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Speaker 1: Happy news, ye too. Oh no, no, happy new, ye too.

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Speaker 1: I forgot we're brown happy new. Oh chah, I forgot.

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Speaker 2: Call that a code Switts was quick.

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Speaker 1: Oh my gosh, we have amazing news. I'm gonna let

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Speaker 1: Mandy say it because.

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Speaker 2: You know, numbers aren't always important, but we had one

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Speaker 2: number in mind for twenty nineteen and that was one million.

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Speaker 2: Because we have been dying to hit a million downloads

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Speaker 2: in a year and this was our very first year,

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Speaker 2: and you guys we did it over a million downloads

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Speaker 2: in twenty nineteen and that is such a huge accomplishment.

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Speaker 2: Our show is a little show that could you guys know.

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Speaker 2: We've been doing it for four and a half years

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Speaker 2: now and it has been entirely word of mouth. Tiffy

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Speaker 2: and I are too busy to be doing any kind

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Speaker 2: of investment in marketing like marketing and pushing our show,

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Speaker 2: but you guys have been so supportive and we continue

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Speaker 2: building our listenership and it's just it's beautiful. I love it,

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Speaker 2: so thank you guys.

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Speaker 1: A million woo, that's a million MILLI a million million,

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Speaker 1: a million. Yeah, So honestly that that was awesome. When

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Speaker 1: you told me, Mandy, I was like what so, yeah,

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Speaker 1: thank you guys so much. You guys are awesome.

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Speaker 2: I was sweating it. It was like nine hundred ninety

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Speaker 2: seven thousand, six hundred and thirty four on like December

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Speaker 2: twenty first, So I was like, Tiffany, can you share

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Speaker 2: our show real quick? I'm afraid people will not be

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Speaker 2: downloading over the holidays. But you guys came through huge,

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Speaker 2: huge surge at the end of the year, so so excited.

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Speaker 2: So can we do two milli in twenty twenty?

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Speaker 1: I think so too, too? Yeah, I think so.

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Speaker 2: I could have said twenty milli. But let's just you know,

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Speaker 2: we talk about doable goals here, why not double it

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Speaker 2: in twenty twenty exactly?

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Speaker 1: Ah, so many things have tage. We have a baby baby.

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Speaker 2: Our first Oh, thank you we have we finally have

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Speaker 2: a brown ambition baby.

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Speaker 1: Yes, oh, how's a baby.

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Speaker 2: He is you know, a lot of work, that is

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Speaker 2: what he is. He's adorable. He's adorable, he's very cute,

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Speaker 2: he's very you know, ungrateful for all the work we do.

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Speaker 2: I feel, I'm telling you, like the face that he

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Speaker 2: gets at like two three, the crazy hours in the morning,

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Speaker 2: just staring at me and sticking that damn tongue out

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Speaker 2: like feed me, feed me woman. That will haunt me forever.

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Speaker 1: But I don't tell you they don't get any less ungrateful,

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Speaker 1: because just this morning a Superman and Supergirl were fussing.

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Speaker 1: She's thirteen now, Uh the ungratefulness never stops because apparently

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Speaker 1: we are we are here to accommodate her and all

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Speaker 1: the things.

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Speaker 2: Two weeks after Christmas, get out of here.

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Speaker 1: I mean when I tell you, he was like, did

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Speaker 1: you bush your teeth? She's like, I think that you're

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Speaker 1: bothering me a little bit too early in the morning.

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Speaker 1: He's at brush your teeth.

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Speaker 2: She sounds like my husband.

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Speaker 1: But uh so it doesn't. Yeah, it kise that will stop.

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Speaker 1: You know kids. I don't think kids get grateful until

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Speaker 1: they're like fully grown, so I can't.

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Speaker 2: Well, I am definitely grateful for my family, who've you know,

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Speaker 2: come and visited and it's been it's been a crazy

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Speaker 2: So it's been six weeks since we had the baby.

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Speaker 2: Thank you guys for all of your beautiful messages and

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Speaker 2: all the love. His name is Rio Francisco if you

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Speaker 2: haven't if you haven't heard, I really fought hard for that,

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Speaker 2: for that name, and I hope. I don't regret it,

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Speaker 2: but I still love it. I fought hard, listen, pushing

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Speaker 2: that child out of mynother. I swear to god, it

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Speaker 2: was the hardest thing I've ever done. And the last

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Speaker 2: six weeks have been the hardest weeks of my entire life.

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Speaker 2: But I am alive and we are surviving, and my

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Speaker 2: husband's been amazing. We've had so much support from our family,

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Speaker 2: and you know, I'm we're doing it. We're surviving, which

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Speaker 2: is if anyone out there has a newborn. I've got

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Speaker 2: some messages from people who have like four weeks old

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Speaker 2: and eight week old babies, and it's it's crazy. But uh,

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Speaker 2: I'm just I'm grateful that I'm alive and we're still

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Speaker 2: doing the show. And I got a three hour nap today,

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Speaker 2: so I.

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Speaker 1: Feel like a new woman.

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Speaker 2: A new woman. Yes, the things I can do with

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Speaker 2: three to four hours of sleep, I have now realized,

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Speaker 2: you know, I can. I can like pretty much save

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Speaker 2: the world, is how I feel right now. Yeah, Grandpa,

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Speaker 2: my dad's downstairs right now watching him, and things have

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Speaker 2: been Yeah, I've got six more weeks. This is what's

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Speaker 2: stressing me out. So Enrique went back to work today,

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Speaker 2: Husban's back at work, So tomorrow if my dad goes back,

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Speaker 2: I am on my own officially for the first time,

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Speaker 2: so low through the whole day with the baby. So

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Speaker 2: wish me luck. And I've got six to seven more

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Speaker 2: weeks of matt leaves and if you guys have any

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Speaker 2: I don't know. All I'm all I'm praying for is

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Speaker 2: that by the end of the next six weeks he

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Speaker 2: is like sleeping the night because I am stressed about well,

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Speaker 2: not stressed because I'm trying not to stress too much

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Speaker 2: and just enjoy, you know, these early days. But I

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Speaker 2: just think, like, what is it going to be like

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Speaker 2: these if I if I'm up every hour and a

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Speaker 2: half through the night and then have to go back

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Speaker 2: to work, Like what how does that? How does how

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Speaker 2: do y'all do that? New moms? Like how does that work?

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Speaker 1: Yeah? Please give Mandy some some some Yeah, I honestly

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Speaker 1: don't know.

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Speaker 2: Just tell me there's another side to this is how

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Speaker 2: I feel. But uh yeah, So that was my entire

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Speaker 2: holiday was just baby, baby, baby, So how baby have

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Speaker 2: you been? What's looking good for you in twenty twenty.

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Speaker 1: I've been good. Honestly, This was like probably one of

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Speaker 1: the most chill holidays I had. It was our first

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Speaker 1: Christmas in the new house, and yeah, it was really nice.

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Speaker 1: I mean I went crazy decorating. I don't know if

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Speaker 1: anybody saw my ig tours. Oh, I want to say what.

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Speaker 1: I had a roof, Well, this was like a loile

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Speaker 1: ago I had. I had a wreath on every single door.

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Speaker 1: And according to super Girl, quote unquote, I'm doing too much,

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Speaker 1: which is just enough if you ask me.

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Speaker 2: We got to my Midwestern heritage. That is just enough.

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Speaker 2: If not not enough, I.

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Speaker 1: Know, but honestly, I just it was really nice because

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Speaker 1: I didn't I didn't really do any work. It was

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Speaker 1: nice hanging out family friends. Thanksgiving. My sister Karen, she's

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Speaker 1: the oldest, and her baby Lily and her husband. They

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Speaker 1: came down so it was the first time in years

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Speaker 1: that all of us were together. So all the sisters,

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Speaker 1: all the nieces and nephews, my mom and my dad,

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Speaker 1: and then Superman's family we were all together for Thanksgiving,

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Speaker 1: so that was super awesome. Honestly, it's been great and

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Speaker 1: pretty chill, and we've been gearing up for my next

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Speaker 1: new venture, which is my children's book, Molly Moore. It's

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Speaker 1: finally literally done, done, done, and now we're just working

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Speaker 1: on the marketing campaign to roll it out, so y'all

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Speaker 1: should see Molly Moore in the early spring. But I

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Speaker 1: honestly I've been really thinking about it. I'm gonna do

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Speaker 1: a Kickstarter campaign for mollymore because one a few things

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Speaker 1: I want to do. Because one, after doing some more

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Speaker 1: research on like children and books, I realized that, like

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Speaker 1: the statistics for children from low income communities and books

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Speaker 1: is really bad. It's like sixty one percent do not

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Speaker 1: have access to books, and not having access to books

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Speaker 1: set you up for a very hard life. Because books

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Speaker 1: are not just about literacy, it's about comprehension. It's about

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Speaker 1: exploring your horizons. Books help with counting, books help with

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Speaker 1: stem and so if you don't have books, you know,

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Speaker 1: it just puts you in a really bad state. And

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Speaker 1: I just thought, I want to continuously be able to

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Speaker 1: use proceeds from the sale of Molly Moore, the first book,

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Speaker 1: in any book that comes after, to provide books to

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Speaker 1: communities with children from low income environments, because if you

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Speaker 1: can start a home library, that could totally transform the

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Speaker 1: trajectory of your life, even if your parents struggled, even

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Speaker 1: your parents are in bad read high school or college

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Speaker 1: or whatever, that having a home library can actually turn

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Speaker 1: some of those statistics around. So yeah, so I'm excited.

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Speaker 1: Plus two, I think, yeah, it's goodhead.

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Speaker 2: No, I just I love I'm just the idea. I

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Speaker 2: almost I keep thinking about that girl. She's from Jersey,

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Speaker 2: Marley Diaz, who started that thousand what was it, well

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Speaker 2: read Black Girls.

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Speaker 1: Or it's a thousand Black Girl books. Yeah, exactly. Janicis

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Speaker 1: as a friend of mine used to her Janie. Her

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Speaker 1: mom has a nonprofit that I when I first was

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Speaker 1: starting a bunch ofista, I used to volunteer for that

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Speaker 1: nonprofit all the time. So I'm like, yeah, I know them. Well,

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Speaker 1: they love two towns over.

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Speaker 2: Okay, Well, if you're need a social media influencer Marley's

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Speaker 2: I'm just saying I'm saying some synergies here, or she could, like,

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Speaker 2: you know, be the voice of Molly Moore the audiobook.

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Speaker 2: I don't know. This is I'm excited. I can't wait.

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Speaker 2: I'm gonn add it to Rido's library.

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Speaker 1: I just yeah, I'm I'm gonna send you. I'll send

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Speaker 1: you a nice I send you a nice box. So

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Speaker 1: I'm just honestly I'm excited because it's just a new

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Speaker 1: venture and I just feel really good about it. Plus two,

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Speaker 1: like high key, I'm really trying to make sure that

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Speaker 1: your kids have financial education in their life, even if

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Speaker 1: you don't know how, because that's the thing right most parents,

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Speaker 1: If you didn't learn money at home, then you're like, well,

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Speaker 1: how am I supposed to teach my kid? And so

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Speaker 1: with molly More books, there at the end there are

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Speaker 1: extending lessons and questions to really help to drive that

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Speaker 1: home because every book has what I call pre financial

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Speaker 1: education lessons, which is like counting math, learning about giving,

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Speaker 1: learning about service, learning about community. These are the foundation

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Speaker 1: for financial education. So it's age appropriate for three to

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Speaker 1: seven year olds. And so then I show you how

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Speaker 1: do you extend that lesson as a teacher, as a

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Speaker 1: parent or aunt or uncle, So it's like everyone gets

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Speaker 1: to learn. So yeah, it's just I feel like everything

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Speaker 1: that I've worked toward has built up to this, that

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Speaker 1: the budgetiesta was not the end goal. That truly it's

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Speaker 1: this because I really believe, you know, I'm a teacher

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Speaker 1: at heart, and so to be able to teach financial

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Speaker 1: education from like early stages on throughout with all that

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Speaker 1: I do with my life. I think it's just so.

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Speaker 1: I just think it's like my life's calling. I know that,

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Speaker 1: Like I'm doing what I'm supposed to do. And wait

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Speaker 1: till y'all see this. She is so beautiful. Wait to

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Speaker 1: see Molly Moore. So in a couple of weeks we'll

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Speaker 1: be dropping. I'll be dropping the book cover. So you

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Speaker 1: can get excited. Oh if you haven't already, she has

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Speaker 1: if you want a sneak peek. Actually, I have not

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Speaker 1: shared this anywhere, but I do have an Instagram page

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Speaker 1: for Molly Moore. It's m a l I like the

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Speaker 1: African country Underscore more m Ore, so at Molly may

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Speaker 1: a Lot Underscore more and you can take a sneak

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Speaker 1: peak of the cover. Please follow the page. I'll be

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Speaker 1: doing updates and stuff there. So I posted the cover.

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Speaker 1: I might delete it, so harry up because I was like,

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Speaker 1: I was just testing out if I was able to

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Speaker 1: post on the different Instagram page. So take a look

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Speaker 1: while you can.

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Speaker 2: Okay, well, at least give them until the show airs. Yeah,

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Speaker 2: and delete it tonight. That's some angry listeners so exciting.

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Speaker 2: So is that your twenty I was thinking about my

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Speaker 2: plans for twenty twenty, which is hard for me to

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Speaker 2: see anywhere past going back to work right now, but

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Speaker 2: mention like kids and finances. It's also like with parenting.

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Speaker 2: Of course I have a six week old, so all

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Speaker 2: he needs is poop and you know, food, that's all

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Speaker 2: he cares about. But it's also like when do you

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Speaker 2: introduce concepts of finance and what's appropriate for a child?

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Speaker 2: That's what I That's what I'm like wondering how early

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Speaker 2: is too early? Should I even worry about it until

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Speaker 2: you know they're you know what, like what age and

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Speaker 2: what age is appropriate and like how much you cover

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Speaker 2: and you know, because you don't want to, like I

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Speaker 2: don't want You know, I've talked about before, like there

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Speaker 2: was financial insecurity and financial anxiety in my household that

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Speaker 2: I don't think my parents intend intended to make it

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Speaker 2: that way, but you know, you just I absorbed all

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Speaker 2: that energy. And what I'm trying to change, like flip

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Speaker 2: the script, is to sort of create financial positivity because

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Speaker 2: I think my own fears and anxieties around finances really

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Speaker 2: held me back, especially when it came to to to

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Speaker 2: to trying things like investing and even just saving, like

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Speaker 2: I live from this this mindset of like money is

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Speaker 2: evil and money you know, if you have money then

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Speaker 2: you're greedy, uh, you know, and people who have money

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Speaker 2: are like you know, there's like a there's just so

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Speaker 2: much negativity around it. And I had to change my

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Speaker 2: own mindset, and I want to. I would just want

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Speaker 2: to have a household where it is. It is an

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Speaker 2: empowering thing and you know, we use it for good

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Speaker 2: and we use it to grow. And you know what

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Speaker 2: I'm trying to say, and.

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Speaker 1: No I do, and I'm not there at the road

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Speaker 1: meth this For that, I'll say, like you know, as

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Speaker 1: a former preschool teacher, I'll say that typically around the

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Speaker 1: age of three, sometimes as early as two, because like

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Speaker 1: my my niece Amelia is two and she's speaking and

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Speaker 1: so so. But what pre financial education looks like, I

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Speaker 1: would say two to four is not this is a dollar,

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Speaker 1: this is how you use it. That's not what that is.

