WEBVTT - Hey Hey Hey 2020!

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<v Speaker 1>Happy news, ye too. Oh no, no, happy new, ye too.

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<v Speaker 1>I forgot we're brown happy new. Oh chah, I forgot.

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<v Speaker 2>Call that a code Switts was quick.

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

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<v Speaker 1>Mandy say it because.

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<v Speaker 2>You know, numbers aren't always important, but we had one

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<v Speaker 2>number in mind for twenty nineteen and that was one million.

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<v Speaker 2>Because we have been dying to hit a million downloads

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<v Speaker 2>in a year and this was our very first year,

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<v Speaker 2>and you guys we did it over a million downloads

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<v Speaker 2>in twenty nineteen and that is such a huge accomplishment.

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<v Speaker 2>Our show is a little show that could you guys know.

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<v Speaker 2>We've been doing it for four and a half years

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<v Speaker 2>now and it has been entirely word of mouth. Tiffy

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<v Speaker 2>and I are too busy to be doing any kind

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<v Speaker 2>of investment in marketing like marketing and pushing our show,

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<v Speaker 2>but you guys have been so supportive and we continue

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<v Speaker 2>building our listenership and it's just it's beautiful. I love it,

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<v Speaker 2>so thank you guys.

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<v Speaker 1>A million woo, that's a million MILLI a million million,

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<v Speaker 1>a million. Yeah, So honestly that that was awesome. When

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<v Speaker 1>you told me, Mandy, I was like what so, yeah,

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<v Speaker 1>thank you guys so much. You guys are awesome.

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<v Speaker 2>I was sweating it. It was like nine hundred ninety

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<v Speaker 2>seven thousand, six hundred and thirty four on like December

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<v Speaker 2>twenty first, So I was like, Tiffany, can you share

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<v Speaker 2>our show real quick? I'm afraid people will not be

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<v Speaker 2>downloading over the holidays. But you guys came through huge,

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<v Speaker 2>huge surge at the end of the year, so so excited.

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<v Speaker 2>So can we do two milli in twenty twenty?

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<v Speaker 1>I think so too, too? Yeah, I think so.

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

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<v Speaker 2>we talk about doable goals here, why not double it

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<v Speaker 2>in twenty twenty exactly?

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<v Speaker 1>Ah, so many things have tage. We have a baby baby.

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<v Speaker 2>Our first Oh, thank you we have we finally have

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<v Speaker 2>a brown ambition baby.

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<v Speaker 1>Yes, oh, how's a baby.

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<v Speaker 2>He is you know, a lot of work, that is

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<v Speaker 2>what he is. He's adorable. He's adorable, he's very cute,

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

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<v Speaker 2>I feel, I'm telling you, like the face that he

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<v Speaker 2>gets at like two three, the crazy hours in the morning,

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<v Speaker 2>just staring at me and sticking that damn tongue out

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<v Speaker 2>like feed me, feed me woman. That will haunt me forever.

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<v Speaker 1>But I don't tell you they don't get any less ungrateful,

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<v Speaker 1>because just this morning a Superman and Supergirl were fussing.

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<v Speaker 1>She's thirteen now, Uh the ungratefulness never stops because apparently

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<v Speaker 1>we are we are here to accommodate her and all

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<v Speaker 1>the things.

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<v Speaker 2>Two weeks after Christmas, get out of here.

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<v Speaker 1>I mean when I tell you, he was like, did

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

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<v Speaker 1>bothering me a little bit too early in the morning.

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<v Speaker 1>He's at brush your teeth.

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<v Speaker 2>She sounds like my husband.

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

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<v Speaker 1>You know kids. I don't think kids get grateful until

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<v Speaker 1>they're like fully grown, so I can't.

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

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<v Speaker 2>come and visited and it's been it's been a crazy

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<v Speaker 2>So it's been six weeks since we had the baby.

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<v Speaker 2>Thank you guys for all of your beautiful messages and

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<v Speaker 2>all the love. His name is Rio Francisco if you

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<v Speaker 2>haven't if you haven't heard, I really fought hard for that,

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<v Speaker 2>for that name, and I hope. I don't regret it,

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<v Speaker 2>but I still love it. I fought hard, listen, pushing

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<v Speaker 2>that child out of mynother. I swear to god, it

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<v Speaker 2>was the hardest thing I've ever done. And the last

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<v Speaker 2>six weeks have been the hardest weeks of my entire life.

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<v Speaker 2>But I am alive and we are surviving, and my

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

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

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<v Speaker 2>is if anyone out there has a newborn. I've got

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<v Speaker 2>some messages from people who have like four weeks old

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<v Speaker 2>and eight week old babies, and it's it's crazy. But uh,

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<v Speaker 2>I'm just I'm grateful that I'm alive and we're still

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<v Speaker 2>doing the show. And I got a three hour nap today,

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<v Speaker 2>so I.

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<v Speaker 1>Feel like a new woman.

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<v Speaker 2>A new woman. Yes, the things I can do with

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<v Speaker 2>three to four hours of sleep, I have now realized,

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<v Speaker 2>you know, I can. I can like pretty much save

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<v Speaker 2>the world, is how I feel right now. Yeah, Grandpa,

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<v Speaker 2>my dad's downstairs right now watching him, and things have

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

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<v Speaker 2>stressing me out. So Enrique went back to work today,

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<v Speaker 2>Husban's back at work, So tomorrow if my dad goes back,

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<v Speaker 2>I am on my own officially for the first time,

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<v Speaker 2>so low through the whole day with the baby. So

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<v Speaker 2>wish me luck. And I've got six to seven more

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<v Speaker 2>weeks of matt leaves and if you guys have any

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<v Speaker 2>I don't know. All I'm all I'm praying for is

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<v Speaker 2>that by the end of the next six weeks he

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<v Speaker 2>is like sleeping the night because I am stressed about well,

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<v Speaker 2>not stressed because I'm trying not to stress too much

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<v Speaker 2>and just enjoy, you know, these early days. But I

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<v Speaker 2>just think, like, what is it going to be like

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<v Speaker 2>these if I if I'm up every hour and a

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<v Speaker 2>half through the night and then have to go back

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<v Speaker 2>to work, Like what how does that? How does how

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<v Speaker 2>do y'all do that? New moms? Like how does that work?

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<v Speaker 1>Yeah? Please give Mandy some some some Yeah, I honestly

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<v Speaker 1>don't know.

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<v Speaker 2>Just tell me there's another side to this is how

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<v Speaker 2>I feel. But uh yeah, So that was my entire

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<v Speaker 2>holiday was just baby, baby, baby, So how baby have

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<v Speaker 2>you been? What's looking good for you in twenty twenty.

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

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<v Speaker 1>the most chill holidays I had. It was our first

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<v Speaker 1>Christmas in the new house, and yeah, it was really nice.

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<v Speaker 1>I mean I went crazy decorating. I don't know if

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<v Speaker 1>anybody saw my ig tours. Oh, I want to say what.

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<v Speaker 1>I had a roof, Well, this was like a loile

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<v Speaker 1>ago I had. I had a wreath on every single door.

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

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<v Speaker 1>which is just enough if you ask me.

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<v Speaker 2>We got to my Midwestern heritage. That is just enough.

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<v Speaker 2>If not not enough, I.

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<v Speaker 1>Know, but honestly, I just it was really nice because

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<v Speaker 1>I didn't I didn't really do any work. It was

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

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<v Speaker 1>the oldest, and her baby Lily and her husband. They

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<v Speaker 1>came down so it was the first time in years

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<v Speaker 1>that all of us were together. So all the sisters,

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<v Speaker 1>all the nieces and nephews, my mom and my dad,

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<v Speaker 1>and then Superman's family we were all together for Thanksgiving,

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

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<v Speaker 1>pretty chill, and we've been gearing up for my next

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

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<v Speaker 1>finally literally done, done, done, and now we're just working

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<v Speaker 1>on the marketing campaign to roll it out, so y'all

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<v Speaker 1>should see Molly Moore in the early spring. But I

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<v Speaker 1>honestly I've been really thinking about it. I'm gonna do

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<v Speaker 1>a Kickstarter campaign for mollymore because one a few things

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<v Speaker 1>I want to do. Because one, after doing some more

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<v Speaker 1>research on like children and books, I realized that, like

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<v Speaker 1>the statistics for children from low income communities and books

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<v Speaker 1>is really bad. It's like sixty one percent do not

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<v Speaker 1>have access to books, and not having access to books

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<v Speaker 1>set you up for a very hard life. Because books

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<v Speaker 1>are not just about literacy, it's about comprehension. It's about

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<v Speaker 1>exploring your horizons. Books help with counting, books help with

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<v Speaker 1>stem and so if you don't have books, you know,

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<v Speaker 1>it just puts you in a really bad state. And

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<v Speaker 1>I just thought, I want to continuously be able to

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<v Speaker 1>use proceeds from the sale of Molly Moore, the first book,

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<v Speaker 1>in any book that comes after, to provide books to

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<v Speaker 1>communities with children from low income environments, because if you

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<v Speaker 1>can start a home library, that could totally transform the

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<v Speaker 1>trajectory of your life, even if your parents struggled, even

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<v Speaker 1>your parents are in bad read high school or college

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<v Speaker 1>or whatever, that having a home library can actually turn

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

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<v Speaker 1>Plus two, I think, yeah, it's goodhead.

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<v Speaker 2>No, I just I love I'm just the idea. I

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

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<v Speaker 2>Marley Diaz, who started that thousand what was it, well

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<v Speaker 2>read Black Girls.

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

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<v Speaker 1>as a friend of mine used to her Janie. Her

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<v Speaker 1>mom has a nonprofit that I when I first was

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<v Speaker 1>starting a bunch ofista, I used to volunteer for that

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

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<v Speaker 1>they love two towns over.

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

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<v Speaker 2>I'm just saying I'm saying some synergies here, or she could, like,

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<v Speaker 2>you know, be the voice of Molly Moore the audiobook.

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<v Speaker 2>I don't know. This is I'm excited. I can't wait.

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<v Speaker 2>I'm gonn add it to Rido's library.

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<v Speaker 1>I just yeah, I'm I'm gonna send you. I'll send

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<v Speaker 1>you a nice I send you a nice box. So

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<v Speaker 1>I'm just honestly I'm excited because it's just a new

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<v Speaker 1>venture and I just feel really good about it. Plus two,

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<v Speaker 1>like high key, I'm really trying to make sure that

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<v Speaker 1>your kids have financial education in their life, even if

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

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

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<v Speaker 1>how am I supposed to teach my kid? And so

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<v Speaker 1>with molly More books, there at the end there are

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<v Speaker 1>extending lessons and questions to really help to drive that

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<v Speaker 1>home because every book has what I call pre financial

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<v Speaker 1>education lessons, which is like counting math, learning about giving,

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<v Speaker 1>learning about service, learning about community. These are the foundation

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<v Speaker 1>for financial education. So it's age appropriate for three to

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<v Speaker 1>seven year olds. And so then I show you how

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<v Speaker 1>do you extend that lesson as a teacher, as a

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<v Speaker 1>parent or aunt or uncle, So it's like everyone gets

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

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<v Speaker 1>that I've worked toward has built up to this, that

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<v Speaker 1>the budgetiesta was not the end goal. That truly it's

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<v Speaker 1>this because I really believe, you know, I'm a teacher

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<v Speaker 1>at heart, and so to be able to teach financial

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<v Speaker 1>education from like early stages on throughout with all that

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<v Speaker 1>I do with my life. I think it's just so.

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

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<v Speaker 1>Like I'm doing what I'm supposed to do. And wait

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<v Speaker 1>till y'all see this. She is so beautiful. Wait to

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<v Speaker 1>see Molly Moore. So in a couple of weeks we'll

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<v Speaker 1>be dropping. I'll be dropping the book cover. So you

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

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<v Speaker 1>if you want a sneak peek. Actually, I have not

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<v Speaker 1>shared this anywhere, but I do have an Instagram page

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<v Speaker 1>for Molly Moore. It's m a l I like the

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<v Speaker 1>African country Underscore more m Ore, so at Molly may

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<v Speaker 1>a Lot Underscore more and you can take a sneak

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<v Speaker 1>peak of the cover. Please follow the page. I'll be

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<v Speaker 1>doing updates and stuff there. So I posted the cover.

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<v Speaker 1>I might delete it, so harry up because I was like,

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<v Speaker 1>I was just testing out if I was able to

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<v Speaker 1>post on the different Instagram page. So take a look

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<v Speaker 1>while you can.

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<v Speaker 2>Okay, well, at least give them until the show airs. Yeah,

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<v Speaker 2>and delete it tonight. That's some angry listeners so exciting.

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<v Speaker 2>So is that your twenty I was thinking about my

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<v Speaker 2>plans for twenty twenty, which is hard for me to

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<v Speaker 2>see anywhere past going back to work right now, but

0:10:58.240 --> 0:11:01.599
<v Speaker 2>mention like kids and finances. It's also like with parenting.

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<v Speaker 2>Of course I have a six week old, so all

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<v Speaker 2>he needs is poop and you know, food, that's all

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<v Speaker 2>he cares about. But it's also like when do you

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<v Speaker 2>introduce concepts of finance and what's appropriate for a child?

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<v Speaker 2>That's what I That's what I'm like wondering how early

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<v Speaker 2>is too early? Should I even worry about it until

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<v Speaker 2>you know they're you know what, like what age and

0:11:22.040 --> 0:11:24.160
<v Speaker 2>what age is appropriate and like how much you cover

0:11:24.240 --> 0:11:26.360
<v Speaker 2>and you know, because you don't want to, like I

0:11:26.360 --> 0:11:29.480
<v Speaker 2>don't want You know, I've talked about before, like there

0:11:29.520 --> 0:11:32.840
<v Speaker 2>was financial insecurity and financial anxiety in my household that

0:11:32.920 --> 0:11:35.240
<v Speaker 2>I don't think my parents intend intended to make it

0:11:35.280 --> 0:11:37.520
<v Speaker 2>that way, but you know, you just I absorbed all

0:11:37.600 --> 0:11:40.520
<v Speaker 2>that energy. And what I'm trying to change, like flip

0:11:40.559 --> 0:11:43.319
<v Speaker 2>the script, is to sort of create financial positivity because

0:11:43.320 --> 0:11:47.920
<v Speaker 2>I think my own fears and anxieties around finances really

0:11:47.960 --> 0:11:52.640
<v Speaker 2>held me back, especially when it came to to to

0:11:52.880 --> 0:11:56.120
<v Speaker 2>to trying things like investing and even just saving, like

0:11:56.160 --> 0:11:58.560
<v Speaker 2>I live from this this mindset of like money is

0:11:58.679 --> 0:12:02.040
<v Speaker 2>evil and money you know, if you have money then

0:12:02.120 --> 0:12:05.200
<v Speaker 2>you're greedy, uh, you know, and people who have money

0:12:05.600 --> 0:12:07.600
<v Speaker 2>are like you know, there's like a there's just so

0:12:07.720 --> 0:12:10.320
<v Speaker 2>much negativity around it. And I had to change my

0:12:10.360 --> 0:12:12.520
<v Speaker 2>own mindset, and I want to. I would just want

0:12:12.559 --> 0:12:14.920
<v Speaker 2>to have a household where it is. It is an

0:12:14.960 --> 0:12:18.400
<v Speaker 2>empowering thing and you know, we use it for good

0:12:18.520 --> 0:12:20.199
<v Speaker 2>and we use it to grow. And you know what

0:12:20.280 --> 0:12:21.240
<v Speaker 2>I'm trying to say, and.

0:12:21.360 --> 0:12:23.120
<v Speaker 1>No I do, and I'm not there at the road

0:12:23.200 --> 0:12:25.240
<v Speaker 1>meth this For that, I'll say, like you know, as

0:12:25.280 --> 0:12:28.600
<v Speaker 1>a former preschool teacher, I'll say that typically around the

0:12:28.640 --> 0:12:32.160
<v Speaker 1>age of three, sometimes as early as two, because like

0:12:32.200 --> 0:12:34.800
<v Speaker 1>my my niece Amelia is two and she's speaking and

0:12:34.880 --> 0:12:38.839
<v Speaker 1>so so. But what pre financial education looks like, I

0:12:38.880 --> 0:12:41.720
<v Speaker 1>would say two to four is not this is a dollar,

0:12:41.880 --> 0:12:43.640
<v Speaker 1>this is how you use it. That's not what that is.

