Speaker 1: It's time for the b a q a A. The
Speaker 1: b a q a what you say, the big a
Speaker 1: q a man day, the b a q eight what today?
Speaker 1: It's the b a q a Brianna Bison question of answers.
Speaker 1: You have questions, We have answers that are to be
Speaker 1: taken with a.
Speaker 2: Grain of get yourself. She goes, right, we're.
Speaker 1: Not your financial advisor, we're not your attorney, we're not
Speaker 1: your well we are your financial besties. Let's get into it.
Speaker 1: But yeah, no, we really you know, basically sue your grandma,
Speaker 1: not us. So you know here what we have to say.
Speaker 1: But then leading to the professionals that you pay for
Speaker 1: this type of advice for. Okay, so let's get started, Manajoe,
Speaker 1: what's our first question?
Speaker 2: Our first question? Want to do the anonymous one first, some
Speaker 2: mysterious let's give her name? Yeah, let's give her.
Speaker 1: How about Gertrude.
Speaker 2: Of all the names? Okay, Gertrude, I don't even know
Speaker 2: how Trudy? How about Trudy?
Speaker 1: Yeah?
Speaker 2: True, Okay, there we go. All right, Trudy says, hey, hey, ladies,
Speaker 2: I love the podcast and love to remain anonymous. Okay, Truty,
Speaker 2: we got you. My question is how much money do
Speaker 2: you think is realistic for a twenty five year old
Speaker 2: single mom of one who makes around sixty thousand dollars
Speaker 2: a year to save. I've got about twenty three hundred
Speaker 2: dollars in bills and part of that is covered by
Speaker 2: the eleven thousand or sorry, eleven thousand, like deck, who's
Speaker 2: your baby dead? Anyway? Uh? The one thousand, one hundred
Speaker 2: and fifty dollars I get a month in child support,
Speaker 2: So twenty three hundred dollars in bills and like about
Speaker 2: half of that is covered by child support. Okay. I
Speaker 2: do plan to get a new job this year to
Speaker 2: hopefully boost my salary by a minimum of fifteen k
Speaker 2: after listening to the advice on you All's podcast. But
Speaker 2: I do really want to set a realistic savings goal,
Speaker 2: savings goal to set up for me and my kiddo.
Speaker 2: I haven't had any examples in my family if anyone
Speaker 2: ever said saving, let alone for retirement, future college, et cetera.
Speaker 2: And I want to do better because I know better,
Speaker 2: I just don't know where to start. Please help. I
Speaker 2: want something realistic and feasible because I do enjoy being
Speaker 2: able to spend on things me and my kid enjoy
Speaker 2: all right, Trudy should.
Speaker 1: Say you know, actually had a friend in high school.
Speaker 1: Her name was Trudy and it wasn't until like graduation
Speaker 1: when they said her name Gertrude. We were like, gtruth,
Speaker 1: we did, that was her name. Sorry to you, Trudy.
Speaker 1: I feel like gird truths are just born old. I'm like,
Speaker 1: are you just a grandmother? I mean, how do you
Speaker 1: how do you look at a little ladies said we
Speaker 1: were gonna name this birth baby?
Speaker 2: Got true? Every Gertrude listening right now, I.
Speaker 1: Know, Sorryruths.
Speaker 2: Well, the lady names are back in style though, Eleanor's
Speaker 2: and all that, you know. But Trudy girl, So I
Speaker 2: was just quickly doing a little mathematicals. I was just
Speaker 2: about to slay. Okay, So I just did like six
Speaker 2: sixty three thousand divided by twenty six to see what
Speaker 2: you're working with, like on a by bi weekly basis.
Speaker 2: So that's about twenty four hundred dollars that's gross twice
Speaker 2: a month, yeah, gross before taxes all that, so times
Speaker 2: two that would be so she's working with like forty
Speaker 2: eight hundred pre tax so let's call one thousand ish. Yeah,
Speaker 2: four thousand ish. I was trying to remember what the
Speaker 2: tax bracket was for six under whatever her income is.
