WEBVTT - Ep 226 - Don't Solve The Same Problem Twice 0:00:16.079 --> 0:00:20.200 Hey, Hey, Hey, we're back. 0:00:20.600 --> 0:00:24.680 We're black, We're brown Ambition. 0:00:27.920 --> 0:00:30.000 Hey, and Andrew, Hey, mis s, Tiffany. 0:00:30.120 --> 0:00:30.880 I think that. 0:00:30.760 --> 0:00:35.280 Brown Ambishin is reaching just just a myriad of amazing people, honestly. 0:00:35.479 --> 0:00:38.760 So one of my friends, Alex Hardy, Hey, Alex, he 0:00:38.920 --> 0:00:42.040 posted the the uh, what was that thing I was 0:00:42.040 --> 0:00:42.920 talking about last week? 0:00:43.000 --> 0:00:44.800 The genius zone? 0:00:45.760 --> 0:00:47.720 Right, the Zone of Excellence, right, zone of Genius. 0:00:47.760 --> 0:00:48.959 Meanwhile, I should know, but. 0:00:49.360 --> 0:00:51.600 We called them the Zone of Excellence the entire show 0:00:51.680 --> 0:00:53.280 last week. Zone of Genius. 0:00:53.320 --> 0:00:57.720 Okay, yes, but he posted it and he got it right. 0:00:58.440 --> 0:00:59.720 But I just thought that it was so great to 0:00:59.800 --> 0:01:02.560 see he was just sharing how helpful it was, and 0:01:02.560 --> 0:01:06.200 he shared on his socials and people were like, oh 0:01:06.240 --> 0:01:07.760 my gosh, this is so great. So I just thought 0:01:07.840 --> 0:01:10.200 that that that was really awesome, that we're really just 0:01:10.240 --> 0:01:13.119 helping people. And I love the fact that CALLI, who 0:01:13.319 --> 0:01:16.040 edits our show, put a lot of that in our 0:01:16.080 --> 0:01:18.120 show notes. So if you hear us talk about something 0:01:18.160 --> 0:01:21.280 really interesting, you'll be able to find those links to 0:01:21.360 --> 0:01:22.600 those things in the show notes. 0:01:22.680 --> 0:01:23.040 Largely. 0:01:23.160 --> 0:01:26.120 So, I just think that branham Bish's out here kicking 0:01:26.160 --> 0:01:30.240 butt and taking names. Oh and someone messaged me and said, girl, 0:01:31.120 --> 0:01:34.160 I too grew up saying coochie crunch, And. 0:01:34.400 --> 0:01:37.679 Yes, I'm saying it again. Literally, it just means tight 0:01:37.880 --> 0:01:38.959 and tight quarters. 0:01:39.360 --> 0:01:43.560 And she was, I need this definition. I had never 0:01:43.600 --> 0:01:44.360 heard this before. 0:01:44.520 --> 0:01:47.600 Okay, and just be like, Okay, So me and my 0:01:47.640 --> 0:01:49.400 best friend we hang out all the time, you know, 0:01:49.560 --> 0:01:51.960 we're like you know, I'm trying to think. 0:01:52.000 --> 0:01:52.360 I don't know. 0:01:52.400 --> 0:01:54.160 I just use it when you're supposed to use it. 0:01:54.160 --> 0:01:59.120 It just means like you're it just means in tight proximity. 0:01:59.480 --> 0:02:04.400 So figuratively or literally, in type proximity, that's what that means, 0:02:04.480 --> 0:02:06.920 loving like, oh we're best friends. For girl, we all 0:02:06.960 --> 0:02:10.240 kuchi crunch be best friends. So at the time, you know, 0:02:10.440 --> 0:02:12.519 saying it in third grade, I'm sure I didn't realize 0:02:12.600 --> 0:02:15.720 it how I must have sounded. But I don't know 0:02:15.800 --> 0:02:18.680 the origins of such saying. But I do know that 0:02:19.320 --> 0:02:21.000 where I grew up, there was something that we said 0:02:21.040 --> 0:02:22.760 and it wasn't It wasn't a bad word, at least 0:02:22.840 --> 0:02:24.359 not the one that I knew of. But it was 0:02:24.440 --> 0:02:27.160 hilarious that someone else dm me was like girls. 0:02:27.240 --> 0:02:27.600 She says. 0:02:27.639 --> 0:02:30.000 She howled when she heard it. Was like I grew 0:02:30.040 --> 0:02:32.680 up saying that too. So yeah, so Bran a Bischen 0:02:32.760 --> 0:02:35.520 is out here changing lives and reminding people of their 0:02:36.400 --> 0:02:38.760 their non traditional upbringing. 