: comment and leaving a rating on our show, I think

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Speaker 3: we're we usually are like a four point eighty five

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Speaker 3: star rating. I mean that is amazing. Thank you guys.

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Speaker 3: Just any little extra nudge you can give us is great.

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Speaker 2: Yes, so I just yeah, we're just going to ask that,

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Speaker 2: and we're going to ask that every show because we're

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Speaker 2: just like, you know, I feel like we show up,

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Speaker 2: we show out, and we would love for the people

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Speaker 2: that you care about if you love our show, I'm

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Speaker 2: sure they would love it too. So yeah, tag us

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Speaker 2: Share definitely, tag us Broad Ambition podcast on IG I

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Speaker 2: Am the Budgetista.

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Speaker 1: Mandy is Mandy with an E money Bless you Child. Yeah.

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Speaker 2: I love when you tad because and I always reshare

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Speaker 2: it and so it just gives me a little smiley.

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Speaker 3: So yeah, Well, thank y'all.

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Speaker 1: So how have you been since last week? Since time

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Speaker 1: we spoke.

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Speaker 3: Last You know what, let me be honest, I think

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Speaker 3: I've told y'all about the fact that my husband is

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Speaker 3: now going into the office two days a week and

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Speaker 3: it has really changed. Well it's changed, you know, two

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Speaker 3: days a week. I know I'm not going to have help.

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Speaker 3: And it's been a few weeks now, or maybe it's

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Speaker 3: been two or three. I don't know. All concept of

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Speaker 3: time has like gone out the window. But I do

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Speaker 3: feel like I'm doing okay. That being said, clearly, I

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Speaker 3: am more tired on those days and I'm not gonna lie,

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Speaker 3: I'm a little jealous, Like I'm going back to those

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Speaker 3: days of maternity leave when my husband, you know, he

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Speaker 3: only had six weeks off for parental leave, so he

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Speaker 3: had to go back to work and I was home

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Speaker 3: six weeks in alone, didn't have any help because I

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Speaker 3: was stubborn and proud and all those things that you

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Speaker 3: know you shouldn't be. But what are you going to

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Speaker 3: do with your postpartum anxiety brain? But so I am

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Speaker 3: a little jealous. I mean I think about him on

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Speaker 3: the train, those like forty minutes He gets to think

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Speaker 3: whatever he wants to think uninterrupted. Like that just sounds great.

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Speaker 3: It sounds like a dream in general, though, Yeah, I'm coping.

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Speaker 3: What I've tried to do with my schedule is stack

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Speaker 3: most meetings and schedule focus time for myself. Like I

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Speaker 3: actually found out through the Outlook. Our company uses Outlook,

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Speaker 3: that you can you can create a calendar and you

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Speaker 3: can activate this tool that actually finds one to two

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Speaker 3: hours of focus time on your calendar and it will

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Speaker 3: schedule focus time. So when I look at my calendar,

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Speaker 3: no one can book a meeting during that time. And

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Speaker 3: I know every day, my handy dandy I don't know

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Speaker 3: what do you call it? An algorithm, an AI, a bot?

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Speaker 3: My mail bot has carved out time for my schedule,

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Speaker 3: which has helped.

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Speaker 2: That.

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Speaker 3: Being said, you know, I continue to be so grateful

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Speaker 3: for the flexibility that my colleagues have offered me, the

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Speaker 3: fact that I don't have to worry about having a

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Speaker 3: baby in the background, and I can reschedule things, and

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Speaker 3: I have, and I hope a lot of you guys

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Speaker 3: are out there now have gotten used to asking for

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Speaker 3: that flexibility, and you know, you don't feel guilty about it.

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Speaker 3: There's nothing like I'm only going to stress myself out

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Speaker 3: and get burnt out and not be able to with

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Speaker 3: the time that I do have to devote to work,

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Speaker 3: not bring my full best self to work if I

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Speaker 3: do not take charge of my schedule and make it

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Speaker 3: work for me. And yeah, I'm grateful for that. And

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Speaker 3: as far as I'm concerned, will we continue without child

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Speaker 3: care for the time being, Yes, I will say, though

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Speaker 3: I'm grateful that my company's offered a little bit of

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Speaker 3: a stipend that I could possibly use for babysitting or

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Speaker 3: some childcare. I just don't know if mentally I'm ready

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Speaker 3: to have someone in the house holding my child. But yeah,

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Speaker 3: we're hanging in there. And to any parents you guys

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Speaker 3: are listening to the show, what are you guys doing

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Speaker 3: for childcare? What are you doing about school? You know,

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Speaker 3: school starting in the fall. We'd love to hear from

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Speaker 3: you guys. Hit us up, share your stories. Brannambissionpodcasts at

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Speaker 3: gmail dot com or you know, you can always find

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Speaker 3: us on Instagram at brown Ambition, at Brownibission Podcasts on

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Speaker 3: the Gram.

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Speaker 1: I can't even imagine.

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Speaker 2: I saw far News, one of our financial faiths, talk

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Speaker 2: about like school and she reached she recently moved to Jersey.

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Speaker 1: And she's almost a neighbor. I mean, she doesn't live

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Speaker 1: in New York.

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Speaker 2: But I'm just saying, like where she listen is not

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Speaker 2: it's not I mean, Jersey's like, you know, relatively not

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Speaker 2: that big.

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Speaker 1: So anyway, hey news, Hey, And she.

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Speaker 2: Was talking about that that you know, they're trying to debate,

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Speaker 2: like I think she decided that they're not going to

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Speaker 2: send their kids back to school and she knows that

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Speaker 2: everyone doesn't have the ability to do so, and like,

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Speaker 2: what do you do? It's just such a crazy time

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Speaker 2: because I'm you know, Supergirl is thirteen and she is

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Speaker 2: supposed to go to high school? What does that look like?

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Speaker 2: And so it's her first year and she's excited, and

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Speaker 2: it's like, is that even gonna happen? I honestly don't know.

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Speaker 2: It's easier for my nieces and my nephew because they're

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Speaker 2: so little.

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Speaker 1: They're all under the age of four.

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Speaker 2: So one more year home is not a big eat,

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Speaker 2: because you know, kindergarten is something that if you don't

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Speaker 2: you know, if you don't make it, you know, if

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Speaker 2: you don't go to kindergarten, you can still be fine

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Speaker 2: for first grade.

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Speaker 1: So yeah, it's.

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Speaker 2: Just just figuring out. Like watching the parents in my

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Speaker 2: life figure that out. I can't even imagine the level

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Speaker 2: of stress and worry.

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Speaker 3: So well, we are here for you, guys, and alongside

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Speaker 3: you guys and TI if you're right, I mean a teenager,

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Speaker 3: like the older kids are the ones who are really suffering. Well,

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Speaker 3: if you guys are out there, if you have any like,

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Speaker 3: what are you guys doing? What are you doing about summercare?

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Speaker 3: It's crazy that most of the country, it feels like

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Speaker 3: schools have not even made an announcement about what the

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Speaker 3: school year is going to look like and that's coming up.

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Speaker 3: So if you've got stories again, hit us up Brown

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Speaker 3: Ambition at gmail dot com or hit us up on Instagram.

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Speaker 3: We are at Branna Bisson podcast on the gram. But anyway,

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Speaker 3: what's happening in your world? Tip catch me up?

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Speaker 2: Well, I did, like a grown up thing, like this week,

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Speaker 2: I increased my life insurance for both my personal But did.

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Speaker 1: You always also know that, Like I.

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Speaker 2: Were meeting with so for the business, we were like, okay,

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Speaker 2: we are not covered enough because the business is doing better.

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Speaker 2: So you're always wanting to make sure that you have

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Speaker 2: enough insurance just in case for the business.

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Speaker 1: And something came up that perhaps me.

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Speaker 2: You know, two of my businesses have a business partner

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Speaker 2: and just figuring out should we have life insurance on

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Speaker 2: each other because we both play a pivotal role in

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Speaker 2: the business. So I never thought about that. So we

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Speaker 2: met with our agent today. Shout out to you, David Moore,

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Speaker 2: so we I think we're going to go through with it.

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Speaker 2: And I was actually surprised at the cost. It wasn't

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Speaker 2: as costly as I thought. So I'll give you guys

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Speaker 2: a like a for three million dollar for me for

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Speaker 2: I think you said it was like a twenty years,

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Speaker 2: so that means you're locking that way for twenty years.

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Speaker 2: It was like sixteen hundred dollars a month, not a

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Speaker 2: month a year. So that's not bad at all, right,

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Speaker 2: sixteen hundred dollars, So what is that like not a

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Speaker 2: little over one hundred bucks a month to get three

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Speaker 2: million dollars for the year. So it was actually more.

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Speaker 2: I guess I was thinking. I don't know that it

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Speaker 2: was going to be significantly more.

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Speaker 1: So we're just.

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Speaker 2: Looking into that because so if I were not to

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Speaker 2: be here that income. So one of the main reasons

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Speaker 2: why you would have life insurance on your business partner

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Speaker 2: is that it would help if you're going to buy

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Speaker 2: out their interest. So let's just say I'm not here,

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Speaker 2: my business partner is not trying to be in business

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Speaker 2: with my husband. So having, you know, depending on how

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Speaker 2: much we decide, having insurance on me means that like,

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Speaker 2: once wants that money is you know, received, he can

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Speaker 2: potentially say, hey, you know, I had the company audited

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Speaker 2: or whatever, and this is how much it's worth, and

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Speaker 2: this is how much Tiffany's percentage is worth. I want

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Speaker 2: to buy you out, and here's the money.

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Speaker 1: To do so.

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Speaker 2: So I just like, you know, if you have businesses,

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Speaker 2: these are things you think about. You're like, wow, it's

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Speaker 2: something that I did, Like is let's just say, I

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Speaker 2: don't know. We go going about our business and we

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Speaker 2: decide later that we sell the business. In ten years

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Speaker 2: and done, dada da, both of us are still alive.

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Speaker 2: What's so great is that we can then change the

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Speaker 2: beneficiaries on our insurance policy, so it doesn't like go

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Speaker 2: to waste, like, oh.

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Speaker 1: Well, I don't want that.

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Speaker 2: I no longer have the business and my business partner

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Speaker 2: is the beneficiary for this insurance policy when we're no

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Speaker 2: longer business partners. So it's just something I never thought

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Speaker 2: about before, and now that we're doing I'm like, oh,

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Speaker 2: I feel so grewn Up's especially since Superman and I

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Speaker 2: increased our life insurance policies, like personally, so it was

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Speaker 2: my life Angelie, who's my financial planner, that was like,

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Speaker 2: you know, also look at your business and make sure

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Speaker 2: that you are fully insured.

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Speaker 1: There sometimes insurance you think it's going to cost so much.

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Speaker 2: Like I remember when Angelae first met my husband and I,

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Speaker 2: she's like, you don't have enough of an umbrella policy

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Speaker 2: or enough of you're underinsured and I was like, oh,

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Speaker 2: what does that mean. She's like, I A would suggest

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Speaker 2: you get a million dollar umbrella policy. I was like,

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Speaker 2: oh boy, how much is that going to cost? It

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Speaker 2: was like four hundred dollars for the year.

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Speaker 3: Oh wow.

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Speaker 1: I was like, oh weka.

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Speaker 2: So you know, sometimes we're afraid of insurance because we

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Speaker 2: think it's going to be so costly, But sitting down

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Speaker 2: with someone to talk about it is, you know, worst

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Speaker 2: thing you can hear is I mean worst case? You know,

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Speaker 2: maybe it's something you can't afford right now, but it

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Speaker 2: might be more affordable than you think and really save

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Speaker 2: you a ton of money in the long run.

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Speaker 3: I love saving money. And when it comes to shopping

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Speaker 3: for life insurance policy, what's that sight You always mentioned

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Speaker 3: policy GENI I love policy genis right, So that was

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Speaker 3: one of the ones that I used when I was

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Speaker 3: shopping for life insurance policy. And also you have quote Wizard,

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Speaker 3: do you have value Penguin? There are plenty of options

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Speaker 3: out there to help you compare the cost and really

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Speaker 3: know that you're getting the best deal possible because they

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Speaker 3: can vary widely. I mean, there's so many factors that

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Speaker 3: go into policy differences. But Tiff you know what I

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Speaker 3: love about doing this show with you is you have

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Speaker 3: the same effect on me as when I see like

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Speaker 3: the Kardashians on Instagram or my friends who are traveling

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Speaker 3: and rocking the latest clothes and having fabulous lives. Like

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Speaker 3: you make me jealous of your life insurance policy and

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Speaker 3: I'm like, oh shit, I need to get my stuff

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Speaker 3: together and get my life insurance together. I still don't

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Speaker 3: have insurance. Really still don't have life insurance. No. It

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Speaker 3: was one of my first to dos after I had

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Speaker 3: the kiddo, the baby, and I waited until about February

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Speaker 3: March when the flog had finally lifted, and I could,

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Speaker 3: you know, look at look at different policies. And then

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Speaker 3: COVID hit and it's been hard to book an appointment

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Speaker 3: and then when I finally had one booked, it was

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Speaker 3: canceled last minute, and I haven't had a chance to read.

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Speaker 3: I just need to. I think I need to just

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Speaker 3: start from scratch and start again.

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Speaker 1: You can steal.

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Speaker 2: So the good thing is so because of COVID, it

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Speaker 2: actually is like a great time that to get a policy,

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Speaker 2: so Angelie told me, she said, Angelie was like, this

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Speaker 2: is a great time because a lot of people are like,

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Speaker 2: I'm not coming out now. It all depends on the company.

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Speaker 2: So for example, my business policy, they're like, we're coming out.

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Speaker 2: But for the personal policy, the insurance company was like, no,

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Speaker 2: we're not coming out. We'll just have a we'll have

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Speaker 2: a call where you know, they ask all your business.

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Speaker 2: So I was like, oo, who, so it actually, if

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Speaker 2: you're interested in life insurance, you know, now might be

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Speaker 2: a really great time because there's a lot there's a

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Speaker 2: possibility that they don't actually come out.

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Speaker 1: To see you.

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Speaker 2: And yeah, so I definitely would look into it.

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Speaker 3: Now, Okay, one hundred percent. Yeah, I think too. My

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Speaker 3: hang up was about cost, and I don't know why

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Speaker 3: I didn't just think of it the same way I

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Speaker 3: thought about health insurance. When I was talking to my

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Speaker 3: financial advisor a couple of years ago. She was trying

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Speaker 3: to help me shop for policies, and she was like, yeah,

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Speaker 3: it's to cost one hundred whatever per month for this

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Speaker 3: or that, and I'm like, wait, I'm going to spend

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Speaker 3: money monthly, but like, what if I don't die, that

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Speaker 3: just wastes all that money that I spend. And she's like, yeah, Mandy,

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Speaker 3: that is how life insurance works. Is how any insurance works.