0:12:44.160 --> 0:12:46.320
<v Speaker 1>It's Amelia. You don't want to share with Roman. Roman

0:12:46.360 --> 0:12:49.640
<v Speaker 1>is my my her brother and her her Uh he's four.

0:12:50.120 --> 0:12:54.000
<v Speaker 1>So pre financial education lessons are like they look more

0:12:54.120 --> 0:13:00.559
<v Speaker 1>like morality lessons like sharing and mine versus yours and

0:13:00.640 --> 0:13:03.440
<v Speaker 1>more and less. You know what I mean pre financial

0:13:03.559 --> 0:13:06.760
<v Speaker 1>education lessons are also it's also numbers and counting, so

0:13:07.360 --> 0:13:09.240
<v Speaker 1>you're likely going to be doing a lot of that anyway,

0:13:09.240 --> 0:13:14.199
<v Speaker 1>but an intention for that's important and people don't realize

0:13:14.200 --> 0:13:16.439
<v Speaker 1>that even when it comes to counting, like for example,

0:13:16.480 --> 0:13:19.240
<v Speaker 1>Molly Moore the book, it rhymes and it seems like, oh,

0:13:19.280 --> 0:13:22.200
<v Speaker 1>that's cute and rhymes, No, that it was intentional for

0:13:22.240 --> 0:13:26.160
<v Speaker 1>it to rhyme, because rhyming is a precursor to counting, right,

0:13:26.240 --> 0:13:30.319
<v Speaker 1>Because think about it, like if you can go or

0:13:30.360 --> 0:13:32.079
<v Speaker 1>even just keeping a beat right, so if you can

0:13:32.120 --> 0:13:36.160
<v Speaker 1>do like cat bat sat, that's like what I'm showing

0:13:36.200 --> 0:13:39.520
<v Speaker 1>you is that each of those individual things are like

0:13:39.800 --> 0:13:42.360
<v Speaker 1>one beat, one beat, so now you can say one, two,

0:13:42.600 --> 0:13:45.320
<v Speaker 1>three and then. So when I was teaching, that's one

0:13:45.320 --> 0:13:47.720
<v Speaker 1>of the reasons why the ABC song has like this

0:13:47.800 --> 0:13:49.520
<v Speaker 1>kind of like rhythm to it, because what we're really

0:13:49.559 --> 0:13:53.000
<v Speaker 1>teaching children is like this like spatial relation in their

0:13:53.040 --> 0:13:56.560
<v Speaker 1>mind A B C, then one, two three, then what

0:13:56.679 --> 0:13:58.720
<v Speaker 1>is one? Oh this is one apple? Oh, this is

0:13:58.720 --> 0:14:01.000
<v Speaker 1>what two apples look like. So everything kind of builds

0:14:01.000 --> 0:14:03.439
<v Speaker 1>on top of each other. But that's what it looks like.

0:14:03.559 --> 0:14:07.119
<v Speaker 1>It looks like by two like you know, singing songs.

0:14:07.600 --> 0:14:10.760
<v Speaker 1>It looks like, you know, by three, teaching them about

0:14:10.800 --> 0:14:14.440
<v Speaker 1>sharing and giving and not everything belongs to you. So

0:14:14.440 --> 0:14:16.200
<v Speaker 1>that's something Amelia is having a very hard time with

0:14:16.320 --> 0:14:21.200
<v Speaker 1>right now. Right and then by four it looks like

0:14:21.440 --> 0:14:25.080
<v Speaker 1>taking responsibility. So Roman is in preschool and so at

0:14:25.120 --> 0:14:28.000
<v Speaker 1>four he will have a school job. Most preschoolers have

0:14:28.040 --> 0:14:31.040
<v Speaker 1>like a school job, meaning that like there's usually like

0:14:31.040 --> 0:14:33.800
<v Speaker 1>a little board where it says his name, and then

0:14:34.080 --> 0:14:36.800
<v Speaker 1>Roman sets the table or he picks up the blocks

0:14:36.800 --> 0:14:40.080
<v Speaker 1>today whatever. So he's learning responsibility, like, this is what

0:14:40.160 --> 0:14:43.800
<v Speaker 1>I'm responsible for. So that's a pre financial education lesson.

0:14:43.880 --> 0:14:45.440
<v Speaker 1>And what I did is I took it further, and

0:14:45.440 --> 0:14:47.800
<v Speaker 1>this is what I plan to do when I have

0:14:47.960 --> 0:14:51.400
<v Speaker 1>my bambinos. I took it further in that not only

0:14:51.480 --> 0:14:54.000
<v Speaker 1>is that your quote unquote school job, but I'm gonna

0:14:54.000 --> 0:14:55.760
<v Speaker 1>pay you. At four or five you can start to

0:14:55.800 --> 0:14:59.560
<v Speaker 1>do that. I'm gonna give you monopoly money. And for

0:14:59.640 --> 0:15:01.600
<v Speaker 1>a job job done, you get a dollar. For a

0:15:01.680 --> 0:15:03.680
<v Speaker 1>job well done, you get two. And if you don't

0:15:03.720 --> 0:15:05.960
<v Speaker 1>do it, you don't get any money. And then by

0:15:06.040 --> 0:15:08.120
<v Speaker 1>four and five we can you can create. This is

0:15:08.120 --> 0:15:09.480
<v Speaker 1>what I used to do with my classroom. We would

0:15:09.480 --> 0:15:12.160
<v Speaker 1>create savings boxes with shoe boxes, and we would talk

0:15:12.200 --> 0:15:14.520
<v Speaker 1>about what does it mean to say? And what are

0:15:14.520 --> 0:15:16.240
<v Speaker 1>some of the things they like? Oh like candy, I

0:15:16.320 --> 0:15:18.040
<v Speaker 1>like this? Do you know how much those things cost?

0:15:18.520 --> 0:15:21.400
<v Speaker 1>And you know, like sometimes mommy and daddy they or

0:15:21.440 --> 0:15:24.000
<v Speaker 1>auntie and uncle, you see them with money. What does

0:15:24.000 --> 0:15:26.280
<v Speaker 1>that mean? So now you have a job at school,

0:15:26.600 --> 0:15:28.680
<v Speaker 1>I'm paying you this money and you're going to be

0:15:28.680 --> 0:15:31.960
<v Speaker 1>putting it every day into your savings box. And then

0:15:32.000 --> 0:15:34.080
<v Speaker 1>every Friday I would go to like the dollar store

0:15:34.080 --> 0:15:36.280
<v Speaker 1>and get like little Chotchki's, and then they would buy

0:15:36.320 --> 0:15:39.040
<v Speaker 1>the things that they wanted from with their savings box money.

0:15:39.240 --> 0:15:43.200
<v Speaker 1>Because I was teaching them this correlation between work, a

0:15:43.320 --> 0:15:46.920
<v Speaker 1>job well done savings spending. There would be the things

0:15:46.920 --> 0:15:49.720
<v Speaker 1>in the store that would be more than what they

0:15:49.720 --> 0:15:51.720
<v Speaker 1>could possibly make in a week, because if you got

0:15:51.720 --> 0:15:54.520
<v Speaker 1>paid two dollars a week maximum, that's ten dollars for

0:15:54.600 --> 0:15:56.000
<v Speaker 1>the week. So there would be things in the store

0:15:56.000 --> 0:15:58.120
<v Speaker 1>that were fifteen dollars. Then'll may be I'd to make

0:15:58.160 --> 0:16:01.320
<v Speaker 1>a Teddy beer fifteen dollars. They would have to learn that.

0:16:01.400 --> 0:16:04.320
<v Speaker 1>Some kids had to figure out, well, if I really

0:16:04.360 --> 0:16:07.280
<v Speaker 1>want this teddy bear, then that means I don't get

0:16:07.280 --> 0:16:10.680
<v Speaker 1>anything this week, And learning even that was like some kids,

0:16:10.720 --> 0:16:13.320
<v Speaker 1>no matter what, they spent all their money every single week,

0:16:13.480 --> 0:16:15.840
<v Speaker 1>and you got some kids that understood, if I want

0:16:15.880 --> 0:16:18.920
<v Speaker 1>this teddy bear, I'm gonna have to not spend anything

0:16:18.920 --> 0:16:21.560
<v Speaker 1>this week and then save it for next week. So

0:16:21.640 --> 0:16:23.320
<v Speaker 1>you see how it builds on top of each other.

0:16:24.160 --> 0:16:26.200
<v Speaker 1>But yeah, I think like when he's really really little,

0:16:26.240 --> 0:16:30.320
<v Speaker 1>it's just really singing and counting and rhythm and rhyme,

0:16:30.720 --> 0:16:34.040
<v Speaker 1>and then learning how to share and that everything does

0:16:34.080 --> 0:16:36.840
<v Speaker 1>not belong to you and lessen more and you'll.

0:16:36.680 --> 0:16:39.960
<v Speaker 2>Be matches with mommy and daddy, like over the kitchen

0:16:39.960 --> 0:16:43.680
<v Speaker 2>table about Bill's got it.

0:16:44.360 --> 0:16:46.240
<v Speaker 1>I grew up in the house sold. My dad did

0:16:46.280 --> 0:16:49.040
<v Speaker 1>a great job teaching us about money in a way

0:16:49.240 --> 0:16:51.920
<v Speaker 1>that I wasn't afraid. It was a recession that taught

0:16:51.920 --> 0:16:55.320
<v Speaker 1>me fear, not my parents, because my dad was very

0:16:55.400 --> 0:16:59.120
<v Speaker 1>matter of fact, so he didn't give money any extra energy.

0:16:59.160 --> 0:17:02.240
<v Speaker 1>It just was hey, by the way, you know this

0:17:02.240 --> 0:17:05.320
<v Speaker 1>this thing happened, and so I'm sharing with you what happened.

0:17:05.320 --> 0:17:07.760
<v Speaker 1>So your mom lost her job, Oh no, no, it'll

0:17:07.800 --> 0:17:09.359
<v Speaker 1>be fine. You know your mom is smart she's going

0:17:09.400 --> 0:17:11.359
<v Speaker 1>to find another one. But it means that, you know,

0:17:11.520 --> 0:17:14.720
<v Speaker 1>jobs pay money, and Christmas is coming and gifts cost money.

0:17:14.840 --> 0:17:16.679
<v Speaker 1>What does that mean. It just means that we're going

0:17:16.760 --> 0:17:20.720
<v Speaker 1>to have Christmas in January instead of December. Oh okay.

0:17:20.760 --> 0:17:23.520
<v Speaker 1>But there was never any inflection of this is some bad,

0:17:23.600 --> 0:17:26.240
<v Speaker 1>terrible thing. It just was And I think that was

0:17:26.240 --> 0:17:29.159
<v Speaker 1>probably the best thing he could do versus making money

0:17:29.240 --> 0:17:32.120
<v Speaker 1>a good or bad thing. It was just a neutral thing.

0:17:32.680 --> 0:17:34.639
<v Speaker 1>And he was just kind of like sharing the news,

0:17:34.840 --> 0:17:36.520
<v Speaker 1>and so that's how he approached money when he was

0:17:36.560 --> 0:17:39.000
<v Speaker 1>teaching us about it, like the light bill is too high,

0:17:39.160 --> 0:17:42.159
<v Speaker 1>that's the news. What can we do? And so because

0:17:42.160 --> 0:17:44.200
<v Speaker 1>of that, I grew up with a really healthy relationship

0:17:44.200 --> 0:17:46.480
<v Speaker 1>with money. Like I said, the recession totally took me

0:17:46.520 --> 0:17:48.679
<v Speaker 1>out because I you know, it just was such a

0:17:48.680 --> 0:17:51.240
<v Speaker 1>devastating time. But I was able to go back to

0:17:51.480 --> 0:17:53.639
<v Speaker 1>or close to my healthy relationship with money because I

0:17:53.640 --> 0:17:56.000
<v Speaker 1>had that foundation. So that's another thing too. I think

0:17:56.000 --> 0:17:59.879
<v Speaker 1>it's as parents not not giving many money emotional and

0:18:00.359 --> 0:18:03.840
<v Speaker 1>it's it's a thing, it's a tool, it's not it's

0:18:03.880 --> 0:18:04.840
<v Speaker 1>not the goal itself.

0:18:05.600 --> 0:18:09.679
<v Speaker 2>Yeah, And for me, my first and foremost goal is

0:18:09.720 --> 0:18:12.560
<v Speaker 2>to I don't know why I was. I was overthinking

0:18:12.560 --> 0:18:15.879
<v Speaker 2>a little bit how to start saving for Rio, and

0:18:15.960 --> 0:18:18.480
<v Speaker 2>I'm just all I've decided to do is just open

0:18:18.560 --> 0:18:21.440
<v Speaker 2>up a roth ira right now, like a custodial ira,

0:18:21.920 --> 0:18:23.879
<v Speaker 2>and just start putting money in each month, and like,

0:18:23.920 --> 0:18:26.080
<v Speaker 2>don't stress about what I'm investing, and just get some

0:18:26.160 --> 0:18:28.280
<v Speaker 2>mutual funds and just do it, because like something is

0:18:28.320 --> 0:18:32.640
<v Speaker 2>better than nothing. And I know we've gotten questions from

0:18:32.680 --> 0:18:35.560
<v Speaker 2>parents over the years we've been doing the show on

0:18:35.640 --> 0:18:37.119
<v Speaker 2>how the best way to save? When is it five

0:18:37.240 --> 0:18:40.000
<v Speaker 2>two nine versus roth iray. The only reason I decided

0:18:40.000 --> 0:18:42.320
<v Speaker 2>to go with the roth iray is just because it's

0:18:42.320 --> 0:18:45.439
<v Speaker 2>a lot more flexible and I don't necessarily have to

0:18:45.560 --> 0:18:48.919
<v Speaker 2>use the money on college expenses. So something were to

0:18:48.960 --> 0:18:50.760
<v Speaker 2>happen and we needed to tap into it earlier. It

0:18:50.880 --> 0:18:54.920
<v Speaker 2>just seemed like it seemed like the better option. And

0:18:55.119 --> 0:18:56.960
<v Speaker 2>also five to two nine seem a little like I

0:18:57.040 --> 0:19:00.399
<v Speaker 2>understand roth irays. I understand how to open went up

0:19:00.400 --> 0:19:03.640
<v Speaker 2>and how to choose investments, and maybe because five two

0:19:03.680 --> 0:19:05.399
<v Speaker 2>ninees I'm a little less familiar with it, just that

0:19:05.800 --> 0:19:09.439
<v Speaker 2>you know, the the idea of needing to research that

0:19:09.480 --> 0:19:11.800
<v Speaker 2>space and find the right account, and all that seems

0:19:11.840 --> 0:19:13.479
<v Speaker 2>like it takes more energy, and right now I'm just

0:19:13.480 --> 0:19:15.879
<v Speaker 2>like done is better than perfect, and a roth iray

0:19:15.960 --> 0:19:18.359
<v Speaker 2>makes sense and I can easily just open one up

0:19:18.359 --> 0:19:21.720
<v Speaker 2>alongside my Vanguard account, you know, and call it a day.

0:19:22.040 --> 0:19:25.400
<v Speaker 2>And then number two my goal is life insurance because

0:19:25.840 --> 0:19:27.480
<v Speaker 2>for those of you who have, like you know, I've

0:19:27.480 --> 0:19:31.240
<v Speaker 2>always had my life my insurance through my employer, but

0:19:31.359 --> 0:19:33.159
<v Speaker 2>you know, you can't really take that with you and

0:19:33.200 --> 0:19:35.800
<v Speaker 2>it gets harder to well. Life insurance gets more expensive

0:19:35.800 --> 0:19:38.679
<v Speaker 2>as you get older, so some people recommend getting your

0:19:38.680 --> 0:19:41.159
<v Speaker 2>own life insurance policy. Also, it's only a certain amount,

0:19:41.200 --> 0:19:43.960
<v Speaker 2>so it may not be enough for, you know, to

0:19:44.000 --> 0:19:46.200
<v Speaker 2>really sustain your family. It's something were to happen to you.

0:19:47.440 --> 0:19:49.800
<v Speaker 2>So I have started to shop around for life insurance,

0:19:49.840 --> 0:19:53.760
<v Speaker 2>and fortunately there are sites like Value, Penguin, Quote, Wizard,

0:19:54.720 --> 0:19:57.840
<v Speaker 2>Policy Genius that make it pretty simple to shop for

0:19:57.920 --> 0:20:01.040
<v Speaker 2>life insurance. I've honestly found. I used all three of

0:20:01.040 --> 0:20:04.440
<v Speaker 2>those to try and find a to start shopping for

0:20:04.440 --> 0:20:07.040
<v Speaker 2>a policy. They kind of gave me the exact same company.

