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Speaker 1: It's time for the b a q a A. The

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Speaker 1: b a q a what you say, the big a

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Speaker 1: q a man day, the b a q eight what today?

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Speaker 1: It's the b a q a Brianna Bison question of answers.

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Speaker 1: You have questions, We have answers that are to be

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Speaker 1: taken with a.

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Speaker 2: Grain of get yourself. She goes, right, we're.

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Speaker 1: Not your financial advisor, we're not your attorney, we're not

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Speaker 1: your well we are your financial besties. Let's get into it.

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Speaker 1: But yeah, no, we really you know, basically sue your grandma,

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Speaker 1: not us. So you know here what we have to say.

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Speaker 1: But then leading to the professionals that you pay for

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Speaker 1: this type of advice for. Okay, so let's get started, Manajoe,

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Speaker 1: what's our first question?

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Speaker 2: Our first question? Want to do the anonymous one first, some

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Speaker 2: mysterious let's give her name? Yeah, let's give her.

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Speaker 1: How about Gertrude.

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Speaker 2: Of all the names? Okay, Gertrude, I don't even know

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Speaker 2: how Trudy? How about Trudy?

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Speaker 1: Yeah?

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Speaker 2: True, Okay, there we go. All right, Trudy says, hey, hey, ladies,

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Speaker 2: I love the podcast and love to remain anonymous. Okay, Truty,

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Speaker 2: we got you. My question is how much money do

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Speaker 2: you think is realistic for a twenty five year old

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Speaker 2: single mom of one who makes around sixty thousand dollars

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Speaker 2: a year to save. I've got about twenty three hundred

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Speaker 2: dollars in bills and part of that is covered by

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Speaker 2: the eleven thousand or sorry, eleven thousand, like deck, who's

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Speaker 2: your baby dead? Anyway? Uh? The one thousand, one hundred

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Speaker 2: and fifty dollars I get a month in child support,

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Speaker 2: So twenty three hundred dollars in bills and like about

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Speaker 2: half of that is covered by child support. Okay. I

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Speaker 2: do plan to get a new job this year to

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Speaker 2: hopefully boost my salary by a minimum of fifteen k

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Speaker 2: after listening to the advice on you All's podcast. But

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Speaker 2: I do really want to set a realistic savings goal,

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Speaker 2: savings goal to set up for me and my kiddo.

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Speaker 2: I haven't had any examples in my family if anyone

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Speaker 2: ever said saving, let alone for retirement, future college, et cetera.

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Speaker 2: And I want to do better because I know better,

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Speaker 2: I just don't know where to start. Please help. I

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Speaker 2: want something realistic and feasible because I do enjoy being

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Speaker 2: able to spend on things me and my kid enjoy

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Speaker 2: all right, Trudy should.

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Speaker 1: Say you know, actually had a friend in high school.

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Speaker 1: Her name was Trudy and it wasn't until like graduation

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Speaker 1: when they said her name Gertrude. We were like, gtruth,

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Speaker 1: we did, that was her name. Sorry to you, Trudy.

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Speaker 1: I feel like gird truths are just born old. I'm like,

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Speaker 1: are you just a grandmother? I mean, how do you

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Speaker 1: how do you look at a little ladies said we

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Speaker 1: were gonna name this birth baby?

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Speaker 2: Got true? Every Gertrude listening right now, I.

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Speaker 1: Know, Sorryruths.

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Speaker 2: Well, the lady names are back in style though, Eleanor's

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Speaker 2: and all that, you know. But Trudy girl, So I

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Speaker 2: was just quickly doing a little mathematicals. I was just

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Speaker 2: about to slay. Okay, So I just did like six

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Speaker 2: sixty three thousand divided by twenty six to see what

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Speaker 2: you're working with, like on a by bi weekly basis.

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Speaker 2: So that's about twenty four hundred dollars that's gross twice

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Speaker 2: a month, yeah, gross before taxes all that, so times

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Speaker 2: two that would be so she's working with like forty

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Speaker 2: eight hundred pre tax so let's call one thousand ish. Yeah,

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Speaker 2: four thousand ish. I was trying to remember what the

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Speaker 2: tax bracket was for six under whatever her income is.

