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Speaker 1: And now onto our show. Hey, hey, hey, we're back.
Speaker 1: We're black, We're bred. Welcome black Man.
Speaker 2: Traw Hey, happy Brandon Ambition Wednesday.
Speaker 1: Hey how are yeah?
Speaker 2: Oh you know, maskless and feeling fancy free. I'm just kidding,
Speaker 2: never taking noopopop up up up up nupe. I actually
Speaker 2: turned back around and forgot a mask today. I was
Speaker 2: going to Target. And I don't really understand the new
Speaker 2: CDC guidelines. Even though they say that if you're vaccinated
Speaker 2: you don't need to wear masks indoors anymore, I'm still
Speaker 2: afraid that a business is like gonna kick me out
Speaker 2: for not having one. It's all very We're in this
Speaker 2: weird kind of transitional period. I think where the lines
Speaker 2: are just kind of blurry, and but honestly, for my
Speaker 2: own safety, I know people are out there being nasty
Speaker 2: and like, how do you know if someone's vaccinated or not.
Speaker 2: I'm not going to ask, so I will be masking
Speaker 2: up until the end of the world. I don't know
Speaker 2: how do we go back now?
Speaker 1: I know, I don't even know that we can. I
Speaker 1: don't even know honestly. I mean, I got my first shot,
Speaker 1: and I get my second one in a couple of weeks.
Speaker 1: And even still, I did it because I was just like,
Speaker 1: you know, I see my parents more and more and
Speaker 1: my dad is almost eighty. I'm just like, you know what,
Speaker 1: I just get nervous, you know.
Speaker 2: So yeah, I will say to our listeners if you're
Speaker 2: if you're wondering whether or not you should get the vaccine.
Speaker 2: Even still, I was talking to a friend of mine
Speaker 2: and I was I was really surprised that she said
Speaker 2: that she wasn't going to get vaccinated and she's not
Speaker 2: even she's like, you know, late thirties, and she said,
Speaker 2: I'm just going to see if y'all, you know, end
Speaker 2: up growing.
Speaker 1: Tech literally what Superman said, because he's not getting vaccined.
Speaker 1: He's like, yeah, he said, what if we turn into zombies?
Speaker 1: What if they flip the switch we all become zombies.
Speaker 1: I said, well we'll be in zombie love.
Speaker 2: Oh man.
Speaker 1: Yeah.
Speaker 2: I mean it's definitely a personal choice. It's you know,
Speaker 2: it's a personal choice. But I do feel like I
Speaker 2: get really nervous about the future of I mean, my
Speaker 2: existential crisis is like if we don't like just get
Speaker 2: a vaccination for each other and put on a damn
Speaker 2: mask for each other, like we it's not love thy
Speaker 2: neighbor up in this country sometimes, like it's not even
Speaker 2: about sometimes your personal comfort level. It's just kind of
Speaker 2: putting other people before you. Not that I don't think
Speaker 2: people who don't get vaccinated are all doing it for
Speaker 2: selfish reasons, but it's almost like I want to talk
Speaker 2: to a lot a lot of people and just hear,
Speaker 2: you know, why aren't you getting vaccinated? What is it
Speaker 2: about it?
Speaker 1: Maybe I'm just to herd like I get it because
Speaker 1: people are like, well, how do I know what's in it?
Speaker 1: How do I know I'm gonna be okay? That's like
Speaker 1: I know Superman's biggest worry and so like, yeah, so
Speaker 1: I can understand. I guess I think what will happen
Speaker 1: is as more people get vaccinated and you know, there's
Speaker 1: not whatever scary ramification, then people will be like, Okay,
Speaker 1: let me go ahead and do.
Speaker 2: That, you know, yeah, just waiting for more time to
Speaker 2: go buy. I do think for myself it was such
Speaker 2: an easy of course, Like I was just desperate for
Speaker 2: the for the end of this insanity, just for a
Speaker 2: silver lining. And I have been there is this like
Speaker 2: a little bit of euphoria, you know. I took I
Speaker 2: took Rio to the grocery store for the first time
Speaker 2: in his life a couple of weeks ago, and just
Speaker 2: that sense of normalcy. It's it was I love going
Speaker 2: to the store with him now. We never really got
Speaker 2: to do that. He's such a quarantine baby. Or the
Speaker 2: playground or we went to the zoo and he touched
Speaker 2: stuff and like I wasn't you know, it makes me
Speaker 2: I'm loving this new I guess, this new New Year,
Speaker 2: it feels like but for babies. Yeah, it's that's going
Speaker 2: to be the part where I start to really really
Speaker 2: really really read the science, you know, around how the
Speaker 2: littles are are reacting to it. But at the very
Speaker 2: least masking up until further notice. But yeah, shouts out
Speaker 2: to the CDC. But my trust level for Americans is
Speaker 2: not quite there right now, America, America. What else is
Speaker 2: going on?
Speaker 1: So I feel like such a grown up, so well
Speaker 1: grown up in business. So I am like so many businesses,
Speaker 1: you know, you have like contractors forever and ever and ever.
Speaker 1: So recently I've been wanting to do this, but it's
Speaker 1: expensive to switch people from contractor to employees. So now
Speaker 1: we officially have seventeen employees, fifteen of which are wait
Speaker 1: fifteen twelve of which are full time, and five are
Speaker 1: which are part time. And so the difference between like
Speaker 1: you know, contractor employee employee, you know, you know they
Speaker 1: you know, you work a set hour, set of hours.
Speaker 1: You there's a certain set of parameters. But if you're
Speaker 1: a contractor, basically you get hired for a project and
Speaker 1: you get it done whenever you get it done. But
Speaker 1: we're not your only client that you don't live and
Speaker 1: die by us, you know. But so many businesses when
Speaker 1: they start, they can't afford to have employees because with
Speaker 1: employee you have to pay like payroll tax, you have
Speaker 1: to provide some sort of like you know some you know,
Speaker 1: some kind of insurance. There's all these expenses that make
Speaker 1: like if I'm going to pay you as an employee,
Speaker 1: say like one hundred thousand dollars, it could be like
Speaker 1: an addition a few tens of thousand of dollars to
Speaker 1: also pay for additional things on top of what it
Speaker 1: costs to have you as an employee for your pay.
Speaker 1: So as a result, so many people have a hard
Speaker 1: time getting actual employees. Yeah, but I'm just really proc
Speaker 1: because I'm like done to Dada. It's been something we've
Speaker 1: been working on for a long time, and I was like,
Speaker 1: we have employees, not just that, but because one of
Speaker 1: our we really want to thank the employees that are here,
Speaker 1: so you know, the ones that are here, Like if
Speaker 1: you if you come brand new, like next year, it's different.
Speaker 1: But for the ones you know that have been that
Speaker 1: are currently employees and make the switch over, we're paying
Speaker 1: one hundred percent for their health insurance, dental, medical, as
Speaker 1: well as vision. And everyone has a four win K
Speaker 1: and we have a matching program. So I well, I
Speaker 1: don't know how much it is. So this is how
Speaker 1: the matching program.
Speaker 2: Works for us.
Speaker 1: Okay, It's like what happens because we used to do
Speaker 1: bonuses at the end of the year. So basically we
Speaker 1: kind of see like what happens at the end of
Speaker 1: the year profit loss, Like we made this much, we
Speaker 1: spent this much. Hey, there's money left over. So with
Speaker 1: that money left over, that's what we're going to put
Speaker 1: into the match, Like, you know, we've got enough to
Speaker 1: match you at three percent, great enough to match you
Speaker 1: with you know, ten percent whatever that looks like, we're
Speaker 1: gonna use that kind of like instead of doing bonuses,
Speaker 1: we'll do matches.
Speaker 2: Yeah, so you're not going to need HR and we
Speaker 2: do and we.
