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Speaker 1: Hey, hey, ba fan, please follow us on Apple Podcasts

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Speaker 1: following our show Loop Loop. You can also follow us

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Speaker 1: on Spotify, on Stitcher, or on the Amazon Music app.

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Speaker 1: You would not do all that, you know, if you

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Speaker 1: had to Android, but you know Apple, that's fine, It's fine.

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Speaker 1: And now onto our show. Hey, hey, hey, we're back.

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Speaker 1: We're black, We're bred. Welcome black Man.

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Speaker 2: Traw Hey, happy Brandon Ambition Wednesday.

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Speaker 1: Hey how are yeah?

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Speaker 2: Oh you know, maskless and feeling fancy free. I'm just kidding,

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Speaker 2: never taking noopopop up up up up nupe. I actually

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Speaker 2: turned back around and forgot a mask today. I was

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Speaker 2: going to Target. And I don't really understand the new

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Speaker 2: CDC guidelines. Even though they say that if you're vaccinated

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Speaker 2: you don't need to wear masks indoors anymore, I'm still

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Speaker 2: afraid that a business is like gonna kick me out

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Speaker 2: for not having one. It's all very We're in this

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Speaker 2: weird kind of transitional period. I think where the lines

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Speaker 2: are just kind of blurry, and but honestly, for my

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Speaker 2: own safety, I know people are out there being nasty

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Speaker 2: and like, how do you know if someone's vaccinated or not.

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Speaker 2: I'm not going to ask, so I will be masking

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Speaker 2: up until the end of the world. I don't know

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Speaker 2: how do we go back now?

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Speaker 1: I know, I don't even know that we can. I

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Speaker 1: don't even know honestly. I mean, I got my first shot,

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Speaker 1: and I get my second one in a couple of weeks.

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Speaker 1: And even still, I did it because I was just like,

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Speaker 1: you know, I see my parents more and more and

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Speaker 1: my dad is almost eighty. I'm just like, you know what,

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Speaker 1: I just get nervous, you know.

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Speaker 2: So yeah, I will say to our listeners if you're

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Speaker 2: if you're wondering whether or not you should get the vaccine.

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Speaker 2: Even still, I was talking to a friend of mine

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Speaker 2: and I was I was really surprised that she said

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Speaker 2: that she wasn't going to get vaccinated and she's not

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Speaker 2: even she's like, you know, late thirties, and she said,

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Speaker 2: I'm just going to see if y'all, you know, end

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Speaker 2: up growing.

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Speaker 1: Tech literally what Superman said, because he's not getting vaccined.

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Speaker 1: He's like, yeah, he said, what if we turn into zombies?

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Speaker 1: What if they flip the switch we all become zombies.

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Speaker 1: I said, well we'll be in zombie love.

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Speaker 2: Oh man.

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Speaker 1: Yeah.

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Speaker 2: I mean it's definitely a personal choice. It's you know,

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Speaker 2: it's a personal choice. But I do feel like I

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Speaker 2: get really nervous about the future of I mean, my

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Speaker 2: existential crisis is like if we don't like just get

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Speaker 2: a vaccination for each other and put on a damn

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Speaker 2: mask for each other, like we it's not love thy

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Speaker 2: neighbor up in this country sometimes, like it's not even

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Speaker 2: about sometimes your personal comfort level. It's just kind of

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Speaker 2: putting other people before you. Not that I don't think

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Speaker 2: people who don't get vaccinated are all doing it for

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Speaker 2: selfish reasons, but it's almost like I want to talk

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Speaker 2: to a lot a lot of people and just hear,

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Speaker 2: you know, why aren't you getting vaccinated? What is it

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Speaker 2: about it?

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Speaker 1: Maybe I'm just to herd like I get it because

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Speaker 1: people are like, well, how do I know what's in it?

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Speaker 1: How do I know I'm gonna be okay? That's like

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Speaker 1: I know Superman's biggest worry and so like, yeah, so

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Speaker 1: I can understand. I guess I think what will happen

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Speaker 1: is as more people get vaccinated and you know, there's

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Speaker 1: not whatever scary ramification, then people will be like, Okay,

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Speaker 1: let me go ahead and do.

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Speaker 2: That, you know, yeah, just waiting for more time to

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Speaker 2: go buy. I do think for myself it was such

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Speaker 2: an easy of course, Like I was just desperate for

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Speaker 2: the for the end of this insanity, just for a

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Speaker 2: silver lining. And I have been there is this like

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Speaker 2: a little bit of euphoria, you know. I took I

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Speaker 2: took Rio to the grocery store for the first time

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Speaker 2: in his life a couple of weeks ago, and just

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Speaker 2: that sense of normalcy. It's it was I love going

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Speaker 2: to the store with him now. We never really got

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Speaker 2: to do that. He's such a quarantine baby. Or the

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Speaker 2: playground or we went to the zoo and he touched

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Speaker 2: stuff and like I wasn't you know, it makes me

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Speaker 2: I'm loving this new I guess, this new New Year,

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Speaker 2: it feels like but for babies. Yeah, it's that's going

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Speaker 2: to be the part where I start to really really

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Speaker 2: really really read the science, you know, around how the

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Speaker 2: littles are are reacting to it. But at the very

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Speaker 2: least masking up until further notice. But yeah, shouts out

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Speaker 2: to the CDC. But my trust level for Americans is

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Speaker 2: not quite there right now, America, America. What else is

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Speaker 2: going on?

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Speaker 1: So I feel like such a grown up, so well

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Speaker 1: grown up in business. So I am like so many businesses,

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Speaker 1: you know, you have like contractors forever and ever and ever.

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Speaker 1: So recently I've been wanting to do this, but it's

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Speaker 1: expensive to switch people from contractor to employees. So now

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Speaker 1: we officially have seventeen employees, fifteen of which are wait

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Speaker 1: fifteen twelve of which are full time, and five are

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Speaker 1: which are part time. And so the difference between like

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Speaker 1: you know, contractor employee employee, you know, you know they

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Speaker 1: you know, you work a set hour, set of hours.

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Speaker 1: You there's a certain set of parameters. But if you're

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Speaker 1: a contractor, basically you get hired for a project and

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Speaker 1: you get it done whenever you get it done. But

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Speaker 1: we're not your only client that you don't live and

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Speaker 1: die by us, you know. But so many businesses when

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Speaker 1: they start, they can't afford to have employees because with

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Speaker 1: employee you have to pay like payroll tax, you have

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Speaker 1: to provide some sort of like you know some you know,

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Speaker 1: some kind of insurance. There's all these expenses that make

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Speaker 1: like if I'm going to pay you as an employee,

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Speaker 1: say like one hundred thousand dollars, it could be like

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Speaker 1: an addition a few tens of thousand of dollars to

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Speaker 1: also pay for additional things on top of what it

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Speaker 1: costs to have you as an employee for your pay.

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Speaker 1: So as a result, so many people have a hard

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Speaker 1: time getting actual employees. Yeah, but I'm just really proc

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Speaker 1: because I'm like done to Dada. It's been something we've

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Speaker 1: been working on for a long time, and I was like,

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Speaker 1: we have employees, not just that, but because one of

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Speaker 1: our we really want to thank the employees that are here,

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Speaker 1: so you know, the ones that are here, Like if

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Speaker 1: you if you come brand new, like next year, it's different.

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Speaker 1: But for the ones you know that have been that

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Speaker 1: are currently employees and make the switch over, we're paying

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Speaker 1: one hundred percent for their health insurance, dental, medical, as

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Speaker 1: well as vision. And everyone has a four win K

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Speaker 1: and we have a matching program. So I well, I

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Speaker 1: don't know how much it is. So this is how

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Speaker 1: the matching program.

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Speaker 2: Works for us.

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Speaker 1: Okay, It's like what happens because we used to do

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Speaker 1: bonuses at the end of the year. So basically we

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Speaker 1: kind of see like what happens at the end of

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Speaker 1: the year profit loss, Like we made this much, we

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Speaker 1: spent this much. Hey, there's money left over. So with

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Speaker 1: that money left over, that's what we're going to put

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Speaker 1: into the match, Like, you know, we've got enough to

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Speaker 1: match you at three percent, great enough to match you

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Speaker 1: with you know, ten percent whatever that looks like, we're

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Speaker 1: gonna use that kind of like instead of doing bonuses,

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Speaker 1: we'll do matches.

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Speaker 2: Yeah, so you're not going to need HR and we

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Speaker 2: do and we.

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Speaker 1: Have an HR eight. Can you imagine like what Yeah,

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Speaker 1: shout out to daphneed girl. Yes, honestly, Mandy, I feel

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Speaker 1: the twenty twenty was both a great and hard year

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Speaker 1: for business because although we were kind of like growing,

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Speaker 1: we were also like there are pieces of the business

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Speaker 1: that were crumbling because you cannot operate the same way

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Speaker 1: as you grow in business, and so we were trying

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Speaker 1: to hold on and it was like, no, girl, you

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Speaker 1: have to like, you're the reason why it's crumbling is

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Speaker 1: because you're outgrowing this way of doing business. You have

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Speaker 1: to switch over to official employees. You have to have

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Speaker 1: benefits you have to have for you know, like retirement plans,

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Speaker 1: you have to you know, you have to have hr

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Speaker 1: you have so like literally twenty twenty twenty and twenty

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Speaker 1: twenty one, that's what we've been really working on. We

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Speaker 1: have slowed down like our growth as far as like

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Speaker 1: income growth, and focused the majority of our energy to

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Speaker 1: foundational growth, which has been awesome because now we've got

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Speaker 1: this strong foundation. Like we had to redo the way

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Speaker 1: we did our taxes and read. There was just so

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Speaker 1: many foundational things that we were kind of like, oh,

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Speaker 1: we'll do it later, we'll do later, and it's like

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Speaker 1: no later, it is now. And now we are like

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Speaker 1: so strong as a result, like we're like a company

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Speaker 1: company even though you know we've been here for some time.

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Speaker 1: When you'd be I promise you you'd be surprised how

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Speaker 1: many of your you know, fave small business owners are

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Speaker 1: like yeah, one day girl employees. Because it's hard, you know.

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Speaker 2: It's not cheap worse yeah, and you know, not cheap.

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Speaker 1: Like I'll say, like for example, just for it, just

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Speaker 1: for the plan that we chose for it costs us

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Speaker 1: almost like oh maybe a little under two hundred thousand

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Speaker 1: dollars for my health insurance package. Think about that right

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Speaker 1: for the company, for like my employees, and then think

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Speaker 1: about like we're not even including payroll tax. We're not

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Speaker 1: even including you see what I mean. Like it's just

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Speaker 1: really expensive and so it's just not something that's easily done.

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Speaker 1: So the fact that it's done, and it's done in

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Speaker 1: a way that because we've been saving for it, like

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Speaker 1: this is something I'm like, oh, this is what I'm wanting.

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Speaker 1: So we save like almost double what we needed so

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Speaker 1: we could be like really secure. I just felt really

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Speaker 1: proud of like how hard the team work you've been

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Speaker 1: having like hr meetings, Like it's just been in just

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Speaker 1: to say, hey, for those of you who are here now,

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Speaker 1: as a thank you for putting in so much work

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Speaker 1: to build this business alongside of me. Like all of

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Speaker 1: your health insurance you don't have to come out of pocket,

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Speaker 1: like the company takes care of them for you. It's

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Speaker 1: not going to reduce because that was one of the worries.

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Speaker 1: It's like, eh, you know, because when you're a contractor,

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Speaker 1: you get all your money. If you make a hundred thousand,

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Speaker 1: you get a hundred thousand, then pay your own taxes,

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Speaker 1: but here you know your money is going to be

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Speaker 1: reduced because the government takes your taxes out of your paycheck.

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Speaker 1: And I didn't want to also take your insurance out

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Speaker 1: of your paycheck as well, So I'm like, no, we

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Speaker 1: will cover that, you know. So it just feels really

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Speaker 1: good to be like like like yeah, our staff is

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Speaker 1: just like wait what, So it just feels it feels awesome.

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Speaker 1: I feel like a big girl in business.

