WEBVTT - Ep. 177 — How We Really Feel About Dave Ramsey's Anti-Credit Card Policy

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<v Speaker 1>Hey, hey, hey, I feel jazzy, like, hey, hey, hey,

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<v Speaker 1>that's my little baritone. You know I was an alto.

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<v Speaker 2>As you can tell, Hi, you're very jazzy. That's two

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<v Speaker 2>weeks in a row. Last week I was doing jazz

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<v Speaker 2>hands backing you up.

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<v Speaker 1>Right. So this is my an ambition for those of

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<v Speaker 1>you knew bees.

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<v Speaker 2>Out there where you've been spent four years?

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<v Speaker 1>No, I know, we've been at the stag at the

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<v Speaker 1>sang for a minute. That's crazy.

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<v Speaker 2>Four years, episode one seventy seven.

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<v Speaker 1>We oh, one hundred and seventy seven. My knees are aching.

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<v Speaker 2>We're like full House, Like, what's a really long running

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<v Speaker 2>sitcom or something?

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<v Speaker 1>Now? Full houses have to be one four episodes.

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<v Speaker 2>Right, Yeah, that's true. They did like allion seasons. Right.

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<v Speaker 2>We're trying to get that Frands money, right.

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<v Speaker 1>That ten year, that ten year money. You know at

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<v Speaker 1>the seven year that's seven year, itch seven is a

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<v Speaker 1>divine year.

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<v Speaker 2>Let's see if we make it to seven, what would

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<v Speaker 2>you even? What would we talk? Seven years? It could

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<v Speaker 2>get I feel like our lives only get more interesting.

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<v Speaker 1>Yeah, I believe.

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<v Speaker 2>So you'll have twelve.

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<v Speaker 1>Well I don't want twelve, just one, maybe two. I

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<v Speaker 1>heard the Obama's getting a podcast. Did you hear they.

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<v Speaker 2>Are just inking deals left in the Obama empire?

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<v Speaker 1>Yeah?

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<v Speaker 2>What they signed with Spotify's with Netflix. They have so

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<v Speaker 2>many deals, deals on deals.

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<v Speaker 1>I know, it's so crazy, Like you know, you had

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<v Speaker 1>the you had the foresight, I must give it to you.

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<v Speaker 1>Podcast was going to be a thank than you know.

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<v Speaker 1>And I'm like, look at this, like i'd heard of

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<v Speaker 1>them before. Of course, I'm trying to think, did I

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<v Speaker 1>even listen to podcasts back then? I think I listened

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<v Speaker 1>to like one and now like like it's like a

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<v Speaker 1>thing for me, Like I love a good podcast.

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<v Speaker 2>I've been I've been on this like it's you can't

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<v Speaker 2>have both. Like I've been wanting to read more books,

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<v Speaker 2>so I took a social media break in May, which

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<v Speaker 2>really opened up my I was putting down my phone

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<v Speaker 2>more often, and I was like, let me go to

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<v Speaker 2>the library and get some books. And now that I've

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<v Speaker 2>been reading more, I literally listened to a podcast like

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<v Speaker 2>not even the Daily for the New York Times in

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<v Speaker 2>like six weeks now. And I go through these phases,

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<v Speaker 2>but I do love I love the I know it's trashy,

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<v Speaker 2>but true crime podcasts are so good.

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<v Speaker 1>My heart can't take it, honestly, Like I'm one of

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<v Speaker 1>those people who are like.

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<v Speaker 2>I hate for all the episodes to be there and

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<v Speaker 2>then you binge them. You don't have to wait, you know,

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<v Speaker 2>with the anticipation.

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<v Speaker 1>Even me, like I will literally pause and like walk

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<v Speaker 1>around like, oh my gosh, my gosh, it's getting too good.

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<v Speaker 1>I like shake my hand, I got like shake my

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<v Speaker 1>body out like I'm like I'm doing exercise, like like

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<v Speaker 1>I feel like as I get older, I don't my

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<v Speaker 1>anxiety when like a show gets too good and I'm like,

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<v Speaker 1>oh my gosh, or like I don't know if this

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<v Speaker 1>happens to you, but my secondhand embarrassment has been so heightened.

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<v Speaker 1>You ever seen like something on TV You're like, I

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<v Speaker 1>know it's a show, but it's you know, it's supposed

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<v Speaker 1>to be an embarrassing moment for whoever the character, and

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<v Speaker 1>I am like dying, like, oh my god, Like at

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<v Speaker 1>Tiffany's it's a show. I'm like, I know, but it's

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<v Speaker 1>so embarrassed. I'm like, you know what, no more teaving

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<v Speaker 1>for you.

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<v Speaker 2>We talked about this because you've said before how you

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<v Speaker 2>really like absorb people's emotions, and that's what they're going through.

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<v Speaker 2>I was watching Never Been Kissed Last Night, which I think,

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<v Speaker 2>twenty years later is still an exceptional piece of film,

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<v Speaker 2>and I but I was so embarrassed. Like I don't

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<v Speaker 2>know if it's just that I've been reminiscing about my

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<v Speaker 2>high school and college days lately, but I felt so

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<v Speaker 2>I felt way more embarrassed for her, and like I

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<v Speaker 2>wanted to just hug this character. Yeah, throughout the whole.

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<v Speaker 1>Movie, Josie Grossy, Josey Grosy. It's such a good movie.

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<v Speaker 2>It was either that I'm like at a hotel, you know,

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<v Speaker 2>in the middle of Charlotte, like Corporate Park in Charlotte,

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<v Speaker 2>North Carolina, for work for a couple of days. So

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<v Speaker 2>I was scrolling through HBO go just wanted some comfort food,

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<v Speaker 2>you know, in in a free movie form.

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<v Speaker 1>Well, my one of my other favors that she's done

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<v Speaker 1>is ever After. Have you watched that one?

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<v Speaker 2>That was the other one I was between or ever After?

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<v Speaker 1>Ever ever After is the is the j I probably

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<v Speaker 1>watched that Gill be Sleeping, super Will be Sleeping, and

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<v Speaker 1>I'm like, I'm just do a little ever After. I can't.

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<v Speaker 2>I love It's, Oh my god, it is so good.

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<v Speaker 1>I'm like you, Barrymore, I swear you because yeah, it's

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<v Speaker 1>just like this awkward like but in the end you win. Anyway,

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<v Speaker 1>I'm like, it's me, It's me.

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<v Speaker 2>It's the best Cinderella story they've done, maybe Brandy's, but

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<v Speaker 2>still Brady is more like, you know, jelly beans and

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<v Speaker 2>and candy and just like black, beautiful, amazingness. Whitney Houston, like,

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<v Speaker 2>come on, I am fantastical and magical, musical. But ever

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<v Speaker 2>after it was just like my teenage heart.

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<v Speaker 1>Yes it's everything. I'm like, how could you cheat? Like

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<v Speaker 1>the true.

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<v Speaker 2>All right, but what's happened in the world? Oh, last

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<v Speaker 2>week we were talking about so your avocados are safe America.

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<v Speaker 1>No, I was gonna say that. Look who little hands

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<v Speaker 1>has decided to back down.

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<v Speaker 2>He didn't back down. He still worked out a plan.

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<v Speaker 2>This plan wasn't possibly worked out three months ago, but yeah,

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<v Speaker 2>he came up with a new plan, and tariffs are working,

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<v Speaker 2>and now Mexico is listening to everything we have to say.

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<v Speaker 1>I was like, what are you talking about?

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<v Speaker 2>I don't care. As long as my avocados are safe.

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<v Speaker 2>The five percent tariffs on Mexican imports are not happening.

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<v Speaker 1>Yeah, well my as well, Like randomly, I was like

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<v Speaker 1>looking at you know, I was checking my I use

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<v Speaker 1>Robinhood the APT just to buy like I don't invest

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<v Speaker 1>seriously through robin Hood, but just like you know, stock here,

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<v Speaker 1>stock there, just to kind of see like what my

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<v Speaker 1>picks are. Like, I'm not gonna lie. I'm doing pretty good.

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<v Speaker 1>And I bought Beyond Meat and it's doing like great.

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<v Speaker 2>Wait a second, because I was just on CNBC.

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<v Speaker 1>Just behind me, let me see, hold on, maybe that's

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<v Speaker 1>not the right.

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<v Speaker 2>Maybe you should check because the headline says Beyond Me

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<v Speaker 2>dives five percent.

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<v Speaker 1>No, no, no, it is doing well. It's doing great

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<v Speaker 1>compared to what I bought it for.

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<v Speaker 2>Let me just write, you got in early.

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<v Speaker 1>Okay, yeah, I got it like I got it for

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<v Speaker 1>like sixty bucks and now it's one twenty six. So yes,

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<v Speaker 1>Beyond Me has as long as it doesn't go on

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<v Speaker 1>too like sixty bucks that I'm good. That's what I mean.

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<v Speaker 1>But you're right. I was like, yeah, it is down,

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<v Speaker 1>trying to think today's highs Yeah, oh yeah, so fifty

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<v Speaker 1>two weeks high was one eighty six, and but I

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<v Speaker 1>would have loved to have gotten it at a low

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<v Speaker 1>when it first opened at twenty five dollars. Can you imagine, Yes,

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<v Speaker 1>that would have.

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<v Speaker 2>Been nice, But how do you know? I mean, you know,

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<v Speaker 2>I listened. It seems like you're having a good time

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<v Speaker 2>with Robin Hood. I chickened the hell out with Robin Hood.

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<v Speaker 2>I think I maybe had a thousand bucks in there

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<v Speaker 2>with various investments, and then I was just like, let

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<v Speaker 2>me get my money. Just like I don't know, I

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<v Speaker 2>have these like moments of anxiety where I'm just like,

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<v Speaker 2>never mind, I don't have the balls anymore. I don't

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<v Speaker 2>want to see you know. Or I was like making

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<v Speaker 2>money and then I got afraid I was going to

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<v Speaker 2>lose it risk aversion, you know, however you.

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<v Speaker 1>Want, Like like you said, I keep like I have just

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<v Speaker 1>a like now I've got like a few thousand because

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<v Speaker 1>I'll do like I'm gonna get two stocks of this,

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<v Speaker 1>I'm gonna get three stacks of that, you know, And

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<v Speaker 1>so overall, like I think I've had it for five

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<v Speaker 1>years now.

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<v Speaker 2>You were like from the beginning, Yeah, yeah, I'm trying

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<v Speaker 2>to think one year.

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<v Speaker 1>I have to see like when I signed up, and

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<v Speaker 1>that's not five years ago. I don't know. But overall,

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<v Speaker 1>my my full year. Oh since twenty sixteen, so that's

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<v Speaker 1>not five years, that's like August fifth, twenty sixteen. So

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<v Speaker 1>but no, thirty five percent I've had my investments have gone.

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<v Speaker 2>Up damn so excellent.

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<v Speaker 1>I mean, well, to be fair too, a lot of

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<v Speaker 1>the stocks I haven't even bought a lot of them

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<v Speaker 1>because I actually used acorns. They're not acorns. I use

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<v Speaker 1>robin Hood like they're freebie. Like I think I said

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<v Speaker 1>it in an email, like, hey, here's like, you know,

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<v Speaker 1>an app that you can like buy stocks individually and

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<v Speaker 1>track them. And so I put it in an email

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<v Speaker 1>that people signed up, and I got a ton of

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<v Speaker 1>free stocks. I'm not even gonna lie. I probably got

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<v Speaker 1>like one hundred hundred shit and more than that, probably

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<v Speaker 1>two with three hundred shares of like random stocks.

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<v Speaker 2>Oh well, like they run promos like that every once

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<v Speaker 2>in a while.

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<v Speaker 1>So like, for example, they give groupon away, they give

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<v Speaker 1>serious way, they give a sprint, and so like these

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<v Speaker 1>are stocks that I just kind of got for free.

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<v Speaker 1>So I'm like, okay, not for free, because you know,

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<v Speaker 1>like like I said, I did have to pay for them,

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<v Speaker 1>so I guess it is for free. But it was basically,

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<v Speaker 1>like you know, if you sign up with my app,

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<v Speaker 1>I get a free stock.

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<v Speaker 2>That's even better.

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<v Speaker 1>So that's why I haven't really like. That's why I

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<v Speaker 1>guess why I like it is because I don't really

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<v Speaker 1>have to put much money in. I'm just kind of like, oh,

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<v Speaker 1>I get me a free stock, okay. And of course

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<v Speaker 1>all the ones that they get that they given me,

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<v Speaker 1>I'm like, they're all doing terrible. That's fine, that's fine.

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<v Speaker 1>Oh but my Wayfair is doing good. You know what

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<v Speaker 1>when I really started.

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<v Speaker 2>What you know that jingle and then.

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<v Speaker 1>Plus you know, because Wayfair that's jos in Maine, and

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<v Speaker 1>what is it all modern? It's doing good. I bought

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<v Speaker 1>up for eighty eight it's one fifty six now am

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<v Speaker 1>So whenever I'm using like a company and I'm like

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<v Speaker 1>going ham, I'm like, let me look to see their stocks,

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<v Speaker 1>see how it's doing. It's just because I'm like, you know,

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<v Speaker 1>if I'm overusing it, maybe other people are too.

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<v Speaker 2>So yeah, that's how I read something about how house

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<v Speaker 2>flipping is on the rise, which could be good for

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<v Speaker 2>these furnishing companies.

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<v Speaker 1>Ooh, true. You know what? I did you ever watch

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<v Speaker 1>Working Girl?

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<v Speaker 2>Like? I finally watch Working Girl. It's on Hulu for

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<v Speaker 2>those of you, you know, late to the party of millennials. Yeah,

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<v Speaker 2>it's good. Lily Thompson.

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<v Speaker 1>And what's your name? No, No, not that working girl,

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<v Speaker 1>working girl?

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<v Speaker 2>What am I thinking of?

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<v Speaker 1>I know what you're talking about. You're thinking about something else.

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<v Speaker 1>I'm working Girl. It's with Melody Griffin.

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<v Speaker 2>No, no, no, I haven't seen that. What am I

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<v Speaker 2>thinking of that?

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<v Speaker 1>Oh?

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<v Speaker 2>Working nine to five? That's what I'm thinking of? Another classic?

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<v Speaker 1>Oh well, No. The reason why I like working girls

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<v Speaker 1>because you kind of like it's a great kind of

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<v Speaker 1>like explanation of like well part of it anyway, like

0:10:02.320 --> 0:10:05.720
<v Speaker 1>stocks basically and how it all happens and acquisitions. And

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<v Speaker 1>I was like, oh, and so like she was like

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<v Speaker 1>reading the newspaper and she made a tie in that, oh,

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<v Speaker 1>some other industry is rising. So she was like, as

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<v Speaker 1>a result, this other industry will likely also do well.

