WEBVTT - Your Magic Wand is Working

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<v Speaker 1>Hey, ba fan, Mandy here or Mandra, you can call

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<v Speaker 1>me Mandra, that's fine. I have a simple request for you, guys.

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<v Speaker 1>We get so many questions on how you can support

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<v Speaker 1>the show, and there's really a very very simple thing

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<v Speaker 1>that we need you guys to do. Open up this app,

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<v Speaker 1>open up wherever you're listening to this podcast right now,

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<v Speaker 1>and subscribe if you have the ability, especially those of

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<v Speaker 1>you who are on iTunes. We're really making a push

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<v Speaker 1>to get the show more visible. You've seen that we've

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<v Speaker 1>partnered with a fabulous new network called Westwood One. But

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<v Speaker 1>we also need the support of our listeners. So if

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<v Speaker 1>you are a listener, a loyal listener, please subscribe, And

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<v Speaker 1>if you haven't yet, take a few seconds and leave

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<v Speaker 1>a five star review, and even a written review would

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<v Speaker 1>leave us a five star review, and continue to support

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<v Speaker 1>the show. This is so so crucial. It is basically

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<v Speaker 1>other show out there. Can't do it without your support,

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<v Speaker 1>So thank you very very much. Subscribe, like and review

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<v Speaker 1>the show, and we thank you so much.

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<v Speaker 2>Hey hey, I'm sick of black trauma.

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<v Speaker 1>Oh hey, hey bye.

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<v Speaker 2>I know listen, last week was rough. It was, and

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<v Speaker 2>I'm not gonna lie. I really don't even want to, like,

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<v Speaker 2>you know, because every podcast of my faves that I've

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<v Speaker 2>listened to I kind of skipped like this past week

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<v Speaker 2>because I was like, yeah, although I appreciate because obviously

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<v Speaker 2>you don't want to pretend like nothing is happening. I

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<v Speaker 2>just my soul is weary.

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<v Speaker 1>I agree with you, and honestly, what I want people,

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<v Speaker 1>I want other people besides black people talk about it.

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<v Speaker 1>Let someone else be outraged for a while and in pain.

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<v Speaker 1>I don't want to sit here. And I know we

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<v Speaker 1>could just we could spend hours talking about the same

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<v Speaker 1>thing that has been in reality for so long. You know,

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<v Speaker 1>it's not like anything new. So I'm with you. I'm

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<v Speaker 1>with you. My heart goes out to the families who

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<v Speaker 1>have lost their loved ones senselessly because because of racism

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<v Speaker 1>in this country. My heart also goes out to everybody

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<v Speaker 1>who everybody black, everybody black like you and I, who

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<v Speaker 1>have to find a way to deal with that trauma,

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<v Speaker 1>carry that pain with us through our days to our

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<v Speaker 1>day to day and just say, like, for me, the

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<v Speaker 1>key has been one hour at a time, like hour

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<v Speaker 1>one hour at a time, because I'll have a good

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<v Speaker 1>hour and then a bad hour. But some things that

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<v Speaker 1>have been giving me life and enjoy lately has been

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<v Speaker 1>I redid my zenden.

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<v Speaker 2>I know it was so cute because me and man

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<v Speaker 2>manager just tape something earlier. I was like, I had to.

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<v Speaker 2>I literally thought it. I'm so cute. Maybe I thought

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<v Speaker 2>it was one of those fake backgrounds like on Zoom.

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<v Speaker 2>I'm like, is that a fake background?

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<v Speaker 1>Oh? Thanks, It's just a giant curtain that's covering up

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<v Speaker 1>stacks and stacks of shelves with junk on them. But yeah,

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<v Speaker 1>I'm just down here so much, and I just moved

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<v Speaker 1>all the furniture around, and I'm trying to make a

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<v Speaker 1>zennier and I'm thinking I want like a little rock

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<v Speaker 1>garden or something. But I truly have ooh ooh, And

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<v Speaker 1>I got a moon pod. Don't judge me.

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<v Speaker 2>Have you seen a moon pod?

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<v Speaker 1>You might have seen on Instagram as I did so.

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<v Speaker 1>And I blame Stacy for this, Stacy who does my hair.

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<v Speaker 1>It's all Stacy's fault. She because I was talking about

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<v Speaker 1>I need a place to nap. So, as you guys know,

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<v Speaker 1>I started, I redid my I didn't redo. I judged

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<v Speaker 1>up the basement and I turned it into my home office,

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<v Speaker 1>which I'm calling the zen den because I don't just

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<v Speaker 1>want a desk. I wanted I put my peloton down here.

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<v Speaker 1>I put a yoga mat. I wanted to have a space,

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<v Speaker 1>a door to close for the first time and nearly

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<v Speaker 1>a year in the pandemic, just to become like myself again,

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<v Speaker 1>you know, just to like. This is where I come

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<v Speaker 1>down to invest in Mandy. You know what does Mama

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<v Speaker 1>Mandy need. She needs time to work feel good about that.

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<v Speaker 1>She needs to sweat on the peloton, she needs to stretch.

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<v Speaker 1>Whatever I need. So I realize I need a nap

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<v Speaker 1>spot just to you know, in between meetings or whatever,

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<v Speaker 1>just take a sweet little nap without having to go upstairs.

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<v Speaker 1>Because when I go upstairs, the problem is that I

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<v Speaker 1>can't avoid the baby. He's in the house, like he's everywhere,

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<v Speaker 1>and he knows the sound of my footsteps on the

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<v Speaker 1>basement staircase, so he comes running. This isn't a very

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<v Speaker 1>big house and he's not at daycare yet, so yeah,

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<v Speaker 1>so I decided I'm gonna like put. I was like,

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<v Speaker 1>maybe I should get a little shadse lounge or just

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<v Speaker 1>honestly an air mattress or something. And then Stacy was like,

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<v Speaker 1>have you seen this moon pod? And all I can

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<v Speaker 1>say is it is a grown up bean bag chair

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<v Speaker 1>and it is growing the best thing it is. So

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<v Speaker 1>it's so nice. I'm gonna take a picture. It looks

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<v Speaker 1>kind of ridiculous, but it's so comfy. I took a

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<v Speaker 1>I took a delicious nap yesterday in my moon pod.

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<v Speaker 1>I got a weighted blanket and I am investing in

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<v Speaker 1>my nap time.

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<v Speaker 2>So this looks very, very comfy. I'm like, wo moon pod.

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<v Speaker 1>Okay, there's like sciencey things about why it's so good,

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<v Speaker 1>but it's really good. And when you when you do that,

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<v Speaker 1>the combination with the moon pod where you're feeling weightless,

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<v Speaker 1>and then you add the weighted blanket, which just is

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<v Speaker 1>like someone just hugging you, but like who doesn't smell

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<v Speaker 1>bad because they haven't showered lately, you know, or like

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<v Speaker 1>their body heat is not like becoming too hot. It's

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<v Speaker 1>like a great experience with the weighted blanket. I recommend it.

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<v Speaker 2>Yes, So I will say this. I had a really, really,

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<v Speaker 2>really good and this is for because you know, when

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<v Speaker 2>I've been having these good talks with doctor Green and

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<v Speaker 2>she gathers me all the way together and then I

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<v Speaker 2>pass it on to you so she can gather you

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<v Speaker 2>together the juice, and I'm paying for it. We might

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<v Speaker 2>as well all benefit. So so something that doctor Green

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<v Speaker 2>shared with me, it was like so good. I was like, okay,

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<v Speaker 2>So for those of you who are like me and

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<v Speaker 2>Mandy who team too much, you know, we'd be doing

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<v Speaker 2>a lot, and sometimes we do so much that we're like, okay, Sis,

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<v Speaker 2>it's okay to rest, she said to me, because I

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<v Speaker 2>told her, I'm like, okay. The book you know, it

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<v Speaker 2>made near time bestsellers second week in rub but theah

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<v Speaker 2>blah was naming all these things like okay, okay, she said, okay,

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<v Speaker 2>that we can agree your magic wand is working. Say

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<v Speaker 2>what noo? She said, your magic wand is working. You

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<v Speaker 2>have manifested enough times to see that your magic wand

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<v Speaker 2>is working. She just means that, like, and this is

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<v Speaker 2>for you, who is listening, who does the most, who

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<v Speaker 2>doesn't break, doesn't rest, I'm looking at the mayor, so

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<v Speaker 2>I'm not judging you, but I'm talking to you. Sis,

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<v Speaker 2>the one who's looking at the looking at like whatever

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<v Speaker 2>contraption that you're listening to the podcast on, and you're

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<v Speaker 2>looking like, oh, she trying to read me. I'm reading you.

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<v Speaker 2>Your magic wand is working. You don't have to go

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<v Speaker 2>so hard, you don't have to go so long, you

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<v Speaker 2>don't have to do as much as you've been doing.

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<v Speaker 2>You can actually put your magic wand down and enjoy

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<v Speaker 2>a little life a little bit more and guess what,

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<v Speaker 2>it likely will recharge and work even better. And she

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<v Speaker 2>was like, you have manifested this life that you're living.

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<v Speaker 2>Now say it out loud with me. The seeds I

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<v Speaker 2>plant grow, the seeds I plant grow. So you want

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<v Speaker 2>to be even more mindful of the seeds that you're planting.

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<v Speaker 2>You want to garden intentionally. You know, you're not picking

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<v Speaker 2>random fruit. You're picking the fruit from the seeds that

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<v Speaker 2>you've planted. And so if you're wanting to pick different fruit,

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<v Speaker 2>then you have to make space in your garden for

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<v Speaker 2>something differently. And so I convince myself that, like more

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<v Speaker 2>and more and more heart, you can do it. You

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<v Speaker 2>can do. It's like nosis. You don't have to go

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<v Speaker 2>so hard. You're planting the right seeds, you're picking that fruit.