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Speaker 2: I'm so proud of you. I know that. I know

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Speaker 2: that office spaces are just have gone the way of

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Speaker 2: the Dodo bird these days. But I mean as the

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Speaker 2: budget needs to office ever in the future, No, for real.

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Speaker 1: Because honestly, I at what I love is because we're

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Speaker 1: all digital. The transition to like digital was like, I

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Speaker 1: won't say easy, because there are so many of the

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Speaker 1: people on our staff are women, so and many of

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Speaker 1: the women have kids at home, so that part was

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Speaker 1: definitely challenging. But as far as like, you know, people

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Speaker 1: are like, well, how do you get people motivated when

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Speaker 1: they're not in the office. Well, we've been doing that

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Speaker 1: for the I mean we've never had office so we

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Speaker 1: figured out that energy and that vibe and how to

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Speaker 1: trust people and I don't sweat people. And I'm like, girl,

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Speaker 1: it's okay for you to take the meeting at the park.

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Speaker 1: Why are you pushing the baby on the swing? You

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Speaker 1: can hear me, I can hear you.

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Speaker 2: Right, okay girl?

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Speaker 1: Yeah?

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Speaker 2: Did you see that quote from that we work ceo?

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Speaker 2: It was in the journal. I don't know when it

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Speaker 2: was last week or some I don't know. My blood

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Speaker 2: my blood was boiling, he was quoted in the journal.

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Speaker 2: I don't have it right in front of me, but

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Speaker 2: I'll track it down. He was quoted in the journalist saying,

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Speaker 2: if you really want to see who your most dedicated

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Speaker 2: employees are, see who's eager to come back to the office.

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Speaker 1: There has nothing to do anything right.

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Speaker 2: And I mean the reason why blood was boiling is

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Speaker 2: because in one sentence, one sentence, this man just proved

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Speaker 2: why women it's just never gonna if what we're striving

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Speaker 2: for is to succeed in this world, the world where

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Speaker 2: people like that become CEO, and let's not you know,

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Speaker 2: let's not lie. Pretend like the majority of CEOs and

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Speaker 2: in executive level positions are held by men, and especially

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Speaker 2: white men. How are we supposed to exist in a

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Speaker 2: role where that is how they think of it. Your

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Speaker 2: dedication is who's willing to schlep to the office. That's

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Speaker 2: how dedicated. And it makes it seem like people who

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Speaker 2: work from home for reasons such as work life balance

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Speaker 2: to just have some semblance of sanity, you know, to

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Speaker 2: not be sitting in a car or on a train

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Speaker 2: commuting to and from work, you know, to be doing

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Speaker 2: it so that they can spend more time with their family,

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Speaker 2: or for whatever reason, just because it makes them more productive.

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Speaker 2: Even it just pissed me off because he is completely

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Speaker 2: proof positive that there's still that line of thinking out there,

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Speaker 2: no matter how much some companies want to say that

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Speaker 2: they support working moms and working parents and blah blah blah,

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Speaker 2: it was clear that it was maybe for a season

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Speaker 2: for a lot of people, and for people who who

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Speaker 2: don't want to go back to work. Are you going

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Speaker 2: to be like, is there going to be unconscious biased

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Speaker 2: against you. Are people going to be thinking that, oh,

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Speaker 2: you're just not as dedicated, Because that, to me is

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Speaker 2: a load of bullshit. And as someone who used to

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Speaker 2: be a complete I liked going to the office. I

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Speaker 2: like taking my little cup, I like to get my

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Speaker 2: latte at my favorite coffee shop and going for walks

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Speaker 2: and shooting the breeze with my coworkers. All that I

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Speaker 2: thought I was more productive at work. I love working

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Speaker 2: from home now. And I was just on the phone

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Speaker 2: the other day with someone and they were like, do

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Speaker 2: you think you'll ever work in an office again? And

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Speaker 2: I'm just like, I don't. It doesn't appeal to me

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Speaker 2: in any way. And I don't think that it says

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Speaker 2: anything about someone's dedication or their talent or their worthiness

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Speaker 2: if they don't want to go back to an office.

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Speaker 2: It was completely acidine.

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Speaker 1: It doesn't. And honestly, that is the way of Like,

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Speaker 1: here's the thing. What's so awesome is you get to

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Speaker 1: see people destroy their own industry and companies they're in.

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Speaker 1: I'm like, keep talking like the idiot that you are, Like, honestly,

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Speaker 1: we work. I'm sorry, I don't.

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Speaker 2: We've all I mean, but let's se they're a real

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Speaker 2: estate company at the end of the day, so of

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Speaker 2: course they want offices to be reopened. So think about

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Speaker 2: when people are saying those things exactly exactly.

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Speaker 1: But I will say this that like that has nothing.

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Speaker 1: I mean, I have some of the most dedicated, like caring.

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Speaker 1: Like what I really love about, like, you know, working

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Speaker 1: with the people that I work with, is that you

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Speaker 1: can reach out for beyond like what you're going through

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Speaker 1: is over example, like Tracy, the publicist on my team,

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Speaker 1: she was like, wait, something something about taxes. I was like,

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Speaker 1: I don't know, girl, But about her own business, I said,

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Speaker 1: ask Chanta Shaanton's our CFO. She as chanton chantons like,

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Speaker 1: oh no, no, just do it like this. Sonta was like, well,

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Speaker 1: I have to ask Latrise something about which Latrise does

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Speaker 1: all of our like all of our email communications. Like

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Speaker 1: she's my tech like manager, and so when you're trying

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Speaker 1: to figure out like what tech system to use, you

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Speaker 1: ask Latrese. And even though so Shanta was asking about

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Speaker 1: her personal business, you know, but what I love is

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Speaker 1: that I encourage folks to work on their own dreams

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Speaker 1: and even help by promoting on our platforms, but also

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Speaker 1: too to figure out what works best for you. I

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Speaker 1: can't tell you to how many times I've taken a

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Speaker 1: meeting on a walk, because I know I'll look to say, okay,

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Speaker 1: this is out. One of those meetings will have to

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Speaker 1: be in front of my computer, or maybe there is

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Speaker 1: something that someone's gonna want to send show me really quickly.

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Speaker 1: But girl, that's what smartphones are for. I can take

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Speaker 1: a look, you know, because I need There's no time

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Speaker 1: for me to take a walk today and this is

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Speaker 1: the only time. And everyone knows that, like, you have

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Speaker 1: the space and the freedom to navigate. My my expectation

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Speaker 1: is that you're going to deliver whatever excellence like excellence,

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Speaker 1: but however you want to deliver it. And I just

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Speaker 1: think that more and more of these companies are going

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Speaker 1: to lose out to companies that know how to navigate.

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Speaker 1: I was just literally telling two people on my team

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Speaker 1: today my business the Budgetissa time, I'm really I'm wanting

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Speaker 1: to use it as like a social experiment. So I've

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Speaker 1: got my literature academy and my online school that business

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Speaker 1: like mixed the most. And then I'm shutting down my

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Speaker 1: marketing company because I'm just like, oh girl, we don't

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Speaker 1: need it, and I really focusing on the budget, Nista.

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Speaker 1: But this social experiment is this instead of saying what

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Speaker 1: can the business make, we're asking team members, what do

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Speaker 1: you want to make? Let's come to a con census,

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Speaker 1: like like C suite, Let's just say c Sweet says

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Speaker 1: we want to make two fifty okay, manager lever you

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Speaker 1: want to make one fifty okay? Or direct your level

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Speaker 1: one fifty, manager level one hundred thousand, okay. Like figuring

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Speaker 1: out what that is.

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Speaker 2: And so you're talking about salary, like what do you.

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Speaker 1: Actually want to make, right, and then saying how much

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Speaker 1: does the company have to make to hit that number

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Speaker 1: so we can pay and still like save and all

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Speaker 1: the other things we do, Like let's just say it's

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Speaker 1: ten million dollars, okay, Well, if we make ten million

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Speaker 1: dollars by June or July, then we can literally do

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Speaker 1: next to nothing for the rest of the year. That's

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Speaker 1: my aim is to figure out what the not to overwork,

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Speaker 1: but to figure out what is it that we're wanting

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Speaker 1: to make collectively, figure out how much that is put

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Speaker 1: in the work, and then like not that there will

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Speaker 1: be no work, but maybe we use the rest of

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Speaker 1: the year to experiment on new products that we can

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Speaker 1: kind of lollygag on, you know, knowing that you could

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Speaker 1: take more time off you can work on your own business,

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Speaker 1: Like why why not? Why couldn't it be like that, Yes,

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Speaker 1: we can make twenty million and sleep less, or we

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Speaker 1: can make ten and make the amount that we've decided.

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Speaker 1: So that's one of the experiments that like we're putting

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Speaker 1: into action for next year to really figure out what

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Speaker 1: is it that we're wanting to make, how much we

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Speaker 1: have to make to get it, and if we get

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Speaker 1: it early, then we get to really like fall almost

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Speaker 1: all the way back the rest of the year, because

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Speaker 1: why not what you know, Like I just think that

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Speaker 1: like companies have to be run differently or be left behind.

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Speaker 1: Like I'm not trying to kill myself, honestly, I'm trying

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Speaker 1: to have this baby. I'm trying to, like, you know,

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Speaker 1: potentially have a show. I want to you know, I

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Speaker 1: want to make more than enough. I would I want

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Speaker 1: to take home a second well already that now, but

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Speaker 1: I want to take home a specific amount of money.

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Speaker 1: And then you know, if I could be done by

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Speaker 1: June sis all the better, you know what I mean.

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Speaker 1: Then I could be like, oh, let me lean into

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Speaker 1: Molly Moore a project that doesn't make much money but

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Speaker 1: it's fun, or let me you know, I don't know,

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Speaker 1: I can A lot of people ask me to volunteer

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Speaker 1: my time, but I don't have as much time to

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Speaker 1: volunteer because I'm like, oh, we have to make money

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Speaker 1: in order to hit our No. Now I could be like, oh,

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Speaker 1: I could spend the rest of the year that all

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Speaker 1: my speaking engagements, I can give them away for free

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Speaker 1: to nonprofits and churches and things like that. And so yeah,

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Speaker 1: I'm just there has to be a better way to

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Speaker 1: do this in business and instead of like big for

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Speaker 1: big sake, like what's the purpose? We already know that

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Speaker 1: we're serving our community, but it's like, now I kind

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Speaker 1: of want to do an about face, like the people

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Speaker 1: who are doing the serving, how do I make sure

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Speaker 1: that you get served? That's really important to me. So yeah,

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Speaker 1: it is.

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Speaker 2: I love that I having worked for several publicly traded

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Speaker 2: companies where it is all about that quarterly earnings period,

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Speaker 2: like what are we going to tell Wall Street? Our

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Speaker 2: revenue was? What are we going to tell our shareholders?

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Speaker 2: You know, what's the stock price? And even if you

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Speaker 2: were a bottom rung employee or the top I mean,

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Speaker 2: no matter what they say at the end of the day,

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Speaker 2: that is what they care about the bottom line. And

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Speaker 2: it is that constant grind. And it's also I love

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Speaker 2: that you're even just questioning working for work's sake. You know,

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Speaker 2: being on the hamster wheel as a corporation, and as

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Speaker 2: you're describing it, it reminds me of what happens when

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Speaker 2: you have financial freedom on a personal level, like when

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Speaker 2: you have money in the bank, to where someone else's

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Speaker 2: choice doesn't really have an impact on what you can do.