0:20:07.160 --> 0:20:11.200
<v Speaker 2>So I don't know if it's probably based on where

0:20:11.200 --> 0:20:14.120
<v Speaker 2>you live, what's what's available to you, but it seems

0:20:14.280 --> 0:20:18.840
<v Speaker 2>pretty simple, and that is that's starting to that that

0:20:18.960 --> 0:20:20.520
<v Speaker 2>to me is one of the more important things. It's like,

0:20:20.520 --> 0:20:21.879
<v Speaker 2>if something were to happen to me, I want to

0:20:21.880 --> 0:20:24.879
<v Speaker 2>be sure that he is okay and that you know

0:20:25.119 --> 0:20:28.520
<v Speaker 2>there's no change to his because you know his luxurious lifestyle.

0:20:30.560 --> 0:20:34.440
<v Speaker 1>So I'm telling you, like, insurance is definitely like this critical.

0:20:35.000 --> 0:20:38.240
<v Speaker 1>Obviously they get the onesies and the toys and.

0:20:38.240 --> 0:20:39.840
<v Speaker 2>All that crap life insurance.

0:20:39.960 --> 0:20:42.800
<v Speaker 1>Yes, yeah, it's crazy. How like things that are important

0:20:42.840 --> 0:20:45.400
<v Speaker 1>to you like when you're older, like who cares about insurance?

0:20:45.400 --> 0:20:48.320
<v Speaker 1>And now you're like, ah, baby.

0:20:47.640 --> 0:20:51.200
<v Speaker 2>I care my baby. I just want him to be okay. Listen.

0:20:51.240 --> 0:20:53.560
<v Speaker 2>I got this book called Good Moms Have Scary Thoughts.

0:20:53.560 --> 0:20:55.480
<v Speaker 2>I highly recommend it to anybody out there if you

0:20:55.520 --> 0:20:57.680
<v Speaker 2>need a gift for your a new mom in your life.

0:20:57.760 --> 0:21:01.600
<v Speaker 2>It is amazing because honestly, the first thing you think

0:21:01.600 --> 0:21:04.639
<v Speaker 2>about is what if I die? What if Husban dies.

0:21:04.760 --> 0:21:07.000
<v Speaker 2>It's it's dark, but it's true and you want to

0:21:07.440 --> 0:21:09.600
<v Speaker 2>you just yeah, you have this real urge to like

0:21:09.720 --> 0:21:13.439
<v Speaker 2>protect and to set you know, your child up for

0:21:13.480 --> 0:21:15.080
<v Speaker 2>success if you weren't to be here, and then of

0:21:15.119 --> 0:21:16.560
<v Speaker 2>course you cry a little bit and then you know

0:21:16.560 --> 0:21:20.320
<v Speaker 2>it's all the emotions. But yeah, that's the goal. That's

0:21:20.320 --> 0:21:23.000
<v Speaker 2>my little baby goals for twenty twenty. In career wise,

0:21:23.080 --> 0:21:26.639
<v Speaker 2>I don't even freaking know. I just need stability for

0:21:26.720 --> 0:21:28.920
<v Speaker 2>the next you know, several months. Hopefully can get back

0:21:28.960 --> 0:21:33.040
<v Speaker 2>into a flow with work and I'll share with you know,

0:21:33.160 --> 0:21:36.560
<v Speaker 2>you guys on how that's going. Just I'm yeah, anyway,

0:21:36.640 --> 0:21:40.080
<v Speaker 2>let me just get the next six seven weeks being

0:21:40.119 --> 0:21:40.879
<v Speaker 2>home first.

0:21:41.240 --> 0:21:44.680
<v Speaker 1>Yeah, I would say, like my I haven't only set

0:21:44.680 --> 0:21:46.880
<v Speaker 1>any professional professional goal. I'm actually having a vision board

0:21:46.920 --> 0:21:50.119
<v Speaker 1>party next weekend. I have one like every year, you

0:21:50.280 --> 0:21:52.160
<v Speaker 1>just like my sister's and like one or two friends

0:21:52.560 --> 0:21:55.760
<v Speaker 1>should do a vision board. Yeah, I just because it's

0:21:56.080 --> 0:21:58.280
<v Speaker 1>less for that, like you know, like the mushi, like

0:21:58.400 --> 0:22:01.440
<v Speaker 1>you know, thinking for vision for the board itself, and

0:22:01.480 --> 0:22:03.480
<v Speaker 1>more so it forces me in the moment to really

0:22:03.560 --> 0:22:05.760
<v Speaker 1>kind of pull out what is it? How is it

0:22:05.760 --> 0:22:08.560
<v Speaker 1>do you see your life unfolding this this year? So

0:22:08.640 --> 0:22:11.520
<v Speaker 1>it really helps me to pull out of myself because

0:22:11.520 --> 0:22:13.520
<v Speaker 1>I'm like spending this moment this time to do so.

0:22:15.000 --> 0:22:17.960
<v Speaker 1>I would say personally, I feel like in the best

0:22:17.960 --> 0:22:20.480
<v Speaker 1>place I have in a long time. Personally like great family,

0:22:20.520 --> 0:22:24.000
<v Speaker 1>great friends, Like I'm for the first time in I

0:22:24.040 --> 0:22:27.320
<v Speaker 1>don't know, in my adult life, every single one of

0:22:27.359 --> 0:22:32.960
<v Speaker 1>my core relationships is in a good space, like parents, friends, family,

0:22:33.440 --> 0:22:35.600
<v Speaker 1>like you know, the people I interact with regularly. It's

0:22:35.680 --> 0:22:38.520
<v Speaker 1>it feels awesome. You know. You don't realize that that's

0:22:38.600 --> 0:22:41.240
<v Speaker 1>not true until you start like working on things. You're like, oh,

0:22:41.240 --> 0:22:43.000
<v Speaker 1>I could really be better with super Girl. You should

0:22:43.040 --> 0:22:45.439
<v Speaker 1>hang out more. Oh I could really like call my

0:22:45.480 --> 0:22:48.359
<v Speaker 1>mom more, you know. But I'm in a good space

0:22:48.400 --> 0:22:50.600
<v Speaker 1>with everything, and I'm like, oh my god, I didn't Wow,

0:22:50.640 --> 0:22:53.760
<v Speaker 1>this feels awesome. There is no internal dread when it

0:22:53.800 --> 0:22:56.200
<v Speaker 1>comes to any of my core relationships, which is which

0:22:56.240 --> 0:23:01.480
<v Speaker 1>is great? And then professionally, I really think that Molly Moore,

0:23:01.800 --> 0:23:03.399
<v Speaker 1>because the book is going to be about twenty two

0:23:03.440 --> 0:23:05.080
<v Speaker 1>bucks a book, I think give or take, because you know,

0:23:05.080 --> 0:23:06.840
<v Speaker 1>we're going to be doing some of that money. We'll

0:23:06.840 --> 0:23:10.040
<v Speaker 1>be going toward donating books. But I really think I

0:23:10.080 --> 0:23:12.080
<v Speaker 1>did the math, like what would it take for Molly

0:23:12.080 --> 0:23:14.520
<v Speaker 1>Moore to make seven figures in its first year and

0:23:14.560 --> 0:23:17.640
<v Speaker 1>it's about forty six thousand books. I think I did

0:23:17.640 --> 0:23:20.879
<v Speaker 1>the math, which I think we could do you know, Like,

0:23:20.960 --> 0:23:22.800
<v Speaker 1>I'm like, I've got a pretty good sized audience forty

0:23:22.840 --> 0:23:23.960
<v Speaker 1>six times twenty two.

0:23:24.240 --> 0:23:26.480
<v Speaker 2>Yeah, I think that we have like half a million

0:23:26.560 --> 0:23:27.760
<v Speaker 2>dream Catchers get out of here.

0:23:28.320 --> 0:23:30.600
<v Speaker 1>H well, you know that everybody everybody doesn't you know,

0:23:30.640 --> 0:23:33.800
<v Speaker 1>buy so, But I think that that would be crazy

0:23:33.880 --> 0:23:35.520
<v Speaker 1>to be like, you know, I'm like, wow, I can

0:23:35.640 --> 0:23:37.920
<v Speaker 1>make Molly Moore get to seven figures in its first year.

0:23:38.200 --> 0:23:40.000
<v Speaker 1>But I think the biggest thing that I really want

0:23:40.000 --> 0:23:42.600
<v Speaker 1>to accomplish professionally by the end of the year is

0:23:43.440 --> 0:23:46.159
<v Speaker 1>and now it's more than feasible it's going to happen.

0:23:46.240 --> 0:23:50.520
<v Speaker 1>Is that I've been saying for since December twenty eighteen,

0:23:50.720 --> 0:23:53.000
<v Speaker 1>My team and I set forth what we call our

0:23:53.040 --> 0:23:57.679
<v Speaker 1>big Audacious goals, and the one of them was to

0:23:57.720 --> 0:24:02.080
<v Speaker 1>get the the the team on average to six figures

0:24:02.119 --> 0:24:05.920
<v Speaker 1>a year, meaning that some of the team members that

0:24:06.320 --> 0:24:08.800
<v Speaker 1>like our lead team member might make or lead team

0:24:08.800 --> 0:24:12.680
<v Speaker 1>members might make two fifty and then maybe customer support

0:24:12.840 --> 0:24:15.560
<v Speaker 1>just coming in entry level team member might make twenty

0:24:15.600 --> 0:24:17.840
<v Speaker 1>five dollars an hour, which is about equivalents about twenty

0:24:17.880 --> 0:24:21.320
<v Speaker 1>five thousand dollars a year. So how do we get

0:24:21.480 --> 0:24:23.760
<v Speaker 1>that range? You know, like, what does that look like,

0:24:23.800 --> 0:24:25.720
<v Speaker 1>and how much does the companies? How much do the

0:24:25.720 --> 0:24:27.800
<v Speaker 1>companies have to make? And I was talking to my

0:24:27.880 --> 0:24:31.160
<v Speaker 1>CFO today, our new CFO. Shout out to Shanta, She's amazing,

0:24:31.280 --> 0:24:34.440
<v Speaker 1>and wasn't this going to be your boost? No, I'm

0:24:34.440 --> 0:24:35.320
<v Speaker 1>gonna do a different boost.

0:24:35.560 --> 0:24:38.399
<v Speaker 2>Okay, yeah, sorry interrupt, go ahead. I just wanted to

0:24:38.440 --> 0:24:40.320
<v Speaker 2>stop you in case because I'm like, we need to

0:24:40.320 --> 0:24:42.280
<v Speaker 2>do a whole segment. It needs to be a thing, Okay.

0:24:42.200 --> 0:24:46.200
<v Speaker 1>Yeah, And so I'm excited that, like cause I thought before,

0:24:46.320 --> 0:24:48.800
<v Speaker 1>like I would have to make like twenty million dollars

0:24:48.840 --> 0:24:51.119
<v Speaker 1>a year, which I think we'll get there, but I

0:24:51.119 --> 0:24:53.359
<v Speaker 1>don't know that by the end of this year. And

0:24:53.480 --> 0:24:55.200
<v Speaker 1>she was like, no, She's like, I've done the math,

0:24:55.280 --> 0:25:00.199
<v Speaker 1>and quite honestly, basically everyone would have to well just

0:25:00.200 --> 0:25:03.200
<v Speaker 1>give the number. So for I have three core companies,

0:25:03.240 --> 0:25:06.280
<v Speaker 1>it's the literature Academy which makes the most. The literature

0:25:06.280 --> 0:25:08.840
<v Speaker 1>Academy would have to make I think she said six

0:25:08.880 --> 0:25:13.080
<v Speaker 1>and a half million dollars. And so last year twenty nineteen,

0:25:13.119 --> 0:25:17.680
<v Speaker 1>we made like three point five so basically double, which

0:25:17.680 --> 0:25:21.080
<v Speaker 1>we've been doubling, so that's not crazy. I was like, Okay, great,

0:25:21.280 --> 0:25:24.679
<v Speaker 1>the Budgetista would have to make one point five million.

0:25:25.320 --> 0:25:28.160
<v Speaker 1>So the Budgeanesta I called the more poor neglected baby

0:25:28.160 --> 0:25:30.800
<v Speaker 1>in that the Budgetista is like Tiffany hitting your road.

0:25:30.800 --> 0:25:33.040
<v Speaker 1>It's like speaking, and so I don't do that as much.

0:25:33.040 --> 0:25:35.080
<v Speaker 1>So I think the Budgetiessa maybe pulled in I want

0:25:35.080 --> 0:25:38.320
<v Speaker 1>to say, seven hundred thousand last year of like speaking

0:25:38.400 --> 0:25:40.720
<v Speaker 1>in books and things like that. So us making one

0:25:40.720 --> 0:25:43.680
<v Speaker 1>point five is more than feasible, especially since molly Moore

0:25:43.760 --> 0:25:47.040
<v Speaker 1>is under the Budgetisa. So if molly Moore Justify itself

0:25:47.080 --> 0:25:50.320
<v Speaker 1>brings in seven figures and the Budgetista brings in half

0:25:50.320 --> 0:25:52.480
<v Speaker 1>a million, which would be less than we made in

0:25:52.480 --> 0:25:55.720
<v Speaker 1>twenty nineteen, will be more than on track. And then

0:25:55.800 --> 0:25:59.399
<v Speaker 1>my marketing company, which was super neglected, then marketing company

0:25:59.480 --> 0:26:02.159
<v Speaker 1>is just our turn on marketing company. Companies come to

0:26:02.240 --> 0:26:04.520
<v Speaker 1>us and say, hey, we see you love our thing,

0:26:04.760 --> 0:26:07.240
<v Speaker 1>share our thing, and we'll we'll pay you per person

0:26:07.280 --> 0:26:10.680
<v Speaker 1>that signs up. And so with that, that company was

0:26:10.680 --> 0:26:13.640
<v Speaker 1>actually in the negative because although we made I want

0:26:13.640 --> 0:26:15.320
<v Speaker 1>to say, maybe two hundred and fifty thousand or something

0:26:15.359 --> 0:26:19.680
<v Speaker 1>to that effect, but we spent more because of marketing itself,

0:26:19.800 --> 0:26:22.879
<v Speaker 1>like paying four ads and things, and then staff so

0:26:22.960 --> 0:26:24.440
<v Speaker 1>that company, I just said, if we can get to

0:26:24.480 --> 0:26:26.560
<v Speaker 1>a positive maybe like fifty or sixty thousand, I'll be

0:26:26.560 --> 0:26:28.760
<v Speaker 1>happy with that company because that company drives a lot

0:26:28.760 --> 0:26:31.080
<v Speaker 1>of the other things that we do, so on its own,

0:26:31.119 --> 0:26:33.399
<v Speaker 1>we don't look for it to be a big money maker.

0:26:33.760 --> 0:26:36.920
<v Speaker 1>But making six point five in one company and one

0:26:36.920 --> 0:26:39.640
<v Speaker 1>point five in another, that's more than feasible because it's,

0:26:39.680 --> 0:26:41.560
<v Speaker 1>like I said, we've already been doubling our income. So

0:26:41.640 --> 0:26:43.840
<v Speaker 1>if we're right in alignment and the goal when we

0:26:43.880 --> 0:26:48.040
<v Speaker 1>made the big audacious goals in twenty eighteen, the goal

0:26:48.560 --> 0:26:50.800
<v Speaker 1>was always by the end of twenty twenty to get

0:26:50.880 --> 0:26:55.080
<v Speaker 1>to that big goal of six figures per person, like

0:26:55.240 --> 0:26:57.760
<v Speaker 1>on average, depending on what role you have. So the

0:26:57.800 --> 0:27:00.480
<v Speaker 1>fact that we're like within range, I'm like yeah, because

0:27:01.200 --> 0:27:02.760
<v Speaker 1>I mean, I know the people who work for our team.

