1 00:00:16,280 --> 00:00:23,440 Speaker 1: Hey, hey, hey we're back. We're brown, We're black. 2 00:00:24,360 --> 00:00:27,680 Speaker 2: Hey Mandy, Hey, what's up? Happy Brown ambition Wednesday? 3 00:00:28,240 --> 00:00:29,360 Speaker 1: Yeah? Super? Gee? 4 00:00:30,520 --> 00:00:32,760 Speaker 2: Have you been geeked about what? 5 00:00:33,880 --> 00:00:37,479 Speaker 1: I don't know. No, Like, I just have some exciting 6 00:00:37,560 --> 00:00:40,720 Speaker 1: like of projects. Well really, my children's book. The illustrations 7 00:00:40,760 --> 00:00:44,720 Speaker 1: are completely done and I'm Molly Moore. I'm just super 8 00:00:44,800 --> 00:00:47,560 Speaker 1: excited because it's gonna come out Q one, so the 9 00:00:47,640 --> 00:00:51,680 Speaker 1: first three months of twenty twenty. So I'm just I'm 10 00:00:51,720 --> 00:00:54,120 Speaker 1: like excited, get nervous. I haven't like shared any of 11 00:00:54,120 --> 00:00:56,320 Speaker 1: the new pictures or anything, just because you know, it's like, 12 00:00:56,320 --> 00:00:57,279 Speaker 1: my baby. 13 00:00:57,600 --> 00:00:58,840 Speaker 2: I thought you were going to say you got a 14 00:00:58,840 --> 00:00:59,960 Speaker 2: Popeyees chicken sandwich. 15 00:01:00,400 --> 00:01:02,279 Speaker 1: Oh no, you know they sung out. 16 00:01:02,720 --> 00:01:05,319 Speaker 2: Yeah, That's why I was. It's like the new crow nut. Somehow. 17 00:01:06,240 --> 00:01:08,080 Speaker 1: I'm like, that's so crazy. 18 00:01:07,880 --> 00:01:10,679 Speaker 2: Which is we were at we were at my husband's 19 00:01:10,680 --> 00:01:13,960 Speaker 2: cousin's place and they just randomly decided to order Popeyes 20 00:01:14,000 --> 00:01:16,080 Speaker 2: through door Dash and I just was cracking up that 21 00:01:16,120 --> 00:01:20,160 Speaker 2: Popeyes even delivers through door dash. And then the news 22 00:01:20,280 --> 00:01:21,800 Speaker 2: I didn't know they were doing a sandwich, and then 23 00:01:21,800 --> 00:01:23,640 Speaker 2: it's like all anybody wants to talk about this week 24 00:01:23,720 --> 00:01:24,920 Speaker 2: is their damn chicken sandwich. 25 00:01:25,520 --> 00:01:27,520 Speaker 1: Yeah, honestly, someone was like, girl, it's the same thing 26 00:01:27,520 --> 00:01:29,920 Speaker 1: as their whatever sandwichich is ficy mayo. But you know, 27 00:01:30,000 --> 00:01:32,880 Speaker 1: it's just they tipped. It's like if you ever read 28 00:01:33,000 --> 00:01:35,880 Speaker 1: Knockolm Gladwell, it's the tipping point where you know, at 29 00:01:35,880 --> 00:01:39,480 Speaker 1: some point when an idea really catches fire, there's like 30 00:01:39,520 --> 00:01:42,320 Speaker 1: a tipping point when it just you know, goes over 31 00:01:42,400 --> 00:01:45,320 Speaker 1: from just like every day people knowing it to everyone 32 00:01:45,400 --> 00:01:47,360 Speaker 1: knowing it. And so it's like on fleek when your 33 00:01:47,400 --> 00:01:49,360 Speaker 1: when your grandma starts saying on fleak, you know that. 34 00:01:50,720 --> 00:01:54,480 Speaker 2: Apparently the world needed another chicken sandwich option, I guess. 35 00:01:54,520 --> 00:01:57,120 Speaker 1: So I know popeye'es is like whoa whoever came up 36 00:01:57,160 --> 00:02:00,360 Speaker 1: with the marketing is getting a raise. Okay, I mean. 37 00:02:00,240 --> 00:02:04,040 Speaker 2: Gail King was instagramming live from Popeyes that they had 38 00:02:04,080 --> 00:02:06,320 Speaker 2: the sign on the door saying they're out of sandwiches, 39 00:02:06,320 --> 00:02:08,520 Speaker 2: which is good marketing because now it's like the black 40 00:02:08,560 --> 00:02:14,920 Speaker 2: market of chicken sandwiches. You guys, please don't buy you know, questionable. Yeah, 41 00:02:15,080 --> 00:02:17,560 Speaker 2: Popey's chicken sand You don't know if it's a real deal, Like, 42 00:02:17,639 --> 00:02:19,079 Speaker 2: come on, be safe out there. 43 00:02:19,400 --> 00:02:21,320 Speaker 1: Somebody made it there because I did see someone had 44 00:02:21,320 --> 00:02:23,280 Speaker 1: it online for seventy five dollars. I was like, I 45 00:02:23,280 --> 00:02:24,400 Speaker 1: can't can't wait for. 46 00:02:24,400 --> 00:02:25,560 Speaker 2: Real, I thought you were just making that. 47 00:02:25,600 --> 00:02:27,200 Speaker 1: I mean no, no, no, I did see like but 48 00:02:27,240 --> 00:02:28,640 Speaker 1: I'm like, I don't know if they were really selling it, 49 00:02:28,680 --> 00:02:30,040 Speaker 1: if it was like a fake ad. But I saw 50 00:02:30,160 --> 00:02:32,600 Speaker 1: like this, like someone posted like is this ad reel 51 00:02:32,760 --> 00:02:37,120 Speaker 1: seventy five dollars? That's crazy? Oh lord, this is so. 52 00:02:37,200 --> 00:02:39,600 Speaker 1: I was on Facebook the other day and I saw 53 00:02:39,639 --> 00:02:44,000 Speaker 1: an interesting post by our friend friend of the show. Well, 54 00:02:44,040 --> 00:02:45,320 Speaker 1: you know Jason Vitug. 55 00:02:45,080 --> 00:02:48,079 Speaker 2: Right of course, so con World. 56 00:02:48,560 --> 00:02:51,600 Speaker 1: Yeah, so Jason super dope. He he too is a 57 00:02:51,680 --> 00:02:57,120 Speaker 1: financial educator, and he posted something really interesting about the 58 00:02:57,120 --> 00:02:58,840 Speaker 1: Fire Movement and I just wanted to see, like your 59 00:02:58,880 --> 00:03:03,200 Speaker 1: feedback on what you thought. And he he said he 60 00:03:03,280 --> 00:03:05,840 Speaker 1: had an interesting and perplexing conversation with someone in the 61 00:03:05,840 --> 00:03:12,400 Speaker 1: Fire movement and he been ridiculed over and well this 62 00:03:12,440 --> 00:03:15,200 Speaker 1: is basically what he said. He said, the Fire movement. 63 00:03:15,320 --> 00:03:18,160 Speaker 1: He finds it interesting that folks, and a lot of folks, 64 00:03:18,200 --> 00:03:20,840 Speaker 1: not everyone, A lot of folks in the Fire Movement 65 00:03:22,120 --> 00:03:25,440 Speaker 1: kind of, for lack of a better word, mock folks 66 00:03:25,440 --> 00:03:30,560 Speaker 1: who spend their money on consumer goods. But then one 67 00:03:30,560 --> 00:03:33,120 Speaker 1: of the ways that the fire movement supports themselves is 68 00:03:33,160 --> 00:03:36,320 Speaker 1: by investing in the stock market that is supported by 69 00:03:36,400 --> 00:03:41,440 Speaker 1: those who buy consumer goods. So you know, if like 70 00:03:41,560 --> 00:03:43,280 Speaker 1: let's just say, like, you know, you think that people 71 00:03:43,320 --> 00:03:45,560 Speaker 1: are dumb because they buy the iPhone, but then you 72 00:03:45,640 --> 00:03:50,160 Speaker 1: buy Apple stock. If that person doesn't buy the iPhone, 73 00:03:50,720 --> 00:03:54,320 Speaker 1: you can't you know, your stock would not be worth anything. 74 00:03:54,560 --> 00:03:57,320 Speaker 1: So like where does that hypocrisy kind of like stop 75 00:03:57,320 --> 00:03:57,600 Speaker 1: and end? 76 00:03:57,800 --> 00:04:00,640 Speaker 2: And you know what I mean, like, yeah, they're benefiting 77 00:04:00,680 --> 00:04:04,520 Speaker 2: from consumerism because they need they need companies to do 78 00:04:04,600 --> 00:04:07,720 Speaker 2: well exactly, so they Yeah, I totally get it. So 79 00:04:07,760 --> 00:04:09,480 Speaker 2: he got he got hell for that. 80 00:04:10,120 --> 00:04:11,920 Speaker 1: Yeah, which he was like, you know, he and he 81 00:04:12,040 --> 00:04:13,960 Speaker 1: this is what he was saying, which I totally agree 82 00:04:14,120 --> 00:04:16,800 Speaker 1: he's saying, like I'm not saying, don't benefit. But it 83 00:04:16,839 --> 00:04:19,960 Speaker 1: seems a little hip, you know, like it's a little 84 00:04:20,200 --> 00:04:22,520 Speaker 1: there's a lot of hypocrisy going on when you're like 85 00:04:22,920 --> 00:04:25,120 Speaker 1: look at you, you full you bought Apple. You know, 86 00:04:25,160 --> 00:04:27,360 Speaker 1: you bought an iPhone. Oh thank you for buying the iPhone, 87 00:04:27,360 --> 00:04:29,240 Speaker 1: because with the iPhone, I could not be my family 88 00:04:29,440 --> 00:04:31,400 Speaker 1: this week. I mean you know what I mean, like, 89 00:04:31,839 --> 00:04:34,360 Speaker 1: and so people were in someone said, yeah, that's exactly 90 00:04:34,360 --> 00:04:36,479 Speaker 1: how it is, and he's like, well, don't you just 91 00:04:36,520 --> 00:04:41,280 Speaker 1: think that that's wrong? And it was so weird. I mean, yeah, 92 00:04:41,320 --> 00:04:44,000 Speaker 1: I just I thought that was really fair, and he 93 00:04:44,120 --> 00:04:46,080 Speaker 1: was just like, you know, I just thought it was 94 00:04:46,640 --> 00:04:50,040 Speaker 1: crazy how people were really coming at him to say, yes, 95 00:04:50,560 --> 00:04:53,839 Speaker 1: I judge those people, and yes I benefit off benefit 96 00:04:53,880 --> 00:04:56,520 Speaker 1: off of their choices, and I just I don't know. 97 00:04:56,600 --> 00:05:00,240 Speaker 1: It's I think it's one of the reasons why I've 98 00:05:00,240 --> 00:05:03,159 Speaker 1: seen kind of like this pushback from the Fire movement, 99 00:05:03,240 --> 00:05:04,760 Speaker 1: which you know, maybe we should explain what the Fire 100 00:05:04,760 --> 00:05:06,200 Speaker 1: movement is. Have we ever talked about it? I think 101 00:05:06,200 --> 00:05:06,400 Speaker 1: we have. 102 00:05:06,680 --> 00:05:09,360 Speaker 2: Oh, I'm sure if you're if you're a regular listener 103 00:05:09,400 --> 00:05:11,719 Speaker 2: of the show, we've brought up Fire movement and I've 104 00:05:12,160 --> 00:05:15,279 Speaker 2: shared my thoughts on Yeah, we've talked to So it's fires, 105 00:05:15,360 --> 00:05:18,960 Speaker 2: its financial independence, retire early. It is what the acronym 106 00:05:19,040 --> 00:05:22,359 Speaker 2: stands for, and it's this movement where people save and 107 00:05:22,440 --> 00:05:25,000 Speaker 2: work really aggressively in their early years so that they 108 00:05:25,000 --> 00:05:30,560 Speaker 2: can retire early. And they the issue comes up because 109 00:05:30,560 --> 00:05:33,400 Speaker 2: a lot of these people who retire early create blogs 110 00:05:33,440 --> 00:05:36,320 Speaker 2: or businesses where they teach people how to retire early, 111 00:05:36,440 --> 00:05:39,040 Speaker 2: and that's kind of how they are able to retire early, 112 00:05:39,839 --> 00:05:41,839 Speaker 2: or they had a big job before in a massive 113 00:05:41,920 --> 00:05:45,240 Speaker 2: savings or they were well invested. You know. It's so 114 00:05:45,400 --> 00:05:47,840 Speaker 2: for me, it's always been about if you're gonna, if 115 00:05:47,839 --> 00:05:50,880 Speaker 2: you're gonna, you know, market yourself as someone who's cracked 116 00:05:50,880 --> 00:05:53,440 Speaker 2: the code. And I retire at thirty five or forty five, 117 00:05:53,520 --> 00:05:55,680 Speaker 2: and they really crack the code, then really crack it 118 00:05:55,800 --> 00:05:58,680 Speaker 2: or tell us exactly what you mean by you retire early? 119 00:05:58,760 --> 00:06:00,280 Speaker 2: What does that mean? Are you like living on a 120 00:06:00,360 --> 00:06:03,599 Speaker 2: yacht or are you selling courses on how to retire early? 121 00:06:03,680 --> 00:06:05,719 Speaker 2: And they're you know, because you did it. But in 122 00:06:05,800 --> 00:06:08,000 Speaker 2: order to keep retiring early, you need to make money 123 00:06:08,040 --> 00:06:10,120 Speaker 2: off these courses you're selling to people who want to 124 00:06:10,120 --> 00:06:14,160 Speaker 2: retire early. You know. So and on top of that, 125 00:06:14,160 --> 00:06:16,040 Speaker 2: there's there was a New York Times article about how 126 00:06:16,080 --> 00:06:20,640 Speaker 2: it's very much white male kind of voices in this 127 00:06:20,680 --> 00:06:23,640 Speaker 2: community and how we went of color or stepping up 128 00:06:23,680 --> 00:06:26,039 Speaker 2: and speaking out more about the movement and you know, 129 00:06:26,200 --> 00:06:26,839 Speaker 2: all that jazz. 130 00:06:27,279 --> 00:06:28,720 Speaker 1: Yeah, So I just thought that was really interesting, and 131 00:06:28,760 --> 00:06:30,400 Speaker 1: I just thought it was like it was dope of 132 00:06:30,440 --> 00:06:32,560 Speaker 1: Jason to kind of bring that up to be like, look, hey, 133 00:06:32,600 --> 00:06:35,680 Speaker 1: I'm not saying there's anything wrong with fire, but maybe 134 00:06:35,800 --> 00:06:38,120 Speaker 1: you should take a look at you know, what are 135 00:06:38,160 --> 00:06:40,720 Speaker 1: you really saying, Because the truth of the matter is 136 00:06:40,760 --> 00:06:44,840 Speaker 1: if everyone follows your stringent advice there there would be 137 00:06:44,920 --> 00:06:45,840 Speaker 1: no movement for you. 138 00:06:47,120 --> 00:06:49,120 Speaker 2: Yeah. Yeah, so fair assessment. 