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Speaker 2: Like you have the freedom to not need, you know,

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Speaker 2: to work for a certain person if they offend you

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Speaker 2: or if they don't welcome you know, the fact that

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Speaker 2: you have got a kid in the background, or they

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Speaker 2: don't like that you take walks. You can walk away

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Speaker 2: from that. You don't have to fester and anger. You

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Speaker 2: have a choice to remove yourself from that situation. And

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Speaker 2: I yeah, so that's what I love about it. It sounds

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Speaker 2: like that's where I have always been laser focused on,

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Speaker 2: is getting to a place of personal financial freedom, to

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Speaker 2: where I don't nothing bothers me because I have a

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Speaker 2: choice to walk away from anything that does at the

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Speaker 2: end of the day. And I can make choices now

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Speaker 2: for my family because of the steps I've taken to

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Speaker 2: to invest and save and you know, keep expenses very

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Speaker 2: very low, not very low, but keep stay comfortable, but

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Speaker 2: not just acquire things and acquire a bigger this and

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Speaker 2: a better that, because that's what it feels like I'm

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Speaker 2: supposed to be doing. But to really be thoughtful about

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Speaker 2: the things that I do purchase and the things that

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Speaker 2: you know, we spend our money on things that actually

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Speaker 2: bring joy, you know, experiences and yeah, the occasional thing,

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Speaker 2: but a thing that isn't it, you know, something that

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Speaker 2: we can share together, that kind of thing so that

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Speaker 2: we're we're free to make those decisions. And it feels

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Speaker 2: so damn good and I would love to. I mean,

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Speaker 2: I'm just I'm excited for the budget, Nista and all

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Speaker 2: your employees because there you call them the unicorn squad,

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Speaker 2: but that's a unicorn culture too. There's I've heard other

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Speaker 2: philosophies like this in business, but it's certainly not the norm.

433
00:20:47,000 --> 00:20:50,800
Speaker 2: The norm is still that grind, grind till you die.

434
00:20:51,119 --> 00:20:53,960
Speaker 2: And we got to stop. We got to stop, Like

435
00:20:54,280 --> 00:20:58,600
Speaker 2: what's the word? We have to stop? Like one, it's

436
00:20:58,640 --> 00:21:00,440
Speaker 2: the damn word, Tiviany Hill girl.

437
00:21:00,600 --> 00:21:03,520
Speaker 1: Oh, I feel like we have to hustle culture where it's.

438
00:21:03,880 --> 00:21:07,000
Speaker 2: Postal hustle culture to where we we say this is

439
00:21:07,040 --> 00:21:09,479
Speaker 2: the way it's got to be. We glamorize it you know,

440
00:21:10,000 --> 00:21:15,560
Speaker 2: burn burnout and exhaustion and slapping to the office even

441
00:21:15,640 --> 00:21:18,880
Speaker 2: though it makes you angry and sucks away your soul,

442
00:21:19,480 --> 00:21:21,840
Speaker 2: just because well, people think this is what we should

443
00:21:21,880 --> 00:21:24,200
Speaker 2: be doing. Just thinking of things differently. It's amazing.

444
00:21:24,920 --> 00:21:27,719
Speaker 1: Yeah, I just I'm excited because I'm just like, what

445
00:21:27,760 --> 00:21:30,960
Speaker 1: if we can normalize that, you know, like I think

446
00:21:31,359 --> 00:21:33,080
Speaker 1: my remember my biggest thing I told you, Mandy, that

447
00:21:33,160 --> 00:21:34,880
Speaker 1: was like, I wasn't gonna write like a business book

448
00:21:34,920 --> 00:21:37,000
Speaker 1: until I hit ten million dollars in revenue because feel

449
00:21:37,040 --> 00:21:40,000
Speaker 1: like people would take me seriously. You know, it's because

450
00:21:40,040 --> 00:21:42,000
Speaker 1: I want to be able to say you can do that.

451
00:21:42,320 --> 00:21:46,960
Speaker 1: You know you can. You cannot work people to death,

452
00:21:47,000 --> 00:21:51,000
Speaker 1: You cannot try to squash their dreams. You can actually

453
00:21:51,080 --> 00:21:55,280
Speaker 1: encourage them to have businesses and actually help their businesses grow.

454
00:21:55,320 --> 00:21:57,679
Speaker 1: I help so many people on our team with their businesses,

455
00:21:57,920 --> 00:22:02,440
Speaker 1: whether it's advice or free advertise or whatever. You can

456
00:22:02,520 --> 00:22:04,800
Speaker 1: do that and people still stay with you. People are like, well,

457
00:22:04,800 --> 00:22:07,359
Speaker 1: if you help her girl her business, wat shoes, she stay.

458
00:22:08,119 --> 00:22:11,040
Speaker 1: Here's the thing. If you're amazing, you're not gonna stay

459
00:22:11,080 --> 00:22:14,480
Speaker 1: even like you can. I'm not worried if someone's going

460
00:22:14,520 --> 00:22:17,159
Speaker 1: to leave we create such an amazing environment that we

461
00:22:17,200 --> 00:22:22,080
Speaker 1: will always have good employees. We will like anytime we're

462
00:22:22,080 --> 00:22:26,200
Speaker 1: looking for someone, we get flooded by so many amazing

463
00:22:26,240 --> 00:22:28,320
Speaker 1: people who want to work with us. So if someone

464
00:22:28,359 --> 00:22:30,400
Speaker 1: decides to leave because they have a we have someone

465
00:22:30,480 --> 00:22:34,320
Speaker 1: right now with this an amazing want in a lifetime opportunity.

466
00:22:34,840 --> 00:22:38,240
Speaker 1: And she's like, you know, in her last round of interviewing,

467
00:22:38,320 --> 00:22:41,040
Speaker 1: the fact that she came to us and told us

468
00:22:41,040 --> 00:22:42,960
Speaker 1: and we're all wishing her wealth, like we hope you

469
00:22:43,040 --> 00:22:45,040
Speaker 1: get it, and she's like, even if I get it,

470
00:22:45,240 --> 00:22:47,119
Speaker 1: I'm still gonna work here part time. We're like, girl,

471
00:22:47,200 --> 00:22:49,879
Speaker 1: you are not gonna be working part time, because it

472
00:22:49,760 --> 00:22:53,359
Speaker 1: was it's a want in a lifetime, amazing opportunity. But

473
00:22:53,440 --> 00:22:56,359
Speaker 1: the fact that she's telling us she's going on interviews

474
00:22:56,680 --> 00:22:58,840
Speaker 1: and she's excited and we're not like, well, girl, by

475
00:22:58,960 --> 00:23:01,480
Speaker 1: you're fired. And the fact that it's an environment that

476
00:23:01,560 --> 00:23:04,360
Speaker 1: you can say that and we wish you well and

477
00:23:04,440 --> 00:23:07,240
Speaker 1: like we do because where there's one of her, there

478
00:23:07,320 --> 00:23:09,840
Speaker 1: is more of her because we create an environment that

479
00:23:09,880 --> 00:23:12,480
Speaker 1: fosters that kind of person to seek us out and

480
00:23:12,520 --> 00:23:15,000
Speaker 1: want to work with us. You know, like most people

481
00:23:15,040 --> 00:23:17,439
Speaker 1: who have started with me are still here. You know,

482
00:23:17,640 --> 00:23:20,240
Speaker 1: very rarely have I let someone go. And even the

483
00:23:20,280 --> 00:23:23,399
Speaker 1: people that we've let go, ninety five percent of them

484
00:23:23,800 --> 00:23:26,639
Speaker 1: I still converse with and email with and text and

485
00:23:26,760 --> 00:23:30,720
Speaker 1: check on them. Was it was very amiable, amicable, and

486
00:23:30,800 --> 00:23:33,280
Speaker 1: you know, we let them go with kindness and money.

487
00:23:33,359 --> 00:23:35,159
Speaker 1: I mean, I know, we don't have to give three

488
00:23:35,359 --> 00:23:37,600
Speaker 1: people three months worth of severance when you're a contract,

489
00:23:37,600 --> 00:23:39,640
Speaker 1: but we did because I'm like, well, you're a mom

490
00:23:39,640 --> 00:23:41,520
Speaker 1: and I don't want to see you struggle, or you're

491
00:23:41,520 --> 00:23:42,880
Speaker 1: a mom and I don't want to see without a job.

492
00:23:42,920 --> 00:23:45,200
Speaker 1: Let me help you find something else. So as a result,

493
00:23:45,400 --> 00:23:47,680
Speaker 1: we put a lot of really good business karma out there.

494
00:23:47,680 --> 00:23:50,560
Speaker 1: But I think there's a different way that people can navigate.

495
00:23:50,920 --> 00:23:54,120
Speaker 1: And what I want is that people start to demand

496
00:23:54,200 --> 00:23:57,200
Speaker 1: more from where they work and let these businesses that

497
00:23:57,280 --> 00:23:59,000
Speaker 1: want to mistreat you let them suffer.

498
00:24:00,080 --> 00:24:03,800
Speaker 2: Yeah, create your own financial safety net so that you

499
00:24:04,080 --> 00:24:07,560
Speaker 2: don't like you're continuing to work there. Gives them a

500
00:24:07,640 --> 00:24:10,000
Speaker 2: sense of oh, well, whatever we're doing must be working

501
00:24:10,080 --> 00:24:12,760
Speaker 2: because people are still here. Like you may be there

502
00:24:12,760 --> 00:24:14,920
Speaker 2: because you've got debt and you have to pay it off,

503
00:24:15,119 --> 00:24:17,959
Speaker 2: or because you feel like you know you're stuck and

504
00:24:18,000 --> 00:24:20,880
Speaker 2: there's nothing else out there for you but finance. I mean,

505
00:24:21,040 --> 00:24:23,399
Speaker 2: money is not the enemy. It is a tool for

506
00:24:23,480 --> 00:24:25,320
Speaker 2: you to use to get to your purpose and to

507
00:24:25,359 --> 00:24:27,640
Speaker 2: get to a place where you're happy. It can exist

508
00:24:27,680 --> 00:24:30,240
Speaker 2: like you can do work that feeds you and makes

509
00:24:30,240 --> 00:24:33,960
Speaker 2: you happy and build a life for yourself that that yes,

510
00:24:34,080 --> 00:24:36,720
Speaker 2: that that you feel like represents what you're best at.

511
00:24:36,720 --> 00:24:39,800
Speaker 2: It makes you, that brings you joy and at the

512
00:24:39,880 --> 00:24:41,720
Speaker 2: end of the day, if you have that's what I

513
00:24:41,760 --> 00:24:43,640
Speaker 2: love this show when we talk about the time, it's

514
00:24:44,040 --> 00:24:46,879
Speaker 2: it's the simple steps you can take to create that

515
00:24:46,960 --> 00:24:50,720
Speaker 2: financial cushion so that you can make choices thoughtfully for

516
00:24:50,880 --> 00:24:52,840
Speaker 2: your best interest. Because at the end of the day,

517
00:24:53,240 --> 00:24:55,400
Speaker 2: whoever you're working for, they're going to be looking out

518
00:24:55,400 --> 00:24:58,680
Speaker 2: for their best interest ninety nine percent of the time, right,

519
00:24:59,119 --> 00:25:01,320
Speaker 2: So it's just a different it's a different way of feeling,

520
00:25:01,359 --> 00:25:03,639
Speaker 2: and it's like proof of what can happen when you

521
00:25:03,920 --> 00:25:07,919
Speaker 2: just make choices that take away that you know, that

522
00:25:08,000 --> 00:25:10,920
Speaker 2: hanging that sense of dread hanging over you, the financial

523
00:25:11,280 --> 00:25:13,439
Speaker 2: you know, the financial weight on your shoulders, I can

524
00:25:13,480 --> 00:25:15,199
Speaker 2: hold you back and keep you at a place that

525
00:25:15,840 --> 00:25:18,720
Speaker 2: is not giving you that is not giving you purpose

526
00:25:18,800 --> 00:25:22,960
Speaker 2: or giving you like any happiness at all. Where you

527
00:25:23,280 --> 00:25:25,399
Speaker 2: is it budgeties dot com slash hiring? Is that what

528
00:25:25,800 --> 00:25:26,439
Speaker 2: we can look for?

529
00:25:27,000 --> 00:25:29,120
Speaker 1: I always said, we're not My thing is like we're

530
00:25:29,119 --> 00:25:31,080
Speaker 1: not hiring right now, but we always take resumes and

531
00:25:31,119 --> 00:25:34,000
Speaker 1: you'd be surprised, Like I'll be like, oh, we're not hiring,

532
00:25:34,000 --> 00:25:35,560
Speaker 1: and somebody will send a resume. I'm like, oh, you

533
00:25:35,560 --> 00:25:38,040
Speaker 1: know what, somebody on the tea will be like, Tiffany,

534
00:25:38,080 --> 00:25:40,240
Speaker 1: I need it. I'm like, I just got a resume, girl,

535
00:25:40,240 --> 00:25:42,400
Speaker 1: I'm sending it over. So I always help.