0:27:02.800 --> 0:27:04.960
<v Speaker 1>They don't work on our team for the money because

0:27:04.960 --> 0:27:07.560
<v Speaker 1>we don't. I don't pay what I call a competitive

0:27:07.640 --> 0:27:10.719
<v Speaker 1>salary yet because just because your company makes a lot

0:27:10.760 --> 0:27:14.040
<v Speaker 1>of money, there are a lot of expenses. And now

0:27:14.119 --> 0:27:17.119
<v Speaker 1>with this we can pay a competitive salary like what

0:27:17.200 --> 0:27:20.040
<v Speaker 1>you would make, maybe even more than what you would

0:27:20.080 --> 0:27:22.120
<v Speaker 1>make at like if you were to be working at

0:27:22.160 --> 0:27:24.399
<v Speaker 1>a similar company, and so I can't wait by the

0:27:24.480 --> 0:27:25.639
<v Speaker 1>end of the year to be able to get my

0:27:25.720 --> 0:27:29.360
<v Speaker 1>team to that because they are amazing. They deserve and

0:27:29.680 --> 0:27:32.640
<v Speaker 1>I want them, you know, like I know they're here

0:27:32.640 --> 0:27:34.600
<v Speaker 1>for the love, but I want them to know that,

0:27:34.960 --> 0:27:37.320
<v Speaker 1>you know, like if you go someplace else, you would

0:27:37.320 --> 0:27:38.760
<v Speaker 1>still be making the same kind of money and they

0:27:38.760 --> 0:27:41.000
<v Speaker 1>won't even love you as much as I do. So

0:27:41.080 --> 0:27:43.200
<v Speaker 1>I'm excited about that. Like that's my big, big, big

0:27:43.240 --> 0:27:47.359
<v Speaker 1>push for twenty twenty. Business is woof child. It's just

0:27:47.359 --> 0:27:49.240
<v Speaker 1>just when you're just like you think you figured it out,

0:27:49.280 --> 0:27:52.480
<v Speaker 1>You're like what now. Some months you're just like what

0:27:52.800 --> 0:27:55.040
<v Speaker 1>we did what? Other months you're like, oh my god,

0:27:55.720 --> 0:27:58.200
<v Speaker 1>Like we have a loss a lot. I didn't know.

0:27:58.240 --> 0:28:00.359
<v Speaker 1>I was like what the marketing company didn't make no money?

0:28:00.480 --> 0:28:02.199
<v Speaker 1>Yes we did. They're like, you spent more than you mean.

0:28:02.280 --> 0:28:06.040
<v Speaker 2>I'm like, ah, so Well, for those of you who

0:28:06.359 --> 0:28:08.080
<v Speaker 2>listened to one of our I think one of our

0:28:08.080 --> 0:28:10.040
<v Speaker 2>best shows of the year was one of our last shows.

0:28:10.040 --> 0:28:12.399
<v Speaker 2>That was actually our last real new show of the

0:28:12.440 --> 0:28:15.360
<v Speaker 2>year was you know, we talked with Tiffany in November

0:28:15.359 --> 0:28:17.520
<v Speaker 2>and if you guys want to go back, it's episode

0:28:17.560 --> 0:28:20.679
<v Speaker 2>one ninety eight. Check it out. I interviewed Tiffany about

0:28:20.720 --> 0:28:23.600
<v Speaker 2>basically how did she start the budget needs to the real,

0:28:24.000 --> 0:28:26.320
<v Speaker 2>the real, real story, and when did she start making

0:28:26.320 --> 0:28:28.320
<v Speaker 2>money and how did she start making money? And I

0:28:28.359 --> 0:28:30.560
<v Speaker 2>mean those early days when you were making fifty bucks

0:28:30.600 --> 0:28:35.199
<v Speaker 2>a pop for at home financial budgeting sessions and so

0:28:35.560 --> 0:28:37.840
<v Speaker 2>you know, now you're like employing how many staff? Like

0:28:37.880 --> 0:28:40.000
<v Speaker 2>your business is? How has grown so much? I mean

0:28:40.000 --> 0:28:42.600
<v Speaker 2>it's it was long.

0:28:43.120 --> 0:28:45.040
<v Speaker 1>It has been. It's been ten years of a long journey.

0:28:45.080 --> 0:28:47.240
<v Speaker 1>Don't let these people fool you. That. Don't get me wrong.

0:28:47.280 --> 0:28:49.640
<v Speaker 1>There are definitely people who are like, boom, you're one

0:28:49.680 --> 0:28:53.080
<v Speaker 1>year two, they're making a million or or whatever. But

0:28:53.120 --> 0:28:55.600
<v Speaker 1>that's just not the average story, you know, And it's okay.

0:28:55.640 --> 0:28:57.160
<v Speaker 1>It doesn't have to be the average story. It's like

0:28:57.200 --> 0:29:00.240
<v Speaker 1>someone losing twenty pounds in two weeks. Some people that,

0:29:00.280 --> 0:29:02.400
<v Speaker 1>but most people are literally losing a half a pound

0:29:02.440 --> 0:29:05.320
<v Speaker 1>to a pound a week, which is normal. And so

0:29:05.440 --> 0:29:08.240
<v Speaker 1>I just want to normalize the process that it's good.

0:29:08.320 --> 0:29:11.000
<v Speaker 1>It's hard, but it's possible, but it's typically not going

0:29:11.080 --> 0:29:13.480
<v Speaker 1>to take you. Like, for example, this is what somebody

0:29:13.520 --> 0:29:16.240
<v Speaker 1>will say, Molly Moore is likely to make a million

0:29:16.240 --> 0:29:19.080
<v Speaker 1>dollars its first year out. So the deceptive me will say,

0:29:19.880 --> 0:29:21.760
<v Speaker 1>I wouldn't do this, But this is what somebody would say,

0:29:21.840 --> 0:29:24.520
<v Speaker 1>Oh my god, my business made a million dollars its

0:29:24.560 --> 0:29:27.080
<v Speaker 1>first year. But you and I both know that Molly

0:29:27.160 --> 0:29:29.520
<v Speaker 1>Moore is only going to make that million dollars first

0:29:29.600 --> 0:29:32.760
<v Speaker 1>year because a ton of years of the budgetese. And

0:29:32.840 --> 0:29:36.120
<v Speaker 1>so it looks like, oh, this new venture on its

0:29:36.160 --> 0:29:38.800
<v Speaker 1>own is making this money, but that's not really true.

0:29:38.920 --> 0:29:41.440
<v Speaker 1>It's all of these years of work that led to

0:29:41.480 --> 0:29:43.760
<v Speaker 1>the ability of this company to make this amount of

0:29:43.800 --> 0:29:46.280
<v Speaker 1>money in its first year. And so that's what you're

0:29:46.280 --> 0:29:48.360
<v Speaker 1>not seeing oftentimes in some of these people who are

0:29:48.840 --> 0:29:51.400
<v Speaker 1>sharing that something that they created is making a ton

0:29:51.440 --> 0:29:54.240
<v Speaker 1>of money right away. But yeah, because they've also they've

0:29:54.240 --> 0:29:58.240
<v Speaker 1>had previous businesses or previous work that'll set them up

0:29:58.280 --> 0:30:00.960
<v Speaker 1>for that success. So and year starts now if you

0:30:01.000 --> 0:30:02.840
<v Speaker 1>haven't started already, So get to it.

0:30:03.360 --> 0:30:05.520
<v Speaker 2>Yeah, And I mean it's the tip of the iceberg situation, right,

0:30:06.040 --> 0:30:08.600
<v Speaker 2>m hmm, amazing. Oh, twenty twenty is gonna be the year.

0:30:09.080 --> 0:30:11.040
<v Speaker 2>All right, guys, be back in just a minute. We'll

0:30:11.080 --> 0:30:14.960
<v Speaker 2>take your first questions of twenty twenty. Be right back.

0:30:47.400 --> 0:30:50.560
<v Speaker 1>So it's question time. I don't have my normal usk

0:30:50.600 --> 0:30:52.520
<v Speaker 1>your question, so I'm gonna find a new song that

0:30:52.600 --> 0:30:54.240
<v Speaker 1>has more questions in it so I can annoy you

0:30:54.240 --> 0:30:57.720
<v Speaker 1>guys with that song instead. So for now, if question time.

0:30:58.200 --> 0:31:00.280
<v Speaker 2>I love it, well, I hit up. I went old school.

0:31:00.320 --> 0:31:03.120
<v Speaker 2>You guys, check my email inbox because we had a

0:31:03.160 --> 0:31:05.840
<v Speaker 2>ton of questions coming over the holiday. You guys were

0:31:05.880 --> 0:31:09.400
<v Speaker 2>busy thinking about your finances in twenty twenty, so let's see.

0:31:09.480 --> 0:31:11.760
<v Speaker 2>Let's remind folks, how do you send us a question?

0:31:12.240 --> 0:31:15.920
<v Speaker 2>Hit us up Brandambisson Podcast at gmail dot com, or

0:31:15.960 --> 0:31:18.760
<v Speaker 2>you can go to Instagram and find us at Brand

0:31:18.760 --> 0:31:22.240
<v Speaker 2>Ambition Podcast. On the gram, send us a DM there.

0:31:23.200 --> 0:31:26.080
<v Speaker 2>Be sure to keep your questions succinct. In the Gram.

0:31:26.120 --> 0:31:27.960
<v Speaker 2>It is very hard to scroll and scroll and scroll

0:31:28.000 --> 0:31:30.640
<v Speaker 2>and read and read and read. But I love that

0:31:30.680 --> 0:31:32.959
<v Speaker 2>you guys are sending us more questions there. Also, our

0:31:33.000 --> 0:31:35.160
<v Speaker 2>website is still around. You can go to Brandambisson podcast

0:31:35.240 --> 0:31:38.920
<v Speaker 2>dot com and click ask us anything all right. Our

0:31:38.960 --> 0:31:42.320
<v Speaker 2>first question of twenty twenty, No Pressure, comes from listener Anna,

0:31:42.520 --> 0:31:46.080
<v Speaker 2>who has a question about investing. Here's what she says

0:31:46.320 --> 0:31:50.560
<v Speaker 2>so far. Anna has thirty three thousand dollars in online savings,

0:31:50.920 --> 0:31:53.240
<v Speaker 2>ten thousand dollars she's saving for a car in the future,

0:31:53.360 --> 0:31:57.080
<v Speaker 2>fourteen thousand sheets earmarked for emergencies, eight and a half

0:31:57.120 --> 0:32:01.120
<v Speaker 2>for repairs, vacation and investing, and also one hundred and

0:32:01.120 --> 0:32:02.680
<v Speaker 2>thirty five Is she trying to make us jealous? One

0:32:02.760 --> 0:32:04.800
<v Speaker 2>hundred and thirty five thousand dollars in a four to

0:32:04.920 --> 0:32:08.160
<v Speaker 2>one K from my previous employer. Oh, and an additional

0:32:08.200 --> 0:32:10.200
<v Speaker 2>three K in eleves. So I'm sorry, Where are the

0:32:10.240 --> 0:32:14.520
<v Speaker 2>problems here, Missianna? She says? Obviously I'm a super saver,

0:32:14.720 --> 0:32:17.880
<v Speaker 2>but I need to invest. My question is do you

0:32:18.160 --> 0:32:20.760
<v Speaker 2>think Do you too think I'm covered with savings and

0:32:20.800 --> 0:32:23.719
<v Speaker 2>can start investing with money I will earn, or do

0:32:23.760 --> 0:32:25.680
<v Speaker 2>you think I should invest with some of the money

0:32:25.680 --> 0:32:28.680
<v Speaker 2>I've already saved. If the latter, where should I take

0:32:28.680 --> 0:32:31.800
<v Speaker 2>the money from? Please note I'm thirty nine years old

0:32:31.840 --> 0:32:34.640
<v Speaker 2>and married with a dual income of about eighty thousand

0:32:34.720 --> 0:32:38.560
<v Speaker 2>dollars annually. That's really impressive with that with a dual

0:32:38.600 --> 0:32:41.280
<v Speaker 2>income of eighty K. She's thirty nine years old and

0:32:41.320 --> 0:32:43.120
<v Speaker 2>has let me do the math real quick, thirty K

0:32:43.520 --> 0:32:46.680
<v Speaker 2>and online savings ten K, three three k. Oh that

0:32:46.720 --> 0:32:50.520
<v Speaker 2>includes ten K and then fourteen about one hundred and

0:32:50.560 --> 0:32:54.120
<v Speaker 2>seventy thousand dollars she's managed to save. That is fantastic.

0:32:54.240 --> 0:32:57.200
<v Speaker 2>So thirty three thousand dollars of that she's gotten like

0:32:57.240 --> 0:33:00.960
<v Speaker 2>a regular bank account online make account in savings. Let's

0:33:01.000 --> 0:33:03.280
<v Speaker 2>just assume it's online. So she's earning like one percent

0:33:03.360 --> 0:33:05.600
<v Speaker 2>to be safe. And then she's got one hundred and

0:33:05.640 --> 0:33:07.440
<v Speaker 2>thirty five K and a four to one K for

0:33:07.600 --> 0:33:11.040
<v Speaker 2>my previous employer. So she wants to know basically, should

0:33:11.040 --> 0:33:14.040
<v Speaker 2>she start tapping into that thirty three K and investing

0:33:14.080 --> 0:33:16.000
<v Speaker 2>with that or should she just start investing with her

0:33:16.040 --> 0:33:19.280
<v Speaker 2>future earnings? And on top of that she does she's

0:33:19.360 --> 0:33:21.360
<v Speaker 2>dabbled a little bit. It sounds like she's got three

0:33:21.360 --> 0:33:24.600
<v Speaker 2>thousand dollars in ell OFST, which we've talked about l

0:33:24.640 --> 0:33:27.280
<v Speaker 2>of s before. It's it's one of these new kind

0:33:27.320 --> 0:33:31.760
<v Speaker 2>of robo advisor funds, but it targets women specifically.

0:33:32.080 --> 0:33:34.560
<v Speaker 1>Yeah, so it's I think I want to be clear

0:33:34.840 --> 0:33:35.760
<v Speaker 1>what was her name? Anna?

0:33:36.040 --> 0:33:36.760
<v Speaker 2>Anna? Yep?

0:33:37.000 --> 0:33:39.120
<v Speaker 1>So I wouldn't be clear Anna, Like you know your

0:33:39.120 --> 0:33:41.080
<v Speaker 1>money in elves and your money in your phone one K.

0:33:41.240 --> 0:33:44.959
<v Speaker 1>Sometimes people don't think about retirement as invested like invested funds.

0:33:45.000 --> 0:33:47.800
<v Speaker 1>Those are invested funds, so you know that. Just to

0:33:47.800 --> 0:33:50.000
<v Speaker 1>be clear, the only funds that are not invested from

0:33:50.000 --> 0:33:53.840
<v Speaker 1>what I could hear is the savings the thirty three thousand, yep, exactly,

0:33:54.200 --> 0:33:58.760
<v Speaker 1>you know. So I would challenge you to look holistically

0:33:58.880 --> 0:34:02.280
<v Speaker 1>at your finances because it sounds like to me that

0:34:02.400 --> 0:34:05.200
<v Speaker 1>you are already saving for retirement. If you're putting away

0:34:05.240 --> 0:34:09.480
<v Speaker 1>your prerequisite of like ten to fifteen percent towards retirement,

0:34:09.800 --> 0:34:12.000
<v Speaker 1>you don't necessarily have to boost that up, but it

0:34:12.000 --> 0:34:14.960
<v Speaker 1>sounds like you're kind of doing that already. I would

0:34:15.160 --> 0:34:18.959
<v Speaker 1>look to see am I insured enough to Mandy's point,

0:34:19.000 --> 0:34:21.759
<v Speaker 1>like earlier, I don't know if you have children, but

0:34:21.760 --> 0:34:23.160
<v Speaker 1>that was one of the things when I sat down

0:34:23.160 --> 0:34:27.520
<v Speaker 1>with my financial planner. She I was severely under insured

0:34:27.600 --> 0:34:29.799
<v Speaker 1>because I set my insurance when I was in my

0:34:29.880 --> 0:34:33.479
<v Speaker 1>twenties and I never kind of did anything else. She's like, girl,

0:34:33.480 --> 0:34:35.640
<v Speaker 1>you are not twenty two anymore. You need more insurance.

0:34:35.760 --> 0:34:39.080
<v Speaker 1>So one make sure that you have enough insurance. So

0:34:39.480 --> 0:34:43.320
<v Speaker 1>like homeowners insurance, if you have a home renter's insurance,

0:34:43.320 --> 0:34:46.080
<v Speaker 1>if you don't, do you have enough of insurance for

0:34:46.200 --> 0:34:50.480
<v Speaker 1>life insurance, so something happened to yourself or your spouse,

0:34:50.800 --> 0:34:53.320
<v Speaker 1>So really looking at your insurance, am I fully insured?

