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Speaker 1: Ah. This has been requested by none other than Mandy herself. Hey, hey,

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Speaker 1: we're back. We're back. We're back, We're back, We're brown,

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Speaker 1: We're back, and we're ambitions. Welcome to Brown Ambition, y'all.

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Speaker 2: It's like the title sets Brown Ambition, check and check. Well,

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Speaker 2: how are you? How is your week going?

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Speaker 1: It's going good. The weather has finally broken, I'm hoping,

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Speaker 1: and it's been nice. I don't know, Like at night,

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Speaker 1: I'm always like do I turn on the heat still

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Speaker 1: because I always wake up freezing, But during the day

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Speaker 1: it's really warm. So I'm just excited because I'm just

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Speaker 1: looking forward to like a night spring summer.

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Speaker 2: I know, today I wore sandals and a sun dress.

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Speaker 2: It was like, it's like the good weather followed me

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Speaker 2: home from Savannah.

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Speaker 1: Yeah. Yeah, it was that kind of weather. And it

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Speaker 1: was freaky because I was like, wait, do I trust

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Speaker 1: it or is it like at three o'clock gonna turn ugly?

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Speaker 2: You know, because New York is moody.

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Speaker 1: Yeah, it's very sidebar. I had such good sushi for

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Speaker 1: lunch today. I don't it's so random, but like I

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Speaker 1: just had a flashback. I was like, oh, that was

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Speaker 1: so good.

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Speaker 2: I have food. I too have food flashbacks. I respect that.

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Speaker 2: I know how that feels.

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Speaker 1: Like.

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Speaker 2: I'm still thinking about this dinner I had at this

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Speaker 2: Cuban restaurant and Hoboken, like maybe six weeks ago. I'm like,

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Speaker 2: damn that sea gass was good.

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Speaker 1: That's like when we had our brown ambision of one

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Speaker 1: year anniversary and we had it at popa Oof food.

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Speaker 1: Oh sidebar. Today is my anniversary.

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Speaker 2: So many sidebars and I forgot.

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Speaker 1: So Superman came into the room meanwhile, it's like four,

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Speaker 1: and I'm like laid down the bed like He's like, hey,

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Speaker 1: somebody forgot a special day. I'm like, I'm thinking my head, okay,

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Speaker 1: his birthday is August heard and I'm looking at him.

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Speaker 1: What is he talking about? Then he started singing, do

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Speaker 1: you know what to days? I was like, advised me.

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Speaker 1: He was like, you forgot?

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Speaker 2: Do you keep celebrating it after you get engaged because

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Speaker 2: we're gonna stop?

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Speaker 1: Yeah, because I'm like, it doesn't really. I mean, meanwhile,

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Speaker 1: how we came up with it with so whack? Because

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Speaker 1: I remember we were dating and you know, I kind

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Speaker 1: of was like, so, you know, what are we doing?

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Speaker 1: You know, I'm looking for something more serious, and he

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Speaker 1: was like, oh, you know, you know, I am too.

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Speaker 1: But you know, at the time we were both kind

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Speaker 1: of like dating, not just each other, but mostly just

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Speaker 1: each other. He was like, well, can you give me

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Speaker 1: to April eleventh to clean up my mess? And I

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Speaker 1: was like, so, now that's so, I'm like, forgive me,

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Speaker 1: forgive me for not remembering such a romantic occasion.

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Speaker 2: What this mess? The mess of the trail of broken

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Speaker 2: hearts he would leave in his in his wake.

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Speaker 1: I was like, guys, is so extra. All I had

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Speaker 1: to do was make a phone call and be like yeah,

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Speaker 1: so you know, we're just friends now, and I'm like,

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Speaker 1: what do you have to clean up? But anyway, so

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Speaker 1: that's how the eleventh was chosen. So I'm like, you

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Speaker 1: know what, it's not all that special to me, but

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Speaker 1: it's a shame because I don't remember days. He remembers

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Speaker 1: the day we got engaged. I'm not gonna lie I

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Speaker 1: do it was in October sometime, because that's my birthday.

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Speaker 1: But I can't hear from a nap. And I saw

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Speaker 1: flowers on the table and I was like, oh my god,

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Speaker 1: who's flowers to these? He just looked at me like Tiffany.

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Speaker 2: I was like, I mean, yes, thank you today. Oh

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Speaker 2: that's sweet.

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Speaker 1: Yeah, it was sweet.

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Speaker 2: It's also my best friend Vivian's birthday, so I got

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Speaker 2: to give her a little shout out. And she's also

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Speaker 2: one of my well go ahead shout out commenced heavib,

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Speaker 2: so she was one of my bride's maids. So I

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Speaker 2: felt like I really didn't want to forget her birthday.

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Speaker 2: So I bought her something like I don't know, like

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Speaker 2: three or four weeks ago, would have had it delivered,

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Speaker 2: it arrived like over I think the time I was

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Speaker 2: away and I totally forgot that I bought. I bought

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Speaker 2: her something like id that have happened to you?

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Speaker 1: Like?

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Speaker 2: I ordered it? I had a plan and then I

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Speaker 2: she mentioned it or something like during the weekend and

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Speaker 2: I was like, holy crap, I forgot about her birthday.

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Speaker 2: I was like, what am I gonna do? What can

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Speaker 2: I get her? What is she like? Man? I like

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Speaker 2: these earrings?

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Speaker 1: Wait?

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Speaker 2: And I just took me forever to remember that I

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Speaker 2: already bought her something like That's I had like wedding brain.

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Speaker 1: So I'm sure she was surprised, like, oh my gosh.

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Speaker 2: Well I haven't given it to her yet, because I

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Speaker 2: think she needed I think she needs a little break

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Speaker 2: from me. So I'm giving her a few days. But

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Speaker 2: then I'm gonna lower her, loure her with a treat

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Speaker 2: to come get her present, and then like just so

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Speaker 2: I can hang out with her some more. But I try,

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Speaker 2: you know, you try. I think it's important. I think

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Speaker 2: birthdays are nice. I think it's nice to give birthday

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Speaker 2: gifts because no one really does it when you're grown up.

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Speaker 2: It's like, let me take you for a drink and

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Speaker 2: let me, you know, take you to lunch. But it so,

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Speaker 2: I don't know. I think it's sweet to get a

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Speaker 2: little present. So that's happened.

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Speaker 1: So this is a special episode, right because if Brown ambition,

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Speaker 1: we're gonna be doing some q n A.

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Speaker 2: This is the episode you've all been waiting for, because

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Speaker 2: if you have been sending your question in, you're like, man,

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Speaker 2: why haven't read my question yet? They suck? They don't,

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Speaker 2: they don't tell the truth, they're pick my question. I'm

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Speaker 2: giving up this. This this show is for you because

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Speaker 2: I am cleaning out my inbox, cleaning it out, and

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Speaker 2: we are taking your questions and we're.

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Speaker 1: Gonna them all episode. That's what we're just gonna focus on.

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Speaker 1: So if you're looking for us to like, you know,

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Speaker 1: you're not gonna be breaking or boosting. We're gonna be

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Speaker 1: questioning and.

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Speaker 2: Answering, cute and a So this should inspire you. I'm

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Speaker 2: cleaning out the inbox. That means once we finish, I'm

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Speaker 2: gonna need more questions. So if you want to send

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Speaker 2: us a question, head on over to Brown Ambition podcast

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Speaker 2: dot com. Uh click the tab that says ask us anything.

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Speaker 2: You can fill out a question right there, go straight

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Speaker 2: to our inbox. Or you don't trust the Internet, you

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Speaker 2: can just email us directly at Brown Ambition Podcast at

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Speaker 2: gmail dot com dot com. I don't trust. I don't

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Speaker 2: trust those little boxes. Is that weird? Like I don't

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Speaker 2: like them?

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Speaker 1: I don't like it. I like it. Well, this is

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Speaker 1: what I see people do because I, you know, I

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Speaker 1: have a contact me box for like my my website,

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Speaker 1: and people will because you typically have to type in

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Speaker 1: your email, they'll constantly like misspell their own email address.

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Speaker 1: So when you hit reply, it bounces back and I'm like, oh,

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Speaker 1: like now I have to try to guess, like what

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Speaker 1: the incorrect spelling was, Like, oh, you forgot it's not

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Speaker 1: dot com c O n is dot com. That's why

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Speaker 1: it bounce back.

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Speaker 2: Well, I don't think they don't deserve a question, then

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Speaker 2: they don't deserve an answer. Take your time. Yeah, I

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Speaker 2: just don't like not being able. I don't like not

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Speaker 2: knowing who I'm emailing, like their actual address. I can

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Speaker 2: like send follows. Maybe just because I'm a reporter and

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Speaker 2: like I need question I need answers quickly, and I

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Speaker 2: feel like the comment boxes it takes a while. You

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Speaker 2: know it's going to get dumped somewhere. But you guys

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Speaker 2: should know that I read every email and I read it,

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Speaker 2: you know well, and we picked the questions we think

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Speaker 2: are most interesting. So you're at your questions will get

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Speaker 2: read eventually. So again, Brianambisson podcast dot com or Briannibission

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Speaker 2: Podcasts at gmail dot com to send us your questions.

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Speaker 1: Let's get started.

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Speaker 2: First question, without further ado. Tonight's first question comes from

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Speaker 2: listener Nicole. She says, this is my second question to

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Speaker 2: you all. Okay, Nicole, and you're just being greedy now. Yeah,

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Speaker 2: and I've read your name, so it's too late. I

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Speaker 2: got to answer it. But I don't know if I

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Speaker 2: would have if I knew.

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Speaker 1: You got that.

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Speaker 2: You got that, It's okay, we're gonna start charging. On

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Speaker 2: the third question, that that's the trick, Nicole says, I

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Speaker 2: wanted to know if I'm allowed to open at IRA

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Speaker 2: with an outside company like Vanguard Fidelity, if I'm already

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Speaker 2: investing in my employer's retirement program. My job offers a

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Speaker 2: four oh three B plan with a three percent match,

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Speaker 2: but I'm not a fan of the company. The plan

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Speaker 2: is through. The funds aren't that great. However, I'm not

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Speaker 2: giving up free money, so I invested enough to get

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Speaker 2: the match to the four one three B and a

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Speaker 2: smaller amount into the into the roth IRA. I'm going

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Speaker 2: to roll over my old retirement accounts from previous jobs

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Speaker 2: and considered opening an additional IRA, all through the same company,

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Speaker 2: probably Vanguard. However, I'm unsure if this is allowed, and

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Speaker 2: I heard that depending on the amount, I might not

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Speaker 2: get the full tax free benefit. Help hell, I'm meaning

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Speaker 2: to read that question again. So basically, I think she's

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Speaker 2: super smart because a lot of people will blindly just

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Speaker 2: invest in whatever their employer has, whatever plans that they have,

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Speaker 2: But she's made a wide decision. I think if you

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Speaker 2: if you look at what actually your plan is invested

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Speaker 2: in and you're not happy with the holdings, or you're

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Speaker 2: not happy with the diversification or the you know, the

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Speaker 2: historical performance of those funds, and you want to invest

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Speaker 2: outside of it, It's absolutely possible. Definitely one allowed. And

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Speaker 2: my first piece of advice would have been to say,

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Speaker 2: you know, with that three percent match, you should definitely

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Speaker 2: at least put in enough money to matchure it for sure.

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Speaker 2: Which is it looks like Nicole says she's already doing that,

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Speaker 2: So that's like two smart things right off the bat.

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Speaker 2: She says, I'm going to roll over my old retirement

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Speaker 2: accounts from previous jobs and considered opening an additional IRA

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Speaker 2: through the same company. So it sounds like she's already

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Speaker 2: opened a Vanguard account outside of her employment employment plan,

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Speaker 2: her four H three B plan, So she's already got

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Speaker 2: a side IRA, and now she wants to consider rolling

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Speaker 2: over old retirement accounts from previous jobs into that outside IRA.

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Speaker 2: I'm not sure if that's allowed, She.

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Speaker 1: Says, Well, that's smart. I guess I thought that she

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Speaker 1: was trying to open up a third IRA account.

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Speaker 2: Yeah, I'm out sure. It's not really as clear, either

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Speaker 2: she's has a second one and she wants to roll

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Speaker 2: them over, or she she has a second one and

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Speaker 2: she wants to open a third one, which isn't necessary,

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Speaker 2: like you should be able to roll over your previous

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Speaker 2: employer's IRA, just into the the IRA you've already opened.

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Speaker 1: Yep. Because the thing is, if anyone, if you've switched

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Speaker 1: jobs at any time, you're typically gonna have the one

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Speaker 1: that your retirement account that your your company has provided.

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Speaker 1: And then if you switch jobs, you're not able to

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Speaker 1: roll over your old job into your new job. You

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Speaker 1: would have to have an outside account like a Vanguard

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Speaker 1: or a Marri Trade or whatever. And so yeah, rolling

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Speaker 1: over and making sure. You know, some people think, oh,

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Speaker 1: I could just withdraw my money and deposit it, and no, no, no,

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Speaker 1: you know you want to make sure that when you

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Speaker 1: roll over, you allow the company. So you would call

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Speaker 1: Vanguard and say, hey, I want to roll over. They're

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Speaker 1: going to send you specific paperwork and they'll roll over

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Speaker 1: for you. Because you don't want to withdraw the money

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Speaker 1: and mistake makingly increase your income, which would increase your

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Speaker 1: taxes for the year.

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Speaker 2: Thank you to deposit it within sixty days because I

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Speaker 2: know one time when I was switching jobs, they cut

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Speaker 2: me a check for my for my what was ever

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Speaker 2: left in my my four oh one K account and

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Speaker 2: just mailed me a check and I was like, oh, okay,

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Speaker 2: what can I do with this? And I almost just

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Speaker 2: like put it in savings, but luckily I Yeah, I'd

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Speaker 2: ask someone you know for advice and they're like, oh, no, no, no,

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Speaker 2: look into it. You have to deposit within sixty days

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Speaker 2: or you'll get taxed on it, which defeats the whole

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Speaker 2: purpose of saving in those accounts.

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Speaker 1: And heavily taxed. Not some old punk ten percent, no,

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Speaker 1: now upwards of white. I think I got taxed like

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Speaker 1: thirty percent something crazy. Oh when I took the money

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Speaker 1: out of my my four or three.

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Speaker 2: B oh yeah, talking about that.

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Speaker 1: Yeah, when I lost my job. I'd lost my job

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Speaker 1: as a teacher during the recession because of my school

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Speaker 1: was a nonprofit based school and nobody was giving funds anymore.

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Speaker 1: And so at the time I had moved back home

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Speaker 1: with my parents, got sick of that, moved on my

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Speaker 1: sister's couch. She got sick of me and was like, girl,

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Speaker 1: you got thirty days, and I was like no, And

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Speaker 1: so I was working on my business at the time,

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Speaker 1: which was making zero dollars, and so I told myself,

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Speaker 1: and I do not suggest this, but I told myself, Okay,

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Speaker 1: I'm going to take out the money for my four

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Speaker 1: h three B which is my retirement account. And I

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Speaker 1: think it was I don't know, maybe like forty thousand

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Speaker 1: dollars or something, or fifty thousand dollars. I think I

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Speaker 1: vaguely remember getting like twenty five to thirty thousand dollars.

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Speaker 1: But they took a significant amount of money. I know

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Speaker 1: they took a significant amount. But I took that money

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Speaker 1: out and I told myself, this is your money for

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Speaker 1: the year. You have a year to get the budget

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Speaker 1: NIZA to a point where you can actually make money

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Speaker 1: to support yourself. If after this money runs out, the

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Speaker 1: business is not making enough to support yourself, you have

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Speaker 1: to go back and get a job, go back to

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Speaker 1: teaching and get a regular job. And so I later

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Speaker 1: it was down for like my last hundred dollars and

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Speaker 1: I started making money, and I was like, thank you Jesus,

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Speaker 1: But yeah, I took the money out of mine and

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Speaker 1: it was a significant amount of money, and I regret it, honestly.

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Speaker 1: I mean, well, I mean, you know, hindsight's twenty twenty.