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Speaker 1: It's Amelia. You don't want to share with Roman. Roman

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Speaker 1: is my my her brother and her her Uh he's four.

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Speaker 1: So pre financial education lessons are like they look more

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Speaker 1: like morality lessons like sharing and mine versus yours and

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Speaker 1: more and less. You know what I mean pre financial

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Speaker 1: education lessons are also it's also numbers and counting, so

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Speaker 1: you're likely going to be doing a lot of that anyway,

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Speaker 1: but an intention for that's important and people don't realize

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Speaker 1: that even when it comes to counting, like for example,

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Speaker 1: Molly Moore the book, it rhymes and it seems like, oh,

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Speaker 1: that's cute and rhymes, No, that it was intentional for

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Speaker 1: it to rhyme, because rhyming is a precursor to counting, right,

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Speaker 1: Because think about it, like if you can go or

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Speaker 1: even just keeping a beat right, so if you can

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Speaker 1: do like cat bat sat, that's like what I'm showing

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Speaker 1: you is that each of those individual things are like

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Speaker 1: one beat, one beat, so now you can say one, two,

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Speaker 1: three and then. So when I was teaching, that's one

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Speaker 1: of the reasons why the ABC song has like this

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Speaker 1: kind of like rhythm to it, because what we're really

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Speaker 1: teaching children is like this like spatial relation in their

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Speaker 1: mind A B C, then one, two three, then what

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Speaker 1: is one? Oh this is one apple? Oh, this is

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Speaker 1: what two apples look like. So everything kind of builds

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Speaker 1: on top of each other. But that's what it looks like.

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Speaker 1: It looks like by two like you know, singing songs.

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Speaker 1: It looks like, you know, by three, teaching them about

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Speaker 1: sharing and giving and not everything belongs to you. So

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Speaker 1: that's something Amelia is having a very hard time with

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Speaker 1: right now. Right and then by four it looks like

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Speaker 1: taking responsibility. So Roman is in preschool and so at

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Speaker 1: four he will have a school job. Most preschoolers have

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Speaker 1: like a school job, meaning that like there's usually like

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Speaker 1: a little board where it says his name, and then

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Speaker 1: Roman sets the table or he picks up the blocks

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Speaker 1: today whatever. So he's learning responsibility, like, this is what

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Speaker 1: I'm responsible for. So that's a pre financial education lesson.

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Speaker 1: And what I did is I took it further, and

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Speaker 1: this is what I plan to do when I have

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Speaker 1: my bambinos. I took it further in that not only

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Speaker 1: is that your quote unquote school job, but I'm gonna

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Speaker 1: pay you. At four or five you can start to

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Speaker 1: do that. I'm gonna give you monopoly money. And for

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Speaker 1: a job job done, you get a dollar. For a

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Speaker 1: job well done, you get two. And if you don't

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Speaker 1: do it, you don't get any money. And then by

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Speaker 1: four and five we can you can create. This is

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Speaker 1: what I used to do with my classroom. We would

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Speaker 1: create savings boxes with shoe boxes, and we would talk

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Speaker 1: about what does it mean to say? And what are

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Speaker 1: some of the things they like? Oh like candy, I

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Speaker 1: like this? Do you know how much those things cost?

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Speaker 1: And you know, like sometimes mommy and daddy they or

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Speaker 1: auntie and uncle, you see them with money. What does

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Speaker 1: that mean? So now you have a job at school,

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Speaker 1: I'm paying you this money and you're going to be

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Speaker 1: putting it every day into your savings box. And then

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Speaker 1: every Friday I would go to like the dollar store

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Speaker 1: and get like little Chotchki's, and then they would buy

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Speaker 1: the things that they wanted from with their savings box money.

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Speaker 1: Because I was teaching them this correlation between work, a

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Speaker 1: job well done savings spending. There would be the things

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Speaker 1: in the store that would be more than what they

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Speaker 1: could possibly make in a week, because if you got

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Speaker 1: paid two dollars a week maximum, that's ten dollars for

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Speaker 1: the week. So there would be things in the store

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Speaker 1: that were fifteen dollars. Then'll may be I'd to make

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Speaker 1: a Teddy beer fifteen dollars. They would have to learn that.

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Speaker 1: Some kids had to figure out, well, if I really

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Speaker 1: want this teddy bear, then that means I don't get

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Speaker 1: anything this week, And learning even that was like some kids,

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Speaker 1: no matter what, they spent all their money every single week,

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Speaker 1: and you got some kids that understood, if I want

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Speaker 1: this teddy bear, I'm gonna have to not spend anything

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Speaker 1: this week and then save it for next week. So

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Speaker 1: you see how it builds on top of each other.

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Speaker 1: But yeah, I think like when he's really really little,

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Speaker 1: it's just really singing and counting and rhythm and rhyme,

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Speaker 1: and then learning how to share and that everything does

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Speaker 1: not belong to you and lessen more and you'll.

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Speaker 2: Be matches with mommy and daddy, like over the kitchen

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Speaker 2: table about Bill's got it.

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Speaker 1: I grew up in the house sold. My dad did

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Speaker 1: a great job teaching us about money in a way

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Speaker 1: that I wasn't afraid. It was a recession that taught

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Speaker 1: me fear, not my parents, because my dad was very

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Speaker 1: matter of fact, so he didn't give money any extra energy.

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Speaker 1: It just was hey, by the way, you know this

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Speaker 1: this thing happened, and so I'm sharing with you what happened.

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Speaker 1: So your mom lost her job, Oh no, no, it'll

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Speaker 1: be fine. You know your mom is smart she's going

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Speaker 1: to find another one. But it means that, you know,

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Speaker 1: jobs pay money, and Christmas is coming and gifts cost money.

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Speaker 1: What does that mean. It just means that we're going

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Speaker 1: to have Christmas in January instead of December. Oh okay.

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Speaker 1: But there was never any inflection of this is some bad,

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Speaker 1: terrible thing. It just was And I think that was

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Speaker 1: probably the best thing he could do versus making money

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Speaker 1: a good or bad thing. It was just a neutral thing.

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Speaker 1: And he was just kind of like sharing the news,

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Speaker 1: and so that's how he approached money when he was

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Speaker 1: teaching us about it, like the light bill is too high,

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Speaker 1: that's the news. What can we do? And so because

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Speaker 1: of that, I grew up with a really healthy relationship

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Speaker 1: with money. Like I said, the recession totally took me

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Speaker 1: out because I you know, it just was such a

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Speaker 1: devastating time. But I was able to go back to

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Speaker 1: or close to my healthy relationship with money because I

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Speaker 1: had that foundation. So that's another thing too. I think

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Speaker 1: it's as parents not not giving many money emotional and

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Speaker 1: it's it's a thing, it's a tool, it's not it's

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Speaker 1: not the goal itself.

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Speaker 2: Yeah, And for me, my first and foremost goal is

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Speaker 2: to I don't know why I was. I was overthinking

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Speaker 2: a little bit how to start saving for Rio, and

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Speaker 2: I'm just all I've decided to do is just open

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Speaker 2: up a roth ira right now, like a custodial ira,

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Speaker 2: and just start putting money in each month, and like,

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Speaker 2: don't stress about what I'm investing, and just get some

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Speaker 2: mutual funds and just do it, because like something is

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Speaker 2: better than nothing. And I know we've gotten questions from

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Speaker 2: parents over the years we've been doing the show on

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Speaker 2: how the best way to save? When is it five

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Speaker 2: two nine versus roth iray. The only reason I decided

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Speaker 2: to go with the roth iray is just because it's

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Speaker 2: a lot more flexible and I don't necessarily have to

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Speaker 2: use the money on college expenses. So something were to

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Speaker 2: happen and we needed to tap into it earlier. It

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Speaker 2: just seemed like it seemed like the better option. And

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Speaker 2: also five to two nine seem a little like I

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Speaker 2: understand roth irays. I understand how to open went up

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Speaker 2: and how to choose investments, and maybe because five two

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Speaker 2: ninees I'm a little less familiar with it, just that

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Speaker 2: you know, the the idea of needing to research that

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Speaker 2: space and find the right account, and all that seems

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Speaker 2: like it takes more energy, and right now I'm just

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Speaker 2: like done is better than perfect, and a roth iray

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Speaker 2: makes sense and I can easily just open one up

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Speaker 2: alongside my Vanguard account, you know, and call it a day.

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Speaker 2: And then number two my goal is life insurance because

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Speaker 2: for those of you who have, like you know, I've

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Speaker 2: always had my life my insurance through my employer, but

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Speaker 2: you know, you can't really take that with you and

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Speaker 2: it gets harder to well. Life insurance gets more expensive

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Speaker 2: as you get older, so some people recommend getting your

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Speaker 2: own life insurance policy. Also, it's only a certain amount,

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Speaker 2: so it may not be enough for, you know, to

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Speaker 2: really sustain your family. It's something were to happen to you.

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Speaker 2: So I have started to shop around for life insurance,

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Speaker 2: and fortunately there are sites like Value, Penguin, Quote, Wizard,

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Speaker 2: Policy Genius that make it pretty simple to shop for

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Speaker 2: life insurance. I've honestly found. I used all three of

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Speaker 2: those to try and find a to start shopping for

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Speaker 2: a policy. They kind of gave me the exact same company.

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Speaker 2: So I don't know if it's probably based on where

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Speaker 2: you live, what's what's available to you, but it seems

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Speaker 2: pretty simple, and that is that's starting to that that

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Speaker 2: to me is one of the more important things. It's like,

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Speaker 2: if something were to happen to me, I want to

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Speaker 2: be sure that he is okay and that you know

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Speaker 2: there's no change to his because you know his luxurious lifestyle.

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Speaker 1: So I'm telling you, like, insurance is definitely like this critical.

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Speaker 1: Obviously they get the onesies and the toys and.

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Speaker 2: All that crap life insurance.

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Speaker 1: Yes, yeah, it's crazy. How like things that are important

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Speaker 1: to you like when you're older, like who cares about insurance?

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Speaker 1: And now you're like, ah, baby.

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Speaker 2: I care my baby. I just want him to be okay. Listen.

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Speaker 2: I got this book called Good Moms Have Scary Thoughts.

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Speaker 2: I highly recommend it to anybody out there if you

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Speaker 2: need a gift for your a new mom in your life.

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Speaker 2: It is amazing because honestly, the first thing you think

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Speaker 2: about is what if I die? What if Husban dies.

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Speaker 2: It's it's dark, but it's true and you want to

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Speaker 2: you just yeah, you have this real urge to like

430
00:21:09,720 --> 00:21:13,439
Speaker 2: protect and to set you know, your child up for

431
00:21:13,480 --> 00:21:15,080
Speaker 2: success if you weren't to be here, and then of

432
00:21:15,119 --> 00:21:16,560
Speaker 2: course you cry a little bit and then you know

433
00:21:16,560 --> 00:21:20,320
Speaker 2: it's all the emotions. But yeah, that's the goal. That's

434
00:21:20,320 --> 00:21:23,000
Speaker 2: my little baby goals for twenty twenty. In career wise,

435
00:21:23,080 --> 00:21:26,639
Speaker 2: I don't even freaking know. I just need stability for

436
00:21:26,720 --> 00:21:28,920
Speaker 2: the next you know, several months. Hopefully can get back

437
00:21:28,960 --> 00:21:33,040
Speaker 2: into a flow with work and I'll share with you know,

438
00:21:33,160 --> 00:21:36,560
Speaker 2: you guys on how that's going. Just I'm yeah, anyway,

439
00:21:36,640 --> 00:21:40,080
Speaker 2: let me just get the next six seven weeks being

440
00:21:40,119 --> 00:21:40,879
Speaker 2: home first.

441
00:21:41,240 --> 00:21:44,680
Speaker 1: Yeah, I would say, like my I haven't only set

442
00:21:44,680 --> 00:21:46,880
Speaker 1: any professional professional goal. I'm actually having a vision board

443
00:21:46,920 --> 00:21:50,119
Speaker 1: party next weekend. I have one like every year, you

444
00:21:50,280 --> 00:21:52,160
Speaker 1: just like my sister's and like one or two friends

445
00:21:52,560 --> 00:21:55,760
Speaker 1: should do a vision board. Yeah, I just because it's

446
00:21:56,080 --> 00:21:58,280
Speaker 1: less for that, like you know, like the mushi, like

447
00:21:58,400 --> 00:22:01,440
Speaker 1: you know, thinking for vision for the board itself, and

448
00:22:01,480 --> 00:22:03,480
Speaker 1: more so it forces me in the moment to really

449
00:22:03,560 --> 00:22:05,760
Speaker 1: kind of pull out what is it? How is it

450
00:22:05,760 --> 00:22:08,560
Speaker 1: do you see your life unfolding this this year? So

451
00:22:08,640 --> 00:22:11,520
Speaker 1: it really helps me to pull out of myself because

452
00:22:11,520 --> 00:22:13,520
Speaker 1: I'm like spending this moment this time to do so.

453
00:22:15,000 --> 00:22:17,960
Speaker 1: I would say personally, I feel like in the best

454
00:22:17,960 --> 00:22:20,480
Speaker 1: place I have in a long time. Personally like great family,

455
00:22:20,520 --> 00:22:24,000
Speaker 1: great friends, Like I'm for the first time in I

456
00:22:24,040 --> 00:22:27,320
Speaker 1: don't know, in my adult life, every single one of

457
00:22:27,359 --> 00:22:32,960
Speaker 1: my core relationships is in a good space, like parents, friends, family,

458
00:22:33,440 --> 00:22:35,600
Speaker 1: like you know, the people I interact with regularly. It's

459
00:22:35,680 --> 00:22:38,520
Speaker 1: it feels awesome. You know. You don't realize that that's

460
00:22:38,600 --> 00:22:41,240
Speaker 1: not true until you start like working on things. You're like, oh,

461
00:22:41,240 --> 00:22:43,000
Speaker 1: I could really be better with super Girl. You should

462
00:22:43,040 --> 00:22:45,439
Speaker 1: hang out more. Oh I could really like call my

463
00:22:45,480 --> 00:22:48,359
Speaker 1: mom more, you know. But I'm in a good space

464
00:22:48,400 --> 00:22:50,600
Speaker 1: with everything, and I'm like, oh my god, I didn't Wow,

465
00:22:50,640 --> 00:22:53,760
Speaker 1: this feels awesome. There is no internal dread when it

466
00:22:53,800 --> 00:22:56,200
Speaker 1: comes to any of my core relationships, which is which

467
00:22:56,240 --> 00:23:01,480
Speaker 1: is great? And then professionally, I really think that Molly Moore,

468
00:23:01,800 --> 00:23:03,399
Speaker 1: because the book is going to be about twenty two

469
00:23:03,440 --> 00:23:05,080
Speaker 1: bucks a book, I think give or take, because you know,

470
00:23:05,080 --> 00:23:06,840
Speaker 1: we're going to be doing some of that money. We'll

471
00:23:06,840 --> 00:23:10,040
Speaker 1: be going toward donating books. But I really think I

472
00:23:10,080 --> 00:23:12,080
Speaker 1: did the math, like what would it take for Molly

473
00:23:12,080 --> 00:23:14,520
Speaker 1: Moore to make seven figures in its first year and

474
00:23:14,560 --> 00:23:17,640
Speaker 1: it's about forty six thousand books. I think I did

475
00:23:17,640 --> 00:23:20,879
Speaker 1: the math, which I think we could do you know, Like,

476
00:23:20,960 --> 00:23:22,800
Speaker 1: I'm like, I've got a pretty good sized audience forty

477
00:23:22,840 --> 00:23:23,960
Speaker 1: six times twenty two.