Speaker 2: It can't be thirty DAGM no eleven. I'm curious, what
Speaker 2: is the tax bracket? Google answer me, show me the
Speaker 2: power um incomes. She should be like max twenty twenty
Speaker 2: two percent. Okay, so yeah, something like that, like about
Speaker 2: four thousand and her bills, so that leaves her with
Speaker 2: about so Trudy, this math is what you should be doing,
Speaker 2: Like what's your take home pay? Because you know what
Speaker 2: your taxes are. You subtracted your bills from that twenty
Speaker 2: three hundred dollars. We're gonna guesstimate your left with like
Speaker 2: between fifteen hundred to two thousand, and then that thank
Speaker 2: here is.
Speaker 1: Eight forty. But she does get eleven fifty in child support,
Speaker 1: and child support is not text. So if we add
Speaker 1: the four thousand plus eleven fifty, what is that fifty
Speaker 1: one to fifty fifty one fifty minus twenty three hundred
Speaker 1: minus eight forty Where are we at?
Speaker 2: Oh I thought you were doing that. You sound like
Speaker 2: you're shit minus minus eight forty minus twenty three hundred.
Speaker 2: Get right on that. Tivity twenty ten dollars.
Speaker 1: Okay, so that's a good amount of money left over.
Speaker 1: But I mean, I'm assuming those are just bills, you know.
Speaker 1: I'm sure you have like other things. You got groceries
Speaker 1: and things like that.
Speaker 2: Gas.
Speaker 1: So from that two thousand, what was it, two.
Speaker 2: Thousand, twenty ten dollars twenty.
Speaker 1: I wouldn't be mad at saving five hundred bucks a month.
Speaker 2: Well how do you start? Because she's like, where do
Speaker 2: I feel her? On? Like, where does she start? Would
Speaker 2: that be like cash in the bank?
Speaker 1: Or I would start with what I call the budget
Speaker 1: without budgeting, I would say, once I did the math mathematics,
Speaker 1: you know what I mean, and I got this number,
Speaker 1: I would say, I'm going to go to HR and
Speaker 1: then I'm gonna say, hey, HR, or you look real
Speaker 1: cute today. Could you, instead of dropping all of my
Speaker 1: take home pay into this checking account, could you split
Speaker 1: it before I get it and put some here and
Speaker 1: put five hundred dollars into this online only saves account,
Speaker 1: you know, the highest deal that you can find. You
Speaker 1: can go to like a website magnified money dot com
Speaker 1: to find like a savings account and then put that
Speaker 1: other five hundred dollars there. And because of the purpose.
Speaker 1: To me, there's a few purposes of saving. You save
Speaker 1: for security, so you want to get your you know,
Speaker 1: your emergency savings game up three to six months. You
Speaker 1: have a kid, so probably might am will probably be
Speaker 1: like six months. And then you save for big purchases
Speaker 1: so you know, you want to put a down payment
Speaker 1: on a car or a house or whatever. And then
Speaker 1: you save for pre investing for wealth, you know, so truy. First,
Speaker 1: I would ask you, are you setting aside for retirement
Speaker 1: through your job? You know, so if you have this
Speaker 1: excess money left over, if you're not setting aside or
Speaker 1: you're not setting aside you know, whatever the max is,
Speaker 1: whether it's through your job or maybe you have a
Speaker 1: raw fire ray, whatever your retirement account is, are you
Speaker 1: maxing it out if you have excess money left over,
Speaker 1: because I probably would work toward that as well as
Speaker 1: putting aside for savings. If you're like, yes, I'm I'm
Speaker 1: setting aside for retirement. Great, because you're twenty five, super
Speaker 1: younger and snatched. I'm sure right, so that's great. And
Speaker 1: then I would say, okay, I would look at my
Speaker 1: numbers and say I can comfortably say like I said,
Speaker 1: like I wouldn't be mad at five hundred dollars, so
Speaker 1: basically like a quarter of what's left over in the pot.
Speaker 1: But I wouldn't do the work myself. I would have
Speaker 1: hr if if they let you split before you get
Speaker 1: and many people do, even small like even my company.