0:34:53.520 --> 0:34:57.640
<v Speaker 1>And then if you are not setting aside ten and

0:34:57.640 --> 0:34:59.520
<v Speaker 1>not honestly because you're a woman, I would say upwards

0:34:59.520 --> 0:35:02.640
<v Speaker 1>to fifteen percent away for retirement. You can start doing

0:35:02.640 --> 0:35:04.719
<v Speaker 1>that with some of that thirty three percent, because I

0:35:04.760 --> 0:35:06.520
<v Speaker 1>don't think I'm not sure what you do for a living.

0:35:06.920 --> 0:35:09.120
<v Speaker 1>You don't need more typically than more than three to

0:35:09.200 --> 0:35:13.680
<v Speaker 1>six months worth of expenses saved liquid like that as cash,

0:35:14.360 --> 0:35:18.319
<v Speaker 1>because you're really losing money when you're not investing money.

0:35:18.400 --> 0:35:20.680
<v Speaker 1>I think that's I wish people understood that more. I did.

0:35:20.760 --> 0:35:23.960
<v Speaker 1>Net First, that money in a savings account is literally

0:35:24.120 --> 0:35:29.080
<v Speaker 1>losing because if for every dollar they're giving you one cent,

0:35:29.840 --> 0:35:34.359
<v Speaker 1>but because of something called inflation, which means the devaluing

0:35:34.400 --> 0:35:36.520
<v Speaker 1>of money, that money can't do as much as it

0:35:36.640 --> 0:35:40.879
<v Speaker 1>used to. Every year, inflation is about three percent, so

0:35:41.120 --> 0:35:45.359
<v Speaker 1>for every dollar gaining one but losing three, so that

0:35:45.719 --> 0:35:48.040
<v Speaker 1>leads you at a two penny loss for every dollar

0:35:48.120 --> 0:35:49.880
<v Speaker 1>for that money you have saved. So that means that

0:35:49.960 --> 0:35:52.839
<v Speaker 1>yet thirty three thousand dollars, it's worth less and less

0:35:52.880 --> 0:35:54.920
<v Speaker 1>over time. So I don't want you to keep so

0:35:55.000 --> 0:35:56.640
<v Speaker 1>much money liquid, like I had to wag too much

0:35:56.640 --> 0:35:58.719
<v Speaker 1>money liquid and so.

0:35:59.160 --> 0:36:02.000
<v Speaker 2>Yeah, and just so of that thirty three K, she's

0:36:02.040 --> 0:36:04.279
<v Speaker 2>earmarking ten K for it to buy a car, So

0:36:04.480 --> 0:36:08.279
<v Speaker 2>buy a car cash. Fourteen K she's earmarked for those emergencies.

0:36:08.320 --> 0:36:10.040
<v Speaker 2>And she's got eight and a half thousand that she's

0:36:10.080 --> 0:36:13.000
<v Speaker 2>thinking of using for investing. But also it's kind of

0:36:13.000 --> 0:36:16.319
<v Speaker 2>her vacation fund. So with that eight and a half k,

0:36:16.440 --> 0:36:19.719
<v Speaker 2>I mean she's got it sounds like so yeah, it

0:36:19.760 --> 0:36:22.880
<v Speaker 2>sounds like she knows, Okay, I have too much in

0:36:22.920 --> 0:36:25.080
<v Speaker 2>my savings account. It's time to kind of break this up.

0:36:25.520 --> 0:36:26.640
<v Speaker 2>I don't know would you use it?

0:36:27.120 --> 0:36:28.399
<v Speaker 1>Would you take money? Yeah?

0:36:28.400 --> 0:36:30.160
<v Speaker 2>Would you take money out of that savings or would

0:36:30.160 --> 0:36:32.120
<v Speaker 2>you have her like heap three three k in the

0:36:32.160 --> 0:36:33.759
<v Speaker 2>bank because I was just doing some quick mass. So

0:36:33.800 --> 0:36:37.080
<v Speaker 2>she's got eighty thousand dollars of income, you know, combined

0:36:37.120 --> 0:36:40.719
<v Speaker 2>with her her husband or partner right now. So if

0:36:40.760 --> 0:36:44.160
<v Speaker 2>you're following that, you know, six months worth of income

0:36:44.400 --> 0:36:47.239
<v Speaker 2>kind of well six months worth of expenses. Yeah, I

0:36:47.280 --> 0:36:50.759
<v Speaker 2>mean fourteen K could be you know, plenty for emergencies,

0:36:50.800 --> 0:36:53.759
<v Speaker 2>and she could take that, you know, let's say break

0:36:53.800 --> 0:36:55.160
<v Speaker 2>off a piece of that eight and a half K

0:36:55.280 --> 0:36:57.920
<v Speaker 2>and save that for vacations and you know, have the

0:36:58.040 --> 0:37:01.800
<v Speaker 2>recurring savings to keep that fund did and I would

0:37:01.960 --> 0:37:03.600
<v Speaker 2>I feel like she has enough to just go ahead

0:37:03.640 --> 0:37:06.319
<v Speaker 2>and max out like an IRA. You know, the what

0:37:06.440 --> 0:37:08.839
<v Speaker 2>is the annual contribution in twenty twenty. I don't want

0:37:08.840 --> 0:37:11.280
<v Speaker 2>to mess it up. It's usually around like six thousand, right.

0:37:11.680 --> 0:37:13.319
<v Speaker 1>It was, Yeah, it was six So let's see what

0:37:13.320 --> 0:37:18.480
<v Speaker 1>it is because she's the max IRA contribution twenty twenty.

0:37:18.480 --> 0:37:20.680
<v Speaker 1>Because you're right, because every year it's different. It is

0:37:22.120 --> 0:37:25.480
<v Speaker 1>Oh well, it doesn't say oh you mean Roth.

0:37:25.320 --> 0:37:29.760
<v Speaker 2>Ira, Yeah Roth, Sorry, well no on Ira Roth whatever. Yeah,

0:37:29.920 --> 0:37:30.560
<v Speaker 2>I guess Roth.

0:37:32.120 --> 0:37:36.560
<v Speaker 1>It is six six thousand. Yep, it's still six thousand.

0:37:36.480 --> 0:37:38.440
<v Speaker 2>Okay, So I mean you could start and you can

0:37:38.440 --> 0:37:40.799
<v Speaker 2>take three thousand and get that half invested and then

0:37:41.200 --> 0:37:43.520
<v Speaker 2>you know, set up savings to max it out through

0:37:43.520 --> 0:37:46.399
<v Speaker 2>the end of the year. But that's a that's that's

0:37:46.400 --> 0:37:48.400
<v Speaker 2>an additional way to invest. But on top of that,

0:37:48.520 --> 0:37:50.480
<v Speaker 2>Tiffany said, you've got over one hundred thousand dollars in

0:37:50.520 --> 0:37:52.680
<v Speaker 2>your four to one K. Make sure that you're well

0:37:52.680 --> 0:37:55.040
<v Speaker 2>diversified in that you know your money is growing at

0:37:55.120 --> 0:37:58.000
<v Speaker 2>a at a at a rate that seems reasonable and

0:37:58.040 --> 0:38:00.640
<v Speaker 2>you're not I don't know what you're invested in obviously,

0:38:01.440 --> 0:38:04.200
<v Speaker 2>but you know, being thirty nine, you can still heavily

0:38:04.239 --> 0:38:07.040
<v Speaker 2>invest in stocks you have. You have a long time horizon.

0:38:07.239 --> 0:38:08.880
<v Speaker 2>So take a look at what you're investing in your

0:38:08.920 --> 0:38:11.160
<v Speaker 2>four to one K and make sure that it's diversified

0:38:11.200 --> 0:38:15.000
<v Speaker 2>properly for your age and your time horizon. And that

0:38:15.160 --> 0:38:18.040
<v Speaker 2>three K and l of us that's all well and good.

0:38:18.120 --> 0:38:21.040
<v Speaker 2>Maybe you want to take that, you know, and start

0:38:21.080 --> 0:38:22.799
<v Speaker 2>adding a little bit to that as well, but.

0:38:23.520 --> 0:38:25.440
<v Speaker 1>And look into target date fonds when it comes to

0:38:25.480 --> 0:38:27.480
<v Speaker 1>your because I feel like you should always invest for

0:38:27.480 --> 0:38:30.319
<v Speaker 1>in retirement. So I invest for in retirement, like like

0:38:30.680 --> 0:38:34.000
<v Speaker 1>fairly conservatively based upon like you know, my age, YadA, YadA.

0:38:34.120 --> 0:38:36.719
<v Speaker 1>So I invest I think about twenty percent because I'm

0:38:36.760 --> 0:38:40.920
<v Speaker 1>an entrepreneur, and then anything above that then I have Angelie,

0:38:40.960 --> 0:38:44.200
<v Speaker 1>my financial planner, invest for wealth. And so investing for

0:38:44.280 --> 0:38:46.080
<v Speaker 1>wealth is we're a little bit more aggressive than I

0:38:46.120 --> 0:38:50.080
<v Speaker 1>would because I'm forty, right, So that means like, okay,

0:38:50.160 --> 0:38:53.440
<v Speaker 1>retirement is taken care of, and God forbid, this wealth

0:38:53.440 --> 0:38:55.560
<v Speaker 1>invested doesn't work out. I'm not going to eat cat

0:38:55.560 --> 0:38:58.920
<v Speaker 1>food because I've invested for retirement. So I would consider

0:38:59.000 --> 0:39:01.200
<v Speaker 1>like looking into like what does investing for wealth and

0:39:01.280 --> 0:39:03.200
<v Speaker 1>what it might look like. You know, maybe that's a

0:39:03.239 --> 0:39:05.680
<v Speaker 1>target date fund, and you can do target date funds

0:39:05.680 --> 0:39:09.040
<v Speaker 1>through your through like a raw iiray. That's just you

0:39:09.080 --> 0:39:11.120
<v Speaker 1>pick a date that you're gonna want to take this

0:39:11.239 --> 0:39:13.440
<v Speaker 1>money out, and it kind of balances itself for you

0:39:13.520 --> 0:39:17.200
<v Speaker 1>every year versus how much money it has invested in,

0:39:17.280 --> 0:39:20.279
<v Speaker 1>like a more conservative vehicle like bonds or a more

0:39:20.280 --> 0:39:23.280
<v Speaker 1>aggressive vehicle like stocks, And every year you get closer

0:39:23.320 --> 0:39:27.239
<v Speaker 1>to the target date, your investments become more and more conservative,

0:39:27.280 --> 0:39:29.560
<v Speaker 1>so you can preserve the capital the money that you

0:39:29.600 --> 0:39:32.640
<v Speaker 1>put in. So yeah, I think you're in a good spot.

0:39:32.760 --> 0:39:34.480
<v Speaker 1>I just do not like to be from that eight.

0:39:34.560 --> 0:39:37.279
<v Speaker 1>You probably have a good because vacation shouldn't cost more

0:39:37.320 --> 0:39:40.360
<v Speaker 1>than like two thousand dollars. You probably have a good

0:39:40.480 --> 0:39:44.440
<v Speaker 1>six thousand. To Mandy's point, just open up a raw

0:39:44.520 --> 0:39:48.040
<v Speaker 1>ira and throw it in there, or add to where

0:39:48.080 --> 0:39:51.040
<v Speaker 1>you have laves or maybe I don't know that I

0:39:51.040 --> 0:39:54.640
<v Speaker 1>would just be investing in loose stocks. You have not

0:39:54.719 --> 0:39:57.440
<v Speaker 1>done that before, but definitely putting it. It sounds like

0:39:57.480 --> 0:39:59.880
<v Speaker 1>to me, putting six thousand dollars toward investing in some

0:40:00.520 --> 0:40:01.760
<v Speaker 1>is a good idea.

0:40:01.960 --> 0:40:04.879
<v Speaker 2>Yeah, all right, Anna, thank you very much for your question.

0:40:04.960 --> 0:40:08.480
<v Speaker 2>Let's keep this financial advice theme going. And just as

0:40:08.520 --> 0:40:11.520
<v Speaker 2>a reminder, of course, Tiffany and I are not investment advisors.

0:40:11.560 --> 0:40:14.319
<v Speaker 2>We're not professional financial planners, so you know, consult your

0:40:14.320 --> 0:40:17.279
<v Speaker 2>own experts for expertise, for just telling you what we

0:40:17.360 --> 0:40:20.160
<v Speaker 2>might do based on our shared experience and what little

0:40:20.200 --> 0:40:22.800
<v Speaker 2>details you guys share with us. So hopefully we got.

0:40:23.120 --> 0:40:29.040
<v Speaker 1>Sue your mama, not us with your mama's some anybody else,

0:40:29.080 --> 0:40:31.239
<v Speaker 1>anybody but else, anybody but us.

0:40:32.000 --> 0:40:35.440
<v Speaker 2>All right, let's take a question from listener. Am I

0:40:35.480 --> 0:40:36.719
<v Speaker 2>gonna pronounce this right?

0:40:37.400 --> 0:40:37.600
<v Speaker 1>Is it?

0:40:37.640 --> 0:40:39.440
<v Speaker 2>Shun oh? Anonymous?

0:40:39.480 --> 0:40:39.760
<v Speaker 1>Okay?

0:40:40.920 --> 0:40:43.880
<v Speaker 2>Anonymous listener? She says, I have I'm assuming it's a she.

0:40:43.960 --> 0:40:46.120
<v Speaker 2>I'm a new listener and have really enjoyed catching up

0:40:46.120 --> 0:40:49.160
<v Speaker 2>on your show. Thank you for all your do. My family,

0:40:49.400 --> 0:40:51.680
<v Speaker 2>my husband and we have a toddler, and I have

0:40:51.719 --> 0:40:53.440
<v Speaker 2>had a lot of change in the past year. We

0:40:53.480 --> 0:40:57.160
<v Speaker 2>moved from Phoenix to North Carolina. Everybody's moving to North Carolina.

0:40:57.840 --> 0:41:00.160
<v Speaker 2>We have new jobs, a new house, and I was

0:41:00.200 --> 0:41:02.920
<v Speaker 2>recently laid off from my job earlier this year, I

0:41:03.040 --> 0:41:05.839
<v Speaker 2>was working. I was without work for six months and

0:41:05.880 --> 0:41:08.520
<v Speaker 2>thankfully I just found a new job. But we're now

0:41:08.560 --> 0:41:11.200
<v Speaker 2>feeling the effects of the financial hit we took this summer,

0:41:11.680 --> 0:41:13.319
<v Speaker 2>and we're thinking we'd like to start working with a

0:41:13.320 --> 0:41:16.719
<v Speaker 2>financial planner, especially before we start on baby number two.

0:41:17.360 --> 0:41:20.720
<v Speaker 2>Do you two use a fee or no fee financial planner?

0:41:21.120 --> 0:41:26.280
<v Speaker 2>And why? Great question. That's a huge, huge year plus

0:41:26.280 --> 0:41:28.880
<v Speaker 2>a job lost. My god, so I mean, congrats for

0:41:29.560 --> 0:41:31.560
<v Speaker 2>coming through it, and I'm glad that you finally have

0:41:31.600 --> 0:41:34.080
<v Speaker 2>a new job and oh my god, baby number two.

0:41:34.880 --> 0:41:39.920
<v Speaker 2>So I personally have fee or no fee financial planner.

0:41:39.960 --> 0:41:42.440
<v Speaker 2>There's not really a thing as a no fee financial planner,

0:41:43.239 --> 0:41:46.920
<v Speaker 2>but there yeah, but there's fee based and fee only,

0:41:47.280 --> 0:41:49.759
<v Speaker 2>so there's planners. It's basically the difference is how they

0:41:49.840 --> 0:41:52.200
<v Speaker 2>charge their fee. So some planners, especially if they help

0:41:52.239 --> 0:41:55.920
<v Speaker 2>you invest, they might add an additional percentage, like and

0:41:56.000 --> 0:41:58.680
<v Speaker 2>take a little bit off your returns on the investments

0:41:58.680 --> 0:42:01.799
<v Speaker 2>that they that they that they recommend for you, they

0:42:01.840 --> 0:42:04.840
<v Speaker 2>put your savings and investments into. And then you have

0:42:04.880 --> 0:42:07.160
<v Speaker 2>some planners who will just charge you a flat fee

0:42:07.280 --> 0:42:10.040
<v Speaker 2>for every time you have a conversation with them, or

0:42:10.320 --> 0:42:12.560
<v Speaker 2>every time they make you know, put together a financial

0:42:12.600 --> 0:42:14.920
<v Speaker 2>plan for you. You know, there's some planners you can

0:42:15.080 --> 0:42:16.759
<v Speaker 2>just you can go to them and just say, you know,

0:42:16.840 --> 0:42:20.440
<v Speaker 2>I want a retirement plan, a financial plan, which is

0:42:20.480 --> 0:42:23.239
<v Speaker 2>usually what financial plans are. They're like a retirement plan,

0:42:23.760 --> 0:42:25.440
<v Speaker 2>and that can cost you know, I don't know a

0:42:25.520 --> 0:42:27.720
<v Speaker 2>thousand bucks, tweve hundred dollars. It depends on the planner.