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<v Speaker 2>But if you're wanting rest and relaxation and more harmony,

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<v Speaker 2>then you have to plant those seeds as well. Your

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<v Speaker 2>magic wand is working. And I just felt red for filth,

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<v Speaker 2>so I figured, you know, i'd read you for filth

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<v Speaker 2>as well. So there you go. I'm cury, doctor Green.

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<v Speaker 1>Thank you, doctor Green. I don't think that was red

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<v Speaker 1>for filth. I just feel like that's it's how do

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<v Speaker 1>you mean you must feel like it's permission. It's permission

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<v Speaker 1>to it's permission to trust yourself, and it's like getting

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<v Speaker 1>to a place where you trust it is. I love

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<v Speaker 1>that garden metaphor because it's true. You know, you can

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<v Speaker 1>only harvest so much, and you can only use the

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<v Speaker 1>earth so so much before it doesn't yield anything. Yes,

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<v Speaker 1>deplete it. It's like over. It's like over harvesting can

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<v Speaker 1>actually diminish future crops. So you have to tend to it.

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<v Speaker 1>And then you you harvest what you can, use it

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<v Speaker 1>the best that you can, and you try and store

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<v Speaker 1>them away for winter. Okay, I'm doing.

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<v Speaker 2>This whole mend no, and you said and then you

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<v Speaker 2>said the perfect words. She said, trust that I've been

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<v Speaker 2>using my magic wand as if I don't trust that

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<v Speaker 2>it works because I have overworked around it and it's

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<v Speaker 2>like gnosis, you don't need to do all of that

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<v Speaker 2>that it was a lack of trust, and she's like,

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<v Speaker 2>can you trust yourself to me that you're going to

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<v Speaker 2>be the bomb dot com without having to do so much?

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<v Speaker 2>Like girl, you got it. You don't have to do

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<v Speaker 2>all this to shine like you know. So it was

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<v Speaker 2>just like, yeah, now when I say read for film,

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<v Speaker 2>I didn't feel offended. It was perfect because to your

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<v Speaker 2>point many I needed the permission to be like, it's

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<v Speaker 2>okay to sit down. God, it's not gonna go away

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<v Speaker 2>your trust, it's gonna be here. You put the work

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<v Speaker 2>and it's gonna be here.

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<v Speaker 1>Your Wanda's like, take a break, girl, why does like this?

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<v Speaker 2>You exhausted me in my elderly age that those who

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<v Speaker 2>don't know Wanda is my eighty year old self, That's

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<v Speaker 2>what I call her. Wandas like, grow, I'm tired. Look

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<v Speaker 2>at you. You are wearing that body out since we

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<v Speaker 2>need it for now, so so just go ahead.

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<v Speaker 1>Can we actually listen to a voicemail that we got

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<v Speaker 1>from a listener. I know we were gonna do it

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<v Speaker 1>during questions, but I kind of feel like this is

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<v Speaker 1>the perfect time to play that voicemail. Sarah, do you

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<v Speaker 1>have that cueued up?

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<v Speaker 3>I am Denay from Manhattan, and I'm listening to your

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<v Speaker 3>show on April sixteenth, and I just want to let

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<v Speaker 3>you know. I want to thank you for letting me

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<v Speaker 3>know that I shouldn't feel guilty for not being career

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<v Speaker 3>ambitious in my career will because I'm working from home,

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<v Speaker 3>raising children and dealing with Corona, just mentally wiped out,

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<v Speaker 3>and I just don't have the goal or the ambition

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<v Speaker 3>anymore that be the best employee, So thank you.

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<v Speaker 1>I can hear him in his voice. I think he

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<v Speaker 1>said vane or renee, but I can hear the exhaustion

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<v Speaker 1>and if that's what you needed to give yourself permission

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<v Speaker 1>to rest and recharge, take it, Yes, take it. You

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<v Speaker 1>don't have to keep go, go going. Isn't that the

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<v Speaker 1>perfect kind of to supplement and compliment what you had said, Tiffany.

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<v Speaker 1>It sort of like he just sounds run down and

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<v Speaker 1>like he needs time to recharge, and he's acknowledging that.

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<v Speaker 2>Yeah, No, honestly, I'm glad that you got that permission.

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<v Speaker 2>It's hard sometimes you need to hear people say it

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<v Speaker 2>because you're like, I'm not giving my quote unquote best anyway,

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<v Speaker 2>but it is, this is what you have to give,

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<v Speaker 2>so that is your best. And so yeah, sometimes you

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<v Speaker 2>just need permission to not work so much. And sometimes

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<v Speaker 2>we need permission to be okay, not you know, to

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<v Speaker 2>be exactly where we are. And so yes, I'm glad

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<v Speaker 2>that that you're enough.

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<v Speaker 1>Yes, that the work you did today was enough. I

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<v Speaker 1>think if we can talk about my therapist, doctor Lauren. So,

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<v Speaker 1>one of the things early in the pandemic that I

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<v Speaker 1>had to learn was to I was constantly even when

0:11:09.240 --> 0:11:11.720
<v Speaker 1>I was on maternity leave, it was I don't feel productive.

0:11:11.880 --> 0:11:15.400
<v Speaker 1>All I did was, you know, breastfeed one hundred times

0:11:15.400 --> 0:11:17.679
<v Speaker 1>a day and you know, bounce on the yoga ball

0:11:17.720 --> 0:11:19.720
<v Speaker 1>until the baby fell asleep, and I had a cup

0:11:19.720 --> 0:11:22.360
<v Speaker 1>of coffee and that's like that was my entire day.

0:11:22.920 --> 0:11:26.240
<v Speaker 1>And she said that is enough. She said, that is enough.

0:11:26.320 --> 0:11:28.559
<v Speaker 1>You were productive. That was the job that you had

0:11:28.559 --> 0:11:31.360
<v Speaker 1>to do, and we need to like we need to

0:11:31.440 --> 0:11:35.120
<v Speaker 1>celebrate the quiet work. This I don't know. I don't

0:11:35.120 --> 0:11:36.640
<v Speaker 1>want to call it small, but you know what I mean,

0:11:36.720 --> 0:11:39.400
<v Speaker 1>like the little tasks, the little jobs that we do,

0:11:39.440 --> 0:11:44.240
<v Speaker 1>because some days, especially during the last week that we

0:11:44.400 --> 0:11:46.840
<v Speaker 1>just had, some days it is all you can do

0:11:46.960 --> 0:11:49.280
<v Speaker 1>to put one foot in front of another, sit in

0:11:49.280 --> 0:11:51.440
<v Speaker 1>front of the desk, answer the day of emails, talk

0:11:51.480 --> 0:11:53.720
<v Speaker 1>to the boss, you know that kind of stuff. You know,

0:11:53.840 --> 0:11:56.120
<v Speaker 1>do the work, or you know, just sit down and

0:11:56.520 --> 0:12:00.000
<v Speaker 1>be there present for your children. It's that is enough.

0:12:00.400 --> 0:12:04.440
<v Speaker 1>And certainly don't kill yourself trying to do what you

0:12:04.480 --> 0:12:06.760
<v Speaker 1>think you should be doing on top of that, because

0:12:06.800 --> 0:12:09.760
<v Speaker 1>some days you just need to be at peace with

0:12:09.920 --> 0:12:13.320
<v Speaker 1>what you have done and tell yourself that you're enough.

0:12:13.640 --> 0:12:16.439
<v Speaker 1>And if what was that mantra? Something about a seed.

0:12:16.800 --> 0:12:21.600
<v Speaker 2>That the seeds I plant grow and I'm going to

0:12:21.600 --> 0:12:24.839
<v Speaker 2>be mindful of the seeds that I plant and garden intentionally.

0:12:25.160 --> 0:12:28.520
<v Speaker 2>The seeds that I plant grow, so I will garden intentionally.

0:12:29.520 --> 0:12:30.000
<v Speaker 1>I love that.

0:12:30.400 --> 0:12:30.840
<v Speaker 4>M m.

0:12:32.360 --> 0:12:33.600
<v Speaker 1>I feel like we need to like home.

0:12:33.920 --> 0:12:37.560
<v Speaker 2>I know, I just feel like, you know, what I

0:12:37.600 --> 0:12:40.520
<v Speaker 2>really love is that, like, you know, one of the

0:12:40.559 --> 0:12:42.199
<v Speaker 2>things that Mandy and I really try to do. We're

0:12:42.240 --> 0:12:44.280
<v Speaker 2>not here to show up perfectly, but We're here to

0:12:44.320 --> 0:12:47.200
<v Speaker 2>show up fully, you know, like to admit we're like

0:12:47.240 --> 0:12:49.960
<v Speaker 2>I'm overwhelmed, I'm not working. It's not good because I

0:12:49.960 --> 0:12:52.160
<v Speaker 2>don't want to pretend like everything is okay, because I

0:12:52.160 --> 0:12:54.960
<v Speaker 2>think that's not just detrimental to y'all who are listening,

0:12:55.000 --> 0:12:58.000
<v Speaker 2>but detrimental to me and to Mandy if you don't

0:12:58.000 --> 0:13:00.480
<v Speaker 2>show up fully and truly, because I want to see,

0:13:00.640 --> 0:13:03.200
<v Speaker 2>Like I don't care how great it looks from the outside.