139 00:06:49,960 --> 00:06:51,640 Speaker 1: I thought that was interesting. I was key keying over 140 00:06:51,640 --> 00:06:54,080 Speaker 1: the comments. I said, ooh, they're dragging Jason, but maybe 141 00:06:54,080 --> 00:06:56,600 Speaker 1: he chopping my popcor. I was messaging him cause I 142 00:06:56,600 --> 00:06:57,880 Speaker 1: was like, you know what, I don't want to get 143 00:06:57,880 --> 00:07:00,880 Speaker 1: into the frame. I feel like I pull more and 144 00:07:00,920 --> 00:07:06,960 Speaker 1: more away from the financial community somewhat because there is 145 00:07:07,040 --> 00:07:09,360 Speaker 1: sometimes there is a lot of judgment that I'm like, oh, 146 00:07:09,440 --> 00:07:10,880 Speaker 1: I'm not here for that. I mean, there's definitely some 147 00:07:10,960 --> 00:07:14,680 Speaker 1: dope pockets that I engage in, but overall sometimes I'm 148 00:07:14,720 --> 00:07:17,520 Speaker 1: just like, oh my gosh, like okay, Like I feel 149 00:07:17,520 --> 00:07:21,680 Speaker 1: like people are bashing the go ahead and get the latte, 150 00:07:21,840 --> 00:07:23,960 Speaker 1: or they're like, don't get the latte, or it's just 151 00:07:24,120 --> 00:07:25,640 Speaker 1: I don't know. It just seems like a lot of 152 00:07:25,680 --> 00:07:29,960 Speaker 1: tug of war and pulling over over nothing, you know, 153 00:07:30,160 --> 00:07:32,800 Speaker 1: Like I just I just don't like the direction that 154 00:07:32,840 --> 00:07:34,560 Speaker 1: some of it has gone into. That almost like in 155 00:07:34,640 --> 00:07:36,600 Speaker 1: order to rise up, you have to bash someone else's 156 00:07:36,600 --> 00:07:37,480 Speaker 1: way of doing it, you know. 157 00:07:38,360 --> 00:07:42,200 Speaker 2: Yeah, there's so much competition to be a financial educator 158 00:07:42,560 --> 00:07:45,280 Speaker 2: and make money from that career path right now that 159 00:07:45,360 --> 00:07:48,480 Speaker 2: I honestly think it's just people who get our being 160 00:07:48,520 --> 00:07:53,240 Speaker 2: defensive and like territorial because they are worried about their 161 00:07:53,280 --> 00:07:56,560 Speaker 2: own livelihood, like this path that they've chosen to educate people, 162 00:07:56,600 --> 00:07:58,760 Speaker 2: and they think sometimes the way you need to do 163 00:07:58,840 --> 00:08:01,680 Speaker 2: it is to like keep up errors or like keep 164 00:08:01,760 --> 00:08:05,800 Speaker 2: up this image of that they've created for themselves or whatever. 165 00:08:05,880 --> 00:08:11,640 Speaker 2: And honestly, like, you don't need to to educate people 166 00:08:11,680 --> 00:08:14,960 Speaker 2: about their finances. You don't need to be a perfect example. Now, 167 00:08:15,200 --> 00:08:17,840 Speaker 2: like have you ever had a doctor who is like overweight, 168 00:08:18,040 --> 00:08:20,360 Speaker 2: or like look you know what I mean. 169 00:08:20,600 --> 00:08:22,520 Speaker 1: The hairdresser whose hair is a little bit crazy. 170 00:08:22,560 --> 00:08:24,200 Speaker 2: Look it's crazy. Yeah. 171 00:08:24,720 --> 00:08:26,520 Speaker 1: When I first first first started, I remember I didn't 172 00:08:26,560 --> 00:08:28,920 Speaker 1: want to share that I had a foreclosure and I 173 00:08:28,960 --> 00:08:30,640 Speaker 1: was like, girl, someone's going to do a google and 174 00:08:30,680 --> 00:08:34,240 Speaker 1: be like, ah, you budget these the foreclosed in you know. 175 00:08:34,840 --> 00:08:37,720 Speaker 1: So I remember the first time I shared it and 176 00:08:37,800 --> 00:08:39,679 Speaker 1: someone was like, oh, my god, thank you so much girl, 177 00:08:39,880 --> 00:08:41,719 Speaker 1: because I'm like, well, dang, if you could bounce back 178 00:08:41,720 --> 00:08:44,280 Speaker 1: from that, then so can I. And then that's when 179 00:08:44,320 --> 00:08:47,560 Speaker 1: I realized, like, wow, the more I shared honestly what 180 00:08:47,600 --> 00:08:49,280 Speaker 1: was happening and how I make mistakes and how I 181 00:08:49,280 --> 00:08:52,400 Speaker 1: still make mistakes, that I don't consider myself any financial guru. 182 00:08:52,720 --> 00:08:54,680 Speaker 1: I'm just someone who's like, when I learned something, I'm 183 00:08:54,720 --> 00:08:56,640 Speaker 1: going to share it and I'm going to be open 184 00:08:56,720 --> 00:08:59,280 Speaker 1: about my experience about it. That's it, you know, like 185 00:08:59,280 --> 00:09:01,120 Speaker 1: I A would say, like I, I'm your financial girlfriend, 186 00:09:01,160 --> 00:09:04,880 Speaker 1: not your financial guru. Then then that I felt like 187 00:09:04,920 --> 00:09:07,280 Speaker 1: that's when the you know, the floodgates kind of opened 188 00:09:07,320 --> 00:09:09,760 Speaker 1: for me. But yeah, I just I agree that. I 189 00:09:09,760 --> 00:09:13,319 Speaker 1: don't know. It's just I'm not going to fincom this year. 190 00:09:13,320 --> 00:09:14,640 Speaker 1: No shout, no shade to Fincon. 191 00:09:15,840 --> 00:09:18,920 Speaker 2: Sometimes she turned her back on them. That's why we 192 00:09:18,960 --> 00:09:21,240 Speaker 2: never get nominated for a damn what's that work? What's 193 00:09:21,240 --> 00:09:24,200 Speaker 2: the pluta? So they never nominated. They know we're one 194 00:09:24,240 --> 00:09:26,400 Speaker 2: of the best podcasts out there. I'm just gonna say it, 195 00:09:26,440 --> 00:09:29,160 Speaker 2: we never get nominated because I'm. 196 00:09:29,040 --> 00:09:30,600 Speaker 1: Not mand for two plutacent worlds this year. 197 00:09:30,720 --> 00:09:32,840 Speaker 2: Oh lovely for you, Yeah, they love the budget Mesta. 198 00:09:33,440 --> 00:09:36,199 Speaker 1: But yeah, but were we not? We were nominated one time. 199 00:09:36,200 --> 00:09:37,800 Speaker 1: Weren't we for podcasts? 200 00:09:38,360 --> 00:09:41,360 Speaker 2: I don't remember, we want but we were nominated. 201 00:09:41,440 --> 00:09:44,760 Speaker 1: I feel like perhaps, But yeah, sometimes it's just like 202 00:09:44,800 --> 00:09:46,480 Speaker 1: I said, sometimes the energy just can be like, oh 203 00:09:46,520 --> 00:09:48,160 Speaker 1: my goodness, I thought we were just here to help 204 00:09:48,200 --> 00:09:50,920 Speaker 1: and serve and you know, but yeah, so that was 205 00:09:50,960 --> 00:09:52,280 Speaker 1: just like my two cents. I just thought that was 206 00:09:52,320 --> 00:09:56,119 Speaker 1: interesting and like, how you know, just a little hypocrisy 207 00:09:56,160 --> 00:09:59,880 Speaker 1: in our industry that I don't know. I just feel 208 00:09:59,920 --> 00:10:03,760 Speaker 1: like I really don't believe in extremes, you know that. 209 00:10:03,840 --> 00:10:06,640 Speaker 1: I feel like most people dwell somewhere in the balance, 210 00:10:06,679 --> 00:10:08,199 Speaker 1: and that's where I try to reach people that I'm 211 00:10:08,200 --> 00:10:10,720 Speaker 1: not here to be like you are terrible, or like 212 00:10:10,760 --> 00:10:13,920 Speaker 1: there's only one strict way to live life. I just 213 00:10:13,960 --> 00:10:15,640 Speaker 1: don't think that that because the truth of the matter 214 00:10:15,679 --> 00:10:19,280 Speaker 1: is if everybody only ate vegetables, you know that we 215 00:10:19,320 --> 00:10:22,960 Speaker 1: would be overrun by animals, if anybody everybody only ate animals, 216 00:10:23,040 --> 00:10:25,760 Speaker 1: and we would be overrun by something else. Like there's 217 00:10:25,840 --> 00:10:28,839 Speaker 1: diversity for a reason, Like it's one of the ways 218 00:10:28,880 --> 00:10:31,640 Speaker 1: we're able to sustain life that everyone doesn't all do 219 00:10:31,720 --> 00:10:33,960 Speaker 1: the same thing, so that should never be the goals. 220 00:10:34,040 --> 00:10:34,720 Speaker 1: That's what I think. 221 00:10:35,000 --> 00:10:37,400 Speaker 2: It's that core thing you learn in preschool. We're all different, 222 00:10:37,480 --> 00:10:41,120 Speaker 2: we all have our own unique, whatever way of doing things. 223 00:10:41,280 --> 00:10:44,480 Speaker 2: I don't know, people are crazy, but that's that reminds 224 00:10:44,520 --> 00:10:46,000 Speaker 2: me of a good question we're going to answer later 225 00:10:46,040 --> 00:10:49,160 Speaker 2: from someone who basically is getting like worn down by 226 00:10:49,200 --> 00:10:52,560 Speaker 2: all the advice, the save and the payoff debt and 227 00:10:52,640 --> 00:10:55,200 Speaker 2: wonders when where's the where's the advice and how to 228 00:10:55,200 --> 00:10:57,440 Speaker 2: work fun into the equation. So we'll get to that question. 229 00:10:57,960 --> 00:10:59,520 Speaker 2: Let me answer questions later in the show. 230 00:11:00,760 --> 00:11:03,000 Speaker 1: Something else I saw, interestingly enough, I was like, I'm 231 00:11:03,080 --> 00:11:08,120 Speaker 1: not a big New York Times reader, but call I know, 232 00:11:08,600 --> 00:11:13,000 Speaker 1: called what American CEOs are worried about? So speaking of like, 233 00:11:13,040 --> 00:11:14,559 Speaker 1: you know, white men in business, because I think we 234 00:11:14,600 --> 00:11:17,560 Speaker 1: talked about that, like the fire movement. So nearly two 235 00:11:17,679 --> 00:11:23,199 Speaker 1: hundred executives meet annually and it's called the Business Roundtable. 236 00:11:24,120 --> 00:11:29,120 Speaker 1: And Jamie Diamond of JP Morgan and Chase, they're like, 237 00:11:29,160 --> 00:11:31,560 Speaker 1: you know these made you think of like Apple, PEPSI, Walmart. 238 00:11:31,880 --> 00:11:35,600 Speaker 1: All these executives meet annually to talk about, like, you know, 239 00:11:35,720 --> 00:11:38,640 Speaker 1: what what can we do to continue to dominate the world. 240 00:11:39,520 --> 00:11:42,960 Speaker 1: And so interestingly the talking business now, which I think 241 00:11:43,040 --> 00:11:44,680 Speaker 1: is so crazy because I feel like small businesses have 242 00:11:44,720 --> 00:11:49,360 Speaker 1: already been on this that before the Business Roundtable, their 243 00:11:49,400 --> 00:11:52,200 Speaker 1: stance were was that basically that they were here to 244 00:11:52,360 --> 00:11:56,599 Speaker 1: cater almost exclusively to the shareholder. So we want the 245 00:11:56,640 --> 00:12:01,320 Speaker 1: shareholder to make money. And now they're saying that, you 246 00:12:01,400 --> 00:12:04,880 Speaker 1: know what, there are other folks that we should be 247 00:12:05,520 --> 00:12:08,840 Speaker 1: concerned about as well, and so that's to protect the environment, 248 00:12:09,120 --> 00:12:14,000 Speaker 1: to deliver value to customers, to invest in employees. I'm like, well, 249 00:12:14,600 --> 00:12:16,480 Speaker 1: clearly they're only doing this because at the bottom line, 250 00:12:16,480 --> 00:12:18,439 Speaker 1: at the bottom line, like all of these companies really 251 00:12:18,480 --> 00:12:21,840 Speaker 1: care about the bottom line. But apparently this is what 252 00:12:21,920 --> 00:12:25,400 Speaker 1: I love, what I call like the millennials shift that 253 00:12:26,000 --> 00:12:30,360 Speaker 1: because millennials are such a huge dominant force and you 254 00:12:30,400 --> 00:12:35,240 Speaker 1: guys care about more than just money, and because you 255 00:12:35,320 --> 00:12:38,079 Speaker 1: care about more than just money, you are shifting industries 256 00:12:38,120 --> 00:12:41,000 Speaker 1: with your choices that you are forcing these big, huge 257 00:12:41,040 --> 00:12:43,640 Speaker 1: companies like this to say things like this like we 258 00:12:43,679 --> 00:12:46,000 Speaker 1: want to invest in employees and protect the environment and 259 00:12:46,120 --> 00:12:48,760 Speaker 1: value our customers. They never said things like this before, 260 00:12:49,040 --> 00:12:50,800 Speaker 1: and so I just thought that was really interesting that 261 00:12:50,800 --> 00:12:53,400 Speaker 1: that was something that they're taking this big stance on. 262 00:12:53,480 --> 00:12:55,840 Speaker 1: We'll see how it actually plays out in these companies. 