WEBVTT - How Do You Make a Unicorn Culture?

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<v Speaker 1>And now onto our show. Hey, hey, hey, we're back.

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<v Speaker 1>We're black, We're bred. Welcome black Man.

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<v Speaker 2>Traw Hey, happy Brandon Ambition Wednesday.

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<v Speaker 1>Hey how are yeah?

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<v Speaker 2>Oh you know, maskless and feeling fancy free. I'm just kidding,

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<v Speaker 2>never taking noopopop up up up up nupe. I actually

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<v Speaker 2>turned back around and forgot a mask today. I was

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<v Speaker 2>going to Target. And I don't really understand the new

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<v Speaker 2>CDC guidelines. Even though they say that if you're vaccinated

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<v Speaker 2>you don't need to wear masks indoors anymore, I'm still

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<v Speaker 2>afraid that a business is like gonna kick me out

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<v Speaker 2>for not having one. It's all very We're in this

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<v Speaker 2>weird kind of transitional period. I think where the lines

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<v Speaker 2>are just kind of blurry, and but honestly, for my

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<v Speaker 2>own safety, I know people are out there being nasty

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<v Speaker 2>and like, how do you know if someone's vaccinated or not.

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<v Speaker 2>I'm not going to ask, so I will be masking

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<v Speaker 2>up until the end of the world. I don't know

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<v Speaker 2>how do we go back now?

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<v Speaker 1>I know, I don't even know that we can. I

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<v Speaker 1>don't even know honestly. I mean, I got my first shot,

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<v Speaker 1>and I get my second one in a couple of weeks.

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<v Speaker 1>And even still, I did it because I was just like,

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<v Speaker 1>you know, I see my parents more and more and

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<v Speaker 1>my dad is almost eighty. I'm just like, you know what,

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<v Speaker 1>I just get nervous, you know.

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<v Speaker 2>So yeah, I will say to our listeners if you're

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<v Speaker 2>if you're wondering whether or not you should get the vaccine.

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<v Speaker 2>Even still, I was talking to a friend of mine

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<v Speaker 2>and I was I was really surprised that she said

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<v Speaker 2>that she wasn't going to get vaccinated and she's not

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<v Speaker 2>even she's like, you know, late thirties, and she said,

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<v Speaker 2>I'm just going to see if y'all, you know, end

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<v Speaker 2>up growing.

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<v Speaker 1>Tech literally what Superman said, because he's not getting vaccined.

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<v Speaker 1>He's like, yeah, he said, what if we turn into zombies?

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<v Speaker 1>What if they flip the switch we all become zombies.

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<v Speaker 1>I said, well we'll be in zombie love.

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<v Speaker 2>Oh man.

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<v Speaker 1>Yeah.

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<v Speaker 2>I mean it's definitely a personal choice. It's you know,

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<v Speaker 2>it's a personal choice. But I do feel like I

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<v Speaker 2>get really nervous about the future of I mean, my

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<v Speaker 2>existential crisis is like if we don't like just get

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<v Speaker 2>a vaccination for each other and put on a damn

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<v Speaker 2>mask for each other, like we it's not love thy

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<v Speaker 2>neighbor up in this country sometimes, like it's not even

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<v Speaker 2>about sometimes your personal comfort level. It's just kind of

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<v Speaker 2>putting other people before you. Not that I don't think

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<v Speaker 2>people who don't get vaccinated are all doing it for

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<v Speaker 2>selfish reasons, but it's almost like I want to talk

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<v Speaker 2>to a lot a lot of people and just hear,

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<v Speaker 2>you know, why aren't you getting vaccinated? What is it

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<v Speaker 2>about it?

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<v Speaker 1>Maybe I'm just to herd like I get it because

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<v Speaker 1>people are like, well, how do I know what's in it?

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<v Speaker 1>How do I know I'm gonna be okay? That's like

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<v Speaker 1>I know Superman's biggest worry and so like, yeah, so

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<v Speaker 1>I can understand. I guess I think what will happen

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<v Speaker 1>is as more people get vaccinated and you know, there's

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<v Speaker 1>not whatever scary ramification, then people will be like, Okay,

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<v Speaker 1>let me go ahead and do.

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<v Speaker 2>That, you know, yeah, just waiting for more time to

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<v Speaker 2>go buy. I do think for myself it was such

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<v Speaker 2>an easy of course, Like I was just desperate for

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<v Speaker 2>the for the end of this insanity, just for a

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<v Speaker 2>silver lining. And I have been there is this like

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<v Speaker 2>a little bit of euphoria, you know. I took I

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<v Speaker 2>took Rio to the grocery store for the first time

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<v Speaker 2>in his life a couple of weeks ago, and just

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<v Speaker 2>that sense of normalcy. It's it was I love going

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<v Speaker 2>to the store with him now. We never really got

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<v Speaker 2>to do that. He's such a quarantine baby. Or the

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<v Speaker 2>playground or we went to the zoo and he touched

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<v Speaker 2>stuff and like I wasn't you know, it makes me

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<v Speaker 2>I'm loving this new I guess, this new New Year,

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<v Speaker 2>it feels like but for babies. Yeah, it's that's going

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<v Speaker 2>to be the part where I start to really really

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<v Speaker 2>really really read the science, you know, around how the

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<v Speaker 2>littles are are reacting to it. But at the very

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<v Speaker 2>least masking up until further notice. But yeah, shouts out

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<v Speaker 2>to the CDC. But my trust level for Americans is

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<v Speaker 2>not quite there right now, America, America. What else is

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<v Speaker 2>going on?

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<v Speaker 1>So I feel like such a grown up, so well

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<v Speaker 1>grown up in business. So I am like so many businesses,

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<v Speaker 1>you know, you have like contractors forever and ever and ever.

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<v Speaker 1>So recently I've been wanting to do this, but it's

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<v Speaker 1>expensive to switch people from contractor to employees. So now

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<v Speaker 1>we officially have seventeen employees, fifteen of which are wait

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<v Speaker 1>fifteen twelve of which are full time, and five are

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<v Speaker 1>which are part time. And so the difference between like

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<v Speaker 1>you know, contractor employee employee, you know, you know they

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<v Speaker 1>you know, you work a set hour, set of hours.

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<v Speaker 1>You there's a certain set of parameters. But if you're

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<v Speaker 1>a contractor, basically you get hired for a project and

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<v Speaker 1>you get it done whenever you get it done. But

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<v Speaker 1>we're not your only client that you don't live and

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<v Speaker 1>die by us, you know. But so many businesses when

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<v Speaker 1>they start, they can't afford to have employees because with

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<v Speaker 1>employee you have to pay like payroll tax, you have

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<v Speaker 1>to provide some sort of like you know some you know,

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<v Speaker 1>some kind of insurance. There's all these expenses that make

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<v Speaker 1>like if I'm going to pay you as an employee,

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<v Speaker 1>say like one hundred thousand dollars, it could be like

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<v Speaker 1>an addition a few tens of thousand of dollars to

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<v Speaker 1>also pay for additional things on top of what it

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<v Speaker 1>costs to have you as an employee for your pay.

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<v Speaker 1>So as a result, so many people have a hard

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<v Speaker 1>time getting actual employees. Yeah, but I'm just really proc

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<v Speaker 1>because I'm like done to Dada. It's been something we've

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<v Speaker 1>been working on for a long time, and I was like,

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<v Speaker 1>we have employees, not just that, but because one of

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<v Speaker 1>our we really want to thank the employees that are here,

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<v Speaker 1>so you know, the ones that are here, Like if

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<v Speaker 1>you if you come brand new, like next year, it's different.

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<v Speaker 1>But for the ones you know that have been that

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<v Speaker 1>are currently employees and make the switch over, we're paying

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<v Speaker 1>one hundred percent for their health insurance, dental, medical, as

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<v Speaker 1>well as vision. And everyone has a four win K

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<v Speaker 1>and we have a matching program. So I well, I

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<v Speaker 1>don't know how much it is. So this is how

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<v Speaker 1>the matching program.

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<v Speaker 2>Works for us.

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<v Speaker 1>Okay, It's like what happens because we used to do

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<v Speaker 1>bonuses at the end of the year. So basically we

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<v Speaker 1>kind of see like what happens at the end of

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<v Speaker 1>the year profit loss, Like we made this much, we

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<v Speaker 1>spent this much. Hey, there's money left over. So with

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<v Speaker 1>that money left over, that's what we're going to put

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<v Speaker 1>into the match, Like, you know, we've got enough to

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<v Speaker 1>match you at three percent, great enough to match you

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<v Speaker 1>with you know, ten percent whatever that looks like, we're

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<v Speaker 1>gonna use that kind of like instead of doing bonuses,

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<v Speaker 1>we'll do matches.

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<v Speaker 2>Yeah, so you're not going to need HR and we

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<v Speaker 2>do and we.

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<v Speaker 1>Have an HR eight. Can you imagine like what Yeah,

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<v Speaker 1>shout out to daphneed girl. Yes, honestly, Mandy, I feel

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<v Speaker 1>the twenty twenty was both a great and hard year

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<v Speaker 1>for business because although we were kind of like growing,

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<v Speaker 1>we were also like there are pieces of the business

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<v Speaker 1>that were crumbling because you cannot operate the same way

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<v Speaker 1>as you grow in business, and so we were trying

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<v Speaker 1>to hold on and it was like, no, girl, you

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<v Speaker 1>have to like, you're the reason why it's crumbling is

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<v Speaker 1>because you're outgrowing this way of doing business. You have

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<v Speaker 1>to switch over to official employees. You have to have

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<v Speaker 1>benefits you have to have for you know, like retirement plans,

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<v Speaker 1>you have to you know, you have to have hr

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<v Speaker 1>you have so like literally twenty twenty twenty and twenty

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<v Speaker 1>twenty one, that's what we've been really working on. We

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<v Speaker 1>have slowed down like our growth as far as like

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<v Speaker 1>income growth, and focused the majority of our energy to

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<v Speaker 1>foundational growth, which has been awesome because now we've got

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<v Speaker 1>this strong foundation. Like we had to redo the way

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<v Speaker 1>we did our taxes and read. There was just so

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<v Speaker 1>many foundational things that we were kind of like, oh,

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<v Speaker 1>we'll do it later, we'll do later, and it's like

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<v Speaker 1>no later, it is now. And now we are like

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<v Speaker 1>so strong as a result, like we're like a company

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<v Speaker 1>company even though you know we've been here for some time.

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<v Speaker 1>When you'd be I promise you you'd be surprised how

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<v Speaker 1>many of your you know, fave small business owners are

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<v Speaker 1>like yeah, one day girl employees. Because it's hard, you know.

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<v Speaker 2>It's not cheap worse yeah, and you know, not cheap.

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<v Speaker 1>Like I'll say, like for example, just for it, just

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<v Speaker 1>for the plan that we chose for it costs us

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<v Speaker 1>almost like oh maybe a little under two hundred thousand

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<v Speaker 1>dollars for my health insurance package. Think about that right

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<v Speaker 1>for the company, for like my employees, and then think

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<v Speaker 1>about like we're not even including payroll tax. We're not

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<v Speaker 1>even including you see what I mean. Like it's just

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<v Speaker 1>really expensive and so it's just not something that's easily done.

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<v Speaker 1>So the fact that it's done, and it's done in

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<v Speaker 1>a way that because we've been saving for it, like

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<v Speaker 1>this is something I'm like, oh, this is what I'm wanting.

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<v Speaker 1>So we save like almost double what we needed so

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<v Speaker 1>we could be like really secure. I just felt really

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<v Speaker 1>proud of like how hard the team work you've been

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<v Speaker 1>having like hr meetings, Like it's just been in just

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<v Speaker 1>to say, hey, for those of you who are here now,

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<v Speaker 1>as a thank you for putting in so much work

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<v Speaker 1>to build this business alongside of me. Like all of

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<v Speaker 1>your health insurance you don't have to come out of pocket,

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<v Speaker 1>like the company takes care of them for you. It's

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<v Speaker 1>not going to reduce because that was one of the worries.

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<v Speaker 1>It's like, eh, you know, because when you're a contractor,

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<v Speaker 1>you get all your money. If you make a hundred thousand,

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<v Speaker 1>you get a hundred thousand, then pay your own taxes,

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<v Speaker 1>but here you know your money is going to be

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<v Speaker 1>reduced because the government takes your taxes out of your paycheck.

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<v Speaker 1>And I didn't want to also take your insurance out

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<v Speaker 1>of your paycheck as well, So I'm like, no, we

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<v Speaker 1>will cover that, you know. So it just feels really

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<v Speaker 1>good to be like like like yeah, our staff is

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<v Speaker 1>just like wait what, So it just feels it feels awesome.

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<v Speaker 1>I feel like a big girl in business.

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<v Speaker 2>I'm so proud of you. I know that. I know

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<v Speaker 2>that office spaces are just have gone the way of

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<v Speaker 2>the Dodo bird these days. But I mean as the

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<v Speaker 2>budget needs to office ever in the future, No, for real.

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<v Speaker 1>Because honestly, I at what I love is because we're

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<v Speaker 1>all digital. The transition to like digital was like, I

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<v Speaker 1>won't say easy, because there are so many of the

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<v Speaker 1>people on our staff are women, so and many of

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<v Speaker 1>the women have kids at home, so that part was

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<v Speaker 1>definitely challenging. But as far as like, you know, people

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<v Speaker 1>are like, well, how do you get people motivated when

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<v Speaker 1>they're not in the office. Well, we've been doing that

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<v Speaker 1>for the I mean we've never had office so we

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<v Speaker 1>figured out that energy and that vibe and how to

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<v Speaker 1>trust people and I don't sweat people. And I'm like, girl,

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<v Speaker 1>it's okay for you to take the meeting at the park.

