Speaker 1: Hey, hey, hey, I feel jazzy, like, hey, hey, hey,
Speaker 1: that's my little baritone. You know I was an alto.
Speaker 2: As you can tell, Hi, you're very jazzy. That's two
Speaker 2: weeks in a row. Last week I was doing jazz
Speaker 2: hands backing you up.
Speaker 1: Right. So this is my an ambition for those of
Speaker 1: you knew bees.
Speaker 2: Out there where you've been spent four years?
Speaker 1: No, I know, we've been at the stag at the
Speaker 1: sang for a minute. That's crazy.
Speaker 2: Four years, episode one seventy seven.
Speaker 1: We oh, one hundred and seventy seven. My knees are aching.
Speaker 2: We're like full House, Like, what's a really long running
Speaker 2: sitcom or something?
Speaker 1: Now? Full houses have to be one four episodes.
Speaker 2: Right, Yeah, that's true. They did like allion seasons. Right.
Speaker 2: We're trying to get that Frands money, right.
Speaker 1: That ten year, that ten year money. You know at
Speaker 1: the seven year that's seven year, itch seven is a
Speaker 1: divine year.
Speaker 2: Let's see if we make it to seven, what would
Speaker 2: you even? What would we talk? Seven years? It could
Speaker 2: get I feel like our lives only get more interesting.
Speaker 1: Yeah, I believe.
Speaker 2: So you'll have twelve.
Speaker 1: Well I don't want twelve, just one, maybe two. I
Speaker 1: heard the Obama's getting a podcast. Did you hear they.
Speaker 2: Are just inking deals left in the Obama empire?
Speaker 1: Yeah?
Speaker 2: What they signed with Spotify's with Netflix. They have so
Speaker 2: many deals, deals on deals.
Speaker 1: I know, it's so crazy, Like you know, you had
Speaker 1: the you had the foresight, I must give it to you.
Speaker 1: Podcast was going to be a thank than you know.
Speaker 1: And I'm like, look at this, like i'd heard of
Speaker 1: them before. Of course, I'm trying to think, did I
Speaker 1: even listen to podcasts back then? I think I listened
Speaker 1: to like one and now like like it's like a
Speaker 1: thing for me, Like I love a good podcast.
Speaker 2: I've been I've been on this like it's you can't
Speaker 2: have both. Like I've been wanting to read more books,
Speaker 2: so I took a social media break in May, which
Speaker 2: really opened up my I was putting down my phone
Speaker 2: more often, and I was like, let me go to
Speaker 2: the library and get some books. And now that I've
Speaker 2: been reading more, I literally listened to a podcast like
Speaker 2: not even the Daily for the New York Times in
Speaker 2: like six weeks now. And I go through these phases,
Speaker 2: but I do love I love the I know it's trashy,
Speaker 2: but true crime podcasts are so good.
Speaker 1: My heart can't take it, honestly, Like I'm one of
Speaker 1: those people who are like.
Speaker 2: I hate for all the episodes to be there and
Speaker 2: then you binge them. You don't have to wait, you know,
Speaker 2: with the anticipation.
Speaker 1: Even me, like I will literally pause and like walk
Speaker 1: around like, oh my gosh, my gosh, it's getting too good.
Speaker 1: I like shake my hand, I got like shake my
Speaker 1: body out like I'm like I'm doing exercise, like like
Speaker 1: I feel like as I get older, I don't my
Speaker 1: anxiety when like a show gets too good and I'm like,
Speaker 1: oh my gosh, or like I don't know if this
Speaker 1: happens to you, but my secondhand embarrassment has been so heightened.
Speaker 1: You ever seen like something on TV You're like, I
Speaker 1: know it's a show, but it's you know, it's supposed
Speaker 1: to be an embarrassing moment for whoever the character, and
Speaker 1: I am like dying, like, oh my god, Like at
Speaker 1: Tiffany's it's a show. I'm like, I know, but it's
Speaker 1: so embarrassed. I'm like, you know what, no more teaving
Speaker 1: for you.
Speaker 2: We talked about this because you've said before how you
Speaker 2: really like absorb people's emotions, and that's what they're going through.
Speaker 2: I was watching Never Been Kissed Last Night, which I think,
Speaker 2: twenty years later is still an exceptional piece of film,
Speaker 2: and I but I was so embarrassed. Like I don't
Speaker 2: know if it's just that I've been reminiscing about my
Speaker 2: high school and college days lately, but I felt so
Speaker 2: I felt way more embarrassed for her, and like I
Speaker 2: wanted to just hug this character. Yeah, throughout the whole.
Speaker 1: Movie, Josie Grossy, Josey Grosy. It's such a good movie.
Speaker 2: It was either that I'm like at a hotel, you know,
Speaker 2: in the middle of Charlotte, like Corporate Park in Charlotte,
Speaker 2: North Carolina, for work for a couple of days. So
Speaker 2: I was scrolling through HBO go just wanted some comfort food,
Speaker 2: you know, in in a free movie form.
Speaker 1: Well, my one of my other favors that she's done
Speaker 1: is ever After. Have you watched that one?
Speaker 2: That was the other one I was between or ever After?
Speaker 1: Ever ever After is the is the j I probably
Speaker 1: watched that Gill be Sleeping, super Will be Sleeping, and
Speaker 1: I'm like, I'm just do a little ever After. I can't.
Speaker 2: I love It's, Oh my god, it is so good.
Speaker 1: I'm like you, Barrymore, I swear you because yeah, it's
Speaker 1: just like this awkward like but in the end you win. Anyway,
Speaker 1: I'm like, it's me, It's me.
Speaker 2: It's the best Cinderella story they've done, maybe Brandy's, but
Speaker 2: still Brady is more like, you know, jelly beans and
Speaker 2: and candy and just like black, beautiful, amazingness. Whitney Houston, like,
Speaker 2: come on, I am fantastical and magical, musical. But ever
Speaker 2: after it was just like my teenage heart.
Speaker 1: Yes it's everything. I'm like, how could you cheat? Like
Speaker 1: the true.
Speaker 2: All right, but what's happened in the world? Oh, last
Speaker 2: week we were talking about so your avocados are safe America.
Speaker 1: No, I was gonna say that. Look who little hands
Speaker 1: has decided to back down.
Speaker 2: He didn't back down. He still worked out a plan.
Speaker 2: This plan wasn't possibly worked out three months ago, but yeah,
Speaker 2: he came up with a new plan, and tariffs are working,
Speaker 2: and now Mexico is listening to everything we have to say.
Speaker 1: I was like, what are you talking about?
Speaker 2: I don't care. As long as my avocados are safe.
Speaker 2: The five percent tariffs on Mexican imports are not happening.
Speaker 1: Yeah, well my as well, Like randomly, I was like
Speaker 1: looking at you know, I was checking my I use
Speaker 1: Robinhood the APT just to buy like I don't invest
Speaker 1: seriously through robin Hood, but just like you know, stock here,
Speaker 1: stock there, just to kind of see like what my
Speaker 1: picks are. Like, I'm not gonna lie. I'm doing pretty good.
Speaker 1: And I bought Beyond Meat and it's doing like great.
Speaker 2: Wait a second, because I was just on CNBC.
Speaker 1: Just behind me, let me see, hold on, maybe that's
Speaker 1: not the right.
Speaker 2: Maybe you should check because the headline says Beyond Me
Speaker 2: dives five percent.
Speaker 1: No, no, no, it is doing well. It's doing great
Speaker 1: compared to what I bought it for.
Speaker 2: Let me just write, you got in early.
Speaker 1: Okay, yeah, I got it like I got it for
Speaker 1: like sixty bucks and now it's one twenty six. So yes,
Speaker 1: Beyond Me has as long as it doesn't go on
Speaker 1: too like sixty bucks that I'm good. That's what I mean.
Speaker 1: But you're right. I was like, yeah, it is down,
Speaker 1: trying to think today's highs Yeah, oh yeah, so fifty
Speaker 1: two weeks high was one eighty six, and but I
Speaker 1: would have loved to have gotten it at a low
Speaker 1: when it first opened at twenty five dollars. Can you imagine, Yes,
Speaker 1: that would have.
Speaker 2: Been nice, But how do you know? I mean, you know,
Speaker 2: I listened. It seems like you're having a good time
Speaker 2: with Robin Hood. I chickened the hell out with Robin Hood.
Speaker 2: I think I maybe had a thousand bucks in there
Speaker 2: with various investments, and then I was just like, let
Speaker 2: me get my money. Just like I don't know, I
Speaker 2: have these like moments of anxiety where I'm just like,
Speaker 2: never mind, I don't have the balls anymore. I don't
Speaker 2: want to see you know. Or I was like making
Speaker 2: money and then I got afraid I was going to
Speaker 2: lose it risk aversion, you know, however you.