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Speaker 1: I mean, I guess I kind of regret it, But

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Speaker 1: then I wouldn't maybe maybe the BUDGETISA would not be

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Speaker 1: what it is now. But I lost so much money,

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Speaker 1: and honestly, I wasn't able to, Like I just recently

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Speaker 1: started within the last maybe five years, and I'm thirty seven,

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Speaker 1: started contributing to a retirement accountant, so I've lost a

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Speaker 1: lot of years.

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Speaker 2: Yeah, it's so, it's so tempting. And when I was

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Speaker 2: growing up, when I had heard about four oh one k's,

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Speaker 2: and by the time I became a financial reporter, to me,

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Speaker 2: like just from learning from the context people would usually

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Speaker 2: talk about a four oh one K, I was like, oh,

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Speaker 2: that's that thing you dip into when you can't afford stuff.

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Speaker 2: Because that's the only time I ever heard someone mention

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Speaker 2: it was like, oh, yeah, I got to dip into

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Speaker 2: the four oh one k again, like usually around the

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Speaker 2: time the car brokes down or you know, you can't

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Speaker 2: afford this or whatever. I'm not gonna name names, so anyway,

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Speaker 2: that was the context. So I like my first job,

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Speaker 2: not my first job, but my first job, I was

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Speaker 2: laid off of way too soon to even understand, like

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Speaker 2: what their four one K system was, but my next one,

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Speaker 2: but that first startup and they matched one hundred percent

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Speaker 2: up to five percent of your contributions. I didn't even

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Speaker 2: know enough like to even do that, like I would

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Speaker 2: think I will work there. I worked there at least

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Speaker 2: a year and a half, and I didn't contribute a

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Speaker 2: penny to my four to one K, and I think

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Speaker 2: one time, just for fun and to torture myself, I

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Speaker 2: looked at what I would have made if I had

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Speaker 2: just put in, like, you know, one hundred two hundred

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Speaker 2: bucks every paycheck and let that grow. And it wasn't

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Speaker 2: a it wasn't an insignificant sum of money. It was

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Speaker 2: definitely five figures. And that kind of stung. But I

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Speaker 2: learned from my mistakes, you know. I thankfully I got

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Speaker 2: into this job. And I would say I started just

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Speaker 2: to encourage. If anyone's out there and thinking, you know,

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Speaker 2: I'm twenty three and I barely make enough money to

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Speaker 2: afford my rent, how can I possibly you know, think

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Speaker 2: about contributing to a retirement account. I really started contributing

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Speaker 2: when I was twenty four, and I just started with

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Speaker 2: my little I think I started with like six percent

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Speaker 2: and then I worked up to ten percent eventually. And

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Speaker 2: I'm twenty nine, now, am I gonna put my business

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Speaker 2: out there? Okay? Fine? So in the one and this is, oh,

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Speaker 2: this is even better. So this is this is the

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Speaker 2: money that I've been saving since I was twenty four

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Speaker 2: until last April when I left my job at Yahoo.

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Speaker 2: So this is from two jobs combined over just a

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Speaker 2: period of let's see, from twenty four to twenty eight,

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Speaker 2: so four years. I have over forty thousand dollars. And

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Speaker 2: not just that that's only four years, but not just that,

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Speaker 2: like I haven't touched that four one case, since I

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Speaker 2: left Yahoo. I have a separate, you know, retirement account

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Speaker 2: through my new job, and I haven't rolled it over yet.

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Speaker 2: I just haven't gotten around to it. But I haven't

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Speaker 2: touched it. And I've gained like six to eight thousand

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Speaker 2: dollars just in the last like less than a year

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Speaker 2: since I left Yahu, but just not touching it. And like,

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Speaker 2: we had a great market this year. The market was

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Speaker 2: like really rallying, you know, unfortunately something that I had

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Speaker 2: to do with our current president just a little bit.

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Speaker 2: But even before that, there was a great like I

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Speaker 2: think this summer, there was a rally sometime in August,

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Speaker 2: and yeah, so I haven't even touched that sucker since

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Speaker 2: I left, and I've made I'm making money. And that

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Speaker 2: is the beauty of compounding interest. And that is why

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Speaker 2: I think that if you were me at twenty three,

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Speaker 2: twenty four and thinking you can't do it, just start, like,

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Speaker 2: just start any just start anything, you know. I I

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Speaker 2: and said it and forget it, you know, like I did.

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Speaker 2: I I just put my money in target date funds.

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Speaker 2: And yeah, people say, well that's not you know, that's

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Speaker 2: not really they're not always the best idea. But hell,

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Speaker 2: I wouldn't have forty thousand dollars if I hadn't, I'd much.

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Speaker 1: Right too, Like like Manny said, you honestly starting with

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Speaker 1: even if you start with two percent, And then what

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Speaker 1: I used to do is when I first started, because

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Speaker 1: I didn't have a whole lot, I said, okay, I

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Speaker 1: can do two percent, and then every six months I

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Speaker 1: would bump it up a percentage so I could barely

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Speaker 1: feel it. And now as entrepreneur, I set aside. I

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Speaker 1: think I'm setting aside. I want to say twenty or

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Speaker 1: twenty five percent of my gross income toward retirement because

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Speaker 1: I feel like, you know, I feel like I'm behind

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Speaker 1: since I just started, maybe like two or three years ago,

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Speaker 1: starting to invest or put money aside for retirement. But

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Speaker 1: you know, and sometimes you know, that's what it looks like.

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Speaker 1: I don't mind. I live off of way less than

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Speaker 1: half of my income because i'm you know, because I

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Speaker 1: started a little bit late, and because I work for myself,

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Speaker 1: you know, and I don't have somebody to match me.

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Speaker 1: But you know, where you are is not always where

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Speaker 1: you're going to be. So really, wealth is a habit.

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Speaker 1: So starting with one percent jumped from that. I remember

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Speaker 1: one year when I was like, oh, I was able

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Speaker 1: to jump to five percent, and then all of a

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Speaker 1: sudden it was like, oh, six, seven, and then I

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Speaker 1: jumped to ten and then fifteen and then twenty five.

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Speaker 1: So you know, but if I never had started at one,

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Speaker 1: then I don't know that would have ever made it

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Speaker 1: to twenty five. So to answer Nicole's question, yes, you

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Speaker 1: can roll over. I'm assuming you're not asking to open

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Speaker 1: a third account. You don't, you don't need to. You

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Speaker 1: could just roll it over into your current Vanguard account

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Speaker 1: and you should be good to go.

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Speaker 2: But kudos for like looking for better and looking for more,

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Speaker 2: taking advantage of that match and then looking for something

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Speaker 2: a little bit better. Excellent. So you brought up you

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Speaker 2: were talking about your entrepreneurship in that first year when

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Speaker 2: you were living out of your off your four to

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Speaker 2: one k Tiffany. So this next question is actually a

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Speaker 2: great segue because it is for miss Tiffany, miss budgetista.

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Speaker 2: She asks, and I don't have an oh t. Her

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Speaker 2: name is just t. Can you talk about how you

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Speaker 2: took the leap to create your business? Did you always

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Speaker 2: want a business and you pursue that interest or did

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Speaker 2: you have the idea and interest? First, I want the

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Speaker 2: dirty details because I'm honestly sick of the rosy over

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Speaker 2: success stories in which no one goes into the actual

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Speaker 2: steps taken towards success. Girl, I feel you.

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Speaker 1: Yeah, ain't no overnight been.

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Speaker 2: The good news is that Tiffany's got a great non

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Speaker 2: really over success. This is gonna hurt.

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Speaker 1: Yes, it was hard, Okay, So I was a school teacher,

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Speaker 1: preschool teacher. I loved it, and then recession hit. School

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Speaker 1: closed and it was kind of a you heard the murmurings,

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Speaker 1: but like, really we got the news three days before

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Speaker 1: the new school year. So it was really hard because

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Speaker 1: typically in the summer teachers don't work. You don't work,

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Speaker 1: you don't get paid. So that September, as much as

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Speaker 1: you don't want to go back to school, you're kind

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Speaker 1: of like, Yay, my check is coming, and we got

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Speaker 1: to learn that no, that's not coming ever, no more school.

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Speaker 1: So I was like, yikes. Thankfully I had money saved

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Speaker 1: because I just was a saver, but I had also

403
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Speaker 1: made like that summer I made a big financial mistake,

404
00:19:56,320 --> 00:19:57,720
Speaker 1: or I think it was like the year before where

405
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Speaker 1: I'd invested with a friend and ended up thirty five

406
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Speaker 1: thousand dollars in credit card debt. So here I am

407
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Speaker 1: no job, a home that I bought maybe a few

408
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Speaker 1: years before, thirty five thousand dollars a credit card debt,

409
00:20:08,520 --> 00:20:10,399
Speaker 1: and fifty thousand dollars a student loan debt. So I

410
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Speaker 1: was like, basically like three hundred thousand dollars in debt

411
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Speaker 1: and no job, and I was like, oh, this is great.

412
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Speaker 1: So I trickly, I know exactly, so I quickly decided,

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Speaker 1: like I spoke to I was calling my sister like

414
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Speaker 1: what am I gonna do? And she was like I

415
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Speaker 1: think you should move back home. So I did. So

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Speaker 1: I moved back home and I rented out my condo

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Speaker 1: to a friend of mine, which was the worst mistake

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Speaker 1: ever because I rented out my condo to him and

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Speaker 1: he promptly proceeded to like never pay rent. So here

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Speaker 1: I was, yeah, so I thot, I was like, okay,

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Speaker 1: I still I at the time, I had about a

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Speaker 1: year and a half worth of savings, which I was like,

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Speaker 1: I should be fine. I rent out my condo, make

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Speaker 1: a little, you know. And then and I think I

425
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Speaker 1: was renting it out for like two or three hundred

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Speaker 1: dollars more than what my mortgage was. And I said,

427
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Speaker 1: I have my savings, I'm moving back home. I'm so smart,

428
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Speaker 1: I'm so good. I paid down this credit card debt.

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Speaker 1: So he proceeded not to pay. So I ended up

430
00:21:01,400 --> 00:21:04,280
Speaker 1: still having to paid my mortgage, but and not so

431
00:21:04,359 --> 00:21:07,000
Speaker 1: I was still. I was bleeding money for like a

432
00:21:07,080 --> 00:21:09,879
Speaker 1: year until I was able to get him out. And

433
00:21:11,119 --> 00:21:13,000
Speaker 1: by then at some point I had to stop paying

434
00:21:13,000 --> 00:21:15,119
Speaker 1: my mortgage, which was the hardest thing ever because I

435
00:21:15,480 --> 00:21:18,520
Speaker 1: had never been laid on any bill ever. So here

436
00:21:18,560 --> 00:21:21,160
Speaker 1: I was like, you know, of stop paying my mortgage.

437
00:21:21,200 --> 00:21:25,560
Speaker 1: My house went into basically like pre foreclosure, and I

438
00:21:25,640 --> 00:21:28,480
Speaker 1: was living home and I was I just turned thirty,

439
00:21:28,520 --> 00:21:31,439
Speaker 1: and I remember being like, wow, this is not thirty thirty.

440
00:21:31,920 --> 00:21:38,040
Speaker 1: This sucks because my parents, who are very Nigerian, were like, okay,

441
00:21:38,720 --> 00:21:41,240
Speaker 1: so the rules are still the same. You have to

442
00:21:41,359 --> 00:21:47,119
Speaker 1: be home by midnight, midnight at thirty worse, you know.

443
00:21:47,119 --> 00:21:48,399
Speaker 1: I was like, are you kidding me? By dad, I

444
00:21:48,440 --> 00:21:49,719
Speaker 1: was like, and you got to do the dishes on

445
00:21:49,720 --> 00:21:52,359
Speaker 1: Saturday and you got it. I was like, yo, my

446
00:21:52,400 --> 00:21:54,199
Speaker 1: life could not get worse, but it could, Oh, but

447
00:21:54,320 --> 00:21:58,359
Speaker 1: it could. So yeah, so I moved back home. It sucks.

448
00:21:58,920 --> 00:22:00,960
Speaker 1: My parents are awesome, and now I didn't have to

449
00:22:00,960 --> 00:22:03,160
Speaker 1: pay rent or anything. But still the rules were still

450
00:22:03,160 --> 00:22:05,760
Speaker 1: the same from when I was like twenty, not even like,

451
00:22:05,800 --> 00:22:09,439
Speaker 1: you know, fifteen. So I and at the time I

452
00:22:09,440 --> 00:22:12,000
Speaker 1: didn't know. I didn't have plans for a business. I

453
00:22:12,119 --> 00:22:14,880
Speaker 1: just said I knew I didn't want to go back

454
00:22:14,920 --> 00:22:17,240
Speaker 1: to a job. Truthfully, it's not that I had so

455
00:22:17,320 --> 00:22:19,960
Speaker 1: much courage. I was pissed. I was pissed, and I

456
00:22:20,000 --> 00:22:22,800
Speaker 1: was afraid because teachers don't lose their job. It's like

457
00:22:22,840 --> 00:22:25,560
Speaker 1: being a police officer or you know, like there's certain

458
00:22:25,600 --> 00:22:28,160
Speaker 1: jobs that you're not supposed to lose. So I thought, well,

459
00:22:28,200 --> 00:22:29,760
Speaker 1: why would I go back. There's no such thing as

460
00:22:29,800 --> 00:22:31,680
Speaker 1: job safety. I had the safest job in the world,

461
00:22:31,720 --> 00:22:33,679
Speaker 1: and they let us go three days before the new

462
00:22:33,720 --> 00:22:36,320
Speaker 1: school year. So I refused to enter the job for

463
00:22:36,440 --> 00:22:39,119
Speaker 1: so I was like stubborn, even though at all this

464
00:22:39,240 --> 00:22:41,720
Speaker 1: debt and all this stuff that I was owing, I

465
00:22:41,840 --> 00:22:43,919
Speaker 1: was able. I had to make a choice between do

466
00:22:44,000 --> 00:22:45,880
Speaker 1: I pay my mortgage or do I pay the rest

467
00:22:45,920 --> 00:22:48,000
Speaker 1: of my bills, And so I decided to let the

468
00:22:48,040 --> 00:22:50,840
Speaker 1: mortgage go keep up with the rest of my bills

469
00:22:50,920 --> 00:22:54,560
Speaker 1: from by paying through my savings. And I volunteered everywhere

470
00:22:54,560 --> 00:22:55,800
Speaker 1: you can think of because I was trying to figure

471
00:22:55,840 --> 00:22:57,719
Speaker 1: out what's the next stage and I didn't know what

472
00:22:57,760 --> 00:23:02,160
Speaker 1: I wanted to do, and so in volunteering, I always

473
00:23:02,280 --> 00:23:03,879
Speaker 1: was the go to person for my friends when it

474
00:23:03,920 --> 00:23:06,760
Speaker 1: came to budgeting and saving and stuff. And I thought

475
00:23:06,760 --> 00:23:08,520
Speaker 1: I wanted to become an event planner. So I found

476
00:23:08,560 --> 00:23:12,399
Speaker 1: myself volunteering at different nonprofits planning events. But while I

477
00:23:12,480 --> 00:23:15,679
Speaker 1: was there, I ended up teaching you know, the secretary

478
00:23:15,880 --> 00:23:18,000
Speaker 1: the bus boys of this person, that person girl. I's

479
00:23:18,040 --> 00:23:19,480
Speaker 1: not how you budget? This is how you do it.

480
00:23:19,720 --> 00:23:22,440
Speaker 1: And people started asking me at these different places where

481
00:23:22,440 --> 00:23:25,800
Speaker 1: I was volunteering for that help, and then the nonprofit

482
00:23:25,840 --> 00:23:28,520
Speaker 1: would be like, well can you teach that to our constituents?

483
00:23:28,560 --> 00:23:31,720
Speaker 1: And so especially in my city, New Or, where I

484
00:23:31,760 --> 00:23:35,199
Speaker 1: lived and where I worked, that I became like, you know,

485
00:23:35,280 --> 00:23:37,120
Speaker 1: it started to get out like, oh, you need help

486
00:23:37,160 --> 00:23:39,840
Speaker 1: with your budget, asked that girl over there at the nonprofit.