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Speaker 3: You pay so that you're prepared for the worst, but yeah,

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Speaker 3: you hope that the worst doesn't happened, but yeah, you

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Speaker 3: got to pay. My pet is insured. Like, why don't

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Speaker 3: I have a life insurance policy? This is insane. I've

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Speaker 3: got to do it.

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Speaker 1: You know what it is.

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Speaker 2: It starts with an M and it's called marketing. The

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Speaker 2: life insurance company people have done an amazing job of

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Speaker 2: tricking you into thinking that life insurance is an investment.

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Speaker 1: It is not. It's insurance. It is a risk management tool.

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Speaker 1: So you don't say to.

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Speaker 2: Yourself, oh my god, my cat didn't die, what happens

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Speaker 2: to my pet insurance? You rejoice that your fur baby

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Speaker 2: is still here.

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Speaker 3: Yeah, at this point, I value Molly's life more more

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Speaker 3: than my own, I guess.

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Speaker 2: Oh Molly, But no, I think that people need to

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Speaker 2: understand that there's like, you know, there's term and then

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Speaker 2: there's permanent. So typically when you hear permanent, you're thinking, like,

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Speaker 2: whole life are universal? And so I asked, Angelie, is

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Speaker 2: term is permanent or universal? You know? Ever a good

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Speaker 2: idea that's the insurance policy where there's like cash value

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Speaker 2: and people say you can bar against it and YadA YadA, YadA,

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Speaker 2: and that's the one where it's like it's an investment.

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Speaker 2: And I said, is that ever really a good idea?

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Speaker 2: She said, honestly, for like ninety nine point nine percent

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Speaker 2: of people, it's term. I mean, term is the best

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Speaker 2: way to go. She's like, unless you're extremely, extremely extremely wealthy,

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Speaker 2: then you have so much excess money that you have

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Speaker 2: to stash it somewhere. That's where whole life and universal

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Speaker 2: so permanent policies might make sense. But she was like, literally,

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Speaker 2: for ninety nine point nine to nine percent of people,

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Speaker 2: they just don't make sense. It's a loss of money

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Speaker 2: over time. So I actually what I did was I said, well,

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Speaker 2: let me see so I think I had. I went

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Speaker 2: to policy Genius to check like prices and you can

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Speaker 2: do this to see So I type in like thirty

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Speaker 2: year old healthy woman for a million dollar policy for

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Speaker 2: for term, and I did a thirty year policy thirty

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Speaker 2: year term policy, so meaning like for thirty years you

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Speaker 2: pay the same amount of money.

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Speaker 1: It's locked in. And I want to say, it was

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Speaker 1: like I don't even know.

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Speaker 2: Maybe it was like uh forty bucks a month, Yes,

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Speaker 2: it was forty three dollars a month.

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Speaker 1: That's how much for a million dollar policy locked in

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Speaker 1: for thirty years.

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Speaker 2: Now, that same thirty year old, if they wanted to

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Speaker 2: get a whole life policy for a million dollars, it

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Speaker 2: was going to cost them seven hundred and sixty thousand

395
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Speaker 2: dollars a month. Seven hundred and sixty. I met seven

396
00:18:38,080 --> 00:18:40,159
Speaker 2: hundred and sixty dollar lot, that's where I met. But

397
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Speaker 2: isn't that crazy the difference of like six ninety so

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00:18:43,520 --> 00:18:48,040
Speaker 2: almost seven hundred dollars difference, Like that's you know, that's crazy.

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Speaker 2: And so instead you can get your term, get your

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Speaker 2: term for thirty years, and then that excess money that

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Speaker 2: you would think that you would put into whole life

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00:18:55,359 --> 00:18:59,040
Speaker 2: to I guess in quote unquote invest, you can actually invest.

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Speaker 2: So yeah, honestly, there are those who are like whole

404
00:19:02,400 --> 00:19:07,000
Speaker 2: life champions, but truthfully, just after like speaking to a

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Speaker 2: bunch of reputable financial advisors and planners, whole Life is

406
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Speaker 2: honestly not It's not a choice that fits for most people,

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Speaker 2: meaning literally like everybody except for the uber uber uber wealthy.

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Speaker 2: So if you are looking for insurance, term is likely

409
00:19:24,880 --> 00:19:28,879
Speaker 2: your best bet getting enough insurance that if you have

410
00:19:29,000 --> 00:19:34,240
Speaker 2: children that would cover them into adulthood, because ultimately, insurance

411
00:19:34,280 --> 00:19:38,919
Speaker 2: is supposed to be the money that would be shared

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Speaker 2: with the folks that you would be taking care of

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Speaker 2: taking care of that you're currently taking care of. So like,

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Speaker 2: for example, if you had a baby and you're like, Okay,

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Speaker 2: I'm going to get a term policy for thirty years

416
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Speaker 2: because if something happened to me, I know that up

417
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Speaker 2: until this child is thirty, the income that I currently have.

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Speaker 1: Will be able to support my child when I'm no

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Speaker 1: longer here.

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Speaker 2: Rule of thumb that Angelie shared with me is that

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Speaker 2: for the most part, you think about your annual salary

422
00:20:04,720 --> 00:20:07,480
Speaker 2: and you multiply that times ten, so it's enough for

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Speaker 2: ten years of you not being here that the family

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00:20:11,280 --> 00:20:14,080
Speaker 2: that you take care of will be able to still

425
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Speaker 2: continue with as if your income never went away. So

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Speaker 2: if you make one hundred thousand dollars a year, you

427
00:20:19,600 --> 00:20:23,440
Speaker 2: would be looking for a million dollar policy. So yeah,

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Speaker 2: so I think that you know, I know, life insurance

429
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Speaker 2: is not a fun thing to talk about, but it's

430
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Speaker 2: really an important component of your financial life and we

431
00:20:31,560 --> 00:20:34,760
Speaker 2: should all have insurance if it makes sense. If you're

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Speaker 2: taking care of people and they depend on your income

433
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Speaker 2: or if you would leave behind a significant amount of

434
00:20:39,680 --> 00:20:41,720
Speaker 2: debt that would need to be taken care of, then

435
00:20:41,840 --> 00:20:44,880
Speaker 2: life insurance is likely an option you should look into.

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Speaker 3: I love that we just turned this into the life

437
00:20:47,600 --> 00:20:51,960
Speaker 3: insurance episode. Again, there's not a more important topic. So

438
00:20:53,280 --> 00:20:56,320
Speaker 3: hope you guys found this helpful. But let's switch gears

439
00:20:56,320 --> 00:20:58,960
Speaker 3: a little bit because I wanted to talk about what

440
00:20:59,040 --> 00:21:02,040
Speaker 3: is happening when the next round of stimulus payments are

441
00:21:02,040 --> 00:21:05,879
Speaker 3: they coming? What's happening with unemployment benefits? So I'm going

442
00:21:05,920 --> 00:21:06,760
Speaker 3: to catch you all up.

443
00:21:09,160 --> 00:21:11,480
Speaker 1: Yes, yes, yes, yes, like me up.

444
00:21:11,520 --> 00:21:13,879
Speaker 3: Height man, hype man. Yeah, So what's happening is I mean,

445
00:21:13,920 --> 00:21:17,760
Speaker 3: it actually sounds like the folks on Capitol Hill might

446
00:21:17,760 --> 00:21:19,960
Speaker 3: come to some sort of bipartisan agreement. But what's on

447
00:21:20,000 --> 00:21:23,000
Speaker 3: the table right now is stimulus check and or the

448
00:21:23,040 --> 00:21:28,320
Speaker 3: extension of the extra six hundred dollars federal Unemployment Assistant payment.

449
00:21:28,720 --> 00:21:30,720
Speaker 3: So this this hits home for me. As I've told

450
00:21:30,800 --> 00:21:33,640
Speaker 3: you guys, my dad lost his job very early into

451
00:21:33,680 --> 00:21:37,560
Speaker 3: the pandemic into quarantine back in March earlier this year.

452
00:21:37,600 --> 00:21:40,359
Speaker 3: He's a drug bus driver for the public transit system

453
00:21:40,400 --> 00:21:44,680
Speaker 3: in Atlanta, and he was immediately furloughed, and he has

454
00:21:44,760 --> 00:21:47,960
Speaker 3: been really relying on his state unemployment check, but also

455
00:21:48,000 --> 00:21:51,959
Speaker 3: that extra six hundred dollars at the federal government offered

456
00:21:52,000 --> 00:21:56,159
Speaker 3: to the unemployed with the first iterance of the Cares

457
00:21:56,200 --> 00:21:59,840
Speaker 3: Act back in April. So he is about to see

458
00:21:59,840 --> 00:22:02,399
Speaker 3: that extra six hundred dollars go away like millions of

459
00:22:02,400 --> 00:22:05,200
Speaker 3: others at the expires basically the end of this week,

460
00:22:06,200 --> 00:22:09,040
Speaker 3: and right now Congresses just can't decide if they're going

461
00:22:09,040 --> 00:22:12,080
Speaker 3: to extend it or not. But it looks like finally

462
00:22:12,080 --> 00:22:15,399
Speaker 3: Mitch McConnell has come out and said, Okay, maybe we

463
00:22:15,480 --> 00:22:19,480
Speaker 3: don't agree exactly on how we're going to continue offering assistance,

464
00:22:19,560 --> 00:22:22,000
Speaker 3: but they acknowledge that there needs to be some form

465
00:22:22,040 --> 00:22:25,320
Speaker 3: of additional assistance for people, which is good, but of course,

466
00:22:25,440 --> 00:22:29,399
Speaker 3: like conservatives being conservatives, what they don't want is to

467
00:22:29,480 --> 00:22:33,119
Speaker 3: create a situation where people are able to collect with

468
00:22:33,160 --> 00:22:36,840
Speaker 3: the additional federal unemployment assistance more money than they earned

469
00:22:36,880 --> 00:22:39,439
Speaker 3: when they were working. Like God forbid, you give them

470
00:22:39,440 --> 00:22:42,040
Speaker 3: an extra few hundred bucks and they were probably making before.

471
00:22:42,280 --> 00:22:46,119
Speaker 3: And you know, I don't know why they're so you know,

472
00:22:46,560 --> 00:22:49,840
Speaker 3: focusing on that, but you know, they kind of hate

473
00:22:49,880 --> 00:22:52,560
Speaker 3: all forms of social welfare, and they're probably thinking of

474
00:22:52,560 --> 00:22:55,159
Speaker 3: this as a social welfare program because that's what it is.

475
00:22:55,200 --> 00:22:59,080
Speaker 3: We need to help the people anyhow, It's it'll be

476
00:22:59,119 --> 00:23:01,560
Speaker 3: interesting to see what they come up with. I've read

477
00:23:01,640 --> 00:23:05,000
Speaker 3: reports that say it could be three hundred dollars instead

478
00:23:05,040 --> 00:23:08,639
Speaker 3: of six hundred dollars. But hopefully something happens. And if

479
00:23:08,720 --> 00:23:12,480
Speaker 3: y'all ever wanted a reason to contact your local representative

480
00:23:12,880 --> 00:23:15,920
Speaker 3: or your state representative in Congress or Senate, like now

481
00:23:15,920 --> 00:23:17,800
Speaker 3: it's the time to phone them, especially if you're in

482
00:23:17,800 --> 00:23:22,000
Speaker 3: a red state, and let them know that that let

483
00:23:22,000 --> 00:23:23,760
Speaker 3: them know your story, if you have a story to share,

484
00:23:23,800 --> 00:23:26,080
Speaker 3: a story of your neighbor or your cousin or your family,

485
00:23:26,280 --> 00:23:27,679
Speaker 3: let them know that you're a real person, you have

486
00:23:27,720 --> 00:23:29,879
Speaker 3: real stories, and we need this assistance.

487
00:23:30,960 --> 00:23:34,400
Speaker 2: That would be so helpful because I know, like there's

488
00:23:34,440 --> 00:23:37,720
Speaker 2: just so many people who quite honestly need that. And

489
00:23:37,800 --> 00:23:41,840
Speaker 2: so what happens if you're not able to work and

490
00:23:41,920 --> 00:23:44,840
Speaker 2: there's no money coming in and it's not a matter of, oh, well,

491
00:23:45,080 --> 00:23:48,359
Speaker 2: I'll just interview for another job. It's like, well, not

492
00:23:48,400 --> 00:23:50,120
Speaker 2: to say that there are no jobs to be had,

493
00:23:50,560 --> 00:23:52,879
Speaker 2: but it's just such a crazy time I think we

494
00:23:52,960 --> 00:23:55,399
Speaker 2: just can't leave people out here without some sort of

495
00:23:55,480 --> 00:23:59,119
Speaker 2: help on assistance, like COVID is not their fault, pandemic

496
00:23:59,520 --> 00:24:01,040
Speaker 2: quarantine and it's not their faults.

497
00:24:01,080 --> 00:24:03,680
Speaker 3: So yes, please, can we at least agree on that

498
00:24:04,160 --> 00:24:07,240
Speaker 3: that no one saw this coming and it's way more

499
00:24:07,280 --> 00:24:12,320
Speaker 3: than anyone's rainy day fund could ever supplement, especially with

500
00:24:12,359 --> 00:24:15,199
Speaker 3: where we were at financially as a country when this

501
00:24:15,280 --> 00:24:18,520
Speaker 3: all went down. Well, let's take a quick break and

502
00:24:18,560 --> 00:24:21,240
Speaker 3: we will be right back to answer y'all's questions.

503
00:24:21,600 --> 00:24:24,679
Speaker 2: Let's dig into questions quat the questions quate. That's like

504
00:24:25,000 --> 00:24:29,120
Speaker 2: a toun twister, the questions quate. Yeah, yeah, anyway, let's

505
00:24:29,119 --> 00:24:29,399
Speaker 2: do that.

506
00:24:29,880 --> 00:24:32,320
Speaker 3: You're too talented. I can't do that. Not my thing,

507
00:24:32,920 --> 00:24:36,520
Speaker 3: not a thing, not a JM no, all right, be

508
00:24:36,720 --> 00:25:11,320
Speaker 3: right back to answer your question. Okay, let's wait. I'm

509
00:25:11,320 --> 00:25:12,920
Speaker 3: gonna wait. I just said I wasn't gonna say it,

510
00:25:12,960 --> 00:25:16,200
Speaker 3: but I'm gonna try. Let's crack open that question, crate.

511
00:25:16,520 --> 00:25:17,360
Speaker 1: Oh you did it.