0:13:03.240 --> 0:13:06.160
<v Speaker 2>Sometimes it's a hot mess, and people struggle no matter

0:13:06.200 --> 0:13:09.319
<v Speaker 2>what stage or what phase they're on life. And sometimes

0:13:09.720 --> 0:13:13.600
<v Speaker 2>you're actually your most calm and zen when you are

0:13:13.640 --> 0:13:17.679
<v Speaker 2>your least outwardly successful, you know, and so all of

0:13:17.720 --> 0:13:20.560
<v Speaker 2>that you get to see, like what it all looks like,

0:13:20.559 --> 0:13:23.040
<v Speaker 2>like the truth of all that it looks like with

0:13:23.160 --> 0:13:25.120
<v Speaker 2>where we are and not just you get to see

0:13:25.120 --> 0:13:27.360
<v Speaker 2>like our growth. I feel like, I'm sure if you

0:13:27.400 --> 0:13:30.360
<v Speaker 2>were to listen to me from like a year ago,

0:13:30.800 --> 0:13:34.920
<v Speaker 2>I sound way more stressed or way less connected. But

0:13:35.000 --> 0:13:37.959
<v Speaker 2>I'm feeling so much better. And even though like the

0:13:38.480 --> 0:13:41.839
<v Speaker 2>launch took a lot out of me, Like I'm reassessing,

0:13:41.920 --> 0:13:43.640
<v Speaker 2>like you know what next steps look like, and I

0:13:43.720 --> 0:13:46.640
<v Speaker 2>feel more in control that I don't have to do

0:13:46.679 --> 0:13:49.880
<v Speaker 2>all the things, And like I'm actually seeing things differently, like, oh,

0:13:49.920 --> 0:13:52.520
<v Speaker 2>I can do those five projects without doing those five projects.

0:13:52.840 --> 0:13:54.400
<v Speaker 2>Let me call Taylor, let me call this person, let

0:13:54.400 --> 0:13:56.800
<v Speaker 2>me call that pert. They can do those projects for

0:13:56.920 --> 0:13:59.520
<v Speaker 2>me under the Budgetista. So I'm even learning how to

0:13:59.600 --> 0:14:02.760
<v Speaker 2>navigate differently. I used to think, Mandy that whatever I

0:14:02.800 --> 0:14:04.880
<v Speaker 2>had new projects, I used to be like, oh gosh,

0:14:05.000 --> 0:14:06.680
<v Speaker 2>because in my mind I was thinking about all the

0:14:06.679 --> 0:14:09.880
<v Speaker 2>work I had to do, and It's like why why

0:14:09.920 --> 0:14:12.520
<v Speaker 2>can't Like Taylor writes great courses, Like I want to

0:14:12.520 --> 0:14:14.680
<v Speaker 2>do a course for get Good with Money, And I'm like,

0:14:14.679 --> 0:14:16.400
<v Speaker 2>why do I have to write that course? The book

0:14:16.440 --> 0:14:18.240
<v Speaker 2>is written. You did that? Give Taylor the book and

0:14:18.240 --> 0:14:20.040
<v Speaker 2>say make a course based upon this. Taylor is one

0:14:20.040 --> 0:14:24.240
<v Speaker 2>of my course writers. And I was just like, oh, yeah, duh,

0:14:24.440 --> 0:14:28.000
<v Speaker 2>you know, like every relegate, yes, And so I just

0:14:28.040 --> 0:14:30.080
<v Speaker 2>feel like, hopefully that you get to hear it's the

0:14:30.160 --> 0:14:33.000
<v Speaker 2>ups and downs, the side to side and see that

0:14:33.120 --> 0:14:36.920
<v Speaker 2>growth is a journey that you never never finished with.

0:14:38.280 --> 0:14:40.280
<v Speaker 2>And yeah, and that to give yourself the space and

0:14:40.320 --> 0:14:40.680
<v Speaker 2>the grace.

0:14:41.360 --> 0:14:43.280
<v Speaker 1>Space and the grace. I love that. Can I make

0:14:43.320 --> 0:14:48.320
<v Speaker 1>a quick confession speaking of showing up fully. I actually

0:14:48.360 --> 0:14:52.120
<v Speaker 1>gave a presentation a week or two ago and it

0:14:52.160 --> 0:14:55.040
<v Speaker 1>was like five steps to use technology to save smarter

0:14:55.240 --> 0:14:58.640
<v Speaker 1>and at the you know, this wasn't necessarily a technology hack,

0:14:58.720 --> 0:15:01.200
<v Speaker 1>but for me, the most an important step in there

0:15:01.400 --> 0:15:06.600
<v Speaker 1>was to recalibrate. So once you celebrate your winds, recalibrate

0:15:06.680 --> 0:15:09.680
<v Speaker 1>And by that I meant, you know, not treating whatever

0:15:09.720 --> 0:15:12.280
<v Speaker 1>it is your budget or your financial plan as one

0:15:12.360 --> 0:15:15.800
<v Speaker 1>and done like a rigid set of guidelines that you're

0:15:15.800 --> 0:15:18.720
<v Speaker 1>just going to beat yourself up against forever. Because as

0:15:18.720 --> 0:15:21.960
<v Speaker 1>we've learned the past year, like income can change, you know,

0:15:22.080 --> 0:15:25.480
<v Speaker 1>your health can change. Your circumstances where you live can

0:15:25.560 --> 0:15:28.960
<v Speaker 1>change so quickly, and I think that people should give

0:15:29.000 --> 0:15:31.800
<v Speaker 1>themselves grace when it comes to their financial plan as well,

0:15:31.840 --> 0:15:34.080
<v Speaker 1>and to bake that into your process. And it was

0:15:34.120 --> 0:15:36.800
<v Speaker 1>something that as I was writing it for that talk,

0:15:36.840 --> 0:15:39.360
<v Speaker 1>I realized I had not done that, Like I had

0:15:39.400 --> 0:15:43.440
<v Speaker 1>not looked at so my income. My income did increase

0:15:43.440 --> 0:15:46.880
<v Speaker 1>significantly this past year just because of some career choices

0:15:46.920 --> 0:15:52.480
<v Speaker 1>I made, and I hadn't really reassessed how I was

0:15:52.960 --> 0:15:56.000
<v Speaker 1>saving and spending, and I started to get really stressed

0:15:56.000 --> 0:15:57.840
<v Speaker 1>out about it like there was a Friday not long

0:15:57.840 --> 0:16:01.200
<v Speaker 1>ago where I was like, wait a second, where is

0:16:01.360 --> 0:16:03.760
<v Speaker 1>where's it all going? You know, are we what are

0:16:03.760 --> 0:16:06.040
<v Speaker 1>we doing with it? Are we investing? Like where's it?

0:16:06.080 --> 0:16:09.160
<v Speaker 1>And I had just lost track. I had. I finally

0:16:09.200 --> 0:16:11.080
<v Speaker 1>sat down, you know, after I wrote that line in

0:16:11.080 --> 0:16:12.920
<v Speaker 1>my presentation, because I didn't want to be a hypocrite,

0:16:12.920 --> 0:16:14.640
<v Speaker 1>and I was like, Okay, I'm going to recalibrate, like

0:16:14.720 --> 0:16:17.240
<v Speaker 1>what is happening? You know, our income has increased, so

0:16:17.280 --> 0:16:20.040
<v Speaker 1>what are we doing? And for me, it was it

0:16:20.080 --> 0:16:23.880
<v Speaker 1>was sitting down and just methodically going through the different

0:16:24.000 --> 0:16:27.440
<v Speaker 1>accounts and seeing like what is going out, what is

0:16:27.480 --> 0:16:31.040
<v Speaker 1>coming in? And it was so it was so for me,

0:16:31.720 --> 0:16:34.400
<v Speaker 1>it almost like gave myself permission to acknowledge that I

0:16:34.440 --> 0:16:37.840
<v Speaker 1>had kind of lost track of my financial I don't

0:16:37.880 --> 0:16:40.000
<v Speaker 1>know what you want to call it, like framework or

0:16:40.040 --> 0:16:42.240
<v Speaker 1>plan and just to kind of get a gut check

0:16:42.280 --> 0:16:44.320
<v Speaker 1>like where am I at? And it turned out I

0:16:44.360 --> 0:16:47.360
<v Speaker 1>had all these automatic transfers, I was contributing twice to

0:16:47.440 --> 0:16:50.720
<v Speaker 1>this brokerage account, and I had, you know, doubled up

0:16:50.760 --> 0:16:55.080
<v Speaker 1>on some kind of contribution to a savings fund for

0:16:55.240 --> 0:16:57.800
<v Speaker 1>my son. And it was good, but it was also

0:16:57.880 --> 0:17:00.160
<v Speaker 1>kind of sloppy and messy, and so I got everything

0:17:00.160 --> 0:17:03.880
<v Speaker 1>cleaned up. I made new more ambitious goals as far

0:17:03.920 --> 0:17:06.720
<v Speaker 1>as saving and investing. And I just wanted to say

0:17:06.760 --> 0:17:10.520
<v Speaker 1>that because even myself, you know, having done this for

0:17:10.560 --> 0:17:15.320
<v Speaker 1>so long, even I sometimes forget to recalibrate and look

0:17:15.359 --> 0:17:18.400
<v Speaker 1>at how my situation has changed and sit down and

0:17:18.440 --> 0:17:22.200
<v Speaker 1>just go back to that. That'll be word the budget.

0:17:23.280 --> 0:17:25.960
<v Speaker 1>And I just wanted to remind y'all it's been a

0:17:26.000 --> 0:17:27.560
<v Speaker 1>really hell of it's been a hell of a year.

0:17:27.640 --> 0:17:30.600
<v Speaker 1>And if you guys need that, like, sit down, look

0:17:30.640 --> 0:17:32.880
<v Speaker 1>at how the financials are doing, and see if your

0:17:32.920 --> 0:17:35.199
<v Speaker 1>goals that you made, you know when you started your

0:17:35.240 --> 0:17:37.879
<v Speaker 1>budget still align with where you are today, and if not,

0:17:38.040 --> 0:17:41.640
<v Speaker 1>then just just change them. Like you can change them.