487
00:23:40,000 --> 00:23:42,240
Speaker 1: And one day my best friend, Drina, said you should

488
00:23:42,280 --> 00:23:44,439
Speaker 1: charge for that. I'm like, charge for us, and she

489
00:23:44,560 --> 00:23:49,480
Speaker 1: was like, girl, you don't have any money. So I

490
00:23:49,480 --> 00:23:51,600
Speaker 1: thought I charging people like twenty five to fifty bucks

491
00:23:51,640 --> 00:23:53,440
Speaker 1: to do their budget with them, which they propably did

492
00:23:53,480 --> 00:23:55,560
Speaker 1: not want to pay, Like, well girl, I only have

493
00:23:55,680 --> 00:23:57,720
Speaker 1: ten I'm like, we've been at it for three hours ten.

494
00:23:57,600 --> 00:24:01,879
Speaker 2: Dollars when it would one day become your pr rep.

495
00:24:02,480 --> 00:24:05,520
Speaker 1: Yeah, it's my publicist, and so was she. It was

496
00:24:05,560 --> 00:24:08,320
Speaker 1: really hard, honestly, So I moved out from my parents'

497
00:24:08,320 --> 00:24:10,159
Speaker 1: house and I moved in with my sister because I

498
00:24:10,240 --> 00:24:13,359
Speaker 1: just could not take the rules anymore. And I stayed

499
00:24:13,359 --> 00:24:15,040
Speaker 1: with her for about a year. I took it. I

500
00:24:15,040 --> 00:24:17,280
Speaker 1: told her all I need is a year, and I

501
00:24:17,320 --> 00:24:19,600
Speaker 1: started making a little bit of money, like you know,

502
00:24:19,720 --> 00:24:22,120
Speaker 1: like maybe about one hundred to two hundred dollars a month.

503
00:24:22,400 --> 00:24:24,760
Speaker 1: And by then I had gotten my old tenant out

504
00:24:25,280 --> 00:24:27,720
Speaker 1: and I had a new tenant, and so this is

505
00:24:27,800 --> 00:24:31,600
Speaker 1: like this was transformative for me in that my new

506
00:24:31,640 --> 00:24:34,439
Speaker 1: tenant was paying my mortgage, which was like, well, how

507
00:24:34,520 --> 00:24:36,560
Speaker 1: much my mortgageche which is about twelve hundred No, lesson

508
00:24:36,520 --> 00:24:38,359
Speaker 1: of my mortgage which is about twelve hundred dollars a month.

509
00:24:38,720 --> 00:24:40,840
Speaker 1: But by then I was so behind on my mortgage,

510
00:24:40,880 --> 00:24:43,520
Speaker 1: over a year behind. They wouldn't take any money from me.

511
00:24:43,960 --> 00:24:45,760
Speaker 1: They were like, unless you have all the money and

512
00:24:45,800 --> 00:24:47,840
Speaker 1: all the fees, we don't want any monthly amount for you.

513
00:24:48,040 --> 00:24:50,480
Speaker 1: So I said, bet, you got to tell me but once.

514
00:24:50,840 --> 00:24:53,959
Speaker 1: So that's that's what I lived off of. So my

515
00:24:54,040 --> 00:24:56,520
Speaker 1: tenant was paying me twelve hundred and I didn't give

516
00:24:56,560 --> 00:24:58,800
Speaker 1: it to the the mortgage company. They wouldn't take it.

517
00:24:58,840 --> 00:25:02,000
Speaker 1: So I was living off of her rent money. So

518
00:25:02,040 --> 00:25:03,439
Speaker 1: when people are like, oh, you got a business, I

519
00:25:03,440 --> 00:25:05,359
Speaker 1: was like, yeah, girl. Meanwhile the business was paying me

520
00:25:05,400 --> 00:25:08,280
Speaker 1: next to nothing. The rent money is how I survived.

521
00:25:08,080 --> 00:25:12,080
Speaker 2: And that's so I had the foreclosure process. It takes time, right,

522
00:25:12,119 --> 00:25:13,560
Speaker 2: it can take like years.

523
00:25:13,560 --> 00:25:16,160
Speaker 1: Sometimes it's like six or seven years before they finally

524
00:25:16,200 --> 00:25:18,800
Speaker 1: took the house in forecloses. So for that long, I

525
00:25:18,920 --> 00:25:22,720
Speaker 1: was like, but I wasn't collecting for that long cause

526
00:25:22,720 --> 00:25:23,920
Speaker 1: I didn't have a tenant for that I think I

527
00:25:23,960 --> 00:25:25,840
Speaker 1: had a tenant for about two years. And when I

528
00:25:25,880 --> 00:25:29,439
Speaker 1: was at my sister's, she the tenant was like, Okay,

529
00:25:29,720 --> 00:25:31,479
Speaker 1: I'm buying a house and I'm moving on. And I

530
00:25:31,520 --> 00:25:33,359
Speaker 1: was like, yikes. So I was down to like my

531
00:25:33,440 --> 00:25:36,040
Speaker 1: last like one hundred bucks, and my sister was like,

532
00:25:36,040 --> 00:25:37,840
Speaker 1: you know, you've been here for a year. You said

533
00:25:37,840 --> 00:25:40,159
Speaker 1: three months, it's time for you to go. And I

534
00:25:40,240 --> 00:25:41,480
Speaker 1: was like, I don't want to go back to Bobbie

535
00:25:41,480 --> 00:25:43,600
Speaker 1: and Daddy. So I took money out of my four

536
00:25:43,680 --> 00:25:45,840
Speaker 1: one K my work four three B, which is my

537
00:25:45,960 --> 00:25:48,199
Speaker 1: retirement account, and I told myself, Tippy, you have a

538
00:25:48,320 --> 00:25:51,400
Speaker 1: year to make this business work. You've been working on it,

539
00:25:52,640 --> 00:25:54,639
Speaker 1: you've been volunteering, you've been giving This was about two

540
00:25:54,680 --> 00:25:57,119
Speaker 1: thousand and nine, twenty ten. You've been from two thousand

541
00:25:57,160 --> 00:26:00,359
Speaker 1: and eight to twenty ten, you've been doing everything for free.

542
00:26:00,520 --> 00:26:02,479
Speaker 1: You have you know, you have to do something. And

543
00:26:02,560 --> 00:26:05,080
Speaker 1: so I took the money out, and I moved out

544
00:26:05,080 --> 00:26:07,080
Speaker 1: of her house. I moved into a room in newer

545
00:26:07,680 --> 00:26:09,760
Speaker 1: And if you're not familiar with a room, that's where

546
00:26:09,760 --> 00:26:11,639
Speaker 1: people go when they come home from jail and they

547
00:26:11,640 --> 00:26:13,399
Speaker 1: only have four hundred dollars a month. That's what I

548
00:26:13,440 --> 00:26:15,639
Speaker 1: was living in a room. Thankfully, a friend of mine

549
00:26:16,880 --> 00:26:18,879
Speaker 1: was like renting a room in this house in Newark,

550
00:26:19,040 --> 00:26:20,480
Speaker 1: a brownstone, and she was like, you know, the rest

551
00:26:20,520 --> 00:26:21,960
Speaker 1: of the house is empty. You should have read a

552
00:26:22,040 --> 00:26:24,080
Speaker 1: room here too, And because we didn't want, like, you know,

553
00:26:24,119 --> 00:26:25,800
Speaker 1: any felons to live with us, we filled it up

554
00:26:25,800 --> 00:26:29,200
Speaker 1: with other women who were basically like like, we were struggling,

555
00:26:29,440 --> 00:26:31,600
Speaker 1: and so it was a house full of awesome would

556
00:26:31,640 --> 00:26:34,600
Speaker 1: be entrepreneurs who could only afford about five hundred bucks

557
00:26:34,600 --> 00:26:37,040
Speaker 1: a month. That's how much my room costs to include

558
00:26:37,080 --> 00:26:39,000
Speaker 1: like all utilities in your little room. So I was

559
00:26:39,000 --> 00:26:40,639
Speaker 1: paying five hundred bucks a month, and I stayed in

560
00:26:40,640 --> 00:26:42,520
Speaker 1: that room for like two two and a half years.

561
00:26:42,840 --> 00:26:45,240
Speaker 1: I already had a car that I had bought for

562
00:26:45,320 --> 00:26:47,520
Speaker 1: four thousand dollars when I was like twenty six, twenty seven.

563
00:26:47,560 --> 00:26:49,680
Speaker 1: I still had that same car up until last week.

564
00:26:50,040 --> 00:26:53,639
Speaker 1: Last week, and home. Oh, man, I didn't tell you

565
00:26:53,640 --> 00:26:57,760
Speaker 1: about a car anyway, And then I talked to we

566
00:26:57,800 --> 00:26:59,000
Speaker 1: must have So, yeah, I just bought it like a

567
00:26:59,080 --> 00:26:59,720
Speaker 1: last I knew that.

568
00:26:59,880 --> 00:27:02,520
Speaker 2: I don't Yeah, I knew it. You were you had

569
00:27:02,520 --> 00:27:04,280
Speaker 2: picked out a car and you were gonna do it.

570
00:27:04,320 --> 00:27:06,040
Speaker 2: Isn't it like a Yah Lincoln or.

571
00:27:06,520 --> 00:27:10,360
Speaker 1: Dah twenty fifteen Lincoln? MKZ. But I'm talking about I

572
00:27:10,440 --> 00:27:12,359
Speaker 1: just bought a car. I've had the same car for

573
00:27:12,440 --> 00:27:15,479
Speaker 1: over ten years, and so it was such a struggle because,

574
00:27:15,720 --> 00:27:17,760
Speaker 1: you know, I didn't know if it was gonna work.

575
00:27:17,760 --> 00:27:19,359
Speaker 1: I mean, I was making it up as I went along.

576
00:27:19,400 --> 00:27:23,200
Speaker 1: I'd gone to school for business and my masters. My

577
00:27:23,200 --> 00:27:25,960
Speaker 1: my concentration was marketing. But honestly, I didn't remember that

578
00:27:25,960 --> 00:27:28,240
Speaker 1: I was a preschool teacher for ten years and I'd

579
00:27:28,280 --> 00:27:30,800
Speaker 1: got my master's in education, so that's what I was

580
00:27:30,800 --> 00:27:32,800
Speaker 1: good at. I was good at teaching and everything else

581
00:27:32,840 --> 00:27:34,760
Speaker 1: I made up along the way. I still make it

582
00:27:34,840 --> 00:27:37,159
Speaker 1: up along the way. It was hard. I used to

583
00:27:37,160 --> 00:27:38,480
Speaker 1: cry all the time because I used to be like,

584
00:27:39,160 --> 00:27:42,280
Speaker 1: literally every month I started at zero, meaning there was

585
00:27:42,320 --> 00:27:44,359
Speaker 1: no money on the board every month, meaning how these

586
00:27:44,359 --> 00:27:46,879
Speaker 1: bills are gonna get paid? And throughout the month, you know,

587
00:27:46,960 --> 00:27:49,040
Speaker 1: I would get like a speaking engagement for one hundred dollars,

588
00:27:49,080 --> 00:27:51,359
Speaker 1: and then another thing for two hundred, and another thing

589
00:27:51,400 --> 00:27:54,320
Speaker 1: for fifty and somehow make most of my bills work,

590
00:27:54,760 --> 00:27:56,119
Speaker 1: and then the rest I would roll over to the

591
00:27:56,119 --> 00:27:58,400
Speaker 1: next month. So every month I lived like that for

592
00:27:58,440 --> 00:28:00,480
Speaker 1: like almost three years of not knowing if I was

593
00:28:00,480 --> 00:28:04,000
Speaker 1: going to be able to pay anything, until the business

594
00:28:04,000 --> 00:28:07,640
Speaker 1: started picking up after I wouldn't say, two thousand and thirteen.

595
00:28:07,680 --> 00:28:10,000
Speaker 1: So after about three years in it started picking up,

596
00:28:10,000 --> 00:28:13,360
Speaker 1: and I was consistently making about maybe I want to say,

597
00:28:13,359 --> 00:28:16,000
Speaker 1: maybe like fifteen hundred dollars a month, enough to pay bills,

598
00:28:16,680 --> 00:28:19,399
Speaker 1: enough to you know, you know, I didn't have like

599
00:28:19,520 --> 00:28:21,840
Speaker 1: extra I didn't have a car note or anything like that,

600
00:28:22,000 --> 00:28:25,200
Speaker 1: so enough to basically sustain myself. And it really wasn't

601
00:28:25,280 --> 00:28:28,440
Speaker 1: until two thousand and fifteen that I brought on help

602
00:28:28,560 --> 00:28:30,520
Speaker 1: because I was like doing well enough. I was like, okay,

603
00:28:30,520 --> 00:28:32,879
Speaker 1: you make a little something every month, you know, you

604
00:28:32,880 --> 00:28:35,240
Speaker 1: could pay yourself. But it was just me and I

605
00:28:35,280 --> 00:28:38,200
Speaker 1: wanted to grow, and I brought on help and I

606
00:28:38,240 --> 00:28:40,440
Speaker 1: couldn't even And at the time I had said that,

607
00:28:40,480 --> 00:28:42,520
Speaker 1: by then I had scrolled away enough money to pay

608
00:28:42,520 --> 00:28:44,640
Speaker 1: it out my credit card debt. I still had my

609
00:28:44,680 --> 00:28:47,120
Speaker 1: student loan that it was in deferment. They had taken

610
00:28:47,160 --> 00:28:49,440
Speaker 1: the house, so I didn't owe the three hundred two

611
00:28:49,440 --> 00:28:51,400
Speaker 1: fifty or whatever the house was worth anymore because they

612
00:28:51,440 --> 00:28:54,520
Speaker 1: had taken it. And Obama at the time had this

613
00:28:54,600 --> 00:28:56,920
Speaker 1: like law where if they took your house, you know,

614
00:28:57,000 --> 00:28:59,000
Speaker 1: they basically erased your debt and you didn't have to

615
00:28:59,000 --> 00:29:02,560
Speaker 1: pay taxes on the debt was erased. So I wasn't

616
00:29:02,560 --> 00:29:04,960
Speaker 1: debt free, but you know, it was just my student

617
00:29:04,960 --> 00:29:08,880
Speaker 1: loan debt, and I saved enough money to hire somebody

618
00:29:08,920 --> 00:29:12,200
Speaker 1: for six months. Now. It was a previous intern, and

619
00:29:12,240 --> 00:29:13,760
Speaker 1: I told her, you know, I only have six months

620
00:29:13,760 --> 00:29:16,000
Speaker 1: worth of pay, but if you come on board in

621
00:29:16,120 --> 00:29:18,200
Speaker 1: six months, if we put this work in, we can

622
00:29:18,240 --> 00:29:20,360
Speaker 1: make it work. And so she came on board and

623
00:29:20,360 --> 00:29:24,520
Speaker 1: within six months, I mean, we quadrupled how much the

624
00:29:24,520 --> 00:29:26,840
Speaker 1: budget needs to make. But that's recent in twenty fifteen,

625
00:29:27,400 --> 00:29:32,160
Speaker 1: and then last year we made like quadruple that, and

626
00:29:32,200 --> 00:29:33,960
Speaker 1: this year we stand to make about a million dollars

627
00:29:34,000 --> 00:29:36,120
Speaker 1: this year. We've already made half a million this year

628
00:29:36,600 --> 00:29:39,720
Speaker 1: and so but like this is a new thing, This

629
00:29:39,880 --> 00:29:42,520
Speaker 1: is years, and this has struggle, This is crying, This

630
00:29:42,600 --> 00:29:46,200
Speaker 1: is by myself. Entrepreneurship is really lonely because it's your baby.

631
00:29:46,480 --> 00:29:48,560
Speaker 1: You're a single mother, when you're a single father, when

632
00:29:48,560 --> 00:29:51,400
Speaker 1: you're an entrepreneur, and even though people help you, it's

633
00:29:51,400 --> 00:29:54,960
Speaker 1: still your baby, and there's no guarantee that it's gonna work.