Speaker 1: Want, Like like you said, I keep like I have just
Speaker 1: a like now I've got like a few thousand because
Speaker 1: I'll do like I'm gonna get two stocks of this,
Speaker 1: I'm gonna get three stacks of that, you know, And
Speaker 1: so overall, like I think I've had it for five
Speaker 1: years now.
Speaker 2: You were like from the beginning, Yeah, yeah, I'm trying
Speaker 2: to think one year.
Speaker 1: I have to see like when I signed up, and
Speaker 1: that's not five years ago. I don't know. But overall,
Speaker 1: my my full year. Oh since twenty sixteen, so that's
Speaker 1: not five years, that's like August fifth, twenty sixteen. So
Speaker 1: but no, thirty five percent I've had my investments have gone.
Speaker 2: Up damn so excellent.
Speaker 1: I mean, well, to be fair too, a lot of
Speaker 1: the stocks I haven't even bought a lot of them
Speaker 1: because I actually used acorns. They're not acorns. I use
Speaker 1: robin Hood like they're freebie. Like I think I said
Speaker 1: it in an email, like, hey, here's like, you know,
Speaker 1: an app that you can like buy stocks individually and
Speaker 1: track them. And so I put it in an email
Speaker 1: that people signed up, and I got a ton of
Speaker 1: free stocks. I'm not even gonna lie. I probably got
Speaker 1: like one hundred hundred shit and more than that, probably
Speaker 1: two with three hundred shares of like random stocks.
Speaker 2: Oh well, like they run promos like that every once
Speaker 2: in a while.
Speaker 1: So like, for example, they give groupon away, they give
Speaker 1: serious way, they give a sprint, and so like these
Speaker 1: are stocks that I just kind of got for free.
Speaker 1: So I'm like, okay, not for free, because you know,
Speaker 1: like like I said, I did have to pay for them,
Speaker 1: so I guess it is for free. But it was basically,
Speaker 1: like you know, if you sign up with my app,
Speaker 1: I get a free stock.
Speaker 2: That's even better.
Speaker 1: So that's why I haven't really like. That's why I
Speaker 1: guess why I like it is because I don't really
Speaker 1: have to put much money in. I'm just kind of like, oh,
Speaker 1: I get me a free stock, okay. And of course
Speaker 1: all the ones that they get that they given me,
Speaker 1: I'm like, they're all doing terrible. That's fine, that's fine.
Speaker 1: Oh but my Wayfair is doing good. You know what
Speaker 1: when I really started.
Speaker 2: What you know that jingle and then.
Speaker 1: Plus you know, because Wayfair that's jos in Maine, and
Speaker 1: what is it all modern? It's doing good. I bought
Speaker 1: up for eighty eight it's one fifty six now am
Speaker 1: So whenever I'm using like a company and I'm like
Speaker 1: going ham, I'm like, let me look to see their stocks,
Speaker 1: see how it's doing. It's just because I'm like, you know,
Speaker 1: if I'm overusing it, maybe other people are too.
Speaker 2: So yeah, that's how I read something about how house
Speaker 2: flipping is on the rise, which could be good for
Speaker 2: these furnishing companies.
Speaker 1: Ooh, true. You know what? I did you ever watch
Speaker 1: Working Girl?
Speaker 2: Like? I finally watch Working Girl. It's on Hulu for
Speaker 2: those of you, you know, late to the party of millennials. Yeah,
Speaker 2: it's good. Lily Thompson.
Speaker 1: And what's your name? No, No, not that working girl,
Speaker 1: working girl?
Speaker 2: What am I thinking of?
Speaker 1: I know what you're talking about. You're thinking about something else.
Speaker 1: I'm working Girl. It's with Melody Griffin.
Speaker 2: No, no, no, I haven't seen that. What am I
Speaker 2: thinking of that?
Speaker 1: Oh?
Speaker 2: Working nine to five? That's what I'm thinking of? Another classic?
Speaker 1: Oh well, No. The reason why I like working girls
Speaker 1: because you kind of like it's a great kind of
Speaker 1: like explanation of like well part of it anyway, like
Speaker 1: stocks basically and how it all happens and acquisitions. And
Speaker 1: I was like, oh, and so like she was like
Speaker 1: reading the newspaper and she made a tie in that, oh,
Speaker 1: some other industry is rising. So she was like, as
Speaker 1: a result, this other industry will likely also do well.
Speaker 1: And she was right, And so I just was thinking,
Speaker 1: like what you said that, like, hey, people are flipping houses,
Speaker 1: so by nature they likely are going to be looking
Speaker 1: for you know, furniture and whatever and wayfair and those
Speaker 1: kind of stories will likely get more business and their
Speaker 1: stock likely will go up. So it's like, you know,
Speaker 1: That's the thing that's interesting about stocks is that if
Speaker 1: you can make those kind of connections, that's where you
Speaker 1: can kind of win. I get this thing every month,
Speaker 1: oh were or every every other day. I forget. I
Speaker 1: think Robinhood says it to me, and I like it.
Speaker 1: I think it's called like Robin Hood snacks, and I
Speaker 1: like it because it just kind of gives you like
Speaker 1: snack bites of like kind of like stocks and what's
Speaker 1: happening and what's going on. So I really like I've
Speaker 1: been enjoying it because I'm not someone who's reading like
Speaker 1: the New York Times Financial section, and so I can
Speaker 1: just kind of read it and be like, hey, this
Speaker 1: is cool.
Speaker 2: Yeah, well, I'm proud of you for having the guts
Speaker 2: to woodstand, Robin Hood. I'm just like, for now, I'm
Speaker 2: a target date, fun girl. That's just my jam. I'm
Speaker 2: gonna get back in and eventually, eventually I'm gonna do
Speaker 2: something with my iray just like sitting there. It'd be
Speaker 2: fun to take or maybe I should get my husband
Speaker 2: to pick some stuff. I don't know. He you know,
Speaker 2: he was the one who wanted to go see Hamilton
Speaker 2: like three months before I hit Broadway. And I was like,
Speaker 2: that sounds stupid. I don't think I'm a good judge.
Speaker 1: And You're like, oh, did you ever end up going
Speaker 1: to see it?
Speaker 2: Oh? Yeah, we saw it. I loved it more than
Speaker 2: he did. And I was like, he's like, remember when
Speaker 2: I wanted to see it, like several months before anyone
Speaker 2: had ever heard about it, And you were like, eh, history.
Speaker 1: Now you're like, so yeah, don't don't.
Speaker 2: Don't listen to Mandy Analyst reports, I don't know what
Speaker 2: I'm talking about. Listen speaking of the New York Times,
Speaker 2: though I was just reading so we all know the
Speaker 2: well maybe you don't know, but the World Cup Women's
Speaker 2: World Cup is happening, and America is in the World
Speaker 2: Cup women's team. And alongside the fact that we're you know,
Speaker 2: fighting for our title in the World Cup, they're also
Speaker 2: in court women's soccer soccer players battling against their pay
Speaker 2: and claiming that there's been discrimination because like even though
Speaker 2: they're the you know versus the men's team, they actually
Speaker 2: win tournaments, and they've won the World Cup before, the
Speaker 2: women's team is still paid so much less in them,
Speaker 2: and like the prizes that they win for their for
Speaker 2: their games are a lot less. So they're battling it
Speaker 2: out in court. So girl power there. But isn't it
Speaker 2: like depressing? It is that of course they're they're winning
Speaker 2: more than the guys are. I don't even know if
Speaker 2: the guys made it to the World Cup this year
Speaker 2: but or whenever the last one was. I'm testing my
Speaker 2: soccer knowledge now. But anyway, but women are clearly, you
Speaker 2: know they and especially since they won the World Cup.
Speaker 2: I think it was like a few years ago, twenty
Speaker 2: fifteen or sixteen. Since then, like women's interest in women's
Speaker 2: soccer has like ways or passed men's soccer in the US,
Speaker 2: and it's growing a popularity and there's all this excitement
Speaker 2: and you know, they're getting bigger numbers and bigger turnouts.
Speaker 2: I think they're you know, the America's women competing in
Speaker 2: that World Cup where they won was one of the
Speaker 2: most watched sports events ever, especially in the soccer world.
Speaker 2: And yet they are still not being paid as well as.
Speaker 1: That's not fair, fair, it's not and so but I'm
Speaker 1: glad that they're fighting for that because that's I mean,
Speaker 1: that's the only way you're going to change it.
Speaker 2: So I remember, I remember doing this article at Yahoo
Speaker 2: where I interviewed. It's not just soccer. There's a lot
Speaker 2: of women's teams out there that because they're not you know,
Speaker 2: even just women's basketball players, like so many of them
Speaker 2: have to go overseas just to get to pick a
Speaker 2: good pages, you know.
