Speaker 1: Happy news, ye too. Oh no, no, happy new, ye too.
Speaker 1: I forgot we're brown happy new. Oh chah, I forgot.
Speaker 2: Call that a code Switts was quick.
Speaker 1: Oh my gosh, we have amazing news. I'm gonna let
Speaker 1: Mandy say it because.
Speaker 2: You know, numbers aren't always important, but we had one
Speaker 2: number in mind for twenty nineteen and that was one million.
Speaker 2: Because we have been dying to hit a million downloads
Speaker 2: in a year and this was our very first year,
Speaker 2: and you guys we did it over a million downloads
Speaker 2: in twenty nineteen and that is such a huge accomplishment.
Speaker 2: Our show is a little show that could you guys know.
Speaker 2: We've been doing it for four and a half years
Speaker 2: now and it has been entirely word of mouth. Tiffy
Speaker 2: and I are too busy to be doing any kind
Speaker 2: of investment in marketing like marketing and pushing our show,
Speaker 2: but you guys have been so supportive and we continue
Speaker 2: building our listenership and it's just it's beautiful. I love it,
Speaker 2: so thank you guys.
Speaker 1: A million woo, that's a million MILLI a million million,
Speaker 1: a million. Yeah, So honestly that that was awesome. When
Speaker 1: you told me, Mandy, I was like what so, yeah,
Speaker 1: thank you guys so much. You guys are awesome.
Speaker 2: I was sweating it. It was like nine hundred ninety
Speaker 2: seven thousand, six hundred and thirty four on like December
Speaker 2: twenty first, So I was like, Tiffany, can you share
Speaker 2: our show real quick? I'm afraid people will not be
Speaker 2: downloading over the holidays. But you guys came through huge,
Speaker 2: huge surge at the end of the year, so so excited.
Speaker 2: So can we do two milli in twenty twenty?
Speaker 1: I think so too, too? Yeah, I think so.
Speaker 2: I could have said twenty milli. But let's just you know,
Speaker 2: we talk about doable goals here, why not double it
Speaker 2: in twenty twenty exactly?
Speaker 1: Ah, so many things have tage. We have a baby baby.
Speaker 2: Our first Oh, thank you we have we finally have
Speaker 2: a brown ambition baby.
Speaker 1: Yes, oh, how's a baby.
Speaker 2: He is you know, a lot of work, that is
Speaker 2: what he is. He's adorable. He's adorable, he's very cute,
Speaker 2: he's very you know, ungrateful for all the work we do.
Speaker 2: I feel, I'm telling you, like the face that he
Speaker 2: gets at like two three, the crazy hours in the morning,
Speaker 2: just staring at me and sticking that damn tongue out
Speaker 2: like feed me, feed me woman. That will haunt me forever.
Speaker 1: But I don't tell you they don't get any less ungrateful,
Speaker 1: because just this morning a Superman and Supergirl were fussing.
Speaker 1: She's thirteen now, Uh the ungratefulness never stops because apparently
Speaker 1: we are we are here to accommodate her and all
Speaker 1: the things.
Speaker 2: Two weeks after Christmas, get out of here.
Speaker 1: I mean when I tell you, he was like, did
Speaker 1: you bush your teeth? She's like, I think that you're
Speaker 1: bothering me a little bit too early in the morning.
Speaker 1: He's at brush your teeth.
Speaker 2: She sounds like my husband.
Speaker 1: But uh so it doesn't. Yeah, it kise that will stop.
Speaker 1: You know kids. I don't think kids get grateful until
Speaker 1: they're like fully grown, so I can't.
Speaker 2: Well, I am definitely grateful for my family, who've you know,
Speaker 2: come and visited and it's been it's been a crazy
Speaker 2: So it's been six weeks since we had the baby.
Speaker 2: Thank you guys for all of your beautiful messages and
Speaker 2: all the love. His name is Rio Francisco if you
Speaker 2: haven't if you haven't heard, I really fought hard for that,
Speaker 2: for that name, and I hope. I don't regret it,
Speaker 2: but I still love it. I fought hard, listen, pushing
Speaker 2: that child out of mynother. I swear to god, it
Speaker 2: was the hardest thing I've ever done. And the last
Speaker 2: six weeks have been the hardest weeks of my entire life.
Speaker 2: But I am alive and we are surviving, and my
Speaker 2: husband's been amazing. We've had so much support from our family,
Speaker 2: and you know, I'm we're doing it. We're surviving, which
Speaker 2: is if anyone out there has a newborn. I've got
Speaker 2: some messages from people who have like four weeks old
Speaker 2: and eight week old babies, and it's it's crazy. But uh,
Speaker 2: I'm just I'm grateful that I'm alive and we're still
Speaker 2: doing the show. And I got a three hour nap today,
Speaker 2: so I.
Speaker 1: Feel like a new woman.
Speaker 2: A new woman. Yes, the things I can do with
Speaker 2: three to four hours of sleep, I have now realized,
Speaker 2: you know, I can. I can like pretty much save
Speaker 2: the world, is how I feel right now. Yeah, Grandpa,
Speaker 2: my dad's downstairs right now watching him, and things have
Speaker 2: been Yeah, I've got six more weeks. This is what's
Speaker 2: stressing me out. So Enrique went back to work today,
Speaker 2: Husban's back at work, So tomorrow if my dad goes back,
Speaker 2: I am on my own officially for the first time,
Speaker 2: so low through the whole day with the baby. So
Speaker 2: wish me luck. And I've got six to seven more
Speaker 2: weeks of matt leaves and if you guys have any
Speaker 2: I don't know. All I'm all I'm praying for is
Speaker 2: that by the end of the next six weeks he
Speaker 2: is like sleeping the night because I am stressed about well,
Speaker 2: not stressed because I'm trying not to stress too much
Speaker 2: and just enjoy, you know, these early days. But I
Speaker 2: just think, like, what is it going to be like
Speaker 2: these if I if I'm up every hour and a
Speaker 2: half through the night and then have to go back
Speaker 2: to work, Like what how does that? How does how
Speaker 2: do y'all do that? New moms? Like how does that work?
Speaker 1: Yeah? Please give Mandy some some some Yeah, I honestly
Speaker 1: don't know.
Speaker 2: Just tell me there's another side to this is how
Speaker 2: I feel. But uh yeah, So that was my entire
Speaker 2: holiday was just baby, baby, baby, So how baby have
Speaker 2: you been? What's looking good for you in twenty twenty.
Speaker 1: I've been good. Honestly, This was like probably one of
Speaker 1: the most chill holidays I had. It was our first
Speaker 1: Christmas in the new house, and yeah, it was really nice.
Speaker 1: I mean I went crazy decorating. I don't know if
Speaker 1: anybody saw my ig tours. Oh, I want to say what.
Speaker 1: I had a roof, Well, this was like a loile
Speaker 1: ago I had. I had a wreath on every single door.
Speaker 1: And according to super Girl, quote unquote, I'm doing too much,
Speaker 1: which is just enough if you ask me.
Speaker 2: We got to my Midwestern heritage. That is just enough.
Speaker 2: If not not enough, I.
Speaker 1: Know, but honestly, I just it was really nice because
Speaker 1: I didn't I didn't really do any work. It was
Speaker 1: nice hanging out family friends. Thanksgiving. My sister Karen, she's
Speaker 1: the oldest, and her baby Lily and her husband. They
Speaker 1: came down so it was the first time in years
Speaker 1: that all of us were together. So all the sisters,
Speaker 1: all the nieces and nephews, my mom and my dad,
Speaker 1: and then Superman's family we were all together for Thanksgiving,
Speaker 1: so that was super awesome. Honestly, it's been great and
Speaker 1: pretty chill, and we've been gearing up for my next
Speaker 1: new venture, which is my children's book, Molly Moore. It's
Speaker 1: finally literally done, done, done, and now we're just working
Speaker 1: on the marketing campaign to roll it out, so y'all
Speaker 1: should see Molly Moore in the early spring. But I
Speaker 1: honestly I've been really thinking about it. I'm gonna do
Speaker 1: a Kickstarter campaign for mollymore because one a few things
Speaker 1: I want to do. Because one, after doing some more
Speaker 1: research on like children and books, I realized that, like
Speaker 1: the statistics for children from low income communities and books
Speaker 1: is really bad. It's like sixty one percent do not
Speaker 1: have access to books, and not having access to books
Speaker 1: set you up for a very hard life. Because books
Speaker 1: are not just about literacy, it's about comprehension. It's about
Speaker 1: exploring your horizons. Books help with counting, books help with
Speaker 1: stem and so if you don't have books, you know,
Speaker 1: it just puts you in a really bad state. And
Speaker 1: I just thought, I want to continuously be able to
Speaker 1: use proceeds from the sale of Molly Moore, the first book,
Speaker 1: in any book that comes after, to provide books to
Speaker 1: communities with children from low income environments, because if you
Speaker 1: can start a home library, that could totally transform the
Speaker 1: trajectory of your life, even if your parents struggled, even
Speaker 1: your parents are in bad read high school or college
Speaker 1: or whatever, that having a home library can actually turn
Speaker 1: some of those statistics around. So yeah, so I'm excited.
Speaker 1: Plus two, I think, yeah, it's goodhead.
Speaker 2: No, I just I love I'm just the idea. I
Speaker 2: almost I keep thinking about that girl. She's from Jersey,
Speaker 2: Marley Diaz, who started that thousand what was it, well
Speaker 2: read Black Girls.