263 00:12:55,880 --> 00:12:58,400 Speaker 1: But the fact that that was even a stated issue 264 00:12:58,440 --> 00:13:00,520 Speaker 1: and something that they discussed at the business round table, 265 00:13:00,559 --> 00:13:03,040 Speaker 1: I thought that that was there. It's a it's a basically, 266 00:13:03,040 --> 00:13:05,360 Speaker 1: it's a lobbying group. I thought that that was interesting 267 00:13:05,520 --> 00:13:07,880 Speaker 1: and very telling about the times we live in. 268 00:13:08,360 --> 00:13:11,640 Speaker 2: Yeah. I saw that headline how public companies are focusing 269 00:13:11,640 --> 00:13:14,960 Speaker 2: on the customer and shareholders aren't as important anymore. Yeah, 270 00:13:15,000 --> 00:13:19,640 Speaker 2: I mean it's kind of like, duh, create great products 271 00:13:19,640 --> 00:13:23,000 Speaker 2: that serve your customers and and you know that's that's 272 00:13:23,080 --> 00:13:26,280 Speaker 2: one way to have good business. And a lot of times, 273 00:13:26,280 --> 00:13:28,160 Speaker 2: like if you're if you're an employee like I am, 274 00:13:28,200 --> 00:13:30,479 Speaker 2: of a publicly traded company, you may be a shareholder 275 00:13:30,520 --> 00:13:34,559 Speaker 2: and also an employee and a customer, so you you 276 00:13:34,640 --> 00:13:38,400 Speaker 2: and you're helping if you're working for a publicly traded company, 277 00:13:38,880 --> 00:13:41,320 Speaker 2: and especially for me, like I want to feel like 278 00:13:41,800 --> 00:13:43,400 Speaker 2: my company is putting out a product that I can 279 00:13:43,440 --> 00:13:46,040 Speaker 2: be proud of. And even the way that millennials choose 280 00:13:46,200 --> 00:13:48,800 Speaker 2: jobs I think is changing, Like there needs to be 281 00:13:49,320 --> 00:13:52,160 Speaker 2: like even though I'm working for a corporation. It's still 282 00:13:52,160 --> 00:13:55,120 Speaker 2: a service driven industry, like we serve people, we help 283 00:13:55,200 --> 00:13:57,880 Speaker 2: them compare you know, financial products in a way that's 284 00:13:57,960 --> 00:14:00,280 Speaker 2: very simple and easy to do. And I can I 285 00:14:00,280 --> 00:14:03,080 Speaker 2: can feel I don't know, I feel like I'm still 286 00:14:03,080 --> 00:14:06,439 Speaker 2: in that service ye industry and that that's an element 287 00:14:06,520 --> 00:14:10,560 Speaker 2: that's important to me. We actually did a survey with 288 00:14:10,600 --> 00:14:13,959 Speaker 2: our with across the whole company, like an engagement survey 289 00:14:14,080 --> 00:14:19,000 Speaker 2: or whatnot, recently, and one of the questions is how 290 00:14:19,360 --> 00:14:23,840 Speaker 2: involved the company is in philanthropic uh efforts, you know, 291 00:14:24,000 --> 00:14:26,120 Speaker 2: do they and do they feel genuine like do you 292 00:14:26,160 --> 00:14:29,880 Speaker 2: feel like we genuinely care about these efforts? And it 293 00:14:30,000 --> 00:14:31,920 Speaker 2: was interesting to see the results and how they and 294 00:14:31,920 --> 00:14:34,320 Speaker 2: then how they varied by age. And Yeah, I think 295 00:14:34,320 --> 00:14:37,520 Speaker 2: that they'd be stupid not to for in terms of 296 00:14:37,560 --> 00:14:40,760 Speaker 2: recruiting and also just like retaining their customer base, not 297 00:14:40,840 --> 00:14:44,520 Speaker 2: to to to focus on those types of efforts to 298 00:14:44,520 --> 00:14:46,760 Speaker 2: to keep their businesses alive. Yeah. 299 00:14:46,760 --> 00:14:48,840 Speaker 1: I thought that was really interesting that like, wow, that 300 00:14:48,880 --> 00:14:50,680 Speaker 1: I'm like, you guys must be really affecting that bottom 301 00:14:50,680 --> 00:14:53,120 Speaker 1: line because I don't know, these big companies to shift 302 00:14:53,200 --> 00:14:56,520 Speaker 1: or move because they feeling formally buzzy exactly for real, 303 00:14:56,520 --> 00:14:58,800 Speaker 1: because you know that for millennias, you know, they're always like, 304 00:14:58,960 --> 00:15:00,920 Speaker 1: you know, you guys don't buy pet food or no, 305 00:15:00,960 --> 00:15:02,960 Speaker 1: that's not true, you do buy that. You guys broke 306 00:15:03,000 --> 00:15:06,200 Speaker 1: the knokin industry. You guys don't buy pantios or whatever. 307 00:15:06,480 --> 00:15:09,760 Speaker 2: That's true, right, But. 308 00:15:09,720 --> 00:15:12,120 Speaker 1: So many industries are so many things. Millennials are entitled. 309 00:15:12,160 --> 00:15:16,520 Speaker 1: Millennials aren't lazy Blineal's millennials millennials. But but look, I 310 00:15:16,560 --> 00:15:18,320 Speaker 1: think that that I mean, to me, this is, this 311 00:15:18,400 --> 00:15:21,600 Speaker 1: is tremendous progress that because you guys are like, there's something, 312 00:15:21,600 --> 00:15:24,440 Speaker 1: there's bigger, bigger things that we should be focused on. 313 00:15:24,640 --> 00:15:28,400 Speaker 1: Let's look holistically at this world and at life. And look, 314 00:15:28,440 --> 00:15:31,880 Speaker 1: you are forcing the hand of these huge conglomerates who really, 315 00:15:31,920 --> 00:15:35,359 Speaker 1: quite honestly, I know, could care less. But because millennials 316 00:15:35,360 --> 00:15:38,240 Speaker 1: are not just talking about it that you are putting 317 00:15:38,280 --> 00:15:40,880 Speaker 1: literally your money where your mouth ish. You're forcing the 318 00:15:40,960 --> 00:15:44,000 Speaker 1: hand of these businesses that otherwise would continue on as 319 00:15:44,040 --> 00:15:46,400 Speaker 1: they've always continued on. So that is a big win 320 00:15:46,480 --> 00:15:49,400 Speaker 1: wroot for millennials. See, Mandy, y'all be doing good things. 321 00:15:49,840 --> 00:15:51,400 Speaker 2: I mean, I feel like all I can say is 322 00:15:51,440 --> 00:15:52,000 Speaker 2: you're welcome. 323 00:15:53,720 --> 00:15:55,400 Speaker 1: You speak for all the millennials. 324 00:15:55,920 --> 00:15:59,040 Speaker 2: You're welcome America. We are making the world a better place. 325 00:15:59,080 --> 00:16:00,760 Speaker 2: Could we just vote though? Oh, can we get to 326 00:16:00,800 --> 00:16:04,160 Speaker 2: the polls, lin, We'll really see, We'll really see. 327 00:16:04,480 --> 00:16:07,000 Speaker 1: Well, one thing, one thing at a time, Millennials. 328 00:16:06,600 --> 00:16:09,160 Speaker 2: One thing at a time. Oh, in true millennial fashion, 329 00:16:09,200 --> 00:16:10,920 Speaker 2: I sat my butt on the couch last night and 330 00:16:11,000 --> 00:16:17,240 Speaker 2: watched the VMAs on MTV when they aired. You know, 331 00:16:17,400 --> 00:16:20,600 Speaker 2: I felt I was like, I watched commercials even I 332 00:16:20,640 --> 00:16:21,400 Speaker 2: was really tired. 333 00:16:21,520 --> 00:16:21,960 Speaker 1: I was. 334 00:16:22,000 --> 00:16:24,360 Speaker 2: I was just so tired. I just I watched like 335 00:16:24,400 --> 00:16:27,280 Speaker 2: maybe an hour of it. Good you know, good, good entertainment. 336 00:16:27,320 --> 00:16:30,560 Speaker 2: I almost knew most of the musical acts. Love Me 337 00:16:30,680 --> 00:16:33,960 Speaker 2: some Lizzo, Love Me some Lizzo. Have love Lizzo for 338 00:16:34,000 --> 00:16:36,200 Speaker 2: so long. I'm so happy for her. Oh my god. 339 00:16:36,400 --> 00:16:38,920 Speaker 1: Yeah, she's just so dope. And honestly, I was really 340 00:16:38,960 --> 00:16:40,320 Speaker 1: gek because you know they you know, they did the 341 00:16:40,840 --> 00:16:44,800 Speaker 1: they shot it in Newark. Yes, Yes, the time was 342 00:16:44,840 --> 00:16:47,680 Speaker 1: a buzz and I love that they really honored New 343 00:16:47,760 --> 00:16:51,600 Speaker 1: Jersey all throughout the VMAs. They had Queen Latifa, who's 344 00:16:51,600 --> 00:16:52,080 Speaker 1: from Newark. 345 00:16:52,200 --> 00:16:54,360 Speaker 2: They cut in to her to every performance. It was like, 346 00:16:54,360 --> 00:16:59,320 Speaker 2: what's Queeney's face. She loved Taylor Swift, which oh Missy Elliot. 347 00:17:00,400 --> 00:17:02,760 Speaker 1: And they also had like Naughty by Nature close out, 348 00:17:02,800 --> 00:17:04,359 Speaker 1: which is like I remember when I was like in 349 00:17:04,480 --> 00:17:07,600 Speaker 1: high school, Naughty by Nature like you know, hip hop paray. Oh, 350 00:17:07,680 --> 00:17:11,439 Speaker 1: they actually had a store downtown Newark. Uh. So it 351 00:17:11,520 --> 00:17:14,639 Speaker 1: was just like such a great you know, just I 352 00:17:14,680 --> 00:17:16,679 Speaker 1: just everybody knew were super excited. They were like pre 353 00:17:16,760 --> 00:17:19,879 Speaker 1: parties and post parties and and so the night before 354 00:17:19,920 --> 00:17:21,320 Speaker 1: I went by to see the red carpet. It was 355 00:17:21,359 --> 00:17:23,840 Speaker 1: just so crazy to see the full build out right 356 00:17:23,880 --> 00:17:26,560 Speaker 1: there downtown Newark. I was like, look at Newark. And then, 357 00:17:26,600 --> 00:17:28,479 Speaker 1: because you know what's so crazy is the day before 358 00:17:28,960 --> 00:17:31,800 Speaker 1: they had the Black Girls Rock taping. So I'm like, yo, 359 00:17:31,920 --> 00:17:35,199 Speaker 1: Newark is really getting cute. So Black Girls Rock on 360 00:17:35,280 --> 00:17:38,240 Speaker 1: Sunday and then in VMA's on Monday. So it was 361 00:17:38,240 --> 00:17:39,720 Speaker 1: just a great weekend for Newark. 362 00:17:39,960 --> 00:17:41,960 Speaker 2: I mean, you can't forget the Jonas brothers. Come on, 363 00:17:42,720 --> 00:17:47,000 Speaker 2: is that from Jersey? You can't forget them. Though it 364 00:17:47,040 --> 00:17:50,000 Speaker 2: wasn't my favorite performance, I knew I should have turned 365 00:17:50,000 --> 00:17:52,200 Speaker 2: it off though I didn't see Naughty by Nature, Yeah, 366 00:17:52,240 --> 00:17:54,960 Speaker 2: they were not I should it should have kept it going. 367 00:17:55,040 --> 00:17:56,760 Speaker 2: I was just like, Wow, I'm really just sitting here 368 00:17:56,800 --> 00:17:59,760 Speaker 2: and like watching commercials and you know, it's cool. It's cool, 369 00:17:59,800 --> 00:18:00,240 Speaker 2: it's cool. 370 00:18:33,000 --> 00:18:35,320 Speaker 1: Are we ready for questions? 371 00:18:37,600 --> 00:18:39,600 Speaker 2: Let's do it. You guys know how to reach us 372 00:18:39,600 --> 00:18:42,800 Speaker 2: if you have any questions career financial. You know, we're 373 00:18:42,800 --> 00:18:46,280 Speaker 2: not go to investment advisors or financial experts quote unquote, 374 00:18:46,520 --> 00:18:48,359 Speaker 2: but we will give you the realist answers we can 375 00:18:48,359 --> 00:18:51,440 Speaker 2: possibly manage based on our joint experience in this world. 376 00:18:52,280 --> 00:18:55,840 Speaker 1: Exactly. We're not financials. We're your financial girlfriends. 377 00:18:56,359 --> 00:18:59,760 Speaker 2: I like that. I'm going to steal that. So to 378 00:19:00,080 --> 00:19:01,840 Speaker 2: contact us, how do you do it? You can hit 379 00:19:01,920 --> 00:19:04,879 Speaker 2: us up on Instagram at Brandabission Podcast. Just shoot us 380 00:19:04,920 --> 00:19:08,359 Speaker 2: a message. Be patient because our inbox has been, you know, 381 00:19:08,359 --> 00:19:10,320 Speaker 2: getting beefy. Some people have been coming for me and 382 00:19:10,359 --> 00:19:13,840 Speaker 2: my personal dms. You guys, that's my off time. I 383 00:19:13,840 --> 00:19:17,120 Speaker 2: don't work at Mandy money is not a work account. 