Speaker 1: And then my friends did she played overseas? It was
Speaker 1: like there was no real opportunity here.
Speaker 2: Yeah, just like in love and basketball and she asked like,
Speaker 2: what did you play in Spain?
Speaker 1: Yes, or something like that. It's so funny how everything
Speaker 1: can be. You can find all of your life lessons
Speaker 1: in a movie.
Speaker 2: Yeah, but there's women's football leagues and these women it's
Speaker 2: not just some women, you know, it's not even about
Speaker 2: they don't get paid, Like if they injured, they have
Speaker 2: full time jobs and they're paying. They're playing because it's
Speaker 2: their passion project and they're basically paying to play and travel.
Speaker 2: And then if they get injured, they may not have insurance,
Speaker 2: they don't get any coverage, and then you know, they
Speaker 2: may their careers could be over without any kind of
Speaker 2: without any kind of support or backup because the league
Speaker 2: does not recognize them as an official league.
Speaker 1: Which that's really just like exactly that sucks boom. Have
Speaker 1: you seen this is not like a new new article.
Speaker 1: Well it was done in April. I guess I've been
Speaker 1: seeing this pop up more and more and more that
Speaker 1: the CNBC has This article, says walk manager colon, buying
Speaker 1: a home is usually a terrible investment. Here's why.
Speaker 2: Yeah, this has become like the equivalent if is coffee
Speaker 2: good but good for you? Or yeah for you? Headline?
Speaker 2: It toltally like the personal finance world, right because like,
Speaker 2: yes you can read. I bet you pop over that
Speaker 2: story and they're like, well, it can be a good
Speaker 2: idea if these three things, or a bad idea if
Speaker 2: these three things.
Speaker 1: And honestly two. I mean, I get it. But sometimes
Speaker 1: for some people, you know, buying a home, it's not
Speaker 1: just a financial decision. I mean not to say you
Speaker 1: shouldn't keep you should definitely keep finances obviously like a
Speaker 1: homelesstelln investment. But I think most people purchase their home
Speaker 1: not necessarily as a as a fear culture build wealth.
Speaker 1: I'm not saying that you shouldn't, but I feel like
Speaker 1: people purchase homes because you know, they're like wanting to
Speaker 1: live a specific place. Maybe you wanted to raise a
Speaker 1: child there, start a family. So you know, to me,
Speaker 1: if net net you come out even, I get it.
Speaker 1: Let's just say, like my parents bought their house. I
Speaker 1: think it was like two fifty when they bought their
Speaker 1: house in Westfield, and now I think it's like valued
Speaker 1: at like a seven six fifty seven hundred thousand. But
Speaker 1: you know they bought it when I was nine. I'm
Speaker 1: thirty nine now, so that's thirty years later. But you know,
Speaker 1: you think about like the work they put in and
Speaker 1: like property taxes, whatever, So maybe they come out a
Speaker 1: little bit on top. Maybe they come out you know,
Speaker 1: net net even. But I mean they wanted us to
Speaker 1: be raised in Westfield, this beautiful town. We have a
Speaker 1: beautiful backyard that butts up against the park. It was
Speaker 1: more than just a It was a financial choice, but
Speaker 1: it was more than just that. So I think that
Speaker 1: sometimes these financial articles don't take into consideration the home
Speaker 1: ownership is is a financial choice, but it's also an
Speaker 1: emotional one too.
Speaker 2: Yeah, and that's why you can't. I mean, as long
Speaker 2: as you're going into it with the right perspective. Hey,
Speaker 2: this house is not my guaranteed nest egg. I'm not
Speaker 2: going to put all my savings into it and expect
Speaker 2: it to give me my retirement one day. As long
Speaker 2: as you're not doing that, you're treating it as like
Speaker 2: one of the several types of investments that you have,
Speaker 2: then you know it can't. It can be a good
Speaker 2: part of a good piece of a balanced investment portfolio
Speaker 2: for me. You know, I'll let you know in ten
Speaker 2: to twenty years if buying a house was a good investment.
Speaker 1: I don't know exactly.
Speaker 2: It just was what my husband wanted and kept the
Speaker 2: peace exactly.
Speaker 1: And I'm sure you love it now.
Speaker 2: I mean it's okay. I our dishwasher, you've got a dog.
Speaker 2: I do have a dog. Oh, I'd love my Molly.
Speaker 2: I our dishwasher broke, and it's like ruining our marriage
Speaker 2: now because my I don't know. This thing is like
Speaker 2: brand spanking new, top of the line. And the thing is,
Speaker 2: these fancier dishwashers now give you an aerror code if
Speaker 2: there's any kind of moisture. And I guess there's a
Speaker 2: small leak, and of course, like the no, I don't
Speaker 2: want to get into it. But the you know, the
Speaker 2: people they sent out to fix it spent like forty
Speaker 2: five minutes smelled to high heaven, my god, just like
Speaker 2: stunk up my whole house and with their body odor
Speaker 2: and didn't even do anything, and we had to book
Speaker 2: another appointment. So but in our house, my husband does
Speaker 2: the dishes and it's a beautiful thing. He decided that
Speaker 2: I wasn't worthy. I don't love the dishwasher correctly, and
Speaker 2: I was more than happy to continue to be bad
Speaker 2: at it so that he would just take it over.
Speaker 1: That's like me, I'm not gonna lie, do not watch
Speaker 1: the dish.
Speaker 2: It's fine, you know, it's hey. He doesn't cook, so
Speaker 2: you know, it balances things out. But even when they
Speaker 2: were there, they were like, do you know what setting
Speaker 2: you guys usually use. I was like, maybe I've opened
Speaker 2: that thing three times. I couldn't look.
Speaker 1: Right, like it's here, but he treads it like a car.
Speaker 2: You know, he's over there just like inspecting it and
Speaker 2: like tinkering with it anyway.
Speaker 1: But yeah, like, well, one of the things I did
Speaker 1: learn about, like you know, for those of you who
Speaker 1: are and then we'll wrap with the segment, Well, one
Speaker 1: of the things I'd learned is that like, so I
Speaker 1: didn't get I got like the everybody was telling me
Speaker 1: like all the I don't know, techy guys, they were like,
Speaker 1: make sure you get a warranty or not a warranty,
Speaker 1: a warranty right on the refriger rate, and for sure
Speaker 1: most of.
Speaker 2: Them come with like a you know, at least a
Speaker 2: year warranty, like knew about.
Speaker 1: They're like it's worth it, Like it's worth the extension
Speaker 1: because bridges aren'tously expensive to fix, and they almost always
Speaker 1: especially if you've got like the ice maker and all
Speaker 1: that kind of stuff, They're like, it's worth a warranty. Literally,
Speaker 1: every single guy I know that was like, you know,
Speaker 1: like mechanicy whatever I don't even know the word for it,
Speaker 1: was like definitely they're like the stove not so much
Speaker 1: like you know, you can whatever it comes with is
Speaker 1: typically fine. They still typically don't break down as much
Speaker 1: and they're not as expensive to fix. I didn't hear
Speaker 1: about them, you know, I never even asked about the
Speaker 1: I'm gonna ask like my mechanicy guy friends like should
Speaker 1: I like should I get because I didn't get a
Speaker 1: warranty on the dishwasher, but I definitely got like a
Speaker 1: three year one and everybody was like no longer. I'm like, really,
Speaker 1: they're like I'm telling you the refrigerator at some point,
Speaker 1: the ice maker is going to stop working, and you're
Speaker 1: you're it's the expense of like replacing the part and
Speaker 1: this or that is gonna be that warranty for the year.
Speaker 1: I'm like, whoa, So I'm actually that's one of like
Speaker 1: on my to do list is to extend my warranty
Speaker 1: on my on my on my fridge.
Speaker 2: Hmmm. Interesting, I'll have to look into that. I actually
Speaker 2: don't know. He was also in charge of purchasing the appliances,
Speaker 2: so I don't know if he did any like extended
Speaker 2: warranties or anything like that.
Speaker 1: Like I said, Like I said, fridge is the one
Speaker 1: to invest and if you're gonna do it, That's what
Speaker 1: I've heard from the word on the street.
Speaker 2: Well, the people who owned the house before had the
Speaker 2: same fridge for like thirty years, so they're probably laughing
Speaker 2: all like laughing at us with her.
Speaker 1: We have those new appliances for real, Like I mean,
Speaker 1: the fridge that just opens with nothing on the outside.