634
00:29:55,360 --> 00:29:57,520
Speaker 1: And I was not a pure entrepreneur. Some people are like, oh,

635
00:29:57,600 --> 00:29:59,880
Speaker 1: I just worked on my dream. Yeah, girl, I babysat,

636
00:30:00,360 --> 00:30:04,800
Speaker 1: I tutored, I did. I did all this stuff on

637
00:30:04,800 --> 00:30:07,440
Speaker 1: the side to kind of fill in the gaps. Like

638
00:30:07,480 --> 00:30:10,680
Speaker 1: I lived so simply. I couldn't afford grocery. At one point,

639
00:30:10,680 --> 00:30:12,080
Speaker 1: I used to wait till my parents were away at

640
00:30:12,160 --> 00:30:14,160
Speaker 1: church and then go raid their freezer, like, oh, they

641
00:30:14,160 --> 00:30:20,960
Speaker 1: don't need all this chicken. I used to go to events. May.

642
00:30:21,040 --> 00:30:23,000
Speaker 1: I used to go to events like wait, they got food,

643
00:30:23,120 --> 00:30:24,880
Speaker 1: and then we would go late and be like, so

644
00:30:24,920 --> 00:30:26,360
Speaker 1: what are you guys gonna do with all this food

645
00:30:26,400 --> 00:30:26,720
Speaker 1: at the.

646
00:30:26,760 --> 00:30:30,760
Speaker 2: End, because we need It's not surprising where all those

647
00:30:30,840 --> 00:30:33,280
Speaker 2: Yahoo snacks you stole over the years.

648
00:30:33,560 --> 00:30:37,160
Speaker 1: Yes, exactly. I used to want me and Maddy's taping Yahoo.

649
00:30:37,280 --> 00:30:40,840
Speaker 1: I used to be like, so, where are the.

650
00:30:40,640 --> 00:30:44,320
Speaker 2: Y'all had a dark chocolate conbers this week. Lame, I

651
00:30:44,400 --> 00:30:47,400
Speaker 2: really disappointing, really disappointing. I like those dark.

652
00:30:49,320 --> 00:30:52,640
Speaker 1: So like. Yeah, so it was it was difficult and

653
00:30:52,680 --> 00:30:54,120
Speaker 1: it was hard, and I would say it's really the

654
00:30:54,200 --> 00:30:55,880
Speaker 1: last I want to say, two or three years that

655
00:30:56,360 --> 00:31:00,560
Speaker 1: business has really done well. But it was definitely not easy.

656
00:31:00,600 --> 00:31:02,320
Speaker 1: And it's still not easy. Even though you know we

657
00:31:02,400 --> 00:31:05,240
Speaker 1: do well in business, it's still hard because you know,

658
00:31:05,240 --> 00:31:08,560
Speaker 1: there's still expectations to manage. It's harder now that as

659
00:31:08,600 --> 00:31:10,960
Speaker 1: business does better, how do I manage you know, my

660
00:31:11,000 --> 00:31:14,280
Speaker 1: personal life as well as my business and making sure

661
00:31:14,280 --> 00:31:16,720
Speaker 1: that Superman is is good. And I still see my

662
00:31:16,800 --> 00:31:18,760
Speaker 1: niece of my nephew, and I call my sisters and

663
00:31:18,800 --> 00:31:22,040
Speaker 1: I you know, there's more things on my plate, but

664
00:31:23,120 --> 00:31:27,160
Speaker 1: I'm not broken anymore. And I'm one of the Oh

665
00:31:27,160 --> 00:31:27,560
Speaker 1: go ahead.

666
00:31:27,680 --> 00:31:29,920
Speaker 2: I was going to ask, you know, five hundred thousand

667
00:31:29,960 --> 00:31:32,120
Speaker 2: dollars half a million sounds like a lot of money,

668
00:31:32,480 --> 00:31:35,400
Speaker 2: but when you're a business owner, you're also the more

669
00:31:35,440 --> 00:31:37,960
Speaker 2: you grow, the more expensive it gets to run, I guess,

670
00:31:37,960 --> 00:31:40,360
Speaker 2: And how are you sort of managing that, like at

671
00:31:40,360 --> 00:31:43,000
Speaker 2: the same time keeping an eye to your profit while

672
00:31:43,200 --> 00:31:44,640
Speaker 2: like trying to grow at the same time.

673
00:31:45,560 --> 00:31:48,040
Speaker 1: So honestly, I was. I wasn't. I was very terrible

674
00:31:48,200 --> 00:31:50,840
Speaker 1: until literally, I want to say, we just hired. I

675
00:31:50,880 --> 00:31:53,440
Speaker 1: had an accountant that I would see every quarter to

676
00:31:53,480 --> 00:31:57,320
Speaker 1: do my my my, my taxes. But I knew something

677
00:31:57,400 --> 00:32:00,200
Speaker 1: was off because the numbers will always be off. Literally,

678
00:32:00,240 --> 00:32:03,120
Speaker 1: I just hired a new executive assistant and she has

679
00:32:03,120 --> 00:32:05,760
Speaker 1: her MBA and accounting. Because my accountant was somebody who

680
00:32:05,840 --> 00:32:07,520
Speaker 1: was a big picture. Whatever I gave to him is

681
00:32:07,560 --> 00:32:09,440
Speaker 1: what he worked with. I said, I need someone to

682
00:32:09,480 --> 00:32:11,600
Speaker 1: look at the stuff I'm giving to him because I'm

683
00:32:11,600 --> 00:32:14,120
Speaker 1: doing something wrong. And I was. I was accounting. I

684
00:32:14,160 --> 00:32:15,760
Speaker 1: got a d an accounty. I'm not even gonna lie

685
00:32:16,280 --> 00:32:18,680
Speaker 1: in town. And I was doing it all. I mean,

686
00:32:18,800 --> 00:32:21,960
Speaker 1: I wasted so much. I mean tens of thousands of dollars.

687
00:32:22,080 --> 00:32:23,680
Speaker 1: And this is just recent, Like I said, I still

688
00:32:23,680 --> 00:32:26,480
Speaker 1: make so many mistakes. So she her name is Rachel,

689
00:32:26,560 --> 00:32:29,720
Speaker 1: and I have been working through the finances of the

690
00:32:29,720 --> 00:32:32,880
Speaker 1: business because running a business, I know how to teach.

691
00:32:32,960 --> 00:32:35,600
Speaker 1: I could be the budgetista and I can manage my

692
00:32:35,720 --> 00:32:39,480
Speaker 1: personal finances. It's totally different your business finances. And I

693
00:32:39,560 --> 00:32:42,600
Speaker 1: was getting it wrong and It's so crazy because working

694
00:32:42,640 --> 00:32:45,880
Speaker 1: with Rachel, I finally get to see what it feels

695
00:32:45,880 --> 00:32:47,880
Speaker 1: like when people work with me with their personal finances,

696
00:32:47,880 --> 00:32:49,680
Speaker 1: and they're like, oh my god, because that's what I

697
00:32:49,680 --> 00:32:51,160
Speaker 1: feel like with her every day. So for the last

698
00:32:51,160 --> 00:32:54,360
Speaker 1: two weeks, every day we've been like basically unearthing all

699
00:32:54,360 --> 00:32:57,960
Speaker 1: of the mess that I've created and just to see

700
00:32:57,960 --> 00:33:01,400
Speaker 1: the light on the other tunnel and I'm like, oh, oh, oh,

701
00:33:01,440 --> 00:33:03,160
Speaker 1: that's on the wrong line and this is why I

702
00:33:03,200 --> 00:33:05,480
Speaker 1: was paying too much in taxes and this is why.

703
00:33:05,520 --> 00:33:08,320
Speaker 1: And before you know, if I hired somebody, I'd be like, ah, yeah,

704
00:33:08,320 --> 00:33:10,040
Speaker 1: I guess we can afford to pay them fifteen dollars

705
00:33:10,040 --> 00:33:13,240
Speaker 1: an hour. I didn't. I wouldn't know. And I felt

706
00:33:13,240 --> 00:33:15,000
Speaker 1: like I was making a ton of money, but I

707
00:33:15,080 --> 00:33:18,480
Speaker 1: wasn't seeing it. And it's because I was accounting incorrectly

708
00:33:18,880 --> 00:33:22,160
Speaker 1: and I was just paying out too much. And so yeah,

709
00:33:22,200 --> 00:33:25,040
Speaker 1: so that's still something so new to me. So entrepreneurship

710
00:33:25,120 --> 00:33:29,800
Speaker 1: is constantly It's hard because you're constantly evolving, but you

711
00:33:29,920 --> 00:33:33,280
Speaker 1: have to want to. Every year, I set aside a

712
00:33:33,360 --> 00:33:36,280
Speaker 1: personal goal for the business. So this year it's all

713
00:33:36,320 --> 00:33:38,760
Speaker 1: about get that money right, like behind the scenes. And

714
00:33:38,840 --> 00:33:40,800
Speaker 1: so last year was like, oh, we were opening up

715
00:33:40,840 --> 00:33:42,920
Speaker 1: the Academy, and before that it was like we had

716
00:33:42,920 --> 00:33:44,840
Speaker 1: a Live Richer Challenge and that was that was the

717
00:33:44,880 --> 00:33:47,080
Speaker 1: first time we did a challenge. And so every year

718
00:33:47,080 --> 00:33:49,000
Speaker 1: we usually have like I usually have a main project

719
00:33:49,000 --> 00:33:50,680
Speaker 1: that I'm working on, and this year it's really all

720
00:33:50,720 --> 00:33:54,360
Speaker 1: about the behind the scenes finances. And that's all you

721
00:33:54,400 --> 00:33:57,680
Speaker 1: can do is try your best to do your best

722
00:33:57,800 --> 00:34:00,400
Speaker 1: and then when you when you realize you're doing something wrong,

723
00:34:01,200 --> 00:34:04,959
Speaker 1: ask for help. So what I would suggest to anybody

724
00:34:05,000 --> 00:34:07,640
Speaker 1: who's wanted to be an entrepreneur is one you have

725
00:34:07,680 --> 00:34:09,640
Speaker 1: to be willing to be wrong all the time. Like

726
00:34:09,680 --> 00:34:12,480
Speaker 1: we make mistakes all the time. Me and Sierra my coo.

727
00:34:12,600 --> 00:34:14,520
Speaker 1: She used to be my intern and now she's my coo.

728
00:34:14,840 --> 00:34:16,520
Speaker 1: We giggle all the time. We're like, yo, girl, we

729
00:34:16,560 --> 00:34:18,160
Speaker 1: are a mess. That is not even though my email

730
00:34:18,160 --> 00:34:19,759
Speaker 1: was supposed to send out to our list of three

731
00:34:19,800 --> 00:34:23,799
Speaker 1: hundred thousand, or like, we set out a link and

732
00:34:23,800 --> 00:34:25,560
Speaker 1: I'm like, the link's not working. Nobody checked the link.

733
00:34:25,640 --> 00:34:27,359
Speaker 1: Done it. Now we got to set out of oops

734
00:34:27,400 --> 00:34:28,960
Speaker 1: email and then the oops are top of the oops

735
00:34:29,000 --> 00:34:33,200
Speaker 1: email and so those things. But you learned one not

736
00:34:33,280 --> 00:34:37,200
Speaker 1: to take yourself so seriously to ask for help. That

737
00:34:37,360 --> 00:34:39,160
Speaker 1: was a mistake that I made that it took me

738
00:34:39,400 --> 00:34:42,279
Speaker 1: too long to ask for help. And now that I

739
00:34:42,360 --> 00:34:45,440
Speaker 1: ask for help, it's helped so much because we've grown

740
00:34:45,520 --> 00:34:47,840
Speaker 1: so much. If I would have asked for help, I

741
00:34:47,840 --> 00:34:50,520
Speaker 1: could have saved, like I said, tens of thousands of

742
00:34:50,520 --> 00:34:52,560
Speaker 1: dollars in taxes and the mistakes that I was making,

743
00:34:53,040 --> 00:34:54,960
Speaker 1: because I mean like, at one point we paid an

744
00:34:54,960 --> 00:34:57,680
Speaker 1: extra thirty thousand dollars in taxes because a mistake I made.

745
00:34:58,040 --> 00:35:00,680
Speaker 1: And I was like, can you get come back? No,

746
00:35:01,120 --> 00:35:04,000
Speaker 1: because it wasn't a mistake that I can change. It

747
00:35:04,120 --> 00:35:06,600
Speaker 1: was like the way you said up your business, like

748
00:35:06,600 --> 00:35:11,120
Speaker 1: if you're an LLC versus an ES corp, Like that

749
00:35:11,239 --> 00:35:14,680
Speaker 1: differentiation matters when it comes to taxes. And I took

750
00:35:14,680 --> 00:35:16,160
Speaker 1: it lightly and I didn't listen to my account and

751
00:35:16,239 --> 00:35:18,160
Speaker 1: I waited too long to make the switch. And he

752
00:35:18,239 --> 00:35:20,120
Speaker 1: was like, well, you know, the good news is you

753
00:35:20,120 --> 00:35:21,799
Speaker 1: made the switch. The bad news is you waited so

754
00:35:21,880 --> 00:35:24,200
Speaker 1: long you owe the government thirty thousand. I was like, wait,

755
00:35:24,920 --> 00:35:30,560
Speaker 1: Bean's thirty thousand, Wait wait duckets doc. But I can

756
00:35:30,640 --> 00:35:32,440
Speaker 1: laugh about it because at the end of the day,

757
00:35:32,480 --> 00:35:34,640
Speaker 1: I'm healthy and I'm happy, and you make mistakes and

758
00:35:35,080 --> 00:35:37,480
Speaker 1: you do better. But yeah, entrepreneurship. Like I said, I

759
00:35:37,520 --> 00:35:39,920
Speaker 1: hope that I was able to illustrate that it has

760
00:35:39,960 --> 00:35:42,319
Speaker 1: not been an easy road, but it has been so

761
00:35:42,760 --> 00:35:46,399
Speaker 1: rewarding because I decided a long time ago to live

762
00:35:46,400 --> 00:35:50,200
Speaker 1: a life of service, and when all else fails, I

763
00:35:50,239 --> 00:35:52,120
Speaker 1: have it on my wall. You are living a life

764
00:35:52,120 --> 00:35:54,040
Speaker 1: of service. So as long as I stay true to that,

765
00:35:54,640 --> 00:35:58,399
Speaker 1: then the thirty thousand dollars, the money made, the money lost,

766
00:35:58,400 --> 00:36:01,000
Speaker 1: the mistakes made, they don't mean as much as long

767
00:36:01,040 --> 00:36:03,759
Speaker 1: as I know that someone is being helped by the

768
00:36:03,800 --> 00:36:05,520
Speaker 1: fact that I have this business, and I know that

769
00:36:05,560 --> 00:36:08,160
Speaker 1: to be true, And so you know that that helps

770
00:36:08,239 --> 00:36:11,840
Speaker 1: keep me moving because money doesn't, you know, although it's great,

771
00:36:12,120 --> 00:36:15,880
Speaker 1: it doesn't. It doesn't keep you warm at night. It doesn't,

772
00:36:16,200 --> 00:36:19,840
Speaker 1: you know, like having more has it made me happier?

773
00:36:19,960 --> 00:36:23,160
Speaker 1: You know which made me happier is family and foundation.

774
00:36:23,239 --> 00:36:25,600
Speaker 1: For the longest time I was by myself. I was working, working, working,

775
00:36:25,680 --> 00:36:28,200
Speaker 1: I had no boo. I had to finally stop and say, Timmy,

776
00:36:28,200 --> 00:36:29,960
Speaker 1: what are you doing? Are you gonna be a rich

777
00:36:30,000 --> 00:36:33,120
Speaker 1: old lady alone? No kids, no boo. So I took

778
00:36:33,160 --> 00:36:34,879
Speaker 1: a step back and I said, no, I'm gonna open

779
00:36:34,920 --> 00:36:37,279
Speaker 1: myself up and now I have Superman and we're gonna

780
00:36:37,280 --> 00:36:39,319
Speaker 1: get married. And that means more to me if that

781
00:36:39,360 --> 00:36:42,520
Speaker 1: meant less money, because with I have to cook dinner

782
00:36:42,520 --> 00:36:44,319
Speaker 1: and I don't have to, but I cooked dinner. We

783
00:36:44,400 --> 00:36:47,320
Speaker 1: hang out, So that means that's less time for my business.