512
00:25:17,520 --> 00:25:20,840
Speaker 3: I did it, and I added an extra uh, an

513
00:25:20,880 --> 00:25:24,760
Speaker 3: extra crack to that. Okay, we how can we how

514
00:25:24,800 --> 00:25:27,119
Speaker 3: can they send us a question? I am very tired.

515
00:25:27,240 --> 00:25:32,200
Speaker 3: I need to get it together. Brand and Vision podcast. Yes,

516
00:25:32,720 --> 00:25:34,840
Speaker 3: you can also send M Yes.

517
00:25:34,880 --> 00:25:37,199
Speaker 2: I was cool, look at me tell us what you

518
00:25:37,200 --> 00:25:40,280
Speaker 2: could d M must add Brand and Vision podcast on

519
00:25:40,680 --> 00:25:43,960
Speaker 2: I G. We love those. Yeah, so send your questions

520
00:25:44,040 --> 00:25:45,960
Speaker 2: so see I the co hosting.

521
00:25:46,840 --> 00:25:49,080
Speaker 3: Yeah, that was like the podcast co host version of

522
00:25:49,160 --> 00:25:52,040
Speaker 3: like giving me just a shoulder to lean on as

523
00:25:52,040 --> 00:25:53,800
Speaker 3: you drag me out of a bar or something like that.

524
00:25:54,040 --> 00:25:55,159
Speaker 3: Just help help help me.

525
00:25:55,640 --> 00:25:59,000
Speaker 2: That's it's like the version of like in church, you know,

526
00:25:59,040 --> 00:26:01,399
Speaker 2: when like the little kid is singing and they're all nervous,

527
00:26:01,400 --> 00:26:03,400
Speaker 2: and you're like, go ahead, baby, that's all right, bit,

528
00:26:03,480 --> 00:26:04,600
Speaker 2: go ahead baby, you got it.

529
00:26:04,680 --> 00:26:08,159
Speaker 3: Thank you, thank you, thank you. Well, let's take a

530
00:26:08,240 --> 00:26:11,679
Speaker 3: question from our good old fashioned email. This comes from

531
00:26:11,720 --> 00:26:14,800
Speaker 3: listener named Lauren. She says, Hey, Tip and Mandy, First,

532
00:26:14,800 --> 00:26:16,879
Speaker 3: thank you for all that you do to amplify people

533
00:26:16,880 --> 00:26:19,600
Speaker 3: of color, celebrate us, and address the issues that affect

534
00:26:19,640 --> 00:26:21,760
Speaker 3: us the most. Thank you, Lauren for that feedback. We

535
00:26:21,800 --> 00:26:24,640
Speaker 3: needed that. Lauren says, I was inspired by your show

536
00:26:24,640 --> 00:26:28,320
Speaker 3: to open my first high yield savings account late last year.

537
00:26:28,640 --> 00:26:31,000
Speaker 3: Love all the savings benefits it provides as we work

538
00:26:31,040 --> 00:26:34,200
Speaker 3: toward our savings goals. But since the pandemic hit the US.

539
00:26:34,240 --> 00:26:36,479
Speaker 3: I've seen the interest rate drop down to one percent.

540
00:26:36,880 --> 00:26:39,080
Speaker 3: At what point should I be concerned with how low

541
00:26:39,080 --> 00:26:41,200
Speaker 3: the interest rate is? Is there a point where I

542
00:26:41,200 --> 00:26:44,280
Speaker 3: should remove my savings from that account entirely? Is it

543
00:26:44,320 --> 00:26:47,040
Speaker 3: possible that interest rates can go negative and our high

544
00:26:47,080 --> 00:26:50,439
Speaker 3: yield account will be charged? Thanks for your help, Lauren,

545
00:26:51,920 --> 00:26:52,639
Speaker 3: fair question.

546
00:26:52,840 --> 00:26:55,520
Speaker 1: It is a pant question. I'm not gonna pretending like

547
00:26:55,520 --> 00:26:57,360
Speaker 1: I'm gonna say that would never.

548
00:26:57,200 --> 00:26:59,880
Speaker 2: Happen, because I would have said this, we would never

549
00:27:00,080 --> 00:27:02,920
Speaker 2: be shutting down the country for a number of months.

550
00:27:03,280 --> 00:27:05,879
Speaker 2: But it's still better than what big banks are offering

551
00:27:05,920 --> 00:27:08,239
Speaker 2: your you know, your high interest rate. I'm assuming it's

552
00:27:08,280 --> 00:27:10,439
Speaker 2: probably with the online only bank if it's one percent,

553
00:27:11,080 --> 00:27:14,160
Speaker 2: and it to me this is for those of us oversavers.

554
00:27:14,200 --> 00:27:16,600
Speaker 1: I am raising my hand. I am a I am.

555
00:27:16,520 --> 00:27:20,879
Speaker 2: A habitual oversaver. It is a reminder to not do so.

556
00:27:20,880 --> 00:27:23,880
Speaker 2: So I have my six plus psych I have more

557
00:27:23,920 --> 00:27:27,879
Speaker 2: like nine months. But whatever of savings and anything above that,

558
00:27:27,960 --> 00:27:31,000
Speaker 2: honestly I have been put into work because what this

559
00:27:31,040 --> 00:27:33,080
Speaker 2: really means is that if you have too much save,

560
00:27:33,200 --> 00:27:34,200
Speaker 2: you are losing money.

561
00:27:34,320 --> 00:27:34,760
Speaker 1: Period.

562
00:27:36,000 --> 00:27:38,160
Speaker 2: So that's what it should because you should have savings.

563
00:27:38,160 --> 00:27:40,440
Speaker 2: I mean, I actually have a friend who's like, oh,

564
00:27:40,760 --> 00:27:42,679
Speaker 2: this is all the more reason I shouldn't have any savings.

565
00:27:42,680 --> 00:27:44,560
Speaker 1: I should be putting all my money to work in

566
00:27:44,600 --> 00:27:44,960
Speaker 1: the market.

567
00:27:44,960 --> 00:27:47,280
Speaker 2: And I'm like, so, if something happens, if you lose

568
00:27:47,320 --> 00:27:50,280
Speaker 2: your job, if the car breaks down, if the HVAC

569
00:27:50,359 --> 00:27:52,760
Speaker 2: system goes, what are you going to do? Like, you

570
00:27:52,800 --> 00:27:56,040
Speaker 2: should you have to have some savings if you're able.

571
00:27:56,080 --> 00:27:58,399
Speaker 2: I know not every everyone's able to save at this moment,

572
00:27:58,480 --> 00:28:02,040
Speaker 2: but if you're able to me at minimum six months

573
00:28:02,040 --> 00:28:04,760
Speaker 2: of what I call your noodle budget, your ramen noodle,

574
00:28:04,800 --> 00:28:07,480
Speaker 2: if you had to eat ramen noodle bare bones, essential

575
00:28:07,920 --> 00:28:11,320
Speaker 2: expenses saved, and then anything above that, like you know,

576
00:28:11,480 --> 00:28:14,040
Speaker 2: certainly invest in if it you keep your eye on

577
00:28:14,440 --> 00:28:15,240
Speaker 2: the savings account.

578
00:28:15,280 --> 00:28:18,040
Speaker 1: So if it does become.

579
00:28:17,840 --> 00:28:23,280
Speaker 3: Negative, let's address that. I have some thoughts there. Yeah,

580
00:28:23,320 --> 00:28:26,520
Speaker 3: so this is a real concern. So right now, if

581
00:28:26,520 --> 00:28:28,840
Speaker 3: you haven't been paying attention, the FED has been slashing

582
00:28:28,880 --> 00:28:30,960
Speaker 3: interest rates. This is what happens. I mean, the Fed's

583
00:28:31,000 --> 00:28:33,600
Speaker 3: whole one of its sole purposes is to try to

584
00:28:33,640 --> 00:28:38,160
Speaker 3: bring normalcy stability to the market. So one way they

585
00:28:38,200 --> 00:28:40,560
Speaker 3: do One way they do that is they make the

586
00:28:40,600 --> 00:28:43,840
Speaker 3: cost of borrowing money and lending money. They can make

587
00:28:43,840 --> 00:28:46,600
Speaker 3: it cheaper and more expensive. So when they reduce rates,

588
00:28:46,680 --> 00:28:48,440
Speaker 3: that means as a saver, you can see your interest

589
00:28:48,480 --> 00:28:52,320
Speaker 3: rates in your savings accounts going down. And that's usually

590
00:28:52,360 --> 00:28:54,840
Speaker 3: what happens as the FED lowest rates, which is what

591
00:28:54,880 --> 00:28:57,840
Speaker 3: they have done a couple of times well throughout this

592
00:28:57,960 --> 00:29:01,760
Speaker 3: year so far. They're actually meeting week. There's another FED meeting.

593
00:29:02,360 --> 00:29:04,440
Speaker 3: They meet like every other month, and they make another

594
00:29:04,440 --> 00:29:06,840
Speaker 3: decision and an announcement about rates. Right now, the rate

595
00:29:06,960 --> 00:29:09,560
Speaker 3: is like what is it? Point two five two point five?

596
00:29:09,600 --> 00:29:12,360
Speaker 3: It's super duper low. It's close to zero. And if

597
00:29:12,360 --> 00:29:16,760
Speaker 3: they go negative, which can happen. The question that Lauren

598
00:29:16,800 --> 00:29:19,920
Speaker 3: has is one that probably any logical saver would have,

599
00:29:20,000 --> 00:29:22,240
Speaker 3: which is does that mean that my interest rate's going

600
00:29:22,280 --> 00:29:25,200
Speaker 3: to go negative on my savings account? Logically that would

601
00:29:25,240 --> 00:29:28,240
Speaker 3: make sense, but in reality that isn't likely to happen.

602
00:29:28,520 --> 00:29:30,760
Speaker 3: That doesn't mean that banks will not try to make

603
00:29:30,840 --> 00:29:34,200
Speaker 3: up for that lost revenue in other ways. I mean,

604
00:29:34,240 --> 00:29:36,760
Speaker 3: banks still have to compete for business, and they still

605
00:29:36,800 --> 00:29:39,920
Speaker 3: need our deposits. I don't know if you guys know this,

606
00:29:40,000 --> 00:29:42,200
Speaker 3: but the money that we give banks like they turn around,

607
00:29:42,200 --> 00:29:45,640
Speaker 3: they lend that out like they're packaging those into securities.

608
00:29:45,640 --> 00:29:47,520
Speaker 3: They have all kinds of ways to they need our

609
00:29:47,560 --> 00:29:51,520
Speaker 3: deposits to thrive. So the good news is that when

610
00:29:51,560 --> 00:29:55,880
Speaker 3: they compete, that usually means that rates will stay, Especially

611
00:29:55,880 --> 00:29:58,320
Speaker 3: for online banks that have lower overhead costs, you could

612
00:29:58,320 --> 00:30:01,120
Speaker 3: see rates stay. I mean, even at one percent, that's

613
00:30:01,120 --> 00:30:04,160
Speaker 3: still ten times more than me and many times more

614
00:30:04,160 --> 00:30:05,640
Speaker 3: than what you're gonna get from a brick and mortar

615
00:30:05,680 --> 00:30:08,640
Speaker 3: a big bank. So one percent is nothing to sneeze at.

616
00:30:08,680 --> 00:30:10,360
Speaker 3: I know, it's not the two percent that we were

617
00:30:10,400 --> 00:30:13,440
Speaker 3: at before and sometimes higher, but it's still decent. It's

618
00:30:13,440 --> 00:30:17,400
Speaker 3: still very decent compared to traditional banks what you may see.

619
00:30:17,440 --> 00:30:19,920
Speaker 3: So it's very unlikely that banks will go negative, which

620
00:30:20,000 --> 00:30:22,320
Speaker 3: means like you'll owe the bank money for saving your money,

621
00:30:22,360 --> 00:30:25,480
Speaker 3: which is just dumb. That being said, you might see

622
00:30:25,520 --> 00:30:29,080
Speaker 3: banks try to add fees or just get rid of

623
00:30:29,120 --> 00:30:32,720
Speaker 3: interest on savings accounts altogether. They've already done this on

624
00:30:32,960 --> 00:30:35,800
Speaker 3: checking accounts for the for the most part. You know,

625
00:30:35,840 --> 00:30:38,360
Speaker 3: if banks were offering any interest on checking accounts before

626
00:30:38,400 --> 00:30:41,080
Speaker 3: of rates have been lowered, it's very likely that they

627
00:30:41,120 --> 00:30:43,640
Speaker 3: have reduced it down to nothing. Or just eliminated it

628
00:30:43,680 --> 00:30:47,400
Speaker 3: all together, and they might continue adding fees or creating

629
00:30:47,440 --> 00:30:50,120
Speaker 3: new fees, so you should certainly pay attention and see

630
00:30:50,120 --> 00:30:53,440
Speaker 3: how your bank changes the cost of the various accounts

631
00:30:53,520 --> 00:30:56,240
Speaker 3: you have. The good news is that there are sites

632
00:30:56,280 --> 00:30:59,400
Speaker 3: you know, we can do another shout out for Magnified Money,

633
00:30:59,440 --> 00:31:02,720
Speaker 3: which company that I uh currently well, I used to

634
00:31:02,760 --> 00:31:05,040
Speaker 3: work for with and liney Tree required them, but there's

635
00:31:05,040 --> 00:31:07,640
Speaker 3: still there's still our family still do content for them.

636
00:31:07,680 --> 00:31:09,880
Speaker 3: So Magnified Money is a great place if you want

637
00:31:09,920 --> 00:31:13,840
Speaker 3: to compare savings accounts or compare any kind of deposit accounts.

638
00:31:14,080 --> 00:31:16,800
Speaker 3: There are still a lot of businesses out there competing

639
00:31:16,800 --> 00:31:20,760
Speaker 3: for your business, and you should feel completely empowered to

640
00:31:21,000 --> 00:31:23,320
Speaker 3: continue shopping finding a bank that's not going to charge

641
00:31:23,320 --> 00:31:27,360
Speaker 3: your fees where you're making the best possible return on

642
00:31:27,400 --> 00:31:31,320
Speaker 3: your savings as possible. That was a lot. Did that

643
00:31:31,360 --> 00:31:32,200
Speaker 3: make sense you? No?

644
00:31:32,240 --> 00:31:32,920
Speaker 1: It did totally?

645
00:31:33,000 --> 00:31:35,480
Speaker 2: Okay, basically like, leave your money alone, girls, for the

646
00:31:35,480 --> 00:31:36,600
Speaker 2: most part, it's going to be fine.