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<v Speaker 1>Why are you pushing the baby on the swing? You

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<v Speaker 1>can hear me, I can hear you.

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<v Speaker 2>Right, okay girl?

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<v Speaker 1>Yeah?

0:10:58.760 --> 0:11:00.960
<v Speaker 2>Did you see that quote from that we work ceo?

0:11:01.640 --> 0:11:03.679
<v Speaker 2>It was in the journal. I don't know when it

0:11:03.720 --> 0:11:06.440
<v Speaker 2>was last week or some I don't know. My blood

0:11:06.480 --> 0:11:10.240
<v Speaker 2>my blood was boiling, he was quoted in the journal.

0:11:10.320 --> 0:11:11.680
<v Speaker 2>I don't have it right in front of me, but

0:11:12.200 --> 0:11:14.440
<v Speaker 2>I'll track it down. He was quoted in the journalist saying,

0:11:14.480 --> 0:11:16.680
<v Speaker 2>if you really want to see who your most dedicated

0:11:16.679 --> 0:11:20.319
<v Speaker 2>employees are, see who's eager to come back to the office.

0:11:20.760 --> 0:11:22.840
<v Speaker 1>There has nothing to do anything right.

0:11:23.200 --> 0:11:26.400
<v Speaker 2>And I mean the reason why blood was boiling is

0:11:26.440 --> 0:11:31.440
<v Speaker 2>because in one sentence, one sentence, this man just proved

0:11:31.679 --> 0:11:36.680
<v Speaker 2>why women it's just never gonna if what we're striving

0:11:36.720 --> 0:11:39.560
<v Speaker 2>for is to succeed in this world, the world where

0:11:39.679 --> 0:11:43.240
<v Speaker 2>people like that become CEO, and let's not you know,

0:11:43.400 --> 0:11:47.480
<v Speaker 2>let's not lie. Pretend like the majority of CEOs and

0:11:47.720 --> 0:11:50.679
<v Speaker 2>in executive level positions are held by men, and especially

0:11:50.679 --> 0:11:52.960
<v Speaker 2>white men. How are we supposed to exist in a

0:11:53.040 --> 0:11:55.040
<v Speaker 2>role where that is how they think of it. Your

0:11:55.080 --> 0:11:57.880
<v Speaker 2>dedication is who's willing to schlep to the office. That's

0:11:57.880 --> 0:12:01.800
<v Speaker 2>how dedicated. And it makes it seem like people who

0:12:01.840 --> 0:12:06.120
<v Speaker 2>work from home for reasons such as work life balance

0:12:06.480 --> 0:12:09.800
<v Speaker 2>to just have some semblance of sanity, you know, to

0:12:09.800 --> 0:12:12.560
<v Speaker 2>not be sitting in a car or on a train

0:12:12.640 --> 0:12:15.160
<v Speaker 2>commuting to and from work, you know, to be doing

0:12:15.200 --> 0:12:18.079
<v Speaker 2>it so that they can spend more time with their family,

0:12:18.160 --> 0:12:21.040
<v Speaker 2>or for whatever reason, just because it makes them more productive.

0:12:21.120 --> 0:12:26.240
<v Speaker 2>Even it just pissed me off because he is completely

0:12:26.360 --> 0:12:29.280
<v Speaker 2>proof positive that there's still that line of thinking out there,

0:12:29.320 --> 0:12:31.240
<v Speaker 2>no matter how much some companies want to say that

0:12:31.280 --> 0:12:34.600
<v Speaker 2>they support working moms and working parents and blah blah blah,

0:12:34.720 --> 0:12:36.680
<v Speaker 2>it was clear that it was maybe for a season

0:12:36.720 --> 0:12:39.280
<v Speaker 2>for a lot of people, and for people who who

0:12:39.400 --> 0:12:41.520
<v Speaker 2>don't want to go back to work. Are you going

0:12:41.559 --> 0:12:44.320
<v Speaker 2>to be like, is there going to be unconscious biased

0:12:44.360 --> 0:12:46.839
<v Speaker 2>against you. Are people going to be thinking that, oh,

0:12:46.880 --> 0:12:49.200
<v Speaker 2>you're just not as dedicated, Because that, to me is

0:12:49.200 --> 0:12:52.800
<v Speaker 2>a load of bullshit. And as someone who used to

0:12:52.840 --> 0:12:55.480
<v Speaker 2>be a complete I liked going to the office. I

0:12:55.559 --> 0:12:56.920
<v Speaker 2>like taking my little cup, I like to get my

0:12:57.000 --> 0:12:59.720
<v Speaker 2>latte at my favorite coffee shop and going for walks

0:12:59.720 --> 0:13:02.719
<v Speaker 2>and shooting the breeze with my coworkers. All that I

0:13:02.760 --> 0:13:06.199
<v Speaker 2>thought I was more productive at work. I love working

0:13:06.200 --> 0:13:08.320
<v Speaker 2>from home now. And I was just on the phone

0:13:08.360 --> 0:13:10.200
<v Speaker 2>the other day with someone and they were like, do

0:13:10.240 --> 0:13:11.800
<v Speaker 2>you think you'll ever work in an office again? And

0:13:11.840 --> 0:13:15.480
<v Speaker 2>I'm just like, I don't. It doesn't appeal to me

0:13:15.800 --> 0:13:18.800
<v Speaker 2>in any way. And I don't think that it says

0:13:18.840 --> 0:13:23.439
<v Speaker 2>anything about someone's dedication or their talent or their worthiness

0:13:23.960 --> 0:13:25.680
<v Speaker 2>if they don't want to go back to an office.

0:13:25.840 --> 0:13:27.559
<v Speaker 2>It was completely acidine.

0:13:27.600 --> 0:13:29.920
<v Speaker 1>It doesn't. And honestly, that is the way of Like,

0:13:30.080 --> 0:13:35.240
<v Speaker 1>here's the thing. What's so awesome is you get to

0:13:35.280 --> 0:13:38.719
<v Speaker 1>see people destroy their own industry and companies they're in.

0:13:38.840 --> 0:13:42.040
<v Speaker 1>I'm like, keep talking like the idiot that you are, Like, honestly,

0:13:42.080 --> 0:13:43.240
<v Speaker 1>we work. I'm sorry, I don't.

0:13:43.840 --> 0:13:45.280
<v Speaker 2>We've all I mean, but let's se they're a real

0:13:45.360 --> 0:13:46.800
<v Speaker 2>estate company at the end of the day, so of

0:13:46.800 --> 0:13:50.000
<v Speaker 2>course they want offices to be reopened. So think about

0:13:50.080 --> 0:13:52.760
<v Speaker 2>when people are saying those things exactly exactly.

0:13:53.240 --> 0:13:55.280
<v Speaker 1>But I will say this that like that has nothing.

0:13:55.320 --> 0:14:01.079
<v Speaker 1>I mean, I have some of the most dedicated, like caring.

0:14:01.320 --> 0:14:04.000
<v Speaker 1>Like what I really love about, like, you know, working

0:14:04.040 --> 0:14:06.440
<v Speaker 1>with the people that I work with, is that you

0:14:06.440 --> 0:14:09.800
<v Speaker 1>can reach out for beyond like what you're going through

0:14:09.800 --> 0:14:12.760
<v Speaker 1>is over example, like Tracy, the publicist on my team,

0:14:12.840 --> 0:14:15.640
<v Speaker 1>she was like, wait, something something about taxes. I was like,

0:14:15.679 --> 0:14:17.600
<v Speaker 1>I don't know, girl, But about her own business, I said,

0:14:17.600 --> 0:14:20.600
<v Speaker 1>ask Chanta Shaanton's our CFO. She as chanton chantons like,

0:14:20.600 --> 0:14:22.720
<v Speaker 1>oh no, no, just do it like this. Sonta was like, well,

0:14:22.760 --> 0:14:25.360
<v Speaker 1>I have to ask Latrise something about which Latrise does

0:14:25.400 --> 0:14:28.680
<v Speaker 1>all of our like all of our email communications. Like

0:14:29.080 --> 0:14:32.360
<v Speaker 1>she's my tech like manager, and so when you're trying

0:14:32.360 --> 0:14:34.840
<v Speaker 1>to figure out like what tech system to use, you

0:14:34.840 --> 0:14:38.240
<v Speaker 1>ask Latrese. And even though so Shanta was asking about

0:14:38.280 --> 0:14:41.680
<v Speaker 1>her personal business, you know, but what I love is

0:14:41.720 --> 0:14:45.960
<v Speaker 1>that I encourage folks to work on their own dreams

0:14:46.760 --> 0:14:51.280
<v Speaker 1>and even help by promoting on our platforms, but also

0:14:51.400 --> 0:14:54.600
<v Speaker 1>too to figure out what works best for you. I

0:14:54.600 --> 0:14:56.200
<v Speaker 1>can't tell you to how many times I've taken a

0:14:56.240 --> 0:14:59.800
<v Speaker 1>meeting on a walk, because I know I'll look to say, okay,

0:14:59.800 --> 0:15:01.000
<v Speaker 1>this is out. One of those meetings will have to

0:15:01.000 --> 0:15:03.800
<v Speaker 1>be in front of my computer, or maybe there is

0:15:03.840 --> 0:15:06.360
<v Speaker 1>something that someone's gonna want to send show me really quickly.

0:15:06.360 --> 0:15:08.280
<v Speaker 1>But girl, that's what smartphones are for. I can take

0:15:08.280 --> 0:15:11.280
<v Speaker 1>a look, you know, because I need There's no time

0:15:11.320 --> 0:15:12.640
<v Speaker 1>for me to take a walk today and this is

0:15:12.680 --> 0:15:15.360
<v Speaker 1>the only time. And everyone knows that, like, you have

0:15:15.440 --> 0:15:19.760
<v Speaker 1>the space and the freedom to navigate. My my expectation

0:15:20.400 --> 0:15:23.280
<v Speaker 1>is that you're going to deliver whatever excellence like excellence,

0:15:23.320 --> 0:15:26.120
<v Speaker 1>but however you want to deliver it. And I just

0:15:26.160 --> 0:15:28.200
<v Speaker 1>think that more and more of these companies are going

0:15:28.240 --> 0:15:30.280
<v Speaker 1>to lose out to companies that know how to navigate.

0:15:30.320 --> 0:15:33.640
<v Speaker 1>I was just literally telling two people on my team

0:15:33.680 --> 0:15:37.120
<v Speaker 1>today my business the Budgetissa time, I'm really I'm wanting

0:15:37.160 --> 0:15:39.160
<v Speaker 1>to use it as like a social experiment. So I've

0:15:39.200 --> 0:15:42.160
<v Speaker 1>got my literature academy and my online school that business

0:15:42.200 --> 0:15:44.360
<v Speaker 1>like mixed the most. And then I'm shutting down my

0:15:44.400 --> 0:15:46.200
<v Speaker 1>marketing company because I'm just like, oh girl, we don't

0:15:46.200 --> 0:15:49.400
<v Speaker 1>need it, and I really focusing on the budget, Nista.

0:15:49.800 --> 0:15:53.880
<v Speaker 1>But this social experiment is this instead of saying what

0:15:53.920 --> 0:15:57.640
<v Speaker 1>can the business make, we're asking team members, what do

0:15:57.760 --> 0:16:00.520
<v Speaker 1>you want to make? Let's come to a con census,

0:16:00.560 --> 0:16:04.040
<v Speaker 1>like like C suite, Let's just say c Sweet says

0:16:04.080 --> 0:16:06.680
<v Speaker 1>we want to make two fifty okay, manager lever you

0:16:06.680 --> 0:16:08.760
<v Speaker 1>want to make one fifty okay? Or direct your level

0:16:08.800 --> 0:16:11.680
<v Speaker 1>one fifty, manager level one hundred thousand, okay. Like figuring

0:16:11.680 --> 0:16:12.520
<v Speaker 1>out what that is.

0:16:13.320 --> 0:16:15.560
<v Speaker 2>And so you're talking about salary, like what do you.

0:16:15.520 --> 0:16:20.280
<v Speaker 1>Actually want to make, right, and then saying how much

0:16:20.320 --> 0:16:23.520
<v Speaker 1>does the company have to make to hit that number

0:16:23.560 --> 0:16:26.160
<v Speaker 1>so we can pay and still like save and all

0:16:26.200 --> 0:16:28.400
<v Speaker 1>the other things we do, Like let's just say it's

0:16:28.440 --> 0:16:31.880
<v Speaker 1>ten million dollars, okay, Well, if we make ten million

0:16:31.920 --> 0:16:35.400
<v Speaker 1>dollars by June or July, then we can literally do

0:16:35.560 --> 0:16:37.640
<v Speaker 1>next to nothing for the rest of the year. That's

0:16:37.680 --> 0:16:43.120
<v Speaker 1>my aim is to figure out what the not to overwork,

0:16:43.440 --> 0:16:45.720
<v Speaker 1>but to figure out what is it that we're wanting

0:16:45.760 --> 0:16:49.360
<v Speaker 1>to make collectively, figure out how much that is put

0:16:49.400 --> 0:16:52.440
<v Speaker 1>in the work, and then like not that there will

0:16:52.480 --> 0:16:54.160
<v Speaker 1>be no work, but maybe we use the rest of

0:16:54.200 --> 0:16:56.600
<v Speaker 1>the year to experiment on new products that we can

0:16:56.680 --> 0:16:59.480
<v Speaker 1>kind of lollygag on, you know, knowing that you could

0:16:59.480 --> 0:17:01.920
<v Speaker 1>take more time off you can work on your own business,

0:17:01.960 --> 0:17:04.760
<v Speaker 1>Like why why not? Why couldn't it be like that, Yes,

0:17:04.800 --> 0:17:07.560
<v Speaker 1>we can make twenty million and sleep less, or we

0:17:07.600 --> 0:17:09.800
<v Speaker 1>can make ten and make the amount that we've decided.