0:02:39.240 --> 0:02:42.040 Okay, I love it and honestly thank you. I don't 0:02:42.080 --> 0:02:43.440 know if that was a pep talk, but it made 0:02:43.440 --> 0:02:47.440 me feel a lot better. Kuchi Crunch, All right, well 0:02:47.480 --> 0:02:51.079 listen this. Like I said, it's been rough, but the one, 0:02:51.120 --> 0:02:53.079 the one shining light, I think for both of us, 0:02:53.600 --> 0:02:57.200 has been the podcast. Right over the past five months 0:02:57.240 --> 0:03:00.360 of quarantine, this show has given us life and our 0:03:00.400 --> 0:03:02.680 listenership is up, and I just want to say hello 0:03:02.720 --> 0:03:04.760 and thank you to all of our new listeners. And 0:03:04.800 --> 0:03:07.640 also we don't usually do this, but we want to 0:03:07.680 --> 0:03:10.480 ask you for something. Could you guys help support the 0:03:10.520 --> 0:03:13.120 show by sharing it with a friend, posting it on 0:03:13.160 --> 0:03:17.240 social or even going to iTunes and leaving a comment 0:03:17.480 --> 0:03:21.280 and a star rating. That would be amazing. Oh man, 0:03:21.280 --> 0:03:22.160 did it sound bitchy? 0:03:23.040 --> 0:03:25.040 No? No, it's meaning. 0:03:24.880 --> 0:03:27.560 Like what Oh wait, I'm just doing it now. I'm 0:03:27.639 --> 0:03:31.880 apologizing for asking for a thing and I shouldn't do that, right, Yeah, 0:03:32.080 --> 0:03:32.480 that was. 0:03:32.400 --> 0:03:33.520 A drama triangle. 0:03:34.040 --> 0:03:38.640 So you're worried about for being perceived as the not 0:03:38.720 --> 0:03:43.960 the predator, it's it's actually the p it's the persecutor person. 0:03:43.960 --> 0:03:45.680 It's like that people are gonna perceive me as someone 0:03:45.720 --> 0:03:48.640 who's like, oh, but no. We're just basically asking. 0:03:48.400 --> 0:03:50.520 Can you share this podcast with folks please? 0:03:51.080 --> 0:03:54.320 You're right, it is not too much to ask. Yes. Well, 0:03:54.400 --> 0:03:56.880 let's be specific. Okay, so what are we asking you 0:03:56.920 --> 0:03:59.640 guys for? If you want to share on social why 0:03:59.640 --> 0:04:01.800 don't you take a screenshot of the show or you 0:04:01.840 --> 0:04:05.000 can even now with the iPhones, you can record a 0:04:05.120 --> 0:04:08.120 video of your what you're viewing on your phone. So 0:04:08.440 --> 0:04:10.360 a lot of people have been taking little snippets of 0:04:10.440 --> 0:04:13.320 our show that they like, little nuggets, little quotes, and 0:04:13.360 --> 0:04:15.920 they have been creating soundbites and posting those on Insta. 0:04:16.000 --> 0:04:18.880 That's a good idea, even just a screenshot shared on Insta, 0:04:18.920 --> 0:04:21.159 on Facebook, or just tell a friend, to tell a friend, 0:04:21.920 --> 0:04:24.040 and especially if you want to help us rise in 0:04:24.080 --> 0:04:27.240 the rankings on the All Important iTunes leaving us a 0:04:27.560 --> 0:04:29.880 comment and leaving a rating on our show, I think 0:04:29.880 --> 0:04:32.359 we're we usually are like a four point eighty five 0:04:32.640 --> 0:04:35.160 star rating. I mean that is amazing. Thank you guys. 0:04:35.200 --> 0:04:37.720 Just any little extra nudge you can give us is great. 0:04:37.839 --> 0:04:40.560 Yes, so I just yeah, we're just going to ask that, 0:04:40.600 --> 0:04:42.520 and we're going to ask that every show because we're 0:04:42.560 --> 0:04:45.240 just like, you know, I feel like we show up, 0:04:45.320 --> 0:04:48.200 we show out, and we would love for the people 0:04:48.279 --> 0:04:51.280 that you care about if you love our show, I'm 0:04:51.279 --> 0:04:53.560 sure they would love it too. So yeah, tag us 0:04:53.600 --> 0:04:57.520 Share definitely, tag us Broad Ambition podcast on IG I 0:04:57.560 --> 0:04:58.600 Am the Budgetista. 