Speaker 1: Have an HR eight. Can you imagine like what Yeah,
Speaker 1: shout out to daphneed girl. Yes, honestly, Mandy, I feel
Speaker 1: the twenty twenty was both a great and hard year
Speaker 1: for business because although we were kind of like growing,
Speaker 1: we were also like there are pieces of the business
Speaker 1: that were crumbling because you cannot operate the same way
Speaker 1: as you grow in business, and so we were trying
Speaker 1: to hold on and it was like, no, girl, you
Speaker 1: have to like, you're the reason why it's crumbling is
Speaker 1: because you're outgrowing this way of doing business. You have
Speaker 1: to switch over to official employees. You have to have
Speaker 1: benefits you have to have for you know, like retirement plans,
Speaker 1: you have to you know, you have to have hr
Speaker 1: you have so like literally twenty twenty twenty and twenty
Speaker 1: twenty one, that's what we've been really working on. We
Speaker 1: have slowed down like our growth as far as like
Speaker 1: income growth, and focused the majority of our energy to
Speaker 1: foundational growth, which has been awesome because now we've got
Speaker 1: this strong foundation. Like we had to redo the way
Speaker 1: we did our taxes and read. There was just so
Speaker 1: many foundational things that we were kind of like, oh,
Speaker 1: we'll do it later, we'll do later, and it's like
Speaker 1: no later, it is now. And now we are like
Speaker 1: so strong as a result, like we're like a company
Speaker 1: company even though you know we've been here for some time.
Speaker 1: When you'd be I promise you you'd be surprised how
Speaker 1: many of your you know, fave small business owners are
Speaker 1: like yeah, one day girl employees. Because it's hard, you know.
Speaker 2: It's not cheap worse yeah, and you know, not cheap.
Speaker 1: Like I'll say, like for example, just for it, just
Speaker 1: for the plan that we chose for it costs us
Speaker 1: almost like oh maybe a little under two hundred thousand
Speaker 1: dollars for my health insurance package. Think about that right
Speaker 1: for the company, for like my employees, and then think
Speaker 1: about like we're not even including payroll tax. We're not
Speaker 1: even including you see what I mean. Like it's just
Speaker 1: really expensive and so it's just not something that's easily done.
Speaker 1: So the fact that it's done, and it's done in
Speaker 1: a way that because we've been saving for it, like
Speaker 1: this is something I'm like, oh, this is what I'm wanting.
Speaker 1: So we save like almost double what we needed so
Speaker 1: we could be like really secure. I just felt really
Speaker 1: proud of like how hard the team work you've been
Speaker 1: having like hr meetings, Like it's just been in just
Speaker 1: to say, hey, for those of you who are here now,
Speaker 1: as a thank you for putting in so much work
Speaker 1: to build this business alongside of me. Like all of
Speaker 1: your health insurance you don't have to come out of pocket,
Speaker 1: like the company takes care of them for you. It's
Speaker 1: not going to reduce because that was one of the worries.
Speaker 1: It's like, eh, you know, because when you're a contractor,
Speaker 1: you get all your money. If you make a hundred thousand,
Speaker 1: you get a hundred thousand, then pay your own taxes,
Speaker 1: but here you know your money is going to be
Speaker 1: reduced because the government takes your taxes out of your paycheck.
Speaker 1: And I didn't want to also take your insurance out
Speaker 1: of your paycheck as well, So I'm like, no, we
Speaker 1: will cover that, you know. So it just feels really
Speaker 1: good to be like like like yeah, our staff is
Speaker 1: just like wait what, So it just feels it feels awesome.
Speaker 1: I feel like a big girl in business.
Speaker 2: I'm so proud of you. I know that. I know
Speaker 2: that office spaces are just have gone the way of
Speaker 2: the Dodo bird these days. But I mean as the
Speaker 2: budget needs to office ever in the future, No, for real.
Speaker 1: Because honestly, I at what I love is because we're
Speaker 1: all digital. The transition to like digital was like, I
Speaker 1: won't say easy, because there are so many of the
Speaker 1: people on our staff are women, so and many of
Speaker 1: the women have kids at home, so that part was
Speaker 1: definitely challenging. But as far as like, you know, people
Speaker 1: are like, well, how do you get people motivated when
Speaker 1: they're not in the office. Well, we've been doing that
Speaker 1: for the I mean we've never had office so we
Speaker 1: figured out that energy and that vibe and how to
Speaker 1: trust people and I don't sweat people. And I'm like, girl,
Speaker 1: it's okay for you to take the meeting at the park.
Speaker 1: Why are you pushing the baby on the swing? You
Speaker 1: can hear me, I can hear you.
Speaker 2: Right, okay girl?
Speaker 1: Yeah?
Speaker 2: Did you see that quote from that we work ceo?
Speaker 2: It was in the journal. I don't know when it
Speaker 2: was last week or some I don't know. My blood
Speaker 2: my blood was boiling, he was quoted in the journal.
Speaker 2: I don't have it right in front of me, but
Speaker 2: I'll track it down. He was quoted in the journalist saying,
Speaker 2: if you really want to see who your most dedicated
Speaker 2: employees are, see who's eager to come back to the office.
Speaker 1: There has nothing to do anything right.
Speaker 2: And I mean the reason why blood was boiling is
Speaker 2: because in one sentence, one sentence, this man just proved
Speaker 2: why women it's just never gonna if what we're striving
Speaker 2: for is to succeed in this world, the world where
Speaker 2: people like that become CEO, and let's not you know,
Speaker 2: let's not lie. Pretend like the majority of CEOs and
Speaker 2: in executive level positions are held by men, and especially
Speaker 2: white men. How are we supposed to exist in a
Speaker 2: role where that is how they think of it. Your
Speaker 2: dedication is who's willing to schlep to the office. That's
Speaker 2: how dedicated. And it makes it seem like people who
Speaker 2: work from home for reasons such as work life balance
Speaker 2: to just have some semblance of sanity, you know, to
Speaker 2: not be sitting in a car or on a train
Speaker 2: commuting to and from work, you know, to be doing
Speaker 2: it so that they can spend more time with their family,
Speaker 2: or for whatever reason, just because it makes them more productive.
Speaker 2: Even it just pissed me off because he is completely
Speaker 2: proof positive that there's still that line of thinking out there,
Speaker 2: no matter how much some companies want to say that
Speaker 2: they support working moms and working parents and blah blah blah,
Speaker 2: it was clear that it was maybe for a season
Speaker 2: for a lot of people, and for people who who
Speaker 2: don't want to go back to work. Are you going
Speaker 2: to be like, is there going to be unconscious biased
Speaker 2: against you. Are people going to be thinking that, oh,
Speaker 2: you're just not as dedicated, Because that, to me is
Speaker 2: a load of bullshit. And as someone who used to
Speaker 2: be a complete I liked going to the office. I
Speaker 2: like taking my little cup, I like to get my
Speaker 2: latte at my favorite coffee shop and going for walks
Speaker 2: and shooting the breeze with my coworkers. All that I
Speaker 2: thought I was more productive at work. I love working
Speaker 2: from home now. And I was just on the phone
Speaker 2: the other day with someone and they were like, do
Speaker 2: you think you'll ever work in an office again? And
Speaker 2: I'm just like, I don't. It doesn't appeal to me
Speaker 2: in any way. And I don't think that it says
Speaker 2: anything about someone's dedication or their talent or their worthiness
Speaker 2: if they don't want to go back to an office.
Speaker 2: It was completely acidine.
Speaker 1: It doesn't. And honestly, that is the way of Like,
Speaker 1: here's the thing. What's so awesome is you get to
Speaker 1: see people destroy their own industry and companies they're in.
Speaker 1: I'm like, keep talking like the idiot that you are, Like, honestly,
Speaker 1: we work. I'm sorry, I don't.