647
00:31:36,640 --> 00:31:37,600
Speaker 1: But don't oversave.

648
00:31:37,920 --> 00:31:40,960
Speaker 3: Yeah, don't oversave. It's good to save. I mean at

649
00:31:40,960 --> 00:31:43,840
Speaker 3: a time like this, people who you know have that

650
00:31:43,920 --> 00:31:47,480
Speaker 3: liqu have it's just it it it underlines the importance

651
00:31:47,520 --> 00:31:50,480
Speaker 3: of having those cash reserves. This is money that it

652
00:31:50,560 --> 00:31:52,520
Speaker 3: is your safety net for a reason. It's not the

653
00:31:52,520 --> 00:31:54,320
Speaker 3: money you have in stocks or you know, in the

654
00:31:54,360 --> 00:31:57,080
Speaker 3: market that's for long term goals. That's the money that

655
00:31:57,120 --> 00:31:59,520
Speaker 3: you're okay with dealing with hefty swings in the market

656
00:31:59,560 --> 00:32:02,280
Speaker 3: like we're having right now. And you should feel okay

657
00:32:02,360 --> 00:32:04,680
Speaker 3: because you know, I've got my cushion. I've got my

658
00:32:04,720 --> 00:32:08,440
Speaker 3: money and my savings, my FDI insured savings. If the

659
00:32:08,480 --> 00:32:10,640
Speaker 3: bottom falls out, I'll get up to two hundred and

660
00:32:10,640 --> 00:32:12,120
Speaker 3: fifty thousand dollars per account.

661
00:32:12,160 --> 00:32:13,479
Speaker 1: I'm covered. You know.

662
00:32:13,600 --> 00:32:15,320
Speaker 3: This is the importance of that. And that being said,

663
00:32:15,360 --> 00:32:17,920
Speaker 3: like Tiffany added, you don't want to oversave, but if

664
00:32:17,960 --> 00:32:20,760
Speaker 3: you are saving, I wouldn't. Don't obsess too much over

665
00:32:21,160 --> 00:32:23,800
Speaker 3: the fact that rates are going down, but do keep

666
00:32:24,040 --> 00:32:26,960
Speaker 3: tabs on things, you know, check the news alerts. Next week,

667
00:32:26,960 --> 00:32:29,240
Speaker 3: we'll see what the Fed does. I don't think they're

668
00:32:29,280 --> 00:32:33,280
Speaker 3: expected to move anything or do anything drastic, but see

669
00:32:33,280 --> 00:32:36,200
Speaker 3: what the Fed does and see what your bank does

670
00:32:36,240 --> 00:32:39,680
Speaker 3: in return, and make your next move based on that.

671
00:32:40,640 --> 00:32:44,240
Speaker 3: Thank you, Lauren for your question. Let's take another one.

672
00:32:44,440 --> 00:32:48,960
Speaker 3: Let's see and thank you for the love as well.

673
00:32:49,120 --> 00:32:51,320
Speaker 3: Put that in a comment on iTunes while you're at it.

674
00:32:52,600 --> 00:32:55,760
Speaker 3: All right, let's see. Oh here's a good one.

675
00:32:56,080 --> 00:32:56,440
Speaker 1: All right.

676
00:32:56,520 --> 00:32:59,040
Speaker 3: This comes from a listener who'd like to remain anonymous,

677
00:32:59,480 --> 00:33:02,040
Speaker 3: so we'll call her Holly. Holly says, hi, ladies. I've

678
00:33:02,080 --> 00:33:04,240
Speaker 3: been working in the retirement plan industry for a year

679
00:33:04,240 --> 00:33:06,880
Speaker 3: and a half. My boss has recently offered to pay

680
00:33:06,960 --> 00:33:09,680
Speaker 3: for a certification program which will help me move up

681
00:33:09,720 --> 00:33:13,080
Speaker 3: in my career. This is a great opportunity. The problem

682
00:33:13,160 --> 00:33:16,240
Speaker 3: is that I have no interest in this industry. I

683
00:33:16,320 --> 00:33:18,920
Speaker 3: don't feel like I can turn down the certification program

684
00:33:19,000 --> 00:33:21,040
Speaker 3: because then my boss will know I don't plan on

685
00:33:21,080 --> 00:33:23,360
Speaker 3: staying with the company. My plan has been to look

686
00:33:23,400 --> 00:33:25,680
Speaker 3: for a new job after my two year mark. But

687
00:33:25,800 --> 00:33:28,000
Speaker 3: moving up in my career here would move me away

688
00:33:28,040 --> 00:33:32,120
Speaker 3: from my ADMIN position, which I hate. Also, it would

689
00:33:32,120 --> 00:33:35,120
Speaker 3: be a good backup to have these credentials. Census industry

690
00:33:35,200 --> 00:33:38,680
Speaker 3: is always hiring. But again, I feel guilty if I

691
00:33:38,680 --> 00:33:41,280
Speaker 3: get the credentials and then dip. This has happened in

692
00:33:41,320 --> 00:33:43,680
Speaker 3: my company before, where employees have my boss pay for

693
00:33:43,720 --> 00:33:45,840
Speaker 3: their education and then leave to a larger company with

694
00:33:45,880 --> 00:33:48,480
Speaker 3: better benefits. How do I balance wanting to do the

695
00:33:48,520 --> 00:33:50,520
Speaker 3: best for me and the guilt of feeling like I'm

696
00:33:50,560 --> 00:33:55,640
Speaker 3: taking advantage slash misleading my current company. Ooh girl, okay.

697
00:33:55,520 --> 00:33:58,920
Speaker 1: oOoOO, this is a juicy one. Let's say, man like,

698
00:33:59,000 --> 00:34:01,280
Speaker 1: this is not my Willhayes right.

699
00:34:01,400 --> 00:34:04,959
Speaker 3: Well, I do know, speaking from experience, that it became

700
00:34:05,160 --> 00:34:08,720
Speaker 3: common practice for you know, relatively big companies to offer

701
00:34:08,840 --> 00:34:13,520
Speaker 3: some form of tuition, reimbursement or reimbursement for education continuing education.

702
00:34:14,040 --> 00:34:18,200
Speaker 3: It's one way of investing in your employees, just period

703
00:34:18,200 --> 00:34:20,600
Speaker 3: paragraph investing in your employees. And it's also a way

704
00:34:20,640 --> 00:34:24,200
Speaker 3: to for your own business needs, you know, create more

705
00:34:24,200 --> 00:34:27,680
Speaker 3: talented employees in house versus having to go out and

706
00:34:27,719 --> 00:34:30,040
Speaker 3: poach people and hire and that all takes you know,

707
00:34:30,040 --> 00:34:33,200
Speaker 3: a lot of time. That being said, I would check

708
00:34:33,719 --> 00:34:37,240
Speaker 3: what there's always there. There's usually strings attached with that money. Anyway.

709
00:34:37,360 --> 00:34:40,960
Speaker 3: They may some some policies say we will reimburse you

710
00:34:41,000 --> 00:34:43,040
Speaker 3: for tuition, but you need to stay with the company

711
00:34:43,080 --> 00:34:45,040
Speaker 3: for a year or two years. They will have a

712
00:34:45,120 --> 00:34:47,640
Speaker 3: quid pro quo. So I would check the fine print

713
00:34:47,719 --> 00:34:50,440
Speaker 3: and if they have something there, then that's your I mean,

714
00:34:50,480 --> 00:34:53,640
Speaker 3: that's your true reason for not wanting to sign up

715
00:34:53,719 --> 00:34:55,439
Speaker 3: because it could be that if you were to leave

716
00:34:55,440 --> 00:34:58,080
Speaker 3: within a year, like you say that you might, you

717
00:34:58,120 --> 00:35:00,480
Speaker 3: may owe that money back to them, So it would

718
00:35:00,480 --> 00:35:02,560
Speaker 3: be in your best financial interest not to take that.

719
00:35:03,400 --> 00:35:06,160
Speaker 3: I as a hiring manager, and you say you're in

720
00:35:06,160 --> 00:35:08,080
Speaker 3: an admin role. I actually have someone on my team

721
00:35:08,120 --> 00:35:11,080
Speaker 3: who's an editorial assistant, and I don't know if she

722
00:35:11,120 --> 00:35:14,120
Speaker 3: listens or not, but I love just giving her unsolicted

723
00:35:14,160 --> 00:35:17,360
Speaker 3: career advice. And I like, I'm I as a hiring manager,

724
00:35:17,400 --> 00:35:20,080
Speaker 3: I know this is a role that you're gonna You

725
00:35:20,120 --> 00:35:22,400
Speaker 3: can be the EA forever. You can be the admin

726
00:35:22,440 --> 00:35:25,320
Speaker 3: and be great at your job, or you can decide

727
00:35:25,360 --> 00:35:27,719
Speaker 3: that you want to move into a different path. And

728
00:35:27,960 --> 00:35:30,799
Speaker 3: we're actually having career path in conversations right now, and

729
00:35:31,000 --> 00:35:32,799
Speaker 3: she and I are quite honest with each other. I'm like,

730
00:35:33,440 --> 00:35:36,160
Speaker 3: you know, you probably don't want to be the assistant forever.

731
00:35:36,280 --> 00:35:38,560
Speaker 3: You're great at your job, but like, start thinking about

732
00:35:38,600 --> 00:35:40,359
Speaker 3: what else you want to do. And I think your

733
00:35:40,400 --> 00:35:43,520
Speaker 3: boss should be having those conversations with you. And I

734
00:35:43,520 --> 00:35:46,640
Speaker 3: think that you should feel comfortable telling your boss, Hey,

735
00:35:46,840 --> 00:35:50,600
Speaker 3: this is an admin role. I've I and I've been

736
00:35:50,640 --> 00:35:53,359
Speaker 3: in it for a year and just be honest with them.

737
00:35:54,040 --> 00:35:55,800
Speaker 1: It's almost you.

738
00:35:56,040 --> 00:35:58,840
Speaker 3: You gauge it based on your relationship in the company culture.

739
00:35:59,360 --> 00:36:01,160
Speaker 3: I feel fortunate to work in a place where I

740
00:36:01,239 --> 00:36:04,480
Speaker 3: think you can be honest like that. Hey, I at

741
00:36:04,560 --> 00:36:07,959
Speaker 3: least as your hiring manager, I will know in advance. Oh,

742
00:36:08,000 --> 00:36:09,840
Speaker 3: probably in the next year. I need to think about

743
00:36:10,000 --> 00:36:12,040
Speaker 3: what I'll do when so and so moves on, or

744
00:36:12,080 --> 00:36:15,759
Speaker 3: I can even better help find her a spot at

745
00:36:15,760 --> 00:36:18,240
Speaker 3: the company so that she's still here and still thriving

746
00:36:18,640 --> 00:36:20,279
Speaker 3: and she gets what she needs and then you know,

747
00:36:20,320 --> 00:36:24,239
Speaker 3: I can replace her hopefully. That's my approach to it.

748
00:36:24,360 --> 00:36:27,240
Speaker 3: You know your boss and your company better than anyone,

749
00:36:27,280 --> 00:36:31,680
Speaker 3: so I would say feel it out. But ultimately, yeah,

750
00:36:31,760 --> 00:36:33,360
Speaker 3: especially if there's some kind of clause we have to

751
00:36:33,360 --> 00:36:35,239
Speaker 3: pay that money back, I don't know that I would

752
00:36:35,280 --> 00:36:38,640
Speaker 3: jump at that opportunity and trust your gut. If your

753
00:36:38,640 --> 00:36:41,520
Speaker 3: gut's telling you this feels icky to take the money

754
00:36:41,800 --> 00:36:43,840
Speaker 3: and especially waste your time, if you're not going to

755
00:36:43,840 --> 00:36:46,640
Speaker 3: stay in the industry you're in, then just don't do it.

756
00:36:47,360 --> 00:36:48,000
Speaker 3: Just don't do it.

757
00:36:48,120 --> 00:36:50,239
Speaker 2: I'm going to lean into that, like you know, that

758
00:36:50,600 --> 00:36:53,960
Speaker 2: genius zone. It's like, it's do you really want to. I

759
00:36:53,960 --> 00:36:56,000
Speaker 2: don't know how long it takes to get that certification,

760
00:36:56,120 --> 00:36:57,600
Speaker 2: but do you really want to spend that time and

761
00:36:57,680 --> 00:36:59,799
Speaker 2: energy into getting something that you're just not.

762
00:37:01,239 --> 00:37:02,120
Speaker 1: It's just going to be.

763
00:37:02,040 --> 00:37:05,719
Speaker 2: Time away from the things that could edify you know,

764
00:37:05,800 --> 00:37:10,080
Speaker 2: whatever your goals and your dreams are. So yeah, I

765
00:37:10,120 --> 00:37:15,480
Speaker 2: mean your loyalty really lies with yourself, Like what is

766
00:37:15,520 --> 00:37:18,279
Speaker 2: it that you know your ultimate goal and how does

767
00:37:18,320 --> 00:37:19,000
Speaker 2: this play a role?

768
00:37:19,000 --> 00:37:20,359
Speaker 1: And that I get it and you're like, oh, my.

769
00:37:20,280 --> 00:37:22,200
Speaker 2: Boss is gonna know I kind of want to to

770
00:37:22,280 --> 00:37:24,799
Speaker 2: keep my hand close to my best. But it doesn't

771
00:37:24,840 --> 00:37:26,160
Speaker 2: mean that your boss is going to know that you

772
00:37:26,200 --> 00:37:28,279
Speaker 2: want to leave. It's just that you're not interested in

773
00:37:28,320 --> 00:37:31,560
Speaker 2: that particular path. That's all your boss would know. And

774
00:37:31,600 --> 00:37:33,640
Speaker 2: you can make that clear that it's not like, oh,

775
00:37:34,040 --> 00:37:35,959
Speaker 2: you know that that doesn't necessarily mean that you're wanting

776
00:37:35,960 --> 00:37:37,719
Speaker 2: to leave, even if that's your plan. It just means

777
00:37:37,719 --> 00:37:39,759
Speaker 2: that that's not a career path that you're interested in.

778
00:37:39,840 --> 00:37:43,360
Speaker 2: You are allowed to choose your career path. Yeah, So

779
00:37:43,400 --> 00:37:46,080
Speaker 2: don't be afraid of that because that happens all the time.