384 00:19:17,280 --> 00:19:21,080 Speaker 2: I'm not taking questions there. Continue hitting us up directly 385 00:19:21,119 --> 00:19:24,440 Speaker 2: at Brandabision Podcast. It also helps me keep organized, Thank 386 00:19:24,480 --> 00:19:27,920 Speaker 2: you very much, or you can email us at Brandabission 387 00:19:27,960 --> 00:19:33,280 Speaker 2: Podcast at gmail dot com. Yes, ma'am, let's take a 388 00:19:33,320 --> 00:19:36,120 Speaker 2: question from a Mama Bear. Mama Bear who goes by 389 00:19:36,119 --> 00:19:39,639 Speaker 2: the name of Amanda, who has an interesting question I 390 00:19:39,680 --> 00:19:42,720 Speaker 2: mentioned earlier on the show about balancing what she feels 391 00:19:42,720 --> 00:19:44,199 Speaker 2: like she should be doing with what she wants to 392 00:19:44,200 --> 00:19:48,040 Speaker 2: do with her finances. Here's amatus question. I'm a mother 393 00:19:48,119 --> 00:19:50,680 Speaker 2: of two nine and three years old. I make good 394 00:19:50,680 --> 00:19:52,760 Speaker 2: money as a designer, and I live in a two 395 00:19:52,840 --> 00:19:55,720 Speaker 2: income household earnie just over two hundred and fifty thousand 396 00:19:55,760 --> 00:19:59,280 Speaker 2: dollars collectively. I've been very focused on paying off student 397 00:19:59,359 --> 00:20:03,960 Speaker 2: loans about fifty thousand dollars left, and saving for retirement, 398 00:20:04,200 --> 00:20:06,959 Speaker 2: maybe paying down our home our mortgage is about two 399 00:20:07,040 --> 00:20:10,119 Speaker 2: hundred and ninety five thousand dollars left on it, and 400 00:20:10,240 --> 00:20:12,919 Speaker 2: thinking about helping my kids for college or even paying 401 00:20:12,920 --> 00:20:16,200 Speaker 2: for their college. But at the same time, I'm reading 402 00:20:16,240 --> 00:20:18,800 Speaker 2: the news and the Amazon's on fire, and the ice 403 00:20:18,840 --> 00:20:21,520 Speaker 2: caps are melting, and crazy people are in office, and 404 00:20:21,560 --> 00:20:24,480 Speaker 2: I worry that my beautiful brown children could be hurt 405 00:20:24,520 --> 00:20:27,800 Speaker 2: by police or in school by a lunatic. So should 406 00:20:27,840 --> 00:20:30,840 Speaker 2: we just go on vacations, maybe see Yellowstone before it 407 00:20:30,840 --> 00:20:32,879 Speaker 2: gets turned into a mall or something, or go to 408 00:20:32,920 --> 00:20:35,720 Speaker 2: Europe before Americans are on permanent time out from the 409 00:20:35,720 --> 00:20:38,200 Speaker 2: rest of the world. I love this question. I hate 410 00:20:38,200 --> 00:20:39,800 Speaker 2: to be so morbid, but I don't know if I 411 00:20:39,800 --> 00:20:42,600 Speaker 2: will have grandchildren. I feel like I have brought children 412 00:20:42,600 --> 00:20:46,560 Speaker 2: into a dying world. Is it stupid to have retirement 413 00:20:46,600 --> 00:20:48,320 Speaker 2: funds when I feel like there may not be a 414 00:20:48,359 --> 00:20:50,440 Speaker 2: retirement in the sense that we think of it now. 415 00:20:51,040 --> 00:20:53,920 Speaker 2: Sorry to be a bummer, but hope you guys can help. 416 00:20:55,160 --> 00:20:59,360 Speaker 2: I really feel for this woman because as a natural pessimist, 417 00:21:00,000 --> 00:21:01,399 Speaker 2: I want to first of all, I'm miss into this 418 00:21:01,520 --> 00:21:04,040 Speaker 2: article that I that I just stockpile these articles to 419 00:21:04,080 --> 00:21:07,040 Speaker 2: remind myself you will live longer if you're an optimist. 420 00:21:07,400 --> 00:21:09,000 Speaker 2: There's an article in the New York Times Date that 421 00:21:09,359 --> 00:21:12,560 Speaker 2: has a study on this. So, first of all, as 422 00:21:12,600 --> 00:21:15,240 Speaker 2: a natural pessimist, I totally I'm thinking about bringing this 423 00:21:15,280 --> 00:21:18,360 Speaker 2: baby into the world, and I'm thinking the same exact thoughts. 424 00:21:18,480 --> 00:21:21,720 Speaker 2: I just haven't written them down, so it's totally normal. 425 00:21:22,440 --> 00:21:24,720 Speaker 2: But Tiffany, I mean, what are your thoughts on letting 426 00:21:25,080 --> 00:21:30,200 Speaker 2: the bad out there and the uncertainty influence your financial choices? 427 00:21:30,200 --> 00:21:33,200 Speaker 2: Because it's a valid question, you know, do everything right 428 00:21:33,280 --> 00:21:36,679 Speaker 2: and get murdered tomorrow or live your life. 429 00:21:37,240 --> 00:21:40,240 Speaker 1: Here's the thing. I totally get it because it is 430 00:21:40,320 --> 00:21:44,120 Speaker 1: worried sound, But can you imagine during World War One, 431 00:21:44,560 --> 00:21:47,280 Speaker 1: what they felt during World War Two, what they felt 432 00:21:47,359 --> 00:21:51,720 Speaker 1: during the Civil War? Like there are there have been 433 00:21:51,760 --> 00:21:54,600 Speaker 1: times during history of great upheaval, and yet here we 434 00:21:54,640 --> 00:21:57,080 Speaker 1: are still. And so I just say all that to 435 00:21:57,119 --> 00:21:59,879 Speaker 1: say that that at the end of the day, you know, 436 00:22:00,119 --> 00:22:04,359 Speaker 1: human beings don't necessarily have the final say that. You know, 437 00:22:05,200 --> 00:22:08,320 Speaker 1: we I know, we create so many issues in the 438 00:22:08,440 --> 00:22:11,320 Speaker 1: environment and with each other, but quite honestly, we always have. 439 00:22:11,480 --> 00:22:14,639 Speaker 1: We've been a hot mess since Adam bit that apple. 440 00:22:14,720 --> 00:22:17,440 Speaker 2: Okay, so bring us down to earth. 441 00:22:18,440 --> 00:22:20,200 Speaker 1: No, But I'm just saying that, like, honestly, human beings 442 00:22:20,200 --> 00:22:22,880 Speaker 1: are a hot mess. We just are, and somehow yet 443 00:22:22,920 --> 00:22:24,960 Speaker 1: we persist, and I'm sure one day we won't. But 444 00:22:24,960 --> 00:22:26,480 Speaker 1: I don't think one day it's going to be in 445 00:22:26,520 --> 00:22:29,080 Speaker 1: the next ten years, quite honestly, so I don't think 446 00:22:29,080 --> 00:22:30,520 Speaker 1: it's going to be the next fifty years or one 447 00:22:30,560 --> 00:22:32,920 Speaker 1: hundred years. So you still have you know, I don't 448 00:22:32,920 --> 00:22:36,440 Speaker 1: want you to throw away your your future because you're 449 00:22:36,440 --> 00:22:39,320 Speaker 1: worried about the present that we have literally done worse 450 00:22:39,680 --> 00:22:44,480 Speaker 1: with less, So I would just continue to be you know, 451 00:22:44,680 --> 00:22:47,240 Speaker 1: continue to Well, here's the thing. You have to balance 452 00:22:47,240 --> 00:22:50,399 Speaker 1: a living in the present. So you should go to 453 00:22:50,560 --> 00:22:54,359 Speaker 1: Yellowstone and enjoy life. You definitely should, But with keeping 454 00:22:54,520 --> 00:22:57,600 Speaker 1: an eye on I still think I'm going to get 455 00:22:57,640 --> 00:23:02,240 Speaker 1: to this desired goal of like seventy eighty ninety years old, 456 00:23:02,840 --> 00:23:05,320 Speaker 1: because you likely will. The likelihood is that you will, 457 00:23:05,680 --> 00:23:09,000 Speaker 1: and so I would manage both that. Enjoy now because 458 00:23:09,000 --> 00:23:12,359 Speaker 1: that's what everybody should be doing anyway. But planning for 459 00:23:12,400 --> 00:23:15,000 Speaker 1: the future is still critical because the likelihood is you're 460 00:23:15,040 --> 00:23:17,199 Speaker 1: going to make it to the future. And guess what, 461 00:23:17,240 --> 00:23:20,240 Speaker 1: We've had terrible presidents like Donald Trump is the worst. 462 00:23:20,480 --> 00:23:23,320 Speaker 1: I mean whatever you're listening, you're like, what, I love him, girl, 463 00:23:23,359 --> 00:23:26,040 Speaker 1: that's your personal choice. He is the worst, right. 464 00:23:25,880 --> 00:23:26,960 Speaker 2: He is in a safe space. 465 00:23:28,400 --> 00:23:31,439 Speaker 1: But I mean, hello Hitler, and yet here we are. 466 00:23:31,560 --> 00:23:33,399 Speaker 2: Okay, he wasn't our president, I know. 467 00:23:33,480 --> 00:23:35,119 Speaker 1: But what I'm just saying that in general, we've had 468 00:23:35,160 --> 00:23:38,320 Speaker 1: some terrible, terrible, terrible leaders in the past, and yet 469 00:23:38,320 --> 00:23:40,520 Speaker 1: here we are. You know people, I mean, if you 470 00:23:40,520 --> 00:23:43,439 Speaker 1: could even imagine, who are worse than Donald Trump. So 471 00:23:43,480 --> 00:23:44,879 Speaker 1: I just say all that to say that we have 472 00:23:45,000 --> 00:23:48,640 Speaker 1: been in similar and terrible situations before and yet here 473 00:23:48,680 --> 00:23:52,159 Speaker 1: we are. Things don't always. Trouble don't last always. That's 474 00:23:52,160 --> 00:23:55,480 Speaker 1: what somebody's grandma, I'm sure has has has said over 475 00:23:55,480 --> 00:23:57,800 Speaker 1: and over that trouble don't last always, and so don't 476 00:23:57,840 --> 00:24:01,520 Speaker 1: plan for trouble. You prepare for trouble, but plan for 477 00:24:02,200 --> 00:24:03,520 Speaker 1: for good things. 478 00:24:03,960 --> 00:24:07,119 Speaker 2: Yeah, I really want And like I said, I'm a 479 00:24:07,200 --> 00:24:09,880 Speaker 2: natural pessimist when it comes to my finances and even 480 00:24:09,960 --> 00:24:12,040 Speaker 2: I'm finding out the future of my child, I'm like, 481 00:24:12,160 --> 00:24:14,480 Speaker 2: I constantly ask myself, what if they're a serial killer? 482 00:24:14,520 --> 00:24:16,880 Speaker 2: How do you not raise a serial killer? Like I'm 483 00:24:16,880 --> 00:24:18,720 Speaker 2: sure there's some great moms out there who gave birth 484 00:24:18,760 --> 00:24:20,679 Speaker 2: a serial Like you know, I'm like, just and I 485 00:24:20,760 --> 00:24:23,000 Speaker 2: have to change the way I have. I just have 486 00:24:23,080 --> 00:24:25,679 Speaker 2: to purposefully. This is one of the reasons I started 487 00:24:25,680 --> 00:24:30,520 Speaker 2: doing pre natal like for New Moms therapy. It's been 488 00:24:30,600 --> 00:24:32,680 Speaker 2: very helpful to me to just change the questions and 489 00:24:32,720 --> 00:24:37,240 Speaker 2: the stories I'm telling myself, because yes, it's in one way, 490 00:24:37,280 --> 00:24:39,199 Speaker 2: it's good to be woke and aware of what's happening 491 00:24:39,200 --> 00:24:41,320 Speaker 2: in the world, But does it really serve you to 492 00:24:41,400 --> 00:24:44,160 Speaker 2: only think about the worst case scenario. No study show 493 00:24:44,200 --> 00:24:47,320 Speaker 2: it makes you die sooner, So I'm trying to be 494 00:24:47,400 --> 00:24:49,399 Speaker 2: more of an optimist, and luckily I've got a husband 495 00:24:49,440 --> 00:24:51,879 Speaker 2: who is an optimist and can shake me out of 496 00:24:51,920 --> 00:24:55,119 Speaker 2: my negativity. Negative spirals sometimes when it comes to your 497 00:24:55,160 --> 00:24:58,040 Speaker 2: finances though, and what really has helped me is I 498 00:24:58,080 --> 00:25:00,200 Speaker 2: have a plan for the best and the worst. Makes 499 00:25:00,240 --> 00:25:02,919 Speaker 2: me feel very comforted to know that should, you know, 500 00:25:03,200 --> 00:25:06,760 Speaker 2: should things go belly side up, you know I will 501 00:25:06,800 --> 00:25:09,800 Speaker 2: have money in the bank, and that I am building 502 00:25:09,840 --> 00:25:12,080 Speaker 2: something now that I can my children can one day 503 00:25:12,080 --> 00:25:15,080 Speaker 2: Inherit makes me feel good. But I'm also focusing on 504 00:25:15,160 --> 00:25:18,639 Speaker 2: my personal happiness and taking a vacation for example, that 505 00:25:18,720 --> 00:25:20,959 Speaker 2: was a big deal for me, and I am putting 506 00:25:20,960 --> 00:25:23,959 Speaker 2: together for our new you know, budget with a child, 507 00:25:24,200 --> 00:25:28,119 Speaker 2: a plan to say, for vacations, because I don't want 508 00:25:28,160 --> 00:25:29,880 Speaker 2: The last thing I want is to feel like I'm 509 00:25:30,119 --> 00:25:34,080 Speaker 2: I'm I'm sacrificing opportunities for my child to enjoy life, 510 00:25:34,119 --> 00:25:36,800 Speaker 2: like traveling and seeing the world, seeing this beautiful world. 