0:04:58.720 --> 0:05:02.760 Mandy is Mandy with an E money Bless you Child. Yeah. 0:05:02.800 --> 0:05:05.320 I love when you tad because and I always reshare 0:05:05.360 --> 0:05:07.560 it and so it just gives me a little smiley. 0:05:07.680 --> 0:05:10.479 So yeah, Well, thank y'all. 0:05:10.600 --> 0:05:14.120 So how have you been since last week? Since time 0:05:14.200 --> 0:05:14.880 we spoke. 0:05:14.680 --> 0:05:17.800 Last You know what, let me be honest, I think 0:05:17.839 --> 0:05:21.000 I've told y'all about the fact that my husband is 0:05:21.000 --> 0:05:24.480 now going into the office two days a week and 0:05:25.000 --> 0:05:28.600 it has really changed. Well it's changed, you know, two 0:05:28.640 --> 0:05:30.279 days a week. I know I'm not going to have help. 0:05:30.920 --> 0:05:33.480 And it's been a few weeks now, or maybe it's 0:05:33.480 --> 0:05:35.240 been two or three. I don't know. All concept of 0:05:35.279 --> 0:05:37.760 time has like gone out the window. But I do 0:05:37.839 --> 0:05:41.880 feel like I'm doing okay. That being said, clearly, I 0:05:41.920 --> 0:05:45.839 am more tired on those days and I'm not gonna lie, 0:05:46.520 --> 0:05:48.800 I'm a little jealous, Like I'm going back to those 0:05:48.920 --> 0:05:51.120 days of maternity leave when my husband, you know, he 0:05:51.160 --> 0:05:53.839 only had six weeks off for parental leave, so he 0:05:53.880 --> 0:05:55.799 had to go back to work and I was home 0:05:55.920 --> 0:05:58.960 six weeks in alone, didn't have any help because I 0:05:59.040 --> 0:06:00.960 was stubborn and proud and all those things that you 0:06:01.000 --> 0:06:02.440 know you shouldn't be. But what are you going to 0:06:02.520 --> 0:06:07.800 do with your postpartum anxiety brain? But so I am 0:06:07.800 --> 0:06:09.479 a little jealous. I mean I think about him on 0:06:09.520 --> 0:06:11.960 the train, those like forty minutes He gets to think 0:06:12.000 --> 0:06:15.880 whatever he wants to think uninterrupted. Like that just sounds great. 0:06:17.000 --> 0:06:21.200 It sounds like a dream in general, though, Yeah, I'm coping. 0:06:21.279 --> 0:06:24.120 What I've tried to do with my schedule is stack 0:06:24.720 --> 0:06:28.960 most meetings and schedule focus time for myself. Like I 0:06:28.960 --> 0:06:33.200 actually found out through the Outlook. Our company uses Outlook, 0:06:33.279 --> 0:06:36.279 that you can you can create a calendar and you 0:06:36.320 --> 0:06:39.599 can activate this tool that actually finds one to two 0:06:39.600 --> 0:06:42.080 hours of focus time on your calendar and it will 0:06:42.080 --> 0:06:45.640 schedule focus time. So when I look at my calendar, 0:06:45.760 --> 0:06:48.160 no one can book a meeting during that time. And 0:06:48.200 --> 0:06:51.159 I know every day, my handy dandy I don't know 0:06:51.200 --> 0:06:53.560 what do you call it? An algorithm, an AI, a bot? 0:06:53.720 --> 0:06:57.039 My mail bot has carved out time for my schedule, 0:06:57.040 --> 0:06:57.839 which has helped. 0:06:58.520 --> 0:06:58.599 That. 0:06:58.720 --> 0:07:01.520 Being said, you know, I continue to be so grateful 0:07:01.880 --> 0:07:05.359 for the flexibility that my colleagues have offered me, the 0:07:05.400 --> 0:07:07.800 fact that I don't have to worry about having a 0:07:07.839 --> 0:07:11.040 baby in the background, and I can reschedule things, and 0:07:11.800 --> 0:07:13.680 I have, and I hope a lot of you guys 0:07:13.680 --> 0:07:15.960 are out there now have gotten used to asking for 0:07:16.000 --> 0:07:19.120 that flexibility, and you know, you don't feel guilty about it. 0:07:19.520 --> 0:07:22.760 There's nothing like I'm only going to stress myself out 0:07:22.800 --> 0:07:25.120 and get burnt out and not be able to with 0:07:25.200 --> 0:07:26.920 the time that I do have to devote to work, 0:07:27.040 --> 0:07:30.360 not bring my full best self to work if I 0:07:30.400 --> 0:07:33.720 do not take charge of my schedule and make it 0:07:33.760 --> 0:07:36.840 work for me. And yeah, I'm grateful for that. And 0:07:37.520 --> 0:07:41.239 as far as I'm concerned, will we continue without child 0:07:41.240 --> 0:07:44.760 care for the time being, Yes, I will say, though 0:07:44.840 --> 0:07:47.800 I'm grateful that my company's offered a little bit of 0:07:47.800 --> 0:07:51.600 a stipend that I could possibly use for babysitting or 0:07:51.680 --> 0:07:54.400 some childcare. I just don't know if mentally I'm ready 0:07:54.440 --> 0:07:58.800 to have someone in the house holding my child. But yeah, 0:07:58.800 --> 0:08:01.960 we're hanging in there. And to any parents you guys 0:08:02.000 --> 0:08:04.480 are listening to the show, what are you guys doing 0:08:04.480 --> 0:08:07.360 for childcare? What are you doing about school? You know, 0:08:07.480 --> 0:08:09.440 school starting in the fall. We'd love to hear from 0:08:09.480 --> 0:08:13.360 you guys. Hit us up, share your stories. Brannambissionpodcasts at 0:08:13.360 --> 0:08:15.040 gmail dot com or you know, you can always find 0:08:15.080 --> 0:08:18.680 us on Instagram at brown Ambition, at Brownibission Podcasts on 0:08:18.720 --> 0:08:19.119 the Gram. 0:08:19.480 --> 0:08:20.400 I can't even imagine. 0:08:20.440 --> 0:08:23.040 I saw far News, one of our financial faiths, talk 0:08:23.080 --> 0:08:27.880 about like school and she reached she recently moved to Jersey. 0:08:27.440 --> 0:08:29.160 And she's almost a neighbor. I mean, she doesn't live 0:08:29.200 --> 0:08:29.480 in New York. 0:08:29.480 --> 0:08:31.360 But I'm just saying, like where she listen is not 0:08:31.680 --> 0:08:33.920 it's not I mean, Jersey's like, you know, relatively not 0:08:33.960 --> 0:08:34.280 that big. 0:08:34.360 --> 0:08:36.480 So anyway, hey news, Hey, And she. 0:08:36.480 --> 0:08:39.959 Was talking about that that you know, they're trying to debate, 0:08:40.040 --> 0:08:41.840 like I think she decided that they're not going to 0:08:41.840 --> 0:08:43.560 send their kids back to school and she knows that 0:08:43.600 --> 0:08:46.440 everyone doesn't have the ability to do so, and like, 0:08:46.480 --> 0:08:49.480 what do you do? It's just such a crazy time 0:08:49.520 --> 0:08:54.880 because I'm you know, Supergirl is thirteen and she is 0:08:54.920 --> 0:08:57.240 supposed to go to high school? What does that look like? 0:08:58.040 --> 0:09:00.520 And so it's her first year and she's excited, and 0:09:00.559 --> 0:09:04.120 it's like, is that even gonna happen? I honestly don't know. 0:09:05.120 --> 0:09:08.600 It's easier for my nieces and my nephew because they're 0:09:08.600 --> 0:09:09.000 so little. 0:09:09.040 --> 0:09:10.160 They're all under the age of four. 0:09:10.240 --> 0:09:12.280 So one more year home is not a big eat, 0:09:12.280 --> 0:09:16.199 because you know, kindergarten is something that if you don't 0:09:16.520 --> 0:09:18.760 you know, if you don't make it, you know, if 0:09:18.800 --> 0:09:21.120 you don't go to kindergarten, you can still be fine 0:09:21.160 --> 0:09:21.760 for first grade. 0:09:22.559 --> 0:09:23.319 So yeah, it's. 0:09:23.160 --> 0:09:27.000 Just just figuring out. Like watching the parents in my 0:09:27.040 --> 0:09:29.160 life figure that out. I can't even imagine the level 0:09:29.200 --> 0:09:30.160 of stress and worry. 0:09:31.200 --> 0:09:34.320 So well, we are here for you, guys, and alongside 0:09:34.320 --> 0:09:37.880 you guys and TI if you're right, I mean a teenager, 0:09:38.559 --> 0:09:42.480 like the older kids are the ones who are really suffering. Well, 0:09:42.679 --> 0:09:44.240 if you guys are out there, if you have any like, 0:09:44.280 --> 0:09:46.640 what are you guys doing? What are you doing about summercare? 