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Speaker 2: It can't be thirty DAGM no eleven. I'm curious, what

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Speaker 2: is the tax bracket? Google answer me, show me the

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Speaker 2: power um incomes. She should be like max twenty twenty

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Speaker 2: two percent. Okay, so yeah, something like that, like about

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Speaker 2: four thousand and her bills, so that leaves her with

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Speaker 2: about so Trudy, this math is what you should be doing,

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Speaker 2: Like what's your take home pay? Because you know what

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Speaker 2: your taxes are. You subtracted your bills from that twenty

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Speaker 2: three hundred dollars. We're gonna guesstimate your left with like

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Speaker 2: between fifteen hundred to two thousand, and then that thank

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Speaker 2: here is.

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Speaker 1: Eight forty. But she does get eleven fifty in child support,

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Speaker 1: and child support is not text. So if we add

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Speaker 1: the four thousand plus eleven fifty, what is that fifty

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Speaker 1: one to fifty fifty one fifty minus twenty three hundred

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Speaker 1: minus eight forty Where are we at?

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Speaker 2: Oh I thought you were doing that. You sound like

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Speaker 2: you're shit minus minus eight forty minus twenty three hundred.

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Speaker 2: Get right on that. Tivity twenty ten dollars.

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Speaker 1: Okay, so that's a good amount of money left over.

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Speaker 1: But I mean, I'm assuming those are just bills, you know.

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Speaker 1: I'm sure you have like other things. You got groceries

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Speaker 1: and things like that.

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Speaker 2: Gas.

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Speaker 1: So from that two thousand, what was it, two.

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Speaker 2: Thousand, twenty ten dollars twenty.

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Speaker 1: I wouldn't be mad at saving five hundred bucks a month.

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Speaker 2: Well how do you start? Because she's like, where do

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Speaker 2: I feel her? On? Like, where does she start? Would

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Speaker 2: that be like cash in the bank?

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Speaker 1: Or I would start with what I call the budget

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Speaker 1: without budgeting, I would say, once I did the math mathematics,

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Speaker 1: you know what I mean, and I got this number,

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Speaker 1: I would say, I'm going to go to HR and

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Speaker 1: then I'm gonna say, hey, HR, or you look real

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Speaker 1: cute today. Could you, instead of dropping all of my

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Speaker 1: take home pay into this checking account, could you split

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Speaker 1: it before I get it and put some here and

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Speaker 1: put five hundred dollars into this online only saves account,

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Speaker 1: you know, the highest deal that you can find. You

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Speaker 1: can go to like a website magnified money dot com

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Speaker 1: to find like a savings account and then put that

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Speaker 1: other five hundred dollars there. And because of the purpose.

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Speaker 1: To me, there's a few purposes of saving. You save

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Speaker 1: for security, so you want to get your you know,

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Speaker 1: your emergency savings game up three to six months. You

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Speaker 1: have a kid, so probably might am will probably be

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Speaker 1: like six months. And then you save for big purchases

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Speaker 1: so you know, you want to put a down payment

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Speaker 1: on a car or a house or whatever. And then

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Speaker 1: you save for pre investing for wealth, you know, so truy. First,

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Speaker 1: I would ask you, are you setting aside for retirement

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Speaker 1: through your job? You know, so if you have this

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Speaker 1: excess money left over, if you're not setting aside or

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Speaker 1: you're not setting aside you know, whatever the max is,

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Speaker 1: whether it's through your job or maybe you have a

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Speaker 1: raw fire ray, whatever your retirement account is, are you

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Speaker 1: maxing it out if you have excess money left over,

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Speaker 1: because I probably would work toward that as well as

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Speaker 1: putting aside for savings. If you're like, yes, I'm I'm

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Speaker 1: setting aside for retirement. Great, because you're twenty five, super

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Speaker 1: younger and snatched. I'm sure right, so that's great. And

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Speaker 1: then I would say, okay, I would look at my

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Speaker 1: numbers and say I can comfortably say like I said,

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Speaker 1: like I wouldn't be mad at five hundred dollars, so

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Speaker 1: basically like a quarter of what's left over in the pot.