Speaker 1: We're not a big old company, and we have the
Speaker 1: capability of doing that. So I put my money into
Speaker 1: my online owning savings account and then I would decide
Speaker 1: from there, like, Okay, after I get to the place
Speaker 1: where I have my three to six months, is there
Speaker 1: maybe you want to also simultaneously save firm to purchase something.
Speaker 1: But once I max out, like I'm max and I
Speaker 1: think Mandy has shared too that she's maxed out for
Speaker 1: her emergency savings, and then I would roll over. So
Speaker 1: any excess money that comes to my life now my
Speaker 1: emergency account is fully funded. I'm not trying to buy
Speaker 1: anything anything right now, So any money that would normally
Speaker 1: go to my savings for savings sake goes to now
Speaker 1: like my pre savings to invest. So I put it
Speaker 1: into a pot. My financial advisor, I'll message her and say, hey, Angelie,
Speaker 1: you know I've got some money into the end that
Speaker 1: savings account, you know, when you get a chance to
Speaker 1: keep pull it out and she will slowly start to
Speaker 1: integrate it into my other and my other into the
Speaker 1: market via my investments. So that's what it kind of
Speaker 1: looks like for me. And so you can start that,
Speaker 1: but start with, am I maxing out my retirement account?
Speaker 1: Do I have emergency savings? Is there something I want
Speaker 1: to purchase you know, you know, for the baby or
Speaker 1: whatever or something major? And then pre savings for pre
Speaker 1: investing savings.
Speaker 2: So that's that's what you say, max out your four
Speaker 2: to one K, Like for you feel like for so
Speaker 2: many people, especially when you're earning sixty three thousand, like
Speaker 2: that's a lot of money. Like what is it twenty
Speaker 2: two thousand to max out your four to one K?
Speaker 2: I feel like if that's overwhelming or sounds overwhelming, I
Speaker 2: mean that would be like a quarter of her pre
Speaker 2: tax pay I feel like setting the bar super low,
Speaker 2: Like could you like set up a direct like if
Speaker 2: you have your five hundred dollars earmarked for your cash
Speaker 2: savings while you're building that up, like just doing something
Speaker 2: simple like five percent of my salary, you know, automated
Speaker 2: through HR going toward retirement and not worry so much
Speaker 2: about like how what that dollar amount is because you
Speaker 2: are so young. I feel like when I was your.
Speaker 1: Age, oh.
Speaker 2: Oh my god, when I was your age, I started
Speaker 2: doing the same thing I was making about what you're making.
Speaker 2: Actually I was like making fifty five or sixty thousand dollars,
Speaker 2: and that's how I started. I was just like, you know,
Speaker 2: take this five percent. It was what I felt comfortable doing.
Speaker 2: And then see how that feels, you know, not having
Speaker 2: that five percent. I didn't. Did I get a match
Speaker 2: at that point? I think I might have gotten a
Speaker 2: little match which helped. But even if you do or don't,
Speaker 2: like I feel like starting with five percent, And for me,
Speaker 2: what was so powerful is that I never didn't save
Speaker 2: a retirement after that. Like as I went to different jobs,
Speaker 2: I just had it in my mind, I'm going to
Speaker 2: do five percent. And then when I got comfortable, I
Speaker 2: was like, okay, ten percent. And as you said, like
Speaker 2: your next job, you can have been making fifteen k
Speaker 2: more or you know, however much more, And as long
Speaker 2: as you're still saving that percentage, it's always going to
Speaker 2: go up, you know, because your income is going to
Speaker 2: go up. So it's a really good habit. I feel
Speaker 2: like to start early, but I can see why people
Speaker 2: get like overwhelmed and instead of like, they'll hear Max
Speaker 2: like your four one K and just be like, oh,
Speaker 2: there's no way, I'll just try to be fair.
Speaker 1: Sorry, I didn't mean like I meant when I was
Speaker 1: thinking of Max, I meant that to me, the ideal
Speaker 1: is to to get to ten percent, you know, not
Speaker 1: the twenty thine, you know what I mean? Or I
Speaker 1: was thinking that whatever her if she didn't have a
Speaker 1: four one because I don't. If I don't have a
Speaker 1: four to one K match, then I'm jumping straight to Wroth.