0:17:09.840 --> 0:17:12.280
<v Speaker 1>So that's one of the experiments that like we're putting

0:17:12.280 --> 0:17:15.560
<v Speaker 1>into action for next year to really figure out what

0:17:15.640 --> 0:17:17.760
<v Speaker 1>is it that we're wanting to make, how much we

0:17:17.840 --> 0:17:19.240
<v Speaker 1>have to make to get it, and if we get

0:17:19.240 --> 0:17:23.560
<v Speaker 1>it early, then we get to really like fall almost

0:17:23.600 --> 0:17:25.600
<v Speaker 1>all the way back the rest of the year, because

0:17:25.640 --> 0:17:28.760
<v Speaker 1>why not what you know, Like I just think that

0:17:28.800 --> 0:17:31.440
<v Speaker 1>like companies have to be run differently or be left behind.

0:17:31.840 --> 0:17:33.680
<v Speaker 1>Like I'm not trying to kill myself, honestly, I'm trying

0:17:33.680 --> 0:17:35.919
<v Speaker 1>to have this baby. I'm trying to, like, you know,

0:17:36.359 --> 0:17:39.199
<v Speaker 1>potentially have a show. I want to you know, I

0:17:39.240 --> 0:17:41.080
<v Speaker 1>want to make more than enough. I would I want

0:17:41.080 --> 0:17:43.679
<v Speaker 1>to take home a second well already that now, but

0:17:43.960 --> 0:17:46.200
<v Speaker 1>I want to take home a specific amount of money.

0:17:46.680 --> 0:17:49.080
<v Speaker 1>And then you know, if I could be done by

0:17:49.160 --> 0:17:52.760
<v Speaker 1>June sis all the better, you know what I mean.

0:17:52.880 --> 0:17:54.320
<v Speaker 1>Then I could be like, oh, let me lean into

0:17:54.359 --> 0:17:56.240
<v Speaker 1>Molly Moore a project that doesn't make much money but

0:17:56.240 --> 0:17:59.280
<v Speaker 1>it's fun, or let me you know, I don't know,

0:17:59.440 --> 0:18:01.240
<v Speaker 1>I can A lot of people ask me to volunteer

0:18:01.320 --> 0:18:02.840
<v Speaker 1>my time, but I don't have as much time to

0:18:02.920 --> 0:18:05.640
<v Speaker 1>volunteer because I'm like, oh, we have to make money

0:18:05.640 --> 0:18:07.800
<v Speaker 1>in order to hit our No. Now I could be like, oh,

0:18:07.800 --> 0:18:09.239
<v Speaker 1>I could spend the rest of the year that all

0:18:09.240 --> 0:18:11.359
<v Speaker 1>my speaking engagements, I can give them away for free

0:18:11.720 --> 0:18:15.200
<v Speaker 1>to nonprofits and churches and things like that. And so yeah,

0:18:15.320 --> 0:18:17.879
<v Speaker 1>I'm just there has to be a better way to

0:18:17.960 --> 0:18:21.159
<v Speaker 1>do this in business and instead of like big for

0:18:21.240 --> 0:18:24.159
<v Speaker 1>big sake, like what's the purpose? We already know that

0:18:24.160 --> 0:18:26.320
<v Speaker 1>we're serving our community, but it's like, now I kind

0:18:26.320 --> 0:18:27.879
<v Speaker 1>of want to do an about face, like the people

0:18:27.880 --> 0:18:29.960
<v Speaker 1>who are doing the serving, how do I make sure

0:18:30.000 --> 0:18:33.760
<v Speaker 1>that you get served? That's really important to me. So yeah,

0:18:33.840 --> 0:18:34.240
<v Speaker 1>it is.

0:18:34.359 --> 0:18:40.080
<v Speaker 2>I love that I having worked for several publicly traded

0:18:40.119 --> 0:18:43.040
<v Speaker 2>companies where it is all about that quarterly earnings period,

0:18:43.440 --> 0:18:45.440
<v Speaker 2>like what are we going to tell Wall Street? Our

0:18:45.480 --> 0:18:48.600
<v Speaker 2>revenue was? What are we going to tell our shareholders?

0:18:48.640 --> 0:18:50.800
<v Speaker 2>You know, what's the stock price? And even if you

0:18:50.920 --> 0:18:53.840
<v Speaker 2>were a bottom rung employee or the top I mean,

0:18:54.119 --> 0:18:55.840
<v Speaker 2>no matter what they say at the end of the day,

0:18:55.880 --> 0:18:57.919
<v Speaker 2>that is what they care about the bottom line. And

0:18:58.119 --> 0:19:01.320
<v Speaker 2>it is that constant grind. And it's also I love

0:19:01.359 --> 0:19:05.199
<v Speaker 2>that you're even just questioning working for work's sake. You know,

0:19:05.359 --> 0:19:08.760
<v Speaker 2>being on the hamster wheel as a corporation, and as

0:19:08.800 --> 0:19:11.320
<v Speaker 2>you're describing it, it reminds me of what happens when

0:19:11.320 --> 0:19:14.879
<v Speaker 2>you have financial freedom on a personal level, like when

0:19:15.040 --> 0:19:18.440
<v Speaker 2>you have money in the bank, to where someone else's

0:19:18.520 --> 0:19:21.320
<v Speaker 2>choice doesn't really have an impact on what you can do.

0:19:21.440 --> 0:19:24.439
<v Speaker 2>Like you have the freedom to not need, you know,

0:19:24.560 --> 0:19:27.280
<v Speaker 2>to work for a certain person if they offend you

0:19:27.480 --> 0:19:29.679
<v Speaker 2>or if they don't welcome you know, the fact that

0:19:29.720 --> 0:19:31.439
<v Speaker 2>you have got a kid in the background, or they

0:19:31.440 --> 0:19:33.760
<v Speaker 2>don't like that you take walks. You can walk away

0:19:33.760 --> 0:19:36.399
<v Speaker 2>from that. You don't have to fester and anger. You

0:19:36.480 --> 0:19:39.920
<v Speaker 2>have a choice to remove yourself from that situation. And

0:19:40.280 --> 0:19:42.719
<v Speaker 2>I yeah, so that's what I love about it. It sounds

0:19:42.760 --> 0:19:45.040
<v Speaker 2>like that's where I have always been laser focused on,

0:19:45.119 --> 0:19:47.760
<v Speaker 2>is getting to a place of personal financial freedom, to

0:19:47.800 --> 0:19:51.399
<v Speaker 2>where I don't nothing bothers me because I have a

0:19:51.480 --> 0:19:53.440
<v Speaker 2>choice to walk away from anything that does at the

0:19:53.520 --> 0:19:56.280
<v Speaker 2>end of the day. And I can make choices now

0:19:56.320 --> 0:20:00.080
<v Speaker 2>for my family because of the steps I've taken to

0:20:00.080 --> 0:20:03.840
<v Speaker 2>to invest and save and you know, keep expenses very

0:20:03.920 --> 0:20:07.239
<v Speaker 2>very low, not very low, but keep stay comfortable, but

0:20:07.280 --> 0:20:10.359
<v Speaker 2>not just acquire things and acquire a bigger this and

0:20:10.400 --> 0:20:13.480
<v Speaker 2>a better that, because that's what it feels like I'm

0:20:13.480 --> 0:20:16.240
<v Speaker 2>supposed to be doing. But to really be thoughtful about

0:20:16.280 --> 0:20:18.560
<v Speaker 2>the things that I do purchase and the things that

0:20:18.880 --> 0:20:21.280
<v Speaker 2>you know, we spend our money on things that actually

0:20:21.320 --> 0:20:25.000
<v Speaker 2>bring joy, you know, experiences and yeah, the occasional thing,

0:20:25.080 --> 0:20:26.840
<v Speaker 2>but a thing that isn't it, you know, something that

0:20:26.880 --> 0:20:28.800
<v Speaker 2>we can share together, that kind of thing so that

0:20:28.800 --> 0:20:31.639
<v Speaker 2>we're we're free to make those decisions. And it feels

0:20:31.680 --> 0:20:35.080
<v Speaker 2>so damn good and I would love to. I mean,

0:20:35.119 --> 0:20:37.119
<v Speaker 2>I'm just I'm excited for the budget, Nista and all

0:20:37.160 --> 0:20:40.560
<v Speaker 2>your employees because there you call them the unicorn squad,

0:20:40.600 --> 0:20:43.920
<v Speaker 2>but that's a unicorn culture too. There's I've heard other

0:20:44.040 --> 0:20:46.879
<v Speaker 2>philosophies like this in business, but it's certainly not the norm.

0:20:47.000 --> 0:20:50.800
<v Speaker 2>The norm is still that grind, grind till you die.

0:20:51.119 --> 0:20:53.960
<v Speaker 2>And we got to stop. We got to stop, Like

0:20:54.280 --> 0:20:58.600
<v Speaker 2>what's the word? We have to stop? Like one, it's

0:20:58.640 --> 0:21:00.440
<v Speaker 2>the damn word, Tiviany Hill girl.

0:21:00.600 --> 0:21:03.520
<v Speaker 1>Oh, I feel like we have to hustle culture where it's.

0:21:03.880 --> 0:21:07.000
<v Speaker 2>Postal hustle culture to where we we say this is

0:21:07.040 --> 0:21:09.479
<v Speaker 2>the way it's got to be. We glamorize it you know,

0:21:10.000 --> 0:21:15.560
<v Speaker 2>burn burnout and exhaustion and slapping to the office even

0:21:15.640 --> 0:21:18.880
<v Speaker 2>though it makes you angry and sucks away your soul,

0:21:19.480 --> 0:21:21.840
<v Speaker 2>just because well, people think this is what we should

0:21:21.880 --> 0:21:24.200
<v Speaker 2>be doing. Just thinking of things differently. It's amazing.

0:21:24.920 --> 0:21:27.719
<v Speaker 1>Yeah, I just I'm excited because I'm just like, what

0:21:27.760 --> 0:21:30.960
<v Speaker 1>if we can normalize that, you know, like I think

0:21:31.359 --> 0:21:33.080
<v Speaker 1>my remember my biggest thing I told you, Mandy, that

0:21:33.160 --> 0:21:34.880
<v Speaker 1>was like, I wasn't gonna write like a business book

0:21:34.920 --> 0:21:37.000
<v Speaker 1>until I hit ten million dollars in revenue because feel

0:21:37.040 --> 0:21:40.000
<v Speaker 1>like people would take me seriously. You know, it's because

0:21:40.040 --> 0:21:42.000
<v Speaker 1>I want to be able to say you can do that.

0:21:42.320 --> 0:21:46.960
<v Speaker 1>You know you can. You cannot work people to death,

0:21:47.000 --> 0:21:51.000
<v Speaker 1>You cannot try to squash their dreams. You can actually

0:21:51.080 --> 0:21:55.280
<v Speaker 1>encourage them to have businesses and actually help their businesses grow.

0:21:55.320 --> 0:21:57.679
<v Speaker 1>I help so many people on our team with their businesses,

0:21:57.920 --> 0:22:02.440
<v Speaker 1>whether it's advice or free advertise or whatever. You can

0:22:02.520 --> 0:22:04.800
<v Speaker 1>do that and people still stay with you. People are like, well,

0:22:04.800 --> 0:22:07.359
<v Speaker 1>if you help her girl her business, wat shoes, she stay.

0:22:08.119 --> 0:22:11.040
<v Speaker 1>Here's the thing. If you're amazing, you're not gonna stay

0:22:11.080 --> 0:22:14.480
<v Speaker 1>even like you can. I'm not worried if someone's going

0:22:14.520 --> 0:22:17.159
<v Speaker 1>to leave we create such an amazing environment that we

0:22:17.200 --> 0:22:22.080
<v Speaker 1>will always have good employees. We will like anytime we're

0:22:22.080 --> 0:22:26.200
<v Speaker 1>looking for someone, we get flooded by so many amazing

0:22:26.240 --> 0:22:28.320
<v Speaker 1>people who want to work with us. So if someone

0:22:28.359 --> 0:22:30.400
<v Speaker 1>decides to leave because they have a we have someone

0:22:30.480 --> 0:22:34.320
<v Speaker 1>right now with this an amazing want in a lifetime opportunity.