0:17:41.680 --> 0:17:44.280
<v Speaker 1>You're the boss. You can change them. And there's nothing

0:17:44.280 --> 0:17:51.960
<v Speaker 1>wrong with that. Yeah, that was really inspiring, Tiffany.

0:17:51.680 --> 0:17:54.680
<v Speaker 2>No just listening. I'm just like you reflecting. I'm just like, yeah,

0:17:55.280 --> 0:17:56.880
<v Speaker 2>it's like one of those like USA.

0:17:56.880 --> 0:17:57.040
<v Speaker 5>Like.

0:17:58.680 --> 0:18:01.080
<v Speaker 2>It just feels good to let go. And if twenty

0:18:01.160 --> 0:18:03.680
<v Speaker 2>twenty twenty one has taught me nothing else that help

0:18:03.880 --> 0:18:06.479
<v Speaker 2>asking for help, asking for help, asking for help, like

0:18:07.160 --> 0:18:08.960
<v Speaker 2>do not go it alone. What might have taken me

0:18:09.000 --> 0:18:11.119
<v Speaker 2>three years to figure out will take me three months

0:18:11.119 --> 0:18:13.720
<v Speaker 2>with help. That is critically and help meaning like it

0:18:13.800 --> 0:18:16.800
<v Speaker 2>might be therapy, it might be coaching, and might be

0:18:16.840 --> 0:18:18.760
<v Speaker 2>reaching out to your team, and might be asking your sister.

0:18:18.800 --> 0:18:21.879
<v Speaker 2>The baby said, like, do not go this life alone.

0:18:22.520 --> 0:18:25.040
<v Speaker 2>If you have the ability, please ask for help.

0:18:26.720 --> 0:18:30.640
<v Speaker 1>Eight man sister friend speaking of asking for help. Should

0:18:30.680 --> 0:18:33.720
<v Speaker 1>we take a quick break and like transition, I'm really

0:18:33.720 --> 0:18:36.280
<v Speaker 1>good on my segways today. All right, we're gonna take

0:18:36.320 --> 0:18:38.240
<v Speaker 1>a quick break and we'll be right back to answer

0:18:38.280 --> 0:19:13.160
<v Speaker 1>your questions. All right, we are back to answer your

0:19:13.240 --> 0:19:16.239
<v Speaker 1>questions again. Y'all can leave us a voicemail, like our

0:19:16.320 --> 0:19:19.560
<v Speaker 1>listener Renee did earlier. Hit us up eight four four

0:19:19.800 --> 0:19:23.520
<v Speaker 1>eight five eight eight zero eight zero, leave us a voicemail,

0:19:23.560 --> 0:19:26.720
<v Speaker 1>try and keep it brief. If you feel a little wordy,

0:19:26.760 --> 0:19:28.880
<v Speaker 1>you might still want to reach out to us via email,

0:19:28.960 --> 0:19:31.920
<v Speaker 1>or you can always DM us at Brand Ambition Podcast

0:19:32.280 --> 0:19:35.760
<v Speaker 1>on Insta or at or sorry. Our email is Brand

0:19:35.800 --> 0:19:38.399
<v Speaker 1>Ambition Podcast at gmail dot com. If you're feeling a

0:19:38.400 --> 0:19:40.640
<v Speaker 1>little wordy, but we'd love to hear from you, It's

0:19:40.680 --> 0:19:43.680
<v Speaker 1>nice to hear y'all's voices eight four four eight five

0:19:43.760 --> 0:19:47.159
<v Speaker 1>eight eight zero eight zero. All right, let's dig in.

0:19:47.240 --> 0:19:49.080
<v Speaker 1>Let's dig into that voicemail Sarah, what do we have?

0:19:50.240 --> 0:19:52.920
<v Speaker 4>Hi, ladies, I have a quick question about in Tooy

0:19:53.080 --> 0:19:56.800
<v Speaker 4>stock purchase plans. So my company allows us to buy

0:19:56.840 --> 0:20:00.639
<v Speaker 4>stock at a fifteen percent discount through payroll deduction. I'm

0:20:00.680 --> 0:20:04.280
<v Speaker 4>seeing conflicting information online. Do you feel like the best

0:20:04.960 --> 0:20:08.280
<v Speaker 4>way to capitalize is by immediately selling the stock to

0:20:08.840 --> 0:20:11.919
<v Speaker 4>get that fifteen percent discount or holding on to it

0:20:11.960 --> 0:20:14.720
<v Speaker 4>for the long term to get the tax advantage. Thanks

0:20:14.760 --> 0:20:15.840
<v Speaker 4>so much, bye, bye.

0:20:16.560 --> 0:20:20.240
<v Speaker 1>Awesome, Well, thank you so much for your question. Employee

0:20:20.240 --> 0:20:24.000
<v Speaker 1>stock purchase plan. So this is actually a great benefit

0:20:24.080 --> 0:20:26.960
<v Speaker 1>that some companies offer, and basically it's and if you

0:20:27.000 --> 0:20:29.879
<v Speaker 1>have a publicly traded company, they may offer you a

0:20:29.960 --> 0:20:33.760
<v Speaker 1>ten or fifteen percent discount on that stock, which if

0:20:33.800 --> 0:20:36.040
<v Speaker 1>you take advantage of that, I mean, who wouldn't want

0:20:36.400 --> 0:20:38.919
<v Speaker 1>a ten or fifteen percent discount on a stock today

0:20:39.359 --> 0:20:42.000
<v Speaker 1>like that? Actually, I mean you're lucky if you make

0:20:42.080 --> 0:20:44.520
<v Speaker 1>ten to fifteen percent on the stock over a year,

0:20:44.960 --> 0:20:47.960
<v Speaker 1>you know, So it can be a good benefit. Now,

0:20:48.280 --> 0:20:51.240
<v Speaker 1>the pros and cons of holding on to it or

0:20:51.400 --> 0:20:54.119
<v Speaker 1>selling it, right away. I'm not surprised that you found

0:20:54.119 --> 0:20:57.280
<v Speaker 1>conflicting information. I wouldn't call it conflicting. I would just

0:20:57.280 --> 0:20:59.600
<v Speaker 1>say it's one of those questions where it's like there

0:20:59.680 --> 0:21:03.280
<v Speaker 1>is no exact right or wrong answer. And to remind

0:21:03.320 --> 0:21:05.720
<v Speaker 1>you guys, like, I'm not an investment expert, I'm not

0:21:05.800 --> 0:21:08.199
<v Speaker 1>your financial planner. I'm just Tiffany and I are just

0:21:08.200 --> 0:21:10.760
<v Speaker 1>your financial girlfriends, just here telling you what's worked for us.

0:21:11.280 --> 0:21:15.240
<v Speaker 1>So for me, I sometimes get a little I'm more

0:21:15.280 --> 0:21:17.760
<v Speaker 1>on a weary of holding a lot of stock in

0:21:17.800 --> 0:21:20.480
<v Speaker 1>a company that already pays my bills. I would much

0:21:20.600 --> 0:21:26.199
<v Speaker 1>rather invest outside of my company stock. For example, at anytime,

0:21:26.240 --> 0:21:29.800
<v Speaker 1>I was granted stock through restricted stock units in the past,

0:21:29.840 --> 0:21:32.400
<v Speaker 1>So this is a little bit of a different way

0:21:32.520 --> 0:21:35.439
<v Speaker 1>that companies can give you stock. So restricted stock units

0:21:35.480 --> 0:21:37.560
<v Speaker 1>is just we're gonna give you stock in the company,

0:21:37.920 --> 0:21:39.240
<v Speaker 1>you know, but we're not gonna give it to you

0:21:39.320 --> 0:21:41.400
<v Speaker 1>right away. You gotta work here for a year, and

0:21:41.440 --> 0:21:43.239
<v Speaker 1>you gotta work here for another year to get the

0:21:43.600 --> 0:21:45.439
<v Speaker 1>you know, the next batch, and then year after that

0:21:45.480 --> 0:21:47.320
<v Speaker 1>to get the next batch. So it's like an incentive

0:21:47.359 --> 0:21:51.760
<v Speaker 1>to stick around. I always sold those things lickety split. Immediately,

0:21:51.800 --> 0:21:54.880
<v Speaker 1>no matter what the stock had done. I treated it

0:21:54.960 --> 0:21:57.439
<v Speaker 1>like a free cash bonus and I sold it. That

0:21:57.520 --> 0:22:00.080
<v Speaker 1>worked for me because I personally didn't want to have

0:22:00.119 --> 0:22:02.080
<v Speaker 1>a lot of money tied up in one single stock,

0:22:02.160 --> 0:22:04.320
<v Speaker 1>let alone a stock that like they already have my

0:22:04.359 --> 0:22:08.120
<v Speaker 1>paycheck and my income, like if they crash, I could

0:22:08.160 --> 0:22:11.160
<v Speaker 1>lose what my stock value and my job Like that

0:22:11.240 --> 0:22:13.320
<v Speaker 1>for me was too much to risk. So that's why

0:22:13.359 --> 0:22:16.880
<v Speaker 1>I sold it immediately. Now where you're talking about tax

0:22:16.880 --> 0:22:19.280
<v Speaker 1>implications is if you sell it and then you pocket

0:22:19.640 --> 0:22:24.080
<v Speaker 1>the you pocket your proceeds. So that is where you

0:22:24.080 --> 0:22:27.400
<v Speaker 1>need to think about the tax implication. If you decide

0:22:27.400 --> 0:22:29.480
<v Speaker 1>to sell it. You know that could end up working

0:22:29.520 --> 0:22:31.960
<v Speaker 1>in your in your favor if you, you know, make

0:22:32.000 --> 0:22:35.159
<v Speaker 1>a certain amount of money on it. But you have

0:22:35.240 --> 0:22:39.480
<v Speaker 1>to also weigh the cost of short term in a

0:22:39.480 --> 0:22:43.760
<v Speaker 1>short term tax on on that sell out selling that stock.