Speaker 1: And which is six is what is it sixty five?
Speaker 1: Is it six thousand or sixty five hundred?
Speaker 2: Right now?
Speaker 1: I think Wroth is around six thousand, you know. So
Speaker 1: that's what I was thinking of that. I wasn't thinking
Speaker 1: about like the the full full full. I was like, Okay,
Speaker 1: if you can get to ten percent, that's what I
Speaker 1: should have specified ten percent of your you know what
Speaker 1: you're making into your four one K if they have
Speaker 1: a match. I like to do this. I'm like, do
Speaker 1: I have a four on one K? Yes? Do they
Speaker 1: have a match? No? Let me max out my wrath.
Speaker 1: Do I have a four O one K? Yes? Do
Speaker 1: they max? Yeah? Do they match? Yes? Okay, let me
Speaker 1: put my money up to the match. Like work toward
Speaker 1: getting my money put up to the match and then
Speaker 1: going to a raw IRA because there are tax benefits
Speaker 1: for a regular you know, four to one K regular
Speaker 1: retirement plan, which means that it lowers your tax burden
Speaker 1: now and then later when you retire, you get taxed
Speaker 1: on you know, the money you pull out, but then
Speaker 1: the wrath allows you although it doesn't lower your tax
Speaker 1: burden now, you get to pull that money out and
Speaker 1: the growth tax free later, you know, because you pay
Speaker 1: taxes ahead of time, and so like, I like to
Speaker 1: have that mix. But if you're not getting a match,
Speaker 1: I like to jump to the raw first and then
Speaker 1: come on back to four one K and kind of
Speaker 1: finish business there. But yeah, so hopefully we did not
Speaker 1: totally confuse you.
Speaker 2: If we did, I'm like, key, takeaway five hundred dollars
Speaker 2: is a good goal, and then you can decide how
Speaker 2: much of that because she didn't really share if she
Speaker 2: had emergency savings, you know, if she does already, maybe
Speaker 2: you just start beefing up your retirement. But you know
Speaker 2: the point is just to start, and I feel like
Speaker 2: my second, my my whatever number we're on. Like, biggest
Speaker 2: tip when you're at that stage is your fragile like
Speaker 2: it's it's you want to protect what you're building, So
Speaker 2: debt is the enemy. As much as you can avoid
Speaker 2: credit card debt and keeping your budget nice so that
Speaker 2: you're not leaning on credit card debt, you'll your future
Speaker 2: self will thank you so much because then the money
Speaker 2: you're actually making will be yours. You know, it's true
Speaker 2: wealth building, all right, Trudy girl, Congratulations, wait, congratulations on
Speaker 2: what on having your answer your question? Answer with the
Speaker 2: lowercase A, with your sprinkle of salt from us, thank
Speaker 2: you so much for sending your question, and again shout
Speaker 2: out to single moms. I have a special place in
Speaker 2: my heart.
Speaker 1: Real one.
Speaker 2: Should we take a quick breaking break and come back
Speaker 2: with question number two and bonus question?
Speaker 1: We sure you should?
Speaker 2: All right, see y'all back here.
Speaker 1: And we're blacking back. So this is fuddy because this
Speaker 1: question is from oldish and unsure. I love this because
Speaker 1: first of all, oldest, you ain't oldest, only thirty nine
Speaker 1: years overall, don't make me feel old I have a question.
Speaker 1: My job not career she specified right, office of four
Speaker 1: one K, but no employer match. Were just looking about
Speaker 1: this and I have almost been there one year and
Speaker 1: was automatically set up to deduct three percent for my
Speaker 1: paycheck to go to the four one K.
Speaker 2: Okay.
Speaker 1: In my latest statement, glad you're looking at it, I
Speaker 1: noticed each quarter I'm being charged administrative fees. How many
Speaker 1: of y'all didn't realize that you get admin fees on
Speaker 1: your former K. Really, any retirement investment account is typically
Speaker 1: going to have some sort of fees yep hm, which
Speaker 1: total twenty five dollars to one hundred dollars a year.