0:42:27.760 --> 0:42:30.120
<v Speaker 2>You just pay one fee and that's it. If you

0:42:30.160 --> 0:42:33.360
<v Speaker 2>want ongoing investment advice, you're probably looking at someone you

0:42:33.160 --> 0:42:35.719
<v Speaker 2>may take a little bit of a percentage of your returns,

0:42:35.920 --> 0:42:39.640
<v Speaker 2>or somebody who just charges again a flat fee for

0:42:39.800 --> 0:42:44.560
<v Speaker 2>their for their services. I don't have anyone managing my investments,

0:42:44.640 --> 0:42:48.320
<v Speaker 2>so I've always just used a fee only financial planner.

0:42:48.440 --> 0:42:51.160
<v Speaker 2>And basically the way that it works is every time

0:42:51.239 --> 0:42:53.759
<v Speaker 2>we schedule a call with this planner, she charges us

0:42:53.800 --> 0:42:56.280
<v Speaker 2>a flat fee. For me, it's been about two hundred

0:42:56.320 --> 0:42:59.960
<v Speaker 2>dollars depending on the contents of the call and how

0:43:00.080 --> 0:43:03.600
<v Speaker 2>much we're going to cover, and you know how much

0:43:03.600 --> 0:43:06.239
<v Speaker 2>she's going to do for us. And that's works for

0:43:06.320 --> 0:43:08.440
<v Speaker 2>me because I don't need and we don't meet we

0:43:08.480 --> 0:43:10.359
<v Speaker 2>meet when we want to meet, so honestly, I think

0:43:10.360 --> 0:43:12.399
<v Speaker 2>we have maybe three meetings last year. I haven't talked

0:43:12.400 --> 0:43:15.040
<v Speaker 2>to her in a while, is Helen right? Yeah, Helen.

0:43:15.120 --> 0:43:16.720
<v Speaker 2>We've interviewed Helen on the show before.

0:43:16.920 --> 0:43:17.760
<v Speaker 1>Yeah, that's awesome.

0:43:17.880 --> 0:43:19.480
<v Speaker 2>I just didn't want to quote her fee because I've

0:43:19.560 --> 0:43:21.120
<v Speaker 2>used her for a while now and I'm sure she's

0:43:21.120 --> 0:43:25.040
<v Speaker 2>more expensive as as everyone is raising their base and.

0:43:25.000 --> 0:43:27.359
<v Speaker 1>Also too, it all depends like what so, like I

0:43:27.400 --> 0:43:29.839
<v Speaker 1>when I was interviewing folks, I used to have the

0:43:29.880 --> 0:43:34.160
<v Speaker 1>fee base, which is I didn't have the money when

0:43:34.160 --> 0:43:36.280
<v Speaker 1>I first started off to pay anyone out of pocket,

0:43:36.400 --> 0:43:39.000
<v Speaker 1>so I didn't really pay out of pocket. Well, sometimes

0:43:39.040 --> 0:43:40.880
<v Speaker 1>you could pay out of the pocket for the initial

0:43:41.360 --> 0:43:45.479
<v Speaker 1>plan and that's sometimes around like a thousand of twelve

0:43:45.520 --> 0:43:47.440
<v Speaker 1>hundred dollars with the initial plan, but then I didn't

0:43:47.440 --> 0:43:50.160
<v Speaker 1>pay like for the quarterly meeting or anything like that.

0:43:50.200 --> 0:43:54.319
<v Speaker 1>They were my original financial planners were getting paid percentage

0:43:54.360 --> 0:43:59.000
<v Speaker 1>of my portfolio. But then I once I had enough

0:43:59.040 --> 0:44:03.160
<v Speaker 1>money to pay someone, I switched over to a fee

0:44:03.280 --> 0:44:05.720
<v Speaker 1>only and so now I have Angelie. So I interviewed

0:44:05.719 --> 0:44:09.279
<v Speaker 1>a ton of people and I interviewed so actually my

0:44:09.560 --> 0:44:12.320
<v Speaker 1>top three. It was Angelie, it was Helen. I interviewed

0:44:12.360 --> 0:44:14.880
<v Speaker 1>like twenty people Angelie, Helen, and another young woman that

0:44:14.960 --> 0:44:17.280
<v Speaker 1>were my top three, But I ended up choosing Angelie

0:44:17.280 --> 0:44:21.600
<v Speaker 1>because she specifically focused on people who had multiple businesses

0:44:22.080 --> 0:44:25.520
<v Speaker 1>and everyone else that wasn't like one of their core focuses,

0:44:26.719 --> 0:44:29.239
<v Speaker 1>And so I was looking for someone who, guess, is

0:44:29.280 --> 0:44:31.920
<v Speaker 1>going to help my husband and I as a couple.

0:44:31.960 --> 0:44:34.279
<v Speaker 1>But then also the fact that, like, Okay, Tiffany's got

0:44:34.320 --> 0:44:36.560
<v Speaker 1>three businesses and what does that look like? Because I

0:44:36.600 --> 0:44:38.880
<v Speaker 1>also too want to like be able to offer my

0:44:38.920 --> 0:44:41.959
<v Speaker 1>employees like benefits and things like that, and Angelie that's

0:44:42.000 --> 0:44:45.000
<v Speaker 1>something that she does as well. So you're wanting to

0:44:45.000 --> 0:44:47.799
<v Speaker 1>make sure that whoever you're choosing that you share kind

0:44:47.800 --> 0:44:51.680
<v Speaker 1>of like your holistic like financial life, because that way

0:44:51.680 --> 0:44:54.279
<v Speaker 1>they can understand, like, are you someone that I can help,

0:44:54.480 --> 0:44:56.840
<v Speaker 1>like if you're a teacher. There are literally financial planners

0:44:56.880 --> 0:45:00.160
<v Speaker 1>that I interviewed that focus on teachers, or some that

0:45:00.239 --> 0:45:03.280
<v Speaker 1>focused on doctors and lawyers. So there's a great number

0:45:03.280 --> 0:45:06.279
<v Speaker 1>out there. But I pay Angeline a lump some fee

0:45:06.280 --> 0:45:07.640
<v Speaker 1>because there's just so much going on that I had

0:45:07.640 --> 0:45:10.719
<v Speaker 1>to unpack. A lump sum fee for the year that

0:45:10.760 --> 0:45:13.880
<v Speaker 1>I pay that I pay monthly and we meet. In

0:45:13.960 --> 0:45:16.600
<v Speaker 1>the beginning, we were meeting like every month to get

0:45:16.640 --> 0:45:19.040
<v Speaker 1>like it took like, I want to say, five months

0:45:19.040 --> 0:45:21.239
<v Speaker 1>to get all the paperwork together. So me her and

0:45:21.280 --> 0:45:24.000
<v Speaker 1>my husband and her her admin we met every month

0:45:24.080 --> 0:45:26.839
<v Speaker 1>and and as things like slow down, we've probably will

0:45:26.880 --> 0:45:29.560
<v Speaker 1>still be meeting at least four or five, maybe even

0:45:29.600 --> 0:45:31.920
<v Speaker 1>six times this year because there's still a lot to unpack,

0:45:32.120 --> 0:45:35.799
<v Speaker 1>and then after that it'll settle into like quarterly. But yeah,

0:45:35.880 --> 0:45:37.400
<v Speaker 1>and it was not cheap. I mean, I don't know

0:45:37.400 --> 0:45:38.719
<v Speaker 1>if you guys want me to share them out. How

0:45:38.719 --> 0:45:39.920
<v Speaker 1>do you feel about that? I mean, I don't.

0:45:40.000 --> 0:45:43.520
<v Speaker 2>I always want the numbers. Tell us must you're comfortable

0:45:43.520 --> 0:45:44.680
<v Speaker 2>with it, I'm going for with it.

0:45:45.280 --> 0:45:46.680
<v Speaker 1>Yeah, well you know me, girl, I'll be tell all

0:45:46.719 --> 0:45:50.320
<v Speaker 1>my businesses. But it was it's but it's also I

0:45:50.360 --> 0:45:52.480
<v Speaker 1>can write this off because she's helping the business. It's

0:45:52.480 --> 0:45:56.160
<v Speaker 1>fifteen thousand dollars for the year. Now normally you'd be like,

0:45:56.239 --> 0:45:59.200
<v Speaker 1>no way, But because I can write it off, it's

0:45:59.200 --> 0:46:01.640
<v Speaker 1>a I spoke with I spoke with Angelie. It's a

0:46:01.680 --> 0:46:05.840
<v Speaker 1>business expense because a large part of what she's doing

0:46:06.360 --> 0:46:10.160
<v Speaker 1>so Angelie. I actually was just reading an email between her,

0:46:10.560 --> 0:46:13.680
<v Speaker 1>So Angelie's financial planner, Carlos, who's what I call my

0:46:13.719 --> 0:46:17.279
<v Speaker 1>big accountant, and Shanta, who is my CFO, my chief

0:46:17.280 --> 0:46:22.839
<v Speaker 1>financial officer. So they're constantly talking and making decisions financially

0:46:23.080 --> 0:46:25.880
<v Speaker 1>that benefit the company, myself all of that. So so

0:46:26.120 --> 0:46:28.239
<v Speaker 1>to me, I don't I'm not gonna lie. I don't

0:46:28.239 --> 0:46:29.480
<v Speaker 1>know that I would have jumped out the window for

0:46:29.520 --> 0:46:32.200
<v Speaker 1>fifteen thousand if it was Tiffany, just purely out of

0:46:32.239 --> 0:46:35.280
<v Speaker 1>my pocket, but because it was like a company expense

0:46:35.320 --> 0:46:38.000
<v Speaker 1>that the company can shoulder. But when I tell you

0:46:38.280 --> 0:46:41.840
<v Speaker 1>it's it's paid for itself time ten, I was really like,

0:46:41.880 --> 0:46:43.839
<v Speaker 1>what she was literally the most expensive at every time

0:46:43.920 --> 0:46:46.359
<v Speaker 1>I interviewed, she was the most expensive. But it has

0:46:46.400 --> 0:46:50.200
<v Speaker 1>paid for itself already. It's been an amazing experience.

0:46:50.239 --> 0:46:54.200
<v Speaker 2>So yeah, And that's a totally different kind of financial

0:46:54.239 --> 0:46:58.040
<v Speaker 2>planning than someone like, you know, someone who's just like,

0:46:58.080 --> 0:47:00.880
<v Speaker 2>oh me, my husband, my family. You know. It's just

0:47:00.960 --> 0:47:03.640
<v Speaker 2>it's like a business financial planning package. That's that's interesting.

0:47:03.920 --> 0:47:06.040
<v Speaker 2>I mean, And that sounds like, oh, it sounds reasonable.

0:47:06.800 --> 0:47:08.960
<v Speaker 2>Not having a business myself sounds reasonable to me.

0:47:09.719 --> 0:47:12.560
<v Speaker 1>Exact but yeah, but like looking for here's what I'll

0:47:12.560 --> 0:47:15.200
<v Speaker 1>say that as you look for a financial planner, the

0:47:15.239 --> 0:47:19.040
<v Speaker 1>thing that really helped or financial advisor. The difference between

0:47:19.040 --> 0:47:21.680
<v Speaker 1>a financial planner, they typically holistically left your life. Like

0:47:21.719 --> 0:47:23.920
<v Speaker 1>Angelie was gathering, like, girl, this insurance. Do you want

0:47:23.960 --> 0:47:26.319
<v Speaker 1>to leave them with nothing? I'm like no, So she's

0:47:26.360 --> 0:47:29.719
<v Speaker 1>looking at everything. And then typically a financial advisor is

0:47:29.760 --> 0:47:33.840
<v Speaker 1>really helping you specifically with like investments typically so like

0:47:33.880 --> 0:47:36.200
<v Speaker 1>and they're typically selling you things like you you know,

0:47:36.280 --> 0:47:39.200
<v Speaker 1>like my insurance. Like Angeley doesn't sell anything, so she

0:47:39.280 --> 0:47:42.000
<v Speaker 1>will advise that here's the kind of insurance that you

0:47:42.120 --> 0:47:45.160
<v Speaker 1>should should get. You want me to suggest some, but

0:47:45.200 --> 0:47:46.440
<v Speaker 1>you need to buy it and then come back to

0:47:46.480 --> 0:47:48.440
<v Speaker 1>me and show me that you purchased it. So Angelie

0:47:48.480 --> 0:47:51.840
<v Speaker 1>doesn't sell me anything. I've already purchased her advice. Not

0:47:52.200 --> 0:47:55.080
<v Speaker 1>a particular service, I mean, well, not a particular product,

0:47:55.600 --> 0:47:58.120
<v Speaker 1>which is like what financial advisors usually do. They usually

0:47:58.120 --> 0:48:01.000
<v Speaker 1>have like products to sell. But there's nothing wrong with that.

0:48:01.040 --> 0:48:03.640
<v Speaker 1>But the thing that really helped me was I created

0:48:03.640 --> 0:48:05.600
<v Speaker 1>this doc and honestly I'm gonna create Like I keep

0:48:05.600 --> 0:48:07.880
<v Speaker 1>saying this because everybody keeps asking I'm going to create

0:48:07.920 --> 0:48:10.719
<v Speaker 1>like a template of this doc that I created many

0:48:10.760 --> 0:48:13.360
<v Speaker 1>that was so great and that I put all of

0:48:13.360 --> 0:48:16.319
<v Speaker 1>our financial business on there. My husband and I'm like

0:48:16.680 --> 0:48:19.160
<v Speaker 1>our dreams, our goals, how much we make, how much

0:48:19.200 --> 0:48:21.560
<v Speaker 1>we have it, if we had any dat, you know, anything,

0:48:21.719 --> 0:48:24.520
<v Speaker 1>just everything. But I organized it. And that's what I

0:48:24.640 --> 0:48:28.800
<v Speaker 1>sent to potential financial planners and advisors that I was interviewing.

0:48:28.920 --> 0:48:31.400
<v Speaker 1>So somebody would say, I know I have someone Helen.

0:48:31.480 --> 0:48:34.840
<v Speaker 1>She's awesome. I would send Helen like a template email.

0:48:34.920 --> 0:48:37.600
<v Speaker 1>Hey Helen, my name is Tiffany, looking for a planner.

0:48:38.000 --> 0:48:41.160
<v Speaker 1>Here is the doc and like with like where I

0:48:41.200 --> 0:48:44.560
<v Speaker 1>currently am and where i'd like to be. If you

0:48:44.640 --> 0:48:47.680
<v Speaker 1>think that you can help, I would love to set

0:48:47.719 --> 0:48:50.160
<v Speaker 1>up an interview. And so I sent that and what

0:48:50.200 --> 0:48:53.719
<v Speaker 1>that did was it helped me to not leave things out,

0:48:53.800 --> 0:48:57.080
<v Speaker 1>because as you're interviewing financial planners and advisors, you're gonna

0:48:57.120 --> 0:48:58.719
<v Speaker 1>want to share kind of like where you are and

0:48:58.760 --> 0:49:00.800
<v Speaker 1>your goals. But I didn't. I always remember, oh, I

0:49:00.800 --> 0:49:02.360
<v Speaker 1>forgot to tell this one that I'm working on this,

0:49:02.440 --> 0:49:04.240
<v Speaker 1>and I forgot to tell that one that my husband

0:49:04.320 --> 0:49:06.480
<v Speaker 1>is doing that. So with that doc, it helped me

0:49:06.920 --> 0:49:09.840
<v Speaker 1>to be able to compare financial advisors apples to apples.