536
00:25:42,320 --> 00:25:43,520
Speaker 2: You future shot.

537
00:25:43,640 --> 00:25:46,080
Speaker 1: Yeah, no, for real, because you just you just never know,

538
00:25:46,240 --> 00:25:48,879
Speaker 1: Like there's not one position that we're like okay, But

539
00:25:49,480 --> 00:25:51,840
Speaker 1: like I said, like the last person we just hired

540
00:25:51,880 --> 00:25:53,960
Speaker 1: with someone we weren't hiring and then we ended up

541
00:25:54,000 --> 00:25:56,359
Speaker 1: needing someone and her resume was already in my inbox

542
00:25:56,400 --> 00:25:58,480
Speaker 1: and she ended up being an amazing fit. Yeah. We

543
00:25:58,520 --> 00:26:01,040
Speaker 1: have a lot of corp corporate refugee over at Budgetista.

544
00:26:01,280 --> 00:26:04,360
Speaker 1: I'm like, let those places suffer. They don't deserve you, honestly,

545
00:26:04,400 --> 00:26:05,800
Speaker 1: I mean I get it, like if you have to

546
00:26:05,920 --> 00:26:07,120
Speaker 1: you have to feed your family, you got to take

547
00:26:07,119 --> 00:26:09,600
Speaker 1: care of your kids. You have to, but keep your

548
00:26:09,640 --> 00:26:12,760
Speaker 1: eye out for there are more places popping up that

549
00:26:12,920 --> 00:26:15,840
Speaker 1: know how to treat people, places that you know that

550
00:26:15,960 --> 00:26:18,359
Speaker 1: don't let them suffer, let them lose their best in

551
00:26:18,400 --> 00:26:21,120
Speaker 1: their brighters, let them lose you. They don't deserve you.

552
00:26:21,119 --> 00:26:21,320
Speaker 2: You know.

553
00:26:21,359 --> 00:26:25,440
Speaker 1: I'm like, yeah, so we work. I know he's not talking. Bruh.

554
00:26:25,520 --> 00:26:27,040
Speaker 1: You have a lot to worry about. Worry about people

555
00:26:27,040 --> 00:26:30,199
Speaker 1: coming back to the office. You know, you have a

556
00:26:30,240 --> 00:26:38,720
Speaker 1: pr issue. Bruh. So so that was good. You want

557
00:26:38,760 --> 00:26:40,800
Speaker 1: to take some kowtek.

558
00:26:41,560 --> 00:26:45,440
Speaker 2: Oh, well, let's take a quick woosay, take a quick break,

559
00:26:45,480 --> 00:27:20,160
Speaker 2: and we'll be right back with y'all questions. All right,

560
00:27:20,200 --> 00:27:22,680
Speaker 2: we are back with your questions. Hit us up, y'all.

561
00:27:22,680 --> 00:27:25,600
Speaker 2: We are at Brown Ambition Podcast on Instagram. You can

562
00:27:25,600 --> 00:27:28,080
Speaker 2: slide into our dms there with your questions on your

563
00:27:28,080 --> 00:27:31,000
Speaker 2: career or your finances. You can also check out our

564
00:27:31,040 --> 00:27:32,920
Speaker 2: show notes and see how you can leave us a

565
00:27:33,040 --> 00:27:35,640
Speaker 2: voicemail with your questions. We may take your answer live

566
00:27:35,760 --> 00:27:36,359
Speaker 2: on the show.

567
00:27:36,560 --> 00:27:39,959
Speaker 1: Yeah, can I just really quickly someone was this a tweet? Anyway?

568
00:27:40,000 --> 00:27:42,800
Speaker 1: Her name is I'll slap long you know, I won't.

569
00:27:42,560 --> 00:27:44,240
Speaker 2: Name her name, will slap who.

570
00:27:44,440 --> 00:27:46,600
Speaker 1: She said her name is literally, I'll slap your ass

571
00:27:46,760 --> 00:27:49,240
Speaker 1: just because of slavery. Friend, I don't I don't know

572
00:27:49,280 --> 00:27:50,080
Speaker 1: if that's literally.

573
00:27:50,720 --> 00:27:54,840
Speaker 2: That is literally on Twitter day, So hey girl, I love.

574
00:27:55,280 --> 00:27:58,919
Speaker 1: This is what she wrote. She said, Tiffany, there's a

575
00:27:59,040 --> 00:28:02,120
Speaker 1: video going around about the housing bubble by he who

576
00:28:02,160 --> 00:28:05,399
Speaker 1: shall not be named. We know he's talking about dr period,

577
00:28:06,000 --> 00:28:09,480
Speaker 1: so I refuse to watch it. That's right, girl, to

578
00:28:09,680 --> 00:28:16,000
Speaker 1: discuss on the podcast or something. Please sosing bibble. Yes,

579
00:28:16,080 --> 00:28:16,720
Speaker 1: what are you thinking?

580
00:28:17,720 --> 00:28:20,040
Speaker 2: Oh? I mean, I think this has been a conversation

581
00:28:20,359 --> 00:28:23,520
Speaker 2: that's been happening since the pandemic. I mean people, and

582
00:28:23,560 --> 00:28:25,560
Speaker 2: I'm living it. I don't know if you are to Tiffany,

583
00:28:25,600 --> 00:28:27,760
Speaker 2: but in the burbs outside of New York, I live

584
00:28:27,840 --> 00:28:31,200
Speaker 2: about thirty minutes outside the city. We have so many

585
00:28:31,480 --> 00:28:35,320
Speaker 2: city heites or urbanites who have been, you know, fleeing

586
00:28:35,480 --> 00:28:39,640
Speaker 2: the were fled the super populated city of Manhattan, fled

587
00:28:39,640 --> 00:28:42,640
Speaker 2: public transit to rent homes out here in the burbs

588
00:28:42,640 --> 00:28:45,280
Speaker 2: with us and property values. Let me tell you like

589
00:28:45,400 --> 00:28:47,520
Speaker 2: our neighborhood. I always have always thought it was a

590
00:28:47,560 --> 00:28:50,320
Speaker 2: hidden gem. We got our house for four hundred and

591
00:28:50,320 --> 00:28:52,400
Speaker 2: forty five thousand and we did a lot of work

592
00:28:52,440 --> 00:28:55,200
Speaker 2: to it. But just to give you a baseline, a

593
00:28:55,240 --> 00:28:57,400
Speaker 2: house two blocks from mine just went on sale for

594
00:28:57,480 --> 00:29:00,200
Speaker 2: over eight hundred thousand dollars.

595
00:29:00,240 --> 00:29:00,760
Speaker 1: Crazy.

596
00:29:01,880 --> 00:29:04,840
Speaker 2: It's you know, and husband's like, we're trying to move

597
00:29:04,960 --> 00:29:07,080
Speaker 2: or I'm like, no, we're not trying to move right now.

598
00:29:08,000 --> 00:29:10,480
Speaker 2: I don't think it's necessarily a bubble. And this is why,

599
00:29:10,520 --> 00:29:12,760
Speaker 2: I mean, well, you have to like define bubble. I

600
00:29:12,800 --> 00:29:15,240
Speaker 2: don't think that we're in a position like we were

601
00:29:15,640 --> 00:29:19,160
Speaker 2: leading up to the housing crisis of seven eight for

602
00:29:19,240 --> 00:29:22,480
Speaker 2: a couple of different reasons. There's there's more regulations in

603
00:29:22,520 --> 00:29:24,960
Speaker 2: place today. One of the biggest problems with the last

604
00:29:25,040 --> 00:29:28,440
Speaker 2: recession or the last housing crisis was that lenders were

605
00:29:28,480 --> 00:29:31,120
Speaker 2: just out here giving away houses to people who could

606
00:29:31,120 --> 00:29:34,160
Speaker 2: not afford them, literally could not afford them. And as

607
00:29:34,160 --> 00:29:37,520
Speaker 2: soon as times got tough with the recession, people started

608
00:29:37,520 --> 00:29:41,000
Speaker 2: defaulting on their mortgages. And then because lenders were turning

609
00:29:41,000 --> 00:29:44,080
Speaker 2: around and selling those mortgages off to Wall Street, Wall

610
00:29:44,080 --> 00:29:47,240
Speaker 2: Street was all, you know, self combusting as well because

611
00:29:47,280 --> 00:29:49,440
Speaker 2: they had all these bad mortgage notes on their books.

612
00:29:50,000 --> 00:29:52,720
Speaker 2: So it's that stuff is not happening today. What we're

613
00:29:52,720 --> 00:29:56,040
Speaker 2: seeing today is simple economics. And I think I've told y'all,

614
00:29:56,120 --> 00:29:59,040
Speaker 2: y'all got I got a eked out a be an

615
00:29:59,040 --> 00:30:02,240
Speaker 2: econ in college. But I listened enough to whatever his

616
00:30:02,320 --> 00:30:04,360
Speaker 2: name was, who wore Hawaiian T shirts. I don't know

617
00:30:04,400 --> 00:30:07,320
Speaker 2: why he did, my professor. I listened enough to remember

618
00:30:07,360 --> 00:30:09,840
Speaker 2: supply and demand. And that's what we're seeing right now.

619
00:30:09,880 --> 00:30:13,120
Speaker 2: The inventory of housing in this country has not been

620
00:30:13,120 --> 00:30:16,920
Speaker 2: meeting the demand from people wanting more space. They want

621
00:30:16,920 --> 00:30:19,840
Speaker 2: a yard, they want you know, more freedom, they want

622
00:30:19,840 --> 00:30:22,200
Speaker 2: to breathe put out of these big cities and they

623
00:30:22,200 --> 00:30:25,280
Speaker 2: want to move. And in cities where the real estate

624
00:30:25,320 --> 00:30:28,600
Speaker 2: markets are tight with inventory, that's what it is. There's

625
00:30:28,680 --> 00:30:32,120
Speaker 2: less supply, there's more demand, so the cost of goods

626
00:30:32,160 --> 00:30:34,240
Speaker 2: is going up. I would say if I was looking

627
00:30:34,240 --> 00:30:36,640
Speaker 2: to buy right now, I would be nervous. I would

628
00:30:36,640 --> 00:30:40,440
Speaker 2: only buy if I really really wanted to, needed to,

629
00:30:40,960 --> 00:30:43,959
Speaker 2: and had good data on the market where I am

630
00:30:43,960 --> 00:30:46,560
Speaker 2: purchasing at home, to see if it's been how has

631
00:30:46,600 --> 00:30:51,200
Speaker 2: it performed in other you know, dicey economic times, and

632
00:30:51,400 --> 00:30:54,640
Speaker 2: just ask around and do your due diligence. As a homeowner.

633
00:30:55,600 --> 00:30:57,600
Speaker 2: The struggle with us is like, well, do you want

634
00:30:57,600 --> 00:30:59,440
Speaker 2: to sell and make a pretty penny. But then where

635
00:30:59,440 --> 00:31:01,040
Speaker 2: am I going to go. I'll be out in the

636
00:31:01,080 --> 00:31:03,040
Speaker 2: same housing market everyone else is going to be out

637
00:31:03,560 --> 00:31:06,560
Speaker 2: unable to find something, you know, because inventory is so

638
00:31:06,640 --> 00:31:09,120
Speaker 2: tight or prices are so high that even if I

639
00:31:09,160 --> 00:31:11,400
Speaker 2: turn a profit on my home, you know, I just

640
00:31:11,440 --> 00:31:14,200
Speaker 2: have to turn around and sync that into the next one.

641
00:31:15,240 --> 00:31:18,760
Speaker 1: And that's what my so I don't know necessarily if

642
00:31:18,800 --> 00:31:23,080
Speaker 1: it's a bubble per se, or there's a little bit

643
00:31:23,080 --> 00:31:26,000
Speaker 1: of inflation. And I do expect for there to be

644
00:31:26,080 --> 00:31:29,840
Speaker 1: a little bit of correction in the market. Meaning I

645
00:31:29,840 --> 00:31:31,320
Speaker 1: don't think all of a sudden it's going to burst

646
00:31:31,320 --> 00:31:33,840
Speaker 1: in your your eight hundred thousand dollars home it's going

647
00:31:33,880 --> 00:31:36,200
Speaker 1: to be worth two hundred thousand. No, But I do

648
00:31:36,240 --> 00:31:38,600
Speaker 1: think they'll be like a settling down, you know, because

649
00:31:38,640 --> 00:31:40,120
Speaker 1: it won't go up forever and ever and ever, because

650
00:31:40,120 --> 00:31:44,560
Speaker 1: eventually the demand will slow down or the supply will increase,

651
00:31:44,960 --> 00:31:47,560
Speaker 1: and then that's when you'll really see if whether or not.