Speaker 1: Those fridges last longer the people's lives, So like Grandma's
Speaker 1: not here fridges, but like these new fancy fridges, Oh
Speaker 1: my gosh, like the door door fridges. Yeah, tap on
Speaker 1: the front and you can see inside. I mean you
Speaker 1: could just open it and see inside. So yeah, they're
Speaker 1: so fancy. Now. It's like cars remember before, Like you
Speaker 1: didn't have to worry about your car window getting stuck.
Speaker 1: It just was a roll. You just roll. Well, you're
Speaker 1: probably too young, but you used to roll it, remember,
Speaker 1: but you to.
Speaker 2: I might have rolled my two thousand and three Ford
Speaker 2: tours a couple of times. That was my first car.
Speaker 2: I thought I was really styling with that Ford Tourist too,
Speaker 2: till my cousin was like, that's a grandma car.
Speaker 1: And You're like, what those are? Just hate all? It
Speaker 1: takes this one person to say something and you're like
Speaker 1: your whole perspective of your life changes. You're like, my
Speaker 1: life is not the same. We gonna take questions.
Speaker 2: We will right after this short break stick with us.
Speaker 2: Oh that was a nice little that was like a
Speaker 2: news segue. Take a quick break and be right back
Speaker 2: to answer your questions.
Speaker 1: Questions q U E. S. Jones. I don't want to
Speaker 1: mess with the spelling because I'm not that great of
Speaker 1: a spower.
Speaker 2: Oh okay, I mean at least hear honest about it.
Speaker 1: Yes, I can't wait. I heard we have some really
Speaker 1: good questions.
Speaker 2: You know, you guys have been gramming me. I think
Speaker 2: I'm just gonna stick with the whole Graham thing. Wait
Speaker 2: are we getting a question live right now? Oh my goodness,
Speaker 2: I don't know if I can answer that. Thank you
Speaker 2: guys for sending your questions via Instagram. I guess that's
Speaker 2: like our thing now. Is that how we're going to communicate?
Speaker 2: I mean, that's fine. We are at Brown Ambition podcast
Speaker 2: on Instagram. Again, if you're going to send a question,
Speaker 2: just send me a DM directly. Don't tag us in
Speaker 2: your stories because I always like it's frustrating as people
Speaker 2: tag us and then I you know, they only have
Speaker 2: twenty four hours to see it, and then I have
Speaker 2: no idea what they said. So if they're talking smack,
Speaker 2: I never know. All right, let's do that. Let's do
Speaker 2: a question. We haven't done any side hustle questions before.
Speaker 2: This question comes from Instagram user Alissa Alisa Zilla on Instagram.
Speaker 2: She says, I just started listening to your podcast be
Speaker 2: a stitcher, and I've become a huge fan. I have
Speaker 2: a question, what are some good side hustle ideas when
Speaker 2: you have a really busy job. Good question do you
Speaker 2: want to take? Do you wanna? Uh?
Speaker 1: Well, I'm not like I'm not a super side hustler,
Speaker 1: but I do know Sandy from you know, we had
Speaker 1: her on right with Sandy here when I was in here.
Speaker 2: Listen, we still have not has had Sandy Smith on
Speaker 2: this show.
Speaker 1: I know, I know you guys are gonna love her honestly. Yeah,
Speaker 1: I well, she's a side hustle clean and she's amazing.
Speaker 1: So I'm just gonna share some of the stuff. Like
Speaker 1: you know, this is not my own genius. It's just
Speaker 1: some like stuff that Sandy. Sandy actually has like this
Speaker 1: like side hustle sheet. Maybe we could find it like
Speaker 1: link and link in the show notes. But I remember
Speaker 1: one thing she was like, so like, let's just say
Speaker 1: you live in the city and you happen to have
Speaker 1: a driveway, you might rent out your driveway for like
Speaker 1: you know, like like, for example, I live in Newark
Speaker 1: in one of the houses that I bought is close
Speaker 1: to a train station, and so we're gonna rent out
Speaker 1: because it's it's a multi it's gonna be a multi
Speaker 1: family house. So any so we could potentially rent out
Speaker 1: a driveway space for that you could rent how attic space.
Speaker 1: Sandy made eighty thousand dollars in a year or so
Speaker 1: on Amazon, selling like, you know, mugs and T shirts
Speaker 1: and stuff on Amazon. She had a full time job
Speaker 1: as an HR professional, and so she made the eighty
Speaker 1: thousand because she wanted to pay off her student loan debt,
Speaker 1: which she did. So there's always that it doesn't have
Speaker 1: to be like your full time I think, I mean
Speaker 1: asking yourself like there's braiding here, there's making cookies, there's babysit.
Speaker 1: I used to babysit all the time. I used to tutoring,
Speaker 1: light lifts.
Speaker 2: I mean podcasting. This is a side hustle.
Speaker 1: That's true. That's true. No, I never thought about that.
Speaker 2: You're right, we'll make it a little some and something.
Speaker 1: And there's a young woman I can't remember her name,
Speaker 1: but like now it's become her full time thing. But
Speaker 1: she used to she creates really healthy recipes for busy millennials,
Speaker 1: and I think people pay like ten bucks a month
Speaker 1: and she sent you recipes for like the month or whatever,
Speaker 1: and they're like really great. But she's grown a seven
Speaker 1: figure business as a result. I was literally just just
Speaker 1: selling like access to recipes, which I thought was great
Speaker 1: if you're a teacher, And this is something like I
Speaker 1: would have done if I was still teaching, is if
Speaker 1: you have great lesson plans. I know a young woman
Speaker 1: that sells her lesson plans because she does really detailed
Speaker 1: lesson plans. And if you've ever been a teacher of
Speaker 1: writing lesson plans is that pain in the butt. So
Speaker 1: she does these detailed lesson plans and then she does
Speaker 1: like new ones every month for the month, and you know,
Speaker 1: you do a subscription so you can print them out
Speaker 1: and you don't have to do lesson plans, and you
Speaker 1: had you can already know what she's gonna do with
Speaker 1: your kids for the for the for the month. So
Speaker 1: that's another really great one to me. The best side
Speaker 1: hustles are like intellectual ones, meaning like they don't require
Speaker 1: physically doing something, you know, because because your time is limited,
Speaker 1: that's what I'm assuming that you mean by busy. So
Speaker 1: if there's some sort of knowledge that you can sell
Speaker 1: that you know, that's always a great side hustle. But yes,
Speaker 1: Andy had like this whole sheet that I was like,
Speaker 1: oh my gosh, I never thought of these things. One
Speaker 1: of the things I used to do all the time
Speaker 1: was I used to do studies when I was like
Speaker 1: a super broke college kid. Well MeOH my life.
Speaker 2: My husband used to do those too.
Speaker 1: Yeah, okay, so my I've done sleep studies. Well I'm
Speaker 1: not just sleep studies but his studies in general and
Speaker 1: focus groups, and so one time I did the sleep study.
Speaker 1: I didn't want to do it by myself because you
Speaker 1: actually had to like sleep over at the sleep study place.
Speaker 1: So my roommate, my college roommate, and I did it. It
Speaker 1: was twenty five hundred dollars. I forget what they were
Speaker 1: like looking for or studying, but I've done studies on
Speaker 1: like soap, where they're like, gave you soap to take home.
Speaker 1: You're supposed to wash your face with it, which I
Speaker 1: was like, not me. I used to wash my hands
Speaker 1: with it because I was like, you will not be
Speaker 1: ruining this complexion, but don't be like me, because clearly
Speaker 1: they were like taking pictures in my face every week,
Speaker 1: and I did start to feel guilty, like this is
Speaker 1: not even real. But I've definitely done a ton of
Speaker 1: focus groups, I remember, which was actually really cool. I
Speaker 1: did a focus group once on the Wizarding World of
Speaker 1: Harry Potter. It was yes, they did. They gave me
Speaker 1: two hundred and fifty dollars. I went to the city
Speaker 1: and they wanted me to sit in this room and
Speaker 1: on the main screen was like a mirror of the
Speaker 1: computer screen, and they said, pretend like you're booking a
Speaker 1: vacation to Universal Studios and you want to go to
Speaker 1: the Wizarding World of Harry Potter. So I think it
Speaker 1: was just coming out, or I don't know, or they
Speaker 1: were just rebuilding the website. So they just wanted to
Speaker 1: see if the website was like it was easy to navigate.
Speaker 1: So I would navigate and they'd be like, watch you
Speaker 1: press that button. I'm like, cause it was right here,
Speaker 1: I guess because I noticed it because it was red.
Speaker 1: So they were just like watching how do people naturally
Speaker 1: navigate the site? And it was so crazy because maybe
Speaker 1: a few years later I ended up taking Supergroom, my
Speaker 1: bonus daughter to Harry Potter, and I was like, oh
Speaker 1: my gosh, and I was booking it and I was like,
Speaker 1: I go this site. Glad to see they took my advice.