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<v Speaker 1>And she was right, And so I just was thinking,

0:10:18.679 --> 0:10:21.400
<v Speaker 1>like what you said that, like, hey, people are flipping houses,

0:10:21.480 --> 0:10:24.240
<v Speaker 1>so by nature they likely are going to be looking

0:10:24.280 --> 0:10:27.319
<v Speaker 1>for you know, furniture and whatever and wayfair and those

0:10:27.400 --> 0:10:29.319
<v Speaker 1>kind of stories will likely get more business and their

0:10:29.320 --> 0:10:31.679
<v Speaker 1>stock likely will go up. So it's like, you know,

0:10:31.760 --> 0:10:35.200
<v Speaker 1>That's the thing that's interesting about stocks is that if

0:10:35.240 --> 0:10:37.719
<v Speaker 1>you can make those kind of connections, that's where you

0:10:37.800 --> 0:10:39.640
<v Speaker 1>can kind of win. I get this thing every month,

0:10:39.679 --> 0:10:42.040
<v Speaker 1>oh were or every every other day. I forget. I

0:10:42.080 --> 0:10:43.560
<v Speaker 1>think Robinhood says it to me, and I like it.

0:10:43.559 --> 0:10:46.920
<v Speaker 1>I think it's called like Robin Hood snacks, and I

0:10:47.000 --> 0:10:48.280
<v Speaker 1>like it because it just kind of gives you like

0:10:48.320 --> 0:10:51.840
<v Speaker 1>snack bites of like kind of like stocks and what's

0:10:51.840 --> 0:10:53.679
<v Speaker 1>happening and what's going on. So I really like I've

0:10:53.679 --> 0:10:55.880
<v Speaker 1>been enjoying it because I'm not someone who's reading like

0:10:55.880 --> 0:10:58.959
<v Speaker 1>the New York Times Financial section, and so I can

0:10:59.080 --> 0:11:02.000
<v Speaker 1>just kind of read it and be like, hey, this

0:11:02.160 --> 0:11:02.600
<v Speaker 1>is cool.

0:11:04.240 --> 0:11:08.319
<v Speaker 2>Yeah, well, I'm proud of you for having the guts

0:11:08.360 --> 0:11:11.600
<v Speaker 2>to woodstand, Robin Hood. I'm just like, for now, I'm

0:11:11.640 --> 0:11:15.040
<v Speaker 2>a target date, fun girl. That's just my jam. I'm

0:11:15.040 --> 0:11:18.280
<v Speaker 2>gonna get back in and eventually, eventually I'm gonna do

0:11:18.320 --> 0:11:22.640
<v Speaker 2>something with my iray just like sitting there. It'd be

0:11:22.679 --> 0:11:24.800
<v Speaker 2>fun to take or maybe I should get my husband

0:11:24.800 --> 0:11:26.840
<v Speaker 2>to pick some stuff. I don't know. He you know,

0:11:26.880 --> 0:11:28.520
<v Speaker 2>he was the one who wanted to go see Hamilton

0:11:28.600 --> 0:11:30.440
<v Speaker 2>like three months before I hit Broadway. And I was like,

0:11:30.440 --> 0:11:34.600
<v Speaker 2>that sounds stupid. I don't think I'm a good judge.

0:11:35.760 --> 0:11:37.600
<v Speaker 1>And You're like, oh, did you ever end up going

0:11:37.640 --> 0:11:38.160
<v Speaker 1>to see it?

0:11:38.480 --> 0:11:40.440
<v Speaker 2>Oh? Yeah, we saw it. I loved it more than

0:11:40.480 --> 0:11:42.400
<v Speaker 2>he did. And I was like, he's like, remember when

0:11:42.440 --> 0:11:45.840
<v Speaker 2>I wanted to see it, like several months before anyone

0:11:45.840 --> 0:11:48.640
<v Speaker 2>had ever heard about it, And you were like, eh, history.

0:11:48.720 --> 0:11:52.840
<v Speaker 1>Now you're like, so yeah, don't don't.

0:11:53.040 --> 0:11:55.120
<v Speaker 2>Don't listen to Mandy Analyst reports, I don't know what

0:11:55.160 --> 0:11:59.080
<v Speaker 2>I'm talking about. Listen speaking of the New York Times,

0:11:59.080 --> 0:12:00.800
<v Speaker 2>though I was just reading so we all know the

0:12:01.000 --> 0:12:03.600
<v Speaker 2>well maybe you don't know, but the World Cup Women's

0:12:03.640 --> 0:12:07.320
<v Speaker 2>World Cup is happening, and America is in the World

0:12:07.360 --> 0:12:12.480
<v Speaker 2>Cup women's team. And alongside the fact that we're you know,

0:12:12.600 --> 0:12:16.240
<v Speaker 2>fighting for our title in the World Cup, they're also

0:12:16.360 --> 0:12:21.240
<v Speaker 2>in court women's soccer soccer players battling against their pay

0:12:21.840 --> 0:12:24.800
<v Speaker 2>and claiming that there's been discrimination because like even though

0:12:25.000 --> 0:12:27.160
<v Speaker 2>they're the you know versus the men's team, they actually

0:12:27.240 --> 0:12:30.160
<v Speaker 2>win tournaments, and they've won the World Cup before, the

0:12:30.200 --> 0:12:32.400
<v Speaker 2>women's team is still paid so much less in them,

0:12:32.559 --> 0:12:36.160
<v Speaker 2>and like the prizes that they win for their for

0:12:36.320 --> 0:12:39.680
<v Speaker 2>their games are a lot less. So they're battling it

0:12:39.679 --> 0:12:43.480
<v Speaker 2>out in court. So girl power there. But isn't it

0:12:43.559 --> 0:12:46.920
<v Speaker 2>like depressing? It is that of course they're they're winning

0:12:46.920 --> 0:12:48.400
<v Speaker 2>more than the guys are. I don't even know if

0:12:48.400 --> 0:12:49.840
<v Speaker 2>the guys made it to the World Cup this year

0:12:49.880 --> 0:12:52.920
<v Speaker 2>but or whenever the last one was. I'm testing my

0:12:52.920 --> 0:12:56.600
<v Speaker 2>soccer knowledge now. But anyway, but women are clearly, you

0:12:56.600 --> 0:12:59.079
<v Speaker 2>know they and especially since they won the World Cup.

0:12:59.120 --> 0:13:01.120
<v Speaker 2>I think it was like a few years ago, twenty

0:13:01.280 --> 0:13:05.600
<v Speaker 2>fifteen or sixteen. Since then, like women's interest in women's

0:13:05.600 --> 0:13:08.920
<v Speaker 2>soccer has like ways or passed men's soccer in the US,

0:13:09.400 --> 0:13:12.160
<v Speaker 2>and it's growing a popularity and there's all this excitement

0:13:12.360 --> 0:13:15.719
<v Speaker 2>and you know, they're getting bigger numbers and bigger turnouts.

0:13:15.720 --> 0:13:18.480
<v Speaker 2>I think they're you know, the America's women competing in

0:13:18.480 --> 0:13:20.040
<v Speaker 2>that World Cup where they won was one of the

0:13:20.080 --> 0:13:25.839
<v Speaker 2>most watched sports events ever, especially in the soccer world.

0:13:26.040 --> 0:13:29.080
<v Speaker 2>And yet they are still not being paid as well as.

0:13:29.000 --> 0:13:35.199
<v Speaker 1>That's not fair, fair, it's not and so but I'm

0:13:35.240 --> 0:13:36.720
<v Speaker 1>glad that they're fighting for that because that's I mean,

0:13:36.760 --> 0:13:38.000
<v Speaker 1>that's the only way you're going to change it.

0:13:39.000 --> 0:13:41.920
<v Speaker 2>So I remember, I remember doing this article at Yahoo

0:13:42.160 --> 0:13:44.520
<v Speaker 2>where I interviewed. It's not just soccer. There's a lot

0:13:44.520 --> 0:13:47.680
<v Speaker 2>of women's teams out there that because they're not you know,

0:13:47.760 --> 0:13:50.240
<v Speaker 2>even just women's basketball players, like so many of them

0:13:50.320 --> 0:13:52.080
<v Speaker 2>have to go overseas just to get to pick a

0:13:52.120 --> 0:13:53.400
<v Speaker 2>good pages, you know.

0:13:54.080 --> 0:13:58.680
<v Speaker 1>And then my friends did she played overseas? It was

0:13:58.679 --> 0:14:00.560
<v Speaker 1>like there was no real opportunity here.

0:14:01.280 --> 0:14:03.360
<v Speaker 2>Yeah, just like in love and basketball and she asked like,

0:14:03.360 --> 0:14:04.439
<v Speaker 2>what did you play in Spain?

0:14:05.360 --> 0:14:07.560
<v Speaker 1>Yes, or something like that. It's so funny how everything

0:14:07.559 --> 0:14:09.720
<v Speaker 1>can be. You can find all of your life lessons

0:14:09.720 --> 0:14:10.240
<v Speaker 1>in a movie.

0:14:10.480 --> 0:14:14.199
<v Speaker 2>Yeah, but there's women's football leagues and these women it's

0:14:14.200 --> 0:14:16.080
<v Speaker 2>not just some women, you know, it's not even about

0:14:16.080 --> 0:14:18.320
<v Speaker 2>they don't get paid, Like if they injured, they have

0:14:18.360 --> 0:14:20.480
<v Speaker 2>full time jobs and they're paying. They're playing because it's

0:14:20.520 --> 0:14:23.840
<v Speaker 2>their passion project and they're basically paying to play and travel.

0:14:23.880 --> 0:14:26.200
<v Speaker 2>And then if they get injured, they may not have insurance,

0:14:26.240 --> 0:14:29.000
<v Speaker 2>they don't get any coverage, and then you know, they

0:14:29.040 --> 0:14:31.680
<v Speaker 2>may their careers could be over without any kind of

0:14:33.000 --> 0:14:37.240
<v Speaker 2>without any kind of support or backup because the league

0:14:37.280 --> 0:14:39.480
<v Speaker 2>does not recognize them as an official league.

0:14:40.160 --> 0:14:45.680
<v Speaker 1>Which that's really just like exactly that sucks boom. Have

0:14:45.760 --> 0:14:47.800
<v Speaker 1>you seen this is not like a new new article.

0:14:47.920 --> 0:14:50.320
<v Speaker 1>Well it was done in April. I guess I've been

0:14:50.320 --> 0:14:52.360
<v Speaker 1>seeing this pop up more and more and more that

0:14:52.680 --> 0:14:56.520
<v Speaker 1>the CNBC has This article, says walk manager colon, buying

0:14:56.560 --> 0:14:59.440
<v Speaker 1>a home is usually a terrible investment. Here's why.

0:15:00.280 --> 0:15:04.320
<v Speaker 2>Yeah, this has become like the equivalent if is coffee

0:15:04.360 --> 0:15:06.440
<v Speaker 2>good but good for you? Or yeah for you? Headline?

0:15:06.680 --> 0:15:09.040
<v Speaker 2>It toltally like the personal finance world, right because like,

0:15:09.120 --> 0:15:11.160
<v Speaker 2>yes you can read. I bet you pop over that

0:15:11.200 --> 0:15:13.280
<v Speaker 2>story and they're like, well, it can be a good

0:15:13.320 --> 0:15:15.800
<v Speaker 2>idea if these three things, or a bad idea if

0:15:15.800 --> 0:15:16.920
<v Speaker 2>these three things.

0:15:17.800 --> 0:15:21.040
<v Speaker 1>And honestly two. I mean, I get it. But sometimes

0:15:21.080 --> 0:15:23.760
<v Speaker 1>for some people, you know, buying a home, it's not

0:15:23.920 --> 0:15:25.800
<v Speaker 1>just a financial decision. I mean not to say you

0:15:25.800 --> 0:15:28.720
<v Speaker 1>shouldn't keep you should definitely keep finances obviously like a

0:15:28.760 --> 0:15:32.120
<v Speaker 1>homelesstelln investment. But I think most people purchase their home

0:15:33.120 --> 0:15:36.360
<v Speaker 1>not necessarily as a as a fear culture build wealth.

0:15:36.400 --> 0:15:38.600
<v Speaker 1>I'm not saying that you shouldn't, but I feel like

0:15:38.680 --> 0:15:41.480
<v Speaker 1>people purchase homes because you know, they're like wanting to

0:15:41.480 --> 0:15:43.400
<v Speaker 1>live a specific place. Maybe you wanted to raise a

0:15:43.880 --> 0:15:47.480
<v Speaker 1>child there, start a family. So you know, to me,

0:15:47.800 --> 0:15:49.960
<v Speaker 1>if net net you come out even, I get it.

0:15:50.040 --> 0:15:51.560
<v Speaker 1>Let's just say, like my parents bought their house. I

0:15:51.560 --> 0:15:53.360
<v Speaker 1>think it was like two fifty when they bought their

0:15:53.400 --> 0:15:57.440
<v Speaker 1>house in Westfield, and now I think it's like valued

0:15:57.440 --> 0:16:01.440
<v Speaker 1>at like a seven six fifty seven hundred thousand. But

0:16:01.560 --> 0:16:02.880
<v Speaker 1>you know they bought it when I was nine. I'm

0:16:02.920 --> 0:16:05.960
<v Speaker 1>thirty nine now, so that's thirty years later. But you know,

0:16:06.000 --> 0:16:07.680
<v Speaker 1>you think about like the work they put in and

0:16:07.720 --> 0:16:11.240
<v Speaker 1>like property taxes, whatever, So maybe they come out a

0:16:11.280 --> 0:16:13.240
<v Speaker 1>little bit on top. Maybe they come out you know,

0:16:13.360 --> 0:16:16.240
<v Speaker 1>net net even. But I mean they wanted us to

0:16:16.920 --> 0:16:19.480
<v Speaker 1>be raised in Westfield, this beautiful town. We have a

0:16:19.520 --> 0:16:23.080
<v Speaker 1>beautiful backyard that butts up against the park. It was

0:16:23.120 --> 0:16:25.240
<v Speaker 1>more than just a It was a financial choice, but

0:16:25.280 --> 0:16:27.720
<v Speaker 1>it was more than just that. So I think that

0:16:27.840 --> 0:16:31.760
<v Speaker 1>sometimes these financial articles don't take into consideration the home

0:16:31.800 --> 0:16:34.840
<v Speaker 1>ownership is is a financial choice, but it's also an

0:16:34.880 --> 0:16:36.120
<v Speaker 1>emotional one too.

0:16:36.640 --> 0:16:38.280
<v Speaker 2>Yeah, and that's why you can't. I mean, as long

0:16:38.280 --> 0:16:40.400
<v Speaker 2>as you're going into it with the right perspective. Hey,

0:16:40.440 --> 0:16:43.160
<v Speaker 2>this house is not my guaranteed nest egg. I'm not

0:16:43.200 --> 0:16:45.680
<v Speaker 2>going to put all my savings into it and expect

0:16:45.720 --> 0:16:47.680
<v Speaker 2>it to give me my retirement one day. As long

0:16:47.720 --> 0:16:49.440
<v Speaker 2>as you're not doing that, you're treating it as like

0:16:49.520 --> 0:16:52.240
<v Speaker 2>one of the several types of investments that you have,

0:16:53.040 --> 0:16:56.160
<v Speaker 2>then you know it can't. It can be a good

0:16:56.160 --> 0:16:59.800
<v Speaker 2>part of a good piece of a balanced investment portfolio

0:17:00.080 --> 0:17:03.560
<v Speaker 2>for me. You know, I'll let you know in ten

0:17:03.640 --> 0:17:06.080
<v Speaker 2>to twenty years if buying a house was a good investment.