0:22:34.840 --> 0:22:38.240
<v Speaker 1>And she's like, you know, in her last round of interviewing,

0:22:38.320 --> 0:22:41.040
<v Speaker 1>the fact that she came to us and told us

0:22:41.040 --> 0:22:42.960
<v Speaker 1>and we're all wishing her wealth, like we hope you

0:22:43.040 --> 0:22:45.040
<v Speaker 1>get it, and she's like, even if I get it,

0:22:45.240 --> 0:22:47.119
<v Speaker 1>I'm still gonna work here part time. We're like, girl,

0:22:47.200 --> 0:22:49.879
<v Speaker 1>you are not gonna be working part time, because it

0:22:49.760 --> 0:22:53.359
<v Speaker 1>was it's a want in a lifetime, amazing opportunity. But

0:22:53.440 --> 0:22:56.359
<v Speaker 1>the fact that she's telling us she's going on interviews

0:22:56.680 --> 0:22:58.840
<v Speaker 1>and she's excited and we're not like, well, girl, by

0:22:58.960 --> 0:23:01.480
<v Speaker 1>you're fired. And the fact that it's an environment that

0:23:01.560 --> 0:23:04.360
<v Speaker 1>you can say that and we wish you well and

0:23:04.440 --> 0:23:07.240
<v Speaker 1>like we do because where there's one of her, there

0:23:07.320 --> 0:23:09.840
<v Speaker 1>is more of her because we create an environment that

0:23:09.880 --> 0:23:12.480
<v Speaker 1>fosters that kind of person to seek us out and

0:23:12.520 --> 0:23:15.000
<v Speaker 1>want to work with us. You know, like most people

0:23:15.040 --> 0:23:17.439
<v Speaker 1>who have started with me are still here. You know,

0:23:17.640 --> 0:23:20.240
<v Speaker 1>very rarely have I let someone go. And even the

0:23:20.280 --> 0:23:23.399
<v Speaker 1>people that we've let go, ninety five percent of them

0:23:23.800 --> 0:23:26.639
<v Speaker 1>I still converse with and email with and text and

0:23:26.760 --> 0:23:30.720
<v Speaker 1>check on them. Was it was very amiable, amicable, and

0:23:30.800 --> 0:23:33.280
<v Speaker 1>you know, we let them go with kindness and money.

0:23:33.359 --> 0:23:35.159
<v Speaker 1>I mean, I know, we don't have to give three

0:23:35.359 --> 0:23:37.600
<v Speaker 1>people three months worth of severance when you're a contract,

0:23:37.600 --> 0:23:39.640
<v Speaker 1>but we did because I'm like, well, you're a mom

0:23:39.640 --> 0:23:41.520
<v Speaker 1>and I don't want to see you struggle, or you're

0:23:41.520 --> 0:23:42.880
<v Speaker 1>a mom and I don't want to see without a job.

0:23:42.920 --> 0:23:45.200
<v Speaker 1>Let me help you find something else. So as a result,

0:23:45.400 --> 0:23:47.680
<v Speaker 1>we put a lot of really good business karma out there.

0:23:47.680 --> 0:23:50.560
<v Speaker 1>But I think there's a different way that people can navigate.

0:23:50.920 --> 0:23:54.120
<v Speaker 1>And what I want is that people start to demand

0:23:54.200 --> 0:23:57.200
<v Speaker 1>more from where they work and let these businesses that

0:23:57.280 --> 0:23:59.000
<v Speaker 1>want to mistreat you let them suffer.

0:24:00.080 --> 0:24:03.800
<v Speaker 2>Yeah, create your own financial safety net so that you

0:24:04.080 --> 0:24:07.560
<v Speaker 2>don't like you're continuing to work there. Gives them a

0:24:07.640 --> 0:24:10.000
<v Speaker 2>sense of oh, well, whatever we're doing must be working

0:24:10.080 --> 0:24:12.760
<v Speaker 2>because people are still here. Like you may be there

0:24:12.760 --> 0:24:14.920
<v Speaker 2>because you've got debt and you have to pay it off,

0:24:15.119 --> 0:24:17.959
<v Speaker 2>or because you feel like you know you're stuck and

0:24:18.000 --> 0:24:20.880
<v Speaker 2>there's nothing else out there for you but finance. I mean,

0:24:21.040 --> 0:24:23.399
<v Speaker 2>money is not the enemy. It is a tool for

0:24:23.480 --> 0:24:25.320
<v Speaker 2>you to use to get to your purpose and to

0:24:25.359 --> 0:24:27.640
<v Speaker 2>get to a place where you're happy. It can exist

0:24:27.680 --> 0:24:30.240
<v Speaker 2>like you can do work that feeds you and makes

0:24:30.240 --> 0:24:33.960
<v Speaker 2>you happy and build a life for yourself that that yes,

0:24:34.080 --> 0:24:36.720
<v Speaker 2>that that you feel like represents what you're best at.

0:24:36.720 --> 0:24:39.800
<v Speaker 2>It makes you, that brings you joy and at the

0:24:39.880 --> 0:24:41.720
<v Speaker 2>end of the day, if you have that's what I

0:24:41.760 --> 0:24:43.640
<v Speaker 2>love this show when we talk about the time, it's

0:24:44.040 --> 0:24:46.879
<v Speaker 2>it's the simple steps you can take to create that

0:24:46.960 --> 0:24:50.720
<v Speaker 2>financial cushion so that you can make choices thoughtfully for

0:24:50.880 --> 0:24:52.840
<v Speaker 2>your best interest. Because at the end of the day,

0:24:53.240 --> 0:24:55.400
<v Speaker 2>whoever you're working for, they're going to be looking out

0:24:55.400 --> 0:24:58.680
<v Speaker 2>for their best interest ninety nine percent of the time, right,

0:24:59.119 --> 0:25:01.320
<v Speaker 2>So it's just a different it's a different way of feeling,

0:25:01.359 --> 0:25:03.639
<v Speaker 2>and it's like proof of what can happen when you

0:25:03.920 --> 0:25:07.919
<v Speaker 2>just make choices that take away that you know, that

0:25:08.000 --> 0:25:10.920
<v Speaker 2>hanging that sense of dread hanging over you, the financial

0:25:11.280 --> 0:25:13.439
<v Speaker 2>you know, the financial weight on your shoulders, I can

0:25:13.480 --> 0:25:15.199
<v Speaker 2>hold you back and keep you at a place that

0:25:15.840 --> 0:25:18.720
<v Speaker 2>is not giving you that is not giving you purpose

0:25:18.800 --> 0:25:22.960
<v Speaker 2>or giving you like any happiness at all. Where you

0:25:23.280 --> 0:25:25.399
<v Speaker 2>is it budgeties dot com slash hiring? Is that what

0:25:25.800 --> 0:25:26.439
<v Speaker 2>we can look for?

0:25:27.000 --> 0:25:29.120
<v Speaker 1>I always said, we're not My thing is like we're

0:25:29.119 --> 0:25:31.080
<v Speaker 1>not hiring right now, but we always take resumes and

0:25:31.119 --> 0:25:34.000
<v Speaker 1>you'd be surprised, Like I'll be like, oh, we're not hiring,

0:25:34.000 --> 0:25:35.560
<v Speaker 1>and somebody will send a resume. I'm like, oh, you

0:25:35.560 --> 0:25:38.040
<v Speaker 1>know what, somebody on the tea will be like, Tiffany,

0:25:38.080 --> 0:25:40.240
<v Speaker 1>I need it. I'm like, I just got a resume, girl,

0:25:40.240 --> 0:25:42.400
<v Speaker 1>I'm sending it over. So I always help.

0:25:42.320 --> 0:25:43.520
<v Speaker 2>You future shot.

0:25:43.640 --> 0:25:46.080
<v Speaker 1>Yeah, no, for real, because you just you just never know,

0:25:46.240 --> 0:25:48.879
<v Speaker 1>Like there's not one position that we're like okay, But

0:25:49.480 --> 0:25:51.840
<v Speaker 1>like I said, like the last person we just hired

0:25:51.880 --> 0:25:53.960
<v Speaker 1>with someone we weren't hiring and then we ended up

0:25:54.000 --> 0:25:56.359
<v Speaker 1>needing someone and her resume was already in my inbox

0:25:56.400 --> 0:25:58.480
<v Speaker 1>and she ended up being an amazing fit. Yeah. We

0:25:58.520 --> 0:26:01.040
<v Speaker 1>have a lot of corp corporate refugee over at Budgetista.

0:26:01.280 --> 0:26:04.360
<v Speaker 1>I'm like, let those places suffer. They don't deserve you, honestly,

0:26:04.400 --> 0:26:05.800
<v Speaker 1>I mean I get it, like if you have to

0:26:05.920 --> 0:26:07.120
<v Speaker 1>you have to feed your family, you got to take

0:26:07.119 --> 0:26:09.600
<v Speaker 1>care of your kids. You have to, but keep your

0:26:09.640 --> 0:26:12.760
<v Speaker 1>eye out for there are more places popping up that

0:26:12.920 --> 0:26:15.840
<v Speaker 1>know how to treat people, places that you know that

0:26:15.960 --> 0:26:18.359
<v Speaker 1>don't let them suffer, let them lose their best in

0:26:18.400 --> 0:26:21.120
<v Speaker 1>their brighters, let them lose you. They don't deserve you.

0:26:21.119 --> 0:26:21.320
<v Speaker 2>You know.

0:26:21.359 --> 0:26:25.440
<v Speaker 1>I'm like, yeah, so we work. I know he's not talking. Bruh.

0:26:25.520 --> 0:26:27.040
<v Speaker 1>You have a lot to worry about. Worry about people

0:26:27.040 --> 0:26:30.199
<v Speaker 1>coming back to the office. You know, you have a

0:26:30.240 --> 0:26:38.720
<v Speaker 1>pr issue. Bruh. So so that was good. You want

0:26:38.760 --> 0:26:40.800
<v Speaker 1>to take some kowtek.

0:26:41.560 --> 0:26:45.440
<v Speaker 2>Oh, well, let's take a quick woosay, take a quick break,

0:26:45.480 --> 0:27:20.160
<v Speaker 2>and we'll be right back with y'all questions. All right,

0:27:20.200 --> 0:27:22.680
<v Speaker 2>we are back with your questions. Hit us up, y'all.

0:27:22.680 --> 0:27:25.600
<v Speaker 2>We are at Brown Ambition Podcast on Instagram. You can

0:27:25.600 --> 0:27:28.080
<v Speaker 2>slide into our dms there with your questions on your

0:27:28.080 --> 0:27:31.000
<v Speaker 2>career or your finances. You can also check out our

0:27:31.040 --> 0:27:32.920
<v Speaker 2>show notes and see how you can leave us a

0:27:33.040 --> 0:27:35.640
<v Speaker 2>voicemail with your questions. We may take your answer live

0:27:35.760 --> 0:27:36.359
<v Speaker 2>on the show.

0:27:36.560 --> 0:27:39.959
<v Speaker 1>Yeah, can I just really quickly someone was this a tweet? Anyway?

0:27:40.000 --> 0:27:42.800
<v Speaker 1>Her name is I'll slap long you know, I won't.

0:27:42.560 --> 0:27:44.240
<v Speaker 2>Name her name, will slap who.

0:27:44.440 --> 0:27:46.600
<v Speaker 1>She said her name is literally, I'll slap your ass

0:27:46.760 --> 0:27:49.240
<v Speaker 1>just because of slavery. Friend, I don't I don't know

0:27:49.280 --> 0:27:50.080
<v Speaker 1>if that's literally.

0:27:50.720 --> 0:27:54.840
<v Speaker 2>That is literally on Twitter day, So hey girl, I love.

0:27:55.280 --> 0:27:58.919
<v Speaker 1>This is what she wrote. She said, Tiffany, there's a

0:27:59.040 --> 0:28:02.120
<v Speaker 1>video going around about the housing bubble by he who

0:28:02.160 --> 0:28:05.399
<v Speaker 1>shall not be named. We know he's talking about dr period,

0:28:06.000 --> 0:28:09.480
<v Speaker 1>so I refuse to watch it. That's right, girl, to

0:28:09.680 --> 0:28:16.000
<v Speaker 1>discuss on the podcast or something. Please sosing bibble. Yes,

0:28:16.080 --> 0:28:16.720
<v Speaker 1>what are you thinking?

0:28:17.720 --> 0:28:20.040
<v Speaker 2>Oh? I mean, I think this has been a conversation

0:28:20.359 --> 0:28:23.520
<v Speaker 2>that's been happening since the pandemic. I mean people, and

0:28:23.560 --> 0:28:25.560
<v Speaker 2>I'm living it. I don't know if you are to Tiffany,

0:28:25.600 --> 0:28:27.760
<v Speaker 2>but in the burbs outside of New York, I live

0:28:27.840 --> 0:28:31.200
<v Speaker 2>about thirty minutes outside the city. We have so many

0:28:31.480 --> 0:28:35.320
<v Speaker 2>city heites or urbanites who have been, you know, fleeing

0:28:35.480 --> 0:28:39.640
<v Speaker 2>the were fled the super populated city of Manhattan, fled

0:28:39.640 --> 0:28:42.640
<v Speaker 2>public transit to rent homes out here in the burbs

0:28:42.640 --> 0:28:45.280
<v Speaker 2>with us and property values. Let me tell you like

0:28:45.400 --> 0:28:47.520
<v Speaker 2>our neighborhood. I always have always thought it was a

0:28:47.560 --> 0:28:50.320
<v Speaker 2>hidden gem. We got our house for four hundred and

0:28:50.320 --> 0:28:52.400
<v Speaker 2>forty five thousand and we did a lot of work

0:28:52.440 --> 0:28:55.200
<v Speaker 2>to it. But just to give you a baseline, a

0:28:55.240 --> 0:28:57.400
<v Speaker 2>house two blocks from mine just went on sale for

0:28:57.480 --> 0:29:00.200
<v Speaker 2>over eight hundred thousand dollars.

0:29:00.240 --> 0:29:00.760
<v Speaker 1>Crazy.