Speaker 1: I mean, well, I don't know if there's a but yeah,
Speaker 1: that's I mean studies. I found a lot of focus
Speaker 1: groups and studies on Craigslist. Was actually I think focus
Speaker 1: groups dot com. They still call me to this day.
Speaker 1: They called me maybe like a few weeks ago, saying, hey,
Speaker 1: would you like to And I was like no, but
Speaker 1: you know it's typically one hundred dollars or more. But
Speaker 1: if you're really busy, you might not have the time
Speaker 1: for that. But like I said, if you know something,
Speaker 1: see if you can sell it for You can create
Speaker 1: like a like canva c a n BA instead of
Speaker 1: canvas with s take off the s. You can make
Speaker 1: like little PDFs, and you can create things that people
Speaker 1: can download. Let's just say, like I said, you're really good,
Speaker 1: like you got an awesome kid who's like super smart,
Speaker 1: how to raise kids or whatever it is, and you
Speaker 1: sell it for under ten bucks anywhere from five bucks,
Speaker 1: two bucks, three bucks, and you know you're you're you
Speaker 1: post it on social So to me, like I said,
Speaker 1: intellectual kind of property is like it's a great way
Speaker 1: to make money without having to do a whole bunch
Speaker 1: of work.
Speaker 2: Yeah, and I'll just add, especially if you're really busy
Speaker 2: with the job, Like you know, I said this podcast
Speaker 2: as a side hustle, and if it weren't something that
Speaker 2: I genuinely enjoyed, it would be such a pain, even thoughough,
Speaker 2: even though it's not a huge time suck, do something
Speaker 2: that you enjoy and like try and take advantage something
Speaker 2: that you're already good at so that it doesn't feel
Speaker 2: like additional work. But I take advantage of some like
Speaker 2: in this gig economy there I mean, I use. I
Speaker 2: can just list off at least a handful of gig
Speaker 2: economy apps that I use every day that make my
Speaker 2: life easier and could be a great side hustle if
Speaker 2: you've got the time. So one of them is my
Speaker 2: dog walking app wag, which a lot of I do
Speaker 2: get like a variety of different walkers, and they all
Speaker 2: have different backgrounds, like their college students and they had
Speaker 2: the summer off, or like my very favorite dog walker,
Speaker 2: he just wanted a career change and just decided to
Speaker 2: as a segue he would do a few side hustles,
Speaker 2: including being a wagwalker. There's of course, like Uber and Lyft.
Speaker 2: There's task Rabbit, which I use all the time, especially
Speaker 2: like if you run like offices, if we need someone
Speaker 2: to build furniture or something. We'll use task rabbit. There's
Speaker 2: a lot of things out there, but I think the
Speaker 2: best side hustle is one where it's a talent that
Speaker 2: you have, that you enjoy doing and you can monetize it. Yes,
Speaker 2: so start from there, because if you don't enjoy driving
Speaker 2: or using gas and miles, or you don't enjoy dogs, like,
Speaker 2: that's not going to be this side hustle for you.
Speaker 1: Yeah, And like I said, just figuring out what you
Speaker 1: already had to know and figuring out how do I
Speaker 1: monetize that. Social media is like so your friend you
Speaker 1: know you actually you know, and I'll leave you this
Speaker 1: piece of advice. There are literally side hustle groups on Facebook,
Speaker 1: so just type in side hustle and see like what
Speaker 1: kind of comes up. Because you can join those groups
Speaker 1: and ask and you know, there might be somebody who's
Speaker 1: rocking out killing it. You're like, well, I never thought
Speaker 1: about it that way. So that's definitely because if you
Speaker 1: are going to want to sell stuff online, you're gonna
Speaker 1: want to know, well, what website and how do I
Speaker 1: do this? And those groups can really help guide you
Speaker 1: because I'll have people in there that are doing it. Already.
Speaker 2: Oh that's a great tip. Yeah, side hustle. I mean
Speaker 2: there's podcasts about side hustles. I almost just blurted out
Speaker 2: one that I think I've seen before, Side Hustle Nation there.
Speaker 2: It's just there's tons of resources out there, so good look,
Speaker 2: it's a good time to be a side hustler.
Speaker 1: It is.
Speaker 2: Thank you for your question, Eliza Aliscilla if I got
Speaker 2: that right. And let's see, there was one in here
Speaker 2: that mentioned my favorite person ever, Dave Ramsey, and that's
Speaker 2: never mind. I don't even want to go there because
Speaker 2: y'all come for Dave Ramsey. If you're Dave Ramsey, I
Speaker 2: know I'm not.
Speaker 1: That's boys, I've gotten it before.
Speaker 2: I love to like, I love to stir the little
Speaker 2: hornet's nest. But anyway, let me find this question. Oh y'all,
Speaker 2: Instagram is not easy to navigate. Okay, here we go.
Speaker 2: So this question comes from listener Carries. It's a pretty name,
Speaker 2: all right. She is, Hi, Mandy and Tiffany. I ran
Speaker 2: across your show from another Instagram user's post. I have
Speaker 2: a question about credit scores. I've done Dave Ramsey's financial
Speaker 2: peace class in the past and understand his perspective about
Speaker 2: the credit score being less important, and listening to you
Speaker 2: on your podcast and others in the financial space, I
Speaker 2: was surprised to see that you guys emphasize credit scores
Speaker 2: and credit worthiness. Can you explain where you're coming from?
Speaker 2: Is that meant for those who are trying to do
Speaker 2: better financially but not as much for those who want
Speaker 2: to be financially free? I love the show, Keep giving
Speaker 2: us the greatness.
Speaker 1: Oh is that a little bit of shit in there? Like?
Speaker 1: I mean for those other folks who don't want be
Speaker 1: financially pre who's that because you have a credit card
Speaker 1: you don't want to be financially free?
Speaker 2: But that's I mean, you take this one because I
Speaker 2: know that you've you've gotten this question before and you
Speaker 2: have some thoughts on like because Dave Ramsey's philosophy is
Speaker 2: that credit cards are the devil, and the devil is
Speaker 2: a lie and you should help them up right? That
Speaker 2: did I sum it up?
Speaker 1: Well? Here's the thing. So my personal the way I
Speaker 1: operate as Tiffany, I actually operate closer to the Dave
Speaker 1: Ramsey message method than because I don't I don't have
Speaker 1: any credit card debt, I paid off in four I
Speaker 1: rarely use my credit card. I pay I even pay
Speaker 1: for my houses in cash, including my car. Superman bar
Speaker 1: his car cast So I'm not here to say Dave
Speaker 1: Ramsey is the worst, because the truth is the way
Speaker 1: I live my personal life is more in alignment with that.
Speaker 1: But I am also someone who believes that you have
Speaker 1: to meet people where they are. And I don't even
Speaker 1: believe that there's one way to financial freedom because I
Speaker 1: didn't always live like that. And truthfully, the reason why
Speaker 1: I pay for everything in cash, it's not, honestly the
Speaker 1: healthiest reason is because I'm afraid because I have not
Speaker 1: gotten over the procession, and I carry too much cash
Speaker 1: with me. And at one point I had so much
Speaker 1: that I actually was I had to do something, so
Speaker 1: I bought a house. That's not healthy, you know. So.
Speaker 1: But here's the thing about credit. I used to believe
Speaker 1: that credit was the devil. It is not. That credit
Speaker 1: is not just for people who are looking to borrow. So,
Speaker 1: great you have a house, Great you might have a car.
Speaker 1: But here's the thing. Like maintaining a decent credit score,
Speaker 1: it's only helpful. It does not hurt you to maintain
Speaker 1: a decent credit score. It doesn't mean that you have
Speaker 1: to get more credit or you have to borrow whatever,
Speaker 1: But just being mindful of your credit is going to
Speaker 1: be helpful because it's not just about you know, you
Speaker 1: already have your house, you already have your car, because
Speaker 1: eventually you might want another car, Eventually you might have
Speaker 1: to rent a car. Eventually, actually might want to get
Speaker 1: a job. Yep. That like my mentee was she graduated
Speaker 1: law school and she was scared that she was not
Speaker 1: going to be hired because they took her credit score
Speaker 1: into consideration. There are, like I knew, not just lawyers.
Speaker 1: I knew a young woman that didn't get She worked
Speaker 1: at a truck like a truck driving company, and I
Speaker 1: forget what role she wanted to play, but she wanted
Speaker 1: to get a promotion and had she came to my
Speaker 1: class because they would not give her a promotion until
Speaker 1: she in order for her to move into this new position,
Speaker 1: she had to have a credit score of a particular
Speaker 1: number or better. So credit is not just about borrowing.