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Speaker 1: But I wouldn't do the work myself. I would have

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Speaker 1: hr if if they let you split before you get

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Speaker 1: and many people do, even small like even my company.

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Speaker 1: We're not a big old company, and we have the

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Speaker 1: capability of doing that. So I put my money into

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Speaker 1: my online owning savings account and then I would decide

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Speaker 1: from there, like, Okay, after I get to the place

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Speaker 1: where I have my three to six months, is there

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Speaker 1: maybe you want to also simultaneously save firm to purchase something.

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Speaker 1: But once I max out, like I'm max and I

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Speaker 1: think Mandy has shared too that she's maxed out for

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Speaker 1: her emergency savings, and then I would roll over. So

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Speaker 1: any excess money that comes to my life now my

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Speaker 1: emergency account is fully funded. I'm not trying to buy

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Speaker 1: anything anything right now, So any money that would normally

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Speaker 1: go to my savings for savings sake goes to now

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Speaker 1: like my pre savings to invest. So I put it

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Speaker 1: into a pot. My financial advisor, I'll message her and say, hey, Angelie,

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Speaker 1: you know I've got some money into the end that

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Speaker 1: savings account, you know, when you get a chance to

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Speaker 1: keep pull it out and she will slowly start to

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Speaker 1: integrate it into my other and my other into the

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Speaker 1: market via my investments. So that's what it kind of

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Speaker 1: looks like for me. And so you can start that,

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Speaker 1: but start with, am I maxing out my retirement account?

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Speaker 1: Do I have emergency savings? Is there something I want

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Speaker 1: to purchase you know, you know, for the baby or

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Speaker 1: whatever or something major? And then pre savings for pre

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Speaker 1: investing savings.

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Speaker 2: So that's that's what you say, max out your four

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Speaker 2: to one K, Like for you feel like for so

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Speaker 2: many people, especially when you're earning sixty three thousand, like

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Speaker 2: that's a lot of money. Like what is it twenty

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Speaker 2: two thousand to max out your four to one K?

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Speaker 2: I feel like if that's overwhelming or sounds overwhelming, I

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Speaker 2: mean that would be like a quarter of her pre

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Speaker 2: tax pay I feel like setting the bar super low,

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Speaker 2: Like could you like set up a direct like if

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Speaker 2: you have your five hundred dollars earmarked for your cash

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Speaker 2: savings while you're building that up, like just doing something

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Speaker 2: simple like five percent of my salary, you know, automated

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Speaker 2: through HR going toward retirement and not worry so much

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Speaker 2: about like how what that dollar amount is because you

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Speaker 2: are so young. I feel like when I was your.

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Speaker 1: Age, oh.

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Speaker 2: Oh my god, when I was your age, I started

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Speaker 2: doing the same thing I was making about what you're making.

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Speaker 2: Actually I was like making fifty five or sixty thousand dollars,

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Speaker 2: and that's how I started. I was just like, you know,

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Speaker 2: take this five percent. It was what I felt comfortable doing.

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Speaker 2: And then see how that feels, you know, not having

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Speaker 2: that five percent. I didn't. Did I get a match

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Speaker 2: at that point? I think I might have gotten a

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Speaker 2: little match which helped. But even if you do or don't,

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Speaker 2: like I feel like starting with five percent, And for me,

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Speaker 2: what was so powerful is that I never didn't save

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Speaker 2: a retirement after that. Like as I went to different jobs,

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Speaker 2: I just had it in my mind, I'm going to

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Speaker 2: do five percent. And then when I got comfortable, I

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Speaker 2: was like, okay, ten percent. And as you said, like

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Speaker 2: your next job, you can have been making fifteen k

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Speaker 2: more or you know, however much more, And as long

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Speaker 2: as you're still saving that percentage, it's always going to

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Speaker 2: go up, you know, because your income is going to

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Speaker 2: go up. So it's a really good habit. I feel

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Speaker 2: like to start early, but I can see why people

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Speaker 2: get like overwhelmed and instead of like, they'll hear Max

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Speaker 2: like your four one K and just be like, oh,

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Speaker 2: there's no way, I'll just try to be fair.