0:17:06.119 --> 0:17:07.560
<v Speaker 1>I don't know exactly.

0:17:07.560 --> 0:17:10.440
<v Speaker 2>It just was what my husband wanted and kept the

0:17:10.480 --> 0:17:12.080
<v Speaker 2>peace exactly.

0:17:12.280 --> 0:17:13.280
<v Speaker 1>And I'm sure you love it now.

0:17:13.760 --> 0:17:18.160
<v Speaker 2>I mean it's okay. I our dishwasher, you've got a dog.

0:17:18.840 --> 0:17:21.000
<v Speaker 2>I do have a dog. Oh, I'd love my Molly.

0:17:21.760 --> 0:17:24.560
<v Speaker 2>I our dishwasher broke, and it's like ruining our marriage

0:17:24.600 --> 0:17:28.040
<v Speaker 2>now because my I don't know. This thing is like

0:17:28.520 --> 0:17:32.320
<v Speaker 2>brand spanking new, top of the line. And the thing is,

0:17:32.320 --> 0:17:35.280
<v Speaker 2>these fancier dishwashers now give you an aerror code if

0:17:35.280 --> 0:17:37.720
<v Speaker 2>there's any kind of moisture. And I guess there's a

0:17:37.760 --> 0:17:40.200
<v Speaker 2>small leak, and of course, like the no, I don't

0:17:40.240 --> 0:17:41.399
<v Speaker 2>want to get into it. But the you know, the

0:17:41.440 --> 0:17:43.480
<v Speaker 2>people they sent out to fix it spent like forty

0:17:43.480 --> 0:17:46.960
<v Speaker 2>five minutes smelled to high heaven, my god, just like

0:17:47.000 --> 0:17:50.119
<v Speaker 2>stunk up my whole house and with their body odor

0:17:50.200 --> 0:17:53.040
<v Speaker 2>and didn't even do anything, and we had to book

0:17:53.080 --> 0:17:56.960
<v Speaker 2>another appointment. So but in our house, my husband does

0:17:57.000 --> 0:17:59.800
<v Speaker 2>the dishes and it's a beautiful thing. He decided that

0:17:59.800 --> 0:18:03.040
<v Speaker 2>I wasn't worthy. I don't love the dishwasher correctly, and

0:18:03.080 --> 0:18:06.280
<v Speaker 2>I was more than happy to continue to be bad

0:18:06.320 --> 0:18:07.880
<v Speaker 2>at it so that he would just take it over.

0:18:08.800 --> 0:18:10.880
<v Speaker 1>That's like me, I'm not gonna lie, do not watch

0:18:10.880 --> 0:18:12.119
<v Speaker 1>the dish.

0:18:11.680 --> 0:18:13.840
<v Speaker 2>It's fine, you know, it's hey. He doesn't cook, so

0:18:14.440 --> 0:18:17.679
<v Speaker 2>you know, it balances things out. But even when they

0:18:17.720 --> 0:18:19.320
<v Speaker 2>were there, they were like, do you know what setting

0:18:19.320 --> 0:18:21.399
<v Speaker 2>you guys usually use. I was like, maybe I've opened

0:18:21.440 --> 0:18:24.280
<v Speaker 2>that thing three times. I couldn't look.

0:18:24.680 --> 0:18:27.360
<v Speaker 1>Right, like it's here, but he treads it like a car.

0:18:27.520 --> 0:18:29.520
<v Speaker 2>You know, he's over there just like inspecting it and

0:18:29.640 --> 0:18:32.200
<v Speaker 2>like tinkering with it anyway.

0:18:32.600 --> 0:18:35.080
<v Speaker 1>But yeah, like, well, one of the things I did

0:18:35.160 --> 0:18:36.959
<v Speaker 1>learn about, like you know, for those of you who

0:18:37.000 --> 0:18:39.040
<v Speaker 1>are and then we'll wrap with the segment, Well, one

0:18:39.040 --> 0:18:41.080
<v Speaker 1>of the things I'd learned is that like, so I

0:18:41.160 --> 0:18:44.639
<v Speaker 1>didn't get I got like the everybody was telling me

0:18:44.720 --> 0:18:46.919
<v Speaker 1>like all the I don't know, techy guys, they were like,

0:18:46.960 --> 0:18:49.280
<v Speaker 1>make sure you get a warranty or not a warranty,

0:18:49.359 --> 0:18:51.200
<v Speaker 1>a warranty right on the refriger rate, and for sure

0:18:51.960 --> 0:18:52.320
<v Speaker 1>most of.

0:18:52.280 --> 0:18:54.040
<v Speaker 2>Them come with like a you know, at least a

0:18:54.119 --> 0:18:55.600
<v Speaker 2>year warranty, like knew about.

0:18:55.640 --> 0:18:58.160
<v Speaker 1>They're like it's worth it, Like it's worth the extension

0:18:58.200 --> 0:19:02.240
<v Speaker 1>because bridges aren'tously expensive to fix, and they almost always

0:19:02.280 --> 0:19:03.760
<v Speaker 1>especially if you've got like the ice maker and all

0:19:03.760 --> 0:19:06.200
<v Speaker 1>that kind of stuff, They're like, it's worth a warranty. Literally,

0:19:06.200 --> 0:19:08.000
<v Speaker 1>every single guy I know that was like, you know,

0:19:08.160 --> 0:19:11.160
<v Speaker 1>like mechanicy whatever I don't even know the word for it,

0:19:11.280 --> 0:19:13.520
<v Speaker 1>was like definitely they're like the stove not so much

0:19:13.560 --> 0:19:14.919
<v Speaker 1>like you know, you can whatever it comes with is

0:19:14.960 --> 0:19:17.840
<v Speaker 1>typically fine. They still typically don't break down as much

0:19:18.280 --> 0:19:21.199
<v Speaker 1>and they're not as expensive to fix. I didn't hear

0:19:21.200 --> 0:19:22.879
<v Speaker 1>about them, you know, I never even asked about the

0:19:23.119 --> 0:19:25.800
<v Speaker 1>I'm gonna ask like my mechanicy guy friends like should

0:19:25.840 --> 0:19:27.560
<v Speaker 1>I like should I get because I didn't get a

0:19:27.560 --> 0:19:29.639
<v Speaker 1>warranty on the dishwasher, but I definitely got like a

0:19:29.680 --> 0:19:32.400
<v Speaker 1>three year one and everybody was like no longer. I'm like, really,

0:19:32.400 --> 0:19:35.000
<v Speaker 1>they're like I'm telling you the refrigerator at some point,

0:19:35.080 --> 0:19:37.320
<v Speaker 1>the ice maker is going to stop working, and you're

0:19:37.359 --> 0:19:40.280
<v Speaker 1>you're it's the expense of like replacing the part and

0:19:40.320 --> 0:19:42.560
<v Speaker 1>this or that is gonna be that warranty for the year.

0:19:42.600 --> 0:19:44.480
<v Speaker 1>I'm like, whoa, So I'm actually that's one of like

0:19:44.520 --> 0:19:46.280
<v Speaker 1>on my to do list is to extend my warranty

0:19:46.280 --> 0:19:47.760
<v Speaker 1>on my on my on my fridge.

0:19:48.160 --> 0:19:51.119
<v Speaker 2>Hmmm. Interesting, I'll have to look into that. I actually

0:19:51.200 --> 0:19:53.960
<v Speaker 2>don't know. He was also in charge of purchasing the appliances,

0:19:54.000 --> 0:19:55.800
<v Speaker 2>so I don't know if he did any like extended

0:19:55.840 --> 0:19:57.080
<v Speaker 2>warranties or anything like that.

0:19:57.720 --> 0:19:59.119
<v Speaker 1>Like I said, Like I said, fridge is the one

0:19:59.160 --> 0:20:00.600
<v Speaker 1>to invest and if you're gonna do it, That's what

0:20:00.680 --> 0:20:02.760
<v Speaker 1>I've heard from the word on the street.

0:20:03.160 --> 0:20:05.040
<v Speaker 2>Well, the people who owned the house before had the

0:20:05.040 --> 0:20:07.480
<v Speaker 2>same fridge for like thirty years, so they're probably laughing

0:20:07.520 --> 0:20:08.760
<v Speaker 2>all like laughing at us with her.

0:20:09.160 --> 0:20:12.040
<v Speaker 1>We have those new appliances for real, Like I mean,

0:20:12.080 --> 0:20:14.280
<v Speaker 1>the fridge that just opens with nothing on the outside.

0:20:14.320 --> 0:20:17.400
<v Speaker 1>Those fridges last longer the people's lives, So like Grandma's

0:20:17.440 --> 0:20:20.840
<v Speaker 1>not here fridges, but like these new fancy fridges, Oh

0:20:20.840 --> 0:20:25.399
<v Speaker 1>my gosh, like the door door fridges. Yeah, tap on

0:20:25.440 --> 0:20:27.480
<v Speaker 1>the front and you can see inside. I mean you

0:20:27.480 --> 0:20:31.240
<v Speaker 1>could just open it and see inside. So yeah, they're

0:20:31.280 --> 0:20:34.000
<v Speaker 1>so fancy. Now. It's like cars remember before, Like you

0:20:34.040 --> 0:20:35.880
<v Speaker 1>didn't have to worry about your car window getting stuck.

0:20:35.960 --> 0:20:37.679
<v Speaker 1>It just was a roll. You just roll. Well, you're

0:20:37.720 --> 0:20:39.600
<v Speaker 1>probably too young, but you used to roll it, remember,

0:20:40.040 --> 0:20:40.679
<v Speaker 1>but you to.

0:20:40.960 --> 0:20:43.240
<v Speaker 2>I might have rolled my two thousand and three Ford

0:20:43.280 --> 0:20:46.040
<v Speaker 2>tours a couple of times. That was my first car.

0:20:46.320 --> 0:20:49.120
<v Speaker 2>I thought I was really styling with that Ford Tourist too,

0:20:50.480 --> 0:20:52.560
<v Speaker 2>till my cousin was like, that's a grandma car.

0:20:52.880 --> 0:20:54.399
<v Speaker 1>And You're like, what those are? Just hate all? It

0:20:54.400 --> 0:20:56.119
<v Speaker 1>takes this one person to say something and you're like

0:20:56.240 --> 0:20:58.679
<v Speaker 1>your whole perspective of your life changes. You're like, my

0:20:58.800 --> 0:21:04.800
<v Speaker 1>life is not the same. We gonna take questions.

0:21:05.280 --> 0:21:08.560
<v Speaker 2>We will right after this short break stick with us.

0:21:08.600 --> 0:21:10.760
<v Speaker 2>Oh that was a nice little that was like a

0:21:10.800 --> 0:21:15.560
<v Speaker 2>news segue. Take a quick break and be right back

0:21:15.560 --> 0:21:49.680
<v Speaker 2>to answer your questions.

0:21:51.560 --> 0:21:56.600
<v Speaker 1>Questions q U E. S. Jones. I don't want to

0:21:56.600 --> 0:21:58.240
<v Speaker 1>mess with the spelling because I'm not that great of

0:21:58.359 --> 0:21:58.760
<v Speaker 1>a spower.

0:22:00.600 --> 0:22:05.600
<v Speaker 2>Oh okay, I mean at least hear honest about it.

0:22:06.280 --> 0:22:08.160
<v Speaker 1>Yes, I can't wait. I heard we have some really

0:22:08.200 --> 0:22:09.240
<v Speaker 1>good questions.

0:22:09.400 --> 0:22:11.840
<v Speaker 2>You know, you guys have been gramming me. I think

0:22:11.840 --> 0:22:14.240
<v Speaker 2>I'm just gonna stick with the whole Graham thing. Wait

0:22:14.280 --> 0:22:20.000
<v Speaker 2>are we getting a question live right now? Oh my goodness,

0:22:20.000 --> 0:22:21.760
<v Speaker 2>I don't know if I can answer that. Thank you

0:22:21.760 --> 0:22:23.960
<v Speaker 2>guys for sending your questions via Instagram. I guess that's

0:22:23.960 --> 0:22:25.760
<v Speaker 2>like our thing now. Is that how we're going to communicate?

0:22:25.800 --> 0:22:29.360
<v Speaker 2>I mean, that's fine. We are at Brown Ambition podcast

0:22:29.480 --> 0:22:31.680
<v Speaker 2>on Instagram. Again, if you're going to send a question,

0:22:31.800 --> 0:22:34.960
<v Speaker 2>just send me a DM directly. Don't tag us in

0:22:35.000 --> 0:22:37.880
<v Speaker 2>your stories because I always like it's frustrating as people

0:22:37.880 --> 0:22:39.399
<v Speaker 2>tag us and then I you know, they only have

0:22:39.440 --> 0:22:41.080
<v Speaker 2>twenty four hours to see it, and then I have

0:22:41.200 --> 0:22:44.359
<v Speaker 2>no idea what they said. So if they're talking smack,

0:22:44.640 --> 0:22:47.439
<v Speaker 2>I never know. All right, let's do that. Let's do

0:22:47.520 --> 0:22:50.120
<v Speaker 2>a question. We haven't done any side hustle questions before.

0:22:50.160 --> 0:22:55.879
<v Speaker 2>This question comes from Instagram user Alissa Alisa Zilla on Instagram.

0:22:56.280 --> 0:22:58.440
<v Speaker 2>She says, I just started listening to your podcast be

0:22:58.520 --> 0:23:00.639
<v Speaker 2>a stitcher, and I've become a huge fan. I have

0:23:00.720 --> 0:23:03.760
<v Speaker 2>a question, what are some good side hustle ideas when

0:23:03.800 --> 0:23:10.399
<v Speaker 2>you have a really busy job. Good question do you

0:23:10.480 --> 0:23:11.720
<v Speaker 2>want to take? Do you wanna? Uh?

0:23:11.880 --> 0:23:15.280
<v Speaker 1>Well, I'm not like I'm not a super side hustler,

0:23:15.480 --> 0:23:18.919
<v Speaker 1>but I do know Sandy from you know, we had

0:23:18.960 --> 0:23:20.600
<v Speaker 1>her on right with Sandy here when I was in here.

0:23:20.760 --> 0:23:22.919
<v Speaker 2>Listen, we still have not has had Sandy Smith on

0:23:22.960 --> 0:23:23.320
<v Speaker 2>this show.

0:23:24.080 --> 0:23:28.840
<v Speaker 1>I know, I know you guys are gonna love her honestly. Yeah,

0:23:28.880 --> 0:23:31.000
<v Speaker 1>I well, she's a side hustle clean and she's amazing.