Speaker 1: There are aspects of your life that are affected by credit.
Speaker 1: That's why I said just in general, because a woman
Speaker 1: that told me once, Mandy, that like, let my credit
Speaker 1: score go to zero. I don't care. I already got
Speaker 1: my car.
Speaker 2: In my house.
Speaker 1: I'm like says, So here's the thing. If you know,
Speaker 1: like I said, if you ever want to get a
Speaker 1: to rent a car, if you ever want to get
Speaker 1: another car, certain job. But not just that. But like
Speaker 1: I know that the PC and G I live in
Speaker 1: New Jersey, so it's like coneticon in like New York
Speaker 1: and other places. So that is our energy company they have.
Speaker 1: They have the ability to actually charge you more poor
Speaker 1: kill a bot or kill a lot whatever. That that
Speaker 1: energy measurement is if you have poor credit. So literally
Speaker 1: your electric bill could be higher if you have poor credit.
Speaker 1: So that's why I just share with people that, like,
Speaker 1: credit is not just about credit cards. Credit is about
Speaker 1: your ability to pay back. That's what they're judging. They're
Speaker 1: not judging and saying you got credit cards, They're saying,
Speaker 1: have you proven that you have the ability to pay back?
Speaker 1: Because if you do, that means that there's a certain
Speaker 1: level of a level of financial integrity that pours into
Speaker 1: other parts of your life. So we're using that to
Speaker 1: judge you whether it's right or not. You know, I
Speaker 1: don't know this is still legal, but I remember at
Speaker 1: one point, if you had Dad credit, your your car
Speaker 1: insurance was higher in New Jersey. But I'm not sure
Speaker 1: if that's still legal. I vaguely remember like there was
Speaker 1: some law pass saying they couldn't do that, but like
Speaker 1: your cornsurance. So I didn't say all that to say that, like,
Speaker 1: you know, like I I you know, I live in
Speaker 1: alignment with a lot of Dave Ramsey's principle. Let me
Speaker 1: not even say Dame Ramsey's principles because he is not Jesus.
Speaker 1: Like a lot of these principles are just principles that
Speaker 1: Dave Ramsey is just reiterating. But he didn't invent these principles.
Speaker 1: These principles have been here. There are literally books that
Speaker 1: were around before he was born that these principles have
Speaker 1: been shared in. And so I never I've not read
Speaker 1: anything of Dave Ramsey's principles. And and yet the way
Speaker 1: I live my life, this is what I learned from
Speaker 1: my dad. He doesn't know who Dave Ramsey is. This
Speaker 1: is what he learned from his dad. These are just
Speaker 1: general principles of life. But I don't want that that
Speaker 1: you look at credit with your nose turned up, because
Speaker 1: the truth of The matter is, if you live in
Speaker 1: the United States of America, oftentimes your credit score is
Speaker 1: really going it's going to affect more than just your
Speaker 1: ability to borrow. And so I don't want you to
Speaker 1: be caught, you know, by asking you might want this
Speaker 1: amazing new job, and they're like, yeah, well we need
Speaker 1: to know what your credit score is. It's like, wait, what,
Speaker 1: I didn't know. I let it go because I already
Speaker 1: have the things that I need. And like I said,
Speaker 1: you don't have to borrow in order to maintain a
Speaker 1: decent credit score. Just continue paying you know, monitory. You
Speaker 1: might look at it just a couple of times a year.
Speaker 1: And yeah, and I don't think we talked The reason
Speaker 1: why we talked about credit a lot on our show
Speaker 1: is because people ask, you know, not because I don't
Speaker 1: think me and Mandy, I mean me and Mandy. I
Speaker 1: mean you're you're a payer down or like I am.
Speaker 1: You know, Mandy can't stand debt either, you know.
Speaker 2: So I don't even care of a zero percent that
Speaker 2: I have learned. I cannot stomach it. I keeps stay
Speaker 2: up at night and my husband's like, why are you
Speaker 2: stressing out? I'm like, cause it's there. And like what
Speaker 2: if X y Z.
Speaker 1: Yeah. So I don't think we like tout it right,
Speaker 1: I feel like we know. I feel we live more
Speaker 1: in the line with Abrams these principles. But it's just
Speaker 1: that we understand that there are folks who need who
Speaker 1: are needing that information, and they ask we're going to answer. Yeah.
Speaker 2: I mean, listen, there are people who were in a
Speaker 2: bad situation and they're already there, So does it help
Speaker 2: me to tell them, Hey, you should have never done
Speaker 2: that in the first place. And no, we try to
Speaker 2: give advice that's realistic for the people and like meet
Speaker 2: you guys where you're at. And I think like, if
Speaker 2: you've managed to maintain a high credit without it, you know,
Speaker 2: without a credit card, or you haven't used credit cards
Speaker 2: in a while and it's working for you, or you
Speaker 2: don't trust yourself with cards and you know better and
Speaker 2: you want to like keep them away from yourself, that's cool.
Speaker 2: But yeah, there is a benefit if you can, if
Speaker 2: you're responsible with credit. And I think when we talk
Speaker 2: about credit, it's always about the way to use it,
Speaker 2: the smart way, so that it's working for you and
Speaker 2: not against you and you're not actually giving money to
Speaker 2: you know, major credit card companies or banks and just
Speaker 2: kind of falling into that that endless debt cycle, which
Speaker 2: is really terrible. So I like see where the anti
Speaker 2: credit card sentiment comes from. But sometimes that's just not
Speaker 2: where people are at, and you've got to we've got
Speaker 2: to meet them, meet you guys.
Speaker 1: Some like the the when people are like, oh my gosh,
Speaker 1: you know, teenage just preach abstinence. It's like, right, why
Speaker 1: they're going to have some sex? Like yes, well some
Speaker 1: teenagers like adhere to the abstinence, like yeah, but it's
Speaker 1: not you know, like it's not fair to only say, hey,
Speaker 1: teens just don't have sex, because the truth is some
Speaker 1: are going to. So if we don't give them, you know,
Speaker 1: like the if we don't give them education about it,
Speaker 1: then they're going to seek it out on their own
Speaker 1: and they're almost always going to be wrong. And so
Speaker 1: it's just like, well, this is happening, and so there
Speaker 1: should be a well round I don't I believe is
Speaker 1: there should be a well rounded approach to financial education.
Speaker 1: I don't believe in extremes because we don't live in extremes.
Speaker 1: I feel like finding where people are and guiding them
Speaker 1: towards where they want where they want to be, not
Speaker 1: where I think they ought to be. That's another thing too.
Speaker 1: I really believe in, you know, financial education without the judgment,
Speaker 1: because I mean, I used to be, because I used
Speaker 1: to be like financially perfect, like oh I did this,
Speaker 1: I did that, and then it all fell apart during
Speaker 1: a recession, and it humbled me real quick, like oh
Speaker 1: so so the things happen and I could say, I mean,
Speaker 1: like I said, I use credit what the last trip
Speaker 1: I went on, the last two trips to me and
Speaker 1: my husband went on points? Okay, like those credit card points,
Speaker 1: like I I mean, because I pay my credit cards
Speaker 1: off every month, but I use them a lot on purpose,
Speaker 1: so I could pay them off every month because I'm like,
Speaker 1: I don't use them a lot for random things, like
Speaker 1: I use them for things I was going to pay,
Speaker 1: like I'm gonna pay this bill anyway, put it on
Speaker 1: a card, pay it off in full automatically, and then
Speaker 1: why use the points to travel? And we went to
Speaker 1: Jamaica for free. We've been Mexico for free and it
Speaker 1: was awesome and so yeah, so used wisely. But I
Speaker 1: know most people it's hard to use credit cards bizly
Speaker 1: for a lot of people. So I do suggest the
Speaker 1: folks who are not quite ready to manage it wisely
Speaker 1: to really not use them until they're in a space
Speaker 1: and a place where they can, you know. And I
Speaker 1: could say, honestly, I'm I am. I hate to say
Speaker 1: I'm financially free, because I could stop working now, but
Speaker 1: it's not where I want to be. So I hear,
Speaker 1: I'm an example of someone who's used credit cards, who's
Speaker 1: messed up, who still uses credit cards. But and if
Speaker 1: I didn't want work anymore, I could and still maintain
Speaker 1: the lifestyle that I have now. But I just have
Speaker 1: I have bigger goals of where I want to be.
Speaker 1: But I'm technically financially free, and you know, credit cards
Speaker 1: in my life, so it's possible to do.