Speaker 1: Or it's a thousand Black Girl books. Yeah, exactly. Janicis
Speaker 1: as a friend of mine used to her Janie. Her
Speaker 1: mom has a nonprofit that I when I first was
Speaker 1: starting a bunch ofista, I used to volunteer for that
Speaker 1: nonprofit all the time. So I'm like, yeah, I know them. Well,
Speaker 1: they love two towns over.
Speaker 2: Okay, Well, if you're need a social media influencer Marley's
Speaker 2: I'm just saying I'm saying some synergies here, or she could, like,
Speaker 2: you know, be the voice of Molly Moore the audiobook.
Speaker 2: I don't know. This is I'm excited. I can't wait.
Speaker 2: I'm gonn add it to Rido's library.
Speaker 1: I just yeah, I'm I'm gonna send you. I'll send
Speaker 1: you a nice I send you a nice box. So
Speaker 1: I'm just honestly I'm excited because it's just a new
Speaker 1: venture and I just feel really good about it. Plus two,
Speaker 1: like high key, I'm really trying to make sure that
Speaker 1: your kids have financial education in their life, even if
Speaker 1: you don't know how, because that's the thing right most parents,
Speaker 1: If you didn't learn money at home, then you're like, well,
Speaker 1: how am I supposed to teach my kid? And so
Speaker 1: with molly More books, there at the end there are
Speaker 1: extending lessons and questions to really help to drive that
Speaker 1: home because every book has what I call pre financial
Speaker 1: education lessons, which is like counting math, learning about giving,
Speaker 1: learning about service, learning about community. These are the foundation
Speaker 1: for financial education. So it's age appropriate for three to
Speaker 1: seven year olds. And so then I show you how
Speaker 1: do you extend that lesson as a teacher, as a
Speaker 1: parent or aunt or uncle, So it's like everyone gets
Speaker 1: to learn. So yeah, it's just I feel like everything
Speaker 1: that I've worked toward has built up to this, that
Speaker 1: the budgetiesta was not the end goal. That truly it's
Speaker 1: this because I really believe, you know, I'm a teacher
Speaker 1: at heart, and so to be able to teach financial
Speaker 1: education from like early stages on throughout with all that
Speaker 1: I do with my life. I think it's just so.
Speaker 1: I just think it's like my life's calling. I know that,
Speaker 1: Like I'm doing what I'm supposed to do. And wait
Speaker 1: till y'all see this. She is so beautiful. Wait to
Speaker 1: see Molly Moore. So in a couple of weeks we'll
Speaker 1: be dropping. I'll be dropping the book cover. So you
Speaker 1: can get excited. Oh if you haven't already, she has
Speaker 1: if you want a sneak peek. Actually, I have not
Speaker 1: shared this anywhere, but I do have an Instagram page
Speaker 1: for Molly Moore. It's m a l I like the
Speaker 1: African country Underscore more m Ore, so at Molly may
Speaker 1: a Lot Underscore more and you can take a sneak
Speaker 1: peak of the cover. Please follow the page. I'll be
Speaker 1: doing updates and stuff there. So I posted the cover.
Speaker 1: I might delete it, so harry up because I was like,
Speaker 1: I was just testing out if I was able to
Speaker 1: post on the different Instagram page. So take a look
Speaker 1: while you can.
Speaker 2: Okay, well, at least give them until the show airs. Yeah,
Speaker 2: and delete it tonight. That's some angry listeners so exciting.
Speaker 2: So is that your twenty I was thinking about my
Speaker 2: plans for twenty twenty, which is hard for me to
Speaker 2: see anywhere past going back to work right now, but
Speaker 2: mention like kids and finances. It's also like with parenting.
Speaker 2: Of course I have a six week old, so all
Speaker 2: he needs is poop and you know, food, that's all
Speaker 2: he cares about. But it's also like when do you
Speaker 2: introduce concepts of finance and what's appropriate for a child?
Speaker 2: That's what I That's what I'm like wondering how early
Speaker 2: is too early? Should I even worry about it until
Speaker 2: you know they're you know what, like what age and
Speaker 2: what age is appropriate and like how much you cover
Speaker 2: and you know, because you don't want to, like I
Speaker 2: don't want You know, I've talked about before, like there
Speaker 2: was financial insecurity and financial anxiety in my household that
Speaker 2: I don't think my parents intend intended to make it
Speaker 2: that way, but you know, you just I absorbed all
Speaker 2: that energy. And what I'm trying to change, like flip
Speaker 2: the script, is to sort of create financial positivity because
Speaker 2: I think my own fears and anxieties around finances really
Speaker 2: held me back, especially when it came to to to
Speaker 2: to trying things like investing and even just saving, like
Speaker 2: I live from this this mindset of like money is
Speaker 2: evil and money you know, if you have money then
Speaker 2: you're greedy, uh, you know, and people who have money
Speaker 2: are like you know, there's like a there's just so
Speaker 2: much negativity around it. And I had to change my
Speaker 2: own mindset, and I want to. I would just want
Speaker 2: to have a household where it is. It is an
Speaker 2: empowering thing and you know, we use it for good
Speaker 2: and we use it to grow. And you know what
Speaker 2: I'm trying to say, and.
Speaker 1: No I do, and I'm not there at the road
Speaker 1: meth this For that, I'll say, like you know, as
Speaker 1: a former preschool teacher, I'll say that typically around the
Speaker 1: age of three, sometimes as early as two, because like
Speaker 1: my my niece Amelia is two and she's speaking and
Speaker 1: so so. But what pre financial education looks like, I
Speaker 1: would say two to four is not this is a dollar,
Speaker 1: this is how you use it. That's not what that is.
Speaker 1: It's Amelia. You don't want to share with Roman. Roman
Speaker 1: is my my her brother and her her Uh he's four.
Speaker 1: So pre financial education lessons are like they look more
Speaker 1: like morality lessons like sharing and mine versus yours and
Speaker 1: more and less. You know what I mean pre financial
Speaker 1: education lessons are also it's also numbers and counting, so
Speaker 1: you're likely going to be doing a lot of that anyway,
Speaker 1: but an intention for that's important and people don't realize
Speaker 1: that even when it comes to counting, like for example,
Speaker 1: Molly Moore the book, it rhymes and it seems like, oh,
Speaker 1: that's cute and rhymes, No, that it was intentional for
Speaker 1: it to rhyme, because rhyming is a precursor to counting, right,
Speaker 1: Because think about it, like if you can go or
Speaker 1: even just keeping a beat right, so if you can
Speaker 1: do like cat bat sat, that's like what I'm showing
Speaker 1: you is that each of those individual things are like
Speaker 1: one beat, one beat, so now you can say one, two,
Speaker 1: three and then. So when I was teaching, that's one
Speaker 1: of the reasons why the ABC song has like this
Speaker 1: kind of like rhythm to it, because what we're really
Speaker 1: teaching children is like this like spatial relation in their
Speaker 1: mind A B C, then one, two three, then what
Speaker 1: is one? Oh this is one apple? Oh, this is
Speaker 1: what two apples look like. So everything kind of builds
Speaker 1: on top of each other. But that's what it looks like.
Speaker 1: It looks like by two like you know, singing songs.
Speaker 1: It looks like, you know, by three, teaching them about
Speaker 1: sharing and giving and not everything belongs to you. So
Speaker 1: that's something Amelia is having a very hard time with
Speaker 1: right now. Right and then by four it looks like
Speaker 1: taking responsibility. So Roman is in preschool and so at
Speaker 1: four he will have a school job. Most preschoolers have
Speaker 1: like a school job, meaning that like there's usually like
Speaker 1: a little board where it says his name, and then
Speaker 1: Roman sets the table or he picks up the blocks
Speaker 1: today whatever. So he's learning responsibility, like, this is what
Speaker 1: I'm responsible for. So that's a pre financial education lesson.
Speaker 1: And what I did is I took it further, and
Speaker 1: this is what I plan to do when I have
Speaker 1: my bambinos. I took it further in that not only
Speaker 1: is that your quote unquote school job, but I'm gonna
Speaker 1: pay you. At four or five you can start to
Speaker 1: do that. I'm gonna give you monopoly money. And for
Speaker 1: a job job done, you get a dollar. For a
Speaker 1: job well done, you get two. And if you don't
Speaker 1: do it, you don't get any money. And then by
Speaker 1: four and five we can you can create. This is
Speaker 1: what I used to do with my classroom. We would
Speaker 1: create savings boxes with shoe boxes, and we would talk
Speaker 1: about what does it mean to say? And what are
Speaker 1: some of the things they like? Oh like candy, I
Speaker 1: like this? Do you know how much those things cost?
Speaker 1: And you know, like sometimes mommy and daddy they or
Speaker 1: auntie and uncle, you see them with money. What does
Speaker 1: that mean? So now you have a job at school,
Speaker 1: I'm paying you this money and you're going to be
Speaker 1: putting it every day into your savings box. And then
Speaker 1: every Friday I would go to like the dollar store
Speaker 1: and get like little Chotchki's, and then they would buy
Speaker 1: the things that they wanted from with their savings box money.
Speaker 1: Because I was teaching them this correlation between work, a
Speaker 1: job well done savings spending. There would be the things
Speaker 1: in the store that would be more than what they
Speaker 1: could possibly make in a week, because if you got
Speaker 1: paid two dollars a week maximum, that's ten dollars for
Speaker 1: the week. So there would be things in the store
Speaker 1: that were fifteen dollars. Then'll may be I'd to make
Speaker 1: a Teddy beer fifteen dollars. They would have to learn that.