780
00:37:46,160 --> 00:37:50,440
Speaker 2: Just myself as an owner of a company that there

781
00:37:50,480 --> 00:37:53,680
Speaker 2: are times when I've offered people different roles and positions,

782
00:37:53,719 --> 00:37:55,960
Speaker 2: and they've said no because I've I try to create

783
00:37:56,000 --> 00:37:57,680
Speaker 2: an environment where I'm like, you know, is this something

784
00:37:57,719 --> 00:38:00,359
Speaker 2: you're interested in? We have an opening and they're like, yeah,

785
00:38:00,560 --> 00:38:03,080
Speaker 2: finally something I'm interested in. But to me, that's not

786
00:38:03,120 --> 00:38:04,959
Speaker 2: an indication that they don't want to stay here. It's

787
00:38:05,040 --> 00:38:08,560
Speaker 2: just that that's not the direction they want to go in.

788
00:38:08,600 --> 00:38:11,040
Speaker 2: And honestly, I don't want anyone to work in a

789
00:38:11,040 --> 00:38:13,239
Speaker 2: capacity that doesn't interest or excite them.

790
00:38:13,560 --> 00:38:15,760
Speaker 1: I always say, like, our rule is that everyone deserves

791
00:38:15,760 --> 00:38:16,560
Speaker 1: to work joyfully.

792
00:38:17,920 --> 00:38:20,120
Speaker 2: So that might not be your boss's philosophy, but just

793
00:38:20,280 --> 00:38:24,600
Speaker 2: know that saying no to a specific direction doesn't mean

794
00:38:25,120 --> 00:38:27,520
Speaker 2: that your boss has to think that you're trying to

795
00:38:27,600 --> 00:38:30,360
Speaker 2: quit anytime soon. It just means you don't want to

796
00:38:30,400 --> 00:38:33,080
Speaker 2: waste your time doing something you're not going to enjoy.

797
00:38:33,400 --> 00:38:36,280
Speaker 3: Yeah, and I would just thank them profusely for leaning

798
00:38:36,320 --> 00:38:39,399
Speaker 3: into you, offering to invest. You know, think it through.

799
00:38:39,440 --> 00:38:42,600
Speaker 3: Maybe there's an alternative type of certification that might get

800
00:38:42,600 --> 00:38:44,040
Speaker 3: you to where you want to be but could also

801
00:38:44,080 --> 00:38:45,799
Speaker 3: be helpful for your job. Now. I don't know what

802
00:38:46,200 --> 00:38:50,359
Speaker 3: other career path you're considering, but yeah, just think it through.

803
00:38:50,520 --> 00:38:53,879
Speaker 3: And don't don't sweat it so much, you know, don't

804
00:38:53,960 --> 00:38:57,240
Speaker 3: don't sweat it too much. Just be truthful and honest

805
00:38:57,239 --> 00:39:01,319
Speaker 3: and honestly. I think that they'll appreciate it. All right,

806
00:39:01,320 --> 00:39:03,040
Speaker 3: what did I say? I was calling her Holley? Okay,

807
00:39:03,080 --> 00:39:06,359
Speaker 3: thank you Holly for your question. For again, you guys

808
00:39:06,400 --> 00:39:08,799
Speaker 3: reach out to us with your questions Brannibision Podcast at

809
00:39:08,800 --> 00:39:11,319
Speaker 3: gmail dot com or you can hit us up on

810
00:39:11,320 --> 00:39:13,480
Speaker 3: the ground. Where are at Brannibishion Podcast.

811
00:39:13,840 --> 00:39:17,200
Speaker 1: And now it's time for Boost to break for all

812
00:39:18,360 --> 00:39:20,600
Speaker 1: I know is gonna lose?

813
00:39:20,920 --> 00:39:21,759
Speaker 2: Is you gonna wait?

814
00:39:21,840 --> 00:39:23,560
Speaker 1: What you're gonna do? Mandy?

815
00:39:23,640 --> 00:39:25,359
Speaker 2: Well, real quick, can I just take a business break?

816
00:39:25,360 --> 00:39:27,839
Speaker 2: Something I learned something really quick. I thought that would

817
00:39:27,840 --> 00:39:30,160
Speaker 2: be great because I feel like you guys are absolutely yeah.

818
00:39:30,160 --> 00:39:33,359
Speaker 2: So something I learned not last week, but a week

819
00:39:33,360 --> 00:39:35,480
Speaker 2: before last. Y'all know that I'm doing business coaching and

820
00:39:35,520 --> 00:39:39,160
Speaker 2: it's been going excellente And something that I learned that's,

821
00:39:39,200 --> 00:39:41,480
Speaker 2: you know, not the dramatics of my normal like I

822
00:39:41,520 --> 00:39:45,839
Speaker 2: have to do better on the inside, just something. Uh So,

823
00:39:46,239 --> 00:39:48,840
Speaker 2: there is a phrase that signed my business coach and

824
00:39:48,880 --> 00:39:52,240
Speaker 2: his team say all the time, which is don't solve

825
00:39:52,280 --> 00:39:57,279
Speaker 2: the same problem twice. And what that means is he

826
00:39:57,360 --> 00:40:01,680
Speaker 2: said that whenever you're solving a problem, think about scale.

827
00:40:01,800 --> 00:40:05,839
Speaker 2: Think about not just solving the problem for the immediate need,

828
00:40:06,280 --> 00:40:10,840
Speaker 2: but will this solve the problem for three times the

829
00:40:10,880 --> 00:40:14,200
Speaker 2: amount of volume or change or whatever. So I'll give

830
00:40:14,200 --> 00:40:17,319
Speaker 2: you an example. There are forty thousand members of my

831
00:40:17,440 --> 00:40:20,239
Speaker 2: Literature Academy, and we're like, oh, there's some things we

832
00:40:20,280 --> 00:40:24,440
Speaker 2: want to fix. And so last year we revamped the

833
00:40:24,480 --> 00:40:28,000
Speaker 2: Liverature Academy website and now we're back again because last

834
00:40:28,040 --> 00:40:30,480
Speaker 2: year there were twenty thousand students, so we're now double.

835
00:40:30,760 --> 00:40:33,799
Speaker 2: So we're solving the same problem twice because last year

836
00:40:33,840 --> 00:40:37,200
Speaker 2: we solved for twenty thousand, not for sixty, not for

837
00:40:37,280 --> 00:40:41,319
Speaker 2: three times the amount. And I was like, oh, so

838
00:40:42,000 --> 00:40:43,960
Speaker 2: even now that we're trying to solve the issues that

839
00:40:44,000 --> 00:40:46,120
Speaker 2: we're having, and they're not bad issues. It's just said,

840
00:40:46,160 --> 00:40:48,439
Speaker 2: as you grow, and you know.

841
00:40:48,520 --> 00:40:50,800
Speaker 1: Things break as you grow. It's like outgrowing your clothes.

842
00:40:50,800 --> 00:40:51,440
Speaker 1: It's natural.

843
00:40:51,760 --> 00:40:55,000
Speaker 2: So now I'm mindful that we're not solving the problem

844
00:40:55,080 --> 00:40:57,960
Speaker 2: for forty thousand members. We need to solve the problem

845
00:40:58,000 --> 00:41:00,640
Speaker 2: for will this solution help when we have one hundred

846
00:41:00,680 --> 00:41:04,960
Speaker 2: and twenty thousand members because that's forty thousand times three.

847
00:41:05,320 --> 00:41:07,600
Speaker 2: So that gives you the space that you're not solving

848
00:41:07,600 --> 00:41:09,840
Speaker 2: the same problem over and over and over and over again.

849
00:41:10,080 --> 00:41:11,680
Speaker 2: And so I just want you to think about that. Like,

850
00:41:12,440 --> 00:41:15,960
Speaker 2: my sister is doing pr work now. She's doing an

851
00:41:16,000 --> 00:41:19,440
Speaker 2: amazing job, and she's got I think she's got five clients,

852
00:41:19,640 --> 00:41:21,799
Speaker 2: and she was trying to choose some platform or something

853
00:41:21,800 --> 00:41:23,680
Speaker 2: that she wanted to use. And I told her that

854
00:41:23,719 --> 00:41:26,040
Speaker 2: and she said that was so helpful because I was

855
00:41:26,080 --> 00:41:28,239
Speaker 2: going to get a platform for the next two or

856
00:41:28,239 --> 00:41:30,560
Speaker 2: three clients that would fit that. But she's like, now

857
00:41:30,560 --> 00:41:32,400
Speaker 2: I'm looking at a platform that would allow me to

858
00:41:32,440 --> 00:41:36,479
Speaker 2: grow to fifteen. That way, she's not back added two

859
00:41:36,520 --> 00:41:38,680
Speaker 2: clients later, which might be in another month, and then

860
00:41:38,719 --> 00:41:41,000
Speaker 2: there's a level of stress involved. So just keep that

861
00:41:41,040 --> 00:41:43,760
Speaker 2: in mind and all that you do that if whatever

862
00:41:43,800 --> 00:41:47,319
Speaker 2: you're doing was multiplied times three or multiplied times ten,

863
00:41:48,280 --> 00:41:50,000
Speaker 2: you know, does what I like to start with three?

864
00:41:50,000 --> 00:41:51,720
Speaker 2: Because set is like a lot right now? It depends

865
00:41:51,719 --> 00:41:54,280
Speaker 2: how fast you're growing, for those are the two core numbers.

866
00:41:55,080 --> 00:41:58,480
Speaker 2: If that problem is multiplied, especially times three, does this

867
00:41:58,600 --> 00:42:03,200
Speaker 2: solution solve that problem as well? It's like and not

868
00:42:03,239 --> 00:42:05,960
Speaker 2: to say problem, because sometimes it's just growth, you know,

869
00:42:06,600 --> 00:42:09,160
Speaker 2: like if like, for example, the way the site navigates

870
00:42:09,920 --> 00:42:13,719
Speaker 2: or the platform that we're using for our community, like

871
00:42:13,960 --> 00:42:16,600
Speaker 2: you know, if we're gonna switch, will the switch manage

872
00:42:16,600 --> 00:42:19,040
Speaker 2: one hundred and twenty thousand people?

873
00:42:19,280 --> 00:42:22,040
Speaker 1: So it's just been really helpful, Like oh.

874
00:42:21,800 --> 00:42:25,880
Speaker 2: And so his team was like, you really want to

875
00:42:26,120 --> 00:42:29,440
Speaker 2: make that part of your company culture that everyone is

876
00:42:29,480 --> 00:42:32,440
Speaker 2: thinking that way Logan our content managers thinking. I was

877
00:42:32,520 --> 00:42:35,560
Speaker 2: just talking to her today because there's so I'm getting

878
00:42:35,600 --> 00:42:39,719
Speaker 2: so many like awesome media hits right like New York Times,

879
00:42:39,800 --> 00:42:44,319
Speaker 2: Wall Street Journal, Cosmo, And so it's like she's managing.

880
00:42:44,320 --> 00:42:46,200
Speaker 1: How do we post them? What do we post in

881
00:42:46,239 --> 00:42:46,520
Speaker 1: what way?

882
00:42:46,560 --> 00:42:48,840
Speaker 2: And I said, well, as you figure out a system,

883
00:42:49,040 --> 00:42:51,600
Speaker 2: think about the system if I was getting three times

884
00:42:51,600 --> 00:42:53,839
Speaker 2: the amount of hits, And she was like, got it.

885
00:42:53,880 --> 00:42:55,960
Speaker 2: So same thing with Tamer who's our manager for the

886
00:42:56,000 --> 00:42:58,880
Speaker 2: Literature Academy. She's thinking about that as it relates to

887
00:42:58,920 --> 00:43:02,960
Speaker 2: our audience or thinking about like I don't know, like

888
00:43:02,960 --> 00:43:05,120
Speaker 2: I'm trying to think with somebody if you had if

889
00:43:05,120 --> 00:43:08,080
Speaker 2: you were baking three times the amount of pizzas, if

890
00:43:08,160 --> 00:43:10,520
Speaker 2: you were hiring three times the amount of people or

891
00:43:10,760 --> 00:43:11,920
Speaker 2: whatever that might look like.

892
00:43:12,520 --> 00:43:15,680
Speaker 1: I just think it's a really great tool. So you're

893
00:43:15,719 --> 00:43:17,360
Speaker 1: not constantly.

894
00:43:17,000 --> 00:43:20,920
Speaker 2: Fixing, fixing fixing the thing, you're not putting on temporary bandages.

895
00:43:20,960 --> 00:43:23,480
Speaker 2: You're actually creating solutions. And so that was just a

896
00:43:23,520 --> 00:43:25,360
Speaker 2: really good lesson that I learned that I want to

897
00:43:25,400 --> 00:43:26,720
Speaker 2: pass on to y'all.

898
00:43:28,239 --> 00:43:30,440
Speaker 3: I love it. That's kind of like thinking big and

899
00:43:30,480 --> 00:43:34,239
Speaker 3: thinking growth. I imagine the other side of that is

900
00:43:34,280 --> 00:43:36,319
Speaker 3: you don't want to be too big. It's like, yes,

901
00:43:36,560 --> 00:43:38,520
Speaker 3: I always think about that show The Profit when they

902
00:43:38,520 --> 00:43:41,480
Speaker 3: go to like and like a home cook has like

903
00:43:41,560 --> 00:43:44,719
Speaker 3: rented out in an industrial, huge kitchen, and he's like,

904
00:43:44,800 --> 00:43:47,600
Speaker 3: what do you need this for? So there's like you

905
00:43:47,600 --> 00:43:50,680
Speaker 3: don want to go to extreme, like don't buy you

906
00:43:50,719 --> 00:43:51,760
Speaker 3: know whatever.

907
00:43:51,960 --> 00:43:53,000
Speaker 1: But I get it.

908
00:43:53,000 --> 00:43:54,480
Speaker 2: But that's why that times three is such a good

909
00:43:54,520 --> 00:43:57,160
Speaker 2: amount because times three is actually not that huge, you know.

910
00:43:57,760 --> 00:43:59,360
Speaker 1: But you're right, like if you're a home.

911
00:43:59,120 --> 00:44:02,160
Speaker 2: Cook, but let's just say you're cooking, I don't know,

912
00:44:02,280 --> 00:44:04,680
Speaker 2: five dinners a week, cooking fifteen.

913
00:44:04,320 --> 00:44:05,520
Speaker 1: Is not some crazy amount.

914
00:44:05,600 --> 00:44:07,719
Speaker 2: It's like, oh, okay, well what would I do if

915
00:44:07,760 --> 00:44:09,480
Speaker 2: I had fifteen people to cook for?

916
00:44:09,880 --> 00:44:10,080
Speaker 1: You know?