511 00:25:36,840 --> 00:25:39,720 Speaker 2: There is so much, there is so much, I believe me. 512 00:25:39,760 --> 00:25:41,959 Speaker 2: I just went you know and saw so much of 513 00:25:42,119 --> 00:25:44,480 Speaker 2: you know, Portugal, and there's so much here in America 514 00:25:44,520 --> 00:25:48,280 Speaker 2: that's still beautiful. Even though yes, the Amazon is dying 515 00:25:48,400 --> 00:25:51,680 Speaker 2: like the the on the whole the world is thriving 516 00:25:52,560 --> 00:25:54,440 Speaker 2: and you just have and there's so much to see, 517 00:25:54,440 --> 00:25:56,639 Speaker 2: and I I don't want you to get caught in 518 00:25:56,680 --> 00:25:59,760 Speaker 2: the negativity and and not be able to enjoy those 519 00:25:59,760 --> 00:26:03,000 Speaker 2: moments for your children's sake too, because I know I 520 00:26:03,040 --> 00:26:05,640 Speaker 2: was a child. You grew up in a very negative 521 00:26:05,720 --> 00:26:07,920 Speaker 2: kind of environment, and look at me now, you don't 522 00:26:07,920 --> 00:26:11,600 Speaker 2: want to like very negative kind of pessimistic. Children really 523 00:26:11,640 --> 00:26:14,399 Speaker 2: absorb the energy I think in the household too, so 524 00:26:14,560 --> 00:26:16,199 Speaker 2: and they need to feel safe and they want to 525 00:26:16,200 --> 00:26:20,200 Speaker 2: feel like their parents have a plan for them. So yeah, 526 00:26:20,240 --> 00:26:22,439 Speaker 2: And I'm speaking to you as a non like, as 527 00:26:22,480 --> 00:26:25,159 Speaker 2: a semi I'm not real parent yet. I'm just you 528 00:26:25,280 --> 00:26:28,159 Speaker 2: are whatever. I'm just a slow cooker right now, I'm not. 529 00:26:29,440 --> 00:26:33,560 Speaker 2: I'm a human instant pot But anyway, that's that's what 530 00:26:33,600 --> 00:26:36,320 Speaker 2: I would say. And you guys earn really good money, 531 00:26:36,320 --> 00:26:38,760 Speaker 2: and I feel like setting aside some money for those 532 00:26:38,760 --> 00:26:42,640 Speaker 2: trips would also help you with your own pessimism, because 533 00:26:42,640 --> 00:26:44,399 Speaker 2: if you see all the good in the world, it 534 00:26:44,440 --> 00:26:47,240 Speaker 2: will just help you counteract those negative headlines and see 535 00:26:47,240 --> 00:26:49,120 Speaker 2: that there is so much more else going on. 536 00:26:50,560 --> 00:26:53,520 Speaker 1: Yeah, No, I like that, I mean, I think and 537 00:26:53,560 --> 00:26:56,199 Speaker 1: honestly too, like we are so spoiled here. Like I 538 00:26:56,200 --> 00:26:57,800 Speaker 1: remember the first time I went to Nigeria and I 539 00:26:57,800 --> 00:27:00,840 Speaker 1: saw how little my cousins had comparison to what I 540 00:27:00,880 --> 00:27:03,280 Speaker 1: had and how much I did about all this stuff, 541 00:27:03,280 --> 00:27:06,680 Speaker 1: and I'm like, wait, the joy, the level of joy 542 00:27:07,200 --> 00:27:12,439 Speaker 1: astounded me. I just remember being like, you, where's this 543 00:27:12,480 --> 00:27:15,600 Speaker 1: happening is coming from? You know, because you know, to us, 544 00:27:15,640 --> 00:27:17,159 Speaker 1: it's like, well, you don't have Jordan's, you don't have this, 545 00:27:17,320 --> 00:27:19,199 Speaker 1: you don't have that. And even I don't find my 546 00:27:19,440 --> 00:27:24,840 Speaker 1: I don't consider myself to be super materialistic, and I 547 00:27:24,880 --> 00:27:29,480 Speaker 1: still was like, wow, the level of joy had nothing 548 00:27:29,520 --> 00:27:34,360 Speaker 1: to do with the level of material acquisition because they had, 549 00:27:34,600 --> 00:27:37,080 Speaker 1: Like not that my cousins have nothing, but in comparison 550 00:27:37,119 --> 00:27:39,359 Speaker 1: to what I had, you know. And I just remember 551 00:27:39,400 --> 00:27:42,800 Speaker 1: thinking that, like, joy really does come from within and 552 00:27:42,880 --> 00:27:46,000 Speaker 1: all these external things. You know, if you really work 553 00:27:46,040 --> 00:27:49,040 Speaker 1: at it, they don't have to steal your joy. You 554 00:27:49,040 --> 00:27:51,679 Speaker 1: can choose. It's not easy, I mean, for there are 555 00:27:51,680 --> 00:27:54,080 Speaker 1: some cultures that lean into it more than others, but 556 00:27:54,080 --> 00:27:56,280 Speaker 1: they're doing it, which means that it's out there to 557 00:27:56,359 --> 00:27:59,760 Speaker 1: have and so yeah, that you know, I just think 558 00:27:59,760 --> 00:28:02,879 Speaker 1: that working on being grateful for day to day things. 559 00:28:02,920 --> 00:28:04,800 Speaker 1: I don't know if you keep a gratitude journal. I 560 00:28:04,880 --> 00:28:06,520 Speaker 1: used to do this thing, which I should get back 561 00:28:06,520 --> 00:28:08,640 Speaker 1: to it that every time something goold happened, I would 562 00:28:08,640 --> 00:28:11,560 Speaker 1: write it on a scrap piece of paper and I 563 00:28:11,680 --> 00:28:13,880 Speaker 1: put it in this little jar that I would keep 564 00:28:13,880 --> 00:28:15,480 Speaker 1: on my desk, and like you know, like literally I 565 00:28:15,480 --> 00:28:16,800 Speaker 1: would have stuff in my bag and at the end 566 00:28:16,800 --> 00:28:18,120 Speaker 1: of the week, I would like dump it out and 567 00:28:18,200 --> 00:28:20,720 Speaker 1: dump all the good things that happened in this jar. 568 00:28:20,800 --> 00:28:23,159 Speaker 1: And then January first, I would pull it out and 569 00:28:23,240 --> 00:28:26,240 Speaker 1: read it and it would just be so amazing, like, oh, 570 00:28:26,320 --> 00:28:28,960 Speaker 1: I remember Geral surprise me with ice cream that day, 571 00:28:29,320 --> 00:28:31,919 Speaker 1: or oh that's the day Supergirl told me she loved me, 572 00:28:31,960 --> 00:28:34,440 Speaker 1: And you know, there were like these small little things 573 00:28:34,440 --> 00:28:37,680 Speaker 1: that made me realize what an amazing, wonderful joy field 574 00:28:37,840 --> 00:28:39,880 Speaker 1: year that I had. So maybe doing that with your family, 575 00:28:39,960 --> 00:28:43,040 Speaker 1: like creating like a joy bucket where you're just putting 576 00:28:43,720 --> 00:28:46,800 Speaker 1: making note of things, joyful little things that happen, and 577 00:28:46,840 --> 00:28:49,440 Speaker 1: then reading through them together so you could really acknowledge, 578 00:28:49,480 --> 00:28:53,560 Speaker 1: like you know, just how blessed you are. 579 00:28:54,200 --> 00:28:56,000 Speaker 2: Now, that's one thing that my therapist talk to me 580 00:28:56,000 --> 00:28:59,240 Speaker 2: about is to counteract the negativity, to write out the 581 00:28:59,280 --> 00:29:02,520 Speaker 2: positive thing. And that's why it's all about just flooding 582 00:29:02,560 --> 00:29:05,360 Speaker 2: the negativity with the positive light that you see. And 583 00:29:05,400 --> 00:29:07,880 Speaker 2: when you take that time, look at your children. I'm 584 00:29:07,880 --> 00:29:10,400 Speaker 2: sure they're very adorable. I'm sure that they have so 585 00:29:10,400 --> 00:29:12,080 Speaker 2: many moments of joy throughout the day that you can 586 00:29:12,080 --> 00:29:16,560 Speaker 2: focus on instead all that. And I know it's hard 587 00:29:16,560 --> 00:29:19,960 Speaker 2: work and I'm working on it too. But hopefully Amanda 588 00:29:20,440 --> 00:29:23,160 Speaker 2: from another Amanda who's a pessimist, are you me? I 589 00:29:23,200 --> 00:29:27,760 Speaker 2: don't know me and my future. That'll that'll that'll help 590 00:29:27,800 --> 00:29:30,360 Speaker 2: you just to try and shift your own mindset and 591 00:29:30,400 --> 00:29:32,160 Speaker 2: take it. It sounds like you need a vacation, girl, 592 00:29:32,240 --> 00:29:36,000 Speaker 2: go on a vacation asap. Yeah, get thee too, Yellowstone. 593 00:29:36,640 --> 00:29:42,040 Speaker 2: Go all right, let's take one more question from Let's 594 00:29:42,080 --> 00:29:45,920 Speaker 2: go to the gram. This question comes from mo Tips 595 00:29:46,280 --> 00:29:49,880 Speaker 2: Underscore Fitness, who has a twenty two year old son 596 00:29:50,040 --> 00:29:54,360 Speaker 2: who is acting like some twenty somethings do and being 597 00:29:54,360 --> 00:29:57,600 Speaker 2: a little irresponsible with his credit card. So here's mo 598 00:29:57,720 --> 00:30:01,840 Speaker 2: tips question. So, my son maxed out his one credit card. 599 00:30:02,040 --> 00:30:04,600 Speaker 2: It's the only thing he has as far as established 600 00:30:04,600 --> 00:30:07,640 Speaker 2: credit So now his score is three hundred and eighty three. 601 00:30:08,480 --> 00:30:11,080 Speaker 2: Oh my god. He has one hundred and nine percent 602 00:30:11,120 --> 00:30:13,960 Speaker 2: utilization on this card. He owes five hundred and forty 603 00:30:13,960 --> 00:30:16,760 Speaker 2: four dollars on it. He and my other son at 604 00:30:16,760 --> 00:30:19,640 Speaker 2: the same time are about to submit their apartment application 605 00:30:19,760 --> 00:30:22,680 Speaker 2: next week and they'll be roommates. Against my advice, he 606 00:30:22,720 --> 00:30:25,000 Speaker 2: didn't stick to staying within a thirty percent limit, and 607 00:30:25,040 --> 00:30:28,600 Speaker 2: now he needs help paying off this credit card because 608 00:30:28,600 --> 00:30:30,400 Speaker 2: when he applies for this apartment with his brother, they 609 00:30:30,440 --> 00:30:33,840 Speaker 2: may get rejected. I told him to help pay off 610 00:30:33,840 --> 00:30:36,400 Speaker 2: his credit card, I would give him a portion of 611 00:30:36,440 --> 00:30:39,040 Speaker 2: my security deposit I'm going to get back from my 612 00:30:39,120 --> 00:30:42,160 Speaker 2: current apartment after we move out, But I told him 613 00:30:42,160 --> 00:30:43,920 Speaker 2: he needs to pay off his credit card with it. 614 00:30:44,320 --> 00:30:48,040 Speaker 2: He's been making monthly payments, but the minimum payment only. 615 00:30:48,520 --> 00:30:50,800 Speaker 2: I'm wondering should I assist him and pay it down 616 00:30:50,800 --> 00:30:54,400 Speaker 2: to thirty percent and just keep my security deposit, or 617 00:30:54,440 --> 00:30:57,240 Speaker 2: should I keep my promise to him and wait for 618 00:30:57,320 --> 00:31:00,280 Speaker 2: my security deposit and give it to him. Then I'm 619 00:31:00,320 --> 00:31:02,360 Speaker 2: afraid that he won't learn the lesson, and I don't 620 00:31:02,400 --> 00:31:05,000 Speaker 2: think he cares or understands about credit scores right now. 621 00:31:05,040 --> 00:31:08,400 Speaker 2: Anyway from MO, tips. 622 00:31:09,120 --> 00:31:14,080 Speaker 1: MO, Mama, mom, MO his thing. Twenty two years old, 623 00:31:14,520 --> 00:31:18,600 Speaker 1: it's still like he's still a baby when it comes 624 00:31:18,640 --> 00:31:22,720 Speaker 1: to money. So what you do now is going to 625 00:31:22,720 --> 00:31:24,520 Speaker 1: help to set the tone whether or not he's going 626 00:31:24,560 --> 00:31:27,120 Speaker 1: to be sleeping on that couch when he's thirty years old. MO, 627 00:31:27,920 --> 00:31:32,760 Speaker 1: get focus. MO. Do not bail this man out, because 628 00:31:32,760 --> 00:31:35,480 Speaker 1: if you do, MO, He's going to keep coming back 629 00:31:35,520 --> 00:31:38,000 Speaker 1: to you. He's never going to learn the lesson. I 630 00:31:38,000 --> 00:31:40,840 Speaker 1: would not give him that security deposit, and I would 631 00:31:40,920 --> 00:31:44,400 Speaker 1: not bail him out because he's young, meaning that if 632 00:31:44,400 --> 00:31:46,720 Speaker 1: he messes up his credit at twenty two, a little bit, 633 00:31:46,840 --> 00:31:48,560 Speaker 1: he can rebound. It's not the end of the world. 