652
00:31:49,400 --> 00:31:51,640
Speaker 1: My only thing is this is like it's one thing

653
00:31:51,680 --> 00:31:53,520
Speaker 1: for a house to go up fifty thousand, you know,

654
00:31:54,360 --> 00:31:56,720
Speaker 1: sixty thousand, but houses that are going up two hundred,

655
00:31:56,760 --> 00:31:58,880
Speaker 1: three hundred thousand, I'm like, that's where I think you

656
00:31:58,960 --> 00:32:02,480
Speaker 1: might see some course, correct if houses are doubling where

657
00:32:02,520 --> 00:32:05,520
Speaker 1: you are, because I'm just like, uh, I don't know,

658
00:32:05,720 --> 00:32:07,120
Speaker 1: I don't know. If it was me right now, I

659
00:32:07,120 --> 00:32:09,000
Speaker 1: would not buy a house for double I just wouldn't.

660
00:32:09,360 --> 00:32:11,840
Speaker 1: I would not buy a house for you know, like,

661
00:32:12,600 --> 00:32:15,200
Speaker 1: you know, fifty sixty percent more than it was you know,

662
00:32:15,360 --> 00:32:18,280
Speaker 1: just a little while ago. I just it just feels,

663
00:32:18,440 --> 00:32:20,480
Speaker 1: and I guess maybe I'm a little gun shy because Mandy,

664
00:32:20,560 --> 00:32:22,680
Speaker 1: I bought my house in two thousand and six, right

665
00:32:22,760 --> 00:32:26,360
Speaker 1: before the you know, so I mean I'm also a

666
00:32:26,400 --> 00:32:29,280
Speaker 1: lot more conservative. So what that means is, guys, is

667
00:32:29,280 --> 00:32:30,800
Speaker 1: that like I bought my house for two hundred and

668
00:32:30,800 --> 00:32:35,360
Speaker 1: twenty thousand dollars right before the housing crash, you know,

669
00:32:35,440 --> 00:32:37,640
Speaker 1: in two thousand and eight, nine, ten, and so I

670
00:32:37,680 --> 00:32:40,480
Speaker 1: bought it for two twenty the lowest it went down.

671
00:32:40,520 --> 00:32:42,280
Speaker 1: I think, Mandy, I want to say, is like two

672
00:32:42,880 --> 00:32:45,080
Speaker 1: no one thirty one fifty. So you know, I was like,

673
00:32:45,080 --> 00:32:49,080
Speaker 1: what the hell you know? And since then, Mandy that

674
00:32:49,120 --> 00:32:50,520
Speaker 1: remember I told you every once in a while, I

675
00:32:51,160 --> 00:32:54,640
Speaker 1: still cyperstalk my my old condo, so I would say

676
00:32:54,640 --> 00:32:56,640
Speaker 1: at least once a year, I type in my address

677
00:32:56,680 --> 00:32:58,800
Speaker 1: to see what is it worth. Now it has never

678
00:32:58,840 --> 00:33:01,080
Speaker 1: gotten back up to two twenty. The closest it's got

679
00:33:01,160 --> 00:33:04,400
Speaker 1: is one eighty. And so it makes me say like ugh,

680
00:33:04,680 --> 00:33:09,080
Speaker 1: whenever I see like home prices inflate dramatically, it just

681
00:33:09,080 --> 00:33:11,560
Speaker 1: makes me nervous to say, you know, not to say

682
00:33:11,560 --> 00:33:13,240
Speaker 1: that it's going to crash, but there might be a

683
00:33:13,280 --> 00:33:15,960
Speaker 1: little bit of a course correction. So I would it's

684
00:33:15,960 --> 00:33:18,240
Speaker 1: so hard with homes not to get emotional about purchasing,

685
00:33:18,520 --> 00:33:20,760
Speaker 1: but I just be mindful about still looking for a

686
00:33:20,800 --> 00:33:23,880
Speaker 1: deal because despite you know, like the house of market

687
00:33:23,920 --> 00:33:25,920
Speaker 1: being crazy, there are still ways to get deals. You know,

688
00:33:25,960 --> 00:33:28,800
Speaker 1: there are still sometimes people who are selling a distress

689
00:33:28,840 --> 00:33:31,320
Speaker 1: and there are still keep your ear to the streets.

690
00:33:31,360 --> 00:33:33,960
Speaker 1: Like the house I live in now. We purchased it,

691
00:33:34,160 --> 00:33:36,080
Speaker 1: you know, it was in Newark, is a very hot market,

692
00:33:36,120 --> 00:33:38,520
Speaker 1: and we were getting out for a year to two

693
00:33:38,520 --> 00:33:40,720
Speaker 1: almost two years. We were getting outbid left and right,

694
00:33:40,920 --> 00:33:44,200
Speaker 1: and we found this on an auction site and we

695
00:33:44,240 --> 00:33:46,160
Speaker 1: paid half price for it. So there's still deals to

696
00:33:46,200 --> 00:33:47,800
Speaker 1: be found if you're willing to be patient. So that's

697
00:33:47,800 --> 00:33:48,520
Speaker 1: what I would just say.

698
00:33:48,880 --> 00:33:51,800
Speaker 2: Yeah, our neighborhood is definitely the fixer upper neighborhood in

699
00:33:51,800 --> 00:33:54,440
Speaker 2: the sense that there's a lot of older homeowners. Like

700
00:33:54,800 --> 00:33:58,520
Speaker 2: our home we purchased from a young retiree couple like

701
00:33:58,520 --> 00:34:00,880
Speaker 2: in the early sixties, and you know, they were just

702
00:34:00,960 --> 00:34:04,200
Speaker 2: righty to move and downsize. And there's a lot of

703
00:34:04,200 --> 00:34:06,920
Speaker 2: homes in our neighborhood that are like that, and that

704
00:34:07,080 --> 00:34:09,520
Speaker 2: to me is a more natural kind of turnover. You know,

705
00:34:09,520 --> 00:34:12,160
Speaker 2: they're selling their homes because they this this neighborhood. You know,

706
00:34:12,200 --> 00:34:14,000
Speaker 2: they lived in for a few decades, raised their kids,

707
00:34:14,000 --> 00:34:16,680
Speaker 2: they're ready to downsize, and there's a lot of great

708
00:34:18,000 --> 00:34:20,280
Speaker 2: deals to be had. We've seen and it's been fun

709
00:34:20,320 --> 00:34:23,480
Speaker 2: to see people buy these these homes that look pretty

710
00:34:23,480 --> 00:34:25,560
Speaker 2: sad and run down and then just fix them up.

711
00:34:25,640 --> 00:34:28,440
Speaker 2: And I'm excited about it. I'm glad I bought the

712
00:34:28,440 --> 00:34:31,239
Speaker 2: house three years ago. I'm gonna say that. But I mean,

713
00:34:31,280 --> 00:34:34,360
Speaker 2: I don't understand, like it's such a huge purchase. Like

714
00:34:34,360 --> 00:34:37,240
Speaker 2: if you're out there trying to buy a house, just rent,

715
00:34:37,280 --> 00:34:39,080
Speaker 2: it's it's fine, you don't have to have a home

716
00:34:39,160 --> 00:34:42,880
Speaker 2: right now. It's like that herd mentality. But yeah, it's

717
00:34:43,200 --> 00:34:46,000
Speaker 2: My dad sold his condo in Atlanta he lives about well,

718
00:34:46,040 --> 00:34:48,279
Speaker 2: not in Atlanta, but he lives in a Tucker which

719
00:34:48,320 --> 00:34:50,200
Speaker 2: is about, I don't know, twenty minutes aside of Atlanta,

720
00:34:50,600 --> 00:34:52,480
Speaker 2: and he sold his condo he'd been in for a

721
00:34:52,520 --> 00:34:55,240
Speaker 2: long time. I think he bought it for like sixty

722
00:34:55,320 --> 00:34:58,080
Speaker 2: thousand dollars and he sold it for one thirty or

723
00:34:58,080 --> 00:34:59,839
Speaker 2: something like that. He's like, why are you putting all

724
00:34:59,840 --> 00:35:03,520
Speaker 2: of my business on this what? He doesn't even know

725
00:35:03,560 --> 00:35:06,239
Speaker 2: what the podcast is. It's fine, but anyway, he made

726
00:35:06,239 --> 00:35:08,480
Speaker 2: a nice profit. But he's living with a cousin right

727
00:35:08,480 --> 00:35:11,759
Speaker 2: now because, like the time, it just it's hard to

728
00:35:11,800 --> 00:35:14,600
Speaker 2: line up those perfect things where you can sell and

729
00:35:14,600 --> 00:35:17,920
Speaker 2: then immediately, you know, walk into a new home of

730
00:35:17,960 --> 00:35:20,400
Speaker 2: your own. So he's he's trying to figure out you know,

731
00:35:20,440 --> 00:35:22,560
Speaker 2: he's staying on his uh with his with his cousin.

732
00:35:22,880 --> 00:35:26,640
Speaker 2: Shout out to Mark. He's staying with him and you know,

733
00:35:26,719 --> 00:35:28,400
Speaker 2: trying to figure out where he wants to live and

734
00:35:28,440 --> 00:35:30,799
Speaker 2: taking his time. And he's also in a really tough

735
00:35:30,840 --> 00:35:33,839
Speaker 2: market outside of Atlanta too, So that's the other side

736
00:35:33,880 --> 00:35:37,319
Speaker 2: of that coin. Thank you too. I will slap you

737
00:35:37,920 --> 00:35:39,799
Speaker 2: for slavery. What was it?

738
00:35:40,880 --> 00:35:43,880
Speaker 1: I will slap your ass just because of slavery. And

739
00:35:43,920 --> 00:35:45,520
Speaker 1: I think it says frank because I got cut off.

740
00:35:45,600 --> 00:35:49,239
Speaker 1: But I girl, please Tweetbee because that was hilarious. That

741
00:35:49,280 --> 00:35:51,640
Speaker 1: was your name, and I'm thank you for Yes, you

742
00:35:51,640 --> 00:35:54,000
Speaker 1: don't have to watch he who will shall not be named,

743
00:35:54,040 --> 00:35:55,480
Speaker 1: come on over here. We got you, girl.

744
00:35:56,120 --> 00:35:58,600
Speaker 2: We just or do watch it, but then watch other

745
00:35:58,640 --> 00:36:01,399
Speaker 2: stuff too, And you know, sometimes it's good to see

746
00:36:01,440 --> 00:36:05,520
Speaker 2: what some people are saying, like and think critically about

747
00:36:05,560 --> 00:36:09,239
Speaker 2: it and like, you know, but I understand it's I

748
00:36:09,320 --> 00:36:11,759
Speaker 2: commend you for at least knowing enough to be like, yeah,

749
00:36:11,760 --> 00:36:14,480
Speaker 2: I'm not gonna believe whatever it is that he's talking about.