917
00:44:10,160 --> 00:44:13,160
Speaker 2: What would that look like so yeah, so yeah, But

918
00:44:13,160 --> 00:44:14,799
Speaker 2: to your point, yes, you definitely don't want to be

919
00:44:14,800 --> 00:44:16,959
Speaker 2: solving for like one hundred x because there are people

920
00:44:16,960 --> 00:44:20,239
Speaker 2: who are like that. You're like, well, that's great one day,

921
00:44:20,320 --> 00:44:22,319
Speaker 2: but you're not there yet. Let's just think of three

922
00:44:22,360 --> 00:44:24,600
Speaker 2: and potentially ten if you are rapidly growing.

923
00:44:25,920 --> 00:44:30,800
Speaker 3: Yeah, that's great. Love a little nuggets, freebie nuggets and Tiffany's.

924
00:44:30,080 --> 00:44:32,880
Speaker 1: Executive my sevenev.

925
00:44:34,880 --> 00:44:38,280
Speaker 3: Y'all go little free nuggetsuggets.

926
00:44:39,120 --> 00:44:41,560
Speaker 2: But yeah, so are you gonna boost or are you

927
00:44:41,640 --> 00:44:42,960
Speaker 2: going to break?

928
00:44:43,680 --> 00:44:45,880
Speaker 3: I have a special boost and I have a preview

929
00:44:46,000 --> 00:44:48,600
Speaker 3: for an upcoming episode. I'm hoping next week or the

930
00:44:48,640 --> 00:44:53,040
Speaker 3: week after and we'll have this this fat, this fantastic

931
00:44:53,680 --> 00:44:56,600
Speaker 3: couple on the show. I'm super excited, Tiffany, you actually

932
00:44:56,640 --> 00:45:00,120
Speaker 3: connected me to them. They're Christina and Aman and they

933
00:45:00,000 --> 00:45:00,960
Speaker 3: there there.

934
00:45:01,880 --> 00:45:02,480
Speaker 1: What do we call it?

935
00:45:02,480 --> 00:45:05,320
Speaker 3: Their brand is called Our Rich Journey. They're on YouTube,

936
00:45:05,360 --> 00:45:11,160
Speaker 3: They're on Instagram. They are just incredible people. But I

937
00:45:11,200 --> 00:45:12,840
Speaker 3: have to say, wait, and this is a little insight

938
00:45:12,880 --> 00:45:14,480
Speaker 3: into how the show happens. You guys know, we don't

939
00:45:14,520 --> 00:45:16,920
Speaker 3: have guests very often. When we do, I usually will

940
00:45:16,960 --> 00:45:18,799
Speaker 3: do an interview with them just to see you know,

941
00:45:18,840 --> 00:45:22,560
Speaker 3: what can we talk about? Are they conversational's the vibe good,

942
00:45:22,600 --> 00:45:26,360
Speaker 3: et cetera. So when Tiffany kicked me Christina's contact info,

943
00:45:26,840 --> 00:45:28,759
Speaker 3: I quickly set up a call. I didn't put much

944
00:45:28,760 --> 00:45:30,279
Speaker 3: thought into which day I set it up. I was

945
00:45:30,320 --> 00:45:31,960
Speaker 3: just like, oh, I have a half hour here, we'll

946
00:45:31,960 --> 00:45:34,360
Speaker 3: do it. Then the day of the call comes around

947
00:45:34,440 --> 00:45:37,120
Speaker 3: and Christina and I haven't had you know, so much

948
00:45:37,160 --> 00:45:39,600
Speaker 3: has been going on since the pandemic. Y'all know, baby

949
00:45:39,640 --> 00:45:44,400
Speaker 3: at home working full time. Podcast life is nuts. There's

950
00:45:44,520 --> 00:45:46,560
Speaker 3: just you know, we're we're all in this grind together.

951
00:45:47,360 --> 00:45:50,160
Speaker 3: So anyhow, the conversation rolls around, I haven't had time

952
00:45:50,200 --> 00:45:53,319
Speaker 3: to actually do my do my homework, which is check

953
00:45:53,360 --> 00:45:57,560
Speaker 3: into their YouTube prof YouTube their YouTube channel. I hadn't

954
00:45:57,560 --> 00:45:59,879
Speaker 3: seen it yet, find out what they're all about. So

955
00:46:00,000 --> 00:46:01,920
Speaker 3: so I hop on the phone with her cold and

956
00:46:02,680 --> 00:46:06,040
Speaker 3: I we had the conversation, and I left the phone

957
00:46:06,080 --> 00:46:08,359
Speaker 3: call thinking, Okay, I'm going to have to check out

958
00:46:08,360 --> 00:46:10,239
Speaker 3: their YouTube channel and think a little bit more about

959
00:46:10,360 --> 00:46:12,120
Speaker 3: you know, what could we talk about with them for

960
00:46:12,200 --> 00:46:14,160
Speaker 3: you guys, because I see some potential here, but I'm

961
00:46:14,200 --> 00:46:17,360
Speaker 3: not not still super sure on the angle. But honestly

962
00:46:17,360 --> 00:46:19,880
Speaker 3: in my mind on my side of things, I had

963
00:46:20,280 --> 00:46:22,400
Speaker 3: the baby. We'll go from a nap half with you.

964
00:46:22,480 --> 00:46:24,719
Speaker 3: The call. I had to grab the baby. It was

965
00:46:24,760 --> 00:46:26,879
Speaker 3: the end of the day. It was this insane day.

966
00:46:26,920 --> 00:46:29,040
Speaker 3: It was also one of the days that my husband

967
00:46:29,120 --> 00:46:31,280
Speaker 3: was going into Manhattan, so I was on my own

968
00:46:31,480 --> 00:46:33,319
Speaker 3: and it was just not the right It was not

969
00:46:33,360 --> 00:46:36,319
Speaker 3: the right time for that phone call. Anyhow, weekend goes by,

970
00:46:36,480 --> 00:46:38,719
Speaker 3: I look at their channel. I am in love. I

971
00:46:38,760 --> 00:46:40,440
Speaker 3: have learned so much. You guys have got to go

972
00:46:40,480 --> 00:46:44,359
Speaker 3: subscribe to our Our Rich or sorry, our yeah, our

973
00:46:44,480 --> 00:46:46,360
Speaker 3: Rich Journey on YouTube. Have you watched Tiffany. Have you

974
00:46:46,400 --> 00:46:46,920
Speaker 3: watched it? No?

975
00:46:46,960 --> 00:46:48,840
Speaker 2: But it's so funny because today I was talking to

976
00:46:48,920 --> 00:46:51,239
Speaker 2: my COO and she was talking about, oh my god,

977
00:46:51,280 --> 00:46:53,120
Speaker 2: I love this couple, Our Rich Journey, and I'm like,

978
00:46:53,200 --> 00:46:54,719
Speaker 2: oh my gosh, they're gonna be on the podcast, and

979
00:46:54,760 --> 00:46:55,600
Speaker 2: she like fell out.

980
00:46:55,880 --> 00:46:58,160
Speaker 1: So it's just it all comes like full circle.

981
00:46:58,239 --> 00:47:01,400
Speaker 3: So it's just so funny because it almost didn't happen, Tiffany,

982
00:47:02,200 --> 00:47:05,440
Speaker 3: they almost did not join. So this is what I

983
00:47:05,800 --> 00:47:08,880
Speaker 3: got all excited this weekend and I emailed here, Christina,

984
00:47:08,920 --> 00:47:11,600
Speaker 3: I'm like, listen, I Finally, I spent like hours watching

985
00:47:11,600 --> 00:47:13,680
Speaker 3: your show. Love you guys. Here's what I think the

986
00:47:13,719 --> 00:47:16,600
Speaker 3: show should be. Christina, and I give her so much

987
00:47:16,600 --> 00:47:18,920
Speaker 3: credit for this. She sent me an email back and

988
00:47:18,960 --> 00:47:22,360
Speaker 3: she said, listen, I don't think I want to be

989
00:47:22,400 --> 00:47:24,440
Speaker 3: on the show. Honestly, when I was talking to you,

990
00:47:24,440 --> 00:47:28,239
Speaker 3: you didn't seem very interested in hearing interested in having us.

991
00:47:28,200 --> 00:47:28,600
Speaker 1: On the show.

992
00:47:28,640 --> 00:47:31,799
Speaker 3: You seem disengaged. And she just gave me really direct

993
00:47:32,080 --> 00:47:36,040
Speaker 3: feedback on that conversation. And immediately, like my response was,

994
00:47:36,080 --> 00:47:38,080
Speaker 3: wait a second, I need to tell her what No,

995
00:47:39,160 --> 00:47:41,600
Speaker 3: I need to explain to her where I was at

996
00:47:41,640 --> 00:47:44,600
Speaker 3: on my side of things that day. So and I

997
00:47:44,680 --> 00:47:46,239
Speaker 3: just want to I want to give a boost to

998
00:47:46,320 --> 00:47:50,200
Speaker 3: Christina because she gave me a chance to explain my

999
00:47:50,320 --> 00:47:53,759
Speaker 3: side of the story and I and she was like,

1000
00:47:54,040 --> 00:47:56,000
Speaker 3: I genuinely responded to her, and I first of all,

1001
00:47:56,040 --> 00:47:57,480
Speaker 3: I said, thank you for the feedback. I said, this

1002
00:47:57,560 --> 00:48:00,680
Speaker 3: is a feedback I needed. I am realized I'm at

1003
00:48:00,680 --> 00:48:03,400
Speaker 3: the I am four or five months into this quarantine.

1004
00:48:03,920 --> 00:48:06,799
Speaker 3: I am starting to get burnt out. Some days I

1005
00:48:06,840 --> 00:48:10,120
Speaker 3: feel like hot, stinking piles of garbage, and some days

1006
00:48:10,160 --> 00:48:13,839
Speaker 3: I feel like I've rockstar. I apologize because you were

1007
00:48:13,840 --> 00:48:16,799
Speaker 3: on the receiving end of a garbage day for me,

1008
00:48:17,040 --> 00:48:20,560
Speaker 3: and that bad energy came through. And I imagine that

1009
00:48:20,680 --> 00:48:22,400
Speaker 3: a lot of us are out there and you feel

1010
00:48:22,440 --> 00:48:24,879
Speaker 3: these days and you just are not bringing your best

1011
00:48:24,880 --> 00:48:28,280
Speaker 3: self to the table because there's just nothing left anyhow.

1012
00:48:28,320 --> 00:48:31,880
Speaker 3: So I didn't think that she was considering my side,

1013
00:48:31,960 --> 00:48:34,120
Speaker 3: but I just told her. I just poured my heart out.

1014
00:48:34,120 --> 00:48:37,640
Speaker 3: I was like, listen, I want you to know that

1015
00:48:37,640 --> 00:48:41,360
Speaker 3: that was just a bad day. I can only apologize

1016
00:48:41,360 --> 00:48:42,680
Speaker 3: for how I made you feel. I've said this in

1017
00:48:42,719 --> 00:48:44,520
Speaker 3: the show a million times. I quote you know, you

1018
00:48:44,560 --> 00:48:47,600
Speaker 3: can never change. People don't remember what you say, but

1019
00:48:47,640 --> 00:48:49,719
Speaker 3: they remember how you make them feel. I made her

1020
00:48:49,760 --> 00:48:53,840
Speaker 3: feel badly. I apologize for that, and I told her basically,

1021
00:48:54,200 --> 00:48:57,200
Speaker 3: give me another chance. Please give me a chance. And

1022
00:48:57,239 --> 00:48:59,520
Speaker 3: then she emailed me back right away. And mind you,

1023
00:48:59,560 --> 00:49:01,640
Speaker 3: she's in port I'm here in New York. We're in

1024
00:49:01,760 --> 00:49:03,960
Speaker 3: different time zones. And by the time we had like

1025
00:49:03,960 --> 00:49:06,240
Speaker 3: our third email, we were both crying. I'm like, Christina,

1026
00:49:06,440 --> 00:49:08,360
Speaker 3: why am I crying? Because she's like a mom of

1027
00:49:08,400 --> 00:49:11,399
Speaker 3: two children and anyway, so I just wanted to give

1028
00:49:11,400 --> 00:49:15,160
Speaker 3: a boost for if you have like giving someone the

1029
00:49:15,160 --> 00:49:18,040
Speaker 3: benefit of the doubt and to be honest, Christina's email

1030
00:49:18,160 --> 00:49:21,680
Speaker 3: was meant was not intended to like. It wasn't like

1031
00:49:21,680 --> 00:49:23,960
Speaker 3: she was asking me to tell her what happened it was.

1032
00:49:24,200 --> 00:49:27,200
Speaker 3: But at the same time, her giving me that feedback,

1033
00:49:27,239 --> 00:49:29,280
Speaker 3: even though it was not, in her mind an open

1034
00:49:29,280 --> 00:49:31,680
Speaker 3: door for me to like. She didn't think I was

1035
00:49:31,719 --> 00:49:33,319
Speaker 3: ever going to respond. She thought I would just see

1036
00:49:33,320 --> 00:49:35,880
Speaker 3: that and just be like, oh shit, Okay, well that

1037
00:49:36,200 --> 00:49:39,839
Speaker 3: woman's done with me. But I saw that as an

1038
00:49:39,840 --> 00:49:44,000
Speaker 3: opportunity to I saw an opportunity to tell my story

1039
00:49:44,080 --> 00:49:45,960
Speaker 3: and to see if she would be willing to hear it.

1040
00:49:46,400 --> 00:49:48,319
Speaker 3: And she was, And I knew we would get along

1041
00:49:48,360 --> 00:49:51,040
Speaker 3: because I had spent the whole weekend watching her channel

1042
00:49:51,040 --> 00:49:53,120
Speaker 3: and I love her, and I was like, you are

1043
00:49:53,160 --> 00:49:57,399
Speaker 3: gonna be my friend, Christina, and we have so much

1044
00:49:57,440 --> 00:49:59,319
Speaker 3: to talk about. You need to get over this real quick,

1045
00:49:59,360 --> 00:50:02,640
Speaker 3: because we had things to talk about. So anyway, Christina

1046
00:50:02,680 --> 00:50:06,080
Speaker 3: and I talked today. Everything is good. I share that

1047
00:50:06,160 --> 00:50:09,160
Speaker 3: example because I think if you if you've had a

1048
00:50:09,200 --> 00:50:13,520
Speaker 3: poor interaction with someone, it is it can it's it's

1049
00:50:13,520 --> 00:50:16,279
Speaker 3: an act of generosity to give them that feedback and

1050
00:50:16,320 --> 00:50:18,160
Speaker 3: see what they do with it, and maybe you'll learn

1051
00:50:18,200 --> 00:50:20,600
Speaker 3: something about them that you didn't know that makes you

1052
00:50:20,680 --> 00:50:23,040
Speaker 3: rethink that interaction as well, because I think that's what happened.