Speaker 2: We've all I mean, but let's se they're a real
Speaker 2: estate company at the end of the day, so of
Speaker 2: course they want offices to be reopened. So think about
Speaker 2: when people are saying those things exactly exactly.
Speaker 1: But I will say this that like that has nothing.
Speaker 1: I mean, I have some of the most dedicated, like caring.
Speaker 1: Like what I really love about, like, you know, working
Speaker 1: with the people that I work with, is that you
Speaker 1: can reach out for beyond like what you're going through
Speaker 1: is over example, like Tracy, the publicist on my team,
Speaker 1: she was like, wait, something something about taxes. I was like,
Speaker 1: I don't know, girl, But about her own business, I said,
Speaker 1: ask Chanta Shaanton's our CFO. She as chanton chantons like,
Speaker 1: oh no, no, just do it like this. Sonta was like, well,
Speaker 1: I have to ask Latrise something about which Latrise does
Speaker 1: all of our like all of our email communications. Like
Speaker 1: she's my tech like manager, and so when you're trying
Speaker 1: to figure out like what tech system to use, you
Speaker 1: ask Latrese. And even though so Shanta was asking about
Speaker 1: her personal business, you know, but what I love is
Speaker 1: that I encourage folks to work on their own dreams
Speaker 1: and even help by promoting on our platforms, but also
Speaker 1: too to figure out what works best for you. I
Speaker 1: can't tell you to how many times I've taken a
Speaker 1: meeting on a walk, because I know I'll look to say, okay,
Speaker 1: this is out. One of those meetings will have to
Speaker 1: be in front of my computer, or maybe there is
Speaker 1: something that someone's gonna want to send show me really quickly.
Speaker 1: But girl, that's what smartphones are for. I can take
Speaker 1: a look, you know, because I need There's no time
Speaker 1: for me to take a walk today and this is
Speaker 1: the only time. And everyone knows that, like, you have
Speaker 1: the space and the freedom to navigate. My my expectation
Speaker 1: is that you're going to deliver whatever excellence like excellence,
Speaker 1: but however you want to deliver it. And I just
Speaker 1: think that more and more of these companies are going
Speaker 1: to lose out to companies that know how to navigate.
Speaker 1: I was just literally telling two people on my team
Speaker 1: today my business the Budgetissa time, I'm really I'm wanting
Speaker 1: to use it as like a social experiment. So I've
Speaker 1: got my literature academy and my online school that business
Speaker 1: like mixed the most. And then I'm shutting down my
Speaker 1: marketing company because I'm just like, oh girl, we don't
Speaker 1: need it, and I really focusing on the budget, Nista.
Speaker 1: But this social experiment is this instead of saying what
Speaker 1: can the business make, we're asking team members, what do
Speaker 1: you want to make? Let's come to a con census,
Speaker 1: like like C suite, Let's just say c Sweet says
Speaker 1: we want to make two fifty okay, manager lever you
Speaker 1: want to make one fifty okay? Or direct your level
Speaker 1: one fifty, manager level one hundred thousand, okay. Like figuring
Speaker 1: out what that is.
Speaker 2: And so you're talking about salary, like what do you.
Speaker 1: Actually want to make, right, and then saying how much
Speaker 1: does the company have to make to hit that number
Speaker 1: so we can pay and still like save and all
Speaker 1: the other things we do, Like let's just say it's
Speaker 1: ten million dollars, okay, Well, if we make ten million
Speaker 1: dollars by June or July, then we can literally do
Speaker 1: next to nothing for the rest of the year. That's
Speaker 1: my aim is to figure out what the not to overwork,
Speaker 1: but to figure out what is it that we're wanting
Speaker 1: to make collectively, figure out how much that is put
Speaker 1: in the work, and then like not that there will
Speaker 1: be no work, but maybe we use the rest of
Speaker 1: the year to experiment on new products that we can
Speaker 1: kind of lollygag on, you know, knowing that you could
Speaker 1: take more time off you can work on your own business,
Speaker 1: Like why why not? Why couldn't it be like that, Yes,
Speaker 1: we can make twenty million and sleep less, or we
Speaker 1: can make ten and make the amount that we've decided.
Speaker 1: So that's one of the experiments that like we're putting
Speaker 1: into action for next year to really figure out what
Speaker 1: is it that we're wanting to make, how much we
Speaker 1: have to make to get it, and if we get
Speaker 1: it early, then we get to really like fall almost
Speaker 1: all the way back the rest of the year, because
Speaker 1: why not what you know, Like I just think that
Speaker 1: like companies have to be run differently or be left behind.
Speaker 1: Like I'm not trying to kill myself, honestly, I'm trying
Speaker 1: to have this baby. I'm trying to, like, you know,
Speaker 1: potentially have a show. I want to you know, I
Speaker 1: want to make more than enough. I would I want
Speaker 1: to take home a second well already that now, but
Speaker 1: I want to take home a specific amount of money.
Speaker 1: And then you know, if I could be done by
Speaker 1: June sis all the better, you know what I mean.
Speaker 1: Then I could be like, oh, let me lean into
Speaker 1: Molly Moore a project that doesn't make much money but
Speaker 1: it's fun, or let me you know, I don't know,
Speaker 1: I can A lot of people ask me to volunteer
Speaker 1: my time, but I don't have as much time to
Speaker 1: volunteer because I'm like, oh, we have to make money
Speaker 1: in order to hit our No. Now I could be like, oh,
Speaker 1: I could spend the rest of the year that all
Speaker 1: my speaking engagements, I can give them away for free
Speaker 1: to nonprofits and churches and things like that. And so yeah,
Speaker 1: I'm just there has to be a better way to
Speaker 1: do this in business and instead of like big for
Speaker 1: big sake, like what's the purpose? We already know that
Speaker 1: we're serving our community, but it's like, now I kind
Speaker 1: of want to do an about face, like the people
Speaker 1: who are doing the serving, how do I make sure
Speaker 1: that you get served? That's really important to me. So yeah,
Speaker 1: it is.
Speaker 2: I love that I having worked for several publicly traded
Speaker 2: companies where it is all about that quarterly earnings period,
Speaker 2: like what are we going to tell Wall Street? Our
Speaker 2: revenue was? What are we going to tell our shareholders?
Speaker 2: You know, what's the stock price? And even if you
Speaker 2: were a bottom rung employee or the top I mean,
Speaker 2: no matter what they say at the end of the day,
Speaker 2: that is what they care about the bottom line. And
Speaker 2: it is that constant grind. And it's also I love
Speaker 2: that you're even just questioning working for work's sake. You know,
Speaker 2: being on the hamster wheel as a corporation, and as
Speaker 2: you're describing it, it reminds me of what happens when
Speaker 2: you have financial freedom on a personal level, like when
Speaker 2: you have money in the bank, to where someone else's
Speaker 2: choice doesn't really have an impact on what you can do.
Speaker 2: Like you have the freedom to not need, you know,
Speaker 2: to work for a certain person if they offend you
Speaker 2: or if they don't welcome you know, the fact that
Speaker 2: you have got a kid in the background, or they
Speaker 2: don't like that you take walks. You can walk away
Speaker 2: from that. You don't have to fester and anger. You
Speaker 2: have a choice to remove yourself from that situation. And
Speaker 2: I yeah, so that's what I love about it. It sounds
Speaker 2: like that's where I have always been laser focused on,
Speaker 2: is getting to a place of personal financial freedom, to
Speaker 2: where I don't nothing bothers me because I have a
Speaker 2: choice to walk away from anything that does at the
Speaker 2: end of the day. And I can make choices now
Speaker 2: for my family because of the steps I've taken to
Speaker 2: to invest and save and you know, keep expenses very
Speaker 2: very low, not very low, but keep stay comfortable, but
Speaker 2: not just acquire things and acquire a bigger this and
Speaker 2: a better that, because that's what it feels like I'm
Speaker 2: supposed to be doing. But to really be thoughtful about
Speaker 2: the things that I do purchase and the things that
Speaker 2: you know, we spend our money on things that actually
Speaker 2: bring joy, you know, experiences and yeah, the occasional thing,
Speaker 2: but a thing that isn't it, you know, something that
Speaker 2: we can share together, that kind of thing so that
Speaker 2: we're we're free to make those decisions. And it feels
Speaker 2: so damn good and I would love to. I mean,
Speaker 2: I'm just I'm excited for the budget, Nista and all
Speaker 2: your employees because there you call them the unicorn squad,
Speaker 2: but that's a unicorn culture too. There's I've heard other
Speaker 2: philosophies like this in business, but it's certainly not the norm.