750
00:36:17,400 --> 00:36:20,520
Speaker 2: All right, well, let's take this question from Instagram. I

751
00:36:20,520 --> 00:36:23,520
Speaker 2: guess we're going to keep them anonymous. They say, Hi, ladies,

752
00:36:23,640 --> 00:36:25,920
Speaker 2: have a quick question. My husband and I started the

753
00:36:25,960 --> 00:36:28,920
Speaker 2: Snowball method, and we've paid off over ninety one thousand

754
00:36:29,000 --> 00:36:30,640
Speaker 2: dollars in debt. Okay, I'm gonna pause just to do

755
00:36:30,680 --> 00:36:35,520
Speaker 2: my snaps. Yes, that's amazing work. Yes, including our car,

756
00:36:35,680 --> 00:36:38,480
Speaker 2: credit cards, and student loans. We still have twenty four

757
00:36:38,480 --> 00:36:41,200
Speaker 2: thousand dollars to go, but we're super happy and grateful

758
00:36:41,200 --> 00:36:43,280
Speaker 2: to be where we are along the way. We started

759
00:36:43,320 --> 00:36:45,160
Speaker 2: to get rid of our credit cards to begin a

760
00:36:45,239 --> 00:36:48,439
Speaker 2: no credit card life. As a result, my credit began

761
00:36:48,480 --> 00:36:51,320
Speaker 2: to drop due to a lack of revolving credit. I

762
00:36:51,400 --> 00:36:53,840
Speaker 2: knew this would happen and was prepared for this. However,

763
00:36:53,920 --> 00:36:56,960
Speaker 2: we'd like to slowly build this up again. I'm wondering

764
00:36:57,040 --> 00:36:59,000
Speaker 2: what are the best credit cards to open in order

765
00:36:59,040 --> 00:37:01,200
Speaker 2: to do this, or what's the best way Should we

766
00:37:01,200 --> 00:37:03,920
Speaker 2: stop paying my student loan in full in order to

767
00:37:04,000 --> 00:37:06,400
Speaker 2: keep that as part of my credit report? I would

768
00:37:06,440 --> 00:37:07,600
Speaker 2: love some advice.

769
00:37:07,719 --> 00:37:12,799
Speaker 1: Oh, girl, your loans pay them bad boys off.

770
00:37:13,480 --> 00:37:13,800
Speaker 2: Yeah.

771
00:37:13,840 --> 00:37:18,000
Speaker 1: So there are two types of debt. There is revolving debt,

772
00:37:18,040 --> 00:37:21,600
Speaker 1: which is credit card debt. They call it revolving because

773
00:37:22,280 --> 00:37:24,800
Speaker 1: it like it's like the door, like even as you

774
00:37:24,920 --> 00:37:27,520
Speaker 1: paid off a credit card, it's still active, like you know,

775
00:37:27,560 --> 00:37:29,160
Speaker 1: like you can keep still coming back in at any

776
00:37:29,200 --> 00:37:32,759
Speaker 1: knock time. And there's installment loans and installment loans there's

777
00:37:32,760 --> 00:37:35,080
Speaker 1: this lump sum that you owe and you make installment

778
00:37:35,120 --> 00:37:39,759
Speaker 1: payments until it's done. So one of the ways to

779
00:37:39,880 --> 00:37:41,680
Speaker 1: like offset the fact that you're thinking you might be

780
00:37:41,719 --> 00:37:44,720
Speaker 1: like losing like, you know, some of your your mix,

781
00:37:44,760 --> 00:37:47,520
Speaker 1: your credit mix, is you can keep like you don't.

782
00:37:48,400 --> 00:37:50,560
Speaker 1: Here's the thing. You don't have to have a credit

783
00:37:50,560 --> 00:37:53,440
Speaker 1: card if you don't want to. There you know, you know,

784
00:37:54,320 --> 00:37:56,040
Speaker 1: just by paying your bills on time and you know

785
00:37:56,120 --> 00:37:58,120
Speaker 1: some of them will, and also paying like you know,

786
00:37:58,200 --> 00:38:00,680
Speaker 1: your your other things off, you're gonna definitely see a boost.

787
00:38:00,680 --> 00:38:03,200
Speaker 1: But if you did want to keep one credit card,

788
00:38:03,280 --> 00:38:05,279
Speaker 1: once you paid it off and just pay, you know,

789
00:38:05,400 --> 00:38:07,680
Speaker 1: put something like I call it the jump like Jordan

790
00:38:07,760 --> 00:38:09,759
Speaker 1: method because you know, Michael Jordan used to jump and

791
00:38:09,800 --> 00:38:11,640
Speaker 1: stay in the air for a long time. And that's

792
00:38:11,640 --> 00:38:13,719
Speaker 1: what we want our credit to do. Is you put

793
00:38:13,760 --> 00:38:16,360
Speaker 1: like your Netflix or your gym membership on that one card.

794
00:38:17,239 --> 00:38:20,720
Speaker 1: After you've paid it off, you say, hey, Netflix, charge

795
00:38:20,719 --> 00:38:23,279
Speaker 1: this card every month, and then you find out when

796
00:38:23,320 --> 00:38:26,440
Speaker 1: your statement date is. That is the date that a

797
00:38:26,480 --> 00:38:29,840
Speaker 1: statement is issued saying you use the card because you

798
00:38:29,920 --> 00:38:33,320
Speaker 1: want them to. You want them to tell the credit

799
00:38:33,360 --> 00:38:37,239
Speaker 1: bureaus the card has been used. And then you have

800
00:38:37,560 --> 00:38:39,200
Speaker 1: a I have I like to have a checking account

801
00:38:39,280 --> 00:38:41,640
Speaker 1: just for bills. You have that bill's account, pay the

802
00:38:41,680 --> 00:38:44,319
Speaker 1: credit card off in full after the statement date, but

803
00:38:44,560 --> 00:38:47,359
Speaker 1: buy the due date. So paying off a credit card

804
00:38:47,360 --> 00:38:51,400
Speaker 1: in full every month will help to keep get your

805
00:38:51,440 --> 00:38:55,719
Speaker 1: credit score jumping and to keep it high because you know, one,

806
00:38:56,280 --> 00:38:58,920
Speaker 1: it will show that you are, you know, like responsibly

807
00:38:59,000 --> 00:39:01,400
Speaker 1: using credit. You're paying it off in full, and because

808
00:39:01,400 --> 00:39:04,520
Speaker 1: you're putting something really low on it, it keeps your utilization,

809
00:39:05,320 --> 00:39:07,520
Speaker 1: which is thirty percent of your score, it keeps it low.

810
00:39:07,960 --> 00:39:10,959
Speaker 1: So no, sis pay off all the debts. People always

811
00:39:10,960 --> 00:39:12,360
Speaker 1: wouldn't want to ask that, Like, you know, man, you

812
00:39:12,360 --> 00:39:13,839
Speaker 1: ever give hit that. People are afraid to like pay

813
00:39:13,840 --> 00:39:15,960
Speaker 1: off debt because they don't want to lose credit.

814
00:39:15,960 --> 00:39:20,520
Speaker 2: But I'm like, uh, they want you to think that, yeah,

815
00:39:20,800 --> 00:39:22,920
Speaker 2: they off the debt. It only helps them if you

816
00:39:22,960 --> 00:39:26,360
Speaker 2: do not. Yeah, And her question is, you know, beyond

817
00:39:26,960 --> 00:39:29,040
Speaker 2: you know, rebuilding her credit. But what are the best

818
00:39:29,080 --> 00:39:32,880
Speaker 2: credit cards to open you could literally open. I'm just

819
00:39:32,920 --> 00:39:34,920
Speaker 2: trying to think of like a funny credit card, victorious

820
00:39:34,920 --> 00:39:37,160
Speaker 2: secret credit card, as long as you're paying off the

821
00:39:37,160 --> 00:39:40,239
Speaker 2: credit card in full each month. But probably don't open

822
00:39:40,239 --> 00:39:43,360
Speaker 2: a Victoria's credit card, Okay, but that's just the anyway,

823
00:39:43,440 --> 00:39:46,279
Speaker 2: a gap credit card, and as long as you pay

824
00:39:46,320 --> 00:39:48,000
Speaker 2: it off in full, they all work the same, you know.

825
00:39:48,480 --> 00:39:50,400
Speaker 2: But if I were doing if I were you, I

826
00:39:50,440 --> 00:39:53,400
Speaker 2: would pick a credit card that you know fits whatever

827
00:39:53,520 --> 00:39:56,600
Speaker 2: my habits are. If you're wanting a credit card that

828
00:39:56,640 --> 00:39:58,960
Speaker 2: maybe gives you points, then maybe you look at cards

829
00:39:58,960 --> 00:40:01,120
Speaker 2: that give you points for things and services that you

830
00:40:01,200 --> 00:40:03,360
Speaker 2: use quite often. But if you really just want a

831
00:40:03,400 --> 00:40:05,239
Speaker 2: card that you can charge one thing to and use

832
00:40:05,280 --> 00:40:09,279
Speaker 2: it to rebuild your credit, any no fee credit card

833
00:40:09,360 --> 00:40:11,760
Speaker 2: will do, and the interest rate is whatever the interest

834
00:40:11,800 --> 00:40:14,200
Speaker 2: rate is, but you don't plan on paying them any interest, right,

835
00:40:14,520 --> 00:40:16,320
Speaker 2: as long as you paid off in full every month,

836
00:40:16,760 --> 00:40:19,440
Speaker 2: then you'll never pay any interest. So you really just

837
00:40:19,440 --> 00:40:22,360
Speaker 2: look for the card that's no fee and pretty simple

838
00:40:22,400 --> 00:40:24,319
Speaker 2: to use, maybe with a bank that you already bank with,

839
00:40:24,520 --> 00:40:27,439
Speaker 2: just for simplicity's sake, and like go from there.

840
00:40:27,640 --> 00:40:28,719
Speaker 1: Mm hmm. Right.

841
00:40:29,480 --> 00:40:32,000
Speaker 2: You can always check out a website like Magnified Money

842
00:40:32,000 --> 00:40:34,799
Speaker 2: shout out to my old boss, my old Well they're

843
00:40:34,800 --> 00:40:37,719
Speaker 2: not there anymore, but my old company magnified money dot com.

844
00:40:37,719 --> 00:40:39,680
Speaker 2: And there's credit cards dot com too, where you can

845
00:40:39,760 --> 00:40:41,799
Speaker 2: kind of look and see what's out there. It's so

846
00:40:41,880 --> 00:40:45,279
Speaker 2: many options, believe me. But I will say at the end,

847
00:40:45,360 --> 00:40:48,719
Speaker 2: you know, with the pandemic, credit card usage plummeted, especially

848
00:40:49,120 --> 00:40:51,640
Speaker 2: on cards that paid you big points for travel and

849
00:40:51,680 --> 00:40:54,560
Speaker 2: restaurants because nobody was doing either of those things anymore.

850
00:40:55,000 --> 00:40:58,000
Speaker 2: And I have seen that some banks are now bringing

851
00:40:58,120 --> 00:41:01,480
Speaker 2: back nice, juicy sign on bonus offers to try to

852
00:41:01,560 --> 00:41:04,160
Speaker 2: lure people back to using their credit cards. So you

853
00:41:04,200 --> 00:41:07,120
Speaker 2: may want to take this chance to earn some points

854
00:41:07,440 --> 00:41:08,800
Speaker 2: and pick a card that's going to give you a

855
00:41:08,880 --> 00:41:11,200
Speaker 2: nice sign up bonus. But of course, pay attention to

856
00:41:11,200 --> 00:41:14,040
Speaker 2: the fine print. You often have to spend a minimum

857
00:41:14,080 --> 00:41:16,080
Speaker 2: amount of money to get the bonus, and you don't

858
00:41:16,080 --> 00:41:18,799
Speaker 2: want to spend more than you can afford to pay off,

859
00:41:18,880 --> 00:41:22,120
Speaker 2: So read the fine print and definitely check out a

860
00:41:22,160 --> 00:41:24,960
Speaker 2: card comparison site like I mentioned Magnified Money or credit

861
00:41:24,960 --> 00:41:28,400
Speaker 2: cards dot Com to get the right card for your lifestyle.

862
00:41:29,200 --> 00:41:31,840
Speaker 1: Yeah yeah, so yeah, And we're proud of you continue

863
00:41:31,840 --> 00:41:32,359
Speaker 1: to pay off your.

864
00:41:32,320 --> 00:41:35,680
Speaker 2: Dad child ninety one k. That's nuts. I love that

865
00:41:35,680 --> 00:41:37,680
Speaker 2: they paid off their card too. I'm I was just

866
00:41:37,680 --> 00:41:40,040
Speaker 2: telling my moms today, my card's paid off. My car,

867
00:41:40,160 --> 00:41:42,319
Speaker 2: My car's paid off. It's been paid off forever. I

868
00:41:42,360 --> 00:41:45,640
Speaker 2: love it. It's my baby, even though she's she's struggling

869
00:41:45,719 --> 00:41:49,600
Speaker 2: these days. But yeah, I cardd is my least favorite

870
00:41:49,600 --> 00:41:50,919
Speaker 2: thing in the entire world.