1053
00:50:23,080 --> 00:50:24,799
Speaker 3: I'm not trying to put words in Christina's mouth, but

1054
00:50:24,840 --> 00:50:27,520
Speaker 3: I think that she hadn't really put herself in my shoes,

1055
00:50:27,560 --> 00:50:29,600
Speaker 3: and to be fair, I didn't give her a chance to.

1056
00:50:30,000 --> 00:50:32,520
Speaker 3: I just was it was just she just caught me

1057
00:50:32,560 --> 00:50:35,680
Speaker 3: on that bad moment and that was it anyway. So

1058
00:50:35,840 --> 00:50:38,840
Speaker 3: I love that we were able to see each other's side,

1059
00:50:38,960 --> 00:50:41,880
Speaker 3: and it just I wish there was more of that

1060
00:50:41,920 --> 00:50:44,719
Speaker 3: happening in this world right now. I feel proud of

1061
00:50:44,800 --> 00:50:47,080
Speaker 3: both of us for how we handled it. And I

1062
00:50:47,160 --> 00:50:49,520
Speaker 3: already told her like, we're besties now because we've already

1063
00:50:49,520 --> 00:50:50,399
Speaker 3: had our first friend fight.

1064
00:50:51,520 --> 00:50:53,120
Speaker 1: I love that and I love this. She was like,

1065
00:50:53,160 --> 00:50:55,680
Speaker 1: really direct because I'm not gonna lie that. You know.

1066
00:50:56,000 --> 00:50:58,960
Speaker 2: I am still working on having the honest conversations. And

1067
00:50:59,200 --> 00:51:01,520
Speaker 2: I guess my my mind is going to be more

1068
00:51:01,520 --> 00:51:03,960
Speaker 2: of a break because I had not something similar but

1069
00:51:04,000 --> 00:51:06,919
Speaker 2: it didn't work out as well. But I felt well,

1070
00:51:07,120 --> 00:51:09,200
Speaker 2: I felt I guess semi proud of myself how I

1071
00:51:09,200 --> 00:51:14,440
Speaker 2: handled it. There was a professional I don't want to

1072
00:51:14,440 --> 00:51:18,080
Speaker 2: say friend. But somebody that I kind of know introduced

1073
00:51:18,080 --> 00:51:20,560
Speaker 2: me to somebody via email was like, Hey, this is

1074
00:51:21,040 --> 00:51:22,840
Speaker 2: my colleague.

1075
00:51:22,440 --> 00:51:24,080
Speaker 1: Such and touch and she wanted to connect with you.

1076
00:51:24,400 --> 00:51:26,719
Speaker 2: So that was kind of like number one, which is

1077
00:51:26,760 --> 00:51:29,120
Speaker 2: like I make it a habit not to connect people

1078
00:51:29,160 --> 00:51:33,080
Speaker 2: without the pre tap on the shoulder, you know, because

1079
00:51:33,120 --> 00:51:35,200
Speaker 2: I don't know if you're available, if you're free, if

1080
00:51:35,200 --> 00:51:36,920
Speaker 2: you or whatever. It's like the equivalent of when you

1081
00:51:36,920 --> 00:51:38,759
Speaker 2: were a kid and you brought your friend to the car,

1082
00:51:38,800 --> 00:51:40,760
Speaker 2: You're like, Mom, can you have my friend home? Meanwhile

1083
00:51:40,760 --> 00:51:42,239
Speaker 2: the friend is standing looking.

1084
00:51:45,520 --> 00:51:48,520
Speaker 3: What going to say?

1085
00:51:48,680 --> 00:51:50,000
Speaker 1: And so that's what that looks like.

1086
00:51:50,120 --> 00:51:52,920
Speaker 2: Just so you know, like when you're introducing people, please

1087
00:51:53,000 --> 00:51:55,120
Speaker 2: reach out to the person first to make sure it's okay.

1088
00:51:56,160 --> 00:51:57,480
Speaker 1: And so that.

1089
00:51:57,480 --> 00:51:59,279
Speaker 2: Happened, and I was like, oh, okay, fine, you know,

1090
00:51:59,360 --> 00:52:03,640
Speaker 2: so it was presented that it was like the woman

1091
00:52:03,680 --> 00:52:06,319
Speaker 2: who I was being introduced to had something that she

1092
00:52:06,440 --> 00:52:10,279
Speaker 2: created that would you know, potentially be something a good

1093
00:52:10,280 --> 00:52:13,319
Speaker 2: resource for my audience. And so we got on the

1094
00:52:13,320 --> 00:52:17,680
Speaker 2: phone connected and you know, I was just sharing kind

1095
00:52:17,680 --> 00:52:19,560
Speaker 2: of like what how I built my company for like

1096
00:52:19,600 --> 00:52:21,480
Speaker 2: about a good hour because I always like to see

1097
00:52:21,520 --> 00:52:24,640
Speaker 2: other women, especially black women, do well. And I was like, oh,

1098
00:52:24,680 --> 00:52:28,040
Speaker 2: this was good. And then she asked for additional access

1099
00:52:28,080 --> 00:52:28,600
Speaker 2: and I was like.

1100
00:52:28,640 --> 00:52:29,120
Speaker 1: Wait what.

1101
00:52:29,719 --> 00:52:32,120
Speaker 2: I just spent an hour on the phone and I

1102
00:52:32,160 --> 00:52:34,120
Speaker 2: didn't do what Zion always tells me to do, which

1103
00:52:34,200 --> 00:52:38,879
Speaker 2: is to draw boundaries. And I was kind of like, okay, well,

1104
00:52:39,480 --> 00:52:41,000
Speaker 2: how about it this way? And it was like, no,

1105
00:52:41,040 --> 00:52:43,080
Speaker 2: I'd like to access. I'm trying to be vague enough

1106
00:52:43,120 --> 00:52:45,879
Speaker 2: so I'm not identifying. No, I'd like access in this way.

1107
00:52:46,120 --> 00:52:48,960
Speaker 2: So she was clear, but I was not clear, and

1108
00:52:49,040 --> 00:52:49,359
Speaker 2: I was.

1109
00:52:49,360 --> 00:52:51,160
Speaker 1: Just like, uh, maybe.

1110
00:52:51,239 --> 00:52:54,640
Speaker 2: So she connected with my AD and again got on

1111
00:52:54,680 --> 00:52:59,440
Speaker 2: my calendar again, and I thought it was all good.

1112
00:52:59,520 --> 00:53:03,239
Speaker 2: And then she reached out to my admin about continued

1113
00:53:03,280 --> 00:53:05,879
Speaker 2: mentor like a mentorship and I was so confused because

1114
00:53:05,880 --> 00:53:06,719
Speaker 2: my admin was like, are you.

1115
00:53:06,840 --> 00:53:09,080
Speaker 3: She sign you up for a mentorship program?

1116
00:53:09,160 --> 00:53:10,520
Speaker 1: What I tell you about your Mandy?

1117
00:53:10,719 --> 00:53:12,560
Speaker 2: I was so confused because we have you know, we

1118
00:53:12,600 --> 00:53:14,600
Speaker 2: have that mentorship program which we have not enacted yet,

1119
00:53:14,600 --> 00:53:16,000
Speaker 2: so I know some of you emailed me.

1120
00:53:16,040 --> 00:53:18,160
Speaker 1: It's just been so crazy. Where I said, remember I

1121
00:53:18,160 --> 00:53:19,680
Speaker 1: was going to do and I still am going to

1122
00:53:19,760 --> 00:53:19,960
Speaker 1: do this.

1123
00:53:20,000 --> 00:53:24,120
Speaker 2: We're one one team meeting, one lead team meeting a

1124
00:53:24,120 --> 00:53:26,120
Speaker 2: month that we're going to donate to helping a black

1125
00:53:26,160 --> 00:53:28,480
Speaker 2: woman in business, like just like an hour and a

1126
00:53:28,520 --> 00:53:32,440
Speaker 2: half kind of like crash mentor like hour with someone.

1127
00:53:32,520 --> 00:53:34,399
Speaker 2: So we haven't started that yet, so I thought that's

1128
00:53:34,400 --> 00:53:36,279
Speaker 2: what she was talking about. And I was like, oh,

1129
00:53:36,360 --> 00:53:37,960
Speaker 2: well that hasn't started JET and we kind of already

1130
00:53:37,960 --> 00:53:39,719
Speaker 2: have a waiting list, but you're welcome to join.

1131
00:53:39,800 --> 00:53:41,160
Speaker 1: This is my admin writing.

1132
00:53:40,840 --> 00:53:44,280
Speaker 2: Her, and she was like, no, I'm talking about like

1133
00:53:44,280 --> 00:53:46,520
Speaker 2: like you know, putting me on her calendar again. And

1134
00:53:46,560 --> 00:53:49,920
Speaker 2: she's like you're on her calendar for this later date.

1135
00:53:50,040 --> 00:53:55,120
Speaker 2: She's like, yeah, no again, So why I tell you flabbergasted?

1136
00:53:55,200 --> 00:53:57,840
Speaker 2: And I guess she got so frustrated because my admin

1137
00:53:58,040 --> 00:54:01,239
Speaker 2: couldn't understand how you want to be booked for a

1138
00:54:01,719 --> 00:54:04,680
Speaker 2: third calendar event when the second one hadn't even happened,

1139
00:54:05,160 --> 00:54:08,359
Speaker 2: and she's offering you mentorship in a way that is

1140
00:54:08,400 --> 00:54:11,279
Speaker 2: like appropriate, and so she the woman went back it

1141
00:54:11,320 --> 00:54:16,120
Speaker 2: was like, hey, obviously Tiffany is not interested in growing

1142
00:54:16,160 --> 00:54:19,400
Speaker 2: through partnership, you can go ahead and cancel that appointment.

1143
00:54:19,719 --> 00:54:23,080
Speaker 1: So now I, oh god, I know.

1144
00:54:23,400 --> 00:54:26,080
Speaker 2: And honestly, Zion was like, so she canceled the appointment.

1145
00:54:26,200 --> 00:54:27,520
Speaker 2: I was like, he said, you don't get any points

1146
00:54:27,520 --> 00:54:30,160
Speaker 2: for that. I'm like, ah, man, he said, Tiffany, that's

1147
00:54:30,200 --> 00:54:34,680
Speaker 2: wildly inappropriate. It's okay to draw a boundary and say, hey,

1148
00:54:35,560 --> 00:54:37,520
Speaker 2: I don't have the capacity.

1149
00:54:37,680 --> 00:54:37,840
Speaker 1: You know.

1150
00:54:37,920 --> 00:54:40,000
Speaker 2: He said, you gave for an hour. He said, did

1151
00:54:40,040 --> 00:54:42,880
Speaker 2: you write the initial person back? And I did, and

1152
00:54:42,920 --> 00:54:44,600
Speaker 2: which normally wouldn't have been me. I was proud of that.

1153
00:54:44,640 --> 00:54:48,240
Speaker 2: I wrote her back and said, hey, that this interaction

1154
00:54:48,360 --> 00:54:53,440
Speaker 2: didn't work out, and that there was an expectation that

1155
00:54:53,480 --> 00:54:55,840
Speaker 2: I wasn't able to meet. So it was met with resentment,

1156
00:54:56,680 --> 00:55:00,640
Speaker 2: which was quite honestly disheartening, because you know, I work

1157
00:55:00,719 --> 00:55:04,680
Speaker 2: a lot. I'm already overextended, and I tried to extend

1158
00:55:04,680 --> 00:55:08,000
Speaker 2: myself further but it wasn't enough. And the only thing

1159
00:55:08,040 --> 00:55:09,480
Speaker 2: I was mad at myself is that I apologize at

1160
00:55:09,480 --> 00:55:10,880
Speaker 2: the and I was like, I'm apologized I didn't work out,

1161
00:55:10,960 --> 00:55:12,560
Speaker 2: Like why are you apologize? You didn't do anything wrong?

1162
00:55:12,600 --> 00:55:16,120
Speaker 2: But whatever, I'm still learning. So I wrote her that

1163
00:55:16,160 --> 00:55:17,960
Speaker 2: and I just so, oh, in the future, if you

1164
00:55:18,040 --> 00:55:20,239
Speaker 2: ever want to connect me with somebody, I would appreciate

1165
00:55:20,320 --> 00:55:25,359
Speaker 2: like a courtesy pre email to see so I can

1166
00:55:25,440 --> 00:55:28,120
Speaker 2: gauge ahead of time if I have the capacity, And

1167
00:55:28,160 --> 00:55:29,279
Speaker 2: so she wore me back right away.

1168
00:55:29,320 --> 00:55:31,439
Speaker 1: It was like, oh my goodness, I'm so sorry that

1169
00:55:31,560 --> 00:55:32,120
Speaker 1: this person.

1170
00:55:32,360 --> 00:55:35,080
Speaker 3: Oh so you emailed the person who connected you to

1171
00:55:35,160 --> 00:55:37,880
Speaker 3: this woman without your consent because she was complicit in

1172
00:55:37,920 --> 00:55:39,360
Speaker 3: the situation.

1173
00:55:39,600 --> 00:55:43,279
Speaker 2: Yes, because also too, I wanted that. I'm sure that

1174
00:55:43,440 --> 00:55:46,520
Speaker 2: if said person could the one who wanted me to

1175
00:55:46,520 --> 00:55:49,160
Speaker 2: mentor her could be this aggressive via email. I can

1176
00:55:49,239 --> 00:55:51,319
Speaker 2: only assume that she was going to go back to

1177
00:55:51,520 --> 00:55:55,399
Speaker 2: our mutual person and drag me, you know. So I

1178
00:55:55,440 --> 00:55:58,200
Speaker 2: wanted to not drag her, but to be clear, and

1179
00:55:58,280 --> 00:56:01,680
Speaker 2: I didn't, you know, drag her, but I was clear

1180
00:56:01,719 --> 00:56:03,440
Speaker 2: that you know that it was you know, it was

1181
00:56:03,760 --> 00:56:06,920
Speaker 2: her behavior basically was inappropriate. And so she went back,

1182
00:56:07,040 --> 00:56:08,840
Speaker 2: was like, I'm so sorry that when she approached me

1183
00:56:08,880 --> 00:56:12,239
Speaker 2: to connect with you, it was not in the mentorship capacity.

1184
00:56:12,920 --> 00:56:16,719
Speaker 2: It was because she has this awesome resource and thought

1185
00:56:16,760 --> 00:56:19,359
Speaker 2: that it could be a partnership. But I see that

1186
00:56:19,360 --> 00:56:22,400
Speaker 2: that was not so so because that was not her intent. Obviously,

1187
00:56:22,680 --> 00:56:24,759
Speaker 2: that was her way in to think that she was

1188
00:56:24,800 --> 00:56:29,080
Speaker 2: going to force mentorship on me, and literally nothing could

1189
00:56:29,120 --> 00:56:33,239
Speaker 2: be more out of alignment. You cannot force someone to

1190
00:56:33,280 --> 00:56:36,520
Speaker 2: mentor you. You cannot force your way under someone's calendar.