0:23:31.480 --> 0:23:33.159
<v Speaker 1>So I'm just gonna share some of the stuff. Like

0:23:33.200 --> 0:23:34.840
<v Speaker 1>you know, this is not my own genius. It's just

0:23:34.840 --> 0:23:37.359
<v Speaker 1>some like stuff that Sandy. Sandy actually has like this

0:23:37.440 --> 0:23:40.000
<v Speaker 1>like side hustle sheet. Maybe we could find it like

0:23:40.040 --> 0:23:42.200
<v Speaker 1>link and link in the show notes. But I remember

0:23:42.200 --> 0:23:44.600
<v Speaker 1>one thing she was like, so like, let's just say

0:23:44.600 --> 0:23:46.040
<v Speaker 1>you live in the city and you happen to have

0:23:46.080 --> 0:23:49.159
<v Speaker 1>a driveway, you might rent out your driveway for like

0:23:49.200 --> 0:23:50.960
<v Speaker 1>you know, like like, for example, I live in Newark

0:23:51.359 --> 0:23:54.120
<v Speaker 1>in one of the houses that I bought is close

0:23:54.160 --> 0:23:56.920
<v Speaker 1>to a train station, and so we're gonna rent out

0:23:57.200 --> 0:23:59.120
<v Speaker 1>because it's it's a multi it's gonna be a multi

0:23:59.160 --> 0:24:01.600
<v Speaker 1>family house. So any so we could potentially rent out

0:24:01.600 --> 0:24:04.359
<v Speaker 1>a driveway space for that you could rent how attic space.

0:24:05.200 --> 0:24:07.800
<v Speaker 1>Sandy made eighty thousand dollars in a year or so

0:24:08.040 --> 0:24:11.520
<v Speaker 1>on Amazon, selling like, you know, mugs and T shirts

0:24:11.560 --> 0:24:13.280
<v Speaker 1>and stuff on Amazon. She had a full time job

0:24:13.280 --> 0:24:16.360
<v Speaker 1>as an HR professional, and so she made the eighty

0:24:16.359 --> 0:24:18.080
<v Speaker 1>thousand because she wanted to pay off her student loan debt,

0:24:18.080 --> 0:24:21.879
<v Speaker 1>which she did. So there's always that it doesn't have

0:24:21.920 --> 0:24:24.479
<v Speaker 1>to be like your full time I think, I mean

0:24:24.520 --> 0:24:28.080
<v Speaker 1>asking yourself like there's braiding here, there's making cookies, there's babysit.

0:24:28.080 --> 0:24:33.600
<v Speaker 1>I used to babysit all the time. I used to tutoring,

0:24:33.720 --> 0:24:34.360
<v Speaker 1>light lifts.

0:24:34.560 --> 0:24:36.600
<v Speaker 2>I mean podcasting. This is a side hustle.

0:24:37.359 --> 0:24:39.399
<v Speaker 1>That's true. That's true. No, I never thought about that.

0:24:39.400 --> 0:24:41.080
<v Speaker 2>You're right, we'll make it a little some and something.

0:24:41.640 --> 0:24:43.920
<v Speaker 1>And there's a young woman I can't remember her name,

0:24:44.320 --> 0:24:46.199
<v Speaker 1>but like now it's become her full time thing. But

0:24:46.640 --> 0:24:54.120
<v Speaker 1>she used to she creates really healthy recipes for busy millennials,

0:24:54.320 --> 0:24:56.000
<v Speaker 1>and I think people pay like ten bucks a month

0:24:56.040 --> 0:24:58.000
<v Speaker 1>and she sent you recipes for like the month or whatever,

0:24:59.240 --> 0:25:01.800
<v Speaker 1>and they're like really great. But she's grown a seven

0:25:01.800 --> 0:25:05.080
<v Speaker 1>figure business as a result. I was literally just just

0:25:05.200 --> 0:25:07.960
<v Speaker 1>selling like access to recipes, which I thought was great

0:25:08.080 --> 0:25:09.560
<v Speaker 1>if you're a teacher, And this is something like I

0:25:09.600 --> 0:25:11.719
<v Speaker 1>would have done if I was still teaching, is if

0:25:11.760 --> 0:25:13.720
<v Speaker 1>you have great lesson plans. I know a young woman

0:25:14.040 --> 0:25:17.480
<v Speaker 1>that sells her lesson plans because she does really detailed

0:25:17.560 --> 0:25:19.000
<v Speaker 1>lesson plans. And if you've ever been a teacher of

0:25:19.000 --> 0:25:21.119
<v Speaker 1>writing lesson plans is that pain in the butt. So

0:25:21.160 --> 0:25:24.440
<v Speaker 1>she does these detailed lesson plans and then she does

0:25:24.440 --> 0:25:26.800
<v Speaker 1>like new ones every month for the month, and you know,

0:25:26.840 --> 0:25:28.440
<v Speaker 1>you do a subscription so you can print them out

0:25:28.440 --> 0:25:30.480
<v Speaker 1>and you don't have to do lesson plans, and you

0:25:30.520 --> 0:25:32.159
<v Speaker 1>had you can already know what she's gonna do with

0:25:32.200 --> 0:25:34.800
<v Speaker 1>your kids for the for the for the month. So

0:25:34.840 --> 0:25:38.000
<v Speaker 1>that's another really great one to me. The best side

0:25:38.040 --> 0:25:42.200
<v Speaker 1>hustles are like intellectual ones, meaning like they don't require

0:25:42.760 --> 0:25:47.280
<v Speaker 1>physically doing something, you know, because because your time is limited,

0:25:47.320 --> 0:25:49.280
<v Speaker 1>that's what I'm assuming that you mean by busy. So

0:25:49.359 --> 0:25:51.600
<v Speaker 1>if there's some sort of knowledge that you can sell

0:25:52.240 --> 0:25:54.960
<v Speaker 1>that you know, that's always a great side hustle. But yes,

0:25:55.000 --> 0:25:56.280
<v Speaker 1>Andy had like this whole sheet that I was like,

0:25:56.280 --> 0:25:58.199
<v Speaker 1>oh my gosh, I never thought of these things. One

0:25:58.240 --> 0:25:59.640
<v Speaker 1>of the things I used to do all the time

0:26:00.160 --> 0:26:01.760
<v Speaker 1>was I used to do studies when I was like

0:26:01.760 --> 0:26:04.120
<v Speaker 1>a super broke college kid. Well MeOH my life.

0:26:04.400 --> 0:26:06.040
<v Speaker 2>My husband used to do those too.

0:26:06.160 --> 0:26:09.679
<v Speaker 1>Yeah, okay, so my I've done sleep studies. Well I'm

0:26:09.720 --> 0:26:12.199
<v Speaker 1>not just sleep studies but his studies in general and

0:26:12.280 --> 0:26:15.960
<v Speaker 1>focus groups, and so one time I did the sleep study.

0:26:16.119 --> 0:26:17.440
<v Speaker 1>I didn't want to do it by myself because you

0:26:17.440 --> 0:26:19.480
<v Speaker 1>actually had to like sleep over at the sleep study place.

0:26:19.520 --> 0:26:21.720
<v Speaker 1>So my roommate, my college roommate, and I did it. It

0:26:21.680 --> 0:26:24.000
<v Speaker 1>was twenty five hundred dollars. I forget what they were

0:26:24.080 --> 0:26:27.320
<v Speaker 1>like looking for or studying, but I've done studies on

0:26:27.440 --> 0:26:29.560
<v Speaker 1>like soap, where they're like, gave you soap to take home.

0:26:29.560 --> 0:26:31.000
<v Speaker 1>You're supposed to wash your face with it, which I

0:26:31.040 --> 0:26:33.160
<v Speaker 1>was like, not me. I used to wash my hands

0:26:33.160 --> 0:26:34.240
<v Speaker 1>with it because I was like, you will not be

0:26:34.320 --> 0:26:38.000
<v Speaker 1>ruining this complexion, but don't be like me, because clearly

0:26:38.040 --> 0:26:39.880
<v Speaker 1>they were like taking pictures in my face every week,

0:26:39.880 --> 0:26:41.359
<v Speaker 1>and I did start to feel guilty, like this is

0:26:41.400 --> 0:26:46.520
<v Speaker 1>not even real. But I've definitely done a ton of

0:26:46.560 --> 0:26:49.639
<v Speaker 1>focus groups, I remember, which was actually really cool. I

0:26:49.640 --> 0:26:53.040
<v Speaker 1>did a focus group once on the Wizarding World of

0:26:53.080 --> 0:26:56.639
<v Speaker 1>Harry Potter. It was yes, they did. They gave me

0:26:56.680 --> 0:26:58.679
<v Speaker 1>two hundred and fifty dollars. I went to the city

0:26:59.240 --> 0:27:01.680
<v Speaker 1>and they wanted me to sit in this room and

0:27:02.760 --> 0:27:04.919
<v Speaker 1>on the main screen was like a mirror of the

0:27:04.920 --> 0:27:07.800
<v Speaker 1>computer screen, and they said, pretend like you're booking a

0:27:07.880 --> 0:27:11.760
<v Speaker 1>vacation to Universal Studios and you want to go to

0:27:11.800 --> 0:27:13.760
<v Speaker 1>the Wizarding World of Harry Potter. So I think it

0:27:13.800 --> 0:27:16.800
<v Speaker 1>was just coming out, or I don't know, or they

0:27:16.800 --> 0:27:18.639
<v Speaker 1>were just rebuilding the website. So they just wanted to

0:27:18.640 --> 0:27:20.840
<v Speaker 1>see if the website was like it was easy to navigate.

0:27:21.240 --> 0:27:22.800
<v Speaker 1>So I would navigate and they'd be like, watch you

0:27:22.840 --> 0:27:24.800
<v Speaker 1>press that button. I'm like, cause it was right here,

0:27:24.840 --> 0:27:26.560
<v Speaker 1>I guess because I noticed it because it was red.

0:27:26.720 --> 0:27:28.679
<v Speaker 1>So they were just like watching how do people naturally

0:27:28.800 --> 0:27:31.640
<v Speaker 1>navigate the site? And it was so crazy because maybe

0:27:31.640 --> 0:27:34.040
<v Speaker 1>a few years later I ended up taking Supergroom, my

0:27:34.080 --> 0:27:36.679
<v Speaker 1>bonus daughter to Harry Potter, and I was like, oh

0:27:36.720 --> 0:27:38.840
<v Speaker 1>my gosh, and I was booking it and I was like,

0:27:39.080 --> 0:27:42.040
<v Speaker 1>I go this site. Glad to see they took my advice.

0:27:42.080 --> 0:27:46.080
<v Speaker 1>I mean, well, I don't know if there's a but yeah,

0:27:46.119 --> 0:27:48.679
<v Speaker 1>that's I mean studies. I found a lot of focus

0:27:48.680 --> 0:27:51.480
<v Speaker 1>groups and studies on Craigslist. Was actually I think focus

0:27:51.560 --> 0:27:53.840
<v Speaker 1>groups dot com. They still call me to this day.

0:27:53.880 --> 0:27:56.639
<v Speaker 1>They called me maybe like a few weeks ago, saying, hey,

0:27:56.760 --> 0:27:58.360
<v Speaker 1>would you like to And I was like no, but

0:27:58.680 --> 0:28:02.359
<v Speaker 1>you know it's typically one hundred dollars or more. But

0:28:02.400 --> 0:28:03.880
<v Speaker 1>if you're really busy, you might not have the time

0:28:03.920 --> 0:28:06.480
<v Speaker 1>for that. But like I said, if you know something,

0:28:06.880 --> 0:28:09.840
<v Speaker 1>see if you can sell it for You can create

0:28:09.960 --> 0:28:13.359
<v Speaker 1>like a like canva c a n BA instead of

0:28:13.359 --> 0:28:15.920
<v Speaker 1>canvas with s take off the s. You can make

0:28:16.000 --> 0:28:21.400
<v Speaker 1>like little PDFs, and you can create things that people

0:28:21.440 --> 0:28:23.320
<v Speaker 1>can download. Let's just say, like I said, you're really good,

0:28:23.320 --> 0:28:25.560
<v Speaker 1>like you got an awesome kid who's like super smart,

0:28:25.800 --> 0:28:28.320
<v Speaker 1>how to raise kids or whatever it is, and you

0:28:28.359 --> 0:28:31.080
<v Speaker 1>sell it for under ten bucks anywhere from five bucks,

0:28:31.160 --> 0:28:33.760
<v Speaker 1>two bucks, three bucks, and you know you're you're you

0:28:34.080 --> 0:28:37.000
<v Speaker 1>post it on social So to me, like I said,

0:28:37.040 --> 0:28:40.200
<v Speaker 1>intellectual kind of property is like it's a great way

0:28:40.480 --> 0:28:42.240
<v Speaker 1>to make money without having to do a whole bunch

0:28:42.280 --> 0:28:42.640
<v Speaker 1>of work.

0:28:43.520 --> 0:28:46.560
<v Speaker 2>Yeah, and I'll just add, especially if you're really busy

0:28:46.640 --> 0:28:48.760
<v Speaker 2>with the job, Like you know, I said this podcast

0:28:48.760 --> 0:28:51.120
<v Speaker 2>as a side hustle, and if it weren't something that

0:28:51.160 --> 0:28:54.160
<v Speaker 2>I genuinely enjoyed, it would be such a pain, even thoughough,

0:28:54.400 --> 0:28:57.080
<v Speaker 2>even though it's not a huge time suck, do something

0:28:57.120 --> 0:28:59.120
<v Speaker 2>that you enjoy and like try and take advantage something

0:28:59.160 --> 0:29:01.040
<v Speaker 2>that you're already good at so that it doesn't feel

0:29:01.040 --> 0:29:04.280
<v Speaker 2>like additional work. But I take advantage of some like

0:29:04.280 --> 0:29:07.120
<v Speaker 2>in this gig economy there I mean, I use. I

0:29:07.120 --> 0:29:09.520
<v Speaker 2>can just list off at least a handful of gig

0:29:09.560 --> 0:29:11.680
<v Speaker 2>economy apps that I use every day that make my

0:29:11.720 --> 0:29:13.840
<v Speaker 2>life easier and could be a great side hustle if

0:29:13.880 --> 0:29:16.160
<v Speaker 2>you've got the time. So one of them is my

0:29:16.280 --> 0:29:19.160
<v Speaker 2>dog walking app wag, which a lot of I do

0:29:19.280 --> 0:29:22.880
<v Speaker 2>get like a variety of different walkers, and they all

0:29:22.920 --> 0:29:25.440
<v Speaker 2>have different backgrounds, like their college students and they had

0:29:25.440 --> 0:29:28.360
<v Speaker 2>the summer off, or like my very favorite dog walker,

0:29:28.720 --> 0:29:31.600
<v Speaker 2>he just wanted a career change and just decided to

0:29:31.640 --> 0:29:33.600
<v Speaker 2>as a segue he would do a few side hustles,

0:29:33.600 --> 0:29:37.440
<v Speaker 2>including being a wagwalker. There's of course, like Uber and Lyft.