478
00:23:24,240 --> 00:23:26,480
Speaker 2: Yeah, I think that we have like half a million

479
00:23:26,560 --> 00:23:27,760
Speaker 2: dream Catchers get out of here.

480
00:23:28,320 --> 00:23:30,600
Speaker 1: H well, you know that everybody everybody doesn't you know,

481
00:23:30,640 --> 00:23:33,800
Speaker 1: buy so, But I think that that would be crazy

482
00:23:33,880 --> 00:23:35,520
Speaker 1: to be like, you know, I'm like, wow, I can

483
00:23:35,640 --> 00:23:37,920
Speaker 1: make Molly Moore get to seven figures in its first year.

484
00:23:38,200 --> 00:23:40,000
Speaker 1: But I think the biggest thing that I really want

485
00:23:40,000 --> 00:23:42,600
Speaker 1: to accomplish professionally by the end of the year is

486
00:23:43,440 --> 00:23:46,159
Speaker 1: and now it's more than feasible it's going to happen.

487
00:23:46,240 --> 00:23:50,520
Speaker 1: Is that I've been saying for since December twenty eighteen,

488
00:23:50,720 --> 00:23:53,000
Speaker 1: My team and I set forth what we call our

489
00:23:53,040 --> 00:23:57,679
Speaker 1: big Audacious goals, and the one of them was to

490
00:23:57,720 --> 00:24:02,080
Speaker 1: get the the the team on average to six figures

491
00:24:02,119 --> 00:24:05,920
Speaker 1: a year, meaning that some of the team members that

492
00:24:06,320 --> 00:24:08,800
Speaker 1: like our lead team member might make or lead team

493
00:24:08,800 --> 00:24:12,680
Speaker 1: members might make two fifty and then maybe customer support

494
00:24:12,840 --> 00:24:15,560
Speaker 1: just coming in entry level team member might make twenty

495
00:24:15,600 --> 00:24:17,840
Speaker 1: five dollars an hour, which is about equivalents about twenty

496
00:24:17,880 --> 00:24:21,320
Speaker 1: five thousand dollars a year. So how do we get

497
00:24:21,480 --> 00:24:23,760
Speaker 1: that range? You know, like, what does that look like,

498
00:24:23,800 --> 00:24:25,720
Speaker 1: and how much does the companies? How much do the

499
00:24:25,720 --> 00:24:27,800
Speaker 1: companies have to make? And I was talking to my

500
00:24:27,880 --> 00:24:31,160
Speaker 1: CFO today, our new CFO. Shout out to Shanta, She's amazing,

501
00:24:31,280 --> 00:24:34,440
Speaker 1: and wasn't this going to be your boost? No, I'm

502
00:24:34,440 --> 00:24:35,320
Speaker 1: gonna do a different boost.

503
00:24:35,560 --> 00:24:38,399
Speaker 2: Okay, yeah, sorry interrupt, go ahead. I just wanted to

504
00:24:38,440 --> 00:24:40,320
Speaker 2: stop you in case because I'm like, we need to

505
00:24:40,320 --> 00:24:42,280
Speaker 2: do a whole segment. It needs to be a thing, Okay.

506
00:24:42,200 --> 00:24:46,200
Speaker 1: Yeah, And so I'm excited that, like cause I thought before,

507
00:24:46,320 --> 00:24:48,800
Speaker 1: like I would have to make like twenty million dollars

508
00:24:48,840 --> 00:24:51,119
Speaker 1: a year, which I think we'll get there, but I

509
00:24:51,119 --> 00:24:53,359
Speaker 1: don't know that by the end of this year. And

510
00:24:53,480 --> 00:24:55,200
Speaker 1: she was like, no, She's like, I've done the math,

511
00:24:55,280 --> 00:25:00,199
Speaker 1: and quite honestly, basically everyone would have to well just

512
00:25:00,200 --> 00:25:03,200
Speaker 1: give the number. So for I have three core companies,

513
00:25:03,240 --> 00:25:06,280
Speaker 1: it's the literature Academy which makes the most. The literature

514
00:25:06,280 --> 00:25:08,840
Speaker 1: Academy would have to make I think she said six

515
00:25:08,880 --> 00:25:13,080
Speaker 1: and a half million dollars. And so last year twenty nineteen,

516
00:25:13,119 --> 00:25:17,680
Speaker 1: we made like three point five so basically double, which

517
00:25:17,680 --> 00:25:21,080
Speaker 1: we've been doubling, so that's not crazy. I was like, Okay, great,

518
00:25:21,280 --> 00:25:24,679
Speaker 1: the Budgetista would have to make one point five million.

519
00:25:25,320 --> 00:25:28,160
Speaker 1: So the Budgeanesta I called the more poor neglected baby

520
00:25:28,160 --> 00:25:30,800
Speaker 1: in that the Budgetista is like Tiffany hitting your road.

521
00:25:30,800 --> 00:25:33,040
Speaker 1: It's like speaking, and so I don't do that as much.

522
00:25:33,040 --> 00:25:35,080
Speaker 1: So I think the Budgetiessa maybe pulled in I want

523
00:25:35,080 --> 00:25:38,320
Speaker 1: to say, seven hundred thousand last year of like speaking

524
00:25:38,400 --> 00:25:40,720
Speaker 1: in books and things like that. So us making one

525
00:25:40,720 --> 00:25:43,680
Speaker 1: point five is more than feasible, especially since molly Moore

526
00:25:43,760 --> 00:25:47,040
Speaker 1: is under the Budgetisa. So if molly Moore Justify itself

527
00:25:47,080 --> 00:25:50,320
Speaker 1: brings in seven figures and the Budgetista brings in half

528
00:25:50,320 --> 00:25:52,480
Speaker 1: a million, which would be less than we made in

529
00:25:52,480 --> 00:25:55,720
Speaker 1: twenty nineteen, will be more than on track. And then

530
00:25:55,800 --> 00:25:59,399
Speaker 1: my marketing company, which was super neglected, then marketing company

531
00:25:59,480 --> 00:26:02,159
Speaker 1: is just our turn on marketing company. Companies come to

532
00:26:02,240 --> 00:26:04,520
Speaker 1: us and say, hey, we see you love our thing,

533
00:26:04,760 --> 00:26:07,240
Speaker 1: share our thing, and we'll we'll pay you per person

534
00:26:07,280 --> 00:26:10,680
Speaker 1: that signs up. And so with that, that company was

535
00:26:10,680 --> 00:26:13,640
Speaker 1: actually in the negative because although we made I want

536
00:26:13,640 --> 00:26:15,320
Speaker 1: to say, maybe two hundred and fifty thousand or something

537
00:26:15,359 --> 00:26:19,680
Speaker 1: to that effect, but we spent more because of marketing itself,

538
00:26:19,800 --> 00:26:22,879
Speaker 1: like paying four ads and things, and then staff so

539
00:26:22,960 --> 00:26:24,440
Speaker 1: that company, I just said, if we can get to

540
00:26:24,480 --> 00:26:26,560
Speaker 1: a positive maybe like fifty or sixty thousand, I'll be

541
00:26:26,560 --> 00:26:28,760
Speaker 1: happy with that company because that company drives a lot

542
00:26:28,760 --> 00:26:31,080
Speaker 1: of the other things that we do, so on its own,

543
00:26:31,119 --> 00:26:33,399
Speaker 1: we don't look for it to be a big money maker.

544
00:26:33,760 --> 00:26:36,920
Speaker 1: But making six point five in one company and one

545
00:26:36,920 --> 00:26:39,640
Speaker 1: point five in another, that's more than feasible because it's,

546
00:26:39,680 --> 00:26:41,560
Speaker 1: like I said, we've already been doubling our income. So

547
00:26:41,640 --> 00:26:43,840
Speaker 1: if we're right in alignment and the goal when we

548
00:26:43,880 --> 00:26:48,040
Speaker 1: made the big audacious goals in twenty eighteen, the goal

549
00:26:48,560 --> 00:26:50,800
Speaker 1: was always by the end of twenty twenty to get

550
00:26:50,880 --> 00:26:55,080
Speaker 1: to that big goal of six figures per person, like

551
00:26:55,240 --> 00:26:57,760
Speaker 1: on average, depending on what role you have. So the

552
00:26:57,800 --> 00:27:00,480
Speaker 1: fact that we're like within range, I'm like yeah, because

553
00:27:01,200 --> 00:27:02,760
Speaker 1: I mean, I know the people who work for our team.

554
00:27:02,800 --> 00:27:04,960
Speaker 1: They don't work on our team for the money because

555
00:27:04,960 --> 00:27:07,560
Speaker 1: we don't. I don't pay what I call a competitive

556
00:27:07,640 --> 00:27:10,719
Speaker 1: salary yet because just because your company makes a lot

557
00:27:10,760 --> 00:27:14,040
Speaker 1: of money, there are a lot of expenses. And now

558
00:27:14,119 --> 00:27:17,119
Speaker 1: with this we can pay a competitive salary like what

559
00:27:17,200 --> 00:27:20,040
Speaker 1: you would make, maybe even more than what you would

560
00:27:20,080 --> 00:27:22,120
Speaker 1: make at like if you were to be working at

561
00:27:22,160 --> 00:27:24,399
Speaker 1: a similar company, and so I can't wait by the

562
00:27:24,480 --> 00:27:25,639
Speaker 1: end of the year to be able to get my

563
00:27:25,720 --> 00:27:29,360
Speaker 1: team to that because they are amazing. They deserve and

564
00:27:29,680 --> 00:27:32,640
Speaker 1: I want them, you know, like I know they're here

565
00:27:32,640 --> 00:27:34,600
Speaker 1: for the love, but I want them to know that,

566
00:27:34,960 --> 00:27:37,320
Speaker 1: you know, like if you go someplace else, you would

567
00:27:37,320 --> 00:27:38,760
Speaker 1: still be making the same kind of money and they

568
00:27:38,760 --> 00:27:41,000
Speaker 1: won't even love you as much as I do. So

569
00:27:41,080 --> 00:27:43,200
Speaker 1: I'm excited about that. Like that's my big, big, big

570
00:27:43,240 --> 00:27:47,359
Speaker 1: push for twenty twenty. Business is woof child. It's just

571
00:27:47,359 --> 00:27:49,240
Speaker 1: just when you're just like you think you figured it out,

572
00:27:49,280 --> 00:27:52,480
Speaker 1: You're like what now. Some months you're just like what

573
00:27:52,800 --> 00:27:55,040
Speaker 1: we did what? Other months you're like, oh my god,

574
00:27:55,720 --> 00:27:58,200
Speaker 1: Like we have a loss a lot. I didn't know.

575
00:27:58,240 --> 00:28:00,359
Speaker 1: I was like what the marketing company didn't make no money?

576
00:28:00,480 --> 00:28:02,199
Speaker 1: Yes we did. They're like, you spent more than you mean.

577
00:28:02,280 --> 00:28:06,040
Speaker 2: I'm like, ah, so Well, for those of you who

578
00:28:06,359 --> 00:28:08,080
Speaker 2: listened to one of our I think one of our

579
00:28:08,080 --> 00:28:10,040
Speaker 2: best shows of the year was one of our last shows.

580
00:28:10,040 --> 00:28:12,399
Speaker 2: That was actually our last real new show of the

581
00:28:12,440 --> 00:28:15,360
Speaker 2: year was you know, we talked with Tiffany in November

582
00:28:15,359 --> 00:28:17,520
Speaker 2: and if you guys want to go back, it's episode

583
00:28:17,560 --> 00:28:20,679
Speaker 2: one ninety eight. Check it out. I interviewed Tiffany about

584
00:28:20,720 --> 00:28:23,600
Speaker 2: basically how did she start the budget needs to the real,

585
00:28:24,000 --> 00:28:26,320
Speaker 2: the real, real story, and when did she start making

586
00:28:26,320 --> 00:28:28,320
Speaker 2: money and how did she start making money? And I

587
00:28:28,359 --> 00:28:30,560
Speaker 2: mean those early days when you were making fifty bucks

588
00:28:30,600 --> 00:28:35,199
Speaker 2: a pop for at home financial budgeting sessions and so

589
00:28:35,560 --> 00:28:37,840
Speaker 2: you know, now you're like employing how many staff? Like

590
00:28:37,880 --> 00:28:40,000
Speaker 2: your business is? How has grown so much? I mean

591
00:28:40,000 --> 00:28:42,600
Speaker 2: it's it was long.

592
00:28:43,120 --> 00:28:45,040
Speaker 1: It has been. It's been ten years of a long journey.

593
00:28:45,080 --> 00:28:47,240
Speaker 1: Don't let these people fool you. That. Don't get me wrong.

594
00:28:47,280 --> 00:28:49,640
Speaker 1: There are definitely people who are like, boom, you're one

595
00:28:49,680 --> 00:28:53,080
Speaker 1: year two, they're making a million or or whatever. But

596
00:28:53,120 --> 00:28:55,600
Speaker 1: that's just not the average story, you know, And it's okay.

597
00:28:55,640 --> 00:28:57,160
Speaker 1: It doesn't have to be the average story. It's like

598
00:28:57,200 --> 00:29:00,240
Speaker 1: someone losing twenty pounds in two weeks. Some people that,

599
00:29:00,280 --> 00:29:02,400
Speaker 1: but most people are literally losing a half a pound

600
00:29:02,440 --> 00:29:05,320
Speaker 1: to a pound a week, which is normal. And so

601
00:29:05,440 --> 00:29:08,240
Speaker 1: I just want to normalize the process that it's good.

602
00:29:08,320 --> 00:29:11,000
Speaker 1: It's hard, but it's possible, but it's typically not going

603
00:29:11,080 --> 00:29:13,480
Speaker 1: to take you. Like, for example, this is what somebody

604
00:29:13,520 --> 00:29:16,240
Speaker 1: will say, Molly Moore is likely to make a million

605
00:29:16,240 --> 00:29:19,080
Speaker 1: dollars its first year out. So the deceptive me will say,

606
00:29:19,880 --> 00:29:21,760
Speaker 1: I wouldn't do this, But this is what somebody would say,

607
00:29:21,840 --> 00:29:24,520
Speaker 1: Oh my god, my business made a million dollars its

608
00:29:24,560 --> 00:29:27,080
Speaker 1: first year. But you and I both know that Molly

609
00:29:27,160 --> 00:29:29,520
Speaker 1: Moore is only going to make that million dollars first

610
00:29:29,600 --> 00:29:32,760
Speaker 1: year because a ton of years of the budgetese. And

611
00:29:32,840 --> 00:29:36,120
Speaker 1: so it looks like, oh, this new venture on its

612
00:29:36,160 --> 00:29:38,800
Speaker 1: own is making this money, but that's not really true.