Speaker 1: I'm thirty nine and have a wroth IRA and several
Speaker 1: mutual funds established for my retirement. Should I continue to
Speaker 1: invest the eighty three dollars per paycheck in my four
Speaker 1: one K or should I automate that amount and then
Speaker 1: some to a pre existing wrowth or mutual fund. Now,
Speaker 1: like I said prior, oldest and I'm sure we're not
Speaker 1: gonna call you older, We're gonna call you fabulous, but
Speaker 1: unsure because you're thirty nine, says forty two. Don't do this,
Speaker 1: sas don't do this, so unsure I really like employe man.
Speaker 1: I don't really like four one k's or making four
Speaker 1: one k's a priority if there's no match. So to
Speaker 1: answer your question, I honestly, especially now that these you know,
Speaker 1: you have these admin fees which is not gonna offset anything.
Speaker 1: So you know you're if you're putting in let's just
Speaker 1: say eighty three, you know what is that times Let's
Speaker 1: do the math we're mathing today. Eighty three pre times
Speaker 1: twelve is nine hundred ninety six. So basically one thousand
Speaker 1: dollars a year's what you're putting in, and of the thousand,
Speaker 1: they're taking ten percent in fees. So in order for
Speaker 1: you to come up, you would you would have to
Speaker 1: make more than ten percent on your investments. Right, because
Speaker 1: you're putting in one thousand, you're losing one hundred one
Speaker 1: hundred is ten percent of one thousand. That means your
Speaker 1: money would have to grow beyond that loss in administration fees,
Speaker 1: which the average the market has been averaging for the
Speaker 1: last hundred years eight to ten percent, So you're gonna
Speaker 1: end up like net even, right, So, like the money
Speaker 1: you put in is literally the money you'll get out
Speaker 1: it's looking like instead of a four one K plan,
Speaker 1: you looking like you put money to savings gown. Not
Speaker 1: even because savings accounts these days are at least giving
Speaker 1: you one percent, Si says, says, So I would if
Speaker 1: it's eighty.
Speaker 2: Three dollars actually read her fine print, a girl, I'm so,
Speaker 2: I'm proud of you.
Speaker 1: Honestly, I'm unsure ish we gonna call you smart, smart,
Speaker 1: but unsure that. Yes, I would redirect that eighty three
Speaker 1: someplace els and I would not consider that four one
Speaker 1: k again unless I had enough to offset the administrative fees.
Speaker 1: So if I was putting in safe, you were putting
Speaker 1: in four hundred bucks a month, you know, then the
Speaker 1: administrative fees would be a smaller percentage of what you
Speaker 1: put in, and it might make sense.
Speaker 2: So yeah, this is exactly why I don't even love
Speaker 2: like some investing apps because they have like a dollar
Speaker 2: amount fee that they charge, which if you're like, if
Speaker 2: you're investing your pocket change, that's a that's a big
Speaker 2: like Tiffany said, when you break it down by the
Speaker 2: fee divided by what you're actually investing, like, it's a
Speaker 2: big it's a big amount of fees. So I can't
Speaker 2: even think, but I would say, just like Tiffany said
Speaker 2: earlier to our previous homos, said caller to our previous
Speaker 2: listener about going to like Magnify money, but going and
Speaker 2: doing your googles and research to find a brokerage account
Speaker 2: and being realistic about how much you can contribute and
Speaker 2: then see what kind of fees they have, because the
Speaker 2: fee may be different depending on like how much you're
Speaker 2: going to contribute a month. Each month, it might be
Speaker 2: a little bit more if you're contributing less, and then
Speaker 2: less if you're contributing more. It's twisted and rude of
Speaker 2: them to do it that way, but that's how a
Speaker 2: lot of them. It's how a bees sometimes. But that's
Speaker 2: a really good question, thank you. What are we calling
Speaker 2: her smart? But then sure, yes, smart, but I'm sure
Speaker 2: savvy and unsure.