784
00:36:47,600 --> 00:36:50,160
Speaker 1: Could I make more if I spent less time with him, yes,

785
00:36:50,560 --> 00:36:52,719
Speaker 1: But would that make me a better person or make

786
00:36:52,760 --> 00:36:55,640
Speaker 1: me happier? No. So you know that's the part of

787
00:36:55,760 --> 00:36:57,840
Speaker 1: entrepreneurship that to me is the hardest, is the balance.

788
00:36:57,880 --> 00:37:00,440
Speaker 1: But I think you know, go for so go for

789
00:37:00,520 --> 00:37:03,560
Speaker 1: it knowing that it's not easy, and that you don't

790
00:37:03,600 --> 00:37:06,239
Speaker 1: have to be a pure entrepreneur, that you can have

791
00:37:06,360 --> 00:37:08,800
Speaker 1: your side hustles on the side until your business makes money.

792
00:37:09,440 --> 00:37:11,120
Speaker 2: I think that's really important. I mean not just to

793
00:37:11,160 --> 00:37:14,040
Speaker 2: hear the dirty behind, like the success and all that,

794
00:37:14,120 --> 00:37:17,799
Speaker 2: but just to to understand what someone went through to

795
00:37:17,880 --> 00:37:20,640
Speaker 2: achieve their success and then decide for yourself. Am I

796
00:37:20,719 --> 00:37:23,759
Speaker 2: willing to do? You know, certain things to achieve that

797
00:37:23,840 --> 00:37:27,040
Speaker 2: level of success, and it's is entrepreneurship even something I

798
00:37:27,040 --> 00:37:29,920
Speaker 2: can manage. You know, it's so difficult, it takes so

799
00:37:30,000 --> 00:37:31,480
Speaker 2: much of your life. You may not be in a

800
00:37:31,520 --> 00:37:35,120
Speaker 2: place where you can sacrifice what it takes to sacrifice.

801
00:37:35,480 --> 00:37:38,239
Speaker 2: You know, no, if you have children, if you you know,

802
00:37:38,320 --> 00:37:41,959
Speaker 2: if you have a parent, that you're caring for those

803
00:37:42,040 --> 00:37:43,880
Speaker 2: types of things. And I'm not gonna lie. A lot

804
00:37:43,920 --> 00:37:46,160
Speaker 2: of times women are the people who that those types

805
00:37:46,160 --> 00:37:50,760
Speaker 2: of responsibilities fall on. So and you know, not beating

806
00:37:50,800 --> 00:37:53,000
Speaker 2: yourself up because you know, oh, I don't own my

807
00:37:53,040 --> 00:37:55,200
Speaker 2: own business or I you know, maybe I want to,

808
00:37:55,239 --> 00:37:56,799
Speaker 2: but I can't seem to get to the next level.

809
00:37:56,840 --> 00:38:00,239
Speaker 2: Sometimes there's you know, there's there's personal things in your

810
00:38:00,280 --> 00:38:04,239
Speaker 2: life that may be maybe standing in the way, or

811
00:38:04,239 --> 00:38:06,719
Speaker 2: there's barriers standing in the way. And it's nice to hear,

812
00:38:07,480 --> 00:38:09,759
Speaker 2: Like it's nice to hear you say too that you've

813
00:38:09,760 --> 00:38:12,400
Speaker 2: made a conscious choice to sacrifice, but to an extent,

814
00:38:12,920 --> 00:38:15,000
Speaker 2: like you find you've sort of figured out what you're

815
00:38:15,000 --> 00:38:18,080
Speaker 2: comfortable with giving up and what you're not comfortable with giving.

816
00:38:17,920 --> 00:38:20,719
Speaker 1: Up, and still the trade offs that I don't know

817
00:38:20,760 --> 00:38:22,719
Speaker 1: if it's worth it. Like I'm thirty seven now and

818
00:38:22,760 --> 00:38:25,360
Speaker 1: I'm like, dang, there's a possibility I might not be

819
00:38:25,400 --> 00:38:27,920
Speaker 1: able to have kids, you know, And I'm like, Dag,

820
00:38:27,960 --> 00:38:31,400
Speaker 1: that's something that you know, I didn't. I wasn't consciously

821
00:38:31,480 --> 00:38:34,720
Speaker 1: trading in. But I'm like, yikes, I mean we're trying,

822
00:38:35,040 --> 00:38:37,200
Speaker 1: but there's no guarantee. You know, once you get past

823
00:38:37,200 --> 00:38:40,720
Speaker 1: a certain age, it's just that much harder to get pregnant.

824
00:38:40,960 --> 00:38:43,400
Speaker 1: So that's something where I have to acknowledge, like Dag,

825
00:38:43,760 --> 00:38:47,839
Speaker 1: you know, like you know, was that was it worth it?

826
00:38:47,920 --> 00:38:49,680
Speaker 1: You know? And I don't know. I mean like I

827
00:38:49,680 --> 00:38:52,200
Speaker 1: mean I never had like this huge urge until and

828
00:38:52,239 --> 00:38:53,759
Speaker 1: not even now. I mean, I want to have kids,

829
00:38:53,800 --> 00:38:55,640
Speaker 1: but it's not like you know, some women are like,

830
00:38:55,880 --> 00:38:58,719
Speaker 1: you know, they the mommy clock is ticking loud, and

831
00:38:58,800 --> 00:39:01,640
Speaker 1: for me it's ticking now, but it wasn't taking at

832
00:39:01,640 --> 00:39:04,839
Speaker 1: thirty one, thirty two, thirty five even you know. So

833
00:39:04,920 --> 00:39:07,480
Speaker 1: those are things that you have to like acknowledge that,

834
00:39:07,520 --> 00:39:09,720
Speaker 1: you know, I've learned this that you can't have it all.

835
00:39:09,960 --> 00:39:11,680
Speaker 1: Don't let people fool you into thinking you're like, oh,

836
00:39:11,680 --> 00:39:14,920
Speaker 1: I can have the you know, have everything all at

837
00:39:14,920 --> 00:39:17,920
Speaker 1: one time. That's just not really true. You know. There's

838
00:39:18,000 --> 00:39:20,480
Speaker 1: I always say there's certain levels. There's like am I

839
00:39:20,520 --> 00:39:23,759
Speaker 1: willing to work at one hundred thousand dollars level. That's

840
00:39:23,800 --> 00:39:26,840
Speaker 1: a certain level of sacrifice. Then there's five hundred thousand

841
00:39:26,840 --> 00:39:31,120
Speaker 1: dollars level sacrifice. Then there's you know, a million dollar

842
00:39:31,200 --> 00:39:33,200
Speaker 1: level side. Like I know for myself, I don't have

843
00:39:33,239 --> 00:39:35,560
Speaker 1: a billion dollar level sacrifice in me, like the level

844
00:39:35,560 --> 00:39:36,919
Speaker 1: that it would take. I was just watching the Steve

845
00:39:36,960 --> 00:39:41,200
Speaker 1: Hard Steve Jobs movie. I don't I don't for me

846
00:39:41,280 --> 00:39:43,240
Speaker 1: to get to a billion dollars the level of sacrifice,

847
00:39:43,239 --> 00:39:45,160
Speaker 1: I don't want to sacrifice that much. You have to

848
00:39:45,200 --> 00:39:48,320
Speaker 1: acknowledge that you have to sacrifice something in order to

849
00:39:48,320 --> 00:39:50,960
Speaker 1: get to certain levels, and you have to decide for yourself.

850
00:39:51,040 --> 00:39:52,880
Speaker 1: I don't know what the number looks like for me,

851
00:39:53,280 --> 00:39:57,080
Speaker 1: but I feel like I'm reaching it because I want to.

852
00:39:57,160 --> 00:39:59,640
Speaker 1: I want to at least try to have kids, and

853
00:39:59,760 --> 00:40:01,759
Speaker 1: I want to like settle in a little bit more

854
00:40:01,800 --> 00:40:04,160
Speaker 1: because I mean, like, if you know, if I make

855
00:40:04,880 --> 00:40:07,239
Speaker 1: like a million dollars a year in business, typically I

856
00:40:07,239 --> 00:40:09,480
Speaker 1: take home thirty or forty percent of that, like as

857
00:40:09,600 --> 00:40:11,719
Speaker 1: take home pay, and so I'm like, you know, three

858
00:40:11,760 --> 00:40:13,960
Speaker 1: hundred thousands is good money, girl, I'm good, Like you know,

859
00:40:15,000 --> 00:40:17,080
Speaker 1: like I don't necessarily, you know, it'd be great to

860
00:40:17,120 --> 00:40:20,160
Speaker 1: make ten million, but if it means that I don't

861
00:40:20,160 --> 00:40:22,400
Speaker 1: have kids, for sure, I'm not willing to trade that in.

862
00:40:22,920 --> 00:40:25,319
Speaker 1: And so just being very you know, conscious about what

863
00:40:25,360 --> 00:40:25,880
Speaker 1: that means.

864
00:40:26,000 --> 00:40:27,839
Speaker 2: Even just that you know you're saying that you take

865
00:40:27,840 --> 00:40:29,839
Speaker 2: in thirty to forty percent, that adds a whole other

866
00:40:29,920 --> 00:40:32,759
Speaker 2: layer of like realism to it, to the numbers, to

867
00:40:32,880 --> 00:40:35,200
Speaker 2: like what you see when people say, you know, on

868
00:40:35,320 --> 00:40:38,880
Speaker 2: my business, because I've gotten begrudgingly into that show the

869
00:40:38,920 --> 00:40:42,280
Speaker 2: profit with that guy who goes from business to business

870
00:40:42,320 --> 00:40:44,640
Speaker 2: and like helping them, Like it's just like how you

871
00:40:44,680 --> 00:40:47,319
Speaker 2: were saying, like the numbers are like I'm making good money,

872
00:40:47,320 --> 00:40:49,279
Speaker 2: but the numbers aren't adding up. What's happening? I never

873
00:40:49,320 --> 00:40:52,160
Speaker 2: see it. And he goes in and he is like

874
00:40:52,200 --> 00:40:56,120
Speaker 2: a serial entrepreneur and he helps them. He helps them

875
00:40:56,200 --> 00:40:57,880
Speaker 2: like look at their books and figure out what's and

876
00:40:57,880 --> 00:40:59,920
Speaker 2: cut the trim the fat and like get on their

877
00:41:00,200 --> 00:41:03,560
Speaker 2: you know, get on a good footing. And it's that's

878
00:41:03,600 --> 00:41:05,640
Speaker 2: been eye opening for me to see that, like you

879
00:41:05,680 --> 00:41:07,560
Speaker 2: can be making good money, but you have to be

880
00:41:07,600 --> 00:41:10,520
Speaker 2: realistic and not it's just like and it's just like

881
00:41:10,560 --> 00:41:12,640
Speaker 2: you have to tell yourself, well, I'm making this much.

882
00:41:12,680 --> 00:41:14,239
Speaker 2: But really, I'm making this much and you have to

883
00:41:14,360 --> 00:41:17,520
Speaker 2: sort of adjust to live that lifestyle, like you're not like,

884
00:41:17,560 --> 00:41:21,400
Speaker 2: if you're living your five hundred thousand dollars lifestyle, that

885
00:41:21,400 --> 00:41:24,800
Speaker 2: would be unfortunate. The Budgetiessa would be baroque. The Budgetiessa

886
00:41:24,840 --> 00:41:25,600
Speaker 2: wouldn't have a new car.

887
00:41:27,120 --> 00:41:29,399
Speaker 1: And honestly, the truth of the matter is, I'm not even

888
00:41:29,440 --> 00:41:32,680
Speaker 1: living like I venture to say, I'm living closer to

889
00:41:32,760 --> 00:41:36,799
Speaker 1: like a fifty thousand dollars lifestyle if that, and that's

890
00:41:36,800 --> 00:41:37,480
Speaker 1: something too.

891
00:41:37,400 --> 00:41:39,839
Speaker 2: Bad about myself, you know.

892
00:41:39,920 --> 00:41:43,040
Speaker 1: But to me, that's not good because I it's sometimes

893
00:41:43,040 --> 00:41:45,840
Speaker 1: you're it's hard to break the the what got you

894
00:41:45,920 --> 00:41:47,640
Speaker 1: here is not what's going to keep you here or

895
00:41:47,680 --> 00:41:49,920
Speaker 1: move you forward. And for me, I've been having a

896
00:41:49,960 --> 00:41:52,120
Speaker 1: hard time. Remember I was like, how many times did

897
00:41:52,160 --> 00:41:53,880
Speaker 1: I tell you made that? I'm like, my car broke down.

898
00:41:53,800 --> 00:41:56,680
Speaker 2: Again enough for like, come on now.

899
00:41:57,360 --> 00:42:01,640
Speaker 1: Exactly And because I was, it's not exactly. And it

900
00:42:01,640 --> 00:42:03,120
Speaker 1: wasn't because I was trying to be cute. It was

901
00:42:03,160 --> 00:42:08,960
Speaker 1: because I was stubbornly clinging onto the vehicle that brought

902
00:42:09,000 --> 00:42:10,840
Speaker 1: me here, Like but if I let that go, but

903
00:42:10,880 --> 00:42:12,799
Speaker 1: that's what got me here. But that's what you know

904
00:42:12,920 --> 00:42:15,279
Speaker 1: that that's what helped to create the environment that I

905
00:42:15,320 --> 00:42:17,640
Speaker 1: live in now as far as a successful business. I

906
00:42:17,680 --> 00:42:20,440
Speaker 1: was afraid that if I moved past that that I

907
00:42:20,480 --> 00:42:22,080
Speaker 1: was going to lose everything again and be broke back

908
00:42:22,120 --> 00:42:23,879
Speaker 1: on the couch. It's like I couldn't let that go.

909
00:42:24,360 --> 00:42:27,800
Speaker 1: And you know, finally buying the car was like tip

910
00:42:27,840 --> 00:42:30,359
Speaker 1: fund me, like I bought it cash. It was like,

911
00:42:30,400 --> 00:42:32,359
Speaker 1: I think I bought it for twenty two five twenty

912
00:42:32,360 --> 00:42:35,279
Speaker 1: two five hundred, and that didn't make a debt in

913
00:42:35,320 --> 00:42:38,040
Speaker 1: my account. But paying for that it was so hard

914
00:42:38,080 --> 00:42:40,160
Speaker 1: because I was like, oh my god, twenty two thousand

915
00:42:40,200 --> 00:42:43,000
Speaker 1: dollars switch cdcativity. What are you doing? Meanwhile, Mandy, like

916
00:42:43,080 --> 00:42:46,279
Speaker 1: literally my personal bills are under three thousand dollars a month,

917
00:42:46,520 --> 00:42:51,279
Speaker 1: my personal like RAND insurance like all like like the

918
00:42:51,320 --> 00:42:54,319
Speaker 1: business of course is different. But for Tiffany, my like,

919
00:42:54,360 --> 00:42:56,400
Speaker 1: I live off less than I would. I say, I say,

920
00:42:56,440 --> 00:42:58,279
Speaker 1: about twenty five hundred dollars a months is how much

921
00:42:58,600 --> 00:43:00,960
Speaker 1: my bills cost me. So I don't like, I'm like Tiffany,

922
00:43:00,960 --> 00:43:05,680
Speaker 1: you don't buy yourself any day. I don't. And yeah,

923
00:43:05,760 --> 00:43:08,720
Speaker 1: that's been that's been a struggle. It's being like Tiffany,

924
00:43:08,760 --> 00:43:11,239
Speaker 1: it's to the point where you're making choices that put

925
00:43:11,280 --> 00:43:13,160
Speaker 1: you in harm's way. Your car breaks down in a

926
00:43:13,200 --> 00:43:15,799
Speaker 1: random place, what are you gonna do? You know, how

927
00:43:15,880 --> 00:43:18,120
Speaker 1: is that beneficial? Spend a dag on money and get

928
00:43:18,160 --> 00:43:21,480
Speaker 1: something that's not going to put you in danger. And

929
00:43:21,520 --> 00:43:23,040
Speaker 1: so I love my car now that I was like, ooh,

930
00:43:23,080 --> 00:43:25,319
Speaker 1: it's all like it's so crazy. I'm like, wait, does

931
00:43:25,320 --> 00:43:27,279
Speaker 1: everybody have push to stop? People are like, where have

932
00:43:27,360 --> 00:43:27,719
Speaker 1: you been?