613
00:29:38,920 --> 00:29:41,440
Speaker 1: It's all of these years of work that led to

614
00:29:41,480 --> 00:29:43,760
Speaker 1: the ability of this company to make this amount of

615
00:29:43,800 --> 00:29:46,280
Speaker 1: money in its first year. And so that's what you're

616
00:29:46,280 --> 00:29:48,360
Speaker 1: not seeing oftentimes in some of these people who are

617
00:29:48,840 --> 00:29:51,400
Speaker 1: sharing that something that they created is making a ton

618
00:29:51,440 --> 00:29:54,240
Speaker 1: of money right away. But yeah, because they've also they've

619
00:29:54,240 --> 00:29:58,240
Speaker 1: had previous businesses or previous work that'll set them up

620
00:29:58,280 --> 00:30:00,960
Speaker 1: for that success. So and year starts now if you

621
00:30:01,000 --> 00:30:02,840
Speaker 1: haven't started already, So get to it.

622
00:30:03,360 --> 00:30:05,520
Speaker 2: Yeah, And I mean it's the tip of the iceberg situation, right,

623
00:30:06,040 --> 00:30:08,600
Speaker 2: m hmm, amazing. Oh, twenty twenty is gonna be the year.

624
00:30:09,080 --> 00:30:11,040
Speaker 2: All right, guys, be back in just a minute. We'll

625
00:30:11,080 --> 00:30:14,960
Speaker 2: take your first questions of twenty twenty. Be right back.

626
00:30:47,400 --> 00:30:50,560
Speaker 1: So it's question time. I don't have my normal usk

627
00:30:50,600 --> 00:30:52,520
Speaker 1: your question, so I'm gonna find a new song that

628
00:30:52,600 --> 00:30:54,240
Speaker 1: has more questions in it so I can annoy you

629
00:30:54,240 --> 00:30:57,720
Speaker 1: guys with that song instead. So for now, if question time.

630
00:30:58,200 --> 00:31:00,280
Speaker 2: I love it, well, I hit up. I went old school.

631
00:31:00,320 --> 00:31:03,120
Speaker 2: You guys, check my email inbox because we had a

632
00:31:03,160 --> 00:31:05,840
Speaker 2: ton of questions coming over the holiday. You guys were

633
00:31:05,880 --> 00:31:09,400
Speaker 2: busy thinking about your finances in twenty twenty, so let's see.

634
00:31:09,480 --> 00:31:11,760
Speaker 2: Let's remind folks, how do you send us a question?

635
00:31:12,240 --> 00:31:15,920
Speaker 2: Hit us up Brandambisson Podcast at gmail dot com, or

636
00:31:15,960 --> 00:31:18,760
Speaker 2: you can go to Instagram and find us at Brand

637
00:31:18,760 --> 00:31:22,240
Speaker 2: Ambition Podcast. On the gram, send us a DM there.

638
00:31:23,200 --> 00:31:26,080
Speaker 2: Be sure to keep your questions succinct. In the Gram.

639
00:31:26,120 --> 00:31:27,960
Speaker 2: It is very hard to scroll and scroll and scroll

640
00:31:28,000 --> 00:31:30,640
Speaker 2: and read and read and read. But I love that

641
00:31:30,680 --> 00:31:32,959
Speaker 2: you guys are sending us more questions there. Also, our

642
00:31:33,000 --> 00:31:35,160
Speaker 2: website is still around. You can go to Brandambisson podcast

643
00:31:35,240 --> 00:31:38,920
Speaker 2: dot com and click ask us anything all right. Our

644
00:31:38,960 --> 00:31:42,320
Speaker 2: first question of twenty twenty, No Pressure, comes from listener Anna,

645
00:31:42,520 --> 00:31:46,080
Speaker 2: who has a question about investing. Here's what she says

646
00:31:46,320 --> 00:31:50,560
Speaker 2: so far. Anna has thirty three thousand dollars in online savings,

647
00:31:50,920 --> 00:31:53,240
Speaker 2: ten thousand dollars she's saving for a car in the future,

648
00:31:53,360 --> 00:31:57,080
Speaker 2: fourteen thousand sheets earmarked for emergencies, eight and a half

649
00:31:57,120 --> 00:32:01,120
Speaker 2: for repairs, vacation and investing, and also one hundred and

650
00:32:01,120 --> 00:32:02,680
Speaker 2: thirty five Is she trying to make us jealous? One

651
00:32:02,760 --> 00:32:04,800
Speaker 2: hundred and thirty five thousand dollars in a four to

652
00:32:04,920 --> 00:32:08,160
Speaker 2: one K from my previous employer. Oh, and an additional

653
00:32:08,200 --> 00:32:10,200
Speaker 2: three K in eleves. So I'm sorry, Where are the

654
00:32:10,240 --> 00:32:14,520
Speaker 2: problems here, Missianna? She says? Obviously I'm a super saver,

655
00:32:14,720 --> 00:32:17,880
Speaker 2: but I need to invest. My question is do you

656
00:32:18,160 --> 00:32:20,760
Speaker 2: think Do you too think I'm covered with savings and

657
00:32:20,800 --> 00:32:23,719
Speaker 2: can start investing with money I will earn, or do

658
00:32:23,760 --> 00:32:25,680
Speaker 2: you think I should invest with some of the money

659
00:32:25,680 --> 00:32:28,680
Speaker 2: I've already saved. If the latter, where should I take

660
00:32:28,680 --> 00:32:31,800
Speaker 2: the money from? Please note I'm thirty nine years old

661
00:32:31,840 --> 00:32:34,640
Speaker 2: and married with a dual income of about eighty thousand

662
00:32:34,720 --> 00:32:38,560
Speaker 2: dollars annually. That's really impressive with that with a dual

663
00:32:38,600 --> 00:32:41,280
Speaker 2: income of eighty K. She's thirty nine years old and

664
00:32:41,320 --> 00:32:43,120
Speaker 2: has let me do the math real quick, thirty K

665
00:32:43,520 --> 00:32:46,680
Speaker 2: and online savings ten K, three three k. Oh that

666
00:32:46,720 --> 00:32:50,520
Speaker 2: includes ten K and then fourteen about one hundred and

667
00:32:50,560 --> 00:32:54,120
Speaker 2: seventy thousand dollars she's managed to save. That is fantastic.

668
00:32:54,240 --> 00:32:57,200
Speaker 2: So thirty three thousand dollars of that she's gotten like

669
00:32:57,240 --> 00:33:00,960
Speaker 2: a regular bank account online make account in savings. Let's

670
00:33:01,000 --> 00:33:03,280
Speaker 2: just assume it's online. So she's earning like one percent

671
00:33:03,360 --> 00:33:05,600
Speaker 2: to be safe. And then she's got one hundred and

672
00:33:05,640 --> 00:33:07,440
Speaker 2: thirty five K and a four to one K for

673
00:33:07,600 --> 00:33:11,040
Speaker 2: my previous employer. So she wants to know basically, should

674
00:33:11,040 --> 00:33:14,040
Speaker 2: she start tapping into that thirty three K and investing

675
00:33:14,080 --> 00:33:16,000
Speaker 2: with that or should she just start investing with her

676
00:33:16,040 --> 00:33:19,280
Speaker 2: future earnings? And on top of that she does she's

677
00:33:19,360 --> 00:33:21,360
Speaker 2: dabbled a little bit. It sounds like she's got three

678
00:33:21,360 --> 00:33:24,600
Speaker 2: thousand dollars in ell OFST, which we've talked about l

679
00:33:24,640 --> 00:33:27,280
Speaker 2: of s before. It's it's one of these new kind

680
00:33:27,320 --> 00:33:31,760
Speaker 2: of robo advisor funds, but it targets women specifically.

681
00:33:32,080 --> 00:33:34,560
Speaker 1: Yeah, so it's I think I want to be clear

682
00:33:34,840 --> 00:33:35,760
Speaker 1: what was her name? Anna?

683
00:33:36,040 --> 00:33:36,760
Speaker 2: Anna? Yep?

684
00:33:37,000 --> 00:33:39,120
Speaker 1: So I wouldn't be clear Anna, Like you know your

685
00:33:39,120 --> 00:33:41,080
Speaker 1: money in elves and your money in your phone one K.

686
00:33:41,240 --> 00:33:44,959
Speaker 1: Sometimes people don't think about retirement as invested like invested funds.

687
00:33:45,000 --> 00:33:47,800
Speaker 1: Those are invested funds, so you know that. Just to

688
00:33:47,800 --> 00:33:50,000
Speaker 1: be clear, the only funds that are not invested from

689
00:33:50,000 --> 00:33:53,840
Speaker 1: what I could hear is the savings the thirty three thousand, yep, exactly,

690
00:33:54,200 --> 00:33:58,760
Speaker 1: you know. So I would challenge you to look holistically

691
00:33:58,880 --> 00:34:02,280
Speaker 1: at your finances because it sounds like to me that

692
00:34:02,400 --> 00:34:05,200
Speaker 1: you are already saving for retirement. If you're putting away

693
00:34:05,240 --> 00:34:09,480
Speaker 1: your prerequisite of like ten to fifteen percent towards retirement,

694
00:34:09,800 --> 00:34:12,000
Speaker 1: you don't necessarily have to boost that up, but it

695
00:34:12,000 --> 00:34:14,960
Speaker 1: sounds like you're kind of doing that already. I would

696
00:34:15,160 --> 00:34:18,959
Speaker 1: look to see am I insured enough to Mandy's point,

697
00:34:19,000 --> 00:34:21,759
Speaker 1: like earlier, I don't know if you have children, but

698
00:34:21,760 --> 00:34:23,160
Speaker 1: that was one of the things when I sat down

699
00:34:23,160 --> 00:34:27,520
Speaker 1: with my financial planner. She I was severely under insured

700
00:34:27,600 --> 00:34:29,799
Speaker 1: because I set my insurance when I was in my

701
00:34:29,880 --> 00:34:33,479
Speaker 1: twenties and I never kind of did anything else. She's like, girl,

702
00:34:33,480 --> 00:34:35,640
Speaker 1: you are not twenty two anymore. You need more insurance.

703
00:34:35,760 --> 00:34:39,080
Speaker 1: So one make sure that you have enough insurance. So

704
00:34:39,480 --> 00:34:43,320
Speaker 1: like homeowners insurance, if you have a home renter's insurance,

705
00:34:43,320 --> 00:34:46,080
Speaker 1: if you don't, do you have enough of insurance for

706
00:34:46,200 --> 00:34:50,480
Speaker 1: life insurance, so something happened to yourself or your spouse,

707
00:34:50,800 --> 00:34:53,320
Speaker 1: So really looking at your insurance, am I fully insured?

708
00:34:53,520 --> 00:34:57,640
Speaker 1: And then if you are not setting aside ten and

709
00:34:57,640 --> 00:34:59,520
Speaker 1: not honestly because you're a woman, I would say upwards

710
00:34:59,520 --> 00:35:02,640
Speaker 1: to fifteen percent away for retirement. You can start doing

711
00:35:02,640 --> 00:35:04,719
Speaker 1: that with some of that thirty three percent, because I

712
00:35:04,760 --> 00:35:06,520
Speaker 1: don't think I'm not sure what you do for a living.

713
00:35:06,920 --> 00:35:09,120
Speaker 1: You don't need more typically than more than three to

714
00:35:09,200 --> 00:35:13,680
Speaker 1: six months worth of expenses saved liquid like that as cash,

715
00:35:14,360 --> 00:35:18,319
Speaker 1: because you're really losing money when you're not investing money.

716
00:35:18,400 --> 00:35:20,680
Speaker 1: I think that's I wish people understood that more. I did.

717
00:35:20,760 --> 00:35:23,960
Speaker 1: Net First, that money in a savings account is literally

718
00:35:24,120 --> 00:35:29,080
Speaker 1: losing because if for every dollar they're giving you one cent,

719
00:35:29,840 --> 00:35:34,359
Speaker 1: but because of something called inflation, which means the devaluing

720
00:35:34,400 --> 00:35:36,520
Speaker 1: of money, that money can't do as much as it

721
00:35:36,640 --> 00:35:40,879
Speaker 1: used to. Every year, inflation is about three percent, so

722
00:35:41,120 --> 00:35:45,359
Speaker 1: for every dollar gaining one but losing three, so that

723
00:35:45,719 --> 00:35:48,040
Speaker 1: leads you at a two penny loss for every dollar

724
00:35:48,120 --> 00:35:49,880
Speaker 1: for that money you have saved. So that means that

725
00:35:49,960 --> 00:35:52,839
Speaker 1: yet thirty three thousand dollars, it's worth less and less

726
00:35:52,880 --> 00:35:54,920
Speaker 1: over time. So I don't want you to keep so

727
00:35:55,000 --> 00:35:56,640
Speaker 1: much money liquid, like I had to wag too much

728
00:35:56,640 --> 00:35:58,719
Speaker 1: money liquid and so.

729
00:35:59,160 --> 00:36:02,000
Speaker 2: Yeah, and just so of that thirty three K, she's

730
00:36:02,040 --> 00:36:04,279
Speaker 2: earmarking ten K for it to buy a car, So

731
00:36:04,480 --> 00:36:08,279
Speaker 2: buy a car cash. Fourteen K she's earmarked for those emergencies.

732
00:36:08,320 --> 00:36:10,040
Speaker 2: And she's got eight and a half thousand that she's

733
00:36:10,080 --> 00:36:13,000
Speaker 2: thinking of using for investing. But also it's kind of

734
00:36:13,000 --> 00:36:16,319
Speaker 2: her vacation fund. So with that eight and a half k,

735
00:36:16,440 --> 00:36:19,719
Speaker 2: I mean she's got it sounds like so yeah, it

736
00:36:19,760 --> 00:36:22,880
Speaker 2: sounds like she knows, Okay, I have too much in

737
00:36:22,920 --> 00:36:25,080
Speaker 2: my savings account. It's time to kind of break this up.

738
00:36:25,520 --> 00:36:26,640
Speaker 2: I don't know would you use it?

739
00:36:27,120 --> 00:36:28,399
Speaker 1: Would you take money? Yeah?

740
00:36:28,400 --> 00:36:30,160
Speaker 2: Would you take money out of that savings or would

741
00:36:30,160 --> 00:36:32,120
Speaker 2: you have her like heap three three k in the

742
00:36:32,160 --> 00:36:33,759
Speaker 2: bank because I was just doing some quick mass. So

743
00:36:33,800 --> 00:36:37,080
Speaker 2: she's got eighty thousand dollars of income, you know, combined

744
00:36:37,120 --> 00:36:40,719
Speaker 2: with her her husband or partner right now. So if

745
00:36:40,760 --> 00:36:44,160
Speaker 2: you're following that, you know, six months worth of income

746
00:36:44,400 --> 00:36:47,239
Speaker 2: kind of well six months worth of expenses. Yeah, I

747
00:36:47,280 --> 00:36:50,759
Speaker 2: mean fourteen K could be you know, plenty for emergencies,

748
00:36:50,800 --> 00:36:53,759
Speaker 2: and she could take that, you know, let's say break

749
00:36:53,800 --> 00:36:55,160
Speaker 2: off a piece of that eight and a half K

750
00:36:55,280 --> 00:36:57,920
Speaker 2: and save that for vacations and you know, have the

751
00:36:58,040 --> 00:37:01,800
Speaker 2: recurring savings to keep that fund did and I would

752
00:37:01,960 --> 00:37:03,600
Speaker 2: I feel like she has enough to just go ahead

753
00:37:03,640 --> 00:37:06,319
Speaker 2: and max out like an IRA. You know, the what

754
00:37:06,440 --> 00:37:08,839
Speaker 2: is the annual contribution in twenty twenty. I don't want

755
00:37:08,840 --> 00:37:11,280
Speaker 2: to mess it up. It's usually around like six thousand, right.