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Speaker 1: Sorry, I didn't mean like I meant when I was

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Speaker 1: thinking of Max, I meant that to me, the ideal

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Speaker 1: is to to get to ten percent, you know, not

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Speaker 1: the twenty thine, you know what I mean? Or I

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Speaker 1: was thinking that whatever her if she didn't have a

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Speaker 1: four one because I don't. If I don't have a

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Speaker 1: four to one K match, then I'm jumping straight to Wroth.

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Speaker 1: And which is six is what is it sixty five?

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Speaker 1: Is it six thousand or sixty five hundred?

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Speaker 2: Right now?

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Speaker 1: I think Wroth is around six thousand, you know. So

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Speaker 1: that's what I was thinking of that. I wasn't thinking

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Speaker 1: about like the the full full full. I was like, Okay,

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Speaker 1: if you can get to ten percent, that's what I

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Speaker 1: should have specified ten percent of your you know what

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Speaker 1: you're making into your four one K if they have

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Speaker 1: a match. I like to do this. I'm like, do

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Speaker 1: I have a four on one K? Yes? Do they

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Speaker 1: have a match? No? Let me max out my wrath.

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Speaker 1: Do I have a four O one K? Yes? Do

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Speaker 1: they max? Yeah? Do they match? Yes? Okay, let me

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Speaker 1: put my money up to the match. Like work toward

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Speaker 1: getting my money put up to the match and then

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Speaker 1: going to a raw IRA because there are tax benefits

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Speaker 1: for a regular you know, four to one K regular

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Speaker 1: retirement plan, which means that it lowers your tax burden

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Speaker 1: now and then later when you retire, you get taxed

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Speaker 1: on you know, the money you pull out, but then

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Speaker 1: the wrath allows you although it doesn't lower your tax

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Speaker 1: burden now, you get to pull that money out and

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Speaker 1: the growth tax free later, you know, because you pay

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Speaker 1: taxes ahead of time, and so like, I like to

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Speaker 1: have that mix. But if you're not getting a match,

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Speaker 1: I like to jump to the raw first and then

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Speaker 1: come on back to four one K and kind of

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Speaker 1: finish business there. But yeah, so hopefully we did not

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Speaker 1: totally confuse you.

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Speaker 2: If we did, I'm like, key, takeaway five hundred dollars

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Speaker 2: is a good goal, and then you can decide how

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Speaker 2: much of that because she didn't really share if she

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Speaker 2: had emergency savings, you know, if she does already, maybe

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Speaker 2: you just start beefing up your retirement. But you know

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Speaker 2: the point is just to start, and I feel like

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Speaker 2: my second, my my whatever number we're on. Like, biggest

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Speaker 2: tip when you're at that stage is your fragile like

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Speaker 2: it's it's you want to protect what you're building, So

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Speaker 2: debt is the enemy. As much as you can avoid

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Speaker 2: credit card debt and keeping your budget nice so that

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Speaker 2: you're not leaning on credit card debt, you'll your future

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Speaker 2: self will thank you so much because then the money

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Speaker 2: you're actually making will be yours. You know, it's true

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Speaker 2: wealth building, all right, Trudy girl, Congratulations, wait, congratulations on

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Speaker 2: what on having your answer your question? Answer with the

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Speaker 2: lowercase A, with your sprinkle of salt from us, thank

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Speaker 2: you so much for sending your question, and again shout

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Speaker 2: out to single moms. I have a special place in

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Speaker 2: my heart.

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Speaker 1: Real one.