0:22:44.240 --> 0:22:47.879
<v Speaker 1>So I would say talk it through with whether it's

0:22:47.880 --> 0:22:50.880
<v Speaker 1>an accountant or your financial planner, and just see if

0:22:50.920 --> 0:22:54.760
<v Speaker 1>it's worth the amount that you're paying in taxes. For

0:22:54.840 --> 0:22:57.320
<v Speaker 1>a lot of people, Like for example, back in January

0:22:57.400 --> 0:22:59.520
<v Speaker 1>TIF when everyone was buying not everyone, but a lot

0:22:59.560 --> 0:23:01.800
<v Speaker 1>of people were game stop and what was it like

0:23:01.880 --> 0:23:05.720
<v Speaker 1>AMC there were you know, I think I even had tweeted,

0:23:06.160 --> 0:23:09.639
<v Speaker 1>you know, be careful because if you purchase game Stop,

0:23:10.000 --> 0:23:12.720
<v Speaker 1>you know, in December and then the stock I don't

0:23:12.720 --> 0:23:15.960
<v Speaker 1>even know how much like quadruple or tenext a couple

0:23:16.000 --> 0:23:18.600
<v Speaker 1>of months later, and you sold to profit off of that,

0:23:18.680 --> 0:23:21.440
<v Speaker 1>you also had a tax had a tax hit because

0:23:21.440 --> 0:23:24.240
<v Speaker 1>you get taxed more when you hold the investment for

0:23:24.240 --> 0:23:26.520
<v Speaker 1>a shorter period of time. And a lot of people

0:23:26.600 --> 0:23:28.920
<v Speaker 1>on Twitter were like, yeah, we know, like don't you

0:23:28.920 --> 0:23:32.680
<v Speaker 1>shouldn't discourage people from investing just because of the tax implication,

0:23:32.760 --> 0:23:34.480
<v Speaker 1>Like you can still make a lot more money even

0:23:34.520 --> 0:23:37.639
<v Speaker 1>after paying taxes. And that's true. That's why I'm saying, like,

0:23:38.160 --> 0:23:41.000
<v Speaker 1>if you want to sell to get that benefit because

0:23:41.040 --> 0:23:44.000
<v Speaker 1>you bought the stock at a discount, cool, But then

0:23:44.040 --> 0:23:47.119
<v Speaker 1>also ask your financial planner or CPA or whoever you know,

0:23:47.160 --> 0:23:49.760
<v Speaker 1>what would my tax implication be and would it be

0:23:49.800 --> 0:23:52.879
<v Speaker 1>worth it? Nothing is stopping you from selling that stock

0:23:52.960 --> 0:23:55.480
<v Speaker 1>like I did and then using it. I didn't sell

0:23:55.520 --> 0:23:58.240
<v Speaker 1>it to cash the profit. I went turned around and

0:23:58.240 --> 0:24:01.360
<v Speaker 1>bought index funds or ETFs with it, so I instantly

0:24:01.440 --> 0:24:04.199
<v Speaker 1>diversified what would have been all the money tied up

0:24:04.240 --> 0:24:07.320
<v Speaker 1>in one stock by investing in an index fund or ETF,

0:24:07.359 --> 0:24:09.919
<v Speaker 1>which is how you can, you know, be exposed to

0:24:10.080 --> 0:24:14.200
<v Speaker 1>multiple stocks, not just one. So that's personally what I did.

0:24:15.080 --> 0:24:18.000
<v Speaker 1>And again I'm sure it was like a bunch of

0:24:18.080 --> 0:24:21.439
<v Speaker 1>conflicting information on that one answer, but yeah, there's really

0:24:21.800 --> 0:24:25.200
<v Speaker 1>there's really no one right answer. It's like a combination

0:24:25.320 --> 0:24:28.440
<v Speaker 1>of what makes sense financially and then what helps you.

0:24:28.800 --> 0:24:30.399
<v Speaker 1>What's the kind of decision that you can sleep with

0:24:30.440 --> 0:24:32.240
<v Speaker 1>that night, and that's something you have to come to

0:24:32.320 --> 0:24:32.760
<v Speaker 1>on your own.

0:24:33.400 --> 0:24:35.480
<v Speaker 2>That was good. I was like, that's your this is

0:24:35.520 --> 0:24:38.760
<v Speaker 2>I feel like when it comes to employee employe, but I.

0:24:39.119 --> 0:24:40.879
<v Speaker 1>I've buy some shares. A budget needs to end.

0:24:42.160 --> 0:24:45.600
<v Speaker 2>Yeah, but I will say we are switching so many

0:24:45.640 --> 0:24:48.879
<v Speaker 2>of our ten ninety nine contract workers as to W

0:24:49.119 --> 0:24:50.560
<v Speaker 2>two employees at the end of this month. So I'm

0:24:50.600 --> 0:24:53.080
<v Speaker 2>super excited about half the team is making this, well

0:24:53.080 --> 0:24:55.120
<v Speaker 2>more than half the team is making the switch. We're

0:24:55.160 --> 0:24:58.720
<v Speaker 2>offering our four one K a four one K plan

0:24:58.880 --> 0:25:02.959
<v Speaker 2>I'm looking into matching, and we're also offering health insurance

0:25:03.080 --> 0:25:06.199
<v Speaker 2>that includes vision and dental. I saw, I feel like

0:25:06.200 --> 0:25:08.160
<v Speaker 2>such a grown up in business isn't that great?

0:25:08.240 --> 0:25:11.159
<v Speaker 1>Dude? You're really like a startup that has now gone

0:25:11.520 --> 0:25:13.520
<v Speaker 1>has just reached like all the things you're talking about,

0:25:13.600 --> 0:25:16.359
<v Speaker 1>learning how to delegate and like doing all the things

0:25:16.359 --> 0:25:18.960
<v Speaker 1>in the beginning. It just sounds a lot like you're

0:25:19.000 --> 0:25:20.960
<v Speaker 1>a startup and now you're a big business.

0:25:21.040 --> 0:25:22.680
<v Speaker 2>You know, we are business now. I don't know about

0:25:22.680 --> 0:25:24.160
<v Speaker 2>big business, but we have business.

0:25:23.800 --> 0:25:25.359
<v Speaker 1>Business a business business.

0:25:26.040 --> 0:25:28.680
<v Speaker 2>That's awesome, so all of that. Honestly, just thinking about that,

0:25:28.720 --> 0:25:30.600
<v Speaker 2>I'm like, huh, I wonder you know, if we ever

0:25:30.680 --> 0:25:33.359
<v Speaker 2>do you know, do stock, Like what does that look like?

0:25:33.400 --> 0:25:35.320
<v Speaker 2>So like this has just all been interesting. No, but

0:25:35.359 --> 0:25:35.879
<v Speaker 2>that was good.

0:25:36.320 --> 0:25:39.280
<v Speaker 1>I mean, imagine if like a big bank purchased a

0:25:39.280 --> 0:25:41.879
<v Speaker 1>budget needs to ink and then you had I'm just

0:25:41.920 --> 0:25:44.200
<v Speaker 1>saying that's what happens with startups. You know, like you're

0:25:44.200 --> 0:25:46.280
<v Speaker 1>still a startup. I'm not saying that you would sell

0:25:46.400 --> 0:25:48.160
<v Speaker 1>like Tiffany, don't sell out, you know what I mean.

0:25:48.640 --> 0:25:51.720
<v Speaker 1>But but yeah, I mean, I you see this happen.

0:25:52.000 --> 0:25:56.120
<v Speaker 1>And I have friends who have like worked at well

0:25:56.160 --> 0:25:58.240
<v Speaker 1>I'm making this up, but let's say they started working

0:25:58.320 --> 0:26:01.639
<v Speaker 1>day one at Peloton, and you know they'll sometimes offer

0:26:01.720 --> 0:26:03.680
<v Speaker 1>you I don't know, what they're called. But they'll give

0:26:03.720 --> 0:26:05.720
<v Speaker 1>you stock without calling it stock. It's like a certain

0:26:05.760 --> 0:26:08.600
<v Speaker 1>class of shares because they haven't gone public yet or

0:26:08.600 --> 0:26:10.840
<v Speaker 1>no one, you know what I mean. And then you

0:26:10.960 --> 0:26:13.560
<v Speaker 1>kind of can see at least then you have some ownership,

0:26:13.640 --> 0:26:16.040
<v Speaker 1>like if they were to sell, you have something. So

0:26:16.080 --> 0:26:18.680
<v Speaker 1>that's kind of an exciting that's kind of an exciting

0:26:18.680 --> 0:26:21.480
<v Speaker 1>step for a budgetese to if you do ease it tease,

0:26:21.800 --> 0:26:25.439
<v Speaker 1>but first, like vision insurance, that's great. People need to

0:26:25.480 --> 0:26:30.560
<v Speaker 1>get their glasses and stuff. That's exciting though. All right,

0:26:30.680 --> 0:26:33.840
<v Speaker 1>and for our final question, this one comes from the GRAM.

0:26:33.960 --> 0:26:36.280
<v Speaker 1>All right, this says, hi, ladies, I'd like to buy

0:26:36.280 --> 0:26:38.960
<v Speaker 1>a home in twenty twenty five or twenty twenty six.

0:26:39.560 --> 0:26:42.280
<v Speaker 1>Is it smart to place home savings in an investment

0:26:42.320 --> 0:26:45.840
<v Speaker 1>account starting now or a high interest savings account? I

0:26:45.920 --> 0:26:48.639
<v Speaker 1>have my six month emergency fund saved and I'm currently

0:26:48.680 --> 0:26:52.520
<v Speaker 1>paying down some consumer debt. Good question.