Speaker 1: We have a really really really quick question. Yes, what
Speaker 1: I do that one?
Speaker 2: We on the same page. Yeah, let's get yesen Yeah,
Speaker 2: I love this name from ig Yesenya says should I
Speaker 2: max out my wroth IRA before investing in a brokerage account?
Speaker 2: I'm not sure that I can do both right now.
Speaker 1: It's about that time hit him Ama was here with this.
Speaker 2: Yeah, I think that that's a good idea. I mean,
Speaker 2: there's some benefits to a roth iray that you're not
Speaker 2: going to get from traditional brokerage account. The main one is,
Speaker 2: so when you're contributing to a wrath, you're using dot
Speaker 2: You're using money that you've already paid taxes on and
Speaker 2: you're putting it into a wrath. The limit is like
Speaker 2: sixty five hundreds, depends on your age, it can be
Speaker 2: a little bit more, but with a wroth iray it's
Speaker 2: a little bit it's a lot more flexible than a
Speaker 2: brokerage account. So the money that you put in because
Speaker 2: you've already paid taxes on it. One of the big
Speaker 2: benefits is that if and I'm not saying you should,
Speaker 2: but if you needed to dip into your wroth ira
Speaker 2: in the future, you'd be able to take out your
Speaker 2: contribution without getting hit with like tax penalties and fees.
Speaker 2: So that's one benefit that it has over a brokerage account.
Speaker 2: And you know, the cap on a wroth ira being
Speaker 2: like what it is now sixty five hundred to seven thousand,
Speaker 2: you know, obviously not knowing how much you have to
Speaker 2: put aside, but if you're able to yeah, hit that cap,
Speaker 2: and then you can at least feel good like, Okay,
Speaker 2: I've ticked this box, and you can take your whatever
Speaker 2: proceeds you have left over and shift that into a
Speaker 2: brokerage account. At that point, I think, like any other
Speaker 2: benefits i've.
Speaker 1: Yeah, Well, here's the thing I always say, like to me,
Speaker 1: there's two, Like, there's two purposes of investing, investing for
Speaker 1: retirement and investing for wealth. And I think that you
Speaker 1: should prioritize always investing for retirement first because one day
Speaker 1: your eighty year ol sself is gonna be like, oh wow,
Speaker 1: so because of you, I'm eating you know, I'm fighting
Speaker 1: these these these birds at the park for these for
Speaker 1: these breadcrumbs. You know what I mean. Like, we don't
Speaker 1: want to put our older self in a position to
Speaker 1: have to work so hard because our younger self was like,
Speaker 1: oh yikes, my bad. So because it's your younger self's
Speaker 1: job to look after your older self. So you know,
Speaker 1: I want you to prioritize investing for retirement first. Typically
Speaker 1: when people put money in a brokerage account, they're investing
Speaker 1: for wealth, which is what we want you to get to.
Speaker 1: But that's after you've done the foundational work of investing
Speaker 1: for retirement, and roth iray is retirement investing. That's the
Speaker 1: purpose of it. And to Mandy's point, you put money
Speaker 1: in after tax and you get to withdraw it later,
Speaker 1: you know, tax free, because one you've gotten tax on
Speaker 1: what you contribute already, but also the growth you get
Speaker 1: to pull out tax free as well. So there's a
Speaker 1: huge benefit to a WROTH. And there's an income max
Speaker 1: so I think last time I checked it was like
Speaker 1: one hundred and twenty five thousand dollars a year. If
Speaker 1: you make more than that, although there's some ways around
Speaker 1: it with like a backdoor WROTH and YadA YadA YadA,
Speaker 1: you would sit down with your financial advisor for that.
Speaker 1: But on the surface there's an income max of I
Speaker 1: think it's one hundred and twenty five thousand at least
Speaker 1: that's what it was like last year or the year before,
Speaker 1: So you know you might over time start making more
Speaker 1: than that, so you want to take advantage of that.