1191
00:56:37,719 --> 00:56:41,920
Speaker 2: So if you're wanting mentorship from someone, typically it's more

1192
00:56:42,000 --> 00:56:46,120
Speaker 2: of an organic relationship that you build over time, and

1193
00:56:46,480 --> 00:56:48,719
Speaker 2: you know, because there's like you know, there's like a

1194
00:56:48,760 --> 00:56:53,560
Speaker 2: friendship there almost. So I have two hardcoret mentees that

1195
00:56:53,600 --> 00:56:55,440
Speaker 2: I speak too quite regularly, and I have some like

1196
00:56:55,600 --> 00:57:00,719
Speaker 2: about three loose mentees and it's really like, like, you know,

1197
00:57:00,800 --> 00:57:02,920
Speaker 2: we just started talking and I really liked them, and

1198
00:57:03,160 --> 00:57:05,319
Speaker 2: I would pour into them and I would see action taken.

1199
00:57:05,400 --> 00:57:06,680
Speaker 1: So it made me poor even more.

1200
00:57:06,840 --> 00:57:09,520
Speaker 2: And so now we talk fairly regularly, especially one mentor

1201
00:57:09,600 --> 00:57:13,320
Speaker 2: we talk I would say sometimes once a week, sometimes more.

1202
00:57:14,080 --> 00:57:16,320
Speaker 2: So I don't mind mentoring, but it would it would

1203
00:57:16,360 --> 00:57:18,840
Speaker 2: have to be in alignment, and it's certainly not like

1204
00:57:19,400 --> 00:57:22,520
Speaker 2: you know, twisting my arm behind my back. So yeah,

1205
00:57:22,600 --> 00:57:27,680
Speaker 2: that was like my brown break about making sure. One

1206
00:57:27,720 --> 00:57:30,440
Speaker 2: of the things that Zion says is clear. It's kind

1207
00:57:30,680 --> 00:57:34,280
Speaker 2: so if you're wanting something, being clear one in your

1208
00:57:34,320 --> 00:57:37,000
Speaker 2: boundaries if you're not wanting something, but also being clear

1209
00:57:37,400 --> 00:57:40,600
Speaker 2: in if you're wanting something, so someone can decide up

1210
00:57:40,600 --> 00:57:43,360
Speaker 2: front if if it's going to be a fit for them,

1211
00:57:43,960 --> 00:57:47,200
Speaker 2: because clear truly is kind and so yeah, I just thought, like,

1212
00:57:47,240 --> 00:57:49,840
Speaker 2: so that's my brown boost of like, you know, people

1213
00:57:50,960 --> 00:57:53,360
Speaker 2: being gangster in my email trying to demand time.

1214
00:57:53,400 --> 00:57:56,240
Speaker 1: I just couldn't believe it. I'm like, is she is

1215
00:57:56,280 --> 00:57:58,480
Speaker 1: she quitting me? Okay?

1216
00:57:58,720 --> 00:57:59,680
Speaker 2: Yeah, yeah, I.

1217
00:57:59,640 --> 00:58:02,400
Speaker 3: Think that's it's just a different. Yeah, it's slightly different.

1218
00:58:02,400 --> 00:58:04,960
Speaker 3: And I think in that case, you definitely made the

1219
00:58:05,040 --> 00:58:07,080
Speaker 3: right move by reaching out to the connect the one

1220
00:58:07,080 --> 00:58:09,800
Speaker 3: who connected you guys, versus sending something snarky back to

1221
00:58:09,840 --> 00:58:13,080
Speaker 3: that woman. I don't know. I told Christina, I was like,

1222
00:58:13,160 --> 00:58:15,200
Speaker 3: five years ago, what would I have done in response

1223
00:58:15,200 --> 00:58:18,520
Speaker 3: to that email? I can't tell you. But I am

1224
00:58:18,600 --> 00:58:23,240
Speaker 3: proud that I am open enough to criticism myself. I

1225
00:58:23,280 --> 00:58:25,520
Speaker 3: know I'm not perfect. I know every interaction I have.

1226
00:58:25,560 --> 00:58:28,400
Speaker 3: I am not a winning star. I told Christina, like,

1227
00:58:28,400 --> 00:58:30,760
Speaker 3: there's sometimes I drag myself to brown ambition, and then

1228
00:58:30,800 --> 00:58:33,600
Speaker 3: Tiffany levels me up, and I level up because of

1229
00:58:33,640 --> 00:58:36,120
Speaker 3: tiff and we bounce off each other and I become

1230
00:58:36,200 --> 00:58:40,480
Speaker 3: the better version of myself. And I think, especially in

1231
00:58:40,560 --> 00:58:43,760
Speaker 3: these times, in these circumstances, people are being tested in

1232
00:58:43,800 --> 00:58:45,920
Speaker 3: ways they have never been tested before. And I consider

1233
00:58:45,960 --> 00:58:49,600
Speaker 3: myself to be extremely resilient, very resourceful of badass work

1234
00:58:49,600 --> 00:58:52,480
Speaker 3: in Mama. Okay, but even I can be burnt out

1235
00:58:52,520 --> 00:58:54,520
Speaker 3: and not be my best self. And if you're in

1236
00:58:54,560 --> 00:58:58,400
Speaker 3: a situation where maybe someone wasn't all there, I would say,

1237
00:58:58,920 --> 00:59:00,600
Speaker 3: and I'm trying to do this too, to you know,

1238
00:59:00,640 --> 00:59:04,280
Speaker 3: give them the benefit of doubt, ask them if they're okay.

1239
00:59:04,320 --> 00:59:07,200
Speaker 3: Like you know, we all just need more to treat

1240
00:59:07,240 --> 00:59:09,880
Speaker 3: each other, like you know, from a place of humanity,

1241
00:59:10,560 --> 00:59:13,560
Speaker 3: in a place of generosity. And I think you can

1242
00:59:13,600 --> 00:59:16,000
Speaker 3: tell a lot about people when you open up to

1243
00:59:16,040 --> 00:59:17,600
Speaker 3: them and you share a bit of your story and

1244
00:59:17,640 --> 00:59:20,880
Speaker 3: how they take that And anyway, I'm very excited. Christina

1245
00:59:20,920 --> 00:59:23,520
Speaker 3: and Aman are fabulous. You've got to go subscribe to

1246
00:59:23,520 --> 00:59:27,920
Speaker 3: their YouTube channel, Our Rich Journey. They retired at forty

1247
00:59:28,040 --> 00:59:30,480
Speaker 3: years old and they are living in Portugal with their

1248
00:59:30,520 --> 00:59:33,120
Speaker 3: two daughters. They are from the Bay Area. They have

1249
00:59:33,200 --> 00:59:35,680
Speaker 3: a fabulous story and they're going to talk to us

1250
00:59:35,840 --> 00:59:38,160
Speaker 3: about even during a pandemic because the way that they

1251
00:59:38,200 --> 00:59:41,800
Speaker 3: retired early was the magic of investing and it's truly leveraging.

1252
00:59:41,960 --> 00:59:44,880
Speaker 3: It only took them eight years to save multimillions of

1253
00:59:44,960 --> 00:59:48,880
Speaker 3: dollars to retire early, and they are extremely smart. They

1254
00:59:48,920 --> 00:59:52,840
Speaker 3: did it all themselves. They don't have any knowledge. Excuse me,

1255
00:59:52,920 --> 00:59:56,080
Speaker 3: they haven't acquired any knowledge that we couldn't get our damnselves.

1256
00:59:56,400 --> 00:59:59,320
Speaker 3: And they have been generous enough to share their stories

1257
00:59:59,360 --> 01:00:02,200
Speaker 3: and to share, you know, lessons that they've learned with

1258
01:00:02,440 --> 01:00:05,960
Speaker 3: their audience, and honestly, especially when it comes to the

1259
01:00:05,960 --> 01:00:09,520
Speaker 3: fire movement, the financial independence retire early. How often do

1260
01:00:09,560 --> 01:00:14,320
Speaker 3: you see a brown face? Very rarely, let alone a

1261
01:00:14,800 --> 01:00:19,320
Speaker 3: couple with kids at that with kids. So it's like

1262
01:00:19,560 --> 01:00:21,680
Speaker 3: all the excuses you have to not strive for this

1263
01:00:22,040 --> 01:00:25,320
Speaker 3: level of badassory, like you ain't got them. You got kids, Okay,

1264
01:00:25,320 --> 01:00:27,919
Speaker 3: they got kids, you know, it's they have a They're

1265
01:00:28,000 --> 01:00:30,560
Speaker 3: just I want to get to know them better. And

1266
01:00:30,600 --> 01:00:33,880
Speaker 3: I'm really glad that we were able to get back

1267
01:00:33,920 --> 01:00:35,800
Speaker 3: on the same page. And you guys will be hearing

1268
01:00:35,800 --> 01:00:37,960
Speaker 3: from them very soon, if not next week and the

1269
01:00:38,000 --> 01:00:42,360
Speaker 3: week after Christina and Iman and again our rich journey.

1270
01:00:42,920 --> 01:00:48,320
Speaker 3: Ow woof all this introspective work, Yes, reflection of growth.

1271
01:00:49,160 --> 01:00:53,640
Speaker 2: It's exhausted, Okay, growth is exhausted, but it's worth it.

1272
01:00:53,640 --> 01:00:53,880
Speaker 1: It does.

1273
01:00:54,000 --> 01:00:57,360
Speaker 3: I just feel like I've become a much better kinder

1274
01:00:57,840 --> 01:01:02,920
Speaker 3: person this year. I do cutthroat is great and it

1275
01:01:02,960 --> 01:01:06,400
Speaker 3: gets you certain places. But if there's one thing between

1276
01:01:06,400 --> 01:01:11,120
Speaker 3: motherhood and this pandemic and career growth, I just feel

1277
01:01:11,400 --> 01:01:13,280
Speaker 3: I just know what the world needs. We guess we

1278
01:01:13,360 --> 01:01:15,480
Speaker 3: need badass people who get shipped down, but we also

1279
01:01:15,600 --> 01:01:21,240
Speaker 3: need kind people, generous people, empathetic people, listening people, and

1280
01:01:21,320 --> 01:01:24,000
Speaker 3: if we can just have more of that, that is

1281
01:01:24,040 --> 01:01:26,440
Speaker 3: what I am going. That's how I've grown this year, and.

1282
01:01:27,320 --> 01:01:29,760
Speaker 2: It's literally I feel like the literal is the opposite

1283
01:01:29,800 --> 01:01:34,680
Speaker 2: for me that like, I have grown in setting boundaries

1284
01:01:35,280 --> 01:01:39,760
Speaker 2: and being okay with saying no. And that's why I

1285
01:01:39,800 --> 01:01:44,520
Speaker 2: think we make such a good like ying Yang, because

1286
01:01:44,560 --> 01:01:45,400
Speaker 2: it's something.

1287
01:01:45,120 --> 01:01:49,240
Speaker 1: That like I need because you know it.

1288
01:01:49,720 --> 01:01:54,320
Speaker 2: Without it, it's like, well, I know I always say zion,

1289
01:01:54,320 --> 01:01:55,920
Speaker 2: but what Zien calls an integrity breach.

1290
01:01:55,960 --> 01:01:58,000
Speaker 1: So I want a thing for you. I want joy

1291
01:01:58,040 --> 01:01:58,800
Speaker 1: and I want laughter.

1292
01:01:58,880 --> 01:02:00,560
Speaker 2: I want all that for you, But I don't have

1293
01:02:00,680 --> 01:02:05,200
Speaker 2: that for myself because I overextend myself and from fear

1294
01:02:05,240 --> 01:02:07,560
Speaker 2: of saying no, because I don't want to disappoint people.

1295
01:02:07,600 --> 01:02:09,439
Speaker 2: And it's like, well, that's an integquity breach. I can't

1296
01:02:09,480 --> 01:02:12,040
Speaker 2: ask for you to have joy and then don't seek

1297
01:02:12,120 --> 01:02:14,920
Speaker 2: joy for myself. So that learning how to have boundaries

1298
01:02:15,000 --> 01:02:18,600
Speaker 2: and being okay with people being upset with me. So yeah,

1299
01:02:18,640 --> 01:02:21,560
Speaker 2: that's I've grown in that way. So it's just you know,

1300
01:02:21,600 --> 01:02:23,960
Speaker 2: there's there's harmony and balance that needs to be had

1301
01:02:24,000 --> 01:02:24,320
Speaker 2: either way.

1302
01:02:24,360 --> 01:02:25,440
Speaker 1: I don't think you.

1303
01:02:25,400 --> 01:02:27,920
Speaker 2: Know overly yes, yes, yes, this is a good thing,

1304
01:02:27,920 --> 01:02:29,480
Speaker 2: and overly no, no, no, it's a good thing. I

1305
01:02:29,520 --> 01:02:32,320
Speaker 2: think somewhere in between, and I think we're learning and

1306
01:02:32,320 --> 01:02:34,920
Speaker 2: going and getting better and cuter.

1307
01:02:35,160 --> 01:02:37,880
Speaker 3: On are grown ish. You're about to see it for

1308
01:02:37,960 --> 01:02:40,800
Speaker 3: good and cuter when the we update our podcast. Yet

1309
01:02:41,560 --> 01:02:45,480
Speaker 3: you'll see. All right, tip Man has it's been the

1310
01:02:45,480 --> 01:02:50,760
Speaker 3: longest recording in Grana bits in history. I love you

1311
01:02:50,840 --> 01:02:54,280
Speaker 3: for it. Let's without further ado. Goodbye, Please go get

1312
01:02:54,320 --> 01:02:55,880
Speaker 3: some rest. I'm going to do the same. Thank you

1313
01:02:55,920 --> 01:02:58,520
Speaker 3: guys for listening. Like us in iTunes or what do

1314
01:02:58,520 --> 01:03:00,400
Speaker 3: you do in iTunes? Leave a comment, leave us a

1315
01:03:00,400 --> 01:03:03,400
Speaker 3: five star rating. Hello friend helous on Insta do all

1316
01:03:03,400 --> 01:03:06,640
Speaker 3: the things help us get Brown Ambition out there. Thank

1317
01:03:06,680 --> 01:03:07,200
Speaker 3: you so much.

1318
01:03:07,240 --> 01:03:18,760
Speaker 1: All right, good bye,