933
00:43:28,840 --> 00:43:32,439
Speaker 2: Oh, that's all your car, didn't you probably like? Yeah?

934
00:43:32,560 --> 00:43:35,239
Speaker 2: Do you have like a backward like a rear camera now,

935
00:43:35,280 --> 00:43:38,279
Speaker 2: like the camera where you can see when you're backing up? Oh,

936
00:43:38,760 --> 00:43:41,720
Speaker 2: like you're discovering the twenty first century.

937
00:43:42,520 --> 00:43:44,239
Speaker 1: Yo. I still like when I've be in the car

938
00:43:44,280 --> 00:43:46,680
Speaker 1: with Superman, I still turn around and look. He's like, Babe,

939
00:43:46,680 --> 00:43:49,880
Speaker 1: there's the backup camera. I'm like, oh there is, and

940
00:43:49,880 --> 00:43:53,720
Speaker 1: and it has park assist. I can't believe it. Like yes,

941
00:43:54,320 --> 00:43:56,600
Speaker 1: I mean, I'm telling you, it's it's fancy. It's it's

942
00:43:56,680 --> 00:43:58,879
Speaker 1: what I call affordable luxury. I did my research because

943
00:43:58,880 --> 00:44:00,439
Speaker 1: I'm like, I didn't you know, I'm I'm not looking

944
00:44:00,440 --> 00:44:03,040
Speaker 1: for a range Rover or whatever. But I wanted something

945
00:44:03,080 --> 00:44:05,040
Speaker 1: that was nice. It was gonna last me a long time.

946
00:44:06,160 --> 00:44:09,279
Speaker 1: It only had like eleven thousand miles on it, even though,

947
00:44:09,280 --> 00:44:10,680
Speaker 1: like you know, and of course I wasn't gonna buy

948
00:44:10,680 --> 00:44:12,000
Speaker 1: a brand new cars because that's just the waste of

949
00:44:12,080 --> 00:44:16,200
Speaker 1: money for depreciation purposes. And so it's a twenty fifteen

950
00:44:17,360 --> 00:44:20,200
Speaker 1: like it was just well maintained. It's black on black.

951
00:44:20,239 --> 00:44:22,840
Speaker 1: It's just honestly, I love it in that. It's so

952
00:44:22,960 --> 00:44:24,080
Speaker 1: nice to get in a car and not be like,

953
00:44:24,120 --> 00:44:28,200
Speaker 1: come on, baby, start from me, come on, start from mama.

954
00:44:28,560 --> 00:44:31,040
Speaker 2: I'm so happy for you. Actually, that's like the exact

955
00:44:31,040 --> 00:44:32,560
Speaker 2: same thing. We didn't buy the same car, but we

956
00:44:32,600 --> 00:44:36,960
Speaker 2: bought run the same price, same year, same mileage. Okay,

957
00:44:37,080 --> 00:44:39,920
Speaker 2: are we rubbing off on each other happening?

958
00:44:42,640 --> 00:44:42,719
Speaker 1: No?

959
00:44:42,880 --> 00:44:44,640
Speaker 2: Well, you need you need to send a picture so

960
00:44:44,640 --> 00:44:46,600
Speaker 2: I can put it on the on the on the website.

961
00:44:46,600 --> 00:44:48,480
Speaker 2: I'm sure people want to see you in your hot ride.

962
00:44:49,680 --> 00:44:52,640
Speaker 2: I will all this talk about balancing though, and like

963
00:44:52,680 --> 00:44:54,799
Speaker 2: you said, you can't have it all. I feel like

964
00:44:55,120 --> 00:44:57,239
Speaker 2: in this I'm gonna I'm gonna put this question as

965
00:44:57,280 --> 00:44:59,000
Speaker 2: our next question because I feel like it's like a

966
00:44:59,040 --> 00:45:01,799
Speaker 2: good representation of a lot of the questions that we

967
00:45:01,840 --> 00:45:04,359
Speaker 2: get from people, which this is not the only person

968
00:45:04,400 --> 00:45:09,120
Speaker 2: who's asked this, and the gist of it is if

969
00:45:09,120 --> 00:45:12,080
Speaker 2: I can find it again. From our listener named Angela,

970
00:45:12,160 --> 00:45:16,560
Speaker 2: she says, your podcast is wonderful. From your podcast is wonderful.

971
00:45:16,600 --> 00:45:20,319
Speaker 2: From pack Panties to politics with Mom Angela, Now you're

972
00:45:20,360 --> 00:45:21,600
Speaker 2: a loyal listener.

973
00:45:22,960 --> 00:45:24,160
Speaker 1: I forgot we kept about pack.

974
00:45:25,600 --> 00:45:27,880
Speaker 2: Honestly, I think it's nice that we forget what we

975
00:45:27,920 --> 00:45:30,640
Speaker 2: talk about, or else why we keep like the amount

976
00:45:30,680 --> 00:45:35,520
Speaker 2: of personal details in this show. Oh Lord, Pack Panties

977
00:45:35,520 --> 00:45:37,839
Speaker 2: to politics the mom. I'm doing well in my career

978
00:45:37,880 --> 00:45:40,360
Speaker 2: and I've changed positions in my company every two to

979
00:45:40,400 --> 00:45:43,440
Speaker 2: three years to climb the ladder. Respect. Do you have

980
00:45:43,480 --> 00:45:46,600
Speaker 2: any suggestions on work life balance that would include work,

981
00:45:46,680 --> 00:45:50,880
Speaker 2: working out, family, social life, and volunteerism. Thank you in advance,

982
00:45:51,080 --> 00:45:53,880
Speaker 2: so she wants to kill it at work, also have

983
00:45:53,960 --> 00:45:57,640
Speaker 2: time to work out, have a family, a social life,

984
00:45:57,680 --> 00:46:00,839
Speaker 2: and time to volunteer. When you figure that out, please

985
00:46:00,920 --> 00:46:04,200
Speaker 2: let me know and give. I will be your agent

986
00:46:04,280 --> 00:46:07,800
Speaker 2: and I will make money off of you. That is

987
00:46:07,840 --> 00:46:09,760
Speaker 2: a lot the holy Grail.

988
00:46:10,719 --> 00:46:12,359
Speaker 1: But I feel like you have better work life balance

989
00:46:12,400 --> 00:46:14,600
Speaker 1: than I do because I'm like, you know, one, you know,

990
00:46:14,920 --> 00:46:19,200
Speaker 1: you've been working out, planning this wedding, you know, working

991
00:46:19,200 --> 00:46:20,920
Speaker 1: at work and killing it, because that's that next to

992
00:46:20,960 --> 00:46:23,319
Speaker 1: your boss Nick at your wedding and they just sang

993
00:46:23,320 --> 00:46:25,640
Speaker 1: your praises and so, so, how do you do and

994
00:46:25,719 --> 00:46:28,279
Speaker 1: how have you been managing well?

995
00:46:28,360 --> 00:46:30,640
Speaker 2: Did I mention that the day after the wedding I

996
00:46:30,920 --> 00:46:35,200
Speaker 2: broke into uncontrollable sobs at a restaurant like in front

997
00:46:35,239 --> 00:46:40,320
Speaker 2: of my friends. No, I I've managed it, I would

998
00:46:40,360 --> 00:46:46,080
Speaker 2: say by prioritizing well for one thing, like working out. Yes,

999
00:46:46,400 --> 00:46:49,879
Speaker 2: I haven't. I I let me let me think how

1000
00:46:49,920 --> 00:46:51,799
Speaker 2: have I done it? Cause I don't feel like I've

1001
00:46:51,800 --> 00:46:55,440
Speaker 2: always been the greatest at balance. I think, well, one thing,

1002
00:46:55,480 --> 00:46:57,879
Speaker 2: I haven't been volunteering like I used to. Like that's

1003
00:46:58,200 --> 00:47:01,080
Speaker 2: for sure, I've been giving money to causes, but I

1004
00:47:01,080 --> 00:47:03,799
Speaker 2: haven't been volunteering like I used to, And which makes

1005
00:47:03,800 --> 00:47:06,040
Speaker 2: me sad because a lot of the people at the

1006
00:47:06,040 --> 00:47:09,040
Speaker 2: wedding that that you met and that have been my

1007
00:47:09,080 --> 00:47:13,080
Speaker 2: lifelong friends. I met doing volunteer relief after hur Kan

1008
00:47:13,160 --> 00:47:16,200
Speaker 2: Katrina ten years ago, and that was such a huge

1009
00:47:17,200 --> 00:47:19,640
Speaker 2: impact on my life. And it's the reason, you know,

1010
00:47:19,719 --> 00:47:23,759
Speaker 2: traveling alone to Biloxi, Mississippi at you know, nineteen years

1011
00:47:23,800 --> 00:47:27,239
Speaker 2: old and volunteering with a bunch of strangers. That is

1012
00:47:27,320 --> 00:47:29,560
Speaker 2: like the that gave me the courage to do pretty

1013
00:47:29,640 --> 00:47:33,400
Speaker 2: much everything I ever have done before that, traveling, moving

1014
00:47:33,440 --> 00:47:37,120
Speaker 2: to New York, meeting new people. And so I love

1015
00:47:37,239 --> 00:47:39,319
Speaker 2: to get back to volunteering. I'd love I'd love to

1016
00:47:39,400 --> 00:47:41,439
Speaker 2: feel the sense of like when you were talking about

1017
00:47:41,480 --> 00:47:44,040
Speaker 2: the sense of service and like the mission and drive

1018
00:47:44,080 --> 00:47:47,360
Speaker 2: you have for your business and helping people. I've I

1019
00:47:47,440 --> 00:47:50,120
Speaker 2: craved for that feeling too, And I would say that

1020
00:47:50,160 --> 00:47:52,319
Speaker 2: my job gives me a little bit of satisfaction in

1021
00:47:52,320 --> 00:47:55,200
Speaker 2: that regard to because being a personal finance reporter, I'm

1022
00:47:55,239 --> 00:47:57,480
Speaker 2: not like the budget neist the level of giving people

1023
00:47:57,560 --> 00:48:00,759
Speaker 2: help and helping, but we do. We are in so journalism,

1024
00:48:00,840 --> 00:48:03,160
Speaker 2: like the stories that we write that the assignments I

1025
00:48:03,200 --> 00:48:05,720
Speaker 2: do always are like how can we help people today

1026
00:48:05,800 --> 00:48:08,360
Speaker 2: in our little small way? So that is like my

1027
00:48:08,440 --> 00:48:10,600
Speaker 2: own I guess it's like my way of cheating and

1028
00:48:10,640 --> 00:48:12,760
Speaker 2: doing a job that makes me feel like I'm giving

1029
00:48:12,800 --> 00:48:14,920
Speaker 2: back and like a job that I'm good at and

1030
00:48:15,600 --> 00:48:19,279
Speaker 2: I am grateful for that. I was just talking to

1031
00:48:19,320 --> 00:48:22,440
Speaker 2: someone today about how like this, the fact that I

1032
00:48:22,480 --> 00:48:25,720
Speaker 2: get paid to write and to edit as my job

1033
00:48:25,800 --> 00:48:27,520
Speaker 2: and I can have a life like that is the

1034
00:48:27,640 --> 00:48:30,000
Speaker 2: ultimate dream if you're a creative person is to get

1035
00:48:30,000 --> 00:48:32,640
Speaker 2: paid doing what you like. So I feel a lot

1036
00:48:32,680 --> 00:48:36,120
Speaker 2: of happiness and gratitude, and that gratitude makes it possible

1037
00:48:36,160 --> 00:48:39,960
Speaker 2: for me to not mind working extra hard all the time.

1038
00:48:41,200 --> 00:48:43,160
Speaker 2: But certainly, and I also think the fact that I

1039
00:48:43,200 --> 00:48:45,759
Speaker 2: had a long planning period for the wedding. We had

1040
00:48:45,760 --> 00:48:48,360
Speaker 2: another question from someone who wanted to talk about the

1041
00:48:48,400 --> 00:48:51,359
Speaker 2: planning period for the wedding. But I'm sure you guys

1042
00:48:51,360 --> 00:48:52,799
Speaker 2: were sick of me talking about it because this is

1043
00:48:52,840 --> 00:48:56,719
Speaker 2: a long engagement. And I think giving myself time and

1044
00:48:56,760 --> 00:49:01,200
Speaker 2: like starting early and doing making all the big decisions

1045
00:49:01,280 --> 00:49:04,840
Speaker 2: right away, like the venue, the photographer, the caterer, and

1046
00:49:04,880 --> 00:49:06,680
Speaker 2: getting that stuff out of the way, and then like

1047
00:49:06,719 --> 00:49:10,759
Speaker 2: slowly building up small details over time definitely helped me,

1048
00:49:10,920 --> 00:49:14,760
Speaker 2: like manage the wedding. So the wedding wasn't that huge

1049
00:49:15,160 --> 00:49:17,239
Speaker 2: a part of my life, It definitely became like my

1050
00:49:17,440 --> 00:49:19,560
Speaker 2: entire life. The last I would say, the last month

1051
00:49:20,080 --> 00:49:22,920
Speaker 2: before the wedding, we were doing dance lessons, I was

1052
00:49:23,000 --> 00:49:26,680
Speaker 2: planning outfits with my sister. I was like planning guest

1053
00:49:26,760 --> 00:49:28,960
Speaker 2: lists and table assignments. All that crap at the end

1054
00:49:29,440 --> 00:49:33,120
Speaker 2: was insane. So the last month I haven't been the

1055
00:49:33,600 --> 00:49:35,640
Speaker 2: best balance, which is why I think I had that

1056
00:49:35,719 --> 00:49:40,280
Speaker 2: sort of like emotional release after the wedding. But luckily

1057
00:49:40,320 --> 00:49:42,000
Speaker 2: that's not like the norm. And I think that's just

1058
00:49:42,040 --> 00:49:45,360
Speaker 2: because I give myself a lot of time, like and

1059
00:49:45,400 --> 00:49:47,840
Speaker 2: I've had to learn that too. I think one of

1060
00:49:47,840 --> 00:49:49,799
Speaker 2: the biggest lessons I've learned is have gotten older, is

1061
00:49:49,840 --> 00:49:53,360
Speaker 2: to when you set goals, like, don't be unrealistic, because

1062
00:49:53,360 --> 00:49:56,560
Speaker 2: if you set an unrealistic goal with an unrealistic timeline,

1063
00:49:56,600 --> 00:49:59,000
Speaker 2: all you're setting a shelf up for is like disappointment

1064
00:49:59,640 --> 00:50:02,640
Speaker 2: and and struggle. So I would I would say I

1065
00:50:02,719 --> 00:50:05,000
Speaker 2: do that with like weight loss a lot, and even

1066
00:50:05,040 --> 00:50:07,319
Speaker 2: with career goals, Like how many times when I was

1067
00:50:07,360 --> 00:50:09,000
Speaker 2: like twenty, did I say, Well, by thirty, I'm going

1068
00:50:09,040 --> 00:50:10,520
Speaker 2: to be a millionaire and I'm going to have written

1069
00:50:10,520 --> 00:50:12,000
Speaker 2: a book and I'm going to be like, you know,

1070
00:50:12,080 --> 00:50:15,440
Speaker 2: an executive blah blah blah. And that's a crazy lofty

1071
00:50:15,480 --> 00:50:17,759
Speaker 2: goal and you know, you wake up you have to

1072
00:50:17,760 --> 00:50:19,640
Speaker 2: wake up every day and be like, hmmm, so I'm

1073
00:50:19,640 --> 00:50:22,200
Speaker 2: not an executive, I'm not a millionaire yet, like I'm

1074
00:50:22,200 --> 00:50:23,000
Speaker 2: doing everything wrong.

1075
00:50:23,040 --> 00:50:23,239
Speaker 1: You know.