Speaker 1: Some kids had to figure out, well, if I really
Speaker 1: want this teddy bear, then that means I don't get
Speaker 1: anything this week, And learning even that was like some kids,
Speaker 1: no matter what, they spent all their money every single week,
Speaker 1: and you got some kids that understood, if I want
Speaker 1: this teddy bear, I'm gonna have to not spend anything
Speaker 1: this week and then save it for next week. So
Speaker 1: you see how it builds on top of each other.
Speaker 1: But yeah, I think like when he's really really little,
Speaker 1: it's just really singing and counting and rhythm and rhyme,
Speaker 1: and then learning how to share and that everything does
Speaker 1: not belong to you and lessen more and you'll.
Speaker 2: Be matches with mommy and daddy, like over the kitchen
Speaker 2: table about Bill's got it.
Speaker 1: I grew up in the house sold. My dad did
Speaker 1: a great job teaching us about money in a way
Speaker 1: that I wasn't afraid. It was a recession that taught
Speaker 1: me fear, not my parents, because my dad was very
Speaker 1: matter of fact, so he didn't give money any extra energy.
Speaker 1: It just was hey, by the way, you know this
Speaker 1: this thing happened, and so I'm sharing with you what happened.
Speaker 1: So your mom lost her job, Oh no, no, it'll
Speaker 1: be fine. You know your mom is smart she's going
Speaker 1: to find another one. But it means that, you know,
Speaker 1: jobs pay money, and Christmas is coming and gifts cost money.
Speaker 1: What does that mean. It just means that we're going
Speaker 1: to have Christmas in January instead of December. Oh okay.
Speaker 1: But there was never any inflection of this is some bad,
Speaker 1: terrible thing. It just was And I think that was
Speaker 1: probably the best thing he could do versus making money
Speaker 1: a good or bad thing. It was just a neutral thing.
Speaker 1: And he was just kind of like sharing the news,
Speaker 1: and so that's how he approached money when he was
Speaker 1: teaching us about it, like the light bill is too high,
Speaker 1: that's the news. What can we do? And so because
Speaker 1: of that, I grew up with a really healthy relationship
Speaker 1: with money. Like I said, the recession totally took me
Speaker 1: out because I you know, it just was such a
Speaker 1: devastating time. But I was able to go back to
Speaker 1: or close to my healthy relationship with money because I
Speaker 1: had that foundation. So that's another thing too. I think
Speaker 1: it's as parents not not giving many money emotional and
Speaker 1: it's it's a thing, it's a tool, it's not it's
Speaker 1: not the goal itself.
Speaker 2: Yeah, And for me, my first and foremost goal is
Speaker 2: to I don't know why I was. I was overthinking
Speaker 2: a little bit how to start saving for Rio, and
Speaker 2: I'm just all I've decided to do is just open
Speaker 2: up a roth ira right now, like a custodial ira,
Speaker 2: and just start putting money in each month, and like,
Speaker 2: don't stress about what I'm investing, and just get some
Speaker 2: mutual funds and just do it, because like something is
Speaker 2: better than nothing. And I know we've gotten questions from
Speaker 2: parents over the years we've been doing the show on
Speaker 2: how the best way to save? When is it five
Speaker 2: two nine versus roth iray. The only reason I decided
Speaker 2: to go with the roth iray is just because it's
Speaker 2: a lot more flexible and I don't necessarily have to
Speaker 2: use the money on college expenses. So something were to
Speaker 2: happen and we needed to tap into it earlier. It
Speaker 2: just seemed like it seemed like the better option. And
Speaker 2: also five to two nine seem a little like I
Speaker 2: understand roth irays. I understand how to open went up
Speaker 2: and how to choose investments, and maybe because five two
Speaker 2: ninees I'm a little less familiar with it, just that
Speaker 2: you know, the the idea of needing to research that
Speaker 2: space and find the right account, and all that seems
Speaker 2: like it takes more energy, and right now I'm just
Speaker 2: like done is better than perfect, and a roth iray
Speaker 2: makes sense and I can easily just open one up
Speaker 2: alongside my Vanguard account, you know, and call it a day.
Speaker 2: And then number two my goal is life insurance because
Speaker 2: for those of you who have, like you know, I've
Speaker 2: always had my life my insurance through my employer, but
Speaker 2: you know, you can't really take that with you and
Speaker 2: it gets harder to well. Life insurance gets more expensive
Speaker 2: as you get older, so some people recommend getting your
Speaker 2: own life insurance policy. Also, it's only a certain amount,
Speaker 2: so it may not be enough for, you know, to
Speaker 2: really sustain your family. It's something were to happen to you.
Speaker 2: So I have started to shop around for life insurance,
Speaker 2: and fortunately there are sites like Value, Penguin, Quote, Wizard,
Speaker 2: Policy Genius that make it pretty simple to shop for
Speaker 2: life insurance. I've honestly found. I used all three of
Speaker 2: those to try and find a to start shopping for
Speaker 2: a policy. They kind of gave me the exact same company.
Speaker 2: So I don't know if it's probably based on where
Speaker 2: you live, what's what's available to you, but it seems
Speaker 2: pretty simple, and that is that's starting to that that
Speaker 2: to me is one of the more important things. It's like,
Speaker 2: if something were to happen to me, I want to
Speaker 2: be sure that he is okay and that you know
Speaker 2: there's no change to his because you know his luxurious lifestyle.
Speaker 1: So I'm telling you, like, insurance is definitely like this critical.
Speaker 1: Obviously they get the onesies and the toys and.
Speaker 2: All that crap life insurance.
Speaker 1: Yes, yeah, it's crazy. How like things that are important
Speaker 1: to you like when you're older, like who cares about insurance?
Speaker 1: And now you're like, ah, baby.
Speaker 2: I care my baby. I just want him to be okay. Listen.
Speaker 2: I got this book called Good Moms Have Scary Thoughts.
Speaker 2: I highly recommend it to anybody out there if you
Speaker 2: need a gift for your a new mom in your life.
Speaker 2: It is amazing because honestly, the first thing you think
Speaker 2: about is what if I die? What if Husban dies.
Speaker 2: It's it's dark, but it's true and you want to
Speaker 2: you just yeah, you have this real urge to like
Speaker 2: protect and to set you know, your child up for
Speaker 2: success if you weren't to be here, and then of
Speaker 2: course you cry a little bit and then you know
Speaker 2: it's all the emotions. But yeah, that's the goal. That's
Speaker 2: my little baby goals for twenty twenty. In career wise,
Speaker 2: I don't even freaking know. I just need stability for
Speaker 2: the next you know, several months. Hopefully can get back
Speaker 2: into a flow with work and I'll share with you know,
Speaker 2: you guys on how that's going. Just I'm yeah, anyway,
Speaker 2: let me just get the next six seven weeks being
Speaker 2: home first.
Speaker 1: Yeah, I would say, like my I haven't only set
Speaker 1: any professional professional goal. I'm actually having a vision board
Speaker 1: party next weekend. I have one like every year, you
Speaker 1: just like my sister's and like one or two friends
Speaker 1: should do a vision board. Yeah, I just because it's
Speaker 1: less for that, like you know, like the mushi, like
Speaker 1: you know, thinking for vision for the board itself, and
Speaker 1: more so it forces me in the moment to really
Speaker 1: kind of pull out what is it? How is it
Speaker 1: do you see your life unfolding this this year? So
Speaker 1: it really helps me to pull out of myself because
Speaker 1: I'm like spending this moment this time to do so.
Speaker 1: I would say personally, I feel like in the best
Speaker 1: place I have in a long time. Personally like great family,
Speaker 1: great friends, Like I'm for the first time in I
Speaker 1: don't know, in my adult life, every single one of
Speaker 1: my core relationships is in a good space, like parents, friends, family,
Speaker 1: like you know, the people I interact with regularly. It's
Speaker 1: it feels awesome. You know. You don't realize that that's
Speaker 1: not true until you start like working on things. You're like, oh,
Speaker 1: I could really be better with super Girl. You should
Speaker 1: hang out more. Oh I could really like call my
Speaker 1: mom more, you know. But I'm in a good space
Speaker 1: with everything, and I'm like, oh my god, I didn't Wow,
Speaker 1: this feels awesome. There is no internal dread when it
Speaker 1: comes to any of my core relationships, which is which
Speaker 1: is great? And then professionally, I really think that Molly Moore,
Speaker 1: because the book is going to be about twenty two
Speaker 1: bucks a book, I think give or take, because you know,
Speaker 1: we're going to be doing some of that money. We'll
Speaker 1: be going toward donating books. But I really think I
Speaker 1: did the math, like what would it take for Molly
Speaker 1: Moore to make seven figures in its first year and
Speaker 1: it's about forty six thousand books. I think I did
Speaker 1: the math, which I think we could do you know, Like,
Speaker 1: I'm like, I've got a pretty good sized audience forty
Speaker 1: six times twenty two.
Speaker 2: Yeah, I think that we have like half a million
Speaker 2: dream Catchers get out of here.
Speaker 1: H well, you know that everybody everybody doesn't you know,
Speaker 1: buy so, But I think that that would be crazy
Speaker 1: to be like, you know, I'm like, wow, I can
Speaker 1: make Molly Moore get to seven figures in its first year.
Speaker 1: But I think the biggest thing that I really want
Speaker 1: to accomplish professionally by the end of the year is
Speaker 1: and now it's more than feasible it's going to happen.