0:49:09.840 --> 0:49:12.640
<v Speaker 1>The most helpful thing and finding your financial planner advisor

0:49:12.880 --> 0:49:14.759
<v Speaker 1>for me anyway, was creating that kind of like all

0:49:14.880 --> 0:49:18.400
<v Speaker 1>money stock that I sent out to people and use

0:49:18.440 --> 0:49:19.839
<v Speaker 1>it as a stepping stone. So then when we got

0:49:19.840 --> 0:49:22.120
<v Speaker 1>on the phone, we were discussing the same thing, which

0:49:22.200 --> 0:49:24.880
<v Speaker 1>was this document, and like, yeah, you have to be

0:49:24.880 --> 0:49:26.759
<v Speaker 1>all the way on with your financial advisor, like the good,

0:49:26.800 --> 0:49:30.120
<v Speaker 1>the bad, the ugly, and yeah, I just found it

0:49:30.200 --> 0:49:32.279
<v Speaker 1>to be helpful. I am going to eventually, like I

0:49:32.280 --> 0:49:34.360
<v Speaker 1>want to create a template to so obviously my information

0:49:34.440 --> 0:49:36.760
<v Speaker 1>is not in there. I could pull out my numbers

0:49:36.760 --> 0:49:39.320
<v Speaker 1>that people can kind of use and put in their numbers.

0:49:39.360 --> 0:49:41.560
<v Speaker 1>So because people ask all the time, how do I

0:49:41.600 --> 0:49:44.080
<v Speaker 1>find a financial planner or advisor? And that was the

0:49:44.080 --> 0:49:46.959
<v Speaker 1>first time I did that, and cause I'd been looking

0:49:46.960 --> 0:49:49.160
<v Speaker 1>for one for five years and just failing miserably. Every

0:49:49.200 --> 0:49:50.799
<v Speaker 1>year I would have somebody and it wouldn't be a fit.

0:49:51.320 --> 0:49:53.640
<v Speaker 1>And now that doc helped me to find who I

0:49:53.680 --> 0:49:55.719
<v Speaker 1>have now and she's an amazing fit. And I really

0:49:55.719 --> 0:49:56.920
<v Speaker 1>credit it to that document.

0:49:57.440 --> 0:49:59.600
<v Speaker 2>Yeah, and I just found my financial planner through xy

0:49:59.680 --> 0:50:02.000
<v Speaker 2>Planning Network, which I think is still around, and there's

0:50:02.040 --> 0:50:05.160
<v Speaker 2>also the National Association of Personal Financial Planners they have

0:50:06.080 --> 0:50:09.520
<v Speaker 2>or sorry, national association is NAPFA National Association of Personal

0:50:09.560 --> 0:50:13.800
<v Speaker 2>Financial Advisors it might be, and they only have fee

0:50:13.800 --> 0:50:16.040
<v Speaker 2>based planners. And you can put in your zip code

0:50:16.200 --> 0:50:19.439
<v Speaker 2>and look around. Obviously, Like personal referrals are awesome too,

0:50:20.040 --> 0:50:22.120
<v Speaker 2>asking around to friends, asking around to people you seem

0:50:22.120 --> 0:50:24.120
<v Speaker 2>to have their lives together if they're using a planner.

0:50:24.719 --> 0:50:27.360
<v Speaker 2>And definitely interview We interviewed like four or five different people,

0:50:27.480 --> 0:50:29.719
<v Speaker 2>and you know, you want someone who's not going to

0:50:29.760 --> 0:50:31.520
<v Speaker 2>talk about money first, who's going to ask you what

0:50:31.560 --> 0:50:33.920
<v Speaker 2>your goals and your ambitions are, and you're you know

0:50:33.960 --> 0:50:37.279
<v Speaker 2>what you're looking for, like Tiffany said, before you even

0:50:37.320 --> 0:50:39.000
<v Speaker 2>sit down with someone. That's a really good sign you've

0:50:39.040 --> 0:50:45.200
<v Speaker 2>got someone with your you know, best interests at heart. Fabulous.

0:50:45.280 --> 0:50:47.960
<v Speaker 2>All right, thank you guys for your questions again. Brandimission

0:50:48.000 --> 0:50:50.120
<v Speaker 2>Podcast at gmail dot com, hit us up on the

0:50:50.280 --> 0:50:53.920
<v Speaker 2>gram at brand Ambission Podcast, or you can go to

0:50:53.960 --> 0:51:10.480
<v Speaker 2>our website Brand ambitionion podcast dot com.

0:51:13.719 --> 0:51:16.399
<v Speaker 1>This is Sisco. This is a Drew Hill song. Right,

0:51:16.760 --> 0:51:22.000
<v Speaker 1>are you gonna boost or are you gonna break? Because

0:51:22.040 --> 0:51:23.600
<v Speaker 1>I've got a boost.

0:51:23.719 --> 0:51:28.480
<v Speaker 2>Like that's so, that's a song sounds like you're constipated.

0:51:28.520 --> 0:51:31.359
<v Speaker 1>No, yes, no, it goes it's somebody sleeping in my bed.

0:51:31.520 --> 0:51:34.680
<v Speaker 1>Do you want hem? Or do you want me? Because

0:51:34.680 --> 0:51:38.160
<v Speaker 1>I want you? Some of y'all gonna be like, wow, Tiffany,

0:51:38.239 --> 0:51:43.240
<v Speaker 1>that need That melody is not quite what Cisco was singing,

0:51:43.280 --> 0:51:44.319
<v Speaker 1>but you know what I mean.

0:51:44.520 --> 0:51:45.279
<v Speaker 2>It's aggressive.

0:51:46.080 --> 0:51:47.080
<v Speaker 1>Are you gonna break?

0:51:47.360 --> 0:51:50.120
<v Speaker 2>I am going to I'm gonna keep it positive looking

0:51:50.120 --> 0:51:52.360
<v Speaker 2>at twenty twenty, I have a lot to boost, but

0:51:52.400 --> 0:51:54.480
<v Speaker 2>I wanted to. Obviously, for the last six weeks, I

0:51:54.520 --> 0:51:57.640
<v Speaker 2>have been tied to the house. I have not left

0:51:57.719 --> 0:52:00.120
<v Speaker 2>at all, and I have been all up on my

0:52:00.160 --> 0:52:02.440
<v Speaker 2>phone taking advantage of all of the apps and make

0:52:02.440 --> 0:52:05.120
<v Speaker 2>my life easier. So quick shout out to first and

0:52:05.160 --> 0:52:07.920
<v Speaker 2>foremost Whole Foods Delivery Service. If you guys, you know

0:52:07.960 --> 0:52:10.520
<v Speaker 2>you have Whole Foods in your area and they delivered

0:52:10.560 --> 0:52:13.160
<v Speaker 2>through Amazon Prime. I don't know how Amazon makes money,

0:52:13.160 --> 0:52:15.919
<v Speaker 2>but they still do free delivery and I can order.

0:52:15.960 --> 0:52:16.439
<v Speaker 1>I can get.

0:52:16.360 --> 0:52:20.520
<v Speaker 2>Groceries within two hours, two to five hours typically like

0:52:20.640 --> 0:52:23.239
<v Speaker 2>same day, and it has saved my butt in so

0:52:23.280 --> 0:52:25.640
<v Speaker 2>many different ways. And maybe Whole Foods is a little

0:52:25.640 --> 0:52:28.120
<v Speaker 2>bit more expensive to be honest, like, I never shopped

0:52:28.120 --> 0:52:31.200
<v Speaker 2>there before. They had this free shipping on Amazon, and

0:52:31.239 --> 0:52:33.200
<v Speaker 2>it was so easy to shop online because it is

0:52:33.200 --> 0:52:34.919
<v Speaker 2>a little bit more expensive. And I'm a Trader Joe's

0:52:35.000 --> 0:52:37.480
<v Speaker 2>kind of girl. But Trader Joe's does not deliver, and

0:52:37.520 --> 0:52:39.759
<v Speaker 2>I don't have time, nor can I even leave the

0:52:39.760 --> 0:52:42.239
<v Speaker 2>house for longer than a couple hours. So shout out

0:52:42.239 --> 0:52:45.840
<v Speaker 2>to Whole Foods Delivery. Shout out to Amazon Prime, and

0:52:45.920 --> 0:52:48.200
<v Speaker 2>I mentioned them earlier, but I mentioned I was shopping

0:52:48.200 --> 0:52:51.080
<v Speaker 2>for life insurance, and I'm using a few different websites

0:52:51.080 --> 0:52:53.080
<v Speaker 2>because of course you want to compare rates, so audits

0:52:53.120 --> 0:52:56.319
<v Speaker 2>do a quick extra shout out for websites where you

0:52:56.320 --> 0:52:58.840
<v Speaker 2>can compare not just life insurance, but other types of

0:52:58.840 --> 0:53:02.680
<v Speaker 2>insurance to like auto renters, insurance, et cetera. So the

0:53:02.719 --> 0:53:05.560
<v Speaker 2>sites that I've looked at are Value Penguin, Quote Wizard,

0:53:05.800 --> 0:53:09.960
<v Speaker 2>and Policy Genius, and I've kind of it's they're all

0:53:10.280 --> 0:53:12.719
<v Speaker 2>basically using the same format, so it's fun. It's nice

0:53:12.719 --> 0:53:14.319
<v Speaker 2>for me to kind of shop on all three and

0:53:14.360 --> 0:53:17.319
<v Speaker 2>see what they give me back. So shouts out to

0:53:17.480 --> 0:53:21.920
<v Speaker 2>anything that saves you time. And for any parents out there,

0:53:21.960 --> 0:53:24.200
<v Speaker 2>if you guys, have any tips on things that have

0:53:24.280 --> 0:53:27.440
<v Speaker 2>made your life easier and have automated your lives or

0:53:28.280 --> 0:53:31.120
<v Speaker 2>made it easier just to like function day to day.

0:53:31.200 --> 0:53:35.279
<v Speaker 2>I am open to all of your advice, all of

0:53:35.320 --> 0:53:38.640
<v Speaker 2>your tips and tricks. One thing that I've done is

0:53:38.680 --> 0:53:41.920
<v Speaker 2>meal prep my final boost. So my dad has been

0:53:41.920 --> 0:53:44.040
<v Speaker 2>in town this weekend, so I took advantage. I made

0:53:44.080 --> 0:53:46.560
<v Speaker 2>a crap ton of food for the week and I

0:53:46.680 --> 0:53:49.799
<v Speaker 2>ordered like Amazon sells these bulk kits of like you know,

0:53:50.000 --> 0:53:54.839
<v Speaker 2>divided BPA free plastic containers and like you know, three

0:53:54.880 --> 0:53:57.600
<v Speaker 2>divided sections, and I'm just like packing them because the

0:53:57.680 --> 0:54:00.840
<v Speaker 2>hardest thing is like even just bending over to microwaves

0:54:00.840 --> 0:54:03.160
<v Speaker 2>because our microwave is down low. I've realized, like just

0:54:03.200 --> 0:54:05.600
<v Speaker 2>bending over with a baby in mar is hard. So

0:54:05.760 --> 0:54:08.560
<v Speaker 2>I'm trying to make things as easy. So I am

0:54:08.600 --> 0:54:13.320
<v Speaker 2>actually like fed myself and taken care of so meal prep,

0:54:13.800 --> 0:54:17.200
<v Speaker 2>whole foods, delivery, you know, anything that I can do

0:54:17.320 --> 0:54:19.360
<v Speaker 2>to make the day to day a little bit easier.

0:54:19.400 --> 0:54:21.320
<v Speaker 2>And if you guys, like I said, have tips, holler

0:54:21.400 --> 0:54:21.640
<v Speaker 2>at me.

0:54:23.560 --> 0:54:25.200
<v Speaker 1>Yeah, I think that's got me. I always think, do

0:54:25.200 --> 0:54:27.120
<v Speaker 1>what do people do before you could like order everything?

0:54:27.680 --> 0:54:30.839
<v Speaker 2>Listen it's like it's a curse. The Internet has been

0:54:30.880 --> 0:54:33.120
<v Speaker 2>a curse in a God send through this entire six weeks.

0:54:33.200 --> 0:54:34.640
<v Speaker 2>Let me tell us that at three am, you can

0:54:34.640 --> 0:54:37.640
<v Speaker 2>really scare yourself into a frenzy thinking that either you're

0:54:37.680 --> 0:54:40.359
<v Speaker 2>gonna die or your baby. That bump on your baby's face,

0:54:40.400 --> 0:54:42.960
<v Speaker 2>it's like something that's you know, it's just yes. So

0:54:43.080 --> 0:54:44.839
<v Speaker 2>without the Internet, I think this will be a little

0:54:44.840 --> 0:54:46.279
<v Speaker 2>bit easier, but it also be a hell of a

0:54:46.320 --> 0:54:50.520
<v Speaker 2>lot harder. So blesting and curse, well.

0:54:50.400 --> 0:54:53.480
<v Speaker 1>I am going to booz. So I told myself I

0:54:53.480 --> 0:54:56.240
<v Speaker 1>was going to make like fitness and like, well this overall,

0:54:56.440 --> 0:54:58.800
<v Speaker 1>not like necessarily losing weight or whatever, although I could

0:54:59.200 --> 0:55:03.000
<v Speaker 1>stand to loose eighteen but I was gonna make that

0:55:03.040 --> 0:55:06.720
<v Speaker 1>like fitness to really be a priority for twenty twenty.

0:55:06.760 --> 0:55:09.920
<v Speaker 1>And how do I do that realistically for myself? And

0:55:11.040 --> 0:55:13.440
<v Speaker 1>I don't know. Out of the blue, like so Superman

0:55:13.560 --> 0:55:16.279
<v Speaker 1>has like he commandeered the full basement as his quote

0:55:16.320 --> 0:55:19.640
<v Speaker 1>unquote man cave. There's like an open section where like

0:55:19.840 --> 0:55:21.759
<v Speaker 1>we have the where which I guess it was like

0:55:21.760 --> 0:55:23.399
<v Speaker 1>the laundry room, but there's also like this big open

0:55:23.440 --> 0:55:25.439
<v Speaker 1>space and then there's a section behind a door which

0:55:25.480 --> 0:55:27.680
<v Speaker 1>is truly his man cave, and it's like where he

0:55:27.719 --> 0:55:30.240
<v Speaker 1>watches movies and YadA, YadA YadA. So the open section

0:55:31.120 --> 0:55:32.719
<v Speaker 1>like he's like, oh, this is my game room, but

0:55:32.880 --> 0:55:34.799
<v Speaker 1>there's nothing there but like one chair in the TV.

0:55:34.920 --> 0:55:37.480
<v Speaker 1>I'm like, this is nothing. So I asked him, in

0:55:37.520 --> 0:55:40.400
<v Speaker 1>my wifely way, hey, bo, can I have this section

0:55:40.920 --> 0:55:43.000
<v Speaker 1>and turn it into a I told him I wanted

0:55:43.000 --> 0:55:45.040
<v Speaker 1>to buy a treadmill and I was like, okay, I

0:55:45.080 --> 0:55:46.920
<v Speaker 1>guess I can bring it upstairs and he was like, no,

0:55:47.040 --> 0:55:49.000
<v Speaker 1>that's not gonna make sense on the hardware floors. I

0:55:49.080 --> 0:55:51.800
<v Speaker 1>knew that. I knew that, but I was waiting for

0:55:51.880 --> 0:55:53.719
<v Speaker 1>him to offer his basement and he was like, it

0:55:53.719 --> 0:55:55.720
<v Speaker 1>should go to basement. I'm like, you know what it should.

0:55:57.120 --> 0:56:00.400
<v Speaker 1>So that's exactly where it is. Slowly, shore I started

0:56:00.440 --> 0:56:03.360
<v Speaker 1>moving on in I got like, Matt, and.

0:56:03.640 --> 0:56:05.560
<v Speaker 2>Does he realize what he just gave up? Because wasn't

0:56:05.600 --> 0:56:07.080
<v Speaker 2>that you're going to go It wasn't that your bargaining

0:56:07.160 --> 0:56:09.080
<v Speaker 2>chip to get the designs that you wanted for the

0:56:09.120 --> 0:56:11.640
<v Speaker 2>house was that he got the man cave. And now

0:56:11.640 --> 0:56:14.960
<v Speaker 2>you're slowly this is this is a wife I know,

0:56:15.200 --> 0:56:16.239
<v Speaker 2>slowly taking it back.