0:26:52.600 --> 0:26:55.320
<v Speaker 2>So this is twenty twenty six, so you have one

0:26:55.560 --> 0:26:56.080
<v Speaker 2>how many years?

0:26:56.400 --> 0:27:00.000
<v Speaker 1>Years? Four or five years timeline?

0:27:00.520 --> 0:27:02.560
<v Speaker 2>Yeah, a five year timeline actually is not that because

0:27:02.600 --> 0:27:04.359
<v Speaker 2>usually people will tell you that like kind of like

0:27:04.400 --> 0:27:07.120
<v Speaker 2>the rule of thumb is, if you're investing, you want

0:27:07.119 --> 0:27:08.720
<v Speaker 2>to at least leave it alone for five years. So

0:27:08.760 --> 0:27:10.680
<v Speaker 2>if I had five years, I probably wouldn't just keep

0:27:10.680 --> 0:27:13.920
<v Speaker 2>it in. I wouldn't I wouldn't put all in an

0:27:13.920 --> 0:27:16.040
<v Speaker 2>investment account, but I wouldn't put all in the savings.

0:27:16.040 --> 0:27:18.119
<v Speaker 2>I probably would do like some sort of half and half,

0:27:18.760 --> 0:27:21.199
<v Speaker 2>because five years is just about the cusp of what

0:27:21.240 --> 0:27:25.080
<v Speaker 2>you're looking for when when you're thinking about investing, Because

0:27:25.119 --> 0:27:26.199
<v Speaker 2>what I don't want you to do is not to

0:27:26.240 --> 0:27:28.160
<v Speaker 2>have the money readily available. But then I don't want

0:27:28.160 --> 0:27:30.359
<v Speaker 2>you to miss out and potentially earning more than you

0:27:30.600 --> 0:27:31.960
<v Speaker 2>with a savings account.

0:27:32.640 --> 0:27:35.960
<v Speaker 1>Yeah, I mean, she says she's got six months of

0:27:36.080 --> 0:27:39.639
<v Speaker 1>emergency fund saved and she is paying down some consumer debt,

0:27:40.080 --> 0:27:43.439
<v Speaker 1>and maybe I mean the consumer debt, like I don't

0:27:43.520 --> 0:27:46.520
<v Speaker 1>know how much it is. I don't know. I can't

0:27:46.520 --> 0:27:48.399
<v Speaker 1>even say whether it sounds like it's a lot or not.

0:27:48.480 --> 0:27:50.919
<v Speaker 1>But let's assume it's not very much. Let's assume that

0:27:50.960 --> 0:27:52.720
<v Speaker 1>she can pay it off. Maybe the next few months,

0:27:54.160 --> 0:27:57.680
<v Speaker 1>you can do a hybrid. I mean, if five years

0:27:57.760 --> 0:28:00.159
<v Speaker 1>is about the yeah, it's it's about like is that

0:28:00.200 --> 0:28:02.359
<v Speaker 1>a short term or a long term investment? And then

0:28:02.600 --> 0:28:04.720
<v Speaker 1>what I would say is Investing in the market can

0:28:05.320 --> 0:28:08.479
<v Speaker 1>mean a bunch of different things. So if you're looking

0:28:09.119 --> 0:28:12.640
<v Speaker 1>to invest in something that could potentially give you a

0:28:12.720 --> 0:28:14.720
<v Speaker 1>you know, a good return on investment, but not make

0:28:14.800 --> 0:28:17.879
<v Speaker 1>you overexposed to any one single stock, I would say,

0:28:18.200 --> 0:28:21.960
<v Speaker 1>you know, choose ETFs or even opening up a brokerage

0:28:21.960 --> 0:28:24.840
<v Speaker 1>account that has Like, for example, I opened up a

0:28:24.840 --> 0:28:29.159
<v Speaker 1>brokerage account recently, and there was a certain fund you know,

0:28:29.240 --> 0:28:33.440
<v Speaker 1>based on time horizon and based on risk tolerance. Those

0:28:33.440 --> 0:28:35.639
<v Speaker 1>are just fancy words for how much time do you

0:28:35.840 --> 0:28:39.320
<v Speaker 1>have to invest for and then how stressed out are

0:28:39.360 --> 0:28:41.960
<v Speaker 1>you going to be if the market goes down and

0:28:42.040 --> 0:28:45.440
<v Speaker 1>goes up. So based on those answers, I was directed

0:28:45.480 --> 0:28:49.360
<v Speaker 1>to a specific kind of fund and it instantly diversifies,

0:28:49.480 --> 0:28:51.280
<v Speaker 1>you know, put money in and it spreads it across

0:28:51.320 --> 0:28:54.920
<v Speaker 1>several ETFs and that you know worked for what I wanted.

0:28:55.000 --> 0:28:58.280
<v Speaker 1>So you could look at options like that to help you,

0:28:58.280 --> 0:29:01.000
<v Speaker 1>you know, make sure that you're investing, you know, putting

0:29:01.000 --> 0:29:04.520
<v Speaker 1>your money for your home down payment somewhere that you're

0:29:04.560 --> 0:29:07.800
<v Speaker 1>broadly diversified over the next four years, so four or

0:29:07.800 --> 0:29:10.320
<v Speaker 1>five years, so when company goes down, it doesn't like

0:29:10.320 --> 0:29:13.560
<v Speaker 1>take your whole down payment with it, so j I

0:29:13.560 --> 0:29:15.520
<v Speaker 1>would just say acknowledge the risks of that. You know,

0:29:15.600 --> 0:29:19.560
<v Speaker 1>the biggest difference between a savings account at an FDIC

0:29:19.680 --> 0:29:23.240
<v Speaker 1>insured bank and an investment account is that it's FDIC insurance.

0:29:23.240 --> 0:29:25.560
<v Speaker 1>It's a beautiful thing, baby, it's a beautiful thing. It

0:29:25.600 --> 0:29:30.960
<v Speaker 1>means if the banks collapse, then the federal government ensures

0:29:30.960 --> 0:29:33.360
<v Speaker 1>the money in your account up to two hundred and

0:29:33.360 --> 0:29:35.760
<v Speaker 1>fifty thousand dollars, I think, And you don't have that

0:29:35.800 --> 0:29:37.960
<v Speaker 1>when you're investing, so you have to sort of assume

0:29:38.000 --> 0:29:41.040
<v Speaker 1>the risk of what happens when you invest in one

0:29:41.120 --> 0:29:43.959
<v Speaker 1>hundred percent. You know, consult a professional if you'd like to,

0:29:44.480 --> 0:29:46.480
<v Speaker 1>and do your own due diligence because you really have

0:29:46.520 --> 0:29:52.200
<v Speaker 1>to make the best choice for yourself. Isn't it crazy?

0:29:52.200 --> 0:29:52.360
<v Speaker 5>Though?

0:29:52.400 --> 0:29:56.440
<v Speaker 1>The housing market, like I've heard stories about, especially in

0:29:56.600 --> 0:29:58.720
<v Speaker 1>like I have a lot of colleagues who live in

0:29:58.840 --> 0:30:02.400
<v Speaker 1>Charlotte and does of offers on the same home and

0:30:02.560 --> 0:30:06.080
<v Speaker 1>basically for the for the typical first time home buyer,

0:30:06.280 --> 0:30:09.320
<v Speaker 1>you know, maybe you have ten twenty percent saved sides

0:30:09.720 --> 0:30:12.360
<v Speaker 1>for a down payment, like maybe you're looking at an

0:30:12.480 --> 0:30:14.760
<v Speaker 1>FAHA loan or something like that. It's really hard to

0:30:15.800 --> 0:30:18.400
<v Speaker 1>even find a home that's affordable, because like you may

0:30:18.440 --> 0:30:20.640
<v Speaker 1>look at a home and say, oh, that's four hundred thousands,

0:30:20.680 --> 0:30:23.400
<v Speaker 1>I have eighty thousand dollars cash for a down payment. Great,

0:30:23.720 --> 0:30:25.360
<v Speaker 1>But then there's a bidding war and all of a sudden,

0:30:25.400 --> 0:30:27.320
<v Speaker 1>the house is six hundred thousand and you don't have

0:30:27.320 --> 0:30:29.760
<v Speaker 1>one hundred and twenty thousand, you know, and it's it's

0:30:29.800 --> 0:30:31.680
<v Speaker 1>just way out of your price range so fast. So

0:30:32.080 --> 0:30:32.880
<v Speaker 1>I just feel like.

0:30:33.680 --> 0:30:36.880
<v Speaker 2>But honestly, this is what I'll say. I remember right

0:30:36.960 --> 0:30:42.600
<v Speaker 2>before the last recession, how home prices were astronomical and

0:30:42.680 --> 0:30:45.520
<v Speaker 2>people were scrambling to get homes, and I just want

0:30:45.560 --> 0:30:52.360
<v Speaker 2>to tell people like, this is artificially high. You have

0:30:52.400 --> 0:30:55.120
<v Speaker 2>to ask yourself, how does a home go from two

0:30:55.200 --> 0:30:59.880
<v Speaker 2>hundred to four hundred. I just I cost people from

0:31:00.080 --> 0:31:02.520
<v Speaker 2>rushing to get anything, just something, just anything. I get

0:31:02.520 --> 0:31:03.760
<v Speaker 2>it because I've been there when I'm I gonna just

0:31:03.800 --> 0:31:06.280
<v Speaker 2>want anything, do something, And I did that. And guess what.