871
00:41:51,719 --> 00:41:55,399
Speaker 1: Yeah, yeah, I just want to say thank you guys

872
00:41:55,400 --> 00:41:58,000
Speaker 1: who were like in the who are sending questions where

873
00:41:58,000 --> 00:42:01,920
Speaker 1: you talk about your getting gig with money my book.

874
00:42:02,200 --> 00:42:04,239
Speaker 1: Just thank you guys so much. Honestly, it has been

875
00:42:04,400 --> 00:42:06,960
Speaker 1: six weeks on the New York Times bestsellers list, which

876
00:42:07,000 --> 00:42:09,200
Speaker 1: is that was supposed.

877
00:42:08,840 --> 00:42:11,719
Speaker 2: To be like a fog worn I know, insane, Tiffany,

878
00:42:12,000 --> 00:42:14,400
Speaker 2: it is insane. I said that the other day to

879
00:42:14,440 --> 00:42:16,279
Speaker 2: someone and I had no reason to talk about it,

880
00:42:16,320 --> 00:42:17,759
Speaker 2: and I'm like, yeah, Tiffany, my co host, she has

881
00:42:17,800 --> 00:42:19,279
Speaker 2: the best selling book. It's been on the best selling

882
00:42:19,280 --> 00:42:20,600
Speaker 2: list for like six weeks.

883
00:42:20,640 --> 00:42:25,960
Speaker 1: I know. It's just crazy, Like literally like, yeah, we

884
00:42:26,000 --> 00:42:28,000
Speaker 1: have sold over fifty thousand copies, so you got to

885
00:42:28,000 --> 00:42:30,160
Speaker 1: get to give all heads up, be sauce since you're

886
00:42:30,440 --> 00:42:33,960
Speaker 1: BA listeners. Actually no, when this comes out, that's actually perfect.

887
00:42:34,640 --> 00:42:36,759
Speaker 1: I am going to be like, because we sold over

888
00:42:36,800 --> 00:42:39,880
Speaker 1: fifty thousand copies, we're gonna do a fifty book giveaway.

889
00:42:39,960 --> 00:42:41,439
Speaker 1: So if you haven't gotten a copy yet, you want

890
00:42:41,440 --> 00:42:44,200
Speaker 1: to win. I'm gonna be posting something on social media

891
00:42:44,239 --> 00:42:47,400
Speaker 1: on Wednesday when the podcast comes out, so follow me

892
00:42:47,440 --> 00:42:51,160
Speaker 1: on Twitter or Instagram in particular, so we'll be giving

893
00:42:51,160 --> 00:42:55,799
Speaker 1: away fifty copies of the book, signed copies, and we'll

894
00:42:55,800 --> 00:42:57,480
Speaker 1: all throw on a budget these to bracelet to go

895
00:42:57,600 --> 00:43:00,359
Speaker 1: with it. And do I.

896
00:43:00,280 --> 00:43:01,960
Speaker 2: Still not have one? I should have just snatched one off.

897
00:43:05,239 --> 00:43:09,960
Speaker 2: I know. That's so funny. And my baby cousin Ariel

898
00:43:10,000 --> 00:43:14,560
Speaker 2: graduated from high school last week. Congratulations, she's so cute.

899
00:43:14,920 --> 00:43:17,080
Speaker 2: I'm gonna give her your book. She probably won't touch

900
00:43:17,120 --> 00:43:20,680
Speaker 2: it for a while. Teenagers, But if you have a

901
00:43:20,719 --> 00:43:23,240
Speaker 2: college grad in your life, come on now, yes.

902
00:43:23,160 --> 00:43:27,000
Speaker 1: Go ahead on why that is the place to go?

903
00:43:27,600 --> 00:43:29,640
Speaker 1: And too well, like the next week, like if you

904
00:43:29,680 --> 00:43:31,320
Speaker 1: have a book club, We're gonna do something special for

905
00:43:31,360 --> 00:43:33,319
Speaker 1: book club. So I take all these videos for y'all.

906
00:43:33,360 --> 00:43:35,080
Speaker 1: So that's coming up soon too.

907
00:43:35,600 --> 00:43:39,319
Speaker 2: Oh exciting the gift that keeps on giving. Get good

908
00:43:39,360 --> 00:43:40,279
Speaker 2: with money dot com y'all.

909
00:43:42,520 --> 00:43:50,800
Speaker 1: And now it's time for booster break for the baly

910
00:43:53,800 --> 00:43:58,160
Speaker 1: is going booth? What what's gonna break? Okay? What you

911
00:43:58,280 --> 00:44:00,560
Speaker 1: going to do? Man? Dy?

912
00:44:00,760 --> 00:44:04,160
Speaker 2: Wow, that really took a turn.

913
00:44:04,719 --> 00:44:05,839
Speaker 1: I'm gonna switch it up.

914
00:44:06,680 --> 00:44:10,280
Speaker 2: That reminds me of that Christmas song. Anyway, I'm gonna boost.

915
00:44:10,480 --> 00:44:15,440
Speaker 2: I'm gonna boost a little known website called mandymoney dot com. No,

916
00:44:16,239 --> 00:44:21,200
Speaker 2: mandymoney dot com. Yes, y'all, I'm like a professional now.

917
00:44:21,200 --> 00:44:23,759
Speaker 2: I have my own website and I built it myself,

918
00:44:23,800 --> 00:44:25,600
Speaker 2: you know, Tiffany. I like to get down and do

919
00:44:25,600 --> 00:44:28,319
Speaker 2: do things the internet type things. Taught myself at a

920
00:44:28,360 --> 00:44:30,600
Speaker 2: podcast and I was like, I can build a website.

921
00:44:30,800 --> 00:44:33,680
Speaker 2: So I got me a little Squarespace account and I

922
00:44:33,840 --> 00:44:37,200
Speaker 2: have been. I've really enjoyed the I forgot how creative

923
00:44:37,200 --> 00:44:39,960
Speaker 2: I am, and I love like putting the site together

924
00:44:40,239 --> 00:44:42,600
Speaker 2: and getting to use all the amazing photos. We just

925
00:44:42,640 --> 00:44:44,279
Speaker 2: got some new pictures that we can't wait to share

926
00:44:44,280 --> 00:44:46,760
Speaker 2: with y'all, getting to use some new photos and really

927
00:44:46,840 --> 00:44:50,520
Speaker 2: just it's it's had me looking back on my career

928
00:44:50,560 --> 00:44:52,719
Speaker 2: and being like, oh damn, I did that, and that

929
00:44:52,920 --> 00:44:54,919
Speaker 2: this is great and it's been really fun to walk

930
00:44:54,920 --> 00:44:58,640
Speaker 2: down memory lane. And I don't know exactly you know

931
00:44:58,680 --> 00:45:00,719
Speaker 2: what will come from it, but it's it's been. It

932
00:45:00,800 --> 00:45:03,040
Speaker 2: feels it feels right to kind of have a home

933
00:45:03,280 --> 00:45:06,600
Speaker 2: to highlight my career and highlight what I do. So

934
00:45:06,680 --> 00:45:08,359
Speaker 2: check it out mandymoney dot com.

935
00:45:09,320 --> 00:45:15,760
Speaker 1: Well on here maybe with right now. Maybe first of all,

936
00:45:15,840 --> 00:45:17,280
Speaker 1: you built this looks great.

937
00:45:17,640 --> 00:45:18,799
Speaker 2: I did that. I did it.

938
00:45:18,840 --> 00:45:22,000
Speaker 1: Christ's cute. Many pop your curls is poppy.

939
00:45:23,440 --> 00:45:24,400
Speaker 2: Yeah, I'm excited.

940
00:45:24,680 --> 00:45:27,040
Speaker 1: No, first of all, yes it's super cute because I

941
00:45:27,080 --> 00:45:30,480
Speaker 1: love these curls. But actually it just looks like really good.

942
00:45:30,560 --> 00:45:31,960
Speaker 1: I can't belive you built this yourself.

943
00:45:32,600 --> 00:45:35,319
Speaker 2: You know I do. I do some things, so I've

944
00:45:35,320 --> 00:45:37,800
Speaker 2: been doing that. I taught myself how to use TikTok.

945
00:45:38,480 --> 00:45:42,520
Speaker 2: I'm I'm creating, I'm telling stories, I'm getting I'm really

946
00:45:42,680 --> 00:45:46,560
Speaker 2: just taking time to get back to what has always

947
00:45:46,560 --> 00:45:48,960
Speaker 2: made me happy, why I started to be a journalist

948
00:45:49,000 --> 00:45:51,239
Speaker 2: and why you know, I launched the podcast and it

949
00:45:51,280 --> 00:45:53,400
Speaker 2: feels good. So check it out. Let me know if

950
00:45:53,400 --> 00:45:56,320
Speaker 2: you have any tips or pointers, maybe follow me on Instagram.

951
00:45:56,320 --> 00:45:57,560
Speaker 2: I'm also at Mandy Money.

952
00:45:57,680 --> 00:46:00,440
Speaker 1: Yes you are, it says Mandy is relent is a

953
00:46:00,520 --> 00:46:05,680
Speaker 1: relentless advocate for your financial well being before a girl,

954
00:46:05,680 --> 00:46:07,239
Speaker 1: I don't know what prots using your hair because these

955
00:46:07,280 --> 00:46:08,080
Speaker 1: curls is everything.

956
00:46:08,480 --> 00:46:10,360
Speaker 2: Okay, that's a c Let me just tell you. That

957
00:46:10,480 --> 00:46:12,560
Speaker 2: is a curling iron and her name is Stacy. No,

958
00:46:13,280 --> 00:46:16,360
Speaker 2: those are not Yes, those are at sea. I was like, Stacy,

959
00:46:16,520 --> 00:46:19,520
Speaker 2: this is we're selling a lie to America. You do

960
00:46:19,600 --> 00:46:22,239
Speaker 2: not wake up like this Stacey individually curled each one

961
00:46:22,280 --> 00:46:24,280
Speaker 2: of them strands, and then I started thinking about man

962
00:46:24,440 --> 00:46:26,840
Speaker 2: Hillary from Fresh Prince. That was not her natural No,

963
00:46:27,160 --> 00:46:30,200
Speaker 2: that was curling irons too. Yeah, She's like, well, you know,

964
00:46:30,280 --> 00:46:33,240
Speaker 2: for photos, we should really use the curling iron. Anyway,

965
00:46:33,440 --> 00:46:35,600
Speaker 2: That's that's that secret. Let me just let me just

966
00:46:35,840 --> 00:46:38,040
Speaker 2: tell your curly hair girls out there, there's no tutorial.

967
00:46:38,480 --> 00:46:40,600
Speaker 2: It is literally do you have two hours and a

968
00:46:40,640 --> 00:46:41,799
Speaker 2: teeny tiny curling iron?

969
00:46:42,200 --> 00:46:45,000
Speaker 1: No, no, I'm not, but honestly, you look it looks

970
00:46:45,040 --> 00:46:48,840
Speaker 1: awesome and haven't really parade of you.

971
00:46:49,520 --> 00:46:50,160
Speaker 2: Thank you.

972
00:46:51,880 --> 00:46:58,160
Speaker 1: I think I'm gonna I gotta boost so I cannot

973
00:46:58,200 --> 00:47:04,279
Speaker 1: wait because I'll be taking myself six weeks off and

974
00:47:04,560 --> 00:47:07,160
Speaker 1: I don't know, I am really excited. So I'm like

975
00:47:07,239 --> 00:47:09,520
Speaker 1: planning now, Like okay, So I think I want to

976
00:47:10,600 --> 00:47:12,280
Speaker 1: I'm trying to figure because you know, I'm doing IVF,

977
00:47:12,320 --> 00:47:14,360
Speaker 1: so I have to be within like an hour's drive.