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Speaker 2: Should we take a quick breaking break and come back

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Speaker 2: with question number two and bonus question?

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Speaker 1: We sure you should?

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Speaker 2: All right, see y'all back here.

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Speaker 1: And we're blacking back. So this is fuddy because this

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Speaker 1: question is from oldish and unsure. I love this because

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Speaker 1: first of all, oldest, you ain't oldest, only thirty nine

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Speaker 1: years overall, don't make me feel old I have a question.

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Speaker 1: My job not career she specified right, office of four

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Speaker 1: one K, but no employer match. Were just looking about

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Speaker 1: this and I have almost been there one year and

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Speaker 1: was automatically set up to deduct three percent for my

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Speaker 1: paycheck to go to the four one K.

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Speaker 2: Okay.

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Speaker 1: In my latest statement, glad you're looking at it, I

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Speaker 1: noticed each quarter I'm being charged administrative fees. How many

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Speaker 1: of y'all didn't realize that you get admin fees on

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Speaker 1: your former K. Really, any retirement investment account is typically

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Speaker 1: going to have some sort of fees yep hm, which

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Speaker 1: total twenty five dollars to one hundred dollars a year.

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Speaker 1: I'm thirty nine and have a wroth IRA and several

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Speaker 1: mutual funds established for my retirement. Should I continue to

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Speaker 1: invest the eighty three dollars per paycheck in my four

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Speaker 1: one K or should I automate that amount and then

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Speaker 1: some to a pre existing wrowth or mutual fund. Now,

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Speaker 1: like I said prior, oldest and I'm sure we're not

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Speaker 1: gonna call you older, We're gonna call you fabulous, but

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Speaker 1: unsure because you're thirty nine, says forty two. Don't do this,

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Speaker 1: sas don't do this, so unsure I really like employe man.

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Speaker 1: I don't really like four one k's or making four

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Speaker 1: one k's a priority if there's no match. So to

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Speaker 1: answer your question, I honestly, especially now that these you know,

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Speaker 1: you have these admin fees which is not gonna offset anything.

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Speaker 1: So you know you're if you're putting in let's just

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Speaker 1: say eighty three, you know what is that times Let's

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Speaker 1: do the math we're mathing today. Eighty three pre times

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Speaker 1: twelve is nine hundred ninety six. So basically one thousand

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Speaker 1: dollars a year's what you're putting in, and of the thousand,

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Speaker 1: they're taking ten percent in fees. So in order for

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Speaker 1: you to come up, you would you would have to

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Speaker 1: make more than ten percent on your investments. Right, because

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Speaker 1: you're putting in one thousand, you're losing one hundred one

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Speaker 1: hundred is ten percent of one thousand. That means your

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Speaker 1: money would have to grow beyond that loss in administration fees,

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Speaker 1: which the average the market has been averaging for the

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Speaker 1: last hundred years eight to ten percent, So you're gonna

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Speaker 1: end up like net even, right, So, like the money

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Speaker 1: you put in is literally the money you'll get out

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Speaker 1: it's looking like instead of a four one K plan,

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Speaker 1: you looking like you put money to savings gown. Not

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Speaker 1: even because savings accounts these days are at least giving

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Speaker 1: you one percent, Si says, says, So I would if

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Speaker 1: it's eighty.

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Speaker 2: Three dollars actually read her fine print, a girl, I'm so,

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Speaker 2: I'm proud of you.

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Speaker 1: Honestly, I'm unsure ish we gonna call you smart, smart,

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Speaker 1: but unsure that. Yes, I would redirect that eighty three

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Speaker 1: someplace els and I would not consider that four one

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Speaker 1: k again unless I had enough to offset the administrative fees.

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Speaker 1: So if I was putting in safe, you were putting

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Speaker 1: in four hundred bucks a month, you know, then the

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Speaker 1: administrative fees would be a smaller percentage of what you

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Speaker 1: put in, and it might make sense.