Speaker 2: The norm is still that grind, grind till you die.
Speaker 2: And we got to stop. We got to stop, Like
Speaker 2: what's the word? We have to stop? Like one, it's
Speaker 2: the damn word, Tiviany Hill girl.
Speaker 1: Oh, I feel like we have to hustle culture where it's.
Speaker 2: Postal hustle culture to where we we say this is
Speaker 2: the way it's got to be. We glamorize it you know,
Speaker 2: burn burnout and exhaustion and slapping to the office even
Speaker 2: though it makes you angry and sucks away your soul,
Speaker 2: just because well, people think this is what we should
Speaker 2: be doing. Just thinking of things differently. It's amazing.
Speaker 1: Yeah, I just I'm excited because I'm just like, what
Speaker 1: if we can normalize that, you know, like I think
Speaker 1: my remember my biggest thing I told you, Mandy, that
Speaker 1: was like, I wasn't gonna write like a business book
Speaker 1: until I hit ten million dollars in revenue because feel
Speaker 1: like people would take me seriously. You know, it's because
Speaker 1: I want to be able to say you can do that.
Speaker 1: You know you can. You cannot work people to death,
Speaker 1: You cannot try to squash their dreams. You can actually
Speaker 1: encourage them to have businesses and actually help their businesses grow.
Speaker 1: I help so many people on our team with their businesses,
Speaker 1: whether it's advice or free advertise or whatever. You can
Speaker 1: do that and people still stay with you. People are like, well,
Speaker 1: if you help her girl her business, wat shoes, she stay.
Speaker 1: Here's the thing. If you're amazing, you're not gonna stay
Speaker 1: even like you can. I'm not worried if someone's going
Speaker 1: to leave we create such an amazing environment that we
Speaker 1: will always have good employees. We will like anytime we're
Speaker 1: looking for someone, we get flooded by so many amazing
Speaker 1: people who want to work with us. So if someone
Speaker 1: decides to leave because they have a we have someone
Speaker 1: right now with this an amazing want in a lifetime opportunity.
Speaker 1: And she's like, you know, in her last round of interviewing,
Speaker 1: the fact that she came to us and told us
Speaker 1: and we're all wishing her wealth, like we hope you
Speaker 1: get it, and she's like, even if I get it,
Speaker 1: I'm still gonna work here part time. We're like, girl,
Speaker 1: you are not gonna be working part time, because it
Speaker 1: was it's a want in a lifetime, amazing opportunity. But
Speaker 1: the fact that she's telling us she's going on interviews
Speaker 1: and she's excited and we're not like, well, girl, by
Speaker 1: you're fired. And the fact that it's an environment that
Speaker 1: you can say that and we wish you well and
Speaker 1: like we do because where there's one of her, there
Speaker 1: is more of her because we create an environment that
Speaker 1: fosters that kind of person to seek us out and
Speaker 1: want to work with us. You know, like most people
Speaker 1: who have started with me are still here. You know,
Speaker 1: very rarely have I let someone go. And even the
Speaker 1: people that we've let go, ninety five percent of them
Speaker 1: I still converse with and email with and text and
Speaker 1: check on them. Was it was very amiable, amicable, and
Speaker 1: you know, we let them go with kindness and money.
Speaker 1: I mean, I know, we don't have to give three
Speaker 1: people three months worth of severance when you're a contract,
Speaker 1: but we did because I'm like, well, you're a mom
Speaker 1: and I don't want to see you struggle, or you're
Speaker 1: a mom and I don't want to see without a job.
Speaker 1: Let me help you find something else. So as a result,
Speaker 1: we put a lot of really good business karma out there.
Speaker 1: But I think there's a different way that people can navigate.
Speaker 1: And what I want is that people start to demand
Speaker 1: more from where they work and let these businesses that
Speaker 1: want to mistreat you let them suffer.
Speaker 2: Yeah, create your own financial safety net so that you
Speaker 2: don't like you're continuing to work there. Gives them a
Speaker 2: sense of oh, well, whatever we're doing must be working
Speaker 2: because people are still here. Like you may be there
Speaker 2: because you've got debt and you have to pay it off,
Speaker 2: or because you feel like you know you're stuck and
Speaker 2: there's nothing else out there for you but finance. I mean,
Speaker 2: money is not the enemy. It is a tool for
Speaker 2: you to use to get to your purpose and to
Speaker 2: get to a place where you're happy. It can exist
Speaker 2: like you can do work that feeds you and makes
Speaker 2: you happy and build a life for yourself that that yes,
Speaker 2: that that you feel like represents what you're best at.
Speaker 2: It makes you, that brings you joy and at the
Speaker 2: end of the day, if you have that's what I
Speaker 2: love this show when we talk about the time, it's
Speaker 2: it's the simple steps you can take to create that
Speaker 2: financial cushion so that you can make choices thoughtfully for
Speaker 2: your best interest. Because at the end of the day,
Speaker 2: whoever you're working for, they're going to be looking out
Speaker 2: for their best interest ninety nine percent of the time, right,
Speaker 2: So it's just a different it's a different way of feeling,
Speaker 2: and it's like proof of what can happen when you
Speaker 2: just make choices that take away that you know, that
Speaker 2: hanging that sense of dread hanging over you, the financial
Speaker 2: you know, the financial weight on your shoulders, I can
Speaker 2: hold you back and keep you at a place that
Speaker 2: is not giving you that is not giving you purpose
Speaker 2: or giving you like any happiness at all. Where you
Speaker 2: is it budgeties dot com slash hiring? Is that what
Speaker 2: we can look for?
Speaker 1: I always said, we're not My thing is like we're
Speaker 1: not hiring right now, but we always take resumes and
Speaker 1: you'd be surprised, Like I'll be like, oh, we're not hiring,
Speaker 1: and somebody will send a resume. I'm like, oh, you
Speaker 1: know what, somebody on the tea will be like, Tiffany,
Speaker 1: I need it. I'm like, I just got a resume, girl,
Speaker 1: I'm sending it over. So I always help.
Speaker 2: You future shot.
Speaker 1: Yeah, no, for real, because you just you just never know,
Speaker 1: Like there's not one position that we're like okay, But
Speaker 1: like I said, like the last person we just hired
Speaker 1: with someone we weren't hiring and then we ended up
Speaker 1: needing someone and her resume was already in my inbox
Speaker 1: and she ended up being an amazing fit. Yeah. We
Speaker 1: have a lot of corp corporate refugee over at Budgetista.
Speaker 1: I'm like, let those places suffer. They don't deserve you, honestly,
Speaker 1: I mean I get it, like if you have to
Speaker 1: you have to feed your family, you got to take
Speaker 1: care of your kids. You have to, but keep your
Speaker 1: eye out for there are more places popping up that
Speaker 1: know how to treat people, places that you know that
Speaker 1: don't let them suffer, let them lose their best in
Speaker 1: their brighters, let them lose you. They don't deserve you.
Speaker 2: You know.
Speaker 1: I'm like, yeah, so we work. I know he's not talking. Bruh.