Speaker 1: Why you can, So just in general for everyone, take
Speaker 1: care of your retirement first. After you've taken care of that,
Speaker 1: then start looking to invest for wealth. Retirement means you
Speaker 1: get to take care of your older self. Investing for
Speaker 1: wealth means you get you get to leave a legacy
Speaker 1: and then increase your lifestyle. Now, but you, as a
Speaker 1: younger person, younger than your older self, can wait on
Speaker 1: the luxurious life, whereas your older self cannot wait on
Speaker 1: basic accommodations and living. So take care of that old self.
Speaker 2: Okay, dang, but I want nice things now.
Speaker 1: I know you can have nice things, but you got
Speaker 1: to make sure that. Like because I call my older
Speaker 1: self Wanda, and I'm like, you gotta make sure Wanda
Speaker 1: is good because Wanda is like, I know, Derek gone, well,
Speaker 1: she and I have sushi again. So she eats sushi
Speaker 1: and I eat baloney. Got it.
Speaker 2: I'm going to think about myself fighting for breadcrumbs from
Speaker 2: the pigeons and time. Rio is like, I want that
Speaker 2: new tuck new talck.
Speaker 1: Like do you want to pray for break croups at
Speaker 1: the park?
Speaker 2: They be like, what give me the truck? Lady here?
Speaker 2: Make you look at bad mom from everybody? Oh my goodness.
Speaker 1: So we hope you enjoyed the b a q A.
Speaker 1: If you have questions, we certainly will try our best
Speaker 1: to answer something. You can hit us up on Insta
Speaker 1: in the d ms or even just in the comments
Speaker 1: at we are Brand Ambition and pod is It pot
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Speaker 1: and we are Brandabision podcast dot com. You can click
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Speaker 1: you want to be remain remain anonymous, we we will
Speaker 1: allow it, but we prefer you give us a fun
Speaker 1: name to call you.
Speaker 2: Sparkling.
Speaker 1: Do you sad exactly? Because if you don't give us
Speaker 1: a name, I'm gonna give you a name.
Speaker 2: It ain't go keep either.
Speaker 1: Oh well, hopefully the baby will give you some peace.
Speaker 1: He's like, I don't want peace, I want problems.
Speaker 2: I really didn't know if I was going to get
Speaker 2: through today's show. So thank you Tiffany and everyone else
Speaker 2: for being very patient. And yeah, my nerves are shot
Speaker 2: and it's all right. How many more hours still? Bedtime? Seven?
Speaker 2: That's all I gotta hat gain there. See y'all next week,
Speaker 2: See y'all next week. Don't forget to check out Tiffany's
Speaker 2: new documentary Get Smart with Money September.
Speaker 1: Six, on Netflix yep, September six But you can go
Speaker 1: there now and polae press like notify me or like
Speaker 1: remind me or whatever the little button says, so you
Speaker 1: can get that email from Netflix to say it's out.
Speaker 2: It's out, it's out, and where can we get the
Speaker 2: deeds on your party? Where's that going to go?
Speaker 1: So I'm gonna be posting it. It'll be on all
Speaker 1: of my socials by now, it'll be out. So if
Speaker 1: you go to my social media page, you'll be able
Speaker 1: to see like there'll be a link. The party will
Speaker 1: be free. I'm trying to have a digital option, but
Speaker 1: at the very least like it's going to be in Newark,
Speaker 1: New Jersey at NJPAS on September sixth. It will be
Speaker 1: free popcorns on me. We'll watch together, have a panel afterward.
Speaker 1: It's gonna be good times.
Speaker 2: Ah so fun. All right, congrats Tive Bye, We'll see
Speaker 2: you guys next week. Bye bye bye, Hey ba fan.
Speaker 2: We could not do this show without your support or
Speaker 2: the support of our team behind the scenes. The Brown
Speaker 2: Emission podcast is produced by Cumulus Podcast Network. It's edited
Speaker 2: by the wonderful Emani Crosby and produced by Tanya Bustos.
Speaker 2: Dennis Stimplinsky is our in house tech guru, and I
Speaker 2: am Bandy Woodrid Santos your co host, and I will
Speaker 2: see y'all next week