Speaker 1: Is that I've been saying for since December twenty eighteen,
Speaker 1: My team and I set forth what we call our
Speaker 1: big Audacious goals, and the one of them was to
Speaker 1: get the the the team on average to six figures
Speaker 1: a year, meaning that some of the team members that
Speaker 1: like our lead team member might make or lead team
Speaker 1: members might make two fifty and then maybe customer support
Speaker 1: just coming in entry level team member might make twenty
Speaker 1: five dollars an hour, which is about equivalents about twenty
Speaker 1: five thousand dollars a year. So how do we get
Speaker 1: that range? You know, like, what does that look like,
Speaker 1: and how much does the companies? How much do the
Speaker 1: companies have to make? And I was talking to my
Speaker 1: CFO today, our new CFO. Shout out to Shanta, She's amazing,
Speaker 1: and wasn't this going to be your boost? No, I'm
Speaker 1: gonna do a different boost.
Speaker 2: Okay, yeah, sorry interrupt, go ahead. I just wanted to
Speaker 2: stop you in case because I'm like, we need to
Speaker 2: do a whole segment. It needs to be a thing, Okay.
Speaker 1: Yeah, And so I'm excited that, like cause I thought before,
Speaker 1: like I would have to make like twenty million dollars
Speaker 1: a year, which I think we'll get there, but I
Speaker 1: don't know that by the end of this year. And
Speaker 1: she was like, no, She's like, I've done the math,
Speaker 1: and quite honestly, basically everyone would have to well just
Speaker 1: give the number. So for I have three core companies,
Speaker 1: it's the literature Academy which makes the most. The literature
Speaker 1: Academy would have to make I think she said six
Speaker 1: and a half million dollars. And so last year twenty nineteen,
Speaker 1: we made like three point five so basically double, which
Speaker 1: we've been doubling, so that's not crazy. I was like, Okay, great,
Speaker 1: the Budgetista would have to make one point five million.
Speaker 1: So the Budgeanesta I called the more poor neglected baby
Speaker 1: in that the Budgetista is like Tiffany hitting your road.
Speaker 1: It's like speaking, and so I don't do that as much.
Speaker 1: So I think the Budgetiessa maybe pulled in I want
Speaker 1: to say, seven hundred thousand last year of like speaking
Speaker 1: in books and things like that. So us making one
Speaker 1: point five is more than feasible, especially since molly Moore
Speaker 1: is under the Budgetisa. So if molly Moore Justify itself
Speaker 1: brings in seven figures and the Budgetista brings in half
Speaker 1: a million, which would be less than we made in
Speaker 1: twenty nineteen, will be more than on track. And then
Speaker 1: my marketing company, which was super neglected, then marketing company
Speaker 1: is just our turn on marketing company. Companies come to
Speaker 1: us and say, hey, we see you love our thing,
Speaker 1: share our thing, and we'll we'll pay you per person
Speaker 1: that signs up. And so with that, that company was
Speaker 1: actually in the negative because although we made I want
Speaker 1: to say, maybe two hundred and fifty thousand or something
Speaker 1: to that effect, but we spent more because of marketing itself,
Speaker 1: like paying four ads and things, and then staff so
Speaker 1: that company, I just said, if we can get to
Speaker 1: a positive maybe like fifty or sixty thousand, I'll be
Speaker 1: happy with that company because that company drives a lot
Speaker 1: of the other things that we do, so on its own,
Speaker 1: we don't look for it to be a big money maker.
Speaker 1: But making six point five in one company and one
Speaker 1: point five in another, that's more than feasible because it's,
Speaker 1: like I said, we've already been doubling our income. So
Speaker 1: if we're right in alignment and the goal when we
Speaker 1: made the big audacious goals in twenty eighteen, the goal
Speaker 1: was always by the end of twenty twenty to get
Speaker 1: to that big goal of six figures per person, like
Speaker 1: on average, depending on what role you have. So the
Speaker 1: fact that we're like within range, I'm like yeah, because
Speaker 1: I mean, I know the people who work for our team.
Speaker 1: They don't work on our team for the money because
Speaker 1: we don't. I don't pay what I call a competitive
Speaker 1: salary yet because just because your company makes a lot
Speaker 1: of money, there are a lot of expenses. And now
Speaker 1: with this we can pay a competitive salary like what
Speaker 1: you would make, maybe even more than what you would
Speaker 1: make at like if you were to be working at
Speaker 1: a similar company, and so I can't wait by the
Speaker 1: end of the year to be able to get my
Speaker 1: team to that because they are amazing. They deserve and
Speaker 1: I want them, you know, like I know they're here
Speaker 1: for the love, but I want them to know that,
Speaker 1: you know, like if you go someplace else, you would
Speaker 1: still be making the same kind of money and they
Speaker 1: won't even love you as much as I do. So
Speaker 1: I'm excited about that. Like that's my big, big, big
Speaker 1: push for twenty twenty. Business is woof child. It's just
Speaker 1: just when you're just like you think you figured it out,
Speaker 1: You're like what now. Some months you're just like what
Speaker 1: we did what? Other months you're like, oh my god,
Speaker 1: Like we have a loss a lot. I didn't know.
Speaker 1: I was like what the marketing company didn't make no money?
Speaker 1: Yes we did. They're like, you spent more than you mean.
Speaker 2: I'm like, ah, so Well, for those of you who
Speaker 2: listened to one of our I think one of our
Speaker 2: best shows of the year was one of our last shows.
Speaker 2: That was actually our last real new show of the
Speaker 2: year was you know, we talked with Tiffany in November
Speaker 2: and if you guys want to go back, it's episode
Speaker 2: one ninety eight. Check it out. I interviewed Tiffany about
Speaker 2: basically how did she start the budget needs to the real,
Speaker 2: the real, real story, and when did she start making
Speaker 2: money and how did she start making money? And I
Speaker 2: mean those early days when you were making fifty bucks
Speaker 2: a pop for at home financial budgeting sessions and so
Speaker 2: you know, now you're like employing how many staff? Like
Speaker 2: your business is? How has grown so much? I mean
Speaker 2: it's it was long.
Speaker 1: It has been. It's been ten years of a long journey.
Speaker 1: Don't let these people fool you. That. Don't get me wrong.
Speaker 1: There are definitely people who are like, boom, you're one
Speaker 1: year two, they're making a million or or whatever. But
Speaker 1: that's just not the average story, you know, And it's okay.
Speaker 1: It doesn't have to be the average story. It's like
Speaker 1: someone losing twenty pounds in two weeks. Some people that,
Speaker 1: but most people are literally losing a half a pound
Speaker 1: to a pound a week, which is normal. And so
Speaker 1: I just want to normalize the process that it's good.
Speaker 1: It's hard, but it's possible, but it's typically not going
Speaker 1: to take you. Like, for example, this is what somebody
Speaker 1: will say, Molly Moore is likely to make a million
Speaker 1: dollars its first year out. So the deceptive me will say,
Speaker 1: I wouldn't do this, But this is what somebody would say,
Speaker 1: Oh my god, my business made a million dollars its
Speaker 1: first year. But you and I both know that Molly
Speaker 1: Moore is only going to make that million dollars first
Speaker 1: year because a ton of years of the budgetese. And
Speaker 1: so it looks like, oh, this new venture on its
Speaker 1: own is making this money, but that's not really true.
Speaker 1: It's all of these years of work that led to
Speaker 1: the ability of this company to make this amount of
Speaker 1: money in its first year. And so that's what you're
Speaker 1: not seeing oftentimes in some of these people who are
Speaker 1: sharing that something that they created is making a ton
Speaker 1: of money right away. But yeah, because they've also they've
Speaker 1: had previous businesses or previous work that'll set them up
Speaker 1: for that success. So and year starts now if you
Speaker 1: haven't started already, So get to it.
Speaker 2: Yeah, And I mean it's the tip of the iceberg situation, right,
Speaker 2: m hmm, amazing. Oh, twenty twenty is gonna be the year.
Speaker 2: All right, guys, be back in just a minute. We'll
Speaker 2: take your first questions of twenty twenty. Be right back.
Speaker 1: So it's question time. I don't have my normal usk
Speaker 1: your question, so I'm gonna find a new song that
Speaker 1: has more questions in it so I can annoy you
Speaker 1: guys with that song instead. So for now, if question time.
Speaker 2: I love it, well, I hit up. I went old school.
Speaker 2: You guys, check my email inbox because we had a
Speaker 2: ton of questions coming over the holiday. You guys were
Speaker 2: busy thinking about your finances in twenty twenty, so let's see.
Speaker 2: Let's remind folks, how do you send us a question?
Speaker 2: Hit us up Brandambisson Podcast at gmail dot com, or
Speaker 2: you can go to Instagram and find us at Brand
Speaker 2: Ambition Podcast. On the gram, send us a DM there.
Speaker 2: Be sure to keep your questions succinct. In the Gram.
Speaker 2: It is very hard to scroll and scroll and scroll
Speaker 2: and read and read and read. But I love that
Speaker 2: you guys are sending us more questions there. Also, our
Speaker 2: website is still around. You can go to Brandambisson podcast
Speaker 2: dot com and click ask us anything all right. Our
Speaker 2: first question of twenty twenty, No Pressure, comes from listener Anna,
Speaker 2: who has a question about investing. Here's what she says
Speaker 2: so far. Anna has thirty three thousand dollars in online savings,
Speaker 2: ten thousand dollars she's saving for a car in the future,
Speaker 2: fourteen thousand sheets earmarked for emergencies, eight and a half
Speaker 2: for repairs, vacation and investing, and also one hundred and
Speaker 2: thirty five Is she trying to make us jealous? One
Speaker 2: hundred and thirty five thousand dollars in a four to
Speaker 2: one K from my previous employer. Oh, and an additional
Speaker 2: three K in eleves. So I'm sorry, Where are the
Speaker 2: problems here, Missianna? She says? Obviously I'm a super saver,
Speaker 2: but I need to invest. My question is do you
Speaker 2: think Do you too think I'm covered with savings and
Speaker 2: can start investing with money I will earn, or do
Speaker 2: you think I should invest with some of the money
Speaker 2: I've already saved. If the latter, where should I take
Speaker 2: the money from? Please note I'm thirty nine years old
Speaker 2: and married with a dual income of about eighty thousand
Speaker 2: dollars annually. That's really impressive with that with a dual
Speaker 2: income of eighty K. She's thirty nine years old and
Speaker 2: has let me do the math real quick, thirty K
Speaker 2: and online savings ten K, three three k. Oh that
Speaker 2: includes ten K and then fourteen about one hundred and
Speaker 2: seventy thousand dollars she's managed to save. That is fantastic.