634 00:31:48,720 --> 00:31:51,200 Speaker 1: But if you bail him out, he will constantly think 635 00:31:51,240 --> 00:31:53,000 Speaker 1: that mom's got a, Mom's got a, Mom's got it. 636 00:31:53,440 --> 00:31:57,160 Speaker 1: So instead, you know, you can I mean, you have 637 00:31:57,240 --> 00:31:59,720 Speaker 1: to walk him through the process of fixing this. That's 638 00:31:59,760 --> 00:32:01,960 Speaker 1: really what he needs right now. He needs someone to 639 00:32:02,040 --> 00:32:04,640 Speaker 1: walk him through the process of fixing this. It needs 640 00:32:04,680 --> 00:32:07,160 Speaker 1: to be made hard for him so he doesn't want 641 00:32:07,200 --> 00:32:08,920 Speaker 1: to come back here again. One of the best things 642 00:32:08,920 --> 00:32:11,480 Speaker 1: that my dad ever did for me was make it 643 00:32:11,520 --> 00:32:16,280 Speaker 1: difficult to live at home, right like because it may 644 00:32:16,680 --> 00:32:19,560 Speaker 1: may mean like I want to be more financially responsible 645 00:32:19,600 --> 00:32:21,360 Speaker 1: because I want to get my own place. I want 646 00:32:21,400 --> 00:32:23,080 Speaker 1: to be able to take care of myself. I want 647 00:32:23,080 --> 00:32:24,760 Speaker 1: to be able to have good credit so I could 648 00:32:24,760 --> 00:32:27,760 Speaker 1: have got my apartment. And so when we make life 649 00:32:27,920 --> 00:32:31,600 Speaker 1: life too easy for kids, they then they stay kids. 650 00:32:32,200 --> 00:32:35,720 Speaker 1: And he's twenty two, so he's not, you know, he's 651 00:32:36,120 --> 00:32:40,040 Speaker 1: just one pinky toe into like full adulthood, because twenty 652 00:32:40,040 --> 00:32:42,160 Speaker 1: two is like around the time you just graduated college, 653 00:32:42,160 --> 00:32:44,640 Speaker 1: maybe a year or so ago. Maybe if they get 654 00:32:44,640 --> 00:32:48,480 Speaker 1: about grad school, maybe you're not you know, so yeah, 655 00:32:48,520 --> 00:32:50,840 Speaker 1: that would be My suggestion is to walk him through 656 00:32:50,880 --> 00:32:54,080 Speaker 1: the solution of this is why your credit scored the 657 00:32:54,080 --> 00:32:56,000 Speaker 1: way it is the way it is. You're not going 658 00:32:56,040 --> 00:32:57,640 Speaker 1: to be able to get an apartment. Do you understand 659 00:32:57,640 --> 00:32:59,000 Speaker 1: that you're not going to be able to get a car. 660 00:32:59,280 --> 00:33:00,880 Speaker 1: I'm telling you he doesn't care about a credit score, 661 00:33:00,920 --> 00:33:02,720 Speaker 1: but he does care about a car and an apartment. 662 00:33:02,960 --> 00:33:05,400 Speaker 1: So relate it back to what he cares about, and 663 00:33:05,440 --> 00:33:07,040 Speaker 1: to say, if you want to get an apartment in 664 00:33:07,080 --> 00:33:10,520 Speaker 1: a car, I will help you to raise your credit 665 00:33:10,600 --> 00:33:13,160 Speaker 1: score and to get out of this debt by showing 666 00:33:13,200 --> 00:33:16,080 Speaker 1: you how to do so. But if not, then you're 667 00:33:16,120 --> 00:33:17,800 Speaker 1: not gonna be able to have any of those things. 668 00:33:18,280 --> 00:33:20,760 Speaker 2: Yeah, with a credit score that low, they might deny 669 00:33:20,840 --> 00:33:23,160 Speaker 2: him lickety's flit for that apartment. I've never even seen 670 00:33:23,200 --> 00:33:25,360 Speaker 2: a credit card, so that the congratulations, my friend, that 671 00:33:25,480 --> 00:33:29,000 Speaker 2: is epic. But the good news is that it's only 672 00:33:29,040 --> 00:33:31,360 Speaker 2: I mean, I'm saying only, but to him, it's probably 673 00:33:31,360 --> 00:33:34,440 Speaker 2: a lot of money. It's five hundred dollars, and she says, 674 00:33:34,480 --> 00:33:36,800 Speaker 2: he does, he does. He has just started a full 675 00:33:36,880 --> 00:33:40,000 Speaker 2: a new full time job as a jewelry repair person, 676 00:33:40,200 --> 00:33:42,120 Speaker 2: So it sounds like he's got a source of income. 677 00:33:42,280 --> 00:33:45,960 Speaker 2: Why instead of maybe his consequence that he needs is 678 00:33:46,000 --> 00:33:48,200 Speaker 2: that he doesn't. He can't get a proof of this apartment, 679 00:33:48,560 --> 00:33:50,840 Speaker 2: so he needs to live with you for a little longer. 680 00:33:50,960 --> 00:33:53,480 Speaker 2: And with his first paycheck, pay off his credit card, 681 00:33:53,920 --> 00:33:55,760 Speaker 2: you know, first paycheck or two, just pay off his 682 00:33:55,760 --> 00:33:58,280 Speaker 2: credit card, get his credit score in shape. Once he 683 00:33:58,280 --> 00:34:00,640 Speaker 2: pays out that card, it's going to jump, like Tiffany says, 684 00:34:00,680 --> 00:34:03,440 Speaker 2: like Jordan, and he'll be in better shape. And then 685 00:34:03,480 --> 00:34:06,560 Speaker 2: maybe that's the hard lesson he needs that Oh, because 686 00:34:06,640 --> 00:34:09,399 Speaker 2: I was careless with my credit card. Now I'm stuck 687 00:34:09,440 --> 00:34:12,440 Speaker 2: living with mom for you know, two or three more months. 688 00:34:12,480 --> 00:34:14,960 Speaker 2: But it's at the same time, be grateful because it's 689 00:34:14,960 --> 00:34:16,600 Speaker 2: only it can only take you a few months to 690 00:34:16,600 --> 00:34:18,600 Speaker 2: pay that off if you've got a full time job. Probably, 691 00:34:19,920 --> 00:34:21,920 Speaker 2: And in that way you're helping him by providing him 692 00:34:21,920 --> 00:34:25,319 Speaker 2: a roof over his head, but not actually paying off 693 00:34:25,360 --> 00:34:28,279 Speaker 2: the card and making it too too easy for him. 694 00:34:29,880 --> 00:34:32,520 Speaker 1: Yeah, for sure, because I'm telling you like I get it, 695 00:34:32,560 --> 00:34:34,879 Speaker 1: because you stay to yourself, it's five hundred dollars, I'll 696 00:34:34,920 --> 00:34:36,480 Speaker 1: just do it. No, you'll be doing it over and 697 00:34:36,520 --> 00:34:38,120 Speaker 1: over and over and over and over again. I've met 698 00:34:38,120 --> 00:34:40,360 Speaker 1: a young woman who said that she ran up her cars. 699 00:34:40,360 --> 00:34:42,439 Speaker 1: Her parents bailed her out, She ran them up again, 700 00:34:42,480 --> 00:34:44,520 Speaker 1: her parents bailed her out, she ran them up again. 701 00:34:44,560 --> 00:34:46,200 Speaker 1: They didn't have the money to bail her out because 702 00:34:46,200 --> 00:34:48,680 Speaker 1: they had run out of money, and she felt so bad. 703 00:34:48,760 --> 00:34:50,920 Speaker 1: She figured out finally had to bail herself out, and 704 00:34:51,000 --> 00:34:52,680 Speaker 1: she wished that they had never bailed her out in 705 00:34:52,680 --> 00:34:54,640 Speaker 1: the beginning because now she feels the sense of guilt 706 00:34:55,000 --> 00:34:57,520 Speaker 1: that she put them in a tough financial spot. So 707 00:34:58,560 --> 00:35:01,120 Speaker 1: don't bail him out. Give him the tools to build 708 00:35:01,120 --> 00:35:01,680 Speaker 1: his own shop. 709 00:35:01,719 --> 00:35:05,080 Speaker 2: Out and help him understand why he macks out his 710 00:35:05,080 --> 00:35:07,080 Speaker 2: card in the first place, and how to avoid it 711 00:35:07,120 --> 00:35:12,360 Speaker 2: in the future. Teaching moment, Yes, but thank you for 712 00:35:12,400 --> 00:35:14,560 Speaker 2: your question. That's a good one. Oh Lord, how to 713 00:35:14,640 --> 00:35:16,560 Speaker 2: raise a kid who's finished? I'm going to start all 714 00:35:16,600 --> 00:35:18,360 Speaker 2: I'm going to have to reread all the articles on 715 00:35:18,440 --> 00:35:20,040 Speaker 2: how to raise a kid who knows what they're doing 716 00:35:20,040 --> 00:35:22,560 Speaker 2: with their money, because I just I just don't know 717 00:35:22,600 --> 00:35:24,120 Speaker 2: how do I raise a kid who knows what they're doing. 718 00:35:24,760 --> 00:35:27,920 Speaker 1: When you're ready, just call Randy Alice. Okay, that's my father. 719 00:35:28,120 --> 00:35:29,840 Speaker 1: You what you know, he raised fives. 720 00:35:30,280 --> 00:35:32,120 Speaker 2: But you're the one who's always like, they're shocked that 721 00:35:32,200 --> 00:35:34,360 Speaker 2: I'm even successful because I was a hooligan. 722 00:35:35,719 --> 00:35:37,640 Speaker 1: I mean their shocked. I'm like, like, you know, cause 723 00:35:37,640 --> 00:35:39,880 Speaker 1: I was not. I mean honestly, I wasn't even I 724 00:35:39,960 --> 00:35:42,440 Speaker 1: was what I call Nigerian bad. Like I talked in class. 725 00:35:42,920 --> 00:35:46,080 Speaker 1: It's still got good grades for a different bar for real, yes, exactly, 726 00:35:46,320 --> 00:35:50,000 Speaker 1: Like there wasn't drugs and alcohol and like teenage sex. 727 00:35:50,120 --> 00:35:52,719 Speaker 1: None of that was happening. Nigerian bad. Is is that 728 00:35:52,800 --> 00:35:55,320 Speaker 1: a sea? And your teacher said that you were talking 729 00:35:55,320 --> 00:35:58,000 Speaker 1: to your friend in class? I was like here, so 730 00:35:58,320 --> 00:36:00,640 Speaker 1: like yeah, no, no, when it came to finance, though, 731 00:36:00,680 --> 00:36:03,360 Speaker 1: like no, we were always the only one that's probably 732 00:36:03,400 --> 00:36:05,719 Speaker 1: not as responsible as Lisa. But she's the baby, and 733 00:36:05,760 --> 00:36:07,680 Speaker 1: I'm if I'm gonna be all the honest. We raised 734 00:36:07,719 --> 00:36:10,520 Speaker 1: her and we clearly, you know, little missteps here and there, 735 00:36:11,600 --> 00:36:13,120 Speaker 1: but no, but my dad was really one of the 736 00:36:13,160 --> 00:36:14,880 Speaker 1: things that he was really good at. And the lesson 737 00:36:15,239 --> 00:36:18,080 Speaker 1: that I took away is that my father was really 738 00:36:18,080 --> 00:36:21,440 Speaker 1: good at aligning what we cared about with what he 739 00:36:21,480 --> 00:36:24,160 Speaker 1: cared about. So it wasn't this is the water bill 740 00:36:24,200 --> 00:36:27,799 Speaker 1: because kids don't care. It was that's why we didn't 741 00:36:27,800 --> 00:36:30,759 Speaker 1: go to Disney World. Wait what Disney World. It wasn't 742 00:36:30,760 --> 00:36:33,400 Speaker 1: this is the light bill. It was that's why we 743 00:36:33,400 --> 00:36:35,359 Speaker 1: can't get ice cream from the ice cream man when 744 00:36:35,360 --> 00:36:37,560 Speaker 1: he comes around. So I cared about ice cream, I 745 00:36:37,560 --> 00:36:39,839 Speaker 1: cared about Disney. I cared about those things. And then 746 00:36:39,880 --> 00:36:43,120 Speaker 1: he would say, those things either can happen or won't 747 00:36:43,160 --> 00:36:46,200 Speaker 1: happen based upon the lights, the water, and everything else. 748 00:36:46,520 --> 00:36:47,880 Speaker 1: But do you see how all of a sudden I 749 00:36:47,920 --> 00:36:50,800 Speaker 1: care about water, lights, all of these things because it 750 00:36:50,880 --> 00:36:52,480 Speaker 1: led to the end goal of what I wanted. So 751 00:36:52,680 --> 00:36:55,200 Speaker 1: if I could give like, well, like, the biggest takeaway 752 00:36:55,280 --> 00:36:58,919 Speaker 1: of like being raised by financially responsible parents who raised 753 00:36:58,920 --> 00:37:03,160 Speaker 1: financially responsible kids is aligning what your kid cares about 754 00:37:03,320 --> 00:37:05,600 Speaker 1: with what you care about, because you're never going to 755 00:37:05,640 --> 00:37:07,279 Speaker 1: get them to care about your water bill, your life 756 00:37:07,280 --> 00:37:09,480 Speaker 1: and all those other things. And so he was really 757 00:37:09,560 --> 00:37:10,160 Speaker 1: really good at that. 758 00:37:10,640 --> 00:37:14,560 Speaker 2: Sounds also like marriage and managing your finances with the partner. 