0:31:06.400 --> 0:31:07.960
<v Speaker 2>The house that I bought when I was twenty five

0:31:08.280 --> 0:31:10.440
<v Speaker 2>has never reached back up to the two twenty that

0:31:10.480 --> 0:31:13.160
<v Speaker 2>I bought it for. It's been almost it's been over

0:31:13.280 --> 0:31:17.160
<v Speaker 2>twenty years. No, it's been over fifteen years if.

0:31:17.080 --> 0:31:19.040
<v Speaker 1>You internet stock your ex condo.

0:31:19.440 --> 0:31:22.080
<v Speaker 2>I do. It's't that crazy because I want to justify

0:31:22.160 --> 0:31:24.360
<v Speaker 2>one day it would have been worth it. It's still to

0:31:24.400 --> 0:31:27.240
<v Speaker 2>this day, Mandy, the hiat has gotten is one eighty.

0:31:27.240 --> 0:31:29.320
<v Speaker 2>I bought it for two twenty. So I don't want

0:31:29.320 --> 0:31:32.560
<v Speaker 2>you to get something at this height of this artificial

0:31:32.600 --> 0:31:35.720
<v Speaker 2>market just to have something only five years from now

0:31:35.760 --> 0:31:39.240
<v Speaker 2>to find that you are you are underwater, which means

0:31:39.240 --> 0:31:41.320
<v Speaker 2>that your mortgage is actually more than what you could

0:31:41.320 --> 0:31:43.800
<v Speaker 2>sell the house for. So sometimes the blessing is that

0:31:43.840 --> 0:31:46.440
<v Speaker 2>you didn't get it, you know, like, I'm not purchasing.

0:31:46.600 --> 0:31:48.920
<v Speaker 2>I had set aside a bunch of money to buy

0:31:49.000 --> 0:31:51.400
<v Speaker 2>some homes, but I'm like, yeah, I'm not doing it.

0:31:51.440 --> 0:31:54.120
<v Speaker 2>I'm not going to. I have much rather put my

0:31:54.320 --> 0:31:57.560
<v Speaker 2>investment towards something where there's going to be a yield.

0:31:57.960 --> 0:32:00.800
<v Speaker 2>Where Why would I buy an inflated house for five

0:32:00.960 --> 0:32:02.520
<v Speaker 2>years from now for it to go back to the

0:32:02.560 --> 0:32:04.680
<v Speaker 2>value where it's supposed to be and I've lost some money.

0:32:04.720 --> 0:32:06.760
<v Speaker 2>So just be mindful about getting a house just to

0:32:06.760 --> 0:32:07.880
<v Speaker 2>get a house, just to get a house.

0:32:08.760 --> 0:32:11.360
<v Speaker 1>Amen to that, absolutely, And I like the fact that

0:32:11.440 --> 0:32:14.840
<v Speaker 1>it sounds like she's cooling her jets until twenty twenty five. Yes,

0:32:14.920 --> 0:32:15.760
<v Speaker 1>people may not want.

0:32:15.680 --> 0:32:16.080
<v Speaker 3>To hear that.

0:32:16.160 --> 0:32:19.560
<v Speaker 1>But if if you're I like I mean, Tiffany, it

0:32:19.560 --> 0:32:21.320
<v Speaker 1>sounds like you had sort of a budget in mind

0:32:21.320 --> 0:32:23.320
<v Speaker 1>for what you wanted to spend where you wanted to

0:32:23.360 --> 0:32:25.960
<v Speaker 1>spend it. And if things are getting too out of

0:32:25.960 --> 0:32:30.040
<v Speaker 1>control and you're having to stretch yourself to you know,

0:32:30.120 --> 0:32:33.360
<v Speaker 1>to a point where you're really financially uncomfortable, then just

0:32:33.360 --> 0:32:35.880
<v Speaker 1>just sit down. Markets go up and down. That applies

0:32:35.920 --> 0:32:37.840
<v Speaker 1>to the housing market as well. It may take a

0:32:37.920 --> 0:32:41.560
<v Speaker 1>year or two because a housing market moves very slowly sometimes,

0:32:41.640 --> 0:32:45.080
<v Speaker 1>but hopefully we'll come back to a realm of normalcy

0:32:45.600 --> 0:32:48.040
<v Speaker 1>in the next couple of years in the housing market.

0:32:48.920 --> 0:32:51.600
<v Speaker 1>But definitely don't just buy to buy. That's yeah, yes,

0:32:51.840 --> 0:32:53.760
<v Speaker 1>I mean it's you know, it's fine, but it's it's

0:32:53.840 --> 0:32:55.320
<v Speaker 1>not necessarily the best way to.

0:32:55.480 --> 0:32:57.080
<v Speaker 2>Yes, I don't want you to end up like me

0:32:57.360 --> 0:33:00.360
<v Speaker 2>stalking my old content, like what day you'll be with whatever?

0:33:01.480 --> 0:33:03.800
<v Speaker 2>It kind of was like never never.

0:33:04.200 --> 0:33:06.200
<v Speaker 1>That is like going back and stalking your ex.

0:33:06.280 --> 0:33:08.880
<v Speaker 2>It's so funny, all right, waiting for your exit, live

0:33:08.880 --> 0:33:11.280
<v Speaker 2>a bad life, and they're like, Grandma, you're flourishing, leave

0:33:11.280 --> 0:33:11.920
<v Speaker 2>me alone.

0:33:13.520 --> 0:33:15.960
<v Speaker 1>All right, Well, thank y'all so much for your questions.

0:33:16.760 --> 0:33:19.040
<v Speaker 1>Take a quick break and come back with brown Boost Brown.

0:33:18.880 --> 0:33:56.680
<v Speaker 5>Break, And now it's time to boost break b st breaker,

0:33:56.760 --> 0:33:57.960
<v Speaker 5>b stie breaking.

0:34:00.000 --> 0:34:01.280
<v Speaker 2>Well you go do, Mandy, you gonna boost? Are you

0:34:01.320 --> 0:34:01.880
<v Speaker 2>gonna break?

0:34:02.480 --> 0:34:05.600
<v Speaker 1>I'm going to boost today. I actually came across this

0:34:05.640 --> 0:34:08.200
<v Speaker 1>news article a colleague has sent it to me today,

0:34:08.280 --> 0:34:10.560
<v Speaker 1>and even though it's from October, I hadn't read this,

0:34:10.719 --> 0:34:13.640
<v Speaker 1>maybe because I was still in the haze of pandemonium,

0:34:13.640 --> 0:34:16.600
<v Speaker 1>but I hadn't read this, this research that had come out,

0:34:16.760 --> 0:34:22.400
<v Speaker 1>and this phenomenal economist named Dana Peterson, black woman. She

0:34:22.880 --> 0:34:25.200
<v Speaker 1>had worked for City Bank for a long time. Now

0:34:25.200 --> 0:34:28.200
<v Speaker 1>she's a chief economist at a company called the Conference Board.

0:34:28.520 --> 0:34:31.680
<v Speaker 1>But Dana decided last year that she was actually going

0:34:31.719 --> 0:34:34.760
<v Speaker 1>to put a number on the cost of systemic racism

0:34:35.520 --> 0:34:38.480
<v Speaker 1>to a society, to America, Like how much has the

0:34:38.520 --> 0:34:41.719
<v Speaker 1>economy missed out on? Because if you're black and brown

0:34:41.760 --> 0:34:45.000
<v Speaker 1>in this country, you're how your home is worthless because

0:34:45.320 --> 0:34:48.600
<v Speaker 1>you earn less over time because you don't get you know,

0:34:48.800 --> 0:34:52.799
<v Speaker 1>a certain salary. All those all those different factors, and

0:34:53.000 --> 0:34:54.319
<v Speaker 1>the number that I don't know if this is a

0:34:54.320 --> 0:34:56.320
<v Speaker 1>boost or break. I think it's a boost for Dana

0:34:56.600 --> 0:35:00.839
<v Speaker 1>because she took her own experiences this article Bloomberg will

0:35:00.840 --> 0:35:02.319
<v Speaker 1>put a link to on the show. Note she took

0:35:02.320 --> 0:35:06.319
<v Speaker 1>her own experience encountering racism as she worked up you know,

0:35:06.400 --> 0:35:09.560
<v Speaker 1>worked her way through financial services, and decided to actually

0:35:09.640 --> 0:35:12.040
<v Speaker 1>quantify it. And the number that she came up with

0:35:12.200 --> 0:35:16.600
<v Speaker 1>is kind of insane. But racism has cost America sixteen

0:35:16.719 --> 0:35:22.520
<v Speaker 1>trillion dollars. Sixteen trillion with a T dollars okay, that

0:35:22.560 --> 0:35:26.560
<v Speaker 1>could have paid for sixteen stimulus plans, right like economic

0:35:26.640 --> 0:35:29.440
<v Speaker 1>relief packages. So I just wanted to highlight that and

0:35:29.719 --> 0:35:32.560
<v Speaker 1>say thanks to Dana. In this article, she also just

0:35:32.600 --> 0:35:36.160
<v Speaker 1>shares like a bunch of anecdotes about how she had

0:35:36.280 --> 0:35:41.400
<v Speaker 1>encountered bias herself and how she decided to tackle this

0:35:41.520 --> 0:35:44.960
<v Speaker 1>question and use her skills as an economist and researcher,

0:35:45.360 --> 0:35:47.560
<v Speaker 1>and bless her for that, to use those skills to

0:35:47.600 --> 0:35:50.719
<v Speaker 1>actually give people, to help people see that when we

0:35:50.760 --> 0:35:54.160
<v Speaker 1>talk about wealth building for black and brown people, it's

0:35:54.160 --> 0:35:56.760
<v Speaker 1>not just costing us, you know, it's not just costing

0:35:56.800 --> 0:36:00.520
<v Speaker 1>our children wealth. It's also costing the country wealth. Because

0:36:00.560 --> 0:36:03.160
<v Speaker 1>when you don't. When everyone is not succeeding and everyone's

0:36:03.200 --> 0:36:07.239
<v Speaker 1>not successful and thriving financially, it actually hurts the economy.