0:09:48.080 --> 0:09:50.160 It's crazy that most of the country, it feels like 0:09:50.240 --> 0:09:52.439 schools have not even made an announcement about what the 0:09:52.440 --> 0:09:54.320 school year is going to look like and that's coming up. 0:09:55.160 --> 0:09:58.079 So if you've got stories again, hit us up Brown 0:09:58.080 --> 0:10:03.800 Ambition at gmail dot com or hit us up on Instagram. 0:10:03.840 --> 0:10:07.040 We are at Branna Bisson podcast on the gram. But anyway, 0:10:07.280 --> 0:10:11.280 what's happening in your world? Tip catch me up? 0:10:11.520 --> 0:10:13.679 Well, I did, like a grown up thing, like this week, 0:10:13.720 --> 0:10:20.080 I increased my life insurance for both my personal But did. 0:10:19.960 --> 0:10:22.640 You always also know that, Like I. 0:10:22.080 --> 0:10:24.640 Were meeting with so for the business, we were like, okay, 0:10:24.640 --> 0:10:27.080 we are not covered enough because the business is doing better. 0:10:27.120 --> 0:10:29.640 So you're always wanting to make sure that you have 0:10:29.840 --> 0:10:33.000 enough insurance just in case for the business. 0:10:33.040 --> 0:10:35.200 And something came up that perhaps me. 0:10:35.520 --> 0:10:39.040 You know, two of my businesses have a business partner 0:10:39.559 --> 0:10:42.679 and just figuring out should we have life insurance on 0:10:42.720 --> 0:10:44.680 each other because we both play a pivotal role in 0:10:44.720 --> 0:10:46.600 the business. So I never thought about that. So we 0:10:46.679 --> 0:10:48.959 met with our agent today. Shout out to you, David Moore, 0:10:49.800 --> 0:10:52.080 so we I think we're going to go through with it. 0:10:52.120 --> 0:10:55.280 And I was actually surprised at the cost. It wasn't 0:10:55.400 --> 0:10:57.320 as costly as I thought. So I'll give you guys 0:10:57.360 --> 0:11:02.520 a like a for three million dollar for me for 0:11:02.880 --> 0:11:06.160 I think you said it was like a twenty years, 0:11:06.200 --> 0:11:08.160 so that means you're locking that way for twenty years. 0:11:08.360 --> 0:11:11.000 It was like sixteen hundred dollars a month, not a 0:11:11.000 --> 0:11:14.080 month a year. So that's not bad at all, right, 0:11:14.240 --> 0:11:17.920 sixteen hundred dollars, So what is that like not a 0:11:17.920 --> 0:11:20.600 little over one hundred bucks a month to get three 0:11:20.600 --> 0:11:23.320 million dollars for the year. So it was actually more. 0:11:23.360 --> 0:11:26.280 I guess I was thinking. I don't know that it 0:11:26.320 --> 0:11:28.040 was going to be significantly more. 0:11:28.920 --> 0:11:29.480 So we're just. 0:11:29.480 --> 0:11:32.480 Looking into that because so if I were not to 0:11:32.520 --> 0:11:36.199 be here that income. So one of the main reasons 0:11:36.200 --> 0:11:38.520 why you would have life insurance on your business partner 0:11:39.040 --> 0:11:43.480 is that it would help if you're going to buy 0:11:43.559 --> 0:11:47.640 out their interest. So let's just say I'm not here, 0:11:48.000 --> 0:11:50.200 my business partner is not trying to be in business 0:11:50.200 --> 0:11:53.720 with my husband. So having, you know, depending on how 0:11:53.760 --> 0:11:57.920 much we decide, having insurance on me means that like, 0:11:58.000 --> 0:12:03.559 once wants that money is you know, received, he can 0:12:03.559 --> 0:12:07.720 potentially say, hey, you know, I had the company audited 0:12:07.960 --> 0:12:09.920 or whatever, and this is how much it's worth, and 0:12:09.920 --> 0:12:12.719 this is how much Tiffany's percentage is worth. I want 0:12:12.760 --> 0:12:14.960 to buy you out, and here's the money. 