759 00:37:14,880 --> 00:37:18,400 Speaker 2: I'm seeing some overlap. Okay, all right, well, thank you 760 00:37:18,400 --> 00:37:20,560 Speaker 2: guys so much for your questions. Again, we're brand Ambition 761 00:37:20,719 --> 00:37:23,120 Speaker 2: Podcast on Instagram or you can hit us up at 762 00:37:23,160 --> 00:37:25,400 Speaker 2: Brannambisson Podcast at gmail dot com. 763 00:37:25,600 --> 00:37:45,759 Speaker 1: Goca boo. Now it's time to boost a break with 764 00:37:45,800 --> 00:37:49,120 Speaker 1: all our family. Will you boost? Will you break? What 765 00:37:49,239 --> 00:37:51,520 Speaker 1: will it be? Mandy? 766 00:37:54,120 --> 00:37:56,439 Speaker 2: I know I just talked a big game about being, 767 00:37:57,040 --> 00:38:00,239 Speaker 2: you know, recovering pessimist. But I need I need to then. 768 00:38:00,840 --> 00:38:03,360 Speaker 2: I need to do a break today. Okay, I'll be 769 00:38:03,400 --> 00:38:08,359 Speaker 2: optimistic next week, I promise. Maybe. So I'm gonna take 770 00:38:08,400 --> 00:38:11,960 Speaker 2: a break from the complainers on your team at the 771 00:38:11,960 --> 00:38:15,120 Speaker 2: office or wherever you work, whatever team you have, the 772 00:38:15,239 --> 00:38:19,759 Speaker 2: people who have because everyone in your jobs you have challenges, right, 773 00:38:19,880 --> 00:38:22,440 Speaker 2: you get projects thrown your way with a tight timeline. 774 00:38:23,000 --> 00:38:25,600 Speaker 2: You you know, you have a new person on your 775 00:38:25,600 --> 00:38:29,720 Speaker 2: team who you know is posing some challenges, or someone 776 00:38:29,960 --> 00:38:32,080 Speaker 2: you know quits and you've got to you know, fill 777 00:38:32,160 --> 00:38:34,480 Speaker 2: their their role. Like there's always stuff that's going to 778 00:38:34,520 --> 00:38:37,640 Speaker 2: happen when you're working for any job, you know, whether 779 00:38:37,680 --> 00:38:40,600 Speaker 2: it's for yourself or for a company. But what drives 780 00:38:40,640 --> 00:38:43,680 Speaker 2: me crazy is people who cannot handle those challenges and 781 00:38:44,200 --> 00:38:47,440 Speaker 2: get in this like complaint, Like they'd rather complain about 782 00:38:47,960 --> 00:38:50,360 Speaker 2: what's in front of them then like just get the 783 00:38:50,360 --> 00:38:52,279 Speaker 2: shit done and come up with a game plan to 784 00:38:52,400 --> 00:38:55,160 Speaker 2: like make it happen. It drives me nuts because I 785 00:38:56,560 --> 00:39:01,439 Speaker 2: feel like sometimes problems only they just they can cause 786 00:39:01,440 --> 00:39:03,279 Speaker 2: anxiety and they feel so much bigger than they are 787 00:39:03,680 --> 00:39:05,440 Speaker 2: when you don't sit down and just write your to 788 00:39:05,480 --> 00:39:08,040 Speaker 2: do list, like how do I solve this check check? 789 00:39:08,080 --> 00:39:09,719 Speaker 2: You know, I can do these three things to make 790 00:39:09,719 --> 00:39:12,160 Speaker 2: this problem better. I can do it today and this 791 00:39:12,239 --> 00:39:14,200 Speaker 2: problem is solved, and hey, look at me. I'm a 792 00:39:14,280 --> 00:39:17,000 Speaker 2: contributor to the team. And it's just and you know, 793 00:39:17,040 --> 00:39:18,880 Speaker 2: whether they're on my team or on other teams, and 794 00:39:18,920 --> 00:39:22,120 Speaker 2: I have to work interact with them. They it's like 795 00:39:22,120 --> 00:39:23,920 Speaker 2: when you see people who aren't doing your job well 796 00:39:23,960 --> 00:39:26,760 Speaker 2: and you're just like, come on, man, it's not that hard. 797 00:39:27,239 --> 00:39:29,439 Speaker 2: It drives me insane to no end. And it also 798 00:39:29,560 --> 00:39:32,640 Speaker 2: just like brings down the mood of a team, and 799 00:39:32,680 --> 00:39:35,200 Speaker 2: it brings down the mood of an office. And it 800 00:39:35,239 --> 00:39:38,279 Speaker 2: doesn't have to be that way, you know. It's almost like, 801 00:39:38,719 --> 00:39:41,239 Speaker 2: just tell yourself a different story about the challenges in 802 00:39:41,280 --> 00:39:43,960 Speaker 2: front of you. I can do this, and here's how 803 00:39:43,960 --> 00:39:45,600 Speaker 2: I can do it. I'm gonna ask for these three 804 00:39:45,640 --> 00:39:49,040 Speaker 2: things to help me accomplish this, and that actually will 805 00:39:49,080 --> 00:39:52,040 Speaker 2: impress any managers to like and it makes me value 806 00:39:52,040 --> 00:39:54,399 Speaker 2: to people on my team who are like that. They 807 00:39:54,520 --> 00:39:56,759 Speaker 2: see problems in front of them and they come to 808 00:39:56,800 --> 00:39:58,839 Speaker 2: me with, oh, I have this thing that happened, and 809 00:39:58,960 --> 00:40:01,640 Speaker 2: oh I had this idea how we can fix it. Listen, 810 00:40:01,760 --> 00:40:03,320 Speaker 2: I want to get these people like a hugging and 811 00:40:03,360 --> 00:40:06,000 Speaker 2: kiss every day. That is how you really, That's how 812 00:40:06,040 --> 00:40:09,600 Speaker 2: you get raises, promotions. You impress people that way. That 813 00:40:09,719 --> 00:40:11,640 Speaker 2: is the key to success as far as I'm concerned, 814 00:40:12,960 --> 00:40:14,640 Speaker 2: And I just needed to let that be known. 815 00:40:15,640 --> 00:40:17,359 Speaker 1: No, I love that. You're right. It is hard when 816 00:40:17,400 --> 00:40:19,400 Speaker 1: you're working with someone because you're like, oh my gosh, 817 00:40:19,160 --> 00:40:22,319 Speaker 1: we already acknowledge this as a challenge, and you're not 818 00:40:22,400 --> 00:40:24,840 Speaker 1: making it. You're making the challenge. It's literally like a 819 00:40:24,960 --> 00:40:27,560 Speaker 1: rock around your neck. You're like, I'm trying to swim 820 00:40:27,600 --> 00:40:30,160 Speaker 1: against the tide and now I've got this rock tie 821 00:40:30,200 --> 00:40:32,920 Speaker 1: that's weighing us down. It's like, that's why everybody in 822 00:40:32,920 --> 00:40:35,000 Speaker 1: college used to hate the group projects. You're like a 823 00:40:35,000 --> 00:40:35,680 Speaker 1: group project. 824 00:40:35,760 --> 00:40:39,680 Speaker 2: Yeah, yeah, life is one of the group project though 825 00:40:39,760 --> 00:40:41,160 Speaker 2: you know it is. 826 00:40:41,320 --> 00:40:43,319 Speaker 1: It is, and you're right that if you don't change 827 00:40:43,320 --> 00:40:46,359 Speaker 1: the narrative, it's going to be a long life, a long, 828 00:40:46,480 --> 00:40:49,280 Speaker 1: miserable life. And it's easy to go down that rabbit 829 00:40:49,280 --> 00:40:51,799 Speaker 1: hole of like, oh my gosh, it's so hot, you know. 830 00:40:51,840 --> 00:40:55,799 Speaker 1: But I've learned, you know, to embrace our challenges, like 831 00:40:56,320 --> 00:40:57,759 Speaker 1: on our team, like you know that these can be 832 00:40:57,800 --> 00:41:00,160 Speaker 1: fun things that we can overcome, and also setting the 833 00:41:00,520 --> 00:41:02,600 Speaker 1: tone for the rest of the team. But it is hard, 834 00:41:03,000 --> 00:41:04,920 Speaker 1: you know, when you don't have a choice. And I 835 00:41:04,960 --> 00:41:07,120 Speaker 1: don't know why some folks bring some I guess sometimes 836 00:41:07,120 --> 00:41:09,640 Speaker 1: it's just it's just habit. Some people are e. 837 00:41:09,680 --> 00:41:12,239 Speaker 2: Or I think that they've been and I've been maybe 838 00:41:12,280 --> 00:41:14,239 Speaker 2: I've been reading too many leadership books. Okay, I've been 839 00:41:14,239 --> 00:41:17,719 Speaker 2: reading one leadership book lately, but this part I wanted 840 00:41:17,719 --> 00:41:19,040 Speaker 2: to like get up out of my seat. I was 841 00:41:19,040 --> 00:41:20,840 Speaker 2: listening to the audiobook on the train and just like 842 00:41:20,920 --> 00:41:23,919 Speaker 2: clap because there's one part where she talks about rewarding 843 00:41:24,320 --> 00:41:28,439 Speaker 2: exhaustion and rewarding hard like people who you know, show 844 00:41:28,480 --> 00:41:30,920 Speaker 2: how hard they're working. And I think this person who 845 00:41:30,960 --> 00:41:33,000 Speaker 2: I'm thinking of now and people who I worked with 846 00:41:33,040 --> 00:41:35,520 Speaker 2: before who are complainers, maybe in the past they were, 847 00:41:35,560 --> 00:41:37,440 Speaker 2: they were they thought that that was their way of 848 00:41:37,480 --> 00:41:39,520 Speaker 2: getting credit for all the work they're doing, is to 849 00:41:39,600 --> 00:41:42,799 Speaker 2: complain about how hard everything is. I'm like, that's not 850 00:41:42,840 --> 00:41:45,360 Speaker 2: how this that's not how I want to run my team. 851 00:41:45,760 --> 00:41:49,040 Speaker 2: And it just it creates the wrong reward system, like 852 00:41:49,160 --> 00:41:51,800 Speaker 2: don't reward you know, I kick people out of the 853 00:41:51,840 --> 00:41:54,279 Speaker 2: office if they're staying too late. When people tell me, oh, 854 00:41:54,320 --> 00:41:56,279 Speaker 2: I'll do that on the weekend, I'm like, why I 855 00:41:56,320 --> 00:41:58,160 Speaker 2: wouldn't do it on the weekend. Stop, you're not doing 856 00:41:58,200 --> 00:42:01,640 Speaker 2: that on the weekend. And but at the same time, 857 00:42:01,760 --> 00:42:03,759 Speaker 2: like if you when you sometimes you deal with people 858 00:42:03,760 --> 00:42:06,640 Speaker 2: who come with their own like baggage from former jobs, 859 00:42:06,680 --> 00:42:08,600 Speaker 2: and this is the way they've always operated, and you 860 00:42:08,640 --> 00:42:10,560 Speaker 2: have to kind of like learn how to help them 861 00:42:10,560 --> 00:42:15,799 Speaker 2: shift their own mentality around different challenges. But it's it's 862 00:42:15,840 --> 00:42:18,160 Speaker 2: not good if you're the complainer on the team. Change 863 00:42:18,160 --> 00:42:20,239 Speaker 2: it now, Change it now, because you're slowly driving people 864 00:42:20,320 --> 00:42:26,440 Speaker 2: nuts and they hate working with you. Just letting you know. Solutions, people, solutions, 865 00:42:26,920 --> 00:42:29,040 Speaker 2: How are you gonna fix it? What you're gonna ask for? 866 00:42:29,960 --> 00:42:31,920 Speaker 1: I call it a paper towel person, Right, that's what 867 00:42:31,960 --> 00:42:33,279 Speaker 1: you want to because I remember I said, like my 868 00:42:33,400 --> 00:42:34,480 Speaker 1: dad used to be the one to be like you 869 00:42:34,600 --> 00:42:38,399 Speaker 1: built milk. You know much milk costs. Milk is not cheap. 870 00:42:38,480 --> 00:42:41,239 Speaker 1: And you're like looking like, uh, I'm fine, and my 871 00:42:41,360 --> 00:42:43,319 Speaker 1: mom just feel milk. She just grips off a paper 872 00:42:43,360 --> 00:42:47,680 Speaker 1: towel and gives it to you. And so before yeah, 873 00:42:47,760 --> 00:42:49,120 Speaker 1: that you said. You never heard it before. 874 00:42:49,200 --> 00:42:51,040 Speaker 2: No, you never told me that. That's what he You 875 00:42:51,040 --> 00:42:52,919 Speaker 2: actually tell me lots of stories over and over again. 876 00:42:52,960 --> 00:42:55,520 Speaker 2: This is a new one. Never tell me the story 877 00:42:55,520 --> 00:42:57,800 Speaker 2: from starting to finish. 878 00:42:58,040 --> 00:43:00,200 Speaker 1: It's so like, So that's what I remember because my 879 00:43:00,239 --> 00:43:02,920 Speaker 1: dad and I have very similar personality. So I always 880 00:43:03,000 --> 00:43:05,480 Speaker 1: used to tell myself when I was a kid, I 881 00:43:05,480 --> 00:43:08,360 Speaker 1: don't want to be a paper towel person. Like someone 882 00:43:08,400 --> 00:43:12,440 Speaker 1: when something happens that I'm not basically talking about, like 883 00:43:12,640 --> 00:43:15,000 Speaker 1: how it's broken or the milk is spilled, whatever, I 884 00:43:14,840 --> 00:43:17,360 Speaker 1: immediately go toward the solution. And that's how my mom is. 885 00:43:17,600 --> 00:43:20,600 Speaker 1: She never I can't really remember her fussing when things 886 00:43:20,640 --> 00:43:23,120 Speaker 1: went wrong. It was always well, I'm going to call 887 00:43:23,120 --> 00:43:24,880 Speaker 1: your teacher tomorrow and see what we can do, or 888 00:43:24,960 --> 00:43:28,880 Speaker 1: here's a paper towel or or you know what I mean. Yeah, 889 00:43:28,880 --> 00:43:31,560 Speaker 1: And so I just remember, because here's the thing about 890 00:43:31,600 --> 00:43:33,640 Speaker 1: the fussing. My dad will go through all of this 891 00:43:33,719 --> 00:43:36,120 Speaker 1: rigamarole about the milk and how expensive milk is and 892 00:43:36,200 --> 00:43:39,000 Speaker 1: how kids don't respect anything, and then at the end 893 00:43:39,239 --> 00:43:41,000 Speaker 1: he will tell you to get a paper towel anyway, 894 00:43:41,320 --> 00:43:43,120 Speaker 1: So I just remember thinking, why don't we just start 895 00:43:43,120 --> 00:43:46,080 Speaker 1: with that, you know, And so like so I always 896 00:43:46,080 --> 00:43:47,640 Speaker 1: said I'm going to be a paper towel person. So 897 00:43:47,800 --> 00:43:50,840 Speaker 1: I like, yeah, I really try my best to be 898 00:43:50,880 --> 00:43:52,759 Speaker 1: a paper towel person. So let's all try to be 899 00:43:52,800 --> 00:43:53,840 Speaker 1: paper towel people. 