0:29:37.960 --> 0:29:41.080
<v Speaker 2>There's task Rabbit, which I use all the time, especially

0:29:41.120 --> 0:29:44.760
<v Speaker 2>like if you run like offices, if we need someone

0:29:44.760 --> 0:29:48.360
<v Speaker 2>to build furniture or something. We'll use task rabbit. There's

0:29:48.480 --> 0:29:51.320
<v Speaker 2>a lot of things out there, but I think the

0:29:51.360 --> 0:29:54.120
<v Speaker 2>best side hustle is one where it's a talent that

0:29:54.160 --> 0:29:58.040
<v Speaker 2>you have, that you enjoy doing and you can monetize it. Yes,

0:29:58.360 --> 0:30:01.520
<v Speaker 2>so start from there, because if you don't enjoy driving

0:30:01.640 --> 0:30:04.360
<v Speaker 2>or using gas and miles, or you don't enjoy dogs, like,

0:30:04.880 --> 0:30:07.760
<v Speaker 2>that's not going to be this side hustle for you.

0:30:08.680 --> 0:30:12.880
<v Speaker 1>Yeah, And like I said, just figuring out what you

0:30:12.960 --> 0:30:14.920
<v Speaker 1>already had to know and figuring out how do I

0:30:14.960 --> 0:30:17.760
<v Speaker 1>monetize that. Social media is like so your friend you

0:30:17.800 --> 0:30:19.560
<v Speaker 1>know you actually you know, and I'll leave you this

0:30:19.600 --> 0:30:22.920
<v Speaker 1>piece of advice. There are literally side hustle groups on Facebook,

0:30:23.400 --> 0:30:25.440
<v Speaker 1>so just type in side hustle and see like what

0:30:25.600 --> 0:30:27.760
<v Speaker 1>kind of comes up. Because you can join those groups

0:30:27.800 --> 0:30:29.840
<v Speaker 1>and ask and you know, there might be somebody who's

0:30:29.920 --> 0:30:32.120
<v Speaker 1>rocking out killing it. You're like, well, I never thought

0:30:32.120 --> 0:30:34.840
<v Speaker 1>about it that way. So that's definitely because if you

0:30:34.880 --> 0:30:36.520
<v Speaker 1>are going to want to sell stuff online, you're gonna

0:30:36.520 --> 0:30:38.240
<v Speaker 1>want to know, well, what website and how do I

0:30:38.320 --> 0:30:40.560
<v Speaker 1>do this? And those groups can really help guide you

0:30:40.600 --> 0:30:42.560
<v Speaker 1>because I'll have people in there that are doing it. Already.

0:30:43.040 --> 0:30:45.320
<v Speaker 2>Oh that's a great tip. Yeah, side hustle. I mean

0:30:45.320 --> 0:30:48.160
<v Speaker 2>there's podcasts about side hustles. I almost just blurted out

0:30:48.200 --> 0:30:51.760
<v Speaker 2>one that I think I've seen before, Side Hustle Nation there.

0:30:52.000 --> 0:30:56.200
<v Speaker 2>It's just there's tons of resources out there, so good look,

0:30:56.920 --> 0:30:58.560
<v Speaker 2>it's a good time to be a side hustler.

0:30:59.040 --> 0:30:59.560
<v Speaker 1>It is.

0:31:00.320 --> 0:31:03.520
<v Speaker 2>Thank you for your question, Eliza Aliscilla if I got

0:31:03.520 --> 0:31:06.040
<v Speaker 2>that right. And let's see, there was one in here

0:31:06.760 --> 0:31:11.800
<v Speaker 2>that mentioned my favorite person ever, Dave Ramsey, and that's

0:31:12.040 --> 0:31:13.920
<v Speaker 2>never mind. I don't even want to go there because

0:31:13.960 --> 0:31:17.400
<v Speaker 2>y'all come for Dave Ramsey. If you're Dave Ramsey, I

0:31:17.480 --> 0:31:18.480
<v Speaker 2>know I'm not.

0:31:20.840 --> 0:31:24.160
<v Speaker 1>That's boys, I've gotten it before.

0:31:24.360 --> 0:31:26.480
<v Speaker 2>I love to like, I love to stir the little

0:31:26.520 --> 0:31:31.400
<v Speaker 2>hornet's nest. But anyway, let me find this question. Oh y'all,

0:31:31.480 --> 0:31:36.760
<v Speaker 2>Instagram is not easy to navigate. Okay, here we go.

0:31:37.200 --> 0:31:40.560
<v Speaker 2>So this question comes from listener Carries. It's a pretty name,

0:31:40.880 --> 0:31:42.920
<v Speaker 2>all right. She is, Hi, Mandy and Tiffany. I ran

0:31:43.000 --> 0:31:46.760
<v Speaker 2>across your show from another Instagram user's post. I have

0:31:46.840 --> 0:31:50.640
<v Speaker 2>a question about credit scores. I've done Dave Ramsey's financial

0:31:50.720 --> 0:31:53.640
<v Speaker 2>peace class in the past and understand his perspective about

0:31:53.680 --> 0:31:56.840
<v Speaker 2>the credit score being less important, and listening to you

0:31:57.120 --> 0:31:59.320
<v Speaker 2>on your podcast and others in the financial space, I

0:31:59.480 --> 0:32:02.600
<v Speaker 2>was surprised to see that you guys emphasize credit scores

0:32:02.640 --> 0:32:05.200
<v Speaker 2>and credit worthiness. Can you explain where you're coming from?

0:32:05.720 --> 0:32:07.240
<v Speaker 2>Is that meant for those who are trying to do

0:32:07.360 --> 0:32:09.800
<v Speaker 2>better financially but not as much for those who want

0:32:09.840 --> 0:32:12.960
<v Speaker 2>to be financially free? I love the show, Keep giving

0:32:13.080 --> 0:32:13.920
<v Speaker 2>us the greatness.

0:32:15.120 --> 0:32:17.120
<v Speaker 1>Oh is that a little bit of shit in there? Like?

0:32:17.480 --> 0:32:19.080
<v Speaker 1>I mean for those other folks who don't want be

0:32:19.160 --> 0:32:21.040
<v Speaker 1>financially pre who's that because you have a credit card

0:32:21.040 --> 0:32:22.320
<v Speaker 1>you don't want to be financially free?

0:32:23.040 --> 0:32:24.880
<v Speaker 2>But that's I mean, you take this one because I

0:32:24.960 --> 0:32:27.520
<v Speaker 2>know that you've you've gotten this question before and you

0:32:27.640 --> 0:32:30.560
<v Speaker 2>have some thoughts on like because Dave Ramsey's philosophy is

0:32:30.600 --> 0:32:33.360
<v Speaker 2>that credit cards are the devil, and the devil is

0:32:33.360 --> 0:32:36.280
<v Speaker 2>a lie and you should help them up right? That

0:32:36.400 --> 0:32:37.080
<v Speaker 2>did I sum it up?

0:32:39.080 --> 0:32:43.280
<v Speaker 1>Well? Here's the thing. So my personal the way I

0:32:43.400 --> 0:32:46.240
<v Speaker 1>operate as Tiffany, I actually operate closer to the Dave

0:32:46.320 --> 0:32:48.600
<v Speaker 1>Ramsey message method than because I don't I don't have

0:32:48.600 --> 0:32:50.160
<v Speaker 1>any credit card debt, I paid off in four I

0:32:50.280 --> 0:32:52.520
<v Speaker 1>rarely use my credit card. I pay I even pay

0:32:52.560 --> 0:32:55.960
<v Speaker 1>for my houses in cash, including my car. Superman bar

0:32:56.120 --> 0:32:59.000
<v Speaker 1>his car cast So I'm not here to say Dave

0:32:59.080 --> 0:33:00.959
<v Speaker 1>Ramsey is the worst, because the truth is the way

0:33:01.000 --> 0:33:03.160
<v Speaker 1>I live my personal life is more in alignment with that.

0:33:03.880 --> 0:33:09.920
<v Speaker 1>But I am also someone who believes that you have

0:33:10.040 --> 0:33:11.840
<v Speaker 1>to meet people where they are. And I don't even

0:33:12.120 --> 0:33:15.880
<v Speaker 1>believe that there's one way to financial freedom because I

0:33:15.920 --> 0:33:19.360
<v Speaker 1>didn't always live like that. And truthfully, the reason why

0:33:19.400 --> 0:33:21.400
<v Speaker 1>I pay for everything in cash, it's not, honestly the

0:33:21.480 --> 0:33:24.760
<v Speaker 1>healthiest reason is because I'm afraid because I have not

0:33:24.880 --> 0:33:28.000
<v Speaker 1>gotten over the procession, and I carry too much cash

0:33:28.120 --> 0:33:30.320
<v Speaker 1>with me. And at one point I had so much

0:33:30.400 --> 0:33:32.480
<v Speaker 1>that I actually was I had to do something, so

0:33:32.600 --> 0:33:35.080
<v Speaker 1>I bought a house. That's not healthy, you know. So.

0:33:35.440 --> 0:33:38.080
<v Speaker 1>But here's the thing about credit. I used to believe

0:33:38.080 --> 0:33:41.360
<v Speaker 1>that credit was the devil. It is not. That credit

0:33:41.880 --> 0:33:44.520
<v Speaker 1>is not just for people who are looking to borrow. So,

0:33:44.720 --> 0:33:47.560
<v Speaker 1>great you have a house, Great you might have a car.

0:33:48.280 --> 0:33:52.160
<v Speaker 1>But here's the thing. Like maintaining a decent credit score,

0:33:52.600 --> 0:33:55.080
<v Speaker 1>it's only helpful. It does not hurt you to maintain

0:33:55.120 --> 0:33:56.840
<v Speaker 1>a decent credit score. It doesn't mean that you have

0:33:56.920 --> 0:33:58.480
<v Speaker 1>to get more credit or you have to borrow whatever,

0:33:58.600 --> 0:34:01.080
<v Speaker 1>But just being mindful of your credit is going to

0:34:01.120 --> 0:34:04.320
<v Speaker 1>be helpful because it's not just about you know, you

0:34:04.880 --> 0:34:07.280
<v Speaker 1>already have your house, you already have your car, because

0:34:07.320 --> 0:34:09.320
<v Speaker 1>eventually you might want another car, Eventually you might have

0:34:09.440 --> 0:34:11.480
<v Speaker 1>to rent a car. Eventually, actually might want to get

0:34:11.480 --> 0:34:16.000
<v Speaker 1>a job. Yep. That like my mentee was she graduated

0:34:16.120 --> 0:34:17.880
<v Speaker 1>law school and she was scared that she was not

0:34:17.960 --> 0:34:20.319
<v Speaker 1>going to be hired because they took her credit score

0:34:20.400 --> 0:34:24.120
<v Speaker 1>into consideration. There are, like I knew, not just lawyers.

0:34:24.320 --> 0:34:26.439
<v Speaker 1>I knew a young woman that didn't get She worked

0:34:26.440 --> 0:34:30.880
<v Speaker 1>at a truck like a truck driving company, and I

0:34:30.960 --> 0:34:33.520
<v Speaker 1>forget what role she wanted to play, but she wanted

0:34:33.560 --> 0:34:35.719
<v Speaker 1>to get a promotion and had she came to my

0:34:35.840 --> 0:34:38.440
<v Speaker 1>class because they would not give her a promotion until

0:34:38.960 --> 0:34:40.960
<v Speaker 1>she in order for her to move into this new position,

0:34:41.320 --> 0:34:43.320
<v Speaker 1>she had to have a credit score of a particular

0:34:43.440 --> 0:34:48.160
<v Speaker 1>number or better. So credit is not just about borrowing.

0:34:48.560 --> 0:34:51.120
<v Speaker 1>There are aspects of your life that are affected by credit.

0:34:51.440 --> 0:34:53.120
<v Speaker 1>That's why I said just in general, because a woman

0:34:53.160 --> 0:34:55.439
<v Speaker 1>that told me once, Mandy, that like, let my credit

0:34:55.440 --> 0:34:57.160
<v Speaker 1>score go to zero. I don't care. I already got

0:34:57.239 --> 0:34:57.600
<v Speaker 1>my car.

0:34:57.560 --> 0:34:58.000
<v Speaker 2>In my house.

0:34:58.080 --> 0:35:02.800
<v Speaker 1>I'm like says, So here's the thing. If you know,

0:35:02.920 --> 0:35:04.040
<v Speaker 1>like I said, if you ever want to get a

0:35:05.080 --> 0:35:06.680
<v Speaker 1>to rent a car, if you ever want to get

0:35:06.680 --> 0:35:09.920
<v Speaker 1>another car, certain job. But not just that. But like

0:35:10.080 --> 0:35:11.960
<v Speaker 1>I know that the PC and G I live in

0:35:11.960 --> 0:35:15.239
<v Speaker 1>New Jersey, so it's like coneticon in like New York

0:35:15.280 --> 0:35:18.840
<v Speaker 1>and other places. So that is our energy company they have.

0:35:19.120 --> 0:35:22.080
<v Speaker 1>They have the ability to actually charge you more poor

0:35:22.280 --> 0:35:24.560
<v Speaker 1>kill a bot or kill a lot whatever. That that

0:35:24.920 --> 0:35:28.480
<v Speaker 1>energy measurement is if you have poor credit. So literally

0:35:28.920 --> 0:35:31.760
<v Speaker 1>your electric bill could be higher if you have poor credit.

0:35:32.239 --> 0:35:34.040
<v Speaker 1>So that's why I just share with people that, like,

0:35:34.680 --> 0:35:38.239
<v Speaker 1>credit is not just about credit cards. Credit is about

0:35:38.280 --> 0:35:41.600
<v Speaker 1>your ability to pay back. That's what they're judging. They're

0:35:41.640 --> 0:35:44.160
<v Speaker 1>not judging and saying you got credit cards, They're saying,

0:35:44.760 --> 0:35:48.439
<v Speaker 1>have you proven that you have the ability to pay back?

0:35:48.719 --> 0:35:51.279
<v Speaker 1>Because if you do, that means that there's a certain

0:35:51.360 --> 0:35:54.480
<v Speaker 1>level of a level of financial integrity that pours into

0:35:54.560 --> 0:35:56.880
<v Speaker 1>other parts of your life. So we're using that to

0:35:56.960 --> 0:35:59.160
<v Speaker 1>judge you whether it's right or not. You know, I

0:35:59.239 --> 0:36:00.799
<v Speaker 1>don't know this is still legal, but I remember at

0:36:00.840 --> 0:36:03.600
<v Speaker 1>one point, if you had Dad credit, your your car

0:36:03.680 --> 0:36:05.319
<v Speaker 1>insurance was higher in New Jersey. But I'm not sure

0:36:05.360 --> 0:36:08.239
<v Speaker 1>if that's still legal. I vaguely remember like there was

0:36:08.280 --> 0:36:10.200
<v Speaker 1>some law pass saying they couldn't do that, but like

0:36:10.280 --> 0:36:13.840
<v Speaker 1>your cornsurance. So I didn't say all that to say that, like,

0:36:14.320 --> 0:36:17.000
<v Speaker 1>you know, like I I you know, I live in

0:36:17.280 --> 0:36:19.520
<v Speaker 1>alignment with a lot of Dave Ramsey's principle. Let me

0:36:19.560 --> 0:36:22.120
<v Speaker 1>not even say Dame Ramsey's principles because he is not Jesus.