Speaker 1: You have a lot to worry about. Worry about people
Speaker 1: coming back to the office. You know, you have a
Speaker 1: pr issue. Bruh. So so that was good. You want
Speaker 1: to take some kowtek.
Speaker 2: Oh, well, let's take a quick woosay, take a quick break,
Speaker 2: and we'll be right back with y'all questions. All right,
Speaker 2: we are back with your questions. Hit us up, y'all.
Speaker 2: We are at Brown Ambition Podcast on Instagram. You can
Speaker 2: slide into our dms there with your questions on your
Speaker 2: career or your finances. You can also check out our
Speaker 2: show notes and see how you can leave us a
Speaker 2: voicemail with your questions. We may take your answer live
Speaker 2: on the show.
Speaker 1: Yeah, can I just really quickly someone was this a tweet? Anyway?
Speaker 1: Her name is I'll slap long you know, I won't.
Speaker 2: Name her name, will slap who.
Speaker 1: She said her name is literally, I'll slap your ass
Speaker 1: just because of slavery. Friend, I don't I don't know
Speaker 1: if that's literally.
Speaker 2: That is literally on Twitter day, So hey girl, I love.
Speaker 1: This is what she wrote. She said, Tiffany, there's a
Speaker 1: video going around about the housing bubble by he who
Speaker 1: shall not be named. We know he's talking about dr period,
Speaker 1: so I refuse to watch it. That's right, girl, to
Speaker 1: discuss on the podcast or something. Please sosing bibble. Yes,
Speaker 1: what are you thinking?
Speaker 2: Oh? I mean, I think this has been a conversation
Speaker 2: that's been happening since the pandemic. I mean people, and
Speaker 2: I'm living it. I don't know if you are to Tiffany,
Speaker 2: but in the burbs outside of New York, I live
Speaker 2: about thirty minutes outside the city. We have so many
Speaker 2: city heites or urbanites who have been, you know, fleeing
Speaker 2: the were fled the super populated city of Manhattan, fled
Speaker 2: public transit to rent homes out here in the burbs
Speaker 2: with us and property values. Let me tell you like
Speaker 2: our neighborhood. I always have always thought it was a
Speaker 2: hidden gem. We got our house for four hundred and
Speaker 2: forty five thousand and we did a lot of work
Speaker 2: to it. But just to give you a baseline, a
Speaker 2: house two blocks from mine just went on sale for
Speaker 2: over eight hundred thousand dollars.
Speaker 1: Crazy.
Speaker 2: It's you know, and husband's like, we're trying to move
Speaker 2: or I'm like, no, we're not trying to move right now.
Speaker 2: I don't think it's necessarily a bubble. And this is why,
Speaker 2: I mean, well, you have to like define bubble. I
Speaker 2: don't think that we're in a position like we were
Speaker 2: leading up to the housing crisis of seven eight for
Speaker 2: a couple of different reasons. There's there's more regulations in
Speaker 2: place today. One of the biggest problems with the last
Speaker 2: recession or the last housing crisis was that lenders were
Speaker 2: just out here giving away houses to people who could
Speaker 2: not afford them, literally could not afford them. And as
Speaker 2: soon as times got tough with the recession, people started
Speaker 2: defaulting on their mortgages. And then because lenders were turning
Speaker 2: around and selling those mortgages off to Wall Street, Wall
Speaker 2: Street was all, you know, self combusting as well because
Speaker 2: they had all these bad mortgage notes on their books.
Speaker 2: So it's that stuff is not happening today. What we're
Speaker 2: seeing today is simple economics. And I think I've told y'all,
Speaker 2: y'all got I got a eked out a be an
Speaker 2: econ in college. But I listened enough to whatever his
Speaker 2: name was, who wore Hawaiian T shirts. I don't know
Speaker 2: why he did, my professor. I listened enough to remember
Speaker 2: supply and demand. And that's what we're seeing right now.
Speaker 2: The inventory of housing in this country has not been
Speaker 2: meeting the demand from people wanting more space. They want
Speaker 2: a yard, they want you know, more freedom, they want
Speaker 2: to breathe put out of these big cities and they
Speaker 2: want to move. And in cities where the real estate
Speaker 2: markets are tight with inventory, that's what it is. There's
Speaker 2: less supply, there's more demand, so the cost of goods
Speaker 2: is going up. I would say if I was looking
Speaker 2: to buy right now, I would be nervous. I would
Speaker 2: only buy if I really really wanted to, needed to,
Speaker 2: and had good data on the market where I am
Speaker 2: purchasing at home, to see if it's been how has
Speaker 2: it performed in other you know, dicey economic times, and
Speaker 2: just ask around and do your due diligence. As a homeowner.
Speaker 2: The struggle with us is like, well, do you want
Speaker 2: to sell and make a pretty penny. But then where
Speaker 2: am I going to go. I'll be out in the
Speaker 2: same housing market everyone else is going to be out
Speaker 2: unable to find something, you know, because inventory is so
Speaker 2: tight or prices are so high that even if I
Speaker 2: turn a profit on my home, you know, I just
Speaker 2: have to turn around and sync that into the next one.
Speaker 1: And that's what my so I don't know necessarily if
Speaker 1: it's a bubble per se, or there's a little bit
Speaker 1: of inflation. And I do expect for there to be
Speaker 1: a little bit of correction in the market. Meaning I
Speaker 1: don't think all of a sudden it's going to burst
Speaker 1: in your your eight hundred thousand dollars home it's going
Speaker 1: to be worth two hundred thousand. No, But I do
Speaker 1: think they'll be like a settling down, you know, because
Speaker 1: it won't go up forever and ever and ever, because
Speaker 1: eventually the demand will slow down or the supply will increase,
Speaker 1: and then that's when you'll really see if whether or not.
Speaker 1: My only thing is this is like it's one thing
Speaker 1: for a house to go up fifty thousand, you know,
Speaker 1: sixty thousand, but houses that are going up two hundred,
Speaker 1: three hundred thousand, I'm like, that's where I think you
Speaker 1: might see some course, correct if houses are doubling where
Speaker 1: you are, because I'm just like, uh, I don't know,
Speaker 1: I don't know. If it was me right now, I
Speaker 1: would not buy a house for double I just wouldn't.
Speaker 1: I would not buy a house for you know, like,
Speaker 1: you know, fifty sixty percent more than it was you know,
Speaker 1: just a little while ago. I just it just feels,
Speaker 1: and I guess maybe I'm a little gun shy because Mandy,
Speaker 1: I bought my house in two thousand and six, right
Speaker 1: before the you know, so I mean I'm also a
Speaker 1: lot more conservative. So what that means is, guys, is
Speaker 1: that like I bought my house for two hundred and
Speaker 1: twenty thousand dollars right before the housing crash, you know,
Speaker 1: in two thousand and eight, nine, ten, and so I
Speaker 1: bought it for two twenty the lowest it went down.
Speaker 1: I think, Mandy, I want to say, is like two
Speaker 1: no one thirty one fifty. So you know, I was like,
Speaker 1: what the hell you know? And since then, Mandy that
Speaker 1: remember I told you every once in a while, I
Speaker 1: still cyperstalk my my old condo, so I would say
Speaker 1: at least once a year, I type in my address
Speaker 1: to see what is it worth. Now it has never
Speaker 1: gotten back up to two twenty. The closest it's got
Speaker 1: is one eighty. And so it makes me say like ugh,
Speaker 1: whenever I see like home prices inflate dramatically, it just
Speaker 1: makes me nervous to say, you know, not to say
Speaker 1: that it's going to crash, but there might be a
Speaker 1: little bit of a course correction. So I would it's
Speaker 1: so hard with homes not to get emotional about purchasing,
Speaker 1: but I just be mindful about still looking for a
Speaker 1: deal because despite you know, like the house of market
Speaker 1: being crazy, there are still ways to get deals. You know,
Speaker 1: there are still sometimes people who are selling a distress
Speaker 1: and there are still keep your ear to the streets.