Speaker 2: So thirty three thousand dollars of that she's gotten like
Speaker 2: a regular bank account online make account in savings. Let's
Speaker 2: just assume it's online. So she's earning like one percent
Speaker 2: to be safe. And then she's got one hundred and
Speaker 2: thirty five K and a four to one K for
Speaker 2: my previous employer. So she wants to know basically, should
Speaker 2: she start tapping into that thirty three K and investing
Speaker 2: with that or should she just start investing with her
Speaker 2: future earnings? And on top of that she does she's
Speaker 2: dabbled a little bit. It sounds like she's got three
Speaker 2: thousand dollars in ell OFST, which we've talked about l
Speaker 2: of s before. It's it's one of these new kind
Speaker 2: of robo advisor funds, but it targets women specifically.
Speaker 1: Yeah, so it's I think I want to be clear
Speaker 1: what was her name? Anna?
Speaker 2: Anna? Yep?
Speaker 1: So I wouldn't be clear Anna, Like you know your
Speaker 1: money in elves and your money in your phone one K.
Speaker 1: Sometimes people don't think about retirement as invested like invested funds.
Speaker 1: Those are invested funds, so you know that. Just to
Speaker 1: be clear, the only funds that are not invested from
Speaker 1: what I could hear is the savings the thirty three thousand, yep, exactly,
Speaker 1: you know. So I would challenge you to look holistically
Speaker 1: at your finances because it sounds like to me that
Speaker 1: you are already saving for retirement. If you're putting away
Speaker 1: your prerequisite of like ten to fifteen percent towards retirement,
Speaker 1: you don't necessarily have to boost that up, but it
Speaker 1: sounds like you're kind of doing that already. I would
Speaker 1: look to see am I insured enough to Mandy's point,
Speaker 1: like earlier, I don't know if you have children, but
Speaker 1: that was one of the things when I sat down
Speaker 1: with my financial planner. She I was severely under insured
Speaker 1: because I set my insurance when I was in my
Speaker 1: twenties and I never kind of did anything else. She's like, girl,
Speaker 1: you are not twenty two anymore. You need more insurance.
Speaker 1: So one make sure that you have enough insurance. So
Speaker 1: like homeowners insurance, if you have a home renter's insurance,
Speaker 1: if you don't, do you have enough of insurance for
Speaker 1: life insurance, so something happened to yourself or your spouse,
Speaker 1: So really looking at your insurance, am I fully insured?
Speaker 1: And then if you are not setting aside ten and
Speaker 1: not honestly because you're a woman, I would say upwards
Speaker 1: to fifteen percent away for retirement. You can start doing
Speaker 1: that with some of that thirty three percent, because I
Speaker 1: don't think I'm not sure what you do for a living.
Speaker 1: You don't need more typically than more than three to
Speaker 1: six months worth of expenses saved liquid like that as cash,
Speaker 1: because you're really losing money when you're not investing money.
Speaker 1: I think that's I wish people understood that more. I did.
Speaker 1: Net First, that money in a savings account is literally
Speaker 1: losing because if for every dollar they're giving you one cent,
Speaker 1: but because of something called inflation, which means the devaluing
Speaker 1: of money, that money can't do as much as it
Speaker 1: used to. Every year, inflation is about three percent, so
Speaker 1: for every dollar gaining one but losing three, so that
Speaker 1: leads you at a two penny loss for every dollar
Speaker 1: for that money you have saved. So that means that
Speaker 1: yet thirty three thousand dollars, it's worth less and less
Speaker 1: over time. So I don't want you to keep so
Speaker 1: much money liquid, like I had to wag too much
Speaker 1: money liquid and so.
Speaker 2: Yeah, and just so of that thirty three K, she's
Speaker 2: earmarking ten K for it to buy a car, So
Speaker 2: buy a car cash. Fourteen K she's earmarked for those emergencies.
Speaker 2: And she's got eight and a half thousand that she's
Speaker 2: thinking of using for investing. But also it's kind of
Speaker 2: her vacation fund. So with that eight and a half k,
Speaker 2: I mean she's got it sounds like so yeah, it
Speaker 2: sounds like she knows, Okay, I have too much in
Speaker 2: my savings account. It's time to kind of break this up.
Speaker 2: I don't know would you use it?
Speaker 1: Would you take money? Yeah?
Speaker 2: Would you take money out of that savings or would
Speaker 2: you have her like heap three three k in the
Speaker 2: bank because I was just doing some quick mass. So
Speaker 2: she's got eighty thousand dollars of income, you know, combined
Speaker 2: with her her husband or partner right now. So if
Speaker 2: you're following that, you know, six months worth of income
Speaker 2: kind of well six months worth of expenses. Yeah, I
Speaker 2: mean fourteen K could be you know, plenty for emergencies,
Speaker 2: and she could take that, you know, let's say break
Speaker 2: off a piece of that eight and a half K
Speaker 2: and save that for vacations and you know, have the
Speaker 2: recurring savings to keep that fund did and I would
Speaker 2: I feel like she has enough to just go ahead
Speaker 2: and max out like an IRA. You know, the what
Speaker 2: is the annual contribution in twenty twenty. I don't want
Speaker 2: to mess it up. It's usually around like six thousand, right.
Speaker 1: It was, Yeah, it was six So let's see what
Speaker 1: it is because she's the max IRA contribution twenty twenty.
Speaker 1: Because you're right, because every year it's different. It is
Speaker 1: Oh well, it doesn't say oh you mean Roth.
Speaker 2: Ira, Yeah Roth, Sorry, well no on Ira Roth whatever. Yeah,
Speaker 2: I guess Roth.
Speaker 1: It is six six thousand. Yep, it's still six thousand.
Speaker 2: Okay, So I mean you could start and you can
Speaker 2: take three thousand and get that half invested and then
Speaker 2: you know, set up savings to max it out through
Speaker 2: the end of the year. But that's a that's that's
Speaker 2: an additional way to invest. But on top of that,
Speaker 2: Tiffany said, you've got over one hundred thousand dollars in
Speaker 2: your four to one K. Make sure that you're well
Speaker 2: diversified in that you know your money is growing at
Speaker 2: a at a at a rate that seems reasonable and
Speaker 2: you're not I don't know what you're invested in obviously,
Speaker 2: but you know, being thirty nine, you can still heavily
Speaker 2: invest in stocks you have. You have a long time horizon.
Speaker 2: So take a look at what you're investing in your
Speaker 2: four to one K and make sure that it's diversified
Speaker 2: properly for your age and your time horizon. And that
Speaker 2: three K and l of us that's all well and good.
Speaker 2: Maybe you want to take that, you know, and start
Speaker 2: adding a little bit to that as well, but.
Speaker 1: And look into target date fonds when it comes to
Speaker 1: your because I feel like you should always invest for
Speaker 1: in retirement. So I invest for in retirement, like like
Speaker 1: fairly conservatively based upon like you know, my age, YadA, YadA.
Speaker 1: So I invest I think about twenty percent because I'm
Speaker 1: an entrepreneur, and then anything above that then I have Angelie,
Speaker 1: my financial planner, invest for wealth. And so investing for
Speaker 1: wealth is we're a little bit more aggressive than I
Speaker 1: would because I'm forty, right, So that means like, okay,
Speaker 1: retirement is taken care of, and God forbid, this wealth
Speaker 1: invested doesn't work out. I'm not going to eat cat
Speaker 1: food because I've invested for retirement. So I would consider
Speaker 1: like looking into like what does investing for wealth and
Speaker 1: what it might look like. You know, maybe that's a
Speaker 1: target date fund, and you can do target date funds
Speaker 1: through your through like a raw iiray. That's just you
Speaker 1: pick a date that you're gonna want to take this
Speaker 1: money out, and it kind of balances itself for you
Speaker 1: every year versus how much money it has invested in,
Speaker 1: like a more conservative vehicle like bonds or a more
Speaker 1: aggressive vehicle like stocks, And every year you get closer
Speaker 1: to the target date, your investments become more and more conservative,
Speaker 1: so you can preserve the capital the money that you
Speaker 1: put in. So yeah, I think you're in a good spot.
Speaker 1: I just do not like to be from that eight.
Speaker 1: You probably have a good because vacation shouldn't cost more
Speaker 1: than like two thousand dollars. You probably have a good
Speaker 1: six thousand. To Mandy's point, just open up a raw
Speaker 1: ira and throw it in there, or add to where
Speaker 1: you have laves or maybe I don't know that I
Speaker 1: would just be investing in loose stocks. You have not
Speaker 1: done that before, but definitely putting it. It sounds like
Speaker 1: to me, putting six thousand dollars toward investing in some
Speaker 1: is a good idea.
Speaker 2: Yeah, all right, Anna, thank you very much for your question.
Speaker 2: Let's keep this financial advice theme going. And just as
Speaker 2: a reminder, of course, Tiffany and I are not investment advisors.