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Speaker 2: So yeah, this is exactly why I don't even love

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Speaker 2: like some investing apps because they have like a dollar

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Speaker 2: amount fee that they charge, which if you're like, if

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Speaker 2: you're investing your pocket change, that's a that's a big

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Speaker 2: like Tiffany said, when you break it down by the

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Speaker 2: fee divided by what you're actually investing, like, it's a

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Speaker 2: big it's a big amount of fees. So I can't

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Speaker 2: even think, but I would say, just like Tiffany said

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Speaker 2: earlier to our previous homos, said caller to our previous

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Speaker 2: listener about going to like Magnify money, but going and

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Speaker 2: doing your googles and research to find a brokerage account

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Speaker 2: and being realistic about how much you can contribute and

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Speaker 2: then see what kind of fees they have, because the

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Speaker 2: fee may be different depending on like how much you're

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Speaker 2: going to contribute a month. Each month, it might be

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Speaker 2: a little bit more if you're contributing less, and then

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Speaker 2: less if you're contributing more. It's twisted and rude of

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Speaker 2: them to do it that way, but that's how a

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Speaker 2: lot of them. It's how a bees sometimes. But that's

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Speaker 2: a really good question, thank you. What are we calling

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Speaker 2: her smart? But then sure, yes, smart, but I'm sure

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Speaker 2: savvy and unsure.

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Speaker 1: We have a really really really quick question. Yes, what

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Speaker 1: I do that one?

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Speaker 2: We on the same page. Yeah, let's get yesen Yeah,

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Speaker 2: I love this name from ig Yesenya says should I

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Speaker 2: max out my wroth IRA before investing in a brokerage account?

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Speaker 2: I'm not sure that I can do both right now.

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Speaker 1: It's about that time hit him Ama was here with this.

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Speaker 2: Yeah, I think that that's a good idea. I mean,

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Speaker 2: there's some benefits to a roth iray that you're not

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Speaker 2: going to get from traditional brokerage account. The main one is,

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Speaker 2: so when you're contributing to a wrath, you're using dot

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Speaker 2: You're using money that you've already paid taxes on and

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Speaker 2: you're putting it into a wrath. The limit is like

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Speaker 2: sixty five hundreds, depends on your age, it can be

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Speaker 2: a little bit more, but with a wroth iray it's

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Speaker 2: a little bit it's a lot more flexible than a

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Speaker 2: brokerage account. So the money that you put in because

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Speaker 2: you've already paid taxes on it. One of the big

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Speaker 2: benefits is that if and I'm not saying you should,

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Speaker 2: but if you needed to dip into your wroth ira

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Speaker 2: in the future, you'd be able to take out your

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Speaker 2: contribution without getting hit with like tax penalties and fees.

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Speaker 2: So that's one benefit that it has over a brokerage account.

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Speaker 2: And you know, the cap on a wroth ira being

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Speaker 2: like what it is now sixty five hundred to seven thousand,

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Speaker 2: you know, obviously not knowing how much you have to

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Speaker 2: put aside, but if you're able to yeah, hit that cap,

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Speaker 2: and then you can at least feel good like, Okay,

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Speaker 2: I've ticked this box, and you can take your whatever

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Speaker 2: proceeds you have left over and shift that into a

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Speaker 2: brokerage account. At that point, I think, like any other

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Speaker 2: benefits i've.

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Speaker 1: Yeah, Well, here's the thing I always say, like to me,

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Speaker 1: there's two, Like, there's two purposes of investing, investing for

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Speaker 1: retirement and investing for wealth. And I think that you

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Speaker 1: should prioritize always investing for retirement first because one day

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Speaker 1: your eighty year ol sself is gonna be like, oh wow,

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Speaker 1: so because of you, I'm eating you know, I'm fighting

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Speaker 1: these these these birds at the park for these for

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Speaker 1: these breadcrumbs. You know what I mean. Like, we don't

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Speaker 1: want to put our older self in a position to

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Speaker 1: have to work so hard because our younger self was like,

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Speaker 1: oh yikes, my bad. So because it's your younger self's

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Speaker 1: job to look after your older self. So you know,

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Speaker 1: I want you to prioritize investing for retirement first. Typically

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Speaker 1: when people put money in a brokerage account, they're investing

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Speaker 1: for wealth, which is what we want you to get to.