0:29:01.880 --> 0:29:04.840
<v Speaker 2>It's you know, and husband's like, we're trying to move

0:29:04.960 --> 0:29:07.080
<v Speaker 2>or I'm like, no, we're not trying to move right now.

0:29:08.000 --> 0:29:10.480
<v Speaker 2>I don't think it's necessarily a bubble. And this is why,

0:29:10.520 --> 0:29:12.760
<v Speaker 2>I mean, well, you have to like define bubble. I

0:29:12.800 --> 0:29:15.240
<v Speaker 2>don't think that we're in a position like we were

0:29:15.640 --> 0:29:19.160
<v Speaker 2>leading up to the housing crisis of seven eight for

0:29:19.240 --> 0:29:22.480
<v Speaker 2>a couple of different reasons. There's there's more regulations in

0:29:22.520 --> 0:29:24.960
<v Speaker 2>place today. One of the biggest problems with the last

0:29:25.040 --> 0:29:28.440
<v Speaker 2>recession or the last housing crisis was that lenders were

0:29:28.480 --> 0:29:31.120
<v Speaker 2>just out here giving away houses to people who could

0:29:31.120 --> 0:29:34.160
<v Speaker 2>not afford them, literally could not afford them. And as

0:29:34.160 --> 0:29:37.520
<v Speaker 2>soon as times got tough with the recession, people started

0:29:37.520 --> 0:29:41.000
<v Speaker 2>defaulting on their mortgages. And then because lenders were turning

0:29:41.000 --> 0:29:44.080
<v Speaker 2>around and selling those mortgages off to Wall Street, Wall

0:29:44.080 --> 0:29:47.240
<v Speaker 2>Street was all, you know, self combusting as well because

0:29:47.280 --> 0:29:49.440
<v Speaker 2>they had all these bad mortgage notes on their books.

0:29:50.000 --> 0:29:52.720
<v Speaker 2>So it's that stuff is not happening today. What we're

0:29:52.720 --> 0:29:56.040
<v Speaker 2>seeing today is simple economics. And I think I've told y'all,

0:29:56.120 --> 0:29:59.040
<v Speaker 2>y'all got I got a eked out a be an

0:29:59.040 --> 0:30:02.240
<v Speaker 2>econ in college. But I listened enough to whatever his

0:30:02.320 --> 0:30:04.360
<v Speaker 2>name was, who wore Hawaiian T shirts. I don't know

0:30:04.400 --> 0:30:07.320
<v Speaker 2>why he did, my professor. I listened enough to remember

0:30:07.360 --> 0:30:09.840
<v Speaker 2>supply and demand. And that's what we're seeing right now.

0:30:09.880 --> 0:30:13.120
<v Speaker 2>The inventory of housing in this country has not been

0:30:13.120 --> 0:30:16.920
<v Speaker 2>meeting the demand from people wanting more space. They want

0:30:16.920 --> 0:30:19.840
<v Speaker 2>a yard, they want you know, more freedom, they want

0:30:19.840 --> 0:30:22.200
<v Speaker 2>to breathe put out of these big cities and they

0:30:22.200 --> 0:30:25.280
<v Speaker 2>want to move. And in cities where the real estate

0:30:25.320 --> 0:30:28.600
<v Speaker 2>markets are tight with inventory, that's what it is. There's

0:30:28.680 --> 0:30:32.120
<v Speaker 2>less supply, there's more demand, so the cost of goods

0:30:32.160 --> 0:30:34.240
<v Speaker 2>is going up. I would say if I was looking

0:30:34.240 --> 0:30:36.640
<v Speaker 2>to buy right now, I would be nervous. I would

0:30:36.640 --> 0:30:40.440
<v Speaker 2>only buy if I really really wanted to, needed to,

0:30:40.960 --> 0:30:43.959
<v Speaker 2>and had good data on the market where I am

0:30:43.960 --> 0:30:46.560
<v Speaker 2>purchasing at home, to see if it's been how has

0:30:46.600 --> 0:30:51.200
<v Speaker 2>it performed in other you know, dicey economic times, and

0:30:51.400 --> 0:30:54.640
<v Speaker 2>just ask around and do your due diligence. As a homeowner.

0:30:55.600 --> 0:30:57.600
<v Speaker 2>The struggle with us is like, well, do you want

0:30:57.600 --> 0:30:59.440
<v Speaker 2>to sell and make a pretty penny. But then where

0:30:59.440 --> 0:31:01.040
<v Speaker 2>am I going to go. I'll be out in the

0:31:01.080 --> 0:31:03.040
<v Speaker 2>same housing market everyone else is going to be out

0:31:03.560 --> 0:31:06.560
<v Speaker 2>unable to find something, you know, because inventory is so

0:31:06.640 --> 0:31:09.120
<v Speaker 2>tight or prices are so high that even if I

0:31:09.160 --> 0:31:11.400
<v Speaker 2>turn a profit on my home, you know, I just

0:31:11.440 --> 0:31:14.200
<v Speaker 2>have to turn around and sync that into the next one.

0:31:15.240 --> 0:31:18.760
<v Speaker 1>And that's what my so I don't know necessarily if

0:31:18.800 --> 0:31:23.080
<v Speaker 1>it's a bubble per se, or there's a little bit

0:31:23.080 --> 0:31:26.000
<v Speaker 1>of inflation. And I do expect for there to be

0:31:26.080 --> 0:31:29.840
<v Speaker 1>a little bit of correction in the market. Meaning I

0:31:29.840 --> 0:31:31.320
<v Speaker 1>don't think all of a sudden it's going to burst

0:31:31.320 --> 0:31:33.840
<v Speaker 1>in your your eight hundred thousand dollars home it's going

0:31:33.880 --> 0:31:36.200
<v Speaker 1>to be worth two hundred thousand. No, But I do

0:31:36.240 --> 0:31:38.600
<v Speaker 1>think they'll be like a settling down, you know, because

0:31:38.640 --> 0:31:40.120
<v Speaker 1>it won't go up forever and ever and ever, because

0:31:40.120 --> 0:31:44.560
<v Speaker 1>eventually the demand will slow down or the supply will increase,

0:31:44.960 --> 0:31:47.560
<v Speaker 1>and then that's when you'll really see if whether or not.

0:31:49.400 --> 0:31:51.640
<v Speaker 1>My only thing is this is like it's one thing

0:31:51.680 --> 0:31:53.520
<v Speaker 1>for a house to go up fifty thousand, you know,

0:31:54.360 --> 0:31:56.720
<v Speaker 1>sixty thousand, but houses that are going up two hundred,

0:31:56.760 --> 0:31:58.880
<v Speaker 1>three hundred thousand, I'm like, that's where I think you

0:31:58.960 --> 0:32:02.480
<v Speaker 1>might see some course, correct if houses are doubling where

0:32:02.520 --> 0:32:05.520
<v Speaker 1>you are, because I'm just like, uh, I don't know,

0:32:05.720 --> 0:32:07.120
<v Speaker 1>I don't know. If it was me right now, I

0:32:07.120 --> 0:32:09.000
<v Speaker 1>would not buy a house for double I just wouldn't.

0:32:09.360 --> 0:32:11.840
<v Speaker 1>I would not buy a house for you know, like,

0:32:12.600 --> 0:32:15.200
<v Speaker 1>you know, fifty sixty percent more than it was you know,

0:32:15.360 --> 0:32:18.280
<v Speaker 1>just a little while ago. I just it just feels,

0:32:18.440 --> 0:32:20.480
<v Speaker 1>and I guess maybe I'm a little gun shy because Mandy,

0:32:20.560 --> 0:32:22.680
<v Speaker 1>I bought my house in two thousand and six, right

0:32:22.760 --> 0:32:26.360
<v Speaker 1>before the you know, so I mean I'm also a

0:32:26.400 --> 0:32:29.280
<v Speaker 1>lot more conservative. So what that means is, guys, is

0:32:29.280 --> 0:32:30.800
<v Speaker 1>that like I bought my house for two hundred and

0:32:30.800 --> 0:32:35.360
<v Speaker 1>twenty thousand dollars right before the housing crash, you know,

0:32:35.440 --> 0:32:37.640
<v Speaker 1>in two thousand and eight, nine, ten, and so I

0:32:37.680 --> 0:32:40.480
<v Speaker 1>bought it for two twenty the lowest it went down.

0:32:40.520 --> 0:32:42.280
<v Speaker 1>I think, Mandy, I want to say, is like two

0:32:42.880 --> 0:32:45.080
<v Speaker 1>no one thirty one fifty. So you know, I was like,

0:32:45.080 --> 0:32:49.080
<v Speaker 1>what the hell you know? And since then, Mandy that

0:32:49.120 --> 0:32:50.520
<v Speaker 1>remember I told you every once in a while, I

0:32:51.160 --> 0:32:54.640
<v Speaker 1>still cyperstalk my my old condo, so I would say

0:32:54.640 --> 0:32:56.640
<v Speaker 1>at least once a year, I type in my address

0:32:56.680 --> 0:32:58.800
<v Speaker 1>to see what is it worth. Now it has never

0:32:58.840 --> 0:33:01.080
<v Speaker 1>gotten back up to two twenty. The closest it's got

0:33:01.160 --> 0:33:04.400
<v Speaker 1>is one eighty. And so it makes me say like ugh,

0:33:04.680 --> 0:33:09.080
<v Speaker 1>whenever I see like home prices inflate dramatically, it just

0:33:09.080 --> 0:33:11.560
<v Speaker 1>makes me nervous to say, you know, not to say

0:33:11.560 --> 0:33:13.240
<v Speaker 1>that it's going to crash, but there might be a

0:33:13.280 --> 0:33:15.960
<v Speaker 1>little bit of a course correction. So I would it's

0:33:15.960 --> 0:33:18.240
<v Speaker 1>so hard with homes not to get emotional about purchasing,

0:33:18.520 --> 0:33:20.760
<v Speaker 1>but I just be mindful about still looking for a

0:33:20.800 --> 0:33:23.880
<v Speaker 1>deal because despite you know, like the house of market

0:33:23.920 --> 0:33:25.920
<v Speaker 1>being crazy, there are still ways to get deals. You know,

0:33:25.960 --> 0:33:28.800
<v Speaker 1>there are still sometimes people who are selling a distress

0:33:28.840 --> 0:33:31.320
<v Speaker 1>and there are still keep your ear to the streets.

0:33:31.360 --> 0:33:33.960
<v Speaker 1>Like the house I live in now. We purchased it,

0:33:34.160 --> 0:33:36.080
<v Speaker 1>you know, it was in Newark, is a very hot market,

0:33:36.120 --> 0:33:38.520
<v Speaker 1>and we were getting out for a year to two

0:33:38.520 --> 0:33:40.720
<v Speaker 1>almost two years. We were getting outbid left and right,

0:33:40.920 --> 0:33:44.200
<v Speaker 1>and we found this on an auction site and we

0:33:44.240 --> 0:33:46.160
<v Speaker 1>paid half price for it. So there's still deals to

0:33:46.200 --> 0:33:47.800
<v Speaker 1>be found if you're willing to be patient. So that's

0:33:47.800 --> 0:33:48.520
<v Speaker 1>what I would just say.

0:33:48.880 --> 0:33:51.800
<v Speaker 2>Yeah, our neighborhood is definitely the fixer upper neighborhood in

0:33:51.800 --> 0:33:54.440
<v Speaker 2>the sense that there's a lot of older homeowners. Like

0:33:54.800 --> 0:33:58.520
<v Speaker 2>our home we purchased from a young retiree couple like

0:33:58.520 --> 0:34:00.880
<v Speaker 2>in the early sixties, and you know, they were just

0:34:00.960 --> 0:34:04.200
<v Speaker 2>righty to move and downsize. And there's a lot of

0:34:04.200 --> 0:34:06.920
<v Speaker 2>homes in our neighborhood that are like that, and that

0:34:07.080 --> 0:34:09.520
<v Speaker 2>to me is a more natural kind of turnover. You know,

0:34:09.520 --> 0:34:12.160
<v Speaker 2>they're selling their homes because they this this neighborhood. You know,

0:34:12.200 --> 0:34:14.000
<v Speaker 2>they lived in for a few decades, raised their kids,

0:34:14.000 --> 0:34:16.680
<v Speaker 2>they're ready to downsize, and there's a lot of great

0:34:18.000 --> 0:34:20.280
<v Speaker 2>deals to be had. We've seen and it's been fun

0:34:20.320 --> 0:34:23.480
<v Speaker 2>to see people buy these these homes that look pretty

0:34:23.480 --> 0:34:25.560
<v Speaker 2>sad and run down and then just fix them up.