0:36:22.640 --> 0:36:24.840
<v Speaker 1>Like a lot of these principles are just principles that

0:36:25.000 --> 0:36:28.760
<v Speaker 1>Dave Ramsey is just reiterating. But he didn't invent these principles.

0:36:28.800 --> 0:36:31.080
<v Speaker 1>These principles have been here. There are literally books that

0:36:31.160 --> 0:36:33.200
<v Speaker 1>were around before he was born that these principles have

0:36:33.280 --> 0:36:35.680
<v Speaker 1>been shared in. And so I never I've not read

0:36:35.760 --> 0:36:38.759
<v Speaker 1>anything of Dave Ramsey's principles. And and yet the way

0:36:38.800 --> 0:36:40.080
<v Speaker 1>I live my life, this is what I learned from

0:36:40.080 --> 0:36:42.040
<v Speaker 1>my dad. He doesn't know who Dave Ramsey is. This

0:36:42.160 --> 0:36:43.840
<v Speaker 1>is what he learned from his dad. These are just

0:36:44.000 --> 0:36:48.160
<v Speaker 1>general principles of life. But I don't want that that

0:36:48.320 --> 0:36:50.920
<v Speaker 1>you look at credit with your nose turned up, because

0:36:51.000 --> 0:36:52.759
<v Speaker 1>the truth of The matter is, if you live in

0:36:52.800 --> 0:36:57.560
<v Speaker 1>the United States of America, oftentimes your credit score is

0:36:57.760 --> 0:37:00.600
<v Speaker 1>really going it's going to affect more than just your

0:37:00.640 --> 0:37:03.520
<v Speaker 1>ability to borrow. And so I don't want you to

0:37:03.560 --> 0:37:05.719
<v Speaker 1>be caught, you know, by asking you might want this

0:37:05.800 --> 0:37:08.480
<v Speaker 1>amazing new job, and they're like, yeah, well we need

0:37:08.520 --> 0:37:10.400
<v Speaker 1>to know what your credit score is. It's like, wait, what,

0:37:11.120 --> 0:37:13.040
<v Speaker 1>I didn't know. I let it go because I already

0:37:13.040 --> 0:37:15.080
<v Speaker 1>have the things that I need. And like I said,

0:37:15.120 --> 0:37:17.520
<v Speaker 1>you don't have to borrow in order to maintain a

0:37:17.560 --> 0:37:21.120
<v Speaker 1>decent credit score. Just continue paying you know, monitory. You

0:37:21.200 --> 0:37:22.879
<v Speaker 1>might look at it just a couple of times a year.

0:37:23.040 --> 0:37:25.919
<v Speaker 1>And yeah, and I don't think we talked The reason

0:37:26.000 --> 0:37:28.279
<v Speaker 1>why we talked about credit a lot on our show

0:37:28.400 --> 0:37:30.839
<v Speaker 1>is because people ask, you know, not because I don't

0:37:30.840 --> 0:37:32.120
<v Speaker 1>think me and Mandy, I mean me and Mandy. I

0:37:32.160 --> 0:37:34.960
<v Speaker 1>mean you're you're a payer down or like I am.

0:37:35.040 --> 0:37:37.560
<v Speaker 1>You know, Mandy can't stand debt either, you know.

0:37:37.840 --> 0:37:39.560
<v Speaker 2>So I don't even care of a zero percent that

0:37:40.040 --> 0:37:43.440
<v Speaker 2>I have learned. I cannot stomach it. I keeps stay

0:37:43.480 --> 0:37:44.719
<v Speaker 2>up at night and my husband's like, why are you

0:37:44.719 --> 0:37:47.759
<v Speaker 2>stressing out? I'm like, cause it's there. And like what

0:37:47.920 --> 0:37:48.680
<v Speaker 2>if X y Z.

0:37:49.360 --> 0:37:51.200
<v Speaker 1>Yeah. So I don't think we like tout it right,

0:37:51.280 --> 0:37:52.680
<v Speaker 1>I feel like we know. I feel we live more

0:37:52.840 --> 0:37:54.719
<v Speaker 1>in the line with Abrams these principles. But it's just

0:37:54.800 --> 0:37:56.799
<v Speaker 1>that we understand that there are folks who need who

0:37:56.840 --> 0:37:59.480
<v Speaker 1>are needing that information, and they ask we're going to answer. Yeah.

0:37:59.520 --> 0:38:01.640
<v Speaker 2>I mean, listen, there are people who were in a

0:38:01.680 --> 0:38:03.920
<v Speaker 2>bad situation and they're already there, So does it help

0:38:03.960 --> 0:38:05.640
<v Speaker 2>me to tell them, Hey, you should have never done

0:38:05.680 --> 0:38:08.080
<v Speaker 2>that in the first place. And no, we try to

0:38:08.120 --> 0:38:10.440
<v Speaker 2>give advice that's realistic for the people and like meet

0:38:10.480 --> 0:38:12.560
<v Speaker 2>you guys where you're at. And I think like, if

0:38:12.600 --> 0:38:14.880
<v Speaker 2>you've managed to maintain a high credit without it, you know,

0:38:14.920 --> 0:38:17.799
<v Speaker 2>without a credit card, or you haven't used credit cards

0:38:17.840 --> 0:38:19.840
<v Speaker 2>in a while and it's working for you, or you

0:38:19.880 --> 0:38:22.320
<v Speaker 2>don't trust yourself with cards and you know better and

0:38:22.400 --> 0:38:24.479
<v Speaker 2>you want to like keep them away from yourself, that's cool.

0:38:24.520 --> 0:38:26.600
<v Speaker 2>But yeah, there is a benefit if you can, if

0:38:26.600 --> 0:38:28.839
<v Speaker 2>you're responsible with credit. And I think when we talk

0:38:28.880 --> 0:38:31.160
<v Speaker 2>about credit, it's always about the way to use it,

0:38:31.560 --> 0:38:34.719
<v Speaker 2>the smart way, so that it's working for you and

0:38:34.880 --> 0:38:37.560
<v Speaker 2>not against you and you're not actually giving money to

0:38:38.280 --> 0:38:42.520
<v Speaker 2>you know, major credit card companies or banks and just

0:38:42.640 --> 0:38:45.640
<v Speaker 2>kind of falling into that that endless debt cycle, which

0:38:45.719 --> 0:38:49.600
<v Speaker 2>is really terrible. So I like see where the anti

0:38:49.680 --> 0:38:52.520
<v Speaker 2>credit card sentiment comes from. But sometimes that's just not

0:38:52.560 --> 0:38:54.680
<v Speaker 2>where people are at, and you've got to we've got

0:38:54.760 --> 0:38:55.960
<v Speaker 2>to meet them, meet you guys.

0:38:56.360 --> 0:38:59.279
<v Speaker 1>Some like the the when people are like, oh my gosh,

0:38:59.320 --> 0:39:04.160
<v Speaker 1>you know, teenage just preach abstinence. It's like, right, why

0:39:04.280 --> 0:39:06.120
<v Speaker 1>they're going to have some sex? Like yes, well some

0:39:06.280 --> 0:39:10.239
<v Speaker 1>teenagers like adhere to the abstinence, like yeah, but it's

0:39:10.360 --> 0:39:13.839
<v Speaker 1>not you know, like it's not fair to only say, hey,

0:39:13.960 --> 0:39:17.040
<v Speaker 1>teens just don't have sex, because the truth is some

0:39:17.200 --> 0:39:19.719
<v Speaker 1>are going to. So if we don't give them, you know,

0:39:19.960 --> 0:39:22.440
<v Speaker 1>like the if we don't give them education about it,

0:39:22.840 --> 0:39:24.480
<v Speaker 1>then they're going to seek it out on their own

0:39:24.560 --> 0:39:27.040
<v Speaker 1>and they're almost always going to be wrong. And so

0:39:27.200 --> 0:39:29.600
<v Speaker 1>it's just like, well, this is happening, and so there

0:39:29.640 --> 0:39:31.400
<v Speaker 1>should be a well round I don't I believe is

0:39:31.440 --> 0:39:34.400
<v Speaker 1>there should be a well rounded approach to financial education.

0:39:34.920 --> 0:39:37.720
<v Speaker 1>I don't believe in extremes because we don't live in extremes.

0:39:37.760 --> 0:39:41.560
<v Speaker 1>I feel like finding where people are and guiding them

0:39:41.680 --> 0:39:44.080
<v Speaker 1>towards where they want where they want to be, not

0:39:44.160 --> 0:39:46.160
<v Speaker 1>where I think they ought to be. That's another thing too.

0:39:46.200 --> 0:39:49.440
<v Speaker 1>I really believe in, you know, financial education without the judgment,

0:39:49.440 --> 0:39:50.839
<v Speaker 1>because I mean, I used to be, because I used

0:39:50.840 --> 0:39:52.759
<v Speaker 1>to be like financially perfect, like oh I did this,

0:39:52.880 --> 0:39:54.920
<v Speaker 1>I did that, and then it all fell apart during

0:39:54.920 --> 0:39:57.080
<v Speaker 1>a recession, and it humbled me real quick, like oh

0:39:57.840 --> 0:40:01.520
<v Speaker 1>so so the things happen and I could say, I mean,

0:40:01.560 --> 0:40:03.279
<v Speaker 1>like I said, I use credit what the last trip

0:40:03.320 --> 0:40:04.640
<v Speaker 1>I went on, the last two trips to me and

0:40:04.680 --> 0:40:09.120
<v Speaker 1>my husband went on points? Okay, like those credit card points,

0:40:09.880 --> 0:40:11.799
<v Speaker 1>like I I mean, because I pay my credit cards

0:40:11.840 --> 0:40:14.240
<v Speaker 1>off every month, but I use them a lot on purpose,

0:40:14.480 --> 0:40:16.000
<v Speaker 1>so I could pay them off every month because I'm like,

0:40:16.040 --> 0:40:17.880
<v Speaker 1>I don't use them a lot for random things, like

0:40:17.960 --> 0:40:19.680
<v Speaker 1>I use them for things I was going to pay,

0:40:19.880 --> 0:40:22.120
<v Speaker 1>like I'm gonna pay this bill anyway, put it on

0:40:22.200 --> 0:40:24.600
<v Speaker 1>a card, pay it off in full automatically, and then

0:40:24.640 --> 0:40:27.120
<v Speaker 1>why use the points to travel? And we went to

0:40:27.239 --> 0:40:29.239
<v Speaker 1>Jamaica for free. We've been Mexico for free and it

0:40:29.360 --> 0:40:32.759
<v Speaker 1>was awesome and so yeah, so used wisely. But I

0:40:32.840 --> 0:40:35.320
<v Speaker 1>know most people it's hard to use credit cards bizly

0:40:35.360 --> 0:40:37.279
<v Speaker 1>for a lot of people. So I do suggest the

0:40:37.320 --> 0:40:40.400
<v Speaker 1>folks who are not quite ready to manage it wisely

0:40:40.600 --> 0:40:43.919
<v Speaker 1>to really not use them until they're in a space

0:40:43.960 --> 0:40:45.520
<v Speaker 1>and a place where they can, you know. And I

0:40:45.560 --> 0:40:48.560
<v Speaker 1>could say, honestly, I'm I am. I hate to say

0:40:48.560 --> 0:40:52.080
<v Speaker 1>I'm financially free, because I could stop working now, but

0:40:52.160 --> 0:40:54.319
<v Speaker 1>it's not where I want to be. So I hear,

0:40:54.400 --> 0:40:56.640
<v Speaker 1>I'm an example of someone who's used credit cards, who's

0:40:56.680 --> 0:40:59.400
<v Speaker 1>messed up, who still uses credit cards. But and if

0:40:59.440 --> 0:41:02.760
<v Speaker 1>I didn't want work anymore, I could and still maintain

0:41:02.840 --> 0:41:04.800
<v Speaker 1>the lifestyle that I have now. But I just have

0:41:04.920 --> 0:41:06.320
<v Speaker 1>I have bigger goals of where I want to be.

0:41:06.440 --> 0:41:10.279
<v Speaker 1>But I'm technically financially free, and you know, credit cards

0:41:10.320 --> 0:41:11.640
<v Speaker 1>in my life, so it's possible to do.

0:41:11.719 --> 0:41:15.839
<v Speaker 2>Both financially free. Well, we were talking about fire last week,

0:41:15.840 --> 0:41:17.920
<v Speaker 2>and I feel like financial freedom means something different for

0:41:18.000 --> 0:41:21.000
<v Speaker 2>every single person you know. For you, For some people

0:41:21.040 --> 0:41:23.800
<v Speaker 2>that might mean give me an RV trailer and a

0:41:23.880 --> 0:41:27.239
<v Speaker 2>mountaintop and no expenses, and I got ten bucks to

0:41:27.280 --> 0:41:29.480
<v Speaker 2>my name, and I'm free. For some people that you know,

0:41:29.840 --> 0:41:32.239
<v Speaker 2>they might want a house paid off, or you know,

0:41:32.360 --> 0:41:34.560
<v Speaker 2>other things like you just have to make your own

0:41:34.760 --> 0:41:36.560
<v Speaker 2>such your own goals and then set your own ways

0:41:36.600 --> 0:41:42.120
<v Speaker 2>of getting there and make peace with yourself. So thank

0:41:42.160 --> 0:41:44.319
<v Speaker 2>you for your question. Hopefully you know we didn't piss

0:41:44.440 --> 0:41:49.520
<v Speaker 2>off any of Dave Ramsey fans or anti or pro abstinence.

0:41:51.360 --> 0:41:53.799
<v Speaker 1>By exactly. I mean, I know people like I don't

0:41:53.960 --> 0:41:54.080
<v Speaker 1>like it.

0:41:54.160 --> 0:41:58.000
<v Speaker 2>Look ichnical, time the babies to have sex.

0:41:58.320 --> 0:41:58.840
<v Speaker 1>Like, no, I'm not.

0:42:01.520 --> 0:42:04.120
<v Speaker 2>Thank y'all for your questions. Again, we're Brand Ambision Podcasts

0:42:04.160 --> 0:42:07.200
<v Speaker 2>on Instagram. Send us a d M with your questions.

0:42:07.239 --> 0:42:09.440
<v Speaker 2>Try to keep them concise and tight and to the

0:42:09.520 --> 0:42:12.600
<v Speaker 2>point makes my life easier. Or you can hit us

0:42:12.680 --> 0:42:16.400
<v Speaker 2>up on sorry an email at brand Ambisson podcast at

0:42:16.520 --> 0:42:17.279
<v Speaker 2>gmail dot com.

0:42:18.040 --> 0:42:23.320
<v Speaker 1>God, is it time for boosting a break? Get a

0:42:23.360 --> 0:42:28.279
<v Speaker 1>boost and a break, Get a booster to break true?

0:42:28.960 --> 0:42:31.799
<v Speaker 2>That whatever key that was, I liked, that's the.

0:42:31.840 --> 0:42:38.040
<v Speaker 1>Key of t Are you gonna boost? Are you gonna break?

0:42:38.520 --> 0:42:40.120
<v Speaker 2>I want to do a boost because I saw this.