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Speaker 1: But that's after you've done the foundational work of investing

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Speaker 1: for retirement, and roth iray is retirement investing. That's the

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Speaker 1: purpose of it. And to Mandy's point, you put money

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Speaker 1: in after tax and you get to withdraw it later,

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Speaker 1: you know, tax free, because one you've gotten tax on

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Speaker 1: what you contribute already, but also the growth you get

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Speaker 1: to pull out tax free as well. So there's a

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Speaker 1: huge benefit to a WROTH. And there's an income max

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Speaker 1: so I think last time I checked it was like

401
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Speaker 1: one hundred and twenty five thousand dollars a year. If

402
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Speaker 1: you make more than that, although there's some ways around

403
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Speaker 1: it with like a backdoor WROTH and YadA YadA YadA,

404
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Speaker 1: you would sit down with your financial advisor for that.

405
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Speaker 1: But on the surface there's an income max of I

406
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Speaker 1: think it's one hundred and twenty five thousand at least

407
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Speaker 1: that's what it was like last year or the year before,

408
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Speaker 1: So you know you might over time start making more

409
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Speaker 1: than that, so you want to take advantage of that.

410
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Speaker 1: Why you can, So just in general for everyone, take

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Speaker 1: care of your retirement first. After you've taken care of that,

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Speaker 1: then start looking to invest for wealth. Retirement means you

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Speaker 1: get to take care of your older self. Investing for

414
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Speaker 1: wealth means you get you get to leave a legacy

415
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Speaker 1: and then increase your lifestyle. Now, but you, as a

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Speaker 1: younger person, younger than your older self, can wait on

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Speaker 1: the luxurious life, whereas your older self cannot wait on

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Speaker 1: basic accommodations and living. So take care of that old self.

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Speaker 2: Okay, dang, but I want nice things now.

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Speaker 1: I know you can have nice things, but you got

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Speaker 1: to make sure that. Like because I call my older

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Speaker 1: self Wanda, and I'm like, you gotta make sure Wanda

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Speaker 1: is good because Wanda is like, I know, Derek gone, well,

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Speaker 1: she and I have sushi again. So she eats sushi

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Speaker 1: and I eat baloney. Got it.

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Speaker 2: I'm going to think about myself fighting for breadcrumbs from

427
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Speaker 2: the pigeons and time. Rio is like, I want that

428
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Speaker 2: new tuck new talck.

429
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Speaker 1: Like do you want to pray for break croups at

430
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Speaker 1: the park?

431
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Speaker 2: They be like, what give me the truck? Lady here?

432
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Speaker 2: Make you look at bad mom from everybody? Oh my goodness.

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Speaker 1: So we hope you enjoyed the b a q A.

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00:21:18,840 --> 00:21:21,920
Speaker 1: If you have questions, we certainly will try our best

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00:21:21,960 --> 00:21:24,640
Speaker 1: to answer something. You can hit us up on Insta

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00:21:24,640 --> 00:21:26,360
Speaker 1: in the d ms or even just in the comments

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00:21:26,440 --> 00:21:30,720
Speaker 1: at we are Brand Ambition and pod is It pot

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00:21:30,720 --> 00:21:34,959
Speaker 1: of podcasts on podcast right, Branda Bichon podcasts on Insta,

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00:21:35,240 --> 00:21:39,200
Speaker 1: Full Good the b A the BA podcast on Twitter

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00:21:40,200 --> 00:21:43,600
Speaker 1: and we are Brandabision podcast dot com. You can click

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00:21:43,680 --> 00:21:46,240
Speaker 1: like an ask us to ask us anything button and

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00:21:46,280 --> 00:21:47,760
Speaker 1: we'll try our best to get to your questions. If

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00:21:47,800 --> 00:21:50,640
Speaker 1: you want to be remain remain anonymous, we we will

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00:21:50,640 --> 00:21:52,520
Speaker 1: allow it, but we prefer you give us a fun

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00:21:52,600 --> 00:21:53,600
Speaker 1: name to call you.