756
00:37:11,680 --> 00:37:13,319
Speaker 1: It was, Yeah, it was six So let's see what

757
00:37:13,320 --> 00:37:18,480
Speaker 1: it is because she's the max IRA contribution twenty twenty.

758
00:37:18,480 --> 00:37:20,680
Speaker 1: Because you're right, because every year it's different. It is

759
00:37:22,120 --> 00:37:25,480
Speaker 1: Oh well, it doesn't say oh you mean Roth.

760
00:37:25,320 --> 00:37:29,760
Speaker 2: Ira, Yeah Roth, Sorry, well no on Ira Roth whatever. Yeah,

761
00:37:29,920 --> 00:37:30,560
Speaker 2: I guess Roth.

762
00:37:32,120 --> 00:37:36,560
Speaker 1: It is six six thousand. Yep, it's still six thousand.

763
00:37:36,480 --> 00:37:38,440
Speaker 2: Okay, So I mean you could start and you can

764
00:37:38,440 --> 00:37:40,799
Speaker 2: take three thousand and get that half invested and then

765
00:37:41,200 --> 00:37:43,520
Speaker 2: you know, set up savings to max it out through

766
00:37:43,520 --> 00:37:46,399
Speaker 2: the end of the year. But that's a that's that's

767
00:37:46,400 --> 00:37:48,400
Speaker 2: an additional way to invest. But on top of that,

768
00:37:48,520 --> 00:37:50,480
Speaker 2: Tiffany said, you've got over one hundred thousand dollars in

769
00:37:50,520 --> 00:37:52,680
Speaker 2: your four to one K. Make sure that you're well

770
00:37:52,680 --> 00:37:55,040
Speaker 2: diversified in that you know your money is growing at

771
00:37:55,120 --> 00:37:58,000
Speaker 2: a at a at a rate that seems reasonable and

772
00:37:58,040 --> 00:38:00,640
Speaker 2: you're not I don't know what you're invested in obviously,

773
00:38:01,440 --> 00:38:04,200
Speaker 2: but you know, being thirty nine, you can still heavily

774
00:38:04,239 --> 00:38:07,040
Speaker 2: invest in stocks you have. You have a long time horizon.

775
00:38:07,239 --> 00:38:08,880
Speaker 2: So take a look at what you're investing in your

776
00:38:08,920 --> 00:38:11,160
Speaker 2: four to one K and make sure that it's diversified

777
00:38:11,200 --> 00:38:15,000
Speaker 2: properly for your age and your time horizon. And that

778
00:38:15,160 --> 00:38:18,040
Speaker 2: three K and l of us that's all well and good.

779
00:38:18,120 --> 00:38:21,040
Speaker 2: Maybe you want to take that, you know, and start

780
00:38:21,080 --> 00:38:22,799
Speaker 2: adding a little bit to that as well, but.

781
00:38:23,520 --> 00:38:25,440
Speaker 1: And look into target date fonds when it comes to

782
00:38:25,480 --> 00:38:27,480
Speaker 1: your because I feel like you should always invest for

783
00:38:27,480 --> 00:38:30,319
Speaker 1: in retirement. So I invest for in retirement, like like

784
00:38:30,680 --> 00:38:34,000
Speaker 1: fairly conservatively based upon like you know, my age, YadA, YadA.

785
00:38:34,120 --> 00:38:36,719
Speaker 1: So I invest I think about twenty percent because I'm

786
00:38:36,760 --> 00:38:40,920
Speaker 1: an entrepreneur, and then anything above that then I have Angelie,

787
00:38:40,960 --> 00:38:44,200
Speaker 1: my financial planner, invest for wealth. And so investing for

788
00:38:44,280 --> 00:38:46,080
Speaker 1: wealth is we're a little bit more aggressive than I

789
00:38:46,120 --> 00:38:50,080
Speaker 1: would because I'm forty, right, So that means like, okay,

790
00:38:50,160 --> 00:38:53,440
Speaker 1: retirement is taken care of, and God forbid, this wealth

791
00:38:53,440 --> 00:38:55,560
Speaker 1: invested doesn't work out. I'm not going to eat cat

792
00:38:55,560 --> 00:38:58,920
Speaker 1: food because I've invested for retirement. So I would consider

793
00:38:59,000 --> 00:39:01,200
Speaker 1: like looking into like what does investing for wealth and

794
00:39:01,280 --> 00:39:03,200
Speaker 1: what it might look like. You know, maybe that's a

795
00:39:03,239 --> 00:39:05,680
Speaker 1: target date fund, and you can do target date funds

796
00:39:05,680 --> 00:39:09,040
Speaker 1: through your through like a raw iiray. That's just you

797
00:39:09,080 --> 00:39:11,120
Speaker 1: pick a date that you're gonna want to take this

798
00:39:11,239 --> 00:39:13,440
Speaker 1: money out, and it kind of balances itself for you

799
00:39:13,520 --> 00:39:17,200
Speaker 1: every year versus how much money it has invested in,

800
00:39:17,280 --> 00:39:20,279
Speaker 1: like a more conservative vehicle like bonds or a more

801
00:39:20,280 --> 00:39:23,280
Speaker 1: aggressive vehicle like stocks, And every year you get closer

802
00:39:23,320 --> 00:39:27,239
Speaker 1: to the target date, your investments become more and more conservative,

803
00:39:27,280 --> 00:39:29,560
Speaker 1: so you can preserve the capital the money that you

804
00:39:29,600 --> 00:39:32,640
Speaker 1: put in. So yeah, I think you're in a good spot.

805
00:39:32,760 --> 00:39:34,480
Speaker 1: I just do not like to be from that eight.

806
00:39:34,560 --> 00:39:37,279
Speaker 1: You probably have a good because vacation shouldn't cost more

807
00:39:37,320 --> 00:39:40,360
Speaker 1: than like two thousand dollars. You probably have a good

808
00:39:40,480 --> 00:39:44,440
Speaker 1: six thousand. To Mandy's point, just open up a raw

809
00:39:44,520 --> 00:39:48,040
Speaker 1: ira and throw it in there, or add to where

810
00:39:48,080 --> 00:39:51,040
Speaker 1: you have laves or maybe I don't know that I

811
00:39:51,040 --> 00:39:54,640
Speaker 1: would just be investing in loose stocks. You have not

812
00:39:54,719 --> 00:39:57,440
Speaker 1: done that before, but definitely putting it. It sounds like

813
00:39:57,480 --> 00:39:59,880
Speaker 1: to me, putting six thousand dollars toward investing in some

814
00:40:00,520 --> 00:40:01,760
Speaker 1: is a good idea.

815
00:40:01,960 --> 00:40:04,879
Speaker 2: Yeah, all right, Anna, thank you very much for your question.

816
00:40:04,960 --> 00:40:08,480
Speaker 2: Let's keep this financial advice theme going. And just as

817
00:40:08,520 --> 00:40:11,520
Speaker 2: a reminder, of course, Tiffany and I are not investment advisors.

818
00:40:11,560 --> 00:40:14,319
Speaker 2: We're not professional financial planners, so you know, consult your

819
00:40:14,320 --> 00:40:17,279
Speaker 2: own experts for expertise, for just telling you what we

820
00:40:17,360 --> 00:40:20,160
Speaker 2: might do based on our shared experience and what little

821
00:40:20,200 --> 00:40:22,800
Speaker 2: details you guys share with us. So hopefully we got.

822
00:40:23,120 --> 00:40:29,040
Speaker 1: Sue your mama, not us with your mama's some anybody else,

823
00:40:29,080 --> 00:40:31,239
Speaker 1: anybody but else, anybody but us.

824
00:40:32,000 --> 00:40:35,440
Speaker 2: All right, let's take a question from listener. Am I

825
00:40:35,480 --> 00:40:36,719
Speaker 2: gonna pronounce this right?

826
00:40:37,400 --> 00:40:37,600
Speaker 1: Is it?

827
00:40:37,640 --> 00:40:39,440
Speaker 2: Shun oh? Anonymous?

828
00:40:39,480 --> 00:40:39,760
Speaker 1: Okay?

829
00:40:40,920 --> 00:40:43,880
Speaker 2: Anonymous listener? She says, I have I'm assuming it's a she.

830
00:40:43,960 --> 00:40:46,120
Speaker 2: I'm a new listener and have really enjoyed catching up

831
00:40:46,120 --> 00:40:49,160
Speaker 2: on your show. Thank you for all your do. My family,

832
00:40:49,400 --> 00:40:51,680
Speaker 2: my husband and we have a toddler, and I have

833
00:40:51,719 --> 00:40:53,440
Speaker 2: had a lot of change in the past year. We

834
00:40:53,480 --> 00:40:57,160
Speaker 2: moved from Phoenix to North Carolina. Everybody's moving to North Carolina.

835
00:40:57,840 --> 00:41:00,160
Speaker 2: We have new jobs, a new house, and I was

836
00:41:00,200 --> 00:41:02,920
Speaker 2: recently laid off from my job earlier this year, I

837
00:41:03,040 --> 00:41:05,839
Speaker 2: was working. I was without work for six months and

838
00:41:05,880 --> 00:41:08,520
Speaker 2: thankfully I just found a new job. But we're now

839
00:41:08,560 --> 00:41:11,200
Speaker 2: feeling the effects of the financial hit we took this summer,

840
00:41:11,680 --> 00:41:13,319
Speaker 2: and we're thinking we'd like to start working with a

841
00:41:13,320 --> 00:41:16,719
Speaker 2: financial planner, especially before we start on baby number two.

842
00:41:17,360 --> 00:41:20,720
Speaker 2: Do you two use a fee or no fee financial planner?

843
00:41:21,120 --> 00:41:26,280
Speaker 2: And why? Great question. That's a huge, huge year plus

844
00:41:26,280 --> 00:41:28,880
Speaker 2: a job lost. My god, so I mean, congrats for

845
00:41:29,560 --> 00:41:31,560
Speaker 2: coming through it, and I'm glad that you finally have

846
00:41:31,600 --> 00:41:34,080
Speaker 2: a new job and oh my god, baby number two.

847
00:41:34,880 --> 00:41:39,920
Speaker 2: So I personally have fee or no fee financial planner.

848
00:41:39,960 --> 00:41:42,440
Speaker 2: There's not really a thing as a no fee financial planner,

849
00:41:43,239 --> 00:41:46,920
Speaker 2: but there yeah, but there's fee based and fee only,

850
00:41:47,280 --> 00:41:49,759
Speaker 2: so there's planners. It's basically the difference is how they

851
00:41:49,840 --> 00:41:52,200
Speaker 2: charge their fee. So some planners, especially if they help

852
00:41:52,239 --> 00:41:55,920
Speaker 2: you invest, they might add an additional percentage, like and

853
00:41:56,000 --> 00:41:58,680
Speaker 2: take a little bit off your returns on the investments

854
00:41:58,680 --> 00:42:01,799
Speaker 2: that they that they that they recommend for you, they

855
00:42:01,840 --> 00:42:04,840
Speaker 2: put your savings and investments into. And then you have

856
00:42:04,880 --> 00:42:07,160
Speaker 2: some planners who will just charge you a flat fee

857
00:42:07,280 --> 00:42:10,040
Speaker 2: for every time you have a conversation with them, or

858
00:42:10,320 --> 00:42:12,560
Speaker 2: every time they make you know, put together a financial

859
00:42:12,600 --> 00:42:14,920
Speaker 2: plan for you. You know, there's some planners you can

860
00:42:15,080 --> 00:42:16,759
Speaker 2: just you can go to them and just say, you know,

861
00:42:16,840 --> 00:42:20,440
Speaker 2: I want a retirement plan, a financial plan, which is

862
00:42:20,480 --> 00:42:23,239
Speaker 2: usually what financial plans are. They're like a retirement plan,

863
00:42:23,760 --> 00:42:25,440
Speaker 2: and that can cost you know, I don't know a

864
00:42:25,520 --> 00:42:27,720
Speaker 2: thousand bucks, tweve hundred dollars. It depends on the planner.

865
00:42:27,760 --> 00:42:30,120
Speaker 2: You just pay one fee and that's it. If you

866
00:42:30,160 --> 00:42:33,360
Speaker 2: want ongoing investment advice, you're probably looking at someone you

867
00:42:33,160 --> 00:42:35,719
Speaker 2: may take a little bit of a percentage of your returns,

868
00:42:35,920 --> 00:42:39,640
Speaker 2: or somebody who just charges again a flat fee for

869
00:42:39,800 --> 00:42:44,560
Speaker 2: their for their services. I don't have anyone managing my investments,

870
00:42:44,640 --> 00:42:48,320
Speaker 2: so I've always just used a fee only financial planner.

871
00:42:48,440 --> 00:42:51,160
Speaker 2: And basically the way that it works is every time

872
00:42:51,239 --> 00:42:53,759
Speaker 2: we schedule a call with this planner, she charges us

873
00:42:53,800 --> 00:42:56,280
Speaker 2: a flat fee. For me, it's been about two hundred

874
00:42:56,320 --> 00:42:59,960
Speaker 2: dollars depending on the contents of the call and how

875
00:43:00,080 --> 00:43:03,600
Speaker 2: much we're going to cover, and you know how much

876
00:43:03,600 --> 00:43:06,239
Speaker 2: she's going to do for us. And that's works for

877
00:43:06,320 --> 00:43:08,440
Speaker 2: me because I don't need and we don't meet we

878
00:43:08,480 --> 00:43:10,359
Speaker 2: meet when we want to meet, so honestly, I think

879
00:43:10,360 --> 00:43:12,399
Speaker 2: we have maybe three meetings last year. I haven't talked

880
00:43:12,400 --> 00:43:15,040
Speaker 2: to her in a while, is Helen right? Yeah, Helen.

881
00:43:15,120 --> 00:43:16,720
Speaker 2: We've interviewed Helen on the show before.

882
00:43:16,920 --> 00:43:17,760
Speaker 1: Yeah, that's awesome.

883
00:43:17,880 --> 00:43:19,480
Speaker 2: I just didn't want to quote her fee because I've

884
00:43:19,560 --> 00:43:21,120
Speaker 2: used her for a while now and I'm sure she's

885
00:43:21,120 --> 00:43:25,040
Speaker 2: more expensive as as everyone is raising their base and.

886
00:43:25,000 --> 00:43:27,359
Speaker 1: Also too, it all depends like what so, like I

887
00:43:27,400 --> 00:43:29,839
Speaker 1: when I was interviewing folks, I used to have the

888
00:43:29,880 --> 00:43:34,160
Speaker 1: fee base, which is I didn't have the money when

889
00:43:34,160 --> 00:43:36,280
Speaker 1: I first started off to pay anyone out of pocket,

890
00:43:36,400 --> 00:43:39,000
Speaker 1: so I didn't really pay out of pocket. Well, sometimes

891
00:43:39,040 --> 00:43:40,880
Speaker 1: you could pay out of the pocket for the initial

892
00:43:41,360 --> 00:43:45,479
Speaker 1: plan and that's sometimes around like a thousand of twelve

893
00:43:45,520 --> 00:43:47,440
Speaker 1: hundred dollars with the initial plan, but then I didn't

894
00:43:47,440 --> 00:43:50,160
Speaker 1: pay like for the quarterly meeting or anything like that.