Speaker 2: We're not professional financial planners, so you know, consult your
Speaker 2: own experts for expertise, for just telling you what we
Speaker 2: might do based on our shared experience and what little
Speaker 2: details you guys share with us. So hopefully we got.
Speaker 1: Sue your mama, not us with your mama's some anybody else,
Speaker 1: anybody but else, anybody but us.
Speaker 2: All right, let's take a question from listener. Am I
Speaker 2: gonna pronounce this right?
Speaker 1: Is it?
Speaker 2: Shun oh? Anonymous?
Speaker 1: Okay?
Speaker 2: Anonymous listener? She says, I have I'm assuming it's a she.
Speaker 2: I'm a new listener and have really enjoyed catching up
Speaker 2: on your show. Thank you for all your do. My family,
Speaker 2: my husband and we have a toddler, and I have
Speaker 2: had a lot of change in the past year. We
Speaker 2: moved from Phoenix to North Carolina. Everybody's moving to North Carolina.
Speaker 2: We have new jobs, a new house, and I was
Speaker 2: recently laid off from my job earlier this year, I
Speaker 2: was working. I was without work for six months and
Speaker 2: thankfully I just found a new job. But we're now
Speaker 2: feeling the effects of the financial hit we took this summer,
Speaker 2: and we're thinking we'd like to start working with a
Speaker 2: financial planner, especially before we start on baby number two.
Speaker 2: Do you two use a fee or no fee financial planner?
Speaker 2: And why? Great question. That's a huge, huge year plus
Speaker 2: a job lost. My god, so I mean, congrats for
Speaker 2: coming through it, and I'm glad that you finally have
Speaker 2: a new job and oh my god, baby number two.
Speaker 2: So I personally have fee or no fee financial planner.
Speaker 2: There's not really a thing as a no fee financial planner,
Speaker 2: but there yeah, but there's fee based and fee only,
Speaker 2: so there's planners. It's basically the difference is how they
Speaker 2: charge their fee. So some planners, especially if they help
Speaker 2: you invest, they might add an additional percentage, like and
Speaker 2: take a little bit off your returns on the investments
Speaker 2: that they that they that they recommend for you, they
Speaker 2: put your savings and investments into. And then you have
Speaker 2: some planners who will just charge you a flat fee
Speaker 2: for every time you have a conversation with them, or
Speaker 2: every time they make you know, put together a financial
Speaker 2: plan for you. You know, there's some planners you can
Speaker 2: just you can go to them and just say, you know,
Speaker 2: I want a retirement plan, a financial plan, which is
Speaker 2: usually what financial plans are. They're like a retirement plan,
Speaker 2: and that can cost you know, I don't know a
Speaker 2: thousand bucks, tweve hundred dollars. It depends on the planner.
Speaker 2: You just pay one fee and that's it. If you
Speaker 2: want ongoing investment advice, you're probably looking at someone you
Speaker 2: may take a little bit of a percentage of your returns,
Speaker 2: or somebody who just charges again a flat fee for
Speaker 2: their for their services. I don't have anyone managing my investments,
Speaker 2: so I've always just used a fee only financial planner.
Speaker 2: And basically the way that it works is every time
Speaker 2: we schedule a call with this planner, she charges us
Speaker 2: a flat fee. For me, it's been about two hundred
Speaker 2: dollars depending on the contents of the call and how
Speaker 2: much we're going to cover, and you know how much
Speaker 2: she's going to do for us. And that's works for
Speaker 2: me because I don't need and we don't meet we
Speaker 2: meet when we want to meet, so honestly, I think
Speaker 2: we have maybe three meetings last year. I haven't talked
Speaker 2: to her in a while, is Helen right? Yeah, Helen.
Speaker 2: We've interviewed Helen on the show before.
Speaker 1: Yeah, that's awesome.
Speaker 2: I just didn't want to quote her fee because I've
Speaker 2: used her for a while now and I'm sure she's
Speaker 2: more expensive as as everyone is raising their base and.
Speaker 1: Also too, it all depends like what so, like I
Speaker 1: when I was interviewing folks, I used to have the
Speaker 1: fee base, which is I didn't have the money when
Speaker 1: I first started off to pay anyone out of pocket,
Speaker 1: so I didn't really pay out of pocket. Well, sometimes
Speaker 1: you could pay out of the pocket for the initial
Speaker 1: plan and that's sometimes around like a thousand of twelve
Speaker 1: hundred dollars with the initial plan, but then I didn't
Speaker 1: pay like for the quarterly meeting or anything like that.
Speaker 1: They were my original financial planners were getting paid percentage
Speaker 1: of my portfolio. But then I once I had enough
Speaker 1: money to pay someone, I switched over to a fee
Speaker 1: only and so now I have Angelie. So I interviewed
Speaker 1: a ton of people and I interviewed so actually my
Speaker 1: top three. It was Angelie, it was Helen. I interviewed
Speaker 1: like twenty people Angelie, Helen, and another young woman that
Speaker 1: were my top three, But I ended up choosing Angelie
Speaker 1: because she specifically focused on people who had multiple businesses
Speaker 1: and everyone else that wasn't like one of their core focuses,
Speaker 1: And so I was looking for someone who, guess, is
Speaker 1: going to help my husband and I as a couple.
Speaker 1: But then also the fact that, like, Okay, Tiffany's got
Speaker 1: three businesses and what does that look like? Because I
Speaker 1: also too want to like be able to offer my
Speaker 1: employees like benefits and things like that, and Angelie that's
Speaker 1: something that she does as well. So you're wanting to
Speaker 1: make sure that whoever you're choosing that you share kind
Speaker 1: of like your holistic like financial life, because that way
Speaker 1: they can understand, like, are you someone that I can help,
Speaker 1: like if you're a teacher. There are literally financial planners
Speaker 1: that I interviewed that focus on teachers, or some that
Speaker 1: focused on doctors and lawyers. So there's a great number
Speaker 1: out there. But I pay Angeline a lump some fee
Speaker 1: because there's just so much going on that I had
Speaker 1: to unpack. A lump sum fee for the year that
Speaker 1: I pay that I pay monthly and we meet. In
Speaker 1: the beginning, we were meeting like every month to get
Speaker 1: like it took like, I want to say, five months
Speaker 1: to get all the paperwork together. So me her and
Speaker 1: my husband and her her admin we met every month
Speaker 1: and and as things like slow down, we've probably will
Speaker 1: still be meeting at least four or five, maybe even
Speaker 1: six times this year because there's still a lot to unpack,
Speaker 1: and then after that it'll settle into like quarterly. But yeah,
Speaker 1: and it was not cheap. I mean, I don't know
Speaker 1: if you guys want me to share them out. How
Speaker 1: do you feel about that? I mean, I don't.
Speaker 2: I always want the numbers. Tell us must you're comfortable
Speaker 2: with it, I'm going for with it.
Speaker 1: Yeah, well you know me, girl, I'll be tell all
Speaker 1: my businesses. But it was it's but it's also I
Speaker 1: can write this off because she's helping the business. It's
Speaker 1: fifteen thousand dollars for the year. Now normally you'd be like,
Speaker 1: no way, But because I can write it off, it's
Speaker 1: a I spoke with I spoke with Angelie. It's a
Speaker 1: business expense because a large part of what she's doing
Speaker 1: so Angelie. I actually was just reading an email between her,
Speaker 1: So Angelie's financial planner, Carlos, who's what I call my
Speaker 1: big accountant, and Shanta, who is my CFO, my chief
Speaker 1: financial officer. So they're constantly talking and making decisions financially
Speaker 1: that benefit the company, myself all of that. So so
Speaker 1: to me, I don't I'm not gonna lie. I don't
Speaker 1: know that I would have jumped out the window for
Speaker 1: fifteen thousand if it was Tiffany, just purely out of
Speaker 1: my pocket, but because it was like a company expense
Speaker 1: that the company can shoulder. But when I tell you
Speaker 1: it's it's paid for itself time ten, I was really like,
Speaker 1: what she was literally the most expensive at every time
Speaker 1: I interviewed, she was the most expensive. But it has
Speaker 1: paid for itself already. It's been an amazing experience.
Speaker 2: So yeah, And that's a totally different kind of financial
Speaker 2: planning than someone like, you know, someone who's just like,
Speaker 2: oh me, my husband, my family. You know. It's just
Speaker 2: it's like a business financial planning package. That's that's interesting.
Speaker 2: I mean, And that sounds like, oh, it sounds reasonable.
Speaker 2: Not having a business myself sounds reasonable to me.
Speaker 1: Exact but yeah, but like looking for here's what I'll
Speaker 1: say that as you look for a financial planner, the
Speaker 1: thing that really helped or financial advisor. The difference between
Speaker 1: a financial planner, they typically holistically left your life. Like
Speaker 1: Angelie was gathering, like, girl, this insurance. Do you want
Speaker 1: to leave them with nothing? I'm like no, So she's
Speaker 1: looking at everything. And then typically a financial advisor is
Speaker 1: really helping you specifically with like investments typically so like
Speaker 1: and they're typically selling you things like you you know,
Speaker 1: like my insurance. Like Angeley doesn't sell anything, so she
Speaker 1: will advise that here's the kind of insurance that you
Speaker 1: should should get. You want me to suggest some, but
Speaker 1: you need to buy it and then come back to
Speaker 1: me and show me that you purchased it. So Angelie
Speaker 1: doesn't sell me anything. I've already purchased her advice. Not
Speaker 1: a particular service, I mean, well, not a particular product,
Speaker 1: which is like what financial advisors usually do. They usually
Speaker 1: have like products to sell. But there's nothing wrong with that.