Speaker 2: Both financially free. Well, we were talking about fire last week,
Speaker 2: and I feel like financial freedom means something different for
Speaker 2: every single person you know. For you, For some people
Speaker 2: that might mean give me an RV trailer and a
Speaker 2: mountaintop and no expenses, and I got ten bucks to
Speaker 2: my name, and I'm free. For some people that you know,
Speaker 2: they might want a house paid off, or you know,
Speaker 2: other things like you just have to make your own
Speaker 2: such your own goals and then set your own ways
Speaker 2: of getting there and make peace with yourself. So thank
Speaker 2: you for your question. Hopefully you know we didn't piss
Speaker 2: off any of Dave Ramsey fans or anti or pro abstinence.
Speaker 1: By exactly. I mean, I know people like I don't
Speaker 1: like it.
Speaker 2: Look ichnical, time the babies to have sex.
Speaker 1: Like, no, I'm not.
Speaker 2: Thank y'all for your questions. Again, we're Brand Ambision Podcasts
Speaker 2: on Instagram. Send us a d M with your questions.
Speaker 2: Try to keep them concise and tight and to the
Speaker 2: point makes my life easier. Or you can hit us
Speaker 2: up on sorry an email at brand Ambisson podcast at
Speaker 2: gmail dot com.
Speaker 1: God, is it time for boosting a break? Get a
Speaker 1: boost and a break, Get a booster to break true?
Speaker 2: That whatever key that was, I liked, that's the.
Speaker 1: Key of t Are you gonna boost? Are you gonna break?
Speaker 2: I want to do a boost because I saw this.
Speaker 2: It was like literally the day after we had our
Speaker 2: talk last week about the fire movement and trying to
Speaker 2: explain our takes on it, The New York Times posted
Speaker 2: this article interviewing which I love. You know, I'm thinking, like, damn,
Speaker 2: why did. I signed this story with my writers. But
Speaker 2: one thing that I think we don't know if we
Speaker 2: mentioned it straight up, but it was definitely been reading
Speaker 2: between the lines of what I would saying is that
Speaker 2: one of the things that drives me nuts about the
Speaker 2: Fire movement is that's a lot of white dudes, like
Speaker 2: wealthy white dudes or white dudes you have privileges who
Speaker 2: are now financially free, and the movement can't isn't always
Speaker 2: that accessible to people of color, women and whatnot. And
Speaker 2: the New York Times that are really great article with
Speaker 2: the headline for these women a fire that burns two
Speaker 2: male and two white, and it interviews women of color
Speaker 2: who are doing their own version of the Fire movement
Speaker 2: and just kind of talk about like how the browness
Speaker 2: of the Fire movement can make people feel left out.
Speaker 2: And I thought that was a great story. So I'm
Speaker 2: gonna link to that in our show notes. Check it
Speaker 2: out and shout out to I think one of the
Speaker 2: women who was interviewed runs the blog called or They're
Speaker 2: at Instagram at rich and regular. I love that, Yeah,
Speaker 2: so check them out and check out the story. And
Speaker 2: it's just like, yeah, sister's a reminder that like, I
Speaker 2: think there's room for the bros and every you know,
Speaker 2: the rest of us to get into this movement together.
Speaker 2: But it's just nice to have the spotlight on the
Speaker 2: fact that not everyone's like I was just saying, not
Speaker 2: everyone's version of financial freedom is the same. You know,
Speaker 2: it can and certainly if you're a woman of color,
Speaker 2: you know, two strikes against you. You're welcome and you've
Speaker 2: got you've just got hurdles in front of you that
Speaker 2: that some people don't have. I thought it was hilarious
Speaker 2: how one of the people I forget who was who
Speaker 2: it was who said this, but she was like, listen,
Speaker 2: I need to factor in the cost to keep maintaining
Speaker 2: my hair care, you know, into my future expenses. And
Speaker 2: I was just thinking, yes, the product, I need a
Speaker 2: product budget. So it's great, check it out.
Speaker 1: I'm I'm gonna check it out. Actually I like that
Speaker 1: because you're right, it does feel very like m so
Speaker 1: I can't do that, so it should be modified, and
Speaker 1: that's why it's important to have. It's so funny. I
Speaker 1: was interviewed by this really big company. I don't want
Speaker 1: to say it until I get the announcement, but I
Speaker 1: was interviewed by this really popular, Like I guess it's
Speaker 1: business magazine. We all know, and I think you behind
Speaker 1: the scenes, manja. And so it was an Indian woman,
Speaker 1: super dope. She was asking all these questions and about
Speaker 1: like financial wellness and just I was just giving her
Speaker 1: my two centas she was like afterwards, she was like, Tiffany,
Speaker 1: this was such a fresh air because she's like, usually,
Speaker 1: you know, whenever I have to interview somebody finance, there
Speaker 1: it's a white guy. She said, would you consider writing
Speaker 1: for the magazine? I'm like, are you kidding me? What? Yeah?
Speaker 1: And so so yeah, so that might happen, So we'll see.
Speaker 1: But I just thought that that was like, you know,
Speaker 1: that was so crazy that she was like, even after
Speaker 1: all this time, she still finds herself only interviewing you know,
Speaker 1: white guys and her as a woman of color, is like,
Speaker 1: I'm sick of it. There has to be some other,
Speaker 1: no excuses.
Speaker 2: There's so many diverse voices out there right now, you
Speaker 2: get like, there's so many people of color and personal
Speaker 2: finance that.
Speaker 1: Well, I don't know if she's been assigned. I feel
Speaker 1: like she was assigned to me, So I don't know how.
Speaker 1: I don't know how her editor you know, like works
Speaker 1: so okay, you know what I mean, because because she
Speaker 1: was kind of like it was so nice. She was like,
Speaker 1: I was so surprised when they said, this is who
Speaker 1: you're interviewing, so I don't know, like what type of
Speaker 1: stuff she normally writes, like and she just writes anything,
Speaker 1: and they kind of just like we needed to be
Speaker 1: this person. But yeah, so it was just really nice.
Speaker 1: So I was like, okay, yeah, so you never know,
Speaker 1: you might see my byline and a big old Maggie.
Speaker 2: I was trying to tease us, well.
Speaker 1: I don't want to say because this case she's like girl,
Speaker 1: but EDER said no girl, and I'm like, oh okay,
Speaker 1: so I want to come to I'll let you know,
Speaker 1: but I want to boost because last night was so cute.
Speaker 1: So I was in this documentary for Prudential just a
Speaker 1: few minutes. But it's a dope documentary about Credential and
Speaker 1: TV one. It's a dope documentary about women, especially Black women,
Speaker 1: and financial wellness. So what does that look like for us?
Speaker 1: It was about forty minutes. They had this NJ pack
Speaker 1: is like a huge one of the most like it's
Speaker 1: a really beautiful venue space it's located in Newark, so
Speaker 1: they had it there and so but it was so
Speaker 1: nice because they asked me if I wanted to honor
Speaker 1: my parents because they really were talking about financial legacy
Speaker 1: as well, and so it was so nice. So I
Speaker 1: got to honor my parents and j pack stage. I mean,
Speaker 1: I've seen Lauren Hill from on the stage and Aley
Speaker 1: so many amazing people at stage, and then here I
Speaker 1: was on the stage giving the speech about like how
Speaker 1: my parents are so amazing and how because they taught me,
Speaker 1: I've been able to teach hundreds of thousands of other
Speaker 1: women like me. And then that is their legacy, well
Speaker 1: one of their many legacies. And then to have my
Speaker 1: mom get up on stage, you could I'm Sylvie wanted
Speaker 1: to take that mike so badly, Mandy. I have to
Speaker 1: look at her like don't. I had to block it
Speaker 1: with a gentle block and like turn for pictures. I
Speaker 1: was like no, man, My dad was so cute because me. Well,
Speaker 1: I also told my dad like fifteen times you're gonna
Speaker 1: come up on stage. He looked so shocked. He said,
Speaker 1: I didn't know I'm gonna come on stage. I'm like, Daddy,
Speaker 1: I told you, But it was just so cute. I'm
Speaker 1: gonna post like the pictures later on my IG, so
Speaker 1: take a look at them. But it was just, honestly,
Speaker 1: it was just like I don't know, I just want
Speaker 1: to do a boost for my parents because I'm not
Speaker 1: gonna lie. I was not an easy kid raids. I
Speaker 1: don't know if you could tell us a little wild.