0:34:25.640 --> 0:34:28.440
<v Speaker 2>And I'm excited about it. I'm glad I bought the

0:34:28.440 --> 0:34:31.239
<v Speaker 2>house three years ago. I'm gonna say that. But I mean,

0:34:31.280 --> 0:34:34.360
<v Speaker 2>I don't understand, like it's such a huge purchase. Like

0:34:34.360 --> 0:34:37.240
<v Speaker 2>if you're out there trying to buy a house, just rent,

0:34:37.280 --> 0:34:39.080
<v Speaker 2>it's it's fine, you don't have to have a home

0:34:39.160 --> 0:34:42.880
<v Speaker 2>right now. It's like that herd mentality. But yeah, it's

0:34:43.200 --> 0:34:46.000
<v Speaker 2>My dad sold his condo in Atlanta he lives about well,

0:34:46.040 --> 0:34:48.279
<v Speaker 2>not in Atlanta, but he lives in a Tucker which

0:34:48.320 --> 0:34:50.200
<v Speaker 2>is about, I don't know, twenty minutes aside of Atlanta,

0:34:50.600 --> 0:34:52.480
<v Speaker 2>and he sold his condo he'd been in for a

0:34:52.520 --> 0:34:55.240
<v Speaker 2>long time. I think he bought it for like sixty

0:34:55.320 --> 0:34:58.080
<v Speaker 2>thousand dollars and he sold it for one thirty or

0:34:58.080 --> 0:34:59.839
<v Speaker 2>something like that. He's like, why are you putting all

0:34:59.840 --> 0:35:03.520
<v Speaker 2>of my business on this what? He doesn't even know

0:35:03.560 --> 0:35:06.239
<v Speaker 2>what the podcast is. It's fine, but anyway, he made

0:35:06.239 --> 0:35:08.480
<v Speaker 2>a nice profit. But he's living with a cousin right

0:35:08.480 --> 0:35:11.759
<v Speaker 2>now because, like the time, it just it's hard to

0:35:11.800 --> 0:35:14.600
<v Speaker 2>line up those perfect things where you can sell and

0:35:14.600 --> 0:35:17.920
<v Speaker 2>then immediately, you know, walk into a new home of

0:35:17.960 --> 0:35:20.400
<v Speaker 2>your own. So he's he's trying to figure out you know,

0:35:20.440 --> 0:35:22.560
<v Speaker 2>he's staying on his uh with his with his cousin.

0:35:22.880 --> 0:35:26.640
<v Speaker 2>Shout out to Mark. He's staying with him and you know,

0:35:26.719 --> 0:35:28.400
<v Speaker 2>trying to figure out where he wants to live and

0:35:28.440 --> 0:35:30.799
<v Speaker 2>taking his time. And he's also in a really tough

0:35:30.840 --> 0:35:33.839
<v Speaker 2>market outside of Atlanta too, So that's the other side

0:35:33.880 --> 0:35:37.319
<v Speaker 2>of that coin. Thank you too. I will slap you

0:35:37.920 --> 0:35:39.799
<v Speaker 2>for slavery. What was it?

0:35:40.880 --> 0:35:43.880
<v Speaker 1>I will slap your ass just because of slavery. And

0:35:43.920 --> 0:35:45.520
<v Speaker 1>I think it says frank because I got cut off.

0:35:45.600 --> 0:35:49.239
<v Speaker 1>But I girl, please Tweetbee because that was hilarious. That

0:35:49.280 --> 0:35:51.640
<v Speaker 1>was your name, and I'm thank you for Yes, you

0:35:51.640 --> 0:35:54.000
<v Speaker 1>don't have to watch he who will shall not be named,

0:35:54.040 --> 0:35:55.480
<v Speaker 1>come on over here. We got you, girl.

0:35:56.120 --> 0:35:58.600
<v Speaker 2>We just or do watch it, but then watch other

0:35:58.640 --> 0:36:01.399
<v Speaker 2>stuff too, And you know, sometimes it's good to see

0:36:01.440 --> 0:36:05.520
<v Speaker 2>what some people are saying, like and think critically about

0:36:05.560 --> 0:36:09.239
<v Speaker 2>it and like, you know, but I understand it's I

0:36:09.320 --> 0:36:11.759
<v Speaker 2>commend you for at least knowing enough to be like, yeah,

0:36:11.760 --> 0:36:14.480
<v Speaker 2>I'm not gonna believe whatever it is that he's talking about.

0:36:17.400 --> 0:36:20.520
<v Speaker 2>All right, well, let's take this question from Instagram. I

0:36:20.520 --> 0:36:23.520
<v Speaker 2>guess we're going to keep them anonymous. They say, Hi, ladies,

0:36:23.640 --> 0:36:25.920
<v Speaker 2>have a quick question. My husband and I started the

0:36:25.960 --> 0:36:28.920
<v Speaker 2>Snowball method, and we've paid off over ninety one thousand

0:36:29.000 --> 0:36:30.640
<v Speaker 2>dollars in debt. Okay, I'm gonna pause just to do

0:36:30.680 --> 0:36:35.520
<v Speaker 2>my snaps. Yes, that's amazing work. Yes, including our car,

0:36:35.680 --> 0:36:38.480
<v Speaker 2>credit cards, and student loans. We still have twenty four

0:36:38.480 --> 0:36:41.200
<v Speaker 2>thousand dollars to go, but we're super happy and grateful

0:36:41.200 --> 0:36:43.280
<v Speaker 2>to be where we are along the way. We started

0:36:43.320 --> 0:36:45.160
<v Speaker 2>to get rid of our credit cards to begin a

0:36:45.239 --> 0:36:48.439
<v Speaker 2>no credit card life. As a result, my credit began

0:36:48.480 --> 0:36:51.320
<v Speaker 2>to drop due to a lack of revolving credit. I

0:36:51.400 --> 0:36:53.840
<v Speaker 2>knew this would happen and was prepared for this. However,

0:36:53.920 --> 0:36:56.960
<v Speaker 2>we'd like to slowly build this up again. I'm wondering

0:36:57.040 --> 0:36:59.000
<v Speaker 2>what are the best credit cards to open in order

0:36:59.040 --> 0:37:01.200
<v Speaker 2>to do this, or what's the best way Should we

0:37:01.200 --> 0:37:03.920
<v Speaker 2>stop paying my student loan in full in order to

0:37:04.000 --> 0:37:06.400
<v Speaker 2>keep that as part of my credit report? I would

0:37:06.440 --> 0:37:07.600
<v Speaker 2>love some advice.

0:37:07.719 --> 0:37:12.799
<v Speaker 1>Oh, girl, your loans pay them bad boys off.

0:37:13.480 --> 0:37:13.800
<v Speaker 2>Yeah.

0:37:13.840 --> 0:37:18.000
<v Speaker 1>So there are two types of debt. There is revolving debt,

0:37:18.040 --> 0:37:21.600
<v Speaker 1>which is credit card debt. They call it revolving because

0:37:22.280 --> 0:37:24.800
<v Speaker 1>it like it's like the door, like even as you

0:37:24.920 --> 0:37:27.520
<v Speaker 1>paid off a credit card, it's still active, like you know,

0:37:27.560 --> 0:37:29.160
<v Speaker 1>like you can keep still coming back in at any

0:37:29.200 --> 0:37:32.759
<v Speaker 1>knock time. And there's installment loans and installment loans there's

0:37:32.760 --> 0:37:35.080
<v Speaker 1>this lump sum that you owe and you make installment

0:37:35.120 --> 0:37:39.759
<v Speaker 1>payments until it's done. So one of the ways to

0:37:39.880 --> 0:37:41.680
<v Speaker 1>like offset the fact that you're thinking you might be

0:37:41.719 --> 0:37:44.720
<v Speaker 1>like losing like, you know, some of your your mix,

0:37:44.760 --> 0:37:47.520
<v Speaker 1>your credit mix, is you can keep like you don't.

0:37:48.400 --> 0:37:50.560
<v Speaker 1>Here's the thing. You don't have to have a credit

0:37:50.560 --> 0:37:53.440
<v Speaker 1>card if you don't want to. There you know, you know,

0:37:54.320 --> 0:37:56.040
<v Speaker 1>just by paying your bills on time and you know

0:37:56.120 --> 0:37:58.120
<v Speaker 1>some of them will, and also paying like you know,

0:37:58.200 --> 0:38:00.680
<v Speaker 1>your your other things off, you're gonna definitely see a boost.

0:38:00.680 --> 0:38:03.200
<v Speaker 1>But if you did want to keep one credit card,

0:38:03.280 --> 0:38:05.279
<v Speaker 1>once you paid it off and just pay, you know,

0:38:05.400 --> 0:38:07.680
<v Speaker 1>put something like I call it the jump like Jordan

0:38:07.760 --> 0:38:09.759
<v Speaker 1>method because you know, Michael Jordan used to jump and

0:38:09.800 --> 0:38:11.640
<v Speaker 1>stay in the air for a long time. And that's

0:38:11.640 --> 0:38:13.719
<v Speaker 1>what we want our credit to do. Is you put

0:38:13.760 --> 0:38:16.360
<v Speaker 1>like your Netflix or your gym membership on that one card.

0:38:17.239 --> 0:38:20.720
<v Speaker 1>After you've paid it off, you say, hey, Netflix, charge

0:38:20.719 --> 0:38:23.279
<v Speaker 1>this card every month, and then you find out when

0:38:23.320 --> 0:38:26.440
<v Speaker 1>your statement date is. That is the date that a

0:38:26.480 --> 0:38:29.840
<v Speaker 1>statement is issued saying you use the card because you

0:38:29.920 --> 0:38:33.320
<v Speaker 1>want them to. You want them to tell the credit

0:38:33.360 --> 0:38:37.239
<v Speaker 1>bureaus the card has been used. And then you have

0:38:37.560 --> 0:38:39.200
<v Speaker 1>a I have I like to have a checking account

0:38:39.280 --> 0:38:41.640
<v Speaker 1>just for bills. You have that bill's account, pay the

0:38:41.680 --> 0:38:44.319
<v Speaker 1>credit card off in full after the statement date, but

0:38:44.560 --> 0:38:47.359
<v Speaker 1>buy the due date. So paying off a credit card

0:38:47.360 --> 0:38:51.400
<v Speaker 1>in full every month will help to keep get your

0:38:51.440 --> 0:38:55.719
<v Speaker 1>credit score jumping and to keep it high because you know, one,

0:38:56.280 --> 0:38:58.920
<v Speaker 1>it will show that you are, you know, like responsibly

0:38:59.000 --> 0:39:01.400
<v Speaker 1>using credit. You're paying it off in full, and because

0:39:01.400 --> 0:39:04.520
<v Speaker 1>you're putting something really low on it, it keeps your utilization,

0:39:05.320 --> 0:39:07.520
<v Speaker 1>which is thirty percent of your score, it keeps it low.

0:39:07.960 --> 0:39:10.959
<v Speaker 1>So no, sis pay off all the debts. People always

0:39:10.960 --> 0:39:12.360
<v Speaker 1>wouldn't want to ask that, Like, you know, man, you

0:39:12.360 --> 0:39:13.839
<v Speaker 1>ever give hit that. People are afraid to like pay

0:39:13.840 --> 0:39:15.960
<v Speaker 1>off debt because they don't want to lose credit.

0:39:15.960 --> 0:39:20.520
<v Speaker 2>But I'm like, uh, they want you to think that, yeah,

0:39:20.800 --> 0:39:22.920
<v Speaker 2>they off the debt. It only helps them if you

0:39:22.960 --> 0:39:26.360
<v Speaker 2>do not. Yeah, And her question is, you know, beyond

0:39:26.960 --> 0:39:29.040
<v Speaker 2>you know, rebuilding her credit. But what are the best

0:39:29.080 --> 0:39:32.880
<v Speaker 2>credit cards to open you could literally open. I'm just

0:39:32.920 --> 0:39:34.920
<v Speaker 2>trying to think of like a funny credit card, victorious

0:39:34.920 --> 0:39:37.160
<v Speaker 2>secret credit card, as long as you're paying off the

0:39:37.160 --> 0:39:40.239
<v Speaker 2>credit card in full each month. But probably don't open

0:39:40.239 --> 0:39:43.360
<v Speaker 2>a Victoria's credit card, Okay, but that's just the anyway,

0:39:43.440 --> 0:39:46.279
<v Speaker 2>a gap credit card, and as long as you pay

0:39:46.320 --> 0:39:48.000
<v Speaker 2>it off in full, they all work the same, you know.

0:39:48.480 --> 0:39:50.400
<v Speaker 2>But if I were doing if I were you, I

0:39:50.440 --> 0:39:53.400
<v Speaker 2>would pick a credit card that you know fits whatever

0:39:53.520 --> 0:39:56.600
<v Speaker 2>my habits are. If you're wanting a credit card that

0:39:56.640 --> 0:39:58.960
<v Speaker 2>maybe gives you points, then maybe you look at cards

0:39:58.960 --> 0:40:01.120
<v Speaker 2>that give you points for things and services that you

0:40:01.200 --> 0:40:03.360
<v Speaker 2>use quite often. But if you really just want a

0:40:03.400 --> 0:40:05.239
<v Speaker 2>card that you can charge one thing to and use

0:40:05.280 --> 0:40:09.279
<v Speaker 2>it to rebuild your credit, any no fee credit card

0:40:09.360 --> 0:40:11.760
<v Speaker 2>will do, and the interest rate is whatever the interest

0:40:11.800 --> 0:40:14.200
<v Speaker 2>rate is, but you don't plan on paying them any interest, right,

0:40:14.520 --> 0:40:16.320
<v Speaker 2>as long as you paid off in full every month,

0:40:16.760 --> 0:40:19.440
<v Speaker 2>then you'll never pay any interest. So you really just

0:40:19.440 --> 0:40:22.360
<v Speaker 2>look for the card that's no fee and pretty simple

0:40:22.400 --> 0:40:24.319
<v Speaker 2>to use, maybe with a bank that you already bank with,

0:40:24.520 --> 0:40:27.439
<v Speaker 2>just for simplicity's sake, and like go from there.

0:40:27.640 --> 0:40:28.719
<v Speaker 1>Mm hmm. Right.

0:40:29.480 --> 0:40:32.000
<v Speaker 2>You can always check out a website like Magnified Money

0:40:32.000 --> 0:40:34.799
<v Speaker 2>shout out to my old boss, my old Well they're

0:40:34.800 --> 0:40:37.719
<v Speaker 2>not there anymore, but my old company magnified money dot com.