Speaker 1: But the thing that really helped me was I created
Speaker 1: this doc and honestly I'm gonna create Like I keep
Speaker 1: saying this because everybody keeps asking I'm going to create
Speaker 1: like a template of this doc that I created many
Speaker 1: that was so great and that I put all of
Speaker 1: our financial business on there. My husband and I'm like
Speaker 1: our dreams, our goals, how much we make, how much
Speaker 1: we have it, if we had any dat, you know, anything,
Speaker 1: just everything. But I organized it. And that's what I
Speaker 1: sent to potential financial planners and advisors that I was interviewing.
Speaker 1: So somebody would say, I know I have someone Helen.
Speaker 1: She's awesome. I would send Helen like a template email.
Speaker 1: Hey Helen, my name is Tiffany, looking for a planner.
Speaker 1: Here is the doc and like with like where I
Speaker 1: currently am and where i'd like to be. If you
Speaker 1: think that you can help, I would love to set
Speaker 1: up an interview. And so I sent that and what
Speaker 1: that did was it helped me to not leave things out,
Speaker 1: because as you're interviewing financial planners and advisors, you're gonna
Speaker 1: want to share kind of like where you are and
Speaker 1: your goals. But I didn't. I always remember, oh, I
Speaker 1: forgot to tell this one that I'm working on this,
Speaker 1: and I forgot to tell that one that my husband
Speaker 1: is doing that. So with that doc, it helped me
Speaker 1: to be able to compare financial advisors apples to apples.
Speaker 1: The most helpful thing and finding your financial planner advisor
Speaker 1: for me anyway, was creating that kind of like all
Speaker 1: money stock that I sent out to people and use
Speaker 1: it as a stepping stone. So then when we got
Speaker 1: on the phone, we were discussing the same thing, which
Speaker 1: was this document, and like, yeah, you have to be
Speaker 1: all the way on with your financial advisor, like the good,
Speaker 1: the bad, the ugly, and yeah, I just found it
Speaker 1: to be helpful. I am going to eventually, like I
Speaker 1: want to create a template to so obviously my information
Speaker 1: is not in there. I could pull out my numbers
Speaker 1: that people can kind of use and put in their numbers.
Speaker 1: So because people ask all the time, how do I
Speaker 1: find a financial planner or advisor? And that was the
Speaker 1: first time I did that, and cause I'd been looking
Speaker 1: for one for five years and just failing miserably. Every
Speaker 1: year I would have somebody and it wouldn't be a fit.
Speaker 1: And now that doc helped me to find who I
Speaker 1: have now and she's an amazing fit. And I really
Speaker 1: credit it to that document.
Speaker 2: Yeah, and I just found my financial planner through xy
Speaker 2: Planning Network, which I think is still around, and there's
Speaker 2: also the National Association of Personal Financial Planners they have
Speaker 2: or sorry, national association is NAPFA National Association of Personal
Speaker 2: Financial Advisors it might be, and they only have fee
Speaker 2: based planners. And you can put in your zip code
Speaker 2: and look around. Obviously, Like personal referrals are awesome too,
Speaker 2: asking around to friends, asking around to people you seem
Speaker 2: to have their lives together if they're using a planner.
Speaker 2: And definitely interview We interviewed like four or five different people,
Speaker 2: and you know, you want someone who's not going to
Speaker 2: talk about money first, who's going to ask you what
Speaker 2: your goals and your ambitions are, and you're you know
Speaker 2: what you're looking for, like Tiffany said, before you even
Speaker 2: sit down with someone. That's a really good sign you've
Speaker 2: got someone with your you know, best interests at heart. Fabulous.
Speaker 2: All right, thank you guys for your questions again. Brandimission
Speaker 2: Podcast at gmail dot com, hit us up on the
Speaker 2: gram at brand Ambission Podcast, or you can go to
Speaker 2: our website Brand ambitionion podcast dot com.
Speaker 1: This is Sisco. This is a Drew Hill song. Right,
Speaker 1: are you gonna boost or are you gonna break? Because
Speaker 1: I've got a boost.
Speaker 2: Like that's so, that's a song sounds like you're constipated.
Speaker 1: No, yes, no, it goes it's somebody sleeping in my bed.
Speaker 1: Do you want hem? Or do you want me? Because
Speaker 1: I want you? Some of y'all gonna be like, wow, Tiffany,
Speaker 1: that need That melody is not quite what Cisco was singing,
Speaker 1: but you know what I mean.
Speaker 2: It's aggressive.
Speaker 1: Are you gonna break?
Speaker 2: I am going to I'm gonna keep it positive looking
Speaker 2: at twenty twenty, I have a lot to boost, but
Speaker 2: I wanted to. Obviously, for the last six weeks, I
Speaker 2: have been tied to the house. I have not left
Speaker 2: at all, and I have been all up on my
Speaker 2: phone taking advantage of all of the apps and make
Speaker 2: my life easier. So quick shout out to first and
Speaker 2: foremost Whole Foods Delivery Service. If you guys, you know
Speaker 2: you have Whole Foods in your area and they delivered
Speaker 2: through Amazon Prime. I don't know how Amazon makes money,
Speaker 2: but they still do free delivery and I can order.
Speaker 1: I can get.
Speaker 2: Groceries within two hours, two to five hours typically like
Speaker 2: same day, and it has saved my butt in so
Speaker 2: many different ways. And maybe Whole Foods is a little
Speaker 2: bit more expensive to be honest, like, I never shopped
Speaker 2: there before. They had this free shipping on Amazon, and
Speaker 2: it was so easy to shop online because it is
Speaker 2: a little bit more expensive. And I'm a Trader Joe's
Speaker 2: kind of girl. But Trader Joe's does not deliver, and
Speaker 2: I don't have time, nor can I even leave the
Speaker 2: house for longer than a couple hours. So shout out
Speaker 2: to Whole Foods Delivery. Shout out to Amazon Prime, and
Speaker 2: I mentioned them earlier, but I mentioned I was shopping
Speaker 2: for life insurance, and I'm using a few different websites
Speaker 2: because of course you want to compare rates, so audits
Speaker 2: do a quick extra shout out for websites where you
Speaker 2: can compare not just life insurance, but other types of
Speaker 2: insurance to like auto renters, insurance, et cetera. So the
Speaker 2: sites that I've looked at are Value Penguin, Quote Wizard,
Speaker 2: and Policy Genius, and I've kind of it's they're all
Speaker 2: basically using the same format, so it's fun. It's nice
Speaker 2: for me to kind of shop on all three and
Speaker 2: see what they give me back. So shouts out to
Speaker 2: anything that saves you time. And for any parents out there,
Speaker 2: if you guys, have any tips on things that have
Speaker 2: made your life easier and have automated your lives or
Speaker 2: made it easier just to like function day to day.
Speaker 2: I am open to all of your advice, all of
Speaker 2: your tips and tricks. One thing that I've done is
Speaker 2: meal prep my final boost. So my dad has been
Speaker 2: in town this weekend, so I took advantage. I made
Speaker 2: a crap ton of food for the week and I
Speaker 2: ordered like Amazon sells these bulk kits of like you know,
Speaker 2: divided BPA free plastic containers and like you know, three
Speaker 2: divided sections, and I'm just like packing them because the
Speaker 2: hardest thing is like even just bending over to microwaves
Speaker 2: because our microwave is down low. I've realized, like just
Speaker 2: bending over with a baby in mar is hard. So
Speaker 2: I'm trying to make things as easy. So I am
Speaker 2: actually like fed myself and taken care of so meal prep,
Speaker 2: whole foods, delivery, you know, anything that I can do
Speaker 2: to make the day to day a little bit easier.
Speaker 2: And if you guys, like I said, have tips, holler
Speaker 2: at me.
Speaker 1: Yeah, I think that's got me. I always think, do
Speaker 1: what do people do before you could like order everything?
Speaker 2: Listen it's like it's a curse. The Internet has been
Speaker 2: a curse in a God send through this entire six weeks.
Speaker 2: Let me tell us that at three am, you can
Speaker 2: really scare yourself into a frenzy thinking that either you're
Speaker 2: gonna die or your baby. That bump on your baby's face,
Speaker 2: it's like something that's you know, it's just yes. So
Speaker 2: without the Internet, I think this will be a little
Speaker 2: bit easier, but it also be a hell of a
Speaker 2: lot harder. So blesting and curse, well.
Speaker 1: I am going to booz. So I told myself I
Speaker 1: was going to make like fitness and like, well this overall,
Speaker 1: not like necessarily losing weight or whatever, although I could
Speaker 1: stand to loose eighteen but I was gonna make that
Speaker 1: like fitness to really be a priority for twenty twenty.
Speaker 1: And how do I do that realistically for myself? And
Speaker 1: I don't know. Out of the blue, like so Superman
Speaker 1: has like he commandeered the full basement as his quote
Speaker 1: unquote man cave. There's like an open section where like
Speaker 1: we have the where which I guess it was like
Speaker 1: the laundry room, but there's also like this big open
Speaker 1: space and then there's a section behind a door which
Speaker 1: is truly his man cave, and it's like where he
Speaker 1: watches movies and YadA, YadA YadA. So the open section
Speaker 1: like he's like, oh, this is my game room, but
Speaker 1: there's nothing there but like one chair in the TV.
Speaker 1: I'm like, this is nothing. So I asked him, in
Speaker 1: my wifely way, hey, bo, can I have this section
Speaker 1: and turn it into a I told him I wanted
Speaker 1: to buy a treadmill and I was like, okay, I
Speaker 1: guess I can bring it upstairs and he was like, no,
Speaker 1: that's not gonna make sense on the hardware floors. I
Speaker 1: knew that. I knew that, but I was waiting for
Speaker 1: him to offer his basement and he was like, it
Speaker 1: should go to basement. I'm like, you know what it should.