0:42:40.280 --> 0:42:42.120
<v Speaker 2>It was like literally the day after we had our

0:42:42.160 --> 0:42:45.320
<v Speaker 2>talk last week about the fire movement and trying to

0:42:45.400 --> 0:42:48.160
<v Speaker 2>explain our takes on it, The New York Times posted

0:42:48.200 --> 0:42:51.640
<v Speaker 2>this article interviewing which I love. You know, I'm thinking, like, damn,

0:42:51.640 --> 0:42:53.800
<v Speaker 2>why did. I signed this story with my writers. But

0:42:54.880 --> 0:42:56.360
<v Speaker 2>one thing that I think we don't know if we

0:42:56.440 --> 0:42:59.040
<v Speaker 2>mentioned it straight up, but it was definitely been reading

0:42:59.040 --> 0:43:00.560
<v Speaker 2>between the lines of what I would saying is that

0:43:00.719 --> 0:43:02.239
<v Speaker 2>one of the things that drives me nuts about the

0:43:02.320 --> 0:43:04.360
<v Speaker 2>Fire movement is that's a lot of white dudes, like

0:43:04.520 --> 0:43:07.279
<v Speaker 2>wealthy white dudes or white dudes you have privileges who

0:43:07.680 --> 0:43:11.280
<v Speaker 2>are now financially free, and the movement can't isn't always

0:43:11.320 --> 0:43:13.800
<v Speaker 2>that accessible to people of color, women and whatnot. And

0:43:13.840 --> 0:43:15.759
<v Speaker 2>the New York Times that are really great article with

0:43:15.840 --> 0:43:18.879
<v Speaker 2>the headline for these women a fire that burns two

0:43:18.960 --> 0:43:22.480
<v Speaker 2>male and two white, and it interviews women of color

0:43:22.800 --> 0:43:25.040
<v Speaker 2>who are doing their own version of the Fire movement

0:43:25.080 --> 0:43:28.200
<v Speaker 2>and just kind of talk about like how the browness

0:43:28.480 --> 0:43:31.440
<v Speaker 2>of the Fire movement can make people feel left out.

0:43:32.520 --> 0:43:34.400
<v Speaker 2>And I thought that was a great story. So I'm

0:43:34.440 --> 0:43:36.719
<v Speaker 2>gonna link to that in our show notes. Check it

0:43:36.800 --> 0:43:39.279
<v Speaker 2>out and shout out to I think one of the

0:43:40.160 --> 0:43:43.399
<v Speaker 2>women who was interviewed runs the blog called or They're

0:43:43.480 --> 0:43:47.359
<v Speaker 2>at Instagram at rich and regular. I love that, Yeah,

0:43:47.960 --> 0:43:50.200
<v Speaker 2>so check them out and check out the story. And

0:43:50.400 --> 0:43:52.560
<v Speaker 2>it's just like, yeah, sister's a reminder that like, I

0:43:52.600 --> 0:43:54.920
<v Speaker 2>think there's room for the bros and every you know,

0:43:55.040 --> 0:43:57.360
<v Speaker 2>the rest of us to get into this movement together.

0:43:57.520 --> 0:44:00.880
<v Speaker 2>But it's just nice to have the spotlight on the

0:44:01.000 --> 0:44:03.320
<v Speaker 2>fact that not everyone's like I was just saying, not

0:44:03.440 --> 0:44:06.040
<v Speaker 2>everyone's version of financial freedom is the same. You know,

0:44:06.120 --> 0:44:09.240
<v Speaker 2>it can and certainly if you're a woman of color,

0:44:09.640 --> 0:44:12.560
<v Speaker 2>you know, two strikes against you. You're welcome and you've

0:44:12.640 --> 0:44:15.080
<v Speaker 2>got you've just got hurdles in front of you that

0:44:16.200 --> 0:44:19.000
<v Speaker 2>that some people don't have. I thought it was hilarious

0:44:19.040 --> 0:44:20.640
<v Speaker 2>how one of the people I forget who was who

0:44:20.680 --> 0:44:22.920
<v Speaker 2>it was who said this, but she was like, listen,

0:44:23.040 --> 0:44:24.800
<v Speaker 2>I need to factor in the cost to keep maintaining

0:44:24.840 --> 0:44:27.800
<v Speaker 2>my hair care, you know, into my future expenses. And

0:44:27.880 --> 0:44:30.320
<v Speaker 2>I was just thinking, yes, the product, I need a

0:44:30.360 --> 0:44:33.560
<v Speaker 2>product budget. So it's great, check it out.

0:44:35.560 --> 0:44:37.279
<v Speaker 1>I'm I'm gonna check it out. Actually I like that

0:44:37.360 --> 0:44:40.080
<v Speaker 1>because you're right, it does feel very like m so

0:44:40.320 --> 0:44:42.560
<v Speaker 1>I can't do that, so it should be modified, and

0:44:42.760 --> 0:44:44.920
<v Speaker 1>that's why it's important to have. It's so funny. I

0:44:45.040 --> 0:44:46.759
<v Speaker 1>was interviewed by this really big company. I don't want

0:44:46.760 --> 0:44:49.400
<v Speaker 1>to say it until I get the announcement, but I

0:44:49.480 --> 0:44:52.160
<v Speaker 1>was interviewed by this really popular, Like I guess it's

0:44:52.239 --> 0:44:55.359
<v Speaker 1>business magazine. We all know, and I think you behind

0:44:55.360 --> 0:44:58.759
<v Speaker 1>the scenes, manja. And so it was an Indian woman,

0:44:59.000 --> 0:45:03.160
<v Speaker 1>super dope. She was asking all these questions and about

0:45:03.239 --> 0:45:05.759
<v Speaker 1>like financial wellness and just I was just giving her

0:45:05.840 --> 0:45:08.080
<v Speaker 1>my two centas she was like afterwards, she was like, Tiffany,

0:45:08.200 --> 0:45:11.239
<v Speaker 1>this was such a fresh air because she's like, usually,

0:45:11.280 --> 0:45:13.359
<v Speaker 1>you know, whenever I have to interview somebody finance, there

0:45:13.840 --> 0:45:16.239
<v Speaker 1>it's a white guy. She said, would you consider writing

0:45:16.280 --> 0:45:19.879
<v Speaker 1>for the magazine? I'm like, are you kidding me? What? Yeah?

0:45:21.080 --> 0:45:24.439
<v Speaker 1>And so so yeah, so that might happen, So we'll see.

0:45:24.520 --> 0:45:27.279
<v Speaker 1>But I just thought that that was like, you know,

0:45:27.360 --> 0:45:30.080
<v Speaker 1>that was so crazy that she was like, even after

0:45:30.120 --> 0:45:34.279
<v Speaker 1>all this time, she still finds herself only interviewing you know,

0:45:34.440 --> 0:45:36.800
<v Speaker 1>white guys and her as a woman of color, is like,

0:45:36.880 --> 0:45:38.560
<v Speaker 1>I'm sick of it. There has to be some other,

0:45:38.600 --> 0:45:39.320
<v Speaker 1>no excuses.

0:45:39.360 --> 0:45:43.160
<v Speaker 2>There's so many diverse voices out there right now, you

0:45:43.239 --> 0:45:45.480
<v Speaker 2>get like, there's so many people of color and personal

0:45:45.560 --> 0:45:46.080
<v Speaker 2>finance that.

0:45:46.239 --> 0:45:47.879
<v Speaker 1>Well, I don't know if she's been assigned. I feel

0:45:47.880 --> 0:45:50.160
<v Speaker 1>like she was assigned to me, So I don't know how.

0:45:50.200 --> 0:45:52.040
<v Speaker 1>I don't know how her editor you know, like works

0:45:52.120 --> 0:45:54.680
<v Speaker 1>so okay, you know what I mean, because because she

0:45:54.719 --> 0:45:56.160
<v Speaker 1>was kind of like it was so nice. She was like,

0:45:56.320 --> 0:45:57.799
<v Speaker 1>I was so surprised when they said, this is who

0:45:57.840 --> 0:45:59.840
<v Speaker 1>you're interviewing, so I don't know, like what type of

0:46:00.000 --> 0:46:02.240
<v Speaker 1>stuff she normally writes, like and she just writes anything,

0:46:02.560 --> 0:46:04.160
<v Speaker 1>and they kind of just like we needed to be

0:46:04.280 --> 0:46:07.120
<v Speaker 1>this person. But yeah, so it was just really nice.

0:46:07.160 --> 0:46:09.160
<v Speaker 1>So I was like, okay, yeah, so you never know,

0:46:09.200 --> 0:46:11.520
<v Speaker 1>you might see my byline and a big old Maggie.

0:46:12.080 --> 0:46:14.279
<v Speaker 2>I was trying to tease us, well.

0:46:14.239 --> 0:46:15.839
<v Speaker 1>I don't want to say because this case she's like girl,

0:46:16.480 --> 0:46:18.800
<v Speaker 1>but EDER said no girl, and I'm like, oh okay,

0:46:20.440 --> 0:46:21.800
<v Speaker 1>so I want to come to I'll let you know,

0:46:22.920 --> 0:46:27.800
<v Speaker 1>but I want to boost because last night was so cute.

0:46:27.880 --> 0:46:31.480
<v Speaker 1>So I was in this documentary for Prudential just a

0:46:31.520 --> 0:46:34.600
<v Speaker 1>few minutes. But it's a dope documentary about Credential and

0:46:34.680 --> 0:46:39.600
<v Speaker 1>TV one. It's a dope documentary about women, especially Black women,

0:46:40.040 --> 0:46:43.239
<v Speaker 1>and financial wellness. So what does that look like for us?

0:46:43.320 --> 0:46:46.839
<v Speaker 1>It was about forty minutes. They had this NJ pack

0:46:46.960 --> 0:46:48.880
<v Speaker 1>is like a huge one of the most like it's

0:46:48.920 --> 0:46:53.000
<v Speaker 1>a really beautiful venue space it's located in Newark, so

0:46:53.120 --> 0:46:54.920
<v Speaker 1>they had it there and so but it was so

0:46:55.160 --> 0:46:57.480
<v Speaker 1>nice because they asked me if I wanted to honor

0:46:57.920 --> 0:47:00.400
<v Speaker 1>my parents because they really were talking about financial legacy

0:47:00.480 --> 0:47:02.880
<v Speaker 1>as well, and so it was so nice. So I

0:47:02.960 --> 0:47:05.880
<v Speaker 1>got to honor my parents and j pack stage. I mean,

0:47:05.920 --> 0:47:08.520
<v Speaker 1>I've seen Lauren Hill from on the stage and Aley

0:47:10.200 --> 0:47:12.920
<v Speaker 1>so many amazing people at stage, and then here I

0:47:13.080 --> 0:47:15.600
<v Speaker 1>was on the stage giving the speech about like how

0:47:15.680 --> 0:47:18.120
<v Speaker 1>my parents are so amazing and how because they taught me,

0:47:18.200 --> 0:47:19.879
<v Speaker 1>I've been able to teach hundreds of thousands of other

0:47:19.960 --> 0:47:22.560
<v Speaker 1>women like me. And then that is their legacy, well

0:47:22.600 --> 0:47:24.880
<v Speaker 1>one of their many legacies. And then to have my

0:47:24.960 --> 0:47:27.080
<v Speaker 1>mom get up on stage, you could I'm Sylvie wanted

0:47:27.080 --> 0:47:28.960
<v Speaker 1>to take that mike so badly, Mandy. I have to

0:47:29.000 --> 0:47:32.279
<v Speaker 1>look at her like don't. I had to block it

0:47:32.400 --> 0:47:34.880
<v Speaker 1>with a gentle block and like turn for pictures. I

0:47:35.000 --> 0:47:38.359
<v Speaker 1>was like no, man, My dad was so cute because me. Well,

0:47:38.360 --> 0:47:40.439
<v Speaker 1>I also told my dad like fifteen times you're gonna

0:47:40.440 --> 0:47:42.879
<v Speaker 1>come up on stage. He looked so shocked. He said,

0:47:43.320 --> 0:47:45.319
<v Speaker 1>I didn't know I'm gonna come on stage. I'm like, Daddy,

0:47:45.400 --> 0:47:48.839
<v Speaker 1>I told you, But it was just so cute. I'm

0:47:48.880 --> 0:47:51.759
<v Speaker 1>gonna post like the pictures later on my IG, so

0:47:52.080 --> 0:47:53.920
<v Speaker 1>take a look at them. But it was just, honestly,

0:47:54.040 --> 0:47:55.960
<v Speaker 1>it was just like I don't know, I just want

0:47:55.960 --> 0:47:58.400
<v Speaker 1>to do a boost for my parents because I'm not

0:47:58.400 --> 0:48:00.440
<v Speaker 1>gonna lie. I was not an easy kid raids. I

0:48:00.440 --> 0:48:02.080
<v Speaker 1>don't know if you could tell us a little wild.