0:40:37.719 --> 0:40:39.680
<v Speaker 2>And there's credit cards dot com too, where you can

0:40:39.760 --> 0:40:41.799
<v Speaker 2>kind of look and see what's out there. It's so

0:40:41.880 --> 0:40:45.279
<v Speaker 2>many options, believe me. But I will say at the end,

0:40:45.360 --> 0:40:48.719
<v Speaker 2>you know, with the pandemic, credit card usage plummeted, especially

0:40:49.120 --> 0:40:51.640
<v Speaker 2>on cards that paid you big points for travel and

0:40:51.680 --> 0:40:54.560
<v Speaker 2>restaurants because nobody was doing either of those things anymore.

0:40:55.000 --> 0:40:58.000
<v Speaker 2>And I have seen that some banks are now bringing

0:40:58.120 --> 0:41:01.480
<v Speaker 2>back nice, juicy sign on bonus offers to try to

0:41:01.560 --> 0:41:04.160
<v Speaker 2>lure people back to using their credit cards. So you

0:41:04.200 --> 0:41:07.120
<v Speaker 2>may want to take this chance to earn some points

0:41:07.440 --> 0:41:08.800
<v Speaker 2>and pick a card that's going to give you a

0:41:08.880 --> 0:41:11.200
<v Speaker 2>nice sign up bonus. But of course, pay attention to

0:41:11.200 --> 0:41:14.040
<v Speaker 2>the fine print. You often have to spend a minimum

0:41:14.080 --> 0:41:16.080
<v Speaker 2>amount of money to get the bonus, and you don't

0:41:16.080 --> 0:41:18.799
<v Speaker 2>want to spend more than you can afford to pay off,

0:41:18.880 --> 0:41:22.120
<v Speaker 2>So read the fine print and definitely check out a

0:41:22.160 --> 0:41:24.960
<v Speaker 2>card comparison site like I mentioned Magnified Money or credit

0:41:24.960 --> 0:41:28.400
<v Speaker 2>cards dot Com to get the right card for your lifestyle.

0:41:29.200 --> 0:41:31.840
<v Speaker 1>Yeah yeah, so yeah, And we're proud of you continue

0:41:31.840 --> 0:41:32.359
<v Speaker 1>to pay off your.

0:41:32.320 --> 0:41:35.680
<v Speaker 2>Dad child ninety one k. That's nuts. I love that

0:41:35.680 --> 0:41:37.680
<v Speaker 2>they paid off their card too. I'm I was just

0:41:37.680 --> 0:41:40.040
<v Speaker 2>telling my moms today, my card's paid off. My car,

0:41:40.160 --> 0:41:42.319
<v Speaker 2>My car's paid off. It's been paid off forever. I

0:41:42.360 --> 0:41:45.640
<v Speaker 2>love it. It's my baby, even though she's she's struggling

0:41:45.719 --> 0:41:49.600
<v Speaker 2>these days. But yeah, I cardd is my least favorite

0:41:49.600 --> 0:41:50.919
<v Speaker 2>thing in the entire world.

0:41:51.719 --> 0:41:55.399
<v Speaker 1>Yeah, yeah, I just want to say thank you guys

0:41:55.400 --> 0:41:58.000
<v Speaker 1>who were like in the who are sending questions where

0:41:58.000 --> 0:42:01.920
<v Speaker 1>you talk about your getting gig with money my book.

0:42:02.200 --> 0:42:04.239
<v Speaker 1>Just thank you guys so much. Honestly, it has been

0:42:04.400 --> 0:42:06.960
<v Speaker 1>six weeks on the New York Times bestsellers list, which

0:42:07.000 --> 0:42:09.200
<v Speaker 1>is that was supposed.

0:42:08.840 --> 0:42:11.719
<v Speaker 2>To be like a fog worn I know, insane, Tiffany,

0:42:12.000 --> 0:42:14.400
<v Speaker 2>it is insane. I said that the other day to

0:42:14.440 --> 0:42:16.279
<v Speaker 2>someone and I had no reason to talk about it,

0:42:16.320 --> 0:42:17.759
<v Speaker 2>and I'm like, yeah, Tiffany, my co host, she has

0:42:17.800 --> 0:42:19.279
<v Speaker 2>the best selling book. It's been on the best selling

0:42:19.280 --> 0:42:20.600
<v Speaker 2>list for like six weeks.

0:42:20.640 --> 0:42:25.960
<v Speaker 1>I know. It's just crazy, Like literally like, yeah, we

0:42:26.000 --> 0:42:28.000
<v Speaker 1>have sold over fifty thousand copies, so you got to

0:42:28.000 --> 0:42:30.160
<v Speaker 1>get to give all heads up, be sauce since you're

0:42:30.440 --> 0:42:33.960
<v Speaker 1>BA listeners. Actually no, when this comes out, that's actually perfect.

0:42:34.640 --> 0:42:36.759
<v Speaker 1>I am going to be like, because we sold over

0:42:36.800 --> 0:42:39.880
<v Speaker 1>fifty thousand copies, we're gonna do a fifty book giveaway.

0:42:39.960 --> 0:42:41.439
<v Speaker 1>So if you haven't gotten a copy yet, you want

0:42:41.440 --> 0:42:44.200
<v Speaker 1>to win. I'm gonna be posting something on social media

0:42:44.239 --> 0:42:47.400
<v Speaker 1>on Wednesday when the podcast comes out, so follow me

0:42:47.440 --> 0:42:51.160
<v Speaker 1>on Twitter or Instagram in particular, so we'll be giving

0:42:51.160 --> 0:42:55.799
<v Speaker 1>away fifty copies of the book, signed copies, and we'll

0:42:55.800 --> 0:42:57.480
<v Speaker 1>all throw on a budget these to bracelet to go

0:42:57.600 --> 0:43:00.359
<v Speaker 1>with it. And do I.

0:43:00.280 --> 0:43:01.960
<v Speaker 2>Still not have one? I should have just snatched one off.

0:43:05.239 --> 0:43:09.960
<v Speaker 2>I know. That's so funny. And my baby cousin Ariel

0:43:10.000 --> 0:43:14.560
<v Speaker 2>graduated from high school last week. Congratulations, she's so cute.

0:43:14.920 --> 0:43:17.080
<v Speaker 2>I'm gonna give her your book. She probably won't touch

0:43:17.120 --> 0:43:20.680
<v Speaker 2>it for a while. Teenagers, But if you have a

0:43:20.719 --> 0:43:23.240
<v Speaker 2>college grad in your life, come on now, yes.

0:43:23.160 --> 0:43:27.000
<v Speaker 1>Go ahead on why that is the place to go?

0:43:27.600 --> 0:43:29.640
<v Speaker 1>And too well, like the next week, like if you

0:43:29.680 --> 0:43:31.320
<v Speaker 1>have a book club, We're gonna do something special for

0:43:31.360 --> 0:43:33.319
<v Speaker 1>book club. So I take all these videos for y'all.

0:43:33.360 --> 0:43:35.080
<v Speaker 1>So that's coming up soon too.

0:43:35.600 --> 0:43:39.319
<v Speaker 2>Oh exciting the gift that keeps on giving. Get good

0:43:39.360 --> 0:43:40.279
<v Speaker 2>with money dot com y'all.

0:43:42.520 --> 0:43:50.800
<v Speaker 1>And now it's time for booster break for the baly

0:43:53.800 --> 0:43:58.160
<v Speaker 1>is going booth? What what's gonna break? Okay? What you

0:43:58.280 --> 0:44:00.560
<v Speaker 1>going to do? Man? Dy?

0:44:00.760 --> 0:44:04.160
<v Speaker 2>Wow, that really took a turn.

0:44:04.719 --> 0:44:05.839
<v Speaker 1>I'm gonna switch it up.

0:44:06.680 --> 0:44:10.280
<v Speaker 2>That reminds me of that Christmas song. Anyway, I'm gonna boost.

0:44:10.480 --> 0:44:15.440
<v Speaker 2>I'm gonna boost a little known website called mandymoney dot com. No,

0:44:16.239 --> 0:44:21.200
<v Speaker 2>mandymoney dot com. Yes, y'all, I'm like a professional now.

0:44:21.200 --> 0:44:23.759
<v Speaker 2>I have my own website and I built it myself,

0:44:23.800 --> 0:44:25.600
<v Speaker 2>you know, Tiffany. I like to get down and do

0:44:25.600 --> 0:44:28.319
<v Speaker 2>do things the internet type things. Taught myself at a

0:44:28.360 --> 0:44:30.600
<v Speaker 2>podcast and I was like, I can build a website.

0:44:30.800 --> 0:44:33.680
<v Speaker 2>So I got me a little Squarespace account and I

0:44:33.840 --> 0:44:37.200
<v Speaker 2>have been. I've really enjoyed the I forgot how creative

0:44:37.200 --> 0:44:39.960
<v Speaker 2>I am, and I love like putting the site together

0:44:40.239 --> 0:44:42.600
<v Speaker 2>and getting to use all the amazing photos. We just

0:44:42.640 --> 0:44:44.279
<v Speaker 2>got some new pictures that we can't wait to share

0:44:44.280 --> 0:44:46.760
<v Speaker 2>with y'all, getting to use some new photos and really

0:44:46.840 --> 0:44:50.520
<v Speaker 2>just it's it's had me looking back on my career

0:44:50.560 --> 0:44:52.719
<v Speaker 2>and being like, oh damn, I did that, and that

0:44:52.920 --> 0:44:54.919
<v Speaker 2>this is great and it's been really fun to walk

0:44:54.920 --> 0:44:58.640
<v Speaker 2>down memory lane. And I don't know exactly you know

0:44:58.680 --> 0:45:00.719
<v Speaker 2>what will come from it, but it's it's been. It

0:45:00.800 --> 0:45:03.040
<v Speaker 2>feels it feels right to kind of have a home

0:45:03.280 --> 0:45:06.600
<v Speaker 2>to highlight my career and highlight what I do. So

0:45:06.680 --> 0:45:08.359
<v Speaker 2>check it out mandymoney dot com.

0:45:09.320 --> 0:45:15.760
<v Speaker 1>Well on here maybe with right now. Maybe first of all,

0:45:15.840 --> 0:45:17.280
<v Speaker 1>you built this looks great.

0:45:17.640 --> 0:45:18.799
<v Speaker 2>I did that. I did it.

0:45:18.840 --> 0:45:22.000
<v Speaker 1>Christ's cute. Many pop your curls is poppy.

0:45:23.440 --> 0:45:24.400
<v Speaker 2>Yeah, I'm excited.

0:45:24.680 --> 0:45:27.040
<v Speaker 1>No, first of all, yes it's super cute because I

0:45:27.080 --> 0:45:30.480
<v Speaker 1>love these curls. But actually it just looks like really good.

0:45:30.560 --> 0:45:31.960
<v Speaker 1>I can't belive you built this yourself.

0:45:32.600 --> 0:45:35.319
<v Speaker 2>You know I do. I do some things, so I've

0:45:35.320 --> 0:45:37.800
<v Speaker 2>been doing that. I taught myself how to use TikTok.

0:45:38.480 --> 0:45:42.520
<v Speaker 2>I'm I'm creating, I'm telling stories, I'm getting I'm really

0:45:42.680 --> 0:45:46.560
<v Speaker 2>just taking time to get back to what has always

0:45:46.560 --> 0:45:48.960
<v Speaker 2>made me happy, why I started to be a journalist

0:45:49.000 --> 0:45:51.239
<v Speaker 2>and why you know, I launched the podcast and it

0:45:51.280 --> 0:45:53.400
<v Speaker 2>feels good. So check it out. Let me know if

0:45:53.400 --> 0:45:56.320
<v Speaker 2>you have any tips or pointers, maybe follow me on Instagram.

0:45:56.320 --> 0:45:57.560
<v Speaker 2>I'm also at Mandy Money.

0:45:57.680 --> 0:46:00.440
<v Speaker 1>Yes you are, it says Mandy is relent is a

0:46:00.520 --> 0:46:05.680
<v Speaker 1>relentless advocate for your financial well being before a girl,

0:46:05.680 --> 0:46:07.239
<v Speaker 1>I don't know what prots using your hair because these

0:46:07.280 --> 0:46:08.080
<v Speaker 1>curls is everything.

0:46:08.480 --> 0:46:10.360
<v Speaker 2>Okay, that's a c Let me just tell you. That

0:46:10.480 --> 0:46:12.560
<v Speaker 2>is a curling iron and her name is Stacy. No,

0:46:13.280 --> 0:46:16.360
<v Speaker 2>those are not Yes, those are at sea. I was like, Stacy,

0:46:16.520 --> 0:46:19.520
<v Speaker 2>this is we're selling a lie to America. You do

0:46:19.600 --> 0:46:22.239
<v Speaker 2>not wake up like this Stacey individually curled each one

0:46:22.280 --> 0:46:24.280
<v Speaker 2>of them strands, and then I started thinking about man

0:46:24.440 --> 0:46:26.840
<v Speaker 2>Hillary from Fresh Prince. That was not her natural No,

0:46:27.160 --> 0:46:30.200
<v Speaker 2>that was curling irons too. Yeah, She's like, well, you know,

0:46:30.280 --> 0:46:33.240
<v Speaker 2>for photos, we should really use the curling iron. Anyway,

0:46:33.440 --> 0:46:35.600
<v Speaker 2>That's that's that secret. Let me just let me just

0:46:35.840 --> 0:46:38.040
<v Speaker 2>tell your curly hair girls out there, there's no tutorial.