0:12:14.760 --> 0:12:15.439 To do so. 0:12:15.440 --> 0:12:16.880 So I just like, you know, if you have businesses, 0:12:16.920 --> 0:12:18.839 these are things you think about. You're like, wow, it's 0:12:18.880 --> 0:12:21.640 something that I did, Like is let's just say, I 0:12:21.679 --> 0:12:24.280 don't know. We go going about our business and we 0:12:24.360 --> 0:12:27.280 decide later that we sell the business. In ten years 0:12:27.320 --> 0:12:29.880 and done, dada da, both of us are still alive. 0:12:30.160 --> 0:12:32.440 What's so great is that we can then change the 0:12:32.440 --> 0:12:36.480 beneficiaries on our insurance policy, so it doesn't like go 0:12:36.559 --> 0:12:38.000 to waste, like, oh. 0:12:37.840 --> 0:12:39.160 Well, I don't want that. 0:12:39.240 --> 0:12:41.319 I no longer have the business and my business partner 0:12:41.360 --> 0:12:44.600 is the beneficiary for this insurance policy when we're no 0:12:44.640 --> 0:12:47.959 longer business partners. So it's just something I never thought 0:12:48.000 --> 0:12:50.400 about before, and now that we're doing I'm like, oh, 0:12:50.520 --> 0:12:53.520 I feel so grewn Up's especially since Superman and I 0:12:53.559 --> 0:12:58.920 increased our life insurance policies, like personally, so it was 0:12:58.960 --> 0:13:03.200 my life Angelie, who's my financial planner, that was like, 0:13:03.280 --> 0:13:06.480 you know, also look at your business and make sure 0:13:06.520 --> 0:13:07.640 that you are fully insured. 0:13:07.640 --> 0:13:10.320 There sometimes insurance you think it's going to cost so much. 0:13:10.200 --> 0:13:12.400 Like I remember when Angelae first met my husband and I, 0:13:12.480 --> 0:13:14.520 she's like, you don't have enough of an umbrella policy 0:13:15.160 --> 0:13:18.200 or enough of you're underinsured and I was like, oh, 0:13:18.240 --> 0:13:20.280 what does that mean. She's like, I A would suggest 0:13:20.320 --> 0:13:22.480 you get a million dollar umbrella policy. I was like, 0:13:22.559 --> 0:13:24.880 oh boy, how much is that going to cost? It 0:13:24.920 --> 0:13:26.440 was like four hundred dollars for the year. 0:13:26.760 --> 0:13:27.160 Oh wow. 0:13:27.200 --> 0:13:29.360 I was like, oh weka. 0:13:30.400 --> 0:13:33.360 So you know, sometimes we're afraid of insurance because we 0:13:33.400 --> 0:13:35.640 think it's going to be so costly, But sitting down 0:13:35.679 --> 0:13:38.680 with someone to talk about it is, you know, worst 0:13:38.720 --> 0:13:40.840 thing you can hear is I mean worst case? You know, 0:13:40.880 --> 0:13:42.559 maybe it's something you can't afford right now, but it 0:13:42.640 --> 0:13:45.480 might be more affordable than you think and really save 0:13:45.559 --> 0:13:46.960 you a ton of money in the long run. 0:13:47.200 --> 0:13:49.280 I love saving money. And when it comes to shopping 0:13:49.320 --> 0:13:51.720 for life insurance policy, what's that sight You always mentioned 0:13:52.120 --> 0:13:55.079 policy GENI I love policy genis right, So that was 0:13:55.120 --> 0:13:56.559 one of the ones that I used when I was 0:13:56.600 --> 0:13:59.480 shopping for life insurance policy. And also you have quote Wizard, 0:13:59.520 --> 0:14:02.440 do you have value Penguin? There are plenty of options 0:14:02.480 --> 0:14:06.160 out there to help you compare the cost and really 0:14:06.160 --> 0:14:08.280 know that you're getting the best deal possible because they 0:14:08.280 --> 0:14:10.400 can vary widely. I mean, there's so many factors that 0:14:10.480 --> 0:14:14.120 go into policy differences. But Tiff you know what I 0:14:14.160 --> 0:14:16.160 love about doing this show with you is you have 0:14:16.240 --> 0:14:18.600 the same effect on me as when I see like 0:14:18.679 --> 0:14:22.239 the