Speaker 1: So that's exactly where it is. Slowly, shore I started
Speaker 1: moving on in I got like, Matt, and.
Speaker 2: Does he realize what he just gave up? Because wasn't
Speaker 2: that you're going to go It wasn't that your bargaining
Speaker 2: chip to get the designs that you wanted for the
Speaker 2: house was that he got the man cave. And now
Speaker 2: you're slowly this is this is a wife I know,
Speaker 2: slowly taking it back.
Speaker 1: I know, I'm like, and he's actually I thought that
Speaker 1: he was going to be like pissed about it, but
Speaker 1: actually because he realized, like I said, it's good that
Speaker 1: this didn't happen in the beginning, but now that he's
Speaker 1: seeing like how he actually uses the house, he realized, like, honestly,
Speaker 1: he doesn't use the other side. It's just open. There
Speaker 1: was nothing there. There was like some like two like
Speaker 1: Ikia random ikea office chairs for my old office, and
Speaker 1: he has a TV on the wall and like like
Speaker 1: some of his console, like he's got like a PlayStation
Speaker 1: or whatever. When I tell you, the only time he
Speaker 1: plays games or when we have kids over and he's
Speaker 1: showing them how to play games, so he's not really
Speaker 1: a game person. In the room wasn't big enough for
Speaker 1: a pool table, because with a pool table he's supposed
Speaker 1: to have, like he really wanted to pool there, but
Speaker 1: he's supposed to have like five feet around each side,
Speaker 1: but it wasn't big enough for that, so it was
Speaker 1: just basically empty. So now I've got a treadmill down there,
Speaker 1: and I've got mats, and I was like, how do
Speaker 1: I tell him I want to order more things? So
Speaker 1: I just showed him like, I think we should get
Speaker 1: this rower. Look how cool of this and he looked
Speaker 1: at me like, oh, here we go. So I ordered it.
Speaker 1: It's coming tomorrow.
Speaker 2: You get a Peloton bike.
Speaker 1: No that I know it been.
Speaker 2: I know it's hella expensive, but I have been honestly
Speaker 2: because there's no way I'm going to the gym anymore.
Speaker 2: And I'm like, Peloton bike, you can put that in
Speaker 2: a corner.
Speaker 1: And now I was like, people kept telling me that,
Speaker 1: but I said and not to say I would never,
Speaker 1: but I figured, so I'll give you the breakdown of
Speaker 1: the cost of everything I bought. So the it was
Speaker 1: in total twelve hundred dollars, which I think is fair
Speaker 1: because that's about two years worth of my gym membership.
Speaker 1: I have a La La Fitness or one of these memberships.
Speaker 1: And I did the math. It was two years worth
Speaker 1: of memberships. But I wasn't used.
Speaker 2: Is that like brand new equipment or did you go
Speaker 2: on Craigslist or Facebook?
Speaker 1: So I was like, so, yeah, the treadmill was five
Speaker 1: ninety nine. It's an order track and it was like
Speaker 1: I got it from Amazon. It was like five star reviews,
Speaker 1: YadA YadA, YadA. I love it the rower. It's such
Speaker 1: as a J jotto. I don't know, I'm not familiar,
Speaker 1: but either way, that was five star reviews and I
Speaker 1: haven't gotten it yet. It comes tomorrow. And the rower
Speaker 1: was around three fifty, maybe like three fifty five three sixty.
Speaker 1: And then I wanted this dip station because I don't
Speaker 1: like doing abs on the floor because I'm the type
Speaker 1: of person that's always pulling at my neck and I
Speaker 1: don't know how to do them right. So there's a
Speaker 1: dip station. It's like this thing where and I love
Speaker 1: it at the gym. You put your back against it,
Speaker 1: you put your elbows like kind of like in the
Speaker 1: L position, and you're holding onto these like poll things
Speaker 1: and you lift your feet up and then you could
Speaker 1: also do pull ups and all that kind of stuff,
Speaker 1: although I don't do all of that, but that's one
Speaker 1: of my favorite machines. And then I also got like
Speaker 1: some free weights, like for Christmas, I asked for like
Speaker 1: a yoga mat and some like a jump rope and
Speaker 1: free weights. So all together the dip station, I think
Speaker 1: it was like one to fifty. So you figure one
Speaker 1: hundred dollars for like the mats and the free weights.
Speaker 1: And stuff like that. One fifty for the dip station,
Speaker 1: three fifty for the rowing machine, and six hundred dollars
Speaker 1: for the treadmill. It was twelve About twelve hundred dollars
Speaker 1: is what the gym costs. And I did the math,
Speaker 1: and I forget my membership. It was like maybe like
Speaker 1: forty five bucks a month plus whatever La fitness, I
Speaker 1: don't remember, but one of the fitness places they also
Speaker 1: charged like one hundred dollars like annual random fee. So
Speaker 1: after doing all the math, in two years, it's about
Speaker 1: twelve eighty. It's what that membership costs me. So I
Speaker 1: feel like having this home gym, and I've been going
Speaker 1: every morning. I just I told myself twenty minutes on
Speaker 1: the treadmill, like, just do that, twenty minutes on the
Speaker 1: tread no stretch, that's it. And then I'll do that
Speaker 1: for a week and I'll build on there. So I'm
Speaker 1: excited because I'm like, I have this gym, it's right downstairs.
Speaker 1: There's no excuses. Even if I miss a day or week,
Speaker 1: I can easily get back because it's right downstairs. And
Speaker 1: for me, it was an investment. Then I'm happy about.
Speaker 1: So that is my boost. It's like, really, I really
Speaker 1: want to invest in overall wellness. Yes, all I would
Speaker 1: love to lose like ten to fifteen pounds, but ultimately
Speaker 1: that's not even what it's about. I just feel like
Speaker 1: I don't get enough movement, you know, like working from home,
Speaker 1: sitting a lot, and so this is just a great
Speaker 1: space because what I found is that like I'll watch
Speaker 1: TV and I sometimes like it'll be thirty minutes and
Speaker 1: I'm like, oh wow, because I've watched whatever. Or I'll
Speaker 1: listen to a podcast. What I really love is that
Speaker 1: when I wake up in the morning, I can look
Speaker 1: totally crazy going downstairs, because at the gym you have
Speaker 1: to look reasonably reasonable. But like literally I can have
Speaker 1: like lime green sweatpants, you know, like a raggedy like
Speaker 1: you know, a tank top with my sports bra, and
Speaker 1: my hair could still be in a bonnet and I
Speaker 1: could go work out and I keep my sneakers down there.
Speaker 1: So there's no resistance to working out because I don't
Speaker 1: have to leave, I don't have to get a car,
Speaker 1: I don't have to warm up the car, I don't
Speaker 1: have to look cute. I just go downstairs. So yay,
Speaker 1: hopefully you will you know, I don't know. I'm really
Speaker 1: happy about it. Like this morning, I was on the treadmill,
Speaker 1: like look at you, Tiffany doing things.
Speaker 2: I love the idea of a dip station, although I'm
Speaker 2: thinking like case ideas like like guacamole, like some salsa
Speaker 2: that's what's suspinis and artichoke dip stage. That's a whole
Speaker 2: different kind of dip station. But oh that's great, good
Speaker 2: for you. Just feel good And honestly, yeah, I don't
Speaker 2: like putting pressure. I've we've all fallen into that trap.
Speaker 2: The numbers, whether it's like I'm gonna save a million
Speaker 2: dollars this year like probably you won't, or I'm gonna
Speaker 2: lose one hundred pounds this year, like just one day
Speaker 2: at a time. People yeah, say that.
Speaker 1: Michael is just a I should move every day. That's it.
Speaker 1: That's like, that's if I can do that, like whatever
Speaker 1: movement looks like. I want to move every day. I
Speaker 1: don't always feel like going for a walk. Although I
Speaker 1: like walking, I don't always feel like it. So I'm like, well,
Speaker 1: you have a treadmill downstairs, get on it. You're gonna
Speaker 1: have a row or a row you know, you have
Speaker 1: your mat to whatever stretch, Like, I want to get
Speaker 1: in physical, purposeful physical activity every single day. And I
Speaker 1: feel like if I do that, Like I look at
Speaker 1: my dad. He doesn't go to the gym or anything.
Speaker 1: He's seventy five, but since we were kids, he's always
Speaker 1: done like like physical activity every day, whatever that might
Speaker 1: look like. And you know he's seventy five and healthy
Speaker 1: and strong. And I want that for myself. And that
Speaker 1: comes from consistent effort, not these surges of effort, Like
Speaker 1: that's not where real change is. Me changes me in
Speaker 1: daily consistent effort, and typically it looks like small things.
Speaker 1: So if you can do that, if I can commit
Speaker 1: to ten twenty minutes of small effort, then like your
Speaker 1: girl's gonna be good. Okay, you know what I'm saying.
Speaker 1: I love it.
Speaker 2: All right, we did it. We recorded a show. I
Speaker 2: have a baby, and we did a show. We did
Speaker 2: it not at our usual time, but we did it.
Speaker 1: That's okay. You know, I'm blackible. I'm like maybe whatever
Speaker 1: that I'll be use right.
Speaker 2: I feel like we're co parenting this child, close scheduling.
Speaker 2: All right, Well, thank you guys, against all the love,
Speaker 2: and we will be back weekly. So wish us, wish
Speaker 2: you all a happy and healthy new Year, and just
Speaker 2: happy to be back