Speaker 1: And yeah, we butted heads for so long, even even
Speaker 1: like when I got married, we buttoned heads because they
Speaker 1: really wanted me to marry Nigerian and so when I
Speaker 1: did it, so they were like eh and so. But now, honestly,
Speaker 1: it's so crazy how good things are now because I
Speaker 1: was never I was always a hair tiffany goes like
Speaker 1: everybody else would be like I want Cerea, and I'd
Speaker 1: be like, not even like food. I'd be like, well,
Speaker 1: I want paint chips. I was so far left. They
Speaker 1: were like tip banne, I mean police, like they do
Speaker 1: something for us that's possible for us to like wrap
Speaker 1: our head around. And so they worried so much, and
Speaker 1: you know, like, of course now you know the budget says,
Speaker 1: and you know before that it was like what are
Speaker 1: you doing with your life? And now the Budgetessa is
Speaker 1: doing well, and so I could just it's really changed
Speaker 1: their perception of of like how life has to go,
Speaker 1: because before it was like, you have to be a doctor, lawyer,
Speaker 1: or a pharmacist, you know, or an engineer, and you
Speaker 1: have to marry you know, he has to have at
Speaker 1: least his masters, he has to be Nigeria. There were
Speaker 1: all of these kind of rules that they had for
Speaker 1: a successful life. And they're seeing that I'm making up
Speaker 1: my own rules, and they're like, and yet Tiffany has
Speaker 1: a successful life, Like not just what I love is that, yes,
Speaker 1: they're acknowledging that my professional life is successful. But what
Speaker 1: I really love more than anything is they're acknowledging that
Speaker 1: my personal life is successful. Like the other day, for
Speaker 1: a Memorial Day weekend, we went to my dad's house
Speaker 1: and had like a little barbecue because my mom was
Speaker 1: away taking care of my new niece in Chicago, and
Speaker 1: so my husband was like, we should go to your
Speaker 1: dad's house and have a barbecue so we could spend
Speaker 1: the day with him and bring the kids. Because my
Speaker 1: sister Carol has two kids, Rowman and Amelia. They're like
Speaker 1: two and three, and they're like such a delight and
Speaker 1: so we all went and we had such a good time,
Speaker 1: and my dad was calling my sister to thank her,
Speaker 1: to say thank you so much for coming and for
Speaker 1: planning it, because Tracey's the planner. And she was like, no,
Speaker 1: that was superman. That was to his husband, and he
Speaker 1: was she said, he was silent on the other line
Speaker 1: because he gave him a hard way to go. We
Speaker 1: were getting married, and like my dad called me later,
Speaker 1: he was like, Tiffany, and you chose the perfect man
Speaker 1: for you. Like he just was just like, you know,
Speaker 1: I know that I didn't always see it, but you
Speaker 1: were right. He is awesome. He is kind, He loves
Speaker 1: you so much, so much respect for you, and you
Speaker 1: feel me. He was like, you know, you don't get
Speaker 1: relationships from people have that level of respect for you.
Speaker 1: Because they were like talking when we were at the house,
Speaker 1: like between themselves, and he was like the way he
Speaker 1: speaks about you, He was like, you are I don't
Speaker 1: even know if you realize how fortunate you are. And
Speaker 1: it just meant the world to me that, like, if
Speaker 1: you're having a hard time with your parents, hopefully it
Speaker 1: will all work out. I mean I'm thirty nine now,
Speaker 1: it's like literally just working out, so you might have
Speaker 1: thirty eight years to go, but but I don't know.
Speaker 1: I just wanted to give a boost to that that
Speaker 1: like for like my parents and for like our relationship
Speaker 1: ship like changing and growing, and because honestly, like I
Speaker 1: like I said, truly, up until maybe like a year ago,
Speaker 1: it was always slightly contentious. I always loved them obviously,
Speaker 1: but so it's just nice to be on the other
Speaker 1: side of like that. I too want cereal and not
Speaker 1: paint chicks, you know.
Speaker 2: Well they I mean, I think that's just a sign
Speaker 2: that you were strong willed and going to do things
Speaker 2: your own way no matter what, which is beautiful.
Speaker 1: Yeah.
Speaker 2: I remember, like even before you when Superman you got engaged,
Speaker 2: like you were talking about the tension like sometimes with
Speaker 2: your family, you know, being accepting of him. So it's
Speaker 2: so nice to hear that things are you know, people
Speaker 2: do evolve, do I think all the time. You know,
Speaker 2: when I was fifteen, my sister came out and my
Speaker 2: family was terrible. Like I look back on it and
Speaker 2: I'm like, were we those people? Yeah, they were all
Speaker 2: homophobic and like my sister, yeah, she came out.
Speaker 1: I thought you met like when your mother had her like.
Speaker 2: Yeah. She came out with a rainbow flag and they
Speaker 2: were like, no, no, she came out on my junior
Speaker 2: prom day and I remember I hated her because she
Speaker 2: was stealing my attention and uh yeah, and we just
Speaker 2: like and ten years later from the day she came out,
Speaker 2: we were at her not to the day, but to
Speaker 2: the year. We were at her wedding, just like partying
Speaker 2: it up. And when I gave when I gave my speech,
Speaker 2: I was like, do you guys realize how far we've come.
Speaker 2: You just have to you know, with time and perspective. Family,
Speaker 2: you know, we get it together in the end.
Speaker 1: But well most people, you hope so, and sometimes you
Speaker 1: just got to give people the space to get it together.
Speaker 2: Yes.
Speaker 1: No, it's easy to just be like, you know, I'm
Speaker 1: just going to walk away and lead them like whatever,
Speaker 1: I'll start a new life. And you can. But at
Speaker 1: the end of the day, you know, I mean, ideally
Speaker 1: you want your family. So yeah, so little just a
Speaker 1: little something sweet to head off.
Speaker 2: That's beautiful, Well congratulations, thank yeah, what a beautiful gift
Speaker 2: for them for Mothers and Father's Day.
Speaker 1: I know. Actually it was like sidebar. It was really
Speaker 1: supposed to be for Father's Day. My mother was like, no,
Speaker 1: you have two parents, I'll be on that stage.
Speaker 2: I was say, okay, ma'am, hey listen to her though, because.
Speaker 1: You know I did. I didn't want any problems.
Speaker 2: She's like, let me take my credit. Yep, beautiful, awesome. Well,
Speaker 2: speaking of Father's Day, here's your warning. Father's Day is
Speaker 2: this weekend right coming up.
Speaker 1: I didn't get hit. What are you getting?
Speaker 2: I don't know. My dad usually texts us with an
Speaker 2: Amazon link to what he wants and then we hook
Speaker 2: him up. That's it's usually like a boat accessory.
Speaker 1: Mean we look, I'm talking about husband. I'm like, I forgot.
Speaker 1: I'm like, wait, where's the baby? I was like, I
Speaker 1: was like, what are you gonna get? But I forgot
Speaker 1: that you don't have kids just yet.
Speaker 2: Yeah, you know, get my I don't know. My dad
Speaker 2: likes My dad still loves a Visa gift card, so
Speaker 2: he's he's an easy, easy man to please.
Speaker 1: To get superman, I'm like, oh, I didn't even think
Speaker 1: about it. He's like really sentimental. So one time I
Speaker 1: didn't get him anything. So I'm like, because he said,
Speaker 1: I don't give me anything, so I did it. Oh, Mandy.
Speaker 1: When I tell you I never ordered a like a
Speaker 1: cause you know, he like a man cave is coming along,
Speaker 1: so I ordered like like that day, I ran upstairs
Speaker 1: and ordered one of those like really nice like fridges
Speaker 1: for like man cake fridges. I remember, yeah, what And
Speaker 1: I was like because he was like so the next
Speaker 1: because I didn't know really until the next day and
Speaker 1: he was in his feelings, he was like, I really
Speaker 1: can't believe din't give anything. I was like, what, rob
Speaker 1: was that you didn't get I'll say, yes, I did,
Speaker 1: it didn't it didn't come yet. Look at you. You
Speaker 1: know I was gonna get you something what I paid
Speaker 1: for like save days. I'm like, whatever, put an extra,
Speaker 1: don't care. And when it came, he was so happy.
Speaker 1: That thing cost me so much money. But I told myself,
Speaker 1: I will never do that again. That whole I don't
Speaker 1: need anything is a lie. So yeah, I have to
Speaker 1: get him something. And I'm like, yanks, what I gonna get.
Speaker 2: Him, wife, husband, whatever? It's a lie always gets something.
Speaker 2: You can never hurt anything by giving your significant other
Speaker 2: a gift. It's never gonna hurt. It can only hurt
Speaker 2: you if you don't.
Speaker 1: Yeah, s woolshot. I was like whoa. He was like,
Speaker 1: oh you did.
Speaker 2: I was like yes, wiping down the beat of sweat
Speaker 2: from your bro. All right, well, you guys have been worn.
Speaker 2: You got a few days Amazon Prime, two days shipping.
Speaker 2: You can think it happened. Happy Father's Day into any
Speaker 2: papas who are listening to the podcast, Happy Father's Stay
Speaker 2: to you. Yes, all right, that's the show until.
Speaker 1: Next week, until next week. I did you do?
Speaker 2: I to