Speaker 1: Like the house I live in now. We purchased it,
Speaker 1: you know, it was in Newark, is a very hot market,
Speaker 1: and we were getting out for a year to two
Speaker 1: almost two years. We were getting outbid left and right,
Speaker 1: and we found this on an auction site and we
Speaker 1: paid half price for it. So there's still deals to
Speaker 1: be found if you're willing to be patient. So that's
Speaker 1: what I would just say.
Speaker 2: Yeah, our neighborhood is definitely the fixer upper neighborhood in
Speaker 2: the sense that there's a lot of older homeowners. Like
Speaker 2: our home we purchased from a young retiree couple like
Speaker 2: in the early sixties, and you know, they were just
Speaker 2: righty to move and downsize. And there's a lot of
Speaker 2: homes in our neighborhood that are like that, and that
Speaker 2: to me is a more natural kind of turnover. You know,
Speaker 2: they're selling their homes because they this this neighborhood. You know,
Speaker 2: they lived in for a few decades, raised their kids,
Speaker 2: they're ready to downsize, and there's a lot of great
Speaker 2: deals to be had. We've seen and it's been fun
Speaker 2: to see people buy these these homes that look pretty
Speaker 2: sad and run down and then just fix them up.
Speaker 2: And I'm excited about it. I'm glad I bought the
Speaker 2: house three years ago. I'm gonna say that. But I mean,
Speaker 2: I don't understand, like it's such a huge purchase. Like
Speaker 2: if you're out there trying to buy a house, just rent,
Speaker 2: it's it's fine, you don't have to have a home
Speaker 2: right now. It's like that herd mentality. But yeah, it's
Speaker 2: My dad sold his condo in Atlanta he lives about well,
Speaker 2: not in Atlanta, but he lives in a Tucker which
Speaker 2: is about, I don't know, twenty minutes aside of Atlanta,
Speaker 2: and he sold his condo he'd been in for a
Speaker 2: long time. I think he bought it for like sixty
Speaker 2: thousand dollars and he sold it for one thirty or
Speaker 2: something like that. He's like, why are you putting all
Speaker 2: of my business on this what? He doesn't even know
Speaker 2: what the podcast is. It's fine, but anyway, he made
Speaker 2: a nice profit. But he's living with a cousin right
Speaker 2: now because, like the time, it just it's hard to
Speaker 2: line up those perfect things where you can sell and
Speaker 2: then immediately, you know, walk into a new home of
Speaker 2: your own. So he's he's trying to figure out you know,
Speaker 2: he's staying on his uh with his with his cousin.
Speaker 2: Shout out to Mark. He's staying with him and you know,
Speaker 2: trying to figure out where he wants to live and
Speaker 2: taking his time. And he's also in a really tough
Speaker 2: market outside of Atlanta too, So that's the other side
Speaker 2: of that coin. Thank you too. I will slap you
Speaker 2: for slavery. What was it?
Speaker 1: I will slap your ass just because of slavery. And
Speaker 1: I think it says frank because I got cut off.
Speaker 1: But I girl, please Tweetbee because that was hilarious. That
Speaker 1: was your name, and I'm thank you for Yes, you
Speaker 1: don't have to watch he who will shall not be named,
Speaker 1: come on over here. We got you, girl.
Speaker 2: We just or do watch it, but then watch other
Speaker 2: stuff too, And you know, sometimes it's good to see
Speaker 2: what some people are saying, like and think critically about
Speaker 2: it and like, you know, but I understand it's I
Speaker 2: commend you for at least knowing enough to be like, yeah,
Speaker 2: I'm not gonna believe whatever it is that he's talking about.
Speaker 2: All right, well, let's take this question from Instagram. I
Speaker 2: guess we're going to keep them anonymous. They say, Hi, ladies,
Speaker 2: have a quick question. My husband and I started the
Speaker 2: Snowball method, and we've paid off over ninety one thousand
Speaker 2: dollars in debt. Okay, I'm gonna pause just to do
Speaker 2: my snaps. Yes, that's amazing work. Yes, including our car,
Speaker 2: credit cards, and student loans. We still have twenty four
Speaker 2: thousand dollars to go, but we're super happy and grateful
Speaker 2: to be where we are along the way. We started
Speaker 2: to get rid of our credit cards to begin a
Speaker 2: no credit card life. As a result, my credit began
Speaker 2: to drop due to a lack of revolving credit. I
Speaker 2: knew this would happen and was prepared for this. However,
Speaker 2: we'd like to slowly build this up again. I'm wondering
Speaker 2: what are the best credit cards to open in order
Speaker 2: to do this, or what's the best way Should we
Speaker 2: stop paying my student loan in full in order to
Speaker 2: keep that as part of my credit report? I would
Speaker 2: love some advice.
Speaker 1: Oh, girl, your loans pay them bad boys off.
Speaker 2: Yeah.
Speaker 1: So there are two types of debt. There is revolving debt,
Speaker 1: which is credit card debt. They call it revolving because
Speaker 1: it like it's like the door, like even as you
Speaker 1: paid off a credit card, it's still active, like you know,
Speaker 1: like you can keep still coming back in at any
Speaker 1: knock time. And there's installment loans and installment loans there's
Speaker 1: this lump sum that you owe and you make installment
Speaker 1: payments until it's done. So one of the ways to
Speaker 1: like offset the fact that you're thinking you might be
Speaker 1: like losing like, you know, some of your your mix,
Speaker 1: your credit mix, is you can keep like you don't.
Speaker 1: Here's the thing. You don't have to have a credit
Speaker 1: card if you don't want to. There you know, you know,
Speaker 1: just by paying your bills on time and you know
Speaker 1: some of them will, and also paying like you know,
Speaker 1: your your other things off, you're gonna definitely see a boost.
Speaker 1: But if you did want to keep one credit card,
Speaker 1: once you paid it off and just pay, you know,
Speaker 1: put something like I call it the jump like Jordan
Speaker 1: method because you know, Michael Jordan used to jump and
Speaker 1: stay in the air for a long time. And that's
Speaker 1: what we want our credit to do. Is you put
Speaker 1: like your Netflix or your gym membership on that one card.
Speaker 1: After you've paid it off, you say, hey, Netflix, charge
Speaker 1: this card every month, and then you find out when
Speaker 1: your statement date is. That is the date that a
Speaker 1: statement is issued saying you use the card because you
Speaker 1: want them to. You want them to tell the credit
Speaker 1: bureaus the card has been used. And then you have
Speaker 1: a I have I like to have a checking account
Speaker 1: just for bills. You have that bill's account, pay the
Speaker 1: credit card off in full after the statement date, but
Speaker 1: buy the due date. So paying off a credit card
Speaker 1: in full every month will help to keep get your
Speaker 1: credit score jumping and to keep it high because you know, one,
Speaker 1: it will show that you are, you know, like responsibly
Speaker 1: using credit. You're paying it off in full, and because
Speaker 1: you're putting something really low on it, it keeps your utilization,
Speaker 1: which is thirty percent of your score, it keeps it low.
Speaker 1: So no, sis pay off all the debts. People always
Speaker 1: wouldn't want to ask that, Like, you know, man, you
Speaker 1: ever give hit that. People are afraid to like pay
Speaker 1: off debt because they don't want to lose credit.
Speaker 2: But I'm like, uh, they want you to think that, yeah,
Speaker 2: they off the debt. It only helps them if you
Speaker 2: do not. Yeah, And her question is, you know, beyond
Speaker 2: you know, rebuilding her credit. But what are the best
Speaker 2: credit cards to open you could literally open. I'm just
Speaker 2: trying to think of like a funny credit card, victorious
Speaker 2: secret credit card, as long as you're paying off the
Speaker 2: credit card in full each month. But probably don't open
Speaker 2: a Victoria's credit card, Okay, but that's just the anyway,
Speaker 2: a gap credit card, and as long as you pay
Speaker 2: it off in full, they all work the same, you know.