900 00:43:53,960 --> 00:43:57,160 Speaker 2: Okay, people, fix your own damn problems if you want 901 00:43:57,200 --> 00:43:59,359 Speaker 2: to succeed in the world. Oooh, anyway that I need 902 00:43:59,360 --> 00:44:01,879 Speaker 2: to get off my chest and I had some tough 903 00:44:01,920 --> 00:44:06,120 Speaker 2: conversations to have, I realized later on this week, But uh, 904 00:44:06,160 --> 00:44:07,760 Speaker 2: all right, what's you gonna do? Boost to break? 905 00:44:08,600 --> 00:44:13,040 Speaker 1: I'm gonna booze. I wanted to boost because so a 906 00:44:13,080 --> 00:44:14,920 Speaker 1: friend of mine, her name is Chris Bright, but her 907 00:44:15,000 --> 00:44:20,160 Speaker 1: name is Chris miss on on Ig, and another young 908 00:44:20,160 --> 00:44:22,399 Speaker 1: woman named Germany but they call her snap a lore 909 00:44:23,000 --> 00:44:24,800 Speaker 1: Like is that he say her name a lord? Anyway, 910 00:44:25,280 --> 00:44:29,480 Speaker 1: they launched something called Black Girl Beach Day, and I 911 00:44:29,640 --> 00:44:32,040 Speaker 1: believe this is either the third or the fourth year. 912 00:44:32,040 --> 00:44:33,560 Speaker 1: I think it's the third year. I went last year. 913 00:44:33,960 --> 00:44:37,560 Speaker 1: When I tell you, amazing, Mandy, over a thousand women 914 00:44:38,600 --> 00:44:40,040 Speaker 1: signed up for it. It was like the tickets for like 915 00:44:40,040 --> 00:44:42,279 Speaker 1: twenty bucks or whatever. I couldn't go this year because 916 00:44:42,280 --> 00:44:46,120 Speaker 1: it was on my mom's birthday and Drina's wedding shower day. 917 00:44:46,400 --> 00:44:48,360 Speaker 1: But it looked amazing. Last year was amazing. But it 918 00:44:48,360 --> 00:44:52,640 Speaker 1: looked amazing. I mean, there's double Dutch, yoga, arts and 919 00:44:52,760 --> 00:44:56,680 Speaker 1: craft the beach. It's just it's just she just wanted 920 00:44:56,719 --> 00:44:59,720 Speaker 1: to create a safe environment for black girls and women 921 00:44:59,760 --> 00:45:02,000 Speaker 1: to come together to just go to the beach and 922 00:45:02,080 --> 00:45:04,439 Speaker 1: enjoy themselves. And I just I'm just so proud of her. 923 00:45:04,760 --> 00:45:09,040 Speaker 1: It looks incredible. If you're on Instagram, Black Girl Beach 924 00:45:09,120 --> 00:45:11,680 Speaker 1: Day literally just exactly how it's spelt. You can follow 925 00:45:11,719 --> 00:45:13,840 Speaker 1: them on there. You get see like the video and 926 00:45:13,880 --> 00:45:16,640 Speaker 1: the pictures. It just what I tell you, a good time. 927 00:45:16,719 --> 00:45:18,799 Speaker 1: And you know what I really love about it is that, 928 00:45:18,880 --> 00:45:21,600 Speaker 1: like you know, as black women and brown women, sometimes 929 00:45:21,640 --> 00:45:24,800 Speaker 1: we're self conscious about our bodies. And I just remember 930 00:45:25,800 --> 00:45:28,759 Speaker 1: I grew up in Westfield largely, and I remember like 931 00:45:29,120 --> 00:45:31,360 Speaker 1: I would go to the pool and like all my 932 00:45:31,400 --> 00:45:32,920 Speaker 1: white friends, when I would go to the pool with them, 933 00:45:33,080 --> 00:45:37,320 Speaker 1: they would wear their baby suits. And then I would 934 00:45:37,560 --> 00:45:39,319 Speaker 1: go to the pool my black friends, and they would 935 00:45:39,360 --> 00:45:41,600 Speaker 1: always wear a T shirt over their baby suits. And 936 00:45:41,680 --> 00:45:43,759 Speaker 1: I just remember being thinking that was so strange, like 937 00:45:45,200 --> 00:45:47,359 Speaker 1: why do all my little black girlfriends, why did they 938 00:45:47,360 --> 00:45:51,719 Speaker 1: cover their bodies? You know? And I just you know, 939 00:45:51,840 --> 00:45:53,560 Speaker 1: and I just didn't like that. And I just remember 940 00:45:53,560 --> 00:45:57,320 Speaker 1: thinking why, I mean, you know, like black bodies or 941 00:45:57,480 --> 00:46:00,560 Speaker 1: it's just why is there this this thing that up? 942 00:46:00,640 --> 00:46:02,440 Speaker 1: And when I love about Black Girl Beach, they're no 943 00:46:02,480 --> 00:46:05,680 Speaker 1: T shirts, like your body is beautiful however you show up, 944 00:46:05,960 --> 00:46:10,839 Speaker 1: and it's just such a celebration of femininity, womanhood, masculinity. 945 00:46:10,880 --> 00:46:13,560 Speaker 1: However you come, however you show up, you are appreciated, 946 00:46:13,600 --> 00:46:16,239 Speaker 1: loved on. It's just such an amazing day. I mean 947 00:46:16,280 --> 00:46:19,120 Speaker 1: they do everything, all black things. You can think of, electric. 948 00:46:18,760 --> 00:46:21,839 Speaker 2: Slide, all black things. 949 00:46:23,560 --> 00:46:26,359 Speaker 1: Like I said this double they were stepping. I mean 950 00:46:26,440 --> 00:46:28,360 Speaker 1: it was just and like, yeah, if you got a 951 00:46:28,400 --> 00:46:30,440 Speaker 1: black girl beach say, you see every type of body 952 00:46:30,560 --> 00:46:32,920 Speaker 1: shape size. It's just when I tell you, it's just 953 00:46:32,920 --> 00:46:35,400 Speaker 1: a wondrous day. And if you get a chance at 954 00:46:35,480 --> 00:46:37,600 Speaker 1: ten next year, hopefully it will fit in my schedule 955 00:46:37,600 --> 00:46:39,200 Speaker 1: next year. If you get a chance at ten next year, 956 00:46:39,280 --> 00:46:42,240 Speaker 1: I highly recommend it. It's just a love fest for 957 00:46:42,400 --> 00:46:44,839 Speaker 1: black and brown women in particular. They don't turn anyone away, 958 00:46:44,880 --> 00:46:47,239 Speaker 1: but it's certainly a love fest for black and brown women. 959 00:46:47,320 --> 00:46:52,040 Speaker 1: And yeah, Black Girl Beach Day, look for them on ig. 960 00:46:52,560 --> 00:46:55,200 Speaker 2: Just follow them, love it right. 961 00:46:55,280 --> 00:46:57,880 Speaker 1: Just stout out to Christmas and Germany because I can't imagine. 962 00:46:57,880 --> 00:47:00,279 Speaker 1: I mean they even they even charted buses to bring 963 00:47:00,320 --> 00:47:02,520 Speaker 1: people down for those people didn't didn't have checks. 964 00:47:02,680 --> 00:47:07,279 Speaker 2: It in Jersey, in Jersey, okay, Jersey. Sure, I'm going 965 00:47:07,320 --> 00:47:11,759 Speaker 2: to start a beach day for wives whose husbands don't 966 00:47:11,800 --> 00:47:14,919 Speaker 2: like the beach because I have. You know, they say 967 00:47:14,920 --> 00:47:17,160 Speaker 2: accept the spouse that you buried. I knew that my 968 00:47:17,239 --> 00:47:19,000 Speaker 2: husband did not like the beach when I married him. 969 00:47:19,000 --> 00:47:21,719 Speaker 2: He's a Dominican who does not like the beach. I know, like, 970 00:47:21,800 --> 00:47:24,680 Speaker 2: apparently there's more of them than just him, and I 971 00:47:24,719 --> 00:47:26,960 Speaker 2: just need to accept it, because you just need. I 972 00:47:27,040 --> 00:47:28,879 Speaker 2: just need to find people who find enjoying the beach 973 00:47:28,920 --> 00:47:30,680 Speaker 2: like me and just go to the beach with them. 974 00:47:31,080 --> 00:47:32,799 Speaker 2: You know what I mean, anyone else out there with 975 00:47:32,840 --> 00:47:35,040 Speaker 2: husbands who don't like the beach free of water. 976 00:47:35,600 --> 00:47:37,360 Speaker 1: I'm trying to say, like it's a superman. I mean, 977 00:47:37,440 --> 00:47:39,520 Speaker 1: he doesn't just like the beach, but the beach is 978 00:47:39,560 --> 00:47:41,640 Speaker 1: not like his paved But we'll go loose once. 979 00:47:42,440 --> 00:47:44,359 Speaker 2: I need some people who enjoy the beach like me, man, 980 00:47:44,400 --> 00:47:46,360 Speaker 2: because I just can't keep I'm just like freely. We 981 00:47:46,400 --> 00:47:49,480 Speaker 2: haven't been to the beach all summer. He's like I 982 00:47:49,520 --> 00:47:55,759 Speaker 2: told you who I was. Yeah, that's amazing though, I 983 00:47:55,840 --> 00:47:58,239 Speaker 2: love it. Oh that's so cute. I want to Maybe 984 00:47:58,239 --> 00:47:59,000 Speaker 2: I'll go next year. 985 00:47:59,800 --> 00:48:04,320 Speaker 1: Yeah, like I said, black gir they awesometimes awesometimes, So guys, 986 00:48:04,760 --> 00:48:08,560 Speaker 1: now it's time to say goodbye to everyone. We will 987 00:48:08,560 --> 00:48:10,879 Speaker 1: see you next week. Tell a friend, Tell a friend, 988 00:48:10,920 --> 00:48:13,239 Speaker 1: Tell a friend. Summertime is just about over, so you 989 00:48:13,280 --> 00:48:16,120 Speaker 1: guys should be back on your regularly scheduled listening program. 990 00:48:16,400 --> 00:48:18,640 Speaker 1: If you have not invited someone to listen to Brown Ambition, 991 00:48:19,160 --> 00:48:22,480 Speaker 1: what are you doing, You're being selfish. Yeah, invite a 992 00:48:22,480 --> 00:48:25,920 Speaker 1: friend listen in so you guys can giggle together. Message us. 993 00:48:25,960 --> 00:48:28,920 Speaker 1: I am the budget Nest on all things social. Mandy 994 00:48:28,920 --> 00:48:30,720 Speaker 1: you're basically Mandy Money on all things social. 995 00:48:30,800 --> 00:48:33,279 Speaker 2: Right Mandy Money on Instagram or you can find me 996 00:48:33,360 --> 00:48:36,960 Speaker 2: Mandy Woodruff on other social media platforms. And we are 997 00:48:37,120 --> 00:48:40,960 Speaker 2: Brown Ambition Podcasts on the gram. We're on Facebook. Just 998 00:48:41,040 --> 00:48:43,040 Speaker 2: google Brown Ambition. You can't miss us. 999 00:48:44,120 --> 00:48:45,280 Speaker 1: And we love y'all. 1000 00:48:46,520 --> 00:48:48,640 Speaker 2: We really do love you. Guys. Leave a review if 1001 00:48:48,640 --> 00:48:51,120 Speaker 2: you haven't yet. If you're a new listener this summer, 1002 00:48:51,239 --> 00:48:54,000 Speaker 2: please leave us a review. They really help people on 1003 00:48:54,040 --> 00:48:56,759 Speaker 2: iTunes find us. They help us get all the great 1004 00:48:56,760 --> 00:48:59,440 Speaker 2: features that we get on the iTunes homepage. They're so 1005 00:48:59,560 --> 00:49:01,600 Speaker 2: nice to us because they know our listeners love us. 1006 00:49:01,640 --> 00:49:03,760 Speaker 2: So leave us a review. I think we're at seven hundred. 1007 00:49:03,760 --> 00:49:05,120 Speaker 2: We're going to get to a thousand by the end 1008 00:49:05,120 --> 00:49:09,200 Speaker 2: of the year. Oh you do you get to a thousand? 1009 00:49:09,239 --> 00:49:12,080 Speaker 2: I want to see that one point okay, but you 1010 00:49:12,120 --> 00:49:13,520 Speaker 2: know how if it's more than a thousand, it's like 1011 00:49:13,560 --> 00:49:17,440 Speaker 2: one point okay, I want that please, but believe me, 1012 00:49:17,800 --> 00:49:20,640 Speaker 2: like fresh reviews just help our show rise to the top. 1013 00:49:21,160 --> 00:49:23,160 Speaker 2: And you know, the reason we've been on the air 1014 00:49:23,200 --> 00:49:25,279 Speaker 2: for so long is because of listeners. Thank you guys 1015 00:49:25,320 --> 00:49:27,480 Speaker 2: supporting us. So thank you, thank you, thank you.