895
00:43:50,200 --> 00:43:54,319
Speaker 1: They were my original financial planners were getting paid percentage

896
00:43:54,360 --> 00:43:59,000
Speaker 1: of my portfolio. But then I once I had enough

897
00:43:59,040 --> 00:44:03,160
Speaker 1: money to pay someone, I switched over to a fee

898
00:44:03,280 --> 00:44:05,720
Speaker 1: only and so now I have Angelie. So I interviewed

899
00:44:05,719 --> 00:44:09,279
Speaker 1: a ton of people and I interviewed so actually my

900
00:44:09,560 --> 00:44:12,320
Speaker 1: top three. It was Angelie, it was Helen. I interviewed

901
00:44:12,360 --> 00:44:14,880
Speaker 1: like twenty people Angelie, Helen, and another young woman that

902
00:44:14,960 --> 00:44:17,280
Speaker 1: were my top three, But I ended up choosing Angelie

903
00:44:17,280 --> 00:44:21,600
Speaker 1: because she specifically focused on people who had multiple businesses

904
00:44:22,080 --> 00:44:25,520
Speaker 1: and everyone else that wasn't like one of their core focuses,

905
00:44:26,719 --> 00:44:29,239
Speaker 1: And so I was looking for someone who, guess, is

906
00:44:29,280 --> 00:44:31,920
Speaker 1: going to help my husband and I as a couple.

907
00:44:31,960 --> 00:44:34,279
Speaker 1: But then also the fact that, like, Okay, Tiffany's got

908
00:44:34,320 --> 00:44:36,560
Speaker 1: three businesses and what does that look like? Because I

909
00:44:36,600 --> 00:44:38,880
Speaker 1: also too want to like be able to offer my

910
00:44:38,920 --> 00:44:41,959
Speaker 1: employees like benefits and things like that, and Angelie that's

911
00:44:42,000 --> 00:44:45,000
Speaker 1: something that she does as well. So you're wanting to

912
00:44:45,000 --> 00:44:47,799
Speaker 1: make sure that whoever you're choosing that you share kind

913
00:44:47,800 --> 00:44:51,680
Speaker 1: of like your holistic like financial life, because that way

914
00:44:51,680 --> 00:44:54,279
Speaker 1: they can understand, like, are you someone that I can help,

915
00:44:54,480 --> 00:44:56,840
Speaker 1: like if you're a teacher. There are literally financial planners

916
00:44:56,880 --> 00:45:00,160
Speaker 1: that I interviewed that focus on teachers, or some that

917
00:45:00,239 --> 00:45:03,280
Speaker 1: focused on doctors and lawyers. So there's a great number

918
00:45:03,280 --> 00:45:06,279
Speaker 1: out there. But I pay Angeline a lump some fee

919
00:45:06,280 --> 00:45:07,640
Speaker 1: because there's just so much going on that I had

920
00:45:07,640 --> 00:45:10,719
Speaker 1: to unpack. A lump sum fee for the year that

921
00:45:10,760 --> 00:45:13,880
Speaker 1: I pay that I pay monthly and we meet. In

922
00:45:13,960 --> 00:45:16,600
Speaker 1: the beginning, we were meeting like every month to get

923
00:45:16,640 --> 00:45:19,040
Speaker 1: like it took like, I want to say, five months

924
00:45:19,040 --> 00:45:21,239
Speaker 1: to get all the paperwork together. So me her and

925
00:45:21,280 --> 00:45:24,000
Speaker 1: my husband and her her admin we met every month

926
00:45:24,080 --> 00:45:26,839
Speaker 1: and and as things like slow down, we've probably will

927
00:45:26,880 --> 00:45:29,560
Speaker 1: still be meeting at least four or five, maybe even

928
00:45:29,600 --> 00:45:31,920
Speaker 1: six times this year because there's still a lot to unpack,

929
00:45:32,120 --> 00:45:35,799
Speaker 1: and then after that it'll settle into like quarterly. But yeah,

930
00:45:35,880 --> 00:45:37,400
Speaker 1: and it was not cheap. I mean, I don't know

931
00:45:37,400 --> 00:45:38,719
Speaker 1: if you guys want me to share them out. How

932
00:45:38,719 --> 00:45:39,920
Speaker 1: do you feel about that? I mean, I don't.

933
00:45:40,000 --> 00:45:43,520
Speaker 2: I always want the numbers. Tell us must you're comfortable

934
00:45:43,520 --> 00:45:44,680
Speaker 2: with it, I'm going for with it.

935
00:45:45,280 --> 00:45:46,680
Speaker 1: Yeah, well you know me, girl, I'll be tell all

936
00:45:46,719 --> 00:45:50,320
Speaker 1: my businesses. But it was it's but it's also I

937
00:45:50,360 --> 00:45:52,480
Speaker 1: can write this off because she's helping the business. It's

938
00:45:52,480 --> 00:45:56,160
Speaker 1: fifteen thousand dollars for the year. Now normally you'd be like,

939
00:45:56,239 --> 00:45:59,200
Speaker 1: no way, But because I can write it off, it's

940
00:45:59,200 --> 00:46:01,640
Speaker 1: a I spoke with I spoke with Angelie. It's a

941
00:46:01,680 --> 00:46:05,840
Speaker 1: business expense because a large part of what she's doing

942
00:46:06,360 --> 00:46:10,160
Speaker 1: so Angelie. I actually was just reading an email between her,

943
00:46:10,560 --> 00:46:13,680
Speaker 1: So Angelie's financial planner, Carlos, who's what I call my

944
00:46:13,719 --> 00:46:17,279
Speaker 1: big accountant, and Shanta, who is my CFO, my chief

945
00:46:17,280 --> 00:46:22,839
Speaker 1: financial officer. So they're constantly talking and making decisions financially

946
00:46:23,080 --> 00:46:25,880
Speaker 1: that benefit the company, myself all of that. So so

947
00:46:26,120 --> 00:46:28,239
Speaker 1: to me, I don't I'm not gonna lie. I don't

948
00:46:28,239 --> 00:46:29,480
Speaker 1: know that I would have jumped out the window for

949
00:46:29,520 --> 00:46:32,200
Speaker 1: fifteen thousand if it was Tiffany, just purely out of

950
00:46:32,239 --> 00:46:35,280
Speaker 1: my pocket, but because it was like a company expense

951
00:46:35,320 --> 00:46:38,000
Speaker 1: that the company can shoulder. But when I tell you

952
00:46:38,280 --> 00:46:41,840
Speaker 1: it's it's paid for itself time ten, I was really like,

953
00:46:41,880 --> 00:46:43,839
Speaker 1: what she was literally the most expensive at every time

954
00:46:43,920 --> 00:46:46,359
Speaker 1: I interviewed, she was the most expensive. But it has

955
00:46:46,400 --> 00:46:50,200
Speaker 1: paid for itself already. It's been an amazing experience.

956
00:46:50,239 --> 00:46:54,200
Speaker 2: So yeah, And that's a totally different kind of financial

957
00:46:54,239 --> 00:46:58,040
Speaker 2: planning than someone like, you know, someone who's just like,

958
00:46:58,080 --> 00:47:00,880
Speaker 2: oh me, my husband, my family. You know. It's just

959
00:47:00,960 --> 00:47:03,640
Speaker 2: it's like a business financial planning package. That's that's interesting.

960
00:47:03,920 --> 00:47:06,040
Speaker 2: I mean, And that sounds like, oh, it sounds reasonable.

961
00:47:06,800 --> 00:47:08,960
Speaker 2: Not having a business myself sounds reasonable to me.

962
00:47:09,719 --> 00:47:12,560
Speaker 1: Exact but yeah, but like looking for here's what I'll

963
00:47:12,560 --> 00:47:15,200
Speaker 1: say that as you look for a financial planner, the

964
00:47:15,239 --> 00:47:19,040
Speaker 1: thing that really helped or financial advisor. The difference between

965
00:47:19,040 --> 00:47:21,680
Speaker 1: a financial planner, they typically holistically left your life. Like

966
00:47:21,719 --> 00:47:23,920
Speaker 1: Angelie was gathering, like, girl, this insurance. Do you want

967
00:47:23,960 --> 00:47:26,319
Speaker 1: to leave them with nothing? I'm like no, So she's

968
00:47:26,360 --> 00:47:29,719
Speaker 1: looking at everything. And then typically a financial advisor is

969
00:47:29,760 --> 00:47:33,840
Speaker 1: really helping you specifically with like investments typically so like

970
00:47:33,880 --> 00:47:36,200
Speaker 1: and they're typically selling you things like you you know,

971
00:47:36,280 --> 00:47:39,200
Speaker 1: like my insurance. Like Angeley doesn't sell anything, so she

972
00:47:39,280 --> 00:47:42,000
Speaker 1: will advise that here's the kind of insurance that you

973
00:47:42,120 --> 00:47:45,160
Speaker 1: should should get. You want me to suggest some, but

974
00:47:45,200 --> 00:47:46,440
Speaker 1: you need to buy it and then come back to

975
00:47:46,480 --> 00:47:48,440
Speaker 1: me and show me that you purchased it. So Angelie

976
00:47:48,480 --> 00:47:51,840
Speaker 1: doesn't sell me anything. I've already purchased her advice. Not

977
00:47:52,200 --> 00:47:55,080
Speaker 1: a particular service, I mean, well, not a particular product,

978
00:47:55,600 --> 00:47:58,120
Speaker 1: which is like what financial advisors usually do. They usually

979
00:47:58,120 --> 00:48:01,000
Speaker 1: have like products to sell. But there's nothing wrong with that.

980
00:48:01,040 --> 00:48:03,640
Speaker 1: But the thing that really helped me was I created

981
00:48:03,640 --> 00:48:05,600
Speaker 1: this doc and honestly I'm gonna create Like I keep

982
00:48:05,600 --> 00:48:07,880
Speaker 1: saying this because everybody keeps asking I'm going to create

983
00:48:07,920 --> 00:48:10,719
Speaker 1: like a template of this doc that I created many

984
00:48:10,760 --> 00:48:13,360
Speaker 1: that was so great and that I put all of

985
00:48:13,360 --> 00:48:16,319
Speaker 1: our financial business on there. My husband and I'm like

986
00:48:16,680 --> 00:48:19,160
Speaker 1: our dreams, our goals, how much we make, how much

987
00:48:19,200 --> 00:48:21,560
Speaker 1: we have it, if we had any dat, you know, anything,

988
00:48:21,719 --> 00:48:24,520
Speaker 1: just everything. But I organized it. And that's what I

989
00:48:24,640 --> 00:48:28,800
Speaker 1: sent to potential financial planners and advisors that I was interviewing.

990
00:48:28,920 --> 00:48:31,400
Speaker 1: So somebody would say, I know I have someone Helen.

991
00:48:31,480 --> 00:48:34,840
Speaker 1: She's awesome. I would send Helen like a template email.

992
00:48:34,920 --> 00:48:37,600
Speaker 1: Hey Helen, my name is Tiffany, looking for a planner.

993
00:48:38,000 --> 00:48:41,160
Speaker 1: Here is the doc and like with like where I

994
00:48:41,200 --> 00:48:44,560
Speaker 1: currently am and where i'd like to be. If you

995
00:48:44,640 --> 00:48:47,680
Speaker 1: think that you can help, I would love to set

996
00:48:47,719 --> 00:48:50,160
Speaker 1: up an interview. And so I sent that and what

997
00:48:50,200 --> 00:48:53,719
Speaker 1: that did was it helped me to not leave things out,

998
00:48:53,800 --> 00:48:57,080
Speaker 1: because as you're interviewing financial planners and advisors, you're gonna

999
00:48:57,120 --> 00:48:58,719
Speaker 1: want to share kind of like where you are and

1000
00:48:58,760 --> 00:49:00,800
Speaker 1: your goals. But I didn't. I always remember, oh, I

1001
00:49:00,800 --> 00:49:02,360
Speaker 1: forgot to tell this one that I'm working on this,

1002
00:49:02,440 --> 00:49:04,240
Speaker 1: and I forgot to tell that one that my husband

1003
00:49:04,320 --> 00:49:06,480
Speaker 1: is doing that. So with that doc, it helped me

1004
00:49:06,920 --> 00:49:09,840
Speaker 1: to be able to compare financial advisors apples to apples.

1005
00:49:09,840 --> 00:49:12,640
Speaker 1: The most helpful thing and finding your financial planner advisor

1006
00:49:12,880 --> 00:49:14,759
Speaker 1: for me anyway, was creating that kind of like all

1007
00:49:14,880 --> 00:49:18,400
Speaker 1: money stock that I sent out to people and use

1008
00:49:18,440 --> 00:49:19,839
Speaker 1: it as a stepping stone. So then when we got

1009
00:49:19,840 --> 00:49:22,120
Speaker 1: on the phone, we were discussing the same thing, which

1010
00:49:22,200 --> 00:49:24,880
Speaker 1: was this document, and like, yeah, you have to be

1011
00:49:24,880 --> 00:49:26,759
Speaker 1: all the way on with your financial advisor, like the good,

1012
00:49:26,800 --> 00:49:30,120
Speaker 1: the bad, the ugly, and yeah, I just found it

1013
00:49:30,200 --> 00:49:32,279
Speaker 1: to be helpful. I am going to eventually, like I

1014
00:49:32,280 --> 00:49:34,360
Speaker 1: want to create a template to so obviously my information

1015
00:49:34,440 --> 00:49:36,760
Speaker 1: is not in there. I could pull out my numbers

1016
00:49:36,760 --> 00:49:39,320
Speaker 1: that people can kind of use and put in their numbers.

1017
00:49:39,360 --> 00:49:41,560
Speaker 1: So because people ask all the time, how do I

1018
00:49:41,600 --> 00:49:44,080
Speaker 1: find a financial planner or advisor? And that was the

1019
00:49:44,080 --> 00:49:46,959
Speaker 1: first time I did that, and cause I'd been looking

1020
00:49:46,960 --> 00:49:49,160
Speaker 1: for one for five years and just failing miserably. Every

1021
00:49:49,200 --> 00:49:50,799
Speaker 1: year I would have somebody and it wouldn't be a fit.

1022
00:49:51,320 --> 00:49:53,640
Speaker 1: And now that doc helped me to find who I

1023
00:49:53,680 --> 00:49:55,719
Speaker 1: have now and she's an amazing fit. And I really

1024
00:49:55,719 --> 00:49:56,920
Speaker 1: credit it to that document.

1025
00:49:57,440 --> 00:49:59,600
Speaker 2: Yeah, and I just found my financial planner through xy

1026
00:49:59,680 --> 00:50:02,000
Speaker 2: Planning Network, which I think is still around, and there's

1027
00:50:02,040 --> 00:50:05,160
Speaker 2: also the National Association of Personal Financial Planners they have

1028
00:50:06,080 --> 00:50:09,520
Speaker 2: or sorry, national association is NAPFA National Association of Personal

1029
00:50:09,560 --> 00:50:13,800
Speaker 2: Financial Advisors it might be, and they only have fee

1030
00:50:13,800 --> 00:50:16,040
Speaker 2: based planners. And you can put in your zip code

1031
00:50:16,200 --> 00:50:19,439
Speaker 2: and look around. Obviously, Like personal referrals are awesome too,

1032
00:50:20,040 --> 00:50:22,120
Speaker 2: asking around to friends, asking around to people you seem

1033
00:50:22,120 --> 00:50:24,120
Speaker 2: to have their lives together if they're using a planner.