0:46:38.480 --> 0:46:40.600
<v Speaker 2>It is literally do you have two hours and a

0:46:40.640 --> 0:46:41.799
<v Speaker 2>teeny tiny curling iron?

0:46:42.200 --> 0:46:45.000
<v Speaker 1>No, no, I'm not, but honestly, you look it looks

0:46:45.040 --> 0:46:48.840
<v Speaker 1>awesome and haven't really parade of you.

0:46:49.520 --> 0:46:50.160
<v Speaker 2>Thank you.

0:46:51.880 --> 0:46:58.160
<v Speaker 1>I think I'm gonna I gotta boost so I cannot

0:46:58.200 --> 0:47:04.279
<v Speaker 1>wait because I'll be taking myself six weeks off and

0:47:04.560 --> 0:47:07.160
<v Speaker 1>I don't know, I am really excited. So I'm like

0:47:07.239 --> 0:47:09.520
<v Speaker 1>planning now, Like okay, So I think I want to

0:47:10.600 --> 0:47:12.280
<v Speaker 1>I'm trying to figure because you know, I'm doing IVF,

0:47:12.320 --> 0:47:14.360
<v Speaker 1>so I have to be within like an hour's drive.

0:47:14.680 --> 0:47:17.080
<v Speaker 1>So I think I'm gonna spend at least one week

0:47:17.120 --> 0:47:20.040
<v Speaker 1>by this place called Avon by the Sea because it's

0:47:20.120 --> 0:47:23.000
<v Speaker 1>like it's basically the shore, but within an hour, within

0:47:23.040 --> 0:47:25.719
<v Speaker 1>an hour's drive of Newark. And so I'm thinking I'm

0:47:25.719 --> 0:47:27.919
<v Speaker 1>gonna spend like a week or so there. I'm still

0:47:27.960 --> 0:47:30.720
<v Speaker 1>trying to like kind of gather places, so I would

0:47:30.760 --> 0:47:34.839
<v Speaker 1>love you guys want to send me some suggestions that

0:47:34.920 --> 0:47:40.200
<v Speaker 1>are like Jersey even. Here's the thing. On the weekends,

0:47:40.200 --> 0:47:43.040
<v Speaker 1>I can take longer trips because I usually don't go

0:47:43.080 --> 0:47:45.040
<v Speaker 1>to the IVF doctor on the weekend. So the way

0:47:45.080 --> 0:47:47.600
<v Speaker 1>it works with the IVF is that when you're doing

0:47:47.760 --> 0:47:49.720
<v Speaker 1>like you know, IVF, sometimes you go to the doctor

0:47:49.760 --> 0:47:51.480
<v Speaker 1>literally every other morning because you have to take a

0:47:51.520 --> 0:47:53.760
<v Speaker 1>blood test and the scan, which is just them putting

0:47:54.320 --> 0:47:57.880
<v Speaker 1>a thing up here vagina and saying looks good in here.

0:47:57.239 --> 0:47:59.040
<v Speaker 2>Like every other day, Oh black girl.

0:47:59.440 --> 0:48:01.600
<v Speaker 1>It's a part I could be lex cock, like, hey, doc,

0:48:03.760 --> 0:48:04.359
<v Speaker 1>I just.

0:48:04.320 --> 0:48:06.319
<v Speaker 2>Pulled through the drive through with the mini skirt and

0:48:06.400 --> 0:48:08.479
<v Speaker 2>just like hey, our.

0:48:08.440 --> 0:48:12.960
<v Speaker 1>Actions and so like I just so yeah, but it's

0:48:13.000 --> 0:48:15.120
<v Speaker 1>really like, you know, it's just you're going all the

0:48:15.120 --> 0:48:18.520
<v Speaker 1>time and so but usually like like I never really

0:48:18.520 --> 0:48:20.560
<v Speaker 1>go on the weekends. So if there is like I'm

0:48:20.600 --> 0:48:22.360
<v Speaker 1>thinking of maybe doing like a Philly trip where I

0:48:22.360 --> 0:48:24.200
<v Speaker 1>can stay the weekend over, you know. So I'm trying

0:48:24.200 --> 0:48:26.960
<v Speaker 1>to figure out like yeah, so I'm like I live

0:48:26.960 --> 0:48:30.200
<v Speaker 1>in Jersey, So if you think of like anything one

0:48:30.320 --> 0:48:32.359
<v Speaker 1>then maybe I can do an extended weekend on because

0:48:32.360 --> 0:48:34.239
<v Speaker 1>I could leave like Friday and come back Sunday. Or

0:48:34.239 --> 0:48:36.640
<v Speaker 1>if I don't have a doctor's appointment on Monday, then

0:48:36.640 --> 0:48:40.359
<v Speaker 1>I can say even longer, or you know, something that's

0:48:40.400 --> 0:48:43.919
<v Speaker 1>within an hour's drive, because if I, like, for example, Eve,

0:48:43.960 --> 0:48:45.560
<v Speaker 1>I'm by the sea, it's like forty five minutes to

0:48:45.640 --> 0:48:47.520
<v Speaker 1>an hour away. So if I had to go to

0:48:47.600 --> 0:48:50.120
<v Speaker 1>the doctor, I could drive to the doctor and still

0:48:50.200 --> 0:48:52.560
<v Speaker 1>go back to my beach house. You know that I've

0:48:52.560 --> 0:48:54.239
<v Speaker 1>rented it because like one of my in rush works,

0:48:54.280 --> 0:48:55.759
<v Speaker 1>I'm literally when I say I'm not doing any work,

0:48:55.760 --> 0:48:59.840
<v Speaker 1>I'm not doing not nan bit of work. I am reading,

0:49:00.120 --> 0:49:02.200
<v Speaker 1>I'm gonna be crocheting, I'm going to be walking along

0:49:02.239 --> 0:49:04.400
<v Speaker 1>the beach and be listening to podcasts. I'm going to

0:49:04.440 --> 0:49:06.680
<v Speaker 1>be eating. Yeah, I'm going to be talking to my

0:49:06.719 --> 0:49:08.680
<v Speaker 1>friends on the phone and hanging out like I'm not.

0:49:09.200 --> 0:49:11.160
<v Speaker 1>I told them only hit me up if opor or

0:49:11.200 --> 0:49:13.960
<v Speaker 1>Michelle Obama calls say.

0:49:14.880 --> 0:49:17.520
<v Speaker 2>That's a good that's a good out of office message.

0:49:17.600 --> 0:49:21.000
<v Speaker 1>Yes, And I'm also taking a break from social media.

0:49:21.760 --> 0:49:24.839
<v Speaker 1>So because I'm like, you know what, so six weeks away,

0:49:24.880 --> 0:49:27.480
<v Speaker 1>like you'll still see posting because it'll be my team.

0:49:27.760 --> 0:49:30.960
<v Speaker 1>But like I because I don't know that I can

0:49:31.000 --> 0:49:33.359
<v Speaker 1>truly take a break if I'm on social media because

0:49:33.360 --> 0:49:35.240
<v Speaker 1>so much of my social media is wrapped up in business,

0:49:35.280 --> 0:49:37.439
<v Speaker 1>you know. Yeah, so because I know me, I'll see

0:49:37.440 --> 0:49:40.200
<v Speaker 1>something like ooh, logan, can you change that caption? It

0:49:40.239 --> 0:49:42.279
<v Speaker 1>could be spicier, and I'm like, grab now, we're not

0:49:42.320 --> 0:49:47.280
<v Speaker 1>doing that. So no social media, you know, no, no email,

0:49:47.719 --> 0:49:51.360
<v Speaker 1>no nothing, just like a reset and really just like

0:49:51.400 --> 0:49:53.239
<v Speaker 1>I want to reconnect and the side like you no,

0:49:53.600 --> 0:49:55.520
<v Speaker 1>like what do I want to do next? I have

0:49:55.640 --> 0:49:58.480
<v Speaker 1>so many opportunities that are kind of floating in the

0:49:58.520 --> 0:50:01.480
<v Speaker 1>air and just deciding like what what direction to go into?

0:50:01.480 --> 0:50:03.960
<v Speaker 1>So I'm excited about that, but I welcome your suggestions.

0:50:04.400 --> 0:50:07.360
<v Speaker 1>I live in Newark, so if you're like, ooh, girl,

0:50:07.440 --> 0:50:10.000
<v Speaker 1>we stayed here and it was only an even an

0:50:10.040 --> 0:50:11.840
<v Speaker 1>hour and a half, where I wouldn't mind, you know,

0:50:12.000 --> 0:50:14.000
<v Speaker 1>So like just you know, I'm just looking for like

0:50:14.040 --> 0:50:16.719
<v Speaker 1>suggestions and ideas because I'm literally putting together the plan

0:50:16.840 --> 0:50:19.440
<v Speaker 1>right now because I don't want to go into the

0:50:19.480 --> 0:50:22.000
<v Speaker 1>six weeks and I haven't kind of decided what I'm

0:50:22.000 --> 0:50:24.000
<v Speaker 1>gonna do or else. It's just gonna like slip away.

0:50:24.000 --> 0:50:25.360
<v Speaker 1>And I'm like, I didn't do anything.

0:50:25.680 --> 0:50:30.080
<v Speaker 2>You know, You're exactly like me when it comes to downtime, like, so,

0:50:30.160 --> 0:50:33.799
<v Speaker 2>what's the plan for relaxing? Exactly? I need my to

0:50:33.880 --> 0:50:36.759
<v Speaker 2>do list for fun. My therapist is like, why don't

0:50:36.760 --> 0:50:37.560
<v Speaker 2>you just do nothing?

0:50:37.760 --> 0:50:37.880
<v Speaker 1>Now?

0:50:38.000 --> 0:50:41.240
<v Speaker 2>I don't understand. That's a waste of time.

0:50:41.360 --> 0:50:43.840
<v Speaker 1>I don't want to, like I know me, I don't.

0:50:44.640 --> 0:50:47.120
<v Speaker 1>I don't want to like not go someplace and like

0:50:47.560 --> 0:50:49.239
<v Speaker 1>you know what I mean, because I'll be like, oh wait,

0:50:49.280 --> 0:50:51.480
<v Speaker 1>I want to go that everything's booked, So I'm just like, yeah,

0:50:51.520 --> 0:50:55.240
<v Speaker 1>at least I would like at least three different outings,

0:50:55.280 --> 0:50:57.520
<v Speaker 1>one that's a week long and maybe two weekend outings.

0:50:57.600 --> 0:50:57.759
<v Speaker 1>You know.

0:50:58.000 --> 0:51:02.520
<v Speaker 2>So, yeah, you, I'm so excited for you. I'll miss

0:51:02.560 --> 0:51:05.480
<v Speaker 2>you those six weeks. But we will have some fun

0:51:05.520 --> 0:51:07.640
<v Speaker 2>co hosts on the show joining us. But hopefully we

0:51:07.680 --> 0:51:11.440
<v Speaker 2>can start announcing soon. I guess that's coming up. So

0:51:11.480 --> 0:51:13.520
<v Speaker 2>next week will be your last show, I.

0:51:13.600 --> 0:51:17.960
<v Speaker 1>Believe so well. I actually the because I'm really done,

0:51:17.960 --> 0:51:20.319
<v Speaker 1>like well, yeah, I mean I'm trying to decide if

0:51:20.360 --> 0:51:22.040
<v Speaker 1>I'm gonna take that Monday because it's the thirty first.

0:51:22.080 --> 0:51:23.759
<v Speaker 1>I said, like the first, but I'm kind of.

0:51:25.680 --> 0:51:27.759
<v Speaker 2>So, I don't think we have a co host said,

0:51:27.840 --> 0:51:30.080
<v Speaker 2>so you should probably come down and then you can

0:51:30.080 --> 0:51:34.400
<v Speaker 2>be done. Okay, yeah, all right, awesome. Well this was

0:51:34.440 --> 0:51:38.719
<v Speaker 2>a fun show. It was excited for your your time off.

0:51:39.239 --> 0:51:41.680
<v Speaker 2>I hope Michelle, I do hope she calls you. But

0:51:41.719 --> 0:51:43.520
<v Speaker 2>also I'm like, can you wait until.

0:51:44.960 --> 0:51:46.560
<v Speaker 1>But I will say Oprah did reach out. We're not

0:51:46.560 --> 0:51:48.840
<v Speaker 1>Oprah her own. I'm gonna be taking my first flight

0:51:49.040 --> 0:51:50.719
<v Speaker 1>this Fridays. I'm taping something for own.

0:51:50.800 --> 0:51:53.640
<v Speaker 2>So that's Oh my god, you're one. I'm telling you,

0:51:53.640 --> 0:51:57.360
<v Speaker 2>you're one stone way from Lady Oh. You're gonna be

0:51:57.360 --> 0:51:59.640
<v Speaker 2>on her patio in Santa Barbara doing some kind of interview.

0:51:59.680 --> 0:52:00.200
<v Speaker 2>I don't know what.

0:52:01.040 --> 0:52:03.600
<v Speaker 1>So Sunday, it's on Super So Sundays on my so

0:52:03.719 --> 0:52:04.560
<v Speaker 1>my vision board.

0:52:05.960 --> 0:52:09.200
<v Speaker 2>Love it. All right, girl, We'll have a good rest

0:52:09.239 --> 0:52:12.400
<v Speaker 2>of your week and we will see y'all next week.

0:52:12.840 --> 0:52:30.239
<v Speaker 2>Bye bye bye