Kardashians on Instagram or my friends who are traveling 0:14:22.520 --> 0:14:26.160 and rocking the latest clothes and having fabulous lives. Like 0:14:26.600 --> 0:14:30.480 you make me jealous of your life insurance policy and 0:14:30.520 --> 0:14:32.120 I'm like, oh shit, I need to get my stuff 0:14:32.120 --> 0:14:35.080 together and get my life insurance together. I still don't 0:14:35.080 --> 0:14:38.760 have insurance. Really still don't have life insurance. No. It 0:14:39.160 --> 0:14:42.440 was one of my first to dos after I had 0:14:42.480 --> 0:14:46.360 the kiddo, the baby, and I waited until about February 0:14:46.400 --> 0:14:48.600 March when the flog had finally lifted, and I could, 0:14:48.880 --> 0:14:51.560 you know, look at look at different policies. And then 0:14:51.600 --> 0:14:54.040 COVID hit and it's been hard to book an appointment 0:14:54.120 --> 0:14:56.760 and then when I finally had one booked, it was 0:14:56.800 --> 0:14:59.000 canceled last minute, and I haven't had a chance to read. 0:14:59.000 --> 0:15:00.320 I just need to. I think I need to just 0:15:00.320 --> 0:15:01.680 start from scratch and start again. 0:15:02.120 --> 0:15:02.720 You can steal. 0:15:02.800 --> 0:15:06.000 So the good thing is so because of COVID, it 0:15:06.080 --> 0:15:09.480 actually is like a great time that to get a policy, 0:15:10.000 --> 0:15:12.200 so Angelie told me, she said, Angelie was like, this 0:15:12.240 --> 0:15:13.640 is a great time because a lot of people are like, 0:15:13.640 --> 0:15:16.160 I'm not coming out now. It all depends on the company. 0:15:16.240 --> 0:15:19.400 So for example, my business policy, they're like, we're coming out. 0:15:19.680 --> 0:15:22.680 But for the personal policy, the insurance company was like, no, 0:15:22.760 --> 0:15:24.600 we're not coming out. We'll just have a we'll have 0:15:24.680 --> 0:15:26.760 a call where you know, they ask all your business. 0:15:26.960 --> 0:15:29.520 So I was like, oo, who, so it actually, if 0:15:29.560 --> 0:15:33.720 you're interested in life insurance, you know, now might be 0:15:33.760 --> 0:15:36.920 a really great time because there's a lot there's a 0:15:36.960 --> 0:15:38.960 possibility that they don't actually come out. 0:15:38.800 --> 0:15:39.200 To see you. 0:15:39.400 --> 0:15:42.880 And yeah, so I definitely would look into it. 0:15:42.840 --> 0:15:46.600 Now, Okay, one hundred percent. Yeah, I think too. My 0:15:46.720 --> 0:15:49.600 hang up was about cost, and I don't know why 0:15:49.640 --> 0:15:51.040 I didn't just think of it the same way I 0:15:51.040 --> 0:15:53.480 thought about health insurance. When I was talking to my 0:15:53.480 --> 0:15:55.880 financial advisor a couple of years ago. She was trying 0:15:55.880 --> 0:15:59.720 to help me shop for policies, and she was like, yeah, 0:15:59.720 --> 0:16:02.080 it's to cost one hundred whatever per month for this 0:16:02.200 --> 0:16:06.680 or that, and I'm like, wait, I'm going to spend 0:16:06.680 --> 0:16:09.960 money monthly, but like, what if I don't die, that 0:16:10.160 --> 0:16:12.840 just wastes all that money that I spend. And she's like, yeah, Mandy, 0:16:13.000 --> 0:16:16.200 that is how life insurance works. Is how any insurance works. 0:16:16.720 --> 0:16:19.920 You pay so that you're prepared for the worst, but yeah, 0:16:19.960 --> 0:16:21.640 you hope that the worst doesn't happened, but yeah, you 0:16:21.680 --> 0:16:24.240 got to pay. My pet is insured. Like, why don't 0:16:24.240 --> 0:16:26.680 I have a life insurance policy? This is insane. I've 0:16:26.720 --> 0:16:27.280 got to do it. 0:16:27.400 --> 0:16:28.160 You know what it is. 0:16:29.040 --> 0:16:31.480 It starts with an M and it's called marketing. The 0:16:31.560 --> 0:16:35.280 life insurance company people have done an amazing job of 0:16:35.360 --> 0:16:39.440 tricking you into thinking that life insurance is an investment. 