1034
00:50:24,719 --> 00:50:27,360
Speaker 2: And definitely interview We interviewed like four or five different people,

1035
00:50:27,480 --> 00:50:29,719
Speaker 2: and you know, you want someone who's not going to

1036
00:50:29,760 --> 00:50:31,520
Speaker 2: talk about money first, who's going to ask you what

1037
00:50:31,560 --> 00:50:33,920
Speaker 2: your goals and your ambitions are, and you're you know

1038
00:50:33,960 --> 00:50:37,279
Speaker 2: what you're looking for, like Tiffany said, before you even

1039
00:50:37,320 --> 00:50:39,000
Speaker 2: sit down with someone. That's a really good sign you've

1040
00:50:39,040 --> 00:50:45,200
Speaker 2: got someone with your you know, best interests at heart. Fabulous.

1041
00:50:45,280 --> 00:50:47,960
Speaker 2: All right, thank you guys for your questions again. Brandimission

1042
00:50:48,000 --> 00:50:50,120
Speaker 2: Podcast at gmail dot com, hit us up on the

1043
00:50:50,280 --> 00:50:53,920
Speaker 2: gram at brand Ambission Podcast, or you can go to

1044
00:50:53,960 --> 00:51:10,480
Speaker 2: our website Brand ambitionion podcast dot com.

1045
00:51:13,719 --> 00:51:16,399
Speaker 1: This is Sisco. This is a Drew Hill song. Right,

1046
00:51:16,760 --> 00:51:22,000
Speaker 1: are you gonna boost or are you gonna break? Because

1047
00:51:22,040 --> 00:51:23,600
Speaker 1: I've got a boost.

1048
00:51:23,719 --> 00:51:28,480
Speaker 2: Like that's so, that's a song sounds like you're constipated.

1049
00:51:28,520 --> 00:51:31,359
Speaker 1: No, yes, no, it goes it's somebody sleeping in my bed.

1050
00:51:31,520 --> 00:51:34,680
Speaker 1: Do you want hem? Or do you want me? Because

1051
00:51:34,680 --> 00:51:38,160
Speaker 1: I want you? Some of y'all gonna be like, wow, Tiffany,

1052
00:51:38,239 --> 00:51:43,240
Speaker 1: that need That melody is not quite what Cisco was singing,

1053
00:51:43,280 --> 00:51:44,319
Speaker 1: but you know what I mean.

1054
00:51:44,520 --> 00:51:45,279
Speaker 2: It's aggressive.

1055
00:51:46,080 --> 00:51:47,080
Speaker 1: Are you gonna break?

1056
00:51:47,360 --> 00:51:50,120
Speaker 2: I am going to I'm gonna keep it positive looking

1057
00:51:50,120 --> 00:51:52,360
Speaker 2: at twenty twenty, I have a lot to boost, but

1058
00:51:52,400 --> 00:51:54,480
Speaker 2: I wanted to. Obviously, for the last six weeks, I

1059
00:51:54,520 --> 00:51:57,640
Speaker 2: have been tied to the house. I have not left

1060
00:51:57,719 --> 00:52:00,120
Speaker 2: at all, and I have been all up on my

1061
00:52:00,160 --> 00:52:02,440
Speaker 2: phone taking advantage of all of the apps and make

1062
00:52:02,440 --> 00:52:05,120
Speaker 2: my life easier. So quick shout out to first and

1063
00:52:05,160 --> 00:52:07,920
Speaker 2: foremost Whole Foods Delivery Service. If you guys, you know

1064
00:52:07,960 --> 00:52:10,520
Speaker 2: you have Whole Foods in your area and they delivered

1065
00:52:10,560 --> 00:52:13,160
Speaker 2: through Amazon Prime. I don't know how Amazon makes money,

1066
00:52:13,160 --> 00:52:15,919
Speaker 2: but they still do free delivery and I can order.

1067
00:52:15,960 --> 00:52:16,439
Speaker 1: I can get.

1068
00:52:16,360 --> 00:52:20,520
Speaker 2: Groceries within two hours, two to five hours typically like

1069
00:52:20,640 --> 00:52:23,239
Speaker 2: same day, and it has saved my butt in so

1070
00:52:23,280 --> 00:52:25,640
Speaker 2: many different ways. And maybe Whole Foods is a little

1071
00:52:25,640 --> 00:52:28,120
Speaker 2: bit more expensive to be honest, like, I never shopped

1072
00:52:28,120 --> 00:52:31,200
Speaker 2: there before. They had this free shipping on Amazon, and

1073
00:52:31,239 --> 00:52:33,200
Speaker 2: it was so easy to shop online because it is

1074
00:52:33,200 --> 00:52:34,919
Speaker 2: a little bit more expensive. And I'm a Trader Joe's

1075
00:52:35,000 --> 00:52:37,480
Speaker 2: kind of girl. But Trader Joe's does not deliver, and

1076
00:52:37,520 --> 00:52:39,759
Speaker 2: I don't have time, nor can I even leave the

1077
00:52:39,760 --> 00:52:42,239
Speaker 2: house for longer than a couple hours. So shout out

1078
00:52:42,239 --> 00:52:45,840
Speaker 2: to Whole Foods Delivery. Shout out to Amazon Prime, and

1079
00:52:45,920 --> 00:52:48,200
Speaker 2: I mentioned them earlier, but I mentioned I was shopping

1080
00:52:48,200 --> 00:52:51,080
Speaker 2: for life insurance, and I'm using a few different websites

1081
00:52:51,080 --> 00:52:53,080
Speaker 2: because of course you want to compare rates, so audits

1082
00:52:53,120 --> 00:52:56,319
Speaker 2: do a quick extra shout out for websites where you

1083
00:52:56,320 --> 00:52:58,840
Speaker 2: can compare not just life insurance, but other types of

1084
00:52:58,840 --> 00:53:02,680
Speaker 2: insurance to like auto renters, insurance, et cetera. So the

1085
00:53:02,719 --> 00:53:05,560
Speaker 2: sites that I've looked at are Value Penguin, Quote Wizard,

1086
00:53:05,800 --> 00:53:09,960
Speaker 2: and Policy Genius, and I've kind of it's they're all

1087
00:53:10,280 --> 00:53:12,719
Speaker 2: basically using the same format, so it's fun. It's nice

1088
00:53:12,719 --> 00:53:14,319
Speaker 2: for me to kind of shop on all three and

1089
00:53:14,360 --> 00:53:17,319
Speaker 2: see what they give me back. So shouts out to

1090
00:53:17,480 --> 00:53:21,920
Speaker 2: anything that saves you time. And for any parents out there,

1091
00:53:21,960 --> 00:53:24,200
Speaker 2: if you guys, have any tips on things that have

1092
00:53:24,280 --> 00:53:27,440
Speaker 2: made your life easier and have automated your lives or

1093
00:53:28,280 --> 00:53:31,120
Speaker 2: made it easier just to like function day to day.

1094
00:53:31,200 --> 00:53:35,279
Speaker 2: I am open to all of your advice, all of

1095
00:53:35,320 --> 00:53:38,640
Speaker 2: your tips and tricks. One thing that I've done is

1096
00:53:38,680 --> 00:53:41,920
Speaker 2: meal prep my final boost. So my dad has been

1097
00:53:41,920 --> 00:53:44,040
Speaker 2: in town this weekend, so I took advantage. I made

1098
00:53:44,080 --> 00:53:46,560
Speaker 2: a crap ton of food for the week and I

1099
00:53:46,680 --> 00:53:49,799
Speaker 2: ordered like Amazon sells these bulk kits of like you know,

1100
00:53:50,000 --> 00:53:54,839
Speaker 2: divided BPA free plastic containers and like you know, three

1101
00:53:54,880 --> 00:53:57,600
Speaker 2: divided sections, and I'm just like packing them because the

1102
00:53:57,680 --> 00:54:00,840
Speaker 2: hardest thing is like even just bending over to microwaves

1103
00:54:00,840 --> 00:54:03,160
Speaker 2: because our microwave is down low. I've realized, like just

1104
00:54:03,200 --> 00:54:05,600
Speaker 2: bending over with a baby in mar is hard. So

1105
00:54:05,760 --> 00:54:08,560
Speaker 2: I'm trying to make things as easy. So I am

1106
00:54:08,600 --> 00:54:13,320
Speaker 2: actually like fed myself and taken care of so meal prep,

1107
00:54:13,800 --> 00:54:17,200
Speaker 2: whole foods, delivery, you know, anything that I can do

1108
00:54:17,320 --> 00:54:19,360
Speaker 2: to make the day to day a little bit easier.

1109
00:54:19,400 --> 00:54:21,320
Speaker 2: And if you guys, like I said, have tips, holler

1110
00:54:21,400 --> 00:54:21,640
Speaker 2: at me.

1111
00:54:23,560 --> 00:54:25,200
Speaker 1: Yeah, I think that's got me. I always think, do

1112
00:54:25,200 --> 00:54:27,120
Speaker 1: what do people do before you could like order everything?

1113
00:54:27,680 --> 00:54:30,839
Speaker 2: Listen it's like it's a curse. The Internet has been

1114
00:54:30,880 --> 00:54:33,120
Speaker 2: a curse in a God send through this entire six weeks.

1115
00:54:33,200 --> 00:54:34,640
Speaker 2: Let me tell us that at three am, you can

1116
00:54:34,640 --> 00:54:37,640
Speaker 2: really scare yourself into a frenzy thinking that either you're

1117
00:54:37,680 --> 00:54:40,359
Speaker 2: gonna die or your baby. That bump on your baby's face,

1118
00:54:40,400 --> 00:54:42,960
Speaker 2: it's like something that's you know, it's just yes. So

1119
00:54:43,080 --> 00:54:44,839
Speaker 2: without the Internet, I think this will be a little

1120
00:54:44,840 --> 00:54:46,279
Speaker 2: bit easier, but it also be a hell of a

1121
00:54:46,320 --> 00:54:50,520
Speaker 2: lot harder. So blesting and curse, well.

1122
00:54:50,400 --> 00:54:53,480
Speaker 1: I am going to booz. So I told myself I

1123
00:54:53,480 --> 00:54:56,240
Speaker 1: was going to make like fitness and like, well this overall,

1124
00:54:56,440 --> 00:54:58,800
Speaker 1: not like necessarily losing weight or whatever, although I could

1125
00:54:59,200 --> 00:55:03,000
Speaker 1: stand to loose eighteen but I was gonna make that

1126
00:55:03,040 --> 00:55:06,720
Speaker 1: like fitness to really be a priority for twenty twenty.

1127
00:55:06,760 --> 00:55:09,920
Speaker 1: And how do I do that realistically for myself? And

1128
00:55:11,040 --> 00:55:13,440
Speaker 1: I don't know. Out of the blue, like so Superman

1129
00:55:13,560 --> 00:55:16,279
Speaker 1: has like he commandeered the full basement as his quote

1130
00:55:16,320 --> 00:55:19,640
Speaker 1: unquote man cave. There's like an open section where like

1131
00:55:19,840 --> 00:55:21,759
Speaker 1: we have the where which I guess it was like

1132
00:55:21,760 --> 00:55:23,399
Speaker 1: the laundry room, but there's also like this big open

1133
00:55:23,440 --> 00:55:25,439
Speaker 1: space and then there's a section behind a door which

1134
00:55:25,480 --> 00:55:27,680
Speaker 1: is truly his man cave, and it's like where he

1135
00:55:27,719 --> 00:55:30,240
Speaker 1: watches movies and YadA, YadA YadA. So the open section

1136
00:55:31,120 --> 00:55:32,719
Speaker 1: like he's like, oh, this is my game room, but

1137
00:55:32,880 --> 00:55:34,799
Speaker 1: there's nothing there but like one chair in the TV.

1138
00:55:34,920 --> 00:55:37,480
Speaker 1: I'm like, this is nothing. So I asked him, in

1139
00:55:37,520 --> 00:55:40,400
Speaker 1: my wifely way, hey, bo, can I have this section

1140
00:55:40,920 --> 00:55:43,000
Speaker 1: and turn it into a I told him I wanted

1141
00:55:43,000 --> 00:55:45,040
Speaker 1: to buy a treadmill and I was like, okay, I

1142
00:55:45,080 --> 00:55:46,920
Speaker 1: guess I can bring it upstairs and he was like, no,

1143
00:55:47,040 --> 00:55:49,000
Speaker 1: that's not gonna make sense on the hardware floors. I

1144
00:55:49,080 --> 00:55:51,800
Speaker 1: knew that. I knew that, but I was waiting for

1145
00:55:51,880 --> 00:55:53,719
Speaker 1: him to offer his basement and he was like, it

1146
00:55:53,719 --> 00:55:55,720
Speaker 1: should go to basement. I'm like, you know what it should.

1147
00:55:57,120 --> 00:56:00,400
Speaker 1: So that's exactly where it is. Slowly, shore I started

1148
00:56:00,440 --> 00:56:03,360
Speaker 1: moving on in I got like, Matt, and.

1149
00:56:03,640 --> 00:56:05,560
Speaker 2: Does he realize what he just gave up? Because wasn't

1150
00:56:05,600 --> 00:56:07,080
Speaker 2: that you're going to go It wasn't that your bargaining

1151
00:56:07,160 --> 00:56:09,080
Speaker 2: chip to get the designs that you wanted for the

1152
00:56:09,120 --> 00:56:11,640
Speaker 2: house was that he got the man cave. And now

1153
00:56:11,640 --> 00:56:14,960
Speaker 2: you're slowly this is this is a wife I know,

1154
00:56:15,200 --> 00:56:16,239
Speaker 2: slowly taking it back.

1155
00:56:17,360 --> 00:56:19,759
Speaker 1: I know, I'm like, and he's actually I thought that

1156
00:56:19,800 --> 00:56:21,400
Speaker 1: he was going to be like pissed about it, but

1157
00:56:21,560 --> 00:56:23,719
Speaker 1: actually because he realized, like I said, it's good that

1158
00:56:23,760 --> 00:56:26,120
Speaker 1: this didn't happen in the beginning, but now that he's

1159
00:56:26,120 --> 00:56:29,640
Speaker 1: seeing like how he actually uses the house, he realized, like, honestly,

1160
00:56:29,640 --> 00:56:31,719
Speaker 1: he doesn't use the other side. It's just open. There

1161
00:56:31,800 --> 00:56:34,319
Speaker 1: was nothing there. There was like some like two like

1162
00:56:34,360 --> 00:56:37,279
Speaker 1: Ikia random ikea office chairs for my old office, and

1163
00:56:37,320 --> 00:56:39,719
Speaker 1: he has a TV on the wall and like like

1164
00:56:39,760 --> 00:56:41,640
Speaker 1: some of his console, like he's got like a PlayStation

1165
00:56:41,719 --> 00:56:44,080
Speaker 1: or whatever. When I tell you, the only time he

1166
00:56:44,120 --> 00:56:46,000
Speaker 1: plays games or when we have kids over and he's

1167
00:56:46,000 --> 00:56:47,480
Speaker 1: showing them how to play games, so he's not really

1168
00:56:47,520 --> 00:56:50,759
Speaker 1: a game person. In the room wasn't big enough for

1169
00:56:50,880 --> 00:56:52,920
Speaker 1: a pool table, because with a pool table he's supposed

1170
00:56:52,920 --> 00:56:54,719
Speaker 1: to have, like he really wanted to pool there, but

1171
00:56:54,719 --> 00:56:56,799
Speaker 1: he's supposed to have like five feet around each side,

1172
00:56:56,840 --> 00:56:58,440
Speaker 1: but it wasn't big enough for that, so it was

1173
00:56:58,480 --> 00:57:02,440
Speaker 1: just basically empty. So now I've got a treadmill down there,

1174
00:57:02,480 --> 00:57:05,239
Speaker 1: and I've got mats, and I was like, how do

1175
00:57:05,320 --> 00:57:07,359
Speaker 1: I tell him I want to order more things? So

1176
00:57:07,480 --> 00:57:08,839
Speaker 1: I just showed him like, I think we should get

1177
00:57:08,840 --> 00:57:10,600
Speaker 1: this rower. Look how cool of this and he looked

1178
00:57:10,600 --> 00:57:12,600
Speaker 1: at me like, oh, here we go. So I ordered it.