978
00:47:14,680 --> 00:47:17,080
Speaker 1: So I think I'm gonna spend at least one week

979
00:47:17,120 --> 00:47:20,040
Speaker 1: by this place called Avon by the Sea because it's

980
00:47:20,120 --> 00:47:23,000
Speaker 1: like it's basically the shore, but within an hour, within

981
00:47:23,040 --> 00:47:25,719
Speaker 1: an hour's drive of Newark. And so I'm thinking I'm

982
00:47:25,719 --> 00:47:27,919
Speaker 1: gonna spend like a week or so there. I'm still

983
00:47:27,960 --> 00:47:30,720
Speaker 1: trying to like kind of gather places, so I would

984
00:47:30,760 --> 00:47:34,839
Speaker 1: love you guys want to send me some suggestions that

985
00:47:34,920 --> 00:47:40,200
Speaker 1: are like Jersey even. Here's the thing. On the weekends,

986
00:47:40,200 --> 00:47:43,040
Speaker 1: I can take longer trips because I usually don't go

987
00:47:43,080 --> 00:47:45,040
Speaker 1: to the IVF doctor on the weekend. So the way

988
00:47:45,080 --> 00:47:47,600
Speaker 1: it works with the IVF is that when you're doing

989
00:47:47,760 --> 00:47:49,720
Speaker 1: like you know, IVF, sometimes you go to the doctor

990
00:47:49,760 --> 00:47:51,480
Speaker 1: literally every other morning because you have to take a

991
00:47:51,520 --> 00:47:53,760
Speaker 1: blood test and the scan, which is just them putting

992
00:47:54,320 --> 00:47:57,880
Speaker 1: a thing up here vagina and saying looks good in here.

993
00:47:57,239 --> 00:47:59,040
Speaker 2: Like every other day, Oh black girl.

994
00:47:59,440 --> 00:48:01,600
Speaker 1: It's a part I could be lex cock, like, hey, doc,

995
00:48:03,760 --> 00:48:04,359
Speaker 1: I just.

996
00:48:04,320 --> 00:48:06,319
Speaker 2: Pulled through the drive through with the mini skirt and

997
00:48:06,400 --> 00:48:08,479
Speaker 2: just like hey, our.

998
00:48:08,440 --> 00:48:12,960
Speaker 1: Actions and so like I just so yeah, but it's

999
00:48:13,000 --> 00:48:15,120
Speaker 1: really like, you know, it's just you're going all the

1000
00:48:15,120 --> 00:48:18,520
Speaker 1: time and so but usually like like I never really

1001
00:48:18,520 --> 00:48:20,560
Speaker 1: go on the weekends. So if there is like I'm

1002
00:48:20,600 --> 00:48:22,360
Speaker 1: thinking of maybe doing like a Philly trip where I

1003
00:48:22,360 --> 00:48:24,200
Speaker 1: can stay the weekend over, you know. So I'm trying

1004
00:48:24,200 --> 00:48:26,960
Speaker 1: to figure out like yeah, so I'm like I live

1005
00:48:26,960 --> 00:48:30,200
Speaker 1: in Jersey, So if you think of like anything one

1006
00:48:30,320 --> 00:48:32,359
Speaker 1: then maybe I can do an extended weekend on because

1007
00:48:32,360 --> 00:48:34,239
Speaker 1: I could leave like Friday and come back Sunday. Or

1008
00:48:34,239 --> 00:48:36,640
Speaker 1: if I don't have a doctor's appointment on Monday, then

1009
00:48:36,640 --> 00:48:40,359
Speaker 1: I can say even longer, or you know, something that's

1010
00:48:40,400 --> 00:48:43,919
Speaker 1: within an hour's drive, because if I, like, for example, Eve,

1011
00:48:43,960 --> 00:48:45,560
Speaker 1: I'm by the sea, it's like forty five minutes to

1012
00:48:45,640 --> 00:48:47,520
Speaker 1: an hour away. So if I had to go to

1013
00:48:47,600 --> 00:48:50,120
Speaker 1: the doctor, I could drive to the doctor and still

1014
00:48:50,200 --> 00:48:52,560
Speaker 1: go back to my beach house. You know that I've

1015
00:48:52,560 --> 00:48:54,239
Speaker 1: rented it because like one of my in rush works,

1016
00:48:54,280 --> 00:48:55,759
Speaker 1: I'm literally when I say I'm not doing any work,

1017
00:48:55,760 --> 00:48:59,840
Speaker 1: I'm not doing not nan bit of work. I am reading,

1018
00:49:00,120 --> 00:49:02,200
Speaker 1: I'm gonna be crocheting, I'm going to be walking along

1019
00:49:02,239 --> 00:49:04,400
Speaker 1: the beach and be listening to podcasts. I'm going to

1020
00:49:04,440 --> 00:49:06,680
Speaker 1: be eating. Yeah, I'm going to be talking to my

1021
00:49:06,719 --> 00:49:08,680
Speaker 1: friends on the phone and hanging out like I'm not.

1022
00:49:09,200 --> 00:49:11,160
Speaker 1: I told them only hit me up if opor or

1023
00:49:11,200 --> 00:49:13,960
Speaker 1: Michelle Obama calls say.

1024
00:49:14,880 --> 00:49:17,520
Speaker 2: That's a good that's a good out of office message.

1025
00:49:17,600 --> 00:49:21,000
Speaker 1: Yes, And I'm also taking a break from social media.

1026
00:49:21,760 --> 00:49:24,839
Speaker 1: So because I'm like, you know what, so six weeks away,

1027
00:49:24,880 --> 00:49:27,480
Speaker 1: like you'll still see posting because it'll be my team.

1028
00:49:27,760 --> 00:49:30,960
Speaker 1: But like I because I don't know that I can

1029
00:49:31,000 --> 00:49:33,359
Speaker 1: truly take a break if I'm on social media because

1030
00:49:33,360 --> 00:49:35,240
Speaker 1: so much of my social media is wrapped up in business,

1031
00:49:35,280 --> 00:49:37,439
Speaker 1: you know. Yeah, so because I know me, I'll see

1032
00:49:37,440 --> 00:49:40,200
Speaker 1: something like ooh, logan, can you change that caption? It

1033
00:49:40,239 --> 00:49:42,279
Speaker 1: could be spicier, and I'm like, grab now, we're not

1034
00:49:42,320 --> 00:49:47,280
Speaker 1: doing that. So no social media, you know, no, no email,

1035
00:49:47,719 --> 00:49:51,360
Speaker 1: no nothing, just like a reset and really just like

1036
00:49:51,400 --> 00:49:53,239
Speaker 1: I want to reconnect and the side like you no,

1037
00:49:53,600 --> 00:49:55,520
Speaker 1: like what do I want to do next? I have

1038
00:49:55,640 --> 00:49:58,480
Speaker 1: so many opportunities that are kind of floating in the

1039
00:49:58,520 --> 00:50:01,480
Speaker 1: air and just deciding like what what direction to go into?

1040
00:50:01,480 --> 00:50:03,960
Speaker 1: So I'm excited about that, but I welcome your suggestions.

1041
00:50:04,400 --> 00:50:07,360
Speaker 1: I live in Newark, so if you're like, ooh, girl,

1042
00:50:07,440 --> 00:50:10,000
Speaker 1: we stayed here and it was only an even an

1043
00:50:10,040 --> 00:50:11,840
Speaker 1: hour and a half, where I wouldn't mind, you know,

1044
00:50:12,000 --> 00:50:14,000
Speaker 1: So like just you know, I'm just looking for like

1045
00:50:14,040 --> 00:50:16,719
Speaker 1: suggestions and ideas because I'm literally putting together the plan

1046
00:50:16,840 --> 00:50:19,440
Speaker 1: right now because I don't want to go into the

1047
00:50:19,480 --> 00:50:22,000
Speaker 1: six weeks and I haven't kind of decided what I'm

1048
00:50:22,000 --> 00:50:24,000
Speaker 1: gonna do or else. It's just gonna like slip away.

1049
00:50:24,000 --> 00:50:25,360
Speaker 1: And I'm like, I didn't do anything.

1050
00:50:25,680 --> 00:50:30,080
Speaker 2: You know, You're exactly like me when it comes to downtime, like, so,

1051
00:50:30,160 --> 00:50:33,799
Speaker 2: what's the plan for relaxing? Exactly? I need my to

1052
00:50:33,880 --> 00:50:36,759
Speaker 2: do list for fun. My therapist is like, why don't

1053
00:50:36,760 --> 00:50:37,560
Speaker 2: you just do nothing?

1054
00:50:37,760 --> 00:50:37,880
Speaker 1: Now?

1055
00:50:38,000 --> 00:50:41,240
Speaker 2: I don't understand. That's a waste of time.

1056
00:50:41,360 --> 00:50:43,840
Speaker 1: I don't want to, like I know me, I don't.

1057
00:50:44,640 --> 00:50:47,120
Speaker 1: I don't want to like not go someplace and like

1058
00:50:47,560 --> 00:50:49,239
Speaker 1: you know what I mean, because I'll be like, oh wait,

1059
00:50:49,280 --> 00:50:51,480
Speaker 1: I want to go that everything's booked, So I'm just like, yeah,

1060
00:50:51,520 --> 00:50:55,240
Speaker 1: at least I would like at least three different outings,

1061
00:50:55,280 --> 00:50:57,520
Speaker 1: one that's a week long and maybe two weekend outings.

1062
00:50:57,600 --> 00:50:57,759
Speaker 1: You know.

1063
00:50:58,000 --> 00:51:02,520
Speaker 2: So, yeah, you, I'm so excited for you. I'll miss

1064
00:51:02,560 --> 00:51:05,480
Speaker 2: you those six weeks. But we will have some fun

1065
00:51:05,520 --> 00:51:07,640
Speaker 2: co hosts on the show joining us. But hopefully we

1066
00:51:07,680 --> 00:51:11,440
Speaker 2: can start announcing soon. I guess that's coming up. So

1067
00:51:11,480 --> 00:51:13,520
Speaker 2: next week will be your last show, I.

1068
00:51:13,600 --> 00:51:17,960
Speaker 1: Believe so well. I actually the because I'm really done,

1069
00:51:17,960 --> 00:51:20,319
Speaker 1: like well, yeah, I mean I'm trying to decide if

1070
00:51:20,360 --> 00:51:22,040
Speaker 1: I'm gonna take that Monday because it's the thirty first.

1071
00:51:22,080 --> 00:51:23,759
Speaker 1: I said, like the first, but I'm kind of.

1072
00:51:25,680 --> 00:51:27,759
Speaker 2: So, I don't think we have a co host said,

1073
00:51:27,840 --> 00:51:30,080
Speaker 2: so you should probably come down and then you can

1074
00:51:30,080 --> 00:51:34,400
Speaker 2: be done. Okay, yeah, all right, awesome. Well this was

1075
00:51:34,440 --> 00:51:38,719
Speaker 2: a fun show. It was excited for your your time off.

1076
00:51:39,239 --> 00:51:41,680
Speaker 2: I hope Michelle, I do hope she calls you. But

1077
00:51:41,719 --> 00:51:43,520
Speaker 2: also I'm like, can you wait until.

1078
00:51:44,960 --> 00:51:46,560
Speaker 1: But I will say Oprah did reach out. We're not

1079
00:51:46,560 --> 00:51:48,840
Speaker 1: Oprah her own. I'm gonna be taking my first flight

1080
00:51:49,040 --> 00:51:50,719
Speaker 1: this Fridays. I'm taping something for own.

1081
00:51:50,800 --> 00:51:53,640
Speaker 2: So that's Oh my god, you're one. I'm telling you,

1082
00:51:53,640 --> 00:51:57,360
Speaker 2: you're one stone way from Lady Oh. You're gonna be

1083
00:51:57,360 --> 00:51:59,640
Speaker 2: on her patio in Santa Barbara doing some kind of interview.

1084
00:51:59,680 --> 00:52:00,200
Speaker 2: I don't know what.

1085
00:52:01,040 --> 00:52:03,600
Speaker 1: So Sunday, it's on Super So Sundays on my so

1086
00:52:03,719 --> 00:52:04,560
Speaker 1: my vision board.

1087
00:52:05,960 --> 00:52:09,200
Speaker 2: Love it. All right, girl, We'll have a good rest

1088
00:52:09,239 --> 00:52:12,400
Speaker 2: of your week and we will see y'all next week.

1089
00:52:12,840 --> 00:52:30,239
Speaker 2: Bye bye bye