Speaker 2: But if I were doing if I were you, I
Speaker 2: would pick a credit card that you know fits whatever
Speaker 2: my habits are. If you're wanting a credit card that
Speaker 2: maybe gives you points, then maybe you look at cards
Speaker 2: that give you points for things and services that you
Speaker 2: use quite often. But if you really just want a
Speaker 2: card that you can charge one thing to and use
Speaker 2: it to rebuild your credit, any no fee credit card
Speaker 2: will do, and the interest rate is whatever the interest
Speaker 2: rate is, but you don't plan on paying them any interest, right,
Speaker 2: as long as you paid off in full every month,
Speaker 2: then you'll never pay any interest. So you really just
Speaker 2: look for the card that's no fee and pretty simple
Speaker 2: to use, maybe with a bank that you already bank with,
Speaker 2: just for simplicity's sake, and like go from there.
Speaker 1: Mm hmm. Right.
Speaker 2: You can always check out a website like Magnified Money
Speaker 2: shout out to my old boss, my old Well they're
Speaker 2: not there anymore, but my old company magnified money dot com.
Speaker 2: And there's credit cards dot com too, where you can
Speaker 2: kind of look and see what's out there. It's so
Speaker 2: many options, believe me. But I will say at the end,
Speaker 2: you know, with the pandemic, credit card usage plummeted, especially
Speaker 2: on cards that paid you big points for travel and
Speaker 2: restaurants because nobody was doing either of those things anymore.
Speaker 2: And I have seen that some banks are now bringing
Speaker 2: back nice, juicy sign on bonus offers to try to
Speaker 2: lure people back to using their credit cards. So you
Speaker 2: may want to take this chance to earn some points
Speaker 2: and pick a card that's going to give you a
Speaker 2: nice sign up bonus. But of course, pay attention to
Speaker 2: the fine print. You often have to spend a minimum
Speaker 2: amount of money to get the bonus, and you don't
Speaker 2: want to spend more than you can afford to pay off,
Speaker 2: So read the fine print and definitely check out a
Speaker 2: card comparison site like I mentioned Magnified Money or credit
Speaker 2: cards dot Com to get the right card for your lifestyle.
Speaker 1: Yeah yeah, so yeah, And we're proud of you continue
Speaker 1: to pay off your.
Speaker 2: Dad child ninety one k. That's nuts. I love that
Speaker 2: they paid off their card too. I'm I was just
Speaker 2: telling my moms today, my card's paid off. My car,
Speaker 2: My car's paid off. It's been paid off forever. I
Speaker 2: love it. It's my baby, even though she's she's struggling
Speaker 2: these days. But yeah, I cardd is my least favorite
Speaker 2: thing in the entire world.
Speaker 1: Yeah, yeah, I just want to say thank you guys
Speaker 1: who were like in the who are sending questions where
Speaker 1: you talk about your getting gig with money my book.
Speaker 1: Just thank you guys so much. Honestly, it has been
Speaker 1: six weeks on the New York Times bestsellers list, which
Speaker 1: is that was supposed.
Speaker 2: To be like a fog worn I know, insane, Tiffany,
Speaker 2: it is insane. I said that the other day to
Speaker 2: someone and I had no reason to talk about it,
Speaker 2: and I'm like, yeah, Tiffany, my co host, she has
Speaker 2: the best selling book. It's been on the best selling
Speaker 2: list for like six weeks.
Speaker 1: I know. It's just crazy, Like literally like, yeah, we
Speaker 1: have sold over fifty thousand copies, so you got to
Speaker 1: get to give all heads up, be sauce since you're
Speaker 1: BA listeners. Actually no, when this comes out, that's actually perfect.
Speaker 1: I am going to be like, because we sold over
Speaker 1: fifty thousand copies, we're gonna do a fifty book giveaway.
Speaker 1: So if you haven't gotten a copy yet, you want
Speaker 1: to win. I'm gonna be posting something on social media
Speaker 1: on Wednesday when the podcast comes out, so follow me
Speaker 1: on Twitter or Instagram in particular, so we'll be giving
Speaker 1: away fifty copies of the book, signed copies, and we'll
Speaker 1: all throw on a budget these to bracelet to go
Speaker 1: with it. And do I.
Speaker 2: Still not have one? I should have just snatched one off.
Speaker 2: I know. That's so funny. And my baby cousin Ariel
Speaker 2: graduated from high school last week. Congratulations, she's so cute.
Speaker 2: I'm gonna give her your book. She probably won't touch
Speaker 2: it for a while. Teenagers, But if you have a
Speaker 2: college grad in your life, come on now, yes.
Speaker 1: Go ahead on why that is the place to go?
Speaker 1: And too well, like the next week, like if you
Speaker 1: have a book club, We're gonna do something special for
Speaker 1: book club. So I take all these videos for y'all.
Speaker 1: So that's coming up soon too.
Speaker 2: Oh exciting the gift that keeps on giving. Get good
Speaker 2: with money dot com y'all.
Speaker 1: And now it's time for booster break for the baly
Speaker 1: is going booth? What what's gonna break? Okay? What you
Speaker 1: going to do? Man? Dy?
Speaker 2: Wow, that really took a turn.
Speaker 1: I'm gonna switch it up.
Speaker 2: That reminds me of that Christmas song. Anyway, I'm gonna boost.
Speaker 2: I'm gonna boost a little known website called mandymoney dot com. No,
Speaker 2: mandymoney dot com. Yes, y'all, I'm like a professional now.
Speaker 2: I have my own website and I built it myself,
Speaker 2: you know, Tiffany. I like to get down and do
Speaker 2: do things the internet type things. Taught myself at a
Speaker 2: podcast and I was like, I can build a website.
Speaker 2: So I got me a little Squarespace account and I
Speaker 2: have been. I've really enjoyed the I forgot how creative
Speaker 2: I am, and I love like putting the site together
Speaker 2: and getting to use all the amazing photos. We just
Speaker 2: got some new pictures that we can't wait to share
Speaker 2: with y'all, getting to use some new photos and really
Speaker 2: just it's it's had me looking back on my career
Speaker 2: and being like, oh damn, I did that, and that
Speaker 2: this is great and it's been really fun to walk
Speaker 2: down memory lane. And I don't know exactly you know
Speaker 2: what will come from it, but it's it's been. It
Speaker 2: feels it feels right to kind of have a home
Speaker 2: to highlight my career and highlight what I do. So
Speaker 2: check it out mandymoney dot com.
Speaker 1: Well on here maybe with right now. Maybe first of all,
Speaker 1: you built this looks great.
Speaker 2: I did that. I did it.
Speaker 1: Christ's cute. Many pop your curls is poppy.
Speaker 2: Yeah, I'm excited.
Speaker 1: No, first of all, yes it's super cute because I
Speaker 1: love these curls. But actually it just looks like really good.
Speaker 1: I can't belive you built this yourself.
Speaker 2: You know I do. I do some things, so I've
Speaker 2: been doing that. I taught myself how to use TikTok.
Speaker 2: I'm I'm creating, I'm telling stories, I'm getting I'm really
Speaker 2: just taking time to get back to what has always
Speaker 2: made me happy, why I started to be a journalist
Speaker 2: and why you know, I launched the podcast and it
Speaker 2: feels good. So check it out. Let me know if
Speaker 2: you have any tips or pointers, maybe follow me on Instagram.
Speaker 2: I'm also at Mandy Money.
Speaker 1: Yes you are, it says Mandy is relent is a
Speaker 1: relentless advocate for your financial well being before a girl,
Speaker 1: I don't know what prots using your hair because these
Speaker 1: curls is everything.