0:16:39.600 --> 0:16:43.200 It is not. It's insurance. It is a risk management tool. 0:16:43.480 --> 0:16:44.440 So you don't say to. 0:16:44.400 --> 0:16:47.640 Yourself, oh my god, my cat didn't die, what happens 0:16:47.680 --> 0:16:50.720 to my pet insurance? You rejoice that your fur baby 0:16:50.760 --> 0:16:51.320 is still here. 0:16:51.840 --> 0:16:53.760 Yeah, at this point, I value Molly's life more more 0:16:53.800 --> 0:16:54.880 than my own, I guess. 0:16:55.000 --> 0:16:59.560 Oh Molly, But no, I think that people need to 0:16:59.640 --> 0:17:01.920 understand that there's like, you know, there's term and then 0:17:01.960 --> 0:17:04.760 there's permanent. So typically when you hear permanent, you're thinking, like, 0:17:04.800 --> 0:17:08.520 whole life are universal? And so I asked, Angelie, is 0:17:08.720 --> 0:17:11.840 term is permanent or universal? You know? Ever a good 0:17:11.840 --> 0:17:14.439 idea that's the insurance policy where there's like cash value 0:17:14.640 --> 0:17:17.480 and people say you can bar against it and YadA YadA, YadA, 0:17:17.840 --> 0:17:19.600 and that's the one where it's like it's an investment. 0:17:19.600 --> 0:17:21.399 And I said, is that ever really a good idea? 0:17:21.520 --> 0:17:25.439 She said, honestly, for like ninety nine point nine percent 0:17:25.440 --> 0:17:28.520 of people, it's term. I mean, term is the best 0:17:28.560 --> 0:17:33.119 way to go. She's like, unless you're extremely, extremely extremely wealthy, 0:17:33.200 --> 0:17:36.439 then you have so much excess money that you have 0:17:36.480 --> 0:17:40.520 to stash it somewhere. That's where whole life and universal 0:17:40.560 --> 0:17:44.800 so permanent policies might make sense. But she was like, literally, 0:17:44.840 --> 0:17:47.000 for ninety nine point nine to nine percent of people, 0:17:47.560 --> 0:17:49.840 they just don't make sense. It's a loss of money 0:17:49.840 --> 0:17:53.320 over time. So I actually what I did was I said, well, 0:17:53.400 --> 0:17:56.119 let me see so I think I had. I went 0:17:56.200 --> 0:17:58.479 to policy Genius to check like prices and you can 0:17:58.520 --> 0:18:01.920 do this to see So I type in like thirty 0:18:02.000 --> 0:18:07.080 year old healthy woman for a million dollar policy for 0:18:07.080 --> 0:18:11.520 for term, and I did a thirty year policy thirty 0:18:11.600 --> 0:18:13.639 year term policy, so meaning like for thirty years you 0:18:13.640 --> 0:18:14.600 pay the same amount of money. 0:18:14.600 --> 0:18:16.959 It's locked in. And I want to say, it was 0:18:17.080 --> 0:18:18.800 like I don't even know. 0:18:18.800 --> 0:18:22.120 Maybe it was like uh forty bucks a month, Yes, 0:18:22.119 --> 0:18:23.400 it was forty three dollars a month. 0:18:23.440 --> 0:18:25.600 That's how much for a million dollar policy locked in 0:18:25.640 --> 0:18:26.440 for thirty years. 0:18:26.680 --> 0:18:29.520 Now, that same thirty year old, if they wanted to 0:18:29.520 --> 0:18:32.160 get a whole life policy for a million dollars, it 0:18:32.240 --> 0:18:35.479 was going to cost them seven hundred and sixty thousand 0:18:35.480 --> 0:18:38.000 dollars a month. Seven hundred and sixty. I met seven 0:18:38.080 --> 0:18:40.159 hundred and sixty dollar lot, that's where I met. But 0:18:40.240 --> 0:18:43.439 isn't that crazy the difference of like six ninety so 0:18:43.520 --> 0:18:48.040 almost seven hundred dollars difference, Like that's you know, that's crazy. 0:18:48.119 --> 0:18:50.919 And so instead you can get your term, get your 0:18:51.000 --> 0:18:53.639 term for thirty years, and then that excess money that 0:18:53.680 --> 0:18:55.359