1076
00:50:23,360 --> 00:50:26,160
Speaker 2: That's it's to your two being too hard on yourself,

1077
00:50:26,200 --> 00:50:28,799
Speaker 2: and the same thing with late weight loss. You know,

1078
00:50:28,840 --> 00:50:32,360
Speaker 2: my whole life, I've struggled with my body and like

1079
00:50:32,360 --> 00:50:35,160
Speaker 2: losing weight. I was really obese as a child, and

1080
00:50:35,200 --> 00:50:36,960
Speaker 2: I would always do these things where I'd be like, well,

1081
00:50:37,000 --> 00:50:38,360
Speaker 2: I'm just going to go on a crash diet and

1082
00:50:38,360 --> 00:50:40,200
Speaker 2: I had to lose forty pounds in the next like

1083
00:50:40,239 --> 00:50:43,440
Speaker 2: three months, and maybe that would work, and maybe it wouldn't.

1084
00:50:43,800 --> 00:50:46,080
Speaker 2: If it did work, it wouldn't last. And if it

1085
00:50:46,120 --> 00:50:50,160
Speaker 2: didn't work, I'd just be beating myself up. So with

1086
00:50:50,200 --> 00:50:52,279
Speaker 2: the wedding, I knew I wanted to be healthy, but

1087
00:50:52,320 --> 00:50:56,160
Speaker 2: I was not killing myself to you know, fit into

1088
00:50:56,200 --> 00:50:59,520
Speaker 2: any certain size dress or anything like that. I just

1089
00:50:59,560 --> 00:51:04,080
Speaker 2: wanted to be like a good, balanced version of myself.

1090
00:51:04,280 --> 00:51:06,840
Speaker 2: So it's it's been like a work in progress. I

1091
00:51:06,840 --> 00:51:10,480
Speaker 2: would say, I am really happy that the wedding's over now,

1092
00:51:10,520 --> 00:51:14,400
Speaker 2: because while the wedding was happening, I was taking a

1093
00:51:14,400 --> 00:51:16,440
Speaker 2: lot less time for what I really want to do

1094
00:51:16,520 --> 00:51:18,560
Speaker 2: on my side, time, which is to write a book,

1095
00:51:19,040 --> 00:51:22,719
Speaker 2: and I started writing. Yeah, I'm telling you, guys. I

1096
00:51:22,760 --> 00:51:24,839
Speaker 2: told some people before, but I'm telling you guys now,

1097
00:51:25,719 --> 00:51:29,080
Speaker 2: I've been working on a novel probably since I would say,

1098
00:51:29,080 --> 00:51:31,319
Speaker 2: when was this Christmas time. I started writing it in

1099
00:51:31,320 --> 00:51:34,040
Speaker 2: the airport in Chicago, and I'm really excited about it.

1100
00:51:34,120 --> 00:51:37,320
Speaker 2: And as the wedding kind of got crazy, I haven't

1101
00:51:37,400 --> 00:51:42,000
Speaker 2: touched this baby baby start to a book, I haven't

1102
00:51:42,040 --> 00:51:44,000
Speaker 2: touched it. And now I'm really excited to like have

1103
00:51:44,080 --> 00:51:49,520
Speaker 2: more time to dedicate to that. And as far as

1104
00:51:49,600 --> 00:51:53,600
Speaker 2: work goes, like I'm grateful to have the kind of

1105
00:51:53,719 --> 00:51:56,719
Speaker 2: job that I mean, it's a startup and there's very

1106
00:51:56,719 --> 00:51:58,800
Speaker 2: few of us, so like I'm killing myself trying to

1107
00:51:58,800 --> 00:52:00,960
Speaker 2: get prepared so that i can like leave for two weeks,

1108
00:52:01,000 --> 00:52:03,880
Speaker 2: and that is really stressful. I'm sure you can relate,

1109
00:52:04,160 --> 00:52:07,480
Speaker 2: like anytime that the budgetiesta doesn't run with the budgetiesta,

1110
00:52:07,560 --> 00:52:09,560
Speaker 2: so you if you want to take time off right,

1111
00:52:09,680 --> 00:52:11,960
Speaker 2: you have to like do the work in advance or

1112
00:52:12,080 --> 00:52:15,000
Speaker 2: figure out what's going to happen. So that's been difficult.

1113
00:52:15,000 --> 00:52:16,680
Speaker 2: But at the end of the day, I work with

1114
00:52:16,719 --> 00:52:20,840
Speaker 2: great people and they understand they understand the importance of

1115
00:52:21,040 --> 00:52:23,759
Speaker 2: you know, time off and like, you know, that sort

1116
00:52:23,800 --> 00:52:27,480
Speaker 2: of balance and that helps me too. So in a

1117
00:52:27,480 --> 00:52:30,960
Speaker 2: lot of ways, it's like, yeah, I've taken conscious effort

1118
00:52:31,120 --> 00:52:33,719
Speaker 2: to like have a balanced life. But then I've also

1119
00:52:33,760 --> 00:52:36,760
Speaker 2: been fortunate to work for someone and for a company

1120
00:52:36,840 --> 00:52:39,520
Speaker 2: that isn't trying to run my life and you know,

1121
00:52:39,840 --> 00:52:42,680
Speaker 2: work me into the ground, and that I get to

1122
00:52:42,680 --> 00:52:45,120
Speaker 2: do a job that I like doing. So I feel

1123
00:52:45,120 --> 00:52:47,000
Speaker 2: like those are two things that aren't necessarily in my

1124
00:52:47,000 --> 00:52:50,799
Speaker 2: control that I've been fortunate enough to be blessed with.

1125
00:52:52,120 --> 00:52:55,239
Speaker 1: And I didn't ask the expert because of for the

1126
00:52:55,239 --> 00:52:58,400
Speaker 1: Literature Academy, every Sunday we do ask the expert, and

1127
00:52:58,880 --> 00:53:03,680
Speaker 1: last week's expert was and he talked about creating abundance

1128
00:53:03,680 --> 00:53:06,040
Speaker 1: and balance, and he said something that actually I thought

1129
00:53:06,080 --> 00:53:10,960
Speaker 1: was like really insightful. He said that people mistaken balance,

1130
00:53:11,080 --> 00:53:14,719
Speaker 1: meaning that everything is hovering around. Like so like if

1131
00:53:14,719 --> 00:53:16,120
Speaker 1: you think about like you know, like one of those

1132
00:53:17,440 --> 00:53:20,000
Speaker 1: like a ball on a string and then the ball

1133
00:53:20,120 --> 00:53:22,680
Speaker 1: is in the middle always, that's what balance looks like.

1134
00:53:22,719 --> 00:53:26,200
Speaker 1: And he's like, no, sometimes balance is For the next month,

1135
00:53:26,800 --> 00:53:30,239
Speaker 1: I'm going to not do as much of you know,

1136
00:53:30,680 --> 00:53:33,120
Speaker 1: I don't know, volunteering but I'm gonna work on my

1137
00:53:33,160 --> 00:53:36,520
Speaker 1: wedding this month, and then once it's over, i'm gonna

1138
00:53:36,520 --> 00:53:38,520
Speaker 1: stop wedding stuff, and I'm going to volunteer. And when

1139
00:53:38,520 --> 00:53:40,560
Speaker 1: the volunteering is a little slow, I'm gonna stop that

1140
00:53:40,600 --> 00:53:43,000
Speaker 1: and work on Zoom. But when zoom, so I thought, like,

1141
00:53:43,080 --> 00:53:44,960
Speaker 1: you know what, I didn't think about that. He was like,

1142
00:53:45,520 --> 00:53:48,560
Speaker 1: you know, balance doesn't mean everything is hanging in this

1143
00:53:48,640 --> 00:53:53,680
Speaker 1: precarious position, in this perfect like alignment. No, it means

1144
00:53:53,719 --> 00:53:56,880
Speaker 1: that sometimes you're surging in one place, so meaning that

1145
00:53:56,960 --> 00:53:59,880
Speaker 1: you have to kind of save in another, you know.

1146
00:54:00,160 --> 00:54:02,839
Speaker 1: And so I'm like, oh, so it's more like it's

1147
00:54:02,840 --> 00:54:05,120
Speaker 1: like working in things in harmony that you might be

1148
00:54:05,160 --> 00:54:07,960
Speaker 1: at ten someplace that means you're one here and that's okay,

1149
00:54:08,080 --> 00:54:10,319
Speaker 1: and then you're one, you know, in that same place

1150
00:54:10,360 --> 00:54:12,239
Speaker 1: for you where you were ten, and now you're you're

1151
00:54:12,280 --> 00:54:15,520
Speaker 1: a five someplace else. And so just learning that all

1152
00:54:15,640 --> 00:54:18,600
Speaker 1: things don't have to happen at the same time that,

1153
00:54:19,400 --> 00:54:21,720
Speaker 1: you know, because it just makes you crazy. And honestly,

1154
00:54:21,719 --> 00:54:23,359
Speaker 1: I've gotten so much better. Like when I was at

1155
00:54:23,400 --> 00:54:26,120
Speaker 1: your your wedding, you know, I didn't really do that much.

1156
00:54:26,120 --> 00:54:28,799
Speaker 1: Budget needs to work because I've gotten so much better,

1157
00:54:28,840 --> 00:54:33,120
Speaker 1: which I was terrible at at letting people do what

1158
00:54:33,160 --> 00:54:35,319
Speaker 1: I've hired them to do. I used to do everybody's job.

1159
00:54:35,360 --> 00:54:37,560
Speaker 1: I got it, I got it. Oh, I got it. Yeah,

1160
00:54:40,239 --> 00:54:40,480
Speaker 1: you know.

1161
00:54:40,960 --> 00:54:44,960
Speaker 2: So it's quicker by just do it exactly.

1162
00:54:45,200 --> 00:54:46,800
Speaker 1: You're right. I used to think that, like, I wouldn't

1163
00:54:46,800 --> 00:54:48,680
Speaker 1: do it like that. So I've learned to be like, well,

1164
00:54:48,719 --> 00:54:51,840
Speaker 1: if you wanted a certain way, show them. And so

1165
00:54:52,280 --> 00:54:55,680
Speaker 1: what I've gotten good at is I like Sierra was

1166
00:54:55,719 --> 00:54:57,600
Speaker 1: like the best hire that I could have ever gotten

1167
00:54:57,640 --> 00:55:01,680
Speaker 1: because hiring her, She's hired other people who were equally

1168
00:55:01,719 --> 00:55:05,799
Speaker 1: as amazing, and so they're actually better than me at

1169
00:55:05,840 --> 00:55:08,080
Speaker 1: the thing that you know that I brought them on for.

1170
00:55:08,480 --> 00:55:10,480
Speaker 1: And so it allows me to relax, Like, Tippy, you

1171
00:55:10,480 --> 00:55:13,279
Speaker 1: don't have to worry about customer support anymore. Stop doing

1172
00:55:13,320 --> 00:55:15,760
Speaker 1: your I don't do my emails as much anymore because

1173
00:55:15,760 --> 00:55:17,320
Speaker 1: you know, I'll never make it to a brown and

1174
00:55:17,360 --> 00:55:18,560
Speaker 1: Bits and taping if it wasn't for.

1175
00:55:19,680 --> 00:55:22,680
Speaker 2: You, though, I'm like, m Tiffany wouldn't respond so politely.

1176
00:55:24,680 --> 00:55:27,640
Speaker 2: I can totally tell Siya. I'm like, hey, whoever you

1177
00:55:27,719 --> 00:55:28,759
Speaker 2: are things.

1178
00:55:30,320 --> 00:55:32,600
Speaker 1: Exactly because girl, I'll be like wait, I'm just tak

1179
00:55:33,080 --> 00:55:36,400
Speaker 1: you know, And so I have folks like knowing that

1180
00:55:36,600 --> 00:55:39,000
Speaker 1: like I could enjoy, Like I honestly could say I

1181
00:55:39,120 --> 00:55:42,080
Speaker 1: enjoyed Savannah and I checked in a little bit, but

1182
00:55:42,280 --> 00:55:45,640
Speaker 1: everything ran like a well oiled machine. They didn't need me.

1183
00:55:46,160 --> 00:55:48,839
Speaker 1: You know. I'm more and more I'm getting good at

1184
00:55:48,920 --> 00:55:51,160
Speaker 1: just doing tiffany tasks, like Okay, I'm the one who

1185
00:55:51,160 --> 00:55:52,920
Speaker 1: has to speak, you know, I'm the one who has

1186
00:55:52,920 --> 00:55:55,680
Speaker 1: to prepare the presentation. But I don't have to answer

1187
00:55:55,960 --> 00:55:58,239
Speaker 1: emails about like hey are you free on Tuesday? No,

1188
00:55:58,840 --> 00:56:01,360
Speaker 1: let let Michelle. I'll do that. I don't have to

1189
00:56:01,400 --> 00:56:03,799
Speaker 1: manage all the staff. No, that's what Sierra is for.

1190
00:56:04,000 --> 00:56:05,920
Speaker 1: I don't do the marketing piece, but but we all

1191
00:56:05,920 --> 00:56:07,879
Speaker 1: get together. Like today, I had like one on one

1192
00:56:07,880 --> 00:56:10,120
Speaker 1: calls with all the staff just to check in on them.

1193
00:56:10,280 --> 00:56:12,239
Speaker 1: So it's not like I'm just like leaving it like

1194
00:56:12,320 --> 00:56:14,960
Speaker 1: flapping in the wind. No, We're constantly in communication. But

1195
00:56:15,239 --> 00:56:18,560
Speaker 1: I've learned to part of my balance is to learn

1196
00:56:18,600 --> 00:56:20,560
Speaker 1: and let other people do what I hire them for.

1197
00:56:21,239 --> 00:56:24,120
Speaker 2: That's something that we've touched on in couple's therapy. Actually,

1198
00:56:24,160 --> 00:56:27,359
Speaker 2: I mentioned that we did like some premarital counseling. And

1199
00:56:27,440 --> 00:56:28,759
Speaker 2: by the way, I got a little text from my

1200
00:56:28,800 --> 00:56:31,440
Speaker 2: counselors saying congratulations on the wedding. That was really surreal

1201
00:56:31,480 --> 00:56:35,560
Speaker 2: for me. But yeah, honestly, I got in this really

1202
00:56:35,600 --> 00:56:39,000
Speaker 2: bad habit of being like, well, I have to do everything.

1203
00:56:39,080 --> 00:56:40,279
Speaker 2: I have to do everything, I have to do this,

1204
00:56:40,320 --> 00:56:41,960
Speaker 2: I have to do that. I'm responsible for this and

1205
00:56:42,000 --> 00:56:45,360
Speaker 2: this and that. And you know, I was sitting across

1206
00:56:45,400 --> 00:56:48,719
Speaker 2: from my you know, Enrique now my husband, and this

1207
00:56:48,840 --> 00:56:50,960
Speaker 2: therapist and they were like, wait a second, who said

1208
00:56:51,000 --> 00:56:54,400
Speaker 2: you have to do everything? Have you thought about asking

1209
00:56:54,960 --> 00:56:58,040
Speaker 2: you know, your partner for help or letting him know

1210
00:56:58,239 --> 00:57:00,399
Speaker 2: when you need something. And I'm like, well, he would

1211
00:57:00,440 --> 00:57:02,600
Speaker 2: just take too long or he doesn't know how to

1212
00:57:02,640 --> 00:57:05,239
Speaker 2: do this or blah blah blah. And I am I

1213
00:57:05,320 --> 00:57:07,879
Speaker 2: hurting myself, but I'm hurting him. It's like a lack

1214
00:57:07,920 --> 00:57:11,759
Speaker 2: of trust, a lack of well trust, you know, and

1215
00:57:11,880 --> 00:57:14,760
Speaker 2: do trust someone, but it's like a lack of like faith.

1216
00:57:14,840 --> 00:57:16,960
Speaker 2: And yes, maybe if I just let if I he

1217
00:57:17,000 --> 00:57:18,840
Speaker 2: won't cook the chicken perfectly and it might be a

1218
00:57:18,840 --> 00:57:22,920
Speaker 2: little crunchy and like the you know, the broccoli maybe

1219
00:57:23,000 --> 00:57:24,600
Speaker 2: not cooked all the way through. If I let him

1220
00:57:24,640 --> 00:57:27,080
Speaker 2: cook dinner tonight, but like, jeez, if I could save

1221
00:57:27,120 --> 00:57:29,920
Speaker 2: half an hour and eat some crunchy hard broccoli, like

1222
00:57:30,000 --> 00:57:34,080
Speaker 2: that's okay. He feels good because he's helped and I have,

1223
00:57:34,520 --> 00:57:36,680
Speaker 2: you know, have forty five minutes to take a podcast,

1224
00:57:36,720 --> 00:57:37,200
Speaker 2: you know what I.