Speaker 2: Okay, that's a c Let me just tell you. That
Speaker 2: is a curling iron and her name is Stacy. No,
Speaker 2: those are not Yes, those are at sea. I was like, Stacy,
Speaker 2: this is we're selling a lie to America. You do
Speaker 2: not wake up like this Stacey individually curled each one
Speaker 2: of them strands, and then I started thinking about man
Speaker 2: Hillary from Fresh Prince. That was not her natural No,
Speaker 2: that was curling irons too. Yeah, She's like, well, you know,
Speaker 2: for photos, we should really use the curling iron. Anyway,
Speaker 2: That's that's that secret. Let me just let me just
Speaker 2: tell your curly hair girls out there, there's no tutorial.
Speaker 2: It is literally do you have two hours and a
Speaker 2: teeny tiny curling iron?
Speaker 1: No, no, I'm not, but honestly, you look it looks
Speaker 1: awesome and haven't really parade of you.
Speaker 2: Thank you.
Speaker 1: I think I'm gonna I gotta boost so I cannot
Speaker 1: wait because I'll be taking myself six weeks off and
Speaker 1: I don't know, I am really excited. So I'm like
Speaker 1: planning now, Like okay, So I think I want to
Speaker 1: I'm trying to figure because you know, I'm doing IVF,
Speaker 1: so I have to be within like an hour's drive.
Speaker 1: So I think I'm gonna spend at least one week
Speaker 1: by this place called Avon by the Sea because it's
Speaker 1: like it's basically the shore, but within an hour, within
Speaker 1: an hour's drive of Newark. And so I'm thinking I'm
Speaker 1: gonna spend like a week or so there. I'm still
Speaker 1: trying to like kind of gather places, so I would
Speaker 1: love you guys want to send me some suggestions that
Speaker 1: are like Jersey even. Here's the thing. On the weekends,
Speaker 1: I can take longer trips because I usually don't go
Speaker 1: to the IVF doctor on the weekend. So the way
Speaker 1: it works with the IVF is that when you're doing
Speaker 1: like you know, IVF, sometimes you go to the doctor
Speaker 1: literally every other morning because you have to take a
Speaker 1: blood test and the scan, which is just them putting
Speaker 1: a thing up here vagina and saying looks good in here.
Speaker 2: Like every other day, Oh black girl.
Speaker 1: It's a part I could be lex cock, like, hey, doc,
Speaker 1: I just.
Speaker 2: Pulled through the drive through with the mini skirt and
Speaker 2: just like hey, our.
Speaker 1: Actions and so like I just so yeah, but it's
Speaker 1: really like, you know, it's just you're going all the
Speaker 1: time and so but usually like like I never really
Speaker 1: go on the weekends. So if there is like I'm
Speaker 1: thinking of maybe doing like a Philly trip where I
Speaker 1: can stay the weekend over, you know. So I'm trying
Speaker 1: to figure out like yeah, so I'm like I live
Speaker 1: in Jersey, So if you think of like anything one
Speaker 1: then maybe I can do an extended weekend on because
Speaker 1: I could leave like Friday and come back Sunday. Or
Speaker 1: if I don't have a doctor's appointment on Monday, then
Speaker 1: I can say even longer, or you know, something that's
Speaker 1: within an hour's drive, because if I, like, for example, Eve,
Speaker 1: I'm by the sea, it's like forty five minutes to
Speaker 1: an hour away. So if I had to go to
Speaker 1: the doctor, I could drive to the doctor and still
Speaker 1: go back to my beach house. You know that I've
Speaker 1: rented it because like one of my in rush works,
Speaker 1: I'm literally when I say I'm not doing any work,
Speaker 1: I'm not doing not nan bit of work. I am reading,
Speaker 1: I'm gonna be crocheting, I'm going to be walking along
Speaker 1: the beach and be listening to podcasts. I'm going to
Speaker 1: be eating. Yeah, I'm going to be talking to my
Speaker 1: friends on the phone and hanging out like I'm not.
Speaker 1: I told them only hit me up if opor or
Speaker 1: Michelle Obama calls say.
Speaker 2: That's a good that's a good out of office message.
Speaker 1: Yes, And I'm also taking a break from social media.
Speaker 1: So because I'm like, you know what, so six weeks away,
Speaker 1: like you'll still see posting because it'll be my team.
Speaker 1: But like I because I don't know that I can
Speaker 1: truly take a break if I'm on social media because
Speaker 1: so much of my social media is wrapped up in business,
Speaker 1: you know. Yeah, so because I know me, I'll see
Speaker 1: something like ooh, logan, can you change that caption? It
Speaker 1: could be spicier, and I'm like, grab now, we're not
Speaker 1: doing that. So no social media, you know, no, no email,
Speaker 1: no nothing, just like a reset and really just like
Speaker 1: I want to reconnect and the side like you no,
Speaker 1: like what do I want to do next? I have
Speaker 1: so many opportunities that are kind of floating in the
Speaker 1: air and just deciding like what what direction to go into?
Speaker 1: So I'm excited about that, but I welcome your suggestions.
Speaker 1: I live in Newark, so if you're like, ooh, girl,
Speaker 1: we stayed here and it was only an even an
Speaker 1: hour and a half, where I wouldn't mind, you know,
Speaker 1: So like just you know, I'm just looking for like
Speaker 1: suggestions and ideas because I'm literally putting together the plan
Speaker 1: right now because I don't want to go into the
Speaker 1: six weeks and I haven't kind of decided what I'm
Speaker 1: gonna do or else. It's just gonna like slip away.
Speaker 1: And I'm like, I didn't do anything.
Speaker 2: You know, You're exactly like me when it comes to downtime, like, so,
Speaker 2: what's the plan for relaxing? Exactly? I need my to
Speaker 2: do list for fun. My therapist is like, why don't
Speaker 2: you just do nothing?
Speaker 1: Now?
Speaker 2: I don't understand. That's a waste of time.
Speaker 1: I don't want to, like I know me, I don't.
Speaker 1: I don't want to like not go someplace and like
Speaker 1: you know what I mean, because I'll be like, oh wait,
Speaker 1: I want to go that everything's booked, So I'm just like, yeah,
Speaker 1: at least I would like at least three different outings,
Speaker 1: one that's a week long and maybe two weekend outings.
Speaker 1: You know.
Speaker 2: So, yeah, you, I'm so excited for you. I'll miss
Speaker 2: you those six weeks. But we will have some fun
Speaker 2: co hosts on the show joining us. But hopefully we
Speaker 2: can start announcing soon. I guess that's coming up. So
Speaker 2: next week will be your last show, I.
Speaker 1: Believe so well. I actually the because I'm really done,
Speaker 1: like well, yeah, I mean I'm trying to decide if
Speaker 1: I'm gonna take that Monday because it's the thirty first.
Speaker 1: I said, like the first, but I'm kind of.
Speaker 2: So, I don't think we have a co host said,
Speaker 2: so you should probably come down and then you can
Speaker 2: be done. Okay, yeah, all right, awesome. Well this was
Speaker 2: a fun show. It was excited for your your time off.
Speaker 2: I hope Michelle, I do hope she calls you. But
Speaker 2: also I'm like, can you wait until.
Speaker 1: But I will say Oprah did reach out. We're not
Speaker 1: Oprah her own. I'm gonna be taking my first flight
Speaker 1: this Fridays. I'm taping something for own.
Speaker 2: So that's Oh my god, you're one. I'm telling you,
Speaker 2: you're one stone way from Lady Oh. You're gonna be
Speaker 2: on her patio in Santa Barbara doing some kind of interview.
Speaker 2: I don't know what.
Speaker 1: So Sunday, it's on Super So Sundays on my so
Speaker 1: my vision board.
Speaker 2: Love it. All right, girl, We'll have a good rest
Speaker 2: of your week and we will see y'all next week.
Speaker 2: Bye bye bye