0:48:03.760 --> 0:48:08.200
<v Speaker 1>And yeah, we butted heads for so long, even even

0:48:08.360 --> 0:48:10.319
<v Speaker 1>like when I got married, we buttoned heads because they

0:48:10.360 --> 0:48:13.759
<v Speaker 1>really wanted me to marry Nigerian and so when I

0:48:13.840 --> 0:48:17.240
<v Speaker 1>did it, so they were like eh and so. But now, honestly,

0:48:17.320 --> 0:48:20.320
<v Speaker 1>it's so crazy how good things are now because I

0:48:20.520 --> 0:48:26.160
<v Speaker 1>was never I was always a hair tiffany goes like

0:48:26.320 --> 0:48:28.399
<v Speaker 1>everybody else would be like I want Cerea, and I'd

0:48:28.440 --> 0:48:31.680
<v Speaker 1>be like, not even like food. I'd be like, well,

0:48:31.719 --> 0:48:38.440
<v Speaker 1>I want paint chips. I was so far left. They

0:48:38.480 --> 0:48:42.000
<v Speaker 1>were like tip banne, I mean police, like they do

0:48:42.280 --> 0:48:44.719
<v Speaker 1>something for us that's possible for us to like wrap

0:48:44.760 --> 0:48:48.120
<v Speaker 1>our head around. And so they worried so much, and

0:48:48.440 --> 0:48:50.279
<v Speaker 1>you know, like, of course now you know the budget says,

0:48:50.320 --> 0:48:51.480
<v Speaker 1>and you know before that it was like what are

0:48:51.520 --> 0:48:53.680
<v Speaker 1>you doing with your life? And now the Budgetessa is

0:48:53.719 --> 0:48:56.800
<v Speaker 1>doing well, and so I could just it's really changed

0:48:57.280 --> 0:49:01.400
<v Speaker 1>their perception of of like how life has to go,

0:49:01.600 --> 0:49:03.840
<v Speaker 1>because before it was like, you have to be a doctor, lawyer,

0:49:03.920 --> 0:49:07.239
<v Speaker 1>or a pharmacist, you know, or an engineer, and you

0:49:07.360 --> 0:49:09.359
<v Speaker 1>have to marry you know, he has to have at

0:49:09.440 --> 0:49:11.560
<v Speaker 1>least his masters, he has to be Nigeria. There were

0:49:11.560 --> 0:49:13.520
<v Speaker 1>all of these kind of rules that they had for

0:49:13.600 --> 0:49:16.799
<v Speaker 1>a successful life. And they're seeing that I'm making up

0:49:16.840 --> 0:49:20.400
<v Speaker 1>my own rules, and they're like, and yet Tiffany has

0:49:20.440 --> 0:49:24.640
<v Speaker 1>a successful life, Like not just what I love is that, yes,

0:49:24.680 --> 0:49:28.320
<v Speaker 1>they're acknowledging that my professional life is successful. But what

0:49:28.400 --> 0:49:30.759
<v Speaker 1>I really love more than anything is they're acknowledging that

0:49:30.880 --> 0:49:34.920
<v Speaker 1>my personal life is successful. Like the other day, for

0:49:35.200 --> 0:49:37.160
<v Speaker 1>a Memorial Day weekend, we went to my dad's house

0:49:37.239 --> 0:49:39.840
<v Speaker 1>and had like a little barbecue because my mom was

0:49:39.920 --> 0:49:43.880
<v Speaker 1>away taking care of my new niece in Chicago, and

0:49:44.000 --> 0:49:45.960
<v Speaker 1>so my husband was like, we should go to your

0:49:46.000 --> 0:49:47.560
<v Speaker 1>dad's house and have a barbecue so we could spend

0:49:47.600 --> 0:49:50.120
<v Speaker 1>the day with him and bring the kids. Because my

0:49:50.200 --> 0:49:52.719
<v Speaker 1>sister Carol has two kids, Rowman and Amelia. They're like

0:49:53.080 --> 0:49:55.600
<v Speaker 1>two and three, and they're like such a delight and

0:49:55.880 --> 0:49:57.840
<v Speaker 1>so we all went and we had such a good time,

0:49:58.440 --> 0:50:01.200
<v Speaker 1>and my dad was calling my sister to thank her,

0:50:01.760 --> 0:50:03.279
<v Speaker 1>to say thank you so much for coming and for

0:50:03.640 --> 0:50:06.080
<v Speaker 1>planning it, because Tracey's the planner. And she was like, no,

0:50:06.320 --> 0:50:08.400
<v Speaker 1>that was superman. That was to his husband, and he

0:50:08.600 --> 0:50:10.319
<v Speaker 1>was she said, he was silent on the other line

0:50:10.360 --> 0:50:11.520
<v Speaker 1>because he gave him a hard way to go. We

0:50:11.600 --> 0:50:14.839
<v Speaker 1>were getting married, and like my dad called me later,

0:50:14.920 --> 0:50:18.160
<v Speaker 1>he was like, Tiffany, and you chose the perfect man

0:50:18.239 --> 0:50:20.800
<v Speaker 1>for you. Like he just was just like, you know,

0:50:21.000 --> 0:50:23.640
<v Speaker 1>I know that I didn't always see it, but you

0:50:23.719 --> 0:50:27.439
<v Speaker 1>were right. He is awesome. He is kind, He loves

0:50:27.440 --> 0:50:30.000
<v Speaker 1>you so much, so much respect for you, and you

0:50:30.080 --> 0:50:31.839
<v Speaker 1>feel me. He was like, you know, you don't get

0:50:31.960 --> 0:50:34.560
<v Speaker 1>relationships from people have that level of respect for you.

0:50:34.640 --> 0:50:36.640
<v Speaker 1>Because they were like talking when we were at the house,

0:50:36.760 --> 0:50:39.440
<v Speaker 1>like between themselves, and he was like the way he

0:50:39.520 --> 0:50:41.560
<v Speaker 1>speaks about you, He was like, you are I don't

0:50:41.560 --> 0:50:43.080
<v Speaker 1>even know if you realize how fortunate you are. And

0:50:43.120 --> 0:50:45.120
<v Speaker 1>it just meant the world to me that, like, if

0:50:45.120 --> 0:50:47.600
<v Speaker 1>you're having a hard time with your parents, hopefully it

0:50:47.680 --> 0:50:49.759
<v Speaker 1>will all work out. I mean I'm thirty nine now,

0:50:49.840 --> 0:50:52.400
<v Speaker 1>it's like literally just working out, so you might have

0:50:52.520 --> 0:50:55.759
<v Speaker 1>thirty eight years to go, but but I don't know.

0:50:55.840 --> 0:50:57.160
<v Speaker 1>I just wanted to give a boost to that that

0:50:57.320 --> 0:51:00.000
<v Speaker 1>like for like my parents and for like our relationship

0:51:00.040 --> 0:51:03.120
<v Speaker 1>ship like changing and growing, and because honestly, like I

0:51:03.239 --> 0:51:05.640
<v Speaker 1>like I said, truly, up until maybe like a year ago,

0:51:05.800 --> 0:51:08.400
<v Speaker 1>it was always slightly contentious. I always loved them obviously,

0:51:08.480 --> 0:51:10.640
<v Speaker 1>but so it's just nice to be on the other

0:51:10.760 --> 0:51:13.560
<v Speaker 1>side of like that. I too want cereal and not

0:51:13.680 --> 0:51:15.120
<v Speaker 1>paint chicks, you know.

0:51:16.640 --> 0:51:18.200
<v Speaker 2>Well they I mean, I think that's just a sign

0:51:18.280 --> 0:51:20.640
<v Speaker 2>that you were strong willed and going to do things

0:51:20.719 --> 0:51:24.320
<v Speaker 2>your own way no matter what, which is beautiful.

0:51:24.400 --> 0:51:24.560
<v Speaker 1>Yeah.

0:51:24.560 --> 0:51:27.240
<v Speaker 2>I remember, like even before you when Superman you got engaged,

0:51:27.280 --> 0:51:29.400
<v Speaker 2>like you were talking about the tension like sometimes with

0:51:29.480 --> 0:51:32.200
<v Speaker 2>your family, you know, being accepting of him. So it's

0:51:32.200 --> 0:51:34.680
<v Speaker 2>so nice to hear that things are you know, people

0:51:34.760 --> 0:51:38.160
<v Speaker 2>do evolve, do I think all the time. You know,

0:51:38.239 --> 0:51:40.719
<v Speaker 2>when I was fifteen, my sister came out and my

0:51:40.920 --> 0:51:43.640
<v Speaker 2>family was terrible. Like I look back on it and

0:51:43.719 --> 0:51:46.319
<v Speaker 2>I'm like, were we those people? Yeah, they were all

0:51:46.360 --> 0:51:50.680
<v Speaker 2>homophobic and like my sister, yeah, she came out.

0:51:51.040 --> 0:51:52.840
<v Speaker 1>I thought you met like when your mother had her like.

0:51:57.320 --> 0:51:59.080
<v Speaker 2>Yeah. She came out with a rainbow flag and they

0:51:59.120 --> 0:52:03.120
<v Speaker 2>were like, no, no, she came out on my junior

0:52:03.160 --> 0:52:05.000
<v Speaker 2>prom day and I remember I hated her because she

0:52:05.120 --> 0:52:08.480
<v Speaker 2>was stealing my attention and uh yeah, and we just

0:52:08.680 --> 0:52:11.120
<v Speaker 2>like and ten years later from the day she came out,

0:52:11.160 --> 0:52:12.759
<v Speaker 2>we were at her not to the day, but to

0:52:12.880 --> 0:52:15.560
<v Speaker 2>the year. We were at her wedding, just like partying

0:52:15.600 --> 0:52:17.440
<v Speaker 2>it up. And when I gave when I gave my speech,

0:52:17.480 --> 0:52:20.000
<v Speaker 2>I was like, do you guys realize how far we've come.

0:52:21.200 --> 0:52:25.160
<v Speaker 2>You just have to you know, with time and perspective. Family,

0:52:25.600 --> 0:52:27.160
<v Speaker 2>you know, we get it together in the end.

0:52:27.120 --> 0:52:29.880
<v Speaker 1>But well most people, you hope so, and sometimes you

0:52:30.000 --> 0:52:31.800
<v Speaker 1>just got to give people the space to get it together.

0:52:32.160 --> 0:52:32.359
<v Speaker 2>Yes.

0:52:32.719 --> 0:52:34.440
<v Speaker 1>No, it's easy to just be like, you know, I'm

0:52:34.480 --> 0:52:35.919
<v Speaker 1>just going to walk away and lead them like whatever,

0:52:36.000 --> 0:52:38.319
<v Speaker 1>I'll start a new life. And you can. But at

0:52:38.320 --> 0:52:39.960
<v Speaker 1>the end of the day, you know, I mean, ideally

0:52:40.000 --> 0:52:43.320
<v Speaker 1>you want your family. So yeah, so little just a

0:52:43.360 --> 0:52:44.719
<v Speaker 1>little something sweet to head off.

0:52:45.640 --> 0:52:50.600
<v Speaker 2>That's beautiful, Well congratulations, thank yeah, what a beautiful gift

0:52:50.640 --> 0:52:51.960
<v Speaker 2>for them for Mothers and Father's Day.

0:52:52.520 --> 0:52:54.520
<v Speaker 1>I know. Actually it was like sidebar. It was really

0:52:54.560 --> 0:52:56.960
<v Speaker 1>supposed to be for Father's Day. My mother was like, no,

0:52:57.120 --> 0:52:58.560
<v Speaker 1>you have two parents, I'll be on that stage.

0:52:58.560 --> 0:53:02.680
<v Speaker 2>I was say, okay, ma'am, hey listen to her though, because.

0:53:02.480 --> 0:53:04.640
<v Speaker 1>You know I did. I didn't want any problems.

0:53:04.800 --> 0:53:10.400
<v Speaker 2>She's like, let me take my credit. Yep, beautiful, awesome. Well,

0:53:10.400 --> 0:53:12.600
<v Speaker 2>speaking of Father's Day, here's your warning. Father's Day is

0:53:12.600 --> 0:53:13.680
<v Speaker 2>this weekend right coming up.

0:53:14.200 --> 0:53:15.479
<v Speaker 1>I didn't get hit. What are you getting?

0:53:15.880 --> 0:53:18.600
<v Speaker 2>I don't know. My dad usually texts us with an

0:53:18.600 --> 0:53:21.200
<v Speaker 2>Amazon link to what he wants and then we hook

0:53:21.280 --> 0:53:23.560
<v Speaker 2>him up. That's it's usually like a boat accessory.

0:53:24.080 --> 0:53:25.800
<v Speaker 1>Mean we look, I'm talking about husband. I'm like, I forgot.

0:53:25.880 --> 0:53:28.040
<v Speaker 1>I'm like, wait, where's the baby? I was like, I

0:53:28.200 --> 0:53:29.560
<v Speaker 1>was like, what are you gonna get? But I forgot

0:53:29.600 --> 0:53:31.120
<v Speaker 1>that you don't have kids just yet.

0:53:31.960 --> 0:53:34.120
<v Speaker 2>Yeah, you know, get my I don't know. My dad

0:53:34.200 --> 0:53:37.360
<v Speaker 2>likes My dad still loves a Visa gift card, so

0:53:37.800 --> 0:53:40.000
<v Speaker 2>he's he's an easy, easy man to please.

0:53:41.440 --> 0:53:43.400
<v Speaker 1>To get superman, I'm like, oh, I didn't even think

0:53:43.440 --> 0:53:45.960
<v Speaker 1>about it. He's like really sentimental. So one time I

0:53:46.000 --> 0:53:47.719
<v Speaker 1>didn't get him anything. So I'm like, because he said,

0:53:47.760 --> 0:53:51.239
<v Speaker 1>I don't give me anything, so I did it. Oh, Mandy.

0:53:51.280 --> 0:53:54.840
<v Speaker 1>When I tell you I never ordered a like a

0:53:55.040 --> 0:53:56.960
<v Speaker 1>cause you know, he like a man cave is coming along,

0:53:57.000 --> 0:53:59.600
<v Speaker 1>so I ordered like like that day, I ran upstairs

0:53:59.640 --> 0:54:01.840
<v Speaker 1>and ordered one of those like really nice like fridges

0:54:01.920 --> 0:54:04.880
<v Speaker 1>for like man cake fridges. I remember, yeah, what And

0:54:04.960 --> 0:54:06.920
<v Speaker 1>I was like because he was like so the next

0:54:07.040 --> 0:54:08.600
<v Speaker 1>because I didn't know really until the next day and

0:54:08.640 --> 0:54:09.879
<v Speaker 1>he was in his feelings, he was like, I really

0:54:09.880 --> 0:54:12.000
<v Speaker 1>can't believe din't give anything. I was like, what, rob

0:54:12.120 --> 0:54:13.640
<v Speaker 1>was that you didn't get I'll say, yes, I did,

0:54:14.120 --> 0:54:15.560
<v Speaker 1>it didn't it didn't come yet. Look at you. You

0:54:15.560 --> 0:54:17.520
<v Speaker 1>know I was gonna get you something what I paid

0:54:17.600 --> 0:54:20.359
<v Speaker 1>for like save days. I'm like, whatever, put an extra,

0:54:20.680 --> 0:54:23.080
<v Speaker 1>don't care. And when it came, he was so happy.

0:54:23.120 --> 0:54:28.120
<v Speaker 1>That thing cost me so much money. But I told myself,

0:54:28.120 --> 0:54:30.319
<v Speaker 1>I will never do that again. That whole I don't

0:54:30.360 --> 0:54:34.360
<v Speaker 1>need anything is a lie. So yeah, I have to

0:54:34.400 --> 0:54:36.279
<v Speaker 1>get him something. And I'm like, yanks, what I gonna get.

0:54:36.239 --> 0:54:39.520
<v Speaker 2>Him, wife, husband, whatever? It's a lie always gets something.

0:54:39.520 --> 0:54:42.160
<v Speaker 2>You can never hurt anything by giving your significant other

0:54:42.200 --> 0:54:44.880
<v Speaker 2>a gift. It's never gonna hurt. It can only hurt

0:54:44.920 --> 0:54:45.480
<v Speaker 2>you if you don't.

0:54:46.000 --> 0:54:48.200
<v Speaker 1>Yeah, s woolshot. I was like whoa. He was like,

0:54:48.320 --> 0:54:49.000
<v Speaker 1>oh you did.

0:54:49.120 --> 0:54:53.280
<v Speaker 2>I was like yes, wiping down the beat of sweat

0:54:54.000 --> 0:54:56.759
<v Speaker 2>from your bro. All right, well, you guys have been worn.

0:54:56.840 --> 0:54:59.920
<v Speaker 2>You got a few days Amazon Prime, two days shipping.

0:55:00.680 --> 0:55:03.080
<v Speaker 2>You can think it happened. Happy Father's Day into any

0:55:03.120 --> 0:55:06.200
<v Speaker 2>papas who are listening to the podcast, Happy Father's Stay

0:55:06.280 --> 0:55:11.560
<v Speaker 2>to you. Yes, all right, that's the show until.

0:55:11.400 --> 0:55:15.000
<v Speaker 1>Next week, until next week. I did you do?

0:55:15.480 --> 0:55:15.759
<v Speaker 2>I to