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00:21:53,800 --> 00:21:54,359
Speaker 2: Sparkling.

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00:21:55,160 --> 00:21:57,919
Speaker 1: Do you sad exactly? Because if you don't give us

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00:21:57,920 --> 00:21:59,160
Speaker 1: a name, I'm gonna give you a name.

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Speaker 2: It ain't go keep either.

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Speaker 1: Oh well, hopefully the baby will give you some peace.

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00:22:07,160 --> 00:22:09,840
Speaker 1: He's like, I don't want peace, I want problems.

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Speaker 2: I really didn't know if I was going to get

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Speaker 2: through today's show. So thank you Tiffany and everyone else

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00:22:13,840 --> 00:22:16,639
Speaker 2: for being very patient. And yeah, my nerves are shot

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Speaker 2: and it's all right. How many more hours still? Bedtime? Seven?

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Speaker 2: That's all I gotta hat gain there. See y'all next week,

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00:22:25,840 --> 00:22:27,920
Speaker 2: See y'all next week. Don't forget to check out Tiffany's

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00:22:27,960 --> 00:22:32,040
Speaker 2: new documentary Get Smart with Money September.

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00:22:31,600 --> 00:22:33,919
Speaker 1: Six, on Netflix yep, September six But you can go

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00:22:33,960 --> 00:22:36,199
Speaker 1: there now and polae press like notify me or like

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00:22:36,280 --> 00:22:38,480
Speaker 1: remind me or whatever the little button says, so you

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00:22:38,520 --> 00:22:40,440
Speaker 1: can get that email from Netflix to say it's out.

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00:22:40,440 --> 00:22:42,800
Speaker 2: It's out, it's out, and where can we get the

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00:22:42,800 --> 00:22:44,840
Speaker 2: deeds on your party? Where's that going to go?

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00:22:44,840 --> 00:22:46,439
Speaker 1: So I'm gonna be posting it. It'll be on all

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00:22:46,480 --> 00:22:48,280
Speaker 1: of my socials by now, it'll be out. So if

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00:22:48,280 --> 00:22:49,920
Speaker 1: you go to my social media page, you'll be able

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00:22:49,960 --> 00:22:53,040
Speaker 1: to see like there'll be a link. The party will

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00:22:53,080 --> 00:22:57,040
Speaker 1: be free. I'm trying to have a digital option, but

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Speaker 1: at the very least like it's going to be in Newark,

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00:22:58,960 --> 00:23:02,520
Speaker 1: New Jersey at NJPAS on September sixth. It will be

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00:23:02,560 --> 00:23:06,560
Speaker 1: free popcorns on me. We'll watch together, have a panel afterward.

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Speaker 1: It's gonna be good times.

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Speaker 2: Ah so fun. All right, congrats Tive Bye, We'll see

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00:23:11,800 --> 00:23:16,400
Speaker 2: you guys next week. Bye bye bye, Hey ba fan.

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00:23:16,520 --> 00:23:18,879
Speaker 2: We could not do this show without your support or

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00:23:18,920 --> 00:23:21,640
Speaker 2: the support of our team behind the scenes. The Brown

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00:23:21,640 --> 00:23:25,639
Speaker 2: Emission podcast is produced by Cumulus Podcast Network. It's edited

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00:23:25,680 --> 00:23:29,440
Speaker 2: by the wonderful Emani Crosby and produced by Tanya Bustos.

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00:23:29,800 --> 00:23:33,080
Speaker 2: Dennis Stimplinsky is our in house tech guru, and I

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00:23:33,119 --> 00:23:36,080
Speaker 2: am Bandy Woodrid Santos your co host, and I will

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00:23:36,080 --> 00:23:39,400
Speaker 2: see y'all next week