0:36:07.400 --> 0:36:10.800
<v Speaker 1>You know, they have more people who are unable to spend,

0:36:10.920 --> 0:36:15.160
<v Speaker 1>which drives business. Right, So if we really want to

0:36:15.160 --> 0:36:18.520
<v Speaker 1>to improve the economy, we should all treat financial equity

0:36:19.120 --> 0:36:21.919
<v Speaker 1>as a real urgent need and an urgent call to action.

0:36:22.120 --> 0:36:24.800
<v Speaker 1>And so I love this this little piece of research.

0:36:24.840 --> 0:36:27.600
<v Speaker 1>So shout out to Dana and uh yeah, we'll post

0:36:27.640 --> 0:36:28.960
<v Speaker 1>a link to that in the show notes.

0:36:30.200 --> 0:36:34.280
<v Speaker 2>Thank you, Dana. I am going to boost as well.

0:36:35.120 --> 0:36:40.239
<v Speaker 2>So everybody's favorite financial fairy godmother, Lynette so Forms Women

0:36:40.239 --> 0:36:41.640
<v Speaker 2>to reached out to me, I don't know, some months

0:36:41.680 --> 0:36:45.239
<v Speaker 2>ago and asked me it was this a thing that

0:36:45.280 --> 0:36:48.520
<v Speaker 2>I did called the One, And it was supposed to

0:36:48.560 --> 0:36:52.560
<v Speaker 2>be about who was like the one person in your

0:36:52.600 --> 0:36:55.319
<v Speaker 2>professional life that like made all the difference, you know,

0:36:55.960 --> 0:37:00.200
<v Speaker 2>And of course I was like, that's easy, Lynette, And

0:37:00.280 --> 0:37:05.239
<v Speaker 2>so I talked about how as a result of like

0:37:05.320 --> 0:37:07.759
<v Speaker 2>meeting Lynette so many years ago, I don't even know,

0:37:07.920 --> 0:37:10.839
<v Speaker 2>it was probably like about ten years ago. You can

0:37:10.960 --> 0:37:14.040
<v Speaker 2>go on if you go down Forbes. It's just it's

0:37:14.040 --> 0:37:17.080
<v Speaker 2>called how the budget needs to save people millions with

0:37:17.160 --> 0:37:20.239
<v Speaker 2>help from an unexpected mentor. And it's just really nice.

0:37:20.280 --> 0:37:23.200
<v Speaker 2>It's just this six minute video that came to my house.

0:37:23.239 --> 0:37:25.879
<v Speaker 2>They recorded me kind of just talking about how when

0:37:25.880 --> 0:37:29.640
<v Speaker 2>I first met Lynette, how I made a mistake and

0:37:29.680 --> 0:37:32.440
<v Speaker 2>how I treated her nothing disrespectful, but like it was

0:37:32.480 --> 0:37:34.080
<v Speaker 2>embarrassing now that I look back on it, not for

0:37:34.120 --> 0:37:37.880
<v Speaker 2>Lynette but for me, and how she poured so much

0:37:38.800 --> 0:37:43.359
<v Speaker 2>into me in that first car ride and how to

0:37:43.400 --> 0:37:45.839
<v Speaker 2>this day it really helped to catapult me to where

0:37:45.920 --> 0:37:48.480
<v Speaker 2>I am now and all the things that she used

0:37:48.480 --> 0:37:50.880
<v Speaker 2>to share and tell me are where I am now.

0:37:51.400 --> 0:37:55.200
<v Speaker 2>And the thing about Lynette kwed Fondi Cox, if you're

0:37:55.239 --> 0:37:59.040
<v Speaker 2>not familiar, she's one of the first black financial educators

0:37:59.080 --> 0:38:02.200
<v Speaker 2>women to be seen publicly. I mean Good Morning America today,

0:38:02.239 --> 0:38:05.000
<v Speaker 2>so all the shows, Lynette did it before everybody. And

0:38:05.040 --> 0:38:08.440
<v Speaker 2>not only just that, she's just like the kindest, like honestly,

0:38:09.080 --> 0:38:11.760
<v Speaker 2>I you know, I told my story and I posted

0:38:11.800 --> 0:38:14.239
<v Speaker 2>it in our in our Black money group, Mandy, and

0:38:14.320 --> 0:38:16.920
<v Speaker 2>like the comments were just feels like about Lynette stories

0:38:16.920 --> 0:38:18.520
<v Speaker 2>and one time she helped me and one time she

0:38:18.560 --> 0:38:21.239
<v Speaker 2>did this, and and that's what I aspired to be

0:38:21.400 --> 0:38:24.360
<v Speaker 2>I aspired to be a Lynette. I told the story

0:38:24.400 --> 0:38:28.120
<v Speaker 2>on social media the other day about how one of

0:38:28.120 --> 0:38:30.840
<v Speaker 2>my other mentors shared how she had made a mistake

0:38:30.880 --> 0:38:33.319
<v Speaker 2>when she had a mentor because she thought she and

0:38:33.320 --> 0:38:35.200
<v Speaker 2>the mentor were neck and neck at one point because

0:38:35.200 --> 0:38:37.520
<v Speaker 2>they had been on the same stages, but not understanding

0:38:37.560 --> 0:38:39.640
<v Speaker 2>that you could be on the same stage in different levels.

0:38:40.520 --> 0:38:44.040
<v Speaker 2>And how she learned very quickly that although she was

0:38:44.080 --> 0:38:46.680
<v Speaker 2>a light pole and it seemed taller than her mentor,

0:38:46.719 --> 0:38:49.760
<v Speaker 2>but her mentor was a tree and had deep roots.

0:38:50.440 --> 0:38:53.719
<v Speaker 2>And when her foundation was shaken, her light pole fell

0:38:53.760 --> 0:38:56.440
<v Speaker 2>and the mentor's tree remained, and it quickly humbled her

0:38:56.440 --> 0:39:01.920
<v Speaker 2>to realize that nasis don't compare here, your instant flash

0:39:02.080 --> 0:39:05.520
<v Speaker 2>with someone's years and years and years of work. And

0:39:06.040 --> 0:39:08.960
<v Speaker 2>I could never hold a candle to Lynnette like what

0:39:09.000 --> 0:39:12.800
<v Speaker 2>she's able to do, how she's been able to help folks.

0:39:13.320 --> 0:39:16.640
<v Speaker 2>I mean, Lynette is to me the ultimate goals. How

0:39:16.680 --> 0:39:19.080
<v Speaker 2>she shows up as a wife, as a mother, as

0:39:19.120 --> 0:39:22.480
<v Speaker 2>a friend, as a mentor, as a financial educator. Lynette

0:39:23.040 --> 0:39:26.080
<v Speaker 2>been a New York Times bestseller and just the humblest

0:39:26.080 --> 0:39:28.319
<v Speaker 2>and kindest and just I just wanted to say all

0:39:28.320 --> 0:39:32.320
<v Speaker 2>that I know she's herd earl. I love her. She's

0:39:32.440 --> 0:39:35.680
<v Speaker 2>just she's goals and when I look at Lynnette, that's

0:39:35.680 --> 0:39:39.160
<v Speaker 2>what I hope to grow too. So yeah, that was

0:39:39.200 --> 0:39:40.919
<v Speaker 2>just it. I just wanted to share that. Just shout

0:39:40.960 --> 0:39:42.960
<v Speaker 2>out to Forbes and especially Forbes Women for giving me

0:39:43.000 --> 0:39:47.600
<v Speaker 2>the opportunity to brag on my mentor and to I

0:39:47.640 --> 0:39:49.440
<v Speaker 2>didn't even say share her with the world because'slready been

0:39:49.440 --> 0:39:52.040
<v Speaker 2>shared many, many times, but to share at least my

0:39:52.160 --> 0:39:54.320
<v Speaker 2>personal story with her with the world.

0:39:54.600 --> 0:39:56.440
<v Speaker 1>Oh, I love that. I love Lynette. I feel like

0:39:56.520 --> 0:39:59.120
<v Speaker 1>she's the Tom Hanks of Brown Ambition, like Tom Hanks

0:39:59.200 --> 0:40:01.600
<v Speaker 1>is like the most or is it Alec Baldwin. I

0:40:01.640 --> 0:40:04.520
<v Speaker 1>don't know on SNL, but Lynette has been on the

0:40:04.520 --> 0:40:07.120
<v Speaker 1>show at least three times, I want to say, most

0:40:07.120 --> 0:40:09.400
<v Speaker 1>recently to talk about how she and her hubby Earl

0:40:09.480 --> 0:40:13.480
<v Speaker 1>are creating a real estate investing empire just across all

0:40:13.480 --> 0:40:16.880
<v Speaker 1>these United States. So check out. Well, I don't remember

0:40:16.880 --> 0:40:18.920
<v Speaker 1>what the episode is, but I'm sure we can figure

0:40:18.920 --> 0:40:21.279
<v Speaker 1>it out and post that in the show notes. If

0:40:21.320 --> 0:40:23.120
<v Speaker 1>you want to go back and get your fix of

0:40:23.200 --> 0:40:26.680
<v Speaker 1>Lynette the Money Coach, ask the Money coach. That's her website.

0:40:26.680 --> 0:40:30.359
<v Speaker 1>I think yes, she's awesome. All right, well that is

0:40:30.400 --> 0:40:34.960
<v Speaker 1>the show. Can't wait to see y'all next week. Get

0:40:34.960 --> 0:40:36.640
<v Speaker 1>some rest, go plan some seeds or something.