0:56:17.360 --> 0:56:19.759
<v Speaker 1>I know, I'm like, and he's actually I thought that

0:56:19.800 --> 0:56:21.400
<v Speaker 1>he was going to be like pissed about it, but

0:56:21.560 --> 0:56:23.719
<v Speaker 1>actually because he realized, like I said, it's good that

0:56:23.760 --> 0:56:26.120
<v Speaker 1>this didn't happen in the beginning, but now that he's

0:56:26.120 --> 0:56:29.640
<v Speaker 1>seeing like how he actually uses the house, he realized, like, honestly,

0:56:29.640 --> 0:56:31.719
<v Speaker 1>he doesn't use the other side. It's just open. There

0:56:31.800 --> 0:56:34.319
<v Speaker 1>was nothing there. There was like some like two like

0:56:34.360 --> 0:56:37.279
<v Speaker 1>Ikia random ikea office chairs for my old office, and

0:56:37.320 --> 0:56:39.719
<v Speaker 1>he has a TV on the wall and like like

0:56:39.760 --> 0:56:41.640
<v Speaker 1>some of his console, like he's got like a PlayStation

0:56:41.719 --> 0:56:44.080
<v Speaker 1>or whatever. When I tell you, the only time he

0:56:44.120 --> 0:56:46.000
<v Speaker 1>plays games or when we have kids over and he's

0:56:46.000 --> 0:56:47.480
<v Speaker 1>showing them how to play games, so he's not really

0:56:47.520 --> 0:56:50.759
<v Speaker 1>a game person. In the room wasn't big enough for

0:56:50.880 --> 0:56:52.920
<v Speaker 1>a pool table, because with a pool table he's supposed

0:56:52.920 --> 0:56:54.719
<v Speaker 1>to have, like he really wanted to pool there, but

0:56:54.719 --> 0:56:56.799
<v Speaker 1>he's supposed to have like five feet around each side,

0:56:56.840 --> 0:56:58.440
<v Speaker 1>but it wasn't big enough for that, so it was

0:56:58.480 --> 0:57:02.440
<v Speaker 1>just basically empty. So now I've got a treadmill down there,

0:57:02.480 --> 0:57:05.239
<v Speaker 1>and I've got mats, and I was like, how do

0:57:05.320 --> 0:57:07.359
<v Speaker 1>I tell him I want to order more things? So

0:57:07.480 --> 0:57:08.839
<v Speaker 1>I just showed him like, I think we should get

0:57:08.840 --> 0:57:10.600
<v Speaker 1>this rower. Look how cool of this and he looked

0:57:10.600 --> 0:57:12.600
<v Speaker 1>at me like, oh, here we go. So I ordered it.

0:57:12.600 --> 0:57:13.400
<v Speaker 1>It's coming tomorrow.

0:57:14.080 --> 0:57:15.319
<v Speaker 2>You get a Peloton bike.

0:57:16.200 --> 0:57:17.400
<v Speaker 1>No that I know it been.

0:57:18.440 --> 0:57:20.960
<v Speaker 2>I know it's hella expensive, but I have been honestly

0:57:21.320 --> 0:57:23.200
<v Speaker 2>because there's no way I'm going to the gym anymore.

0:57:23.240 --> 0:57:25.000
<v Speaker 2>And I'm like, Peloton bike, you can put that in

0:57:25.040 --> 0:57:25.520
<v Speaker 2>a corner.

0:57:26.640 --> 0:57:28.280
<v Speaker 1>And now I was like, people kept telling me that,

0:57:28.280 --> 0:57:30.240
<v Speaker 1>but I said and not to say I would never,

0:57:30.760 --> 0:57:32.640
<v Speaker 1>but I figured, so I'll give you the breakdown of

0:57:32.640 --> 0:57:34.840
<v Speaker 1>the cost of everything I bought. So the it was

0:57:34.920 --> 0:57:37.520
<v Speaker 1>in total twelve hundred dollars, which I think is fair

0:57:37.560 --> 0:57:39.480
<v Speaker 1>because that's about two years worth of my gym membership.

0:57:39.480 --> 0:57:41.880
<v Speaker 1>I have a La La Fitness or one of these memberships.

0:57:41.920 --> 0:57:43.439
<v Speaker 1>And I did the math. It was two years worth

0:57:43.440 --> 0:57:44.959
<v Speaker 1>of memberships. But I wasn't used.

0:57:45.440 --> 0:57:46.960
<v Speaker 2>Is that like brand new equipment or did you go

0:57:47.000 --> 0:57:48.280
<v Speaker 2>on Craigslist or Facebook?

0:57:49.160 --> 0:57:52.520
<v Speaker 1>So I was like, so, yeah, the treadmill was five

0:57:52.640 --> 0:57:54.920
<v Speaker 1>ninety nine. It's an order track and it was like

0:57:54.960 --> 0:57:56.720
<v Speaker 1>I got it from Amazon. It was like five star reviews,

0:57:56.760 --> 0:58:00.640
<v Speaker 1>YadA YadA, YadA. I love it the rower. It's such

0:58:00.640 --> 0:58:03.000
<v Speaker 1>as a J jotto. I don't know, I'm not familiar,

0:58:03.160 --> 0:58:05.720
<v Speaker 1>but either way, that was five star reviews and I

0:58:05.720 --> 0:58:08.440
<v Speaker 1>haven't gotten it yet. It comes tomorrow. And the rower

0:58:08.680 --> 0:58:11.880
<v Speaker 1>was around three fifty, maybe like three fifty five three sixty.

0:58:13.000 --> 0:58:16.800
<v Speaker 1>And then I wanted this dip station because I don't

0:58:16.840 --> 0:58:18.880
<v Speaker 1>like doing abs on the floor because I'm the type

0:58:18.880 --> 0:58:20.440
<v Speaker 1>of person that's always pulling at my neck and I

0:58:20.440 --> 0:58:22.120
<v Speaker 1>don't know how to do them right. So there's a

0:58:22.160 --> 0:58:25.040
<v Speaker 1>dip station. It's like this thing where and I love

0:58:25.040 --> 0:58:26.760
<v Speaker 1>it at the gym. You put your back against it,

0:58:27.280 --> 0:58:29.520
<v Speaker 1>you put your elbows like kind of like in the

0:58:29.720 --> 0:58:32.200
<v Speaker 1>L position, and you're holding onto these like poll things

0:58:32.400 --> 0:58:34.560
<v Speaker 1>and you lift your feet up and then you could

0:58:34.560 --> 0:58:35.959
<v Speaker 1>also do pull ups and all that kind of stuff,

0:58:35.960 --> 0:58:37.800
<v Speaker 1>although I don't do all of that, but that's one

0:58:37.800 --> 0:58:39.800
<v Speaker 1>of my favorite machines. And then I also got like

0:58:39.840 --> 0:58:43.000
<v Speaker 1>some free weights, like for Christmas, I asked for like

0:58:43.040 --> 0:58:45.080
<v Speaker 1>a yoga mat and some like a jump rope and

0:58:45.120 --> 0:58:47.720
<v Speaker 1>free weights. So all together the dip station, I think

0:58:47.720 --> 0:58:50.440
<v Speaker 1>it was like one to fifty. So you figure one

0:58:50.520 --> 0:58:52.320
<v Speaker 1>hundred dollars for like the mats and the free weights.

0:58:52.360 --> 0:58:55.160
<v Speaker 1>And stuff like that. One fifty for the dip station,

0:58:55.360 --> 0:58:58.880
<v Speaker 1>three fifty for the rowing machine, and six hundred dollars

0:58:58.880 --> 0:59:01.800
<v Speaker 1>for the treadmill. It was twelve About twelve hundred dollars

0:59:01.920 --> 0:59:03.720
<v Speaker 1>is what the gym costs. And I did the math,

0:59:03.760 --> 0:59:05.680
<v Speaker 1>and I forget my membership. It was like maybe like

0:59:05.720 --> 0:59:09.880
<v Speaker 1>forty five bucks a month plus whatever La fitness, I

0:59:09.880 --> 0:59:12.640
<v Speaker 1>don't remember, but one of the fitness places they also

0:59:12.720 --> 0:59:15.560
<v Speaker 1>charged like one hundred dollars like annual random fee. So

0:59:15.640 --> 0:59:18.400
<v Speaker 1>after doing all the math, in two years, it's about

0:59:18.400 --> 0:59:21.560
<v Speaker 1>twelve eighty. It's what that membership costs me. So I

0:59:21.560 --> 0:59:24.520
<v Speaker 1>feel like having this home gym, and I've been going

0:59:24.520 --> 0:59:27.320
<v Speaker 1>every morning. I just I told myself twenty minutes on

0:59:27.360 --> 0:59:29.760
<v Speaker 1>the treadmill, like, just do that, twenty minutes on the

0:59:29.760 --> 0:59:31.960
<v Speaker 1>tread no stretch, that's it. And then I'll do that

0:59:32.000 --> 0:59:34.240
<v Speaker 1>for a week and I'll build on there. So I'm

0:59:34.280 --> 0:59:37.040
<v Speaker 1>excited because I'm like, I have this gym, it's right downstairs.

0:59:37.080 --> 0:59:40.480
<v Speaker 1>There's no excuses. Even if I miss a day or week,

0:59:40.680 --> 0:59:43.400
<v Speaker 1>I can easily get back because it's right downstairs. And

0:59:43.400 --> 0:59:46.240
<v Speaker 1>for me, it was an investment. Then I'm happy about.

0:59:46.320 --> 0:59:48.400
<v Speaker 1>So that is my boost. It's like, really, I really

0:59:48.440 --> 0:59:51.200
<v Speaker 1>want to invest in overall wellness. Yes, all I would

0:59:51.240 --> 0:59:53.960
<v Speaker 1>love to lose like ten to fifteen pounds, but ultimately

0:59:54.000 --> 0:59:56.040
<v Speaker 1>that's not even what it's about. I just feel like

0:59:56.320 --> 0:59:59.800
<v Speaker 1>I don't get enough movement, you know, like working from home,

1:00:00.080 --> 1:00:02.360
<v Speaker 1>sitting a lot, and so this is just a great

1:00:02.440 --> 1:00:04.720
<v Speaker 1>space because what I found is that like I'll watch

1:00:04.760 --> 1:00:06.840
<v Speaker 1>TV and I sometimes like it'll be thirty minutes and

1:00:06.880 --> 1:00:09.800
<v Speaker 1>I'm like, oh wow, because I've watched whatever. Or I'll

1:00:09.800 --> 1:00:13.160
<v Speaker 1>listen to a podcast. What I really love is that

1:00:13.200 --> 1:00:15.120
<v Speaker 1>when I wake up in the morning, I can look

1:00:15.160 --> 1:00:17.120
<v Speaker 1>totally crazy going downstairs, because at the gym you have

1:00:17.120 --> 1:00:20.200
<v Speaker 1>to look reasonably reasonable. But like literally I can have

1:00:20.400 --> 1:00:24.080
<v Speaker 1>like lime green sweatpants, you know, like a raggedy like

1:00:24.280 --> 1:00:26.760
<v Speaker 1>you know, a tank top with my sports bra, and

1:00:26.840 --> 1:00:28.280
<v Speaker 1>my hair could still be in a bonnet and I

1:00:28.320 --> 1:00:30.600
<v Speaker 1>could go work out and I keep my sneakers down there.

1:00:30.920 --> 1:00:34.200
<v Speaker 1>So there's no resistance to working out because I don't

1:00:34.280 --> 1:00:35.640
<v Speaker 1>have to leave, I don't have to get a car,

1:00:35.680 --> 1:00:36.960
<v Speaker 1>I don't have to warm up the car, I don't

1:00:37.000 --> 1:00:39.680
<v Speaker 1>have to look cute. I just go downstairs. So yay,

1:00:40.080 --> 1:00:42.560
<v Speaker 1>hopefully you will you know, I don't know. I'm really

1:00:42.560 --> 1:00:44.200
<v Speaker 1>happy about it. Like this morning, I was on the treadmill,

1:00:44.240 --> 1:00:46.720
<v Speaker 1>like look at you, Tiffany doing things.

1:00:46.920 --> 1:00:49.200
<v Speaker 2>I love the idea of a dip station, although I'm

1:00:49.240 --> 1:00:53.880
<v Speaker 2>thinking like case ideas like like guacamole, like some salsa

1:00:54.120 --> 1:00:59.320
<v Speaker 2>that's what's suspinis and artichoke dip stage. That's a whole

1:00:59.320 --> 1:01:02.160
<v Speaker 2>different kind of dip station. But oh that's great, good

1:01:02.200 --> 1:01:05.439
<v Speaker 2>for you. Just feel good And honestly, yeah, I don't

1:01:05.440 --> 1:01:07.960
<v Speaker 2>like putting pressure. I've we've all fallen into that trap.

1:01:08.000 --> 1:01:10.280
<v Speaker 2>The numbers, whether it's like I'm gonna save a million

1:01:10.360 --> 1:01:13.160
<v Speaker 2>dollars this year like probably you won't, or I'm gonna

1:01:13.160 --> 1:01:16.800
<v Speaker 2>lose one hundred pounds this year, like just one day

1:01:16.800 --> 1:01:18.120
<v Speaker 2>at a time. People yeah, say that.

1:01:18.160 --> 1:01:20.840
<v Speaker 1>Michael is just a I should move every day. That's it.

1:01:20.880 --> 1:01:23.080
<v Speaker 1>That's like, that's if I can do that, like whatever

1:01:23.120 --> 1:01:24.960
<v Speaker 1>movement looks like. I want to move every day. I

1:01:24.960 --> 1:01:26.560
<v Speaker 1>don't always feel like going for a walk. Although I

1:01:26.640 --> 1:01:28.880
<v Speaker 1>like walking, I don't always feel like it. So I'm like, well,

1:01:28.920 --> 1:01:30.760
<v Speaker 1>you have a treadmill downstairs, get on it. You're gonna

1:01:30.800 --> 1:01:32.440
<v Speaker 1>have a row or a row you know, you have

1:01:32.560 --> 1:01:35.280
<v Speaker 1>your mat to whatever stretch, Like, I want to get

1:01:35.280 --> 1:01:39.600
<v Speaker 1>in physical, purposeful physical activity every single day. And I

1:01:39.640 --> 1:01:40.960
<v Speaker 1>feel like if I do that, Like I look at

1:01:41.000 --> 1:01:42.480
<v Speaker 1>my dad. He doesn't go to the gym or anything.

1:01:42.480 --> 1:01:45.160
<v Speaker 1>He's seventy five, but since we were kids, he's always

1:01:45.200 --> 1:01:49.160
<v Speaker 1>done like like physical activity every day, whatever that might

1:01:49.200 --> 1:01:51.560
<v Speaker 1>look like. And you know he's seventy five and healthy

1:01:51.560 --> 1:01:54.040
<v Speaker 1>and strong. And I want that for myself. And that

1:01:54.040 --> 1:01:57.640
<v Speaker 1>comes from consistent effort, not these surges of effort, Like

1:01:57.680 --> 1:02:00.280
<v Speaker 1>that's not where real change is. Me changes me in

1:02:00.440 --> 1:02:04.560
<v Speaker 1>daily consistent effort, and typically it looks like small things.

1:02:04.720 --> 1:02:06.080
<v Speaker 1>So if you can do that, if I can commit

1:02:06.160 --> 1:02:09.960
<v Speaker 1>to ten twenty minutes of small effort, then like your

1:02:09.960 --> 1:02:12.320
<v Speaker 1>girl's gonna be good. Okay, you know what I'm saying.

1:02:13.160 --> 1:02:13.800
<v Speaker 1>I love it.

1:02:15.040 --> 1:02:16.920
<v Speaker 2>All right, we did it. We recorded a show. I

1:02:16.920 --> 1:02:19.520
<v Speaker 2>have a baby, and we did a show. We did

1:02:19.560 --> 1:02:22.240
<v Speaker 2>it not at our usual time, but we did it.

1:02:22.480 --> 1:02:25.000
<v Speaker 1>That's okay. You know, I'm blackible. I'm like maybe whatever

1:02:25.160 --> 1:02:26.920
<v Speaker 1>that I'll be use right.

1:02:26.960 --> 1:02:30.360
<v Speaker 2>I feel like we're co parenting this child, close scheduling.

1:02:30.520 --> 1:02:32.600
<v Speaker 2>All right, Well, thank you guys, against all the love,

1:02:33.160 --> 1:02:37.120
<v Speaker 2>and we will be back weekly. So wish us, wish

1:02:37.200 --> 1:02:39.720
<v Speaker 2>you all a happy and healthy new Year, and just

1:02:39.760 --> 1:02:40.440
<v Speaker 2>happy to be back