1179
00:57:12,600 --> 00:57:13,400
Speaker 1: It's coming tomorrow.

1180
00:57:14,080 --> 00:57:15,319
Speaker 2: You get a Peloton bike.

1181
00:57:16,200 --> 00:57:17,400
Speaker 1: No that I know it been.

1182
00:57:18,440 --> 00:57:20,960
Speaker 2: I know it's hella expensive, but I have been honestly

1183
00:57:21,320 --> 00:57:23,200
Speaker 2: because there's no way I'm going to the gym anymore.

1184
00:57:23,240 --> 00:57:25,000
Speaker 2: And I'm like, Peloton bike, you can put that in

1185
00:57:25,040 --> 00:57:25,520
Speaker 2: a corner.

1186
00:57:26,640 --> 00:57:28,280
Speaker 1: And now I was like, people kept telling me that,

1187
00:57:28,280 --> 00:57:30,240
Speaker 1: but I said and not to say I would never,

1188
00:57:30,760 --> 00:57:32,640
Speaker 1: but I figured, so I'll give you the breakdown of

1189
00:57:32,640 --> 00:57:34,840
Speaker 1: the cost of everything I bought. So the it was

1190
00:57:34,920 --> 00:57:37,520
Speaker 1: in total twelve hundred dollars, which I think is fair

1191
00:57:37,560 --> 00:57:39,480
Speaker 1: because that's about two years worth of my gym membership.

1192
00:57:39,480 --> 00:57:41,880
Speaker 1: I have a La La Fitness or one of these memberships.

1193
00:57:41,920 --> 00:57:43,439
Speaker 1: And I did the math. It was two years worth

1194
00:57:43,440 --> 00:57:44,959
Speaker 1: of memberships. But I wasn't used.

1195
00:57:45,440 --> 00:57:46,960
Speaker 2: Is that like brand new equipment or did you go

1196
00:57:47,000 --> 00:57:48,280
Speaker 2: on Craigslist or Facebook?

1197
00:57:49,160 --> 00:57:52,520
Speaker 1: So I was like, so, yeah, the treadmill was five

1198
00:57:52,640 --> 00:57:54,920
Speaker 1: ninety nine. It's an order track and it was like

1199
00:57:54,960 --> 00:57:56,720
Speaker 1: I got it from Amazon. It was like five star reviews,

1200
00:57:56,760 --> 00:58:00,640
Speaker 1: YadA YadA, YadA. I love it the rower. It's such

1201
00:58:00,640 --> 00:58:03,000
Speaker 1: as a J jotto. I don't know, I'm not familiar,

1202
00:58:03,160 --> 00:58:05,720
Speaker 1: but either way, that was five star reviews and I

1203
00:58:05,720 --> 00:58:08,440
Speaker 1: haven't gotten it yet. It comes tomorrow. And the rower

1204
00:58:08,680 --> 00:58:11,880
Speaker 1: was around three fifty, maybe like three fifty five three sixty.

1205
00:58:13,000 --> 00:58:16,800
Speaker 1: And then I wanted this dip station because I don't

1206
00:58:16,840 --> 00:58:18,880
Speaker 1: like doing abs on the floor because I'm the type

1207
00:58:18,880 --> 00:58:20,440
Speaker 1: of person that's always pulling at my neck and I

1208
00:58:20,440 --> 00:58:22,120
Speaker 1: don't know how to do them right. So there's a

1209
00:58:22,160 --> 00:58:25,040
Speaker 1: dip station. It's like this thing where and I love

1210
00:58:25,040 --> 00:58:26,760
Speaker 1: it at the gym. You put your back against it,

1211
00:58:27,280 --> 00:58:29,520
Speaker 1: you put your elbows like kind of like in the

1212
00:58:29,720 --> 00:58:32,200
Speaker 1: L position, and you're holding onto these like poll things

1213
00:58:32,400 --> 00:58:34,560
Speaker 1: and you lift your feet up and then you could

1214
00:58:34,560 --> 00:58:35,959
Speaker 1: also do pull ups and all that kind of stuff,

1215
00:58:35,960 --> 00:58:37,800
Speaker 1: although I don't do all of that, but that's one

1216
00:58:37,800 --> 00:58:39,800
Speaker 1: of my favorite machines. And then I also got like

1217
00:58:39,840 --> 00:58:43,000
Speaker 1: some free weights, like for Christmas, I asked for like

1218
00:58:43,040 --> 00:58:45,080
Speaker 1: a yoga mat and some like a jump rope and

1219
00:58:45,120 --> 00:58:47,720
Speaker 1: free weights. So all together the dip station, I think

1220
00:58:47,720 --> 00:58:50,440
Speaker 1: it was like one to fifty. So you figure one

1221
00:58:50,520 --> 00:58:52,320
Speaker 1: hundred dollars for like the mats and the free weights.

1222
00:58:52,360 --> 00:58:55,160
Speaker 1: And stuff like that. One fifty for the dip station,

1223
00:58:55,360 --> 00:58:58,880
Speaker 1: three fifty for the rowing machine, and six hundred dollars

1224
00:58:58,880 --> 00:59:01,800
Speaker 1: for the treadmill. It was twelve About twelve hundred dollars

1225
00:59:01,920 --> 00:59:03,720
Speaker 1: is what the gym costs. And I did the math,

1226
00:59:03,760 --> 00:59:05,680
Speaker 1: and I forget my membership. It was like maybe like

1227
00:59:05,720 --> 00:59:09,880
Speaker 1: forty five bucks a month plus whatever La fitness, I

1228
00:59:09,880 --> 00:59:12,640
Speaker 1: don't remember, but one of the fitness places they also

1229
00:59:12,720 --> 00:59:15,560
Speaker 1: charged like one hundred dollars like annual random fee. So

1230
00:59:15,640 --> 00:59:18,400
Speaker 1: after doing all the math, in two years, it's about

1231
00:59:18,400 --> 00:59:21,560
Speaker 1: twelve eighty. It's what that membership costs me. So I

1232
00:59:21,560 --> 00:59:24,520
Speaker 1: feel like having this home gym, and I've been going

1233
00:59:24,520 --> 00:59:27,320
Speaker 1: every morning. I just I told myself twenty minutes on

1234
00:59:27,360 --> 00:59:29,760
Speaker 1: the treadmill, like, just do that, twenty minutes on the

1235
00:59:29,760 --> 00:59:31,960
Speaker 1: tread no stretch, that's it. And then I'll do that

1236
00:59:32,000 --> 00:59:34,240
Speaker 1: for a week and I'll build on there. So I'm

1237
00:59:34,280 --> 00:59:37,040
Speaker 1: excited because I'm like, I have this gym, it's right downstairs.

1238
00:59:37,080 --> 00:59:40,480
Speaker 1: There's no excuses. Even if I miss a day or week,

1239
00:59:40,680 --> 00:59:43,400
Speaker 1: I can easily get back because it's right downstairs. And

1240
00:59:43,400 --> 00:59:46,240
Speaker 1: for me, it was an investment. Then I'm happy about.

1241
00:59:46,320 --> 00:59:48,400
Speaker 1: So that is my boost. It's like, really, I really

1242
00:59:48,440 --> 00:59:51,200
Speaker 1: want to invest in overall wellness. Yes, all I would

1243
00:59:51,240 --> 00:59:53,960
Speaker 1: love to lose like ten to fifteen pounds, but ultimately

1244
00:59:54,000 --> 00:59:56,040
Speaker 1: that's not even what it's about. I just feel like

1245
00:59:56,320 --> 00:59:59,800
Speaker 1: I don't get enough movement, you know, like working from home,

1246
01:00:00,080 --> 01:00:02,360
Speaker 1: sitting a lot, and so this is just a great

1247
01:00:02,440 --> 01:00:04,720
Speaker 1: space because what I found is that like I'll watch

1248
01:00:04,760 --> 01:00:06,840
Speaker 1: TV and I sometimes like it'll be thirty minutes and

1249
01:00:06,880 --> 01:00:09,800
Speaker 1: I'm like, oh wow, because I've watched whatever. Or I'll

1250
01:00:09,800 --> 01:00:13,160
Speaker 1: listen to a podcast. What I really love is that

1251
01:00:13,200 --> 01:00:15,120
Speaker 1: when I wake up in the morning, I can look

1252
01:00:15,160 --> 01:00:17,120
Speaker 1: totally crazy going downstairs, because at the gym you have

1253
01:00:17,120 --> 01:00:20,200
Speaker 1: to look reasonably reasonable. But like literally I can have

1254
01:00:20,400 --> 01:00:24,080
Speaker 1: like lime green sweatpants, you know, like a raggedy like

1255
01:00:24,280 --> 01:00:26,760
Speaker 1: you know, a tank top with my sports bra, and

1256
01:00:26,840 --> 01:00:28,280
Speaker 1: my hair could still be in a bonnet and I

1257
01:00:28,320 --> 01:00:30,600
Speaker 1: could go work out and I keep my sneakers down there.

1258
01:00:30,920 --> 01:00:34,200
Speaker 1: So there's no resistance to working out because I don't

1259
01:00:34,280 --> 01:00:35,640
Speaker 1: have to leave, I don't have to get a car,

1260
01:00:35,680 --> 01:00:36,960
Speaker 1: I don't have to warm up the car, I don't

1261
01:00:37,000 --> 01:00:39,680
Speaker 1: have to look cute. I just go downstairs. So yay,

1262
01:00:40,080 --> 01:00:42,560
Speaker 1: hopefully you will you know, I don't know. I'm really

1263
01:00:42,560 --> 01:00:44,200
Speaker 1: happy about it. Like this morning, I was on the treadmill,

1264
01:00:44,240 --> 01:00:46,720
Speaker 1: like look at you, Tiffany doing things.

1265
01:00:46,920 --> 01:00:49,200
Speaker 2: I love the idea of a dip station, although I'm

1266
01:00:49,240 --> 01:00:53,880
Speaker 2: thinking like case ideas like like guacamole, like some salsa

1267
01:00:54,120 --> 01:00:59,320
Speaker 2: that's what's suspinis and artichoke dip stage. That's a whole

1268
01:00:59,320 --> 01:01:02,160
Speaker 2: different kind of dip station. But oh that's great, good

1269
01:01:02,200 --> 01:01:05,439
Speaker 2: for you. Just feel good And honestly, yeah, I don't

1270
01:01:05,440 --> 01:01:07,960
Speaker 2: like putting pressure. I've we've all fallen into that trap.

1271
01:01:08,000 --> 01:01:10,280
Speaker 2: The numbers, whether it's like I'm gonna save a million

1272
01:01:10,360 --> 01:01:13,160
Speaker 2: dollars this year like probably you won't, or I'm gonna

1273
01:01:13,160 --> 01:01:16,800
Speaker 2: lose one hundred pounds this year, like just one day

1274
01:01:16,800 --> 01:01:18,120
Speaker 2: at a time. People yeah, say that.

1275
01:01:18,160 --> 01:01:20,840
Speaker 1: Michael is just a I should move every day. That's it.

1276
01:01:20,880 --> 01:01:23,080
Speaker 1: That's like, that's if I can do that, like whatever

1277
01:01:23,120 --> 01:01:24,960
Speaker 1: movement looks like. I want to move every day. I

1278
01:01:24,960 --> 01:01:26,560
Speaker 1: don't always feel like going for a walk. Although I

1279
01:01:26,640 --> 01:01:28,880
Speaker 1: like walking, I don't always feel like it. So I'm like, well,

1280
01:01:28,920 --> 01:01:30,760
Speaker 1: you have a treadmill downstairs, get on it. You're gonna

1281
01:01:30,800 --> 01:01:32,440
Speaker 1: have a row or a row you know, you have

1282
01:01:32,560 --> 01:01:35,280
Speaker 1: your mat to whatever stretch, Like, I want to get

1283
01:01:35,280 --> 01:01:39,600
Speaker 1: in physical, purposeful physical activity every single day. And I

1284
01:01:39,640 --> 01:01:40,960
Speaker 1: feel like if I do that, Like I look at

1285
01:01:41,000 --> 01:01:42,480
Speaker 1: my dad. He doesn't go to the gym or anything.

1286
01:01:42,480 --> 01:01:45,160
Speaker 1: He's seventy five, but since we were kids, he's always

1287
01:01:45,200 --> 01:01:49,160
Speaker 1: done like like physical activity every day, whatever that might

1288
01:01:49,200 --> 01:01:51,560
Speaker 1: look like. And you know he's seventy five and healthy

1289
01:01:51,560 --> 01:01:54,040
Speaker 1: and strong. And I want that for myself. And that

1290
01:01:54,040 --> 01:01:57,640
Speaker 1: comes from consistent effort, not these surges of effort, Like

1291
01:01:57,680 --> 01:02:00,280
Speaker 1: that's not where real change is. Me changes me in

1292
01:02:00,440 --> 01:02:04,560
Speaker 1: daily consistent effort, and typically it looks like small things.

1293
01:02:04,720 --> 01:02:06,080
Speaker 1: So if you can do that, if I can commit

1294
01:02:06,160 --> 01:02:09,960
Speaker 1: to ten twenty minutes of small effort, then like your

1295
01:02:09,960 --> 01:02:12,320
Speaker 1: girl's gonna be good. Okay, you know what I'm saying.

1296
01:02:13,160 --> 01:02:13,800
Speaker 1: I love it.

1297
01:02:15,040 --> 01:02:16,920
Speaker 2: All right, we did it. We recorded a show. I

1298
01:02:16,920 --> 01:02:19,520
Speaker 2: have a baby, and we did a show. We did

1299
01:02:19,560 --> 01:02:22,240
Speaker 2: it not at our usual time, but we did it.

1300
01:02:22,480 --> 01:02:25,000
Speaker 1: That's okay. You know, I'm blackible. I'm like maybe whatever

1301
01:02:25,160 --> 01:02:26,920
Speaker 1: that I'll be use right.

1302
01:02:26,960 --> 01:02:30,360
Speaker 2: I feel like we're co parenting this child, close scheduling.

1303
01:02:30,520 --> 01:02:32,600
Speaker 2: All right, Well, thank you guys, against all the love,

1304
01:02:33,160 --> 01:02:37,120
Speaker 2: and we will be back weekly. So wish us, wish

1305
01:02:37,200 --> 01:02:39,720
Speaker 2: you all a happy and healthy new Year, and just

1306
01:02:39,760 --> 01:02:40,440
Speaker 2: happy to be back