1225
00:57:37,080 --> 00:57:41,640
Speaker 1: Mean, and we're so good, like, oh, I got it, Okay,

1226
00:57:41,640 --> 00:57:43,880
Speaker 1: I'll do it. And I'm like, you know, before you

1227
00:57:43,920 --> 00:57:46,880
Speaker 1: got here, I'll actually brush my teeth and like took

1228
00:57:46,920 --> 00:57:52,280
Speaker 1: baths on my you know, like I'm able. I don't

1229
00:57:52,280 --> 00:57:54,200
Speaker 1: know why I wouldn't think that they can't do anything.

1230
00:57:54,200 --> 00:57:55,840
Speaker 1: They're like, you know, before I got here, you know,

1231
00:57:55,880 --> 00:57:57,360
Speaker 1: I actually put on my clothes and tied.

1232
00:57:57,280 --> 00:57:59,480
Speaker 2: My own that's hard to believe. Today, I set out

1233
00:57:59,520 --> 00:58:01,440
Speaker 2: a fresh brush for him. I'm like, I set you

1234
00:58:01,440 --> 00:58:02,880
Speaker 2: a tooth and I was like, wait a second, who

1235
00:58:02,920 --> 00:58:06,160
Speaker 2: am I? He can find his own damn toothbrush. I'm like,

1236
00:58:06,200 --> 00:58:08,640
Speaker 2: do you really think he's not going to find a toothbrush? Well,

1237
00:58:08,680 --> 00:58:12,520
Speaker 2: I don't know, like you, I have to check even now.

1238
00:58:12,520 --> 00:58:14,520
Speaker 2: I'm not to check in with myself when I'm being

1239
00:58:14,520 --> 00:58:17,680
Speaker 2: a control freak. And I haven't mentioned the MVPs of

1240
00:58:17,720 --> 00:58:19,920
Speaker 2: the wedding. You know it wasn't just me, my sister,

1241
00:58:20,160 --> 00:58:24,320
Speaker 2: God bless her was everything. And my mother at the last,

1242
00:58:24,360 --> 00:58:26,480
Speaker 2: you know, the last month, my mother was like, Mandy, Hi,

1243
00:58:26,640 --> 00:58:28,480
Speaker 2: I'm your mom. Why haven't you asked me to do anything?

1244
00:58:28,520 --> 00:58:31,960
Speaker 2: I don't understand. And she's retired and I'm like, I

1245
00:58:31,960 --> 00:58:33,720
Speaker 2: don't know. I thought you were busy. She's like doing

1246
00:58:33,720 --> 00:58:38,200
Speaker 2: what I'm retired. She's dying for me to ask her

1247
00:58:38,240 --> 00:58:40,520
Speaker 2: to help her ask yeah, and on.

1248
00:58:40,720 --> 00:58:42,760
Speaker 1: The biggest day of her life, like weddings for your

1249
00:58:42,800 --> 00:58:44,800
Speaker 1: daughter are like the biggest day like this, I've been

1250
00:58:44,840 --> 00:58:45,760
Speaker 1: waiting my whole life for this.

1251
00:58:46,360 --> 00:58:48,520
Speaker 2: I would love nothing more than to go to hobby

1252
00:58:48,560 --> 00:58:51,040
Speaker 2: lobby and pick out thirty nine floating candles for you,

1253
00:58:51,080 --> 00:58:54,960
Speaker 2: because we need those. And the minute I started asking

1254
00:58:55,000 --> 00:58:57,560
Speaker 2: for help with the wedding and just gave people trusted

1255
00:58:57,680 --> 00:59:00,360
Speaker 2: and especially the day of when you really just need

1256
00:59:00,400 --> 00:59:02,680
Speaker 2: to focus on getting your head right, like my girls.

1257
00:59:02,920 --> 00:59:06,400
Speaker 2: My family really gave me that space. And so it's

1258
00:59:06,520 --> 00:59:09,200
Speaker 2: it's just a combination of things and your support team.

1259
00:59:09,320 --> 00:59:13,040
Speaker 2: I would say, I in my twenties, I really prioritized

1260
00:59:13,160 --> 00:59:17,919
Speaker 2: relationships and my career and I'm really grateful because I've

1261
00:59:17,960 --> 00:59:21,240
Speaker 2: built up these great friendships and the kind of friendships

1262
00:59:21,280 --> 00:59:24,240
Speaker 2: where when things do get out of balance, when work

1263
00:59:24,320 --> 00:59:26,680
Speaker 2: is taking over, or I may have a family, want

1264
00:59:26,720 --> 00:59:28,200
Speaker 2: to have kids, I'm not going to have to look

1265
00:59:28,200 --> 00:59:30,960
Speaker 2: around and feel alone. I'm not going to feel like

1266
00:59:31,000 --> 00:59:33,560
Speaker 2: there's not going to be anyone waiting for me or

1267
00:59:33,600 --> 00:59:35,280
Speaker 2: worrying about me, or wanting to be around me and

1268
00:59:35,320 --> 00:59:37,520
Speaker 2: hang out with me when I come up for air

1269
00:59:37,560 --> 00:59:40,240
Speaker 2: from this, because I've taken the time to build those

1270
00:59:40,280 --> 00:59:44,000
Speaker 2: relationships and I've and those were you know, and that's

1271
00:59:44,000 --> 00:59:45,840
Speaker 2: why I was so emotional off the wedding. Is after

1272
00:59:45,840 --> 00:59:47,880
Speaker 2: the wedding is just feeling all that love and that

1273
00:59:47,920 --> 00:59:50,800
Speaker 2: those you know, those friendships that we've I've been blessed with,

1274
00:59:51,560 --> 00:59:53,760
Speaker 2: but that took work, and I think it's worth it.

1275
00:59:53,840 --> 00:59:56,280
Speaker 2: I think it's worth it to spend time and make

1276
00:59:56,320 --> 01:00:00,520
Speaker 2: things happen with your friends and build that foundation. And

1277
01:00:00,560 --> 01:00:03,200
Speaker 2: that just is you know, it's just icing on everything

1278
01:00:03,200 --> 01:00:06,360
Speaker 2: else that makes me happier and and and so I

1279
01:00:06,360 --> 01:00:09,440
Speaker 2: wouldn't I definitely wouldn't discount the friendship side of things.

1280
01:00:09,520 --> 01:00:10,960
Speaker 2: A lot A lot of times we focus a lot

1281
01:00:10,960 --> 01:00:13,600
Speaker 2: on the romantic, like you know, build you know, get

1282
01:00:13,640 --> 01:00:16,120
Speaker 2: a boot, get married, you want that, you want kids,

1283
01:00:16,120 --> 01:00:19,200
Speaker 2: but like friendships, man, I mean I wouldn't be anywhere

1284
01:00:19,200 --> 01:00:23,280
Speaker 2: without my friends, and and I encourage anyone out there, women,

1285
01:00:23,360 --> 01:00:26,760
Speaker 2: men to cultivate those relationships so that you're not putting

1286
01:00:27,480 --> 01:00:29,720
Speaker 2: you know, you're not depending on just that one person

1287
01:00:30,800 --> 01:00:35,800
Speaker 2: or child for you know, your your relationship, your fulfillment

1288
01:00:35,800 --> 01:00:36,240
Speaker 2: in that way.

1289
01:00:38,320 --> 01:00:43,440
Speaker 1: Hmmm. No, I mean so much knowledge today.

1290
01:00:43,600 --> 01:00:45,400
Speaker 2: This is what you get when you ask us questions.

1291
01:00:45,440 --> 01:00:47,840
Speaker 2: Just like, where do we even start from? How we ended?

1292
01:00:48,280 --> 01:00:50,040
Speaker 2: This has been really fun though. I'm glad we took

1293
01:00:50,080 --> 01:00:51,800
Speaker 2: some time answer some questions.

1294
01:00:52,280 --> 01:00:55,240
Speaker 1: Do it again? No, I like that. I feel like

1295
01:00:55,280 --> 01:00:56,680
Speaker 1: we have to have a lot of a lot of

1296
01:00:56,760 --> 01:00:59,520
Speaker 1: DC and Q because the questions are really insightful. And

1297
01:00:59,680 --> 01:01:01,959
Speaker 1: we're happy that you guys want to ask the stuff

1298
01:01:01,960 --> 01:01:03,560
Speaker 1: because you know, who are we.

1299
01:01:05,680 --> 01:01:11,520
Speaker 2: An ambition brown ambition, right, So this will be the

1300
01:01:11,760 --> 01:01:14,320
Speaker 2: this will be Yeah, I guess this is it. I'm

1301
01:01:14,360 --> 01:01:16,800
Speaker 2: honeymooning on Friday.

1302
01:01:17,160 --> 01:01:20,080
Speaker 1: I know that's so crazy. It's so crazy to think,

1303
01:01:20,160 --> 01:01:22,960
Speaker 1: like it's gonna take me a while to like realize

1304
01:01:22,960 --> 01:01:25,040
Speaker 1: that you're married. Like that's like when people have kids

1305
01:01:25,040 --> 01:01:26,840
Speaker 1: for the first time. I remember when I finally hit

1306
01:01:26,880 --> 01:01:30,720
Speaker 1: me that my best friend Drina had a son. Like meanwhile,

1307
01:01:30,720 --> 01:01:32,080
Speaker 1: by then he was like one and he was in

1308
01:01:32,120 --> 01:01:35,480
Speaker 1: her stroller and like mama, and I was like, yo,

1309
01:01:35,880 --> 01:01:37,800
Speaker 1: that's your son. She suppsed to be like what are

1310
01:01:37,800 --> 01:01:40,360
Speaker 1: you talking about. I'm like all this time, you know,

1311
01:01:40,400 --> 01:01:42,240
Speaker 1: I've been treating it like there's there's this kid she

1312
01:01:42,240 --> 01:01:44,760
Speaker 1: always brings with her like but like no, like that

1313
01:01:44,920 --> 01:01:47,800
Speaker 1: is that is the fruit of your loins. Like I

1314
01:01:47,840 --> 01:01:50,400
Speaker 1: was like, oh my god, that is her son. It

1315
01:01:50,480 --> 01:01:52,120
Speaker 1: just takes a minute. Like when I see my sister

1316
01:01:52,200 --> 01:01:53,720
Speaker 1: with her two kids two.

1317
01:01:53,640 --> 01:01:56,680
Speaker 2: Kids now two kids, man, I.

1318
01:01:56,760 --> 01:01:59,680
Speaker 1: Know, yo, that is insane, but it's so cute to

1319
01:01:59,720 --> 01:02:01,200
Speaker 1: see this together because her son is one and a

1320
01:02:01,280 --> 01:02:04,640
Speaker 1: half and like he's the loud one and the baby

1321
01:02:04,760 --> 01:02:08,320
Speaker 1: she's a girl. She's the quiet one. And he because

1322
01:02:08,360 --> 01:02:10,640
Speaker 1: he's always so loud, they're always teaching him should be

1323
01:02:10,680 --> 01:02:13,440
Speaker 1: quiet around the baby and whispering. So he thinks that

1324
01:02:13,480 --> 01:02:14,959
Speaker 1: the only way I guess to talk to the baby

1325
01:02:15,040 --> 01:02:17,200
Speaker 1: is whispering. But he doesn't speak yet because he's only

1326
01:02:17,240 --> 01:02:19,200
Speaker 1: one and a half, and so whenever he peaks, the

1327
01:02:19,280 --> 01:02:26,920
Speaker 1: grip he goes. And it's so cute, like you could

1328
01:02:26,920 --> 01:02:28,960
Speaker 1: tell he's trying to figure out what exactly she is

1329
01:02:29,360 --> 01:02:31,600
Speaker 1: so like, you know, because it's like, wait, she doesn't

1330
01:02:31,600 --> 01:02:33,960
Speaker 1: look like me because I'm big, but she doesn't look

1331
01:02:34,000 --> 01:02:36,760
Speaker 1: like my mom and so. But he'll look at her

1332
01:02:36,800 --> 01:02:39,000
Speaker 1: hands and her feet and be like, wait, these things

1333
01:02:39,040 --> 01:02:41,240
Speaker 1: look familiar, like I have hands to be So he'll

1334
01:02:41,280 --> 01:02:45,760
Speaker 1: cuss it and saying wow, wow, it is so cute.

1335
01:02:45,880 --> 01:02:48,120
Speaker 1: It's like now I'm like, I'm like, I want a baby.

1336
01:02:48,480 --> 01:02:49,800
Speaker 2: All the ovaries are lit.

1337
01:02:50,720 --> 01:02:52,960
Speaker 1: Yeah, it's a lit until he starts screaming at crazy

1338
01:02:52,960 --> 01:02:53,600
Speaker 1: and I'm like I'm out.

1339
01:02:56,560 --> 01:03:00,720
Speaker 2: Yeah, it is like life, man, life. I feel I

1340
01:03:00,720 --> 01:03:04,400
Speaker 2: don't feel different, but I definitely feel there was something

1341
01:03:04,440 --> 01:03:07,880
Speaker 2: I you know, I something did definitely shift with the

1342
01:03:07,880 --> 01:03:11,800
Speaker 2: wedding where and afterward where I definitely feel like God,

1343
01:03:11,800 --> 01:03:13,439
Speaker 2: I have a lot to be grateful for and life

1344
01:03:13,480 --> 01:03:15,520
Speaker 2: is good for the you know, and you know, and

1345
01:03:15,560 --> 01:03:17,280
Speaker 2: it hasn't been that way all the time or like

1346
01:03:17,280 --> 01:03:19,160
Speaker 2: in a while, but I definitely feel a sense of

1347
01:03:19,200 --> 01:03:25,640
Speaker 2: like gravity and gratitude just for everything, you know, just yeah,

1348
01:03:25,760 --> 01:03:27,600
Speaker 2: just for everything. And I feel a lot And in

1349
01:03:27,640 --> 01:03:30,880
Speaker 2: that way, I feel like a little bit older that

1350
01:03:31,120 --> 01:03:32,960
Speaker 2: I feel more as I say, you get older and

1351
01:03:33,000 --> 01:03:35,680
Speaker 2: you feel more like love and self love and self

1352
01:03:35,760 --> 01:03:38,280
Speaker 2: and self appreciation and that I can definitely feel those

1353
01:03:38,320 --> 01:03:41,680
Speaker 2: like blocks shifting into place and it feels pretty damn good.

1354
01:03:41,880 --> 01:03:44,000
Speaker 2: But I will not rest until I write that book.

1355
01:03:44,040 --> 01:03:47,160
Speaker 2: That is my goal. Good let me you know. If

1356
01:03:47,160 --> 01:03:48,640
Speaker 2: you don't hear from me, and if you don't hear me,

1357
01:03:48,640 --> 01:03:51,880
Speaker 2: mention it in a while, be like Mandy, where's that book?

1358
01:03:51,920 --> 01:03:57,320
Speaker 2: At thought bit that? But yeah, so but until then, honeymoon, honeymoon,

1359
01:03:57,360 --> 01:03:59,840
Speaker 2: first book. Later, maybe I'll write on the honeymoon. Who knows.

1360
01:04:00,000 --> 01:04:04,640
Speaker 2: Maybe I'll eat cheese all day in Italy. But by

1361
01:04:04,640 --> 01:04:07,160
Speaker 2: the time you guys hear this episode, I will be gone.

1362
01:04:07,280 --> 01:04:09,080
Speaker 2: So wish me blown viage.

1363
01:04:11,080 --> 01:04:14,240
Speaker 1: Oh oh yash, so have an awesome, awesome trip and

1364
01:04:14,560 --> 01:04:16,000
Speaker 1: I will speak with you soon.

1365
01:04:17,600 --> 01:04:22,000
Speaker 2: Okay, I can't even go that high. I cannot, I

1366
01:04:22,040 --> 01:04:22,520
Speaker 2: cannot